PRICELE$$
March 2013
Dave Says Recipe Corner Health Wise Inspiring Parents, Motivating Kids, Celebrating Life
20 Reasons to Love Math www.WiseFamilyMagazine.com
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Farm Family - sent in by the Andersons
CAR TRIP JOKE
While on a car trip, an elderly couple stopped at a roadside restaurant for lunch. After finishing their meal, the elderly woman left her glasses on the table, but she didn’t miss them until they were back on the highway. By then, they had to travel quite a distance before they could find a place to turn around. The elderly man fussed and complained all the way back to the restaurant. He called his wife every name he could think of, making her feel guilty for causing them so much trouble. When they finally arrived at the restaurant, and the woman got out of the car to retrieve her glasses, the man yelled to her, “And while you’re in there, you might as well get my hat, too...”
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(BPT) - Spring is in the air - and that means pollen, mold spores and other airborne allergens are going to bring on sneezing and wheezing for an estimated 40 to 50 million Americans. The spring season can be especially bothersome with so much conflicting information on how to find relief. To help you better understand spring allergies and combat symptoms this sneezing season, the American College of Allergy, Asthma and Immunology (ACAAI), has answered some of the most frequently asked questions. 1. Why does it seem like more and more people have spring allergies? This is likely due to increased awareness and more people taking the steps to being properly tested and diagnosed. According to a recent study published in the Annals of Allergy, Asthma and Immunology, pollen counts are gradually increasing every year, which can cause heightened symptoms. 2. Do spring allergy symptoms only last during the spring months? The length of the season can help determine the severity of symptoms. For many areas of the country, spring allergies begin in February and last until the early summer. Mild winter temperatures can cause plants to pollenate early. A rainy spring can also promote rapid plant growth and lead to an increase in mold, causing symptoms to last well into the fall months. Allergists recommend starting medications to alleviate symptoms two weeks before they begin. If you have a history of prior seasonal problems, start your medication at the first sign of any symptoms. 3. Will eating local honey cure allergies? A common myth is that eating a spoonful of local honey a day can build allergy immunity. The idea is that bees pick up pollen spores from flowers, transfer them to their honey and help you better tolerate pollen. Seasonal allergies are usually triggered by windborne pollen, not pollen spread by insects. There is no scientific evidence that honey will provide any benefit or reduce allergy symptoms. Your best bet? Talk to your allergist about ways to avoid allergy triggers, the best medications to treat symptoms and whether immunotherapy (allergy shots) could be beneficial. 4. Is there such a thing as spring asthma? Allergies and asthma are often worse during different times of the year due to environmental allergens. An estimated 75 to 85 percent of asthma patients have allergies. These allergic responses in the lung can lead to symptoms of asthma. If you have spring allergies, this can be why you have more asthma symptoms during the season. Those
Health Wise
Frequent spring allergy questions answered
that believe they may have symptoms of nasal allergy or asthma can find a free screening program in their area by visiting www.acaai.org/nasp. 5. Can you suddenly develop seasonal allergies in adulthood? Yes. Although allergies are common in children, they can occur at any time and any age. Sometimes allergies go away, but they also can come back years later. If you suspect you have an allergy, you should keep track of your symptoms with MyNasalAllergyJournal.org and see an allergist to find relief. “By understanding what allergens trigger your symptoms and how to avoid them, you can find relief from spring allergies this season,” says Dr. Richard Weber, an allergist and ACAAI president. “An allergist can help you find the source of your suffering and stop it, not just treat the symptoms.” Allergies and asthma are serious diseases during every season of the year and that’s nothing to sneeze at. Misdiagnosis and inappropriate treatment can be dangerous. To learn more about these conditions, and locate an allergist in your area, visit www.AllergyAndAsthmaRelief.org. ■
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Recipe Corner
Why going gluten-free doesn’t mean going grain-free (BPT) - It’s impossible to stroll the aisles in your local supermarket without seeing package after package labeled “gluten-free.” But who really needs a gluten-free diet, and how can you still enjoy grains, even if you are eating glutenfree? Gluten is a protein found in just four grains: wheat, barley, rye and triticale, a wheat-rye hybrid. For people with celiac disease (an estimated 1 percent of the population) eating foods containing gluten can cause an immune reaction in the small intestine that leads to a host of health problems, from abdominal pain to vitamin deficiencies that can affect the brain, bones, liver and other organs. Some people who don’t have celiac disease still suffer from gluten-sensitivity or allergies to wheat, and can benefit from a gluten-free diet. No matter the reason behind going gluten-free, for those making the switch it might seem like the end of eating grains. However, that shouldn’t to be the case. While cutting out gluten-containing grains is important for those who are gluten-intolerant, there’s an array of other whole grains naturally gluten-free - that can make your diet as varied, delicious and nutritious as you like. If you’re building a gluten-free menu, it’s important to include whole grains, which provide many essential nutrients. Try some of these options in your meals, from breakfast to dinner, to get a taste of the flavors and textures that whole, gluten-free grains have to offer: * Amaranth - Popped like corn or added to soups or a pilaf, this heart-healthy grain adds great taste and texture. * Buckwheat - Whether used whole or ground as flour, buckwheat provides a rich, nutty flavor. * Corn - A classic American staple that is as versatile as it is easy to find.
* Millet - Let it stand alone as a side or bake it into crunchy crackers; millet’s mild flavor ensures that it plays well with other ingredients. * Oats - Oats themselves are gluten-free, but they’re often processed in places where gluten products are also made. Make sure your oats are certified as free from crosscontamination. * Quinoa - This nutrient-rich grain has been a staple in the Andes Mountains for centuries, and it’s gaining in popularity for its versatility and subtle flavor. * Brown and colored rice - Rice itself, or products made from it, like noodles, can be used to prepare delicious dishes from around the globe. * Sorghum - Flour made from this nutrient-packed grain can be used to make everything from pie crust to pancakes. It can also be popped - it’s a fun treat that looks like mini-popcorn. * Teff - Tiny teff grains (3,000 grains weigh just one ounce) make a flavorful flour that can be used for crepes, breads or injera, the spongy flatbread that is a dietary staple in the grain’s native country of Ethiopia. * Wild rice - Hearty, nutty and utterly delicious, wild rice is a welcome addition on any plate. Use it as stuffing, in a salad or simply on its own. Because all of these whole grains have their own nutrient profiles, mixing them up is a great way to make your diet healthier - the more different grains you eat, the more nutritional variety you’ll get. Recipes for each kind of glutenfree grain can be found at www.wholegrainscouncil.org. To get started, try this delicious dish, Southwestern Quinoa Salad, which pairs both quinoa and corn with flavorful, fresh ingredients that everyone will love. ■
Southwestern Quinoa Salad 1 cup quinoa 2 cups vegetable broth 2 ears corn, roasted and cut off cob 1 red bell pepper, roasted and chopped 1 15-ounce can black beans, rinsed and drained 3 scallions 1/2 cup chopped cilantro
3 limes, juiced 2 tablespoons olive oil 1/2 -teaspoon cumin 1/2 teaspoon salt 1/4 -teaspoon fresh ground black pepper 1/8 teaspoon cayenne pepper
Directions
Put quinoa and broth in a medium saucepan. Bring to a boil, cover and simmer for 15 minutes or until tender. In a large bowl, mix together quinoa, corn, pepper, beans, scallions and cilantro. In a small bowl, whisk together lime juice, olive oil and seasonings. Pour over quinoa mixture.Cover and chill for at least 30 minutes to let flavors set. 4
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On The Cover: March, 2013 In our 8th year of ‘Making A Difference’
Spring is right around the corner!
P.O. Box 521 • Boyd, Texas 76023
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In This Issue: Health Wise . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
Publisher & Parent Company . . . . . . . . . . . TinkInkPublications.com
Recipe Corner . . . . . . . . . . . . . . . . . . . . . . . . . . 4
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Dave Says . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8-9
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Like Skills . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
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Alvord Public Library 940-427-2842 • W,TH, F . . . . . . . . . 9:00 a.m. - 5:00 p.m. • SA . . . . . . . . . . . 9:00 a.m. - 12:00 noon Boyd Public Library 940-433-5580 • M, W, F . . . . . . . . 10:00 a.m.- 3:00 p.m. • TU . . . . . . . . . . . 10:00 a.m. -7:00 p.m. • TH . . . . . . . . . . . 3:00 p.m. – 7:00 p.m. Bridgeport Public Library 940-683-3450 • M,W,F . . . . . . . . . 10:00 a.m.- 6:00 p.m. • T,TH . . . . . . . . . . 10:00 a.m - 7:00 p.m. • SA . . . . . . . . . . . . 10:00 a.m.- 2:00 p.m. Chico Public Library 940-644-2330 • M,F . . . . . . . . . . . . 1:00 p.m.-6:00 p.m. • T,W,TH . . . . . . . . . . 1:00 p.m.-5:00 p.m. • SA . . . . . . . . . . . 9:00 a.m.-12:00 noon Decatur Public Library 940-627-5512 • M,T,TH . . . . . . . . . 10:00 a.m. – 8:00 p.m • W,F . . . . . . . . . . . 10:00 a.m. – 6:00 p.m. • SA . . . . . . . . . . . 10:00 a.m. – 2:00 p.m Newark Public Library 817-489-2224 • M,T,Th,F . . . . . . . . . 3:00 p.m. - 7:00 p.m. • Sat . . . . . . . . . . . 9:00 a.m. - 1:00 p.m. • Sun & Wed closed Rhome Public Library 817-636-2767 • T-F . . . . . . . . . . . 1:00 p.m. - 5:00 p.m. • Sat . . . . . . . . . . . 10:30 a.m. - 2:30 p.m.
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Dave Says
Living without eating out Dear Dave, When it comes to taking control of your money and living on a budget, what’s the biggest thing a family can live without? - Will Dear Will, There are always the shiny things people can do without. Sometimes people sell a fancy car or boat and get rid of a $600-a-month payment right off the bat. But on a regular, day-to-day basis, I think maybe the biggest and best thing you can amputate from your life is eating out. I love a good restaurant, and I’ve got nothing against the industry. The problem, though, is that people are struggling to pay their bills or set aside something for retirement because they’re eating out all the time. Most folks simply don’t realize how much money they throw away by heading to the drive-through for lunch or going out to dinner “once in a while.” I want people to enjoy life, and a great part of that can be going out and having a meal with your family and friends. Just don’t do it when you’re broke. If you’re having financial issues, the only time you should see the inside of a restaurant is if you’re working there! - Dave Payoff debt vs. down payment Dear Dave, We’re expecting our second child next spring, and even though we have an extra bedroom, our place is pretty small for a growing family. We also have $40,000 in student loan debt hanging over our heads, but we can save up almost $50,000 by the time the baby’s here. Should we use this money to buy a bigger home or pay off debt? - Chris Dear Tyler, If it were me, I’d make sure to knock out the student loan before buying a house. Trust me, if you buy a home with a ton of debt hanging over your heads, Murphy will move into your spare bedroom and make your lives miserable. If it can happen, it will happen. And that’s especially true when it comes to buying a house when you don’t have much cash on hand. You’re telling me you can save nearly $50,000 by next year. That means you guys are making pretty good money. So there’s no reason you can’t turn around and do the same thing next year, right? I mean, this is only a one- or two-year program we’re talking about. In another year’s time, you could save up for a huge down payment with some extra savings on the side. If you waited and saved
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for two years, there’s a possibility you could pay cash for a bigger place outright. Imagine how cool it would be to have your own home with no mortgage payments! Just clean up the extra bedroom and fix it up as a nice nursery. Some new carpet or hardwood is always nice. Throw in a fresh coat of paint, and you’re in business. Then, a year or two after the new baby arrives, you’ll be ready to move from a financial and a family perspective. A baby can live just fine in a small bedroom. There’s nothing in the world wrong with that! - Dave Not ready to combine finances Dear Dave, I recently got engaged. Is it okay for us to go ahead and combine finances and start working on a budget before we get married? - Adam Dear Adam, No, it is not okay to combine finances with anyone to whom you’re not married. And by “okay,” I mean wise. I’m happy that you’ve found love, but all kinds of things can happen before the rings are slipped onto your fingers. I’m not wishing bad things on you, but what if you spend time paying off her debt, or vice versa, and then the relationship doesn’t work out? Bringing finances into that kind of situation is just asking for trouble. You do not want to go there! Now, all this doesn’t mean that you can’t begin working together on budgets for the future and goals for your lives. We’re talking about full disclosure to make this happen. She knows all about your income and debts, and you know about hers too. You guys need to have some serious discussions about saving, spending and debt, and get on the same page with your finances before the big day. But no, my advice is that you each pay your own bills until after you’re married. Once that happens, there’s no “yours” and “mine” anymore. It all becomes “ours.” - Dave Can I self-insure long term? Dear Dave, I just turned 57 and have been researching long-term care policies. Is there a point where you can self-insure for longterm care needs without a policy? - Rick Dear Rick, Mathematically, I’d say you could safely self-insure if you have the resources available to support your care in a nursing home or other facility for 25 years. Of course, if
Should I stay or go? Dear Dave, I graduated from college in May with $20,000 in student loans and have been working an hourly job on my dad’s farm until something opens up in my area. My sister is getting married soon in Mexico, and it would cost me about $2,000 to attend. Do you think I should go? - Aaron Dear Aaron, I understand about family, and I think you should be at your sister’s wedding. But on the other hand, it’s a little ridiculous to expect an hourly wage farm worker to travel to Mexico for a destination wedding. The first thing I’d do is shop around for lower airfare. Financially speaking, that’s going to be a big chunk of this, and I’m pretty sure you can find cheaper prices. It wouldn’t hurt to ask mom and dad for a little help, either. They may even be willing to foot the bill. You’ve got a bunch of debt and not a lot of income right now. On top of it all, you’ve had this trip dropped in your lap. But start out by telling your dad that you’re willing to try and pay for this, and ask him, too, if there’s any way you can make some extra money at your job. A family should be together to celebrate an occasion like this, and I bet he’ll be willing to help you out! - Dave
Why you shouldn’t cash out Dear Dave, Is it a good idea for a married couple in their early thirties, who have a lot of student loan debt, to cash out one of their 401(k)s to pay it off ? - Marcy Dear Vickie, No way! You never cash out a 401(k) or IRA to pay off debt, unless it’s to avoid a foreclosure or bankruptcy. Let’s say you take $50,000 out of your 401(k). Do you know what happens next? They’re going to charge you a 10 percent penalty, plus your tax rate. If you make $75,000 a year, that puts you in a 25 percent tax rate, plus the penalty. That’s a 35 percent hit, and that’s how much of your money is going straight down the toilet. Look at it this way. You wouldn’t ask me if it’s okay to borrow money at a 35 percent interest rate to pay off your school loans, right? That would be ridiculous, and this is just as dumb. There are no shortcuts when it comes to getting out of debt, Marcy. Roll up your sleeves and get on a beans and rice budget where every dollar has a name. This will enable you to save money and pay off that debt! - Dave ■
Dave Says
you’re married you have to think about your spouse and make sure she has enough to live on comfortably at the same time. That’s a lot of money. In my mind, it’s a large enough bill that it makes sense to transfer the risk to a long-term care insurance policy. The simple truth is most people won’t have enough money to self-insure for that kind of thing when the time comes. If you have $20 million liquid sitting around, then you could easily set aside $2 to $3 million for long-term care and still be in great shape. But I advise virtually everyone to have good, long-term care coverage in place by age 60. For many folks, it can make the difference between living with dignity and having to depend on the government. And that’s not something I ever want to do for anything— especially not my healthcare! - Dave
Dave Ramsey For more financial help, please visit daveramsey.com
Every day I get up and look through the Forbes list of the richest people in America. If I’m not there, I go to work. - Robert Orben 940.210.1769 • WISE
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Family Album
Landri murphy 6 yrs old Allie murphy 2 years old - Two Chicks That Click Photography
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“The greatest discovery of my generation is that a human being can alter his life by altering his attitudes.” - William James The beginning of success is the discovery that you have not reached your destination. All of your meticulous, carefully laid out plans have stalled or hit a stumbling point and your goal seems out of reach. It is time for new direction, new thought, to move forward and complete your life’s desire. Too often, instead, we sit down and make camp at the brick wall or fail to stand again and try new concepts. Perhaps our vision is skewed. Money. Seems like everybody is always talking about it. They want more. They need more. They scheme and plan and fret and obsess over money. The ability to achieve greatness almost seems one dollar away. The truth is that money, while improving the possibilities of life, is far more than the only tool needed for success. Yes, money is a tool. When used correctly, money can open doors, meet needs and encourage peace of mind. After that, it is up to you. The keys to success are within you. You are the value of your business. Money opens doors but it is you that must enter in. Have you practiced your introduction? Are your plans, goals and objectives clear cut and easily understandable? Can you present your dreams and ideas clearly enough that others catch your enthusiasm? Have you placed on paper (or in computer presentation form) these visions so that investors and others are encouraged to join you in your journey? Money does meet needs but it will never replace creativity and vision. No one will ever envision your project or idea with the clarity you possess. Play to your strengths. What do you do best? What are your areas of weakness? It is a truth, very few can do everything necessary to bring the vision to life. Are you open to the inclusion of others, to bring life to your project? Money may purchase the materials you need for success, but you are the action and the glue that will create the energy and cohesiveness necessary to see your dream to completion. Hand-chosen assistance can move you more speedily toward the ultimate completion of your goal. Money in the bank often does enable you to have peace of mind. Let’s be honest. If you know bills are met, resources are available and no one will come and reclaim your assets, you will find you live more ferociously. However, to fully succeed in business, you must look to yourself for resources
to push you forward on the days business is tough. Are you open to additional training in business management skills? Money can’t make you “better at business”. It can only provide equipment and supplies. You and your skills make business better. To be a success in your business, you must discover peace of mind within you. If you find discomfort when you search out your inner self, can you be honest enough to seek growth to improve your business outcome? Learn to delegate to multiply your output of production and growth, Plan and train, the ultimate duo in business, to see measurable growth. So, it’s all up to you. Make your plans, organize your thoughts and then work those plans. Keep your eyes and ears open to change - adjustments will always be necessary on any journey - and plan to make it. Make it big. The world needs successes - for examples, for inspiration and for igniting others to action. Oh, and if you have money, invest wisely. Abraham Lincoln said, “The best place to invest is in yourself.” ■ Keitha Story-Stephenson, Ph.D.
Keitha Story-Stephenson, PhD, director of BlueSky Wellness Center, provides private consultation for individuals and corporations in Nutritional Wellness, Weight Management, ADD/ADHD Nutritional Management and other Alternative Health Care. Available by appointment in Decatur, Texas ay 506 West Walnut. You may phone 817-239-9525 or visit ainformation. Follow us on our blog, www. DrKeitha.com or www.MerchantsCircle.com Keitha also serves as CEO of SkyBlue Family Ministries. You may reach the ministry by email at DrKeitha@me.com. Tune in to Christian Radio, KDKR 91.3fm, on Saturdays at 1:30pm, for “Feeding the Family-Mind, Body and Spirit”. Or tune in through live streaming at KDKR.org for our broadcast.
Women’s Occupational Workshop
Money-Money-Money…
Always borrow money from a pessimist, he doesn’t expect to be paid back. - Author unknown If you are reading this, you’re probably not the only one!
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You May Live in Texas If someone in a Lowe’s store offers you assistance and they don’t work there, you may live in Texas; If you’ve worn shorts and a parka at the same time, you may live in Texas; If you’ve had a lengthy telephone conversation with someone who dialed a wrong number, you may live in Texas; If ‘Vacation’ means going anywhere south of Dallas for the weekend, you may live in Texas; If you measure distance in hours, you may live in Texas; If you know several people who have hit a deer more than once, you may live in Texas;
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If you install security lights on your house and garage, but leave both unlocked, you may live in Texas; If you carry jumper cables in your car and your wife knows how to use them, you may live in Texas; If the speed limit on the highway is 55 mph --you’re going 80, and everybody’s passing you, you may live in Texas;
Readers…
Send your stories or photos of friends, family and events to pics@ wisefamilymagazine.com!
Deductions that could dramatically cut your tax bill
F
or all the talk about taxes during the “fiscal cliff” debate at the end of 2012, many people are still left wondering what it means to them as the April 15 filing date approaches. Brush up on these five deductions before tackling your tax return. 1. Traditional IRA contributions. You have until April 15 to contribute up to $5,000 to a traditional IRA for 2012 and, if you qualify, deduct it on your tax return. 2. Self-employed retirement plans. If you work for yourself, you can open a Simplified Employee Pension IRA by April 15 and deduct your contribution on your 2012 return. 3. Mortgage interest. You’re allowed to deduct interest paid on your primary mortgage, as well as home equity loans, home improvement loans and lines of credit. 4. State and local taxes. The federal government generally allows taxpayers to deduct property and income taxes paid to state and local governments. 5. Sales tax. If you didn’t pay much state income tax - or live in a state that doesn’t tax income at all - you may be able to choose See page 16 for the full story to deduct sales tax instead.■
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Leslie Hollis, MD
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609 Medical Center Dr., #2300 Decatur, Texas 76234 Attached to Wise Regional Hospital www.WisePediatrics.com 940.210.1769 • WISE
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Laying Down th Law 14
Money and family…
T
he theme of this issue of Wise Family Today is “money.” I know that some of you are saying “what money?” especially with the current state of the economy as well as the new payroll tax hit you just took on your last check. Money is always an issue within the family. After many years of representing clients in family law matters, money issues were almost always at the forefront of the decision to divorce. I won’t pirate Dave Ramsey’s articles, but I think I have found a few things that may help lower your stress level (at least it did mine). Sports. Sports are a major portion of our kid’s lives. Football in fall, baseball and soccer in Spring, softball, and basketball all take up our time and money. For those of us that have multiple kids in sports, the effect on our pocketbook is even greater. Getting good gear is important, but on many things like cleats, pants, bats, etc., you can find them lightly used at various sales as well as services like craigslist and facebook. Some things have to be new, but both my boys have played in hand me down gear for many seasons. Participation. How does mutual participation in the home matter with your money? I have found that in homes where both mom and dad actively participate in the day to day running of the home (laundry, dishes, cooking, scheduling, taxi service, etc.), that they are always more able to use their money more efficiently. In my house, my slacker effort around the house caused stress and stress caused us to be less able to work together with our finances. A little help goes a long way for both parties.
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Don’t think I am picking on you guys out there, as I have seen it both ways. Take a break. Moms and Dads get so caught up in the daily running of their lives that they forget what brought them together in the first place. Love. I know it sounds cheesy, but when you are working long hours, going to practices, handling house duties, and trying to manage your finances all at the same time, your love for each other sometimes takes a back seat. Take a break. Take a deep breath from the daily grind and remind each other that above all, you love each other. That little break allows a family to reconnect and helps you work on those more difficult things like financial planning. After all, do you really think that you are going to be able to put together a good financial plan when you are both stressed out and unhappy? Much of what I write here is from personal observation and my own experiences. Managing and using your money efficiently is more than just putting together a plan. It is a team effort! See you next month. ■
James Stainton Wise County Attorney
Family Album
Anticipation By Aspen Photography
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Deductions that could dramatically cut your tax bill (BPT) - For all the talk about taxes during the “fiscal cliff” debate at the end of 2012, many people are still left wondering what it means to them as the April 15 filing date approaches. “’Is it a big deal? Or is it business as usual?’ are questions I’m hearing,” says Scott Halliwell, a certified financial planner with USAA. “While many issues were resolved, a lot of taxpayers still aren’t sure how their tax returns and deductions are affected.” If you’re one of those people, brush up on these 10 deductions before tackling your tax return. They are worth reviewing, as they could lower your tax bill. 1. Traditional IRA contributions. You have until April 15 to contribute up to $5,000 to a traditional IRA for 2012 and, if you qualify, deduct it on your tax return. Here are some guidelines: If you were 50 or older on the last day of 2012, you can contribute up to $6,000. If you (and your spouse if you’re married) weren’t covered by an employer’s retirement plan in 2012, you can generally deduct your contribution in full. If you were covered by an employer plan, you can only take a full deduction if your modified adjusted gross income was $58,000 or less ($92,000 or less for married couples filing jointly). Your deduction is reduced if your modified adjusted gross income is higher. If your spouse was covered by a retirement plan at work but you weren’t, you’re eligible to take a full or partial deduction if your combined adjusted gross income was below $183,000. See IRS Publication 590 for more details. 2. Self-employed retirement plans. If you work for yourself, you can open a Simplified Employee Pension IRA by April 15 and deduct your contribution on your 2012 return. SEP IRAs may be an easy way to create your own retirement plan, and they can allow much higher contributions than traditional IRAs. Contributing to a SEP IRA does not exclude you from making an IRA contribution, but it may affect whether you can take a deduction for it. (A SEP IRA is considered an employersponsored plan). 3. Mortgage interest. You’re allowed to deduct interest paid on your primary mortgage, as well as home equity loans, home improvement loans and lines of credit. In general, you may deduct interest on up to $1 million of primary mortgage debt and up to $100,000 of home equity balances. 4. State and local taxes. The federal government generally allows taxpayers to deduct property and income taxes paid to state and local governments. 5. Sales tax. If you didn’t pay much state income tax - or live in a state that doesn’t tax income at all - you may be able to choose to deduct sales tax instead. And you typically don’t need receipts - simply calculate an assumed amount using an IRS table or online calculator. 6. Charitable gifts. Make sure you have the right documentation. Cash contributions - regardless of the amount - require a canceled 16
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check or dated receipt. Any contribution of $250 or more requires bank or payroll deduction records or a written acknowledgement from the charity. Noncash contributions valued at more than $5,000 generally require an appraisal. 7. Education costs. Up to $2,500 in interest on loans for qualified higher education expenses may be deductible if your adjusted gross income is less than $75,000 ($150,000 if you’re married and filing a joint return). A portion of your tuition and fees may be deductible if your adjusted gross income is $80,000 or less ($160,000 on a joint return). 8. Medical and dental costs. You may be able to deduct these expenses if they exceed 7.5 percent of your adjusted gross income. 9. Health insurance. In general, self-employed taxpayers may be able to deduct all of their health insurance premiums. 10. Health savings accounts. If your family was covered by a high-deductible health insurance plan in 2012, you may be able to contribute up to $6,250 to a health savings account ($3,100 if it only covered yourself). Contributions are deductible, and similar to IRAs, you have until April 15 to contribute for the 2012 tax year. ■
B
eing female does not guarantee a girl will grow up to be a lady and the current self-absorbed culture is not likely to model or promote the qualities of a lady. It is a process for a girl to become a woman and develop into a lady. Parents invest a great deal of time and resources to develop their daughter’s academic, athletic, or artistic talent, with little or no thought as to what is required for her to mature into a lady. A lady understands that her appearance, behavior, and way of communicating provide others with valuable insight into her character. She knows that her true beauty is not acquired at a make-up counter, with a new outfit, or by following the latest Hollywood trend. Rather, she understands true beauty is first inward. A lady understands that her real strength is not found in trying to be like a man, but rather, in being gracious, thoughtful, kind, intelligent, self-assured, and poised.
“Being female is a matter of birth, being a woman is a matter of age, but being a lady is a matter of choice.” Deborah King The traits of a lady include: A lady is generous with her time, wisdom, and resources. She is a woman of her word and follows through with her commitments, whatever the cost. She willingly serves others and extends a hand to those in need. She manages her priorities and time well - understanding that she can only serve others after she has taken care of herself. A lady possesses a positive outlook on life. Her humor, wisdom, and consistent encouragement attract others to her. A lady is a lifelong learner. She maintains a teachable posture and embraces change for the better. She does not compare herself to others, but embraces her strengths and accepts her weaknesses. A lady models civility in how she treats others. She demonstrates respect, restraint, and personal responsibility in her appearance, behavior, and communication. She is honorable, and values and respects others.
A lady possesses a strong work ethic. She takes pride in her labor at home and in the community, and strives to give her very best. She is trustworthy, loyal, and people speak well of her. A lady is poised, graceful, and confident. Her posture and body language communicate a strong personal presence.
Life Skills
10 Qualities of a Lady
A lady is well-dressed. She knows how to select clothing that is modest, age appropriate, within her budget, and perfect for the occasion. She is well groomed, practices good hygiene, and maintains her health. She understands that her personal appearance - the way she chooses to dress, groom, and carry herself – communicates instantly to others who she is. A lady is well-spoken and a generous listener. She knows how to effectively connect with others and communicate her message. Her words are kind, tactful, and free from gossip. She is gracious and inclusive. A lady manages her home and the needs of her family. She creates a welcome, peaceful, loving, and nourishing environment – a safe shelter from the storms of life. Her actions reflect whom she has chosen to be rather than base them upon the opinions of others. Our society is a case in point for the need to embrace the understandable and, ultimately, achievable principles of being a lady. The art of being a lady is relevant for today and it is accessible to every woman - young and old. ■
Deborah King, AICI CIP Deborah King is President of Final Touch Finishing School, Inc. which she founded in 1989 in Seattle. As a certified image professional, with over 30 years of experience, she presents her programs nationally and internationally for youth and corporate clients. She is co-author of “Image Power” and “Executive Etiquette Power” and developer of several education tools. www.finaltouchschool.com.
A lady is well-mannered and knows what is appropriate. She is able to navigate various social and professional settings with ease and proficiency. She embraces all people – those from other cultures, as well as individuals from various social and economic backgrounds. 940.210.1769 • WISE
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20 Reasons It’s Way Cool to Love Math 1. Arithmetic practice is a workout. It stimulates and exercises the prefrontal cortex in your brain (bonus: you don’t have to change into yoga pants or get all sweaty). 2. Math doesn’t involve memorization of historical dates or dangling participles. 3. You don’t have to be a great public speaker or a poet to be good at math. 4. Math seldom requires an ugly uniform and group showers after class. 5. Instructors of math do not routinely deduct points for poor spelling. 6. Answering math questions rarely requires five paragraph essays or alliteration. 7. Complicated verb conjugation doesn’t spring up in equations. 8. Math makes you a better musician. 9. Everybody can learn it—math is a universal language. 10. Logic found in math is refreshing; so much else in life is grey! 11. Knowing math leads to wiser financial decisions (cha-ching). 12. Recipes almost always involve math measurement. 13. Projects around the house are simplified with math knowledge…how much paint will I need to cover 300 square feet? 14. Math poses no need to ponder deep philosophy like what Kierkegaard meant about the need to engage in a state of despair before becoming stuck in a state of inertia. 15. Calculating sale prices at the mall involves math and impresses your companions. 16. Engineers and quantum physicists are awesome at math and rake in the dough. 17. Everybody knows ‘The Count’ on Sesame Street loves math and is the coolest muppet dude on the planet. 18. Numbers and math offer relief from all those rehearsals of “Go Tell it On the Mountain” on the recorder in music class. 19. Building with wooden blocks counts as geometry math work. 20. Understanding and using patterns in math leads to advanced problem solving and higher level thinking across all subjects.
Michele Ranard, M.Ed. Michele Ranard is a freelance writer who has worked as an academic tutor for a decade. She has a husband, two sons and a master’s degree in counseling.
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Family Album
Decatur Women’s Health Center Who do you TRUST
with your OB/GYN care?
Your health and well-being as a woman are our concern. We offer a full range of obstetrical and gynecological care. Our emphasis is on making You feel comfortable, confident and reassured.
Douglas Kyle, M.D.
Call today to schedule your next appointment.
940-627-4216
1713 S. FM 51, Suite 101 • Decatur, Texas 76234
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Reaching for the stars By Aspen Photography
Venture Crew 121 of the Wise County area Venture Crew 121 cementing a bond with members, new and old, at Fossil Pointe Shooting and at Summit Rock gym.
In the Pictures: Brett Daugherty, on the climbing wall, Crew Advisor Jonathan Wood, with two thuumbs up for rock climbing, Sarah Nichols, aiming the 9 mm, New member Brianna Huckabee, with “an old western gun”, Crew Advisor Jennifer Prentice, with an M16, and Kurt Nichols helping Alexis Garrett with the M16.
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Wise County Animal Shelter Wisecounty Animalshelter on Facebook Or look for the volunteer ran FB page Urgent Animals at the Wise Co Texas animal shelter
Ways you can help the shelter.
Donate suppliesCanned and dry dog/cat food Dog/cat treats (No rawhide bones) Kitty Litter Dawn dish soap Bleach Laundry detergent Batteries (9v and AAA) for scale and chip scanner Volunteer your timeCome walk dogs, bathe and groom, interact with cats Donate to sponsor adoptionsEach adoption Is $25.00 you can sponsor adoptions by making a check payable to the Wise County Animal Shelter and mailing it to Brenda Argraves, 425 Hilltop Drive, Decatur, TX 76234. Brenda will post on
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Facebook when your sponsor fee has been used. She will mail you a receipt from the shelter once your funds have been used. Donate to sponsor spay/neuter couponsMail a check made payable to shelter volunteer Brenda Argraves to 425 Hilltop Drive, Decatur, TX 76234. She will pass out coupons to new pet owners who adopt from the Wise County shelter for spay/ neuter discount. Make sure you write in the memo section on the check what the donation is for. Foster for rescue groupssometimes when rescue groups are willing to pull a dog or cat from the shelter they need someone to foster the animal until they can have it transported to it’s new home or until it can be adopted. If you would like to find out more about becoming a foster please Contact Shelly Sessums on FB or go to her website at www. safeandsoundanimalrescue.com and fill out the foster application. Donate directlyDonate directly to the shelter for general needs- drop by or mail a check to 200 Rook Ramsey Decatur Texas 76234
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