After years of saving and investing in money-market accounts, you may have noticed that your balance is just not growing like you wish it would. Experts advise that you look at investing in stocks and bonds. Recent years have offered enticing performance, up to five times what you earn on savings,
but not guaranteed.
So, how do you take the plunge, when your every dollar is important, and you cannot afford to risk what you have to grow?
One answer might be a stock mutual fund. It’s a form of saving in which your money will be pooled with others, and a professional manager will purchase a diversified portfolio of stocks. Each investor owns a share of the whole fund, so you get diversification you couldn’t buy with your own small investment capital.
Because the fund is managed by a professional, you should benefit from constant attention. Trading of stocks in the account is done so as to minimize the impact of commissions and other trading costs
Thursday, August 6, 2009
Monday, August 3, 2009
Container Gardens
Not a lot of space for a garden, but looking for some of the fun of planting and enjoying the beauty of a garden? Try something on a small scale by using a container to plant your bright blooms.
Anyone can grow plants in a container, as it is simple to design and plant, and a snap to maintain. Even apartment dwellers can have pots on a balcony or deck to brighten up the view. Containers have the distinct advantage of being moveable to change the look outside your home. They can also be a handy solution for a yard with poor drainage and soil.
The key to successful container gardening is to use a rich soil with manure and peat added, or use a bag of ready made peat-based growing mixture. Make sure there is plenty of good drainage in any container you use, so the plants don’t become water logged after a plentiful rain or watering.
Try using a 16 inch terra-cotta pot and add larger plants for an immediate flower show. Start in the center by setting the plants that work well together in shade or sun. Don’t forget some vinca vines, or ferns to hang over the edge to add some green. Some good choices for container gardens are the ever popular geraniums and impatients. Add some variety by including some dusty miller, salvia, and verbena. Or start with a geranium and add some ivy geranium and several Dahlberg daisies.
A combination of color can make the planter really fabulous, such as several shades of pink with some purple, or plants that carry out a theme of blue and white.
Use your imagination when selecting pots, making sure all have adequate drainage. Different size pots and crocks or strawberry planters and wooden planters can all be used together. Vary the height for interest.
One more tip, don’t forget to water frequently and pinch back the spent flower. Starting a planter garden is a sure fire way to add some color to your life! Have fun with it.
Anyone can grow plants in a container, as it is simple to design and plant, and a snap to maintain. Even apartment dwellers can have pots on a balcony or deck to brighten up the view. Containers have the distinct advantage of being moveable to change the look outside your home. They can also be a handy solution for a yard with poor drainage and soil.
The key to successful container gardening is to use a rich soil with manure and peat added, or use a bag of ready made peat-based growing mixture. Make sure there is plenty of good drainage in any container you use, so the plants don’t become water logged after a plentiful rain or watering.
Try using a 16 inch terra-cotta pot and add larger plants for an immediate flower show. Start in the center by setting the plants that work well together in shade or sun. Don’t forget some vinca vines, or ferns to hang over the edge to add some green. Some good choices for container gardens are the ever popular geraniums and impatients. Add some variety by including some dusty miller, salvia, and verbena. Or start with a geranium and add some ivy geranium and several Dahlberg daisies.
A combination of color can make the planter really fabulous, such as several shades of pink with some purple, or plants that carry out a theme of blue and white.
Use your imagination when selecting pots, making sure all have adequate drainage. Different size pots and crocks or strawberry planters and wooden planters can all be used together. Vary the height for interest.
One more tip, don’t forget to water frequently and pinch back the spent flower. Starting a planter garden is a sure fire way to add some color to your life! Have fun with it.
Friday, July 31, 2009
Sensational Grilled Chicken Salad
Sensational Grilled
Chicken Salad
Marinade
1//4 cup oil
2 tablespoons lime juice
2 tablespoons honey
2 teaspoons chili powder
2 garlic cloves minced
Salad
2 whole chicken breasts, skinned, boned, halved.
4 cups shredded lettuce
1 small tomato, seeded, chopped
1 avocado, peeled, sliced, pitted ripe olives,
Lime wedges
In medium non-metal bowl, combine all marinade ingredients; blend well. Add chicken; turn to coat. Cover; refrigerate 1-2 hours, turning occasionally. Heat grill. When ready to barbecue, place chicken on gas grill over medium heat or on charcoal grill 4-6 inches from medium-high coals. Cook 15-20 minutes or until chicken is fork tender and juices run clear, turning once and brushing occasionally with marinade.
To serve, cut chicken into strips. Place 1 cup lettuce on each of 4 plates. Top each with chicken, tomato, avocado and olives. Just before serving, lightly squeeze fresh lime juice over each salad. 4 servings.
Thursday, July 30, 2009
8 Ways to Stretch the Almighty Dollar
1) Cut your car insurance by increasing your deductible.
2) Check into dropping your mortgage insurance if your balance is low enough.
3) If you’re salaried, take your next raise and direct it to an RRSP or other retirement plan.
4) Save for college by having kids earn on their savings,or open a Trust Fund account in their name at your local bank.
5) Spend twenty minutes per week staying up on your financial options.
6) Invest some of your cash in stocks, bonds, or stock mutual funds.
7) If you don’t need it, don’t buy it. If you can’t pay for it, then don’t buy it, and if you don’t understand it, don’t buy it.
8) Analyze your health care plan. You may be driving a Cadillac when a Chevrolet will do.
2) Check into dropping your mortgage insurance if your balance is low enough.
3) If you’re salaried, take your next raise and direct it to an RRSP or other retirement plan.
4) Save for college by having kids earn on their savings,or open a Trust Fund account in their name at your local bank.
5) Spend twenty minutes per week staying up on your financial options.
6) Invest some of your cash in stocks, bonds, or stock mutual funds.
7) If you don’t need it, don’t buy it. If you can’t pay for it, then don’t buy it, and if you don’t understand it, don’t buy it.
8) Analyze your health care plan. You may be driving a Cadillac when a Chevrolet will do.
Wednesday, July 29, 2009
House Rules: Words to Live By
· If you lay it down, put it away.
· If you eat out of it, wash it.
· If you empty it, fill it up.
· If you lose it, find it yourself.
· If you break it, replace it.
· If you borrow it, put it back where it belongs.
· If it howls or meows, feed it or let it out.
· If you make a mess, clean it up.
· If you turn it on, turn it off.
· If you ask for it, eat it.
· If you open it, close it.
· If it rings, answer it.
· If you wear it, hang it up.
· If you move it, return it.
· If you eat out of it, wash it.
· If you empty it, fill it up.
· If you lose it, find it yourself.
· If you break it, replace it.
· If you borrow it, put it back where it belongs.
· If it howls or meows, feed it or let it out.
· If you make a mess, clean it up.
· If you turn it on, turn it off.
· If you ask for it, eat it.
· If you open it, close it.
· If it rings, answer it.
· If you wear it, hang it up.
· If you move it, return it.
Tuesday, July 28, 2009
How Much to Spend to Increase Curb Appeal
When investing in landscaping, try to get the most bang for the least amount of buck. You never want to spend a huge amount of money on a property if you’re planning on selling in the near future.
The idea is to do whatever is necessary to make the yard look clean and efficient. Buyers want a home that is easy to maintain. Prune the shrubs, keep the grass nicely mowed and green, and possibly add colorful flowers near the entry ways.
Make sure that your yard is not extravagant when compared to the other homes in the neighborhood. A buyer will tend to pay only as much as the other homes in the neighborhood are selling for. Therefore, if you overspend, it is unlikely that you will be able to recover your expenses.
The idea is to do whatever is necessary to make the yard look clean and efficient. Buyers want a home that is easy to maintain. Prune the shrubs, keep the grass nicely mowed and green, and possibly add colorful flowers near the entry ways.
Make sure that your yard is not extravagant when compared to the other homes in the neighborhood. A buyer will tend to pay only as much as the other homes in the neighborhood are selling for. Therefore, if you overspend, it is unlikely that you will be able to recover your expenses.
Monday, July 27, 2009
Creative Vegetable Gardens
If you wish to have a garden, but don’t feel you have the room, look again. A sloped hill which is hard to mow works great when planted in the wide row method. This strategy means to plant in three foot wide rows of the same or mixed plants.
Consider making a strip garden in the middle of the lawn. A small area around the drive way or deck could be used to plant.
Containers provide an excellent way to grow vegetables. Make sure these plants get frequent waterings.
Think about growing climbing vegetables in a long rectangular box and using the deck railing as a pole support.
Use one of these great methods and you can have a great vegetable garden in no time!
Consider making a strip garden in the middle of the lawn. A small area around the drive way or deck could be used to plant.
Containers provide an excellent way to grow vegetables. Make sure these plants get frequent waterings.
Think about growing climbing vegetables in a long rectangular box and using the deck railing as a pole support.
Use one of these great methods and you can have a great vegetable garden in no time!
Friday, July 24, 2009
Cateror`s Secrets to a Great Get Together
Do you love the thought of having friends and family over, but cringe at the thought of what to serve? Consider these great tips from the party masters. They’ll make your next get together an even bigger hit with the critics and you!
First of all, think light. More than ever, people are watching their weight and the amount of fat they consume. Use no-fat salsa instead of dips. Use turkey breast, instead of steak. Or for the grill, offer chicken for those watching their weight, and fix barbecued ribs for those who prefer beef, or pork.
Another great tip is to use filo. Butter and stack filo pastry sheets to make exciting wrappers and shells for baked appetizers and foods. The most important rule for any get together is to have plenty of appetizers.
One of my favorite appetizers is stuffed potatoes. Little stuffed potatoes with sour cream and vegetable toppings are a big hit. Another great appetizer, that always goes over well, is Rumaki (bacon wrapped water chestnuts).
One final word of advice, by planning your party you reduce stress and make it fun for you too. That’s the idea!
First of all, think light. More than ever, people are watching their weight and the amount of fat they consume. Use no-fat salsa instead of dips. Use turkey breast, instead of steak. Or for the grill, offer chicken for those watching their weight, and fix barbecued ribs for those who prefer beef, or pork.
Another great tip is to use filo. Butter and stack filo pastry sheets to make exciting wrappers and shells for baked appetizers and foods. The most important rule for any get together is to have plenty of appetizers.
One of my favorite appetizers is stuffed potatoes. Little stuffed potatoes with sour cream and vegetable toppings are a big hit. Another great appetizer, that always goes over well, is Rumaki (bacon wrapped water chestnuts).
One final word of advice, by planning your party you reduce stress and make it fun for you too. That’s the idea!
Thursday, July 23, 2009
Selecting a Mutual Fund
Start by selecting a fund that feels right. Money magazine and other financial publications offer dozens of funds, analyzed by performance. You can call the fund directly using their toll free number, or you may wish to talk with a stock broker to get her input.
Funds are available with ‘load’ or ‘no load’ options. The ‘load’ funds have a commission of say 5% paid out of your initial deposit. The alternative is to choose ‘no load’ funds. These funds have to pay the brokers, and it is reflected in overall performance. However, most studies comparing the two find little difference in overall performance.
Different funds have different objectives. Some seek growth with a higher degree of risk and little current income. Others will seek dividend income now, but with less risk. Which is best for you? It depends on your overall objective. Do be sure to look at a minimum of five years past performance though. You are interested in long term.
Funds are available with ‘load’ or ‘no load’ options. The ‘load’ funds have a commission of say 5% paid out of your initial deposit. The alternative is to choose ‘no load’ funds. These funds have to pay the brokers, and it is reflected in overall performance. However, most studies comparing the two find little difference in overall performance.
Different funds have different objectives. Some seek growth with a higher degree of risk and little current income. Others will seek dividend income now, but with less risk. Which is best for you? It depends on your overall objective. Do be sure to look at a minimum of five years past performance though. You are interested in long term.
Wednesday, July 22, 2009
How to Start a Babysitting Co-op
First, gather a list of interested parents. Invite them to an organizational meeting and discuss the following: the size of the group, membership requirements, election of officers, how often you will meet, dues needed to pay for supplies, guidelines for handling emergencies, sick children and late pick ups.
Next, you will need to establish an exchange system. Consider a ticket system. Authorize an established number of tickets per child, per hour. Determine the number of tickets the average person will need per month and distribute.
It would also be a good idea to appoint a secretary that can establish a system for personal record-keeping for each child. Include allergies, doctor’s name and number, emergency information, etc. Once, the baby-sitting co-op is in place, kick back and enjoy a night out in comfort. You deserve it.
Next, you will need to establish an exchange system. Consider a ticket system. Authorize an established number of tickets per child, per hour. Determine the number of tickets the average person will need per month and distribute.
It would also be a good idea to appoint a secretary that can establish a system for personal record-keeping for each child. Include allergies, doctor’s name and number, emergency information, etc. Once, the baby-sitting co-op is in place, kick back and enjoy a night out in comfort. You deserve it.
Tuesday, July 21, 2009
Where do Remodelling Dollars Pay Off the Most
It’s a proven fact that certain home improvement projects pay off when it comes time to sell, while others do not. If you’re looking into doing some remodeling to improve your home’s appeal now, don’t forget to take into account which projects will make a difference if you sell in the future.
Kitchen and bath improvements are high on the list of what buyers are willing to pay more for. Also, additions such as sunrooms are very popular. Try not to do anything that would be considered extreme or outrageous. Homes with very unique tastes are usually hard to find the right buyer for later.
Repainting in more neutral colors almost always pays off, and adding on a new deck is a good investment as long as the costs are not too unreasonable.
If a remodeling project is done by a professional, it is worth more in the long run. Ask your neighbors for recommendations of contractors that they’ve used, or give me a call for my list of people.
A good rule of thumb is to confine your total remodeling expenses to 10% of the homes estimated value. If you stay within this figure and plan wisely, you’ll most likely recoup most of your investment.
Kitchen and bath improvements are high on the list of what buyers are willing to pay more for. Also, additions such as sunrooms are very popular. Try not to do anything that would be considered extreme or outrageous. Homes with very unique tastes are usually hard to find the right buyer for later.
Repainting in more neutral colors almost always pays off, and adding on a new deck is a good investment as long as the costs are not too unreasonable.
If a remodeling project is done by a professional, it is worth more in the long run. Ask your neighbors for recommendations of contractors that they’ve used, or give me a call for my list of people.
A good rule of thumb is to confine your total remodeling expenses to 10% of the homes estimated value. If you stay within this figure and plan wisely, you’ll most likely recoup most of your investment.
Monday, July 20, 2009
Raised Bed Gardening
Do you long for some color around your house, but need a garden without a lot of maintenance? Consider creating a raised - bed garden against the house or near a property line. You will add three seasons of color and some low maintenance landscaping.
You can start small by spreading 12 inches of dirt, holding it in place with rocks. Start by planting from low to high so the bed rises in tiers and every plant shows well. Annuals can be mixed with perennials to keep the bed in flowers. Set the plants fairly close together at the start so the bed fills in fast.
You may need to divide the plants as they grow, but you will have a lot less weeding. You can also reduce weeds by spreading mulch on the new bed. Now just water, fertilize, and pick off the dead flowers and you will have a garden looking its best in no time!
You can start small by spreading 12 inches of dirt, holding it in place with rocks. Start by planting from low to high so the bed rises in tiers and every plant shows well. Annuals can be mixed with perennials to keep the bed in flowers. Set the plants fairly close together at the start so the bed fills in fast.
You may need to divide the plants as they grow, but you will have a lot less weeding. You can also reduce weeds by spreading mulch on the new bed. Now just water, fertilize, and pick off the dead flowers and you will have a garden looking its best in no time!
Friday, July 17, 2009
BBQ`d Ribs - A Backyard Favorite
Barbecued Ribs have long been a back yard favorite. Choose one of the ways listed here for succulent hickory smoked ribs your whole family will love.
Start by allowing 1 pound loin back pork ribs or 3/4 pound country style loin ribs per person. Cut into serving pieces; remove any excess fat. Place in large skillet or Dutch oven; pour 1 (3 1/2 oz.) bottle liquid smoke and 2 cups cold water over ribs. Cover and steam over moderate heat 20 - 25 minutes. Drain.
To Grill:
Grill drained ribs 3 inches from moderate coals 20 minutes, turning once. Brush with barbecue sauce (below); continue grilling until ribs are done, 20 - 30 minutes, basting often with sauce.
To Cook on Rotisserie:
Lace or weave drained ribs onto rotisserie rod, balancing ribs for even cooking and turning; secure ends with holding forks. Arrange medium hot coals at back of firebox; place drip pan under ribs. Cook ribs until done, about 1 hour, basting frequently with barbecue sauce.
To Bake
Arrange drained ribs in a single layer in a shallow baking pan. Spread with barbecue sauce. Bake, covered, in a 325F oven until tender, about 1 hour.
Down Home
Barbecue Sauce
1 cup catsup
1/2 cup lemon juice
1 teaspoon chili powder
1/4 teaspoon onion powder
1/4 teaspoon garlic powder
1/3 cup packed brown sugar
Combine all ingredients in saucepan.
Simmer 15 minutes.
Start by allowing 1 pound loin back pork ribs or 3/4 pound country style loin ribs per person. Cut into serving pieces; remove any excess fat. Place in large skillet or Dutch oven; pour 1 (3 1/2 oz.) bottle liquid smoke and 2 cups cold water over ribs. Cover and steam over moderate heat 20 - 25 minutes. Drain.
To Grill:
Grill drained ribs 3 inches from moderate coals 20 minutes, turning once. Brush with barbecue sauce (below); continue grilling until ribs are done, 20 - 30 minutes, basting often with sauce.
To Cook on Rotisserie:
Lace or weave drained ribs onto rotisserie rod, balancing ribs for even cooking and turning; secure ends with holding forks. Arrange medium hot coals at back of firebox; place drip pan under ribs. Cook ribs until done, about 1 hour, basting frequently with barbecue sauce.
To Bake
Arrange drained ribs in a single layer in a shallow baking pan. Spread with barbecue sauce. Bake, covered, in a 325F oven until tender, about 1 hour.
Down Home
Barbecue Sauce
1 cup catsup
1/2 cup lemon juice
1 teaspoon chili powder
1/4 teaspoon onion powder
1/4 teaspoon garlic powder
1/3 cup packed brown sugar
Combine all ingredients in saucepan.
Simmer 15 minutes.
Thursday, July 16, 2009
Goal Setting for Every Type of Family
· Establish an emergency fund of cash that is equal to 3-6 months of pay.
· Start saving for college. Any little bit helps. At 7% interest, money doubles every ten years. So by starting when kids are young, you can make one dollar at their birth worth $2 at age 7, $4 at age 14, and $8 at age 21.
· Buy term life insurance for at least twice your mortgage amount. More is better, especially if you have more than one child. A $200,000 policy for a 35 year old male costs about $200 a year. Your objective is to be sure that the mortgage would be paid, that living expenses would be available for a period of transition, and there would be a downpayment made on the children’s education. Some planners suggest much more insurance, knowing that in a one income family the other parent would need time to train, seek a job, etc.
· As your children get to age 14 and beyond, you may wish to encourage after - school employment. Not just for the character building potential, but because they can earn thousands of dollars without paying federal income tax. (see your accountant)
Single / Single Parent
· Set aside three months take home pay for your emergency fund. If you are a single parent you’ll want to strive for six months on hand.
· As you accumulate savings, look for mutual funds or other alternatives to provide a higher return than money market accounts, with measured risk. If you are a single parent, decide when to start saving for college. As little as fifty dollars per month in a savings account can make a big difference. Ask your banker.
· Protect your credit rating. Perfect credit will be helpful in moving, refinancing, or even obtaining a credit line or home improvement loan, when needed. If you have recently divorced you will want to open accounts in your own name with credit cards, department stores, and credit unions.
· Check your homeowner’s insurance to be sure you have sufficient coverage to replace your belongings. “Replacement cost” coverage is preferred.
· Collect child support if you’re entitled to it. For information on your right to child support contact BC Child Support Info Line at 1-888-216-2211 or go to wwwhsd.gov.bc.ca.
Two Income Families
Buy a home or a second home, if appropriate. The wealth created though long term ownership of real estate is unmatched. The tax deductible nature of your real estate payments make for another bonus.
Use and maximize your RRSP’s, or other retirement options. As much as retirement seems far off in the future, it is coming. Anything you can do now can make a big difference in 20 to 30 years.
Empty Nesters
Maximize your savings for retirement
Consider reducing your life insurance if your mortgage is paid off.
Triple check your long-term health care insurance options while you’re still healthy.
Check your Canadian Pension Plan and/or Old Age Security benefits by filling out the proper forms. Call 1-800-277-9914 to get the form.
· Start saving for college. Any little bit helps. At 7% interest, money doubles every ten years. So by starting when kids are young, you can make one dollar at their birth worth $2 at age 7, $4 at age 14, and $8 at age 21.
· Buy term life insurance for at least twice your mortgage amount. More is better, especially if you have more than one child. A $200,000 policy for a 35 year old male costs about $200 a year. Your objective is to be sure that the mortgage would be paid, that living expenses would be available for a period of transition, and there would be a downpayment made on the children’s education. Some planners suggest much more insurance, knowing that in a one income family the other parent would need time to train, seek a job, etc.
· As your children get to age 14 and beyond, you may wish to encourage after - school employment. Not just for the character building potential, but because they can earn thousands of dollars without paying federal income tax. (see your accountant)
Single / Single Parent
· Set aside three months take home pay for your emergency fund. If you are a single parent you’ll want to strive for six months on hand.
· As you accumulate savings, look for mutual funds or other alternatives to provide a higher return than money market accounts, with measured risk. If you are a single parent, decide when to start saving for college. As little as fifty dollars per month in a savings account can make a big difference. Ask your banker.
· Protect your credit rating. Perfect credit will be helpful in moving, refinancing, or even obtaining a credit line or home improvement loan, when needed. If you have recently divorced you will want to open accounts in your own name with credit cards, department stores, and credit unions.
· Check your homeowner’s insurance to be sure you have sufficient coverage to replace your belongings. “Replacement cost” coverage is preferred.
· Collect child support if you’re entitled to it. For information on your right to child support contact BC Child Support Info Line at 1-888-216-2211 or go to wwwhsd.gov.bc.ca.
Two Income Families
Buy a home or a second home, if appropriate. The wealth created though long term ownership of real estate is unmatched. The tax deductible nature of your real estate payments make for another bonus.
Use and maximize your RRSP’s, or other retirement options. As much as retirement seems far off in the future, it is coming. Anything you can do now can make a big difference in 20 to 30 years.
Empty Nesters
Maximize your savings for retirement
Consider reducing your life insurance if your mortgage is paid off.
Triple check your long-term health care insurance options while you’re still healthy.
Check your Canadian Pension Plan and/or Old Age Security benefits by filling out the proper forms. Call 1-800-277-9914 to get the form.
Wednesday, July 15, 2009
Fire Safety in the Home
If you haven’t taken the time to discuss fire safety with your family, then you really should. Here are some of the rules of fire safety your family needs to know.
1) Install smoke detectors on each level of your home and outside of each sleeping area.
2) Test batteries in smoke detectors and change them every six months. If you change them when you change the time on your clocks it will make it easier for you to remember.
3) Have an escape plan and practice it. This is the most important thing for all ages. In an emergency you will instinctively do what you know, and you will know what you have been practicing.
4) If you encounter smoke, try an alternate route and crawl on your hands and knees. You should always have 2 ways out of every room.
5) Don’t open a door if it feels hot. If it feels cool, brace your shoulder against it and open it slowly. If you see smoke, close the door and escape through a window or alternate route.
6) If your clothes catch on fire, STOP, DROP, and ROLL.
7) Once you’re out, stay out!
1) Install smoke detectors on each level of your home and outside of each sleeping area.
2) Test batteries in smoke detectors and change them every six months. If you change them when you change the time on your clocks it will make it easier for you to remember.
3) Have an escape plan and practice it. This is the most important thing for all ages. In an emergency you will instinctively do what you know, and you will know what you have been practicing.
4) If you encounter smoke, try an alternate route and crawl on your hands and knees. You should always have 2 ways out of every room.
5) Don’t open a door if it feels hot. If it feels cool, brace your shoulder against it and open it slowly. If you see smoke, close the door and escape through a window or alternate route.
6) If your clothes catch on fire, STOP, DROP, and ROLL.
7) Once you’re out, stay out!
Tuesday, July 14, 2009
The Scent of Your Home is Important to Buyers
How a home smells when a potential buyer comes to see it for the first time, can make or break the sale. Imagine for yourself the difference between the scent of fresh cut flowers and the smell of a cat’s litter box.
My experience with showing various homes over the years suggests that foul smelling odors do turn off a buyer from purchasing an otherwise perfect home. Even homes that are very attractive, with great curb appeal, can be overlooked by buyers if they fail the sniff test!
It is important when preparing for a showing of your home to do everything you can to eliminate unpleasant odors. Common odors to look out for are cigarette or cigar smoke, strong smelling foods, mothballs, pet odors, and the smell of trash left in receptacles.
Take whatever action is necessary to remove all of the above mentioned odors, and replace them with pleasant scents. Some fresh cut flowers placed strategically throughout the house, or mild potpourri could be used. One more tip, consider baking cookies or something with a cinnamon fragrance before an open house or showing. Everyone loves the scent of Mom’s home cooking!
My experience with showing various homes over the years suggests that foul smelling odors do turn off a buyer from purchasing an otherwise perfect home. Even homes that are very attractive, with great curb appeal, can be overlooked by buyers if they fail the sniff test!
It is important when preparing for a showing of your home to do everything you can to eliminate unpleasant odors. Common odors to look out for are cigarette or cigar smoke, strong smelling foods, mothballs, pet odors, and the smell of trash left in receptacles.
Take whatever action is necessary to remove all of the above mentioned odors, and replace them with pleasant scents. Some fresh cut flowers placed strategically throughout the house, or mild potpourri could be used. One more tip, consider baking cookies or something with a cinnamon fragrance before an open house or showing. Everyone loves the scent of Mom’s home cooking!
Monday, July 13, 2009
Carefree Perennial Gardens
Designing a perennial garden to accent your home and bring a bloom of color to the garden is well worth the investment of time and money. A well designed perennial garden can eventually be almost maintenance-free after it is established. What a wonderful reward to have those shoots of green peeking out of the ground after a long cold winter.
Choose perennials that will guarantee a season-long show of color by laying out a design on paper before planting. Consider the size of the garden, taking into account factors such as lawn size, shrubbery, the formal or informal look, and where the garden will be viewed.
You might want to consider a bed which stands alone in a large open area. Most people prefer to plant a border along a house, fence or walkway. The border will soften the lines between building and lawn and lend a dash of color and interest as well.
Choosing which plants to buy can be an overwhelming task if you arrive at the nursery unprepared. The primary requirements of the plants must match the soil, light and climate conditions of your garden. Ask for assistance if you are unfamiliar with the best plants for your area.
If you are a beginner you may want to start with the “cottage garden” look, which is essentially for people who don’t want something highly organized. Plants are added to suit the taste of the gardener.
The most important thing is to choose the plants that you love without regard to right and wrong. The effect will be a kaleidescope of color as the true cottage garden has a casual but charming appearance.
The nice thing is if you plant something and want to change it, you can even move perrenials to a new location the next year. So just get started and begin seeing the rewards in a blooming way!
Choose perennials that will guarantee a season-long show of color by laying out a design on paper before planting. Consider the size of the garden, taking into account factors such as lawn size, shrubbery, the formal or informal look, and where the garden will be viewed.
You might want to consider a bed which stands alone in a large open area. Most people prefer to plant a border along a house, fence or walkway. The border will soften the lines between building and lawn and lend a dash of color and interest as well.
Choosing which plants to buy can be an overwhelming task if you arrive at the nursery unprepared. The primary requirements of the plants must match the soil, light and climate conditions of your garden. Ask for assistance if you are unfamiliar with the best plants for your area.
If you are a beginner you may want to start with the “cottage garden” look, which is essentially for people who don’t want something highly organized. Plants are added to suit the taste of the gardener.
The most important thing is to choose the plants that you love without regard to right and wrong. The effect will be a kaleidescope of color as the true cottage garden has a casual but charming appearance.
The nice thing is if you plant something and want to change it, you can even move perrenials to a new location the next year. So just get started and begin seeing the rewards in a blooming way!
Friday, July 10, 2009
The 3 Most Important Factors on Your Vacation
It’s not just a real estate truth. The three most important factors are location, location, location. It’s true on your vacation.
When in Orlando, see Disney World, but what about the rest of the state? Naples and Sanibel are as close to the tropics as you can get, all within a few hours drive. The question is, will it cost $300 a night or more for the family to stay in a safe, comfortable, and ‘spacious lodging?’ Not if you go exploring.
One family found that by planning ahead and reviewing a few travel magazines they could come upon a private hideaway for less than $700 per week. When the owner asked them how long they were staying, they said that depended on the price.
He asked them how much they had to spend, and when they answered about $500, the owner agreed to let them stay for a week for just $500.
Granted it took a few phone calls and some detective work, but they were prepared to go without, do without, or do different. As a result they discovered a special place that most of us would miss.
They did their research in the local papers in the destination they wanted to visit, and they started early. If you’re a family that only has a few days and very little flexibility, then
By keeping your options open, you give yourself the chance to take advantage of little known hideaways and special opportunities like my lucky friends.
Another idea to make your next vacation fun is to identify two or three locations, some loose parameters, and to do the most investigating you can. Then ‘roll the dice.’ Wherever you are, you ultimately are responsible for making your own fun, right?
One experienced traveler said that by planning trips up to a year in advance, the whole family could plan, anticipate, and become enthusiastic about the trip. Afterward, by sharing pictures, diaries, and favorite experiences; they were able to re-live the trip without leaving home.
Consider these ideas to help you plan a great trip, and don’t forget the video camera. Someday these memories will be priceless.
When in Orlando, see Disney World, but what about the rest of the state? Naples and Sanibel are as close to the tropics as you can get, all within a few hours drive. The question is, will it cost $300 a night or more for the family to stay in a safe, comfortable, and ‘spacious lodging?’ Not if you go exploring.
One family found that by planning ahead and reviewing a few travel magazines they could come upon a private hideaway for less than $700 per week. When the owner asked them how long they were staying, they said that depended on the price.
He asked them how much they had to spend, and when they answered about $500, the owner agreed to let them stay for a week for just $500.
Granted it took a few phone calls and some detective work, but they were prepared to go without, do without, or do different. As a result they discovered a special place that most of us would miss.
They did their research in the local papers in the destination they wanted to visit, and they started early. If you’re a family that only has a few days and very little flexibility, then
starting early is the best bet, up to one year in advance.
If your time is short, and the trip all of a sudden appears as a possibility, try the ‘accidental tourist’ approach. The movie by the same name made the point that you should pack a big bag with everything you need, and then a small bag for essential items, then leave the big bag behind. Why? Because they have toothbrushes where you’re going, and underwear, and most everything else you’d bring in the big bag.
If your time is short, and the trip all of a sudden appears as a possibility, try the ‘accidental tourist’ approach. The movie by the same name made the point that you should pack a big bag with everything you need, and then a small bag for essential items, then leave the big bag behind. Why? Because they have toothbrushes where you’re going, and underwear, and most everything else you’d bring in the big bag.
By keeping your options open, you give yourself the chance to take advantage of little known hideaways and special opportunities like my lucky friends.
Another idea to make your next vacation fun is to identify two or three locations, some loose parameters, and to do the most investigating you can. Then ‘roll the dice.’ Wherever you are, you ultimately are responsible for making your own fun, right?
One experienced traveler said that by planning trips up to a year in advance, the whole family could plan, anticipate, and become enthusiastic about the trip. Afterward, by sharing pictures, diaries, and favorite experiences; they were able to re-live the trip without leaving home.
Consider these ideas to help you plan a great trip, and don’t forget the video camera. Someday these memories will be priceless.
Thursday, July 9, 2009
Protect Your Cash
Here are some more great ways to control your finances and keep your cash:
Join a buying club that offers deep discounts. Buy what you need, and have it on hand, saving late night trips to the expensive quick stop shops. How did they ever get by on those wagon trains to California, without a convenience store?
Remember that the Revenue Canada allows you to take a deduction for donations of clothing, furniture, and miscellaneous items. Whatever they would be worth at a thrift shop is a guide. Simply obtain a receipt, and report it on your taxes. You’ll empty the house of cast off items, get more room in your closet, and help someone less fortunate, while lowering your taxes!
Being fit may require joining a health club, but if you joined and don’t go, it’s time to decide, go or quit. As a half step, some clubs offer off peak or alternate day plans that can help cut the fat out of your budget.
Join a buying club that offers deep discounts. Buy what you need, and have it on hand, saving late night trips to the expensive quick stop shops. How did they ever get by on those wagon trains to California, without a convenience store?
Remember that the Revenue Canada allows you to take a deduction for donations of clothing, furniture, and miscellaneous items. Whatever they would be worth at a thrift shop is a guide. Simply obtain a receipt, and report it on your taxes. You’ll empty the house of cast off items, get more room in your closet, and help someone less fortunate, while lowering your taxes!
Being fit may require joining a health club, but if you joined and don’t go, it’s time to decide, go or quit. As a half step, some clubs offer off peak or alternate day plans that can help cut the fat out of your budget.
Wednesday, July 8, 2009
Great Quotations to Share With Your Children
· Never look down at anyone unless you are helping them up.
· Be kind to unkind people, they need it most.
· Learn to listen - opportunity could be knocking at your door very softly.
· Joyful thoughts create a joyful world.
· As long as you live, keep learning to live.
· Be ‘for things,’ not against things.
· No one fails who does his best.
· Believe in your dreams.
· Always look for the good in people.
· Do what is right rather than what is popular.
· Rejoice in others’ successes, knowing there is plenty for us all.
· Be kind to unkind people, they need it most.
· Learn to listen - opportunity could be knocking at your door very softly.
· Joyful thoughts create a joyful world.
· As long as you live, keep learning to live.
· Be ‘for things,’ not against things.
· No one fails who does his best.
· Believe in your dreams.
· Always look for the good in people.
· Do what is right rather than what is popular.
· Rejoice in others’ successes, knowing there is plenty for us all.
Tuesday, July 7, 2009
How Useful Are Open HousesÉ
Across the country, every Sunday afternoon, open houses are being held. The question is why? Statistics show that less than 3% of buyers who bought property in the last three years bought the property because they saw it at an open house.
Then why are so many open houses still being held? One reason is that sellers still think that agents should hold an open house. Most sellers see open houses as a way to find a buyer for their home. The truth is, open houses do find buyers, but most of the time not for the homeowner that is holding the open house. Buyers meet an agent, and over time, the better agents match the buyers particular needs to exactly the right home.
When a buyer comes through an open house, he may have simply dropped in to take a look without knowing anything about the homes price range or features. Most of the time the house does not fulfill the particular needs of the buyer.
It would be like going to a car dealer and deciding to buy the first car you see, without knowing it’s price, features, or financing options. What’s the chance that you would qualify or that the car would suit your needs? About the same chance that your home would perfectly suit a “drop-in” buyer.
So what’s the other reason open houses are still being held? Open houses are great ways for newer agents to get their feet wet. By holding an open house they meet buyers who might be interested in another property on the market. So don’t be surprised if a more experienced agent refuses to hold an open house on your property. Seasoned agents know what types of advertising and marketing work best, and won’t use your home as an avenue for finding buyers for other agent’s listings.
Then why are so many open houses still being held? One reason is that sellers still think that agents should hold an open house. Most sellers see open houses as a way to find a buyer for their home. The truth is, open houses do find buyers, but most of the time not for the homeowner that is holding the open house. Buyers meet an agent, and over time, the better agents match the buyers particular needs to exactly the right home.
When a buyer comes through an open house, he may have simply dropped in to take a look without knowing anything about the homes price range or features. Most of the time the house does not fulfill the particular needs of the buyer.
It would be like going to a car dealer and deciding to buy the first car you see, without knowing it’s price, features, or financing options. What’s the chance that you would qualify or that the car would suit your needs? About the same chance that your home would perfectly suit a “drop-in” buyer.
So what’s the other reason open houses are still being held? Open houses are great ways for newer agents to get their feet wet. By holding an open house they meet buyers who might be interested in another property on the market. So don’t be surprised if a more experienced agent refuses to hold an open house on your property. Seasoned agents know what types of advertising and marketing work best, and won’t use your home as an avenue for finding buyers for other agent’s listings.
Monday, July 6, 2009
Garden Beauties
Have you been wondering what’s new? Or, what plants are tried and true? There are many recommendations advised by the experts. Here’s just a few that came in on the top of their list.
Two new roses come in ahead of the rest: ‘Carefree Delight,’ a relaxed 5-foot shrub rose, that covers itself with dainty 1-inch single pink flowers. Also, ‘Liven Easy,’ a four foot tall floribunda, blooms in clusters of two to five salmon-pink flowers, each up to 4 inches across.
Both roses flower steadily from late spring through fall and grow well without any spraying to control leaf diseases.
Also recommended is the ‘Oakleaf Hydrangea,’ a two season shrub. It’s one of the few deciduous shrubs that flower well in the shade. If you’d like more great flower and plant picks, talk to your garden center.
Two new roses come in ahead of the rest: ‘Carefree Delight,’ a relaxed 5-foot shrub rose, that covers itself with dainty 1-inch single pink flowers. Also, ‘Liven Easy,’ a four foot tall floribunda, blooms in clusters of two to five salmon-pink flowers, each up to 4 inches across.
Both roses flower steadily from late spring through fall and grow well without any spraying to control leaf diseases.
Also recommended is the ‘Oakleaf Hydrangea,’ a two season shrub. It’s one of the few deciduous shrubs that flower well in the shade. If you’d like more great flower and plant picks, talk to your garden center.
Friday, July 3, 2009
8 Ways to Make an Ordinary Day Special
It’s the little things you do that sometimes make the biggest impression. It’s the special touch that you add that makes the ordinary extraordinary!
Here are a few ideas:
1) Celebrate half birthdays with half a birthday cake.
2) Celebrate your pet’s birthday.
3) Make a tape of a cheering crowd, play it back to a family member that’s done something terrific.
4) Serve sparkling apple juice in wineglasses to toast a family member’s accomplishments.
5) Start a party idea file - refer to it when entertaining.
6) Visit a local farm in the summer and pick your own fruit.
7) Surprise your child by dropping chores for the day and doing something spontaneous together.
8) Plan a ‘this is your life’ celebration for a loved one’s birthday.
Here are a few ideas:
1) Celebrate half birthdays with half a birthday cake.
2) Celebrate your pet’s birthday.
3) Make a tape of a cheering crowd, play it back to a family member that’s done something terrific.
4) Serve sparkling apple juice in wineglasses to toast a family member’s accomplishments.
5) Start a party idea file - refer to it when entertaining.
6) Visit a local farm in the summer and pick your own fruit.
7) Surprise your child by dropping chores for the day and doing something spontaneous together.
8) Plan a ‘this is your life’ celebration for a loved one’s birthday.
Thursday, July 2, 2009
Financial Checkup
Look at Money Magazine or other financial publications to get their list of low cost credit cards. Some lower fee and lower interest rate alternatives are available. They’ll help you cut your costs of credit until you can pay off those cards. Some cards carry interest rates in excess of 21%, and require a minimum payment so low that it could take more than 10 years to repay the balance in full. Begin to double your monthly payments on the credit cards with the highest balances.
Open an RRSP or other retirement account to allow you to build your retirement nest egg. If you already have an account, analyze your investments to be sure you’re in the right place for your risk preference, and your goals. An annual checkup is in order.
If only someone had given us a thousand dollars at birth, and we had kept it invested at 12% (high) for 65 years (long time), we could retire a millionaire. It’s true, and it’s not too late. Pick some of these ideas and take action now!
Open an RRSP or other retirement account to allow you to build your retirement nest egg. If you already have an account, analyze your investments to be sure you’re in the right place for your risk preference, and your goals. An annual checkup is in order.
If only someone had given us a thousand dollars at birth, and we had kept it invested at 12% (high) for 65 years (long time), we could retire a millionaire. It’s true, and it’s not too late. Pick some of these ideas and take action now!
Wednesday, July 1, 2009
Sell Your Home or Become a Landlord
Renting your home out may seem like a great alternative to selling at a lower price than expected, but make sure you consider the financial implications.
If the main idea in renting the house is to move now and sell later, be sure to factor in the costs which may occur when reconditioning the rental home for sale as a residence. Chances are the aggravation of converting your home to a rental will exceed any contribution to costs or profits.
Most importantly, keep in mind that being a landlord can be difficult. Tenants will demand that repairs and home maintenance be kept up with in a timely manner. Expenses can be quite substantial, so be prepared with funds to cover them. Feel free to ask me for more information on sales or rental, anytime!
If the main idea in renting the house is to move now and sell later, be sure to factor in the costs which may occur when reconditioning the rental home for sale as a residence. Chances are the aggravation of converting your home to a rental will exceed any contribution to costs or profits.
Most importantly, keep in mind that being a landlord can be difficult. Tenants will demand that repairs and home maintenance be kept up with in a timely manner. Expenses can be quite substantial, so be prepared with funds to cover them. Feel free to ask me for more information on sales or rental, anytime!
Tuesday, June 30, 2009
Some Guidlines for Selecting a Builder
So you’ve decided that a new home is for you. Make sure you follow some guidelines to make sure you’re happy with the home building process.
Select a reliable builder with a strong reputation in the area that you desire to live in. Try talking to people in the neighborhood about their home building experience. Were they happy with how the process went? Do they feel good about the end result? When you’ve narrowed down which builder you think you’d like to work with, then begin working out the details.
Think through in great detail, exactly what features you would like in your new home. You will prepare a detailed agreement before building, usually referred to as “plans and specifications.” It is easy to have misunderstandings if you are not very specific in this agreement.
Make sure if interest rates are low when the building process begins, that you “lock in” an interest rate. Do not allow any arrangement where the lender may increase the interest rate later if they go up before your home is finished. Also, make sure there is a definite completion date stipulated in your contract.
If there are any improvements or street repairs to be made in the neighborhood, find out in advance whether you or the builder will be responsible.
Keep an eye on how your new home is progressing during the building process. If things don’t seem to be going according to schedule, don’t be afraid to inquire with the builder. If changes are called for that deviate from the original agreement, get a written change order agreement drawn up. This will ensure no surprises at the closing.
If all of this seems like a lot for you to keep track of, call on me first, for help. I can help make sure you are being represented and protected properly. An investment this large deserves special attention to detail.
Select a reliable builder with a strong reputation in the area that you desire to live in. Try talking to people in the neighborhood about their home building experience. Were they happy with how the process went? Do they feel good about the end result? When you’ve narrowed down which builder you think you’d like to work with, then begin working out the details.
Think through in great detail, exactly what features you would like in your new home. You will prepare a detailed agreement before building, usually referred to as “plans and specifications.” It is easy to have misunderstandings if you are not very specific in this agreement.
Make sure if interest rates are low when the building process begins, that you “lock in” an interest rate. Do not allow any arrangement where the lender may increase the interest rate later if they go up before your home is finished. Also, make sure there is a definite completion date stipulated in your contract.
If there are any improvements or street repairs to be made in the neighborhood, find out in advance whether you or the builder will be responsible.
Keep an eye on how your new home is progressing during the building process. If things don’t seem to be going according to schedule, don’t be afraid to inquire with the builder. If changes are called for that deviate from the original agreement, get a written change order agreement drawn up. This will ensure no surprises at the closing.
If all of this seems like a lot for you to keep track of, call on me first, for help. I can help make sure you are being represented and protected properly. An investment this large deserves special attention to detail.
Monday, June 29, 2009
Flowers that Last
A flower that lasts for two to four weeks, even inside in the winter, has got to be popular. The amaryllis, a bulb that produces large, attractive, trump like flowers, is deserving of its reputation for being the easiest to grow of all the bulbs that bloom indoors.
If you visit Holland during the Christmas holidays, you’ll find the amaryllis standing in for the poinsettia as the Christmas flower. The indoor color and ease of growing make it a favorite.
It’s possible to have flowers last two to four weeks, and some growers have even planted multiple bulbs in order to enjoy consecutive flowers. The plants will produce three to five blooms on two stalks, one to two feet tall. The second stalk shoots up just as the first stalk’s flowers fade.
Unusual varieties are available, including miniatures like Scarlet Baby, with small flowers. Miniatures are especially suited for small sitting areas or anywhere space is limited.
Visit your local garden center and you’ll find amaryllis pre-potted or in planting kits. If you choose to purchase the bare-root bulb, follow these instructions: Before planting, place bulb and dangling roots in lukewarm water for several hours. Then place in a pot at least an inch wider than the bulb, leaving room for watering. Allow about a third to half of the top of the bulb to show.
Water sparingly until part of the stem and bud have developed. Water more liberally through the blooming stage, keeping the soil moist.
Amaryllis like a bright, warm room, about 70 degrees. Direct sunlight and a warmer room speed flowering. A cooler room will prolong the blooms.
If you enjoy flowers, keep the bulb growing outdoors, in the shade. Follow instructions for moving back indoors, and with luck, you’ll have blooms again in 4-12 weeks.
If you visit Holland during the Christmas holidays, you’ll find the amaryllis standing in for the poinsettia as the Christmas flower. The indoor color and ease of growing make it a favorite.
It’s possible to have flowers last two to four weeks, and some growers have even planted multiple bulbs in order to enjoy consecutive flowers. The plants will produce three to five blooms on two stalks, one to two feet tall. The second stalk shoots up just as the first stalk’s flowers fade.
Unusual varieties are available, including miniatures like Scarlet Baby, with small flowers. Miniatures are especially suited for small sitting areas or anywhere space is limited.
Visit your local garden center and you’ll find amaryllis pre-potted or in planting kits. If you choose to purchase the bare-root bulb, follow these instructions: Before planting, place bulb and dangling roots in lukewarm water for several hours. Then place in a pot at least an inch wider than the bulb, leaving room for watering. Allow about a third to half of the top of the bulb to show.
Water sparingly until part of the stem and bud have developed. Water more liberally through the blooming stage, keeping the soil moist.
Amaryllis like a bright, warm room, about 70 degrees. Direct sunlight and a warmer room speed flowering. A cooler room will prolong the blooms.
If you enjoy flowers, keep the bulb growing outdoors, in the shade. Follow instructions for moving back indoors, and with luck, you’ll have blooms again in 4-12 weeks.
Friday, June 26, 2009
Tips to Share with Your Kids to Keep Them Safe
Many parents think their kids have learned safety rules in the classroom at school. In most cases this is true, but just to make sure they know what to do, take a few minutes to go over these safety tips.
1) Settle disputes with words, not fists or weapons.
2) Turn off the violence (on TV, in movies, etc.)
3) Do not stand around watching when others are arguing; a group makes a good target for violence.
4) Trust your feelings; if you sense danger, get away fast.
5) Stay well out of reach if approached by someone you don’t know.
6) Never go anywhere with someone you don’t know and trust.
7) Have a family “password” for emergency situations.
8) If someone tries to abuse you, say “NO!,” get away, and tell a trusted adult.
9) Run, Yell, and Tell.
1) Settle disputes with words, not fists or weapons.
2) Turn off the violence (on TV, in movies, etc.)
3) Do not stand around watching when others are arguing; a group makes a good target for violence.
4) Trust your feelings; if you sense danger, get away fast.
5) Stay well out of reach if approached by someone you don’t know.
6) Never go anywhere with someone you don’t know and trust.
7) Have a family “password” for emergency situations.
8) If someone tries to abuse you, say “NO!,” get away, and tell a trusted adult.
9) Run, Yell, and Tell.
Thursday, June 25, 2009
Controling Your Finances with a Plan
For most of us the first step to a bright future is to get control of our finances, and to use a plan to achieve our key objectives. As we get busier, and more transactions are electronic, by mail, by phone, or by ATM, we can lose track of where we are on the financial road map.
This list of suggested activities can help you get back in the seat on the way to your financial destination.
Like a diet requires you keep track of what you eat, in order to cut the fat, you must also track your spending for a month to see where it all goes. This will highlight areas to be targeted for savings.
Create a plan to save 10% off the top of your earnings. “Pay yourself first,” and “part of all I earn is mine to keep,” are key phrases to remind you that you’re entitled to save now for your future.
Put together all your insurance statements and policies and offer them to one or two reputable agents in order to either update coverage, or reduce your costs. Many of us carry too much insurance, in some areas, while we’re dangerously underinsured in others.
Driving a car that is getting older and less valuable, without adjusting your coverage could be an expensive mistake.
This list of suggested activities can help you get back in the seat on the way to your financial destination.
Like a diet requires you keep track of what you eat, in order to cut the fat, you must also track your spending for a month to see where it all goes. This will highlight areas to be targeted for savings.
Create a plan to save 10% off the top of your earnings. “Pay yourself first,” and “part of all I earn is mine to keep,” are key phrases to remind you that you’re entitled to save now for your future.
Put together all your insurance statements and policies and offer them to one or two reputable agents in order to either update coverage, or reduce your costs. Many of us carry too much insurance, in some areas, while we’re dangerously underinsured in others.
Driving a car that is getting older and less valuable, without adjusting your coverage could be an expensive mistake.
Wednesday, June 24, 2009
Nothing Succeeds Like Success
Whether you’re in business, a student, or employed by a business, you need to know what it takes to
be a success. Once you have “arrived” you’ll get kudos from others, get a feeling of pride and
enthusiasm, and you will likely enjoy financial rewards, too.
What does it take to be a success? Thinking of Superman, Truth, Justice, and the American Way
come to mind. Or, ask a Boy Scout and you’ll likely hear a quote from the oath “Be honest,
brave, trustworthy, etc.” If you were asked by a youth, a friend, or a neighbor to give advice on
how to really become a success, what would be your advice?
Top minds have offered suggestions that include what to wear, how to speak, how to overcome
failure and shortcomings, and how to survive in a workplace, public environment, or in a family.
Here are some tips from a father upon dropping his son at college. Here is information we should
all have as a part of our operating manual and life instructions.
1. Be patient with everyone, especially those older than you. When driving, talking, or making
decisions, your elders deserve an extra minute or two. Avoid showing disrespect to your
parents, other people’s parents, and anyone’s grandparents.
2. Know your own shortcomings. Before criticizing anyone’s memory, handwriting,punctuality, or sense of humor, be sure yours are nearly perfect. It’s easy to point our otherpeople’s foibles, but tougher to cure our own. The time you spend improving yourself willreduce the time you’ll spend listening to criticism about you.
3. Never burn the bridges of a relationship or friendship. A disagreement about a few dollars loaned, a birthday forgotten, or a partyinvitation that was lost in the mail should not cause a permanent rift. Forgive now, because you’ll probably forget about it later, anyway. Unhappy families are sometimes more concerned with who was “in the right” than in getting along.
4. Know that you are not a bank. Loaning substantial amounts of money to a friend can result in an unpaid loan, and a lost friend, too.A wise man once suggested that you might loan a friend a small amount that you would be willing to forgive. Otherwise, be prepared to forgive the repayment of a larger amount. Keep your friend, and let them ask someone else for a loan. If you lose your friend because you won’t loan them money, then how good a friend can they be?
5. Be willing to do the things that most important people are not willing to do. Many a business owner in a fine suit has been seen picking up candy wrappers or soda cans in the parking lot of their office or shop. Why? Because no one else did.
6. Be personal and real, even if you don’t have to. Remembering names, birthdays, and taking time to care about people are keys to great men and women. Dale Carnegie said “The sweetest sound in any language is a person’s own name.”
7. Be accepting of other people’s success. Get used to the fact that many people will get promoted, awarded, or complimented. Some of these people may not be as deserving as you are. Support their success, and they’ll be more likely to support yours. Be careful how you handle the people you meet on the way up the ladder, because you’ll meet them again on the way down.
8. Be benevolent. If you have a chance to be nice, do it. If you can be generous, do it. If you have to be tough, give the other person’s
pride a way out. Winners will notice your grace, and everyone will admire your style.
9. Dress for success and to impress. Whatever your customers or co-workers expect, give them that, and a pinch more. Pay attention to your haircut, your shoes and shoeshine, and keep your glasses sparkling clean. Carry a fine quality briefcase, purse, or portfolio and you’ll be glad you did. Your pride and posture will be enhanced by attention to these details. Charles Revson, founder of REVLON cosmetics was known to have dozens of suits in his closet. All navy blue. Why? Because he looked his best in navy.
10. Do as much business by phone or email as you can, and save your meeting time for important issues, or emergencies. Wasting time over coffee, needless meals, or distracted meetings will cut your productivity and your fun factor. Ask if there is a way you can handle an item or decision over the phone or by mail. If you do meet, bring a pen, pad, and your calendar to any meeting so you’re ready to write, schedule, and move on.
11. The more success you have, the more decisions you’ll make. In the process, you’ll make some bad decisions. Accept responsibility for your mistakes, bad decisions, and failures. Boldly admitting your mistakes is the easiest way to be respected. Accept praise, when due. Be appreciative of the recognition. “Thank you” is a good way to acknowledge compliments or praise.
12. When the going gets tough, don’t get going. Stay put. Your resume of work or school experience will be a predictor of future performance. If you jump around at the first obstacle or delay, you will appear to be unstable. Stick it out as long as you can, and give yourself a chance to succeed. Michael Dell made $18,000 selling newspaper subscriptions while a high school senior. If he had failed at that, perhaps there would not be a Dell Computer.
13. Expect to work hard for everything you get. Television and our over-communicated society make it impossible to understand the effort required to earn a living, maintain good credit, and to save or invest for the future. Your impatience with the present has been created by advertising and marketing geniuses. Learn to put in long hours and to get very few easy wins along the way. When you’re given a bonus, a gift, or a promotion you earned, celebrate it! Tiger Woods may be the best golfer in history. However, he’s been playing golf well for over twenty years already. He had talent to start, but discipline, focus and an amazing work ethic are keys for him, and for you.
14. Breathe. Take big breaths when you find yourself stressed, tired, or dealing with a headache. Or take a walk. Whatever is bothering
you will pass. Remember, there are billions of people in the world who don’t even know you exist! Lighten up!
15. Have fun! Success is a journey, not an event! Hopefully your journey won’t be uphill both ways. Keep smiling as you build your career, your family, your hobby, whatever you do!
be a success. Once you have “arrived” you’ll get kudos from others, get a feeling of pride and
enthusiasm, and you will likely enjoy financial rewards, too.
What does it take to be a success? Thinking of Superman, Truth, Justice, and the American Way
come to mind. Or, ask a Boy Scout and you’ll likely hear a quote from the oath “Be honest,
brave, trustworthy, etc.” If you were asked by a youth, a friend, or a neighbor to give advice on
how to really become a success, what would be your advice?
Top minds have offered suggestions that include what to wear, how to speak, how to overcome
failure and shortcomings, and how to survive in a workplace, public environment, or in a family.
Here are some tips from a father upon dropping his son at college. Here is information we should
all have as a part of our operating manual and life instructions.
1. Be patient with everyone, especially those older than you. When driving, talking, or making
decisions, your elders deserve an extra minute or two. Avoid showing disrespect to your
parents, other people’s parents, and anyone’s grandparents.
2. Know your own shortcomings. Before criticizing anyone’s memory, handwriting,punctuality, or sense of humor, be sure yours are nearly perfect. It’s easy to point our otherpeople’s foibles, but tougher to cure our own. The time you spend improving yourself willreduce the time you’ll spend listening to criticism about you.
3. Never burn the bridges of a relationship or friendship. A disagreement about a few dollars loaned, a birthday forgotten, or a partyinvitation that was lost in the mail should not cause a permanent rift. Forgive now, because you’ll probably forget about it later, anyway. Unhappy families are sometimes more concerned with who was “in the right” than in getting along.
4. Know that you are not a bank. Loaning substantial amounts of money to a friend can result in an unpaid loan, and a lost friend, too.A wise man once suggested that you might loan a friend a small amount that you would be willing to forgive. Otherwise, be prepared to forgive the repayment of a larger amount. Keep your friend, and let them ask someone else for a loan. If you lose your friend because you won’t loan them money, then how good a friend can they be?
5. Be willing to do the things that most important people are not willing to do. Many a business owner in a fine suit has been seen picking up candy wrappers or soda cans in the parking lot of their office or shop. Why? Because no one else did.
6. Be personal and real, even if you don’t have to. Remembering names, birthdays, and taking time to care about people are keys to great men and women. Dale Carnegie said “The sweetest sound in any language is a person’s own name.”
7. Be accepting of other people’s success. Get used to the fact that many people will get promoted, awarded, or complimented. Some of these people may not be as deserving as you are. Support their success, and they’ll be more likely to support yours. Be careful how you handle the people you meet on the way up the ladder, because you’ll meet them again on the way down.
8. Be benevolent. If you have a chance to be nice, do it. If you can be generous, do it. If you have to be tough, give the other person’s
pride a way out. Winners will notice your grace, and everyone will admire your style.
9. Dress for success and to impress. Whatever your customers or co-workers expect, give them that, and a pinch more. Pay attention to your haircut, your shoes and shoeshine, and keep your glasses sparkling clean. Carry a fine quality briefcase, purse, or portfolio and you’ll be glad you did. Your pride and posture will be enhanced by attention to these details. Charles Revson, founder of REVLON cosmetics was known to have dozens of suits in his closet. All navy blue. Why? Because he looked his best in navy.
10. Do as much business by phone or email as you can, and save your meeting time for important issues, or emergencies. Wasting time over coffee, needless meals, or distracted meetings will cut your productivity and your fun factor. Ask if there is a way you can handle an item or decision over the phone or by mail. If you do meet, bring a pen, pad, and your calendar to any meeting so you’re ready to write, schedule, and move on.
11. The more success you have, the more decisions you’ll make. In the process, you’ll make some bad decisions. Accept responsibility for your mistakes, bad decisions, and failures. Boldly admitting your mistakes is the easiest way to be respected. Accept praise, when due. Be appreciative of the recognition. “Thank you” is a good way to acknowledge compliments or praise.
12. When the going gets tough, don’t get going. Stay put. Your resume of work or school experience will be a predictor of future performance. If you jump around at the first obstacle or delay, you will appear to be unstable. Stick it out as long as you can, and give yourself a chance to succeed. Michael Dell made $18,000 selling newspaper subscriptions while a high school senior. If he had failed at that, perhaps there would not be a Dell Computer.
13. Expect to work hard for everything you get. Television and our over-communicated society make it impossible to understand the effort required to earn a living, maintain good credit, and to save or invest for the future. Your impatience with the present has been created by advertising and marketing geniuses. Learn to put in long hours and to get very few easy wins along the way. When you’re given a bonus, a gift, or a promotion you earned, celebrate it! Tiger Woods may be the best golfer in history. However, he’s been playing golf well for over twenty years already. He had talent to start, but discipline, focus and an amazing work ethic are keys for him, and for you.
14. Breathe. Take big breaths when you find yourself stressed, tired, or dealing with a headache. Or take a walk. Whatever is bothering
you will pass. Remember, there are billions of people in the world who don’t even know you exist! Lighten up!
15. Have fun! Success is a journey, not an event! Hopefully your journey won’t be uphill both ways. Keep smiling as you build your career, your family, your hobby, whatever you do!
Tuesday, June 23, 2009
Top Fixes Recomended By Home Inspectors
Buyers today are more educated and demanding than they were in the past. It should not be surprising to a seller that a buyer would ask for a home inspection before signing a hefty purchase agreement. Therefore, it would be wise for homeowners to look at the areas where most home inspections fail. Start by fixing those areas up in advance, before you’re ready to place your house on the market.
The most frequently found problem area is water in the crawl space or basement. Poor drainage can result in water damage that will be more than apparent to an inspector. This can be an expensive problem to fix.
Start by re-grading the soil around the foundation of the home where water seems to be entering, or invest in waterproofing. It’s also a good idea to invest in a dehumidifier to remove moisture on an ongoing basis.
There are some areas that are more prone to water in the basement than others. Most buyers know if a little water is to be expected or not. If you’re unsure how prevalent the problem is in your area, feel free to call me anytime for advice.
The second most common problem found by inspectors is poor wiring. The wiring in your home needs to be up to code, and has to have sufficient overload protection.
Sometimes the best way to be sure the wiring in your home is in good shape is to hire a home inspector, or electrical contractor to check it out for you. Even if you’re not selling your home right now, you would want to make sure your family is living in a house that is safe from fire hazards.
Another major problem found in certain areas, is termite damage. If you begin to suspect at any time that your home may have termites, it’s urgent that you call a pest control service right away. This particular problem needs to be taken care of quickly.
More Important Home Fixes
Other areas that should be looked at as potential problems are the heating systems of your home, structural damage, such as extensive cracks in the walls or ceiling, or leaky roofs.
When deciding what is important to fix, put yourself in the place of the buyer. If you were considering buying the home you live in now, what would you consider important that the seller fix?
Handle problems in condition or construction with estimates and repair by a reputable contractor. Sooner is better than later, especially when the demands of moving and evaluation of the buyer run high. Do it now!
Anything you can do to make your home more saleable in advance may mean more money and less hassle when you’re actually ready to sell.
The most frequently found problem area is water in the crawl space or basement. Poor drainage can result in water damage that will be more than apparent to an inspector. This can be an expensive problem to fix.
Start by re-grading the soil around the foundation of the home where water seems to be entering, or invest in waterproofing. It’s also a good idea to invest in a dehumidifier to remove moisture on an ongoing basis.
There are some areas that are more prone to water in the basement than others. Most buyers know if a little water is to be expected or not. If you’re unsure how prevalent the problem is in your area, feel free to call me anytime for advice.
The second most common problem found by inspectors is poor wiring. The wiring in your home needs to be up to code, and has to have sufficient overload protection.
Sometimes the best way to be sure the wiring in your home is in good shape is to hire a home inspector, or electrical contractor to check it out for you. Even if you’re not selling your home right now, you would want to make sure your family is living in a house that is safe from fire hazards.
Another major problem found in certain areas, is termite damage. If you begin to suspect at any time that your home may have termites, it’s urgent that you call a pest control service right away. This particular problem needs to be taken care of quickly.
More Important Home Fixes
Other areas that should be looked at as potential problems are the heating systems of your home, structural damage, such as extensive cracks in the walls or ceiling, or leaky roofs.
When deciding what is important to fix, put yourself in the place of the buyer. If you were considering buying the home you live in now, what would you consider important that the seller fix?
Handle problems in condition or construction with estimates and repair by a reputable contractor. Sooner is better than later, especially when the demands of moving and evaluation of the buyer run high. Do it now!
Anything you can do to make your home more saleable in advance may mean more money and less hassle when you’re actually ready to sell.
Monday, June 22, 2009
Rewards of a Rose Garden
Roses have the reputation of being difficult, fussy plants that require a great deal of attention and time. Although it takes some effort on your part to maintain the beauty and health of a rose garden, the reward of numerous blossoms in wonderful vibrant colors is sufficient reward for most gardeners. A little water, fertilizer, and spray, on a weekly basis, can be a pleasant excuse to spend time in your fragrant garden.
Your rose bed should be planted where it receives full or partial sunshine at least six hours a day. There are varieties of roses that thrive in more shade but they will not be as fragrant as the others. Good drainage is also critical for roses. They like a lot of water, but do not like wet feet, so a raised bed of at least ten to fifteen inches high is a solution. It also makes gardening chores easier. Roses do best in loamy soil with high humus content. Amend the soil with organic matter such as compost, peat moss or cow manure and be sure to test the soil to determine the acidity.
Check with a nursery in your area for tips on when to transplant roses, but generally, any time from spring to fall, or when the plant is dormant and the ground is workable. Water every 3 or 4 days, soaking the soil to 8 inches; and fertilize depending on your type of soil, but usually about once every 4-6 weeks.
Lots of varieties of roses are available. The choices include climbing roses, tree roses, miniature roses, hybrid perpetual roses, grandiflora roses, and antique roses to name a few. Look at your space and the view from the house to determine how you want to define the space for planting. The rose can serve many functions including becoming a fragrant hedge, which provides bouquets of fresh cut flowers to decorate the inside of your home.
Give roses a try. The rewards are many and the satisfaction of seeing a perfect rose that you have grown makes it well worth the effort.
Your rose bed should be planted where it receives full or partial sunshine at least six hours a day. There are varieties of roses that thrive in more shade but they will not be as fragrant as the others. Good drainage is also critical for roses. They like a lot of water, but do not like wet feet, so a raised bed of at least ten to fifteen inches high is a solution. It also makes gardening chores easier. Roses do best in loamy soil with high humus content. Amend the soil with organic matter such as compost, peat moss or cow manure and be sure to test the soil to determine the acidity.
Check with a nursery in your area for tips on when to transplant roses, but generally, any time from spring to fall, or when the plant is dormant and the ground is workable. Water every 3 or 4 days, soaking the soil to 8 inches; and fertilize depending on your type of soil, but usually about once every 4-6 weeks.
Lots of varieties of roses are available. The choices include climbing roses, tree roses, miniature roses, hybrid perpetual roses, grandiflora roses, and antique roses to name a few. Look at your space and the view from the house to determine how you want to define the space for planting. The rose can serve many functions including becoming a fragrant hedge, which provides bouquets of fresh cut flowers to decorate the inside of your home.
Give roses a try. The rewards are many and the satisfaction of seeing a perfect rose that you have grown makes it well worth the effort.
Friday, June 19, 2009
Travel Games for the Road
Alphabet Objects: While riding in a car, look out the windows in search of items beginning with the letters a-z, in alphabetical order, starting with a. These can be actual letters on signs, or license plates, or objects that begin with the letter. The first person to finish the alphabet is the winner.
Find All 10 Provinces and all 3 Territories: A good way to start this game is to make a list of all 10 provinces and all 3 territories. See who can spot all 13 of the license plates first, or who can come up with the most.
Going on a Picnic: One player begins by reciting the phrase, “I’m going on a picnic and bringing _____.” The first player fills in the blank with an item that begins with A. The second player must recite this sentence in it’s entirety and add an item that begins with B. Each turn requires that the previous items be repeated. The winner is the person who is able to complete the longest string of items without making a mistake.
Find All 10 Provinces and all 3 Territories: A good way to start this game is to make a list of all 10 provinces and all 3 territories. See who can spot all 13 of the license plates first, or who can come up with the most.
Going on a Picnic: One player begins by reciting the phrase, “I’m going on a picnic and bringing _____.” The first player fills in the blank with an item that begins with A. The second player must recite this sentence in it’s entirety and add an item that begins with B. Each turn requires that the previous items be repeated. The winner is the person who is able to complete the longest string of items without making a mistake.
Thursday, June 18, 2009
Record Keeping Responsibilities
Here are a few ideas for accounting for the items inside your home, as well as the home itself:
Make a video or photo record and retain receipts for any specific items that are valuable or unique. Remember to add those items, especially jewelry, computer equipment, stereos, etc. to your insurance policy as specifically scheduled items. The additional cost of the insurance is low, and the peace of mind is worth every penny.
You may wish to organize the information about personal property onto a form. This form and the video or photo record will be a perfect partner, if needed, to answer questions in the event of a loss. Organize this information before you experience a loss.
It is important to keep lease or mortgage documents, as well as receipts for all home improvements in a secure place. Improvements are defined as those things which add value, extend the useful life, or adapt to a new use. Replacing a roof, building a fence or deck, or adding a garage are all examples of improvements. By retaining this information you will be able to show future buyers a history of your home.
If you are thinking of adding on to your home, moving up, or moving down, please call us A.S.A.P. Our experience can help you save time and money.
Keeping your important papers, documents and insurance policies in a convenient location, which is known to you, your spouse, and your loved ones, will save time and frustration. You could save thousands of dollars in the event of an emergency, death, or illness.
Here’s a list of the items the organized homeowner should keep together, in a fireproof file cabinet, safe, or strongbox.
· Bank information: Your account numbers, loan documents, statements, and deposits, as well as your most recent canceled checks.
· Car Documents: License, registration, insurance policy, extended warranty, repairs, and other key information.
· Education Records: Official transcripts, report cards, test scores for each student.
· Insurance Policies: Life, homeowners, health, disability, and any others.
· Tax Returns: Revenue Canada suggests you keep your tax returns for three to five years, just in case.
· Official Documents: Birth Certificates, passports, legal papers, deeds, and wills should probably be kept in a safe deposit box.
However, you may wish to keep copies on file at home, with instructions as to their location attached to the file.
Make a video or photo record and retain receipts for any specific items that are valuable or unique. Remember to add those items, especially jewelry, computer equipment, stereos, etc. to your insurance policy as specifically scheduled items. The additional cost of the insurance is low, and the peace of mind is worth every penny.
You may wish to organize the information about personal property onto a form. This form and the video or photo record will be a perfect partner, if needed, to answer questions in the event of a loss. Organize this information before you experience a loss.
It is important to keep lease or mortgage documents, as well as receipts for all home improvements in a secure place. Improvements are defined as those things which add value, extend the useful life, or adapt to a new use. Replacing a roof, building a fence or deck, or adding a garage are all examples of improvements. By retaining this information you will be able to show future buyers a history of your home.
If you are thinking of adding on to your home, moving up, or moving down, please call us A.S.A.P. Our experience can help you save time and money.
Keeping your important papers, documents and insurance policies in a convenient location, which is known to you, your spouse, and your loved ones, will save time and frustration. You could save thousands of dollars in the event of an emergency, death, or illness.
Here’s a list of the items the organized homeowner should keep together, in a fireproof file cabinet, safe, or strongbox.
· Bank information: Your account numbers, loan documents, statements, and deposits, as well as your most recent canceled checks.
· Car Documents: License, registration, insurance policy, extended warranty, repairs, and other key information.
· Education Records: Official transcripts, report cards, test scores for each student.
· Insurance Policies: Life, homeowners, health, disability, and any others.
· Tax Returns: Revenue Canada suggests you keep your tax returns for three to five years, just in case.
· Official Documents: Birth Certificates, passports, legal papers, deeds, and wills should probably be kept in a safe deposit box.
However, you may wish to keep copies on file at home, with instructions as to their location attached to the file.
Wednesday, June 17, 2009
Tips From Good Housekeeping on Staying Healthy
Too Much of A Good Thing: Weight Loss Gains Popularity
Chances are you have considered your current physical condition and determined that you need
to do something. As the years go by, a busy life, fast food, a sweet tooth, or an accumulation of
gourmet adventuring can add inches to your waist.
Most diets cut the fats, but load up on carbs. A salad bar looks like a diet plan, until you heap bacon, cheese, and salad dressing on top of those greens. Of course it makes sense to talk to your Doctor before beginning any diet or exercise program. Moderation and a long-term view are important, too.
Consider these tips, inspired by Good Housekeeping Magazine:
Follow one of these daily diet tips each day, and by this time next year, you'll be 10 pounds lighter!
1. Skip the smear of cream cheese (50 calories per tablespoon) or butter (100 calories) on a plain
bagel and try a hot, flavored bagel, like cinnamon-raisin or salt—delicious naked.
2. Forgo regular bottled dressing (2 tablespoons, 135 to 155 calories) for an equal portion of fat-free
dressing (30 to 50 calories). Once in a while, try a little lemon juice and pepper for a no calorie alternative.
2. Resist that 2-ounce glazed doughnut (230 calories) and pop an English muffin in the toaster (135).
Krispy Kreme is not a supplier to the Olympics, right?
3. Swap an ounce of regular tortilla chips with 1/4 cup guacamole (242 calories), for the same
Amount of fat-free tortilla chips and salsa (130). The crunch is different, and the flavor is a little flatter.
However, you'll do less crunches in the gym and your tummy will be flatter, too.
4. Instead of 20 regular-size French fries (274 calories), have a baked potato (7 ounces, 145 calories).
Baked potatoes fill you up and keep you satisfied for hours. Fries give you an energy burst for the
short term and a bulge for the long term.
5. Rather than a cup of canned cream of chicken soup (116 calories), sip chicken bouillon (13). For a no calorie solution,
drink hot tea in a variety of flavors. Apple-Cinnamon with a little Sweet and Low can be a treat you enjoy as often as you wish.
7. Instead of a regular pork or beef hot dog (142 to 180 calories), grill a fat-free frank (40). Don't worry about what's in a hot dog. You can be sure that it's meat, but very fatty meat. Get in the habit of having grilled or baked turkey breast on hand and you'll be able to snack with less than half the fat.
8. Pass up a chocolate bar (1.4 ounces, 210 calories) and soothe your sweet tooth with 10 regular-size jelly beans, 4 to 5 pieces of hard candy, or 10 Life Savers (100 to 110 calories). If you're ready for a real switch, try fresh berries with Sweet and Low. A small bowl of strawberries is satisfying, flavorful, and has the same calories as those Life Savers.
9. Instead of canned creamed corn (186 calories per cup), eat corn on the cob (90 calories). Experiment with Crazy Salt, Lemon Pepper, or Seasoned Salt for a flavor that satisfies without butter.
10. Remove the skin from a chicken breast after cooking, and save 100 calories. If you are a fan of chicken legs or thighs, try switching to the white meat. Less calories, less fat, and less cholesterol are available in the breast portions.
11. If you want bacon with your eggs, rather than 4 regular strips (145 calories), have one slice of Canadian (43 calories, and as filling). If you haven't had a poached egg, give that a try as an alternative to fried.
12. When making a peanut butter and jelly sandwich, skimp on the peanut butter: 2 tablespoons equal 190 calories; 1 tablespoon, 95.
13. Hold the regular mayo in tuna, chicken, and pasta salads and use two tablespoons of light mayo (80 to 90 calories versus 200). Experiment with gourmet mustards such as stone ground, horseradish mustards, or white wine blends for flavor without fat.
14. Make a slice of pie more innocent by leaving the bottom crust (and 100 calories) on your plate.
15. If pie is your weakness, pass up the pecan (430 calories per slice) and choose fruit or pumpkin (240 to 300).
16. Keep the premium ice cream (1/2 cup, 178 calories) in the freezer and lick a frozen fruit or juice bar (50 to 90 calories). Look for the Blue Bunny low fat chocolate fudge bars in the freezer. Quick, easy, and low calorie alternatives to Chocolate Chocolate Chip.
17. When you brown or sauté, skip the tablespoon of oil (120 calories) and use nonstick cookware with a spritz of cooking spray. A wine bottle can be filled with chicken stock and kept in the refrigerator to splash on meats or vegetables as they cook. Add flavor and moisture without adding fat and calories.
18. Replace regular soda (8 ounces, 100 calories) with diet soda, seltzer, or water. Buy water in larger bottles and refill at the water cooler or with a filtered system.
When you're hungry try taking a walk, making a phone call, drinking two glasses of water, or exercising. Substituting activity for eating is the secret of thin people. The main goal in watching our weight is to add to our overall health, and to assure that we'll be able to enjoy the good life with friends and family.
Good luck in your daily efforts!
Chances are you have considered your current physical condition and determined that you need
to do something. As the years go by, a busy life, fast food, a sweet tooth, or an accumulation of
gourmet adventuring can add inches to your waist.
Most diets cut the fats, but load up on carbs. A salad bar looks like a diet plan, until you heap bacon, cheese, and salad dressing on top of those greens. Of course it makes sense to talk to your Doctor before beginning any diet or exercise program. Moderation and a long-term view are important, too.
Consider these tips, inspired by Good Housekeeping Magazine:
Follow one of these daily diet tips each day, and by this time next year, you'll be 10 pounds lighter!
1. Skip the smear of cream cheese (50 calories per tablespoon) or butter (100 calories) on a plain
bagel and try a hot, flavored bagel, like cinnamon-raisin or salt—delicious naked.
2. Forgo regular bottled dressing (2 tablespoons, 135 to 155 calories) for an equal portion of fat-free
dressing (30 to 50 calories). Once in a while, try a little lemon juice and pepper for a no calorie alternative.
2. Resist that 2-ounce glazed doughnut (230 calories) and pop an English muffin in the toaster (135).
Krispy Kreme is not a supplier to the Olympics, right?
3. Swap an ounce of regular tortilla chips with 1/4 cup guacamole (242 calories), for the same
Amount of fat-free tortilla chips and salsa (130). The crunch is different, and the flavor is a little flatter.
However, you'll do less crunches in the gym and your tummy will be flatter, too.
4. Instead of 20 regular-size French fries (274 calories), have a baked potato (7 ounces, 145 calories).
Baked potatoes fill you up and keep you satisfied for hours. Fries give you an energy burst for the
short term and a bulge for the long term.
5. Rather than a cup of canned cream of chicken soup (116 calories), sip chicken bouillon (13). For a no calorie solution,
drink hot tea in a variety of flavors. Apple-Cinnamon with a little Sweet and Low can be a treat you enjoy as often as you wish.
7. Instead of a regular pork or beef hot dog (142 to 180 calories), grill a fat-free frank (40). Don't worry about what's in a hot dog. You can be sure that it's meat, but very fatty meat. Get in the habit of having grilled or baked turkey breast on hand and you'll be able to snack with less than half the fat.
8. Pass up a chocolate bar (1.4 ounces, 210 calories) and soothe your sweet tooth with 10 regular-size jelly beans, 4 to 5 pieces of hard candy, or 10 Life Savers (100 to 110 calories). If you're ready for a real switch, try fresh berries with Sweet and Low. A small bowl of strawberries is satisfying, flavorful, and has the same calories as those Life Savers.
9. Instead of canned creamed corn (186 calories per cup), eat corn on the cob (90 calories). Experiment with Crazy Salt, Lemon Pepper, or Seasoned Salt for a flavor that satisfies without butter.
10. Remove the skin from a chicken breast after cooking, and save 100 calories. If you are a fan of chicken legs or thighs, try switching to the white meat. Less calories, less fat, and less cholesterol are available in the breast portions.
11. If you want bacon with your eggs, rather than 4 regular strips (145 calories), have one slice of Canadian (43 calories, and as filling). If you haven't had a poached egg, give that a try as an alternative to fried.
12. When making a peanut butter and jelly sandwich, skimp on the peanut butter: 2 tablespoons equal 190 calories; 1 tablespoon, 95.
13. Hold the regular mayo in tuna, chicken, and pasta salads and use two tablespoons of light mayo (80 to 90 calories versus 200). Experiment with gourmet mustards such as stone ground, horseradish mustards, or white wine blends for flavor without fat.
14. Make a slice of pie more innocent by leaving the bottom crust (and 100 calories) on your plate.
15. If pie is your weakness, pass up the pecan (430 calories per slice) and choose fruit or pumpkin (240 to 300).
16. Keep the premium ice cream (1/2 cup, 178 calories) in the freezer and lick a frozen fruit or juice bar (50 to 90 calories). Look for the Blue Bunny low fat chocolate fudge bars in the freezer. Quick, easy, and low calorie alternatives to Chocolate Chocolate Chip.
17. When you brown or sauté, skip the tablespoon of oil (120 calories) and use nonstick cookware with a spritz of cooking spray. A wine bottle can be filled with chicken stock and kept in the refrigerator to splash on meats or vegetables as they cook. Add flavor and moisture without adding fat and calories.
18. Replace regular soda (8 ounces, 100 calories) with diet soda, seltzer, or water. Buy water in larger bottles and refill at the water cooler or with a filtered system.
When you're hungry try taking a walk, making a phone call, drinking two glasses of water, or exercising. Substituting activity for eating is the secret of thin people. The main goal in watching our weight is to add to our overall health, and to assure that we'll be able to enjoy the good life with friends and family.
Good luck in your daily efforts!
Tuesday, June 16, 2009
Add Fragrance to Your Home
Potpourri is a great way to add fragrance indoors. Most potpourri is made of lavender and rose petals. Combining different herbs makes a distinct change in fragrance. Here is a recipe for Rose Petal Potpourri.
3 cups dried rose petals
2 cups dried lavender flowers
1 cup dried lemon verbena leaves
1 tablespoon powdered allspice
1 tablespoon ground cloves
1/4 oz. essential oil of rose
Mix all ingredients together and store in an air tight jar for several weeks before using.
3 cups dried rose petals
2 cups dried lavender flowers
1 cup dried lemon verbena leaves
1 tablespoon powdered allspice
1 tablespoon ground cloves
1/4 oz. essential oil of rose
Mix all ingredients together and store in an air tight jar for several weeks before using.
Monday, June 15, 2009
What to Look For in a Lawn Care Contractor
Whether you decide to hire a neighborhood teenager, a local company or a national firm, there are certain requirements that you should look for when hiring a lawn contractor.
First you should decide what your lawn care needs are. If you only want the grass mowed and nothing more, than a teenager would be perfect. If you’re hoping to have the most beautiful lawn on the block, than chances are a professional company would suit your needs better. Most professional lawn care companies offer services such as mowing, edging, fertilizing, pesticide spraying, tree trimming, weed control, and shrub maintenance.
Before hiring a contractor set some goals for your lawn, and communicate them in writing. Also, ask for written bids from the companies you are considering, and check out their reputation with the Better Business Bureau in your State.
Ask the company to provide you with proof that they are properly insured. If one of their workers falls out of your tree during a trimming, you’ll want to know the company is insured.
On a final note, make sure the company will be easy to reach and quick to respond to problems. Lawn care is a competitive business so you can expect, and should get, a high level of service.
First you should decide what your lawn care needs are. If you only want the grass mowed and nothing more, than a teenager would be perfect. If you’re hoping to have the most beautiful lawn on the block, than chances are a professional company would suit your needs better. Most professional lawn care companies offer services such as mowing, edging, fertilizing, pesticide spraying, tree trimming, weed control, and shrub maintenance.
Before hiring a contractor set some goals for your lawn, and communicate them in writing. Also, ask for written bids from the companies you are considering, and check out their reputation with the Better Business Bureau in your State.
Ask the company to provide you with proof that they are properly insured. If one of their workers falls out of your tree during a trimming, you’ll want to know the company is insured.
On a final note, make sure the company will be easy to reach and quick to respond to problems. Lawn care is a competitive business so you can expect, and should get, a high level of service.
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