Gunning Daily News
November 16, 2012 5:40 pm
We may be coming into the season of giving, but one thing nobody wants to give – or get – this winter is a a sneezy, runny-nosed, hacking-kind-of-cough-inducing cold. While there are no guaranteed ways to avoid colds or flu, the Center for Disease Control (CDC) reminds us there are simple precautions everyone can take to minimize the spread of disease at home and in the workplace:
Practice good hygiene –
Washing hands frequently with soap and warm water or hand sanitizer is a good way to avoid contamination from counters, desks and other hard surfaces we touch many times a day- and covering your mouth when you cough or sneeze keeps viruses from becoming airborne. For maximum family protection, be sure your kids know and follow these rules as well.
Get a flu shot –
Vaccination is probably the best way to bypass the flu. If shots are not available in your workplace, they are available free or low-cost at local flu clinics everywhere.
Stay home when you are sick
- Cold and flu symptoms may include cough, fever, chills, runny nose, headache, body aches and sore throat. One person infected with influenza has the potential to infect many other people for up to five days after their symptoms begin. If you or your kids experience cold or flu symptoms, it is important to stay home to avoid spreading disease to others.
- Stay at home and get plenty of bed rest.
- Drink plenty of fluids.
- Ask your doctor which medications might be appropriate for you.
If you absolutely cannot avoid going to work or school while you are sick, avoid large gatherings and meetings. Try to use telephone and e-mail correspondence rather than face-to-face contact with co-workers.
November 16, 2012 5:40 pm
(BPT) - For many people, the shower is an escape from reality ... perhaps the only 'me time' in an otherwise hectic day. But if your current shower isn't living up to your relaxing expectations, it may be time for a facelift. Don't think you have the time or money? Don't throw in the towel just yet - an improved shower is within your reach. Simply follow these four quick and easy fixes that will make an amazing improvement to the everyday enjoyment of your shower.
Shower curtains may keep water where it should be, but they also have a tendency to make a shower feel smaller, dark and cramped. An easy solution to this problem is to install a curved shower rod. These unique rods add an elegant and luxurious look to the room while also moving the curtain away from your body, creating a more comfortable experience and adding up to 7 inches of elbow room. Whatever curved shower rod you choose, be sure to coordinate the finish to match the rest of your bath fixtures.
Downsize and organize
Fewer people are living alone these days, reports the National Association of Home Builders, which means you likely share your shower with others. A shower shelf is an ideal solution to provide adequate storage and keep everyone's everyday essentials neat and easily within reach.
Chance of showers
A simple showerhead update can dramatically improve your showering experience. With several styles available, the only difficult part is figuring out which one will suit your needs the best.
- Rainshowers - If you're looking for relaxing, full-body coverage, a rainshower is the right choice for you. These showerheads are often larger than their standard counterparts, allowing the user to receive all-over coverage rather than a concentrated spray.
- Handheld showers - With a handheld shower you're able to bring the water flow directly to you. This type of shower allows for any family member - no matter the size or age - to safely and easily shower.
- Standard showerheads - Standard showerheads are far from basic. With many collections offering multi-function spray settings, it's easy to create a personalized showering experience.
November 16, 2012 5:40 pm
Everyone loves the holidays. But not everyone loves the long lines that come with it. Have no fear! Savings.com unveiled a Best Times to Buy Holiday Gifts guide to help consumers navigate through Black Friday, Cyber Monday and the holiday shopping season to find the best deals for all their gift-giving needs.
Savings.com analyzed more than 1.5 million deals from 25,000 retailers and polled leading consumer and shopping experts, in order to find the best times to buy popular holiday gifts.
November 22, Thanksgiving:
Black Friday sales begin on Thanksgiving this year, the new and unofficial kick off to the shopping season.
November 23, Black Friday:
Electronics and apparel are the best gifts to shop for on Black Friday, as well as the days immediately following.
November 26, Cyber Monday:
The best gifts to shop for on Cyber Monday are electronics, apparel, toys & games, and items for the home & garden.
November 27-December 7:
Get the best deals from major toy retailers.
December 17, Free Shipping Day:
There is another spike of great deals from apparel brands on the last day free shipping is available to holiday shoppers looking to get their purchases delivered in time for Christmas.
If you are thinking of buying a food & wine gift, the best deals are available the few days before Christmas.
"Black Friday and Cyber Monday are great days to shop and save, and we have already seen from our partners that this year is going to be huge for savvy shoppers," says Loren Bendele, co-founder and President of Savings.com. "In fact, in a recent survey of Savings.com members, 99 percent said they planned to shop and use deals on those days. However, we have also found that great deals are available for products throughout November and December, and we want to share our insight and give shoppers confidence that they are getting the best deal possible."
November 16, 2012 5:40 pm
Builder’s warranty. Written statement by a builder assuring that a dwelling was completed according to a stipulated set of standards. It protects the buyer from any latent defects.
November 16, 2012 5:40 pm
A: One percent of the purchase price of your home every year to cover everything from painting to repairing gutters to caulking windows and maintaining routine system repairs and maintenance. An older home may require more maintenance, although much will depend on how well it has been maintained over the years. Take the upkeep seriously, and budget accordingly. Otherwise, your home’s value could suffer if you allow it to fall into a state of disrepair. Remember, too, that the cost of good home maintenance is usually minor compared to what it will cost to remedy a situation that you allowed to get progressively worse. For example, unclogging and sealing gutters may cost a few hundred dollars. But repairing damage to a corner of your home where gutters have leaked can potentially cost several thousand dollars.
November 16, 2012 4:40 pm
(BPT)—Planning a large celebration can be challenging. From setting a date that works for everyone to creating a fun party atmosphere, there is a lot of work that goes into planning the perfect event. Regardless of who the party is for, there are some ways to ensure your big party comes off without a hitch.
Renting makes sense
Few of us host large gatherings on a regular basis, so it's not surprising if you don't have enough seating on hand for a large group, or a supply of chafing dishes to keep everything warm on your buffet. Since you may only use these items once or twice a year, it doesn't make sense to buy them - plus, where would you store them for the rest of the year?
Fortunately, it's possible to rent just about everything you could possibly need to stage a large-scale celebration. Rental stores in your area carry party necessities from chairs and tables to place settings and stemware to festive decor. Just remember to reserve your items early, especially if your party is during a busy time of year like the holidays.
Where not to skimp
Saving money is vital when you're planning a big event. It's smart to look for the best deals you can find on rental items, and to find creative ways to save money. But every host knows there is one aspect of the party that can't be skimped on - and that varies from event to event, and crowd to crowd.
If you know your party will be heavily attended by foodies, you may want to spend a bit more on gourmet fare and cut costs in other areas. If your guests are the kick-up-their-heels type of crowd, it may make sense to invest more in live music or a DJ. Hosting a bevy of social butterflies? They may appreciate more upscale seating that affords them plenty of comfy places to sit and chat.
Knowing what you can rent to save money and where you have to spend is an essential part of staging a smashing soiree and saving money at the same time.
Special ways to spice things up
Every party should have at least one element that gives guests a delightful surprise. Maybe it's a make-your-own dessert station for the company holiday party, or a chocolate fountain for your large family gathering.
Whether it's adding elegant lighting and centerpieces for your New Year's Eve party, or a large screen television and games for your football party, adding a special touch can really set the tone for the event. It's easy to find these types of rental party items that make for a special surprise for your guests.
November 16, 2012 4:40 pm
If your property has languished on the market since summer or fall, REALTOR® Rae Catanese has this uplifting news.
Catanese recently blogged that anyone shopping for a home during the holidays is most likely a serious buyer, and she wouldn’t sway people from listing their home for sale during the holiday season for several reasons.
She says typically there is less inventory on the market which will bring you more showings. The more showings you have the better chance of receiving an offer.
Bottom line, according to Catanese, is that you have less competition and may be able to get a higher price for your home than you would if people had more to choose from.
Also, your home and your neighbor’s home probably have more curb appeal decorated. Catanese believes the holiday season “gets people in the mood” to buy.
Since many people think about how their lives will change in the upcoming New Year, Catanese thinks buyers may be more likely to envision themselves starting a new life in a new home, and the decision to purchase could be less stressful.
In general, Catanese says people are more generous, happy, and friendly, which could make the negotiating process go a bit more smoothly in your favor.
Also, be flexible and prepared to show your home at a moment’s notice. People have less time during the holidays so you may wind up getting requests to show your home with very little time to prepare.
Buyers may also accommodate an early closing with a rent back or extended occupancy allowing the seller to stay in the property until after the holidays are over.
When marketing your house during the holiday season, you may have fewer actual showings, but the buyers may be more qualified and motivated. Sellers will have less competition, possibly resulting in a quicker sale and higher sales price.
November 15, 2012 5:48 pm
While Thanksgiving may be intended as a day to give thanks for everything life has to offer, many Americans view it as a day to overcook, overeat, and overspend. Below are a few tips you can use to practice moderate spending and eating, so that you don’t break your budget—or your belt--in order to enjoy the celebration.
Here are five tips to follow so your Thanksgiving is fun, but not expensive:
1. Don't go in cold turkey –
plan a realistic budget well in advance, one that considers what you can really afford to spend on the holiday (in cash), not what you'd "like" to spend.
2. Think like a Pilgrim
– the fairytale version of early Thanksgivings included a focus on saying thank you, and not trying to impress those in attendance, so be modest and frugal.
3. Remember the trimmings –
not the stuffing, the decorations! Don't buy them, make them! Look online and you'll find easy-to-make, inexpensive ways to decorate your home and table.
4. Ask everyone to give thanks –
ask family and friends to bring a prepared dish, dessert or the wine, and build those items into your budgeting and planning.
5. Involve the natives
– invite your children, or some who may be attending, to prepare decorations, easy-to-make snacks, or lead after-dinner games rather than spend on entertainment.
November 15, 2012 5:48 pm
Many people have ceased to cook our stuffing inside our birds, like grandma used to do it. But what are some other food safety tips you can follow? The National Restaurant Association (NRA) estimates that more than 30 million Americans enlist the help of restaurants for their Thanksgiving feast by dining out or using takeout, but cooking at home remains popular during this holiday. Preparing that meal safely will ensure an enjoyable holiday with family and friends, so the experts at the NRA offer food safety tips for holiday meals.
"While we celebrate National Food Safety Month each September, food safety is a priority year-round," said Greg Beachey, senior academic relations and program manager with the National Restaurant Association Educational Foundation. "Food and cooking are a big part of holiday celebrations, so putting food safety practices in focus this time of year will help ensure a safe and enjoyable experience. Whether cooking at home or in a professional foodservice kitchen, basic principles like cleaning and sanitizing, and cooking to proper temperatures should be part of everyone's food safety knowledge base."
The food safety tips recommended by the NRA for preparing a Thanksgiving meal are:
Thaw your turkey in the fridge
. While you can thaw a frozen turkey under running water or in the microwave, the best way is in the refrigerator overnight (or longer). Be sure to follow the instructions on the package.
Store raw turkey away from ready-to-eat food.
Make sure your raw turkey is covered and stored in a leak-proof container on the bottom shelf of the refrigerator. You want to keep it away from foods that are ready to eat, such as desserts and salads, to avoid the risk of cross-contamination.
Clean and sanitize your sink and counters.
After rinsing your raw turkey thoroughly, properly clean and sanitize the sink and surrounding area before starting to prepare any other food.
Cook your turkey to safe internal temperature.
Use a properly calibrated meat thermometer to check that your turkey has reached an internal temperature of 165 degrees. Insert the thermometer to the dimple on the stem in the thickest part of the breast and thigh for accurate readings.
Keep cold foods cold and hot foods hot.
Prep salads, cranberries and other colds items first and store them in the fridge until ready to serve. Then prep your hot dishes closer to serving time so they stay hot. Keep all food items outside the "temperature danger zone" (41 to 135 degrees) as much as possible.
Safely reheat leftovers.
Whether from a meal prepared at home or picked up from a restaurant, leftovers are part of the holiday tradition. Store each dish separately in clean, sealable, leak-proof containers and reheat to 165 degrees when you're ready to enjoy round two of your Thanksgiving meal.
Sources: www.FoodSafetyMonth.com, www.restaurant.org
November 15, 2012 5:48 pm
With the holidays approaching in the wake of superstorm Sandy, many of us are feeling extra giving this year. This is terrific, but we can also get some love in return for our good deeds come tax time.
An estimated 117 million U.S. households gave to charities during 2011, according to Giving USA: The Annual Report on Philanthropy by the Giving USA Foundation and The Center on Philanthropy at Indiana University. On average, almost one quarter of charitable donations occur during the holiday season (also known as year-end giving).
"While taxes may not be top of mind when it comes to charitable giving, the ability to receive a deduction on taxable income for their generosity is a unique privilege to American taxpayers," said Mark Steber, chief tax officer, Jackson Hewitt. "However, not all charitable contributions are equal under the tax code. To be tax deductible, charitable donations must be made to a qualified organization, and for the purpose of taxes, there is a big difference between giving money, goods and time."
Steber offers four helpful tips about claiming charitable contributions on an income tax return:
What the IRS considers a charitable contribution –
A charitable contribution is tax deductible if the donation or gift is made to a qualified organization. Taxpayers can visit www.irs.gov to view a list of qualified organizations. To be deductible, the donation must be voluntary and made without receiving anything of equal value in return. Charitable contributions can include money or property given to a qualified organization as well as certain out-of-pocket expenses accrued when serving as a volunteer.
Tax deductible contributions do not include the cost of raffle, bingo or lottery tickets, the value of donated time or services or the value of donated blood, even if given to a qualified organization.
What documents are required to deduct a charitable contribution –
Taxpayers are required to keep records and receipts for all charitable contributions regardless of the amount or value. A bank record or a receipt from the organization is required for all cash contributions, and a separate, written acknowledgement from the qualified organization is also required to claim the deduction for any single cash or property contribution of $250 or more.
When charitable contributions can be deducted –
Charitable contributions can generally only be deducted for the income year in which they are made. Contributions sent by mail are considered made on the date they are postmarked. Some contributions that are not able to be deducted in the current tax year (because of adjusted gross income limits) may be carried over to future years.
How to deduct noncash charitable contributions –
Clothing, toys, furniture or other household items donated to a qualified organization allow taxpayers to deduct the fair market value of the donated items. To qualify for the deduction, all items must be donated in good condition. The IRS does not provide a guide to determine fair market value; instead, taxpayers must survey thrift and consignment stores for similar items to provide an indication of fair market value. IRS Publication 561, Determining the Value of Donated Property, provides general IRS guidelines on noncash donations.
Generally, the deduction for property contributed is equal to the fair market value of the property at the time of the contribution. However, different rules may apply if the value of the property has increased or for vehicle donations.
"There are many rules and regulations surrounding tax deductions for charitable contributions," continued Steber. "A conversation with a trusted tax preparer, who is knowledgeable of the current tax codes, is the best way to maximize the deduction amount for charitable contributions made during the year."