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CATEGORIES: HOLIDAYS-WINTER • SAFETY/SECURITY CATEGORIES: HOLIDAYS-WINTER • GIFTS/COLLECTIBLES • CHILDREN/TEENS New Year’s Eve safety tips Films contribute to cherished New Year’s Eve is one of the most festive nights of the year. Many people spend the final moments of the year cel- holiday traditions and inspire great gifts ebrating with family and friends. As joy- Tradition plays a pivotal role during First Gift of “National Lampoon’s ous as such celebrations tend to be, it’s the holiday season. While each family Christmas Sleigh Christmas Vacation” (1989) important that New Year’s revelers keep has its own unique holiday traditions, Bell Gift Set A holiday favorite among a slightly certain safety precautions in mind when certain traditions are embraced and older crowd, “National Lampoon’s celebrating the end of one year and the shared by families far and wide. Christmas Vacation” continues the tale dawn of the next. The tradition of watching holiday of lovable family man Clark Griswold • Arrange for transportation in ad- films together as a family is one custom (Chevy Chase). Clark is determined to vance. According to the National High- that has endured for generations. Grand- provide a traditional family Christmas way Traffic Safety Administration, an av- parents may have their favorite films, for his wife, children and their large erage of 304 people die in drunk-driving while moms and dads no doubt have extended family, only to have his crashes in the days surrounding Christ- their own must-see holiday movies as dream holiday derailed by a stingy mas and New Year’s Eve each year. Be- their alcohol consumption. Overcon- well. And no holiday film session is boss. When shopping for gifts for fans fore heading out on New Year’s Eve, cel- sumption of alcohol makes it difficult complete without including at least one of this holiday classic, shoppers can ebrants should ensure their safety by for men and women to stay alert, and movie that celebrates the magical im- scour an array of homemade items on arranging for transportation to and from that loss of alertness can be difficult to pact that this time of year can have on Etsy.com, from coffee mugs to T-shirts the festivities. Choose a designated driver manage on nights as hectic as New youngsters. This year, holiday shoppers to home furnishings and more, cele- to drive throughout the night, or agree to Year’s Eve. While it’s acceptable for can even draw some gift-giving inspira- brating Clark Griswold and all the utilize a taxi or shuttle service if everyone men and women of legal drinking age to tion from some classic holiday films white-striped gift box, forest green rib- mayhem his family hilariously endures plans to consume alcohol. Men and raise a glass of champagne at midnight, that appeal to family members of all bon, and large bow. A leather strap con- en route to enjoying a merry Christmas women who volunteer to be designated it’s best to limit alcohol consumption ages. nected to each bell allows kids to hang together. drivers should be especially alert on the throughout the festivities so the party is the bell to include as part of their home roadways, preparing to drive in poten- memorable for all the right reasons. “The Polar Express” (2004) holiday decor, or kids can carry the bell “It’s a Wonderful Life” (1946) tially inclement weather and being on the • Be a responsible host. When host- Children love this tale of a young boy with them during the holiday season and Grandparents are no doubt very fa- lookout for fellow motorists who might ing a New Year’s Eve party, hosts must who lives out many kids’ holiday fan- show it off to friends and family alike. miliar with this beloved holiday classic, be driving erratically. If possible, take prioritize the safety of their guests. Make tasies by embarking on a magical, unpre- Each bell comes in a velvet gift bag, which tells the tale of frustrated busi- public transportation to and from the fes- sure guests don’t drink too much, which dictable journey to the North Pole. Along making the set an ideal memento for nessman George Bailey (Jimmy Stew- tivities so no one is tempted to drive after can leave hosts open to criminal or civil the way, the boy becomes a true believer shoppers who want to give kids some- art). Contemplating suicide on Christ- consuming alcohol. action should guests leave their home and in the spirit of Christmas when he picks thing they can unwrap and enjoy each mas Eve, George is saved when his • Pick a meetup spot in case anyone cause an accident. Serve plenty of food up a loose sleigh bell that falls off of Christmas for years to come. In addi- guardian angel, Clarence (Henry Tra- gets separated from the group. New and nonalcoholic beverages so guests Santa’s sleigh. Santa ultimately entrusts tion, each bell comes with a Certificate vers), intervenes and shows him what Year’s Eve celebrations in public places who are drinking have something in their the bell to the boy, referring to the bell as of Authenticity that is signed by Santa life would have been like for George’s such as bars, clubs or town squares tend systems other than alcohol. Schedule “the first gift of Christmas.” and lists the name of the elf who in- loved ones had he never been born. Hol- to become crowded as midnight draws things to do throughout the night so Parents who want to make the tradi- spected the bell, the reindeer name and iday shoppers looking for something near. It’s easy for groups of friends or guests have more to do than drink alco- tion of watching holiday films together the location of the bell on the reindeer’s special for a parent or grandparent who family to be separated, so choose a hol. In addition, make room for potential with their children even more special for harness. loves the story of George Bailey can pe- meetup spot where everyone can gather overnight guests should someone be in- kids can give the First Gift of Christmas Shoppers looking for stocking ruse Etsy.com to find a host of items and after the ball drops. Choose a spot that’s capable of driving home at the end of the Sleigh Bell Gift Set stuffers for young fans of the film can replicas that recall some of the film’s well lit and easily accessible to all, and night. Keep contact information for local (https://www.etsy.com/shop/LilyDeal), opt for the Polar Express Round Trip most memorable scenes. confirm the location of the meetup spot taxis or shuttle services readily available providing their youngsters with the Train Ticket. At 8” by 3”, the ticket fits This year, shoppers can make the tra- via a group text message before heading so guests know they don’t have to drive same sense of magic and wonderment easily into standard Christmas stockings dition of watching holiday films together out for the night. themselves home. the boy feels when Santa gives him the and can be customized to say “BE- as a family even more special by incorpo- • Stay sober. Many people feel pres- New Year’s Eve is a festive night, but sleigh bell in the film. The set includes LIEVE” or any word up to eight letters. rating some beloved holiday movies into sured to overindulge with alcohol on one where safety needs to be as big a a large sleigh bell, a red- and snow their gift-giving. TF16C689 New Year’s Eve, but men and women priority as having a good time. should be responsible with regard to TF16C649 CATEGORIES: EDUCATION/SCHOOL • BUSINESS/CAREER • MEN • WOMEN CATEGORIES: REAL ESTATE • CONSUMER TIPS Tips for professionals returning to school Did you know? When a new school semester starts, that scholarships and other forms of fi- Real estate agents help buyers and sellers through the often complicated children and young adults may not be the nancial aid are not exclusive to younger process of navigating the real estate market. Individuals not only want to only ones who are returning to the class- learners. Speak with a financial aid room. Many adults resolve to expand their counselor about programs that might be find an agent with expertise, but also one with whom they have a strong professional horizons by returning to available to you. In addition, check with rapport. By asking agents certain questions up front, prospective home school even after they have established your employer to see if they offer incen- buyers and sellers can find the right real estate agent for their needs and themselves in their professions. Some tives for returning to school. may aspire to develop skills specific to a • Brush up on school skills. Start save time and money in the process. The following tips can help buyers particular job, while others may want to reading more to refresh your vocabulary and sellers find the right agent. make it easier to transition to a new career. and other language skills. College in- • Find out how long the agent has been in the business, including how The number of adult undergraduates volves critical thinking and reasoning, so many homes he or she turns over on average. Think about using an agent continues to grow. The National Center explore free online courses or games that for Education Statistics says 33 percent cover critical thinking skills. Refresh who is a full-time real estate professional, rather than one who only dab- of the 18 million undergraduate students your memory on basic writing rules if bles part-time. in the United States are over the age of essays and reports will be part of your • Consider which geographic areas the agent handles. It’s best to find an 25. Students over the age of 30 make up curriculum. Honing your academic skills 22 percent of the student body in col- in advance of returning to school can agent who is familiar with a particular town, city or even subdivision. leges and universities. The NCES also help you start off on the right foot. • Assess the agent’s personality and ability to remain calm under pressure. projects a continued rise of older stu- • Create a support system. Going He or she can then extend that placid demeanor on to buyers or sellers who dents through 2020. back to school will require you to re- Going back to school can be an exciting arrange schedules and make certain sacri- may be feeling stressed by the prospect of home ownership. TF16C629 Adult learners now comprise a sig- time, but one that also comes with a bit of nificant portion of college and uni- fices. Such adjustments may require the trepidation. Many adults may not have been versity student bodies. assistance of friends and family. Stop by in a classroom in more than a decade. your school’s student services department Many things have changed with regard to the admissions faculty or even a current and ask if they have help in place for non- academia in recent decades, and adults may student may be able to offer a guided tour, traditional students. They may have guid- You Tell Us need some extra time and help to make explaining the layout of the campus, ance on balancing work, life and school. If there’s any topic we haven’t covered or something their transition back to student go smoothly. amenities and resources. He or she also Such departments may also assist you • Schedule a campus visit. Choosing a may point out parking areas, study loca- with scheduling classes at the times of day you’d like to see more of, send us an e-mail. school is an important decision, and even tions and the best way to navigate the that fit best with your work schedule. We’ll do our best to accommodate your needs. though you might not be spending as campus. This will help alleviate a fish-out- Many adults return to school for per- much time on campus as you did when of-water feeling the first day of class. sonal reasons or to advance their ca- [email protected] you were younger, don’t overlook the im- • Secure financial aid if necessary. reers. Having a plan in place can make portance of a campus visit. A member of School is expensive, but keep in mind the transition go smoothly. TF16C640

Metro Editorial Services ©2016 Metro Creative Graphic, Inc. All Rights Reserved 3 DECEMBER 2016 CATEGORIES: FOOD/BEVERAGE • HOLIDAYS-WINTER CATEGORIES: AUTOMOTIVE • HOW-TO • SAFETY/SECURITY Key to frying foods at home 3 ways to improve headlights for safer nighttime driving Chanukah celebrations are steeped in Many motorists find it more difficult traditions that are based around a mira- to drive at night than during the day- cle that occurred in 139 BCE. During time. Drivers may fear nighttime driving the rededication of the Temple that was because they feel their comfort levels desecrated by Syrian forces under the behind the wheel are compromised reign of Antiochus IV, oil that should when the sun goes down. Statistics show have only lit the Temple menorah for those fears are not unfounded, as a 2016 one night lasted a full eight nights. This analysis of data from the U.S. Depart- was deemed a miracle, and, therefore, ment of Transportation’s Fatality Analy- oil is an important component of sis Reporting System found that 43 per- Chanukah festivities. cent of motor vehicle crash deaths in the Foods fried in oil are part of many cel- United States in 2014 occurred between ebrants’ Chanukah traditions. Desserts the hours of 6 p.m. and 3 a.m. such as sufganiyot, or jelly doughnuts, But drivers should not simply blame and fried potato dishes called latkes can their nerves for the discomfort they feel be found on Chanukah tables. when driving at night. A recent study Although fried foods are usually en- from the AAA automotive club found Vehicle with standard headlight bulbs (left) and vehicle with Philips X- joyed in moderation, such foods may that the halogen headlights in more than tremeVison Headlight Bulbs (right), which can put up to 100 percent be the centerpiece of Chanukah cele- 80 percent of the vehicles on the road more light on the road. brations. Cooks can be intimidated by spoon or frying basket, and a digital ther- today fail to safely illuminate unlit road- frying when faced with large quantities mometer to confirm the oil’s temperature. ways, even when vehicles are moving at technology that can deliver up to 100 3. Maintain clean headlights. of steaming hot oil. According to Epi- Remember, hot oil can quickly go from a speeds as low as 40 miles per hour. percent more light on the road than stan- Drivers wouldn’t spend hours on the curious, when cooked properly, fried smoke point to a flash point, which will ig- To maintain their vehicles, many drivers dard halogen bulbs. Compatible with road driving with dirty windshields, but foods will come out crunchy, with the nite the oil. Adjust to keep everything safe. take their cars and trucks in for routine oil various makes and models, each bulb many are unknowingly driving with interior nearly free of grease. The fol- • Keep surfaces and foods dry. Oil changes and tire rotations. But headlight produces a longer beam pattern than clouded headlamps that could be compro- lowing tips can help celebrants make and water do not mix. Water will splatter maintenance can go a long a way toward standard halogen headlights, vastly im- mising their nighttime visibility and re- Chanukah meals even more tasty while in hot oil, which can cause burns and in- making drivers feel safer at night, when proving nighttime visibility on even the ducing light output by as much as 40 per- improving cooks’ frying skills for juries. Try to limit splattering by drying visual acuity of the human eye is reduced darkest roadways. cent. The Philips Headlight Restoration other times of the year. foods and shaking off excess batter. by up to 70 percent. The following are Kit is designed to restore headlamp lens • Choose the right oil. Frying requires • Dredge foods in flour first. Flour three ways drivers can improve the per- 2. Turn headlights on earlier. clarity to “like new” condition. Utilizing oil to be heated to very high temperatures will help the batter stick to foods and pre- formance of their headlights. Another way to improve headlight per- a protective UV coating that produces so it cooks the food quickly and does not vent it from sliding right off in the oil. formance is to start utilizing them earlier. longer lens clarity and prevents clouding make it soggy. Oils that can withstand that • Dress the part. Even with practice 1. Upgrade headlight bulbs. Once manufacturer-supplied bulbs have for up to two years, the kit can effectively kind of heat are those that are deemed to and caution, some oil can splatter. Wear A recent report from the Insurance In- been replaced, drivers can make a con- improve lenses that turn hazy and yellow have a high smoke point. This is the tem- old clothes and an apron so that you do stitute for Highway Safety was critical scious effort to turn their lights on before after years of exposure to sunlight, ozone, perature at which the oil will begin to not ruin expensive items. Oil stains are of headlight design, painting a bleak the sky goes completely dark. Many driv- pollution and other environmental factors. smoke and start to give off fumes. Oils that not easily removed from clothes. picture for headlight performance in 30 ers feel their vision is most compromised Many drivers are naturally more nerv- can withstand 375 F and above will not • Don’t overcrowd foods. It can be of the 31 vehicles tested for the report. during twilight hours, when a setting sun ous at night than during the daytime. break down quickly and smoke. These in- tempting to put several pieces of food in Many vehicles on the road today are and shifting shadows combine to greatly But upgrading headlights and taking clude canola, sunflower, peanut, and saf- the fryer at one time. But this can lower equipped with standard halogen head- compromise driver visibility. By turning steps to maintain headlight performance flower oils. Avoid olive oils, which have a the oil’s temperature, resulting in soggy lights that begin to break down in two to headlights on during twilight hours, driv- can calm those nerves and low smoke point and are less than ideal for food. For even, hot cooking, avoid over- three years, potentially reducing light ers can counter the effects of Mother Na- make for safer nighttime driving. More frying. You will probably need between filling the fryer. output by as much as 30 percent. Philips ture during those hours when they feel information is available at six and eight cups of oil to fry. • Blot off excess oil. Allow fried X-tremeVision Bulbs employ advanced most vulnerable. www.philips.com/automotive. TF16C655 • Use the right equipment. The right foods to drain on paper towels to absorb equipment will make frying go smoothly. any extra oil from cooking. A deep fryer can be a handy tool for those • Try to eat foods promptly. Fried foods CATEGORIES: HOME-MISC • HOME-INTERIOR • CONSUMER TIPS who fry often. A deep, heavy-bottomed are best enjoyed shortly after cooking for the pot, such as a cast iron Dutch oven, can ultimate in crispiness and flavor. work as well. When cooking, keep the oil Fried foods can be a treat during Color a new home décor with a fresh coat of paint consistently hot and use a vessel that’s holidays like Chanukah. When deep enough for foods to submerge and cooked properly, fried foods can be Today’s paint products offer home- ture, doors and crafts. For best results, cook evenly. Other tools include a slotted delicious. TF16C659 owners the flexibility to easily change apply when temperature is between the look and “feel” of a room — or a 60°F and 80°F. This paint dries to the houseful of rooms, including walls, cab- touch in about 15 minutes, but wait two CATEGORIES: HOLIDAYS-WINTER • DID YOU KNOW inets, furniture, accessories and trim to four hours to recoat. items — by changing the color of a painted surface or adding paint to Handy helpers for painting Gifting extended for one more day achieve a decorative effect. • Wagner Home Décor Paint Sprayer. Woodcraft has all the paints and re- This is a great first-step product for Celebrated each year on December 26 lated accessories and supplies to “re- those new to HVLP spraying. It is easy in Great Britain and the Commonwealth color” your home. Woodcraft intro- to use and sprays milk paint, stains, nations, Boxing Day may sound like a duced Black Dog Salvage Furniture sealers and lacquers. Check your paint day to clear a home of the boxes that ac- Paint to its line of fine finishes in spring manufacturer’s directions for use in cumulate during Christmas gifting cel- of 2016, giving customers a product de- sprayers. ebrations. Some people may think it’s a veloped specifically for use with furni- • The versatile Vika TwofoldTM is con- time to head to the gym and work off ture that is custom-built in the Black figured for use as a 21.7"-high scaffold some of those extra holiday pounds by Dog Salvage shop, as well as acces- or a workbench that is 47.6" long X landing a few hits on the punching bag. sories that might once have been part of Black Dog Salvage Patinio Greenio 18.7" deep X 31.8" high with a tool tray, Despite its name, Boxing Day has an historic structure. Using Black Dog, Furniture Paint gives new charac- drilling hole, protractor and ruler in- nothing to do with heavyweight fighters a pure black, and Clean Canvas, a pure ter to this hall tree bench. scribed into the MDF work surface. or post-holiday cleanup. In fact, the hol- white, homeowners can create an unlim- • QuikBENCH™ Portable Workbench iday’s origins can be traced to Great ited number of shades that can be mixed create custom paints and decorative ef- is a lightweight, easy-to-set-up portable Britain and the practice of bestowing using 13 additional colors with whimsi- fects such as distressing, antiquing and workbench with a 30" x 24" work surface gifts on the lower classes, primarily cal names like Caution: Dogs at Work color washing. that is 32" high and capable of holding house servants and the working class. (orange). The water-based ultra matte Rust-Oleum® Chalked Paint is a up to 300 lbs. Convert two Quik- Centuries ago, among family members chalky finish interior paint is easy to water-based, ultra-matte finish for inte- BENCHES™ to sawhorses, and together and friends of equal station, Christmas use, self-leveling and low-VOC, and it rior applications that can be used alone they can hold up to 2,000 lbs. gifts were exchanged on or before Christ- covers in one coat. It can be used on fin- as a simple covering paint or to achieve • Painter’s Pyramids, New and Im- mas Day. Presents for the working class Boxing Day isn’t about donning ished and unfinished surfaces like furni- decorative effects such as distressing or proved 10-pack allows homeowners to were bestowed the day after. A gift from gloves and sparring. Instead, it’s a ture, woodwork, metal, glass and more dry brushing to give any project a one- paint, flip and paint without having to one’s employer was called a “Christmas holiday geared around gift-giving and does not require priming. The com- of-a-kind look with a vintage feel. It ap- wait for the first side to dry. Pyramids box.” The Oxford University Press defines and shopping. panion Black Dog Salvage Guard Dog plies easily with brush or roller; spray- now include tabs and slots on the bases a Christmas box as a present or gratuity Topcoat Paint Protector is tough enough ing is not recommended. so they can be screwed down to make given at Christmas. In Great Britain, it was In the world of sports, Boxing Day is for floors and can be used for all types If using an interior paint for exte- permanent finishing platforms or joined usually confined to gratuities given to an opportunity for fans to see their fa- of indoor projects, such as cabinets, rior projects such as doors, shutters, together to create more stable temporary those who were employees or paid by the vorite teams play. In the United King- countertops, furniture, and decorative or porches, an exterior topcoat will applications. grantor of the gift or a customer. dom, football and rugby leagues host a items. need to be added for protection from • Redtree Finishing Brushes feature Although the holiday was once based full schedule of matches on Boxing Day. the elements. beaver tail-style hardwood handles and around gifting, today it is primarily In Australia, cricket matches are held. Additional paint options General Finishes Exterior 450 is hand-trimmed chisel edge bristles. known as a shopping holiday, much like Boxing Day also marks the start of the General Finishes Milk Paint is a high- fortified with UV absorbers to mini- • Unlike Microfiber Tack Clothes, Black Friday in the United States. Banks Sydney to Hobart Yacht Race. Boxing tech, water-based acrylic paint for inte- mize fading and built-in mildewcides regular tack clothes do not work for fin- and non-retail businesses are closed on Day also may be an opportunity for wild rior and exterior use that is available in to help retard the growth of mold and ishing with water-based products. But a Boxing Day, but shoppers flock to stores game hunts across the UK. more than two dozen colors, ranging fungus. Plus, Exterior 450 is fast, as 12-pack of washable and reusable Mi- to use gift cards or other funds to pur- Boxing Day is a day for residents of from Dark Chocolate to Tuscan Red. It it’s ready to sand in just one hour in crofiber Tack Cloths will work. chase or return gifts. Sales are prevalent, Australia, Britain, New Zealand, and is easy to apply, durable and simple to ideal conditions. To learn more about these and other and the day presents yet another oppor- Canada to celebrate and take advantage of repair and can be mixed to create new CrystaLac Exterior Finish is a water- products, visit your local Woodcraft tunity for retailers to maximize year-end great deals offered by retailers. colors or combined with General Fin- based, flexible, UV-stabilized, water- store, call (800) 535-4482 or visit profits. TF16C653 ishes water-based glazes and stains to proof, clear topcoat for exterior furni- www.woodcraft.com. TF16C656

Metro Editorial Services ©2016 Metro Creative Graphic, Inc. All Rights Reserved 4 ALL PHOTOS are for EDITORIAL USE ONLY DECEMBER 2016 CATEGORIES: HOLIDAYS-WINTER • HOME-MISC CATEGORIES: GIFTS/COLLECTIBLES • DINING/ENTERTAINMENT • FOOD/BEVERAGE Gifts that add colorful zest to cooking, baking and entertaining

Functional and practical, culinary gifts are always wel- Rachael Ray Porcelain II Nonstick Rachael Ray Cucina Stoneware comed by cooks, bakers and frequent entertainers. Fortu- Cookware in Marine Blue Ramekins 4-Piece Set nately, for friends and family members who also covet great design and fashion trends, there’s a plethora of quality kitchen products available today with beautiful styling that’s too fun and vibrant to hide away in cabinets. Here’s a short list of col- orful gift options to consider this season. Circulon Symmetry Chocolate Bakeware 5-Piece Set — Add a sophisticated pop of color when baking savory and sweet treats with durable steel bakeware enrobed in a deca- dently rich dark chocolate hue inside and out. The set includes a versatile cookie pan (can double as a sheet pan), two round Bonjour Ami Matin cake pans, a loaf pan, and rectangular cake pan. 8-Cup French Press The kinara is an important symbol and component of Kwanzaa celebrations. Anolon Vesta Cast Iron 12-inch Skillet — Crafted in new It displays seven candles in the African colors of green, black and red. Cobalt Blue and holiday-ready Paprika Red, this hard-work- Anolon Vesta ing skillet with double pouring spouts and a long handle for Cast Iron 12-Inch added stability when lifting features a matte black enamel in- Skillet terior that doesn’t need seasoning and a gleaming porcelain Kwanzaa decorating tips enamel exterior that adds a punch of color and is easy to clean. BonJour Ami Matin 8-Cup French Press — Sure to Kwanzaa is celebrated by millions of Celebrants also will want to decorate brighten up every coffee-lover’s morning, this classic, bistro- people every year. Individuals of all with the seven symbols of the holiday, style coffee brewer is now offered in mood-boosting Lavender Paula Deen 3-Piece Striped ages take part in the festivities, which or Nguzo Saba: Umoja (unity), Kujich- and Aqua Blue. Constructed from unbreakable BPA-free Tri- Mixing Bowl Set were established in 1966 by Dr. agulia (self-determination), Ujima (col- tan™ plastic, this durable French Press boasts a patented shut- Maulana Karenga, professor and chair- lective work and responsibility), Ujamaa off control built into its plunger to lock in flavor and prevent man of Black Studies at California State (cooperative economics), Nia (purpose), over-brewing. University, Long Beach. Dr. Karenga, Kuumba (creativity), and Imani (faith). Farberware Purecook Ceramic Nonstick Cookware 12- prompted by the Watts riots in Los An- Posters, crafts or photographs can be Piece Set — Go stylish with Lavender and Aqua or classic geles, sought ways to bring African used to symbolize these seven princi- with Gray and Blue with this well-designed, dishwasher safe Americans together as a community, ples. collection offered in four attractive shades. The high-heat safe and Kwanzaa was born. Another component of Kwanzaa is a ceramic nonstick surface is white and contrasts beautifully Kwanzaa can be a fun opportunity to seven-branched candleholder known as with the glossy porcelain exterior. gather with friends and family in the the “kinara.” The kinara represents Rachael Ray Porcelain II Nonstick Cookware in Marine Farberware Purecook heart of the holiday season. African ancestors and should be dis- Blue — Reflecting the positive energy and refreshed feeling Kwanzaa, which celebrates the sym- played on a table or in another promi- Circulon Symmetry Chocolate Ceramic Nonstick that’s often experienced during seaside vacations, Marine Cookware 12-Piece Set bolism and traditions of African Ameri- nent area of the home. Light seven can- Blue is the newest hue in this colorful collection, which also Bakeware 5-Piece Set can culture, begins on December 26 and dles to represent the seven principles. offers six other choices crafted in a gradient style: Rachael’s Circulon Ultimum Cookware 11-Piece Set — This lasts through January 1. Articles of African culture, such as signature Orange, Red, Blue, Green, Purple, and Dark Green. new collection of dishwasher-safe and induction-ready There are many components of masks or artwork, can complete Kwan- Rachael Ray Cucina Stoneware Ramekins 4-Piece Set gourmet cookware features sophisticated brushed metal Kwanzaa celebrations, and decorating zaa decor. Cultural artifacts can be tied — For a softer color palette, this set of organically shaped, lids and handles, and a jet black exterior for timeless de- for the holiday remains an important into the creative aspect of the holiday. oven-to-table ramekins are glazed in four Tuscan-style hues: sign appeal. The exceptionally durable non-stick cooking way to demonstrate spirit. Celebrants Celebrants might want to craft their own Cranberry Red, Agave Blue, Mushroom Brown, and Laven- surface covers durable forged aluminum for a pro-style can start by decorating with the tradi- masks or African-inspired artwork to use der. Offering endless possibilities for cooking, baking and look and performance. The comprehensive set includes tional colors of red, green and black. throughout the holiday. serving, the oven-safe ramekins are also microwave-, dish- all the basic pots and pans needed to whip up countless These can be displayed in fabrics used Families come together during Kwan- washer- and freezer-safe. dishes on the range or in the oven. in the home, clothing, linens, and other zaa to celebrate African American culture Paula Deen 3-Piece Striped Mixing Bowl Set — This For more information on colorful holiday gifts, please visit decor. The Bendera Ya Taifa, or the tra- and unity. Decorating for the holiday is a charming, red-striped set of small, large and medium mixing www.anolon.com, www.circulon.com, www.farber warecook- ditional Kwanzaa flag, can be hung and great way for African Americans to exhibit bowls, made of lightweight and durable melamine, instantly ware.com, www.bonjourproducts.com, and www.Potsand- serve as the holiday’s centerpiece. pride in their heritage. TF16C651 brightens up spirits when prepping breakfast, lunch or dinner. Pans.com. Each bowl features a sturdy lip to ensure a secure grip and a TF16C701 rubberized base ring for stability. CATEGORIES: HOLIDAYS-WINTER • FOOD/BEVERAGE Healthy holiday dessert option CATEGORIES: CONSUMER TIPS • SAFETY/SECURITY • GIFTS/COLLECTIBLES A certain measure of overindul- Learn about product recalls for safe holiday giving gence is anticipated during the holi- day season. Rich foods and desserts Shopping for the perfect gift and then giving holiday gifts. Searching for prod- are served, and parties are plentiful. hiding it under the tree adds to the ex- uct recalls is one way to safeguard loved However, those who plan to stick to citement of the holiday season. Know- ones this holiday season. Reading prod- their healthy eating plans can still ing the recipient will display a big smile uct reviews from previous customers is enjoy tastes of the season without when tearing away the wrapping paper another effective safety measure. compromising their fitness or dietary makes gift givers feel good. A recall is an action taken by a manu- goals. Each year, certain gifts emerge as facturer or the government. Some recalls Many recipes can be made healthier trendy crowd favorites. However, no will ban the sale of an item, while others with some simple substitutions, and matter how coveted a gift may be, it require the consumer to return the item that even includes decadent desserts. pays to investigate its reputation for for repair or replacement. The U.S. gov- Take, for example, “Wickedly Deca- the vanilla. safety and to find out if any product re- ernment recommends visiting these web- dent Deep Chocolate Truffles” from 3. When the chocolate is melted and calls have been instituted. sites to find the latest safety recalls and “Low Fat for Life,” (DK) by Sue Kri- smooth, remove from the heat and The hoverboard craze of the 2015 information on items that may turn up on etzman. This low-fat version of a allow to cool slightly. Slowly whisk holiday season provided a recent exam- holiday wish lists. high-fat classic will taste delicious the chocolate into the fromage frais ple of the need to investigate an item’s • Recalls.com posts government-initi- without being too sinful. mixture, using a rubber spatula to in- reputation for safety. Thousands upon ated recalls from federal agencies. corporate every bit of chocolate. thousands of these devices flew off of • Safercar.gov offers safety informa- Wickedly Decadent Cover with plastic wrap and chill for the shelves. Children across the country tion on vehicles and car equipment, such Deep Chocolate Truffles an hour. took their hoverboards for test runs early as children’s safety seats. Makes 24 4. Line a baking sheet with waxed Christmas morning. Yet many hover- • SaferProducts.gov enables con- paper. Scatter the grated chocolate boards soon ignited while charging or in sumers to report incidents and safety 6 ounces semisweet chocolate on a plate. Scoop out the chilled operation. Some even ignited while sit- concerns with regard to consumer 6 ounces very low-fat fromage chocolate mixture in teaspoonfuls, ting idle. As of July 2016, the U.S. Con- products. frais roll into balls, then roll the balls in sumer Product Safety Commission indi- • Cpsc.gov/Recalls/ includes recalls 2 tablespoons confectioners’ the grated chocolate and put on the cated at least 60 reports of hoverboard early October. Samsung ultimately told published by the U.S. Consumer Product sugar prepared baking sheet. Cover with fires totaling more than $2 million in Note 7 owners to stop using the phones Safety Commission. 1 ⁄2 teaspoon vanilla extract plastic wrap and refrigerate until property damage. and return them before permanently dis- • HealthyCanadians.gc.ca/recall-alert- 1 ⁄2 ounces semisweet chocolate, firm. Similar problems arose with certain continuing the product. Shortly there- rappel-avis/index-eng.php publishes re- grated 5. Put the truffles in small paper Samsung Galaxy Note 7 phones in late after, the U.S. CPSC officially issued a cent recalls and alerts for Canada. cases. Store in an airtight container in 2016. The phone was recalled officially second recall. The holidays should be a safe and 1. Break the chocolate into a bowl the refrigerator until ready to use. in the United States through Samsung, Those are just two instances of how happy time. To ensure the season stays over a pan of simmering water. Let it Per truffle: Total fat: 2 g; saturated and the company launched exchange products that might have made great hol- safe and happy, consumers should famil- melt, stirring occasionally. fat: 1 g; unsaturated fat: 1 g; choles- programs in other countries. Even re- iday gifts posed safety issues. Consumers iarize themselves with any product re- 2. In a separate bowl, whisk together terol: 1 mg; sodium: 3 mg; calories: 52. placement models continued to have should learn how they can protect them- calls or published safety hazards prior to the fromage frais and sugar. Whisk in TF16C664 problems, as some caught on fire in selves and others from injury, even when shopping for gifts. TF16C663

Metro Editorial Services ©2016 Metro Creative Graphic, Inc. All Rights Reserved 5 ALL PHOTOS are for EDITORIAL USE ONLY DECEMBER 2016 CATEGORIES: FOOD/BEVERAGE • HOLIDAYS-WINTER CATEGORIES: LAWN/GARDEN • HOME-INTERIOR • REAL ESTATE What are the differences Landscaping needs vary by season Judging a home by its appearance is often par for the home- buying course. In fact, according to the National Association between sparkling wines? of Realtors®, 49 percent of buying decisions are made from As midnight approaches on New Year’s grapes and how the grapes can be har- the street. Eve, revelers anxiously anticipate toasting vested and processed. Champagne is pro- An appealing home exterior suggests the homeowner takes the arrival of a new year with a glass of duced by méthode champenoise, a process pride in his or her home and wants to make every effort to something bubbly. Once the cork is that is said to have been invented by a maintain that home. Curb appeal involves various components popped and the drinks are poured, the monk named Dom Perignon. This proce- a home’s exterior, but beautiful landscaping can make a home party can truly begin. Although revelers dure involves double fermentation in bot- stand out. While maintaining a lawn is something many home- may assume any fizzy beverage they are tles and creates an earthy, yeasty flavor. owners may think is exclusive to spring and summer, lawn served is champagne, by the true def- maintenance is really a year-round endeavor. The following inition of the word, they actually Sparkling wines steps can help anyone maintain curb appeal no matter the sea- may be drinking something Champagne is sparkling son. else — one of many varieties wine, but not all sparkling of sparkling wine. wines are champagne. Other Spring notable types of sparkling Spring is a season of renewal when plants and trees will True champagne wine include Italian Pros- begin to look fresh and green once more. Spring mainte- Autumn Authentic champagne is ecco and Spanish Cava. nance includes applying fertilizer to lawns, replenishing Autumn is often a forgotten season when it comes to main- named after Champagne, Sparking wine is produced mulch in planting beds, creating more pronounced edges taining a landscape. However, fall is a key time to keep land- France, the region where in regions of France as well around the lawn and garden beds, and testing soil. Some scapes in order. According to the landscaping resource LoveY- the grapes used to make it as in the United States and homeowners like to apply a weed-prevention product in ourLandscape.com, fall is the ideal time to tend to a lawn that are grown, fermented and Canada. But sparkling the spring as well. Spring is a good time to plant annuals just endured summer heat. Seeding and fertilizing can ensure a bottled. According to Euro- wine can be made just about that will add a pop of color to the landscape. For those stronger lawn come next spring. Perennials should be pruned pean law, the only labels anywhere grapes are grown. concerned about permanent planting, container gardening and cut back. Raking leaves will help keep the property looking that are allowed to include Sparkling wines are often allows homeowners to move around planters in a configu- presentable. the name “Champagne” must double-fermented in steel con- ration that works best for them. be bottled within 100 miles of tainers instead of bottles. Winter this region, which is close to Paris. People are drawn to other Summer One of the ways to maintain an attractive landscape The taste of champagne is unique sparkling wines besides champagne Summer landscaping is all about maintaining what was throughout winter is to install plants that can survive the thanks to the soil in which the grapes are for various reasons. For some, cost is a established in the spring. Regular mowing, weeding and colder temperatures. Winterberry is a cousin of holly, but loses grown. It is a mineral-rich soil and imparts heavy consideration, as authentic cham- trimming can keep a landscape manicured. Other than its leaves in the fall. The bright red berries can be a stark con- that flavor into the beverage. Champagne pagne can be considerably more expen- drought, weeds are perhaps the biggest lawn and garden trast to the white of winter snowfall. Camellia is an evergreen is made from a unique base of grapes that sive than sparkling wine. In addition, nuisance to a landscape in the summertime. Black medic, that blooms from fall to early spring and looks like pink roses. include Pinot Noir, Pinot Meunier and some people find less expensive cham- carpetweed, knotweed, mallow and prostate spurge are Heather is a popular plant in the United Kingdom, but is grow- Chardonnay grapes. Experts with Wine pagnes are not as palate-pleasing as some of the weeds that will crop up during the summer. ing in popularity on this side of the Atlantic as well. The Home Country also say that roughly 90 percent sparkling wines. Seeds begin to germinate as soil warms up. According to Depot says this plant blooms all year and offers beautiful of all blended champagnes use a ratio of Few things are more universally associ- the University of Maryland Extension, control with a flowers in summer and fall. In winter, the thick foliage makes 2 1 broadleaf postemergent herbicide applied when the weed ⁄3 red and ⁄3 Chardonnay mixes. ated with celebrations than a bottle of bub- for an appealing contrast to the more delicate blooms of other Another component that sets cham- bly. Subtle differences set sparkling wines is actively growing will help prevent weeds from suffo- winter plants. pagne apart is the process by which it is apart from champagne, but personal pref- cating lawns. Maintaining a landscape through the seasons makes a home made. It is strictly controlled by the Appel- erence is oftentimes the deciding factor attractive all year long. TF16C621 lation d’Origine Controlée. This certifica- when choosing which beverage to choose tion dictates how a producer may grow the for a special occasion. TF16C657 CATEGORIES: AUTOMOTIVE • SAFETY/SECURITY • TECHNOLOGY CATEGORIES: HOME-EXTERIOR • LAWN/GARDEN Headlamp safety at the core of new campaign Water feature design and maintenance To many motorists, “vehicle mainte- nance” means oil changes every 3,000 Homeowners can employ many differ- curely situated on level ground so that vi- miles and weekly trips to the car wash. ent design techniques to create one-of-a- brations will not cause the pump to move But there’s more to maintaining a vehi- kind properties. Adding a water feature to around and eventually loosen fittings. cle than keeping it looking good on the a landscape is one such technique. Even pumps protected by an intake road and tending to what’s under the Water gardens, koi ponds or fountains filter or screen can become clogged with hood. have been home landscaping trends for debris. It’s necessary to routinely in- Recognizing the importance of night- the past several years. Although water spect the screen and the pump filter and time visibility and how often headlamp features can add an element of relax- remove any obstructions. Otherwise, the maintenance is overlooked, Lumileds ation to landscapes, such features re- pump motor can overheat and malfunc- (founded by Philips) has launched a quire maintenance to keep them attrac- tion. Keep in mind that debris also may global safety campaign to increase tive and running properly. include animal life, such as frogs, awareness about headlight bulb technol- snakes, turtles — anything that may be ogy and the importance of replacing The right design drawn to the water feature. headlight bulbs in pairs. Homeowners should create a water feature design that is fitting with the Finding balance What happens to headlight scale and style of their homes while also The wrong balance of conditions in the bulbs as they age? keeping their lifestyles in mind. Ponds water can cause problems. According to The filaments of headlight bulbs age Replacing just the failed bulb (left) can result in unbalanced and incon- are popular water features and, like the experts at This Old House, which of- as the bulbs are used and exposed to the sistent lighting. Changing headlight bulbs in pairs (right) assures a prop- pools, come in both inground and fers ideas and advice for old house enthu- elements, which include sunlight, ozone erly lit road and the full safety benefit of the vehicle’s headlights. above-ground styles. Above-ground siasts, algae can be the root of all evil in and other environmental factors. As they ponds are easier and faster to build than garden features. Controlling nutrients, age, the bulbs become fragile and light inground ponds and may be safer op- which may involve watching the levels of begins to deteriorate, typically within Who is affected by unbalanced and in- Why replace headlight bulbs in pairs? tions for parents of young children. nitrogen compounds and phosphorous, two to three years of initial usage. In consistent light beams? By replacing headlight bulbs in pairs, Streams and waterfalls also are popular will help control the algae. some cases, aging bulbs may be deliv- Everyone on the road is affected drivers are doing their best to ensure and can make use of natural variations Avoid locating the water feature where ering up to 30 percent less light than when light beams emanating from ve- their vehicles produce consistent, bal- in property grading. Fountains can be lawn and garden runoff will find its way they delivered when they were brand hicle headlamps are unbalanced. anced light beams that can make night- freestanding structures or a component into the water. Filtration and routine test- new. Drivers of vehicles that are producing time driving safer for everyone on the of a pond or another body of water. ing of water levels also can help. Water uneven light beams will be driving road. Lumileds also notes the long-sup- Recognize that the location of the water features that are not meant to become Why are aging headlight with compromised visibility. Com- ported automotive industry standard of feature can impact its maintenance. For wildlife habitats may benefit from a mild bulbs unsafe? promised nighttime visibility is a replacing various vehicle parts in pairs. example, a fountain or pond located di- sanitizer to keep algae at bay. A thorough When driving at night, many mo- cause for considerable concern, as Replacing parts such as tires, brakes, rectly under deciduous trees will require cleaning of liners at the end of the season torists may notice that sometimes one the National Safety Council® notes shocks and wiper blades in pairs ensures more frequent cleaning to remove leaf and to eliminate materials that build up on the headlamp seems to be putting out more that traffic death rates are three times vehicles will maintain proper balance tree debris. Ponds that receive direct sun- bottom can help, too. light than the other. While this is incon- greater at night than during the day. and function properly when driving at light may have more pronounced algae venient, drivers may not know why it’s But oncoming motorists are also af- night and during the day. growth. Homeowners should work with a Winter preparation also unsafe. When one headlamp bulb is fected by unbalanced, inconsistent light Drivers’ nighttime visibility suffers skilled water garden expert in planning the When colder weather arrives, home- producing a substantially weaker light beams. Such motorists may have diffi- greatly when one headlight bulb is pro- feature’s design and location with safety owners must decide if they want to keep output than the other, the result is an un- culty seeing and identifying vehicles ducing significantly less light than the and upkeep in mind. the water feature running or shut it down. balanced and inconsistent light beam with just one headlight operating at peak other. Replacing bulbs in pairs can help Many experts say smaller ponds should that can diminish driver visibility at capacity, and some may even mistake motorists make the road safer for them- Maintain pumps be drained, cleaned and left empty until night, when drivers’ visual acuity is nat- oncoming cars and trucks for motorcy- selves and their fellow drivers. More in- Water features require the constant spring. This is also a time to cut back the urally reduced by as much as 70 per- cles. That can create positioning issues formation is available at flow of water to prevent stagnation and dead plant material and remove any trop- cent. that put drivers on both sides of the www.philips.com/automotive. proliferation of mosquito and other insect icals from the water. Remove pumps and street in jeopardy. TF16C654 larvae. That requires a pump to push the drain water feature lines so they can over- water around. According to Grounds winter without freezing. Maintenance, a green industry profes- Water features can make properties Visit www.metrocreativeconnection.com today! sionals resource, the pump should be se- inviting. . TF16C624

Metro Editorial Services ©2016 Metro Creative Graphic, Inc. All Rights Reserved 6 ALL PHOTOS are for EDITORIAL USE ONLY DECEMBER 2016 CATEGORIES: HOME-INTERIOR • HOW-TO CATEGORIES: HOME-INTERIOR • HOW-TO • ENVIRONMENT How to tame Bring more natural light into a home Maximizing natural light in a home is a smart and some- times low-cost renovation. Homes that are dark and drab can drain energy levels and reduce productivity. In addition, dark indoor home odors rooms may not be inviting places to gather as a family or when entertaining. A clean home interior can make a kitchens and baths to pull indoor air to Certain factors contribute to a dark home. Houses that face strong first impression on prospective the outside. north or east may not get the same level of sunlight as those buyers, but only if that home is accom- • Invest in an air filter. A high-effi- that primarily face south and west. Geographic location also panied by pleasant scents. Odors can ciency particulate air filter will force air plays a role in the amount of natural sunlight. Mountains, make a strong impact on buyers’ percep- through a fine mesh and trap harmful par- buildings and even latitude can affect the amount of natural tions of a home, including its level of ticles, such as pet dander, smoke, pollen, light that enters a home. cleanliness and upkeep. and dust mites, that can build up in a home. The style of a home and its attributes also may create dark Although dirt and other grime can Remember to change the filter regularly. conditions. Deep house eaves as well as small windows or too contribute to the odor of a home, addi- • Increase the number of plants. few windows also can contribute to a deficit of light indoors. tional culprits can contribute to foul Plants can brighten interior spaces, and A major remodel certainly can remedy the situation. However, smells as well. Everything they’re also remarkable at there also are other less-extensive strategies to improve natural from pets to the foods cleaning indoor air. The light. cooked in the kitchen to Clean Air Study con- • Assess the situation before renovating. Walk around the light into a home as the sun passes overhead. Tubular sky- the hidden presence ducted by NASA set house and determine which rooms get the most light and lights can bring natural sunlight into spaces where you may of mold can impact out to find out the which conditions may be contributing to the problem in other not expect skylights to be practical. According to Houzz, a air quality and best way to clean areas. Dark floors and walls may be absorbing natural light design and architectural resource, tubular daylighting de- odor inside a the air in space sta- and compounding the situation. You may find that only one vices, or TDDs, can make a big difference. TDDs are reflec- home. Fortu- tions. The associa- or two rooms need attention, saving you the cost and effort tive pipes installed between the roof and ceiling, with a clear nately, there are tion found that the associated with a major home overhaul. plastic dome. ways to remedy Boston fern, spi- • Lighten up window treatments. Heavy drapes or thick • Use reflective decor. Reflective surfaces, including stinky problems der plant, Chinese blinds can be replaced with translucent alternatives. Translu- glass and metal, can brighten up a room and diffuse light and come away evergreen, weep- cent shades will allow light into the room without compro- around a room. Glossy backsplashes, pendant lighting and with sweet- ing fig, variegated mising privacy, say the experts at HGTV. shiny metal that reflect light can increase the natural light, smelling solutions. snake plant, and Eng- • Use mirrors strategically. A mirror placed opposite a balancing out dark spaces. It’s important for lish ivy, among many window will reflect light all around the room. This can make • Prune trees regularly. Cut back branches and keep trees homeowners to realize other plants, were ideal a small room seem larger and a dark space instantly brighter. tidy to maximize sunlight. Avoid planting tall shrubbery in that foul air inside a home for filtering air and removing • Install new windows and doors. If the budget allows, in- front of windows. can be the result of poor indoor harmful contaminants. stalling larger windows in a home will allow more natural • Routinely clean windows and glass doors. Dirt and air quality — which can be a health haz- • Ditch disposal odors. Food can be- light in. French doors or sliding doors also may make a other grime can prevent light from getting through. Regularly ard. The United States Environmental come trapped and decompose in garbage home’s interior more bright. Think about adding windows to give windows a thorough washing. Protection Agency ranks indoor air qual- disposals. Cut citrus fruit into chunks a side of the house that has none, or increase the size of the Natural light is an important commodity in a home. Sun- ity as a top five environmental risk to and drop them into a running disposal to windows on the side of the house that gets the most light. light can improve mood and go a long way toward keeping public health. EPA studies found indoor remove many odors. • Maximize sunlight from above. Skylights will bring home occupants healthy and happy. TF16C626 air pollutants were generally two to five • Air out the washer. New washing times greater than outdoor pollution lev- machines have tight seals and gaskets els. In some cases, indoor air pollution that do not allow air to penetrate (or water was 100 times greater. The United States to leak out). Mildew can grow as a result. CATEGORIES: SPECIAL EVENTS • GENERAL INTEREST Consumer Product Safety Commission Leave the washer door open after a round says the following can contribute to poor of laundry to let things dry and air out. indoor air quality and also to some inte- • Tame pet odors. Pets contribute heav- Interesting events that unfolded in December 1916 rior odors: combustion sources; tobacco ily to odor in a home. Wet dog smells are products; building materials and fur- prevalent on rainy days, while cat litter The year 1916 was a significant turned a century ago. claiming the lives of more than nearly nishings; wet or damp carpet; cabinetry boxes can pack a pungent punch. Cleanli- one in world history. World War I, • December 13: White Friday occurs one million French and German sol- or furniture made of certain pressed ness can cut down on smells. Use activated one of the largest wars in history and along the Italian front of World War I. diers, according to recent estimates. wood products; products for household charcoal in litter products to tame smells one that involved more than 70 mil- Roughly 270 soldiers are killed when • December 30: Influential Russian cleaning and maintenance and even out- and empty the litter box frequently. Make lion military personnel, was raging in an avalanche strikes the Austrian bar- mystic Grigori Yefimovich Rasputin is door sources such as radon, pesticides sure dogs are dried off thoroughly when 1916. In Ireland, the Easter Rising of racks on Mount Marmolada. Hundreds murdered by Russian nobles. A Siberian- and outdoor air pollution. coming in from the rain, and use a deodor- 1916 would end in defeat for the Irish more are killed later in the day when born peasant, Rasputin would gain con- So how does one remedy poor indoor izing spray on pet fur. Regular grooming Republicans but go on to have long- avalanches also strike Italian and other siderable influence over Czar Nicholas II air quality and odors inside a home? can help as well. lasting and far-reaching impacts on Austrian positions. Reports indicate and Czarina Alexandra. Though some These tips can improve conditions. Odors in a home can be embarrassing the United Kingdom. both sides were intentionally firing historians now believe Rasputin’s influ- • Ensure adequate ventilation. and set a poor tone when inviting com- The month of December 1916 was into weakened snowpacks to bury their ence over the royal couple has been ex- Open windows and doors when pany over or showcasing a home for no stranger to meaningful events. The enemies. aggerated, the Russian nobles were weather permits to eliminate the con- prospective buyers. Keep odors at bay end of the year is a time of reflection • December 18: The Battle of Ver- nonetheless threatened and tried to kill centration of pollutants and help air by identifying the sources of smells and for many people, and those interested dun, which began 10 months earlier and him, first with poison and then by shoot- out odors. Use exhaust fans in taking action. TF16C623 in world history can use the end of became one of the largest and longest ing him. When each of those efforts 2016 to reflect on what the world was battles in World War I, ends. The battle failed, Rasputin was bound and tossed thinking about when the calendar averaged 70,000 casualties per month, into a freezing river. TF16C670 CATEGORIES: GENERAL INTEREST • HOLIDAYS-WINTER CATEGORIES: HOLIDAYS-WINTER • GENERAL INTEREST Reindeer and caribou are similar, but not the same Reindeer are symbols of the holiday • Caribou migrate longer distances Tradition a major component of Chanukah celebrations season. Legend states these antlered ani- than reindeer between wintering mals have a busy evening come December grounds and calving areas. Tradition is a major component of the Jewish faith, so it’s oil left that had not been defiled by the Greeks. This posed 24 — helping Santa Claus pull a sleigh • Reindeer have thicker, denser fur no surprise that tradition plays such a central role during the a problem because oil was needed to burn the Temple weighed down by toys for the world’s chil- than caribou. Both have unique hair in celebration of Chanukah. menorah throughout the night every night. However, there dren. Why does Santa choose reindeer their fur that trap air and provide extra Although some are quick to note Chanukah is not one of was only enough left for one night’s illumination. Miracu- when caribou may be equally qualified for insulation. the major Jewish holidays, Chanukah is celebrated in a very lously, that oil burned for eight nights, leading to the de- the job? It may be due to their greater his- • Both male and female reindeer public fashion. Chanukah celebrants make the holiday more velopment of an eight-day festival to commemorate this tory of domestication. and caribou grow antlers. However, high profile by displaying their menorahs in prominent loca- miracle. Although the terms “reindeer” and female reindeer antlers grow larger tions and participating in holiday meals. Because Chanukah is about the miracle of the oil and “caribou” are frequently used inter- than those of female caribou. Like other Jewish holidays, Chanukah is shrouded in the lasting flame, oil and candles factor heavily in the hol- changeably, leading many people to as- • Reindeer calves are born at the end of tradition. Chanukah means “dedication” or “induction” in iday. A nine-armed menorah called the hanukiah is lit, and sume they are the same creature, recent April and caribou calves at the end of May. Hebrew. The holiday begins on the 25th of Kislev and can one candle is lit on each of the eight nights of the cele- genetic mapping published in the jour- • Both animals have hooves that can occur in either November or December. Also known as bration. The last branch of the candelabra holds the nal Nature Climate Change shows cari- be used as snowshoes for walking on the the Festival of Lights, Chanukah includes shamash (servant) candle. The organization bou and reindeer are actually different snow and for digging. menorah displays, traditional foods and Reform Judaism says the traditional song animals. The journal determined that • Only in North America are wild games and songs. “Ma’oz Tzur (Rock of Ages)” is sung after the these mammals are quite similar and Rangifer referred to as caribou. Chanukah rose to prominence thanks in part lighting of the candles each night and at other actually share the same scientific name, • Reindeer have been herded for years to the story of faith and miracle behind its incep- times throughout the holiday. Foods fried in oil, Rangifer tarandus, but they are only throughout Alaska and some parts of tion. Antiochus IV was a Greek sovereign in including latkes and jelly doughnuts, are con- closely related cousins. Canada for their meat. However, caribou control of the region of Syria, Egypt and Pales- sumed as well. Reindeer may be slightly smaller and are largely wild animals that roam tine, where many Jews resided. Antiochus Celebrants play games with a dreidel, a Ger- are generally more domesticated than freely. As a result, caribou are hunted in began to oppress the Jews, prohibiting the man-based spinning top, and giving to charity is caribou. Some people of the Nenet the wild. practice of the Jewish religion and desecrating the Jewish encouraged. Chanukah is one of the few times of the year group in Russia keep reindeer for pets. Reindeer may get all the glory come the Temple. Opposition to Antiochus grew, and a when rabbis permit games of chance. The letters atop The following are some other similari- holiday season, but caribou are equally group led by Mattathias the Hasmonean and his son, Judah the dreidel stand for the first letter of each word in the Hebrew ties and differences, courtesy of the Uni- impressive animals. These large mammals Maccabee, took on the Syrian army. They were successful statement “Neis gadol hayah sham,” which translates to “A versity of Alaska Fairbanks. provide food and other materials for sur- in their efforts to combat religious oppression, and the great miracle happened there,” and refers to the defeat of the • Reindeer are shorter, stouter and more vival to those who live in cold climates Temple was subsequently rededicated. The Talmud states Syrian army and the rededication of the Temple. sedentary than the long-legged caribou. across the world. TF16C665 that, at the time of the rededication, there was very little TF16C652

Metro Editorial Services ©2016 Metro Creative Graphic, Inc. All Rights Reserved 7 ALL PHOTOS are for EDITORIAL USE ONLY DECEMBER 2016 Use these copyright-free editorial features to fill pages, compose sections or extend existing sections. THINK GREEN (MCC Editorial Library /CATEGORY: “environment”)

6 simple ways to greener living Protecting the planet is a goal for millions of people across the globe. And that’s a good thing, as the planet is increasingly in need of help. Behaviors few people may give a second thought to can dra- matically impact the planet in a negative way. For example, ac- cording to Worldwatch Institute, 100 billion plastic bags are thrown away each year, less than 1 percent find their way into recycling bins. The end result of that waste is the deaths of around 1 billion birds and mammals each year due to the in- gestion of plastic. If that information elicits deep emotions, perhaps this is the year to embrace a more eco-friendly lifestyle. Recycling and reusing is a good place to start, but there are other ways to em- brace green-living practices in everyday life. 1. Plan a spring garden. Explore the possibilities of a veg- etable garden and planting some fruit trees. Growing your own food can reduce reliance on commercially imported food products. Plus, the plants and other greenery will contribute Telecommuting to work can save professionals money and greatly reduce to the environment in a positive way, by providing animal the transportation-related emissions produced by commuting to and from habitats and filtering the air. the office every day. 2. Rely on fresh air and natural light. To cool or even warm up a home, use outdoor air rather than turning on the HVAC system the moment you feel uncomfortable. Natural How to reduce vehicle emissions sunlight coming through windows can warm up a space and illuminate it adequately. Recognizing the threat posed by cli- and Environmental Control notes that 3. Reduce reliance on motor vehicles. mate change, many people have re- something as simple as replacing a The organization solved to live more eco-friendly clogged air filter, a task that can be TreeHugger says currently there are around 700 million cars on Growing your own food is one way to live a more eco- lifestyles. Reducing vehicle emissions completed in a matter of minutes, can the road, producing 900 million tons of carbon dioxide each friendly lifestyle. can have a strong and positive impact on improve gas mileage by as much as 10 year. Bicycling or walking to the store or school, and carpooling to work can help reduce these emissions. 6. Conduct a home energy audit. Find out if your the environment and may even benefit percent. In addition, keeping tires 4. Use natural cleaning ingredients. motorists’ bottoms lines. properly inflated can reduce drag and Vinegar, baking soda home is hemorrhaging energy and money by conducting According to the United States En- improve fuel economy. Such steps and citrus oils can be used to clean and deodorize, reducing a home energy audit. A professional energy audit will reliance on harmful cleaning chemicals. check for water and air leaks, HVAC system efficiency, vironmental Protection Agency, 26 also improve vehicle performance and 5. Opt for paperless whenever possible. percent of all greenhouse gas emis- reduce wear and tear on a vehicle’s en- Reduce paper insulation levels, window quality, and much more. sions in the U.S. can be traced to gine, protecting motorists’ automotive waste by signing up for paperless billing and receipts. Try pay- Many people resolve to live more eco-friendly lifestyles at ing bills electronically, which will cut down on the number of the dawn of a new year, and such resolutions can produce pos- transportation. But the task of reduc- investments. ing vehicle emissions is not as diffi- • Avoid idling. Conventional auto- paper bills and envelopes that end up in the trash. itive results for years to come. TF16C644 cult as it may seem, as there are many motive wisdom once suggested that steps ordinary citizens can take to cut idling a vehicle for several minutes back on the greenhouse gases their ve- can effectively warm up its engine. Did you know? hicles are producing each day. But the EPA notes that idling is both • Telecommute to work. Recent re- ineffective and harmful to the environ- While mosquito bites are often harmless, some mosquitoes may transmit diseases and viruses such as malaria, search from Global Workplace Analyt- ment. Idling for more than 30 seconds dengue virus and the Zika virus. When mosquitoes threaten public health, the United States Environmental Pro- ics, a firm that helps organizations un- can increase air pollution unnecessar- tection Agency may apply pesticides known as adulticides. Adulticides, which can be used to control existing derstand and communicate emerging ily, waste fuel and money and cause workplace strategies, found that 50 excessive wear and damage to engine mosquito populations and combat an outbreak of mosquito-borne disease, may be applied by aircraft or via percent of the American workforce components. Auto manufacturers now trucks on the ground that have been equipped with mounted sprayers. The EPA notes that adulticides, when ap- holds a job that is compatible with at recommend that vehicles idle for no plied according to the instructions on the label, pose no risks of concern to the general population or the envi- least partial telework. The company more than 30 seconds before they also found that as recently as March begin driving, as modern engines take ronment. TF16C661 2016 a typical business would save less time to warm up than the engines $11,000 per telecommuter per year, of yesteryear. while workers who telecommute can • Drive less. Perhaps the simplest save between $2,000 and $7,000 per way to reduce vehicle emissions is to year. But the financial benefits may drive less. While walking or cycling can Reduce waste this holiday season pale in comparison to the effects that be a great and healthy alternative to The holiday season is a time for fam- pose and recycle them before discard- mass telecommuting can have on the driving, driving less does not necessarily ilies to gather and express their love and ing them. planet. Telecommuters consume con- mean motorists should abandon their appreciation for one another. Exchang- • Compost food scraps. Eggshells, siderably less fuel than workers who vehicles entirely. Instead, drivers can or- ing gifts has become a big part of the coffee grounds and vegetable peels can drive or take mass transportation to ganize weekend shopping and errand holiday season, and while such a tradi- be put to use in the garden when com- work, and over time that can greatly trips so they accomplish everything in a tion is well-intentioned, gift-giving an- posted. reduce transportation-related green- single trip. This can free up time and nually produces substantial amounts of • Give an experience rather than house gas emissions. greatly reduce fuel consumption and ve- waste. “stuff.” When gifting, think about giv- • Prioritize vehicle maintenance. hicle emissions. Food plays a big role at many holiday ing experiences rather than traditional Poorly maintained vehicles can harm Reducing vehicle emissions is a great celebrations, and uneaten food con- gifts. Experiences may include trips to the environment and cost motorists way to help the planet, and such a goal tributes heavily to the excess waste dur- a museum or tickets to a concert or a substantial amounts of money. The is more attainable than many people ing the holiday season. Time magazine play. Such gifts will make for memo- South Carolina Department of Health may think. TF16C658 reports that an estimated 1.3 billion tons rable experiences and, because experi- of food, or about one-third of global ences are not packaged, will help cut production, is lost or wasted each year. back on holiday waste. Did you know? The United States alone wastes 34 mil- • Make your own gift tags and According to a 2015 study from researchers at the University of Georgia, in lion tons of food annually, and a consid- • Scale back the menu. If you typi- wrapping. When wrapping gifts, use erable amount of that waste is produced cally have lots of leftovers after the comics, maps, old calendars, and items 2010 alone, between four and 12 million metric tons of plastic trash found during the holiday season. holiday, you’re likely overestimating that you would otherwise discard. You its way into the oceans from coastal countries. That was the first estimate of Food is not the only thing wasted dur- just how much people will eat. Learn even can decorate newsprint with rubber how much plastic enters the ocean in a year since 1975. In that 1975 study, ing the holiday season. Everything from from past experience and cook less this stamps or drawings from the children. researchers working with the National Academy of Sciences estimated that packaging to gift wrap to the number of year. If you have a lot of leftovers, • Purchase a rooted tree. Look for a gifts purchased can contribute to excess send guests home with their own plates tree that has the root intact so it can be 0.1 percent of global plastic production found its way into the oceans. But holiday waste. instead of letting them pile up in the planted afterward. the 2015 study examined the volume of plastic waste produced by every As big a problem as holiday waste refrigerator and spoiling. And keep in • Decorate with items from around coastal country in the world before estimating how much of that waste could has become, there are several simple mind that leftover food can always be the house. Costume jewelry and other ways to reducing holiday waste. donated to nearby food banks and trinkets can adorn the limbs of Christ- wash into the oceans due to littering, open dumps or landfill leaks. The • Make a list and stick to it. Retail- homeless shelters. mas trees. Look throughout the house to study’s authors determined that roughly 15 to 40 percent of plastic litter or ers are very good at upselling and get- • Reuse whatever you can. Dili- see what you might have that can serve waste enters the ocean each year. Where that waste ultimately ends up, and ting people to purchase items they do gently collect and store holiday wrap- as replacements for heavily packaged, not need during the holiday season. pings and trimmings that are in good store-bought decorations. the impact that it has on marine life and human food supply, remains a mys- Stick to a shopping list for food or other condition and put them to use again Reducing waste during the holiday tery. In addition, the study’s authors predict the amount of plastic waste en- supplies for the holiday season and be- and again. Gift bags and boxes are season can be accomplished without af- tering the oceans will double in the next decade. TF16C662 yond. Do not be tempted to buy more easily reused. Once materials have fecting the festive atmosphere synony- than is necessary. passed their prime, attempt to repur- mous with this time of year. TF16C660

Metro Editorial Services ©2016 Metro Creative Graphic, Inc. All Rights Reserved 8 DECEMBER 2016 Use these copyright-free editorial features to fill pages, compose sections or extend existing sections. RESOLUTIONS, HOLIDAYS-WINTER (MCC Editorial Library /CATEGORY: “holidays-winter”, “general interest”)

A recipe for better cooking skills How to maximize your gym workout (and membership) The ongoing popularity of food-fo- Ringing in the new year might be about toasting to good cused television shows, websites and fortune and reminiscing with family and friends. But for apps suggests the public’s desire to ex- many people, New Year’s Eve also may be spent thinking pand their food horizons and skills in the about New Year’s resolutions, many of which may focus kitchen knows no bound. on getting healthy and fit in the year ahead. But some people may be falling According to CreditDonkey, a financial resource that helps short in terms of their kitchen skills. people save money and make savvy financial decisions, the According to the market research firm health club industry is valued at around $27 billion in the Technomic, 80 percent of millennials United States. Globally, health clubs produce close to $75 bil- say they think cooking meals at home lion in revenue every year. And that industry appears unlikely is a smart living choice and nearly 70 to slow down anytime soon, as more and more people are re- percent say they enjoy cooking for solving to get healthier. others. However, there may be room No one signs up for a membership hoping for mediocre re- for many people to improve their sults. Therefore, here is how to get the most out of a gym cooking skills in the kitchen. The mar- membership and regular workouts. ket research group NPD Group found • Get inside the door. The first step to realizing results is just 45 percent of those between the to go to the gym. Statistics indicate that within a month or two ages of 18 and 24 consider themselves of joining a gym, attendance numbers dwindle even though to be merely “somewhat good” at people continue to pay for memberships when they are not cooking, according to a survey from going to the gym. Schedule time at the gym as you would any January 2015. Cooking well has be- other activity. If you need motivation to go, enlist a friend to come something to which many peo- join and get you to attend. ple aspire, but with time-pressed • Do something you love. Gyms cater to so many dif- schedules, some find it difficult to ferent workout experiences these days that gymgoers need make meals happen. not worry about getting bored with their fitness routines. Those who are resolving to make Start out with an activity you enjoy doing, or experiment more time for homecooked meals and with different activities until you find one that you find • Vary your workouts. Expanding your boundaries is a sharpen their culinary talent have many enjoyable. You may be allowed to sample classes without great way to push your body and maximize your workout. Ac- resources at their fingertips. paying for a different membership plan, or even just ob- cording to Jacob Wilson, Ph.D., certified strength and condi- • Be present in the kitchen. The serve outside of the studio door to get a sense of what may tioning specialist and associate editor of the Journal of first step to being a better cook is to interest you. Strength and Conditioning Research, “... by only doing cardio spend time in the kitchen and give meal- • Read over the recipe and under- • Work with a trainer. Gyms employ personal trainers your metabolism will actually go down, making weight loss making your full attention. Distractions stand it. Trying different recipes can who can help novices learn the ropes. New members can rely more difficult. Resistance training, however, builds muscle to such as mobile phones and televisions be fun because learning to cook well on personal training sessions to familiarize themselves with increase your metabolic rate.” Variety is the spice of life, and can detract from the cooking experi- comes with frequent practice. Under- a gym’s equipment and the proper techniques to employ it’s also essential to effective workouts. ence. Flavorful and correctly prepared stand the components of a recipe and when using that equipment. Trainers also can play key sup- Fitness resolutions are popular, and there are several ways meals require attention to detail. refer back to it frequently so that you portive rolls in members’ workouts, helping to keep clients to realize those resolutions and get the most out of your in- • Learn the vocabulary. It’s easier to know how and when to add ingredi- motivated on those days when the enthusiasm is waning. vestment in a gym membership. TF16C609 prepare gourmet meals once you have ents. As you develop more confi- fine tuned your cooking vocabulary. dence, you can veer from the recipe Cooking may have some abstract or for- and expand the flavor profile or make eign terms that mix together to form the substitutions. culinary lexicon. Taking the mystery out • Recognize that cooking is some- Tips for realizing goals in the year ahead of a roux or learning what it really what intuitive. A recipe can only get means to roast can make it easier to de- a cook so far. As your skills develop, The dawn of a new year represents a can help you stay on track, and they velop your skills to the fullest. you will develop a feel for good chance to start anew and set goals for may even offer to help you realize your • Have fresh ingredients on hand. cooking. For example, you will know the months ahead. New Year’s resolu- goals. Build meals around ingredients that are when a dough is at the right texture tions are often made to provide the mo- • Keep track of your progress. available at home. Shop regularly for the or if meat seems to be at the proper tivation people need to improve their Keep a resolutions journal or start a staples that can be turned into many dif- temperature (test it with a thermome- lives and make a new year as productive blog that allows you to write about ferent meals simply with a variation of ter to be sure). and happy as possible. your efforts. If your goal is to pay flavor. Before cooking, practice “mise If self-guided lessons are not effec- While people who make New down debt, make a spreadsheet that en place.” This is a French term for en- tive, cook with a friend or family mem- Year’s resolutions fully intend to re- tracks your progress. That spread- suring all of the ingredients for a partic- ber who is a proficient home chef. This alize those goals, few actually stick to sheet might be more motivational ular recipe are prepped and ready to go is a good way to learn techniques hands- the game plan. According to re- than simply seeing a loan or credit before the stove is even turned on. on. TF16C631 searchers at the University of Scran- card balance gradually reduce on ton, just 8 percent of people who your monthly statement. Writing make their New Year’s resolutions ac- about your trials and errors can help Shared habits of organized people tually achieve those resolutions. others and also provide a great way While that might make it seem like for you to explore your approach and The beginning of the year is an ideal tation to accept items that are being the odds are against men and women tinker with it to ensure your ultimate time to get organized and set oneself up given away by family, friends, retailers. who have resolved to improve their success. for productive months ahead. It’s also a etc. Politely refuse these unnecessary lives in the year ahead, the following • Expect setbacks. If realizing res- good opportunity to take inventory of sel- items, which will only pile up. tips can help adults realize their goals olutions was easy, the success rate dom-used items and clear out as much • Rent items rather than buying for the new year and beyond. would be greater than 8 percent. Set- clutter as possible. them. Renting rather than buying is an- • Emphasize time management. backs are inevitable, so don’t allow The amount of stuff the average per- other way to stay organized. Avid read- Hectic schedules can quickly derail them to derail your efforts. Even if son owns can affect how easy or difficult ers can rely on the public library for resolutions. Many people want to eat Blogging about your New Year’s setbacks occur when you’re well on it is for that person to get organized. In their weekly reads. Instead of purchas- healthier and exercise more but find resolution efforts can help others your way to success, regroup and get 2014, professional organizer Regina ing new formal wear to wear to a wed- their time is stretched pretty thin, and allow you to analyze your ap- back on track without getting down on Lark estimated the average American ding, rent tuxedoes, suits or evening which can make it difficult to get to proach more effectively. yourself. home contains 300,000 items. And it’s gowns. the gym or prepare healthy meals at • Reward yourself. Don’t hesitate not just adults who love to collect and • Make lists of what needs to be home. Finding ways to manage time • Make your goals public. By pub- to reward yourself as you realize your keep things, as kids contribute to the done. Writing down tasks can help them more effectively can make it easier to licly declaring your intention to improve short-term goals and draw closer to problem, too. British research, as pub- become more manageable, and a list can stay committed to New Year’s resolu- your life, you’re putting some positive making your long-term goal a reality. lished in The Telegraph, indicates the also ensure a task is fully completed. tions. Right down your daily schedule pressure on yourself to fully commit to For example, if weight loss is your average 10-year-old owns 238 toys, Physically checking off a to-do list can and look for ways to free up time. If your goal. Friends and loved ones can goal and you’ve adhered to your diet playing with just 12 in a typical day. be quite satisfying, providing motivation you routinely take an hour for lunch be great sources of support, and once and lost some weight, reward your- All of these belongings contribute to to finish the rest of the list. each day, use that time to exercise and they’re aware of your efforts, you likely self with a favorite meal eaten in disorganization and lost time. A study • Take a catch-up day. Those who eat at your desk when you return from won’t want to let them down. Once you moderation. by Esure Home Insurance found looking feel bogged down by a backlog of re- your walk, workout or jog. Try to have decided on a resolution, post your New Year’s resolutions may be diffi- for lost items accounts for 10 minutes of sponsibilities can take a day off from wake up 30 to 60 minutes earlier each short-term and long-term goals to your cult to realize, but a few simple strate- wasted time each day. work to catch up on chores and tasks. Fit morning to exercise, and make use of Facebook page or let your immediate gies can help you achieve your goals Getting organized can take persever- a few things in over the course of the day. time before bed by preparing a family and closest friends know of your and enjoy the fruits of your hard work. ance. However, it is possible. Use these • Plan ahead for meals and other healthy lunch for the following day. goals in person. Their encouragement TF16C638 strategies to get organized in the months tasks. Use the calendar to plan out the ahead. week or the month. When you know • Observe the “one-in, one-out” what to expect, instead of spending time rule. Practice the rule of giving away figuring out what to make or which task Available for Immediate Download! or discarding one item per each new to do each day, you can be more effi- Access the Editorial Library of MetroCreativeConnection at item that comes into your home. This cient about getting it done. approach can keep a cap on the new Getting organized is a common goal. www.metrocreativeconnection.com things you own. It’s entirely achievable with a positive at- • Skip the freebies. Resist the temp- titude and some dedication. TF16C633

Metro Editorial Services ©2016 Metro Creative Graphic, Inc. All Rights Reserved 9 ALL PHOTOS are for EDITORIAL USE ONLY DECEMBER 2016 Deciding if a career change is for you Get to the truth about dieting and weight loss While losing weight and quitting smoking remain among the most popu- Weight loss is a popular resolution come the new year. But lar New Year’s resolutions each year, in spite of that popularity, the resolution to lose weight is no many more people resolve to change ca- small task. When resolving to lose weight, men and women reers at the dawn of a new year. will encounter an abundance of information about dieting and Changing careers is a significant step, weight loss. It’s difficult to know who to believe and to deter- especially for men and women who are mine which plans will be effective. firmly established in their fields. A ca- Research published by Shape magazine says nearly one reer change can be just as rewarding and in three young people embark on a new diet each month, life-changing as losing weight or quit- but 45 percent give up after one week, and about half aban- ting smoking, and there are some things don their goals within a month. Data released in the Daily professionals might want to consider be- Mail in 2013 said that although one in seven (13 percent) fore resolving to change careers in the women in the United Kingdom stick to a diet for 13 weeks new year. or more, nearly one in five (19 percent) succumb to their favorite food cravings after a month. Changing careers vs. switching jobs What’s the magic formula for weight loss? Experts advise Changing careers and switching jobs enough to understand. Discuss the pros that there isn’t any. Weight-loss strategies that require fad di- are not the same thing, and some people and cons of changing careers and the eting or restrict certain foods may not produce long-term suc- may want the former while others may impact that making such a change may cess. Rather, a lifestyle overhaul is often the most effective only be in need of the latter. A full- have on your family’s daily life. Will the weight loss strategy. fledged career change may require re- family have to move? Will the family • Recognize that quick fixes do not work. Drastic sumption and drastically reduce their intake of carbohydrates. turning to school and a willingness to lifestyle change dramatically, if at all? weight loss approaches may produce immediate results, but While it’s smart to reduce consumption of processed carbs start from the bottom. A job change typ- Spouses and children may feel better such plans are not sustainable. Drastic plans include certain and those that are made largely of white flour, there are some ically allows professionals to stay in about the change knowing they were in- detoxes and cleanses; diets that eliminate all but a few healthy carbohydrates, including beans, whole grains, fruits, their fields and move on to another po- volved in the decision, and talking foods; some prepackaged foods; and food-replacement and vegetables. sition, whether it’s with their existing things through with family may help strategies. Feelings of deprivation or boredom may make • Be flexible. As a person’s body ages, his or her metabo- employer or with another company. working professionals determine if people following these diets unsuccessful in the long run. lism will change. Men and women should revisit their recom- changing careers is the best decision for Losing weight means changing one’s food and exercise mended caloric intake every few years. In addition, men and Career trajectory them. plans over the long haul. women can routinely revisit their exercise routines to deter- The direction of a person’s career • Eat in regular intervals. Researchers at the National mine the efficacy of those routines and alter their workouts to may also influence whether or not they Long-term goals Weight Control Registry offer that spacing food evenly reflect the physical changes their bodies are going through as want to make a career change. Estab- Long-term goals are another thing to throughout the day is the key to successful, long-term weight they age. lished professionals mulling a career consider before making a career change. loss. People who eat healthy food at regular intervals are better A person’s first step before dieting or attempting to lose change should consider their willing- That’s especially true for mid- or late- nourished, think more clearly and report fewer mood swings weight should be to consult their physician, who can help men ness to start anew. Many mid-career career professionals who may already than those who eat erratically. and women achieve their weight loss goals in a way that’s professionals have worked for years to have made significant progress toward • Recognize that not all carbs are bad. People trying to healthy and easy to maintain for years to come. establish themselves in their fields and achieving their long-term goals. Discuss lose weight often hear that they should increase protein con- TF16C605 within their companies. Switching ca- long-term goals with your spouse or sig- reers does not mean that experience and nificant other and how changing careers reputation is invaluable, but neither at- might affect those goals. Long-term Did you know? tribute may carry as much weight in a goals can change, and while the ability different line of work, and that can af- to realize those goals might not weigh Many people make losing weight and/or getting fit their New Year’s resolutions, and the dawn of a new calendar fect career trajectory and future earn- heavily in your decision regarding a ca- year is often a great time to find discounts on gym memberships. According to Consumer Reports, many gyms and fit- ings. reer change, understanding how such a ness centers, recognizing the desire people have to start the year off on a healthy foot, will greatly discount the cost change might affect your retirement or Effects on others other late-life plans can only help you of memberships in January. But signing up for a discounted gym membership on the morning of January 1 is not the Established professionals must also make the most informed decision possi- only way to save money and still get fit. Prospective members willing to commit to 12-month memberships may be consider the effect that a career change ble. able to get a gym with costly initiation fees to waive that fee. In addition, e-commerce businesses like Groupon® may have on their families. Married Many people resolve to change careers mid-career professionals should discuss at the dawn of a new year. But such a de- and LivingSocial may also offer discounted memberships to area gyms through their websites. Fitness-minded people changing careers with their spouse, and cision requires the careful consideration of may also be eligible for health club rebates through their health insurance plans. In such instances, health insurance even their children if the kids are old a host of factors. TF16C642 providers may reward policy holders who visit the gym a predetermined number of times in a specific time frame (i.e., 50 visits in six months) with rebates. Such rebates can save club members several hundred dollars per year, Social media resolutions greatly reducing the overall cost of their gym memberships. TF16C643 The Internet and social media have rev- olutionized the way people spend their time. In the not-so-distant past, the sharing Travel more by reducing related stress triggers of information took considerable time. But now the instant a thought pops into a per- The U.S. Department of Labor Statistics indicates that more of leisure travel happens by car, truck or RV. Nine percent of son’s head, it can immediately be broad- than half of all American workers are not using all of their va- Americans take to the air, while the rest journey by bus or cast and shared with the world. cation days, equalling to $224 billion in cash value, according train. No matter how you will be traveling, you’ll likely need According to the marketing and to Oxford Economics, an economic analysis firm. In Canada, to take to the road to get to an airport or train station. media resource Brandwatch, there were unused vacation time isn’t as pronounced but it is still apparent. Leave extra time for any hiccups along the way. Nothing 2.3 billion active social media users as A recent survey by California-based staffing firm Robert Half can make you feel more stressed than being rushed and wor- of 2015, and those users averaged 5.54 found that 26 percent of Canadians are not using paid vacation rying that you will miss a departure due to traffic. Bring along social media accounts apiece. A new days provided by their employers. However, many work- a book, stream a movie or catch up on other tasks when social user is added every 12 seconds. portant purpose than sharing another photo ers today are resolving to spend more time with their you are early to the gate. Facebook says it adds 500,000 new of your lunch. And although everyone is spouses and children or engage in recreational ac- users every day and six new profiles entitled to his or her opinions, before com- tivities. As such, traveling more is the goal of Confirm your itinerary every second. In addition, 500 million menting consider if a comment has the po- many individuals and families. Avoid bad surprises by double-checking that people visit Twitter each month. tential to ignite an argument or lead to a Although many people eagerly await flights are booked and hotel rooms have been Social media and Internet usage has be- lengthy discussion you don’t have the time their vacations, for some the idea of get- reserved and by confirming the other aspects come pervasive, so much so that some or the desire to get involved with. ting away is marred by prospect of of your trip. This is especially important people have become addicted to it. Cornell • Schedule social media time. In- things going awry or the stress of travel when using third-party booking sites to Information Science has even published stead of routinely checking your phone itself. To make travel easier, Time make travel plans. research that looked at the difficulty some or tablet for social media updates, set up Management Ninja as well as WebMD people have in quitting Facebook and a time once or twice per day to check in. suggest devising strategies to relieve Provide kids with entertainment other social networks. Professed “social This way you control how and when you stress. Other habits also can alleviate Be sure to bring along a bag with toys, media addicts” have described the need use the information. Similarly, turn off the potential pitfalls that are tied to electronics, games, coloring books, or what- for social media as being as strong as a notifications so that you will not be travel that cause stress. ever other distractions kids will enjoy to keep cigarette craving. Some people use social tempted to look at your mobile device them occupied. Happy, occupied children are media at the expense of sleep, work and each time a tone is sounded. Make lists less likely to be disruptive, especially if travel family. But even those who can control • Keep some things a mystery. Do Start by making a checklist of what to pack delays occur. their social media habits may want to cut not share locations or provide updates on and what to bring. Cross-reference the checklist back on their usage, and the following are vacations or travel plans in real time. with what suitcases and bags the items have been Get ample sleep a handful of ways to do just that. This can be a security issue. Always ex- stashed within. Begin the packing process several days Try to maintain a consistent sleep schedule. Lack of • Start cleaning out friend and fol- ercise caution regarding the information before leaving for a trip, only leaving out essential items nec- sleep can exacerbate feelings of stress and contribute to low lists. It won’t be social suicide if you share. Making use of the privacy set- essary for getting ready the day of departure. In addition, short tempers. WebMD says that it can take one to three you begin streamlining your social tings available to you may help you make another list of which bags need to be brought along. days to recover from a sleep deficit and to unwind from media feeds. Go through friend lists or achieve your goal of reducing time spent Place those bags by the front door so that nothing will be for- stress. Factor in jet lag and the “first night effect,” a con- who you are following and cut out the on social media. gotten. dition in which many travelers find it difficult to get a people with whom you do not regularly • Live in the moment. Put down good night’s sleep in a new location, and sleep deprivation converse. Keep it to only the people with phones and experience situations as they Build in extra time can be a problem. Leave time for sleeping in and do not whom you care to remain updated. happen, rather than through a screen. According to the Travel Industry Association, 88 percent over-pack a vacation schedule. TF16C632 • Think before you “tweet,” “post” Cutting down on social media usage or “snap.” Spend a few minutes really or using platforms more intelligently are considering if the information you plan to common resolutions. A little diligence share is worth sharing. Chances are you can make it possible to break the cycle For customer assistance please call: 1.800.223.1600 can reserve social media use for a more im- of constant use. TF16C641

Metro Editorial Services ©2016 Metro Creative Graphic, Inc. All Rights Reserved 10 ALL PHOTOS are for EDITORIAL USE ONLY DECEMBER 2016 The importance of annual health exams Annual health exams are a key com- should be less than 80, according to ponent of maintaining a healthy the Mayo Clinic. lifestyle. A person may not see the need • Respiration rate: The doctor will to visit the doctor if he or she is feeling measure the number of breaths taken in well, but not every disease or condition a minute. WebMD says between 12 and manifests itself in a way that men and 16 breaths per minute is normal for a women can detect. According the Unity healthy adult. Breathing more than 20 Point Clinic, nearly one-third of the times per minute can suggest heart or 133 million Americans living with a lung problems. chronic disease are unaware of the • Pulse oximetry: Johns Hopkins presence of their conditions. Routine School of Medicine says pulse oximetry physical exams can detect serious ill- is a test used to measure the oxygen nesses before they do much damage. level (oxygen saturation) of the blood. No two physical exams will be exactly It is a measure of how well oxygen is alike, but many will share some general being sent to the parts of your body fur- features. thest from your heart. Normal pulse oximeter readings usually range from 95 Health history to 100 percent. Values under 90 percent Smoking can damage blood vessels, which may be linked to cognitive A crucial element of a physical are considered low. decline and dementia. exam will include a thorough health history if the physician doesn’t already Physical exam have one on file. The doctor will take The examination will also include time to ask questions about family his- physical components. The doctor will Cognitive decline provides tory of illness, health habits, any vices perform a visual inspection of the (smoking, drinking alcohol, etc.), ex- skin and body for any abnormalities, ercise schedule, and diet. If there is a Vital signs such as the presence of skin cancer. another reason to quit smoking possible hereditary health condition A doctor will check a patient’s vital The physician may feel the abdomen running through your family, the doc- signs during the physical. Areas the doc- to check that internal organs are not Smokers have scores of reasons to blood vessels that feed oxygen and nu- tor may suggest certain testing and tor will look at include but are not lim- distended. Females’ physical exami- give up the habit. In addition to con- trients to the brain. Recent research make note of potential signs to look for ited to: nations may include breast and pelvic tributing to cardiovascular disease, has shown that smoking is a signifi- in the future. • Heart rate: This measures the exams. lung cancer and other lung ailments, cant risk factor for vascular dementia speed at which the heart is pumping. cancers elsewhere in the body, wrin- and Alzheimer’s disease, with smokers Current ailments Normal resting heart rate values range Comprehensive testing kled skin, and diseases of the eyes, twice as likely to develop the disease After discussing a patient’s history, from 60 to 100 beats per minute. In addition to the exam at the office, nose and mouth, smoking may also as nonsmokers. the doctor may ask if they are having • Blood pressure: A blood pressure the physical may include an electrocar- contribute to cognitive decline. The Mayo Clinic defines vascular de- any problems they cannot explain. cuff (sphygmomanometer) will meas- diogram, or EKG, to check electrical ac- There’s growing evidence suggest- mentia as problems with reasoning, These can include changes in eating or ure systolic and diastolic pressure. tivity of the heart; blood count and cho- ing that using cigarettes can affect the planning, judgement, memory and other sleeping patterns; aches and pains; Systolic pressure measures the force lesterol checks through bloodwork; brain in negative ways, including thought processes caused by brain dam- lumps or bumps and other abnormali- with which the blood is pushing body mass index testing; X-rays or causing cognitive decline as early as age from impaired blood flow to the ties. Again, the presence of symptoms through the arteries. The diastolic MRIs and bone-density tests. age 45. According to the study “Im- brain. Factors that increase the risk for may be indicative of illness or physical blood pressure is the pressure in the Physical exams remain an important pact of Smoking on Cognitive De- vascular dementia are high cholesterol changes, but not all diseases produce ob- arteries between beats, when the heart part of staying healthy. Consult with a cline in Early Old Age,” led by Sev- and smoking. vious symptoms. rests. The systolic (top number) doctor for more preventative mainte- erine Sabia, as published in the Dementia can be brought on by should be below 120, while the bottom nance tips. TF16C634 journal Archives of General Psychia- stroke, whether it’s a large stroke or try, smoking is a possible risk factor a series of mini-strokes. WebMD says for dementia, although the impact vascular dementia can occur over smoking has on the brain may have time as “silent” strokes build up — been underestimated in elderly popu- something that seems to occur more Enjoy an easy vacation on the open seas lations because of the general shorter readily in smokers and those with Adequate vacation time has long the world in one trip is to travel via a have an array of amenities at their fin- life span of smokers. cardiovascular disease. been one of the perks many working luxury cruise ship that sails in and out gertips for one set price. This includes Study participants were given a bat- Symptoms of cognitive decline that professionals look for when search- of multiple ports. Cruise market rev- room accommodations, food, enter- tery of tests in memory, vocabulary and may result from smoking and vascular ing for new jobs. While that’s still enue in the United States is expected tainment, and even some shore excur- executive function that included reason- dementia can include: true today, an increasing number of to reach almost $50 billion by 2018. sions. Those looking for an easy va- ing and fluency, and a global cognitive • problems with short-term memory people are not taking full advantage The world’s largest cruise passenger cation that doesn’t require score. Both men and women partici- • wandering or getting lost of their vacation days. However, after source market is North America, coordinating air flights with rental pated (5,099 men and 2,137 women, • trouble managing money several years of taking limited or no which produced 12.16 million guests cars and hotels often find traveling with a mean age of 56), and smoking • difficulty planning or following vacation days, new resolutions are in 2014 alone. via cruise ship to be ideal. history was recorded over the 10-year through on activities popping up to take time off and travel The advantages of traveling via Cruises can be booked through a travel assessment period. An analysis revealed • loss of bladder or bowel control more. cruise ship are numerous. When trav- agent, through the cruise line itself or via that a cognitive decline occurred in all • delusions or hallucinations One way to see the various parts of eling aboard a cruise liner, guests the Internet. TF16C672 tests except vocabulary among all par- • inappropriate emotions ticipants, but mostly in men. However, • impaired coordination or balance faster cognitive decline was observed More research is needed with regard among current smokers compared with to the association between smoking and Car rental tips help save time and money those who had never smoked. The size cognitive decline related to dementia. If of the effect associated with smoking research continues to prove a correla- Many people resolve to enjoy life to the fullest, and that big advertising budgets) mean these rentals typically cost 15 was similar to that of 10 years of aging. tion, greater warning may be issued may involve indulging in new experiences and traveling to dif- to 30 percent less than rentals from mainstream agencies. Re- Findings are similar to other re- about smoking and its effect on parts of ferent locales. The United States Travel Association says search lesser-known rental companies beforehand to compare search being done on the topic of the body beyond the heart and lungs. nearly four out of five domestic trips taken are for leisure, and prices and read any reviews to see if these businesses are up smoking and its impact on the brain. Even at this early junction, current re- 1.7 billion person-trips, or travel taken by a person away from to the standards of larger, better-known chains. The Alzheimer’s Society states that search suggests yet another reason to home overnight to places 50 miles away or more, were logged • Avoid renting from an airport. It may be convenient to smoking is bad for the heart, lungs, quit lighting up. in 2015. step off a plane and grab a rental right there. However, rental and vascular system — including the TF16C636 Ground transportation remains one of the most popular car agencies operating at airports may pass on airport sur- means of getting around. People who charges to their customers. Try a car choose not to use their own vehicles for rental service away from the airport and Coloring a popular adult hobby travel often find that a rental vehicle suits take a shuttle or cab to get there. their purposes and can be quite convenient. • Understand mileage caps. Accord- Coloring books are no longer just the activity of the amygdala, the part of Consumers seeking a rental car can ensure ing to Angie’s List, some rental car child’s play. In recent years, adult color- the brain that controls emotions. their travel plans go smoothly with these companies offer unlimited miles for a ing books have flown off of the shelves Participants who color can find tran- tips. rental period, while others may employ at craft retailers and bookstores, turning quility quite easily. Marygrace Berber- • Travel off-season. Not only might trav- mileage caps. Read the fine print of the what was once a niche hobby into a pop- ian, a certified art therapist and Clinical elers save on airline tickets, hotel accommo- agreement, especially if you’ll be using ular and lucrative trend. Assistant Professor and Program Coor- dations and more when traveling off-season, the rental for long-distance driving. Studies show that coloring can have dinator for the Graduate Art Therapy but they also can save on rental cars. For ex- • Ask about membership affiliation. calming and therapeutic effects. In fact, Program at New York University, has ample, according to the Abrams Travel Data Inquire about discounts for any major na- researchers at Johns Hopkins University said, “Coloring definitely has therapeu- Index, consumers can expect to pay 56 per- tional organizations, frequent flier pro- suggest coloring as an alternative to tic potential to reduce anxiety, create cent less in March for a rental car than they grams and credit card programs to which meditation. This form of art therapy can focus or bring about more mindfulness.” would renting the same vehicle in July. you may belong. If you’re employed by a company that fre- relax the mind and help a person learn Adults interested in coloring have a • Know what you want. Before renting, decide which quently rents cars, they may have a negotiated rate for em- more about oneself in the process. substantial catalog of adult coloring type of vehicle will best fit your needs. If you’re traveling ployees. All types of coloring can stimulate a books at their disposal. Start with some- with children, you may need a van or a large sedan, rather • Investigate insurance coverage. You may be able to de- person’s creative juices while simulta- thing relatively easily by coloring man- than a compact car. If travel includes certain hobbies, such cline extra insurance coverage at the rental desk. Some personal neously strengthening his or her mental dalas, or circles filled with other geo- as skiing or bicycle riding, look for a rental with a ski or automotive policies will cover collision damage and personal well-being. Experts who study the im- metric shapes. Intricate designs are bike rack — or one that can fit such accessories. Those liability for temporary use of a rental car, according to Mile- pact coloring has on adults have found hallmarks of adult coloring books, in- concerned with the environment may want to rent an eco- Cards.com, a travel rewards card comparison website. What is coloring involves both logic and creativ- cluding fine art and design-themed col- friendly model. not covered by your insurance may be covered by secondary ity. This activates the areas of the cere- oring books. Therefore, it’s best to in- • Shop around. Major car rental agencies are located all insurance offered by the credit card used at booking. bral cortex in the brain involved in vi- vest in a quality set of colored pencils over the world. However, depending on where you travel, lo- Rental cars are a major component of travel. Consumers sion and fine motor skills. The for a greater level of precision. cally owned companies may offer comparable service and can save money and make trips even easier by understanding relaxation that coloring provides lowers TF16C615 lower rates. Lower operating costs (think no franchise fees or some of the basics of renting. TF16C635

Metro Editorial Services ©2016 Metro Creative Graphic, Inc. All Rights Reserved 11 ALL PHOTOS are for EDITORIAL USE ONLY DECEMBER 2016 Different ways to help How to turn a hobby into a career The end of the year tends to be a time to reflect on the resolutions stick this year previous 12 months. Many people are inspired to find a In the heat of the New Year’s Eve new career at the dawn of a new year. Some might find it countdown, fueled by enthusiasm and possible to turn hobbies and other interests into ventures possibly a few glasses of champagne, that can make money or even serve as new jobs. resolutions may roll off of the tongue. Earning a living doing something you love is the ultimate But come the morning of January 1, goal for many people. However, before a person tries to such resolutions may not hold the same turn a hobby into a career, he or she first needs to analyze appeal. the situation and give such a momentous decision ample Between 40 and 45 percent of the consideration. All hobbies cannot be adapted into lucrative American population will make a New businesses, especially those that are very niche-oriented. Year’s Resolution, according to polling The following techniques can help people turn their hob- by researchers at the University of bies into careers. Scranton. Research suggests that only • Streamline and perfect your skill. Before trying to about 8 percent of people stick with turn a hobby into a career, obtain further training or educa- those resolutions and achieve their tion, if necessary. Just because you’re qualified to do some- goals. The outlook is similar for Cana- thing as an amateur does not mean you can do it as a pro- dians, 31 percent of whom set New fessional. Research if you need more schooling and pursue A love of animals could be turned into a career in pet Year’s resolutions. Among those that do, that schooling if you find you do. grooming. three-quarters will break them, accord- • Appeal to other hobbyists. Hobbyists tend to be quite ing to a poll from Ipsos. A survey of on- enthusiastic and passionate about their work. Therefore, taking the bunny hills before skiing down the expert-level line shoppers who visited the website your first client base may very well be other hobbyists. At- slopes. Start selling items or services in the community. Ex- FreeDeliveryLand.co.uk revealed that the tend street fairs, carnivals and any other gatherings that pand to a website. Keep track of your profit margin before you average length of time a person can expect tend to bring hobbyists together. This can help spread the grow your business even further. You must be realistic in your to pursue their New Year’s resolution is word about your ventures and open up your work to an ex- ability to make money that can fully support you and your busi- around three and a half weeks, or 24 days. tended network of like-minded individuals. ness. Maintaining resolutions can be a • Listen to all feedback. Take criticism and other feed- • Write about your interests. You may be able to make resolution in and of itself. For those avoiding sweets or by squeezing on a back from as many people as you can. This will help you money through your hobby without performing the hobby. who want to push through the fail grip strengthener for as long as they to really fine tune and professionalize your hobby. Try Become a freelance writer and share expertise through a blog point this year — and stay strong in could twice a day. Twenty-seven percent brainstorming with people, remaining open to what others or by contracting with newspapers and magazines. Sharing the face of tempting desserts and the of those who were diligent about prac- have to say about your potential business. your expertise can be a lucrative and less costly way to turn a craving to light up a cigarette — ticing their self-control exercise success- • Start small and simple. Getting your feet wet in the busi- hobby into a new career. these suggestions may help resolu- fully kicked their cigarette habit in the ness world takes an investment of time and money. It’s easy to Turning a hobby into a profession may not result in instant tions stick. following month, compared with just 12 follow the mentality “go big or go home.” But with the goal of success. But with dedication, the dream may come true. • Start small when picking resolu- percent of volunteers who didn’t maxi- turning a hobby into a career, you may want to start slowly — TF16C630 tions. Rather than resolving to lose 50 mize self-control. pounds, start with a more manageable • Get support or talk it out. Speaking goal, such as losing 10 pounds. When about what you are going through and you reach the goal, you will feel more getting reassurance from other people can Did you know? confident and then you can up the ante. work wonders to strengthen resilience. Each January 1, people all over the world make resolutions for the new year. Many of the same resolutions pop up • Set a reasonable time frame. Be When the desire to quit sneaks up, you on popularity lists each year. According to a study by GoBankingRates, which in December of 2015 asked 5,000 realistic when determining how long it can consult with a friend or consider a will take to achieve your goal. Achiev- support group. For example, taking a people what their New Year’s Resolutions would be for 2016, the top resolutions included: ing a difficult goal can take time, so group class at the gym may be a more ef- • Enjoy life to the fullest. don’t expect overnight success. fective motivational tool than working out • Live a healthier lifestyle. • Practice self-control in all aspects solo. of life. Some researchers believe that the • Set up an accountability system. • Lose weight. self-control necessary to help people Institute a rewards system for your suc- • Spend more time with family and friends. maintain their resolutions is like a mus- cess. You might even use a monetary • Save more, spend less. cle that needs to be exercised. When system as a double-bonus. When you A study by Thomas Cook UK, a United Kingdom-based travel company, indicated many people in Britain planned to cut self-control is revved up across many stick to a resolution over a predeter- different activities, it’s easy to realize mined period, put a dollar in a jar. If you back on social media as a top resolution as well. It should be interesting to see which resolutions play out upon the arrival one particular resolution. For example, fall off course, take a dollar away. Find of 2017. TF16C637 in an experiment at the University of Al- the incentive that works for you. bany, researchers asked 122 smokers Resolutions are made and broken who were trying to quit to practice extra every year. Make this the year you real- self-control for two weeks, either by ize your resolution. TF16C639 The many benefits of family meals Families who resolve to spend more time together may reap a host of benefits. One of the easiest ways to enjoy family com- Exploring the origins of pany is to dine together — with researchers saying it’s one of the most important things parents and other caregivers can do for children. Hectic schedules have made it commonplace for many New Year’s resolutions families to grab meals on the go, whether on the ride to school or during the commute home from work. Family For millenia, people around the Numa Pompilius). Julius Caesar meals may also play second fiddle to sports practices, world have commemorated the arrival wanted to honor January’s namesake, extra hours at the office and trips to the gym. However, ac- of a new calendar year by adhering to Janus, the Roman god of beginnings. cording to family therapist and Harvard Medical School various traditions. Once such tradition Janus’ two faces enabled him to look professor Anne Fishel, sitting down for a nightly meal is is making resolutions for the year back into the past and forward into the great for the brain, the body and the spirit. ahead. Resolutions are promises to future. Sacrifices to Janus were made, According to a study from researchers Sandra L. Hof- oneself geared around personal fulfill- and worshipers exchanged gifts with ferth and John F. Sandberg titled “How American Chil- ment and betterment. one another. A custom of setting reso- dren Spend Their Time,” which appeared in the Journal Resolutions are widely practiced, lutions began during this period as of Marriage and Family, family meals are linked to fewer but some people may not understand well, with Romans promising to be behavior problems, as measured by a child’s score on the the origins of New Year’s resolutions good to one another. Behavior Problems Index. And that is not the only advan- and why they have become the norm. Eventually, these resolutions were tage to family meals. Some historians tie the practice of funneled into prayers and fasting • A 2000 survey from the Obesity Prevention Program at making resolutions to the ancient Baby- when Christianity was adopted by the Harvard Medical School found that the nine- to 14-year-old lonians. More than 4,000 years ago, the Roman Empire. Other religious paral- children who ate dinner with their families most frequently Babylonians celebrated the New Year in lels include the Jewish holiday of Yom ate more fruits and vegetables and consumed less soda and Regular family meals can benefit children in various March rather than January. The spring Kippur, which is a day of atonement fried foods. ways. harvest was in March, and a festival and reflection as celebrants examine • Conversations around the dinner table provide an op- called Akitu, which lasted 12 days, was their wrongdoings and seek forgive- portunity for children to expand their vocabulary and ily meals help provide a regular, consistent opportunity celebrated. An important part of the fes- ness and to behave better moving for- knowledge about key issues. A 2006 article in New Direc- to create an environment of inclusion for everyone in the tival was the crowning of a new king. ward. Yom Kippur follows Rosh tions for Child and Adolescent Development found din- family. Family meals also become a way to carry on fam- Special rituals also affirmed a connec- Hashanah, Judaism’s own new year. nertime conversation boosts vocabulary even more than ily traditions and instill a sense of family unity. tion to the gods. The Babylonians made Resolutions also may be loosely tied being read to. Young kids learned 1,000 rare words at the • Eating together may help prevent certain poor adoles- promises to the gods, which included to Medieval times. During this time, dinner table, compared to only 143 from parents reading cent behaviors. Teens who have fewer than three family vows to return borrowed objects and pay knights took a “peacock vow” at the end storybooks aloud. At the family dinner table, parents can dinners a week are 3.5 times more likely to abuse pre- outstanding debts. of the Christmas season. Each year, teach their kids how to speak well when among other scription drugs and to use illegal drugs other than mari- Resolutions can also be traced to these knights would reaffirm their com- adults and children without the distractions of television, juana; three times more likely to use marijuana; more than ancient Rome. The Romans were in- mitment to chivalry. phones and other electronic devices drawing kids’ atten- 2.5 times more likely to smoke cigarettes; and 1.5 times strumental in creating a more formal Today New Year’s resolutions are tion away. more likely to try alcohol, according to Court Appointed calendar, and the start of the new year largely a secular tradition, but they’re • Family dinners can help expand palates and get children Special Advocate reports. was moved from March to January still connected to a desire to be a good to try new things. Family meals are more than just a chance to enjoy good (January and February were added to person and put one’s best self forward. • Experts in the Department of Child Development and food together. Such meals may benefit children for years to the Roman calendar under the rule of TF16C673 Family Science at North Dakota State University say fam- come. TF16C613

Metro Editorial Services ©2016 Metro Creative Graphic, Inc. All Rights Reserved 12 ALL PHOTOS are for EDITORIAL USE ONLY DECEMBER 2016 Use these copyright-free editorial features to fill pages, compose sections or extend existing sections. MONEY/FINANCE (MCC Editorial Library /CATEGORY: “money/finance”)

Financial tips to survive job loss Beginner’s guide to real estate investments The job market is fickle, and no one Purchasing a house or property is about more than setting is immune to layoffs. Although the un- up a home. Although quite a number of people buy real es- employment rate in the United States tate to establish their future, long-term abodes, many others dipped to 4.9 percent in June 2016 and recognize the potentially lucrative investment that lies within Canada’s rate hovered around 7 percent a real estate purchase. in May 2016, the job market remains Despite the ups and downs of the economy, real estate somewhat unpredictable. Preparing fi- has become a common investment vehicle — one that has nancially for unemployment can be pru- plenty of potential for making big gains for those who are dent, even for working professionals willing to put in the effort. According to the experts at who do not anticipate being laid off. Entrepreneur, even in a bad economy, real estate invest- Financial advisors recommend adults ments will usually fare better than stocks. Real estate also save the equivalent of six months’ salary continues to appreciate despite the occasional economical to cover their expenses in the event of slow-down. job loss. Individuals who want to protect Like any other endeavor, there is a right and a wrong themselves and their assets in the case of way to go about investing in real estate. Novices may not job loss can also heed the following tips. know where to begin their first forays into the real estate • Examine current finances. It’s im- market as investors, even if they already own their own portant to have an accurate assessment homes. Buying a property as an investment is an entirely of your current financial situation. Cal- different animal than buying a home to establish a resi- culate monthly expenses to get a handle dence. However, with the right guidance, anyone can dab- on what you are spending. Compare ble in real estate. those expenditures against your savings • Establish financial goals. Before you even begin looking to see if the latter can keep you afloat at properties or put forth the effort of meeting with an agent, with properties that will turnover quickly. Research areas should you lose your job. Look for areas you must determine what you expect from the investment. The in and around urban centers or close to transportation and where you may be overspending, even Preparing for job loss before it oc- days of buying real estate and flipping it for a fast profit may shopping. A good starter property is a small house or a cutting out some luxuries if you suspect curs can help adults survive the no longer be here. However, real estate can provide a steady condominium that can be refurbished and then rented. a job loss is looming or just want to gap between jobs. stream of long-term income. Understand what you hope to Rental properties offer steady sources of income when build your savings. achieve by investing. If it’s to become an overnight million- renters are properly vetted, offers Investopedia, an invest- • Begin budgeting for loss of job. You may prefer to find temporary aire, you may be looking at the wrong investment vehicle in ment resource. health insurance. Health insurance or part-time work in your field, but real estate. • Look at many different properties. Become an ex- coverage typically ends when a person your hobbies and other interests may • Establish a plan. New investors who do not have a pert by learning as much as you can about what is out is laid off. Loss of coverage might not present income possibilities as well. plan in place will likely spend too much or have more set- there. Attend open houses; look for vacant/unattractive be immediate, but it may occur within • Practice living with less. Cut out backs than others who have planned accordingly. When properties; scour the classifieds in your local paper; or months of a layoff. Health insurance is unnecessary expenses and attempt to investing in real estate, it’s more about the bottom line put the word out there that you’re interested in buying a a considerable cost, and you will need live with less. You may find that this than the property itself. According to Springboard Acad- property. Only look at properties that have motivated sell- to budget for the expense so that you comes easily and continue to do so emy, a real estate academy for investors, look for moti- ers, because then you’ll get closest to the price you want will have access to the health services even though you remain employed. vated sellers and stick to a set purchase price. Try to make to pay. And don’t forget to research the area and the home you need. Such a trial run can bolster your sav- offers on a variety of properties that work in your finan- turnover rate for the specific area where you are looking. • Research options in government ings in the event of layoff while also cial favor. And know what you want to do with the prop- Don’t make assumptions that a property will appreciate benefits. Few people like the prospect acclimating you to living with less erty (i.e., renovate and sell, remove and rebuild, or rehab without doing your homework. of visiting the unemployment office should a layoff ever occur. and rent) before you buy. Fit the house to the plan, and Real estate can be a worthy investment opportunity. With after being laid off, but delaying the • Don’t burn bridges. While it’s un- not vice-versa. research, a plan and the right price, just about anyone can be process could negatively affect your fi- derstandable to harbor some resentment • Start small. If this is your first time out there, stick a real estate investor. MM16C608 nances. It can take some time for unem- toward an employer for letting you go, ployment claims to be processed, so that same employer may be able to help apply as soon as possible after losing you in the long run. Supervisors can your job. help you find a new job or write glowing How to save money on everyday expenses • Find ways to supplement your recommendations. Staying positive and income. Bringing in any money can be resisting the temptation to badmouth a Saving money on everyday ex- own lunches to work, working profes- helpful. If it is feasible, look for ways former employer can only help you in penses is a goal for many adults. Cer- sionals can save hundreds of dollars to make some cash while you search the long run. tain expenses, such as loan payments, per year. In addition to the financial for a new job in your field. This may Losing a job is seldom easy and is may be more difficult to pare down benefits of brown-bagging lunches, include working from home, freelanc- often unexpected. But there are steps than others. But there are ways adults adults can reap nutritional rewards by ing or selling items online. Consider adults can take to prepare for losing can save on everyday expenses with- packing healthy meals for themselves. part-time work while you look for a their jobs. MM16C610 out drastically overhauling their daily Men and women who eat out for lunch routines. each day will have to eat whatever the eateries near their offices have to offer, Understanding health savings accounts Transportation whether those offerings are healthy or Navigating health insurance plans What are the advantages and Transportation is a significant ex- not. Individuals also can save more can be confusing. One health insur- disadvantages of HSAs? pense for many adults. The Federal money by bringing their own coffee to ance product that’s relatively easy to There are advantages and disadvan- Highway Administration notes that work each day rather than relying on understand is a health savings account, tages to HSAs. HSA account holders the average American family devotes coffee shops to satisfy their morning or HSA. This type of account can help can control how their saved money is 19 percent of its monthly budget to java fix. account holders save money on the spent, and there’s no risk of losing the transportation costs, while Statistics costs associated with their healthcare. money at the end of the year because Canada points out that Canadian fam- Entertainment it rolls over. Taxes are not paid on ilies spent slightly less than $12,000 Entertainment is another area where What is an HSA? money going into the HSA. In addi- on average on transportation in 2014. many adults can likely save money. HSAs are like any other savings ac- tion, employers can contribute to A 2011 report from the American NBC News reported in 2015 that the av- count, except they can be used for HSAs, and account holders do not lose Public Transportation Association erage cable bill was $99 per month, and medical, vision and dental expenses. their balances when they change jobs. found individuals who ride public that was before 2016 rate increases were HSAs are tax-advantaged, meaning Disadvantages include the challenge transportation can save more than Brown-bagging lunch instead of announced by a host of providers, in- that income can be deposited into an of setting aside money to put into the $10,000 annually. That figure is buying lunch out each day can save cluding DirecTV, Dish Network and HSA before it is taxed. HSAs can only HSA, especially if finances are tight. closely tied to fuel costs, but even adults hundreds of dollars per Time Warner Cable. Streaming services be opened and used in conjunction One who has certain medical situations when fuel costs are low, adults can year. such as Netflix ($9.99 per month), Ama- with a high-deductible health insur- that are urgent may find that budgeting still save substantial amounts of zon Prime ($99 per year) and Hulu Plus ance plan, or those with a deductible for an HSA is impractical. money by utilizing pubic transporta- will add years to a vehicle’s life, sav- ($7.99) combine to cost a fraction of of at least $1,300 for an individual or tion instead of driving themselves to ing auto owners money as a result. that figure, and such services continue $2,600 for a family. A retirement saving vehicle work every day. to increase their offerings. Adults inter- In addition to the other benefits Even adults who live in auto de- Food ested in trimming their daily expenses HSA details and mentioned, HSAs can be used as a way pendent exurbs, where families devote Food is another daily expense where can access all three services for less than eligibility requirements to invest in retirement. The resource 25 percent of their monthly budgets to many adults can likely save some $320 per year, or a little more than three Although HSAs have contribution NerdWallet, which offers financial transportation costs, can save by car- money. A 2013 survey from Visa found months’ worth of cable bills. limits, they’re advantageous in that the tools and objective advice to help peo- pooling to work, which allows com- that the average person goes out for Reducing everyday expenses is a goal savings accumulated can be used to pay ple understand their options and make muters to split fuel and toll costs while lunch twice per week, spending $10 for many adults, and doing so is simpler for noncovered, qualified medical ex- the best possible decisions, says an also reducing wear and tear on their each time. That adds up to more than than some may know. penses, such as copays, vision and den- HSA is a good retirement savings op- vehicles. That reduced wear and tear $1,000 annually. By bringing their MM16C614 tal care and even deductibles. tion, especially for high-income earn- HSAs may be established through an ers who can’t make deductible contri- employer-sponsored insurance plan or butions to a traditional IRA or any Need help? through a bank or other financial insti- contributions to a Roth IRA. tution. To qualify, a person must be HSAs can help offset healthcare costs FREE training Webinars are only a phone call away under the age of 65 and have a high-de- and even help with long-term financial (800-223-1600), or e-mail [email protected] ducible health insurance plan. planning. MM16C611

Metro Editorial Services ©2016 Metro Creative Graphic, Inc. All Rights Reserved 13 ALL PHOTOS are for EDITORIAL USE ONLY DECEMBER 2016 Information for young parents to Power of attorney protects loved ones Life is full of the unexpected. But just because the future include in their wills is unpredictable does not mean adults cannot prepare for A will is a legal document that contains instructions as to what should be what lies ahead. Estate planning is important, and estab- lishing power of attorney can be essential for men and done with a person’s money and property upon that person’s death. While women looking to protect their financial resources and no young parent wants to think of their own mortality, parents must have other assets. wills to ensure their families are taken care of how they see fit in the wake of their deaths. When devising a will, young parents should consult a legal What is power of attorney? A power of attorney, or POA, is a document that enables an professional to ensure they have covered all the bases. But the following is individual to appoint a person or organization to manage his some of the basic information young parents should include in their wills. or her affairs should this individual become unable to do so. • Guardianship: Young parents should include instructions regarding According to the National Caregivers Library, POA is granted to an “attorney-in-fact” or “agent” to give a person the legal guardianship of their children should they pass away while the children are authority to make decisions for an incapacitated “principal.” under the age of 18. Parents should not assume that their wishes regarding The laws for creating a power of attorney vary depending on guardianship, even if those wishes had been expressed often, will be fol- where a person lives, but there are some general similarities lowed should they pass away without a will. If no will has been written, laws regardless of geography. may dictate that children go to a spouse or the deceased’s closest relative. Why is power of attorney needed? Even if parents’ wishes regarding guardianship align with the law, they Many people believe their families will be able to step should still spell those wishes out in writing in their wills. in if an event occurs that leaves them incapacitated and unable to make decisions for themselves. Unfortunately, Power of attorney is a key document to have in an es- • Assets: Young parents should use their wills to assign their assets so their this is not always true. If a person is not named as an agent tate plan. money and property is distributed to their heirs in accordance with their or granted legal access to financial, medical and other per- wishes. Parents should be as specific as possible when dictating their wishes tinent information, family members’ hands may be tied. Certain powers of attorney may fall within a certain time In addition, the government may appoint someone to make period. regarding their assets. Doing so will prevent disputes and ensure their as- certain decisions for an individual if no POA is named. sets are assigned exactly how they intended them to be. For example, par- Just about everyone can benefit from establishing an attor- What is covered? ents who have invested in real estate and own more than one home should ney-in-fact. Doing so does not mean men and women cannot An agent appointed through POA may be able to handle the list the address of each property when assigning the homes to their heirs. live independently, but it will remove the legal barriers in- following, or more, depending on the verbiage of the docu- volved should a person no longer be physically or mentally ment: • Executor: This person ensures the deceased’s wishes are met and works capable of managing certain tasks. • banking transactions with the deceased’s attorney to ensure assets are allocated in adherence to • buying/selling property the will. Before naming an executor, parents should first speak with the per- Power of attorney varies • settling claims Power of attorney is a broad term that covers various as- • filing tax returns son to determine if they are willing to do so. The responsibility of serving pects of decision-making. According to the legal resource • managing government-supplied benefits as an executor is an enormous one, and parents’ initial choice may already ‘Lectric Law Library, the main types of POA include gen- • maintaining business interests be serving as executor of another estate and not want the additional re- eral power of attorney, health care power of attorney, • making estate-planning decisions durable power of attorney, and special power of attorney. • deciding on medical treatments sponsibility. When choosing an executor, parents should choose a trustwor- Many of the responsibilities overlap, but there are some • selling personal property thy person who has agreed to serve as an executor and understands all of subtle legal differences. Durable power of attorney, for ex- • fulfilling advanced health care directives the responsibility that comes with that task. ample, relates to all the appointments involved in general, Although a power of attorney document can be filled out • Trustee: Young parents who desire to establish a trust for their children special and health care powers of attorney being made and an agent appointed on one’s own, working with an estate “durable.” This means the document will remain in effect planning attorney to better understand the intricacies of this in the wake of their death also must name a trustee to oversee the assets or take effect if a person becomes mentally incompetent. vital document is advised. MM16C602 left to their children if their children are too young to do so themselves. The responsibilities of a trustee are similar to those of an executor, but oversee- ing a trust can last considerably longer than executing a will. For example, Did you know? trustees may be asked to manage investments and periodically disburse Those looking to rein in their spending may want to take inventory of their dining habits. The budgeting resource funds for children of the deceased, and such responsibilities can last The Simple Dollar says the average American eats roughly 4.2 commercially prepared meals per week. This equates decades. MM16C620 to around 18 meals eaten outside of the home in a given month. That can cost diners roughly $232 dollars per month or more. Budget-conscious diners looking to curtail their spending can be pickier about when they choose The benefits of umbrella insurance to dine out. Simply eating at home a few more times per month can add up to considerable savings. MM16C603 Insurance policies come in various forms. There is a type of insurance to cover everything from motor vehicles to personal health to apartment dwellings. Money management tips for recent grads While the majority of people understand the importance of insuring their homes Millions of students graduate from colleges and universities each and cars, many may not explore the ben- year. Upon earning their degrees, many students shift their financial efits of a different type of insurance: focus from paying tuition to repaying their student loans. umbrella coverage. Student Loan Hero, a loan consolidation and management Unlike other types of insurance that company, says Americans owe nearly $1.3 trillion in student only offer one specific coverage, um- loan debt. The average member of the class of 2016 can expect brella insurance is a single policy that to have $37,172 in student loan debt upon graduation. That’s covers various aspects of a person’s life. an increase of 6 percent from 2015. The Canadian Federation An umbrella policy can fill in the gaps of Students says the average college graduate can expect to owe where liability limits come into play around $27,000 at graduation. with other insurance policies, keeping a Student loan debt is not the only financial hurdle college person protected regardless of de- graduates face upon graduation. Graduates need to learn ductibles and other assets. how to make their money go far and start thinking about According to the financial resource investing in the future — even though many graduates earn Money Crashers, umbrella insurance is entry-level salaries upon graduating. The following tips can a type of liability insurance. Its main help grads manage their money and take control of their purpose is to protect policy holders in personal finances. the event of lawsuits. The umbrella pol- • Save a portion of your paycheck. Newfound freedom icy will provide additional coverage may tempt grads to go on spending sprees or indulge in a against bodily injury liability claims and Umbrella insurance offers an ex- few too many luxuries. Budgeting, which includes saving a property damage liability claims. These cess of liability coverage in the portion of your paycheck for the proverbial rainy day, can Recent graduates must take money management seri- policies also provide broader forms of event of lawsuits. set up a nest egg that will come in handy when unforseen ously to secure their financial futures. coverage and can help cover some legal expenses pop up. Grads who plan to move back in with their fees, if necessary. lion policy. What’s more, some insur- parents can save even more. Grads also can set up automatic • Protect against identity theft. Grads should keep careful Trusted Choice Independent Insur- ance companies will not issue an um- contributions to savings accounts so they are not tempted to track of their money and spending so they will know if they ance Agents says umbrella insurance brella policy unless the insured al- spend money lingering in their checking accounts. have been victimized by a security breach. Many people, and is important because it can prevent fi- ready has an automotive or home • Establish credit. Grads should begin establishing credit especially young people, live much of their lives online, mak- nancial ruin in the case of an accident. policy with them — and one that profiles as soon as possible. Open a low-interest credit card ac- ing them highly susceptible to identity theft if they are not The amount of umbrella coverage maintains the standard amount of lia- count and make payments on time, paying the balance in full careful. Grads should always be aware of money coming in a person may need depends on how bility in those other policies. whenever possible. A strong credit rating will be a significant and going out of their accounts while also making sure to much that person is worth. Prospec- When reviewing umbrella policies, financial asset in the years to come, influencing everything, in- never share sensitive information online. tive policy holders can calculate their it’s also wise to think ahead to future in- cluding a person’s ability to make big-ticket purchases such as • Pay off debt. Pay off high-interest debt first. Explore total assets and then take out policies come and how one’s assets may grow. cars and homes. consolidation when repaying student loans and examine in that amount or more to protect Adjust policies to account for inferred • Take advantage of employer-sponsored retirement options regarding income-based repayment, which ties their net worth. Depending on the in- earnings or other expected assets. plans. New grads may not be thinking about retirement, but monthly payment amounts to income levels rather than surance company, umbrella policies Learn more about umbrella policies the earlier adults begin saving for retirement, the more money total debt. range anywhere from $1 to $10 mil- that can offer above-and-beyond protec- they will have available to them when they do stop working. The future is just beginning for new graduates, and making lion. Coverage typically starts in the tion by speaking with a trusted insurance Take advantage of employer-sponsored retirement plans, such smart financial choices is a large part of the years ahead. range of $150 to $200 for a $1 mil- agent. MM16C607 as 401 (k) accounts. MM16C606

Metro Editorial Services ©2016 Metro Creative Graphic, Inc. All Rights Reserved 14 ALL PHOTOS are for EDITORIAL USE ONLY DECEMBER 2016 Traditional IRAs vs. Roth IRAs How to save enough for a down payment on a house Adequate retirement planning can set A home is the most costly thing termine how much they will need to put men and women up to enjoy their many people will ever buy. The down. For example, preapproval for a golden years however they see fit. Get- process of buying a home can be both $300,000 loan means buyers will have ting to retirement with enough money exciting and nerve-wracking. One to put down $60,000 to meet the 20 per- takes discipline and commitment and way to make the process of buying a cent down payment threshold. In that may require some sacrifices along the home go more smoothly is to save example, buyers can put down less than way. enough money to put down a substan- $60,000, but they will then have to pay “Retirement planning” is an um- tial down payment. PMI. It’s important for buyers to under- brella term that covers various types Saving for a down payment on a stand that a down payment is not the of financial products and investments. home is similar to saving for other only costs they will have to come up One of the products prospective in- items, only on a far grander scale. with when buying a home. Closing costs vestors are likely to hear about when Many financial planners and real es- and other fees will also need to be paid mulling their retirement investment tate professionals recommend by the buyers. options is an Individual Retirement prospective home buyers put down no • Examine monthly expenses. Once Account, or IRA. An IRA is a per- less than 20 percent of the total cost buyers learn how much mortgage they sonal retirement savings plan that can of the home they’re buying. Down will qualify for, they will then see provide tax benefits to those who payments short of 20 percent will re- how close they are to buying a home. qualify. When speaking with a finan- quire private mortgage insurance, or But prospective buyers of all means cial planner or exploring options on PMI. The cost of PMI depends on a can save more each month by exam- their own, prospective investors will host of variables, but is generally be- ining their monthly expenses and hear about Traditional IRAs and Roth tween 0.3 and 1.5 percent of the orig- looking for ways to save. Buyers can IRAs and wonder what distinguishes inal loan amount. While plenty of begin by looking over their recent one from the other. The following homeowners pay PMI, buyers who spending habits and then seeing breakdown can help investors under- can afford to put down 20 percent can where they can spend less. Cutting stand those differences with the hopes prospective account holders must save themselves a considerable back on luxuries and other unneces- of finding the best option for them. have earned income, such as wages, amount of money by doing so. within a year, they will need to save sary spending can help buyers get salaries or income from self-employ- Down payments on a home tend to be more each month, and those whose closer to buying their next home. Contributions ment. Men and women who do not substantial, but the following are a few existing savings fall far short of the • Avoid risky investments. Some Contributions to Traditional IRAs are work can still open an IRA, but only strategies prospective home buyers can 20 percent threshold may have to ac- times it’s great to take risks when invest- pre-tax, and they may be tax deductible if their spouse is employed and the employ to grow their savings with an cept paying PMI. ing, but risk should be avoided when depending on the account holder’s in- couple jointly files their tax return. eye toward making a down payment on • Prequalify for a mortgage. Before saving for a down payment on a home. come and other factors. Contributions to There also may be income limits their next home. buyers even look for their new homes, Traditional vehicles like certificates of Roth IRAs are made with post-tax in- depending on which type of IRA an • Decide when you want to buy. they should first sit down with a mort- deposit, or CDs, and savings accounts come and are not eligible for tax deduc- investor chooses. There are no income The first step to buying a home be- gage lender to determine how much a can ensure the money buyers are saving tions. limits attached to Traditional IRAs, gins when buyers save their first dol- mortgage they will qualify for. Prequal- for their homes is protected and not sub- but account holders’ ability to deduct lar for a down payment. Deciding ifying for a mortgage can make the ject to market fluctuations. Taxes on distributions contributions from their income may when to buy can help buyers develop home buying process a lot easier, and it Saving enough to make a down pay- While men and women about to be limited if their spouse is eligible to a saving strategy. If buyers decide also can give first-time buyers an idea of ment on a home can be accomplished if open an IRA likely won’t have to participate in an employer-sponsored they want to buy in five years away, how much they can spend. Once lenders buyers stay disciplined with regard to worry about distributions for quite retirement plan. There are income they will have more time to build prequalify prospective buyers, the buy- saving and make sound financial deci- some time, it’s important that prospec- limits associated with Roth IRAs. Ac- their savings. If buyers want to buy ers can then do the simple math to de- sions. MM16C616 tive account holders know that, ac- count holders’ adjusted growth in- cording to Prudential, Traditional IRA come must be below certain limits de- account holders will pay federal taxes pending on their tax filing status (i.e., on their account’s investment earnings filing single or filing jointly with a Did you know? and on pre-tax contributions when spouse). money is withdrawn. Roth IRA ac- Preparing meals at home remains the least expensive way to eat. The budgeting resource Cheapism.com com- count holders will not pay federal Distributions and age pared the costs of a classic chicken dinner — accounting for variables such as tip, food waste and family size — taxes on withdrawals, including their The Internal Revenue Service notes made at home and at a restaurant. The comparison determined that a home-cooked meal costs as much as 60 investment earnings, if they meet cer- that Traditional IRA account holders tain eligibility requirements. Prospec- must begin taking distributions by April percent less than a dinner out. A simple chicken dinner for one costs between $6 and $8 at home, takeout costs tive investors should know that there 1 following the year in which they more than $13 and dining out costs more than $15. The rates of savings are similar when accounting for paying 1 are tax penalties for account holders turned 70 ⁄2 years of age and by Decem- for a family of four. MM16C612 who withdraw money from their Tra- ber 31 in future years. No minimum dis- ditional or Roth IRAs before they tributions are required for Roth IRA ac- 1 reach age 59 ⁄2. Exceptions to that rule count holders. should be discussed with a tax or ac- Understanding the various types of counting professional. IRAs can be difficult. Prospective in- Strategies to repay student loans as quickly as possible vestors who need help navigating Income requirements their retirement planning should not Millions of people fund their college educations with stu- In order to open an IRA, whether hesitate to contact financial planning dent loans. Such loans can make it possible for students to at- it’s a Traditional or Roth IRA, professionals. MM16C617 tend the very best universities in the world, but they also can be burdensome when students graduate and face the unenvi- able task of repayment. Student loan debt figures are staggering. According to Did you know? Debt.org, student loan debt in the United States is roughly $1.2 trillion, while the Canadian Federation of Students re- According to Bank of America, a home equity line of credit, or HELOC, is a ports that education-related debt in Canada is more than $19 line of credit secured by a homeowner’s home. The HELOC is a revolving billion, a figure that reflects the cost of college tuition rising more than 137 percent in the last quarter century. The college credit line, which means it allows homeowners to borrow up to the credit resource website Cappex.com estimates that the average stu- limit amount and re-borrow in repeated transactions once the outstanding dent debt for members of the class of 2016 is $37,173, a jaw balance has been repaid. A HELOC may have a lower interest rate than dropping 6 percent increase from the average debt held by other types of loans, and BoA notes that interest paid on a HELOC is often members of the class of 2015 upon graduation. Paying down that debt can seem like a daunting task, but tax-deductible. Not every homeowner is eligible for a HELOC. To be eligi- recent grads need not fret that they will still be paying off stu- ble, homeowners must have available equity in their homes. That means dent loans when their own children are ready to enroll in col- • Establish short-term financial goals. Short-term finan- the amount they owe on their homes must be less than the value of the lege or university. The following are a few strategies college cial goals can motivate borrowers to maintain their financial grads may want to consider as they look for ways to pay off discipline, especially in those initial years after college when home. Before applying for a HELOC, homeowners should know that just their student loans as quickly as possible. many new graduates struggle with money management. Be because they were approved for a mortgage does not mean they will be • Create a monthly budget before the repayment period specific about goals, making sure to pick a target date to repay approved for a HELOC. Lenders will examine many of the same variables, begins. Monthly budgets are an essential element of sound fi- student loans in full. Grads who want to become homeowners including credit score, monthly income and employment history, when nancial planning, but grads should not wait until their repay- can work to achieve that goal before age 30. Once that goal ment period begins to develop their budgets. Even if the re- has been set, grads can research average home costs in their weighing whether or not to approve a HELOC. Homeowners whose em- payment grace period has just begun, grads should build at desired areas. Such information can motivate grads to pay off ployment situations have changed or whose credit scores have dipped may least the minimum required payment into their monthly budg- their student loans as quickly as possible so they can be on want to wait to apply for a HELOC until they can make their applications ets. Simply put the money into a savings account until the re- track to achieve their larger goal of buying a home in accor- payment period begins. Adjusting to repaying loans as early dance to their preestablished goal. more attractive. MM16C619 as possible can soften the blow once the repayment period ac- • Live with a roommate or roommates. Recent graduates tually begins. who landed their first professional job may feel living alone • Pay more than the minimum. Grads will have a rela- is the ultimate illustration of their financial independence. But tively brief grace period to start repaying their loans after living with a roommate or roommates can free up more money Looking for more features graduating. For those who are not going on to graduate or pro- for borrowers to put toward repaying their student loans. fessional school, that grace period may be six months. As the Roommates share utility and cable/internet bills, and room on financial planning? due date for that first payment draws near, grads will receive shares are often much less expensive than studio or one-bed- a letter from their lenders indicating their overall debt and room apartments. Many young professionals, especially those Search the cumulative Editorial Library their minimum monthly payment. Paying more than that min- moving to a new city for their first job, find living with room- imum monthly payment can help borrowers pay off their stu- mates after college is also a great way to develop or expand a of MetroCreativeConnection at dent loans far faster than simply paying the minimum each social network. month. Many homeowners employ this strategy with their Repaying student loans takes discipline, but that discipline www.metrocreativeconnection.com mortgages, and grads can do the same when repaying their is rewarded when loans are repaid long before reaching their student loans. maturity date. MM16C618

Metro Editorial Services ©2016 Metro Creative Graphic, Inc. All Rights Reserved 15 ALL PHOTOS are for EDITORIAL USE ONLY DECEMBER 2016 When renting can be a smart decision Conventional wisdom suggests buy- earnings increased a meager 0.3 per- ing a home makes more financial sense cent during the study period, median than renting. In many cases, this is true. house prices were up by 17 percent. However, renting is sometimes a Wages have not recovered from the smarter approach than buying. Great Recession as quickly as home As with any financial decision, all of prices have, and some people may the options and circumstances need to need to rent out of necessity. be weighed before jumping in. Making • A market shortage makes it a major purchase requires doing your harder to find an affordable home. homework. The following are some rea- The number of homes available for sale sons why renting can be more beneficial in many areas of the country has fallen than buying. below the number that realtors say is re- • You are young. The National As- quired for the market to be in balance. sociation of Realtors says the typical Therefore, even when a home becomes first-time home buyer is 31-years-old. available, demand drives the price up to People who are younger than that and where it may not be affordable or fis- uncertain about their futures should cally smart to purchase. In such in- not feel pressured into buying simply stances, renting may be the best option. Newly married couples should make every effort to be on the same page because it is presumed to be the second. The end result is the P/R ratio. • You don’t meet the buying crite- with regard to handling their finances. “adult” thing to do. Renting and feel- So if a home sells for $300,000, and ria. Don’t buy a home based on market ing your financial way, which can in- there is a house around the corner rent- conditions or pressure from others. In- clude seeing how a job pans out or ing for $1,200 a month, divide stead, buy when you’re financially where your budget lies after paying off $300,000 by $14,400 (the annual cost ready. This means being out of debt; Merging finances debts, might make more financial of renting). The ratio would be 20.8. A having between three and six months sense than buying. rent ratio above 20 means the cost of of expenses in an emergency fund; • The price-to-rent ratio is too high. home ownership will exceed the cost of enough cash for a 10 to 20 percent Buying may seem like a wise idea, but renting. The higher the P/R ratio, the down payment on a fixed mortgage; it could be causing you to spend more more sense it makes to rent instead of and when your mortgage payment will after getting married than necessary, particularly if you buy. be no more than 25 percent of your check the price-to-rent ratio and find • Home prices continue to rise. monthly take-home pay, according to Couples can spend months or even the wedding. If money is causing this type homes in your area are not fairly priced. Some people find themselves being financial expert Dave Ramsay. years planning their weddings. While of issue before the wedding, delaying the Figuring a P/R ratio includes finding priced out of certain neighborhoods or Renting can be a smart move in many planning a wedding requires lots of hard conversation until after tying the knot can two similar houses (or condos or apart- cities. RealtyTrac recently analyzed instances. Only when individuals are fi- work, couples may also want to give some be a big mistake. It’s better for couples to ments) where one is for sale and the median wage and home-price growth nancially and emotionally ready to buy thought to life beyond their wedding day. begin financial discussions and start other is for rent. Divide the sale price of between 2012 and 2014, ultimately should they begin searching for their One of the more important matters brainstorming long-term goals and plans the first place by the annual rent for the finding that, while the typical worker’s first homes. MM16C667 couples must consider is how to manage as soon as they get engaged. Don’t hide their finances once they tie the knot. Dis- negative financial information from a cussing money can be a tricky issue, par- prospective spouse. Being open and hon- ticularly when couples have long been est — even though it can be challenging Easy entertainment substitutions save money accustomed to handling their own ac- — is the best way to proceed. counts and being responsible for their Adopting a frugal lifestyle does not mean a person needs in the United States dropped pay TV packages in the sec- own income and expenditures. Bringing Deal with debt to forgo every luxury and live like a pauper. Becoming more ond quarter of 2016, according to the research firm SNL another party into the equation can com- Hiding debt is a big mistake. Discuss frugal may require taking inventory of one’s personal spend- Kagan. plicate matters, particularly when one debt early on and come up with a way ing and figuring out ways to conserve funds. spouse may not have the full picture of to pay it off together. The experts say, When examining their spending habits, many people are Take in local theater the other’s spending and saving habits. In like it or not, once you’re married, your surprised to learn they can cut costs in various areas. This People from all around the world flock to New York fact, the financial resource Bankrate.com spouse’s debts become your problem. includes expenses that pertain to entertainment and recre- City’s Broadway or London’s West End to enjoy live the- says some of the most common financial His or her credit score can impact your ation. The following are a handful of ways to cut entertain- ater. But many talented people perform closer to home and problems newly married couples en- ability to get credit as a couple. It’s best ment expenditures without making any major sacrifices. for more budget-friendly ticket prices. Community theater counter include overspending and man- to handle debt efficiently regardless of and local production houses often put on entertaining aging debt. who is responsible for the debt. Revisit television needs shows at a fraction of the cost of professional theater When deciding how to merge their fi- Leichtman Research Group annual survey of TV house- groups. In addition, local amateur musicians may be just nances, couples can experiment to see Decide who is the money manager holds found that cable costs increase considerably each year. as entertaining but far more budget-friendly than profes- what works best for them. It may take One person may be better or more or- Cable bills rose 30 percent from 2011 to 2015. That’s nearly sional acts. some trial and error before couples find ganized when it comes to paying bills. eight times the rate of inflation. Fortune magazine says the a solution that works for them, but it’s Whether you keep separate accounts or average monthly cable bill surpassed $100 in 2016. Cheer on nearby teams important that couples keep the lines of combine them, it is easier for one person One way to reduce television bills is to scale back on In lieu of attending costly professional sporting events, fans communication open and express a will- to take the lead and manage the finances your cable package. Cut premium channels and look for a can fill the stands at scholastic sporting events or at minor ingness to compromise with regard to from month to month. Money can fun- basic package of channels. Some people are cutting the league games. The thrill of the game will not be diminished managing money. The following are nel into a joint account specifically es- cable cord altogether, opting for just Internet service and just because the game isn’t nationally televised. Because such some additional tips for couples who tablished to pay bills. then subscribing to streaming options offered by Netflix, events boast affordable prices, the entire family can partake want to make the transition to sharing fi- Hulu, Sling, and other providers. More than 800,000 people in the fun. MM16C671 nances go as smoothly as possible. Develop a joint budget Not only do finances need to be Start the conversation early merged, but so, too, do lifestyles. Cou- According to a recent poll by the Na- ples must be on the same page regarding tional Foundation for Credit Counseling, their spending habits and keep luxury or Weekly meal plans may save money more than two-thirds of engaged couples personal expenditures in check. Work had negative attitudes about discussing out a budget and savings plan together. Meal plans provide a clever way to one shopping trip is more efficient and money with their soon-to-be spouses, Managing finances is a conversation save money on food. Knowing the meals can help to conserve fuel. with 5 percent saying even having the that newlyweds need to have as soon as that will be made and which ingredients When planning meals, try to use the conversation would cause them to call off possible. MM16C666 need to be purchased for these recipes most perishable items first. For exam- eliminates floundering and impulse pur- ple, prepare to use seafood, some dairy chases at the supermarket. items and fresh vegetables early in the Knowing exactly what to buy and week, and more durable foods, such as Did you know? when also can eliminate food waste and frozen, boxed or canned goods, later in When shopping for auto loans, prospective car buyers should limit their spoilage. According to research from the the week. loan shopping to a two-week period. Many auto buyers now shop for auto University of Pennsylvania, people who When buying foots at the store, buy can avoid impulse spending can save up proteins in bulk and subdivide them into loans separately from shopping for cars, first arranging financing via a to 23 percent on their grocery bills. smaller packages to save money. Prop- bank, credit union or other lender, and then beginning their search for Planning meals in advance can also erly repackage foods so they will not their next car or truck. While that can help buyers secure low interest rates provide a host of health benefits. When spoil or become freezer burned, leading and borrower-friendly loan terms, buyers should know that each time they meals are planned in advance, shoppers to waste. Other budget-conscious shop- have more control over the ingredients ping tips include trying store brands, apply for loans their credit scores dip. The lower a prospective borrower’s they choose and can tailor them to spe- building meal plans around items that credit score, the harder it becomes for that person to secure the best loan cific dietary needs or healthy eating are on sale that week and making use of rate. However, according to the online financial resource Bankrate.com, plans. coupons or coupon apps. Fortunately, time-pressed individuals Post a weekly meal plan on or near the applicants who can file all of their loan applications within a two-week pe- have a number of resources at their dis- refrigerator so items can be thawed and riod will only have those applications count as one credit inquiry. That posal to help them plan and shop for ingredients prepared as needed. Building means applicants’ credit scores will only fall once as opposed to several meals. A quick online search for weekly meals around slow cooker recipes also meal plans will yield many results, in- can help those who like to prep foods in times for prospective buyers who apply for loans sporadically over the cluding recipes and complementary the morning and then come home to com- course of several weeks or months. Potential borrowers also should know shopping lists. People also can down- moments on the weekend to think about pletely cooked meals. On busy nights, that once they have prequalified for loans and found a car or truck they load apps that help with meal planning which meals to make during the week arrange for fast meals, such as sand- want to buy, they can then present their loans terms to the dealership and to their smartphones. Such apps include ahead. Compare the necessary ingredi- wiches or one-pot creations. Yummly, Pepperplate and MealBoard, ents against those you may already have By planning meals in advance, home ask if the dealer can beat the terms, potentially saving them more money among others. in your pantry. The rest can be pur- cooks never have to stand in front of the over the life of the loan. MM16C669 Another way for individuals to plan chased and saved for subsequent meals. pantry wondering what to make. meals more effectively is to take a few Buying a week’s worth of groceries in MM16C668

Metro Editorial Services ©2016 Metro Creative Graphic, Inc. All Rights Reserved 16 ALL PHOTOS are for EDITORIAL USE ONLY DECEMBER 2016 Use these bonus Kids’ Corner as weekly items in regular editions or combine them to compose sections to reach the youth market. All items are also available individually, in color and black & white. KIDS’ CORNER (MCC Editorial Library /BONUS FEATURES & PUZZLES MENU: “kids corner”)

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Metro Editorial Services ©2016 Metro Creative Graphic, Inc. All Rights Reserved 17 DECEMBER 2016 Use these bonus crossword puzzles and horoscopes as weekly items in regular editions CROSSWORD PUZZLES with sponsorship or combine them to compose sections or extend existing sections. & HOROSCOPES (MCC Editorial Library /BONUS FEATURES MENU: “crosswords” or “horoscopes”)

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Crossword Puzzles are provided as pictured and as separate puzzle, solution and text files. HS16C100 HS16C300 Horoscopes are provided as weekly ASCII text files. For your convenience, a “Horoscopes” heading is also included.

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Metro Editorial Services ©2016 Metro Creative Graphic, Inc. All Rights Reserved 18 DECEMBER 2016 CRYPTO FUN/WORD SCRAMBLE/ Use these bonus weekly puzzles with sponsorship to entertain readers of all ages. (MCC Editorial Library /BONUS FEATURES MENU: “crypto fun,” GUESS WHO/WORD SEARCH “word scramble,” “guess who” or “word search”)

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Crypto Fun puzzles are provided as individual drop-in art elements, in color and black & white, as well as ASCII text.

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Metro Editorial Services ©2016 Metro Creative Graphic, Inc. All Rights Reserved 19 DECEMBER 2016 Use these bonus recipes as weekly features, to create seasonal recipe books, or to sell sponsorship to businesses that carry the recipe’s ingredients. RECIPES (MCC Editorial Library /BONUS FEATURES & PUZZLES MENU: “recipes”)

Try something new in the kitchen Trying new recipes is part of the joy of cooking for many amateur and even professional cooks and chefs. Oftentimes, fun can be had when trying foreign cuisine that’s not easily found at grocery stores or nearby restaurants. Those who want to try a taste of Vietnamese from the comforts of home can indulge in the following recipe for “Fried Glass Noodles with Fish or Eel (Mien Xao Luon)” from “Vietnamese Home Cooking” (Periplus) by Robert Carmack, Didier Corlou and Nguyen Thanh Van. Fried Glass Noodles with Fish or Eel (Mien Xao Luon) Serves 8 1 pound skinless fish or eel fillets (see note), finely diced 2 tablespoons fish sauce 1 ⁄2 teaspoon ground pepper 12 dried black mushrooms Leaves from 2 large sprigs Vietnamese mint (rau ram) or spearmint 1 bunch Chinese (flat/garlic) chives Fried Glass Noodles 1 1 6 ⁄2-ounce packet cellophane (bean thread) noodles with Fish or Eel About 1 cup vegetable oil for frying 2 onions, thinly sliced third of the fish and stir-fry until almost crisp, 3 to 5 minutes. 6 cloves garlic, crushed Transfer to paper towels to drain. 1 2 cups bean sprouts, rinsed and drained Reduce heat to medium, draining all but ⁄4 cup of the oil. 2 fresh long red chilies, seeded and cut into thin Add remaining fish plus marinade and mushrooms, and stir- strips fry for 3 minutes. Then add noodles and stir-fry for 2 minutes. 2 lemons, cut into wedges Finally, add chives, onion, garlic, bean sprouts, reserved fried Host a delicious holiday brunch Asian chili sauce for serving (optional) fish, and remaining marinade. Stir-fry for 1 minute and sprin- 1 Many people host friends and family ⁄4 cup finely chopped fresh kle with Vietnamese mint. Transfer to a serving plate and gar- during the holiday season. Holiday din- chives In a medium bowl, combine fish or eel, fish sauce and nish with the reserved crispy-fried fish and chilies. Serve with ners may garner the bulk of hosts’ atten- 2 tablespoons finely chopped pepper. Stir well and refrigerate until ready to use, at least lemon wedges, and chili sauce, if desired. tion, but overnight guests need to eat fresh Italian parsley 20 minutes. Note: This is a very old Hanoi recipe, and popular restau- breakfast and lunch as well. Brunch can Freshly ground black pepper Soak mushrooms in hot water for 20 minutes, then drain, rants there specialize in eel dishes. Sturgeon is probably the save hosts some work and give families squeezing to remove all liquid. Use scissors or a small knife closest in texture to eel, although tender catfish fillets, as well a great opportunity to break bread with- Bring a large pot of water to a boil. to cut tough stems; discard. Cut mushroom caps into small as oily garfish and smelt, can also be substituted. Spanish out some of the formalities that may ac- Add the farfalle and cook until al dice and set aside. mackerel is another option. company holiday dinners. This holiday dente, following the manufacturer’s Stack a few Vietnamese mint leaves together and roll tightly season, consider serving this ideal suggested cooking time. About 2 min- into a cylinder. Use a sharp knife to cut crosswise into thin To prepare cellophane noodles: 1 brunch recipe for “Farfalle with Crab- utes before the pasta is done, add the shreds. Repeat with remaining leaves. Cut chives into 1 ⁄2-inch 1. Immerse in very hot, but not boiling, water for exactly 1 meat, Asparagus, Scrambled Eggs, Gar- asparagus. pieces. minute and drain. A subsequent cold-water bath stops the lic, and Herbs” from Norman Kolpas’ Meanwhile, in a mixing bowl, beat Prepare noodles (see below). Using scissors, cut noodles to cooking process. “Buongiorno! Breakfast and Brunch, the eggs with a fork or whisk until manageable lengths for serving. 2. Use scissors to cut to the desired length. Italian Style” (Contemporary Books). slightly frothy. Set aside. Transfer fish to a plate, reserving marinade in a bowl, and 3. Cellophane noodles used directly from the packet can When the pasta and asparagus are pat fish dry with paper towels. Heat oil in a wok or large fry- also be deep-fried until crisp and used as a garnish. Farfalle with Crabmeat, done, drain and set aside. Immediately ing pan over medium-high heat until it shimmers. Add one- PC16C646 Asparagus, Scrambled Eggs, melt the butter in a large skillet over Garlic, and Herbs medium heat. Add the garlic and sauté Makes 4 to 6 servings until fragrant, about 1 minute. Add the pasta and asparagus and toss briefly to Simple meal tailor-made for busy families 1 pound farfalle coat them with the butter mixture. Pour 1 1 ⁄2 pound asparagus, trimmed in the eggs, add ⁄4 cup Parmesan and the Many families strive to eat dinner together every night, but 1 and sliced diagonally, ⁄4-inch cream, and stir and toss the mixture until family schedules tend to be hectic. Still, simple recipes can thick the eggs just have begun to form moist make it that much easier to routinely sit down to family meals 10 extra-large eggs curds, about 2 minutes. Add the crab- no matter how busy everyone’s lives become. 4 tablespoons unsalted butter meat, chives and parsley and continue While award-winning cookbook author Diana Henry ad- 1 garlic clove, minced cooking and tossing until the eggs have mits she’s never eaten the following recipe for “Turkish Baked 1 ⁄4 cup freshly grated Parmesan formed more solid curds that cling to the Eggplant with Chile, Feta and Mint” in Turkey, she insists that cheese, plus more for serving farfalle, 1 to 2 minutes more. lack of authenticity does nothing to affect the meal’s flavor. 2 tablespoons heavy cream Serve immediately, passing freshly This and many additional Henry recipes can be found in her 1 ⁄2 pound cooked lump crabmeat, grated Parmesan and black pepper for cookbook, “Pure Simple Cooking: Effortless Meals Every picked over to remove any bits guests to add to taste. Day” (Ten Speed Press). of shell or cartilage PC16C645 Turkish Baked Eggplant with Chile, Feta and Mint Serves 4 as a starter or side dish Top your toast with homemade spread 4 eggplants Olive oil Jams add considerable flavor to morn- heated to 180 F. Drain off liquor from Salt and pepper ing staples like toast, scones and short- the leaves. You should have 2 cups of 2 onions, thinly sliced bread. The following recipe for “Darjeel- brewed tea. 6 cloves garlic, thinly sliced ing Peach Conserve” from Robert Place all the ingredients except the 2 medium fresh red chiles, halved, seeded and thinly Wemischner and Diana Rosen’s “Cook- crystallized ginger into a heavy 3-quart sliced ing with Tea” (Periplus) is perfect for saucepan. Bring to a boil, skimming fre- 1 Juice of ⁄2 lemon people who love the taste of peaches. quently during the first few minutes of 4 ounces feta cheese, crumbled cooking. 3 ⁄4 cup Greek-style yogurt Darjeeling Peach Conserve Reduce heat and cook just until the 1 1 handful of fresh mint leaves, torn Yields about 1 ⁄2 quarts mixture coats the spoon then flows off Extra virgin olive oil slowly, about 15 minutes. The sauce 2 teaspoons loose-leaf Darjeeling should have the appearance of a very 1. Preheat the oven to 400 F. Halve the eggplants lengthwise tea thin syrup. and then score a diamond pattern into the flesh of each half 16 ounces water Add the crystallized ginger. Cook for on the cut surface, being careful not to cut all the way through. 4 pounds fresh peaches, peeled, about 15 minutes, stirring frequently. Pour about 10 tablespoons of olive oil over them and season plate, cut-side up, and squeeze lemon juice over them. Gently pitted and roughly chopped This mixture will not appear thick when with salt and pepper. Turn them over to make sure they are press the cooked flesh down to make a bit of room for the (see note) hot, but does set some when cool. It is well coated. Roast for 40 to 45 minutes. onions. Fill the eggplant cavities with the onion and sprinkle 2 pounds granulated white sugar not designed to be as firm as commer- 1 1 2. While the eggplants are cooking, sauté the onions in ⁄4 the feta on top. ⁄2 cup chopped crystallized ginger cially-made jams. cup olive oil until soft and golden. Add the garlic and chiles 4. Daub the yogurt over the eggplants and throw on the mint Note: If using canned peaches, drain and cook for another 2 minutes, until they are soft as well. leaves. Drizzle extra virgin olive oil over the top before serving. Steep 2 teaspoons of tea leaves for well; if using frozen peaches, defrost 3. When the eggplants are tender, put them on a serving You can serve this warm or at room temperature. PC16C647 3 minutes in 16 ounces of water thoroughly and drain well. PC16C648

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Metro Editorial Services ©2016 Metro Creative Graphic, Inc. All Rights Reserved 21 DECEMBER 2016 Give these ready-to-sell layouts to your sales team for an immediate revenue opportunity. Each month you can subsitute copy to sell them as campaigns for multiple runs. (MCC Creative Library /AD TYPE: “MultipleAdvertiser”)

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Metro Editorial Services ©2016 Metro Creative Graphic, Inc. All Rights Reserved 22 DECEMBER 2016