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    Six Things to do Before Your Child Leaves for College

    Posted by Gordon Atlantic Staff

    Fri, Aug 12, 2016 @ 11:31 AM

    In a few weeks, I will pack up and head for my sophomore year of college.  My experiences last year at school and this summer working at Gordon Insurance have opened my eyes to a few things that are sometimes overlooked when sending a child off to school.  

    1. Go shopping. Your child is essentially moving out and living on their own.  Things like nail clippers, tissues, extension cords, scotch tape, or an umbrella can be overlooked, as they usually can be found at the back of a closet or drawer at home.  Also, make sure they have extra socks, as many will get lost in the dorm laundry room.  It is totally normal to feel as though you have way too much stuff the first time around.  Your child will figure out what they do and don’t need over the course of the first semester.

    1. Make sure your child has proper life insurance. For many families, sending a child to college means taking out loans.  These loans come in two types: Federal and Private.  If anything were to happen to a student who is still paying off a federal loan, all debt would disappear at death.  However, this is not the case with a private loan.  Most private loans require a co-signer, whether it is a parent or a spouse, who would take on the responsibility of paying.  Be aware that sometimes banks will require an accelerated rate of payment or even demand to receive all of the money immediately.  This is why adequate life insurance for your student is important.  A good policy will help soften the blow of these payments.

    1. Teach them the basics. In some ways, dorm life is like summer camp, but it can feel overwhelming (especially in the last weeks before move in day).  Your 18 year old probably has basic life skills down, but it doesn’t hurt to go over a few things before they leave for a sense of security.  Teach them how a bank account works and how to cook basic things like pasta or brownies.  If they are going to school in the city, go over the public transportation system.  Have them download Venmo, an app that allows you to transfer money to and from your friends (or your parents).  Not many people keep cash on them at school, so it is very helpful.

    1. Educate your child about identity theft. Although this may seem a little bit extreme, college students are easy targets for identity and credit card fraud as they are on their own for the first time and may not be as cautious.  Make sure your child knows their social security number, but warn them to share it sparingly and to keep any physical documents where it is listen in a safe place.  Also, when asked for personal information from the school, both you and your child should ask why the information is needed and how it will be used.

    1. Get an “Away at School” discount on your auto insurance. Most companies will offer a discount on auto insurance while your child is away because they will not be using the car.  In order to get this discount the school must be at least 100 miles away from where you live.  This discount is not applicable if your child brings their car to school, but it is still important to call your insurance agency if they are bringing a car with them, as adjustments must be made to your policy.

    1. Spend time together. In a few weeks, you will be in contact only by means of FaceTime or the occasional text.  Plan around the whole family and do something fun that you can hold onto in the emotional weeks ahead.  This is an exciting time! Enjoy it and good luck.

     
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    Tags: identity theft, student, parents, life insurance, Auto Insurance, college, insurance discounts, family

    CPR and AED General Info

    Posted by Ben Gordon

    Wed, Jul 24, 2013 @ 10:05 AM

    Heart Health

    As I am sure you are well aware, the heart is one of the most important organs in your body, second only to your brain. And if something happens to it, the rest of your organs would quickly shut down as a result. The heart acts as a motor for all the blood, which transports nutrients and oxygen to your cells and remove carbon dioxide from your body. If your heart stops beating, your cells will soon be starving for oxygen.

    Cardiac arrest is a life threatening emergency that can be brought on from cardiovascular disease, electrocution, or drowning. When cardiac arrest occurs, your heart is beating too weakly or irregularly to move blood through your body. When someone is suffering from cardiac arrest they will be unconscious, not moving or breathing, and there will be no pulse. At this point it is vital to call 911 and, if you know, begin CPR.

    CPR vs. AED

    Learn cpr and get life health insurance from andrew g gordon inc

    CPR, which stands for cardiopulmonary resuscitation, is a combination of chest compressions and rescue breaths. The chest compressions help to move the blood through the body, and stave off cell death for a while longer. The rescue breaths are meant to provide some oxygen to the victim. It is important to remember that CPR can involve broken ribs, vomiting, and hysterics, so if you are not properly trained or prepared, don’t dive in.

    AEDs, which are also associated with CPR, are machines that recognize heart rhythms and provide an electrical shock to the heart with hopes of restarting a regular beat. AED stands for automated external defibrillator. If that doesn’t ring a bell, they are the machines that doctors use in T.V. shows when they yell “clear” and then bring their patients back from a flat-line. Using an AED may be referred to as defibrillation because it interrupts ventricular fibrillation, a state of chaotic electrical activity in the heart. Ventricular tachycardia, excessively rapid and inefficient beating of the heart, may also occur and can be corrected by an AED as well.

    Good Samaritan Law

    If one does provide care to a stranger suffering from cardiac arrest and harms them, perhaps breaking a rib during CPR, that person is protected under the Good Samaritan Law. This law protects a person who in good faith provides assistance for a victim of a crime (or emergency) shall be liable in a civil suit for damages resulting from the assistance, with the exception being willful, wanton or reckless conduct. The purpose of the law is to encourage bystanders to help someone who is suffering, without fear of repercussions.

    Classes

    Both the American Red Cross and the American Heart Association provide training for CPR and AEDs, and you can take classes with either one. Below are the links to find some classes near your.


    Remember, there are constant studies being done to find the most effective life-saving methods, and so they are always changing with new data emerging. Once you get certified, you will need to re-certify every one or two years, depending on who you take the training with. Hopefully you will never need to use your new found knowledge, but I’m sure it will be appreciated if you do.

    This blog was written to provide general information regarding CPR and AEDs. Do not refer to this blog during a medical emergency. I am not an authorized CPR instructor, just someone who has taken the course a few times. Learn more about life insurance here.

    Contact Us Life Quote

    Ben Gordon

    Tags: life, Emergency, life insurance, cpr, heart health, aed, cardiac, emergency response, good samaritan

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