H1N1 Clinic Updates 10/28/09
Check out my blog for ALL Northern Utah area H1N1 Clinics
Check out my blog for ALL Northern Utah area H1N1 Clinics
Salt Lake County Situation
Updated 10/26/09 (10:00 a.m.)
All SLVHD clinics are currently out of H1N1 and seasonal flu vaccine.
Today October 28, 2009
There will be no H1N1 vaccination clinics in the Logan or Brigham offices of the Bear River Health Department this week. We anticipate more vaccine in the coming weeks. (updated 10-28-09)
Logan Office - Temporarily out of H1N1vaccine
Brigham Office- Temporarily out of H1N1 vaccine
H1N1 Vaccine Available
Davis Conference CenterFLU: WHAT YOU NEED TO KNOW
NEW TODAY October 28, 2009
Due to limited vaccine supply, Weber-Morgan Health Department is now taking appointments for those in the at-risk target groups on a weekly basis.
To make an appointment, call between the hours of 9 a.m. and 10 a.m. at 801-399-7251.
The number of weekly appointments is based on vaccine availability.
Callers may also check with their health care providers.
- pregnant women (not nasal mist).
- caregivers of infants under 6 months.
- healthy people age 6 months to 24 years.
- healthcare and emergency response workers.
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But the next time you do make a call in traffic, consider this: You may be jeopardizing your safety and the safety of those around you.
According to the Insurance Information Institute, research shows that while using a cell phone when driving may not be the most dangerous distraction (compared to eating, drinking, talking to passengers, adjusting the radio, applying make-up and reading), because it is so prevalent, it is by far the most common cause of crashes and near crashes.
University of Utah psychologists have taken it a step further. They published a study showing that drivers who talk on handheld or hands-free cell phones are as impaired as drunken drivers!
Experts believe that using a cell phone requires not only the hands, eyes and ears, but also plenty of mental attention, which is a great contributor to accidents. And there are more distractions to come, with new vehicles coming out with web access, inertial navigation systems, heads-up displays and more.
As many as 40 countries restrict or prohibit the use of cell phones while driving. In the U.S., Washington State, New York, New Jersey, the District of Columbia, Connecticut and California have outlawed speaking on a hand-held cell phone while driving.
Text messaging or “texting” by teens is another major concern. Nationwide Insurance found that 19 percent of motorists say they text message while driving. In fact, Washington became the first state to ban texting with a cell phone while driving, imposing a fine for DWT (driving while texting).
There’s no doubt about it, cell phones have become part of all of our lives, and despite all the controversy, they are one of the best safety tools a driver can have in case of an emergency.
In fact, every day more than 200,000 calls are made from wireless devices to 911 or other emergency services.
We can help each other be safer on the road by following these tips from the Cellular Telecommunications Industry Association:
Ø Know your phone and its features.
Ø Place it within easy reach.
Ø Stop your car before placing your call.
Ø Let the person you’re talking to know you’re driving. End your call if you’re in heavy traffic or hazardous weather.
Ø Don’t take notes or look up phone numbers while driving.
Ø Use a hands-free device.
Ø Don’t get involved in an emotional conversation that diverts your attention from the road.
Ø Dial 911 to report serious emergencies.
Ø Use your phone to help others in emergency.
Ø Call roadside assistance or a special non-emergency cell number when necessary.
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It can happen in any season, including winter. And its effects are potentially deadly. In 2007 alone, there were 47 reported lightning fatalities in the United States. Forty percent of those deaths were in open areas, 28 percent occurred under trees, 11 percent on a ball field and 4 percent on a boat.
According to the National Weather Service, the chance of getting struck by lightning in a year is only about 280,000-to-1. But that doesn't mean you shouldn't take precautions with the first inkling of an approaching storm.
Lightning also causes property damage. The Insurance Information Institute says there were 256,000 lightning claims in 2007, causing about $882 million in insured losses.
Here are some specific things you can do to protect yourself and your property from the devastating effects of lightning.
If you are outside:
1. Seek cover in a car, protected building, or find the lowest elevation spot in your surrounding area. Lightning usually strikes the highest point of the local area. If there is no shelter, stay away from tall objects. You’re safer crouching down in an open field than you are under a tree.
2. If you are in the water, get out immediately! If you are boating, get to shore. If that’s impossible, go inside the cabin or lie on the bottom of the boat, and don’t touch metal objects.
3. If you’re golfing or fishing, drop any metal clubs and rods. Do not stand in a small, isolated shed or other structure in an open area. Move away from a motorcycle, scooter, golf cart, or bicycle. Stay clear of wire fences, clotheslines, metal rails, or pipes.
4. If you feel your hair standing on end or your skin tingling, lightning may be about to hit you. Drop to your knees and make yourself into the smallest target possible.
5. Don’t assume you are safe if a thunderstorm appears to be far away. Lightning can bolt out of the edge of a storm and strike victims even if it isn’t raining yet. In fact, lightning has been known to strike from as far as 20 miles away!
If you are inside:
1. Do not use the telephone during a storm. Also, shut off electrical appliances such as TVs and stereos. Electric current cannot only surge through electrical outlets, but through cable TV and stereo wires.
2. Shut down your computer, but don’t stop there. Most lightning strike damage to computers doesn’t come through the electrical wires, but through the phone lines. And most surge equipment is helpless against it. If your computer has a modem, unplug the phone connection from your computer.
3. Stay away from open doors and windows. Also, stay away from stoves, metal pipes, and sinks. And since water conducts electricity, never take a bath or shower during a storm.
Because they have become more prevalent in todays real estate market many people wonder what a Short Sale is in comparison of a Foreclosure. Here is the definition of a Short Sale...
A short sale is a sale of real estate in which the proceeds from the sale fall short of the balance owed on a loan secured by the property sold. In a short sale, the bank or mortgage lender agrees to discount a loan balance due to an economic or financial hardship on the part of the mortgagor. This negotiation is all done through communication with a bank's loss mitigation or workout department. The home owner/debtor sells the mortgaged property for less than the outstanding balance of the loan, and turns over the proceeds of the sale to the lender, sometimes (but not always) in full satisfaction of the debt. In such instances, the lender would have the right to approve or disapprove of a proposed sale.
A short sale typically is executed to prevent a home foreclosure, but the decision to proceed with a short sale is predicated on the most economic way for the bank to recover the amount owed on the property.Because the market is so saturated with Short Sales, don't expect them to be short in length of approval. Many Short Sales are taking as many as 6 - 9 months for completion.
With Low interest rates, a high supply of homes –old and new- and a strong statewide economy, families can take advantage of the “Buyer’s market” Morgan County is experiencing right now.
Homebuilders with completed, available homes are offering incentives unheard of a year ago when the market was hot. Homebuilders are willing to negotiate more than in years past to sell an existing home. Most homebuilders can’t carry an abundant of inventory of homes without suffering the economic consequences. The buyer who understands there is room to negotiate is in control of the home – buying process.
2. HOME PRICES ARE RELATIVE.
Even if you already own a home and worry you’ll get less for your home than you would have 12 months ago, don’t forget that you will save at least that much on your next home. Your existing home value may have decreased, buy in today’s buyer’s market, higher-end homes are also dropping in price.
For example, let’s say you are interested in purchasing a $500,000 move-up home that has dropped 10 percent in value and now sells at $450,000. Let’s say you can sell your existing home for $270,000 (even though it’s worth $300,000). Your “move up” to the $450,000 home will cost you $180,000. On the other hand, if you wait until your home rises back to $300,000, your move-up home will now be priced at $500,000 or more. That’s at least a $200,000 price difference between the two homes.
So by selling and buying in today’s market, you would save $20,000 in this realistic example.
3. UTAH’S ECONOMY IS STRONG.
The housing problems prevalent in other areas of the country are driven, in part, by a slowing economy. In contrast, Utah has one of the strongest economies in the country and employers are searching out of state for employees, according to Jason Eldridge, executive vice president of sales for New Reach, which provides research data to real estate professionals. Out-of-state employees often demand higher salaries, which allows them to afford more home.
In fact, a Forbes article appearing on the USA Today Web site (“Best cities for bargain housing: Salt Lake City, Raleigh”) From February 2008 names the Salt Lake City area as one of the best places to search for a home. This is because there is “healthy job growth and more houses available than people to buy them. This is not due to foreclosures or economic downturn, but to overbuilding which should balance out in time.”
4. BUYING A HOME IS A SOLID INVESTMENT.
Most people list their home as their most significant investment. Thanks to “leveraging,” purchasing a home is by far the best long-term investment. Leveraging means putting down a small amount of money to earn a big return. For example, let’s say you use $10,000 to purchase a new $250,000 home, and the house appreciates 5 percent in the first year. That means, after one year, the house is worth $262,500 – a gain of $12,500. Your annual return on your $10,000 investment would be a whopping 125 percent.
By contrast, if you put that same $10,000 in stock and it posted a 5 percent gain, you would net only $500 return. As a homeowner, your savings will continue to grow in other ways. First, every year a greater portion of your monthly payment goes to the principal, reducing the amount of your overall loan. Second, your home appreciates over time, making it one of your best financial investments. Third, mortgage interest can be tax deductible, which means you pay Uncle Sam less and keep more of your own money.
DID YOU KNOW..?
· 70% of Americans said interest rates were likely to affect their decision of whether to buy a home.
· 97% of first-time homebuyers would never go back to renting.
· Homeowners under 40 with incomes from $20,000 to $50,000 have 10 times the median net wealth of renters.
· The Homeownership Rate in the United States is 69% - the highest in the world.
· Nearly seven out of 10 call their home their most valuable investment.
· Interest rates near a 30-YEAR LOW enable homebuyers to stretch their investment dollars.
· Utah was named the SECOND BEST PLACE IN THE NATION to do business, and it is known as the most dynamic economy in the nation.
You -- or someone you know -- may have experienced a crime that’s growing throughout the country. The Federal Trade Commission (FTC) estimates that as many as 9 million Americans are victims of identity theft each year.
It starts with the misuse of your identifying information such as your name and Social Security number, credit card numbers, or other financial account information. It can end up costing you significant amounts of time and money, harming your good name and damaging your credit record.
Thieves can get your information in a number of ways, including:
§ Stealing…your wallet or purse.
§ Dumpster diving.
§ Phishing, or sending you e-mails pretending to be financial institutions seeking personal information.
§ Misusing change-of-address forms.
Once they get the information, they can run up charges on your credit card, open new accounts in your name, clone your ATM or debit card, use your Social Security number to get government benefits, file tax returns in your name, or many other devious activities.
While there is no foolproof way to avoid identity theft, you can minimize your chances of becoming a victim. The FTC sums up the steps you should take this way:
ü DETER identity thieves by safeguarding your information. Shred personal documents. Protect your Social Security number. Never give out personal information – on the phone, the internet or through e-mail – unless you know whom you’re talking to.
Use firewalls and anti-virus software on your computer and keep them up to date. Visit www.onguardonline.gov for information.