Fire Prevention Tips For the Holidays

During the holidays, all too often in our rush to get everything done to make the season special we overlook some of the basic safety precautions necessary to make everything magical. Home fires is one of the leading causes of holiday disasters and these fires are more often than not, completely preventable. Rapid Refile, LLC, a document restoration and disaster recovery service, has put together a very helpful fire prevention guide for home owners to follow this holiday season to ensure a safe and disaster-free celebration.

The following is some of the recommendations they have compiled (see full article for references):

Christmas Tree Safety and Fire Prevention:

• Keep trees securely upright in a stand to ensure that it will not accidentally tip over or be knocked over by children or pets.

• Keep your tree away from any and all heat sources.

• Make sure natural trees are well watered.

• If you have purchased an artificial tree, please make sure it is labeled “fire retardant”.

• Unplug the tree lights before leaving your home or before going to bed.

• Avoid using real candles on a tree. Real Christmas trees contain natural oils that are very flammable, especially if the tree is dry.

• Use a maximum of three strands of tree lights on a single extension cord.

Holiday Lighting Safety:

• Unplug any lighting, indoor and out, before going to bed.

• Never leave any candles unattended.

• Avoid using live candles with a flame on windowsills and mantles.

• Do not let pets or children chew on strands of lights.

• Make sure the cords used for lights and other decorations are not frayed.

• Do not run electrical wires under rugs.

• Make sure all candles are in sturdy holders that will not tip over and are placed away from furniture and other home accessories.

• Trim candle wicks to a ¼-inch in height.

Fireplace & Woodstove Fire Prevention:

• Have a professional inspect your fireplace annually.

• Inspect your stove or fireplace for any cracks regularly.

• Always use a screen in front of your fireplace while it is burning.

• Do not burn your Christmas tree, wreaths, or leftover wrapping paper in a fireplace or stove.

Additional Fire Prevention and Fire Safety Tips:

• Exercise caution if using a space heater in a bedroom. Never place a heater next to a bed, as blankets could ignite. Place the heater in a place where a sleepy person getting up in the middle of the night will not trip over it.

• Keep fire extinguishers handy on every level of your home in a place where they can be easily accessed. Keep an extinguisher in your kitchen and by any fireplaces or stoves.

It is easy to get caught up in the excitement of the season and forget some of these basic and not so basic rules for keeping a home and your family safe from a potential fire hazard. Take the time to look over your family room, bedrooms and any other place where you may have a fireplace, heater or Christmas tree to ensure you have a fire disaster-free holiday season.

Everything You Should Know About Pocket Bikes

Pocket bikes are becoming all the rage and as summer advances that trend will touch all new heights. Everyone is ready to enjoy their summer and discover something different and stimulating to contribute to their life. Racing or simply playing around on these smaller bikes are a good way to do this.

If you have not utilized a pocket bike then there are a couple of things to think about. You want to be remindful of the safety regulations that are needed and the laws that you will have to abide by. These have been set up to keep people safe and sound.


Before buying a bike make sure that you have the ability to use it in your city. Every state and sometimes each city has set up specific laws for people who have these bikes. They might be small contraptions and look harmless – but they are still motorized vehicles and in and of itself require to have certain guidelines that need to be observed at all times. You can learn more about the laws in your area by contacting your local police department or DMV.

Safety Rules

Pocket bike safety is very crucial especially if you are going to allow your teenagers have a go on it. It is established that kids under the age of twelve should never ride these. Any children that are older need to be supervised. This will help to avoid any accidents.

The most important rule to follow in the safety handbook is to buy the required safety gear. This gear includes helmets, gloves, and all the things you would ordinarily wear when riding your bike. This keeps you safe you in case of an accident or if you fall down for any reason.

Breaking New Ones In

Each new pocket bike must go through a transition that has been nicknamed the ‘breaking-in process’. During this process you are preparing the engine and allowing it to set to being utilised. This does not need to be performed with used models. Your manufacturer can give you step by step directions on how to perform this process.

Tips to Acquire US insurance claims

One of the basic problems with US insurance policies is that it is not easy to profit from an insurance claim. Though the US insurance agencies quotes for the policy especially the US life insurance quotes may look lucrative there are many underlying facts associated to gain from the same. No matter what mentioned in these quotes, a policy owner cannot make profits from the same but yes can definitely make up a portion of the losses incurred in case of a policy lapse. A settlement is the best available option in this respect.

Here are some tips that one must follow while acquiring US insurance claims. Firstly one should not rush up with decisions. If your have studied the life insurance quotes for example properly before taking up a policy, you must have observed that almost every US insurance policy is designed to make one incur the minimum of losses possible. One must also study the market trends before estimating the losses prior to making an insurance claim. Under no circumstances should you get aggravated and pick up a fight with your insurance agent or the person who provide you with the life insurance quote for that matter of fact while making a claim as it will only delay the entire process.

Before making the first settlement on your life insurance claim, think twice and if possible resist the first offer. Evaluate the life insurance quote that had been provided to you by the agency. Check whether the facts mentioned in the life insurance quote provided to you by the agent or agency matches the issues that are arising while you claim for your insurance cover.

Just like you reviewed the life insurance quotes before you took up a particular life insurance policy you need to review the adjustment agents and their various settlement policies for claiming a life insurance before you take a decision. US insurance agencies are quite helpful in providing assistance for insurance claimants and are as prompt as they are while providing the life insurance quotes.

While making an insurance claim one must ensure that no action is made dependent on verbal communication. Just like you would like your life insurance quotes to come to you in a written format ensure that the life insurance claim related communications are under all circumstance made through written documents.

If you feel that under any circumstances the policy claims made by you are not apt you can always deny a claim but make sure that you do it politely and not aggressively. Remember you have every right to evaluate your life insurance policy claims just like you would evaluate your insurance quotes before taking the same. In fact you can also compare the various adjustment or insurance claim suggestions as suggested by various insurance agencies or insurance agents just like you would compare the various life insurance quotes before opting for a particular life insurance policy. There are numerous agencies that can help you get your insurance claims these days. This has made the entire process of acquiring a life insurance claim as simple and easy as getting various life insurance quotes.

User friendly life insurance quotes

Life insurance quotes are those documents that help the customer and the life insurance agent come together. The quotes help the customer and the financial advisor to work out a life insurance plan that will benefit both of them. A customer provides certain details for the life insurance quotes. He or she provides the details about the age and the render, about the life cover that he or she is looking for. These details are then filled in the life insurance quote. The financial advisor then fills in the other required details into these quotes. The financial advisor calculates the mortality charges depending on the age and the gender of the customer. The financial advisor also considers the amount of the life cover that the customer has mentioned in the life insurance quote.

Once the financial advisor has completed the calculations, he or she enters the premium amount into the life insurance quote. These can be generated online with the help of various tools that the life insurance companies provide for their customers. If the financial advisors have an access to the computers, they can use simple spreadsheets to explain the contents of the quotes to the customers. They can also use the various tools that the life insurance provides to explain the contents of these to the customer. The life insurance quotes can also be prepared using simple calculators, if the financial advisor has the complete knowledge about the mortality charges as per the age and gender of the person.

The life insurance companies use these life insurance quotes to explain the customers about the value of their money. The life insurance quotes add to the transparency of the life insurance companies. In the absence of life insurance quotes, the customers would not know where the money they invest is going. As there are no tangible benefits of the life insurance plans, the life insurance quotes at the least tell the customers about the way his or her money is being distributed to give the desired outcome. The life insurance quotes also tell the customer about the probable returns that he or she will receive.

To make life insurance quotes more user-friendly, the financial advisors may use the definition of the certain jargon that only a life insurance person will understand. By including these terms in these, the financial advisors also help the people become aware of the various terminologies of the typical financial market. By trying to explain these things in the quotes, the financial advisors make their own contributions to the society. At some instances, it has also been observed that the financial advisors include a small list of the mandatory documents that a customer will require when he or she applies for the life insurance plans. This inclusion in the life insurance quotes not only help the financial advisors, but also help the customer. The customer will come prepared with all the relevant details when finally applying.