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First Community Financial Group, Inc. Blog

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Water tubing safety

5/15/2025

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One of my favorite water sports in Texas in the summer is tubing. For someone who isn't athletically inclined, it's fairly easy and doesn't require much work. I simply make sure I'm secure on the tube, hold on tight, then feel the rush of adrenaline as I ride the waves! It's exciting and unpredictable because I never know if I'll stay on my tube or fall off into the water (I usually end up falling in), and it forces me to brush up on my swimming skills. It's even more fun if I'm with a partner and we're in competition to see who can hold on the longest!

Usually when I'm tubing, I'm never concerned about safety because I'm with experienced boaters and other people who have been tubing for quite some time. However, there's no such thing as being too safe.

If you're a first-time rider or just need a refresher, keep these safety tips in mind the next time you are getting ready to jump on a tube!
  • Get familiar with your equipment. Make sure you know the size and weight your tubing equipment can carry. It is also important to know if the manufacturer has any recommendations for age limits, the number of riders, or safe towing speeds.
  • Make sure the tow line is secure. Always double-check the tow line to confirm it is securely tightened before you take off. If you see any signs of wear and tear on the rope, it needs to be replaced. Don't risk it!
  • Designate a spotter. Since the boat driver is focusing on the water ahead, choose another passenger who can watch the rider and communicate with the driver. The spotter will look out for accidents and let the driver know when someone falls off the tube. It is also a good idea for the spotter and rider to go over hand signals for speeding up, slowing down, and stopping.
  • Consult the tube rider before you start. The driver and rider should have a chat beforehand so there aren't any surprises on the water. The rider should let the driver know what their limits are and how fast they are comfortable going. If there is more than one person riding, they should know how to position themselves on the tube so their weight is distributed evenly. This will help the ride go a lot smoother!
  • Be cautious around wakes. The driver should always slow the boat down when crossing a wake. Driving through wakes at high speeds can be fun and bouncy, but it puts the rider at risk for serious injuries, especially if they are laying on their stomach.
  • Wear proper safety gear. Regardless of the rider's age and swim level, they need to wear a life jacket. Make sure it's securely fastened so there's no chance it will slip off if they fall into the water.
  • Know your surroundings. During the busy summer months, the water will most likely be packed with other boats. Before you begin tubing, the driver should find an area with open water you can claim for yourself. The entire experience will be a lot safer and more fun for all involved!
​
Lastly, enjoy the thrills and have fun! Tubing is a great family activity because it can be appropriate for all ages, and just as fun as water skiing or wakeboarding. If you've never gone before, I hope your mind is at ease and you feel prepared for what's to come. Stay safe out there!

 Content provided by Foremost.com

*https://www.discoverboating.com/resources/water-tubing-tips-boat-safety-tips-for-water-sports-tubing
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Mother's Day traditions around the world

5/9/2025

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Different countries celebrate Mother's Day with unique traditions that highlight the importance of mothers. 

In Mexico, "Día de las Madres" is on May 10th, where families gather to sing, prepare special meals, and often hire mariachis to serenade their mothers.

In Thailand, Mother's Day coincides with Queen Sirikit's birthday on August 12th. People honor their mothers by wearing blue and giving jasmine flowers to symbolize love and respect.

Ethiopia celebrates Mother's Day as part of "We'Met," a multi-day festival filled with food, singing, and dancing to strengthen family ties.

In the UK, "Mothering Sunday" originated from attending church and has evolved into a day of gift-giving and family meals to honor mothers.

In Japan, Mother’s Day falls on the second Sunday in May, with red carnations given as symbols of purity and love, often accompanied by heartfelt letters from children. 

These traditions showcase the universal appreciation for mothers while reflecting each culture's unique values.

No matter where or how you celebrate Mother's Day, may it be a wonderful tradition for the whole family. Honor the memories of those gone, and celebrate the mothers that are still with us.

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​The Kentucky Derby: A Celebration of Tradition and Excitement

5/3/2025

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Every first Saturday in May, the world turns its eyes to Louisville, Kentucky, for the thrilling spectacle of the Kentucky Derby. Known as "The Most Exciting Two Minutes in Sports," this prestigious horse race has captivated audiences since its inception in 1875. The Kentucky Derby is not just about the race; it’s an entire experience steeped in tradition. 

The event kicks off with the "Run for the Roses," named for the iconic garland of roses awarded to the winning horse. Attendees are encouraged to don their best attire, and the elaborate hats worn by many women have become a timeless and delightful part of the Derby experience. 

Aside from the fashion and festivities, the Derby serves as a showcase for some of the finest thoroughbreds in horse racing. The road to the Derby includes a series of qualifying races, where horses vie for points to secure their spot in this elite event. Once the gates open, spectators and fans hold their breath as they watch these incredible athletes thunder down the track, each vying for glory. 

The atmosphere at Churchill Downs is electric, with live music, delicious food, and, of course, the chance to experience the thrill of betting on your favorite horse. Whether you’re a seasoned racing fan or a newcomer to the sport, the Kentucky Derby offers something for everyone. As the excitement wraps up each year, the Derby reminds us of the rich heritage of horse racing and the joys of community celebration. 

Whether you attend in person or watch from home, the Kentucky Derby continues to be a cherished tradition that unites fans in the heart of springtime. So, mark your calendars and get ready for a day filled with speed, style, and unforgettable moments!
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Staying weather aware during spring storm season

4/27/2025

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As spring rolls in, many of us welcome the warmer temperatures and blooming flowers. However, this season also brings the potential for severe storms. To ensure safety and preparedness, it's essential to stay weather aware during spring storm season.

First, keep an eye on the weather forecasts. Utilize reliable sources, such as local news stations or weather apps, to receive updates on potential storm warnings. Understanding the different types of alerts—such as watches, warnings, and advisories—can equip you with the knowledge to act swiftly if conditions worsen.

Second, consider creating an emergency plan for your family. Identify safe locations in your home, such as a basement or an interior room away from windows, and plan how to reach them during a storm. Familiarize everyone in your household with the plan and conduct practice drills, particularly if you have children.

Also, be prepared with an emergency kit stocked with flashlights, batteries, non-perishable food, water, and a first-aid kit. Having these items ready can make a significant difference in the case of power outages or if you find yourself stuck indoors.

Last, stay connected. If severe weather threatens your area, don’t hesitate to reach out to friends, family, or neighbors, especially those who may need assistance. Sharing information and checking in on one another can help create a supportive community during challenging times.

By staying informed, preparing in advance, and looking out for each other, we can navigate the spring storm season safely. Remember, it’s always better to be safe than sorry!
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The Dangers of Distracted Driving: Staying Focused on the Road

4/21/2025

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In today’s fast-paced world, it’s too easy to let distractions invade our time behind the wheel. Distracted driving is a growing concern that poses a significant risk not only to the driver but also to passengers and others on the road. As technology becomes more embedded in our daily lives, understanding the dangers and consequences of distracted driving is more important than ever.

What is Distracted Driving?

Distracted driving refers to any activity that diverts attention from driving. This includes using your phone to text or call, eating and drinking, adjusting the radio, or even having a conversation with passengers. According to the National Highway Traffic Safety Administration (NHTSA), over 390,000 injuries occur each year due to accidents involving texting while driving.

Why It Matters

The consequences of distracted driving can be severe. In 2021 alone, nearly 3,500 lives were lost due to accidents caused by distractions. A moment of inattention can lead to devastating outcomes, affecting not just the distracted driver but also innocent people on the road.

Tips to Stay Focused

1. **Put Your Phone Away: ** If possible, silence your phone and store it out of reach. Use apps that block notifications while driving to minimize temptation.

2. **Plan Ahead: ** Before getting on the road, set your GPS, adjust your music, and ensure everything you need for your trip is within reach.

3. **Limit Passenger Distractions: ** Encourage passengers to keep conversations light and avoid engaging in activities that could distract you while driving.

4. **Stay Calm: ** If you 're feeling stressed or anxious, take a moment to breathe and focus on the road. Pull over safely if you need to regroup.

5. **Educate Others: ** Share knowledge about the dangers of distracted driving with friends and family. Raising awareness can help create a culture of safer driving practices.

Distracted driving is a preventable hazard that demands our attention. By staying focused behind the wheel, we can protect ourselves and others on the road. Let’s commit to safer driving habits and help reduce the alarming statistics around distracted driving. Remember, when you operate a motor vehicle, nothing should divert your attention from the road ahead. Safe travels!
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Embracing Spring's Fresh Start by Reassessing Your Insurance Needs

4/15/2025

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As the vibrant colors of spring begin to blossom, it’s the perfect season for renewal and fresh starts. Beyond revitalizing our gardens and cleaning out our homes, spring offers an ideal opportunity to reassess one of the most essential aspects of our lives: our insurance needs. Just as we embrace growth and change in our surroundings, we should also take time to evaluate our coverage to ensure it aligns with our current circumstances. 

Why Assess Your Insurance Needs?

Life is full of transitions—new jobs, marriages, births, or even the purchase of a home. These changes can significantly impact your financial landscape and, consequently, your insurance requirements. Failing to periodically review your policies might leave you underinsured, overpaying, or worse, without adequate protection. Spring gives us a chance to reflect and make necessary adjustments to safeguard our future.

Key Areas to Consider

1. **Life Events:** Major life changes should prompt a thorough review of your insurance. For instance, if you recently welcomed a child, you may need to increase your life insurance or consider a new health plan to include your growing family. Similarly, marriage or divorce may lead to adjustments in both life and property insurance.

2. **Asset Changes:** Have you recently bought or sold valuable assets like a car or home? It’s crucial to update your insurance policies to reflect these changes. Additionally, consider whether you need additional coverage for new assets, such as jewelry or electronic devices.

3. **Health Changes:** As we age or experience health changes, our insurance needs may evolve. Review your health insurance plan to ensure it covers all necessary medical services. If you’ve developed a chronic condition, for example, you may need a plan with wider network coverage or better prescription benefits.

4. **Coverage Gaps:** Spring cleaning isn’t just for your home; it’s also time to clean up any gaps in your insurance coverage. Assess whether your current policies adequately protect you from risks like natural disasters, liability claims, or other unforeseen events. 

5. **Changing Financial Priorities:** Your financial goals may shift over time. If you are saving for retirement, the policies you had in place as a newlywed might not align with your current financial plans. Reevaluate life insurance and investment policies to ensure they still fit your financial strategy.

Steps to Reassess Your Insurance Needs

1. **Conduct a Policy Review:** Gather all your current insurance policies—home, auto, health, life, and any others. Take note of the coverage limits, deductibles, and premiums.

2. **Identify Changes:** Reflect on the life events and changes that have occurred since your last review. Make a list of any new priorities, assets, or needs that should be addressed in your insurance.

3. **Consult an Agent:** Don’t hesitate to reach out to an insurance agent for guidance. They can help clarify complicated terms and suggest coverage options tailored to your current circumstances.

4. **Compare Policies:** Take this opportunity to shop around. Comparing insurance providers can reveal better coverage options at competitive rates. Online tools and resources make this process easier than ever.

5. **Update Your Coverage:** After evaluating your needs and considering new options, update your policies accordingly. Ensure that all changes are documented and confirm that you understand your new coverage.

As we enjoy the renewal that spring brings, let’s not forget to reassess the things that protect us. Embracing a fresh start with your insurance needs allows you to better safeguard your future and bring peace of mind. Whether it’s through enhancing your coverage or eliminating unnecessary costs, taking the time for this important reassessment can lead to greater financial security.

Spring into action and review your insurance needs today! By doing so, you'll not only protect what you have but also prepare for the exciting changes yet to come.
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What Does Full Hook Up Mean at a Campground?

3/28/2025

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What is a full hookup RV site? Let's get straight to it. If a campsite has a full hookup, it means you'll have access to:
  • Water
  • Sewer
  • Electricity
These are typically known as the “big three” of utilities.

You may see that some RV parks say they have "full service" or "full connections." Typically, it all means the same thing.

So, if you see any of those terms, just understand that if you choose to camp at that site, it usually means you'll have access to the "big three."

One important thing to note is that some campsites claim to have a full hookup, and they really mean they have electric and water hookups, with a dump station on site.

Additionally, there are different types of electrical connections, and they may or may not have the one you need.

Once you verify a campsite has a full hookup, you still need to do some extra research to make sure they can meet your specific needs.

What is a partial hookup?
If a campsite has a partial hookup, it means they don't offer one or more of the "big three" utilities.
Typically, they'd offer electricity, but no water, sewer or both.

That said, each site could be different, so you should always do your own research to verify what's available and what's not.

Should I choose a full hookup or a partial hookup?
We can't give you the answer, as it depends on your wants and needs. But we can give you some things to consider:

Full hookup sites can make things easier.
When you're at a full hookup site, you don't need to worry about things like water consumption or a dying RV battery.

All the water and power you need are provided for you.

That means you can focus less on those things, and more on the adventure.

Modern conveniences can change your camping experience.
This is not necessarily good or bad. It all depends on who you are and what type of experience you're looking for.

Location may affect what's available.
For example, some campsites that are close to bodies of water (like a beachfront site) may not offer sewer connections.
​
Only you can determine if you think the tradeoff of a site's location is worth not having a sewer connection.
Happy camping!
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Happy First Day of Spring!

3/20/2025

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How to Keep Mice Out of Your RV

3/12/2025

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You probably don't want to go camping in a camper infested with mice.
They can cause all kinds of trouble, including damaging your furniture or belongings, chewing wires or even getting into your food! Not to mention, they can carry parasites and diseases too. But how you do keep them out?
This article will provide some suggestions.
How to mouse proof a camper.
Before trying to mouse proof your camper, it's important to know how they get in in the first place.
Here are a few places a mouse could squeeze through to nest in your RV:
  • Holes in the floors
  • Cracks in the doors
  • Cracks in the walls
  • Gaps around wires and plumbing
Mice can squeeze through almost any small opening.
Mice are said to have flexible rib cages which allow them to flatten themselves out and fit through small spaces. Typically, if their head can fit through a space, the rest of their body likely can too. Knowing where those openings are in your camper is key to keeping mice out.
Here are some strategies you can use to keep mice out of your camper:

​Close up any access points.

You'll have to examine your entire camper very carefully, both inside and out.
When you find access points, you can close them up with:
  • Steel wool
  • Spray foam
  • Mesh screens
 
Keep your food put away.

This one might be a given, but you should never leave food out if you want to keep mice away.

If you're in your active camping season, it may be too much work to keep taking 100% of your food out every time you leave your camper. But removing anything that you can’t reseal is a good idea.
And sweeping up crumbs off the floor can go a long way.

Use mice deterrents

Mice deterrents are solutions with smells that mice don't like. Some options include:
  • Mothballs
  • Peppermint oil
  • Fabric softener sheets
  • Professionally made products
Professionally made products may work best, but consider doing in-depth research on multiple solutions to determine which one(s) you want to try.
 
Keep it light and bright.

Mice are nocturnal, meaning they enjoy the dark.

You can consider using small nightlights in your RV, to make it less attractive to them. You can also consider having bright lights on the outside of your RV, so they never want to come near in the first place.

Now you know how to keep mice out of campers (or at least how to try), but what if they're already in?

How to get rid of mice in a camper.
Some options include:
  • Mouse traps
  • Rat poison
  • Glue traps
  • A professional exterminator
These methods, like many others, each have pros and cons.
For example, some of the ones listed above can be cruel and even fatal for mice. We recommend using humane mouse traps or calling in a professional exterminator whenever possible.
And of course, you should always do your own in-depth research to decide which one you want to use.

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Women’s History Month - March

3/4/2025

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This March, we’re proud to celebrate Women’s History Month and the 2025 theme: “Moving Forward Together! Women Educating & Inspiring Generations.

See photos below to discover the stories of remarkable women who have made a difference through education, mentorship, and leadership. Their legacies inspire us to keep pushing forward, fostering communities where everyone can thrive.

Let’s honor their courage and commitment as we continue to build a brighter future together.

How are you celebrating Women’s History Month? Share your events or shout-outs in the comments below! 💬
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