Tag Archives: emergency

Dec11

Can You Truly Be Prepared For A Financial Emergency?

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Can You Truly Be Prepared For A Financial Emergency?

Financial emergencies can strike any of us at any time. Whether it’s due to a personal injury, an incident on the road, or a sudden major household cost we can find ourselves scrambling to get our finances in order and to avoid falling into debt any more than we need to. Today we’re going to look at some of the preparations you can put in place to make sure that you’re better able to handle those emergency costs when they do arise:

Build An Emergency Fund:

The best way to prepare for an emergency is to make sure that you have some safeguards in place well in advance. First and foremost, put together a savings goal to establish an emergency fund. These should typically cover three to six months of essential expenses, including housing costs, groceries, transport, and other non-negotiables. That way, you can make sure that you have enough of a cushion to get through crises that are as major as even a job loss.

Buy The Insurance That You Need:

Insurance is often overlooked until a crisis hits, but having the right policies in place can prevent emergencies from becoming financial disasters. Make sure that you’re investing in the essential coverage, such as home or renters’ insurance, health insurance, and car insurance (that covers as much as you need), and consider additional coverage, such as income protection to ensure you’re protected even if you’re put out of work for a while. Keep an eye on your policies, checking them yearly to make sure they cover the most probable issues you might face.

Know When You Need A Lawyer:

Sometimes, a financial emergency may stem from an event that wasn’t your fault or responsibility. Whether it’s an injury at work or a car accident, having the number of a reputable lawyer can make a big difference. With a personal injury lawyer, for instance, you can make sure that the person responsible for your injury is also made responsible for your medical bills, as well as any money that you might lose as a result of being put out of work. A good lawyer can help you understand your rights, avoid costly mistakes, and navigate insurance claims more effectively, too.

Keep Your Credit In Good Shape:

While you typically want to avoid having to borrow in order to deal with sudden expenses, sometimes you might have no other readily available option. Keeping your credit score high can offer a significant advantage, allowing you to utilize loans or credit cards with good interest rates, instead of having to rely on more unreliable sources of funding, like payday loans or secured loans that could lead to much worse financial outcomes and higher interest payments.

Emergency situations are an unfortunate part of life and the best thing you can do is be prepared to face them!

Featured Image By: Pexels

Oct28

How To Handle Home Emergencies Like A Pro

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How To Handle Home Emergencies Like A Pro

No matter how organized you are, home emergencies have a way of showing up at the worst possible moment. IE: A burst pipe just before bed, a power cut on a cold evening, a leak in the roof when it’s pouring down, and so on – you know the kind of thing. The problem is that these things happen fast, and when they do, it’s easy to panic. A calm, practical response can make a big difference to the outcome, and knowing what to do in those first few minutes can save you money, reduce damage, and keep your home safe. Keep reading to find out more:

Start With Safety First:

Before anything else, make sure the situation isn’t putting anyone at risk. For example, if there’s water involved, switch off the electricity before going near the problem, and if there’s a fire or gas leak, leave the property immediately and call emergency services. Then, once you know everyone’s safe, you can turn your attention to limiting the damage.

Know Where To Turn Things Off:

A lot of emergencies are made worse because people don’t know where their stopcock or fuse box is, which is why it’s worth taking a few minutes as soon as you can to learn how to turn off your water, gas, and power quickly. This small bit of knowledge can stop a minor issue from turning into a disaster because doing something like turning off the main water supply right away can make a huge difference if a pipe bursts.

Act Fast To Contain The Problem:

Quick action often means less damage, so if water is leaking, use buckets or towels to stop it spreading, and if the roof is letting water in, a temporary cover can protect belongings until help arrives. Why do something at that point even if you’ve got help on the way? It’s because even a few simple steps in those first moments can save a lot of stress later on.

Call In The Right Help:

Some jobs are best left to professionals, especially when it comes to plumbing, electrics, or structural issues. If a burst pipe has caused flooding, getting water damage restoration experts in quickly can prevent mold, protect flooring, and stop further problems from developing. In other words, don’t wait until things get worse to pick up the phone – calling early usually means less disruption and lower repair costs.

Keep A Basic Emergency Kit:

You don’t need to turn your house into a survival bunker, but having a few basics ready can make emergencies easier to manage. Your kit could include a flashlight, spare batteries, a few tools, sandbags or sealant, and a copy of emergency contacts can all help you act fast. Even if you never end up needing to use your kit, it’s always better to err on the side of caution and have one ready anyways.

Home emergencies are stressful, but they don’t have to be overwhelming. Keeping a calm head, a bit of preparation, and knowing when to bring in professional help can make all the difference!

Featured Image By: Slyzyy

Nov21

Misny Merch OOTD Bloopers

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Misny Merch OOTD Bloopers

Helloooo everyone and welcome to the blooper reel from my Misny Merch OOTD! Johnny and I had the best time at Misnyland and I couldn’t wait to show off the new swag we were gifted with from Tim Misny. After lunch with some of my family at veg+, Johnny and I walked the little trail that runs through the bottom of Timber Top AKA Timber Bottom to shoot my athleisure look. We strolled along the scenic banks of MUD CREEK (It really is named that lol) and returned home with lots of pics that I was happy with. We also came back home with some shots that looked like this:

My “whoops” face

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I actually don’t mind my face in this picture but it looks like I don’t have an arm lol cue the whoops face!!

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On my mama, on my hood, I look fly, I look good

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I would have cried SO hard if I tumbled into Mud Creek!!!!

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Huge shout out to the plastic bag on the other side of the creek because now it’s all I notice SMH

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Sexy ladyyyyyyyyyyyyyy

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Elegance, grace, beauty, poise

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Timber Top is a pretty alright place to live. I honestly don’t know how it isn’t when we have Mud Creek running through the property! There are also hella dogs to pet and that’s always a delight. Johnny and I love our chihuahua friend named Nacho and I am so impressed that I spelled chihuahua right on my first go. Sometimes, however, Timber Top is redonkulous. This past year or so, someone died from carbon monoxide poisoning, a building caught fire, and people were breaking bones falling through stairs. SMH.

This past week, we thought another Timber Top tragedy was unfolding before our eyes because we were awakened at 10:30 at night to the sound of a fleet of firetrucks, police cars, and ambulances speeding through the property. We had no idea what was going on a few buildings down the way, but it seemed serious. We could see the flashing lights through our windows, could hear the commotion through the walls, and were waiting on baited breath to see what was going to happen….

Thankfully, it was nothing!! Someone was running their dryer at night and because of the cold, it looked like the vents were smoking. While this may seem like a massive inconvenience to some, I’m SO thankful that someone called it in. After another building catching on fire, you cannot be too careful and I am most appreciative to our local safety enforcement for being so Johnny on the spot. What was a trick of the eye could have been something serious and I am so glad that it wasn’t and that no one got hurt. Whoever called this in was focused on keeping our apartment community safe rather than sorry and I commend them! ❤

You never know what’s going to happen in Timber Top and it is a blessing that a goose egg came from our nighttime wake up call. Here’s to an accident free new year in good ol’ TT!!

What was something you thought was serious that ended up being nothing? Do you have any funny named landmarks in your neck of the woods? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

May7

Moving House? Location Is Everything

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Moving House? Location Is Everything

While some people seek out locations to move house that are off the beaten path, for the most part, a more convenient location tends to be a huge factor when deciding to move. It’s important to think about how far you are willing to drive to get from point A to point B and to consider the following when determining if a potential home’s location is right for you:

In Case Of Emergency:

Being within close proximity of adequate medical care should be a high priority in case of a health emergency. You will want your new home to be nearby to a hospital that takes your insurance and that can easily be accessed by an ambulance. For that reason, a house on a street that easily gets backed up with traffic is not ideal.

Don’t forget to consider home emergencies, as well. Is there going to be an emergency locksmith handy in case you lose your keys? How about a highly rated local plumber if one of your pipes burst? Do your research about the professionals in the area you might be moving into to make sure they can quickly be available if need be.

Consider Your Commute:

The location of a potential home should never make your drive to work less convenient for you. Find out what your new route to work would be and if the drive doesn’t feel doable, especially during peak traffic times, then it might not be for you. Remember, you will be stuck with that commute until you move again.

Access To Education:

Are there good local schools around the home you are considering if you have children or are planning to? Or are you thinking about going back to school? Driving an hour plus to the closest college can instantly put a damper on a potential home. Think about your future goals and plans and ask yourself if the home’s location can accommodate them.

Highways/Shopping Centers:

Is the home you are looking at close to local shopping centers for groceries, clothing, home maintenance, etc.? If not, is it in close proximity to a highway that can get you to the nearest stores quickly? I don’t know about you, but I wouldn’t want to drive a half hour every time I had to go grocery shopping!

“Location is everything” is an often heard phrase when it comes to moving house and it usually rings pretty true. Unless you don’t mind more driving, that is!

Nov1

How To Deal With A Home Damage Emergency

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How To Deal With A Home Damage Emergency

A home damage emergency can happen at any time and, like many things in life, they can often come at the wrong time. It’s worth making sure you know how to deal with a home emergency, however big or small it may be. With that being said, here are some tips for dealing with a home damage emergency so that life can return to normal as soon as possible:

Check Everyone Is Safe:

It’s important to know that when home damage occurs within your home, that all of the household is safe and sound. Whether it’s a kitchen fire or a constant flow of water coming out of the bathroom toilet, it’s good to take scope of everyone in the premises. Checking in to see if your children and partner are safe is important because then you can focus on the matter at hand. It might be that some home damages are caused by a member of the household, and they possibly could have injured themselves as a result. That’s why it’s important to check that everyone is okay and that no one is seriously harmed.

Do a once-over of any family members and guests, and then you can get any information necessary about what happened. This can be particularly important in scenarios where someone might be stressed out over what’s happened and needs calming down.

Assess The Damage Yourself:

Next up, it’s important to assess the damage that has been caused and whether or not it poses an instant threat. For some, like the boiler breaking down or becoming compromised in some way, could be dangerous to your home and therefore need you to vacate the property until the professionals arrive to look at the issue further. There also might be occasions where the damage is possibly very minimal and, as a result, you don’t need to call anyone out and instead may be able to fix the problem yourself. However, care must be taken when it comes to fixing things yourself because there is a chance that you might cause further damage. Be sure you know exactly what you need to do before going through with it. Otherwise, it may end up being a more costly fix.

Call Emergency Services If Needed:

When it comes to emergency services, it might be that you need to request their help in a situation where a family member is injured or you need authorities to take an account of what happened. There are times where property damage has been caused by someone else that doesn’t live in your household and is needing to be found or dealt with. The emergency services are there as and when you need them so if you need them, don’t be afraid to call.

Call In The Professionals:

When it comes to property damage, some jobs might require more than what you’re capable of. With that being said, it might be necessary to call in the professionals to get the job done. Again, attempting to do it yourself may not be something that is possible or that will end up going correctly. And so it’s worth hiring a property damage restoration company to come in and to assess the damage themselves so that the right work can be carried out. As much as it’s nice to think that your skills and experience expand to this level of expertise, it’s not always the case.

Try To Keep Life As Normal As Possible:

Finally, when it comes to property damage, it can end up throwing off the normal routine that you and your family might have. Try to keep life as normal as possible whatever home damage has been caused. The sooner you can get it fixed the better, but it’s something that shouldn’t impact your way of living for too long. Keep everyone happy and focused on other things until the problems can be solved.

Dealing with a home damage emergency can often be a challenge, but if you’ve got the right people to do the job, then it’s going to get done in no time at all! 🙂

Featured Image By: Pexels

Jan2

5 Signs You Need To Visit An Emergency Dentist

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5 Signs You Need To Visit An Emergency Dentist

Although it may be a little overwhelming, deciding whether or not you need to visit an emergency dental practice ​can be difficult. Whether you’ve been experiencing a lot of pain or you’ve been in an accident that has caused damage to your teeth, you need to be sure you know exactly when you need to see a professional. Whilst not everything will be considered an emergency, it’s important for you to know when you need medical attention. With that in mind, here are 5 signs you need to visit an emergency dentist:

You’re Experiencing Severe Pain​:

One of the main reasons you need to book yourself an emergency dentist appointment is if you’re experiencing severe pain. Although toothaches can be incredibly painful, you need to be in severe agony to be able to consider an emergency appointment. Whether that means your pain doesn’t subside with tablets or it means you’re unable to do day-to-day activities, if you’re in pain you need to see someone straight away. For at-home ways to treat severe toothache, you can visit this site here.

You’ve Been In An Accident That Has Damaged Your Tooth​:

If you have been in an accident that has damaged your tooth, you need to book an appointment as soon as you possibly can. Although you may not be able to fix the issue right away, the sooner you see a professional the better. Not only will they be able to tell you the type of treatment you need, but they’ll be able to give you something to help with the pain. For advice when it comes to damaging a tooth, you can visit this site here.

You’ve ​Been Referred By A Professional:

Another sign you need to visit an emergency dental office is if you have been referred by another medical professional. Although you may not feel as though you’re in a medical emergency, a toothache can affect several other parts of your body. From earaches to sore throats, you may find that a dentist is able to help.

Your Pain Hasn’t Subsided​:

If you have visited the dentist with an issue in the past and the pain still hasn’t subsided, you may want to book an appointment to see them again. If the pain is getting worse, you need to ensure you’re booking an emergency appointment, as it could be something serious. If you can’t get an appointment right away, you might want to consider calling an out of hours helpline.

There’s No Other Practice Open​:

Finally, if there is no other practice open and you think you need help right away, it might be best to book an emergency appointment. If you’re unsure, the dental office will also be able to advise you as to whether or not you can wait until your regular practice is open again.

If you are experiencing extreme problems with your teeth, use the advice above and act accordingly!

Featured Image By: StockSnap from Pixabay

May24

Keeping Safe When You Are Traveling: A Complete Guide

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Keeping Safe When You Are Traveling: A Complete Guide

Who doesn’t love to travel? Whether it’s for a vacation, business, or to visit your family, travel educates and entertains. Unfortunately, some trips do not go well and are ruined by accidents or ill health. Here’s a quick guide to how you can keep healthy when you are away from home and what you can do if something goes wrong. But fingers crossed that it doesn’t, of course!

Be proactive and prepare before you go:

Be realistic about your health and your physical limitations before you travel. This is especially important if you have chosen to travel by air. There are some people who should not fly and they include:

  • Babies under 2 days old
  • Women who have passed 36 weeks of pregnancy
  • People who have recently had any type of surgery
  • People who have recently suffered a stomach, eye, or head injury.
  • People who have recently had a heart attack or stroke

If you have any sort of health condition it is always a good idea to talk to your doctor before you leave, just in case.

Plan ahead for injuries and illnesses:

You will be responsible for hospital and other medical arrangements during your trip so double check your health insurance and make sure that you are covered for the entirety of your vacation as well as the location you are traveling to. Should you be planning a longer stay, it is a good idea to enter a search for “health insurance quotes florida” (or your vacation destination) in case a medical emergency arises. No one wants to imagine anything going wrong on a trip, but it is far better to be safe than sorry. In addition, think about where you will access treatment if you become ill or injured. Compile a list of USA emergency dentist locations and hospitals in case something goes wrong. This will cut down your stress levels if you are in need of treatment while you are away, as you will already have a place in mind.

Take your own first aid kit with you for minor emergencies. Stock it up with band-aids, antiseptic wipes, and cotton wool so that you can treat cuts and scrapes. Include any prescribed medication and some pain killers. Some basic first aid knowledge is essential so have a read up on what you should do in an emergency. You also need to know when you should call a doctor. In general terms, you need to call medical assistance if you have diarrhea AND a high fever, have been bitten or scratched by an animal, or have been in an accident and are seriously injured.

Let your friends and family know when you will be going, where you will be going, and when you intend to return. Always carry details of your next of kin and your medical requirements with you. You can store these in a mobile phone or in card form in your wallet.

Look after your health while you are away:

It is easy to get carried away on holiday and take risks that we would not take when we are at home. Some sensible precautions will go a long way towards making your trip a safe one. Limit your alcohol intake and use sunscreen when you are in hot and sunny climates. Be especially careful if you are on the coast or in the country as there are additional hazards. Be aware of your surroundings and think about the dangers that you might face and how to avoid them as necessary.

Vacation is meant for fun, not catastrophe. Have a back up plan in place for peace of mind while you have a good time!

Featured Image By: Pexels

May23

Don’t Delay Dealing With These Top Household Emergencies

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Don’t Delay Dealing With These Top Household Emergencies

When an emergency hits our home, it can throw many of us into a state of panic. If something happens at our work or when we are out on the street, then we can live safely in the knowledge that once we get home, we are safe. After all, it’s not like any of us willingly live in homes that have any threat constantly present (unless you’re a total daredevil, that is). But if something occurs in your home that qualifies as an emergency, it is vital that you are prepared.

Your home shouldn’t be somewhere that you should have to leave for an extended period, especially if you have young children in tow. Leaving due to an incident beyond your control can be incredibly frustrating, and as kids depend on routine, you could find it a very challenging and emotional time. That is why it is in everyone’s best interests to get any household emergency sorted out as soon as possible, so you can all get back to normal life within a day or so. Here are some examples of the most common household disasters, and what you can do to solve them in record time:

Wild Animal Invasion: You may think that because you live in the city, that you are not at risk of an animal or pest invasion. It’s not exactly like there are wild deer or bears casually stalking your home every time you look out the window. But, it may come as a surprise to find out that animals and pests can be just as common within the city as they are in some rural areas – the animals are just good at hiding, that’s all! Common perpetrators include badgers and raccoons, who like to hang around trash cans, and insects such as woodworms. If you get a large animal in your home, try not to panic. Isolate it in a room to stop it from harming yourself or others and give it an escape route, if you can. Never try to tackle it yourself or let your dog or cat near it – you could end up with an even messier situation on your hands.

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Hello!

A Burst Pipe: As far at home-based mishaps go, few are more damaging than a burst pipe. This incident can cause a spectacular amount of damage in a matter of minutes, so it is vital that you act fast. Pipes can burst for reasons, such as a blockage or the fact that the pipe may be frozen. The most important thing to do is to seek help from a professional such as the people available from www.plumbingforce.co.uk. If your leak is particularly bad, turn off the main water supply and clean up any major spills as soon as possible – before your home turns into an indoor water park!

Internal Fire: House fires are typically every homeowner’s worst nightmare. They can easily get out of control even if they start small, which is why it’s very important to know how to deal with them. If the fire is in your oven, the worst thing that you can do is to open the door. Keep it shut, and eventually, the fire should burn itself out. If it is an open fire elsewhere, use an extinguisher or a fire blanket to try and tackle it, and then call the emergency services.

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Yikes!

Household emergencies can be scary and stressful – but knowing how to deal with them can help save you from even more panic/pulling your hair out.