Tag: holidays

Baking Shortcuts for Time-Pressed Entertainers

‘Tis the season for baking cookies, cakes and other treats. However, during the holiday rush, it’s easy to get side-tracked or tired, and perhaps even a little bit overwhelmed by all the things to do in such a short period of time. Holiday baking doesn’t have to add to seasonal stress. With these tips and shortcuts, there will be plenty of sweet treats for the family.

Stick with tested recipes

Although holiday bakers may want to branch out a bit with their culinary creativity, recipes that have previously been prepared with great success can take some of the work out of holiday baking. Preparing recipes you recall preparing in the past is much easier than trying something new. If you’d like, add sparkle to old standards, such as decorating oatmeal or chocolate chip cookies with colored sprinkles.

Cookies are fast-baking

Did you know that cookies were originally made to test oven temperatures? Culinary historians say that cookies were first made to test if an oven was hot enough to bake other goods. Today, cookies can be whipped up in mere minutes. Make a batch of dough and then freeze or refrigerate it, thawing it when the time comes to bake. Also, think about baking one day and decorating the next if pressed for time.

Embrace colored candy melts

Icing can be tricky to master. Simply heating colored candy melts and pouring over cakes or painting onto cookies can add festive appeal to desserts. Candy melts even come in many different colors and can be combined to achieve the tint desired.

Keep ingredients in top form

Don’t let poorly performing ingredients or a lack of supplies be your undoing. Butter can be softened quickly in the microwave when needed for recipes. Eggs can be brought to room temperature by allowing them to sit in a bowl of warm water. Ensure that brown sugar stays soft by putting a piece of sliced bread in the container. Don’t forget to stock up on other baking staples, such as vanilla and almond extracts, baking powder/soda, molasses, and confectioner’s sugar.

Don’t bake from scratch

Not all recipes need to be made from scratch. Boxed cake mixes can be embellished and turned into delicious desserts without much fuss. Substitute melted butter for oil, buttermilk for water, and add an extra egg for a rich cake. Mix in chocolate chips or nuts or experiment with garnishes for a festive look.

Parchment paper is key

Line cookie sheets or cake pans with parchment paper for easy dessert release and quick cleanup. Parchment paper and even foil can help lift cakes or cookie bars out of pans so they look neat and do not stick.

Holiday baking can be made much easier by employing a few tricks of the trade.

My Franklin Shopper App

Set and Stick to Your Holiday Budget

The chance to give gifts and spend time with loved ones makes the holiday season a special time of year. But for many people, the holiday season often leads to overspending.

A 2016 survey from the American Research Group found that American shoppers anticipated spending an average of $930 on gifts that holiday season. Data from T. Rowe Price confirms that parents are spending between $400 and $500 per child each year. In 2015, CPA Canada conducted a random phone survey of 1,004 adult Canadians and found the average adult planned to spend $766 on holiday gifts.

Although these numbers can reflect an overwhelming sense of generosity, many times excessive spending is based on a desire to outdo gifting from the year prior – sometimes at the risk of personal finances. Some people are taking drastic measures to make holidays over-the-top, with some delving into emergency savings while others withdraw prematurely from retirement accounts. Budgeting for the holiday season can help shoppers keep their finances in check.

Determine spending patterns

An examination of receipts and spending habits from previous holiday seasons can help individuals establish budgets for the current year. Make a list of all expenses – even the ones that extend beyond holiday giving. These may include expenses such as gym service fees, homeowner’s insurance, traveling expenses, gift exchanges at work, and more. Extra costs can add up and should be factored into holiday budgets.

Try to recall if your spending last year felt comfortable or if you were paying off credit cards long after the holiday season had ended. If it’s the latter, resolve to make adjustments.

Establish a budget that fits

There is no such thing as a one-size-fits-all budget. Figure out if there is extra money this season or if times are tight. This will help you plan accordingly and avoid overspending. Shifting priorities can help free up some cash. If children are interested in this year’s hot (and likely expensive) gift, cut back on holiday travel or entertaining. Instead of buying gifts for coworkers, buy a drink during a night out.

Use the holidays as an opportunity to sell

Collectibles, gently used toys, video games, action figures – all of these items may be collecting dust at your home, but they might be coveted by other shoppers. Rely on the season for spending to make some extra income that can be cashed in for your own holiday purchases.

Set up an account and track spending

Establish a separate account strictly for holiday spending. This can include a credit card only used for gifts and entertaining or a savings account at a bank or credit union. You won’t know what is going out of your account unless you keep careful tabs on it. Tracking spending is the biggest key to sticking with a budget, according to the financial advice group The Balance.

Holiday budgeting can be challenging. But with some effort, it is possible to avoid debt and still enjoy a happy holiday season.

Gifts for Avid Hunters, Anglers & Outdoorsmen

The U.S. Fish & Wildlife Services’ 2011 National Survey of Fishing, Hunting and Wildlife-Associated Recreation unveiled that more than 90 million United States residents aged 16 or older participated in some sort of wildlife-related activity that year – the most recent year on record. Wildlife recreationists spend nearly $150 billion per year on their activities. With this in mind, those who have hunters, anglers or outdoorsmen on their holiday shopping lists may find that gifts facilitating these specific pursuits can be the ideal fit this holiday season.

Rather than scouring the mall for hours, a visit to the nearest sports outfitter can yield a bevy of appropriate gift ideas. For some inspiration, consider these gifts for the outdoor enthusiast.

· Binoculars: Scoping out territory and looking for game is often part of the hunt. A set of durable new binoculars can give hunters an edge.

· Heated shoe insoles: Hunting and fishing often require long wait periods – sometimes in chilly weather. Heated shoe insoles and hand warmers can keep outdoorsmen warm.

· GPS/digital watch: Although many smartphones tell time and offer GPS services, lightweight watches may be more convenient than phones. For example, the Garmin Fenex Watch is waterproof and offers such functions as GPS, an altimeter, barometer and a digital compass.

· All-season tent: Camping out is not just a summer activity. A tent that is rated to withstand various temperatures and conditions can be an asset.

· Waders: Anglers sometimes need to get up close and personal with their prey. A sturdy pair of breathable waders is ideal for those who venture out of the boat or off of the coast.

· Wool socks: They may be a basic item, but hikers, hunters and other sports people can’t stock up enough on warm, sweat-wicking wool socks that will keep their feet comfortable and dry on all excursions.

· Folding knife: Knives are ideal for cutting fishing line, twigs for a campfire and much more. A sturdy, quality knife that fits easily in a pocket or backpack is a must-have for hunters, campers and anglers.

· Water-resistant pouch: A day on the boat or near the water requires gear that can get wet without soiling items stored inside. Choose a pouch that can fit a camera, keys, phone, and other necessities.

· Climbing stand: Hunters frequently spend time up in the trees to get a better view of oncoming game. Stationary tree stands may remain for the season, but lightweight offerings fold and can be transported from area to area.

Improve Visibility While Trick-Or-Treating (And Other Safety Tips)

Thousands of costume-clad children will embark on treat-finding missions in neighborhoods all across the country this Halloween. Everyone wants their Halloween festivities to be fun, but it is important that trick-or-treaters and their chaperones prioritize safety as well.

The child welfare organization Safe Kids says that twice as many child pedestrians are killed while walking on Halloween compared to other days of the year. In addition, the National Safety Council states that darting out or running into the road accounts for about 70 percent of pedestrian deaths or injuries among children between the ages of five and nine and about 47 percent of incidents for kids between the ages of 10 and 14.

Ensuring trick-or-treating youngsters are visible to motorists can make Halloween safer for everyone involved. The American Academy of Pediatrics and other safety groups suggest the following strategies for safe trick-or-treating.

· Supervise the festivities. Adults should chaperone young trick-or-treaters who are unlikely to be focused on safety in the midst of Halloween excitement.

· Use reflective tape or LED lights. Dark costumes coupled with twilight can make it difficult for motorists to see trick-or-treating youngsters. Parents can improve the chances of their kids being seen by motorists by adhering reflective tape onto kids’ costumes. Glow sticks and wearable LED lights also can illuminate trick-or-treaters.

· Carry lanterns or flashlights. Children and/or chaperones who carry flashlights and lanterns can improve their own visibility while also making themselves more visible to motorists. Lanterns and flashlights help trick-or-treaters avoid holes, cracked pavement and other obstacles. For those children who want to free up their hands for better treat gathering, lights that strap to the head are an option.

· Keep the lights on. Homeowners can do their part by keeping outdoor flood lights and accent lighting on to make paths safer for youngsters on the prowl for Halloween candy.

· Choose face makeup over masks. Children wearing masks may not spot oncoming cars or other hazards. Face makeup won’t affect kids’ visibility but will still help them look scary.

With the right combination of caution and fun, Halloween can be an enjoyable time for youngsters and adults.

Throw a Hauntingly Good Halloween Party

Halloween is a special day that delights children of all ages and helps adults feel like kids at heart. Few people want the fun to end once trick-or-treating is over. By throwing a Halloween party, revelers can continue celebrating well into the evening.

When hosting a Halloween party, it helps to determine who will be in attendance before making any plans. Parties that include children should be PG in nature, and hosts should find the right balance between scary and fun. While you want to have a certain measure of the macabre, make sure you don’t send young guests home with nightmares. Reserve gruesome decorations and details for adult-only parties.

Halloween parties do not necessarily need to be ghoulish to be fun. Try a glittery gala masquerade party or decorate exclusively in orange and black. Classically eerie parties may feature ravens and crows, or they can be subtly spooky with red candles and heavy curtains.

Many people can’t wait to dress up for a Halloween party, even picking out their costumes months in advance. Still, not everyone feels comfortable donning a costume. To welcome all guests, don’t make costumes mandatory. One way around this is to set up a Halloween Disguise Table full of accessories that anyone can borrow and use to alter their appearance. Goofy glasses, strange hats, adhesive mustaches, or masks can be fun. If someone didn’t feel comfortable dressing in full costume, he or she may be more apt to pop in a set of plastic fangs or put on a spinning bow tie.

Food is an integral part of any party and can enhance Halloween soirées. Candy is a pivotal component of Halloween and you can play off that theme at your party. Set up a candy bar full of appropriately hued candies of all shapes and sizes. Put them on display in clear glass or plastic canisters so they add to your Halloween décor.

Some people like to get creative with Halloween cuisine, crafting foods into items that may look like parts of the body or other symbols of the holiday. Cookie cutters can turn sandwiches, desserts, biscuits, and many other foods into different shapes. However, foods also can be made a tad more spooky simply by renaming them or presenting them in interesting containers. Why not serve punch out of a fish aquarium? Other beverages can be housed in jugs or old bottles and labeled “potions.” Use laboratory instruments, such as petri dishes, vials and beakers, to serve snacks.

A Halloween party makes for a fun night, and there is no limit to what hosts can do when planning their scary soirées.

Halloween Pumpkin-Carving Pointers

Transforming pumpkins into cleverly carved creations is a Halloween tradition. Each October, glowing pumpkins take up residence near doorsteps and porches, adding to the magical ambiance of the season. Young and old spend time designing their themes and then taking knife to pumpkin to achieve the desired effects.

Carving pumpkins into jack-o’-lanterns can be traced back centuries to Ireland and a story about “Stingy Jack.” The tale involves Jack outwitting the Devil twice, the second time freeing the Devil from a prank in exchange for the promise that he would not claim Jack’s soul should Jack die. When Jack did die, God did not want the unsavory character in heaven, but the Devil could not claim Jack for hell. Therefore, Jack was relegated to roam the planet indefinitely with only a burning coal to light his way. Jack put that coal into a carved-out turnip. His ghostly figure was referred to as “Jack of the Lantern.” Later on it was shortened to “Jack O’Lantern.” When Irish immigrants arrived in North America, turnips weren’t plentiful, so jack-o’-lanterns were instead carved into pumpkins.

Today, many people carve jack-o’-lanterns, with some featuring just smiling or grimacing faces while others are far more artistic creations. These tips can help anyone carve a pumpkin.

· Begin with a fresh pumpkin. Look for a pumpkin with a green stem. If the pumpkin has been sitting around for too long or has been handled too much, the stem can get brittle and/or fall off. A thick, fresh pumpkin is best for carving.

· Plan your ideas. Draw a plan for your pumpkin before you make your first cut. Then transfer that design to the pumpkin with pen or a thin marker. Pumpkin-carving kits come with designs that can be “traced” by poking small holes to create the outline of the design.

· Don’t cut all the way through. Many professional pumpkin artists do not actually cut clear through the flesh of the pumpkin. They carve and shave off layers of the outer rind until it becomes more translucent. The level of transparency can be adjusted based on how much skin is removed and as a way to add texture and shadowing. The more air that is allowed to penetrate the pumpkin, the faster it will start to degrade.

· Delay carving until the last minute. Wait until the day before Halloween to begin carving. Pumpkins are a perishable item, and they’ll begin to rot as soon as you begin carving. Spritzing them with water can help them stay fresh, but there’s no turning back the clock once the first cut is made.

· Cut a hole in the back. According to Brooklyn-based Maniac Pumpkin Carvers, cutting off the top of the pumpkin can affect its structural integrity and cause it to rot faster. Instead, cut a hole in the back of the pumpkin and use an electric light to illuminate it. LEDs are advisable because they don’t generate much heat, which can cook and rot the pumpkin from the inside out.

With some creativity and a little know-how, anyone can create an eye-catching jack-o’-lantern.
 
My Franklin Shopper App

Enjoy An Eco-Friendly Autumn

Autumn arrives with cool breezes, awe-inspiring foliage and the hint of holidays on the horizon. Fall is a favorite time of year for many people because the crisp weather motivates people of all ages to enjoy the great outdoors.

Individuals conscious of their carbon footprints can use fall as a time to take inventory of their behaviors and make changes where necessary. The following are some steps to take right now that fit perfectly with the harvest season.

· Shop at a local farm stand. Take advantage of the many roadside stands that crop up this time of year where you can find bushels of apples, pumpkins, gourds, and late-summer vegetables. After a day of sightseeing, visit a farm stand for warm cider and freshly baked doughnuts. Buying local produce reduces reliance on foreign-shipped foods and other products, while also cutting back on the fuel consumed to get foods from the farm to the table.

· Use nature to decorate. Skip plastic, mass-produced decorations and rely on nature to dress up your home. Fill vases with leaves and berries. Place small pumpkins on mantles, and enrich the landscape of your home with vibrantly hued mums and other cool-weather plants. Corn husks and stalks can add harvest flair to front porches. Twigs nestled and tied together can make interesting table centerpieces.

· Create a composting pile. Outdoor chores are easier in cool weather than they are when the mercury rises. Set aside a place in the yard for composting. A healthy compost pile should have roughly two-thirds carbon (brown) materials and one-third nitrogen (green) materials, says EarthEasy.com. Use those lawn clippings and raked leaves to make compost for spring plantings.

· Visit a corn maze. After corn has been harvested, farm owners often use their land for supplemental income. Corn mazes can be simple or complex depending on visitors’ ages. Engage in family bonding outside and turn off electronics in the process.

· Bake your own pie. After a fun-filled day picking apples at a nearby orchard, head home and use those locally sourced apples to whip up a delicious pie.

· Recycle old clothes to dress your scarecrow. Clothing that is not worthy of donation can be transformed into a festive scarecrow just in time for Halloween hijinks. Fill out the body of the scarecrow with newspaper and then add some pieces of straw around the neck, hands and feet.

· Host a football party. Watch the game on television or have a pickup game in the yard. Serve finger foods to cut down on the need for plastic or paper plates and flatware. Purchase a keg of beer from a local brewery to eliminate individual beer cans and bottles. Set out a nonalcoholic punch bowl so the kids can enjoy refreshments, too.

Autumn can be a great time of year to embrace some eco-friendly practices.

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

Preserve Carved Pumpkins in Various Ways

Jack-o’-lanterns and other carved pumpkin designs are frequently the centerpieces of Halloween festivities. The twinkling lights and orange glow of jack-o’-lanterns can add ambiance to any autumn event. The trouble with carving pumpkins is that most people want to do it right away, only to discover their pumpkins wilt and decay long before Halloween.

Nothing ruins Halloween more than visiting a home to trick-or-treat and not getting candy. Equally disappointing is a sad pumpkin display withering away on a front porch. Even though all pumpkins will eventually rot, certain tips can keep carvings from collapsing too soon.

· Choose a sturdy pumpkin. Inspect the pumpkin of your choosing carefully, looking for gouges, spots and holes. Even a small blemish can quickly expand into a mushy mess. Select pumpkins with even color and firm flesh, and make sure that the pumpkin doesn’t feel tender when you push on the skin.

· Visit local pumpkin stands. Pumpkins that have been shipped miles and miles in hot cargo trucks may be overly ripened or battered. Pumpkins that were grown nearby may be fresher. Plus, buying pumpkins locally supports local farmers.

· Scrape the insides of the pumpkin thoroughly. Any moist bits inside the pumpkin will mold quickly. The pumpkin carving experts at Pumpkin Masters recommend scraping as much of the “guts” out as possible, leaving about a one-inch thickness of the wall of the pumpkin.

· Coat the pumpkin. Preservation methods may aim to keep the pumpkin hydrated and inhibit mold and other microbial growth. Commercially sold pumpkin preservation products, such as Pumpkin Fresh®, hold up well. Soaking and spraying carved pumpkins with a bleach-and-water solution also seems to preserve designs.

· Keep it out of the elements. Store carved pumpkins in a cool, dry place. This will help slow down the rotting process for pumpkins exposed to outdoor fungi, other microbes and warm sunlight.

· Use an artificial light source. Reduce the heat inside of the pumpkin and encourage hydration by selecting a battery-powered light instead of a lit candle to illuminate the carving.

· Skip the carving. Once pumpkin skin is compromised, microbes can enter. In lieu of carving, paint or decorate pumpkins in other ways if you want them to stay fresh for a long time. Glow in the dark paint can help pumpkins stand out at night.

Carved pumpkins may last a week or two, while uncut pumpkins can last for a month or more. Keeping pumpkins hydrated and mold-free will prolong your designs.

The Benefits to Buying Local this Holiday Season

Holiday shopping dominates many people’s free time between the day after Thanksgiving and the final days before Christmas. While many people may shop ’til they drop on Black Friday and Cyber Monday, those days still account for a relatively small amount of the hundreds of billions of dollars that are spent each holiday season.

Shoppers now have a bevy of options at their disposal as they embark on holiday shopping season. Traditional in-store retailers are still around, and online shopping continues to grow in popularity with each holiday season. But many holiday shoppers are looking to buy local this holiday season, and such a decision can pay a host of dividends for both shoppers and the communities they call home.


· Buying local benefits your local economy. Studies from Civic Economics, an economics and strategics planning firm, found that independent, locally-owned retailers return a far greater percentage of their revenue into their local economies than national chain stores. One such study examined the disparity between revenue recirculation among independent, locally-owned businesses in Raleigh, North Carolina, versus four major national chains in the city. The former recirculated 51.1 percent of revenue into the local economy, while the latter recirculated less than 14 percent. Similar results were discovered in many cities, indicating that buying local not only benefits local business owners, but also the communities those owners and their customers call home.

· Buying local creates jobs in your community. One of the biggest ways local business owners in Raleigh recirculated their revenue in the local economy was job creation. While national chains also create jobs, such jobs only benefit your community if the chains are located within your community. If your local mall is a considerable drive away, chances are the chains within that mall are not employing many of your fellow community members. Local businesses in your community are more likely to employ residents of your town.

· Shopping local may provide access to more unique gifts. In addition to the economic benefits of buying local, shoppers may find merchandise made by local craftsmen is more unique than mass-produced items found on the shelves of national retailers. Recipients may cherish more unique items that they cannot find on their own, and that appreciation may even spur them to visit more local retailers after the holiday season has come and gone, benefiting their own communities in so doing.

· Local business may provide a more personal touch. Buying from national chains has its advantages, but customer service is not always one of them. Should your loved ones encounter problems with their gift that requires assistance, they might be forced to wait on the phone for extended periods of time as they and thousands of others wait for customer service representatives to answer their calls. Local businesses do not deal with nearly the volume of customers as national retailers and, therefore, are capable of addressing concerns more quickly and personally than large chains.

Buying local not only benefits small business owners, but it also pays dividends for their customers and the communities they call home. GG159480