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On a hot summer day, there’s nothing better than taking a refreshing dip in a swimming pool. Splashing around in the pool is fun for the entire family, but it can become dangerous if proper safety measures aren’t met. Here are 9 pool safety tips to help keep you and your family safe this summer season.  

  1. Watch the kids! The pool is a place for fun, but it can also be dangerous, so you may want to teach your kids how to swim at an early age. Children tend to wander around and might find their way into the pool area. If your house opens directly into a pool area, install a door alarm to alert you when someone enters the pool area.  
  2. Install a fence: Building a secure fence, with a self-locking gate installed around your pool will help keep kids and pets out of the water when you’re not outside looking after them. It can also help keep unwanted critters out of the pool.
  3. Use inflatables wisely: Inflatables are a lot of fun especially for children, but to keep everyone safe, limit the number of inflatables in the pool at one time, so it’s easier to see all of the swimmers in your pool. Remember to stay alert as inflatable toys can overturn easily. To avoid any temptation for young children to reach in and grab the items, always get rid of the inflatables from the pool when there not being used.
  4. Feet first: Most home pools are not made for diving, so have a feet-first protocol, specifically if you have a water slide. Diving head-first may cause an injury, so encourage water safety for all guests by coming up with a basic pool safety rule.
  5. Be prepared: Be sure to keep rescue equipment and a first-aid kit near the pool. Being prepared will help everyone have a relaxed time and enjoy the swimming pool. You should also consider keeping a phone near the pool, in case you need to make an emergency phone call. This will allow you to do so quickly in case any emergencies occur.
  6. Restrict access: Drain the water from inflatable pools when not in use and discard ladders and stairs from above-ground pools. For larger pools, install a pool safety cover when the pool is not in use to avoid accidental entry.
  7. Repair any damage: Make sure pool ladders and railings are secure, so no one gets hurt getting in and out of the pool. Also, repair any damage to the pool deck to prevent people from tripping.
  8. Store chemicals safely: Pool chemicals help protect swimmers by killing disease-causing germs in the water, but they can also be dangerous if there left out in the reach of children. Store pool chemicals in a safe place, where children can’t get to them.
  9. Set pool rules: Educate yourself and family members on what pool conduct is and is not acceptable. You may even want to create a list of “pool rules” that includes the following:
  • Don’t run on the pool deck
  • Don’t dive into the pool
  • Don’t push anyone into the pool
  • Don’t swim without an adult
  • Don’t dunk or hold anyone underwater

Taking a dip in the swimming pool is a great way to cool off during a warm summer day. Keeping a few safety precautions in mind can ensure that swimming is a fun activity where no one gets hurt and your pool is safe for you, your family and friends.

Read more at https://www.newamericanfunding.com/blog/9-tips-to-keep-your-swimming-pool-safe-this-year/#aOHsuczQHjxPRt6O.99


Sluggish Loan Applications Show Weakness in New Home Sales

Posted To: MND NewsWire

While the Mortgage Bankers Association (MBA) is predicting newly constructed homes sold at a much higher rate in November than they did a year earlier, sales are expected to be down significantly from this past October. MBA's Builder Application Survey (BAS) data for November 2019 shows mortgage applications for new home purchases increased 27.1 percent compared to November 2018 but were down 17 percent from the prior month. This change does not include any adjustment for typical seasonal patterns. Based on the application data and information about market coverage and other data, the association estimates new single-family home sales were running at a seasonally adjusted annual rate of 688,000 units during the month. This estimate is a decrease of 13 percent from the October pace of 791,000...(read more)

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MBS Day Ahead: A New Way to Look at The Range

Posted To: MBS Commentary

Yesterday brought a nice little rally in response to a surprisingly rate-friendly press conference with Fed Chair Powell. The counterpoint to that conclusion is seen in the chart I posted in yesterday's recap. Specifically, bonds began the day rallying and were in the midst of a linear trend toward lower yields when Powell's press conference briefly took yields below that trend. They ultimately returned to the trend by the end of the day. My efforts to de-emphasize the significance of the Fed (and NFP before that) are not without a solid reason. Yes, these events can and will cause reactions on the day of their release--especially when they surprise markets. But unlike the average past example (especially before mid 2019), they haven't been up to the task of creating lasting momentum...(read more)

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