21st Century Dad
One Dad's Thoughts, Ideas, and Feelings.
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Apartment Safety In The City

December 7th, 2011 . by 21st Century Dad

Today’s guest post is by Nisha Sharma. Nisha is an editor at FireSafetyStore.co.uk. She is a mother of one who loves to write, especially about parenting advice, baby products and family advice, because it’s always good to hear the point of view from someone with experience. 

lock and key

Photo by DeWitt Clinton

Apartments differ from family homes because in apartment buildings you share essential spaces with the other tenants in the building. You do not have complete control over your surroundings in an apartment. On the plus side, you do not bear sole responsibility for the entire premises. In a city apartment building, many people have an interest in keeping the common areas, such as lobbies and laundry rooms safe.
Protecting yourself while living in an apartment in the city should be an element of your daily routine. The steps you take to address your safety concerns are most effective when you do not let them interfere with the things you need and want to do while living in the city. The most important thing to remember is that there is no one-time fix to resolve all of your safety issues. Your safety depends on you staying alert, practicing common sense, like keeping fire extinguishers etc. and taking responsibility for the condition of your environment.

Know Your Surroundings

Look around and take note of the people and things close to your apartment. Your goal is to be able to know when something is out of place. If something is out of place, it may indicate you are in danger. As an example, if there is a utility closet in your building that you pass on the way to your apartment; take note of whether the door is usually closed and locked. An unattended storage room or utility closet gives criminals a place to hide.

Know Your Neighbours

Know the people who should be in your area so that you will be able to identify quickly those who should not be near you. You do not have to form deep friendships with your neighbours but you should be able to identify them by face. Ideally, you should exchange emergency contact information with a neighbour next door or across the hallway. If something happens to you, they can contact someone on your behalf. If something happens to your apartment while you are out, a neighbour will be able to reach you so that you can take action.

Lock Your Doors

Change the locks on your front door, if your lease allows. Hire a licensed locksmith to install the locks. Select the best quality lock that you can afford. Lock your door, even if you only expect that you will be away for only a few minutes, such as when you take out the garbage or go to the mailbox to pick up your mail. If you install a slam lock, you will know that the door is locked, even if you are in a rush or if your mind is elsewhere. Keep your door locked while you are in your apartment.

In the common areas, do your part to keep yourself as well as your neighbors safe. Do not prop open security doors while you carry packages in from your car. Anyone can slip into the building undetected in the moments when you are away from the door. Do not hold doors open for people you do not recognize. It is prudent, not rude, to require all visitors and residents to follow established security procedures. If your apartment complex has an open structure, without a central security door, stay alert to recognize if a stranger is behaving suspiciously.

State Farm Holiday Safety Quiz And Giveaway

December 6th, 2011 . by 21st Century Dad

State Farm Insurance logo It’s contest time again. Once again, the good folks at State Farm are helping me out. The holiday season is here, and with everything going on, it’s easy to let things slip through the cracks. Your exercise routine and diet are probably already shot. The one thing we cannot forget is safety in the home. Safety in the home needs to be in the front of our minds year-round, but there are some additional challenges during the holiday season. If you are travelling, many of these summer travel safety tips will apply.

Take this short quiz and enter to win a $50 gift card from Amazon.com. I’m sure any of us could use a little extra holiday spending cash. This is your chance to earn some.

  • All of the entries with the most correct answers will be entered to win.
  • Among the entrants with the most correct answers, the winner will be drawn randomly.
  • As usual, in the interest of fairness, those of you who share a mailing address, DNA, or W2 form are forbidden to enter. Former co-workers are welcome to ente the giveaway.
  • The winner will be notified via email. If there is no response within 3 days, another winner will be chosen. The same due process will follow until the prize is awarded.
  • The contest will conclude at 11:59:59pm on December 16th, 2011. This is a short one. This will allow enough time to deliver the card, do your holiday shopping with it, or have a gift already picked out for someone. With Channukah starting on December 20th, my Jewish readers will have enough time to pick out gifts for the latter part of the celebration of lights.
State Farm has also provided these additional safety tips for the holiday season:
  • Water your Christmas tree! To help keep your tree fresh, the National Christmas Tree Association recommends adding one quart of water per day for each inch of the trunk’s diameter.
  • Make sure your home is childproof: Keep decorations with small parts out of kid’s reach as well as dangerous decorative plants such as Mistletoe, holly berries and Jerusalem cherries which can be poisonous if consumed in large amounts.
  • Don’t let your garbage advertise your new gadgets: Setting out a box with the picture of a giant TV on it is a prime invitation for burglars.

Take the quiz for your chance to win! Your name and email are required. I promise you won’t be spammed by me.

State Farm Holiday Safety Quiz

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Getting the Most From Your Kroger Fuel Points

November 14th, 2011 . by 21st Century Dad

KrogerAs a single vegan guy with 50/50 custody of a child, I don’t have a huge grocery bill, but last month, I earned over 300 Fuel Points. I certainly didn’t spend $300 on groceries last month. How did I do it?

Every $1 spent at Kroger earns you 1 fuel point and every 100 points earns a $0.10 per gallon discount at Kroger Fuel or participating Shell stations. You earn double fuel points when you purchase gift cards at Kroger. The selection of gift cards available is extensive. You can buy gift cards for major retail outlets and restaurants. If I am planning to make a purchase at one of those retail outlets, I will buy a gift card in a denomination closest to what I will need to spend at that particular store.

  • I buy a $15 Starbucks gift card for myself once a month. I figure that’s a reasonable amount of money to spend at Starbucks in one month. That’s 30 fuel points that I would not have earned if I just forked my cash over to the green mermaid.
  • A friend helped me move last month, so I treated him to lunch at Ruby Tuesday. I picked up a $25 gift card and earned 50 fuel points.
  • I went to Home Depot to buy plastic sheeting and staples for my staple gun to mitigate the energy-leeching effects of drafty single-pane glass windows in my apartment. Buying a $25 gift card prior to shopping at Home Depot earned another 50 fuel points.
  • Panera Bread has some excellent vegan-friendly items, none of which is a plain baked potato and side salad. $25 is a reasonable amount to spend there over the course of two months. 50 more fuel points.
  • Do you shop on Amazon.com? Amazon gift cards are available at Kroger too.
My car takes just over 20 gallons to fill up. A $0.30 per gallon discount adds up to a whopping $6, but $6 is still $6 for very little effort on my part. Compare that to how much time and effort goes in to earning $6 on my paycheck after taxes. Don’t dismiss these small opportunities to save money. Several small wins like these (especially those that do not require much time and effort) go a long way. Several opportunities to save a few dollars every month adds up to a nice chunk of change at the end of the year.
One thing to keep in mind is to avoid falling prey to the tactics used by such customer loyalty programs. Frugal Dad talks about you you might end up spending more than you save if you’re not careful.

Life Insurance and Your Family

September 23rd, 2010 . by 21st Century Dad
Disclosure: I received a packet of educational information and a gift card from The LIFE Foundation before writing this post. The opinions and ideas expressed are my own.

Photo courtesy of Ron Sombilon Gallery through a Creative Commons license

Photo courtesy of the Ron Sombilon Gallery

September is Live Insurance Awareness Month. September is almost over. Where did the time go? Just because Life Insurance Awareness Month is about to pass, it doesn’t mean we can stop thinking about it.

As a single man, I never gave a second thought to life insurance. Who would benefit from it? I wanted every penny of my paycheck that I was entitled to so I could spend it on fun things. Living in an epicenter of scam artistry raised insurance premiums all around. I had contentious sentiments toward the insurance industry. I only wanted the minimum to stay in the good  graces of the law.

All that changed after Twilli was born. I know how important it is, but I dragged my feet (and other body parts). I wondered where I would find the money in my already tight budget for a life insurance premium.

How to Buy Life Insurance

Guitar Center offers a basic policy at no extra charge as part of their employee benefits package. It’s kind of like Pro Coverage, but for you. It comes out of my paycheck, pre-tax, so it’s an even better deal. I didn’t hesitate to sign up. Your employer is the first place to go when you are looking for a life insurance policy. Group rates are available and you won’t have to answer any questions about your health.
If your employer does not offer life insurance, you may still be able to purchase a plan through your employer while bearing the entire cost yourself. However, you may have some of the same advantages as buying into an employer-provided group plan.
If neither option is available to you, a qualified professional can help you select a level of coverage appropriate for you. Be sure to get a referral from someone you trust. Another great source of life insurance might be your current insurance carrier for your homeowner’s or auto insurance. Your insurance agent will gladly inform you of all the discounts you are entitled to for holding multiple policies.

Life Insurance and the Stay-At-Home Parent

Many parenting blog writers and readers are stay-at-home parents. You may not have an income to replace, but what you provide for your children is so valuable. Think about how much you really do as a stay-at-home parent! What would it cost to add childcare, transportation, and a housekeeper? Stay-at-home parents don’t get enough credit for what they do. They often don’t get enough life insurance coverage either.
Salary.com conducted a study in 2006 and put the figure of $134,121 if you consider the responsibilities of a stay-at-home parent and account for an average of 60 hours of overtime per week. Even if you only compensate mom or dad for a 40 hour work week, it would still cost $45,697 to replace those services.
Note: Updated figures are posted here.

Where to Go For More Information

If you are on the fence and want to jump off, talk to someone you trust and visit some of these sites:

JustDaddys.net – a New Internet Forum

June 3rd, 2008 . by 21st Century Dad

A Place for Dads to be Dads

Last night’s triple overtime thriller of a game meant a late night. My friend Greg was able to fly up to Detroit and get a couple tickets to the game. It would’ve been cool to see the RedWings win it all. Greg is a RedWings fan, and I would’ve loved for him to see his team win the Cup. I’m a little fried today between a late night and an early morning meeting with a client. I’m going to make this quick.

JustDaddys.net is a new forum for dads. Jason, the site administrator extended me a personal invitation to join. It’s still in the early stages, but this is where it can be fun. As an early adopter, you have a chance to shape the tone and feel of the forums.

The user base is growing every day. Jason already has tons of great discussion forums already in place. Everything is covered – you can get advice on dealing with an unruly teen or how to calm a colicky baby. Not only is this a place for dads to be dads, but it’s a place for dads to be men. There are discussion forums about plenty of guy things, like sports, cars, and gaming. It’s not a total sausage fest. Moms are welcome too.

When you sign up, please be sure to put “Elliott” (spell it with two T’s please) as the user who referred you. I’ll be totally transparent here. Jason is running a contest and awarding a prize to the top referrer of new users. Don’t let me have all the fun. Spread the word and you’ll get a chance to win too.

If you want to get in on the fun, here are the rules:
1. All referrals must sign up with the site by 11:59PM July 3rd 2008 to be considered a complete referral.
2. All referrals must have a minimum of ten (10) posts before July 13th 2008 to be considered a complete referral.
3. Both Referrer and Referral need to PM me the below items in order to be considered a complete referral.
a. Referrals PM me the name of the Referrer
b. Referrers PM me the name of the Referral
4. For each referral that is completed correctly the referrer will earn a chance to win the prize.
5. Prize will be a $30 dollar gift certificate to the store of your choice (limited to what is in my area to purchase, PM me with requests)
6. Decision of winners and prizes is completely up to me and names will be drawn from a hat randomly at the conclusion of the contest.

Please visit JustDaddys.net and take a look around. You’ll be glad you did.

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