Go Hands Free! Check out this new Hands Free Product!

I came across this product the other day and I just had to do a post about it.  It truly is Hands Free!  The best thing is that this product will work on all phones and it slips on in about 1 second.   I recently saw on the news that most states are passing laws regarding hands free devices, so this is definitely something worth checking out.

Buy 2 Get 2 Free!

They are having a great special right now where you buy two and you get two free, you just have to pay the processing which is only $7.95.  So that’s a great deal.  Your getting four of these  hands free devices and your also getting two of the bonus non-slip grip mats that they have.  You get all of this for only like $26.00!

Promotional Video is Hilarious

I have to say this is one of the funniest promotional videos that I have seen.  This guy is so funny.  If you haven’t seen it yet, click on the banner and go check it out.  So funny.  I like when he’s ripping on the other “Hands-Free” devices out there.  haha

I also love the non-slip grip mat, I know I have had my phone slide across the dash of my car or even fall of my center console and then fall between the seats.  What a pain in the butt to try and get that back out.

Less Accidents = Cheaper Insurance

Face it, most everyone is using their phones in the car.  Most of us try to avoid it as much as we can, but even I’m guilty of taking a phone call at the wheel.  Well with this hands free device, and non-slip mat you’ll lessen the chance of having an accident because your fumbling around with your phone in the car.  If you did happened to have an accident because of something like this, it would most definitely be consider your fault.  So you would see your insurance go up because of it.

So make sure you check out this cool product today!  I think it would make a great gift too!

 

Smoke Detectors, and Fire Safety. Is Your House Safe?

I’ve been going to some classes to keep up my Continuing Eduction for my license.  I had a great class the other day and leaned a lot of new stuff.  The class was on smoke and odor damage.  We watched a great video on the power of fire and I learned some stuff about smoke detectors that I wasn’t aware of so I wanted to share it.

Smoke Detectors, Good for 10 Years

This was something that I was not aware of.  By law, ALL smoke detectors are required to be replaced after 10 years of service.  This immediately struck home with me.  I started thinking about how old those battery operated smoke detectors really were.  I can’t even remember the last time I replaced them.  So I’m sure they are over 10 years old.  So in case your like me and had no clue about this, you need to make sure you change your smoke detectors at least every 10 years.

Like other electronic devices, smoke detectors will eventually fail.  Don’t wait for a fire to discover that any of your smoke detectors will not function properly!  If your smoke alarms are 10 years old or more it’s time to replace them with new ones.  There’s a label on the alarm with the date of manufacture.  If it doesn’t have a label, it’s already more than ten years old.  A good rule of thumb, If you don’t know how old they are, it’s best to install new ones!

Inter-Connected, Hard Wired, Smoke Detector System.

Not only did I learn that smoke detectors must be replaced every 10 years, I also leaned much more.  Did you know that homes should be equipped with an inter-connected smoke detector system?  Don’t worry, your not alone.  I didn’t know either.

In Michigan, the law requires homes to be equipped with an inter-connected, hard wired, smoke detector system.   With this type, any detector sensing smoke will activate all the alarms.

The law does allow homes built prior to November 1974 to have battery only detectors.  But, if you own a home built prior to November 1974, you may be forced to comply with the current law if alterations or repairs requiring a permit are made to your home.  The State’s goal is to have NO more stand alone, battery only, smoke detectors!

This type is just not as reliable in altering all occupants of a home.  So it’s probably time to upgrade!  Did you know that Nationally, close too 100% of all nighttime residential fire fatalities occur in homes WITHOUT a properly functioning smoke detector system?  It’s statistics like this that prompted Michigan to adopt the current law.   I personally didn’t even know about the law.  It appears I’m not alone either.  The law has received very little publicity and it’s not widely understood either. In Michigan, to get more information you can visit the Department of Licensing and Regulatory Affairs.  Just do a search for smoke detectors and you will also get some other great info that comes up!  Here’s the site - www.michigan.gov/deleg.

Other Interesting Info

Another thing that I learned was that you should vacuum your smoke detector regularly.  I had never heard of this.  Smoke detectors must be properly installed in correct locations, tested monthly, vacuumed regularly and their batteries replaced routinely.  We usually change our batteries twice per year when we change our clocks.  We get to “Spring” ahead an hour and then in October, we get to “fall” back an hour.  So that’s when we typically will change our batteries.   It’s a good habit to get into if your not currently changing your smoke detector batteries regularly.

A Smoke detector should be replaced if it fails ANY test, is questionable in any way, or has been in service for 10 yrs or more.  I can’t stress that enough.  Did you know that all homes are required to have smoke detectors?  It’s the law.  Even landlords are required to make sure there are working smoke detectors complying with current laws in each rental unit prior to a new occupant moving in.

Inter-connected detectors are the best, are required in the majority of homes, and should be in all homes.

Smoke Alarms and Fire Safety

When fire strikes you may have less than one minute to safely get out!

  • Having working smoke alarms in your home more than doubles your rate of survival if a fire occurs.
  • Home fire deaths have been cut in half since the early 1970′s when smoke alarms were first marketed.
  • Fires produce heat, smoke and toxic gases.
  • Smoke alarms warn occupants in the event of a fire.  They give you time to leave the building before your escape route is blocked by deadly smoke, heat or toxic gases.

Plan and practice a home fire escape route

This is something that I definitely need to address.  We have a meeting place away from the house, but it made me really think about it.  Will my kids know how to get out of the house?  Which way they should go?

  • Have two ways out of every room
  • Don’t open doors that are hot to the touch
  • Discuss the plan so each member of the family understands what to do in case of an emergency.
  • Choose a family meeting place outside the home where family members can meet to be sure everyone is safely out of the home
  • Practice, practice, practice!  Conduct drills frequently so actions become automatic behaviors.
  • Hold a family fire drill during the day, while everyone is awake and another one at night, while children are asleep.
  • Following your drill, make adjustments to your plan.
  • Consider purchasing a folding escape ladder as a secondary means of exit from upper floors.

When the Alarm Sounds

Be sure to leave the home right away!  Don’t forget young our physically impaired family members.  If a child typically sleeps through the alarm, they may need to be awakened by an adult.   Get out, and Stay out!.   Go to the family meeting place.  Have someone dial 9-1-1 from a neighbor’s home or cell phone.

Where to place my Detector and Maintenance

As a general guideline you should place a smoke detector on every level of your home.  You should have them inside each bedroom, in hallways outside of the bedroom, and the base of basement stairs, and in a furnace room if divided from the detector at the basement stairs.

Don’t forget to perform maintenance on your smoke detectors.  Once a month vacuum or blow out dust from the alarms and push the test button.  Change the batteries at least once per year.  As I mentioned, we like to do it twice per year when we change our clocks!  If you hear a chirping sound, that indicates that it’s time to change the batteries.  Also, NEVER paint smoke detectors!

I hope that you have found this information beneficial.  If you would like to suggest any future topics please feel free to leave a comment below.

Insurance and Taxes? Can I claim it?

File your 2011 Taxes Online For Free!

File your 2011 Taxes Online For Free!

It’s that time of year again,  Tax Season!  Everyone is getting all their stuff around, waiting on W2′s and 1099′s.  What about Insurance?  Can you claim your Insurance on your taxes?

Can I Claim My Insurance?

If you have a personal business, then yes you may be able to claim some of your car insurance on your taxes.  If the company owns the car and you use actual expenses, then yes.   Of course you’ll want to consult with your tax provider to be sure that your business would qualify.  There is a lot of red tape when it comes to that stuff.  Also if you have a home office you can take a prorated portion of your home insurance as a business expense.

So if you fall into either of those categories, you will want to ask your accountant if you can claim either your car or home insurance on your taxes this year.

What about your Vehicle Registration?

If you itemize your taxes then yes, you can claim your vehicle registration on your taxes.  I know I usually submit mine every year, but typically I don’t qualify to itemize my taxes.  If your someone who does quality, don’t forget to include your Vehicle Registration.  I’m not by any means a tax professional, I have someone else handle all that for me.    I did talk to a friend of mine who actually works for an Accounting place and she said that to qualify to itemize you have to have $14,800 this year in deductions.

Who Can I contact to get help with filing my taxes?

There are several places out there.  You can go to your local Accountant, or you can turn to the internet.  A lot of people turn to the internet and file their taxes online, just because it’s convenient and easy.  I have included a link below for you to check out.  It lists three different places that you can check out for assistance with filing your taxes.  H & R Block, Turbo Tax and Tax Act!

Choose any of these 3 Choices and file your taxes Online:

Free Federal Tax Filing with H&R BlockTurbo Tax - File 2011 Taxes Free Online

File your 2011 Taxes Online - Free Federal Efile!