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  • Friday, June 27, 2008

    Never buy this stuff used

    10 Things You Should Never Buy Used

    1. Children’s Car Seats: Car seats have expiration dates, and if the vehicle has been in an accident (even a fender bender), the seat should be thrown out.
    2. Helmets: They can crack on impact.
    3. Electronics:
    4. Laptops: Because they’re mobile, they can be dropped, spilled on, or otherwise abused.
    5. Plasma Televisions:
    6. DVD Players: Lasers wear out
    7. Camcorders: Are often dropped, and have motors that wear out.
    8. Mattresses: As one expert said, “Think about what you do on yours, and then you’ll know why you won’t want to sleep on someone elses.”
    9: Vacuum Cleaners
    10: Shoes

    Have a garage sale

    There are secrets to having a successful yard or garage sale. The best yard sales require lots of work, but it's worth it when you count your profits at the end of the day. Follow these few steps to create a yard sale that attracts people and leaves you with some cash.

    Step 1 Decide if you have enough items to hold a yard sale (the more the better).

    Step 2 Choose a date.

    Step 3 Move all of your yard sale items into one place, such as the garage or a storage area.

    Step 4 Put a price tag on everything, no matter how small.

    Step 5 Decide how you will set the sale up. Be sure all items will be openly
    displayed so that people don't have to dig through boxes to find things.

    Step 6 Call your local newspaper about a week before the yard sale, and buy an ad that will appear the day before and the day of the sale. The ad should contain your address, the date and hours of your sale, and a summary list of what you have to offer.

    Step 7 Arrange all items on tables or whatever you are going to display them on the day before the sale. Keep the table in the garage or storage area overnight.

    Step 8 Go to the bank and get $50 in $1s, $5s, and change.

    Step 9 Put the money in a cash box.

    Step 10 Place signs around your neighborhood on the morning of the sale advertising the sale and giving the address.

    Step 11 Open the garage door at the specified hour and move the tables out.

    Gems at estate sales

    Baron Estate Sales has over 20 years of experience in the appraisal, sale, and marketing of secondhand items. The saying, "One man's junk is another man's treasure" never becomes more apparent than when evaluating items for sale. The old print that you thought was worthless may actually be a painting under glass by a listed artist. The flower pot on the back porch may actually be an artist signed vase by one of the famous pottery makers from the early 20th century.

    Find out more about Baron Estate Sales.

    Thursday, June 26, 2008

    Teen drinking

    Dangers of Teen Drinking
    Teens don't just drink. They drink to excess.
    More than 10 percent of eighth graders, 22 percent of sophomores, and 26 percent of seniors report recent binge drinking (5+ drinks on the same occasion).

    Statistics show that the majority of current teen drinkers got drunk in the previous month. That includes 54 percent of the high school sophomores who drink and 65 percent of the high school seniors who drink.


    Underage drinking is linked to injury and risky behavior.
    Reducing underage drinking can reduce drinking-related harm.

    Brain Development and Alcohol Abuse
    Research indicates that the human brain continues to develop into a person's early 20's, and that exposure of the developing brain to alcohol may have long-lasting effects on intellectual capabilities and may increase the likelihood of alcohol addiction.
    The age when drinking starts affects future drinking problems. For each year that the start of drinking is delayed, the risk of later alcohol dependence is reduced by 14 percent.
    Drinking and Driving
    Car crashes are the leading cause of death among people ages 15 to 20. About 1,900 people under 21 die every year from car crashes involving underage drinking.
    Young people are more susceptible to alcohol-induced impairment of their driving skills. Drinking drivers aged 16 to 20 are twice as likely to be involved in a fatal crash as drinking drivers who are 21 or older.
    Suicide
    Alcohol use interacts with conditions like depression and stress, and contributes to an estimated 300 teen suicides a year.
    High school students who drink are twice as likely to have seriously considered attempting suicide, as compared to nondrinkers. High school students who binge drink are four times as likely to have attempted suicide, as compared to nondrinkers.
    Sexual Behavior
    Current teen drinkers are more than twice as likely to have had sexual intercourse within the past three months than teens who don't drink.
    Higher drinking levels increase the likelihood of sexual activity.
    Adolescents who drink are more likely to engage in risky sexual activities, like having sex with someone they don't know or failing to use birth control.
    Other Risks
    Teens who drink alcohol are more likely than nondrinkers to smoke marijuana, use inhalants, or carry a weapon.
    Binge drinking substantially increases the likelihood of these activities.
    Academic Performance
    A government study published in 2007 shows a relationship between binge drinking and grades. Approximately two-thirds of students with “mostly A’s” are non-drinkers, while nearly half of the students with “mostly D’s and F’s” report binge drinking. It is not clear, however, whether academic failure leads to drinking, or vice versa.
    For further information on the risks of adolescent alcohol use, visit the National Institute on Alcohol Abuse and Alcoholism.

    Don't serve alcohol to teens.

    It's unsafe. It's illegal. It's irresponsible.

    Stay out of the water

    (Miami Herald)

    No-swim warning at 12 Dade beaches


    BY JENNIFER LEBOVICH AND MALKA ABRAMOFF
    Swimmers were advised to stay out of the ocean from Golden Beach to Matheson Hammock on Wednesday after health officials discovered bacteria levels exceeding state standards at 12 Miami-Dade beaches.
    The no-swim advisory came after more beaches failed the bacteria indicator test than at any time since the county joined the state's beach monitoring program in 2002.

    Swimming in the water can increase risk of gastrointestinal illness, including vomiting or intestinal pain, and ear and eye infections, said Samir Elmir, environmental administrator for the Miami-Dade County Health Department.

    ''It's the biggest advisory I can remember,'' Elmir said. ``In general our beaches are clean.''

    Additional water tests were performed on Wednesday, and the county will review the results Thursday to decide whether to keep the advisories.

    No warnings were issued in Broward County.

    Tests performed Monday measured two bacteria indicators -- fecal coliform and enterococci -- both found in human and animal waste. Fecal coliform levels were elevated and were retested on Tuesday. Enterococci levels were not elevated.

    There's no reason to believe the higher levels are from a sewage leak, Elmir said.

    Instead, the recent heavy rains and winds are the likely culprit.

    ''We think that the severe weather conditions . . . and storm water runoff may be the contributing factor for this condition,'' Elmir said. ``We don't have a report to indicate beach pollution at those sites in terms of sewage spills or overflows.''

    At 21st Street in Miami Beach, where levels were up, lifeguards warned people to stay out of the water. But a wind-whipped afternoon prompted surfers and kiteboarders to ignore the advisory and hit the waves anyway.

    Yoaritt Sienfuegos, who came from Tampa to windsurf, said he'd try to avoid falling in or getting any water in his mouth.

    ''I'm just going to go in,'' said Sienfuegos, 20. ``It doesn't matter if I get sick. I came here to surf.''

    Others, like bather Jenara Nerenberg, didn't know about the advisory. Toweling off on the beach, she was unhappy to hear the news.

    ''I feel gross swallowing the water,'' she said. ``It makes me a little concerned.''

    Sewage contains hundreds of potential pathogens in the forms of bacteria, cysts and spores. Water quality tests measure fecal coliform and enterococci, which scientists consider classic ''indicators'' of human waste.

    The organisms, which normally inhabit the intestine, aren't harmful themselves, but elevated levels could signal the presence of more dangerous bugs.

    The water is tested weekly at 19 Miami-Dade beach sites from Golden Beach to Florida City, Elmir said.

    A no-swim advisory was issued at Golden Beach, Sunny Isles Beach Pier Park, Oleta Park-Swimming Area, Haulover Beach Park, 93rd Street in Surfside, 74th Street Beach, 53rd Street Beach, 21st Street Beach, South Pointe Park (First Street Beach), Hobie/Dog Beach, Crandon Park Beach and Matheson Hammock.

    Key Biscayne Beach and Cape Florida Park avoided the warning.

    A dozen sites failed at least one test Monday and Tuesday.

    ''To be getting positive readings to that extent running that stretch of the beach, that's a new one,'' said T.J. Marshall, coordinator for the Florida Coastal and Ocean Coalition, a group of nonprofits working on coastal and marine issues. ``It is something people should take seriously.''

    Miami Herald staff writer Curtis Morgan contributed to this report.

    Wednesday, June 25, 2008

    Get a pet for your health

    Having a pet can, at times, test your patience, particularly when Fido has chewed up your expensive new boots, or Snowball decides to meow up a storm at 4 a.m. Still, most pet owners will agree wholeheartedly that pets give back much more than they receive in the form of companionship and love.
    Indeed, the United States is a pet-loving nation, having more dogs and cats than any other country, according to the American Veterinary Medical Association. Most pet owners treat their pet like any other member of the family, perhaps even giving them special birthday and holiday presents and foods.

    But here is another reason to spoil your pet (as though you needed one): Owning a pet can actually improve the health of its owner.

    According to the Centers for Disease Control and Prevention (CDC), having a pet can decrease your:

    Blood pressure

    Cholesterol levels

    Triglyceride levels

    Feelings of loneliness

    But that's not all. K.C. Cole, RN, MN, director of UCLA's People-Animal Connection (PAC), says she believes the human-animal bond offers many social, psychological and physiological benefits. PAC volunteers bring dogs to visit about 400 hospital patients each month.

    "Among other things, animals contribute to raising self-esteem, significantly lowering anxiety levels, improving attitude toward others and opening lines of communication," Cole said. "With geriatric patients we see a bridge of communication develop with staff and family when a dog visits."

    Pets and Your Heart

    Perhaps the most notable benefit has to do with heart health. Several studies have found that people who have had a heart attack survive longer with a pet than without.

    Another study, by Karen Allen, PhD, a medical researcher at the University of Buffalo, involved 48 stockbrokers with high blood pressure. Those who owned a cat or dog had lower blood pressure readings in stressful situations than those without.

    "When we told the group that didn't have pets about the findings, many went out and got them," Allen said.

    Recovery After Illness

    Other studies have found that people with pets tend to have a speedier, easier recovery after illness or surgery. One UK study of 50-60-year-old women recovering from breast cancer, for instance, found:

    87 percent reported that their pets filled "at least one important role in their social support."

    43 percent reported that their pets fulfilled more than 10 important support functions, such as being cared for, tactile comfort, and still feeling included socially, when they took their dog for a walk.

    Kids and Pets

    Many of us have fond memories of our first childhood pet, and as it turns out, pets are just as good for kids as they are for the elderly and adults. One five-year study of 600 children aged 3-18 found that children with pets who are slow learners, or whose parents had divorced, had higher levels of self-esteem and better emotional functioning than those with no pet.

    Children with autism and other learning and behavioral disabilities also often show immediate improvement when pets are brought into the classroom for animal-assisted therapy.

    Further, kids who have a cat or dog in the home during their first years of life are less likely to develop hay fever, asthma and animal-related allergies than those who don't.

    Better Overall Health

    Research presented at the 10th International Conference on Human Animal Interaction in October 2004 found that pet owners simply experience better health than non pet-owners. The survey of more than 11,000 Australians, Chinese and Germans found that over a five-year period:

    Pet owners made 15-20 percent fewer annual visits to the doctor than non pet-owners.

    Those who went to the doctor the least were those who continuously owned a pet.

    The next healthiest group was people who got a pet during the study.

    If you're still not convinced of the benefits of pet ownership, other studies have found these additional health improvements to pet owners:

    Reduced depression

    Less stress

    Improved exercise habits

    Better quality of life for those with Alzheimer's or orthopedic disorders

    A Dog, Cat, Bird ... or Dolphin?

    So which types of pets provide the most health benefits? Most commonly, dogs and cats are mentioned in the studies. However, any animal has the potential to brighten your life.

    Case in point, a study in a November 2005 British Medical Journal found that people with depression who swam with dolphins for an hour a day for two weeks reported feeling less depressed than those who simply frolicked in the water.

    But if you're looking for the most benefit, a pet of your own (after careful consideration) may be the best route to take. Said Mara Baun, D.N.Sc., professor at The University of Texas School of Nursing at Houston, "People derive the greatest health benefits from their own pet, or one to whom they feel some personal attachment.

    Tuesday, June 24, 2008

    Bank of dad, co-worker, friend

    Borrowing Money From Family Members – Is this A Wise Way to Pay off Debt?

    (moms-living-debt-free.com)

    Borrowing money from family members or relatives may seem like an easy way to pay off credit card debt or student loans. Why? You may feel like families ought to look out for each other, and be attracted to the idea of a lower payment or interest rate. Should you borrow money from family to pay off debt?

    In my opinion, the clear answer is no, unless it is your only option. Exhaust all other options first, and make borrowing money from family a last resort.

    First, remember that family members may have unwritten “strings” attached to their lending you money. Mom and Dad may be happy to help you pay off your debt, but be prepared for guilt trips later on. Example: “How could you not come over on Saturday? Didn’t we just lend you $10,000 to pay off your student loans?” Why make family relationships tense over money if you do not have to?

    Secondly, something may happen that prevents you from paying the money back on time. Imagine your relative’s reaction if they are unable to receive their payment when it is due. And the last thing anyone feels like doing is groveling to a friend or family member. What if you have a job loss? Do you really want to have to let your family know right away about your lay-off or a possible move/career change? These are all things you need to consider before borrowing the money.

    If you do decide to borrow money from a relative, have a written legal agreement, signed by both parties. Make it as formal as possible, including payments, interest rates, and terms of the loan. Have it composed by a lawyer, and make sure the agreement states that there are no “unwritten” strings attached to the loan. Then, treat the loan with the same seriousness as you would a bank loan.

    Finally, think about whether or not your relationship with your family is worth the risk of borrowing money. I have heard many horror stories over the years about family loans gone bad, and relatives no longer speaking to each other.

    I would highly recommend that rather than borrowing money from family members, you seek out another loan source.

    Monday, June 23, 2008

    Casino games for dummies

    Bet wisely, beat the house, and bring home the bucks!

    Crazy about casinos, but worried about losing your shirt? Relax! This hands-on guide is filled with insider secrets and tips for maximizing winnings and minimizing losses in the most popular casino games --blackjack, poker, craps, roulette, slots, and more. You get the scoop on everything from game rules and jargon to making the best bets (and knowing when to quit).

    Discover how to
    * Understand the odds
    * Develop winning strategies
    * Avoid gimmicks and bad bets
    * Manage your money effectively
    * Gamble on the Internet
    * Deal with the IRS