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People spend an average of 90 percent of their time indoors. Studies conducted by the Environmental Protection Agency (EPA) show levels of several common organic pollutants to be two to five times higher inside homes than outside. Many of these pollutants come from the volatile organic compounds (VOCs) released from household cleaning products. Indoor pollutants can be reduced by limiting the number of chemicals used indoors. By following three basic guidelines you can improve your indoor environment, save money, and help conserve natural resources.
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This publication presents helpful information about bed bugs and ways to reduce the risk of bringing them into your home. The circular includes a helpful guide to shopping for secondhand items.
For a handy quick-reference guide, download the <a href="https://secure.caes.uga.edu/extension/publications/files/pdf/C-1108-2-page-version.pdf">two-page version of Circular 1108, Don’t let the bed bugs bite.</a>
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The implementation of horn fly control measures, such as aerosols, bait, strips, foggers, dust bags, traps, oilers, ear tags, pour-ons, natural predators, and insect growth regulators is instrumental in reducing the new infection rate, while existing mastitis cases can be eliminated with antibiotic therapy. Such management practices will promote animal health and well-being, enhancing producer profits by ensuring that heifers calve with low sec and the potential for maximum milk yield.
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C 1110
Before You Invest
Saving and investing are critical steps to achieving your financial goals. Although these terms are often used interchangeably, they are quite different. Understanding the differences between saving and investing is the first step toward reaching your financial goals.
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If you need a particular type of insurance, it is better to have it even if you never use it. The hard part is knowing the difference between insurance you need and insurance you are better off without. Many people purchase insurance without knowing whether they need it or not. Unless you fully understand insurance, you may be wasting money on insurance products you don’t need.
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C 1112-2
Ways to Save for Retirement
Retirement is just around the corner, and it is important to begin planning and saving for retirement as soon as possible. In order to maximize your savings, it is important to understand the various types of tax-advantaged retirement plans available individually and offered by employers.
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C 1112-1
Key Issues to Consider
Retirement is a time to relax and enjoy life. Unfortunately, not all of us will be assured a plush retirement home, lots of free time, and world travel. This publication includes some important things you should know about planning for retirement.
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C 1113-3
Financial Power of Attorney
A power of attorney is a legal document that allows another person to act on your behalf. The individual who gives the power is called the principal, and the designated person who is given the power is known as the agent or attorney-in-fact. The agent does not have to be an attorney and can be anyone you choose. It is advisable to make sure to choose an agent who is trustworthy, honest, and competent. The classification of a power of attorney will vary based on the amount of authority given to the agent as well as on the timing of duties for the agent. The four classifications include limited or special power of attorney, general power of attorney, durable power of attorney, and springing power of attorney.
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