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Baldwin / Welsh & Parker

Friday, 20 July 2018 02:23

Preventing Heat Stroke

Avoid Heat Illness

When it’s hot outside, your body temperature can rise to dangerous levels. Normally, your body cools itself when you sweat. However, in hot and humid weather, sweating many not be enough. The result can be heat stroke, or heat illness.

Prevention

Extreme heat events, or heat waves, are a leading cause of extreme weather-related deaths in the United States. The number of heat-related deaths is rising. For example, in 1995, 465 heat-related deaths occurred in Chicago. From 1999 to 2010, a total of 7,415 people died of heat-related deaths, an average of about 618 deaths a year. 

Heat-related death or illnesses are preventable if you follow a few simple steps.

Tuesday, 24 July 2018 16:37

Prevent Accidental Pool Drownings

Drowning is the Leading Cause of Unintentional Death in Children Under the Age of 5

This past June, life changed tragically for former Olympic alpine skier Bode Miller and his wife, Morgan Beck Miller. Their 19 month-old daughter, Emmy, drowned as a result of an accident in a neighbor’s pool.

The parents talked openly about the accident during an interview on the “Today” show this week. “I can attest from first-hand experience that it’s unbelievable quick and it’s unbelievable sneaky,” Bode said. He added, “You’d think it’d be, like some weird circumstance or some strange thing. And it’s not. It just happens in the blink of an eye.” The still grieving Millers discussed their commitment to increasing awareness about drowning, which is one of the most common deaths among young children. Bode and Morgan believe it’s their obligation to help prevent this from happening to others parents. “It’s one of those things where, as a parent now,” Morgan said, “when you go to someone else’s house, survey the home to see if it’s a safe place for your child to be.”

 

Drowing Facts

The U.S. Consumer Product Safety Commission recently released its annual report finding that there was no significant increase in the number of reported fatal drownings in swimming pools involving children younger than five since the 2017 report. While this is good news, children under the age of five are still the most vulnerable to accidental drownings. Furthermore, the reported numbers do not include deaths related to pool accidents.

Friday, 08 June 2018 14:40

Boating Safety

In 2017, the Coast Guard counted 4,291 accidents that involved 658 deaths, 2,629 injuries and approximately $46 million dollars of damage to property as a result of recreational boating accidents. 

Where data was known, the vessel types with the highest percentage of deaths were open motorboats, kayaks, and personal watercraft. Water sports, relaxing in the sun and splashing in the water are great ways to make memories with family and friends. Water lovers must be careful to assure that their memories are safe ones. If you are hitting the open waters this season, don’t forget these safety tips.

Heading out for a paddle on a canoe, kayak or standup paddle board? Advance preparation helps to ensure a safe trip. Follow these 12 safety tips to help you enjoy safe paddling: 

Monday, 16 April 2018 16:58

Wedding Insurance - It Really Is A Thing

A wedding can mean a significant investment for couples and their families. According ValuePenguin, the research and analysis company that reports on a variety of personal finance topics, the average cost of a wedding in Massachusetts in 2017 was $39,147.00.

Are you doing everything possible to help protect your wedding investment?

Protect Your Wedding From The Unexpected

Wedding insurance is an effective way to protect your big day from certain unforeseen events.

A hurricane or a bankrupt venue can mean lost deposits and unexpected expenses as couples race to reschedule or find replacement vendors. According to Ed Charlebois, Travelers Vice President of Personal Insurance, wedding insurance provides "a great safeguard to protect your investment, both during and after the wedding.”

From a sudden vendor cancellation to damaged photographs or wedding apparel, wedding insurance protects your wedding day and provides peace of mind.

Distracted Driving Is Getting Worse - Learn What You Can Do To Make The Roads Safer

Today it is easier than ever to become distracted behind the wheel. New technology allows us to make phone calls, dictate texts or emails, and update social media while driving - all actions that are proven to increase crash risk. As a result, thousands are killed every year due to distracted driving.

According to 2016 statistics, the National Safety Council (NSC) estimates as many as 40,000 people died on U.S. roadways, a 6% increase over 2015 statistics and 14% over 2014 -- the most dramatic two-year increase in 53 years.

This month, several organizations, including the National Highway Traffic Safety Administration (NHTSA) and the National Safety Council (NSC), are promoting safety campaigns that encourage drivers to focus on the task of safe, undistracted driving.

 

What Is Distracted Driving?

According to the National Highway Traffic Safety Administration (NHTSA), distracted driving is any activity that diverts attention from driving, including talking or texting on your phone, eating and drinking, talking to people in your vehicle, fiddling with the stereo, entertainment or navigation system—anything that takes your attention away from the task of safe driving.Texting is the most alarming distraction. Sending or reading a text takes your eyes off the road for 5 seconds. At 55 mph, that's like driving the length of an entire football field with your eyes closed.You cannot drive safely unless the task of driving has your full attention. Any non-driving activity you engage in is a potential distraction and increases your risk of crashing.

 

3 Types Of Driving Distractions

There are three main types of distractions while driving:

  1. Visual: taking your eyes off the road
  2. Manual: taking your hands off the wheel
  3. Cognitive: taking your mind off of driving

Texting while driving is especially dangerous because it combines all three types of distraction. Furthermore, sending or reading a text message takes your eyes off the road for about five seconds, long enough to cover a football field while driving at 55 mph.

Thursday, 22 March 2018 16:38

Best & Worst Driving States

Traffic conjestion and safety are the main concerns for all drivers. Although the U.S. has fairly good road infrastructure, it's not consistent throughout the country. In fact, the World Economics Forum places the U.S. at rank 13 of 138 when it comes to road quality.

To identify the states with the most positive driving experiences, WalletHub compared all 50 states across 23 key indicators of a positive commute. Their data set ranges from average gas prices to share of rush-hour traffic congestion to road quality. Read the results, additional commentary from a panel of experts, and a full description of their methodology.

 

Source: WalletHub 
Tuesday, 27 February 2018 15:38

Change Your Security Question Answers Now

The Password Security Answers You Should Not Use

Protect Your Identity and Account Logins

In 2008, a 20-year-old college student hacked the Yahoo! email account for then vice presidential candidate Sarah Palin because he was able to figure out the answers to her password security questions by using Google searches to find her ZIP code, birthdate, and where she met her husband. Today, with so much of our personal information available on social media, strong passwords are no longer enough to divert hackers because many common security questions are not as secure as they once were. 

Hackers Can Easily Learn About Your Online

In addition to using search engines to research information about you, hackers can easily find answers to some of the most common security questions by analyzing your social media profiles. Standard security questions no longer truly help to keep your account safe when the answers can be easily found online.

The Importance of Ladder Safety

March is Ladder Safety Month 

You need to use a ladder for some household jobs, such as cleaning the leaves out of your gutters or touching up the paint on your exterior trim. However, if you reach just a little too far, you may suddenly find yourself on the ground! A fall from a ladder can cause major injuries, some of which can be fatal.

Wednesday, 21 February 2018 00:22

Beware of IRS Taxpayer Scams

The Latest Scam Alert: Scams Targeting Taxpayers

The IRS Urges Taxpayers to Watch Out for Erroneous Refunds; Beware of Fake Calls to Return Money to a Collection Agency

On February 2nd, the Internal Revenue Service warned taxpayers of a quickly growing scam involving erroneous tax refunds being deposited into their bank accounts. The IRS also offered a step-by-step explanation for how to return the funds and avoid being scammed.

Following up on a Security Summit alert, the IRS issued this additional warning about the new scheme after discovering more tax practitioners’ computer files have been breached. In addition, the number of potential taxpayer victims jumped from a few hundred to several thousand in just days. The IRS Criminal Investigation Division continues its investigation into the scope and breadth of this scheme. These criminals have a new twist on an old scam. After stealing client data from tax professionals and filing fraudulent tax returns, these criminals use the taxpayers' real bank accounts for the deposit. Thieves are then using various tactics to reclaim the refund from the taxpayers, and their versions of the scam may continue to evolve.

See IR-2018-27

Know How to Identify IRS Scams

According to the IRS, taxpayers have lost millions of dollars as well as their personal information due to tax scams. And no one is truly safe if they are unaware of what scammers can do. Scammers are quite clever at using postal mail, telephone (both landlines and cell numbers), or email to prey upon individuals, businesses, payroll, and tax professionals.

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