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ATVs are not toys for young children

In Children and Family, Dayton Ohio News, Health, Local News, Opinion, Sports News, State News, Uncategorized on July 14, 2014 at 9:30 am

DIH LOGOSince 1982, there have been nearly 400 Ohio deaths related to the operation of ATVs, short for “all terrain vehicles.” Like any other power machine, the ATV is a safe, versatile vehicle when handled properly by responsible adults, yet their operation is far too often given over to small children.

According to statistics collected between 1982 and 2012 by the United States Consumer Products Safety Commission (CPSC), there have been, nationally, 2,944 ATV-related fatalities of children younger than 16 years of age and 43 percent of them were younger than 12. The CPSC also states that children 16 and under comprised 24 percent of the total number of ATV related deaths.

Unfortunately, these machines are not being treated like the dangerous power equipment they are but instead as if they are children’s toys. It’s not uncommon to see very small children riding these powerful four-wheelers (and there are still a few three-wheelers out there). Any responsibility for accidents must be laid firmly on the shoulders of the parents as well as those legislators who can’t be bothered with increasing safety regulations on these devices.

Currently, age restrictions on ATV operations in Ohio are, in this commentator’s opinion, far too lenient, and logically inconsistent. For example, as of 2014, the Ohio law states that, “to operate an ATV on public lands, one must have a driver’s license or motorcycle endorsement. The Department of Natural Resources may permit a person at least 12 (years of age) to operate on Department land if accompanied by a parent.”

In the next section the regulations state, “No one under 16 may operate an ATV unless on land owned by a parent or accompanied by an adult 18 or older.” It’s as if, in one regulation, the legislators acknowledge the dangers involved in operating these machines and that people should be qualified, licensed drivers. But in the other, just having a parent there qualifies the kid to be behind the handlebars.

When children operate these machines there are two issues to consider: Experience and size. A licensed driver will have had some training and experience behind the wheel and be at least somewhat more experienced than someone who has never operated a motor vehicle. Arguing also that a farm kid can handle it because of tractors and other equipment is ridiculous too. There is a big difference between disking a field and popping wheelies down a hillside on an ATV.

Additionally, as stable as they may seem, to keep all four wheels on the ground, an ATV requires a certain amount of bulk in the form of the rider. Shifting the weight from side to side, similar to riding a bike, is necessary and aids in steering and stability.

A small child of 6 or 7 years old, and maybe 60 pounds on the outside, simply does not have enough mass or strength to control the machine, regardless of its size. Even the smallest of these vehicles is powerful enough to cause a serious accident if not properly controlled and no safety switch or oversized helmet can outmatch the common sense of not letting a little kid ride it in the first place.

The overturned ATV in the Crooked River.Liability is another major consideration. Without getting into the legal issues, it goes without saying that America is a litigious society and special endorsements are required on insurance policies to cover liability issues related to ATV operation. Even if there is insurance, the parents of an injured child can still sue the owner of the ATV or the property where the accident took place.

In the end, the question must be asked, “Is a few minutes of joy riding on an ATV worth risking the safety or perhaps the very life of a child?” For more information, download a complete copy of Ohio’s current ATV laws: OhioATVLaw

Gery L. Deer is an independent columnist and business writer based in Jamestown, Ohio. More at www.gerydeer.com.

All In One from CMG Financial pays off mortage faster, builds equity

In Business, Economy, finances, Local News, Uncategorized on July 7, 2014 at 12:43 pm

By Gery L. Deer

Business Editor

With interest rates at historic lows, American homeowners are constantly on the lookout for the best way to pay off a mortgage loan at the lowest cost and in the shortest time. CMG Financial has a loan solution, just made available in Ohio, specifically designed to help borrowers put idle money to work reducing mortgage debt.

CMG Financial was established in 1993 as a privately held, mortgage-banking firm based in San Ramon, California. The company is widely known for responsible lending practices, industry and consumer advocacy, operational efficiency and market innovation.  Among those innovations is what the company refers to as the All in One mortgage.

Joseph P. Beach is the Ohio Operations manager at the firm’s Dayton area office, opened in 2011, and a thirteen-year veteran of the mortgage industry. “The All in One mortgage has been offered in California since 2005, but is now available in Ohio and seven other Midwest states exclusively from CMG,” Beach says. “It’s designed to benefit the disciplined borrower who is interested in paying off their mortgage and growing the equity funds available as fast as possible.

According to CMG Financial, this type of mortgage option has been available in England, Canada and Australia, where interest regulations are different. Essentially, the All in One mortgage, “Puts lazy money to work.” That is, money that would normally just sit in a checking account doing nothing is used to lower the balance of the mortgage loan until the cash is needed elsewhere.  The idea is to lower the total interest expense over the term of the loan by paying down the balance right from the beginning using the idle cash in checking, certificates of deposit and other low interest-earning accounts.

Beach notes that there are some specific advantages to the All in One mortgage, unavailable under other products. “A borrower can significantly cut the total interest expense over the life of the loan, pay off your mortgage in as little as seven years with no change to your spending habits, and still be able to access home equity 24 hours a day, seven days a week, without refinancing.

Stein_CMG-CapturePopular economist and author Ben Stein has personally endorsed the CMG loan stating in a promotional video now available on YouTube, “I think it’s the greatest invention in personal finance in my lifetime.”

Of course, the All in One is not for everyone and certainly not a product for those in an upside down or problematic financial situation. Beach’s description of a “disciplined borrower” is very accurate. To qualify, borrowers require a credit score exceeding 700, are active savers and use funds that would normally be sitting in a checking account earning minimal interest.

For more information, contact Joe Beach at CMG Financial’s Dayton office by calling, (937) 937-723-8095 or email jbeach@cmgfi.com. The All in One was patent protected in 2009 and is a trademarked mortgage product of CMG Financial. Catch Joe Beach on WDTN-TV2’s “Living Dayton” program, 12-Noon, Thursday July 10.

Improving American language skills: Reading and writing are fundamental

In Books, Children and Family, Education, Literature, Local News, Opinion, Technology, Uncategorized on June 30, 2014 at 3:53 pm

dih-logo-SENext to the United States Constitution, the Declaration of Independence may be the single most important document ever created in the history of America. It established our country’s formal separation from England and set in motion more than two centuries of global influence and an example of how a free republic can succeed.

But what would have happened if the men who founded our country lacked the basic language skills to create that first, all-important document? How would these men have properly and so effectively communicated the displeasure and intent of an entire people without such a firm grasp on the English language, not merely to speak it but to put it down in a document to be revered for centuries to come? In short, they couldn’t have.

On this 238th anniversary of the signing of the Declaration of Independence, we need to remember that it’s author had but two years of formal, college education. In those days, a man wishing to become a lawyer apprenticed under other attorneys, reading the law and learning to interpret and apply it for the good of the people for whom it was put in place. Jefferson eventually became a lawyer but not by obtaining any degree we might understand today.

Likewise, Benjamin Franklin went to school briefly but, because of financial issues, he had to stop to help support his family by going to work with his father. He furthered his own education, however, through reading and self-study, a practice that is, sadly, frowned upon today. Both of these men demonstrated the vast important of language and writing, and how the written word can change history. Some people, though, struggle with language skills or never learn to read at all.

One of my favorite books from childhood was called, “The Little Old Man Who Could Not Read,” by Irma Black. The book chronicles the story of a little, old toy maker who, despite his amazing craftsmanship for pleasing children, never learned to read. One day, his wife went to visit a sick friend and left him alone for what must have been the first time. He was forced to do the grocery shopping on his own, which turned out to be a very frustrating endeavor. Upon arriving home, he sadly discovered that what he thought was a spaghetti box turned out to be wax paper and the can of sauce, coffee instead. It was very disheartening. But it motivated him to learn and he did. The book was written many years before the technology age, but imagine what he would have to deal with today if he couldn’t read at all? It would be nearly debilitating in modern American culture.

little_old_manI have always been a writer, even back into childhood, but most of my language skills came from audio books and those children’s books that came with a 33 rpm record. I found later that I had been dealing with a learning disability that hindered my ability to retain what I had read. Over the years, I adjusted and coped, but was not diagnosed until my mid-30s. Today, I have new ways of dealing with the problem and read as much as I can. I learned to defy my disability because I wanted to read.

There’s no question that Jefferson and Franklin were above-average men, but we all have the ability to move past our limitations, just as Franklin taught himself what he needed to know and just as I worked past my reading issues. For those who want to improve their language skills across the board, here are a few tips and they work for pretty much all ages.

First, try to write as much by hand as possible. Using paper and pen will slow you down a bit and force you to think before you write. People were better writers in the old days because it took time to get thought to page. Today, technology has us whizzing through sentences without a thought to grammar and word usage.

Next, although it’s fallen out of favor with the public school set, use cursive writing as much as you can. As with the first point, handwriting something makes you think and use the right language. It even gives you the chance to look up a word before you use it.

Try to learn a new word every day. Vocabulary is the key to better language skills. Take the time to look up words you hear throughout your normal day. But if you don’t hear any that grab your attention, pick up a hard-bound dictionary, open it up, close your eyes, and point to a word on the page.  That’s your word for the day. One of those “word of the day” desk calendars is a great resource too. Of course, you need to put the word into use whenever possible to make it stick.

Read, read, read, read. And, did I mention, read? Newspapers, well-written blogs, congressional briefs, comic books, it doesn’t matter what you read, just make sure you read a lot. If you’re trying to improve your language skills, however, the more advanced the reading the better. It’s ok if it takes time, look up words you don’t know and charge ahead.

Finally, don’t write like you text. In fact, don’t text how you text, either. The wave of “texting shorthand” is maddening to those of us with good grammar and language skills. Use full words and sentences – even in texts. It’ll make a big difference in how you communicate in email and in other written documents as well. Take your time and say it right.

So this Fourth of July weekend, go out and enjoy the picnics and fireworks.  But remember, when you hear the words to the national anthem or the preamble to the constitution, think about the meaning of each word and be grateful that those guys were diligent enough to get every one of them right. Our very freedom depended on it.

Criminalizing rhetorical hyperbole in political ads

In Local News, National News, News Media, Opinion, Politics, Uncategorized on May 7, 2014 at 12:36 pm

DIH LOGOThere is an Ohio law on the books that prohibits politicians from making false claims against an opponent in election campaign ads. Recently, however, the United States Supreme Court took up the question as to whether the legislation infringes on free speech.

Although a dozen other states have similar laws in place, Ohio’s version has come under fire by a conservative group, called the Susan B. Anthony List, who claimed discouraged them from running advertisements against a pro-choice Democratic congressman. It’s likely the case will be kicked back to a lower court, but the implication of the argument leaves room for the exploitation of loopholes, like rhetorical hyperbole.

In general, the law makes it illegal to lie about a political candidate or ballot initiative. What’s left somewhat to interpretation is whether rhetorical hyperbole is permitted. That is, can statements be exaggerated to the edge of falsehood without actually crossing the line? Hyperbole would still stretch the truth, making hours seem like days.

For those who slept through sixth grade English, like me (I know, ironic, huh?), an hyperbole is an exaggerated statement or claim not meant to be taken literally. It comes from a Greek work meaning, “over-casting.” For example, you’re standing in line at the bureau of motor vehicles and you say, “This is taking forever!” Your ordeal in line is not literally going to be indefinite, but you express your irritation and impatience in hyperbole to punctuate your displeasure.

Politicians (and most other advertisers) use hyperbole in many ways. In an extreme example, imagine seeing a political ad where a pro-choice candidate is being attacked by a conservative group. The ad might say, “Congressman Bob hates babies.” Bob may be pro-choice, but no evidence is offered in the ad that he actually hates babies.

What about a conservative senatorial candidate painted as if she is, “going to overturn years of gun control” because she was photographed at a shooting range for a stump speech? In both cases, there’s no evidence given to support the claims but it could be argued that these statements are simple hyperbole and cleverly dodge the “no lying” clause of the Ohio law.

Until this kind of legislation was enacted, only commercial advertisers had to follow rules guarding the consumer against false advertising. Advertising agencies and marketing representatives sometimes find loopholes in the law, but generally color within the lines or risk paying severe (even criminal) penalties to the Federal Communications Commission and the Federal Trade Commission.

So why shouldn’t politicians have to follow the same rules as any other advertiser? Really, they should. A politician has no more right to lie, or even grossly exaggerate, to the consumer than a toothpaste or fast food company. If anything, they should be held to an even tougher standard than someone selling milkshakes – but that’s not likely to happen.

President Richard Nixon has remained one of the poster children for lying politicians. But they ALL do it.

President Richard Nixon has remained one of the poster children for lying politicians. But they ALL do it.

Is it a violation of free speech for a fast food chain to be restricted from promoting their food as “healthy” because a burger contains less special sauce than the competition? No, it’s not; plain and simple. If legislation can be enforced to protect the public from losing $3 to a misrepresented health claim for a hamburger, why shouldn’t the law prevent the potential loss of millions of taxpayer dollars to a dishonest politician?

Then again, most people, if asked off the record, tend to believe all politicians are dishonest. But, dishonest or not, misleading the public in an advertisement is fraud and probably should be criminalized.

The idea of rhetorical hyperbole being some kind of back door to the law should also be addressed. Exaggeration is still misrepresentation because more often than not, the jelly-brained voter out there tends to take things more literally than they probably should.

Regardless of advertising content, the final decision about the truthful nature of our politics is made at the polls. Voters must be proactive and learn as much as possible about the candidates and issues before dropping their choice into the ballot box. In a democracy, you have the power, use it wisely.

 

Drowning at Shawnee Lake under investigation

In Local News, Uncategorized on April 23, 2014 at 9:52 am

Shawnee Hills – April 22, 2014 – The drowning of a 63-year-old man at Shawnee Lake on Tuesday is under investigation. Here’s the full story from WHIO-TV, Newscenter 7 :

http://www.whio.com/news/news/local/search-missing-boater-shawnee-lake/nffcy/

Crafters Lodge to host two-day t-shirt quilt workshop

In Business, Children and Family, Education, Entertainment, Health, Holiday, Local News, Senior Lifestyle, Uncategorized on April 16, 2014 at 1:20 pm

CLLOGOSugarcreek Twp., OH – Nearly every event a student attends as he or she goes through school is commemorated by a t-shirt. Crafters Lodge in Sugarcreek Township, is providing a two-day course on transforming those keepsake tees into a cherished family heirloom – the t-shirt quilt.

On Sunday April 27th and Sunday May 4th, Crafters Lodge, located at 6056 Wilmington Pike, just behind Fazoli’s, will host a t-shirt quilting class. The two-day class will provide complete instruction, from start to finish, for a fee of $35 for both days, not including materials. Participants must purchase their own supplies and costs vary based on the materials chosen.

A t-shirt quilt is made up of the artwork from cherished t-shirts commemorating everything from a student’s first day of school or high school prom to concerts and extracurricular events. The artwork is cut from the fronts and backs of the shirts and sewn together to make a quilt. Jo Beth Bryant is co-owner of Crafters Lodge.

“Registered students should stop by the store at least two or three days prior to the first class for instruction on how to prep the T-shirts,” Bryant says. “Having the shirts prepped prior to class will allow the student to begin the layout and design process sooner and thus finish the quilt in a shorter amount of time.”

Teaching the upcoming class is life-long needleworker, Wendy Crawford. A veteran of 4-H and Girl Scout sewing competitions, Crawford started making baby quilts while in junior high school.  She turned to hand quilting after inheriting a quilter’s estate and is now a certified Gammill (Long Arm) operator with more than 350 quilts under her belt. Today, she enjoys sharing her knowledge with the local community after an absence from teaching.

Crafters Lodge opened in September of 2013 and offers high-end supplies and expertise to the serious crafter. In addition to the t-shirt quilting course, the store also offers classes in fiber arts (knitting, weaving, tatting, etc.), tole painting, stained glass and more.

Registration for the t-shirt quilting class is limited and participants are required to bring their own sewing machines. Crafters Lodge is open Tuesday through Saturday 11:00 am to 8:00pm, Sunday noon to 6:00 pm and closed on Monday. For more information and a schedule of classes, visit the store’s website, http://www.crafterslodge.com or call (937) 470-2649.

 

Campaign educates drivers about distracted driving

In Children and Family, Education, Environment, Health, Local News, Technology, Uncategorized on April 2, 2014 at 7:19 pm

DDXENIA, OH – In an effort to make our roads safer, the Greene County Safe Communities Coalition announced today that it has joined the “One Text or Call Could Wreck It All” campaign to stop distracted driving.  April is National Distracted Driving Awareness Month and the Coalition has pledged its support to help spread the message that distracted drivers are not only a danger to themselves, but everyone else on the road.

“We all know that talking on our cell phones while driving is distracting, but that doesn’t stop most people from continuing to do it,” said Laurie Fox, Safe Communities Coordinator.  “This effort is intended to educate our community about the dangers of cell phone use and other distractions while driving.  We hope that once people see the statistics and realize the danger involved, they will change their driving habits to help protect themselves, their families, and others on the road.”

In 2012, 3,328 people were killed in crashes involving a distracted driver and an estimated additional 421,000 were injured in motor vehicle crashes involving a distracted driver. That same year, eleven percent of fatal crashes were reported as distraction-affected crashes.

While anything that takes your eyes off the road, hands off the wheel, or mind off the task of driving is a hazard, there is heightened concern about the risks of texting while driving because it combines all three types of distraction – visual, manual and cognitive.

The national distracted driving effort focuses on ways to change the behavior of drivers through legislation, enforcement, public awareness and education – the same activities that have curbed drunk driving and increased seat belt use.

“Every driver in Greene County has a role in this effort,” said Fox.  “However, we especially want to reach out to parents with teen drivers because we know that statistically, the under-20 age group had the highest proportion of distracted drivers involved in fatal crashes.”

The Coalition’s goal is simple – save lives by getting drivers to remember that “One Text or Call Could Wreck It All.”  All drivers are encouraged to put down the phone and arrive alive.

For more information about distracted driving, please visit www.distraction.gov, or you can contact Laurie Fox at 937-374-5669 or lfox@gcchd.org.  

LIVE! With Michael and Kelly announces Gery L. Deer as guest host.

In Environment, Local News, television on April 1, 2014 at 10:14 am

Gery_Live_April_FoolNew York, NY – April 1, 2014 – Producers of the hit daytime television program, Live! With Michael and Kelly, announce the newest guest host. Writer, entrepreneur Gery L. Deer will join the list of guest hosts to head up the popular morning entertainment show after a successful run as a regular guest on the popular Dayton, Ohio talk show, “Living Dayton.”

An award-nominated writer and marketing expert, the Jamestown, Ohio native is no stranger to the national television stage, having appeared on programs like America’s Got Talent, The Bonnie Hunt Show and Steve Harvey’s Big Time.

An attempt was made to contact Deer, but the only word from his representative, one Bray T Cat, was, “Meow.”
YES THIS WAS AN APRIL FOOL’S DAY JOKE. THANKS FOR PLAYING! (But if Kelly and Michael are reading, I’d be happy to co-host! – Gery D.

 

 

 

 

Long-running BNI chapter to hold visitors day April 3

In Business, Dayton Ohio News, Economy, Local News, Media, Technology, Uncategorized on March 30, 2014 at 2:18 am
Greater Dayton Professionals BNI Chapter was originally established more than 14 years ago.

Greater Dayton Professionals BNI Chapter was originally established more than 14 years ago.

BEAVERCREEK, OH – The Greater Dayton Professionals Chapter of Business Network International (BNI), will hold a visitors day event from 7:30 am to 9:30 am on Thursday, April 3, at the Event Connections, 4140 Linden Avenue in Dayton. The free, no-obligation networking event is open to all entrepreneurs, business managers and sales professionals in the Dayton/Miami Valley region.

The Greater Dayton Professionals BNI Chapter is one of the oldest of 23 in the Miami Valley region, having been established early in 1999. Founded in 1985 by professional networking guru Dr. Ivan Misner, BNI has more than 6,400 chapters world-wide.  According to the leadership team of the Greater Dayton Professionals chapter, BNI’s purpose is to help members create a wide-reaching, profitable referral network free of internal competition, something unavailable from chamber organizations or service clubs.

Along with the open networking opportunity, each participant will have the chance to introduce themselves to the group and give a one-minute sales presentation. Many of the Greater Dayton Professionals BNI members will feature table displays and there will be a special presentation on referral-based marketing by BNI Executive Director Darrel Bender.

Greater Dayton Professionals Chapter Vice President and Public Relations Coordinator, Gery L. Deer.

Greater Dayton Professionals Chapter Vice President and Public Relations Coordinator, Gery L. Deer.

Gery L. Deer, of GLD Enterprises Commercial Writing, is the vice president and public relations coordinator for the chapter. “We are interested in meeting highly motivated, professional business leaders who want to increase their sales as much as 30-percent from referral marketing,” Deer says.

“This event provides our visitors with the opportunity to observe the process first-hand and see the success achieved by our members.” He also added that in 2013, his chapter members passed between them nearly a half-million dollars in closed business and just under $100,000 since January 1st of this year.

Using the organizational philosophy called “Givers Gain” members trade in fully-qualified, outside referrals rather than open-ended, unchecked leads. “In order to pass a referral to another member of our chapter, the giver is required to have already communicated with the subject beforehand,” Deer explains. “Qualifying the referral in this way before passing it, rather than giving random leads is what separates BNI from other organizations and nearly assures a closed sale.”

At present, the Greater Dayton Professionals BNI Chapter is looking for applicants to fill a host of classifications including electrician, printer, banker, health insurance provider, property title agency and more.  Visitors to the chapter are encouraged to bring plenty of business cards and invite others to accompany them to the event.

A brief visitor orientation will be held immediately following the business meeting. For more information go online to http://www.greaterdaytonpros.com or contact chapter public relations coordinator, Gery L. Deer, at (937) 902-4857 or email gdeer@gldenterprises.net.

Possible meth lab explosion in downtown Jamestown

In Dayton Ohio News, Local News, National News, News Media, Uncategorized on March 21, 2014 at 8:42 am
Jamestown home at 10 S. Buckles ripped apart by possible meth lab explosion. Photo courtesy WKEF-22 News Video.

Jamestown home at 10 S. Buckles ripped apart by possible meth lab explosion. Photo courtesy WKEF-22 News Video.

JAMESTOWN – Authorities say an explosion in Jamestown on Thursday was possibly caused by a man in a home-based meth lab.

Firefighters were called to a house at 10 S. Buckles St. in Jamestown  around 1:30 pm on Thursday, March 20 where an explosion had rocked the neighborhood. Police say Shaun Minney was air lifted to an area hospital to be treated for severe burns. Minney is suspected to have been cooking meth in the home when the explosion occurred.

Nearby homes were evacuated and streets blocked off as HAZMAT crews were called in to clean up the residue and firefighters are investigating the exact cause of the explosion. Residents were let back into their homes later in the evening.

Jamestown Police Chief Roger Tyree told WKEF-TV news, “They discovered there are multiple propane tanks inside the residence, which we want to err on the side of caution.  It’s not a normal situation to find 4-5 propane tanks inside someone’s residence. It’s a very scary thing.  We know that he’s doing something in there improper.  Normally you don’t have propane tanks inside your home.”

According to authorities, police were not originally called to the home for an explosion. Family members from the home were taken to an area hospital with suspicious burns and police were notified by doctors. Upon arriving at the home, they discovered the aftermath of the explosion.

At last report Minney was in critical condition and a full investigation is ongoing.

Resources:

What is a meth lab?

What are the potential hazards of exposure to a meth lab?