The Fourth of July rings in a day of patriotism and pride. There will be barbeques and picnics, parades and festivals followed by fabulous fireworks displays in towns and cities across the nation.
If you are lucky enough to live in or be in Seattle or Minneapolis, you will be treated to the two best Fourth of July celebrations in the nation. WalletHub factored in 16 metrics – including the duration of the fireworks display, average gas prices and weather forecasts – to pick their 10 best Independence Day celebrations. The rest of the top ten were: New Orleans; Washington, D.C.; Portland, Oregon; St. Louis; San Diego; Milwaukee; San Francisco and Orlando.
Whether it’s on the list of or not, hopefully your community will be holding a celebration too.
If you are planning to set off fireworks in a nearby park or near your home, you are urged to be very careful or skip that part of the celebration. It would be a shame if one of your children was injured or a neighbor’s home was burned by a bottle rocket or sparkler.
According to the Consumer Product Safety Commission, the majority of fireworks injuries in 2014 occurred in the 30 days surrounding the July 4th holiday, resulting in 10,500 people treated in U.S. hospital emergency rooms. Pyrotechnics also caused an estimated 18,000 fires with 11 deaths. Children five to nine years of age had the highest estimated rate of emergency department injuries from fireworks.
The U.S. Consumer Product Safety Commission warns that even sparklers burn at nearly 2,000 degrees, hot enough to melt wood, plastics and some metals, and inflict terrible burns on mostly young people. Most of the injuries were to the hands and fingers, head, face and the eyes; caused mainly from firecrackers, bottle rockets and sparklers. The Alliance to Stop Consumer Fireworks, coordinated by the National Fire Protection Association (NFPA), is calling for an end of the use of personal fireworks. Their goal is to educate parents and caretakers before more people get hurt or burned. They also urge people to attend professional community displays instead of using them at home.
Realizing fireworks are still used by families; the Consumer Product Safety Commission has developed these essential safety tips:
Never allow young children to play with or ignite fireworks
Avoid buying fireworks that are packaged in brown paper because this is often a sign that they were made for professional displays and could pose a danger to consumers
Always have an adult supervise fireworks activities.
Never place any part of your body directly over a fireworks device when lighting the fuse and back up a safe distance immediately after lighting fireworks
Don’t try to re-light or pick up fireworks that have not ignited fully
Never point or throw fireworks at another person
Always keep a bucket of water or a garden hose handy in case of fire or other mishap
Only light fireworks one at a time, then move back quickly
Never carry fireworks in a pocket or shoot them off in metal or glass containers
After fireworks complete their burning, douse the spent device with plenty of water from a bucket or hose before discarding it to prevent a trash fire
Make sure fireworks are legal in your area before buying or using them
Remember, while they may be pretty to watch, the damage from personal use of fireworks is more than just statistics or numbers; they are real victims – sons, daughters, parents and grandparents. Think before someone in your family goes to the emergency room.
High school prom and graduation season is a time for joy and preparing for the future. They are both important rites of passage for our children, but they can also be a dangerous time with many temptations.
While teens are worrying about getting the perfect dress or tux, flowers and hair style, parents are worrying about the safety of their children. These can remain joyous events if parents and children discuss responsible behavior and the repercussions of bad choices.
Communication is the key. Talk with your student about what it was like when you attended prom and graduation, and express your desire for them to have a fun and memorable time too. During your discussion lay out some ground rules about what you expect from your child including:
That they stay in contact with you and provide updates
They let you know who is driving
They inform you where they are going after the event
The agreed time they will be home
And most importantly, talk about the dangers of:
Distractions and distracted behavior (texting, eating or taking eyes off the road while driving to interact with passengers)
Driving under the influence of drugs or alcohol
Not observing speed limits and other road rules
Getting into a vehicle with an impaired or aggressive driver
Not wearing seatbelts
Don’t be afraid to offer your child the option of calling you, with no repercussions, for help or advice if they feel unsafe. Letting your child know they can get a safe ride home, no matter what the circumstances, can save their life.
Safe driving isn’t an accident; it’s the result of strong parental involvement and setting expectations. That’s why California Casualty is a founding member and continued supporter of Impact Teen Drivers, a nonprofit that educates parents and teens about the dangers of distracted and reckless driving. Their presentations and peer-to-peer messaging saves lives.
Most of us spend at least 5 days a week driving to work on a regular basis. So if you commute an hour a day, that is 5 hours a week, 20 hours a month, and 240 hours a year driving. And that’s just driving to work, not including errands run to/from work or on days off.
With that much time in the car, it’s crucial to have good posture while driving. If any of these signs look familiar, it is time to make adjustments.
Bad Posture includes:
Poked Neck
Shoulders Hunched Forward
Upper Back Rounded forward
Pelvis slouched
If you said yes to having any of the above, odds are it came from sitting in front of the computer. These symptoms can lead to bigger issues like constant headaches, back pain, and more. Safety is a top priority, so if any of these next exercises cause more pain, please refrain from doing them.
Seat Adjustment: Keep your seat height high (as it can comfortably go). Make sure you can see complete vision of the road, and your feet can comfortably reach the pedals. If the seat is too low, it will cause slouching and result in rounded posture which is what we want to avoid.
Lumbar Support: See that the back of your seat fits comfortably with the natural arch of your lower back. If your car does not have this feature, use a rolled towel or small pillow instead. If the lumbar support is not correct, this can leave you with the tendency to round your back.
Elbow Position: Keep your elbows low and close to your body, in a comfortable position. Don’t flare them out. This keeps your shoulders safe and in a neutral place. Don’t place your elbows on the side of the window, this makes the elbows flare-ending in bad posture.
Change your Driving Position: Develop a range of different positions for driving. Sitting in the same position can cause discomfort.
As said before, safety is a main concern. Many long–term injuries can be prevented by protecting yourself and maintaining good health.
Do you know anyone, other than an accountant, who really enjoys filing their tax returns? As if it isn’t stressful enough assembling all the documents, trying to decipher the forms and double checking the math, there is a new concern – tax fraud and identity theft. The IRS has noted a 400 percent surge in phishing and malware incidents this year, and the Treasury Inspector General estimates fraudulent returns will add up to $21 billion dollars in 2016.
Once again the IRS is warning that thousands of us are at risk. Most won’t find out until they file their taxes and get notified that someone has already used their Social Security number to claim a false refund. This will result in all kinds of headaches and delay their legitimate return.
Here are the top three of the IRS’s “Dirty Dozen” list of tax scams:
Aggressive phone callers saying they are from the IRS threatening immediate arrest, deportation or license revocation unless you settle an outstanding balance via wire transfer or preloaded debit card
Fake emails purporting to be from the IRS (or TurboTax) asking for “missing” personal information to secure your refund, or directing you to links that contain malware
Fraudulent tax return preparers who use your personal information to perpetrate refund fraud, identity theft and other scams
Keep computers protected with strong passwords and strong virus/malware protection
Avoid phishing scams: don’t respond to emails, tweets or phone calls asking for personal information or payment – the agency never initiates contact via phone, email, text or electronic media
Don’t open attachments in emails unless you’re sure who sent it and why
File returns early and do so electronically
Choose your tax preparer carefully and ask if they have an IRS Preparer Tax Identification Number
Never carry your Social Security card in your purse or wallet
If you receive a suspicious email message, the IRS asks that you forward it to them at phishing@irs.gov. They ask that you report IRS-impersonation calls at www.tigta.gov
While the IRS has instituted new programs and resources to try and prevent tax ID theft, they warn that crooks continue to find new, more sophisticated ways to capitalize on our money. That’s why they have a comprehensive list of information about tax-time identity theft and helpful links at https://www.irs.gov/uac/Identity-Protection.
These are signs that you could be a victim of tax-related identity theft:
More than one tax return was filed using your SSN
You are notified you owe additional tax, have a refund offset or had collection actions taken against you for a year you did not file a tax return
IRS records indicate you received wages or other income from an employer you never worked for
And, if it happens to you it can be costly in both time and money. A Bureau of Justice Statistics survey found the average loss per ID theft victim was $1,343, and most spent at least a full day to clear up the issue, however some didn’t see a resolution for months.
Nobody has time for that. That’s why California Casualty provides free ID theft protection with every auto and home insurance policy. Through our partners at IDT911, not only is your identity and personal information protected, but you’ll work with a resolution specialist in case of:
Tax Fraud
Social Media Compromise
Email Compromise
Child Identity Theft
Break-in Recovery
Travel Identity Theft
Much More
Contact a California Casualty advisor today for a free auto and home insurance policy review and learn about our free ID theft protection at 1.800.800.9410 or visit www.calcas.com/identity-theft.
You’re driving along, paying attention to the traffic around you when suddenly a sight catches your eyes. Could that be what it seems to be? You look again and yes, it’s an electric road sign with a catchy or humorous message.
April is National Distracted Driving Awareness Month. In 2014, more than 3,100 people died and 431,000 were injured in motor vehicle crashes involving distracted drivers. Research finds drivers 15-19 years old were involved in the greatest number of distracted driving crashes, but more and more adults are also using technology behind the wheel.
While it’s a serious problem, some states are using funny or out-of-the-box messaging to discourage dangerous and distracted driving.
If you haven’t seen them, take a look below.
Iowa has been very active in alternative messages to help drivers pay attention:
Arizona is also known for their pop-culture messaging to dissuade drivers from choosing the wrong path behind the wheel:
The Massachusetts Department of Transportation has also used some eye-catching signs:
Even Utah is resorting to some off-the-wall signs, inviting the public to submit messages for their “Message Monday” program, which has produced:
While there is some debate on how well the funny signs work, they are making safe driving a much talked about issue, often shared on social media.
Distracted driving is a real and deadly problem. Reading an average text takes your eyes off the road for 5 seconds. If you are driving 55 miles per hour, that’s like traveling the length of a football field blindfolded.
That’s why it’s imperative that drivers:
Not text while driving
Prevent passengers from loud or distracting behavior
Avoid using cell phones while driving
Don’t eat or drink behind the wheel
Be aware that navigation devices and other electronic devices can cause dangerous distractions to drivers
Wear seat belts, obey traffic laws and keep alert to traffic around them
California Casualty is committed to preventing distracted driving. We’re a founding member and continued partner of the Impact Teen Drivers program that provides proactive, peer-to-peer messaging and education about the dangers of distracted driving. Learn more about the effort at www.impactteendrivers.org.
California Casualty can also protect you from distracted drivers. Contact one of our advisors today to make sure your auto insurance is up-to-date at 1.800.800.9410 or visit www.calcas.com.
Child safety seats save lives. Protecting infants while riding in a car isn’t just a responsibility, it’s the law. Every state in the nation requires children up to three years of age to be secured in car seats, with booster seats required for most children up to 10 years old. Keep in mind that the risk of injury in a crash is reduced 45 percent if children are properly restrained. But how do you know which do the best job of cocooning your most precious cargo?
Consumer Reports has identified the five best car seats for your baby. All five performed well in new front impact tests that simulated a 35 mile per hour crash and scored well for ease-of-use. The new testing procedure is said to provide parents with the information needed to more easily compare the safety of seats designated for infants.
The recommended car seats are:
Chicco KeyFit and KeyFit 30
Combi Shuttle
Cybex Aton 2
Safety 1st onBoard 35 Air
UPPAbaby Mesa
Since the cost of these seats range from $150-to-$300, Consumer Reports lists others that cost slightly less but still perform well overall:
Safety 1st Comfy Carry Elite Plus
Graco SnugRide 30 Classic Connect
The Insurance Institute for Highway Safety (IIHS) also does extensive testing for their booster seat best picks for parents and grandparents. However, anyone who used the 2014 IIHS ratings should know that two of their best booster seat recommendations are now not recommended. The IIHS warns that initial testing on the Eddie Bauer Deluxe Highback 65 and the Safety 1st Summit 65 did not detect issues with the positioning of the shoulder belt. You can see their list here.
When you get the proper car seat, there are some other important facts to keep in mind:
Always do so in the back seat, using the center most position
Make sure to use the correct seat for your child’s age and size
Keep infants in rear facing seats
Secure the seat so it moves no more than one inch from side to side
Just as you want to do everything you can to protect your children, make sure you also have the best auto insurance protection with the discounts you deserve. Contact a California Casualty advisor today for a no- hassle policy review and comparison at 1.800.800.9410 or at www.calcas.com.
