Posted on 10/31/2013 8:00 AM By First Pioneer Insurance
Halloween is just around the corner and many consumers may not realize how frightening this spooky night could really be for their personal safety, their property or their bank accounts. Here are some ways to prepare for Halloween hazards:
Don’t be a Scary Driver: As always do not drink and drive. Be sure to take extra time when out in neighborhoods as children may be running or in a costume that prevents you from easily seeing them.
Stay Accident-free: Remove or move lawn furniture, or any other obstacles, to avoid accidents or damage. Ensure your home’s entry is in good condition, free of loose or broken pieces on stairwells and walkways to avoid trick-or-treaters’ injuries on your property.
Prevent Fire Dangers: Prevent fires by making sure pumpkins containing candles are placed at a distance where a child’s costume cannot be ignited or a curious guest may tip it over. Extinguish all candles before going to bed. Consider using battery operated lights wherever poss ...
Posted on 8/2/2013 12:13 PM By First Pioneer Insurance
Due to the recent excess of rain and substantial flooding we felt it was important to share safety tips regarding flooding and how it can create fire hazards. As you probably know if you are experiencing flooding in your home there is a high chance of water-damaged electrical equipment that can create hazards. Here are some questions you may have to ask yourself:
Will I be able to use the appliances after they dry out?
Are the circuit breakers and fuses going to be safe to use as well?
How I know if I need to replace my electrical wiring?
Floodwater within or around a home can create some serious fire hazards if the electrical wiring and equipment have been submerged or partially submerged in water. Often times even after professional cleaning and drying the residual flood effects can linger. What everyone needs to know is that when you begin to clean up after a flood there are numerous hidden electrical hazards.
Do not consider this a DIY or look up on Pinterest project ...
Posted on 3/14/2013 12:37 PM By First Pioneer Insurance
Today, March 14, is Pi Day, which is an annual celebration for many math lovers.
No, no not that kind of PIE !
Mathematics of Pi
Pi is indispensable to geometry in determining the circumference of a circle, the area of a circle and the volume of a cyclinder. Pi is a constant, so it will be the same for circles of any size.
Circumference = (Pi) x (Diameter)
Area = (Pi) x (Radius Squared)
Volume (cylinder) = (Pi) x (Radius Squared) x (Height)
When did National Pi Day start?
The House of Representatives passed a non-binding resolution declaring March 14 to be National Pi Day as of March 12, 2009.
Einstein and Pi Day
Pi has to share its day, March 14, with the celebration of the birthday of legendary mathematical genius Albert Einstein.
Origin of Calculation
The brilliant, ancient mathematician Archimedes is credited with the first calculation of Pi.
Archimedes used polygons with many sides to approximate circles and concluded that Pi was approximately 22/7.
Pi Symbo ...
Posted on 3/8/2013 6:57 AM By First Pioneer Insurance
The April 15th deadline for taxes to be submitted is approaching quickly. This may be causing many of you anxiety but you are not alone! These are the top two tax concerns:
What if I cant finish my return on time?
The IRS can hit you with a failure-to-file penalty that is equal to 5% of the amount you owe per month, up to 25%. Not only that but the IRS can hit you with a failure-to-pay penalty, equal to half of 1% of what you owe each month, up to 25% of your unpaid taxes. A six-month extension is available as an option but you still must pay your taxes by April 15. If you pay 90% of what you owe, you will not be charged extra. Versus if you do not pay 90% of what you owe, penalties of underpayment will still apply.
What could cause me to get audited?
The IRS usually tends to audit wealthier people because the rich have more complex tax returns that most, and in particular business owners. The quickest way to get an inquiry from the IRS is to not supply 1099 or W-2 to employees. Those forms have copies se ...
Posted on 2/21/2013 11:21 AM By First Pioneer Insurance
Good news for North Carolina businesses and residents who were affected by the flooding and storms that occurred January 30. SBA Administrator Karen G. Mills announced that those who suffered damage can apply for low-interest disaster loans from the U.S. Small Business Administration. The loans have been made available in response to a letter that Gov. Pat McCrory sent Administrator Mills on February 12. The letter requested that the SBA declare a disaster covering Watauga County and the adjacent counties of Ashe, Avery, Caldwell and Wilkes in North Carolina and Johnson County in Tennessee.
"The SBA is strongly committed to providing the people of North Carolina with the most effective and customer-focused response possible to assist homeowners, renters, and businesses of all sizes with federal disaster loans," said Administrator Mills. "Getting businesses and communities up and running after a disaster is our highest priority at SBA."
"Loans up to $200,000 are available to homeowners ...
Posted on 2/8/2013 12:59 PM By First Pioneer Insurance
What is an ice dam?
An Ice dam is something that happens as a result when heat from the interior of a house with a sloped roof escapes into the attic space, it warms the underside of the roof. Meanwhile, the roof eave outside the heated space remains a colder temperature.
When snow accumulates on the rooftop, it melts over the warmer portion of the attic and the melt water runs down the roof. When it encounters the cold edge of the roof it refreezes. The refrozen water along the roof edge creates an “ice dam” and consequently, the melted snow running down the roof begins to back up underneath the roof covering. This water will soak the roof sheathing and leak into the attic unless there is a barrier above the sheathing. Sealing the roof deck is an effective way to prevent the water from entering your home and causing damage.
How to prevent ice-dams
To help prevent ice damming, remove or relocate heat sources that are installed in open attic areas directly under the roof, such as an attic.
Posted on 2/1/2013 12:04 PM By First Pioneer Insurance
The Dairy Calf & Heifer Associations “Tip of the Week” is geared towards the cold weather that we have all been experiencing including your animals. As temperatures drop, calves need more energy to generate heat to maintain a constant body temperature to keep warm.
Posted on 1/21/2013 12:26 PM By First Pioneer Insurance
Learn About Risk From Radon
You can’t see, smell, or taste radon, but it could be present at a dangerous level in your home. Radon is the leading cause of lung cancer deaths among nonsmokers in America and claims the lives of about 20,000 Americans each year. In fact, the EPA and the U.S. Surgeon General urge all Americans to protect their health by testing their homes, schools, and other buildings for radon. Exposure to radon is a preventable health risk, and testing radon levels in your home can help prevent unnecessary exposure. If a high radon level is detected in your home, you can take steps to fix the problem to protect yourself and your family.
Radon is a cancer-causing, radioactive gas.
Radon is a naturally occurring radioactive gas released in rock, soil, and water from the natural decay of uranium. While levels in outdoor air pose a relatively low threat to human health, radon can accumulate to dangerous levels inside buildings. You can’t see, smell, or taste ...
Posted on 12/28/2012 1:24 PM By First Pioneer Insurance
Online backup is expected to continue evolving in 2013, helping businesses of all sizes protect important data from natural disasters and other disruptions especially small businesses who do not have resources for IT specialists. By keeping information off-site, firms can access their files following these types of incidents. InfoStor recently polled several industry professionals to determine what is on the horizon for technologies like cloud computing.
According to Gytis Barzdukas, senior director of product management at an online backup vendor, cloud backup solutions are expected to be crucial for businesses in 2013.
“The acceptance of cloud solutions and an understanding in the enterprise of the benefits that they bring have created a hot market for online backup – just at the point when products are maturing into enterprise-ready propositions,” Barzdukas told InfoStor.
Cloud computing includes several deployment types, including public, private and hybrid models. Barzdukas told the ...
Posted on 12/19/2012 11:13 AM By First Pioneer Insurance
Need help with college costs? Apply for the annual DCHA scholarship!
The five main categories of expenses associated with college:
Tuition & Fees
Room & Board
Books & Supplies
You can control some of these costs to some extent. And when you know how much you'll need to spend on these expenses, it makes it easier to create a college budget. DCHA members recognize that the dairy industry will benefit by ensuring that ag students have the chance to excel! The association strongly supports the industry's future through its annual scholarship program.
This week's tip highlights the opportunity DCHA offers to one of its members, member's son, daughter or legal dependent - a $1,000 scholarship. DCHA members or children of DCHA members who are attending college in an agricultural major may apply for the scholarship.
The organization awards one $1,000 scholarship annually. Candidates must be currently enrolled in a ...