Staebler Place, 871 Victoria Street North, Kitchener, ON, N2B3S4, Canada

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WELCOME TO OUR BLOG

09th
May
2013

Cell phone use in fatal crashes often unreported, U.S. study says

While the popularity of mobile phones has grown enormously in the past two decades, it's still unclear how greatly cell phone calls and texting contribute to car crashes. What is clear is that talking on the phone and texting behind the wheel both lead to distraction, and driver inattention is the leading cause of car accidents.

Many fatal auto collisions in the United States involve cell phone use, but many of those aren't included in a national database as crashes involving cell phones, according to a new research report from the National Safety Council (NSC). collisions.

For more information on this study,  read the following article.

 

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07th
May
2013

Emergency Preparedness Week - IBC's Top 10 Guide to help you get better prepared for emergencies

 With this being Emergency Preparedness Week,  we came across an article from the Insurance Bureau of Canada that we would like to share with you.

In this article they list Ten tips that will help you to become better prepared to face a range of emergencies. 

We hope that you will find this helpful in preparing a plan to protect you , your family and your property from the impact of a disaster.

Ten tips that will help you become better prepared.

 

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30th
Apr
2013

Insurance and Your Renovation

A recent survey showed many people are unaware of a home renovation's impact on their insurance policy.

According to the survey results only 6% of people checked their home insurance policy to ensure they were covered during upgrades, and only 16% asked their insurer if they needed an update following their renovation.

"Upgrades requiring extensive work, such as adding an extension to your home, may require you to change your entire policy to a building under construction."

"And, if you're not living in your home during renovations, it becomes an easier target for thieves and undetected water damage, which is why your insurer may require you to secure a vacancy permit if you move out for more than a month."

The Insurance Bureau of Canada website also includes information for homeowners  about when they may need a policy update.

If you're planning on doing some renovations this year, give us a call and we will gladly answer all your reno questions. 

We're here to help you along the way.      Be Wise.... Staeblerize

 

 

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24th
Apr
2013

Distracted driving a factor in more fatalities than impaired driving

According to the Ontario Provincial Police,  distracted driving-related fatalities surpassed impaired driving fatalities in 2012, in Ontario.

While texting is among the most dangerous activities to carry out while driving, distracted driving refers to all forms of distracted or inattentive driving, such as talking on the phone, eating and drinking, personal grooming and tending to children in the backseat.

In the United States, of the more than 65,000 people killed in car crashes over the past two years, one in 10 were in crashes where at least one of the drivers was distracted, according to police data in the Fatality Analysis Reporting System (FARS).

Here is a list of 10 distractions:

10. Smoking related distractions, such as smoking, lighting up, etc.
9. Moving object in the vehicle, including a pet or insect.
8. Using devices or controls integral to the vehicle, including adjusting mirrors and seats, or OEM navigation systems
7. Adjusting audio or climate controls
6. Eating or drinking
5. Using or reaching for an external device, such as a navigational system, headphones, etc.
4. Other occupants, be it looking at them or talking to them
3. Outside person, object or event -- rubbernecking
2. Cell phone use, including talking and texting
1. Generally distracted or lost in thought: daydreaming

The OPP wants you to share your  stories on Facebook about distracted driving behaviour you've seen from drivers  https://www.facebook.com/ontarioprovincialpolice

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18th
Apr
2013

THEMUSEUM presents - One Love or War?: Peace and Violence in the Life and Songs of Bob Marley

Sunday April 21 | 11am 
One Love or War?: Peace and Violence in the Life and Songs of Bob Marley
Talk Presented by Brent Hagerman, PhD, Department of Religion and Culture and the Faculty of Music, Wilfrid Laurier University
 
April 22 marks the 35th anniversary of the One Love Peace Concert in Kingston, Jamaica, an historic event that offered a brief respite from the political violence in the island's capital. The iconic image taken at this concert of Bob Marley standing between the Prime Minister and Leader of the Opposition with their hands entwined has come to symbolize Marley's music and life for many of his fans. Because of this image and popular songs such as "One Love" and "Three Little Birds," it has become fashionable among scholars, popular writers and fans to represent Marley as a sort of peacenik with a streamlined message of peace, love and unity for the world. With this in mind, though, how are we to make sense of Marley's lyrics, interviews and actions that suggest otherwise? Marley once told an interviewer that if he was not a musician he would be a revolutionary; in "Talking Blues" he sings, "I feel like bombing a church because I know the preacher is lying";  and a former manager testified in court that Marley forced him to cancel their contract at gunpoint. This presentation examines these two prevalent representations of Bob Marley in popular culture-the icon of peace versus the revolutionary-and contends that although his legacy is often reduced to an essential meaning such as peace promoter or an advocate of violence, Marley's views on peace and violence need to be understood using his religious faith in Rastafari, his socio-political background and the struggle for decolonization.
*This talk is free with admission!


 

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18th
Apr
2013

Reminiscing from years gone by.......now Staebler Place!

 

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17th
Apr
2013

Small Companies are targets for Cybercrime

 A recent study reported that small businesses are cybercriminals' favourite target for two reasons: they have a lot worth stealing-such as bank-account information, customer data and intellectual property-and they often lack adequate security practices and infrastructure.

Cybercriminals have another incentive to go after small businesses: to get at bigger companies that they have relationships with. A cybercriminal will first compromise the website of a small company that has weak security and is a supplier to a larger company. Then once the larger company visits the smaller companies compromised website, the site will silently install a targeted attack payload on the larger companies
computer, which then breaches their network.

The Manufacturing sector has moved to the top of the list of Industries targeted. This is due to  an increase in attacks targeting the supply chain, because contrators and subcontractors often possess valuable informtaion but have weak defences.

To protect your small business you can do the following:

1. assume you are a target

2. Educate your employees about the value of  data and how to protect it.

3. Use data loss protection software on your network and encrypt your data to protect in transit, whether online or via removable storage.

4. Regularly update firewalls, antivirus and Web security solutions across your computer network.

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11th
Apr
2013

INTERESTING TRIVIA

Us older people need to learn something new every day...
 
Just to keep the grey matter tuned up.
 
Where did "Piss Poor" come from? Interesting history. 

They used to use urine to tan animal skins, so families used to all pee in a pot. And then once it was full it was taken and sold to the tannery...  if you had to do this to survive you were "Piss Poor".
But worse than that were the really poor folk who couldn't even afford to buy a pot....
They "didn't have a pot to piss in" and were the lowest of the low.
            
The next time you are washing your hands and complain because the water temperature Isn't just how you like it, think about how things used to be.
 
Here are some facts about the 1500's
 
Most people got married in June because they took their yearly bath in May, and they still smelled pretty good by June.. However, since they were starting to smell, brides carried a bouquet of flowers to hide the body odor. 
Hence the custom today of carrying a bouquet when getting married.
 
Baths consisted of a big tub filled with hot water. 
The man of the house had the privilege of the nice clean water,
Then all the other sons and men, then the women and finally the children. 
Last of all the babies. 
By then the water was so dirty you could actually lose someone in it.
Hence the saying, "Don't throw the baby out with the bath water!" 
 
Houses had thatched roofs-thick straw-piled high, with no wood underneath. 
 
It was the only place for animals to get warm, so all the cats and other small animals (mice, bugs) lived in the roof. 
When it rained it became slippery and sometimes the animals would slip and fall off the roof.
Hence the saying, "It's raining cats and dogs."

 
There was nothing to stop things from falling into the house.
 
This posed a real problem in the bedroom where bugs and other droppings 
could mess up your nice clean bed. 
Hence, a bed with big posts and a sheet hung over the top afforded some protection. 
That's how canopy beds came into existence.
 
The floor was dirt. Only the wealthy had something other than dirt. 
Hence the saying, "Dirt poor." The wealthy had slate floors that would get slippery In the winter when wet, so they spread thresh (straw) on the floor to help keep their footing.  As the winter wore on, they added more thresh until, when you opened the door, It would all start slipping outside.  A piece of wood was placed in the entrance- way.
Hence: a thresh hold. 
 
(Getting quite an education, aren't you?)
 
In those old days, they cooked in the kitchen with a big kettle that always hung over the fire. Every day they lit the fire and added things to the pot. They ate mostly vegetables and did not get much meat. They would eat the stew for dinner, leaving leftovers in the pot to get cold overnight and then start over the next day.
Sometimes stew had food in it that had been there for quite a while. 
Hence the rhyme: 
"Peas porridge hot, peas porridge cold, peas porridge in the pot nine days old."

Sometimes they could obtain pork, which made them feel quite special.
When visitors came over, they would hang up their bacon to show off. 
 It was a sign of wealth that a man could, "bring home the bacon." 
 They would cut off a little to share with guests and would all sit around and chew the fat.
 
Those with money had plates made of pewter. 
Food with high acid content caused some of the lead to leach onto the food, causing lead poisoning death. 
This happened most often with tomatoes, so for the next 400 years or so, tomatoes were considered poisonous.
 
Bread was divided according to status...
Workers got the burnt bottom of the loaf, the family got the middle, 
and guests got the top, or the upper crust.
 
Lead cups were used to drink ale or whisky.
The combination would sometimes knock the imbibers out for a couple of days...
Someone walking along the road would take them for dead and prepare them for burial. They were laid out on the kitchen table for a couple of days and the family would gather around and eat and drink and wait and see if they would wake up. 
Hence the custom; "holding a wake."

England is old and small and the local folks started running out of places to bury people. So they would dig up coffins and would take the bones to a bone-house, and reuse the grave. 
When reopening these coffins, 1 out of 25 coffins were found to have scratch marks on the inside and they realized they had been burying people alive. So they would tie a string on the wrist of the corpse, lead it through the coffin and up through the ground and tie it to a bell. 
Someone would have to sit out in the graveyard all night (the graveyard shift) to listen for the bell; thus, someone could be, "saved by the bell" or was "considered a dead ringer."

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11th
Apr
2013

GVCA Heritage Award Presentation

 Anita Flootman Paterson, of Staebler Insurance, presenting D&D Diamond Cutting and Coring, with their GVCA Heritage Award Plaque.
Congratulations to them on 26 years in the business.

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03rd
Apr
2013

Cost of Risk

I recently came across an article entitled "Risk Calculator".  The article touched on some familiar concepts for Risk Managers; "Cost of Risk", but it certainly does apply to all business owners.  If you go to the internet you will find many different perspectives on the topic.  Some discussions are very simplistic (which doesn't necessarily mean they are off the mark) and other discussions are very complicated.
I would start by broadly grouping the risks that any business faces; obviously there are some you are aware of but equally there will be risks that you are not yet aware of.  For any business risk you are aware of you can plan to deal with any consequences in a number of ways, including; (i) take steps now, to control, reduce or hopefully eliminate any impact on your business, (ii) prepare to finance whatever costs you may incur or self-insuring, (iii) obtain traditional insurance to help address any financial impact or even (iv) just make a business decision to take no action now, and react to the consequences if and when anything happens to your business. 
They say that Risk Managers are the most risk-averse of all executives, but I don't believe we can generalize like that.  Anyone responsible for a small business is also taking on that Risk Manager role.  Many decisions entrepreneurs make will expose their business to 'downside risk'.  Something you don't want to happen could materialize and you have to deal with the financial (and other) impacts.  But you make these decisions every day.  If you were really that risk-averse you likely would have passed on important opportunities because there was a chance you could end up eating an unexpected cost.
So what is the cost of the risks you face?  When you take the risk control option then your costs of putting procedures and resources in place will be part of this overall cost.  When you prepare to finance you are assuming the cost of either having the financing available as a buffer to deal with potential loss costs (such as a line of credit) or you assume any opportunity costs of otherwise being able to use your capital to take advantage of or invest in different opportunities. 
When you obtain insurance the costs are pretty easy to track; premiums (and possible premium financing costs) and deductibles or retentions you will have to pay.  You also have to bear in mind that you may not be able to insure every eventuality.  However,  policy exclusions and limitations deal with risks that can either be endorsed back in for additional premium; or which require separate, more specialized policies; or, are simply uninsurable altogether.  And let's not forget the value of the time you spend to see the insurance claim through to conclusion. 
But the most difficult option to put a figure on is where you decide not to take action now.  If something happens then you are going to find out in a hurry, but I feel the best you can do today is simply allow for contingencies - your best estimate.
I wouldn't suggest that it is easy to identify every risk that could have a significant impact on any business' financial position, but I would say that it is well worth taking a little time to think about it.  You don't want to gloss over decisions to address risks that could threaten the viability of your business.  Consider talking to you broker about how insurance can fit in to your planning.  You may not want to get all the insurance for every eventuality, but you should know what you can insure so you are making the best informed decisions you can.

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