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SEPTEMBER 15, 2003
Dividends
Edited by Toddi Gutner

Yoga for Highfliers

Crowded airports and cramped airplane seats make air travel anything but relaxing. To help alleviate the stress, Airplane Yoga (Riverhead Trade, $13) illustrates 35 hatha yoga exercises to do in long security lines, in flight, or at the baggage claim. Here are examples:

-- HEAD TWIST AND NECK TILT: Lean your elbow on the meal tray and put your chin in your left hand. Lean your head into your hand so your head tilts to left. Take five deep breaths.

-- BELLY TONER: Sit up straight in chair with feet on floor. Inhale and lift both feet a few inches off the floor without slouching and draw the inside edges of your legs and feet together. Exhale to release feet back to the floor.

-- EMERGENCY DOOR LEAN: Stand with feet under hips, pointed straight ahead. Inhale, and fully extend arms overhead. Lower left arm, exhale, and lean to your left. Don't allow back to overarch. Inhale back to center.


College Coverage

If your kids are heading off to college, especially for the first time, you probably need to fine-tune your insurance coverage. Your auto premiums should drop if your child doesn't take a family car to school, assuming the college is more than 100 miles away. For students with cars on campus, notify your insurer of the new location. If it's out of state, make sure you comply with that state's laws for minimum coverage. If your child has at least a B average, ask for a good-student discount.

For a child living in a dorm, your homeowner's policy may cover personal belongings up to 10% of your own contents coverage. If you need more, you can purchase a rider. Students in off-campus housing will need renter's insurance for property and liability. Roommates often can share a policy.

Your health insurance covers unmarried children who are full-time students up to age 20 to 25, depending on the insurer. If you're in an HMO, make sure the college is within your service area. When your children reach the age limit, or get married, they qualify for COBRA coverage through your employer.

By Larry Armstrong


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Handy Hanger

It's the best-looking hardware for hanging any gadget from your belt, body, or bag. Rivet from Roadwired.com is a system of aluminum and stainless-steel fasteners for handheld computers, phones, and cameras. The starter set, with a belt clip, is $30; the $40 "Power Broker" lets you hang items from your neck and dashboard.

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