Have a Safe Halloween!

Halloween is a kid’s delight. It’s a blast to dress up in costumes, go trick-or-treating, attend parties and, most of all, eat candy.

At the same time, Halloween can be scary for parents. Costumes can be dangerous, too much candy can be sickening and walking around at night can be risky.

The Centers for Disease Control and Prevention offer these tips (in anagram form) to make sure your little ghouls and goblins have a safe Halloween:

S – Swords, knives and similar costume accessories should be short, soft and flexible.

A – Avoid trick-or-treating alone. Children should walk in groups or with a trusted adult.

F – Fasten reflective tape to costumes and bags to help drivers see trick-or-treaters.

E – Examine all treats for choking hazards and tampering before they’re eaten.

H – Hold a flashlight while trick-or-treating to help see and help others see you.

A – Always test make-up in a small area first. Remove it when done to avoid skin irritation.

L – Look both ways before crossing the street. Use established crosswalks wherever possible.

L – Lower the risk for serious eye injury by avoiding decorative contact lenses.

O – Only walk on sidewalks or on the far edge of the road facing traffic to stay safe.

W – Wear well-fitting masks, costumes and shoes to avoid blocked vision, trips and falls.

E – Eat only factory-wrapped candy. Avoid eating homemade treats unless you know the cook.

E – Enter homes only if you’re with a trusted adult.

N – Never walk near lit candles or other open flames. Be sure to wear flame-resistant costumes.

If you’re hosting a party or expecting trick-or-treaters:

• Provide healthy treats, such as individual packs of raisins, trail mix or pretzels. Offer fruits, vegetables and cheeses to party guests.

• Use party games and trick-or-treating as an opportunity for kids to get their daily dose of 60 minutes of physical activity.

• Be sure walking areas and stairs are well-lit and free of obstacles that could cause falls.

• Keep candle-lit jack-o-lanterns and other open flames away from doorsteps, walkways, landings and curtains. Place them on sturdy tables, keep them out of reach of pets and small children and never leave them unattended.

• Drive safely and watch out for trick-or-treaters.

Sounds Like a Good Idea

Noise is a concern for every resident and because you live in a community, it’s important to understand that some degree of noise is to be expected. At the same time, residents need to consider the consequences of their noisy behavior. To keep everyone happy and maintain civility among neighbors, it's best for all involved to take a few steps to reduce or eliminate annoying noise.

Be kind and respectful.

A little common courtesy makes a big difference. Keep your music and television at reasonable levels, do your vacuuming before bedtime, and before remodeling, check with the manager about acceptable hours and days of the week that work can be done. If you put in hardwood or tile flooring, use a sound-reducing underlayment. Move your noisy appliance away from walls and put sound-absorbing material underneath before your neighbors complain.

Keep a log.

If you’re disturbed by a noise problem, note the times and the nature of the noise. Ask the manager to listen and verify the noise as well. There may be a pattern in the noise that can be adjusted.

Visit your neighbor.

If your neighbor is the source of the noise, try a friendly chat. Sometimes people just don’t realize how noise is affecting others. People are usually considerate once they realize they’re disturbing others. And, if your neighbor knocks on your door, listen politely and be willing to made changes to reduce your own noise.

Contact the manager.

If a polite request doesn’t change your neighbor’s noisiness, it may be time to ask the manager for help.  Have your noise log ready, including attempts to solve the problem yourself.

Reducing noise sounds like a good idea. A quiet, peaceful community, relatively speaking, is a happy community.

Finding a Reputable Contractor

Finding a contractor who will perform quality work at a reasonable price can be a daunting task. It’s always a good idea to ask for and check references and to contact the Better Business Bureau and your state licensing bureau to see if there are complaints against a prospective contractor. In addition, the following warning signs can alert you to unscrupulous, disorganized, inexperienced or financially troubled contractors who may deliver broken promises, bad work and blown budgets rather than professional results.

First Impressions

In any business, first impressions are important. How a contractor presents himself and maintains his truck, tools and equipment are good indicators of how well he’ll take care of you and your job. He should look neat and professional, and his vehicles and equipment should be clean and in good repair.

Beware Low Bids

Price is always an important consideration when selecting a contractor, but don’t let a low price or a special deal blind you to a potential problem—both can be signs that you should be wary. A bid far lower than others may indicate the contractor isn’t experienced enough to know the actual cost of the job or he never intends to finish the work. Disreputable contractors may bid low to secure a contract and then tack on extra charges as the job progresses.

Take Your Time

If you are pressured during the bidding process by tactics such as “limited-time offers,” look for a different contractor. Hiring a contractor is not a split-second decision; for this reason, many states give homeowners three days to cancel a home improvement contract — without obligation — after signing it. A prospective contractor should take his time as well, carefully reviewing the specifications of your job before submitting his bid. If he doesn't take notes and measurements and make material and labor calculations, or if he simply names a price based on a similar job, he may not be detail-oriented or thorough enough to do a good job.

Beware Materials Discount

A prospective contractor may offer you a discount, hoping to earn your future business following a job well done, but be wary if a contractor offers materials at a discounted rate. Small contractors rarely buy materials in the high volumes necessary to yield big discounts, and unless they severely overestimated quantities for a previous job, they rarely stock large inventories of material. Discounted materials are usually seconds, ungraded or below-grade minimums for code, any of which would compromise the quality of your project.

Only 20% Up Front

While the price may be right, what about the terms of payment? In general, don’t choose a contractor who asks for more than 20 percent of the total cost of a job up front. While some projects require a large initial payment to cover a deposit for products like cabinets or special-order ceramic tile, it doesn’t apply to commodity materials like roofing and lumber, which a legitimate contractor will usually purchase on account with at least 30 days to pay.

Beware Cash-Only Jobs

Finally, a contractor who works on a cash-only basis raises a big red flag. Not only does paying in cash limit your financial recourse if problems arise, the contractor is likely not operating a legitimate business, which includes paying taxes and insurance. Look elsewhere for a professional to perform the work.

Chimney Safety

There’s nothing as serene as a warm, crackling fire on a cold, winter night. There’s also nothing more dangerous if your chimney is damaged.

Broken or cracked chimneys can let heat, smoke and toxic gasses, such as carbon monoxide, into your home. Your home could even catch fire. Chimney damage is often obvious, but sometimes it can be hidden. Use the following checklist, provided by Ready Virginia!, to help ensure that you can enjoy your fireplace and avoid problems—or even a disaster:

• Check to see if bricks have fallen or the chimney is leaning.
• Look for shiny areas on your exterior metal chimney pipe. This could mean the chimney has shifted—during the recent East Coast earthquake, for instance.
• Look for cracks at joints where the chimney connects to the firebox, at the roofline and in the attic.
• Check for debris that may have fallen into the fireplace.
• Use a screwdriver to check the mortar between the bricks or stones. If it crumbles when you pick at it, the chimney may be a hazard and probably needs work.
• When in doubt, consult a licensed engineer or contractor. For the name of an inspector, call your insurance or mortgage company.

Remember, disasters can happen even in the best of homes. That’s why every home should be equipped with carbon monoxide and smoke detectors. Here are a few tips:

• Install carbon monoxide and smoke detectors in sleeping areas and on every level of your home and away from air vents. Interconnected smoke alarms are best, because if one sounds, they all sound.
• Test smoke alarms monthly, and change alkaline batteries at least once a year. Use a familiar date, such as your birthday or when you change your clocks, as a reminder.
• Prepare and practice a fire escape route with everyone in your home, including children.

For more information, visit www.usfa.dhs.gov/smokealarms.

Flooding: How to Protect Your Family & Finances

In many areas, flooding is the most common and costly natural disaster—and it can happen here. Just one inch of water in your home or office can cost thousands of dollars in cleanup and replacement costs, including drywall, baseboards, floor coverings and furniture. You may think you’re covered, but many homeowners’ insurance policies do not cover flooding.

Here are several reasons to talk to an insurance agent now about flood insurance.

• There is usually a 30-day waiting period before coverage begins.
• Coverage is relatively inexpensive.
• Renters can buy flood insurance .for personal belongings or business inventory.
• Basement coverage includes cleanup expense and repair or replacement of items such as furnaces, water heaters, washers, dryers, air conditioners, freezers and pumps.
• You do not have to repay flood insurance benefits as you do with disaster-related assistance loans.
• You can receive payments for flood-related losses even if no disaster was declared.

Learn more about flood insurance at www.floodsmart.gov.

There are things you can do to prepare your home and family now for flash floods:

• Make a family emergency plan. Emergency preparedness is everyone’s responsibility. Write down your plan. Decide ahead of time where you will go if you have to leave and where family members will meet up. Identify an out-of-town emergency contact. 
• Get supplies for an emergency kit. Start with three days’ water and three days’ packaged and canned food. Add a battery-powered radio and extra batteries. Store in waterproof containers with wheels or that you can lift so you can take them with you. For details about preparing an emergency kit, visit www.ready.gov/america/beinformed/floods.html
• Stay informed about what could happen. During storm season, listen to local media for up-to-date reports on weather watches and warnings. Keep a battery-powered portable radio—with a NOAA weather band—handy in case the power goes out. Choose one.

Learn more about preparedness at www.ready.gov/america/beinformed/floods.html.

Maintain Your Yard Safely

Properly maintaining your yard helps your home and our community look good. Just make sure that safety is a priority when undertaking your landscaping efforts:

• Clear sticks and debris before you mow. Random debris kicked up by a lawn mower can seriously injure you and those around you. Also, mowing debris shortens the life of your mower and dulls the blade.
• Replace the cord on your weed trimmer. Your trimming will be safer if you have strong trimmer cords. Always wear eye protection when using a trimmer. 
• Maintain your lawnmower in top working condition. If you find yourself mowing the same areas again and again, it’s time to inspect your lawnmower. Keep a maintenance checklist of important components like air filters, blades and oil.
• Keep plants and shrubs about five feet from foundation walls, and keep trees at least six to 20 feet away, depending on their size. Plant roots that are too close to the foundation not only cause damage to the structure, but may also attract bugs and mold into your home since they tend to hold moisture.

How to Make Sure You Are Heard at Membership Meetings

All association members have a right to be heard at membership meetings by presenting, seconding, debating and voting on a motion. A motion is a proposal that our membership take action or a position on a specific topic or issue.

To make a motion, wait until the previous person has finished speaking, then stand and address the chair by stating your name. "Mr. Chairman (or Madame President), my name is…." When the chair recognizes or acknowledges you, state your motion clearly and concisely. "I move that our community … ."

Once you have stated your motion, another member should second it so that debate and discussion on the issue can commence. If no one seconds it, your motion will not be considered. Once it is seconded, the chair will announce the motion so it can either be discussed or voted on.

If the topic is one that will be discussed or debated before voting occurs, then, as the person who introduced the motion, you are allowed to speak first. Direct your comments to the chair and briefly explain the motion. You and other speakers participating in the discussion should respect any predetermined time limit for comments. You may also be the last to speak on the matter.

Voting on the motion can take place when the discussion or debate is completed and the chair asks, "Are you ready for the question?" Members can vote by a show of hands, roll call or ballot. General consent, which assumes consensus that there's no opposition to the motion, is another method of voting. The chair announces, "If there is no objection …," and members show their consent by their silence. Those who oppose the motion should speak out politely but audibly, "I object."

Then the chair announces the results of the vote.