(ARA) – Your 4-year-old may already know how to tie their own shoelaces and spell out their first and last names. But as preschool looms around the corner, are you worried how well they’ll fit in with the rest of the classroom?
According to a nationwide survey conducted of 1,000 parents by Mom Central Inc. on behalf of Hasbro Inc., the majority of parents feel the same way with 90 percent considering social skills to be vital to their children’s happiness and confidence.
Nearly eight out of 10 parents also think social skills are more important than academic skills when it comes to their child’s overall happiness. As a matter of fact, parents gave social skills a higher ranking than academic skills on the survey in nearly every area of child development.
“More than ever, our children must get along with others to function effectively,” says Stacy DeBroff, chief executive officer of Mom Central, found at www.momcentral.com. “In this age of team sports and structured play, it has never been more critical for our children to master socialization skills. From children’s play groups to collaboration in the classroom, kids today engage in significantly more structured group activities, raising the profile and the necessity for good social skills.”
According to the survey, one in five parents feel overwhelmed with teaching social skills and more than one-third say that teaching social skills leads to frustration. In response, Stacy DeBroff has developed some tips parents can use to help their child learn social skills in a positive and reinforcing way:
* Lead by example.
Children are excellent observers. If they see Mom and Dad using polite language, sharing and being respectful, they will follow their parents’ guidance.
* Play with them in an educational way.
Children love to play games with their parents because it provides them with direct attention. Noodleboro by Hasbro is a new line of board games, which includes storybooks and audio CDs that nurture preschoolers’ social skills through laughter and play.
* Take a problem-solving approach.
If a situation becomes stressful, encourage your child to talk about the issues they might have with saying “please,” and “thank you” or sharing their toys with their friends. By allowing children to talk, they often discover for themselves what’s causing the problem while also coming up with unique ways in which they will be able to handle themselves.
“It’s more than just manners… it’s sharing, it’s listening, and it’s engaging with others. The Noodleboro games offer an innovative way to use a classic board game to reward and challenge kids as they learn valuable social skills,” says DeBroff.
(ARA) - As you re-examine your monthly expenses to cover the escalating costs of food and fuel, it’s important to consider life insurance in your plans. While it may be tempting to think a life insurance policy is out of reach in today’s economy, it’s actually more affordable than you think -- especially if you plan for it in the same way you budget for everything else.
The reason for doing so is simple. Most of us dream of being financially secure to enjoy life’s pleasures and to protect loved ones. We all hope to achieve milestones such as purchasing a home, having children, enjoying vacations, sending the kids to college and having a nest egg for retirement.
We also have the best of intentions to save and put money aside if emergencies arise, but as we all know, it’s very challenging. However, preparing a financial plan can help you navigate through life’s events to achieve these goals. A critical component of a sound plan is life insurance, the backbone of financial security.
“As the saying goes, it’s always better to be prepared, and life insurance can help you plan for the unexpected,” says Christopher Pinkerton, president of the United States division of Foresters, a leading fraternal benefit society that provides members innovative life insurance products and membership benefits. “People often believe they can’t afford this type of protection, but in reality, they can’t afford not to -- it ensures financial security for both today and tomorrow.”
Life Insurance Costs Decreasing
As the cost of everyday essentials rises -- from gas to groceries -- you’d think the cost of life insurance would, too. However, the average cost of term life insurance has decreased significantly in the past decade, according to statistics from the Insurance Information Institute.
For example, a 40-year-old nonsmoking man healthy enough to qualify as a standard risk paid $1,300 per year for a $500,000, 20-year plan in 1996. In 2008, a man in the same circumstances could expect to pay $725 per year.
Why does life insurance cost less today? The good news is people are living longer due to positive lifestyle changes and improvements in medical technology. The average man will now live until 75 instead of 70. The average woman will live to 80 instead of 77, says the U.S. Department of Health and Human Services. Increased life expectancy has resulted in lower premium rates.
Budget-friendly Protection
How do you put aside money for life insurance when your wallet is already being stretched? Start by creating a month-by-month budget, setting a savings goal and projecting your financial needs. A qualified professional financial advisor can help you assess your situation, determine future goals and show you how to achieve these milestones.
Minor adjustments to everyday spending habits can also have a big impact. For example, if you choose to carpool to save on gas, consider a similar adjustment to pay for life insurance, such as going out to dinner less often. Say you eat out once a week and the bill averages $50. By sacrificing one dinner a month, you can afford a quality life insurance policy and provide needed protection for you and your family.
“By investing a relatively small amount monthly for a quality life insurance policy, you are taking a positive step toward ensuring that your family can keep the house, send the kids to college or sustain the family’s livelihood if there’s a loss of one or both income providers,” says Pinkerton. “Some life insurance products can also provide savings and investment options for a home, a family bequest or even a vacation.”
Including life insurance in your budget can help keep you and your loved ones financially healthy for whatever the future may bring, filling the gap between financial needs and financial realities. Everyone, no matter whether you are single, married and starting a family, or entering retirement, needs life insurance because it provides financial protection for an uncertain future.
Where to Start
A good first step is to try an insurance-needs calculator to estimate how much life insurance you may require. Conventional wisdom recommends households should carry anywhere between five to 10 times their annual income in life insurance. You can find a calculator at: www.foresters.com/calculator.
Following this, find a qualified financial professional you can really talk to who understands your needs. A customized approach, identifying financial goals and priorities, as well as an analysis of your financial needs and risk tolerance is a critical part of the process. From there, you and your advisor can decide what type of life insurance and how much is right for you.
For more information on your life insurance needs and to find a qualified life insurance representative, visit www.foresters.com
(ARA) – With the economy reeling and home loan rates at a nine-month high, lenders are scrutinizing everyone’s credit history like never before. Yet, many Americans don’t realize the impact of late payments on their credit score and their finances.
In fact, mortgage loan delinquency reached a national average high of 3.23 percent for the first three months of 2008, according to Trend Data from TransUnion.
“Being knowledgeable about your credit standing is becoming increasingly more important by the day,” says Lucy Duni, vice president of TrueCredit.com. “Businesses, ranging from insurance companies to wireless providers and some employers, are now reviewing consumer credit information as a routine part of their application processes.”
When it comes to credit, knowing fact from fiction and understanding how to act is critical. Here are some common credit myths that may be preventing you from engaging in effective credit management:
Myth: My score will drop if I check my credit.
Fact: Checking your own reports and scores is considered a “soft inquiry” and has no negative impact on your credit score.
Myth: Reviewing any one of my three credit reports occasionally will tell me everything I need to know about my credit standing.
Fact: Occasional monitoring will give an incomplete snapshot of your credit standing. You should, instead, check all three of your credit reports and scores frequently throughout the year because the information and scores contained in each of those reports can vary at any given point in time.
Myth: There’s only one score that all lenders use to determine my credit-worthiness.
Fact: There are literally hundreds of different scoring models used by lenders in the marketplace today.
Myth: Closing old credit card accounts will clean up your credit reports.
Fact: Some people advocate closing old and inactive accounts as a way to manage their credit. In most cases, closing your older accounts will make your credit history appear shorter, which can negatively impact your overall credit standing.
Myth: Once you pay off a delinquent loan or credit card balance, the item is removed from your credit report.
Fact: Negative information such as late payments, collection accounts and bankruptcies will remain on your credit reports for up to seven years. Certain types of bankruptcies stick around for up to 10 years. Paying off the delinquent account won’t remove it from your credit report, but it will update the account to indicate it as “paid.”
Myth: If I don’t pay a medical bill on time because I believe it is incorrect, I can’t be held accountable.
Fact: If you fail to pay a medical bill in a timely manner, the delinquent payment may be reported as late to a credit bureau. If you believe a medical bill you have received is wrong or was sent to you in error, it’s best to contact the provider to resolve or discuss the matter prior to the bill becoming past due.
Myth: The “credit bureaus” report people as having either good or bad credit.
Fact: Credit reporting companies compile information that is provided directly and voluntarily by consumer lenders. If you have a credit card, home or auto loan, or make other monthly payments, details of your payment track record on these are likely being reported by those parties.
For more details about credit myths, visit TrueCredit.com.
(ARA) – The latest rage in home improvement is an “outrage” – the new a.k.a. for the still-booming trend of expanding outdoor living spaces.
Long gone are the days when homeowners were satisfied with a simple deck, a beat-up grill and some basic patio furniture. The “Outrage” trend brings living rooms, baths, home spas, full kitchens and even meditation rooms into the great outdoors. Stone fireplaces, built-in grills, water features, multiple levels for patios and decks, hot tubs and even flat-screen TVs – all the luxurious appointments of indoor life are finding their way into outdoor environments.
Demand is high for building and decorating materials that blend luxury and beauty with durability and weather resistance. Appliances need to withstand climate changes and exposure to the elements. Furniture needs to be trendy, tasteful and able to stand up to Mother Nature. Flooring, in particular, must blend beauty and strength.
Ceramic tile, long favored for indoor areas that require a perfect balance of looks and durability, is emerging as a preferred outdoor building material. Ceramic tile transitions smoothly from indoor to outdoor living spaces, offering the ability to endure extreme temperature changes and other natural forces. Plus, new innovations in digital printing and gorgeously designed products from producers of Tile of Spain make it a high design choice.
The “Outrage” lifestyle focuses on turning homes into a personal oasis. Ceramic tile reminds consumers of the luxurious experience they find in upscale spas and resorts, where ceramic tile is often the material of choice for common areas. What’s more, technological advances have produced tile that evokes the look of some very hot decorating trends.
For example, Tile of Spain manufacturer Apavisa makes a Lava series tile that resembles industrial poured concrete (an up-and-coming design look). Unlike concrete, however, the tile is resistant to extremes of heat and cold, won’t crumble or crack, and will look newly installed for years to come. The look is ideal for outdoor pools, hot tubs or cabanas.
Meditation rooms are cropping up in homes and offices around the world. Manufacturer Roca has developed a Zen tile that looks like the raked sand of an Asian garden. A perfect foundation for an outdoor retreat, the tile transitions easily indoors as the floor of a personal meditation sanctuary.
While decks remain a key component of the “Outrage” trend, environmental and durability concerns have homeowners looking for building materials other than wood. If a composite deck, made of recycled materials, isn’t to your liking, it’s possible to achieve the look of wood in a durable ceramic tile. Grespania’s Escandinavia series resembles wooden planks, grain and character included. Easy to maintain and clean, this tile delivers the charm and look of wood with the added environmental perk that no trees need be cut to create it.
For more ideas on how to incorporate ceramic tile into your “Outrageous” outdoor living space, visit www.spaintiles.info.
(ARA) - As teens head back to the classroom this fall, they’ll be assigned a lot of homework in the three “Rs”: reading, writing, and arithmetic. Important to students’ success will be the homework parents do in teaching two other “Rs”: role modeling and responsibility.
“A parent’s words and actions provide powerful role modeling,” explains Lonnie Carton, PhD, director of teen and family resources for the Web-based “Warm2Kids” program and an advisory panel member of the “Family Talk About Drinking” program. “They teach teens what kind of behavior is expected of them and how to make good decisions. Responsible decisions include obeying the law and not getting involved in underage drinking.”
Although some parents think peer pressure is the major cause of underage drinking, the fact is parents, not peers, have the greatest influence on their teens’ choices related to this issue. According to the 2008 GfK Roper Youth Report(TM) , 71 percent of teenagers 13 to 17 say their parents are the No. 1 influence on their decisions about whether to drink.
“Parents who communicate with their sons and daughters regularly, openly and honestly on a variety of issues find it much easier to talk with and listen to them on sensitive subjects like alcohol,” Carton advises. “At the start of this new school year, I encourage mothers and fathers to take the time to sit down with their children. Discuss expectations, and emphasize the importance of making wise choices not only about underage drinking but about all other decisions.”
Carton offers these guidelines to parents for remaining a positive influence in the lives of teens:
Be Factual. Give teens the facts about underage drinking in a calm, clear manner. Simply say something like, “It’s against the law for anyone under 21 to use alcohol; our family obeys the law and we expect you to do the same.”
Know Your Child’s Friends and Their Parents. Being aware of other families’ values and rules will help you better understand what pressure your child’s friends may be putting on him or her.
Get Help if You Need It. Be aware of any changes in your teen’s behavior or attitude such as suddenly doing poorly in school, hanging out with a different group of friends whom you don't know, or becoming disinterested in sports, music or other activities which once meant a lot, etc. If such changes occur, seek professional advice right away.
For more tips and information on responsible role-modeling, visit www.myspace.com/positiveparenting. For “Family Talk About Drinking” materials, visit www.familytalkonline.com or call (800) 359-TALK (1-800-359-8255). The materials are provided free-of-charge as a community service of Anheuser-Busch.
(ARA) - Imagine leaving a window open all winter long -- the heat loss, cold drafts and wasted energy! If your home has a folding pull-down attic stair, a whole house fan, a fireplace or clothes dryer, that may be just what is occurring in your home every day.
Drafts from these often overlooked holes waste energy and cost you big in the form of higher energy bills.
Drafts are the largest source of heating and cooling loss in the home. Drafts occur through the small cracks around doors, windows, pipes, etc. Most homeowners are well aware of the benefits that caulk and weather-stripping provide to minimize energy loss and drafts.
But what can you do about drafts from the four largest “holes” in your home -- the folding attic stair, the whole house fan, the fireplace and the clothes dryer? Here are some tips and techniques that can easily, quickly and inexpensively seal and insulate these holes.
Attic Stairs
When attic stairs are installed, a large hole (approximately 10 square feet) is created in your ceiling. The ceiling and insulation that were there have to be removed, leaving only a thin, unsealed, sheet of plywood.
Your attic space is ventilated directly to the outdoors. In the winter, the attic space can be very cold, and in the summer it can be very hot. And what is separating your conditioned house from your unconditioned attic? That thin sheet of plywood.
Often a gap can be observed around the perimeter of the attic door. Try this yourself: at night, turn on the attic light and shut the attic stairway door -- do you see any light coming through? If you do, heated and air-conditioned air is leaking out of these large gaps in your home 24-hours a day. This is like leaving a window or skylight open all year ‘round.
An easy, low-cost solution to this problem is to add an insulated attic stair cover. An attic stair cover seals the stairs, stopping drafts and energy loss. Add the desired amount of insulation over the cover to restore the insulation removed from the ceiling.
Whole House Fans and Air Conditioning Vents
Much like attic stairs above, when whole house fans are installed, a large hole (up to 16 square feet or larger) is created in your ceiling. The ceiling and insulation that were there have to be removed, leaving only the drafty ceiling shutter between you and the outdoors.
An easy, low-cost solution to this problem is to add a whole house fan shutter seal. Made from white textured flexible insulation, the shutter seal is installed over the ceiling shutter, secured with Velcro, and trimmed to fit. The shutter seal can also be used to seal and insulate air conditioning vents, and is easily removed when desired.
Fireplaces
Sixty-five percent, or over 100 million homes, in North America are constructed with wood or gas burning fireplaces. Unfortunately there are negative side effects that the fireplace brings to a home, especially during the winter heating season. Fireplaces are energy losers.
Researchers have studied this to determine the amount of heat loss through a fireplace, and the results are amazing. One research study showed that an open damper on an unused fireplace in a well-insulated house can raise overall heating-energy consumption by 30 percent.
A recent study showed that for many consumers, their heating bills may be more than $500 higher per winter due to the drafts and wasted energy caused by fireplaces.
Why does a home with a fireplace have higher energy bills? Your chimney is an opening that leads directly outdoors -- just like an open window. Even if the damper is shut, it is not air-tight. Glass doors don’t stop the drafts either. The fireplace is like a giant straw sucking your expensive heated or air-conditioned air right out of your house!
An easy, low-cost solution to this problem is to add a Fireplace Plug to your fireplace. Available from Battic Door, a company known for their energy conservation products, the Fireplace Plug is an inflatable pillow that seals the fireplace damper, eliminating drafts, odors, and noise. The pillow is removed whenever the fireplace is used, then reinserted after.
Clothes Dryer Exhaust Ducts
In many homes, the room with the clothes dryer is the coldest room in the house. Your clothes dryer is connected to an exhaust duct that is open to the outdoors. In the winter, cold drafts in through the duct, through your dryer and into your house.
Dryer vents use a sheet-metal flapper to try to reduce these drafts. This is very primitive technology that does not provide a positive seal to stop the drafts. Compounding the problem is that over time, lint clogs the flapper valve causing it to stay open.
An easy, low-cost solution to this problem is to add a dryer vent seal. This will reduce unwanted drafts, and also keeps out pests, bees and rodents. The vent will remain closed unless the dryer is in use. When the dryer is in use, a floating shuttle rises to allow warm air, lint and moisture to escape.
For more information on Battic Door’s energy conservation solutions and products for your home, visit www.batticdoor.com or, to request a free catalog, send a self-addressed stamped envelope to P.O. Box 15, Mansfield, MA 02048.
(ARA) - Helping a parent move to senior housing can seem more intimidating than orchestrating a rocket launch.
The death of a spouse, declining health or safety concerns can trigger the need to move. The first phase comes with the realization that what has been home is no longer suitable.
Emotional ties to a place are hard to overcome. Finding a new home that is appealing and appropriate is no easy task, and neither is culling through a lifetime’s accumulation of “stuff.”
It may not take a rocket scientist to work through this multi-phase life change. But finding a professional who knows the ropes can make it easier for the more than 29 percent of home sellers age 65 and older who move into an active-adult community or senior-related housing each year.
That professional may be a Seniors Real Estate Specialist (SRES), an agent who receives special training and demonstrates the expertise to navigate the unique housing needs of clients age 50 and older. “Services to seniors are changing to meet the lifestyles we live. Senior communities are changing to meet the expectations of baby boomers and today’s retirees, too,” says Carol Kairis, managing director, SRES Council and Specialties, National Association of Realtors.
“The range of senior housing options is diverse and would surprise many Americans who often think of senior housing as only nursing homes. Assisted living facilities address the needs of those who need support services, and continuing care retirement communities are wonderful options for those who wish to age in place.”
Nationwide, more than 16,000 realtors have attained the SRES designation. In the same way a real estate agent recommends a plumber or landscaper to a client, an SRES agent assembles a team to address client needs -- repair companies, professional organizers, estate sales agents, and senior move managers who pack, transport and unpack in the new location.
“An SRES agent can help you develop a strategy, then bring in a team to help take one room at a time to organize and dispose of goods. They can help you decide where you’re going to go, and recommend a mover,” says Armand Christopher, a seasoned SRES real estate broker and member of the SRES National Advisory Board of the National Association of Realtors.
Christopher has an active practice in the Dallas-Fort Worth area and offers these tips no matter where seniors live:
1. Plan ahead. Don’t wait for a health crisis to start the process. The smoothest transitions occur when the person moving is in the driver’s seat.
2. Engage professionals. SRES agents understand the dynamics of a senior move. They are trained about the benefits and drawbacks of reverse mortgages and can help you understand how to use pensions, 401K accounts and IRAs in real estate transactions. They also know how Medicare, Medicaid and Social Security will affect your real estate decisions.
3. Get a full assessment of the current situation. Physical care needs and financial resources are where to start. Consider the costs of staying in place, including renovation and ongoing maintenance. Add the cost of rising utility bills and taxes, and don’t forget transportation and food. Make a list and decide whether it’s cheaper to stay or move to a community designed for seniors.
4. Take a multi-phase approach. Christopher says his customers often take longer than a year to actually make the move. An SRES agent can connect the senior with professionals to help walk through the process.
5. Fully explore new housing options. Senior living offers a broader range of options than ever before. SRES agents have an understanding of the services each type of community can provide and can best match the client with the right place.
Christopher and other SRES professionals use SNAPforSeniors (www.snapforseniors.com), an online search tool that is akin to the Multiple Listing Service for senior housing. The SNAPforSeniors database includes more than 60,000 licensed senior housing facilities in the country and is available at no charge.
“It’s a great tool,” Christopher says. “Especially when adult children live out of state and are working with their parents on a move, I tell them about options I find on SNAPforSeniors. Typically seniors want to relocate close to their children, and the online search allows adult children and their parents to search research options and start the search together.”
(ARA) – Cabinets rank with appliances and countertops as a kitchen design element that draws a lot of attention. Upgrading cabinets with cost-effective, high-impact accessories like fresh hardware and moldings can put the finishing touch of personalization on your kitchen.
“Incorporating custom-like features on stock cabinetry is an easy and affordable way to upgrade the look of a kitchen while integrating personal taste,” says Connie Edwards, director of design for American Woodmark cabinetry. “With endless options of styles, sizes and finishes in decorative hardware and moldings, today’s design trends lend themselves to mixing and matching, making it easy for homeowners to personalize and accessorize the hub of their home.”
Knowing the importance of individual expression in design, companies like American Woodmark, sold exclusively at The Home Depot, offer decorative hardware and moldings in a variety of styles to help homeowners create unique spaces for the kitchen and beyond. If you like your home’s overall design theme to be consistent, try using the same hardware and moldings in adjoining rooms. This will help create the illusion of an open floor plan. Or you can create a distinctive look for each room by using an assortment of ornamental accents in different shapes and finishes.
What’s Hot in Hardware
As a cabinet accessory, hardware makes a statement on its own, but when set against cabinetry and appliances, it can give cabinets a fresh face. Today’s trends call for decorative hardware that complements stylish kitchen products like oil-rubbed bronzed faucets and stainless steel appliances. Rustic finishes such as rubbed bronze, antique cream and satin nickel mesh well with the look of modern kitchen style. Bar pulls, cup pulls and twist and Tansu pulls and knobs are also trend leaders. Here are some tips from American Woodmark on how to use hardware to underscore a design theme:
Contemporary:
* Satin nickel Eclipse and Pyramid knobs on maple cabinetry
* Large and small black Parquet knobs on white cabinetry
Traditional:
* Large and small Barrel pulls and Roundel knobs in antique pewter copper on cherry cabinetry
* Rope knobs in oiled bronze on oak cabinetry
Traditional with Modern Spin:
* Twist pulls and knobs in Venetian bronze or French nickel on maple cabinetry
* Cup pulls in satin nickel on cherry cabinetry
You can even try mixing and matching styles and finishes for a truly eclectic look.
The Magic of Moldings
Moldings and accents effortlessly add a rich, fine furniture look to cabinetry. For a simple update, try a classic crown molding above your cabinetry. If you want something that will really stand out, try creating a molding buildup by adding more inserts. This combination of several inserts will create a sophisticated stack. You can take the ornamentation even further by adding decorative accents such as fillers and blocks underneath the sink or around wall cabinets, or corbels and overlays on an island or above the range.
Since there are so many different styles, combinations, finishes and prices for moldings, accents and hardware, you’ll want to work with a Home Depot designer to help the process run smoothly -- from decision-making to installation. For additional design ideas and information, visit www.woodmark-homedepot.com.
(ARA) - Humans aren’t the only ones who look forward to the autumn harvest. Fall brings a bounty of natural foods for our feathered friends, too. But while they’re feasting on fall’s cornucopia of delicacies, birds are also planning ahead, taking note of yards with bird feeders that can help them weather winter’s cold.
Many of birds’ favorite foods are actually more abundant in the fall. Summer weeds ripen with seeds by October. Many berries only begin to emerge in late summer or early winter, and insects are plentiful. You may think there’s no need to feed your feathered friends during the fall, but if you want them to find your home in the winter, start feeding them in autumn.
The birds who visit feeders in the fall are scouting, becoming familiar with feed stations and making decisions about which back yards they’ll visit this winter. The feed you put out in the fall will let birds know they’ll be welcomed and fed in your back yard when serious cold weather arrives – and they no longer have the luxury of exploring for food.
Winter weather is hard on birds. Their calorie requirements increase, food becomes hard to find, snow covers up seeds, and ice storms seal away the tree buds and wild fruits. Tiny birds must eat a third to three quarters of their weight each day. When the temperature dips below zero, easy meals at a feeder can mean the difference between life and death.
An important rule of fall and winter feeding is to be prepared. By stocking up now on premium bird seed, bird lovers can help secure a wholesome food source for birds without having to brave stormy weather.
It’s important to stock your feeder with high-quality foods that will provide birds with the most fat, nutrients and energy. Look for a feed like Cole's that packs nutrition, preserves freshness and gives you the most feed for your dollar. Cole's Oil Sunflower is more than 99 percent pure and cleaned four times to ensure there are more seeds and fewer sticks in each bag. The feed is also nitrogen-purge packaged, just like potato chips, to ensure freshness and insect-free feed.
In addition to seed, serve up some suet either by itself or mixed with seed. Cole's Nutberry Suet is a seed blend mix of premium fruits, preferred nuts, nutritious insect suet kibbles, and whole kernel sunflower meats, which appeals to fruit and insect-loving songbirds. Or try Suet Pearls, which features sunflower seeds buried inside energy-rich suet. Suet Nuts is a nourishing blend of peanuts and berry suet that birds find delectable. These feed choices will provide fat and a high protein energy source to assist wild birds in weathering winter and may actually boost their chance of survival.
Just as birds need food year-round, they also look for water. This can be tricky in regions where water spends the winter as ice, but bird lovers can still help in a number of ways. Experts suggest leaving icicles on the eaves to provide a regular source of water for birds that will drink the drops as the icicles melt. Birds are drawn to running water sounds so spritzers or small fountains are also good. In the winter there are many quality bird bath heaters available to keep the water from freezing and they are more convenient than setting out water every day.
Don't worry about the birds if you have to be gone from your home for a while in winter. Birds are used to having a food source disappear. It might take them a while to rediscover your yard when you return, but they'll be back, grateful for your assistance.
For more ideas on how to help birds eat well through winter, and feed choices visit www.coleswildbird.com.
(ARA) - As the weather cools, homeowners see fall as the year’s last chance to do home maintenance to lower heating bills. Of course, you will not save money if you spend more on home improvement than you will save in reduced energy costs.
Always do the math to make sure you will recapture money quickly. For example, buying tools for a specific home improvement job may mean that job is not cost-effective. For many homeowners with realistic home improvement budgets, renting is the answer. You can find the tools and equipment needed for any home improvement project at your local American Rental Association (ARA) member store.
“You can rent the right professional-quality tools for virtually any home improvement task,” says Christine Wehrman, executive vice president and CEO of the American Rental Association. Cheaper than buying, renting tools allows homeowners to put their home improvement dollars toward materials, rather than equipment or storing tools that are not used on a regular basis. Rental stores are also a great place for free expert advice about tools, how to use them correctly and how to best complete your project.
Here are some cost-effective winterizing tasks for the interior of your home:
Insulate your home and wallet. Too little insulation is the most significant cause of heat loss. Most homes, even newer ones, can use another layer. In the attic, experts recommend at least 12 inches of insulation. Pink layers of fiberglass, purchased in rolls, can easily be layered over existing insulation.
For exterior walls, a special pneumatic pump blows insulation into the space between the exterior and interior walls. The insulation can be purchased at a lumberyard. To rent a pneumatic pump, visit RentalHQ.com to find a local ARA rental store. The rental store employees are trained on the proper use of equipment. They can demonstrate how to safely and correctly use the equipment and give advice on how to avoid hazards associated with fiberglass insulation.
Block leaks. On a windy day, search for drafts around doors and windows. Use a standard caulking gun to apply caulk to areas where there is a gap or draft. Apply it in dry weather warmer than 45 degrees Fahrenheit to prevent the caulk from swelling with moisture and ensure that it adheres and sets properly. For some areas, such as under doors, weather stripping or putty may be easier to apply.
Maximize your heating system. Furnaces need to be serviced annually by a professional to be sure they are working at maximum efficiency. But there are also a few tasks you can do yourself.
Install a programmable thermostat. It takes less energy to warm a cool home than to maintain a warm temperature all day. Set it so the temperature is lower when you are away. Also clean air filters, heating ducts, baseboard heaters and vents regularly. Dirt blocks airflow and causes the furnace to work harder. To clean your ductwork without hiring an expensive company, rent a powerful, commercial-grade vacuum cleaner and special attachments to dislodge the dust and debris that gets released into the home from your supply registers.
Blanket the water heater. For a small investment, you can significantly reduce the amount of heat lost by the unit with an insulation blanket or cover, particularly if your water heater is located in an unheated area or if it is an older model. Insulating blanket kits for water heaters are inexpensive and easy to install.
Check chimneys. Cleaning your home chimney may seem like a daunting task, but it does not have to be if you have the right tools for the job. Chimneys should be cleaned before the soot build-up reaches 1/4 inch thickness inside the chimney flue. You will need a chimney brush or blower. Consider renting the equipment you will need – including drop cloths to protect the inside of your house from soot and dust. Once the chimney is clean, you can safely augment your heating system with inexpensive wood cut from overgrown trees in your own yard. If you do not need a chain saw on a regular basis, renting a chain saw instead of buying one can help keep expenses down.
Energy-saving do-it-yourself projects can be easy and inexpensive with the right equipment and know-how. Discover both at your local ARA member rental store. Visit RentalHQ.com to find an American Rental Association member rental store near you.
Plenty, including answering the eternal question: Were you raised by wolves?
(ARA) - While most American women consider their master bathroom a comfy, relaxing and private space where they can do as they please, the guest bathroom is an entirely different story -- a decidedly “public” space in the home where even the most basic rules of etiquette are often abandoned.
“The guest bathroom is a very telling place,” says etiquette guru Peggy Post, from the Emily Post Institute in Burlington, Vt. “As a host, a clean, well-stocked bathroom tells your guests that you are a considerate friend who is concerned about making visitors feel as comfortable as possible. And as a guest, your behavior in the guest bathroom tells your host whether or not you should be invited back.”
Let’s face it: Good manners are all about being considerate and respectful -- that hasn’t changed since Emily Post wrote her acclaimed Etiquette manifesto in 1922. And almost a century later, nowhere else in the home are these character traits put to the test more often than behind the door of the guest bathroom.
In fact, a recent survey by the maker of Quilted Northern Ultra Plush(TM) 3-ply bath tissue found that a majority of us (83 percent) are eager to judge our host by the condition of their guest bathroom -- from its cleanliness to its selection of soaps and towels. (“Why Women Need Plush” study conducted on behalf of Georgia-Pacific, maker of Quilted Northern; page 50.)
So how to ensure you’re putting your best face forward when it comes to the guest bathroom, either as a guest or a host? Peggy Post tells us how:
For hosts:
* Make sure the bathroom is spotless before your guests arrive: “A clean guest bathroom communicates that you want to make your guests as comfortable as possible.”
* Set out bars of pretty, scented hand and bath soaps; if you use liquid soap, be sure the dispenser has been filled and won’t run out mid-visit. “Toss out the dirty bar soap that might occupy your guest bathroom most of the time.”
* When it comes to towels, be clear about which ones are for guest use: “Towels are the biggest source of confusion for guests, because many are afraid of using the frilly, decorative towels in the guest bathroom. Keep several clean, plush hand towels folded on the counter so guests know exactly which ones to use.”
* Put extra rolls of quality three-ply bath tissue in plain sight, so guests don’t have to rummage around the bathroom in search: “Stack the bath tissue as close to the toilet as possible or arrange the rolls in a pretty basket that you can set out on the counter. Let’s just say the bath tissue in guest bathrooms speaks volumes.”
* Leave a can of air-freshener in reach, since guests might feel embarrassed to ask for it after it’s needed. “Or, set out some fragranced candles that can help mask odors.”
For guests:
* Follow the Golden Rule: “Leave the guest bathroom like you found it -- or at least the way you would want someone to leave yours (that means seat down, guys).”
* Be aware of what your towel behavior is communicating: “Crumpling up a used towel and leaving it that way on the sink is grounds for permanently being crossed off the guest list. Re-hang damp towels over the towel rack, or re-fold and replace them where you found them on the sink. Never leave wet towels on the floor!”
* Always replace empty bath tissue rolls. “If you can’t find a new roll, let your host know instead of rummaging through her cabinets.”
* If you’ve left an odor, turn on the fan or crack the window. “Or, if there is air freshener available, use just enough to make the next guest feel comfortable.”
* Let your host know if you’ve caused a toilet malfunction in the bathroom: “Even if it’s embarrassing, quietly take your friend aside and tell her about the problem.”
For even more insight on bathroom behavior -- and what yours says about you, visit www.emilypost.com.
(ARA) - As the leaves turn an array of spectacular colors and the fall winds begin to blow, it signals winter and colder temperatures are ahead. And when the weather outside grows cooler, gathering with loved ones around a warm fireplace can be delightful.
A consumer survey by the Hearth, Patio & Barbecue Association found that homeowners use their fireplaces most frequently during the winter months, with an average use of 32 times a year. To ensure homeowners are prepared for maximizing the ambiance for family gatherings, the following tips and equipment information offer guidance on how to properly select and cut firewood.
The best burn:
Wood varieties differ in density levels, with some species, such as oak, yielding a longer-lasting flame. The best woods for burning include ash, oak, beech, birch, hickory, maple, pecan and dogwood.
Dry out:
Ensuring the wood is properly seasoned or dried is more important than finding the hardest wood available. Properly prepared firewood should be dried for up to six months and have less than 20 percent moisture content.
Stacked for success:
Wood should be cut and stacked immediately to reduce the chance for moisture to set in, diminishing the wood’s burning quality. Moisture also contributes to mold growth, which homeowners want to avoid bringing into their indoor environment.
Size matters:
Be mindful of the log size needed. Split wood to the correct size pieces that will easily fit inside a fireplace.
Equipment for cutting excellence:
Selecting the right equipment for cutting firewood is a key step in the process. For homeowners seeking a fast way to cut wood, the Husqvarna 460 Rancher chain saw is an excellent option. This high powered chain saw is ergonomically designed for comfort. With X-TORQ technology incorporated, the engine is lighter weight and requires less maintenance, plus delivers increased power and reduces emissions up to 60 percent and fuel consumption up to 20 percent. For lighter cutting tasks, Husqvarna’s 240 e-series is ideal. This model is easy to start and operate with its built-in features like ergonomic design, as well as good for the environment with its low-emission X-TORQ engine. And for homeowners seeking more outdoor fitness while cutting firewood, Husqvarna also offers an axe, which is hand forged with high quality precision-ground Swedish steel and a hickory shaft.
Safety first:
When using axes, chain saws or other outdoor power equipment, remember to think safety first. Read and understand the operator’s manual and be sure to wear the appropriate protective apparel.
Keep home fires burning by choosing properly prepared wood and make cutting easy with the proper equipment. For more information, expert advice about outdoor projects and outdoor power equipment dealer locations, visit www.MasterYourGreatOutdoors.com.
(ARA) - Leaves turn brilliant colors, evenings cool and the kids go back to school. So long summer, hello fall garden cleanup.
You may already know that composting is a better way to deal with bags of leaves and backyard waste. But if you’ve avoided composting because it seems like too much work and mess -- or you just weren’t sure how to start -- fall is a great time to try your hand at turning this year’s yard debris into next year’s natural fertilizer.
Composting delivers many benefits. Modern gardeners face strict waste removal ordinances in many communities. Plus, growing environmental consciousness inspires gardeners to minimize their eco footprint while cleaning up the back yard. Composting is a cost-effective, eco-friendly way to convert your yard debris into “black gold” – a nutrient rich, all-natural, safe fertilizer for next spring’s planting season.
Fall, by nature, is an exceptional time to begin composting. Dry leaves, grass clippings and woody materials represent a large percentage of total yard waste. Each offers either the carbon or nitrogen components necessary for the decomposition process that takes place during composting. Add air and water, and you’re well on your way to rich, loamy compost.
The trick to successful composting is to maintain a working balance between carbon and nitrogen. A simple rule of thumb is to use one-third green and two-thirds brown materials. This allows oxygen to penetrate and nourish the organisms that reside within the material.
You don’t have to live with an unsightly, foul-smelling compost heap to do your part for the environment. Compost bins and tumblers are a hassle-free way to create good-for-your-garden compost. Bins are basic, but tumblers add an element of motion, something that can enhance the quality of your compost.
The Tumbleweed Compost Tumbler by Clear Air Gardening is a good example of how tumblers work to produce great compost. The Tumbleweed holds 58 gallons worth of kitchen scraps and yard waste. When full and finished breaking down, each batch contains enough compost for a medium sized garden or flowerbed, or a 10 feet by 10 feet area of lawn.
Unlike typical tumblers, the Tumbleweed features a stainless steel rod running through the middle of the bin that helps break down materials even more quickly than tumblers without a rod. The twist-lock, animal resistant lids on each end make filling and emptying the compost tumbler simple. Built-in vents allow rainwater to drain easily, keeping your compost moist, aerated and odorless. The end result is organic, nutrient rich compost in as few as 21 days. All that’s required is a daily spin of the tumbler.
Compost materials can be added to bins and tumblers year round. Although the process will naturally slow or cease in the winter when temperatures decline, the process will resume again in the spring and summer as temperatures slowly begin to rise.
First time composters may be surprised to find that finished compost smells earthy, fresh and natural. They may be even more surprised to learn that compost can suppress plant diseases and pests, reduce or eliminate the need for chemical fertilizers and increase water retention in the soil -- all great benefits that ultimately save consumers money while safeguarding the environment.
Convenience and environmental stewardship aside, compost is essential to vibrant lawns and healthy gardens. The rich macro and micro nutrients in the well-aerated compost replenish the soil that grasses, shrubs, trees and flowers need to grow and fend off disease.
Compost started in fall can be used for planting fall bulbs, trees, transplants and as mulch to protect vegetation from winter’s cold. Fall leftovers can be used to prepare the soil in spring for vegetable gardens, flowerbeds and around trees and shrubs. As mulch, compost will retain moisture in the summer.
For more information on creating your own "black gold” by composting, visit www.cleanairgardening.com.
(ARA) - Your party date is set -- and the pressure is on to make sure everything is perfect. But, what do you see when you pull out your tableware? Is your silver as shiny as you remembered? Does your crystal sparkle like new? With the holiday season and other festive gatherings approaching, now is the time to make sure your dinnerware glitters.
“China, crystal and silver are made to be used regularly and, if cared for properly, these pieces can last for generations,” says china/crystal restoration manager Sara Vestal of Replacements, Ltd., the world’s largest retailer of old and new china, crystal, silver and collectibles. “What’s unfortunate is the fact we see so much damage that can actually be prevented by avoiding some very common mistakes.”
One of the biggest culprits Vestal sees is dishwasher damage. “The dishwasher is a huge enemy of fine dinnerware. Prongs on the racks may scratch the surface, while heat from the drying cycle can loosen gold or platinum trim on china, causing it to wear away. That cloudy or milky look you sometimes see on crystal is caused by the high heat actually baking lime, rust and other minerals from the dish water into the pores of the crystal. Plus, the heat can loosen the adhesive in knife handles, potentially causing the handle to separate from the blade.”
Replacements’ experts recommend washing your pieces by hand, even if labeled “dishwasher safe.” Avoid citrus-scented detergents -- these contain acids that may damage the finish of china and silver. Also avoid detergents containing bleach; chlorine in these products may seep into the pores of china and crystal, causing damage even after rinsing.
Experts say these tips can help extend the life of your china:
* Storing china in areas that are not temperature or humidity controlled can cause the glaze to become brittle and crack. If you don’t use your china regularly, wash it at least once each year to keep impurities from impregnating the finish. This keeps the glaze strong.
* Fine china can develop rust spots when washed with silver, so it is important to clean the two separately. To remove rust spots from china, rub a small amount of a Soft Scrub without bleach type cleaning product on the spot. If this doesn’t work, put a small amount of rubbing compound on a paper towel and apply in a circular motion.
* To get rid of nicotine stains on china, make a paste out of baking soda -- scrub and let it stand for thirty minutes before rinsing. Repeat this process until the stain disappears.
* Storage is extremely important when protecting your china. Put a cushioned layer such as a coffee filter, napkin or flannel square between pieces to prevent scratching.
* Avoid setting heavier bowls on plates and do not stack handled pieces, such as cups. Stacking weight can create tiny stress fractures which, over time, may cause plates to crack or handles to break off cups.
Don’t forget your crystal. Keep pieces sparkling with these simple steps:
* Wash crystal in lukewarm water and remember to remove jewelry that might scratch the delicate surface.
-* One insider’s tip -- add a small amount of vinegar to the rinse water to help prevent water spots.
* Immediately dry your crystal with a lint-free cloth.
* Avoid twisting glasses from the base; this motion may create enough torque to break the stem.
* To remove the milky tint caused by dishwasher cleaning, use a small amount of CLR cleaner to each piece of cloudy crystal. Let this stand for several hours and rinse by hand. (This treatment is not recommended for pieces with gold or platinum trim, as the cleanser may remove the metal gild).
* Store crystal pieces with the base down to protect the delicate rim. Remember to leave plenty of space between pieces. Glass expands in hot temperatures, so you want to make there’s enough breathing room so crystal items don’t touch.
To restore your silver’s luster, follow these helpful tips:
“A lot of people don’t realize that their silver’s finish actually improves with daily use,” says Replacements’ silver restoration manager, Jose Batista. “Silver pieces that are used regularly develop a rich patina, which is actually the blending of thousands of tiny scratches. This patina is what gives silver its beautiful satin finish.”
* Wash silver immediately after a meal. Food left on silver for as little as one hour can permanently stain sterling and damage silverplated pieces. Be particularly wary of mayonnaise, vinegar and eggs.
* Experts recommend washing silver in a plastic container or putting a rubber mat in your sink to prevent contact between the silver and any metal surfaces.
* Dry immediately with a soft cloth to prevent water spots. One helpful hint -- use a blow dryer on a low setting to dry hard to reach places.
* Silver needs to breathe. When storing, avoid using plastic or airtight containers that may trap moisture and cause tarnish.
* Also remember, any moisture on your hands can leave fingerprints, which also promotes tarnish. Wear soft cotton gloves when handling silver pieces.
Vestal and Batista agree, while many people would rather replace damaged pieces, others are so emotionally attached to family heirlooms that they prefer to have their sentimental treasures restored. For advice on repairing extensive damage, such as cracks or chips, contact Replacements Ltd.’s restoration experts at (800) 737-5223. You can also find additional dinnerware care tips at www.replacements.com.
(ARA) – Record world oil prices will hit home heating this winter, with consumers likely paying high prices to heat their homes. Natural gas will rise an average of 24 percent and fuel oil a whopping 36 percent says the National Energy Assistance Directors' Association. Now is the time to give your home a “check-up.”
Here are seven tips from the Comfort Institute to make your home an energy sipper instead of a gas guzzler. They will help you save money, improve comfort and help the environment too.
1. Ask your heating, ventilation and air conditioning contractor to test your duct system for air leaks. Many people assume that windows and doors are the major cause of a home’s energy-wasting air leaks. But according to recent research by the U.S. Department of Energy, gaps, joints and disconnections in the typical home’s duct system are much more significant. The DOE states that the typical duct system loses 25 to 40 percent of the energy put out by the central furnace or heat pump. Authorities recommend sealing ducts with a brushed on fiber-reinforced elastomeric sealant. Duct tape, which is great for many things, usually dries out and fails.
2. Ask your contractor to perform an Infiltrometer “blower door” test. The blower door is a computerized instrument originally invented by the DOE. It pinpoints where your home’s worst air leaks are, such as duct leaks, and also measures how leaky the overall house is. Most homes have the equivalent of an open window in combined air leaks. Many heating contractors offer an Infiltrometer test as part of a home and duct performance test that also checks insulation levels.
3. Have your heating system cleaned and tuned. A pre-season tuneup is a great investment. It reduces the chances of breakdowns on cold winter nights, improves safety and more than pays for itself through more energy efficient operation. For a free report: “How to Identify a Good Heating and Cooling Contractor,” go to www.comfortinstitute.org.
4. Replace your furnace or heat pump air filter, or clean it if it is an electronic unit. Most systems need this done every month to ensure safe and efficient operation. Keep forgetting to do it? Ask your contractor for an extended surface area central air filter that only needs to be replaced once a year. It also does a far better job of keeping your equipment and the air in your home clean.
5. Close your fireplace damper. Did you remember to close it last time you used the fireplace? Shut it now or waste precious warm air all winter long.
6. Install a programmable set-back thermostat. Turning down the thermostat eight degrees for eight hours a day will save 8 percent on home heating costs. An easy way to take advantage of these savings is to lower the thermostat temperature while away from home or sleeping. Ask your heating contractor about new models which are much easier to program.
7. Consider replacing your old furnace or heat pump. Just like a car, heating and cooling equipment doesn’t last forever. Is your system more than 12 years old? Planning to stay in your home more than a few years? Many authorities recommend replacing it before it fails permanently. New units can pay for themselves over time as they are up to twice as energy efficient. However, government and utility research has found that over 90 percent of newly installed high efficiency systems have energy wasting mistakes. Today’s new equipment is drastically compromised if it is hooked up to bad ducts.
Do some homework before talking to contractors. For more information, visit www.energystar.gov and www.comfortinstitute.org. Print out the free Comfort Institute report “Tips and Secrets to Buying A New Heating and Cooling System.”
(ARA) – Today’s economy is tough for both job-seekers and employers alike. Mistakes are costly and time-consuming for both parties. Employers have tighter budgets for finding and interviewing candidates, and candidates need every tool available to compete for top positions.
Technology is streamlining the hiring process. Managers use it to eliminate useless -- and costly -- interviews and prescreen candidates before bringing them in for in-person interviews. And job hunters can use technology to distinguish themselves from the pack.
By using a Web-based video interviewing system, hiring managers can view video clips of job candidates, any time, any place, and share them with other decision makers. Employers can even compare the responses of candidates to the same question, further leveling the playing field. The candidate benefits as well because on camera, personality, enthusiasm and passion come through, making the case more convincingly than words on the page of a standard resume.
Candidates need to become savvy about projecting themselves on camera. The Web is filled with advice on how to perform well in a video interview. Step one is to dress the same as you would for an in-person interview. Another tip is to look straight at the camera.
Virtual resumes now resemble social networking profiles with photographs, active URL links and videos. Online portfolios consisting of images, video, text and audio come to life, showing what a candidate can offer the employer. “One of the most common requests we’re getting these days from employers is for students to have their resumes and portfolios available online,” says Debra Pierce, director of career services at Miami International University of Art & Design.
“Web 2.0 has changed the way employers and job seekers locate, research, and interview each other,” says Marc Scoleri, director of career services at The Art Institute of New York City. “The Internet has enabled job seekers to promote themselves through web-based social networking sites like MySpace, Facebook and LinkedIn. Social networking profiles are comparable to paper resumes in the sense that they can list the job seeker's employment information, but a social networking profile can show an image, video, with live clickable links so it can be e-mailed to anyone in a split second.”
Employers are also using a quick Google search to see if there is any positive or negative content online about an applicant. For job seekers, outrageous or unprofessional pictures or videos on a social networking site can be a deal-breaker for a prospective employer. Therefore, job seekers need to understand the nature of these social networking sites and the repercussions they may have on their job search if not used appropriately.
In this new environment, both sides of the job-hunting process benefit. In fact, the days of mailing a paper resume to an employer (which never yielded great results) may be over. Then again, a very creative resume kit that includes the high-tech elements (including a CD with a video and links to an online portfolio) delivered via snail mail may be one way to stand apart from the rest of the pack.
To learn more about The Art Institutes, visit www.artinstitutes.edu/nz.
(ARA) - When Jody found her grandmother Florence, a strong, 77-year-old woman affectionately called “Mama”, vacuuming the front lawn one day, Jody finally decided it was time to move her to a dependent care facility. The decision was not easy. Having seen her grandmother gradually slip away, five years after being diagnosed with Alzheimer’s, the family struggled with the decision of when to seek full-time nursing care for Florence.
It’s a scenario that more baby boomer children are facing every day. With the U.S. population of people age 65 years and older expected to increase threefold within the next 20 years, it’s a decision that a wave of boomers will be forced to consider in the years to come.
What are the signs that a loved one may be starting to fail? How do you know who to trust? Who do you listen to? Where do you start when you suspect some changes may have to be made for an older loved one?
Janet Louise Gibson faced this decision as her mother, Marjorie, suffered from a terminal disease. Unable to find a single source to guide her through the ordeal, Gibson compiled a book that would help other boomers facing the painful emotional and financial decisions around finding long-term care for an aging parent or loved one.
Gibson shares some signs that your loved one may require care from her new book, “The Complete Guide to Senior Care,” recently published by Wise Life Press (wiselifepress.com). These signs include:
* Your loved one has had a stroke or heart attack, has fallen, been severely injured or has been diagnosed with a fatal disease;
* Sudden or dramatic weight loss;
* Memory lapses, decreased judgment or increased forgetfulness;
* Difficulty in taking medications or remembering to take medications;
* Avoiding, ignoring or forgetting responsibilities including neglecting household duties and basic hygiene;
* Unexplained bruising;
* Withdrawal from social activities and from wanting to be with other people;
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* Mood changes, unsuitable behavior, speech or appearance; and
* Wandering.
If you recognize these or other disturbing changes in your aging parent or loved one, Gibson recommends taking these steps:
* Start by speaking with your loved one. Ask questions to help assess the situation.
* Speak with your family. If you haven’t already, put a legal, financial and health action plan into place.
* Talk to your loved one’s friends and neighbors. They may see your loved one more frequently and at different times of the day.
* Consult with your loved one’s physicians and other legal and financial professionals. While they may not be able to legally discuss specific information without your loved one’s consent, they can provide advice.
As the caregiver for your aging parent, this is the time when you must become the advocate. After assessing available input and information, you are ultimately the best judge of your loved one’s well being.
For more information or to purchase a copy of “The Complete Guide to Senior Care,” visit www.wiselifepress.com.
(ARA) – Your best friend has been with you through thick and thin since college. She stood up by your side at your wedding, babysat your kids when you and your husband took that business trip to Europe and has listened to every single complaint you’ve ever uttered.
Every year at Christmastime, you struggle trying to find the perfect gift for your best friend to show her how much you appreciate everything she does. Last year you gave her a gift-certificate to the spa for a day, which she enjoyed. But it only lasted one day, and you want to give her something that lasts longer.
Your girlfriend is just one of those hard-to-shop-for women who can afford anything they need, and don’t think to ask for anything they want. You want to show her how much you appreciate her being in your life.
One direction you can take is an elegant pearl bracelet, or pearl posts if her ears are pierced. Pearls are an organic gem and they match multiple outfits and bring elegance to any female wearing them. A gift to perfectly fit your girlfriend.
Freshwater pearls from Asia are available in a wide variety of shapes and natural colors. Perhaps the pink, lavender or black shades of freshwater pearls on a pendent necklace would nicely match one of your friend’s evening-out dresses.
Or akoya pearls grown in Japan and China are a great option. Considered the classic pearl in a smaller size, akoyas are usually white or cream, with overtones of rose, silver or cream. Your girlfriend would look very elegant with a white pearl bracelet decorating her wrist to match that grey suit she frequently wears to the office.
Maybe a pair of Tahitian pearl earrings with their peacock, silver, green and copper tints echoing the pearl’s natural dark colors matches your friend’s ensemble perfectly. Typically larger in size, Tahitian pearls are grown in French Polynesia.
Visit PearlParadise.com, the world’s largest online pearl company, to see these three versions of pearls and many more crafted into gorgeous jewelry.
“A pearl necklace or bracelet chosen by your family can put a sparkle of appreciation into the eyes of your best friend, or that other special hard-to-shop-for female,” says Jeremy Shepherd, owner of PearlParadise.com. “When you see her walking around wearing your gift, you’ll know she remembers how special your friendship is.”
The site also has valuable information on how to care for pearls, explanations on necklace lengths, pearl sizes, quality and grading for the gems. Jewelry or loose pearls can be ordered directly online. Visit PearlParadise.com for more ideas for the perfect gift.
Courtesy of ARAcontent
(ARA) - As Americans get into the full swing of the holiday season, massage therapy can be a winning addition to holiday planning and shopping lists. Massage therapy gift certificates are surefire holiday gifts; consumers love giving and receiving gift cards and certificates and first-time massage clients rate their massage experience as highly positive, according to consumer research sponsored by Associated Bodywork & Massage Professionals (ABMP) and others.
What’s more, massage is a “green gift” -- one that fits the increasing consumer preference for experiential gifts instead of more “stuff.” Massage therapy is right in step with what consumers say they want and these trends show no sign of slowing. Massage leaves only a small carbon footprint and prices have remained stable in recent years. It’s exactly the kind of gift Americans of all ages are looking for: One that fits their values and budgets.
Respite From the Rush
As well as making a great gift, massage is ideal for stressed-out shoppers, holiday travelers, party-givers and people hosting family gatherings. A bonus for these folks is that shopping malls and airports are increasingly offering chair massage -- a quick and inexpensive remedy for shoulders and necks burdened by shopping bags and luggage. Chair massage is performed in a private or semi-private setting in a special, ergonomic chair and usually costs $1 a minute.
What You Need to Know
For best results, ABMP recommends finding qualified massage therapists from the thousands of practitioners listed at www.massagetherapy.com. A zip-code finder and search tool for different kinds of massage makes finding the right therapist a snap. Some massage therapists offer gift packages for a series of massage sessions. Most can sell gift certificates over the phone and mail them, and some Web sites even allow consumers to print the certificates themselves. ABMP is the nation’s largest massage membership association and has licensing and educational requirements for its 65,000 members.
Parties with Plus
Another holiday trend is the spa party, including massage and other services for those hard-working employees, family members in town or friends who want a new way to celebrate. This is a wonderful alternative to overindulgence in food and drink, or stress-filled activities that are unoriginal and time-consuming. Spa parties also strengthen bonds and create memories, while traditional events may soon be forgotten.
Thoughtful gift-givers can also create their own special days by scheduling appointments with independent massage therapists and adding excursions to favorite lunch spots, movie theaters or museums.
A Gift of Lasting Value
Massage will be the gift that keeps on giving as clients enjoy not only relaxation, but the health benefits of massage. In addition to providing relief from anxiety, pain and stress, research shows massage provides beneficial effects to the immune system and lessens the frequency of headaches. While massage may be perceived as a luxury by some, these health benefits are becoming more widely understood as medical professionals increasingly recommend massage for various conditions, especially back pain and sports injuries. More information on the health benefits of massage and how to get the most from a massage session (or a series of sessions) is available at www.massagetherapy.com.
A longer-term health and relaxation benefit will provide lingering memories of the experience and the gift-giver. The gift of massage therapy is something that can start people down the path to less stressful lives; that’s a very nice way to honor a friend or loved one. At an average $60 an hour, this makes massage an excellent value.
There are 250 types of massage therapy currently being practiced in the United States. ABMP encourages consumers to consult the glossary at www.massagetherapy.com to find just the right match.
Courtesy of ARAcontent
(ARA) - Each year we see it coming. As the holidays head our way, we brace for the weight gain that often results from the traditional sweets of the season. Many of us gain a pound or two between Thanksgiving and New Year’s Day, according to the National Institute of Child Health and Human Development. What’s more, we rarely lose the extra weight during the spring and summer, the New England Journal of Medicine reports.
Fortunately, you can avoid those unwanted extra pounds with a common sense approach to your health. With some expert advice, it’s possible to stay fit as we face the season of bountiful desserts.
“It’s not an accident to be healthy,” says C. Howie Howard, a health-conscious cook and student advisor at Brown Mackie College in Kansas City, Kan. “Most people don’t realize how food influences them.” For instance, when we eat fast food, we tend to feel tired an hour later. This is because the typical fast food meal contains high glycemic carbohydrates that break down quickly, releasing a rush of glucose into the bloodstream, which creates a feeling of sleepiness. Few of us link the meal we ate to the way we feel. We think we’re just tired. “If you listen to your body, it will become easier to discern how the foods you eat make you feel,” Howard says.
As an experiment in recognizing how your body reacts to food, Howard suggests eating a hard-boiled egg and fresh fruit for lunch. An hour later, take note of your energy level. You won’t feel the fatigue of a fast food “crash” because the carbohydrates in these low glycemic foods break down slowly, releasing glucose into the blood stream gradually. “The whole idea is to find ways to eat that are both enjoyable and satisfying,” he says.
Terry Harris, assistant director of admissions at Brown Mackie College in Findlay, Ohio is a certified specialist in health, fitness and nutrition. He ran a full-time personal fitness training business in the Toledo/Perrysburg area of Ohio for nearly a decade, and now offers nutrition consultations on a part-time basis. “The first thing I tell clients is to relax. Stress makes the chocolate attack worse,” Harris says.
“One thing you can do leading up to the holidays is focus on your caloric intake each day.” Harris recommends eating meals comprised of different colors, which helps to cover each food group, with each serving about the size of your palm. “You don’t have to deny yourself dessert. You can shave calories from each meal to make room for it without consuming extra calories,” Harris says.
Michael Baker, associate director of admission at Brown Mackie College in North Canton, Ohio is an avid runner who took first place in the Portage Lakes Triathlon in Akron, Ohio last September. Baker stresses the importance of movement, and offered tips on how to fit exercise into a busy schedule.
“When heading out to do holiday shopping, plan to park as far away from the door as possible,” Baker says. “This relieves any disappointment you may feel when the lot is crowded, and the walk will do you good.” Baker also suggests exercising while watching your favorite television shows. “You don’t have to go to the gym to get yourself moving,” he says.
Ernest Angelini, business manager in the student services department at Brown Mackie College in Louisville, Ky. agrees that exercising doesn’t have to interrupt your schedule. “You can do leg lifts at your desk while you work,” he says. “And always take the stairs instead of the elevator.”
Angelini offers this advice for partygoers: “It’s best not to go to a party hungry. Eat sensibly before arriving. You’re sure to find delectable food, but keep in mind that the main reason you’re there is to spend time with others. Taste the sweets, but don’t gorge. Moderation is the key.”
Angelini has also come up with a clever way to ensure self-control when faced with holiday goodies. “I always plan a vacation to the sun belt after the holidays,” he says. Knowing that you’ll soon don a swimsuit can do wonders for the “moderation theory” when holiday temptation hits.
Courtesy of ARAcontent
Father of Four Killed in Preventable Tractor Roll-Over Accident
(ARA) – A recent tractor accident in Virginia left one father of four dead. Investigators say the man was trying to remove a tree when his tractor flipped on top of him. Sadly, his 12-year-old son was with him at the time of the accident.
According to fire and rescue officials on the scene, the tractor did not have a roll bar, which is designed to protect tractor operators in this type of roll-over accident. Unfortunately, officials say this type of tragedy happens all too frequently.
According to the National Safety Council, more than half of all farm tractors are not equipped with a roll-over protective structure (ROPS). If ROPS and seat belts were added to older tractors that are not equipped with ROPS and seat belts, approximately 350 lives would be saved annually on U.S. farms and rural settings.
“Most tractor fatalities are caused by overturns,” says Greg Embury, vice president of sales and marketing, Kubota Tractor Corporation. “Tractor drivers who operate their equipment without a roll-over protection structure are vulnerable if an accident occurs. And, even worse, serious rollover accidents that occur with no ROPS present can cause life-changing health problems or death. We encourage all tractor operators to put safety first and add a roll-over protection system to help prevent this type of heartbreaking tragedy from happening.”
The Ten Commandments of Tractor Safety
If it sounds serious, it is. Kubota has developed the “Ten Commandments of Tractor Safety,” not only for its customers but for anyone who comes in contact with a tractor. These important tractor “Ten Commandments” include:
1. Know your tractor, its implements and how they work. Read and understand the operator's manual before operating the equipment. Also, keep equipment in good working condition.
2. Use ROPS and a seat belt whenever and wherever applicable. Kubota has provided ROPS as standard equipment on new tractors since 1985 and recommends tractor operators with older models ask their local dealer about retro-fitting their machine with a ROPS.
3. Be familiar with your terrain and work area -- walk the area first to be sure and drive safely. Use special caution on slopes, slow down for all turns and stay off the highway whenever possible.
4. Never start an engine in a closed shed or garage. Exhaust gas contains carbon monoxide, which is colorless, odorless and deadly.
5. Always keep your power take-off (PTO) properly shielded. Make it a habit to walk around your tractor and PTO driven implement -- never walk over, through or between the tractor and implement, particularly if either is running. An unguarded rotating shaft is very powerful and rotates with enough speed and strength to kill you.
6. Keep your hitches low and always on the drawbar. Otherwise, your tractor could be at risk of flipping over backwards.
7. Never get off a moving tractor or leave it with its engine running. Shut it down before leaving the seat. A runaway tractor can be extremely dangerous.
8. Never refuel while the engine is running or hot. Additionally, do not add coolant to the radiator while the engine is hot; hot coolant can erupt and scald.
9. Keep all children off and away from your tractor and its implements at all times. Children are generally attracted to tractors and the work they do, but a tractor's work is not child's play. While a child's disappointment is fleeting, your memory of his or her injury or death resulting from riding the tractor with you, or being too close, will last a lifetime.
10. Never be in a hurry or take chances with your tractor. Think safety first, then take your time and do it right.
“Everyone at Kubota -- and within the entire equipment industry -- wants the same thing and that is safety for our operators. We urge tractor and equipment drivers to take time for safety,” says Embury. “After all, the life saved could be your own, or that of someone you love.”
For more tractor safety information, visit www.kubota.com and click on the safety tab.
Courtesy of ARAcontent
Headlines play a vital role of presenting the front lines in any marketing strategy. When you want to be heard and seen, headlines are the best way to grab attention and tell people what’s new.
Your headline is the first thing that your customers see and is your one big chance to influence and attract the targeted audience with your message. Not all people in the world get to read your ads, so don’t think that your product won't interest them. The best way to keep their heads turning is by your compelling headlines that will let them decide by their first glance.
Your headline must command enough attention so that it will back up your advertisement and keep it effective. If both do not work properly, your advertisement will become ineffective.
Have you ever got that tired feeling from sitting and staring at a blank pad for hours or days trying to come up with a good headline, but you just couldn’t? That is a common problem for most people who start out in a business venture. A way to overcome this and create compelling headlines like you have never written before, is to use a headline producing piece of software such as Headline Creator PRO.
Headline Creator Pro can help beginners and even the veterans in the world of marketing. It focuses on simplifying the tedious process of coming up with compelling headlines that will standout. The Headline Creator PRO utilizes the PowerWriter™ technology, which basically automates the method of writing headlines. There are a lot of questions regarding the use of Headline Creator PRO and some people are sceptical in thinking that it can't help them with their headline problems.
Some products will tell you how to come up with headlines that are stunning while Headline Creator PRO does the job for you and it even allows you to customize the automated headlines that have been created. It also helps you to generate the automated headlines which are based on the greatest headlines that have ever been created. The outputs are tested and proven to give you the nicest results possible. You can also modify the results to match your specific needs.
Headline tools have helped the veterans in automating their List Management, Affiliate Programs, Autoresponders, and Sales Processing. The creation of headline tools can be helpful in increasing your profits and getting your products to become well-known. Headline Creator PRO works to automatically generate your list of headlines, which are based on the best selling headlines ever written by the masters of marketing. You can simply read through them, and afterwards, you can choose your favorite. This will save you a lot of time and effort.
Using headline creation software is a very quick process. When you click on a button, you can generate 100 possible headline combinations and use your chosen one at once. This is based on the greatest outputs and results in the history of headlines. Using Headline Creator PRO as your headline creator will reduce the time it takes to think of that all important headline.
When I owned my editorial staffing agency and would put out a job opening for freelancers, I would get a ton of responses. If I asked for work samples, I would get slammed – even if the ad specifically stated to send, for example, “one writing sample on real estate investing.”
To quickly get through the pile of resumes, the first thing I would do is weed out anyone who sent more than I had requested. The point of this little story – more is not always better.
BUT, you may lament, “I want to show the client what I can do for them.” You can do this very effectively via a simple one-page introductory letter.
SECTION I: About you. In this paragraph, you simply want to state your name and give a very brief background summary and niche specialty. Eg:
I am Yuwanda Black, the publisher of InkwellEditorial.com. A freelance copywriter for over 13 years, I specialize in increasing the referral rates of real estate agents, mortgage brokers and insurance agents via newsletters, brochures, e-books, etc.
Whatever your written marketing needs, I can deliver measurable results. Samples of my writing/portfolio can be found at mywebsite.com (you do have a website, right?).
SECTION II: You know them. Illustrate to the client that you are familiar with his product, service, specialty, etc. and how you can improve it, supplement it, overhaul it, etc. for better results. Eg:
I noticed from your website (brochure, postcard, sales letter, etc.) that you have been in business for 5 years and service the xxx market. I can help you increase your sales by at least 15% over a year’s time (maybe more). How?
Studies (cite a source) have shown that consistent contact is the number one way to get clients to call YOU – and not your competitor. According to xxx (here you would input a reliable marketing stat), in your industry, only X percent of mortgage brokers do this.
Imagine how many more clients you can add to your business by becoming the go-to expert in your sector? I can position you for this – bringing in referrals for years to come!
SECTION III: The wrap up. Here, repeat their number one benefit of using you, eg, to increase their bottom line. Eg:
My job is to increase your bottom line. As a results-oriented professional copywriter, I know how to move prospects into your (not your competitor’s) paying customers when they’re ready to buy.
SECTION IV: The call to action. Ask them to do something – now!
Call today for your no-obligation consultation. I can be reached at:
PH: 000-111-1234
CELL: 111-222-3333
FAX: 222-333-4444
Email: info@inkwelleditorial.com
URL: InkwellEditorial.com
SECTION V: The P.S. (EVERY sales letter should have a P.S.). In this section, you can give a way a freebie (e-books are great for this) and/or reiterate a major benefit (eg, increase your bottom line by 15%).
Feel free to use a P.S. and a P.P.S.P.S.: With your free consultation, you receive a free e-booklet, “For Real Estate Professionals: 10 Ways to Turn Referrals Into Paying Customers.” This e-book is free, even if you don’t use my services.
5 Copywriting Tips for Your One-Page Letter
a) Use lots of white space and bold headings. Eg, between each section, create a bold heading that clues the reader in to what they’re about to read. Most people skim copy – especially from unfamiliar sources – this makes it much more likely to get read.
b) Write from a “what’s in it for the client” point of view instead of a “what’s in it for me” point of view. At every turn, reiterate how you can help them make more money, save more time, reach more prospects, etc. In business, most people either want to make more money or increase their referral ratio – these are safe objectives to state that you can help them with.
c) Make a connection: Eg, I read on your website; I heard in your seminar; I see from your brochure – everyone likes to feel that you have at least taken the time to know their business.
d) Give stats: This lends credibility to your “sales pitch.” It’s not just you saying x, a noted source can back up your contention.
e) Use a call to action: If you don’t ask them to do something, they may do nothing. So, use phrases like call today, log on to our website, subscribe to our newsletter, register for your free gift.
I guarantee you, if you follow the format outlined above, your direct mail and/or e-mail conversion rate will be higher, garnering you clients for years to come.
Dialogue isn’t so much read as it is heard by the reader. The eyes see the words on the page, the brain processes the thought, but then that little voice we all have in the back of our head becomes the character and actually says the words.
We immediately hear those words and decide whether the dialogue is legitimate. We decide whether the character, as we know him or her so far, would actually talk that way. If we don’t know the character at all, we use a very broad baseline and decide whether we’d accept a stranger on the street talking that way.
So to develop a winning technique for writing dialogue, you’ve got to listen to the way people speak. Family members, relatives, strangers, people on the telephone. What do they sound like?
You’ll notice that they almost all speak in short sentences. Two, perhaps three sentences at the most before they expect someone else to chime in.
Their paragraphs really do focus on just one thought or idea.
Our society abhors a vacuum, so a pause happens between speakers, not in the middle of one-person’s thought. That’s also why a pause can be one of the most powerful dialogue tools when it’s used in a play. The audience wants someone to say something, anything, to relieve the level of anticipation.
When people speak, they use simple language. Yes, I’ve know a few people who can speak wonderfully with an extensive vocabulary and make it sound totally natural. But that’s the exception. Make your dialogue very simplistic.
If you actually transcribed what people say as they talk, and then read it a few days later, you’d really have a tough time understanding what they were saying. The ums, the ahs, the tics, the embarrassed laughter, the stops and starts. They’d actually read like idiots.
But when we listen to those people, we filter out all that verbal debris. So when you write dialogue, don’t include it. You become the debris filter. Your dialogue doesn’t become more realistic simply because the character reads like an imbecile… unless you want your character to actually come across that way.
Unless you’re writing a play, keep dialogue to an absolute minimum. Don’t tell, show. Don’t have a character explain a situation if describing the scene that does the same thing.
Also, people don’t talk to themselves out loud, and their inner thoughts rarely take the form of dialogue. You’ll have to come up with a solution to that one for your story. An excellent example of this is the movie Castaway, with Tom Hanks.
It isn’t until we need some explanation that Wilson, a companion volleyball, makes an appearance.
Accents are fun, and Mark Twain received high praise as a writer who finally wrote the way people spoke.
But if you have a lot of dialogue, a heavy southern accent can become tiresome on the printed page. Tell the reader the character speaks with a southern accent and let them mentally fill in the drawl.
Finally, keep the “he saids,” and “she saids” to a minimum. At any point in great dialogue the reader should know who’s talking without much assistance from the author.
This is a very sensual, dramatic and intense look, more appropriate for a young woman, as it can considerably harden the gaze in a mature woman, and by that age what we are after is for the mature woman to look fresh and youthful.
PERFECT FOR A SOCIAL OCCASION OR NIGHT TIME MAKE UP
This look is perfect for either a social gathering or a night out. It adds personality and strikingly transforms whoever wears it, although achieving a perfect finish isn’t always easy, as patience is required not to smudge the shadow. Following these instructions will make reaching a perfect result a lot easier.
ACHIEVE A BETTER FINISH
If we use a fixing agent –there are several brands of these on the market for eyeshadow and lips which can do the trick very well; once the product is on, we start to get rid of eye bags and imperfections with the corrector, and we blend the product in well.
ILLUMINATE THE FACE
Create points of light with an illuminator in the area just below the eyebrows, the upper regions of the cheekbone, the space between the eyebrows, and on the chin.
Apply a foundation as close as possible to the skin’s tone, or at most one tone higher.
A FAILSAFE TRICK
Blend the eyelids using loose powders: this way the shadows will then slide better, and apply a quantity of powders on the area beneath the eyes as this way we can later pick up any excess black shadow particles, and eliminate them with a makeup brush. With a neutral tone we unify the mobile eyelid, after which, as mentioned, we apply the black shadow in small amounts, to make sure we apply the right quantity.
We may finish by underscoring the base of the lashes with a black pencil, and blending it well.
WHO DOESN’T THIS SUIT?
In terms of eye shape: the only kind of person not to benefit from this look would be either someone with very small eyes -as dark tones sink the gaze- or someone with wide-set eyes as in these cases a natural look is more flattering.
This look will give excellent results on large, and almond or slanted eyes.
Other variants of this look are in grey tones, which look good on green, blue or brown eyes, and navy blue, also very flattering on chestnut, brown, green and blue eyes.
Dark brown shadow goes well with green and blue eyes.
The rouge needs to be very subtle, so as not to distract from the eyes: a pink tone will look right.
And the lips should also be very soft in tone, in a pearly pink or very gentle rosy gloss or just plain lip gloss. The result is spectacular.
I love golf! Don't you? I'm not very good at it but I will play as often as I can and I play every chance I get. The thing is I live in Chicago. So playing year round is not always possible -- at least not in warm weather unless I go South. But where do I go? There are so many great golf courses and life so short.
I decided to write this article because in my passion, I have found 4 very important questions to ask that will insure you will find thd the perfect golf vacation. Be careful. I have made some mistakes in the past because I did not do my homework in advance.
Golf Schools come wrapped in shiny packages with fancy trimmings. Be careful not to go for the first golf vacation you hear about. Do some reaearch and find the right golf package match for you, your habits, your style and your golf game.
So, how do you know which golf school vacation is right for you? It's simple. How much do you know about yourself? Be honest. This is your nickel.
1) What do you want to achieve?
2) How committed are you to your game?
3) Is your goal to have fun and drink with your friends without the wives around?
4) Or are you dedicated to improving your game for the coming season on this golf vacation?
Try asking yourself this: When you think of a golf vacation, which comes first for you - the golf or the vacation?
Some golf schools demand your entire focus. Other golf schools understand you need time to relax and scope out other activities. So know if you are looking more for the golf or the vacation.
If I'm planning a trip to a Maui golf school or going out to Las Vegas for golf instruction, I'm thinking there's a pretty good chance I'll be checking out the local sights and entertainment.
If you're like me, you're going to find a school that offers half-day instruction. Train your skills first thing in the morning, get a bite to eat (usually included in your tuition), then see how you feel. Hit the casinos, beach or the golf course in the afternoon.
Like I said, I stink at the game but I do have some experience. Are you a new golfer or could you hit the PGA Tour?
Beginners should check out golf schools that offer low student-instructor ratios. A 5:1 ratio or lower is the best for beginning golfers. Most likely you want a school that limits class size.
Experienced golfers will need a school that offers on-course instruction. You might need your swing looked at in game like scenarios. Get your instruction on the course.
How do you like to learn? Your style might benefit from the attention offered by low student-instructor ratios. This may not be a necessity for an experienced golfer. This is totally up to your learning style preference.
How's your short game? I can drive for show but when it comes time to outt for dough. (Maybe I shouldn't have told you that) Do you have a nice low handicap but your golf game goes in the tank 90 yards from the pin?
You need to find a golf school that concentrates on training your short game and course management. If your golf swing is basically sound, pick a golf vacation school that focuses the majority of your instruction time by getting you out on the course.
The golf training market is very competitive. If you want the very best, find golf vacation schools that will focus on individual aspects of your golf game. Comparison shop. (Isn't this why the internet was invented?)
In the time it takes for me to get out of a sand trap, you can find a golf school that will help you shave a stroke or two off your already low handicap. Or in my case, keep me from embarrassing myself in front of my friends.
Some other real quick questions to ask at a golf vacation school: Is lodging included? Are meals included? Does the tuition include rounds of golf? You can find a whole batch of information about all the golf vacation schools at http://www.universalgolfinformation.com
Focus your honest answers to the 4 questions above. Whittle down your decision to three or four to fit the style of golf training where you will do your best. Then pick the golf vacation school that offers the best package. Remember -- it's your nickel.
Emily loves sports - college football, NFL, and NBA. She knows a lot of people have a blast betting sports and wants to join the fun. But Emily is unsure of how to get started with sports gambling. In the newspapers and on the Internet she always sees "point spreads" (sometimes called "lines") on the games but isn't exactly sure what the numbers mean.
Understanding point spreads is a key first step to learning about sports betting. Emily's not alone in needing the basics of point spreads explained, so let's all learn how to read point spreads together. Then we'll be on our way to enjoying the fun of sports betting.
What Is the Point Spread?
In any football or basketball game (the main sports that use point spreads) there are two teams playing against each other.
Those teams, though, are rarely exactly evenly matched - meaning that typically one team has a better chance than the other to win the game. If bettors were allowed to bet on who was simply going to win the game, smart ones would obviously bet on the better team (likely winning more than 50% of the time in the process).
If winning were that easy the Las Vegas and offshore sportsbooks would stop taking any bets! This is where the point spread comes in: the basic function of the point spread is to balance the likelihood of each team "winning" by adjusting the final score by the point spread. After this adjustment is made you get the Against The Spread result (ATS result for short).
Let's look at Super Bowl XXXIX, New England Patriots vs. Philadelphia Eagles. Most people believed the defending champ Patriots to be the better team - so if betting were simply based upon which team would win the game, an uneven majority of people would have wagered on New England . But, by using the point spread, the bookmakers adjusted the terms of the bet, evening the proposition so about half the people believed the Pats to be the smart bet, while the other half considered Philly to be the smart bet.
How to Read the Point Spread
New England Patriots -7 vs. Philadelphia Eagles
The better team, called the Favorite, is expected to win the game and must "give" or "lay" points to the weaker team. The favorite is listed with a minus sign and the number of points they are favored by (e.g., New England -7)
In the case of our example, New England must not only win the game, but they must win by more than 7 points for Pats bettors to have a winning ATS result. An Eagles bettor wins his bet either if:
Philly wins the actual game by any amount of points
OR
Philly loses the game by less than 7 points.
There was also the possibility that the final score could land exactly on the spread number (for example, the Pats winning 28-21 when -7), which is called a "push" or "no action" and a refund is then issued to bettors of both teams.
The same game with the same point spread can be considered from the weaker team's perspective: The Underdog (Philly in the case of our example) is not expected to win the game and thus receives or "gets" points given by the stronger team. When a game is stated from the underdog's perspective the team is listed with a plus sign and the number of points they are underdogs by:
Philadelphia Eagles +7 vs. New England Patriots
Keep in mind that Philadelphia +7 and New England -7 is the same point spread on the same game, simply stated differently. The first is from the underdog's perspective; the later is from the favorite's.
For Those Who Like to Consider Things Mathematically
Not a must, but for some a mathematical approach is insightful. You can determine the ATS winner by either:
Subtracting the point spread from the favorite's score (thus the minus sign before the number) and then compare to the underdog's score
OR
Adding the point spread to the underdog's score (thus the plus sign before the number) and then compare to the favorite's score
Who Really "Won" the Super Bowl?
Let's look at the actual result of Super Bowl XXXIX: New England 24 Philadelphia 21
The favorite, New England , won the game but not by more than the point spread they were favored by (7), so the ATS result was a LOSS for Pats bettors.
Looking at it from the underdog's perspective, Philly did not win the game, but they lost by less than the point spread (7), so the ATS result was a WIN for Eagle bettors.
Mathematically considered, 24 for the favorite Pats minus 7 equals 17, which is less than the 20 the Eagles scored, so the underdog Eagles win the ATS result (or you could figure 20 plus 7 equals 27 for the Eagles, which is more than 24 for the Pats).
Emily's boyfriend understood the point spread and wagered $100 on the Eagles at +7. The Eagles may not have gotten a Super Bowl ring, but since they won the ATS result Emily's boyfriend cashed his bet - giving him money to take her out to a nice dinner.
And now hopefully you understand how to read point spreads, putting you one step closer to joining the fun of sports betting.
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