Percussion and drum circles – a great activity for children

submitted by Ron Seidman, VP/GM, A Child’s World

Yes, when the tree falls in the woods it makes a sound, even if there is no one there to hear it. Before man ever put a percussive foot to the earth, herds of animals were making thunderous percussive sound, as they ran across the plain. Percussion or the crashing of one object against another is the oldest and most primitive of sounds and of music.

Because it is primitive it is one of the first areas of the brain to be developed. Babies love to bang things. They love a rattle toy, which is just a maraca, a primitive and basic instrument.

Even if you don’t realize it, this is introducing your child to music, rhythm, and communications.

While it was very difficult on the vocal chords to make a call prior to the invention of the telephone, ancient tribes used hollowed out logs or stretched an animal skin over a hollow log or pottery to create drums which was actually the first method of long distance calling.

Everything makes a sound. I am a percussionist and have spent my life banging on things. One doesn’t have to be an expert to understand this concept and to teach it to early learners that can meaningful and fun.

How many different sounds can you make by clapping different parts of your hand palm? The density, in various parts of the hand palm, will create a different sound.

If you clap your hand with two fingers it will make a different sound than if you clap with four fingers. Try it yourself by clapping four quick times with two fingers and then four quick times with four fingers. Repeat that for 30 to 60 seconds and I’ll bet you find it fun.

Have one group of children clap a number of times with two fingers and then stop and have another group answer back with four fingers clapping and you have created a drum circle. Do it with made up beats or to a straight four cadence.

Drum circles are when humans of any age gather to play percussive musical games and are a great activity for children and adults.

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Ponds, fountains and falls

submitted by Anthony Roccia, AJR Premier Pond Design

Let’s explain the basics of Water-Features!

What is a Water Garden/Pond?
A Water Garden is also known as a Pond and can be constructed large or small in size. Garden ponds have become increasingly popular in recent years. These gardens combine a collection of aquatic plants and ornamental fish. Fixed items such as rocks, fountains, streams and waterfalls can be combined with the water garden to add visual elegance to the landscape. Custom-built water gardens can bring memory making times with your family and beauty to your landscape. Just like each unique individual – no two water gardens are the same.

What is a Pondless Waterfall?
The ‘Pondless’ waterfall is perfect for any landscape and it is completely child-safe. This alternative water feature provides the creation of a waterfall and a stream without a pond.

What is a Fountain Scape?

Fountainscapes are small decorative water features consisting of stand-alone fountains, bubbling urns, spitters, and fountains that include an in-ground reservoir. With a large variety to select from these are easily incorporated into any landscape.

All of the water-features mentioned can be customized to your landscape.

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What are catch-up contributions?

submitted by Rosemary G. Caligiuri, CASL™, President, Harvest Group Financial Services

If you are 50 or older, or you will reach age 50 by the end of the year, you may be able to make contributions to your IRA or employer-sponsored retirement plan above the normal contribution limit. Catch-up contributions are designed to help you make up any retirement savings shortfall by bumping up the amount you can save in the years leading up to retirement.

Catch-up contributions can be made to traditional and Roth IRAs, as well as to 401(k) plans and certain other employer-sponsored retirement plans. But if you participate in an employer-sponsored retirement plan, check plan rules–not all plans allow catch-up contributions.

How much can you contribute as a catch-up contribution? It depends on the type of retirement plan you have and the tax year for which you are making the contribution.

Contribution limits for tax years 2012 and 2013:

401(k), 403(b), governmental 457(b) plans:*

  • $17,500 regular annual contribution limit for 2013 ($17,000 for 2012) and $5,500 catch-up contribution limit.

SIMPLE plans:

  • $12,000 regular annual contribution limit for 2013 ($11,500 for 2012) and $2,500 catch-up contribution limit.

Traditional and Roth IRAs:

  • $5,500 regular annual contribution limit for 2013 ($5,000 for 2012) and $1,000 catch-up contribution limit.

*403(b) and 457(b) plans also have special catch-up rules that may apply.

Registered representative offering securities and advisory services through Centaurus Financial Inc, a Registered Investment Advisor, Member FINRA & SIPC, Supervisory Branch: 3902 State Street, Suite 101, Santa Barbara, CA 93105,1-888-569-1982, Harvest Group Financial Services, Corp and Centaurus Financial, Inc Are Not Affiliated Companies. 

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It’s February, and I forgot to contribute to my IRA. Is it too late?

submitted by Rosemary G. Caligiuri, CASL™, President, Harvest Group Financial Services

The answer is no. Generally speaking, the IRS allows you to make your IRA contribution for a particular tax year up until April 15th of the following year. This rule applies to both traditional IRAs and Roth IRAs, giving you some flexibility in terms of the timing of your annual IRA contribution.

You can contribute an aggregate amount of $5,500 to all the IRAs you own in 2013 ($5,000 in 2012). In addition, if you’re age 50 or older, you can make an extra “catch-up” contribution of $1,000 a year in 2012 and 2013.

Note that you can make your annual IRA contribution in a series of payments rather than in one lump sum. For example, let’s say you want to invest the maximum amount in your IRA for 2013. You can either make a lump-sum contribution of $5,500, or you can set up a savings plan whereby you invest a fixed amount each month in your IRA.

Because you’re allowed to spread your 2013 IRA contribution over a 15½-month period (January 1st, 2013 through April 15th, 2014), you can invest as little as $354.83 per month and still end up contributing the full $5,500.

As always, I recommend investors consult with their own qualified tax and financial advisors prior to making any investment decisions.

Registered representative offering securities and advisory services through Centaurus Financial Inc., a registered investment advisor. Member FINRA and SIPC, Supervisory Branch: 3902 State Street, Suite 101, Santa Barbara, CA 93105, 1-888-569-1982. Harvest Group Financial Services and Centaurus Financial are not affiliated.

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How do I divest an annuity?

submitted by Rosemary G. Caligiuri, CASL™, President, Harvest Group Financial Services

You can cancel your annuity at any time. However, you may have to pay an early cancellation fee known as a surrender charge. The federal government will also penalize you if you cancel your annuity before you reach age 59½.

Your annuity contract should have its surrender charges explained in the contract itself. If you cancel the annuity before the date stipulated in the contract, you will be charged a fee that is a percentage of the withdrawn amount.

The surrender charge is usually reduced as the annuity gets older and typically ends after the first 10 years. For example, if you wish to cancel a contract that has been in effect for five years, the surrender charge will typically be a lower percentage than it would be if your contract has been in effect for only three years.

Insurance companies will usually allow you to withdraw a certain percentage, typically 10%, of your account annually without having to pay any surrender charge.

Besides the surrender charges that the insurance company imposes, the federal government may penalize you 10% of the earnings portion of the withdrawn amount if you cancel your annuity before you reach age 59½. In fact, the government will charge the same percentage on any amount you withdraw from your annuity before age 59½, to the extent the withdrawal represents untaxed earnings, even if you don’t cancel the contract.

So, before you cancel your annuity, speak to a trusted financial advisor to make sure you understand any surrender charges or governmental penalties you may incur.

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If I leave my company, can I take my life insurance policy with me?

submitted by Rosemary G. Caligiuri, CASL™, President, Harvest Group Financial Services

If you leave your company, you can often continue your life insurance coverage with the same insurance company. The group life insurance contract under which you are insured may have a conversion privilege available to all employees who are insured under the employer’s group plan.

A conversion privilege will be subject to certain conditions described in the master contract. Typically, these conversion rates are more expensive than an individual policy you could buy on your own if you are healthy.

You generally have 31 days from the day you leave your employer to submit an application. In most cases, you can apply for any kind of individual life insurance that the company offers.

The insurance company generally will not include any supplemental coverages, such as disability insurance, that may have been included with your group life coverage.

If you decide to convert to a permanent life insurance policy, the premium will be based on your current age and the same amount of insurance that your group policy provides. The premiums must be based on standard or regular rates.

No medical exam is generally required. This is especially important if you are not in good health when you leave employment.

Even if you don’t take advantage of a conversion privilege when you leave your company, your group life coverage generally continues for 31 days after your last day of work.

Check with your human resources manager or financial advisor.

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A chill is in the air

submitted by Gary Selleck, owner, C and C Family Roofing

Do you find yourself wondering why your house is so cold in the winter or why your air conditioning unit runs all day and doesn’t seem to be making a difference in the summer? Often this is a result of improper insulation in your attic.

The hot air from your heating system escapes through the inadequate insulation in your attic and thus your heating system needs to run more often to compensate. This air infiltration can lead to increased heating costs, moisture build up on the wood framing and could possibly lead to mold. The same thing could be said about your air conditioning penetrating the heated space of the attic and causing a similar effect.

Older homes rarely meet the minimum recommended R-value for insulation. The U.S. Department of Energy recommends the Northeast region to have a minimum R-38 insulation to maximum R-60 insulation in your attic space (bat insulation or blown in insulation).

An easy way to determine whether a home has an insulation issue is during the winter months. Snow accumulation normally melts during the daylight hours. If a moderate accumulation of snow on the roof melts within a day or two and the natural roof color begins to show through, that means that the heat from the living space is escaping into the attic area.

This living space heat is accelerating the melting process. A well insulated home will retain the snow accumulation for many days after the snowfall.

Like many things in life, people would rather not know and just presume things are fine, all the while their heating and cooling bills are unreasonably high or they’re suffering with an uncomfortable home. Have your attic insulation checked by a professional insulation company before the winter really sets in.

Don’t get left out in the cold!

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How much money should I keep in a savings account for emergencies?

submitted by Rosemary G. Caligiuri, CASL™, President, Harvest Group Financial Services

Many financial professionals suggest that you put away three to six months’ worth of living expenses for emergencies.

If you lose your job, or become disabled and don’t have adequate disability insurance, you’ll need that money to pay your regular monthly expenses, such as mortgage payments, insurance premiums, groceries, and car payments, until you can find another job.

Without such an emergency fund, a period of unemployment could put your assets at risk.

Similarly, if your car breaks down or your spouse has a medical emergency, you’ll want to have the necessary cash to pay the bills. You don’t want to be faced with an immediate need for cash, only to discover that you don’t have any.

You may have already set up an emergency fund. Did you put the cash in a five-year certificate of deposit (CD) or other long-term investment? In an emergency, you will need to get at those funds immediately.

You can certainly pull your money out of the CD early, but you’ll pay a penalty. It’s better to keep some funds more liquid, in a traditional savings account, a money market deposit account, or a six-month CD, for example. That way, the cash will be readily available when you need it.

Finally, keep your emergency fund separate from your everyday accounts. You might even want to use a different bank. Unless you are extremely disciplined, you’ll be tempted to spend those extra funds if you keep them in your checking account.

Remember, if you can put off an expense until next week, it is probably not an emergency.

As always I recommend investors consult with their own qualified tax and financial advisors prior to making any investment decisions.

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Preparing your home for the fall and winter season

submitted by Gary Selleck, owner of C&C Family Roofing

There are several precautions homeowners should take in protecting their home as the fall season approaches. One of the most important is insuring that gutters are clean of all leaves and debris. This allows rainwater to easily flow off of the roof and through the gutters to the ground.

If gutters are clogged, they can back up and cause water damage to the interior of the home. In the winter months, clogs can result in ice damning causing thousands of dollars in damage.

After a major rain or windstorm, take a walk around the property and check for any roof shingles that may have been blown off by the weather.

Walk around the home and visually inspect the entire exterior of the house and insure that all metal edges, roof shingles and gutters are secure and ready to stand up to the harsh winter elements.

Most roofing companies offer a free inspection of your roof, siding, gutters and attic.

Take the time to do your homework to select a competent roofer. Make sure that you get proof of workers compensation and general liability insurance coverage and check with the Better Business Bureau and Angie’s List prior to hiring a roofing company.

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Now is the time to prepare your car for winter

submitted by Jann’s Auto Service

This year’s early snowfall was a good reminder that winter is on the way. Getting your car ready for winter now can save you a lot of headaches and money later.

Check the Battery and Lights

Your battery can lose 35% of its power at 32 degrees Fahrenheit. Your battery should be checked for clean, tight connections.

Change Your Wiper Blades

It is recommended that wipers be changed at least once a year and going into winter is a good time.

Check Your Tires

Tire care and maintenance is especially important in the winter months. A tire that has enough tread to be driven in dry weather may be insufficient for inclement weather. Tires can lose a pound of air for every 10-degree drop in temperature.

Brakes

Have your brakes inspected by a certified technician to insure all components are in good working order. 

[Read more...]

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