Daily Preparedness

Who knew it would take me that long to clean out the junk drawer? As previously written, organizing the kitchen can take you awhile, especially when forward momentum is hindered by Lyme Disease and life. Onward and upward, people!

Pantry

• The best way to begin is to pull everything out of the pantry, tossing items that are damaged, look suspicious or too old to be used. If in doubt, throw it out. At the least, consult with food storage experts to know what can be saved. Hint–be certain that you can’t salvage parts of prepared foods. For instance, the cheese powder in boxed macaroni and cheese will go bad, but the macaroni lives on for years. You can repackage the macaroni in a sealed container and toss the cheese powder if it looks darker than normal.
• Set aside items that you need to use soon. When replacing items in the pantry, be certain these are up front & marked as ‘use soon’.
• Clean the floor & shelves. Inspect for evidence of bugs or rodents. If you find evidence, treat the area appropriately before proceeding. Mark your calendar to recheck the area in two weeks, then a monthly for at least six months.
• Check that shelving is secure before reloading. Look carefully at the plastic brackets that often hold metal shelving. They can become brittle and chipped, leading to a shelf falling without warning.
• If you have solid shelving, consider lining the shelves to make clean up easier. Inexpensive plastic place mats make great shelf and drawer liners.  Fabric stores often carry vinyl coated fabrics intended for tablecloths. These can make your pantry shelves very colorful and are easily removed & washed. Avoid adhesive backed plastics as the residue they leave is hideous.
• Analyze what you want to put in the pantry and decide if the current shelving is adequate.
• Need more shelving? Add it with simple shelf brackets, removable shelving, tiered racks that sit on existing shelves or any manner of devices readily available.
• Need stronger shelves? Use inexpensive metal shelf brackets to stabilize the middles of shelves.
• Think about ’stations’ as in preschool and kindergarten rooms. Place together like items.
• Put items that you use frequently in the easiest to see and reach places.
• Add door shelving if you need places for small bottles, condiments, etc.
• Use plastic shoe boxes or other organizing aids to corral small items such as gravy packets, drink mixes, etc. Recycle existing or old containers for this purpose. Even plastic food storage containers missing lids can be used to organize a pantry or cabinet. Empty plastic juice bottles work well for storing small grains, specialty flours, etc. They often fit in door-mounted shelving.
• If the outer packaging is bulky, repackage items into tighter quarters. A good example are the little ‘Crystal Light’ type containers. The small tubs inside the larger tub will fit into a plastic shoe box and reduce the shelf space needed. Recycle the outer container to hold even smaller items. Write on the outer container with a sharpie so that you know what is in the container.
• Sharpies (or any permanent marker) can be your best friend! Use them to label expiration dates, which container is open, the contents of a shoe box–nearly anything. Think about restaurant organization–they almost always mark containers with notations such as ‘Open’, ‘Use First’, ‘Use Last’, etc.
• Glass canning jars are great organizational aids. They allow you to see what you have on hand, are pretty much rodent and bug proof, can be vacuum sealed and are nearly eternally reusable.
• Empty #10 cans can be re-used if you purchase the corresponding plastic lid. (available from LDS Home Storage Centers). You can line the can with a plastic food storage bag and you have a wonderful canisters.
• If your pantry is deep, consider the newer slide out shelves, racks, etc. that are readily available in a range of prices.
• As you purchase new items, place the new to the back. If you store a large quantity of any item, you might want to mark the labels with use by dates. Some people prefer to mark their labels with purchase dates, but I have found that the use by dates are more important to see at a glance.
• Racks made to hold and roll forward canned goods can be a worthwhile investment. They are now available from a variety of companies in plastic, wood or cardboard. You can also make your own.
• If your shelving is wire and you need a more solid platform, cover the wire shelves with a layer of acrylic or similar material. Many home improvement stores now carry acrylic/plastic/etc. materials that they can cut to fit your shelves. Providing a solid platform will allow you to use tiered shelving, roll-outs, etc.
• Place items you want your children to be able to access at their level. Likewise, place items you do not want them to access up high or behind a childproof door.
• Items like sugar, flour, etc. are often best stored in some sort of canister. The original packaging is not meant to hold up for repeated access or storing at home. Leaking sugar and similar items are an invitation to critters.
• Add a measuring cup to dry items you frequently use, such as sugar, flour, rice, oats, etc. Purchase inexpensive measuring cups and place the size you use most often for that item in the canister. You now have a scoop that will make cooking faster. Just be sure that your hands are always clean when you are dispensing from the canister.

Kitchen Cabinets

• Again, take one cabinet at a time and allow yourself enough time to finish the job.
• Remove all items, clean the cabinet, inspect the shelves and then consider what needs to go where.
• Add shelves as needed or measure before going shopping for tiered shelving, pull out racks or other organizational items. Be sure you check to see what you have at home first.
• Move items you use infrequently to less convenient locations. Keep the easy to reach and see shelves open for items you use frequently.
• As you sort and organize, make note of items you need to replace or replenish.
• Place dishes and glassware you frequently use in cabinets nearest the dishwasher.
• Group like items together OR items that you use for the same process–think ’stations’ as in the pantry. For instance, place baking items together.
• Repackage items as needed.
• Place items that often become sticky, such as honey & molasses, on a plastic tray to make clean up easier.
• If you frequently pull out large canisters for a small amount of product, consider having a secondary small container in a nearby cabinet. For instance, I bake ‘30 minute artisan bread’ multiple times a week. The recipe requires that cornmeal be placed on the baking sheet and flour dusted on the top of the loaf just before baking. Tired of hauling out the flour & cornmeal canisters, I placed flour and cornmeal into separate small easily-closed containers that allow me to shake out the small amount required. One container is a large salt shaker, the other a shaker for Parmesan cheese.
• If your lower cabinets are difficult to reach, consider investing in the roll out shelves & racks.
• Toss or donate items you do not or will not use!
• There are a variety of organizational products on the market; entire sets of plastic storage containers that fit into a rotating holder, pan racks, pan lid racks, plastic bins (I like the inexpensive toy bins sold by IKEA and inexpensive plastic trash cans for holding small things), plastic shoe boxes and spice racks galore. Be certain to think through what you need and measure carefully before hauling home a group of misfits. As always, compare price and quality.
• Don’t forget to utilize the inside of cabinet doors. 3-M hooks, special door racks, magnetic racks, over-the-door racks and other useful items are available to organize everything from spices to knives and your car keys. Use the inside of a cabinet door near your phone to post frequently called phone numbers. Don’t forget to include the poison control center, physician & family contacts on that list. Or paint the inside of a door with chalkboard paint or white board paint and have an instant message center.

Finally, stand back and admire your work!

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!

It is the time of year when the call of new yellow pencils, notebooks, pens, erasers and a long laundry list of supplies is haunting your mind as you prepare for the return of the school year. Nearly everyone returning to school will include in their shopping list a backpack. For most students, the foremost criteria for choosing a backpack is how attractive, ‘in’ or ‘cool’ the backpack looks. But, it is becomingly increasingly common for students (and not just students) of all ages to incur a variety of injuries, pain and damage due to improperly designed, fitted, loaded and carried backpacks. How do you choose and use a backpack so that it is a help not a hindrance? And what added items should you include to promote a safe school year?

First, let’s go shopping!

• Don’t fail to look at sporting goods and outdoor outfitters (such as LL Bean) for high quality, durable and well made backpacks. A few extra dollars now and a bit of care along the way may prove your best investment.
• If you are carrying a laptop or netbook, be certain that the backpack has, or will hold, a protective sleeve for your electronics.
• Choose a backpack with wide, padded and adjustable straps. Be certain that the wearer can adjust the pack so that the majority of the weight is carried along the back of the shoulder line.

• If the pack is going to weigh more than a few pounds (less than 7% of the wearer’s weight), choose a backpack with a waist belt which will help equalize the pressure on the spine, shoulders and neck.
• Purchase or add reflective tape so that the wearer is more easily seen in the dark.
• Look for a backpack with easy to reach pockets, especially for small items that the wearer may want to access without taking off the backpack.
• An ergonomically designed backpack will conform the proper alignment of the spine.

Now that you have purchased a great, back-saving backpack, let’s pack it up!

• Do not fill the backpack to more than 15% of the wearer’s body weight.
• Keep identifying information inside the backpack. If the design is a common one and you want to easily identify your backpack, personalize it with a charm, patch or other identifier that does not include your name or other personal information.
• Distribute items so that the weight is evenly distributed. Falls occur frequently when backpack wearers are ‘out of balance’ due to shifting or unevenly distributed loads
• Be certain to include an ID card in the backpack. Include name, emergency contact info, important health information, etc. Place this card INSIDE the backpack where it is not easily seen.
• Pack sharp objects, even sharpened pencils, where they will not weaken the fabric or seams.
• Periodically clean out the backpack and be certain you are not carrying items you do not need.
• For YOUNG CHILDREN, you might want to have a specially marked pocket for papers you need to read, sign, etc.
• Older students, if allowed, might carry a small power bar, granola bar or other ‘emergency food’, water & a tiny flashlight. College students and commuters may want to carry water, a bit of money in small bills, a small flashlight and necessary medications.

You are packed up and ready to go…time to lift and carry that backpack properly!

• Learn to pick up your backpack as you would any heavy object. Bend your knees and lift with your legs, not your back.
• Do not ’sling’ your backpack onto your back. It is not good for you and you may hit someone behind or beside you!
• Carefully put on one shoulder strap on at a time. Be certain the straps are adjusted so that the majority of the weight is on your upper back—just below the shoulder line. It may look cool to have your backpack slung low on your back, but you are causing harm to yourself!
• If you have to stoop over with the weight of the backpack in order to carry it, that backpack is TOO heavy!
• NEVER NEVER carry your backpack on one shoulder. Doing so not only causes your spine to be at an unnatural angle, you may unevenly develop muscles in your shoulders and chest. This uneven distribution of muscle mass can become unsightly AND pull other parts of your body out of whack.
• Carrying your backpack on your front is not better for your back than carrying it on the back. Either way, the backpack needs to be aligned, packed and carried appropriately.
• Fasten the waist buckle, especially if the backpack is 15% of your body weight! Let your entire torso share in carrying the load.
• While carrying your backpack, walk with good posture! Stand up straight with your shoulders back.
• If someone should grab your backpack, immediately ask them to stop. Injuries occur when friends or others jokingly add their own weight to that of your backpack.
• If at all possible, remove the backpack near a surface about table level. With your back to the table, remove one shoulder strap at a time and lower the backpack down your back to the table.
• When you get home, keep your backpack off of kitchen counters or other surfaces where food is prepared or served.

The essence of provident living is to always live today while preparing for whatever tomorrow brings. Preventing, rather than treating, injuries is the best way to be prepared everyday!

Comment from a physician: The really sad part is the failure rate for back surgeries. I’ve seen a lot of patients with multiple surgeries, no relief from the pain, and even some who got worse after the surgery. There’s even a specific diagnostic code for ‘failed back surgery’ cause it’s that common. Good advice to review!

Tim

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!

The week before Christmas and all through the land,

Folks are scurrying and feeling rather grand.

Now is the time for the wise to prepare,

So that holidays will occur without a scare!

Okay, so the poetry isn’t great, but just to make certain that your holidays are more merry than scary, remember a few last minute reminders:

SHOPPING:

• Try to go without little ones so you aren’t distracted
• Keep packages out of sight–lock that trunk!
• Be constantly aware of your surroundings
• If you must shop alone and at night, ask for security to walk you to your car, especially in a large and/or dark parking lot
• Carry valuables in your front pockets. Avoid a purse or tote if possible
• Keep your credit cards in sight when completing transactions
• Be aware of anyone looking over your shoulder while you process your transaction
• Don’t process a purchase while clerk is on the phone, especially if speaking in another language and holding your credit card
• Use internet sites that are secure
• If you are gone from home all day, ask trusted neighbor to pick up packages left at your front door.
• Keep your receipts–most merchants have tightened up return policies!
• Have some cash for emergencies and small purchases

TRAVEL

• Have cash for emergencies
• Re-read hints about winter travel
• Plan plenty of time for delays
• Keep your cellphone charged
• Check car condition before travel

HOME

• If going away, use timers on lights and talk radio channel
• Ask trusted neighbor to bring in mail and newspapers
• Don’t put gifts where others can see them through open drapes
• Be sure to practice fire safety, especially with lit candles and flammable decorations
• If having house guests, be certain their medications are up & away from little hands
• Cut up and bag boxes from high priced items when disposing of them or take to recycling center
• Practice safe food handling

Have a safe, blessed, healthy and happy Christmas!

The turkey leftovers are gone, gifts are being wrapped, and in many parts of the country, snowfall is happening. For those in warmer climates, the impending holiday season often means traveling to or through areas that may become a ‘winter wonderland’ at a moment’s notice. To make certain the bells being rung aren’t yours (when you are stuck in a snowdrift or hit by a car), prepare your car appropriately before heading out. Anyone driving where there is or might be snow, should stock their car with the following (most courtesy of the Loudoun County Virginia Sheriff’s office):

- Properly fitting tire chains
- Bag of sand or salt (or kitty litter)
- Traction mats
- Snow shovel
- Snow brush
- Ice scraper
- Booster cables – also consider when of the ‘instant’ jump devices
- Warning devices such as flares or emergency lights
- Fuel line de-icer (methanol, also called methyl alcohol or methyl hydrate)
- Extra windshield wiper fluid appropriate for sub-freezing temperatures
- Roll of paper towels
- Flashlight and a portable flashing light (and extra batteries)
- Blankets—‘space’ or emergency blankets are small and can be used for signaling.
- Extra clothing, including hat and wind-proof pants, and warm footwear
- First aid kit
- Snack bars or other “emergency” food and water. Don’t forget food for babies!
- Matches and emergency candles. Only use these with a window opened to prevent build-up of carbon monoxide.
- Road maps — Be certain you know where you are going and the current conditions of the roads ahead if you leave a major traffic artery! Do not rely solely on your GPS unit. (One springtime, my family and I were traveling in New Mexico. We left the desert floor and, using a road map, decided to take a more ‘direct route’ than the one recommended to us. The road map was not a geographic map. We ended up going from desert to snow-capped mountains very quickly. It was inconvenient in the spring, but could have been deadly in the winter, especially if we had experienced car trouble! Know what you are driving into!)
- “Call Police” or other help signs on brightly colored banners.
- Spare tire in good condition and ‘instant’ flat repair
- Necessary medications

And a few safe winter driving tips:

Always keep the gas tank topped off. When it gets to half, fill it up.

Do not travel unless absolutely necessary. If you do have to make the trip, ensure someone is aware of your route of travel. If you change your route, notify that same person! People are lost every year due to taking ‘short cuts’.

Carry a cellular phone. Your cell phone can be used during emergencies and for notifying those expecting your arrival in case there are weather delays. Make certain you have a car charger and consider purchasing one of the temporary ‘instant chargers’ for at least one cell phone.

Always buckle-up. Your seat belt can be the best protection against drivers who are tense and in a hurry because of weather conditions. All children should be properly restrained all of the time!

Clear snow and ice from all windows and lights – even the hood and roof – before driving.

Pay attention. Don’t try to out-drive the conditions. Remember the posted speed limits are for dry pavement.

Leave plenty of room for stopping.

Leave room for maintenance vehicles and plows – stay back a safe stopping distance and don’t pass on the right.

Know the current road conditions. Check with local safety officials before driving.

Use brakes carefully. Brake early. Brake correctly. It takes more time to stop in adverse conditions.

Do not pump anti-lock brakes. If your car is equipped with anti-lock brakes, do not pump brakes in attempting to stop. The right way is to “stomp and steer!”

Watch for slippery bridges, even when the rest of the pavement is in good condition. Bridges will ice up sooner than the adjacent pavement.

Don’t use your cruise control in wintry or rainy conditions in order to avoid spinning out of control! Even roads that appear clear can have sudden patches of ice or puddles of water that are unnoticeable against the pavement. These patches can instantaneously cause your wheels to lose traction - even for a split second - which causes them to spin at a faster rate. This confuses the cruise control, which misunderstands this momentary increase in rotation to mean that your speed has increased. The cruise control will then apply the brakes, which is the last thing you want to do when you start to lose traction! When the wheels suddenly increase their rotational speed, then suddenly stop, it’s this combination that then causes you to lose traction and spin out of control. When this occurs on puddles of water it’s known as “hydroplaning”, but the same principle can prove to be just as deadly on ice!

Don’t get overconfident in your 4×4 vehicle. Remember that your four-wheel drive vehicle may help you get going quicker than other vehicles but it won’t help you stop any faster. Many 4×4 vehicles are heavier than passenger vehicles and actually may take longer to stop.

Don’t get overconfident in your 4×4 vehicle’s traction. Your 4×4 can lose traction as quickly as a two-wheel drive vehicle.

Look farther ahead in traffic than you normally do. Actions by cars and trucks will alert you quicker to problems and give you a split-second extra time to react safely.

Remember that trucks are heavier than cars. Trucks take longer to safely respond and come to a complete stop, so avoid cutting quickly in front of them.

Go slow!

———-This week’s 10×100 Challenge Goals———-

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 you are shredding documents with personal information such as insurance numbers, birth dates, account numbers, social security numbers.

84. Google your name to make sure someone is not using it online or writing about you in an unfavorable way.

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!

For many people, decorating the Christmas tree is a favorite part of the holiday. The National Safety Council (with a few I added for good measure) offers some safety tips to make sure a mishap doesn’t spoil your holiday season.

Christmas Trees

• A real tree can add to the spirit of Christmas by filling your home with beauty and the scent of pine. But a real tree can also pose a fire hazard. Each year, more than 400 residential fires involve Christmas trees and tragically nearly 40 deaths and 100 injuries result from those fires.
• Try to select a fresh tree by looking for one that is green. The needles of pines and spruces should bend and not break and should be hard to pull off the branches. On fir species, a needle pulled from a fresh tree will snap when bent, much like a fresh carrot. Also, look for a trunk sticky with sap.
• Cut off about two inches of the trunk and put the tree in a sturdy, water-holding stand. Keep the stand filled with water so the tree does not dry out quickly.
• Stand your tree away from fireplaces, radiators and other heat sources. Make sure the tree does not block foot traffic or doorways.
• If you use an artificial tree, choose one that tested and labeled as fire resistant. Artificial trees with built-in electrical systems should have the Underwriters Laboratory (UL) label.

Tree lights

• Only use indoor lights indoors (and outdoor lights only outdoors). Look for the UL label. Check lights for broken or cracked sockets, frayed or bare wires, or loose connections. Replace or repair any damaged light sets.
• Also, use no more than three light sets on any one extension cord. Extension cords should be placed against the wall to avoid tripping hazards, but do not run cords under rugs.
• Turn off all lights on trees and decorations when you go to bed or leave the house.
• Consider placing a fire extinguisher near the tree ‘just in case’.
• Tree ornaments

• Always use the proper step stool or ladder to reach high places.
• Read labels before you use materials that come in jars, cans and spray cans.
• Never place lighted candles on a tree or near any flammable materials.
• Avoid placing breakable tree ornaments or ones with small, detachable parts on lower branches where small children or pets can reach them.
• Do not hang popcorn chains and candy canes on the tree when small children are present. They may think that other tree ornaments are also edible.
• Be cautious and considerate of your animals, too!
• Gifts
• Do not place tree in front of un-covered window. Keep curtains closed at night so that ‘outside eyes’ cannot spy the loot under your tree
• Be certain that wrapping paper and ribbons are not entangled with extension cords
• On Christmas morning, have several trash receptacles ready for the wrapping paper and ribbons.
• Be cautious about burning wrapping paper in the fire place. Much of it contains components that can spark, ‘explode’ or produce noxious fumes. The better bet is to place it all in the recycling bin.
• Be careful to protect pets from ribbons and paper. The papers can contain toxic substances for the little critters and they can become entangled (even choked) by loose ribbons.
• For re-usable wrapping, consider making or purchasing simple fabric bags that can be re-used year after year.
• Keep all of your receipts not only for returns but to protect yourself against credit card fraud. Carefully scrutinize your January credit card statement.
• Also remember that chocolate and other common Christmas treats are, in general, not good for your pets.

Enjoy a safe, happy, and well-prepared holiday season!

Using ‘plastic’ money can be a great way to track expenses and consolidate your bill paying, but that plastic should come with a bit of a warning label. Credit card fraud is on the rise, as is the fraudulent use of checking accounts. Common sense and a healthy dose of forewarning are your best protections! Keep these pointers in mind and you will be spared the agony accompanying the all-too common crime of credit card fraud:

1. Don’t let your credit card out of your sight.

2. Shield your credit card number from onlookers. A new version of credit card thief is utilizing the cameras on cell phones to capture images of credit card numbers used by others in public settings such as stores.

3. Don’t process a credit card, debit card or check transaction with a clerk that is talking on the phone, particularly in a language you do not understand. This is one of the newest ways to steal your information!  Hold your card until the clerk is done or ask for the phone call to be terminated.  Better yet, shop at stores that allow you to retain custody of your card and swipe it yourself.

4. Never provide your credit card number or the cvi code on the back of the card to someone that calls you or emails you. A common scam is to inform you through a call or email that a problem has arisen with your account and they need to verify your information. NEVER utilize a link provided in an email to verify your personal information.

5. Never provide your credit card or other personal information on a website that is not a secure site.

6. Sign credit cards as soon as you receive them.

7. Shred all credit card applications you receive. Shred expired credit cards and any piece of paper with credit card information.

8. Never leave credit cards or receipts with your credit card information lying around.  Shred them!

9. In a secure place, keep a copy of all your credit cards and numbers with the phone numbers for customer service.

10. Check your monthly statements carefully. IMMEDIATELY report any charges that appear fraudulent.

11. If you even suspect that your credit card has been out of your control for any length of time, call your credit card company. Their security department should quickly verify all activity on the card, close that account and issue new cards to you.

12. Carry only the number of credit cards that you absolutely need. When traveling, it is a good idea to carry a back up card in a location other than your wallet. When traveling with another family member, have them carry a different card than you. If one is lost, you still have one between the two of you to use until the lost one can be replaced.

13. Never sign a blank or partially filled in receipt. If there are lines for tips, etc, make certain you have filled them out appropriately and put a correct total on the bottom line.

14. Carbon paper receipts are rarely used. If you do happen across a merchant still using carbon paper, ask for the carbon and then destroy it.

15. It is often best to avoid writing checks at retail establishments or to merchants you do not know. With your routing number and checking account number it is quite easy for thieves to tap into your bank account.

16. Be particularly careful with debit cards. Most debit cards do not have the same level of protection that a credit card does.

17. Periodically, get a copy of your credit bureau report. You are entitled to a yearly free copy.

18. Ask to have passwords placed on all of your accounts. This password will be required to make any changes to your account and protect you from the address being changed without you knowing it.

19. Never lend your credit card to someone else.

20. Notify your credit card in advance of any change in your address or phone numbers.  If you do not move often, periodically check to make certain that your credit card company has your correct address and phone number.  This is particularly true if you rely on electronic statements.

21. Some credit card issuers will refuse charges from little known internet sellers or unusual spending patterns. If you are planning to make a sizable purchase on a card that you do not use often for that sort of purchase, contact your credit card company in advance.

22. Before traveling overseas, ask your credit card issuer what their charges for currency exchange are as well as your protection should your card be used fraudulently outside the U.S.

23. If your credit card is lost, IMMEDIATELY contact the provider of the card. According to federal law, you are not responsible for any charges made after you have notified the issuer of the card. (This may not apply to debit cards!) Your maximum liability according to U.S. law is $50 per credit card and some issuers will waive that for good customers.

Following these guidelines will go a long way in preventing the headaches and potential of identity theft associated with check, debit card and credit card fraud.