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Early Spring Landscaping To-Do List

Early Spring Landscaping To-Do List

Spring is getting an early jump start this year so get a head start on your “Early Spring Landscaping To-Do List” this year! Here are a few things to do to prepare for spring:

1. Dormant Prune any trees or shrubs
that are getting to big in your landscape. Structural prune young trees to encourage proper growth. March is the best time before the new leaves come out. Don’t take off no more than 1/3 of a plant at one time. Evergreens should be left alone.
2. Clean-Up your landscape beds and lawn from any leaves from last fall.
3. Apply Crabgrass preventer with fertilizer on your lawns. This will help jump start your grass and keep away unwanted weeds.
4. Spread weed preventer in your beds & gravel areas such as Preen. This helps reduce spraying for weeds in the future.
5. Prune Knock-Out Roses and Hydrangeas down to 12″-24″. Trim ornamental grasses down to 4″-6″. Trim down dead from perennials.
6. Uncover any plants that were mulched in last fall before winter. Such plants include roses, hydrangeas, and perennials.

Call to let us know if you any help with these projects! 419-953-1238.

We are also happy to announce that we are now proud to be a new member of the Coldwater Area Chamber of Commerce! We are now accepting chamber gift certificates!

Leadership Letters: Changing Your Colors

Leadership Letters: Changing Your Colors

Changing your life isn’t easy, but knowing where to start can make all the difference.

I know this video is a little slow, and hard to hear, so I’ll try to summarize this with an outline below.

  1. The video starts with margarita glasses that each have a hole drilled into them. This represents your mind, your life, and you as a whole. As life goes on things drain out of us.
  2. If you don’t keep putting into the glass, it will be empty. If you don’t put back into your life you will be empty.
  3. If you keep putting the same color into your glass, the color of the water will never change. If you don’t change what goes into your mind and your life, you will never change. That is only OK if you are EXTREMELY happy with your life and who you are.
  4. You change yourself and your life by controlling what goes into your mind. What are the things going into your mind?
    1.  What you tell yourself. No one believes they themselves are a liar so you believe what you tell yourself.
    2. What is said and done by the people around you.
      1. Choosing your friends is very important. You want to be around people who say and do things that promote the ideals and actions you want to become.
      2. You have a responsibility to say and do your best because you are influencing the people around you. This is especially true for the people you love and care about.
    3. What you read greatly influences you.
    4. The music you listen to, the TV you watch, etc. etc.
  5. If you are around someone in need, and your glass is empty, you have nothing to give. You can only give what you have. And the more you have the more you can give. You have a moral responsibility to fill yourself with good things so you can give to those around you, especially those you love.
  6. If you don’t control what is going into you, you become like your environment, gray, colorless.
  7. But you can begin to change at any time by deciding what you want to become and then filling yourself with people, thoughts, books etc. etc. etc. that support that ideal of what you want to become!
Don’t Forget To Maintain Your Property!

Don’t Forget To Maintain Your Property!

Location, Location, Location…….We have all heard it and understand it.  After you buy your home, we need to maintain our homes to retain value and improve our asset.  If something breaks or no longer is appealing, we need to address it as soon as possible.

Man Cleaning Gutters

Curb appeal is HUGE!  Overgrown landscaping should be thinned out, cut back or replaced.  Doors and trim need repainted or replaced.  Outdoor light fixtures should be working or replaced with new ones.  Also, those gutters that catch the roof water should not be used as gardens – clean them out.  If you don’t belong on a ladder, hire the neighbor kid.  You’ll get your gutters clean and the neighbor kid will make a few bucks.  Severally cracked or chipped driveways and garage floors should be replaced or in some cases, the garage floors can be refinished at a much lower cost.  When it comes to concrete, don’t hire the neighbor kid, hire a professional.  We’ve seen concrete work that looks like a kid did it.

If you’re not sure what to do to enhance the value of your home, call us at Homan Real Estate.  We’ve been helping people get the most for their homes for 57 years!

Homan-LogoTom & Dave Homan
Homan Real Estate
419-678-3229

Love Is In The Details

Love Is In The Details

Weddings, first and foremost, are personal events. This is why many soon-to-wed couples make sure that their weddings are very personalized, incorporating bits and pieces of themselves that reflect who they are and, in a way, tell their story.

Our philosophy is that even the smallest of details matters because after all love is in the details.

Romer’s Catering is a full-service wedding and event planning company founded on the belief that weddings can be beautiful and elegant, yet affordable. Family owned and operated, Romer’s Catering delivers an unmatched level of inspiration, imagination, and innovation to create your perfect day. We strive to create one-of-kind events that truly represent your style.

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At Romer’s Catering, we pride ourselves in creating a truly unique experience for you and your guests. All couples are different and so should your wedding, which is why we don’t offer the typical wedding and event packages. We know your time is important and we provide couples with an invaluable service during a time in their lives when stress and worry should not be at the forefront. From the engagement to the wedding day, many underestimate the planning process. Using Romer’s Catering is a reliable way of ensuring a stress-free day and a flawlessly executed event.

While infusing creativity into each individual function, our work is supplemented by personal touches that reflect your individual style and character. Through the guidance provided, we incorporate the kind of thoughtful details that reflect your unique love story.

Although we have set packages so that you can predict your costs for getting what you need, we tend to personalize packages so you get exactly what you envision for your special day. We will gladly help customize any of our services to fit your needs. Let our staff with an eye for design detail and a love for putting together beautiful, memorable experiences make your vision a reality.

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Fall is the time for planting!

Fall is the time for planting!

With cooler temperatures, shorter days, and higher moisture in the soil, now is a good time to install any trees, shrubs, or perennials in your landscape. The cooler days allows for less watering and faster growing roots in the soil. September is also the best time to install grass seed. October 1st is the typical deadline for seeding so you get a good stand before winter. Seeding is rather easy if your a do-it-yourself kind a person. Just work/level the soil, apply seed, apply fertilizer, spread a light layer of straw, and water to keep the soil moist. If done right, you can be mowing your new grass in less than 5 weeks!
Fall Tree Sale
Need help with any of these landscape projects? Just give us a call/text at 419-953-1238. We can supply you with the plants, topsoil, straw, mulch, or gravel you may need. We offer delivery of any of these products also! If you don’t have time to take care of it yourself, let us know and we can give you an estimate for installation services. Visit our website to learn more! www.uhlenhakelandscapeanddesign.comUhlenhake-partner-page-featured-image
Crucial Conversations: A Crisis Is A Terrible Time To Talk

Crucial Conversations: A Crisis Is A Terrible Time To Talk

A crisis is a terrible time to talk, and here is why.

For thousands and thousands of years almost every crisis a human faced was a physical. Think about it.

  • We were hunting a wooly mammoth or running from a tiger.
  • We were using a spear or running from a spear.

We have been trained to very quickly go into crisis mode – fight or flight – when a crisis exist, and for very good reason. These are not situations where we have time for a lot of thought. This “training” takes on some very real physical attributes.

The hairs on the back of our neck actually do stand up. Then our adrenal glands start pumping adrenaline into the bloodstream. Blood in our brain literally moves away from cognitive thought processes and into reactive parts of the brain responsible for fighting or running. Blood also rushes to our muscles and our brain gets even less. Lastly, to help us all survive, this reaction spreads to those around us. Simply seeing someone else in crisis makes us go into crisis mode.

All of this served us very well when almost all our crisis situations were physical and they still do serve us well in a physical confrontation. If someone breaks into your house with a knife, you want all this to happen so you can protect your family.

The problem is, most of our crisis today are not physical, they are crucial conversations and situations, but often our bodies still react in exactly the same way. This is a problem, because the outcomes are going to be disastrous nearly every time. Consider the table below.

 

Body’s Physical Reaction
To Adrenaline

Effect During A Physical Threat

Effect During A Crucial Conversation

Increasing the heart rate, increasing blood pressure

Intensity of emotions increased

Decide based on feelings, not thought out. Words are not chosen well. Our enunciations are laced with emotion.

Redistributing blood to the muscles, expanding the air passages of the lungs.

Increased physical strength and endurance

We can argue much longer than is good. We can go off on tangents for far too long.

Increased activity in the reactive part of the brain and away from cognitive thinking

Make quick reactive decisions.
Brain needs to WIN NOW!

Extreme sense of urgency.

We want to win this argument even if it hurts our long term cause or situations

Skin becomes flushed or red, enlarging the pupil in the eye

Warns those around us there is a physical threat. Scares predator away, brings friends to our aid.

Causes others in the conversation to also go into crisis mode. Conversation nearly impossible.

In short, we face our crucial conversations with the intellect and thoughtfulness of a grizzly bear.

OK, so we know this happens, what should we do about it.

  1. Recognize when a conversation is crucial. This may be easier said than done but if you look for just a few things, you can do it.
  1. Is the subject or situation something that is important to me?
  2. Have my words suddenly become stronger? Often people have certain words they normally don’t use but when they start into crisis mode, the words come out. (Hint: if you language is normally laced with expletives, stop using them and then when you do you’ll know you are in a crucial conversation)
  3. You step forward, move forward in your chair or cross you arms in front of you.
  4. You interrupt the person who is speaking.
  5. Any of these things are done by the person you are speaking with.
  1. Listen actively. If you sense the conversation is crucial, you can listen actively.
  1. Closely listen to the person and let the completely finish their thoughts.
  2. Then you say, “Just so I’m sure I understand you correctly: You’re telling me…” and paraphrase what they said back to them. This gives you time to actually think and, if you sincerely want to understand them, they will know you care, and will often calm down.  Responding with sarcasm does NOT count as active listening!
  1. Exit the conversation well. In this move you want to not make a decision or say anything you may regret, but also not just ignore the conversation or situation.
  1. “I’m sensing we both care a lot about this. I think we should take a little time here to think out what we really want to accomplish. Let’s not talk about this anymore not but get back together in an hour and at that time start by considering our long term goals first.” This method does the following:
  1. Takes a break from the immediate crisis.
  2. Recognizes it is important by setting a follow up time.
  3. Changes the emphasis of the conversation from this minute to long term.

Special consideration for couples, business partners or teammates! Often times these skills are used the least with people we care about the most or have the most “on the line” with. Why? Because our emotions are strong with these people and we expect them to listen better to us. This simply isn’t true.

So with those closest to you, agree on a word or phrase anyone can say that will end the current conversation and signal that everyone should retreat to separate rooms or safe places. This will only work if it is respected and strictly obeyed by EVERYONE, EVERY TIME, NO EXCEPTIONS. If you do this though, it is very powerful. After a while the sense of respect you have for each other goes up dramatically and your ability to discuss important things while remaining calm is greatly improved. You both will have a greater sense of security around each other and you will be far more open. But if you break the “rule” and don’t end the conversation when the other person asks you to, you lose their trust, respect, and ability to have crucial conversations. This is a big deal!

All this comes from a fantastic book called Crucial Conversations by Kerry Patterson. I strongly recommend it to everyone. You can all attend courses. See VitalSmarts.com.

 

Why I chose to encapsulate my placenta

Why I chose to encapsulate my placenta

While carrying Adler, I knew that breastfeeding was my only option. In my mind, it was going to be this awesome bonding experience, and I was going to be Wonder Woman, exclusively breastfeeding, being an awesome mom, working full time, DOING IT ALL. I had done all the research, thought I had all the answers, and we were ready for our little man. I labored all day, and we were so anxious to meet our baby boy. When he finally arrived, after over 12 hours of an epidural, pitocin, IV drip, and absolutely nothing to eat, labor got the best of me. I remember about an hour after he was born ­ we giggled at just how big he was (9lbs, 13oz to be exact) and just how simply in love we were. After our family members took a quick peek at him, it was time to nurse him for the very first time. I remember the nurse helping me, and it seemed like everything was going the way I envisioned ­ then I started dry heaving. So in my big mama debut, my OB/GYN was finishing up everything “downstairs”, Luke was doting over our little man, the nurse is trying to get Adler to latch, and my mom is holding the puke bucket over him so that in case I barfed, the baby would be safe. And they said motherhood was glorious. I was exhausted and the nurse said that it would be best to give Adler formula for overnight, and that it was most likely all the medicines I had that day making him drowsy. She promised tomorrow would be better.

 

I woke up ready to take on the challenge, excited to hold him again and nourish him. But it wasn’t going better, I began feeling overwhelmed and defeated, but I assured myself that my feelings were normal, and just like anything else, time would fix the problem. And temporarily, I felt like it was getting better. Adler seemed to be finally latching and getting his rhythm down, but he never seemed satisfied after nursing. And I began the uphill battle of feeling inadequate, and like the worst mom in the world.

Our struggle with breastfeeding went on for 5 long, agonizing months. Numerous calls to the La Leche League. Sobbing, sobbing, sobbing. Taking every supplement that even hinted at being a milk supply booster. More sobbing, sobbing, sobbing. And then finally deciding to throw in the towel, giving in to formula feeding, which brought in a whole new set of emotions. As much as I dreaded the failure I was feeling while breastfeeding, I still didn’t want to stop. It was this awful cycle, and my feelings of failure lasted quite awhile.

Fast forward to December 1, 2012 and a positive pregnancy test. I sat in my bathroom and cried for at least a half hour. Another baby was not in our plans, and I was definitely not ready to ride the emotional roller coaster that I knew breastfeeding was going to be. After my 2 month pity party, I knew their had to be a better way, and was determined to never experience how I felt again. I was desperate to not go through that battle again, and was willing to do ANYTHING to fix the problem. I remember typing every phrase under the sun into the google box, and there it was ­ placenta encapsulation.

I had heard of Holly Madison and January Jones doing this very thing, and Hollywood and the what not going to town on their own thoughts of how ridiculous it was. And believe me, I was skeptical and a little grossed out too, but after seeing success after success of everything I was feeling post pregnancy solved by this little miracle, I was all in. Thankfully for me, I have world’s greatest husband, who said he was also all in, and was so all in that he would encapsulate it himself. Ladies and Gents ­ Luke Craft, Husband of the decade. Thankfully for me, both my OB/GYN and delivering hospital were also on board.

Over the next few months while carrying Oliver, we organized our game plan and how we were going to get this accomplished. We bought a food dehydrator, pill encapsulation kit, and watched a lot of you tube videos. We brought the placenta home in a Styrofoam cooler, and then Luke cleaned off the umbilical cord and sac, cut it into strips, and dehydrated it for over 15 hours. When that was completed, he ground it up in the food processor and filled vegetable pill capsules until it was all gone.Placenta Encapsulation 1

It was less than 4 days after Oliver’s delivery before I started taking the pills. Within 48 hours after the first one, I noticed a huge difference in just about everything. I felt rested, I was healing faster, and I was pumping anywhere from 12-­18 ounces, just in the morning. Originally, I had planned to start stocking a supply for my return to work at about 4 weeks. And like last time, I was really wanting to exclusively nurse Ollie; but similar to Adler, he was a lazy eater, and it ended up working out better to just pump and bottle feed my little champ. Plus, with that amount of a supply, and a wild toddler, I just didn’t have the time to nurse for 20-­30 minutes then pump right after for the same amount of time, to turn around and do it all over again in another 2 hours. 12 days postpartum I returned to crossfit, and I by no means am a I crossfit warrior, I just felt that great. I had the energy to keep up with the housework, chase around Adler, and tend to baby Ollie. And by my return to work 7 weeks later, I was fitting into most of my pregnancy clothes.

Not to mention, my deep freeze could not hold all the milk I was producing and had to stock. And when my deep freeze was full, I took over the 3 drawers in the freezer at my job, and then I took over my Grandmas and a co workers deep freezer. At first we kept our decision to encapsulate my placenta pretty private. When we did share, most people were intrigued, some found it gross, and others seemed pretty neutral and just curious for how it would work. Since Ollie’s birth, I have had a couple people share their own struggles with me, and I have found myself wanting to shout out our success and share our solution because no mama should ever feel how I felt. No mother should ever feel inadequate and defeated.

Some people have told me that there was probably another solution to what my struggles were, and maybe they are right. Maybe there was medication I could have taken for the post partum blues, lack of supply, and just overall stress level. But hands down, I will swear by our choice to encapsulate my placenta, and will not think twice about doing it again in the future. One little google search saved my life, and allowed me to be the mama I wanted to be.

I’ve chosen to be open about my placenta encapsulation so that other women know that this process is amazing and our bodies truly are meant to heal and nourish themselves. I began offering the encapsulation service locally over a year ago and numerous moms have been so thankful to have theirs done right here in their community! Feel free to contact me with more questions, concerns, or if you just want to know more of the science surrounding the placenta.

Kylie Craft | Essential Oil Educator

(419)733-5194
Buying a home but don’t have much of a down payment? No worries!

Buying a home but don’t have much of a down payment? No worries!

The FHA mortgage is the perfect mortgage for those buyers that do not have a lot of money for a down payment on the purchase of a new home.  The minimum down payment required for an FHA loan is 3.5% of the purchase price. The closing costs will also need to be paid by the buyer.  However, the FHA loan does allow the seller to contribute up to 6% of the purchase price towards closing costs.  If the seller agrees to assist with the closing costs, this information will need to be listed in the purchase contract.

2000px-US-FederalHousingAdmin-Logo.svgThe interest rate for the FHA loan is fixed for 30 years or 15 years.  There is mortgage insurance on an FHA loan: upfront mortgage insurance and monthly mortgage insurance. The upfront mortgage insurance is 1.75% of the loan amount, and FHA allows this amount to be financed into the loan.  There is also monthly mortgage insurance, which is based on a percentage of the loan amount.  The monthly mortgage insurance is paid with your mortgage payment each month.  However, the monthly mortgage insurance lowers each year as the balance of the loan decreases but it never completely falls off of the loan.

FHA financing requires the home to pass the 3 “S” Test – safe, sound, and secure.  There cannot be any peeling paint, which is typically found on windows and door frames.  No foundation or roof issues and utilities must be on at the time of the appraisal.  If the items are found to be an issue during the appraisal, often times the items are able to be fixed, and the loan is able to close.  Borrowers and sellers just need to be willing to work together to resolve the issues.

Overall, this product requires a minimum of 620 credit score and there is no penalty for paying it off during the term of the loan.
Call Annette or Jayme at Dynamic FCU 419-586-5522 for additional information.

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Summer Watering

Summer Watering

July and August tend to be very hot and dry in Ohio so watering plants is an important landscaping task this time of the year. Proper and adequate water is critical for plant survival and new root growth. Water should be applied as needed, not by a calendar or clock. Treegator discount imageThis requires careful monitoring of the root ball (area at the base of the plant) to ensure it’s moist but not overly wet or dry.
A slow, gentle soaking of the root ball is the preferred way to water large trees. Trickle water over the root ball for 30-60 minutes 2x a week. Using gator bags to slowly water trees is also a good practice. Fill the bag with water once a week (twice a week during drought periods) and it will keep the tree root ball well watered.For newly planted shrubs and perennials, water them at least 3x a week for the first 4 weeks. After that, water them at least 2x a week (depending on rainfall) until the ground freezes in November. How much to water each time? – If using a hose, turn on the faucet half way and hold over the center of each plant for 20-30 seconds until water starts running off the ground. Let it soak into the soil for a minute and then water them again for up to 10 more seconds.

The #1 reason new plants die is due to under watering! BUT, over watering can also be a problem. Poor drainage and saturated soil due from over watering displaces oxygen from the roots and results in transplant death. Avoid this by constantly monitoring the soil moisture level of the planted root ball itself. Plants should always be watched for the need of watering up to 3 years after planting. In extreme dry conditions, watering all landscape plants may be required no matter how old they are. Don’t get caught out in the dry so keep an eye on your landscaping!

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0% is Pretty Enticing for an Auto Loan, is it really worth it?!

0% is Pretty Enticing for an Auto Loan, is it really worth it?!

As a loan officer, I often hear from our members that the dealership offered 0% financing on their new vehicle loan. Well, 0% sounds pretty darn good, and it is definitely a rate Dynamic FCU cannot beat.

However, with vehicle rates so low,  it may be worth doing some calculations to determine if it is 0% is really the best option. For example, a 2016 vehicle priced at $30,000 financed at 0% for 72 months would be an approximate monthly payment of $470.00 a month.

Now compare this option, to a dealer incentive/rebate of $3,000 off the purchase price.  The purchase price is now $27,000 and Dynamic FCU is able to finance this amount for 72 months at an interest of  3%.  The monthly payment would be approximately $411 a month, and the total interest paid on the loan the 72 month term is around $2563.

In my opinion, the second option sounds better to me.  I start out owing less on the car and I get a lower monthly payment. Even after I pay the interest due on the loan I still end of $437 ahead when compared to the 0% financing.

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