Pocono Family Magazine Sept/Oct 2020

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M A G A Z I N E

• September/October 2020 •

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LEADING SHOT Photo taken by James Chesnick

2 | Pocono Family Magazine September/October 2020

...and your family!

St. Luke’s Pediatrics is taking every measure to keep you and your child safe.

With our expanded services, patients have access to an inpatient Pediatrics Unit and a Pediatric Intensive Care Unit (PICU). Primary and specialty pediatric services include: • General Surgery

• Endocrinology

• Pulmonology • Cardiology

• Developmental Pediatrics

• Gastroenterology

• Psychiatry

• Neurology

• Dermatology

• Nephrology

• Plastic Surgery

Our Pediatric offices are open and safe.

• Keep your scheduled appointment.

• Keeping up with recommended vaccinations and check-ups is important. Schedule an appointment.

Shaheen Timmapuri, MD Section Chief Pediatric Surgery

Caring for Your Future.

• In-office visits, virtual visits and curbside consultations are available.

• We are all masking for you.

sluhn.org/pediatrics September/October 2020 Pocono Family Magazine © | 3

POCONO MAGAZINES

Pocono Magazines, LLC PUBLISHING

Pocono Living Magazine© & Pocono Family Magazine© 1929 North 5th Street Stroudsburg, PA 18360 570-424-1000 pmags@ptd.net www.poconomagazines.com PUBLISHER/EDITOR Larry R. Sebring larry@poconomagazines.com ACCOUNT REPRESENTATIVES Linda St. John, 570-856-8155 MAGAZINE & WEB DESIGN Smart Blonde Creative Food & Wine Editor Jamie Bowman

PHOTOGRAPHY & ART Veronica Murray Andrei Protsouk David Sandt Lisa Newberry James Chesnick Barbara Hornstra Marlana Holsten Matt Siptroth William McKee Barbara Lewis Linda Zak Nancy Tully Maritza McFaline Vinzon Lee CONTRIBUTING WRITERS Roseanne Bottone Kimberly Blaker Marty Wilson Suzanne McCool John C. Moore Jim Werkheiser

Jamie Bowman Kathy Dubin-Uhler Amy Leiser Amanda Kuhn William M. Williams Janet Mishkin

Allison Mowatt ADMINISTRATIVE ASSISTANTS Kristen Sebring Linda Spalluto

PROUD MEMBERS OF

Pocono Living Magazine and Pocono Family Magazine, two regional publications filled with articles, features and photography exploring and capturing the real Pocono Mountains living experience.

Our publications can be found at many locations throughout the Pocono Mountains region, and are available by subscription.

4 | Pocono Family Magazine © September/October 2020

The information published in this magazine is believed to be accurate, but in some instances, may represent opinion or judgment. The publication’s providers do not guarantee the accuracy or completeness of any information and shall not be held liable for any loss or damage, directly or indirectly, by or from the information.© 2016 Pocono Magazines. All rights reserved. No part of this publication may be copied, reproduced or transmitted in any form or by any means without the expressed written permission of the publisher.

WHAT’S INSID

WHAT’S INSIDE EDUCATION

10

6 10 12

• Fun iPhone Apps for Kids • Emotionally Preparing for Back to School • Support Students

FAMILY 14 18 20

• Creating a Family-Friendly Staycation • Rethinking Screentime • Safe Entertaining Tips

FINANCIAL 22 24

AUTOMOTIVE

20

26

• Basics of Virtual Car Buying

PET 28

32 38

32

• Post-Quarantine Routines

FOOD

• Breaking Bread • Essential Pantry Staples

HEALTH 40

• Finding Your New Groove

HOME 44 46

48

50

40

• Tips for Refinancing • Advice to Build Your Business

• Home Maintenance Tips • Things to Know About Solar Panels

55+

• Ways to get the Benefits You Deserve

COMMUNITY

• In & Around the Poconos

September/October 2020 Pocono Family Magazine © | 5

Education

6 | Pocono Family Magazine Š September/October 2020

FUN PHONE APPS

for kids

THAT STIMULATE THINKING & CREATIVITY By: Kimberly Blaker

With a massive sea of kids' phone apps on the market, which ones best maximize kids' media time? The following is a selection of kid-tested and parent-approved apps to help boost kids' critical thinking skills and creativity.

Piano Kids.

Music & Songs. Free for Android. Ages 3+. This top-rated app teaches kids and parents how to play musical instruments, including the piano, xylophone, and drums. It exercises children's memory, concentration, creativity, listening skills, and motor skills.

Flow Free.

Free for all platforms. Ages 8+. This color-based game offers various levels of play to sustain the interest of grade-school kids on up to adults. It improves complex thinking skills as players try to connect the dots to create pipes without crossing over another color.

Super Family Hero.

Free for all platforms. Ages 4+. Kids and parents can enjoy this family game with individual levels of difficulty that make the game challenging yet fair to all players. Create custom Avatars, then use Interactive Stories to play mini-games, and attempt to defeat Dr. Excuses.

Photo courtesy of Shutterstock

Heads Up!

Free for Android. $1 Apple. Ages 6+. Based on the Heads Up! game created by Ellen DeGeneres, this family game is a blast for all ages. A player holds the phone on their head with an image facing out for the other players to see. The player's September/October 2020 Pocono Family Magazine Š | 7

Photo courtesy of Shutterstock

teammate then acts out the image shown on the phone while the teammate holding it up has to guess what his teammate is acting out.

Kids Build & Crash Blocks Game.

art tools including pen, calligraphy, airbrush, crayon, pastel, sponge, eraser, and more. When doodles are complete, the art can be saved and even played back as a cartoon. This is a fun app for kids to adults.

Unblock Me Free.

Free for all platforms. Ages 1 – 4. Toddlers and preschoolers can build tall towers with colorful blocks while learning their colors and numbers. When they're done building, children thrill at crashing the tower. Your child can never lose in this game.

The app also features fun sound effects and animations.

Free for all platforms. Ages 7+. This mental workout boasts 16,000 puzzles in all. The object of the game is to unblock the red block in as few moves as possible. Kids and adults can compete with friends and players around the world.

Lego City My City 2.

3/2 Chess.

Free for Android. Ages 7 – 14. With 15 mini-games in all, players go on thrilling car chases to catch thieves, blast off into space, and do underwater exploration. As players move through the game, they earn blocks and components to build vehicles and complete their missions.

Doodle Magic Joy.

Free for Android. Ages 3+. This drawing app, with colors ranging from soft pastels to bright neons, offers a variety of 8 | Pocono Family Magazine © September/October 2020

Free for Android. Ages 5+. Played much like standard chess for two players, this game is designed for up to three players.

3/2 Chess is a strategy game that boosts creativity and critical thinking skills.

Hoopa City 2.

$3.99 for all platforms. Ages 5 – 10. Kids can build the city of their dreams with skyscraper apartments, shopping malls, and beach resorts in this 3D game app. Then they can play inside the city they've built, dress up their citizens, and even switch to night mode to see their city lit up.

Magic Tiles 3.

Free for all platforms. Ages 7+. This massively popular piano game requires players to tap the black tiles while avoiding the white ones to generate beautiful, high-quality music. The app features additional instruments such as guitar, as well as a battle mode where kids can compete with other players around the world.

The

AGENCY Because the world keeps turning Insurance since 1942

"The player's teammate then acts out the image shown on the phone while the teammate holding it up has to guess what his teammate is acting out."

Serving the Poconos for over 70 years CHOOSE DREHER BECAUSE WE CARE! BUSINESS & PERSONAL INSURANCE Theodore G. Butz, CPCU

ColorMinis Kids.

Free for all platforms. Ages 3+. With this color and design app, kids experiment with a variety of colors and materials, including Real 3D gloss, clay, glass, metal, and more. They can color and design anime figures, animals, robots, castles, and much more. When their design is complete, they'll create animated gifs of their creations.

PBS Kids Video.

Free all platforms. Ages 2+. Kids can watch their favorite PBS Kids shows wherever you go. This app is a fun form of educational entertainment for young children when riding in the car, waiting for appointments, and on shopping trips. In addition to thousands of videos of their favorite shows, they'll also be introduced to the “Weekly Pick” of educational videos.

Drawing for Kids! Learning Games for Toddlers. Free for Android. Ages 2 – 5. This app is an easy way for even the youngest toddlers to learn how to draw. It includes fun sounds and animations as each drawing comes to life. 

About the writer Kimberly Blaker is a parenting and lifestyle freelance writer. She also writes a blog, The Young Gma's Guide to Parenting at www.theyounggma.com

551 Main Street, Stroudsburg, PA 18360 570-421-6141

www.dreherinsurance.com

Otter Lake CAMP RESORT

• 60 acre lake with 300 campsites • Paved roads • Electric, water and cable TV hook-ups; 100 campsites have sewer hook-ups • 8 heated bathouses, store, laundry and propane • Boating, boat rentals and fishing (no fishing license required)

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P.O. Box 850 • Marshalls Creek, PA 18301 570-223-0123 Reservations only: 800-345-1369 www.otterlake.com

September/October 2020 Pocono Family Magazine ©

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Photo courtesy of Shutterstock

“Children need a sense of belonging, and school provides an important connection point for them."

10 | Pocono Family Magazine Š September/October 2020

Emotionally Preparing Your Children for

Between sheltering-in-place, online learning and time away from friends, many children will need a little extra support as they head back to school this fall.

Consider these tips from the experts at KinderCare to help you emotionally prepare your children to return to school with confidence, optimism and excitement.

Address your feelings (and theirs) Children often take cues about how to react from their parents.

Think about what it takes for you to feel calm and prepared (or even excited) for the start of a new school year. That could mean talking with your child's teacher or school about the safety precautions they're taking so you can feel more at ease, taking a few minutes to establish a morning routine or stepping away from news that makes you anxious. Focus instead on the positive aspects of school, like the opportunity your child will have to learn, make friends, interact with others and grow into his or her own person.

"Children need a sense of belonging, and school provides an important connection point for them," said Dr. Elanna Yalow, chief academic officer for KinderCare Learning Centers.

"Nothing builds a sense of community like personal contact with friends and teachers. That connection is essential in supporting a child's growth and development."

Set expectations about what to expect before the first day Some children may feel ready to go and eager to explore, while others can be more reserved or even fearful of new places, faces and routines. When your child knows what to expect, it can go a long way in soothing any worries he or she may have about leaving home and going to school.

Courtesy of Family Features

It's also important to respect your child's growing independence and empower him or her to help others. As you explain safety precautions like covering the mouth when sneezing or coughing, or proper hand washing, emphasize how your child's actions can help keep family, friends and teachers safe.

"Children may already be apprehensive about returning to school, let alone trying to cope with new safety practices," said Dr. Joelle Simpson, a pediatric emergency medicine physician and medical director for emergency preparedness at Children's National Hospital. "Explaining these precautions ahead of time can help your children see them as part of the school day routine instead of something to fear. For parents, remember that while children can get sick from this virus, it occurs less frequently than in adults and at lower rates than the flu."

Celebrate the start of a new school year Try to plan a special activity or some extra family time the week before school starts and encourage your child to participate in the planning.

"Remember, children didn't have time for a clean break and celebration at the end of the last school year, and this can help your child mentally adjust to a new routine and schedule," Yalow said.

Let your child know how proud you are to see him or her growing up, learning how to be a good friend and exploring and learning about the world. Be sure to talk with your child each school day - what was learned, funny things friends said, the things that seem little but are important to your child.

For more tips about how to help your child prepare for the new school year, visit kindercare.com. ď Ź September/October 2020 Pocono Family Magazine Š

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Photo courtesy of Family Features

SUPPORT STUDENTS THROUGH

Community Programs 12 | Pocono Family Magazine Š September/October 2020

A

s kids prepare for the upcoming school year, school supplies remain critical to their success.

While school districts struggle with the challenge of delivering education and resources to students amid a pandemic, many parents are working to determine how they will ensure their children have the necessary supplies.

Community youth programs are innovating to fill gaps and ensure kids from low-income families in particular are equipped with learning materials and supplies, enrichment activities and food. For example, when schools closed, local corps of The Salvation Army started adapting creative alternatives to their youth programs to provide activities, snacks and educational

materials like coloring sheets, scavenger hunts and more to keep kids entertained and learning.

on the needs in your area, you may be able to donate food, assist with organizing the meal kits or help coordinate deliveries.

If you'd like to make a similar impact in your community, consider lending a hand in one of these ways:

Uncertainty caused by COVID-19 has many people reconsidering their finances, and that means the donations and contributions many programs rely upon have slowed. If your situation allows, consider a monetary contribution to a youth-oriented cause, which can help deliver programming even if you're not able to volunteer in other ways.

Tutor or mentor students. Although most kids

across the nation face the same challenges with academics, some are at more of a disadvantage because their access to remote learning resources is limited or parents are unable to assist at home. You can help by volunteering to tutor students as they practice learned skills and get back into the swing of a new school year.

"There are 30 million children in the United States whose parents will have to choose between buying school supplies or other necessities like putting food on the table. "

Donate supplies. There are 30 million children in the

United States whose parents will have to choose between buying school supplies or other necessities like putting food on the table. Consider adding extra common items like crayons, markers and glue when you shop for your own children and dropping them off at your local youth center. Campaigns like The Salvation Army's "Stuff the Bus" events allow shoppers to purchase and drop off requested items at collection bins located at the front of participating retailers.

Get involved with extracurricular activities.

If you have a particular skillset or experience, for example as a high school or college athlete, lending your knowledge to a local youth group can help provide a constructive outlet for kids while enriching your own life.

Volunteer for meal distribution. Many children

rely heavily on schools for meals; in fact, the food some students receive through their schools' breakfast and lunch programs may be the only meals they get in a day. Across the country, organizations have partnered with local school districts to provide meal kits, coordinate food distribution routes and pickup locations to get meals to kids and families. Depending

Help fund youth programs.

Learn more about getting involved in your community at salvationarmyusa.org.

PURPOSEFUL YOUTH PROGRAMS While many children from low-income families rarely experience life outside of their immediate neighborhoods, youth programs can help kids discover new skills, passions and hobbies while connecting with others in a safe, healthy way.

Along with community centers dedicated to supporting the physical, emotional and spiritual growth of moms, dads and kids, organizations like The Salvation Army provide afterschool programs for students of all ages and numerous music, art and athletic programs at its 7,600 centers across the country.

The organization's "Stuff the Bus" program also helps make activities and programs more accessible to low-income youth in local communities, including: After-school programs offer homework assistance and counseling for children of all ages, as well as one-onone assistance with homework, study skills and literacy advancement. Dance, art and music programs are offered in noor low-cost environments. Classes range from choir, band and dancing to drawing, writing and acting.

Sports, clubs and extracurricular activities give children from low-income neighborhoods a chance to play team sports and learn valuable athletic and life skills.

Parental involvement coaching equips parents with the skills needed to support and sustain their children's educational needs. ier lives. ď Ź Courtesy of Family Features September/October 2020 Pocono Family Magazine Š | 13

Photos courtesy of Getty Images

Create a Family-Friendly

Staycation

5 ways to fill your home with happiness

14 | Pocono Family Magazine Š September/October 2020

With vacations looking a little different this year, infusing new energy into playtime - and making it a family affair - can turn time at home into a fun "staycation." Both kids and adults can quickly grow tired of the same scenery and activities, but new ways to engage together can help bring back excitement for making the most out of your time togeher.

Help battle boredom and get the whole family involved with these fun and engaging activities from DQPlayAtHome.com. To celebrate, the family-favorite soft serve destination is helping fans create some of most iconic experiences

Photo courtesy of Getty Images Photos courtesy of Getty Images

"Both kids and adults can quickly grow tired of the same scenery and activities, but new ways to engage together can help bring back excitement."

right in their own homes and backyards. From a DIY backyard water park to a playful, treat-inspired coloring book and lighthearted challenges, there are a variety of downloadable games and activities to help fill your home with happiness:

Camp-In

Bring the great outdoors into your own living room with camping themed playtime. Set up a tent, roll out the sleeping bags and get ready to tell silly stories around a make-believe bonfire. Even forest animals can join in on the fun through a shadow puppet adventure. All you need are your own hands, a flashlight and a little imagination to create easy animal- and nature-themed characters on the wall.

Happy Chats When the answer to "did you have fun today?" is always the same, it can be hard to keep the conversation flowing. Entice little ones to speak up at the dinner table by taking turns drawing cards from the Happy Chats card set, which is filled with unique prompts, questions and interactive challenges. Inspire their imagination by asking kids to dream up a new ice cream creation or describe a pretend mission through outer space. Invite friendly competition by seeing who can recite the alphabet backward the fastest. Encourage kids to learn about the past when they draw cards asking parents to share stories from their own childhoods.

September/October 2020 Pocono Family Magazine Š | 15

Air Tours

of the Poconos

Charter Flights Flight Training Other Air Services

Gift Certificates Available

Pocono Mountains Airport - 188 Airport Drive, Tobyhanna, PA

1-800-321-5890

MoyerAviation.com

Playbook

Sometimes all you need is a fresh take on classic fun to get excited again. Using common household items like utensils, you can easily turn down time into game time for the whole family. Merge timeless entertainment like spoon relay races and obstacle courses to create a competition zone in the backyard. From a living room game of hot potato to hallway bowling, your home can become smile central.

Coloring

There's a reason even adults have coloring books these days; it's a chance to tap into your creativity and focus your attention on the simplicity of creating a work of art.

Printable coloring books encourage fans to show off their art skills by coloring joyful scenes and iconic treats.

16 | Pocono Family Magazine Š September/October 2020

SHOP LOCAL .

Photo Courtesy of: Family Features

Photo courtesy of Shutterstock

SHOP NEW. SHOP VINTAGE .

A Sweet Surprise

Make memories with an occasional shift in routine by surprising the family with dessert after they're in their pajamas.

Have one parent tackle bedtime and send the other to a local favorite like Dairy Queen for some drive-thru treats. Sweet moments with family are some of the best ways to celebrate the season.

Visit DQPlayAtHome.com to find more inspiration for family fun. 

It’s not just a day of shopping here in the Pocono Mountains—it’s an experience.

Wander our historic streets. Explore our art galleries. Find unique local goods.

And stop for a bite at one of our top-rated neighborhood restaurants along the way.

Discover all of our shopping and sights now at PoconoMountains.com.

Courtesy of Family Features

September/October 2020 Pocono Family Magazine ©

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18 | Pocono Family Magazine Š September/October 2020

Photos Photo courtesy Courtesy of Gettyof:Images shironosov / iStock via Getty Images Plus

Rethinking Screen Time

for Kids

As families try to establish a new normal, balancing screen time for kids has become not only especially challenging, but more important than ever.

“It’s only natural that children will be spending more time on digital devices than usual these days in order complete school work, attend remote classes and communicate with friends and loved ones,” says Michele Havner, director of marketing at Eturi Corp., a company with a mission to empower parents to guide their children through a balanced use of technology.

“Restrictions about screen may need to be rethought in many cases, but they should not be completely eliminated.”

Here are a few insights and tips that can help parents create sensible, effective screen use guidelines for their children during the COVID-19 outbreak:  Rethink Leisure Time: According to ReelGood.com data, the month of March saw a whopping 70 percent jump in weekday streaming of kids’ movies and television shows.

While there may be more time on kids hands and fewer options of what to do with it, it’s important to emphasize alternative ways to relax and have fun so that kids are not spending all their waking hours looking at screens. Leisure time will ideally include a mix of physical activity, creative projects, board games, reading and more. All that extra down time around the house may also present some good opportunities to teach kids some practical life skills, like cooking, cleaning and budgeting.

 Prioritize Online Safety: Unfettered access to the internet and social media sites can put children at risk for a number of online threats. Parents should continue to ensure kids practice safe online habits, even as they begin to use their digital devices for more tasks throughout the day.

 Striking the Balance: Many parents are struggling to balance their own work with homeschooling and online safety. Luckily, there are tools that can offer assistance, such as OurPact, a screen time monitoring and scheduling app for parents from Eturi Corp. Among the app’s many capabilities is the ability for parents to monitor and manage what kids are doing online, create daily screen time allowances, set filters on browsers and block certain applications at certain times of day.

To help parents navigate this rapidly-changing environment, the company is currently offering OurPact Premium, an upgrade to the service, for free for three months to new users. To learn more, OurPact.com.

“Restrictions about screen may need to be rethought in many cases, but they should not be completely eliminated.”

 Check in: During your own free hours, spend some time checking in with your kids to see how they are coping with the current situation, how they are spending their free time and whether they are facing any struggles with remote learning.

Life has changed rapidly and significantly for families. And while this new normal includes a greater reliance on digital devices, parents can take steps to continue to ensure kids are striking a healthy balance.

Courtesy of StatePoint September/October 2020 Pocono Family Magazine ©

| 19

Safe Entertaining Tips

Photo courtesy of Shutterstock

Depending on where you live, restrictions on social gatherings may become less strict in the coming weeks and months. However, many experts caution that care should still be exercised when groups of people gather.

20 | Pocono Family Magazine Š September/October 2020

After an extended period without social contact, it's only natural to crave some interaction, and there's evidence that doing so can be advantageous for your mental health.

Photos courtesy of Getty Images

in a COVID-19 World

However, taking precautions to protect your physical health, along with your guests', can make for a more enjoyable event.

Keep it contained

Limit your gatherings to a few close friends or family members so if someone does get sick, contact tracing is a simple task. Keep in mind the number of same-household families you invite is more important than the number of people in that family. For example, one family of six that has already been living in close quarters poses a lower risk than three couples living in separate houses. Also be mindful of your guests' approach to prevention; if they've been less cautious than your family or vice versa, there's room for conflict and anxiety.

Celebrate outdoors

Indoor event spaces naturally have less circulation, meaning potential airborne particles hang around longer. Planning your gathering outdoors helps ensure more free-moving fresh air and more space for guests to spread out and practice social distancing.

Now!

ACCESS YOUR FAVORITE POCONO MAGAZINES ONLINE

Pocono Living Magazine

and Pocono Family Magazine

Encourage guests to bring their own

It may go against all your good hosting inclinations but hosting a bring-your-own party eliminates shared food and the risk of cross-contamination. You can provide disposable table service (plates, silverware and napkins) and singleserve beverages, but skip the cooler everyone reaches into.

Provide ample, well-spaced seating

Encourage guests to keep some distance from one another by creating comfy seating arrangements. You can take it a step farther by asking guests to bring their own chairs and directing each family to set up its space a reasonable distance from the next.

Make cleanliness a priority

Create stations with hand sanitizer or wipes. You can also create a makeshift sink to minimize trips to the restroom indoors. Provide a spray bottle or bucket, soap and paper towels near the hose for quick clean-ups.

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Find more advice for navigating pandemic life at eLivingtoday.com.  Courtesy of Family Features and eLivingtoday.com

September/October 2020 Pocono Family Magazine © | 21

Photo Courtesy of: Chris Ryan / iStock via Getty Images Plus

Tips for Refinancing YOUR MORTGAGE

22 | Pocono Family Magazine © September/October 2020

"Refinancing your mortgage can be a smart way to boost your savings and positively impact your overall financial plan."

Here are six tips to consider if you are thinking about refinancing your mortgage.

• Check Your Credit Score: To determine

if you qualify to refinance at a lower rate, lenders will look at any outstanding debt, such as credit cards, student loans or delinquent bank accounts. They will also check to see if you make your mortgage payments on time, which is a sign that you will reliably make future payments.

• Shop Around: Your current lender can work

with you to refinance your mortgage to keep you as a customer, but they might not be able to compete with the lower interest rates offered at other lending institutions. Do some research to find a new loan with terms and an interest rate that works best for your financial situation.

• Be Prepared: To make the refinancing

process as seamless as possible for you and your lender, gather all necessary paperwork -- pay stubs, bank and credit card statements, tax returns, and other key financial documents -- before you start.

• Understand the Terms of Your Loan: Understanding both your current mortgage and

the one you are pursuing is necessary to make smart,

beneficial choices about refinancing and avoid “buyer’s remorse” down the road.

• Lower Your Interest Rate: Most

experts agree that if you plan to stay in your home for many years, it is worth the initial upfront cost to reduce your interest rate. But do the math to make sure that the amount of money that you will save in interest over the expected repayment period will be more than the cost of refinancing.

• Remember that a New Loan Usually Restarts the Clock: You might

reduce your monthly payments with a lower interest rate, but your savings may not add up if your new loan keeps you in debt longer (an extended loan term means more monthly payments). For this reason, consider shortening the term of your new loan by paying a little more each month. You could even continue making your old mortgage payments against the new loan, and thereby use your refinancing savings to pay down your principal. You might also consider a loan with a shorter term to begin with, but this may affect available interest rates.

A Certified Financial Planner professional has the knowledge and experience to help you build a refinancing plan tailored to your financial needs and can help evaluate your different loan options. To find a CFP professional near you, visit letsmakeaplan.org.

Refinancing your mortgage can be a smart way to boost your savings and positively impact your overall financial plan. Be sure to lay the groundwork for the maximum benefits. 

Courtesy of StatePoint

September/October 2020 Pocono Family Magazine © | 23

Photo courtesy of Family Features

T

he recent economic downturn has caused many Americans to worry about their money, but there is at least one potential bright spot: lower interest rates. For homeowners, this means that it may be time to consider refinancing your mortgage. Refinancing can give you an opportunity to lower your monthly mortgage payments and save money by paying less interest over the term of the loan.

Photo courtesy of Getty Images

Smart Advice to Build Your Own Business

W

ith many tools and resources available, it is easy for entrepreneurs to build successful businesses. The United States has somewhere around 27 million entrepreneurs, and 69% of them started their businesses at home, according to the Global Entrepreneurship Monitor report from researchers at Babson College and Baruch College.

If you're considering becoming your own boss, consider learning from those who have successfully navigated the path before you. For example, entrepreneur Russell Brunson started his first online company while he was in college.

24 | Pocono Family Magazine Š September/October 2020

Today, he is the co-founder of ClickFunnels, a successful software company that helps entrepreneurs get their messages out to the marketplace quickly and efficiently. Brunson is also the author of a series of books, including "Traffic Secrets," which is filled with tips for blending fundamental directmarketing techniques with new-age growth-hacking to help future customers discover products, services and drive demand.

"Every year, tens of thousands of businesses start and fail because the entrepreneurs don't understand one essential skill: the art and science of getting people to find you," Brunson said.

Put your entrepreneurial dreams in motion with Brunson's advice, adapted from "Traffic Secrets," the third installment in his bestselling trilogy.

Find a Proven Business Model There's no need to reinvent the wheel. Many entrepreneurs have already blazed trails, run tests and figured out what kind of online marketing models work. If you can find someone who's succeeding at doing what you want to do, then put a fresh spin on their methods.

Identify Your Dream Customer After you've chosen your online marketing model, work to identify your dream customers. The better you understand your potential customers, the easier it can be to find where they congregate online, understand their wants and needs, and attract them to your product or service with organic and paid campaigns.

Build Your Sales Funnel Using his success with ClickFunnels as evidence, Brunson advocates using online sales funnels to build business and revenue. The basic sales funnel begins with a low-risk offer, captures shipping and payment information, offers an upsell and concludes with a simple confirmation.

Grow Traffic and Collaborate Learn where your dream customers hang out online. Make a list of at least 100 people who own those channels, blogs and podcasts. Build relationships with those influencers with the goal of pitching collaborative opportunities that benefit both of your businesses.

"If you are selling anything online, or trying to generate leads online, no matter what industry you're in, these 20 traffic secrets can help attract more eyeballs," Brunson said.

"I'd like to help you fill your website and funnels with your dream customers, so I'm going to give you my new book for free. Just visit grabtrafficsecrets.com." ď Ź Courtesy of Family Features

5 Ways to Drive Traffic

on Social Media These strategies from "Traffic Secrets" can help drive traffic using these major platforms:

Google: Search the keyword you'd like to rank for.

Scan results, looking for sites that have ads, banners, affiliate links to products or subscription boxes.

Contact the owners of those pages and ask about advertising options to buy your way in and build your list.

YouTube:

Create a 15-second intro with a catchy hook followed by a short 4-second branded message then tell your viewer why he or she should listen.

Create a connection with personal commentary and share valuable content for the next 7-12 minutes.

Close with a call to action.

Facebook: Think of your cover photo as your

billboard and the intro section as your business card where you can place links to funnels. When posting, share stories that can open conversations, and remember to engage readers in the comments.

Instagram: Decide whether you want to inspire, educate or entertain then create a caption. Three effective options: tell a story, ask a question or make a list.

Podcasting: In addition to

working the podcast circuit and delivering a call to action at the end of each show, you can leverage influencers in other ways.

Buy ads on their podcasts and arrange guest appearances that let you ask their listeners to check out your own podcast. Smart Advice to Build Your Own Business.

Photo courtesy of Brand Point

Automotive

"The virtual auto-buying experience is likely here to stay. For you, that means a more flexible buying process and less time visiting the dealership."

O

THE BASICS OF

VIRTUAL CAR

BUYING

nline car buying has become more popular in recent years.

Instead of having to go out to visit dealer lots, car shoppers have found it's easy to look at inventory, set up test drives, secure financing, negotiate price and complete the purchase - all online, from the comfort and safety of home.

Shop with safety and ease. Understanding the virtual car-buying process ahead of time can help you score a great deal and make the whole experience a positive one. Here are the basics you should know.

Set a budget. Before you start looking at vehicles, it helps to get a rough idea of what your monthly payments will be. Carbuying expenses may include:

• down payment • warranty options • title, taxes and fees • trade-in value 26 | Pocono Family Magazine © September/October 2020

• monthly ownership costs: financing, insurance, maintenance, fuel and depreciation

Do your research. Once you know your budget, consider any must-have features such as size, fuel efficiency or safety scores. Then, start researching cars online, filtering your search to match those features and your budget.

Get your financing squared away. "By getting

preapproved for your next car loan, you'll be in a better position to negotiate on price and get a deal that works favorably for your budget," said Joe Pendergast, Vice President of Consumer Lending at Navy Federal Credit Union.

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Price compare and get quotes. With your financing

in hand and the knowledge of the type of vehicle you're looking for, it's time to shop. Hunt for the best deals by checking car-selling sites that pull inventory from multiple dealers, in addition to reaching out to individual dealers by phone, email or chat. Some dealers are offering new ways to conduct your vehicle purchase while minimizing personal contact, including online sales and home delivery.

Set up a test drive. Many dealerships offer online virtual tours of their vehicles. But once you're ready to get behind the wheel for a test drive, they can often bring the cars to you. Just be sure you understand and feel comfortable with the test drive process, including any cleaning and safety procedures.

Ask for the price and perks you want. With a

market value in mind, contact the dealerships that have the car you're interested in and the price you want. Keep it simple and focus on price before talking about dealer financing or trade-in.

Car dealers may be willing to throw in a few extras, too. These may include: service and maintenance plans, spare keys, floor mats, mud flaps and even rust protection.

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Get your new car delivered to your door. When

it comes to actually buying the car, all the paperwork can now be done online or delivered. Ensure you're satisfied with the safety processes and purchasing arrangement before agreeing to buy the car. When you're done, the dealership can bring the new car right to your door. Plus, they'll pick up your old car if you're trading in.

"The virtual auto-buying experience is likely here to stay. For you, that means a more flexible buying process and less time visiting the dealership," added Pendergast.  Courtesy of Brand Point

P&S GARAGE Servicing the Poconos since 1975

Scott Dreisbach owner

570-223-8874

9080 Franklin Hill Road East Stroudsburg, Pa www.psgaragepa.com September/October 2020 Pocono Family Magazine © | 27

Photo courtesy of Pixabay

Pet

28 | Pocono Family Magazine Š September/October 2020

"Pet owners should make a plan with minimal and realistic changes to help their dogs or cats adapt to new routines"

Ways to Help Transition Pets TO POST-QUARANTINE ROUTINES

A

s states ease COVID-19 restrictions and people get out of the house to return to work, pets around the country may see their daily routines of hanging out with everyone come to an end.

Some dogs and cats handle routine changes easily. For others, a routine change at home can cause behavior issues, nervousness or separation anxiety.

A Suzy survey of 5,000 U.S. pet owners found nearly 70% of respondents are concerned their pets will have new or additional anxiety when they return to work. It's important to prepare pets for changes in routine, especially those that are new to a home, for their well-being and harmony of the whole family.

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Consider these post-quarantine transition tips.

Make a Plan The key to any plan is making sure everyone knows what to do. This goes for veteran pet owners and the owners of more than 221,000 new pets adopted or fostered since March, according to the 24Pet ShelterWatch Report. Pet owners should agree on the plan for their pets and details should be shared with children who help with care.

"Pet owners should make a plan with minimal and realistic changes to help their dogs or cats adapt to new routines," said veterinarian Elizabeth DeLomba, MBA, senior veterinary services consultant at VetriScience Laboratories. "Start by offering your pets belongings that make them feel safe and comfortable and add small things that promote mental and physical stimulation."

Ken’s Auto Service Center Quality Repair

With a Price That’s Fair Rte. 447 & Brushy Mt. Rd., East Stroudsburg, PA 18301

570-424-2258 www.kensautoservicecenter.net Oil Change State Inspections Tune Ups

Maintenance Brakes Tires

September/October 2020 Pocono Family Magazine © | 29

Our St. Luke’s family thanks ALL first responders for protecting and keeping our community safe and healthy.

Nick Dewitt, Paramedic, Business Manager, Pocono Mountain Regional EMS Sgt. Charles Brown, Stroud Area Regional Police Department Mike McMann, 2nd Assistant Chief, Pocono Township Volunteer Fire Company

30 | Pocono Family Magazine Š September/October 2020

Photos courtesy of Getty Images

Practice the New Routine Ease your pet into being alone by spending short periods of time away from him or her both in and outside the home and work your way up to hours of separation.

Use practice time to get your dog or cat used to what happens before you leave for work, comfortable with a crate or other safe space and acquainted with a new toy, treat or someone who will check on him or her during the day.

Before you leave, take your pet for a walk or play at home to get energy out prior to your departure. When it is time to leave, don't make a big deal out of leaving. Say goodbye long before you leave then leave calmly.

Try a Calming Supplement The survey revealed that 65% of respondents plan to use a nutritional supplement to help their dog or cat cope with any anxiety a new routine brings. Over the counter calming supplements like VetriScience Composure chews can help pets relax during stressful times without changing their personality or energy level. Calming supplements come in bite-size chews or a liquid dosage and can help relieve stress for dogs and cats of all breeds and sizes.

"Fear and anxiety disorders affect 23 million dogs in the U.S. alone," DeLomba said. "Supplements may offer a convenient approach for managing separation anxiety and other behavioral

issues. The ingredients in supplements work together to make a positive impact on behavior and anxiousness, which results in a calmer, more focused pet."

Keep Them Stimulated Don't let your dog or cat feel bored when home alone. Play music, keep a television on or use a white noise machine to create some constant sound. If your pet isn't into watching television, keep him or her busy with a treat-dispensing toy that requires some work. Or stuff a toy with peanut butter, freeze it and give it to your dog when you leave. These ideas can help keep your pet's mind stimulated and encourage him or her to focus on something other than being alone.

Start thinking about a plan for your pet and ask your veterinarian if you have concerns about behavioral changes. Learn more and find the full survey results at vetriscience.com. ď Ź Courtesy of Family Features September/October 2020 Pocono Family Magazine Š | 31

Photo courtesy of Family Features

Food

Breaking Bread Comfort food consumption is on the rise

32 | Pocono Family Magazine Š September/October 2020

s families spend more time at home, Americans are finding comfort in a surprising source: bread. In fact, a 20-year trend of declining grain food consumption has been reversed.

A

demand items. However, manufacturers are working closely with retailers to make sure that out-of-stocks are short lived.

Consumers will be able to buy their favorite grain-food products and eat them, too."

A national study by the Grain Food Foundation suggests that the turnaround is more than a one-time sales blip due to pantry loading. In reality, consumers count bread among their top comfort foods. The study revealed one-third of Americans named pasta and bread as foods that are comforting during a stressful time.

To learn more about the role of grain foods in a healthful diet, visit GrainFoodsFoundation.org.

In addition to the comforting flavor, this trend provides valuable nutritional benefits. As a part of many healthy eating plans, bread and pasta are nutritionist approved and provide nutrients needed for healthy aging such as B vitamins, magnesium, selenium, iron, folate and fiber.

"For years, we've been telling consumers that grain foods are the foods we love that love us back," said Christine Cochran, executive director of the Grain Foods Foundation. "The stress has given us permission to enjoy bread and pasta again, but unlike most comfort foods, consumers recognize that grains have nutritional value."

The highest-ranking comfort foods were ice cream; baked goods like cakes, cookies and pastries; salty snacks; candy; and fast food. However, when asked to identify comfort foods with nutritional advantages, consumers identified bread and pasta as the top two.

Beyond identifying comfort foods and their nutritional value, consumers also expressed worry that bread is in short supply right now.

"We can all rest assured that there is enough supply of grain food products in this country," Cochran said. "Shoppers may be experiencing some sporadic unavailability of certain high-

Avocado Veggie Sandwich Recipe courtesy of the Grain Foods Foundation Prep time: 10 minutes Servings: 2

• 1/2 ripe avocado, peeled • 1 tablespoon fresh lemon juice • 1/8 teaspoon salt • 4 slices bread • 4 slices tomato • 8 slices cucumber • 12 slices sweet bell pepper • 2 tablespoons red wine vinegar • 2 lettuce leaves In small bowl, combine avocado, lemon juice and salt.

Spread mixture evenly over two bread slices.

Place tomatoes, cucumber and peppers on covered surface. Drizzle with vinegar.

Layer lettuce, tomato, cucumbers and peppers evenly between slices of bread, creating two sandwiches

September/October 2020 Pocono Family Magazine © | 33

Photo courtesy of Family Features

Panzanella Bagel Salad Recipe courtesy of Sylvia Melendez-Klinger, MS, RD, on behalf of the Grain Foods Foundation Prep time: 5 minutes Servings: 6

• 2 medium Roma tomatoes, seeded and diced • 1 1/4 cups canned diced tomatoes, undrained • 1/4 cup green bell pepper, diced • 1/4 cup cucumber, peeled, seeded and diced • 2 tablespoons red onion, diced • 2 tablespoons Parmesan cheese, grated, plus additional (optional)

34 | Pocono Family Magazine © September/October 2020

• 1 tablespoon balsamic vinegar • 2 tablespoons fresh basil, chopped • 2 bagels (4 ounces each) cut into 2-inch pieces, toasted assorted greens (optional)

In medium bowl, mix tomatoes, canned tomatoes with juice, green pepper, cucumber, onion, cheese, vinegar and basil.

Add toasted bagel pieces; toss gently. Marinate, covered, in refrigerator 1 hour. Serve within 1 hour after marinating.

Sprinkle with additional cheese and serve on bed of assorted greens, if desired.

Photo courtesy of Family Features

Rotini with Sausage and Mushroom Recipe courtesy of Sylvia Melendez-Klinger, MS, RD, on behalf of the Grain Foods Foundation Prep time: 18 minutes Servings: 8

• 1 box (13 1/4 ounces)whole-grain rotini • 1 tablespoon olive or vegetable oil • 1 pound chicken sausage, sliced • 1 cup leeks, thinly sliced • 1 cup green onions, thinly sliced • 2 cups mushrooms, sliced • 1 cup chicken stock • 1/4 cup parsley chopped

• 6 leaves from tarragon sprigs, chopped • 1 cup Romano cheese grated • Parmesan-Romano cheese (optional) Prepare rotini according to package directions. Drain and transfer to large bowl.

In large skillet, heat oil over medium heat. Cook sausage 2-3 minutes, or until well browned. Add leeks, onions and mushrooms; cook until tender. Add chicken stock and simmer 3-5 minutes, or until hot.

Fold sausage mixture into warm pasta. Add parsley, tarragon and Romano cheese; toss again. Top with Parmesan-Romano cheese, if desired.

September/October 2020 Pocono Family Magazine © | 35

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Recipe courtesy of Sylvia Melendez-Klinger, MS, RD, on behalf of the Grain Foods Foundation Prep time: 15 minutes Servings: 4

• 6 Roma tomatoes, diced • 1/2 medium onion, finely chopped • 1 clove garlic, finely minced • 2 serrano or jalapeno peppers, finely chopped • 3 tablespoons fresh cilantro, chopped • 1 lime, juice only • 1/8 teaspoon oregano, finely crushed • 1/8 teaspoon salt (optional) • 1/8 teaspoon pepper • 1/2 Hass avocado, diced

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Heat oven to 350 F. In medium mixing bowl, combine tomatoes; onion; garlic; peppers; cilantro; lime juice; oregano; salt, if desired; pepper; and avocado; set aside.

On medium platter, split rolls. With medium spatula, spread refried beans onto each bread half; sprinkle cheese among bread.

Bake 5-8 minutes, or until cheese is melted and hot.

Courtesy of Family Features

Open for takeout only Thursday-Sunday • 4pm-7pm (570) 620-1880 • cookscornerrestaurant.com 3150 Rt. 715, Henryville, PA 18332 September/October 2020 Pocono Family Magazine © | 37

Photo courtesy of Getty Images

Essential Pantry Staples • TO HAVE ON HAND •

K

eeping a well-stocked pantry ensures you can pull together a quality meal on a moment's notice or when unexpected circumstances keep you from making it to the store. In many homes, the pantry is filled with mismatched odds and ends that may not fit together, but you can shop smart to gather basic ingredients you need for a wide range of recipes.

Spices: A robust spice rack lets you customize all the other ingredients for dishes as simple or complex as you like. As you're building a spice collection, start with basics like salt, pepper and garlic powder. Also add some of your favorite dried herbs like basil, thyme and ginger then build the rest of your supply around your favorite foods so you can easily create familiar dishes with what you have on hand.

38 | Pocono Family Magazine © September/October 2020

Proteins You may be surprised by how many protein options can be stored in your pantry. Aside from nuts, beans and peanut butter, keeping a selection of canned seafood can allow you to create well-balanced, protein-rich dishes whether you're topping a salad, adding the finishing touch to your favorite pasta, filling a wrap or more. For example, wild-caught canned tuna or salmon can be the foundation for a multitude of recipes. One option is Chicken of the Sea's Wild Catch. This line of premium, responsibly wild-caught and hand-selected cuts of fish is packed with just three ingredients: premium seafood, water and sea salt.

Available in three preservative-free varieties - Albacore Tuna,

Ahi Yellowfin Tuna and Alaskan Salmon - each provides at least 23 grams of energy-boosting protein per 4 1/2-ounce container.

Oils When used in moderation, oils are an essential cooking ingredient that add flavor and depth. Extra-virgin olive oil can be used for everything from sauteing proteins and drizzling over veggies to creating dips and dressings. Many home cooks also favor canola oil as a neutral cooking oil that can be used in a wide range of preparations.

Grains and Pastas Photo courtesy of Pixa Bay

Most pastas have a long shelf-life, making them a great addition to a well-stocked pantry. Pasta and grains can be the foundation of a meal when paired with sauce and protein or veggies, or as an easy side dish. Include your favorite styles of regular pasta along with options like couscous, quinoa and rice.

Canned Vegetables You can pack in plenty of healthy nutrients without a trip to the farmer's market or produce section. Put your personal touch on canned veggies to enhance their flavor, like adding some onion (or onion powder or flakes), salt and pepper to cut green beans. Be sure to keep plenty of choices on hand for vegetables you enjoy eating on their own and ones you might use as ingredients.

Broth or Stock Whether you use it as the base for a delicious soup or to add flavor in countless other recipes, broth and stock can be found with both meat and vegetable bases so you can easily create sauces and more.

Condiments These sauces and accompaniments help perk up your favorite foods. There's no standard list of right and wrong, but staples like ketchup, mustard, mayonnaise, barbecue, soy and hot sauce top many people's must-have lists.

THERE’S NO PLACE LIKE

THE MOUNTAINS FOR THE HOLIDAYS. Celebrate the holidays surrounded by great company and even better cuisine in the Pocono Mountains. From romantic dinners by candlelight to farm-to-table experiences, our local chefs are serving up something for every palate. Visit PoconoMountains.com to see all of our mouth-watering dining options and make your reservation.

Find more ways to make the most of your pantry at chickenofthesea.com.  Courtesy of Family Features September/October 2020 Pocono Family Magazine © | 39

Photo courtesy of Shutterstock

Health

40 | Pocono Family Magazine Š September/October 2020

Life After Breakup, Divorce, or the Death of a Spouse:

Finding Your New Groove WHEN DEALING WITH HEARTBREAK OR GRIEF

By Kimberly Blaker

Going through a breakup, divorce, or the death of a spouse isn't easy. You've lost your lover and your confidant, cheerleader, activity partner, support system, and best friend. Such a loss can be devastating. As such, it's only natural to grieve. In fact, allowing yourself to grieve is vital to your recovery. You'll need time (and perhaps even professional help) to work through your denial, anger, bargaining, depression, and acceptance – the five stages of grief.

"The good news is, we live in a big, beautiful world that's full of possibilities, endless things to experience, and always new knowledge to be had."

But even as you work through this challenging period, you can begin building a happy, full life. Working toward moving on doesn't mean you've forgotten the person you lost or your prior life. It merely means you recognize your emotional and physical well-being depends on getting back to a healthy, positive life.

Yes, you'll still experience some sadness and miss the person and life you've lost. Allow yourself to feel sad as often as you need to. But, also look for at least one, if not multiple ways to uplift yourself each and every day.

Taking time for personal growth is an excellent way to raise your spirits. So focus some time and energy on self-discovery, becoming a more fabulous you, and finding new ways to enjoy life to its fullest. There's no need to forget the person and life you lost. To the contrary, cherish those great memories. But build on them by enjoying new experiences and a newfound appreciation for all life has to offer.

SELF DISCOVERY & THE PATH TO YOUR NEW HAPPY There are so many avenues to self-discovery. The truth is you might never even reach your final destination. That's because self-discovery is really an ongoing process. As the seasons of your life come and go, you'll continually grow and change.

The good news is, we live in a big, beautiful world that's full of possibilities, endless things to experience, and always new knowledge to be had. Let some of these ideas be a springboard to help you find your new groove.

Job or Career.

Do you like what you do for a living? Or do you wish you'd gone a different direction? This might be an excellent time to consider a job or career change.

Explore what kinds of work would make you happy. Just bear in mind your emotional state, and take time to think through the pros and cons of your choices. Then, once you're in a better frame of mind, you'll be ready to put your plan into action.

September/October 2020 Pocono Family Magazine Š | 41

Learn a new skill. It doesn't have to be for career

Your journey to

self-discovery There are many books and workbooks available to help you along your journey to self-discovery. Check out some of these top-rated choices.

Start Where You Are:

A Journal for Self-Exploration

by Meera Lee Patel

List Your Self:

Listmaking as the Way to Self-Discovery

by Ilene Segalove

The Good Goodbye:

How to Navigate Change and Loss in Life, Love, and Work

by Gladys Ato

This Time Next Year: 365 Days of Exploration

by Cynthia Scher

Something Gained:

7 Shifts to Be Stronger, Smarter & Happier After Divorce

by Deb Purdy

The Sun Still Rises:

Surviving and Thriving after Grief and Loss

by Shawn Doyle

growth or change, although it could be. Learning a new skill offers lots of other benefits. In fact, it's good for your brain. It increases the speed at which you learn new skills, improves your performance on other tasks, and expands your knowledge. It also reduces your risk of dementia. There are other benefits, too. Learning a new skill makes you more adaptable to change (such as you're going through now). It also provides an additional outlet to stave off boredom and makes you a more interesting person.

The great thing about learning a new skill is the multitude of choices to fit everyone's interests. There are also numerous avenues for learning new skills today. Take an online class or go for a classroom setting. You can also buy or borrow books to learn on your own, read instructional articles online, and watch Youtube videos, webinars, and more.

Volunteer. This is another way to expand your skills while

also making the world a better place. Volunteering is also beneficial to your emotional health. According to research, those who volunteer become happier, enjoy reduced stress and gain self-esteem. It also increases your social connections. In turn, all these factors contribute to a healthier, longer life.

New friends. After a loss, making new friends is often

imperative. If you're like most people in a relationship, you spent most of your free time with your partner. As a result, you may have only a small pool of friends. So get in touch with old friends and catch up.

You might discover new things you have in common that rekindle your friendship. Also, make new friends through work, classes, and volunteering. Meetup.com is another option. You'll discover a plethora of different types and age groups. There's truly something for everyone.

Music. If you're a music lover, you know what a mood-booster

that music can be. Yet, if you're like most people, you've listened to the same few genres of music throughout your life. So visit your library to explore different types of music, and check out a variety of CDs. Try multiple artists within each genre, since styles vary widely among any genre. You might be surprised at the music you fall in love with and have missed all your life. Beyond the more popular rock, rap, R&B, and country, there's also folk, blues, jazz, and classical. Also, don't skip over the world music section. You'll find Irish/Celtic, flamingo, reggae, Latin, Zydeco, Afrobeat, and so much more.

Movies & film. Everyone has their favorite movie

genres. But maybe it's time to give some of those other genres a chance. Also, look for independent movie theaters where you can catch indie and foreign films. You'll often find award-winning flicks in these theaters that never make it into mainstream theaters.

Art. This isn't a world just for artists. Although you

might discover you have a hidden talent you never realized.

Think painting, drawing, sculpting, photography, printmaking, and so much more. The other option is the pure enjoyment of looking at art. Check out some art museums and galleries.

You might even want to pick up a book or take a class on art appreciation to understand art at a whole new level.

"You just might be surprised at the music you fall in love with and have been missing all your life."

Crafts. Hobbies offer a host of benefits, not to mention

the crafty things you can make, keep, and give. Crafting relieves stress and depression, provides challenges, prevents boredom, and can even generate additional income. Consider wood crafts, leatherwork, needlework, glassmaking, paper crafts, and countless other options.

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Travel. Whether you choose to explore your own

state, other parts of the country, or the world, you'll reap many benefits. A trip can be educational, enhances creativity, broadens your horizons, and, best of all, it's fun. You can travel by car, train, or plane. Make the most of your trips by doing the research before you go, so you hit the right weather and don't waste your visit figuring out what to do and see.

Food. Learn new cooking or baking skills on your own

or by taking cooking classes. You might also take up a new pastime of cooking your favorite cuisine. If cooking isn't your thing, you can still enjoy the savory experience. Explore a wider variety of foods. Taste a broader range of fruits and vegetables, and hit restaurants to try out cuisines you've never had before.

Dr. William Martin ChiropraCtiC It’s Easier to Stay Well than to Get Well Maintain your Health through Chiropractic

Sports & Fitness. Make exercise a regular

part of your routine. This is one of the most valuable things you can do for your physical and emotional health. Oh. But you don't like the "E" word? Then consider a sport. There are so many to choose from, whether you like team sports or prefer going solo. Golf, volleyball, tennis, kickball, swimming, martial arts, and rollerskating are just a few of your options. 

1015 Congdon ave.

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570-421-2977 Adjusting to the Flow of Health September/October 2020 Pocono Family Magazine © | 43

"Even avid nature lovers will agree that not all aspects of the outdoors belong inside one’s home."

44 | Pocono Family Magazine Š September/October 2020

Photo Courtesy of: Robyn Huff, @robyns_frenchnest

Home

HOME MAINTENANCE TIPS to Keep the Outdoors Outside

Even avid nature lovers will agree that not all aspects of the outdoors belong inside one’s home. While bugs, mud and allergens will sneak their way into interior spaces, the steps you take to manage these elements can keep your home more comfortable.

Contain Allergens Your home should provide a respite from outdoor allergens.

Unfortunately, pollen has a tendency to stick to skin, hair, shoes and clothes. Contain allergens by removing outerwear when you get home. If you spent the day in a grassy or forested area, you may also want to change your clothes or even take a shower before sitting on furniture. As far as cleaning is concerned, regularly shake out your welcome mat outside and away from the front door. Also, make a habit of regularly laundering items that touch your eyes, ears and nose most frequently, such as bedding and towels.

Combat Insect Invaders According to the Smithsonian Institution, there are over 200 million insects for each human on the planet! That’s a lot of critters, and despite your best efforts, some of them are going to enter your home, especially during peak bug season. With the National Pest Management Association’s bug barometer calling for high pest pressure from ants, roaches, mosquitoes and more this season, having a smart way to deal with insect invaders is a good idea.

The majority of people are concerned with the ingredients found in conventional bug killer sprays. If that describes you, look for effective solutions made without harsh chemicals. For example, Zevo Insect Killer Sprays with BioSelective Technology work

on a broad range of household insects, including ants, roaches, flies, fruit flies, gnats and spiders. The active essential oils in Zevo target nerve receptors vital to insects, not people or pets.

Easy to use, just spray on pests, then wipe up the dead bugs, as well as any excess product. Leaving only a light scent of essential oils, Zevo lets you get on with your day after use, and is available online or in-store at Target and Home Depots nationwide. To learn more, visit zevoinsect.com.

Make Floors Mud-Free Setting up a mudroom near the entrance of your home can help you combat footprints once and for all. If you don’t like being barefoot or want extra sole support, keep a pair of shoes nearby that you can swap into indoors. Just be sure that this pair never leaves the house. Have a dog? Wipe paws clean when you get home from walks, or better yet, try dog boots, which have the added bonus of protecting paws from sharp objects, hot pavement and other road hazards.

Banish Excess Moisture Too much moisture indoors is bad news. Damp spaces can promote growth and spread of viruses, bacteria and bugs, according to the American Lung Association. To keep your home’s interiors dry, fix up any leaks and keep humidity levels at 50 percent or less by adjusting controls on your air conditioner and/or by running a dehumidifier. The Institute of Medicine cites good ventilation and moisture control as ways to help limit both mold and bug problems.

With a few simple measures, you can manage all those peskier aspects of nature you’d rather not have indoors.  Courtesy of StatePoint September/October 2020 Pocono Family Magazine © | 45

Photo Courtesy of: Brand Point

Putting Your Home to Work:

5 Things to Know About Solar Panels As people have been spending more time at home and watching their utility bills increase, solar energy is becoming a topic of interest. In fact, even with more constrained purchasing practices in many households in the current environment, a recent Harris Poll research study revealed a 13 percent increase in consumer interest in solar energy since mid-March.

If you are among the millions of American homeowners considering making the logical step to solar energy, here are some facts from renewable energy experts.

That's not surprising, given that the installation of solar panels can save homeowners hundreds of dollars in monthly utility bills, boost the value of their homes and provide peace of mind about helping the environment. Thankfully, making solar energy part of your daily life has never been easier.

Your solar energy system gathers the most energy from full sun, but it can still work at 10 to 25 percent capacity on overcast days. What about snowy days? Your system will still gather some energy even if it's partially covered, and high-quality solar panels are designed both to withstand significant amounts of accumulated snow and to help melt it away.

46 | Pocono Family Magazine Š September/October 2020

Solar works all day, year-round, in any weather

It's easier than ever to go solar There are new tools to walk you through the technology and financing you would need to get started with a solar installation or conversion. One such personal solar advisor is called "Solar Concierge." This program from LG Solar takes a consultative approach, without high-pressure sales tactics, helping you determine whether solar meets your objectives and sets you up with an installer if you're interested.

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Solar panels pay for themselves By offsetting what you pay for electricity, solar panels can pay for themselves. The payoff date depends on the size and cost of your system, the amount of energy you use and the rebates and incentives you employ. Generally, for the first eight years or so, your annual investment in solar power will likely equal the amount you would otherwise pay to power your home in other ways. After that time, your solar power will essentially be free and should continue to work efficiently for many more years.

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Not all panels are created equal Because solar panels can vary so much, you'll want to conduct research before finalizing your purchase. Check reputable buyer's guides and seek a company that has a long history of high-quality design innovation, testing and manufacturing, looking for evidence of both cutting-edge solar technologies and global sustainability.

Find a brand you can trust with a 25-year warranty. When choosing products, note that some of today's high-efficiency panels generate nearly 20 percent more energy than conventional panels of the same size. With higher-efficiency panels, you may even have surplus green energy to sell back to your local utility provider.

Solar systems can be designed to work with most roofs These days, a number of options are available for securely connecting your panels regardless of the limited space your roof might have or what it's made of. A solar installer can assess your roof's maximum weight load and your city's building code before designing a solar system that works for your home. Homeowners can choose from a range of designs, including sleek and premium panels that deliver a modern aesthetic.

To find more information about the solar system that's ideal for your home, please visit lg.com. ď Ź Courtesy of Brand Point

Stroud Television & Appliances 219 N. 9th Street Stroudsburg, PA

570-421-7700 www.StroudTVandAppliances.com September/October 2020 Pocono Family Magazine Š | 47

Photo courtesy of Brand Point

55+

S EASY WAYS TO GET THE BENEFITS YOU OR

48 | Pocono Family Magazine Š September/October 2020

ome 60 million Americans receive Medicare benefits each year to help pay for health care and prescription drugs, according to the federal Centers for Medicare and Medicaid Services (CMS), the federal agency that runs the program.

Yet, many don't get the right benefits for their health needs and their budget.

"The biggest mistake people eligible for Medicare make is that they don't know enough about their options," says Kyal Moody, president of Medicare Benefits Solutions, a new offering from Health Compare. "As a result, people don't get the benefits they deserve."

Confused about which plan is right for you or your loved one?

Medicarebenefits.com can help. This new, free service lets you compare Medicare plans. It also offers access to licensed, experienced Medicare insurance agents who can help provide information on thousands of plans from the leading Medicare health insurance companies. Call the toll-free number: 1-866576-2956, Monday through Friday, 5 a.m. to 6 p.m. PT.

"The biggest mistake people eligible for Medicare make is that they don't know enough about their options"

Here are three other ways to help ensure you get the benefits you and your loved ones deserve:

KNOW THE OPTIONS. Two of every three eligible

people are enrolled in Original Medicare, according to CMS. The rest have chosen a Medicare Advantage plan, a popular option increased at 8% per year compared with less than 1% for Original Medicare. What makes Advantage plans so popular? In addition to covering all Medicare services, some Medicare Advantage plans also offer Medicare beneficiaries extra coverage through supplemental benefits, such as vision, hearing and dental services. Some also offer prescription drug coverage (Part D) as part of their plan.

Review your plan's drug coverage annually.

Look for changes in prescription drug formularies - the list of medications covered by your drug plan. If a prescription drug drops off the formulary it could cost thousands of dollars if you don't switch to a plan that pays for your medication.

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Do a benefits check-up every year. The National

Council on Aging, a nonprofit organization for seniors, offers a free, interactive site to check eligibility for a host of benefits from income tax relief to food, housing and utility assistance, transportation discounts, pension help and veterans' benefits.

Find more information at Findmybenefits.org or by calling the toll-free number, 1-800-794-6559, Monday through Friday, 9 a.m. to 5 p.m. ET, to be sure you are getting all the benefits and services you might be eligible for.  Courtesy of Brand Point September/October 2020 Pocono Family Magazine © | 49 March/April 2019

Photo Courtesy of: Pixabay

Community

In & Around the Poconos Fifth Annual En Plein Air

Now through September 7th, all paintings must be completed by October 7 The Dutot will be having a plein air event this year, so please sign up and tell all your friends. Any paintings that have been made this year in the borough of Delaware Water Gap or the Delaware Water Gap National Recreation Area are eligible.

There will be no stamping of the canvases before you start, but we ask that you submit only plein air work made in the town of Delaware Water Gap or the park (for any newcomers, plein air is work made outside and on location). As you can imagine, due to the pandemic, things will be somewhat different this year.

There will be no judging or awards. Instead of an in-person auction, there will be an online auction during the last two weeks of October. In addition, some of the work will be hung in the Dutot and Up the Mountain Video will be doing a film of the work and the event.

The entry deadline is September 7, 2020, and all paintings must be completed by October 7. But any paintings that meet the guidelines and were painted in 2020 are eligible, so start painting or gather your earlier work for submission! To help 50 | Pocono Family Magazine © September/October 2020

out the artists, the entry fee will be only $15 and the Dutot will only take a 20% commission. Auction details will be posted as they become available. Please keep a safe distance from other painters and have fun!!

As you finish work, feel free to post it to entice possible bidders and inspire your fellow artists.

First Saturday Art Walk

Now through October 3rd, monthly on the 1st Saturday of the month from 6:00pm - 8:00pm Visit all the downtown galleries for new works and featured artists the first Saturday of every month from August through October. Stroll the streets and enjoy food and wine on the way.

Participating galleries include: Artist of Origins Gallery, Gamut Art Gallery, Tolino Vineyards Stroudsburg Gallery, Soho in the burg at Renagade Winery, Turrell Art Studios, Andrei Art, School of Visual and Preforming Arts, and The Charcuterie's Gallery.

Ecozone Discovery Room!

Saturday, September 12, 2020, 1:00pm - 4:00pm

Geology Hike

Sunday, September 13, 2020, 1:00pm - 3:00pm Take a hike on the Fossil Trail with Paul Kovalski, aka Dr. Dinosaur, as we discuss the geology of our area and what makes our park unique. www.peec.org

Intro to Tent Camping

Sunday, September 20, 2020, 1:00pm - 3:00pm Learn everything you need to know about camping right here.

From basic shelters, to common knots, and even how to build a fire from scratch. It’ll be great practice for any future family vacations. www.peec.org

Owl Prowl

Sunday, September 20, 2020, 7:00pm - 8:30pm Pennsylvania is home to a number of different species of owls.

There are a handful of different species that live around PEEC. Let’s explore and see who we can find! www.peec.org

Fall Flights: Birds and Brews

Friday, September 25, 2020 to Sunday, September 27, 2020

Climb into a bald eagle’s nest, crawl into a bat cave, explore a beaver lodge, and dig in a fossil pit! Explore this indoor discovery room and enjoy hands-on exhibits on natural history, sustainability and the local environment. No registration required. www.peec.org

Arts & Crafts Fair in Bingham Park

Saturday, September 12, 2020, 9:00am to 4:00pm Enjoy the talents of artists and crafters displaying their fine wares. The fair hosts approximately 90 vendors with truly unique handcrafted items. These accomplished merchants travel from near and far to showcase their creative and distinctive gift ideas for that special someone or yourself! This event will take place rain or shine.

Bridge the Gap: Introduction to Orienteering

Sunday, September 13, 2020, 10:00am - 12:00pm Come learn how to use a map & compass on our orienteering course. We’ll show you the basics before you set out to try and find all the points. Space is limited – call early! Lead support provided by the William Penn Foundation. www.peec.org

Come out for a wonderful weekend of bird watching and beer tasting. Enjoy guided hikes that teach how to identify birds by sight, sound, and habitat. Saturday night we’ll provide transportation to one of our local breweries and the 1st round is on us! Includes two nights of lodging and meals from Friday dinner through Sunday lunch. $215 / Call for commuter & day rates. www.peec.org

Pocono Pumpkin Patch

September 26 through October 25th, Monday through Saturday, recurring daily, at Country Junction There's so much to see and do at the Pocono Pumpkin Patch, open daily late September through October. Pick pumpkins, play games and enjoy some great food. Enjoy daily hayrides, family corn maze, haunted house and much more. There's even more fall fun on weekends including wagon rides and a gourd grenade activity. See website for details.

Harvest Festival

Saturday, October 10, 2020, 11:00am - 04:00pm Celebrate Fall at PEEC’s 10th annual Harvest Festival!

Enjoy animal presenters, arts & crafts, hands-on activities, conservation exhibits, live music, local food, old-timey activities, & more! Bring your family & friends to this great event! www.peec.org September/October 2020 Pocono Family Magazine © | 51

Quiet Valley's 46th Annual Harvest Festival THE POTTING SHED Let us create something beautiful for you EXQUISITE FLORAL • GIFTS • HOME DECOR

(570)424-1174 • 931 Ann Street • Stroudsburg, PA 18360

733 Main Street Stroudsburg, PA Cupcake Shop & Nostalgic Candy

Exciting “How-to” Culinary Classes

570-730-4944 ldiemer@ptd.net www.Kitchen-Chemistry.com

Saturday, October 10 - 11, 2020, 10:00am to 5:00pm Quiet Valley Living Historical Farm celebrates their 46th Annual Harvest Festival. Come enjoy harvest time on the farm. Learn about heritage crafts and traditional skills such as spinning, weaving, hay fork making, scrapple making, apple butter making, basket making and candle making. There will also be plenty of folk entertainment, good country food made by hand, children’s activities, pumpkin decorating, a quilt raffle, pony rides, horse-drawn wagon rides, one room schoolhouse presentations, outdoor brick bake oven and much more. This event is great fun for all ages and will be held rain or shine.

Fall Photography

From Friday, October 16, 2020 to Monday, October 19, 2020 Would you like to learn how to take spectacular images of the Poconos fall foliage? Would you like to learn how to capture flowing waterfalls? Would you like to learn how to make your digital captures burst off the page? Then this workshop is for you! International award-winning professional photographer and instructor David Blecman will show you how to compose, create, and process stunning images of the Poconos fall foliage.

Learn proper camera settings, proper composing techniques, proper white balance settings, best focusing techniques, and amazing post-processing techniques to help your images explode with fascination and beauty.

Includes lodging and meals. $550 Full Workshop / Commuter rates available www.peec.org

Owl Prowl

Saturday, October 24, 2020, 7:00pm - 8:30pm Pennsylvania is home to a number of different species of owls.

There are a handful of different species that live around PEEC. Let’s explore and see who we can find! www.peec.org

Signs of Fall Hike

Sunday, October 25, 2020, 10:00am - 12:00pm

William H. Clark Funeral Home, Inc. The Caring Professionals

1003 Main Street, Stroudsburg, PA 18360 570-421-9000 | www.wmhclarkfuneralhome.com Gary A. Raish, Supervisor

52 | Pocono Family Magazine © September/October 2020

Take a hike with us and discover the science behind the wonderful season of fall. We’ll discuss changing animal behavior, why leaves change color, and why it’s the best season to be out and about! www.peec.org

Animal Tracking

Sunday, October 25, 2020, 1:00pm - 3:00pm Animals leave behind clues that give us glimpses into their lives. Explore our natural areas for tracks, trails, scat, territory marks, chew marks, and other signs animals leave as they travel through the fields and forests of the Poconos. www.peec.org

PARTING SHOT Photo courtesy of Ashley Hall

September/October 2020 Pocono Family Magazine © | 53

Now! ACCESS YOUR FAVORITE

POCONO MAGAZINES ONLINE

Pocono Living Magazine

and Pocono Family Magazine

ANY DEVICE, ANYTIME, ANY PLACE go to: Barrett Paradise Friendly Library Cresco, PA 570-595-7171 www.barrettlibrary.org

Pocono Mountain Public Library Tobyhanna, PA 570-894-8860 www.poconomountpl.org

Clymer Library Pocono Pines, PA 570-646-0826 www.clymerlibrary.org

Western Pocono Community Library Brodheadsville, PA 570-992-7934 www.wpcl.lib.pa.us

Eastern Monroe Public Library Branches Hughes Library (main branch) Stroudsburg, PA 570-421-0800 www.monroepl.org Pocono Township Branch Tannersville, PA 570-629-5858 Smithfield Branch Marshalls Creek, PA 570-223-1881 Bookmobile 570-421-0880 x49

54 | Pocono Family Magazine © September/October 2020

www.PoconoMagazines.com • READ CURRENT & PAST ISSUES • SUBSCRIBE FOR FREE • NEVER MISS ANOTHER ISSUE

September/October 2020 Pocono Family Magazine Š | 55

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