Gunning Daily News
May 14, 2013 5:14 pm
Every year hundreds of thousands of people in the U.S. are involved in traffic accidents. Many of these accidents result in only minor injuries, but massive insurance claims. It is wonderful if you find yourself physically unscathed after an accident. However, you will at some point have to deal with your insurance company as well as the insurance agents of others involved in the accident.
Filing an insurance claim and handling insurance adjusters can be quite a task, and it is important to get legal advice. However, here are some things you may want to do on your own in order to better protect yourself.
Make sure you have an emergency kit in your vehicle. This should include pen and paper, a camera (sometimes your cell phone camera can be damaged in an accident) a medical card listing emergency contacts and any known allergies, flashlight and if possible a set of cones or emergency flares.
Contact your insurance company as soon after the accident or injury as possible. Don’t forget to keep safety 1st, and move vehicles off the side and out of the way if possible. Unless you have some very serious injuries to take care of, your insurance agent is the first person to call in case of an accident or injury.
Do your best to get as many details of the accident as possible. This will include taking pictures of the damaged vehicles and any injuries. Make sure to take pictures from different distances as well as from different angles. Also do try to take down the names and numbers of any witnesses to the accident who may later be able to help your case in the event the other driver disputes your account of events.
May 14, 2013 5:14 pm
A: That space may be as close as the next room, particularly if there is unused or under utilized areas in your home. A garage, attic, side porch, large closet, or basement can all be converted to fit the use you have in mind. Or, maybe, a small area can be carved from a larger area like a kitchen or living room to create, say, a powder room. This concept of “stealing” space from a neighboring room is called space reconfiguration and it is much cheaper than a major remodeling job.
May 13, 2013 5:14 pm
Not to be a pest, but I recently discovered a very big ant problem involving very small ants. And while the change of season apparently diverted their attention from the cupboard to the more diverse and easy to access bounty of the great outdoors, the prospect of calling in a pest control service was pretty daunting.
The regional Better Business Bureau apparently hears from a lot of nervous pending pest control clients, because the agency just issued a punch list of warnings to ensure you don't get stung by unscrupulous pest management services. In 2012, more than 786,000 people turned to Better Business Bureau for information on pest control services.
BBB and NPMA recommend the following tips for finding a qualified pest management professional:
Check them out - Evaluate pest control professionals and companies that are members of national, state or local associations. Ask friends and neighbors to recommend pest control companies they have used successfully and ask how satisfied they were with the service.
Always deal with a qualified and licensed pest management company - Ask to see the license or other credentials of the pest control professional that comes to solve your pest problem.
Don’t rush - If a sizable amount of money is involved, get bids from several pest management companies.
Understand before you sign - Before signing a contract, be sure to fully understand the nature of the household pest to be exterminated, the extent of the infestation, and the work necessary to solve the problem. Find out if the pest control company has liability insurance to cover any damages to your house or furnishings during treatment.
If a guarantee is given, know what it covers, how long it lasts, what you must do to keep it in force, and what kind of continuing control, prevention and management are necessary.
Don’t fall for high-pressure sales tactics - Buy value, not price. Beware of companies that offer bargains that sound too good to be true. Be wary of companies that come to your home uninvited and offer to give your house a free inspection for pests or press you for immediate and/or costly treatments.
May 13, 2013 5:14 pm
(BPT)—With many states facing drought this summer, homeowners across the country will be looking for ways to save their landscaping while conserving water at the same time. Even if you're not in a drought-affected area, it pays to keep conservation in mind when it comes to watering outdoors. Using less water is good for the environment and your wallet.
Fortunately, maximizing the efficiency of your watering efforts and taking steps to conserve water outdoors can help trim your water bill this summer, even if you live in a severe drought area, such as in the western regions of the country. Here are simple ways to conserve water, save money and preserve your garden, lawn and landscaping this season:
Efficient, effective irrigation
Traditional watering methods for lawns, gardens and flower beds waste a lot of water through run-off, over-saturation and evaporation. Rather than spraying water over plants, use a method that delivers the right amount of water where it will do the most good - the roots of plants.
Drip irrigation systems can help you water more effectively. These systems deliver water as close as possible to plant roots, allowing you to achieve better results with less water used. You'll also lose less water to run-off and evaporation. Place the system on a timer, and you can also ensure you're watering at optimum times of the day to reduce evaporation and waste. A starter kit with 50 linear feet of tubing - ample enough to handle most gardens and planting beds - costs less than $1 per foot.
Water lawns, gardens and flower beds either early in the morning or as evening approaches to ensure you don't lose moisture to the hot sun. And if a day is windy, hold off watering lawns altogether as the breeze could leave you watering the sidewalk or driveway, rather than your grass.
Reuse, recycle and preserve
Even during a drought, some rain and condensation will occur. Take steps to capture natural moisture. A rain barrel situated beneath a downspout ensures you can catch run-off from your home's roof. While using barrel water may not be practical with most irrigation systems, it's a great option for watering container gardens or even indoor plants. You can also use household water, such as water left over from boiling vegetables or pasta, to water potted plants. Just be sure to let the water cool completely before using it.
You can help plants retain more moisture by placing organic mulch around the roots. The mulch will also help keep down weeds that would compete with plants for much-needed moisture. Depending on where you live and the type of mulch you choose, you can buy a bag of mulch for just a few dollars.
Finally, adjusting the type and location of plants is a great way to grow a drought-resistant garden or landscaping bed. Check with your local agricultural extension or search online for naturally drought-resistant species that do well in your area. By planting these hardier varieties, you can help keep your environment green and growing through a long, dry summer - and avoid the money drain of high water bills.
May 13, 2013 5:14 pm
Looking to sell your home this spring or summer? While market timing and pricing are important, another key factor is your curb appeal. A well maintained yard instantly increases your home’s value by as much as 10 percent, and in the season where the outdoors is at its best, you should ensure the outside of your home is in tip-top shape as well.
Here are the top tips for lawn care and landscaping, provided by Pillar To Post:
Mulch: Adding a layer of mulch to gardens and other non-grassy areas is an inexpensive way to make your yard look nicer. It also helps prevent weeds, so your yard will look better, longer.
Refresh planters: Think about planting brightly colored plants and flowers. They don’t cost that much and add instantly make your home look better. If you don’t have planters, consider investing in some. Not only can they help improve the curb appeal at your current home, you can take them with you when you move.
Prune: Trim trees and shrubs. You don’t want a potential buyer’s first impression of your home to be that you neglect maintenance issues. It’s also a good idea to take a look at your perennial plants. If a plant doesn’t look healthy, remove it. If you don’t want to invest in replacing the plant, put a decorative planter in its place.
Remove plants you want to keep: It’s misleading to show a potential buyer plants you don’t intend to include with the sale. Many states even have restrictions preventing you from doing so.
Clear clutter: Remove anything that is making the yard look cluttered, such as toys, lawn ornaments and large furniture. They can make your yard look smaller and less attractive to potential buyers.
Mow regularly: This may seem obvious, but an unruly lawn may have potential buyers wondering what else you have let go in and around your home.
May 13, 2013 5:14 pm
Zoning. Procedure that classifies real property for a number of different uses: residential, commercial, industrial, etc. in accordance with a land-use plan.
May 13, 2013 5:14 pm
A: Plan ahead. Since your home will become a worksite once the remodeling begins, inconveniences will arise that can be minimized with a little planning. Begin by having a frank discussion with the contractor to set guidelines and develop a clear understanding upfront about the various project stages and the processes involved. Talk, for example, about where building materials will be stored, how to best protect your belongings from dust and debris, areas of your home that will be off limits to workers and whether you will need to vacate the home for any reason over the duration of the work. If a kitchen or bath will be out of commission, plan accordingly. It’s okay to move the refrigerator, microwave and toaster oven to the basement or another designated area where you can prepare meals to avoid eating out. Equally important are the rules that dictate how workers can conduct themselves in your home. Will they be able to use your bathroom and the telephone? Will they be prohibited from smoking, playing their radios or using profanity? Finally, remember to preserve a safe haven in your home where you can flee the chaos and dust and attempt to maintain your sanity.
May 10, 2013 4:50 pm
For some teenagers, summer is a time to sleep in, kick back and enjoy. But for others, it’s all about money – a good time to earn and stow away cash for whatever is dearest to their hearts.
Summer jobs that are social and flexible are clearly the most popular. High school counselors suggest top possibilities ambitious teens should look into:
Camp counselor – Residential summer camps frequently want counselors with counselor-in-training (CIT) experience. But day camps, whether private or sponsored by churches, schools, or other local organizations, offer plenty of opportunity for responsible teens who can be good role models for children. Check early with camp sponsors for the best chance to snag a position.
Lifeguard – Proficient swimmers who are at least 15 years old can become certified lifeguards by completing a 37-hour training course including CPR, first aid, use of rescue equipment, and more. Passing written and swimming tests may also be required, but once certified, summer lifeguarding can be fun and lucrative for years.
Starting a service business – Entrepreneurial teens who can provide babysitting, lawn care, cleaning, car washing or other needed services, such as computer instruction or tutoring, may want to start a business that could continue long past the summer months. They can get a start by advertising their services at senior center, church and community bulletin boards or in free community newspapers.
Concert and event venues – It takes a lot of people to usher, sell snacks, provide security, and man the parking lots at the many summer event venues available in most communities. Apply early for the best chance of being hired.
Food services – Teens who like interacting with people can choose from cashier, host/hostess, server, bus girl, dish washer, and prep cook positions. Food industry jobs often open up in summer as restaurants seek to staff expanded outdoor dining.
Movie theaters – Indoors or at summer drive-ins, teens can enjoy free movies, free popcorn, and socializing by working at a movie theater in concessions, tickets sales, or cleaning.
Business internship – While many internships are unpaid, some do offer a stipend – and teens can gain invaluable experience to support their professional futures by pursuing a summer internship in a career field of their choice.
May 10, 2013 4:50 pm
You may feel you can't afford to give back if you are struggling to make ends meet. But, if you look closely, there are ways to make a meaningful gift without emptying your own pocketbook.
Don't sell yourself short by thinking you don't have enough time or the skills to make a difference. Get involved and you'll see the value you can bring to a non-profit organization and how it impacts the world around you.
BMO Harris Bank recommends five easy ideas for maximizing your non-profit gift:
Get an employer match. Many companies will match employee donations, sometimes up to triple the amount. Contact your company's human resources department to see what options are available. You should also see if your company will donate dollars on behalf of your volunteer hours. For example, if you volunteer with a soup kitchen, some companies will donate money to that organization on your behalf.
Donate your professional skills. Many non-profit organizations have small staffs and can greatly benefit from volunteers with marketing, accounting and computer programming skills. You can help even if you can't donate a lot of money. If you consider the salary value of your skill-based volunteer hours, it adds up and can make a big difference to the organization.
Host a party. Invite a representative from your favorite non-profit organization as the guest of honor. During the evening, allow him or her to give a brief talk about the non-profit's mission, needs and upcoming events. Consider scheduling your party a few weeks before an event at the non-profit so people have an easy way to take the next step in getting involved.
Ask for donations in lieu of gifts. With the birthdays, holidays, and other gift-giving occasions, come plenty of gifts -- but do you really need another coffee table book or scarf? Instead, ask your family and friends to make a donation on your behalf.
Race for your favorite non-profit. Help a non-profit's bottom line -- and your waistline. There are countless run/walks scheduled throughout the year and many have a charitable component. A portion of your race registration benefits the organization, but you can also choose to fundraise or donate additional dollars.
Source: BMO Harris Bank
May 10, 2013 4:50 pm
(Family Features)—The task of home painting projects may seem daunting, but by following a few helpful steps you can give your home a fresh, clean appearance and incorporate some of your favorite new home décor trends.
"Whether your painting projects call for sprucing up your indoor space or freshening up outdoor trim, a little advance planning, sweat equity and the right tools can go a long way in ensuring a professional looking result," says Carmen De La Paz, designer and former host of HGTV's Hammer Heads.
De La Paz offers these tips to help you paint like a pro.
Start with the Right Tools
Whether working on interior or exterior projects, be sure to use the right tools -- especially the appropriate tape -- to ensure a professional looking result. For indoor projects, make sure you read the label to find a tape that is appropriate for the surface you are working on and that has EdgeLock technology to ensure sharp, clean lines. For exterior projects, ScotchBlue has an Exterior Painter's Tape specifically designed for exterior paint jobs and is resistant to sun, wind and moisture.
Tips for Exquisite Exteriors
With its exposure to the elements and various surface types, exterior painting has its list of challenges. Here are a few tips to make outdoor painting a breeze:
- Always use the appropriate nap, or thickness of a roller, for the surface you are painting. Some surfaces, like stucco, tend to have a rougher texture, so be sure to use a thick nap roller to help pull paint in and out of crevices. This will save time and frustration.
- Remember to pick paint designed for the surface being painted. For example, choose masonry or stucco paint for outdoor projects, or paint that is compatible with wood or metal when painting other exterior surfaces. Remember, outdoor elements will influence how well paint sticks to a surface; some surfaces will even reject the wrong paint. You can avoid this by using the right paint from the start.
- Be sure to "back prime" any newly installed woodwork. This means you should prime and seal the whole board before installing it. This will protect the backboard from moisture and prevent bloating and cracking once new woodwork is applied.
Ideas for Impressive Interiors
When approaching interior projects, use these tips to make them flawless:
- When painting big surfaces, such as a wall, use a roller and paint in "X" and "W" patterns for even distribution of paint. This helps you avoid "lap marks" where paint builds up thicker in some areas due to overlapping.
- When using a brush, load your brush and start by painting strokes in the middle of the paint area -- working your way to the edges. The goal is to lightly whisk the paint on. The brush has more paint on it than you think, so let the brush do the work.
- If your painting job is ongoing, don't wash the brushes. Instead, put them back in their bags and keep in the freezer overnight. Then, pull the brushes out about 15 minutes before you plan to use them again and you're ready to go. This saves time and water for brushes that are already in great working condition.
You'll be amazed by how beautiful your home can be when you take the time to tackle those painting projects and do it right. Incorporating these tips into your painting routine will get you painting like a pro in no time.