22 Sep

Going Green: Compost for a Healthy Garden

Want to reuse, reduce and recycle? You can do all these things if you start a compost pile this fall.

According to the Natural Resources Defense Council, we throw out a quarter of the food and beverages we buy, so by starting a compost pile, you can put that waste to good use in the spring.

In addition to the benefits of going green, your garden and your wallet will benefit. Compost improves the quality of your soil, bringing more nutrients to flowers and vegetables, and is a great (and cheaper) alternative to chemical fertilizers. Ready to start your own compost pile?

Here’s how:

1. Find a spot in your yard that’s at least 3 feet by 3 feet, which is a sufficient size for yard and kitchen waste to decompose without a bin. Or you can simply buy a compost bin.

2. Begin with a thick layer of carbon-rich brown materials, such as yard waste (dead flowers, straw, leaves) and shredded newspaper.

3. Layer several more inches of nitrogen-rich green materials, such as grass and leftover food (no meat, fish or dairy waste).

4. Add a thin layer of garden soil and moisten it all.

5. That’s it! Keep adding to these layers as you generate more waste.

After a while you should see steam emanating from the pile, which is a good sign that it’s healthy, and earthworms should be visible. Once your pile is up and running remember to add to it regularly, and try to have a good mix of brown and green material. Using a shovel or pitchfork, turn your pile every week or two to mix it up, and add some water if it isn’t moist; if your pile is too dry, decomposition will be slow (but too much water will give you a slimy pile).

When your compost pile is dark and rich in color, it’s ready to use, in two to five weeks.

22 Sep

Thank You for Choosing Navigator Credit Union

During this season, many people spend time thinking about what they’re thankful for. The staff and management at Navigator Credit Union are no different. We’re thankful for you!

You and our other members are the reason we strive to provide convenient financial tools, expert advice and unbeatable service. We are grateful for the opportunity to serve you.

Thanksgiving reminds most of us once a year to think of what we’re thankful for, but it can be a worthwhile exercise year-round, too. Research shows that grateful individuals tend to enjoy better psychological and physical health.* You can increase your feelings of gratitude — and, potentially, happiness — by intentionally practicing it. Try these steps:

  1. Notice the good things in your life. Take a moment to look for the little things you may often take for granted, such as a beautiful sunset or sunrise, the way a friend makes you laugh or a warm coat on a cold day.
  2. Savor the things you’re grateful for. Absorb the feeling of genuine gratitude when it strikes you. When something makes you say, “Wow! That is amazing!” pause and soak it up.
  3. Start a gratitude journal. Every day, write down three things you’re grateful for. Or post notes that say, “I’m thankful for ______” or “I’m glad ______” where you’ll see them daily. Every time you look at the note, take a moment to fill in the blank with whatever is true at the moment.

Expressing your gratitude can help spread it around, benefiting those around you. We hope you benefit from this brief expression of our gratitude for you! Thanks for being a loyal member of Navigator Credit Union.

We are grateful for the opportunity to serve you.

* Source: Personality and Individual Differences, January 2013.