When I say ‘A man’s not a financial plan,” besides quoting the great free bumper sticker available from WIFE.org, I am not saying I dislike men. I have been happily married for more than thirty-five years and have two great sons. I AM saying that your financial plan is your individual responsibility and that you may not wait for a prince or your daddy to lift this job from your shoulders. and I have been married for more than thirty-five years but unless we ‘go through the Stargate together’ ( which is our silly way of saying we hope to die together), one of us may predecease the other and other marriages may end in divorce.Talk about money- You need to know what’s going on and bring your views to the joint money table. Different attitudes about money are important to share and help provide better security for both of you. You see things differently, and those views are each helpful.Map out your money plan- Make a budget for how the money is spent today and a plan for where you’ll live in retirement, how much your income will be at the phase of your life, and get your legal documents in place so that when trouble comes, you will be more able to manage the pain.Set priorities- Speak your mind about what’s important to you about money. Communication is not a perfect medium so use various approaches to make your point heard. Be willing to compromise on issues on which you feel more flexible. Examine your attitude to check for fear and try to operate in good sense and not too much emotion.Credit in your name – make sure you know how the family credit is used and have credit in your name. I have told you stories of rich and famous who have been ignorant about their money suffered badly because of that error. Please learn from their mistakes! And for a free bumper sticker or an electronic newsletter sign up at www.wife.org. Citation:My book, Real Deal: Making Big Changes with Small Changehttp://www.wife.org/man-is-not-a-plan.htm Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.com
In this edition of Take This Job and Love It, Chelsey Anderson traveled Downeast to help a nonprofit.She visited the First Light Farm Equine Shelter in Perry.Chelsey: “I rode a horse at a fair when I was child, but that’s about the extent of my knowledge of horses. Thankfully, the ladies at the farm were more than willing to show me the ropes.”——————-“Yes babe. We’ve got to bring you some hay, huh?” Chelsey: “Hi! She’s like, ‘Where’s my food?’ We’re getting it!”(Andrea:) “We’re going up to the hay loft.”(Chelsey:) “Heads up!”(Chelsey:) “Mariah! Look, look at the hay.” Andrea: “No, she says she’s going to eat Zippy’s.” Chelsey: “Zippy’s looks pretty good!”I fill her water and I’m on to the next task.(Andrea:) “The best part is mucking out. We’ll muck out our paddock, our run in sheds and the stalls.”(Vicky:) “We’re going to clean a stall.” Vicky: “And I left her some special frozen stuff!” Chelsey: Thank you!(Andrea:) “You can start with just picking up off the surface.” Chelsey: “Okay.” Andrea: “She’s made a bit of a mess.”(Andrea:) “Just give it a little shake. You want to shake out your shaving over an area you’re not going to be shaking again.” Chelsey: “Oh, that’s a good idea.”I banged some of the shavings out to get the remaining mess, but I wasn’t going quite fast enough. So, the self-proclaimed Barn Goddess took over and I moved on to churn-in some new pine shavings in Zippy’s stall.(Chelsey:) “Okay. One stall down.”Moving on to Delia’s paddock.(Andrea:) “I first start trying to rake it into a pile.”(Chelsey:) “Delia, I love you girl, but I don’t love the presents.”Then I filled the muck buckets.(Chelsey:) “And that’s a lot of poo to deal with.”(Andrea:) “I hope they pay you well for this feature!”(Chelsey:) “Another one.” Vicky: “You’re not done yet!”(Chelsey:) “Well, I think they’re definitely eating enough.”(Andrea:) “That’s probably as full as we’re going to be able to get.” Chelsey: “Okay.”(Andrea:) “Now you’ll get the wheel barrel and dump that one too.”(Chelsey:) “Oh! I’m going to go up this little bridge. Oh my goodness.”(Andrea:) “You’ve got to get a running start.”(Chelsey:) “Okay!” (grunting) Andrea: “There you go! Alright!”Now that Delia’s paddock was clean, it was time to get her groomed.(Andrea:) “The first thing that happens is we have to clean out her feet.”(Andrea:) “You’re going to run your hand down, and she knows what I’m going to be doing so she’s going to pick up her foot for me.”It didn’t work that way for me.(Chelsey:) “Come on! You can do it!”(Chelsey:) “Err!” Andrea: “Delia!” Chelsey: “Come on! Are we friends? I thought we were friends!” Well, the talk must have helped.(Chelsey:) “Come on! Yes!”I cleaned that foot up and moved to the back, which wasn’t any easier.(Andrea:) “Do it real quick!” Chelsey: “Errr!” (laughter)(Andrea:) “And we’re going to give her a quick grooming.”I removed the dirt and dander from Delia’s coat, then shined her up.(Andrea:) “She is definitely enjoying this.”I topped off the grooming with a treat.(Chelsey:) “Ah, yeah! Yummy!”So after all the feeding, scooping, and brushing, would I get the job?(Andrea:) “Absolutely, because it’s not about knowledge, it’s about having the heart and compassion to do it.”(Chelsey:) “Thank you so much, and thank you so much. You were very friendly.”Before I left, I was presented with a major award.(Andrea:) “We don’t hand these out to just anybody, but anyone who’s gone above and beyond the call of duty.”For climbing Mt. Manure.Whoo!—————-On Sunday the 13th, the New Friendly Restaurant on Route 1 in Perry will give 10% of their proceeds to Have a Heart for Horses to help the shelter.If you have an idea for our next Take This Job and Love It, email Chelsey: firstname.lastname@example.org.
Early Recognition of Mental Health ProblemsBy- Dr. David PrescottEarly Recognition a Key to Effective Mental Health Treatment: In mental health treatment, as with all of health care, early recognition and treatment is increasingly seen as critical to reducing the suffering associated with psychiatric disorders. The logic is simple enough. The earlier you detect a problem and do something to fix it, the less that problem will impact your life. But, while that logic makes sense to most of us, knowing exactly what to look for may be a little more difficult. When Do You Cross the Line to Needing Professional Attention? Obviously, this is a difficult question and the answer varies from person to person. Two questions that I like to ask in helping someone decide include: 1. Is this bothering you to the point where you want more support or would like it to have less of an influence on your life? 2. Has this problem started to interfere with your life and the things you used to be able to do? That is, are you now unable to accomplish things that you used to accomplish because of the problem? Here are some early warning signs of common mental health and addiction problems. As with any health problem, if you are in doubt, talk to a psychologist, mental health professional, or your family doctor. Early Signs of Depression: Most people know that depression involves recurrent sadness, hopelessness, and lack of energy. It is common to have these feelings for a couple of days every now and then. Signs that the depression may be more serious include: â€¢ 2 consecutive weeks of feeling sad or hopeless. â€¢ In teenagers and some adults, rather than feeling depressed, feeling mostly irritable or short tempered. â€¢ Missing school, work, or significant family events because you feel too sad or donâ€™t have the motivation that you used to have. Early Signs of Schizophrenia or Psychotic Illnesses: The onset of schizophrenia, a mental disorder characterized by disorganization in thinking, excessive suspiciousness or paranoia, or in some cases hallucinations, is typically in the late teens or early twenties. However, warning signs are often present long before the formal onset. These include: â€¢ Withdrawal from friends or family â€¢ Difficulty concentrating, confusion, jumbled thinking â€¢ Suspiciousness, fearfulness or mistrust of others â€¢ Changes in the way things look or sound, seeing or hearing things that aren’t there â€¢ Odd thinking or behavior: feeling odd, like something is wrongEarly Signs of Anxiety Disorders: Anxiety disorders include panic disorder, social phobia, and obsessive-compulsive disorders. The hallmark of each of these problems is debilitating anxiety that leads to avoidance of people and activities. Early signs of anxiety disorders include: â€¢ Repeated episodes of panic (feel like you canâ€™t breathe, like you may be about to die, short of breath). Single episodes of panic are somewhat common and may not indicate a disorder. â€¢ Avoiding important activities (school, work) or situations (going to the store) because of anxiety or fear of an anxiety attack. â€¢ Losing more and more time to activities designed to reduce or cope with anxiety (spending time alone, engaging in checking things or doing things over that you have already done). Early Signs of Drug or Alcohol Dependence: Often, drug or alcohol dependence start off as recreational drinking or drug use. Early signs of drug and alcohol abuse or dependence include: â€¢ Frequent episodes of binge drinking (4 or more drinks for women, 5 or more for men)â€¢ Missing school or work due to drug or alcohol use or feeling hungover. â€¢ Spend increasing amounts of time using substances or with people that drink/use drugs with you. How do I seek help? Seeing a qualified mental health professional, like a psychologist, psychiatrist, psychiatric nurse, or licensed social worker is a good start. Help may include counseling, medication, or a combination of the two. If you donâ€™t know a mental health professional, your primary care doctor is often able to make a recommendation. For More Help: Acadia Hospital www.acadiahospital.orgIn Maine Dial 2-1-1 for agencies that provide counseling.
Time to think about reviewing your credit report.By law individuals are entitled to free credit reports from the three credit reporting agencies. And you might think this would be easy, getting these reports. But it’s not. The only certain source of receiving free annual reports from the three agencies is through www.annualcreditreport.com
1 package Duncan Hines Dark Chocolate Fudge CakeMolasses Buttercream10 oz. softened unsalted butter3 Tbsp. Unsulfured Molasses3 Tbsp. milk3/4 tsp. vanilla extract4 cups sifted confectionerâ€™s sugarTopping2 cups pecans4 Tbsp. unsalted butter2 Tbsp. packed light brown sugarPinch of salt1/2 cup toasted coconutPrepare cupcakes according to directions.While cupcakes are baking prepare buttercream.In the bowl of an electric mixer beat butter, molasses, milk and vanilla until combined. Gradually add confectionerâ€™s sugar and beat until light and fluffy. Set aside.As cupcakes are cooling, place pecans on a parchment lined baking sheet and roast in heated 350Â° oven for ten minutes. Remove from oven.In a medium saucepan combine butter, light brown sugar and salt. Heat over medium-high heat until butter and sugar are melted and bubbling, about 1 minute.Pour toasted pecans into sugar mixture and toss well to combine. Place pecans back on baking sheet and cool completely.Coarsely chop candied pecans and combine in a bowl with the toasted coconut.Ice cupcakes and cover with topping.
Herb Roasted Carola Potatoes with Roasted Onion, Garlic & Bacon DipPotatoes2 1/2 lbs. Carola potatoes, scrubbed and cut into wedges3 Tbsp. olive oil2 tsp. kosher salt1 Tbsp. Herbes de ProvenceDip1 medium onion, coarsely chopped6 cloves garlic, cleaned and coarsely chopped1 Tbsp. olive oil1/4 tsp. kosher salt1 cup sour cream1/4 cup mayonnaise1/2 tsp kosher salt1/4 tsp. coarse ground fresh black pepper1/2 tsp. lemon juice2 Tbsp. fresh parsley leaves4 strips fully cooked bacon, crumbledChopped chivesLine a baking sheet with aluminum foil and set aside.Preheat oven to 425Â°.Place potato wedges in a large bowl and cover with hot tap water. Soak potatoes for 10 minutes. Meanwhile prepare onions and garlic for roasting.On a piece of aluminum foil place chopped onion and garlic. Drizzle with 1 Tbsp. olive oil and sprinkle with 1/4 tsp. salt. Fold foil and wrap.Drain potatoes and dry off with paper towels. Place potatoes onto prepared baking sheet. Drizzle with 3 Tbsp. olive oil and sprinkle with salt and herbs. Toss to coat evenly.Roast potatoes and onion/garlic for 25 minutes until potatoes are golden brown.Remove the onion/garlic from the foil and place in the bowl of a food processor. Allow to cool for 5 minutes.Place remaining dip ingredients (sour cream through parsley) into the food processor and process until smooth. Stir in crumbled bacon reserving some for garnish. Place dip into a serving bowl and garnish with remaining bacon crumbles and chives. Serve with hot potatoes.Recipe Courtesy: Cathy Speronis
1 package Jimmy Dean Premium Pork Sausage Regular1 Tbsp. olive oil2 cans ROTEL Original Diced tomatoes & green chilies2 (8 oz.) packages of cream cheese, softenedHeat olive oil in a 12â€ skillet over medium-high heat. Add sausage and brown well, stirring and breaking up sausage with spatula.When sausage is fully cooked add the two cans of ROTEL. Reduce heat to medium. Stir to combine and cook for 3 minutes.Add the 2 packages of cream cheese to the skillet. Stir until the cream cheese is fully incorporated and continue cooking until heated through.Turn into a serving bowl.Dip can be made ahead of time, stored in an oven-proof bowl and reheated covered at 350Â° for 10 â€“ 15 minutes.Recipe Courtesy: Cathy Speronis
Candy moldsCandy wafersSqueeze bottleMelt candy wafers in double boiler until well meltedPlace melted wafers in squeeze bottlePlace bottle in warm water to keep wafers melted make sure to wipe water off before you fill molds (water will make chocolate unable to harden)Pour melted wafers in mold and let harden and pop outRecipe Courtesy: Vicki Billings Rowle
12 cups of popped popcorn1 cup sugarÂ½ teaspoon salt2/3 cup water2/3 cup light corn syrupÂ½ cup butter1 teaspoon vinegarÂ½ teaspoon vanillaPlace popcorn in very large bowl, In medium saucepan, combine remaining ingredients except vanilla.Cook uncovered stirring occasionally until soft-crack stage (270*F.)Remove from heat, stir in vanilla. Slowly pour syrup over popcorn, tossing until coated. With buttered fingers, quickly shape into ballsMakes 16 ballsRecipe Courtesy: Vicki Billings Rowle
By- Dr. Amy MoviusWe are on the threshold of a major winter storm, one accompanied by frigid temperatures. Many people (hopefully most) will be hunkering down and riding the storm out at home. Essential workers and others will have to venture out. Everyone needs to be prepared to stay safe from hypothermia and frostbite. It is recommended that people stay off the roads if possible during a major winter storm. However, it is still important to be prepared for the possibility of power loss at home. The following lists necessities for such an event:1. Have a back up heat source such as a wood stove or generator.2. Emergency supplies to have on hand include extra blankets, flashlight, matches, first aid kit, manual can opener, show shovel and rock salt.3. Drinking water, nonperishable food, and medication to last a few days are essential.4. Dress in several layers and wrap in blankets to conserve heat.5. If you are worried your environment isnâ€™t warm enough, go elsewhere (friends, neighbors, shelter) until your home is safe again.People who must venture out in their cars need to be especially careful. Anyone involved in a car accident or breakdown can be very susceptible to hypothermia/frostbite. If you must drive, first and foremost, go slowly and let someone know where you are going and what route you are taking. In addition, follow the guidelines below.1. Be sure your vehicle is in good working condition for storm driving. 2. Have emergency gear with you at all times. This includes a cell phone, flashlight, jumper cables, sand or kitty litter (for tire traction if needed), ice scraper, small shovel, blankets, warning devices such as flares.3. Extra warm clothing and hand warmers in your emergency supplies may also be useful.4. If you are taking a longer trip bring some drinking water, food, and any medication as well.5. IF YOU GET STUCK ON THE ROAD, place a flare in front and in back of your vehicle. While awaiting rescue, stay inside with a window slightly open for air circulation. Also, wrap yourself in blankets and run the heater for a few minutes each hour.Hypothermia occurs when the body temperature is abnormally low. It can happen to anyone though some people are more susceptible to it than others. The poor, elderly, those with substance abuse problems, and children are groups particularly at risk. Hypothermia can happen suddenly or more gradually, and is affected by how cold it is, how long a person is exposed to the cold, and each personâ€™s general health. Hypothermia can kill. The first sign is often some confusion or sleepiness which might not be obvious. Slow/slurred speech can follow as well as excessive shivering or NO shivering at all. Hypothermic people will have slow and clumsy body movements. If you think someone is hypothermic, seek medical attention immediately. If this isnâ€™t possible, move them to a warmer location, wrap them in blankets or lie close to them. Do not rub someone with frostbite or hypothermia – this will cause more damage.
More and more is being learned about how men and women vary in their methods of thinking about and handling money, Financial Advisor Marion Syversen joined Carolyn Callahan on TV5 News at Noon to talk about it.Salary negotiations- Men are eight-times more likely to ASK for higher salaries. In one study a researcher promised to pay participants a range of money from $3- $11 for participants to play a game. They were then given $3 and asked if that was okay. 8x’s as many men asked for MORE money than women.Indulgences- Men lead women in the purchasing of entertainment items such as video games, sporting event tickets, DVDs , even hobbies, alcohol and cigars. Women lead men in grocery purchases, skin care and baby products and premium care products. More women are making big ticket purchases such as cars and TVs. And 80% of all spending decisions are influenced by women. Feelings- Men generally save more for themselves than women, making personal savings a priority. Women are not saving as much. One author suggested that women are ‘present thinkers’ consumed with concerns about their family’s present and immediate needs and less focused on a distant goal. Men pay themselves first, women practice that trait less often spending money by shopping during their 20’s and 30’s while many men are saving more. Don’t shoot the messenger.Women also prefer holistic information about money and personal finance as I show in the research for my book while men prefer stock picks and more specific investment information.If you’re training for a skill or a race and you find that you have a natural area that hinders you toward the goal, what would you do? You’d face the problem and work diligently to compensate and fix the lack. See these differences and fight back to make needed changes.Disclosure:Only securities and advisory services offered through Wall Street Financial Group, Inc. Registered Investment Advisor. Member FINRA/SIPC. Wall Street Financial Group, Inc. and Norumbega Financial are separate entities, independently owned and operated.