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	<title>Ennis Daily News &#187; Consumer tips</title>
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		<title>Tips for grocery store markdowns</title>
		<link>http://www.ennisdailynews.com/lifestyles/tips-for-grocery-store-markdowns/</link>
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		<pubDate>Mon, 02 May 2011 13:37:34 +0000</pubDate>
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				<category><![CDATA[Consumer tips]]></category>
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		<description><![CDATA[Anyone who has been to the supermarket lately knows that some grocery costs have hit an all-time high. At the same time, most shoppers are watching what they spend and want to get the best value. Healthy Steps by Jokari offers seven tips for making savvy supermarket choices, while keeping more cash in the coffer. [...]]]></description>
				<content:encoded><![CDATA[<p>Anyone who has been to the supermarket lately knows that some grocery costs have hit an all-time high. At the same time, most shoppers are watching what they spend and want to get the best value. Healthy Steps by Jokari offers seven tips for making savvy supermarket choices, while keeping more cash in the coffer.</p>
<p>&#8220;Remember the old adage &#8211; <em>don&#8217;t go to the grocery store when you&#8217;re hungry</em>. You are more likely to buy items on impulse, more expensive prepared foods and items you don&#8217;t need that aren&#8217;t on your list,&#8221; says Jeff Logan, Brand Manager for the Healthy Steps line of portion control kitchen tools. With that in mind:</p>
<ul>
<li><strong>Pay attention or you could pay more.</strong> Make sure to watch the screen to see if items ring up correctly. With large inventories and numerous items on sale each week, it isn&#8217;t unusual for something to scan incorrectly. Also make sure to look over the receipt and that it reflects the correct number of items.</li>
<li> <strong>Know what items cost.</strong> Check the price of each item before tossing it into the shopping basket. Take advantage of the everyday discounts, usually marked by yellow tags. Look at the cost per ounce for packaged items, not just the total cost. A larger size may ultimately be more economical. Buy produce in season. While most fruit is available nearly year-round, it will cost more and is not as tasty out of season.</li>
<li><strong>Compare prices.</strong> Watch for sales. In addition to comparing prices between brands at the supermarket, check the fliers for the stores in your area. If a store has several items at lower prices, it may be worth the trip for the savings.</li>
<li><strong>Follow up on rain checks.</strong> If a supermarket is out of an advertised special, ask for a rain check whenever possible. Then, follow up and use it when the item is in stock again.</li>
<li><strong>Understand the marketing.</strong> Convenience sells, but you pay more for it. Prepared meals and entrées such as roasted chicken, bags of salad and baby carrots, pre-sliced vegetables and fruit &#8212; all of these cost more than if you bought the items to prepare yourself. Moreover, prepared meals, entrées and prepackaged foods can contain less-than-healthy preservatives and additives. Buy fresh or make it yourself instead.</li>
<li><strong>Buy in bulk.</strong> Buying in bulk isn&#8217;t just for dry goods like flour, sugar, beans, rice and pasta. Think about buying larger cuts of meat, which may actually cost less per pound. Less expensive cuts can be marinated or tenderized and cooked longer for a delicious alternative. Leaner cuts and boneless cuts are more expensive &#8212; keep the bone and fat to lower cost. The fat can be removed later and bones can add flavor. Items bought in bulk will keep longer when stored in good air-tight containers or in freezer bags in the freezer.</li>
<li><strong>Hunt down the markdowns.</strong> Many stores offer &#8220;manager specials&#8221; or marked-down items that can save plenty of money. But you do need to know where to look, so ask the personnel in the store. Your freezer is a fine way to beat the &#8220;use or freeze by…&#8221; dates listed on many packages.</li>
</ul>
<p>The <a href="http://www.myhealthysteps.com/" target="_blank"><strong>Healthy Steps</strong></a><strong> by Jokari</strong> line has nearly 30 products, and is the first brand in the market to be dedicated to practical portion control and healthier eating at home. The line is available online at Organize.com, Chef Central.com and Amazon. You can find Healthy Steps as part of the Avon and Nutrisystem programs. And a selection of products is available at many different retailers including Hy-Vee, Garden Ridge, Cost Plus World Market, Wegmans, Spartan Stores, Big Y Food Stores, Zabar&#8217;s, Kings Food Stores, QFC and Giant Food Stores.</p>
<p>For more information, log on to <a href="http://www.myhealthysteps.com/" target="_blank">http://www.myhealthysteps.com</a> for products, recipes and nutritional information. Follow <strong>Healthy Steps</strong> <strong>by Jokari</strong> on <a href="http://www.facebook.com/HealthySteps" target="_blank">Facebook.com/healthysteps</a>, <a href="http://twitter.com/#!/Healthy_Steps" target="_blank">Twitter at www.twitter.com/healthy_steps</a> and on YouTube at<a href="http://www.youtube.com/user/MyHealthySteps" target="_blank">www.YouTube.com/user/MyHealthySteps</a>.</p>
<p>&nbsp;</p>
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		<title>Healthy hometown tips from A&amp;M</title>
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		<pubDate>Sat, 30 Apr 2011 13:37:04 +0000</pubDate>
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				<category><![CDATA[Consumer tips]]></category>
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		<description><![CDATA[The Texas A&#38;M Health Science Center is pleased to provide the latest installment of “Hometown Health” with the following tips: College of Medicine Healthy stress management For many people – especially students, parents and teens – spring can be inherently stressful. Tax season, school projects and extracurricular activities can cause anyone to feel stressed and [...]]]></description>
				<content:encoded><![CDATA[<p>The Texas A&amp;M Health Science Center is pleased to provide the latest installment of “Hometown Health” with the following tips:</p>
<p><strong>College of Medicine</strong></p>
<p><strong>Healthy stress management</strong></p>
<p>For many people – especially students, parents and teens – spring can be inherently stressful. Tax season, school projects and extracurricular activities can cause anyone to feel stressed and even overwhelmed.</p>
<p>“Learning how to manage your stress is imperative at any age,” says John Simmons, M.D., assistant professor of family and community medicine at the Texas A&amp;M Health Science Center College of Medicine. “Not only does stress affect you mentally, but it can also affect your body if left unchecked.”</p>
<p>When the brain senses stress, it signals to the adrenal glands to release adrenaline. Adrenaline increases heart rate, blood pressure and the amount of sugar in your blood. The hypothalamus also signals the pituitary gland at the base of the brain to release cortisol, thus maintaining elevated blood sugar and blood pressure.</p>
<p>“These stress responses are suitable for short periods of time, but stress can be damaging if it goes on for weeks or years,” Dr. Simmons says. “Higher levels of cortisol for prolonged periods can hinder your immune system. Constant stress can also affect your blood pressure and the fats in your blood, increasing the likelihood of heart attack and stroke.”</p>
<p>Following a few stress management techniques can help you cope with the onset of stress that spring brings. For starters, identify the sources of stress in your life and prioritize them.</p>
<p>“Take it one object at a time selectively dealing with matters in order of priority,” Dr. Simmons says. “Minimize the number of events in your life in order to accomplish the things that are most important.”</p>
<p>Learn ways to calm your body.</p>
<p>“Simple breathing exercises, yoga and meditation all reduce stress,” Dr. Simmons says. “Take a few minutes each hour to breathe deeply, walk outside or do simple stretches at your desk.”</p>
<p>Exercise is one of the best ways to manage stress. “Work up a sweat!” Dr. Simmons says. “Increasing your heart rate through exercise releases endorphins, the body’s natural pain killers.</p>
<p><strong>College of Nursing</strong></p>
<p>From A-B-C to C-A-B</p>
<p>When it comes to CPR, we’ve always been told to remember the “ABCs” – Airway, Breathing, Circulation. Now, health professionals are saying compressions are more important than airway and breathing. What’s up?</p>
<p>Working to improve survival rates for those having a cardiac arrest, the American Heart Association is introducing new guidelines based on research from people and health care providers giving basic life support.</p>
<p>According to Carolyn Prosise, M.S.N., RN, CNOR, assistant professor in the Texas A&amp;M Health Science Center College of Nursing, the rationale for stressing compressions first comes from “hands-only CPR,” which encourages people – even those without formal CPR training – to assist. Research has shown compressing the chest of a heart attack victim hard and fast is as effective as compressions with breaths.</p>
<p>“Many people are reluctant to attempt opening the airway and giving mouth-to-mouth breaths, and rightly so,” Prosise says. “These skills should be taught and practiced to be effective. If that person knows he or she can help someone who has collapsed from a heart attack or a cardiac arrest by merely calling for help and pushing hard and fast on the middle of the chest with the heels of both hands, then that person may be more likely to take part in the rescue effort.”</p>
<p>As a result, the preferred CPR steps are to call 911 or send someone else to call if you see someone collapse and is unresponsive. Begin compressions using the heel of both hands at the center of the chest between the nipples, pushing hard and fast at least two inches down. The rate should be at least 100 times per minute, and give 30 compressions. If you are trained to give breaths, then give two.</p>
<p><strong>School of Rural Public Health</strong></p>
<p>Finding reliable health information online:</p>
<p>If you’ve tried searching for health information online, you may be overwhelmed by the results. How do you know what to trust?</p>
<p>“One issue with searching online for answers to questions regarding your health is that anyone can put up content on the web,” says Suzanne Shurtz, MLIS, AHIP, adjunct faculty at the Texas A&amp;M Health Science Center School of Rural Public Health, librarian and assistant professor at the Texas A&amp;M University Medical Sciences Library.</p>
<p>According to Shurtz, there are certain keys to follow:</p>
<p>·     Credibility – Does the website state its sources and are these sources authoritative?</p>
<p>·     Timeliness – Does the website tell when it was last updated? Keep in mind medical research is ongoing, so try to find the most current information.</p>
<p>·     Content – Is the information in terms you can understand? Are there advertisements or obvious biases in the recommendations?</p>
<p>“Government and educational organizations with websites ending in .gov, .org and .edu are typically good sources of quality health information,” Shurtz says. “These resources are usually written by those with expertise in the field, based on current research, updated frequently and often have content written in language understandable to the general public.”</p>
<p>Once you find and evaluate online health information, discuss the content with your health care provider and learn how it may apply to you.</p>
<p>“The web can be a wonderful tool to educate yourself about health conditions and treatment options,” Shurtz says. “However, care should be taken that the information you utilize is the best information available. Medical and public librarians can guide you to find reliable health resources.”</p>
<p>Baylor College of Dentistry</p>
<p><strong>High-protein diets produce bad breath</strong></p>
<p>As the weather warms up, people begin shedding their winter clothing for swimsuit season, and that brings on the tendency to diet. Dentists at the Texas A&amp;M Health Science Center Baylor College of Dentistry say the popular high-protein, low-carbohydrate diets can lead to another problem: bad breath.</p>
<p>High-protein foods set off a chemical chain of events once the body starts digesting them. An excess amount of proteins means the body can’t break them down efficiently, resulting in excess amino acids. These amino acids combine with anaerobic bacteria, which are responsible for cavities and decay in the mouth. The result is that noxious sulfur compound that can be smelled on the breath.</p>
<p>“The best and safest way to lose weight is to reduce portion size, cut desserts and snacks, and eat more well-rounded fruits and veggies,” says Dr. Charles W. Wakefield, professor and director of the Advanced Education in General Dentistry Residency program at TAMHSC-Baylor College of Dentistry. “Eat a high-fiber breakfast, don’t eat late at night, and start an exercise program that is supervised by a gym expert, physician or someone who understands not only the physical part of weight loss and diet control but also the psychological part, which is extremely important.”</p>
<p><strong>Irma Lerma Rangel College of Pharmacy</strong></p>
<p><strong>Asthma and allergy awareness</strong></p>
<p>Ah-choo!</p>
<p>May is “National Asthma and Allergy Awareness Month,” as more than 50 million Americans have allergies and 23 million have asthma, according to the U.S. Environmental Protection Agency.</p>
<p>“The most common symptoms of asthma are shortness of breath, coughing, wheezing or when breathing interferes with physical activity,” says Amber Watts, Pharm.D., assistant professor of pharmacy practice at the Texas A&amp;M Health Science Center Irma Lerma Rangel College of Pharmacy. “Allergies are known to cause asthma, but this is not always the case.”</p>
<p>There are two main types of treatment for asthma: a rescue inhaler or maintenance therapy that includes two inhaled medications, a steroid and a beta-agonist. Though significant lifestyle changes are unnecessary, there are some important asthma triggers to try to avoid such as pollen, cigarette smoke and pet dandruff, Dr. Watts says.</p>
<p>Allergy triggers are very similar to asthma but include a wide range of categories such as indoor/outdoor, pet, food, insect, skin and eye allergies.</p>
<p>People with asthma and/or allergies should consult their pharmacist or physician about the proper ways to take their medications.</p>
<p>“For both asthma and allergies, it is very important to take the medications exactly as they are prescribed to you,” Dr. Watts says. “This includes proper use of any inhalers that are given to an individual. Specifically, children should be instructed how to use these properly and can be given a device called a spacer to help.”</p>
<p><strong>Coastal Bend Health Education Center</strong></p>
<p>Healthy vision especially important to those with diabetes</p>
<p>When was the last time you had an eye exam? If you’re currently living with diabetes, you should be able to answer that question with no problem.</p>
<p>According to the American Diabetes Association, individuals diagnosed with diabetes should have a dilated eye exam each year.</p>
<p>“It’s not enough just to go into the doctor to have your prescription verified by an optician. People with diabetes need to have their eyes dilated by an ophthalmologist or optometrist to detect any signs of retinopathy,” says Nelda Caceres, RN, CDE, of the Texas A&amp;M Health Science Center Coastal Bend Health Education Center Diabetes Education Program. “Diabetic retinopathy refers to retina disorders caused by diabetes and can lead to serious complications, including vision loss and retinal detachment.”</p>
<p>In addition to an annual dilated eye exam, there are a number of steps that people with diabetes can take to care for their eyes. Keeping blood sugars under control is of particular importance. One trial conducted by the National Institute of Diabetes and Digestive and Kidney Diseases showed keeping blood glucose levels as close to normal as possible reduced the risk for developing retinopathy by 76 percent.</p>
<p>“Individuals should monitor their blood pressure, avoid smoking and seek the care of an ophthalmologist or optometrist as soon as they become aware of any changes to their vision,” Caceres says. “There are treatments available, but the No. 1 way to avoid complications is to be proactive in caring for your eyes.”</p>
<p>Other eye ailments also affect individuals with diabetes more disproportionately than their counterparts. Research indicates people with diabetes are 40 percent more likely to suffer from glaucoma and 60 percent more likely to develop cataracts.</p>
<p>The Texas A&amp;M Health Science Center provides the state with health education, outreach and research through campuses in Bryan-College Station, Dallas, Temple, Houston, Round Rock, Kingsville, Corpus Christi and McAllen. Its six colleges are the Baylor College of Dentistry, the College of Medicine, the College of Nursing, the School of Graduate Studies, the Irma Lerma Rangel College of Pharmacy and the School of Rural Public Health. Other units include the Institute of Biosciences and Technology and the Coastal Bend Health Education Center.</p>
<p><span style="font-family: 'Times New Roman';"><br />
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		<title>FDA proposes more calorie count information</title>
		<link>http://www.ennisdailynews.com/lifestyles/fda-proposes-more-calorie-count-information/</link>
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		<pubDate>Sun, 03 Apr 2011 01:30:24 +0000</pubDate>
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				<category><![CDATA[Consumer tips]]></category>
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		<description><![CDATA[WASHINGTON (AP) — It could get harder to indulge in a double cheeseburger and fries without feeling guilty. Menu labeling requirements proposed Friday by the Food and Drug Administration will require chain restaurants with 20 or more locations, along with bakeries, grocery stores, convenience stores and coffee chains, to clearly post the calorie count for [...]]]></description>
				<content:encoded><![CDATA[<p>WASHINGTON (AP) — It could get harder to indulge in a double cheeseburger and fries without feeling guilty.</p>
<div>
<p>Menu labeling requirements proposed Friday by the Food and Drug Administration will require chain restaurants with 20 or more locations, along with bakeries, grocery stores, convenience stores and coffee chains, to clearly post the calorie count for each item on their menus.</p>
<p>&#8220;We&#8217;ve got a huge obesity problem in this country and it&#8217;s due in part to excess calorie consumption outside the home,&#8221; says Mike Taylor, FDA deputy commissioner for foods. &#8220;Consumers generally when you ask them say they would prefer to have that information.&#8221;</p>
<p>The new rules will apply to menus, both in restaurants and drive-through lanes. They will also apply to vending machines if calorie information isn&#8217;t already visible on the package.</p>
<p>The calorie counts will apply to an estimated 280,000 establishments and could be on menus by 2012. Required as part of health overhaul legislation signed into law last year, they are designed to give restaurant diners information that has long been available on packaged goods cooked at home. The FDA estimates that a third of calories are consumed by eating out.</p>
<p>But don&#8217;t expect calorie shock when ordering at the movie theater, where a tub of popcorn can contain well north of a thousand calories — movie theaters are exempt, along with airplanes, bowling alleys and other businesses whose primary business is not to sell food, according to the FDA. Movie theaters pushed to be left out after guidelines published last year included them.</p>
<p>Alcohol will also be exempted, according to the agency. Margo Wootan, director of nutrition policy at the advocacy group Center for Science in the Public Interest, says that could be misleading to consumers.</p>
<p>&#8220;I think it&#8217;s going to be confusing if customers see the calories for soft drinks and juice labeled on the menu but not other drinks such as beer and wine,&#8221; she said. &#8220;It will make it seem like they are better choices.&#8221;</p>
<p>Still, Wootan says the guidelines are a positive step.</p>
<p>&#8220;You won&#8217;t have to get out of line and go back to some poster by the bathroom and look at some item in a tiny font size,&#8221; she says. &#8220;It will be right there on the menu where you are getting your other information about what to order.&#8221;</p>
<p>The idea is to make sure that customers process the calorie information as they are figuring out what to eat. Many restaurants currently post nutritional information in a hallway, on a hamburger wrapper or on their website. The new law will make calories immediately available for most items.</p>
<p>Menus and menu boards will also tell diners that a 2,000-calorie diet is used as the basis for general nutrition advice, noting that individual calorie needs may vary.</p>
<p>The labeling requirements were added to the health bill with the support of the restaurant industry, which is facing a smattering of laws from cities and states. New York City was the first in the country to put a calorie posting law in place. Since then, California, Seattle and other places have done so.</p>
<p>Dawn Sweeney, president and CEO of the National Restaurant Association, said the calorie postings will provide customers with consistent information.</p>
<p>&#8220;The new standard,&#8221; she said, &#8220;will help chain restaurants provide the same type of nutrition information to consumers in any part of the country.&#8221;</p>
</div>
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		<title>Grocers say high vegetable prices should drop soon</title>
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		<pubDate>Wed, 23 Mar 2011 19:37:13 +0000</pubDate>
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		<description><![CDATA[CHAMPAIGN, Ill. (AP) — A nearly 50 percent increase in vegetable prices that has sent shoppers reeling in the produce aisle should ease in the coming weeks as farmers send grocers more tomatoes, lettuce and other crops. Vegetable prices shot up last month after cold weather in the southern U.S. and Mexico destroyed much of [...]]]></description>
				<content:encoded><![CDATA[<p>CHAMPAIGN, Ill. (AP) — A nearly 50 percent increase in vegetable prices that has sent shoppers reeling in the produce aisle should ease in the coming weeks as farmers send grocers more tomatoes, lettuce and other crops.</p>
<div>
<p>Vegetable prices shot up last month after cold weather in the southern U.S. and Mexico destroyed much of the winter vegetable supply, the Commerce Department said. From tomatoes in Florida to lettuce in Arizona, fruit and vegetables became frostbitten, and prices rose for the produce farmers could save.</p>
<p>Costs should be coming down soon, though, as crops farmers planted after the winter freezes start to reach stores, said growers, grocers and analysts. Grocers also typically switch this time of year to crops planted for spring, said Jody Shee, an analyst for the market research firm Mintel.</p>
<p>&#8220;Unless there are any other weather issues, the prices should bounce back pretty soon,&#8221; she said.</p>
<p>The Iowa-based Hy-Vee supermarket chain, which has more than 230 stores in the Midwest, already is seeing cheaper prices for lettuce, broccoli and other vegetables, spokeswoman Ruth Comer said. But tomatoes and cucumbers, which were hit hard by cold weather in Mexico, could remain high for one more month, she said.</p>
<p>Vegetables imported from Mexico often offset losses in the U.S. during winter freezes, but that wasn&#8217;t the case this year because the cold stretched further south than usual, said Gary Lucier, an agricultural economist with the U.S. Department of Agriculture&#8217;s Economic Research Service.</p>
<p>The result was the biggest one-month increase in overall food prices Americans have seen since 1974 and the steepest rise in U.S. inflation in nearly two years.</p>
<p>&#8220;I&#8217;ve been paying more on everything,&#8221; said Anne Schwartz, 63, who lives west of Chicago in Winfield, Ill. &#8220;You used to be able to walk in there and get three avocados for a dollar.&#8221;</p>
<p>Now, avocados cost $1 each at her local grocery, she said.</p>
<p>Although shoppers are paying more, farmers in the Sun Belt say they haven&#8217;t been getting rich. Most lost at least some of their crops, and they said the higher prices have just been helping make up for it.</p>
<p>Bob Spencer, co-owner of West Coast Tomato in Palmetto, Fla., said two freezes in December left him with about 30 to 40 percent of the crop he usually gets on the 4,000 acres he planted this year. But with tomatoes selling for more than $30 for a 25-pound box in some cases, at least double what farmers usually get, according to the U.S. Department of Agriculture, the loss hasn&#8217;t been devastating.</p>
<p>&#8220;As long as you had some product through this winter period, you&#8217;re going to be able to come through and make money,&#8221; Spencer said.</p>
<p>And, for many tomato farmers who &#8220;overplant&#8221; their crop, a freeze can prevent the price drops — and loss of profits — that a strong harvest can cause, he said.</p>
<p>That was a problem last year, when a bad freeze caused similar jumps in tomato prices, but then farmers flooded the market with a second crop and prices plummeted.</p>
<p>&#8220;We left a lot of money in the field last year,&#8221; said Reggie Brown, executive vice president of the Florida Tomato Growers Exchange in Maitland, Fla. &#8220;The industry went into this year, to characterize it, with a limp.&#8221;</p>
<p>In Yuma, Ariz., where much of the nation&#8217;s winter lettuce is grown, Steve Alameda said two days of temperatures below 20 degrees froze his Romaine and Iceberg plants.</p>
<p>&#8220;The lettuce actually blisters,&#8221; Alameda said. &#8220;When you start to harvest, you have to cut all that out. Your yields were basically cut in half.&#8221;</p>
<p>But greens grow relatively quickly, and Alameda said production of some lettuce and other crops grown in his region are already starting to pick up.</p>
<p>&#8220;We&#8217;ll do better on account of (the circumstances) than we would have without it,&#8221; Alameda said, referring to the jump in prices. &#8220;There&#8217;ll be some who will, some who won&#8217;t.&#8221;</p>
<p>Prices for a handful of crops, like melons, that take longer to grow could take a longer to drop, said John McClung, president of the Texas Produce Association, a group of produce shippers and growers in the Rio Grande Valley in deep south Texas.</p>
<p>&#8220;It takes in some cases a season,&#8221; he said. But farmers in his area, too, have had a decent winter financially with higher prices making up for losses caused by an unusual spell of cold weather.</p>
<p>&#8220;In agriculture,&#8221; he said, &#8220;the rule is that there are always winners and losers every season.&#8221;</p>
</div>
<p>&nbsp;</p>
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		<title>First steps in home-buying process</title>
		<link>http://www.ennisdailynews.com/lifestyles/first-steps-in-home-buying-process/</link>
		<comments>http://www.ennisdailynews.com/lifestyles/first-steps-in-home-buying-process/#comments</comments>
		<pubDate>Sat, 19 Mar 2011 00:33:17 +0000</pubDate>
		<dc:creator>publisher</dc:creator>
				<category><![CDATA[Consumer tips]]></category>
		<category><![CDATA[Lifestyles]]></category>

		<guid isPermaLink="false">http://www.ennisdailynews.com/?p=7991</guid>
		<description><![CDATA[With the home buying season upon us, and interest rates continuing to remain at historically low levels, the phone lines are once again beginning to ring in our real estate office. The conversation goes something like this…..”Hello, I am interested in the house you have for sale at….can we take a look at it?” That’s my cue to start asking the usual pre-qualification questions to the potential homebuyer. After about two or three of those conversations, it occurred to me that there are folks out there that could benefit from some guidance in the home buying process.
]]></description>
				<content:encoded><![CDATA[<p><strong>Laurie Mah, <span class="mh-email">lau<a href='http://www.google.com/recaptcha/mailhide/d?k=01O7q9LRkvE3-NnjjEhgjtaA==&amp;c=S4gj_bLVdNNGXnTHWW3gdgxJToEzJ-Nn8eOj4NJ9_yM=' onclick="window.open('http://www.google.com/recaptcha/mailhide/d?k=01O7q9LRkvE3-NnjjEhgjtaA==&amp;c=S4gj_bLVdNNGXnTHWW3gdgxJToEzJ-Nn8eOj4NJ9_yM=', '', 'toolbar=0,scrollbars=0,location=0,statusbar=0,menubar=0,resizable=0,width=500,height=300'); return false;" title="Reveal this e-mail address">...</a>@lauriemah.com</span></strong></p>
<p><span style="font-family: Calibri; font-size: medium;"> </span></p>
<div id="attachment_7992" class="wp-caption alignleft" style="width: 90px"><a href="http://www.ennisdailynews.com/wp-content/uploads/2011/03/Mah-Laurie-BLOG.jpg"><img class="size-full wp-image-7992" title="Mah Laurie BLOG" src="http://www.ennisdailynews.com/wp-content/uploads/2011/03/Mah-Laurie-BLOG.jpg" alt="" width="80" height="106" /></a><p class="wp-caption-text">Laurie Mah</p></div>
<p>With the home buying season upon us, and interest rates continuing to remain at historically low levels, the phone lines are once again beginning to ring in our real estate office. The conversation goes something like this…..”Hello, I am interested in the house you have for sale at….can we take a look at it?” That’s my cue to start asking the usual pre-qualification questions to the potential homebuyer. After about two or three of those conversations, it occurred to me that there are folks out there that could benefit from some guidance in the home buying process.</p>
<p><span style="font-family: Calibri; font-size: medium;">So here you have it. What is the first step in Home Buying?</span></p>
<p><span style="font-family: Calibri; font-size: medium;">The first thing you want to do in the event you don’t already have a mortgage broker or loan officer at your bank is to contact your Realtor for a recommendation for such person. It is important to take care of this first and foremost in order for you to know <strong>if you qualify</strong> for a mortgage and <strong>how much</strong> house you can afford. No sense in going out house hunting without knowing this upfront, otherwise you risk looking at houses you can’t afford or wasting your time and that of your Realtor only to find out you have some dings on your credit and you need a few months to correct,  therefore postponing the home buying process all together. Most lenders are happy to work with you to resolve any obstacles that are preventing you from qualifying.</span></p>
<p><span style="font-family: Calibri; font-size: medium;">Most mortgage companies and banks make it easy for everyone by having an online application to get you started that will provide you answers within a matter of minutes. If not, you can perform the process over the phone. By providing limited information to your loan officer or mortgage broker, you can get pre-qualified. It is a good start and will allow you to hit the pavement house hunting; know that you still have more work to do providing a list of documents to substantiate that information but at least your credit score and income are sufficient to move forward with the approval process. Frankly, if you are serious about home buying and know you have a limited amount of time to get moved, then go the extra mile up front and provide all the necessary documentation required by your lender to get full approval. By doing so, not only do you know exactly how much house you can afford and what it will cost you but it puts you in a better bargaining position and allows you to move quicker once you do find your dream home. Also note, the sellers have more confidence going into the transaction knowing that you are more than halfway through the process. Barring any hiccups with the inspection, title work and appraisal reports, you are that much closer to the American dream of homeownership. This is by no means an exhaustive explanation of your first step in the home buying process. </span></p>
<p><span style="font-family: Calibri; font-size: medium;">Know that this explanation is from a licensed realtor’s perspective and is for informational purposes only.  For complete details and current rates and fee information contact your banker or licensed mortgage broker. For further questions you can contact me at </span><span class="mh-hyperlinked"><a href='http://www.google.com/recaptcha/mailhide/d?k=01O7q9LRkvE3-NnjjEhgjtaA==&c=S4gj_bLVdNNGXnTHWW3gdgxJToEzJ-Nn8eOj4NJ9_yM=' onclick="window.open('http://www.google.com/recaptcha/mailhide/d?k=01O7q9LRkvE3-NnjjEhgjtaA==&amp;c=S4gj_bLVdNNGXnTHWW3gdgxJToEzJ-Nn8eOj4NJ9_yM=', '', 'toolbar=0,scrollbars=0,location=0,statusbar=0,menubar=0,resizable=0,width=500,height=300'); return false;"><span style="color: #0000ff; font-family: Calibri; font-size: medium;"><span style="text-decoration: underline;">laurie@lauriemah.com</span></span></a></span><span style="font-family: Calibri; font-size: medium;"> or by phone at 469-831-6946.</span></p>
<p><em><span style="font-family: Calibri; font-size: medium;"> </span></em></p>
<p>&nbsp;</p>
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		<title>Home-staging key to selling in today&#8217;s market</title>
		<link>http://www.ennisdailynews.com/lifestyles/home-staging-key-to-selling-in-todays-market/</link>
		<comments>http://www.ennisdailynews.com/lifestyles/home-staging-key-to-selling-in-todays-market/#comments</comments>
		<pubDate>Tue, 15 Mar 2011 20:28:00 +0000</pubDate>
		<dc:creator>publisher</dc:creator>
				<category><![CDATA[Consumer tips]]></category>
		<category><![CDATA[Lifestyles]]></category>
		<category><![CDATA[Laurie Mah]]></category>

		<guid isPermaLink="false">http://www.ennisdailynews.com/?p=7790</guid>
		<description><![CDATA[First on your to-do list, is to de-clutter. Once you put your home on the market to sell it is no longer your home, unfortunately. It needs to show like a model home. Pack away all the photos and knick-knacks that you have accumulated over the years, after all you are moving; get a jumpstart on the packing process. You want your house to look as spacious and roomy as possible, so remember the motto….less is more.
]]></description>
				<content:encoded><![CDATA[<p><strong>Laurie Mah, REMAX<br />
</strong><br />
First on your to-do list, is to de-clutter. Once you put your home on the market to sell it is no longer your home, unfortunately. It needs to show like a model home. Pack away all the photos and knick-knacks that you have accumulated over the years, after all you are moving; get a jumpstart on the packing process. You want your house to look as spacious and roomy as possible, so remember the motto….less is more.</p>
<div id="attachment_7793" class="wp-caption alignleft" style="width: 90px"><a href="http://www.ennisdailynews.com/wp-content/uploads/2011/03/Laurie-Head-Shot.jpg"><img class="size-full wp-image-7793" title="Laurie Head Shot" src="http://www.ennisdailynews.com/wp-content/uploads/2011/03/Laurie-Head-Shot.jpg" alt="" width="80" height="106" /></a><p class="wp-caption-text">Realtor Laurie Mah</p></div>
<p>Next comes cleaning, nothing turns a buyer off more than a dirty house. Clean all the nooks and crannies you’ve never cleaned before…it will be noticed. We all keep our homes tidy and orderly, but when it comes to selling your home, you want a top to bottom, inside out clean.  Glass doors and windows are particularly important; they should be glistening clean both inside and out. Another area of neglect is ceiling fans and air vents. These are commonly overlooked in our daily routine. But certainly a potential buyer will take note and may result in a bad first impression.</p>
<p>After thorough cleaning and de-cluttering the interior, it’s time to move outdoors.  You want your house to be the cream puff of the neighborhood. You can accomplish that with some simple curb appeal! Freshen up the front door and make the entry way inviting. Put down fresh mulch and shrubs or colorful flowers to entice the buyers to want to see what’s beyond the front door. And don’t forget the backyard, curb appeal is more than the front yard it’s the entire outdoor space.</p>
<p>Lastly, if you don’t have the knack for interior design, hire a home stager. Staging your home is paramount in getting it sold. Positioning or removing furniture to maximize the space in a room is essential. The more floor space and walkway, the more spacious the home feels. The “less is more” motto also applies to the amount of furniture in a room. Adding just the right amount of accessories with the right color scheme will go a long way. It is money well spent to get that positive first impression and have a potential buyer leave your home with a good feeling and your home at the top of their list.</p>
<p><em>Contact Laurie Mah, GRI, at RE/MAX About Dallas Serving all of Ennis and Ellis County at <a href="http://www.lauriemah.com/">www.LaurieMah.com</a>.</em></p>
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		<title>Go green, shop local</title>
		<link>http://www.ennisdailynews.com/lifestyles/consumer-tips/go-green-shop-local/</link>
		<comments>http://www.ennisdailynews.com/lifestyles/consumer-tips/go-green-shop-local/#comments</comments>
		<pubDate>Sun, 13 Feb 2011 17:35:11 +0000</pubDate>
		<dc:creator>publisher</dc:creator>
				<category><![CDATA[Consumer tips]]></category>

		<guid isPermaLink="false">http://www.ennisdailynews.com.php5-19.dfw1-2.websitetestlink.com/?p=6641</guid>
		<description><![CDATA[During the recent economic downturn, people across the globe were forced to cut back. In many cases, these cutbacks cost the people who could least afford to take a hit. Small, local businesses might have bore the brunt of the trend toward more financial responsibility. While everyone understands savings, it&#8217;s possible to save and still [...]]]></description>
				<content:encoded><![CDATA[<p>During the recent economic downturn, people across the globe were forced to cut back. In many cases, these cutbacks cost the people who could least afford to take a hit. Small, local businesses might have bore the brunt of the trend toward more financial responsibility.</p>
<p>While everyone understands savings, it&#8217;s possible to save and still support the local businessman, while also helping the planet. Shopping locally might seem more costly on the surface, but in many ways shopping locally is the most economically, not to mention environmentally, responsible thing a consumer can do.</p>
<p>* Conserve fuel. Shopping at one of the larger discount chains might produce results at the register, but unless you have such a store right in your hometown, those savings aren&#8217;t what they appear. That&#8217;s because discount chains might be farther away from home, meaning you&#8217;ll be spending considerably more on fuel just to get what likely amounts to a minimal discount. The local businessman might not be able to match the big chain&#8217;s price, but he can likely offer the item at a price similar to the big chains, but without the additional cost of fuel.</p>
<p>* Reduce pollution. Local businesses often don&#8217;t place the tall orders of their big chain counterparts. While their inventory might be less, that inventory is typically delivered in more environmentally friendly vehicles. Larger chains receive the vast majority of their items via big trucks that guzzle gas and produce pollution. So while shopping at the Mom and Pop might seem like a small favor to a neighbor, it&#8217;s a big favor to the environment.</p>
<p>* Future considerations. Kids learn a lot from Mom and Dad&#8217;s behavior. Parents can instill a valuable lesson in social and environmental responsibility by supporting local businessmen. If kids learn early to shop conscientiously, they&#8217;re more likely to carry that behavior into adulthood, contributing to the planet&#8217;s longterm health as well.</p>
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		<title>Conquer clutter for good</title>
		<link>http://www.ennisdailynews.com/lifestyles/consumer-tips/conquer-clutter-for-good/</link>
		<comments>http://www.ennisdailynews.com/lifestyles/consumer-tips/conquer-clutter-for-good/#comments</comments>
		<pubDate>Sun, 13 Feb 2011 17:27:13 +0000</pubDate>
		<dc:creator>publisher</dc:creator>
				<category><![CDATA[Consumer tips]]></category>

		<guid isPermaLink="false">http://www.ennisdailynews.com.php5-19.dfw1-2.websitetestlink.com/?p=6639</guid>
		<description><![CDATA[Clutter has a funny way of creeping up on a person. It starts with a few papers piling up on the counter. After awhile, closets and cabinets are packed with stuff rarely used. Homeowners can tame the clutter by following a few steps. For many people the accumulation of belongings is a status symbol. Many [...]]]></description>
				<content:encoded><![CDATA[<p>Clutter has a funny way of creeping up on a person. It starts with a few papers piling up on the counter. After awhile, closets and cabinets are packed with stuff rarely used. Homeowners can tame the clutter by following a few steps.</p>
<p>For many people the accumulation of belongings is a status symbol. Many believe that the more stuff they have &#8230; bigger and better stuff &#8230; the more successful and well off they are. They have to have the latest video game systems, books, magazines, electronic gizmos, and more. After a while &#8212; and when interest wanes in these items &#8212; they&#8217;re placed in storage and begin collecting dust.</p>
<p>Breaking the connection with belongings is one of the first steps to clearing out clutter. Here are some other steps to take.</p>
<p>* Make friends with the garbage pail. One of the easiest ways to get rid of clutter is to simply get rid of it. If an item hasn&#8217;t been used in at least a year, think about throwing it out. Many people say they are going to sell or donate seldom-used belongings, only to procrastinate. Tossing them into the trash is faster.</p>
<p>* Have a yard sale. For individuals who have the gumption and devotion to organize and sell items, then have a yard sale. One man&#8217;s trash is another man&#8217;s treasure. This can be a fast way to get rid of clutter and make a few dollars in the process. Chances are a yard sale will yield faster results than putting items for saleonline. Plus, the seller doesn&#8217;t have to incur the costs of shipping.</p>
<p>* Freebie offer. There are enterprising individuals who are just looking for no- or low-cost items to collect, and probably add to their own clutter. Set items that will not be used at the curb and there&#8217;s a good chance they will be gone before the next garbage pickup. Ask friends and family members if they have a need for certain items that can be given away.</p>
<p>* Donate. There are plenty of less-fortunate people who can benefit from another person&#8217;s excess. If there is baby clothes and gear that may be stored in an attic, find out if it can be donated to a women&#8217;s shelter or a daycare center. Perhaps a halfway house can use electronics, older appliances, tools, and other things that have been accumulating in the garage. Be reasonable about clothing in the closet. If it doesn&#8217;t fit now, give it away. Should one lose weight at a later time, it will be fun to purchase smaller clothing.</p>
<p>* Organizational systems can help. There are all sorts of products, from closet systems to storage bins, that can help organize belongings. Simply culling through items and storing them in designated bins or on shelves can significantly reduce a mess.</p>
<p>* Rotate closets. Free up space in closets by storing out-of-season clothes and shoes in the attic. Once the weather changes, then swap the wardrobe. This easily alleviates space concerns.</p>
<p>* Put things where they belong. Laziness often leads to clutter. That&#8217;s because people tend to drop things in drawers or areas where items don&#8217;t belong as a quick fix. Not only does this make finding things more difficult, it may contribute to purchasing doubles of things already owned. It can also cause clutter to accumulate where it&#8217;s least desired. Take the time to put things where they belong and alleviate a mess in the process.</p>
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		<title>Plan your garage sale strategy now</title>
		<link>http://www.ennisdailynews.com/lifestyles/plan-your-garage-sale-strategy-now/</link>
		<comments>http://www.ennisdailynews.com/lifestyles/plan-your-garage-sale-strategy-now/#comments</comments>
		<pubDate>Sun, 13 Feb 2011 17:25:33 +0000</pubDate>
		<dc:creator>publisher</dc:creator>
				<category><![CDATA[Consumer tips]]></category>
		<category><![CDATA[Lifestyles]]></category>

		<guid isPermaLink="false">http://www.ennisdailynews.com.php5-19.dfw1-2.websitetestlink.com/?p=6637</guid>
		<description><![CDATA[With the arrival of spring comes the return of many a springtime tradition. Spring cleaning and Sunday driving are just a few of the traditions that are synonymous with spring. Another tradition many associate with spring is the garage sale. As homeowners make their way about the house, many find a bevy items they no longer need [...]]]></description>
				<content:encoded><![CDATA[<p>With the arrival of spring comes the return of many a springtime tradition. Spring cleaning and Sunday driving are just a few of the traditions that are synonymous with spring.</p>
<p>Another tradition many associate with spring is the garage sale. As homeowners make their way about the house, many find a bevy items they no longer need but don&#8217;t want to simply throw away. Traditionally, households with enough such items have decided to host a garage sale. However, like many remnants of yesteryear, garage sales have undergone a makeover as technology has evolved. Nowadays, the Internet allows homeowners to peddle their wares online, selling items via auction or simply through such Web sites as Amazon.com. Homeowners about to embrace the 21st century &#8220;garage sale&#8221; should consider the following tips.</p>
<p>* Choose the right Web site. Not all sites are equal, and some might not be best suited to selling personal items. For many homeowners, the best Web site is the one that&#8217;s free. After all, items sold at garage sales are often inexpensive knickknacks, so paying for the right to post them online might be more trouble than its worth and will cut into the profits.</p>
<p>However, many sites are free while others often charge relatively small amounts to post items for sale. Choosing the right Web site can make the difference between making a profit and selling the item.</p>
<p>* Consider a locally-based Web site. Because many garage sales have clothes available for sale, buyers often want to see the clothing in person before buying it. For that reason it&#8217;s often in the seller&#8217;s best interest to choose a locally-based Web site such as the local newspaper&#8217;s online or print classifieds or a site such as Craigslist that offers local classifieds for a number of cities or regions.</p>
<p>* Have fun with the ad. Oftentimes, online classifieds are loaded with items for sale. That said, your ad might seem like a needle in a haystack. However, writing a creative ad that catches attention is a good way to set yours apart from a host of similar postingsoffering similar items for sale. A good headline will result in more viewers for the ad. But the headline isn&#8217;t everything. Include a couple of photos within the ad so viewers can see what they might end up buying. It&#8217;s also helpful to employ some colorful writing in the ad, and be sure to spell check and grammar check as well.</p>
<p>* Set a correct price for the item. Do your research when postingan item for sale online. Look for similar items to determine an appropriate price range. If you&#8217;re open to negotiation, be sure to make that known in the advertisement.</p>
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