Be Your Own Risk Manager

The global economic slowdown and high interest rates and skyrocketing food prices, has led to consumers having less disposable income. A monthly meeting to spend more and more difficult for a lot and need a more cautious approach to the management of household expenses.

The beginning of the year brings with it the dreaded "annual premium increases. We all know they are coming, but are not made less (or more developed) when they finally make their arrival. While few things can be done to avoid, prevent any increase in premiums during the year is something that can, to a large extent, be managed.

Being your own risk manager, at least in terms of personal and household security can go a long way towards the management of claims related premium hikes. Awareness of personal safety and what to do around the house in case of accident, the insured can avoid having to file claims and costly and the additional premium increases.

In general around the house and security encompasses many seemingly small issues. Managing all together, however, undoubtedly make a significant difference to the ability to prevent any incident:

Keyboard
* Limiting the number of spare keys that you have around the house
* Know exactly who has copies
* Replacement of locks if keys were lost or stolen
* Keep the keys inside and in an area not visible from the doors or windows

Garage and entrance doors
* You can park your car in the garage if you have one, thereby reducing the risk of theft or vandalism
* Install a remotely activated locking your garage door and / or Gateway
Get in and out of your car in the garage
* Ensure that the garage door / the door is open for a period as short as possible, or install a sensor to automatically close

Hijack prevention when parking your vehicle
* Check your mirror to make sure you are not followed
* Be alert for suspicious vehicles or people at the approach of your driveway
* Turn off your radio when you're about 2 miles from home so that you are more focused on your environment
* When you get home at night, that the outside light was left on or someone to meet you
* Be aware of blind spots or areas that an intruder hiding in May (walls, large plant boxes, etc.)

What if you are a victim of a robbery entry
* Do not attempt to confront the attacker, your property or disposing of your car / house keys
* Stay calm and obey the commandments of the attacker
* Do not make eye contact with the abuser
* Lie face down on the ground, if possible, that result in May, you will not be forced back into the car

Outside your home
* Avoid having large shrubs / hedges in your garden because they provide a hiding place for burglars
* Know your neighbors and develop an "action plan" you in terms of management of any suspicious situation

Around the house
* Always make sure your home is well protected against fire - install smoke detectors and fire extinguishers / ensure that your complex fire management connections are operational
* Install an alarm system burglary, along with an emergency, if possible

What if your house floods
* Call for professional help of water-induced damage, such as humidity or bacterial growth can begin within hours
* Use fans to circulate air and assist drying, absorb as much water as possible and remove the furniture, carpets, etc. out of the water
* Do not use electrical appliances while the carpet / floor is wet
* Do not use electrical appliances that have been near the water without having checked the
* Do not enter the rooms with water if the electricity is still on
* Do not lift fitted carpet without professional help, because it could promote the withdrawal

What if there was a fire in your home
* Call for professional help
* Coverage of carpets to prevent further fouling areas
Get professional help for cleaning walls or furniture treated
* Do not use electrical appliances that have been close to the fire without having checked the

Tips for daily life
* Take note of the roads you use every day - are safe and well lit, is it dangerous intersections that you must keep in mind, are the ways taxi anyway on you, etc.
* Vary your routes from time to time, where possible
* Vary your departure and arrival, if possible

* Be aware of your surroundings when leaving your site / get in and out of your car
* Get into the habit of locking doors as soon as you receive in your home and car

Leaving your home unattended for long periods
* Ask neighbors, family or friends to keep an eye on your home and give them your details
* Keep your valuable equipment out of sight
* Use time switches for lights, radios and televisions (or have someone you trust and to change on / off every day)
* Make sure your mailbox is emptied / post up at your home every day

Safe travel
* Never leave your luggage unattended (keep clear at all times)
* Do not take anything with you that your destination May offend the local population (the controversial books, alcohol, etc.)
* Use of transfer, rather than the taxi service, if possible,
* If you're lost in a foreign city, to feign confidence and the feeling that you know where you go
* Do not look nervous in asking for guidance of what attracts attention, remain calm
* Do not wear a hip bag or a camera around his neck (place valuables in a bag carried to the front of your body with zippers closed)
* Do not keep all your cash / travelers checks in one place (keep zipped pocked few, some in a bag, etc.)

Manage risk, whether personal or business, is ultimately each individual is responsible. It makes sense to take more care of what we have during difficult economic periods, the safety of ourselves, loved ones and homes is paramount.(Article Source)