Daily Preparedness

Dealing with a chronic or rare disease (or merely being mortal) often leads one into the forest of “All Natural Supplements, Ointments, Cure-Alls and Wonder Drugs.” Navigating between the hype, the ridiculous and the dangerous can be an exhausting business. Products that are harmless but expensive are not safe to our wallets. Products that are potentially harmful to us are often disguised as ‘all natural supplements’ that could interact with prescribed medications or contain serious (though natural) products. How do we protect ourselves and our wallets while remaining open to the possibility of improving our condition?

First, a few relevant bits of wisdom to keep in mind:

• Most manufactured medications are based on ‘natural’ ingredients. For instance, aspirin is merely a chemically reproduced form of white willow bark. White willow bark contains most of the properties of aspirin and must be treated as such. For instance, it is a great anti-inflammatory and pain reliever, but it also thins the blood and interacts with a number of medications & conditions.
• Natural remedies MUST be treated with extreme respect and researched thoroughly via independent resources. Many ‘natural’ substances are wonderful to use in the place of prescription medications, BUT one must be certain of the research, the potential risks and the cost implications.
• The supplement and vitamin market is essentially unregulated, untested and unsupervised. Valid scientific research has shown a wide variation in ingredient strength, quantity of active ingredient and verification of ‘research.’
• The supplement and natural remedy business generates billions and billions of dollars per year. It is a business, unfortunately, full of charlatans, snake oil salesmen and abuse. Buyer beware should be the basis of all decisions you make when entering this world.
• Learn and understand what true peer reviewed scientific literature is. Some of the most infamous charlatans publish their own ‘vanity’ pieces, mostly in online publications. Their review process is highly flawed and their ‘research’ is aimed at selling their product.
• There is little valid peer reviewed research into the interactions between ‘natural’ remedies and prescribed medication. ALWAYS ask your pharmacist if they are aware of any interactions between what you are currently taking and what you think you might want to take. A responsible pharmacist can run a quick search and tell you if there is solid research. They may also be able to tell you which manufactured medication correlates with the ’supplement’.
• ALL ‘remedies’ that we swallow, apply, inject or soak in should be carefully considered. Our bodies are sacred and it is our job to protect them as much as possible.
• A physician recommending a product does not necessarily mean that it is safe, effective OR cost appropriate. Be wary of a physician that is constantly jumping on the latest medical fad bandwagon!

Now that we have the ground work laid, how do we quickly and effectively research the latest ‘wonder cure all’? Having done this a few dozen times over the last decade (and not being a medical professional), I will use my latest product research to outline the steps you might want to consider.

Fellow individuals with a rare genetic disorder, Dercum’s Disease, recommended a topical pain relief ointment known as DRL 100. At $19.95 (plus S& H), it is rather dangerous to the wallet, but maybe worth it if it relieved the constant pain of Dercum’s. The steps I followed to research this possible ‘wonder drug’ apply to any supplement, vitamin, ointment, salve, injection or treatment.

1. Learn to read the label! The most important item is ‘active ingredients.’ These are the ingredients that are in substantial enough quantities to do something for you. In the case of DRL 100, the only active ingredient is menthol. The label states it contains ‘hyaluronan,’ a supposed miraculous pain reliever. The inactive ingredients list hyaluronic acid, but being listed where it is indicates that legally it contains so little that it is useless–essentially enough to be able to list it, but not enough to do anything.
2. Learn what the active ingredient actually does. Menthol (Methyl Salicylate), the active ingredient in DRL 100, is an age-old local pain reliever. Menthol does not actually numb the area, but rather floods the brain with so much incoming data that the brain essentially ‘forgets’ the pain in the area. Muscles relax, the skin feels cool and the pain is ‘gone.’ It works and is essentially harmless UNLESS you have certain underlying conditions or medications. For instance, menthol creams interact with blood thinners, increasing the risk of adverse side effects (as in internal bleeding, hemorrhaging from a simple cut, having a stroke). It should not be applied to broken skin or those with allergies to certain foods or ointments. Pregnancy is also listed as a possible prohibitive condition. Menthol is cheap, readily available in a variety of preparations and well known. It is essentially ’safe,’ but the price of DRL 100 is exorbitant. Similar products are available for less than $5 for 2 ounces.
3. Run it past the pharmacist. Give them a list of the active ingredients and ask if it interacts with anything you are taking. When I did this, the pharmacist recommended multiple over-the-counter preparations that would do exactly the same thing at a fraction of the cost. It is even possible to order menthol and add peppermint if you prefer the smell of peppermint. (Peppermint is a relaxing smell to the human brain). For the price of 2 ounces of DRL 100, you could make a quart or more of stronger menthol cream.
4. Research the company. Though this step wasn’t necessary for the DRL 100, I did it out of curiosity because the product is being hyped to a group of folks who already have enough problems! I simply googled the manufacturer, Dermal Research Laboratories. I skipped all of the sales pitch sites and found them listed on ‘corporationwiki,’ which provided a link to Dun & Bradstreet, a highly respected collective of corporate information.
5. From the above, I found the names of the two principles of the company as well as their business address, which was limited to a Post Office Box (always a bit questionable). I also located their company phone number. A sidebar listed a street address, which confirmed what I found below.
6. I used the company phone number to perform a reverse phone number search, which revealed that it was co-listed as the ‘business’ phone for Dermal Research Laboratories and a home number for one of the principles. The address tied to that phone number was the home address of one of the company principles.
7. In order to double check that the address was a home, I utilized google maps and mapquest. Their satellite imaging confirmed that the ‘business’ location for Dermal Research Laboratories is a very nice home in a very nice residential area. No serious laboratory here. No research facility. No large scale shipping facility. Just a nice suburban neighborhood (as in VERY nice). I am not against home based businesses; I think they are wonderful. BUT, they are not serious scientific research laboratories producing serious life-altering products. Supposed medical miracles produced in someone’s home are most likely paying for that very nice home in a very nice neighborhood.

Navigating the forest of alternative medicine can be frustrating, confusing and potentially dangerous. Before investing in the newest wonder drug, supplement, treatment or diet, do a bit of research on your own. Thirty minutes of your time may not only save you money, suffering and frustration—it may even save your life…..and that is provident living at its best!

After quite an absence to ’savor’ 10 weeks of IV antibiotics and then the crunch of Christmas, it is time once again to get organized! There is no better time than the beginning of a new year to re-evaluate, re-organize and re-do those areas of our lives that could use a bit of attention.

One of the rooms that is often most lacking in usable storage is the bathroom. We need to store necessities and frivolities while protecting them from the range of temperature and humidity that are common in bathrooms. It is also a room that needs to be cleaned frequently and well, which means that the little stuff needs to be put away! A bathroom that is orderly is a bathroom that is easier to clean.

AS YOU ORGANIZE, BE CERTAIN THAT YOU HAVE CHILDPROOFED YOUR BATHROOM!!! THE CLEANERS, MEDICATIONS, RAZORS, COSMETICS, PERFUMES & ASSORTED SMALL ITEMS OFTEN FOUND IN A BATHROOM ARE ALL POTENTIALLY DANGEROUS ITEMS FOR YOUNG CHILDREN OR PETS. IF ANYONE IN YOUR HOME IS EVEN SLIGHTLY MOBILITY IMPAIRED, HAVE GRAB BARS INSTALLED NEAR TUB.

Let’s first look at the necessities. Toilet paper needs to be accessible and readily restocked. A few ideas to consider: decorative baskets, bins in a cabinet (small inexpensive trash cans work well under sinks to hold ’stuff’), over the toilet cabinets, holders designed to sit on the floor and holders designed to hang from the tank are a few options. Extra toilet paper should ideally be stored nearby. Think about storing extra in an under-the-bed box, on the top shelf of a closet, on the floor of your linen closet or even in decorative hat boxes.

Sanitary supplies can become a jumbled up nightmare without some organization. Again, small, thin and inexpensive trash cans are great for sliding in cabinets. They will protect your products while organizing them. Their slender size allows several to stand side-by-side in a typical under the sink cabinet. If you store extra supplies, store them elsewhere but still accessible. The suggestions for toilet paper can apply to this category.

Have holders in your tub or shower for shampoos, conditioners, shower gels, etc. Holders can be found that hang from the shower head, the shower curtain rod, the wall or with tension rods. Whatever you choose, dispose of empty containers quickly and replace items as they are used.

If you have trouble keeping up with clean towels, install an extra towel bar. Doubling your in-the-bathroom storage capability will save those hysterical calls of “I need a towel!” Have a hamper to hold soiled towels and teach your family to use it.

Medications that will be stored for long periods of time should be stored outside of the bathroom. The heat and humidity of the bathroom will reduce the shelf life of most medications. Keep your current medications well labeled and safely stored. If you take more than one medication at the beginning or end of a day, invest in a plastic pill case that you can fill for weeks at a time.  Make it a point to regularly dispose of medications you no longer need. Store your current medications either in a medicine cabinet or a set of drawers (only if you do not have small children in your home). If you have trouble reading the small print on the medication label, write the medication name on the top of the lid or across the label with a permanent marker.

Emily T. suggested storing first aid supplies in a cabinet made up of small drawers, typically used for small hardware parts. She has the drawers clearly labeled as to their contents. In an emergency, she can quickly locate what she needs. Inventorying her supplies is easy.

Small drawers of all sorts are great ways to organize any number of items commonly found in a bathroom. We have more counter space than drawer space. We extended our storage capability by purchasing a small shelf ‘tower’ that sits on the counter. The tower holds several sets of small drawers that hold commonly worn jewelry, deodorant, dental floss and host of other items.  Each drawer has a ‘theme’ of the type of item it holds. One shelf has small trays on it to manage bottles of ’stuff’. Another has a set of very small drawers that hold cotton swabs, make-up sponges & other very small items.

If you have larger drawers, inexpensive plastic silverware trays will help organize items within the drawer. Cosmetics, razors, brushes, combs, etc, etc, etc. can be grouped together in one drawer and then kept manageable by the dividers. There are a variety of drawer organizing systems on the market, widely available at discount stores, hardware stores and online.

Install hooks on back of doors & walls to hold bathrobes, towels, etc.

Be sure to have a toilet bowl brush for every bathroom, as well as a supply of necessary cleaners.

A small, lined trash can is a necessity in every well organized bathroom. Line it with shopping bags or small trash bags to make clean up easier. Store extra bags in the bottom of the trash can.

Under sink cabinets can become orderly in minutes by utilizing small, thin trashcans, wire racks, pull out shelving, small drawer sets and stair-step type shelving. Add hooks to the inside of the cabinet doors to hang small items.

A divided laundry hamper with sections for each type of laundry will speed sorting and help keep dirty clothes off the floor.

Organizing your bathroom should take only a few hours. As you organize, check for expiration dates, products you no longer use, empty containers and duplicates. Make note of everything you need to store and then find the perfect solution for your organized bathroom!

September is National Preparedness Month (also National Sewing Month) and in honor of this month long celebration of all things prepared, let’s all commit to make and keep at least ONE goal related to our overall preparedness status. Before welcoming in the upcoming holiday season, use September to analyze your current state of affairs and find at least one area in which you could improve. Make a plan and follow through with it! Over achievers, or simply truly concerned folks, might go for a goal a week.

National Preparedness Month can be a family affair. Simply assign different family members different goals to accomplish. Or have each family member learn one new skill and then share it with others.

To get you going, here a few of possibilities:

• Winter preparation: Check roofing, downspouts, chimney, driveways, drainage areas, basement, supply of de-icing chemicals & equipment, car tires, preparations for being snowed or iced ‘in’, supplies in case your power is out (such as candles, flashlights, warm clothing, alternative heat source, phones, batteries, etc), well sealed windows & doors, sidewalks and weakened tree limbs.
• Food storage: Do you have at least a 3-month supply of food in your house? A year’s supply of necessities? Two weeks worth of food you could eat with little or no power? Are your supplies well organized? Have you checked expiration dates lately?
• ‘Bug Out’ or 72-hour kits: Double check food, clothing and other supplies. Consider a small one for your office and car. Rotate what needs to be rotated. If you don’t have one, assemble one this month.
• Financial preparedness: Review your current benefits to be certain that you have the appropriate beneficiaries on life insurance, 401K, retirement plans, IRA accounts, etc. Are your records up to date? Securely filed? Taxes on target? What about debt load? If in debt, are you working to get out of it as quickly as possible? Could you trim expenses to save more? Is your resume up to date? Are you constantly looking for jobs in case you loose the one you have? Have you reviewed your budget lately to see where your money is going? Do you have adequate cash available for emergencies?
• What emergencies might you face? What natural or man-made disasters might your area experience? What can you do to prepare? How would you be warned or forewarned? If you had to evacuate where would you go? Thinking through the possibilities and planning ahead can save panic, indecision and unnecessary delays.
• Paper prepared? Are your important ‘paper’s in order? Can you grab them quickly? Does someone else know where you store vital information? Do you have a will or trust? (PLEASE get one now!) Guardians for your children? If you don’t have one, prepare a ‘What If? Notebook’. If you have one, update it.
• Workplace preparedness? Do you have a mini-’bug out’ kit at work? Do you know your company’s telecommuting policy in the event of snow or similar events that might make it impossible for you to get to work? Is there an evacuation plan? Fire safety plan? What if you had to evacuate—where would you go? How would you get home if you could not return to your vehicle? What if public transportation were disrupted? If you can’t get home, how will you contact your family? Take care of children or other dependents?
• Special needs preparedness. Do you have family members who may need special help during an emergency?  Are medications handy? Do you keep at least a four day supply, two weeks is better? Are there family members with mobility or cognitive disorders? How will their needs be met in a variety of emergencies? Is there equipment that requires electricity? Is there a care plan if the caregiver is disabled or cannot get home?
• Home Safety Audit. Check your home carefully for loose wiring, inappropriate extension cords, broken tiles, lack of childproofing where there should be, wobbly furniture, loose hand rails, electrical issues, cracked windows, doors that jam, leaks, temperature of hot water…be your own worst critic and see what you can find that should be fixed.
• Skills. What could you learn this month that would help you live more providently? Sewing? (It is National Sewing Month after all) Cooking? Baking? Canning? Gardening? Food preservation? Home repair? Budgeting? Job skills? First Aid? CPR? Alternative fuels? Alternative cooking methods? Bargain shopping? Re-purposing?
• Education. Are you continuing to learn? Are you helping your children develop a love of learning? What about a realistic view of college & the earning potential of different degrees? Vocational skills as a back up? Or a primary career path? Are you in touch with your children’s teachers? How safe is their school environment? What if the school is evacuated?
• Clean up! Clean out closets, donating what you do not use or ‘re-purpose (up-cycling is the cool phrase) it into something useful. Give your home a thorough clean out, dusting away summer’s dust. Check for signs of bugs or other unwelcome guests. Toss out out-dated medications. Get your home organized!
• Make a plan for holiday gift giving and associated expenses. Determine your budget NOW and then make a plan to accomplish all you need to before that ‘holly jolly budget-draining’ time of year is upon you. While cleaning your house, you might keep an eye out for items that may have been tucked away for a gift-giving occasion! If you plan on making gifts, now is the time to get started.

The possibilities are absolutely endless and there is abundant information available for free!  Any progress you make is wonderful, so pat yourself on the back and remember that provident living is not a one-time event, but a lifestyle!

For thousands and thousands of young adults, the end of summer heralds the beginning of their life as a college student. Whether you are a student or the parent of a student, take a few minutes to think through and prepare for this important and challenging time of life. In addition to tuition, housing, books and challenge of potentially living independently for the first time in their lives, college bound students should also consider a few ‘provident pointers’ of their own:

• Cell phone: Everyone seems to have one and they can be a true life line. Before purchasing a new phone or plan, be certain that the phone is usable/has coverage on the college campus. It is often wise to include the student’s phone in the family plan so that the student can call family members frequently.
• Banking: Open accounts that are convenient for the student and possibly the parents. Every student should be familiar with ATM safety and the safe guarding of personal information. A small personal shredder is a wise investment.
• Medical care: Find out now if your family health insurance covers the student away from home. Before signing up for student health insurance, be certain to read the fine print. Students might want to signing a medical power of attorney naming granting both parents the right to speak to medical providers concerning their care. Without such paperwork, providers are not legally allowed to discuss the student’s condition with anyone. Students should have a written copy of their medical history and current medications. For any ongoing medical issue, locate a physician near the college campus that will provide continuity of care.
• Personal safety. Many young adults are still in the ‘invincible’ phase of life. Others are trusting or believe that if they are headed to a religiously oriented school ‘all is well’. Review the importance of personal safety, including your photo & personal identity! Be self-confident, but aware. “The Gift Of Fear” is great pre-college reading for everyone.  Shred documents with personal information, safeguard belongings and avoid leaving expensive items unprotected. Be cautious about what you post online–never give your real name, make of car, schedule, school name, dorm name, etc. Predators will watch social networking sites and gather such information. Be smart!!
• Cars. If taking a car to school, be certain that their is adequate and well lit parking available. Obtain necessary parking permits, insurance coverage, a spare key, documents and emergency supplies for the car. Never overload a car or loan it to friends.
• Be space conscious. When planning what to take to that first dorm room, be certain that you know the capacity of the room! If possible, coordinate what will be brought with future room mates. Most dorm rooms are sadly lacking in space!
• Emergency preparedness. Pack a mini-72 hour kit for your dorm room. Be certain to have some well hidden cash, power bars, water, first aid supplies and basic medications.
• Debt. Remember that loans must be paid back. Review the true cost of credit and to limit their use student loans to absolutely necessary EDUCATIONAL expenses. Many college students are flooded with credit card offers and find themselves graduating with staggering debt loads.
• Life Skills. Every student should know the basics of laundry, healthy eating, financial record keeping, smart shopping, cooking, first aid and cleaning before heading off to college.
• Textbooks. Before shelling out a small fortune for textbooks, check carefully for used books. Check online sources for cheaper books–the savings can be substantial. Keep receipts for all books you purchase in case you drop a class! Keep your books in good condition and sell them back at the first opportunity (or sell them privately).
• Hand Washing & Health. Get in the habit of washing your hands often and well. This is your best defense about a wide variety of ailments. Take good care of your body–get enough sleep, eat well and sleep an adequate amount.
• Conflict. Learn how to peacefully resolve conflict–whether it is with your room mate, study group, classmates or friends.
• Stay connected. Stay connected with your family, life long friends and church. Though college is a time to begin ‘adult life,’ the anchors that have kept you steady are a source of strength, guidance and wisdom that you will need more than ever.

The college years are exciting and challenging. Good decisions, wise planning and some self-discipline will pave the way for success now and in the future!

Ah, finally Spring has arrived. The birds are chirping, the sun is shining and you can’t wait to get outside without being bundled in layers of clothing. WAIT! Before you leap into the beauty of the season, take a few hours to inspect your home. Winter, especially ones with severe weather, can cause a multitude of problems inside and outside your home. A few minutes (okay hours) now could save you thousands of dollars and untold heartache later. If you are renting your home, you would be wise to follow this checklist. Though you are not usually responsible for repairs, the resulting damage will impact your life and wallet. Report any discrepancies to your landlord/property manager.

To speed up your inspection, here is a handy dandy checklist of items you should check!

1. Kitchen

• Turn on all of the light switches. Wait an hour and see if any are warm. If they are, have an electrician check them for shorts.
• Change the filters in your refrigerator and sink (if you have one).
• Check appliance cords for signs of wear and tear.
• Clean the inside of your dishwasher. Set the washer for a short cycle. Once it is filled with water, carefully open the dishwasher and add one gallon of white vinegar. Continue with the cycle. When completed, wipe down the interior. Check the gaskets for signs of damage.
• Be certain your drains are running easily. A simple way to refresh the drains and garbage disposal is to pour a cup of baking soda down the drain. Add up to a quart of vinegar and stand back. Leave mixture alone for an hour and then flush with hot water.
• Check window trims for signs of leaking or loose caulk.
• Remove and clean the filter on your range hood. Clean the hood thoroughly.
• Check the microwave. Clean it thoroughly. Food particles adhering to the interior may be growing bacteria. When you microwave something new, these particles may fall on your food.
• Run the oven through a self-cleaning phase or clean with an oven cleaner. (Be sure to wear gloves and open a window)
• Check under the sink for signs of leaks. Consider installing inexpensive water leak detectors. (These battery operated devices are available for less than $20 at any home improvement store. They should be placed near any area where you think a leak may occur–under sinks, near hot water heaters, sump pumps, basement doors, etc. They emit a loud, piercing alarm as soon as they detect water.)
• Pull out the stove and clean under it. Grease trapped under a stove can become a fire hazard. Food stuff can attract vermin you don’t want.
• Check the cabinets for signs of insects or other unwanted guests.
• Have a fire extinguisher handy and check the expiration date.

2. Bathrooms

• Check cabinets, tub, shower & toilets for signs of leak & install inexpensive water leak detectors.
• Place a few drops of food coloring in the tank of toilet. Check back in an hour or two. If the water in the bowl is colored, you need to replace the flap valve unit in the tank.
• Test any ground fault circuit breakers that you have.
• Check shower curtain liners for signs of mold or mildew. Replace if needed.
• Check caulk around all surfaces. There should be no breaks, cracks or spots that are showing signs of mold.
• Clean out medicine cabinets and dispose of expired prescription or OTC meds.
• Clean drains as above in kitchen section. Make sure toilet is running well & filling appropriately.

3. Entire House

• Replace batteries in all smoke/fire/carbon monoxide detectors. Test and clean units.
• Replace furnace/air filters. Check duct work for signs of dirt or corrosion. Clean vents.
• Replace light bulbs as needed. Be certain all light bulbs are the appropriate wattage for the fixture.
• Clean dryer lint trap under running water. Check outside exhaust for lint build up. Clean lint trap. Clean under and around dryer. (Lint is highly flammable!)
• Have furnace and a/c unit inspected and serviced. You can do a preliminary inspection by looking for signs of corrosion, scale, funny noises or odd smells. If you suspect a gas leak LEAVE and call for professional help. If there is a serious gas leak, LEAVE and call 911.
• Have chimney cleaned if you used it over the winter. Chimney fires can smolder for hours before erupting.
• Clean out the fireplace. Remove all ash and clean all surfaces.
• Clean your clothes washer as you did your dishwasher. Install water detector alarm.
• Check area around your sump pump for signs of wear or corrosion. Consider installing a back-up battery operated unit. Install water detector alarm.
• Check all light switches as described in kitchen section.
• Check all water supply lines (don’t forget the line to the refrigerator) for signs of wear, corrosion, cracks or leaks. Test the shut off valves to make sure they work (and you know where they are!)
• Check all power cords.
• Check ceilings for signs of water leaks. If you see any, have your roof inspected (See below).
• Check all windows and doors for air leaks. Inspect caulking and weather stripping.
• Protect your valuable appliances, computers, TVs, etc with surge protectors. Consider installing a whole house surge protector.
• Inspect and test your security alarm system.
• Consult your owner’s manual and check your hot water heater. Install water detection alarm!
• Test the batteries in your water detection alarms.
• Check the attic for signs of leaks, birds, rodents, insects or missing/damaged installation.
• Vacuum upholstery and mattresses. Wash mattress and pillow covers as recommended.
• Inspect stair railings. Be certain they are snug and do not flex inappropriately.
• Inspect beds and cribs used by children. Be certain they are safe & secure.
• Inspect any child safety gates that you have installed.
• If you use child safety devices such as outlet plugs, cabinet locks, etc. inspect them.
• As you put away your child’s toys, sleds, winter gear, etc. inspect for loose parts, damage, etc.

4. Outside Grab some binoculars and head out into the fresh air!

• Stand away from the house and using binoculars, inspect your roof for signs of damage. Look for shingles that are missing, curling or bending at odd angles. Look at the roof ridge vent and check for loose portions or signs of wear. Look at the flashing around chimneys, checking for signs of corrosion, cracks, separation or lifting from the roof. Look at the siding under the roof eaves. If you see damage, this may indicate that an ice dam caused damage to the roof and the siding.
• If you see damage to your roof, get estimates from at least three different roofers. Be certain repair estimates are in writing and that the company offers a solid guarantee. Be extremely cautious in attempting any repairs to your own roof.
• Inspect your gutters. Again, use your binoculars and look for separation from the roof line, cracks, clogs, corrosion or bending of the gutter line. If you see damage, get several estimates.
• Use those binoculars again to scan any power lines above or around your house. Report any concerns to the appropriate utility. Be certain that trees are not encroaching on lines. NEVER attempt to work near a power line.
• Clean or have your gutters cleaned. Be certain that run-off positions are causing the water to run away from the foundation of your home. Install extenders if necessary.
• Clear debris, leaves and foliage from your foundation. Plants should encourage water to flow away from your home. Having plants up against the foundation encourages water retention, rodents & insects.
• With your binoculars, inspect all trees around your home. Look for limbs that show signs of breaking, strain or hanging at odd angles. Look for branches or limbs that have broken off but are stuck on lower branches of the tree. Consider hiring a professional to remove any damaged limbs. Again, get multiple estimates.
• If you are storing large amounts of water, this is a good time to drain the barrels, clean them and refill them. Look for signs of corrosion, damage, etc.
• Check your deck! Look for water stains where the deck attaches to the house. Ongoing water damage can weaken the deck and your home. Consult a professional (remember estimates) if you suspect damage of this sort. Look for signs of rot, loose boards, shaky handrails, nails pulling loose and splinters.
• Clean your deck to rid it of moss and mold. Reseal if needed.
• Check your foundation for cracks. If you see any, mark with tape and check again in a few months. If they remain stable, simply fill with an epoxy or foam product. If the cracks increase, consult a structural engineer.
• Check the foundation area for pellet-shaped droppings or shed wings from termites.
• Be certain that the ground around the foundation slopes away at about 1″ per foot. If needed, add compacted soil to increase slope.
• Fill in any low spots where water pools. Near the house, these can lead to foundation leaks. Away from the house, they are breeding grounds for mosquitoes.
• Remove branches and other debris from your yard.
• Move firewood well away from house.
• Fill in gaps in siding or foundation with expanding foam product.
• Inspect your siding for signs of damage. Repaint as needed.
• Inspect all wood surfaces. Gently probe with a screwdriver. If you feel the wood give way, you may need to replace it. Repaint and caulk as needed.
• Inspect brick work for signs of cracking or chipping away of the brick. If a brick surface is damaged, reseal it with an appropriate product.
• Inspect your driveway and walkways for cracks, fissures or chipped areas. Repair to prevent falls.
• Check outside hose faucets for damage. Be certain they shut off completely and that there are no interior leaks when they are used. Check hoses for rot, cracks, wear, etc.
• Have a qualified technician inspect and service your a/c unit now before it gets hot! There are still tax credits available for upgrading units.

5. Garage and Cars

• Check your garage for oil stains and clean.
• Inspect the ceiling/under side of the roof for signs of leaking.
• Sweep up any spills. Be especially careful to sweep up spills of ice melting chemicals.
• Dispose of old chemicals, cleaning agents, paints, etc per local regulations.
• Thoroughly test your garage door:  Place a 2×4 or other 4″ structure on the floor where the garage door closes. Close the garage door. When the door hits the 4″ structure, it should immediately reverse direction. Next, cover an electric eye as the door is closing. The door should stop immediately and reverse. (You may be able to easily adjust the eye. If you cannot, see below) Next, disengage the electric garage door opener and open the door manually. It should rise and lower easily and evenly. If the door fails any of these tests, have a professional inspect and repair it.
• Inspect the exterior of your garage door for signs of flaking paint, leaks, water damage, etc.
• Wash the inside and outside of your cars. Chemicals and sand used to treat snowy/icy streets are hard on your car’s interior and exterior. Vacuum the carpets thoroughly.
• Check tire pressure, oil, washer fluid, antifreeze, etc.
• Look at the car’s engine. Inspect belts and hoses for signs of cracks, wear or weakness.
• Check the a/c coolant level.

A few hours in these early days of Spring may very well save you hours, dollars and heartache later on. These inspections can be done quickly, easily and spread out over time. Enjoy the beautiful weather and stay safe!

One of the most common medical errors that can lead to serious illness or even death is one that you can help prevent. Approximately 1.3 million Americans are injured annually due to errors in the administration of medications. Though many of these errors occur in hospital settings, many occur in our own homes. The vast majority of these errors can be prevented by YOU and those you love. What can you do to protect yourself?

1. Know that the elderly and chronically ill are the most likely to be victims of medication errors. Both groups are most likely to have a larger than average number of prescription medications prescribed for them.

2. Children may be at a higher risk because their smaller body size makes it more likely that a dosing or drug interaction error will cause serious harm or death.

3. FULLY UNDERSTAND that medication errors can be fatal.

4. When prescribed a medication, be certain that the doctor explains why you are being prescribed this medication, what the medication should do for you, what the side effects are and how you should take the medication. For instance, should it be taken with meals, before a meal, at bedtime, etc.

5. Always provide every health care professional (including the pharmacist) with a complete list of ALL prescription medications, over-the-counter medications, supplements, herbal products, homeopathic remedies and vitamins that you take. Include the name of the medication, the dosage, how long you have been taking it and the medication’s use.

6. Understand that there is limited, peer-reviewed science based research into the interaction of herbal products, supplements and homepathic remedies. Most of these substances are NOT tested by independent peer-reviewed research nor their quality and potency regulated. Be certain that you fully research any ‘natural’ product that is recommended to you. Many of these products are the ‘natural’ version of powerful prescription medications. For instance, foxglove is merely natural digitalis, which can alter heart rhythms. Echinacea can lead to permanent liver damage, especially if used in combination with other medications/supplements. Prescription medications can interact with a wide range of products and there is, again, limited knowledge as to the interaction of prescription (or over-the-counter medications) and ‘alternative therapies’. Even simple vitamins can lead to overdoses and drug interactions.

7. Before taking a new medication, know how the drug is supposed to help you and all possible side effects.

8. Know what your medications look like. If you receive a new prescription and the medication looks different, do not take it until you speak with a pharmacist. Preferably, the pharmacy will have alerted you to a change in the appearance of your medication.

9. If hospitalized, ask what each medication you are being given is and what it is for. Competent staff will tell you the name of the medication before giving it to you. If they do not, be extra cautious. Again, if the medication looks different than what you normally see, ask!! Know what the dosage prescribed is. If something seems ‘off’, stop and ask to speak to a supervisor. My daughter was nearly killed in a hospital when a nurse attempted to administer 100 times the prescribed dose of a pain killer. The nurse had ‘misread’ where the decimal point was.

10. If the dosage and frequency of taking a medication is different than your physician told you, ASK questions!

11. Be certain that you are taking your medications exactly as prescribed. Regularly review the instructions on your prescription bottles!

12. If you take multiple medications, or care for someone who does, consider using a medication minder container. Many types are available at a variety of price points. These specially designed containers can be a great help in being certain that you are taking your medications as prescribed. This is vitally important for the elderly or anyone who may have memory issues.

13. Periodically review with your physician the medications you are taking. Each office visit should include a review of your medication, including when you need a new prescription written. Again, the elderly are most likely to have too many medications prescribed for them, often creating secondary problems. If a new symptom appears, ask the pharmacist if this could be a reaction to a medication.

14. When prescribed a medication, ask if there is a generic alternative which may save you money. Often, prescribers will merely write for the newest medication when an older, proven medication may work just as well. Also ask if there is an alternative to medication. Could you achieve the same results through lifestyle or diet changes?

15. Choose carefully and use one pharmacy for all of your prescriptions. Some points to consider when choosing a pharmacy:

• Is there a pharmacist available to answer all of your questions?
• Know the role of pharmacy technicians. Though they may perform many tasks within a pharmacy, including accepting prescriptions from you, they should not be answering questions about your medication’s interactions, uses and side effects.
• Does the pharmacist have time to talk to you in person or on the phone? If not, they may be over-worked which leads to more errors. Some pharmacies evaluate pharmacists on the number or prescriptions they fill per hour, not the number of customers they serve.
• Does the pharmacist answer your questions about drug interactions? If you are on medications for serious pain, heart problems, liver disease or kidney disease (or other serious long-term illnesses), be certain that you ask the pharmacist before taking over-the-counter, herbal or supplement preparations. Pharmacists should be able to answer your questions, with the exception of some herbal & ‘natural’ remedies that have not been well researched.
• Is the pharmacy efficient? Are prescriptions filled when they say they will be? An efficient pharmacy should be able to estimate when your prescription will be ready and alert you to possible delays. If they are chronically misrepresenting the time it will take to fill a prescription, they may be over-worked, under-staffed and more prone to errors.
• Can you understand the pharmacist? You should be able to freely communicate with this important member of your health care team!
• Be certain that the pharmacy has up-to-date software that warns of drug interactions, low/high dose alerts, LASA error checking (Look alike/sound alike) and patient allergies. Be certain that the pharmacist is aware of your drug and food allergies. Some food allergies can significantly impact the medications you can be prescribed.
• Is the pharmacy concerned with your privacy? Pharmacy staff should never announce the medication they are filling for you in a way that others might over hear.
• Does the pharmacy alert you when the appearance of your medication has changed?
• Does the pharmacy provide you with an information sheet that describes the appearance of your medication, possible side effects and uses of the medication?
• Does your pharmacy communicate efficiently with your physician’s office? Some communication errors are due to delays in the doctor’s office, but pharmacy staff should be able to up date you on their progress.
• Does your pharmacist relay information to you effectively? If they say they will get back to you, do they? Do they call you if there is a problem with a refill?
• Will your pharmacist attempt to answer your questions with research? We have had multiple times where a great pharmacist will go to extraordinary lengths to be certain that a medication is safe. This has included the pharmacist calling the pharmaceutical company for further information. This type of dedication can, literally, safe your life and you SHOULD EXPECT IT!
• Remember that the pharmacist is your safe guard when it comes to medications! They should have the most up-to-date and effective means by which you can be protected from possible allergic reactions or drug interactions. They are the trained professional when it comes to medication management!

16. Keep your medication information confidential and safe. Remove prescription labels from empty bottles before discarding. Likewise, shred information sheets or other paperwork that details what medications are in your home. Do not discuss publicly or post online medications you take. Theft of prescription drugs is on the rise.

17. Teach your children to never take medication (again, including ‘natural’ products) from someone other than you or a licensed health care professional.

18. Discard of out dated medications safely. Be especially vigilant about medications you may not take regularly, such as epi-pens or inhalers. Check their expiration date and get refills when needed.

19. Store your medicaitons safely. Know if the medication needs to be refrigerated. In general, most medications need to be protected from moisture, light and extremes in temperature.

20. Don’t run out! Be certain to carry vital medications with you and refill your prescriptions BEFORE you run out. Most insurers will allow you to refill a prescription seven days prior to the day you will run out.

21. KEEP YOUR MEDICATIONS OUT OF THE HANDS OF CHILDREN! Keep all medications, including vitamins, away from children. Be certain that visitors to your home safe guard any medication they have. Many children suffer overdoses while exploring Grandma’s luggage or purse.

Though there are many medical errors we cannot prevent, medication errors can often be prevented through our own vigilance, common sense and just a bit of time. Be wise, be cautious and be healthy!

If any of you are like me, Christmas stocking stuffing can be an expensive and often frustrating part of Christmas cheer.  You can spend a great deal of money for little ‘doo-dads’ that are often forgotten too quickly. Instead of meaningless dribble, consider stuffing those pesky stockings with useful items for your 72-hour kit (or Bug Out Bags as some folks call them). These items need not be boring or too terribly practical–make them fun by personalizing them, adding some glitz or mixing in with non-essential items. These ideas also translate well into the small daily gifts of Advent calendars or Hanukkah celebrations. Some ideas to think about include:

• Small flashlights for each bedroom. The best ones have a lanyard or other string attached so that they can hang from a bedpost, out of sight. Find ones in bright, fun colors or the small ultra-bright LED flashlights. There are even ones that you can bend!

• Batteries for those electronic gadgets & flashlights. Consider rechargeable batteries so that you can quit buying batteries every few weeks.

• Waterproof matches and container

• Swiss army knife –there is one available that is the size of a credit card and holds all sorts of cool stuff. Again, they come in lots of bright, fun colors.

• Screwdriver set–a mini set is a great thing to have in each car as well as your 72-hour kit

• Compass or a combination whistle and compass device

• Reflective mirror

• Small toiletries, including a disposable razer, travel sized toothbrush and tooth paste, small soap, shampoo and lotion. Check out the travel section at your local discount store for other items.

• ‘Space’ emergency blanket

• Folding cup

• Camp utensil set and/or ‘mess kit’

• Pocket size survival and/or first aid guide

• Rain poncho

• Hand and/or foot warmers

• Key chain whistle and/or flashlight

• Thermal socks and/or wool mittens/gloves

• A wool ‘watch’ cap–the type used by the military is warm, water repellent and folds compactly.

• Small first aid kit

• Small, purse sized holder for band-aids

• Mini battery operated alarm clock

• Headlamp style flashlight

• ‘Power’ bars

• 100 hour candle

• Water purifying tablets or ’sani straw’ device

• Long shelf life boxed water

• Pocket-sized package of toilet paper and tissues. Some of the dollar stores have them in fun wrappers such as Hello Kitty.

• A Bowie knife with sheath

• Flint and steel

• Small knife sharpener

• Mini first aid primer–check with your local Red Cross or County Extension office for free ones

• CPR mouth shield

• Small card games or other sources of entertainment such as Sudoku books

• Mini sewing kit–you can easily assemble one in an old prescription bottle (be sure to wash it out) or empty 35mm film canister. Include several sharp needles, thread, thread clipper, buttons, a snap and several safety pins

• Travel sized hand sanitizer, hand wipes and disinfectant spray

• Jumper cables

• Small size roll of duct tape. Look for bright colors or fun prints.

• Small roll of heavy twine or rope

You might also consider making mini-kits for each car, the office or your college-bound student.

Check out the camping aisles and see what little goodies might be interesting and helpful. You never know what you might find! You may also find that hunting gear and summer sports equipment is on the clearance rack.

And be sure to save all of that excess hard candy you and your family receive during the holidays. Seal it up tight in a ziploc bag, food saver bag or other air tight container to add to your long-term storage and 72-hour kits.

In recognition of National Preparedness Month here in the U.S. (the rest of the world is welcome to join), it is time for a challenge! You can do it! With just over 100 days left in 2009, it is time to buckle down, dedicate yourself and set aside just 10 minutes or less per day. Yes, in less than 10 minutes a day and nearly no money at all, you can improve your preparedness status by leaps and bounds.

The extra days in 2009 can be set aside for holidays, vacations or, even better, utilized to do a more-than-ten-minute job. However you use the days, use them well!

Ready? Set? Go! Here it is, the first installment of 100 things you can do in 10 minutes or less:

1. Program your cell phone phone book with the word ICE (stands for In Case of Emergency). Under that listing, include the name & phone numbers for the person you want to have contacted first in case of an emergency. First Responders and ER personnel know to check your cell phone for this listing.

2. Check your car’s glove compartment and be certain that you have a current registration, inspection receipt, insurance card and insurance contact information.

3. Write down all of your family’s prescription drugs, their RX number, refill date, name of medicine, instructions and the pharmacy phone number. Make a copy for your 72-hour kit.

4. Write out a card for each child’s car restraint seat. Include child’s name, your contact info, another relative’s contact information, child’s pediatrician and important medical history. Attach to the bottom or back right rear of the seat.

5. Schedule your yearly health maintenance check-ups such as mammograms, pap smears, physical exams and immunization review.

6. Place water leak alarms near washing machine, hot water heater and any other area likely to suffer a leak.

7. Wash the dryer lint trap under hot water until water runs freely.

8. Check the tire pressure and tread depth on your tires.

9. Clean out your medicine cabinet and dispose of out-dated medications.

10. Test your smoke detectors & change batteries as needed.

11. Set up a spot for your perpetual grocery list. Let your family know where it is!

12. Photocopy your credit cards & ID. Place copy in your “What If?” Notebook.

13. Check the outside dryer vent. Be certain that vent flaps open freely. Remove any visible lint.

14. Clean the inside of your car windshield. “Stuff” gathers on the inside of the windshield and can cause complete ‘white out’ when you are driving towards the sun.

15. Clean one pantry shelf. Move older food to the front.

16. Write down neighbor’s phone number, doctor’s phone numbers, family contact numbers and place inside a cabinet near the phone.

17. Add at least one long-term storage food to your grocery list. Consider rice, dry beans, sugar, oatmeal.

18. Check outside lights. Replace burned out bulbs.

19. Check your supply of flashlights. Do they work? Do you have batteries for them? One for each room of your house?

20. Clean the trash out of your car.

21. Cook a double entree and freeze the extra one.

22. Make a list of everyone you plan to purchase Christmas gifts for.

23. Pick up Christmas Cards at a discounter or dollar store before the inexpensive ones are sold out.

24. Replace filters in your HVAC system. Write the date you replaced it on the filter. Mark your calendar for the next change date.

25. See what Christmas gifts you may already have on hand. Plan which ones you are going to make.

26. Do a quick comparison of current prices for internet providers. Do you need to change?

27. Clean out one kitchen drawer.

28. Have little ones at home or due to visit? Check childproofing & poison control.

29. Check 401K & pension plan balances. Do you need to save more for retirement?

30. Purchase at least one item for long-term storage.

31. Treat sink & tub drains with baking soda and vinegar.

32. Check children’s toys. Throw out broken ones.

33. Set budget for holiday gift giving. Do you need to save some money?

34. Check nightlights. Do they illuminate areas that need light? Do they work?

35. Find a backpack, tote or other container that can store items in your car.

36. Add jumper cables to your car pack

37. Put some bottled water in your car pack.

38. Put some long-term food such as granola bars in your car pack.

39. Put several ’space’ blankets or wool blankets in your car pack.

40. Add some matches and a candle to your car pack. Pack candle in an empty vegetable can and cover top with aluminum foil.

41. Add an all-in-one screwdriver to your car pack.

42. Add an ‘emergency’ flag to your car pack. This can simply be a piece of bright orange or red fabric.

43. Add a first aid kit to your car pack.

44. Stick a set of fuses in your car pack.

45. Put a flashlight in your car pack. Package the batteries outside of the flashlight.

46. Add a flare to your car pack.

47. Add a can of Fix-a-flat to your car pack.

48. Check your spare tire & tire iron.

49. Check the fluid levels in your car.

50. Put some paper and a pen in your glove compartment.

51. Check your gutters to see if they are running well.

52. Look at your roof from across the street. Does it look solid?

53. Add your doctor’s voice & fax numbers to your cell phone directory.

54. Add a worthwhile item to your 72-hour kit.

55. Grab some 3×5 cards. Write out personal information for each person & add to 72-hour kit. Include out of state contacts, medical information, etc.

56. Check the caulk around the doors and windows of your home. Note which ones need repair.

57. Add some cash and quarters to your glove compartment. An empty prescription bottle or tube from mini-M&M’s work well.

58. Check outdoor walkways. Are they clear? Free from tripping hazards? Cracks?

59. Add one item to your food storage.

60. Gather up your candles and see if you have enough to provide some light for 7-days. Store some matches (more than you think you need) with the candles.

61. Refill BBQ propane tanks if you have them.

62. Clean one pantry shelf. Move older food to the front.

63. Clean out your refrigerator. Discard old food and mark food that needs to be eaten up.

64. Do you need to have your chimney cleaned?

65. Read about one way to cook food without power. Order or gather supplies you would need.

66. Program your pharmacy’s phone number into your cell phone.

67. Check your computer’s firewall and anti-virus strength.

68. Do a quick comparison of auto insurance rates and coverage.

69. Set aside ingredients for a ‘no time to cook’ dinner.

70. Add one item to your two week supply of food that you could eat without cooking.

71. Store some water.

72. Plan holiday meals. Watch for ingredients to go on sale. Don’t forget potluck dinners, treats for neighbors, etc.

73. Do you need to have your furnace checked?

74. Check appliances for frayed cords.

75. Do you have de-icer in your windshield washer fluid?

76. Ice scrapers in each car….unless you live where it never gets cold!

77. Clean out one pantry shelf. Discard out of date food. Move older food to the front.

78. Try a new recipe that utilizes at least two items from your long-term storage.

79. Check supply of over-the-counter medicines such as antihistamines, antidiarrheal, pain killers & anti-inflammatories.

80. Check the caulk around tubs, showers and toilets. Repair or replace as needed.

81. Check your credit cards? Current? Do you have too many?

82. Check your credit report for errors.

83. Be certain your are shredding documents with personal information such as insurance numbers, birthdates, account numbers, social security numbers.

84. Google your name to make sure someone is using it online or writing about you in an unfavorable way.

85. Buy or obtain a free (try freecycle) transistor am/fm radio.

86. Clean out one closet.

87. Add one item to your food storage.

88. Check your doors and windows for air leaks.

89. Make certain that shrubbery around your house does not obscure windows. (burglars love it when they can hide behind a bush while they break your window)

90. Make a place for end of year tax information.

91. Try a recipe utilizing one or two items from your long-term storage.

92. Check your cell phone contract. If out of contract, compare rates.

93. Add a small flashlight to your glove compartment.

94. Check cash supply at home. Be certain you have bills in $20 or less denominations

95. Mail holiday gifts early to avoid paying express shipping charges.

96. Do you need de-icer for walk ways and driveway?

97. Collect loose change and establish place to store it.

98. Add one item to your 2 week supply of foods you could eat without cooking.

99. Add one item to your 72-hour kit.

100. Cook a double entree and freeze the extra!

See, you can do this!!! It is inexpensive, fast and all things YOU can do with little time and money.

Don’t worry, we’ll remind you periodically. Now, get to it! And good luck.

Before you know it, the school bell will be ringing from kindergarten to the hallowed halls of advanced degrees. As summer winds down, it is time to once again set those alarm clocks, pack the lunches, fill up the backpacks and send the children off to school (or prepare for your homeschooling year).

No matter the grade or age of your learner, starting early and planning well can help make the school year a successful one for you and your student-children. Just a few pointers to help ease the transition:

1. Reset body clocks several weeks before school starts. If your summer schedule has included later-than-usual bedtimes and wake-up times, now is the time to reset those internal clocks. Begin with a few minutes each day, working toward a regular school schedule at least a week before school begins.

2. Do your back-to-school shopping NOW (if you haven’t already completed it). Be certain to get your supply lists from school and shop at home FIRST. You might be surprised how many supplies you have on hand. Take your amended list to the store and check off items as you purchase them. Label everything and pack away (far, far away if you have anxious little fingers around) so that all is ready before school begins.

3. Shop at home first for school clothes. Get the laundry caught up and see what junior already has in his/her wardrobe BEFORE you go shopping. Set a strict budget and shop the end-of-summer sales for fall clothing. Don’t forget to check sibling hand-me-downs as a potential source of clothing. Also check with friends, thrift shops, freecycle and Craigslist for clothing exchanges & great deals.

4. Include in every backpack an emergency contact card that includes your child’s name, address, phone, parents’ contact info, alternate contact person, important medical history (allergies, conditions, etc) and out-of-state contact. Laminate the card or seal in a ziploc bag. Attach to the inside of the backpack with a safety pin.

5. Label backpacks on the inside with your child’s name—not the outside. Outside names help predators befriend small children.

6. If your child has severe allergies to items that might be in the class or lunch rooms (such as peanuts, wheat, etc) be certain to speak with the school administration, school nurse and all classroom teachers that might have contact with your child (don’t forget art, music, etc). Speak face-to-face as well as present written information about the allergy, the possible reaction and medication that must be given. Don’t hesitate to check back with all you spoke to in a week or two to make certain that they remember. Ask what has been done to protect your child.

7. Do several ‘trial runs’ to elementary school with your child. If they are walking, point out the homes of friends on their route that they can seek help from. Be certain they know who to go to if they should ever come home and find no one home. The same thing goes for after school caregivers..make sure they have an emergency alternative planned.

8. Check to see what the school’s policy is concerning early dismissal or delayed starts. Do they have an emergency contact system in place that you can sign up for? Do you have childcare arranged for such instances?

9. Be certain that your older children (middle school & high school) are well versed in preventing accidents, how to extract themselves from a dangerous situation and who to report suspected or potential violence to. Have a frank discussion with them about the dangers of fire arms, weapons, drugs, hate crimes, sexual abuse and harassment (including being groped, spoken to inappropriately, etc), physical threats and abuse. Sexual abuse and harassment have become so common, that a shockingly high percentage of high school girls do not even recognize it when it happens to them,

10. Have the same frank discussion with college-bound students. Be certain that they are aware of safety precautions, the dangers of date rape, the potential for drugging of beverages (at a party or other social gathering, they should only drink from a can or bottle they open and which remains in their sight at all times), car safety and dorm safety. Know what safety procedures are in place at your child’s college campus and be certain they your student understands them.

11. Be certain that your middle and high school students understand that the effort they put into school now will affect the remainder of their life. The grades and activities they participate in now will affect their ability to be accepted to college & possibly win scholarships.

12. Establish good sleeping and eating habits for your students! Many high school students are chronically sleep deprived and their grades suffer. Look carefully at school lunches offered. Are the meals nutritious, healthful and handled carefully? If you are packing lunches, be certain to read up on safe food handling practices.

13. Be open and realistic about your expectations for your children’s academic endeavors. Be certain the child undeerstands what you expect and the consequences if they do not meet those expectations.

14. Have a frank discussion with your college-bound students about the realities of student debt. The average undergraduate leaves college with a diploma and $25,000 to $45,000 in debt. Advanced degree holders leave with debts that spiral upwards of $100,000. Be certain that your college student understands the full picture of the dangers of accruing not only student loan debt, but credit card debt. There are thousands and thousands of stories out there of college graduates with unmarketable degrees and a lifetime of debt to pay back. Explore other avenues of financing college, such as scholarships, work study programs, community college for general education credits, work-release programs and payback options through employers. If student loans are an absolute necessity, be sure that they are used only for absolutely necessary educational expenses. Be certain that the student understands that debt accumulated now will not disappear and should they marry, they may be doubling their debt.

15. Send your college student to the dorm with a mini-72 hour kit. Include foods that can be eaten without cooking, a change of clothing, emergency contact info, water, a first aid kit, a ’space’ blanket, a flashlight, a candle, a simple sewing kit, some cash in small bills and some matches.

16. Before college begins, check to see if your student is covered by your medical and dental plans. Be sure that your student has the appropriate policy identification cards and knows where to get care. If your child has a less-than-run-of-the-mill medical history, locate a physician in the college area and forward pertinent medical information.

17. Be certain that your college-bound student understands the realities of and how to prevent identity theft, including medical identity theft.

Enjoy watching your child grow up and conquer the world!

NOTE: While writing this article, I missed some VERY important information. Thankfully, Tami sent in a comment reminding me with her words of wisdom. Here is her comment:

“I just want to add to your note about preparing for college students–parents need to know that when their child heads off to college, there are privacy laws that apply to their child, and the parents do not have the legal right to get any information about grades or anything else. Also the parents do not have the right to be notified about any medical issues and do not have the right to be involved in any medical decisions. This can all be addressed legally, with medical power of attorney and other legal documents, but it’s something that all parents need to be aware of and discuss with their almost-grown children.”

And from me:

Thank you, Tami for pointing out this important item I missed! You are absolutely correct that parents (even ones paying the tuition bill) will have NO legal right to obtain information about their legal-aged child’s school or medical records. Even if your child is ill, the physician is constrained by law. He/she cannot discuss your child’s case or history without (except for possibly life & death situations) your child’s consent. Before dropping Junior off, have him/her execute a medical power of attorney which gives you permission to speak to caregivers. You can easily find a ‘fill in the blank’ form online by searching for medical power of attorney. Ideally, the form will be notarized and include express permission in compliance with HIPPA laws allowing you to speak to any medical professional caring for your child. A similar form should be completed with regards to academic records, etc. Thanks again, Tami!

It is that time of year—Jack Frost is on a rampage bringing with him snowstorms, ice, and colder temperatures. Winter time brings with it special preparedness considerations, which may not only keep your more comfortable but prevent injuries, illness and even death.

Our friends at FEMA suggest the following ways to prepare yourself NOW: (I’ve added a few extra tips to FEMA’s—the most important one being that if a storm is announced STAY HOME!!)

Add the following supplies to your disaster supplies kit:

• Rock salt to melt ice on walkways
• Sand to improve traction
• Snow shovels and other snow removal equipment.

Prepare your home and family

• Prepare for possible isolation in your home by having sufficient heating fuel; regular fuel sources may be cut off. For example, store a good supply of dry, seasoned wood for your fireplace or wood-burning stove. (Don’t forget your food, medical and hygiene needs! Store medication, candles, water, batteries, flashlights and all of those other things we have talked about. Make certain your children know where to go if they are sent home early and you aren’t home. This is also true of children that go to a caregiver’s home—does the caregiver have an alternate safe place for them to go?)
• Winterize your home to extend the life of your fuel supply by insulating walls and attics, caulking and weather-stripping doors and windows, and installing storm windows or covering windows with plastic. Have your gutters cleaned so that melting snow has a place to go.
• Winterize your house, barn, shed or any other structure that may provide shelter for your family, neighbors, livestock or equipment. Clear rain gutters; repair roof leaks and cut away tree branches that could fall on a house or other structure during a storm.
• Insulate pipes with insulation or newspapers and plastic and allow faucets to drip a little during cold weather to avoid freezing.
• Keep fire extinguishers on hand, and make sure everyone in your house knows how to use them. House fires pose an additional risk, as more people turn to alternate heating sources without taking the necessary safety precautions.
• Learn how to shut off water valves (in case a pipe bursts).
• Know ahead of time what you should do to help elderly or disabled friends, neighbors or employees.
• Hire a contractor to check the structural ability of the roof to sustain unusually heavy weight from the accumulation of snow - or water, if drains on flat roofs do not work.

• Prepare to have a ‘warm room’. If you lose power and thus heat, is there a room in your home that has an alternate heat source adequate for that room? Think through which room would work best, how you can isolate that room and what you would need to be safe and comfortable in that room.

Prepare your car

• Check or have a mechanic check the following items on your car:
  • Antifreeze levels - ensure they are sufficient to avoid freezing.
  • Battery and ignition system - should be in top condition and battery terminals should be clean.
  • Brakes - check for wear and fluid levels.
  • Exhaust system - check for leaks and crimped pipes andrepair or replace as necessary. Carbon monoxide is deadly and usually gives no warning.
  • Fuel and air filters - replace and keep water out of the system by using additives and maintaining a full tank of gas.
  • Heater and defroster - ensure they work properly.
  • Lights and flashing hazard lights - check for serviceability.
  • Oil - check for level and weight. Heavier oils congeal more at low temperatures and do not lubricate as well.
  • Thermostat - ensure it works properly.
  • Windshield wiper equipment - repair any problems and maintain proper washer fluid level.
• Install good winter tires. Make sure the tires have adequate tread. All-weather radials are usually adequate for most winter conditions. However, some jurisdictions require that to drive on their roads, vehicles must be equipped with chains or snow tires with studs.
• Maintain at least a half tank of gas during the winter season.
• Drive cautiously. No matter how excellent your driving skills are, others around you may not be as attentive or as skilled. Drive defensively, stay off the cell phone and pay attention!
• Place a winter emergency kit in each car that includes:
  • a shovel
  • windshield scraper and small broom
  • flashlight
  • battery powered radio
  • extra batteries
  • water
  • snack food
  • matches
  • extra hats, socks and mittens
  • First aid kit with pocket knife
  • Necessary medications
  • blanket(s)
  • tow chain or rope
  • road salt and sand
  • booster cables
  • emergency flares
  • fluorescent distress flag

Dress for the Weather (You might consider storing a spare hat & mittens in each child’s school backpack)

• Wear several layers of loose fitting, lightweight, warm clothing rather than one layer of heavy clothing. The outer garments should be tightly woven and water repellent.
• Wear mittens, which are warmer than gloves.
• Wear a hat.  The majority of heat loss occurs through your head!
  
• Cover your mouth with a scarf to protect your lungs.

Listen Up!

• Pay attention to weather alerts, local news and consider signing up for any of the ‘instant’ alert systems your local jurisdiction offers.

• Heed warnings about staying home, avoiding certain roads, etc.

Stay Well

• Avoid sick people. Winter is also flu season, cold season and increased infection season.
• Wash your hands. Washing hands is the number one way to prevent the spread of illness. Wash your hands diligently before you eat, after using anything in a bathroom, when you get home and before, during and after preparing food.
• Stay hydrated. Though you may not feel as thirsty during cold weather months, your body may actually require more fluid than other times. Drink plenty of water every day!
• Eat well. Eat a variety of foods that are safely prepared!
• Maintain an exercise schedule. Climb the stairs at work, do vigorous house cleaning, visit an indoor pool–whatever you do, keep moving.
• Be cautious. Be very careful walking on slippery surfaces. Ice is incredibly hard and will break your body if you aren’t careful. If you must walk on the ice, consider investing in bands that you can attach to your shoes that aid in traction.
• Clear your sidewalks and porches. As soon as possible after a storm, clear your driveway, sidewalk and porch. If you are not healthy enough to do this safely, hire someone to do it for you.

Take just a little bit of time to prepare and you’ll find yourself laughing in the face of that bad old Jack Frost!