Tuesday, January 30, 2007

What is a Living Will, and Why You Should Inquire about One Today

Modern advancements in medicine have made it possible for us to live longer than ever before. While these advancements have substantially extended our lives, such an extension may not be desirable because it may lower our quality of life and result in a loss of our dignity. Since all competent adults have the right to make their own medical decisions, you may want to tell your doctor now not to take heroic or extraordinary means to prolong your life in the future if you become ill and there is no hope for your eventual recovery. You can do this by preparing a living will.

“What is a living will?”

A living will is a legal document in which you direct your doctor to withhold or withdraw life-sustaining treatment, whose only purpose is to prolong your dying process, if you are in a terminal condition or a state of permanent unconsciousness.

“Who can prepare a living will?”

You can prepare a living will if you are of sound mind and are at least 18 years of age, or have graduated from high school, or are married. You must sign your living will in the presence of two witnesses who are both at least 18 years of age.

“What medical treatment can I refuse in my living will?”

You can refuse all medical treatment including but not limited to cardiac resuscitation, artificial feeding, blood, kidney dialysis, antibiotics, surgery, diagnostic tests, and mechanical respiration. You can, however, direct your doctor to administer only treatment that will keep you comfortable and alleviate your pain.

Also in your living will, you can designate another individual, known as your surrogate, to make medical decisions for you if you are unable to do so yourself.

“When does my living will become operative?”

Your living will becomes operative when you or another individual provides a copy of it to your doctor, and your doctor determines you to be incompetent and in a terminal condition or state of permanent unconsciousness. At that time, your doctor has to act in accordance with the instructions outlined in your living will. If your doctor cannot in good conscience follow the instructions in your living will, your doctor must inform you or your surrogate of this fact. At that time, your doctor is required to assist you in finding another doctor who will comply with the instructions in your living will.

“Can I revoke my living will?”

Yes. You may revoke your living will at any time and in any way without regard to your mental or physical condition. Revocation is effective at the time it is communicated to your doctor by you or by a witness to the revocation.

“If I do not have a living will, will my doctor continue to order treatment to prolong my dying process?”

Not necessarily. Your failure to prepare a living will will not raise any presumption as to your intent to consent to or refuse life-sustaining medical treatment. In fact, in one Pennsylvania case, the court permitted a close relative with the consent of two physicians to remove life-sustaining treatment from the patient who had no living will and was in a persistent vegetative state.

“Can my doctor refuse to treat me if I do not have a living will?”

No. Your doctor cannot require you to have a living will as a condition to provide treatment to you. Also, your doctor cannot charge you a different fee for providing treatment to you if you do not have a living will.

“If I have a living will and am involved in a serious accident, will emergency medical personnel refuse to treat me?”

No. Emergency medical personnel will provide any and all treatment necessary to save your life. Your living will does not apply until it becomes operative, i.e., your doctor determines you to be incompetent and in a terminal condition or in a state of permanent unconsciousness.

In summary, a living will lets you decide now what medical treatment you want in the future if you become incompetent and are in a terminal condition or a state of permanent unconsciousness. It helps to eliminate uncertainty regarding your desire for specific medical treatment, and provides guidance to your doctors and family members. Failure to prepare a living will may cause increased stress on your loved ones who are left to decide the proper medical treatment for you.

Feeling Secure at Home-Preparing for Natural Disasters


We have experienced some weather extremes in the last year throughout many areas of the country. There has been unprecedented drought while others have experienced flooding like they have never faced before. Places like San Francisco suffered from one of the hottest summers on record while the south experienced extreme drought for several months. There were numerous tornadoes throughout the midwest over a two to three day period. While weather extremes exist and will exist the weather seems to have affected all of us adversely to some extent this year.

With these weather extremes many people have taken notice and made preparations to protect themselves, their family and their property while many have not. Simple steps can be taken to help protect oneself prior to or during emergencies. All families should have an emergency plan and a disaster or emergency kit along with a supply of tow to three days of water. Everyone should consider a weather alert radio as necessary as a smoke alarm. These radios can alert you of impending disasters such as tornadoes or floods along with many other warnings. Many companies sell these products.

All families should have these products. Companies have developed Emergency Survival kits that are made for all natural and manmade disasters. They contain items that are essential during an emergency such as flashlights, emergency blankets, rain ponchos, an emergency radio, manual can opener, an all purpose tool and many other necessities to handle almost any type of emergency. Almost all are packaged for easy transport with space left for storage of essential items like medication, bottled water, and copies of important documents that can be stored in the waterproof document containers that are included in many kits. While these kits range in price from $50.00 to $200.00 they are priceless when needed.

The other item every household should have at least one of, is a weather radio. They range in price from $30.00 to $150.00 depending on the complexity one desires. They can be life savers during the night or during power outages due to their battery backup ability.

The bottom line is with the weather as strange as it has been in the past couple of years everyone needs to become more aware of the dangers they can be faced with and take every available precaution to ensure their safety as much as possible.

Sunday, January 28, 2007

Special Considerations for Emergency Kits

When building your 72 hour kit, it is important to include the necessary food, water, shelter, first aid, light, warmth, etc. In addition to these essentials, some special considerations should be made. For example, babies and small children, elderly, and those with special medical needs may require additional items. Money, important documents, or phone cards can also be very helpful during an emergency. These items should be considered when preparing a 72 hour kit.

Money or Phone Cards. You may have an unusual situation where you might be forced to evacuate your home in the middle of the night or leave with just a few minutes notice. You may not have time to gather everything you may need, including money. The amount of money you include in your 72 hour kit is up to you. As little as 35 cents for a phone call could be enough, or you might need as much as $100. When deciding how much money you should add, take into consideration your surroundings, your family members and what type of disasters are possible in your area. We recommend at least $20.

If you include a phone card, remember to check the expiration date. Some phone cards do not have expiration dates to worry about.

Important Documents and Irreplaceable Items. After a disaster such as a flood, an earthquake, a fire, or a hurricane there are certain documents or valuables you will want. Insurance papers, wills, birth certificates, wedding certificates, phone numbers and credit card cancellation information could be very valuable afterwards. Other items such as family history papers, photographs, family heirlooms, etc. are also important and you might consider putting copies in your 72 hour kit.

Babies and Small Children. Babies and small children require different preparation than adults. If you have a baby, you might consider adding a bottle, diapers, formula, an extra blanket or warm clothes, a pacifier, small toys, or other items to your 72 hour kit. These items may not seem important now, but if you are forced to leave your home with a baby for more than a few hours, you will soon be grateful they are included in your 72 hour kit.

Elderly. Just as babies and small children have special needs, so might elderly men and women. Items such as special medication, extra warm clothes, special dietary foods, dentures, an extra pair of glasses, extra batteries for hearing aids etc. should be considered when building your kit.

Special Medical Needs. Special medical needs are very important to remember when building your 72 hour kit. If you or one of your family members is diabetic, you may want to include the insulin and other accessories needed. Other items such as extra asthma inhalers or prescribed medication should be included if you or one of your family members requires it. Also consider your family members who are physically handicapped. They might need extra assistance or special accessories.

Stress Relievers. Emergencies can be very stressful situations. Games, books and toys will help relieve some of this stress. Consider your family, their ages, and the kinds of things they like to do. Ideas to include: card games, jacks, small puzzles, harmonicas, yo-yos, hard candy, small toys, picture books and easy to read books, travel size games, paper and pencils or coloring book and crayons. Be creative; your family will appreciate it during that stressful time when they want something to do. Stress relievers benefit everyone in an emergency.

Everyone is unique and has different needs. Having insulin for a diabetic in your 72 hour kit can be as lifesaving as having the basic food and water. When you assemble your 72 hour kit, think about who you are making it for and be resourceful and creative.

Outdoor Cooking Tips

Cooking out in the open is a great way to enjoy the outdoors. It is also a wonderful way to prepare your family for emergencies by learning how to cook without electricity. Cooking outdoors can vary from elaborate Dutch-oven meals to simple tinfoil dinners. But cooking and eating outdoors takes some knowledge and preparation. With that in mind, here are a few tips and ideas that can help make your outdoor cooking experience a good one.

First, decide what you will use to prepare your outdoor meal. Will it be a gas powered camping stove, an open fire, charcoal briquettes or some other method? Before you decide how to heat your meal, be sure to check any local restrictions in your camping area. Are open pit fires allowed? If not, you may need to bring a camping stove or some other alternative cooking method.

If open pit fires are allowed and you plan on using one, be sure to only build fires in designated fire pits. If there are no designated fire pits, find an open area away from low hanging branches, miscellaneous groundcover, and dry vegetation. Clear a ten-foot circle around the area where you will build a fire and then create a fire bed or fire pit. Fire beds can be made of rocks, silt, clay, sand or any other non-flammable materials available. A small pit, approximately 4 to 10 inches deep can serve quite well as a fire bed. Surrounding your pit with small rocks can provide an extra layer of protection.

Second, set up a cooking fly. An old tarp or heavy fire-resistant blanket strung between two trees, poles, or walking sticks can provide protection from the elements for your cooking area. Always face the fly away from the wind. This will provide maximum protection from unexpected wind, rain, sleet or snow. Be sure to dig your fire pit about ten feet in front of the fly, far enough from the fire that sparks won't harm the fabric, but close enough that you can step beneath when weather is bad.

If you will be using a camp stove, be sure to plan ahead. You will need to pack more fuel than your stove will carry, unless your trip is very short. Be sure to pack flammable fuels in high quality metal containers and always mark them to keep them separate from drinking water and other liquids. Also, be sure that fuel containers are airtight so that there is no leakage of fuel or fumes. Any leaks might prove disastrous later on. Store extra fuel far away from your cooking area. This will provide extra safety and peace of mind.

You may want to bring a small table or some wooden blocks to put your stove on. Many stoves have their own stands, but others will need to be kept off the ground and away from potentially flammable materials.

When lighting your stove, be sure to follow the manufacturer's recommendations. Never use a stove in or near a tent. Never open fuel containers on or near a hot stove, and never try to refuel a stove that is hot or still burning.

Third, whether you are cooking with a stove or an open fire, it might not be a bad idea to locate your cooking area 30 or 40 yards downwind from any tents or shelters in which you will sleep. Curious animals might be attracted by the smells of your food and you don't want them sniffing around your tent at night.

Fourth, remember to properly cook your food. To ensure yourself a successful foil dinner, follow these steps. First, make sure you use two layers of heavy foil and use tight folds to trap the moisture inside. Make sure that you cook on charcoal or the hot coals of a wood fire, never on flames. Occasionally turn over the foil packet to cook evenly and prevent burnt food. Remember, every foil dinner needs a source of moisture like onion slices, soup or salad dressings, seasoning sauces, butter, vegetable stock, or a spoonful of water. Cooking depends on the amount of heat in the coals, but a good average is fifteen to twenty minutes for hamburger, at least twenty minutes for chicken, and longer for solid meats like steak. Use caution because cooking too long can burn or char the food, but undercooking can become a health hazard. Check one meal before pulling out the other meals if you are cooking more than one. Hard veggies will take longer to cook.

Fifth, be sure to leave the camp area in better condition than you found it. Before pulling up camp, thoroughly douse your fire, mix it around with a stick or shovel, and then douse it again. Refill your fire pit or scatter your fire bed. When you are all packed up, scan the area to make sure that nothing is left behind.

We hope this article has helped you to know how to cook safely outdoors. It is always a good idea to learn alternative cooking methods and ways to prepare food while camping or even in an emergency.

Sleep When the Wind Blows

A farmer needed an extra hand to help on his farm. One young man came to interview for the job. "What are your qualifications?" the farmer asked. "I can sleep when the wind blows," the young man said. This simple reply confused the farmer, but he was desperate for help and the young man was hired.

The young man was a diligent worker through the harvest season, but the farmer still questioned his answer.

Autumn ended and the first cold storm of winter came late one night. The farmer panicked as the winds began to blow. Calling the young man for help, the farmer grabbed his coat and pulled heavy boots on his feet. He was disappointed to find the young man asleep in bed at a time like this. Grudgingly he ventured out alone planning to shuffle all of the animals in the barn and then fix that last hole in the roof. He mumbled about the young man sleeping and was sure all the farm equipment was left standing in the field, collecting rust from the snow.

However, when the farmer reached the barn all the animals were tucked safely inside. In fact, clean hay had already been set out for the new day. Not a single hole could be found in the roof, and the tractor was parked perfectly in the shed.

"Who could have done it?" the farmer wondered. And then, he realized what the young man's answer meant, "I can sleep when the wind blows."

Recently, Homeland Security Secretary Tom Ridge and U.S. Fire Administrator David Paulison published the following:
"WHAT SHOULD YOU DO?"

"Have on hand three days’ worth of water and food, an emergency supply kit for both home and automobile, radios with extra batteries..."

"Make a plan for contacting family members in an emergency..." (CNN, February 11, 2003)

We are also instructed by FEMA and other preparedness organizations to prepare for 72 hours (or three days). Why three days? In most crisis situations, much of the real suffering occurs immediately following the disaster. Generally, it takes three days for disaster relief agencies to assist those in need. That is why it is recommended to have at least a 72 hour kit. Your 72 hour kit should meet the needs of your family.

A good resource to help your family prepare is the Family Preparedness Plan DVD or video.

By preparing yourself and your family for an emergency, you can feel confident that you are better able to handle the unexpected. Just like this young farmhand, you too can sleep when the wind blows.

72-Hour Food Planning

A crisis or emergency is a high stress time for everyone. It is especially important to have high energy foods available during these times. Food that is high in calories (even empty calories) is recommended for these times. If you plan ahead, you can have meals that are not only high in energy, but also nutritious.

You can live several days without food if you have water to drink, but you won’t be very comfortable when you are used to eating three meals a day plus snacks. Besides the nutritional benefit you gain from the food, there is also a positive psychological benefit of doing things the way you did before a disaster. Eating three meals a day will help make the stressful time seem more like normal.

Food will probably be provided at an emergency shelter for you and your family, but government officials and relief agencies usually take 72 hours to get set up. You have the responsibility to be self reliant and plan your own meals for those three days. Foods that are lightweight, compact, and require little preparation are the most suitable for your 72 hour kit. Since an emergency situation is not the time to try out new and unusual foods that your family is unaccustomed to, you should try out your emergency foods before you need them. Whenever possible, stick to simple tastes that you are used to. Consider these possibilities:

Stress Foods

Foods that provide sugar energy and are comfort foods are good ones to pack in your 72 hour kits. These types of food include chocolate, hard candy, dry sugar cereal, fruit bars, etc. In high stress situations your body requires a higher caloric intake, not just nutrition. For those who can’t eat sugar, pack alternative high caloric food such as peanut butter, dried fruit, and sugar-free candy.

Compressed Food Bars

Compressed food bars include granola bars, trail bars, and high calorie food bars that are sealed for long term storage. These are lightweight, nutritious, and high in calories, making them a good choice for your 72 hour kit.

Survival Drink Mixes

These types of drink mixes are high in protein, vitamin and mineral content, such as protein drinks, diet drinks, and survival drink mixes. These should be just-add-water-mixes, so you must remember to store extra water just for mixing these drinks. Remember that any diet drink mixes you include should be high in protein and not just for weight loss.

Trail Mixes

Trail mixes can be made of ingredients such as granola, raisins, nuts, seeds, dried fruit, or chocolate chips. They are very tasty and full of energy and nutrition. You can make your own trail mix to accommodate your family’s taste, but be aware that it could become rancid if you try to store it for a long period of time. Storing trail mix in your refrigerator or freezer is a good way to preserve its shelf life.

Dried Foods

Dried foods, such as fruit and meat (jerky) are excellent additions to your 72 hour kit. They are tasty, nutritious and satisfying, and they can make up a part of a meal.

Freeze-Dried Foods

Freeze dried foods are probably the best tasting, most “normal” things you can pack in your 72 hour kit to supply you and your family with a “real” meal. They are lightweight and easy to prepare, but require extra water and some cooking. Plan ahead by storing the water that you need and a way to heat it.

Instant Soups, Meals, & Milk

Instant soups and meals, (such as cup of noodles, cup of soup, and instant mashed potatoes) are a great way to supplement meals for three days. They are lightweight and easy to pack in your 72 hour kit. Instant milk is a good way to make sure you get the calcium you need. These items also require additional water to use.

MRE’s (Meals ready to eat)

MRE’s, designed for the military, are the easiest meals you can put in your 72 hour kit. They have an incredibly long shelf life (up to 10 years when stored at temperatures below 70 deg. F) which makes them an easy solution for a 72 hour kit. MRE’s also do not require cooking, water, or any preparation. For more information on MRE’s see the Insight article entitled MRE- Meals Ready to Eat.

Snack Foods

Snack foods are an essential part of a 72 hour kit. If you eat snacks during normal times, you will want snacks during emergencies too. Plus snacks are a good way to help relieve the stress of emergency situations. You can store snack-packs of cheese and crackers, packages of crackers or nuts, or peanut butter snacks. MRE snacks are a good way to store snacks because they can be stored for 5 or more years and they taste good.

For Babies or Toddlers

If you have a nursing baby, you should pack formula in case you aren’t able to nurse because of shock or stress. Include both powdered formula and liquid formula in case water is not available to mix the powdered formula. Include baby food for an older baby or toddler. Instant cereal, fruits, and vegetables are a good choice. Remember to store extra water to reconstitute these items, and to update your 72 hour kit as your baby grows.

Saturday, January 20, 2007

Emergency Financial Planning

Mounting debt is perhaps one of the most trapping situations and greatest deterrents to getting ahead financially in today's world. If you, like many other people in America, find yourself encumbered with too many bills and feel like you are drowning in them, what can be done?

First of all, don't run away or try to hide from your creditors. Make a list of everyone you owe, how much, and the monthly payment and date each bill is due. Contact your creditors if you can't make your payment on time. Sometimes you can negotiate lower payments by refinancing an existing loan. However, do not add another loan amount to it! A refinanced loan may take a little longer to pay off, but will give you more "breathing room" meantime. Experts warn against consolidating smaller bills into one giant one because it will take you much longer to pay off this type of loan. In any emergency financial situation, it is wise to consult with an expert.

One of the best ways to get out of debt is to stop using credit cards. Then pay them off as soon as possible. They are beneficial should you need to rent a car or encounter an extreme and rare emergency; otherwise avoid using them at all costs.

Always pay your home mortgage bill before it lapses into 30 days past due.

If you get behind 30 days or more on even one payment to your mortgage company, it triggers a black mark on your credit report that may jeopardize obtaining a loan on future home purchases.

Other money-saving tips:

Shop grocery sales (buy one; get one free) and stock up on your favorite items.

Eat basic wholesome foods; avoid prepared boxed mixes.

Prepare menus in advance and shop from your list

Don't buy furniture, clothes, etc. on credit. Shop at second-hand stores, flea markets, garage sales, and swap meets. You will be surprised at the great deals you can land for a fraction of the price you would spend on new items.

Attend "dollar movies" or rent videos, instead of paying full price for a theater ticket.

Rotate your food storage. It is recommended to store what you eat and eat what you store. This is a great way to save money and rotate your food storage.

Perhaps you can brainstorm with your spouse or family members on additional ways to save money.

Financial preparedness is an essential part of any preparedness plan. Once your finances are in order, other areas of preparedness will fall into place.

Car Preparedness and Safety

The following is a recommendation of items to put into an emergency car kit:

* Water for drinking and cooking
* Food and snacks (compressed high energy snack bars are excellent because of their ability to withstand most car temperatures)
* Flashlight with extra batteries. (batteries last longer in LED flashlights)
* First aid kit with burn care dressings and gel
* Sanitation and sundry items including soap (hand sanitizer is a great idea because it does not require any water)
* Maps and compass
* AM/FM radio. We recommend having a radio with more than one source of power, or hand crank radios.
* Chemical lightsticks are recommended because of their safety
* Road flares can be used but are not as safe as the lightsticks
* Candle with windproof/waterproof matches (remember, in some cases it is not wise to light a match in case of a gas leak)
* Emergency blanket or bag
* Extra clothing

Other useful items to remember:

* Jumper cables
* Car repair kit
* Try to always maintain at least one-half tank of gas
* Cell phone to report any emergencies (many disconnected cell phones may still be able to call “911” when charged)
* Fire extinguisher
* Paper and pencil for leaving notes or recording any thoughts
* Toys and other special consideration items for children
* Books and games for entertainment
* Short rubber hose for siphoning

There are many ways to customize your emergency car kit. It is also important to consider special needs such as those with diabetes or hypoglycemia, babies, elderly, and people with allergies or chronic illness. For a person with diabetes, remember to have extra insulin on hand. For a person with hypoglycemia, store high energy snacks in addition to their ration of food. For babies, store extra diapers, formula, blankets, and clothes.

If you have no way of calling for help, tie a bright red piece of cloth on your antenna. This is generally recognized as a call for assistance. Remember to always let someone know what time you left and what time you expect to arrive at your destination.

By taking these precautions, you can prepare your family for an emergency and feel more confident in your travels

Emergency Fire Safety

A fire can engulf a structure in a matter of minutes. Understanding the basic characteristics of fire and learning the proper safety practices can be the key to surviving a house or building fire.
Before

Install smoke detectors.
Check them once a month and change the batteries at least once a year.

Develop and practice an escape plan. Make sure all family members know what to do in a fire.

* Draw a floor plan with at least two ways of escaping every room. Choose a safe meeting place outside the house.
* Practice alerting other household members. It is a good idea to keep a bell and a flashlight in each bedroom for this purpose.
* Practice evacuating the building blindfolded. In a real fire situation, the amount of smoke generated by a fire will most likely make it impossible to see.
* Practice staying low to the ground when escaping.
* Feel all doors before opening them. If the door is hot, get out another way.
* Learn to stop, drop to the ground, and roll if clothes catch fire.

Post emergency numbers near telephones.
However, be aware that if a fire threatens your home, you should not place the call to your emergency services from inside the home. It is better to get out first and place the call from somewhere else.

Purchase collapsible ladders at hardware stores and practice using them.

Install A-B-C type fire extinguishers in the home and teach family members how to use them.

Do not store combustible materials in closed areas or near a heat source.

Cooking:
Keep the stove area clean and clear of combustibles such as bags, boxes, and other appliances. If a fire starts, put a lid over the burning pan or use a fire extinguisher. Be careful. Moving the pan can cause the fire to spread. Never pour water on grease fires.

Check electrical wiring.

* Replace wiring if frayed or cracked.
* Make sure wiring is not under rugs, over nails, or in high traffic areas. Do not overload outlets or extension cords.
* Outlets should have cover plates and no exposed wiring.
* Only purchase appliances and electrical devices that have a label indicating that they have been inspected by a testing laboratory such as Underwriter's Laboratories (UL) or Factory Mutual (FM).

Contact your local fire department or American Red Cross chapter for more information on fire safety.
During

Get out as quickly and as safely as possible.

Use the stairs to escape.

When evacuating, stay low to the ground.
If possible, cover mouth with a cloth to avoid inhaling smoke and gases.

Close doors in each room after escaping to delay the spread of the fire.

If in a room with a closed door:

* If smoke is pouring in around the bottom of the door or it feels hot, keep the door closed.
* Open a window to escape or for fresh air while awaiting rescue.
* If there is no smoke at the bottom or top and the door is not hot, then open the door slowly.
* If there is too much smoke or fire in the hall, slam the door shut.

Call the fire department from a location outside the house.

After

Give first aid where appropriate.
Seriously injured or burned victims should be transported to professional medical help immediately.

Stay out of damage buildings.
Return home only when local fire authorities say it is safe.

Look for structural damage.

Discard food that has been exposed to heat, smoke, or soot.

Contact insurance agent.
Don't discard damaged goods until after an inventory has been taken. Save receipts for money relating to fire loss.
Heating Devices
Heating devices such as portable heaters, wood stoves, and fireplaces demand safe operation. Use portable heaters in well-ventilated rooms only. Refuel kerosene heaters outdoors only. Have chimneys and wood stoves cleaned annually. Buy only approved heaters and follow the manufacturers' directions.

Smoke Detectors
Smoke detectors more than double the chance of surviving a fire. Smoke detectors sense abnormal amounts of smoke or invisible combustion gases in the air. They can detect both smoldering and burning fires. At least one smoke detector should be installed on every level of a structure. Test the smoke detectors each month and replace the batteries at least once a year. Purchase smoke detectors labeled by the Underwriter's Laboratories (UL) or Factory Mutual (FM).

The United States has a severe fire problem, more so than is generally perceived. Nationally, there are millions of fires, thousands of deaths, tens of thousands of injuries, and billions of dollar loss - which makes the U.S. fire problem one of great national importance. Between 1994 and 2003, an average of 4,060 Americans lost their lives and another 22,650 were injured annually as the result of fire. These averages do not reflect the events of September 11, 2001. Thanks to the Federal Emergency Management Agency for the above information. We at Emergency Essentials recognize that loss of life and property in a fire can be significantly reduced with a better educated public—particularly regarding the lifesaving advantages of using and maintaining smoke detectors

Holiday Safety Tips

It is important during this holiday season to remember important safety recommendations. Here are some tips for making your home safe during the holidays:
Christmas Trees

Christmas trees can be a major fire hazard. We all have a responsibility to take precautions to prevent fires in our neighborhoods and communities. Here are a few basic ideas to keep your natural tree fresh and healthy, and to protect your family:

* Make sure the water level on the tree never drops below the bottom of the tree.
* Make sure your tree is securely fastened to the stand so it cannot be easily tipped over.
* Keep your tree away from heat sources such as a space heater or fireplace. Be sure the tree is also placed away from burning candles.
* Keep a fire extinguisher in a clearly visible place.
* Avoid placing your tree in high traffic areas or exits.
* If you choose to have an artificial tree, make sure it is fire retardant.
* Discard the tree as soon as it shows signs of drying out.

Decorations

* We recommend you not use tinsel. It is easy for children to swallow and can get wound around a small child's fingers, cutting off circulation.
* Glass ornaments should be placed high on the tree.
* Smaller ornaments should also be out of reach of children.
* Place non-breakable ornaments, ones without sequins or beads, on the lower branches. Tie them on with ribbon or string instead of hooks.
* Some plants such as mistletoe (and its berries), holly, and poinsettias, can also be toxic. Keep them away from babies and small children.
* Avoid using spray-on snow, which may give off harmful fumes.
* Put wrapping paper in the garbage immediately after opening presents. Dyes that are present in the paper can be toxic for small children, who may chew on the pieces of wrapping paper.
* Heavy stocking holders can be pulled down onto a child's head. Keep stockings up high, or use plastic hooks to hold them in place.

Lights

* Check for loose connections, frayed ends, bad electrical sockets and plugs, or other damaged wiring. Replace lights with any of these problems.
* Don't put more than three strands end to end--this can cause circuits to burn out.
* Turn lights off when you go to bed.
* Small, new lights are safer than the older, larger bulb style that generate more heat and dry out your tree faster.

Toys

* As you finish up your Christmas shopping for the children on your list, pay attention to the details that may make a toy dangerous for children to play with.
* "Think big" when choosing toys. Avoid small parts that could be a choking hazard.
* Look for stuffed animals with eyes, noses, or other decorations that are securely sewn on.
* Most toys have an age recommendation on the label. Suggest that gift-givers look for the appropriate age level for your child.

Other Considerations

* Be sure to check batteries in the smoke detectors throughout your home.
* Keep a fire extinguisher in an accessible place such as the kitchen, the room where the Christmas tree will be standing, or near a fireplace.
* Be sure to lock your home when you are away. The holiday season is a common time when homes are broken into.
* Keep a first aid kit handy in case there are any accidents. Also include Burnfree dressings and gel.
* Be sure to have an emergency car kit in your car while traveling to and from friends and family.
* Keep your emergency kit near a main exit in your home.
* Have a family evacuation plan in place, in case of fire or other emergency.

Being prepared is a valuable gift you can give your family this holiday season. We hope these tips will help make your home peaceful and safe for everyone. Remember to use common sense and think ahead for possible dangers that are unique to your family. There is always something you can do to make your home better prepared and safer for the holidays.

Disaster Preparedness For Your Home in Three Easy Steps

1. Walk through a complete safety check of your home. We like to call this a “Home Hazard Hunt”

One of the most important things you can do, especially if you live in an older home, is to make sure certain parts of your home comply with the latest residential building codes. Local building codes were created with your family's safety in mind. They were designed to prevent an emergency situation from turning into a disaster, such as a house fire.

Here are some other items you should include as part of your safety check:

* Beds under windows. Move beds out from under windows that may break in the event of an earthquake or falling trees.
* Beds directly below shelves or hanging lights. The lights or objects on shelves could fall on sleepers below.
* Beds below heavy mirrors or framed pictures. Heavy objects on the wall will easily fall during an earthquake.
* Heavy lamps on bedside tables. They could fall over onto sleepers. Fasten lamps securely to tables or replace heavy lamps with light, non-breakable lamps.
* Hanging plants in heavy pots. The heavier the pot the more likely it is to fall in an earthquake causing injuries.
* Breakable or heavy objects on shelves. An earthquake could shake them off the shelf. Consider a cabinet with latching doors instead of shelves.
* Loose latches, such as magnetic push latches, on cabinets and cupboards. Cabinets could swing open during an earthquake causing the contents to spill. Replace them with new latches that will hold during an earthquake.
* Glass bottles in medicine cabinets. Put items stored in glass containers on lower shelves or to the back of the cabinet. Some shelves have a shelf railing to prevent items from falling off. Note to parents: make sure you use childproof latches when you move things to lower shelves.
* Glass containers around the bathtub. They could easily break.
* Flammable materials close to heat sources. Painting or cleaning products should be stored in the garage or outside in a shed. Newspaper or cardboard should be recycled or thrown away.
* Heavy or glass objects next to the exits or escape routes in your house. They can block exits and escape routes.
* Objects with wheels. These items could roll during an earthquake. Block the wheels so the object cannot roll.
* Tall, heavy furniture such as bookshelves and china cabinets. Attach furniture securely to the studs in the walls to prevent them from tipping over.
* Heavy appliances such as refrigerators and water heaters. These should be attached to the studs in the walls.
* Dead or diseased tree limbs near the house. Tree limbs could fall and damage the house or hurt people passing by.
* Air conditioners and swamp coolers. Be sure they are well braced to prevent falling.
* Roof tiles. Make sure they are securely in place.

By completing this checklist, your family will have a head start in preparing for a fire, hurricane, tornado, or earthquake and other possible disasters.

2. Create an emergency evacuation plan for your home and family.

In an emergency situation, every second counts. That is why it is essential that your family be familiar with the primary and secondary exits of your home.

1. Make a map of your home and include the following:

* Label every exit, including doors, windows, and hallways, which may become a potential fire escape.
* In every room, label the primary exit (usually a door or hallway) and a secondary exit (usually a window) in case the primary exit is blocked by smoke or flames.
* Label every room where a family member sleeps.
* Label the main shutoff valves of the gas, electricity, and water lines.
* Establish a safe meeting place outside the home so everyone can be accounted for. List this on your emergency phone numbers list that you have by your phone.

Practice your emergency evacuation plan. No evacuation plan will work unless it is practiced on a regular basis.

* Involve everyone. It is important for everyone in the family to learn how to escape. You may even want to teach your children how to escape out of windows in case the door is unavailable to exit. A good fire escape ladder is essential if your exit is through a second story window. You may want to arrange the furniture so a dresser or nightstand is under the window to make it easier to escape, especially through basement windows.
* Place your emergency kits strategically near an exit so they are easy to grab in a hurry. When you practice, assign certain family members to be in charge of getting the emergency kit.
* Practice turning off utilities (gas valves, etc.) A gas wrench is a useful tool for this.
* Practice other life-saving habits such as always leaving a pair of shoes, gloves, and a flashlight or lightstick at each person's bedside.
* Practice with time in mind. Try running through your disaster plan at least 4 times each year and adjust your plan according to the ages of family members.

3. Post two emergency phone numbers lists.

The first list of phone numbers should include all emergency phone numbers you might need to contact in the event of an emergency, such as:

* Any emergency--911
* Fire department
* Police department
* Family doctor
* Ambulance
* Poison control center
* Utility company hotline

The second phone list should consist of relatives you would want to contact in a disaster situation. If possible, you should also arrange for one out-of-state relative to be your contact person since local lines are often unusable in emergency situations. Your out-of-state contact can let other worried loved ones know you are all right.

All of this might seem overwhelming at first, and it is if you try to do it all at once. We recommend setting a goal or several goals to accomplish on your path to becoming prepared. Just follow these steps and preparing your family and home for emergencies is as easy as 1, 2, 3!

Taking Baby Steps in Preparedness

In breaking down your preparedness goal you first need to determine exactly what you want to accomplish. If you plan to set aside a little money each week or month to go towards your family's preparedness, you will be surprised what you can afford. Now is the time to make the goal to be prepared

To start, you could plan a budget for buying emergency supplies that deal with water. A reliable water storage system like the 55 gallon barrel and a 25 gallon boxed water kit is essential. Water is the first item we recommend to store because it is the most crucial item to have available during an emergency. It is recommended to have both portable and stationary water sources. You could also plan out a budget to buy a really good portable water filter or purifier. There are also different types of you can purchase, such as water in pouches or foil-lined cardboard “juice boxes” filled with water. These small containers are excellent for small children and babies.

Another step to reach your preparedness goal is to set up a schedule of certain things you want to buy each month Maybe you want to be prepared by having 72-hour kits for everyone in your family. Perhaps you want a total preparedness package consisting of 72-hour kits and a year's supply of food storage for each member of your family.

One month you could buy emergency preparedness items that deal with warmth, such as emergency blankets, sleeping bags, hand and body warmers, and wool blankets. Another month you could focus on purchasing items that deal with emergency lighting, such as 100 Hour Candles, kerosene lamps, light sticks, matches, or a flashlight. This may seem like a lot of items to buy, but purchasing them in stages will help ease the stress on your pocketbook.

The next step you need to think about is setting a goal to save enough money to buy food storage. You can accomplish this by setting aside a weekly amount, and then at the end of the month, buy food storage with that money. By rotating your food storage into your daily recipes, you can eat the foods you enjoy and you don't have to worry about the expiration dates on your food storage items. One good way to rotate food is to buy 2 or 3 cans of canned goods especially when they are on sale. This way you slowly stock up on food storage without budgeting. So if you actually use your food storage and you are constantly rotating and eating it, your food storage cost will never exceed the original investment. Remember, normal canned vegetables and fruits come in smaller cans, have a shorter shelf life and can only stack so high. They are also packed with excess water. Freeze-dried or dehydrated #10 cans of food are a lot more compact in a smaller area and can store over 5 years compared to the 1 year shelf life of store bought canned food.

Another goal could be to encourage your neighbors and family members to start preparing as you are. Maybe this year you can decide to give gifts of preparedness to help your family members and loved ones get prepared.

Think about setting goals for food storage and preparing for emergencies. If you make a plan and a budget, it will be easier to get the things that you need without added stress and worry. Now is the time to get prepared. You can do it!

New Year Preparedness Goals

The New Year is a time of making resolutions and goals for the year to come and leaving any regrets behind you. As you are thinking of what goals you would like to accomplish this year, along with the usual goals of spend more time with your family, reduce debt, lose weight and exercise more, maybe you can make a goal to get your food storage and prepare for emergencies. Now is the time to make the goal to be prepared.

In breaking down your preparedness goal you first need to determine exactly what you want to accomplish. If you plan to set aside a little money each week or month to go towards your family's preparedness, you will be surprised what you can afford.

To start, you could plan a budget for buying emergency supplies that deal with water. A reliable water storage system like the 55 gallon barrel and a 25 gallon boxed water kit is essential. Water is the first item we recommend to store because it is the most crucial item to have available during an emergency. It is recommended to have both portable and stationary water sources. You could also plan out a budget to buy a really good portable water filter or purifier. There are also different types of you can purchase, such as water in pouches or foil-lined cardboard “juice boxes” filled with water. These small containers are excellent for small children and babies.

Another step to reach your preparedness goal is to set up a schedule of certain things you want to buy each month Maybe you want to be prepared by having 72-hour kits for everyone in your family. Perhaps you want a total preparedness package consisting of 72-hour kits and a year's supply of food storage for each member of your family.

One month you could buy emergency preparedness items that deal with warmth, such as emergency blankets, sleeping bags, hand and body warmers, and wool blankets. Another month you could focus on purchasing items that deal with emergency lighting, such as 100 Hour Candles, kerosene lamps, light sticks, matches, or a flashlight. This may seem like a lot of items to buy, but purchasing them in stages will help ease the stress on your pocketbook.

The next step you need to think about is setting a goal to save enough money to buy food storage. You can accomplish this by setting aside a weekly amount, and then at the end of the month, buy food storage with that money. By rotating your food storage into your daily recipes, you can eat the foods you enjoy and you don't have to worry about the expiration dates on your food storage items. One good way to rotate food is to buy 2 or 3 cans of canned goods especially when they are on sale. This way you slowly stock up on food storage without budgeting. So if you actually use your food storage and you are constantly rotating and eating it, your food storage cost will never exceed the original investment. Remember, normal canned vegetables and fruits come in smaller cans, have a shorter shelf life and can only stack so high. They are also packed with excess water. Freeze-dried or dehydrated #10 cans of food are a lot more compact in a smaller area and can store over 5 years compared to the 1 year shelf life of store bought canned food.

Another New Year’s goal could be to encourage your neighbors and family members to start preparing as you are. Maybe this year you can decide to give gifts of preparedness to help your family members and loved ones get prepared.

When you are planning your New Year's resolutions, think about setting a goal of food storage and preparing for emergencies. If you make a plan and a budget, it will be easier to get the things that you need without added stress and worry. Now is the time to get prepared. You can do it!

Emergency Preparedness at Work and School

Natural disasters and emergencies may not normally occur while you are at home where your emergency supplies and food storage are kept. Because of this, it is important to have an emergency plan for the various places your family spends time. Our homes, schools and workplaces should have site-specific preparations for an emergency.

Work

Think about what you have at your office that will help you get through an emergency. Maybe you have a candy bar or a package of stale donuts in your desk drawer or maybe just an old pack of chewing gum. At least that's a start! Do you even know if your company has an evacuation plan or how to use that plan? The following are some simple ideas to help you feel safe at work, even during an emergency.

Keep a backpack or duffle bag of your own personal supplies in a desk drawer. This pack could include the following:

* Flashlight with extra batteries
* Emergency bag or blanket (very compact and made of a special material that reflects up to 90% of your body heat)
* Food (high calorie food bars, MREs, granola bars, fruit bars, candy bars, crackers, fruit leather, raisins, nuts, prepackaged foods, etc.)
* Water pouches or juice boxes
* Pair of walking shoes
* Multi function knife
* Mini first aid kit (adhesive bandages, rolled bandages for sprains, pain reliever, any medication you need, gauze, antiseptic wipes, antibiotic first aid cream, etc.)

In addition to packing a small survival kit, here are some other important things you can do:

* Read your company's evacuation plan. If your company doesn't have one, volunteer to prepare one. Make sure there is a good designated meeting location and every employee knows where to go.
* Make sure you are aware of the exit routes in your building.
* Know where the fire extinguishers and first aid kits are located.
* Note the locations of stairways as you walk from room to room.
* Carry a card in your wallet or purse that has important phone numbers including the number of your out-of-state phone contact.
* Keep the area under your desk free of trash cans and clutter. This area is the best place to secure yourself in the event of an earthquake.
* Don't count on being able to get back to your desk for personal supplies if you are away when an emergency occurs. Store additional supplies in your car, such as an emergency car kit.
* Be sure you discuss a meeting plan with your family so they know where to go and when to expect you.

School

Schools should already have an emergency plan to make sure your children are safe, but do you know enough about it to explain it to your children? The following are ideas to help you and your children feel safe away from home during an emergency.

Contact your school district to find out about their emergency plan and the policy on how children will be released from school. Some schools already have an emergency classroom kit. Find out where it is located. Also, help your child prepare a small disaster kit for them to keep in their locker or desk. This kit could include the following:

* Flashlight with extra batteries
* Emergency bag or blanket (very compact and made of a special material that reflects up to 90% of your body heat)
* Food (high calorie food bars, MREs, granola bars, fruit bars, crackers, candy bars, fruit leather, raisins, nuts, prepackaged foods, etc.)
* Water pouches or juice boxes
* Comic book for stress or boredom relief
* Mini first aid kit (adhesive bandages, rolled bandages for sprains, pain reliever, any medication you need, gauze, antiseptic wipes, antibiotic first aid cream, etc.)Make sure your child knows how to use these first aid items properly.

Help your child understand when they are allowed to use their disaster kit and exactly how to use it. You should also include an identification card with their name, address, telephone number, emergency telephone numbers, birth date, and a reminder note to stay calm.

Make a family fun night out of getting everyone prepared. Here are some ideas to help your family feel prepared wherever they are:

* Discuss your family emergency evacuation plan from your home in case of fire or other disaster, and a specific location to meet.
* Help your children memorize important phone numbers.
* Teach them the location of the nearest police and fire stations and their phone numbers.
* Know the route to the nearest hospital emergency room.
* Meet with your neighbors and find out who has medical experience and have a training night.
* Give spare keys to your trusted neighbors.
* Show your children where the utility shutoffs are and how to shut them off.
* Keep your car's gas tank at least half full.
* Familiarize your children with emergency preparedness products by going through your home emergency kit.

It is important to think ahead and communicate with others in advance. By following these guidelines you will be better prepared to safely reunite with loved ones during an emergency

preparing the Family Pet for an Emergency

Getting your family prepared for emergencies should be your first preparedness concern, but what about the family pet? Once you are sure that your family is prepared for any disaster that may occur in your area, turn to the task of preparing your family pet to survive a disaster. Believe or not, preparing your pet is similar to preparing your child.

As with children, the behavior of your family pet may change dramatically after a disaster or during an emergency situation. Pets can become confused and scared or aggressive and defensive because their lives have been turned upside down. Staying calm will help your pets and children stay calm. Don't panic and speak firmly but calmly.
Before a Disaster Strikes

1. Keep your pet's vaccinations current.
2. Take photos of each animal, include any distinguishing marks. Store the photos along with medical records in resealable plastic bags along with other important papers.
3. Keep a properly fitted collar, current license, and rabies and identification tags on each pet, even cats that never go outside. Birds should be leg-banded.
4. Determine the best place to leave your pet in case of a disaster. Identify a place in your home to leave your pet as well as an off-site location in case of evacuation.
5. Have an emergency 72 hour kit for each pet. Familiarize your pet with the kit's carrier or cage before an emergency. You may want to have the following items in your pet’s 72-hour kit (items may vary depending on the pets needs):

* 3-day supply of pet food, treats, and water
* Appropriate food and water dishes
* Can opener and disposable utensils
* Blankets or towels
* Pet hygiene items (brush, shampoo)
* Pet carrier(s) with ID tag (Include emergency contact numbers)
* Collar/ID/leash
* Sanitation items: litter box, litter, pooper scooper
* Toys
* Pet first aid kit (see contents below)

This will take care of your pet for the first 72 hours, but you can see, just as with your own family preparations, how much more comfortable your pet will be with the extras that they are used to. In a 72 hour kit, two week, or one year supply, store the dry and canned foods your pet is accustomed to eating. Just as with your own human family, familiar foods are less likely to cause digestive problems and can give your pets a feeling of security in time of stress.

A first aid kit for your pet should contain the following items:

* Three-day supply of any medications or vitamins your pet normally takes
* Pet first aid manual
* Names, addresses, telephone numbers of local vet offices, including 24-hour clinics
* Tape
* Scissors
* Antibacterial soap
* Cotton balls/gauze
* Hydrogen Peroxide

During a Disaster

1. Evacuate your pet early, if possible, to a preselected site outside of the emergency area, possibly a relative’s home or even a pet friendly hotel. Take your pet's vaccination and medical records as well as identification photographs with you.
2. In case of an evacuation, bring your pet indoors. Disaster assistance groups such as the American Red Cross and the Federal Emergency Management Agency (FEMA) are not equipped to handle, rescue or care for displaced pets during large-scale emergencies. Emergency and human disaster shelters cannot accept animals (except service animals) for safety and sanitation reasons. Do NOT leave pets chained outdoors.
3. If you must leave your pet behind, prepare an emergency pen for pets in your home that includes at least a three-day supply of dry food and a large, spill proof container of water. If possible, open a faucet to let water drip into a large container or partially fill a bathtub. Do not leave vitamin treats out for your pet; they could be fatal, if overeaten. Position cages off the floor, away from windows, and on a sturdy surface to prevent tipping over. Preselecting a site in your home will make emergency preparations for you pet easier than waiting until the emergency occurs.
4. Keep cats and dogs separate, even if they normally get along (stress in emergencies can upset the balance of friendship). Keep bird cages covered with a protective sheet, away from windows and other pets.
5. If you cannot locate your animals and have to evacuate, leave as much water and food, inside or outside, for them as possible. (It is a good idea to have an automatic feeder and water container on hand that will last for several days or more).

After a Disaster

1. If you notice that your pet's behavior has changed, monitor your pet closely. Stay away from stray pets that are acting aggressive after an emergency. Keep your pets on a leash and maintain close contact. Familiar scents and landmarks may be altered, causing confusion and abnormal behavior.
2. If your pet was lost, contact boarding kennels, humane shelters and veterinary hospitals. Also place signs or pet emergency stickers on your door, to notify emergency crews that you have pets that need to be found or that are inside your house and need to be rescued. These stickers and signs are available at many pet stores or for FREE from the ASPCA (click here to fill out the form!). Include an address and phone number on them of a close relative or friend that isn’t from your area.
3. If you find a pet, call animal control or alternate emergency phone numbers set up during the disaster. The best defense against lost animals is to have them wear a collar with identification tag.

Making sure your family is prepared should be the number one priority in a disaster situation. It is also your responsibility to make sure your pets are prepared and well taken care of. Imagine having hungry, anxious animals running loose to compound the problems of an emergency. Love your family and your pets! For more information on taking care of pets in an emergency check out these web sites

Thursday, January 18, 2007

Dental Supplies Included in Preparation of Emergency


Fierce weather, flu epidemics, gasoline shortages, power outages, and other natural or man-made disasters: you never know when an emergency situation may strike. Since September is America's National Preparedness Month, why not take steps now to gather supplies and make plans?

Depending on the type of emergency, make sure that all family members know what to do, where supplies are stored, and how to get in contact with each other. These are simple yet effective ways to give you and your family peace of mind.

Making a supplies kit

The U.S. Department of Homeland Security's checklist (available in English and Spanish) recommends gathering adequate supplies for 3 days. However, you may want to consider stockpiling up to a week's worth of basic items, including:

  1. Water for drinking and sanitation (1 gallon per person per day)
  2. Non-perishable food
  3. Can opener, eating utensils, paper plates and cups, and paper towels
  4. Radio, flashlight, and extra batteries
  5. Whistle
  6. Matches in a waterproof container
  7. Dust mask, plastic sheeting, and duct tape
  8. Wrench or pliers
  9. Local maps
  10. Sanitation items (moist towelettes, toilet paper, garbage bags, plastic ties, chlorine bleach, and a medicine dropper)
  11. Fire extinguisher Personal items for your supplies kit also may include:
  12. Prescription medicine
  13. Glasses or lens-care supplies
  14. First aid kit, first aid book, and a list of your family's medicines and dosages
  15. Toiletries, such as soap and feminine care products
  16. Cash or traveler's checks
  17. Copies of important family documents (medical insurance cards, insurance policy information, bank account records, etc.)
  18. Complete change of clothing per person, including sturdy shoes and overcoats
  19. Sleeping bag or warm blanket per person
  20. Paper and pencils

In addition, you should consider the needs of your family. For example:

  1. Formula, diapers, and care items for infants
  2. Books, games, or puzzles for children
  3. Food and water for pets
  4. Special items for seniors, such as hearing aids, wheelchair batteries, and oxygen
  5. Special items for other family members, such as a medical alert bracelet that identifies the individual's disability, allergies, and family contact information
  6. Small, important family mementos, such as photographs or discs

Store your emergency supplies in a dry, easily accessible place. Check the dates on food items periodically; rotate them into your regular supply and replace them as needed.

Making a first aid kit for dental emergencies

In addition to the government's recommendations, be sure to create a first aid kit that includes supplies for dental emergencies:

  1. Clove oil (a natural pain reliever)
  2. Tweezers
  3. Dental mirror
  4. Small cotton pellets, gauze, or cotton handkerchief
  5. Petroleum jelly
  6. Dental floss
  7. Soft dental wax
  8. Ibuprofin (not aspirin)
  9. Saline solution
  10. Extra toothbrushes, toothpaste, and dental floss
  11. Extra supplies for denture care as needed
  12. Contact information for our dental office and dental insurance

Making a plan for dental emergencies

If you or your family members have a dental emergency, you may be able to handle it until you can contact our office. For example:

  • If a baby tooth is knocked out: Don't worry unnecessarily. Just notify us so that we can check whether the area will need a space maintainer.
  • If a permanent tooth is knocked out: Rinse it with water, pick it up by the crown (not the roots), and try to place it gently back into the socket until we can examine it. If that's not possible, keep it in the mouth between the tooth and gums, or place it in a glass of milk.
  • If the wire on braces break: Cover the end with a small piece of soft dental wax or (if that's not available) a small piece of pre-chewed sugarless gum.

For any dental emergency, be sure to contact your office as soon as you can. And remember, with a good plan and supplies, you can gain peace of mind (one of your best tools for emergency preparedness).

Tuesday, January 16, 2007

Earthquake Preparedness: Are you prepared

Every year 500,000 detectable earthquakes occur around the earth. 100,000 of these earthquakes can be felt by residents living near the earthquake, and 100 earthquakes cause damage to property every year. There is definitely a lot of shaking going on around the globe. Many people in the United States live in areas that are prone to earthquakes. Alaska and California are two of the most active places in the United States for earthquakes (Alaska has a magnitude 7 to 8 earthquake every year, and a greater than magnitude 8 earthquake approximately every 13 years). Other states too are prone to earthquakes; in fact, from 1975 to 1995 only Florida, Iowa, North Dakota, and Wisconsin did not have an earthquake. (Don't worry if you didn't feel it though, most of these earthquakes were undetectable to people living in these states.)

If you live in an earthquake prone region are you prepared? Do you and your family have an emergency plan and know what to do if a damaging earthquake occurs? Is your home secured so that tall or heavy objects won't fall?

Earthquake Preparation for the Family

While we can hope that an earthquake does not happen during our lifetime, chances are that if you live in a region prone to earthquakes one will. Since there is no way to predict when an earthquake will occur, or to stop earthquakes from happening, the best way to survive an earthquake is to prepare for it in advance. There are several things you should do to before an earthquake does strike.

Create an Emergency Plan

One of the first things you should do to be prepared for an earthquake is to create an emergency plan for your family. This plan should be as detailed as you need for your family. In today's active world many families spend much of their time outside of the home, attending school and work, playing sports or other recreational activities, attending church, or just hanging with friends. Any plan you create for you family needs to include a meeting location (your home, a school, or your church) where all family members will head to after an earthquake to reunite. Even if you are single you should plan with friends and neighbors to determine a meeting place or a way to contact each other.

In our modern world we depend heavily on rapid and accurate communication, both for work and at home. E-mail, cell phones, and pages help to unite our world better than ever before. But remember that all of our modern communications depend on a fragile network that can be easily damaged during an earthquake. Cell phones may not work, and electricity outages may prevent you from using a computer or home phone. Creating an emergency plan with a meeting location will help to reduce some of the fear of not knowing what has happened to family or friends. Despite this risk of losing communication all family members should carry emergency phone numbers with them. While 911 and other emergency numbers are important, you should know whom to contact to let others know you are safe. You may consider using a relative or friend that lives out of state to be a contact person for your family to serve as a contact person for other people to learn about your safety, it is often easier to make long-distance calls during an emergency than local calls.

We are Not Safe

That's the verdict of the 9/11 Commission's Report. So, tell us something we don't know. A few weeks back we were again told that "We are Not Safe" and a whole new round of terror warnings and alerts were issued. In the post-9/11 world, this has become a fact of life for us here in the United States, as it has been in various parts of the world for many years. We are coming a bit late to this table, and so it may take us a bit longer to actually be prepared for what everyone seems to feel is another inevitable attack.

So - what do we do to prepare ourselves? There have been countless articles and television spots on what to do to get ready for the worst. Many families have already done their basic preparation, but what about our schools?

The U.S. Department of Education offers many resources for schools and teachers to help prepare for the possibility of an attack. It is a great resource and should be looked at carefully. If your school doesn't have a plan yet, this would be a good place to start.

The Department of Homeland Security has given us guidelines for preparing an emergency supply kit for our homes. They suggest the following items:

- a gallon of water per person per day
- emergency supplies including a flashlight, a batter-powered radio, extra batteries, first aid kit
- filter masks, duct tape and heavy plastic sheeting

But what about an emergency kit for schools? The American Red Cross has an extensive list of recommended Emergency Supplies for Schools. Included on that list are those that each classroom should have. They include:

- Work gloves, leather
- Latex gloves, 6 pr.
- Safety goggles, 1 pr.
- Small first aid kit
- Pressure dressings, 3
- Crow bar
- Space blankets, 3
- Tarp or ground cover
- Student Accounting Forms, blank
- Student emergency cards
- Buddy classroom list
- Pens, paper
- Whistle
- Student activities
- Duct Tape, 2 rolls (for sealing doors & windows)
- Scissors
- Suitable container for supplies (5-gallon bucket or backpack)
- Drinking Water and cups - stored separately
- Toilet Supplies (large bucket, used as container for supplies and toilet when needed, with 100 plastic bags, toilet paper, and hand washing supplies)
- Portable Radio, batteries or other communication system
- Flashlight, batteries
- Push broom (if classroom includes wheel chairs)

Disaster Preparation

June 1st marks the start of the Atlantic Hurricane Season. But residents of coastal areas aren't the only ones who should keep their eyes on the weather. Hurricanes - and other disasters - can strike wreak havoc far inland. Hurricanes, floods, tornadoes, fires, earthquakes, toxic spills - all can devastate lives in a short time.

After hurricane Andrew struck south Florida, tens of thousands of animals were left homeless, injured, and/or euthanized because they could not be reunited with their owners. Many of these animals were left to fend for themselves while their owners fled to a place of safety.

Make a disaster plan now, while life is calm. If you are in a hurricane-prone area, make an evacuation plan that will cover you and your pets. While many hotels do not allow pets or require hefty pet deposits during normal circumstances, many will reduce or waive fees or allow pets during evacuations. Or find a vet or kennel inland in a safe place that will board your pets for you. Better yet, find a friend or relative in a safe area that will let you bring your entire family with you. Also, some larger areas now have animal evacuation sites set up for people to bring animals to, but they have requirements that each pet must meet to be accepted. Contact your local emergency management office to see if such a program exists in your area, and if so, what the requirements are.

Invest in collapsible crates or portable kennels for all your animals. Make sure all pets have up-to-date vaccinations, required tags, and ID tags with current contact information. I recommend also having a second "emergency" number included with another family member or friend's number so that if you are separated and your residence is uninhabitable, there will be a better chance of someone being contacted with your pet's location. Also, look into having your pet microchipped as an extra safety precaution. Collars and tags can get lost. And make sure you have current pictures of you with your pets to aid in identification and proof of ownership.

Have extra collars, leashes, and a muzzle available. If you feed your dog canned food, make sure you have a manual can opener. Keep an emergency pet kit with these extra items, plus lists of any medications your pet takes. (And don't forget to take those meds with you if you evacuate.) Also, spare collapsible food and water bowls and a couple of gallons of fresh water

Tuesday, January 9, 2007

Cooking Tools For Your Kit

We have learned about some of the food items we should include in our food kit as well as some ways to prepare that food. What we have missed is the tools, the utensils that will make this type of cooking much easier! These are my suggestions on items to include in your kit.

First you will want some alternative ways to cook like a Dutch oven, box oven or barbecue. These three cooking methods all utilize the heat from charcoal so that too, should be in you kit. Let’s take a look at some additional items we should consider:

* Briquettes

* Lighter fluid or fire starters

* Waterproof Matches

* Two pair of tongs one for the charcoal and one for cooking

* Heavy duty aluminum foil

* Ziploc Bags

* 12 quart Dutch oven

* Cast iron skillet

* Pancake Turner

* Large fork and spoon

* Baking tins of various sizes

* Lots of herbs and spices

* Sprouting seed and growing container.

These items are just the bare minimum that you should include. The briquettes will be great for providing heat for cooking. Fire starters can be made ahead of time very easily. One of the easiest is to take a cardboard egg carton and fill each space with clean wood shavings. Then melt and pour paraffin over each of these shaving filled spaces. When you need to start some charcoal tear one or two section off of the carton and place it in the middle of the briquettes and light. Before you know it your briquettes will be ready for you to use.

The waterproof matches will help you get that fire burning no matter what the weather conditions are. I feel the tongs are necessary so you can move the hot coals around and the second pair for cooking. The foil can be used to cook in, line pans with or store extra food in. The ziploc bags will have lots of uses. You can even make eggs or pudding in them. A Dutch oven is a must as far as I’m concerned because it is such a versatile item. You can fry, bake, roast or boil in it. The same holds true for the cast iron skillet. It too will find many uses. The turner, fork and spoon will just help you in turning, stirring and of course serving. Baking tins can be used to hold hot charcoal, mixing or for actual baking.

Using your herbs and spices you will be able to make delicious meals in even the most stressful times. You can always grow your own and have fresh herbs whenever you need them.

How Prepared is Your School

Summer is coming to an end and that means our children are headed back to school. We’ve been busy preparing for that first day by school clothes shopping. Purchasing school supplies and stocking up on after school snacks. The teachers have been busy preparing lesson plans and making their rooms ready for their students. But has anyone thought about emergency preparedness in the school and classroom?

The elementary school my daughter attended from 2nd-5th grade charged $5.00 for an Earthquake kit. Not all the schools made these but hers did. Each kit was in a ziplock bag, labeled with the child’s name on it. It moved year to year with her to each new classroom. Inside was an emergency blanket, a light stick, a special packet made for long-term storage of peanut butter and jelly and crackers. It also had a water packet. Does your school do anything like this? I think it really should.

Another idea I ran across while researching this topic as a classroom kit. Besides individual kits, each classroom had a backpack by the emergency exit door. It contained a first aid kit, flashlight, batteries, paper, pens, safety pins and such. The paper, pen and pins were for making nametags for each student. If the pack were large enough, all the student’s individual kits could be stored there too.

I encourage you to talk with your school and ask if they have an emergency preparedness plan. Specifically, do they have a plan if a natural disaster happens like an earthquake or tornado? Do the students each have their own mini kits? Does the school have a 48 or 72 hour plan? What about food and water during this time period?

There are lots of ways you can help your school become more prepared. Offer to organize a group to prepare individual mini kits for the students. I feel this is better than asking each student to bring their own because not all parents will provide the correct items. You need non-perishable food items and long-term water storage packets. Besides, by purchasing in large quantities you will be able to negotiate a better price and save everyone money in the long run. Another thing you might suggest is a preparedness drive. Send home a list with the students explaining what types of things you are looking for such as canned fruits, granola bars, energy bars, flashlights, batteries etc. Let them know that these items will be used to create a 72-hour emergency kit for the school. Food items can be donated to charities before they have a chance to go bad and replace at the beginning of the next school year.

Healing Through Preparing

I have written and discussed being prepared for an emergency always linking it to some sort of natural disaster, long term unemployment and such. Now I feel I must include cases of terrorism in that list. Not that I truly think that we will find ourselves under constant attack, but because, like natural disasters, it appears it too, is an event that we will have no warning about should it happen.

What happened in New York is unimaginable. Even those not in the immediate area were affected in ways outside of the falling buildings. Water and food supplies were affected, employment has been affected and even transportation was affected. If an event similar to those that have recently happened should occur in your area what would you do? How would you react? Very scary things to think about but we should all do just that. We should develop a plan just like we should develop a plan should a natural disaster strike. This isn’t meant to scare anyone or cause undo worry just the opposite. This is designed to give you back some sense of control in your life. I remember hearing that fear is a reaction to the unknown. The “not knowing” has always been the hardest thing for me to deal with. So, if we have a plan at least will begin to have answers to some of those what if questions. What if this happened to me? How will I find my kids, husband, sister…? And so on.

In a recent article that I was reading one of the people who worked in emergency management stated that every American should have a plan and a program that will last them at least three days. There’s that magical number again, 3. Why three days? Because that is approximately the amount of time for the government and other relief agencies to work through the confusion and to really get organized to help. Of course they will be responding immediately but in general for those not injured or in immediate danger that would be the time it would take before we could expect assistance. We have to remember that the lines of communication may be affected, as could transportation.

All this said, again don’t panic, plan! Be sure to have adequate food and water stored away for your family. Again have at least one gallon of water per person per day. This kit should be no different than any emergency preparedness kit. If you have already put your together than your just about finished. What we should also be sure we have, not only in our kits, but with every member of the family is a contact plan and contact numbers. Talk with your school to find out what they would do in a situation like this. Work out arrangements with trusted neighbors and friends so if, for whatever reason, you can’t be home in time for your children that someone picks them up at school or meets them at your house. Be sure the school has your written permission to release your child under these circumstances to these individuals. Also, be sure they have contact phone numbers for each of them. Every member of the family should have a list of emergency contact phone numbers written down. Mom and Dad’s work numbers, cell phones, home number and neighbors. You want these written down for two reasons. First, in a time of crisis and chaos you might not remember your husband’s work number. Second, should you be unable to call or if there is a small child involved, then others will be able to place those calls for you. The family should decide on a key contact person and have their number written down. As soon as each person is able, they should call the contact person to let them know where and how they are and any other vital information. This contact person might live in New Mexico and your family might live in Vermont. In other words, they don’t necessarily have to be located next door. In fact it would probably be better if they lived away from the immediate area or their phone service might be out. Another good item to think about is cell phones. They proved to be a very valuable communication tool in September.

Wednesday, January 3, 2007

How to Create an Emergency Fund

“There are plenty of ways to get ahead. The first is so basic I'm almost embarrassed to say it: spend less than you earn.” -Paul Clitheroe

An emergency fund is extremely important for your family and yourself. Unlike the luxuries we often splurge on, an emergency fund can make the difference between foreclosure and keeping your house. Most financial advisors suggest that an emergency fund should have enough money in it to cover at least 3 months of household expenses. However, six months of expenses is even better. Currently, you may wonder why on earth you would need save 6 months of expenses. However life can throw you some curve balls. Unemployment, unexpected medical bills, natural disasters or an auto accident are all events that no one can predict and that can cause you, to not be able to work. Your first step in building an emergency plan is finding out how much money you will need to put into your fund.

The yearly expenses of an average consumer are estimated at $40,000. Individual expenses may vary and emergency funds should be customized to your situation. For a family that has $40,000 dollars in yearly expenses, an emergency fund of $20,000 dollars is recommended. Overwhelmed? Yes that is a huge amount of money and even at 3 months, we are still talking about ten grand. Take a deep breath! You do not have to save this money over night! You may be asking yourself, “do you I need to put away that much money?” and the answer is yes. What happens if your car breaks and you can not get to work? What if you need a new roof? Or your wife needs emergency medical care? Do you have the money today to pay for this important yet unexpected expenses? Start with figuring out your monthly expenses and multiplying it by 3.

Medical Care For Everybody - Not In The USA

Do you have medical coverage for yourself and your family? Are you middle income and do not have medical coverage? What are your options? Read on.

I am furious with this wonderful country we live in the United States of America which it seems has turned its back on the very people who support it.

I had wonderful medical care through my husband's employment for many years and just took it for granted. I worked most of my adult life now I am divorced and unemployed and do not have any medical care.

Join with me in exploring what options are available for an ordinary person who is a member of the middle class. What happens when this ordinary person needs medical care?

I thought like everybody else that everybody in this country was entitled to medical care but that is not what is happening.

WHY IS MEDICAL CARE FOR EVERYBODY NOT HAPPENING?

HIGH INCOME PEOPLE:

If you have the money you can purchase medical insurance for yourself and your family. It can become a problem if there is a pre-existing condition of one or more of your family members. Maybe, all they have to do is pay higher premiums and that problem is solved or not.

Employment is the way most people obtain medical insurance for themselves and for their families. Today employers in some cases expect their employees to pay a portion of the escalating monthly premiums.

Many employees choose not to be covered simply because they can not afford the escalating monthly insurance premiums. If an employee had to choose between food for their families and monthly escalating premiums food wins hands down.

So what good is the medical coverage if the employee cannot afford it?

Now what do they do for medical care?

What about the thousands of employed people who do not have medical insurance options. These people fall under the category of part time employee or their employer can not afford medical coverage.

What about the employers that feel their employees should be covered under their spouse's employment?

But what if you don not have a spouse or your spouse does not have medical coverage? Now what are your options?

LOW INCOME FAMILIES:

(1) MEDI-CAL

There are tight restrictions on Medi-cal. It is dictated by income, bank account and diagnosis.

(2) COUNTY MEDICAL SERVICES (CMS)

There are also tight restrictions on this plan. It is dictated by income, bank account and diagnosis. CMS is also difficult to obtain.

MIDDLE CLASS:

For the middle class just barely hanging on by their fingertips NOTHING, a big fat ZERO, unless you have medical coverage through your employment or through your spouse.

(3) FREE CLINICS ON A SLIDING SCALE:

There are a few free county clinics that work on a sliding scale by income. $35.00 is the highest amount you can pay. If your need is greater than a fast trip to the doctor for a prescription, you will have to pay for that additional care.

I recently visited one of these clinics. The doctor told me I needed a program of Physical Therapy and I would have to pay for it. I am not employed. Physical Therapy is very expensive and I was out of luck. But the bottom line is I needed the physical therapy so I would once again be employed.

I was given a prescription and had it filled at Sam’s Club. I was told it was the most reasonable place to purchase prescription medication when you do not have medical insurance. I did not need a membership for a pharmacy visit.

4) HOSPITAL EMERGENCY ROOMS:

Thousands of people now flock to the hospital emergency rooms for everyday medical care. They wait long hours clogging the flow of real trauma cases. It is not unusual for some people to give bogus personal information; therefore, they will never receive a bill. The hospital does require every patient show a form of identification for your file.

What about the people that are honest with there personal information? They can receive a huge bill and if x-rays and lab were obtained at the time of the visit --look out.

What if you require emergency surgery or need to be admitted to the hospital. Your medical bill can become an astronomical amount. If you can't afford to pay this bill you will go to a collection agency and maybe lose your home or business.

211 TELEPHONE NUMBER:

If you have any questions about any of the information listed above call 211. It is a wonderful new information line for just this information. The phones are manned by volunteers.

WEEKLY POPULAR TELEVISION SHOWS:

Have you noticed that many popular weekly television shows are now creating shows about medical insurance issues? I just watched Desperate Housewives for the very first time.

The story line was one of the housewives was divorced and she did not have any medical coverage. She needed surgery to save her life.

The plot was she marries somebody immediately and that could provide insurance coverage and then later get divorced.

What do you think about that? What is this country coming to?

It is making honest people lie, cheat and commit fraud so they can obtain the medical coverage they so richly deserve.

WHAT IS THE NEXT STEP?

We start by educating the public about this enormous problem and what it involves. A little bit of knowledge is very powerful.

Then we start at the local, state and then onto the federal government level.

WE NEED CHANGE NOW! IF THE SYSTEM IN PLACE NOW DOESN'T WORK CHANGE IT! MEDICAL CARE FOR EVERYBODY - NOT JUST A FEW.

We could all move to Canada. They have free health care for everybody but what about the good old USA? The system in place right now is a joke.

I wonder what kind of medical coverage the president of the United States and his family have, plus all the other government officials? Aren’t we entitled to the same?

One thing I can do as an individual to fight back is to write articles and to blog. I have already written several articles on varies aspects of medical insurance problems, maybe someday somebody will stand up and take notice.

Travel Insurance For Peace Of Mind During Your Travels

Vacationing at least once in a year has become an integral part of many people's lifestyle and as such the travel insurance has gained in importance like never before.

Just try to imagine the gravity of an emergency situation where you have to deal with an emergency medical situation due to an illness or an accident or injury. Any of these situations can throw you into a panic if you are not adequately prepared. And this preparedness comes from having travel insurance.

So next time you start planning for your next vacation, also include the cost of the travel medical insurance into your budget. Remember, without travel insurance your planning remains grossly incomplete. Even if you consider yourself in a perfect state of health, you cannot predict when accidents or sickness may befall you. Travel health insurance helps you to be on the safe side, so that you do not get hit with a huge medical bill.

Here is some basic information about travel insurance that will help you be well prepared for anything unexpected during your travels:

* Travel insurance in general does not just cover your medical expenses abroad, but also extends coverage to lost luggage and other personal belongings including passports and money. Repatriation costs are also included in the coverage and the costs incurred due to cancelled or delayed flights are also covered by the travel insurance. If you happen to damage items belonging to a third party, you get liability coverage from your travel insurance company. If you want all these expenses covered by your travel insurance coverage, you should purchase a comprehensive travel insurance policy.

* Most travel insurances generally cover trip cancellation, trip delays, medical and dental expenses, emergency medical transportation, lost luggage, missed connection, itinerary changes, accidental death, any kind of default on the part of airlines, cruise lines and tour operators.

* It is recommended that you buy your travel insurance policy directly from the insurance company, rather than having it as an add-on to your travel package from your travel agent. This will give you considerable savings on the cost of the travel insurance and you will be able to buy a policy with more comprehensive features.

* Do not judge a policy on the basis of its price alone. A cheap policy does not necessarily mean it is a bad policy. On the other hand the more expensive policies may lack some of the more important features. So shop around on the internet, compare the travel insurance quotes and find a travel insurance product that caters to all your needs while traveling abroad.

* Last of all, do not take any travel insurance policy for granted; go through it in detail, take note of the disclaimer and make sure that you do not get cheated on the important provisions of your coverage.

Moving Preparation Key in Home Purchase or Sale Frenzy

Moving is like life, what you make it. Organization in packing and moving can save you time and limit stress at the end of an long process that transitions you into or out of your home. It's easy to delay the laborious task of getting three moving company quotes, finding temporary storage and deciding what to move, donate and throw away. Even the throw away items might need special attention such as paint, old gasoline or computers. As an experienced real estate broker who has seen the right way to move and the all-nighters the last five nights before moving, I can tell you it's much easier on relationships and pets to become proactive in the moving department of your next residential real estate transaction.

Mark Nash author of 1001 Tips for Buying and Selling a Home offers your readers or viewers streamlined tips to make even the most disorganized person have a lower stress experience. Moving day is not packing day, rental moving trucks are in big demand all the time and what's behind you isn't ahead of you should be your mantra for your next move. Put those last three statements on a piece of note paper on your refrigerator as soon as you have a closing date on your home.

- Plan ahead for your move five weeks before moving day. Begin pricing and cleaning items for garage sale. Register children in new school. Verify with insurance agent that your possessions will be covered during your move. Obtain new homeowners and automobile insurance in your destination community.

-Research how moving costs for national moves are calculated. Weight of shipment. Time involved in transport of household goods. The cubic footage of the shipment. Any combination of the above.

-Research moving days and times that are the least popular. Weekdays. September through April. First three weeks of a month.

-1 Month before closing or lease expiration. Fill out change of address order form for the post office. Make moving company appointments for bids or reserve rental truck. Make travel arrangements for you and your family, pets Obtain medical records, including dental, eye, and prescriptions. Set up savings and checking accounts in your new community. Inventory household belongings. Create a photo or video record. Record serial numbers. Start using up inventory of household products and non-perishable food.

-2 Weeks before moving. Inform utilities at current address of disconnection date and forwarding address. Order utilities in destination city. Electric, disposal, newspaper, magazines, telephone, cable, Internet, gas. Confirm travel reservations. If moving out of a condo or apartment building reserve elevator. If moving into a condo or apartment reserve elevator. If moving into condo pay moving in deposit if required by association. Clean rugs or carpets if required by contract. Close bank accounts. Visit and close safety deposit box. Make copies of important documents. Verify insurance coverage during transition from one property to another. Purchase new coverage in destination city. Homeowners and auto. Defrost freezer and deep clean freezer and refrigerator. Send email change of address to family and friends.

-Learn how to move your computer. Make backup copies of all your files. Store and move original program and backup disks separate from your computer. Prepare your hard disk for moving by placing in park and lark position. Pack your computer in the original box and materials. Remove ink cartridges from printer. Insert piece of paper in platen to secure.

-Moving day. Clean house, hire cleaning service if it is too much to do yourself. Check closets, cabinets, basement, and attic one last time for missed items. Carry valuables with you during move. Make sure you have extra cash or traveler’s checks for emergencies during move. Leave welcome note for new owner or tenant.

-Arriving at your new home. Renew auto related registrations, including drivers license. Find services that you will need in your new community. Day care, veterinarian, doctors, hospitals, train/bus, police/fire stations, and lawn/pool services.

-Remember to create an essentials kit for your family that goes with you in transit. Change of clothes.Towels.Over-the-counter and prescription drugs. First aid kit. Toilet paper and paper towels. Flashlight. Pen, pencils, and paper cups.

-Be prepared for your first night in your new home. Post an emergency phone list for your new community on your refrigerator. Change the locks. Change batteries in smoke detectors. Have flashlights handy. Check to see whether all blinds and shades operate correctly before nightfall.