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Saturday 28 December 2019

Christmas Fire

If you have a real Christmas tree, please consider the safety of everyone and remember to water it regularly.



Dried Christmas trees spark over 150 fires each year and endanger you, your family and neighbours, as well as the firefighters who respond to the blaze. With an annual average of 14 deaths and approximately $17 million in property damage, this should be considered a serious issue.


Set a calendar reminder on your smart phone to schedule regular watering, and consider these facts as a good point for the argument to switch to an artificial Christmas tree!  

Wednesday 25 December 2019

♫ Jingle Bells, Jingle Bells ♫

Wishing everyone a very Merry Christmas, but adding in some unusual facts about the occasion just to put my own quirky twist on things! haha


So, you think that "dashing through the snow, in a one horse open sleigh" is the quintissential Christmas song, but did you know it was originally written for Thanksgiving?

James Lord Pierpont wrote the tune back in 1857, as a tribute to the (famous at the time) Medford Sleigh Races held on or near to U.S. Thanksgiving. Some say that the song was for Pierpont's Sunday School class but the fact that it was actually written in a tavern and that the sleigh races were the olde day version of "drag races", it's more likely that it was a "drinking song". 

What about love and romance associated with this time of year?

Two of the world's most romantic and loving occasions, Valentine's Day and Christmas, are also the two dates that see the most breakups leading in to or out of the occasion. In the case of Valentines Day, many breakups occur two weeks after, but for Christmas it's the two weeks before the day that see many couples call it quits!

Nothing says Christmas like Kentucky Ducky!

Yes, back in 1947 the U.S. based food chain Kentucky Fried Chicken tried to appease tourists and ex-pats living in Japan with a "holiday meal" of  their secret recipe fast food. The idea caught on with the locals and has been a tradition in Japan ever since. Even odder, since most Japanese are not Christians and don't actually celebrate Christmas.

Battle With The Pagans!

I've written about this sort of thing on numerous occasions and think Christmas is another example of cultural appropriation by "the Church" . If one is to believe in the birth of Christ as told by the Bible, it is most likely that it occurred in Spring. However, the Pagan ritual of Saturnalia was a merrymaking and gift giving festival typically held in December, and circumventing it was a great way for the Christian movement to take over the occasion and push the Pagans aside.

Saturday 21 December 2019

Xmas

Yes, there are many who dislike the term "Xmas" instead of using Christmas, stating it's an abomination but the facts of the matter are quite different.



Using the term Xmas is no slag against Christianity or the occasion of Christmas, as some people are want to proclaim. Rather than being what some think is a secular way of taking the "Christ" out of Christmas or being some hipster abbreviation of the term, it has roots in history which revolve around language.

In ancient Greek,  the first letter in the word Christ is X, as pronounced Chi. In 1100 A.D., Chrstianity was spelled as Xianity. It is recorded that as far back as 1550, the celebration of Christmas was actually called Xtemmas, eventually changed to Xmas.

So to all you picky Christians out there...Merry Xmas! haha




Wednesday 18 December 2019

The New "Star Wars" Movie Is Here!

Yes, the new Star Wars movie "The Rise Of Skywalker" is out in cinemas this Christmas and I couldn't help but share this meme from the internet. haha!


Saturday 14 December 2019

CHRISTMAS PARCELS AND THE MAIL

Just about everyone sends or receives a parcel or package in the mail annually, either from a postal worker or a courier service, and it's pretty obvious that the busiest time of the year is the month or two leading up to Christmas!



Check Out These Fun And Interesting Parcel And Mail Delivery Facts

  • Canada Post delivers approximately 40 million parcels per year, with 25% of those being in the months of November and December. That equates to approximately 167,000 parcels per day.

  • December 14 is probably the biggest delivery date for Canada Post and they estimate they'll handle approximately 3,400 parcels per minute that day.

  • As for other mail, Canada Post in Calgary will probably handle about 1 million pieces of mail per day in November and December, requiring an additional 3000 extra employees and 1000 extra vehicles. No doubt that with that much volume there will be overtime involved!

  • In 2018 the U.S Postal Service delivered an estimated 850 million packages and an addition 15 billion pieces of mail between the dates of Thanksgiving and New Year's Day.

  • The Postal Service in Canada and the U.S. aren't the only ones who handle deliveries and courier companies like UPS and Fed Ex each ship approximately 800 million packages during the peak delivery season in November and December.

  • Interesting side note...15% of all online purchases will be returned to retailers, 

Wednesday 11 December 2019

Unhappy Or Happy?

Here's something I read about happiness that is definitely worth a share. There was no author's name attached but despite the fact that it wasn't written by me, it was tweaked a little to make it an easier read.


With a new year fast approaching and the usual trend of people making resolutions and wanting to improve their lives, perhaps a good first step is thinking about happiness in general. 

One way to consider this part of your life might be to look at what you may be doing that sets you up for unhappiness.


Unhappy Habits


When people are unhappy, it’s much more difficult to be around them, let alone work with them. Unhappiness drives people away, creating a vicious cycle that holds you back from achieving everything that you’re capable of.

Unhappiness can catch you by surprise. So much of your happiness is determined by your habits (in thought and deed) that you have to monitor them closely to make certain that they don’t drag you down into the abyss.


Some habits lead to unhappiness more than others do and you need to watch yourself carefully to make certain that those habits are not your own.

Ten Habits That May Lead To Unhappiness


1) Waiting for the future.

Telling yourself, “I’ll be happy when …” is one of the easiest unhappy habits to fall into. How you end the statement doesn’t really matter (it might be a promotion, more pay, or a new relationship) because it puts too much emphasis on circumstances, and improved circumstances don’t lead to happiness. Don’t spend your time waiting for something that’s proven to have no effect on your mood. Instead focus on being happy right now, in the present moment, because there’s no guarantee of the future.


2) Spending too much time and effort acquiring “things.” 

People living in extreme poverty experience a significant increase in happiness when their financial circumstances improve, but it drops off quickly after reaching a “living” annual income. There’s an ocean of research that shows that material things don’t make you happy. When you make a habit of chasing things, you are likely to become unhappy because, beyond the disappointment you experience once you get them, you discover that you’ve gained them at the expense of the real things that can make you happy, such as friends, family, and hobbies.

3) Staying home.

When you feel unhappy, it’s tempting to avoid other people. This is a huge mistake as socializing, even when you don’t enjoy it, is great for your mood. We all have those days when we just want to pull the covers over our heads and refuse to talk to anybody, but understand that the moment this becomes a tendency, it destroys your mood. Recognize when unhappiness is making you antisocial, force yourself to get out there and mingle, and you’ll notice the difference right away.

4) Seeing yourself as a victim. 

Unhappy people tend to operate from the default position that life is both hard and out of their control. In other words, “Life is out to get me, and there’s nothing I can do about it.” The problem with that philosophy is that it fosters a feeling of helplessness, and people who feel helpless aren’t likely to take action to make things better. While everyone is certainly entitled to feel down every once in a while, it’s important to recognize when you’re letting this affect your outlook on life. You’re not the only person that bad things happen to, and you do have control over your future as long as you’re willing to take action.

5) Pessimism. 

Nothing fuels unhappiness quite like pessimism. The problem with a pessimistic attitude, beyond it being hard on your mood, is that it becomes a self-fulfilling prophecy: if you expect bad things, you’re more likely to get bad things. Pessimistic thoughts are hard to shake off until you recognize how illogical they are. Force yourself to look at the facts, and you’ll see that things are not nearly as bad as they seem.

6) Complaining.

Complaining itself is troubling as well as the attitude that precedes it. Complaining is a self-reinforcing behavior. By constantly talking—and therefore thinking—about how bad things are, you reaffirm your negative beliefs. While talking about what bothers you can help you feel better, there’s a fine line between complaining being therapeutic and it fueling unhappiness. Beyond making you unhappy, complaining drives other people away.

7) Blowing things out of proportion. 

Bad things happen to everybody. The difference is that happy people see them for what they are—a temporary bummer—whereas unhappy people see anything negative as further evidence that life is out to get them. A happy person is upset if they have a fender bender on the way to work, but they keep things in perspective: “What a hassle, but at least it wasn’t more serious.” An unhappy person, on the other hand, uses it as proof that the day, the week, the month, maybe even their whole life, is doomed.


8) Sweeping problems under the rug. 

Happy people are accountable for their actions. When they make a mistake, they own it.
Unhappy people, on the other hand, find problems and mistakes to be threatening, so they try to hide them. Problems tend to get bigger when they’re ignored. The more you don’t do anything about a problem, the more it starts to feel as though you can’t do anything about it, and then you’re right back to feeling like a victim.

9) Not improving. 

Because unhappy people are pessimists and feel a lack of control over their lives, they tend to sit back and wait for life to happen to them. Instead of setting goals, learning, and improving themselves, they just keep plodding along, and then they wonder why things never change.

10) Trying to keep up with the Joneses. 

Jealousy and envy are incompatible with happiness, so if you’re constantly comparing yourself with others, it’s time to stop. In one study, most subjects said that they’d be okay with making less money, but only if everybody else did too. Be wary of this kind of thinking as it won’t make you happy and, more often than not, has the opposite effect.

Bringing It All Together

Changing your habits in the name of greater happiness is one of the best things that you can do for yourself. But it’s also important for another reason—taking control of your happiness makes everyone around you happier too.


Wednesday 4 December 2019

Why Are My Insurance Rates Rising?

I work in the insurance industry here in Alberta and one of the most asked questions these days is "why are my insurance rates rising?"



Certainly, premiums are on the rise, and have been for heading upward for awhile. If you've read any of my previous posts like "Rising Insurance Premiums Partly Caused By Fraud" or "Rising Insurance Premiums Partly Caused By Distracted Driving" you'll know that there are many contributing factors to those rate increases. Still, people will questions why they, as good drivers with no claims, are still getting dinged?

To answer that, we need to go back to the foundation of how insurance works.

We all know that insurance is provides a guarantee of compensation for specified loss or damage, or death, in return for payment of a premium. What people forget is that insurance companies collect the premium payments and pool them, which is then used to pay for losses of the few who make claims in that annual time period.

That "pool" concept is the key to the puzzle, since it doesn't matter if you are a good driver or not if everyone else is getting into accidents, making serious claims, and requiring serious repairs to their vehicles. Everybody pays into the pool to cover the losses of a few but if those few become many and the pool of money runs out, rates will rise!

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 4 Reasons That Accident Costs Are Rising


  1. Computerised Cars
    Most vehicles on the road rely on fairly advanced computer systems and damage to this technology is costly to fix.

  2. Safety Features
    Yes, they help prevent accidents but when a vehicle with those sensors and other special devices gets into an accident, the cost of repairs is greatly compounded.

  3. Windshields
    Just like those fancy safety features in vehicles, windshields are no longer just pieces of glass and have increasingly complex technology built into them that cost more to replace, not to mention the need to recalibrate the vehicle's computer system.

  4. Higher Medical Costs
    The damage done in an accident doesn't just occur to a vehicle and people get hurt, requiring medical attention that is getting more costly each year that passes.
Hopefully you used the links and read the related posts on this site that were connected, but you can also check out some on our BlueCircle insurance blog page to help you understand some of the other factors involved in these rate increases.  

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5 Factors Which Also Contribute To Rising Insurance Costs

  1. Distracted Driving
    Sadly, this is now the leading cause of accidents and deaths, surpassing even driving under the influence.

  2. Weather Related Events
    As mentioned in the related blog post links, hail, flooding, wildfires and other damages relating to extreme weather has caused catastrophic losses.

  3. Fraud
    Not just unscrupulous vehicle owners are defrauding the insurance companies, but theft by service providers are also running rampant, including those in the medical profession, towing industry and auto repair and body shop business.

  4. Theft
    One in 250 vehicles gets stolen every year in Alberta, some of it even facilitated by careless owners who leave vehicles running with the keys inside.

  5. Where You Live
    Yes, certain areas in the province or in a city or town have higher rates of thefts, accidents or vandalism and where you reside is a factor in rating your premiums.