McDougall https://www.mcdougallinsurance.com Insurance & Financial Tue, 25 Apr 2017 22:36:19 +0000 en-US hourly 1 https://wordpress.org/?v=4.7.4 6 Safety Tips for Driving in the Fog https://www.mcdougallinsurance.com/2017/04/25/6-safety-tips-driving-fog/ https://www.mcdougallinsurance.com/2017/04/25/6-safety-tips-driving-fog/#respond Tue, 25 Apr 2017 22:28:45 +0000 https://www.mcdougallinsurance.com/?p=13418 Spring fog is nothing less than dangerous driving conditions for commuters. These cool evenings that turn into warm mornings bring fog advisory warnings from Environment Canada – warnings that are no small matter. No, it isn’t heavy snow, or heavy rains either, but heavy fog reduces visibility to near zero which makes driving difficult even […]

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Spring fog is nothing less than dangerous driving conditions for commuters. These cool evenings that turn into warm mornings bring fog advisory warnings from Environment Canada – warnings that are no small matter. No, it isn’t heavy snow, or heavy rains either, but heavy fog reduces visibility to near zero which makes driving difficult even for the most experienced of drivers.

Inclement weather can cause an increase risk in car accidents and many believe that an accident as a result of poor weather means no one is at fault. This is not necessarily the case. You are expected to drive according to the current weather conditions – so what does this mean for fog?

Of course, the best advice is to avoid driving during a fog advisory; however, this is not always possible. Fog can be very unpredictable and you may have already started your commute when you are hit with a wall of fog. Here are some safety tips for you should you ever find yourself driving in the fog.

6 Tips for driving in the fog

  1. Slow down. Keep an eye on your speedometer. Pretty simple, a slower speed gives you more time to react to the traffic and road conditions. Stay back. Increasing your following distance will give you even more time to brake suddenly should you need to.
  2. Use your defroster and wipers to keep your windshield clear.
  3. Use your low beams. High beams reflect off of the moisture in the fog making it even more difficult to see. Use fog lights if you have them, in addition to your low beams.
  4. Use the right edge of the road as a guide rather than the centre line.
  5. Be very alert. Turn the radio down (or off) and look and listen for any possible hazards.
  6. Be patient. Now is not the time for passing cars or giving in to any distractions!

If you are still having a lot of difficulty seeing with the low beams on, it is likely that the fog is just too dense to drive through, you should consider pulling over. Never stop on the road! Ensure that you can pull over slow and safe, pull the car into a safe parking area, turn off your lights and turn on your emergency flashers (you should familiarize yourself with where these flashers are well in advance of ever needing them).

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The Legalization of Marijuana & What It Means for Insurance https://www.mcdougallinsurance.com/2017/04/19/legalization-marijuana-for-insurance/ https://www.mcdougallinsurance.com/2017/04/19/legalization-marijuana-for-insurance/#respond Wed, 19 Apr 2017 21:04:48 +0000 https://www.mcdougallinsurance.com/?p=13288 As the Liberal Party leader Justin Trudeau announces that Marijuana will be legalized by 2018, there are still a lot of unknown factors that are going to need more clarification from the party leader himself. These factors will also heavily affect the insurance business with topics such as medical pot under employee benefits and the […]

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As the Liberal Party leader Justin Trudeau announces that Marijuana will be legalized by 2018, there are still a lot of unknown factors that are going to need more clarification from the party leader himself. These factors will also heavily affect the insurance business with topics such as medical pot under employee benefits and the heightened risks of driving while under the influence of marijuana.

Medical Pot for Employee Benefits

Shortly after Trudeau announced that the drug should be legalized by, a few Canadian business moguls have since spoken out. According to the Toronto Star, Loblaw Companies Limited and Shoppers Drug Mart announced that they hope to become the largest pharmacy chain in Canada to sell medical marijuana.

In light of this announcement they also said in an internal memo that effective immediately they will be covering up to $1,500 per year of medical pot under their employee benefits plan. This announcement is huge because both Shoppers Drug Mart and Loblaws are huge brands in our country and medical pot benefits for employees, is a topic that has been raised frequently over the past few years.

If Shoppers Drug Mart were to be approved they would be the largest private sector company to offer medical pot coverage to employees. Shoppers Drug Mart applied last October to have the license to produce medical marijuana in terms of retailing the drug. This won’t be approved until the Liberals figure out specific laws for this business among with other issues.

Impairment Regulations

Another way that the legalization of marijuana affects insurance is impaired driving. A huge concern from individuals who are either unsure of the legalization of pot or against it, is the rise in impaired drivers. Many are concerned that there will be a huge increase in high drivers come 2018, how will the government and law enforcement handle this concern? Currently in Ontario, the result of failing a roadside sobriety test is a suspended license. But it is more difficult to detect a driver who is high than it is to detect someone who is under the influence of alcohol…

Once the drug is legal there will most certainly be a spike in use so now law enforcement needs to find a reliable way to determine how impaired a driver actually is. Some companies are trying to develop road side tests to measure the level of THC (the active ingredient in marijuana) somewhat like a breathalyzer, except there is no consensus to say how much THC would classify an individual as impaired. Part of the problem is there doesn’t seem to be a magic number like we see with alcohol, certain marijuana effects certain people differently. The driving under the influence law has been well established for alcohol but since Canada is one of the few countries in the world to decriminalize marijuana for recreational purposes, the level for impairment is unsure.

For now, Canadian law enforcement will have to mimic how they asses impaired drivers in Colorado, where marijuana has been legal since 2014. According to an article written by CBC, instead of relying on tests, the officers are trained to spot signs of high driving and use their best judgement. These signs include:

  • Distracted driving
  • Light body tremors
  • Different sized pupils
  • Impaired motor skills
  • The smell of marijuana

This law will most definitely change not only the insurance industry but our country. As the legalization date approaches, the Liberal party will have to answer not only these but many other unknown factors. As an insurance broker we want to make sure we are prepared to handle the questions and concerns that will arise from the new legislation but we want to make sure our clients are safe and protected.

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Ray Dassylva Does The Dip https://www.mcdougallinsurance.com/2017/04/17/ray-dassylva-dip/ https://www.mcdougallinsurance.com/2017/04/17/ray-dassylva-dip/#respond Mon, 17 Apr 2017 21:04:27 +0000 https://www.mcdougallinsurance.com/?p=13379 Where to begin. Ray Dassylva has done a lot during his time on this Earth. Asides from being an insurance broker Ray contributes and volunteers to community initiatives and groups. I mean just check out the list: He has been the president of the Chamber of Commerce in Belleville. He has been a chair member […]

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Where to begin. Ray Dassylva has done a lot during his time on this Earth. Asides from being an insurance broker Ray contributes and volunteers to community initiatives and groups. I mean just check out the list:

  • He has been the president of the Chamber of Commerce in Belleville.
  • He has been a chair member of the Children’s Foundation.
  • A committee member of the United Way board.
  • Vice President of the Counselling Service of Belleville.
  • And now he has done the dip!

Ray volunteered to strip down into some questionable swimwear (as you can see from the picture) and brave the cold waters of the Bay of Quinte in order to raise money and awareness for the YMCA Strong Kids Campaign. There were several other participants involved, contributing to the great cause which sees that children of all ages can receive the necessary funding to go to summer camps, after school programs and participate in sporting events. The event raised over $6,000 for the YMCA Strong Kids Campaign thanks to the collaborative efforts of all the participants and those who donated. Ray was honoured for raising the most money for any individual volunteer at over $1,000.

Ray Dassylva receiving YMCA Strong Kids award for top fundraiser

Ray has a passion for the community he is a part of and always tries to do his part to contribute. The YMCA Strong Kids is an initiative Ray felt passionate about being apart of because of the tremendous work the program accomplishes with kids. He believes in giving kids the life experiences they deserve and may otherwise not be exposed to without this support. Ray had a goal to raise $1,000 and he reached it. The McDougall Family is proud of you Ray for your many accomplishments and the continued contributions you make to the community!

If you would like to find out more about the YMCA strong kids campaign check it out here.

And to see more pictures of the event visit Quinte News:

Freezin’ for a reason!

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Hitting a Homerun with McDougall https://www.mcdougallinsurance.com/2017/04/11/hitting-homerun-mcdougall/ https://www.mcdougallinsurance.com/2017/04/11/hitting-homerun-mcdougall/#respond Tue, 11 Apr 2017 14:15:48 +0000 https://www.mcdougallinsurance.com/?p=13355 Insurance isn’t always fun and we get that. But at McDougall Insurance & Financial we work hard to make our clients happy and try and have some fun along the way! In the last two seasons the Toronto Blue Jays have brought new life into the baseball world for Canadians. Coming off a huge win […]

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Insurance isn’t always fun and we get that. But at McDougall Insurance & Financial we work hard to make our clients happy and try and have some fun along the way! In the last two seasons the Toronto Blue Jays have brought new life into the baseball world for Canadians. Coming off a huge win over Baltimore in the wild card game was amazing and is definitely an experience of a lifetime. We want our clients to have the opportunity to partake in the Blue Jays success. That is why we have held several Blue Jays contests. Our most recent contest towards the end of last season was a simple referral contest where our existing clients could refer a friend for their chance to be entered into the draw to win a pair of Blue Jays tickets.

Now imagine you’re an existing client of McDougall and you refer a friend of yours. Easy right? Your name is entered into a draw and what do you know you’re picked to take yourself and a friend, hopefully the one you referred, to the Blue Jays game! Well that is exactly what happened to our client Will Guthrie, who referred his girlfriend.

Will took his girlfriend to the game and was able to sit right down the first base line and take in the amazing atmosphere Toronto baseball provides.

Will’s girlfriend not only got to take in an amazing baseball game but when one of our brokers reached out to her she was open to getting a quote for her car insurance. As a current client of a direct writer she was certain we would not be able to beat them on price and would have to rely on tremendous service to win her over. Well, it turns out we conquered both. Will’s girlfriend had received her full G license a year or two ago but because her current provider is strictly there to provide insurance and maintains very little communication with their clients they were unaware of this. As an insurance brokerage it is our job to work on our clients behalf to find them the best coverage and price possible for their situation. Simply adding her G license date and even upgrading her coverage from $1 million liability to $2 million liability we were able to save her $200 for the year. Not to mention we set the effective date for her policy at the renewal of her current policy so there was no cancellation fee.

This is the type of care and value a broker places on their clients. Without our client relationships we do not serve much of a purpose. And remember that ‘fun’ thing we talked about? Well it is no secret brokers have more fun! Just ask our Picton branch who is ready to go for the home opener this afternoon as the Jays take on the Brewers!

McDougall Insurance Picton branch wearing their blue jays gear

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McDougall Family Fund Contest is Back! https://www.mcdougallinsurance.com/2017/04/03/mcdougall-family-fund-contest-back/ https://www.mcdougallinsurance.com/2017/04/03/mcdougall-family-fund-contest-back/#respond Mon, 03 Apr 2017 17:09:35 +0000 https://www.mcdougallinsurance.com/?p=13263 Listen up Frugal McDougallers! The McDougall Family Fund Contest is back for it’s fourth year. I’m sure you all know what that means right? Well, McDougall Insurance is awarding one local charity, non-profit organization or community project a prize of $5,000 towards their initiative. Here’s how the contest works: Create a two-minute long video about […]

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Listen up Frugal McDougallers! The McDougall Family Fund Contest is back for it’s fourth year. I’m sure you all know what that means right? Well, McDougall Insurance is awarding one local charity, non-profit organization or community project a prize of $5,000 towards their initiative. Here’s how the contest works:

  • Create a two-minute long video about your organization, explaining who you are, what projects you offer to the community, and what you would do with the prize money.
  • Video submissions will be accepted from May 1st – May 15th. *Remember that videos don’t need to be professional! We just want to see what you guys are all about.*
  • The top ten will be selected from our panel of judges from May 16th – May 19th.
  • The fun begins May 22nd, once we have selected our ten finalists the public voting begins! Voting is from May 22nd – May 31st.
  • The winner will be announced June 1st!

What is the McDougall Family Fund Contest?

McDougall Insurance has always been passionate about their communities and giving back to these organizations. We believe that the prize money could substantially change a project that a charity or organization is currently struggling to find the funds for, so we are here to help! The McDougall Family Fund Contest really unites the communities to vote for their charity of choice from our top 10. The contest is designed to bring awareness to these deserving charities and the contest winner will use the prize money to enhance their community project and cause.

Challenger Baseball the winner of the 2016 McDougall Family Fund awarded their cheque for $5,000

Past McDougall Family Fund Winners

Last year’s winner, Challenger Baseball, used the money towards a future project of building a wheelchair accessible rubberized Baseball Diamond for children with physical disabilities. The winners in previous years were Queen Elizabeth Public school located in Picton and the Wilno Community Centre located in Wilno. Queen Elizabeth Public school used the prize money towards a project of building a garden space for their students. The Wilno Community Centre used the prize money to build a new furnace in the community centre.

Cheque presentation for McDougall Family Fund 2015 Cheque presentation for McDougall Family Fund 2014

This contest is not something that you want to miss! Visit our Facebook Contest page to submit, vote and learn more information about the McDougall Family Fund.

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Distracted Driving, How Much Could It Actually Cost You? https://www.mcdougallinsurance.com/2017/03/29/distracted-driving-cost/ https://www.mcdougallinsurance.com/2017/03/29/distracted-driving-cost/#respond Wed, 29 Mar 2017 19:37:20 +0000 https://www.mcdougallinsurance.com/?p=13244 Whether you’re answering your cell phone, changing the playlist or sipping the coffee you made before work, it’s distracted driving. Recently, insurance companies have changed their definition of a distracted driving offence from a minor conviction to a major conviction. Which means that if you are convicted of distracted driving, you can bet that you […]

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Whether you’re answering your cell phone, changing the playlist or sipping the coffee you made before work, it’s distracted driving. Recently, insurance companies have changed their definition of a distracted driving offence from a minor conviction to a major conviction. Which means that if you are convicted of distracted driving, you can bet that you will have a major conviction on your record. Depending on the insurance companies decline rules they will now be more likely to not renew drivers who are convicted. Even if you have never had any other driving infractions in your life, one distracted driving ticket is enough to take you from a regular market to a high risk market. This change is important to know about because this charge could cost you a lot of money but also your own life or someone else’s.

What is Distracted Driving?

The common misconception behind distracted driving is that it only applies to cell phones. And although the rate of drivers using their phone while behind the wheel has increased drastically that doesn’t encompass the entire definition. Distracted driving is everything from entering an address into your GPS to touching up lipstick, whether you’re at a red light or moving, distracted driving will cost you. Reading, eating, texting, talking on the phone, reaching for an object and checking your maps are all examples of distracted driving as you are not paying attention to the road which is a huge danger to not only yourself but all other drivers on the road. Don’t be like the lady below. You’re beautiful just the way you are you don’t need to apply makeup while your driving.

 

Distracted Driving Statistics

According to the Government of Ontario and CAA:

  • deaths from collisions caused by distracted driving have doubled since 2000
  • one person is injured in a distracted-driving collision every half hour
  • a driver using a phone is four times more likely to crash than a driver focusing on the road
  • a driver texting and driving is 23 times more likely to crash than a driver focusing on the road
  • a driver reaching for a moving object is 9 times more likely to crash than a driver focusing on the road

Tips to Avoid Distracted Driving

Need a little help to stop distracted driving? Here are a few tips:

  •  Enter in GPS location and review all maps/directions before you start driving
  • Make sure all loose objects are secure to avoid moving objects in transit
  • Do not text, use apps or read e-mails while driving
  • Put phone on silent mode or turn off while driving
  • Put phone in a safe storage area while driving so it is out of sight
  • If you frequently handle calls while on the road make sure your car has a hands free blue tooth system and it is set up properly
  • Ask a passenger to take a call or respond to a text for you
  • Silence notifications that will tempt you to check your phone (Facebook, Instagram, E-Mail etc.)

Note: if there is an emergency and you need to call 911, pull over to a safe area on the side of the road.

What Happens if You Are Convicted?

Drivers with A to G licences

If you have an A, B, C, D, E, F and/or G licence, you’ll face bigger penalties when convicted of distracted driving:

  • a fine of $490, if settled out of court (includes a victim surcharge and the court fee)
  • a fine of up to $1,000 if a summons is received or if you fight the ticket in court and lose
  • three demerit points

Novice drivers

If you hold a G1, G2, M1 or M2 licence, and are convicted of distracted driving, you’ll face the same fines as drivers with A to G licences. But you won’t receive any demerit points.

Instead of demerit points you’ll face:

  • a 30-day licence suspension for a first conviction
  • a 90-day licence suspension for a second conviction
  • cancellation of your licence and removal from the Graduated Licensing System (GLS) for a third conviction
  • to get your licence back you’d have to redo the GLS program

Although not every insurance company treats distracted driving as a major conviction, we are seeing companies trending in that direction and soon this will be the standard. Even if you were a perfect driver before the fine, you will now no longer qualify for the regular insurance markets and you will be forced into a high risk insurance market. And that means paying a lot more for your insurance. When you’re driving keep your eyes and mind on the road, besides only a few more years until we have self-driving cars.

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5 Helpful Spring Home Cleaning Tips https://www.mcdougallinsurance.com/2017/03/21/5-helpful-spring-home-cleaning-tips/ https://www.mcdougallinsurance.com/2017/03/21/5-helpful-spring-home-cleaning-tips/#respond Tue, 21 Mar 2017 20:20:00 +0000 https://www.mcdougallinsurance.com/?p=13225 Old man winter may be keeping a tight hold on this March, and has been throwing some nasty snow and winds at the outside of your home, but there is good news ahead – springtime is here. We have had hints of the warmer weather here and there, so take advantage of those warmer days […]

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Old man winter may be keeping a tight hold on this March, and has been throwing some nasty snow and winds at the outside of your home, but there is good news ahead – springtime is here. We have had hints of the warmer weather here and there, so take advantage of those warmer days by getting your home cleaning done and your house ready for the beautiful weather.

However, before you begin planning your gardens and pulling out the patio furniture, you might want to get a check list ready for your home and yard. Here are a few tips to get you started:

1.     Examine your roof

Those high winds may have left a few shingles in the yard over the winter. Replace any missing shingles, and any that are cracked, buckled or loose. Also, check flashing around plumbing vents and chimneys. If you are looking at an older roof, start budgeting now for your replacement.

roof top of a house

2.     Gutters and downspouts

Not just a job for the fall – spring is an important time to check your gutters for any clogs and for loose or leaky areas. Improper drainage here can lead water down into your basement, so you want to ensure that any melting snow or rainwater is draining well away from your home. You should also look into overland water protection on your home owner’s policy. Water damage is now responsible for more property insurance claims than any other, ask your broker about upgrading your policy.

downspout coming from the house to help rain flow away from foundation

3.     Cracks in concrete

Inspect all concrete areas in your foundation, walkways and patios. All exterior slabs should drain the water away from your home, so if you see cracks fill them as soon as possible with concrete crack filler or silicone caulking.

cracked walkway

4.     Move firewood and debris

If you stored firewood near your home over the winter, now is the time to move it away. It should be at least two feet from any structure and at least 18 inches off of the ground. This is a good time to do a clean sweep of any garbage or debris around your home that may be damp.

split firewood stacked up against a wall

5.     Outdoor faucets, lighting, and air conditioning units

Turn on your outdoor faucets and check for any leaking or damage that may have occurred over the winter. Check that all of your outdoor lighting is in good working order and have your air conditioning unit inspected before you turn it on. Servicing this unit on an annual basis will ensure it is operating at peak and will help prolong the life of the unit.

a water hose faucet that is frozen

A good start to any season is to prepare your home and these tips can help you target the main areas that need maintenance now.

Canada has experienced some rather extreme weather in recent years, and this is a trend that is expected to continue. Blame global warming, Mother Nature or whatever it may be, but this weather has had an effect on home insurance rates due to an unexpected increase in claims. One of the best ways to mitigate the chance of a claim is through proper home cleaning and maintenance. And although you cannot control the weather, you do have control over your home cleaning and the home insurance coverage options available to you. Talk to a broker today!

 

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How Do Successful People Spend the Weekend? https://www.mcdougallinsurance.com/2017/03/16/how-do-successful-people-spend-the-weekend/ https://www.mcdougallinsurance.com/2017/03/16/how-do-successful-people-spend-the-weekend/#respond Thu, 16 Mar 2017 20:18:07 +0000 https://www.mcdougallinsurance.com/?p=13212 You don’t have to work seven days a week to be successful. Doing so is counter-productive. Not working on the weekend can actually improve your chances of success. But that does not mean lazing around and eating bonbons on your time off. Forbes magazine has dedicated several articles to successful people and their pursuit of […]

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You don’t have to work seven days a week to be successful. Doing so is counter-productive. Not working on the weekend can actually improve your chances of success. But that does not mean lazing around and eating bonbons on your time off. Forbes magazine has dedicated several articles to successful people and their pursuit of organized relaxation and rejuvenation during the weekend.

Successful people know that shifting gears on your days off to relaxing and rejuvenating is important to make your week ahead more productive and enjoyable. This may be easier said than done for many – we can certainly get caught up in the habit of sleeping in, puttering about the house and doing chores. Chores are work – by doing them on the weekend you just put in a seven-day work week.

The following list contains the things that successful people do to find balance on the weekend; and balance is key to help you face the week ahead – even better, you can hit the ground running giving 110% on Monday morning.

Routine

It is so tempting to sleep in on the weekend, but don’t. You likely wake just before the alarm anyway, and that is because your body is ready to get up. You have conditioned yourself, made a routine, so stick to it. Confusing your sleep cycles by staying in bed disrupts your routine, even making you feel a little more tired, and certainly throws off your Monday.

Pursue Your Passion

There is no better energy than creative, passionate energy. Known as one of the best ways to relieve stress and open your mind to new ways of thinking, problem solving and planning – pursuing a passion on the weekends will stimulate positive energy for the coming week. So go ahead, paint, play the piano, cook – whatever it is that you are passionate about. I mean we at McDougall Insurance are passionate about our field but we also like to do other activities to open our mind up.

young man outside playing an instrument

Disconnect

Disconnecting from work texts, emails and so on is one of the most important strategies to truly taking this time off work. Failure to disconnect on your days off simply means you are still working. This prevents you from relaxing, refocusing and recharging.

Spend Time with Family and Friends

Family time is one of the most essential ways to recharge and relax. Quality time with family is so important, and successful people know this. Also important is your ability to socialize, so call those friends and have them over for dinner. Family and close friends are the most significant relationships in your life – treat them so. You will be glad you did.

Reflect

Weekends are a great time to reflect, and from this reflection comes planning and improvement. Use the weekend to be more introspective about the big picture. This is the time to review your life. You want to focus on the bigger picture which may involve your family, what you are going to do to provide them with a happy life, what your time after retirement will look, and the finances you will require to accomplish those dreams. During a busy work week it can be hard to clear your mind and reflect on these things but on the weekend it is a perfect opportunity. And remember McDougall Insurance has financial services representatives who can help make this reflection period even better.

reflection of mountains on the water

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Drive Safe Tips for Daylight Savings Time https://www.mcdougallinsurance.com/2017/03/10/drive-safe-tips-for-daylight-savings-time/ https://www.mcdougallinsurance.com/2017/03/10/drive-safe-tips-for-daylight-savings-time/#respond Fri, 10 Mar 2017 20:23:25 +0000 https://www.mcdougallinsurance.com/?p=13158 Here we go again – that time of the year where we adjust our clocks in hopes of maximizing daylight hours. The fall back is easier in that we gain an hour; however, the spring forward always carries with it the moans and groans of losing that hour. On Sunday, March 12th at precisely 2am we […]

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Here we go again – that time of the year where we adjust our clocks in hopes of maximizing daylight hours. The fall back is easier in that we gain an hour; however, the spring forward always carries with it the moans and groans of losing that hour.

On Sunday, March 12th at precisely 2am we spring forward into Daylight Savings Time (DST), and we lose that hour of sleep. It may be darker in the morning, but we make up for it as we gain that hour of daylight in the evening. Some do not even notice the difference, yet others will feel out of sorts for days afterwards.

Losing an hour of sleep is pretty tough on our bodies; it affects our moods, appetites and actually can make you a little more accident prone. The hardest hit are those on shift work or those who have irregular sleep patterns. Your body’s internal clock is pretty accustomed to routine, and although your brain knows that the time has changed, your body’s circadian rhythm needs time to adjust.

Sleeping baby

There are a few things you can do in order to prepare yourself for this hour loss; they may seem small and simple but know this, they could just save your life! There have been studies that show a rise in car accidents on the first workday after DST. From a recent article in The Globe and Mail:

“The loss of one hour’s sleep associated with the spring shift to daylight savings time increased the risk of accidents,” one study, published in the New England Journal of Medicine, concluded.

Here are a few tips to help you adjust to the change:

Start early

Reset one clock in your home back by one hour and then try and schedule your daily routine to that clock.

Go to bed earlier

This weekend, try heading to bed earlier – even if it is just by 15 minutes a night. This can make a big difference.

Control light and dark

In the morning, lighten up the place, open blinds and turn lights up. This will send a message to your body to wake.  In the evening, do the opposite and most importantly, turn off the electronics, this will tell your body it is time to wind down.

Get outside and exercise

Not only is this good for you physically, getting that extra sunshine will increase your vitamin D levels – good for your body in so many ways, but important at this time of the year, it increases serotonin levels to help you keep smiling!

Don’t drive distracted

Of course this is important all year long – but even more so after Daylight Savings Time. If you feel the effects at all of losing that hour of sleep, you need all of your attention on the road during your morning commute. This means no coffee on the drive (save it for the office), eat your breakfast at home and put that cell phone away.

Check, replace, renew

Daylight Savings Time in the spring is also the time we should be checking those carbon monoxide detectors and smoke detectors to ensure they are in good working order. If you haven’t already, replace the batteries. This time of year is also a good time to check on your car insurance premiums. Are you getting the best rates available to you? Just like the time, car insurance rates change too.

Hopefully these suggestions will help you adjust more easily to this biannual time change.

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What to Pack in Your Carry On https://www.mcdougallinsurance.com/2017/02/23/what-to-pack-in-your-carry-on/ https://www.mcdougallinsurance.com/2017/02/23/what-to-pack-in-your-carry-on/#respond Thu, 23 Feb 2017 19:18:17 +0000 https://www.mcdougallinsurance.com/?p=13107 Getting ready for your trip south this winter? With some of the latest weather, many Canadians are packing it in and opting for a week or two somewhere sunny and warm. Most airlines now charge for checked bags on flights; so smart packing with that carry on is more important than ever. Start with the right bag. […]

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Getting ready for your trip south this winter? With some of the latest weather, many Canadians are packing it in and opting for a week or two somewhere sunny and warm. Most airlines now charge for checked bags on flights; so smart packing with that carry on is more important than ever. Start with the right bag. Choose one that is light-weight and meets the airlines size requirements. Then pack like a boss with these tips and make the flight to your travel destination that much easier on you and your travel mates.

Itineraries

Where are you going? Where will you be staying? It’s a good idea to have these documents including addresses and phone numbers on paper (that flat white stuff in the copier). Yes, you can store it on your phone – but as a back-up have a paper copy. Whether there is a language barrier or cell service interruption – it is nice to hand paper to a taxi driver and then you are off.

Documents

Leaving the country? You won’t get far without your passport. Some countries require a visa or tourist card. Know before you go – Government of Canada Travel Advice. Make sure these documents are in a safe part of your carry on with little chance of falling out or being vulnerable to theft.

Insurance

One of the most important and often forgotten items in your carry–on is your travel insurance. Travel insurance is as different for every individual as your travel plans are, so shop around and get the policy that fits your needs and plans, and carry a copy of your policy with you. Don’t know where to start for a travel insurance quote? Talk to one of our travel insurance experts. In some cases you may already have coverage through a group plan or your even your credit card plan.

travel insurance photo

Photo telegraph.co.uk

Valuables

Your best bet is to leave your valuables at home (special jewelry etc.), but for those items you will need – wallet, money, phone, keys, camera – keep these items packed in your carry on.

Personal items

A change of clothes, a pair of pj’s and your basic toiletries are handy to keep in your carry on. Make sure your toiletries are stored in a clear, reseal-able bag and the containers meet the airlines specific requirements for size. If the airlines ever loses your checked luggage, you sure will appreciate having these items on hand.

Snacks and entertainment

A few small snacks and an empty water bottle will help keep that hunger at bay during the flight. Most flights offer complimentary drinks and will fill a water bottle for you. Also, chewing gum is helpful to have for take-off and landing to keep the ear popping to a minimum. Books, laptops or tablets will keep you entertained – don’t forget your headphones and chargers too!

Medication

Have your meds also stored in a clear plastic bag, clearly labelled.

loading airplane

Whether you are taking a short trip or a long flight somewhere tropical, these basic carry on items will help make the flight that much more comfortable. Your travel needs may require more or less of these items – just ensure you have what you need when you need it at your finger tips!

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