Archive | Resources

Uninsured Motorist Insurance Coverage – A Must Have!

Posted on 09 October 2019 by Monica Zech

It’s time to check your motorist insurance policy.  The BIG question, for your protection, do you have “uninsured – under-insured” motorist insurance coverage?

It’s important to make sure you and your passengers are well covered in case the driver at fault in a collision has little or no insurance, or the minimum coverage to obtain a driver’s license – which isn’t much.

This coverage is a must-have according to the Padilla Law Group.  Please click on the following link for a clear explanation of the importance of this insurance coverage.

UM Handout





Thank you to the Padilla Law Group for providing this valuable information.


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Kids Home Alone – Safety Information

Posted on 24 September 2019 by Monica Zech

Home Alone After School children’s safety guide helps adults and kids prepare for when they’re home alone:

This guide includes:

  • How to tell if your child is ready to be home alone
  • A free, printable, emergency contact sheet for kids to reference
  • Tips, technologies, and tricks for adults to support kids’ safety while home alone

Home Alone After School: A Safety Guide for Kids


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Victim of a DUI driver? There’s Help!

Posted on 04 August 2019 by Ron Cook

Contact MADD! They helped me and my family when my father was killed by a DUI driver in June of 1992. They helped us through the court system since we didn’t have a clue on our rights, on what to expect or what to do next! 

Your contact at the MADD office in San Diego is:

Cristi Walker
Program Specialist
Mothers Against Drunk Driving
California, San Diego Affiliate
9948 Hibert Street, Suite 107
San Diego, CA 92131

858-564-0780 ext.6664 direct
877-MADD-HELP victim support
877-572-5256 fax

MADD provides free services to victims of drunk and drugged driving. If you’ve been affected, please call our 24/7 Help Line 877-MADD-HELP or visit

If you’re the victim of a DUI driver, or you’ve lost a loved one to a D.U.I. driver take action and call MADD at 1-800-GET-MADD.

*We must work together to stop the madness on our roadways…people are basically getting away with murder, even though they’ve heard over and over “don’t drink and drive!

When hosting a party:

You have the opportunity to educate by example that you don’t need alcohol to have a good time…but, make sure guests designate a SOBER driver if alcohol is being served, have them stay the night, or arrange to call a cab, UBER or Lyft driver. There’s a lot we can do to save lives by educating others of our loss! If you lost a friend, keep that friend’s death from going in vain by stopping others from drinking and driving – and never ride with someone who’s been drinking!

Also, as parents, we can also look at ourselves! Sadly, in the last several years, we’ve found more and more “parents” injuring and killing their own families while driving-under-the-influence. What ever happened to priorities! My family’s safety means more to me than alcoholic beverages! So I don’t drink alcoholic beverages – it’s that simple! I’ve chosen to be a good safety role model for my daughter and others. So what are your priorities? Or, are you willing to take the risk? The risk of your family’s life!

Remember, you don’t have to be drunk to kill or injure. Alcohol is a “drug” – a “depressant”…a drug that immediately dulls the senses needed to be a safe driver! Also, always protect yourself and your passengers by always buckling up and driving “alert”! Expect the unexpected!


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Latest News From the Insurance Institute for Highway Safety

Posted on 01 July 2019 by Monica Zech

See the latest news from the Insurance Institute for Highway Safety:

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Depression, Suicidal Thoughts? Light for Life Foundation Can Help You

Posted on 09 April 2018 by Ron Cook

Light for Life Foundation Please call the San Diego 24 hour Crisis Hotline at 1(888) 724-7240, or the National Hotline at 1(800) 273-8255 – If you are in need and don’t know how to ask for help please call these hotlines. Life is precious – we care.


Crisis Hotline – Call (888) 724-7240 for immediate help
If you or someone you care about is experiencing a suicidal or mental health crisis, please call the Access and Crisis Line at (888) 724-7240. Trained and experienced counselors are available 7 days a week, 24 hours a day to provide support, referrals, and crisis intervention. You can also call the Access and Crisis Line if you are concerned about someone, just need to talk, have questions about how to offer support, or if you are looking for information about community resources, mental health referrals, and alcohol and drug support services. If emergency medical care is needed, call 9-1-1 or go to the emergency room of the nearest hospital.


You can text for help:

Crisis Text Line is free, 24/7 support for those in crisis, connecting people in crisis to trained Crisis Counselors. Our first priority is helping people move from a hot moment to a cool calm, guiding you to create a plan to stay safe and healthy. YOU = our priority.

Text CONNECT to 741741 from anywhere in the USA, anytime, about any type of crisis.

Are you, or do you know someone who is feeling depressed, with thoughts of taking their own life?

Please read on for help:

*If you are in need and don’t know how to ask for help please call these hotlines. Life is very precious -I care and they care – make the call for help. Sometimes life seems over-whelming-please make the call…


San Diego Teen Zeen (Comprehensive Local Youth Support)


Compassionate Friends
(Our Children Loved, Missed, and Remembered)



So that you’re aware of this important issue – please read the following and – Take Action!

How You Can Help a Suicidal Teenager or adult!

  • DEAL WITH YOUR OWN FEELINGS FIRST. The idea of young people wanting to kill themselves is difficult for adults to grasp. The first reaction is often shock or denial. TRUST YOUR FEELINGS WHEN YOU THINK SOMEONE MAY BE SUICIDAL. A second reaction might be efforts to argue, minimize, to discount the young person’s feelings of despair. Remember that most young people who contemplate or attempt suicide are not intent on dying. Rather, at the moment, the pain of living is more unbearable than the fear of dying.
  • LISTEN DON’T LECTURE. What the young person really needs in this crisis period is someone who will listen to what is being said. Try to understand from the teenager’s viewpoint.
  • ACCEPT WHAT IS SAID AND TREAT IT SERIOUSLY. Do not judge. Do not offer platitudes.
  • ASK DIRECTLY IF THE INDIVIDUAL IS THINKING OF SUICIDE. If the teenager has not been thinking of suicide, he or she will tell you. If the young person has been thinking of it, your asking allows the opportunity to bring it out in the open. Isolation and the feeling that there is no one to talk to compounds suicidal ideation. YOU WILL NOT CAUSE SOMEONE TO COMMIT SUICIDE BY ASKING THEM IF THEY ARE SUICIDAL.
  • TRY TO FOCUS THE PROBLEM. Point out that depression causes people to see only the negatives in their lives and to be temporarily unable to see the positives. Elicit from the person’s past and present positive aspects which are being ignored.
  • HELP THE YOUNG PERSON TO INCREASE HIS/HER PERCEPTION OF ALTERNATIVES TO SUICIDE. Look at what the young person hopes to accomplish by suicide and generate alternative ways to reaching the same goals. Help determine what needs to be done or changed.
  • HELP THE PERSON RECALL HOW THEY USED TO COPE. Get the person to talk about a past problem and how it was resolved. What coping skills did he or she use?
  • EVALUATE THE RESOURCES AVAILABLE AND HELP IDENTIFY THE RESOURCES NEEDED TO IMPROVE THINGS. The individual may have both inner psychological resources and outer resources in the community which can be strengthened. If they are absent the problem is much more serious. Your continuing observation and support are vital.
  • DO NOT BE MISLED BY THE TEENAGER’S COMMENTS THAT HE/SHE IS PAST THE EMOTIONAL CRISIS. The person might feel initial relief after talking of suicide, but the same thinking could recur later.
  • ACT RESPECTFULLY. Do arrange with the person to be back in contact within a few hours. Offer yourself as a caring and concerned listener until professional assistance has been obtained.
  • DO NOT AVOID ASKING FOR ASSISTANCE AND CONSULTATION. Call upon whomever is needed, depending upon the severity of the case.
  • DO NOT TRY TO HANDLE EVERYTHING ALONE. Go to the child’s guidance counselor, principal, parents, minister, etc. Seek out referrals from hotlines, etc. Convey an attitude of firmness and composure so that the person will feel that something appropriate and realistic is being done.

Identifying Youth at Risk for Suicide

The “equation” for more successfully identifying youth at suicidal risk is to recognize items from both sides of this list. Warning signs alone are not enough to give adequate indicators. Including the risk factors give a more complete profile. Remember, however, ALL YOUTH ARE AT RISK. One is five has suicidal thoughts and one in ten will make an attempt.

Warning Signs Risk Factors

  • Abrupt changes in personality
  • Giving away possessions
  • Previous suicide attempts
  • Ending of a romance
  • Inability to tolerate frustration
  • Use of drugs and/or alcohol
  • Depression. Lack of self esteem
  • Change in eating patterns (significant weight changes)
  • Unwillingness or inability to communicate
  • Sexual promiscuity
  • Extreme or extended boredom
  • Inability to concentrate
  • Accident prone (carelessness)
  • Unusually long grief reaction
  • Unusual sadness, discouragement and loneliness
  • Hostile or reckless behavior
  • Neglect of personal appearance
  • Major loss (of loved one, home, loss through divorce, trauma, relationship)
  • Running away from home, or truancy from school.
  • Rebelliousness
  • Withdrawal (from people, especially close friends, family and or favorite activities)
  • Perfectionism
  • Restless
  • Anxiety — stress
  • Problems with school or the law
  • Unexpected pregnancy
  • A stressful family life
  • Parents who are substance abusers or depressed
  • Family history of suicide
  • Loss of self-esteem (humiliation)
  • Tendency toward impulsiveness/anger
  • Stress due to new situations: beginning new school, college or relocating to a new community
  • Loss of security. Fear of higher ups, group or gang
  • A serious illness or injury
  • Failing in school or failing to pass an important test
  • Remorse causing another person’s pain: a broken romance, an accident that injured another person
  • Recognizing Possible Suicidal Behavior in the Classroom

The signs and symptoms of depression and suicidal behavior in adolescents are often observable behaviors first noticed by school personnel. The following lists common changes in classroom behavior which may reflect serious depression and/or suicidal behavior.

  • Remain alert to excessive absenteeism in a student with a good attendance record, particularly when the change is sudden.
  • Question any unexpected and sudden decreases in school performance, inability to concentrate is frequently found in depressed adolescents, leading to poor school performance.
  • This may be due to a variety of factors. However, this is often seen in depressed and suicidal youngsters.
  • It is difficult to maintain surveillance over so many adolescents. However, one of the first signs of a potentially suicidal adolescent is general withdrawal, disengagement and apathy.
  • Additional evidence of personal despair may be abrupt changes in friendships and social relationships.
  • Depressed, stressed and potentially suicidal individuals demonstrate wide mood swings and unexpected displays of emotion. Try to stay alert to times when a student’s reactions seem excessive.
  • Teachers sometimes give up on a chronic, nonparticipating students who do not cause problems in the classroom. Be sure that these students are, in fact, nonparticipants and not potentially suicidal.
  • The selection of materials centering on ideas about death or dying, the uselessness or worthlessness of life, or matters relating to persons who have committed suicide should be viewed as warning signs for teachers – particularly if this occurs on more than one occasion.
  • Recognizing Possible Suicidal Behavior Out of the Classroom
  • These signs are likely to be observed in a student’s general behavior and do not necessarily mean that someone is considering suicide. They are warning signs and should generate attention.
  • There may be a noticeable decrease or increase in appetite with significant weight change, insomnia or a desire to sleep all of the time.
  • The young person may often appear sad and depressed and show signs of tension and extreme anxiety.
  • Behavior may include substance abuse, refusal to go to school, sexual promiscuity, running away, fighting, recklessness, purposely hurting one’s body, delinquency, preoccupation with revenge.
  • Distraught students are likely to have wide and unpredictable mood swings. Particular attention should be given to a sudden change in mood from depression to cheerfulness, as if the answer to the problem is now clear.
  • Statements might include references to feeling constantly hassled, under stress or unable to concentrate or rest properly.
  • Students who do not care about the future or have decided that they will not be around are likely to give away possession that they value.
  • All suicide threats and attempts should be taken seriously. At added risk are students who have threatened or attempted suicide before. In the latter case, the usual inhibitions against hurting themselves have been removed.
  • Losses of significant others are misfortunes that adults learn to handle. For developing adolescents, these events can be devastating and can overtax their current coping skills. Examples are death or divorce of parents, losing a close friend, breaking up with a steady, being cut from an athletic team.
  • Students who are substance abusers tend to be at higher risk for suicide. Heavy drug and alcohol users are likely to be depressed youngsters who are seeking relief. Eventually these substances stop working and, in fact, contribute to a greater depression. These substances also contribute to impulsive behavior which often leads to accidents and suicide.
  • A recent suicide in the family significantly increases the suicide risk of survivors for the following reasons: a) a pervading sense that they, too, are doomed to commit suicide; b) an unbearable grief, depression and/or guilt over the loss of a loved one; c) a fear of mental illness; and d) a realization that suicide presents an optional way out of an unwelcome and painfully unhappy life.

Do one thing…and then do another!

Want to help?

Many people want to help do something about suicide prevention, but may not know what to do. We have made it easy. Do anything on this “DO ONE THING” list and you will have made a difference for someone. Do them all, and maybe you can save a life.

  • Talk to a young person about suicide. Ask them if they have ever had suicidal thoughts.
  • Tell someone else about the Yellow Ribbon Program and ask them to tell someone.
  • Join our organization. A small amount of money can save a young life.
  • Write a letter to a Middle School, High School or College asking them to distribute Yellow Ribbon Information to students.
  • Contact a youth director at a church or synagogue and ask them to use the Yellow Ribbon Program.
  • Call a school principal and ask if they have a Yellow Ribbon Program.
  • Show the video “No More Tomorrows” to someone.
  • Give the video “No More Tomorrows” to a school, a church/synagogue or youth group.
  • Wear a Yellow Ribbon pin and explain what it is to everyone who asks.
  • Participate in Yellow Ribbon Week – check their website
  • Contact a member of the U.S. House of Representatives or U.S. Senate and ask them to sponsor National Yellow Ribbon Week
  • Contact your city or state government officials and ask when funding will be given for suicide prevention programs and tell them about the Yellow Ribbon Program.
  • Tell a survivor of suicide that you care. (Survivors are people who have lost someone to suicide or people who survive an attempt.)
  • Do something – now!       Thank you for caring….

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Feeling Sad, Stressed, Depressed? Important Numbers & Links To Prevent Suicide

Posted on 09 April 2018 by Monica Zech

Dear Friends,

Thank you for checking this posting.

Many of us have experienced the feeling of loss, sadness, depression, and stress…sometimes leading to thoughts of “suicide.”  The worst thing you can do is to drink alcoholic beverages – this will only make the problem seem bigger.  Alcohol is a drug – a depressant, thus making you depressed.

Please click on the following link for a story about “help” available in our County.  There is “hope” – and sometimes, by having a clear-rested mind, such as good nights sleep, the problem is not as bad as it first seemed.

National Suicide Prevention Lifeline, 1-800-273-8255

If you’ve had thoughts that “no one cares” – “wrong” – I care about you, and that’s why I’m posting this very important link.  There is hope – here are additional resources.

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Drug Abuse – Say NO To Drugs – Important Websites

Posted on 09 April 2018 by Monica Zech

Drug Abuse – Be Informed

You’ve heard the phrase “Say No to drugs” dozens of times.  But it’s so true!  I’ve seen drugs ruin lives – health – careers – families – relationships – lead to crime…the negative results are endless.  The opioid crisis is real!


Please be informed, check the following websites for important information:

With the passage of recreational marijuana use in California, see what has happened in Colorado since they passed the same law:

Exclusive: Traffic fatalities linked to marijuana are up sharply in Colorado. Is legalization to blame?

More important websites that can inform and help:


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Safe Driving Websites For Teen Drivers

Posted on 08 April 2018 by Monica Zech

Several important websites for teens and their parents in the area of driving safety:

One or more of these links will help in making your teen feel better about driving. I strongly recommend “not” doing “online” driver education.  The classroom setting is much more real and has a greater impact.

The following are some of my favorite websites in covering teen driving:

#1.  From the California DMV – great information about teen drivers:


#2. National Safety Council – Teen Driving & Parents


#3. Teen Drivers and Highway Design


#4. Insurance Information & safe driving tips:


Being 100% alert behind the wheel reduces your collision factor dramatically.  It’s distracted driving, impaired and aggressive driving kills and injuries.  In regards to speed – the faster we go – the less control you have, and less likely to avoid a collision.

If you’re are interested in a safe driving talk – please go to my contact section on this website, or email your request to

My passion is safety – thank you & be safe!


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The Real-Life Dangers of Texting and Driving!

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