Archives for November 2015
Sometimes sewer backups happen. We look for someone to blame, but often there just isn’t blame to be found. How do we prevent it from happening? And if it does, how do we protect ourselves from the financial storm that follows?
Suppose for a minute that you just spent $10,000 converting an unfinished basement into your awesome new recreation room. Somehow, the sewage backup that occurred three weeks later, ruining your new carpet, furniture and recently installed drywall didn’t factor into your vision of awesomeness. What a horrible, stench-filled mess. You’re disgusted, angry and someone’s going to have to pay for this affront. Wait until you find out that someone is you. Read Story…
Smartphones offer drivers a sense of security, with the promise that help is just a phone call away. But especially in extreme conditions, don’t count on your phone alone to keep you safe or to share your location in an emergency situation. Keep in mind that location services are not always accurate depending on network coverage in your location, the cell tower your phone connects to and other variables.
Take additional precautions before winter travel in case you become stranded in your car. Before setting out, tell your family or a friend which route you will be taking. If you become stranded, it’s better in most cases to stay with your car and let rescuers find you. Keep your phone plugged in and fully charged during your trip to better ensure it operates when needed. But if your smartphone location sharing lets you down, your preparations can keep you safe and comfortable while you wait for help.
On a long, dark winter’s night, there’s nothing more comforting than relaxing by a bright fireplace or cozy woodstove. And with the cold snaps much of North America regularly experiences, it’s understandable if you want to offset high oil and electricity bills by increasing the use of your fireplace or woodstove.
But before you reach for those safety strike matches, consider that the U.S. Fire Administration estimates woodstoves alone are the primary cause of more than 4,000 private residence fires annually. And when you add fireplaces and faulty chimneys to that list, the Chimney Safety Institute of America reports annual average property losses in excess of $30 million.
So even if you’re in a hurry to enjoy your fireplace or stove, it’s essential to first ensure its safe operation. Read on for some best practice tips for burning logs in a fireplace or woodstove.
Home heating fires are the second leading cause of home fire deaths after cooking fires, according to the National Fire Protection Association. Fireplaces, chimneys and flues account for a significant number of home heating fires.
Homeowners with a wood-burning fireplace or solid fuel stove or insert can protect your property and your family by having a qualified professional inspect and clean your chimney at least annually to prevent a buildup of creosote. Read Story…
Please join ACHRM (Association for Corporate Health Risk Management) for this workshop: Containing Employer’s Healthcare Costs Through Primary Care Solutions in Hagerstown, MD. Parking will be in the silver parking area behind the building and come in through the silver entrance.
- Reducing Healthcare costs by implementing an effective primary care strategy.
- Evaluating primary care solutions.
- How can my local community health system assist?
- What role does my broker/consultant play?
8:00-8:15 Introductory Comments
- Bill Lacy, ACHM
- Tammy Thorton, Healthiest Maryland Businesses Western Maryland Region
- Paul Frey, Hagerstown Chamber of Commerce
8:15-9:15 Moderated Panelists
- Mindi Glover-Siegfried, Volvo GTO Hagerstown
- Joelle Butler, Hopewell Family Practice
- Karen Dillard, Hopewell Family Practice
- Deb Hebb, Keller Stonebraker Insurance
- Bill Lacy, ACHRM (Moderator)
Wrap-up/Next steps & Continued Networking
If you are the officer, owner or director who makes the decisions about your company’s employee benefit plans, your personal assets may be at stake without the protection of fiduciary and employee benefits coverage. Read More…