Monthly Safety Tip — July

 

 

 

Fireworks are the embodiment of Independence Day. Yet, the thrill of fireworks can sometimes lead to dangerous consequences –– on average, 230 people visit the emergency room every day during the month surrounding July 4 with fireworks-related injuries. If fireworks are legal in your community, please heed these safety tips to keep your holiday festive and injury free.

 


  • Obey all local laws regarding the use of fireworks.
  • Know your fireworks; read the cautionary labels and performance descriptions before igniting.
  • A responsible adult SHOULD ALWAYS supervise firework activities. Never give fireworks to children.
  • Alcohol and fireworks do not mix.  Save your adult beverages for after the show.
  • Wear safety glasses when using fireworks.
  • Light one firework at a time and then quickly move away.
  • Use fireworks OUTDOORS in a clear area; away from buildings and vehicles.
  • Never relight a “dud” firework.  Wait 20 minutes and then soak it in a bucket of water.
  • Always have a bucket of water and charged water hose nearby.
  • Never carry fireworks in your POCKET or shoot them into METAL or GLASS containers.
  • Do not experiment with homemade fireworks.
  • Dispose of spent fireworks by wetting them down and place in a metal trashcan away from any building or combustible materials until the next day.
  • FAA regulations PROHIBIT the possession and transportation of fireworks in your checked baggage or carry-on luggage.
  • Report illegal explosives, like M-80s and quarter sticks, to the fire or police department.

 

And let’s not forget the safety of our pets!


  • Don’t bring your pets to a fireworks display, even a small one.
  • If fireworks are being used near your home, put your pet in a safe, interior room to avoid exposure to the sound.
  • Make sure your pet has an identification tag, in case it runs off during a fireworks display.
  • Never shoot fireworks of any kind (consumer fireworks, sparklers, fountains, etc.) near pets.

 

For more firework safety tips, click here.

Just as regular wellness checkups are critical for maintaining your health, routine safety checkups are critical for the safety of your home.  Use ESFI's handy Electrical Safety Checkup list to ensure that you can identify and correct potential electrical hazards around your home before an electrical fire or incident can result.  

Regularly check the vitals of your home, and encourage your friends and loved ones to do the same!

Visit the National Electrical Safety Month section of the website for additional resources and suggestions for facilitating a local electrical safety awareness campaign.

Give Your Home an Electrical Safety Checkup

- See more at: http://www.esfi.org/resource/give-your-home-an-electrical-safety-checkup-227#sthash.9sl7XxPG.dpuf

Just as regular wellness checkups are critical for maintaining your health, routine safety checkups are critical for the safety of your home.  Use ESFI's handy Electrical Safety Checkup list to ensure that you can identify and correct potential electrical hazards around your home before an electrical fire or incident can result.  

Regularly check the vitals of your home, and encourage your friends and loved ones to do the same!

Visit the National Electrical Safety Month section of the website for additional resources and suggestions for facilitating a local electrical safety awareness campaign.

Give Your Home an Electrical Safety Checkup

- See more at: http://www.esfi.org/resource/give-your-home-an-electrical-safety-checkup-227#sthash.9sl7XxPG.dpuf

Just as regular wellness checkups are critical for maintaining your health, routine safety checkups are critical for the safety of your home.  Use ESFI's handy Electrical Safety Checkup list to ensure that you can identify and correct potential electrical hazards around your home before an electrical fire or incident can result.  

Regularly check the vitals of your home, and encourage your friends and loved ones to do the same!

Visit the National Electrical Safety Month section of the website for additional resources and suggestions for facilitating a local electrical safety awareness campaign.

Give Your Home an Electrical Safety Checkup

- See more at: http://www.esfi.org/resource/give-your-home-an-electrical-safety-checkup-227#sthash.9sl7XxPG.dpuf

Monthly Safety Tip — April

Credit Cards — What you don’t know CAN hurt you!

Credit cards are necessary in today’s world. Used responsibly, credit cards can be helpful in an emergency and for establishing a credit history. Yet all credit cards are not equal. In recognition of “Financial Literacy Month,” here are some tips on using credit wisely.

Just Say “NO”

Credit card company representatives will compete for your business by handing
out T-shirts, coffee mugs, CDs and other enticements. Such incentives may appear attractive, but before you sign anything, read the fine print in the credit contract. Ask yourself if having the credit card is worth the incentive. In many cases, it is not.

Be Aware of “Teaser” Rates

Credit card companies sometimes offer low introductory interest rates to attract new customers. These rates typically last for only a few months and then jump as high as 20 percent, so it’s important that you carefully compare offers from several different issuers before selecting a card.

Stick with One Credit Card

Just because it’s easy to apply for multiple cards doesn’t mean you should. This is especially tempting when department stores offer you discounts on purchases if you apply for a credit card. It’s easier to manage one credit card and pay off only one bill at the end of the month. Besides, even just applying for multiple credit cards can hurt your credit rating. Also, using one credit card to pay off another is a dangerous practice that should be avoided.

Pay in Full Every Month

Get in the habit of paying the balance in full each month, which means don’t charge more than you can pay off at the end of the month.

Pay on Time

Send the credit card payment several days in advance of the due date to allow for mailing time. Late penalties are costly and some companies will increase the interest rate after one or two overdue payments.

Pay Online

Take advantage of online bill-paying or check services that most banks and credit unions have. These services allow you to schedule payments in advance and will automatically pay your bills when due. You can schedule recurring payments to ensure that you never will have to pay late fees.

Protect your Credit history

As soon as you start using a card, the payments — whether paid on time, late or not at all — become part of your credit history. A poor credit history can affect your ability to rent an apartment, get a job or buy a car or house. What’s more, the mark stays on your credit record even if the bill is later paid.

Don’t Exceed the Credit Limit

This helps avoid penalties and ensures that you will have credit available in the event of a true emergency. A $2,000 credit limit doesn’t mean you can afford to carry a $2,000 balance.

Review Statements Carefully

Immediately inform the credit card company of any discrepancies or errors on your monthly statement.

Report a Lost or Stolen Card Immediately

Keep a copy of your credit card account number and the financial institution’s name and customer service telephone number in a convenient place in case your card is lost or stolen.

Avoid Cash Advances

Be aware that the interest rate on cash advances can be much higher than the rates charged on purchases.

Protect Personal information

Never provide your credit card number unless you make a telephone, mail order or online purchase. If you receive a call from someone who says he or she represents your credit card company and needs your credit card number or security code to verify your account, hang up. Likewise, if you receive an e-mail requesting you click on a link so as to verify your account, do not click on the link and delete the e-mail. No legitimate credit card issuer will directly request such information by phone or e-mail. Also, never let anyone else use your credit card and don’t charge purchases for other people.

Learning how to use credit wisely will help you avoid serious credit problems.

For more information, please visit http://www.calcpa.org/~/media/public%20resources/files/dollars%20and%20sense/dsmain.pdf?la=en.

Used with permission by and appreciation to: A joint project of CalCPA Institute and the American Institute of Certified Public Accountants, www.calpca.org/FLC