family & consumer sciences homemaker newsletter...
TRANSCRIPT
Cooperative Extension Service Daviess County 4800A New Hartford Road Owensboro, KY 42303 (270) 685-8480 Fax: (270) 685-3276 www.ca.uky.edu/ces
FAMILY & CONSUMER SCIENCES
Upcoming Events/Meetings December 25 - January 1
(Extension Office Closed)
January 18 Martin Luther King, Jr. Day Observance
(Extension Office Closed)
January 19 February Lesson Leader Training, 10:30 a.m.,
“Technology - Is There An App for That?”
March Lesson Leader Training, Noon “Extending Your Wardrobe Investment”
January 19
Advisory Council Meeting, 4 p.m.
2016 KEHA State Meeting April 18-21, 2016
Northern Kentucky Convention Center
The 2016 KEHA State Meeting will be held at the Northern Kentucky Convention Center. Lodging room blocks are available at three hotels. Rates and detail for each are included below.
Reservations will be managed through the Northern Kentucky Convention and Visitors Bureau. A website is available for reserving your rooms and accessible at: http://www.keha.org/
The web page will automatically display the hotels available at the special rate, will reserve rooms within the established block, and is open for reservations at any time.
Marriott RiverCenter - $129 + tax (Rate includes complimentary wireless internet.) The Marriott RiverCenter is connected to the Northern Kentucky Convention Center via an enclosed pedway.
Embassy Suites RiverCenter - $139 + tax (Rate includes complimentary wireless internet, complimentary self-parking, hot breakfast daily and a daily evening reception.) The Embassy Suites RiverCenter is located across the street from the Northern Kentucky Convention Center. Guests will have to cross outdoors to enter and exit the convention center.
Radisson Riverfront - $119 + tax (Rate includes complimentary wireless internet, complimentary parking and shuttle service to the convention center as available). The Radisson Riverfront is located one mile from the Northern Kentucky Convention Center.
Homemaker Newsletter
Lesson for January Let the Consumer Beware
Roll Call Name a New Year’s Resolution you have made
and the longest you have stuck to one.
Thought of the Month Snowflakes are one of nature’s
most fragile things, but just look what they can do
when they stick together. - Vesta M. Kelly
https://www.facebook.com/DaviessCoFCS
January 2016
Pillowcase Sewing Workshop (to benefit Camp for Courageous Kids)
February 16 10 a.m.- 2 p.m.
March 3 5 p.m. - 8 p.m.
More Information to Come!
If you have any questions, please call Jean Chapman or Edna McCrady.
Crispy Yogurt Baked Skinless Chicken
(Serves 6) ¾ cup low-fat plain yogurt 1 teaspoon salt 2 teaspoons Worcestershire Sauce ½ teaspoon paprika ¼ teaspoon hot pepper sauce
¼ teaspoon garlic powder 2¾ pounds whole chicken, skinless, cut-up ½ cup dry bread crumbs ½ cup rolled oats, dry 1. Pre-heat oven to 350°. 2. Coat a 9 x 13-inch pan with non-stick
cooking spray. 3. Mix yogurt, salt, Worcestershire Sauce,
paprika, hot pepper sauce, and garlic powder. Set aside.
4. Mix bread crumbs and oats. Dip chicken in yogurt mixture; roll in dry mixture.
5. Place chicken pieces in pan. 6. Bake uncovered until thickest pieces
are done, about 1 hour. Nutritional Information: 330 Calories; 1g dietary fiber; <1g soluble fiber; 8g total fat; 147 mg cholesterol; 1mg vitamin B-6; 1mcg, vitamin B-12; 23mcg folate; 108mg calcium; 671mg sodium; .15g omega 3 fatty acids. Sources University of Kentucky publication: Recipes for Heart Health (Source for this Publication - University of Kentucky used: Eat to Your Heart’s Content Nutrition and Recipe Book, National Health Video, Los Angeles, CA. 1990.)
The 2016 SNAP-Ed Calendars are now available at the Extension Office. These calendars provide a new healthy and budget friendly recipe for you to try each month as well as health and nutrition tips.
If you would like a calendar, please feel free to stop by the Extension Office to pick one up!
2016 Snap-Ed Calendars
Happy New Year Look For The Good
In the New Year, let's resolve to get less stressed, upset, anxious
about things over which we have no control. Lets have a narrower focus on our lives, loving and helping our family and friends,
making our community a better place to live, to create peace and contentment.
In the New Year, let's resolve to pay less attention to depressing stories on TV, in magazines and newspapers, and to stop focusing on what we want
that we haven't got, instead of appreciating
the many blessings we do have.
In the New Year, let's look for the good. We may have to search
through a mass of negative media, but the good is there,
all around us.
I wish for you a New Year filled with good, engulfed in serenity and happiness!
By Joanna Fuchs
Mary Higginbotham Daviess County Extension Agent
for Family and Consumer Sciences [email protected]
270-685-8480
The Cooperative Extension Service prohibits discrimination in its programs and
employment on the basis of race, color, age, sex, religion, disability, or national origin.
To file a complaint of discrimination, contact Tim West, UK College of Agriculture, (859) 257-3879; Terry Allen, or Patty Bender, UK Office of Institutional Equity and Equal Opportunity, (859) 257-8927; or the USDA, Director Office of Civil Rights, Room 326-W Whitten Bldg., 14th and Independence Ave. SW, Washington, DC 20250-9410; (202)720-5964.
On May 25, 2016 the Daviess County Extension Homemakers will travel to Lexington, Kentucky to participate in the FREE Ovarian Cancer Screenings offered by University of Kentucky Markey Cancer Center. This will be a day trip, and we plan to carpool and take the Extension office van. Please mark this date on your calendar if you would like to participate. More details will be provided closer to time. For more information about the Ovarian Cancer Screening Research Program please visit - http://ovarianscreening.info/.
SAVE THE DATE!
2016-2017 Scholarship Applications Available
The Daviess County Extension Homemakers annual scholarship applications are now available at the Daviess County Extension Office, and can also be accessed on the Daviess County Extension Office website at:
https://daviess.ca.uky.edu/Daviess%
20County%20Extension%20Homemakers Must submit completed application no later than March 15, 2016.
42nd Annual Ag Expo
The 42nd Ag Expo will be held at the Owensboro Convention Center on Wednesday, January 27, 2016. There is no charge for attending the Ag Expo.
Green River Area Extension Family and
Consumer Sciences agents will be conducting a Plate It Up Kentucky Proud food preparation demonstration and samples.
Highlights of the day include a large agriculture industry trade show, spotlighting programs offered through the University of Kentucky Cooperative Extension Service, concurrent agricultural education programs, and a banquet meal followed by remarks provided by Kentucky Commissioner of Agriculture, Ryan Quarles, regarding his vision for Kentucky Agriculture.
We hope to see you there!
Book Review
The 13th Gift by Joanne Huist Smith
A must read before next Christmas!!
This is a true story about the everyday miracles that can occur during the holiday season. It is a heartwarming reminder that with love, community and family, even the most broken hearts can be mended. Recommended by Beth Horn, South Hampton Homemakers Club
The next Brown Bag Book Club meeting will be January 29, 2016, 11:30 a.m. at the Extension office. Please join us. Call Leila Gaines for more information at 270-281-5472.
Measuring Your Financial Health in the New Year
Have you ever heard someone discussing his “financial health?” Financial health refers to how well a person is doing financially and is
based on a number of factors. Much like going to your family doctor for yearly checkups, it is a good idea to perform a financial checkup from time to time.
Unfortunately, it can sometimes seem overwhelming to measure your financial health because of all of the factors included. What further complicates measuring your financial health is the fact that financial advisors and firms often recommend different ways of doing so. However, measuring financial health can include more subjective measures such as your personal satisfaction with your financial status, the amount of financial stress you experience, and how financially independent you feel. In addition, you can also evaluate your financial health through more concrete measures.
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January 2016
Provided below is an overview of the various methods that a financial advisor may suggest in calculating your financial health. It is a good idea to calculate these values on a fairly regular basis. If you have questions, do not be afraid to reach out to a professional advisor who can answer them.
Do not worry if these ratios seem complicated. Numerous resources are available that can help you understand what each of these ratios means. What is important is that you are aware of what you need to consider when measuring your financial health.
• Liquidity ratio. Liquidity ratio refers to your ability to meet your necessary expenses when faced with an emergency, such as an unexpected home repair or medical bill. Itis recommended that you keep a three-to-six month emergency fund, meaning that an ideal ratio is between three and six. To calculate this ratio: LIQUIDITY RATIO = CASH OR CASH EQUIVALENTS ON HAND / MONTHLY COMMITTED EXPENSES
• Asset-to-debt ratio. This ratio compares yourassets, or those things that you own that havevalue, to your total existing liabilities. Liabilitiesinclude home loans, car loans, credit card debt,student loans, personal debts, etc. It is alwaysdesirable to possess more assets than debt.To calculate this ratio: ASSET-TO-DEBT RATIO =TOTAL ASSETS / TOTAL LIABILITIES
• Current ratio. The current ratio refers to yourability to meet short-term liabilities, whichinclude all of your debt repayments to be madein the current year. CURRENT RATIO = CASH ORCASH EQUIVALENTS/SHORT TERM LIABILITIES
• Debt-service ratio. This ratio refers to thepercentage of your income that is designated todebt repayment and the percentage of incomeremaining for other mandatory householdexpenses and savings. Lower ratios representbetter financial management. DEBT SERVICERATIO = SHORT TERM LIABILITIES / TOTALINCOME
• Saving ratio. The saving ratio is perhapsthe easiest to calculate and will provide youwith insight as to how well your financesare managed and how likely it is that youcan achieve your saving goals. SAVINGRATIO = MONTHLY SURPLUS / MONTHLYINCOMEGreeting cards.
• Solvency ratio. This ratio refers to your abilityto repay all existing debts using your assets inthe case of an emergency. You may wish to usea net worth calculator prior to figuring this ratio.SOLVENCY RATIO = NET WORTH/TOTAL ASSETS
Being aware of your financial health will help you to meet your short-term and long-term financial goals while avoiding unreasonable amounts of debt. Financial experts recommend calculating your financial ratios on a yearly basis, making any adjustments to your spending and saving patterns that you deem necessary.
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By:Kristyn Jackson, LMFT, Ph.D. Candidate, Department of Family Sciences, University of Kentucky
Jennifer Hunter, Ph.D. Assistant Professor / Extension Specialist in Family Financial Management University of Kentucky Cooperative Extension Service (859) 257-3290 / [email protected]
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