Preconditioning — weaning calves, vaccinating against respiratory and clostridial diseases, deworming, and bunk-breaking them for 30 to 60 days before sale — is one of the most effective ways cow-calf producers can add value before calves leave the farm. Buyers pay a premium because these calves arrive healthier and better adapted to feed. This typically reduces the number of … [Read more...]
We love a property that is listed higher than we feel we can pay because we would need to make some modifications. Do we make an offer and risk insulting the seller, or wait for the seller to reduce the price?
My advice: Make the offer rather than wait for a price reduction—and here’s why: • A price reduction may happen later, but another buyer could come along first, and you could miss out on the property altogether. • Your offer gives the seller an opportunity to respond. They may reject it, but attractive terms, a flexible closing date, or other conditions may encourage them to … [Read more...]
How do I know when to replace my tires?
With winter coming, you should be thinking about your tires. No one wants to go into that first snowstorm on bald tires. Tire tread is measured in 32nds of an inch. Depending on the type of tire, new tires typically start around 9-12/32”. As your tires wear, it’s important to have them checked on a regular basis and rotated if necessary. That way if there is any abnormal wear, … [Read more...]
Is my home contributing to respiratory concerns?
September is Peak Asthma Season for ER visits, according to the AAFA. Where we live and where we spend our time contribute to triggers and severity of an asthma attack. While we can’t control every environment, we can be aware of our own indoor environment. Start with one room where you spend the most time. Pay attention to three things: 1. Is there outdoor pollen or smoke, … [Read more...]
What does financial fulfillment actually feel like?
Feeling financially fulfilled means so much more than the number in your bank account. It’s being able to take your family out to dinner without calculating whether you can afford it. It means sleeping soundly on a Sunday night, knowing that if the water heater gives out tomorrow, you can handle it. Yet true fulfillment is surprisingly rare. Only 16% of Americans consider … [Read more...]
How Do I Teach My Dog to Settle While the Family is Busy?
Dogs don’t automatically know how to relax while the family is busy—they have to learn it! Teaching your dog to settle is an important skill that can make everyday life much easier. Start by choosing a comfortable spot, such as a bed or mat. Reward your dog for calmly staying there, gradually increasing the amount of time between rewards. Begin in a quiet environment and … [Read more...]
I carry my stress in my neck and shoulders, but why does it get tight there?
Think about where you carry a backpack, hoist a child, or shoulder a heavy load. Our backs and shoulders are remarkably well designed for carrying—and when life feels heavy, many of us brace in those same places. Sometimes the load is quite literal. Forty hours leaning toward a computer can strain a body that wasn’t designed to work that way. Better ergonomics, movement, or … [Read more...]
I decided to preplan for my funeral. What’s the best way to get started?
You did the hardest thing already: You have made the decision to pre-plan. Believe it or not, that really is the biggest decision. I would tell you to start by gathering information. Whether you visit our Planning Ahead page on our website, or another funeral homes, you should be able to find checklists or articles that can help. We actually have a free preplanning checklist … [Read more...]
Should I buy a warranty (Vehicle service contract)?
When I first got into the car business 12 years ago, I would have told you, “Don’t buy a VSC. I think it’s a waste of money.” But after 12 years in this business, I’ve changed my mind. I’ve seen repair costs and shop labor rates increase dramatically. When something major goes wrong with a vehicle, especially an engine or transmission, it doesn’t take long to have a … [Read more...]
Get Your Plumbing Ready for Cold Weather
September is a great time to start getting your plumbing ready for colder weather. Taking care of a few things now can help prevent frozen pipes and costly repairs later. Disconnect garden hoses and check outside faucets for leaks or damage. If you have water lines in a garage, crawl space, or other unheated area, make sure they are properly insulated and protected from … [Read more...]