What do motorcycles, cybercrime, college kids and winter prep all have in common? 
They're all in this edition!
THE SHIELD
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Winter Is Coming


Love it or hate it, it's coming.  But until then, fall is here to enjoy.  In addition to apple picking, leaf peeping and everything pumpkin, it's also the time to get your home prepared for winter.  As a homeowner, you should take THESE STEPS to prepare your home now to help prevent a claim later.
 
"Cybercrime may be the greatest threat to every company in the world." Ginni Rometty, Chairman, CEO & President - IBM

In 2015 CryptoWall alone collected 325 MILLION DOLLARS in ransom payments. In January - March of 2016 that number was already a staggering 250 MILLION DOLLARS.

 "Three years ago The Wall Street Journal estimated the costs of cybercrime in the U.S. was approximately $100 billion dollars, but others dispute that it was as much as 10 times higher.  By 2015 media forecasts showed that cyber-attacks costs had risen as high as $500 billion dollars. Juniper research recently predicted that the rapid digitization of consumers' lives and enterprise records will increase the cost of data breaches to $2.1 trillion globally by 2019, increasing to almost four times the estimated cost of breaches in 2015." - Forbes.


Are You a Co-Signer for College Loans?  You Should Read This!  
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If you are a co-signer on a college loan or are going to be, keep in mind that in some cases you will be legally and financially responsible for repaying the debt should the borrower pass.  It's a situation that no parent wants to think about, but you may be in for more trouble than just heartache if something were to happen.
 
Will You Be Able to Help Your College-Age Child in a Medical Emergency?

The HIPAA Privacy Rule can get in your way.    - By Susan Feinstein, Consumer Reports

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Moms and dads who still think of themselves as protectors and advisers, even after their children become legal adults, often don't consider the real-world implications of that milestone birthday.  They and their young-adult children need to think about the unthinkable in advance.
 
ENSURE YOU'LL HAVE ACCESS TO YOUR CHILD
Should I Take My Motorcycle Off the Road During Winter Months?
It's a common question we get around this time of year.  Although we can't tell you what to do, we highly suggest that you keep your bike registered and insured year-round.

You Asked, We Delivered!

Instead of having an annual shred day, we went with the majority of poll-takers and decided to place a secure bin in all of our offices.  Feel free to bring in your shredding as needed.  You simply deposit your documents into the locked bin that will be regularly emptied and shredded on-site by a AAA NAID certified vendor.


How to Make Your Own Pumpkin Spice Latte - By Faith Durand
  
Pumpkin Latte
Get the Recipe
"For those of us on a budget, those little cups of spicy goodness can add up. Making your own at home will not only save you money, but you can also enjoy them year-round. In addition, you have more control over the ingredients (especially the sugar), so you can tweak the recipe to your liking."

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G.M. Abodeely Insurance Agency | 800-649- 1535 | [email protected] | www.abodeely.com
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