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500 East Absecon Blvd., Absecon, NJ 08201
Personal Protection Bulletin
Ways To Keep Kids Safe During Poison Prevention Month
Children of all ages, including infants, can be poison victims in your home. Understand the dangers as you protect your kids during Poison Prevention Month in March.
Common Poisonous Substances at Home
While you research schools, purchase homeowners insurance and use car seats to protect your kids, you may store dozens of dangerous items within easy reach of your children. Consider this partial list of common yet poisonous household items.
Bug spray and pest traps.
Laundry detergent pods.
Medications, prescription and over-the-counter.
Paint and paint thinner, including nail polish.
Personal care items such as hand sanitizer, soap and peroxide.
Pesticides for your home or garden.
Tobacco, including e-cigarettes and liquid nicotine.
Vitamins and supplements, including gummy varieties.
How to Stop Childhood Poisoning
Protect your children from poisoning when you prevent accidental and intentional poisonings before they occur and have a plan to handle poisoning incidents. Here are the prevention and planning steps you can take.
Lock poisonous substances in a secure location such as an elevated cabinet, locker or bin. Hide the keys from your kids.
Store all poisonous substances away from and out of food and drink containers.
Sort poisons by type.
Store poisonous substances in original packaging. This tip can prevent accidental ingestion since many poisonous substances have an innocent appearance. Original packaging also gives emergency responders important information they can use to treat your kids.
Teach children to follow the “Ask First” rule before they eat anything since poisonous substances often look like food or drink.
Use poisons safely.
Read all labels and cautions on poisonous substance packaging.
Never walk away from or leave cleaning supplies and medications unattended.
Don’t mix cleaning supplies or medications.
Don't refer to the medicines you or your kids take as candy.
Measure and take medications properly and in a well-lit location rather than the dark.
Dispose of all poisonous substances properly and out of your child’s reach.
Use childproof caps, but keep in mind that nothing is completely child-resistant.
Place visitor handbags, purses and coats out of reach since kids can access poisonous substances in these locations.
Plan to act fast. Kids need immediate medical attention after they ingest a poisonous substance.
Place the Poison Control Hotline number (800-222-1222) on speed dial. You should also post it prominently near your home phone and on poisonous substance lockers and give it to babysitters.
Ensure all childcare providers follow these prevention and planning steps.
Use these tips this March to keep your kids safe during Poison Prevention Month. You can visit the
Poison Control Center
for more helpful information.
Glenn Insurance, Inc
DOG-BITES-MAN COSTS INSURERS BIG BUCKS
Insurance companies shelled out $479 million to pay for dog bites last year, up from $413 million in 2010.
One company alone, State Farm, paid more than $109 million in Homeowner claims related to bites. California - which has more people and dogs than any other state - led the nation with 527 State Farm claims costing more than $20 million, followed by Illinois, Texas, and Ohio. The nationwide average claim was $28,800.
Dogs bite some 4.7 million Americans a year, nearly half of them children, Nearly 400,000 of these bites require medical treatment - and an average of 16 result in death.
Children age 5 to 9 are the group most likely to be bitten. The ASPCA predicts that one of every two children in the U.S. will suffer a dog bite before he or she turns 12, in most cases by their own dog or a pooch owned by a friend or neighbor. Seniors are the next most vulnerable group, followed by mail carriers. Dogs bit some 5,600 USPS carriers in each of each of the past two years, costing the Postal Service more than $1 million worth of medical bills in 2011.
Heredity, socialization, training, physical condition, and activities of humans can all affect the animal's propensity to bite. Because children are by far the group most vulnerable to dog bites (a child is 900 times more likely to be attacked than a letter carrier) the ASPCA recommends that youngsters should never:
Maintain eye contact with a dog
Go near a chained canine
Approach or touch a dog who is eating, sleeping, or off-leash
Scream or run if an off-leash dog approaches
Pet a dog without asking its caregiver for permission (it's wise to have the animal sniff your closed hand first - many dogs perceive an open hand as threatening)
Approach a dog from above its eye level
Glenn Insurance, Inc
Are Home DNA Tests Safe?
To celebrate St. Patrick’s Day this March, you may decide to purchase a home DNA kit. The results reveal facts about your ethnicity, ancestry, paternity, and health. However, consider several facts about the use and safety of home DNA tests before you purchase one.
How your DNA is Used by Others
You can learn valuable information from a home DNA test. Your data could be used by other people, too, though, in several ways.
Familial DNA Searches - You could be contacted by family members who may wish to build a relationship or do you harm. Additionally, law enforcement personnel can search DNA sites for familial connections that help them find crime suspects or solve crimes.
Health Recommendations - You can pursue professional medical treatment based on your DNA results, but prescription and over-the-counter drug companies can also access your information and spam you with recommendations for their medications, vitamins and supplements.
Insurance Queries - Life and health insurance companies can access your DNA results, determine if you carry a gene that causes diseases or increases your desire to take risks, and decide if they want to insure you.
Employment Discriminations - The Genetic Information Nondiscrimination Act passed in 2008 forbids employers from hiring or firing anyone based on genetic information. However, your DNA records are public knowledge and easily accessible by employers.
Are DNA Tests Safe?
Your DNA includes your complete genetic code, making it one of your most valuable possessions. For this reason, carefully consider who should have access to your DNA data and sample.
How the company stores, uses and shares your information.
When and how you can access your data and sample.
If your sample will be used for research.
The security of the digitized copy of your data.
What happens to your information if the company is sold or you cancel your account.
Consider skipping the extra questions about your lifestyle, health habits and personal preferences. Anyone can search the site’s database and discover your identity along with your private information.
Consider how the results could affect your family’s privacy. For instance, would you want long-lost relatives to contact you?
Discern if you’re emotionally ready to learn that about illnesses or diseases you could develop. Home DNA companies typically do not include counseling like genetic clinics offer.
Hackers want your personal information, so research the reputation and security protocols of the DNA site before you sign up.
Home DNA testing can reveal amazing details about your ancestors, health and future. Before ordering a kit this St. Patrick’s Day, be sure it’s safe.
Glenn Insurance, Inc
When To Review Your Retirement Plan
Whether you participate in your employer’s 401(k) plan and regularly contribute funds to that account or maintain a retirement savings fund elsewhere, you need to maximize the money you save for your future.
Conduct reviews in several circumstances.
At Least Annually
Once a year, pull out your retirement plan details and evaluate your portfolio. You may want to drop or add funds based on performance and ensure you diversify investments based on your risk tolerance and long-term goals. Use this review to verify your contribution amount and boost or decrease your savings as needed, too.
When you Receive a Raise
You may elect to contribute a percentage of each paycheck to your employer-sponsored retirement fund. Every time you receive a raise, decide if you want to maintain, increase or decrease that percentage. Keep in mind that you can significantly increase your savings over time if you increase your contribution by the amount of your raise.
When you Switch Jobs
Every company offers a different retirement savings plan with different contribution guidelines and matching funds. Check your new employer’s plan, and review your current retirement plan. You may want to roll over funds from an old account into the new account or open a new fund.
After Significant Life Changes
When you get married, have a child or divorce, your financial resources and needs change. Review your entire financial portfolio, including your retirement accounts, to ensure you have enough money to cover current expenses, save an emergency fund and prepare for your future. Additionally, review plan beneficiaries on these accounts and make any necessary changes.
As you Approach Retirement
While you save more money if you start young, you may be able to catch up as you age. Review your specific retirement accounts and projected retirement needs. Increasing your savings or switching to a more conservative or aggressive fund can help you manage your money as you approach retirement. This review may also reveal if you need to cut expenses, prolong retirement or take other measures to boost your savings.
Not Every Month
You may be tempted to make changes to your plan after you open your monthly statement. This strategy may produce short-term results, but fluctuations in the market are normal. If you panic, you could lose out on long-term results, so trust the selections you made during your annual review, and resist the urge to micromanage your plan.
Take responsibility for your financial future when you review your retirement plan regularly. Your financial advisor or plan administrator will assist you with this task. You’ll then have peace of mind knowing that you’re saving enough to retire with confidence.
Glenn Insurance, Inc
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