Miss the Playoffs 19% (49 votes) Reach the AFC Championship 32% (81 votes) Make the Superbowl 18% (47 votes) Win the Superbowl 31% (80 votes)
All of my clients – to have money to invest- spend LESS than they have. That’s how they have any money set aside for other purposes, like retirement of for emergencies.Frugal- is a ‘thrifty and efficient use of material resources’ according to the Merriam – Webster dictionary. It’s a characteristic that New Englanders are known for and it’s a trait I practice.How- a Google search of the word frugal turns up coupons, blogs and web sites, even a t-shirt that reads ‘proud to be frugal’, providing ideas for your frugal journey. For me, yard sales and providing the labor for many home improvements projects for our own and for friends is how we work our frugal muscles. I have good friends who are expert couponers.Why- I don’t know very many folks who have ALL the resources imaginable. Prioritizing how to use what one has is my take on frugality’s definition of efficient use of what we have. Why waste? Why have dolloars running through your hands and not take control and prioritize their use? Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.com
Ingredients:2 eggs1/3 cup Sugar2 Tablespoons Lemon Juice2 cups Shredded Zucchini1 3/4 cup Flour3/4 Teaspoon Baking Soda3/4 Teaspoon Baking Powder1/4 Teaspoon Salt1 Tablespoon CinnamonDirections:Preheat oven to 350 degrees.Line Muffin Pan with papr cups.Beat egguntil light in color, add sugar and beat until smooth.Mix all dry ingredients together.Place all ingredients together and mix well.Using 1/4 cup scoop, scoop batter into muffin papers adn bake.Recipe courtesty: Vicki Billings Rowell
Zucchini & Tomato side dishIngredients:2 Tablespoons Olive Oil2 cloves garlic1 cup 1/4″ sliced yellow squash1 cup 1/4″ sliced zucchini1 14.5 ounce can of died tomatoes1/2 cup quick cook ricePlace oil and garlic in a non-stick pn and heat unitl garlic starts to soften.Add rest of ingredients, mix and cover. Cook on medium heat until zucchini is fork soft.Recipe courtesty: Vicki Billings Rowell
Wash and dry 2 medium sized zucchini.Slice zucchini in 1/8″ slices (or thinner).Place zucchini on plate and use favorite dip.Recipe courtesty: Vicki Billings Rowell
TV5 Health Advisor Dr. Erik Steele joined Carolyn Callahan on TV5 News at 5 to talk about “Nerve: Poise Under Pressure.” A book written by Taylor Clark focusing on anxiety.
How to make this more beneficial for the child and less traumatic for you.Set limits- and don’t feel guilty. What’s up with that? So, mom or dad doesn’t have a job and you have a tiny budget? Don’t get all crazy under that issue. Conversely, if you have plenty, you are not doing the baby any favors to not teach them limits, so set a spending limit. Entrepreneurship- When the child wants more activity fees, different sneakers or more clothing options there’s always an allowance of summertime earning for next year’s additional expenses. Get them understanding that they can have lots of things they might rather have if they supplement the basics with their own money. If it’s late for them to alter things this year, next year will be an opportunity for the baby to get into the planning process so they can add to the basic back-to-school supplies with earned money.Teach savvy consumption- There are many stores offering similar objects. Jeans are everywhere and from yard sales to Goodwill, to J. Crew. Notebooks and pencils are also available in many price points. When you empower the child to know the budget, when you show them the price variations and then let them pick- and REALLY LET THEM PICK- the outcome is more peacefulGet the child involved, ditch the guilt and let them really have the final say about it. This may make for a less chaotic shopping season. Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.com
A couple of weeks ago I spoke about financial literacy web site at MyMoney.gov and today I have another great web site for parents and teachers and students from the State of Wisconsin. This site doesn’t have as easy a web address but it’s an easy-to-use site with great information. http://www.finlitwi.org/default/index.htmlStudents- Let’s start with info for students. The Wisconsin Department of Financial Institutions is specifically targeting elementary and middle school kids. It’s a colorful site when you click on the students’ tab. Inside is all text but you could make it more fun and perhaps use it as a starting point to learning about the various topics: History of Money Savings Options Financial Institutions- which sounds boring Investing. It’s not as much fun as a game or a coloring book, but for some kids it might be a good tool.Parents- This site is WAY more fun! When you roll your mouse over tabs there’s a sound of coins going into a bank! And the tabs have great pictures and engaging info. For instance under the tab ‘Fun for Kids’ one page reads: ‘ What things do you love to do? Go shopping? Watch movies? Play video games?’ The site then explains how everything costs money, so where are you going to get that money? Seven ideas are offered for kids plus a “Be Your own Boss” challenge. I liked this site a lot. It’s fun! There is a teen tab, pointers for parents and tips for teachers.Speaking of teachers, the state of Wisconsin’s site has an Educators’ tab has curriculum used by the state of Wisconsin as well as others such as the National Institute of Financial and Economic Literacy. There are 21 games featured on the site as well as the appropriate grades for some of the games, organizations to contact and other resources are also listed for you on the site.It’s looks like there is something for homeschoolers, grandparents, teachers and parents to help get this generation well-educated on their money! Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.com
Teething: Not a source of fever and not an explanation for symptoms of illnessBy- Dr. Jonathan WoodTeething continues to be offered as an explanation for fever or as a reason for a variety of symptoms in infants and young children. An important study published in the September 2011 issue of Pediatrics elegantly dispels this misunderstanding. Researchers (pediatric dentists) visited non-daycare infants repeatedly in their homes and gathered data: symptoms reported by mothers, oral exams, and infant temperatures. This was an excellent study for a variety of reasons: the oral exams were performed by experts, the temperatures were taken by the examiner by two different methods, the exams occurred daily over a period of weeks to months and therefore generated detailed data around the eruption of multiple teeth in each child and over 230 teeth overall.The conclusions:Â· Teething does NOT cause fever (before, during, or after tooth eruption)Â· Minor increases in temperature (less than 0.3 degree F) occur on the day of and the day after eruption, but it is negligible and occurs within the range of normal temperature variationÂ· Minor symptoms – sleep disturbance, irritability, increased saliva, rash, loss of appetite, diarrhea – can occur in the day of and day following eruption. But again, these symptoms are not of a severe nature.Why is this important?Â· Doctors and parents should not invoke teething as an explanation for fever, even low-grade fever. Â· Nor should they invoke teething as an explanation for severe changes in activity or behavior. Â· When teething is used as an explanation for these findings, parents and doctors alike can delay the diagnosis of a more serious illness. In young infants especially, this is important: a true fever can be the only signal that a severe illness is developing and the immature immune system of the infant makes prompt diagnosis and treatment particularly important.What can be done about teething?Â· “Teething tablets” and anesthetic gels are not recommended. Parents can inadvertently deliver toxic amounts of the active ingredients and should avoid these products. They have also never been shown to be effective.Â· Teething rings have been shown to be useful and effective.Â· Gently massaging an infants gums often helps and satisfies the infants urge to chew on somethingFor more information of teething and care for a child’s early teeth, visit the American Academy of Pediatrics’ “Healthy Children” website http://www.healthychildren.org/English/Pages/Register-Email.asp It requires a free registration, but is full of much useful information for parents.
French Fries 16% (34 votes) Doughboys 34% (73 votes) Italian Sausage Sandwiches 23% (50 votes) I don’t go to the fair 27% (58 votes)
Another State Park 12% (31 votes) Consolidated with Baxter S.P. 44% (119 votes) National Park 24% (63 votes) Other: 20% (54 votes)