Do you fly on commercial airplanes for work or for pleasure in the U.S.? Do you regularly visit military bases or secure federal facilities? If so, this is the year you will need to have either a REAL ID-compliant license or a valid US passport to take commercial flights within the US or gain access to secure federal facilities. The law goes into effect on October 1, 2020 so there is still plenty of time to assess whether this is something you need or not and, if so, time to get the required documents.
Here’s the scoop. After 9/11, federal legislators and security officials established consistent, minimum security standards that would be enforced in all states and territories. Beginning on October 1 of this year, federal agencies, including DHS and TSA, will only accept compliant documentation at TSA airport security checkpoints and some federal facilities, such as military bases and nuclear power plants. The most common forms of documents are REAL ID-compliant licenses or US passports or passport cards. A handful of states (Michigan, Vermont, Minnesota, New York and Washington) issue enhanced driver’s licenses, which are also acceptable.
You do NOT need a REAL ID if:
you have a valid U.S. passport or passport card
you don’t use commercial airplanes to travel domestically
you don’t visit military bases
you don’t visit secure federal facilities
you are under 18 years of age
You can use a passport if you have one, but you have to remember to bring it with you in instances where it wasn’t required previously.
What is a Real ID and how do you get one?
It’s possible that if you renewed your license in recent years, you have a Real ID-compliant license because states have been phasing them in. Homeland Security says that “REAL ID-compliant cards will have of one of the following markings on the upper top portion of the card. If the card does not have one of these markings, it is not REAL ID-compliant and won’t be accepted as proof of identity in order to board commercial aircraft.”
And here is a sample of a Massachusetts REAL ID-compliant license vs a noncompliant one. The designation in the upper right-hand corner varies by state.
Homeland Security has many resources to learn more, including
It’s a new year – time to get in the habit of changing the year that you use when you write a quick check or date documents. But there’s another habit you should alter this year, according to police and other crime experts: write out the full year of 2020 in your handwritten dated documents, not just the abbreviated ’20. Failing to write the full year of 2020 might open you to costly fraud.
While it’s common to date documents in this format – 1/7/20 – the unique nature of this year’s date makes it too easy for a fraudster to change the year by simply adding more digits on the end. So your check or contract dated 1/7/20 could easily be altered to backdate it to 1/7/2019 or date it into the future as 1/7/2021.
She talks about why someone might do this, using an example of vintage violins with label changes that made the instruments older and consequently more valuable than they were. While labeling fraud on vintage musical instruments may not be something you have to worry about, she offers examples of why it might be worth your attention:
“Those who warn against abbreviating 2020 theorize that a scammer could backdate a document, such as a promissory note, to 2019. After that, the scammer could try to collect an extra year’s interest on the loan.
Commentators express similar concerns about postdating–that someone could change the date to try to cash a stale check. Or, they could try to force performance of an expired contract by make it appear that the contract was signed later than it was.”
Some say this fear might be overblown, that in prior years scammers might have altered dates on any two-digit year — but that just reinforces the importance of using a 4-digit year on written legal and financial documents – why take the risk? Whitman notes that while a consumer may be able to ultimately prove the fraud, that might entail an expenditure of time and money. Whitman says that although the risk of using an abbreviated date might be minimal, “it also doesn’t hurt to use the full year in a document signed in 2020–or in any other year.”
Her article also offers an handy list of document signature best practices, such as using a digital signature when possible, signing in blue ink, maintaining time-stamped paper copies and using dated cover letters – read more about these suggestions in her post.
Forged, altered or fake paperwork is a real thing – see our prior post on title washing scams that occur in used car purchases – a crime that costs $30 billion a year! Thieves and scammers are very creative in separating you from your money – a small step like using a 4-digit year in financial and legal documents that would make their job harder seems worth it.
Reprinted from Renaissance Alliance – no usage without permission.
Do you ever wonder how Santa Claus manages to deliver all those gifts to all those kids in just one night? This short video breaks down the annual global trip by the big guy in the red suit the way that an actuary might see things – using math, numbers and science.
We’re all for math and science, but there’s also the magic factor to help explain this amazing feat. We think the folks at NORAD see things our way. They’ve been tracking Santa’s Christmas eve flight and reporting on his whereabouts since 1958. They deploy the latest technologies to track Santa, including radar, satellites, SantaCams and jet fighters. They are aided by Rudolf’s bright red nose, detectable by their infrared sensors. You can track him online at the NORAD Santa tracker or you can download a mobile app to track his journey on your phone.
Here’s the countdown calendar – it’s getting close …
And once his journey starts, you can follow it below.
Homeowners & Santa Claus
Meanwhile, as a host, we hope that you are properly covered to entertain a V.I.P. like Santa in your home. What if your dog bites Santa or he gets stuck in your chimney – are you covered against these or any other mishaps while he’s on your property? If you have homeowners insurance or rental insurance, the personal liability and medical payments portions should cover you, but you may want to check your coverage limits and deductibles.
If you plan to leave any sweets out for the big guy, Mrs Claus issues this plaintive plea: Please skip the cookies – Santa has a weight problem. Consider leaving a healthier snack. If you decide to leave cookies out anyway, you may want to get Santa to sign Christmas Cookie Liability and Indemnification Agreement. And something that should go without saying – don’t leave any wine or brandy out – you don’t want to be liable if a tipsy Santa leaves your house and has a DUI accident!
Whatever holiday you celebrate – Christmas, Hanukkah, Kwanzaa, Festivus or something else, we wish you the joys of the season. We’ll see you in 2020!
In the first New England snowstorm of the year a few weeks back, doctors raised the alarm about a spate of snowblower-related injuries they were seeing in local hospitals. It happens every year … the US Consumer Products Safety Commission says that more than 5,000 people visit emergency rooms each year with snow blower injuries. Most injuries involve the hands, ranging from cuts and lacerations to amputations. Experts say that with precautions, most snowblower injuries are preventable. And surprisingly, victims are not just first-time users – experience with the equipment doesn’t appear to be factor, injuries occur to highly experienced users, too. Dr. Shapiro of the Cleveland Clinic says:
Most times, injuries happen when people let their guard down. So even if a person has been using a snow blower for years, Dr. Shapiro says it’s important to follow the rules every single time to avoid a devastating injury.
“It’s very important to follow the rules — they’re there for a reason and they do make a difference,” he says. “It’s not typically the novice snow blower user who gets injured. It’s the person who’s been using it for five or 10 years, has considerable experience with it and may think that he or she can get away with something that they didn’t think they could get away with when they first got the machine.”
Great work by #Lawrence firefighters & first responders in helping the injured man and even shoveling his driveway!
“When the snow is thick and has a heavy water content, it can jam the snow blower,” Partridge said. “Many people don’t realize that even after you turn the snow blower off, there’s some torque that remains in the impeller. If it’s off and you reach in and unblock it, it still has one last rotation to go.”
“Manufacturers will tell you never to put your hand in a snow blower, even when it’s off,” Partridge said. “If there’s a blockage, people should shut the machine off and use a wooden stick to clear it. Some snow blowers even come with a stick for that purpose.”
He also offers the following advice:
“People shouldn’t wear scarves or other loose clothing when operating a snow blower,” he said. “Make sure young children are well out of the way. Make sure the walks and driveway are clear of newspapers and stones or anything else that can get caught in the snow blower. And never let a child operate a snow blower.”
The article also discusses other common snow blower-relate injuries, including shoveling injuries and hypothermia.
Never wear loose pants, jackets, or scarves, which can get tangled in a snow blower’s moving parts and pull you in with them.
Wear earplugs or other hearing protection, especially with a gas-powered model, which typically runs above the 85 decibels at which hearing damage can occur.
Before the snow gets too deep, remove doormats, sleds, boards, wires, newspapers, and anything else from the area you’ll clear to avoid clogs and damage to the machine.
Don’t let children operate a snow blower. And keep people and pets far away from the vicinity of where you’re clearing.
Protect yourself from carbon-monoxide poisoning by starting and running a gas-powered snow blower outside, never in a garage, shed, or other enclosed area—-even if the door is open.
For an electric model, use an outdoor extension cord rated for your model, connected to an outlet with ground-fault-circuit-interrupting (GFCI) protection. Then be sure to keep the cord safely away from the spinning auger while working.
Turn off the engine of a gas snow blower or unplug the cord of an electric model before clearing a clog at the auger or discharge chute. And use a clearing tool or a broom handle to clear the clog—never your hands or feet, even if you’re wearing gloves: A stationary auger and impeller are often under enough belt tension to harm hands and feet, even with the engine or electric motor off.
Wait until a gas model’s engine is cool before refueling to avoid igniting the gasoline.
Will you be making a seasonal move south to weather out the harsh winter months in a more favorable climate? Whether you’ll be gone for a few days or a few months, if you are traveling over the winter, there are some home maintenance tasks you should tend to so that you don’t come home to unpleasant surprises.
No one knows better than an insurance company what the common winter home hazards and problems can be – after all, they deal with the claims damage every year. This excellent infographic is courtesy of Travelers, one of our Renaissance Alliance insurance partners. It offers a good checklist to help you secure your home for an extended winter absence. While some of the tasks are suitable to prep for a long-term absence, others are handy for shorter travel periods, too, such as a week over the holidays or a midwinter vacation.