Wednesday, January 21, 2026
Home Blog Page 4639

Online shopping safety tips

0
Daniel Foster

Adapted from MU Office for Financial Success Finance Tip of the Week blog post by Ryan H. Law, M.S., CFP®, AFC, Personal Financial Planning Department, Office for Financial Success Director, University of Missouri Center on Economic Education Director

After Black Friday and Cyber Monday, many people will continue with their holiday shopping both in stores and online, but it is important to do so safely. In either setting, you want to protect your private information. You should also be familiar with store information and store policies so that you know who to contact and how an issue or return can be resolved, if necessary.

Here are five additional tips specifically for shopping safely online:

  1. Be sure the website’s purchase page is secure. It doesn’t matter if the rest of the site is secure or not, but be sure the page where you enter your credit card information is secure. Here’s how you can tell: the browser should say “https” instead of “http” and you should see a lock icon somewhere on the page. Here is what the Amazon.com sales page looks like:You can see both the https and the lock icon, which means it is a secure page.
  2. Don’t purchase items from emails unless you can verify where they came from. You may get deals in your inbox from Walmart, Target, Amazon and many other reputable companies. Email marketing is cheap and effective. When you hover over the links in the emails from reputable stores, you can see that the link goes back to the company website. However, you may also get emails that say nothing more than this, for example:“Get the New 32GB iPad Sold for $31.08!”

    When you get this type of email and you don’t recognize the sender or the store name, you should be suspicious. Do NOT click any links within such an email, including the “unsubscribe” link! Just delete these emails immediately. They are spam and many have some kind of virus. If you don’t click on the links, you will be safe.

  3. Use your credit card to make purchases online. Never trust a website that doesn’t accept credit cards or that encourages you to pay using Western Union or something like that. Your credit card has built-in protection, as do websites like PayPal. If you never receive the item, you can file a dispute and your credit card company won’t charge you for the item.

For the remaining safety tips, view the full version of this article at http://missourifamilies.org/features/financearticles/cfe79.htm

Ice melters

0

There are five main materials that are used as chemical de-icers:
calcium chloride, sodium chloride (table salt), potassium chloride, urea,
and calcium magnesium acetate.
Calcium chloride is the traditional ice-melting product. Though it will melt
ice to about -25 degrees F, it will form slippery, slimy surfaces on
concrete and other hard surfaces. Plants are not likely to be harmed unless
excessive amounts are used.
Rock salt is sodium chloride and is the least expensive material available.
It is effective to approximately 12 degrees F, but can damage soils, plants
and metals. Potassium chloride can also cause serious plant injury when
washed or splashed on foliage. Both calcium chloride and potassium chloride
can damage roots of plants.
Urea (carbonyl diamide) is a fertilizer that is sometimes used to melt ice.
Though it is only about 10% as corrosive as sodium chloride, it can
contaminate ground and surface water with nitrates. Urea is effective to
about 21 degrees F.
Calcium magnesium acetate (CMA), a newer product, is made from dolomitic
limestone and acetic acid (the principal compound of vinegar). CMA works
differently than the other materials in that it does not form a brine-like
salt but rather helps prevent snow particles from sticking to each other or
the road surface. It has little effect on plant growth or concrete surfaces.
Performance decreases below 20 degrees F.
Limited use of any of these products should cause little injury.
Problems accumulate when they are used excessively and there is not adequate
rainfall to wash or leach the material from the area. Since limited use is
recommended it is best to remove the ice and snow by hand when possible.
When they are applied, practice moderation. Resist the temptation to over
apply just to make sure the ice and snow melts. Keep in mind this can damage
concrete surfaces as well as the plants and grass growing along the walks
and driveways. These problems are normally latent and do not show up until
spring or summer.

 

By: Ward Upham

Controlling volunteer trees

0

Though trees are a vital part of our landscapes, there are situations where
volunteer trees need to be controlled. This is often a case of the wrong
plant in the wrong place. If the tree is a desirable species, you may want
to consider transplanting in the spring. If it is not, active control
measures would be in order.
Most trees resprout after cutting though some don’t. Cutting those that
don’t resprout is an effective control method. For example, eastern redcedar
is a very common species that will not resprout after cutting.
Those that do resprout include Siberian elm, hackberry, osage orange
(hedgeball), oak, ash, aspen, cottonwood, maple, sycamore, willow and many
more. These trees will either need to be dug out or the cut stump treated
with herbicide after cutting.
Note that when we say volunteer trees, we mean those that come from seed
rather than suckers that originate from the roots of an existing tree.
The recommendations given in the remainder of this article are designed to
kill these volunteer trees. Using herbicides on suckers will damage and very
possibly kill the original tree. Trees that commonly produce suckers include
tree of heaven, honeylocust, black locust, hackberry, western soapberry,
cottonwood, aspen, poplar, willow and boxelder. It is also possible for
larger trees of the same species to be root-grafted.
Even though root-grafted trees are not suckers, they do share materials
between the individual root systems and therefore herbicides used to treat
one tree can be passed to its neighbor.
Let’s say we have a tree we want to control that is a volunteer and there
are no other trees of the same species close enough to be root-grafted that
we do not wish to harm. What do we do? If the tree is any size, you probably
do not want to dig it out. That leaves using a herbicide on the cut stump.
Basal treatments are also possible but that is beyond the scope of this
article. First decide what herbicide to use.
Triclopyr and glyphosate are the herbicides most commonly available to
homeowners. Triclopyr is found in many brush killers and glyphosate is found
in Roundup as well as numerous other products. Read the label before
purchasing to make sure that a cut stump treatment is listed.
Most often the undiluted product is applied to the stump immediately after
cutting. A paint brush is often used for the application though some people
will dip their pruning shears in the products immediately before cutting.
Regardless, it is important that the stump is treated immediately or at
least within 5 minutes. Note that a paint brush with foam rather than
bristles is less likely to drip.
Trees do not need to be actively growing to be controlled. Actually this
time of year is a very good time to treat as long as applications are made
when the temperature is above freezing.

 

By: Ward Upham

Poinsettia care

0

Modern poinsettia varieties stay attractive for a long time if given proper
care. Place your poinsettia in a sunny window or the brightest area of the
room, but don’t let it touch cold windowpanes. The day temperature should be
65 to 75 degrees F. with 60 to 65 degrees at night. Temperatures above 75
degrees will shorten bloom life, and below
60 degrees may cause root rot. Move plants away from windows at night or
draw drapes between them to avoid damage from the cold.
Poinsettias are somewhat finicky in regard to soil moisture. Avoid
overwatering because poinsettias do not like “wet feet.” On the other hand,
if the plant is allowed to wilt, it will drop leaves. So how do you maintain
proper moisture? Examine the potting soil daily by sticking your finger
about one inch deep into the soil. If it is dry to this depth, the plant
needs water. When it becomes dry to the touch, water the plant with lukewarm
water until some water runs out of the drainage hole, then discard the
drainage water.

 

By: Ward Upham

Abilene City Band performs at Eisenhower Presidential Library holiday open house

0

ABILENE, Kan. – The public is invited to the holiday open house at the Eisenhower Presidential Library, Museum and Boyhood Home on Sunday, Dec. 7. The Abilene City Band will perform a free concert at 2 p.m. in the Visitors Center Auditorium, followed by refreshments.

 

The concert begins at 2 p.m.; however, guests are encouraged to come early to see the recent renovations to the Presidential Gift Shop, which is located in the Visitors Center. Not only were structural improvements made, but new and exciting inventory has been added to make it the perfect spot to find that one-of-a-kind gift! Holiday shoppers will receive a 10% discount on all purchase.

 

“Each year we look forward to this concert, as it has become a time-honored holiday tradition for families,” said Karl Weissenbach, Director. “It’s also an excellent opportunity to view two outstanding exhibits — “World War II Remembered: Leaders, Battles & Heroes” in the Museum and “Be Ye Men of Valour: Allies of World War II” in the Library 2nd floor gallery.”

 

“The Abilene City Band is the second oldest city band in the state of Kansas and the Eisenhower Presidential Library is the perfect venue to see them perform. Abilene has opportunities for visitors of all ages including shopping, homes tours, craft show, and professional theatre,” states Glenda Purkis, Director of the Abilene Convention & Visitors Bureau (CVB). For more information on additional holiday activities or to create a custom getaway package, contact the Abilene CVB at 785.263.2231 or www.abilenekansas.org.