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Extension in the News

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									UGA Cooperative Extension
Talbot County                                                                              Telephone (706) 665-3230
P.O. Box 127                                   Cooperative Extension                             Fax (706) 665-2249
Talbotton, GA 31827              College of Agriculture and Environmental Sciences               Uge2263@uga.edu
                                          & Family and Consumer Sciences

Talbot County July - August 2009    Issue 5




Extension in the News
Welcome!
Remember to smile at someone
today. Its takes more muscles                                     Happy 4th of July
to make a frown than it takes
to smile. And,..they are free.


  IN THIS ISSUE:
           ANR News - Fire Ant Control
           Diabetic Support Workshop
           Green Cleaning
           Recipes
           Nutrition
           Puzzle
           Safety
           Tips


                        HEALTHY LIVING Diabetic Support Group
      Diabetic Support Group workshops are held the second Tuesday of each month. Up
    coming meetings are July 14, 2009, August 11, 2009. We will help you to start living
  better by eating healthier. Please call us @ (706) 665-3230 to sign up or come by our
    office The UGA Cooperative Extension, 401 S. Washington Ave., Talbotton, GA.
                                           31827
  Please visit our web site www.ugaextension.com/talbot/ or call (706) 665-3230 for
  more information. Contributors: Helen Williams, Martha Roelkey, Lakita Seldon,
  Bobby Solomon.
                                                Learning for Life
                  Agriculture and Natural Resources – Family and Consumer Sciences – 4-H Youth
                                                ugaextension.com
                              An Equal Opportunity / Affirmative Action Institution                                   1
RENTERS INSURANCE: DON’T BE CAUGHT WITHOUT IT
If you rent your home instead of owning it, you don’t need insurance,
right? Wrong. You may think that you are covered by your landlord’s
insurance policy, but this is simply not the case. In the case of theft or
other peril, or even personal liability, you as the renter would bear
the responsibility.

Whether you rent an apartment, a house, or a room in a university
dorm room, you should have some form of insurance that protects you.
A landlord’s insurance merely covers the building that you are renting.
Renters insurance can cover personal belongings as well as personal liability.

When shopping for renters insurance, make sure you know what is included in the
policy. Most of them spell out instances in which you would be covered. Additional or
customized coverage is usually available for specific situations not included in the
standard policy. Some renters insurance even covers your belongings when you are
away from your home, so if your suitcase is stolen on vacation, you are still covered.

It is very important, too, that your policy protect against personal liability. In the event
that someone is hurt in your rented space, you want to make sure that medical bills and
maybe even legal fees are covered. Also, don’t forget to know the amount of your
deductible as well as the limits of your policy (maximum payout, caps, etc.).

Renters insurance is available in two different ways. Actual cash value coverage pays
the current amount that it would cost to replace your property minus depreciation while
replacement cost coverage pays the full amount to replace your property. Replacement
cost coverage only applies if you actually replace the damaged property, and there are
usually some limits. For obvious reasons, replacement cost coverage policies are
usually more expensive.

“The National Association of Insurance Commissioners says basic renters insurance
averages less than $350 per year depending on the location and size of the rental unit
and the policyholder’s possessions.” Many insurance companies even offer discounted
rates to those who have other types of insurance with them (multiple policy discounts).
Don’t wait until it is too late; renters insurance is just as important as any other type of
insurance.




                                   Upcoming Holidays:
                             July 4 – Independence Day
                   August – National Immunization Awareness Month
                      August – National Women’s Health Month

                                                                                               2
Fire Ants…The Pest You Love to Hate
Submitted by Bobby Solomon, Talbot County CEA

  Whether enjoying an afternoon picnic, or just working in your garden, fire
ants can be a nuisance for you. These small pests invade our space with
their dome shape mounds that can be found in lawns, pastures, cropped
fields and unused cropland. Fire ants spread through flight. Most of the flights occur during
late spring and summer. However, some have been observed year round. Fire ants may be
a problem for most people because their sting results in itching and burning that most often
develops into a white pustule. Yet, fire ants can be beneficial to farmers. These ants feed on
pest of cotton.
  Think about treatment. Treatment should occur on overcast days when the temperature is
between 65 degrees and 90 degrees and when ants are actively foraging for food. For an
application to be effective, it needs to be dry at least 24 hours after application.
  There are two methods of application to consider here. These include mound drenches and
broadcast bait. Broadcasting is much more effective and cost efficient than spot treating
mounds with contact insecticide. If you want quick results, use Amdro B. Other baits include
Award, Ascend, Distance Fire Ant Bait, Extinguish, Firestar Fire Ant Bait, Pennington Fire Ant
Bait, Over ‘N’ Out and Talstar. All baits except for Over ‘N’ Out should be applied at 1 – 1 ½
lbs per acre. Over ‘N’ Out should be applied at 2 lbs. per 1000 ft².
  Individual mounds treatment include Orthene TTO (liquid form) at 1 ½ Tbs. or
Sevin 50 WP at 4 ozs. for every 1000 ft² of lawn. Mix with 2 gallons of water. Sprinkle the
entire amount on and around one mound. Do not disturb mound during treatment.
Orthene TTO (dust) can be dusted evenly over the top of the mound at 2 tsp/mound. Do not
water in.
  Fire ants can ruin a good time outdoors for anyone. Begin a treatment program to manage
fire ants and have one less thing to worry about this spring and summer.
For more information on the treatment of fire ants, contact Bobby Solomon at (706) 665-3230
or email me at solomob@fvsu.edu.

Swimming Pool Safety Starts with You!
With summer here, adults and children will be spending a lot of time
at public and private pools. You need to remember to practice safety
ALWAYS. Every year, about 300 children under the age of five
drown in residential and public pools. Emergency-room treatment or
hospitalization number in the thousands and some victims experience permanent disability,
including brain damage. Do not swim alone and always have adult supervision present while
children are swimming.

Have a safe summer!

                                                                                             3
CREDIT CARDS: PAY ATTENTION OR PAY MORE

The mortgage crisis and other problems in the financial services
sector are leading many credit card companies to change terms
in an attempt to make up for lost revenue. Even cardholders
with pristine credit reports and high credit scores need to pay
attention. Consumers with less than stellar credit are especially vulnerable.
 Credit card companies are raising interest rates. The average Annual Percentage Rate
(APR) varies from month to month, and is around 12 to 14 percent with averages
ranging from 11 percent for variable rate cards to 13 percent for cash back cards. Credit
card holders that have been late with payments or over the credit limit could pay 32
percent or more.
 Some credit card companies are lowering credit limits and closing unused accounts. If
you carry a balance on your credit card and a credit card company lowers your credit
limit or closes an account, your credit score will drop since you are using a greater
portion of your available credit. If you go over your limit, you will pay an over-the-limit
fee of $36 or more.
 Late fees now average over $35, and more people are paying them. Late payments
and going over your credit limit will also trigger penalty rates, negatively impact your
credit score, and in many cases, impact the APR you will pay for other credit cards you
have in your wallet.
Credit card holders need to pay attention or they will likely end up paying more. To
guard against rising costs, you should:

   •   Pay bills on time
   •   Pay down debt
   •   Read your mail
   •   Shop carefully for new credit cards. Read the small print very carefully.
   •   Negotiate. If you feel your credit card company has treated you unfairly, contact
       the lender.
   •   Complain. Submit your complaint in writing to the Division of Consumer and
       Community Affairs, Board of Governors of the Federal Reserve, Washington, DC
       20551. Be sure to describe what you are complaining about, including the name
       and address of the bank.

For more information please contact Helen Williams at the Talbot County Cooperative
Extension office at (706) 665-3230.


                                                                                              4
                                                         PUZZLE

APPETITE                           D V M N Z C A L O R I E N I H
CALORIE                             T I H G D R M S C Y G I Z C A
CARBOHYDRATE
                                    I T M N I C D N Z K E D A B L
FAT
FISH                               V A D A P P E T I T E R W A L
FRUIT                              R M L F R U I T O T B Y R Z F
GRAIN                              H I D M       A   Y   U   R   A   O   T   E   S   I   R
HEALTHY
HUNGER                             E N W U       V   T   P   R   H   G   N   T   H   F   I
MINERAL                            A D J I       U   F   U   Y   N   I   N   R   S   E   G
MYPYRAMID                          L X K D       O   T   D   V   M   E   E   T   I   B   K
NUTRIENTS
NUTRITION                           T A F O A R P D              I   T M D F J           I
PROTEIN                            H U N S A T U R A T E D Q O Z
SATURATED                          Y N D T P C T W V D Q C H K N
SODIUM
UNSATURATED                        W P E S P U C J Z R E G N U H
VITAMIN                            O Z N K N U T R I T I O N C L
WATER
                                   Y V V F C D G R A I N K F L X




FUN IN THE SUN
• The first, and best, line of defense against the sun is
covering up. Wear a hat with a three-inch brim or a bill facing
forward, sunglasses (look for sunglasses that block 99-100%
of ultraviolet rays), and cotton clothing with a tight weave.
• Stay in the shade whenever possible, and limit sun
exposure during the peak intensity hours - between 10 a.m.
and 4 p.m.
• Use a sunscreen with an SPF of 15 or greater. Be sure to apply enough sunscreen -
about one ounce per sitting for a young adult.
• Reapply sunscreen every two hours, or after swimming or sweating.
Babies under 6 months:
• The two main recommendations from the AAP to prevent sunburn are to avoid sun
exposure, and dress infants in lightweight long pants, long-sleeved shirts, and brimmed
hats that shade the neck to prevent sunburn.
For Young Children:
• Apply sunscreen at least 30 minutes before going outside, and use sunscreen even on
cloudy days. The SPF should be at least 15 and protect against UVA and UVB rays.



                                                                                             5
Bar-B-Cue Baked Beans
1lb      Ground Turkey
1/3 cup Fat Free Bar-b-cue Sauce
1/3cup   Splenda Brown Sugar
½ cup    Diced Green Pepper
½ cup    Diced Onions
2 (15oz) Cans Baked Beans

Directions: Brown Ground Turkey drain off liquid. In a casserole dish mix
bar-b-cue sauce, brown sugar, green pepper, onions, and baked beans. Pre-heat oven on
350 degrees place beans in the oven for 30 minutes.


Healthy Potato Salad
¼ cup Fat Free Mayonnaise
4 cups Diced Boiled Potatoes
6 cups Hard Boiled Eggs Diced
1 med Onion Diced
¼ cup Sweet relish
1tsp Mustard
½ cup Fat Free Sour Cream
2tbsp Pimentos
½ cup Diced Bell Peppers

Directions: Boil potatoes until tender when there done turn off heat let cool. While potatoes
are cooling mix eggs, mayonnaise, onions sweet relish, mustard, sour cream, pimentos,
and bell peppers. Add potatoes to mixture once they have cooled. Enjoy now or chill for
later.


Ten Tips for Grilling With Care

1.  Prepare a safe grilling space.
2.  Clean the grilling surface thoroughly before cooking.
3.  Heat the grill before adding food.
4.  If you use charcoal, let the starter fluid burn off before putting
    food on the grill
5. Completely defrost meat before grilling so that it cooks
    evenly.
6. Heat foods first that require long cooking times.
7. Never mix uncooked meats with cooked ones.
8. Marinate food, and do it in the refrigerator rather than on the counter.
9. Avoid fire flare-ups by using lean meats and meat trimmed of visible fat.
10. Cook meats until no longer pink on the inside.

                                                                                            6
Green Cleaning - Recipes for a Healthy Home
Recipes for green cleaners around the house that use natural ingredients but still get the job
done!


 FLOOR CLEANER                    ALL-PURPOSE                           DISINFECTANT
 For greasy, no-wax floors:       CLEANER                               2 tbsp. borax
 1 cup white vinegar              3 tbsp. white vinegar                 ¼ cup vinegar
 ¼ cup washing soda               ½ tsp. washing soda                   2 cups hot water
 1 tablespoon vegetable oil-      ½ tsp. vegetable oil                  Combine the borax
 based liquid soap                based liquid soap                     and vinegar with the
 2 gallons hot water              2 cups hot water                      water in a spray
 Combine all ingredients,         Mix ingredients in                    bottle. Use as you
 stirring well to dissolve the    spray bottle or bucket.               would any
 washing soda. Mop as             Apply and wipe clean.                 commercial all-
 usual.                                                                 purpose cleaner.


   FURNITURE POLISH               NO-STREAK GLASS
                                  CLEANER                            WOOD CLEANER
                                  ¼ cup white vinegar 1              2 tbsp. boiled linseed oil
                                  tbsp. cornstarch 1 quart           2 tpsp. white vinegar ¼
                                  warm water                         cup lemon juice
                                  Mix the ingredients and            Mix ingredients. Using a
                                  apply with a sponge or             soft cloth, rub into the
   1 lemon                                                           wood, in the direction of
                                  pour into spray bottle
   1 teaspoon olive oil                                              the grain.
                                  and spray on. For lint-
   (least expensive)
                                  free results, wipe dry
   1 teaspoon water
                                  with crumpled
   This polish should to
                                  newspaper, buff to a
   be made fresh each
                                  shine.
                                                              WHERE TO FIND
   time you use it.                                           INGREDIENTS:
   Extract the juice from                                     washing soda (sodium
   the lemon. Mix with oil                                    carbonate) • available in the
   and water. Apply a                                         laundry aisle of the grocery
   thin coat on your                                          store
   wood surface and let                                       borax (sodium borate) •
   sit for 5 minutes. Use                                     available in the laundry aisle of
   a soft cloth to buff to a                                  the grocery store
   deep shine.                                                vegetable oil based liquid
                                                              soap (common name: castile
                                                              soap) • available in health food
                                                              and natural food stores
  ** For more “Green Cleaning”                                essential oils • available in
recipes please contact the Talbot                             health food and natural food
     County Extension Office                                  stores
                                                              boiled linseed oil • available
         at (706) 665-3230                                    in the paint section of
                                                              hardware stores
                                                                                                  7
             Puzzle Answer Key
                                                                Reminder: Please Remember
                                                                  to Practice Proper Hand
                                                                          Washing
                                                                Washing hands is the most
                                                                important thing you can do and it
                                                                is the easiest thing you can do to
                                                                help protect your family. Germs
                                               cause staph infections, colds and flu. Wash
                                               hands with soap under warm running water for at
                                               least 20 seconds. Rinse well and dry with a paper
                                               towel or air dryer. Use a paper towel to turn off
                                               water. Practice washing hands several times
                                               during food preparation to avoid cross
                                               contamination. Use hand sanitizers or wipes
                                               when water and soap are not available.




For more information or questions regarding articles in this publication, please contact the UGA
Cooperative Extension office at (706) 665-3230.




 The UGA Cooperative Extension
 Talbot County
 P.O Box 127
 Talbotton, GA 31827




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