• "Passport Day in the USA"


    On Saturday, September 17, the Department of State will host its third annual “Passport Day in the USA.” U.S. citizens throughout the country may apply for a passport book or passport card at all regional passport agencies and participating passport application acceptance facilities, including post offices and clerks of court.

    For this day only, U.S. citizens may apply directly at passport agencies without making an appointment. Both routine and expedited processing service may be requested. To reduce wait times on September 17, customers are encouraged to complete applications online at www.travel.state.gov, print the completed forms, and bring them to the passport agencies and acceptance facilities.

    Information about passport requirements
    National Passport Information Center toll-free at 1-877-487-2778 
    or TDD/TTY at 1-888-874-7793.




    --

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  • Hurricane Irene Updates and Preparedness

    The Weather Channel reports Hurricane Irene, the first hurricane of the 2011 Atlantic hurricane season, now has its sights set on the Bahamas and the U.S. East Coast. Irene is forecast to strengthen into a major hurricane by early Wednesday as it passes over the Bahamas.

    Storm Team 8 Tampa Bay reports that the more time passes, the less threat the rapidly strengthening Hurricane Irene appears to be to the Tampa Bay area. Irene grew into a Category 2 hurricane late Monday and the U.S. National Hurricane Center in Miami said it might continue to increase in strength. 

    For our Tampa Bay area residents,  it's never to late to prepare for severe storms, as the forecast has been known to change in the past. 
     
    USA.gov has plenty of resources to assist you in both pre- and post- hurricane situations -- for you, your family, your business, and your pets. 

    If you live near the path of a storm, Ready.gov recommends that you:

    Find more information about how to prepare for a hurricane.

    Don't let a disaster catch you by surprise -- Be prepared !

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  • Drop off Old Medications and Needles - Saturday, August 27th, 2011


    Get rid of your old medication and needles on August 27th

         The Pasco County Sheriff's Office will host pill drops at two (2) locations from 10 a.m. to 2 p.m. on Saturday, August 27th, where you can safely dispose of unused or expired medications and needles.  You simply drop off the items and no personal information will be required.  The Sheriff's Office will then properly dispose of the items so they don't end up in the landfill or water supply.

    The event will be held at the Gulfview Square Mall, 9409 U. S. 19 in Port Richey and the Shops of Wiregrass, 28211 Paseo Dr. in Wesley Chapel.  For more information please contact the sheriff's office at 800-854-2862.

    Information provided by the St. Petersburg Times Saturday, August 13, 2011 edition.

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  • Back To School Tips




    With the beginning of a new school year just around the corner, parents are wondering how to help their children do their best this academic year. According to a research study commissioned by Georgia’s Partnership for Reform in Science and Mathematics (PRISM), parents are the most influential people in the academic success of a child, ahead of teachers, coaches and spiritual leaders.

    This is good news, but many parents wonder how they can make a positive impact when they aren’t experts in the subjects their children are studying. Every parent can put his or her child on a path to school readiness and academic success. Here are some recommendations:


    ..:: Get Involved ::..

    • Studies show that students whose parents are involved in schools are more likely to resist negative peer pressure, more likely to graduate and to go to college, and less likely to have learning and behavioral problems.
    • One of the best things you can do to see that your child gets the most out of his or her education is to get involved and encourage them to do the same. Serving on the PTA or becoming a class parent assures that you know what’s going on so that your child can take full advantage of school events.
    • Encourage your child to sign up for extracurricular activities and take part, as a family, in school work days, spirit nights, donation drives and the variety of activities held throughout the school year.


    ..:: Maintain an Open Dialogue ::..

    • Don’t wait for a conference to talk with the teacher about a child’s progress. Students will be more successful if parents have an open dialogue with their children, teachers and school administrators from the start of the school year.
    • Be positive. Your child may be nervous about heading back to school, so be sure to model optimism and excitement about the new year. Your child will pick up on your good attitude. Also, let him or her know you're always available to talk about problems.
    • Discuss your child’s learning style and past successes and challenges with school. Ask questions about your child’s curriculum, educational track and expected benchmarks for the academic year. Notice when your child completes homework/assignments and provide encouragement. Praise your child for positive efforts even if you don't see the results yet.
    • Talk every day about the progress he/she is making in each class. Encourage your child to talk to teachers if he/she does not understand an assignment.
    • Almost every student approaches the start of a new school year with at least a bit of trepidation, and if your child has struggled with school in the past, he/she is much more likely to be less than overjoyed about heading back into the classroom. Remind your child that she is not the only student who is a bit uneasy about the first day of school. Teachers know that students are anxious and will make an extra effort to make sure everyone feels as comfortable as possible.
    • Point out the positive aspects of starting school. Refresh positive memories about previous years.


    ..:: Support Good Study Habits ::..

    • Create a homework center—a specific area in the house where your child can do homework each evening. Establish a regular homework time, making sure that it’s in a quiet place and stocked with enough supplies, such as pencils, erasers, paper, a folder or two, and a calculator.
    • Establish a household rule that the TV set stays off during homework time.
    • Supervise computer and internet use.
    • Be available to answer questions and offer assistance
    • Keep encouraging literacy at home. Read at least once a week with your child and make frequent trips to your local library.
    • Have a dictionary available for your child to look up new or unfamiliar words
    • All students need to be proficient in Science and Mathematics in order to be successful as adults. Communicate the importance of learning Science and Mathematics. From the kitchen, to the family car, balancing a checkbook and figuring out the discount on their latest purchase – Science and Mathematics surround us and enrich our lives in many ways.
    • When it comes to your child and school, don't forget that routines are your ally. From consistent bedtimes to a well-established homework zone, developing positive habits can help ease anxiety and promote appropriate behaviors.


    ..:: Be Prepared ::..

    • Children between the ages of 6 and 9 need about 10 hours of sleep each night. Preteens need a little over nine hours. Therefore, setting a regular sleep routine could improve your child’s sleep habits and schoolwork. Establish a reasonable bedtime so that they'll be well-rested and ready to learn in the morning.
    • Eat a healthy breakfast. Studies have shown that children who eat healthful, balanced breakfasts and lunches are more alert throughout the school day and earn higher grades than those who have an unhealthy diet.
    • Have your child organize and set out what they need the night before; Clothes should be laid out in their bedrooms.Homework and books should be put in their backpacks by the door. Pack light, a backpack should never weigh more than 10 to 20 percent of the student’s body weight. Always use both shoulder straps. Slinging a backpack over one shoulder can strain muscles and may increase curvature of the spine.
    • Encourage students to leave the iPods, cell phones and other electronic toys at home. Most schools ban them during school hours anyway -- and students have been robbed of their electronic items going to or from school. Teach your child not to share locker combinations with other students.
    • Encourage your child to keep a notebook or journal in order to write down the need-to-know info to help them remember details such as their locker combination, what time classes and lunch start and end, their homeroom and classroom numbers, teachers' and/or bus drivers' names, etc.
    • Use a wall calendar or personal planner to record when assignments are due, tests will be given, extracurricular practices and rehearsals will be held, etc.
    • Meet with the school nurse - This is especially important if your child requires any medications at school (for asthma, allergies, attention deficit disorder, etc.), has any allergies (foods, medications, bee, yellow jacket, etc. stings) or any medical conditions (seizures, heart conditions, etc.) that may restrict their participation in school activities.
    • Make sure students are aware of all school rules governing their behavior while in school.
    • Children may be embarrassed about being targeted by bullies, let them know it’s OK to report a bully to a teacher, principal or resource officer.
    • Prepare your child for social situations. A certain level of social anxiety is normal. Respond to signs of anxiety by talking to your child about school concerns. Make time to listen when kids want to talk - review your child's worries one at a time and help them problem solve so they don't become overwhelmed.



    Helpful Resources :

    School hours 
    Online lunch/snack payment  
    Immunizations 
    Free and reduced lunch application
    Check grades   


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  • Children's Health Insurance Program (CHIP)

    MEDICAID & THE CHILDREN’S HEALTH INSURANCE PROGRAM (CHIP)  
    offer free or low-cost health coverage to children and families.

    • If you are eligible for health coverage from your employer, but are unable to afford the premiums, some States have premium assistance programs that can help pay for coverage.  These States use funds from their Medicaid or CHIP programs to help people who are eligible for employer-sponsored health coverage, but need assistance in paying their health premiums. 
    • If you or your dependents are already enrolled in Medicaid or CHIP, and you live in a state offering assistance (Florida), you can contact the Children's Health Insurance Plan or your State Medicaid office to find out if premium assistance is available. 
    • If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, you can contact any of the groups listed here to find out how to apply.  If you qualify, you can ask the State if it has a program that might help you pay the premiums for an employer-sponsored plan:
    • Once it is determined that you or your dependents are eligible for premium assistance under Medicaid or CHIP, your employer’s health plan is required to permit you and your dependents to enroll in the plan – as long as you and your dependents are eligible, but not already enrolled in the employer’s plan.  This is called a “special enrollment” and you must request coverage within 60 days of being determined eligible for premium assistance. 
    • As a Florida resident, you may be eligible for assistance paying your employer health plan premiums. 
     To learn more, call for further information at 1-866-762-2237, or click here to go online to the FLORIDA MEDICAID website.





                        

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  • Stay Safe during a Lightning Storm





    "IF THUNDER ROARS, GO INDOORS"


    Since thunder and lightning storms happen frequently during the summer months, FEMA offers these tips on how to avoid injury during a lightning storm:
    • Avoid contact with corded phones.
    • Avoid contact with electrical equipment or cords.  Unplug electronic equipment well before the storm arrives because power surges from lightning can cause serious damage.
    • Avoid contact with plumbing and bathroom fixtures because they can conduct electricity: do not wash hands, do not take a shower, do not wash dishes or do laundry.
    • Stay away from windows and doors, and stay off porches.
    • Do not lie on concrete floors or lean against concrete walls.
    • If you're caught outside during a storm, stay away from tall trees. Avoid open fields, beaches, and boats on the water. If possible, seek shelter in a thick growth of small trees or in a low lying area.  Also avoid anything metal such as golf clubs/carts, tractors, bicycles, etc. Seek shelter in a car if possible, but avoid touching any of its metal parts. 
          Because lightning is unpredictable and can strike 10 miles outside of  any rainfall the risk to individuals and property is increased.   If you feel you hair standing on end (which indicates lightning is about to strike) squat low to the ground on the balls of your feet. Place your hands over your ears and your head between your knees. Make yourself the smallest target possible and minimize your contact it the ground. DO NOT lie flat on the ground.

          Lightning strike victims carry no electrical charge and should be attended to immediately.  The following are things you should check when you attempt to give aid to a victim of lightning:

    • Breathing - if breathing has stopped, begin mouth-to-mouth resuscitation.
    • Heartbeat - if the heart has stopped, administer CPR.
    • Pulse - if the victim has a pulse and is breathing, look for other possible injuries. Check for burns where the lightning entered and left the body. Also be alert for nervous system damage, broken bones, and loss of hearing and eyesight.
    Your chances of being struck by lightning are estimated to be 1 in 600,000, but could be reduced even further by following these safety precautions.

    Information provided by the Federal Emergency Management Agency (FEMA).

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  • Connect Socially With Tax Information


      Social Media Ways to Get Tax Information You Need 
    * Including ASL Videos and Tweets *
    IRS Summertime Tax Tip 2011-09

    If you prefer social media resources over hard copy documents, or you use your smartphone to work smarter, this will interest you!

    The Internal Revenue Service delivers the latest information on tax changes, initiatives, products and services through social media like YouTube, Twitter, Smartphone Mobile Apps, Podcasts, and widgets.

    Click here to watch how to connect with the IRS using the media list below.  

    Or choose a particular media tool from this list for details:
    1. IRS2Go Mobile App:  The IRS launched a smartphone application this year that lets you interact with the IRS using your mobile device. The mobile application can help you get your refund status and tax updates. IRS2Go is available for the iPhone or iTouch and the Android. 
    2. YouTube: The IRS Video Channels on YouTube provide with short, informative videos on various tax-related topics. The videos are in English, American Sign Language, and a variety of foreign languages.
    3. Twitter Follow along with IRS tweets which include tax-related announcements, news for tax professionals and updates for job seekers. Follow us @IRSnews.
    4. Audio files for Podcasts - The IRS creates audio files for use in podcasts. These short audio recordings provide useful information on one tax related topic. The audio files and their transcripts can be found in the Multimedia Center on IRS.gov.  These files are also available as podcasts on iTunes.
    5. Widgets - Widgets are tools that can be placed on websites, blogs or social media networks to direct others to IRS.gov for information. The IRS has developed a variety of widgets that feature the latest tax initiatives and programs. These widgets can be found on Marketing Express, the marketing site that allows IRS partners and tax preparers to customize their IRS communications products. 
    Just remember that the IRS uses these tools to share information with you. Do not post any confidential information on new or social media sites, especially your Social Security number or confidential information.

    The IRS will not be able to answer personal tax or account questions on any of these sites.  You can look up any questions you might have on their list of Frequently Asked Questions. You may also find help using the IRS Site Map.

    To find links to all of IRS’s social media tools, visit www.irs.gov and click on “IRS New Media.”
    Links:

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  • IRS Summertime Tax Tip 2011-04, July 13, 2011


     * A SUMMERTIME TAX TIP *

    If you need to resolve a tax problem, have tax law questions, or you’re more comfortable talking with someone face-to-face, call or visit your local IRS Taxpayer Assistance Center (TAC) where you can spread out your records and talk with an IRS representative across the counter. No appointment is necessary, just walk in or call to take advantage of any of these services:
    • Understanding a notice or letter you received and need face-to-face assistance, or telephone help  to understand what's next
    • Multilingual assistance takes away language barriers either in person, or over the phone with bilingual interpreters 
    • Making payments are accepted at your local IRS TAC. Just be sure you know tax period and type of tax for the payment you are making; and be sure to bring any IRS notice you received about it.
    • Free preparation of federal tax returns for Earned Income Tax Credit or whose income is less than $49,000 - on the current and prior year - basic tax returns
    • Apply for Individual Taxpayer Identification Number (ITIN) If you are not eligible for a Social Security number but need to file a tax return, bring the completed tax return, Form W-7, Application for IRS Individual Identification Number, and certified identification documents to your local TAC to apply for your ITIN and file your return. For more information, see Publication 519, U.S. Tax Guide for Aliens.
    • Alien Clearances Before leaving the United States, most aliens must obtain a certificate of tax compliance. This document, also popularly known as the sailing or departure permit, must be secured from the IRS before leaving the U.S. You can get the permit from your local TAC. For more information, see Publication 513, Tax Information for Visitors to the United States.
    • Tax Return and Tax Account Transcripts Do you need a copy of your tax return for financial aid or to obtain a mortgage? If so, a tax return or tax account transcript generally meet the requirements of these lending institutions. Visit your local TAC for free transcripts, typically available for the current and past three years.
    For TAC locations, business hours and an overview of services, click here, or visit www.irs.gov.   Just go to the “Individuals” tab and click on ”Contact My Local Office” in the left tool bar section under IRS Resources.

    Related Links:
    Contact My Local Office

    Publication 513 Tax Information for Visitors to the United States
    Publication 519, U.S. Tax Guide for Aliens
    Form W-7, Application for IRS Individual Identification Number

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  • LET'S EAT FOR THE HEALTH OF IT!
    Your food and activity choices each day affect  your health -- how you feel today, tomorrow and in the future.  The tips below are a good starting point toward a change for a healthy diet and a healthier you:
     More in-depth information can be found by following each topic link above and by visiting the Ten Tips Nutrition Education SeriesSample menus are available to show how all the recommendations for each food group and nutrient intake can be integrated into a weekly menu.  You can also find tips for eating out and key information on vegetarian diets, and more.

    Improving what you eat and being active will help you to reduce your risk of chronic conditions such as diabetes, heart disease, some cancers and obesity. 

    For additional resources check out:
    • www.DietaryGuidelines.gov
    • www.Health.gov/paguidelines
    • www.HealthFinder.gov

     Information supplied by the USDA Center for Nutrition Policy and Promotion



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  • New Sunscreen Labels to Help you Get the Best Protection


    Beginning next summer the Food and Drug Administration (FDA) is changing sunscreen labels to make it easier for you to pick a product that offers the protection level you want.  The labels will clearly tell whether a sunscreen protects against sunburn, skin cancer and signs of premature skin aging; and whether it is a broad spectrum product.

    Broad spectrum sunscreens with an SPF of 15 or higher will protect against all three.  Anything less than 15 SPF will only protect against sunburn and soon will be labeled with a warning that reads "Skin cancer/skin aging alert: Spending time in the sun increases your risk of skin cancer and early skin aging.  This product has been shown only to help prevent sunburn, not skin cancer or early skin aging".  Future labels will also include information on how much time a user can expect to get the declared SPF level of protection while swimming or sweating. 

    Spending time in the sun increases the risk of skin cancer and early skin aging.  To reduce this risk, consumers should regularly use sun protection measures including:
    • Use sunscreens with broad spectrum SPF values of 15 or higher regularly and as directed.
    • Limit time in the sun, especially between the hours of 10 a.m. and 2 p.m., when the sun’s rays are most intense.
    • Wear clothing to cover skin exposed to the sun; for example, long-sleeved shirts, pants, sunglasses, and broad-brimmed hats.
    • Reapply sunscreen at least every 2 hours, more often if you’re sweating or jumping in and out of the water.
    Follow this link for more information on sunscreen, basic information on skin cancer and skin safety.

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  • Grants funds allocated for Lacoochee Community Center

    After many years of wishing and hoping, the Lacoochee-Trilby communty received news that grant funds are being set aside for a communtiy center in Stanely Park. Many individuals across the county have been working to bring services to the Lacoochee-Trilby area and are pleased that a significant step has been taken toward building a communty center. The Pasco County Library, with grants funds, has offered a variety  of programs to citizens in the Lacoochee-Trilby area. The Library has brought laptops with aircards to the Boys and Girls Club, Trilby Community Center, and other locations to provide citizens with access to  Access Florida (food stamps/medicaid), employment assistance, as well as other programs.  Once the communtiy center is built, the Pasco County Library is hoping to offer an array of library services there. For more informaiton regarding the funding for the new community center read the article in the St. Petersbrug Times - $300,000 grant set aside for community center in Lacoochee

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  • Preparing Your Pets For Emergencies

    Protecting Your Pets

    Whether you decide to stay put or evacuate to a safer location, you will need to make plans in advance for your pets in the event of an emergency.  If you evacuate your home, your pets should not be left behind. Pets most likely cannot survive on their own; and if by some remote chance they do, you may not be able to find them when you return.

    If possible, take your pets with you if have to evacuate. However, if you are going to a public shelter, it is important to note that animals may not be allowed inside. Unfortunately, many disaster evacuation centers (and specifically Red Cross evacuation centers) cannot accept pets because of states' health and safety regulations. In fact, service animals that assist people with disabilities are currently the only animals allowed in some evacuation centers. Plan in advance for shelter alternatives that will work for both you and your pets.


    Plan for Pet Disaster Needs:

    • Find out which motels and hotels in the area you plan to evacuate to allow pets  well in advance of needing them. There are also a number of guides that list hotels/motels that permit pets and could serve as a starting point. Include your local animal shelter's number in your list of emergency numbers, they might be able to provide information concerning pets during a disaster.
    • Take pet food, bottled water, medications, veterinary records, cat litter/pan, can opener, food dishes, first aid kit and other supplies with you in case they're not available later. Consider packing a "pet survival" kit which could be easily deployed if disaster hits.

    During a Disaster
    • Bring your pets inside immediately.
    • Have newspapers on hand for sanitary purposes. Feed the animals moist or canned food so they will need less water to drink.
    • Animals have instincts about severe weather changes and will often isolate themselves if they are afraid. Bringing them inside early can stop them from running away. Never leave a pet outside or tied up during a storm.
    • Separate dogs and cats. Even if your dogs and cats normally get along, the anxiety of an emergency situation can cause pets to act irrationally. Keep small pets away from cats and dogs.
    • In an emergency, you may have to take your birds with you. Talk with your veterinarian or local pet store about special food dispensers that regulate the amount of food a bird is given. Make sure that the bird is caged and the cage is covered by a thin cloth or sheet to provide security and filtered light.

    After a Disaster
    • If after a disaster you have to leave town, take your pets with you. Pets are unlikely to survive on their own.
    • In the first few days after the disaster, leash your pets when they go outside. Always maintain close contact. Familiar scents and landmarks may be altered and your pet may become confused and lost. Also, snakes and other dangerous animals may be brought into the area with flood areas. Downed power lines are a hazard.
    • The behavior of your pets may change after an emergency. Normally quiet and friendly pets may become aggressive or defensive. Watch animals closely. Leash dogs and place them in a fenced yard with access to shelter and water.


    Sources:
    http://www.fema.gov/plan/prepare/animals.shtm
    http://blog.usa.gov/post/5395146652/plan-care-for-your-pets-during-emergencies

    Resources:
    http://www.bt.cdc.gov/disasters/petprotect.asp 

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  • Foreclosure Help in Florida

    Are you behind in your mortgage payments and need help? The Florida Hardest Hit service may be able to help you. The program is funded by the U.S. Treasury. To qualify for assistance you must meet the following criteria:

    An eligible homeowner:

    • Must be a Florida resident;
    • Must occupy property as primary residence (the property cannot be vacant, abandoned or rented);
    • Borrower/co-borrower must be unemployed or underemployed through no fault of his/her own, which makes the first mortgage unaffordable;
    • Must have documented total household income at or below 140% of the area median income (AMI), adjusted for household size;***
    • Must have an active checking/savings account that can be debited by the ACH method of funds transfer;
    • May not have unencumbered assets of $5,000 or more, or three times the current monthly mortgage payment (whichever is greater);
    • Cannot have a bankruptcy that has not been discharged or dismissed; and
    • Cannot have been convicted of a mortgage-related felony in the last 10 years.
    The current mortgage:
    • Must be serviced by a participating lender, who agrees to accept payments on behalf of the homeowner;
    • Must not be more than 180 days past due at the time of application;
    • Must have been originated on or before January 1, 2009; and
    • Must have an existing principal balance of less than $400,000.
    Get more information from the Florida Hardest Hit Site here.

    ***Based on information from huduser.org, 140% of the estimated Average Median Income in 2010 for Pasco residents are listed below:

    1 Person Household $58,200.00
    2 Person Household $66,550.00
    3 Person Household $74,850.00
    4 Person Household $83,150.00
    5 Person Household $89,800.00
    6 Person Household $96,450.00
    7 Person Household $103,100.00
    8 Person Household $109,750.00

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  • Free SCORE Workshops



                                                                       
       

    Need Help for your Small Business?


    SCORE is a non-profit organization that provides free services dedicated to the success of small businesses nationwide. SCORE offers hands-on help to new or existing businesses including entrepreneur education, mentoring, and funding assistance.

    SCORE Counselors are volunteers made up of businessmen and women who have been successful entrepreneurs, small business owners, senior corporate executives, and experienced professionals. Their experience and expertise will offer hands-on help geared toward your situation and needs.

    SCORE Workshops available through September at Pasco County Libraries:

    Starting a Home Business 101:
    Tuesday, April 5th, 2011 from 5:30p.m. - 7:30 p.m.
    Centennial Park Branch Library
    ***

    Introduction to QuickBooks:
    Tuesday, April 12th, 2011 from 5:30 - 7:30 p.m.
    Land O'Lakes Library
    ***

    How to Successfully Obtain a Business Loan:
    Wed., April 13th, 2011 from 5:30 - 7:30 p.m.
    South Holiday Library
    ***
    Using the Internet in Your Business:
    Thursday, April 14th, 2011 from 5:30 - 7:30 p.m.
    Regency Park Library
    ***

    SCORE is sponsored by the US Small Business Association
    Source: Pasco County Public Library Cooperative: E-Government Services 

    ***

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  • Plan for Retirement

    The average American spends
    20 years in retirement.

    The three major elements of your retirement portfolio are Social Security benefits, savings and investments, and benefits from pensions.  Financial security in retirement takes planning, commitment and, yes, money.

    To help you plan for retirement each year  the Social Security Administration sends you your personal Social Security Statement. Your Statement gives you an estimate of the monthly benefit amounts you and your family may qualify for now and in the future; benefits, on average, are equal to about 40 percent of what you earned before retirement.  Once you've reviewed your Statement, you may want to explore a variety of retirement scenarios using a range of assumptions about your future earnings or when you stop working. You can do that with the Retirement Planner. The Planner not only tells you how to qualify for Social Security benefits, but it also includes a Retirement Estimator and Benefit Calculators that help you calculate your own benefit estimates.  Follow this link to learn more about full retirement age, how to apply for retirement benefits or Medicare, what documents will be needed, and more.

    Top 10 Ways to Prepare for Retirement (as provided by the U. S. Department of Labor:)
      1.  Start saving, keep saving, make it a priority, and stick to your goals.  The sooner you start saving, the more time your money has to grow...it's never too early, or too late, to start.
      2.  Know your retirement needs.  Experts estimate that you will need at least 70% of your preretirement income to maintain your standard of living once you stop working.  You can request the Savings Fitness Guide to help with your financial future.
      3.  Contribute to your employer's retirement plan whenever offered.  Your taxes will be lower, your company may kick in more, and automatic deductions make it easy.  Over time compound interest and tax deferrals make a big difference in the amount you will accumulate.
      4.  Learn about your employer's pension plan.  Find out what benefits you may be entitled to from your spouse.  For more information, request What you should know about your retirement plan.
      5.  Consider basic investment principles.  How you save can be as important as how much you save.  Know how your savings or pension plan is invested, and remember to diversify to reduce risk and improve return.
      6.  Don't touch your retirement savings...you'll lose principal and interest, and you may lose tax benefits.
      7.  Ask your employer to start a plan if one is not currently offered. 
      8.  Put money into an Individual Retirement Account (IRA).  These also provide tax advantages.
      9.  Find out about your social security benefits (as described above).
    10.  Ask questions of your employer, your bank or credit union, and your financial adviser...and make sure you understand the answers.

    Brochures and other resources about retirement are available from the Social Security Administration. 


    The following Web sites can also be helpful:

    Information provided by the SSA and DOL.

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  • Florida KidCare health insurance

    Child Health Insurance You Can Afford

    Through Florida KidCare, the state of Florida offers health insurance for children from birth through age 18, even if one or both parents are working. It includes four different parts. When you apply for the insurance, Florida KidCare will check which part your child may qualify for based on age and family income.
    Some of the services Florida KidCare covers are:
     
    • Doctor visits
    • Check-ups and shots
    • Hospital
    • Surgery
    • Prescriptions
    • Emergencies
    • Vision and hearing
    • Dental
    • Mental health 
    Follow this link for information on eligibility and cost.

    There are several ways to apply for Florida KidCare:
     If  you've applied for Florida KidCare before, call 1-888-540-5437 to update your information by telephone.

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  • Government Information on your iPhone



    On the go, but need answers?  You don't need to wait until you get home to have your questions answered.  Download the official USA Search iPhone application and you'll have the answers right at your fingertips.

    This app provides information and images from every federal, state, local, territorial and tribal government website and can be downloaded to your iPhone, Android or Blackberry.  You can also access information from several government databases, including information on:
    •      Recalls
    •      Food pyramid
    •      Food guidelines and information
    •      Prescription information

    Click here for other free government apps* from the IRS to check your refund status, the EPA, FEMA, the Library of Congress, the FBI, Fuel Economy.gov., MedLine Plus, and many more.

    *All the apps featured currently are free. Charges from your cell phone carrier may apply.

    Information provided by USA.gov

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  • Helping Those Affected by Overseas Disasters

    What Can I Do To Make A Difference?

    Many of us have been moved to help in the relief efforts of the terrible devastation of recent disasters in our country and around the world. The media attention that follows an international disaster brings about a compassionate response that often fills us with empathy and a feeling of powerlessness. Many are not sure of how they can best support the efforts of groups and governments responding in a crisis situation. Here are a few recommendations on the most appropriate ways any of us can help.


    Make A Donation
    Giving donations is often the best way to help in a natural disaster. Relief efforts cost massive amounts of money in order for relief teams to do their jobs and provide necessities to victims. Cash allows relief professionals to procure exactly what is needed in a disaster situation and ensure that donations are culturally, dietary, and environmentally appropriate. Be sure to give to a reputable, well-established organization to ensure that your gift makes the best possible impact toward relief, one that spends the largest percentage of its donations on direct assistance to victims of the natural disaster instead of using the money for other programs and expenditures. As a rule, avoid charities that will not disclose the breakdown of how each dollar is spent. Also, avoid those that spend more than 20% of monies received on "administrative" or other expenses.

    Take the time to thoroughly research the organization to which you intend to donate. Treat this as you would any other investment. Beware of scams and if giving online, be sure you are on the designated site for that organization. If you would like to check out different charitable organizations, a good place to start is the Better Business Bureau.


    Give Blood
    You can literally save a life by giving blood. Even when disaster occurs far from your hometown, or in another country, donating to your local blood bank will help keep national and international blood supplies stocked and ready for transfer to wherever they are needed. Visit the American Red Cross to learn more about donating blood.


    Volunteer
    First, decide if you can physically and mentally volunteer for disaster relief. When you volunteer to go to a disaster area you will be exposed to one of the most stressful situations you will ever witness. You may work 20 hours and sleep 4 hours. You may or may not have enough food and water. You will be exposed to a dangerous physical environment.

    To ensure your skills will be best utilized, it is important to go with an organized agency. The reality is that volunteer opportunities for international disaster relief are extremely limited, and people without disaster relief experience are generally not selected for relief assignments. Candidates with the greatest chance of being selected have fluency in the language of the disaster-stricken area, prior disaster relief experience, and expertise in technical fields such as medicine, communications, logistics, or water/sanitation engineering. Most agencies require at least ten years of prior experience, as well as several years of experience working overseas. It is not unusual to request that volunteers make a commitment to spend at least three months working on a particular disaster.

    It’s important to know that once a relief agency accepts a volunteer, they are responsible for that volunteer's well-being, including food, shelter, health and security. Untrained volunteers can actually do more harm than good. Resources are particularly strained during a disaster, and another person without the necessary technical skills and experience can be a considerable burden to an ongoing relief effort. Potential volunteers should also keep in mind that relief work is a profession, and that it takes a unique individual who can work effectively in incredibly difficult conditions. Discuss insurance options with the volunteer organization, your insurance agent and your medical insurance organization to make sure that you and your loved ones are covered if anything were to happen to you in the disaster area.

    If you truly are interested in becoming a qualified volunteer, start small and start locally.  Volunteers typically have a critical skill such as Physician, Nurse, Emergency Medical Technician. If you do not have these skills, consider taking an EMT course and becoming certified. Then volunteer with the local fire department to keep your skills sharp and learn the "soft skills" such as how to effectively engage with a person who is hurt and in crisis. Volunteering in your own community through a variety of programs will lend you experience in dealing with and helping people in need. Your local Red Cross can provide you with information on their disaster management training courses, which are held throughout the year. To find your local Red Cross, please visit the Red Cross Web site.



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  • Top 10 Tax Time Tips

    Help your tax filing process run smoother

    Here are the Internal Revenue Service's top 10 tips that will help your tax filing process run smoother:

    1.  Start gathering your records.  Collect all documents and forms you'll need (receipts, canceled checks and any other supporting documents regarding income or deductions).

    2.  Be on the lookout for your W-2s and 1099s.

    3.  Use Free file.  If you've made $58,000 or less, you qualify for free tax software that is offered through a private-public partnership.  Free File Fillable Forms, the electronic versions of IRS paper forms are also available if you are comfortable preparing your own tax return no matter your income level.  Visit www.irs.gov/freefile to review your options.

    4.  Try IRS e-file.  This is the safe, easy and most common way to file a tax return.  If you owe taxes, there are payment options to file immediately and pay by the deadline.  Or combine e-file with direct deposit to get your refund in as little as 10 days.

    5.  Consider other filing options.   Weigh all the different options and find the one that best suits your needs.  You may even be eligible for free face-to-face help at an IRS office or volunteer site.

    6.  Consider direct deposit.  You'll receive your refund faster than waiting for a paper check.

    7.  Visit the IRS website again and again.  Here you'll find forms, publications, tips, answers to frequently asked questions and updates on tax law changes.

    8.  Remember this number: 17.  IRS Publication 17 is a comprehensive collection of information for taxpayers.

    9.  Review! Review! Review! Don't rush...mistakes will slow the processing of your return.  Double check all Social Security numbers and math calculations on your return.


    10. Don't panic.  If you run into a problem go to http://www.irs.gov or call toll-free 800-829-1040.

    Information provided by IRS.gov

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  • Career Central Mobile One Stop Schedule



     
     
     
    Meet the Mobile One Stop

    Career Central  has added a new level of service to the region. The Mobile Unit is a self-contained resource room on wheels with twelve computer stations; satellite Internet and telecommunications; printing, copying, and fax capacity; and total mobility.

    Employers can use the Mobile Unit to anchor employee on-site recruitment efforts, job fairs, testing and training.

    Job Seeking customers can search for work, create and print resumes, access local and statewide job listings, and receive referrals to and information about the programs of Career Central.

    February's Mobile One Stop Schedule at Pasco County Library branches

        Wednesday, Feb. 2, 2011
                 Location:    New River Branch Library
                          34043 State Road 54
                             Zephyrhills, FL   33543
            Time:    9:30 AM to 3:00 PM
     
    Thursday, Feb. 3, 2011
      Location:    Hugh Embry Library
                   14215 4th Street
          Dade City
             Time:    10:00 AM to 3:00 PM

    Wednesday, Feb. 9, 2011
          Location:    Hudson Branch Library
                      8012 Library Road
     Hudson
            Time:    10:30 AM to 4:30 PM

    Friday, Feb. 11, 2011
     Location:    Land O'Lakes Branch Library
           2818 Collier Parkway
    Land O'Lakes    
    Time: 9:00 AM to 3:00 PM

    Wednesday,  Feb.16, 2011
    Location:    Hudson Branch Library
             8012 Library Rd
    Hudson    
        Time:    10:30 AM to 4:30 PM

    Thursday, Feb. 17, 2011
       Location:    Hugh Embry Branch Library
       14215 4th Street
    Dade City      
    Time:    10:00 AM to 3:00 PM

    Friday, Feb. 25, 2011
    Location:    Land O'Lakes Branch Library
         2818 Collier Parkway
       Land O Lakes          
    Time:  9:00 AM to 3:00 PM

    Contact:    Dave Hamilton
    Phone:      (352) 279-4400
    Email:      dhamilton@CareerCentral.jobs

    Click here for further scheduling information for the Career Central Mobile One Stop bus.

    Information provided by Career Central, a service of the Pasco-Hernando Workforce Board, Inc


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  • Pasco County Extension Office Seminars



    Below you will find a listing of the seminars offered through the Pasco County Extension Office 
    for the months of February and March 2011:

    FEBRUARY

    Cistern Workshop - The Next Level of Rainwater Harvesting.  
    Rainwater harvesting with a cistern allows you to operate an irrigation system using free rainwater.  An expert in the cistern installation business will answer all of your questions about installing and operating this water-saving system in home landscapes.       


             Date & Time: 2/2/2011 (Wednesday)  9:00 a.m. - 11:30 a.m.
             Location:        Booker Creek Preserve Educational Ctr.
                                    3940 Tarpon Springs Rd.
                                    Tarpon Springs
             Contact:          BJ Jarvis 352-521-4288
     
    What's Bugging your Trees? 
    Discover the best way to identify pests and other challenges that might be affecting trees in your landscape.


              Date & Time:  2/12/2011 (Saturday) 9:00 a.m. - 11:00 a.m. (Free)
              Location:         Pasco Cooperative Extension
                                      Pasco County Fairgrounds - Clayton Hall
                                      Dade City

    Edible Landscape Seminar
    Come discover ways to make a garden both beautiful and edible.

              Date & Time:  2/12/2011 (Saturday) 9:00 a.m. - 11:00 a.m. (Free)
              Location:         Land O'Lakes Community Center
                                      5401 Land O'Lakes Blvd. (US 41)
                                      Land O'Lakes

    Vegetable Gardening 
    Springtime is around the corner and it's time to start warm-season vegetables of tomato, pepper, squash, melons and more.

              Date & Time:  2/19/2011 (Saturday) 10:00 - 11:00 (Free)
              Location:        Home Depot
                                     10017 US Highway 19
                                     Port Richey 

    MARCH

    Green Industry Best Management Practices training (Pasco, Pinellas & Hillsborough Coop. Ext.)
    This program is designed to give lawn and landscape professionals continuing education hours for certifications while learning more ways to increase the beauty of landscapes and conserving water through environmentally friendly landscape maintenance practices.  To register, or for more information, please visit: http://gibmpcertificationbrookercreek20110302.eventbrite.com/

              Date & Time:  3/2/2011 (Wednesday) 9:00 a.m. - 5:00 p.m.
              Location:         Booker Creek  Preserve Educational Center
                                      3940 Tarpon Springs Rd.
                                      Tarpon Springs
              Registration:   General Professional ($17)
              (by 2/28/2011)  County Employee ($15)
          
    Gardening Myths - What works; what doesn't

              Date & Time: 3/5/2011 (Saturday) 9:00 a.m. - 11:00 a.m. (Free)
              Location:        Pasco Cooperative Extension
                                     Pasco County Fairgrounds - Clayton Hall
                                     Dade City

    Bamboo Seminar
    Check out this seminar to discover bamboo in many sizes, colors and types.

              Date & Time: 3/12/2011 (Saturday) 9:00 a.m. - 11:00 a.m. (Free)
              Location:        Land O'Lakes Community Center
                                     5401 Land O'Lakes Blvd. (US Highway 41)
                                     Land O'Lakes

    Growing Fruits in Pasco
    Discover some of the plants well-suited to growing a bumper crop in Pasco!

              Date & Time: 3/19/2011 (Saturday) 9:00 a.m. - 11:00 a.m. (Free)
              Location:        Home Depot
                                     10017 US Highway 19
                                     Port Richey   

    Information provided by the Pasco County Cooperative Extension, a joint effort between the USDA, the University of Florida, and the Board of County Commissioners.


                                  

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