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									                                      HAIW NEWS

  Volume 1                                    Focus: Today – Tomorrow                     January 2011

                                  From the President’s Desk

Shopping, decorating, signing and mailing holiday cards all contribute to the busy ―Holiday Season‖. One
holiday activity that our members look forward to every year is our Holiday Dinner Meeting. With 49
members and guests attending this year at Adams Mill, the banquet room was filled with spirit, laughter
and song. John and Heidi Cerrigione played and sang beautiful holiday tunes. The room was festively
decorated and the food was spectacular. Thank you to all our vendors who brought so many beautiful raffle
gifts. Thank you Carole LaMarre from United Cleaning and Restoration who made all the centerpieces that
were raffled and the little holiday gift bags. Thanks to Helena Thomson for all the little Santa chocolates at
each place setting.

Nothing gets us in the holiday spirit more than GIVING. Our collection for the Klingberg Family Center in
New Britain was again a success. Thanks to Ginny Spencer, Community Chairperson, who made sure that
each gift was wrapped with love and distributed to the center.

We incorporated another joyous occasion at the meeting as we sang a special Happy Birthday song to
Esther Longey. Her birthday was December 13 th , the day before our meeting. Happy 93 rd Birthday to

Our January meeting will be held at Lucky Lou’s in Wethersfield with Warren Ruppar from IIAC as our

Please think about chairing a committee or helping with a committee for the upcoming year. Also, we will
need volunteers to help on the ―Industry Night committee coming up in April.

I wish all our members and their friends and families a very Happy, Healthy, and Prosperous New Year!

In Fellowship,

Sa ndi
Sandi Tilley
President of Hartford Association of Insurance Women
       In this Issue                     Page
President’s Message                        1
In this Issue                              2
Calendar of Events                         3
Top 10 Reasons to join NAIW               4
New Members                                5-6
2011 Board Members                        7
This Month’s Meeting                       8
Community Service                         9-10
Safety Committee                           11-14
Education                                   15-20
Help Wanted                                 21
Committee Information                     22-23
Fundraisers                                 24
NAIW Conference                            25
New Year Superstitions                     26-27
Advertisers                                 28-29

            January Dinner Meeting
              Tuesday January 11, 2011

                  222 Main Street
                  Wethersfield, CT
                 Calendar of Events for 2011

Mark your calendars and plan ahead for all our exciting dinner meetings for 2011.
Please try to attend the meetings so you can experience the fellowship, education,
and leadership that HAIW has to offer.

January 11, 2011-Monthy Dinner Meeting

February 8, 2011-Monthly Dinner Meeting

March 8, 2011-Monthly Dinner Meeting

April 12, 2011 Industry Night

May 10, 2011 Installation of Officers
     What to give a prospective member or dinner meeting

#1. Professional Development—NAIW offers professional development through classes presented by instructors and online;
through webinars, seminars and workshops; and through leadership opportunity.

#2. Professional designations—NAIW offers its members two professional designations. CPIW/CPIM (Certified Professional
Insurance Woman or Certified Professional Insurance Man and DAE (Diversified Advanced Education) help our members show
their commitment to professionalism and learning.

#3. Local Association Meetings—NAIW offers flexibility to its members by providing membership at the international and local
levels. Members can attend local association meetings for an additional feeling of belonging; but if travel or their location prevents
them from being able to join as a local member they can join NAIW (International) as a Member at Large.

#4. Website—NAIW’s new website allows members to log onto the website for valuable information and a list of educational
courses. It also offers a great way for members to communicate with each other.

#5. ―Today’s Insurance Professional‖—NAIW’s quarterly magazine offers exceptional articles on timely topics affecting our
members, our industry and our employers.

#6. Annual Conferences and Conventions –NAIW offers its members an opportunity to attend conferences at Council (State),
Regional and International levels with other insurance professionals outside of their local association. The conferences offe r
educational opportunities through keynote speakers, CE classes, seminars and workshops. Leadership opportunities are available
through serving on committees.

#7. Discounts on IIA/ CPCU Materials —NAIW, through their partnership with IIA/ CPCU, can offer members a 10% discount on
course materials for IIA/ CPCU classes.

#8. Directory of Members—NAIW offers members contacts and resources through other NAIW members across the country

#9. Networking and Relationships—Networking opportunities and relationships the members form are invaluable personally as
well as professionally.

#10. Career Center—The Career Center provides employers with access to insurance professionals and gives members a location to
post their resume’ for the next steps in their career.
Membership Committee
Carole Kelley- Committee Chairperson

                                                HAIW Memberships

                       HAIW has 82 members and we are looking to add more members

    1.   Remember there is a $25 Gift Card Reward waiting with your name on it for every person you recruit .

    2.   Don’t miss our 50% off application fee! As of 1/1/2011, the annual NAIW (International) and Local Association
         (HAIW) fees of $123.00 are reduced by 50%. Since our term goes 7/1/2010 to 6/30/2011, every January
         membership dues are reduced from $86.00 NAIW (International) to $43.00 and local dues $37.00 HAIW to
         $18.50 for total of $61.50!

Call or email me if you would like an application for a New Member. I also have New Member applications with me at our
2nd Tuesday of the month business dinner meetings. See me for an application.

 Thank you!
 Carole Kelley

                         Always looking for new members!
Membership Committee Cont.
Carole Kelley- Committee Chairperson

One of our newest HAIW members is Regen O’Malley. She is an Attorney at Halloran & Sage LLP in Hartford,

I am pleased to share Regen’s bio with you.

Attorney O'Malley defends insurers and agents against both contractual and extra-contractual claims. She also
counsels insurers regarding coverage and represents insurers in the defense and prosecution of declaratory judgment
actions in coverage disputes. Her experience includes commercial general liability, professional liability, business
property, umbrella, homeowners, and automobile insurance policies.

As a member of the firm's Appellate Law and Advocacy Practice Group, Regen has handled numerous appeals
both in the Connecticut Appellate and Connecticut Supreme Court as well as in the United States Second Circuit
Court of Appeals. She has handled appeals ranging from civil rights and insurance-related actions to those involving
construction defects and legal and medical malpractice.

Regen is currently serving as Secretary for the Connecticut Bar Association's Insurance Law Section and is a
member of the CBA's Appellate Advocacy Committee and the Hartford County Bar Association's Bench Bar
Committee. She is also serving a three-year term on the Board of Directors of the YWCA of New Britain.

Regen’s achievements have been recognized not only by her colleagues and clients, but also by Super Lawyers
Magazine, where she was named as a New England Rising Star in 2009, 2010 and 2011.

Regen resides in Glastonbury, CT with her husband and two-year-old son.

Contact information:

Regen O'Malley
Halloran & Sage LLP
One Goodwin Square
Hartford, CT 06103-4303
Telephone: 860-241-4083
Fax: 860-548-0006
                               2011 HAIW BOARD

                                         COMMITTEE CHAIRPERSONS
Sandi Tilley, ACSR, CPIW,
President                                Valerie Bonderman                Budget & Finance
Lucy Albetski, CPCU, ACSR, CPIW,
VICE PRESIDENT                           Michele Redman               Education, Bylaws and Standing Rule s

Cindy Grocki                             Carole K. Kelly, CIC, AAI, ACSR,
Treasurer                                CPIW                         Membership
KRISTEN ST . JOHN                        860-633-8942
Secretary                      Carolee LaMarre
860-494-4916                             Newsletter-Editor
Arlene J. Firtion, CPIW, DAE             860-349-2448
Director & Horizon Plan                      Ginny Spencer
860-524-7649                             Community Service
Silva A. Abadjian, CIC, ARM, CPIW,       860-494-4943
Director                Janet Scavilla
860-756-7309                             InVest & Scholarship
Erin Cannata                             860-524-7654
Director                     Silva A. Abadjian, CIC, ARM, CPIW,
860-547-8168                             Legislative/Historian

                                         Donna Daniolos, AIS

                                         Carol Lindquist, AAI
Public Relations

                     January Dinner Meeting
                            Tuesday, January 11, 2011

     Location: Lucky Lou’s
               222 Main St.
               Wethersfield, CT 060109
               Phone – 860- 257- 0700

     Time:       5:15            Class or Networking
                 6:00 – 7:00     Dinner
                 7:00 - 8:30     Speaker/Dinner Meeting

     Class:      Our class will be Tax planning for 2011 with Nicolas Roy

     Program: Warren Ruppar, President of the IIAC, will speak on current legislative issues in

     Dinner:     Buffet.

     $28 Member / $30.00 Non-Member/Guest

     Name:       __________________________________________________
     Company: __________________________________________________
     Address:    __________________________________________________
     E-mail:     __________________________________________________
     Phone #:    __________________________________________________
     Guest(s) of:          __________________________________________________

     Please reserve NO later than Thursday, January 3, 2011
   Please note that if you sign up for dinner and do not attend you are responsible for
   the cost of your dinner.

   To reserve: mail reservation to TD Insurance C/O Lucy Albetski 100 Great Meadow Rd.
   Wethersfield, Ct 06109
   Email address Phone # 860-263-1733
   All checks should be payable to HAIW and mailed to Lucy Albetski. We would appreciate
   receiving your check prior to the night of the me eting to make check-in easier for the
   Program Committee. Thank you!

Community Activities
Chairperson-Ginny Spencer

We would like to thank everyone for their participation in the Klingberg Family Christmas gift giving event.
It was a huge success with gifts for 68 children. The gifts were dropped off on Thursday 12/16/2010 by
Sandi Tilley, Carole Kelly and Ginny Spencer. The New Horizons Domestic Violence Shelter is located in
Middletown for women and women with children. It provides safe housing, basic needs, counseling,
advocacy and basic independent living skills training for the entire Middlesex County. More than 1,400
were provided services free of charge last year.

                     At our January meeting we will be collecting items for this shelter.

Bath & hand towels (new or used in good condition) *
Wash clothes
Laundry detergent, fabric softener, dryer sheets
Socks – women and children’s
Baby wipes, bottles, sipping cups
Hand & body lotion, body wash & hand soap & sanitizer
Lysol Spray
Over the counter medicine
Ziploc bags/Food containers
Non-Perishable Food Items
Bus passes – Middletown area
Destina Movie Passes (Middletown)

 Note: If you have Bath towels not in good condition they can be donated to Protectors of Animals (bring
the clean towels to the meeting).
  Sandi Tilley, (President) Carole Kelly, (Membership) and Ginny Spencer (Community
Chairperson) delivered all the gifts collected by members and co-workers. Peter Burke,
(Administrator) and Marci (Assistant Administrator) were there to thank us for all the beautiful gifts
and to assure us that the children will be thrilled to receive them. This is truly the "Spirit of

Please contact Ginny Spencer at 860 494-4943 or at if you have any questions or

Community Activities Cont.
Chairperson-Ginny Spencer

We would like to thank everyone for their participation in the Klingberg Family Christmas gift giving event.
It was a huge success with gifts for 68 children. The gifts were dropped off on Thursday 12/16/2010 by
Sandi Tilley, Carole Kelly and Ginny Spencer.

The New Horizons Domestic Violence Shelter is located in Middletown for women and women with children.
It provides safe housing, basic needs, counseling, advocacy and basic independent living skills training for
the entire Middlesex County. More than 1,400 were provided services free of charge last year.

At our January meeting we will be collecting items for this shelter.

Bath & hand towels (new or used in good condition) *
Wash clothes
Laundry detergent, fabric softener, dryer sheets
Socks – women and children’s
Baby wipes, bottles, sipping cups
Hand & body lotion, body wash & hand soap & sanitizer
Lysol Spray
Over the counter medicine
Ziploc bags/Food containers
Non-Perishable Food Items
Bus passes – Middletown area
Destina Movie Passes (Middletown)
 Note: If you have Bath towels not in good condition they can be donated to Protectors of Animals (bring
the clean towels to the meeting).

Please contact Ginny Spencer at 860 494-4943 or at if you have any questions or

Safety Committee
Donna Daniolos- Committee Chairperson

                         Safe Food Handling

       USDA’S Meat and Poultry Hotline Presents the Top 10 Reasons to Handle Your Food Safely

In 2010, USDA’s Meat and Poultry Hotline began its 25 th year as a toll-free public service.
Consumers with food safety questions may call the hotline any time (the staff is available from
10 a.m. to 4 p.m. Eastern Time; recorded messages are available other times) with questions on
the safe handling of meat and poultry products.

In honor of the hotline’s 25th anniversary, the staff presents its ―Top 10 Reasons to Handle
Your Food Safely.‖
NUMBER 10: Safe food handling practices are the ones most likely to preserve food’s peak

Keeping hot foods hot and cold foods cold inhibits growth of the microorganisms that can spoil
your food or make you ill. Storage at the proper temperature also retains the fresh appearance,
pleasant aroma and agreeable texture that contribute so strongly to an enjoyable dining

NUMBER 9: Safe food handling lets you enjoy to the fullest the nutritional benefits of food.

If you’ve taken the time to carefully select a variety of healthful foods, why not use them up – or
properly preserve them for long-term storage – while nutrient levels are at their peak? Foods
that must be discarded due to decay or temperature abuse nourish no one.

NUMBER 8: The safest ways to handle food are usually the most efficient.

Don’t take chances in the name of saving time. Thawing meat and poultry products at room
temperature and partial cooking are examples of practices which can seem like good ideas, but
that may actually encourage bacterial growth by keeping food in the ―Danger Zone‖ (40-
140F.) where bacteria multiply fastest. In the case of bacteria that produce heat resistant
toxins, this becomes a problem that further cooking can’t fix.

NUMBER 7: Safe food handling is easy. You set a good example for others, including your

You are the last person to handle your food before it is eaten. You may be the last person to
handle food before it is served to your family or friends. Take charge! Prevention of illness may
be as simple as washing your hands – an often-neglected but VERY important act.

NUMBER 6: Safe food handling inspires confidence and keeps peace in the family.

Imagine: No more family feuds because someone handled dinner in a questionable fashion. And
family and friends won’t call the Meat and Poultry Hotline begging to have food safety literature
mailed to your address!

NUMBER 5: Safe food handling can enhance your standing in the community.

Food for a concession stand, bake sale or church supper must be carefully prepared. Many of
those in your community are very young, elderly, or suffering from health problems that affect
the immune system. These folks are at increased risk for food borne illness. Protect their health
and the reputation of your organization.

NUMBER 4: Safe food handling is the responsible thing to do.

Those for whom you prepare food deserve the best, and you expect no less from those who
produce and prepare food for you. You are no less important than the manufacturer,
government regulator, or grocer in assuring food safety. You are an important link in the farm-
to-table chain.

NUMBER 3: Safe food handling saves money.

Food borne illness costs billons each year in health care costs and lost wages. It’s hard to throw
away food you know has been mishandled. But compare the cost of the food to the cost of a
bad case of food poisoning, starting with the doctor’s bill!

NUMBER 2: By handling food safely, you will spare yourself and your family from a painful
bout of illness.

Bacterial, parasitic or viral illness caused by food is no fun, and it can have long-term

Should we fear food? No. Microscopic organisms have always been and will always be an
important part of our world. But we must store foods properly, cook them thoroughly and keep
our hands and work areas clean. Sometimes, what you can’t see can hurt you.

Which brings us to the …


Safe food handling really does make a difference. Where do you start? Learn more. USDA’s
Meat and Poultry Hotline can answer your food safety questions. Just call 1-888-
MPHOTLINE (1-888-674-6854) – Toll-free Nationwide, or 1-800-256-7072 (TDD/TTY).
Safety Committee Cont.
Donna Daniolos- Committee Chairperson

                       Internet Crime Complaint Center

                   Data, Tools, and Resources for Enforcement Professionals

The Internet Crime Complaint Center (IC3) is an alliance between the National White Collar
Crime Center (NW3C) and the Federal Bureau of Investigation (FBI). IC3’s mission is to
address crime committed over the Internet. For victims of Internet crime, IC3 provides a
convenient and easy way to alert authorities of a suspected violation. For law enforcement and
regulatory agencies, IC3 offers a central repository for complaints related to Internet crime, uses
the information to quantify patterns, and provides timely statistical data of current trends.
. Provides a central point for Internet crime victims to report and to alert an appropriate
agency on-line at
. Collects, reviews, and refers Internet crime complaints to law enforcement agencies with
jurisdiction to aid in preventive and investigative efforts.
. Identifies current crime trends over the Internet.

. Provides an analytical repository for Internet crime complaints.
. Analyzes and refers all fraudulent activity identified on the Internet to the appropriate local,
state, or federal law enforcement authority.
. Aids in the development of law enforcement training to address identified Internet crime
. Serves as the catalyst that allows law enforcement and regulatory agencies to network and
share data.
. Potentially reduces the amount of economic loss by Internet crime throughout the United

           To file an Internet crime complaint, visit the IC3 Web site at

Michele Redman

Financial planning, retirement planning, making the most of employee benefits, money,
wills….these are topics that our members frequently want to hear more about. In conjunction
with Somnio Financial Group, a small independent firm will cover these topics in a series of pre-
dinner meeting seminars from 5:30-6:00 pm on the following dates:

January 11th: Tax Planning for 2011. Instead of looking back at 2010, what can we do to better
prepare for our 2011 taxes?

February 8th: Wills, Medical Powers, Living Wills, Healthcare representative. Who needs what,
when and why?
March 8th: Making the most of Employee Benefits for your next enrollment period

Our speaker will usually be Nicholas Roy, who may also be joined by partners Rob or Joe
depending on the topic. Nicholas Roy has a degree in business from UCONN and began his
career in financial services at Ameriprise Financial, quickly rising to their Advanced Advisor
Group. Nick recently obtained the designation of Chartered Retirement Planning Counselor
from the College for Financial Planning. He is also active in a number of nonprofits. Nick and
his wife Jennifer, have two daughters, Taylor and Alivia.

Somnio Financial Group, from a Hartford Business Journal article in 2009:

―When most people envision the prototypical financial adviser, the image of a 50-year-old gray-
haired math guru is the common perception.

But a local trio of 20-somethings (Nicholas Roy, Joe Covill and Robert Roy) is looking to
break that mold and make a name for them in an industry dominated by individuals twice their
age. Joe Covill, one of the three partners, said one of the advantages of being younger is that
they will be around when their clients are ready to retire. ―Older planners will be retiring the
same time their clients are,‖ Covill said. ―We have an advantage because we are still going to be
around to see our clients through their retirement. That means we can help them make
adjustments to their financial plan along the way.‖

Robert Roy said most of the financial services industry is transactional-based, meaning advisers
receive a commission for selling individual products from a company they represent or work for.
Somnio’s independence, on the other hand, allows it to sell products from a variety of
companies. Somnio advisers also don’t receive commissions but instead earn fees from the
assets they manage. As a result, the wealthier their clients get, the more money they earn.‖

Education Cont.
Michele Redman

                      NAIW CPIW and CPIM Requirements

Certified Professional Insurance Women and Certified Professional Insurance Man Designations

NOTE: CPIW/M Applications are processed on the third Monday of each month. Applications
received after this date will be processed the following month.

Eligible Programs and Requirements:

  NAIW Membership. Membership in NAIW for a minimum of two years for those joining before
January 1, 1990, and three years for those joining on or after January 1, 1990 (does not have to be
  Industry Employment. Employment in the industry for a minimum of five years.
   Educational Achievement. Completion of the two following educational requirements for
courses from NAIW Programs and for courses from Industry Educational Programs:

NAIW Requirements

1. The following individual courses, alone, will satisfy the NAIW (International) Educational
Requirements for the CPIW/M Designations
(for those joining on or after July 1, 1994).

Underw riting for Non-Underw riters                              Leadership Savvy
Rules of the Road                                                Advanced Communication Skills
How to Be a Best Seller                                          Leadership Development
Mentors and Protégés                                             Local Association Leadership Training
Confidence While Communicating

OR combine one of the follow ing 4-hour courses w ith any six from the I Can! Series or the 2-hour Conflict Resolution
                                                                 E&O Hotspots
                                                                 Ethics: Shades of Black & White
Let’s Talk Coverage: A Case Study Approach to                    LTC: 101
Homeow ner’s Insurance Coverage                                  New Math: Education IRA$
Three Steps to E&O Risk Management                               Personal Umbrella
S.P.A.R.K. (Sales Proficiency and Relationship                   Risk Management Process: An Overview
Know ledge)                                                      Tax Free Income: Roth IRA$
Life and Health Insurance Basics                                 The Facts of “Life”
I CAN! Series courses:                                            What’s Up DOC?
Business As Un-Usual                                             Wheels of Misconception

All programs must be conducted as a class and w ill not be accepted as self study, w ith the exception of Rules of the
Road, How to Be a Best Seller and Underw riting for Non-Underw riters w hich are available as self study.
Education Cont.
Michele Redman

Other Industry Educational Programs                      From LOMA:
2. One of the following industry                         All designations
                                                         From Insurance Educational Association:
educational programs:
                                                         Certified Professional Disability Management (CPDM)
From American Institute for CPCU:
                                                         From American Educational Institute:
Chartered Property Casualty Underw riter (CPCU)
                                                         All designations:
From Society of CLU:
                                                         Senior Claim Law Associate (SCLA)
Chartered Life Underw riter (CLU)
                                                         Casualty Claim Law Associate (CCLA)
From Insurance Institute of Canada:
                                                         Property Claim Law Associate (PCLA)
Associate Rank (AIIC)
                                                         Workers’ Compensation Claim Law Associate (WCLA)
From Life Underw riter Training Council:
                                                         Fraud Claim Law Associate (FCLA)
Fellow ship (LUTCF)
                                                         Fraud Claim Law Specialist (FCLS)
From Health Insurance Association of America:
                                                         Auto Claim Law Specialist (ACLS)
Group Life and Health Insurance
                                                         Legal Principals Claims Specialist (LPCS)
Health Insurance Associate (HIA)
                                                         Casualty Claim Law Specialist (CCLS)
Managed Healthcare Professional (MHP)
                                                         Property Claims Law Specialist (PCLS)
From International Claims Association:
                                                         Workers’ Compensation Claim Law Specialist (WCLS)
Associate in Life and Health Claims (ALHC)
                                                         Automobile Claims Law Associate (ACLA)
Fellow Life and Health Claims (FLNC)
                                                         From the Insurance Institute of America:
From Society of Actuaries:
                                                         Certification in General Insurance (INS 21, 22 & 23)
Associate Rank
                                                         Associate in Reinsurance (ARe)
From National Alliance:
                                                         Associate in Fidelity and Surety Bonding (AFSB)
Certified Insurance Counselor (CIC)
                                                         Associate in Risk Management (ARM)
Certified Insurance Service Representative (CISR)
                                                         Associate in Management (AIM)
Certified Risk Manager (CRM)
                                                         Associate in Insurance Accounting and Finance
From Casualty Actuarial Society:
Associate Rank
                                                         Associate in Personal Lines (API)
From Professional Liability Underw riting Society:
                                                         Associate in Insurance Services (AIS)
Registered Professional Liability Underw riting (RPLU)
                                                         Associate in Surplus Lines Insurance (ASLI)
From Assn of Average Adjusters:
                                                         Associate in Claims (AIC)
Full Membership
                                                         Associate in Loss Control Management (ALCM)
From Int’l Foundation of Employee Benefits Plans:
                                                         Associate in Underw riting (AU)
All designations
                                                         Associate in Premium Auditing (APA)
From National Association of FIC:
                                                         Accredited Advisor in Insurance (AAI)
Fraternal Insurance Counselor (FIC)
                                                         Associate in Information Technology (AIT)
From The American College:
                                                         Associate in Marine Insurance Management (AMIM)
Registered Health Underw riter (RHU)
                                                         Associate in Research and Planning (ARP)
From National Association of PIA:
                                                         From Society of State Filers:
Certified Professional Service Representative (CPSR)
                                                         CCP, formerly know n as Certified State Filer (CSF)
From Independent Insurance Agents of America:
                                                         From Society of CPA’s:
Accredited Customer Service Representative (ACSR)
                                                         Certified Public Accountant (CPA)
From Insurance Brokers Association of Canada:
                                                         From The National Underw riter:
Canadian Accredited Insurance Broker (CAIB)
                                                         Commercial Lines Coverage Specialist (CLCS)
From Academy for Healthcare Management:
                                                         Personal Lines Coverage Specialist (PLCS)
Fellow of Academy for Healthcare Management
                                                         Group Benefits Disability Specialist (GBDS)
                                                         From The Int’l Risk Management Institute:
From Central Insurance, Inc.:
                                                         Construction Risk and Insurance Specialist (CRIS)
Professional in Account Management (PIAM)
                                                         Management Liability Insurance Specialist (MLIS)
                                                         Other Designations:
                                                         Registered Nurse (RN)
                                                         License Practical Nurse (LPN)
                                                         Juris Doctorate (JD)
Education Cont.
Michele Redman

Education, one of the cornerstones of NAIW, is critical to the success of every insurance professional. Continual
professional growth is required as our ever changing industry focuses on expanding expectations of regulatory agencies,
legal and customers. During times of economic flux individual performance expectations are modified to meet the
synergies needed for corporate success.

How many times during your career have you "reinvented” yourself? How many of us have grown through positions,
stepping up for opportunities and challenges that provided rewards and recognition? Critical to our ever expanding roles is
education. As a member of NAIW, The Association of Insurance Professionals, you have resources and partners for
improving your professional skills.

NAIW offers continuing insurance education, leadership development and professional skills courses. Courses that are
new or recently updated include:

· Professional Ethics – Not Just for Agents

· Life & Health Insurance Basics

· S.P.A.R.K.

· All of the I Can! Series

  o Business As Un-Usual: Insuring the Home Based Business

  o E&O Hotspots: Don't Get Burned

  o Ethics: Shades of Black & White

  o Long Term Care: 101 (new)

  o New Math: Education IRA$

  o Personal Umbrella: Rain or Shine!

  o Risk Management Process: An Overview

  o Tax-Free Income: Roth IRA$

  o The Facts of Life (new)

  o What's Up DOC? Drive Other Car Coverage

  o Wheels of Misconception

· 30 Minutes to More Successful Negotiations

· Business Etiquette

· Managing Stress
· Confidence While Communicating

· Conflict Resolution

· Facilitation 101 (formerly Instructor Certification)

Two CE courses, Let's Talk Coverage: Case Study Approach to Homeowner's Coverage and Three Steps to E&O Risk
Management, are currently being reviewed and will be updated by the end of the year.

Do you know that the Director of Products and Education will file NAIW CE programs for approval wit h any state
Department of Insurance for locals, councils and regions? Under Education and Training>Course Offerings>Continuing
Education Courses find the field entitled - Click here to download a copy of the CE Request Form along with the
requirements. CE Requests must be submitted via email at least 90 days prior to the course offering.
Check the NAIW Home Page for the "Idea of the Week regarding Education during the month of October!
                    Employment Opportunities

SH Smith & Co. Inc., 20 Church Street, Hartford, CT. 06013 has an opening for a
Workers Comprehensive Customer Service Representative. Please contact Cindy
Bruce at
                         Hartford Association of Insurance Women
                                  2011 Committee Descriptions

                                           WE NEED YOU!
Committees are the ―backbone‖ of HAIW. You’ll find the networking opportunities and your ability to make a
difference in the future of the HAIW very rewarding! Here are 10 reasons to sign up today!

1.   Continued Networking

2. It will introduce you to new friends.

3. It will create fun.

4. It will provide you with a deeper awareness of HAIW’s value to you.

5. It will provide leadership opportunities.

6. It will boost your visibility.

7. You’ll sharpen your business skills.

8. It doesn’t require a huge time commitment.

9. You will expand your professional horizons.

10. You’ll feel good about it!
                              Hartford Association of Insurance Women
                             2011 Committee Description and Signup Form

The committees meet on a monthly basis.

Note: If you choose to sign up for more than one committee, please number them in order of preference.

________ COMMUNITY RELATIONS COMMITTEE: Planning and implementation of community activities that support the
HAIW mission. Actively seeks opportunities to promote HAIW to the public.

________ MEMBERSHIP COMMITTEE: Contact perspective members by phone or email to invite them to join. Call or email
members for renewals. Track/update member’s directory.

________ PUBLIC RELATIONS COMMITTEE: Public Relations Committee-In charge of advertising the assoc via newspaper
articles, radio ads, etc. Provide photos for Assoc scrapbook. In charge of HAIW awards -Rookie of the Year, Insurance Prof of the
Yr, Claims Prof of the Yr, Risk Management Prof of the Yr, Prof Underwriter of the Yr.

________ HISTORY COMMITTEE: Research articles for the monthly newsletter.

________ NEWSLETTER COMMITTEE: Submit and edit articles for monthly newsletter.

_______ _ LEGISLATION COMMITTEE: Keep members informed on up to date insurance legislation issues.

________ EDUCATION COMMITTEE: Provides classes for members

________ SAFETY COMMITTEE: - Keeps members informed on safety issues.


 Phone:______________________________________ Fax: _____________________________________

 Email Address (REQUIRED) _________________________________@____________________________
Please see our board member list for the contact of each committee.

We will have these forms at the tables for our January Dinner Meeting.

                           HAIW IS LOOKING FOR MEMBER

                                   FUNDRAISER IDEAS!

                      Do you sell……………………………

                                           Mary Kay
                                         Pampered Chef
                                      Trinkets & Treasures

Do you or do you know of any members who are interested in hosting a fundraiser
for HAIW members? Ask Sandi for additional information!

                        REGION I 2011 Conference
                              April 7th – 10th 2011
                           Crowne Plaza Valley Forge

          Come and support REGION I RVP Debbi Kuhne

                          Crowne Plaza – Valley Forge

                                   260 Mall Blvd.
                                 King of Prussia, PA
                                   610 265 7500
                               New Year Superstitions

People across the globe trust in certain superstitions related to New Year's Day. The underlying idea behind
most of these superstitions is that events occurring on New Year's Day sets the pattern for the rest of the
year. According to customs prevalent in their society, people perform auspicious acts to invite Lady Luck and
ward off evil. Given here are some of the most astonishing and popular New Year Superstitions:

Wear New Clothes
People believe that one should wear new clothes on a New Year's Day. This would mean receiving more new
garments during the year. Red clothing is preferred for New Year's Day since red is considered a happy color
and is sure to attract for the wearer a brighter future.

Avoid Crying
It is said that one should avoid breaking things or crying and wailing on the first day of the year, if you don't
want to continue the pattern for the entire year.

Be Polite
People say that one should behave nicely on New Year and must refrain from using foul language. Ghost
stories and conversations on death should also be avoided.

Lucky New Year Babies
Babies born on 1st January is said to be the luckiest of all throughout their lives.

Don't Let Money Leave the House
In several countries, people do not let money, jewelry, precious items or other invaluable things leave home
on New Year Day. Hence it is said that one should not pay loans and bills or lend things to anybody. People go
to the extent of not taking out garbage or even not dusting their carpets on this day to ensure that nothing
goes out of home during the year. If you have to deliver presents on New Year morning, it is advised to leave
them in the car since New Year Eve on December 31st. In case you must take something out from the home,
let someone come with the present inside the home first.

Letting the Old Year Out
At midnight, all the doors of a house must be opened to let the old year escape unimpeded.

Stack Up Cupboards and Wallets
It is believed that cupboards stocked up with food and wallets and pu rses full of money bring prosperity in
New Year. Similarly, empty pockets or empty cupboards on New Year’s Eve portend a year of poverty.
Do not Wash Dishes
In several societies washing dishes and doing laundry on New Year's day is said to lead to a deat h in the
family during the year. Many people do not even wash hair on New Year day.

Do Token Amount of Work
It is said that one must do token amount of work on the New Year's Day. This is said to ensure advancement
in career. But starting out a serious work project is unlucky on New Year Day.

Make Noise
People believe that Evil One and his attendants and servants hate din and loud noise. So, scare them away
by being as loud in New Year celebrations as possible. Church bells are rung at midnight for the same reason.

Don't Keep Debts
Pay your bills and loans before New Year Eve, so you don't have any debt left for New Year.

Eat Black-Eyes Peas
In Southern part of the United States it is said that eating of black-eyed peas on New Year's Day will attra ct
both general good luck and money in particular to the one doing the dining.

Kiss at Midnight
It is believed that kissing at midnight ensures that affections and ties will continue throughout the New Year.
On similar lines, it is said; to not do this would be to set the stage for a year of coldness.

First Footing
One must never leave the home before someone comes in first. First footer in the house should be ushered in
with a warm welcome and should not have flat feet, cross -eyes or eyebrows stretching out to meet in the
middle. It would be even better if he came bearing certain small gifts.

The Direction of Wind
The direction of wind during sunrise on New Year morning prophesies about the coming year. Wind from south
foretells fine weather and prosperous times ahead while wind from north foretells bad weather. Wind blowing
from east foretells natural calamities and wind from west foretells plenty of milk and fish for all but death of a
person of great national importance. No wind means joy and prosp erity throughout the year.

Dance in the Open Air
To dance in the open air, especially round a tree, on New Year's Day ensures luck in love and prosperity and
freedom from ill health during the coming twelve months.

Find Future Groom
On New Year's Day if, on rising, a girl should look out of her bedroom window and see a man passing by, she
may reckon to be married before the year is finished.

Drain the Bottle
You could ensure yourself good fortune by draining the last dregs from a bottle of drink on N ew Years!
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    We are available for all kinds of emergency                       (860) 289-3927
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                                                                          RI Office
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