Features

Pie vs. Crisp

Updated 4 years ago

Which do you prefer?Apple Pie 47% (92 votes) Apple Crisp 53% (105 votes)


How do you handle political phone calls?

Updated 4 years ago

Answer Their Poll Questions 23% (36 votes)Ignore, and let the Machine Pick up 77% (123 votes)


Are you working on Columbus Day?

Updated 4 years ago

Yes 59% (93 votes) No 41% (64 votes)


Take This Job and Love It: New Balance Shoe Factory

Updated 4 years ago

In this edition of Take This Job and Love It, Chelsey Anderson heads to Skowhegan. There Chelsey hoped to be a shoe in for her new job.Chelsey- “The New Balance Shoe Factory focuses on safety, quality, efficiency and effectiveness. They have to, to put out as many as 42-hundred pairs of shoe a day. So I got right to work and did my best to keep up.”—————Plant Manager Patrick Welch started me in cutting working with Lisa.Lisa, Cutter, New Balance Shoe Factory- “It’s basically like a puzzle.”Chelsey- “So, we’re trying to squeeze as many as these pieces on as possible.”After Lisa helped me punch out a couple more runs it was time to head upstairs, where they were excited to have us.Crew singing- “Take this job and love it!”One of the first things Patrick tried to instill in me was that timing’s everything.Patrick Welch, Plant Mgr., New Balance Shoe Factory- “At 12:04:48 this person right here, will be coming around the corner any moment.”So, I skipped pre-fit, where the fine details are added, and started at the first pass of computer stitching with Judy. I watched and tried my best, but I didn’t have the talent and speed these folks have. I was slowing the whole line down.Chelsey- “Sorry!”Patrick showed me how to do one of the stations…Patrick Welch, Plant Mgr., New Balance Shoe Factory- “I put the wrong one on. That’s why I don’t do this very often!”Chelsey- “Now I spin it?” “Yep.”I had to sew the New Balance N on, and dye out the tongue hole.The next station was a manual sewing station with a lot to it. I wasn’t sure I had the skill for sewing in the box toe, but with an 18 year sewing veteran helping me, I gave it a try.Chelsey- “Rrrrr!””These are fixable. They really are.”She’ll regret saying that.Chelsey- ” This is terrible, you don’t want this one.”Chelsey- “I can not have THIS job.”Patrick Welch, Plant Mgr., New Balance Shoe Factory- “I’ve seen creative stitching but that takes it to a whole new level!”After several more sewing stations it was getting easier and easier to see the final product.Patrick Welch, Plant Mgr., New Balance Shoe Factory- “This, for all intent and purpose, is a shoe, but for insert, lace and sole.” Chelsey- “It doesn’t have a soul yet.” Patrick- “It needs a soul!”I head over to apply the glue cement to the souls with Ray.Ray- “You want to put one in and make sure it’s flat and you want to put it in so it goes all the way back in there.”Ray- “If you look at it you can see it almost looks like a car wash.” Chelsey- “Oh that’s neat.”Ray- “Now, here comes the fun part, because sometimes they get away from you.” Chelsey- “Uh-oh.” Ray- “You’re going to have to hold it tight, and go from one side all the way around to the other side.”Ray- “See it coming up.” Chelsey- “And now I spin it. Oh, oh, oh! I’m losing it!”Like the other stations, Ray was much faster and effective than me, so he cleaned up my mess and I moved onto the final stations.Chelsey- “Wind it up, put it on the inside.”Instructor- “Check the distance here. See if it matches.” Chelsey- “Pretty good.”Now I inspect the shoes and punch them for sale before popping the pair in the box.Chelsey- “Well, there we go. There’s my shoes: not mine because we could not sell those.”So after slowing down the line, and creating a whole lot more work for each of the stations I stopped at, would I get the job?Patrick Welch, Plant Mgr., New Balance Shoe Factory- “You would. I’ll tell you why. Good attitude, you’ve got a good smile, and communicate really well. Those are the things we look for. We can teach you how to make shoes!””We’d love to have you and you’re always welcome.”————Chelsey- “I’d like to thank everyone at New Balance Shoe Factory for putting out a great shoe, made in the USA, by great people. You all have amazing skills.”If you have an idea for our next Take This Job and Love It email Chelsey at canderson@wabi.tv or the station at wabi@wabi.tv.

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Finance is Fun: Small Businesses

Updated 1 year ago

By- Marion SyversonThis week I and Norumbega Financial celebrate our ninth anniversary. The SBA’s general rule of thumb is that 50% of businesses make it, or succeed. Do you have a plan- or do you just dream of working for yourself? Dreaming isn’t enough. The more detailed your plan, the more likely the chance that you have figured out contingencies for the ups and downs of economic cycles. Persuasive and persistent- Being strongly determined, really wanting to be your own boss as well as the drive to do what it takes are critical traits to longevity. Passion goes a long way in persuading people to work with you. It makes you and your service or product at least initially compelling.Ready to tackle an ‘ongoing puzzle’- actually the business is a series of puzzles. How much has technology changed in the ten years Norumbega Financial has been an entity? A lot! Rules for my industries have changed, employees have changed. Manufacturing methods have evolved. Tweaking delivery or packaging methods, cutting edge communication, staying faithful to great service while developing new business, keeping current with trends in the skill in which you specialize, so many directions you – and your team- need to keep advancing: do you have what it takes?Motivated- Do you have the drive and the desire to push every day- or to push forward most days? No one can be 100% every day but I’m a very high energy person and I wish I were doing more.Capable- If you stink at what you do, having all these other skills or traits will not be enough to sustain any business for the long-term. You have got to be capable, even really good or great, at what you do to have long-term success.Don’t give up the dream of business ownership, but you have the best chance of success if you have more than just a dream.Citations:Business owners Toolkithttp://www.toolkit.com/small_business_guide/sbg.aspx?nid=P01_00017 reasons businesses failhttp://www.businessknowhow.com/startup/business-failure.htmAbout. Comhttp://entrepreneurs.about.com/od/becominganentrepreneur/a/doyouhavewhatittakes.htm 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.

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Do you think that free speech should be limited in certain circumstances?

Updated 4 years ago

Total Votes: 317No 71% (225 votes)Yes 29% (92 votes)


Do you have an up-to-date resume?

Updated 4 years ago

244 VotesNo – 173Yes – 71


Do you wear a helmet while riding ATV’s?

Updated 4 years ago

116 VotesNo – 62Yes – 54


Would you let your fingerprint be used as a form of payment?

Updated 4 years ago

170 VotesNo – 138Yes – 32


How many times a day do you wash your hands?

Updated 4 years ago

176 VotesSeveral – 95All the Time – 65Once or Twice – 13Never – 3


Healthy Living: Tree Stand Safety

Updated 4 years ago

By- Dr. Joan Marie PellegriniHunting season has arrived and already we have seen hunters seriously injured because of falls from their tree stand. A quick Google search of tree stand accidents will quickly tell you that this is a common problem. Depending on where you live, up to 1/3 to ½ of all hunting accidents are a result of falling off or out of a tree stand. Of these accidents, 75% result in injury because the hunter was not using a harness or was using a harness improperly. This is really unfortunate because all commercial tree stands come with a fall restraint system (FAS). Also, this topic is covered in all hunter safety courses.Most falls happen when transitioning into the stand or out of the stand. Also, stands must be maintained and examined for wear and tear. Unfortunately, many falls are also related to alcohol intoxication.I have attached a list of safety tips from the Treestand Manufacturers Association and from the Tennessee Wildlife Resources Agency.1. Always wear a safety harness while hunting from a tree stand, including while ascending and descending. Make sure you understand how the harness should be properly used. Do not use a harness that looks worn or is not certified for your weight.2. Never climb into a permanent stand you have not built yourself or carefully checked out. 3. Always hunt with a plan and a buddy. Let someone know where you are going to be and when you plan to return.4. Always have an emergency signal device such as a cell phone, walkie-talkie, whistle, etc.5. Never hunt from tree limbs and make sure the tree is healthy and alive. Dead trees do not make sturdy supports for stands.6. Be sure the commercial stand you have is safe. Practice with it before using it in the woods. 7. Never climb a tree that is too small or too large for your stand to fit safely. 8. Be sure your stand is level at the height you wish to hunt. 9. Always stand up slowly and be sure of your balance. 10. Be sure you are steady and braced before shooting. 11. Always use a line haul line for your gear. Never climb with your equipment. 12. Be more careful than you think you need to be.

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Useful Financial Website

Updated 1 year ago

Website:www.usa.gov/Citizen/Topics/Money_Taxes.shtmlI’m always looking for material on various money topics, especially free material. In the hunt I found this web site www.usa.gov/Citizen/Topics/Money_Taxes.shtml with all kinds of cool info. Whether you are a curious person, parent or teacher, or a really smart kid there is something for all kinds of financial questions or interests on this single site.CREDIT – You can find out the rules and where to get free credit reports from the three reporting agencies: Experian, Equifax and Transunion and how to spot sites that charge you unnecessarily. There is list of known scams and financial fraud, including the pesky emails from your supposed dear friends in Nigeria. There are links with information on what to do to protect your credit and ways to repair that credit if it’s too late.AUCTIONS & TICKETS- There are links to the sales and auctions of property seized by state, local and federal governments, such as surplus and seized houses, stamps, land, cars and trucks and all kinds of stuff. There is even a video explaining more. Another section offers for sale Amtrak train tickets and has a link to things as varied as the Bureau of Engraving and Printing’s store. You can get climate data or astronomy information, too.FRIEND & FEEDS – There are sharing links that help you ‘friend’ the government on Facebook, or you can sign up for RSS feeds with updates and info sent to your email. Several feeds caught my eye but one in particular called ‘Popular Government Questions.” Um.CALCULATORS & SAVINGS TIPS- The single web site listed above takes the searcher to all kinds of other sites. One of the many links from the site above is MyMoney.gov there are calculators for budgeting and budget checklists and information about saving and retirement. Many more and varied topics at other sites even include tips on saving on funeral arrangements. FOR KIDS – For kids and teens there is information on being a smart consumer, the ins and outs of student loans, sites for teaching money basics and a cool section on detecting counterfeit money. Consolidating student loans, managing your credit and things to know when you need a home mortgage are all listed on the site.The internet is awesome but because there is so much available that it can sometimes be overwhelming. This single site, with varied links, addresses many financial avenues. It doesn’t matter if the audience is young or old, whoever you are in whatever stage of life can find helpful information gathered in one place. It’s paid for with your tax money and it’s pretty easy to access. Peruse at your leisure.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 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. WSFG Registered Investment Advisor Member FINRA/SIPC. Norumbega Financial, WSFG and all other entities mentioned herein are separate entities. They are independently owned and operated. Opinions expressed are those of the author and not necessarily those of WSFG. Wall Street Financial Group is not responsible for information contained on web sites or literature referenced herein

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Healthy Living: Sugar Sweetened Drinks

Updated 4 years ago

There’s More Than SodaBy- Dr. Amy MoviusChildhood obesity has been recognized as a very important topic in recent years.  An estimated 17% of teenagers and children have a BMI-for-age that is greater than or equal to the 95%ile.  Many public health efforts have been made to understand and try to address the epidemic of obesity in our nations youth, such as Maine’s “Keep ME healthy 5-2-1-0″ campaign.The amount of Sugar Sweetened Beverages (SSBs) consumed by our children is recognized as important factor contributing to obesity.  Adolescents have more than doubled their daily SSB intake since 1977: it now accounts for an average 10-15% of total daily caloric intake! Drinking one 12 ounce can of SSB a day results in up to 15lb of weight gain per year.  Also, studies have shown that drinking SSB has displaced (healthy) milk drinking.Sugar Sweetened Beverages are often equated with soda, but actually include any drink that contains a caloric sweetener such as sugar or high fructose corn syrup.  This includes a LARGE variety of carbonated and noncarbonated Flavored and Sports Beverages (FSBs) as well as soda.A study in the upcoming October issue of the journal Pediatrics (released online yesterday, September 27th) evaluates how food and activity choices of adolescents correlates with SSB consumption, and also evaluates the effects of soda and FSBs separately.  More that 15,000 8th or 11th graders middle and high school students – from public schools across Texas participated.   They reported how many SSBs (0, 1, 2, 3) they drank in the previous day and also answered questions about healthy food intake (fruits/veggies/milk), unhealthy food intake (fried meat/fried snack/dessert), physical activity (PE, organized sports, own activity) and sedentary habits (hours of TV, computer, video games).Alarmingly, 28% of all the teens drank 3 SSBs per day.  All of the SSBs (soda + FSB) were associated with eating unhealthy foods and sedentary habits i.e. the more SSBs you drank, the more unhealthy foods you ate while being sedentary for more hours a day.  However, whereas drinking soda was also associated with less physical activity and less healthy food intake, drinking FSBs was associated with MORE physical activity and MORE healthy food choices.  This means teens who drank more FSBs tended to do more physical activity and eat more healthy foods.  The positive association between drinking FSBs, physical activity and fruit/veggie/milk consumption suggests that FSBs are viewed as being consistent with a healthy lifestyle.  This pattern is also seen with consumption of 100% fruit juice (which is not a SSB).  The presumed explanation is that these products have been successfully marketed as relatively healthy.  In fact, a 20 ounce bottle of a popular sports drink contains almost 9 teaspoons of added sugar.  Public health efforts to date have discouraged intake of all artificially sweetened beverages without making much distinction between different types.  Clearly, health professionals need to be more specific.  In the meantime, encourage those around you to know exactly what they are drinking if it isnt milk or water.Reference:  Ranjit et al. Dietary and Activity Correlates of Sugar-Sweetened Beverage Consumption Among Adolescents.  Pediatrics Volume 126, Number 4, October 2010. 

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Health Watch: Social Phobia

Updated 4 years ago

By-Dr. David PrescottSocial Phobia is a type of Anxiety Disorder: Phobias are intense, excessive fears about certain objects or situations. While most people experience heightened anxiety in some situations, people with phobias find their fears to be debilitating. One common type of phobia is termed social phobia, or social anxiety. Typically, symptoms of social phobia are first evident in the early teenage years. Social phobia impacts about 15 million Americans, and it causes everyday social situations to become fraught with anxiety and embarrassment. Social Phobia is one type of anxiety disorder along with problems like panic disorder or obsessive-compulsive disorder. Together, anxiety disorders impact nearly one in every five people. Defining Social Phobia: Social Phobia was long associated with being shy or timid, and its impact on people’s lives was minimized. However, in the early 1980’s, psychologists and other researchers began to focus on how social anxiety could be debilitating for some people. The essence of Social Phobia is:· Overwhelming anxiety and self-consciousness when a person interacts with others. · Intense, chronic fear of being watched and judged by others. · Extreme fear of doing things that will cause embarrassment during a social interaction. · Intense physical and subjective anxiety in most social situations: for example, feeling sick to your stomach, sweating, or racing heart. Brain Activity and Social Phobia: Recent research on social phobia highlights the fact that mental health problems involve a complex interaction of brain chemistry, thinking patterns, and behaviors. Brain images of people with social phobia were compared to a control group after receiving a critical comment such as “You are ugly.” The people with social phobia exhibited significantly higher levels of brain activity in brain areas responsible for emotional arousal and areas responsible for self-evaluation. Thus, it appears that people with social phobia experience a heightened brain response to criticism, which likely contributes to their fear of social situations. “Caught Between a Rock and a Hard Place:” Getting a Person with Social Phobia to Seek Help. The struggle to seek help with a psychological problem is especially difficult for people with Social Phobia. Like all social interactions, the thought of meeting with a counselor is likely to cause intense anxiety and fear of embarrassment. Family members and friends can help by providing extra support, perhaps by accompanying the person to their first visit. Treatment for Social Phobia: All anxiety disorders, including Social Phobia, have an excellent change of improving with treatment. People with social phobia often would like to be with other people more often, or would like to reach out to friends. However, when the moment comes, they typically experience extremely high levels of anxiety and feel compelled to change their plans. Treatment can help people with social phobia overcome this pattern of fear and avoidance. The types of treatment that are effective include: · Cognitive Behavioral Therapy: Cognitive Behavioral Therapy involves identifying and changing thinking patterns which cause and perpetuate anxiety. These thinking patterns, and the behavior that follows, can be changed to break the cycle of escalating anxiety and avoidance of social interaction. · Medications: The most commonly used medications for social phobia are anti-anxiety medications, such as Klonopin, or a class of antidepressant medications called SSRIs (selective serotonin reuptake inhibitors) often help make anxiety more manageable. Medications are often a helpful adjunct to “talk” therapies. · Behavior Therapy: Behavior Therapy, like systematic relaxation training, can be used to teach specific skills to reduce anxiety. For More Information: Acadia Hospital www.acadiahospital.org National Institute of Mental Health www.nimh.nih.gov/health/publications American Psychological Association www.apahelpcenter.org

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Rainy Day Fund

Updated 1 year ago

When my husband and I tiled a large floor in our house we wore cushioned knee pads. Not only did these pads allow us to be more comfortable during the long job, wearing the pads protected us from lasting damage to our knees. A rainy-day fund is a cushion of cash that may protect you from long-term financial damage and make life a bit more comfortable. Typically, this cash is used when life goes awry, such as the sudden breakdown of furnace or refrigerator, or a job loss. The longer you live, the more you know, there’s always something. 3-6 Months- There is no magic number, or particular amount, recommended for this emergency account but generally saving 3-6 months of your income is suggested. Some financial experts even suggest 12- 18 months of savings. So, you say, a rainy-day fund sounds great, but how do you actually get this baby started? There are several strategies and this is where you need to decide which method works best for you.Save automatically- One idea is to have regular contributions made automatically from your paycheck into an account dedicated to emergencies. What I mean by ‘dedicate,’ is that you don’t use this fund as a play account and once it reaches an amount that is more than you typically save, your eyes light up and out you run to buy an item you’ve envisioned in your home. Not with this cash, buckaroo.Build $1000 fast- Another strategy for building your rainy day fund is to sacrifice other spending and stash money with determination, more quickly building to a $1000 reserve. For goal-oriented folks, this method may help you feel like you’ve achieved a certain safety level. Adding subsequent money to this fund then seems easier. Use unexpected cash- With either of these savings styles you may use ‘unexpected’ cash, from a tax refund or overtime, to add to the reserve account. Depending on how much you can set aside each period, saving this money could take years. So be patient and keep your eye on the long-term goal. Of course, there are a few financial people who suggest that you do nothing until you have an emergency account fully funded. When I have dieted with that kind of all-or-nothing philosophy it has frequently resulted in later food kookiness such as binging. That’s not good. So, I think balance is better. But once again, you do what you think is best.Where to stash the cash- As your reserve grows where should you put the money? Well, since the purpose is accessibility and certainty, you might have money in one or several accounts. An account at a bank or credit union, and you might also have CD’s, mutual funds or brokerage accounts. It really depends on how much you eventually save and how much certainty versus interest earning you’d like. You certainly don’t need a year’s worth of income tucked under the mattress.Doing something, anything really, towards the goal of creating an emergency savings account, would be better than just thinking about it. Enough said. 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 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. Norumbega Financial and Wall Street Financial Group, Inc., are separate entities, independently owned and operated.

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Take This Job and Love It: Firefighter

Updated 4 years ago

Things are heating up this month on this edition of Take This Job and Love It.Chelsey Anderson got to live out many little kid’s dreams.She had the opportunity to be firefighter-for-a-day at a car fire training in Hampden.————–Frank Hammond, Fire Instructor- “Welcome. You’ve hydrated.” “Yes.” I had had fire safety training with Frank Hammond the day before, but I still had to learn how to use my respirator.Frank- “Are you claustrophobic?” “No.” Frank- “I’ll find out if you are.” “Okay” (nervous laughter) Frank- “It won’t take long. We’ll find out.”So we did a quick test with my mask.”This is a great look I’m sure.” Frank-“Oh it is! I mean Darth Vadar is saying, ‘Hey! What are you doing tomorrow night.” (laughter)The good news: I’m not claustrophobic and I’m ready to suit up. “I’m super excited.”The bad news: firefighters are supposed to be dressed in one minute, and I just couldn’t do that. I couldn’t even get zipped or find my straps in a minute.Frank-“It weighs about 30 pounds.” “Okay.” Frank- “Riding alright?” “Whoa! That’s heavy!” Frank- “It throws off your center of balance.” “Yeah!”Now that we were suited up it was time to huddle up for a brief introduction.Fire Instructor- “Young lady reporter over there, Chelsey, is going to be playing with us today. We’re going to have three working companies. Level one station resource, you’ll be getting a little lecture in there. Second place is backup, watch the attack group, watch the igniter. Third place is attack.”I was starting on backup, but before we got to business we did an equipment and safety check.(nat alarm) Frank- “Shake. Shake. For pre-alarms if you don’t move someone will say, ‘Hey! Shake your butt!” Because the sensors are down low.”Then the call.Firefighter Instructor over the speaker- “Backup move in. Go igniter. Fire in the vehicle. Attack group, go get her.”I was amazed how fast this company had the fire knocked down. It was our turn on attack and I was hoping for the best.Frank-“Put your hand on top.” “And this one?” Frank- “Goes right there.”Firefighter Instructor over the speaker- “Fire in the vehicle. Attack, when you’re ready have at it.”My heart was racing.Frank- “Okay, go a little closer. Lean in. There you go. Watch your pipe opperator. You’re doing good. Stay with it. Stay on it. Watch what he’s doing.”I might look calm, but this was intense.Frank- “How you doing, okay?” “Yeah.” Frank- “You’re doing great.”The fire was knocked down in the first zone. Now we had to move to the front of the vehicle.Fire Instructor- “Swing hard. Swing hard.”Frank- “Stop right here.”A safety instructor checks the vehicle but the fire’s not extinguished. An instructor helps us come up with another plan of action.Right then I come to realize, I wish I was taller for this job. I had to stand on my tippy toes and I could only hold the hose with one hand. So, I’m not sure I was helping very much there.And time to clear the scene.Firefighter over the speaker- “We are clear of fire.””That’s a lot of pressure.” Frank- “What you’re feeling is nozzle reaction. When you get an angle like, that’s when it gets stronger.” (laughter) “I’m like, ‘Oh, no! I’m not tall enough!” (laughter)Frank- “You did a fantastic job.” “Thank you.” Frank- “You got right in there too.”My team was great, and I did my best, so would Frank hire me for the job?Frank- “Yes. Yes I would. And we’d put you through basic training. You can come out to Burlington Fire Department and Lincoln Fire Department anytime as far as I’m concerned. We’d put you right on and put you to work.”————————Chelsey says she never did figure out how to get her suit on or off by herself, so she’d have to practice a lot if she did decide to join a department.Chelsey would like to thank everyone who helped in training and on site, and to the Hermon Fire Department for lending their gear.If you have an idea for the next Take This Job and Love It email us: wabi@wabi.tv

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Healthy Living

Updated 4 years ago

Why do you get a beer belly when you drink beer?By- Dr. Joan Marie PellegriniThere is nothing particularly special about beer that makes it cause a beer belly. A “beer belly” is nothing more than just being overweight. Any type of extra calories will lead to a beer belly although it does seem that alcohol has a tendency to cause fat to accumulate around the midsection. Most people don’t seem to notice the calories in a drink as much as they notice what they eat. A couple of beers will run you on average about 300 calories. But some beers can have as much as 200-300 calories per serving. Now add in the munchies that go along with a beer and you could easily be up to 600 calories or more. That is a dangerous trend when the caloric need of an average sedentary adult is only 2000 calories or less. In general, it takes an extra 3500 calories to store a pound of fat. If you eat your necessary calories each day and then add only one beer (average 150 calories) a day for a year, you will add 15 pounds to your waist if you don’t offset with exercise. A “light” beer has less alcohol and therefore has less calories. However, even a light beer has about 75 calories. All beers have “empty” calories. This is a term that nutritionists use to label a food that does not offer any nutritional benefit such as protein, fiber, or minerals and vitamins.Men are more likely to get the “beer belly” look because of the way they distribute fat. Men tend to put fat inside their abdomen whereas women are more likely to put fat under their skin. Strong abdominal muscles can help a man “suck in” the abdomen and hide the extra fat that is being stored inside. A beer belly will also become more noticeable as we age because we lose some of our muscle and the skin becomes less tight. People who drink a lot of beer tend to be people who do not exercise. Most of us exercise less as we age and this contributes to gaining a beer belly. There are also some hormonal reasons why we accumulate fat around our midsection as we age.

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Money is Personal

Updated 1 year ago

Money, whether shiny or crisp, this tool created to simplify trade has become so much more. I’ve seen firsthand in more than ten years of advising every kind of client, the range of emotions and attitudes wrapped up in money. Some people hate to talk about it, hide from it. Others, like the fictional character Silas Marner, love to hoard it, hold it and stare at the shininess of it all. What I’ve learned is that money is personal.One reason money is personal is that it’s private. Though we spend it in front of friends and family, your complete financial situation is known to only a few. In fact, you may be so overwhelmed by your finances that you hide details from your dearest love. Like the bag of newly purchased stuff in the trunk of your car that you plan to wear without explanation, maybe even hiding the receipt. Money is personal because its management varies. Even financial advisors disagree about management styles. I studied finance because I wanted to know ‘the rules’ about money. Turns out there are many philosophies about financial management and no one ‘right’ way to handle money. Like parenting and relationships, there are few absolutes. There are general themes and methods, but the real decisions people make about their money are individual ones.Money is personal because you need to be in charge of this area of life. It is your money. Though you may work as a team with an advisor or partner, no one fills your shoes but you, chummy. Big kid panties and all that. Excuses like, ‘It’s too hard,’ won’t do. It’s fine if presently you are a little baffled or maybe have mastered certain aspects of finance. We’re all on a journey. Each day we will, hopefully, be smarter and wiser about life, including money management.How we spend our money is personal and is snapshot of what matters to us. What important to you? Giving away as much as you can? Spending a lot on baubles instead of paying bills? Sometimes in control, other times, not so much? Let’s start fresh now. Ultimately, you need do what you think works best for you, working within your quirks striving for balance. Be the best little snowflake God made you to be. That’s all your loved ones ever wanted for you, chickadee, and that’s what I want for all of us, too.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 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. Norumbega Financial and Wall Street Financial Group, Inc., are separate entities, independently owned and operated.

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Healthy Living: Making a Psychologically Healthy Adjustment to School

Updated 4 years ago

By- Dr. David PrescottTimes of transition are often both rewarding and stressful. The transition to the new school year, while much anticipated, may bring particular challenges for some children and families. Knowing the early signs of common school adjustment problems can help parents, students, and teachers adjust to a difficult transition without letting a relatively small difficulty grow into a major problem. Three common issues which may require extra attention during the start of a new school year include: 1) anxiety about going to school (“school phobia”): 2) difficulties in peer relationships and bullying: 3) academic difficulties/risk for school dropout.School PhobiaWhat are the signs? It is normal for children and teenagers to worry. A recent study reported that 70% of children say they “worry every now and then.” In children, phobias or anxieties are often displayed through avoidance, behavior problems like tantrums, or physical symptoms like stomach aches or headaches. Children who have school phobia may say that they are worried about what may happen to their parents while they are in school, or find other reasons that they shouldn’t go to school. They may ask for excessive reassurance about going to school. Suggestions for coping with school phobia • For children of all ages, show interest: Listen, give encouragement, and ask questions. • For younger children, get on the bus with a friend. This can help children not feel so alone. • Organize the night before. If your child is anxious about going to school, try not to make the trip out the door full of stress and last minute running around. • Talk to a mental health professional or school counselor if your child begins missing school or leaving early due to stress or worry. Peer Relationships and BullyingWhat are the signs? Bullying is a form of aggressive behavior in which someone intentionally and repeatedly causes another person injury or discomfort. Bullying can take the form of physical contact, words or more subtle actions. Research suggests that about one in five (17%) of school age children report being bullied sometimes or often. There is no single profile of a bully, such as the stereotypical tough on the outside/insecure on the inside child. Many bullies are extremely popular with their peers and, surprisingly, popular among teachers and other adults.Suggestions for coping with peer relationship problems and bullying:• Listen to the problem: Many times, listening to your child’s problem in a patient, relaxed manner can help them feel better immediately, and can help your child start to think of solutions. • Enlist the help of school counselors and administrators: Many schools have worked hard to reduce bullying. A chat with the principal or guidance counselor will help you support your child in a way that is consistent with what they experience at school. • Provide Perspective and Look for Strengths: Try to help your child keep a long term perspective on peer problems. Things don’t always turn around in a day. While you are figuring out how to make things better, don’t forget to help your child focus on what they do well. Academic Struggles and Risk for School DropoutWhat are the signs? Let’s focus for a moment on children in early adolescence. Research suggests that children normally become more self-critical and negative in their opinion of themselves as they enter their early teenage years. As schoolwork becomes more difficult, young teenagers may be filled with doubt about their abilities and skills. Poor grades may be one sign of this. Sometimes teenagers may express dislike for a subject or teacher partly due to their own self-doubts. Helping them overcome these struggles has significant benefits in terms of future work and self-esteem. Suggestions for Coping with Academic Struggles and Risk for Dropout• Effort matters: Even though it may just sound like a saying, research shows that there is a positive correlation between effort and performance in school. Keep in mind that, at least in this case, hard work does appear to pay off. • Look for improvement, not perfection: Try to help your child make improvement, rather than perfection, their goal. • Enlist help: Improving in schoolwork requires both emotional and technical support. Friends, teachers, parents, and siblings can all provide different types of support. Help your child feel like they aren’t isolated in dealing with their struggles. For More Information: Acadia Hospital: www.acadiahospital.orgAmerican Psychological Association Help Center: www.apa.org/healthcare

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Do You LOVE Your Work?

Updated 1 year ago

This is a money segment, but our money frequently comes to us from a job, our work. Do you LOVE what you do?Love? Really? – If you spend forty hours a week doing a job, why not find meaning and purpose and not just bring home a paycheck? Isn’t life more than money?But I am only a… — Most people want to do something meaningful. You ARE doing meaningful work whether you are fixing computers, unclogging drains, helping women with their apparel or hair. We need you and your expertise! You fill a place in this world of significance. Be the snowflake God made you to be!Do the job well- Be the best inspector, produce manager, caregiver, attorney, writer or assistant. What you’re doing has value to others and you perform the task differently than anyone else can do it. Keep your eye on you and improve your performance.Find another- If this job , or the specific place where you work, isn’t a great long-term home for you, make a strategy for your future. What positions might be better? Consider the work hours, flexibility and travel requirements. Talk to experts or trusted confidants. Get the skills, education or licensing required to make the change.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 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. Norumbega Financial and Wall Street Financial Group, Inc., are separate entities, independently owned and operated.

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