crib safety
gift cards
health clubs
home safety
identity theft law
100
What are drop-side cribs?
A movable side that slides down to a lower position.
100
What must be disclosed on the gift card/certificate?
dormancy fee and expiration date
100
Which three instances does NJ regulation require the club to provide you with a cancellation?
-Within three operating days after receiving the contract. -Upon death or permanent disability -Upon moving more than 25 miles from the health club or an affiliated health club.
100
In case of an emergency, where your light goes out, what should you have in the house?
Charged flashlight
100
What are three main things businesses are required to minimize the risk of Identity theft by?
refraining, destroying, disclosing
200
There are how many infant and toddler suffocation and strangulation deaths in between 2000 and 2010?
32 infant and toddlers
200
When were the latest federal rules for gift cards implemented?
August, 2010
200
What should you do before you sign up for a health club?
-Ask friends and relatives for recommendations -Visit club during hours you would expect to use equipment. -Check to see if the equipment is in working order and the facility is clean. -Talk with current members for their opinion.
200
How is carbon monoxide produced? (CO)
CO is produced whenever any fuel such as gas, oil, kerosene, wood or charcoal is burned. --if appliances are not working properly/used incorrectly, dangerous level of CO can result.
200
What must businesses refrain from for safety?
refrain from posting customers' Social Security numbers, making customers' Social Security numbers available to general public and transmitting numbers over the internet
300
What are important crib safety tips to keep in mind?
-longer the crib is used, the more wear and tear present on hardware and joints, allowing screws to loosen and fall out and plastic to flex and break -repeated assembly and dis-assembly increases the chance of damage -wood warps shrink over time and glue can become brittle leading to joint and slat failures.
300
What are key features of the gift card act?
-Focuses on retailers that issue their own gift cards/ not bank issued cards. -Requires expiration date and dormancy fees to be disclosed. -Gift card can not expire before 24 months after its purchase
300
Why should you be cautious about paying for more than three months' membership in advance?
-The more money you pay in advance, the more money you risk losing should the club go out of business before the term of your membership has run its course. -If you decide to sign up for a membership for a period longer than three months, call the division of Consumer affairs to find out if the health club has posted the security bond as required by law.
300
Which class fire extinguisher is the best choice for general home use?
Multipurpose dry chemical class ABC.
300
What is an Identity Theft?
misuse of one's personal and financial information by a criminal who steals money from the victim's accounts or takes out loans in the victim's name, leaving the victim in debt -- can cause very real heartache and aggravation for its victims
400
What are the rules to keep babies sleeping safely and will give parents a better night's sleep?
-Place baby on their back (American Academy of Pediatrics and CPSC recommends) -Gaps between sides of crib and mattress should be no bigger than 2 -don't use cribs older than 10 yrs, broken, or modified -set up ply yards properly according to manufacturers directions -don't place a crib near a window with blind cords, curtain cords, or baby monitor cords.
400
What are the rules of "Dormancy Fees" on Gift cards/certificates ?
-After the 24th month the retailer may impose a "dormancy fee" not to exceed $2 per month. -Dormancy fee may not be imposed until 24 months after the latest use of the card/certificate.
400
What should you do if there are several health clubs with the same name in your area?
Find out whether all of the locations will honor your membership
400
How can you avoid kitchen fires?
-Clean your stove & exhaust hood. -Provide good lighting near your stove. -Don't wear loose fitting clothes.
400
What are a few steps you can take for self-protection if you believe you were exposed to identity theft?
-file complaint with the Federal Trade commission -file a report with your local police department -obtain a copy of your credit report -keep a close watch on the activity of your credit/debit cards -contact all financial institutions -contact U.S. Social Security Administration -keep complete set of records -contact nongovernment nonprofit groups
500
When was it effective that cribs in the US must comply with the new federal standards?
June 2011
500
After how long can money on a gift card expire?
5 years If date on card is earlier than 5 years, money should be transferred to replacement card at no cost.
500
What does a health club services contract provide?
If the club is closed for a period longer than 30 days through no fault of the buyer, the buyer is entitled to either extend the contract for a period equal to the time period during which the club was closed, or to receive a prorated refund of the amount paid by the buyer under the contract.
500
What should you post near each telephone in your home to be safe in and around your house?
A list of emergency phone numbers, including police, fire, doctors, the local poison control center & a family member or neighbor.
500
To protect yourself from Identity Theft, what actions should you take?
-Keep a list of all of your account numbers -carefully review bank statements and bills -dont reply to email notices -dont give personal information over phone to telemarketers
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