Features

Dealing with Financial Difficulty: Death

Updated 12 months ago

This is the last in our series on Dealing with Financial Difficulty. These topics have involved not just financial but also emotional trouble resulting in our first week’s topic divorce, then last week’s job loss and this week’s topic which is the death of a loved one.Arrangements- Hopefully you and your loved one have spoken about what was wanted for funeral and burial arrangements. These things require action first. Communicate with relatives and the funeral home for help at this time.Incoming bills- Overwhelmed by grief financial paperwork can quickly pile up. ASK FOR help from a trusted family friend or family member.Death certificates- The Massachusetts Commission on end -of life care recommends 10-15 copies of them for many reasons and to settle many accounts.Insurance- if you had life insurance for your loved one ‘valid claims’ are paid relatively quickly, usually within 1 week from receipt of a death certificate. You will need to know the policy number. Assets- Informing Social Security, pension funds, changing ownership for checking and savings accounts, brokerage and deeds, cars and credit cards are some of the details that will need to be taken care of after the death of your loved one. Get professional advice when you are in doubt. Take your time. This isn’t a race!Be prepared to spend a lot of time with the financial concerns following the death of a loved one.Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.comCheck out or website that includes weekly streaming videosWWW.NorumbegaFinancial.comVoted Bangor’s Best Financial Planning Firm 2009 by Market Surveys of AmericaIn compliance with requirements from FINRA, all e-mail sent via the WSFG domain will be subject to review and archiving by Wall Street Financial Group, Inc. Email management, archiving & monitoring technology powered by Smarsh, Inc. Disclosure:Only securities and advisory services offered through Wall Street Financial Group, Inc. Registered Investment Advisor. Member FINRA/SIPC. Norumbega Financial and Wall Street Financial Group, Inc., are separate entities, independently owned and operated.

Read more on Dealing with Financial Difficulty: Death…


Fiddleheads’ Olive Tapenade and Goat Cheese Crostinis

Todd Simcox

Updated 12 months ago

Olive Tapenade and Goat Cheese CrostinisIngredients:1 cup green olives1 cup nicoise olives1 anchovy1 Tbsp. capers2-3 cloves garlicjuice of 1 lemon1 Tbsp. parsley1 Tbsp. thymea drizzle of olive oila drizzle of balsamic vinegargoat cheeseDirections:Put everything into food processor and pulse until ingredients are chunky. Serve with toasted crusty bread and topped with goat cheese of your choice.

Read more on Fiddleheads’ Olive Tapenade and Goat Cheese Crostinis…


The 34th Great American Smokeout

Updated 5 years ago

By- Dr. Jonathan WoodThis Thursday, Nov 19th, 2009, is the 34th Annual Great American Smokeout. Join the American Cancer Society – – use this day to encourage smokers to quit smoking or to outline a long-term plan for quitting. Remember, less smoking = more birthdays!smokers who quit at age 35 gain an average of eight years of life expectancy smokers who quit at age 55 gain about five years even long term smokers who quit at 65 gain three years people who stop smoking before age 50 can cut their risk of dying in the next 15 years in half compared with those who continue to smoke.Other important facts to consider when making your plan to quit smoking:87% of lung cancer deaths can be attributed to tobacco. Quitting reduces the risk of lung cancer – – 10 years after quitting, lung cancer risk is cut nearly in half compared to the risk for people who have continued smoking during that time. 30% of all cancer deaths can be attributed to tobacco. Tobacco use remains the single largest preventable cause of disease and premature death in the US. Tobacco is responsible for nearly 1 in 5 deaths!Are you around children? o Each year, an estimated 150,000 to 300,000 lung infections in children under 18 months old are attributable to secondhand smokeo Secondhand smoke significantly increases the number and severity of asthma attacks in children, affected 200,000 to 1 million children each yearWhy quit now?Perhaps you think that if you have been smoking all your life, quitting can’t really help you… Not true!!! What can a lifelong smoker expect in terms of health advantages? 20 minutes after quitting: Your heart rate and blood pressure drop. 12 hours after quitting: The carbon monoxide level in your blood drops to normal. 2 weeks to 3 months after quitting: Your circulation improves and your lung function increases. 1 to 9 months after quitting: Coughing and shortness of breath decrease: cilia (tiny hair-like structures that move mucus out of the lungs) regain normal function in the lungs, increasing the ability to handle mucus, clean the lungs, and reduce the risk of infection. 1 year after quitting: The excess risk of coronary heart disease is half that of a smoker’s. 5 years after quitting: Your stroke risk is reduced to that of a non-smoker.10 years after quitting: The lung cancer death rate is about half that of a person who is still smoking. The risk of cancer of the mouth, throat, esophagus, bladder, cervix, and pancreas decreases. 15 years after quitting: The risk of coronary heart disease is that of a non-smoker’s.And how significant is the problem in Maine?14% of high school students and 18% of adults in Maine smoke.An estimated 79,000 children are exposed to secondhand smoke in Maine2,200 adults in Maine die each year due to diseases attributable to their own smoking.An estimated 27,000 children currently under 18 in Maine will ultimately die prematurely from smoking.Read more about Maine tobacco statistics at:http://tobaccofreekids.org/reports/settlements/toll.php?StateID=MEMore questions?So is there a safe way to smoke? Are menthol cigarettes safer? What exactly is it in cigarette smoke that is harmful? Is smoking really addictive? What does cigarette smoke do to the lungs? How does smoking affect pregnant woman and their babies? Answers to these and other questions can be found at:http://www.cancer.org/docroot/PED/content/PED_10_2x_Questions_About_Smoking_Tobacco_and_Health.aspSo how can you quit? No one said it is easy, but there are increasing numbers of resources available for smokers committed to becoming non-smokers. Go for it!A good place to start is the “Breathe Easy, New England” website – – check it out and find out how to get help:http://community.acsevents.org/site/PageServer?pagename=C_NE_GASO_homepageThursday, November 19, 2009American Cancer Society’s “Great American Smokeout” www.cancer.org/GreatAmericans

Read more on The 34th Great American Smokeout…


Dealing with the Difficulty of Job Loss

Updated 12 months ago

We are in the middle of a short series of segments entitled Dealing with Financial Difficulties. Last week we covered Divorce. This week we will discuss losing a job.Another emotionally difficult life and financial issue is losing your job. It’s hard to keep your wits about you when you hear the news, but the calmer you can stay, the faster you can take necessary steps to move towards a better day.Assess- What do you have in the bank? How much do you owe this week? What might you have been in the middle of buying that needs to be stopped? House, car, furniture, communicate with the shop right away. Are you eligible for unemployment benefits? If so, apply immediately. You will want to investigate carrying over your health insurance – if your job was vital to the family’s coverage and investigate COBRA. This allows you to buy group rate health insurance for a limited time.Communicate- Let friends and family know the situation as soon as possible so that ears can be listening for job openings and opportunities. Communicate with utility companies and others about your situation. Many of them, when made aware of the situation, will do whatever they can to work with you, as long as you communicate! New direction- Is this an opportunity to go back to school or change your skills? Is your former job in an ailing industry or is this just a temporary setback? Try to take a reasonable and unemotional view of the future. Stay active even if is in small opportunities. You need to not be home sulking but working wherever you can doing whatever you can find. Stay positive, stay focused on others so you can get plenty of rest and get going tomorrow. It will all work out!Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.comCheck out or website that includes weekly streaming video.WWW.NorumbegaFinancial.comVoted Bangor’s Best Financial Planning Firm 2009 by Market Surveys of AmericaIn compliance with requirements from FINRA, all e-mail sent via the WSFG domain will be subject to review and archiving by Wall Street Financial Group, Inc. Email management, archiving & monitoring technology powered by Smarsh, Inc. Disclosure:Only securities and advisory services offered through Wall Street Financial Group, Inc. Registered Investment Advisor. Member FINRA/SIPC. Norumbega Financial and Wall Street Financial Group, Inc., are separate entities, independently owned and operated.

Read more on Dealing with the Difficulty of Job Loss…


Fiddleheads’ Baked Feta With Tomatoes and Pepperocini Peppers

Todd Simcox

Updated 12 months ago

Ingredients:feta cheese, preferably a block/chunk1 oz. sliced pepperoncini peppers2-3 each roma tomatoes, slicedpinch of crushed black pepperdrizzle extra virgin olive oilDirections:Preheat oven to 400°. In an oven safe baking dish, place feta chunk in–amount of feta will depend on how much you want to make. Place sliced tomatoes over the feta then spread the pepperoncini peppers over that. Sprinkle with crushed black pepper and drizzle liberally with olive oil. Bake in oven, uncovered for 10 to 20 minutes, or until bubbly and the cheese is spreadable.

Read more on Fiddleheads’ Baked Feta With Tomatoes and Pepperocini Peppers…


Driving a Zamboni

Updated 5 years ago

Thousands of people pack the Alfond Arena at the University of Maine to cheer on the Black Bears.But those games wouldn’t be possible without the folks who take care of the ice.In this edition of Take this Job and Love It. Sharon Pelletier found out exactly what it takes to keep that surface smooth.”It’ll open your eyes a little bit to our day to day operation for maintaining the ice.”That was the warning from Will Biberstein, Associate Athletic Director at the University of Maine. But at this point, I was just thinking of driving the Zamboni, not many people get to do that. Not even Will.But Scott White has done it thousands of times. He’s worked here for 16 years and is now the Operations Manager at the Alfond. He too warns me this is hard work but…”There’s a lot of fun times too. We get to watch hockey and basketball, very cool.”Now it’s time to get to work.First off use the edger to smooth the ice along the edges, all around the 17-thousand square foot surfaceThat was just the beginning, because after that’s done.You have to chip the ice off the boards.”You can see where there’s more build up in other places.”Typically Scott and one other person will go through all these steps.Scott gets to work each morning around seven. He typically works six days a week, and might have to stay until after a hockey game.Most weeks they refinish the ice a few times, except when the hockey teams have home games.”If we have ice hockey games on Friday and Saturday night we do it every day before the game”So I only got a quarter way around chipping ice, but Scott gave me a break and told me it was Zamboni time.”It shaves the ice and collects the snow, and then you apply hot water to the surface and that rebuilds the layer you just shaved off.”Scott backed up the beast onto the ice, and told me he’d handle the mechanical part of it. All I’d have to do is steer and step on the gas.It didn’t sound too hard until Scott informed me, I could ruin the ice.”I’m just a tad bit nervous right now, just a tad bit because I could mess things up.”Then the moment of truth, I get in the driver’s seat.My suspicions were confirmed, it is cool to drive a zamboni, especially one with a giant black bear on the front.Scott let me take a couple of passes on the ice, then it was time to drive it down the narrow hallway to park it. It was at that moment that Scott decided to tell me that the vehicle cost 104 thousand dollars…113, thousand will shipping. No pressure.I’m proud to say, that I made it through the narrow passage way, but with a new appreciation for the hard work that goes into preparing the ice.Then it’s time for my review.”I think you did a great job. My lines aren’t very straight though. That’s o.k. You’ll get used to it. It’s your first day. It takes lots of practice. And I didn’t crash the zamboni, that’s a good day, that was a bonus.”If you have an idea for our next, “Take This Job and Love It” segment, e-mail us at WABI@WABI.TV

Read more on Driving a Zamboni…


How Much Caffeine is Too Much Caffeine?

Updated 5 years ago

By- Dr. Joan Marie PellegriniFirst, I should declare a conflict of interest since I am an avid coffee drinker. None the less, I’ve had patients and friends tell me that they are going to try to cut down how much caffeine they consume. When I ask why they are concerned, I hear about the fear of heart disease, cancer, and breast disease. It turns out that these are not valid concerns.Caffeine acts on certain receptors in the brain and body to increase metabolism and alertness. Everyone knows that it helps keep us awake. Most of the time, caffeine is consumed precisely for that “side-effect”. The International Olympic Committee also knows that it is a performance enhancer and hence they test athletes for how much caffeine is in their bodies. A certain amount is acceptable.A typical cup of coffee contains approximately 100 mg of caffeine. Some brands are more potent. For instance, a Starbuck’s® “short” coffee contains 180 mg. A moderate amount of caffeine consumption is considered to be 2-4 cups of coffee a day (200-300 mg caffeine). Anything intake above 500 mg is considered to be a potential for adverse consequences. Too much caffeine can cause tremors, anxiety, insomnia, stomach upset, palpitations, high blood pressure, and a head ache. Each person has their own sensitivity to the effects of caffeine. Fortunately, there is no good evidence to link caffeine intake with any type of cancer or heart disease. It is now also known to be a myth that caffeine causes breast disease. Caffeine has only very rare interactions with any medications. Therefore, caffeine is an incredibly safe “drug”. This is great news because it also is the most widely consumed drug in the world.Now that we can relax about the safety of caffeine, we need to ask ourselves why we consume caffeine and why we consume as much as we do. If you consume minimal or only moderate doses of caffeine, you do not need to worry. However, if you are one of many people who consume large doses of caffeine on a daily basis, you really should examine your habits. Do you get enough sleep? If not, what can you do to improve this area of your health? Do you have problems with inattention during the day? If so, why? Are you having problems with tremors, palpitations, high blood pressure, stomach upset, or diarrhea? Are you taking one of the few drugs that can interact with caffeine? Depending on the answers to the above questions: could you consider switching to a non-caffeinated drink? If you would like to look up the amount of caffeine in a drink, there is a very comprehensive website listing almost every drink available. This website is www.energyfiend.com.

Read more on How Much Caffeine is Too Much Caffeine?…


L’Aperitif’s Mango Scallops and German Potato Pancake with Chive Aioli

Todd Simcox

Updated 12 months ago

Mango ScallopsIngredients:1 lb fresh scallops Slice into silver dollar size1 mango, medium dice1 avocado, medium dice2 tbsp chopped cilantro 3 tbsp veggie oil, or canola Salt and pepper to taste3 tbsp lime juiceDirections:1. In a bowl add the mango, avocado, cilantro, and lime juice: toss this all together. Season with salt and pepper and set aside.2. Next add oil to the pan, wait until very hot.3. Add scallops and sear until golden brown on both sides.4. When cooked through arrange on plate and garnish with the mango and avocado mixture. German Potato Pancake Ingredients:3 potatoes, bakers, russets, grated4 strips of bacon, cooked and diced¼ cup thinly sliced scallions3 tbsp minced chives 1 egg 2 ounces flour Directions:1. Grate the potatoes and add to bowl.2. Add all the remaining ingredients.3. Test one by forming into patty, if it seems loose add more flour to hold together.4. Add 3 tbsp butter in pan over medium heat, cook until golden brown on both sides.Chive AioliIngredients: 1 cup mayo¼ minced fresh chives2 tbsp lemon juice1 clove garlic, minced Directions:1. Add all ingredients into bowl and mix well.2. Serve with finished potato cakes.

Read more on L’Aperitif’s Mango Scallops and German Potato Pancake with Chive Aioli…


Coping With Stress about H1N1 Influenza- Building Psychological Resilience

Updated 5 years ago

By- Dr. David PrescottThroughout the course of history, people have coped with a variety of illnesses and diseases that have been severe and widespread. Along with the physical impact of such illnesses, each widespread disease or epidemic has brought various levels of social anxiety, stress, and in extreme cases near panic. While our society today is nowhere near this level of public anxiety, it is important to keep a balanced psychological approach to this issue. High levels of public attention and media coverage are necessary to help prevent the spread of influenza. However, these frequent messages can inadvertently raise our anxiety and lead to high levels of stress or feeling somewhat helpless. The following tips will help you deal more effectively with the psychological stress associated with flu season. Stay Connected: Following tips for minimizing the spread of influenza involves being careful about interpersonal contact. However, we should not let good health practices disrupt our normal social networks, which are important in maintaining a sense of “normal.” In the worst case, social isolation of people who have flu-like symptoms can add to stress levels and make coping with being sick more difficult. Try to offer support to people with the flu, and look for ways to stay connected that minimize the chance of spreading an illness (phones, computers). Deal with Facts: In times of high stress there is a human tendency to take rumors at face value, make false assumptions, or follow trains of logic that are not based in fact. Facts can be a little boring when compared to rumor, but facts are very helpful in reducing unwanted stress. Find a credible source, like www.flu.gov to stay updated. And, don’t forget to actually do the things recommended by health experts. Sometimes, rumors or false assumptions lead us to put off making good health choices. Pursue Many Roads to Better Health: Much attention has been given to the availability of flu vaccine. However, if you are not yet able to get the vaccine, try not to let that translate into, “There is nothing I can do!” Remember that there are lots of ways to work on staying healthy. Proper sleep, diet, and exercise help your body fight off illness and stress. Good hand hygiene, like washing thoroughly with soap and water, is something over which you have total control. And, be sensible about close physical contact with people who are ill. Have a Plan: One of the biggest ways that the anxiety cycles spins out of control, is to repeatedly go through the “worry” process without ever developing a plan to address the worry. Your plan doesn’t need to be complicated. But, it may help to write out or talk through what you will do if influenza is identified in your school or where you work. And, if someone in your family contracts influenza, just have a simple plan of what you will do until they are well. Communicate with Your Children: Children, particularly younger children, are very vulnerable to the stress around them. Most children will observe adult behavior and emotions for cues on how to manage their own emotions. That is, your children watch you to figure out how they should react. It is usually best to discuss flu prevention efforts honestly and simply, using information that is appropriate for your child’s age. Maintaining familiar routines, as much as possible, when a family member is sick is also helpful in reducing anxiety and stress in children. When has Stress Become a Problem that Needs Professional Help? Defining the line between normal anxiety and anxiety which requires professional help is, of course, largely up to an individual. Some guiding points may be if anxiety or worry begins to significantly interfere with your job, school, or family, then you may need to talk with a psychologist or counselor. Feeling hopeless or highly discouraged for 2 consecutive weeks or more is often a symptom of clinical depression, and should prompt a visit to your primary care doctor or a mental health professional. For More Information: Acadia Hospital Web Site: www.acadiahospital.orgAmerican Psychological Association Help Center: www.apahelpcenter.orgU.S. Department of Health and Human Services: www.flu.gov

Read more on Coping With Stress about H1N1 Influenza- Building Psychological Resilience…


L’Aperitif’s Wild Mushroom Risotto

Todd Simcox

Updated 12 months ago

Ingredients:5 T olive oil¼ cup finely chopped onion1 clove chopped garlic4 oz. assorted mushrooms, sliced1 lb. Arborio rice½ cup white wine2 qts. chicken stock2 T butter3 T parmigiano reggiano cheesesalt and pepper to tasteDirections:1. Heat olive oil in pan, add onions and sauté until translucent.2. Add garlic and sauté for another minute.3. Add the mushrooms and cook for another minute.4. Next add the rice and sauté for 2 minutes.5. Add the wine to the pan and stir to absorb.6. Add the chicken stock, a ladle at a time and keep stirring until absorbed.7. Keep adding the stock until it’s all gone.8. Last add the parmesan cheese and butter.

Read more on L’Aperitif’s Wild Mushroom Risotto…


H1N1: The Latest

Updated 5 years ago

By- Dr. Erik SteeleIf you think you have the flu, this year we want you to think a little differently before you go to see your doctor or the emergency department. We would like to have you think about … not coming? That’s right – consider not coming in. There are a few reasons to consider that approach:1. Most health care workers have not yet been vaccinated against H1N1 influenza (the so-called swine flu) and if all of them get the flu from patients coming in with the flu, we will not have enough health care workers – doctors, nurses, respiratory therapists, etc – to take care of the sickest patients:2. If you are not at high risk for complications, you are not likely to be treated with anything from a doctor except advice, reassurance, and perhaps a prescription that can be called in over the phone:3. You could infect other people sitting in the office or emergency department waiting rooms. The tough part of making this decision is that some patients can get sick enough with influenza – the regular type and the H1N1 influenza – that they really do need to be seen by their primary care provider or the emergency department. How do you know if you, or a loved one, is so sick they should be seen right away, and not stay at home? Well, here are a few guidelines:1. Are you severely ill – too sick to get up and about for food, bathroom, etc.?2. Do you have real trouble with shortness of breath, severe lightheadedness when you are standing, or a severe headache associated with your illness?3. Is the sick person so ill they are less alert that normal, not as responsive as they should be?4. Is the patient too sick to take usual medications?5. If the patient is a child, do they just look ‘lousy’ to you?6. Do they have a significant rash in association with their illness?7. Do they have other health conditions that put them at higher risk of complications from influenza? These include being pregnant, having underlying heart disease (such as congestive heart failure) or lung disease (such as asthma or COPD / emphysema)? If they have any of these problems, call the patient’s physician about the illness and talk to them about being seen, or go to the emergency department if the patient seems too sick to wait.There is also a little questionnaire you can go to on the Web that will help you make this decision. It is available at XXXXXXXXX. You can complete the brief survey, and it might be able to help you with your decision. Don’t bother with the survey if the patient is too sick to wait around. And as always, you don’t have to make this decision alone – if you are uncertain, or worried about the patient (including if you are the patient), call your primary care provider and ask for some help making your decision.

Read more on H1N1: The Latest…


“The Real Deal: Making Big Changes With Small Change”

Updated 12 months ago

By- Marion SyversenNot everyone enjoys finance, though as this segment of the news states I think Finance is FUN! To try to help, and with the encouragement of WABI-TV5 staff, I wrote a book that mixes ‘Finance with Chocolate SauceTM’ and also includes home and garden improvement tips.What’s the book about?Making your money count by understanding some cost-cutting and savings tips for your present- home and garden improvement- and your future- retirement planning.Will it hurt to read?NO! And there are plenty of pictures and graphics. Plus it has plenty of ‘Marionisms.’Who’s the reader?Well, it’s for folks at any age who want some encouragement. I spoke to a Senior Symposium in Boston and will be speaking to college students. You read it Catherine. Who do you think would like it?Where can I buy the book?Amazon or for autographed copies www.MarionSyversen.com I can speak for no cost to you church or group. Contact me on the web site to register.Disclosure:Only securities and advisory services offered through Wall Street Financial Group, Inc. Registered Investment Advisor. Member FINRA/SIPC. Norumbega Financial and Wall Street Financial Group, Inc., are separate entities, independently owned and operated.

Read more on “The Real Deal: Making Big Changes With Small Change”…


L’Aperitif’s Herb Roasted Chicken Breast with Polenta and Succotash

Todd Simcox

Updated 12 months ago

Ingredients:4 6oz boneless, skinless chicken breasts 3 tbsp chopped parsley 1 tbsp chopped thyme 1 tbsp chopped rosemary 1 tbsp chopped sage 3 tbsp chopped garlic ¼ cup olive oil1 cup polenta 4 cups chicken stock4 ounces smoked gouda cheese½ diced red onion½ diced red pepper1 cup corn salt and pepper to taste Directions for Chicken1. Take all the herbs, garlic, and oil: spread the mixture all over the chicken breast. Let marinate in refrigerator for about 30 minutes.2. Get a sauté pan very hot, add the oil and put chicken breast down.3. Sear until golden brown on both sides.4. Put in 350 degree oven until 165 degrees.Directions for Polenta1. Add the chicken stock in a sauce pan.2. When the stock reaches a boil, add the 1 cup of polenta.3. Stir constantly to avoid lumps. Do this for about ten minutes.4. Polenta is gone when comes clean off the sides of the pan or when there is no crunch in the cornmeal.5. Add in the gouda and stir until melted.Directions for Succotash1. Add a little oil in your hot sauté pan.2. Add the onion and cook until translucent.3. Next add the red peppers and cook until soft.4. Last add the corn, salt and pepper, cook until heated through.

Read more on L’Aperitif’s Herb Roasted Chicken Breast with Polenta and Succotash…


Ahead of Your Time: Financial & Legal Planning Issues to Consider

Updated 12 months ago

Life is not all lollipops and sunshine. You already pragmatically address some of the daily down-side issues of life with the purchase of Band-Aids and toilet paper. But what do you need to plan for your ultimate earthly future?In the book Ahead of Your Time authors and local business owners, Dick and Sue Coffin, provide stories, insights and specific planning strategies to take control, of your final arrangements. Though this is an vitally important topic it is often ignored. Planning is the best gift you can give to your grieving loved ones. This week and next we will cover some of the tips offered in this essential book. (Available from Rogan’s Memorials and at www.aheadofyourtime.net Why do this, go through the trouble of having these decisions made? Anyone who has had a loss, be it sudden or after a long illness know that the trauma is enough to deal with. This is no time for arranging a large event, and that what a funereal can be. Control your future, show your love, whichever way you interpret this, pre-planning for you passing and the subsequent arrangements is really an act of love! (And it can save money.) Financial – If you were gone today, would your family know what bills to pay? Would they have money to pay those bills? Years from now would they still be okay or would your estate be eaten up in taxes? There are many aspects to getting your financial house in order for your heirs not least of which are the day to day concerns as well as leaving money for special needs family members or your charitable interests. Have annual family business meetings to help loved ones ‘be on the same page’ concerning the bills and papers required to run the household. List bank accounts, investment holdings and the location of important papers on a pad of list and share that information with your trusted loved ones. make copies for you attorney or executor. Check on your life insurance that your family will be provided for including college for kids or grandkids if that is your intention. Make sure that beneficiaries named on insurance for or annuities and investment accounts are current! These accounts bypass any will or other document and will go to your mother, even if you are married but forgot to change your beneficiary’s name! Legal- Is a will or trust the best vehicle for transitioning your goods to your family? Do you have the legal documents to appoint someone to speak for you in your final days if you cannot speak for yourself? Do you want your grieving spouse to be responsible for everything during the loss? May not. But you need to plan to lift these burdens from your loved ones in a time of loss and pain. For more information see the book Ahead of Your Time, by Sue and Dick Coffin available at www.Aheadofyourtime.net Citations: Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.com Check out our website that includes weekly streaming videosWWW.NorumbegaFinancial.com Voted Bangor’s Best Financial Planning Firm 2009 by Market Surveys of America In compliance with requirements from FINRA, all e-mail sent via the WSFG domain will be subject to review and archiving by Wall Street Financial Group, Inc.Email management, archiving monitoring technology powered by Smarsh, Inc. In compliance with requirements from FINRA, all e-mail sent via the WSFG domain will be subject to review and archiving by Wall Street Financial Group, Inc. Email management, archiving & monitoring technology powered by Smarsh, Inc. Disclosure:Only securities and advisory services offered through Wall Street Financial Group, Inc. Registered Investment Advisor. Member FINRA/SIPC. Norumbega Financial and Wall Street Financial Group, Inc., are separate entities, independently owned and operated. Norumbega Financial and all other individuals and companies referenced are separate entities, independently owned and operated

Read more on Ahead of Your Time: Financial & Legal Planning Issues to Consider…


Hunter’s Safety

Updated 5 years ago

By- Dr. Joan Marie PellegriniIt is that time of year again when we need to talk about hunter safety. Admittedly, accidents from hunting are way down compared with a few decades ago. However, the recent events in the news serves to remind us that this enjoyable activity has some dangers that can mostly be avoided.The Maine Department of Inland Fisheries and Wildlife has a webpage (www.state.me.us/ifw/) that is an excellent source of information on the current laws governing hunting. Below, I have included the ten rules for safety. One of the most important points to make is that many feel the law in 1973 mandating hunter orange clothing and the first hunter safety courses in 1986 (Portland Press Herald Dec 4, 2008) are responsible for the dramatic decrease in hunting accidents. A hunter safety course is not just for the young and new-to-hunting. Although it is not mandated by law, everyone can benefit from a refresher once in awhile. It is easy to become complacent after many years of hunting and being around guns. Hunter safety courses are not just about how to use a gun. There is also good information on the laws, navigation, survival, etc. To find out more about these courses go to the IFW webpage.Source: Maine Department of Inland Fisheries and Wildlife10 COMMANDMENTS OF HUNTER SAFETYGive every gun the respect due a loaded gun.Watch that muzzle and control its direction, even if you happen to fall.Be sure your target is the game your hunting, and identify beyond it before you pull the trigger.Be sure the barrel and action are clear of obstructions and that the ammunition is the proper size.Unload guns when not in use. Carry guns in cases to the shooting area.Never point a gun at anything you do not want to shoot, and never play.Never climb a fence or a tree or jump a ditch with a loaded gun. Never shoot a bullet at a flat, hard surface or water. And use an adequate shooting range backstop.Store guns and ammunition separately, beyond the reach of children.Avoid alcoholic beverages and other mood-altering drugs before and during shooting.

Read more on Hunter’s Safety…


L’Aperitif’s German sausage with Beer Mustard, Red Cabbage and Spatzel.

Todd Simcox

Updated 12 months ago

German Sausage2 bottles Samuel Adams Octoberfest beer2 cups chicken stock 4 garlic cloves 5 bratwurst1 cup whole grain mustardDirections:Mix beer, chicken stock, and garlic in pot. Bring to a light simmer. Add the bratwurst into the poaching liquid and cook until 145 degrees. For the mustard sauce, take the 1 cups of mustard and splash about 2 oz of beer and mix.Red Cabbage 2 heads red cabbage shredded 2 Cortland apples , diced 2 cups sugar 2 cups water 1 1/4 cups apple cider vinegara stick of butterDirections:Put butter in pan and sautÈ onions until translucent. Add the reaming ingredients to the pot and simmer for about 1 hour. German Spaztel1 lb flour7 eggs 8 ounces milk1 teaspoon nutmeg 2 ounces butter Directions:Bring a pot of water to a boil. Mix flour and nutmeg together. Mix the egg and milk together. Pour the wet into the dry. Will become a batter. If you have a spatzel cutter or anything with holes like a perforated spoon, push the batter through and into the water. Spatzel is done when it floats.

Read more on L’Aperitif’s German sausage with Beer Mustard, Red Cabbage and Spatzel….


Take this Job and Love it!

Updated 5 years ago

Reporter Adrienne Bennett was sporting an apron and cap as she tried out a new job for the day. She goes to school to learn the intricacies of cafeteria work in tonight’s “Take this Job and Love it!””Alright, perfect.” Donning an apron and hat, whaalaa, I’m ready to become a lunch lady.” It’s 10:30 and students at Mount View are hungry.Enna Moody is one of nine who work in the cafeteria feeding more than one thousand mouths each day. My first task — the sandwich station. “We call this sub Mount View.” “How many students come through here in a day?” “In the sandwich line? About 125 sandwiches per day.” Enna gives me a few tips on how to make the wrap.”Doesn’t make it right, just makes it my way.” And it’s harder than it looks when you’ve got to move fast.Next up – Hot foods.Today’s menu – Pasta salad, Popcorn chicken, asparagus with cheese and sweet potato fries. “Make sure you hit the plate. Haha” “This changes everyday, she makes something different everyday.” “This isn’t like the cafeteria I had when I was in school.” “no when you were in school every just got one dish.” Yeah, they’ve got some choices now.””That is asparagus with cheese on it. No asparagus with cheese this time.”Many of these junior high kids passed up the asparagus and went straight to the pizza, so my next stop was to slice it…Clearly, I’m not the one that does the cooking in my family…Gloria goes through 30 to 60 pizzas a day…(the walk out w/pizza shot)”Show me how you cut this bad boy.” “See that’s how it’s done.”So with all these plates going out…there’s one thing left to do…”The dishes.” “First of all you need gloves. Take dishes from that window and take them to the other side.” Faith has a system.”You have to be quick!” “I’m going, I’m going!”Occasional gum on the plate,”Stickers…”and stickers will slow you down…After rinsing, it’s off to stacking, but you’ve got to have a good eye.”Oh, we got a little spot.” Again, Faith, much faster than me.”I’m not that quick” “You get used to it.””Overall, with everything I did how’d I do? You did perfect, everything was really good.” “yay! Would you hire me?” Yes, Would you hire me?” Well how about you come do my job for a day?” Hahahah no!” But don’t let these ladies fool you, this is a demanding line of work – making me think I’ll stick to reporting for the kids sake. Adrienne Bennett, WABI TV5 News, Thorndike.If you have an idea for our next “Take this Job and Love it” report email us at wabi@wabi.tv

Read more on Take this Job and Love it!…


Using Halloween to Reinforce Year-Round Health and Safety Habits

Updated 5 years ago

By- Dr. Jonathan WoodThis year, consider using Halloween as an opportunity to discuss a number of global health and safety issues with your children. Yes, several pointed issues certainly all apply to the day itself. But this is also an opportunity to reinforce with your kids that the lessons of Halloween are worth applying to their lives every day of the year.Dental HealthCavities develop as a result of carbohydrates and the associated acids produced bathing the teeth. The total time and frequency of exposure is the key, not necessarily the amount of sugar. The acids remain in the mouth for approx 20 min after a snack or meal. This knowledge supports a number of healthy habits, Halloween-related or not:Candies or foods that bath the mouth for long periods (lollipops, dense sticky candies, etc) engender the greatest riskEating at proscribed meal and snack times, rather than “grazing”, will result in a healthier dental environmentTiming your Halloween candy consumption to around meals will reduce the associated risk of cavitiesSuggesting that kids eat little bits at a time and spread their candy consumption out over time will paradoxically increase their cavity riskEvening and Nighttime SafetyAs your kids prepare to wander the neighborhoods this year, use the holiday to remind them about pedestrian safety. It is especially important to stress that the driver visibility is at its worst during dusk, the time when many trick-or-treaters are out and about.Help your children choose costumes that offer adequate vision and mobilityConsider reflective costumes or at least adding some stick-on reflector materialFlashlights! One hand for the candy bag, one hand for the flashlight…!Review basic road crossing safety and stress the fact that these principles apply year ‘roundUse sidewalks whenever possible.Food AllergiesFor kids with food allergies, Halloween is a good time to review some of the principles of awareness and avoidance. Teach label reading to confirm that ingredients are acceptableUse the time to review the signs and symptoms of allergic reactions due to inadvertent exposureBe aware that “trick-or-treat” size candies occasionally do not contain the exact same ingredients as the full size version General Healthy Behaviors and Global Safety Issues With wood stoves fired up and with Jack-o-lanterns on porches, Halloween offers a context for reviewing fire safety. Also, consider fire safety when choosing costumes.Carving pumpkins offers a setting in which to review knife safety with small children and adolescents alike.Use Halloween to gently review stranger safety. Use the trick-or-treating experience to reinforce simple things like not getting in cars with strangers and not going into strangers’ homes unaccompanied. Halloween can be used to emphasize that most people are good people with good intentions, but that this doesn’t negate the value of prudence and being careful.Use Halloween to talk about peer pressure and mob mentality. For example, reinforce the difference between “tricks” and vandalism. Especially with older kids and adolescents, Halloween can offer an environment for trouble making. Prepare your kids with the means to identify and avoid inappropriate situations. Offering “scripts” for extracting themselves can be very helpful. Most important, discuss simple common sense with your kids. Nothing will serve them better than that! So, arm those kids with essential Halloween equipment (safe costume, good shoes, candy receptacle, flashlight, cell phone) and some common sense. They’ll have fun, learn some things along the way, and have plenty of year ‘round good habits reinforced!

Read more on Using Halloween to Reinforce Year-Round Health and Safety Habits…


Ahead of Your Time

Updated 12 months ago

Life is not all lollipops and sunshine. You already pragmatically address some of the daily down-side issues of life with the purchase of Band-Aids and toilet paper. But what do you need to plan for your ultimate earthly future? In the book Ahead of Your Time authors and local business owners, Dick and Sue Coffin, provide stories, insights and specific planning strategies to take control, of your final arrangements. Though this is an vitally important topic it is often ignored. Planning is the best gift you can give to your grieving loved ones. This week and next we will cover some of the tips offered in this essential book. (Available from Rogan’s Memorials and at www.aheadofyourtime.net Why do this, go through the trouble of having these decisions made? Anyone who has had a loss, be it sudden or after a long illness know that the trauma is enough to deal with. This is no time for arranging a large event, and that what a funereal can be. Control your future, show your love, whichever way you interpret this, pre-planning for you passing and the subsequent arrangements is really an act of love! (And it can save money.) Arrangements- I know you have opinions, and have ‘tsk tsk’-ed at the arrangements of others. Well, now’s your turn to plan your arrangements. Do you want to be cremated, have your ashes spread, or buried? Do you want a memorial service or a Mass, or both? Do you want a loud party or a solemn time for loved ones? Plan your service. You can make your arrangements as specific as you’d like with music chosen and the coffin. Compare funeral homes and find one that you like that has a great reputation in the community. Communicate your plans with close family members or friends and then rest easy. Markers- Anyone who has chosen furniture, built a house of done outdoor work knows that nature dwarfs our structures. If you want a stone or marker for a grave site, Sue and Dick suggest walking respectfully through cemeteries with a tape measure and measuring the size of stones or markers that you like. When you are in a little shop the markers appear much larger than they look out in a large cemetery. These are the kinds of things to consider when preplanning. What kind of stone do you like? Do you want an engraving, which is done in great detail by large computers, to reflect you love of sports or family? Make that image part of your plan. Your site- You may know in what cemetery you want to be buried but have you checked if there are any available plots for sale? Do you want to secure enough area for the kids, spouses and grandkids? Are you hoping to be buried in a cemetery that supports you religious beliefs? How many markers or stones are allowed per lot? These and other questions are listed in Ahead of Your Time and these are the answers you need to plan. Citations: and the book. Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.com Check out our website that includes weekly streaming videosWWW.NorumbegaFinancial.com Voted Bangor’s Best Financial Planning Firm 2009 by Market Surveys of America In compliance with requirements from FINRA, all e-mail sent via the WSFG domain will be subject to review and archiving by Wall Street Financial Group, Inc.Email management, archiving monitoring technology powered by Smarsh, Inc. In compliance with requirements from FINRA, all e-mail sent via the WSFG domain will be subject to review and archiving by Wall Street Financial Group, Inc. Email management, archiving & monitoring technology powered by Smarsh, Inc. Disclosure (same for both weeks but longer than normal disclosure):Only securities and advisory services offered through Wall Street Financial Group, Inc. Registered Investment Advisor. Member FINRA/SIPC. Norumbega Financial and Wall Street Financial Group, Inc., are separate entities, independently owned and operated. Norumbega Financial and all other individuals and companies referenced are separate entities, independently owned and operated.

Read more on Ahead of Your Time…


Muddy Rudder’s Grilled Turkey Breast in Adobo Sauce

Todd Simcox

Updated 12 months ago

Ingredients:4- 6oz Turkey breast cutlets1 can Adobo sauce (pureed)4- 4oz portions of Mashed potatoes4- 6oz Portions of vegetableDirections:Marinate Turkey Breast at least 3oz with adobo sauce.Grill on med-high heat until it reaches an internal temp of at least 165°.Slice and serve with mashed potato and vegetable.

Read more on Muddy Rudder’s Grilled Turkey Breast in Adobo Sauce…


MENU