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Set and Stick to Your Holiday Budget

November 21, 2017MBEhleAdvice, Holidays, Saving, Shopping

The chance to give gifts and spend time with loved ones makes the holiday season a special time of year. But for many people, the holiday season often leads to overspending.

A 2016 survey from the American Research Group found that American shoppers anticipated spending an average of $930 on gifts that holiday season. Data from T. Rowe Price confirms that parents are spending between $400 and $500 per child each year. In 2015, CPA Canada conducted a random phone survey of 1,004 adult Canadians and found the average adult planned to spend $766 on holiday gifts.

Although these numbers can reflect an overwhelming sense of generosity, many times excessive spending is based on a desire to outdo gifting from the year prior – sometimes at the risk of personal finances. Some people are taking drastic measures to make holidays over-the-top, with some delving into emergency savings while others withdraw prematurely from retirement accounts. Budgeting for the holiday season can help shoppers keep their finances in check.

Determine spending patterns

An examination of receipts and spending habits from previous holiday seasons can help individuals establish budgets for the current year. Make a list of all expenses – even the ones that extend beyond holiday giving. These may include expenses such as gym service fees, homeowner’s insurance, traveling expenses, gift exchanges at work, and more. Extra costs can add up and should be factored into holiday budgets.

Try to recall if your spending last year felt comfortable or if you were paying off credit cards long after the holiday season had ended. If it’s the latter, resolve to make adjustments.

Establish a budget that fits

There is no such thing as a one-size-fits-all budget. Figure out if there is extra money this season or if times are tight. This will help you plan accordingly and avoid overspending. Shifting priorities can help free up some cash. If children are interested in this year’s hot (and likely expensive) gift, cut back on holiday travel or entertaining. Instead of buying gifts for coworkers, buy a drink during a night out.

Use the holidays as an opportunity to sell

Collectibles, gently used toys, video games, action figures – all of these items may be collecting dust at your home, but they might be coveted by other shoppers. Rely on the season for spending to make some extra income that can be cashed in for your own holiday purchases.

Set up an account and track spending

Establish a separate account strictly for holiday spending. This can include a credit card only used for gifts and entertaining or a savings account at a bank or credit union. You won’t know what is going out of your account unless you keep careful tabs on it. Tracking spending is the biggest key to sticking with a budget, according to the financial advice group The Balance.

Holiday budgeting can be challenging. But with some effort, it is possible to avoid debt and still enjoy a happy holiday season.

Gifts for Avid Hunters, Anglers & Outdoorsmen

November 14, 2017MBEhleHolidays, Hunting, Outdoors

The U.S. Fish & Wildlife Services’ 2011 National Survey of Fishing, Hunting and Wildlife-Associated Recreation unveiled that more than 90 million United States residents aged 16 or older participated in some sort of wildlife-related activity that year – the most recent year on record. Wildlife recreationists spend nearly $150 billion per year on their activities. With this in mind, those who have hunters, anglers or outdoorsmen on their holiday shopping lists may find that gifts facilitating these specific pursuits can be the ideal fit this holiday season.

Rather than scouring the mall for hours, a visit to the nearest sports outfitter can yield a bevy of appropriate gift ideas. For some inspiration, consider these gifts for the outdoor enthusiast.

· Binoculars: Scoping out territory and looking for game is often part of the hunt. A set of durable new binoculars can give hunters an edge.

· Heated shoe insoles: Hunting and fishing often require long wait periods – sometimes in chilly weather. Heated shoe insoles and hand warmers can keep outdoorsmen warm.

· GPS/digital watch: Although many smartphones tell time and offer GPS services, lightweight watches may be more convenient than phones. For example, the Garmin Fenex Watch is waterproof and offers such functions as GPS, an altimeter, barometer and a digital compass.

· All-season tent: Camping out is not just a summer activity. A tent that is rated to withstand various temperatures and conditions can be an asset.

· Waders: Anglers sometimes need to get up close and personal with their prey. A sturdy pair of breathable waders is ideal for those who venture out of the boat or off of the coast.

· Wool socks: They may be a basic item, but hikers, hunters and other sports people can’t stock up enough on warm, sweat-wicking wool socks that will keep their feet comfortable and dry on all excursions.

· Folding knife: Knives are ideal for cutting fishing line, twigs for a campfire and much more. A sturdy, quality knife that fits easily in a pocket or backpack is a must-have for hunters, campers and anglers.

· Water-resistant pouch: A day on the boat or near the water requires gear that can get wet without soiling items stored inside. Choose a pouch that can fit a camera, keys, phone, and other necessities.

· Climbing stand: Hunters frequently spend time up in the trees to get a better view of oncoming game. Stationary tree stands may remain for the season, but lightweight offerings fold and can be transported from area to area.

Various Ways You Can Put Pumpkins to Use

November 3, 2017MBEhleAdvice, Autumn, DIY

Few items signal the fall harvest season more than the bright, orange pumpkins that dot fields and liven up displays outside of homes and businesses. Come fall, many pumpkins are turned into grinning jack-o-lanterns just in time for Halloween. But there are many other uses for pumpkins as well.

Pumpkins are believed to have originated in North America. Early Native Americans relied on pumpkins as a source of food that helped them survive long winters. Pumpkins could be roasted, baked, boiled, and dried, and they were eaten and used as medicine. Pumpkin blossoms were added to stews. The shells of the pumpkins could be dried and used as eating and storage vessels.

While pumpkins may now be symbolic of Halloween, the following are a handful of additional ways this versatile fruit can be put to use.

Beauty regimen

Pumpkins contain a number of essential vitamins and minerals that can help replenish the skin. Pumpkin purée can be mixed with honey, aloe vera gel, olive oil, and a bit of cornmeal to create an exfoliating mask for the face or body. Pumpkin also can be used to rejuvenate dry or tired skin from cold weather.

Honey, pumpkin and yogurt can be mixed together and used to condition hair. Let the mixture sit for 15 to 20 minutes, and then wash it out and shampoo.

Foods and beverages

Pumpkin purée is the basis for many tasty, pumpkin-infused treats. Purée can be used in pies, cakes, muffins, breads, and many additional foods. Pumpkin purée also may be found in certain beverages, such as smoothies and shakes. A bit of spiced purée may appear as flavoring in teas and coffees.

Roasted pumpkin seeds make a healthy treat. Foodies suggest using the seeds from “sugar pumpkins” or the ones best for making pies. Boil the seeds for a few minutes before draining. Spray a baking sheet with non-stick spray and put the seeds in a single layer. Bake at 400 F for 20 minutes. Allow to cool and serve.

Pumpkin wines and beers are popular as well. There are many recipes for developing sweet, fermented beverages, which tend to be especially popular in the fall.

The “guts” of the pumpkin can be simmered along with aromatics and other vegetables to create a vegetable stock perfect for soups and broths.

Decorations

Pumpkins can also add to one’s home décor during the fall. Pumpkins can be carved for Halloween displays, hollowed-out to hold tealights or simply left on tables and used as centerpieces. Larger pumpkins may be used as natural flower pots for mums or other seasonal floral displays. As the Native Americans once did, pumpkins can be hollowed-out and used as bowls to serve favorite soups and dips.

Use a hollowed, small pumpkin as a natural aromatic candle holder. Cut holes in the sides to vent the exhaust. Rub aromatic spices, such as cloves, nutmeg, allspice, cinnamon, and vanilla bean, on the inside of the pumpkin. Insert a beeswax candle in the bottom of the pumpkin and let it send inviting aromas into the air.

Pumpkins are a versatile fruit that can serve many purposes beyond just jack-o-lanterns and pies.

Improve Visibility While Trick-Or-Treating (And Other Safety Tips)

October 31, 2017MBEhleHalloween, Holidays, Safety

Thousands of costume-clad children will embark on treat-finding missions in neighborhoods all across the country this Halloween. Everyone wants their Halloween festivities to be fun, but it is important that trick-or-treaters and their chaperones prioritize safety as well.

The child welfare organization Safe Kids says that twice as many child pedestrians are killed while walking on Halloween compared to other days of the year. In addition, the National Safety Council states that darting out or running into the road accounts for about 70 percent of pedestrian deaths or injuries among children between the ages of five and nine and about 47 percent of incidents for kids between the ages of 10 and 14.

Ensuring trick-or-treating youngsters are visible to motorists can make Halloween safer for everyone involved. The American Academy of Pediatrics and other safety groups suggest the following strategies for safe trick-or-treating.

· Supervise the festivities. Adults should chaperone young trick-or-treaters who are unlikely to be focused on safety in the midst of Halloween excitement.

· Use reflective tape or LED lights. Dark costumes coupled with twilight can make it difficult for motorists to see trick-or-treating youngsters. Parents can improve the chances of their kids being seen by motorists by adhering reflective tape onto kids’ costumes. Glow sticks and wearable LED lights also can illuminate trick-or-treaters.

· Carry lanterns or flashlights. Children and/or chaperones who carry flashlights and lanterns can improve their own visibility while also making themselves more visible to motorists. Lanterns and flashlights help trick-or-treaters avoid holes, cracked pavement and other obstacles. For those children who want to free up their hands for better treat gathering, lights that strap to the head are an option.

· Keep the lights on. Homeowners can do their part by keeping outdoor flood lights and accent lighting on to make paths safer for youngsters on the prowl for Halloween candy.

· Choose face makeup over masks. Children wearing masks may not spot oncoming cars or other hazards. Face makeup won’t affect kids’ visibility but will still help them look scary.

With the right combination of caution and fun, Halloween can be an enjoyable time for youngsters and adults.

Throw a Hauntingly Good Halloween Party

October 27, 2017MBEhleHalloween, Holidays

Halloween is a special day that delights children of all ages and helps adults feel like kids at heart. Few people want the fun to end once trick-or-treating is over. By throwing a Halloween party, revelers can continue celebrating well into the evening.

When hosting a Halloween party, it helps to determine who will be in attendance before making any plans. Parties that include children should be PG in nature, and hosts should find the right balance between scary and fun. While you want to have a certain measure of the macabre, make sure you don’t send young guests home with nightmares. Reserve gruesome decorations and details for adult-only parties.

Halloween parties do not necessarily need to be ghoulish to be fun. Try a glittery gala masquerade party or decorate exclusively in orange and black. Classically eerie parties may feature ravens and crows, or they can be subtly spooky with red candles and heavy curtains.

Many people can’t wait to dress up for a Halloween party, even picking out their costumes months in advance. Still, not everyone feels comfortable donning a costume. To welcome all guests, don’t make costumes mandatory. One way around this is to set up a Halloween Disguise Table full of accessories that anyone can borrow and use to alter their appearance. Goofy glasses, strange hats, adhesive mustaches, or masks can be fun. If someone didn’t feel comfortable dressing in full costume, he or she may be more apt to pop in a set of plastic fangs or put on a spinning bow tie.

Food is an integral part of any party and can enhance Halloween soirées. Candy is a pivotal component of Halloween and you can play off that theme at your party. Set up a candy bar full of appropriately hued candies of all shapes and sizes. Put them on display in clear glass or plastic canisters so they add to your Halloween décor.

Some people like to get creative with Halloween cuisine, crafting foods into items that may look like parts of the body or other symbols of the holiday. Cookie cutters can turn sandwiches, desserts, biscuits, and many other foods into different shapes. However, foods also can be made a tad more spooky simply by renaming them or presenting them in interesting containers. Why not serve punch out of a fish aquarium? Other beverages can be housed in jugs or old bottles and labeled “potions.” Use laboratory instruments, such as petri dishes, vials and beakers, to serve snacks.

A Halloween party makes for a fun night, and there is no limit to what hosts can do when planning their scary soirées.

Halloween Pumpkin-Carving Pointers

October 19, 2017MBEhleAdvice, Autumn, Halloween, Holidays, Seasonal

Transforming pumpkins into cleverly carved creations is a Halloween tradition. Each October, glowing pumpkins take up residence near doorsteps and porches, adding to the magical ambiance of the season. Young and old spend time designing their themes and then taking knife to pumpkin to achieve the desired effects.

Carving pumpkins into jack-o’-lanterns can be traced back centuries to Ireland and a story about “Stingy Jack.” The tale involves Jack outwitting the Devil twice, the second time freeing the Devil from a prank in exchange for the promise that he would not claim Jack’s soul should Jack die. When Jack did die, God did not want the unsavory character in heaven, but the Devil could not claim Jack for hell. Therefore, Jack was relegated to roam the planet indefinitely with only a burning coal to light his way. Jack put that coal into a carved-out turnip. His ghostly figure was referred to as “Jack of the Lantern.” Later on it was shortened to “Jack O’Lantern.” When Irish immigrants arrived in North America, turnips weren’t plentiful, so jack-o’-lanterns were instead carved into pumpkins.

Today, many people carve jack-o’-lanterns, with some featuring just smiling or grimacing faces while others are far more artistic creations. These tips can help anyone carve a pumpkin.

· Begin with a fresh pumpkin. Look for a pumpkin with a green stem. If the pumpkin has been sitting around for too long or has been handled too much, the stem can get brittle and/or fall off. A thick, fresh pumpkin is best for carving.

· Plan your ideas. Draw a plan for your pumpkin before you make your first cut. Then transfer that design to the pumpkin with pen or a thin marker. Pumpkin-carving kits come with designs that can be “traced” by poking small holes to create the outline of the design.

· Don’t cut all the way through. Many professional pumpkin artists do not actually cut clear through the flesh of the pumpkin. They carve and shave off layers of the outer rind until it becomes more translucent. The level of transparency can be adjusted based on how much skin is removed and as a way to add texture and shadowing. The more air that is allowed to penetrate the pumpkin, the faster it will start to degrade.

· Delay carving until the last minute. Wait until the day before Halloween to begin carving. Pumpkins are a perishable item, and they’ll begin to rot as soon as you begin carving. Spritzing them with water can help them stay fresh, but there’s no turning back the clock once the first cut is made.

· Cut a hole in the back. According to Brooklyn-based Maniac Pumpkin Carvers, cutting off the top of the pumpkin can affect its structural integrity and cause it to rot faster. Instead, cut a hole in the back of the pumpkin and use an electric light to illuminate it. LEDs are advisable because they don’t generate much heat, which can cook and rot the pumpkin from the inside out.

With some creativity and a little know-how, anyone can create an eye-catching jack-o’-lantern.

Plan Your Fall Foliage Excursion

October 12, 2017MBEhleAdvice, Autumn, Lifestyle, Seasonal

Autumn means different things to many people. Students may embrace the dawn of a new school year, while others might embrace the crisp weather after a season of heat. One of the more widely enjoyed aspects of autumn is the chance to take in the brilliant foliage.

Although New England may be renowned for its bright, orange, red and yellow panoramas, dazzling displays of foliage can be witnessed anywhere temperatures descend enough for deciduous trees to shed their leaves.

The first step to a successful fall foliage excursion is to find the right spot. The Catskill and Adirondack Mountains of New York, Amish Country in Pennsylvania, the Great Lakes from Michigan to Ohio, and many other areas can be great places to witness nature at its most colorful. To make the most of fall foliage road trips, drivers can keep the following suggestions in mind.

· Get off the highway. To see great fall vistas, take a detour from major thoroughfares and visit small towns and mountain passes. Invest in some maps, as cellular networks may be inaccessible in remote locales.

· Avoid tourist-heavy areas. Drivers may prefer less crowded roadways to accompany the great scenery. Such drivers should visit areas that are not tourist meccas. Any area that plays home to forests and sprawling landscapes will do.

· Go on foot. To get the best photos, head out at sunrise or sunset. Soft, golden light dappled by leaves will bring out the golden tones in photos. Going on foot will help you discover the nuances of the season and slow down for a change.

· Don’t overlook overcast days. Traveling in the rain may not be fun, but overcast days might be ideal. On such days, the sun won’t be too warm and drown out the colors.

· Bring along binoculars. Wildlife is often mobile and abundant in the fall, as animals scurry to feed and gather supplies before the winter. As a result, autumn is a great time to spot wildlife that’s normally hiding in thickets and woodland areas.

· Plan for stops along the way. Don’t forget to bring some spending money in the form of cash so that you can enjoy the small farm stands and shops that often dot rural landscapes. Pick up farm-fresh produce or choose a plump pumpkin. Yard sales also are abundant this time of year. Small shops may not take credit cards, so if you plan to buy, cash is king.

Trees begin shedding their leaves as early as the beginning of September in Canada and the northern United States. As the days press on, the fall finery will gradually shift southward. For those who can afford to take a weekday off, do so, as weekends might be overcome with fellow nature enthusiasts.

Enjoy An Eco-Friendly Autumn

October 10, 2017MBEhleAdvice, Autumn, Seasonal

Autumn arrives with cool breezes, awe-inspiring foliage and the hint of holidays on the horizon. Fall is a favorite time of year for many people because the crisp weather motivates people of all ages to enjoy the great outdoors.

Individuals conscious of their carbon footprints can use fall as a time to take inventory of their behaviors and make changes where necessary. The following are some steps to take right now that fit perfectly with the harvest season.

· Shop at a local farm stand. Take advantage of the many roadside stands that crop up this time of year where you can find bushels of apples, pumpkins, gourds, and late-summer vegetables. After a day of sightseeing, visit a farm stand for warm cider and freshly baked doughnuts. Buying local produce reduces reliance on foreign-shipped foods and other products, while also cutting back on the fuel consumed to get foods from the farm to the table.

· Use nature to decorate. Skip plastic, mass-produced decorations and rely on nature to dress up your home. Fill vases with leaves and berries. Place small pumpkins on mantles, and enrich the landscape of your home with vibrantly hued mums and other cool-weather plants. Corn husks and stalks can add harvest flair to front porches. Twigs nestled and tied together can make interesting table centerpieces.

· Create a composting pile. Outdoor chores are easier in cool weather than they are when the mercury rises. Set aside a place in the yard for composting. A healthy compost pile should have roughly two-thirds carbon (brown) materials and one-third nitrogen (green) materials, says EarthEasy.com. Use those lawn clippings and raked leaves to make compost for spring plantings.

· Visit a corn maze. After corn has been harvested, farm owners often use their land for supplemental income. Corn mazes can be simple or complex depending on visitors’ ages. Engage in family bonding outside and turn off electronics in the process.

· Bake your own pie. After a fun-filled day picking apples at a nearby orchard, head home and use those locally sourced apples to whip up a delicious pie.

· Recycle old clothes to dress your scarecrow. Clothing that is not worthy of donation can be transformed into a festive scarecrow just in time for Halloween hijinks. Fill out the body of the scarecrow with newspaper and then add some pieces of straw around the neck, hands and feet.

· Host a football party. Watch the game on television or have a pickup game in the yard. Serve finger foods to cut down on the need for plastic or paper plates and flatware. Purchase a keg of beer from a local brewery to eliminate individual beer cans and bottles. Set out a nonalcoholic punch bowl so the kids can enjoy refreshments, too.

Autumn can be a great time of year to embrace some eco-friendly practices.

Satisfy With A Simple, Spicy Appetizer

September 29, 2017MBEhleDIY, Holidays, Recipes

Hosting often involves serving food, and the following recipe for “Spicy Cheese Balls” from A.J. Rathbun’s “Party Snacks!” (Harvard Common Press) is sure to please hosts who want to serve their guests an hors d’oeuvre that’s simple but spicy.

Spicy Cheese Balls (Makes 35 to 40 bite-size balls)

1 8-ounce package cream cheese, at room temperature
1 cup grated sharp cheddar cheese
1 teaspoon minced garlic
1 tablespoon chopped fresh parsley
1 teaspoon cayenne pepper
1 teaspoon freshly ground black pepper
1/2 teaspoon kosher salt
1 cup finely chopped walnuts

1. Put the cream cheese, cheddar, garlic, parsley, cayenne, black pepper, and salt in a food processor. Process for 5 to 10 seconds, until well blended. Scrape the mixture into a bowl, cover, and refrigerate for 1 hour.

2. Spread the chopped walnuts on a plate. Shape the cheese mixture into 35 to 40 small cheese balls, each about the size of a large marble. Roll each cheese ball in the walnuts, coating the outside (you may to press a little to ensure sticking).

3. Serve the cheese balls on a large platter. You can put a toothpick in each ball, but you could also surround them with crackers and let guests use their hands. It all depends on what kind of party you’re having.

Set and Stick to Your Holiday Budget

September 26, 2017MBEhleAdvice, Holidays, Saving, Seasonal

The chance to give gifts and spend time with loved ones makes the holiday season a special time of year. But for many people, the holiday season often leads to overspending.

Determine spending patterns

Try to recall if your spending last year felt comfortable or if you were paying off credit cards long after the holiday season had ended. If it’s the latter, resolve to make adjustments.

Establish a budget that fits

Use the holidays as an opportunity to sell

Set up an account and track spending

Holiday budgeting can be challenging. But with some effort, it is possible to avoid debt and still enjoy a happy holiday season.

Determine spending patterns

Establish a budget that fits

Use the holidays as an opportunity to sell

Set up an account and track spending

Beauty regimen

Foods and beverages

Decorations

Roofing Supply Store

Hardware Store