Tag: hagerstown

Experience Gifts Are Out-of-the-Box Exciting

December 7, 2017MBEhleAdvice, Holidays, Shopping

The holidays are a season for decorating, entertaining and, of course, figuring out what to get all of the special people on gift lists. Instead of navigating crowded stores to find a gift that may just take up space in their loved ones’ closets, more and more people are giving the gift of an experience.

According to Dr. Thomas Gilovich, a professor of psychology at Cornell University, new belongings will only be exciting at first, but then people adapt to them. If shoppers’ goals are to prolong those feelings of excitement, then personal experiences can be more effective than material goods.

When shopping for those who seemingly have everything, a gift of an experience may be a smarter choice, especially if the experience is something the recipient may never have done before or wouldn’t think to get for him or herself. For those who need a little inspiration, the following are some ways to treat loved ones to special experiences.

· Wine tasting: Find a local winery that offers tours and other wine-tasting experiences. Many areas of the country not particularly known as meccas for wine are still homes to local wineries. Treat a loved one to a day at a nearby winery or vineyard, bringing along some snacks, such as bread and cheese, to pair with the wines.

· Fitness class party: Enable fitness enthusiasts to try out new and trendy exercise classes by giving the gift of a class or membership. Consider tagging along to a class so the recipient doesn’t have to go it alone.

· Head in the clouds: Book a trip aboard a sight-seeing plane, balloon or helicopter for the high-flying thrill-seeker on your holiday shopping list. Contact a nearby airport or sightseeing company to find out what is available. Some tours circle national monuments and points of interests, providing more bang for the buck.

· Action and adventure: There’s adventure to be had on land as well. Racing fans can sit behind the wheel of a race car and lap the racetrack like their favorite NASCAR® stars. Those who prefer getting a little wet with their wild may enjoy a whitewater rafting excursion.

· The choice is theirs: If you’re stuck on what to get, let recipients choose their own experience. Companies like Cloud 9 Living enable individuals to choose their experiences from a wide variety of options.

Giving experiences can equal a year of entertaining and enjoyable memories for gift recipients.

Travel Gifts for the Holiday Season

December 5, 2017MBEhleAdvice, Holidays, Shopping

Vacations create memories that last a lifetime. But across North America, surveys indicate that fewer people are cashing in on all of their vacation days. Some may be too busy to travel as much as they would like, while others might not be able to afford to travel. A gift of travel removes much of the expense of traveling and can serve as a catalyst one needs to go and explore.

Escaping to warm climates can be just what the doctor ordered when winter weather sets in at home. Although that first snowfall can make for a picturesque holiday season, there’s a good chance that after several storms and navigating icy roads, a getaway to sunshine and sand can help beat winter blues. When gifting travel this year, consider these great places to travel in January and February.

· Anguilla: Anguilla is a British territory in the Eastern Caribbean, just east of the British and U.S. Virgin Islands. It’s known for its long sandy stretches of beach and pleasant winter temperatures, which average 83 F. There isn’t much hustle and bustle, so this island destination can be the ideal place for relaxation.

· Australia and New Zealand: January and February are summer months in the southern hemisphere. These vibrant countries offer everything from costal charm to remote plains.

· Costa Rica: An abundance of wildlife, unspoiled beaches and rain forests draw visitors to this Central American locale. Travelers can hike active volcanoes or surf warm turquoise waters. The “dry season” arrives in December along with moderate temperatures.

· Honolulu: The weather in Hawaii tends to be beautiful year-round, but February can be an especially good time to travel to this U.S. island chain. Travel & Leisure says that hotels often slash their rates by up to 40 percent in February. This makes it much more affordable to gift a stay in Honolulu.

· Orlando: While holiday crowds peak in November and December, visiting Orlando and its main attraction, Disney World, is much easier when the crowds thin out in January and February. The slower season means affordable hotel rates and shorter lines for attractions.

· Montreal: Those who don’t want to escape the snow but embrace it might find a vacation in Montreal a welcome diversion. This cultured city offers Old World charm plus modern amenities.

· Puerto Rico: American travelers can vacation in Puerto Rico without needing travel visas or passports. While all of Puerto Rico is a sight to be seen, the capital of San Juan has thriving arts and culture.

· St. Martin: Also known as St. Maarten, this paradise offers two different cultures for the price of one. The island shares French and Dutch territory status. Visitors who like to eat well and party into the morning often find St. Martin an ideal destination.

Gifting plane tickets, hotel reservations or upgraded meal plans can make winter vacations that much more enjoyable.

Safety Measures for Winter Drivers

November 30, 2017MBEhleAdvice, Safety, Winter

Winter weather causes many people to retreat indoors until the spring thaw. However, for those who embrace the cooler temperatures or find that life must go on despite snow and ice, taking inventory of their vehicles is a must before the first snowflakes start to fall.

Tire care is an especially important area of vehicle maintenance. The tire experts at Michelin say that regular tires may be ineffective for winter driving. Summer tires are made from materials that are optimized for warm conditions. When the mercury drops, these same materials can harden, reducing their ability to grip the road. That lack of traction can be compounded by the presence of snow or ice. Even all-season tires, which are designed to be driven year-round, can be insufficient in severe weather conditions. Winter tires can help drivers safely navigate winter roadways.

Bridgestone Tires says that having the right snow tires matters when driving in winter weather conditions. It’s important to look for tires that can disperse water sufficiently and also grip the road. Snow tires are designed to remain softer and more flexible to conform to the road better in cold conditions. Some winter tires are even studded to provide better traction.

Unfortunately, even the best winter tires cannot provide perfect traction on slippery roadways. That is why it is essential – in conjunction with the use of winter tires or snow chains – to modify driving techniques to navigate safely.

· Drive slowly. Slow down on winter roads. Allow a greater distance for stopping than for dry conditions. Slippery conditions can make it more challenging to stop, and excessive speeds can make the situation worse.

· Shift into low gear. On hills, rely on low gears to maximize traction to travel up and down hills. This can minimize skids or sliding.

· Get the vehicle a tuneup. In addition to tires, be sure the braking system, battery and other major components of the vehicle are in good working order.

· Replace windshield wipers. Reduced visibility can compromise the safety of

drivers and their passengers. Replace windshield wiper blades before winter arrives. Consider purchasing winter-rated windshield blades.

· Know how to recover from a skid. When skids occur on black ice or slush, drivers should take their feet off of the pedals and steer gently in the direction they want to go. As the vehicle regains traction, only then should the brakes or accelerator be applied.

Winter weather requires making some vehicle modifications, and drivers may want to alter the way they drive to be more safe on the road.

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.

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.

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.

How Being An Early Bird Can Benefit Holiday Shoppers

October 5, 2017MBEhleAdvice, Holidays, Shopping

Come the end of the often hectic holiday shopping season, many people resolve to begin shopping earlier in the following year. While such resolutions can be hard to keep, shoppers would be wise to consider the myriad ways they can benefit by starting their holiday shopping earlier than they’re typically accustomed to doing.

Deals

The more time shoppers give themselves to find gifts for their loved ones, the more time they have to comparison shop and find the best deals. Retailers often offer steep discounts during the holiday season, but such deals may pale in comparison to those that can be had throughout the rest of the year. Holiday shoppers who begin shopping early can always skip buying in late summer or autumn if they think better deals can be had once the holiday season begins.

Shipping

By shopping early, shoppers can choose the least expensive shipping option offered by online retailers, potentially saving substantial amounts of money as a result. In addition, shoppers who start early won’t have to worry about items failing to arrive on time, a common source of stress for last-minute holiday shoppers.

Credit score

Another advantage to shopping early for holiday gifts is it allows consumers to protect their credit scores by spreading their spending out over several months instead of doing so in the handful of weeks between Thanksgiving and Christmas. In a survey examining debt associated with the holiday season, MagnifyMoney found that the average holiday debt in 2016 was slightly more than $1,000. Credit card debt can negatively affect consumers’ credit scores, especially if balances are not paid in full when bills are due. Shoppers can avoid such situations entirely by shopping early using only disposable income to make purchases instead of credit cards. Such financial flexibility may not be possible for shoppers who wait until the holiday season has begun to start shopping.

Time

Shoppers can save more than money by starting their holiday shopping in advance of the holiday season. In spite of the popularity of online shopping, many people still visit traditional brick and mortar retailers to do their present buying. Such stores can be overwhelmed with shoppers between Thanksgiving and Christmas, leading to long lines and lengthy searches for parking. Shoppers are far less likely to encounter big crowds and crowded parking lots if they get their shopping done before the dawn of the holiday season, saving themselves substantial amounts of time as a result.

Shoppers who commit to getting their holiday shopping done early can save money and time and protect their financial reputations as well.

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.

Make a Household Favorite More Healthy

September 22, 2017MBEhleFood, Recipes

Many beloved dishes might be enjoyed more often if they were only a little healthier. Author and former personal chef Michelle Dudash was once asked by a client if the she could make a healthier version of chicken parmesan. The result of that request is the following recipe for “Skinny Chicken Parmesan with Spinach,” which Dudash ultimately included in her book, “Clean Eating For Busy Families” (Fair Winds). The recipe was a hit with Dudash’s client and will surely be a hit at home cooks’ dinner tables as well.

Skinny Chicken Parmesan with Spinach (Makes 6 servings)

For the sauce:

2 teaspoons extra-virgin olive oil
2 cloves garlic, sliced
1 28-ounce can whole tomatoes
1/4 teaspoon dried basil
1/4 teaspoon dried oregano
2 pinches salt
2 pinches freshly ground black pepper
1/2 teaspoon honey

For the chicken:

3 tablespoons grated Parmesan cheese
2 tablespoons whole-wheat flour
1/2 teaspoon salt, divided
1/4 teaspoon freshly ground black pepper
1/4 teaspoon dried basil
11/2 pounds chicken breast, cut into 6 pieces, pounded to 1/4 inch
2 tablespoons plus 2 teaspoons extra-virgin olive oil, divided
4 cups baby spinach
1 teaspoon lemon juice
3/4 cup fresh mozzarella cheese, sliced into 6 medallions (or shredded)
6 cups cooked whole-grain thin spaghetti tossed in 2 teaspoons olive oil

Preheat oven to 375 F and coat the bottom of a 9 x 13-inch pan with olive oil spray.

To make the sauce: Heat a medium saucepan over medium heat. Add oil and garlic and cook gently for 30 seconds. Do not brown. With your hand, squeeze each tomato into the pan and add basil, oregano, salt, pepper, and honey. Reduce to medium heat and simmer for 20 minutes, lowering the heat as needed.

To make the chicken: Combine parmesan cheese, flour, salt, pepper, and basil in a medium dish and coach chicken with cheese mixture. Place a large skillet over medium heat and add 2 tablespoons of oil. When oil is shimmering, add chicken, rounded-side down, and cook until golden on one side, about 5 minutes. Arrange chicken in a baking pan. Pour remaining 2 teaspoons of oil into skillet and add spinach. Cook spinach for 1 to 2 minutes until wilted and swirl in lemon juice. Gently press spinach to release water and divide spinach on top of chicken. Spoon sauce around and over the chicken, place mozzarella on top, and sprinkle with 1/4 teaspoon salt. Bake for 15 minutes until chicken is cooked through. Serve over spaghetti.

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

Deals

Shipping

Credit score

Time

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