RALEIGH - The conservation group American Rivers says the city of Raleigh could cut water use up to 40 percent and save millions of dollars by improving water efficiency.
But a city environmental coordinator says Raleigh has already adopted many of the policies the organization recommends.
American Rivers issued a report Wednesday in which it analyzed how four cities in the Southeast could benefit from water efficiency, as opposed to building new dams and reservoirs. It concluded that Raleigh could save $30 million to $60 million by pursuing efficiency as compared with building dams and reservoirs.
“I don’t know how they developed the numbers,” said Ed Buchan, the city Utilities Department’s environmental coordinator. “We think that a lot of the things we’ve already done have saved us some money.”
Buchan noted, however, that cutting consumption also reduces the city’s revenue from water and sewer charges. And Buchan said that even with efficient use of water, growing communities such as Raleigh must still plan new reservoirs.
Read More:News & Observer
How to Keep Your Family Flu-free
(ARA) - “Sniffle, sniffle, wheeze, wheeze.” These are tell-tale sounds of cold and flu season, which is right around the corner. With a little knowledge and a few smart tips, you and your family may make it through the winter without a single “ah-choo!”
Lifestyle expert Hannah Keeley, author and founder of TotalMom.com, offers the following tips for keeping your family flu-free this winter:
Get your daily dose of healthy food.
Eating raw fruits and vegetables not only helps your digestive health, it also strengthens your immune system. But as any mom can tell you, it’s hard to get your family thrilled about noshing on raw carrots all day. Try fresh or frozen fruit smoothies or offer raw veggie slices served with a zesty dip. Be creative – look for opportunities to slide some sprouts in a sandwich or hide sliced peppers in a wrap. A healthy diet makes for a healthy family.
Wash your hands.
Mothers have been chanting the same mantra for ages, so why mess with a good thing? The simple act of washing hands with good old-fashioned soap and water is, hands down — no pun intended — the best way to prevent the spread of colds and viruses. Make soap easy for children to reach and try paper towels for drying instead of cloth towels, which can harbor germs.
Keep your body moving.
Daily exercise is a great way to strengthen your immune system; and we all know that a strong immune system is key to fighting off potential infections. Even though the cooler winter weather drives us indoors, make time during the day to get up and move. Turn on some music and dance around the house or bundle the kids up and go skating. Find ways to make exercise fun and get the whole family in on the action.
Take a daily multi-vitamin.
Many people suffer from diets that are low in the essential vitamins and minerals your body needs to guard against disease. Protect the health of you and your family by taking a daily multi-vitamin. Remind the kids to take their vitamins by making it a part of your family’s morning breakfast routine.
Tell a good joke.
Stress can make the body more susceptible to catching colds and the flu. Fight off stress this season with a little laughter, fun and games. Host a weekly family game night, watch a hilarious family comedy together, or share funny stories around the dinner table. You’re not just strengthening bodies; you’re strengthening your family.
Clean the air.
During the winter, your family is exposed to viruses that circulate in the air they breathe both outside and indoors. While indoors, protect your family by installing a whole-home air filtration system like American Standard AccuClean. Not only does the American Standard AccuClean system remove a whopping 99.98 percent of particles and allergens from indoor air, but according to a recent Harvard University research study, it also removes more than 99 percent of the common flu, or influenza A virus, from your home’s filtered air. It’s an easy way to keep your family breathing clean, comfortable air all year long.
Forget stocking up on the tissues and expensive meds. In just a few simple steps, you can protect your family and look forward to a fun and healthy winter together.
Courtesy of ARAcontent
Tips to Earn Extra Money and Stretch Your Dollar
(ARA) – With items like gas and groceries at record highs, it seems that virtually everyone is feeling the crunch from the increased cost of living. Many American families have been re-evaluating their budgets and contemplating ways to increase cash flow and still enjoy time with their nearest and dearest. As the cost of living increases and the holiday season draws near, it is worth looking at entrepreneurial ways to help ensure that your cash flow doesn’t fall short.
Believe it or not you can be your own boss and work part-time.
One way to earn extra money and still have a social life is to combine the two. Many popular brands have a direct selling arm, so you can become a consultant for them. For example, The Body Shop At Home is a business that is different, which allows consultants to throw parties and sell their favorite products, and represent a business that shares their own personal values. Consultants have flexible scheduling options and work as little or as much as they want hosting parties that feature a broad line of The Body Shop products, including some exclusives that can’t be bought anywhere else.
“Women and even men enjoy shopping this way because they get all their personal products in one place so as well as all the other great benefits they also save gas money,” says Jo Price, sales director for The Body Shop At Home. “Also they have the added benefit of knowing they are making a difference through their purchase. Many of the products contain Community Trade ingredients bought from small-scale farmers at a fair price, giving them a stable income and hope for the future. This means that every time you sell a product you know that you are supporting communities who would otherwise struggle to make a living wage, so when you buy The Body Shop At Home products you get the added feel-good factor of knowing you’re buying high quality beauty items made through fair business practices.”
“Additionally, the exclusive products we sell are really great and are something customers get really excited about because they can’t find them in stores or anywhere else. For example, the Rich Plum bath and body range is a best seller along with the Shimmer Cubes eye shadows, made with Community Trade Marula Oil. For the one stop makeover, women love the exclusive Eye, Lip and Cheek Palette that has everything you need for day or night. This job really allows women to do something they enjoy, be their own boss, and feel good about how they earn my money.”
If you’re looking for additional ways to earn or save cash, there are many options. Try having a garage sale, sell your items on eBay or to a second-hand store. When shopping, plan out your trips and stick to a budget. You might even consider trading services with someone. For example, offer childcare services in exchange for a neighbor fixing a leaky faucet.
For more information about becoming a Consultant for Then Body Shop at Home visit www.TheBodyShopatHome.com, call (866) 775-8049 or e-mail AtHomeLeads@TheBodyShop.com.
Courtesy of ARAcontent
Make Smart Spending, Saving a Family Resolution
(ARA) – With the economic crisis hitting everyone in the pocketbook, it’s more important than ever for parents to talk to their children about how to manage money. New Year’s — a prime resolution time for millions of Americans — is a great time for children and their parents to learn better spending and savings practices together.
Forty-six percent of American families hold a credit card balance according to the U.S. Census Bureau’s 2004 statistics. And in 2007, more than 800,000 bankruptcy cases were filed in the United States.
Managing money is a family affair. By resolving to set financial goals and working together to practice management, families can enjoy independence and security. “Parents and their children can learn from and challenge each other to plan better ways to use the money they earn and save,” says Scott Oberkrom, director of Community Investments at American Century Investments.
As families sit down to discuss their financial resolution, they need to determine how the changes will affect each member. Once the resolution is finalized, post it in a public place so all members can see it every day. Visit www.YesYouCanOnline.info to learn more on how to make sure resolutions stick.
Some tips families can incorporate into their smart money management resolution include:
1. Financial responsibility starts with examples from home.
Parents need to evaluate their budgets and make wise spending choices — don’t buy a new speed boat if you just told the kids you couldn’t afford to get them a new iPod. Share the family budget with your children to demonstrate how money doesn’t grow on trees and the family has regular expenses that must be paid.
2. Set up allowances for children.
Once your children are old enough to understand basic math, an allowance can help them learn how to budget, spend and save. Parents can also set up allowances for themselves. Showing the children that Mom and Dad fit haircuts, buying lunch or shopping for new clothes for themselves within a weekly cash budget gives children the best example of wise money management.
3. Take a trip to the bank and organize savings accounts.
Children — and many adults, it seems — need to be taught how to save money. Take the whole family to the bank to set up savings accounts. Decide as a team what goal you’re saving toward. Parents should consider saving to help secure the family in case of a financial crisis. Kids’ accounts could be earmarked for college tuition or to buy their first car.
4. Teach kids creative ways to earn money.
A hobby could become an income-generator for all members of the family. Perhaps you have a tremendous green thumb. And maybe you have your children help tend the vegetables and pull the weeds in the garden. The entire family can turn this hobby into a small income by taking the produce to farmers markets or setting up a neighborhood stand.
All New Year’s resolutions take work, but they can be accomplished if all family members share in the effort. Having all family members work together, giving encouragement and little reminders, also can help you stay on track.
“Setting goals, both at New Year’s and throughout the year, is one way people can achieve their dreams,” says James Stowers, founder of American Century Investments. “As I reflect on what I have learned through the years, I am convinced that anyone — and I mean anyone — can become what they are absolutely determined to be.”
Make 2009 the year your family resolves to take charge of your money management together. Visit www.YesYouCanOnline.info for additional tips.
Courtesy of ARAcontent.com
CARY, N.C. – Michael G. Carlton, president of Crescent State Bank, a wholly owned subsidiary of Crescent Financial Corporation (NASDAQ Global Market SM), has announced the release of an audio podcast discussing Fighting Fraud, the first event in Crescent State Bank’s Centsibility Series. In the podcast, Jo Sorbi, security director for the bank, describes what attendees can expect from Fighting Fraud, an event designed to educate the community on the dangers of identity theft. Sorbi provides a list of sensitive material attendees should bring to shred in addition to an overview of future events scheduled for the Centsibility Series.
Fighting Fraud will take place on Thursday, Oct. 16 from 4 to 7 p.m. at the Cary Chamber of Commerce, located at 307 N. Academy St. This community event will focus on the importance of discarding personal documents and sensitive material properly. The event will include a Shred-a-thon and Fighting Fraud Seminar, featuring a panel of fraud experts. The Centsibility Series, not just for clients, is designed to educate seniors, families, and business owners on a variety of financial topics such as identity theft and fraud.
The podcast is available for download at http://www.mmimarketing.com/files/josorbifightingfraud.mp3.
Read More:CarolinaNewsWire
Five Tips for Keeping Pets Healthy and Vet Bills Down
(ARA) – When it comes to caring for our pets’ health, most of us don’t bat an eye when it comes to spending money on expensive prescriptions or procedures, even for common health problems like skin allergies, digestive upset and urinary tract infections.
But with the average household owning 1.7 dogs and 2.2 cats, according to the American Veterinary Medical Association’s 2007 survey, those visits can add up. Now more than ever, pet owners are seeking out ways to keep their vet bills down while maintaining the health and happiness of their pets.
“We’re all trying to trim daily expenditures to compensate for rising commodity costs, and unnecessary expenses are usually the first to go,” says Dr. Susan Lauten, pet expert and nutrition consultant. “While there may be health problems that require a vet’s treatment, many common pet ailments can be treated and prevented in more cost effective ways.”
Lauten offers five ways to help keep your pet healthy while reducing healthcare costs.
1. Good nutrition is the key to good health. Instead of skimping on your pet food budget, select high quality foods with high levels of meat proteins and whole grains. Healthy pets with strong immune systems, healthy coats and strong teeth are less susceptible to disease.
2. Feeding your pet a variety of foods can minimize the development of food allergies. By providing pets with different proteins and forms, like kibble, canned and raw frozen, the Rotation Diet from Nature’s Variety offers the full spectrum of nutrients cats and dogs need to avoid food-related health problems.
3. Keep your pet clean and parasite-free. Paying extra attention to grooming during the summer months can help avoid skin disease, parasite-related diseases from ticks and fleas, and hot spots.
4. Make sure your pet visits the veterinarian for regular checkups. It’s also important to talk to your veterinarian about the importance of proper nutrition and holistic healthcare options for your special pet.
5. If your pet shows signs of illness, be sure to visit your veterinarian right away. Early detection can reduce the overall cost of treatment.
Lauten stresses the fact that quality pet food should remain a financial priority. “Changing to a low quality food to save money can result in increased food requirements, poor immune health, decreased coat quality and poor skin health,” says Lauten. “In the end, it could result in more vet expenditures and more bills.”
Sage’s Story
Sage was dropped off at the Benicia Vallejo Humane Society in Vallejo, Calif., when she was just a puppy. The underweight Boxer was suffering from severe skin problems, was missing large patches of hair and was in generally poor health. The Director of Human Services, Peter Wilson, was deeply concerned for Sage’s well-being and considered a variety of options for treatment.
“Sage’s skin condition was from a lack of care and possible allergies,” says Wilson. “Nature’s Variety donated product to help with Sage and encouraged us to feed her a Rotation Diet with different forms of kibble, canned and raw frozen food, and different proteins such as chicken and duck.”
The variety of foods in the Rotation Diet provided Sage with more balanced nutrition, which helped to stabilize her health and combat any possible allergies. In a few weeks, Sage’s skin had begun to heal. Sage is now happy, healthy, allergy-free and living with her new adoptive family.
“Sage’s story is a perfect example of the effect a quality diet can have on a pet’s overall health,” says Lauten. “All it took was the implementation of a broader and balanced variety of foods to provide her with the nutrients she needed to get better.”
More Quality Now, Fewer Problems Later
Strong health starts with proper nutrition. Feeding a high-quality Rotation Diet will help keep pets in top condition so they are more resistant to health problems. Adding in exercise and routine check-ups will also ensure your dog or cat maintains optimal wellness.
For more information on the health benefits of balanced, nutritionally complete diets, as well as a feeding guide for determining your pet’s specific needs, visit www.naturesvariety.com.
Courtesy of ARAcontent
Tips for Road Trips With Pets
(ARA) - Bringing the family pet along on a road trip may seem like a good idea – you don’t have to ask friends or family to look after your pet and you can avoid the costs and concerns that go with boarding and kennels. But traveling with pets in the car also brings special challenges that, fortunately, can be met with a bit of forethought and careful preparation of both the vehicle and pet.
According to information from the American Veterinary Medical Association (AVMA), which recently teamed with Subaru of America to produce a brochure on pet travel tips, bringing a pet along on a road trip simply involves adapting your routine to the road. All of the things you take into consideration at home – your pet’s health, happiness and safety – should be thoughtfully addressed when traveling with your pet.
Here are 10 helpful tips for road-tripping with pets from the AVMA and Subaru:
* If your pet is not accustomed to car travel, take it for a few short rides before your trip so it will feel confident that a car outing does not necessarily mean a trip to the veterinarian or an unpleasant destination.
* Cats should always be confined to a cage or in a cat carrier to allow them to feel secure and prevent them from crawling under your feet while you are driving.
* Dogs riding in a car should not ride in the passenger seat if it is equipped with an airbag, and should never be allowed to sit on the driver’s lap.
* See your automotive dealer for pet accessories designed specifically to fit your vehicle, such as compartment dividers that separate pets and cargo from the passenger area. Several automobile manufacturers, including Subaru, offer a dog guard/compartment divider that keeps pets safely in the rear cargo area of station wagons, “crossover” vehicles and SUVs.
* Pets should not be allowed to ride with their heads outside car windows. Particles of dirt or other debris can enter the eyes, ears, and nose, causing injury or infection.
* Give small portions of food and water. Plan to stop every two hours for exercise. Remember to include a leash with your pet’s traveling supplies.
* If your dog has a problem with carsickness, your veterinarian can prescribe medication that will help the dog feel comfortable during a long car trip.
* Pack a simple pet first-aid kit that includes assorted bandages, antiseptic cream, an anti-diarrheal medication that is safe for pets (ask your veterinarian to suggest a product), gauze squares, phone numbers for your veterinarian, and a 24-hour emergency veterinary hospital at your destination, as well as a national poison control hotline.
* In addition to a standard identification tag (which should be labeled with your name, home address, and phone number), your pet’s collar should include a travel tag with information on where you are staying while away from home. Should your pet become lost, this will allow you to be contacted locally.
* Perform a daily “health check” on your pet when away from home. In unfamiliar surroundings, your pet’s appetite, energy, and disposition may change. Watch for unusual discharges from the nose and eyes, excessive scratching or biting of any body part, abnormal elimination, or excessive water consumption. Visit a local veterinarian if you are concerned about any physical or behavioral changes.
As you can see, a little planning and a carefully prepared vehicle can make all the difference between a good time had by all and a road trip filled with regret.
To download a color copy of the AVMA/Subaru Traveling With Your Pet brochure, visit
http://www.avma.org/animal_health/brochures/traveling/traveling_brochure.pdf.
Courtesy of ARAcontent
Less than sixty minutes in seven days.
That’s the amount of exercise that can measurably improve quality of life for people who are obese, according to Duke Diet and Fitness Center research released today.
People in a study of 1,200 people who exercised for a little less than one hour a week still enjoyed better quality of life and improved ability to perform daily tasks.
“Things that many people take for granted, like tying one’s shoes, getting dressed or simply moving around, were easier for those who reported routine exercise,” Martin Binks, research director at the Duke Diet and Fitness Center, said in a news release.
The benefits of exercise for obese people have not been as thoroughly studied as for mild or moderately overweight people, said Binks, who presented the research at this weekend’s meeting of the Obese Society in Phoenix, Ariz.
“It shows the value of starting to move no matter how overweight you are,” he said.
In July, obesity researchers, including Wake Forest University’s Wei Lang, found that four hours and 15 minutes of exercise per week was necessary for overweight and obese women to lose pounds and keep them off during a two-year period
Read More:News & Observer
Fallout from U.S. economy feared
RALEIGH - Gov. Mike Easley has told state agency leaders to cut their budgets by 2 percent in case the national economic downturn takes a toll on the state’s revenues.
So far the state’s finances are faring well considering the economic crisis facing the nation. But top advisers to Easley said Thursday that cutting back now would make it easier to react if the state’s sluggish revenues worsen.
“Given the problems with the national economy and given the volatility in the markets, it would be irresponsible to just think everything would be fine,” said Dan Gerlach, a senior budget adviser to Easley, who has a few months left in office. “It is the fiscally responsible action to make sure that the next administration has sufficient reserves to manage the potential situation.”
The cut is actually a reversion, which means the state holds back 2 percent of current agency budgets. A 2 percent reduction amounts to roughly $400 million from the $21.4 billion state budget that lawmakers passed in July. The total will probably be lower because public schools, college financial aid and Medicaid are exempt from the cuts.
The reductions could mean fewer classes for students at community colleges, which typically see a spike in enrollment during tough economic times.
Wake Tech President Steve Scott said full-time enrollment is up roughly 10 percent over the previous academic year. He said state officials gave him advance warning two months ago that budget reductions could be on the way. The college is looking to trim expenses and reach out to private donors for help. It also has received an additional $500,000 from the county to help with the opening of new facilities.
But Scott said that likely won’t be enough to prevent cuts in the spring semester.
“We went ahead and offered the classes in the fall with the assumption that we would have a million dollars more than it looks like we’re going to have come springtime,” Scott said. “So that could be exceptionally problematic, and we’ll have to turn people away. That is what it boils down to.”
Read More:News & Observer
ARA) - Helping a parent move to senior housing can seem more intimidating than orchestrating a rocket launch.
The death of a spouse, declining health or safety concerns can trigger the need to move. The first phase comes with the realization that what has been home is no longer suitable.
Emotional ties to a place are hard to overcome. Finding a new home that is appealing and appropriate is no easy task, and neither is culling through a lifetime’s accumulation of “stuff.”
It may not take a rocket scientist to work through this multi-phase life change. But finding a professional who knows the ropes can make it easier for the more than 29 percent of home sellers age 65 and older who move into an active-adult community or senior-related housing each year.
That professional may be a Seniors Real Estate Specialist (SRES), an agent who receives special training and demonstrates the expertise to navigate the unique housing needs of clients age 50 and older. “Services to seniors are changing to meet the lifestyles we live. Senior communities are changing to meet the expectations of baby boomers and today’s retirees, too,” says Carol Kairis, managing director, SRES Council and Specialties, National Association of Realtors.
“The range of senior housing options is diverse and would surprise many Americans who often think of senior housing as only nursing homes. Assisted living facilities address the needs of those who need support services, and continuing care retirement communities are wonderful options for those who wish to age in place.”
Nationwide, more than 16,000 realtors have attained the SRES designation. In the same way a real estate agent recommends a plumber or landscaper to a client, an SRES agent assembles a team to address client needs — repair companies, professional organizers, estate sales agents, and senior move managers who pack, transport and unpack in the new location.
“An SRES agent can help you develop a strategy, then bring in a team to help take one room at a time to organize and dispose of goods. They can help you decide where you’re going to go, and recommend a mover,” says Armand Christopher, a seasoned SRES real estate broker and member of the SRES National Advisory Board of the National Association of Realtors.
Christopher has an active practice in the Dallas-Fort Worth area and offers these tips no matter where seniors live:
1. Plan ahead. Don’t wait for a health crisis to start the process. The smoothest transitions occur when the person moving is in the driver’s seat.
2. Engage professionals. SRES agents understand the dynamics of a senior move. They are trained about the benefits and drawbacks of reverse mortgages and can help you understand how to use pensions, 401K accounts and IRAs in real estate transactions. They also know how Medicare, Medicaid and Social Security will affect your real estate decisions.
3. Get a full assessment of the current situation. Physical care needs and financial resources are where to start. Consider the costs of staying in place, including renovation and ongoing maintenance. Add the cost of rising utility bills and taxes, and don’t forget transportation and food. Make a list and decide whether it’s cheaper to stay or move to a community designed for seniors.
4. Take a multi-phase approach. Christopher says his customers often take longer than a year to actually make the move. An SRES agent can connect the senior with professionals to help walk through the process.
5. Fully explore new housing options. Senior living offers a broader range of options than ever before. SRES agents have an understanding of the services each type of community can provide and can best match the client with the right place.
Christopher and other SRES professionals use SNAPforSeniors (www.snapforseniors.com), an online search tool that is akin to the Multiple Listing Service for senior housing. The SNAPforSeniors database includes more than 60,000 licensed senior housing facilities in the country and is available at no charge.
“It’s a great tool,” Christopher says. “Especially when adult children live out of state and are working with their parents on a move, I tell them about options I find on SNAPforSeniors. Typically seniors want to relocate close to their children, and the online search allows adult children and their parents to search research options and start the search together.”
