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Newport Life Best of
In This Issue
Have A Blast... But Enjoy Fireworks Safely
Featured Client: Lionel Champlin Guesthouse
Refreshing Pool Safety Tips
Travel Insurance
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FARMER'S ALMANAC FORECAST: 
July 2013
Farmer's Almanac 2013
Temp 78 degrees (2 degrees above avg.); precipitation 3" (1" below avg.). 1-7 T-storms, then sunny, seasonable. 8-12 Scattered t-storms, hot. 13-24 T-storms, then sunny, cooler. 25-31 Scattered t-storms, hot and humid. 
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SKYWATCH: JUNE  
July 2013 Skywatch
Use binoculars to see Venus, just 10 degrees above the horizon in front of the beehive star cluster of Cancer, as twilight fades just before fireworks begin on the 4th. The moon is new on the 8th and full on the 22nd. 
Issue: # 40           
July 2013    
Have A Blast... But
Fireworks Safety
Enjoy Home Fireworks Safely

 

Fireworks are an American tradition. Now that "home" fireworks are legal and readily available in Rhode Island more folks are taking the do-it-yourself route to holding pyrotechnic displays in their own back yards. That said, fireworks are EXPLOSIVES and as such must be handled with care and caution at all times. Below are 20 common sense safety tips to follow that will keep everyone safe this summer.

  1. Children Should NOT Handle Fireworks 
  2. Do Not Use Alcohol with Fireworks 
  3. Follow Laws, Use Common Sense
  4. Use Fireworks on a Hard Surface
  5. Use Fireworks in a Clear, Open Area
  6. Keep Clear of the Fireworks
  7. Use Care in Lighting the Fireworks
  8. Light Only One at a Time
  9. Do Not Use Malfunctioning or "Dud" Items
  10. Have Water Close By
  11. Be Aware of Wind Conditions
  12. Use Care in Handling Fireworks
  13. Never Use Fireworks as Weapons
  14. Properly Store Fireworks
  15. Only Use Fireworks Outdoors, Never Indoors
  16. Observe Special "Re-loadable" Rules
  17. Only Purchase Fireworks from Licensed Dealers
  18. Protect Your Eyes
  19. Use Caution Around Animals
  20. Do Not Transport Fireworks  

Visit our Resources page to download this complete article with  expanded details on all of the guidelines listed above... 

 

*Guideline content courtesy National Council on Fireworks Safety     

Our Featured Client for July
The Lionel Champlin Guesthouse The Lionel Champlin Guesthouse is a registered, historic Victorian home in Jamestown, RI. Formerly known as "Vinecroft," this beautiful 3-story guest house served as a Victorian tea room in the 1920s, and has hosted many summer visitors to Jamestown since the turn of the century. Owners, Rusty and Lisa Sallee lovingly care for this historic property, offering beautifully appointed rooms for visitors to Jamestown. Guests of LCGH enjoy a beautiful and convenient place to stay. With an in-town location, restaurants, shops and marina are just a few steps away. 
 

Learn more about The Lionel Champlin Guesthouse throughout the month by following our Facebook page.  

Refreshing Pool Safety Tips 

Pool Safety  

With the "dog days" of summer upon us, those with a backyard pool are often the object of neighborhood envy. But along with the enjoyment of your own oasis also comes the great responsibility for the safety of family, friends, pets and even passers-by. Whether you have a luxury in-ground pool, or plan to blow up an inflatable kiddie pool, it is important to consider the safety implications. We've put together a quick refresher course on Pool Safety and some common sense tips to help you relax and enjoy your pool in comfort and safety this season.

 

If You Are Planning to Purchase a Pool or Spa:

  • Contact your town or municipality: Each town has its own definition of what constitutes a "pool", often based on its size and the depth of the water. If the pool you are planning to buy meets the definition, then you must comply with local safety standards and building codes. This may include installing a fence of a certain size, locks, decks and pool safety equipment.
  • Call your insurance agent or company representative
    Let your insurance company know that you have a pool, since it will increase your liability risk. Pools are considered an "attractive nuisance" and it may be advisable to purchase additional liability insurance. Most homeowners' policies include a minimum of $100,000 worth of liability protection. Pool owners, however, may want to consider increasing the amount to at least $300,000 or $500,000. You may also want to talk to your agent about purchasing an umbrella liability policy. If the pool itself is expensive, you should also have enough insurance protection to replace it in the event it is destroyed by a storm or other disaster. And, don't forget to include the furniture around the pool deck.

If You Already Have a Pool or Spa:

  • Install a four-sided barrier such as a fence with self-closing gates to completely surround the pool. If the house forms the fourth side of the barrier, install alarms on doors leading to the area to prevent children from wandering into the pool or spa unsupervised. In addition to the fences or other barriers required by many towns, consider creating several layers of protection around the pool, set-up multiple barriers (door alarms, locks and safety covers) to the pool area when not in use.

  • Never leave small children unsupervised-even for a few seconds. And never leave toys or floats in the pool when not in use as they may prove to be a deadly temptation for toddlers trying to reach them who might then fall into the pool.

  • Keep children away from pool filters and other mechanical devices as the suction force may injure them or prevent them from surfacing. In case of an emergency, know how to shut off these devices and clearly post this information so others can do so too.

  • Ask if pool users know how to swim. Learners should be accompanied by a good swimmer. If you have children, have them take swimming lessons as early as possible. And, do not allow anyone to swim alone.

  • Check the pool area regularly for glass bottles, toys or other potential accident hazards. Also, keep CD players, radios and other electrical devices away from pools or nearby wet surfaces.

  • Limit alcohol use around the pool, as drinking alcoholic beverages negatively impacts balance, coordination and judgment-and its effects are further heightened by sun exposure and heat. The CDC reports that alcohol use is involved in up to half of adolescent and adult deaths associated with water recreation.

  • Clearly post emergency numbers on the phone, in the event of an accident. Keep a first aid kit, ring buoys and reaching poles near the pool. You may also want to consider learning basic water rescue skills, including first aid and CPR training. For additional information, contact the American Red Cross.

Call us at 401-846-9629 to discuss your homeowners and umbrella policy; we're always here to help!  

 

Visit our Resources page to download this article...

  

*some article content courtesy Insurance Information Institute

Travel Insurance
Summer Travel If you're traveling this season it would be wise to consider how your insurance coverage might be affected. A travel insurance policy provides excellent coverage for you and your trip, saving you money and hassle. Get a quote on several affordable travel insurance plans through D.F. Dwyer Insurance.
For Our Valued Commercial Clients...
Your Business is Our Business

Your Business

We value all of our clients, but we're always happy to promote the businesses of our commercial clients.We've added a new 'Featured Client' section to our website and e-newsletter, where each month, we'll showcase one of our commercial clients. If you're one of our valued commercial clients, email us a photo, a brief description of your business (150 words max.) and the link to your website and we'll contact you shortly about your submission.