Broccoli Ale Cheddar SoupIngredients:(Mirepoix)8oz. diced onion/celeryÂ½ lb. butterflour as needed2 quarts vegetables stockcarrotsbroccoli8 oz. beer1 Â½ lbs. cheddar cheese1 teaspoon dry mustard1 tablespoon hot sauce1 tablespoon worcestershire1 teaspoon white pepper1 tablespoon salt1 quart heavy creamDirections:1.Steam broccoli and carrots for 1 minute.2.In a separate pot, heat vegetable stock. 3.In another pot, combine diced celery and onion, butter. Add flour gradually to thicken to make mirepoix. 4.Gradually add stock to mirepoix and whisk to make smooth.5.Add most of beer and bring to a slight boil.6.Add cheese slowly and whisk to make smooth.7.Add hot sauce, Worcestershire, salt and pepper.8.Mix rest of beer with dry mustard and add to soup.9.Add heavy cream.10.Add broccoli and carrots to soup. Gently stir to incorporate.11.Serve and enjoy!
EVALUATING A BUSINESS IDEA:I got a call a call from a viewer asking me to help him decide which business he should start. He had about ten very different ideas and hoped I would instantly know which one he should pick. My answer to him was I can’t tell you that but I can tell you how you can decide that for yourself.And here’s howâ€¦First of all narrow down the business ideas to those that you are the most excited and passionate about. Be sure you understand all of the duties and responsibilities required to successfully run the business and decide if it’s something you really want to do. Next ask yourself which idea is the most feasible. How much money will it take to start up and do you have it or can you access it? What skills are necessary to run the business and do you possess those skills or can you acquire them? Do you have or can you find the right location suitable for your business idea?Third and really the most important question to ask yourself when evaluating a business idea is this – is there a market? Will people pay you money for the product or service you will offer. You also need to determine if the business can be profitable by estimating your expenses and projected revenues.Having many great ideas for a new business is a very good thing but it can be challenging too. By applying these questions to your ideas you can better determine which idea is the one most likely to bring you success!I’m Deb Neuman for WABI TV 5 News
Every now and then, we all wonder what it would be like to switch jobs and try something else.Amy Erickson’s been giving it a try lately.This month, at the suggestion of viewers, she put on her boots and went down on the farm.She has more in “Take This Job and Love It.”Justin Veazie is my boss for the day at Veazland Farms in Corinna.Justin’s a fourth-generation dairy farmer…and he’s convinced he can teach me to milk with the best of them.”It’s not bad. I think you can do it. Alright. But it’s kind of a dirty job? Yeah, they poop in there and pee in there and it splatters on the floor. Do you ever get kicked? Yeah, you can. Some of them do.”Not exactly what I wanted to hear, but I head in to the milking parlor to get started.”8 cows on each side will come in. You’ll pre-dip a cow, wipe her teats, put the milker on there.”As luck would have it, just as I’m getting my lesson…”Oh! (runs away) She just peed on me! Told you you were going to get peed or pooped on!”After two more cows christened me, it was back to milking.First, the iodine spray, then a wipedown…then I have to squeeze a little milk by hand to make sure it looks okay.(Squirts milk from teat) “Ah, I did it! Nice! I’ve always wanted to do that, actually.”Then it’s time to attach the milker.”Yhis one already peed, right? Yeah, just watch out for poop. Just press it like this. Get all 4. There you go.”bite 6:18 “just like a pro. Hey, how about that?! You did it.”I milk half a dozen cows in all…then send them on their way back to the barn.”Hey, good work ladies. Thanks for the milk.”I’m feeling pretty good about farm life until Justin tells me about his other job on the farm.He artificially inseminates the cows…by hand.”So you call it breeding? Yeah, artificially inseminating. Can I pay you to get out of doing that today? That’d be nice, yeah!”Justin takes pity on me and lets me bottle-feed a day-old calf instead.”Come here baby, come here! Ready?! Oops, sorry, I got your eye! Alright, calf.””Jeez…a baby is way easier! Yeah.”My final assignment for the day? Learn how to drive this tractor.Yikes.”Hop in. These tires are as big as me!(climbs in)””Just let out on the clutch. You won’t stall it or anything. You have a lot of faith in me! Oh, yeah. I think you can do it.”And I did…but not without a few bumps…”Oh, I’m going to turn it around? (bump) Oh, my God! Ok, you can stop. Clutch.”The ultimate test was backing it into its spot…somehow, I did it, and the tractor is no worse for the wear.”I can’t believe I did that. I can’t believe I just drove a tractor and backed it in. This is pretty cool. You did a good job.””How do you think I did? I think you did good. Milking went well, calf feeding went real well. What do I need to work on? In general? In general. I don’t know, I think you did good. Yeah? Yeah. So I could’ve been a farm girl in another life? We could get you trained, yup.”Amy’s always looking for suggestions for her next job swap.If you have an idea, email her at AErickson@wabi.tv
By Dr. David PrescottEating Disorders are More Common than You Think: Eating Disorders, which include anorexia nervosa, bulimia, and binge eating disorder, are estimated to impact about 10 million people in the United States. While this statistic looks even more significant when contrasted to other significant conditions. For example, the number of people with eating disorders is close to 5 times the number of people with schizophrenia (around 2.2 million) and more than twice the number of people with Alzheimer’s disease (around 4.5 million). Thus, eating disorders touch the lives of many, many people in your city, town, or community. Another alarming statistic: anorexia nervosa has the highest premature death rate of any psychiatric disorder. However, some good news: while treatment for anorexia may take several years, treatment outcomes over the long run are generally better than other conditions relating to weight, such as treatment for obesity. What are the Types of Eating Disorders? There are three major types of eating disorders. Anorexia Nervosa involves having a distorted body image where a person sees themselves as overweight even when they are dangerously thin. People with anorexia have an intense fear of gaining weight, and often develop unusual habits such as refusing to eat around other people. Anorexia usually occurs in women, and is often accompanied by infrequent or absent menstrual periods. Bulimia Nervosa involves eating excessive quantities of food, sometimes in secret, then trying to purge the body of the food and calories by using laxatives, vomiting, exercising or diuretics. People with bulimia nervosa usually feel ashamed and disgusted as they binge, yet also feel relieved of tension once the binge-purge cycle is complete. Binge Eating Disorder involves frequent episodes of excessive, out-of-control eating. However, there is no attempt to purge the body of excess calories. How do I know if I am at risk for an Eating Disorder? Obviously, the determination of when concerns with food, eating and body image cross the line from “normal concern” to “psychological problem” varies from person to person. However, if you answer “yes” to any of the following questions, it may suggest that you are at risk for an eating disorder: Are you constantly preoccupied with weight and intense fear of becoming fat?Do you believe that your body weight needs to be below what is recommended by physician or dietician? If you are a woman, have you skipped or stopped a menstrual period when you were losing weight? Do you frequently feel out of control when you eat? How much of your eating is secretive or hidden from others? Have you tried, or strongly considered, trying to lose weight by vomiting, using laxatives, or exercising according to how much you eat? What Causes Eating Disorders? Many people believe that American society is largely to blame for the high rate of eating disorders, since we emphasize thinness and appearance to an extreme degree. Adolescent and young women account for 90 percent of eating disorder cases according to the National Institute of Mental Health. Other factors which appear to play a role include: Personality traits like low self-esteem, perfectionism, or feeling helpless. Family relationships that involve excessive teasing about appearance, or excessive emphasis on dieting or controlling food intake. Other psychological disorders like depression, anxiety disorders, or substance abuse. It is important to understand eating disorders as a treatable psychological disorder, rather than a failure of will or lack of behavioral control. Is Treatment for Eating Disorders Necessary? The sooner that treatment starts for an eating disorder, the easier it is to treat. Eating disorders don’t usually go away by themselves. And, if left untreated, eating disorders can cause serious physical problems (like anemia, tooth decay, and hair and bone loss) as well as severe emotional distress, getting help is vitally important. Treatment often involves working with a licensed psychologist or therapist, dietician, and physician. Where else can I find help? Information about eating disorders is available at:Â· American Psychological Association (www.apa.org)Â· National Institute of Mental Health (www.nimh.nih.gov)Â· National Eating Disorders Association (www.nationaleatingdisorders.org)Information about mental health and substance abuse, including eating disorders is available at: Â· Acadia Hospital – 1-800-640-1211 or www.acadiahospital.org
Jobs- Increasing unemployment numbers continue to weigh on markets and on employers. Even if business is good for us we perceive news reports as more indicative of how things are really going. Unemployment figures are lagging indicators, which means that even as other areas of the economy recover job losses may continue to rise. Oil- Oil prices which had gotten a bit over $70 a barrel dropped to below $65 a barrel because of concerns that if folks are out of work they won’t travel as much, there will be a lower demand for oil. That matters to us as consumers, because we like low oil prices. But local employers, such as Cianbro, who are developing oil refinery rigs, have potentially more work when oil prices are higher and the risk of development is rewarded with higher profits. Housing – Figures for Maine are mixed with May sales for Penobscot county up. Figures statewide show sales over a three-month period declining. Prices also continue to drop but they are down by 12% over March, April and May. What does it all mean? Things aren’t great, but they aren’t continuing to nosedive. They seem to be more stable. Be cautious and steady in your finances. Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.com
Spinach DipIngredients:1 tablespoon minced garlic1 8oz. package of fresh baby spinach1 teaspoon vegetable oil1 lb. cream cheese1 cup grated parmesan5 oz. sour cream1 8oz. can of artichoke hearts, drained and choppedsalt and pepper to tasteDirections:In a large sautÃ© pan, heat garlic and oil over medium heat. Add half of the spinach and stir. Add the softened cream cheese and stir. When the cream cheese melts, add the remaining spinach and parmesan cheese. Stir until mixture begins to melt. Next add sour cream and sprinkle with salt and pepper. Continue to stir ingredients until well mixed. Remove from heat. Pour mixture into a food processor and mix briefly at medium speed. Pour dip into a casserole dish and add artichokes.If dip is made for immediate serving, keep at room temperature. If the dip is made for a later date, it can be refrigerated and then reheated in the oven for 10-15 minutes at 350Â°. Serve with tortilla chips, toasted focaccia points or any of your favorite vegetables.
-By Dr. Jonathan WoodWhat can we do?On average, children and adolescents spend more than 6 hours a day with media – more time than in formal classroom instruction. In addition, parental monitoring of media use is extremely difficult and US youth have unprecedented access to it: two-thirds have a television set in their bedroomshalf have a VCR or DVD playerhalf have a video game consolealmost one-third have Internet access or a computer.It is now clear that media has an influence on a variety of health issues, such as sex, drugs, aggressive behavior, obesity, eating disorders, and suicide. While the media are not the leading cause of any pediatric health problem in the United States, they do make a substantial contribution to many health problems, including the following:Violence Research on media violence and its relationship to real-life aggression is substantial and convincing. Young persons learn their attitudes about violence at a very young age and, once learned, those attitudes are difficult to modify. Conservative estimates are that mediaviolence may be associated with 10% of real-life violence. Office counseling about media violence and guns could reduce violence exposure for an estimated 800 000 children per year.Sex Several longitudinal studies have linked exposure to sex in the media to earlier onset of sexual intercourse, and 8 studies have documented that giving adolescents access to condoms does not lead to earlier sexual activity. The media represent an important access point for birth control information for youth: however, the major networks continue to balk at airing contraception advertisements at the same time they are airing unprecedented amounts of sexual situations and innuendoes in their prime-time programs.Drugs Witnessing smoking scenes in movies may be the leading factor associated with smoking initiation among youth. In addition, young persons can be heavily influenced by alcohol and cigarette advertising. More than $20 billion a year is spent in the United States on advertising cigarettes ($13 billion), alcohol ($5 billion), and prescription drugs ($4 billion).Obesity Media use is implicated in the current epidemic of obesity worldwide, but it is unclear how. Children and adolescents view an estimated 7500 food advertisements per year, most of which are for junk food or fast food. Contributing factors to obesity may include that watching television changes eating habits and media use displaces more active physical pursuits.Eating Disorders The media are a major contributor to the formation of an adolescentâ€™s body self-image. In Fiji, a naturalistic study of teenaged girls found that the prevalence of eating disorders increased dramatically after the introduction of American TV programs. At the same time, clinicians need to recognize the extraordinary positive power of the media. Antiviolence attitudes, empathy, cooperation, tolerance toward individuals of other races and ethnicities, respect for older people – the media can be powerfully pro-social. Media can also be used constructively in the classroom in ways that are better than traditional textbooks. For instance, middle school students are often assigned to read Romeo and Juliet as their first exposure to Shakespeare. Might it not be more effective, given that Shakespeare wrote hisplays to be observed and not to be read, to watch one of the at least 10 different versions available on DVD? Reading Civil War history using a textbook pales in comparison to watching a TV documentary bring history to life. What could be a more entertaining way to teach highschool physics than using episodes of Mythbusters? In addition, no drug or sex education program is complete without a media component.A kinder, gentler, more responsive public media would be nice but is unlikely. Hollywood has been resistant to any outside criticism, the Motion Picture Association of America ratings have remained closed to scrutiny for decades, and the TV ratings are not understood by most parents. The Internet cannot be regulated. More graphic violence on TV shows and movies, more sexual suggestiveness in primetime shows, and more edgy advertising can be expected in the future. Easier access to media will occur as cell phones are used to download TV shows and movies, and soon a personal Internet device (about the size of a paperback book) will allow instant online access anytime and anywhere. Conclusion? The solution to childrenâ€™s exposure to inappropriate media cannot rely on its producers.So what can we do? How can parents, teachers, pediatricians work together to minimize the negative effects of media and at the same time celebrate the positive aspects?Broad based education of parents, teachers, and clinicians through PTA meetings, teacher in-service training, and conferences is necessary. Education of students about the media should be mandatory in schools. Parents have to change the way their children access the media:o not permitting TV sets or Internet connections in the childâ€™s bedroom. Research has clearly shown that media effects are magnified significantly when there is a TV set in the childâ€™s or adolescentâ€™s bedroomo limiting entertainment screen time to less than 2 hours per day, and o co-viewing with their children and adolescents. o PG-13 and R-rated movies need to be avoided â€“ the content is clearly inappropriate for young children.Clinicians need to ask 2 simple questions at routine visits. Is there a TV set or Internet connection in the bedroom?How many hours per day does the child or adolescent spend with a screen? The media is a powerful teacher of children and adolescents â€“ the only question is what are they learning and how can it be modified? When children and adolescents spend more time with media than they do in school or in any activity except for sleeping, much closer attention must be paid to the influence media has on them.
Here are some tips on creating a life that allows you Financial Independence! Marry a true partner- Peace at home and unity in making big decisions will simplify your life and save you money. Respect each other. Never be a bully. Being a bully means you are pushing through a decision that isn’t one that your loved one agrees with but you force it on them. Not good. Life’s not about the money- True happiness isn’t a life filled with possessions. True happiness is found in loving others. Stop collecting expensive things to fill your life. That means being smart about spending on your house, car, and other possessions. I have beautiful things, but I didn’t pay a lot for them. Debt- If you are not working to live, but because you HAVE to take a job you don’t like or one that has too much pressure just to pay your bills and debt, you’ll soon see the wisdom in having – or paying off your debt. Having lower expenses or less to no debt allows you to have a job that you enjoy. Start saving- Just the discipline of saving $5 a week will be rewarded. We’ve all read about folks with simple jobs who squirreled away small amounts of money that added up over time to provide a surprise inheritance. Monthly bills aren’t a stress-filled event when you live a bit more simply. Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.com
Chicken PiccataIngredients:2 boneless, skinless chicken breasts1 cup flour4 oz. vegetable oil, divided10 oz. pasta or rice, cooked according to directions1 tablespoon minced garlic1 tablespoon minced shallots1 tablespoon capers8 oz. dry white wine (Chablis recommended)1 oz. lemon juice6 pats butter, softenedDirections:Dredge chicken breasts in flour, shake off excess. Put in hot sautÃ© panwith 3 oz. oil. Sear chicken on both sides then bake in 350Â° to finish.While the chicken is baking, you can now start the sauce. In a smallsaucepan, heat 1 oz. of oil, add garlic, shallots, and capers until thegarlic aromatizes. Next add wine and lemon juice and let simmer untilreduced by two-thirds. When sauce is reduced, remove from heat and stir insoft butter. Pour sauce over rice or pasta and chicken and serve.
– By Dr. Erik SteeleA heart attack occurs when blood flow to a section of heart muscle becomes blocked. If the flow of blood isn’t restored quickly, the section of heart muscle becomes damaged from lack of oxygen and begins to die.Heart attack is a leading killer of both men and women in the United States. But fortunately, today there are excellent treatments for heart attack that can save lives and prevent disabilities. Treatment is most effective when started within 1 hour of the beginning of symptoms. If you think you or someone you’re with is having a heart attack, call 9-1-1 right away.Heart attacks occur most often as a result of a condition called coronary artery disease (CAD). In CAD, a fatty material called plaque builds up over many years on the inside walls of the coronary arteries (the arteries that supply blood and oxygen to your heart). Eventually, an area of plaque can rupture, causing a blood clot to form on the surface of the plaque. If the clot becomes large enough, it can mostly or completely block the flow of oxygen-rich blood to the part of the heart muscle fed by the artery. Heart With Muscle Damage and a Blocked ArteryDuring a heart attack, if the blockage in the coronary artery isn’t treated quickly, the heart muscle will begin to die and be replaced by scar tissue. This heart damage may not be obvious, or it may cause severe or long-lasting problems. Severe problems linked to heart attack can include heart failure and life-threatening arrhythmias (irregular heartbeats). Heart failure is a condition in which the heart can’t pump enough blood throughout the body. Ventricular fibrillation is a serious arrhythmia that can cause death if not treated quickly.Get Help QuicklyActing fast at the first sign of heart attack symptoms can save your life and limit damage to your heart. Treatment is most effective when started within 1 hour of the beginning of symptoms. The most common heart attack signs and symptoms are:Chest discomfort or pain-uncomfortable pressure, squeezing, fullness, or pain in the center of the chest that can be mild or strong. This discomfort or pain lasts more than a few minutes or goes away and comes back.Upper body discomfort in one or both arms, the back, neck, jaw, or stomach. Shortness of breath may occur with or before chest discomfort. Other signs include nausea (feeling sick to your stomach), vomiting, lightheadedness or fainting, or breaking out in a cold sweat. If you think you or someone you know may be having a heart attack:Call 9-1-1 within a few minutes-5 at the most-of the start of symptoms. If your symptoms stop completely in less than 5 minutes, still call your doctor. Only take an ambulance to the hospital. Going in a private car can delay treatment. Take a nitroglycerin pill if your doctor has prescribed this type of medicine. Each year, about 1.1 million people in the United States have heart attacks, and almost half of them die. CAD, which often results in a heart attack, is the leading killer of both men and women in the United States. Many more people could recover from heart attacks if they got help faster. Of the people who die from heart attacks, about half die within an hour of the first symptoms and before they reach the hospital.From 6/23/09The Organ Donation Process – By Dr. Joan PellegriniThere is extensive information available about how to become an organ and tissue donor. Most of us by now know that there are 100,000 people in the US waiting for a life-saving organ transplant. We even make it easy in the State of Maine by allowing you to designate yourself as a donor when you get or renew your driver’s license. However, there is almost no information out there about what this might mean for your loved ones if the time comes for them to be notified that you are a potential organ donor.The vast majority of organ donors sign a declaration card without knowing exactly what this will mean for their family and loved ones if in fact something tragic really does happen to them. I very much want everyone to be an organ donor but I also want donors and their families to be well-informed about the processes that will take place. Once you sign an organ donor card, please tell your family about your wishes. Then, tell them what might happen if you are a potential donor. Our local resource is the New England Organ Bank (www.neob.org or 800-446-6362). Their website does not have this type of information but you may call them with questions. Alternatively, you may print this page to help you discuss this with your family.Many of us think that if we are an organ donor, then our organs will be taken as soon as we die. Unfortunately, if your heart is not beating, then the doctors will not be able to use your organs. You may still be a bone and tissue donor though. In order for you to donate organs, your heart and lungs must still be alive in order to keep your organs alive.Most organ donors have had a sudden illness such as a stroke or heart attack or have been critically injured. If this were to happen to you, before approaching your family about donating your organs, the doctors usually first determine that your brain is dead and there is no chance for recovery. In order for your organs to be donated, the doctors and nurses must keep your heart and lungs alive on a breathing machine in the intensive care unit. Your illness or injury may not be visible and so you may look very much alive to your loved ones. Because you may look “OK”, the news will be even more difficult for your family to understand. Your family will be devastated by the bad news and this would be a terrible time for them to learn that you wish to be an organ donor in the event of your death.Organ donation does not happen immediately after it is determined that you are a potential donor. In fact, it may take 12-24 hours or even more. The reason for this is that the organ procurement organization (OPO) must review your medical history and do lab tests to look for reasons why they may not be able to use your organs. Some of these tests take hours for the results to come back. Also, some of these tests are actual procedures that take some time to be done (cardiac catheterization, bronchoscopy, tissue biopsies to name a few). Once your organs are found to be transplantable, the OPO must then match them to people on the waiting list who have your same blood type and tissue characteristics. Coordinating this effort takes time.Steps that you should take:Decide to be an organ and tissue donor.Let your family and loved ones know about your wishes.Tell your family that if something terrible were to happen to you, the doctors and nurses will help them to understand what is happening.If the medical team determines that your illness is likely nonsurviveable, they will discuss organ donation with your family.If you become an organ donor, the team will need several hours to coordinate this effort. The medical team will spend quite a bit of time with your family to help them understand the process.
- By Dr. Joan PellegriniThere is extensive information available about how to become an organ and tissue donor. Most of us by now know that there are 100,000 people in the US waiting for a life-saving organ transplant. We even make it easy in the State of Maine by allowing you to designate yourself as a donor when you get or renew your driver’s license. However, there is almost no information out there about what this might mean for your loved ones if the time comes for them to be notified that you are a potential organ donor.The vast majority of organ donors sign a declaration card without knowing exactly what this will mean for their family and loved ones if in fact something tragic really does happen to them. I very much want everyone to be an organ donor but I also want donors and their families to be well-informed about the processes that will take place. Once you sign an organ donor card, please tell your family about your wishes. Then, tell them what might happen if you are a potential donor. Our local resource is the New England Organ Bank (www.neob.org or 800-446-6362). Their website does not have this type of information but you may call them with questions. Alternatively, you may print this page to help you discuss this with your family.Many of us think that if we are an organ donor, then our organs will be taken as soon as we die. Unfortunately, if your heart is not beating, then the doctors will not be able to use your organs. You may still be a bone and tissue donor though. In order for you to donate organs, your heart and lungs must still be alive in order to keep your organs alive.Most organ donors have had a sudden illness such as a stroke or heart attack or have been critically injured. If this were to happen to you, before approaching your family about donating your organs, the doctors usually first determine that your brain is dead and there is no chance for recovery. In order for your organs to be donated, the doctors and nurses must keep your heart and lungs alive on a breathing machine in the intensive care unit. Your illness or injury may not be visible and so you may look very much alive to your loved ones. Because you may look “OK”, the news will be even more difficult for your family to understand. Your family will be devastated by the bad news and this would be a terrible time for them to learn that you wish to be an organ donor in the event of your death.Organ donation does not happen immediately after it is determined that you are a potential donor. In fact, it may take 12-24 hours or even more. The reason for this is that the organ procurement organization (OPO) must review your medical history and do lab tests to look for reasons why they may not be able to use your organs. Some of these tests take hours for the results to come back. Also, some of these tests are actual procedures that take some time to be done (cardiac catheterization, bronchoscopy, tissue biopsies to name a few). Once your organs are found to be transplantable, the OPO must then match them to people on the waiting list who have your same blood type and tissue characteristics. Coordinating this effort takes time.Steps that you should take:Decide to be an organ and tissue donor.Let your family and loved ones know about your wishes.Tell your family that if something terrible were to happen to you, the doctors and nurses will help them to understand what is happening.If the medical team determines that your illness is likely nonsurviveable, they will discuss organ donation with your family.If you become an organ donor, the team will need several hours to coordinate this effort. The medical team will spend quite a bit of time with your family to help them understand the process.
It’s likely that at this very moment – someone owes you money! I’m hearing from many business owners that one of their greatest challenges in today’s economy Is collecting receivables. Here are some tips to help you reduce your receivables and collect more of the money that is owed to you.One – Start by reviewing how much credit your business has extended to customers and how that’s impacting your cash flow. You may want to renegotiate some of your terms with existing customers and limit the credit you extend to new ones.Two – When offering discounts to customers who pay early write on the invoice the actual dollar amount they would save rather than a percentage. For example if you pay by September first you owe one hundred dollars – by September thirtieth one hundred and twenty dollars. Seeing actual dollar amounts greatly improves the chances your customers will pay you sooner rather than later.Three – Be willing to negotiate a payment arrangement with slow paying customers who are good customers. Collecting something is better than nothing and it creates goodwill with good customers who may be experiencing temporary cash flow set backs.Four – Bill often. Rather than billing once a month – establish a payment schedule with the customer from the beginning that’s based on certain milestones or deliverables and bill accordingly. Staggering your billing among many customers will help to improve your cash flow.And finally if you’re slow paying your bills because others are slow paying you contact the people you owe money to and discuss a way to resolve the situation. They’ll likely be more willing to work something out with you if reach out to them first.I’m Deb Neuman for WABI TV 5 News
I recently reread The Millionaire Women Next Door, by Ph. D. Thomas Stanley. Subtitled ‘The Many Journeys of Successful American Business Women’, the book compiles research on these women and their spending habits, as well as their views on work and family. It’s an interesting book. Here are the priorities that these women have developed. Perseverance – These women are intelligent but do not test at genius level. They ascribe their success to never giving up. They believe in persevering through every difficulty. Forgetfulness- By this I mean that millionaire women choose to let go of mistakes and wrongs done to them or by them. They purposely live in the present and discipline themselves to stay there. Family- Family is most important to millionaire women. They spend smaller amounts on themselves and often – not necessarily wisely- overspend on their children. They buy used cars for themselves, stay in their neighborhoods even while growing financially rich, but frequently support adult children. Charitable- These women average an annual donation amount, as a class, of about 7%, with many of them giving at least 10% of their earnings to charity. Millionaire women exceed millionaire men in the percentage of income that they donate to charity. These are traits that I think many of us may identify with easily and they show us how we may set financial priorities. Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.com
Ingredients:2 oz. minced shallots4 oz. dry white wine1 Â½ oz. lime juice1 Â½ oz. cider vinegar4 oz. diced mango4 oz. heavy cream4 oz. butter, diced small and softened2 haddock filetsDirections:Place haddock filets in a greased baking dish or cookie sheet. Sprinkle with salt and pepper, lemon juice and a little white wine. Bake at 350Â° for about 25 minutes or until fish flakes easily with a fork.While the fish is cooking, you can start making the sauce. In a small sauce pan combine shallots, wine, lime juice, vinegar and mangos over medium heat. Reduce the mixture by two-thirds until a thick consistency is reached. Blend mixture in a food processor until smooth. Pour pureed mix into a clean sautÃ© pan and add cream. Cook over medium heat until thickened. Remove from heat and stir in softened butter piece by piece. Pour the beurre blanc over your favorite fish and serve.
Tis the season for lemonade stands! If you have kids at home this summer – it’s a great time to encourage them to start a business. It gives them an opportunity to learn about running a business, managing money, leadership and to accomplish something they can be proud of. Lemonade stands are a popular business for kids to start and here are a few other ideas.Let your kids have their own yard sale. They can sell the toys and clothes they’ve outgrown. Allow them to organize, market and manage the sale. Then let them decide how they will spend the money they make.Give your kids a section in your garden to grow their own veggies or flowers and let them sell the produce or donate it to a local food pantry.Older kids can make money pet sitting, baby sitting, washing cars, offering lawn care services or running errands for busy parents.Creative kids might be interested in putting on puppet shows or plays or offering face painting services at events where kids gather. They can also make products or crafts to sell.These are some great ideas – but let your kids decide what business they want to start offer appropriate support and supervision and then let them go for it! They’ll learn so much from the experience and they’ll have fun too. ~Deb Neuman for WABI TV 5 News
Bacon Wrapped Maple Glazed Pork LoinIngredients:1-5 lb. pork loin1 lb. bacon, rawblack peppermaple syrupDirections: Preheat oven to 450Â°. Wrap pork loin with bacon. Place in roasting pan and put in oven for 15 minutes. Remove from oven then cover roast with foil. Turn oven down to 300Â°. Place roast back in oven. Baste roast with maple syrup every 10 minutes (approximately 4 times). Cook until desired doneness, about 1 hour. Remove foil from roast.Oven Roasted Red PotatoesIngredients:2 lb. of potatoes, washed and quartered2 T fresh chopped garlic1 t fresh chopped rosemaryÂ½ teaspoon paprikaÂ¼ cup vegetable oilsalt and pepperDirections:Place all ingredients in a bowl and mix well. Place on cookie sheet. Bake in 350Â° oven for 45 minutes.
Cold Poached Salmon with Fruit Salsa on a Bed of Fresh GreensIngredients:For salmon:6 skinless salmon filets, about 6oz. eachÂ½ gallon of water1 lemon, cut into wedges2 tablespoons pickling spice1 teaspoon saltFor Salsa:1 mango, finely dicedÂ½ pineapple, finely dicedÂ½ papaya, finely diced1 pint strawberries, finely sliced1 orange, peeled and finely diced2 kiwi, peeled and finely dicedÂ½ cantaloupe, finely diced2 pears, seeded and finely diced1 each red, orange and yellow bell peppers, finely diced1 tablespoon fresh chopped cilantroÂ½ red onion, finely diced1 jalapeno pepper, seeded and mincedjuice of 1 lemonjuice of 1 limeÂ¼ cup granulated sugarDirections:To make salmon: Put water, lemon wedges, pickling spice and salt in pot and bring to a boil. Turn down to a slow simmer. Place salmon in water. Let poach until firm approximately 10-12 minutes. Put salmon on plate uncovered in fridge to chill for about an hour.To make salsa: Place all ingredients in bowl. Mix well. Place in fridge and chill for a 1 hour.To serve: Place fresh greens of your choice on plate, add a salmon filet and top with fruit salsa. Hot Poached Salmon with Fruit Salsa over Jasmine RiceIngredients:For salmon:6 skinless salmon filets, about 6oz. eachÂ½ gallon of water1 lemon, cut into wedges2 tablespoons pickling spice1 teaspoon saltFor Rice:2 cups dry jasmine rice2 tablespoons vegetable oil2 cups waterpinch of salt to tasteFor salsa:1 mango, finely dicedÂ½ pineapple, finely dicedÂ½ papaya, finely diced1 pint strawberries, finely sliced1 orange, peeled and finely diced2 kiwi, peeled and finely dicedÂ½ cantaloupe, finely diced2 pears, seeded and finely diced1 each red, orange and yellow bell peppers, finely diced1 tablespoon fresh chopped cilantroÂ½ red onion, finely diced1 jalapeno pepper, seeded and mincedjuice of 1 lemonjuice of 1 limeÂ¼ cup granulated sugarDirections:To make salmon: Put water, lemon wedges, pickling spice and salt in pot and bring to a boil. Turn down to a slow simmer. Place salmon in water. Let poach until firm approximately 10-12 minutes. Put salmon on plate uncovered in fridge to chill for about an hour.To make salsa: Place all ingredients in bowl. Mix well. Place in fridge and chill for a 1 hour.To make rice: Put water, salt, and oil in sauce pan. Bring to a boil. Add rice, do not stir. Cover and turn down heat. Let simmer until all the water is absorbed, approximately 15-20 minutes.To serve: Portion rice on plate, add salmon filet over rice and top with fruit salsa.
Every now and then, we all wonder what it would be like to switch jobs and try something else for a day.Our Amy Erickson’s been giving it a try lately.This month, she visited Carden Kennels in Bangor and spent the day as a dog groomer.Tonight, we see how she did, in her “Take This Job and Love It” report.”this is Rummy…he’s a…PBGV for short.””today he’s actually going to be cut down short for his summer haircut.”Easy enough, right?Penny gets out the clippers and puts me to work.Rummy needs a major shave before he even gets in the tub.”just take it short strokes and make a hole.””do I hold onto his head while I’m doing it? Just kind of hold his skin tight…it makes it easier. I’m so afraid of cutting him! Right there’s a good spot where you’re really not going to cut him. Are you sure?It’s quite a job getting this pup clipped…while trying to keep him happy.”have you ever been bitten? Yeah. You have? Oh, yeah. These are live animals and not all of them like what you’re doing.””this is kind of tiring. Yeah, my hands are tired at the end of the day. Carpal tunnel with groomers is a big issue.””this I’m nervous about. I’m nervous about the back end.”Lucky for me, Penny takes over here. I admit it…I’m a wimp.”kind of stinky under there, too. Yeah, I’m glad you’re doing that part. Oh, I see a lot of this.””course he’s still in tact, so I have to be careful of these. I’m not messing with those, Penny!”Once Rummy’s clipped, it’s on to the nail trimming…which is much harder than it looks.”see that white tip right there? All you want to do is cut off that white tip.””Did I take enough? You did! Just do it quick because if you go slow they feel it more. You’re doing good!””oh! This is not…ooh…not everybody can do toenails. It’s a hard thing. Kids are much easier.”And just when I think I have it mastered…I see blood.Yup…I cut him.”oh yeah, you did. That’s fine. I have a styptic powder I use.” “that was tough, just getting him to stay still! It is.”Then it’s on to another glamorous part of the job.”grab some cotton and some ear cleaner.””you can kind of get your finger right down inside…and really wipe it out (grimace).””really get in there. This is not the most pleasant part, but it’s better than the back end!”Little did I know, there’d be more of the back end to come…Time to put Rummy in the tub.The power washer makes the shampooing easy…that is, until Penny’s next instructions.”you have to make sure you have to lift the tail and make sure you wash under there. Ok. You have to really make sure you get your hand in there. Really get your hand in there? You have to get a little personal sometimes. This is a LOT personal!”We both make it through the bath…then it’s time to beautify him with the brush and a heavy duty hairdryer…Finally, Penny does a little fancy grooming around the face and voila…Rummy looks like a million bucks.And he’s no worse for the wear…I hope. “so how do you think I did? You did good! I’d have you back. What areas do I have to work on? Probably the nail trimming…the clipper…there are a few things you have to work on.”Like not drawing blood next time, maybe. “that wasn’t bad for a first time. He survived. He’s living. He’s not bleeding anymore. A little more practice and I think you’d be great.”Amy Erickson, WABI TV5 News, Bangor.>Amy’s always looking for ideas for her next job swap.If you have a suggestion, email her at AErickson@wabi.tv
Ahh the summer season is finally here! Funny how it seems to take forever to get here and then it goes by so fast! This is especially true for business owners who often find the summer months are their busiest.But – it’s good for you and for your business to take some time off to catch your breath, re-group, get some well deserved rest and enjoy yourself. What better time to do that than in the summer time! That being said we all know it can be hard to get awayâ€¦Here are some tips to help you get away!One – Schedule time off in advance and get it on the calendar now. Because if you wait until you have the time – to take time off – you’ll never have the time – you need to schedule it.Two – Book travel reservations in advance. Once you book and pay for that hotel, flight, or tickets to an event it becomes harder to not go! Three – Prepare others to cover for you in your absence. Train your employees, friends or family members to be ready to fill in for you when you’re gone so you can get away and relax knowing your business is in good hands.And finally -when you do get away – try not to think about your business constantly – if you planned well it will be fine without you and you will come back relaxed, refreshed and ready to get back to business.I’m Deb Neuman for WABI TV 5 News
In the last few weeks we’ve talked about the different perspectives men and women have concerning investing. Today I want to talk about the differences that men and women have about spending money. You may have already observed some of these traits in a man or woman that you know, but there is science to back up the observations. This information is general, as people are who they are and don’t always ‘fit in a box.’ In a study by Wharton Business School titled, “Men Buy, Women Shop,” men rate their shopping experiences – in general – by how quickly they can get checked out and leave the store. Women want personalized service, with help from sales associates and ideas for purchases. Men, according to a comedian quoted in Psychology Today, buy a shirt and wear until it dies, then go out and kill another shirt. Women begin shopping for birthday and Christmas gifts well in advance of any need. Studies hypothesize that men are hunters, women gatherers. It’s not that men don’t spend money, because they do. They spend money faster and with fewer returns than women. Women are more likely to shop for things they don’t need and to use shopping to feel better. Men rationalize that their wants ARE needs, so it may be harder to evaluate the wants versus needs aspect. So, what have we learned in the past few weeks? Men and women are different in their communication, view of, and handling of money. Communicate with each other regularly for the best relationship results. And don’t be surprised by the other person’s perspective! Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.com