Gunning Daily News
May 21, 2012 6:06 pm
By Dr. Patricia Nan Anderson
Maybe you’ve already decided that this summer, your kids will stay home by themselves while you go to work. It might be that day camp or babysitting is just too expensive. It might be that your kid thinks he’s too old for supervision. Your plan might even be that the oldest child will watch the younger ones.
If you’ve decided that this summer your kids will be home alone, then it’s probably useless to try to talk you out of that. What you need is a little advice on how to pull this off.
1. Kids under the age of 10 need supervision, no matter what they say. While state courts do not endorse an age at which it’s okay to leave children home alone, states do tend to agree that leaving 10-year-olds home alone is not automatically an indicator of neglect. This means that your younger children must be enrolled in childcare of some sort or supervised at home by someone obviously capable of the task.
1. Kids between 10 and 16 need careful scheduling if they are home alone. Kids and teens shouldn’t have the entire day to spend however they wish. Idle hands still are the devil’s workshop, as the old saying goes, so keep your kids busy even though you’re not there. Set a time for getting out of bed each day, assign daily chores, set goals for daily reading or other study, and work with your kids to create special projects, sports participation, and other activities. Your children’s days should be packed with approved activities.
2. Kids between 10 and 16 need explicit rules and guidelines. Make certain you and your children understand who is permitted to be in the house and yard, how far your kids may go away from home, and what to do in case of various emergencies. Tighten up the filters on the television and computer. Stock the fridge and pantry with only healthy foods. Make certain that kids include care for pets in their thinking, so that the family animals are not neglected or endangered.
3. Kids between 10 and 16 need checking-on. Require a phone call at breakfast, again at lunch, and in the middle of the afternoon. Make yourself available to take these calls in person – they shouldn’t just go into voicemail. Keep in mind that your child may not be entirely comfortable being home alone and a quick conversation with you may be necessary to help your kid get through the day. Checking-in is not just for checking-up but supports your child’s ability to manage.
4. Kids get into trouble, so expect it. If you’re asking your kids to manage themselves responsibly, you’re asking a great deal of brains that are not fully developed and moral perspectives that are not entirely ready to be tested. Expect that your kids will do things that are forbidden and will lie to you about it. Keep your eyes open and be ready to reteach and support your kids even more. Remember that their missteps are a result of your decision to rely on their incomplete abilities and are not entirely their fault.
If your summer plan hinges on an older sibling watching younger brothers and sisters, understand that the older child will need a great deal of support. Consider how hard it is for you to be a parent when kids are home on school vacation, despite your experience and authority. An older sib has little experience and may not be able control younger kids. He or she may struggle to keep the little ones fed and cared for, let alone entertained. Certainly do not attempt leaving a child under 14 in charge of younger kids, and be careful in deciding to let even high school kids manage several children. Asking this of your teen is asking a great deal.
Keep in mind that you are the parent here and even if you ask your children to be responsible for themselves during the day this summer, you are still the responsible party. It’s hard work to coordinate things when you’re not on the scene and it requires constant communication with your kids and lots of support. If you can work from home, even a couple days a week, that might be helpful to the entire family. If you can find a responsible adult who already works from home and can work from your home during the summer, which might be another way to keep your kids supervised and safe.
Whatever you decide, keep your kids’ well-being in mind. That’s the key to a happy summer.
© 2012, Patricia Nan Anderson. All rights reserved.
May 21, 2012 6:06 pm
Foreclosure. Legal action instigated by a lender to end all ownership rights when mortgage payments have not been kept up.
May 21, 2012 6:06 pm
A: Chances are you will need plenty of help making those major repairs and additions. But the last thing you will need is someone who fails to complete the job or botches it up. Finding good, responsible help is imperative.
Here’s what you can do:
• Avoid the Yellow Pages. Check with family, friends, neighbors and co-workers for recommendations.
• Deal only with licensed contractors. The state licensing board and local Better Business Bureau also can tell you if there are any outstanding complaints against the license holder.
• Interview each contractor, request free estimates, if possible, and ask for recent references.
• Ask for proof of worker's compensation insurance and get policy and insurance company phone numbers so you can verify the information. If the contractor is not covered, you could be liable for any work-related injury that takes place during the project. Also check to make sure the contractor has an umbrella general liability policy.
• Never hand over a deposit at the first meeting – you could end up losing your money.
May 21, 2012 5:06 pm
On Earth Day, I learned about the VISION House in INNOVENTIONS at Epcot at the Walt Disney World Resort. Inspired by Green Builder Media’s VISION House home series, guests can explore the major themes of whole-home automation, energy generation and efficiency, water conservation, indoor environmental quality and high-performance materials and durability.
In the next couple of segments, we'll take a look at some of the most advanced systems on display at VISION House.
The most curious collaboration has to be with the National Fire Protection Association, whose innovative exhibit showcases home fire sprinklers as an important addition to the home. Through this partnership with Green Builder Media, NFPA President Jim Shannon hopes to educate visitors on the key environmental benefits of sprinklers.
It's a startling fact, but Shannon says greenhouse gases released by burning buildings can be reduced by 98 percent when automatic fire sprinklers are installed.
The study, conducted for the Home Fire Sprinkler Coalition (homefiresprinklers.org) also found that automatic sprinklers can make a favorable global or environmental impact because they reduce fire damage up to 97 percent; reduce water usage to fight a home fire by upwards of 90 percent; and reduce the amount of water pollution released in the environment.
The VISION House role is tied to the NFPA's coordinated effort to encourage the use of home fire sprinklers through the “Bringing Safety Home” initiative, which includes a variety of proven, effective ways that home fire sprinkler advocates can communicate the impact of sprinklers.
Among the most important stats - the NFPA points out that:
• If you have a reported fire in your home, the risk of dying decreases by about 80 percent when sprinklers are present.
• People in homes with sprinklers are protected against significant property loss—sprinklers reduce the average property loss by about 71 percent per fire.
• Home sprinkler systems respond quickly to reduce the heat, flames, and smoke from a fire, giving families valuable time to get to safety.
• Roughly 85 percent of the time, just one sprinkler operates.
May 18, 2012 4:38 pm
I have visited the subject of Homeowner Associations (HOAs) in the past, but it recently became apparent that HOAs are still making headlines - this time because many are still working to prevent the installation of energy saving solar panels. This is a conflict that is perplexing, to say the least.
Even where there are state laws on the books preventing the practice, HOAs around the country are apparently still preventing the installation of solar panels, and the solar industry and individual consumers are fighting back for their right to produce their own, green energy.
Today, about two-dozen states currently forbid or limit HOAs or local governments from banning solar panels, according to a database run by North Carolina State University. But as equipment costs trend down and governments subsidize the cost of solar panels and systems, the issue is sure to continue plaguing energy-conscious consumers who are part of HOAs.
While California's solar rights laws date back to the late 1970s, an appellate court recently upheld a decision forcing a couple to remove solar panels from their yard - although they were permitted to keep other panels on their roof.
Texas has also adopted a law barring homeowners associations from blocking solar panels, permitting them on roofs, in fenced-in yards or on patios. And by this time next year in Georgia any neighborhood or association that does not set a ban will be unable to restrict a homeowner from installing solar panels.
On the other hand, if you are part of a HOA looking to find a compromise to suit energy-conscious residents, take a look at some advice from Molly Foley-Healy at Winzenburg, Leff, Purvis & Payne, LLP who posts on the subject at the Colorado Homeowners Association Law blog.
She noted that in Colorado, HOAs are permitted to adopt aesthetic provisions (commonly referred to as “architectural guidelines”) that impose reasonable restrictions on the dimensions, placement or external appearance of solar panels and that do not significantly increase the cost of the solar panels; or significantly decrease the performance or efficiency of the solar panels.
Associations are also permitted to adopt bona fide safety requirements, required by an applicable building code or recognized electrical safety standard, for the protection of persons or property.
May 18, 2012 4:38 pm
With the leisure and reward of retirement a few short years away, the majority of baby boomers—born between 1945 and 1966—are confident they have adequately planned and saved for their golden years. This is according to new research from investing services company Scottrade, Inc., which also found that 56 percent of baby boomers expect to fully retire between the ages of 55 and 74.
DIY Retirement Planning
Overall, 72 percent of Americans report a strong level of confidence in their ability to plan their own retirement. That confidence comes from two actions: discussing retirement plans and savings strategies with others, and monitoring the news. Thirty-nine percent also said their self-assurance came from the fact that they preserved most of their retirement savings through the economic downturn.
"More online and in-person investment education opportunities are available to Americans than ever before," said Kim Wells, Scottrade's executive director of product development and chief marketing officer. "The availability of easy-to-use online trading and investing tools is empowering investors to build their portfolios and take charge of their financial futures themselves."
Retirement Fund Trends
Scottrade's research found that more than half of Americans, at 55 percent, are actively planning their retirement without the help of an advisor. This do-it-yourself action plan seems to be working. The majority of Americans did not see the value of their retirement accounts decline last year, and 73 percent reported the value of their retirement accounts either increased or stayed the same.
For Americans who saw a decline in their account value, 67 percent expect to recover those losses within 10 years. In response, a growing number of Americans are looking to save more in order to rebuild their retirement accounts, and 35 percent of Americans plan to save up to 10 percent more.
Staying on Track
For those who are uncertain whether they're contributing enough to their retirement fund, online calculators make it easy to determine how much should be contributed annually, based on age, income and retirement plan.
May 18, 2012 4:38 pm
Americans are known for spending long hours in the office, and their eyes often pay the price.
“Many people suffer from a problem called computer vision syndrome,” says Severin B. Palydowycz, MD at Hudson Valley Ambulatory Surgery, LLC. “As a result of looking at a computer screen during hours at the office as well as at home, they can develop a combination of eyestrain, headaches, blurred vision, and dry eyes.”
Computer vision syndrome is caused by several different factors, not just the computer screen. Poor lighting, glare, inadequate breaks, the wrong chair, improper positioning of the keyboard, and other aspects of the office environment all can contribute to eye discomfort. Dr. Palydowycz points out that unrelated and untreated common vision problems such as farsightedness and aging of the eyes can make symptoms worse.
“The good news is that computer vision syndrome can be treated with simple changes to an office environment,” notes Dr. Palydowycz. He offers the following suggestions:
• Adjust overhead, desk and window lighting, shades, and computer screen position to control glare.
• Position the computer screen 4 to 5 inches below eye level and about 20 to 28 inches away.
• Adjust the contrast and brightness on your screen and change font size so that type is easy to read.
• If possible, locate documents where you can see them without moving your head away from the screen.
• Consider getting glasses specifically for computer and desk work.
• Follow the 20-minute rule – for every 20 minutes of screen time, look away at something 20 feet away for 20 seconds to relax your eyes.
• Blink often.
Sources: http://www.hudsonvalleyambsurg.com , http://www.tristateeye.com
May 18, 2012 4:38 pm
First mortgage. Mortgage on a property that is superior to any other. It is the first to be paid in the event of foreclosure.
May 18, 2012 4:38 pm
A: It depends. So-called “bad” areas – often described as those that are residentially unstable or poor – have offered an affordable means of homeownership for many – particularly young, first-time buyers and low- to moderate-income families interested in a home they can call their own. Whether it is right for you to buy a fixer-upper will depend on your personal threshold for risk and your level of tolerance. That said, however, many run-down neighborhoods, particularly those close to downtown, are benefiting from a residential resurgence as an influx of newcomers jump-start what were once staid, unsafe or depressed areas.
May 18, 2012 4:38 pm
(ARA)—Buying your first home will likely be one of the most exciting and scary times of your life. Beyond the basic considerations - location, number of bathrooms, ranch style vs. multilevel - there are a number of important financial factors to determine before deciding which house is right for you.
1. Determine how a home purchase will affect your current lifestyle. In addition to the overall expense of the home, it is important to consider how long you plan to stay in the home, as well as your overall debt, both on credit cards and other loans. According to Investopedia.com, affordability should be the No. 1 thing you look for in a home, but you also need to be stable enough to know you are going to want to live in the home you pick for at least 10 years. If not, you could get stuck in a home you can't afford in a city you're ready to leave.
Not surprisingly, location not only affects affordability, but also potential resale value. Amy Hoak of MarketWatch states, "Homes located within walking distance of amenities such as schools, parks and shopping aren't only more convenient for their owners, often they're also worth more than homes in neighborhoods where driving is the rule." Consider your lifestyle when you choose a location. Spending more to live within strolling distance of your favorite shops and restaurants is only valuable if you'll take advantage of that proximity. BankRate.com offers a handy tool to help predict your monthly mortgage payments in different communities.
2. Consider your options for purchasing a home. Building a new home gives you greater control over style and finishes, though your move-in date will depend on the construction schedule. Newer existing homes will likely require fewer updates than an older home, but may be priced at a premium. If you are shopping for a starter home, consider your plans for the future. A smaller house may require less home maintenance and upkeep, but if you are looking for a larger long term investment and a place to grow and raise a family, opting for more space from the get-go may make the most sense.
3. Whatever the condition or age of the home you purchase, there's always the chance you'll want to make some changes, such as renovating a bathroom or upgrading your kitchen, or remodeling parts of the home to accommodate an expanding family. Try to anticipate and factor these costs into your total budget before purchasing a home. When it's time for these changes, will you be ready financially?
According to Consumer Reports, kitchen and bathrooms are at the top of homeowner's wish lists in terms of rooms that need work. Luckily, updating the kitchen or bathroom to reflect your personal style doesn't have to be an expensive task. Replacing your plumbing fixtures and finishes can dramatically transform the space.