Plug Your Spending Leaks

first_imgContact Jennifer at [email protected] By Jennifer Hunter, Ph.D., University of Kentucky Cooperative Extension ServiceYou may have noticed that your family may have developed poor spending habits. Your shopping habits are learned behaviors, just like any other good or bad habit. A bad habit can be broken by becoming aware of the choices that have most likely become part of your spending routine. Are you tempted to spend when you have a few extra dollars in your pocket? It is important to realize that stores arrange goods and merchandise to tempt you into making a purchase; stores use sales signs, displays, and salespeople to attract your attention to specific items. The next time you are at the store, try to identify the stimulus that attracts your attention and encourages you to buy, then try to avoid these areas in the future.Other tips for breaking bad spending habits include: limiting the number of trips you make to the store (the less often you shop the less likely you will be tempted to make unnecessary purchases); make certain you have a plan prior to entering the store, know what you want and stick to your shopping list; if you see an item that you would really like to purchase, identify any less expensive alternatives first.Join us in saving this month by making small daily deposits July 1-30 to save $100 in 30 days.To gain spending self-control, identify your spending leaks. Spending leaks are those purchases that provide some type of immediate gratification but do not help you reach your financial goals. Identifying short and long-term financial goals can help you plug your spending leaks. Before making your next purchase, take a minute to ask yourself three simple questions:Is this the best use of my money?Am I buying this to satisfy an immediate need?Will buying this keep me from reaching my financial goals?Sometimes you may recognize the purchase is important; however, you may also realize that you are just being tempted by a sale or the latest gadget, and decide to pass on the purchase.Are you an impulse shopper? Try to never purchase expensive items on impulse. Instead, consider each expensive purchase for at least 24 hours. Acting on this principle will help you have far fewer regrets about impulse purchases, which can put a dent in your finances. One way to establish a savings discipline is save a matching amount in a cookie jar each time you splurge on an item, such as designer coffee. If you can’t afford to save the matching amount, you can’t afford the $4 mocha low-fat latte.If you are often tempted at the store, make a list before you begin shopping. Typically, people who shop with a list, and stick to it, spend much less money than those who decide what to buy once they get to the store. Pre-planning can save hundreds of dollars per year.last_img read more

"Plug Your Spending Leaks"

Holding a Food Safe Picnic 101

first_imgReferencesBurden of Foodborne Illness: Findings | Estimates of Foodborne Illness | CDC. Cdc.gov. https://www.cdc.gov/foodborneburden/2011-foodborne-estimates.html. Published 2019. Accessed June 30, 2019.Perfect Food Safe Picnics! | FoodSafety.gov. Foodsafety.gov. https://www.foodsafety.gov/blog/perfectfood.html. Published 2019. Accessed June 30, 2019.Handling Food Safely While Eating Outdoors. U.S. Food and Drug Administration. https://www.fda.gov/food/buy-store-serve-safe-food/handling-food-safely-while-eating-outdoors. Published 2019. Accessed June 30, 2019.Complete List of Cooking Temperatures. Eatright.org. https://www.eatright.org/homefoodsafety/four-steps/cook/complete-list-of-cooking-temperatures. Published 2019. Accessed June 30, 2019. By: Annabelle Shaffer, BS, Master’s candidate in the Division of Nutritional Sciences at University of Illinois Urbana-Champaign Summer picnics are a wonderful way to spend time outdoors with friends and family, but if the food is cooked or stored improperly someone may become sick due to pathogens such as norovirus and salmonella. Every year, nearly 50 million people in the United States fall ill due to foodborne illnesses.1 Young children and older adults are the most susceptible populations. The good news is that with these tips your picnic can be safe for all!Stay Clean2,3Always maintain clean hands, cooking utensils, and eating areas. Bring an alcohol-based hand sanitizer, clean utensils, and plates for raw and cooked foods, and a table cloth.Wash your hands frequently, especially after handling raw foods!Clean your produce at home and wrap in a bag prior to packing it. Separation Is Key 2,3When packing coolers, pack one with raw meats, poultry, egg, and dairy and another with drinks and ready-to-eat foods. If you don’t have two coolers, be sure to wrap your perishable products in a bag to prevent leakages onto ready-to-eat items.When grilling meats and poultry, have separate plates and utensils for raw and cooked foods.If anyone in your party has food allergies, be sure to cook and store their food separately from allergen-containing foods.Keeping It Cool 2,3Store your food in an insulated cooler with plenty of ice. Keep the cooler in the shade and refill with ice if the internal temperature rises above 40 degrees. At temperatures above 40 degrees, pathogens can grow rapidly.Foods such as meats, poultry, egg, and dairy products require special attention. Pack them in a separate cooler and don’t remove until cooking or serving time.Check the cooler’s temperature frequently.Cook Thoroughly4To prevent foodborne illness, it is of utmost importance to cook your food to the proper internal temperature. Cooking foods to the proper temperaturehelps control harmful bacteria.Ground beef, such as hamburger: 160 degreesChicken or turkey meat, such as breast or thigh: 165 degreesSteak: 145 degreesStore It Safely 2,3Foods should not be left outside for more than 2 hours. If the outdoor temperature is above 90 degrees, be careful to not leave food out for more than 1 hour. Set a timer on your phone!If you have leftover food that was not outside for more than 1-2 hours, you can save it for later by refrigerating it as soon as you come home. If the food was left out for longer, discard the items for your safety.Barbecues and picnics are a fun way to spend the day, but follow these tips to keep your day food safe!last_img read more

"Holding a Food Safe Picnic 101"

GALLERY: UAAP Season 80 opening ceremony

first_imgADVERTISEMENT MOST READ Frontrow holds fun run to raise funds for young cancer patients  Nonong Araneta re-elected as PFF president E.T. returns to earth, reunites with grown-up Elliott in new ad  LOOK: Loisa Andalio, Ronnie Alonte unwind in Amanpulo for 3rd anniversary LATEST STORIES Gilas taps Austin, Akhuetie for Fiba Asia Champions Cup Former Ateneo volleyball player Alyssa Valdez during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netFormer Ateneo volleyball player Alyssa Valdez during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netNU Standout Danny Ildefonso during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netNU tennis ace Tin Patrimonio during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netJoe Lipa, Ronnie Magsanoc and Pia Cayetano lead former UP standouts during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netSen. Pia Cayetano during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netFormer UST Growling Tigers Cyrus Baguio and Dylan Ababou during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netFormer FEU Tamaraws RR Garcia and Terrence Romeo during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netFormer FEU star Rachel Anne Daquis during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netFEU volleybelles Rachel An Daquis and Bernadeth Pons during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netNU’s Bobby Ray Parks and FEU’s Terrence Romeo exchange high-fives during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netFEU crowd during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netFormer La Salle star Renren Ritualo during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netLa Salle legends during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netNU standouts during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netTisha Dominguez-Abundo during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netUST legends during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netPerformers during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netPerformers during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netPerformers during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netPerformers during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netPerformers during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netPerformers during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netPerformers during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netPerformers during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netPerformers during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netPerformers during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.netPerformers during the UAAP Season 80 opening ceremonies at Mall of Asia Arena Saturday, September 9. Photo by Tristan Tamayo/INQUIRER.net Fire hits houses in Mandaluyong Citycenter_img BSP sees higher prices in November, but expects stronger peso, low rice costs to put up fight FEATURED STORIESSPORTSWATCH: Drones light up sky in final leg of SEA Games torch runSPORTSSEA Games: Philippines picks up 1st win in men’s water poloSPORTSMalditas save PH from shutout Brace for potentially devastating typhoon approaching PH – NDRRMC View comments Read Next Manny Pacquiao part of 2019 SEA Games opening ceremony PLAY LIST 00:36Manny Pacquiao part of 2019 SEA Games opening ceremony00:50Trending Articles01:00Chief Justice Peralta on upcoming UAAP game: UP has no match against UST01:37Protesters burn down Iran consulate in Najaf01:47Panelo casts doubts on Robredo’s drug war ‘discoveries’01:29Police teams find crossbows, bows in HK university01:35Panelo suggests discounted SEA Games tickets for students02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games WATCH: Streetboys show off slick dance moves in Vhong Navarro’s wedding Don’t miss out on the latest news and information. last_img read more

"GALLERY: UAAP Season 80 opening ceremony"

a month agoLazio boss Simone Inzaghi urges calm after FC Cluj setback

first_imgLazio boss Simone Inzaghi urges calm after FC Cluj setbackby Carlos Volcanoa month agoSend to a friendShare the loveLazio boss Simone Inzaghi urged calm after 2-1 Europa League defeat to FC Cluj.Lazio had the lead through Bastos, but eventually were overrun.“Without doubt, as is often the case, we deserved more and it’s a very disappointing result,” Inzaghi told Sky Sport Italia.“It was above all an excellent first half performance. I am convinced we will go through to the next round and we must always believe in what we’re doing. We should’ve finished the game earlier.“It’s also fair to say the referee should not have awarded that penalty. If we’d gone 2-0 up, we would not have had these issues. We’ve got to keep our heads up, as on Sunday there is an important game against Parma.“These two defeats with Cluj and SPAL are very disappointing, because we need to be more effective in attack and kill games off when we’re in control.“We have to analyse why we keep running out of steam in the second half. This was basically a photocopy of the match against SPAL, despite the fact we’ve worked on those errors over the last three days.” About the authorCarlos VolcanoShare the loveHave your saylast_img read more

"a month agoLazio boss Simone Inzaghi urges calm after FC Cluj setback"

a day agoPhelan admits he was reluctant to return to Man Utd

first_imgTagsTransfersAbout the authorPaul VegasShare the loveHave your say Phelan admits he was reluctant to return to Man Utdby Paul Vegasa day agoSend to a friendShare the loveManchester United assistant Mike Phelan has admitted he was reluctant to return to the club.Phelan left the club in 2013 but was offered a role in Ole Gunnar Solksjaer’s backroom staff last December.He told The Athletic: “I was down at Burnley College doing a coaching day and out on the pitch. About 3 o’clock, I finish and turn my phone on.”There is a call from Ole and another from Ed Woodward. Ole offered me the job and there was no real discussion. ‘Yeah, I’ll do it.'”Going back into Carrington, I was really, really nervous. We’d won the league by a canter when I left. But I didn’t know what to expect.”I had heard a lot of things in my time out about how it was operating. I just thought, ‘I’ll be myself.”And it was like I’d never been away. Surreal. We just brought back a bit of a feelgood factor.” last_img read more

"a day agoPhelan admits he was reluctant to return to Man Utd"

ACC Media Picks Clemson To Win The Conference

first_imgACC media poll picks Clemson to win the conference.ACC Media PollFlorida State’s football program has won the ACC for the last three seasons. A new champion is expected in the conference this fall. At ACC Kickoff, the media selected Clemson to win the conference. The Tigers haven’t won the league since 2011. Clemson picked to win ACC over FSU by 84 to 41 ballots at ACC Media Day. GT favored in its division.— Joe Schad (@schadjoe) July 21, 2015The 2015 #ACCKickoff preseason poll, led by @ClemsonFB, has been released: http://t.co/mMOK526V4V pic.twitter.com/WGrdXdxpd6— ACC Football (@theACCfootball) July 21, 2015It should be a good year in the ACC.last_img read more

"ACC Media Picks Clemson To Win The Conference"

Spotted Worlds Largest PCTC Arrives at JAXPORT

first_imgThe US Jacksonville Port Authority’s (JAXPORT) Blount Island Marine Terminal welcomed Höegh Target, the largest Pure Car and Truck Carrier (PCTC) in the world, on September 30, 2016. To mark the occasion, JAXPORT Executive Vice President and Chief Commercial Officer Roy Schleicher presented Captain She Wei Jun with a plaque on the bridge of the ship.The 8,500 CEU (car equivalent units) vessel, owned by Norwegian RoRo shipping company Höegh Autoliners, arrived at JAXPORT through the newly expanded Panama Canal locks.Earlier this month, the Höegh Target became first Neo-Panamax vessel to call Port Freeport, Texas.The Höegh Target is the first in a series of six Post-Panamax vessels under the Höegh Autoliners’ New Horizon design.Jacksonville is one of the nation’s busiest ports for total vehicle handling. Last year, JAXPORT moved nearly 657,000 vehicles, the largest volume since JAXPORT set an auto volume record in 2007.Image Courtesy: JAXPORTlast_img read more

"Spotted Worlds Largest PCTC Arrives at JAXPORT"

The window is now fully installed where it belongs

first_imgThe window is now fully installed where it belongs, where it will hopefully serve the residents who call camp their home for many more years to come.(photos by Sue Kirsch, and text by Tim Bell) June 15, 2018For the final phases of the camp window restoration, wood worker Erik Puzio received some help from the department’s newest member, volunteer Madeline Visser.The window project offered an opportunity to give Maddie some experience assisting on a complicated project under Erik’s supervision, providing her with the tools to develop her skills in wood working and restoration.The final phase of the project was the installation. Routing the outside edge of the frame using a circular guide allowed for the window to be easily slotted back into place.last_img read more

"The window is now fully installed where it belongs"