Lightning and thunderstorms can put you, your family and property at risk

Learn how to use common sense tips to avoid tragedy

With the advent of summer, thunderstorms and lightning are sure to follow. Unstable weather in the St. Louis area has almost become commonplace this year and during the latest round of thunderstorms, lightning was suspected to start a hotel fire in O’Fallon, Illinois.

May is designated National Electrical Safety month by the National Fire Protection Association (NFPA) and gives us the opportunity to offer suggestions to keep you, your family and home safer this season. When a storm approaches…


• Unplug all appliances and electrical devices, including computers, and turn off the air conditioning. The fewer electrical connections active can mean less damage should your home be struck. And, you can avert harming your computer system.
• Don’t talk on a corded phone while a storm is in process. That small electrical current running through the phone line puts you in contact with a potential strike zone.
• During a storm is not the time to wash dishes, decided to take a shower or do laundry. Water is an excellent electrical conductor and again puts you and your family at risk.
• Stay away from windows and doors to avoid potential flying glass.
  

The NFPA estimates that lightning fires in the United States caused more than $213 million in direct property damage during the past seven years, more than half of that in residential homes. Since a single lightning bolt can register 50,000 degrees Fahrenheit, the likelihood of fire is high.

Don’t underestimate the power of lightning–the National Weather Service School For Weather notes that lightning kills more people each year in the United States than tornadoes or hurricanes. Only floods claim more lives. To learn more about how to keep you and your family safe from lightning, check out these tips and enjoy a more carefree summer.

Written by Myra Vandersall

Down payment assistance makes home ownership easier

Homebuyers can take advantage of a variety of tax credits to choose the perfect home.

An array of financial assistance for home purchase is available for qualified buyers in just about every income level. Of course there’s the $8,000 tax credit for first-time buyers and $6,500 for repeat buyers, which expire on June 30, but potential buyers can also look for help with the down payment.

Here’s a run down of what to expect:

The city of St. Charles– The HOME St. Charles Down Payment and Closing Costs Assistance Program helps low to moderate income purchasers to become homeowners. HOME St. Charles will make up to $10,000 available for qualified households to help with the down payment and closing costs. Down payment assistance for St. Louis County is $3,000 and Jefferson County $7,500.

Income levels apply and the sale price must be under $185,000. A mandatory nine-hour home buying seminar and a one-on-one counseling session to review finances and credit history is also required.

And there’s more. The Missouri Housing Development Commission is offering up to a $1,250 credit in property tax breaks for qualified buyers with an extra $500 thrown in if the house is energy efficient or if the buyer begins energy efficient steps within 60 days of closing. The MHDC offers more assistance, administering a number of housing programs, from purchasing a home with a First Place loan, assistance for veterans, buying property in a disaster area, foreclosed properties and home repair grants.

The federal government is also offering tax credits for energy efficient upgrades, up to $1,500 or 30 percent of the improvement cost, which includes windows and doors, insulation, roofs, air conditioners and furnaces. The tax credit is applied for either 2009 or 2010 taxes and expires on December 31, 2010.

With all of this assistance, plus a wide variety of properties to chose from, now is really the time to make that move!

Written by Myra Vandersall

Calendar of Events - January

Friday, January 1
21st Annual New Year’s Day KATY Trail Ride
11 a.m.
Defiance, MO
Sponsored by Trailnet. An enthusiastic group of bicyclists have started each New Year with a bike ride on the KATY Trail. Join them this year for the 21st Annual New Year’s Day KATY Trail Ride. The group will leave from the KATY Trailhead in Defiance at 11:00 am and ride to Augusta (7 miles). They will stop for lunch upon their return to Defiance, depending on restaurant availability. Please dress in layers and wear a helmet.

Sunday, January 3
St. Louis’ Best Bridal Show
St. Charles Convention Center
Noon-4 p.m.
The bridal fashion show features elegant and popular wedding dresses, gifts, appetizers, drinks, music and wedding planners.
$5
For more information, go to http://shows.stlouisbestbridal.com/ or call 314-744-5777

Saturday, January 9-Sunday, January 31
Eagle Days
Various locations
Events include live eagle programs, activities, exhibits, video, guides with spotting scopes and refreshments.
For details go to the Missouri Department of Conservation and download the Eagle Days brochure, or call 573/751-4115 ext. 3289

Saturday, January 9-10
Snowflake Making
The Magic House, Kirkwood, MO
Saturday, 10:00-5:00 Workshop
Sunday, 11:30-5:00 Workshop
Let it snow with artist Marion Nichols as she shares the unique art of cutting paper into intricate snowflakes. Join the blizzard of activity in the museum’s Expericenter to discover how to snip fantastic flakes of your own designs. A former preschool art teacher, Marion Nichols is renowned for transforming ordinary sheets of paper into delicate snowflake patterns, and is the author of several books on the subject.
Info at the Magic House or call 314-822-8900

Friday, January 15-Sunday, January 17
St. Charles Boat Show, Sale and Fisherman’s Expo
St. Charles Convention Center
Friday, 1-9 p.m.; Saturday, 10 a.m.-8 p.m.; Sunday, 10 a.m.-4 p.m.
Boat dealers showcase their new, non-current and pre-owned boats, plus all things fishing, including tackle, rods, reels, boating accessories. Family fun for young anglers, seminars and speakers, and boating safety by the U.S. Coast Guard Auxiliary.
Regular Admission - $6.00 / Ages 6-15 $3.00. 5 & Under Free
On Friday, seniors age 60 and above admitted for $3.50
Info at http://www.letsgoshows.com/

Saturday January 23
Winter Wildlife Tracking-Learn from the experts
St. Charles Park District
Pottawatomie Community Center, 8 North Ave.
9 a.m.-noon
You’ll never look at “bare” ground again after this tracking class taught by top experts in the field. Learn how to interpret tracks, tail patterns and scat to identify wildlife. Begin with an interactive indoor class with overview of local fauna and tracking techniques, the outdoors to practice what you’ve learned.
Ages 18 and over. To register, call 630-513-6200.
$10

Saturday, January 30
Fete De Glace (Festival of Ice)
100-200 block of North Main
Watch professional ice carvers bring the art to life in a competition using chain saws, power grinders, sanders, cold chisels, hand saws, and irons from 10am-3pm. This competition is judged and juried by the crowd. Coffee and hot chocolate will be available and nearby fire pits to warm up.
Free

January 31-February 28
The Big Read National Endowment for the Arts
The Big Read is designed to revitalize the role of reading in American public culture.
Foundry Art Centre, 520 N. Main Street
The book chosen for participation is The Adventures of Tom Sawyer by Mark Twain. The Foundry Art Centre and the St. Charles Community College Library sponsor the Big Read in St. Charles City/County and bring the community the power of literature.
For more info call 636-255-0270

Your holiday cheer doesen't have to go up in smoke

Careful preparations and common sense will make this season a fire-free, happy holiday for your family.

Keeping your family safe during the holidays is top priority so that all can enjoy the lights, the glitter and the sights of the season. Seasonal fires claim more than 400 lives, 1,650 injured and more than $990 million in property damage.

Here are some simple tips that don’t take much time but will make your family fun last.

• Make a plan. You should do this anyway, so sit down as a family and discuss who is in charge of what should you have to evacuate the house. Using a floor plan, identify two ways out of each room and agree on a place to meet once you have evacuated. The National Fire Protection Association has a great floor plan to download that you can customize for your home.
• Choose a tree. Choose a tree that is fresh and green. Branches should be hard to pull back and the needles will not shed. Test for a sticky trunk and always have the tree lot person make a fresh cut at the bottom of the trunk. Trees are very thirsty.
• Water your tree. A tree will absorb as much as a gallon of water or more in the 24 hours after it is cut, and one or more quarts every day after. Maintaining a steady water level prevents the needles from drying out and dropping off and the boughs from drooping. Water will also keep the tree fragrant. Do not allow the water pan to empty or go below the tree base.
• Let there be lights. Part of the Christmas tradition is all glitter and lights. Don’t try to skimp by with old, frayed light strings or broken sockets. Should these catch on fire, you’ll be spending more than you could ever believe. LED lights are in now and use 90% less electricity than regular Christmas lights, reducing your impact on the environment. Up front, these lights are more expensive but over a period of years, they more than pay for themselves.
• Plug ‘em in. Overloading a wall outlet is not a good idea. Purchase some surge protectors and plug your strands of lights in there first, and the surge protector into the wall. Turn the lights off when you retire for the night.
• Candle light. The glow of candle light makes the holiday warm, but candles should be attended at all times and not left burning if you leave the house. Fireplaces are the same, and refrain from burning wrapping paper in the fireplace. Sparks could ignite and fly on to flammable materials.
• DO have a wonderful holiday season. With just a few precautions, your family will be safe, happy and warm.

Written by Myra Vandersall