Archive for summer

Let’s Keep Our Lawns – and Ourselves – Safe

For many of our neighbors in the Greater Pittsburgh Area summer means more than sunshine and vacations. It alsogarden-grass-meadow-green means working in the yard – often with tools that can be dangerous if not used properly.

Each year about 400,000 people are treated for injuries from lawn and garden tools, according to the U.S. Consumer Product Safety Commission (CPSC). Don’t let your landscaping efforts land you in the hospital! Follow these handy safety tips.

Tool safety tips from the U.S. CPSC

  • Dress appropriately. To protect yourself from debris when using lawn tools, wear eye protection, long pants, long-sleeved shirts, close-fitting clothes and no jewelry. Sturdy shoes are recommended, and ear plugs may be appropriate depending on how loud the device is.
  • Before starting, remove objects from your work area that could cause injury or damage, such as sticks, glass or stones.
  • Keep children indoors and supervised at all times when any outdoor power equipment is being used. Never let a child ride or operate a garden tractor or riding mower, even if the child is supervised. And never assume children will remain where you last saw them.
    Use extreme caution when backing up or approaching corners, shrubs and trees.
  • Teenagers using power equipment should always be supervised by an adult.
  • Handle gasoline carefully. Never fill tanks while machinery is on or when equipment is still hot. Of course, you should never smoke or use any type of flame around gasoline or any gasoline-powered equipment.
  • Do not work with electric power tools in wet or damp conditions. For protection against electrocution, use a ground fault circuit interrupter (GFCI).
  • Be sure that extension cords are in good condition, are rated for outdoor use, and are the proper gauge for the electrical current capacity of the tool.

Lawn Chemical Safety Tips from Texas A&M University

  • If you use chemicals to control weeds or pests in your lawn, read the product label carefully so you understand the potential effects on humans, animals and the environment. Follow all instructions.
  • Keep children and animals away from the application area, and protect your skin, eyes and nose during and after application.
  • Remember, use only the recommended amount. Using more of the chemical will not do a better job.
  • Ask yourself if you truly need to use a general pesticide. Is there a product that will specifically treat only the problem you need to solve?

From all of us at Duncan Financial Group, here’s to keeping both you and your lawn healthy this summer!

We Didn`t Start the Fire, but We Can Help Keep the Fire Safe: Fire Pit Safety

pexels-photo-25344Be Careful When You Play With Fire, Even in the Backyard

It’s a great feeling to hang out with friends and family around a blazing fire in your backyard in Western Pennsylvania — unless, of course, that fire blazes a little too much.

While a fire pit can be a wonderful addition to your home, all fires are potentially dangerous. So before you sit down with some marshmallows to roast, we here at Duncan Financial Group have gathered up some tips to help you keep that fire in the pit (and away from everything else).

Are you legal?
• Before building or buying a fire pit, check the regulations in your area to learn about restrictions.
• Your fire pit may be legal, but a fire might not always be. Monitor and follow community burn bans.
• Be respectful. Nothing can extinguish the good vibes of a nice fire more quickly than police complaints from smoked-out neighbors.

What kind of pit do you want?
• You can buy a fire pit or build one. If you choose the latter, there are plenty of resources online to help you design it. Don’t dig a hole just anywhere and throw some rocks down. Put some thought into it and you’ll have a better — and safer — spot to enjoy.
• If you want convenience, a propane model might be right for you. They produce less smoke and have an adjustable flame.

Ready to build your fire?
Actually, you probably aren’t ready yet.
• First, ensure the area under and around the fire pit is clear of flammable materials. Keep the pit itself at least 10 feet from any structures.
• Before you start the fire, have a fire extinguisher or a garden hose handy.

Okay, now are you ready to build your fire?
• Choose hard, seasoned woods. Sparks from softer woods like cedar can increase the danger of igniting something nearby.
• Don’t use liquid fuels, even lighter fluid, to get your fire going. And don’t burn paper, cardboard, leaves, garbage, etc.
• If you have a metal fire pit, don’t overload it and always use the included safety screen.

Is the fire out?
• When you’re done, spread out the ashes and let them cool off for a bit. Then gently pour water or sand over them. Stick around for a little while to watch for flare-ups.

We want you to have plenty of nice, warm nights — without getting burned. Here’s to making memories around the fire!

This article provided courtesy of Safeco Insurance.

Star, Stripes, and Safety Forever: 10 Ways to Keep You and Your Family Safe This Independence Day

Fourth of July Fireworks

In Western Pennsylvania, summer truly begins when the Fourth of July arrives. It’s a holiday full of fireworks and food, barbecues and boating, family and friends. It can also be full of danger and we’re not only talking about the fireworks.

Whether you’re lighting your own fireworks at home, going to a community show or heading somewhere else, here are 10 ways to help ensure a happy and healthy holiday:

  1. Stay protected and hydrated. If you’re going to be outdoors during the day, use plenty of sunblock (and bring extra). You’ll also want to drink water throughout the day, particularly if you’re drinking alcohol (in which case don’t drive). It’s easy to get dehydrated in the heat.
  2. Watch what you eat. We’re not talking about counting calories. We’re talking about making sure your food is fully cooked. According to the U.S. Department of Agriculture, meats (steaks, roasts or chops) need to be cooked to 145 degrees Fahrenheit, ground meats to 160 and poultry to 165.
  3. Watch what you serve. If you’re heading to a party and bringing food, put it in an insulated cooler with ice or ice packs so it doesn’t grow harmful bacteria between the time you leave your house and the time people dig in. Pull it from the fridge right before you leave for the party.
  4. Don’t drink and drive. We shouldn’t need to tell you this, of course, but the period around the Fourth of July holiday is a deadly one for drunk-driving fatalities.
  5. Don’t drink and boat. Alcohol is a factor in about one-third of recreational boating deaths, says the Coast Guard, so boating under the influence is never a good idea.
  6. Make sure everyone’s got a life jacket. If you’re going to be near or on the water, life jackets are a must. On a boat, there should be enough life preservers for everyone, and remember that kids need an appropriately sized jacket.
  7. Lighting fireworks? Be prepared. Keep a hose or bucket of water close by, and make sure you’re not aiming at people, animals, homes, plants or cars.
  8. Supervise the kids. Youngsters shouldn’t be lighting fireworks at all, and older kids need to be watched closely. Even sparklers get much hotter than you think.
  9. Keep your distance, too. Thousands of people show up in the emergency room this time of the year with firework injuries. Don’t be one of them!
  10. No matter what you’re doing, keep safety in mind at all times.


Those of us at Duncan Financial Group wish you and yours a happy and safe Fourth!

 

Share the Road!

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Summertime is finally here! Kids are splashing in the pools, cookouts are in full force, and sporting events are happening everywhere.

The warm summer months also mean that more motorists are on the roads…especially, more motorcyclists.

The National Highway Traffic Safety Administration reminds to safely “share the road” with motorcycles and to be extra alert to help keep motorcyclists safe. Motorcyclists are reminded to make themselves visible to other motorists.

And, if you are in the market for motorcycle coverage, Duncan Financial Group offers customizable insurance programs to meet your specific biking needs. Whether you ride a cruiser, trike, touring bike, custom, chopper or sports bike, we are here to help you choose the coverage that is right for you and your bike…at a reasonable price!

Contact our expert staff today to learn more and receive a free, no obligation quote! Call 724-863-3420.

Happy Travels to You!