Word Of The Month…
Studies have shown that your income and
wealth is directly related to the size and depth of your vocabulary.
Here is this month’s word, so you can impress your friends. You may
even be able to fatten your wallet!
the quality of being calm and
Her mother possessed great equanimity
despite the child’s wild behavior.
Time To Clean-Up
Don’t you hate it when you are in the
middle of a cleaning project and find you have run out of something?
Instead of going to the store, try one of these simple substitutes:
- bleach or vinegar, but NOT together.
- alcohol, ammonia, or vinegar, but NOT together.
- a nylon net shower sponge
America On The Move
New housing seems to be a hot ticket.
The U.S. Census found that about 1.3 million new single-family homes are
being built each year in the U.S.
Over 50 percent of these homes are two stories, three bedrooms, and at
least two and a half baths. Of these,
70 percent of these homes are heated by gas, and 80 percent have central
Quotes Of The Month…
“Politics is supposed to be the
second oldest profession. I have come to realize that it bears a very
close resemblance to the first.”
“Happiness is having a large, loving, caring, close-knit family in
another city.” George Burns
“I am a great believer in luck, and I
find the harder I work the more I have of it.”
If you accidentally scorch the inside of
your favorite pan, try this simple clean-up tip. Just fill the pan
halfway with water and add ¼ cup of baking soda. Boil until the burned
particles float to the top.
Little Joey was given five-dollars to
put in the collection plate at church. When the offering came around, he
wouldn’t put it in.
After the end of the service, he went to
shake the pastor’s hand. He pulled out the five-dollar bill and gave it
to the pastor.
The pastor asked him, “Why are you
giving me this money? Why didn't you put it in the offering plate?”
The boy answered, “Because my mommy told
me you’re the poorest pastor we’ve ever had!”
All American Trivia
Who was the oldest elected
Ronald Reagan was 73 when he was
Who was the tallest
Abraham Lincoln was 6 foot, 4 inches tall.
Is it ever appropriate to
fly the flag upside down?
You may do so only in an emergency. It is a call for help.
What is a vexillologist?
A vexillologist is an expert in the history of flags.
Your Life Insurance Policy Properly Protecting You?
Having life insurance is one of the most responsible investments you can
make for your family. But choosing the type and amount of insurance can
be confusing. For example, should you buy term or whole life? Here are a
few simple guidelines to ensure you choose the best option.
of insurance –
Term and permanent (whole) are the two main types of life insurance. You
may want to consider combining the two types to provide your family with
the best coverage. Overlapping policies can give you more insurance
during the time in your life when children are dependent upon you. Some
term insurance can be converted to permanent later if you choose. Both
will usually require you to have a physical examination.
Term insurance is cheaper
than permanent insurance and usually offers more flexibility. Permanent
insurance is more expensive, but it offers you a savings plan of sorts.
Part of your premium goes toward the cost of the insurance while the
company invests the other portion. You can then borrow against the money
that has accrued in the policy over the years.
If you aren’t sure
how much life insurance you should have, go to www.calcbuilder.com
and choose the life insurance calculator. It will ask you for your
current income and debt information. Usually, 5-7 times your yearly
income is a reasonable amount.
of coverage –You
can choose different policy lengths. The most common are 10, 20, and
30-year policies. As you increase in years the policy premium increases,
but you are locked into that price. You should consider when your major
debts will be paid and when your children will be financially independent
in order to decide on a term length.
appropriate company –
Insurance companies are
rated on their financial stability by independent organizations such as AM
Best. The web site insure.com can provide you with these ratings.
If you choose to buy your life insurance through your work, be sure you
have additional private insurance because your work coverage will end if
you are terminated or quit.
How To Upgrade Your
Computer On The Cheap
You may not need to buy a new computer every few years to stay up with the
times. In fact, most fairly new computers can be inexpensively upgraded.
Upgrades such as creating more storage space and accelerating file access
speeds are among the most popular.
If file storage is what your old computer is lacking, then look to some
inexpensive external mechanisms. You can have a lot of fun researching
and testing external hard drives and back-up storage devices at electronic
If speed is what you are after, you may want to try defragmenting your
hard drive. This can be done with the use of special software. The
minimal cost of the $50 software could save you a bundle on upgrades. If
you still want to further improve processor speed, you can purchase
additional random access memory (RAM) at a fairly low price. Crucial.com
is a good web site that can help you purchase the right memory chip. If
the modem speed is what you are hoping to improve, you will need to be
sure your phone line can provide you with a higher speed if you upgrade.
In some situations, even if you install a faster modem, your phone line
won’t be able to supply you with a faster connection. You will need to
talk to your local phone company and on-line service provider to determine
if an upgraded modem would be helpful to you. Beware, older PC’s do not
allow for easy upgrades because of dated motherboards.
For some of the best prices on computer parts, you can visit
bizrate.com. This site compares items at over 1,500 companies and
gives you the best deal.
More Than Just A Bad
You know the feeling. Only a few short hours after you eat, you begin to
get nauseous. Typical food poisoning usually includes nausea, vomiting,
cramping and diarrhea. If it happens to you, try to drink lots of water,
diluted juice, or sport drinks to help keep your body well hydrated.
Don’t eat anything until the majority of the symptoms have subsided. Then
eat bland foods like rice or bread.
But, what should you do if the symptoms don’t subside? Sometimes you may
have more than just a little discomfort. Doctors warn that dizziness, a
high fever, or sharp pains that last more than 15 minutes could be signs
of something serious. If you experience any of these things or if you
pass blood or continue vomiting for more than eight hours, you need to
seek medical help. A microbe that needs to be treated by an antibiotic
may be causing the symptoms.
To help you avoid getting food poisoning, may sure meat and poultry are
fully cooked. You also may want to avoid shellfish, and any food that has
been left out of the refrigerator for a long period. Most food poisonings
occur at buffets or picnics because the food is exposed to the heat for
Real Estate Corner…
Q. I’m Thinking About
Getting A Home Improvement Loan. How Should I Go About The Process?
You have two options. You can either get a home equity loan or a home
equity line of credit. Both are secured by a lien against your home.
Each has their advantages and disadvantages
home equity loan gives you a set amount of money up front and then allows
you to pay it back in a set monthly amount. It’s frequently organized
like a typical loan payment plan. Usually, lenders will let you borrow up
to 85 percent of the appraised value of your home minus the
amount of the unpaid mortgage. The interest rates on this type of loan
are some of the lowest rates available and the interest you pay is
On the other hand, a home equity line of credit allows you to
draw upon a pre-approved loan only when you need the money. Then, you
only make payments when there is an outstanding balance. You can often
access this line of credit using either a check from that account or a
special credit card. One of the downfalls of the line of credit is that
it may have a set amount of time you are allowed to draw upon the
available funds. If your home improvements exceed the time limit, you
will need to be sure you can either get an extension or another line of
credit. Some of these plans also have a deadline when all of the money
must be repaid in full. Both of these aspects limit the time flexibility
for your home improvements to be completed.