Even if you don’t complete your education, in most cases you must repay your student loan. In certain circumstances, however, it is possible to get a student loan discharge, which means you no longer have to pay the loan. If you do qualify for a loan discharge, it’s worth considering, as it gives you the opportunity for debt reduction.
Valid reasons for a discharge
Simply being in over your head financially regarding your student loan does not qualify you for a discharge. One of the following criteria must be met in order to be considered:
Bankruptcy. If you file Chapter 7 or Chapter 13 bankruptcy, it is sometimes possible to get your student loan discharged. This can only occur in bankruptcy court in an adversary proceeding, at which time your creditors may come to challenge the request.
(The court will decide in your favor if you’ve been making an effort to repay the loan for at least five years, and it is proven that making the payments would cause you to be unable to maintain a minimum standard of living during the loan repayment period.)
Disability. If you become totally and permanently disabled, it is possible to get your loan discharged.
Employment. Certain occupations entitle you to a discharge of your student loans with some stipulations. Such jobs include teacher, Head Start worker, public service jobs like law enforcement, corrections officer, volunteer in the Peace Corps and a member of the U.S. armed forces serving in hostile areas. Nurses, medical technicians, child or family services workers and professional providers of early intervention services may also qualify.
School closure. If the school you’re attending closes before you complete your degree, you are eligible for a discharge.
How to apply for a discharge
If you think you qualify for a loan discharge, you must contact your loan servicer. For Federal Perkins Loans, call your school’s financial aid office or their designated loan service provider. When you’re eligible, obtaining a student loan discharge helps you dig out of debt more quickly.
About the Author:
Julie Bawden-Davis is a Southern-California-based writer specializing in personal finance and insurance. Since 1983, her work has appeared in a wide variety of publications, including Family Circle, Ladies’ Home Journal, Parenting, Entrepreneur and The Los Angeles Times.
MAY 23, 2013Small-business owners successful at sales know the best way to sell something is not to sell it. “Selling is not, ‘Here’s a great product with all of these wonderful features, so buy it,'” says Leslie Buckley, who has spent her career selling for a variety of small businesses, most recently TruDenta.
“Selling is much different from representing,” Buckley says. “It’s more like being a doctor or therapist. You listen to potential customers about what they want or need, and then you introduce your product as the answer. You want people to think buying your services was their idea.”
When selling your business, telling people how good you are usually falls on deaf ears, says Cheryl Osborn, president of Casco Contractors, Inc., a design-build general contractor for building owners, property managers and tenants. “Rather than direct selling, you need to prove your value to potential clients,” Osborn says.
Ask Questions and Listen
Instead of listing the many ways your product or service is just what the client needs, simply listen, says Buckley, who sells to dentists. “I’ll ask the dentists to tell me about their practices and how business has been, which gives me a great deal of useful information, including what motivates them as buyers,” she says. “Knowing their motivation directs my sales tactics. For instance, the tech savvy dentist will want to hear about the technology of the product, while the person interested in money will appreciate hearing about how much other dentists have earned.”
It’s important that the client sets the stage and does all the talking at first, Osborn agrees. “Telling customers what they need is offensive, like an ‘eye-rolling’ creepy sales pitch. Sometimes it may take you asking five or six well-constructed questions to get feedback, but if you’re patient, the potential client will divulge useful information.”
Problem Solve
No client wants to engage with you unless you can help in some way, Osborn says. “By listening to your customers and getting to know what troubles them, you are able to customize a solution that involves your product. Rather than selling, your job is problem solving, which is a win-win for everyone.”
Educate and Differentiate
Selling also works when you educate customers about how your product or service can help differentiate them from their competitors, Buckley says.
“It’s all about telling them they can be special and different if only they try your product or service,” she says. One particular product she’s selling, which helps dentists to treat pain without drugs, has a 95 percent clinical success rate. “Such information educates potential clients about the value of the product. Share as much information as possible without being overwhelming, so clients can make their own decisions.”
Osborn, on the other hand, tends to lean heavier on stories than statistics. “I’ve found that if I give potential clients a bunch of stats about my company, they get bored and feel like I’m hard selling,” she says. “Tell anecdotes about other people who faced similar challenges and found solutions. Such stories reveal how you can help them.”
Demonstrate Passion
If you truly believe in the product or service you’re selling, that enthusiasm will impress potential clients.
“I’m really passionate about the product I’m selling and excited about how it can help people by relieving their pain,” Buckley says. “People see how much I believe in the dental system, and that encourages them to ask for the specifics. Let your confidence and commitment to your product shine through, and you can’t help but attract sales.”
If you take these low-key sales tactics to heart, you’ll may discover that your products and services nearly sell themselves.
It’s that time of year: You’re hankering for summertime classics–juicy burgers, sizzling steaks, or tender ribs–but what you reallywant is to enjoy that smoky goodness from your own backyard. Ready to give it a try? Achieving outdoor-chef bliss at home is possible, if you have the right equipment. These hot tips can help you choose the gear you need to get those outdoor flavors at home.
First Question:
Before we go any further, let’s clarify. While both grilling and smoking are great techniques, they are not the same thing. When you grill, food is cooked quickly–at a high temperature–over a heat source, such as hot coals or gas-powered flames. Grilling proponents claim that rapid cooking creates a nice sear on the meat, which locks in flavor and keeps it juicy. It’s ideal for foods that benefit from the flames: steaks, burgers, chops, chicken, fish, shrimp and vegetables can all be deliciously grilled. In smoking, on the other hand, meat is cooked more slowly and at a lower temperature, by exposing it to smoky, heated air — “low and slow” in smoker parlance. Fans say smoked meat has a totally unique, rich flavor, and that slow-cooking breaks down toughness in larger cuts of meat, leaving it especially tender. This is ideal for cuts like brisket, ribs, and pork shoulder, but can also impart great flavor to other foods like turkey or lamb. Many foods can be cooked either way, depending on the desired end result. You can slow cook (but not necessarily smoke) on most grills, but you can’t grill on most smokers.
If You Want A Grill…
First, think about the type of grill you’d prefer:
Charcoal grills are economical and easy to use, and they impart an unmistakable “char-broiled” flavor to your food. In a charcoal grill, briquettes are lighted by hand and smolder at a high temperature. It can take a bit of time to prepare the coals for cooking, however. (Some advanced models do have gas ignition systems to help speed up the process).
Propane gas grills and natural gas grills start with the flip of a switch and heat up quickly. Some models even have controls that allow you to cook foods at more precise temperatures. Most operate with a canister of fuel that you purchase and refill, though some can be connected to home gas lines. Many models also feature side burners and rotisseries that allow you to prepare multiple items at once.
Electric grills, which you plug into an outlet, also start up right away. They tend to come in small units that work well for tighter spaces, such as apartment patios and balconies. Some models feature ceramic briquettes, which add barbecue-style flavor.
Next, determine the size of grill you need. First, determine how much cooking area you need. Cooking area is the actual space you’ll have available for burgers, steaks, or whatever’s on your menu. Too large, and you’ll waste fuel and time heating surface you won’t need. Too little, and you’ll spend all day flipping little batches of burgers at the family picnic. The other thing to consider is the amount of space you have for storing your grill. Get one that will cook what you need, but that won’t take over your entire outdoor space.
If you want a smoker…
There are many types of smokers. There are small units appropriate for smoking small batches of food, drum-style units and large smoker rigs perfect for a block party. As their name suggests, bullet style units are shaped like a bullet, while cabinet-style smokers open like a small refrigerator. All smokers have interior racks where you set the meat, drip pans and a heat source.
Electric smokers are fueled by–wait for it–electricity. That makes it easy to keep them at the low, consistent temperatures required for smoking. To get the smoke, you add wood chips to a heating chamber.
Propane smokers also do a good job at keeping the correct temperature, though they’re fueled by propane that you’ll buy in tanks. These smokers are portable, so you can take them on camping trips. (But if you do, remember: Since smoking takes some time and running out of fuel is no fun, it’s best to have an extra propane tank on hand.)
Pellet smokers have a system that automatically feeds wooden pellets into a burn pot that generates the required heat and smoke.
Charcoal smokers rely on charcoal to create heat and smoke, and are the best at delivering an authentic smoky flavor to food. It can be difficult to maintain a consistent temperature with charcoal, however, and you often have to change the charcoal several times during the smoking process.
Experiment and have some fun, and you’ll be the neighborhood grillmaster (or smokemaster) in no time!
Tell us about your adventures in outdoor cooking–do you have a juicy grill or smoker story to share?
Make plans to plant a garden, and one of your first and most important decisions is whether you should plant a shade garden or create sun garden plans. Knowing which type of exposure to plant for helps you create your ideal garden. Before choosing any plants for your garden, determine if you have a shade or sun garden location.
Shade garden While a shade garden could mean a spot in deep shade, it can also be a location that receives dappled sunlight throughout the day or a short amount of morning sun followed by afternoon shade. Shade garden locations tend to be northern or eastern. Sun garden A sun garden is defined by a location that receives four or more hours of sunlight throughout the day. Such a location is usually located in a southern or western exposure. Plants for shade and sun To have success with sun or shade gardening, you must choose plants that are suited for each type of growing condition. A shade plant will not grow well in a sunny location. The harsh rays of the sun will burn the tender foliage, and the plant is likely to die. Likewise, plants that require sun to thrive will do poorly in low-light conditions. They will experience stunted growth, and if they flower or fruit, they are unlikely to do so in shady conditions. Determine if plants are for shade or sun by consulting the plant tags and inquiring with nursery personnel. A reputable garden center will have the shade plants on display in shady conditions such as under shade cloth, whereas the sun plants will be out in full sun. Some popular shade-loving plants include impatiens, begonia, coleus and Japanese maple. For sun plants, you’ll find geranium, rose, petunia and black-eyed Susan. Sun garden plans For the best presentation with a sun garden, use the layered method when planting. This requires that you plant tall plants in the back of the garden, followed by medium-sized growers in the middle and then finish off the front of the bed with low-growers and ground covers. Such a planting scheme guarantees that you get a good view of all of the plants at once. Shade garden plans Build an eye-catching shade garden by creating a backdrop of foliage in varying shades of green and accenting with variegated foliage that includes colors like red, purple and yellow. Then, place flowering plants that prefer dim conditions in strategic spots throughout the shade garden. If you will be viewing or enjoying the shade garden at night, include white- and silver-colored flowers and foliage, as they will appear to shimmer in the moonlight.
Do you know what you should do just as soon as you’ve shipped off that tax return?
You should shred all the paper that you no longer need. Okay, maybe it’s not as exciting as a celebratory glass of champagne, but it is a great way to protect your financial and personal data: Use a good shredder, and you can feel confident that your personal information won’t wind up in the wrong hands.
We can help you choose. Before you buy a shredder, make sure you know these five facts:
1. How you’ll store it
There are shredders to fit almost any space, from small, desktop models to larger, wastebasket-sized, shredders. If you’ll use it often, consider a freestanding model that you can leave out for easy access. Don’t worry that it will be an eyesore: Shredders come in various colors and styles, making it possible to choose one that fits your home’s décor. If you’ll use it rarely, it might be easier to get a model that you can store in a drawer or on a shelf.
2. Its cutting method
The most important consideration when choosing a shredder is the machine’s cut-style, a.k.a, the exact way it shreds a piece of paper.
Cross-cut shredders are the most common. These models slice the paper both vertically and horizontally creating small, rectangular pieces that are difficult to piece back together.
Need extra security? Choose a micro-cut shredder, which takes the idea of “little pieces” to a whole new level. A micro-cut shredder cuts an 8 ½ x 11 piece of paper into approximately 3,000 pieces.
Strip-cut shredders (the ones that cut paper into spaghetti-like strips) are less common than they used to be, because they don’t provide the same level of security as a cross-cut or micro-cut — the strips they create are too easy for bad guys to paste back together.
3. Its capacity
Determining how much, and how often, you’ll have things to shred will help you decide how powerful a shredder you need.
A shredder’s product listing will indicate how both how many pages you can shred in a day, and how many pages you can shred at one time. In general, light usage in the average household is around 50 or fewer sheets a day. Shredders designed for this load can usually handle from 4 to 12 pages at one time. If you will be shredding more, look for a model that can handle a higher volume–because going over the recommended capacity can burn out the shredder’s motor.
Of course, you should consider what you are shredding as well: Make sure that the opening of any shredder you’re considering is large enough to accommodate the size of paper you’ll shred, and if you want to shred items like credit cards and CDs, double-check that the machine can handle those materials.
4. How jam-resistant it is
Paper jams interrupt shredding and can sometimes be difficult to untangle, so look for features that will help you avoid them: Some models sense when the paper is too thick, and will turn off before a jam occurs.
5. How easy it is to check its status
And while it’s hardly required, another great tool is an auto button. This will let you keep the machine on but not running, which saves you from having to turn the shredder off and on as you ready paperwork for shredding.Waiting until the shredder is stuffed can lead to jams and overheating, and makes for messy emptying. To avoid overstuffing, look for shredders with a clear shredder compartment or a window into the machine — some even feature an indicator light to let you know when the compartment is reaching capacity.
Once you know what you need in a shredder, finding the right one for you is easy.
[vc_row][vc_column][vc_custom_heading text=”Top Tips for Creating a Memorable Company Logo”][vc_single_image image=”428″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]
Having the right logo can capture customers and influence buyers. Here’s what you need to know about creating one.
) in 1996, she needed an eye-catching logo to brand the nonprofit business and appeal to her target market. She hired a graphic designer to help create a visual representation of her vision.“Given that my market is women planning retirement, I needed a logo that would make clients feel like things would work out financially and they’d become wiser in the process,” says Hounsell, who still gets compliments on the logo.
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“Showing a woman under a tree reading works well on various levels,” she says. “The logo communicates she has the leisure time to read, the book suggests education, and the large tree shelters her, indicating that it’s possible to build up a retirement nest egg so she can spend her days relaxing.”
Such effective company packaging through a well-crafted logo is a powerful sales tool for the small-business owner, helping a company stand out in a crowded marketplace and building name recognition, says Mary A. Pettigrew, principal of ampersand graphic design, inc.
, whose tagline, “communications with a conscience,” evolved from the fact that many of ampersand’s clients are from the not-for-profit world.”Logos are so important that large companies spend $30,000 to $100,000 or more creating them,” Pettigrew says. “Entrepreneurs certainly don’t have to spend that much, but they do need an effective logo. The reality is that in the last decade, communications have become extremely colorful and eye-catching, and if you don’t create an attractive logo, potential customers will pass you by.”
Keep the following tips in mind when creating a powerful company logo that builds your brand.
Take Your Time
While you probably don’t have the hours or resources to conduct multiple focus groups to research your logo like large companies do, it is in your best interest to devote some time to the development phase.
“Chances are you’ve thought a lot about your mission statement and who your customers are,” Pettigrew says. “Use that information to come up with a logo that subliminally portrays your mission statement.”
To do this, she suggests coming up with words you want to associate with your business. “Think of feelings you want to portray, like strong, secure, fast and reliable,” she says. “A good designer can take such intangibles and use them to create a logo.”
In conjunction with your logo, devise a tagline that sums up your services, which can also be incorporated into a logo. “For instance, your tagline might mention critical deliverables, such as the fact that your company is trustworthy and offers security, which is something you want to communicate in the logo,” she says.
Good taglines tend to run three to seven words and succinctly sum up the company’s services and attributes, while also augmenting the logo itself. Think Nike’s “Just Do It” and YP’s (formerly Yellow Pages’) “Let Your Fingers Do the Walking.”
Consider Color
Color creates an often subliminal emotional response, so it’s important to choose your logo hues carefully. People respond to colors differently, which is why stop signs are red. While this may be a good accent color, you generally don’t want an all red logo, as that can be off-putting. Greens and blues, on the other hand, are more approachable and assuring.
The best logos are deceptively simple. “To create something memorable and unique, consider using your logo letters to convey your message,” says Pettigrew, whose own logo incorporates the ampersand symbol into her name in place of the “e.” “FedEx does a superb job of using lettering,” she says of what is considered one of the best logos of all time. The E and X at the end of FedEx are merged together and the negative white space created by the merging produces an arrow.
What to Avoid
The best logos, like Apple and Volkswagen, use original artwork, Pettigrew says, so “avoid clip-art, which looks cheesy.”
Also avoid using a logo that features an image with no meaning. “A logo is more than a pretty face,” she says. “Just because an image looks cool doesn’t mean that it’s going to work for your business. It’s important that people see the logo and know what you’re selling.”
Don’t create a busy or half-baked logo. “Firefox is busy and Wikipedia doesn’t work well either,” she says. “Verizon’s logo doesn’t show much creativity or even resolution; it seems like a work in progress.”
Finally, whatever you do, avoid creating a logo with an unintended double meaning. You want to get the attention of customers—not shock them.
A freelancer since 1985, Julie Bawden-Davis has written for many publications, including Entrepreneur, Better Homes & Gardens and Family Circle. Julie blogs via Contently.com.
Planting herbs outdoors adds beauty to your landscape and provides you with fresh, flavorful seasonings in the kitchen. Stepping out your back door and picking fresh basil for your pesto and snipping mint for your tea takes understanding the basics of growing herbs outdoors.
by Julie Bawden-DavisWhen to plant herbs Herbs grow quickly when planted in the spring. At what point in the spring you plant your herbs depends on your climate. To avoid a slow start or plant damage, wait until the danger of frost has passed before planting herbs. Where to plant herbs Most herbs require a sunny spot with good air circulation in which to thrive. Choose an area that receives at least four to six hours of direct sunlight a day. Some herbs, such as lemon balm, lovage, chervil, mint and parsley, require light shade. Choose a location that drains well, as many herbs such as rosemary and thyme, require sharp, fast drainage. If you are unsure of the drainage in your proposed planting area, dig a 6- to 12-inch hole and fill it with water. The hole will drain within 90 minutes if the drainage is adequate. If you find that the drainage is poor, before planting herbs, amend the soil with a 6-inch layer of compost that you work into the first 8 to 12 inches of soil. Also, plant in a site free of weeds. Rake or dig out weeds with a hand trowel before planting herbs in the chosen planting site. Potted herbs Many herbs thrive in containers, and growing them in pots enables you to place them near the back door for easy harvesting. Potted herbs also make a decorative addition to the garden. When planting in containers, use a high-quality potting soil with added perlite or pumice, which ensures good drainage. Herbs also thrive in raised beds, which are essentially large containers. How to plant herbs Successfully planting herbs requires that you plant each herb at the same level as the plant is in its original nursery container. By doing this, you avoid planting the herbs too high or too low, which are both situations that can result in plant failure. Once you have the plant in the soil, firmly pat down the soil surrounding the plant and water well. Water properly Water herbs when the top 2 to 3 inches of soil dries. Ground plants require watering less frequently than containers, which can dry out in an afternoon during hot weather. Avoid over-watering herbs, as this leads to lush, yet flavorless, growth. Fertilize infrequently Feed your herbs just once or twice during the growing season. Over-fertilized herbs produce thick, green growth with little flavor. Overfeeding dilutes the essential oil production of the herbs, and the oils are what give herbs their intense aroma and flavor. Pinch and prune Enjoy the bounty of your herbs often by pinching back on a regular basis. Pruning out growth keeps the plant bushy and healthy and leads to new growth. Plants that aren’t pinched back frequently become rangy and unattractive.
[vc_row][vc_column][vc_custom_heading text=”Rainy Day Activities for Kids”][vc_single_image image=”641″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]Kids and rain can be a rough mix. If April showers are falling and singing “Rain, Rain, Go Away” is beginning to wear thin, fear not: We have a dreary day plan of action. The following rainy day activities will keep the TV (and the whining!) off for hours.
Get Crafty
There are craft kits for kids for almost every interest and skill level. You can (clockwise, from top left):
Use a stamping kit to make cards and bookmarks for friends and family.
Mold one-of-a-kind clay creations (you get bonus points for pinning photos of your best sculptures on Pinterest!).
The best way to have fun with games it to think beyond the basic board. Here are some of our favorite ideas (from left):
Play show and tell: Let each person explain and share their favorite game — (ours is the new sensation Pallina).
Have a puzzle contest to see who can complete their puzzle, like this Safari one, the fastest.
Or create your own board game and test it out. You’ll need some oversized paper and crayons or markers. using poster board. You and the kids can draw out the stages of the game on the poster board, make game pieces out of clay and print out paper money.
Dress-up and Make Believe
Both girls and boys love dress up and make-believe. You can buy a costume, but you certainly don’t have to: Plan ahead for rainy day fun by visiting the thrift store and stocking up on old clothing, shoes, hats, wigs and costume jewelry. Or just let them dress up in your clothes for a giggle.
Make Homemade Treats
Get out your favorite dessert cookbooks and pick out some recipes for tasty items like cupcakes, cookies, bars, and pies. You could even make cotton candy.
With indoor fun like this, it won’t be long before the kids are hoping to be “trapped” inside.
[vc_row][vc_column][vc_custom_heading text=”How Hiring Your Kids Can Save Money on Taxes”][vc_single_image image=”291″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]
Hiring your child to work for you may actually save you and your business money.
in Austin, Texas, decided it was time to put him on staff at the clinic.“I was tired of handing him unearned cash and wanted him to start saving for college spending money,” Baker says of her son, who is now a sophomore at Texas A&M University. “Having Brad work for me went really well. He was dedicated and dependable and got along well with the other employees.”
Though many small-business owners know the advantages of hiring their kids, such as encouraging a work ethic, what they don’t always realize is that putting minor children on staff can also save you tax money, says Larchmont, New York, tax attorney and former IRS special agent Julian Block
.“If your children can perform necessary tasks for your company, this is a savvy and perfectly legal way to take care of their allowance or spending money—at the expense of the IRS,” says Block, who notes that you can hire kids to work for any small-business endeavor, be it full time, part time, long-established or a brand new company.
, any payments for the services of a child under the age of 18, who works for a parent in his or her business, are not subject to social security and Medicare taxes if the business or trade is a husband and wife partnership or sole proprietorship owned by the parent(s). “This tax benefit allows you to shift some income out of your higher tax bracket into your child’s, which is lower, and doing so can lower your Social Security taxes by as much as 15.3 percent,” Block says.This tactic also doesn’t initiate any “kiddie tax” rules, which are notorious for preventing grandparents and parents from shielding investment income in a child’s lower tax bracket.
“A parent’s business can deduct the wages, which are taxed at the child’s lowered rate, which often means it makes more sense to pay a child wages than to give the child property,” Block says.
How it Works
Income your child earns can be offset by a standard deduction that is six times greater than it would be if it were investment income. “For 2013, the standard deduction for investment income is capped at just $1,000, but for kid’s earned income it caps at $6,100, which means your child can earn up to that amount without paying taxes,” Block says. “This means if you’re in the 30 percent federal and state bracket, your taxes will be lowered by about $1,830.”
Not surprisingly, the IRS is suspicious of deductions for child labor, so it’s important to follow the rules to the letter. You must be able to establish that your child truly works for you, and the work he or she does is possible according to age. (Don’t expect the IRS to agree that your 5-year-old has been successfully answering the phone.)
The wages you pay to your children must also be reasonable and commensurate with the going rate for that duty. Emptying trashcans at $30 an hour isn’t going to cut it. Making deliveries and assisting with computer related tasks, on the other hand, could warrant $15 to $20 per hour.
The bottom line is to treat your children as you would any other employees, Block says. “Even if they’re classified as exempt, make it official by having them fill out W-2 forms. And always pay them with company checks.”
Now that you know the tax benefits of hiring your children, you can tell them the good news: “You’re hired.”
A freelancer since 1985, Julie Bawden-Davis has written for many publications, including Entrepreneur, Better Homes & Gardens and Family Circle. Julie blogs via Contently.com.
Move out of a rental, and you’re likely to have plans for the security deposit your landlord has been kindly holding for you. Make sure you get your hard-earned money returned when you vacate the premises by keeping the following five tips in mind.
Pre-qualify your potential landlord
Before agreeing to the rental, check out the individual or company renting the apartment. Look on the Better Business Bureau’s website for information and check online reviews.
Perform your own pre-move-in inspection
Inspect the apartment or house before you move in, noting any problem areas, such as discolorations on the walls and chipped tiles. Take time-stamped photos during the inspection, so you have proof of the apartment’s condition before you move. Give a copy of the photos and your inspection report to the landlord.
Read your lease
Once you sign a lease, you’ve agreed to whatever it says, so it’s important to read it thoroughly. Check the fine print for cleaning fees to be taken from your deposit. If possible, renegotiate the lease to state that you will leave the premises spotless upon your departure and will therefore get the entire deposit returned.
Keep thorough records
While living in the rental, record all significant events that occur. For instance, if there is a leak under the kitchen sink that causes water damage, note this and how the issue was resolved. That way you won’t be charged for damages when you move out.
Give adequate notice
Check your contract regarding how much notice you are required to give before moving out. Vacating early can cause a forfeiture of part or all of your security deposit. Most landlords require a 30-day notice. Make the record official by sending the notice to your landlord by certified mail with return receipt requested. Doing this will provide proof that you sent your move-out notification in a timely manner.
Have any other effective tactics for getting a security deposit returned? Please share them in the comments.
[vc_row][vc_column][vc_custom_heading text=”12 Tips for Making a Small Room Look Bigger”][vc_single_image image=”309″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]While small rooms have their benefits, including coziness, when the square footage is limited it can feel like the walls are closing in. Decorating a small room so that you’re opening a small space up and making it look bigger is possible–if you keep a few design strategies in mind.
1. Go vertical
Raising the eye up to the ceiling gives the illusion of grandeur and depth. Give it a try: Hang a vining plant in the corner of the room, which will draw the view up. You could also hand long, vertical artwork starting near the ceiling or include some decorative pendant lighting.
2. Break up the space
Creating “rooms” within the room gives a sense of square footage. Create permeable “walls” by hanging sheer curtains or beading from the ceiling, using decorative room dividers and thin shelving units to mark out areas of the room.
3. Consider color
Lighter colors tend to open up a space, while darker hues give a closed-in look. Opt for mellow colors like yellow, beige, white, pale green, and pink on the walls and accent trim with darker colors. If such a color scheme isn’t appealing and you prefer more vibrant colors on the walls, alternate between light and dark.
4. Watch the ceiling
While lighter hues do make a room look larger, it’s not necessary to go with all white walls. Instead, focus on the color of the ceiling. By painting the fifth wall white or off-white you create the appearance of a raised ceiling no matter what color the walls are.
5. Avoid clutter
Excessive odds and ends make a space seem small and stuffy. Edit out knick knacks, sticking with a few treasured possessions and keep the center of the room open and free. Avoid furniture that attracts clutter like coffee tables. Put paperwork and items like remote controls in drawers.
6. Replace wall-to-wall carpeting
Carpeting has a way of closing in a space and making it seem claustrophobic. Opt for wood, large tiles, or stained concrete, instead, and add an area rug if you want to add color or soften things up.
7. Use low-lying furniture
Low, long pieces of furniture (like this one) keep wall space open, which gives an illusion of more space. Avoid tall, hulking items like large bookcases and cabinets, which can dwarf a room. If you choose to use a tall furniture item, opt for a piece that is thin depth-wise and paint it the same shade as the walls.
8. Capitalize on lighting
Let in as much natural light as possible during the day. At night, task lighting that illuminates a small portion of the room and washes the rest of the space into darkness adds depth to a room. Also equip overall general lighting, such as a ceiling-mounted fixtures, with dimming capability.
9. Think multi-functional
Use furniture pieces that do double-duty. Opt for beds with drawers underneath, ottomans that offer storage and seating for guests.
10. Install shelving
Rather than bulky bookcases or storage cabinets, hang wall shelving. Paint the shelves the same color as the walls and they’ll blend in and keep the space open.
11. Use mirrors
Reflecting various areas of the room gives the illusion of space multiplied. Place wall mirrors in a location where they will reflect an attractive view, such as the outdoors or a piece of art.
12. Go light on window treatments
Heavy drapes or bulky shutters make a room look smaller. Opt for sheer curtains or window shades and for a decorative flair, choose simple valances.
Now that you’re armed with these small space design tricks, you can make your room look like a palace.
What’s your favorite trick for making your room look bigger?
As a lifelong allergy sufferer, I’m well aware that windows, with their direct access to the outdoors, can have a significant impact on symptoms. Fortunately, it is possible to allergy proof your windows–if you keep a few tips in mind.
Open or Closed?
If you suffer from allergies, you don’t always have to have the windows closed … just most of the time, unfortunately.
Close your windows during warm weather and use air-conditioning, especially when humidity is high. Also keep windows shut when conditions are damp: Moisture sends mold spores into the air, which causes symptoms for many allergy sufferers. Because grasses, trees and weeds tend to pollinate during the early morning hours, keep windows closed at this time until mid afternoon. Also, avoid sleeping with the windows open.
Open your windows from the mid-afternoon until before you go to bed if the humidity is below 50 percent outdoors. As an extra precaution, you can install pollen-proof screens, which have especially small openings that prevent more than 90 percent of common plant allergens from getting inside your home.
Keep it Clean
Dirty, dusty windows are a breeding ground for allergy causing dust mites. Dust is particularly prone to building up on flat surfaces such as the windowsill. Keep the windows allergy-free by regularly damp-dusting with a 5-percent bleach solution. The will rid the area of mites and mold spores, and the damp cloth will prevent the dust from flying into the air and irritating you. For extra protection, wear a dust mask when cleaning windows.
Hang Allergy-Resistant Window Coverings
Dust-catching window coverings, such as heavy drapes and blinds with small slats that are hard to clean, are notorious breeding grounds for dust mites. Better choices include window shades and blinds or shutters with large slats that can be easily vacuumed. Clean blinds, shutters and shades weekly with a vacuum that features a high-efficiency particulate air (HEPA) filter, and damp clean them once every three to six months.
A nearly allergen-free window covering option is privacy window film. Apply this directly to the window, which gives it a frosted look. It also reduces glare and UV rays.
If you must hang curtains, choose lightweight fabric that is washable. Washing the curtains in hot water every three months will keep them from building up dust mites.
It can be a lot of effort, but try these allergy fighting tactics with your windows, and with luck, you can prevent many allergens from getting inside and making your miserable. Avoiding the sneezing and sniffles is definitely worth the effort.
[vc_row][vc_column][vc_custom_heading text=”Press and Impress: How to Iron Clothes”][vc_single_image image=”629″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]While you can get away with wearing un-pressed clothing sometimes, a crisply ironed wardrobe always looks best. Depending on the item and the occasion, whipping out the iron is sometimes mandatory. Knowing how to iron different garments makes it easy to get great results.
Consider these steps for wielding an iron with flattering results.
Have a Good Ironing Board
First thing’s first: To iron well, you must have a sturdy, smooth ironing surface. These days there are many to choose from, including stand-alone models, wall-mounted, hideaways … even a roll-up ironing board. If you’ve got a standard ironing board, make sure it has a smooth ironing board cover to go over it.
Fill the Water Reservoir
Top off the iron’s tank with distilled water. Avoid using tap water, which tends to be high in minerals that cause build-up on the iron’s metal bottom, which is known as the soleplate. Such mineral deposits can stain your clothing during ironing.
Determine the Proper Setting
Figuring out what type of material the clothing item is made of will help you determine the right setting to use. The correct setting is important, as an iron that is too hot will burn material and one that is too cool won’t press out wrinkles. Clothing tags generally tell you the material type, such as cotton, and you can then find a corresponding setting on the iron.
Preheat the Iron
The iron is ready when steam is released after you press the steam burst button. This is a button usually located on the handle of the iron that causes the release of steam when you press it. Use this feature to remove stubborn wrinkles when ironing.
How to Iron a Shirt
An easy way to remember how to iron shirts is to think “neck down.” Work from collar to shoulder to cuffs to the body of the shirt. Follow these steps.
Iron the underside of the collar with smooth, even strokes, working from the center out to each end. Flip the collar over and iron the topside in the same manner.
Slip a shoulder of the shirt into the thin end of the ironing board. Iron from the shoulder to the center of the back and repeat with the other arm.
Iron the underside and then outside of cuffs.
Place each sleeve cuff side up on the ironing board and iron until smooth, repeating on the other side.
Iron the body of the shirt, beginning with the front and ending with the back.
How to Iron Slacks
Most pants look best if ironed. Follow these steps:
Turn the pants inside out and iron all seams so they lay to one side.
Turn the pants right side out and iron any existing pockets flat.
Work on the upper portion of the pants by fitting the waist of the pants around the thin end of the ironing board. Rotate the waist around the board until you’ve ironed all sides. If there are pleats in the front of the pants, pinch them with your fingers while ironing.
Lay the pants flat with both legs on top of one another, lining up the inseams. Lift up the top pant leg and iron the inside of the bottom leg, then put down the top leg and iron it. Flip the pants over and repeat the procedure on the other side.
How to Iron Skirts
Place the skirt over the small end of the ironing board and starting from the bottom of the skirt, iron up to the waistline, rotating the skirt as you work.
Caring for Your Iron
Keep your iron free of debris and harmful mineral buildup by cleaning the machine after every fourth use, or when the iron no longer glides smoothly over clothing. Clean the iron’s soleplate with a cotton ball dipped in vinegar and use vinegar-soaked cotton swabs to clean out the steam vents — always when the iron is unplugged and completely cool, of course.
To rinse out the interior of the iron, fill the tank with a mixture of half vinegar and half water, heat the iron and flush the system over the sink by pushing the steam-burst button until the iron is drained.
Store your iron free of water in an upright position.
Now that you know the basics of ironing, start pressing and impressing.
As a writer (read: someone who works from home), I know as well as anyone: An organized home office with sufficient storage space leads to a productive and pleasurable work environment. Here’s a rundown of the tools to consider for optimal home office organization.
The Right Desk
As your central locus of work, your choice of desk is important to providing you with adequate storage and keeping you organized.
First, consider the outside: Besides choosing a desk that is aesthetically pleasing, look for a piece of furniture that is right for the way you work. For instance, if you need a lot of flat, work-surface area, get a desk with some depth. You might even consider one with a return (that’s an l-shaped desk), which will give you even more space. If you only need lots of space once in a while, consider a desk that has a movable work-space, such as a cabinet with wheels, that can be pushed under the desk or out of the way when you don’t need it.
Then, look inside at the storage space offered within the desk. If you need to store office supplies and other items, look at desks with a variety of drawers in different sizes and dimensions, such as a location for pens, pencils and scissors, and another size drawer where you can store files.
Good Organizers
Drawers and cabinets filled with a jumbled mess waste space and create chaos. You can choose from a huge range of organizing tools, which come in a wide variety of sizes and dimensions. There are single-item organizers, as well as complete drawer models that allow you to segregate items and create a space for everything. Some are also expandable.
Cabinet organizers help to create additional space and organization in cabinets. Such systems are often also removable, which makes it handy when you want to transport items.
When space is at a premium in the home office, try space-saving storage items like bench storage units and ottomans with storage space built in.
Cord Control
Electronic equipment such as computers, scanners, printers and cell-phone chargers bring what can seem like an overabundance of cords and cables. A variety of cord control products on the market allow you to collect the cords and store them in an unobtrusive manner. Such systems also allow you to easily unplug items without having to sort through all of your cords and cables.
Sorting tools
The key to organization in the home office is to stay ahead of clutter–which can be a tall order. Start by planting a trash can next to your desk, so you can throw unwanted junk mail and paperwork out right away, instead of stacking into ever-growing piles for future disposal.
And speaking of disposing, you might consider a shredder to safely dispose of records, receipts and other documents that could put you at risk for identity theft.
Sorting tools such as letter trays, magazine racks, desktop mini filing systems and stackable storage bins also give you a place to put items as they come in for sorting later, rather than creating a pile that becomes unwieldy and difficult to organize.
Storage bins
If you have a lot of items and limited drawer or cabinet space, storage bins work well for organizing. There are storage bins in various shapes and sizes, making it possible to find the right size and shape for your situation. You can save space by opting for stackable storage bins and units. Keep these storage and organization tools close at hand, and you can enjoy a well-run home office that rivals any business.
Julie Bawden-Davis
Tell us: What’s your biggest home office organization issue?
Many species in the order Hemipteraby Jessica Walliser
Julie Bawden-Davis, author of Indoor Gardening the Organic Way, remembers the first time she encountered scale on one of her houseplants. “I found all this sticky stuff on the floor around my schefflera,” she says. “I firmly accused my kids of spilling something; then a moment later I realized I was standing in scale poop.” Davis’s experience is a typical one when scale insects are in the room. Because scales feed by sucking out plant sap, many of them excrete a sticky substance called honeydew. Its presence on floors or furniture is often the first indication of an infestation.
Mature scales appear as 1/8-to-1/5-inch oval bumps along plant stems and on the undersides of leaves. They’re hard to spot, because they look much like a part of the plant and they’re immobile. The only time scales move is when they are in their minuscule “crawler” stage. Females lay eggs under their hard shell; the eggs hatch into crawlers that move around the host plant to find a suitable place to attach themselves. Soon after they affix to the plant tissue, they form their own hard, protective covering, and there they sit, sucking out plant juices, excreting honeydew, and weakening the plant.
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Scale is a common pest of many houseplants, including ficus, schefflera, ivies, pothos, citrus, spider plants, and palms. (Outdoors, scale can infest many plants, including fruit trees.) Carefully inspect newly purchased houseplants–or those being moved indoors for the winter–and quarantine them for 3 weeks to ensure they haven’t come with any piggybacking pests.
“Since their thick, shell-like coat is tough to penetrate, scales can be difficult to control,” Davis says. “The best nontoxic method is manual removal.” Crush the insects with a cotton ball or cotton swab soaked in isopropyl alcohol and continually monitor the plant for further infestations. Commercial preparations of insecticidal soap are effective, too. Use a sprayer to apply it to all plant surfaces every 7 to 10 days for 2 months. And, until the scale is gone, keep infested plants away from healthy ones.
Photo: United States National Collection of Scale Insects Photographs Archive, USDA Agricultural Research Service, Bugwood.org
Budget dates can be better than those at fancy restaurants. The emphasis on relating and innovating rather than impressing creates a low-pressure situation that gives you a chance to build chemistry and develop memories. The following free or cheap date ideas are heavy on relating and light on the wallet.
People watch
Take up residence in a crowded place like a shopping mall or coffee shop, sit back and, as inconspicuously as possible, analyze passersby or those sitting nearby. Try to read lips and watch body language and then compare notes with your date. You’ll probably never know if you’re right about what’s going on, but hearing what each of you think is entertaining, and the sport is totally free.
Visit open houses
If there are new housing developments nearby featuring model homes, spend the day roaming through mansions, condos and everything in between. This enlightening activity shows new trends in home building and interior design, and you’ll probably walk away with some great free decorating ideas.
Browse an art gallery or museum
Art galleries require no admission and museum tickets are usually reasonably priced. Some museums also feature free admission on certain days of the week, for special occasions or if you qualify by age or membership in certain organizations.
Go to your local bookstore
Visit your local bookstore, get a cup of coffee or tea if it’s available, and look for your favorite books. Then trade with your date and see what he or she thinks of your taste in literature. You’ll discover what you both like to read and may find common interests.
Walk along the water
Water tends to soothe the nerves and encourages conversation to flow. If you live near water, whether it be the ocean, a lake or even a stream, walk and see where it takes you. Bring along a picnic or small snack and stop along the way to refuel and enjoy the view.
Hit the rink
Take a trip down memory lane or try something new and roller skate. It usually costs very little for admission and skate rentals, and this is a good way to discover if your date is adventurous.
We know, we know: Creamy is dreamy when it comes to comfort food. And sure, macaroni and cheese, pot pies, and ice cream are awesome. But they’re also hard on the waistline, which means these soothing dishes aren’t doing much to help you keep your healthy resolutions.
The good news: You can tweak your favorites with a variety of handy kitchen gadgets and low-fat substitutions to make them whole lot healthier. Try these tips and enjoy some of your classic favorites–without the guilt.
Ice Cream
Make a lower-fat version of ice cream using the Yonanas™ Ice Cream Treat Maker. This kitchen gizmo transforms frozen bananas and other fruit into a low-calorie, nutritious, and creamy treat that actually tastes like soft-serve ice cream. Since Yonanas uses only frozen fruit, the “ice cream” contains zero fat and cholesterol, plus it’s loaded with fiber, vitamins, and minerals.
Macaroni and Cheese
There’s a formula for duplicating thick, rich mac n’ cheese with a low-fat alternative: Cut back on the cheese by 40 percent to 50 percent and replace it with creamy ingredients like low-fat cottage cheese. Make it even healthier by using using 1% milk and whole-wheat pasta. If you want more of that yummy, crispy crust on your M&C, try baking servings individually in small stoneware bakers.
Chicken Pot Pie
With its thick, flaky crust, chicken pot pie is traditionally high in fat and calories. You can cut the fat by adding extra veggies, including peas, carrots, and mushrooms and by using low-fat chicken breast combined with low-fat chicken broth. Top the filling off with a 6-layer topping of phyllo dough brushed with olive oil, which creates a luscious crispy coating during baking.
Fried Chicken
This typically deep-fried ultimate comfort food responds well to the low-fat cooking technique of baking. Create a low-calorie version of the well-loved crispy coating by combining breadcrumbs, black pepper and garlic salt mixed with a small amount of olive oil. Coat a baking sheet with cooking spray and bake the coated chicken pieces in a hot oven.
Pudding
With its rich, creamy texture, pudding tops the charts of classic comfort foods. Try making sugar-free instant pudding with non-fat milk, and give the low-calorie pudding a delectable velvety texture by mixing it in a blender at high speed.
Cheesecake
Rich, tempting cheesecake can be transformed into a low-fat version by replacing half of the whole eggs with egg whites, substituting low-fat cottage cheese for cream cheese and using a light graham cracker crust.
Chocolate Cake
Make a dense, moist chocolate cake or cupcakes using pumpkin! Replace the eggs and oil in the recipe on the cake mix box with a 15-ounce can of pumpkin (not pumpkin pie mix!). It reduces the amount of fat and calories, and adds fiber, vitamin A, and antioxidants. You won’t taste the pumpkin; just a moist, chocolatey cake.
Did we miss your favorite comfort food? Tell us about it below!
When it comes to bath time, parents and children have different agendas. Your first order of business might be getting your child squeaky clean, but the kids? Well, they just want to have fun. You can both get what you want–if you use these easy kids’ bath time tips for all ages and stages.
Infants
Establishing a pleasant bathing routine sets the stage for your little one’s bath time attitude. For newborns and infants, the goal is to create security and comfort — for both of you. One way to do that is to place your baby in a snugly wrap that envelops him or her during bathing (these come as either a removable part of the baby bath or as separate bath wraps). Another way to keep things comfy is by using an attachable sink hose-end sprayer that features a gentle setting. And make sure to wrap your baby in something soft when you’re done, like a terrycloth towel or towel apron that keep you dry and your baby warm and snuggly.
Toddlers
Toddlers are becoming more aware of their surroundings, and they’ll enjoy exploring and playing at bath time with your help. Many infant baths convert for toddlers, allowing your little one to sit up when he’s ready. When it’s time to move into the big bathtub, make sure he or she stays secure and happy by using a non-slip bathmat in the tub.
This is the time to introduce some fun in the bath. Look for floating, squirting rubber bath toys, from the classic duckies to hippos, boats, and cars to elicit squeals of sudsy laughter.
Preschoolers
Provide fun activities and bathing may become your preschooler’s number-one favorite pastime. Now that your child has more developed fine motor skills, you can introduce a wide variety of bath toys, including tub crayons, which allow him to do freely what you’ve told him never to do—write on the walls. Mini squirt guns are also fun—especially if you have more than one little one in the bath.
Easily gather, rinse and hang to dry all of your child’s toys once the bath is done with a bath storage basket.
Grade-schoolers
The grade-school years offer more opportunities for bath time fun, from scented, colored bath fizzies that effervesce in the water, to actual bathtub games like ring toss and paddle ball. You can add an educational twist to the experience with wet-and-stick foam letters and shapes that stick to the bathtub wall, encouraging your child to spell words and create imaginary scenes with animals, such as dinosaurs. Waterproof bath books allow your child to practice her reading skills. Your kid can also play “house” in the bathtub with items like bath-time dolls and tea sets.
Now that you know the secrets to bath-time fun for kids, fill up the tub and let the splashing begin.
All those in favor of a new optometrist in town, say “eye!”
The husband-and-wife team of Dr. Alex Romero and Dr. Ly Nguyen have recently taken overOrange Circle Optometry in Old Towne Orange at 227 East Chapman Ave., #C. The practice, which previously belonged to longtime optometrist, Dr. Robert Turner, is located across the street from Watson Drugs between Orange and Grand on the same block as the Elk’s Club.
According to Dr. Alex Romero, Orange Circle Optometry provides primary eye-care health, including comprehensive eye examinations, contact lens and glasses fittings, laser vision co-management, management of ocular diseases, cataract evaluation and much more.
There’s also a great selection of designer frames by Prada, Dior, Coach, Gucci, Versace, Armani and Juicy Couture, to name a few.
“We sell unique kinds of glasses and sunglasses that are hip and fun,” says Dr. Romero. “We even have wooden frames. The students at Chapman really like our inventory.”
Originally from Orange, Dr. Romero grew up here and attended Orange High School. He and his wife, Ly, attended Nova Southeastern University in Florida, where they first met.
“She grew up in the city of Upland and both of us went to college at UC Riverside,” he says. “We’re both from here, and in fact, we used to live 15 minutes apart from each other in Orangebefore we met in Florida. We moved back here, got married two years ago and purchased the office. I’ve always wanted to open a practice in the city of Orange. It’s just great to be here.”
Modernizing the interior, the couple updated the décor with new paint, furniture, fixtures and hardwood flooring. They also brought in new computer technology and state-of-the-art equipment.
Since re-opening in August, the practice has been well received by new and former patients alike.
“Everyone has been very welcoming, and our fellow business owners have also been very supportive and kind,” says Dr. Romero. “Our patients are very loyal to the city of Orange and live within walking distance from us. The people here are what make it special. We feel very fortunate to be here.”
[vc_row][vc_column][vc_custom_heading text=”Top 5 Traits of Successful Innovators”][vc_single_image image=”428″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]
When done right, innovation breathes new life into tired methods, propelling small businesses to the head of the crowd. How does your company rate against these 5 tips from top innovators?
JANUARY 04, 2013 Though he owns a small business in a staid industry bound by government regulations, Robert Gorelick knows that to stay ahead of the crowd, running an innovative company is crucial.
“Being successful as a small business is about more than getting the job done,” says Gorelick, president of Benefit Equity, Inc., a national company founded in 1989 that consults with small-business owners on their company retirement plans. “To gain market share as a company, you must innovate.”
Innovation ignites discoveries and breathes new life into tired methods, propelling small businesses to the head of the crowd. See how your company rates by considering these top five shared traits of successful innovative companies.
1. They employ creative marketing. As the owner of a business in the financial industry, which tends toward a conservative approach to marketing, Gorelick finds that he gets his most inspired ideas by looking at other industries.
“Being innovative takes an open, inquisitive mindset that encourages you to look outside of your comfort zone to analyze what has successfully been done in other industries so you can adapt those tactics to your business,” he says.
This approach has resulted in a number of successful marketing campaigns unique to Gorelick’s industry that have gained his company attention, such as a recent campaign that involved sending potential clients mini dartboards.
“The dartboards are small and fit on their desks, and then we’ve followed up with ‘dart’ letters explaining how we can help them meet their business goals,” he says. “The fact that few in my industry would use this sort of marketing campaign has made us stand out.”
2. They’re adaptive. Necessity truly is the mother of invention, and this mindset drives innovative companies. Successful small-business owners know that the only constant is change and only companies that adapt to change survive and thrive. When you run a business that encourages acknowledgement of change as a constant and promotes adapting to change, you create an office culture that values creativity and innovation.
3. They’re customer-focused. Innovative companies know that customer reactions to services or products reveal a great deal about what sort of changes can be made to better serve them. By keeping in touch with clients and making them feel comfortable shopping and purchasing your services, you create an environment where innovative ideas flourish, says Sue Jackson, owner of the specialty retail shop Country Roads Antiques & Gardens, which has been in business in the same location since 1993.
“By staying in constant contact with your customers, you create a fertile environment that breeds innovative ideas,” she says. “It’s amazing how far you can get with simple words such as ‘thanks for coming in,’ or ‘nice to see you.’ And it’s incredible how much information your customers’ reaction to those words will get you.”
4. They channel drive and ambition. Innovation takes targeted thought, and targeted thought requires that you remain focused and driven. When you’re determined to succeed, you automatically find yourself looking at every possible angle for achieving success, and many of those angles turn out to be truly innovative.
5. They don’t fear experimentation. Innovative companies experiment constantly. Those small-business owners who succeed know that it takes much more than sticking with the status quo to thrive. While it’s definitely advisable to hold close those tried-and-true methods of selling your products or services, at the same time it’s also important to constantly branch out and ask yourself, “What if?”
Of course, it’s risky to experiment and carry a product that you’ve never sold before or offer a new service, but doing so is the only way to know what works and what doesn’t. It’s only a matter of time before one of your innovative experiments turns out to be a goldmine.
Try adding these traits of innovative companies to your business success arsenal, and you’re sure to come out a winner.
Photo: Thinkstock
A freelancer since 1985, Julie Bawden-Davis has written for many publications, including Entrepreneur, Better Homes & Gardens and Family Circle. Julie blogs via Contently.com
Want to keep employees motivated? Here are four ways that have nothing to do with money.
JANUARY 02, 2013Ronna Coe knows the best workforce is one that’s the most established, so the small-business owner does what she can to retain quality employees. She’s also aware that to keep her workers content, she must provide motivation in the workplace.
“Our business involves a real team effort, and it’s important that all employees know their value to the finished product and to customer satisfaction,” says Coe, chairman of Coastal Component Industries (CCI), which employs 18 people, more than half of whom have been with her for more than 10 years. The company was founded in 1990 and manufactures a wide variety of electronic components for the military, defense and aerospace markets.
Given the tight economy, Coe does her best to keep spirits up and employees inspired. While she does offer a variety of generous benefits, including 10o-percent company-paid employee health insurance and substantial year-end bonuses, she knows that she can’t solely rely on such monetary motivations, so she also focuses on intrinsic motivators like those highlighted in the well-known book on management, Work Happy: What Great Bosses Know, by Jill Geisler.
1. Focus on Employees’ Strengths
Effective managers know that focusing on employee strengths leads to satisfied workers. Giving employees the opportunity to concentrate on work that allows them to excel leads to high-quality workmanship.
“We expect a lot from our employees and we rely on their best effort every day,” Coe says, noting that an important part of encouraging competence is giving feedback. “We strive to always thank employees for a job well done when the work meets deadlines and our expectations.”
2. Be Flexible with Schedules
Giving employees control of their work environment whenever possible often motivates. Though the manufacturing nature of her business precludes her from allowing most of her employees an autonomous work schedule, Coe was able to offer flextime to her vice president, Diana Romero.
“My flexible schedule, which constitutes four days a week, allows me to take care of my granddaughter and gives me personal time,” Romero says. “This autonomy also really motivates me to do my best work, because it gives me the message that I’m valued and that makes me loyal to the company and its mission.”
State Farm insurance agent Rhonda Shader’s company provides insurance and financial services to small businesses, individuals and families. She also believes in motivating employees by providing autonomy and flexibility when possible.
“We have operating hours, but I always try to accommodate personal needs and wants,” says Shader, who employs six people. “Recently, my top salesperson asked to have one personal day a month off just to catch up. I readily agreed, and we worked out a plan we were both happy with to accommodate her request. I am always open to ideas, as long as we can continue to serve our customers well.”
3. Give Employees a Sense of Purpose
When it comes to what motivates employees, though a paycheck may seem like the obvious answer, it’s not always the prime motivator, says Shader, who notes that a person’s sense of purpose is often tied to job satisfaction, and the only way to understand that purpose is to get to know each employee.
“People respond to a variety of motivators,” Shader says. “It takes some work to figure out what each person needs, but once you determine what turns employees on and fuels their sense of purpose, they feel appreciated and valued, and you get their very best.”
4. Broadcast the Company’s Progress
Every employee wants to know that progress is being made and that they and the company are meeting goals. Good managers keep the workforce apprised of company targets and when they are met, as well as take special interest in the personal goals of employees.
At least once a year, Coe meets with every employee about their individual profit sharing plans. “We go over their account together, and they really appreciate the attention to this aspect of their personal financial goals,” she says. “They acknowledge how valuable this company benefit is and walk away feeling good about their progress.”
Keeping employees happy and productive in a tough economy may not be an easy task, but your business is sure to benefit when you incorporate these tactics for creating motivation in the workplace.
Unless you’re St. Nick toting a bag full of presents, catching and holding the attention of kids at a Christmas party takes some creativity. Consider these ideas for keeping children happy and entertained:
Decorate Gingerbread Houses
Give the kids their very own gingerbread houses and let the creativity soar as they pipe on frosting and add candy trim. Good decorating choices include candy canes, gumdrops, licorice rope, mints, jellybeans, lollipops and cinnamon-flavored candies. Coconut flakes look like snow when piled around the base of the house, and marshmallows stacked on top of one another make great snowmen.
Set out extra candy so the “elves” have something to snack on while they do their work. And make sure to take photos of the kids with their completed creations.
Bake Christmas Cookies
Give partygoers an elf baking hat (that’s a fancy name for a Santa cap), red or green apron, and a big pile of cookie cutters, and let the kids cut out their own sugar cookies. Take photos as they make their creations, which can be decorated with sugar sprinkles or icing once they’ve cooled. As a take-home goodie bag, have the kids wrap the cookies they don’t eat in cellophane and tie it up with a bow.
Help young guests ward off cabin fever by playing fun games like pin the tail on Rudolph, stocking races, Christmas bingo and Santa Says. Hand out holiday puzzles, set a timer and see which child puts a puzzle together the fastest.
Create a Christmas Storybook
Buy a large scrapbook and a variety of Christmas stickers and decorations. Have the kids gather ’round and encourage everyone to come up with a group Christmas story. If they’re at a loss for ideas, suggest they pattern the story after the Twelve Days of Christmas theme or Frosty the Snow Man’s story.
Using an archival pen, write the story as they dictate it to you. When they’re done, encourage them to illustrate each page with decorations and drawings. If there are just a few kids, let them decorate the book together, but if you have a large group, break them into smaller groups and have them take turns on the various pages.
Make Ornaments
Have the kids create a keepsake ornament for their tree at home. Hand out clear plastic ball ornaments and paints, glue and glitter, and let the kids decorate however they choose. Make the ornaments extra special by having the kids bring pictures of themselves to the party and glue the photos onto the ornaments.
Mixing a little preparation with a lot of ingenuity helps you throw a children’s Christmas party that Santa himself would want to attend.
A full house for Thanksgiving dinner makes for a festive occasion but creates some logistical challenges, such as where to put the kids. Sitting through a long meal with the adults can be challenging for many children. One solution that will make your youngest guests feel like VIPs: Create a kids’ table for dinner.
Here are some great ways to make a special spot for kids this Thanksgiving.
Kid-proof table settings
Colorful, unbreakable dishes, cups, and utensils are handy items to include in a child’s Thanksgiving setting. Or use paper table settings featuring a Thanksgiving theme.
Protect the table with a vinyl tablecloth or keep the kids busy by covering the table with brown craft paper, setting out crayons and encouraging them to decorate the table with their own artistic creations. Add to the fun by cutting out placemats from the craft paper, labeling one for each child and inviting them to decorate their own placemat, which also gives them a keepsake to mark the occasion.
Festive holiday decor
Have fun decorating the kids’ table. Create holiday cheer by including items like a centerpiece featuring a pumpkin carved with a Thanksgiving theme and illuminated by a flameless candle, a trio of Mayflower dishes filled with condiments like gravy and cranberry sauce, paper napkins folded like turkeys, or scatter the table with multi-colored fall leaves.
Provide fun activities
Help ensure that the adults enjoy a leisurely meal and good conversation by packing the kids’ table with a variety of activities, such as Thanksgiving word searches and crossword puzzles, holiday-themed coloring books and games like pin the feathers on the turkey.
Serve kid-friendly holiday fare
Make it likely that the kids enjoy their meal byserving up tasty, kid-friendly foods like turkey nuggets, ham cubes, marshmallow-topped yams, carrot sticks and buttery rolls.
Top the meal off by serving fun, homemade desserts featuring a Thanksgiving theme, such as sugar cookies decorated like turkeys, “cornucopia” made from sugar ice cream cones filled with multi-colored candies and pumpkin cupcakes. Let the kids decorate their own cupcakes by setting out orange, brown and white frosting, cake decorating tools and tasty sprinkle toppings.
Keeping the kids busy and happy this Thanksgiving with their very own table leads to plenty of time for you to enjoy good food and lively conversation with your friends and family.
[vc_row][vc_column][vc_custom_heading text=”Small Business Guide: A Primer on Capital Gains Tax”][vc_single_image image=”291″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]
Understanding capital gains can save small-business owners thousands of dollars in tax liabilities. Here’s what you need to know.
When it comes to minimizing tax liability, small-business owners can use all the help they can get. One area where it pays to understand tax law is capital gains tax.
Sell capital assets (investments such as real estate and stocks) through your business and the difference between the amount you paid for the assets and the amount you sold them for is considered a capital gain or loss.
, which assists small businesses with strategic planning that encourages company growth. “Effective capital gains management leads to a smaller tax bill, which means you have more working capital and better cash flow,” he says.Capital gains tax directly affects how small-business owners deal with assets, which makes proper handling of this tax issue important, says Kevin Cloward
, a certified public accountant and senior manager at Saddington Shusko. Any slip-ups in dealing with capital gains can cost small-business owners valuable tax dollars and result in substantial legal and accounting fees.
What Are Capital Assets?
Capital assets are any property other than inventory, specified literary or artistic property, business accounts receivable and certain U.S. publications. Examples of capital assets include, but aren’t limited to, stocks, bonds and real property.
How the Tax Works
The capital gains tax is a tax for capital assets that are sold at a higher price than their “basis,” which refers to the cost to acquire the asset less any depreciation, amortization or fees to dispose of the assets. So if you were to sell a piece of property for more than you bought it, your taxable capital gain will be your profit from the sale minus any fees, such as title insurance.
At what rate you are taxed for an asset depends on if it is considered capital property or dealer property. “Capital property is generally held for investment, whereas dealer property is usually meant for sale,” Cloward says. “If you are considered to be a dealer in an asset, it will be considered inventory, and capital gains tax treatment won’t be available. Intent is everything. Dealer property versus capital property is the subject of much litigation throughout the history of the tax courts so much care must be exercised in determining the character of the asset being sold.”
Short and Long-Term Gains
How long you hold a capital asset affects how much tax you owe. Short-term capital gains refer to assets that are sold within one year of when they were acquired, and these are taxed at a higher rate than long-term gains. “The capital gains tax rate for short-term capital gains are taxed at the ordinary income tax rate, which can be up to 35 percent for 2012 and up to 39.6 percent for 2013, unless the Bush tax cuts are extended,” Cloward says.
Long-term capital gains apply to assets held longer than one year and generally result in a lower tax. “The current rate for long-term capital gains is generally 15 percent for 2012 and is scheduled to increase to 20 percent in 2013,” Cloward says. “The new Medicare tax will tack on another 3.8 percent in 2013 on your capital gains (regardless of the holding period) if your adjusted gross income (AGI) exceeds $200,000 for individuals and $250,000 for taxpayers filing jointly.”
Due to the substantial differences in tax rates, generally, if you have an asset that is going to result in a gain, it is beneficial to refrain from selling it until after 12 months so that the gain will be taxed at the lower rate, says Moll. In light of the pending Medicare tax, however, Cloward suggests consulting with your accountant about whether or not to sell appreciated capital assets in 2012 or wait until 2013.
Deferring or Reducing Capital Gains Tax
Besides holding assets for longer than 12 months, there are other methods of deferring and reducing capital gains, such as installment sales. This method of reporting for a non-dealer is available if at least one payment is to be received after the close of the taxable year in which the sale occurs. The taxpayer can then defer the gain as payments are received in subsequent years.
A Section 1031 exchange also provides the opportunity to defer gains. This involves purchasing a “like-kind” piece of property within 180 days of the sale of another. It must be property held for investment or used in the trade or business. The basis and debt of the new property must equal or exceed the basis and debt of the property sold.
You might also be able to offset capital gains with capital losses. If you have excess capital losses of up to $3,000, they can be deducted against ordinary income, and remaining capital losses can be carried forward indefinitely.
Now that you know the basics of capital gains tax, you can use this information, along with the expert advice of your accountant, to make financially advantageous tax decisions that will increase cash flow for your company.
A freelancer since 1985, Julie Bawden-Davis has written for many publications, including Entrepreneur, Better Homes & Gardens and Family Circle. Julie blogs via Contently.com
Whether you need to offset the cost of owning your vacation house, have decided that you don’t use it often enough, or are concerned about it sitting empty, you may decide it’s time to share your home away from home with others and rent out the property. Consider these tips for converting a vacation home into a rental.
Decide on an objective.
Calculate how much net rental income you will earn weekly, monthly or annually. Be sure to include all your expenses, including insurance and upkeep. Then determine how many weeks you want to rent your vacation home and at what times of the year. If you use your cabin in the mountains on New Year’s, decide if this is a holiday you’re willing to give up in order to secure the rental earnings. This all will help you determine the best times to offer the home as a rental.
Check on local laws and with your accountant.
Consult with the city and/or your homeowners association regarding any permits or licenses that you need in order to rent your property. Also talk to your accountant, who will advise you as to how to deal with the tax ramifications of earning rental fees on your property.
Decide on rent by owner or property management.
Whether you rent the property yourself or hire a property management company depends on a variety of factors. If you are into DIY and are available to take a hands-on approach to managing the vacation rental property and screening the renters, then renting the property yourself may work well. It will save you on property management commissions and fees.
If, on the other hand, you are not close to the rental property and have limited time for tasks such as screening renters and fixing leaky pipes (or locating someone to do so), then hiring a property management firm is your best bet.
Remove or store personal items.
You’ll be sharing your vacation residence with what may be strangers, and for your comfort and theirs, it’s important that you don’t leave personal effects in the vacation home. If you wish to store some of your personal items on the rental property, such as a change of clothing and toiletry items and food, it’s best to put these things in a locked closet that can only be accessed by you.
Hire a cleaning service.
Unless you’re going to clean up the vacation rental after each guest checks out, it’s important to hire a cleaning service to do so. Such a service is especially important if you won’t be there in between guests.
Provide rental necessities.
Prior to opening your vacation home to renters, make sure that the property is well-stocked with a variety of necessities such as bathroom towels, tissue and a hair dryer, kitchen items such as pots and pans and tableware, and high-speed Internet access.
Armed with these top tips for converting a vacation home into a rental, you can make money while sharing the charm of your vacation house with others.[/vc_column_text][/vc_column][/vc_row]
Maintaining clean carpets leaves your home looking and smelling fresh. Cleaning the carpeting or having it cleaned on a regular basis also extends its life. Here are the pros and cons when deciding whether to steam-clean or shampoo your carpets.
Shampooing
Shampooing your carpet requires a shampooing machine that features a solution tank and cleaning attachment with a nylon brush. The brush spins and releases carpet cleaning solution into the carpeting, which creates foam. Moving in a circular fashion, the brush scrubs the carpeting. The carpet requires vacuuming before and after cleaning.
Advantages
The circular scrubbing motion of the shampooing machine works well in cleaning carpeting that is heavily soiled. This method is appropriate for small rooms and area rugs. Shampooing also captures loose dust and dirt that have embedded into the carpet fibers. Shampoo carpet cleaners are readily available for renting.
Disadvantages
Shampooing can damage carpet fibers if the circular scrubbing motion is too intense for your carpeting. This method can also leave a soap residue that attracts dirt. And when you shampoo your carpeting, it requires drying time, which may be delayed during wet or cold weather.
Steam cleaning
Steam cleaning machines are more complex than shampooers. These machines use a powerful vacuum and pump system that is attached to a truck or portable electric unit. The system consists of a cleaning wand that emits hot water and a cleaning solution, and then a wastewater hose sucks the cleaning solution out of the carpeting.
Advantages
Steam cleaning works well for wall-to-wall carpeting because the wand is easily maneuvered around the edges of the carpeting and furniture. Because of the vacuum pump system, this method performs a deep clean by pulling out dirt stuck deep inside the carpeting.
Disadvantages
Steam cleaning is more complex than shampooing. It involves the use of both cleaning and rinsing solutions. Although the steam cleaning machine is powerful, it doesn’t always extract all the carpet cleaner from the carpet. If that occurs, the carpet will resoil fairly quickly. It is also difficult to do steam cleaning yourself because the truck-mounted machines are not usually available for rent.
Understanding the pros and cons of shampooing and steam cleaning your carpeting helps you make the best choice for your carpeting and your home.
[vc_row][vc_column][vc_custom_heading text=”5 Ways to Put Customers First”][vc_single_image image=”414″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]
In the social media age, customers expect to engage with the businesses they patronize. Here are out-of-the-box ways to show your gratitude.
OCTOBER 08, 2012 When small-business owner Beth Davidson wants to thank customers for their patronage, the owner of Dragonfly Shops & Gardens believes in as public an acknowledgment as possible. To do so, she often uses social media.
“If it’s appropriate, I try to thank people in a way that is most beneficial to them,” says Davidson, whose boutique retail shop in Orange, Calif. features a mix of home and garden merchandise, personal items like clothing and jewelry and offers classes on a variety of topics. “Recently, for instance, I did a shout-out on Facebook about a customer who does wedding photography and recommended her services.”
Savvy business owners know that thanking customers is good business, and when the acknowledgments are also clever and innovative, even better, says Prudential Realtor Kathy McCarthy, who owns her own business and spends a great deal of time devising imaginative ways to recognize her clients.
This National Customer Service Week, try experimenting with the following creative ways for putting your customers in the limelight.
1. Thank them exponentially. Davidson’s acknowledgment of customers via social media serves a variety of purposes. “Customers love it when you turn the tables and put the spotlight on them, and it really is a win-win for everyone,” she says. “You get to thank them for their patronage, and they receive exposure for their business.”
In order to be able to spread the word about the services customers offer, take the time to talk with clients and learn about their lives, advises Davidson.
“Chit-chat reveals a great deal about people,” she says. “Taking a few moments to talk gives you key information, such as if a person owns a photography studio or sells insurance, or if the customer is a collector of your merchandise.”
2. Throw a party. Just about everyone loves a reason to celebrate, and McCarthy capitalizes on that fact by throwing an “introduction” party for new clients.
“In areas where I’ve sold several homes, I’ve thrown parties for people who are new to a neighborhood,” she says. “I’ll invite their neighbors, whom I’ve sold to in the past, as well as local business professionals like dentists and doctors who could potentially get business from the introductions,” she says. “Everyone has a great time, and a variety of connections are inevitably made.”
3. Create a customer “wall of fame.” A wall of fame that contains photos of customers puts the spotlight on them and serves as a visual reminder to all who enter your office of how much you value your clients. Make the presentation appealing by putting each photo in matching frames and devoting a wall to the display. For those individuals who prefer not to be photographed, have a plaque engraved with their name. A virtual wall of fame on your website can also work well.
4. Write about your customers. Spotlight your best customers by interviewing them and including the articles in a company newsletter. Take the opportunity to ask what they think about your services, as well as information about themselves, such as their hobbies and careers and if they own their own businesses. Most people enjoy reading about themselves and are bound to pass the article on to everyone they know, which is great advertising for you.
5. Create a company video. Video content is a rapidly growing segment of online media. Take advantage of this technology and film your own video that includes information on your company, some of which can be told through your best customers. Flatter those clients by featuring them in the video and ask them to share anecdotes about your business that illustrate why they’ve remained loyal customers.
For the small-business owner, celebrating customers is an enjoyable task that leads to happy clients and increased business at any time of year.
A freelancer since 1985, Julie Bawden-Davis has written for many publications, including Entrepreneur, Better Homes & Gardens and Family Circle. Julie blogs via Contently.com
Miss City of Orange 2011 Katie Barnum (front) with this year’s contestants (from left) Devon Culnane, Katy Talon, Megan Wisler, Lauren Benke, Sharon Kong, Katie Wayland and Stephanie Patterson.
If you think that beauty pageants are nothing more than a sea of pretty faces, then you’ll want to attend this year’s Miss City of Orange Scholarship Pageant. At the event to be held on September 17th, you’ll quickly discover that while the participants are indeed beautiful, their talents and drive and determination run much deeper than you might think.
The contestants do compete in an evening gown and physical fitness swimsuit contest, but they also perform a talent for the audience and answer an onstage question. The winner of the pageant takes on the commitment of becoming an ambassador for the City of Orange for the following year.
Rachel Berry won Miss City of Orange in 2010. “When people met me during my year as Miss Orange, they were always surprised at how involved I was in the community and how well–rounded I am,” says Berry, who graduated from Chapman University last year. “I considered my reign as Miss City of Orange as a part-time job, and one of the reasons I ran for the title was that I wanted to get to know more about the city and meet the leaders. Once people understand how the pageant works, they respect the program and how it empowers young women.”
“Many of the girls who have gone through the process will unabashedly tell you that the program changed their lives,” says Connie Benson, Executive Director of Miss City of Orange for the past nine years.
“During her year of service, Miss City of Orange attends numerous local events and puts on the ‘Queen for a Day’ leadership workshop for 2nd through 6th grade girls,” says Benson. “The pageant winner learns to handle herself extemporaneously in front of audiences and organizations. She also gets the opportunity to represent a charitable organization of her choice. And the scholarship money is of great assistance. The pageant awards over $5,000 each year.”
The winner of Miss City of Orange gets a chance to compete in Miss California. Berry, whose mother owned a dance studio, competed in 2010 and made the top 10, winning in the talent category for her tap dance routine. She went back this year, placing in the top 10 again and winning overall in the interview category. This year Miss City of Orange 2009, Noelle Freeman, won the Miss California title.
In its 76th year, the Miss City of Orange pageant was once a strictly community event and not affiliated with the Miss California/Miss America program, says Benson. “In the 1980’s, the then Executive Director Elsa Olson got the program a franchise under the Miss California Scholarship Pageant, and it was at that point that our Miss City of Orange began competing at Miss California,” she says.
Berry got so much out of the Miss Orange pageant that she encourages other young women to give it a try. “It’s worth competing in the pageant even if you don’t win,” she says. “The competition process helped me discover what works for me as a person and what’s important, and the training in public speaking and networking is invaluable. I’ll use the skills I learned for the rest of my life.”
The Miss City of Orange 2012 Scholarship Pageant will be held on Saturday, September 17th at Chapman University Memorial Hall at 7 pm. Tickets are $15 with a student ID and $25 for all other attendees. The contestants will do an opening dance number, and Noelle Freeman will share the talent she’ll be performing at the Miss America Pageant in January. The Chapman University Dance Team will also perform, along with the school’s Men of Harmony, and “Queen for a Day“ participants will do a number with Berry.
The Miss City of Orange pageant is a non–profit, all–volunteer organization, and the girls do not pay an entry fee to participate. Each contestant receives some scholarship money. For information, visit the pageant’s website at MissCityofOrange.com
Published in the Sep/Oct 2011 edition of the Old Towne Orange Plaza Review
Written by Julie Bawden-Davis, Photograph by Rachel Berry
A baby shower is an exciting, joyous event full of anticipation. Make the occasion as festive as possible by trying the following tips for decorating for a baby shower.
Decide on a theme
Having a specific theme helps direct you toward the appropriate décor for your baby shower. Good themes that give you plenty to work with include a stork delivery theme, a diaper shower that requires each guest to bring a package of diapers and a baby chick birthday party featuring fuzzy, cute chickadees.
Showcase old photos
Gather photos of the early years of mom- and dad-to-be and arrange them on a ribbon garland or in a photo album. Guests will have a great time viewing the old photos and predicting who the baby will resemble.
Highlight balloons
With balloon art, you can make just about anything you want for your baby shower—from baby “bottles” to a wide variety of animals like giraffes, bears and elephants. Hire a balloon artist to attend the baby shower and provide guests with their own balloons creations. This is an especially big hit if your shower includes young guests.
Feature cupcakes
Cupcakes do double-duty of feeding guests as well as offering you immense decorating opportunities. Decorate cupcakes to represent various baby items such as bottles, bows and ribbons, cribs and baby carriages. Make a dramatic statement when decorating for a baby shower by creating a cupcake tower as a centerpiece.
Take advantage of nursery rhymes
Choose one or more favorite nursery rhymes and then decorate accordingly. Cute nursery rhyme characters such as Humpty Dumpty, Little Bow Peep, Little Jack Horner, Mary Had a Little Lamb and Rock-a-Bye Baby offer you a wealth of decorating opportunities for a baby shower. Use the characters in the nursery rhymes to decorate items like place mats and offer nursery rhyme books as party favors.
Use practical baby items
Decorate with useable baby items that the mom-to-be can take home at the end of the party, such as bottles and baby booties filled with candy and carriages brimming with gifts. Hang baby mobiles from the lights and place stuffed animals sporting bows and ribbons throughout the room.
Make a baby shower wreath
Welcome baby shower guests at the front door with a wreath decorated with a variety of baby items such as socks, onesies, pacifiers, rattles, washcloths and baby lotion. Give mom the wreath to take home when the festivities are over.
Use these festive tips for decorating for a baby shower, and the mom-to-be is sure to fondly remember the party for many years to come.
[vc_row][vc_column][vc_custom_heading text=”How to Extend the Growing Season in Colder Climates”][vc_single_image image=”341″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]The shortening, cooler days don’t have to spell the end to your vegetable garden. Try the following horticultural tricks to extend the growing season in colder climates.
Plant in summer
While the days are still warm, plant crops that do well in the fall months and can take some frost, such as lettuce, spinach, broccoli, cauliflower and root crops such as carrots and beets. Plants will grow quickly in the summer heat and set down roots, which makes the crops strong and ready to produce when the weather cools. This tactic is also important because it enables you to get plants to a large size before the daylight shortens and growth slows.
Carefully choose the planting area
Where you plant has a definite bearing on how long your vegetables continue to produce. Extend the growing season by planting in a raised area with excellent drainage. Cold settles in low-lying areas and poor drainage will lead to root rot, especially when temperatures dip.
Mulch
Protecting the soil surrounding the plants with a 2- to 4-inch-thick layer of mulch traps in heat, keeping the plant roots warmer than if you were to leave the soil exposed. Use shredded bark or straw and apply the mulch around the base of the plant at least 6 to 8 inches out. Replace the mulch if it washes away during rainy weather.
Protect your crops
A variety of methods exist for protecting your vegetable crops from the cold and extending the growing season. Try one or more of the following protection devices:
Hoop house: Hoop houses consist of a row of metal hoops that are covered with plastic that is secured to the hoops. Such structures are miniature greenhouses that protect the plants from rain and wind. They also keep the temperature inside elevated enough to extend the harvest into winter.
Cold frame: If you’re really serious about extending your vegetable-growing season well into cold weather, a cold frame is an excellent season extender. This type of sturdy structure can be composed of wood, brick, cinder block or cement and is essentially a box with a window on the top that lets in sunlight but keeps out the cold.
Greenhouse: The best way to extend the growing season through the cold months is to grow your vegetables in a greenhouse. Such a structure provides crops with even temperatures and bright light.
Outsmarting the weather and extending your garden harvest may take some work, but the tasty results are well worth the effort.[/vc_column_text][/vc_column][/vc_row]