Sunnyviews - Extension Winnebago County€¦ · Winnebago County Home and Community Education 1...

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Winnebago County Home and Community Education 1 President’s Letter INSIDE THIS ISSUE: Sunnyviews October/November 2019 President’s Letter 1 Advisor’s Letter 2 Dates to Remember 3 2020 JPCC Meeting Room Scheduling 4—7 Senior Living/ Housing 8 Taking Care of You Facilitator Training 9—12 Adult Mental Health First Aid 13 Youth Mental Health First Aid 14 Wisconsin’s Healthy Produce & Nutrition 15—16 Fall Colors Include the Orange and Red Slow Moving Vehicle Signs on Farm Equipment on Roads 17—18 How Long Does Information Stay in Your Credit Report 19 Staff List 20 Dear HCE members, As we move into fall, our landscape includes scarecrows, pumpkins, and falling leaves. Apples and cinnamon are the scents of autumn I love! I look forward to seeing everyone at the Annual Meeting on October 14 th . Everyone is invited to a potluck lunch (bring a dish to pass) at noon with the meeting to start at 1:00pm. Each club will receive a packet of materials at the Annual Meeting. Reminder to clubs to submit the following to the Extension office by October 31 st : Club President Card Updated Club Membership List (with signed photo release permission) Affirmative Action Form (Civil Rights Form) On the Annual Meeting agenda, we will have: Election of Treasurer & Secretary Lesson Choices for 2020 Discussion on Scholarship fundraisers 2021 WAHCE Conference information Reserving Dates for 2020 Spring Banquet & Annual Meeting I encourage ALL HCE club members to attend this meeting & lunch! Your President, Sue Berg

Transcript of Sunnyviews - Extension Winnebago County€¦ · Winnebago County Home and Community Education 1...

Page 1: Sunnyviews - Extension Winnebago County€¦ · Winnebago County Home and Community Education 1 President’s Letter INSIDE THIS ISSUE: October/November 2019 Sunnyviews President’s

Winnebago County Home and Community Education 1

President’s Letter

INSIDE THIS ISSUE:

Sunnyviews October/November 2019

President’s Letter 1

Advisor’s Letter 2

Dates to Remember 3

2020 JPCC

Meeting Room

Scheduling

4—7

Senior Living/

Housing 8

Taking Care of You

Facilitator Training 9—12

Adult Mental

Health First Aid 13

Youth Mental

Health First Aid 14

Wisconsin’s

Healthy Produce

& Nutrition

15—16

Fall Colors Include

the Orange and

Red Slow Moving

Vehicle Signs on

Farm Equipment

on Roads

17—18

How Long Does

Information Stay in

Your Credit Report

19

Staff List 20

Dear HCE members,

As we move into fall, our landscape includes

scarecrows, pumpkins, and falling leaves.

Apples and cinnamon are the scents of autumn I

love!

I look forward to seeing everyone at the Annual

Meeting on October 14th. Everyone is invited to

a potluck lunch (bring a dish to pass) at noon

with the meeting to start at 1:00pm.

Each club will receive a packet of materials at

the Annual Meeting. Reminder to clubs to

submit the following to the Extension office by

October 31st:

Club President Card

Updated Club Membership List (with signed

photo release permission)

Affirmative Action Form (Civil Rights Form)

On the Annual Meeting agenda, we will have:

Election of Treasurer & Secretary

Lesson Choices for 2020

Discussion on Scholarship fundraisers

2021 WAHCE Conference information

Reserving Dates for 2020 Spring Banquet &

Annual Meeting

I encourage ALL HCE club members to attend

this meeting & lunch!

Your President,

Sue Berg

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Advisor’s Letter

Hello HCE Members, I am writing this during one of those Wisconsin fall days that has three seasons

in one day. We wake up and it's 50 degrees, it turns to 80 degrees, and then by

nightfall there is a definite nip in the air that has me wondering when my annual

flowers are done for. I love this season. I love the opportunity for reflection

and preparation for the holidays ahead. In my household all of us celebrate our

birthdays during this season. Our daughters’ birthdays are November 20 and

25—my dad said goodbye to opening season of hunting for awhile when they

were little… he lamented on our poor planning every year with a smile. What

brings you joy during this season?

I am very much looking forward to connecting with you at the Annual Meeting.

It's a wonderful time to talk about the year past and the year ahead. I LOVE to

plan new ideas and learn about how we can continue to provide you the

opportunity to connect with each other and your community. Take some time

to develop your wish list, and I have some ideas on how we can use your help

too!!

See you in a week!!

Sincerely , Human Development and Relationship Educator

Our condolences on the passing of

Barb Kempen

Barb was a member of Gillingham Club.

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October/November 2019 Sunnyviews

HCE Dates to Remember October 1st Our Day—Green Lake County October 14th Annual Meeting—Host: Neenah Center October 31st Due to Extension Office:

Club President Card Updated Club Membership List

(with Signatures for Photo Release Permission) Civil Rights Form (Affirmative Action Form)

November 1st 2020 JP Coughlin Center Meeting Schedule Opens November 3rd—9th HCE Week November 7th Stitches of Love Workshop November 15th Submissions Due for Dec/Jan HCE Newsletter November/ Preparing 2020 Reach & Teach December December 31st Due to HCE Treasurer:

Updated Club Membership List Member Dues Pennies for Friendship

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J.P. Coughlin Center Meeting Room Scheduling for 2020

Opens at 8:00am on November 1st

Who is eligible to reserve the meeting rooms?

The J.P. Coughlin Center (JPCC) provides meeting spaces available to

government and nonprofit entities at no charge. Meeting rooms are for

educational, informational, and civic purposes. Meeting rooms may not be

used by individuals, groups, or businesses for profit or personal use. Groups

using the JPCC meeting rooms are expected to comply with the policies

outlined in our Winnebago County JPCC Meeting Room Policies brochure

(available online at https://winnebago.extension.wisc.edu/meeting-rooms/, by

email, or at the Extension office). Failure to comply with meeting room policy

will result in the loss of privileges to use the rooms.

If you have questions regarding eligibility to reserve the meeting rooms,

contact Extension staff at (920) 232-1970.

How can reservations be made?

All meeting room reservations must be made through the Extension Winnebago

County office at (920) 232-1970. Meetings may be scheduled up to twice per

month beginning November 1st for the following calendar year (January 1,

2020—December 31, 2020). Reservations will be made in the order in which

they are received. Additional reservations may be made within 7 days of your

requested date. All cancellations must be reported to the Extension office as

soon as possible.

Meeting rooms are available between the hours of 7:00am—11:00pm, each day

of the week. Meetings scheduled outside of regular building hours (8:00am—

4:30pm, Monday—Friday, excluding holidays) require a key check-out from

the Extension office. Keys may be checked out 1—3 days in advance during

the business hours of 8:00am—4:30pm, Monday—Friday, excluding holidays.

When making a reservation, please provide the following information:

Name of meeting

Start & end times of meeting (to be displayed on the Schedule)

Set-up & clean-up times needed

Contact person for scheduling & during meeting: name, phone, & email

List of any equipment you will need to check out, or accommodations needed

(microphones, projector, slide advancer, extension cords, etc.)

Start planning your 2020 now!

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October/November 2019 Sunnyviews

J.P. Coughlin Center Meeting Room Policies

Meeting room users are responsible for picking up a check-out key for any

meetings scheduled outside regular building hours (8:00am – 4:30pm,

Monday—Friday, excluding holidays). Keys may be checked out 1—3 days in

advance from the Extension office during the business hours of 8:00am—

4:30pm, Monday—Friday, excluding holidays.

For after-hours meetings, it is recommended to lock the main entrance doors after

your group is inside for security precautions.

Meeting room users are responsible for locking up the building if meeting after hours.

Return check-out keys in person or deposit in the drop-box in the main hallway near

the Meeting Room Schedule TV. .

Please Note: For security purposes, no one is allowed in the building between the

hours of 11:00pm—7:00am.

Do not sit on tables or stand on furniture.

Extension provides available audio/visual equipment for meeting room users. Users

are responsible for check-out of any needed equipment during business hours or must

make arrangements with Extension staff to have equipment available for meetings

scheduled outside of business hours.

Users are responsible for any lost/damaged equipment.

Users are responsible for returning borrowed equipment to the Extension office.

Limited technology support available from Extension Staff.

Meeting room users are responsible for their own set-up, service, and clean-up of

all food/refreshments, including vacuuming. Vacuums/cleaning products are

located in the designated meeting room closets/cabinets. A closing checklist is

available on the wall of each meeting room.

UW-Extension does not provide meeting supplies, coffee, utensils, or room

arrangement set-up/clean-up.

Photocopying is available for a charge.

Meeting room users are responsible for returning the room to its original

arrangement. Diagrams for furniture ar rangement are posted on the wall of

each meeting room or in the Meeting Room Policies brochure. Lights must be turned

off. Stove must be off. Coffee pots must be off.

Meeting room users are responsible for completing a “green card” with the

following information: meeting name, date, attendance, closing checklist, and

space for comments. Cards may be returned in person or left in the drop-box in

the main hallway near the Meeting Room Schedule TV.

Any issues experienced with the meeting rooms should be reported directly to

Extension staff or on the "green card". This includes any instances where rooms

were not clean or arranged according to the diagram prior to the start of your meeting,

or any incidents requiring our attention (any damage or cleaning required).

Arrangements for mothers needing to nurse/express breastmilk can be made through

the Extension office in person or at (920) 232-1970.

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J.P. Coughlin Center Meeting Room Equipment Available

(Check-Out from Extension May be Required)

Projector, screen, and connection cords

Laser pointer/slide advancer for projector

Limited A/V adapters available

PA System (Rooms A & B)

Microphones (Rooms A & B)

Hearing Loop (Rooms A & B; Volunteer Room)

Hearing Aid Amplifiers (Personal PA)

PolyCom (conference phone)

Telephone

Lectern

Dry marker board and markers

Flip chart easels (no paper)

Refrigerator, microwave, and stove (Room B)

Sink (Rooms B, C, & Volunteer)

Coffee makers and water percolator (bring your own coffee supplies)

Extra chairs and tables

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October/November 2019 Sunnyviews

J.P. Coughlin Center Meeting Room Style/Seating Available

Room

Name

Seats Style Technology & Equipment

Available in Room

Layout

A/B

Combined

Conference

Room

78

tables

&

chairs

125

chairs

only

• Projector & Screen

• Dry Marker Board & Markers

• Lectern

• PA System

• Hearing Loop

• Kitchen Area (Sink, Refrigerator,

Stove, & Microwave)

Room A 34 Open “U”

Setting

• Projector & Screen

• Dry Marker Board & Markers

• Lectern

• PA System

• Hearing Loop

Room B 44 Classroom

Setting

• Projector & Screen

• Dry Marker Board & Markers

• Lectern

• PA System

• Hearing Loop

• Kitchen Area (Sink, Refrigerator,

Stove, & Microwave)

Room C 8—12 Round

Table

Setting w/

Privacy

Blinds

• TV

• Projector Screen

• Dry Marker Board & Markers

• Sink

Volunteer

Room

12 Hollow

Rectangle

Setting

• TV

• Dry Marker Board & Markers

• Hearing Loop

• Phone

• Sink

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Senior Living/Housing

Originally published by the Department of Agriculture, Trade and Consumer Protection in the

October, 2016 “Wisconsin Senior Guide”

As an alternative for seniors not needing or wanting to move into an assisted

living situation, an increasing number of private businesses are offering

senior housing. With senior housing, elderly buyers may purchase an

individual unit and pay annual maintenance fees.

In some cases, the businesses will agree in advance to purchase back or

resell the unit if the owner moves or passes away.

Tips before signing or investing:

Take your time and read through the contract thoroughly, ask questions,

and fully understand the written details of the contract offer.

Have a friend, loved one, or other third party (possibly an attorney) offer

a second opinion on the contract offer.

Find out if the Bureau of Consumer Protection and the Better Business

Bureau have complaints against the company you are considering.

If a money-back or buy-back guarantee is offered:

Know whether the return of your original investment is dependent upon

the sale of your unit (or not), and what happens if other comparable units

are for sale at the same time.

Know what percentage of your original investment will be returned to

you or your estate.

Get written details on how the funds will be secured to ensure payment of

a future buy back.

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October/November 2019 Sunnyviews

Taking Care of You is a multi-session program offering practical strategies and experiences to help you deal with the stress in your life. Managing life’s challenges in a healthy way allows you to take better care of yourself and your overall health. Each week you will explore topics through small group discussion, self-reflections, and activities.

Activities of the program are aimed at increasing mindfulness, positive emotions, optimism, resiliency to stress, coping skills, and self-care of one’s body, mind, and spirit.

Participants will learn strategies to: Take better care of all aspects of your health —body, mind, and spirit Become more aware of the mind-body connection and how to use this

awareness to improve your health Respond with thought versus reacting automatically to life’s stressors Discover opportunities in life’s challenges Develop healthier habits that can lead to a healthier you Find ways to become a happier person Simplify your life Live more in the moment

By completing this one-day Facilitator Training, participants will: Leave with the tools to improve your own life, the life of your

colleagues, and the life of your customers

Learn strategies to engage session participants

Be certified to teach this curriculum

Be able to modify this program by offering it as one or more sessions to fit your schedule

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Who Should Attend?

Managers Leaders Human Services Staff Educators Community Members Interested in Wellness Volunteer Managers Supervisors Wellness Professionals Not-For-Profit Staff and Leaders Medical Professionals Religious Leaders Youth Workers

Facilitation Team

Agenda

Mandi Dornfeld

Winnebago County

Karen Dickrell

Outagamie County

Carol Bralich

Washington County

Jill Cholewa

Oconto County

Shelley Tidemann

Fond du Lac County

For more information or to offer a training, visit https://fyi.extension.wisc.edu/takingcareofyou/

8:30—9:00 Arrival/Networking/Refreshments

9:00—9:10 Introductions & Overview of the Day

9:10—10:00 Dimensions of Wellness

10:00—10:15 Break/Practice

10:15—11:30 Happiness/Self-Care

11:30—12:00 Lunch

12:00—1:15 Dealing with Life Changes

1:15—1:30 Break/Practice

1:30—2:45 Coping with Stressful Situations and Moving Forward

2:45—3:00 Questions and Evaluation

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October/November 2019 Sunnyviews

$20 Basic: OR $75 Complete:

Registration

Cost:

Course Course

Refreshments Refreshments

Flash drive with Flash drive with

Access to Google Access to Google

Print your own

materials for

Binder of full

printed materials

$30 Recommended

&/OR

$48 Resource

Optional

Add-On

Materials:

Happiness and

Health

Eat, Drink, and

Be Mindful

Full Catastrophe

Living

One Moment

Meditation

The How of

Happiness

Wellness

Workbook

An EEO/AA employer, Extension provides equal opportunities in employment and programming, including Title VI, Title IX, and the Americans with Disabilities Act

(ADA) requirements.

Requests for reasonable accommodations for disabilities or limitations should be made prior to the date of the program or activity for which it is .needed. Please do so as

early as possible prior to the program or activity so that proper arrangements can be made. Requests are kept confidential.

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REGISTRATION & PAYMENT DUE:

Wednesday, November 27, 2019

Please submit registration form with payment in person (cash

or check) or by mail (check). Credit/debit cards not accepted.

Deliver to:

Extension Winnebago County

625 E. County Rd. Y, Suite 600

Oshkosh, WI 54901

Space is limited to 40 participants and will be filled as payments are received.

Name:

Address:

City: State: Zip:

Phone:

Email:

TAKING CARE OF YOU: FACILITATOR TRAINING

Registration Type:

Cost:

_____ Basic $20

OR OR

_____ Complete $75

Optional Add-On Materials:

_____ Recommended Reading $30

_____ Resource Books $48

TOTAL AMOUNT ENCLOSED:

_______

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October/November 2019 Sunnyviews

Available Training Opportunities

Our office is hosting several FREE professional development trainings

that are now open for registration! If you would like to register for any

or all of these trainings, please call our office at (920) 232-1970. Space

is limited to the first 30 registrants for each training, so don’t delay!

Adult Mental Health First Aid:

Wednesdays, November 6 & 13, 2019 (2-Day Training)

8:00am – 12:15pm

J.P. Coughlin Center

(625 E. County Rd. Y, Oshkosh, WI 54901)

Mental Health First Aid teaches you how to identify, understand, and

respond to signs of mental illnesses and substance use disorders. This

8-hour training gives you the skills you need to reach out and provide

initial support to someone who may be developing a mental health or

substance use problem and help connect them to appropriate care.

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Youth Mental Health First Aid:

Fridays, October 11 & 18, 2019 (2-Day Training)

8:30am – 1:00pm

J.P. Coughlin Center (625 E. County Rd. Y, Oshkosh, WI 54901)

Youth Mental Health First Aid is designed to teach parents, family

members, caregivers, teachers, school staff, peers, neighbors, health and

human services workers, and other caring citizens how to help an

adolescent (age 12-18) who is experiencing a mental health or addictions

challenge or is in crisis. Youth Mental Health First Aid is primarily

designed for adults who regularly interact with young people. The

course introduces common mental health challenges for youth, reviews

typical adolescent development, and teaches a 5-step action plan for how

to help young people in both crisis and non-crisis situations. Topics

covered include anxiety, depression, substance use, disorders in which

psychosis may occur, disruptive behavior disorders (including AD/HD),

and eating disorders.

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October/November 2019 Sunnyviews

Wisconsin’s Healthy Produce and Nutrition (summarized transcript)

Published on August 16, 2019 by Division of Extension: Full transcript can be found at:

https://fyi.extension.wisc.edu/news/2019/08/16/wi-healthy-produce-nutrition/

What kinds of produce are in season right now?

Lots of stuff is in season right now, we’re probably in the height of the produce

season for people’s backyard gardens. There could be a few things that are

starting to be passed, like some of the berries, although some things like

raspberries will bear again. The greens and vegetables in season now are

tomatoes, green beans, peas, and many others. One that’s really great right now

is corn on the cob. Almost everybody understands that if you pick up corn on

the cob from a farm stand that came out of the field today, it’s going to be

delicious and fresh on your table this evening.

What does this produce mean for nutrition, or what kinds of nutritional

benefits do we get from this produce?

Eating whole foods is one of the best ways to improve health. Whole foods are

things like fresh produce—apples and greens and instead of foods that are more

highly processed. Right now, since so many things are in season, these are also

delicious and readily available. These foods can be found in your backyard

garden, farmer’s markets, or a roadside stands. Even in our grocery stores,

there’s lots of fresh produce available that would be healthy. These foods

provide micro nutrients and fiber and are low in calories and fat, greatly

contributing to a healthy diet.

What about produce that is still really good for you but isn’t necessarily

fresh?

Sometimes we don’t have access to fresh produce or we have a recipe that’s

going to use something that isn’t in season right now. Canned and frozen

vegetables are also an excellent source of nutrition. There are some things you

can throw in the freezer and have quickly if you don’t have time to make

something fresh. As long as you pay attention to the ingredients and make sure

there isn’t a lot of sodium, sauces, or fat, they’re also an excellent choice.

As we’re moving out of summer into the fall season, what should we be

looking for produce-wise, nutrition-wise, or seasonal that you might see?

We’ll see more of what we might call winter vegetables available. Things like

pumpkins, squash, and cabbage. Some things won’t be as available, like

berries, but some of those things will be available in the supermarket, imported

from other places. That’s one benefits of supermarkets today—they can access

fruits and vegetables that are out of season so that we can continue to have

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things like citrus fruits which are high in vitamin C throughout the winter and

not just have them in summer or not just if you live in Florida.

What kinds of resources are available for people to look up; what points of

contact are there for produce and intuition?

At Extension we have The Learning Store, and we recently put in a number of

fact sheets on using fresh fruits and vegetables. They’re one sided and tell how

to select a fruit or a vegetable, how to store it, and how to prepare it. Those

would be an excellent resource for people to get ideas on how to use some of

the things that they’re seeing, for instance at the farmer’s market, but we also

want people to do this safely. One of our Extension specialists, Barb Ingham,

has a site called “Safe and Healthy: Preparing and Preserving Food at Home,”

within the Division of Extension that talks about how to use produce safely.

She has lots of resources on how to clean and rinse produce to reduce your

chances of having a foodborne illness. She also has lots of excellent resources

on preserving food. For example, you might have an abundance of tomatoes

from your garden and you can’t eat them all and you wish to can them or freeze

them. She has lots of tips on how to do that and how to do that safely.

Do you have any tips or tricks for nutrition or maybe what fresh produce

you’re a big fan of this season?

I’m a big fan of corn on the cob and raspberries. Those are two of my favorites.

I have some raspberries in my yard. They’re not doing so well because they’re

not in a spot that’s sunny enough. But I do love that and I think one of the

messages we use a lot in nutrition is variety in moderation. With fruits and

vegetables we also say eat the rainbow—eat as many different colors of fruits

and vegetables in the widest variety that you have access to that provides the

widest variety of nutrition as well. There’s a lot of variety in tastes and the

ways that you can use them in your meals. So I would say variety, moderation,

and eat the rainbow.

More information about choosing and

using fresh fruits and vegetables is

available at https://go.wisc.edu/87v818

For more information, contact Beth

Olson, Extension Nutrition Specialist,

Department of Nutritional Sciences,

University of Wisconsin-Madison,

Division of Extension,

[email protected]

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October/November 2019 Sunnyviews

Fall Colors Include the Orange and Red Slow Moving Vehicle Signs

on Farm Equipment on Roads

Published on September 30, 2019 by Division of Extension

https://fyi.extension.wisc.edu/news/2019/09/30/fall-road-safety/

If you’re heading out to the rural areas to

pick pumpkins and apples or check out the

fall colors, you’re likely to encounter slow

moving farm equipment on the road as fall

harvest season is underway throughout the

state. That means it’s time for all drivers

to be especially aware of farm equipment

and slow down when encountering slow

moving farm equipment.

“Farm equipment is big, slow, and not very maneuverable; it doesn’t behave

like cars and trucks when it comes to speed, turning, or braking,” said Cheryl

Skjolaas, Agricultural Safety Specialist in the University of Wisconsin-Madison

Division of Extension and the College of Agricultural and Life Sciences. “Its

size makes it hard to move over quickly and it will take longer for it to turn into

driveways or intersections. It is also difficult for the farm implement operator

to see other vehicles that are following or passing farm equipment.”

The combination of slow traveling farm equipment and faster motor vehicles

means the time before the two meet can be seconds. Most farm equipment is

operating at speeds under 25 mph. A motor vehicle coming up behind a farm

implement has only seconds to stop before a crash may occur. Any type of

distracted driving – talking on cellphone, checking a text message, being tired-

can make stopping without a crash almost impossible.

Skjolaas, UW Center for Agricultural Safety and Health Outreach Specialist

said, “For the motorists, we really want you to be taking your time, looking up

the road a distance for that slow moving farm machinery, and when you see

something in the distance, start slowing down because if that equipment is

operating 15 miles per hour and you’re traveling 55 miles per hour, we’re

talking in 300 feet you have like 3 seconds to be slowing down.”

Slower speeds also mean that motorists are going to be tempted to pass farm

implements. Skjolaas reminds motorists that it is illegal to pass a farm

implement or an agricultural commercial motor vehicle in a no passing zone.

A motorist always has the responsibility to make sure that there’s a safe passing

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distance; making the decision to pass is difficult with farm implements. Look

at those passing zones where you can legally pass the farm equipment, but still,

really make that determination that you have enough distance to pass that farm

equipment, that there’s enough width to the roadway that you can safely get

around that farm equipment, and if you’re approaching a controlled intersection

– one that has stop signs or stoplights – that you’re going to be able to give that

operator of that farm equipment time enough to stop.

Skjolaas offered some tips and reminders for motorists during the fall harvest

season:

Look for lighting and marking on the farm implements. Farm machinery

that usually travels less than 25 miles per hour (mph) is required to display

a ‘slow moving vehicle’ or SMV emblem on the back. It is an orange and

red triangle visible to the rear on either the left hand side of the tractor or

towing implement or the rear most towed vehicle. This is a key marking

that a driver is approaching a farm implement.

Keep a safe distance back. The farm vehicle operator may not be able to

see around the equipment, so don’t assume that the operator knows you are

approaching. Similar to semi-trucks, many use large extended mirrors.

When a driver follows too closely, the vehicle isn’t visible to the farm

equipment operator.

Check for turn signals. On farm tractors or self-propelled machines like

combines, the flashing lights are also turn signals. When following slow

moving machines for a distance, it is easy to miss that operator has signaled

for a turn. Or watch for the operator to use a hand signal when signal lights

are not present.

During hours of darkness and low light situations when visibility is less

than 500 feet, such as when foggy or raining, everyone should have

headlights on.

Farm implements may be traveling on roads where they are normally not

expected. For example, farmers may use local streets or highways to

transport grain to storage facilities.

A road sign to watch for is a yellow and black warning sign with the

symbol of a farmer driving a tractor. These signs are within 500 feet of a

driveway to alert motorists of a farm or field drive with an obstructed view

such as on a hill or around a curve.

For more information, contact: Cheryl Skjolaas, 608-265-0568,

[email protected]

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19

October/November 2019 Sunnyviews

How Long Does Information Stay in Your Credit Report?

Originally published on September 10, 2019 by PEGGY OLIVE https://fyi.extension.wisc.edu/creditreport/2019/09/10/how-long-does-information-stay-in-your-credit-report/

The UW “Check Your Free Credit Report” Campaign conducts an annual year-end

survey of participants. In 2018, 35% of respondents reported knowing very little or

nothing about how long information stays in a report. It can be helpful to understand

what types of information appears on a credit report and how long that information is

legally allowed to appear on a report from the three major credit reporting bureaus.

Positive or satisfactory account information, such as on-time credit card and loan

payments, will appear in a credit report for as long as the credit card or loan is still

open and active. Once you close a credit card or pay off a loan, that positive

information typically stops showing up in a credit report 10 years after the account is

closed.

Negative or adverse account information could include missed or late payments, debts

that were sent to a collection agency, or were “charged off” meaning that the company

reported the debt as lost income and may have sold the debt to a collection agency.

Negative items can legally be removed from a credit report if it has been more than

seven years from the date the debt first became overdue. Note that a Chapter 10

bankruptcy can also be removed after seven years, but that a Chapter 7 bankruptcy is

allowed to remain on a credit report for 10 years. One reason to review your credit

report regularly is to check if any old items are listed and to contact the credit bureau

to ask for older negative information to be taken off.

Even if debt does not appear on a credit report, the credit reporting bureaus still keep

your older debt on file. The bureaus can then release the information when you apply

for the following: credit of $150,000 or more, such as a mortgage, life insurance with

a face value of $150,000 or more, or a job with an annual salary of $75,000 or more.

It is also important to know that although debt may not show up on a credit report

after seven years, a person may still owe the debt and be taken to court, depending on

the state and the type of debt.

Inquiries that appear on credit reports are often another point of confusion since there

are two different types of inquiries. Regular or hard inquiries appear in a report when

you apply for credit or buy insurance, for example. These hard inquiries stay on a

report for two years, can be seen by all creditors who look up your report, and will

usually lower a credit score by several points for many months. Account review,

promotional, or soft inquiries are when companies review your credit information to

see if you qualify for their services or when you check your own credit report. You

are the only one who sees these types of soft inquiries and they do not affect your

credit score.

For more information on credit reports and scores, check out the resources in our

campaign website or contact Extension Winnebago County Financial Educator, Todd

Wenzel: (920) 232-1973, [email protected].

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20 Sunnyviews October/November 2019

Extension Winnebago County Office

J. P. Coughlin Center

625 E. County Road Y, Suite 600

Oshkosh, WI 54901-8131

(920) 232-1973 or 727-8643

FAX (920) 232-1967

711 for Wisconsin Relay (TDD)

HOURS: 8:00 AM - 4:30 PM, Monday through Friday

Website: https://winnebago.extension.wisc.edu/

An EEO/AA employer, Extension provides equal opportunities in employment and programming,

including Title VI, Title IX and the Americans with Disabilities Act (ADA) requirements. Requests for

reasonable accommodations for disabilities or limitations should be made prior to the date of the

program or activity for which it is needed. Please do so as early as possible prior to the program or

activity so that proper arrangements can be made. Requests are kept confidential.

Area 10 Extension Director

Chris Viau

Support Staff

Amy Hendrickson

Ashley Rolph

Jody Bezio

Human Development & Relationships

Mandi Dornfeld

Human Development & Relationships

Educator

Todd Wenzel

Financial Educator

Health & Well-Being

Kristine Soper

FoodWIse Educator

Positive Youth Development

Dana Berger 4-H Program Coordinator

Sarah Thompson

Youth & Science Educator

Community Development

Mia Ljung

Winnebago/Outagamie

Community Development Educator

Natural Resources Chad Cook

Land & Water Outreach

Program Manager

Agriculture

John Thompson

Agriculture Educator

Kim Miller

Horticulture Educator