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TABLE OF CONTENTS Publisher Ron Simmons

Planning Your Move.......................... 6

Account Executives

Apartment Living ........................... 14

Cathy Harry Phyllis Date Susie Stoltz Nancy Anderson Sheila Ybarra Cathy Jovalusky

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North Sound Living | Volume 5 â€˘ No. 1

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plAnninG YoUr moVe Congratulations – you’ve decided to move to, or you are already living in North Puget Sound, one of the most beautiful regions in the Pacific Northwest. Nestled between the waters of Puget Sound and the Cascade Mountains, the North Puget Sound area maintains a small-city atmosphere with plenty of outlying rural beauty. But before you arrive, you’ll need to get moving! Whether down the block or across three time zones, it can be a hectic, even traumatic time for you and your family, as well as the friends, relatives and neighbors left behind. The move may be a personal choice or required to further your career. Either way, scheduling the required steps and keeping everyone and everything organized will go a long way toward making the transition a more pleasant chance for change.

Planning Your Move

Start by simplifying your move: you’ll save time by creating and sticking to guidelines. First, decide whether you will move yourself, hire a professional to pack and unpack your belongings, or maybe something in between. If you decide on the services of a pro, searching the Internet or looking in the Yellow Pages are logical fi rst steps. After you know which companies are available, talk to friends and neighbors who have used professional movers in the past. References are always the best way to go. Prices will vary. The basic cost of a professional move is based on the weight of your household items and the time required moving them. Get several estimates from a few companies to help determine what may be worth paying for, or worth doing yourself. 6

Once you pick your mover, you should get a binding estimate that holds the mover responsible to make the move for a specific price. A non-binding estimate is usually only an approximation of time and cost. Federal law limits moving companies from charging more than 10 percent more than the non-binding estimate. Never sign or accept any order for a moving service unless the amount is clearly displayed on each page of the written estimate, and make sure the pickup and delivery dates and times are clearly specified in writing. Movers will charge considerably less for the following: » Normal hours » Weekdays » End of month You can reduce the number of hours that movers will need to do the job by moving items from back bedrooms closer to the entrance they’ll be using to load. Move delicate items into the garage or into a separate room together so your fragile pieces won’t be mishandled. Remember that all moving companies provide compulsory insurance based on weight. The insurance does not, however, take into account the actual value of an item, so optional insurance may be a good idea to protect especially valuable pieces. You may want to move your most valuable or irreplaceable sentimental items by yourself. Plan a garage sale or call a local charity before the actual move date to get rid of items that you no longer need. You may (continued on page 8) Volume 5 • No. 1 | North Sound Living

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North Sound Living | Volume 5 â€˘ No. 1

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NSL 2011 also consider shipping some items in the mail if they will not be needed for several months. Since movers charge by weight, it may be less expensive to ship items such as off-season clothing than to transport them. (With fuel surcharges, this may not always be the case.) Consider leaving heavy items like storable books and bowling balls with friends who will be making the trek to visit the new house. Think also about what you might need to prepare for: snow blowers may not always be necessary in Skagit County, but gardening tools may. Generators are always a good idea.

Moving and Your Taxes

Be sure to keep all of your receipts from every aspect of the move in a place where they can’t get lost while packing. Most moving costs may be tax deductible. (Check with your accountant or the IRS on how deductibility applies to your move.) The IRS normally accepts many of the following items as legitimate deductions: »»Travel, meals and lodging incurred during the move. »»The actual move of household items, including reasonable expenses for storage. »»Costs incurred while searching for a new home, including travel, meals and lodging. »»The cost of disposing of your former home and acquiring a new one. The best thing about writing off

moving expenses is that the deduction is taken above the line -- meaning that new residents do not have to worry about itemized deductions that can quickly dash any hopes of a big tax refund. The biggest hurdle is that it’s hard to qualify. To determine who’s eligible, the IRS has set up two tests. The IRS lets you take this deduction only if you are moving because of a job. And it doesn’t matter if it’s a new job, the same job or your first job ever. The first challenge is the 50-mile test, meaning, the distance between your new primary job and your former home must be at least 50 miles greater than your old commute. So if you used to live 10 miles from work and your new office is 45 miles from your old home, you fail the test and cannot deduct your moving expenses. However, if your new office is 65 miles from your old home, this makes your new commute 55 miles longer and you pass the first test. The second test is designed to verify that you moved for work. It requires that you be employed full time in the general area of your new job location for at least 39 weeks during the 12 months following your move. This means you are allowed to switch jobs as often as you’d like after the move to make up those 39 weeks. And if your employer transfers you again or lays you off, the IRS won’t hold it against you and will waive the 39-week test. The rules are slightly different (and more beneficial) when you own your

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own business, or if you have been out of the workforce or worked part-time for a substantial period of time. (The IRS does not offer a definition of “substantial.”) If you’re a sole proprietor or a partner, you can simply transfer yourself (nice!) and deduct the cost, as long as you meet the 50-mile and 39-week tests as well as a third test that applies to self-employed people. The third test requires that you work full time in that area for at least 78 weeks during the 24 months after you move. If you’re just re-entering the full-time workforce, you can claim the deduction even if you don’t have a job when you move. But your new job and your former residence have to be at least 50 miles apart, and you must still pass the 39-week test. If you’re a married couple filing jointly, only one spouse needs to meet both the time and distance tests.

Forwarding Your Mail

If you haven’t already done so, pick up Change of Address form from your local U.S. Post Office or change your address online yourself at: https://moversguide.usps.com Make sure your important mail doesn’t end up in the trash or the wrong hands. Providing the Post Office with the proper moving date ensures nothing will be lost or left behind. Be sure to include the names of everyone who will be moving with you to the new address.

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Your Credit Cards and Banking

If you already have a definite address where you will be moving, plan ahead and let all your credit card companies and banks know where and when you will be moving.

Before the move:

»»Cancel automatic billing or deductions for services you won’t use after the move. »»Add automatic bill pay services for credit cards so you don’t miss a payment. »»Contact banks and credit card companies online or by phone to update your address. »»Create a budget for moving expenses such as trucks and insurance, boxes, cleaning services and utility hookups so you’re not stuck paying for such services long after you’ve settled into your new place.

»»Keep your financial records with you. »»Be sure you’ve thoroughly cleaned your old house and haven’t left any important financial documents behind. »»Consider providing your new address to the next tenants so they can forward important documents to you.

After the move:

»»Consider adding one or two local credit card or store accounts. »»Close any credit accounts you don’t use.

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»»Monitor your statements to make sure you’re no longer being charged for services you’ve cancelled.

Moving with Children

Moving is a stressful time for everyone. The experience can be especially upsetting for children. According to a clinical psychologist, the unpredictability of the move and the loss of control over comfortable surroundings can compound the situation for children. Parents can ease their child’s strain by: (continued on page 11)

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same line, column or 3x3 box.

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PUZZLE NO. 136

ANSWER TO PUZZLE NO. 136

HOW TO PLAY:

nd every once.

Fill in the grid so that every row, every column and every 3x3 box contains the numbers 1 through 9 only once.

already member: 9 in the

Each 3x3 box is outlined with a darker line. You already have a few numbers to get you started. Remember: you must not repeat the numbers 1 through 9 in the same line, column or 3x3 box.

Volume 5 â€˘ No. 1 | North Sound Living

NSL 2011 »»Giving advanced warning of important dates vital to the move. »»Explaining where you are moving, and why, in the simplest terms. »»Highlighting for them the benefits of where you’re moving in ways they can understand. »»Using maps and pictures to make the move seem more tangible to them. »»Assigning specific responsibilities, based on age and ability level. »»Having them sort through their own belongings to discard any unused or broken toys. »»Making a family decision on which charities will receive charitable donations. »»Giving each child a package of postcards to address and distribute to their own friends so they will have mail waiting for them at the new home. »»Having the kids memorize the new address (and phone number) as they label boxes. »»Giving each child a diagram of their new room so they can decide on how to arrange the furniture.

North Sound Living | Volume 5 • No. 1

»»Providing each child with plenty of boxes for their valuable treasures. »»Providing them with special packing cartons for the prized possessions they will carry on moving day. »»Allowing the children to unpack their own belongings to increase their sense of security in the new home.

Caring for the Children

Selecting appropriate child care for your infant or young child can seem as overwhelming as helping your teenager select a college or university. As a parent, it is your responsibility to ensure that your child is safe and happy in a childcare environment that is fun, educational and nurturing. Whether your child’s daily care setting is center-based care, a preschool or someone else’s home, there are specific guidelines to follow to ensure that your child is receiving quality, professional care suited to his or her developmental needs. Most important in determining the type of care that will best meet your child’s needs is to have a solid understand-

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ing of your child’s temperament, likes and dislikes, health, interests and behavior. For an infant under one year of age, careful attention should be given to your child’s need to be nurtured and held, any special health needs, and the type of person you want to care for your child during the first year of his or her life. For an older child, developing play and learning styles, interaction with other children, intellectual curiosity, and the need for individualized attention should be considered. Before choosing a care setting, you should be aware of the options available including cost, location, and reputation. Skagit County provides helpful information for newcomers to the area on selecting the appropriate type of care for your child.

Moving with Pets

Relocation isn’t just stressful for people; it will be equally stressful for your pet(s). Pets, as with humans, are very sensitive to changes in their surroundings. Remember that pets think the house is their territory: seeing the house

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become gradually emptier may agitate them. Moving companies will not move living things; they will be your sole responsibility. There are numerous ways to help them adapt to their new environment. Pre-planning is crucial for your pet. Know what it will take for them to be comfortable during each stage of the move: before, during and after. Above all, be aware that every state has laws regarding animal entry, and Washington is no exception. Your pet must comply with established health regulations. Before making moving arrangements, take your pet to its regular veterinarian for a health checkup, vaccinations, and to inquire about entry permits and sedation. Be sure to obtain important documents, such as your pet’s health records and rabies tags. Ask for a referral vet in your new area. Animal entry laws may be especially difficult when moving from foreign countries. Depending on the country you are moving from, your pet may be quarantined for up to as long as six months for health inspection. In these cases, you may want to consider leaving your pet

with a relative or a friend. Unless you’re traveling a very long distance via airplane, it is recommended that your pet accompany you in your car. If your pet, especially a cat, isn’t used to car travel, take it on short rides around the block several weeks beforehand and then gradually increase the distance. This will help condition your pet to the space in your car and more importantly, to the motion of the car. Although you may be able to train your pet to sit still and not move around, it is safer and sometimes makes pets feel more secure to travel in a pet carrier where they have a flat surface to lie down. Getting them accustomed may take several short trips. Once they realize they will always be traveling with you, regardless of where, their stress level will be reduced. Some pets may never become accustomed. Consult your veterinarian about medication or sedatives to reduce or eliminate motion sickness, constant agitation and crying. Make sure each of your pets is wearing their proper collar with ID and rabies tag before you leave. Also have all of

their health documents in one convenient place. You’ll need to pack a suitcase for your pet. If you’re planning to stop at a hotel/motel along the way, call ahead to find out which ones permit pets. Make reservations as opposed to stumbling upon one on the road. Have a leash on hand to move your pet from the car, and remember that other animals may be present at rest stops.

On The Road

Avoid feeding or giving your pets water for several hours before your drive. It is important that you are attentive to your pet’s well-being. If they are uncomfortable in any way, make a stop. Remember to leash them before letting them out of the car. Plan to make frequent stops for feeding and resting. Plan to feed your pets once daily or just a few small meals during rest stops. Even then, you must remember that cars trap heat far too quickly: NEVER leave your pet alone for more than a few minutes, particularly in hot weather. On a summer day of only 85 degrees, for example, even keeping the windows slightly open won’t stop the inside temperature from climbing to 102 degrees in 10 minutes and 120 degrees in 20 minutes. Don’t risk your pet’s well being.

Pet Licensing

A pet license from the county is your best assurance for the safe return of a lost pet. Skagit and Whatcom counties require licenses for all adult dogs and cats residing within the county limits. Individual cities may require additional licensing. A license is required regardless of whether the pets are kept indoors or outdoors. Dog tags are not only required within City limits but also help bring wandering, lost or stolen dogs home. Find the local department that takes care of licensing nearest you. In Anacortes, the Finance department of the City of Anacortes takes care of dog tag yearly renewals. Bring in your dog’s name, breed, weight, rabies tag #, dog’s birth date, vet name and your contact information. Cost is $5 for spayed/ neutered, $15 for intact. The Finance Department is open Monday through Friday except holidays. Office Hours: 8:00am to 5:00pm; call 360-293-1900. In Mount Vernon, register or license 12

Volume 5 • No. 1 | North Sound Living

NSL 2011 your pet by contacting the city Records Division Monday through Friday 8:00am to 5:00pm. Proof of rabies vaccination and spayed-or-neutered verification is required. Email: Animal Control/Parking Enforcement at jackif@ci.mount-vernon. wa.us; call: 360-336-6271. In Whatcom County, dogs that are kept within city limits are required to have a license and rabies vaccination, and a certification of vaccination signed by an accredited veterinarian showing that the vaccination does not expire prior to the expiration date of the license must be provided upon request. Visit the Whatcom County Humane Society (whatcomhumane.org) for details at Whatcom Humane Society, 3710 Williamson Way, Bellingham, WA 98226. call: 360-733-2080. It is against the law to allow your dog to roam off your property, and owners are responsible for any damages and must pick up all droppings. Persons aged 65 years of age or older are entitled to reduced pet license fees if their dog or cat is spayed/neutered.

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All domestic pets are forbidden at public swimming beaches and dogs in Skagit County must be leashed on a maximum 8-foot leash at all times, except at designated off-leash dog parks. The good news is that there are more and more dog parks springing up.

Washington State Ferries

Washington State boasts the largest ferry system in the United States, serving eight counties within Washington and the Province of British Columbia in Canada. The ferry system is an essential part of western Washingtonâ€™s highway network. Twenty-eight ferries cross Puget Sound and its inland waterways, carrying over 26 million passengers to 20 different ports of call. From Tacoma, Washington, to Sidney, British Columbia, up and down the Sound, they act as a marine highway for commercial users, tourists and daily commuters alike. For a listing of routes and schedules, visit http://www.wsdot. wa.gov/ferries or call 888-808-7977.

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NSL 2011

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ApArtment liVinG For YoUr CAt’S SAke, prACtiCe GooD HeAltH (ARA) - Cats are known for their independent nature. However, as with all pets, cats depend on their pet parents to make the important decisions that impact their well-being, including their diet.

portions. Foods like avocados, raisins and onions can even be poisonous for your cat, according to the ASPCA’s Animal Poison Control Center. It’s important to remember that treats should only be used as a reward - not as a supplement to food or for any other reason. A safe alternative to scrapping is to keep cats’ diets consistent and make sure cats are eating the correct cat food, specific to their individual needs. 9Lives cat food is a brand that can easily distinguish these needs, making sure cats have everything necessary for a balanced diet. Here are a few tips to keep cats fit:

While most pet lovers have good intentions when caring for their feline friends, there are still misconceptions as to what are considered healthy choices, particularly when it comes to feeding their cats. According to a survey conducted by the markers of 9Lives cat food, nearly 50 percent of all feline pet parents admit to feeding their cats table scraps. This common, innocent misstep can lead to difficulties when it comes to a cat’s nutritional well-being.

• Avoid overfeeding - Overfeeding your cat is a common mistake and can be extremely dangerous, according to Dr. Molly Williams of Hayden Meadows Pet Clinic in Portland, Ore. “It is important to follow the feeding guidelines and nutritional information on the side of your food bag, but also monitor weight changes in your cat when evaluating these recommended feeding instructions,” says Williams.

Pet parents know the importance of making sure their pet is included as part of the family, but unfortunately this often leads them to feed their cats from their own plates. It could be detrimental to cats’ health to not only consume human food, but to be fed straight from the table, without measuring their

• Incorporate exercise - When thinking about pets needing exercise, you might jump to the conclusion that dogs need exercise, not felines, which is not the case. It may be beneficial to make an exercise schedule for your cat, and make sure she is getting an appropriate amount of daily

Volume 5 • No. 1 | North Sound Living

NSL 2011 exercise for her weight. “A fun tip I like to recommend is scattering your cat’s food at different stations around the house. It encourages the cat to work for her food, and gives her some exercise in the process,” says Williams. • Frequent veterinary visits - “Obesity is one of most common nutritional issues seen in cats,” says Williams. Many times, pet parents are unaware that their cat may be slowly gaining weight or be at risk for obesity. It is crucial for cats to have regular veterinarian checkups to keep them on the right nutritional track. To receive nutritional advice and additional information on the right food for your cat, visit www.9Lives.com.

mYtHS AnD FACtS ABoUt renter’S inSUrAnCe (NAPS)—When someone purchases a home or refinances a mortgage, it’s expected that he or she will also buy insurance. In fact, in most cases, it’s required. The same is not true, however, for those who rent a house or apartment. Unfortunately, many find out too late that forgoing insurance can be a costly mistake. Here are some myths—and facts—about renter’s insurance: • MytH: “i doN’t Need reNter’s iNsUraNce. My LaNdLord’s iNsUraNce wiLL coVer Me.” Fact: Many people believe that their landlord’s insurance will cover their personal belongings. While the landlord probably does have coverage on the building, your property is your responsibility. If thieves steal the kitchen sink, your landlord is covered. But if they take your new 52” flat screen, you likely

North Sound Living | Volume 5 • No. 1

voL 5 #1

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get to foot the bill for the replacement. • MytH: “My possessioNs areN’t wortH tHat MUcH.” Fact: You might not think you own much, but wait until you start replacing those shoes, suits, dresses, pots, pans, electronics and furniture. The tab can add up quickly. In the event of a fire, you might find yourself replacing every single thing you own. • MytH: “i’M MoViNg, so i doN’t Need reNter’s iNsUraNce.” Fact: Actually, most insurance policies cover your goods while you are moving from one place to another within the state. If you don’t have insurance, and someone steals your moving van or friend’s car, you don’t have much recourse. • MytH: “aUto iNsUraNce wiLL coVer property stoLeN froM My car.” Fact: Not true. Your personal property, such as your laptop or camera, is covered under your renter’s policy, not your auto policy. • MytH: “if soMeoNe gets HUrt iN My HoUse, My LaNdLord wiLL taKe care of it.” Fact: If someone is injured in your apartment due to your negligence, you are liable, not your landlord. You might even be named in a lawsuit because of something your kids or pets have done. Renter’s insurance will give you some basic liability protection, so that you—and Fido—can sleep soundly. • MytH: “r eNter’s iNsUraNce is eXpeNsiVe.” Fact: Actually, it is relatively inexpensive since the insurance company is insuring your contents and not your dwelling. Plus, compared to losing your valuables in a theft or fire, it is downright cheap. For example, Wells Fargo provides access to a policy that can cost as little as $11 per month, including liability insurance, depending on where you live. Find more information at wellsfargo.com/insurance. Your landlord’s insurance may not cover your possessions or provide you with liability protection. 15

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YoUr Home/liFeStYle BAtHroom remoDelinG: 5 StepS to mAke YoUr BAtHroom A perFeCt mAtCH For YoUr FAmilY (ARA) - Bathroom remodeling includes a dizzying array of decisions. Choosing from among so many beautiful styles, shapes, materials and innovative technologies is at once exhilarating and exhausting. Here are five steps to help you narrow the field to make the best choices:

1. eVaLUate tHe Needs of tHe BatHrooM. Do you prefer soaking in the tub or are you a showering family? Do you often need to share the bathroom in the mornings as your family gets ready to go off to work and school? Consider possible users of the bathroom: guests, family members and future owners. Will your new space work for all ages and abilities? 2. fiNd yoUr styLe. It's in the pictures you've saved as you've

been planning your dream bathroom. Bathroom suites of fixtures, faucets and accessories designed together with just the right touches make it easy to feel confident about your product choices. Need help? Check out the "Style Advisor" at www. americanstandard.com to answer six simple questions designed to help you find your perfect style.

3. opeN

Up soMe space. If you rarely use your bathtub, consider pulling it out and replacing it with a shower to gain more space. A fixed showerhead paired with a handheld showerhead that has multiple spray functions at the touch of a button is a nice little luxury. If you are remodeling to 18

accommodate an elderly or disabled family member, replace your old tub with a comfortable and accessible seated shower, designed to be easily installed within an existing tub recess.

4. taKe

coMfort. Look for vanities like the Savina from Porcher at 36 inches high. Most adults find this height more comfortable and convenient to use. Consider toilets that are "right height" designed to be typical chair height at 16 to 17 inches from the floor to the bowl rim rather than the conventional 14 inches. Single-handle faucets with advanced drip-free performance have smooth and easy operation for temperature control. Look for sink and shower faucets with an adjustable hot limit safety stop to reduce the risk of scalding by restricting how far the handle can be pushed to the hot side.

5. sHoULd yoU go greeN? First check to see if you get green for going green. Toilet rebates can be as high as $300 in some jurisdictions, and will help extend your remodeling budget. A good siphonic dual-flush toilet can cleanly and completely flush as much as 2.2 pounds of solids on the high setting, while using as little as 1 gallon of water for liquids. Look for the WaterSense label to assure you're getting a top performer. Visit www. responsiblebathroom.com to view all the product options. Planning a bathroom remodel can take time and research, but having a comfortable, stylish and functional bath to come home to can make your efforts all worthwhile. Whether you are seeking a luxurious sanctuary, a space for the kids to get cleaned up in the mornings, or a place to safely and gracefully grow older, it can all be within your reach. Volume 5 â€˘ No. 1 | North Sound Living

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HoW to reneW A room on A BUDGet (ARA) - No matter the size or style of your home, the decor you choose determines its atmosphere and reflects your own personality. Updating or changing your decor can give you a sense of pride and satisfaction when completed. But redesigning your living space can also be slightly overwhelming. You may think you don't have the time or funds to redecorate, but there are several ways to rejuvenate your interior without spending a great deal of time or money.

paiNt power

an easy and inexpensive way to add some personality to your space, so look for fabrics and styles that most appeal to your inner designer. You can mix and match solid and patterned fabrics in a variety of materials, and you might even buy different pillows for each season. A few bold pillows can go a long way in renewing a room for minimal cost.

seat recoVery

That old armchair with the worn-out seat. The sofa with the huge dark stain. Dad's hideous but oh-so cozy recliner. Comfort may have nothing to do with style, but you don't need to live with an eyesore for the sake of your seat. Reupholstering a chair or sofa is a much more cost-effective solution than purchasing new furniture, but it can take time and may not be feasible depending on the seat design. If you aren't confident in your upholstering skills, a slipcover is an instant solution that requires almost no time. Slipcovers for furniture of all sizes and shapes are available in a wide variety of colors, designs and fabrics.

Creating or changing the feel of a room begins with the canvas of your home - the walls. For a dramatic change with minimal cost, give your walls a bright splash of color that complements the furniture and fabric in the room. Dutch Boy can help you fi nd the perfect hue with its Color Simplicity tool, which allows you to apply different color combinations to various room images including kitchens, living rooms, bathrooms and bedrooms. Change the trim and accessory colors to get an even better idea of what your room will look like with a fresh coat of paint. Browse VALLEY VACUUM • 360-336-9569 the expansive color library by family or collection, or choose from the 2011 From Starting at $199 Color Trends palette to experiment $19.99 and fi nd your perfect shade of paint. From $149 You can save your favorite projects and order paint samples in seconds, or VACUUM Why buy vacuums from us, and not a continue to try out new combinations. SERVICE department store or wholesale club??

fraMe of MiNd

If you're like many, you have boxes upon boxes of photographs. But why keep them hidden? Look for fun or fancy frames to showcase those cherished memories and people, and place them on end tables or hang on your newly painted walls. If you have a large area of bare space, consider having an especially meaningful picture enlarged, matted and framed as a focal point of the room. With endless styles and sizes available, spread a variety of pictures throughout the room to create a personal and inviting atmosphere.

tHrow iN soMe styLe

Once you've decided on a color scheme for your room, spice things up with throw pillows in contrasting or complementary shades. Throw pillows are North Sound Living | Volume 5 • No. 1

All Makes & Models $19.99 & Up • Basic Service • Upgrades • Trade Ins • Rebuild • Repair • Sanitize • Tune-up

• We offer 3 free basic service/tune-ups with each vacuum purchase. • Competitive prices backed by experts on site to service, repair, train, and advise. • We carry & stock parts and accessories for all vacuum makes and models. • Authorized Factory Warranty Sales & Service Center.

VACUUM BAGS & FILTERS BOLTS & BRUSHROLLS PET STAIN & ODOR SOLUTIONS, SPOT REMOVER

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Bobrick Restroom Accessories & Partitions 1320 Riverside Drive, Mount Vernon, WA 19

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SeVen StepS to A Greener liFe (ARA) - For most people, being “green” seems overwhelming and time consuming. But even the tiniest change counts and the process doesn’t have to be a hassle. Starting out with a manageable action plan is the key to success. Follow these seven steps and even the least eco-conscious family will be inspired to become regular recyclers in no time.

1. LooK aroUNd yoUr HoUse for greeN opportUNities

Walk into your house with your “green police” glasses on. Do you see an easy place to store your recyclables? Are your light bulbs energy efficient? Start to notice if any family members are using too much water, or leaving unneeded lights on. Get your kids on board and see if they can help spot ways to change as a family; they are very perceptive and can often see things in a way no adult ever could.

2. get yoUr gardeN growiNg aNd saVe.

Yes, planting a garden might seem like a huge undertaking, but the rewards far outweigh the work. Talk to any gardener and you’ll realize that the process of planting and tending a garden is quite relaxing and truly rewarding. Plus you’ll save money. One pack et of seeds costs around 50 cents and yields enough fresh produce for you and your family to eat all summer, with more to share. And if you’re gardening, that means less trips to the grocery store, which means less driving and less gas usage. Best of all, you are in complete control of what you eat, and can make your produce as organic as you wish.

in reusable water bottles for the whole family and keep extras in the car so you’re never tempted to go back.

5. ride yoUr BicycLe to worK.

According to the United States government, bicycle commuters save on average $1,825 annually in auto-related costs, reduce their carbon emissions by 128 pounds, conserve 145 gallons of gasoline, and avoid 50 hours of gridlock traffic. Plus, you are exercising so you’ll feel more energized and have a better night’s sleep.

6. soaK Up tHe soLar power.

The initial investment in solar power can be costly, but it’s the future energy savings that will make solar power a wise choice. Snyder’s-Lance, for instance, is currently in the process of building the largest ground-based solar farm in Pennsylvania. With over 15,000 solar panels spanning 26 acres, the solar farm will reduce greenhouse gas emissions in excess of 230 million pounds of carbon dioxide over a 25-year period. Read more about the solar farm at www.snydersmediacenter.com.

7. Be opeN to sMaLL cHaNges.

Becoming green is really about seeing life differently and being open to make changes, however small they may seem. Things like driving slower (uses less gas), unplugging unused electrical devices (no more phantom usage), and using a microfiber cloth (instead of paper towels) can really add up over time. And the sooner you get started, the better our planet and your home will be.

3. Be aware of prodUct pacKagiNg.

Not all packaging is created equally. Keep an eye out next time you’re in the grocery store for renewable packaging. For instance, Snyder’s of Hanover Organic Pretzel Sticks are packaged using 90 percent plant-based materials. The renewable raw material used to make the new packaging is produced with as little as half the energy compared to traditional petroleum-based packaging. Best of all, the Organic Pretzel Sticks come in three delicious flavors: Organic 8 Grains & Seeds, Whole Wheat & Oat Bran and Honey Whole Wheat. So you’re buying a product that tastes good but is good for the environment too - the best of both worlds.

4. forget pLastic water BottLes.

According to Nubius Organics, more than 26 billion bottles are thrown away each year (less then 15 percent are recycled). The plastic from these bottles doesn’t biodegrade so it’s now a permanent part of our landfills. Instead of adding to the problem, become part of the solution. Invest 20

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moDern BriDeS pUt UniQUe SlAnt on 'SometHinG olD, SometHinG neW' (ARA) - Something old, something new, something borrowed, something - very unique. To make a wedding both fun and sophisticated, modern brides give the old wedding adage a playful twist. If you're planning your wedding, or helping someone special plan her own, here are some modern variations on the tradition:

"THINKING

OUTSIDE THE

BOX MAY MEAN THAT YOUR SOMETHING BORROWED ISN'T AN ACTUAL ITEM."

Something old: Something old represents the bride's past. Personalize this tradition by incorporating a small memento from you and your fiance's past together. Did you keep something from one of your favorite dates? Maybe you still have the ticket stub from the fi rst concert you attended together, or the wine cork from your fi rst date.

Thinking outside the box may mean that your something borrowed isn't an actual item. Perhaps you want to honor your grandparents on your wedding and "borrow" parts of the vows they said so many years ago. Or maybe your best friend has a marriage philosophy you admire that you can print on the dessert napkins for all guests to enjoy. Feeling musical? Ask your parents what song played during their fi rst dance and surprise them by borrowing it for your own. Something blue: Looking for something fun for your guests to take home as a thank you token? Wrap up blue lollipops and or other blue candies in gift bags with a special note thanking them for being part of your special day. The modern bride is always fi nding new ways to incorporate tradition into their wedding. Finding something that is personal and meaningful to both you and your husband to be will make your wedding day even more memorable.

Brides are tucking these small items into their bouquets to bring them good luck. At a special moment during the evening, you can reveal the keepsake to your husband and remember just how far you've come as a couple. Something new: Scent creates powerful memories and brides today are taking notice. For your wedding, fi nd a new fragrance that perfectly fits your special moment. For years to come, the fragrance will remind you and your husband of your wedding day. A wedding calls for a memorable scent like twirl by kate spade new york, perfect for this joyous and festive occasion. A fresh floral bouquet mingles with pink watermelon and red currant, while luminous musks and a touch of French macaroon add that wink of surprise that will keep your husband-to-be enamored and your guests intrigued. Something borrowed: To inherit luck, tradition says that something borrowed should be from a person who has a happy marriage. North Sound Living | Volume 5 â€˘ No. 1

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Pound for pound, the recycling or reuse of clothing prevents more in climate-changing greenhouse gases than glass, paper, and plastic recycling combined. Only aluminum has a greater impact. The production, transport and disposal of clothing represents an energy-intensive process with serious environmental consequences on a global scale. From the petroleum requirements for the manufacture of man-made fibers to the pesticide and water requirement for natural crops, the carbon footprint of the clothing industry is enormous….and growing. When much of the world endures seemingly perpetual drought, it’s hard to imagine that over 700 gallons of clean water is required to produce the cotton for a single T-shirt. Amazing. And the industry works hard to provide consumers with ever-cheaper import goods designed

to be worn, discarded and replaced with ever increasing frequency. There is no single solution. No magic bullet. Clothes and other textile products are only a small part of a much larger problem. Experts will continue to debate man’s contribution to global warming. But why take chances with the only planet we’ve got? We each must do what we can with what we have. Make smart decisions on what you buy, where you buy, what you keep, what you dispose of, and how you dispose of it. Education is the key. At USAgain we work to provide a convenient solution for your unwanted clothes and shoes across the country. That’s what we do. But we encourage everyone to make the greenest choices possible. We’re in this together.

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WAnt to plAn HeAltHY eAtinG HABitS For tHe WArm SUmmer montHS? StArt At tHe GroCerY Store (ARA) - Starting nutritious eating habits can be a difficult challenge to take on. But as the weather changes so can your motivation to achieve that new look for summer. It's important to always have a variety of healthy options in your home to ensure you stay on track. The fi rst place to start is when you're pushing a grocery cart through the aisles. But, with so many choices, it can be a little overwhelming to shop smart. Here are a few tips to help you from the moment you enter the grocery store:

doN't sHop HUNgry. You may have already tried this, and know from experience that when your tummy is rumbling, you tend to shop for anything that gives you immediate satisfaction - even if you won't be eating it until much later. Write your shopping list down, and stick to it. Make sure the list contains a variety of meat, fi sh, vegetables and fruit to round out your diet. seeK

oUt tHe fresH, caNNed, aNd froZeN frUits aNd VegetaBLes iN yoUr grocery store. Search for a variety

of brightly colored produce to get a healthy mix of nutrients. Also pay attention to what fresh items might be in season, so you can rotate your menus from month to month.

iNcLUde

soMe ready-to -eat optioNs for wHeN yoU Need a coNVeNieNt aLterNatiVe. Items like Weight Watch-

ers Smart Ones products are portion controlled, making it easy to enjoy a balanced meal. Plus, the packaging features the Weight Watchers PointsPlus values for each serving, allowing you to conveniently plan out the day in PointsPlus values. Visit www.eatyourbest.com to fi nd a variety of options, including

North Sound Living | Volume 5 â€˘ No. 1

two new items in the Smart Ones Morning Express line: an egg, sausage and cheese breakfast wrap as well as a French toast entree that is complemented with turkey sausage. Both items have 290 calories or less and 8 grams of whole grains.

stocK

yoUr cart witH wHoLe graiNs. Remember that whole grain foods often provide fiber, which could help you feel sustained for longer. Americans should aim to incorporate whole grains into half of their daily grain consumption, according to the most recent dietary guidelines. A few standard items that offer whole grains include brown rice, oatmeal, cereal and crackers. Also, many manufacturers are incorporating more whole grains into their products and calling attention to it directly on the packaging, so look for products that call out "made with whole grains."

pacK oN tHe proteiN. Remember to choose an assortment of

foods that provide protein, such as lean meat, fish, eggs, beans and nuts. Lean meats contain a high amount of protein with little to no saturated fat. These foods also contain B vitamins, vitamin E, iron, zinc, and magnesium - essential nutrients that help your body build calorie-burning muscle.

satisfy

tHe desire for sweets. Yes, you are allowed to enjoy a sweet treat here and there but, be smart about how you satisfy your sweet cravings. Divide them into portions before serving so you can help prevent over indulging.

With whole grains, portion-controlled sizes, fruits and vegetables, proteins and even dessert in your shopping cart, following a healthy eating regimen this spring and summer can be a little easier, even on the busiest days.

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HeAltHCAre/Senior liVinG Several national publications have pinpointed the Northwest corner of the US as one of the top locations for seniors who want to fully take advantage of retirement during their Golden Years. Skagit and Whatcom counties complement the spotlight with offerings that preserve an active lifestyle regardless of age. United General Hospital 2000 Hospital Drive Sedro-Woolley, WA 360-856-6021 www.unitedgeneral.org United General Hospital has been a vital part of the community for more than 40 years, serving Public Hospital District 304, including Burlington, Sedro-Woolley, Bay View, Samish Island, Concrete, Marblemount, Clear Lake and portions of Mount Vernon. The staff at United General prides itself on providing personalized care in a quiet, healing environment. In addition to an excellent staff, the hospital embraces state-of-the-art technology 24

to ensure quality and safety. From the new digital mammography and linear accelerator in the cancer care center, to the fully computerized sleep disorders center, and the wireless, voice-activated communication systems, United General is bringing big city technology to its friendly, rural setting. Services at United General include comprehensive cancer care, an emergency department staffed with specially trained doctors and nurses; a diagnostic imaging center with everything from X-ray to MRI; a variety of surgical services; cardiac and pulmonary rehabilitation; physical and occupational therapy; and the only certified diabetes education program in the area. The hospital also offers Wellness 360, a community education program that emphasizes all-around health. Classes provide information on nutrition, exercise, stress management and many other health-related topics, as well as screenings and risk assessments. United General hosts an annual womanâ€™s health fair and other special events for the public.

Medicare Prescription Drug Coverage Your guide to what's new and what to do for 2011 Whether you're approaching age 65 or already enrolled in Medicare, the annual enrollment period for 2011's Medicare plans is an important time. When it comes to prescription coverage, seniors are seeing some of the biggest changes since the Medicare prescription benefit became available in 2006. The changes - from having fewer options to premium increases to new discounts on brand-name drugs - are enough to make anyone's head spin. But, seniors who don't take the time to research their options and choose the plan that best suits their needs could leave hundreds of dollars in annual premium savings on the table. In fact, according to a recent study by the Robert Wood Johnson Foundation, only about 10 percent of participants change plans annually. Staying put and (continued on page 31) Volume 5 â€˘ No. 1 | North Sound Living

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tHink BeFore YoU Drink: FooDS AnD BeVerAGeS BotH mAtter (ARA) - Obesity rates are on the rise, making maintaining a healthy lifestyle for yourself and your family more important than ever. You may know the benefits of monitoring what you eat - but how about what you drink? With the average American drinking 400 calories a day and warmer weather here, watching the calories in beverages is especially crucial. Taking what you eat and drink into consideration is vital to a balanced diet and lifestyle. Staying healthy is particularly important during the summer with vacations, camp and the great weather, there is a lot you do not want to miss out on. Incorporating healthy eating and drinking habits into this summer’s routine can be easy and rewarding. A few quick tips for you and your family: * Replace one 12-ounce sugared beverage per day with water, such as Nestle Pure Life, to trim more than 50,000 calories a year from your diet. * Sip on water with snacks to stay hydrated (and help stave off hunger) throughout the day * Choose baked or air-popped treats over fried chips and pack trail mix for lasting energy * Encourage your children to drink water instead of sugary beverages to improve mental focus, performance and concentration, whether at camp or on the playing field

Healthy hydration is especially important during summer when you and your kids are active - and drinking water is a smart, zero-calorie way to quench your thirst. “Keeping well-hydrated throughout the day - with beverages like Nestle Pure Life water, that don’t pour on the calories - is critical to staying healthy and fit,” says registered dietitian Victoria Shanta Retelny, a nutrition expert and mom. “Don’t wait until you’re thirsty. Drink water throughout the day to maintain good hydration.” The new dietary guidelines to be aware of their beverage a healthy lifestyle and balanced families with quick and easy is important to help families

encourage Americans consumption to achieve calorie intake. Providing yet meaningful solutions follow the guidelines.

“Nestle Pure Life is committed to helping families live healthy, active lifestyles,” says Retelny. “If you go to nestle-purelife.us and pledge to swap one sugared beverage a day for water, you can cut up to 50,000 calories from your family’s diet a year. By joining the Hydration Movement, you’ll unite with thousands who pledged last year and cut millions of calories from their diets.” For more information, and to join the Hydration Movement, visit www.nestle-purelife.us. When it comes to healthy living, making simple adjustments to what you and your family are already doing can have a big impact.

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FiVe Simple SCreeninGS to Get on tHe pAtH to A HeAltHY liFe (ARA) - One in two Americans is living with a chronic disease. Chronic diseases are persistent and recurring, and are typically either hereditary or the result of factors such as poor diet, obesity or lack of exercise. Dr. Ian Smith, creator and founder of "The 50 Million Pound Challenge" and "The Makeover Mile" is a health and nutrition expert who is constantly encouraging Americans to be proactive when it comes to their health. "Unfortunately, many Americans postpone or even skip key health screenings due to fear, lack of awareness, or cost concerns," says Smith. "However, it's important to know your risk so you can make the appropriate lifestyle modifications to change - or reverse the course of chronic disease." Smith recommends five simple screenings as a fi rst step in determining whether or not you are at risk for a variety of treatable - and preventable - chronic diseases. These screenings will be available for free as part of "The Makeover Mile" which he is presenting with CVS/pharmacy in conjunction with their "To Your Health" program in seven major cities across the country.

diaBetes A simple fi nger prick is all that is needed to check your blood glucose levels to see if you are at risk for diabetes. If your blood glucose test shows that you are at risk for diabetes, your doctor will work with you to make certain lifestyle changes, particularly involving diet and exercise.

North Sound Living | Volume 5 â€˘ No. 1

BLood pressUre Blood pressure is measured by a quick, painless test using a rubber cuff that is wrapped around the upper arm and inflated. If your blood pressure is consistently high, your doctor will likely recommend lifestyle changes, such as exercise, a healthy diet, quitting smoking, limiting alcohol and/or recommend a maintenance medication.

cHoLesteroL Even though high cholesterol may lead to serious heart disease, most of the time there are no symptoms, which is why it is important to have your cholesterol levels checked. A rapid cholesterol test involves just a simple blood sample from the fi nger. As with diabetes and blood pressure, lifestyle changes such as exercise and weight loss, maintaining a healthy diet, and quitting smoking are recommended if your cholesterol levels are not within a healthy range. If the added measure of a maintenance medication is needed to keep your cholesterol at a healthy level, it is important to make sure that the medication is taken regularly, as prescribed.

otHer iMportaNt screeNiNgs osteoporosis aNd VisioN

Two other important screenings that shouldn't be overlooked are osteoporosis and vision. A simple bone mineral density test, done via low-dose X-rays, determines whether or not you are at risk for osteoporosis, a disease that causes bones to become fragile and more likely to break. Additionally, a vision screening can help identify whether or not you are at risk for eye disease.

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Simple Ankle SprAinS not So Simple The common expression, “oh, it’s just a sprain”, may lead to a false casual attitude about the seriousness of the common ankle sprain. Often a sprain is either treated at home with elevation and ice. Others go to an emergency room, and, when no fractures are revealed, the ankle is wrapped in an ace wrap and crutches are prescribed for use for a few days. The consequences, as a result from that simple ankle sprain, may often lead to chronic ankle problems. The usual ankle sprain involves the ligaments of the outside of the ankle. Since ligaments connect bone to bone around a joint, if those ligaments are torn or stretched, the joint can become loose and unstable. The ligaments on the outside of the ankle are most often

injured when the ankle rolls over onto the outside and the foot twists under the leg or up toward the front of the leg. There are three main ligaments on the outside of the ankle which are of concern when an ankle is injured, with all functioning to keep the ankle joint stable during weight bearing activities. There are numerous other structures around the ankle which can also be injured and may often mimic the simple ankle sprain. These injuries are often overlooked and include: dislocation of tendons. Achilles tendon injuries, heel bone fractures, pull off fractures of bone from tendons, and joint cartilage injuries of the ankle joint itself. So how should that simple ankle sprain be properly treated to prevent long term complications? To accurately diagnose the source and extent of injury, the ankle must be examined thoroughly by a trained foot and ankle specialist. In a fresh

We Know Feet Inside And Out. From simple sprains to major pains, the doctors at Ankle&Foot Clinic of Everett are trained exclusively to diagnose and treat your ankle and foot problems.

When experience, knowledge, and personal attention are important to you give us a call and meet these special doctors. Let us help you put your best foot forward!

Jeffrey Christensen, DPM, FACFAS Mary Crawford, DPM, FACFAS Cherie Johnson, DPM, FACFAS Robert Stanton, DPM Jarrod Smith, DPM

3131 Nassau Street • Everett 98201

(Across From Providence Everett Medical Center

425-339-8888

www.AnkleAndFootNorthwest.com 28

Volume 5 • No. 1 | North Sound Living

NSL 2011 injury, the ankle will swell and bruise. Compression (such as an ace wrap) and ice should be applied immediately to help control swelling. Since walking on an injured ankle will usually make treatment more difficult, weight bearing should be avoided, if possible, until the ankle can be fully evaluated. A physical examination will identify the areas which are most tender and swollen and X-rays will be obtained to identify any possible fractures of the ankle and foot. If no fractures are present, and ligaments have clearly been injured, then cast immobilization for several weeks is often needed followed by rehabilitation. In most instances using this treatment, ligaments will heal uneventfully. If after that time period instability persists, a stress exam should be performed on both ankles for comparison using a special machine, called a Telos (tea-los) designed in Germany. This apparatus is the only way to accurately evaluate the extent of ligament damage. If severe ligament damage has occurred and is left untreated, long term instability can make the ankle more susceptible to re-injury, as well as subject the joint to potential end stage arthritis. At this point in treatment, surgical repair or ligament reconstruction should be considered to restore ligament integrity and ankle function. All hope is not lost for painful untreated ankle injuries. These untreated ankles will often swell pop, lock, or give out

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and be painful even with minor activities. There are many successful treatments that have been devised for the old neglected ankle injury, even the injury that has plagued a person for years. Recent technological advances have also allowed accurate diagnosis to pin point the source of pain following old ankle injuries. The simple ankle sprain is rarely so simple to justify only an ace wrap, but with accurate diagnosis of injury and treatment by the podiatric physician, return to normal function of the injured ankle can be successful and often avoids the complications of an untreated injury. Information brought to you by Ankle & Foot Clinic of Everett. An Everett icon since 1989 Jeffrey C. Christensen, DPM,FACFAS Mary E. Crawford, DPM, FACFAS Cherie H. Johnson, DPM, FACFAS Robert L. Stanton, DPM Jarrod A. Smith, DPM

Hospice of the Northwest

serves persons with life-limiting illnesses and those supporting them. Our care team is dedicated to achieving the highest quality of life through the alleviation of pain and symptoms, at all times allowing the person to maintain control and dignity in the final months of life.

The care available through Hospice of the Northwest includes an interdisciplinary team approach to meeting medical, social, psychological and spiritual needs through an individualized plan of care. Your Hospice Team would include: • Expert Pain and Symptom Management under the guidance of a registered nurse and the • patient’s physician. •

•

Family Services Coordination for referrals to available community financial and legal resources along with support counseling as desired by trained medical social workers.

•

Spiritual Services by chaplains trained to work with those experiencing grief and loss.

•

Support and Respite Care by specially trained volunteers.

Grief Support Services for patient and family. Hospice care is offered to adults and children living with life limiting conditions such as Cancer, Alzheimer’s, Dementia, stroke, ALS, Parkinson’s, end-stage heart, lung, kidney or liver disease, and debility. Hospice of the Northwest is a medicare certified hospice and a member of the National Hospice and Palliative Care Organization. Anyone can request an information session with a hospice care team member. For more information call 1-800-894-5877 or visit our web site at: www.hospicenw.org.

Skilled Personal Care such as baths, skin care and nail care by Hospice Care Aides.

North Sound Living | Volume 5 • No. 1

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SiX miSConCeptionS ABoUt reVerSe mortGAGeS There are at least six misconceptions about Reverse Mortgages deterring seniors these days and they will be addressed here and now. 1) “My

HoMe MUst Be free aNd cLear for Me to

reVerse Mortgage.” Not True! Proceeds from the Reverse Mortgage are frequently used to pay off mortgage balances as well as credit card debt. The key factors on how much money can be extracted from your home depend altogether upon your age and the balance you owe as a percentage of the current home value. This is one of the few financing instruments that reward you for being older! A very rough estimator is your age less 20 equals the % of home value we can lend. I can run a quick estimate for free if you contact me.

QUaLify for a

4) “My

Heirs wiLL Be LiaBLe for wHateVer

owe

BeyoNd tHe VaLUe of My HoMe”

Never! This is a non-recourse loan which means even if your mortgage balance grew to more than the home was worth, the lender cannot pursue any other assets from your estate! 5) “tHere wiLL Be NotHiNg Left for My Heirs if i taKe oUt a reVerse Mortgage!” That depends entirely upon you! You can reserve a percentage of your equity for them. But if your children are doing fine but you’re struggling, you and they may applaud your spending their inheritance to remain independent, stay in your own home and improve the quality of your life! 6) “a reVerse Mortgage is too costLy coMpared to

2) “oNLy

peopLe

eXtreMeLy

Bad

fiNaNciaL

HoMe eQUity LoaNs or LiNes of credit.”

coNditioNs Need a

reVerse Mortgage” Not true! Many of my financially wise clients have large nest eggs and substantial monthly income but here’s four good reasons they considered a Reverse Mortgage:

Now, what is true is that the closing costs for a Reverse Mortgage are high and not a wise financial choice if you are only using the money for a short period of time. But you may not have enough income to qualify for a line of credit!

• They are worried they might outlive their assets so they don’t want to be forced into taking mandatory withdrawals from their IRA’s at age 70.5!

There are really four core issues we seniors face concerning our future:

• Their monthly investment income has gone down with the stock market and they need some way to recover monthly cash flow. • They are doing well right now, but if one spouse passes on they will lose one of their social security checks • They are downsizing their home and they want to retain as much of the equity they accumulated over the years. 3) “oN

My deatH, tHe LeNder wiLL pUsH My Heirs

aside aNd seLL My HoMe.”

Not so! You are always in title to your home and when all owner occupants pass away, their heirs can refinance or sell the home as they choose. North Sound Living | Volume 5 • No. 1

SURVIVAL: will we outlive our savings and capacity to work or will we have to choose between medicine and food? SECURITY: will we be able to continue living in the comfort of our own home or be forced out by our circumstances? LIFESTYLE: will we just be scraping to get by or will we love our life and be able to vacation or help other family members who are struggling? ESTATE PLANNING: Will our surviving spouse be able to live comfortably? Will an ill spouse exhaust our resources? Can we preserve more wealth by financial planning today? Article provided by Tom Mercadante Senior Loan Officer, Security First Mortgage, Inc. Email tomm@sfmiloans.com, 30

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Reasons to do a Reverse Mortgage

not investigating your options, however, could impact your overall costs. But how do you know if you have the best plan already or if you should consider a different plan? Luckily, there are a few tools that can help with the decision-making process. But first, let's start with the basics and what is changing this year.

Restore Your Cash Flow

Beneficiaries have access to the Medicare drug benefit, known as Part D, through private plans approved by the federal government, either through stand-alone prescription drug plans (PDPs) or Medicare Advantage prescription drug plans (MA-PDs). According to a Kaiser Family Foundation study in October 2010, of those who purchase Part D coverage, 38 percent, or 17.7 million beneficiaries, opt for stand-alone plans. Twenty-four percent, or 11.1 million, are enrolled in Medicare Advantage plans.

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Access to private plans

Plan options in 2011

While shopping around could save many seniors money, some beneficiaries have no option other than to find a new plan for next year. For 2011, the federal government directed insurers to eliminate duplicative Part D prescription drug plans and plans with low enrollment. That means a third fewer prescription drug plans will be offered nationwide next year compared to 2010, according to the Kaiser Family Foundation, and many of the remaining options may come with higher premiums. And with the federal government changing the way it reimburses health plans through Medicare Advantage, some insurers have quit offering their Medicare Advantage plans for next year. If your plan is no longer being offered, you may need to find alternative coverage.

Enrollment periods

Beneficiaries have a six-week annual enrollment period from Nov. 15 to Dec. 31 - to pick a Part D plan for 2011. For Medicare Advantage enrollees, it is especially important to pick the right plan during that period. Unlike previous years, people enrolled in Medicare Advantage plans can no longer switch to other Medicare Advantage plans during January, February and March. However, while this "open enrollment period" will not be available in 2011, after Jan. 1, enrollees can still leave their Advantage plan and go back to original Medicare.

"Doughnut hole" relief

Here's some good news: there is a new 50 percent discount on the formulary's brand-name drugs for those who land in the program's coverage gap, also called the "doughnut hole." In addition, plans will pay 7 percent of the cost for generic drugs in the gap. This applies to drugs that are on the plan's formulary. If they aren't on the formulary there may be no discount, so make sure you check.

How to compare plans

Each plan has different features and each person has unique prescription needs so it's important to find the plan that is best for you. Here are some things to keep in mind: »»Cost and coverage: Plans vary in the coverage offered and how much they cost. Consider the cost of premiums and Volume 5 • No. 1 | North Sound Living

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whether it includes prescription coverage while in the gap. »»Pharmacy: Some plans restrict where you can use your drug plan. Determine whether your desired pharmacy is included in the plan you choose. For example, new this year are some plans whose monthly premiums fall well below the average price for Part D policies. However, these lower-cost plans come with some restrictions. The copays and coinsurance for prescription drugs are lowest when using preferred pharmacies; they increase for outside pharmacies. »»Formulary changes: Insurers may change drug formularies each year. Make sure you enroll in a Part D plan that covers your medications. »»Other limitations: In some cases, a plan may limit the circumstances under which a drug is covered. Certain medications may only be covered after prior authorization, after you've tried other drugs through a process called step therapy, or in certain doses and quantities. Comparing plans can be

overwhelming, but there are easy-to-use online tools such as www.PlanPrescriber.com that can take you through a four step process to narrow down your options and identify the most cost-effective plan. If you have a low income and struggle to pay for your prescription drugs, you may qualify for the Extra Help/Low-Income Subsidy (LIS) program. For more information, go to http://www.PlanPrescriber.com/ medicare-part-d/extra-help/ or https:// secure.ssa.gov/apps6z/i1020/main. html. For additional resources on Medicare, go to Medicare.gov. Though it may seem overwhelming at first, taking the time to research your best option for Medicare prescription drug coverage could really pay off.

How to maximize your cost savings

In 2011, there are lots of changes on tap when it comes to Medicare Advantage and prescription drug plans. But open enrollment is a great time to review your coverage. These DOs and DON'Ts can help ensure you are maximizing your cost savings. »»DO check to ensure your medica-

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tions are still covered. Check your prescription drug plan each year because insurers may change which medications are covered. You can enter your medications on web sites like www.PlanPrescriber.com to see which drugs are covered and compare the projected costs with other plans. »»DO pay attention to the drug limitations in your plan. Even if your medication is on the formulary, a plan may limit the circumstances under which a drug is covered. They may only be covered after prior authorization, after you've tried other drugs through a process called step therapy, or in certain doses and quantities. »»DO consider all your options. Medicare supplemental plans, or Medigap, have their own six-month open enrollment period, beginning the day you turn 65 and are enrolled in Medicare Part B. The enrollment period for Medicare Advantage and stand-alone prescription drug plans is Nov. 15 to Dec. 31 2010. »»DON'T go on auto-pilot. Many plans change cost and drug coverage annually. What worked last year for you could cost you more money this year in terms of higher prescription drug costs and other out-of-pocket expenses. »»DON'T be afraid to ask for help from qualified professionals. You can get help through your State Health Insurance Assistance Program (SHIP), PlanPrescriber, licensed health insurance agents who are certified to sell Medicare, family members or by calling 1-800-Medicare. »»DON'T think that stable premiums = stable coverage. Just because your premiums haven't gone up doesn't mean that you are getting the same plan for the same price next year. SOURCE: eHealth c/o Family Features

Brushing to a Healthier You

(Family Features) We all know that having a bright, white smile is great for your looks, but did you also know that your oral health is connected to your overall health? Recent research has found that periodontal disease, which Volume 5 • No. 1 | North Sound Living

NSL 2011 causes sensitive and inflamed gums, indicates a risk factor for heart and lung disease, diabetes, and a number of other systemic diseases. So it is important to take the necessary steps to ensure having the healthiest gums possible. Good oral hygiene is one of the best methods of prevention. Start by brushing teeth at least twice a day and flossing daily. To take your oral care routine even further, look for toothpaste that contains baking soda, from the brand synonymous with it for more than 150 years, such as ARM & HAMMER Complete Care toothpaste or ARM & HAMMER Advance White Baking Soda & Peroxide. Baking soda has long been recognized for its health benefits, while providing brushers with that “fresh from the dentist” clean feeling. It also acts as a natural buffer that maintains good pH levels inside the mouth by neutralizing acids, helping keep breath fresh for hours. And using a toothpaste containing baking soda doesn’t just mean a healthier smile, it can mean a whiter smile, too. After all, baking soda is great at removing stains caused by coffee, tea, red wine or smoking. For more information about good oral health care, visit www.armandhammer.com.

F ighting the Fat This Winter — and Beyond

Tips for avoiding winter weight gain and ringing in a healthier 2011 (Family Features) When the cold weather sets in, it’s natural to want to avoid the chill by staying huddled inside the house. While lounging by the fireplace may be cozy, staying cooped up in the house can lead to inactivity, overeating and indulging in unhealthy comfort foods. Nutritionist and author of the 4 Habits of Healthy Families Amy Hendel offers these tips to help you and your family avoid the winter weight gain:

the bulge is planning and preparation. Plan your menus, and prepare snacks and meals ahead of time so you are less likely to slip and reach for something unhealthy. Portion control is also important, so when you’re examining what’s on your plate, use visual cues to help you. For example, three to four ounces of protein is about the size of a deck of cards. Finally, playing doesn’t refer to video games. Physical activity will not only help with weight management, but it will improve your mood during those dreary winter days.

Play the Yes, No, Maybe So Game

Knowing which category your food choices fall into will help you make smarter decisions at the grocery store. Fruits and vegetables are “Yes” foods because they are nutrient-dense, have lots of vitamins and fill you up and not out. “Maybe So” foods such as grains, beans and legumes, olive oil, almonds, dark chocolate and healthy fats like those found in fish should be eaten in moderation. The “No” foods tend to be high in calories and low in nutrients, and include desserts, soda and sugary juices, white grains, high-fat meat and dairy products, and many processed foods.

Stay Hydrated

Water should be your go-to beverage because it hydrates, and drinking more water can lead to weight loss, according to a study presented at the 240th National Meeting of the American Chemical Society. To help you and your family get the daily recommended water intake, use a quick-filling pitcher like the Filtrete water pitcher, which filters and fills five times faster than traditional filtering water pitchers. The pitcher helps reduce sediment, chlorine taste and odor from tap water and easily fits on the refrigerator shelf or in the door for easy access by the whole family.

Release Your Inner Child

Don’t use cold weather as an excuse to stop being active. Try to exercise for 45 minutes to an hour per day. When you’re out and about, park farther away from buildings, take walks in shopping malls and always use the stairs. If stormy Practice the Four P’s — Plan, weather is preventing you from getting Prepare, Portion, Play out of the house, exercise inside as a One of the key elements for battling family: climb stairs for a cardio workout, North Sound Living | Volume 5 • No. 1

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create an obstacle course in the living room, or simply play an active game, such as freeze dance, indoor volleyball with balloons or floor hockey using wrapping paper tubes for the sticks and sponges for the puck. Practicing yoga, martial arts and Pilates are also great ways to fight the winter blues.

Five Fun Ways to Get Kids Moving (Family Features) Physical activity is essential for a healthy lifestyle. And now, more than ever, it’s important to get kids engaged in physical activity for their long-term health. Decreased opportunities for exercise and increased consumption of calories are just part of the problem. Recent studies have shown that 8- to 18-year-olds average 7 1/2 hours a day using entertainment media such as TV, computers, cell phones and video games. All of that has added up to 17 percent of all children in this country being obese. That obesity rate, according to the Centers for Disease Control (CDC), has tripled since just one generation ago. Obese children and adolescents are at what the CDC calls an “alarmingly high risk” for elevated blood pressure, cholesterol, diabetes and for becoming obese adults. Fortunately, there are things parents and caregivers can do to help reduce the risk of obesity for the children they love. One of the most important is to get them moving. Most kids won’t do something if it’s not enjoyable, so here are five fun ways to get your kids moving and on their way to a healthier life. »»Family Go Time: Doing things together sets a good example for the kids and creates some healthy family bonding. Put “Go Time” on the family calendar and let everyone come up with fun things do to such as: bike riding, a neighborhood hike, family tag, jumping rope, dancing, or hoola-hoop sessions. »» Feet First: Instead of driving them everywhere, let them walk whenever possible – to school, to the library or to a friend’s house. When you 33

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do drive, park at the far end of the parking lot, furthest from your destination. Encourage them to take the stairs instead of the elevator. Give them an inexpensive pedometer to help them track their steps each day. » Move for a Cause: There are many local charity events that involve physical activity. Walks, runs, bike rides and even jumping rope for charity are fun ways that kids can help others while helping themselves. Make sure they have plenty of time to train before the event and have the proper equipment they need. » Cool Competition: Whether it’s soccer, volleyball, martial arts, dance or swimming, working with and competing against others develops good social skills along with physical ones. Don’t have a league or a team in your area? You can always start one. » Go Natural: Kids don’t need expensive equipment or a formal playing field to get moving. Let them run around the back yard and create their own fun. Encourage them to climb trees, use playground equipment or just play kick the can. Take advantage of the natural beauty of your area to go hiking, biking or rock climbing. To help kids get more active and enjoy physical fitness, Sports Authority, Inc. has launched a national contest that taps kids’ natural energy and creativity. The Sports Authority Move It Challenge is a national invention competition designed to uncover exciting new youth-created sporting and backyard games. A grand prize of $10,000 will be awarded to the winner, with four finalists each receiving $1,000.

The contest runs through January 3, 2011 and is free to enter. To learn more, get inspiration and helpful tips at www.moveitchallenge.com.

can visit with and entertain seniors at a local senior housing community or prepare disaster relief kits for families in need as part of a lesson on natural disasters. Or to learn about construction and the plant life cycle, students can make wood planter boxes and plant seeds - placing them around the grounds In recent years, volunteerism has to beautify the school. become vital to the health of our nation's communities as nonprofit organiza- Family Values In addition to promoting volunteertions struggle with limited budgets and resources. According to the Corporation ism within the classroom, there are many for National and Community Service, ways that parents and caring adults can more than a third of nonprofit organi- encourage public service at home. For zations reported a significant increase example, parents can plan a neighborin the number of volunteers they use hood clean up to make bettering the community fun for the entire family. throughout the year. By teaching our children the impor- Activities like these provide parents tance of volunteerism and instilling with the chance to show their children values that promote community service, the importance of volunteering and the teachers, parents and caring adults have impact it can have. And studies show that the power to inspire the next generation children who volunteer are much more of America's leaders to be active members likely to continue as adults and carry on the tradition with their own children. of society and give to those in need. Identifying volunteer opportuniHere are a few innovative ways to promote community service and volun- ties that inspire the whole family starts teerism among children in the classroom, with picking an issue of interest. Web services, like VolunteerMatch.org, offer at home and in the community. resources to help families fi nd volunteer Service Learning opportunities that are both meaningful Service learning offers a unique and fulfi lling. VolunteerMatch.org offers opportunity for our nation's youth - from thousands of volunteer opportunities that kindergartners to college students - to connect people with causes 365 days a get involved with their communities in year, and any nonprofit organization can a tangible way by integrating service join its network. projects with classroom learning. Service learning engages students in the educa- Community Service Local companies also can reinforce tional process, using what they learn in the classroom to solve real-life problems. and model the importance of public Through service learning, students build service among children. For example, character and become active participants team members at Target have volunas they work with others in their school teered millions of hours to community and community. For example, students projects which effect children, from reading to young people to helping make over school libraries across the country. They also provide specialized business knowledge to community and nonprofit partners through a variety of unique skills-based volunteering opportunities in areas including marketing, forensics and design and construction. To learn more about Target's commitment to education, volunteerism and local communities, visit Target.com/community. Or to find volunteer opportunities in your area, visit www.volunteermatch.org.

Inspire Kids to Volunteer

SOURCE: Target c/o Family Features

Volume 5 • No. 1 | North Sound Living

CroSSWorD pUZZle

across 1. eXcLaMatioN of derisioN 4. aQUatic soUtH a MericaN rodeNt 9. NortHerN atLaNtic fisH (pL .) 13. "H e's Not 'fer' tHat." 15. "eNcore!" 16. cUt, MayBe 17. caLL at first Base 18. H aNdraiL sUpport 19. L ady of L isBoN 20. " _ _ _ . K eep oUt." (2 wds) 23. two (spaNisH) 24. aged 25. L iNe of persoNs forMiNg a Barrier 28. yorKsHire riVer 30. a sterN 33. L eNgtH X widtH, for a rectaNgLe 34. BaffLed (2 wds) 35. _ _ _ JUice (MiLK) 36. a MBassador witH fULL aUtHority 40. p istoL (sLaNg) 41. rULed, LiKe coMpositioN paper 42. p LeasaNt 43. _ _ _ aNd oUts 44. Bad LooK 45. traNsgressed 47. tweLftH Mo. 48. tHe "a" of aBM 49. orderLy tHiNKiNg 57. sword HaNdLe 58. NiMBLe 59. f.B.i. operatiVe 60. eUropeaN LaNgUage 61. eQUestriaN 62. part of tHe HiNdU triNity 63. graZe 64. aUtocrats 65. two -year- oLd sHeep North Sound Living | Volume 5 â€˘ No. 1

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dowN 1. door fasteNer secUred witH a padLocK 2. BioLogy LaB sUppLy for cULtUres 3. Lp pLayer 4. p roVide HoUsiNg for MiLitary 5. a N s- sHaped cUrVe (pL .) 6. M aKe a raUcoUs Noise 7. docK 8. " _ _ _ yoUr tie." 9. gaVe Up 10. a roMa 11. effort 12. "doN't go!" 14. r esideNt of L as Vegas, e.g. 21. "MUcH _ _ _ a BoUt NotHiNg" 22. a foLd iN cLotH 25. Bay of NapLes isLe 26. acryLic fiBer 27. M arsH growtH 28. aQUatic MaMMaL 29. secoNdHaNd 30. at fULL speed 31. coMpeL tHroUgH pressUre 32. trifLed (witH) 34. eXceLLeNt 37. More sicK 38. circULar grapH 39. teaM's tUrN at Bat (pL .) 45. Bad LooKs 46. iNterNatioNaL trade dept. (acroNyM) 47. oUtModed 48. f reUd coNteMporary 49. cHief cooK 50. eUros repLaced tHeM iN itaLy 51. "... or _ _ _ !" 52. aUspices 53. "o patria Mia" siNger 54. giVe off, as LigHt 55. r escUe froM daNger 56. to catcH, e.g. a fisH

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eDUCAtion Wireless Wisdom for Kids and Parents Today's tech-savvy kids have a world of digital and social media available at their fi ngertips. They can call, text, e-mail, surf the web, watch TV and movies, play music and games, take and share pictures and video - all from their mobile devices. While there are infi nite benefits of wireless products and services for kids such as Learning, and Health, civic engagement and others, parents around the country are trying to balance the good with the need to prevent their children from using the technology in an irresponsible or inappropriate manner.

» 54 percent of text-using teens have received spam or other unwanted texts, and 26 percent have been bullied or harassed through text messages and phone calls. » One in three texting teens ages 16-17 say they have texted while driving.

The question that many parents or guardians wonder is, "How do I make sure my children are using their devices responsibly?" Together with kids, expert educators, parents and The Wireless Foundation, CTIA-The Wireless Association and its members have developed the "Be Smart. Be Fair. Be Safe: Responsible Wireless Use" campaign, primarily focused around its web site (www.besmartwireless.com). To help parents or guardians talk with their kids about their mobile device usage, they are offering some According to the Pew Internet and simple tips. American Life Project: » 15 percent of 12-17 year olds who » Know your child's service plan such own mobile devices say they have as voice, text messaging, e-mail and received sexually suggestive nude or Internet access. Be familiar with nearly nude images of someone they your child's phone's features, as well, know via text messaging on their such as the ability to take and send cell phone. pictures or videos or download music 36

or apps. This includes knowing what parental tools your wireless carrier may offer. » Discuss your family's rules on using mobile devices. This may include certain times and ways of use and consequences if these rules are broken. Make sure to write down these rules and penalties and post them in a central location at home. » Periodically, revisit these rules as your children grow older and wireless technology evolves. While some children may view this as prying, it is very important that kids know how their parents or guardians expect them to behave and utilize wireless products and services. In addition, children must feel comfortable talking to their parents, guardians, educators or other trusted adults about all of their wireless use - including when they receive questionable content or contact on their devices. CTIA and the wireless industry believe parents and other caring adults are the keys to kids' responsible wireless use. "Be Smart" is a national education campaign focused on equipping parents and caregivers so they can teach kids to Volume 5 • No. 1 | North Sound Living

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Workers: What’s your plan for increasing worth, joy, income for years to come?

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Managers: What would happen if all your employees steadily increased their value? use their wireless devices responsibly. The web site www.besmartwireless.com provides easy-to-understand information, including a listing of wireless providers and the parental features and filters they offer; a glossary of key terms; tips, example of family rules; two free 6th-12th grade educational lessons plans and more.

ful resources for those needing help with physics, chemistry, algebra, statistics, calculus, Spanish, grammar, and more. Not only can these guides help students new to certain subjects, they can also be used by parents who need to review these concepts so they can help their high school students study. SOURCE: CTIA - The Wireless Association c/o Online Articles. In the Education Family Features section of the For Dummies web site, you can find articles and videos that help explain everything from history topics (Family Features) When it comes to study- and foreign language phrases to philosoing, a lot of students could use a little extra phy, psychology and art. A sampling of help in mastering a subject. Whether articles includes: taking on new study material, cramming for an exam or refreshing basic concepts, »»Thinking Logically: Deduction and here are some study tools from the smart Induction people at “For Dummies” that can help »»Understanding Algebraic Variables students succeed. »»Understanding Point of View in Study Guides. A new series of nine Literature books from expert authors can help »»Constructing Simple Sentences in students focus on the skills they need for French some tricky classes. The “Essentials For »»Exploring the Ancient Pyramids Dummies” series (Wiley) are concise, Mobile Tools. Take your study tools easy-to-understand review guides that with you with iPhone and iPod Touch cover entire courses by concentrating apps. Practice for SATs or GREs, brush on the most important concepts. With up on basic Spanish, German or French, clear explanations, these books are help- and get help studying for the ASVAB test.

Smart Study Tools

North Sound Living | Volume 5 • No. 1

For example, the SAT Vocabulary Practice For Dummies App focuses exclusively on the vocabulary you need to know to get a good verbal score on the SAT exam. You’ll quickly increase your vocabulary with flashcards, practice tests, word lookup, and fun ways to incorporate new vocabulary into your daily routine. Learn more at www.dummies.com.

How to Make College More Affordable

There’s money out there if you know where to look

(Family Features) Millions of families each year face the question of how to pay for college. And it’s not one that’s easily answered without the help of some kind of financial aid. A survey by The Princeton Review found that 86 percent of college applicants and parents of applicants said that financial aid would be “very necessary.” In 2009-10, there was over $199 billion of financial aid distributed to undergraduate and graduate students in the form (continued on page 39) 37

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Less stress: Richer quality of life

‘Vibrant, funny, get-it-done, adventuresome, thoughtful, visionary’ are all qualities of people who manage stress well. Besides having a high quality of life, they also are actively sought after (and well paid), because they are more productive than those whose coping mechanisms are actually forms of self-sabotage (busy-work, denial, lack of structure). Increase your self-awareness having you and a friend rate your coping strategies. Rate each.

1 = Not often to 5 = Daily (Add 2 points for *)

Manage Problems EMOTION-BASED COPING

(Takes edge off stress; motivates.)

__Goal Setting (Real, Dated) __Vision (Visualization) __Talking with friend __Relaxation __Humor __Positive self-talk (Optimism) ACTION-ORIENTED COPING

(Gets to cause of stress; reaches goals.)

__Plan* (Finish what’s started) __Copy Success of others* __Volunteer or 2nd Job* (Get more experience) __Learn new skills* (Study) __Focus* (Now: dedication) __Self-Control* (Long-term: Persistence) __Confront* (Direct, Open) __Get people to help* (Collaborate) Source: ILiveRichly.com

In a job interview, the first question asked was, “Tell me the difference between a Leader and a Manager.” Employers want to know how you manage difficulties and reduce stress.

LEADERS

are strategic, ‘big-picture’ thinkers; they’re visionaries who see the end goal & drive to overcome obstacles. They are charismatic, optimistic people; others enjoy them. They motivate using emotion-based coping.

MANAGERS are tactical ‘do-ers’. They know how plan, collaborate, and learn new things to streamline and focus work. They are persistent, direct, and organized; they’re go-to people when it needs doing. They manage difficulties with action-oriented coping.

Life’s challenges should be addressed at root cause using effective, actionoriented coping skills. Emotion-based coping skills bring balance, healing, joy. Use both daily to reduce stress and envision goodness.

Self-Sabotage EMOTION-BASED COPING __Denial (Won’t happen to me) __Distraction (Too much gaming) __Overeating, Frequent Alcohol __Wishful or fantasy thinking __Anger (Name calling, profanity) Destructive: __Escape* (Using alcohol, drugs, ) __Social Isolation* (Too shy, Embarrassed to be with others) __Self-directed anger* (Selfput down, feeling not -worthy) __Negative thoughts* (Sarcasm, porn, bigotry, put-down) ACTION-ORIENTED COPING __Overworking (Poorly organized) __Busy-work (Doesn't prioritize well, working on non-important) __Late (Poor time management) Destructive: __Obsessive work* (Isolated)

Source: Jaye Lill teaches Project Management at MostValuableMe.com.

Volume 5 • No. 1 | North Sound Living

NSL 2011 of grants, federal loans, work-study, and tax credits and deductions, according to “Trends in Student Aid 2010,” by The College Board. The same report said that full-time undergraduate students received an average of $11,461 in financial aid. So the good news is that there is money for college out there – if you know where to look. Here are some resources to help you find ways to make college more affordable. Take a look at affiliations and memberships – Past and present employers, unions, military service, memberships, activities and hobbies can all be sources for college funds. A parent or grandparent’s membership in an organization may get a student the aid they need. A good example of this is Foresters Competitive Scholarships. Eligible Foresters members and their families can apply for scholarships for community service as well as good grades. “We take great pride in investing in our members, their families and the communities where they live,” said Kasia Czarski, Chief Membership and Marketing Officer at Foresters, a life insurance provider committed to the well-being of families. “Every year Foresters awards 350 Competitive Scholarships as part of its member benefits because a solid education only makes for a brighter future.” For more information on Foresters Competitive Scholarship program, visit www.foresters.com/scholarships. Lower the cost to attend – Try the community college route. Start at a less expensive school and then transfer to a four-year institution. It’s far less expensive and can cut time and money off the cost of a four-year program. You can also plan early by taking advanced placement classes while in high school. Take summer classes and an extra class per semester to get a leg up on college credit requirements. Be a savvy scholarship searcher – Take advantage of the internet to search out the scholarship – or scholarships – right for you. Here are some resources to get you started: Good, general starting places include www.scholarships.com, www.fastweb. com, and www.collegeboard.org. Latino students can search for scholarships at www.maldef.org or North Sound Living | Volume 5 • No. 1

www.haceonline.org. For other minority scholarships, visit www.finaid.org. For out-of-the-box scholarships – such as those for vegetarians, getting creative with duct tape, and even being lefthanded - visit www.scholarships.com, and www.fastweb.com. A word of caution as you’re searching for scholarships – be alert to scams. If you have to pay in order to compete for a scholarship, it may be a scam. Learn more about scholarship scams at www.ftc.gov. Look at service and professional groups – Many service organizations such as the Scouts, VISTA and Teach for America offer scholarships. Corporate foundations are an excellent source of financial aid and often require a number of years of service to that organization in return. If you know what you want to study, look into professional associations affiliated with that career. Many, including associations for political science, nursing and physical therapy, offer scholarships to help attract students to their fields. Start exploring financial options early and do your homework, because with some time, patience and perseverance, it is possible to make college more affordable.

Battery Basics

What homeowners need to know about rechargeable batteries (Family Features) If you have a cell phone, laptop or cordless power tool, chances are, your products are being powered by a lithium-ion battery power. With the growing demand for more efficient technologies, convenience and cost effectiveness, consumers should know some background behind what is powering the products that simplify their lives. These tips will help you make a smart purchase and give your batteries a longer life.

Battery Types

With proven power since the 1970s, lithium ion batteries began as a reliable power source for professional industries – now they’re a household mainstay. In fact, today lithium-ion (Li-ion) are among the most common types of rechargeable

vol 5 #1

batteries consumers use, lending power to portable electronics such as cell phones, laptops and cordless tools. Lithium-ion is fast-becoming a popular form of portable power because: »»They’re generally much lighter than other types of rechargeable batteries of the same size and power. »»Once charged, it holds the charge longer before running down. »»Although lithium is more expensive than other battery ingredients, its increased use has resulted in increased production, thereby dropping the costs to consumers. “Lithium-ion power is revolutionizing consumer technology,” says Keith McQuaid, consumer power tool product development manager for Black & Decker. “And we are utilizing this power to develop new products such as the compact and lightweight 12V MAX Lithium Drill/Driver. Lithium offers consumers lighter-weight tools with longer lasting battery power, year after year – ultimately saving users time and money, simplifying household projects.”

Stay Powered Longer

Specifically, with power tools, there are some best practices to keep in mind while using your lithium-ion power products: • Avoid running the battery down to zero power. The battery should also be partially charged during storage and returned to the charger after use. • Store batteries in cool temperatures (between 40-70 degrees). Avoid hot conditions like attics, cars, sheds and direct sunlight for extended periods of time. • This technology provides extra power, so now you can complete household drilling and screwing tasks like hanging photos, installing closet organizers and assembling furniture with ease.

Recycle

The Rechargeable Battery Recycling Corporation’s (RBRC) Call2Recycle program makes it easy to recycle your rechargeable batteries. Just return them to participating national retailers. For the closest location, or for information on how you can serve as a collection point, visit www.rbrc.org, or call 1-800-8-Battery. For more information, visit www.blackanddecker.com. 39

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ACtiVitieS & entertAinment Boredom is never an option if you live in Skagit or Whatcom County. Whether it’s wagering on the roll of the dice, or retracing the colorful path of the founders who carved this area from the wilderness, the opportunities for entertainment in Skagit and Whatcom counties can satisfy any need for diversion.

takeout dish in the comfort of your own kitchen. Rather than reaching for the phone, roll up your sleeves and prepare an easy beef dish with exotic spices and a fun dipping sauce. Chinese Beef Pot Stickers blend the classic fl avors of ginger and soy sauce with savory, affordable lean ground beef – and with an umami-rich dipping sauce, your family and friends will be gaMBLiNg craving seconds. Skagit Valley Casino Resort Find new ways to enjoy a great night 5984 N. Darrk Lane • Bow in with more beef recipes and additional 360-724-7777, 877-275-2448 Operated by the Upper Skagit Tribe dipping sauce recipes at on land adjacent to I-5 at Bow, halfway www.BeefItsWhatsForDinner.com. between Everett and Bellingham, The Skagit is one of the region’s newest desti- Chinese Beef Pot Stickers with nation resorts. All the fun and excitement Maple-Wasabi Dipping Sauce of a 28 million dollar Las Vegas-style Makes 40 | Total Recipe Time: 1½ to 1¾ hours casino in a friendly atmosphere, with 1 pound ground beef (95% lean) concerts and events, more than 650 slot 1 tablespoon sesame oil machines, table games and a generous 1-1/3 cups fi nely chopped player reward program. button mushrooms 1 tablespoon minced garlic ¼ cup chopped green onions 1 tablespoon minced fresh ginger ½ teaspoon pepper (Family Features) This weekend, elevate ¼ cup reduced-sodium soy sauce dinner at home by recreating a tasty 40 wonton wrappers (3¼ to 3½-inch

A Great Takeout Meal at Home

squares or 3 ½-inch rounds) 2 cups water, divided Maple-Wasabi Sauce Dipping Sauce (recipe follows) 1. Prepare dipping sauce; set aside. 2. Heat oil in 12-inch nonstick skillet over medium heat until hot. Add mushrooms and garlic; cook and stir 3 to 5 minutes or until tender and liquid has evaporated. Remove from heat. Transfer to large bowl; stir in green onions, ginger and pepper. Cool to room temperature. Add ground beef and soy sauce; mix lightly but thoroughly. 3. Spoon 1 level tablespoon beef mixture in center of 1 wonton wrapper. (Keep remaining wonton wrappers covered with clean, damp kitchen towel to prevent drying out.) Moisten edges of wonton wrapper with fi ngertip dipped in water. Fold wrapper diagonally in half, sealing edges and pressing out air. Place on baking sheet lined with parchment or waxed paper. Repeat with remaining wonton wrappers and fi lling to form 40 pot stickers. Volume 5 • No. 1 | North Sound Living

NSL 2011

Washington State Parks and Recreation Commission

Folk & Traditional Arts Summer Concert Series American Roots Music Concert Series

Deception Pass State Park, Whidbey Island 7 p.m. Saturdays July 16 - Aug. 6

Peace Arch International Concert Series

Peace Arch State Park, Blaine 2 p.m. Sundays Aug. 14 - Sept. 4

All concerts are FREE (annual or day-use Discover Pass required)

www.parks.wa.gov/events

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SKAGIT COUNTY HISTORICAL MUSEUM PRESENTS:

“Native Journey” July 23 – Sept 4 Paint Me a River, Too! Art Meets History, Again

4. Wipe out same 12-inch nonstick skillet; spray liberally with nonstick cooking spray. Heat over medium heat until hot. Arrange 10 pot stickers in single layer in skillet; pan-fry 4 minutes, turning once. Carefully add 1/2 cup water. Cover; cook 2 to 3 minutes. Remove pot stickers; keep warm. Repeat with remaining pot stickers. (Wipe out skillet and spray with additional cooking spray between batches to prevent sticking.) North Sound Living | Volume 5 • No. 1

5. Serve pot stickers with dipping sauce. Maple-Wasabi Dipping Sauce: Combine 6 tablespoons maple syrup, 1/4 cup reduced-sodium soy sauce, 1 tablespoon wasabi paste and 2 teaspoons minced fresh ginger in small bowl. Makes about 2/3 cup. Courtesy of The Beef Checkoff BeefItsWhatsForDinner.com

Sept 23 – Dec 31 Tues–Sun 11–5 Adults $4, Seniors & Kids $3, Families $8 Skagit County Historical Museum

501 S 4th St, La Conner

360-466-3365

www.skagitcounty.net/museum 41

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DoG pArk ADVentUreS: tHe etiQUette eDition

(ARA) - Dogs are man's best friend, and dog parks are the ultimate playground. For those rough and tumble play sessions that aren't appropriate at home, dog parks are the perfect escape for our canine friends to run free, jump and play with other dogs.

Countless dog owners across the country have discovered the benefits of off-leash areas - not only do they provide your dog some much-needed exercise, but they also reinforce the bond between people and pets. Whether you're visiting a park for the first time or you're a regular, it's important all patrons help make the park a safe and fun place for everyone to visit. Consider these simple etiquette tips every time you head out with your four-legged pal to ensure the best possible experience.

pLaN a test rUN.

If you're visiting the local dog park for the first time, go to the park's web site or visit without your dog to check out rules, hours and permit or vaccination requirements. Consider visiting at an off-peak time so your dog can get acquainted with the area in a relaxed setting before jumping in with a large group of dogs.

picK Up. This is the golden rule of dog parks. If your dog answers nature's call, always have poop bags on hand in case they are not provided. Try to avoid eating, but if picnic tables are offered outside of the dog park gates, be sure to dispose of any garbage before you leave. Dogs are scavengers and will eat or chew on anything left behind.

pitcH iN.

From small changes to large renovations, there are many ways dog owners can get involved in their community to help maintain a beautiful oasis for their pets. On May 7, The Nutro Company is hosting its second annual Room to Run Dog Park Appreciation Project in 30 cities in the U.S. and Canada. Volunteers from local communities, alongside associates from The Nutro Company, will roll up their sleeves to refresh and rejuvenate local park spaces through various projects including painting fences, providing benches, picking up trash and landscaping. For more information about the Room to Run Project and for ideas about how you can make a difference in your community, find The Nutro Company on Facebook at www. Facebook.com/NutroProducts.

Be aware.

Know where your dog is at all times. It's easy for owners to lose track of their pets as they run around, but that doesn't mean your dog has to be by your side either. You should be able to see your pet at all times. This allows you to monitor your dog's interaction with other pets and discourage them from rushing new dogs or urinating on any seating areas or water stations.

MaKe frieNds.

Your dog wants to get to know other dogs; follow their example and strike up a conversation with a fellow pet owner. Not only might you find a new friend, but getting to know fellow pet owners helps build a stronger community and promotes even better experiences at the dog park.

Volume 5 â€˘ No. 1 | North Sound Living

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nine tipS For SAFe AnD SmArt SUmmer trAVel ARA) - Even with rising gas prices, the travel industry is gearing up for a big year. After several years of staycations vacationing at home or close to home - as a result of the slow economy, Americans seem more ready and willing to travel.

you are traveling, otherwise, you might find your car impounded in the event that you’re stopped for a traffic violation. The last thing you want to have to do is find a lawyer to handle an emergency legal matter while you’re on vacation.

Whether you intend to take the quintessential great American road trip, that once-in-a-lifetime journey to Europe, a mission trip to Latin America or Africa, or a fly-in fishing vacation to Canada, it’s important to plan ahead. Planning what to do and what to wear is essential, of course, but what many travelers don’t realize is that traveling today is often complicated by numerous rules, regulations and laws, according to Findlaw.com, the Internet’s top source for legal information.

eMergeNcy

One such example is the recently enacted requirement of a passport - even for U.S. citizens - to enter the United States. Enacted in the name of homeland security, it’s a change in the law that has profoundly altered traveling over the U.S.-Canada border. For decades, you only needed a current driver’s license to cross the border - no more. To make sure your next big trip goes smoothly, take some extra time to review these tips from FindLaw.com to avoid being scammed and to increase your safety and security while traveling.

cHecK tHe Law. Before you cross the border into Canada, Mexico or another country, check the laws about entering another country. For example, if you intend to travel into Canada, you may not be allowed to enter if you’re asked and you admit to a charge of driving under the influence. And even though you’re an American, you now must present a passport to re-enter the United States. If you’re roadtripping across state lines, make sure you have proof of auto insurance and auto registration in your glovebox and make sure your driver’s license is current. You may also want to clear up any old speeding or parking tickets that you may have in the state to which North Sound Living | Volume 5 • No. 1

coNtact iNforMatioN.

Create a list of emergency contacts, such as relatives, next door neighbors, doctors, dentists, pharmacy, etc., that emergency personnel can contact if you’re involved in an accident and are unable to respond on your own. Always leave a travel itinerary with your emergency contacts at home in the event that they need to contact you while you’re traveling.

VitaL docUMeNts. Make photocopies of key documents (passport) and cards (driver’s license, credit cards, health insurance card) should your wallet or purse become lost or stolen. Keep photocopies in a secure place where you can access them in case of an emergency. dress tHe part. It’s always important to dress comfortably when you travel, but it’s also important to dress appropriately. To go through airport security more quickly, wear slip-on shoes, remove all metal objects from clothes, avoid wearing jackets, and keep cell phones, pagers and other personal electronics in a bag or briefcase. Study the culture where you are going and dress as the locals to avoid sticking out and calling attention to pickpockets and street vendors. When traveling to some local countries, wearing some types of jewelry, especially jewelry that expresses a religious faith, can cause you to become a target. secUrity screeNiNg. If you are uncomfortable with the full-body scanning process that has recently been implemented in airports across the United States, you have the right to request an alternative screening - typically an “enhanced pat down”by a Transportation Security Administration screener. If you’d like to record your experience through a security checkpoint, generally, the First

Amendment allows you the right to do so. If you believe you’ve been treated unjustly and find it necessary to file a complaint against a TSA screener, the TSA has a Web form available to the public, along with organizations such as EPIC and ACLU, which collect body scanner incident reports. aVoid traVeL scaMs. As you’re making your travel plans, be leery of bargains that seem too good to be true - because 99 percent of the time, they are. It’s important to research a company’s background. How long has it been in business? Is the travel company affiliated with professional organizations such as the American Society of Travel Agents? Have other consumers filed complaints about the company with the Better Business Bureau or your state’s Attorney’s General office? Pay with a credit card so you can dispute the charges if the company does end up being fraudulent.

aVoid

tHese

coMMoN

scaMs.

Whether you travel near or far, there are crooks whose goal is to part you from your money and belongings. The most common is the cab driver who takes the “scenic route.” Before you hop in the cab, know what route you want to take to your destination. Tell the driver and negotiate the price of the ride. Check with your hotel concierge about what a trip to a certain location typically will cost. Always avoid panhandlers and mobs of children - more often than not they’re well-trained in the art of pickpocketing.

ceLL pHoNes: Many Americans would feel naked if they didn’t have their cell phones with them while traveling. If you plan to travel overseas or take a cruise outside the United States, check with your cell phone provider to see if your phone is capable of international calls. Instead of carrying their expensive cell phones, some travelers opt to rent cell phones overseas. And with the growing use of voice-over-Internet services like Skype, some travelers are checking in with family through computers that are readily available in hotels and cafes. 43

Many items Each of the name the ite

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Name That Item Many items can be found in and around a swimming pool. Each of the following is one such item. Fill in the blanks to name the item.

SWIM CHAMP

COLORING PICTURE

4) 5) 6) 7)

T __ W __ L S

T __ Y S

__ U N S __ R E E __ G O __ __ L E S

B E A __ H B A __ __

COLORING PICTURE

Joke s and Riddles

Q: What stroke does

6) 7)

__ U N

GO_ BEA

Joke

Q: What toast

Q: What do sw

1) You should s Fact or Fict

2) You should s Fact or Fict

A: Pool-ups.

3) You should s Fact or Fict

WHAT RHYMES

WITH

Swim Safety Challenge

Swimming can be great fun, as long as you play itList safe. Here are some questions 10 words that rhyme with “float.” about swim safety. How many can you 1.answer correctly? 2. 3. you want. 4.1) You should swim wherever 5.

7.You should swim whenever 8. 2) you want. Fact or Fiction?

Fact or Fiction?

10.

3) You should swim with others when possible. Fact or Fiction?

Some answers: boat, coat, dote, goat, moat, note, oat, quote, tote, wrote

WHAT RHYMES WITH

T __ Y

Swimming ca you play it sa about swim s answer corre

kind of exercises Q: What do swimmers do?

T __ W

Swim

toast like to do?

Fact or Fiction?

R __ _

Fact or Fi

A: The butter-fly!

Have you ever seen an old Tarzan film? If so, then you might have heard of the name Johnny Weissmuller. The actor played the role of Tarzan in 12 films and was known for his Tarzan yell. Before that, Weissmuller was one of the best swimmers in the world. Weissmuller was born on June 2, 1904, in Austria-Hungary, and moved to America as a young boy. When he was nine, Weissmuller got polio and took up swimming to recover from it. He became a great swimmer, and in 1921, he won the U.S. National Championship title in two events. Weissmuller competed in the Paris Games in 1924 and the Amsterdam Games in 1928 and won five gold medals and a bronze medal in water polo. He won 52 U.S. National Championship titles and set 67 world records in all before retiring from the sport to focus on other things.

R __ __ T S

Answers: 1) Sunglasses, 2) Rafts, 3) Towels, 4) Toys, 5) Sunscreen, 6) Goggles, 7) Beach Ball

SWIM CHAMP

S __ N G L A __ __ E S

S __ N

4) You should read the rules posted and follow them when you think it’s necessary. Volume 5 • No. 1 | North Sound Living Fact or Fiction? 5) It doesn’t matter whether you can swim as long as you wear some kind of flotation device. Fact or Fiction? 6) Your personal floatation device should be approved by the U.S. Coast Guard. Fact or Fiction?

4) You should r them when y Fact or Fict

5) It doesn’t ma as you wear Fact or Fict

6) Your persona approved by Fact or Fict

7) You don’t ne before you g

8) You don’t ne water. Fact or Fict

9) You should g

10) You should Fact or Fict ing, 2) Fiction, you , you should follow uld learn how to k out the water ut the depth of the , you should go ct

, 3) Towels, s, 7) Beach Ball

NSL 2011

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