Listicles National Credit Education Month 2022

5 Tips To Improve Your Credit Score

1. ​Pay bills on time

   ​Past performance is a predictor of future performance so pay all bills off timely – rent, utilities, loans, and credit cards.

2. Keep debt to a minimum

   ​Understand your credit utilization ratio which is the amount of debt you carry (total amount of credit balances) compared to your combined credit limits; lenders like to see a credit utilization ratio of less than 30%.

3. ​Keep up the good work

   ​The longer you can maintain a good credit rating, the better. Accounts that have been in good standing for a long time add to your credit score.

4. ​Open new credit accounts only as needed

   Applying for credit results in a “hard inquiry” on your credit report which has a negative on your overall credit rating that can last for up to two years.

5. Check your credit reports

   If you find inaccurate information on any credit report, you can dispute the information to have it corrected.

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March is National Credit Education Month which means there is no better time to educate yourself and others on the importance of understanding the ins and outs of your credit score. Did you know that one in five Americans find errors on their credit reports and that more than 90% of home and auto insurers use credit ratings to decide who to cover and what premiums to charge? It’s for these reasons you should actively monitor your credit score as well as educate yourself on how to properly manage it. Let’s get started.

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Listicles National Credit Education Month 2022

5 Tips To Improve Your Credit Score

1. ​Pay bills on time

   ​Past performance is a predictor of future performance so pay all bills off timely – rent, utilities, loans, and credit cards.

2. Keep debt to a minimum

   ​Understand your credit utilization ratio which is the amount of debt you carry (total amount of credit balances) compared to your combined credit limits; lenders like to see a credit utilization ratio of less than 30%.

3. ​Keep up the good work

   ​The longer you can maintain a good credit rating, the better. Accounts that have been in good standing for a long time add to your credit score.

4. ​Open new credit accounts only as needed

   Applying for credit results in a “hard inquiry” on your credit report which has a negative on your overall credit rating that can last for up to two years.

5. Check your credit reports

   If you find inaccurate information on any credit report, you can dispute the information to have it corrected.

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March is National Credit Education Month which means there is no better time to educate yourself and others on the importance of understanding the ins and outs of your credit score. Did you know that one in five Americans find errors on their credit reports and that more than 90% of home and auto insurers use credit ratings to decide who to cover and what premiums to charge? It’s for these reasons you should actively monitor your credit score as well as educate yourself on how to properly manage it. Let’s get started.

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Timeline of National Flour Month 2022

National Flour Month timeline

1961

Chorleywood Bread Process Takes Off

Using understanding of chemistry and yeast biology, this process shortens the time it takes for bread to ferment. However, the process also removes important nutrients and flavorings from the bread. This process is used at most large factories now.

1912

Rohwedder's Bread-Slicing Machine Invented

Otto Frederick Rohwedder invented a machine that sliced bread in advance of selling, but bakeries didn't buy it until 1928, when Rohwedder allowed it to both slice and wrap bread.

1762

First Sandwich Devoured

Named after the 4th Earl of Sandwich, John Montagu, the first sandwich was invented when the Earl did not want to interrupt a game he was playing and asked that his roast beef meal be placed between two cut slices of bread.

3000 B.C.

First Loaves Raised

Ancient humans discover the use of yeast for raising bread into leavened loaves.

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Although it is not as well known as St. Patrick’s Day or Women’s History Month, March bears another significant honor — National Flour Month. When it comes to cooking or baking, flour is a principal ingredient in many food options all around the world. It is necessary for baking bread, cakes, crackers, pasta, pastries, breading for meats, and much, much more. Think of it this way: we would find it pretty hard to make a cake or muffin without flour, and what would breakfast be like without toast, donuts, or other delectable breakfast items? So, in honor of this crucial baking ingredient, here are a few essential details to understand a little more about flour.

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Why Do We Celebrate March Madness?

March Madness Activities

1. Throw a viewing party

   March Madness means parties. With games being played all month long just pick a date when your favorite team is playing and invite some friends over to watch the game. Many fans will prepare basketball or college-themed food and drinks or decorate with basketball themed decorations.

2. Fill out a bracket

   No March Madness celebration is complete without brackets. Usually filled out among offices or groups of friends, brackets are a great way to make March Madness even more interesting. March Madness is unpredictable, so sometimes the strangest predictions can come true!

3. Pick a team and watch the games

   Watching the games is an important part of celebrating March Madness. Pick a team to root for and join in on the fun, before you know it you will be cheering along with millions of other fans.

Why We Love March Madness

1. Underdog stories

   Who doesn’t love an underdog story? March Madness utilizes a seeding system that sets the stage perfectly each year for an underdog to upset a highly ranked team. Even if you aren’t an avid fan of college sports or basketball it is easy to root for a team that no one saw coming.

2. School spirit

   March Madness is great opportunity to rekindle some passion for your old alma mater. With so many teams involved in the men’s and women’s tournaments, odds are you’ve either attended or have some type of connection with at least one school in the tournament. Dust off that old college sweater and support your school!

3. Its single elimination

   One of the most exciting aspects of March Madness is its single elimination format. Each team is playing for their lives in the tournament so every game matters. Even if you aren’t familiar with any of the schools playing in the tournament, it is easy to get invested when every game feels like the finals.

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Brackets.

Cinderella Story.

Sweet Sixteen.

Final Four.

Even people who have absolutely zero interest in sports the other 11 months of the year know these terms. March Madness means everyone has a chance. Well, at least the 68 teams picked for the tournament. Outside of the Super Bowl, it’s easily the biggest sporting event on the calendar. 

Brackets (and office pools) give all of us a chance to take part.

So…who’s your pick?

 

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Timeline of French Language Day 2022

French Language Day timeline

2010

Language Days

French Language Day is made official by the UN to celebrate multilingualism.

1635

French Lit

Cardinal Richelieu founded the French Academy to maintain the sanctity of the language in literature.

842

The French of Old

The Oaths of Strasbourg is the oldest known document that uses Old French.

5th Century AD

Epidemics

Gaul is conquered by the Roman Empire and the language Gaulish gives way to Latin.

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French Language Day is on March 20 and we’re more than excited to celebrate with some French culture, language, and history as we ask…parlez vous Francais? Even if you don’t speak the language there’s a lot of aspects of French culture to learn about. This occasion is meant to respect multilingualism and cultural diversity. When most people think of French they think of France, but it’s actually Africa that has the most French speakers. There are an estimated 120 million Africans from 29 countries that speak the language alongside their indigenous languages.

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Listicles Poison Prevention Awareness Month 2022

Five Facts About Poison Prevention Awareness Month

1. Deaths per day

   87 people die every day from unintentional poisoning.

2. Everything is poisonous

   Almost anything can be poisonous if too much of it is ingested.

3. The victims

   Children are the major victims of poisoning

4. Teen danger

   Teens have a high risk of death when using household products to get "high".

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Poison Prevention Awareness Month takes place every March and it might be more important than you realize. Poisoning from the Mayo Clinic is defined as an injury or death due to swallowing, inhaling, touching, or injecting various drugs, chemicals, venoms, or gases. It sounds like a distant concept, but the fact of the matter is that most poisonings occur in the home. Smoke inhalation is the most common cause of acute poisonings. Inhalation of carbon monoxide, hydrogen cyanide, and other toxic substances make it a silent killer.

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Why Do We Celebrate National Crafting Month?

HOW TO CELEBRATE NATIONAL CRAFTING MONTH

1. Try a new creative medium

   If you’re a painter, try scrapbooking. If you're a knitter, try sculpting. The beauty of crafting is that there are endless possibilities for creating, and for stepping outside your creative comfort zone. This could lead to some amazing innovation on your part — you never know if you don't try!

2. Show off your work

   Everything's better when it’s shared with those you care about. Use National Craft Month as a reason to show everyone what you’ve been working on. Whether it’s showing in a small arts and crafts exhibition, giving your creations as gifts, or traveling to a craft fair, be sure to take this opportunity to share your art with the world. Get some eyes on your work, be proud, and of course keep crafting!

3. Dare to be colorful

   Old-schoolers may be familiar with the phrase, “a monochrome life.” It means a drab, repetitive day-to-day existence, but it can be taken a little more literally, too. Your crafting up to this point may show a distinct preference for one or two favorite colors. During National Crafting Month, branch out into the brights, the neons, or even the blackest of the blacks. Broadening your repertoire is never a bad thing.

WHY WE LOVE NATIONAL CRAFTING MONTH

1. It boosts creativity and inspiration

   Having the freedom to create without boundaries stimulates both the imagination and the spirit. We may even gain the confidence to think outside the box in other realms of our lives, such as education, profession, even relationships. And who knows, channeling those creative energies into one of your hobbies could even turn into a side career!

2. Crafting brings people together

   Whether it’s creating something with your kids or throwing a casual crafting dinner party, sharing one’s imagination and creativity with others is a key reason why humans create. Not only is there another person or people there to appreciate your work, but you can spend quality time with friends and help each other with fun shared ideas.

3. Handmade gifts are best

   There are few things that show how much you care, as much as a gift from the heart and hands. Home-crafted gifts are one of a kind — nothing tells your friend or relative how much they mean to you more than receiving something that you only made one of. On top of all that, homemade gifts are fun to make and can save you a few bucks!

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In March, it’s the end of winter and a great time to blossom outward into National Crafting Month to show what you’ve been making by hand during the short, cold days of the season past.

Admittedly, the word “crafting” covers a whole lot of territory. At one time, the word “craft” was synonymous with “trade,” meaning skilled labor in a particular area, such as weaving, engine repair, carpentry, etc. It was not uncommon for guilds to be founded based upon a shared set of skills in these and other areas of production. But in current times we’ve come to understand that “crafting” refers to those skills practiced more creatively and with a vision unique to each artisan. Some examples are knitting and crocheting, scrapbooking, leatherworking, wood burning, fly tying, jewelry making, anything created by hand that has an artistic aspect to it but is not strictly “fine art.”

So this month, if you’ve been too busy to focus on your favorite craft, set aside some time and energy and see what you can come up with. You may even want to devote a number of hours to dabbling in a craft other than your favorite.

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