Daniel J O'Mara Ins Agcy Incwww.omarainsurance.com

Cell phone units that allow the hands to be free offer no safety advantage over hand-held units.

The National Weather Service estimates an average of 42 people die in the United States from tornadoes each year. Having a safe room built into your house can help protect you and your family from the dangerous forces of nature.

Some insurers increase premiums for cars that have higher rates of damage or occupant injury. And cars that do better in safety tests? They're more likely to get you lower rates.

With Medicaid, the government may limit benefits for specific services or require additional criteria be satisfied before approving or paying benefits. This may mean that Medicaid only pays for care in certain nursing homes or limits the type and number of home health care services. Do not compromise your level of care. Seek additional long-term care coverage.