As of December 2007, bankruptcy filings are up 28% from last year and are expected to increase in 2008 due to the combined factors of high household debt and rising mortgage costs. American Bankruptcy Institute

This is the article that no one hopes to need and we would prefer not to write. The word 'bankruptcy' is weighed down by such doomsday words as failure, defeat, impoverishment...well, you're getting the depressing idea. However, it is not 'the end of the world' to declare bankruptcy. Instead of running away from this topic, it is time to demystify bankruptcy with a little 'Bankruptcy 101.'

What is bankruptcy?

For most people, bankruptcy is a way to get a fresh start after acquiring too much debt. Most individuals who file for bankruptcy will file under Chapter 7 or Chapter 13. Depending on which is filed, one may get most of their debt erased or work out a workable solution with lenders to pay off existing debt.

Are bankruptcy laws determined by Federal or State government?

Bankruptcy laws are made by the Federal government. States can pass laws that protect the "lender and debtor relationship" but they cannot regulate how a bankruptcy is processed or if it is to be granted.

Can all debts be erased?

No. Whichever type of bankruptcy is filed, there are certain debts that cannot be erased at all. These include alimony, child support, most student loans and legal judgments against fraud or criminal negligence such as a drunk driving accident. Some taxes may be erased, but not all. In fact, taxes have their own set of bankruptcy rules.

Do I need a lawyer?

When filing for bankruptcy it is important to find a bankruptcy lawyer who can help you navigate the process. Bankruptcy lawyers specialize in this area of law and are familiar with the distinct differences and effects of the process; they can be your greatest ally in a tough, seemingly bureaucratic system.

How long will bankruptcy effect my credit?

Bankruptcy will stay on your credit report for 10 years. There are ways to improve your credit rating and make yourself more appealing to lenders. For more information on this, check out this useful website: www.lifeafterbankruptcy.com. It is not an easy road back and those filing for bankruptcy should have a realistic expectation to work hard at their future spending practices.

Do I have to do debt counseling?

Yes. Under the new bankruptcy act passed in October 2005, it is now required that all persons applying for bankruptcy meet with a government qualified debt counselor first. After one has successfully filed for bankruptcy, the debtor must again meet with a counselor before the bankruptcy file will be closed.

What is Chapter 7 bankruptcy? (In a nutshell)

Chapter 7 bankruptcy is also known as a "liquidation of debt." A person can file for Chapter 7 every 8 years. This usually involves the liquidation of property to pay back debts. An appointed trustee sells all secured, non-exempt property for the debtor and distributes money raised among the lenders. Unsecured debts, such as credit card bills and most medical bills can be erased. This may mean the loss of secure debts such as a home. However, most states do have protections for debtors in place to insure they may keep life necessities such as clothing and some furniture. Retirement funds such as IRA's are also protected and debtors may keep these as well. After the changes to bankruptcy law in October 2005, many debtors may not get approved for Chapter 7 and be required instead to apply for Chapter 13. In short, if you still have an income and make more than the median for a household of your size in your state you may have to file for Chapter 13. To find out if you should be filing for Chapter 7 or Chapter 13, you can use a mean calculator like the one at legalconsumer.com. Again, this is where consulting a lawyer becomes very important.

What is Chapter 13 bankruptcy? (In a nutshell)

Chapter 13 bankruptcy is also known as a "reorganization of debt" or the "wage earners' plan." One can file for Chapter 13 more often as long as any previous filings are already closed. This is the bankruptcy for those trying to a find a way to get out of debt but still expect to pay off some of their debt. Generally speaking, if you still have a source of income and could make payments, just not the high ones you have now, you can be restructured into a debt payment plan under Chapter 13. This is the most likely to be used to try to stop a mortgage foreclosure. In this scenario, you can keep the house, car and more than you could under Chapter 7. There are limits to the amount of debt that can be restructured. If one is above those limits they would file under Chapter 11, however, the average American Joe/Jane is not in this category.

More Resources
US Department of Justice - US Trustee Program
www.usdoj.gov/ust/
A complete listing of approved credit counseling agencies is available through links on this Web page. [Listed by state.] www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm
A complete listing of approved providers of financial management instructional courses is available through links on this Web page. [Listed by state.] www.usdoj.gov/ust/eo/bapcpa/ccde/de_approved.htm

American Bankruptcy Institute
www.abiworld.org
The American Bankruptcy Institute is the largest multi-disciplinary, non-partisan organization dedicated to research and education on matters related to insolvency. ABI was founded in 1982 to provide Congress and the public with unbiased analysis of bankruptcy issues.

Bankruptcy Abuse Prevention and Consumer Protection Act of 2005
www.govtrack.us/congress/bill.xpd?bill=s109-256

Bankruptcy Action
www.bankruptcyaction.com
The objective of this website is to provide the person, thinking about filing bankruptcy, the information he or she needs to make an informed decision.

Lawyers Listings
www.lawyerslistings.com/about.shtm
Our mission is to present to the Internet community an easy-to-use site in which to search for law firms and individual lawyers.

Life After Bankruptcy
www.lifeafterbankruptcy.com
On this website you'll discover everything I did to recover so quickly...and many other bankruptcy recovery and credit repair strategies you'll find nowhere else.

NOLO Bankruptcy Library
www.nolo.com
Nolo is your legal companion, empowering you and saving you money whenever the law touches your work, life or finances.

US Courts - Bankruptcy Basics
www.uscourts.gov/bankruptcycourts/bankruptcybasics.html 
Bankruptcy Basics provides basic information to debtors, creditors, court personnel, the media, and the general public on different aspects of the federal bankruptcy laws.

What can you do to prevent Bankruptcy?

1. Continue to take care of essential bills first: mortgage/rent, taxes, child support, and utility bills.
2. Eliminate frivolous expenditures. No more department store credit cards, cable TV, magazine and newspaper subscriptions, etc. Be honest about what you can live without with for a while. 
3. If you own your home, consider a home equity loan to get rid of high rate debts such as credit cards.
4. Watch your credit report. Close unused accounts, check for errors and resolve any questions with lenders immediately.
5. Know the warning signs: -Are you using credit cards to pay off bills or credit cards? -Are you borrowing against unprotected debt? i.e. Are you borrowing from a credit card to pay the mortgage? When you see you are bouncing debt around and not making any headway, it is a good time to look at credit counseling.
6. Warning about credit counseling: If you choose to do debt consolidation recognize that it will effect your credit score. Also, make sure you understand how the payments will work and if you can really make the payment - sometimes they are set too high!
7. Avoid aggressive lenders. If you begin to get offers for loans that sound too good to be true - they are! There has been a big push to penalize aggressive lenders who only help people acquire more debt. However, they are still out there and you should be a careful shopper of any loans you take.

Q. We are looking at new homes in South Carolina, and we noticed that some are built on a slab, and others have crawl spaces. Is one better than the other?

A. Traditionally, houses in South Carolina have been built on raised foundation walls to keep the structure away from the ground, but with the advent of newer technologies, more and more builders are choosing to build homes with concrete slab foundations. Briefly, a house with a crawl space has a wooden floor built on foundation walls and piers that can be anywhere from about two to six feet off the ground depending on the slope of the lot. In this type of house, the utilities such as plumbing, electrical and HVAC can be run under the floor, and are accessible for repair or renovation. The crawl space has fresh air ventilation, but is closed to insects and animals. This type of construction requires stairs for access. A slab-built house, or patio home, is built directly on a reinforced concrete slab foundation. This slab rests directly on the ground, and the utilities are run under the slab and brought up into the structure wherever needed. The heating and air ducts are routed through the attic in most cases. This type of construction requires no stairs for access. With a house built up off the ground, modest amounts of water entering the crawl space during rainstorms is not usually a problem, because it runs right through or evaporates through the fresh air vents. With a slab house, there is very little tolerance for water draining against the structure, because it will find its way into the house. If you are considering buying a patio home, pay careful attention to the lot drainage. The choice between the two types of construction is largely a matter of personal preference unless someone in your family has difficulty climbing stairs in which case, a slab-built home would be your best choice. Regardless of which type of house you choose to purchase, it would be wise to get a thorough home inspection from the most competent inspector in the area.

In our area, the made-up snow days at the end of the school year made this past year seem long. Therefore, it's a bit jarring to be thinking about back to school supplies already. However, planning ahead can help prevent a lot of the headache in back to school shopping. Many times the quest for new supplies and clothes can seem like an endless scavenger hunt that quickly eats through money in the bank! Below we have compiled a few tips on how to keep the costs low, as well as things to consider when deciding on which supplies will best fit your student's needs. We have also taken a look at a few of the activities you can still be doing the final days of summer to keep your child's mind sharp and ready to jump into the next grade. Students on average lose a month of learning during summer vacation and can lose over two months of learning for harder subjects.* Luckily, there are ways to battle the summer brain drain while still having fun! *"Summer Vacation Slide" by Barbara Pytel

Back to School Supplies Armed with a supply list provided by the school, it is time to begin the scavenger hunt. As you look for supplies for your children, below are a couple items to keep in mind.

• Waste Not, Want Not Take a look through left over supplies from last school year. Did older children leave something the younger ones can use? Where certain supplies never used or still have some life left in them? Do some supplies just need new batteries, lead, erases or other refills? Also, check older items that may be spruced up a bit with stickers, photos, etc. - it makes for a fun project for the younger kids and can help get them excited about going back for the next year.
• School Supply Closet If you don't already have one, set up a supply closet/space where you can keep old and new supplies all year round. Here you can keep packets of pencils and stacks of paper or notebooks that you know will be used throughout the year. Buy commonly used items in bulk and you will save in the long run.
• Collect Year Round Now that you have a School Supply Closet set up in your home, you can more easily take advantage of deals as they arise during the year. With a place to neatly keep school items you will have a better idea of what you need more of as you shop. Although Back to School sales can be good, you may find even greater bargains at the end of the season or during clearance sales.
• "Ouch! My back!" Backpacks are often overloaded with school supplies and can cause back pain and muscle soreness for students of all ages. A backpack should only be 10-20% of the student's weight. If a smaller student is expected to carry a lot, then you may consider getting a rolling backpack.
• "But everyone else has one..." The plaintive cry of so many children around the country. But be strong - get only what your child really needs for school. Get supplies that are basic and therefore timeless. Fancy cartoon or pop-icon covered supplies are short lived. If you do get them, only get a few that you are certain your child will use before they become "unfashionable."
• Quality is still #1 You can shop cheap without going so generic all you get is poor quality. You don't want to buy supplies that will break, leak, rip, or fall apart before the end of the first week. (I still remember a black glued notebook I had in high school that literally just fell apart at the seems with paper scattered about the floor - not fun!) Make sure there is some quality in the products you buy. Keep in mind how roughly binders may be handled, how pens may be shoved at the bottom of a backpack and how that same backpack will be tossed, dropped, kicked, lugged, shoved and zipped/unzipped more times than worth counting.
• Batteries not Included Avoid gimmicky and flashy supplies that twirl and light up. Teachers find these are very distracting in the classroom. If you do get a fun item like this, keep it at home where it can make the homework blahs a bit more fun.
• Accounting 101 As your children get older, include them in the budget planning. Working together on budgeting for supplies will teach your students how to prepare and why all the flashy supplies may not be worth it. You will soon find your child will learn to appreciate the cheaper supplies so they may budget for one or two more fancy items.
• Organization 101 Along the same lines as Accounting 101, sit down with your older children and take the time to recall what worked or didn't work last year for their learning. Did they find note cards useful and need more this year? Did color coding subjects help or would an all in one binder be more useful? Are they still struggling and need to try something new?
• Munch a Lunch Increasingly, online access allows parents not only to review the menu but to check their child's account and upload more funds when necessary. Many schools are also adopting healthier menus. If you don't have a picky eater, this may be the most convenient option. However, if you do have a picky eater in the house or if your child has any food allergies or dietary restrictions, then packing a lunch is the better way to go. Buying food and snacks in bulk has decreased the grocery bills of many households. With a bit of pre-planning, you may actually save money if packing lunches with items you know your children will eat. For growing teenagers with insatiable appetites, giving them as many snacks as possible can help curb the fast food purchases and the extra expense of impulse hunger-buys. Packing Get a good, strong lunch bag. Brown paper bags don't hold up well and are not environmentally friendly. A good lunch bag will protect other items from spills and with a small ice pack can keep food at a safe temperature until eaten. Free Tupperware is good (i.e. sandwich meat containers) however they only have so long to live after being tossed around in a lunch bag. Good containers is a worthwhile investment as they will be used 5 days a week to pack a healthy and full meal! Munchies Include your children in planning lunches for the week. Do this on a regular basis as they may have been all about bananas the last two weeks but are now sick and want a different fruit or veggie. Find out if lunches are satisfying - are they still hungry or brining extra home? If they are brining a lot home, find out if they are preferring a food/snack served in the cafeteria. If you are trying to save money by buying in bulk, you may be able to buy this favorite to pack in their lunch or find a healthier alternative instead.
• Free Shipping Shopping for school supplies online is not out of the ordinary anymore. Many office supply stores and their competitors are allowing parents to shop from the computer. Compare shipping rates - you might even get free shipping with purchases at a specified total.

Back to School Clothes Most kids grow out of their clothes and shoes at an amazing rate. Keep their closets full with basics and not the trendy fashion of the day. Keep clothes practical and you won't break the bank!

• Basics, Basics, Basics Keep the clothes to the basics as much as possible. Going for trends and fads will only hurt the checkbook when your child refuses to wear them again. This doesn't mean you can't get trendy clothes if it fits your budget. One way to make this easier is to get your child involved in the budget process. Let them know how much is budgeted for the season and then shop together for some basic items while saving for a few "gotta have" fun items.
• Playground Attire (At Every Age) Can you run, jump, play and have fun in those clothes? Make sure your kids try moving around in the clothes they want to buy. Oddly cut pants are no fun for young kids to play in and skinny jeans will not be as appealing to that middle school student once they try to sit in a chair hour after hour of class. Make sure your children on aware of the functionality of their clothing choices. Finally, make sure you check out what is allowed at the school. Funky, trendy, or skimpy may not be practical and they may get your child sent home too! Take care to read slogans on t-shirts, ambiguous language or even blatant references to questionable or illegal subjects (i.e. drugs/alcohol) may not be allowed as well.
• Hand-Me-Downs (Even with the Neighbors!) If you have more then one kid, hand-me-downs can be great. Especially if you stay with the basic and timeless classics, it will be easier for the younger kids to use what their older siblings can no longer wear. With how quickly they grow through clothes, most of the clothes will be in great condition and you can't beat the price! If you don't have older siblings, consider roving the local garage sales. Or talk with parents at the school, some parents plan exchange nights where they all bring clothes their kids can no longer wear and exchange with each other - again, you can't beat the price of a good barter in kind!
• Consignment & Charitable Stores Both consignment and charitable stores can offer a great way to fill your kids closet. Get your children involved. At the consignment store they can make their "own" money by turning in old clothes for cash or store credit. Going to charitable stores, children can learn early how to stretch their dollar. Especially when shopping for items they know they will not be using often - so they need a white dress shirt for choir but will only wear it one season - a charitable or consignment store is a great fit. For the really creative kids, this can be a great way to mix and match and create their own style for cheap.
• Shop In and Out of Season Without a doubt the department stores and outlet stores will run great deals and back to school sales. But also keep a look out for seasonal closeouts. Items you may not use this year might be used the next - just be aware you may have to do some good guessing on future sizes! Again, when shopping seasonal or end of the year sales, make certain to go for basic and timeless styles - the trendy may be a good bargain, but may not be worn by a stubborn teen next year.

Back to School Learning As mentioned in the intro above, research has shown that children lose about a months worth of knowledge over a 3 month summer vacation. For more difficult subjects this loss may be even more. There are ways to keep your kids mind sharp and even learn new things over the summer while keeping it fun and relaxed.

• Homework Hour Okay, I know we just said to keep it fun and relaxed...it still can be with a scheduled time at night for quiet "study" time. Try to leave an hour open twice a week (or more) for a homework hour where you and your kids play a challenging game, watch a documentary, quietly read, or they can play an educational computer game - there are many online covering everything from dinosaurs to foreign languages. It will help keep you child's mind sharp and attuned to concentrating on one task like they will have to when real homework starts again in the fall. Of course this is generally for the older student, younger kids wouldn't need to do a whole hour - something more comparable to what they do in a school activity. The idea is not to sit them down with a chart to fill in or tables to review. Instead, get them to apply some of their learned knowledge in an activity.
• Summer Reading If not done during homework hour, summer reading can be done daily. Read to the younger kids, read along with the older ones and read quietly next to the tweens and teens. The idea is to again make the environment conducive to some reading time. Take a trip to the library once every two weeks to stock up on books. Perhaps an older kid might be interested in entering one of the many reading contests that happen every summer. Read the same book as a family and compare opinions. Read books related to an upcoming summer vacation. Read books with a movie fast approaching and compare them to each other. Read non-fiction books as well. Simply put - read!
• Inquiring Minds Want to Know Consider making national pastimes a chance to learn - How do fireworks work? What creates a thunderstorm? Why do we celebrate July 4th? Which constellation is that? How does a camera work - perhaps put it on manual and figure what different apertures and shutter speeds can do. Or turn a family road trip into a chance to learn a bit more - stop at a national park or try a different cuisine from what you get around home. Challenge yourself to look at items we take for granted as possibilities for learning and experimenting.
• Did we say Experiments? What better time then summer to make a mess in the backyard. Make a homemade volcano, your own play dough, or put together a model car/airplane/ship/dollhouse. Get your kids involved in projects - perhaps you are doing a home improvement, although you child may be too young to help with the tools, they might be able to help you figure the square footage as you plan your project. Need help in the garden? Don't make them the "weed puller" - instead let them help you tend soil, plants, discover bugs, create a sculpture or taste some ripe berries off the vine.

The days are longer, the temperatures are becoming pleasant and our energy levels are up as we begin to stretch out of our winter hibernation - spring is here! Time to harness some of the new energy and get the spring cleaning out of the way. Although some demigods may have immaculate households and not heed this tradition, most of us do have a bit (or more) of collected clutter and dust around the home. Spring cleaning is a great opportunity to remove dust, mold, toxins and clutter from our households. And as we clean, we notice a pile emerge of unused and unwanted "stuff." This gathered hoard of old décor, books, electronics and exercise gadgets should not be squirreled away for another year! Instead, incorporate into your spring cleaning the determination to get this "stuff" out the door through a garage sale (real or virtual) or off to charity.

Spring Cleaning

Spring cleaning for most households is a family tradition. According to the contributors to Wikipedia, evidence of spring cleaning can be seen in ancient civilizations - from the Jewish tradition of cleaning the house before Passover to the Iranian "khooneh tekouni" or "shaking the house." Many Americans grew up in households where there was a yearly purge of dust and "bad air" from the winter months. This too comes from earlier times when fires of coal and wood were the primary source of heat and rural households sometimes bundled down with the livestock indoors. For this reason, some argue that spring cleaning is not a necessity with our modern furnaces, solid windows and cleaner spaces. Consider this a time then to do the very best cleaning of all your living spaces, appliances and work areas. We all skimp on cleaning out the fridge or stove, now is the time to hit these areas thoroughly. Below we have listed some common items to clean during this sweep. For a more detailed list to help on your cleaning, we have also provided a "Spring Cleaning Checklist."

Common Spring Cleaning Tasks:

Dust ceilings, walls, corners, light fixtures, base boards, vents, and furniture

Wipe down walls, light-switches, outlets, doorknobs and handles

Clean blinds, curtains, drapes, window sills and windows

Clean doormats, bathmats, and area rugs

Shampoo the carpets

Clean the hardwoods and vinyl

Dust and wipe down furniture, cabinets, shelves and countertops

Clear the clutter and get items back where they belong

Consider items for a garage sale, charity run, or dare to think it - re-gift it!

Remember to click here for a detailed Spring Cleaning Checklist! WORD | PDF

Other important items (while your at it):

• Update important documents in safe or safety deposit box
• Update emergency plans and phone trees
• Review emergency plans with family members
• Review all medications in your household for expirations
• Review first aid kits - these don't last forever and you may need to replace some items or the whole kit Also review any other emergency kits
• Test and change batteries in smoke and carbon monoxide detectors

Garage Sale

Now that you have cleaned your house, you have gathered "stuff" that you no longer use, need or want. Your gathered hoard of goodies will probably include:

• Unwanted décor
• CDs / DVDs / Games
• Books
• Dishes / Glasses / Cups
• Kitchen Gadgets/Small Appliances
• Exercise Gadgets
• Craft Goods
• Small Electronic Devices

Now what?

Getting ready for a garage sale can be a daunting task and should be handled with the same planning and care you would give to a major event - just try to keep it fun - you're planning for a big block party where you get to meet your neighbors and make some money! Here are some basic guidelines:

1. Take inventory of your gathered hoard: :Literally list the items as you place them in boxes/bags until the weather is nice for the sale. This will help you organize items. It is very helpful if you begin this process during your spring cleaning.
2. Consider items for charity: If you have some highly valued items, such as gently warn winter coats or clothing, consider giving some of these items to charity. You may try to sell most items and then give the leftovers to charity. However, don't use your local charity as a dump - be realistic and keep only usable items for these organizations.
3. Set a date: Choose a day where you can rest well the night before and commit your full energy the day of the event. Keep the big day reasonable - if you are not a morning person - don't open a garage sale at 8am. With the right advertising you should be able to set your hours and stick to them.
4. Be firm on your choices: If you haven't used an item in a year, then it is a very good chance you won't use it again. Let go of any emotional attachments to items - even if you mother gave you that clock you never use you can let it go. Instead, keep the more personalized items like photos or something handmade. Every gift is not a treasure! Remember - it was the thought that counted - not the unworn tie!
5. Know the going rate: Review other garage sales in your area to see how similar items are being priced. Check online for prices on trade sites such as eBay.
6. Showcase your items: Hang clothes, put small items in baggies, etc. Keeping your selection clean and neat will help buyers decide quickly. Also, label all of your prices. One box of "10 cents each" may be okay, but try to keep most items clearly priced and labeled.
7. Advertise and make signs: These days advertising a garage sale is not only done in the paper. You can post announcements to online localized sites such as Craigslist and even most Penny Savers have an online option as well. When you make your signs keep them clear, big and simple. Make certain to take them down as soon as your sale is over.
8. Change from the bank: Before the big day make sure to get some change for the cashbox. Decide beforehand if you will accept a checks and under what conditions or for which particular items.
9. Prep your sale table: Besides your cashbox, prep your sale table with bags, newspaper to wrap fragile items, paper and pens, maybe a few good munchies and some items for you to do during any slow lulls.

Online Garage Sale

Now perhaps you have items left over from your garage sale or prefer to sell from the comfort at your computer desk at your own pace. Just keep in mind that selling items online will require more time as you write descriptions, place photos and run to the post office. If you have the patience or enjoy the idea of a virtual garage sale, these sites will help you get your unwanted items moving out the door! Amazon Marketplace: If you are a bit of a bibliophile and need to thin your collection, the

Amazon Marketplace can be a great option to sell used books, CDs, DVDs and more. Keep in mind that to list is free, but there are fees when an item sells. Considered more user-friendly than similar sites, it is worthwhile to check it out. http://www.amazon.com/gp/help/customer/display.html?nodeId=1161232

BarterBee.com: A site specifically geared towards recycling CDs, DVDs and computer or consol games between households. Once you sign up for a membership, you list your used items for sale. Sell items to get points. You can then use those points to buy other CDs, DVDs or games that you want to try out. Of course you wouldn't use this site to make cash - points are used for like items. http://www.barterbee.com/

Craigslist: An online mismatch of services, used goods and announcements by city location. Here you may be able to find used items cheap. It can be the ordinary like used furniture to the not so common. For example, I once found someone who had new pavers left over from a patio project that they were willing to sell at a discount just to get them off their lawn. You may also be able to find cheap services such as yard work. However, users beware, there are no regulations on this site and you should take precautions when working with anyone on this list. This site definitely has a mixed history of great successes and terrible wrongs. Be careful. http://www.craigslist.org/about/sites

eBAY: One of the most popular and well known online auction stops, eBay has been around since 1995. Users have the ability to rank other users for the ease of trade transactions. Probably the biggest garage sale on the internet. http://www.ebay.com/

Etsy: Buy and sell handmade items - a great source for crafters and home artisans of all medias. This site allows you to sell your talented pieces or purchase others for less than gallery prices. http://www.etsy.com/

JunkDepot: An online clearing house where you can list your items for sale. To list is $.99 per item and there is a 6 month limit to your posting. http://www.junkdepot.com/

Oodle Classifieds: An online classified search machine that searches 80,000 sources. You can also post your classified adds as well. http://www.oodle.com/

Sell.com: Another online classified site that allows you to list items for sale - a basic add is free and there are no transaction fees once an item sells. You can get a few more bells and whistles for a cost. http://www.sell.com/

Silkfair: Another online trade site that strives to make your life easier with fewer fees and an easy to use interface. A good alternative to check out if interested in selling or buying items online. http://www.silkfair.com/

SwapThing: This site allows for consumers to trade and barter items or services. There is also the option to do flat out sales. Unlike an auction site, you can barter privately and do not have to list items for auction. You enter what you want and it will match you with others who have it available. http://www.swapthing.com/home/index.jsp

With the various fall and winter holidays upon us, we know everyone is busy. Here is a short list of food safety precautions to take during this holiday season. As always, enjoy the fun and have safe holidays this year.

Food Preparation:

• Before cooking or preparing anything - wash your hands! In between working with different dishes - wash your hands!
• Wash all fruits and vegetables. Even those with tough outer skins that you do not eat. When slicing these, the knife may pick up bacteria from the outer skin.
• Thaw meats in the refrigerator overnight. Never leave them on the counter to defrost. If defrosting in the microwave, make sure the meat is cooked soon after.
• If preparing a turkey, make sure it is completely thawed before cooking. Cooking a frozen turkey can lead to uneven cooking with the inside not being up to temperature. According to the FDA, a "20-pound turkey needs two to three days to thaw completely when thawed in the refrigerator at a temperature of no more than 40 degrees F. A stuffed turkey needs 4 ¼ to 5 ¾ hours to cook completely."
• If marinating food then do so in the refrigerator - not on the counter! If you want to have extra marinade to use as a sauce later, make sure to separate a portion ahead of time. Never reuse marinating sauces!
• Do not reuse any batter or breading that has touched raw meat.
• Use one plate for raw meats and another clean plate to take cooked items to the serving area. Never use the same plate. The raw juices can contaminate your cooked meats and side dishes.
• Unattended cooking is the leading cause of home fires in the U.S. When cooking for holiday visitors, remember to keep an eye on kitchen projects. If you are faced with a grease fire, remember, put a lid on it, and turn the heat source off!
• That evil mayo - did you know according to the Department of Health, it is not really the mayo that is making those deviled eggs a dangerous game of chance. Instead, it is the fact that when making cold salads usually the ingredients are mixed together when still warm creating a breeding ground for bacteria. Instead, chill all your ingredients separately before mixing them together.
• Use ciders labeled as pasteurized, or bring unpasteurized cider to a boil before serving. This is especially important when serving cider to people with weakened immune systems.

At the Table:

• So you have guests over and have set out a brunch style breakfast. If you have late risers, consider these times when leaving items such as milk or cooked meat on the table:
  - These foods are safe to leave out: Dry foods such as nuts, crackers, baked goods, breads, hard cheeses and candy don't support bacterial growth. Fruits, pickles, jams and jellies are too acidic for most bacteria.
  - Anything else should be discarded after sitting out for 2 hours.
  - To save milk or soy, make certain they are kept in the refrigerator instead of on the table.
  - An alternative is to keep cold items on ice. However, the ice will still need replacing every two hours or so.
• Supply plenty of clean plates and utensils. Encourage guests to get a new plate if theirs has been sitting out as they waited between helpings.
• Do not add new food to a serving dish that has been sitting at room temperature for more than two hours.

The Cleanup:

• Refrigerate any left over food within 2 hours of its initial serving. If the temperatures are higher, then 1 hour or earlier. Meat should be be kept hot for serving (140°F) and unused meat should be refrigerated immediately as it cools. If you have too much left over meat, make sure to freeze whatever you won't eat within the next 2 days.
• Use leftover turkey meat, bones, stuffing, gravy and other cooked dishes within two to three days.
• Cut up any leftovers before refrigerating so they may be spread out in a tray. For meats like roast beef, this helps to make sure the meat cools at the same rate.
• Date leftovers - you'll appreciate it a week later when you've forgotten what food is from which feast.

Holiday Specific:

Turkey Fryers:

- Always use outdoors away from anything flammable. 
- Use on cement or stone surfaces - not on a wooden deck!
- Do not leave unattended. It is a very good idea to not have children and pets in the vicinity, better if they are inside. If they must be outside, make certain they are watched very carefully! Do not allow children and pets near the fryer as it cools after use either.
- Make certain the turkey is thawed before cooking - water and oil don't mix!
- Check the oil temperature frequently and immediately shut off if the oil begins to smoke. 

Mail Ordered Food:
- If sending mail ordered food as a gift, let the recipient know so they may know to look for the package.
- If you receive any mail ordered food, make certain to check that items that should have been kept cool were packaged properly.

Candle Decorations:
- Do not use candles on evergreen or natural trimmings.
- Use nonflammable holders and make sure they are placed where they cannot be knocked over easily.
- Do not keep candles lit in rooms that is not occupied/supervised.
- Check your candles as they burn. Some will burn unevenly and may finish sooner than you expected.
- Do not leave children unattended around candles and matches/lighters.

More

USDA Food Safety - Cooking a Turkey 
ttp://www.fsis.usda.gov/fact_sheets/Countdown_to_the_Holiday/index.asp

USDA Food Safety Ask Karen
http://www.fsis.usda.gov/food_safety_education/ask_karen/index.asp#Question

USDA Cooking for Groups
http://www.fsis.usda.gov/PDF/Cooking_for_Groups.pdf

RI Food Safety Education - Kitchen Thermometers
http://www.uri.edu/ce/ceec/food/factsheets/therm.html

Q Our home inspector reported that three windows in our 9 year old house had fogging insulated panes, and he suggested that we contact the builder or manufacturer for warranty information. We contacted the manufacturer who sent a man out, but he said that only two of the windows were fogged. When we called the inspector, he said that insulated windows will fog only under certain conditions, and that we look at the windows at the same time of day that they were inspected. Is our inspector a bit foggy in the head?

A It has been my experience that insulated window panes, when the seal is broken, will fog only under certain conditions. The two pieces of glass in a double-pane window have an inert gas between them which is held in place by a seal. This thin space of gas is what allows the windows to slow down the transmission of heat or cold. When this seal is compromised, ordinary air is allowed to enter, and moisture may condense on the inside surfaces of the glass. These types of windows are most likely to fog on a winter morning a short time after the sun hits them. The outside of the window has been cold overnight, and the inside has been warm. When the sun hits the cold outer glass, moisture condenses and the foggy appearance occurs. A few hours later, as the temperatures stabilize, the fog may disappear altogether. In this case, the inspector was correct to suggest that the windows be inspected under the same conditions. In the case of your 9 year old house, your windows may still be under warranty. The earlier versions of insulated windows were somewhat prone to failure, but technology has steadily improved, and today’s windows are much more reliable. Warranties have gotten much better as well, so it you have foggy windows, check with the manufacturer to see if you can have them replaced under warranty.