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4thJuly-Fireworks-Safety-fred-meyer-and-sons

Fireworks Safety

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Summer is synonymous with barbecues, parades and fireworks. The National Safety Council advises everyone to enjoy fireworks at public displays conducted by professionals, and not to use any fireworks at home. They may be legal but they are not safe.

Every year, thousands of people are injured badly enough to require medical treatment after fireworks-related incidents, with many of the injuries to children and young adults. While the majority of these incidents are due to amateurs attempting to use professional-grade, homemade or other illegal fireworks or explosives, less powerful devices like small firecrackers and sparklers can also cause significant injuries.

Fireworks Safety Tips

If consumer fireworks are legal to buy where you live and you choose to use them, be sure to follow the following safety tips:

  • Never allow young children to handle fireworks
  • Older children should use them only under close adult supervision
  • Never use fireworks while impaired by drugs or alcohol
  • Anyone using fireworks or standing nearby should wear protective eyewear
  • Never hold lighted fireworks in your hands
  • Never light them indoors
  • Only use them away from people, houses and flammable material
  • Never point or throw fireworks at another person
  • Only light one device at a time and maintain a safe distance after lighting
  • Never ignite devices in a container
  • Do not try to re-light or handle malfunctioning fireworks
  • Soak both spent and unused fireworks in water for a few hours before discarding
  • Keep a bucket of water nearby to fully extinguish fireworks that don’t go off or in case of fire
  • Never use illegal fireworks

Better yet, grab a blanket and a patch of lawn, kick back and let the experts handle the fireworks show.

Happy 4th of July!
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National Insurance Awareness Day

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Happy National Insurance Awareness Day!  June 28, 2025

This beginner’s guide to insurance terminology will teach you the must-haves to put in your dictionary, so celebrate along with us and make some sense of these words.  

For the precise definitions, please refer to your insurance policy.

Claim:  A demand by a person or business seeking to recover from an insurer for a loss that may be covered by an insurance policy.
Coverage:  The specific protection provided by a policy against the results of the hazards insured against.
Deductible:  A certain dollar amount beyond which insurance protection begins. The insured assumes the loss up to the deductible limit and the insurer pays the remainder, up to the policy limit.
Exclusions:  The section of the policy contract that specifies the losses not protected by the policy. Many of Foremost’s policies provide Comprehensive coverage – that means that any cause of loss that’s direct, sudden and accidental is covered, unless it is specifically excluded in the policy. This is broader coverage than a Named Peril contract, which provides coverage only for the causes of loss (perils) that are listed (named) in the policy.
Peril:  The specific event causing a loss, such as fire, windstorm or accidental death.
Policy:  The written contract effecting insurance, or the certificate thereof, by whatever named called, and including all clauses, riders, endorsements, and papers attached thereto and made a part thereof.
Premium:  A periodic payment by the insured to the insurance company in exchange for insurance coverage. Foremost offers a wide variety of discounts that can lower your premium, and we offer payment plans that can help you manage your premium payments in a way that works with your budget.
Replacement Cost:  The cost of replacing or repairing property using new materials of like kind and quality without deduction for depreciation.
Risk:  The hazard or chance of loss on any particular item of insurance. The term “risk” usually is used in a general way to designate the entire subject matter of insurance covered under a policy or upon which an application for insurance has been received. Risk is also sometimes used to designate a policyholder.
Quote:  The rate at which an insurance company indicates its willingness to assume certain liabilities or provide coverage under an insurance policy. A quote is an approximation of the premium for a given policy.
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Boating in the Rain

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Boating in the rain or in bad weather can be frustrating, but you don’t have to let it ruin your plans. Just follow these simple tips.

1. Monitor the marine weather forecasts.

Just as you check your favorite TV or online forecast before heading out the door for work, you should monitor professional marine forecasts. Make a point of doing so the night before your planned cruise. Do the same while out on the water, too, since things can change rapidly. If your boat doesn’t have a weather radio, you can buy a small, inexpensive one.

Another excellent resource is the National Weather Service’s dedicated marine-weather page.

2. Boating in the rain is okay.

If it’s only raining, meaning no thunderstorms or strong winds are predicted, you can still boat. In fact, if you’re like those of us who didn’t hesitate to go swimming when it rained when we were kids, half the fun is getting wet. But, if dark, threatening clouds start to build or roll in, head for home. The same is true for lightning.

3. Cloud cover is also okay.

Again, as long as thunderstorms aren’t in the forecast and dark skies aren’t approaching, clouds are no issue. Fishing fans, especially take note: some fish feed in low-light conditions, so you may have a better-than-expected day on the water.

4. Pack for the possibilities.

If you have a cabin aboard your boat, consider keeping a rain jacket or sweatshirt in it, for unexpected weather changes. Have extras on hand for occasional guests and family members as well. Better to have them at the ready if needed rather than everyone feel cold and want to go home.

5. When in doubt, wait it out.

If you’re not comfortable with the weather predictions, don’t try talking yourself into heading out. Better safe than sorry.

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How to Teach Your Dog to Swim

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Teaching a dog to swim involves a gradual and positive approach. Below are some steps to help you introduce your dog to swimming:

  • Start in a shallow, calm area such as a pool with a gradual entry or a calm lake or pond. Avoid areas with strong currents or rough waves, like the ocean.

  • Begin by letting your dog explore the water at their own pace. You can use treats, toys, or praise to encourage them to approach the water’s edge and dip their paws.

  • For dogs who are hesitant or new to swimming, use a gradual entry. Walk with your dog into the water, keeping it shallow at first.

    • Stay close to provide support and reassurance. Consider using a leash for dogs that are excitable or easily frightened.

  • As your dog becomes more comfortable, gently support their body by placing your hands under their belly or using a buoyancy aid such as a life jacket. This provides them with additional support and confidence in the water.

  • Use positive reinforcement techniques such as treats, praise, and encouragement to reward your dog for their progress and efforts. This will help associate swimming with a positive experience.

  • Once your dog gains confidence in shallow water, gradually increase the depth. Always monitor their comfort level and offer support as needed.

  • Use your hands or a toy to encourage your dog to paddle their legs and move through the water. Offer praise and rewards for their efforts.

  • Always supervise your dog while they are swimming. Be aware of their energy levels, monitor for signs of fatigue, and provide rest breaks as needed.

    • Ensure that the swimming area is safe, free from hazards, and easily accessible for your dog to exit the water.

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Why February has only 28 days

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With 28 days, February is the shortest month of the year, but why is this?

If you want a super-quick answer to this, then – perhaps surprisingly – the fact that February has 28 days is based on nothing more scientific than Roman superstition.

But you’d probably like a little more explanation than that, so let’s dive in…

Now that pretty much the entire world uses the Gregorian calendar, we tend to think of its division of the year into months as being somehow carved in stone, but that is far from the case.

Before there was the Gregorian calendar, there was the Julian calendar – still used in Turkey until as recently as 1927 – and before that there was the Roman calendar.  The latter originally divided the year from March to December into 10 months of either 29 or 31 days, based on lunar cycles, with the early part of the year simply left unnamed.

No crops could be planted or harvested during this time, so it wasn’t considered important.  Later, the Roman king Numa Pompilius added two ‘new’ months, January and February, to ensure that the calendar covered the full year.  The reason there were always 29 or 31 days, never 30, was simply that the Romans considered even numbers unlucky.

Unfortunately, 12 times (any odd number) is always an even number. To make the number of days on the calendar add up to 365 in a year, there would have to be one month with an even number. February was chosen to have 28 days as this was when the Romans honored their dead.

Presumably they figured you don’t get much unluckier than being dead, so what harm could it do?  Later, Julius Caesar rearranged the calendar to reflect the ‘movements’ of the Sun rather than the lunar cycle, while his Julian calendar would itself be fine-tuned on the orders of Pope Gregory XIII in 1583 to give us the Gregorian calendar we know today.

But somehow, little old February with its unique 28-day length survived all these changes. Except in leap years, of course, when it becomes the lucky recipient of a whole extra day.

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Doggy Date Night

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Spending time with your dog lifts the spirits of both owner and pooch alike. Not only that, petting your furry buddy for just 10 minutes a day curbs your stress and improves your well-being. That’s according to a recent study published in American Educational Research Association Open.

Who’s always there when you come home after a tough day with a smile and maybe a chewed-up shoe? National Doggy Date Night on February 3 means it’s time to give back some of that unconditional love. So mark your calendar and start gathering your best doggy date night ideas to get tails wagging.

Stay-at-Home Date Ideas for You and Your Pup

If the weather’s bad or you’re just in the mood for an at-home doggy date night, no problem. With a little effort, you can put together a memorable evening that doesn’t require stepping a foot — or a paw — outside. Consider the following ideas:

Movie Night with Spot

Grab a cozy blanket, pop some popcorn for yourself, get a rawhide chew for your pooch, and cuddle up together in front of a favorite film. The two of you may want to unwind with a dog-related comedy like “The Secret Life of Pets” (2016) or “Marley & Me” (2008). If you’d prefer a film that tugs at the heartstrings, choose something like “A Dog’s Journey” (2019) or a true canine classic like the original “Benji” (1974).

Pet-Friendly Mani-Pedi

Do you and your pet need some pampering? How about giving yourself and your canine buddy a mani-pedi? Buy some pet-friendly nail polish and get creative. Mix and match colors, and maybe throw in a paw massage. (Just make sure to only use nail polish and nail polish remover made especially for pets. Nail products made for people aren’t safe for dogs.)

Yoga, Canine Style

It’s time to learn downward-facing dog from a true expert. Roll out your yoga mat, exhale a nice long Om, and give “dogaExternal link:” a try. You can try holding your smaller dog in standing poses for strength-building benefits, or practice stretching poses alongside your larger dog. Some yoga studios even offer doga classes, if you need guidance. You can also find videos and articles across the internet that offer tips for getting the most out of a doga session.

Game Night à la Pup

Arranging a game night with your pup can get the blood and laughs flowing. Try blowing bubbles for your dog to chase or playing a game of tug-of-sock. Another option: Create an agility course for your dog using objects like a hula hoop, broom, and soccer cones and test out your training skills. Don’t forget a hefty supply of treats to encourage your dog along the way!

Bubble Bath and Toys

A bubble bath full of toys and a soggy doggy can make for the perfect doggy date night. If your pup doesn’t mind getting wet — and neither do you — draw a warm bath, pour in some dog-friendly bubble bath that won’t dry out their skin, and put your massaging hands to work. While you’re at it, throw in some squeak toys. When it’s time to drain the tub, have a big towel nearby and a good dog brush to comb out the tangles.

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How often should I rotate my tires

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What is a tire rotation?

First things first, what’s a tire rotation? Simply put, a tire rotation is when you move your tires from their current position to different spots on the vehicle.

While it may sound simple, tire rotations provide massive benefits.

This routine tire maintenance helps your tires perform at their absolute best and even helps extend their tread life. In fact, regular tire rotations can help prevent your tires from developing uneven or irregular wear, tire noise and ride disturbances. Plus, not performing regular tire rotations can void your tire’s manufacturer warranty.

Far and away one of the questions we hear most often is “When should I rotate my tires?” The answer is pretty straightforward.

We recommend rotating your tires every 6-8,000 miles, or every other oil change. If your tires develop irregular or uneven wear, you may want to rotate them sooner.

Regular visual inspections can help you catch this. And if you swing by your nearest store for a monthly tire air pressure check, we can inspect them for you, just to make sure your tires are in tip-top shape.

Your next question is probably, “Why do tires develop uneven or irregular wear?” A lot of factors can cause this, including:

  • Improper air pressure

  • Suspension issues

  • Vehicle alignment

  • Rotation intervals

  • Wheel/tire imbalance.

If your tires are showing signs of uneven wear, your best bet is to get them inspected and have them rotated ASAP.

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Homemade Hot Chocolate

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Hot Chocolate Ingredients

  • 1/2 cup of sugar
  • 1/4 cup of cocoa powder
  • 4 cups of milk
  • 1 teaspoon of vanilla extract

Directions

Add 1/2 cup of sugar, 1/4 cup of cocoa powder, and 4 cups of milk to a pot.

Turn the burner onto medium heat. Stir frequently while the milk is heating up. Do not boil it.

Once it has reached the temperature you prefer, remove it from the heat and add 1 teaspoon of vanilla extract.

Then, serve and enjoy!

Hot chocolate is delicious in and of itself, but you can make it a little extra special by adding:
  • Mini marshmellows
  • A dash of nutmeg or cinnamon
  • A candycane
  • Whipped cream
  • Chocolate shavings
Fire Safety and Candles 2024

Fire Safety and Candles

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How to Burn a Candle Safely

Before Lighting:

  • Before burning, always trim the wick to ¼ inch. You can use a wick trimmer, nail clippers, or scissors. Long or crooked wicks can cause uneven burning, dripping or flaring.
  • Keep the wax pool clear of wick trimmings, matches and debris at all times.
  • Always use a candleholder specifically designed for candle use. It should be heat resistant, sturdy, and large enough to contain any drips or melted wax.

 Burn candles in a well-ventilated room:

  •  Avoid drafts, vents or air currents. This will help prevent rapid or uneven burning, sooting, and excessive dripping.
  • Follow the manufacturer’s recommendations on burn time and proper use. In general, it is recommended that candles do not burn for longer than four hours and cool for at least two hours before relighting.
  • When lighting a candle, use long matches or a long-reach lighter. Keep your hair and loose clothing away from the flame.

While Burning:

  • Never leave a candle unattended.
  • Never burn a candle on or near anything that can catch fire. Keep burning candles away from furniture, drapes, bedding, carpets, books, paper, flammable decorations, etc.
  • Keep candles out of the reach of children and pets. Do not place lighted candles where they can be knocked over by children, pets or anyone else.
  • Never touch or move a candle while it is burning or while the wax is liquefied.
  • Don’t burn a candle all the way down. For a margin of safety, discontinue burning a candle when 1/2 inch remains in the container or 2 inches if using a pillar candle.
  • Place burning candles at least three inches apart from one another. This is to make sure they don’t melt one another, or create their own drafts that will cause the candles to burn improperly.
  • Extinguish a candle if the flame becomes too high or flickers repeatedly. Let the candle cool, trim the wick, and check for unwanted drafts before re-lighting.
  • Never use a candle as a night light or while you may fall asleep.
  • Be very careful if using candles during a power outage. Flashlights and other battery-powered lights are safer sources of light during a power failure. Never use a candle during a power outage to look for things in a closet, or when fueling equipment – such as a lantern or kerosene heater.

When Extinguishing a Candle: 

  • Use a candle snuffer to extinguish a candle. It’s the safest way to prevent hot wax from splattering.
  • Never use water to extinguish a candle. Water can cause the hot wax to splatter and might break a glass container.
  • Make sure the candle is completely out and the wick ember is no longer glowing before leaving the room.
  • Don’t touch or move the candle until it has completely cooled.
  • Never use a knife or sharp object to remove wax drippings from a glass holder. It might scratch, weaken, or cause the glass to break upon subsequent use.

National Fire Protection Association

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How to Carve a Jack-o-lantern

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To carve a Jack-o-Lantern you will need the following materials:

1 Pumpkin – 1 Medium Serving Spoon – 1 Medium Knife – 1 Small Knife – Newspaper – Medium bowl – 1 Dry Erase Marker – 1 Candle – 1 lighter

Step 1: Preparing for Carving

Cover your working surface with the newspaper.

Step 2: Cutting Out the Stem 

Cut a hole around the stem at about a 45 degree angle towards the center of the pumpkin big enough for your hand to fit through.

Step 3: Scooping Out the Pumpkin

Using the medium serving spoon, scoop out the seeds and pulp (the orange stringy material inside the pumpkin) and put it in the bowl.

Step 4: Sketching the Face

On roundest or best looking side, Sketch the desired face or design of your Jack-o-lantern.

Step 5: Carving the Pumpkin

Using the small knife, cut at a perpendicular angle along chosen design. Remove loose pieces of the pumpkin and discard them in to the medium bowl.

Step 6: Lighting the Pumpkin

Light the candle with the lighter and place inside the Jack-o-lantern. Put the stem back on.

Step 7: Displaying the Jack-o-lantern

Place the pumpkin where desired.

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