Financial Preparedness: On-going Home Maintenance Saves Your Wallet From Major Repairs

Home Maintenance Checklist

As Needed:

• Close fireplace damper when not in use
• Fix leaky faucets
• Unclog slow-running drains

Monthly:

• Inspect and test smoke and fire alarms
• Inspect and replace filters as necessary (air conditioner, furnace, pool and so on)
• Clean vacuum grill and inside compressor unit of central air conditioner, when in use
• Walk around the house exterior to check general condition

Spring:

• Replace smoke and fire alarm batteries (at least twice per year)
• Cut back any trees or shrubs touching the exterior (at least twice per year)
• Inspect and touch up exterior paint
• Inspect foundation for water penetration, settlement, and cracks
• Inspect or treat exterior wood for splintering, decay, and inspect damage
• Inspect window insulation and remove storm windows
• Clean exterior or upper-story windows (twice per year)
• Install window screens, repairing as needed
• Clean gutters and inspect downspouts (twice per year)
• Inspect roof for warping, aging, moss, and cracking
• Perform seasonal pest control (quarterly)

Summer:

• Inspect exposed plumbing areas for dampness (twice per year)
• Fox loose or cracked caulking around tiles, sinks, tubs, showers, toilets and counters
• Inspect appliance hoses and ventilation according to owner's manuals
• Power wash, repair,refinish, and seal decks, reset any protruding nails
• Clean and lubricate sliding-glass-door tracks and window tracks
• Lubricate door hinges and locks
• Oil garage door(s)
• Patch driveway and other concrete, or treat asphalt
• Perform seasonal pest control (quarterly)

Fall:

• Replace smoke and fire alarm batteries (at least twice per year)
• Inspect and clean fireplace and chimney
• Service furnace or other heating system
• Clean and adjust humidifier on furnace
• Clean/vacuum heating ducts, grills and registers
• Clean upper story windows (twice per year)
• Inspect window screens and insulation, and install storm windows
• Inspect weather-stripping around doors and replace as needed.
• Cut back any trees or shrubs touching the roof or exterior (twice per year)
• Clean gutters and inspect downspouts (twice per year)
• Trim, cover, or bring in outdoor plants as needed
• Perform seasonal pest control (quarterly)

Winter:

• Recharge fire extinguishers
• Wax and buff wood floors
• Professionally clean curtains and drapes
• Inspect and touch up interior paint
• Inspect exposed plumbing areas for dampness (twice per year)
• Perform seasonal pest control (quarterly)
• Test for carbon monoxide

Disaster Preparedness: Protecting Valuable Records

Many people assume that floods, storms, hurricanes and other disasters happen to someone else and postpone taking care of family papers. But protecting family papers prepares you to deal with natural disasters.

An up to date household inventory is very valuable. When making the inventory, do not overlook tools stored in the garage, lawn furniture or food in the freezer. You may want to include a video or photographs of your inventory. An accurate inventory will help you determine if you have enough insurance to cover the contents of your home. Keep the inventory current.

Give additional copies of lists of valuables to your lawyer, the administrator of your will, a business associate, or trusted family member who doesn't live in your home.

Here's a list of the valuable papers you should keep in your safe deposit box:

• Stocks, financial records, and bond certificates
• Important receipts and bills of sale
• Property records, deeds, titles, and/or leases
• List of insurance policies
• Automobile bill of sale
• Household inventory
• Military service records
• Contracts (including promissory notes)
• Copyrights and patents
• Adoption papers
• A copy of your will (his and hers)
• Passports
• Custody papers
• Auto title
• Citizenship papers
• Birth certificates
• Religious records
• Death certificates
• Income tax returns that document large transactions, unusual losses, or deductions
• Marriage certificates
• Divorce decrees
• Social Security Cards
• Retirement Papers

These valuable papers may be kept at home in a fireproof, locked box:

• Advisers' names and addresses
• Copies of birth and marriage certificates
• Guarantees and warranties
• Driver's license numbers
• Educational records
• Income tax returns for past 3 years
• Employee benefits
• Appliance manuals
• Health Records
• Current bank statements
• Insurance policies
• Rental property records
• Loan payment books
• Safe deposit records and inventory of items
• Credit card numbers
• Bank account numbers

Source: North Carolina Cooperative Extension Service Specialists, NC State University

Disaster Preparedness: Correct Potential Hazards Before a Disaster

During and right after a disaster, any household item that can move, fall, break, or cause a fire becomes a home hazard. To minimize possible danger, inspect your home now to find and correct potential hazards.

Identifying Hazards

Check for electrical hazards

• Replace frayed or cracked extension and appliance cords, loose prongs, and plugs.
• Make sure there is only one plug per outlet. Avoid using cube-taps or overloading outlets. If you must use an extension cord, use a cord that’s rated for the electrical load and no longer than is really needed.
• Remove electrical cords that run under rugs or over nails, heaters, or pipes.
• Cover exposed outlets and wiring.
• Repair or replace appliances that overheat, short out, smoke, or spark.

Check for chemical hazards

• Store flammable liquids like gasoline, acetone, and lacquer thinner in approved safety cans in a storage area located away from the home. Place containers in a well-ventilated area and close the lids tightly. Secure the containers to prevent spills.
• If flammable materials must be stored in the home, use a storage can with an Underwriter’s Laboratories (UL) or Factory Mutual (FM) approved label. Move materials away from heat sources, open flames, gas appliances, and children.
• Keep combustible liquids like paint thinner, kerosene, charcoal lighter fluid, and turpentine away from heat sources.
• Store oily waste and polishing cloths in covered metal cans.
• Instruct family members not to use gasoline or other flammable fluids for starting fires or cleaning indoors.

Check for fire hazards

• Clear out old cloths, papers, mattresses, broken furniture, and other combustible materials.
• Move clothes, curtains, cloths, and paper goods away from electrical equipment, gas appliances, or flammable materials.
• Remove dried grass cuttings, tree trimmings, and weeds from the property.
• Clean and repair chimneys, flue pipes, vent connectors, and gas vents.
• Keep heaters and candles away from curtains and furniture.
• Keep portable heaters on level surfaces, away from high traffic areas. Purchase portable heaters equipped with automatic shut-off switches, and don’t use them with extension cords.

Safety Equipment

Check fire safety equipment

• Install at least one smoke detector on each level of the home, especially near the bedrooms. Test detectors every month and change batteries at least once a year.
• Keep at least one fire extinguisher (ABC-type) on hand. Maintain and recharge according to manufacturer’s instructions. Show all family members where it’s kept and make sure they know how to use it.

Secure Items

Check items that can shift or fall

• Anchor water heater, large appliances, bookcases, tall or heavy furniture, shelves, mirrors, and pictures to wall studs.
• Place large or heavy objects on lower shelves.
• Install clips, latches, or other locking devices on cabinet doors.
• Provide strong support and flexible connections on gas appliances, including the water heater.
• Hang heavy items, such as pictures and mirrors, away from beds and places where people sit.
• Repair any deep cracks in ceilings or foundations.

Utilities

Check your utilities

• Locate the main electric fuse or circuit breaker box, water service shut-off, and natural gas main shut-off.
• Contact local utility companies for instructions on how to turn off the utilities.
• Teach family members when and how to turn off utilities.
• Clear the area around shutoff switches for easy access. (Gas and water)
• Attach shut-off wrench or specialty tool to a pipe or other location close by the gas and water shut-off valves.
• Paint shut-off valves with white or fluorescent paint to increase visibility.

Home Safety

• Plan how to escape from your home in the event of an emergency.
• Identify at least two exits from each room.
• Clear doors, hallways, and stairs of obstructions. Conduct emergency drills.
• Practice daytime and nighttime escapes, and pick a safe meeting place outside the home.

Source: NC State Cooperative Extension

Growing Sprouts

Sprouts are tasty and delicious and growing them is a simple process, although it does require a few minutes of your time each day to get quality sprouts. They can be grown year-round, and provide an opportunity to get quality for simple gardening projects for limited spaces and for children. Seeds often used for sprouting include mung bean, soybean, lentil and alfalfa.

Purchasing seeds for sprouting:

When purchasing seeds for sprouting, be sure to get seeds that have not been treated with a fungicide, insecticide or any other material. This type of seed is available at health food stores and many supermarkets.

To grow sprouts:

• Begin with a clean, wide-mouthed quart jar with the desired amount of seed, generally not more than 1/4 cup. (Depending on the type of seed used, only one to two tablespoons may be required to fill a jar.)
  
• Cover the mouth of the jar with cheese cloth and secure with a rubber band or screw-top ring, or use a commercially available screw-top sprouting lid. Soak the seeds for 8-12 hours in a volume of water at least double the amount of the seeds. This will soften the seed coat for sprouting.
  
• After soaking, drain off the water and rinse the seeds. After the rinse water has been drained off, invert the jar and prop it at an angle with seed distributed evenly along the side of the jar. By placing the jar at an angle, the sprouts will have good drainage and air circulation.
  
• Keep the jar in a dark place, at 68-70 degrees Fahrenheit. Sprouts grown in a light location will turn green and may be bitter and tough.
  
• Continue to rinse the sprouts two to four times a day until they have grown to the desired length. Always be sure excess water is drained off the sprouts; if the sprouts remain in water, they could ferment and spoil.
  
• Some seeds need only to be sprinkled over a moist cloth or paper towel to sprout. Again, keep the seeds in the dark while they sprout, and keep them moist.
  
• Most sprouts will take two to five days to grow to their optimum size. Wash them thoroughly to remove the seed coat, if necessary. Sprouts may be kept for one to two weeks in the refrigerator if kept in a sealed container. Sprouts may be frozen by blanching them for three minutes and cooling them in ice water. Drain them and pack into freezer containers.
  
  DO NOT SPROUT TOMATO OR POTATO SEEDS--they are generally poisonous to humans.

Financial Preparedness: Preventing and Addressing Identity Theft

Identity theft is one of the fastest growing crimes in America. When a dishonest person has your Social Security number, the thief can use it to get other personal information about you. Most of the time, identity thieves use your number and good credit to apply for more credit in your name. Then they use the credit cards and do not pay the bills. You don't find out that someone is using your credit until you are turned down for credit or you begin to get calls from unknown creditors demanding payment for items you never bought. Here are some tips to prevent identity theft.

Your number is confidential

You should be careful about sharing your social security number with anyone who asks for it (even when you are provided with a benefit or service.)

Don't make it easy for someone to steal your number

Identity thieves get your personal information by:

• Stealing wallets, purses and your mail (bank & credit card statements, pre-approved credit offers, telephone calling cards & tax information)
• Stealing personal information you provide to an unsecured site on the Internet, from business or personnel records at work and personal information in your home
• Sorting through trash for personal data
• Posing as someone who legitimately needs information about you, such as employers or landlords
• Buying personal information from "inside" sources. For example, an identity thief may pay a store employee for information about you that appears on an application for goods, services or credit.

Be careful with your Social Security card and number to prevent theft

Show your card to your employer when you start a job so your records are correct. Then, put it in a safe place. DO NOT carry your card with you.

How can I report that someone is using my Social Security number?

You should file a complaint with the Federal Trade Commission by:

• Internet: www.ftc.gov/bcp/edu/microsites/idtheft
• Telephone: 1-877-IDTHEFT (1-877-438-4338)
• TTY: 1-866-653-4261

If you think someone is using your number for work purposes, you should contact Social Security. One way to find out whether someone is using your number in order to work is to check your Social Security Statement. This statement lists earnings posted to your Social Security record. If you find an error on your Statement, contact Social Security immediately.

What if I think someone is using my number and creating credit problems for me?

If someone used your social security number to get credit, Social Security cannot fix your credit record. To fix your credit record:

• Call the creditors who approved the credit (follow up with a letter.)
• File a police report.
• Contact the fraud department of the major credit bureaus. Ask: 1. To have a flag placed on your record, requiring creditors to contact you before approving additional credit using your name and number. 2. How long your account will be flagged and how you can extend the flag, if necessary. 3. To have a statement added to your credit report--include your name, explain the problem and provide a telephone number where someone can call you.

Obtain a copy of your Credit Report

Request a copy of your credit report from each major credit bureau and check to see if it contains any entries you do not know about. If you are denied credit, you may be entitled to a free copy of your report.

The major credit reporting agencies are:

Equifax

• http://www.equifax.com/
• Report fraud: 1-800-525-6285,
• Order credit report: 1-800-685-1111.
• PO BOX 740241, Atlanta GA 30375-0241

Experian

• http://www.experian.com/
• Report fraud: 1-888-397-3742
• Order credit report: 1-888-EXPERIAN
• PO BOX 1017, Allen TX 75013-0949

TransUnion

• http://www.transunion.com/
• Report fraud: 1-800-680-7289
• Order credit report: 1-800-916-8800
• Fraud Victim Assistance Dept. PO BOX 6790, Fullerton, CA 92834

Getting a New Social Security Number

If you have done all you can to fix the problem and someone is still using your number, Social Security may assign you a new number. They can help you complete an application but cannot guarantee that a new number will solve your problem.

You cannot get a new Social Security number if:

• You filed for bankruptcy
• You intent to avoid the law or your legal responsibility
• Your social security card is lost or stolen, but there is no evidence that someone is using your number.

Contacting Social Security:

The social security website is a valuable resource for information about all Social Security programs. http://www.ssa.gov/

In addition to using the website, you can call toll-free 1-800-772-1213. Hours are 7 a.m. - 7 p.m. Monday through Friday. Information is also provided by automated phone service 24 hours a day.

Source: Social Security website: http://www.ssa.gov/pubs/10064.html/

Emergency & Financial Preparedness: Insurance is Vital

Will your insurance coverage be up to the job if disasters destroy your home? Ask yourself three questions now:

• Do I have enough insurance to rebuild my home?
• Do I have enough insurance to replace all of my possessions?
• Do I have enough insurance to protect my assets in case of a lawsuit?"

Part of being prepared is to be able to answer that question with a resounding "yes!"

Homeowner's Insurance is designed to pay for damage to your home, its contents, protect you from financial liability if someone is injured on your property, and protects your possessions when you are away from home (i.e. stolen luggage, etc.)

Most homeowner's policies cover damage to the structure of your home, as well as personal property caused by many disasters. Fire and smoke damage, lightning, hail, explosion and theft are almost always covered. Although most homeowner insurance policies are standardized, you should examine all policies carefully and ask lots of questions before feeling comfortable with your coverage.

Flood, earthquake and sinkhole damage are almost never covered in a standard policy and need to be insured separately. Home offices, collectibles, jewelry and antiques may also need separate coverage. Homeowner's insurance only covers the structure of your home, not the land.

Two Methods of Determining Loss
Insurance companies employ two methods to determine the value of a loss--actual cash value and replacement cost.

Actual cash value is the cost of replacing damaged or destroyed property with comparable new property minus depreciation.

Replacement coverage is the cost of replacing an item with an item of the same kind and quality, with no consideration for depreciation.

Replacement value is the better of the two types of coverage because it will guarantee replacement. If your property is several years old and you have a cash value policy, your possessions may be worth nothing due to depreciation, and therefore, you are left without. If your policy does not already include replacement coverage, you can add this to your policy for an increase in premium. It may be well worth the additional premium to include this coverage.

If you are not yet a homeowner, make sure to purchase renters' insurance. This type of insurance can also protect you in case of theft, vandalism, natural disaster and liability for injury in your home or apartment. Rental properties often become victim to looting and vandalism after a disaster.

Ask Lots of Questions
An insurance policy is a legal contract that may be loaded with technical terms and hard to understand. Read it before you sign and ask if you have a question. Be very specific in the questions you ask and try to get all answers in writing. For example:

1. Who is covered? If a volunteer is injured while helping to clean up after a hurricane, is he covered? How much of his medical bill would be covered?
2. What is covered? Is my car covered if a tree falls on it when it is parked in the driveway? Is it covered if it is in the garage? Is the cost of tree removal covered if the tree does no damage?
3. Am I covered for direct losses due to fire, lightning, tornadoes, windstorms, ice storms, hail, explosions, smoke, terrorism, vandalism and theft?
4. Are my jewelry and antiques covered?
5. What happens if I decide not to rebuild my home? Can I rebuild a different house plan--larger or smaller than my present home?
6. If a pipe bursts and water flows all over my floors, am I covered? What if the dishwasher leaks and ruins the floor? Am I covered?
7. What if water seeps into my basement from the ground due to flooding or sprinklers? Am I covered?
8. If a storm causes a power outage and all the food in my refrigerator or freezer is spoiled and must be thrown out, can I make a claim?
9. Are children and their possessions covered when they are away at college?
10. Does my homeowner policy cover the loss if something is stolen out of my car?
11. Is my boat covered if it is stolen? Am I covered if there is a boating accident and I am sued?
12. Am I covered if I need to rebuild my home to a new, stricter building code?
13. Exactly what is not covered? Have you ever heard that an "act of God" is not covered? What is an "act of God?"
14. What personal expenses are covered after a disaster? If I can't inhabit my home because of a fire, will the insurance policy pay the hotel bills? For how long? Car rentals? For how long? Meals? For how long? Medications, clothing replacement, school supplies?
15. When can you begin collecting the settlement money after a loss? Do you have to pay first and then submit receipts for reimbursement?
16. Will they charge for inspector to come out and inspect the damage?
17. How do you report a claim? Does your insurance company have a 24-hour hotline? In the case of a disaster, always call immediately after a disaster strikes. In the case of a widespread disaster, claims will be handled in the order they are received. If no one answers, leave a message. Always keep several phone numbers for your insurance company and agent in your 72-hour kit.
18. What is the premium? How often is it due? Is there are a grace period? When will it increase? Will it increase every time I make a claim--to the point that I won't want to make a claim because of penalization?
19. How much is my deductible?
20. Does the policy cover actual cash value or replacement cost?

Obviously, these aren't all the questions you will need to ask, but they should help get you thinking about concerns specific to your situation.

Source: Adapted from "Insurance: Part of Being Prepared" by Carolyn Nicolaysen, Meridian Magazine

Disaster Preparedness: Advice for Evacuees

What if a natural disaster, pandemic, or terrorist attack occurs in your city and you are the one evacuating? Here is some advice that may help you if you find yourself in this situation.

1. Get good footwear now. Many people say they were not prepared to walk out or back over the debris that followed their disaster. There may not be stores left to purchase shoes or the stores will sell out quickly.

2. Money, money, money. After a natural disaster, there will be no way to confirm there is money in your account. If you bank at a local bank, it may not be able to provide services for days, weeks or months as corporations dig out and rebuild. ATM machines will be emptied of cash rapidly and there will be no employees to restock machines. When, or if, you can can find food, clothing or gas for sale, you will have to pay in cash or be out of luck. Keep several hundred dollars in cash for the big event. This should be in small denomination bills and coins. NEVER carry all your cash in one place and NEVER let anyone see you have more than a few dollars. Many people are honest, helpful and trustworthy, but it only takes one dishonest person to hold you up and steal your cash.

3. When you evacuate, bring your own toiletries. You may not think it's necessary when you head to a hotel, but their resources are limited. During an emergency, families may have to share a room with friends or large families or may be limited to one room. You should have a good 72-hour kit so you won't have to think too much about including them as you pack to evacuate. Remember toilet paper, feminine hygiene products and diapers.

4. Medications. If you are taking any prescription medications, they may not be available to you for several days or more. Local pharmacies will not be prepared for new customers in the great numbers that will need to be serviced. A national chain may not have access to computer records to fill orders. If there are no refills left on your prescription and/or if you normally purchase your medications from a small pharmacy, you will need to have your prescription rewritten. Good luck trying to find your doctor! If there is any way to stock up on a month's supply of your prescriptions, do it now and then never leave home without them. If you wear glasses, you may ask your optometrist for a copy of your prescription to include in your 72-hour kit.

5. Purchase a car top carrier. Many people gather family and pets to evacuate and there was no room in the car for everything. Do a trial run and determine how much you could take in your vehicle and how much more space you will need to accommodate everyone and everything.

6. Plan for those who are ill. Never stay at home during an evacuation warning if anyone has medical problems. If you have someone on oxygen, you need a constant supply of electricity. Even a generator will run out of gas and you could be stuck. If you have a family member with a weakened immune system, even the smallest cut that comes in contact with contaminated water could prove life-threatening.

7. Families have been separated. If you are told to evacuate, please do it. No matter how desperate you are, never allow yourself to be separated from family members. Always have an out of state contact--someone every family member knows to call just in case the worst happens. Everyone should have that phone number memorized. It may take a few days before phone services is available, but everyone should check in with that person frequently and as soon as possible. It would be advisable for every teen and adult to have a phone card for just such an emergency.

Source: Adapted from "Preparing to Provide Refuge" by Carolyn Nicolaysen, Meridian Magazine

Disaster Preparedness: Preparing to Provide Refuge

So you think because you don't live in a flood plain, near a river, or in a probable path of a wildfire, tsunami, hurricane, earthquake or tornado, that you are exempt from being prepared? Think again!

Every natural disaster has a crisis zone where victims experience the horror of life threatening danger. All around a crisis zone, others are affected by less dramatic traumas and challenges--power outages, flooding, a breakdown of infrastructure, a run on banks and stores, and a lack of services. Evacuees and refugees fill the roads, the Home Depot, the hotels, supermarkets and line up at ATM Machines.

Those escaping storms and fires evacuate to safe havens. Even if you live in an area far from a disaster zone, that disaster can affect you. Consider a few ways your home might be affected in a disaster. There are things you can do to provide a safe haven for your family and others:

1. Electrical outages occur far from the initial disaster site. After Katrina, evacuees thought they would be safe 50 miles away; the power went out there too.

• Think Water. If there's no power many do not have a way to access water.
• After a hurricane, tropical storm or flood, mosquitoes seem to multiply at 10 times the usual rate. If your power is out and it is summer, you won't want to sleep with the windows closed. Be prepared for good screens for all windows and doors or with mosquito netting or other loose weave fabric that can be taped or stapled around windows and doorways.
• Consider investing in a generator. They come in handy during power outages and brownouts throughout the year.
• Purchase glow sticks. Place them in every room in the home. White glow sticks work the best and provide light bright enough to cook or walk around without danger of tripping in the dark.
• Outdoor solar lighting can be brought indoors to help during an outage. In the morning you can take them outside and recharge them for the next night. They work great and are safe around pets and children.

2. Store foods that are easier to prepare. Foods that can be prepared without a lot of work are worth their weight in gold when you are trying to feed a crowd of evacuees.

• Have an inventory of things that store well. In addition, keep on hand foods that disappear first at the grocery store: Milk, bread, water, ice, fresh fruits & vegetables, hygiene items such as soap and toothpaste, feminine hygiene products, toilet paper, diapers, baby formula, headache and muscle ache medicine, anti-diarrhea medicine, insect repellent.

3. Buy Gasoline. If you live within 100 miles of a disaster, begin preparing as soon as warnings are issued or immediately after an earthquake. Fill your gas tank and keep extra gas for your generator or vehicle. The time to store fuel is ahead of disasters--now.

4. Think prescriptions. As people come to your hometown, they will be in need of prescription medications. If you are down to the last few days and an evacuation is ordered nearby, renew your prescription immediately.

5. Prepare to entertain. As conditions improve around you, children and adults will become impatient with the disaster routine. Almost certainly, you will be without electricity for a few days to a few weeks. Keep some good age-appropriate books, travel editions of favorite games, coloring books and crayons for the kids, balls and other toys for outdoor use. If you are the designated evacuation site for family and friends, you will need to have these items on hand. Everyone should have small games and other small items in a 72-hour kit.

6. Sanitation can be a huge problem. Have extra soap and toothpaste on hand for evacuees. Also consider acquiring a port-a-potty (bucket type) especially if you are dependent on well water. Wet wipes, hand sanitizers and extra water storage provide excellent water supplies for clean-up and essential laundry.

7. Garbage becomes a concern. Have plenty of large plastic trash bags or bio-hazard bags on hand. Because no one will have the energy or desire to clean up after meals, stock a supply of paper plates, cups, bowls and plastic utensils. Have a strategy for managing the waste they create.

Source: Adapted from "Preparing to Provide Refuge" by Carolyn Nicolaysen, Meridian Magazine

Cooking with Basic Food Storage: Lori Dunford's Whole Wheat Recipes

Lori Dunford is famous in our ward for her delicious and nutritious whole wheat recipes. I've included some she demonstrated for our Relief Society. I have sampled them and they are wonderful!

14 GRAIN BREAD
6 C Warm Water
2 T Salt
2/3 C Oil
2/3 C Honey
3 T Dough Enhancer
3 C High Gluten Bread Flour
3 T SAF Yeast or Other instant yeast
6-8 C Freshly Ground Flour (10-11 C Unground Grain)
1 pkg of 9 grain cracked wheat cereal
1 C Sunflower Seeds
1/3 C Millet
1/3 C Flax Seed
1/3 C Sesame Seed
1/3 C Amaranth

Put all ingredients together and add additional flour 1 C at a time until dough starts to pull away from sides, continue kneading for an additional 10 minutes. (Lori's Note: I used the same recipe, only proofed the yeast by putting in 2/3 C of tepid water with 1 T of sugar, set aside and let get bubbly. I also added 6 T of lecithin. I omitted the dough enhancer and high gluten bread flour and used 100% whole wheat flour)

WHOLE WHEAT DINNER ROLLS
3 C Milk
1 C Butter
1 C Sugar or Honey
3 T Salt
4 T Instant Yeast
5 eggs
5-6 C Whole Wheat Flour
5-6 C White Flour

Melt Butter and add milk. Add 4 C of flour. Add beaten eggs, sugar, salt and add additional flour until dough barely starts to pull away from sides. Take out. Let rise 10 minutes, shape and let rise until double in bulk. Bake in 350 degree oven until done 12-15 minutes. (Lori's Note: I made 100% whole wheat dinner rolls by proofing the yeast in 1/2 c tepid water, 2 t. of sugar and the Yeast. If you desire to freeze, let rise 10 minutes, shape and place on well-greased cookie sheet. Cover. Take out 3 hours before you desire to serve them and let rise on greased cookie sheet until you bake them.)

LORI'S 100% WHOLE WHEAT BREAD
In a 1 Quart Glass Measuring Cup, place 1 C Tepid water with 1 T of sugar and 4 T of yeast. Stir and set aside.

In Bosch or other mixer, Add:
8 C Tepid Water
1 C Honey
4 T Salt
1/4 C Molasses
1/2 C Lecithin

Add 10 C Whole Wheat Flour, mix until smooth. Add 1 C Oil, 1 more cup of flour and continue mixing until smooth. Add yeast, then gradually add additional flour until dough starts to pull away form sides. Continue to knead for 10 minutes. Take out of bowl and place in greased bowl and let rise 10 minutes. Form loaves by dividing dough into equal parts and put in greased bread pans. Poke with fork. Let rise until 2 fingers above the pan. Place in preheated oven at 350 degrees. Leave oven door open for first three minutes and then close for remaining 27 minutes. Bake, take out of pan and put on cooling racks or paper towels. After cooled, you can slice bread and put into bags. Freezes very well.