Crazy ’bout a Sharp Dressed Man?
Fashion Tips for Our Favorite Guys
It’s undeniable—there is just something attractive about a man who cares for himself enough to dress well. Many men, however, keep wearing the same things year in and year out because they don’t love shopping or they lack the inclination to pay attention to style trends. It’s time for us to help them out!
Our world has become much more casual than it used to be, but guys can be comfortably casual and still look put-together and stylish without a lot of work or money spent. Sometimes it just takes a few items to beef up their wardrobe.
Fashion this spring and summer is offering a pastel resurgence. Pink, lavender, and mint green, along with sky blue, are beautiful choices for button-down shirts this year. Both dress shirts and casual shirts will come in lots of stripes. Bold stripes are suitable for casual wear and look great on polo, camp, and rugby shirts. Stripes can also be a good choice for dress shirts. They are classic and always in style. Shirts should be body skimming for the most flattering fit. That means not too tight and not too baggy.
If your guy just isn’t the pastel or stripe type, go for a neutral palette. Earth tones, beige, and gray, along with black and white, create a sleek and refined look. These tones can be paired with almost anything in his closet and make choosing an outfit an easy task. Most men feel comfortable in this neutral, understated look. One thing that I have always noticed is a guy whose shirt matches his eyes. This is flattering on men of all ages.
A popular trend for the last few years has been to wear shirts untucked. If the shirt is worn that way, make sure that it’s somewhat fitted and not oversized. The most recent trend is to wear button-down or Oxford shirts tucked in, whereas the more casual vintage-inspired t-shirts, polos, or rugby shirts can be left untucked. If a shirt is worn tucked in, a belt must be worn if the pants have belt loops.
In terms of dress clothes, there is a movement away from rigidity. Suits and jackets, along with dress pants, are still tailored but in a looser, more casual way. Linen is an especially good choice for warm weather since it breathes and lets the fresh air in. Many linen fabrics are blended with polyester to keep them more wrinkle-free, but linen is actually supposed to be somewhat wrinkled. Just embrace it!
Knitwear is also on trend this year. Light, summer-weight sweaters, cardigans, and V-necks are fashionable and comfortable choices for the well-dressed man. Casual wear is more elevated but still has a comfy vibe. The ever-popular utility pant with side pockets is still in fashion, but it is cut slimmer, with a more refined and tailored look. Elastic or drawstring waistbands are great for comfort and work with a shirt tucked in or out.
Jeans are always an option, with summer fabrics being lighter. The lighter the wash, the more casual the pants. On many occasions, the darkest wash of jeans can even double for a dress pant.
The vest is a trendy piece that guys should embrace. I love the summer knit sweater vest. It can be worn so many different ways! It looks cool all by itself or when worn over a white t-shirt. For a dressier occasion, layer a button-down shirt underneath. If there is one thing he needs to add to his wardrobe this year, it’s the sweater vest. Fabric vests are on the fashion forefront, as well. They look great buttoned up under a suit jacket for an elevated occasion. There’s no need to match the jacket; it just needs to blend.
Shoes are always a conundrum for guys, but let’s keep it easy this year with low top sneakers. White or beige is always a good choice. Most styles are quite simple in design; the tall-soled wild colorations are mostly a thing of the past. With low top sneakers, it’s best to wear no-show socks. You want a bit of ankle showing!
Sneakers aren’t the only shoes for summer; loafers are ubiquitous for warm weather. Fabric, suede, or leather are all good choices. They can be worn in dressy or casual situations and pair well with both shorts and pants.
Whether your favorite guy is your significant other, your son, your dad, or your best friend, he will appreciate your thoughtfulness in choosing a flattering, comfortable, stylish piece to add to his wardrobe.
Editor’s Note: Holly has been in the fashion industry for over 30 years as a buyer, boutique store owner, visual merchandiser, and fashion show producer. She is currently the owner of a modeling agency. Holly regularly appears on local TV doing fashion segments.
Fashion Worthy
By Holly Bell
Weekend Gourmet
Dads, Grads, Backyard Parties—Let’s Eat!
Elegant Brunch French Toast
Arrange 8 slices of thick-cut French bread into a baking pan or cookie sheet with sides. In a large bowl, beat 2 eggs with 1/2 cup of sugar until thick. Stir in 1 cup of milk, 1 teaspoon of vanilla, and 1 teaspoon of grated lemon peel. Pour the egg mixture over the bread and let soak for 30 minutes. In a large skillet or griddle, melt 4 Tablespoons of butter and begin frying the bread slices until golden and toasty on both sides. Serve with powdered sugar, nutmeg, warm syrups, or fruit compotes.
Cream Cheese Curry Spread
Mix together two packages of softened cream cheese (one 8-ounce package and one 3-ounce package). Blend in 2 teaspoons of sour cream, 1 teaspoon of curry powder, 1/2 cup of crispy bacon bits, 1/2 cup of chopped peanuts, 1/2 cup of chopped green onion, and 1/2 cup of raisins. Mix well, form into a ball, and place in the center of a serving dish. Top with peach, mango, or apricot chutney. Serve with chopped veggies and crackers.
Cracker Candy
Line a jelly roll pan (cookie sheet with sides) with foil. Fill the space with saltines (or matzo crackers). Combine 2 sticks of butter with 1 cup of light brown sugar. Bring to a boil, stirring constantly, and boil for 3 minutes, still stirring. Pour the mixture over the crackers. Bake in a 400-degree oven for 5 minutes. Remove the pan from the oven. Pour 2 cups of chocolate chips over the top and sprinkle with 1 cup of chopped pecans (optional). Chill in the refrigerator. When cooled, break the candy into pieces. Store in an airtight container in the refrigerator.
Slow Cooker Ribs with Apricot Sauce
Blend 1/2 cup of apricot preserves with 1 Tablespoon of ketchup, 2 Tablespoons of apple cider vinegar, 2 Tablespoons of soy sauce, 3 Tablespoons of brown sugar, 1/2 teaspoon of chili powder, 1/2 teaspoon of cumin, 1/4 teaspoon of cinnamon, and 1/3 teaspoon of garlic powder.
Remove the silver skin from a slab of ribs. Pan-sear or grill for 3–4 minutes. Place the ribs in a slow cooker with salt, pepper, and 1 small cut-up onion. Pour the apricot mixture on top of the ribs. Cover and cook for 4–5 hours on high or 6–8 hours on low.
Sweet Berry and Spinach Salad
Rinse a bunch of fresh spinach (several times) in water and then dry. Roughly chop the spinach and add to a large bowl. Add other interesting, cleaned lettuces, if desired. Clean, hull, cut in half 2 pints of fresh strawberries (or a blend of any berries…maybe a slivered apple). Add to the spinach-lettuce mixture, along with other dice-cut veggies or nuts as you desire.
Mix 1/2 cup of oil, 1/4 cup of apple cider vinegar, 1/3 cup of sugar, 2 Tablespoons of sesame seeds, 1 Tablespoon of poppy seeds, 1 and 1/2 teaspoons of minced onion, 1/4 teaspoon of Worcestershire sauce, and 1/4 teaspoon of paprika. Blend thoroughly in a food processor or by shaking in a Mason jar. Toss the salad with the dressing right before serving.
Dad’s Brats and Beer
Grill 2 pounds of brats until lightly charred. Place them in a slow cooker. Pour a can of beer (your choice) or chicken broth over the brats. Add 1 sliced onion. Cook on low for 2–3 hours. Serve with good mustards and toasted buns.
Baked Brie Bread
Roughly slice 4 garlic cloves. Place in 2 Tablespoons of olive oil and microwave for 30 seconds. Mash or dice the garlic, stir into a paste with the oil, and set aside (you’ve just made an intensely flavored oil). Cut a large round of sourdough or peasant bread in half (horizontally) and scoop out much of the middle. Brush with 4 Tablespoons of melted butter and the olive oil mixture. Add additional spices to the loaf, like 1/2 teaspoon each of tarragon, rosemary, oregano, salt and pepper, or Italian seasoning.
Unwrap a round of brie (cut off the white rind) and place it into the scooped-out middle of the bread. Replace the top of the loaf. Rub the outside with butter or more flavored olive oil. Wrap the loaf in heavy aluminum foil. Put on a cookie sheet and bake at 350 degrees for 25–35 minutes, until the cheese is gooey.
Piña Coladas
In a blender, combine 1 can of cream of coconut, 30 ounces of pineapple juice, and 1–2 cups of light rum (your preference). Add 1–2 cups of ice and blend to crush. Serve immediately, garnished with pineapple slices and a maraschino cherry.
Palmer House Southwestern Potato Salad
Scrub 2 pounds of small baby red potatoes (or a combination of fingerlings) and place them in a saucepan. Cover the potatoes with water and bring to a boil. Reduce heat and simmer for 10 minutes, until fork tender. Drain and cool. Cut the potatoes into 1/4-inch cubes and put them in a large bowl. Sauté 1 can of drained canned corn (or 3 ears fresh, shucked) for a few minutes to get some color. Add the corn to the potatoes.
Add and gently mix in 1/2 cup of finely chopped celery, 1/2 cup of finely chopped red pepper, 1/2 cup of finely chopped red onion, 1/4 cup of chopped fresh cilantro (optional), 1 can of drained and rinsed black beans, and 1 small seeded and chopped jalapeño. In a small bowl, mix 2 teaspoons of chopped canned chipotle chilies in adobo sauce, 1/4 cup of fresh lime juice, and salt and pepper to taste. Pour on top of the potato salad and mix. Chill for at least 1 hour or up to 24 hours before serving.
Editor’s Note: Kate has been an Omaha area culinary instructor since 1997. She attended The Institute for the Culinary Arts at Metropolitan Community College in Omaha.
By Kate Beiting
Zodiac Forecast
Gemini (May 21 – June 20)
June brings a burst of energy to your sign. You have confidence, charisma, and a zest for adventure. This is the month to take on new projects, make over your image, and put yourself out there in the world. Pitch an idea to your boss or sign up for a special speaking engagement. Step into the spotlight!
Cancer (Jun. 21 – Jul. 22) You will exude confidence and charisma this month. Sparks will fly in your love life. Assert your talents at work and promising opportunities will come your way. An unexpected travel opportunity may arise—take advantage of it!
Leo (Jul. 23 – Aug. 22) You are a real lion this month. Be bold! Be courageous! You have a unique voice that needs to be heard. Use your creative leadership gifts to inspire and lift up others.
Virgo (Aug. 23 – Sep. 22) This month will be a time of social connection, community involvement, and humanitarian pursuits. You will be drawn to projects that are going to make a positive impact on the world.
Libra (Sep. 23 – Oct. 22) You will experience a strong urge to travel, study, or explore. Trust your intuition and follow your curiosity. You may be offered new responsibilities that align with your long-term goals. Your vision is solid, so don’t be afraid to take calculated risks.
Scorpio (Oct. 23 – Nov. 21) June is a time for deep introspection. Prepare to confront your shadows and fears; you will emerge with a new sense of purpose and power. Be open to new opportunities that are designed to broaden your perspective and enrich your understanding of yourself and the world.
Sagittarius (Nov. 22 – Dec. 21) This is a month of adventure, personal growth, and spiritual exploration. People will enter your life, expanding your horizons and helping you grow in ways you never thought possible. Be honest in your love relationships and use this month’s energy to deepen those commitments.
Capricorn (Dec. 22 – Jan. 19) This is a time of self-improvement and service to others. You will have opportunities for new beginnings, deeper connections, and better alignments with people who support your highest good. Seize the chance to learn a new skill.
Aquarius (Jan. 20 – Feb. 19) June brings a fresh start in matters of the heart, urging you to take a risk in love. It is also an ideal month to launch a new project or pitch an innovative idea at work.
Pisces (Feb. 20 – Mar. 21) This is a wonderful time to connect with loved ones. There will be opportunities at work for growth and success. Remember, you can still showcase your unique skills while collaborating. Take time to nurture yourself.
Aries (Mar. 22 – Apr. 19) You are out to create a sense of safety, security, and belonging in your personal life. Take the time to make deeper emotional connections with loved ones. It’s a great opportunity to explore your ancestral roots.
Taurus (Apr. 20 – May 20) June is a time to celebrate the way you bring an abundance of joy and love into your world. Innovation at work will be a theme, and you’ll find yourself collaborating and connecting with colleagues with similar drive and interests.
A Woman's Work
Nebraska Firsts
Homegrown Innovations and Inventions
Recently, I have felt a deep fascination with the history of Nebraska and the amazing impact that our state has had on our country. In this column, I have showcased famous women and some of the interesting foods that have been developed by the state, but the ingenuity of the state and its people does not stop there. Nebraska is the home to some major inventions and significant firsts.
William Petersen, a blacksmith in DeWitt, Nebraska, came up with the idea for locking pliers in the early 1920s. He was granted a patent for his invention, which he named Vise-Grip, in 1924. He originally sold the pliers from the trunk of his car but later formed a company and began manufacturing Vice-Grips in DeWitt in 1938. The company was acquired by IRWIN Tools in 1993.
The Steel and Foam Energy Reduction (SAFER) Barrier was developed from 1998 to 2002 at the Midwest Roadside Safety Facility at the University of Nebraska at Lincoln (UNL). Dr. Dean Sicking led a team of engineers to create the racetrack safety wall that lowers the danger to drivers in the event of a crash. The safety system is used today on IndyCar and NASCAR circuit tracks.
It was in the 1950s that Carl Swanson created the frozen dinners we know today. Several other groups tried the idea, but it was the Omaha-based Swanson company that developed the idea on a nationwide level. It’s widely assumed that the term “TV dinner” came from families eating the frozen meals in front of the television at dinner time. However, food historians say that the name came from the tray’s original shape, which resembled a 1950s television with a larger compartment (resembling the screen) on one side and two smaller compartments (resembling the speaker and controls) on the other.
For those of us who studied literature in college, the next invention was a real must. The distinctive yellow and black booklets known as CliffsNotes began their American life in Lincoln. In 1958, Cliff Hillegass was working at Nebraska Book Company when he met a Canadian man who published study guides. Cliff acquired the American rights to the product and began producing them under the name CliffsNotes.
The springtime celebration of trees known as Arbor Day was introduced in 1872 by J. Sterling Morton of Nebraska City. On April 10th of that year, approximately one million trees were planted in Nebraska. According to the Arbor Day Foundation, Arbor Day is most commonly observed on the last Friday in April, but some states (quite sensibly) observe it at different times to coincide with the best weather for planting trees in their region.
A Union Pacific engineer James Curran came up with the design for the ski chairlift in 1936. He was inspired by hook-equipped banana conveyor systems that loaded cargo ships in the tropics. The first ski chairlifts were installed at the ski resort in Sun Valley, Idaho.
Cushman Motor Works, a company started in 1903 in Lincoln, manufactured engines for farm equipment, but one of their most famous products was introduced during WWII. The Cushman Model 53 Airborne Scooter was designed to be dropped from a plane by parachute along with airborne soldiers. The scooters were used to ensure easy mobility and communication
between units.
Fremont native Harold Eugene Edgerton became interested in the use of stroboscopes (today best known as strobe lights) to study synchronous motors. This subject was the topic of his thesis at MIT in 1927. His methods went on to be used to catch split-second details in the photography of high-speed subjects (like a balloon popping).
Nebraska is also home to several first-time innovations that are not, strictly speaking, inventions. In the first part of the 20th century, hay bales were sometimes used to build structures like homes or even schools. The straw bale church in Arthur, Nebraska, is thought to be the first one built in the country…and it is the only one remaining.
Nebraska is also the first state to digitize its entire collection of original homestead records. In 2014, the state finished this giant project. Approximately 76,000 homestead files and some 1.6 million images were digitized to preserve the state’s rich history of homesteaders.
Nebraska was also the country’s first state to inaugurate Jewish American Heritage Month. On Israel’s Independence Day in 2022 (the evening of May 5th through the evening of May 6th), a celebration took place at the Nebraska Capitol Building. Then-Governor Pete Ricketts declared May as Jewish American Heritage Month in Nebraska.
Nebraska is quite a state! I love learning about the impact our state has had on the nation and the world.
By Deborah Daley
Fresh Concepts
Lovely, Smart Kitchens
The Latest Ideas in Kitchen Design
Kitchen design is hot this year, especially since kitchens are no longer just places to cook and eat. They’re the heart of the home, where family memories are made, where parties are hosted, and where the day begins. As design trends come and go and styles evolve, so do our personal preferences. Appliances, cabinets, and countertops each play a huge role in an amazing kitchen, but so do layout, style, and new conveniences. From bold hues to rich textures, from modern sleek to cozy and rustic, your space should be integrated with how you cook, eat, and entertain.
Broader design trends influence everything from cabinets to countertops, from appliances to the kitchen layout itself. If you’re planning a kitchen remodel, or simply a refresh, read on! Whether your home is a contemporary urban loft or a country cottage, your kitchen blueprint is a personal choice. The good news is that there are lots of choices!
A kitchen’s layout determines a lot about workflow and efficiency. A practical layout connects the three main work areas—sink, stove, refrigerator—in what is often called the work triangle. This classic layout provides maximum workflow and function.
The L-shaped kitchen, with a smart design of countertops on two adjoining walls, solves the problem of maximizing corner space. Chefs often prefer the galley kitchen layout, which is designed for minimal walking. Everything is positioned within arm’s reach. There’s also a U-shaped kitchen, which equalizes the distance between the sink, fridge, and oven for easy meal preparation.
Kitchen design should focus on function and beauty. The goal is to eliminate wasted steps. This can be accomplished by steering clear of corners, providing landing space near appliances, and choosing the perfect height for the microwave (15 inches above the countertop). The right countertop materials, proper storage, and appliances all help rather than hinder.
What about kitchen islands? They are appreciated for their extra space for food prep and for providing a casual dining spot, but their central location can sometimes interrupt the fridge-sink-stove work triangle. Also, the additional plumbing or venting required to include appliances on the island can be expensive. The current mindset is that islands may continue as part of the kitchen but are likely to function more for storage.
Efficient kitchen storage is a must, island or no island. Make good use of every bit of space with deeper drawers for pots and pans, pull-out trash or recycling bins, and lazy Susans for corner cabinets. Pull-down shelving in upper cabinets creates easier access, and pull-out pantry shelves or drawers are almost a must-have.
We are currently witnessing the rise of kitchens with two or more sinks. Multiple sinks in the kitchen allow for impressive multitasking and for separating tasks. You can wash and peel vegetables in one sink while preparing a separate dish in the other. Or you can wash and rinse vegetables in one sink while dedicating another sink to dirty dishes.
Another sink or two moves cooking and cleaning along faster. You can also use a separate sink for drinks, ice, and wine prep. Installing a second sink makes cooking more social, too, and more comfortable when multiple people are gathering in the workspace.
What kind of kitchen matches your home’s style? Ask your designer, countertop company, or contractor for advice on how your kitchen should reflect your lifestyle and your home’s overall character. From the clean lines of modern minimalism to the metallic finishes of industrial elegance, there’s a kitchen design trend that works best for you and your home’s style.
If you’re all about modern minimalism, then you already know that less is more. Clean lines and simplicity are the focus. Simple monochromatic palettes like white, black, and gray create a sophisticated backdrop. For extra punch, choose stainless steel or matte black appliances and hardware. Handle-free cabinets are a thing, too. Hidden “push to open” hinges allow for a seamless look.
If your style is rustic charm, consider the vintage vibe of open shelving and antique-inspired fixtures. Brass hardware and exposed reclaimed wood for cabinetry add rustic texture. Porcelain farmhouse sinks with a deep, wide basin are functional but also give an aura of cozy country. This kitchen makes cooking feel more like an art!
The raw, unfinished kitchen works well in urban lofts with exposed brick walls, large windows, and a luxurious yet gritty style. Concrete countertops really shine here, offering an edgy feel, especially with polished surfaces. Stainless steel appliances are a complement, too, and you can show off kitchen savvy with high-performance refrigerators and ovens.
Somewhat new this year is a design theme known as Scandinavian simplicity. This kitchen is all about creating a calm, uncluttered environment that’s as stylish as it is practical. Light wood like birch or oak, combined with a white palette, creates openness and light that makes the space feel larger. Sleek storage includes drawer dividers or pull-out pantry shelves, allowing for a clutter-free countertop. Less embellishment complements homes with limited space.
Even if you don’t live on the coast, you can still bring beach vibes inside with Mediterranean magic in the kitchen. If your home has abundant natural light, a kitchen that nods to sunshine and coastal living will inspire creative cooking and fascinate your guests! Bold and colorful ceramic tiles fit well in this style, with vibrant hues of blue, yellow, and terracotta for backsplashes and flooring. Rounded archways and beamed ceilings bring a sense of timeless elegance. Countertops are often marble or limestone for a touch of luxury, while textured stone walls vibe out like old-world villas. What’s not to love?
If more than one style appeals to you, keep in mind that it’s perfectly acceptable to mix them as you please. A transitional style kitchen offers a balanced blend of contemporary with timeless design—just choose style and function without fretting about fitting neatly into one particular style. Clean-line wooden cabinetry with painted finishes works easily with neutral palettes like grays, whites, and beiges. Accent with darker hues or soft metallics like brass or chrome without overpowering the space. Shaker-style cabinets have never lost popularity, and they blend seamlessly!
Appliance stores usually offer great advice about the latest in kitchen must-haves. Popular this year are smart appliances like refrigerators that track food’s expiration dates, ovens that adjust cooking times, and dishwashers that optimize cleaning cycles. Consider voice control and touchscreen surfaces for appliances, along with smart kitchen hubs that integrate appliances for centralized control.
If you’re not particularly into kitchen tech, go for energy-efficient appliances that will decrease your carbon footprint. You can also consider hidden appliances, like built-in refrigerators, ovens, and dishwashers. The finish and color can be customized to match your style. Induction cooktops are gaining popularity in the kitchen’s evolution, heating cookware directly with electro-magnetic energy (a metal coil) instead of heating the cooktop itself. The result? Faster, more efficient heating and a safer, easier-to-clean surface.
Cabinetry trends this year lean toward matte finishes over glossy—a sleek, modern look that’s less prone to showing fingerprints. Rich natural woods like walnut, oak, and maple are favorites for a warm, organic feel in the kitchen. Also trending are two-toned cabinets that mix colors (think dark lower cabinets and light uppers) for a deep visual interest.
Quartz countertops are always popular, not only for their beauty but also for their durable (non-porous) finishes. It’s hard to beat low maintenance in busy kitchens! Marble countertops need a little more TLC but are luxurious and timeless. Granite is ever popular for its heat-resistant durability and is great for those who like natural stone without the cost of marble. Don’t forget about concrete options! Concrete countertops are trending for a reason. They’re customizable to fit the exact shape of your kitchen, and the choices for colors are endless!
In 2025, we should expect the unexpected in kitchen design. While appliances go high-tech, walls and backsplashes are turning into works of art! Another surprise? Wallpaper is back. You may even encounter fabrics in places you expected to find hard surfaces.
Design your kitchen for function, aesthetics, and smart features that tailor your space to your taste. From multiple sinks for better workflow to state-of-the-art appliances, create a space where you’ll love to cook, entertain, and spend your time!
Sources for this article included: housebeautiful.com, livingetc.com, and bhg.com.
By Janette Calabro
Good Looks
Hair Today, Gone Tomorrow
Removing Unwanted Hair
Summer is here: the time for beaches, backyards, and bare skin. We’ve ditched the sweats and donned the shorts. We’ve packed the sweaters and pulled out the tanks. Being summer-ready means starting with a smooth, hair-free canvas. There are various methods available for body hair removal, and the best option depends on your individual needs and preferences. Factors to consider are skin sensitivity and pigment, hair type, and the size of the target area.
Electrolysis, laser treatments, and waxing are proven hair removal methods. Electrolysis is not a new concept, having been around since the late 1800s. It’s the only FDA-approved method of permanent hair removal. It’s commonly used on the face, bikini line, underarms, chin and upper lip area, eyebrows, and, of course, the legs. And it’s not just for the ladies. Men choose electrolysis to treat the back, underarm, and groin areas.
Electrolysis works by destroying the growth center of the hair with either chemical or heat energy. It involves inserting a fine needle into the hair follicle. This needle delivers a small amount of electric current or heat into the follicle, destroying the root and preventing regrowth. It’s effective on all types of skin tones. Destroyed hair follicles will not regrow hair.
The discomfort from electrolysis is minimal. Most people experience a hot or pinching sensation. The level of discomfort depends on the area being treated and the patient’s sensitivity to pain. (For example, the bikini area is likely to be more sensitive than the calf.) The skin may be slightly red or irritated for several hours following treatment, but there is no downtime. Because individual hairs are in different stages of the growth cycle, weekly or biweekly treatments over a period of time are required for optimal results. After that, maintenance treatments aren’t needed.
Most states require a license or certification to perform electrolysis. If your state doesn’t require this, look for a technician who has been trained at an accredited electrology school. Most facilities offer a free consultation, where you can observe the cleanliness of the facility, evaluate the competency and skill of the technician, and get your questions answered.
Laser hair removal is a medical procedure that uses a beam of light to remove unwanted hair. This light energy is converted into heat, damaging the hair follicle and inhibiting new growth. Hair growth is delayed for long periods of time, but this treatment is not permanent. People who have the combination of light skin and dark hair receive the best results, but it works on all skin types. Common treatment areas are the legs, armpits, chin, and bikini line. It’s sometimes used in conjunction with electrolysis, which targets white or gray hairs that go undetected by the laser.
Two to six initial treatments are required, anywhere between four to 16 weeks apart (depending on the area being treated). Because the lasers are most effective when hair follicles are in the new growth stage, repeated treatments provide the best results. Periodic maintenance treatments may be needed for long-term results.
The type of laser used depends on several factors, including skin pigment and the area being treated. The Alexandrite laser’s long wavelength targets a large spot with each pulse, making it a good choice for large areas of the body. The Diode laser can emit both short and long wavelengths and is a good choice for most skin colors. The Ruby laser has been around for a while, but it remains popular with people who have fair, sensitive skin, as it is relatively pain free and less likely to cause irritation.
Each state has its own regulations regarding laser administration. Some require that it be performed by a physician, while other states permit non-medical personnel to administer treatment as long as they have been properly trained. Your state’s medical board can provide guidelines for your state.
Waxing is a tried-and-true hair removal process. Hot waxing is usually the first thing that comes to mind, but there’s also cold waxing. Cold wax treatments involve pressing semi-solid wax strips to the skin, going against the hair growth so the strips have a strong hold on the skin when they’re pulled off. Multiple treatments are not needed to notice a visible change. This method is generally less painful than hot wax treatments, although hot waxing provides highly accurate results, particularly on eyebrows and other small areas. Then there’s soft waxing. Soft wax is applied to the skin, then covered with a muslin cloth to dry. It’s a good choice for large areas.
It’s time to say adios to unwanted hair and make your skin as smooth as a gentle summer breeze!
Sources for this article included: hairfreelife.com, electrology.com, and webmd.com.
By Loretta McCollum
Income Outcome
Small Victories
Taking Time for Reflection
Here I am. It is Sunday night. It’s been a good weekend. Caught up on some sleep. Watched a couple of movies. Before I know it, I am checking my calendar for the week ahead of me.
“Don’t judge each day by the harvest you reap but by the seeds that you plant.” —Robert Louis Stevenson
Sunday nights have become my time to reflect on the past week…and prepare for the coming week. Honestly, I never really did this until I met my husband, Manny. As I told him when we first met, I am not someone who reflects. My thought process went something like this: “It’s water under the bridge. Why waste my time? Let’s get going to the next thing!”
Well, Manny is very different from me. Frankly, his brain works unlike anyone I have ever met, and he reflects more than anyone I have ever known. His brain takes him back to situations that occurred that day, that week, or even a very long time ago. I’ve asked him why he thinks his brain works that way. His answer is always the same: “So I can learn.”
“Tell me and I forget, teach me and I may remember, involve me and I learn.” — Benjamin Franklin
I have to admit, this idea took some getting used to. And then something happened…I started trying it out for myself. I started reflecting on my past day, then my past week. Asking myself…did I make progress? Did I learn anything? Did I make anyone’s life a little better? Did I have true joy in my life today? If I could do it over again, what…if anything…would I change?
“It’s on the strength of observation and reflection that one finds a way. So we must dig and delve unceasingly.” —Claude Monet
Learning the art of reflecting was a life-changer for me. In a short period of time, I found myself being more “present.” It was like I was observing my days instead of rushing through them like I had been doing before.
Sunday night is now my teacher. Sunday nights help me prepare for a better week than I would have had if I had not taken time to reflect and learn. Sunday nights are now my time for my small victories!
“Success is rarely the result of one fell swoop, but more often the culmination of many small victories.”—Joseph M. Marshall III
By Janet Van deWalle
Kids Comments
Life Skills
Preparing Kids to Be Tomorrow’s Adults
Over the last few months, I’ve used this column to share some ideas for you to help kids academically, but not everything is about school. Kids also live in the real world…and, sooner or later, they’ll be living in it without your direct supervision. Because summer schedules are usually less hectic, it’s the perfect time for kids of all ages to strengthen skills that will serve them well in school and beyond.
People are never too young or too old to think ahead, to accept responsibility for themselves, or to recognize problems and devise methods for their solution. Parents often do things for their kids because it’s easier to take care of something than to see our children struggle through a difficult time.
Kids at a young age can be taught to do little parts of larger chores. They can help sort laundry, learn why we sort laundry, and, eventually, operate the washer and dryer. They can learn to put dirty dishes in the sink or on the counter. By helping us, they learn to pick up after themselves and put things away. The trick is to let them do it and not complain when something isn’t done the way you do it. With practice, they’ll improve…and maybe even get things done without prompting.
Kids need to solve their own problems. If parents always step up and take care of things, the only thing the kids learn is that someone else will save them. If your child is struggling, let them tell you what they think is causing the problem. When you hear that mournful cry, “I can’t find (whatever)!” show them how to retrace their steps. It’s easy to say, “Your job is to keep track of (whatever). Let’s think about where you might have left it.” Helping the kids identify the problem and find a way to solve it or make sure it doesn’t happen again gives them self-confidence in their own ability to make their way.
Kids live in the NOW! Sometimes, that’s a good thing. Babies learn that fussing will get them fed, or changed, or picked up and cuddled. As they get older, kids sometimes fall into that same habit and make a fuss trying to get their way. Again, parents can help by coaching kids to think ahead instead of expecting instant gratification. When the kids can plan on how to get something they want and see how work leads to success, then success will mean more.
Think about how you learned to accept responsibility for yourself, your actions, and your decisions. How did you learn to identify a problem and devise a solution? When did you learn that expecting the unexpected can make things easier? How many times have you said to yourself, “I wish I’d known that when I was a kid”?
Editor’s Note: Marge has three children, two grandchildren, and numerous nieces and nephews. She holds advanced degrees in education. Her life’s mission is to teach everyone that kids are people, too.
By Marge Shoemaker, BS, MS
Interiors By Design
Let the Sunshine In
Keep the UV Rays Out
There’s something magical about sunlit spaces. Rooms feel brighter, more spacious, and so inviting! Our emotional connection to the sun and its light is a profound source of joy and well-being, but all that mood boosting energy does come with a price. Exposing interiors to prolonged sunlight leads to heat buildup, increased energy costs, and harmful UV rays that can damage furniture, flooring, and artwork.
Fortunately, there are ways to mitigate the costly effects of sunlight and still enjoy the many benefits. By taking the proper steps, you can welcome the sunlight into your home, reduce energy costs, and protect your valuable interiors.
Windows are the gateway to natural light, opening our interiors to a bright, airy feel and providing beautiful views to the outdoors. Windows are also where most of the harmful UV rays enter our homes. The buildup of heat and UV rays entering through glass accelerates the breakdown and fading of fabrics and other materials over time. Investing in energy-efficient windows reduces energy costs and protects your home and its interior.
With so many window brands to choose from, it’s easy to be overwhelmed when trying to decide which windows are best for your home. The best windows vary depending on region, so begin your search with local retailers who will be knowledgeable about the products best suited to your environment.
Look for windows with low-E coatings on the glass. These coatings are designed to reflect harmful UV rays away and still allow plenty of natural light to flow throughout your home, keeping your interiors bright while protecting your upholstery and floors. Low-E windows do have a slight tint that may or may not be visible from the outside, depending on how dark a tint you select. Double-paned windows constructed with vacuum-sealed argon and tightly constructed wood or vinyl frames are solid options.
Adding window films to your existing windows is an easy and economical way to keep most of the sun’s heat away from your home while still letting in the light you want. Quality films block as much as 78 percent of solar heat and up to 99 percent of UV rays to protect your interiors and prevent fading. Best of all, these films maintain clarity, so they won’t darken your room or spoil your view of the outdoors.
Window treatments are another effective and stylish way to block damaging rays. A solar blind is a simple and decorative way to protect a room from the sun’s glare and ultraviolet light. Layering a solar blind behind other window treatments shields the fabrics from the fading that occurs when exposed to harmful rays. With so many color and style options, solar blinds can even stand alone as window treatments. From sheer to opaque, solar shades can provide an unobstructed view or complete shade and privacy.
When you’ve made an investment in quality upholstery and window treatments for your home, the last thing you want is for them to fade quickly! This is where wise fabric selections can make all the difference. Natural fibers, such as cotton and linen, are fade-resistant and excellent choices for window treatments and upholstery. Lightweight, gauzy drapes made of pure linen are beautiful and stand up well to the sun. Man-made fibers like acrylic and rayon also stand up well to fading.
For upholstered pieces and accent cushions, consider using indoor/outdoor fabrics. Indoor/outdoor fabrics are not just the tough, shiny, water-resistant fabrics you might remember from the patios of your childhood. These fabrics are more durable and fade-resistant than regular fabrics while offering the same soft hand-feel. The manufacturing process weaves UV-resistant pigments into the fiber before it’s ever woven into a fabric, securing the color against any fading from the sun. With an array of beautiful colors and patterns, these indoor/outdoor fabrics will look just as at home in your living room as on your patio.
An upholstery protector is a specifically designed product that can be applied to fabric to reduce the effects of ultraviolet light. This option is offered by furniture retailers at the point of purchase. The benefit of these products is two-fold, as these products block out UV rays and protect your fabric from stains and wear and tear.
The warmth of a sunlit home creates an environment that positively influences our emotions, health, and quality of life. By taking the proper steps to effectively block the sun’s harmful effects, you can enjoy abundant sunlight with confidence. Invite the sunshine into your home and stay cool, comfortable, and protected. It’s win-win!
Sources for this article included: houzz.com, hgtv.com, and consumerreports.org.
By Robyn V. Powell
Home Works
Staying Cool
A/C Options for Summer Heat
Summer time in Nebraska gets HOT! Whether you are in need of a new unit, are upgrading to be more energy-efficient, or are building a new home, you’ll have more options than ever when it comes to keeping your home cool and comfortable.
From central air systems to ductless mini-splits and even geothermal setups, today’s air conditioning options are designed to fit a wide range of home styles, energy goals, and budgets. Here’s a breakdown of what’s available—and what to consider before you invest.
The first domestic air conditioner was installed in 1914. While there have been many updates and modifications, central air conditioning is still a household staple. It’s the most common choice when it comes to cooling the home. These systems use ductwork to distribute cool air evenly throughout the house and are controlled by a single thermostat. They’re the ultimate in “set it and forget it” air conditioning systems.
What do you need to consider when choosing a new central air unit? The first indicator to look for is the SEER Rating (this stands for Seasonal Energy Efficiency Ratio). This is the key indicator of a unit’s energy performance. As of 2023, new units must have a minimum SEER of 14, but many high-efficiency systems exceed 20. Higher energy efficiency can potentially save you money on utility bills, as well.
Getting a unit that is the proper size and capacity for your home is extremely important. If the unit is too small, it will not be able to cool the space effectively; if it’s too large, you are wasting money and energy.
Many newer models can integrate with smart home tech, making it easier to manage your energy use. If the latest technology is important to you, consider these models.
Once you get a new unit installed, don’t forget about the maintenance. Just like with an automobile, regular maintenance can improve the performance of your system and keep it working at its optimal level for years. You will need to replace the filters at regular intervals. It is also recommended that you get your unit professionally inspected once a year.
Ductless mini-split systems are gaining popularity thanks to their efficiency and flexibility. These systems consist of an outdoor compressor and one or more indoor air-handling units mounted on walls. These types of units are ideal for homes that have no existing ducts, which might include remodels or older homes where installation of ductwork would be too expensive. Like traditional air conditioners, ductless mini-split systems also have SEER ratings. However, this type of air conditioner typically comes with higher SEER ratings, well above 20.
As with traditional air conditioning units, mini-splits require regular cleaning of indoor unit filters, as well as occasional professional servicing to check refrigerant levels and make sure that the compressor is still in good shape.
If you’re looking for an eco-friendly cooling solution, consider going green with a geothermal system. A geothermal heat pump system is a high-tech option that uses the constant temperature beneath the earth’s surface to cool (and heat) your home. Though they carry a higher upfront cost, they offer substantial long-term savings.
Geothermal systems are among the most efficient air conditioning systems on the market. According to the U.S. Department of Energy, they can reduce energy use by up to 50 percent compared to traditional HVAC systems.
Geothermal options are typically most beneficial if you are planning to stay in your home for a considerable amount of time, as they are often the mostly costly option. However, many homeowners can recoup the investment within 5–10 years through energy savings and tax incentives.
Another benefit of geothermal is the low-maintenance nature of these systems. Geothermal systems require minimal maintenance, especially the underground components, which can last over 50 years. The indoor heat pump typically lasts 20–25 years. Annual inspections of the system are still recommended to ensure performance.
What’s the bottom line? Know your needs, and then call a pro. Every home is different, and so are the homeowners’ goals—whether it’s budget, sustainability, or convenience. That’s why working with a trusted HVAC professional is vital. They can assess your home’s layout and your cooling needs. They can help you compare system options in terms of installation, efficiency, and long-term value. It is usually a good idea to get multiple quotes. Some HVAC specialists only work with certain brands, and they may not offer the option that is best for your needs.
As you consider your next cooling investment, keep in mind that the right air conditioning system can improve your comfort, boost your home’s value, and even reduce your energy bills.
Sources for this article included: energy.gov, energystar.gov, acca.org.
By Carissa Rosa
To Your Good Health
Mood Swings to Muscle Loss
What Women Should Know About Men’s Health
While women are managing menopause like champs, the men in our lives might be quietly going through something similar…and often, they do not realize it. Yes, “male menopause” is a thing. What they are experiencing is called andropause. It deserves a spot in our wellness conversations, especially since we are usually the ones encouraging the guys we love to see a doctor.
Andropause is not triggered by a sudden hormone shift, like menopause, but rather by a slow, steady drop in testosterone levels. Testosterone is the hormone that gives men their deeper voices, body hair, and muscle mass. It plays a big role in sex drive and sperm production, too. As testosterone levels dip, some men start to notice changes—physically, emotionally, even mentally.
Because the drop in testosterone is gradual, not all men experience andropause in an obvious way. Some may breeze through middle age with little more than a few more gray hairs. Others? Not so lucky.
According to research, around 40 percent of men older than 45 have low testosterone—also known as “low T.” In about two percent of men, those levels are low enough to lead to osteoporosis, the bone-thinning condition most of us associate with postmenopausal women.
The signs of low testosterone are more than just physical. Your partner might be suddenly moodier, sleeping poorly, or not interested in things he used to love. You might notice he is more irritable, struggling to focus, or feeling down in the dumps without knowing why. Maybe he’s lost muscle tone or his libido has taken a nosedive. Sound familiar? These changes are often blamed on stress, burnout, or a “midlife crisis.” Unfortunately, many men, and their partners, just put up with these changes, frustrated and confused.
Many men do not even consider low testosterone until someone else points it out. That is why your role is so important. If your guy is not quite himself and it has been going on for a while, it might be time to suggest a visit to his doctor. A simple blood test can check his testosterone levels. If levels are low, the doctor might recommend seeing a specialist like an endocrinologist. From there, treatment options like hormone replacement therapy (HRT) could be on the table.
Hormone replacement therapy options include injections, gels, patches, or pills. Most men who choose hormone replacement therapy report better mood, energy, and libido within a month or so. Muscle tone can come back in three to six months. It is not the fountain of youth, but it can absolutely improve quality of life.
Something to consider is that too much testosterone, whether produced naturally by the body or introduced through overuse of supplements, can cause acne, an enlarged prostate, mood swings, and even fertility problems. That is why hormone replacement therapy should always be done under a doctor’s care, not via an online low T kit or something his gym buddy swears by.
Whether your man’s testosterone is dipping or not, a few lifestyle tweaks can help keep those levels in check. You’ve heard most of them before: eat a balanced, protein-rich diet; get regular exercise, especially resistance training; prioritize sleep; and manage stress, because the stress hormone cortisol and testosterone do not get along. Men should cut back on alcohol, avoid smoking, and keep chronic conditions like diabetes and high blood pressure in check. Getting him into the habit of scheduling regular checkups with his doctor is important.
Hormonal shifts can mess with a man’s mood and self-esteem just as much as they can with ours. Loss of confidence, irritability, or emotional distance can quietly chip away at relationships. Open, honest conversations can make a world of difference.
Let him know it is okay to feel off and that there is a reason for it. If mental health support is needed, that is something to encourage, not avoid. Therapy, support groups, or even regular chats with a trusted friend or doctor can help him feel seen and supported.
Aging is a journey that is best taken hand in hand. As you navigate your health and well-being, do not forget to check in on the men in your life, too. Andropause may not come with hot flashes or hormone patches on every pharmacy shelf, but it is very real and worth talking about. The next time you’re sipping your morning matcha or planning a girls’ getaway, maybe bring up this little-known topic with your partner, at book club, or in your group chat. The more we normalize these conversations, the healthier and happier our relationships can be.
Sources for this article included: health.usnews.com, nhs.uk, and my.clevelandclinic.org.
By Leslie Byrne
Focus On Finance
Stockbroker 2.0
The Saga of the Stockbroker
The vocation of stockbroker began on May 17, 1792, when 24 professionals gathered under a
buttonwood tree in lower Manhattan and signed an agreement outlining how they would conduct their business. It is perhaps prophetic that the only item mentioned in the agreement was the fees they would charge for their services.
After earning a graduate degree in finance, I became a member of this elite group when I joined a local brokerage firm. At that time, the regulations were considerably less stringent than they are now. Brokers were able to construct their own stock buy lists in order to distinguish themselves from their peers. It didn’t take long before I figured out that the best stocks to recommend were those with the biggest commissions.
In the early 1990s, the position of stockbroker began to change. Several of my colleagues became financial planners and spent more time on taxes than on stock selection. I thought to myself, “I’m a stock picker, not a bookkeeper.” In spite of my protestations, the profession moved on without my consent.
The next chapter in the evolution of the stockbroker arrived when a widow came to me and told me she wanted to move from one of the Wall Street legacy firms to my firm. Her late husband had created a stock portfolio and she just wanted a place to park it. The Wall Street firm informed her that, in order to continue to do business with them, most of her money had to be in an account managed at the corporate level, with no broker involvement in its management.
Around the year 2000, conditions converged which caused further decline in the ability of stockbrokers to function in their traditional fashion. The Wall Street legacy firms’ demands that their clients’ accounts be managed at the corporate level put a further strain on the brokers’ revenue stream. In response to this, brokers began looking around for new sources of revenue. They began to market themselves as wealth managers, which was another step away from stockbroker.
At the same time that brokers were becoming wealth managers, the discount brokerage firms were growing at an exponential rate, taking clients and assets away from the Wall Street legacy firms and their brokers. This growth spurt occurred, in part, because their electronic infrastructure and regulatory changes allowed investors to operate without the assistance of a broker.
The newly minted discount brokerage firms sensed the growing angst in the Wall Street broker community and built a business platform that allowed them to operate independently from the traditional brokerage firms. The business model was simple: Rent an office space, create your own marketing, and we will provide you with a state-of-the-art electronic platform so that you can operate your own investment functions.
In order to distinguish themselves from the traditional stockbroker brand, most adopted the moniker of Registered Investment Advisor (RIA). This new home allowed RIAs the freedom to operate and an electronic platform where they could innovate. The robo account was born.
A robo account is a collection of mutual funds from various asset groups, such as stocks, bonds, and occasionally gold or real estate. The RIA programs their computer to assign a client’s account a specific percentage of each asset class. This automated format requires little effort or time on the part of the broker.
The unintended consequence of this format is that robo accounts have turned investment management into a commodity. While there are differences among each RIA’s allocations, the differences in the investment results are insignificant.
The next episode in the saga of the stockbroker was the proliferation of 401(k) plans. A 401(k) plan consists of two basic components: a bookkeeping function and a mutual fund menu. This menu of mutual funds is the list from which the employees choose funds to build their individual portfolio. A licensed broker is needed to decide which funds will be included in the fund menu. The broker then sits back and collects fees paid to them by the fund companies included in the menu.
The discount brokerage firms saw the burgeoning 401(k) market as another opportunity to garner market share and developed a package that allowed RIAs to provide employers with a one-stop 401(k) plan. The downside to this arrangement is that the individual directing the investment menu is often a jack of all trades whose primary focus is financial planning, not investing.
The world we live in is constantly changing, and technology often leads the charge. The vocation of stockbroker is not what it used to be! In this fast-moving environment, it is incumbent on investors to stay current on industry changes and how such changes might impact their individual investing needs.
Editor’s Note: George Morgan has five decades’ experience in all phases of the investment process. He is currently the Founder and Principal of Morgan Investor Education. His website is morganinvestoreducation.com.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult your financial advisor prior to investing.
By George Morgan
Seasons of Life
Cataracts
Restoring Your Eyesight
It can happen gradually. The clear and crisp images that you are used to seeing have become darker and a bit muddled. You’re seeing strange glare or halos. You’re noticing a bit of double vision. The recent prescription change for your glasses has not helped. What is going on? When you were in your 40s, the dreaded word “bifocals” probably crept into your vocabulary. If you are over 60, you may now be hearing the term “cataracts.”
Cataracts are a common eye condition that typically affects older adults. They develop for a variety of reasons, the most common being aging. Even though a cataract diagnosis is common, it can cause anxiety and confusion. There are three types of cataracts, each with distinct causes and characteristics: nuclear, cortical, and posterior subcapsular.
Nuclear cataracts form in the central zone of the lens. This is the type most often associated with aging. The lens may become yellow or brown, which affects how you see color or may prevent you from seeing clearly, especially at a distance.
The second type is a cortical cataract. These cataracts develop in the lens cortex (the outer edge of the lens). They are characterized by white, wedge-like shadings that start in your periphery and then progress toward the center of the lens. This distortion can cause glare, blurry vision, sensitivity to light, and problems with contrast and depth perception, especially when driving at night.
The third type of cataract is posterior subcapsular cataracts. These occur at the back of the lens. This type often develops more rapidly than the others and is commonly the result of diabetes, chronic use of steroids, or extreme nearsightedness. These can cause difficulty with reading and can cause glare or halos, especially around lights.
Cataracts will affect your quality of life if left untreated, causing low vision and potentially preventing you from doing the activities you enjoy. You may have to give up hobbies like sewing or embroidery, like golf or woodworking. Your crossword puzzles may become blurry, and you may not be able to see that pickleball clearly among those pesky ceiling lights. Surgery may be looming, which can be scary, but there’s no sense in waiting. Cataracts do not improve on their own.
Cataract surgery is one of the most common procedures performed in the United States. This popular procedure gets plenty of attention from the medical community, so surgical techniques and options for lenses continue to improve.
The most common procedure is called phacoemulsification, where the clouded lens is emulsified with ultrasound waves and then replaced with an artificial intraocular lens (IOL). This artificial lens is designed to last a lifetime. There are three types of artificial lenses: monofocal, multifocal, and toric. Your doctor will determine which will work the best for your situation.
Cataract surgery has about a 97 percent success rate in improving the patient’s vision. Many times, the preparation of the patient takes longer than the actual surgery. The procedure is performed on an outpatient basis, with no overnight stay. Patients return to a normal routine within a couple of days. Gone are the days when a cataract patient needed to stay immobile for days, wearing an eye patch 24/7. Recovery includes rest, follow-up care, and a few days’ worth of prescription eye drops.
When you think you are ready to move forward with surgery, you will need to consult a skilled and experienced ophthalmologist (a medical doctor who specializes in conditions of the eye). If you have always gotten your eye care from an optometrist and don’t know who to choose, ask your friends or relatives. Cataracts are common—you probably know someone who has undergone the procedure.
Pre-existing eye conditions such as glaucoma or diabetic retinopathy may affect the overall success of this surgery, so your primary care physician will work closely with your eye surgeon to discuss care. Ask questions about the procedure and its success rate, what you should expect during the recovery and healing process, and what your insurance covers.
Your physician and your care team will give you instructions on post-surgery care. Write down your questions about physical activities, returning to work or daily activities, wearing makeup, and participating in swimming or other sports. You will be wearing an eye shield during sleep only. You may be pleasantly surprised at the ease of this transition.
After your surgery, you will see a new world, with sharper and more vibrant colors and easier night driving. Many patients don’t need corrective lenses of any kind after cataract surgery! Modern techniques and medical advancements have made cataract surgery one of the safest surgeries we can elect to do.
Sources for this article included: aao.org, clevelandclinic.org, and medicare.gov.
By Kate Beiting
Peak Performance
Trust the Process
Protecting Your Assets Through Trusts
When you trust someone, you believe in their reliability, ability, or strength. No wonder the legal profession decided to call an important wealth management planning tool a trust! In simple terms, a trust is a legal document that governs your wishes for how and when to transfer your assets to your loved ones or charitable organizations. In a trust, a party known as a trustor gives another party (the trustee) the right to hold title to and manage property or assets for the benefit of a third party (the beneficiary).
Trusts are not just for the affluent. They are growing in popularity because they are so flexible and can address a variety of objectives. A trust can protect and preserve your assets, customize and control how your wealth is distributed, and minimize taxes. They can even address complicated family dynamics like divorced parents, blended families, or helping a parent or other relative manage their financial affairs.
There are two main types of trusts: revocable and irrevocable.
A revocable trust allows you to retain as much control as you like over the trust and the assets you place in it. You can serve as your own trustee, change the terms whenever you like, add or withdraw assets at any time, and name a successor trustee to take over. You can use a revocable trust to document how you want the assets in the trust to be managed, distributed, and used after you are gone. Assets in revocable trusts also avoid probate, saving your beneficiaries from the public disclosure, time, and fees associated with probate court.
An irrevocable trust allows you to permanently remove assets from your taxable estate. It can only be changed under very specific circumstances. Irrevocable trusts can be used to provide for a spouse and children from a prior relationship, help ensure that your heirs manage and use funds wisely, and minimize federal and state wealth transfer taxes.
What is the difference between wills and trusts? Wills provide instructions on how to distribute your assets after your death. Trusts are legal contracts that allow you to transfer your assets, before or after death, to an account to be managed by yourself or others. Importantly, assets held in trust do not need to go through probate court—allowing your beneficiaries to access their inheritances more easily and quickly.
Beyond the two broad categories of trusts, there are many different types of trusts that can address various goals. Marital trusts are established by one spouse for the benefit of the other when the first spouse passes away. They ensure that assets pass seamlessly to the surviving spouse.
Charitable trusts come in two types: a charitable remainder trust (CRT) and a charitable lead trust (CLT). Both involve gifting assets to a trust, which makes ongoing distributions to either a non-charitable beneficiary (CRT) or charitable beneficiary (CLT), with any remaining assets at the end of the trust’s term going to a charitable beneficiary (CRT) or non-charitable beneficiary (CLT). These trusts can help balance charitable goals with income needs and provide potential tax benefits.
If you have a loved one with a disability, a special needs trust can help ensure that person receives financial support without jeopardizing their access to government benefits. These trusts are designed to supplement rather than replace government benefits and can provide for the special needs of your loved one in the long term.
Setting up a trust is relatively easy. Talk to a lawyer with experience creating trusts—typically, an estate planning attorney. Coordinate with your tax and financial advisors, so that the full picture of your financial situation and goals is contemplated. Your trustee manages the distribution of assets from the trust according to your wishes, so pick someone you can count on to objectively carry out your intentions. Finally, move assets into the trust when your attorney recommends doing so.
Other assignations that can affect estates are guardians and conservators. Generally, a guardian has control over the everyday decisions and care of a minor. Conservators have similar control over an adult, but they’re typically limited to financial decisions.
A guardian is often named during estate planning. In the event of the death of a child’s parents, the named individuals become their legal guardians. The court appoints a conservator when an adult is deemed incapacitated or incompetent. This may be due to a physical or mental disability (or both). Conservators are typically family members. Once appointed, they have legal authority to make decisions regarding the conservatee’s financial and personal well-being.
Review and update your trust every 3–5 years or whenever you have a significant life change. The peace of mind is worth the effort.
Sources for this article included: tiaa.org, investopedia.com, and trustandwill.com.
By Deborah Daley
Auto Wise
Pre-Owned Vehicles
Is This the Path for You?
Did you know that consumers, on average, switch cars every six years? Yes, it is true! That makes for a lot of pre-owned cars out there. Did you know that you can save 40–50 percent by buying a pre-owned vehicle instead of a new car? Also true! The biggest drawback to purchasing a brand-new car is the depreciation. New vehicles lose their value very quickly. It is not unusual for a new car to lose 10–11 percent of its value as you drive it off the lot! When you purchase a pre-owned vehicle, that depreciation has already taken place…it happened when the first owner drove it off the lot. In this market, a pre-owned vehicle could even gain value.
If you’ve purchased a new car lately, you probably noticed all the fees that came with it. They could include shipping charges, destination fees, and all that dealer preparation stuff (whatever that is). A pre-owned vehicle, in most cases, has very few hidden fees.
Semantically, “pre-owned” and “used” vehicles are the same thing. But “certified pre-owned” means something entirely different. The specifics for certified pre-owned are that it has been inspected, refurbished, and certified by the manufacturer to ensure that the vehicle is of the highest quality. Included with that certification may be an extended warranty and even special financing.
Some pre-owned cars still retain some of their original warranty, and some offer the option of creating a new warranty. The first step is to find out exactly what that warranty covers. It should provide factory-trained technicians to repair your vehicle with only top-quality parts and fairly quick service. Find out how long the coverage is available. Is it transferable? What other benefits does it offer? A bumper-to-bumper warranty includes hundreds of covered repairs with only a short list of exclusions. Make sure that you have a complete list of what is covered and what is not.
There are some important questions to ask about any pre-owned vehicle you’re considering. What is the age of the car? What is the car actually worth? And—this is a big one—what is the current mileage? Also, you need to ask if the car has been damaged in an accident and whether there are any mechanical problems. Ask if there is a vehicle report available and if the car in question has a safety rating. Be sure to take it for a test drive!
If the vehicle is not certified pre-owned, then you should definitely have a third party inspect the vehicle. Certified pre-owned cars do not need a third-party inspection, but if you want your own mechanic to take a look before you buy it, you certainly can. In most cases, pre-owned vehicles are filtered between good and bad during the certification process.
Now, let’s talk about financing. Experts recommend that you pay in full when you buy a pre-owned car, but that might not always be possible. If you’re looking for financing, the bank will want to know how many miles are on the automobile. (A common cut-off point for lenders is 100,000 miles.) Your credit score will play a large role in what kind of interest rate you can get.
The 20/4/10 finance rule is a solid way to calculate how much you can actually afford to borrow. This translates to: if you have enough cash on hand to afford a 20 percent down payment, if you will be able to pay off the entire loan within four years, and if you will be spending less than 10 percent of your monthly take-home pay on your car expenses, you are good to go.
As a smart car shopper, you need to check out the true worth of the car you are thinking of purchasing. This is where the famous Kelley Blue Book comes in. This is the figure that you’ll find in pricing guides and pre-owned car pricing websites. You can find it yourself at kbb.com. Of course, it lists the base retail value of the vehicle in question, not the specific vehicle that you are buying, but it’s reliable place to start.
If you are purchasing a pre-owned vehicle from a private seller, make sure you get a vehicle history report. You can get these in many places; CARFAX is one you may have heard of. It can cost up to 50 dollars, but it will be very much worth it. It will indicate an accident history, recall history, the title and lien history, and the all-important service history.
Now that you are armed with the information you need, you are ready to go get that pre-owned vehicle you want. Happy shopping!
Sources for this article included: consumerreports.com, bankrate.com, and cars.usnews.com.
By Linda Sutherland
The Good Life
Upscale Outdoor Grilling
Elevate Your Backyard Living
Summer is a great time to enjoy the outdoors, whether you are relaxing, hosting get-togethers, or grilling. Outdoor kitchens are popular because they allow you to cook, dine, and entertain in a stylish and comfortable setting. Before starting an outdoor kitchen project, you need to consider space, layout, functionality, aesthetics, and cost. Careful planning will help you create the backyard culinary retreat that fits your life.
Begin by evaluating the available space in your backyard. Measure the area you plan to use and consider how the kitchen will blend with the rest of your outdoor living space. To design an efficient layout, consider accessibility, traffic flow, and the location of the dining area. Other important considerations include the locations of existing electrical, plumbing, and gas lines. A thoughtful design will maximize functionality and create a comfortable, inviting space.
The cost of an outdoor kitchen varies widely depending on factors like size, building materials, appliances, furniture, and entertainment features. Set a clear budget, identify must-have items, and set priorities. Planning will help you preserve what is most important to you while avoiding unnecessary spending.
When designing the layout, consider the size of the space. Larger areas can accommodate a wraparound design that incorporates several appliances. A straight-line layout is ideal for smaller spaces and is generally the most budget-friendly option. The most compact layout is the kitchen island, which contains a grill and other appliances in a compact unit.
When selecting the frame and cladding materials for your kitchen, choose items appropriate for your climate. Common frame materials include wood, metal, and concrete.
Wood is budget-friendly but has risks, including rot, combustibility, and termite damage. Metal frames work well in dry climates; however, metal is not a good option for humid climates or areas that experience freezing because moisture can lead to instability and corrosion over time. Concrete blocks are the most expensive option, but they work well in all climates, do not break down, and are non-combustible.
Cladding materials cover the frame and bring the kitchen to life. These materials include stucco, tile, brick, and stone. Stucco works in dry, hot climates. Tile options abound but may be fragile and require regular maintenance. Brick and stone offer stability but can be pricey. If you want the look of brick or stone but not the expense, a manufactured veneer can provide the same look at a lower cost.
Next, consider what types of cooking appliances to include. Although the grill remains a staple, it is just the beginning. Today’s trends feature pellet grills, flat-top griddles, smokers, and pizza ovens. Many of these appliances are equipped with smart technology to make cooking outdoors even more convenient.
Important considerations when selecting a grill include the type of fuel used and the desired size. Charcoal grills are typically the least expensive option, giving food a trademark smoky flavor. Gas grills are convenient because they have a push-button ignition and reach high temperatures quickly. They can be powered by liquid propane gas cylinders or can connect directly to a gas line. For those who cannot decide between the two, there are charcoal-hybrid grills.
Pellet grills have become increasingly popular. These grills use wood pellets as fuel. Pellets are released from a hopper into the firebox to give food a smoky flavor.
Flat-top griddles allow for cooking large amounts of food at once and can sear and cook food quickly. Because they have a flat, solid surface, you can grill foods like vegetables, pancakes, bacon, eggs, and even fried rice without food falling through the grates.
Smokers cook using indirect heat and smoke in a controlled environment for a long time. This low-and-slow cooking method is great for tender meats like ribs, briskets, and pork shoulder, all infused with a distinct smoky flavor.
Pizza ovens are available in various types and sizes. A wood-fired pizza oven is an excellent option if you love the smoky flavor of pizza often found in restaurants. Gas-fired pizza ovens are the most convenient because they heat up fast and provide a consistent temperature. If you want versatility, multi-fuel pizza ovens combine gas, wood, and charcoal.
Finishing touches for your outdoor kitchen should include furniture and entertainment features that match your lifestyle. Think about how you like to entertain. Do you want a dining table for meals or comfortable seating with side tables? Regardless, select low-maintenance outdoor furniture with weather-resistant materials. Install a big-screen TV or wireless sound system for additional enjoyment.
With thoughtful planning and design, your outdoor kitchen will be a space that suits your lifestyle. It will be a place where you can relax, entertain, and create memories with family and friends.
Sources for this article included: consumerreports.org, foodandwine.com, and thisoldhouse.com.
By Angella Arndt
Great Escapes
The Berkshires
A Place for All Seasons
Nestled in the rolling hills of Western Massachusetts, the Berkshires is a region that blends natural beauty with cultural richness. Known for its scenic landscapes, charming small towns, vibrant cultural arts scene, and fabulous farm-to-table dining, it is a popular fall escape because of its breathtaking foliage. But the Berkshires is so much more than just an autumn destination! Whether you love art, music, nature, hiking, or skiing, this four-season destination offers something for every type of traveler.
Year-round adventures await outdoor enthusiasts in the Berkshires. During warmer months, visitors can hike scenic trails at Mount Greylock, the highest point in Massachusetts; ride bicycles along the Ashuwillticook Rail Trail; or kayak, swim, and fish in one of the region’s many lakes and rivers.
In autumn, the landscape transforms into a kaleidoscope of color as trees adorn the landscape with fiery reds, golden yellows, and brilliant oranges. During winter, the area turns into a snowy escape where visitors can enjoy skiing, snowshoeing, snow tubing, and relaxing by a warm fire after a day outside. No matter the season, the Berkshires offers something to enjoy outdoors.
The Berkshires is home to world-class cultural institutions that attract art and performance lovers year-round. Highlights include The Clark Institute in Williamstown, known for its impressive collection of European and American masterpieces. In North Adams, you’ll find MASS MoCA, one of the country’s most prominent contemporary art museums. It occupies a sprawling 19th-century mill complex and features immersive large-scale installations, rotating exhibits, live performances, and even an on-site brewery. The Norman Rockwell Museum in Stockbridge showcases the world’s largest collection of Rockwell’s work.
Music lovers flock to Tanglewood in Lenox, the summer home of the Boston Symphony Orchestra that draws hundreds of thousands of visitors for its concerts. Year-round programming includes concerts, recitals, and seminars through the Tanglewood Learning Institute. Theatergoers in Lenox can enjoy Shakespeare & Company, a renowned professional troupe that offers summer productions of Shakespeare, along with contemporary and classic plays on both indoor and outdoor stages.
Literature lovers will appreciate the literary history found in the Berkshires. Visitors can tour The Mount in Lenox, the estate of Edith Wharton, who was the first woman to win the Pulitzer Prize for fiction (for The Age of Innocence). In Pittsfield, Herman Melville’s home, Arrowhead, provides a glimpse into his life and the view of Mount Greylock that provided inspiration for Moby-Dick.
Visitors can walk the peaceful trails of the William Cullen Bryant Homestead to see the area that inspired Bryant, an American poet, editor, and publisher of the New York Evening Post for 50 years. The Berkshire Athenaeum in Pittsfield houses special collections of Herman Melville materials, Berkshire authors, local history, and genealogy. These sites allow visitors to step back in time and experience the inspiration behind some of America’s great literary works.
The Berkshires’ farm-to-table dining scene reflects the region’s commitment to sustainable living. With an abundance of farmland, organic growers, and small-scale producers, fresh, locally sourced ingredients are embraced by restaurants throughout the region. Chefs collaborate with nearby farms and producers, creating seasonal menus that change with the harvest and feature items like heirloom vegetables, pasture-raised meats, artisan cheeses, and fresh-baked breads.
Farmers’ markets and food festivals further highlight the area’s agricultural richness while offering visitors a chance to meet the producers and taste their bounty firsthand. Farm-to-table dining is more than a culinary choice. It is a way to experience the essence of the region’s cuisine.
The region is also home to many wineries, distilleries, and craft breweries that celebrate the area’s creative spirit and agricultural roots. Whether it’s a local cider, small-batch gin infused with wild botanicals, or a pint of handcrafted beer brewed with Berkshire-grown hops, each drink highlights an establishment’s story and passion. Many spots offer tasting rooms, live music, and special events that bring people together. From vineyards to taprooms, the beverage scene offers a way to relax and explore the Berkshires one glass at a time.
How do you get to the Berkshires? The region is about a 2.5-hour drive from both Boston and New York City. Nearby airports in Albany and Hartford provide convenient access for out-of-town visitors. Once you arrive, scenic byways and charming small towns make exploring the Berkshires a memorable part of the experience.
Whether you go for the natural beauty, the cultural offerings, or the enjoyment of a locally sourced meal, the Berkshires offers an experience you will remember long after you return home. Each season has its own charm, and it is a place where creativity thrives and community is celebrated. No matter when you visit, the Berkshires always has something special to offer.
Sources for this article included: berkshires.com, berkshires.org, and berkshiresweek.com.
By Angella Arndt
The Green Thumb
The Majestic Sunflower
What a History—What a Bloom!
Sunflowers make me smile—they always have, and they always will. These tall, vibrant beauties are impressive and dignified but also playful and positively cheerful in every way. Their tendency to face the sun represents something that is unwavering but that also seeks the light.
Sunflowers have maintained their popularity all over the world and across the centuries. In some cultures, sunflowers represent a bountiful harvest and provision. Sunflowers are the national flower of both Russia and Ukraine. Ukraine is the world’s largest producer and exporter of sunflower seeds and sunflower oil. The state of Kansas is also known as the sunflower state. Van Gogh featured sunflowers in many of his iconic paintings, and they have a fascinating history.
Sunflowers are believed to have been grown by Native Americans in Arizona and New Mexico in about 3,000 B.C. These ancient peoples found many uses for sunflowers, including eating the seeds and grinding them for flour. They also used them to create dye for textiles and painting. Some parts of the sunflower were used for medicinal purposes. The oil of the seed was used on the skin and hair, and the dried stalk was used as a building material.
An interesting fact that I learned only recently is that in the nuclear aftermath of Hiroshima, Fukushima, and Chernobyl, fields of sunflowers were planted to help absorb toxic metals and radiation from the soil. Sunflowers have the ability to take up high concentrations of toxic materials in their tissues. That is incredible!
Sunflowers are easy to grow; even if you are a novice gardener, you will be delighted at the outcome. In order to grow sunflowers successfully, you will need a sunny spot with well-drained soil. They will thrive in full sun, and they will require regular watering to keep the soil moist. Sunflowers come in many sizes and varieties, so you can choose what best fits in your garden. Sunflowers add such a great pop of color, and they also create a positive and uplifting atmosphere.
The language of flowers (floriography) was popular in Britain during the Victorian era, when people used the symbolism of flowers to send each other messages. At that time, a small sunflower expressed adoration, and a tall sunflower meant false riches.
Today, the symbolic meaning of sunflowers makes them a popular choice for celebrations like weddings and birthdays. In weddings, sunflowers are often used to symbolize a couple’s enduring love and commitment. The fact that their bright and joyful appearance adds so much to the positivity of a wedding celebration can surely be appreciated by all. Sunflowers are often seen in fall-themed decorations that symbolize a bountiful harvest and the abundance that nature gives us.
If you want a burst of sunshine in your garden that never disappoints, there are some interesting sunflowers you might want to plant. One of my favorites is the Teddy Bear sunflower. This high-performing annual has fluffy, double golden-yellow flowers that resemble pompoms. The blooms can be up to five inches wide. They are absolutely wonderful as a cut flower for arrangements and are great for sunny borders.
Ring of Fire is another striking sunflower variety. It has a unique pattern of fiery red and gold petals surrounding a dark center. It is also a pollinator magnet. Gypsy Charmer is a delightful, vibrant, multicolored variety that has blossoms six to eight inches across. Its mixture of brilliant yellow, rosy-red, and lemon-yellow petals is spectacular. It will create a rainbow of color in your garden or border.
Claret is a very impressive flower and a great performer. It grows rapidly and has a well-branched structure. Its red-wine flowers encircle a nearly black center, adding a real touch of elegance to any garden. Strawberry Blonde is a fast-growing variety whose unique multicolored blossoms combine lemon, rose, and pink hues and can reach up to six inches wide.
Velvet Queen boasts deep maroon-red petals and chocolate-brown centers. The stalk can reach up to five or six feet in height, and the blooms attract bees, butterflies, and birds. It is also drought-tolerant. Evening Sun has sunset-like blossoms. It has large (up to 10 inches) flowers that feature petals in warm copper to mahogany and a dark chocolate center. Last, but not least, the Mammoth Grey Stripe is a giant sunflower variety with enormous flowers and very impressive heights. It has gorgeous golden-yellow petals encircling a dark chocolate center.
Sunflowers are annuals, but they have been known to re-seed themselves. Leave the spent blooms on the stalks for birds and other wildlife to eat, and you and your neighbors may end up with volunteer sunflowers next year!
Sources for this article included: appleyardflowers.com, americanmeadows.com, and britannica.com.
By Linda Sutherland
Cuddly Critters
Protections for Your Pet’s Health
Immunizations for a Healthy Life
Becoming a pet owner means taking on the responsibility of keeping our pets healthy. Our pets need us to protect them from the dangers of viruses, bacterial infections, and other pests. The best protection against many of these threats is immunization, and the source for immunizations is your pet’s veterinarian.
Your first role in keeping your pet healthy is to find a vet that both you and your pet like and trust. Pets with different lifestyles and who live in different areas may need protection from different threats. Your vet can help you decide what vaccines are best for your pet and tell you which ones are required by law in your state or municipality.
All dogs and cats should get core vaccines. Your vet can share with you the proper schedule for your pet’s vaccines, but you should generally expect to begin vaccinating when your pet is six to eight weeks old. Annual boosters are often required.
For dogs, core vaccinations include rabies, distemper, parvovirus, and hepatitis. Rabies is a deadly disease of the nervous system, spread most often through the bite of an infected animal. Once symptoms appear, it is almost certainly fatal. Canine distemper is a viral disease that affects a dog’s respiratory, gastrointestinal, and nervous systems. Parvovirus is an easily transmittable GI disease. Hepatitis, as in humans, affects the liver, kidneys, and other vital organs.
Core vaccines for cats include rabies, calicivirus, feline herpesvirus, and panleukopenia virus. Calicivirus causes upper respiratory infections and oral disease. Feline herpesvirus brings respiratory infections and conjunctivitis. Feline panleukopenia (also called feline distemper) is highly contagious among cats, spreading through urine, stool, nasal secretions, or even fleas. It was once a leading cause of death in cats, but vaccines have made this disease much less prevalent.
In areas where Lyme disease and Leptospirosis are common, preventive measures are necessary to protect against these diseases. As the population increases in metro areas, these two diseases are spreading. Lyme disease, which is spread by ticks, is most common in the northeast, mid-Atlantic, and upper midwestern states. Leptospirosis is most common in moist, tropical climates. It is also common after floods or hurricanes. The decision to administer these vaccines is made based on the ubiquity of the disease in your area and how much time your pet spends outdoors. Your vet will discuss your pet’s lifestyle with you to determine these risks.
While state laws may vary, cats without a vaccination history should generally receive the full series of shots. Most veterinarians recommend booster vaccines every one to three years to keeps pets and owners safe and healthy. This goes for indoor animals, too. Just because your cat or dog doesn’t go outside much doesn’t mean they can’t escape! Even if you take your pet on a leashed walk, they are potentially exposed to the germs of any animals (or animal waste) they encounter. That includes wild animals as well as other people’s pets.
Because they have frequent contact with humans, horses need vaccinations for rabies and tetanus. Show horses need protection because they are with other horses. Large animal vets usually administer these shots. Check with your stable for requirements and veterinary recommendations.
Some states now require shots for animals in petting zoos—a good idea that is not yet universal. Remember: vaccines help keep both animals and humans safe. Your family, your pets, your neighbors, and your neighbors’ pets all deserve the protection of veterinary vaccines.
What can happen if your pet is not vaccinated? Suppose your cat or your dog nips a neighbor’s child. This could result in a period of quarantine for your pet, a series of painful shots for the child, and a lawsuit for you. No thanks!
Several years ago, my neighbor faced this very situation. His dog was playing in its own fenced yard. A neighbor’s child stood at the fence, poking at the dog with a stick. The dog nipped at the stick, and the child, probably thinking this was a fun game, kept poking. Eventually, the dog nipped a fingertip. The dog was taken by officials, and the child endured a painful and expensive treatment. When the lawsuit was settled, my neighbor had to pay for the dog’s incarceration, for the child’s medical treatment, and for emotional damages. It was so much more trouble and expense than a simple annual vaccination!
You and your vet are a team, working together to keep your pets healthy. Vaccines are just another part of the team!
Sources for this article included: aavmc.org, petmed.com, and avma.org.
By Jackie Byers
Positive Perspective
It’s a Circus Out There!
Who’s In Charge?
“Not my circus; not my monkeys.” —Anonymous
I remember the first time I heard this saying. My daughter, Carissa, and I were having a conversation about a mutual acquaintance. After a very short time, my daughter piped up with this brilliant sentence. The image that those words created in my mind was perfect. Monkeys running around, yelling, messing with all the other monkeys, creating complete havoc at their circus. I immediately got it. I simply didn’t want to go there.
“Keep your attention focused entirely on what is truly your own concern, and be clear that what belongs to others is their business and none of yours.” —Epictetus
If you’re anything like me, you may occasionally find yourself analyzing and judging others—family, friends, even strangers. When we do this, we are claiming their circus as our own. For me, it sometimes just comes out of nowhere. Before I know what has happened, I have gone down that rabbit hole and I am digging deeper and deeper into negativity. Absolutely no good can come of this. None.
“I don’t know how people get so anti-something. Just mind your own business, take care of your own affairs, and don’t worry about other people so much.” —Betty White
The great thing about “not my circus; not my monkeys,” is that it very quickly puts the brakes on the conversation. The image makes us laugh and immediately pushes us in the right direction. The direction of positivity. The direction of being better. The direction of minding our own business!
“Minding your own business is a full-time job. Stay employed!” —Anonymous
I have come to the conclusion that learning to run our own business, our own lives, is something that we begin practicing with maturity. When we were high schoolers, young adults, in our thirties…it was kind of fun to play around with other people’s circuses. Other people’s drama. It was exciting. It made us feel as if we were “in the know.” Now? Let them deal with their own drama in their own circus.
“Everyone has the right to live their own life. Let others do whatever they want with theirs and follow your path to get the life you’ve always wanted.” —Anonymous
When we let others deal with their own circus, it frees us up to deal with our own circuses. Let’s face it…sometimes it is our circus…and they are our monkeys. But hey—that’s okay! We love them! Be the circus master of your own life. Not theirs!
By Janet Van deWalle
