Michael Ellington, on the Vance County Cooperative Extension Report:
This segment talks about spring peepers and chorus frogs in an effort to answer some often asked questions about their spring-time appearance.
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When you buy a home, insurance is one of those non-negotiables that homeowners are faced with – a homeowners policy is a must-have have to protect what often is a person’s biggest investment.
But what if you rent or lease your home? N.C. Insurance Commissioner Mike Causey encourages renters to spend a little money to get coverage that protects your personal property against damage or loss and insures you in case someone is injured while on the rented property.
A landlord’s insurance is on the property itself, but it doesn’t cover the contents of the property – that’s a renter’s responsibility. And although renters’ insurance is not mandatory, there are landlords who do require a renter to have insurance on their personal property and belongings.
Using a recent apartment fire in Morrisville as a backdrop, Causey encouraged tenants to make sure they understand what’s covered in their renters’ insurance policy. “I think there is a misconception because some people may mistakenly believe the landlord may have some type of insurance, but the only insurance the landlord has is on the actual building,” Commissioner Causey said. “So, unless people have renters’ insurance, the loss is on them. It’s very inexpensive and it has so many benefits that people don’t think about above and beyond property loss.”
Renters’ insurance policies generally cover your belongings, medical expenses and even temporary housing if you are displaced. Renters’ policies could be as low as $25 a month
There are plenty of types of coverage to consider, including protection for personal belongings of people who live in the apartment, condo or home.
Coverage C is subject to a designated amount, agreed upon by you and the insurance company, which puts a limit on certain types of property that are susceptible to loss – including money, securities, and luxury items like jewelry and furs, for example. Talk to your insurance agent to insure these items and more, including manuscripts, stamps and coins, according to advice on the N.C. Department of Insurance website.
Insurance can protect renters against what the insurance industry calls “perils,” which include a range of weather-related issues like lightning, wind, hail and damage caused by the weight of ice, snow or sleet.
Other perils that the DOI website mentions include vandalism and malicious mischief, explosions, riots or civil commotion, smoke, aircraft, vehicles, theft and even volcanic eruption.
That last one most likely won’t come into play here in North Carolina, but if you live in an apartment and a neighbor’s pipes burst on the floor above you, having renter’s insurance could come in handy.
Coverage D is available to help with additional living expenses if your home is damaged to the extent that you can’t live there.
While it’s being repaired, you could get housing and meals covered, as well as warehouse storage.
Coverage D is normally limited, so it’s important to speak with your insurance agent to learn about the details.
Visit the N.C. Dept. of Insurance website at https://www.ncdoi.gov/ to learn more about renters’ insurance.
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Wayne Rowland, on the Vance County Cooperative Extension Report:
Composting can be a fun way to improve your soil and get rid of organic waste.
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The public-private partnership model of economic development is a popular approach that allows for a healthy cross-section of individuals to come together as a unified front to promote a particular area.
It’s a concept that members of the Henderson Vance Economic Development Commission wanted to learn more about, and HVEDC Director Ferdinand Rouse delivered at the group’s February meeting.
A driving force behind economic development is the desire to bring dollars and jobs to a community. Having a public-private partnership has numerous advantages, which Rouse reviewed with the HVEDC members.
Such a partnership, described as an implementation organization, usually is formed as a nonprofit organization that gets funding from both the private and public sectors.
According to research Rouse shared, one advantage of this model is that it is less susceptible to political changes. Other advantages include having access to greater capital investment, the ability to make decisions more quickly, maintaining operational flexibility while having access to governmental powers and resources and enhanced connections to businesses and potential prospects through private sector members
Potential downsides could include concerns about transparency, less direct governmental influence and the lack of strong relationships with public bodies to enact policy effectively.
After Rouse’s presentation, the board discussed potential structural changes to align with the public-private partnership model.
Rouse said they’d have to present the idea to the county commissioners and city council and then do some type of feasibility study to determine what the best approach likely would be.
Some communities, especially smaller communities, have merged with an existing organization like the Chamber of Commerce instead of forming its own nonprofit.
Nonprofit organizations can apply for grant funding from foundations like the Cannon Foundation, Golden Leaf Foundation, the John Hope Foundation and Duke Energy, among others, to help create the model they’re striving for.
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If you want to become a better dancer, you take dance classes. Want to improve your moves on the basketball court? You’ve got to be consistent with practice to get those reps in at the free-throw line or from behind the arc.
Dancers and basketball players aren’t bad at dancing or playing ball, but they take classes or hit the gym regularly because they want to be better at something that’s important to them.
That’s the philosophy behind Positive Parenting Program – Triple P, as Kimiko Williams calls it.
Williams is a public health educator in Franklin County who administers Triple P in the four-county area.
She wants to break the stigma that the people who take parenting classes must be “bad” parents.
Triple P is for those who want to become even better parents.
She spoke with WIZS’s Steve Lewis on Thursday’s segment of The Local Skinny! and shared program goals and how parents can participate.
The Middle “P” in Triple P stands for parenting, and Williams said the program is designed for people who are in a parenting role – you don’t have to be a child’s biological parent.
“It’s for anyone who wants to help better understand how to work on behavioral issues with children,” Williams explained. Maybe you’re a grandparent who is raising grandchildren. Or perhaps you’re the guardian of a niece or nephew. Whatever the relationship, Triple P can help grownups come up with a set of tools, tips and strategies to de-escalate undesirable behaviors or to keep them from arising in the first place.
“Triple P is designed to help families figure out ways to discipline, enforce discipline,” Williams said. It helps people identify and understand which ways are useful for their own set of circumstances “to allow families to have a healthy loving environment.”
The Triple P concept began in the late 1970’s in Australia and later made its way to the U.S. Researchers worked with families in individual training sessions, making home visits and then offering suggestions for addressing particular problem behavior areas.
It’s all about working with families on ways to manage their child’s behavior effectively and confidently, she said.
“We all want children to grow to be healthy, well -rounded people,” Williams said. “The goal is to do it in a way that we’re not threatening our children, that we feel comfortable and confident as a parent…making sure that we’re raising them in a way that is conducive to that particular family.”
Consistency is a key component, she explained. So is understanding about natural development. She wants to make sure that parents have realistic expectations of their children, too.
Parenting can be a lot – with work, home and all the day-to-day things, it can be overwhelming.
Triple P helps parents realize that parenting isn’t an impossible task and works to break down the problem to figure out what’s triggering the issue.
“If you want them to be respectful, you have to teach them,” Williams said. “Children are not born knowing what to do.”
It may take some time – more than once, twice, three times or more – for children to understand what it is you need and require of them.
Triple P helps parents manage those certain situations without becoming overwhelmed…having a specific strategy or strategies can help a parent remain calm and help them to think through the situation before it even happens, she added.
Want to learn more about being a participant or about becoming a Triple P practitioner? Contact Williams at 919.496.2533 ext 2335 or klwilliams@franklincountync.gov.
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Jamon Glover, on the Vance County Cooperative Extension Report:
We continue our new series called Leading Your House. Today, we talk about discipline and how discipline doesn’t mean punishment but it means training. We also address how we should carry out discipline properly.
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