by Melanie Taylor | Oct 16, 2017
Make Halloween a fun and safe night for children and adults alike.
From candy to pumpkins to the costumes, Halloween is a fun-filled time for kids and adults alike. However, it can pose dangers. To help make this year’s trick-or-treat a safe and fun time, follow these simple safety tips compiled by the American Academy of Pediatrics.
CREATIVE COSTUMES:
Plan costumes that are bright and reflective. Make sure shoes fit well and costumes are short enough to prevent tripping, entanglement, or contact with flames.
Consider adding reflective tape or striping to costumes and trick-or-treat bags for greater visibility.
Because masks can limit or block eyesight, consider non-toxic makeup and decorative hats as safer alternatives. Hats should fit properly to prevent them from sliding over eyes. The makeup should be tested on a small patch of skin ahead of time to ensure there are no unpleasant allergies on the big night.
When shopping for costumes, wigs, and accessories, look for and purchase those with a label clearly indicating they are “flame resistant.”
If a sword, cane, or stick is a part of your child’s costume, make sure it is not sharp or long. A child may be easily hurt by the accessories if he/she stumbles or trips.
Do not use decorative contact lenses without an eye examination and a prescription from an eye care professional. While the packaging on decorative lenses will often make claims such as “one size fits all,” or “no need to see an eye specialist,” obtaining decorative contact lenses without a prescription is both dangerous and illegal. This can cause pain, inflammation, and serious eye disorders and infections, which may lead to permanent vision loss.
Review with children how to call 911 if they ever have an emergency or become lost.
PUMPKIN CARVING TIME:
Small children should never carve pumpkins. Children can draw a face with markers. Then adults can do the cutting.
Consider using a flashlight or glow stick instead of a candle to light your pumpkin. If you do use a candle, a votive candle is safest.
Candlelit pumpkins should be placed on a sturdy table, away from curtains and other flammable objects, and not on a porch or any path where visitors may pass close by. They should never be left unattended.
HOME SAFETY:
To keep homes safe for visiting trick-or-treaters, parents should remove from the porch and front yard anything a child could trip over such as garden hoses, toys, bikes, and lawn decorations.
Adults should check outdoor lights and replace burned-out bulbs.
Wet leaves and debris should be swept from sidewalks and steps.
Restrain pets so they do not jump on or bite a trick-or-treater.
TRICK-OR-TREAT TIME:
A responsible adult should always accompany young children during their neighborhood trick-or-treating.
Obtain flashlights with fresh batteries for all children and adults.
If your older children are going alone, plan and review the route that is acceptable to you. Agree on a specific time when they should return home.
Only go to homes with a porch light on and never enter a home or car for a treat.
Because pedestrian injuries are the most common injuries to children on Halloween, remind Trick-or-Treaters to:
- Stay in a group and communicate where they will be going.
- Remember reflective tape for costumes and trick-or-treat bags.
- Carry a cellphone for quick communication.
- Remain on well-lit streets and always use the sidewalk.
- If no sidewalk is available, walk at the far edge of the roadway facing traffic.
- Never cut across yards or use alleys.
- Only cross the street as a group in established crosswalks (as recognized by local custom). Never cross between parked cars or out of driveways.
- Do not assume the right of way. Motorists may have a hard time seeing Trick-or-Treaters.
- Just because one car stops does not mean others will!
- Law enforcement authorities should be notified immediately of any suspicious or unlawful activity.
HEALTHY HALLOWEEN TIPS:
A good, healthy dinner prior to parties and trick-or-treating will discourage children from filling up on Halloween treats.
Consider purchasing non-food treats for those who visit your home, such as coloring books, stickers, or pens and pencils.
Wait until children are home to sort and check treats. Though tampering is rare, a responsible adult should closely examine all treats and throw away any spoiled, unwrapped or suspicious items.
Try to ration treats for the days and weeks following Halloween to prevent overindulging, which will lead to a stomachache and ruin the night’s fun.
Make sure the Halloween night is fun and safe with the suggested tips above. These tips will help guarantee you all a ghoulishly good time.
Source: American Academy of Pediatrics
by Judy Corbus | Oct 10, 2017
Photo credit: Judy Corbus
The recent security breach at Equifax from mid-May through July 2017 exposed the personal information of 143 million people; this included Social Security numbers, birth dates, addresses, and driver license numbers. You may be wondering, “Am I affected?” and, if so, “What should I do now?”
First, find out if your information was exposed at https://www.equifaxsecurity2017.com/potential-impact/. Make sure you are on a secure computer and an encrypted network connection. Even if your information was not exposed, U.S. consumers can get a year of free credit monitoring and other services. The site will give you a date when you can come back to enroll. Write down the date and return to the site and click “Enroll” on that date. You have until November 21, 2017 to enroll.
Order your free credit reports annually through the federally authorized web site www.annualcreditreport.com. You are allowed one free report every 12 months from each of the three major credit reporting agencies: Equifax, TransUnion, and Experian. Your credit reports will provide a detailed history that may better alert you to credit fraud.
Consider a credit freeze. A credit security freeze prevents credit reporting agencies from releasing your credit report or information from it, with a few exceptions, unless you lift the freeze. A credit freeze prevents identity thieves from opening new accounts in your name but it won’t prevent a thief from making charges to your existing accounts. It also does not prevent non-credit related frauds, such as tax refund identity theft and health insurance fraud. For these, consumers are advised to “be vigilant.”
You must request a credit freeze with each agency. In Florida, the fee to place a freeze is $10 with each agency for persons under age 65. If you are 65 or older or have been a victim of identity theft, the fee is waived. Currently, Equifax is waiving fees. You will need to lift the freeze if you want to open a new account, change insurance policies, rent housing, or sign up for new utilities or phone service – any transaction requiring a credit check. The fee to lift the freeze, either temporarily or permanently, is $10 per agency and it may take up to three business days for the lift to take effect.
Credit freeze requests may be made online, by phone, or by certified U.S. mail. Be patient and persistent, as many consumers are filing requests; websites often get overloaded temporarily. Below is the contact information for each credit reporting agency for each contact method:
Online
Equifax: https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp
Experian: https://www.experian.com/freeze/center.html
TransUnion: https://www.transunion.com/credit-freeze/place-credit-freeze
Telephone
Equifax: 800-685-1111
Experian: 888-397-3742
TransUnion: 888-909-8872
U.S. Mail
Equifax: Equifax Security Freeze, P.O. Box 105788, Atlanta, GA 30348
Experian: Experian, P.O. Box 9554, Allen, TX 75013
TransUnion: TransUnion LLC, P.O. Box 2000, Chester, PA 19016
For mailed security freeze requests, include the following information in a cover letter format:
- Full name (with middle initial) and former name, if applicable
- Current address and former addresses within the last five years
- Social Security number
- Full date of birth (month, day, year)
- Signature
- Photocopies of two forms of identification, such as a government-issued identity card and proof of residence such as phone bill or utility company bill.
For more information, visit: http://www.freshfromflorida.com/Consumer-Resources/Scams-and-Fraud/Identity-Theft/Security-Freeze-Credit-Report
Federal Trade Commission – steps to take to protect your information:
https://www.consumer.ftc.gov/blog/2017/09/equifax-data-breach-what-do
Adapted from:
The Equifax Data Breach: What to Do, Federal Trade Commission
Equifax Security Breach: Steps to Protect Yourself, UF/IFAS Extension Hillsborough County
To Freeze or Not to Freeze My Credit Report?, University of Illinois Extension
Credit Freeze Information in the Wake of the Equifax Hack, Rutgers University Extension
by Judy Corbus | Oct 10, 2017
Photo credit: Judy Corbus
If you have been affected by the recent Equifax data breach, you may be exploring your options as to what to do next. All three major credit reporting agencies, Equifax, TransUnion, and Experian, give you the option of placing a fraud alert or a credit freeze on your file. So, what is the difference between a fraud alert and a credit freeze?
Fraud Alert
When you activate an initial fraud alert on your report, a business must verify your identity before it issues credit, so it may try to contact you. This can make it more difficult for an identity thief to open new accounts in your name. The initial fraud alert stays on your report for 90 days and you can renew it at the end of the 90-day period. Fraud alerts are free and the credit reporting agency you call must tell the other agencies about your alert. It also allows you to order a free copy of your credit report from each of the three credit reporting agencies. Be sure the credit reporting agencies have your current contact information so they can reach you.
You can place an extended fraud alert on your credit file if you have created an Identity Theft Report. With an extended alert, you can get two free credit reports within 12 months from each of the three credit reporting agencies, and the agencies must take your name off marketing lists for pre-screened credit offers for five years, unless you request to be added back to the lists. The extended alert lasts for seven years.
Credit Freeze
A credit freeze generally stops all access to your credit report. If you wish to open a new account, apply for a job, rent an apartment, buy insurance, refinance your mortgage – any transaction requiring a credit check – you must contact the credit reporting agency to lift the freeze, either temporarily or permanently. You will get a PIN to use each time you wish to freeze or unfreeze your account. In most states, there is a fee to activate a freeze as well as to lift it – usually around $10 for each and per credit reporting agency. There also is a lead time before the freeze is lifted so you would need to arrange for it in advance or be prepared to wait a few days if you planned to apply for credit. Cost and freeze lift lead times may vary so you may wish to check your state’s law or contact the credit reporting agency in advance. In most states, a credit freeze lasts until you lift it; in a few states, it expires after seven years. Click here for the Florida Statute regarding consumer security freezes.
A credit freeze may not prevent misuse of your current accounts or other types of identity theft, such as tax refund identity theft and health insurance fraud. Also, companies with whom you do business still would have access to your credit report for some purposes.
So, fraud alert or credit freeze? It depends a lot on what you have coming up in the near future. If you’re planning to apply for a loan or mortgage, you will have to unfreeze and freeze with each application – consider the cost and time involved. If you are not planning to apply for new credit, then a credit freeze may be a good option for you.
For more information on credit fraud alerts and freezes, visit:
Place a Fraud Alert and Extended Fraud Alerts and Credit Freezes
Sources:
Federal Trade Commission – Place a Fraud Alert
Federal Trade Commission – Extended Fraud Alerts and Credit Freezes
Federal Trade Commission – Fraud Alert or Credit Freeze – Which is Right for You?
UF/IFAS Extension Hillsborough County – Equifax Security Breach: Steps to Protect Yourself
by Heidi Copeland | Sep 12, 2017
For nearly 40 years, National Grandparents Day has been celebrated as an opportunity to express gratitude for all that grandparents do for families and communities. According to the U.S. Census Bureau Profile, America Facts for Features, in 1970, Marian McQuade initiated a campaign to establish a day to honor grandparents. In 1978, President Jimmy Carter signed a federal proclamation, declaring the first Sunday after Labor Day to be National Grandparents Day.
Across the U.S., not only are grandparents appreciated for sharing their time, wisdom, and values, but they are currently stepping up to raise over 7.2 million children under the age of 18 whose biological parents are unable to do so, thus keeping the children out of the foster care system. In Florida, 11% of children live in homes where householders are grandparents or other relatives.
Locally, in Leon County, there are more than 2,000 grandparent-headed families, where:
- 13.1% of the grandparents are 60 years and older
- 39.8% of these families live below the poverty level
- Nearly 50% of these families have had the children for 5 or more years
The reasons as to why so many grandparents are raising grandchildren are many and varied. Nationally, substance abuse causes more than one third of this type of placement. Nevertheless, because of a grandparent’s selfless devotion and generosity to the needs of others, grandparents are, in fact, owed a great deal of thanks for their altruism.
As one grandmother exclaimed, “For my 50th birthday, I got a 2 year-old. My story isn’t unique.” In fact, grandparent roles in children’s lives are so significant that the Grandparents as Parents (GaP) Program of the Tallahassee Senior Foundation, funded by the Leon County Commission, grants, and donations, has a program and support group just for them! According to Karen Boebinger, GaP Program Coordinator, “The GaP program provides moral support and resource assistance to these grandfamilies who are trying to navigate through their new lifestyle.”
AARP® has streamlined the gathering of relevant information pertinent to this nationwide dilemma. The AARP® resource, Grand Families Fact Sheet, includes state-specific data and programs available, as well as information about public benefits, educational assistance, legal relationship options, and state laws. This fact sheet also contains many other resource tools such as the National Council on Aging’s questionnaire that helps grandparent caregivers and/or the children they are raising determine if they qualify for certain programs that pay for food, an increase in income, and/or home and healthcare costs. Once the questionnaire is completed, the website generates a list of eligible programs and contact information. (www.aarp.org/quicklink)
Take a moment today and every day to give thanks and appreciation for the thousands of grandparents in our community and around the country for the service they do for children. One thing is for certain: grandparents are more valuable to their grandchildren and communities than ever. Grandparents are indispensable and important people.
Want more information about supporting GaP or do you need support yourself? Contact Karen Boebinger, GaP Program Coordinator, at 850-891-4027 or karen.boebinger@talgov.com.
by Angela Hinkle | Aug 24, 2017
What’s worse than wearing wet socks? Okay – wet, dirty socks. Or wet, dirty socks with holes. Ooh, ooh, the worst – cold, wet, dirty socks with holes.
If your feet are in clean, dry socks with no need of mending, think for a moment about those not so lucky.
Homeless shelters are continuously in need of new socks. If you’re homeless, you walk – a lot. Many homeless walk several miles every day for food, shelter, and other essentials. Getting the assistance you need is easier when your feet are healthy and don’t have blisters. People are often more motivated to seek employment and keep it when they feel confident in the way they look. Wearing socks and shoes with holes decreases their sense of self-worth. A clean set of socks is often the first step in restoring their feeling of dignity.
Wet socks breed bacteria, which can cause infection. And since more than a million Americans have diabetes, wearing cold, wet, holey, dirty socks puts them at greater risk of skin injuries and infections. According to WebMD, diabetics should never walk barefoot and should wear comfortable socks and shoes that fit well and protect the feet. For more foot care tips, see Tips on Good Foot Care.
If you like keeping things local, know that cotton is considered a power crop in the panhandle of Florida. It’s rotated in alternate years with peanuts to avoid pests, diseases, and weeds. Some socks are 100% cotton; many are a blend of cotton mixed with other fibers.
So, help the local economy in the Florida Panhandle and help someone by giving them socks. Buy new socks with cotton. Keep a pair for yourself and donate some to a homeless shelter near you. (Waterfront Mission is a great place to start – Waterfront Mission Donations.) You’ll feel better and so will they.
by Amy Mullins | Aug 24, 2017
It’s something we all hopefully learned as children and carry with us now into adulthood: washing our hands often and properly. But I’m sorry to say that we’ve probably all witnessed numerous instances of people leaving the restroom, coughing or sneezing, touching their cell phones or any number of other filthy surfaces, and then neglecting to wash their hands. According to a research study from Michigan State University (2013), only 5% of people washed their hands properly after using the toilet with 7% of men and 15% of women not washing their hands at all. This type of behavior is a recipe for disaster, leading to the spread of germs and pathogens.
Germs and pathogens are invisible and ubiquitous, living on every imaginable surface. Even though they can’t be seen by the naked eye they have the ability to make us very sick, and can even be deadly. According to Dr. Charles Gerba, a microbiologist with the University of Arizona, a typical cell phone has approximately 25,000 germs per square inch! We spread germs very easily from surface to surface and from hand to mouth, increasing the potential for illness to ourselves and others every step of the way. If these germs contaminate food contact surfaces or the food we eat, the likelihood for a foodborne illness has been created. Common symptoms of foodborne illness include diarrhea, vomiting, nausea, and abdominal cramps. The Centers for Disease Control and Prevention (CDC) estimates that each year roughly 1 in 6 Americans (or 48 million people) gets sick, 128,000 are hospitalized, and 3,000 die of foodborne diseases.
The good news is that we all have the power to stop the spread of germs. The Food and Drug Administration says that “washing with plain soap and running water remains one of the most important steps consumers can take to avoid getting sick and to prevent spreading germs to others.”
It’s good practice to always wash your hands (CDC):
- Before, during, and after preparing food
- Before eating food
- Before and after caring for someone who is sick
- Before and after treating a cut or wound
- After using the toilet
- After changing diapers or cleaning up a child who has used the toilet
- After blowing your nose, coughing, or sneezing
- After touching an animal, animal feed, or animal waste
- After handling pet food or pet treats
- After touching garbage
Are you following these steps to proper handwashing (CDC)?
- Wet your hands with clean, running water (warm or cold), turn off the tap, and apply soap.
- Lather your hands by rubbing them together with the soap. Be sure to lather the backs of your hands, between your fingers, and under your nails.
- Scrub your hands for at least 20 seconds. Need a timer? Hum the “Happy Birthday” song from beginning to end twice.
- Rinse your hands well under clean, running water.
- Dry your hands using a clean towel or air dry them.
Soap and water may not always be available, so using hand sanitizer is the next best thing. Although hand sanitizers don’t kill all germs, the CDC recommends choosing a sanitizer with at least 60% alcohol to significantly reduce the number of germs and pathogens on your hands.
For more information on handwashing and hand sanitizers refer to the CDC Handwashing Factsheet. Additional information about foodborne illnesses and the pathogens that cause them can be found at https://www.cdc.gov/foodsafety/foodborne-germs.html
