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How do you remove the snow at your house?

Updated 4 years ago

Plow 27% (64 votes)Snowblower 29% (69 votes)Shovel 18% (41 votes)All of the Above 26% (62 votes)


Healthy Living: New Year’s Resolutions

Updated 4 years ago

By: Dr. David PrescottCommon Resolutions for 2011: According to a recent survey cited by Time Magazine, the recent worldwide economic recession seems to be impacting people’s wishes for the New Year. Globally, 40% of people cited improving their economic circumstances as next year’s goal. While many Americans share this goal, favorite U.S. resolutions included: ¨ Developing a healthy habit¨ Losing Weight¨ Getting OrganizedOther common resolutions in our country include quitting smoking, developing a relationship, or getting more education/job qualifications. Do Resolutions Help Us Change? Does setting any type of personal goal make a difference in whether or not we really stick to a change? Research on the impact of resolutions suggests that it does help! However, the majority of people who make some type of New Year’s Resolution find that they don’t make significant progress towards their goal. Psychologists have found that there are some very practical tips for improving your odds of meeting, or at least coming close to meeting, your New Year’s resolution. How Many People Stick to Their Resolution? More often than not, people do not stick to their New Year’s resolution for very long. In one study over two years, about one in five people (20%) are able to keep to their resolution. On the other hand, three in five (60%) dropped their resolution within 6 months. In a recently reported British study, 22% of people reported that they were “very successful” in keeping their resolutions. Interestingly, it doesn’t appear to matter that much what type of resolution you make. For example, people who picked “weight loss” weren’t more or less likely to keep their resolution than people who picked “improve my relationship.” It also doesn’t appear to matter whether you are male vs. female, or old vs. young. Tips for Keeping Your Resolution: What does appear to matter is how you go about specifying your goal, and how you arrange your life to try to meet that goal. Some of the most helpful ways to keep a resolution include the following: · Start Small – Just One Goal: It is usually easier to think of goals than to accomplish them. You have a better chance of progress if you stay focused on just one goal. Accomplishing one goal usually makes you feel better than falling short on many goals, no matter how worthy they are. · Get Some Support from Others: While the motivation to change often comes from within, sticking to your goal in the long run usually requires some support from others. Share your goal with people who will keep you on track. Other people can provide encouragement, ideas, and emotional energy when you feel your motivation start to wane. · Any Action leads to More Action: Doing something is, almost without exception, better than doing nothing when it comes to changing behavior. Changing one small behavior, for example exercising one time a week, usually leads to more and more change. Waiting until you are ready for the “big change” doesn’t work as well as taking one small step. · Plan for Relapse: People who make changes and stick to them often slip back to old ways at least once. Plan for this. How are you going to get back to your new ways? For example, if your goal is to exercise more, plan for the time when you miss your exercise. Think of ways that one missed day doesn’t become two. Reward your success, and move on quickly from your disappointments· Specify Your Goal: People who are successful in changing an unwanted habit are able to say exactly what it is they will do. People who are vague about their goal have less chance for success. Being specific also helps you actually make a start. Set a date and time to begin your change if possible. For example, saying that you want to “eat better” is a helpful, but setting a goal of eating one fruit and one vegetable at each meal is even better. Starting tomorrow! Or, if you want to get along with your in-laws better, deciding to send them a card once a month would be a more specific step. For More Information: Acadia Hospital Website: www.acadiahospital.org American Psychological Association Web Site: www.apahelpcenter.org

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What to Say When Kids Ask About Money

Updated 1 year ago

Not that your children would ever do this, but sometimes kids ask the darnedest questions. And money and the variation between what you have and the things or houses of others, may be the focus of some of those questions. An article by Ron Lieber had a few suggested conversations. How much do you make?- Kids compare height, running speed, and all manner of things when they are together. A child may not be looking for an actual amount when they ask what you make. Maybe they are worried about paying the bills, or wondering how come some people live in a bigger house than you. With older kids you could make a sample budget in a range of expenses. Include a mortgage and explain how much one house might cost if you save for a mortgage or buy it without saving. Show another mortgage and the difference because of the location or size of the house and the benefits of that. Add electricity and food costs and talk about what kind of job or career might be coupled with that needed income without getting specific about your family or others income or education. Are we rich?- For everyone having savings means spending less than we earn. But kids probably don’t know that. Maybe you could let your children understand either what percentage of what you earn goes into savings for emergencies and retirement or get a book about storing up what you get today for tomorrow. Don’t tell them specific dollar amounts but do explain the concept of setting today’s money aside for the future and the sacrifices that entails.Doing without- Things happen and explaining the financial reversal to kids can seem complicated. Kids have no idea about money unless you tell them without telling them the real details. Kids need to know if they will eat if you lost your job. The article suggested getting older kids to help figuring out where to cut back, ask for ideas on free fun family days or stay-cations ideas. When a stranger at the grocery store asks, How are you? It’s more a question of being polite and less a deep question about everything on your mind. The questions kids ask are sort of the same. Teach them principles about money that will help them in their own lives. Don’t tell them everything that is really going on in the household checking account. Citation:http://www.nytimes.com/2010/07/10/your-money/10money.htmlMarion 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 2008, 2009 & 2010 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. Wall Street Financial Group, Inc., Norumbega Financial and all other individuals listed below are separate entities, independently owned and operated.

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Were you prepared for the storm?

Updated 4 years ago

Yes 94% (303 Votes)No 6% (21 Votes)


When do you open your presents?

Updated 4 years ago

All on Christmas Morning 63% (236 votes)All on Christmas Eve 7% (27 votes)Both 27% (103 votes)I don’t celebrate Christmas 3% (10 votes)


Did you send out cards this holiday season?

Updated 4 years ago

Yes 61% (119 votes)No 37% (76 votes)


Are you more likely to fly out of Bangor or drive to a different airport?

Updated 4 years ago

Bangor 30% (97 votes)Different Airport 51% (164 votes)I don’t fly 19% (60 votes)


Healthy Living: Bipolar Disorder or Manic Depression

Updated 4 years ago

By: Dr. David PrescottBipolar Disorder – As With Many Psychiatric Disorders, Undertreated: A recent story in Florida, concerning a man who entered a school board meeting with a gun, highlights the need to ensure that people with mental illness receive professional treatment. News reports suggest that this man had bipolar disorder, a mood disorder involving wide fluctuations in mood, energy, and activity. But, like many psychiatric disorders, only a fraction of people with bipolar disorder receive proper treatment. Consider these facts: • Just under 3% of people in the United States experience bipolar disorder in any given year. • Almost 90% of these people are estimated to experience severe symptoms or disruption in functioning. • 51% of people with bipolar disorder receive no treatment• Only 39% of people with bipolar disorder are believed to receive adequate treatment. Famous People with Bipolar Disorder: Artist Vincent Van Gogh: performers Carrie Fisher, Dick Cavett, Margot Kidder, and Patty Duke: author Viginia Woolf. All of these well known personalities have, or are thought to have had, bipolar disorder. People with bipolar disorder may experience periods of time where they are creative, driven, and highly energetic. However, in spite of such periods of productivity, the disorder typically causes significant strain on relationships, families, and careers. Characteristics of People with Bipolar Disorder: While all of us experience “ups and downs” in our mood, people with Bipolar Disorder have mood swings which are extreme. Along with Major Depression, Bipolar Disorder is a psychiatric diagnosis that carries a relatively high risk for suicide or attempted suicide. The characteristic pattern involves periods of “up” mood (mania or hypomania) and periods of “down” mood (depression). Current classification of Bipolar Disorder involves Type I (full episodes of mania and depression), Type II (mild episodes of mania and full episodes of depression) and rapid cycling (mood fluctuations occur in time period of a day or even several hours, rather than weeks). Signs and symptoms of Mania (lasts one week or more): • Excessive energy, activity, or restlessness• Excessive “high” or good mood• Rapid and pressured speech• Significant decreased sleep• Irritability• Poor judgment• Denial that anything is wrong Signs and symptoms of Depression• Decreased energy or activity level• Sad or depressed mood• Preoccupation with death or suicide• Lack of interest in activities• Excessive sleep or difficulty falling asleep• Change in appetite (usually diminished)Can Children or Adolescents have Bipolar Disorder? Like many psychological disorders, bipolar disorder is more difficult to identify in children and adolescents. Some experts argue that the disorder does not truly exist in children, while others argue that it is under-identified and treated. Especially with bipolar disorder, a thorough assessment by a licensed mental health provider, like a psychologist or psychiatrist, is a good first step. How is Bipolar Disorder Treated? Author Kay Redfield Jamison, a physician who writes about her own experience with bipolar disorder, talks about the importance of combining medicine with counseling to address bipolar disorder. Treatments for Bipolar Disorder Include: * Medicines such as lithium have proven highly effective in controlling mood swings. Newer medicines, like Depakote or atypical antipsychotic medications may also help some people with bipolar disorder. * Behavioral Treatment to Help Keep Daily Activity and Sleep Routines Consistent: While behavioral treatments do not make bipolar disorder go away, the impact of bipolar disorder can be greatly reduced by helping people maintain consistency in their daily routines (for example, meal times, physical activity) and sleep. * Cognitive-Behavioral Therapy and Education: Recognizing early signs of an extreme mood swing is important in treating bipolar disorder. Counseling can help people with bipolar disorder identify early signs of mood swings, help people adjust to a less energized lifestyle, and help them avoid patterns of thinking which lead to more severe depression or mania. For More Information: National Institute of Mental Health: http://www.nimh.nih.gov/health/publicationsAmerican Psychological Association: http://www.apa.org/topics/bipolarNational Alliance of Mental Illness: http://www.nami.org

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The Best and Worst Business to Start-Up

Updated 1 year ago

As a business owner I am passionate about business and enthusiastic about new businesses. Several friends of mine have launched businesses this past year. If you are thinking of starting a business in 2011 consider the chances for success. This list of best and worst businesses for the next decade from Inc. magazine may help. With an aging population nearing retirement you can understand the need for estate and trust planning as well as retirement planning services. Using technology for communication and shopping is also a trend that we are seeing.The worst industries, which are available on our web site, WABI.TV, includes small appliance manufacturing, DVD and video rental, and photofinishing. These trends are only a guess and a possible indication of the future. But if I were going to start a new business I would consider these lists.Citations:http://www.inc.com/news/articles/2010/01/best-and-worst-industries.htmlMarion 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 2008, 2009 & 2010 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. Wall Street Financial Group, Inc., Norumbega Financial and all other companies listed herein are separate entities, independently owned and operated.

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How much Christmas shopping have you done?

Updated 4 years ago

All of it 65% (146 VOTES)Some of it 27% (60 VOTES)I’ll start this week 8% (19 VOTES)


Do you agree with the extension of the Bush Era Tax Cuts?

Updated 4 years ago

Yes 84% (348 votes)No 16% (65 votes)


What should happen to the owner of a dog that attacks someone?

Updated 4 years ago

Jail Time 2% (7 votes)Forced to pay all related medical bills 36% (121 votes)Fines 7% (23 votes)All of the above 53% (178 votes)Nothing 2% (8 votes)


Butterscotch Noodle Cookies

Updated 1 year ago

Ingredients:

1-12 oz package butterscotch chips1-6 oz dry chow mein noodles

Directions:

Slowly melt chips.Place noodles in large bowl.Place melted chips over noodles and mix.On wax paper place tablespoon size cookiesMakes about 12Recipe Courtesy: Vicki Billings-Rowle

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Taffy Recipe

Updated 1 year ago

Ingredients:

1 ½ cups sugarPinch of salt½ cup light corn syrup¼ cup water2 tablespoons butter½ teaspoon peppermint extract

Directions:

Butter small cookie sheet.Mix all ingredients into a med sauce pan except peppermint.Cook, stirring constantly until mixture reaches hard-ball stage (255*F)Remove from heat, stir in peppermint.Pour onto buttered pan.When cool enough to handle, pull candy with buttered hands until it becomes white and stiff.Pull into long rope and cut.Cover each piece with wax paper.Makes ¾ lbRecipe Courtesy: Vicki Billings-Rowle

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Should Police Dogs get benefits?

Updated 4 years ago

Yes 36% (132 votes)No 64% (239 votes)


Money Does Not Always Equal Happiness

Updated 1 year ago

With commercials starting before Thanksgiving, planning for Christmas can take on a life of its own and consume more than 10% of the year. That sometimes get you think in a grouchy way about your money and possessions. If only you had…blah, blah, blah. How much money would make you happy? Two studies, featured in a Yahoo finance article by Laura Rowley, will give us some ideas.Not feeling it- $ 75,000 has long been stated as the amount of earnings most folks feel maximum happy for income. Really, there after all the money you have does not increase happy ‘feelings.’ Having enough income to have food, buy gas and oil is one important reason for happiness. And according to researchers it is more likely that you will happy if you are wealthy. But another way to measure happiness, measuring lhow many times you laughed or had positive social interactions, has very little to do with money an how much you earn. Were you treated with respect? Do you get to do what you love? Did you get to learn something new or help people? These measures have a more significant impact on happiness than income and earnings. And these measures are consistent across ethnic and geological boundaries. People around the world have similar feelings of happiness for the same reasons.Not much change- Above certain levels of steady income there is more impact because of your personality and decisions than as the result of the increased income. Under certain incomes there is significant stress, but according to one Nobel laureate, going from $100,000 to $150,000 has no significant increase in happiness.Basic needs- when basic needs are not met respondents said they were less happy, as you can understand. But most people in whatever the country judge themselves and their happiness on a ‘ladder’ of comparison to themselves and others and based on their progression from one year to the next. Making some progress is helpful to happiness.. At this time of love and sharing, potentially increase your satisfaction by helping those whose basic needs may not be met and bring joy in your heart this season.Citation:How much money do you need to be satisfied?http://finance.yahoo.com/expert/article/moneyhappy/254377Marion 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 2008, 2009 & 2010 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. Disclosure:Only securities and advisory services offered through Wall Street Financial Group, Inc. Registered Investment Advisor. Member FINRA/SIPC. Wall Street Financial Group, Inc., Norumbega Financial and all other entities listed herein are separate entities, independently owned and operated.

Read more on Money Does Not Always Equal Happiness…


Would it be better if this had been snow?

Updated 4 years ago

Yes 39% (127 votes)No 61% (202 votes)


Do you think Maine is too generous in its social welfare programs?

Updated 4 years ago

Yes 89% (588 votes)No 11% (70 votes)


Have you noticed a change on Maine roadways since Senator Collins’ Highway Weight Limit pilot program went into effect last year?

Updated 4 years ago

Yes 27% (64 votes)No 73% (172 votes)


How would you make Maine more business friendly?

Updated 4 years ago

Better Health Care 7% (13 votes)Lower Taxes 40% (76 votes)Tax Incentives 14% (26 votes)Less Regulation 35% (66 votes)Other: 4% (7 votes)


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