Know the signs: Stroke can happen at any age


stroke can happen at any age

May is American Stroke Month. The recent deaths of beloved filmmaker John Singleton, aged 51 and actor Luke Perry, aged 52, serve as a sad reminder of why awareness of stroke warning signs is so vital. It’s also important to have a response plan for what to do if a stroke is suspected.

Generally, we tend to think of stroke as a medical condition affecting the elderly – and while stroke risk does increase in older years, the reality is that people of any age can suffer a stroke. In fact, health authorities say that the stroke risk for younger people is climbing.

“The deaths of Perry and Singleton underscore the fact that strokes are becoming more common among middle-aged adults. Between 2003 and 2012, the odds of being admitted to a hospital following an ischemic stroke — the most common type of stroke — increased 35.6% among U.S. residents ages 35 to 44. For those 45 to 54, the odds increased 20.5% over the same period, according to a 2017 study published in the Journal of the American Medical Assn.”

It’s important to learn stroke symptoms and act immediately, because with rapid treatment, stroke damage can be limited and the person can have a better chance of recovery. Experts say to think FAST: Facial drooping, Arm weakness, Slurred speech, and Take action, time is vital. The symptoms are ones that we might identify as a stroke in the elderly, but we might not be looking for such symptoms in people who are young or middle-aged. In younger people, these and other common stroke symptoms might be misattributed to intoxication or drug use.

Limit your risk

Here’s some good news: an estimated 80% of strokes in the US are considered preventable. There are two primary types of risk factors for stroke:

  • Uncontrollable factors, such as age, gender, race and ethnicity, family history, a prior stroke and certain health conditions.
  • Modifiable factors, such as high blood pressure, high cholesterol, smoking, a diet high in saturated fats, physical inactivity and obesity.

Learn more about stroke risk factors that are controllable and steps you can take to control them. See also: 7 things you can do to prevent a stroke.

This video depicts an elderly person who is having stroke symptoms and what happens afterwards. It’s well done. Save a life by having a better understanding of stroke and by knowing what signs and symptoms to look for.

Boston remembers its Great Molasses Disaster


We recently passed the 100 year anniversary of the huge Boston Molasses Disaster, which occurred on January 5, 1919. In today’s world, it can be hard to imagine how a household product could cause a disaster that would lead to the death of 21 people, more than 150 injuries and an entire neighborhood being leveled. That was indeed the case when 2.3 million gallons of molasses burst from a 50-foot tall North End storage tank with powerful force.

Molasses was in important staple of the day, a common sweetener. In addition to household kitchen uses, molasses was a key ingredient in rum and was once used in the manufacture of munitions.

The disaster occurred just after lunchtime on an unseasonably warm January day in a bustling Boston neighborhood. Insurance Journal describes the event:

The initial wave rose at least 25 feet high – nearly as tall as an NFL goalpost – and it obliterated everything in its path, killing 21 people and injuring 150 others. Rivets popped like machine-gun fire. Elevated railway tracks buckled. Warehouses and firehouses were pushed around like game pieces on a Monopoly board. Tenements were reduced to kindling.

Outrunning the molasses was out of the question. The first of it raced through the harborside neighborhood at 35 mph. Not even Usain Bolt, who clocked just under 28 mph at his world-record fastest, could have sprinted to safety.

The storage tank was owned by Purity Distilling Company. After the disaster, they tried to blame the explosion on bombs set by anarchists. The real source of the disaster was a confluence of predictable factors, primarily a poorly-constructed, overloaded storage tank, so badly constructed that it was painted brown to mask all the leakage.

A page dedicated to the molasses disaster with links to historical accounts says:

“Envision a disaster scene with smashed buildings, overturned vehicles, drowned and crushed victims, and terrified survivors running away covered in molasses. Like the modern-day disasters with which we are unfortunately familiar, there was chaos, terror, buildings in ruins, victims to be dug out, trapped survivors to be rescued, rescue workers among the victims, and anguished families rushing to relief centers to find their relatives. It was like any horrible disaster scene, with the addition that everything was covered in smelly sticky brown molasses.”

Agency Checklists also features an article on the disaster, including several photos. They note that the disaster marked the beginning of stricter construction codes and accountability.

“According to a Time magazine article on the flood, the resulting court case in which the U.S. Industrial Alcohol (USIA) corporation, owner of the Purity Distilling Company who operated the tanks, was forced to pay “… restitution amounting to about $15 million in today’s money” due to the structural weakness of the tanks used to hold the molasses. It was revealed during the ensuing lawsuit that the engineer who oversaw the construction of the North End tanks did not even know how to read blueprints, and that the tanks has subsequently been painted to match the color of molasses in order to hide the constant leaks in the tank.

As a result of these revelations and the tragedy which resulted from such negligence, Massachusetts instituted stricter construction codes, essentially creating the idea and requirement of “accountability in construction.”

A century ago, liability insurance was in its early days. ( IRMI: Early Liability Coverage.) Businesses rarely had adequate insurance and the courts were often a victim’s only financial remedy for damages or loss.

Today, business insurance is a social safety net that protects a business owner from financial losses and provides financial remedy for personal injury, death and property loss by third parties, as well as for a business owner’s litigation costs. In addition, insurance companies play another important role, providing an additional layer of public protection through risk and loss exposure identification during the underwriting process, as well as loss prevention expertise for business owners.

If you’re interested in more information on this unusual disaster, we’ve included a few links and a video clip of a 22-minute video documentary.

MA Emergency: Gas Explosion Resources


 

Many of our Massachusetts neighbors experienced a terrible crisis last night, complete with gas explosions, fires and mass evacuations.  We’ve compiled a few resources and links that might be of help.

Emergency Services: Massachusetts Emergency Management Agency (MEMA) – If you need non-emergency assistance or information, call 2-1-1. Call 9-1-1 for emergencies.

MA Red Cross: American Red Cross of Massachusetts. Also see:  Get Help Now and Find Open Shelters  If you or someone you know needs assistance, please call the Red Cross at (800) 564-1234. This hotline is staffed 24 hours a day, 7 days a week.

Gas Utility: Columbia Gas MA

Lawrence MA: Lawrence MA Emergency Alert – info on evacuations & shelter

North Andover MA:North Andover MA Columbia Gas Leak Information

Andover MA: Andover MA Gas Leak Updates

Twitter is often a quick way to get emergency updates. Here are some relevant Twitter links:

If you need to file an insurance claim, contact your local independent insurance agent.
For your convenience, here’s a list of many of the top insurance companies with links to their online claim reporting resources.

Reminder: Hurricane season continues through November


hurricane seen from space

All eyes are on the eastern seaboard as Hurricane Florence bears down upon southern states. As of right now, forecasters don’t expect any direct impact on New England, but we’re all watching North Carolina and South Carolina, where widespread mandatory evacuations are in place, the largest peace time evacuation the country has seen. This is predicted to be a multiple-day prolonged flooding event with 12-foot storm surge. See the fascinating infographic on storm surges below, courtesy of CoreLogic.

If you have friends or relatives in affected areas or are just a storm tracker, here are a few resources: Tracking Hurricane Florence: The Weather Channel • Twitter • New York Times
The National Weather Service: Hurricane and Tropical Storm Watches, Warnings, Advisories and Outlooks • Hurricane Preparedness  • Red Cross: Hurricane Safety

While New England folks may dodge this bullet, remember that hurricane season lasts from June through November.

infographic on hurricane strom surge

Do you have a “bug-out bag” ready?


emergency preparedness checklist

If you’ve followed news about the California wildfires, you know that many people are forced to flee their homes unexpectedly at a moment’s notice. A little bit of planning goes a long way when it comes to disaster preparedness. One of the best ways to get ready for the worst is by putting together a “bug-out bag” – a collection of important documents and valuables, all in one place, ready to be scooped up and transported at a moment’s notice.

What’s In The Bag?

A quick online search will show a plethora of survival kits available for purchase, and while those are useful (and you already have a small emergency kit in your vehicle for the winter, right?), they’re not exactly what we’re looking for here. For most of us, wilderness survival isn’t our goal when putting together a bug-out bag – when the wildfire comes or the hurricane hits or the earthquake shakes, we want to have handy the documents and means to begin the long and complicated process of rebuilding our lives.

So think of your bug-out bag as a starting point. It’s going to have in it the stuff you need to get started again. And a lot of that stuff is paper records.

The Virtual Bag

One of the best ways to ensure that your valuable records aren’t lost is redundancy. And one of the best ways of storing those redundant records is electronically. Keep copies on your phone, on your tablet, on your PC, and in the cloud. Take care to encrypt and password-protect those files. Then you’ll have them at your fingertips when you need them the most. Do the same with irreplaceable family photographs and videos. Inventory your belongings by photo or video. If it can be digitized, digitize it! And then make sure it’s securely stored in more than one place.

What Records Are We Talking About?

The vital ones! Birth certificates, marriage certificates, deeds and titles, passports and visas, papers of incorporation, leases, contracts, you name it! Some of the most important documents to store in your bug-out bag (virtual or not) are insurance records. Make sure those documents have with them your policy numbers, your insurance agent’s contact information, and instructions on how to file a claim.

And While You’re There…

Since you’re already going through all that insurance paperwork, now’s a great time to review your policies and make sure you have adequate coverage. Have you built additions to the house not covered by the original policy? What’s your policy’s loss-of-use coverage? Has your property value increased? What’s the cost to replace your property? Maybe a quick chat with your insurance agent is in order! It can’t hurt to check in with her annually, anyway. Go see her. She’ll probably give you one of those little magnetic tear-off fridge calendars; those are cool. Whether you rent or own, staying up-to-date with your personal and business insurance is the best way to limit the damage a catastrophe can cause.

Peace of Mind

Now that your documents are digitized and distributed, your vital papers safely stashed, and your emergency supplies consolidated, relax! Enjoy the feeling of being prepared. Add items and remove them from your bug-out bag as you see fit and as your circumstances demand. It’s much easier to maintain a secure document cache than it is to create one. Once you’ve put a process in place, you’ll find it easy to maintain. And now that you’ve got all your unique documents duplicated and secured, go to FEMA for a comprehensive checklist of other items to keep close in case of emergency.

Related posts: