Tornado Preparedness Safety Tips

Tornado Preparedness Safety Tips

Tornadoes are among the most violent, yet also one of the most common, weather events in the United States. They are like giant vacuum cleaners in the sky, sucking up everything in their path, including people, cars, houses, trees, and anything else that happens to be in their way. They can be very small or very large, but they can also be very weak or extremely powerful. Tornadoes typically form during the spring and summer months. They can occur at any time of day and can strike quickly and without warning. You need to be prepared to take quick action and know the best action to take.

Step 1: Know the difference between a tornado watch and a tornado warning

A tornado watch indicates that weather conditions are favorable for the formation of tornadoes over the next several hours, typically in the late afternoon. A tornado warning indicates that a tornado has actually been sighted in the area, or that radar signals indicate that a thunderstorm is producing a tornado. A tornado warning is usually issued shortly after a tornado has touched down.

Step 2: Know the signs of a tornado

Signs that a tornado may be approaching include the following:

  • Rotating funnel-shaped cloud
  • Approaching cloud of debris
  • Dark or green-colored sky
  • Large, dark, low-lying cloud
  • Large hail
  • Loud roar that sounds like a freight train

If you notice any of these signs take cover immediately and stay tuned to local radio and TV stations, a NOAA weather radio, or the internet.

Step 3: Create the emergency plan (according to CDC)

  • Identify a safe place in your home for household members and pets to gather during a tornado.
  • Sketch a floor plan of your home or walk through each room and discuss where and how to seek shelter.
    • Identify a second way to exit from each room or area. If you need special equipment, such as a rope ladder, mark where it is located.
    • Mark where your first-aid kit and fire extinguishers are located.
    • Mark where the utility switches or valves are located so they can be turned off (if time permits) during an emergency.
  • Make sure everyone understands the tornado warning system in your area.
  • Teach your family how to administer basic first aid, how to use a fire extinguisher, and how and when to turn off water, gas, and electricity in your home.
  • Create an emergency supply kit
  • Learn the emergency dismissal policy for your child’s school.
  • Make sure your children know
    • What a tornado is
    • What tornado watches and warnings are
    • What county or parish they live in (warnings are issued by county or parish)
    • How to take shelter, whether at home or at school

Step 4: Practice your plan with your family/household

– Better to practice and teach your family/household members to execute the emergency plan for them to know what will they be doing if the disaster or emergency comes.


Car Accident Checklist

Car Accident Checklist: What to do after a Car Accident

Car Accidents happen when you least expect them. By knowing what to do after one happens, you’ll help keep the driver and yourself safe. After a car accident, there are a few steps that are recommended to make sure that the victim of the accident is taken care of. Please see below for a few things to do after a car accident.

1. Remain calm. It helps you stay in control of the situation.

2. Ensure you and your passengers are OK. Look for any injuries, and then call for help. If someone is seriously injured, stay with them, but if they are able to walk, encourage them to do so.

3. Move as far away from the roadway as possible, but remain at the accident scene. If the car is not drivable it should be towed and put in a safe place. If there is a fire, get away from the vehicle and call for help.

4. Call the police and wait for them to arrive to report the accident.

5. Contact your insurance company and report the claim. The sooner your insurance company knows about the accident, the sooner they can begin to resolve your claim.

6. Exchange information with the other driver involved in the car accident. It is important to document everything that was damaged in case there is a dispute over who is at fault for the wreck.


Types of Life Insurance

Types of Life Insurance

Opting to buy life insurance, but can’t decide which type of Life Insurance you should get? Don’t worry, we are here to explain everything you need to know about the following types of life insurance:

Term Life Insurance

Term life insurance covers a specified length of time, ranging between five to 30 years as long as monthly premiums are paid. Coverage amounts vary depending on the policy.

Pros: It’s the most affordable way to buy life insurance

Cons: If you outlive your policy, you will need to buy more if you want to continue to have life insurance.

Whole Life Insurance

A form of permanent insurance that pays out benefits upon death regardless of the plan holder’s age. The regular premium payments can be accrued into a fund, which pays out cash dividends that can be used while you are still alive.

Pros: It covers you for your entire life and builds cash value.

Cons: It’s typically more expensive than term life or other permanent policies.

Variable Life Insurance

This is a combination of life insurance and investment, giving plan holders various investment options depending on their preference. The term “variable” refers to the possible change in investment values, making premium payments more flexible.

Pros: There is potential for considerable gains if your investment choices do well. You can take partial withdrawals from the cash value or borrow against it, sometimes tax-free!

Cons: It requires you to be hands-on in managing your policy as the cash value can change daily based on the market. Fees and administrative charges are deducted from your payment before going toward the cash value, it is a riskier choice.

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