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mailNewsletter 54 | October 2017 | Archives | Services






Oct Dates to Remetablet

October 5th - World Teacher Day - Teachers deserve a little recognition, and some thanks and appreciation.  Aside from parents and direct family, who else has as much influence on the hearts and minds of a child ... your child?  Teachers not only educate, but they help to shape and frame your child's beliefs, values, and behaviors.  Parents and students are encouraged to offer thanks and recognition today.

October 11th - Emergency Nurses Day - Salutes the dedication and commitment of emergency nursing professionals, who bring care, comfort, and compassion to patients.  Emergency room nurses see it all.  And often, it is not good.  Yet, they return to work, knowing they make a difference to sick, injured and sometimes dying people that enter the ER each and every day.

October 13th - Friday the 13th, are you superstitious?  Whatever you do, don't walk under a ladder, and don't let a black cat cross your path on this day.  Like any other special or wacky day, we encourage you to fully embrace the day and have fun with it.  Don't cower in your room in fear, you will miss all the fun and excitment!

October 16th - Boss' Day - Now here is a day that gives you a chance to both show and tell the boss what you really think of him or her.  And, it is an opportunity to give you boss the appreciation that he or she truly deserves.  


Quote of the Month:

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·         Tax Tips from the IRS

Tax Tips from the IRS

This is the time of year when many people make charitable contributions to organizations they support. The following IRS guidelines can help ensure your donations to eligible organizations qualify for a tax deduction:

    • Taxpayers must itemize deductions to claim a donation.1
    • For monetary donations, retain a bank record or receipt with the date, amount and name of the recipient organization for your records.2
    • Receipts (from the charity, if possible) for non-cash gifts must include a reasonably detailed description of the item(s), date contributed and name of the charity, as well as the fair market value of the donation and the method used to determine that value. Additional rules apply for a contribution worth $250 or more.3
    • Some travel expenses, such as lodging and transportation, associated with performing services for a qualified charity may be tax-deductible.4
    • In general, taxpayers may deduct up to 50 percent of adjusted gross income, but in some situations, the deduction may be limited to 20 percent or 30 percent of adjusted gross income.5

As you consider gifts this holiday season, remember that charitable donations offer advantages for both donors and receivers. If you have questions about your charitable donations and whether they are tax deductible, we will be happy to refer you to a qualified tax professional.

This information is not intended to provide tax advice. Be sure to speak with your CPA concerning your unique situation.

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·         Lessons of Youth

Lessons of Youth

Remember your first apartment? As young adults, many of us may have used milk crates as bookshelves, turned wood pallets into a coffee table and picked up odds and ends at yard sales. Walls were bare — and often cupboards — but living with less offered more freedom with fewer possessions to clean, fix and insure. Many of us remember those days fondly, not because we struggled financially but because we were happy nonetheless.

In many ways, a happy retirement can emulate some of those characteristics of our youth. One way to help recapture that lifestyle is to downsize. This doesn’t necessarily mean you need to consider selling your home for a smaller one. It’s possible to downsize possessions — things you never use anymore, closet clutter, spare kitchenware, pictures on the walls that your children might appreciate now more than you.

You can try giving up other things that cost you money but that you don’t use: magazine subscriptions you never read; a gym membership you don’t use; a country club affiliation that you stopped enjoying years ago. Again, downsizing doesn’t have to mean getting rid of those things entirely. Go to the public library to read your fill of magazines and newspapers. Check out your local parks and recreation department to see what classes, tennis courts, pools and golf courses are available.

How many times have you forgone an interest because you were involved in too many other things? Now’s the time you can swap out the old and try something new. It may help keep you feeling young.

We can all find ways to cut back expenses and simplify our lives, but it’s important that you don’t regard it as depriving yourself. Downsizing is a way to reach back in time to your 22-year-old self: less stuff, more lifestyle.

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·         Loss Comes in Many Forms

Loss Comes in Many Forms

Loss comes in many forms: Our children grow up and move out, friends retire and move away and loved ones pass on. The longer each of us lives, the more people we may lose in our lifetime. It’s also possible that one reason the “graying divorce” rate has increased in recent years is because longer life expectancies offer the potential to build a new life after divorce.

We lose other things, like our keys and maybe our short-term memory. We may lose our good health or even our teeth. We lose a little bit of our nest egg gradually as we withdraw it as income during retirement.

However, loss is not unique to retirees. We experience losses throughout life and generally find ways to cope and move on. Growing older is no different. You’ve probably heard the adage that you can’t control all the things that happen in life -- only your response to them. So instead of focusing on the things you lose as you age, perhaps respond by embracing the things you gain.

These things may include your home and your family. Wisdom and knowledge. An understanding of what’s truly important to you in life. Decades of wonderful moments and memories.

Loss is an inherent and inevitable part of life. But life is just that: living. You get another day; another opportunity to live. Dealing with loss is important, but its purpose is to help you move on and embrace what each new day can bring.

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·         The Science of Worrying

The Science of Worrying

Worrying; it’s part of being human. Retirees might be concerned about running out of income, poor health or how the world has changed and what that means for their grandchildren. Parents might worry about everything from money and work to family, health and nutrition. The problem is, the more we worry, the less we are able to focus on other things.

According to psychologist Sian Beilock, worrying is a task in itself. For instance, if we worry while driving the car, we are technically multi-tasking.1 A potential problem with multi-tasking is that we may become a jack of all trades and a master of none. If we don’t learn to improve our focus, it can impact the goals we wish to achieve. 

According to Beilock, we can’t write, or speak in public or even fully concentrate on what other people are saying if we’re worried about something else. To help alleviate this negative impact of worrying, she suggests writing down your worries before you take on another task. One study Beilock performed showed students who wrote down their worries for 10 minutes before taking a test scored higher than those who didn’t -- even if their worries were simply about the taking the test.2

Writing can lead to a sense of catharsis, liberating the canvas of our mind so we can concentrate on other things. And frankly, any activity that can help alleviate our worries may be worth giving a try.

 1 Melissa Dahl. New York Magazine. Feb. 6, 2017. “Worrying Is ‘Like Doing Two Things at Once’.” Accessed Aug. 10, 2017.

2 Ibid.

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oct muffin pictablet


Pumpkin Streusel Muffin Recipe

Description: Sweet and tasty, your family will love this for breakfast, dinner, and anywhere in between. After you try this, you will bookmark it as one of your favorite pumpkin muffin recipes.


1/2 cup Pumpkin Puree

1/2 cup Milk

1/3 cup Vegetable oil

1 Egg, beaten

1 3/4 cups All Purpose Flour

1/2 cup Sugar

3 tsp. Baking Soda

1 tsp. Cinnamon

1/2 tsp. Nutmeg

1/2 tsp. Salt

3 oz. Creamed Cheese


1/4 cup Brown Sugar

1/2 tsp. Cinnamon

1/ Tbsp. Butter or Margarine

1/3 cup Chopped Walnuts

Preparation Directions:

Pre-heat oven to 400 degrees.

In a bowl, combine egg, milk, pumpkin and oil, mixing well.

Blend in flour, baking powder, sugar, and spices.

Mix until batter is still a little lumpy.

Put paper muffin cups into a 12 cup muffin pan.

Pour batter into muffin cups, 1/2 full.

Cut cream cheese into 12 pieces and place on top of muffins.

Add remaining batter into the muffin cups to about 3/4 full.

Combine streusel topping ingredients, mixing well.

Sprinkle topping over muffins.

Bake for 18-22 min., until golden brown.

Serve warm.




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