Flooded Neighborhood


If you have a VA loan and your home was affected by a natural disaster, we encourage you to take the steps listed
below to ensure you receive the assistance you need.

Posted on September 27, 2017 at 4:19 am
Jared Ban | Posted in Jared's helpful TIPS, Uncategorized | Tagged , , , , , , , ,

Slip, Trip and Fall Prevention will Keep Older Adults Safe and Independent

Fall Prevention Awareness Day is Sept. 22


The National Council on Aging has designated Sept. 22 as Falls Prevention Awareness Day. Everyone can work together to help prevent fall-related injuries in older adults.

Find more information and resources here.

Leading Cause of Injury-related Death for Older Adults


Your parents have been living quite well in their own home for decades now. But if you’re thinking it might be time to step in and give their home a fall-prevention assessment, you’re right.

Today, Americans are living longer while staying active and healthy. But adults 65 and older are at risk for falls, which can signal the beginning of the end of that active life – and their independence. Injuries from falls can lead to limited activity, reduced mobility, loss of fitness and a fear of falling, all of which increase risk of additional injury.

Falls also are the leading cause of injury-related death for adults age 65 and older, according to Injury Facts 2017, the statistical report on unintentional injuries created by the National Safety Council. This is not surprising considering falls are among the most common causes of traumatic brain injury. More than 33,000 people died from falls in 2015, and the vast majority of them were over age 65.

According to the Centers for Disease Control and Prevention:

  • One in three older adults falls each year
  • About 2.5 million nonfatal falls were treated in emergency departments in 2013
  • Of those, 734,000 people were admitted to the hospital
  • That year, 25,500 older adults died from unintentional falls
  • More than 250,000 hip fractures are reported every year, and 95 percent of those are from falls


The Good News


Falls are preventable and aging, itself, does not cause falls.

Some of the underlying causes of older-adult falls, such as muscle weakness, medications that cause dizziness, improper footwear, impaired vision, slick floors, poor lighting, loose rugs, clutter and uneven surfaces, can be improved.

While falls can happen anywhere, they most often occur at home. What can you do to make your home or the home of someone you love safer?

  • Remove clutter, small furniture, pet gear, electrical cords, throw rugs and anything else that might cause someone to trip
  • Arrange or remove furniture so there is plenty of room for walking
  • Secure carpets to the floor
  • Wipe up spills immediately
  • Make sure outdoor areas are well lit and walkways are smooth and free from ice
  • Use non-slip adhesive strips on stairs
  • Use non-skid mats or appliques in the bath and shower
  • Install grab bars in the tub, shower and near the toilet
  • Install railings on both sides of stairs
  • Provide adequate lighting in every room and stairway
  • Place nightlights in kitchen, bath and hallways
  • Make often-used items more accessible, like food, clothing, etc., so an older person won’t be tempted to use a stool or ladder to get to them
  • If necessary, provide personal walking devices, such as a cane or walker, to aid in stability


Tai Chi, Anyone?


Harvard Medical School touts the value of exercise in preventing falls and even reversing some of the many conditions associated with aging. Tai Chi, in particular, earned a spot in a Harvard Health publication. The ancient Chinese mind-body practice improves balance and muscle tone, and could be “the perfect activity for the rest of your life,” according to the article. Even people in wheelchairs can do it. also conducted a six-month trial to determine the effect of Tai Chi on older adults. During the trial, inactive older adults who did Tai Chi three times a week decreased the risk of falls by 55 percentcompared to a control group.

In addition to regular exercise, older adults should ask a doctor if their medications may be causing dizziness, and make sure to have regular eye exams.


It’s Because You Love Them


The role reversal involved with taking care of an aging parent can be challenging; not every parent wants their child’s advice or help in making their home safe. But as we celebrate Older Americans Month in May, let them know how much you love and value them and want them to be safe. They might even discover life can be a lot easier with the proper precautions in place.

Posted on September 21, 2017 at 11:59 pm
Jared Ban | Posted in Jared's helpful TIPS, Uncategorized |

Head Up, Phone Down When Headed Back to School

Summertime offers a nice reprieve from the constant shuffling of papers, carpools and heavy backpacks of the school year. But once fall rolls around again, parents and kids have a lot to juggle.

As your children march out the door on that first day of school – and every day – there is really only one priority: Nothing is more important than making sure they get home safely.

A Little History

Back in 1995, children ages 5 to 9 were more at risk than any other age group under 19 for being struck by a vehicle while walking. The good news is, the death rate for kids of all ages in this category declined more than 50 percent in the last 20 years.

But there is much more work to be done. According to a study by, 61 children are hit by cars every day in the United States, most often during the hours before and after school, and peaking in September. And, there has been a noticeable demographic shift. It is now much more likely a teenager will be hit by a car than his younger counterpart.

Of the 484 pedestrians ages 19 and younger who died after being hit by a motor vehicle in 2013, 47 percent were age 15 to 19, according to Injury Facts 2015. We also know that 16,000 pedestrians 19 and younger were injured in 2013. That’s 44 per day.

The injury and death rates for teens has leveled off over the years, but it has not improved significantly.

They Send How Many Texts??

With this knowledge, the National Safety Council is focused on efforts to eliminatedistracted walking – specifically walking while texting. According to a study by The Nielsen Company, kids age 13 to 17 send more than 3,400 texts a month. That’sseven messages every hour they are awake.

The kids in this video seem to validate those texting statistics.

Before your children head out, remind them of these year-round safety tips:

  • Never walk while texting or talking on the phone
  • If texting, move out of the way of others and stop on the sidewalk
  • Never cross the street while using an electronic device
  • Do not walk with headphones on
  • Be aware of the surroundings
  • Always walk on the sidewalk if one is available; if a child must walk on the street, he or she should face oncoming traffic
  • Look left, right, then left again before crossing the street
  • Cross only at crosswalks


Not Only Kids Are Distracted


Drivers have a lot to pay attention to in school zones, too, and there is never an occasion that justifies using a phone while driving. One call or text can change everything.

A study conducted by the Centers for Disease Control revealed that the most common form of travel to school for students age 5 to 14 is the family car. That translates into a lot of cars in school zones at the same time. Eliminating all distractions is key to keeping children safe.

At the National Safety Council, we don’t believe in accidents. Please join us in doing everything you can to prevent senseless injuries and deaths.

Learn more about motorist safety around schools.

Posted on September 21, 2017 at 11:38 pm
Jared Ban | Posted in Jared's helpful TIPS, Uncategorized |