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Travel Gifts for the Holiday Season

Vacations create memories that last a lifetime. But across North America, surveys indicate that fewer people are cashing in on all of their vacation days. Some may be too busy to travel as much as they would like, while others might not be able to afford to travel. A gift of travel removes much of the expense of traveling and can serve as a catalyst one needs to go and explore.

Escaping to warm climates can be just what the doctor ordered when winter weather sets in at home. Although that first snowfall can make for a picturesque holiday season, there’s a good chance that after several storms and navigating icy roads, a getaway to sunshine and sand can help beat winter blues. When gifting travel this year, consider these great places to travel in January and February.

· Anguilla: Anguilla is a British territory in the Eastern Caribbean, just east of the British and U.S. Virgin Islands. It’s known for its long sandy stretches of beach and pleasant winter temperatures, which average 83 F. There isn’t much hustle and bustle, so this island destination can be the ideal place for relaxation.

· Australia and New Zealand: January and February are summer months in the southern hemisphere. These vibrant countries offer everything from costal charm to remote plains.

· Costa Rica: An abundance of wildlife, unspoiled beaches and rain forests draw visitors to this Central American locale. Travelers can hike active volcanoes or surf warm turquoise waters. The “dry season” arrives in December along with moderate temperatures.

· Honolulu: The weather in Hawaii tends to be beautiful year-round, but February can be an especially good time to travel to this U.S. island chain. Travel & Leisure says that hotels often slash their rates by up to 40 percent in February. This makes it much more affordable to gift a stay in Honolulu.

· Orlando: While holiday crowds peak in November and December, visiting Orlando and its main attraction, Disney World, is much easier when the crowds thin out in January and February. The slower season means affordable hotel rates and shorter lines for attractions.

· Montreal: Those who don’t want to escape the snow but embrace it might find a vacation in Montreal a welcome diversion. This cultured city offers Old World charm plus modern amenities.

· Puerto Rico: American travelers can vacation in Puerto Rico without needing travel visas or passports. While all of Puerto Rico is a sight to be seen, the capital of San Juan has thriving arts and culture.

· St. Martin: Also known as St. Maarten, this paradise offers two different cultures for the price of one. The island shares French and Dutch territory status. Visitors who like to eat well and party into the morning often find St. Martin an ideal destination.

Gifting plane tickets, hotel reservations or upgraded meal plans can make winter vacations that much more enjoyable.

How Being An Early Bird Can Benefit Holiday Shoppers

Come the end of the often hectic holiday shopping season, many people resolve to begin shopping earlier in the following year. While such resolutions can be hard to keep, shoppers would be wise to consider the myriad ways they can benefit by starting their holiday shopping earlier than they’re typically accustomed to doing.

Deals

The more time shoppers give themselves to find gifts for their loved ones, the more time they have to comparison shop and find the best deals. Retailers often offer steep discounts during the holiday season, but such deals may pale in comparison to those that can be had throughout the rest of the year. Holiday shoppers who begin shopping early can always skip buying in late summer or autumn if they think better deals can be had once the holiday season begins.

Shipping

By shopping early, shoppers can choose the least expensive shipping option offered by online retailers, potentially saving substantial amounts of money as a result. In addition, shoppers who start early won’t have to worry about items failing to arrive on time, a common source of stress for last-minute holiday shoppers.

Credit score

Another advantage to shopping early for holiday gifts is it allows consumers to protect their credit scores by spreading their spending out over several months instead of doing so in the handful of weeks between Thanksgiving and Christmas. In a survey examining debt associated with the holiday season, MagnifyMoney found that the average holiday debt in 2016 was slightly more than $1,000. Credit card debt can negatively affect consumers’ credit scores, especially if balances are not paid in full when bills are due. Shoppers can avoid such situations entirely by shopping early using only disposable income to make purchases instead of credit cards. Such financial flexibility may not be possible for shoppers who wait until the holiday season has begun to start shopping.

Time

Shoppers can save more than money by starting their holiday shopping in advance of the holiday season. In spite of the popularity of online shopping, many people still visit traditional brick and mortar retailers to do their present buying. Such stores can be overwhelmed with shoppers between Thanksgiving and Christmas, leading to long lines and lengthy searches for parking. Shoppers are far less likely to encounter big crowds and crowded parking lots if they get their shopping done before the dawn of the holiday season, saving themselves substantial amounts of time as a result.

Shoppers who commit to getting their holiday shopping done early can save money and time and protect their financial reputations as well.

Wenger & Myers Insurance My Franklin Shopper App

Stay Safe When Landscaping

Landscaping is typically viewed as a chore by homeowners, many of who enjoy doing some work on their lawns and gardens. But only few homeowners may recognize the potential dangers of lawn maintenance.

The Consumer Product Safety Commission reports that more than 230,000 people per year are treated for various injuries resulting from lawn and garden tools. Common injuries include loss of fingers, lacerations, broken and dislocated bones, eye injuries, and burns. Many of these injuries are entirely preventable if homeowners prioritize safety when tending to their lawns and gardens.

Understand the equipment

Homeowners should not assume they know how to use all of the tools necessary to maintain lush lawns and bountiful gardens. Familiarize yourself with the proper operation of manual and motorized equipment by reading the owner’s manual thoroughly, making special note of recommended safety guidelines.

Take some time to locate the power buttons and other parts by comparing them to illustrations in the guide. Once you feel comfortable handling the equipment, then you can begin to use it.

Wear appropriate protective gear

Failure to wear protective gear can lead to injury. Personal protective equipment includes gloves, eye protection, ear protection, boots, and a hard hat if necessary. When working during visibility conditions or at night, wear a reflective vest.

Other protective items include a hat to shade your eyes from the sun’s rays. Sunscreen will protect the skin from UVA and UVB radiation. Long pants and sleeves can guard against flying debris.

Watch your surroundings

Thousands of injuries occur to children and pets who get hurt around mowers. It’s best if children and pets remain indoors when homeowners are mowing or using other power equipment that may kick up debris. Children under the age of 12 may not have the strength or ability to operate lawn tools. Also, never make a game of riding a child on a riding mower. Nobody under the age of 16 should operate riding lawn mowers.

Get approval before digging

It’s difficult to know what is beneath the ground without having a property surveyed and marked. Digging without approval can result in damage to gas lines or water/sewer pipes. Always check with the utility company before digging trenches or holes.

Unplug or turn off all equipment

When not in use, keep lawn equipment off. Do not try to repair or fix a snag or obstruction in equipment while it is on. Don’t modify the equipment in any way, such as removing protective guards.

Exercise caution with chemicals

Follow manufacturers’ safety instructions when using pesticides or fertilizers. Avoid application on windy days or right before a rainstorm, as this can spread the product and damage the ecosystem. Keep people and pets away from treated areas.

Maintaining the yard is both a necessity and a hobby. Homeowners who prioritize safety can greatly reduce their risk of injury.

Apple Butter: Fall Recipe Favorite

Fall apples are a fresh, Pennsylvania favorite! Autumn offers the pick of the litter when it comes to this locally produced fruit. Perfect for mid-day snacking, baked in a pie, or start canning now to have holiday presents for friends and family!

One classic way to preserve is by making apple butter. Apple butter has a long history in the Pennsylvania & Ohio areas – like tapping trees for maple syrup, it was often a big celebration, with families and friends all gathering to pitch in for this yearly tradition.
Apples are are peeled, corred and boiled to create this sweet and creamy fruit butter. Copper kettles were a mainstay of this tradition, kept with a fire underneath for an entire day to make a batch of apple butter. Now, apple butter can be made worry-free at home in a crock-pot or with some watch, on the stove.
To make your own apple butter at home, follow one of these recommended recipes:

Crock Pot Apple Butter

Classic All Day Apple Butter

Applesauce Apple Butter

What’s your favorite way to enjoy Fall apples? Fresh from the tree? Pie? Crisp? Carmel dipped? Share your Favorite in our Comments!