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NOVEMBER 21 2013

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TRI-STATE MEDIA

COMMUNITY SERVICE

Community Calendar

WESTCHESTER EDITION

By R. Moore

Seeking Host Families Since 1952, International Fellowship, Inc. a non-profit organization has been successfully exchanging students to & from the U.S. Families in this area are invited to reach across the boarders & host a high school aged exchange student for the semester or the academic year. The students come with their own spending money and are covered by health/accident insurance. All that is required of a host family is to provide room, board, laundry facilities & some tender loving care. Host families can be married, single, have kids, no kids- even grandparents can apply. Visit their website for information at www.internationalfellowship.org, write to International Fellowship, Inc., P.O. Box 130, Westfield, New York 14787, email infelwes@gmail.com, or call 1-800-647-8839.

Holiday Bazaar

914-433-3333 BETTER PRICES BUENOS PRECIOS

BETTER SERVICE BUENOS SERVICIOS

Sat, Nov 23 10am-4pm & Sun Nov 24, noon - 3pm Holiday Bazaar presented by Yonkers League/ WARC at Sheib Training Center, 567 Yonkers Ave. Bargains Galore! New Merchandise, Holiday Items, Raffle Prizes & refreshments.

Fundraiser Fri Nov 29 through thru Sat, Dec 21 (Thursdays, Fridays, Saturdays & Sundays only) Thurs & Fri: 4-8pm; Sat & Sun:9am-9pm. The North White Plains Fire Company #1 will be hosting its Annual Christmas Tree Sale 621 North Broadway, North White Plains. For addtional information call 914-949-3575 or ncsfd1@optonline.net.

Fund Raiser

WE WANT YOU ON OUR TEAM Inside and Outside Sales Positions!

Fri, Nov 29, 2-5pm A Thanksgiving Honoring the Earth Sierra Club Lower Hudson Group takes time out from its activist role to remember & honor the Earth’s beauty & bounty that calls them to action. Invited speakers will share the stories of Earth-honoring traditions of indigenous Peoples of the North American Plains & Peru. Participants will be invited to be a part of the ancient Despacho ceremony creating an offering for the Earth & share their stories of blessings & gratitude for Mother Earth. $50 in advance; $60 at the door. Doors open at 1:30. Refreshment will be served. 4455 Purchase St. For information call 914-6812167

Flea Market Sat, Dec 7, 10am-3pm The Community Church at the Circle will be holding a Flea Market at 7 East Lincoln Ave, Mt. Vernon. Admission is free & plenty of parking is available. Event is indoors. Vendor tables rent for $25. There will be a wide selection of new & used household items, crafts, jewelry, cosmetics & clothing. For more information call 914668-8989.

Information Session

We are searching for energetic, self-motivated, ambitious professionals to join our sales team! Enjoy the challenging and rewarding career of selling advertising to local businesses, restaurants and professionals. If you have what it takes to think big and take the initiative to develop your own career in advertising sales then you should be on our team. Base salary $25-45K, plus uncapped commission on all sales, generous bonus programs. Must have car, positions available in our Pelham or New City offices. CALL OR EMAIL STACIE TO SET UP AN IMMEDIATE INTERVIEW

914-592-5222 x292 • 845-627-3600 Publishers of Pennysaver, Shoppers Guide and Essentials Magazine

jobs@nysaver.com

Mon, Dec 9 from 6:30-8pm. Adoption: Everything You Need To Know, Forever Families Through Adoption will hold a free event, open to anyone interested in or involved with the adoption process, including professionals, community members, expectant parents, adoptive or prospective adoptive parents & adoptees. Learn about the domestic & internationa adoption process. Port Chester-Rye Brook Public Library, 1 Haseco Ave. For information call, 914-9391180.

Volunteers Needed The American Legion Dept. of New York, Pelham Post 50 is looking for Veterans to help Veterans and the Community. If you are a veteran and would like to join the American Legion, please get in touch with Harry Engstrom, Commander Pelham Post 50, P.O. Box 8293, Pelham, NY 10803 or call, 914-649-8537.

Submit your group’s event for publication to: communitynews@nysaver.com or mail to: Tri-State Media, 510 5th Avenue, Pelham, NY 10803. Fax: 914-220-4949 Please submit at least 2 weeks in advance of event.


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1. Massages 5. Automaton 10. The side that goes last 14. Lowest female voice 15. Roar of acclaim 16. Tennis’ Kournikova 17. Canute (alt. sp.) 18. Blind gut 19. Insures bank’s depositors 20. Cathode (abbr.) 21. Appendage 22. Of I 23. The reciprocal of cosine 27. Rubs away 30. Bravo! 31. Crash into 32. Radioactivity units 35. Dynasty’s “J.R.” 38. Components specified individually 42. Facial skin disease 43. The Peach State 44. Exist 45. Precipitation 46. Mazzard 47. Earthy pigment color 49. Hail (nautical) 50. Back 52. Deviating from the familiar 54. Inveighed 56. Within reach 59. Blood group 60. Howl 63. Farm state 64. Aba ____ Honeymoon 67. Seizure 69. College army 71. Graphic symbol 72. Intense trepidation 73. Of an ode 74. Capital of Shaanxi Province 75. Acid + alcohol - water 76. Flat tableland

1. Display stands 2. Forearm bones 3. British thermal unit 4. Drunkard 5. Corpuscle count (abbr.) 6. Pitcher Hershiser 7. Rod-shaped bacterium 8. Egg 9. Dancing With the Stars host 10. British Air Force 11. Opposite of beginning 12. Zanzibar Copal 13. Running contests 24. Arms factory 25. Sodium 26. Current Margulies show 28. Ancient Egyptian sun god 29. Former Hess Corp. name 32. Scrap of cloth 33. Highest card 34. Double helix nucleic acid 36. WW2 female corps 37. One point E of due N 39. Express pleasure 40. Data executive 41. Honey (abbr.) 48. One’s usual environment 51. Edison’s company 53. Delaware 54. Base of a system of numbers 55. Ancient computing devices 57. African adder genus 58. Podocarpus coriaceus 61. Plural of 33 down 62. An enticement 65. Tropical constrictor 66. “Birdie” star ___-Margaret 68. Sirius Satellite Radio (abbr.) 69. Memory hardware 70. Lyric poem

TRI-STATE MEDIA’S

CROSSWORD FUN

For answers to this puzzle, look in this issue. Crossword puzzles provided by BestCrosswords.com (http/p//www.bestcrosswords.com). Used with permission

301281

ACROSS


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For the Week of November 15, 2012 November 21, 2012

ARIES – Mar 21/Apr 20

SCORPIO – Oct 24/Nov 22

Aries, while there’s much about a situation that you don’t understand, you will quickly be filled in on all the details you need to know to get the job done.

Certain challenges may be tough to conquer, Scorpio. But with the right help you can get the job done. Gemini may be your shining light this week.

TAURUS – Apr 21/May 21

SAGITTARIUS – Nov 23/Dec 21

Taurus, confrontation will get you nowhere. It is better to avoid any troublesome parties and simply go on with your days. No need to put monkey wrenches in the plans.

GEMINI – May 22/Jun 21 Take some time to reflect on what you need to get done, Gemini. Things are about to get more hectic, and it will help to know what is on your schedule in the coming days.

CANCER – Jun 22/Jul 22 There is no need to put off romantic endeavors, Cancer. Make time to further relationships, and you will be happier for having made the additional effort.

LEO – Jul 23/Aug 23 Leo, a casual encounter with an old friend goes by like no time has elapsed at all. Agree to keep in touch and spend more time together going forward.

VIRGO – Aug 24/Sept 22 Virgo, there are too many messes to clean up, so instead of digging in you may just decide to procrastinate a little longer. Just be sure to make up the time later on.

LIBRA – Sept 23/Oct 23 You may find that things that are beneficial for others may not always be beneficial for you, Libra. But often you have to make sacrifices for the benefit of the entire group.

There is no point in speculating about your finances, Sagittarius. Keep track of your deposits and withdrawals so you have a handle on all accounts.

CAPRICORN – Dec 22/Jan 20 Now is not the time to leap without looking, Capricorn. You have to be cautious with your choices and actions this time of the month. Don’t make waves so close to the holidays.

AQUARIUS – Jan 21/Feb 18 Aquarius, although you do plenty, someone around the house could really use some more assistance from you. It may take some juggling of your schedule to accomplish.

PISCES – Feb 19/Mar 20 Usually your outpouring of creative juices is unstoppable, Pisces. This week you could have a little trouble thinking up new ideas.

Born This Week NOV. 22: Scarlett Johansson, Actress (28) NOV. 23: Nicole “Snooki” Polizzi, Reality Star (25)

NOV. 24: Colin Hanks, Actor (35) NOV. 25: Christina Applegate, Actress (41) NOV. 26: Tina Turner, Singer (73) NOV. 27: Sharlto Copley, Actor (39) NOV. 28: Judd Nelson, Actor (53)


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Fascinating Facts About Humans And Animals (NAPSA)—If yours is like most households in the United States, you have at least one pet. That’s a good thing, considering that people who understand health care have discovered something interesting about animals—they can help improve your health. How Pets Help Your Health According to Dr. Heather Douglas, DVM, St. George’s University/School of Veterinary Medicine, ’06, pets can be good for you in four ways. They can decrease your: •Blood pressure •Cholesterol levels •Triglyceride levels •Feelings of loneliness. The CDC goes on to say that pets can increase your: •Opportunities for exercise and outdoor activities •Opportunities for socialization. Adds Dr. Douglas, it’s a good idea to include your dog in your exercise regimen. Whether it’s running, walking or even yoga (which dogs seem to enjoy), start slowly and gradually build up tolerance to avoid injury to either of you. One day a week of yoga practice can improve your flexibility, strength, balance and focus. “Based on a study by Glenn N. Levine and others published in the Circulation journal of the American Heart Association,” she says, “there is an association between pet ownership (primarily cat or dog) and lower blood pressure. It was also found that dog owners, who are more likely to exercise with their pet, may have a reduced risk of obesity. Dog ownership is also associated with decreased cardiovascular risk and may have some role in reducing cardiovascular disease. “The human-animal bond is an amazing phenomenon that offers health benefits to both the person and pet. Incorporating man’s best friend into a workout regime can add fun to exercise, while improving the health of both the human and animal involved.”

H av i n g p e t s i s g o o d fo r yo u r health, doctors say. Furthermore, according to a study by the Stroke Institute of Minnesota, owning a cat can dramatically reduce your chances of dying from heart disease by 30 percent. The researchers suspect a dog study would provide similar results. A Smart Place To Study These Ideas One place where the study of the interaction between humans and animals is at the forefront is St. George’s University, a fully accredited center of international medical and veterinary education on the island of Grenada in the Caribbean. There, faculty from 140 countries and students from around the world are looking into how learning about the health of humans and animals can be related. At St. George’s, the Schools of Medicine and Veterinary Medicine, the Department of Public Health and Preventive Medicine a n d t h e Wi n d w a r d I s l a n d s Research and Education Foundation provide a collaboration of expertise to support the concept of “One Health, One Medicine” and to take students from residency to fellowship training to employment. It’s all part of the university’s global approach to medicine. Learn More If you are interested in a career in medicine, veterinary medicine or public health, visit www.sgu. edu/future-students.


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Hints To Help You Win At Losing (NAPSA)—If you’ve long thought you have a fat chance of staying slim, a new plan and product can be good news for you. Fat Loss Facts The plan, created by Dr. Charles Livingston, is not a diet but a healthy weight lifestyle that’s a lot easier to stick to than you may think. There’s a very high success rate and you lose the weight incredibly fast. There’s even a money-back guarantee. Called the Fat Loss Factor, it offers seven ways to burn fat, fast: 1. Police your kitchen. Get rid of everything that’s loaded with sugar and you’ll avoid a lot of the pitfalls that keep many people from achieving their goals. 2. Cut out that low-intensity cardio. End your useless routines and move toward some bursts of intense training followed by recovery paces to boost the rate at which your body burns fat. 3. Equip yourself at home to do some exercise. Get a balance ball, a weight bench and some dumbbells so you can do some work while you’re away from the gym. 4. Be careful about your eating. Schedule your grocery trips, and plan what you’re going to eat and when. Then be very selective at the store to get the most natural, nutritious foods you can. 5. Make a third of your diet raw fruits and veggies. They contain loads of antioxidants, minerals, vitamins, digestive enzymes and fiber to clean your digestive tract and pull out unwanted toxins. Grabbing celery sticks, an apple, an orange, carrot sticks and so on is a fast and easy way to snack. Basically, the closer it is to nature, the better it’s likely to be for you and your waistline. 6. Eat only when you’re hungry. Just because it’s lunchtime

Healthy weight loss can be simpler than it seems with the p ro p e r l i f e s t y l e a n d h e l p f u l dietary supplements. doesn’t mean you have to eat. Maybe your body can use a break from digestion. In fact, occasional fasting is a healthy practice for most people. Just don’t get carried away with this and do things such as skipping breakfast every day. To save time in the morning or at any time, try a quick superfood drink such as a protein smoothie. 7. Try a dietary supplement such as an advanced digestive enzyme complex. It’s a comprehensive blend of 16 unique digestive enzymes whose key ingredients have been shown to help your body fully break down and absorb the nutrients contained in any and every food you eat. Just take one single capsule at the start of each meal for enhanced absorption of health-promoting, age-defying and diseasefighting vitamins, minerals, phytochemicals and antioxidants from all foods. Learn More For further facts about fat loss, go to www.LowFat123.com.


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Make Memories To Share For A Lifetime (NAPSA)—The trend toward a “sharing economy” is growing. Shareable programs from designer dress rentals to music files to bike shares offer consumers a chance to sample something at a lower cost and at their leisure, without having to buy it. Sharing The Fun One of the first and most popular examples of collective consumption is vacation ownership, which came about five decades ago with the development of the world’s first timeshare resort in Switzerland. It’s a way for vacation time and accommodations to be shared among several individuals. Today, there is even more sharing and flexibility within vacation ownership thanks to vacation exchange companies like RCI, the global leader in vacation exchange with more than 4,000 affiliated resorts, which allow owners to swap time at one resort for a stay at another. The Benefits This type of collaborative vacation lifestyle can provide a range of benefits: 1. Save Money: Ownership at a timeshare resort rather than owning a vacation property individually can be very cost effective over a lifetime. Because man timeshare resorts come fully furnished and include multiple bedrooms, a dining and living room, a full kitchen, a washer and dryer and other lavish amenities, you can save a lot of the money you’d otherwise spend on decor, furnishings and other expenses. 2. Go Green: Investing in shared accommodations can help minimize wear and tear on the

By owning a timeshare, you can enjoy many of the pleasures of a vacation home with a lot more freedom. environment as well as lessen your long-term carbon footprint. Additionally, many timeshare resorts follow green practices that can further reduce the use of resources, including recycling and paper conservation services, motion detectors and energy-efficient lightbulbs, and native plants in landscaping. 3. Experience More: For many, one of the greatest things about a timeshare is the convenience, luxury and affordability of a vacation experience at a fraction of the cost and without the personal burdens of maintaining an investment. With timeshare exchange, you’re not locked into one vacation experience but can swap out your vacation experience for a new one whenever you like. Learn More Those considering timeshare can learn more at www.vacation better.org or can check out sites like EndlessVacationRentals.com that allow travelers to sample timeshare firsthand by booking stays at available resort accommodations around the world.


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App Helps To Make The Right Call On Laundry (NAPSA)— Whether you are getting the kids’ clothes ready for school or putting your outfit together for a fashionable event, there’s good news—a new smartphone app can make your laundry life easier. That’s the word from Whirlpool, the leading maker of home appliances. The new WashSquad laundry app from Whirlpool brand is designed to help by: •Lightening your laundry load by assigning tasks to different members of your family •Providing expert advice on how to treat tricky stains with the help of the WashSquad Stain Eraser •Offering tips on how to care for your garment specific to the fabric with the Fabric Care Solution •Tracking and rewarding your family’s laundry accomplishments with the WashSquad Wash Board •Getting custom laundry appliance guides tailored to your Whirlpool washer and dryer. “Now, with the help of our new and innovative WashSquad app, stain solving is simple and expert advice is available at your fingertips to help with any laundry woes,” said Mary Zeitler, fabric care expert and Lead Consumer Scientist with the Institute of Home Science. Helpful Tips To make laundry day even easier, Whirlpool offers these tips on handling delicate fabrics and stains this season: •For washable embellished items, consult your fabric care label first, then wash on the Delicate or Handwash cycle with cold water temperature selected and low spin speed. Remove the item from the washer and lay flat to dry on a clean towel, taking care not to stretch the fabric. Adjust the embellishments as needed to reorient them to their original position or shape. •With wine stains, it’s important to react quickly. Once the stain dries, it will be more difficult

A new app for smartphones and computers is designed to help lighten the load on laundry day. to remove. First, check the care label to be sure the item is machine washable. Rinse the stain well in running water to dilute it. If you cannot wash the garment while it is still wet, soak it in cool water with a bit of detergent until it can go into the washer. Wash the garment on the warmest temperature safe for the fabric. Remove the garment from the washer and allow it to air-dry if the stain appears to be removed. If the stain remains, repeat the process using a color-safe bleach. Fashion-Forward Fabric Care Not only creating innovative technology to streamline the fashion fabric care process, Whirlpool recently co-sponsored Strut, The Fashionable Mom Show during New York’s Mercedes-Benz Fashion Week. As part of the show, each model “strutted” on behalf of a charity. Two Whirlpool ambassadors modeled on behalf of Whirlpool Corporation’s charity, Habitat for Humanity To download the free WashSquad laundry app, go to iTunes or www.whirlpool.com/washsquad. To learn more about the app and the brand, visit www.whirlpool.com.


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Keeping Connected In The Car (NAPSA)—To help you stay in the know while on the go, today’s cars are equipped with all kinds of clever ways to keep you, the driver, informed and connected—and, more important, doing so in a much safer way. If your car isn’t already equipped to keep you connected, it’s actually easy to add a device that will transform your car into a “connected car.” For example, one of the most smartphone-friendly options for the car today is the latest smartphonepowered in-dash receiver, AppRadio 3, which replaces your current car stereo, and through the free AppRadio app (available in the A p p l e i Tu n e s A p p S t o r e a n d Google Play Store) control dozens of compatible apps ranging from entertainment to navigation. Using similar touch and motion gestures that you’re already accustomed to with your smartphone, you can more safely access these features on a high-resolution, 7-inch capacitive touchscreen. For additional safety and convenience, the receiver offers a variety of other important in-vehicle technologies: •iPhone and Android OS connectivity—The receiver offers connectivity with the most popular smartphones, on both iOS and Android operating systems. Most iPhones, including iPhone 5, and dozens of Android devices are compatible, enabling drivers to simply plug in and go. •Bluetooth—With built-in Bluetooth technology, you have the freedom to leave your phone in your pocket or purse and have the ability to make hands-free calls and stream music wirelessly without having to plug in your phone. You’ll have the added convenience of controlling music coming from the device directly on the large touchscreen display of the in-dash receiver. •MirrorLink—Formed by the Car Connectivity Consortium, MirrorLink lets users connect compatible smartphones to an in-dash receiver like AppRadio 3 via an optional MirrorLink cable, to access the three essentials needed in the

Your car can be connected so you can communicate efficiently and more safely. car—contacts, music and navigation apps. •Voice Control—The convenience of voice control helps to keep attention and eyes on the road, where they need to be, and not on a phone. The receiver offers two voice technology options to do that: •Siri Eyes Free—For consumers who use an iPhone 4S or the latest iPhone 5. When activated, the Siri voice prompt plays through the vehicle’s speakers, and questions and commands are received and transmitted using the included microphone. This gives you access to perform many iPhone functions, including music selection, listening to and composing text messages, maps, calendar information, reminders and more. •Voice Recognition for Android—Consumers with compatible voice-enabled Android smartphones can use Google Voice for hands-free calling and finding and playing stored music on the device. AppRadio 3 (SPH-DA210) also includes playback of conventional media with a CD/DVD slot and an AM/FM tuner. It was developed by the experts of in-vehicle entertainment, Pioneer Electronics, and provides rich and powerful sound quality for an enhanced driving experience. For more information, visit www.pioneerelectronics.com, or to see a video of how AppRadio 3 works, visit www.appradioknows. com. You can also keep in touch with Pioneer by visiting Facebook.com/ PioneerNorthAmerica, Youtube. com/Pioneerelectronics and Twit ter.com/PioneerUSA.


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Experts Say Cooking With Kids Can Benefit Food Choices (NAPSA)—For many parents of young children, introducing healthy foods can be a struggle. A recent national survey reported that parents believe that the media has a negative influence on their children’s eating habits.* The Pampered Chef®, in partnership with the Family Resiliency Center, has found that cooking together helps create family traditions and teaches children to make healthier selections. “Involving children in the mealtime process can have a positive impact on their food choices,” explains Dr. Barbara Fiese, Professor and Director of the Family Resiliency Center at the University of Illinois. “Children who learn cooking skills and help with grocery shopping are more likely to enjoy nutritious foods, like fruits and vegetables.” The Pampered Chef, the largest direct seller of kitchen tools, is committed to helping these families come together around the table each night. Through its partnership with the Family Resiliency Center, they have developed tips that make it easier to include kids in the mealtime process. •Reduce screen time. Cut down on children’s exposure to food advertising by limiting screen time, including game and entertainment websites that promote unhealthy foods. •Start the conversation. Talk to children before and during grocery shopping about what are healthy foods and why you are buying them. Help older children read and understand food labels. •Involve everyone. Kids as young as 2 can help with mealtime preparations, such as cleaning counters and tables and helping with napkins and utensils. Older children can mix and measure ingredients and read recipes. •Make it fun. Use your time in the kitchen together to talk about how foods look, smell and feel. Children learn best when they can utilize all their senses. •Create memories. Share family stories about learning to cook, while spending time together in the kitchen. • Make mealtimes that are quick, simple and affordable. Try this family-friendly recipe for

Introduce new flavors and vegetables with a healthy stir-fry, like healthy Korean BBQ Pork with Crunchy Wontons. Korean BBQ Pork with Crunchy Wontons, which replaces rice with crisp wontons made in the microwave: Korean BBQ Pork with Crunchy Wontons Ingredients: 16 square wonton wrappers (3 in./7.5 cm) 1 jalapeño pepper, seeded 2 medium carrots, peeled 1 large red bell pepper 1 medium onion 1 pork tenderloin (about 1 lb/450 g), trimmed 3 garlic cloves 1½ Tbsp (22 mL) canola oil, divided 1 cup (250 mL) snow peas, trimmed 3 green onions, cut into 1½in. (4-cm) pieces ½ cup (125 mL) Korean BBQ Sauce ¼ cup (50 mL) apple jelly Additional sliced green onion for garnish (optional) 1. Stack wontons and cut them into ¼-in. (6-mm) strips with Chef ’s Knife. Separate strips and place in Small Ridged Baker. Lightly spray them with canola oil using Kitchen Spritzer and toss to coat. 2. Microwave strips, uncovered, on HIGH 3–4 minutes or until they begin to brown, stirring every minute. Spread strips over Parchment Paper to cool. 3. Coarsely chop jalapeño

using Food Chopper. Cut carrots lengthwise into quarters, then crosswise into thirds. 4. Cut off top of bell pepper and scoop out seeds. Wedge pepper using Veggie Wedger and cut wedges crosswise into thirds. Wedge onion; cut wedges crosswise in half. 5. Slice pork lengthwise into four strips. Cut strips crosswise into ¼-in. (6-mm) pieces. Mix pork and garlic pressed with Garlic Press in Classic Batter Bowl. 6. Heat 1 Tbsp (15 mL) of the oil in 11- or 12-in. (28- or 30-cm) Skillet over mediumhigh heat 1–3 minutes or until shimmering. 7. Cook pork without stirring 3–5 minutes or until browned. Stir pork and cook 1–2 minutes; remove it from Skillet. 8. Add remaining ½ Tbsp (7 mL) oil to Skillet. Add vegetables; cook and stir 2–3 minutes or until crisp-tender. Stir in pork, sauce and jelly; cook 1–2 minutes or until heated through. 9. Divide wonton strips among serving plates and top with pork mixture. Garnish with additional sliced green onion, if desired. Serves 6 U.S. Nutrients per serving: Calories 280, Total Fat 7 g, Saturated Fat 1 g, Cholesterol 50 mg, Sodium 400 mg, Carbohydrate 35 g, Fiber 3 g, Protein 20 g Cook’s Tips: Removing the silver skin keeps the pork tender during cooking. For a change of pace, 1 lb (450 g) boneless, skinless chicken breasts, cut into thin strips, can be substituted for the pork tenderloin. At in-home Cooking Shows, guests see and try products, prepare and sample recipes, and learn quick and easy food preparation techniques and tips on how to entertain with style and ease— transforming the simple to the spectacular. For more information, call 1-800-266-5562 or visit www.pamperedchef.com. Like them on Facebook ® at www.facebook. com/ThePamperedChef. For more mealtime tips, recipes and free resources, visit www.pampered chef.com/mealtimeminutes.

*Food marketing to children and adolescents: What do parents think?” by the Rudd Center for Food Policy & Obesity.


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Pennysaver • November 21, 2013 • For Advertising Information Call (914) 592-5222

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Pennysaver • November 21, 2013 • Visit Us Online: www.nysaver.com

Tips On Selecting The Right Nursing Home (NAPSA)—The number of people over age 50 providing care for at least one living parent has soared to more than 10 million, according to the Center for Long Term Care Research and Policy at New York Medical College. This responsibility frequently comes at a time when caregivers are confronted with many other stressors, including retirement, financially supporting adult children or dealing with health concerns of their own. Caring for aging loved ones often involves making difficult decisions about when to begin searching for a senior living facility and how to select the right one. Sue Mullaney, a geriatric nurse practitioner, knows firsthand the emotional, financial and physical toll these kinds of decisions can take. Mullaney is the National Director of Clinical Programs for Optum CarePlus, which coordinates care in thousands of nursing homes across the nation. She offers these tips to help ease the burden for people beginning the search for a nursing home: •Evaluate the quality of health care. Learn how each prospective facility coordinates care, as well as how and when residents will have access to medical professionals. Are supervisors onsite to oversee the quality of care provided? Are registered nurses or nurse practitioners available for additional care coordination? Knowing each facility’s procedures will help you make the best choice. •Determine the right treatment option. Some nursing homes specialize in rehabilitative services while others focus on caring for patients with specific conditions, such as Alzheimer’s or stroke recovery. Depending on your loved one’s needs, search for a facility with the right specialization. •Consider the appearance. When it comes to selecting a nurs-

Advance research and careful evaluation can help you find the right nursing home for a loved one. ing home, you can judge a book by its cover. Take a good look around a facility’s dining area, community spaces and living areas, as well as the exterior grounds. Are they clean and well cared for? Are employees courteous and professional? Are residents interacting and participating in activities? These answers are important to determine the quality of life at a facility. •S e t c l e a r e x p e c t a t i o n s . Once you select the right nursing facility, ask the staff to develop a written care plan for the individual who will receive care. Request a time to review it with family members. By communicating care needs to facility staff early in the process, you can help prevent a lapse in care during the transition. This process will also help you build relationships with personnel and set expectations for methods and frequency of communication with family members. Throughout the process, remember that the more information you have, the more comfortable you and your loved ones will be with your decision. Considering these criteria will help you prioritize your needs and select the right facility. To learn more about CarePlus, visit www.Optum.com/ CarePlus.


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All That Glitters Is Possibilities (NAPSA)—A new line of jewelry glitters with possibilities for accessorizing and becoming a home-based entrepreneur. The stylish and trendsetting collection offers fashion and fine pieces that feature flair for those who want to dazzle and be dazzled, while keeping affordability in mind. Designed to balance style and price, the line offers versatility with a variety of interchangeable charms for hoops and pendants for necklaces, so women can change up their look from day to evening by simply modifying their jewelry. Designed by Frances Gadbois, a reputable and established fine-jewelry designer and co-owner of the luxury line Jude Frances, this new line includes stackable bracelets and bold and funky cocktail rings with fine crystals and seasonal jewel tones. Long pearls, armfuls of bangles and cuffs in gold, silver and leather round out the classic accessories. From black tie to boho chic, the extensive assortment features subtle elegance and bold statement pieces for every age, style and occasion, all without breaking the bank. Aside from the core collection, there are seasonal, bridal and moissanite lines that layer and build upon one another for a timeless look. Moissanite, the most brilliant gemstone on the planet, is recognized by the Gemological Institute of America and is more durable than sapphire, ruby or emerald, so its beauty will last for generations. The collection is nickel-, leadand cadmium-free, and all ear-

You can mix and match items for a collection that is very wearable. rings have a titanium surgical post as well. From staple pieces to dramatic indulgences, the Lulu Avenue line is diverse enough to transform a woman’s look and practical enough to blend seamlessly with her current fine jewelry and favorite go-to fashion finds. The collection provides more than the possibility of great accessorizing. It offers design lovers the opportunity to share their passion for style and quality while building a business through direct sales. Lulu Avenue offers financial independence and business flexibility for home-based entrepreneurs. You can get the products via a Style Advisor or directly from www.luluavenue.com.


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Pennysaver • November 21, 2013 • Visit Us Online: www.nysaver.com

How Technology Can Help Businesses Do More With Less (NAPSA)—From tax changes to utility bills and minimum wage requirements, small- to mediumsized businesses (SMBs) have a variety of expenditures and regulatory obligations. Meanwhile, governmental changes and other factors continue to alter the landscape of expenses that SMBs can expect from year to year. This can change the way business owners invest their money and the types of expectations they have for the products they purchase to support their companies. With other growing expenses, small- and medium-sized businesses are more interested than ever in the “value of a dollar” and they expect their money to go further when it comes to technology. Here are three tips for doing more with less and a look at the technology that can help make a difference for your business with fewer costs: •Make your office mobile friendly—Increase employee productivity by providing the option to print on the go from smartphones and tablets. Offices that aren’t ready to buy a new printer but are interested in implementing mobile print should look at the HP 1200w Mobile Print Accessory—a simple, secure USB device that adds wireless-direct and touch-to-print capabilities to existing HP LaserJet and Officejet Mobile printers. •Invest in cloud-enabled document management—By investing in the cloud, businesses can manage content and improve

One way businesses can save money and still stay efficient is to invest in technology that lets them do more with fewer costs. employee efficiency with access to documents from the office or on the go, without purchasing additional hardware or IT infrastructure. Look for a cloud solution that uses a subscription model, letting you scale your cloud usage as your business grows. •Create interactive documents through the cloud— Cloud-based customer communications management solutions let users spend less time composing documents and more time engaging with customers. With these technologies, users can create sophisticated, interactive documents, including sales quotes, proposals, direct marketing and correspondence, while maintaining company brand standards. Learn More You can have more control of your business expenses by investing in the right technology. For further facts and tips, visit www.hp.com.


Pennysaver • November 21, 2013 • For Advertising Information Call (914) 592-5222

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Consider A Recession Proof Career (NAPSA)—Did the Great Recession impact your employment success? For many, the economic turmoil opened their eyes to the risks of working in certain industries. But at New York Life, a Fortune 100 company actively recruiting in your community, you can weather the ups and downs in the economy because the public’s need for financial preparation is constant. As individuals get married, have children and care for elderly parents, insurance agents are there to provide financial guidance and support—with each new life stage there are new financial objectives to address for clients. Studies and demographics point to why the best time for life insurance agents is now—because Americans are doing far too little to prepare financially. A 2013 Life Insurance Gap survey by New York Life indicates that people have 41 percent less than they need in life insurance protection, and according to industry statistics, approximately 77 million households still need life insurance. Also, people are living longer, traditional pensions are disappearing, and savings rates are minimal. As the first wave of the nation’s 77 million baby boomers reaches retirement, many Americans will be facing a new set of risks and investment decisions. In good economic times and bad, successful life insurance agents have a stable career, providing guidance to consumers about the right solutions to meet their needs. As a life insurance agent, you can earn a good living while creating

Many people have seen the Great Recession as an opportunity to change careers. your own work schedule and at the same time help individuals and families in your community. You can have a career in which you are fairly compensated based on the hours and effort you put forth—with unlimited potential for growth—and you can do all this while enjoying a stimulating career. At New York Life, agents are offered comprehensive sales training and a wealth of marketing resources, as well as continuous support from a staff of experts for a lifetime of learning and professional development. And as an agent for New York Life, you are eligible for generous benefits. New York Life agents enjoy a career in which they work for themselves but with the support of an iconic national brand. Now more than ever, working for a financially stable company is a smart career choice. Becoming an agent is a great opportunity for recent college grad-

uates, for those who are looking for a new professional challenge, or for those professional agents who may be seeking a company that’s stable and has the highest possible ratings for financial strength. Many of the most successful agents were previously employed as nurses, teachers, coaches or entrepreneurs involved in other business ventures. By learning new skills and applying existing capabilities, you can become successful and satisfied life insurance professionals. It’s also an extremely attractive career for women, and the number of women selling insurance is rapidly growing. In addition, agents with diverse backgrounds are highly sought after to meet the needs of the growing number of individuals from various ethnic backgrounds. By empowering others to make the right financial decisions for themselves and their families, new agents report an extraordinary new pride and fulfillment in their jobs—unlike any other work they’ve done. Now may be the right time to consider a new career offering many opportunities to grow professionally and join New York Life’s prestigious national network of 12,250 agents. Contact New York Life today to find out if a career as a life insurance agent is right for you or someone you know. For more information about a career with New York Life, visit www.newyork life.com or call (877) 695-4211. EOE M/F/D/V


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Pennysaver • November 21, 2013 • Visit Us Online: www.nysaver.com

Tips On Sprucing Up Your Home (NAPSA)—While new throw pillows, a fresh coat of paint or a decorative lamp can do wonders to refresh a room, when you get down to it, one of the best ways to make a room sparkle is to refinish your hardwood floors. In the past, refinishing hardwood floors was often considered a time-consuming, dusty and smelly undertaking. Today’s technology and products, however, can make it quick and easy—in some cases, you can be back in your home the same day. These five tips can help. 1) Don’t let your floors get overly worn, scratched or damaged before you take action. Refinishing when your floors only have some wear and tear can mean an easy, one-day recoat. If you wait too long, you may have to replace some of the floorboards. 2) Go with a contractor that uses a dust-free system. Dust containment systems make refinishing hardwood floors clean and safe by reducing airborne dust by 99.8 percent. Old wood floor refinishing methods can produce wood dust particle counts 200 times over the OSHA limit. 3) Go with a pro. Know the company that’s coming in to refinish your floors. It should be experienced and insured. For example, Bona has a Certified Craftsman Program that is comprised of a trusted network of hardwood flooring experts that deliver outstanding results in both craftsmanship and customer service. They all must adhere to a Five Star Advantage program, which means they are insured, trusted, knowledgeable and mindful to utilize products that are safe for your home and the environment. 4) Keep it green. It’s a common misconception that environmentally friendly, water-based fin-

For a new home at the old address, start at the bottom— refinish your floors. ishes aren’t as durable as oil-modified finishes. An industry test found that waterborne finishes withstand wear and tear better than most oil-modified finishes. Additionally, acid-cure finishes emit extremely high levels of VOCs and harmful fumes, which means people, pets and plants have to vacate the house for two to three days. With a GREENGUARD certified, waterborne finish such as Bona’s Traffic HD, you can often walk on the floor the same day. 5) Consider a change. Refinishing can be a good time to change the color and sheen of your floors. Consult a craftsman for advice or download the Bona Floor Design Guide app. Once you’ve refinished your hardwood floors, you can keep them beautiful by using a cleaning solution specifically formulated for hardwood floors. Avoid overly acidic cleaners (such as vinegar and water) that can eat away at your new finish. Instead, look for pH-neutral cleaners that won’t leave a residue behind to bring out the best in your hardwood floors. For more information or to locate a hardwood floor craftsman, go to www.mybonahome.com.


Pennysaver • November 21, 2013 • For Advertising Information Call (914) 592-5222

Answer Two Questions To See If You Need A Water Softener (NAPSA)—If you don’t have a water softener in your home, you might not realize the effect it can have on your quality of life. Fact is, today’s high-efficiency water softeners can substantially lower water and electricity costs while making water-using appliances more efficient. Other benefits include: •Sparkling dishes •Shinier hair •Softer skin •Brighter, softer laundry •Better-tasting water. Not everyone with hard water is aware of those benefits, however. Your answers to two simple questions can help you determine whether your home would benefit from a water softener. Question 1: What does it cost to treat your water? You may be treating your water to counteract hardness with costly chemical-based products such as detergents, shampoos, fabric softeners or dishwasher rinse agents. While you’ll still need to buy these, with a water softener, you will need significantly less. You may also eliminate costly repairs for other water-using appliances, like a water heater or dishwasher, and reduce plumbing bills. Question 2. What’s your home’s water quality? Certain signs indicate you may need softer water. Have you noticed: •Soap scum in the shower or bathtub •Stains on your drinking glasses after a run through the dishwasher •Dingy, scratchy clothes •Dry skin and dull hair •Scale buildup on fixtures

A high-efficiency water softener can provide many benefits to homeowners, including brighter, softer laundry. •A “rotten egg” odor •A water heater that is leaking or producing unstable water temperatures? A local water expert like a Culligan Man can conduct an inhome test for hardness, iron, copper, pH and alkalinity. People with well water can have a Culligan Man send a sample to the company’s water laboratory, which is accredited by the National Voluntary Laboratory Accreditation Program and the U.S. EPA. Based on testing results, he can recommend a highefficiency water softener that meets your home’s specific needs, install it, service it, deliver materials and even fill your tank. You can also find out about water quality from a water utility, a water quality association or the U.S. EPA website at EPA.gov. Learn More For more about high-efficiency water softeners, visit http://www. culligan.com/en-us/d/homes/watersoftener/.

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Pennysaver • November 21, 2013 • Visit Us Online: www.nysaver.com

Going Gluten-Free, Even With Diabetes (NAPSA)—A new guide can help millions of Americans who have diabetes, celiac disease or both. Celiac disease, an inherited autoimmune disorder, makes people incapable of digesting gluten, so the common treatment for this condition is a totally gluten-free diet. The strong link between celiac disease and diabetes can mean a double challenge of finding foods to fit the dietary restrictions of both conditions. It doesn’t need to mean giving up dishes you love, however.

Diabetes-friendly recipes, meal plans, strategies and tips for anyone with diabetes and celiac disease or gluten intolerance are in a new guide. To help, chef Nancy Hughes and registered dietitian and diabetes educator Lara RondinelliHamilton created “Gluten-Free Recipes for People with Diabetes” for the American Diabetes Association, a collection of 75 gluten-free recipes for people with diabetes. It has a meal-planning guide, advice on shopping, cooking tips, grocery lists, menus, and lists of safe and not-so-safe ingredients. Recipes provide exchanges and nutritional information to help manage glucose levels. There’s also an extensive list of resources, including organizations, books, websites and magazines. It’s at www.ShopDiabetes.org/ gf, bookstores and (800) 232-6733.

Program Offers Online Learning For Teachers (NAPSA)—The idea of teachers taking part in professional development programs when and where they want to has become a reality. That’s the word from experts who say the PD Online professional development program offered by ASCD is an excellent example of how technology can be used to connect educators worldwide to the most innovative thinkers in education.

An online professional development program has been created to meet the needs of teachers and administrators. ASCD is described as a global community dedicated to excellence in learning, teaching and leading. Professional Development The PD Online program offers more than 100 online courses to meet the individualized professional development needs of almost any type or size of learning group, ranging from individual learners to statewide deployments and integration with university programs. All PD Online courses are developed with ASCD expert authors, world-renowned authorities on learning, teaching and leading. To learn more, visit www.ascd.org/professional-devel opment/pd-online.aspx.


Pennysaver • November 21, 2013 • For Advertising Information Call (914) 592-5222

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The Next Step In Heat Pump Technology (NAPSA)—There’s good news for homeowners looking for more efficient and economical ways to heat and cool their home. The next generation in geothermal technology has arrived. These systems are designed to leverage underground thermal energy to provide ultra efficient heating and cooling of a home. That’s the word from experts at WaterFurnace who say that new variable capacity geothermal technologies are more than twice as efficient as any air source heat pumps or air conditioner and a third more efficient than existing geothermal systems. Less Wasted Energy Compressors in conventional heat pumps typically run at only one or two speeds. About 90 percent of the time, a fixed-speed compressor cycles on and off or uses some other energy-wasting technique to throttle back capacity. The 7 Series from WaterFurnace—the latest in variable capacity geothermal heat pumps—can scale up and down over 12 speeds. A Constant Temperature Imagine that your car had only two choices: 30 mph and 70 mph. It would be hard to maintain a speed of 55 mph and the car wouldn’t be very fuel efficient because it takes more gas to get up to speed than it does to maintain it—gently accelerating and then maintaining constant speeds increases fuel efficiency. Similarly, a variable speed compressor uses low capacities and just a small amount of energy to constantly maintain building temperatures. This can translate to savings, since variable speed compressors cut energy consumption by varying compressor capacity to match exact cooling and heating needs. With no cycling on and off, there is less wasted energy ramping back up to capacity. This allows the system to run more often at very low capacities, keep-

Experts say variable speed compressors can cut energy consumption by varying compressor capacity to match exact cooling and heating needs. ing a building at a stable, constant temperature and improving energy efficiency. To change speed, the compressor uses an external variable frequency drive (VFD)—also known as an inverter—to slow or speed up the alternating current (AC) electric motor that drives the rotating elements inside the scroll compressor. Efficient Operation Using the earth as a natural energy source, a geothermal system can operate more efficiently than ordinary heating and air-conditioning systems, delivering five units of energy for every one unit of electrical energy used—a 500 percent efficiency rating. That means a geothermal system can provide a precise distribution of comfortable air all year long, eliminating hot and cold spots throughout the home while operating quietly. WaterFurnace International, Inc. is a leading manufacturer of residential, commercial, industrial and institutional geothermal and water source heat pumps. To learn more, you can visit www.waterfurnace.com.


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Pennysaver • November 21, 2013 • Visit Us Online: www.nysaver.com

Saying Yes To Saving A Life (NAPSA)—Here’s good news about health and heroism in America today: More than 10.5 million people have made the commitment to donate marrow to a patient—a stranger—by joining the world’s largest volunteer marrow donor registry, the Be The Match Registry. The Challenge Unfortunately, nearly half of those identified as a potential match for a patient don’t go on to donate. The reasons are many. The potential donor ’s health status may have changed, their contact information may be outdated or they may have decided they no longer want to donate. A study published in the medical journal Blood found that among those who no longer want to donate, the most common reason is feeling anxious or worried about donation. Ultimately, Be The Match is able to find matching, available donors for 66 percent to 93 percent of patients, depending on race or ethnicity. But unavailable donors can cause critical delays for patients waiting for a transplant, and for some patients it means that no match can be found. What’s Being Done To help, Be The Match takes several important steps to improve donor availability, including educating people throughout the recruitment and donation process—dispelling myths about donation, answering questions and helping potential donors understand the life-saving impact they can have. Current registry members are also regularly contacted to renew their commitment to save a life. But more committed, potential donors need to join the registry and donate if called. Growing a

You may be able to save someone’s life by volunteering to be a bone marrow donor. larger and more diverse registry is one of the single most important ways to help more patients find a matched—and available—donor. How To Join The Heroes If you are thinking of joining the Be The Match Registry, there are a few things to keep in mind: •Get the facts—Be sure you understand what to expect when you join the registry so you feel comfortable with your decision. •Keep loved ones in the loop—When you join the registry, tell friends and family to ensure that they understand and support your decision. •Stay in touch—Update contact information regularly so you can be located quickly if you are identified as a match. Simply visit www.BeTheMatch.org or call (800) MARROW-2. •Update your health status—Inform the registry of health changes that could make you ineligible to donate, even temporarily. •Step up and save a life—If called to donate and potentially save a life, say yes. Learn More To find out how you can help, visit www.BeTheMatch.org or call (800) MARROW-2.


Pennysaver • November 14, 2013 • For Advertising Information Call (845) 627-3600 COMMUNITY SERVICE

Community Calendar

SUDOKU

ROCKLAND EDITION

By R. Moore

Tappan Zee Thrift Shop Offers Holiday Gifts Tappan Zee Thrift Shop of Piermont has holiday gifts for the entire family. Toys, books, paintings, house-hold items, collectibles, glassware, costume jewelry, tree ornaments and decorations. Benefits go to 11 organizations, Association for Visually Impaired, Center for Safety and Change, Hi-Tor Animal Center, Mental Health Association, plus various churches and libraries. The Shop is open Tues, Thurs, Friday & Saturday from 10-4pm. On Wed & Sunday from 1-4pm. The Shop is closed on Mondays. The Shop is located at 454 Piermont Avenue, Piermont, NY. The Shop will be closed from Mon, Dec 23 through Tues, Jan 7, 2014.

Seeking Host Families

Since 1952, International Fellowship, Inc. a non-profit organization has been successfully exchanging students to & from the U.S. Families in this area are invited to reach across the boarders & host a high school aged exchange student for the semester or the academic year. The students come with their own spending money and are covered by health/accident insurance. All that is required of a host family is to provide room, board, laundry facilities & some tender loving care. Host families can be married, single, have kids, no kids- even grandparents can apply. Visit their website for information at www.internationalfellowship.org, write to International Fellowship, Inc., P.O. Box 130, Westfield, New York 14787, email infelwes@gmail.com, or call 1-800-6478839.

Fun By The Numbers Like Puzzles? Then you’ll love sudoku. This mind-bending puzzle will have you hooked from the moment you square off, so sharpen your pencil and put your sudoku savvy to the test!

Level: Intermediate Here’s How It Works: Sudoku puzzles are formatted as a 9x9 grid, broken down into nine 3x3 boxes. To solve a sudoku, the numbers 1 thru 9 must fill each row, column and box. Each number can appear only once in each row, column and box. You can figure out the order in which the numbers will appear by using the numeric clues already provided in the boxes. The more numbers you name, the easier it gets to solve the puzzle!

Holiday Boutique & Kids Mall

Arts Festival & Craft Fair

Sun, Nov 24 10am-5pm, Nanuet Hebrew Center Arts & Crafts Festival, located off exit 10 on the Palisades Parkway. Admission $6 or FREE if you mention the Pennysaver. For additional information call, 845-708-9181

Christmas Bazaar

Sun, Dec 7, 9am-3pm Viola United Methodist Church Annual Christmas Bazaar Gifts, Decorations, Quilt raffle, Lunch & Baked Goods. Viola Road, Suffern

Holiday Boutique

Sat, Dec 7, 10am-3pm First Presbyterian Church Holiday Boutique 17 Highway Ave, Congers. Handmade crafts, tons of craft magazines, knitted & crocheted items, baked goods, new items, White Elephant will be for sale. Light lunch will be available. Don’t miss out, something for everyone!

Nativity Drive-Through

Sat, Dec 7, 5-,8pm The Park Evangelical Free Church is pleased to announce its 13th Annual Live Nativity Drive-Through in the Church parking lot (4 Roosevelt Place, New City, corner of So. Little Tor Rd & Collyer Ave.) The presentation features actors in period costumes & live animals enacting the story of the birth of Christ from the angelic announcement to the nativity scene. There is no charge to the publlic.

Vendors & Crafters Wanted

Sat, Dec 7, Albertus Magnus Christmas Boutique 798 Route 30, Bardonia is looking for crafters & vendors to participate. To display your products or for information call 845-642-6554. Submit your group’s event for publication to: communitynews@nysaver.com or mail to: Tri-State Media, 510 5th Avenue, Pelham, NY 10803. Fax: 914-220-4949 Please submit at least 3 weeks in advance of event.

FOOTLOOSE AND...

Fri, Nov 22 3:30pm, Thanksgiving Drop-In Stories & Crafts, New City Library, 220 North Main St. No registration required.

Jules W. Rabin

Thanksgiving Workshop

ANSWER:

Thurs, Nov 21, 6pm The Bardonia Elementary School is hosting a Holiday Boutique & Kids Mall at 31 Bardonia Road. A variety of vendors will be on site selling everything from scarves to jewelry to watches & more. Do your Holiday Shopping, you’ll be sure to find that special something!

POTPOURRI of SMART STUFF!

W

hen should you think about taking Social Security to receive FULL benefits? To receive FULL benefits you should claim them at FULL RETIREMENT: age 66 if born between 1943 and 1954. If you claim by 62 they will be cut by 25 percent. Your FULL benefit jumps by eight percent for every year between 66 and 70 if you do not put in an early claim. CHECK OUT “FALL DEALS”. New models of large appliances like washers, dryers and dishwashers as well as certain refrigerators hit the marketplace in the fall, thus a deal on last year’s model becomes quite possible. Smaller items: toasters, blenders and coffee makers, etc. are discounted this popular time of year for weddings. GET CHEAP FLIGHTS. Book on a weekend since Saturday and Sunday averages five per cent less. The reason: business travelers generally book on weekdays, using the company’s dollar. The airlines shoot for more price conscious leisure travelers with lower weekend prices. WHAT’S IN YOUR WALLET? It should not be your original Medicare card. Rather, make a photocopy and cut out the last four numbers. The same security measure should go for other key things. Place a Fraud Alert on your file at the three major credit bureaus Experian (888-392-3742); Equifax (888-525-6825); and Trans-Union (800-680-7209). It is often free if you are 65 or older. COMMUNITY (This community service represents the views of Jules W. Rabin only)

SERVICE

301283

TRI-STATE MEDIA

WR


Pennysaver • November 14, 2013 • Visit Us Online: www.nysaver.com

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New Medicare plans for 2014!

The Benefits You Care About... Are Right Here.

For 2014, here are highlights of our in-network(2) benefits compared to Original Medicare.

Monthly Plan Premium (1) Flex Benefit Part B Deductible PCP Copay Specialist Copay Outpatient Surgery in a Hospital Outpatient Surgery in an Ambulatory Surgical Center Lab Tests X-rays Preventive Services MRIs, CT Scans, PET Scans Inpatient Copay

Part D Prescription Drug Coverage Preventive Dental

$104.90

Fidelis Medicare Advantage without Rx (HMO-POS) $0

Fidelis Medicare Advantage Flex (HMO-POS) $37.20

None $147 20% 20% 20%

None None $10 $20 $285

$500 per year None $0 $0 $285

$100 per year None $15 $25 $285

20%

$285

$285

$285

0% - 20% 20% $0 20%

0%-20% $10 $0 20%

0% $10 $0 20%

0%-20% $10 $0 20%

$1,184

None

None

$285 per day for days 1-5, per admission Yes, with $0 deductible for preferred and non-preferred generics Yes

$285 per day for days 1-5, per admission

No

$285 per day for days 1-5, per admission No

Original Medicare(3)

Benefit

*Fidelis Medicare $0 Premium (HMO) $0

Yes, with $0 deductible

Yes

Call 1-800-860-8707 (TTY: 1-800-558-1125) 8:00 a.m. to 8:00 p.m. seven days a week from October 1 to February 14, and Monday through Friday, 8:00 a.m. to 8:00 p.m. from February 15 through September 30

The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan. Limitations, copayments, and restrictions may apply. Benefits, formulary, pharmacy network, premium and/or copayments/coinsurance may change on January 1 of each year. 1You must continue to pay your Medicare Part B premium. 2Out-of-network services may require more out-of-pocket expense than in-network services. Benefit restrictions apply. 3These are 2013 amounts and may change for 2014. Fidelis Care is a health plan with a Medicare contract H3328_FC 13097 CMS Accepted

316894

Enroll anytime at fideliscare.org


Pennysaver • November 21, 2013 • For Advertising Information Call (914) 592-5222

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PAISANO SAVE TAXI OIL! O N

24

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MAJESTIC OIL LOWEST OIL PRICES IN THE AREA

914-433-3333

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BETTER PRICES BUENOS PRECIOS

BUENOS SERVICIOS

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www.majesticoilny.com C.O.D. and CREDIT CARDS ACCEPTED

• Sandwic hes • Wra ps • App etizers

Glossy Menus & Brochures Sale

FREE

BURGE R SATUR DAY

The Official Home of The NCAA Get One FREE BURKE’ FAM March Madness Per PersonOUS BUR GER S from 11:30a No gimmi Tournament m to cks, m SATURDjust a FREE Delicio10:00p AY, MAR us Burger!! CH 23RD

SLIDERS

BUFFALO CHIC

4 TO AN ORDE ON HAWA R CHICbuffalo sauce toppedKEN IIAN 9.95 with bleu KEN CLUST cheese ER ROLLS topped with fresh PARM dressing tossed in

• 8.5 in. by 11 in. 10,000 Copies $525 (only 5¢ each) #60 • 11 in. by 17 in. Tri-Folds 10,000 Copies $1045 (only 10¢ each) #70 SOUPS &

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9.95 TRADITIOmozzarella and marinara ...add cheese sauce NAL $1 • add bacon $1 8.95 • turkey burgers for $1

SALADS

SALAD mixed | greens, red onion, bleu cheese,shredded carrots, and bacon with our cherry tomatoes house vinaigret BURK te HOUS E’S

8.95

E SALAD

mixed | greens, cherry cucumbe rs & onion tomatoes, with your choice of dressing

HEROS OR WRAPS (Wheat or Flour)

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961-6628 Email:

APPETIZERS

BURGERS-NEW!

New Grilled Chicken Avocado ...7.49

Add Bacon to Any Burger - 1.50 Add Cheese to Any Burger - 1.00 Make It A Double Burger - Add 2.00 * All Burgers Served with Lettuce, Tomato (Except Pizza Burger)

Grilled chicken, avocado, lettuce, tomatoes & mayo

e Ads 2 FREE Full Pag er In The Pennysav ($600 Value)

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Plus

961-6628

Add to any salad, pasta dish or hero: sausage, meatballs or grilled chicken $1.50 shrimp $2.99, cheese $1.00

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$7.99 **COMBO LUNCHES** $7.99 COMBO #1 Lasagna or Baked Ziti Tossed Salad Garlic Bread Can Soda

COMBO #2 Penne alla Vodka or Fettucini Alfredo Tossed Salad Garlic Bread/Can Soda

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COMBO #4 Manicotti, Stuffed Shells or Ravioli Marinara Tossed Salad Garlic Bread/Can Soda

COMBO #5 Buffalo Wings Mozzarella Sticks, French Fries Can Soda

COMBO #6 Grilled Chicken Caesar, Tuna or Chef Salad Garlic Bread Can Soda

COMBO #7 Chicken Cutlet or Shrimp Parm/Pasta Garlic Bread Can Soda

Name: Email:

10

Offer Expires 3/31/2013

$19.95

$19.95 - jumbo shrimp recipe, in which cooked in classic onions are used twice in the cookingIndian with carefully chosen spices process, and herbs

5. Shrimp Tandoori

$19.95

doori, then simmeredMasala - jumbo shrimp cooked in tanin a piquant sauce garlic, coriander, made with ginger, curry leaves and green peppers

3/31/2013

$

Karma almond and cashew jumbo shrimp cooked in mild creamy nut sauce

2. Shrimp Curry

- jumbo shrimp sauteed with ginger, curry leaves and cooked in tomato garlic & onion sauce 3. Shrimp Sag $19.95 jumbo shrimp cooked with mildly spinach and herbs spiced

4. Shrimp Do Piaz

6. Shrimp Vindaloo

potatoes in a tangy

7. Shrimp Mappas

conut curry sauce

8. Salmon Fish

a lightly spiced

5

$ 00

5000 OFF 5% OFF

Caesar Salad w/Grilled Chicken w/Grilled Shrimp Tossed Salad

(very hot) - jumbo

sharp sauce

- shrimp cooked

Curry - Cooked

sauce

$19.95

shrimp cooked

with

$19.95 with authentic

keral co-

$19.95 with fresh ginger

and garlic in

$19.95

vegetarian delights

- nine different in a cashew & almond varieties of fresh vegetasauce $12.95 - cauliflower, potatoes and green peas ginger and spices in a (a dry preparation 3. Baingan Bharta ) $12.95 - eggplant, broiled charcoal, peeled, mashed and sauteed and tossed over green chilly, garlic and freshly ground with chopped onions, spices 4. Palak Paneer $12.95 - fresh homemade with pureed spinach cottage cheese cooked and spices

5. Channa

$12.95 Saag - chick peas cooked in a sauce puree, tomatoes of spinach and fresh ginger and curry leaves tempered with cumin seeds 6. Channa Masala

with a little gravy

(medium) - chick

7. Vegetable Vindaloo

bles, cooked with

$12.95 peas cooked in

(very hot and

spices

$12.95 sour)

- mixed vegetaspices in a tangy sharp sauce $12.95 (hot) - vegetable in authentic spicy with black pepper

8. Vegetable Chattinad

coconut sauce

9. Vegetable Mylapur

$12.95

- vegetables cooked milk, dry red chillies, with coconut tempered with seeds curry leaves and mustard

10. Paneer Tikka

$12.95

Masala - fresh homemade first cooked in cottage cheese, Tandoori oven, then simmered sauce, enriched in a piquant with green herbs and spices 11. Bhindi Do Piaz $12.95 cooked with onion - fresh okra stuffed with exotic spices and pepper

12. Malai Kafta

with dried fruit,

(mild) - balls of

$12.95

mashed vegetables cooked in a cream stuffed and tomato sauce

$12.95

Half Tray

$55.00 $65.00 $60.00 $60.00 $65.00 $65.00 $60.00

Chicken Parmigiana Chicken Francese Chicken Marsala Chicken Cacciatore Chicken Scarpariello Chicken Saltimbocca

$65.00 $65.00

Eggplant Parmigiana Eggplant Rollatini

$60.00

Cheesecake Tiramisu

EGGPLANT

$65.00 $65.00 $65.00 $65.00 $65.00 $65.00 Full Tray

$35.00 $50.00

$60.00 $70.00

ORDER ONLINE: WWW.LABELLAYONKERS.COM

DESSERT $40.00 $65.00

CATERING COMBO #2 • ONLY $375 • FOR 40-50 PEOPLE • 1 Full Tray Penne Alla Vodka • 1 Full Tray Penne Broccoli • 1 Full Tray Sausage & Peppers • 1 Full Tray Chicken Parmigiana • 1 Full Tray Chicken Francese • 1 Full Tray Tossed Salad • 50 Homemade Rolls

BEVERAGES

Not

Full Tray

$40.00 $40.00 $40.00 $40.00 $40.00 $40.00 Half Tray

Hot...Fresh...Fast...

** LA BELLA CATERING COMBOS **

No substitutions. Not to be combined with any other offers. Prices do not include taxes & $1 delivery charge.

be combined Included with any other Expires offer. EXPIR ES 4/30/13 BURKE’S 4/30/13. • 914.237.51 37

$80.00 $80.00 $80.00 $80.00

Delicious!

• 1/2 Tray Penne Alla Vodka • 1/2 Tray Penne Broccoli • 1/2 Tray Sausage & Peppers • 1/2 Tray Chicken Parmigiana • 1/2 Tray Chicken Francese • 1/2 Tray Tossed Salad • 25 Homemade Rolls

TAKE OUT • DELIVERY • CATERING • DINE IN

Water ....................................1.25 12 oz. Soda...........................1.25 20 oz. Soda...........................1.75 16 oz. Snapple.....................1.75 2 Liter ...................................2.99 Domestic Beer ....................2.50 Imported Beer.....................3.00 Wine Red/White.................3.00 Bottle of Wine...................15.00

“Little Italy Grandma Style” WE DELIVER: MON – SUN • 11AM – 10 PM

961-6628

Cheese Cake........................3.00 Tiramisu...............................3.99 Cannolis...............................3.50 Zeppolis...............................1.75

1566 CENTRAL AVENUE – YONKERS, NEW YORK 10710

Prices subject to change without notice.

ORDER ONLINE: WWW.LABELLAYONKERS.COM If you have a food allergy, please speak to the owner, manager, chef, or your server.

If you have a food allergy, please speak to the owner, manager, chef, or your server.

Prices do not include tax. $1 delivery charge. Prices subject to change without notice

rice special

Shrimp Biriyani

WWW.SHUKAILAIN DIAN.COM

- fragrant basmati marinated shrimp rice cooked with and and saffron garnished carefully blended with herbs, spices, with nuts, dried boiled eggs fruits and pieces of

Goat Biriyani

$19.95

- goat and safron, garnishedon the bone cooked with herbs, spices with dried fruits and nuts $15.95 - a traditional lamb-rice lamb cooked with dish, cubes of spices and herbs tender basmati rice cooked and mixed with fragrant with saffron, garnished fruits and pieces with nuts, dried of boiled eggs

Lamb Biriyani

Chicken

$18.95

Biriyani - a traditional chicken-rice dish, rice cooked with basmati marinated chicken, vegetables and fragrant nuts, carefully blended fruits, with herbs, spices saffron and Vegetarian Biriyani

$13.95

vegetables blended - fragrant basmati rice cooked with fresh nished with dried with herbs and spices and saffron fruits and nuts gar-

Coconut Rice Rice Pilau - fragrant

and spices

1. Navrattan Karma

$40.00 $55.00 $60.00 $40.00 Full Tray

$75.00 Full Tray

CATERING COMBO #1 • ONLY $225 • FOR 20-25 PEOPLE

bles simmered

2. Alu Gobi Mutter

blend of onions,

$20.00 $35.00 $40.00 $20.00 Half Tray

$80.00 $80.00 $110.00 $80.00

20%OFF

YOUR

Monday, ENTIRE BILL ThursdayTuesday, Wednes Tax & Gratuity day or Not to

RESTAURANT & PIZZERIA ITALIAN CUISINE

Full Tray

$50.00 $55.00 $65.00 $55.00 $45.00 Half Tray

Veal Sorrentino $50.00 Veal Cutlet Parmigiana $50.00 Veal Marsala $50.00 Veal Francese $50.00

POULTRY

specialties of the sea

1. Shrimp

5

HOMEMADE DESSERTS

COMBO #8 (HERO) COMBO #9 (WRAP) Chicken, Eggplant, Grilled Chicken, or Meatball Parm Chicken Cutlet, Grilled Chicken, Chicken Ham or Turkey Cutlet, Ham or Turkey w/ Lettuce, Tomatoes & Cheese Lettuce, Tomatoes & Cheese French Fries/Can Soda Hero Chips/Can Soda No substitutions – not to be combined with any other offers. Combo meals for takeout / delivery only. Prices do not include taxes & $1 delivery charge.

961-6628

$

914-380-5863

Tossed Salad .....................................4.49 Caesar Salad .....................................4.49 Gorgonzola .......................................5.49 Tuna over Salad ...............................6.49 Grilled Chicken Salad....................6.49 Grilled Shrimp Salad.....................6.99 Grilled Chicken Caesar .................6.49 Grilled Shrimp Caesar...................6.99 Chef ...................................................6.49 Grilled Chicken Gorgonzola ........6.99

Name:

00 Any Party of OFF Lunch or Dinner OFF 15 Persons or More for Senior Any Take Out Order Any Dinner Check Citizens Offer Expires 3/31/2013 of $40 or More Offer Expires 3/31/2013 of $70 or More Offer Expires

Call Marc Rosenberg, Field Manager, today for information or a convenient appointment.

Baked Ziti ..........................................6.49 w/Chicken Cutlet ...........................6.99 w/Sausage........................................6.99 w/Meatballs ....................................6.99 Ziti Sausage & Peppers...................6.49 Linguini w/Clam Sauce .................................6.99 w/Meatballs ....................................6.49 Shrimp Marinara Linguini.............6.49 Manicotti or Stuffed Shells............6.49 Lasagna ..............................................6.49 Ravioli Marinara ..............................6.49 Baked Ravioli ...................................6.99 Penne Broccoli Garlic Oil...............6.49 Penne alla Vodka .............................6.49 Penne, Broccoli Rabe,......................6.99 Sun-dried Tomatoes, Garlic and Oil

SALADS

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Filet of Sole Francese Shrimp Fra Diavolo over Linguini Seafood Platter Shrimp Parmigiana Shrimp & Calamari Combo

$55.00 $55.00 $55.00 $55.00 $55.00 $50.00 $55.00 Full Tray

PASTA Baked Ziti $35.00 Lasagna $40.00 Penne Alla Vodka $35.00 Ravioli Marinara $35.00 Baked Ravioli $40.00 Pasta Alla Bella $40.00 Rigatoni Alla Filetto $35.00 Linguini w/Clam Sauce $40.00 w/Shrimp, Broccoli, $40.00 Garlic & Oil Linguini or Penne $35.00 w/Meatballs or Sausage

PASTAS

LA BELLA LUNCH MENU Served 11:00AM - 4:30PM

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Half Tray

Full Tray

VEAL Half Tray

Deluxe w/Fries

Hamburger............................3.50 .....5.00 Cheeseburger .......................4.50 .....6.00 Mozzarella Burger...............4.50 .....6.00 Pepperjack Burger...............4.50 .....6.00 Pizza Burger..........................4.50 .....6.00 Turkey Burger ......................4.50 .....6.00 Crispy Chicken Burger.......4.50 .....6.00 Grilled Chicken Burger......4.50 .....6.00 Avocado Burger....................5.00 .....6.00

Grilled chicken, grilled eggplant, basil and garlic

Montebello Sandwich.....................7.49

Email:

$

FOR

ANY DAY DINNER • LUNCH OR

• DINE IN One per customer. with any other Not to beONLY EXPIR combined ESoffer. Expires BURKE’S 4/30/13 • 914.237.514/30/13. 37

SEAFOOD Half Tray

Cold Antipasto $35.00 Fried Calamari $35.00 Mozzarella Caprese $35.00 Baked Clams $35.00 Chicken Fingers $35.00 Buffalo Wings $30.00 Mussels (New Zealand) $35.00

Portobello mushrooms, fresh mozzarella, roasted peppers, basil and garlic

Name:

garlic ...add chicken cheese for $4 ...add

lettuce tomatoes with bacon, and creamy bleu cheese dressing

SALADS

PICK A PARM: Chicken, Eggplant, Sausage, Meatball............................6.99 Veal .....................................................7.99 Shrimp ...............................................7.99 Philly Cheese Steak.........................6.99 Chicken Robertino ..........................7.49

Name:

BURGER & BEER

6.95

| lettuce, croutons crunchy & parmesan

LA BELLA CATERING MENU

*All wraps served with french fries

Ham & Cheese L/T...........................6.49 Turkey & Cheese L/T.......................6.49 Italian Combo...................................6.99 Tuna L/T.............................................6.49 Grilled Chicken L/T ........................6.99 Chicken Cutlet L/T ..........................6.99 Sausage & Peppers ..........................6.99 Potatoes or Pepper & Eggs .............5.99 Cheeseburger L/T.............................6.49

Sign Up Online Today for Great Deals, Daily Specials and Online Ordering! www.labellayonkers.com

CAESAR romaine SALAD

shrimp ICEBE for $6 RG WEDG wedge of iceberg E | 4.95

PRSRT STD U.S. POSTAGE PAID PERMIT#5334 WHITE PLAINS NY

Includes: Design, Art, Set-Up Fee, All Folds and Delivery To Your Store

5.95

Dal (medium) -

$12.95 basmait rice cooked

2250 CENTRAL PARK AVE., YONKERS, NY 10710 IN THE TANGLEWO OD SHOPPING CENTER TEL:

914-337-2957 FAX : 914-337-2958

$5.95 with saffron, herbs

accompaniments

$4.95

creamed lentils onions and spice tempered with

Raita (mild) - homemade

cucumber and

spices

cool yogurt, chilled

$5.95 with shredded

Mango Chutney $2.95 (mild) - sweet mango relish Lemon Achar (hot $3.95 & spicy) - homemade pickled lemon Mango Achar (hot $4.00 & spicy) - homemade pickled mango $3.00

beverages

Lassi - chilled sweet yogurt drink Mango Lassi - chilled sweet yogurt with mango juice Juice - apple, orange,

and grapefruit

cranberry, tomato,

Buffet Special (Mon.-Fri.) $8.95 Sat-Sun Brunch $11.95

$3.50 $3.95

pineapple

Sodas - Coke, Diet Coke, Sprite, Ginger Ale, Club Soda Perrier Coffee or Decaffeina ted Coffee Tea or Iced Tea Masala Tea -

$3.50 $2.50 $3.95 $2.50 $2.50 $3.50

SPECIAL PRICE FOR CATERING

compare with any other Indian Restaurant in the county.

Open 7 Days Take Out Free Delivery

Lunch Buffet: 11:30am to 3:00 pm Dinner: 4:30pm to 10:00pm Fri.-Sat. Dinner 4:30pm to 10:30pm allergy, please speak

If you have a food

to the owner,

manager, chef or your server. WE USE ONLY HALAL MEAT

317462

CALL FOR QUOTE

BETTER SERVICE


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Pennysaver • November 21, 2013 • Visit Us Online: www.nysaver.com

Bake Your Way To Great Prizes (NAPSA)—A plate of delicious cookies and a glass of excellent Port sounds like the recipe for a great evening—but the right combination can bring you much more. T h a t ’s b e c a u s e t h e s e c o n d annual Fonseca BIN 27 Port & Cookie Rumble has launched. The contest, which runs through November 15, 2013, seeks the best original cookie recipe to pair with Fonseca BIN 27 Port. To enter, upload a recipe and photo to Face book.com/Fonsecabin27. The judges, chocolatier Jacques Torres, cookbook author Dorie Greenspan and sommelier Peter We l t m a n , w i l l s e l e c t a G r a n d Prize winner; a People’s Choice winner will come from Facebook votes. The Grand Prize winner gets two tickets to the Food & Wine Classic at Aspen, a KitchenAid Freestanding Induction Range and a KitchenAid Pro Line Series 7-Qt Bowl Lift Stand Mixer. The P e o p l e ’s C h o i c e P r i z e i s t h e KitchenAid Pro Line Stand Mixer. To inspire you, Greenspan created this recipe: BIN 27 Broundies (Round Brownies) Yields about 24 Broundies 2 tablespoons BIN 27 Port 2 tablespoons water 1 cup dried cherries, coarsely chopped 5 tablespoons unsalted butter, cut into pieces 10 ounces semi- or bittersweet chocolate (divided), finely chopped ¾ cup sugar 2 large eggs, cold ½ teaspoon fine sea salt ¼ teaspoon freshly ground black pepper ⁄3 cup all-purpose flour 1

Position the racks to divide the oven into thirds and preheat the oven to 325 degrees F. Butter 2 muffin tins, dust the interiors with flour and tap out the excess, or use a baking spray. Bring the BIN 27 Port and water to a boil, reduce the heat to low, add the cherries and stir until the liquid evaporates. Turn the fruit into a bowl;

C h o c o l a t i e r J a c q u e s To r r e s (above) and cookbook author Dorie Greenspan (below) are two of the judges in a delicious cookies and Port recipe contest.

cool. Put the butter in a heatproof bowl over a saucepan of simmering water; top with 6 ounces of the chopped chocolate. Heat, stirring, until melted—you’ll have a thick, shiny mixture. Remove the bowl from the saucepan and beat in the sugar (the mixture will turn grainy—don’t worry). One by one, beat in the cold eggs followed by the salt and pepper. Give the mix a few strong stirs, then gently stir in the flour. Add the cherries (and any liquid in the bowl) and the remaining chopped chocolate. Divide the batter evenly among the muffin tins. Bake the Broundies for about 20 minutes, or until the tops are uniformly dull; a toothpick inserted into the centers will come out clean. Cool the Broundies to room temperature in the tins and then unmold them. For more information, visit www.fonseca.pt or tweet #Cookie Rumble.


Pennysaver • November 21, 2013 • For Advertising Information Call (914) 592-5222

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Celebrating “Just Because” Moments (NAPSA)—Sometimes, the best reason to give a gift is none at all. Those “just because” moments and kind gestures can be celebrated and commemorated any time you want to tell someone you were thinking of him or her. Try treating your friends or colleagues to a cup of coffee, sending your brother a greeting card, or surprising someone with sweet treats, such as smiley face cookies, available at Cheryls.com.

You and your bestie may be the toast of the office when you send this pretty Sangria Bouquet “just because” you’re friends.

Give friends a reason to smile: Send them a sweet surprise treat such as these cheerful cookies and a gift card. Here’s another sweet idea: Treat your best friend to a floral “happy hour” at work with a Sangria Bouquet from 1-800-Flowers.com. After all, it’s 5:00 somewhere. To help out a hungry college student or overextended office worker, send a Snack Attack Sampler—a whimsical box loaded with four varieties of premium Gourmet Popcorn (Cheese, White Cheddar, Almond Pecan Corn, and Caramel), Soft-Baked Chocolate Chunk Cookies, Tootsie Roll Midgees, Gummi Bears and Red Licorice Twists from www.ThePopcornFactory.com. Now that you’ve created these

“just because” moments, suggest the Celebrations.com contributors and lifestyle gurus, Adriane and Claudia Kiss, you can share the fun again by using #justbecause on Twitter or visit www.justbc.com.

For a taste of fun, send someone you care for a few sweets plus popcorn in a variety of flavors.


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Pennysaver • November 21, 2013 • Visit Us Online: www.nysaver.com

Make The Most Of Your Next Vacation (NAPSA)—These days, people want more from their travels than new sights and sensations. Often, they also want to improve their lives and their health. What Travelers Want According to a recent survey conducted by a leading travel marketing organization whose focus is on the affluent market, the following health and wellness trends were identified: dining options, in-depth spa treatment menus and amenities such as yoga and Pilates. Options such as nutrition classes, personal training and outdoor activities are less in demand. •The U.S.A. and the Caribbean are among the most popular destinations for spa and wellness getaways. •The average spa and wellness vacation lasts four to seven nights. •More spa travel is with a significant other than with friends. •Many people are traveling to spots where they offer more healthful meal options.

Whether you want to grow more healthy, lose weight or just lighten your soul, spa and resort vacations have a lot to offer these days. Where To Get Good Advice The travel advisors of The Affluent Traveler Collection can help travelers make the most of their health and wellness vacation by providing exclusive access to special perks and amenities. Learn More For more information, visit www.theaffluenttraveler.com. Aspiring travelers can also read the organization’s magazine, available by subscription, through travel advisors, at major bookstores, on newsstands and in select airport lounges and select hotels.


Pennysaver • November 21, 2013 • For Advertising Information Call (914) 592-5222

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Tips For Navigating This Year’s Health Insurance Open Enrollment Season (NAPSA)—Open enrollment is the time of year, usually between September and December, when millions of Americans have the opportunity to select or switch their health insurance plan for the following year. Unfortunately, just 14 percent of Americans understand basic health insurance concepts such as deductible, co-pay, co-insurance and out-of-pocket maximum, according to a recent study published in the Journal of Health Economics. “Choosing health care coverage for yourself and your family is one of the most important decisions you will make this year,” said Tom Paul, chief consumer officer for UnitedHealthcare. “Fortunately, there are a number of useful resources people can use as they review and understand their options for selecting the plan that best meets their personal health and budget needs.” Beginning this fall, the Congressional Budget Office estimates that an additional 7 million people may participate in open enrollment as a result of the government’s newly created state health insurance exchanges, otherwise known as “marketplaces.” The exchanges are a component of the Patient Protection and Affordable Care Act (PPACA) and are designed to give people, especially lower-income individuals and families that may qualify for federal subsidy assistance, another resource to purchase health insurance. In general, most people who get health insurance at work will see little or no change in the openenrollment process, and people on Medicare, Medicaid and other government insurance programs are also not likely affected. The vast majority of Americans—about 157 million with employer-provided coverage, and more than 51 million Medicare beneficiaries—will continue to select a health insurance plan in the same way they have done in the past. Regardless of how you access health insurance, it’s important to pay attention to the following open enrollment dates and tips: •Employer-Provided Coverage—Fall; specific dates depend on the employer Most Americans receive employer-provided health benefits, so their open enrollment process will most likely stay the same. Large employers and some small employers typically schedule a two- to three-week period during the fall

T h e r e ar e a nu m b e r o f u s e f u l resources to help you choose your health care plan. when their employees can select health benefits for the following year. •Tip: Ask about wellness programs. Some health insurers, including UnitedHealthcare, offer incentive-based wellness programs that provide financial rewards for completing health assessments, lowering your cholesterol, losing weight or even signing up for a health coaching program. •Medicare Open Enrollment Period—Oct. 15 through Dec. 7 For most Medicare beneficiaries, the Open Enrollment Period is their only opportunity all year to make changes to their Medicare coverage. •Tip: Think about what’s changed regarding your health and your options. A lot can change in a year. Consider if your current plan is still meeting your health and budget needs. Medicare plans can change each year, too, so spend time reviewing the options available. Some Medicare Advantage plans offer additional benefits that can help enhance your health and wellbeing and save you money, such as vision coverage and hearing aids. You can compare your options using the plan finder tool at www.Medicare.gov. •Health Insurance Exchanges —Oct. 1 through March 31 A public health insurance exchange may be a good option for people who are eligible to receive a government subsidy that lowers monthly premiums. •Tip: Find out if you qualify for a subsidy. In general, subsidies are available to individuals who meet household income requirements and who are not eligible for certain government insurance programs (such as Medicaid) or do not have access to affordable coverage through their employer. For helpful information and resources, visit UHC.com and MedicareMadeClear.com. To learn more about health insurance exchanges, visit www.healthcare.gov.


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Pennysaver • November 21, 2013 • Visit Us Online: www.nysaver.com

Family-Friendly Tips From An Active Firefighter On How Play Can Help Educate Children About Fire Prevention (NAPSA)—Most children know what to do when approached by a stranger, but do they know what to do in the event of a house fire? According to the official sponsors of Fire Prevention Week, the National Fire Protection Association (NFPA), children under age 5 have historically faced a higher risk of fire death than the overall population due to a lack of preparation. In honor of National Fire Prevention Week, which takes place in October—but, according to the NFPA, should be an ongoing event—families should consider ways to develop fire safety plans that everyone in the house can remember and implement, especially the littlest in the bunch. “There are easy things that families can do to ensure safety year-round,” said NFPA expert and active firefighter Joe Molis. “For example, most people aren’t aware that fire extinguishers should be serviced annually. They buy one, tuck it away and assume it’ll work when they need it.” According to Molis, there are other ways to make fire prevention a more engaging activity for little ones. “We’ve found that one of the best ways to engage kids in a discussion of fire prevention is to make it fun and to leverage familiar activities, since the topic can sometimes be intimidating.” That’s why NFPA teamed with the popular children’s toy LEGO City to offer creative ways to use building bricks to educate the twothirds of households that have not prepared or practiced a home fire escape plan. They offer the following tips: •Build the foundation: Help children feel more comfortable discussing fire safety by working

together, then re-enact it in your home. This helps remind children about the importance of things, like keeping all exits clear of obstacles, and helps to build confidence during a real emergency. •Be a good fire chief: Set a good example for children. Encourage good habits by taking daily safety measures, such as ensuring there is an adult in the kitchen while food is cooking, storing matches and lighters out of the reach of children, and keeping things that can burn at least three feet from heaters. Snoqualmie, Washington mother of two, Gina Nunan, takes her kids to a firehouse every so often not only to “wow” them, but also to remind them of safety tips firsthand. “Most firehouses give free tours to children with advance notice,” said Nunan. “Hearing A firefighter made of plastic them firsthand from the guys in blocks helps children learn what uniform helps get those rules to to do in case of fire. stick in their heads.” Nunan also suggests reading books that incorporate fire safety tips at least every other month, like “No Dragons for Tea: Fire Safety for Kids (and Dragons),” written by Jean E. Pendziwol. For more information on fire preparedness in the home, parents can visit www.Sparky.org and print out the “Sparky’s Home Safety Checklist” under ACTIVITIES, then walk through the home with children, marking off the checklist to ensure the whole family is prepared for possible fires and is working together to actively prevent them. Additional child-friendly, fire safety–themed activities and tips from LEGO City and NFPA are available at www.BuildTogether. com. with them to construct their home out of a familiar medium such as LEGO bricks, addressing fire safety issues along the way. Point out that they should build and identify two ways out of each room, and that all doors and windows should open easily with a clear pathway for safe exit. •Find a safe place: Every fire evacuation plan should include a safe place to meet, like a tree, lamppost or neighbor’s porch, so your whole family can respond quickly to smoke alarms or other warning signs. Help children remember where that spot is by building it on their custom plan. •Practice your fire safety plan: Act out your fire safety plan at least twice a year. First, roleplay in the custom plan you build


Pennysaver • November 21, 2013 • For Advertising Information Call (914) 592-5222

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You Can Learn A Lot By Listening To Your Car (NAPSA)—Drivers who listen closely will find that their car is actually communicating with them by using a language all its own. Sounds such as squealing, thumping, hissing and grinding are all signs that your vehicle may be trying to tell you something. That’s the word from the experts at the Car Care Council. While many motorists are familiar with noises their vehicles make on a daily basis, any noise that is new, different or suspicious may indicate a problem. For example, a high-pitched squeal that stops when pressing on the brake pedal is a sign that a vehicle’s brakes should be inspected. The same goes for grinding that could be the result of worn brake pads that should be replaced. Thumping that increases and decreases with the speed of the vehicle could mean a trip to your local service center. The diagnosis may be a tire problem like a bubble in the sidewall or torn rubber that could lead to a blowout. Under The Hood As Well Sounds under the hood can also indicate that your vehicle is in need of attention. Hissing may be caused by a disconnected or cracked vacuum hose. A squealing noise while revving the engine could be due to a slipping drive belt. Inspection and repair will allow your vehicle to operate more safely and efficiently.

You Can Learn A Lot By Listening: Experts say that any noise your car makes that is new, different or suspicious may indicate a problem. “It’s important for car owners to listen and act accordingly when their vehicle speaks up,” said Rich White, executive director, Car Care Council. “By checking out what your vehicle is saying, you can take care of the problem now and avoid a breakdown or more costly repairs later. “The number of sounds a vehicle may make is endless, so when your car is trying to tell you something, it’s important to be alert, listen carefully and take action,” added White. The Car Care Council is the source of information for the “Be Car Care Aware” consumer education campaign promoting the benefits of regular vehicle care, maintenance and repair to consumers. For more information, visit www.carcare.org.


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Celebrations Of Aviation History Month Are Taking Flight (NAPSA)—When Orville and Wilbur Wright’s plane lifted off from its famous spot in Kitty Hawk, N.C. in 1903, aviation changed the world forever. Over the years, aviation has given the world several tremendously influential role models, from the Wright Brothers to Charles Lindbergh and Amelia Earhart, who challenged herself to become the first female pilot to fly around the globe. Much later, there were early astronauts, such as Neil Armstrong, who would never have landed on the moon if it weren’t for the pioneering science of aviation. Aviators have always proven that no matter how high an individual dreams, with imagination, hard work and perseverance, almost anything is possible. November is Aviation History Month, making it a great time to let your children’s imagination take wing and introduce them to the exhilarating world of flight. Here are six high-flying activities that parents can enjoy with their children to celebrate the importance of aviation: •Visit Museums: Museums are a great way to get children excited about learning. There are various aeronautic and aviation venues throughout the United States where your children can observe actual World War II planes, learn about Apollo 11 by viewing images of the first man to land on the moon, and even examine artifacts that were brought down from space. •Create a Kite: Who doesn’t

Aviation History Month is a great time to let your children’s imagination take wing, and introduce them to the exhilarating world of flight. recall childhood memories of flying a kite on a beautiful windy day? Aviation is more than 2,000 years old, with the earliest attempts using kites and gliders. Leonardo da Vinci drew several flight designs in the 15th century but never constructed any. Kites are a fun, inexpensive way for kids to be outside and entertain themselves. And making your own doesn’t have to be complicated. Start by searching the Internet for “how to create a kite.” Several different easy-to-create options pop up. •Hold Paper Airplane Competitions: All kids love to make paper airplanes and watch them soar in the sky. Have contests with your neighbors and friends to see whose can go the farthest, highest or loopiest. Prizes can be given for the best-flying and most creative planes. •Enjoy a Family Movie About Aviation: So many Disney films have been about dreams coming true, and everyone dreams of what it would be like to fly! On November 19, the whole family can take to the skies when Dis-

ney’s “Planes” releases for all to own on Blu-ray, DVD and Digital HD. Dusty the crop duster has dreams of being a racing plane, and with hard work and determination, he becomes one of the best to race. Also perfect for inspiring enthusiasm to learn more about aviation is a bonus feature hosted by ESPN’s Colin Cowherd, who presents a fun, fast-paced countdown of some of the greatest aviators in history. For more information, visit www.Disney.com/Planes. •Build Your Own Model Airplane: Inspire your child’s imagination by having him or her follow in the footsteps of the Wright Brothers. Treat your children to a trip to the toy store and let them choose their favorite model airplane kit. Spend the day together building the plane, while at the same time learning all the different parts that go into an airplane. •Research the History of Aviation at the Library: Spend time at your local library and have fun researching the evolution of aviation and the people who have contributed to it. You can then create an interactive experience with your children highlighting the favorite things they just learned about. First, help them compose a summary about what they liked best. Later, help them prepare a skit based on the planes and people they chose, dressing up and utilizing photos, drawings and even toy planes to share what they’ve found most exciting and amusing about aviation with others.


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Simple Eye Exam Could Help Save The Sight Of People With Diabetes (NAPSA)—Surprising new survey reveals that people with diabetes are unaware they need an exam that could protect their vision. For many people, having diabetes means more than regulating blood sugar levels—it also means facing a variety of other health problems and complications that can be overwhelming and difficult to prioritize. Everyone with diabetes is at risk for diabetic macular edema (DME), an eye condition that can cause permanent vision loss.1 A simple retina (dilated) eye exam can prevent most cases of vision loss due to diabetes.1,2 Yet, a surprising new survey suggests people are not taking action against the “unseen risk” of diabetes on their eyesight. According to a survey of 1,674 Type 1 and Type 2 diabetes patients via Diabetic Connect, the world’s largest online social network for people and families living with diabetes, one in four people with diabetes do not receive the recommended annual retina (dilated) eye exam—causing them to miss out on the chance to catch the condition early and potentially stop the damage before it worsens.3 If you or someone you love is living with diabetes and needs to protect their sight, these tips can help: 1. Know Your Vital Numbers 2. Talk to a Healthcare Professional Before There is a Problem 3. G e t an Annual Retina (Dilated) Eye Exam So why aren’t people getting retina eye exams annually? •They think they aren’t at risk: 36 percent of people with diabetes surveyed reported that they had only spoken with their doctor about vision loss when they were first told they had diabetes3 •They just didn’t know: 32 percent reported they didn’t know they needed a retina (dilated) eye exam3 •Nobody told them: 21 percent reported they had never had a conversation with their physician about the risks of vision loss from diabetes3 The Problem DME can cause permanent vision loss, which can inflict a

People with diabetes in particular would be wise to get their eyes checked regularly. financial burden on people, particularly workers who depend on good vision.1 In fact, a recent study of commercial drivers found the health benefit costs for people with DME are three times higher compared to people without diabetes and they are more likely to miss days of work annually compared to those that are unaffected by the condition.4 “People need to know about this. We need people to stay working, keep their jobs. I lost mine because I lost my vision. My husband is the only one who works now. If he loses his job, we will have nothing.”—Commercial Truck Driver Who is at risk for DME? There are approximately 26 million people living with diabetes in the United States. DME can progress quickly and cause damage to the eyes at any time, often without any initial signs or symptoms. More than 560,000 Americans have the condition. Yet approximately 55 percent are unaware that they have it. 5 Furthermore, according to the survey from Diabetic Connect, more than half of respondents didn’t know that DME is a leading cause of vision loss for people with diabetes.3,6 Vision is Worth Protecting Taking action early can help prevent permanent vision loss. The first step is to get a retina (dilated) eye exam each year by a retina specialist. To find out more about vision loss from diabetes, learn the importance of a retina (dilated) eye exam, or to locate a local retina specialist, visit: diabeteseyecheck.org.

References: 1 WebMD. The Risks and Complications of Uncontrolled Diabetes. Available at: http://diabetes. webmd.com/risks-complications-uncontrolled-diabetes. Accessed July 26, 2013. 2 C e n t e r s f o r D i s e a s e C o n t r o l . C a n ’t S e e C l e a r l y ? G e t Yo u r E y e s C h e c k e d . A v a i l a b l e a t : http://www.cdc.gov/Features/HealthyVision/. Accessed July 26, 2013. 3 Data on file. Alliance Health Eye Dilation Survey, May 14, 2013. 4 Brook RA, et al. How Does Diabetic Eye Disease Affect the American Worker? (Trucker)[Poster]. The 73rd Scientific Sessions of the American Diabetes Association (ADA), Chicago, IL; June 21–25, 2013 (accepted for presentation). 5 Bressler NM, Varma R, Doan Q, et al. Prevalence of Visual Impairment from Diabetic Macular Edema and Relationship to Eye Care from the 2005–2008 National Health and Nutrition Examination Survey (NHANES) [abstract]. The Retina Society 45th Annual Scientific Meetings, Washington, DC; October 4–7, 2012 (accepted for presentation). 6 A m e r i c a n A c a d e m y o f O p h t h a l m o l o g y. W h a t i s D i a b e t i c R e t i n o p a t h y ? A v a i l a b l e a t : http://www.geteyesmart.org/eyesmart/diseases/diabetic-retinopathy.cfm. Accessed August 27, 2013.


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Pennysaver • November 21, 2013 • Visit Us Online: www.nysaver.com

Education And Social Advancement In Morocco (NAPSA)—Removing party politics from education policy and providing young people with the training needed to succeed in a modern economy...these are but two of the issues addressed by King Mohammed VI in a recent speech in Morocco. The speech touched on a range of issues related to education and social advancement. “Why is it,” the King asked, “that so many of our young people cannot fulfill their legitimate professional, material and social aspirations?” More Must Be Done The King recognized the passion of Moroccan parents for educating their children, as well as the steps that Morocco has already taken to improve its education system. But he noted that more must be done—and done more quickly— to provide the skills, training and knowledge needed to prepare Moroccan youth for the success that will benefit their families, their communities and the country as a whole. King Mohammed VI candidly acknowledged a gap in quality between public and private education in Morocco. He also noted a shortage of skilled workers capable of achieving success in “Morocco’s new professions and areas of employment” and stressed the need for proficiency in foreign languages, as well as for vocational training in marketable skills. Building On Past Successes The King underscored the importance of removing politics from education policy in order to maintain a steady course of improvement by building on past successes. “It hardly makes sense,” the King said, “for each government

King Mohammed VI recently said more must be done to provide Morocco’s young people with the skills they need to succeed. to come with a new plan every five years and disregard previous programs.” Promoting A Dignified Life The King also spoke of another revolution, which he is spearheading, “with a view to developing human resources, achieving economic and social progress, and promoting a dignified life for our citizens.” He said it would be a “long, arduous journey ahead...to enable [education] to actually play its role as an engine for the achievement of economic and social advancement.” Recently, the King directed Morocco’s Higher Council for Education to carry out an evaluation of the achievements of the country’s National Charter for Education and Training over the past 10 years. He also called for “a broadbased, constructive debate on all the major issues of concern to the nation, in order to achieve the tangible results Moroccans are looking forward to.” This information is provided by Beckerman on behalf of the government of Morocco. Further information is available at the U.S. Department of Justice.


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Get Out And Active With Your Dog (NAPSA)—Dog owners who are active with their pets often enjoy enhanced health benefits, including lower blood pressure and stress, thanks to the increased physical activity and time spent with their canine companions. According to Dr. Brian Zanghi, research nutritionist at Nestlé Purina Pet Care, dogs should get an average of one hour of physical activity each day, more than twice the minimum recommended time for humans by the U.S. Department of Health and Human Services. “Dogs are natural athletes and in turn need daily exercise,” said Dr. Zanghi. “Active dogs with increasingly higher activity levels should have a diet that complements their level of athleticism. Dogs with active lifestyles are typically healthier, and like people, their athleticism can be optimized by diet, but with nutrients that complement a dog’s physiology.” What You Can Do Getting out and active with your dog can be easy and fun for you and the entire family. Dr. Zanghi recommends the following: 1. Start small—Begin your activity program with short walks, jogs and training sessions at 15-minute intervals. It’s important that your dog understands basic commands to make activity time more enjoyable. Remember to consult your veterinarian and medical professional before beginning any training program. 2. Track your progress—Set daily, weekly and monthly activity goals for yourself and your dog. Purina Pro Plan’s P5 smartphone app (free for iPhone and Android) can be a great tool to track your journey. The app includes training tips that range from basic commands to advanced agility drills.

Keeping your dog healthy and happy may be easier than you think—and good for both of you. 3. Make it fun—Remember, dogs are naturally playful and enjoy spending time with their owners. Vary your activities and reward your dog with praise and treats during activity sessions. 4. Get the family involved— Take turns as a family walking and training your dog. Include young children to help prepare them for a lifetime of healthy habits. 5. Provide proper nutrition and hydration—A diet high in fat and protein will increase an active dog’s metabolism and his endurance. Let him or her have access to water at all times, especially during long walks or locations away from home. Choosing the Right Food A proper diet can be easier to achieve with the help of dog food designed to help your dog be his best. Purina Pro Plan bioavailable formulas deliver optimal nutrient absorption, with less going to waste. Each Purina Pro Plan product is formulated with an optimal protein-to-fat ratio, to help dogs maintain an ideal body condition based on their breed size, life stage or activity level. Learn More You can find further facts and tips on training, feeding and caring for your dog online at www. proplan.com/p5.


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New Tools For Families Caring For A Parent With Alzheimer’s ( N A P S A ) — T h e r e ’s helpful news for those caring for a family member with Alzheimer’s disease. Thanks to the most experienced provider of in-home care for seniors, free resources are now available to help families cope with the common challenging behaviors associated with Alzheimer’s.

A free smartphone app has been developed to help families find solutions when they are caring for a family member with Alzheimer’s disease. The Home Instead Senior Care network is offering free Confidence to Care at Home kits. Available on www.helpforalzheimers families.com or from a local Home Instead office, the kit is an at-aglance collection of information, tips and resources to help handle difficult situations, avoid household accidents, encourage engagement and prevent caregiver stress. It’s designed for any member of the household to reference, anytime it’s needed. In addition, the company has developed a free, downloadable smartphone app that families can use to search behaviors and help find solutions when they have to quickly react. Called Alzheimer ’s and Other Dementias Daily Helper, the app is designed to help families manage issues as they arise, whether at home or in public. For example, if a smartphone user types in “wandering,” the app will provide a list of tips for addressing the issue right now and preventing it in the future. “Alzheimer ’s impacts not only the 5 million Americans with the disease, but also the handful of people that provide care and support for that person,” said Home Instead President Jeff Huber. “We want to replace fear with a sense of confidence that they are equipped to handle any situation.” For more i nformation about Home Instead’s free Alzheimer ’s and dementia support resources, visit www.helpforalzheimersfami lies.com.

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Software Can Help Kids Learn How To Type (NAPSA)—There’s good news for parents who would like to help their child or grandchild acquire a skill that can last a lifetime—typing. A new version of the awardwinning software Mavis Beacon Teaches Typing Powered by UltraKey is now available.

The latest edition of a software learning system uses a successbased approach to teaching typing. Learning to type is an asset for a child in elementary or middle school, or for a teen moving to high school or college. It can also assist a young adult post-graduation by making him or her a more suitable candidate for that first job. The Mavis Beacon program (Macintosh and Windows compatible) uses a success-based method to produce positive results in eight hours of instruction. Students start by setting goals for speed and accuracy and then incorporate new keystrokes, blending them into pairs, chains, words and, eventually, sentences. The system can also benefit those seeking new employment opportunities or who are re-entering the workplace. The program is available in two editions. The Family Edition offers a management tool for up to eight users, a parental guide and a user guide. The Personal Edition is geared for the single user. To learn more or buy a copy, visit www.encore.com.


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Important News For Seniors With Diabetes (NAPSA)—Recently, the approximately 10.9 million American seniors on Medicare1 who live with diabetes were alerted to new changes that could impact access to their blood glucose testing supplies. Many people with diabetes use these supplies—including blood glucose meters and testing strips— to monitor their blood glucose (also known as “blood sugar”). Learning to use and maintain a blood glucose meter usually requires practice, and, over time, patients often become very comfortable with a particular meter. This is important, because consistent blood glucose monitoring is critical to help people with diabetes track blood glucose levels, identify the best approach to control their diabetes, and avoid the potentially serious complications of the disease.2 Medicare Changes The Centers for Medicare and Medicaid Services (CMS) recently instituted a new program that reduces Medicare reimbursement for certain diabetes testing supplies, including blood glucose test strips, for people with diabetes.3 These changes could limit seniors’ access to their preferred diabetes testing supplies—those they’re comfortable using and that their doctors recommend. CMS may suggest that patients switch to unfamiliar products, causing confusion or frustration. Or worse, according to a survey by the American Association of Diabetes Educators,4 patients who can no longer access the products they’re comfortable using may test their blood glucose levels less frequently or stop testing altogether. This could potentially result in poor blood glucose control.

Medicare changes for blood gluclose supplies need not cause seniors with diabetes to test their blood glucose less frequently or stop testing. Support services are available! Finding Support A number of resources are available to help seniors with diabetes understand and manage the Medicare changes and make it easier for them to access their familiar supplies or, alternatively, find new products that are both appropriate for them and affordable. The A m e r ican Diabetes Association (www.diabetes.org) provides comprehensive information and guidance regarding the changes. Many blood glucose testing suppliers provide free training and support services for seniors who either decide to switch products or want to continue using their familiar supplies. To help seniors navigate through these changes, the global health care company Abbott has enhanced its FreeStyle Promise® diabetes support program to provide new resources and support services to Medicare patients. Seniors with diabetes, their doctors and caregivers can learn more about Abbott’s FreeStyle Promise program at http://www.freestyle coveredbymedicare.com and 1-855578-2660.

1 http://www.diabetes.org/advocate/our-priorities/health-care/medicaid-and-medicare.html 2 http://www.diabetesaustralia.com.au/Living-with-Diabetes/Type-1-Diabetes/Managing-Type1-Diabetes/Blood-Glucose-Monitoring/. Accessed July 26, 2013 3 http://www.cms.gov/Outreach-and-Education/Outreach/Partnerships/Downloads/ DMEPOSBeneFactSheetNatMailOrderProgApril201311634.pdf 4 h t t p : / / w w w. d i a b e t e s e d u c a t o r. o r g / e x p o r t / s i t e s / a a d e / _ r e s o u r c e s / A d v o c a c y / AADE_DME_ SURVEY.pdf FreeStyle and related brand marks are trademarks of Abbott Diabetes Care Inc. in various jurisdictions. Precision and related brand marks are trademarks of the Abbott Group of Companies in various jurisdictions.


Pennysaver • November 21, 2013 • For Advertising Information Call (914) 592-5222

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Considerations For Cash (NAPSA)—Life changes can happen at any time. From car repairs to medical bills and tuition payments, these changes can upset the delicate financial balance that many consumers need to maintain. What options are available to consumers to cope with these changes? Credit Cards—When using a credit card for a cash advance, consumers are often faced with high interest rates of more than 20 percent. Also, depending on the balance, making just the minimum payments each month can extend the life and total amount of debt. 401(k) Savings Accounts— Taking money from this fund may not be the best choice to address financial needs. In addition to reporting this money as taxable income, withdrawals from a 401(k) may be subject to extra taxes of 10 percent. Payday Loans—A short-term, unsecured loan providing cash advances based on employment records, payday loans can be extremely costly. With annual percentage rates frequently approaching 400 percent, other options should be considered. Personal Bank Loans— Many consumers turn to personal bank loans to get the money they need to cover major expenses. However, it’s important to weigh the immediate need for cash against the interest and debt that must be repaid over time. Peer-to-Peer Lending— Although boasting lower interest rates than traditional banks, peerto-peer lending can pose a risk to borrowers. Borrowers often do not know who their actual lender is, as these arrangements are usually set up by a third party. Therefore, borrowers may find their loan

When extra cash is needed to respond to life emergencies, selling all or a portion of structured settlement payments for a taxfree lump sum can be a sensible choice. falling through at a time when they need the money most. Structured Settlement Payment Sales—Personal injury lawsuits, malpractice claims and other payouts can be distributed in structured settlements. These payments are divided over several years and structured to provide a steady stream of income based on each consumer’s individual situation. When extra cash is needed to respond to life emergencies, selling all or a portion of these settlement payments in exchange for a tax-free lump sum can be a sensible choice. This transaction provides consumers with the money they need now, is not contingent on the consumer ’s credit, and creates no future obligation to pay anything back. This can give consumers the ability to obtain the funds they need without accumulating debt. In addition to state and federal laws, a judge approves each and every structured settlement sale to third-party buyers. J.G. Wentworth is an industry leader in purchasing structured settlement payments. To learn more, visit www.jgwentworth.com or call (866) 429-9050.


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Pennysaver • November 21, 2013 • Visit Us Online: www.nysaver.com

Heat Up The Holidays With Cool Appliances (NAPSA)—From party prep to everyday dinners, cool home appliances are the tools you need for delicious recipes—plus they make great gifts for practically anyone on your list. Some Suggestions •This year, give the gift of looking sharp. The Black & Decker Digital Advantage Iron D2030 ($44.99) with a vertical steam option helps fight tough wrinkles without an ironing board, for noticeable results every time. It also has an easy-to-read digital display that alerts you to changes in temperature, steam and all your iron settings. •To show your good taste, give the gift of culinary excellence. The Black & Decker 9-Slice Rotisserie Convection Countertop Oven TO4314SSD ($149.99) includes a removable rotisserie rack, two toasting trays, and a bake pan for endless cooking options. You can choose from bake, broil, toast and keep-warm functions to maintain the best setting for any food. A removable crumb tray and dishwasher-safe parts make for easy cleanup. •Give the gift of healthier grilling to college students and families with the George Foreman 5-Serving Removable Plate Grill GRP2841R ($59.99). An exclusive fat-removing design helps balance every meal while the grill’s nonstick plates eliminate the need for oils or butter. This variable-temperature grill has a floating hinge and dishwasher-safe removable plates, making it easy to use and easy to clean. The large contact grilling area holds up to five servings at once for quick and easy family meals in fewer than 20 minutes. •Whip up these delicious George Foreman recipes for your guests to enjoy: Southern BBQ Turkey Sliders 11⁄4 pounds lean ground turkey 4 tablespoons Neely’s Barbeque Sauce kosher salt and freshly

Gina Neely, Food Network personality

ground black pepper 12 slider rolls 2 plum tomatoes, sliced green leaf lettuce, for garnish Preheat the George Foreman® grill to medium-high heat. Mix the ground turkey, barbeque sauce, salt and pepper together in a large bowl. Form into 12 small ½-inch-thick patties. Grill the patties for 3–4 minutes or until completely cooked through. Remove the patties and grill the buns until toasted. To assemble burgers, place a patty between the buns and top with lettuce and tomatoes. Makes 12 sliders (2/person) Per Serving: 362 calories, 25g protein, 38g carb (4g fiber), 12g fat (3g sat), 90mg chol 3 protein, 2 grain Grilled Fillet with Mushrooms 1 medium portobello mushroom, stem removed and gills scraped clean 1 teaspoon freshly chopped thyme 2 teaspoons olive oil 2 (4-ounce) filet mignon steaks kosher salt and pepper ¼ cup light dressing of your choice 2 cups fresh greens

Grilled Baby Red Potatoes 8 ounces baby potatoes, scrubbed well kosher salt and freshly ground black pepper 1 tablespoon roughly chopped parsley Heat George Foreman® grill to medium-high heat. Place the portobello cap onto the grill and cook for 10 minutes, until completely tender. Remove from grill, season with salt and pepper, slice into strips and add to a small bowl. Sprinkle with freshly chopped thyme. Cover with foil to keep warm. Rub steaks with olive oil and season on both sides with salt and pepper. Grill steaks until medium, about 6 minutes. Remove steak from grill. Add potatoes to a medium saucepan. Cover potatoes with cold water and add a big pinch of salt. Bring to a boil, reduce heat to a simmer and cook for 6 minutes. Drain well and pat dry. Slice potatoes in half. Place in grill and cook for 5 minutes, until tender and crisp. Sprinkle with parsley when served. Serve the steak with grilled mushrooms on top along with greens tossed in dressing and grilled potatoes. Serves 2 Per Serving: 391 calories, 37g protein, 22g carb (3g fiber), 17g fat (5g sat), 93mg chol 4 protein, 2 grain, 1½ vegetable, 2 fat Learn More Go to www.georgeforemancook ing.com to learn about the George Foreman Grills Weight Loss Challenge, $2,500 grand prize and delicious recipes. For more on the appliances, visit www.blackand deckerappliances.com.


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1999 SUBARU LEGACY Wagon- Perfect, auto, AC, 4x4, loaded, very clean, $3495 Car City of Danbury 203-730-9296

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2004 Honda Civic EX Mint, auto, AC, 2 yr warranty, We finance all credit. as low as $600 down Car City of Danbury 203-730-9296

Car City of Danbury 203-730-9296

1999 Toyota Corolla Perfect, auto, a/c, good miles, extra clean $3695 We finance all Car City of Danbury 203-730-9296

1999 VW Passat Nice, auto, AC, loaded, 91k miles. $3955. We finance all credit Car City of Danbury 203-730-9296

2004 VW Bug Convertible Excellent condition, auto, AC, loaded, good miles, $4995 Just serviced Car City of Danbury 203-730-9296

2006 Nissan Murano Like new, auto, AC, 4x4, loaded, 2yr warranty, EZ credit w/ $1900 down Car City of Danbury 203-730-9296

2007 Jeep Grand Cherokee

2008 SUBARU LEGACY Perfect condition, auto, AC, 4x4, warranty, EZ credit w/ $1500 down Car City of Danbury 203-730-9296

2009 Pontiac G6 MINT, auto, AC, V6, loaded, very cleanAll credit approved $9995 Car City of Danbury 203-730-9296

2009 Toyota Camry Like new, auto, AC, loaded, 29k original miles. EZ credit approval w/ $2000 down. Car City of Danbury 203-730-9296

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2002 TOYOTA PRIUS

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Perfect, 5 speed, AC, 4 dr sedan, sporty, 4x4, EZ credit w/ $1900 down Car City of Danbury 203-730-9296

Perfect, auto, AC, 4x4, 90k miles, runs and looks great, $5995 or we finance Car City of Danbury 203-730-9296

2007 Suburu Impreza

2002 Subaru Imprezia

Perfect, auto, AC, 4x4, loaded, warranty, EZ financing w/$1,800 down, Car City of Danbury 203-730-9296

Perfect, auto, AC, sunroof, 4 dr blue, $3995 or we finance Car City of Danbury 203-730-9296

2002 Honda Civic EX

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GET CASH TODAY for any car/truck. I will buy your car today. Any Condition. Call 1-800-864-5796 or www.carbuyguy.com

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WANTED JAPANESE MOTORCYCLE KAWASAKI 1967-1980 Z1-900, KZ900, KZ1000, ZIR, KX1000MKII, A1-250, W1-650, H1-500, H2-750, S1-250, S2-350, S3-400 SUZUKI GS400, GT380, GT750, Honda CB750 (1969,1970) CASH. FREE PICKUP. 1-800-772-1142, 1-310721-0726 usa@classicrunners.com

2010 Honda Accord EX MINT, auto, AC, sunroof, loaded, nice warranty, EZ financing w/$1900, 2 yr warranty Car City of Danbury 203-730-9296

2011 Nissan Altima MINT, auto, AC, loaded, low miles, EZ credit w/ $1700 down, 2 yr warranty Car City of Danbury 203-730-9296

Like new, auto, AC, sunroof, 2 yr warranty, EZ credit w/$1500 down. Car City of Danbury 203-730-9296

Perfect, auto, AC, good miles, Hybrid 40 MPG extra clean $4995 Car City of Danbury 203-730-9296

2012 Nissan Sentre SR MINT, auto, AC, loaded, 37k miles, EZ credit w/$1900 down, 2 yr warranty Car City of Danbury 203-730-9296

Donate Your Car to Veterans Today! Help those in need! Your vehicle donation will help US Troops and support our Veterans! 100% tax deductible Fast Free pickup! 1-800263- 4713

2002 Dodge Ram 2500 w/ plow. Perfect condition, auto, AC, V8, 4x4, very clean, low miles $9995, Car City of Danbury 203-730-9296

2003 Dodge Dakota Quad Cab, Like new, auto, AC, 4x4. good miles EZ credit approval w/$2000 down Car City of Danbury 203-730-9296

2004 Ford F350 Extra cab Mint condition, auto, AC, 4x4, V8- diesel, $14,995 or we finance, bad credit ok Car City of Danbury 203-730-9296

2005 Ford F150 Perfect Auto, AC, V8, 4x4, Extra clean, $7995 We finance all credit Car City of Danbury 203-730-9296 11/21/2013 B AUTO

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Pennysaver • November 21, 2013 • For Advertising Information Call (914) 592-5222

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VIP Health Care Services 459 Main St. New Rochelle NY 10801 (914) 654-6540

CNA’S WANTED FOR LOWER WESTCHESTER Interim Healthcare invites compassionate and reliable CNA’S to explore our opportunity for Hospital staffing in the Bronx.

Home Care Position Per Diem RN’s Needed Licenses w/ at least min 1 year of Home Care Experience Please fax resume to 914-946-2031 Att: HR Manager or email: phcampbell@interimhealthcare 11/21/2013 B EMPLOYMENT

REQUIREMENTS: • NY State License • Physical done in the past year • Current TB test (within 1 yr) or if Positive, negative chest x-ray results & TB Questionaire • Current BLS card • Positive Rubella, Rubeola, Mumps & Varicella • Hepatitis B refusal or vaccine history • Resume-work history • 2 professional work references For consideration please fax resume’s to 914-946-2031 Attn: HR Manager or email to: phcampbell@interimhealthcare

Reach Every Home With TriState Pennysaver FOOTLOOSE AND... Jules W. Rabin

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hen should you think about taking Social Security to receive FULL benefits? To receive FULL benefits you should claim them at FULL RETIREMENT: age 66 if born between 1943 and 1954. If you claim by 62 they will be cut by 25 percent. Your FULL benefit jumps by eight percent for every year between 66 and 70 if you do not put in an early claim. CHECK OUT “FALL DEALS”. New models of large appliances like washers, dryers and dishwashers as well as certain refrigerators hit the marketplace in the fall, thus a deal on last year’s model becomes quite possible. Smaller items: toasters, blenders and coffee makers, etc. are discounted this popular time of year for weddings.

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GET CHEAP FLIGHTS. Book on a weekend since Saturday and Sunday averages five per cent less. The reason: business travelers generally book on weekdays, using the company’s dollar. The airlines shoot for more price conscious leisure travelers with lower weekend prices. WHAT’S IN YOUR WALLET? It should not be your original Medicare card. Rather, make a photocopy and cut out the last four numbers. The same security measure should go for other key things. Place a Fraud Alert on your file at the three major credit bureaus Experian (888-392-3742); Equifax (888-525-6825); and Trans-Union (800-680-7209). It is often free if you are 65 or older. COMMUNITY (This community service represents the views of Jules W. Rabin only)

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BX Your ad here for as low as $99 Westchester $59 Rockland $39 Bronx

Pennysaver • November 21, 2013 • Visit Us Online: www.nysaver.com

EMPLOYMENT School Bus & Vans Plus Drivers for Westchester Para Transit

$8,000 COMPENSATION. WOMEN 21-31. EGG DONORS NEEDED. 100% Confidential & Private. Help Turn Couples Into Families with Physicians on the BEST DOCTOR’S LIST. 1-877-9-DONATE; 1-877-9366283; www.longislandivf.com

DRIVERS WANTED

$1000 WEEKLY** PAID IN ADVANCE!!! MAILING BROCHURES or TYPING ADS from home. FREE Supplies! Genuine Opportunity, PT/FT. No Experience Needed! Www.Mailing BrochuresFromHome.com

ACTORS/MOVIE Extras Needed immediately for upcoming roles $150$300 per day depending on job requirements. No experience, All looks needed. 1-800-561-1762 Ext A-104, for casting times/locations. APPLY TODAY-START TOMORROW!! GRAND OPENING - Appco is an expanding Int’l Marketing /Sales Co. w/ 20 positions to fill immediately in our new White Plains Office.No exp necessary. Full training given. Basic Salary + Commision. FT hrs 18 & over applicants. For an immed. interview call Bianca 914-220-5500

Bring Home the Money Are you great with words? Do you feel that you are a natural born sales man/woman? Come work with MLS the best of the best Make $10-$15/hr + commission/ fat bonuses/vacations, and many more ways to make money. We are looking for 20 more hard working people who are dedicated & ready to work! Must be great with Words This position will fill quicklly! CALL JACK 914-967-5297

DRIVING INSTRUCTORS P/T

800-734-2909

Health Benefits 401k Paid Vac./ Holidays Free Unforms YEAR Round Work CDL-BP,C-P preferred, minimum CDL permit Will Train. Clean license & clean criminal background check required

Call Cheryl 914-380-5820

Warehouse Temporary FT position, M-F, Days, 8-4. Stocking & loading warehouse and making deliveries on campus. Previous warehouse experience and computer skills preferred; drivers license required.$12.50hr. Apply online www.fourwindshospital.com, fax resume 914-763-8472. EOE

You may not see bugs & rodents outside, but we’re still busy! JPMcHale Pest Mgmt.Inc. is looking to hire immediately. You must be organized, able to work independently, communicate effectively with coworkers, management, & customers, be service oriented, and be willing to learn. We pay full wages while you train! Required: clean/valid DL & HS diploma/GED. Email resume & cover letter to Careers@NoPests.com. EOE

AZOR HOME CARE

HHAs PCAs NEEDED FOR COMPANY EXPANSION Must be reliable with 1 to 2 yrs experience and have charisma and lots of tender loving care to help the elderly.

3 Shifts Available 8am-4pm 4pm-Midnight Midnight-8am

Please call M-F 9-5

White Plains Bus x152 EOE Immediate Opportunity for Men and Women. Entry-Level Oilfield Jobs Starting at $64,000-$145,000/Year. No Experience Necessary. Call 24hr Free Recorded Message 1- 888-4504902

2:00 pm.- 7:00 pm Mon -Fri. Good salary. Will train & certify.

Recent Retirees Welcome.

Unionized facility (1199) Competative Salary & Benefits We provide transportation for late night shifts .

14 Fisher Lane, White Plains

(914) 328-1400

MAQUININISTAS CNC-TORNOS $19/HR - $27/HR

FOOD SERVICE/CASHIER experienced 10 a.m.-2 p.m. 5 days/week Rye Neck Schools. (914) 777-4845 or email to noto-stephanie2@aramark.com Good Money! Weekly! Processing Mail and Mailing Brochures! Experience Unnecessary! Start Immediately! WWW.MAILINGNOW23.COM 1888-285-7643 HELP WANTED Earn Extra income Assembling CD cases From Home. Call our Live Operators Now! No experience Necessary 1-800-405-7619 Ext 2605 www.easyworkgreatpay. com

For immediate interview

Call 914 665 - 8701 Direct Care/ Mental Health Worker Entry level position working with Acute Psychiatric Patients, Child through Adult. Twelve hour shifts, Per Diem to Full time Positions. BA a plus, 2 year degree or 2 years of college completed preferred. Apply online @ Fourwindshospital.com, fax 914-763-8472, tel 914-763-8151 ext 2585. EOE.

Dependiendo de la Experiencia Turnos dias y noxhes. Overtime y Excelentes beneficios. Ofrecemos entrenamiento para progresar. Hablamos Expanol. Estamos Localizados al lado de la estacion del tren en Ossining 19 Water St. Ossining, NY 45 minutos de la parada de Yankee Stadium

914 941- 8566 Email:hr@metcar.com E.O.E.


Pennysaver • November 21, 2013 • For Advertising Information Call (914) 592-5222 Your ad here & Online www.nysaver.com

Advertise Your Real Estate Display Ads & Listings Reach over 275,000 potential Buyers and Sellers!! For more information Call Jessica 914-380-5825 jgrogan@nysaver.com Tri-State Pennysaver

REAL ESTATE THINKING OF BUYING OR SELLING A HOME ? Get The Best Agent "IN YOUR CORNER! FIGHTING" for The Best Deal Whether Buying or Selling. Call today for a FREE MARKET ANALYSIS of what your home is worth. www.BUYANDSELLYONKERS.com

Don M O’Regan Licensed Realtor

914-482-3452

BIG HUNTING LODGE: House, 8 acres adjoins 538 acre Deer Creek Forest. Bass ponds, fruit woods, $99,900. www.LandFirstNY.com 1-888-6832626 Buy/Sell/Rent-4 Sale- N.Yonkers coop Lg 2BR, 2 full bth. Elev. pool & parking. 4 Rent-NE Yonkers Lg 2 1/2 BR, LR/DR Palmer Rd/Saw Mill River Rd vic. $1400. Deldav RE 914-375-0888 917-930-5887 www.deldavNYrealestate.com DO YOU HAVE VACATION PROPERTY FOR SALE OR RENT? With promotion to nearly 5 million households and over 12 million potential buyers, a statewide classified ad can’t be beat! Promote your property for just $490 for a 15-word ad. Place your ad by calling 914-380-5825

Glossy postcards mailed to homes only 12¢ each (includes design, print, mail)

Yonkers - Dundwoodie- 2 Fam Reduced Price $549,000- Each apt has 3BRs, LR, Kit, 1.5 Bths.Bsmt w/ sep entrance.2 car gar, corner prop.

GETAWAY CABIN - 5 ACRES $59,900. 3,000 ac State Land, snowmobile trail, 2 hrs NY City, 1/2 hr Albany! Add’l land also avail! NO CLOSING COSTS! CALL 1-888-7011864 www.NewYorkLand andLakes.com

On Twin Ponds w/ 34 Acres - $39,995 Beautiful Woods w/ Large Wildlife Ponds Full of Ducks, Geese & Deer. Minutes to Syracuse, Salmon River, Oneida Lake. Call 1-800-229-7843. Financing Available. Or visit www.landandcamps.com TIMBERLAND INVESTMENT! 60 ACRES - $99,900. G’teed income, adjoins State Land, nice views, stonewalls, 2 Hrs NYC, 1/2 hr Albany! NO CLOSING COSTS! CALL 1888-775-8114 NOW!

Yonkers Homefield Just listed Very large lot, 3BR, 1.5bth, LR, DR, EIK w/Central AC, Garage. Many updates $359,000

Capobianco Realty (914)963-5522

WESTCHESTER HARRISON-STERLING ACRES 5,000SF custom-built colonial w/9ft ceils, cul-de-sac, 5BRs, 3 1/2bths, parking for 9 cars: 2 indoors/7 outdoors. 5,000SF, wide driveway,1 1/3 ac, lovely grounds, fully landscaped, ample space for storage. $8,500/mo. NO FEE (House chosen for filming "FAIR GAME" 3/2009 & "THE LEFTOVERS" 5/2013) Must see!

Call owner 914-967-5161

For more information Call Jessica 914-380-5825 jgrogan@nysaver.com

CATSKILLS MINI FARM 35 acres Tri-State Media Farmhouse - $149,900. Farmhouse, barn, pond, stream, springs, gorgeous views! New Delhi, less than 3 Putnam Valley $200,000 hrs NYC!. Owner terms avail! Call 13BR House on 3.8 Acres. 2BTHs, 888-431-6404 www.NewYorkLand Dining Room, Kitchen. Needs Work. andLakes.com Call 845-284-2288

SCARSDALE/EASTCHESTER 1st FLOOR OFFICE SPACE AVAIL For pricing & info please call ZLD Realty LLC 718-654-1319

Greenwich, CT Studio,1,2 & 3 BR’s $1,300 - $2,450 Central Greenwich Greenwich Close Apts hd/wd floors, terraces, heat included, small pets allowed - on site mgt. short/long term leases, covered/outside parking Call Mon-Sat. 8:30-4:30

203-869-7575 RETIREMENT APARTMENTS, ALL INCLUSIVE. Meals, transportation, activities daily. Short Leases. Monthly specials! Call (877) 210-4130

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Call Jessica 914-380-5825

COLUMBIA COUNTY HOMES CLASSIC CONTEMPORARY POST AND BEAM. REDUCED FROM $500,000. NOW JUST $349,000. OPEN FLOOR PLAN. 4 BEDROOMS, 4 BATHS, CATSKILL MOUNTAIN VIEWS. 3 WOOD BURNING FIREPLACES. FIRST FLOOR MASTER SUITE. ILLNESS FORCES SALE. COME SEE THIS SPECTACULAR HOME AND MAKE AN OFFER. Call ANN LEVITT, BEACH AND BARTOLO REALTORS Phone 518-965-2595, annlevitt@beachandbartolo.com

COLUMBIA COUNTY HOMES LAKEFRONT CONDO AT LONG LAKE. 3 BEDROOMS, 3 BATHS. SWIMMING, BOATING, TENNIS, BIKE , HIKING AND CROSS COUNTRY SKIING TRAILS. OVER 200 ACRES. YEAR ROUND VACATION AND WEEKEND FUN. FIRST FLOOR MASTER SUITE. PRICED TO SELL AT $399,000. Call ANN LEVITT, BEACH AND BARTOLO REALTORS Phone 518-965-2595, annlevitt@beachandbartolo.com COLUMBIA COUNTY HOMES LARGE LAKEFRONT HOMEKINDERHOOK LAKE-REDUCED FOR QUICK SALE. OVER 2000 SQ. FT. TWO DOCKS, LARGE DECK OVERLOOKING MOTORBOAT LAKE. EXCELLENT CONDITION. ASKING $399,000. Call ANN LEVITT, BEACH AND BARTOLO REALTORS Phone 518-965-2595, annlevitt@beachandbartolo.com COLUMBIA COUNTY HOMES MINI-ESTATE - 10 ACRES DOWN A COUNTRY ROAD WITH BREATHTAKING VIEWS. STURDY FARMHOUSE. FIRST TIME ON MARKET IN 60 YEARS. QUEECHY LAKE RIGHTS. CLOSE TO BERKSHIRE ACTIVITIES INCLUDING JIMINY PEAK SKIING AND TANGLEWOOD. LISTED AT $299,000. Call ANN LEVITT, BEACH AND BARTOLO REALTORS Phone 518-965-2595, annlevitt@beachandbartolo.com 11/21/2013 B REAL


SEE INSIDE NOVEMBER 21 2013

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The “Prettau Permanent Implant Bridge” is now available at Sparkle Dental! The Prettau Bridge100% Zirconia

No acrylic, No chipping No compromises!

We are pleased to inform you that our office is now in network with the following dental insurance plans: Cigna, Guardian, Aetna, Careington, Empire Blue Cross Blue Shield, Delta Dental, Assurant, White Plains Teachers Association No dental insurance? No problem. We offer in-office patient healthcare payment plans through: Carecredit, City Health Card

Sparkle Dental Call 914.668.1722 153 Stevens Ave., Suite 1• Mt. Vernon, NY We reserve the right to submit for insurance reimbursement to the doctor for exam, consultation & X-ray

317631

Most insurance will cover 100% preventive treatments.

SENIOR CITIZEN

COURTESY 10% OFF For uninsured patients only


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