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Time now for "The Help Desk," where we get answers to your financial questions. With me right now, Donna Rosato. She's a senior editor at "Money." And Lynnette Khalfani-Cox is a writer for walletpop.com.

Thank you so much for being here with us.

When walking outside 行走在户外时
Take caution against falling objects, such as signs and broken windows. Tools and construction materials can fall down at a construction site. Protect your head with your bag or coat and keep at a distance from tall buildings. Stone walls and pillars can also fall down and are potentially dangerous. 当心坠落的物体，例如广告牌和破碎的窗户。建筑工具和材料有可能从建筑工地跌落。用包或大衣保护自己的头部，和高层建筑保持距离。石墙和柱子也可能会倒塌，从而带来安全隐患。