THE IMPORTANCE OF AGRICULTURE - NATIONAL AG DAY – MARCH 24, 2020

Food brings everyone to the table. Visit agday.org to learn more about the importance of American agriculture and how to get involved with National Ag Day – March 24, 2020.

#AgDay20 

UNDERSTANDING YOUR CREDIT SCORE

A credit score tells lenders about your creditworthiness (how likely you are to pay back a loan based on your credit history). It is calculated using the information in your credit reports. FICO ® Scores are the standard for credit scores—used by 90% of top lenders.

5 TIPS FOR BETTER HOME SAFETY THIS SPRING

(Family Features) As people become more active during the warmer months, keeping home safety top of mind can sometimes go by the wayside. However, when it comes to fire and carbon monoxide safety, you can never be too prepared.

Whether you are just beginning to take a stronger safety-first approach or looking to upgrade existing home safety equipment, keep these tips in mind as you spruce up your home for the season.

Don’t Just Check Batteries, Check the Alarm  
 
It’s a good idea to review your safety equipment and ensure everything is in good working order at least a couple times each year.

For example, every type of smoke alarm must be completely replaced every 10 years whether it’s hardwired into your home or operates on a battery.

New smoke alarms commonly come with built-in 10-year batteries, meaning no battery changes, but it’s a good idea to test the units regularly. In fact, most manufacturers recommend weekly.

You can also use this time to double-check the gauge on your fire extinguishers, replace batteries in flashlights, test security systems and replenish first-aid kits.

Inspect and Repair Outdoor Areas
Set aside time to evaluate any damage or potential hazards as the weather warms. For example, fallen tree branches and leaves can become trapped in gutters and pose a fire hazard. Shutters and fences can also weaken over time. To make sure they’re in good working condition, check that they are securely fastened.

Take Advantage of Smart Technology
According to the National Fire Protection Association, 40 years ago people had an average of 17 minutes to escape a home fire, but today the average has decreased to about 3 minutes due to synthetic materials used in modern-day home furnishings. To get the earliest warning of a home fire, install wire-free interconnected battery-powered combination smoke and carbon monoxide alarms. When one alarm senses a hazard, all alarms throughout the home sound in unison. Features like color-coded status rings and built-in 10-year sealed batteries make Kidde's Wire-Free Interconnected Alarms a smart solution for optimal protection. They offer simple setup and operate without the hassle of hardwiring or a Wi-Fi connection.

Check Appliances
While going through your spring home safety checklist, take time to check your appliances or schedule an annual maintenance check for your stove, oven, heating system and more. According to the American Red Cross, dryers are responsible for approximately 9 of every 10 appliances fires. These common household appliances can collect dust, lint and other particles, which are potential fire hazards and can cause carbon monoxide leaks.

Keep Outdoor Activities in Mind
Cooking on grills is a popular pastime, but thousands of people are injured every year while using them. In fact, according to the National Fire Protection Association, nearly 9,000 home fires are started by grills each year. Now is a good time to get your home’s grilling area in tip-top shape. Keep a 3-foot safety zone around hot grills for children and pets, and have a multipurpose home fire extinguisher nearby as fires can occur unexpectedly. Propane and charcoal grills both put off carbon monoxide as a byproduct, so be sure keep your grill at least 10 feet from the home and ensure it is positioned away from windows, doors, vents and ductwork.

For more safety tips to better prepare your home, visit Kidde.com.

Photo courtesy of Getty Images (woman changing smoke alarm battery)
SOURCE:
Kidde

DAYLIGHT SAVINGS TIME IS ALMOST HERE: CLOCKS 'SPRING AHEAD' SUNDAY

Time marches ahead Sunday morning with the start of Daylight Saving Time. The change occurs at 2 a.m. Sunday March 8 across most of Canada and the United States, so set your clocks an hour ahead before going to bed Saturday night.

STARTING A HOME REMODELING PROJECT

7 tips for choosing a qualified contractor

(Family Features) Outside of the home itself, remodeling is typically one of the largest investments you can make as a homeowner. While some projects can be tempting to tackle yourself, many larger-scale projects may require hiring a qualified professional.

Because remodeling your home is a big undertaking, it’s important to take steps to ensure the professional you hire to perform the work is qualified to complete it to the highest standards of quality and integrity.

Consider these tips from the experts at the National Association of the Remodeling Industry to help you make an informed decision when hiring a remodeling contractor.

Get Recommendations
One of the best ways to find qualified, professional help is through word-of-mouth referrals. Ask your relatives, friends, neighbors or co-workers – particularly if they’ve recently renovated their own homes – if they have any previous experience with companies they would recommend. Also consider searching online for reviews of companies in your area.

Stay Local
It’s often best to consider established local remodeling companies first, as they are typically more compelled to perform high-quality work, which allows their businesses to thrive and remain in the community. Local professionals are also likely to know permit requirements and building codes in your city or county, which can change from year to year.

























Follow Your Design Aesthetic
Whether your home features a mid-century modern, contemporary or farmhouse design style, it’s critical to choose a remodeler who is knowledgeable in the construction and design of the style of your home. Additionally, a company that specializes in remodeling kitchens may not be suited for a bathroom or bedroom project.

Ask for Licenses and Insurance
Many states, but not all, require contractors to be licensed, bonded and insured. Ask for copies of licenses and insurance certificates for any remodelers you’re considering to make sure they’re current. Most states also require contractors to carry worker’s compensation, property damage and personal liability insurance for their crews. Contact your state or local licensing agencies to ensure the contractor meets the minimum requirements.

Check References
Once you’ve narrowed your list of potential contractors, ask for a list of references you can contact and a portfolio of work. A typical reference list includes 10 or more jobs with dates as well as the customer’s name, address and phone number, and a portfolio should also contain at least 10 projects with photos of the space before work began, during the project and after completion. If possible, also consider visiting a current job site to see first-hand how the contractor operates.

Search for Violations or Complaints
Because you can’t always rely on a portfolio or references, it’s important to also check with your local consumer affairs office or the Better Business Bureau to ensure there are no complaints on record for the contractors you’re considering, which may help further narrow your list.

Compare Apples to Apples
While a number of different factors goes into every remodeling project, be sure all contractors you solicit bids from are using the same scope and quality of work requirements. Discuss any significant variations in price or timelines and be wary of any substantially lower estimates.

Find more tips for selecting a contractor at remodelingdoneright.com.

SOURCE:
National Association of the Remodeling Industry

HELP YOURSELF TO HEALTHIER HUMMUS

(Family Features) Whether you’re hosting a houseful of guests or simply keeping your family’s hunger at bay before dinner, appetizers can be a home chef’s best friend. Simple options like dips allow for personalization while keeping cook time to a minimum.

The next time you’re looking for a quick fix, consider this Caramelized Sweet Onion Hummus recipe that’s ideal for pairing with pita bread, veggies or crackers. With the layered flavor, color and texture of onions serving as a key ingredient, it’s a nutritious substitute for less health-conscious appetizers and snacks.

In fact, onions can be called nature’s ninja because of their many “skills.” Onions add abundant flavor to a wide variety of foods with just 45 calories per serving as a source of dietary fiber, vitamin C, vitamin B6, potassium and other key nutrients such as folate, calcium and iron. They are also rich in heart-healthy nutrients and have been shown to help prevent some cancers.

Find more recipe ideas at onions-usa.org.

Watch video to see how to make this recipe!

Caramelized Sweet Onion Hummus

Recipe courtesy of the National Onion Association

• 1          whole garlic head
• 4          tablespoons, plus 1 teaspoon, extra-virgin olive oil, divided
• 1          large sweet onion, thinly sliced
• 1          can (15 ounces) chickpeas
• 1          tablespoon lemon juice (about 1/2 lemon)
• 1/2       cup tahini (toasted ground sesame seeds)
• 1          teaspoon salt

1. Heat oven to 350° F.
2. Cut top of garlic head off and place cut-side down on pan; drizzle with 1 teaspoon olive oil. Bake 20-30 minutes, or until garlic is soft. Once cool, squeeze garlic from each clove.
3. In large skillet over medium-high heat, cook onion in 1 tablespoon olive oil. Stir onion frequently until slices begin to brown. Reduce heat to low and continue cooking until onions are soft and reach medium brown color.
4. Rinse and drain chickpeas; reserve 3 tablespoons liquid.
5. In food processor, blend chickpeas, reserved liquid, lemon juice, tahini, garlic, salt, remaining olive oil and onions until combined and smooth. Serve with pita bread, veggies or crackers.

SOURCE:
National Onion Association

WELCOME A 4-LEGGED FAMILY MEMBER WITH CARE

Tips for a successful, lifelong pet adoption

(Family Features) Bringing home a new pet can be exciting and heartwarming. Before you get caught up in the excitement of adopting a pet, however, it’s important to do a bit of homework and have conversations to ensure you’re choosing a lifelong fit for your family.

When considering adopting, keep in mind that pets can provide as many benefits to you as you do them, such as helping to reduce stress, providing companionship, getting the daily recommended amount of physical activity and more. As you take your options into account, remember these guidelines from the experts at PetSmart Charities to prepare for a successful homecoming for your newest family member.

Life Stages
If you prefer a lower energy pet, seek a senior (age 7 or above) who may move a little slower. For higher energy, look for young puppies and kittens or active breeds such as Labradors, hounds, American terriers (commonly known as pit bulls) and mixed breeds.

For first-time pet owners, a healthy adult dog or cat can help teach new pet parents the joys of having a pet and may not require as much attention as a puppy or kitten.

Families with young children might consider a family-friendly breed or mixed breed such as a hound. Older kids may benefit from additional responsibilities such as walking the dog or cleaning the litter box.

Living Environment
In addition to the type and age of pet you adopt, you’ll need to consider the space you have available to welcome your furry friend.

If you live in a home, consider fencing your yard for more relaxed playtime. If you live in an apartment, discuss any restrictions with your landlord and find out where the closest dog parks are to ensure your dog gets plenty of exercise.

Dogs need a place to call their own where they’re contained overnight and while you’re not home until they can be safely left to roam. Get a crate so your new pet can have an ‘apartment’ within your home.

You should always have more litter boxes than you do cats; for example, if you have one cat make sure you have at least two litter boxes. Litter boxes need to be scooped daily and completely changed weekly.

Veterinary Care
Most adoptions come with a free veterinary check-up within the first week. Visit the veterinarian to have your pet’s vaccine records reviewed and ensure you know the best options for food, exercise and preventative care.

You can prevent many common diseases by keeping your pet at a healthy weight, current on flea, tick and heartworm prevention, fully vaccinated and on a high-quality diet. Preventing diseases costs less money than treating them, so discuss any concerns you have with your veterinarian.

Financial Considerations
Most pets come with annual veterinary bills between $200-500 and food bills between $200-400.
Adopting a pet can provide cost savings, however, as fees at shelters and adoption events are typically lower than breeders and many of these pets are already spayed or neutered.

To ensure your pet is covered in case of emergencies, consider options like pet insurance or opening a designated savings account and depositing 5% of your pay each pay period. If you take out an insurance policy as soon as you adopt your pet, he or she will not have any “pre-existing” conditions excluded from your insurance plan.

Find more tips for a successful pet adoption and locate upcoming adoption events in your community at petsmartcharities.org.

Photo courtesy of Getty Images

SOURCE:
PetSmart Charities