There have been times in my life when I've felt severely unprepared. I remember starting drivers training and getting behind the wheel for the first time with my instructor, nervously thinking to myself, We've only talked about driving in the classroom—I don't think I'm ready to be on the roads! And during my time as a college student, I've known the horror of being caught off guard by spontaneous pop quizzes. I've even found myself at the starting line of a 25K road running race, regretfully wishing that I had spent more than just two weeks training for the event.

Recalling these experiences makes me glad I was not negligent my first time riding an ATV. This time, I felt prepared. I had carefully learned the rules of riding safely, I was wearing the proper gear, and I was on trails designated for off-road vehicles with other experienced and responsible riders. This preparation gave me confidence and allowed me to relax and enjoy the ride. It was an absolute blast!

Riding an ATV can be thrilling, but also dangerous, so it's important to brush up on how to ride safely before you hit the trails. Whether you are a new rider learning for the first time or an ATV veteran in need of a quick refresher, here are ten tips for being prepared and staying safe on your off-road adventures:

1. Wear protective gear.
   
   Helmets, goggles, boots and gloves are essential. There are no seatbelts or windshields on ATVs, so you need to be prepared in case of falling, flipping, or getting hit with rocks, branches or bugs.
   
   
2. Conduct a pre-ride inspection.
   
   Before jumping on your ATV for a joyride, check the tires and rims for damage, ensure all cables are intact, examine the chain for worn links, and ensure there's enough lubrication where there needs to be.
   
   
3. Never ride alone.
   
   Crashing, getting lost, running out of gas, and other accidents happen, so it's always a good idea to have other riders with you. You should also be sure to carry a cell phone or walkie-talkie so you can call for help in emergency situations.
   
   
4. Don't drive under the influence.
   
   Drinking and driving isn't safe in a car or on a motorcycle, and it's not safe on an ATV either. Alcohol impairs your reaction time, thinking process and judgment, so never operate any vehicle after you've been drinking.
   
   
5. Take a break when tired.
   
   ATV riding requires strength and mental acuity. If you begin to feel fatigued while riding, don't push yourself. Take a break, rehydrate, and eat some food to reenergize before your next ride.
   
   
6. Allow only one rider at a time.
   
   Most ATVs are designed for only one rider at a time, so inviting passengers to jump on with you is extremely dangerous. Always choose to ride solo because the weight of two or more people will make the ATV unstable and more difficult to control.
   
   
7. Ride in appropriate settings.
   
   ATVs are not designed to be driven on concrete or asphalt, so avoid roads and streets. It's best to seek out designated riding areas because riding on improper terrain could cause damage or increase the likelihood of rolling your ATV.
   
   
8. Be aware of the surroundings.
   
   Don't be oblivious to potential hazards. Take time to learn about your location by memorizing where steep hills, bumps, sharp turns and other tricky areas are. Also be attentive and focused on steering clear of other riders.
   
   
9. Ride the right size.
   
   Don't attempt to ride an ATV that seems either too big or too small. If the size isn't a good fit, you could either have great difficulty controlling the vehicle or increased chances of flipping and falling off.
   
   
10. Don’t attempt tricks or stunts.
    
    There's no need to show off or test the limits of what your off-road vehicle can do. ATV tricks and stunts are very dangerous for both you and those around you, so never ride beyond your ability or try anything you know isn't safe.
    ​

Before you take off on an adrenaline-filled and action-packed off-road adventure, remember to make safety your priority. Putting these tips into practice will help you to be prepared, prevent accidents, and make the most of your ATV experience.

Source: https://www.foremost.com/learning-center/off-road-adventures-staying-safe-on-your-atv.asp

Golf Carts look quite easy to drive, but they sure handle differently than other vehicles. When I was 14, I thought I could just hop on one and drive it like a pro. Well I drove it … right into a tree. I learned the hard way that I should’ve taken things slow and let someone else teach me how to drive it. Now I know how to drive one – without crashing – and so can you! Here are some Golf Cart safety tips to read up on before you hit the gas and make the same mistake I did.

1. Check your state-specific laws for age and license requirements.
2. If it's someone else's Golf Cart, have them show you how everything works. They'll know how it runs and how you should safely handle it. If it's yours and you're riding for the first time, read the owner's manual, take things slow and practice.
3. Keep all body parts in the vehicle and wear seat belts if available.
4. Carry no more than the designated amount of passengers (or the total number of seats).
5. Never drive any vehicle under the influence.
6. Golf Carts can tip quite easily, so take turns, inclines and declines slowly.
7. Avoid distractions, such as using your phone while driving.
8. Don't allow anyone to stand in/on the vehicle while in motion.
9. Obey all traffic laws.
10. Use hand signals if the cart isn't equipped with turn signals.
11. Yield to pedestrians.
12. Check your blind spots.
13. Look behind you before backing up.
14. Don't leave keys in the Golf Cart.
15. Avoid driving if you see lightning.

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Review your manufacturer's guide for other warnings and safety guidelines!

To protect your Golf Cart, insure it with Foremost®! Don't let your fun get cut short because you didn't get the right coverage for your ride. Luckily, an agent can help you choose the right policy for your Golf Cart. 
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Source: https://www.foremost.com/learning-center/golf-cart-safety-15-tips-to-avoid-injury.asp

Whether you're taking a road trip or taking the family camping, driving with a trailer can be a challenge. According to eTrailer.com, when you add a trailer to your vehicle, the overall handling and rules of driving dramatically change. Using your hitch to tow your favorite travel trailer means you should give yourself more time to slow down and turn corners. It's important that drivers of all experience use trailer brakes to decrease speed evenly with the added weight that's being towed. And, because trailers don't follow the exact path as the vehicle on turns, always remember to safely swing out wider when traveling around bends and corners.
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Here are some do's and don'ts of towing to keep you safe on the road.

Do's

• Gradually reduce speed
• Travel at an even, moderate speed
• Steady the steering wheel — sudden turns can cause more sway
• Be cautious of potholes and large bumps
• Use a lower gear over large hills or down gravel roads
• Avoid slamming on the brakes — jackknifing could occur

Don'ts

• Consistently stay in overdrive and/or in a high gear
• Attempt to steer out of trailer sway
• Forget to add sway control or a weight distribution system
• Be afraid to safely stop and reload trailer in case of engine problems, sway, flat tires, etc.

Foremost wants you to tow and travel safely!

Source: https://www.foremost.com/learning-center/the-dos-and-donts-of-driving-with-a-trailer.asp

Most bikers have ridden at night. Sometimes you can’t avoid it, or maybe you just enjoy it! It can be pretty, with city lights or starry skies and the open road – but it can also be extremely dangerous. Night riding is not impossible, you just need to make smart choices and be cautious on the night roads. 
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The number one cause of nighttime accidents is a lack of visibility. Beyond the obvious lack of sunlight, riders experience impaired depth perception vision impairment due to fatigue. When riding with decreased visibility, try the following: 

• Lower Speed. Slow down. Follow the night riding common rule-of-thumb: never outride your headlights. For example, if your headlights shine to the tree line, make sure you can stop before you pass the tree line. This will prevent you from riding too fast into an unseen object or hazard.
• Adaptive Headlights. Standard headlights provide minimal illumination. Adaptive LED headlights provide a brighter view of the road with an intuitive mechanism that compensates for turns. The angle of the headlight shifts to illuminate the lane in front of you, not the other side of the road.
• Visor Wipes. Smudges, dead bugs and dirt on your helmet can cause obstructions in your vision when riding, especially at night. The debris on your visor will refract the light of oncoming traffic, inhibiting your eyesight. Keep a travel size pack of wipes on your bike so you can clean your visor. You never know when you might need to ride and night.

There are other hazards to consider when riding at night. If you live in the country, animals such as deer are more likely to make an appearance at night. Be cautious and watch out animals crossing the road. Country and city riders alike should be vigilant for inebriated drivers, especially on the weekend. According to the Insurance Institute for Highway Safety, "Forty-eight percent of motorcyclist deaths in 2018 occurred on weekends, and those deaths were more likely to occur after 6 p.m. compared with weekdays." Proactive driving, additional lighting and slower speeds will help keep you safe when riding your motorcycle at night.

Source: https://www.foremost.com/learning-center/tips-for-riding-at-night.asp

It's the holiday season again – that special time of year when you brighten your home with colorful and twinkling lights. Although decorating with electric lighting helps you create a cheerful atmosphere, it also brings an increased risk of accidental fire.
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Here are some important safety tips to help you avoid electrical fires, overloaded circuits and other holiday fire hazards both outside and inside your home.

Outside lights

• Always buy lights and electrical decorations bearing the name of an independent testing lab, and follow the manufacturer's instructions for installation and maintenance.
• Never use seasonal lighting outside your home unless it is specifically labeled for outdoor use.
• Connect outside lighting to a Ground Fault Circuit Interrupting (GFCI) outlet. If you don't have a GFCI outlet, contact a qualified electrician for proper installation.
• Never secure the wiring of outdoor lighting with staples or nails – or place lights on sharp hooks or nails.
• Do not close doors or windows on extension cords, or mount lights in any way that can damage the cord's wire insulation.
• Carefully inspect new and previously used light strings and replace damaged items before plugging lights in. Never overload extension cords.

Inside lights

• Keep kids and pets away from light strings and electrical decorations.
• Unplug all holiday lighting before leaving the house or when going to bed.
• Make sure the lamps do not rest on the supply cord or on any wire.
• Avoid covering lights with cloth, paper or any material that is not part of the lighting.
• Throw away any lighting that shows cut, damaged or frayed wire insulation or cords. Also discard lights with cracks in lamp holders, loose connections or exposed copper wire.
• Virtually all holiday lighting is provided with overload fuse protection. A blown fuse indicates an overload or short-circuit situation. When this occurs, unplug lights from the outlet immediately and replace the blown fuse.
• If the replacement fuse blows, a short circuit may be present. Either throw the light string away – or return it to the retailer if new.
• Take the lights down when the holidays are over. Seasonal lighting is not intended for permanent installation or use.

Christmas tree safety

• When lights are placed on a live tree, be sure your tree is fresh and well maintained. Never purchase a tree with dry or dropping needles.
• Keep live trees as moist as possible by giving them plenty of water every day.
• Choose a sturdy tree stand designed not to tip over. Make sure the tree stand is well secured and stable before putting on the lights.
• Always use safe tree lights that have been tested by an independent testing laboratory.
• Inspect lights carefully. If a string of lights has worn, frayed or broken cords, or loose bulb connections it should not be used.
• Place the tree at least three feet away from any heat source. Try to position it near an outlet so cords don't have to run long distances.
• Do not position the Christmas tree where it may block exits.
• Never use electric lights on a metal tree.
• Buy artificial trees only if they are labeled as fire-retardant.
• Make sure larger tree lights have some type of reflector rather than a bare bulb.
• Keep an eye on children when they are near the tree and do not let them play with the wiring or lights.
• Store matches and lighters up high, out of the reach of children.
• Safely dispose of the tree when it begins dropping needles. Don't keep dried out trees in your home or garage, as they are highly flammable.
• NEVER attempt to burn a dried out tree in your home's fireplace. It may burst into hard-to-control flame instantly.

Candle fire – Beauty or a beast?

• The warm glow of holiday candlelight is beautiful, but can be a severe fire hazard. Since December is the peak month for candle fires, put safety first when lighting any holiday candle. Here are a few safety tips to observe.
• NEVER use candles to decorate your Christmas tree!
• Keep candles away from decorations and other combustible materials.
• Extinguish all candles when leaving the room or going to sleep.
• Don't place candles in windows, where blinds and curtains can close over them.
• Use sturdy candleholders that won't tip over easily and are large enough to collect dripping wax.
• Remember, a candle is an open flame and can easily ignite nearby combustible materials – such as clothing, books, paper or any flammable liquid.
• Keep candlewicks trimmed to one quarter inch and extinguish taper and pillar candles when they are within two inches of the holder. Votive candles should be put out before the last half-inch of wax starts to melt.

Candles and children

• Keep candles up high and out of reach of children.
• Do not use candles in places where they could be knocked over by children.
• Never leave a young child unattended in a room with a lighted candle.
• Don't allow children or teens to have candles in their bedrooms.
• Store candles, matches and lighters up high – out of children's sight and reach.

During power outages

• Try to avoid carrying a lit candle.
• Don't use a lit candle when searching for items in a confined space.
• Never use a candle for a light when checking pilot lights or fueling equipment such as a kerosene heater or lantern.

Sources of holiday lighting information and web links

• National Fire Protection Association (NFPA)

When traveling in an RV, you may find it helpful to have a vehicle available for a run to the store or a short excursion without having to pack up all your gear and maneuver your rig through crowded city streets. Many experienced RV owners tow a car or truck for the convenience of having a more compact vehicle on hand. Here are the different options for towing and tips on how to do so safely.


Four Wheels Down (Toading, Dinghy Towing or Flat Towing)

This is the most popular method for towing a vehicle behind an RV, which involves attaching a tow bar and letting your vehicle roll behind the RV on its own four tires. Benefits of this method include minimal, if any, impact on the gas mileage, handling, and wear and tear of your RV; the equipment needed to attach a car by a tow bar is cheaper than purchasing a dolly or flatbed trailer; and you don’t need a separate trailer license. However, there are a few drawbacks. Not all vehicles are equipped to be towed on four wheels so check the owner’s manual, manufacturer’s guidelines and mechanical capabilities of your vehicle before investing in this option. In addition, though this shouldn’t add miles to your car’s odometer, it will cause wear on the car tires.

Two Wheels Down (Dolly Towing)

For this method of towing, a dolly attaches to the back of your RV and the vehicle rides with two tires up on the dolly and the other two tires down on the road. Any front-wheel-drive vehicle can be towed this way. Plus, you won’t damage your car’s transmission or increase mileage while it’s in motion. The downsides of this method is that a quality dolly trailer is expensive; you may need a separate license for the dolly; it could be difficult to store at a campsite; it puts wear on the two car tires that are down; and it adds weight to the capacity of your RV. If you’re thinking about choosing this option, calculate what the overall weight will be (before purchasing the dolly) to ensure your RV will be able to handle it.

Four Wheels Up (Flatbed Trailer)

The third option for towing a vehicle is with all wheels up on a flatbed trailer that’s attached to the RV. Any vehicle can go on a flatbed trailer as long as it can be secured and as long as the trailer is built to handle the weight of your specific vehicle. Before purchasing a trailer, decide what vehicle you’re going to bring with when traveling and then compare trailer options based on the amount of weight they can haul. Similar to dolly towing, the drive shaft is off the ground so you won’t rack up mileage. Also, with this method, your tires won’t endure any wear and tear. Disadvantages of four wheels up is you’ll have the extra cost of the trailer; you may run into storage issues at campgrounds; and the weight of a flatbed trailer will use up a lot of the weight your RV can carry.

Whichever method you choose, it’s important to take extra precautions when you tow a car behind an RV. Here are some basic safety guidelines to follow:

• Practice driving while towing the vehicle before you go on a long drive for the first time.
• Inspect all wire, cable and chain connections every time you make a stop.
• Obey the speed limits for towing in each state.
• Check for road construction and plan your route in advance.
• Avoid towing in deep sand and gravel, or in icy or snowy conditions.
• Keep a minimum five-second interval between you and the vehicle in front of you.
• Check your tire pressure often.
• Avoid tight turns as it puts pressure on the tow bar.

If you’re new to towing, hopefully this gives you a better idea of what method to choose for your next adventure. Have a safe and happy trip!

Source: https://www.foremost.com/learning-center/options-for-towing-a-vehicle-behind-your-rv.asp

Some people have trails or areas where they can ride their Off-Road Vehicles at home, but others may have to take their ORVs somewhere else to ride. For instance, many people take their Golf Carts with them when camping or haul their ATVs and UTVs to designated riding trails. To get your ORV to these places, you'll probably want to tow it with a trailer. If you've never towed an ORV with a trailer before, follow these steps to keep your ORV from moving around or falling off!

1. Connect and secure the trailer to your towing vehicle. Be sure that your vehicle is fit for a trailer and can tow the weight of your ORV. The trailer size needed will vary based on the type of ORV you're hauling. Attach the ball of the hitch to the hitch of the trailer. Fasten all latches and secure them with a pin or lock, and don't forget to hook the chains!
2. Lower or attach the loading ramp(s). Some trailers have built-in ramps that either lower or fold away. If your trailer doesn't have either of these, I'd suggest purchasing a portable ramp suitable for your ORV. Lifting an ORV onto a trailer is dangerous — especially if you're alone.
3. Slowly drive the ORV onto the trailer. Once the ramp is secured, either put the vehicle in neutral and push or slowly drive the vehicle onto the trailer. If you go too fast, the wheels could spin and slip. Don't forget to wear a helmet!
4. Establish proper weight distribution. Place the ORV toward the front of the trailer (closest to the towing vehicle) so that about 60 percent of the weight is at the front. Make sure your parking brake is on once you've got it in the right spot!
5. Strap it in. Use ratchet straps to keep the ORV in place while you drive. Do not attach them to your axels, suspension or any other non-sturdy part — these parts could bend from the pressure of the straps. Check your owner's manual for recommended places to attach straps on the vehicle. Connect the straps to built-in hooks on the trailer, then tighten the straps so the ORV is sturdy and will move as one with the trailer.
6. Raise or remove the loading ramp(s). Now that the ORV is in place, put the ramp away. Place it inside of the bed of the truck (if this is your towing vehicle), or secure it in the trailer — you'll need it when unloading the ORV.
7. Hit the road! You're all ready to head out on your adventure. If you haven't driven a trailer in a while, refresh your memory on the dos and don'ts of towing and take it slow!

Sources:
https://www.foremost.com/learning-center/towing-an-orv-with-a-trailer.asp
https://www.golfstorageguide.com/how-to-tow-a-golf-cart-on-a-trailer/
https://www.tires-easy.com/blog/towing-atv-trailer-tires/

No matter how much you enjoy being on the water, suffering from nausea and fatigue on a boating excursion might make you wish your feet were planted on land. According to Montavit, about 10% of the population is extremely sensitive to motion sickness, with another 75% subject to occasional motion sickness. This travel illness can take a nice trip out at sea and turn it into a nightmare, but don't fret, I've got the answers for you. Here's some useful info on sea sickness so you can have a fun day out on the waves!

Why do I experience sea sickness?
Sea sickness is defined as motion sickness that happens on the water. The inner ear becomes unbalanced due to the rocking motion of a boat or ship and can have side effects like a cold sweat, upset stomach, fatigue, and/or nausea and vomiting.

6 Methods to Cure Sickness

1. Situate yourself in the middle of the boat. The middle of the boat has the most stability and will not feel as topsy-turvy as the back, front and sides may feel. If your boat doesn't have a place to sit in the middle, the front is the next best spot.
2. Steer the boat. Even better than sitting in the middle or front, having control of your surroundings will help control your nausea because you will be able to anticipate those major turns and wave maneuvers.
3. Find something stable to fix your eyes on. Finding something stable like the horizon to fix your eyes on will help restore some equilibrium, since your brain will recognize the stillness and calm your inner ear.
4. Talk to yourself. Although you may look silly, a study has shown that "verbal placebos" have been effective in preventing sea sickness. Telling yourself that you are not seasick has been proven to help, as well as learning breathing techniques to calm your stomach.
5. Ginger is a natural remedy for nausea, so look for foods and drinks with ginger in it to keep your nausea at bay. Ginger-ale and ginger cookies may be of help.
6. Use over-the-counter medication. Sometimes, no matter what you try, all other preventative measures don't seem to work just right. Talk to your doctor about preventing nausea from motion sickness with medications like Dimenhydrinate (Dramamine) or the Scopolamine Transdermal Patch, which will curb the nausea and get you back out on the water.

Above all else, try to avoid thinking about your nausea and focus on other things. Stay active to distract yourself and help pass the time. Enjoy your trip out at seas, and comment below if you have found any other remedies that help curb your motion sickness.

(Source: Wikihow)
Source: https://www.foremost.com/learning-center/curing-sea-sickness.asp

You may tend to overlook your roof, but it's actually the most important component of your home - and the most vulnerable. It protects you from the elements like rain, snow and sun, but roofs don't last forever!

I didn't really think about the importance of roofs until recently when my friend and her husband bought their first home. It was built in the late 40s, and since she moved in she's been saying how badly her roof needs replacing. Of course, that was five months ago, and work has still yet to be done. I then thought to myself, is putting off the project really going to affect you that much?

The answer is, yes!

So — I began to research how one would go about replacing or repairing a roof.

The first order of business: understand the relationship between the age of your roof and its life expectancy. According to the Good Housekeeping magazine, shingle roofs should last between 20-30 years (if you have a different type of roof, such as metal or clay tile, you may have to follow different rules). If your home is new or the roof was recently replaced, you should be in the clear. However, it doesn't hurt to do a checkup after getting hit with severe weather like a hailstorm, ice and snow or crazy rain.
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If your roof is getting close to its 30th birthday, keep your eyes open for warning signs that tell you it's time for a revamp. Here are a few things to look out for:

• Loose shingle tabs
• Cracks in shingles
• Broken or missing tabs
• Buckling or curling shingles

• Shingles covered in moss or algae
• Majority of granules worn off tabs
• Sunlight is shining through the attic
• Extensive leaking

Whether you're a "sailor" who's going out to sea on a pontoon, speed boat, or sailboat, there's something special about being behind the wheel, cutting through the waves. However, I don't want your day to be ruined by forgetting the most essential items needed for your trip out at sea.

That's why you should follow this checklist cleverly titled the Sailors Scroll for Stocking Your Seaboat and never forget another important item again:

• PFD (Personal Flotation Device or Life Jacket): You will need at least one PFD for each person on board. Children under 13 are often required by law to wear a flotation device while on a boat. See what your state has to say about these PFD requirements.
• Whistle: Blow on the whistle while wet to make sure it still works through the water!
• Water: No matter how long you intend to stay out, bring a full supply of water for each sailor on board to ensure that you'll have access to clean water in case of the unexpected.
• First Aid Kit: You never know what the waves will bring while out boating. Make sure you always have a stocked first aid kit on board to tend to the small accidents as well as the big.

And don’t forget these other items:

• Boat registration
• Anchor
• Jumper cables
• Signal horn
• Fire Extinguisher
• Rope
• Bucket
• Spare clothes

• Razor blade or Swiss knife
• Flashlight
• Blanket
• Toliet Paper
• Sunglasses
• Sunscreen
• Food

Enjoy your day out at sea! Did we miss anything on our list? Comment below!