On World Food Day, thank a farmer

(ARA) – Fewer than 3 percent of Americans work in farming. Yet, this sector of our workforce not only feeds our country, it also provides a wealth of grain and food exports that feed millions of people around the world. In fact, America’s agriculture sector is so productive that Americans spend less for food, as a percentage of their total income, than do most other people around the world.

October 16 is World Food Day, a day set aside to call global attention to the need to alleviate hunger around the world. Here in America, it is a day to recognize the achievement of our agricultural productivity.

Thanks to our farmers and food makers, Americans can count on a consistent, affordable and safe food supply. But our farmers are so productive, in part, because they have access to scientific advances in agricultural biotechnology – seed varieties that have improved the productivity of our most important staple crops, such as corn and soybeans. For example, the average yields of biotech corn varieties in 2010 were 30 percent higher than average corn yields prior to 1996 – the year biotech varieties were first planted.

Beyond America, a different picture emerges. An estimated 3 billion people in Asia, Latin America and Africa are today moving up the food chain into grain-intensive livestock and protein-based diets. This presents new strains on the world’s available farm lands and ocean resources. Urbanization is also contributing to food supply and demand pressures. Today, for the first time in history, more than half of the world’s population lives in cities.

As a result, farmers are having difficulty keeping pace with the rising population. World population is projected to increase from nearly 7 billion today to 9 billion by 2050, according to the United Nations. To feed this growing population, farmers will need to grow even more crops on about the same amount of land, and with the same soil and water inputs that are available today.

Global farm production must also increase during a time of uncertain climate change. Changes in global and regional temperature, humidity and rainfall patterns will impact soil quality, water availability, pests and other factors that determine farm productivity – making it even more difficult for farmers to keep up with rising demand.

These are the fundamental challenges of sustainable agriculture. How will farmers grow the crops and commodities needed to feed an increasing world population? One answer will come through even more breakthrough agricultural biotechnology solutions – such as the introduction of drought-tolerant and flood-tolerant seeds. Another solution is to ensure that farmers around the world have the same access to these important scientific tools and resources as do American growers. And finally, agriculture biotechnology will also need to discover new seed varieties to help farmers adapt to the world’s changing climate.

Another challenge is rising food prices. Global supply and demand pressures have sharply increased prices for wheat, corn, sugar, soybeans and other crops. This means more people are at risk of falling into poverty. In a report released this month, the UN Food and Agriculture Organization (FAO), International Fund for Agricultural Development (IFAD) and World Food Programme (WFP) warned that today’s high and volatile food prices are likely to continue and possibly even increase. All three organizations called on the international community to address this situation by working to improve farm productivity through better seeds.

Almost 1 billion people around the world go to bed hungry each night. To help alleviate world hunger, it is critical we provide farmers around the world with the same scientific tools and knowledge available to American farmers. On World Food Day, remember to thank your local farmer, legislator, or neighbor for doing their part to ensure a plentiful food supply here at home. But remember, also, that farmers everywhere need access to the same biotechnology solutions that benefit America’s economy and contribute to our growing, sustainable food supply. For more information on the benefits of agricultural biotechnology, visit www.whybiotech.com.

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Slowing the gas price roller coaster

(ARA) – Gas prices are on a roller coaster ride again. A bargain these days is anything under $4 a gallon, which is especially difficult since it’s summer and everyone’s hitting the road for vacations. Inching closer is fall’s “back-to-school” drive cycle. In short, there is a lot of driving ahead and higher gas prices are now the norm, so it’s time to look at ways to alleviate the pain at the pumps.

A good place to start is eye-level with your feet – your car’s tires. You may look at tires as black, round utilitarian objects, but truth be told, these technical wonders – when properly maintained – are gas saviors that can slice hundreds of dollars off your annual gasoline bill, according to Dan King, Yokohama Tire Corporation’s senior vice president of sales and marketing.

“The first thing is to always make sure your tires are properly inflated,” says King. “Tires that are underinflated by eight pounds per square inch (psi), for example, can reduce vehicle fuel economy by as much as 2 percent and tire tread life can also be reduced by as much as 25 percent.”

King says for the best driving savings and safety results, make checking the tire pressure a monthly routine. “It only takes five minutes,” he says. “If you’re not doing it once a month, chances are you’re driving on under-inflated tires.”

Use the tire inflation numbers usually labeled inside the driver’s door, fuel door, glove box or in the owner’s manual. (The number on the tire’s sidewall is the maximum inflation pressure.) Over-inflation reduces the tire’s contact patch with the road, while under-inflation puts extra weight on its sidewalls and causes an unsafe increase in tire temperature.

Certain types of tires – ones with low rolling resistance (LRR) – can help save fuel, too. “LRR tires are designed to minimize the energy wasted as heat while the tire rolls down the road,” King says. “That results in improved fuel efficiency. Studies show driving on LRR tires alone can save about $100 annually.”

Yokohama’s AVID ENVigor tire is a good example of the expanding LRR tire technology. “It’s an excellent low rolling resistant tire that saves fuel and combines performance, comfort and long treadlife,” King says.

King also offers other fuel-saving tips:

* Keep your tires properly inflated. Once a month, when the tires are cold (at least three to four hours after the vehicle has been driven), check tire pressure with a reliable tire gauge. Be sure that the valve stems have a plastic or metal cap to keep dirt out and seal against leakage.

* Replace your air filter. A clogged air filter blocks the air needed to burn fuel efficiently and wastes gas.

* Keep your car tuned-up according to the manufacturer’s recommended schedule to keep all systems in good working order, which can optimize your mileage.

* To prevent skidding and hydroplaning, tires must be replaced when the tread is worn down to 1/16 of an inch. An easy test: place a penny into a tread groove. If part of Lincoln’s head is covered by the tread, you’re driving with the proper amount of tread. If you can see all of his head, you should buy a new tire.

* Built-in treadwear indicators, or “wear bars,” which look like narrow strips of smooth rubber across the tread will appear on the tire when the tread is worn down to 1/16 of an inch. When you see these wear bars, the tire is worn out and should be replaced.

* Visually check your tires for signs of uneven wear. You may have irregular tread wear if there are high and low areas or unusually smooth areas. Consult your tire dealer as soon as possible.

* Tires should be rotated at least every 6,000 to 8,000 miles and the alignment should be checked once a year. Misaligned tires can cause the car to scrub, which lowers mileage and causes unnecessary tire wear.

* Slow down. For every five mph you go above 60 mph, you’re using more gas, and, ultimately, paying even more for each gallon of gas.

For additional tire care and safety tips, visit www.yokohamatire.com or www.rma.org.

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Renovating your home? Renovate your insurance

(ARA) – Whether you are upgrading a kitchen, adding on a master suite, or gutting a newly purchased structure, you need to reassess your insurance needs both before and after your renovation.

It’s common to plan every major step of the renovation. But one thing that’s tough to plan for is the unexpected. What if an oily rag left unattended starts a fire and your home goes up in smoke? The remodeling work done to date may have an impact on your homeowners insurance – unless you let your insurance agent in on the plans ahead of time.

For example, Fireman’s Fund Insurance Company policyholders are required to let their agent know about any renovation projected to increase the replacement cost of your home by more than $25,000 in order for the crucial full-cost replacement coverage to remain in force.

“Your insurance company and your agent can help you find gaps in your coverage related to remodeling and establish appropriate replacement costs,” says Don Soss, vice president of personal insurance at Fireman’s Fund. “We can also make sure your contractor and subs have adequate liability insurance in case of damage to your property from poor workmanship or carelessness.”

In addition, risk managers at the insurance company can provide advice to minimize the possibility of fires, theft, and mishaps. Good risk management practices also minimize potential project delays. This may be a good time to add security and safety features such as water flow monitoring devices or upgraded burglary and fire alarm systems.

One of the most common issues is maintaining a secure environment during the work phase. For example, contractors often disable a home’s existing fire alarm system because dust and particulates generated by construction tend to trigger false alarms. It is important for temporary measures such as fencing and alternate alarms to be in place to keep the property secure.

Demolition debris should also be secured so it can’t become airborne in high winds. Toxic or explosive materials need to be stored and handled appropriately, and rebars should be capped to prevent injury to workmen and residents.  

Often, the family moves to temporary housing during a remodel. It may be a good idea to put art collections and other valuables that could be damaged in an offsite secure storage facility for optimal protection.

Even before your work is complete, your agent can go over your current homeowners insurance and make sure you have the replacement value of your home updated. This will reflect increases in construction materials and labor, changes in building codes, installation of new safety devices, changes in square footage, and custom features and appliances.

Top tips for homeowners considering a renovation:

1. Contact your agent before construction starts for coverage of your remodeling work and the value of your completed home.

2. Make sure your contractor and subcontractors have adequate liability insurance. Many contractors carry the generally recommended limits of at least twice the replacement value of the home.

3. Ask the contractor to maintain adequate safety and security devices such as fire and burglar alarms.

4. Save all records related to your project (receipts and appraisals). Store copies of these records in a secure off-site location. Videotaping your house and possessions is also recommended.

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The national lighting design competition, Lighting for Tomorrow, hosted by the Consortium for Energy Efficiency and the American Lighting Association will feature guest judge, Chad Ray, owner of Zebulon based multitude of sustainable companies, Shields of Green (

http://www.shieldsofgreen.com).

Chad Ray is co-owner of the Shields of Green companies (
http://www.shieldsofgreen.com), a multigenerational and family owned multitude of companies all focused on sustainability, energy conservation, and stewardship. The Shields of Green companies include Ray Family Farms, a Bunn, NC based organic farm, Olde Heritage Builders, a Zebulon based Green home building company, Build Trust Contractors, a group of sustainable construction experts, Energy Savers of NC, a residential energy auditing company, and many more. In addition, Chad Ray, known as “the green building guy”, is a Green consultant with years of experience as a speaker and advisor on sustainability efforts throughout the building process.

Ray has been invited to judge this year’s national lighting design competition, Lighting for Tomorrow. The efforts of the Lighting for Tomorrow Competition are to advance the energy –efficient lighting industry and encourage innovation in the new use of light sources. This competition is backed by about two dozen energy efficiency organizations from the US and Canada who have pledged over $150,000 to help fund this national competition.

This year, Lighting for Tomorrow is designated into two specific categories, lighting control devices and solid state lighting fixtures and replacement lamps. The lighting control category will be judging the products based on functionality, ease of use and installation, innovation and ability to work with other systems and existing lights. These specific lighting control devices must be compatible with both LED and florescent technologies.

The solid state lighting competition division is in its fifth year, and will feature designs judged on the basis of performance, style and energy efficiency of the lights. This competition is open to a very broad range of residential lighting applications and fixture types as well as replacement lamps.

The Lighting for Tomorrow winners will be announced at the American Lighting Association Conference in Palm Beach, Florida from September 11th-13th. Winners will be promoted by energy efficiency programs across the US and Canada.

For more information about Lighting for Tomorrow, visit
http://www.lightingfortomorrow.com. For more information about Shields of Green, visit
http://www.shieldsofgreen.com
SOURCE:WidePR.com

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Collaboration with professor to help increase stormwater control area success.
The North Carolina Department of Transportation and N.C. State are combining forces to improve stormwater control in an area affecting N.C. State, Meredith College and the N.C. Museum of Art.

“By combining our resources with the renowned research capabilities of N.C. State University, we are developing innovative solutions for improving water quality – and in turn, helping to protect one of our state’s most valuable resources,” said Matt Lauffer, program manager for NCDOT’s Highway Stormwater Program, in a press release.

The project aims to benefit the House Creek watershed, an area that collects pollutants from cars and other ground sources when it rains. House Creek is one of several stormwater control projects NCDOT monitors annually. The construction is taking place near the intersection of Wade Ave. and Interstate 440.

Dr. Bill Hunt, assistant professor and extension specialist with the Department of Biological and Agricultural Engineering, will be working with NCDOT to develop methods to reduce the amount of pollutants.

Dr. Hunt has assisted since 2000 with the design, installation, and monitoring of over 90 stormwater best management practices (BMPs), including bioretention, stormwater wetlands, innovative wet ponds, green roofs and permeable pavement.

Julia Merchant, NCDOT communications officer, said this is not the first time NCDOT has partnered with N.C. State. Past collaborations involved, among others, breakthroughs with biodiesel research conducted by the University.

According to NCDOT, for the $300,000 House Creek project, funded through the Highway Stormwater Program, engineers will use stormwater filtration methods such as a bioretention basin, which will use sand to filter out pollutants in the water.

After installation of the stormwater control measures is completed, which will take approximately three weeks according to NCDOT, N.C. State researchers will continuously monitor the system’s effectiveness at improving the House Creek water quality.

SOURCE:Technicianonline.com

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Make a splash – how you can attract new birds to your yard this summer


(ARA) – When summer really heats up, there is nothing more refreshing than drinking a tall glass of ice water, taking a quick dip in the pool, or running through the backyard sprinkler with the kids. But what many people do not realize is clean, fresh water is as important to birds and other wildlife as it is for humans. Not only that, but birds actually enjoy splashing around and frolicking in the water just like we do.

With this in mind, create an inviting habitat for feathered friends right in your backyard or on your patio or balcony. It is easier than it seems, and there is no need for a big backyard to do it. Just providing the basic elements birds enjoy will establish your setting as a wildlife habitat. Water is one of the important resources birds need, along with food, shelter and a place to nest or raise young. For a quick and easy bird-friendly habitat, simply put out a bird feeder, hang a bird house, provide some nesting materials, and set up a watering place to drink and splash.

“Water is one of the most frequently overlooked resources we can add to our backyard to attract more birds and other wildlife,” says John Robinson, chief ornithologist at Scotts. “Every year, I am astonished by the new species that appear in backyards when owners are willing to share this simple yet critical resource with their feathered friends.”

Providing a source of water need not be a big endeavor. Water can be provided using a mister, slow drip, saucer, bird bath or pond. Below are some simple ways to incorporate water into your backyard.

Bird baths and saucers:
Water in a saucer or bird bath will quickly and easily give area birds the water they need, even when placed on a balcony or patio. Stones with depressions that collect water will also help attract small birds and butterflies. Keep in mind you may need to change the water and clean the bird bath every few days to keep it fresh. In hot weather, it may even be necessary to refill the container every day.

Drippers:
A great way to attract birds and other creatures to the backyard is to add a water drip feature to the bird bath. Because of birds’ heightened senses of hearing and sight, drippers are inviting. Create a drip feature by hanging a bucket or plastic milk jug with a tiny hole over the bird bath so water drips down into the bath slowly throughout the day. Or, hook up a garden hose to a specially designed drip tube you can purchase at local hardware stores or garden centers.

Misters:
Another water feature gardeners often employ is a mister. A mister hooks to a garden hose and sprays a gentle mist over a garden or bird bath. Humans enjoy being cooled off by misters at amusement parks, and plants enjoy the refreshing spray of moisture, too. Birds enjoy frequenting misters to cool down and pollinators, like butterflies and bees, enjoy areas being misted because of the tiny water droplets the mist leaves on flowers. Misters can generally be found at local hardware store and garden centers.

Ponds:
Whether large and elaborate or small and quaint, a backyard pond is guaranteed to attract birds and other wildlife. Most ponds found in urban or rural backyards are on the small side, most no larger than 3 to 4 feet in diameter. Ponds with a fountain are best because the sight and sound of splashing water will attract visitors, and moving water is less likely to become a breeding ground for mosquitoes or other insects. The addition of logs, rocks and other in-water structures provide a drinking and basking habitat for songbirds, as well as other wildlife such as turtles and butterflies. Aquatic snails or tadpoles are fun and natural ways to limit the growth of algae in the pond, and add an interesting element for kids to watch and enjoy.

This summer, when planning the water fun for the kids, don’t forget the birds. Water is very effective in drawing birds and wildlife to your backyard and is also a relaxing, scenic addition that can provide interest and enjoyment for the whole family. With the addition of a simple water source, you never know who may stop by your backyard habitat for a quick swim or a refreshing drink.

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Tips for making your home office comfortable and functional

(ARA) – When you start a home business, you will probably set aside one room or area of your house to be your office. This is the place where you’ll handle general business, customer relations, shipping and delivery of products and services, payroll and many other details that pertain to your company.

Of course, this room is also in your house, so you want to make sure it looks good in case you have customers stop by, or if friends or relatives stay over.

Setting up your office so that it is functional and looks nice is important, but because you’ll be spending a lot of time in there, you should make it comfortable as well. Here are some tips on how to make your home office functional, yet fun and stylish.

* If you have young children at home, designating your office separate from the rest of your house with a closed door, or a standing partition, can help your children learn that you are “at work” and not to be disturbed unless they have an emergency. If you plan to use your office space for family business as well after work hours are over, consider making a sign indicating you are busy working to hang on the door or partition.

* Your desk probably will be where you spend the majority of time in your home office, which means you need it to match your style perfectly. Your office chair needs to be comfortable, but you also want it to match the decor as well. You can choose a HON Volt or HON Ignition chair, picking from over 30 different fabrics and colors, allowing you to match your decorating scheme and comfort levels. Visit www.officedepot.com/customdesign to see how a HON chair can enhance your home office space.

* Decorate your office in colors and materials that will help keep you operating efficiently, but also allow you to enjoy the time you spend working. For example, yellow is considered to be a stimulating color, orange encourages creativity and green provides a calming influence. Depending on the energy level you would like to have in your office, consider using file folders, binders, pictures and wall paint to bring colors into your office that would enhance your professional emotions and behaviors.

* Keeping your home office picked up is key, especially if you pace while talking on the phone or while brainstorming a business idea. Make sure all your electronic cords are bundled and tucked away under your desk so you aren’t tripping over them while chatting with a client on the phone.

* Get organized with a cubby hole or filing drawer system, which will help keep the paperwork off your home office desk area and also help you find filed information quickly and easily if you were to have a customer catch you by surprise on the phone. These items are available at office supplies store such as Office Depot.

As you get your company up and running in your home office, don’t forget to add little personal touches to make it feel even more comfortable. After all, you might be spending a lot of time in your office, so there’s nothing wrong with having inspirational photos or a desk plant or two to provide you with the pleasant atmosphere you need to get your work done.

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Charities tapping into social networks for support


(ARA) – The way we talk with our friends, the way we date, eat, watch TV, even the way we vote has been transformed by the sudden and overwhelming popularity of social media technology. Our activities in the actual world are becoming ever more deeply intertwined with our activities in the virtual world.

In their ongoing efforts to find new supporters and strengthen bonds with the ones they already have, charities, too, are flocking to social media. Unlike letters in your mailbox or TV commercials, digital platforms like Facebook and Twitter give charities a chance to engage supporters in emotionally powerful ways – ways that not only encourage monetary giving, but turn supporters into full-blown advocates.  

Take the example of the humanitarian organization CARE. In 1946, CARE began sending boxes of food and essential supplies to a Europe reeling from Second World War. The program resonated with so many senders and receivers that the phrase “care package” became a common synonym for any gift parcels sent to far-away friends and relatives. Today the organization is trying to tap into fond memories of this legacy through social media. At www.CAREpackage.org, CARE invites donors to fill a digital CARE Package with money supporting CARE’s long-term poverty fighting programs focusing on girls’ education, maternal health, and economic empowerment for women through microfinance and small business training. Where it differs most from traditional online giving is through functions allowing social network friends to build packages together – all connected through Facebook, Twitter and e-mail. CARE Package “senders” are also invited to educate themselves and their friends on key issues, and as well offer tools to reach out to elected representatives.

CARE is not alone in using social networking to generate support. Applications like TwitChange generate interest and big money for charitable causes by auctioning the opportunity to be followed, mentioned or retweeted by their favorite celebrities on Twitter.

Even large corporate givers with a big presence in traditional marketing venues are moving into the social media space. General Mills and Merck have teamed up for an online charitable giving project called Join My Village. Simply by clicking on hyperlinks to videos, visitors to www.JoinMyVillage.com can steer donations from the two corporations to a microsavings program helping rural girls and women in Malawi. Because the site interfaces with Facebook and Twitter, it’s easy for users to invite their social networks to participate, increasing total donations, but also awareness of poverty issues around the globe.

How charitable giving through social networking will evolve during the next years, or even the next 10 months, is anyone’s guess. A decade ago, few people (if anyone) predicted the social network-based advocacy and giving that’s exploding in popularity today. What is certain is that changes in technology inevitably create new ways for charities and supporters to connect.

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Steps for catching up with old 401(k)s

(ARA) – The average American will hold 11 jobs between the ages of 18 and 42, according to the Bureau of Labor Statistics (2010). When you start a new job, you probably remember to pack your personal items and update your contact information, but did you consider what to do with your 401(k) held at your previous employer? It’s easy to leave behind.

A recent Merrill Edge survey found that nearly half (46 percent) of mass affluent Americans plan to rely solely or heavily on retirement plans offered by their employer for their retirement savings, such as a 401(k) or 403(b). This makes it more important than ever to keep track of your retirement savings.

Having accounts in more than one place can make keeping tabs more difficult. Rolling over your balances into one account helps to ensure you can properly track and manage your savings to help you pursue your retirement goals. When it’s simpler to monitor your investments, you can make changes as needed.

“One of the biggest challenges facing Americans today is planning for their retirement,” says Dean Athanasia, mass affluent and small business executive at Bank of America. “Many people expect to retire later than they had planned a year ago. Rolling over old 401(k)s is one small step consumers can take to help make managing their retirement savings easier and their retirement goals more attainable.”

Rolling over your old 401(k)s isn’t as complicated as you might think. Merrill Edge, offering a wide array of investment solutions from Merrill Lynch and access to the banking services of Bank of America all in one place, has a three step process to help you keep things simple:

1. Locate your accounts: Collect statements and account numbers for all your 401(k)s. If you’re missing any account information, call your former employers or benefits providers for the information you need.

2. Consider your options: Review all of the rollover options available to you. There may be many options for retirement investing and saving, so consider the length of time you plan to invest and the level of risk that’s comfortable for you. You can use a retirement calculator, like the Retirement Evaluator available on merrilledge.com, to help you see where you stand today and help you determine whether you’re on track to meet your retirement goals.

3. Choose your investments: Finally, decide how you’d like to invest. IRAs typically offer more investing options than 401(k)s to help you reach your retirement goals. Many online tools, such as the Asset Allocator available on merrilledge.com, can help you make investment decisions. Or, consult your financial services provider to help you make investment choices for your unique situation.

Consolidating 401(k)s into a single IRA account can make it easier for you to track and manage your retirement assets now, as well as when you start to withdraw funds in retirement. The process doesn’t have to be overwhelming if you remember a few simple steps – collect your account information, evaluate the choices available to you, and select a roll over solution that is appropriate for you.

For more information on rolling over 401(k)s and retirement strategies visit merrilledge.com or speak with a Financial Solutions Advisor at the Merrill Edge Advisory center at (888) MER-EDGE (888-637-3343).

Investing in securities involves risks. Neither Merrill Edge nor its associates provide tax, accounting or legal advice. You should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with your personal professional advisers. Withdrawals are subject to ordinary income tax. In addition, a 10 percent additional federal tax may apply to withdrawals taken prior to age 59 1/2.

Investment products:
* Are not FDIC insured
* Are not bank guaranteed
* May lose value

Merrill Edge is the marketing name for two businesses: Merrill Edge Advisory Center, which offers team-based advice and guidance brokerage services; and a self-directed online investing platform. Both are made available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S).

MLPF&S is a registered broker-dealer, member SIPC and a wholly owned subsidiary of Bank of America Corporation.

Banking products are provided by Bank of America, N. A. and affiliated banks, members FDIC and wholly owned subsidiaries of Bank of America Corporation.

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ARA) – If you’re a recent college graduate or a professional looking for work, you already know you need every advantage to compete for work in a marketplace where there are more applicants than opportunities. It pays to be in control of every variable you can, from picking the right suit and honing your interview skills to making sure you know what’s on your credit report before a potential employer looks at it.

If you’re applying for a job, it’s very likely that your potential employer will want to check your credit. More employers than ever are checking job applicants’ credit history. Sixty percent of employers now check applicants’ credit reports, according to a report in the Washington Times. That percentage has climbed nearly 20 percent in the past five years, according to the report.

Employer credit checks can be problematic for many people in this economy. If you’ve been out of work for a while, you may have fallen behind on your bills. And if you’re a recent college graduate, you probably have little credit history – perhaps a few credit cards with a running balance, but probably not a car or home loan that can help add depth to a credit history.

Reviewing your credit report for inaccuracies before an employer sees it is an important step for job seekers, experts agree. It will also help prepare you to address any credit-related concerns a potential employer might have.

As you’re reading want ads and scouring job websites, keep this information in mind:

* Obtaining a report and score, such as the PLUS score offered by CreditReport.com, can help you understand your credit status before a potential employer asks to check your credit. While such a score and report are not necessarily the ones a potential employer will obtain, they can give you a snapshot of your credit status.

* The basics of credit management remain the same, no matter what your situation: pay bills on time, maintain a good ratio of credit used to available credit, show a long history of timely payment, and be smart about the types of credit you use (loans, credit cards, etc.).

* Employers will not be able to check your credit until you give your consent, in writing, for them to do so. While you may expect that an employer would check your credit if you’re applying for a job in the financial services industry or another industry in which you’ll be directly working with money, be aware that a broad spectrum of employers are now checking credit for applicants at all job levels – even some you may not expect.

* If your credit history has some blemishes, you may want to consider adding a personal statement of explanation to your credit report – the major credit bureaus all allow you to do this. While credit experts agree that such statements usually have little impact on potential lenders, an employer may view your explanation differently.

Finally, hold your head high regardless of what’s on your credit report. In this economy, many people are facing financial hardship through no fault of their own. If you’re one of them, be honest and open with a potential employer, explaining your challenges and what you are doing to ensure you’ll be able to meet your financial responsibilities. If your credit history is good, consider it one more tool to demonstrate to potential employers that you are organized, responsible and a desirable worker

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