Are hidden leaks damaging your home, boosting water bills and harming the environment?

2018-02-26T10:53:00

(BPT) – Home water leaks waste 1 trillion gallons of water per year, and 10 percent of American homes have leaks that waste 90 gallons of water a day, according to the EPA.

Fixing easily detectable leaks like dripping faucets and malfunctioning toilets can reduce water bills and water waste. But what do you do about the leaks you can’t see?

Hidden leaks can be dangerous. Leaking pipes within walls can cause mold. Dripping faucets behind appliances can be a fire hazard. Leaking irrigation can cause significant lawn damage. And that’s just the tip of the iceberg.

In a national study of more than 300 homes, intelligent-water industry leader Phyn found that 17 percent of homes have some type of leak. Of those leaks, half were from a broken toilet flapper. This type of common leak wastes 800 to 1,100 gallons of water each day!

Uncovering hidden leaks is important for your budget, your safety and to protect your property investment. Here are some ways to easily detect hidden leaks so you don’t have to worry:

Proactive inspections: Look where hidden leaks commonly occur before you see signs of a problem. Early detection could prevent costly damage. Even new homes need this approach, since human error during construction could lead to hidden leaks later.

Inspect systems: First check your irrigation system by walking around the yard, looking for signs of leaks, like puddles of water or depressions in the ground near sprinkler heads or lines. Also, inspect around your water heater for moisture. Remember to watch the water meter, too. An unexpected spike in a water bill could indicate a problem.

Technology: New advancements help detect leaks using intelligent-water technology, such as the Phyn Plus smart water assistant + shutoff. Installed right after the meter on the main water line, this device analyzes your home’s water use by measuring tiny changes in pressure at 240 times per second. This allows the device to shut off the water automatically, so the owners can rest assured that they won’t come home to surprise water damage from a burst pipe.

Keep age in mind: Older homes have older pipes and systems that may be more prone to leaks, so it’s important to keep close attention on your home as it ages. That being said, new homes aren’t immune to water leaks. You may have heard stories of new homeowners hanging a picture on their wall, only to find a puddle on the floor the next day right below where the nail had punctured a pipe. Pipes and soldering can fail at any time, whether your home is brand new or 100 years old.

Use the pros: When in doubt, hire a professional to get expert insight and workmanship. For example, the Uponor Pro Squad is a group of authorized, intelligent-water specialists, dedicated to installing and servicing the Phyn Plus. Pro Squad members have been trained and certified to provide an expert installation experience, ensuring the quality and workability of the Phyn Plus device.

It’s important to detect hidden water leaks in your home. Learn more about water leaks and smart home technology at www.phyn.com.


How to assess your lawn equipment, get ready for the spring and achieve maximum results

2018-03-07T12:01:00

(BPT) – Spring season marks the beginning of the lawn care regimen and many of us have big plans and strategies ready to make this season of lawn care our best yet.

Now we just have to make sure our tools are ready to carry out our vision.

After a long winter of dormancy, power tools like blowers, trimmers and lawn mowers require some early season maintenance to perform at their best throughout the summer. This maintenance includes checking the equipment for any wear and tear issues and cleaning off dirt and grime, but you may want to consider a few extra steps.

Before you start up your power tools for the season, apply these prep steps:

* Lubricate immediately. This first tip is really for mowers. Before using your mower this season, make sure the machine is greased and lubricated at all major function points. This is also a great time to check the tire pressure — adjusting as needed — and to make sure the deck is level and ready to go.

* Check and change the oil. Checking the oil in your mower utilizes a dip stick just like the oil gauge in your car, but in the spring you should probably plan to change your mower’s oil as well, as oil can deteriorate. This can be done by turning the mower so the spark plug side is facing up, opening the oil plug with a socket wrench and letting the oil spill into an oil-safe container. Recycle this oil and, before adding new oil, be sure you’re adding the right blend. The owner’s manual will tell you what type of oil your mower needs.

* Replace air filters. Air filters get clogged quickly in yard equipment because of all the dust, grass clippings and debris they collect. That’s why it’s a good idea to replace the filters in your tools at the start of the year. The air filter will be located behind a panel, near the engine, and this panel can be removed with a screwdriver, allowing you access to the air filter to make the replacement. Once again, before throwing your filter away, be sure you have the proper model to replace it.

* Drain and replace stale fuel. Like your engine’s oil, fuel that remained dormant all winter grows stale and can lead to sediment buildup. If you didn’t burn off the last of your fuel last season, drain the fuel now with a hand siphon before adding new fuel. Remember that fuel will be found not only in the fuel tank, but it may also be found in the carburetor and fuel lines.

* Fuel concerns for blowers. If a blower is part of your spring lawn care plans, addressing oil and fuel concerns in this piece of equipment changes slightly from what was listed above. To check the oil and fuel levels in your blower, choke the engine a few times first. This ensures all the fuel is out of the system. From there you can proceed with your adjustments knowing all the oil and fuel in the blower is accounted for.

* Check the deflectors. If you’re planning to get your trimmer ready for spring, you first need to clear off any dirt and grime accumulated while in storage and then make sure your deflectors are intact. The deflectors provide protection from flying debris, so it’s important to make sure they aren’t cracked or bent.

* Be sure the blades are ready. The blades beneath the deck of your mower are integral to your lawn care routine but as you place them in the thick of every project, they collect a fair amount of debris during the season. Thus, before starting your new lawn care regimen, be sure to check underneath the deck and scrape any existing debris free from the space. This is also a great time to be sure the blades are sharp and that everything is in good working condition.

Finding additional information

If you have a question about one of your tools that was not addressed in this guide or you’re unsure of your ability to fix on your own, don’t be afraid to seek professional help. Husqvarna’s dealer locator tool can help you find a list of experts in your area who can walk you through everything you need to do to get your tools ready for spring, so you can enjoy your best lawn care season yet.


R&R in the great outdoors: 3 ways to transform your outdoor living space

2018-03-13T16:57:00

(BPT) – As Americans increasingly appreciate the therapeutic benefits of nature, they’re putting more thought and effort into creating beautiful, comfortable and functional living areas outside their own homes.

These days, such outdoor havens are considered valuable home extensions rather than underutilized corners of your yard. More than 70 percent of U.S. households now incorporate outdoor living spaces, reports one survey, and nearly 70 percent use those areas at least weekly in season.

A favorite material for such havens is Western Red Cedar, a stunning and fragrant wood species that incorporates beautifully into decks, porches, furniture and other functional elements of your home.

Not surprisingly, Western Red Cedar has many fans in the construction world. Colin McAllister and Justin Ryan of HGTV’s “Colin and Justin’s Home Heist” recently broadcast an online episode featuring the building of a lakeside cabin pergola that features the finely grained wood. “It smells incredible,” notes Ryan. “Honestly, you are transported to the center of a forest … it feels escapist, it feels luxurious and it looks amazing. If you brought lots of plastic or man-made materials into this environment, it would just be wrong.”

The unique characteristics of the sought-after cedar allow it to weather into a gorgeous silver patina even as it resists rot, decay and insects. Further, the durable wood is a dream to work with because it’s lightweight, lays flat, stays straight and is free of pitch and resin. Bonus: The forests harvested for the wood are carefully and sustainably replanted.

Dreaming of a private, well-appointed outdoor space where your family and guests can relax while enjoying nature? Consider how these other suggestions might also help put those wheels in motion.

* Cover your bases: Make your space easier to use through the seasons by adding a gazebo, pergola, pavilion or three-season porch that can protect you, your guests and your furnishings from sun or rain. Consider draping curtains or netting that can be pulled back at will, allowing greater privacy and/or protection from bugs. Ideally, your new oasis will merge the best of both worlds, bringing the comforts of home outside while still offering the benefits of fresh air, fragrant breezes, sunshine, birdsong and positive interactions with flora and fauna.

* Eat, drink and be merry: The old adage about guests gravitating toward the room that has the food? It’s absolutely true, and incorporating cooking into your outdoor haven can lend a fun and informal entertaining element that just can’t be replicated indoors. Options for equipment include grills, smokers, pizza ovens, fireplaces, bars or full kitchen set-ups with ovens, sinks, refrigerators and prep areas. Make sure to choose weather-resistant finishes for everything, install effective lighting and make sure you have plenty of comfortable seating for foodie friends.

McCallister notes on his show how rewarding it can feel to transform unused outdoor areas into havens of fun and relaxation, “transforming dead space into valuable life space.” That same feeling can be achieved by do-it-yourselfers who embark on their own outdoor projects.

“Outdoor patio spaces have sure changed in the last few years with the onset of new outdoor materials, furnishings, fixtures … and the homeowner’s desire for more outdoor living and entertaining space,” notes Audra Slinkey in a recent report by the National Association of Realtors. “Today’s yards are multi-functional and serve to entertain, lounge and maximize lot square footage.”

It’s beautiful, it’s practical and it’s easy to use. Western Red Cedar can be an ideal building material for your next home improvement project. For more information about the building material and its guest appearance on “Colin and Justin’s Home Heist,” check out RealCedar.com.


Silent destroyers: Tips to spot termites and prevent infestation

2018-03-17T09:48:09

(BPT) – There are many reasons that termites have gained the nickname “silent destroyers.” Five billion reasons, in fact.

Termites cause more than $5 billion in property damage in the U.S. each year. If left unchecked, they can silently chew through the structural stability of a home, eating away at wood, flooring and even wallpaper. To make matters worse, the damage they leave behind is not typically covered by most homeowners’ insurance policies.

How to spot termites

Spring is prime time for termite populations as they emerge in search of new structures to invade. Termite explorers, referred to as swarmers, will look for hospitable homes, and are particularly attracted to structures that may have sustained damage from severe winter weather or have dead or decaying wood on the property. Once these swarmers have determined a home to be a good fit, it’s likely that they will settle in and begin a new colony, growing into a full-blown termite infestation over time.

Termite or flying ant?

Many people will see termite swarmers in homes during the spring and mistake them for flying ants; this can end up being a costly mistake. Winged termites have a straight waist, straight antennae and their wings are equal in size. Flying ants, on the other hand, have waists that are pinched in the middle, bent antennae and two sets of wings, with the top set being larger than the lower. Termites are also most likely to swarm in the spring, while flying ants may swarm at various times of the year.

It is not always possible for an untrained eye to spot evidence of termites, but homeowners should keep a look-out for a few key signs that can help them identify a termite infestation.

Other signs of infestation

Mud tubes — Subterranean termites, the most destructive termite species, build mud tubes to provide moisture while they travel between their colony and food source. Mud tubes are most often found near the home’s foundation.

Wood damage — Termites tend to eat wood from the inside out, so wood that sounds hollow when tapped often signifies a termite infestation. Homeowners should also look for blistering pieces of wood.

Frass — Drywood termites produce wood-colored droppings as they eat through infested wood. If a homeowner finds a small pile of what looks like pellets inside or outside the home, it could be a sign of a drywood termite infestation.

It’s a good rule of thumb to have your home inspected for termites once every two to three years, and every year if you live in the south or in warmer climates. If termites are suspected, a pest control professional will be needed to eliminate the problem.

Top 10 termite prevention tips

The good news is that there are plenty of ways homeowners can help protect against termites, while in turn, protecting their greatest investment — their home. The National Pest Management Association (NPMA) offers this termite advice:

* Eliminate or reduce moisture in and around the home, which termites need in order to thrive.

* Repair leaking faucets, water pipes and exterior AC units.

* Repair fascia, soffits and rotted roof shingles.

* Replace weather stripping and loose mortar around basement foundation and windows.

* Divert water away from the house through properly functioning downspouts, gutters and splash blocks.

* Routinely inspect the foundation of a home for signs of mud tubes (used by termites to reach a food source), and wood that sounds hollow when tapped.

* Monitor all exterior areas of wood, including windows, doorframes and skirting boards for any noticeable changes. Remove dead trees and replace rotting wood.

* Maintain an 18-inch gap between soil or mulch and any wood portions of your home.

* Consider scheduling a professional inspection annually. Wood-boring insect damage is not covered by homeowners’ insurance policies.

* Store firewood at least 20 feet away from the house.

Termites cannot be controlled with do-it-yourself measures. If you suspect a termite infestation, contact a licensed pest control professional immediately to determine the extent of the problem and receive a recommendation of an appropriate course of treatment. To find a local, qualified pest professional, visit PestWorld.org.


Rabbits running rampant in your backyard? Smart tips to keep them at bay

2018-04-10T10:11:01

(BPT) – You may never see them. They sneak in silently once the sun goes down. They ravage your delicate garden and stunning landscape. If you do happen to catch a glimpse, they’ll run fast as lightning to safety so they can dine in your yard while you’re not around.

No, this isn’t a plot from some cinematic thriller; it’s a daily occurrence for homeowners with outdoor space. Rabbits can quickly take a toll on any size yard, and can easily climb into raised beds and nibble away at your painstakingly planted container creations.

Wild rabbits have a big appetite and your garden and landscape is like a tempting, bottomless salad bar. And where there’s one, there’s more: The gestation period for a rabbit averages just 30 days. There’s factual truth behind that old saying, “multiplying like rabbits”!

You may enjoy bunnies in storybooks or even as domesticated pets, but wild rabbits can be a devastating problem for your yard. These four-legged foragers can eat your fabulous flowers and prized produce, literally overnight.

To protect your yard from rabbits, you first need to identify their presence. Because they often come out at dawn and sunset, you may rarely see them. According to the animal repellent experts at Bobbex, these are the top signs that you’ve got rabbits:

1. Plant damage low to the ground, often a few inches above the soil

2. A clean, 45-degree angled cut on the end of stems and leaves

3. Woody plants debarked up to 16 inches from the ground

4. Piles of rabbit droppings (dark pea-sized pellets)

5. Tracks: Wild rabbits have five toes on their front feet and four toes on their much longer hind feet.

Check, check, and re-check. If you do catch a glimpse of the furry intruder, you may be able to identify the most common wild rabbit species. Cottontails are common throughout North America, identified by their short tail that resembles a tuft of cotton. Snowshoes are typically found in rocky, mountainous terrain and are identified by their large feet with white fur during winter and rusty brown fur during warmer months. Finally, the speedy jackrabbit is found in the Western U.S. and is known for its incredibly long ears and powerful hind legs.

Once you know you have rabbits ravaging your yard, it’s time to take action. There are a few ways to safely repel them before the damage is done.

Step 1: Build and bury barriers

Fencing can be an effective way to keep rabbits at bay. If you’re targeting rabbits, the fence only needs to be 3 feet tall as they are unlikely to jump over it. However, you’ll have to bury the fence underground since rabbits are experts at burrowing up to a foot below the surface to access a tasty food source.

Step 2: Repel and remove temptation

Bobbex-R Repellent is all natural, environmentally friendly and proven effective at protecting ornamental plantings from small, four-legged garden critters such as rabbits. Usable in any weather, it won’t burn plants or wash off. Use it as a bulb dip to deter underground damage or spray it at the mouth of burrows to prevent animals from re-entering. It’s safe for humans, pets, birds and aquatic life.

Step 3: Remove the creature’s comforts

Many homeowners are surprised to find rabbits have made a home under stairs or in a shed. If you don’t want rabbits nesting and raising families in your yard, remove brush and other debris that could provide them easy shelter and spray a repellent in those areas to maintain rabbit-free hiding places.

These three simple steps will help you safely repel rabbits so you can fully enjoy the beauty and bounty of your outdoor space.

To learn more, visit www.bobbex.com where you’ll also find repellents for other common wild foragers such as deer. Try Bobbex Deer, compared to nine other repellents in category, it was rated 93 percent effective, second only to a fence at 100 percent.


Boost home office productivity with a pre-holiday freshening

2016-10-26T10:25:00

(BPT) – You engaged in spring cleaning and organization earlier this year, but with the holidays approaching, your home office could probably stand a bit of freshening up. Fall is the perfect time to make sure your office is a well-equipped and appealing workspace that boosts your efficiency and productivity.

The home office experts at Staples offer tips to refresh your office this autumn:

Improve organization

Does it seem like all the paperwork, junk mail and other useless stuff you cleared out in spring has found its way back to your office this fall? What are you going to do when holiday clutter starts to add up, too? It’s time to take another pass at organizing your office.

Redoing everything might not be practical, but it also might not be necessary. The desk is often the nexus of chaos in any home office, but it’s also the spot where most of your work gets done. Treat yourself to an array of desktop decluttering devices such as:

* All-in-one organizers merge file holders, paper trays, and storage compartments in a single, compact desktop display.

* Desk organizers that can hold files, reference materials and supplies.

* Letter sorters which allow you to prioritize incoming and outgoing mail, so you never miss a bill payment or request for proposal.

* Pencil cups are the simplest way to ensure you’re never hunting for a pen or pencil under a mound of paperwork while a client waits on the phone.

* Storage boxes are great for hiding supplies that you don’t need to use or see all the time.

Staples offers an array of desktop organizers, including the ZigZag suite of desktop products that include the All-in-One White ZigZag Desk Organizer, the White ZigZag Letter Sorter and the White Zigzag Storage Box. Visit www.staples.com to find more organization products.

Boost security

Bills, invoices and emails, attachments and downloads — a lot of valuable data will move through your home office during the holidays. It’s important to secure information and your home office hardware and software.

Make sure your anti-virus and firewall software are up to date. If you’re not sure, consider scheduling an appointment with a technician who can assess the security of your technology. Most security software providers now allow you to enroll in an automatic renewal program so that your protection never lapses.

Don’t overlook the importance of securing more mundane threats, like paperwork that contains proprietary information. If you don’t already have one, invest in a high-quality shredder, like the Staples 15-Sheet Cross-Cut Shredder, and be sure to shred paperwork before discarding it. Old invoices, bills, customer records and even junk mail can all be a source of valuable information for criminals.

Care for your comfort

You spend a lot of time in your home office, and if the holidays are a busy season for you, you’ll likely be at your desk for extended periods. It’s important that your workspace cares for your comfort as much as facilitates productivity — and that means having good office furniture.

It may not be practical to replace a less-than-perfect desk when the holidays are bearing down on you, but swapping out your old office chair for something newer, better looking and more comfortable is an easy fix. It’s also a cost-effective way to make your home office a more productive place.

Be sure to test drive multiple chairs before choosing one. Resources like Staples have plenty of floor models for you to try before you buy. Whether you prefer light and ergonomic, like the Staples Professional Series 1500TM Mesh Chair available in a range of colors, or a more traditional look, such as the Turcotte Luxura High Back Office Chair in basic black, you can find a new chair that will give your office a whole new feeling.


Be wary of adult bullying and know where to turn if you are being targeted

2018-02-02T09:37:00

(BPT) – When you hear the word bully, you probably think of the big kid waiting in the school yard to steal your lunch money. However, bullies aren’t left behind when you move into adulthood.

Not by a long shot.

According to a recent Harris Poll, conducted on behalf of the American Osteopathic Association, 31 percent of Americans say they have been bullied as an adult. Bullying is defined as repeated, negative behavior intended to harm or intimidate, and it frequently happens at work.

Dealing with challenging people in the workplace is a common occurrence but sometimes these interactions can be more than just unfriendly. Before you know it an interaction can turn demeaning, confrontational or even hostile. The stress caused by these encounters rarely stays at work either. It can spill over into your home life, affecting your family interactions, sleep and well-being. You may not realize it at the time, but if you’ve experienced such encounters regularly, then you are being bullied.

The negative health effects of bullying

Those who are bullied can suffer myriad negative physical and mental health effects. For example, the survey revealed respondents had suffered from one or more of the following:

* Stress (71 percent)
* Anxiety/depression (70 percent)
* Loss of confidence (55 percent)
* Sleep loss (39 percent)
* Headaches (26 percent)
* Muscle tension and pain (22 percent)
* A mental breakdown (19 percent)
* An inability to function on a day-to-day basis (17 percent)

The many faces of the problem

Identifying bullying behavior is the first step toward correcting the problem. However, bullying is not always as easy to spot as you might think. The abuse can take the form of “the silent treatment” in which a group or an individual willfully ignores or disregards another person. Victims may also be targeted by lies or rumors that harm their reputation.

Bullying can even take on a more subtle form of manipulation known as gaslighting. This tactic sees the bully undermine their victim’s confidence and make them start to question their own memory, judgment and reality.

Any of these bullying tactics can make it difficult for an individual to acknowledge that they are a victim. You may try to ignore it or think it’s “just part of work.” It’s not. The threat is very real and, in many cases, you need outside help.

A full treatment

Bullying can be more than just mentally harmful; it can damage your physical health as well. Bullying victims report suffering gastrointestinal discomfort, nausea and high blood pressure. Treating physical issues as well as the emotional damage brought on by bullying requires the ability to care for the whole person in a way that goes beyond the surface symptoms. This is precisely what doctors of osteopathic medicine (DOs) are trained to do.

Osteopathic medicine is based on the philosophy of supporting the health of the whole person by focusing on wellness and prevention. DOs believe the mind, body and emotional status all contribute to a patient’s health and each should be treated as the vital component it is. DOs are trained to listen, so if you feel you’re the victim of bullying, talk to a physician or mental health specialist about your treatment options today.

The potential threats to your health are simply too important to ignore.


The Merchant Bill of Rights seeks to level the playing field for small businesses

2018-03-01T15:38:11

(BPT) – Consumers who make just a few purchases each day may not think much about the companies that process their credit card. But for a small or mid-sized business, processors who aren’t transparent about the costs they pass on can add up to an expensive headache. Heartland is celebrating 10 years of the Merchant Bill of Rights as an industry standard to promote fair card processing practices.

Its purpose: to enable merchants who don’t have the resources of large purchasing organizations to effectively manage their costs, determine which processor best meets their needs and realize significant savings.

1. The right to know the fee of every card transaction, who is charging it, and if there are surcharges and bill-backs.

Owners or operators of a small or mid-sized business deserve — and should expect — competitive pricing and the best value for payments processing including credit, debit and prepaid card processing.

Many processors and their middlemen hide arbitrary charges — often classified as “surcharges” — without disclosing them to merchants. These charges are pure profit to processors and their middlemen, making transactions that are already expensive even more costly.

2. The right to know the markup of major credit card fee increases and reductions.

Credit card companies typically adjust interchange rate categories and fees semi-annually in April and October. When rates go up, many processors seize the opportunity to inflate them even more and then deceptively blame the increase on the card brands.

3. The right to know all transaction middlemen, and have reasonable equipment costs.

The chain of events that begins when a merchant swipes a customer’s card is fairly straightforward. At minimum, it requires four essential entities to process the transaction: a bank, a credit card brand, a telephone or internet connection and a processor.

When big companies buy equipment, they often solicit proposals from multiple equipment manufacturers to drive the best deal. Owners of a small or mid-sized business may not have the time or resources to shop around for a payment device, and oftentimes turn to their processor for guidance. However, they may not be getting the deal they’ve bargained for — and most likely don’t know it.

4. The right to real-time, dedicated, live service 24/7/365.

Service and support are critical factors in implementing and maintaining a card acceptance program. Unlike national merchants, small local businesses may lack the resources needed to ensure proper training, ongoing support and the best available rates.

With most Americans relying on credit and debit cards for their purchases, one minor problem that prevents or delays the processing of transactions at the point of sale can have devastating effects. Combine the ripple effect of customer dissatisfaction with lost revenue, and it’s easy to see why live customer support 24 hours a day, 7 days a week, 365 days a year is mission critical for all merchants.

5. The right to encrypted card numbers, secure transactions and real-time fraud and transaction monitoring.

Credit and debit card fraud costs American businesses billions of dollars every year. Thieves work overtime to find ways to steal from merchants. Often disgruntled or dishonest employees — even some customers — are masters at making money the illegal way, and not getting caught.

For more information, to share stories about dishonest business practices or scams, or to ask a question, visit MerchantBillofRights.org.


US agricultural trade helps feed the world while strengthening the economy

2018-03-19T12:01:00

(BPT) – Politicians spend a lot of time talking about America-First trade deals. Even though the average person may not think about U.S. trade often, it’s a key part of the economy — a topic that’s on everyone’s mind.

In 2017 alone, the U.S. exported around $132 billion worth of agricultural products. As experts hope to grow this number in 2018, possible trade deals could become big news.

The future of U.S. trading

Economists and agricultural experts want U.S. trade to remain strong, so that exports are equal to or more than what they were last year. However, the complexities of selling U.S. commodities internationally constantly increases.

Companies like Syngenta are working to grow agricultural trade to help Americans feed the world and build a stronger economy at home. Many agricultural associations and Syngenta employees work every day with foreign countries to develop positive relationships and a preference for U.S. commodities.

American farmers are the most efficient in the world, says Laura Peterson, federal government and industry relations head for Syngenta. “We rely on export markets for our products, and with prices as low as they are, now is an important time to protect and grow our markets,” she says. “We are able to produce far more than we consume and compete in a world of high supply, so remaining competitive is crucial for U.S. agriculture.”

Top U.S. agricultural exports

Corn, soybeans and nuts make up three of the top five agricultural exports from the U.S. There is a lot to know about these foods, including the following fascinating facts:

* Corn: One planted seed delivers more than 500 kernels of corn. Corn is widely grown around the globe, with more tons produced each year than any other grain.

* Soybeans: Soybeans are the largest source of protein in agriculture. They are also used to make a variety of nonfood products, including crayons, candles and haircare products. The U.S. exports about half of all its soybeans to other countries.

* Nuts: Nuts are wholesome and versatile. From using nuts in spreads and oils to snacking on roasted varieties, people, domestically and internationally, enjoy them every day. In December 2017 alone, the U.S. exported $936 million worth of nuts.

Negotiating trade agreements

Free trade agreements beneficial to agriculture can boost the marketability of U.S. crops like corn, soybeans and nuts even more overseas. One prime example of this is NAFTA (North American Free Trade Agreement).

“Syngenta remains engaged with U.S. government officials to monitor impacts in renegotiations and trade-dispute actions,” Peterson says. “The current threat of trade wars or withdrawing from trade agreements may harm agriculture.”

“We partner with groups such as BIO (Biotechnology Innovation Organization), U.S. Grains Council and national grower organizations to advocate on common issues that impact our interests,” Peterson says. “This collaboration and outreach is necessary to address uncertainty in markets and to grow our agriculture economy.”

Learn more about agriculture’s future

With so much going on in 2018, it’s likely more news headlines will be dedicated to the important topic of U.S. trade. To learn more about U.S. agriculture, including crop research and trade negotiations, visit http://www.syngenta-us.com/thrive.


Retirement readiness: Hitting the retirement preparation sweet spot

2017-12-22T06:01:00

(BPT) – A recent study by the Center for Retirement Research (CRR) at Boston College suggests an alarming state of awareness about retirement readiness: Of surveyed households, 33 percent realize they are not well prepared, 19 percent are not well prepared but don’t know it, and 24 percent are well prepared but don’t know it.

For the Americans at risk of not being able to maintain an adequate retirement lifestyle, it’s critical to take action. For the households that are well prepared and don’t know it, they risk sacrificing a comfortable retirement. Understanding the behaviors associated with good retirement planning, in turn, can help you get a better sense of where you stand. Consider the following behaviors, which are more likely to be modeled by those who are well prepared for retirement.

Asset accumulation

A high-level approach to ensuring adequate retirement assets is to save a minimum of 10 percent of your gross income each year. You may need to save even more depending on your asset accumulation goals and how many years you have left to save before retirement.

If you would rather have a dollar goal, multiply your annual income goal by 25 to arrive at the amount you should try to save. For example, if after considering Social Security and any pension payment, you want $30,000 more of annual income in retirement, you will need to save $750,000. Lower goals mean you need to withdraw at a faster rate and increase the risk you will deplete your assets too soon.

Budgeting

Not all budgets need to detail specific spending items. Rather, you can consider yourself working within a budget if you know that each year you are saving and not creating new debt (and paying off legacy debt for your education or home). If you want to squeeze out more savings, a line-by-line review of spending may well be fruitful.

Personal debt

Many of us are saddled with personal debt from college and graduate school. This debt has become so burdensome that the customary progression to home ownership has been delayed for many. The debt has also had a domino effect on the ability to save for retirement. Paying down personal debt should be job one. Other personal debt, such as for a car purchase, should be avoided, minimized or paid down as quickly as possible. Credit card debt, which carries high interest rates, should be avoided entirely. Remember, each dollar of debt limits your ability to save for the future.

Mortgage debt

It used to be commonly accepted that you pay off your mortgage before retirement, but more and more retirees are entering retirement with mortgage debt. The old rule remains the best approach, since any indebtedness in retirement will limit your ability to react and adjust to poor investment return on your assets.

Social Security

With traditional pension plans less commonly offered by employers, Social Security has become an even more important source of guaranteed lifetime retirement income. By waiting to age 70, you can increase the benefit payment significantly, which is also the base for annual Social Security cost-of-living increases for the rest of your life. That increased Social Security benefit may also increase the benefit that a surviving spouse will receive after you die. Unless you have a health care issue that could reduce your life expectancy and no spouse who might need a spousal benefit based on your earnings record, claiming Social Security early is the greatest retirement planning mistake made.

Health care

Health care is the single greatest cost in retirement, and various studies estimate the cost to be $250,000 or more for a healthy 65-year-old couple. The cost of health care will be even greater to the extent one retires before age 65 and Medicare eligibility. Moreover, health care costs can vary and may come sooner than expected. The best plan, then, is to work until at least age 65 and understand that health care is a unique challenge in retirement. To the extent possible, utilize Health Savings Accounts and bank any unused amounts annually to build up a tax-free health care fund for retirement.

Income planning

No later than 10 years before your planned retirement, you should be translating your retirement assets into an annual or monthly retirement income stream. Start with your Social Security and any pension plan payments as your income base, and then consider how much income your other assets can safely generate. Depending on this analysis, you may want to consider purchasing an annuity to make more of your retirement income guaranteed and avoid the twin risks of poor investment return and living longer than expected.

Consider also that many of your retirement assets have an embedded tax liability. You will need to look through your retirement assets to determine after-tax income, since your food, rent and cable bills are paid with after-tax money. Only by seeing your after-tax income can you decide if you have enough to live on.

Annual financial wellness check-ups

During your early working years, you are likely to be focused on debt reduction and asset accumulation. As you get closer to retirement, you will need to focus on the strategies associated with Social Security, health care and income generation. At all times you should annually revisit your goals and make adjustments, as needed, to how much and where you are saving, how much you are spending, how aggressively you are investing, and when your target retirement date is.

Modeling such behaviors will make it more likely you will be well prepared for retirement. By doing so you will also make it more likely that you are properly assessing the state of your retirement readiness and not over- or underestimating your financial health.