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The Biggest Threats to a Healthy Home

Image by Free-Photos from Pixabay

By: Laura Fisher Kaiser

Originally Appeared Here:  HGTV

A healthy home comes under attack from several dangerous sources. Learn more about these threats to a healthy home and get healthy living tips.

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Water Intrusion

Be on the lookout for signs of a water leak or condensation: water stains that get bigger over time, musty odors, continually damp carpet, or beads of water or puddles on hard surfaces. When you do have water damage, thoroughly clean and dry carpets and building materials within 24 hours if possible, and consider replacing waterlogged items to eliminate the risk of mold.

If you suspect a problem (or better yet, as preventive maintenance), hire professionals to inspect for damaged shingles and siding, poorly connected plumbing and leaky pipes, and other moisture problems, such as inadequate vapor barriers. Mitigate the issues as soon as possible.

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Biological Contaminants

The EPA considers bacteria, molds, mildew, viruses, animal dander, cat saliva, house dust, mites, cockroaches and pollen all biological contaminants. Excessive moisture creates breeding grounds for these contaminants, so ventilate adequately and keep relative humidity between 30 percent and 50 percent to prevent condensation on building materials.

Regular household cleaning and maintenance go a long way toward limiting exposure. Change filters and have heating and cooling equipment cleaned and checked regularly by a professional; these systems can become not only breeding grounds for mold and other biological contaminants but also superhighways for dispersing them throughout the home.

If these methods don’t suffice, an indoor air-cleaning device may help an affected area. However, avoid ozone generators that are sold as air cleaners. The EPA warns: “Whether in its pure form or mixed with other chemicals, ozone can be harmful to health.”

Basements can be a particular trouble zone. The EPA recommends you clean and disinfect basement drains regularly and that you not finish a basement unless all moisture issues are abated.

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Mold

No one knows exactly how many homes have mold behind the walls, but the best current estimate is about 70 percent, according to Ronald E. Gots, M.D., Ph.D., of the International Center for Toxicology and Medicine. The EPA and World Health Organization state that some molds have the potential to cause health problems, particularly allergic reactions and asthma, in people who are susceptible.

To get rid of mold, scrub surfaces with detergent, preferably a water-based, VOC-free product like Microbloc dsinfx as opposed to bleach. Replace porous materials such as ceiling tile and carpet with non-porous or mold-resistant ones. If the mold damage covers more than 10 square feet, the EPA recommends hiring a professional.

Most important: Fix the underlying issue. “Mold is not the problem. It’s an indicator of a moisture problem,” says Kurt Salomon, president of the American Society of Home Inspectors. “You can get rid of the mold but if you don’t address the leaky pipes, high humidity and water intrusion, the mold will come back.”

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Dust and Respirable Particles

To cut down on household dust, declutter, reduce paper, eliminate smoking and regularly change or clean the furnace and air conditioner filters. Also, park your shoes at the door — two-thirds of all dust contaminants are tracked into the home from the outside.

To minimize the amount of dust kicked up during cleaning — especially if you are concerned about lead dust — wipe down floors with a damp mop, dust with a damp cloth and clean surfaces with a vacuum cleaner with a HEPA filter.

You probably don’t need to have your air ducts cleaned unless there is mold growing inside, they are infested with vermin or they are excessively clogged with debris. Duct cleaning costs between $400 and $1,000. The National Air Duct Cleaners Association cautions consumers against air duct cleaning companies that make sweeping claims about health benefits of their services and/or are not upfront about fees.

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Toxic Chemical Compounds

Even when present in very low, hard-to-measure concentrations, semi-volatile organic compounds (SVOCs) pose serious health risks — organ and nervous system damage and cancer included.

SVOCs are hard to avoid, as they are ubiquitous in our homes. Phthalate esters are colorless, odorless and used to make plastics soft and flexible, such as polyvinyl chloride (PVC). Polybrominated diphenyl ethers (PBDEs) have been widely used as flame retardants in furniture cushions, textiles, plastics, paints and electronic appliances. Naphthalene is the key ingredient in mothballs. Other man-made chemicals such as the dry-cleaning solvent known as PERC (perchloroethylene) and the blue, sweet-smelling liquid called TCE (trichloroethylene) that is found in spot removers and carpet-cleaning fluids are toxic to the brain and nervous system, and they are likely carcinogens.

You can minimize exposure in the home by using green cleaning methods. To protect woolens from pests, wash items and let them dry in the sun (which also helps get rid of mothball odor) before storing them with cedar chip sachets. Read labels before purchasing and avoid buying items that contain phthalates and PBDEs.

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VOCs

Thousands of household products — paints, paint-strippers, adhesives, MDF, carpet, glues, cleaners, fuels, degreasers and more — off-gas volatile organic compounds. These chemicals cause a number of health effects including eye, nose and throat irritation; headache; nausea; liver, kidney and central nervous system damage; and cancer.

According to the EPA, studies have found that VOC levels are two to five times higher indoors than outdoors. During and for several hours immediately after certain activities, such as paint-stripping, levels may be 1,000 times background outdoor levels.

There are many steps to reduce exposure. For example, replace vinyl wallcoverings with Cradle-to-Cradle-certified ones made with new polymers and water-based inks and coatings. If dry-cleaned goods have a strong chemical odor, which indicates a high concentration of the solvent PERC (perchloroethylene), do not accept them until they have been properly dried. Use non- or low-VOC paints, glues, epoxies, adhesives and building products. Even when using low-VOC products, ventilate the space with plenty of fresh air. Dispose of even small amounts you won’t use right away in an environmentally responsible way.

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Formaldehyde

Exposure to low concentrations of formaldehyde may cause eye, nose or throat irritation, rashes, breathing problems, nausea, asthma attacks and allergic reactions. And formaldehyde causes cancer in animals and humans.

The American Lung Association recommends you use furniture and pressed-wood board made with laminated surfaces because they release less formaldehyde. Allow plywood and other formaldehyde-containing materials to air out before you use them indoors. If possible, use non-toxic alternatives to formaldehyde-containing products like glue and adhesives. Ventilation is key, so open windows and use exhaust fans to bring in a fresh supply of air. Also, wash permanent-press clothing before wearing. Formaldehyde is used in the production of special fabrics.

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Carbon Monoxide and Other Combustion By-Products

You can’t see, taste or smell carbon monoxide (CO), a toxic gas produced by incomplete combustion of fuel-burning devices, and people often dismiss the symptoms of CO poisoning (headache, nausea, dizziness and confusion), which can be fatal. This “silent killer” accounts for an estimated 15,000 emergency room visits and 500 deaths a year.

“Carbon monoxide is an underappreciated risk, particularly during heating season when people don’t open windows as much to let in fresh air,” says Meri-K Appy of Safe Kids USA. “But there’s no other way to know you’ve got a problem unless you have a CO detector to let you know levels have reached a dangerous level.” If the detector sounds, evacuate your home immediately and call 911. And be sure to replace the battery when you change the time on your clocks each spring and fall.

According to the Chimney Safety Institute of America, the chimneys and connector pipes that serve oil and gas furnaces are subject to weathering, animal invasions, deterioration/rust-out and the accumulation of nest materials and debris. As a safeguard, have fuel-burning furnaces, stoves and fireplaces — as well as their connections and exhaust vents — inspected and serviced before each heating season. And never idle your car in the garage.

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Lead

Lead poisoning is the leading environmentally induced illness in children, according to OSHA. If you live in a home built before 1978, chances are it contains lead paint.

To protect you and your family, make sure there is no peeling or chipped paint. You can encapsulate lead paint by painting over it. If you must scrape or sand lead paint, wear a HEPA respirator, enclose the workspace with plastic, keep debris contained and “work wet” to minimize dust. Clean up with a HEPA filter vacuum and damp mop, and be careful not to track lead dust through the house.

Because it can be “tough for DIYers to follow all best practices,” Rebecca Morley, president of the National Center for Healthy Housing, recommends hiring a contractor certified in lead abatement. A new EPA regulation requires anyone working in homes built before 1978 to take an eight-hour lead safety certification course or risk a $32,000 fine. More than 500,000 contractors have been certified since April 2010, but it’s up to the homeowner to ask for proof of certification.

To find a lead sampling technician to do a dust test, including the soil around your house (a common source of lead), call the EPA’s lead hot line at 800-424-LEAD.

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Radon

Radon is a naturally occurring radioactive gas, which cannot be seen, smelled or tasted but is found in the dirt and rocks beneath houses, in well water and in some building materials. When you breathe radon, the sensitive cells in your airway get irritated, increasing the risk of lung cancer. Radon causes an estimated 20,000 lung cancer deaths each year, but it can take up to 20 years of exposure before one falls ill.

The U.S. Surgeon General and EPA recommend that all homes be tested for radon; even if the house next door to you tests low, your particular house could be at risk. Short-term tests take two days (often for real estate transactions), while long-term tests take about 90 days but give more accurate results.

If your house tests above EPA standards, a remediation professional can retrofit an exhaust vent from a suction pit underneath the foundation slab to the outside of the house. Costs range from $800 to $2,500. For more information, contact the EPA’s radon hot line at 800-55RADON (557-2366).

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Asbestos

Before 1985, asbestos was used in more than 3,000 construction products, from flooring and insulation to soundproofing for strength and flame-resistance. The government outlawed asbestos after it was discovered that the mineral fiber causes lung cancer and mesothelioma.

If you live in a home that contains mid-century vinyl floor tile, ceiling tiles or insulation, have a professional asbestos inspector test your home before you do any remodeling. Unless there is a need to remove or disturb the material, which would release asbestos fibers into the air, leave it alone.

In many cases, says the Resilient Floor Covering Institute, new flooring can be successfully installed over the existing. For material containing 1 percent asbestos that is friable — so damaged that it crumbles in your hand — it’s best to hire government-certified asbestos contractors to remove or encapsulate it.

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Fire

The National Fire Protection Association reports that of the 2,565 civilian deaths from home fires in 2009, almost two-thirds (63 percent) involved homes with non-working or non-existent smoke alarms. New code requires smoke alarms in every room, bedrooms being of most importance.

“If you have a fire, you need to know about it,” says Meri-K Appy, president of Safe Kids USA, who recommends having hard-wired, interconnected smoke alarms, “so that if fire breaks out in the basement and you’re two floors up sleeping, at the first moment the basement alarm goes off, all will go off.” Such alarms buy you precious time; it can take fewer than three minutes from the time a fire starts to the time of “flashover” – complete ignition of all gasses and combustible elements in a room.

She also notes that smoke alarms should be replaced every 10 years. That’s a good time to upgrade to either a hard-wired or wireless interconnected system. New technologies include ionization systems that react to fast-burning fires, photo-electric alarms that react quickly to smoldering fires, integrated carbon monoxide detectors and fire sprinklers, remote controls and smart-phone apps.

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Fire

The National Fire Protection Association reports that of the 2,565 civilian deaths from home fires in 2009, almost two-thirds (63 percent) involved homes with non-working or non-existent smoke alarms. New code requires smoke alarms in every room, bedrooms being of most importance.

“If you have a fire, you need to know about it,” says Meri-K Appy, president of Safe Kids USA, who recommends having hard-wired, interconnected smoke alarms, “so that if fire breaks out in the basement and you’re two floors up sleeping, at the first moment the basement alarm goes off, all will go off.” Such alarms buy you precious time; it can take fewer than three minutes from the time a fire starts to the time of “flashover” – complete ignition of all gasses and combustible elements in a room.

She also notes that smoke alarms should be replaced every 10 years. That’s a good time to upgrade to either a hard-wired or wireless interconnected system. New technologies include ionization systems that react to fast-burning fires, photo-electric alarms that react quickly to smoldering fires, integrated carbon monoxide detectors and fire sprinklers, remote controls and smart-phone apps.

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Shorts and Shocks

According to the Consumer Product Safety Commission, GFCIs have contributed “significantly” to the reduction of electrocution and severe electric shock incidents since their introduction in the early 1970s. The National Electrical Code requires GFCIs, an inexpensive device, for receptacles with proximity to water: outdoors, bathrooms, garages, kitchens, crawlspaces and unfinished basements, laundry/utility rooms, and pools and spas.

You should also take commonsense precautions when it comes to electricity. All electrical outlets and switches should be covered by faceplates. Use the right light bulbs in all lamps and lights. Check the wattage requirements by looking inside the fixture.

Only use household appliances in good working condition. All electrical appliances, cords and tools should be listed by a nationally recognized, independent testing laboratory, such as UL or ETL. Periodically check the Consumer Product Safety Commission’s list of product recalls to see if any of your appliances have been recalled for fire hazard or other issues.

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Slip-and-Trip Zones

Even a little clutter underfoot can be hazardous to your health, especially on stairs and in dark hallways. To prevent trips and falls, keep those areas clear and get rid of slippery scatter rugs.

“Lighting is also a big factor in falls,” says Meri-K Appy, president of Safe Kids USA, who recommends having lights at the top and the bottom of stairs. Also, don’t delay repairing loose treads and rails.

In the bathroom, grab bars in the bath or shower are a good idea for any age. Make sure throw rugs have rubberized mats or bottoms — in the bathroom and throughout the house.

The same rules apply outside. In the yard, shore up loose pavers and crumbling pavement, and make sure pathways and entrances are well lit.

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Photo By: Eric Isselee

Pests and Pesticides

As if vermin were not repellent enough, here’s a fun fact: When urine from rats and mice dries, proteins can become airborne and become potent allergens.

The Surgeon General and EPA advocate Integrated Pest Management (IPM), which uses commonsense strategies to reduce sources of food, water and shelter for pests and, when necessary, the judicious careful use of pesticides.

The US Green Building Council recommends a number of nontoxic strategies for keeping pests out of your home without endangering your health or the environment. These include planting landscaping at least 24 inches from the home, treating lumber and cellulose material with borates and sealing all cracks, joints and other entry points with fiber cement board or galvanized insect screen.

Avoid using mothballs, which contain carcinogens naphthalene and paradichlorobenzene. If you do use pesticides, mix or dilute the ingredients outdoors, and ventilate affected indoor areas well.

To discuss these risks and your home insurance policy, please call us at (317) 886-0081 or visit us on line at: Scott Lynch Agency

New Indiana Program Dedicated to US Military Members and Veterans

Veterans Honored in Indiana

You stepped up and answered the call by serving in our armed forces. Now Indiana wants you to be a Hoosier.

Next Level Veterans is your source for career training and a homebuyer program designed for active duty veterans and retired military personnel.

The Need

  1. More than 200,000 service men and women leave the military every year, and over half currently face a period of unemployment.
  2. There are 85,000 unfilled jobs in Indiana. Employers need people equipped with the skills and work ethic to get the job done.

 

 

 

INVETS

INVETS – More than a simple job board, INvets details the combination of career potential and the quality of the surrounding community. Indiana has communities to meet any need and every employer has unique characteristics and opportunities. Look around and you might just find the perfect combination for you.

NextLevel Jobs Indiana

NEXTLevel Jobs INDIANA – Next Level Jobs provides Hoosiers with free state-wide training in high-paying, in-demand industries. Next Level Jobs also provides Indiana employers with reimbursements up to $50,000 to train their employees in these high-growth fields.

HONOR OUR VETS

HONOR OUR VETS – In Indiana we truly honor our vets through a new program under Governor Eric Holcomb’s Next Level Veterans initiative. The Honor Our Vets program offered by the Indiana Housing and Community Development Authority (IHCDA) is specifically designed to keep and welcome qualified active duty, veterans and retired military personnel to the state.

Indiana Economic Development Association

Indiana Economic Development Association – Welcome to the Indiana Economic Development Association, the voice of economic development for Indiana. Made up of economic developers, utilities, attorneys, consultants, financial institutions, higher education professionals, engineers, architects and construction professionals, our members are passionately dedicated to attracting and retaining jobs for the great people of Indiana.

Northeast Indiana Regional Partnership

Northeast Indiana Regional Partnership – Uniting the region with a common mission and vision for Northeast Indiana ensures that as we develop strategies to build a globally competitive region and to support our mission to increase business investment.

Indiana Department of Veteran's Affairs

Indiana Department of Veteran’s Affairs – Since its establishment in 1945, the Indiana Department of Veterans Affairs (IDVA) has remained focused on aiding and assisting “Hoosier” veterans, and qualified family members or survivors, who are eligible for benefits or advantages provided by Indiana and the U.S. government. Indiana owes a great debt to its veterans, past and present, for their personal sacrifices and dedicated service. 75 Hoosiers (1 still living) have been awarded the Congressional Medal of Honor in testimony to their courage and sacrifices.

Visit Indiana

Visit Indiana – How do you choose what destinations to include in your next Indiana getaway? Start here with the Best of Indiana lists, as voted on by travelers just like you.

Indiana Department of Workforce Development

Indiana Department of Workforce Development – Indiana is committed to providing quality employment services to Veterans at our WorkOne Centers. Veterans go to the front of the line and each office has an onsite Veteran’s representative that assists with employment needs. All Veterans are encouraged to make contact with their local WorkOne Career Center for assistance.

Transition Time for Veterans (an interactive tool)

This interactive tool allows Veterans to estimate the preparation time required to transition from their military occupation to another one in Indiana. “Transition time,” while measured in weeks of academic, technical or vocational training, is a relative measure to provide an estimate of the relative time moving from one type of job to another. Find out more here.

How To Save Money On Auto Insurance

Photo by Alexander Mils from Pexels

We all are looking to find ways to save money. We don’t want to save money today by dropping coverages that we will need tomorrow. What is important and what are some ways to save money on auto insurance.

Watch this short video for a few options:

How to Save Money On Your Auto Insurance

Other things that can help with your auto insurance, in addition to what the video mentioned.

  • Good credit
  • Driving monitors for the first 90 days
  • Good grades
  • No lapse in coverage
  • Annual reviews of your policy with your agent
  • Vehicles with factory installed safety devices

Call us at (317) 886-0081 to discuss your options or go here and get a quote today: Get a Quote.

Please be safe out there!

Now THAT’S meal prepping! Mom-of-two chops up all her vegetables for the entire YEAR

Sophie Haslett For Daily Mail Australia

 21:36 EDT, 9 April 2019

Original Article

Now THAT’S meal prepping! Mum-of-two chops up all her vegetables for the entire YEAR – including 20kg of potatoes, 15kg of carrots and 10kg of onion

  • A mum of two and ex chef showed off her impressive frozen food prep
  • The working mum jokingly said she expects it to last the family ‘the next year’
  • She included 15kg of carrot, 20kg of potatoes, 15kg of sweet potatoes and more
  • The woman said she spent $80 on wholesale veg in order to prep the food

A budget-savvy mother-of-two has showed off her impressive freezer filled with frozen vegetables, which she intends to feed her family with for the next year.

The mum and ex-chef shared a snap of her giant freezer and her chopped vegetables in zip-lock bags, writing ‘Veg prep for what feels like the next year lol’.

Included in the selection was 15 kilograms of carrot, 20 kilograms of potatoes, 15 kilograms of sweet potatoes and more.’

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She wrote in a Facebook post: ’15kg of carrot: sliced, roast chunks and chopped.

’20kg of Sebago potatoes: roast chunks, sliced for potato baked and diced for mash.

’15kg of sweet potato: roast chunks, sliced for potato bake and diced for mash.

’10kg of onion: sliced, chopped and chunks for roast, onion rings.

‘2kg of zucchini: julienne and roast chunks.’

Her freezer also included one kilo of capsicum, sliced, two pumpkins in chunks and 10 kilograms of tomatoes, which she had diced.

The woman said she bought the vegetables wholesale for a total of $80.

The freezer post was a hit with others online, who wrote comments like: ‘Now that’s being organised’ and ‘Wow’.

Some questioned how the woman managed to find the time to carry out such a meal prepping feat, and she said ‘it helps that I used to be a chef’.

The mum said the reason why she did it is because she currently has ‘six adults and two kids’ living under one roof.

‘I do it so I don’t have to waste time every night chopping up veg for dinner, as we all work and I have uni and the two kids have after school sports,’ she said.

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Others asked whether the mum had ‘pre-cooked’ any of the vegetables before putting them in the bags in the freezer.

‘None of this is pre-cooked and the roast vegetables turn out great,’ the woman replied.

‘Just need to thaw out properly so I take it all out the night before. Diced up carrot and onion and that type of stuff is for slow cooker and spaghetti etc.’

She also said that onion doesn’t smell out a freezer, provided it is kept tightly locked in a zip-lock bag.

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Some in the Facebook group have been inspired by the mum to take on extreme meal prepping.

‘Thank you for sharing,’ one person wrote.

‘I was thinking I need to meal prep on a weekend because I work a 10-hour day and travel 45 minutes to and from work.

‘I am exhausted when I get home for hubby and two adult kids. This is a great way to be organised to eat healthier, love my veggies!

‘Just add meat for the main, will save you dollar on takeout and unhealthy alternative choices.’

 

Indianapolis Colts: The Exhibit

Indianapolis Colts: The Exhibit

Indiana Historical Society – Details HERE

450 West Ohio St. Indianapolis, IN 46202

Tel: (317) 232-1882

Mar 10, 2018 – Aug 10, 2019 10:00 a.m. to 5:00 p.m.

Since 1984, the Indianapolis Colts have captured the hearts and loyalties of central Indiana residents. Memorable players, inspiring coaches, heart-stopping games and two glorious stadiums have cemented the team’s place in the annals of Indianapolis history. Visit Indianapolis Colts: The Exhibit to celebrate the team while exploring football’s role in American culture through digital activities, player interviews, original artifacts, photographs and video of the Colts in action.

Discover how American football grew out of the rugby fields of Ivy League academies into the modern game loved by millions through sweeping changes brought about by the Industrial Revolution. Witness the Hoosier Dome and Lucas Oil Stadium’s rise into the Indianapolis skyline to redefine the city’s image as a championship town. Snap a picture with your favorite virtual Colts player and learn about their views on football, leadership and the NFL. Cast your vote for the best Colts player or the most memorable game moment and see how your choice compares to other fans. See the game through the eyes of officials by making a call on a real NFL play and find out if your decision matches the actual call. Relive the glory of the 2006 season and how the players and the coaches made it all possible. Scramble on the field as the Colts mascot Blue to juke and dodge oncoming tackles using your whole body. Explore the rise of the NFL and how it became the multibillion-dollar juggernaut it is today.

But most of all, connect with the story of the Colts and how they became a team that embodies the values, drive and heart of the city they call home.

Presented by: The Indianapolis Colts

Supported by: PLOW

Teen Driver Safety

As the parent of a Teen Driver you worry constantly. Did you properly prepare them for this huge step in their lives? Request our Parent-Teen Contract and sit down with your Teen Driver and go over it. This may be one of the most important kitchen table talks that you have with them. We will periodically send you other Teen Driver information to share with your young or future driver.

Visit HERE to request the Parent-Teen Contract.

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April is Tornado Awareness Month

April is Tornado Awareness Month. Do you know where to seek shelter during a tornado? Learn what to do before, during & after one hits.

Image by Jonny Lindner from Pixabay
Image by Jonny Lindner from Pixabay

Tornadoes

Tornadoes can destroy your home, your business, buildings, flip cars, and create deadly flying debris. Tornadoes are violently rotating columns of air that extend from a thunderstorm to the ground. Tornadoes can:

  • Happen anytime and anywhere;
  • Bring intense winds, over 200 MPH; and
  • Look like funnels.

 IF YOU ARE UNDER A TORNADO WARNING, FIND SAFE SHELTER RIGHT AWAY

  • If you can safely get to a sturdy building, then do so immediately.
  • Go to a safe room, basement, or storm cellar.
  • If you are in a building with no basement, then get to a small interior room on the lowest level.
  • Stay away from windows, doors, and outside walls.
  • Do not get under an overpass or bridge. You’re safer in a low, flat location.
  • Watch out for flying debris that can cause injury or death.
  • Use your arms to protect your head and neck.

HOW TO STAY SAFE WHEN A TORNADO THREATENS

Prepare NOW

  • Know your area’s tornado risk. In the U.S., the Midwest and the Southeast have a greater risk for tornadoes.
  • Know the signs of a tornado, including a rotating, funnel-shaped cloud; an approaching cloud of debris; or a loud roar—similar to a freight train.
  • Sign up for your community’s warning system. The Emergency Alert System (EAS) and National Oceanic and Atmospheric Administration (NOAA) Weather Radio also provide emergency alerts. If your community has sirens, then become familiar with the warning tone.
  • Pay attention to weather reports. Meteorologists can predict when conditions might be right for a tornado.
  • Identify and practice going to a safe shelter in the event of high winds, such as a safe room built using FEMA criteria or a storm shelter built to ICC 500 standards. The next best protection is a small, interior, windowless room on the lowest level of a sturdy building.
  • Consider constructing your own safe room that meets FEMA or ICC 500 standards.

 Survive DURING

  • Immediately go to a safe location that you identified.
  • Take additional cover by shielding your head and neck with your arms and putting materials such as furniture and blankets around you.
  • Listen to EAS, NOAA Weather Radio, or local alerting systems for current emergency information and instructions.
  • Do not try to outrun a tornado in a vehicle.
  • If you are in a car or outdoors and cannot get to a building, cover your head and neck with your arms and cover your body with a coat or blanket, if possible.

Be Safe AFTER

  • Keep listening to EAS, NOAA Weather Radio, and local authorities for updated information.
  • If you are trapped, cover your mouth with a cloth or mask to avoid breathing dust. Try to send a text, bang on a pipe or wall, or use a whistle instead of shouting.
  • Stay clear of fallen power lines or broken utility lines.
  • Do not enter damaged buildings until you are told that they are safe.
  • Save your phone calls for emergencies. Phone systems are often down or busy after a disaster. Use text messaging or social media to communicate with family and friends.
  • Be careful during clean-up. Wear thick-soled shoes, long pants, and work gloves.

Associated Content

 

Who’s ready for some Final Four action?

Who’s ready for some Final Four action?? Who do you think will win it all?

Tigers🐯

Cavaliers💂

Raiders💀

Spartans💪

*** Emoji your Final Winner Favorite ***

2019 Final Four

STUDY: ONE THIRD OF AMERICANS LIE ON AUTO INSURANCE APPLICATIONS

 

Most people agree that honesty is the best policy, but when it comes to filling out insurance applications, many consumers are willing to fudge the truth to get a better rate. According to a study from finder.com, an estimated 35 million Americans have lied on an insurance application.

Almost one in three (29 percent) of the people who have lied on an insurance application have done so for car insurance. That amounts to 10.2 million Americans who were willing to lie to get the best coverage for the road.

Following car insurance, false information is most likely to appear on applications for health insurance (22 percent), life insurance (21 percent), income protection insurance (8 percent), travel insurance (7 percent), home and contents insurance (7 percent) and pet insurance (5 percent).

More men lie than women, but women are more likely than men to lie on an application in five of seven categories: health insurance, income protection insurance, travel insurance, home and contents insurance and pet insurance. Men lead women when it comes to lying on car insurance and life insurance applications.

“Taking creative liberties on your insurance application may seem like an innocent white lie, but it’s actually considered fraud, and the repercussions can be serious. If found out you may be charged a higher premium, denied a policy or even charged with fraud, requiring you to pay a fine or even do jail time,” said Finder’s consumer advocate Rachel Dix- Kessler.

There are numerous ways to save money on car insurance. Let us help you with saving money on your car insurance. Call us at (317) 886-0081

 

Original Article