Wednesday, August 26, 2009
Verticillium wilt in Maple
Tuesday, August 25, 2009
Christmas Shopping In August!?!?
I find that saving money all year long, and buying gifts throughout the year helps me to avoid the credit card blues each January.
Do you have a holiday account? Holiday accounts are offered by most financial institutions as a way to help you save for holiday expenses. In most cases, you make weekly or monthly deposits into this account starting early in the year, but you can’t make any withdrawals. Depending on how the account is set up, your bank will give you a check for the amount you have deposited throughout the year plus interest in October or November. You can either make the deposits yourself or arrange to have them automatically deducted from a bank account.
The holiday savings account is a good option for those who are not disciplined enough to set aside money each month for Christmas. This can help you develop the discipline if you need it. One of the best ways to begin saving money is to do it automatically. If you are interested in opening a holiday savings account, talk to an account representative at your local bank or credit union.
Happy shopping!
Tuesday, August 18, 2009
Back to School = Back to Routine
The school bells are ringing once again, and it is hard to believe that summer has about ended! Now is the time to start a school routine that is sure to earn “A’s.” Has your family mapped out the school course?
· Lay out clothes the night before, and this will cut down on some of the morning rush.
· If packing a lunch, pack what can be packed the night before. Place all room temperature items, such as crackers, chips, napkins, silverware, etc. in the box or bag. Add the refrigerated items in the morning before you step out the door.
· Gather your backpack goods before you head to bed. Have it all together, and ready by your front door.
· Set aside a designated homework “spot.” Keep pencils, pens, erasers, markers, crayons, rulers and paper at this site.
· Determine a homework time, and stick to it.
· Get plenty of sleep. Brains function better on sleep. Try to keep bedtimes consistent each night.
· Eat breakfast before you dart out the door. Breakfast is the most important brain fuel.
How did you do? If the above items become your school habits, then you will definitely make the grade this year. Good luck!!