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Old picture found at Dayton BMV

October 13th, 2009 at 6:53 pm by under News, Turn to 2, Uncategorized

Rarely do I blog, but when I covered this story today I felt I had to write something.  If you can help this woman find the rightful owner of the picture, that would be great!  Here is the link below.

http://www.wdtn.com/dpp/news/turn_to_2/Restoring_precious_memories


Crash Test Study

April 14th, 2009 at 6:23 pm by under Business, Turn to 2, Uncategorized
New crash tests just released today are raising serious questions about the safety of small cars. People who may be trying to save money by purchasing these smaller cars may be paying with higher risk.

The impact is dramatic. The message seems clear. The smallest cars on the road, even those that meet…And exceed federal safety requirements, do poorly when they crash into their mid-size counterparts.

The non-profit insurance institute for highway safety put the Toyota Yaris, Smart for two and Honda fit in head-to-head crash tests with mid-size models from their respective companies.

The tests show all three earned a poor rating in the head to head collisions. Passengers in the fit, yaris and smart fortwo were at higher risk for injury than those in the larger, heavier midsize sedans.

Smart’s president defends the track record of their cars.

The most recent statistics show the overall death rate for micro-cars is 23 percent higher than for midsize vehicles.

Still, as gas prices soared in the last year so did sales of sub-compacts.

But these tests have some questioning if saving money on gas means paying a price when it comes to safety.

If you would like to find out more about this and other crash tests, you can go to www.iihs.com.


Bank of America Raising Credit Card Interest Rates?

April 14th, 2009 at 4:49 pm by under Business, Turn to 2, Uncategorized

Oh yeah, that’s word from banking officials who seemingly need your money to recoup their losses.  About a week ago, I got a letter in the mail from B of A saying they were going to raise my interest rates from about 9%to a whopping 20.74%!!!!!!  I ’bout jumped out of my pants when I read that.  I immediately called the company to see what the problem was.  I thought, maybe, I had missed a payment or had paid late.  Usually, that’s one way credit card companies can get you.  However, I remembered that I have automatic withdrawals coming from my bank account.  Well, after a short wait, the account representatitve with B of A told me they could raise my rate at any time if they felt it was necessary.  I told them I pay more than the minimum every month and on time.  She told me, “Sir, we’re all having tough times.”  My thought…punish everyone?  She told me I could keep my current rate but all I could do is pay off the card.  If I used it, the interest rate would jump automatically. 

A couple of days later, I was at work when the story crossed the wire again.  This time I read they’re going to raise interest rates on anyone who carries a balance.  I think B of A is crazy in this one.  They are forcing me, and others, to pay off the card instead of making money from the interest rate.  What, are they going to collect from people who don’t pay or pay sporadically?  Plus, I have a problem with them possibly getting money from the government and from their customers.  It’s double dipping in a way to recoup their losses during their poor decision making skills of green lighting bad home loans.  I wonder if other banks will follow suit.  I do know this, me and a few of my coworkers have decided to drop B of A like a bad habit!


Escrow Company Probed For Missing Money

April 1st, 2009 at 6:29 pm by under Business, Turn to 2

If you’re a homeowner, you’re proud of the roof you have over your head. You’ve saved the money, signed the paperwork and the keys are yours! Well, how many of you escrow? It’s a simple thing to do if you want a third party company to pay your property taxes and/or your homeowners insurance every month. You pay into it and they’re suppose to take care of the rest. American Escrow LLC. out of Chicago apparently took care of the rest and then some. They’re accused of stealing the homeowners money. The Illinois Attorney General is investigating the matter. Personally, I don’t escrow because of this reason. I keep my money in a place where I get a pretty good interest rate. Then in the summer and winter, I take the money I’ve been saving to pay the county treasurer. Now, you have to be focused and disciplined to do this or you’ll get in some trouble down the road. What do you do? Love to get your thoughts on the issue. By the way, read or watch the story of this Clark County man right now on the Turn To 2 tab!


Keeping That News Year’s Resolution

January 7th, 2009 at 7:30 pm by under Turn to 2
The key to making a resolution is to stick with it. Here’s how you can do it:

· Set realistic expectations: The No. 1 reason people routinely fail to keep their resolution to improve their health is that they set unrealistic expectations. Oftentimes, you expect immediate results, but each person is different and it takes time to get in shape or lose weight. Be consistent, remain diligent and change will come.

· Find your motivation: Another reason people fail is that they don’t have the proper guidance and aren’t sure where to start. It’s easier to lose interest if you don’t have a solid understanding of what you need to do to lose weight or get in shape; or if your fitness trainer is not helping to motivate you. There are a variety of programs available to help you get in shape, but you need to determine with the help of a good fitness expert which one is the right one for you. Once you do see the hard work paying off, it will be easier to stay motivated. But remember, results won’t be immediate, so develop a plan and stick to it.

· Make it convenient – and fun: Find a location close to home or work and fit your workouts into a schedule that makes the most sense for you. Spread your workouts out throughout the week and keep a change of workout clothes handy in your car, just in case. Also, make sure your workouts are fun. Find several activities you like to do (for example, Pilates, kickboxing or swimming) and intersperse those with your regular workouts. Find an exercise buddy who will help keep you accountable (and vice-versa).

· Consult with your doctor: Before you start any exercise or weight loss program, consult with your doctor to develop a plan that works best for you. Joint and bone problems, high blood pressure, diabetes and heart disease are some examples of health issues that could lead to more problems if you begin an exercise program, even something as simple as stretching, so make sure you get the all-clear before you start.

· Avoid doing too much, too fast: It’s easy to be gung-ho in the early going, only to overdo your workouts and become fatigued or sore. Listen to your body, start slowly and increase your commitment as you make progress.

· Stay away from the bad stuff: Cut back on sodas, coffee and other beverages that lack any apparent nutritional value. Again, don’t move too fast. You’ve likely been at the mercy of these sugary monsters for a long while and they tend to get back at you in the form of headaches. Eliminate them by reducing your intake each week. There are many unhealthy foods out there, but prepackaged meals high in sodium and fast food are diet killers. Alcohol is also high in calories. Become reacquainted with your kitchen and buy nutrient-rich foods such as fruits, vegetables and whole grains. Enjoy the occasional dessert instead of depriving yourself of all of your guilty pleasures. Deprivation breaks motivation.

· Kick the tobacco habit: If you smoke or use tobacco products, there are a variety of treatment options available to help you quit. Talk to your primary care physician about your options. Pharmaceutical treatments might be one option, but addiction counseling, hypnosis, acupuncture and other alternative approaches could offer solutions. The National Acupuncture Detoxification Association specifically designed a protocol to interrupt compulsive or addictive behaviors.

· Plan your meals: If you need to adjust your diet, hire a reputable personal chef to prepare your meals for you. Many chefs prepare two weeks worth of healthy meals and freeze them. They will also instruct you on what foods to avoid and when you can indulge. A poor diet will lead to poor results.

Tips to help you find the right gym:

· Ready for the crowds? Ask how the facility plans to deal with the influx of new members, especially during a new year. Will they place limits on their cardiovascular machines?

· Tour the gym at the time of day you plan to work out. Is it a peak time? Will you have to wait to use cardio machines and equipment you’ll need or get into to fitness class you want? The goal is to find a gym that fits your schedule so working out is easier for you, and you’ll have few excuses for skipping.

· Ask about a free day pass or even trial memberships. Take advantage of these to find out if the gym offers what you’re looking for and is a place you’ll feel comfortable.

· Does the gym have what you’re looking for? Take a look at the weight machines, cardio machines, aerobics room and the schedule for group fitness classes. The more a gym has to offer, the more likely you’ll be happy as your routine changes and grows to include more variety.

· Ask about staffing levels and their qualifications. How many trainers are on staff, and how many are on duty at any given time? Are they certified, professionally trained, etc.?

· Make it a family affair. Many gyms offer childcare, as well as fitness activities that are good for your children. They also offer family membership packages if you have older children.

· Confirm the costs and what they include. Most gyms require a one-time signup/joining fee, and then charge a monthly membership fee, but others require a contract. Find out what is included in these fees. Are there extra fees for group fitness classes? Does it cover parking? What happens if you want to cancel the contract? Most require 30 days written notice.

 


Going Green this Christmas

December 18th, 2008 at 4:21 pm by under Turn to 2

Okay folks, all we here about is going green lately.  This too applies to Christmas and the holiday season.  I’ve got a couple of tips you could follow to help you in your quest to reducing your carbon footprint. 

Holiday Cards:

Cards sold during the holiday season would fill a football field 10 stories high. This year consider going paper-free. Direct friends to your blog or send holiday greetings via email.

If you prefer to send hand-written notes, one service provider Angie’s List talked to suggests taking old holiday cards and cutting them down into postcards, which eliminates unnecessary wasted envelopes and cuts back on postage costs.

Holiday Lighting:

A great way to save money on your utility bill is by switching from traditional holiday lights to LED lights. They are up to 90 percent more efficient. Depending on how often and the number of lights used, a string of 100 LED lights can retail from $10 to $15, and can pay for themselves in as little as one season. LED’s also last longer, are more durable, and produce almost no heat – eliminating fire concerns.

If you use traditional lights, put them on timers. Leaving lights on for 24 hours a day can quadruple your energy costs. Always unplug your lights before going to bed or leaving home.

Wrapping Presents:

Most wrapping paper you find in stores is not recycled and ends up in landfills.  Instead of buying paper, get creative with what you have around the house. Wrap presents in posters, children’s artwork, or put a small present in a scarf/basket and make the wrapping part of the gift.

Re-use gift bags and ribbon.  You could also make gift tags from last year’s cards.  If you love traditional wrapping paper, buy the recycled versions.

Christmas Trees:

Artificial trees are plastic, imported and use petroleum, but are reusable year after year.  If you want a real tree, choose one that’s grown without pesticides or chemical fertilizers. Then recycle your tree after the holidays. Many municipalities collect trees to mulch.

Holiday Parties/Entertaining:

Use real glasses and dishes, especially if you own an energy efficient dishwasher.  If you choose disposable plates, pick recyclable paper, not plastic or Styrofoam.  Use cloth napkins if you can.

Follow a few of these simple tips and you might be well on your way to being Earth friendly.  Merry Christmas and have a Happy New Year!!!!

 


Bailing Out The Big 3?

November 18th, 2008 at 3:21 pm by under Turn to 2

Today, Treasury Secretary Hank Paulson told congressional members on Capitol Hill today that he opposes tapping a $700 billion taxpayer-funded bailout pool to help struggling U.S. automakers.  Members of the house and the senate told the American people that money would be used to help bailout the mortgage industry by buying up all the toxic loans.  Part of that money was to help free up the credit markets so banks could start lending again. 

Republicans insist that any automaker bailout money instead should come from redirecting a $25 billion loan program approved by Congress in September to help the industry develop more fuel-efficient vehicles. The GOP would lift restrictions on that money to speed it to the carmakers.  Democrats want to leave that money alone and give the industry an additional $25 billion from the financial bailout funds — for a total of $50 billion.

So what’s the solution here?  Should the government give the “Big 3″ money?  If so, should stipulations on any funding be in place?  If not, should the car companies be forced to file bankruptcy, restructure, and hit the road again under new leadership?  If these companies fail, we’re looking at possibly more than 2 million people out of a job.  Employees at the OEM’s and their tier 1 and 2 suppliers will be devastated. 

Can we take more bad news?  Citigroup already announced layoffs of staggering proportions.  When you hear 50,000 people will get the pink slip, it makes many people hold on to their short job rope a little tighter.  Our lawmakers must decide what to do in a thoughtful and educated manner.


Digital Transition is Around the Corner!

November 12th, 2008 at 11:02 am by under Turn to 2

The countdown is on before television makes the digital switch.  If you’re using rabbit ears to catch your favorite programming you won’t be able to see it unless you have a digital converter box.  Without your digital converter box all you will see is “snow” after February 17th 2009. So it’s very important that you grab a digital converter box.

Once your tv converter box is turned on it will give you a setup mode or menu.  The first thing you’ll notice is the inital setup screen.  Keep in mind, each converter box setup is different.  It may ask you to continue the set up, and ask you which language preferences you like.  It may ask you to select a time zone, and how you would like to view your picture.

At some point in your setup wizard, the autoscan will scan all of the available channels. You want to make sure you get to this point. This is the only way your digital converter box will be able to find all the channels you need. 

Once your autoscan is complete, you will have a clear digital picture that you will be able to see on your regular television using your regular antenna that you’ve been using all along.

It’s a very simple and easy process to setup. All you have to do is follow the directions in the box. If you would like more information on these digital converter boxes visit the following link.  http://www.dtv.gov/.