Gunning Daily News
May 8, 2012 5:28 pm
Q: Should I lock in the mortgage rate?
A: Because the interest rate market fluctuates constantly and is subject to quick movements without notice, locking in a mortgage rate with a lender certainly protects you from the time your lock is confirmed to the day it expires.
Lock-ins make sense in a rapidly-rising rate environment or when borrowers expect rates to climb during the next 30 - 60 days, which is typically the amount of time a lock-in remains in effect.
A lock-in given at the time of application is useful because it may take the lender several weeks to prepare a loan application. These days, however, automated loan practices have cut the time quite a bit.
Lock-ins are not necessarily free. Some lenders require you to pay a lock-in fee to guarantee both the rate and the terms.
If your lock-in expires before you close on the loan, most lenders will base the loan rate on current market interest rates and points.
May 8, 2012 5:28 pm
Escrow. Money or documents held by a third party until specific conditions of an agreement or contract are fulfilled.
May 7, 2012 5:22 pm
Most confirmed shoppers know there are seasonal buys in almost every consumer goods sector—such as white sales in January and swim suits after the Fourth of July. The merry month of May, say the consumer goods’ trackers at Yahoo! Finance, may be the best time to find bargains in this list of wanted products:
1. Mattresses – Surveys show the deepest discounts in mattresses occur in May, traditionally the time for heavy spring cleaning. Keep your eye on the ads because Sears and other retailers may be offering discounts of 50 - 60 percent.
2. Spring and summer apparel – With Spring Break over, all those shorts and cut-offs so wanted in April are already on sale at many retailers. You may find spring duds up to 75 percent off at stores like Gap, Old Navy and J. Crew, where many buyers are already focusing on fall fashions.
3. Ultra-portable laptops – If you’re looking for small screen size and portability, travel-friendly computers weighing less than four pounds - many of which debuted in January at the Consumer Electronics Show – are now on sale for as much as 25 percent off initial retail prices.
4. 3D TVs – These popular Television sets began falling in price last year and continue to fall now. In May, you should be able to find all-time low prices— as low as $699 – for 55-inch screen models.
5. Gym memberships – As the weather warms and people start running and taking more of their exercising outdoors, gyms are looking for a way to get us back inside. Look for unbeatable membership deals, attractive promotions, and heavily discounted introductory programs with zero initiation fees at gym locations around the country.
May 7, 2012 5:22 pm
What’s new with hue? Whether you’re looking to spice up your wardrobe or your decorating scheme, new colors have complex roots. Color forecasters take a long look at the world around us, analyzing and predicting which colors will most fit our state of mind in the new year.
"Color trends occur more slowly in home furnishings, shifting only slightly from year to year," says Kris Woodcock, VP of Merchandising for Ashley Furniture. "Consumers also have long-standing favorite colors for home, making fresh, new combinations of colors as important as any one single hue. And since choosing a sofa color is riskier than picking a scarf color; our new colors are researched to ensure they'll be appealing over the long haul."
Consumer color tastes are getting more sophisticated. Even neutral hues are moving beyond beige, gray and taupe to hues with complex undertones. Check out the newest color trends, as well as some best-selling hues expected to stay strong through 2012:
• Linen. Word has it that linen is here to stay, getting stronger at every furniture and apparel market in Europe and North America alike. The trend to linen as a color is being driven by all things casually elegant - conjuring up nostalgic French laundry style, fabrics from a Belgian chateau or homes in southern France. Linen as color or texture is luxurious and unaffectedly natural. As a hue, linen recalls its namesake's most popular shade; a warm cream color that feels nostalgic and organic, whether mixed with soft floral patterns and stripes, or left perfectly alone. Look for linens in combination with nailheads and lighter woods in reclaimed, raw or heavily grained textures.
• Citrus & Kiwi. With global warming, farm-to-table cuisine and a healthier environment all hot-button topics, green has stayed at the forefront of both our eco-conscience and our home's decor. It seems Mother Nature's favorite hue refuses to disappear off the color trend radar. Fresh, yellow-infused greens are getting the most attention; they exude spring, youth, optimism and good health. But expect to see a widening range of green hues in 2012, including subtle shifts in the blue direction. No doubt darker greens will emerge again, but for now, lighter greens feel right for the times. We like kiwi and citrus as furniture hues. Both of these fashion-forward hues add an airy quality to an interior, especially when applied to tailored shapes. They also bring nature indoors and, as nature's neutral, work with just about any accent color -- from brown and blue to cream, silver, eggplant, tangerine and more.
• Russet. Orange has yet to regain its 1960s status, when rust-colored sofas perfectly complemented harvest gold shag rugs and avocado-colored appliances. But oranges are heating up again, especially in deep, spicy versions. Tangerine Tango, in fact, was Pantone's 2012 Color of the Year. And banish the belief that orange is better as an accent color. A quiet russet color is a stunning alternative to the ever-popular red sofa. With plenty of depth, it's ideal for home décor; both irresistibly inviting and instantly able to warm a room. Pair with other fall-inspired colors for accents.
• Steel. A few things are driving the gray trend today, including chic car finishes and all those steel-colored technical gadgets in our lives. But gray has come into its own as a remarkably chameleon-like color; able to be urban or rural and cool or warm, depending on its undertones and texture. Gray can be cool, professional, objective and uncomplicated, the color of corner offices and city concrete. It can also be warm and natural and mature, the color of weathered beach boards and a life well lived. For 2012, look for a vast range of grays from light to dark and cool to warm. Look for hues that move well beyond simple mixes of black and white to sophisticated versions with complex undertones. For home, we're excited about steel, a bluish gray that's chic and modern, especially when mixed with white or brown accents.
• Eggplant. Purple is one of today's hottest hues. Much evolved from its connection to royalty, teens and sentimental old ladies, it hasn't lost any of its rare, pretty or nostalgic qualities. Some believe this riveting hue is ideal for today's political, social and economic conditions; reflecting both a high level of emotional intensity and a desire to be unique. Hues inspired by dusk, berries, vineyards and vegetables will permeate palettes in 2012. We'll also see a trend to purple as a “neutral” color, with eggplant a perfect example. Slightly grayed down and deepened, it's a remarkably versatile hue for home décor. For a fresh, but livable look, pair it with a mix of white, sage and Concord grape hues.
May 7, 2012 5:22 pm
Frustrated by lack of help around the house? Your kids might actually think chores aren’t important to you. Why is that?
First, kids don’t see the need. Kids cruise along in their own little world and only notice a problem when it crashes into their happy mindset.
Second, we don’t teach how to help. Becoming aware of others’ needs doesn’t just happen. Children need to be taught.
And, third, we let kids off the hook. We sometimes think it’s unfair to ask for help. But your child wants to be helpful. By assigning chores, you let your child feel competent, capable and valued for her contribution.
Competence. That’s the “I did it myself” feeling. To feel this way, a child needs to know a task exists, what it takes to do it and how to tell when it’s done. The task has to have a recognizable beginning and end.
Capability. This is the feeling “I have valuable skills.” To feel capable, a task can’t be too easy. But this is where parents get tripped up. Instead of assigning a simple task, appeal to your child’s desire to do important things by giving her difficult tasks.
Contribution. “Does anyone care?” This is why cleaning the garage is more fun than cleaning one’s own room. A clean garage matters to other people. Cleaning one’s own room, not so much.
So… your plan of action looks something like this:
1. Think about your child. What does he like to do and what task would he think is difficult and grown up? The task will obviously change with the age of the child.
2. Choose one task to start. The task should be something that can be repeated at regular intervals. It should be something that provides obvious clues that it’s “time” to perform the task. It should have obvious indicators that the task has been completed and completed well. For example, a five-year-old might be assigned the task of keeping the dog’s water bowl filled. A ten-year-old might have the job of collecting trash and setting it out for pick-up on “trash day.” And a teen might be asked to plan and prepare the family dinner every Wednesday night.
3. Tell your child what you want her to do. Your child is not a mind-reader. Talk with her about your need for help. Be sweet, be pleasant but be clear that doing the task is not optional.
Tell her what – Tell her when or by when – Tell her how to tell when it’s done.
The ten-year-old might need to know which wastebaskets need emptying and how to get the trash bins safely to the curb. She will need to know when the trash trucks come by and if she is also responsible for retrieving the bins from the street or putting fresh liners in the wastebaskets. Help her know what goes into her job and how you want the finished task to look.
4. Let your child decide how he’ll do the task. Ask your child how and when he thinks he will do it. If the task will be messy or if there are tricky parts, suggest ways to avoid these issues. Help him visualize doing the task and anticipate problems.
The five-year-old who is filling the dog’s water bowl will need to know how frequently the bowl needs filling, what to do about cleaning the bowl, and how spills should be handled. But how he actually decides to do it – by carrying the bowl to the faucet or by carrying a pitcher of water to the bowl – is up to him.
5. Step back and shut up. Will your child do the task the way you would do it? No. Will she make mistakes the first time? Yes. But you must let her own the task and find out for herself how to do it and how to do it better.
Your teen may not fix dinner just the way you expect it. But hovering in the kitchen, giving advice, is not the way to go. And eat the meal that gets prepared with good grace.
6. Thank, inquire and reassign. When the task is done, thank your child, no matter how poorly the result is. Then ask your child how the task went. Let the child say the job was not done very well if it wasn’t. Let her own the task and own the outcome. If you feel the need, suggest one improvement for next time. No matter how well or poorly the task was completed, reassign it for tomorrow or whenever the next reasonable time to do the task is. End on a happy note.
You might be thinking right now that this sounds like more bother than it’s worth. You’d rather do the jobs yourself….
And that’s been the problem all along. Because you haven’t taught your children how to do jobs, they haven’t learned to do them. They may even think you don’t really want them to do chores or don’t believe they can.
The main reason kids should do chores is not to get stuff done, though that’s nice. The main reason is to teach children responsibility and initiative. That’s why letting children decide when and how to do a task is important. That’s why letting kids evaluate their own work makes sense. And that’s why making children feel responsible for their tasks is so key.
What you’re doing here is developing attitudes and character. Do that and doing chores will come naturally.
May 7, 2012 5:22 pm
These days, a trip to the supermarket or drugstore is like a trip around the world.
Many of the products you and your family buy, the medicines you use, and the foods you eat are from other countries. Did you know, for example, that 80 percent of our seafood and 80 percent of the active ingredients in medications consumed in the United States come from abroad?
“Global Engagement”, a new, in-depth report from the Food and Drug Administration (FDA), tells how the agency works to ensure that the imported foods, medical products, and other goods it regulates meet the same high standards for safety and quality set for products manufactured domestically.
The report was compiled to provide a face and voice to FDA’s global work, which includes overseas inspections and collaborations with governments in other countries, says FDA’s Mary Lou Valdez, associate commissioner for international programs.
Rather than focusing on the efforts of one FDA office or center, the report describes for the first time—through data, charts, vignettes, quotes, and narratives—the global engagement efforts taking place across the agency. The report also explains some of the challenges that FDA faces in fulfilling its mission.
“It truly is a different world for all of us working to ensure product safety,” says Valdez. “We had to recognize the complexity of the world in which we’re regulating.”
From Farm to Fork
Take food. FDA regulates most food products in the United States, from the lettuce you put in your family’s dinner salad, to the eggs and juice you serve for breakfast. As of 2011, roughly one in six FDA-regulated food products consumed in the United States comes from abroad. And the percentage is much higher in foods like fruits (about 50 percent) and vegetables (about 20 percent).
So the agency—empowered by the Food Safety Modernization Act signed into law in 2011—is focusing its efforts on making sure that foods from other countries meet U.S. safety standards before they reach the United States, and your family’s dinner plates. Investigators with FDA’s Office of Regulatory Affairs travel the globe to inspect facilities that produce food bound for the United States. Additionally, FDA’s Office of International Programs has stationed investigators in multiple overseas posts to complement these inspection efforts.
“Consumers around the world, not just in the United States, expect and demand safe food, no matter its source,” says Michael Taylor, FDA’s deputy commissioner for foods.
The Global Drugstore
These strategies also apply to medical products, which include prescription and over-the-counter drugs, biologics (like vaccines and tissue), and devices that range from tongue depressors to complex diagnostic tools.
Forty percent of drugs—generic and prescription—consumed in the United States are now manufactured in other countries.
Globalization of the medical product industry presents regulatory challenges from product development to final use by the consumer:
• The clinical trials of all medical products required for FDA approval are increasingly conducted abroad, adding the complexity of the review process.
• Many U.S. consumers can purchase medicines via the Internet directly from foreign sources, increasing their potential exposure to unsafe or ineffective medical products.
• Many medical devices are sold in nearly identical forms around the world but are known by different trade names, making it difficult to warn medical professionals and consumers about potential dangers.
For more information, or to view this article in its original form, visit www.fda.gov.
May 7, 2012 5:22 pm
Escheat. Reversion of property to the state when the owner dies without leaving a will and has no heirs to whom the property may pass.
May 7, 2012 5:22 pm
Q: Are there routine steps I can take now to avoid major home improvements later?
A: Get in the habit of taking an annual inventory of every single space in your home to check for potential problems. Examine the roof, foundation, plumbing, electrical wiring – basically everything. Try to fix trouble spots as soon as you uncover them. This proactive approach will help you avoid major repairs to your home later.
May 4, 2012 4:42 pm
Schools across the nation are revamping lunch menus, trying to incorporate more healthful ingredients that align with the U.S. Department of Agriculture's (USDA) new school lunch guidelines.
Dr. Keith Ayoob, RD, a child nutrition expert, highlights the biggest changes under the new guidelines:
More colorful fruits and vegetables. Both fruits and vegetables must be served every day of the week, and there is now a weekly requirement for specific colors of vegetables. Previously schools only had to offer either fruits or vegetables.
Whole grains will be required. While encouraged in the past, schools now must offer whole-grain rich foods. Schools are really looking at how to ensure foods are nutritious, but also appealing to kids. It's a challenge, but one that schools across the nation are focused on.
Schools are paying attention to portions. Calorie limits will be enforced based on the age of children being served to ensure proper portion size. New menus will be increasingly focused on reducing saturated fat, trans fats and sodium.
While the school lunch menu has only recently changed, school chocolate milk has been undergoing changes for the past five years. The nation's milk processors have been hard at work to lower the calories and sugar in school flavored milk, while continuing to deliver a nutritious and delicious drink kids love. School flavored milk now has 38 percent less added sugar than just five years ago and on average.
Dr. Ayoob has some tips to help parents and kids make the most of school lunches:
• It's equally important that school meals are appealing, as they are nutritious. Along with good nutrition, food choices need to be practical, so they don't end up in the trash. Many children are overfed but undernourished, so focusing on our kids' nutrient intake is essential now more than ever.
• Help kids learn healthy choices. Research has found that if you offer kids carrots and celery, they'll eat more carrots than if you just provide carrots alone. Offering nutritious choices in schools helps kids learn food and nutrition lessons and research suggests the ability to choose between two or more options helps boost kids' overall intake of nutritious foods.
May 4, 2012 4:42 pm
(ARA) - In our fast-paced and chaotic lives, we're always seeking ways to relax and de-stress from the day. For some, that means watching a favorite TV show, having a glass of wine, or even a massage at the spa, but we often forget about our homes and the impact of its design on relaxation.
Kelly Edwards, designer and lifestyle expert and Waterpik suggest the following tips for creating relaxation -inspired home decor:
The kitchen is often called the heart of the home, so it's wise to invest in kitchen materials that are better for you and your family. Caesarstone and Silestone countertops are hypo allergenic, non-porous, resistant to stains, ultra strong, and will always look elegant and amazing.
Consider using streamlined high gloss laminate fronts on cabinets for a sleek and clean look and use pull-out drawers behind each cabinet for more storage space. Remember, being organized can make anyone feel less stressed.
The bathroom is the start and end to your day. By simply changing your shower head, you can turn a regular shower into a true relaxing, spa-like experience. The stylish Waterpik EasySelect shower head, for example, has a spray selector located right on the handle, so you can change the spray settings from circular massage to full body coverage without having to reach through the water stream.
Use monochromatic colors to sooth you from the moment you walk in and opt for striking marble or glass tiles. By installing a glass shower enclosure, you'll be able to show off the gorgeous tiles, update the look of your bathroom and make the room look larger.
A natural material like grass cloth wallpaper is a great way to add color and texture to your walls in your living room, it has a very relaxed and sophisticated appeal to it. Paint the walls a color that conveys the feeling of relaxation like light shades of cream, white, green or greige (a combination of gray and beige).
Mix in a few natural elements like wood chairs and tables, cozy blankets, and fresh flowers, and you'll have a place that will feel comfortable to come home to every day.
Pick colors that are easy on the eye, like the blues and green, to evoke a sense of "rest." Change harsh overhead lighting for architecturally interesting lighting elements such as library sconces; place one on each side of the bed for the perfect reading lights.
Trade out your old worn-out shades for some natural wood blinds or bamboo shades and follow the look up by adding soft curtains to block out the light for a restful night's sleep.
For any space, a non-cluttered area will help you achieve a relaxed state of mind at home. Keep in mind that being comfortable doesn't mean being trendy; simply create your own style and just do what makes you feel your best.