Here is what you saw on Good Day Alabama for November 12, 2013:
JEH JEH LIVE - Every purchase of the pecans and coffees raises funds essential for the operation of Glenwood's programs and services for children, adolescents, adults, and families affected by autism and behavioral health disorders. Glenwood, a 501(c)3 nonprofit, uses the proceeds from this sale to benefit all of its programs and services, including our schools for children with autism, young boys with severe emotional disturbances, and preschool-age kids; adult habilitation programs; children & adult residential facilities; consultation & training; a summer day camp; and family support and diagnosis & treatment. Over 38 years ago Glenwood's Holiday Pecan Sale began as a fund-raising effort to benefit the Allan Cott School, Glenwood's founding program. This was the first school established in Alabama to offer educational and therapeutic services to children with autism. Today, Glenwood touches the lives of over 8,000 people across Alabama. Glenwood sells only the freshest, "first-shake" pecans from southern pecan farms. Find pecans at
Hollywood Pools & Spas, Winn-Dixie, Piggly Wiggly, Foodland & Food Giant, & IberiaBank ... Or to shop online or for more information, visit http://glenwood.org/parents/pecans-for-autism/.
COLD WATER PREPS - In Our House, Meredith Jones shows us how to prepare our home for cold weather this evening and this winter. She recommends outside faucet and hose covers to protect your plumbing. She says to be sure to caulk your windows and put weather stripping around doors. Also, be sure to have your chimney cleaned once a year if you have a wood burning fireplace and have your furnace checked out at least once a year. For more information, visit www.joneswarren.com.
BETH K - If you use herbal supplements, how do you know what you are getting? Since the passage of the Dietary Supplement Health and Education Act of 1994, supplement companies have had a lot of leeway in the marketing and selling of their supplements. Supplement companies can market their products without showing that they do what they say they do and without even showing that they have the ingredients them that are shown on the label. There are currently more than 1,000 companies that make herbal supplements with annual revenues over $60 billion. Herbal supplements now make up the most rapidly growing segment of the North American alternative medicine market with over 29,000 herbal substances in the market. Now, a new study shows that many supplements are not authentic. The researchers studied 44 products from 12 different companies using something called DNA Barcoding.
-59% of the supplements tested had ingredients in them that were not on the label
-33% had contaminants or fillers that were not on the label
-75% had product substitution
-the products tested included ginkgo biloba, Echinacea, black cohosh, and St. John's Wort
This DNA barcoding method may be an efficient way for companies to voluntarily prove that their products are authentic. Until then, consumers will have to look for products that are standardized and that have an independent lab's seal of approval!
MONEY TUESDAY - How much does your credit score really matter? Your credit score matters a great deal. If you have a poor credit score, you'll likely find yourself unable to get credit at all except for possibly a payday loan where the annual interest charges easily exceed 400%! If your credit score is mediocre, you'll likely pay higher interest rates on loans such as a home mortgage. Many employers check credit scores before hiring someone. Having a great credit score doesn't just happen… you have to make it happen. I tell folks to think of improving credit scores like you would a board game such as Monopoly. If you understand and apply the rules you can win the game.
If you have bad credit, start here:
1. Begin by paying your bills on time. This includes all bills such as utility bills, medical bills, credit card bills, rent or mortgage, and car payment. Never assume that a vendor will not report a missed or late payment to the credit bureaus. My research suggests that just having one payment that is more than thirty days past due can drop your score fifty points or more! 'Dings' to your credit will typically remain on your credit report for seven years.
2. Get a secured credit card. These 'prepaid' credit cards are an excellent way to begin to rebuild your credit and improve your score. Be sure to get one that reports to all three credit bureaus.
If you have good credit, here is the best strategy for improving your score:
Step 1. Request your annual free credit report (www.AnnualCreditReport.com http://www.AnnualCreditReport.com from each of the three main credit bureaus: Experian www.Experian.com, Equifax www.Equifax.com and TransUnion www.TransUnion.com along with your current credit score from each (you'll have to pay for this). You can get all three credit reports and scores for a one-time fee of about $40. These credit scores will form the 'baseline' for your Credit Score Board Game. According to FreeScore.com:
720-850 = Excellent credit score
680-719 = Good credit score
620-679 = Average credit score
580-619 = Poor credit score
500-579 = Bad credit score
Less than 500 = Miserable credit score
Based on your current score, set a goal for the next twelve months. A good goal might be to improve your score by at least fifty points.
Step 2. Begin by adding up the total available credit on all of your lines of credit including credit cards, store charge limits, home equity lines of credit. Limit your monthly charges to a maximum of 30% of your overall limit. Twenty percent is better; ten percent is best. For example, if you have credit cards and store charge cards whose total credit limits is $5,000, keep your total monthly charges to something below $1,500 (30%).
Step 3. Set up 'auto-payment' for credit cards and bills. For me, I have as many recurring bills as possible paid automatically paid from my credit cards. That way I get bonus points that I can use for plane tickets, hotels, etc. I have my credit cards automatically paid from my checking account each month along with any recurring bills that I can't auto-pay from my credit cards. Obviously, you'll need to be certain you have enough money in your checking account to cover all of your bills including these auto-payments.
Step 4. Once every six months, check your score. You can do this by paying a small fee or you can pay a monthly fee for ongoing monitoring. A free alternative is to use www.CreditKarma.com. It does a good job of estimating your score and allows you to do a 'what-if' simulation game of actions you can take to improve your score.
Here are a few basic facts about how your score is created:
· 35% of your score is based on your payment history. Make sure you pay your bills on time to improve this score.
· 30% of your score is based on amounts owed on accounts. For revolving credit such as credit cards, keeping charges under 30% of available credit will improve your score. Owing lots of money on lots of different accounts will likely hurt your score. Credit bureaus like to see 'activity' so having unused credit cards and lines of credit may hurt your score. Best: use but pay off revolving credit regularly.
· 15% of your score is based on your length of credit history. In general, the longer the credit history, the higher your score. Improve your score by not closing older accounts and not opening a lot of new accounts since the credit bureaus 'average' the age of your various accounts.
· 10% of your score is based on credit inquiries. A large number of credit 'inquiries' in a short period of time can hurt your score so don't authorize inquiries unless you really need the credit. Inquiries by you do not affect your score so feel free to check often.
· 10% of your score is based on the types of credit used. Bureaus like to see a mix of types of credit including credit cards, retail accounts, mortgages, finance company loans and installment loans. Not having each one won't hurt your score but a nice mix will help your score.
DR ASA - Janice talked with Dr. Asa Andrew - known as America's Health and Lifestyle Coach®. He is also a national best-selling author, radio and TV host, and founder of Diagnosis HOPE, a non-profit dedicated to health education and supporting the uninsured. He has dedicated his life to helping others thrive in their health. Today he discussed 6 tips in reaching your weight-loss goals.
1.Set Your Weight Goal - Write it down
2.Eat smaller portions and why
3.Drink More Water
4.Eat Your Vegetables First
5.Avoid Skipping Meals
6.Exercise 5-6 days per week
For more information, visit http://www.drasa.com/.
X FACTOR - Janice and Mike talked with Birmingham Native Millie Thrasher who is a contestant on the X Factor. The 14 year old tried out for The X Factor as an individual but Simon paired her with two other girls to form Sweet Suspense. Her bandmates, Celine and Summer, also joined us this morning. They made it to the top 12 on The X Factor and we find out if they make it to the top 11 tomorrow night on the X Factor. The X Factor airs on FOX6 on Wednesday & Thursday nights. Visit http://www.thexfactorusa.com/ for more information.
GARDENING - Jimmy Rockett introduces us to the Strawberry Sundae and Crimson Fire . This hydrangea takes full sun and and grows to about 5 feet by 5 feet mature height and width. The plant has striking white blooms that fade into a strawberry color and they display a brilliant fall color of red and orange combinations. The Crimson Fire Loropetelum grows to about 2-3 tall by 2-3 wide and will maintain it's color thru out the winter time. They have a pretty neon pink bloom when they do bloom in the spring . Jimmy says to make sure you have well drained soil and to amend the soil when need to. For more information, call Jimmy at (205) 981-1151, email him at firstname.lastname@example.org, or visit his website at , www.rockettsbugjuicegardens.com.
Tomorrow on Good Day Alabama, be sure to bundle up for those cool temperatures! Mickey gives you the scoop on how warm to dress before you step out in the cold! And Jeh Jeh's going to dress warm for a bicycle ride around Birmingham! A local woman makes a difference around the world and now you can help, too! Find out how you can help with Development in Gardening to help people in third world countries! The doctor joins us to take your questions! Join us for all of this and much more tomorrow on Good Day Alabama.