March 10, 2025 • 30 mins
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Gardening season has arrived, and we're sharing essential tips for successful planting alongside strategies to ease the disruptive health effects of daylight savings time and avoid common financial pitfalls.
• Studies show daylight savings time disrupts circadian rhythms and may increase risk of heart attacks and strokes
• Gradually adjust your sleep schedule and seek morning sunlight to ease the transition
• Smart consumers can save $600+ annually by shopping for better car insurance rates
• Only 1% of Americans have the discipline to use credit cards responsibly without carrying balances
• Home warranties can save thousands on repairs with just $89 service calls
• Rosemary thrives with sandy soil, plenty of sunlight, sparse watering, regular pruning, and light fertilization
• Tomatoes and cucumbers make poor garden companions - use vertical gardening and physical separation
• 13 foods you can regrow from scraps include green onions, garlic, lettuce, celery, and herbs
• Boss Ladies of North Texas will host their Bloom Market on March 30th from 10am-2pm with 30+ vendors
If you like what you heard today, drop us a text or send us an email at crossroadspodcast2023@gmail.com. Stay tuned for next week when Maddie and I will bring you some great health news.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Steven Killfoil (01:13):
Good morning Cross Roads.
Well, spring has sprung andtoday I have a few garden tips I
want to share, as well as someother goodies.
Unfortunately, we have alreadycrossed at a terrible abyss, to
the dreaded point when we haveto move our clocks ahead one
hour, so I'm going to start withthat.
I came across an article onNewsmax that discusses exactly
this dilemma that we have how toprepare to spring forward this
(01:37):
weekend.
Now we all know and dread andalmost hate and despise this
moving ahead losing an hour, andthere's a good reason for that.
Most Americans springs forwardSunday for daylight savings time
, and losing that hour of sleepcan do more than leave you tired
and cranky the next day.
(01:58):
It could also harm your health.
Harm your health.
Darker mornings and moreevening light together knock
your body clock out of whack,which means daylight savings
times can usher in sleep troublefor weeks or longer.
Studies has even found anuptick in heart attacks and
strokes right after that Marchtime change.
(02:19):
Now there are some ways to easethis adjustment, including
getting more sunshine to helpreset your circadian rhythm for
a healthful sleep.
Hawaii, arizona they don't makethis spring switch, and puerto
rico, american samoa, guam andthe us virgin islands do not
(02:42):
either.
Worldwide, dozens of countriesalso observe this daylight
savings time, starting andending with different dates.
Some folks they try to preparefor daylight savings time to
sleep a jolt by going to bed alittle earlier, two or three
nights ahead.
With a third of American adultsalready not getting the
(03:03):
recommended seven hours ofnightly shut-eye, catching up
can be quite challenging.
You see, our brains have amaster clock that is set by
exposure to sunlight anddarkness.
This circadian rhythm isroughly a 24-hour cycle that
determines when we become sleepyand when we get more alert.
(03:23):
The patterns change, of course,as we get older.
Oh, I'm not too old, I'm only61.
And one reason that early torise youngsters evolve into hard
to awaken teens.
Morning light resets thatrhythm.
By evening, levels of a hormonecalled melatonin begin to surge
(03:45):
, triggering sleepiness.
You know, you're watching thenews and you're like, good lord,
it's not that boring, but I'msleepy.
Well, this is the melatoninkicking in.
That extra hour from daylightsavings time delays that surge
and the cycle gets out of sync,which is not good.
You know they've actually foundfatal car crashes temporarily
(04:10):
jump up the first few days afterthe springtime change, as,
according to a study done by theUS, traffic Fatalities.
On top of that there's also anassociated cardiac connection.
The American Heart Associationpoints to studies that suggest
an uptick in heart attacks onthe Monday after daylight
(04:31):
savings time begins and instrokes two days afterward.
Gosh folks, maybe we shouldrethink this spring forward
thing.
Well, doctors already know thatheart attacks, especially
severe ones, are a bit morecommon on Mondays generally and
in the morning when the blood ismore clot-prone.
(04:52):
Researchers don't know why thetime change would add to that
Monday connection, but it'spossible.
The abrupt circadian disruptionexacerbates factors such as
high blood pressure in peoplethat are already at a risk,
gradually shifts bedtimes about15 to 20 minutes earlier for
(05:13):
several nights before the timechain and rising earlier the
next morning too.
Go outside for early morningsunshine.
That first week of daylightsavings time, another way to
reset your body's eternal clock.
Moving up daily routines likedinner time or when you exercise
also may help cue your body toget to start adapting.
(05:36):
And this is what sleep expertsadvise or recommend.
Recommend afternoon naps andcaffeine, as well as evening
light from phones and otherelectronic devices, can make
this adjustment to an earlierbedtime even harder, so you
might want to think aboutputting down those devices a
(05:56):
little earlier.
Every year there's talk aboutending this time change.
Okay, remember in December?
Then december, thenpresident-elect, this first time
around promised to eliminatedaylight savings time, where for
the last several years, abipartisan bill named the
sunshine protection act oh, youknow that's terrible sunshine
(06:22):
protection act.
Saving daylight savings timeand making it permanent has
always stalled in Congress.
It's been reintroduced thisyear, so hopefully President
Trump will really take a hardlook at this and maybe, just
maybe, we can actually get thisgone.
(06:44):
We can only hope, me.
I hope they get rid of it Allright.
Well, on another note, there's afew little things that I found
very interesting that I cameacross in another article on
Financial Buzz and this is kindof hilarious because I am
completely guilty of some ofthese things.
I'll own it.
(07:05):
I mean, wow, this is the 11dumbest things that smart people
do to waste money.
Well, here's one that I used tobe that way on, but I got wised
up, and that's on car insurance.
You know you could bepotentially wasting about 600600
(07:26):
every year on overpriced,second-rate car insurance and
you probably should cancel yourexisting insurance right now
because there's something much,much better out there.
Me, when we moved up into thisarea, I got a hold of a man
named Mike Thompson.
He's there in Aubrey.
He has the Mike ThompsonInsurance Company.
His phone number is940-543-5713.
(07:52):
Since I have done that, I havegone to the website thezebracom
in search of cheaper auto andcombined auto home insurances
cheaper auto and combined autohome insurances.
Haven't found anybody that canbeat the prices that mike
thompson's group, uh, has put usinto, and I must say I am very
(08:13):
pleased with that.
So if you want to look atgetting a good discount on your
insurance, contact the mikethompson Thompson Insurance
Group up in Aubrey, 940-343-5713, and I guarantee you he can
find you a better insurance planfor your home and auto.
Check it out.
(08:34):
The next thing credit card debt.
All right, credit cards that'sa nasty subject my grandfather
told me when I was a little kidabout credit cards.
He said never carry a balance,always pay it off before the end
of the month so you're notcharged the interest.
If you can do that, then youcan have a credit card.
(08:56):
Well, unfortunately, only about1% of Americans are able to do
that because they have thediscipline to do that.
I'm not saying everybody elsedoesn't, no, just life gets in
the way and they make the tragicmistake of, oh, I want this
right now and I can do it withthis card and I'll just pay it
(09:18):
later.
Well, later never comes and thebalance gets higher and the
interest starts compounding, andyou know the story.
So really think about that.
If you really truly think youare disciplined enough to pay
off a balance on a credit cardevery month before the end of
the month, then by all means usethem.
(09:39):
They're great, they'reexcellent tools.
But if you find yourselfslipping into that, oh, I can
pay it later, or oh, I just haveto look, you don't have to have
something right now.
Years ago my mom and dad didn'teven have credit cards.
Those didn't come around tillprobably in the late seventies,
(10:00):
early eighties.
So if they wanted something andthey really, really wanted it
bad, they had to just wait, savetheir money until they had the
cash.
And cash is king, always,always, always.
When I go get groceries, Inever charge them on a credit
card.
I pay cash, you know, andpeople get.
Look at me like I'm crazy orsomething, but you know what
(10:21):
cash is king it.
Another thing and this getsback to the insurance, home
insurances.
Call Mike Thompson.
Bundle those and you would beamazed at how much money you can
save.
But here's the other one numberfour online shopping.
Oh, wow, yes, even Amazon.
(10:43):
I'm very guilty of Amazon.
I go into a store in search ofsomething.
I even have the cash to buy itbecause I've looked it up online
and it says it was in the store.
Now I go to the store.
Oh, we don't have that.
We're out.
It's not on our inventory anylonger.
(11:04):
I don't know when we're goingto get it.
How many of you heard thisexcuses?
Myself?
A lot of times, in fact, I'vebeen so arrogant, to the point
where I said, look, this is whatI want.
And I have my Amazon app openand I said you don't have it
(11:24):
right, right?
You don't know when you'regoing to get it right, right?
You no longer carry it intoyour inventory because it wasn't
selling right, right?
Watch this.
Pam hit the button.
Boom, oh, I'm getting ittomorrow.
You just lost a sale.
Um, you know, I'm meaning thiswith all true sincerity, trying
(11:46):
to wake these guys up.
I come from a procurementbackground and inventory is
highly important in that, andsometimes these companies be at
large, be it, you know, be atCostco, be at Walmart, be at
Sam's club, be at Target I don'tknow what happened if they just
took a drink of stupid andthey're not paying attention.
(12:09):
But they better wake up becauseI tell you what that little
button that you hit and you canget delivered the next day is
powerful.
I try not to use it very oftenbut honestly, I find myself
using it more and more and well,that's on for a whole nother
story.
(12:30):
Number five high interest debt.
Okay, folks, how many of youever gotten into one of those
credit cards that narrow upthere at like 30%?
Okay, um, tried national debtrelief.
If you're stuck in there andyou're choking to death on high
credit card debt, contactNational Debt Relief, go through
(12:50):
their program and then don't doit again.
That's all I'm going to say onthat.
Number six restaurants and mealdelivery.
Maddie and I really never havebeen big fans of eating out at
restaurants anyway, because ofhealth reasons, and you all know
that we have the health newsreport that we bring to you.
Folks, join AMAC if you're upin my age group, hey, you get
(13:16):
discounts from restaurants,meals, deliveries, airfare,
hotels, cruises, rental cars,eyeglasses and a whole bunch of
plethora of other things.
You know, take advantage ofthese things.
You don't even have to be 50 tojoin, just join it.
You know, just go to thatamaccom and sign up.
(13:37):
You know, you'll get someamazing discounts.
Home repairs, number seven Don'tlet them drain your bank
account.
Okay, folks, listen, if youhave home repairs and I've seen
this a lot on on the facebookpage where do I find a good
plumber?
Where do I find a goodelectrician?
(13:58):
Where do I find thislistenarrantycom?
Get yourself a home warranty inaddition to your insurance that
you have on your house.
I'll tell you how it works.
I have a pipe break in mykitchen sink.
I pick up the phone, I callthem up.
(14:20):
$89.
That's all it costs me out ofpocket.
Plumber comes out and he fixesthe pipe and he goes and the
home warranty is covering thecosts of the repair.
Super easy, super inexpensive.
Most of the time, most of therepairs I can do myself.
But the big, big, big ones,like if I start getting into
(14:41):
some highly, highly dangerouselectrical, I'll call them.
I'll have an electrician comeout, have the electrician fix it
.
It costs me $89.
That's it To have him come outand do the repair.
They cover the cost and you'redone.
You need this insurance.
If you own a home, you need tohave a policy by choice home
(15:05):
warranty.
Reach out to them, get a freequote.
Home equity, number eight.
A lot of homeowners make thisbig mistake.
Oh, you know what I got?
All this credit card debt.
I'll just roll it over into ahome equity loan, use my home
equity to pay it off.
Then I just have the homeequity loan and the interest on
that is tax deductible.
(15:25):
Yes, that's true on everything.
But here's the problem they gotinto the credit card debt
because they weren't disciplinedenough to pay off the debt.
So they do the home equity loan, they pay off the credit card
debt.
Then they go back and getdeeper into debt.
Take Dave Ramsey's FinancialPeace University.
He's dead against credit cardsfor a very good reason because
(15:47):
he knows that only 1% ofAmericans have the discipline to
use them the way they weremeant to be used and the rest of
us don't and wind up back inthe deep hole of debt.
That's all I'm gonna say onthat tax debt.
(16:11):
If you are.
Oh, uncle sam, contactalleviate tax.
It's designed to help folks whohave that tax burden.
And, of course, number 10identity theft.
You need to really be mindfulof that.
If you don't have any type ofidentity theft protection, I
highly recommend you get it.
Norton offers it, I use theirs,I use others.
So get those things, get themon, get them watching.
(16:32):
And 11 overpaying on weightloss medicines.
Well, I'm guilty as charged onthis.
Maddie and I, we are always onthe lookout for good things and
well, we've gotten ourselves ina bit of a pickle sometimes.
So just be mindful of thosethings.
(16:54):
Work with your doctor, workwith a good doctor.
If you don't feel like yourdoctor's any good, find a doctor
.
That is.
I'm not going to give anyrecommendations on that over
this.
If you want some, you can reachout to me crossroadspodcast2023
at gmailcom and I'll be happyto forward those to you.
(17:16):
Now we are in spring and it'sgarden planting time, so guess
what folks.
And it's garden planting time,so guess what folks.
In our area we are consideredto be in section eight, so that
means March and April, orFebruary.
March and April are ourplanting months.
(17:37):
We've got to get it done.
You should get it done probablybefore April.
I've got some sweet squasheslaunching up in my kitchen
window that I'm going totransfer out into my garden and
I'm going to go to Walmart ordown to the local nurseries and
grab some more plants andreplant my garden and I hope to
(17:59):
have a very successful one thisyear.
But here's some things that Iwant to share with you.
There are five things you mustdo to keep rosemary always thick
and fragrant.
I use rosemary a lot.
I use it in the bread, I use itin chicken.
It's good on meat, it's good onpotatoes, it's good I mean gosh
.
If I could just take and scoopit off in my mouth on the plant
(18:20):
I wouldn't recommend doing that.
Might give you a little chill.
It's a little bit of a bitterherb but when you chop it up and
add it to sugar and salt itreally balances out.
So five things to keep italways thick and fragment
planting in the soil.
Rosemary thrives in sandy, loamysoil with good drainage.
(18:41):
Avoid heavy water-retentivesoil to prevent root rot.
Ensure plenty of sunlight.
Rosemary loves the sun.
Place it in a spot with atleast six to eight hours of
direct sunlight daily foroptimal growth.
Folks, you can grow rosemary onyour patio, in your kitchen
window, definitely.
(19:01):
You know you want to look atthat.
So water it sparingly.
Overwatering is a commonmistake with rosemary.
Let the soil dry out betweenwatering sessions to maintain a
healthy root system.
Prune it regularly.
Trim your rosemary often toencourage bushy growth.
Cutting back leggy stems willkeep the plant thick and full.
(19:23):
That's what you want to do anduse organic fertilizer.
Feed your rosemary with a lightapplication of organic
fertilizer or compost during thegrowing season to enhance its
fragrance and vigor.
Oh also, I forgot to mentionrosemary is an excellent
mosquito repellent.
I'm just saying so.
It's a good place to have onyour patio, definitely Now
(19:45):
companion planting.
So it's very important to knowthis.
Tomatoes and cucumbers theydon't get along too well, and
placing plants in the soil andhoping for the best doesn't
really work as well.
So it involves understandingthe intricate relationships
(20:06):
between plants and utilizingtheir natural tendencies to
promote growth, deter pests, ofcourse, and maximize yield.
Because why do you plant agarden?
You want the vegetables.
I know I do so.
One fascinating aspect of thisis companion planting.
It's a strategic method ofplanting plants to enhance their
development.
However, not all plants makegood neighbors.
(20:28):
Like I said, tomatoes andcucumbers not too not too well.
They don't like each other.
They have conflicting growinghabits, they're constantly
competing for the nutrients inthe soil and they're susceptible
to diseases.
So here's some strategies forsuccessful companion planting
(20:52):
Use vertical gardening Trainthose tomatoes to grow
vertically with stakes or cages,and allows the cucumbers to
have ample space to spreadaround across the ground.
Or climb trestles separately inanother part of the garden,
trestles separately in anotherpart of the garden.
Intercropping with beneficialplants Instead of placing
tomatoes and cucumbers together,consider intercropping them
(21:13):
with plants that support theirgrowth.
Basil and marigolds areexcellent companions for
tomatoes.
They help repair pests likeaphids and hornworms.
Also, if you get a gardenspider in your tomato plant,
leave it alone.
Don't squish the thing.
He doesn't want to bite you.
He wants to eat the aphids.
Leave him alone, he won'tbother you.
(21:34):
You can reach around his weband pick your tomatoes, just
fine.
I know they're an intimidatinglooking arachnophoid, but guess
what?
They're fine.
They won't hurt you, as long asyou don't really just go in
there and shake him up.
Then I mean you'd be mad ifsomebody grabbed you and shook
your house up, right?
No, you'd be going out theregiving them a piece of your mind
.
I don't think of the spider.
(21:55):
The same way, crop rotationAvoid planting tomatoes or
cucumbers in the same spot eachyear.
Rotate them out Definitely thisis a really good thing and
create physical separation.
If space is limited, like in mybackyard, consider growing
tomatoes and cucumbers inseparate raised beds or
containers.
This is what I do.
(22:15):
It allows them to coexist inthe same garden while reducing
competition and disease spread.
Okay.
Now there's some other goodies,okay, that I want to bring up.
There are 13 foods that you canactually grow.
You can buy them once andregrow them forever.
(22:36):
Is that cool, or what?
So let me share you with someof those Green onions.
Green onions are some of theeasiest vegetables to regrow.
Once you've used the green tops, save the white bulbs with the
roots attached.
So don't chop off that root.
Deal, leave it attached.
The green onions regrow quicklyand can be harvested multiple
(22:59):
times.
I did not know this Guess what.
I am planting them in mybackyard and I will be using it
over and over and over Garlic.
Garlic's another kitchen staple.
I grow garlic in my window.
It's easy to do you just plantthe clove down into the dirt
water it keep it moist and youhave a continuous fresh supply
(23:20):
of garlic.
Romaine lettuce Romaine lettucecan be regrown from the leftover
base of the lettuce head.
Instead of tossing it in thecompost, use it to regrow fresh
leaves for salads.
How do you regrow it?
Well, you place the lettucebase in a shallow dish of about
one inch of water.
Place the dish in a sunny spotand refresh the water every few
(23:44):
days.
After a week, you'll see newleaves sprouting from the center
.
Transplant it into soil forcontinued growth.
Celery this is another one.
Celery is a vegetable that youcan regrow from its base.
With just a bit of water andsunlight, you can produce fresh
celery in your home.
How do you regrow it?
Cut off the base of the celery,place it in a shallow dish of
(24:06):
water, keep it in a sunny areaand within a week, you'll notice
new leaves sprouting from thecenter.
Transplant the celery into soilto encourage further growth.
How cool is that?
Awesome potatoes, of course youknow when the potatoes get them
little eyeballs that grow outalready.
Throw that dude into the groundand, voila, you will have some
(24:29):
more potatoes.
Now, keep in mind potatoes willtake up a lot of area, so you
might want to give them theirown little space.
The same with sweet potatoescarrot tops.
While you can't regrow wholecarrots from scraps, you can
regrow their leafy tops, whichare great for garnishes, soups
(24:50):
and salads.
So how do you do this?
You cut the tops off of yourcarrots, leaving about one inch
of the carrot attached.
Place the tops in a shallowdish of water.
Place it in a sunny spot and ina few days green leaves will
begin to grow.
Then you transplant it into thedirt and start over again.
Basil my favorite herb is itregrows easily from cuttings.
(25:14):
Once you've planted a bunch ofbasil, you can continue to grow
new plants from the stems.
I pull my plant in in thewinter time and keep it in the
window, and it's growing.
It's doing great.
I'm getting ready to transplantsome of it right now.
It's flowered and ready to rockand roll.
Uh, place the basil stemswithin four inches length of a
glass of water.
(25:34):
Place the glass in sunlight andthe roots will begin to form in
about a week.
Once the roots are two incheslong, transplant the stems into
soil.
It's that simple, folks, reallyawesome.
Cilantro is another herb you canregrow from cuttings, ensuring
you always have fresh herbs foryour favorite dishes.
You place the cilantro stems ina glass of water, just like the
(25:54):
carrot, just like the basil.
After the roots grow a fewinches long, transfer to the
soil.
Cilantro grows quickly and canbe harvested within a few weeks.
Leeks similar to green onionscan be regrown from the root end
.
They are low-maintenance andwill provide a fresh supply of
leeks in your kitchen.
How do you regrow them?
(26:15):
You place the root end of theleek in a glass of water,
ensuring the roots are submerged.
Place the water in a sunny spot.
Folks, it's that simple.
If you've got a big kitchenwindow, you can do this all
there.
New green leaves will start togrow once they've grown.
A few inches of transplantedinto soil Ginger can be regrown
from a small piece of gingerroot.
(26:36):
Over time, this piece will growinto a new plant, providing you
with fresh ginger for years.
How do you regrow it?
You plant a small piece ofginger root with the bud facing
up about one inch deep in soil.
Root, with the bud facing upabout one inch deep in soil.
Keep the soil moist and placethe pot in direct sunlight.
In a few weeks, new shoots willbegin to grow and eventually
(26:58):
you'll have a full ginger plantPineapple.
This one's cool.
I've actually done this.
It's tropical fruit that can beregrown from its leafy top.
Although it takes time, you cangrow a new pineapple plant
right in your home.
So you twist the top of apineapple, remove any excess
fresh fruit, let it dry for aday, then place it in a jar of
(27:20):
water or plant it directly intothe soil.
Pineapples take time to grow,but with patience and care
you'll have a fresh homegrownpineapple in about two years.
You'll have a fresh homegrownpineapple in about two years.
Not bad.
Green peppers, bell peppers andother varieties of peppers can
be regrown from the seeds insidethe fruit.
Once planted, they'll provide acontinuous supply of fresh
(27:41):
peppers.
How to regrow Save the seedsfrom a ripe bell pepper.
Allow them to dry.
Plant the seeds in the soil,keeping them warm and well
watered.
Once the seedlings areestablished, transfer them to
larger pots or to your garden.
Regrowing food kitchen scrapsis an easy and sustainable way
to keep your produce safe, freshand continuous.
(28:02):
How cool is that?
All right.
Well, enough of that talk.
For local events and meetingscoming up, make sure you check
on the town calendar, www.
crossroadstx.
gov.
The Municipal DevelopmentDistrict will hold its meeting
(28:23):
on Thursday, March 13th at 6 pm.
Town Council will have itsmeeting on Monday, March 17th at
6 pm.
Town Council will have itsmeeting on Monday, March 17th at
6 pm.
On Sunday, March 30th, the BossLadies will have their Bloom
Market from 10 am to 2 pm.
There will be 30 plus localvendors, so bring your wallets
and take advantage of some greatdeals.
(28:43):
This is an amazing group ofladies who have put together a
really awesome market.
Reach out to them on theirFacebook page.
Boss Ladies of North Texas.
See you there.
Be on the lookout for thoseTXDOT crewmen and crew women
when driving around our town.
We thank them for their veryhard work in completing our
roads.
On a sweet note, I hope to seesome of you up at Pilot Point
(29:07):
Coffee House for sessions onTuesday, March 11th, that's
tomorrow.
I miss my friends, so I'm goingto this Tuesday.
Come on out and jam with us.
Check out Pilot Point CoffeeHouse on Facebook for more
amazing events this month.
If you like what you heardtoday, drop us a text on the
episode.
Send us an email atcrossroadspodcast2023@ gmailcom.
(29:31):
Stay tuned in until next week,as Mady and I will bring you
some great health news and I'llsee you at the top!
Good morning Cross Roads.
Well, spring has sprung andtoday I have a few garden tips I
want to share, as well as someother goodies.
Unfortunately, we have alreadycrossed at a terrible abyss, to
the dreaded point when we haveto move our clocks ahead one
hour, so I'm going to start withthat.
I came across an article onNewsmax that discusses exactly
this dilemma that we have how toprepare to spring forward this
(01:37):
weekend.
Now we all know and dread andalmost hate and despise this
moving ahead losing an hour, andthere's a good reason for that.
Most Americans springs forwardSunday for daylight savings time
, and losing that hour of sleepcan do more than leave you tired
and cranky the next day.
(01:58):
It could also harm your health.
Harm your health.
Darker mornings and moreevening light together knock
your body clock out of whack,which means daylight savings
times can usher in sleep troublefor weeks or longer.
Studies has even found anuptick in heart attacks and
strokes right after that Marchtime change.
(02:19):
Now there are some ways to easethis adjustment, including
getting more sunshine to helpreset your circadian rhythm for
a healthful sleep.
Hawaii, arizona they don't makethis spring switch, and puerto
rico, american samoa, guam andthe us virgin islands do not
(02:42):
either.
Worldwide, dozens of countriesalso observe this daylight
savings time, starting andending with different dates.
Some folks they try to preparefor daylight savings time to
sleep a jolt by going to bed alittle earlier, two or three
nights ahead.
With a third of American adultsalready not getting the
(03:03):
recommended seven hours ofnightly shut-eye, catching up
can be quite challenging.
You see, our brains have amaster clock that is set by
exposure to sunlight anddarkness.
This circadian rhythm isroughly a 24-hour cycle that
determines when we become sleepyand when we get more alert.
(03:23):
The patterns change, of course,as we get older.
Oh, I'm not too old, I'm only61.
And one reason that early torise youngsters evolve into hard
to awaken teens.
Morning light resets thatrhythm.
By evening, levels of a hormonecalled melatonin begin to surge
(03:45):
, triggering sleepiness.
You know, you're watching thenews and you're like, good lord,
it's not that boring, but I'msleepy.
Well, this is the melatoninkicking in.
That extra hour from daylightsavings time delays that surge
and the cycle gets out of sync,which is not good.
You know they've actually foundfatal car crashes temporarily
(04:10):
jump up the first few days afterthe springtime change, as,
according to a study done by theUS, traffic Fatalities.
On top of that there's also anassociated cardiac connection.
The American Heart Associationpoints to studies that suggest
an uptick in heart attacks onthe Monday after daylight
(04:31):
savings time begins and instrokes two days afterward.
Gosh folks, maybe we shouldrethink this spring forward
thing.
Well, doctors already know thatheart attacks, especially
severe ones, are a bit morecommon on Mondays generally and
in the morning when the blood ismore clot-prone.
(04:52):
Researchers don't know why thetime change would add to that
Monday connection, but it'spossible.
The abrupt circadian disruptionexacerbates factors such as
high blood pressure in peoplethat are already at a risk,
gradually shifts bedtimes about15 to 20 minutes earlier for
(05:13):
several nights before the timechain and rising earlier the
next morning too.
Go outside for early morningsunshine.
That first week of daylightsavings time, another way to
reset your body's eternal clock.
Moving up daily routines likedinner time or when you exercise
also may help cue your body toget to start adapting.
(05:36):
And this is what sleep expertsadvise or recommend.
Recommend afternoon naps andcaffeine, as well as evening
light from phones and otherelectronic devices, can make
this adjustment to an earlierbedtime even harder, so you
might want to think aboutputting down those devices a
(05:56):
little earlier.
Every year there's talk aboutending this time change.
Okay, remember in December?
Then december, thenpresident-elect, this first time
around promised to eliminatedaylight savings time, where for
the last several years, abipartisan bill named the
sunshine protection act oh, youknow that's terrible sunshine
(06:22):
protection act.
Saving daylight savings timeand making it permanent has
always stalled in Congress.
It's been reintroduced thisyear, so hopefully President
Trump will really take a hardlook at this and maybe, just
maybe, we can actually get thisgone.
(06:44):
We can only hope, me.
I hope they get rid of it Allright.
Well, on another note, there's afew little things that I found
very interesting that I cameacross in another article on
Financial Buzz and this is kindof hilarious because I am
completely guilty of some ofthese things.
I'll own it.
(07:05):
I mean, wow, this is the 11dumbest things that smart people
do to waste money.
Well, here's one that I used tobe that way on, but I got wised
up, and that's on car insurance.
You know you could bepotentially wasting about 600600
(07:26):
every year on overpriced,second-rate car insurance and
you probably should cancel yourexisting insurance right now
because there's something much,much better out there.
Me, when we moved up into thisarea, I got a hold of a man
named Mike Thompson.
He's there in Aubrey.
He has the Mike ThompsonInsurance Company.
His phone number is940-543-5713.
(07:52):
Since I have done that, I havegone to the website thezebracom
in search of cheaper auto andcombined auto home insurances
cheaper auto and combined autohome insurances.
Haven't found anybody that canbeat the prices that mike
thompson's group, uh, has put usinto, and I must say I am very
(08:13):
pleased with that.
So if you want to look atgetting a good discount on your
insurance, contact the mikethompson Thompson Insurance
Group up in Aubrey, 940-343-5713, and I guarantee you he can
find you a better insurance planfor your home and auto.
Check it out.
(08:34):
The next thing credit card debt.
All right, credit cards that'sa nasty subject my grandfather
told me when I was a little kidabout credit cards.
He said never carry a balance,always pay it off before the end
of the month so you're notcharged the interest.
If you can do that, then youcan have a credit card.
(08:56):
Well, unfortunately, only about1% of Americans are able to do
that because they have thediscipline to do that.
I'm not saying everybody elsedoesn't, no, just life gets in
the way and they make the tragicmistake of, oh, I want this
right now and I can do it withthis card and I'll just pay it
(09:18):
later.
Well, later never comes and thebalance gets higher and the
interest starts compounding, andyou know the story.
So really think about that.
If you really truly think youare disciplined enough to pay
off a balance on a credit cardevery month before the end of
the month, then by all means usethem.
(09:39):
They're great, they'reexcellent tools.
But if you find yourselfslipping into that, oh, I can
pay it later, or oh, I just haveto look, you don't have to have
something right now.
Years ago my mom and dad didn'teven have credit cards.
Those didn't come around tillprobably in the late seventies,
(10:00):
early eighties.
So if they wanted something andthey really, really wanted it
bad, they had to just wait, savetheir money until they had the
cash.
And cash is king, always,always, always.
When I go get groceries, Inever charge them on a credit
card.
I pay cash, you know, andpeople get.
Look at me like I'm crazy orsomething, but you know what
(10:21):
cash is king it.
Another thing and this getsback to the insurance, home
insurances.
Call Mike Thompson.
Bundle those and you would beamazed at how much money you can
save.
But here's the other one numberfour online shopping.
Oh, wow, yes, even Amazon.
(10:43):
I'm very guilty of Amazon.
I go into a store in search ofsomething.
I even have the cash to buy itbecause I've looked it up online
and it says it was in the store.
Now I go to the store.
Oh, we don't have that.
We're out.
It's not on our inventory anylonger.
(11:04):
I don't know when we're goingto get it.
How many of you heard thisexcuses?
Myself?
A lot of times, in fact, I'vebeen so arrogant, to the point
where I said, look, this is whatI want.
And I have my Amazon app openand I said you don't have it
(11:24):
right, right?
You don't know when you'regoing to get it right, right?
You no longer carry it intoyour inventory because it wasn't
selling right, right?
Watch this.
Pam hit the button.
Boom, oh, I'm getting ittomorrow.
You just lost a sale.
Um, you know, I'm meaning thiswith all true sincerity, trying
(11:46):
to wake these guys up.
I come from a procurementbackground and inventory is
highly important in that, andsometimes these companies be at
large, be it, you know, be atCostco, be at Walmart, be at
Sam's club, be at Target I don'tknow what happened if they just
took a drink of stupid andthey're not paying attention.
(12:09):
But they better wake up becauseI tell you what that little
button that you hit and you canget delivered the next day is
powerful.
I try not to use it very oftenbut honestly, I find myself
using it more and more and well,that's on for a whole nother
story.
(12:30):
Number five high interest debt.
Okay, folks, how many of youever gotten into one of those
credit cards that narrow upthere at like 30%?
Okay, um, tried national debtrelief.
If you're stuck in there andyou're choking to death on high
credit card debt, contactNational Debt Relief, go through
(12:50):
their program and then don't doit again.
That's all I'm going to say onthat.
Number six restaurants and mealdelivery.
Maddie and I really never havebeen big fans of eating out at
restaurants anyway, because ofhealth reasons, and you all know
that we have the health newsreport that we bring to you.
Folks, join AMAC if you're upin my age group, hey, you get
(13:16):
discounts from restaurants,meals, deliveries, airfare,
hotels, cruises, rental cars,eyeglasses and a whole bunch of
plethora of other things.
You know, take advantage ofthese things.
You don't even have to be 50 tojoin, just join it.
You know, just go to thatamaccom and sign up.
(13:37):
You know, you'll get someamazing discounts.
Home repairs, number seven Don'tlet them drain your bank
account.
Okay, folks, listen, if youhave home repairs and I've seen
this a lot on on the facebookpage where do I find a good
plumber?
Where do I find a goodelectrician?
(13:58):
Where do I find thislistenarrantycom?
Get yourself a home warranty inaddition to your insurance that
you have on your house.
I'll tell you how it works.
I have a pipe break in mykitchen sink.
I pick up the phone, I callthem up.
(14:20):
$89.
That's all it costs me out ofpocket.
Plumber comes out and he fixesthe pipe and he goes and the
home warranty is covering thecosts of the repair.
Super easy, super inexpensive.
Most of the time, most of therepairs I can do myself.
But the big, big, big ones,like if I start getting into
(14:41):
some highly, highly dangerouselectrical, I'll call them.
I'll have an electrician comeout, have the electrician fix it
.
It costs me $89.
That's it To have him come outand do the repair.
They cover the cost and you'redone.
You need this insurance.
If you own a home, you need tohave a policy by choice home
(15:05):
warranty.
Reach out to them, get a freequote.
Home equity, number eight.
A lot of homeowners make thisbig mistake.
Oh, you know what I got?
All this credit card debt.
I'll just roll it over into ahome equity loan, use my home
equity to pay it off.
Then I just have the homeequity loan and the interest on
that is tax deductible.
(15:25):
Yes, that's true on everything.
But here's the problem they gotinto the credit card debt
because they weren't disciplinedenough to pay off the debt.
So they do the home equity loan, they pay off the credit card
debt.
Then they go back and getdeeper into debt.
Take Dave Ramsey's FinancialPeace University.
He's dead against credit cardsfor a very good reason because
(15:47):
he knows that only 1% ofAmericans have the discipline to
use them the way they weremeant to be used and the rest of
us don't and wind up back inthe deep hole of debt.
That's all I'm gonna say onthat tax debt.
(16:11):
If you are.
Oh, uncle sam, contactalleviate tax.
It's designed to help folks whohave that tax burden.
And, of course, number 10identity theft.
You need to really be mindfulof that.
If you don't have any type ofidentity theft protection, I
highly recommend you get it.
Norton offers it, I use theirs,I use others.
So get those things, get themon, get them watching.
(16:32):
And 11 overpaying on weightloss medicines.
Well, I'm guilty as charged onthis.
Maddie and I, we are always onthe lookout for good things and
well, we've gotten ourselves ina bit of a pickle sometimes.
So just be mindful of thosethings.
(16:54):
Work with your doctor, workwith a good doctor.
If you don't feel like yourdoctor's any good, find a doctor
.
That is.
I'm not going to give anyrecommendations on that over
this.
If you want some, you can reachout to me crossroadspodcast2023
at gmailcom and I'll be happyto forward those to you.
(17:16):
Now we are in spring and it'sgarden planting time, so guess
what folks.
And it's garden planting time,so guess what folks.
In our area we are consideredto be in section eight, so that
means March and April, orFebruary.
March and April are ourplanting months.
(17:37):
We've got to get it done.
You should get it done probablybefore April.
I've got some sweet squasheslaunching up in my kitchen
window that I'm going totransfer out into my garden and
I'm going to go to Walmart ordown to the local nurseries and
grab some more plants andreplant my garden and I hope to
(17:59):
have a very successful one thisyear.
But here's some things that Iwant to share with you.
There are five things you mustdo to keep rosemary always thick
and fragrant.
I use rosemary a lot.
I use it in the bread, I use itin chicken.
It's good on meat, it's good onpotatoes, it's good I mean gosh
.
If I could just take and scoopit off in my mouth on the plant
(18:20):
I wouldn't recommend doing that.
Might give you a little chill.
It's a little bit of a bitterherb but when you chop it up and
add it to sugar and salt itreally balances out.
So five things to keep italways thick and fragment
planting in the soil.
Rosemary thrives in sandy, loamysoil with good drainage.
(18:41):
Avoid heavy water-retentivesoil to prevent root rot.
Ensure plenty of sunlight.
Rosemary loves the sun.
Place it in a spot with atleast six to eight hours of
direct sunlight daily foroptimal growth.
Folks, you can grow rosemary onyour patio, in your kitchen
window, definitely.
(19:01):
You know you want to look atthat.
So water it sparingly.
Overwatering is a commonmistake with rosemary.
Let the soil dry out betweenwatering sessions to maintain a
healthy root system.
Prune it regularly.
Trim your rosemary often toencourage bushy growth.
Cutting back leggy stems willkeep the plant thick and full.
(19:23):
That's what you want to do anduse organic fertilizer.
Feed your rosemary with a lightapplication of organic
fertilizer or compost during thegrowing season to enhance its
fragrance and vigor.
Oh also, I forgot to mentionrosemary is an excellent
mosquito repellent.
I'm just saying so.
It's a good place to have onyour patio, definitely Now
(19:45):
companion planting.
So it's very important to knowthis.
Tomatoes and cucumbers theydon't get along too well, and
placing plants in the soil andhoping for the best doesn't
really work as well.
So it involves understandingthe intricate relationships
(20:06):
between plants and utilizingtheir natural tendencies to
promote growth, deter pests, ofcourse, and maximize yield.
Because why do you plant agarden?
You want the vegetables.
I know I do so.
One fascinating aspect of thisis companion planting.
It's a strategic method ofplanting plants to enhance their
development.
However, not all plants makegood neighbors.
(20:28):
Like I said, tomatoes andcucumbers not too not too well.
They don't like each other.
They have conflicting growinghabits, they're constantly
competing for the nutrients inthe soil and they're susceptible
to diseases.
So here's some strategies forsuccessful companion planting
(20:52):
Use vertical gardening Trainthose tomatoes to grow
vertically with stakes or cages,and allows the cucumbers to
have ample space to spreadaround across the ground.
Or climb trestles separately inanother part of the garden,
trestles separately in anotherpart of the garden.
Intercropping with beneficialplants Instead of placing
tomatoes and cucumbers together,consider intercropping them
(21:13):
with plants that support theirgrowth.
Basil and marigolds areexcellent companions for
tomatoes.
They help repair pests likeaphids and hornworms.
Also, if you get a gardenspider in your tomato plant,
leave it alone.
Don't squish the thing.
He doesn't want to bite you.
He wants to eat the aphids.
Leave him alone, he won'tbother you.
(21:34):
You can reach around his weband pick your tomatoes, just
fine.
I know they're an intimidatinglooking arachnophoid, but guess
what?
They're fine.
They won't hurt you, as long asyou don't really just go in
there and shake him up.
Then I mean you'd be mad ifsomebody grabbed you and shook
your house up, right?
No, you'd be going out theregiving them a piece of your mind
.
I don't think of the spider.
(21:55):
The same way, crop rotationAvoid planting tomatoes or
cucumbers in the same spot eachyear.
Rotate them out Definitely thisis a really good thing and
create physical separation.
If space is limited, like in mybackyard, consider growing
tomatoes and cucumbers inseparate raised beds or
containers.
This is what I do.
(22:15):
It allows them to coexist inthe same garden while reducing
competition and disease spread.
Okay.
Now there's some other goodies,okay, that I want to bring up.
There are 13 foods that you canactually grow.
You can buy them once andregrow them forever.
(22:36):
Is that cool, or what?
So let me share you with someof those Green onions.
Green onions are some of theeasiest vegetables to regrow.
Once you've used the green tops, save the white bulbs with the
roots attached.
So don't chop off that root.
Deal, leave it attached.
The green onions regrow quicklyand can be harvested multiple
(22:59):
times.
I did not know this Guess what.
I am planting them in mybackyard and I will be using it
over and over and over Garlic.
Garlic's another kitchen staple.
I grow garlic in my window.
It's easy to do you just plantthe clove down into the dirt
water it keep it moist and youhave a continuous fresh supply
(23:20):
of garlic.
Romaine lettuce Romaine lettucecan be regrown from the leftover
base of the lettuce head.
Instead of tossing it in thecompost, use it to regrow fresh
leaves for salads.
How do you regrow it?
Well, you place the lettucebase in a shallow dish of about
one inch of water.
Place the dish in a sunny spotand refresh the water every few
(23:44):
days.
After a week, you'll see newleaves sprouting from the center
.
Transplant it into soil forcontinued growth.
Celery this is another one.
Celery is a vegetable that youcan regrow from its base.
With just a bit of water andsunlight, you can produce fresh
celery in your home.
How do you regrow it?
Cut off the base of the celery,place it in a shallow dish of
(24:06):
water, keep it in a sunny areaand within a week, you'll notice
new leaves sprouting from thecenter.
Transplant the celery into soilto encourage further growth.
How cool is that?
Awesome potatoes, of course youknow when the potatoes get them
little eyeballs that grow outalready.
Throw that dude into the groundand, voila, you will have some
(24:29):
more potatoes.
Now, keep in mind potatoes willtake up a lot of area, so you
might want to give them theirown little space.
The same with sweet potatoescarrot tops.
While you can't regrow wholecarrots from scraps, you can
regrow their leafy tops, whichare great for garnishes, soups
(24:50):
and salads.
So how do you do this?
You cut the tops off of yourcarrots, leaving about one inch
of the carrot attached.
Place the tops in a shallowdish of water.
Place it in a sunny spot and ina few days green leaves will
begin to grow.
Then you transplant it into thedirt and start over again.
Basil my favorite herb is itregrows easily from cuttings.
(25:14):
Once you've planted a bunch ofbasil, you can continue to grow
new plants from the stems.
I pull my plant in in thewinter time and keep it in the
window, and it's growing.
It's doing great.
I'm getting ready to transplantsome of it right now.
It's flowered and ready to rockand roll.
Uh, place the basil stemswithin four inches length of a
glass of water.
(25:34):
Place the glass in sunlight andthe roots will begin to form in
about a week.
Once the roots are two incheslong, transplant the stems into
soil.
It's that simple, folks, reallyawesome.
Cilantro is another herb you canregrow from cuttings, ensuring
you always have fresh herbs foryour favorite dishes.
You place the cilantro stems ina glass of water, just like the
(25:54):
carrot, just like the basil.
After the roots grow a fewinches long, transfer to the
soil.
Cilantro grows quickly and canbe harvested within a few weeks.
Leeks similar to green onionscan be regrown from the root end
.
They are low-maintenance andwill provide a fresh supply of
leeks in your kitchen.
How do you regrow them?
(26:15):
You place the root end of theleek in a glass of water,
ensuring the roots are submerged.
Place the water in a sunny spot.
Folks, it's that simple.
If you've got a big kitchenwindow, you can do this all
there.
New green leaves will start togrow once they've grown.
A few inches of transplantedinto soil Ginger can be regrown
from a small piece of gingerroot.
(26:36):
Over time, this piece will growinto a new plant, providing you
with fresh ginger for years.
How do you regrow it?
You plant a small piece ofginger root with the bud facing
up about one inch deep in soil.
Root, with the bud facing upabout one inch deep in soil.
Keep the soil moist and placethe pot in direct sunlight.
In a few weeks, new shoots willbegin to grow and eventually
(26:58):
you'll have a full ginger plantPineapple.
This one's cool.
I've actually done this.
It's tropical fruit that can beregrown from its leafy top.
Although it takes time, you cangrow a new pineapple plant
right in your home.
So you twist the top of apineapple, remove any excess
fresh fruit, let it dry for aday, then place it in a jar of
(27:20):
water or plant it directly intothe soil.
Pineapples take time to grow,but with patience and care
you'll have a fresh homegrownpineapple in about two years.
You'll have a fresh homegrownpineapple in about two years.
Not bad.
Green peppers, bell peppers andother varieties of peppers can
be regrown from the seeds insidethe fruit.
Once planted, they'll provide acontinuous supply of fresh
(27:41):
peppers.
How to regrow Save the seedsfrom a ripe bell pepper.
Allow them to dry.
Plant the seeds in the soil,keeping them warm and well
watered.
Once the seedlings areestablished, transfer them to
larger pots or to your garden.
Regrowing food kitchen scrapsis an easy and sustainable way
to keep your produce safe, freshand continuous.
(28:02):
How cool is that?
All right.
Well, enough of that talk.
For local events and meetingscoming up, make sure you check
on the town calendar, www.
crossroadstx.
gov.
The Municipal DevelopmentDistrict will hold its meeting
(28:23):
on Thursday, March 13th at 6 pm.
Town Council will have itsmeeting on Monday, March 17th at
6 pm.
Town Council will have itsmeeting on Monday, March 17th at
6 pm.
On Sunday, March 30th, the BossLadies will have their Bloom
Market from 10 am to 2 pm.
There will be 30 plus localvendors, so bring your wallets
and take advantage of some greatdeals.
(28:43):
This is an amazing group ofladies who have put together a
really awesome market.
Reach out to them on theirFacebook page.
Boss Ladies of North Texas.
See you there.
Be on the lookout for thoseTXDOT crewmen and crew women
when driving around our town.
We thank them for their veryhard work in completing our
roads.
On a sweet note, I hope to seesome of you up at Pilot Point
(29:07):
Coffee House for sessions onTuesday, March 11th, that's
tomorrow.
I miss my friends, so I'm goingto this Tuesday.
Come on out and jam with us.
Check out Pilot Point CoffeeHouse on Facebook for more
amazing events this month.
If you like what you heardtoday, drop us a text on the
episode.
Send us an email atcrossroadspodcast2023@ gmailcom.
(29:31):
Stay tuned in until next week,as Mady and I will bring you
some great health news and I'llsee you at the top!
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