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or me, this is indeed the most wonderful time of the year. I love everything about this season: the lights, the carols, the family gatherings, and yes, even those holiday sweaters. As the season approaches, I also think about the meaning of joy, happiness and love. Joy to the world and the reason for the season. I try to make myself more aware of the meaning behind the traditions of gift giving, and though gold, frankincense and myrrh are not often on my list, I try to be a more thoughtful giver by really personalizing each gift for the recipient. I also take the time to remember that it is by giving of our time and our talents that we truly honor that tradition as well.

During this holiday season I look to expand my ideas of purpose, meaning and happiness as well as to define and clarify the word “gift”.

F

So I leave you with the gift of a quote that brings meaning to me during this holiday season as we end out the year and start the beginning of a new.

“And the Grinch, with his Grinchfeet ice cold in the snow, stood puzzling and puzzling, how could it be so? It came without ribbons. It came without tags. It came without packages, boxes or bags. And he puzzled and puzzled ’till his puzzler was sore. Then the Grinch thought of something he hadn’t before. What if Christmas, he thought, doesn’t come from a store? What if Christmas, perhaps, means a little bit more.” ~ Dr Seuss Wishing you and your family a very happy holiday season!

Karen A. Kovacs, Publisher

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Volume 4 | Issue 6 Local Living

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editor’s letter

A

s a child, this time of year meant extra time and sugar highs with my cousins and tearing open presents. As an adult, you see just how much work goes into all those family get-togethers and gifts under the tree. Yes, it can be exhausting, but I happen to love the hustle and bustle that occurs this time of year. Although each year I have learned how to simplify the demands and enjoy more time with loved ones, there is still so much that has to be done. I embrace the challenge of finding ways to manage all the baking, buying, wrapping, volunteering, decorating, and socializing that collides with the rest of my normally busy life during the holidays.

Holiday prep may not be for everyone. It may create a lot of anxiety and some parts (or all of them) may be too overwhelming to handle. Figure out which piece of the holiday season is the most meaningful to you and put your energy into that. If you hate wrapping presents, delegate it to someone else. Baking was never your thing? Who cares? Pick something up from a bakery and put it on a fancy tray, before heading to the neighborhood party. Bottom line is don’t feel guilty or obligated to do everything that your friends are posting on their Facebook status. Prioritize what is important, and don’t let the commercializing of the holidays prevent you from enjoying time with loved ones.

I am sure Local Living has something for whatever event or activity you are most drawn to at this time of year. Cultural Corner tells you where to experience all the holiday family fun from Bethlehem to the Jersey Shore. Hosting the office work party in your home?

Pattie Krukowski will have you wanting to decorate in all white this season, and we have the perfect cocktail recipes for you to shake up for your guests. Heading to a dinner party and don’t know what to wear?

Fashionista will guide you through the right amount of sparkle. Not sure what to bring? A bottle of wine is almost always a welcomed hostess gift, but you may want to stop at a local winery instead of the liquor store for your purchase. Rich Jeffreys joins the Local Living team to teach us about the best holiday wines in Bucks and Lehigh Counties.

I wish you all a joyous holiday season filled with warmth, generosity, and uncontrollable belly laughs with loved ones. Cheers to a prosperous and healthy 2015!

Lisa Walters Editor-in-Chief 12

Local Living Volume 4 | Issue 6

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HOME & GARDEN

I’m Dreaming of a White ...

By Pattie Krukowski

I

am writing this article from the second floor deck of my family’s timeshare in Vero Beach, Florida. It is 6:15 am and the sun is just starting to peek out from thick billowy clouds as a few early risers walk the endless miles of beach searching for unique shells. I grew up just an hour and a half south of here and always chuckle when I reminisce about my winter holidays as a child in the 1970’s. As I recall, Santa wore swim trunks, aerosol spray snow liberally covered windows and palm tree Menorahs were all the rage.

After moving North, I quickly learned that there is something truly magical about a fresh snowfall during the winter holidays. All those tiny flakes have a way of illuminating all

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that they fall upon. Picture the cheery hustle and bustle of shoppers laden with full bags of gifts as they share holiday greetings, that force smiles on even the biggest Scrooges out there, while they make their way through the fluffy white drifts. This holiday season, I encourage you to capture that same feeling indoors by decorating with shades of white.

Begin with white pumpkins for Thanksgiving and then really turning up the volume for Hanukah, Christmas and through New Year’s Eve. When I return home to Pennsylvania, I will start to break out accent pieces in shades of white that will carry me through till spring. Outdoor planters will be stuffed with

tall branches lightly spray painted for a white washed effect.

A white sheepskin rug will be tossed across the back of the softly worn red tufted leather sofa in the front sitting room.

A three by five foot off-white shag will be layered on top of the existing area rug in front of the natural wood fireplace to provide a place for both pets and their owners to lounge, while embers crackle and spread warmth on chilly nights.

Shades of white gourds piled high in an oversized clear glass vessel will grace the mantle. A large, low flat crystal bowl shows off a mass of tiny white pumpkins providing a simple yet elegant centerpiece in the dining room.

When the last of the Thanksgiving leftovers are finally consumed, the gourds and pumpkins will be replaced with Christmas balls in a myriad of sizes and finishes; all in hues of white and silver. Some will be glittering with crystals, while others will be uncomplicated to create layers of interest.

The sterling silver star ornaments that I have procured over the years at after holiday sales will be hung in a row across the mantle while creamy quilted felt stockings hang below waiting to be filled. Crystal candlesticks are clustered with basic white pottery candlesticks to proudly support both wide and narrow, tall and short flickering candles.

Fresh rosemary topiary trees adorn each side of the centerpiece bowl of ornaments on the dining table, which is draped in a thick woven oatmeal hued tablecloth. Snowwhite plates and starched cloth napkins make the perfect final touch. In my dining room, I have a large rustic wooden framed antique mirror above the sideboard. I hang a square lighted boxwood wreath from a buff hued damask ribbon off the top of the frame, and the result is a beautiful play of reflection throughout the room. A clear crystal, milky white or silver Menorah would be the ideal center of attention to your feast of lights.

Decorate your tree or trees in the same snowy theme.

Layer your tree with all white ornaments on the top one-third and bottom one-third. Hang all silver or any other shade of ornaments you choose in the middle one-third for an interesting twist to the ordinary. Create your own indoor forest by choosing three smaller trees of different sizes, heights, and species of evergreen and place on mixed height pedestals. Tie tiny antique white velvet bows all over for an old fashioned feel. Toss several Mongolian fur pillows on your living room couches to snuggle while you watch “It’s a Wonderful Life” for the hundredth time. Present your guests with parting gifts of small white orchids, while sipping the last of your white chocolate dessert martini. Find noisemakers in silver and gold to ring in the New Year. When guests arrive, hang white feather boas on them to amplify the festive feel.

From me to you, may all your days this holiday season be merry and bright!

Pattie Krukowski is an interior decorator for Matott Construction and a freelance writer living in Doylestown, PA.

Volume 4 | Issue 6 Local Living

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Local Living Volume 4 | Issue 6

Volume 4 | Issue 6 Local Living

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sale are likely to pay a very steep price for their procrastination. The same goes for the Christmas holiday. With the current state of the airline industry, it is never too early to book your holiday travel flights. Be prepared to be flexible with dates and flights.

3. Shop around.

Whether you’re using booking sites like Travelocity or auction sites such as Priceline, comparison-shopping has never been easier. During peak travel season, casting the net as wide as possible will help you understand all of your options.

For many travelers, price isn’t the only or even the most important factor, especially during the holidays. Use of the “search adjacent days or airports” features found on many websites may also surrender greatly improved fares and travel times.

4. Know your airports.

Checking alternate airports is a pretty standard tactic, but at this time of year it can really make a difference. You can score on almost every front – parking, rental cars, traffic to and from, nearby hotels – and save both time and money.

Keep in mind that smaller airports see fewer flights and, typically, fewer delays.

10

5. Plot connections carefully.

Winter & Holiday Travel Tips

to Melt Your Worries Away!

By Ed Hewitt

P

lanning to visit Grandma’s for Thanksgiving or spend Christmas in Paris? Traveling over the holidays can be notoriously busy, expensive, and stressful. Provided you shop carefully and plan ahead, there are still deals to be found. Check out our 10 tips for holiday travel and find some joy this holiday season.

1. Avoid peak travel dates.

At Thanksgiving, Wednesday is the critical outbound “avoid” day. Traveling on Thanksgiving Day is often a breeze and more affordable, as there are often cut-rate airfare deals.

On the return, Friday morning isn’t bad at all, with each 18

Local Living Volume 4 | Issue 6

successive day getting a little busier, more difficult, and more expensive through Sunday evening. The bottom line: If you are looking for a deal, you won’t find one on the peak travel days. Travel off-peak whenever possible.

(Note: Christmas and New Year’s Day fall on Wednesdays this year, so travel will likely be more spread out than normal, with no obvious peak days.)

2. Book early

Haven’t booked your holiday travel yet? Stop waiting and start booking! Fares are only rising as Thanksgiving approaches, so those who hold out in hopes of a late-breaking

It is always best to choose nonstop flights. The worst, most brutal delays occur in connecting airports, where you have no home, friends or family to retreat to. If you can’t fly direct, check your search results carefully for sufficient time during layovers. Build in some time for flight delays and weather woes. Particularly during the winter months, peak travel times often bring peak travel delays, and your connection is more likely to be jeopardized. Avoiding really tight connections may save you a sprint through the terminal or a missed flight.

Also, it is best if you can muscle your flight path into position so that connections are in places less likely to experience delays – specifically, airports in warmer climates.

6. Leave early.

During peak travel times, much of the trouble you’ll face lies on this side of the security check-in, from traffic jams and full parking lots to absent shuttles and long lines.

Anticipate all the peripheral delays you may encounter and leave for the airport early!

7. Pack wisely.

It is a good strategy to try and fit everything into your carry on bag. However, the TSA rules about liquids and gels make this a trickier proposition. For the record, you may bring liquids and gels in 3.4-ounce or smaller containers, packed within a single, quart-size, zip-top, clear plastic bag.

You’re also allowed to bring any liquids (such as coffee or

water) or gels purchased after you go through a security checkpoint onto your plane with you. If you want to bring more than the 3.4-ounce amount, you’ll have to pack the items in your checked luggage.

Keep in mind that most airlines are now charging travelers a fee for checking any bags on domestic flights (and even some international ones).

8. Use the Web for more than just booking.

The latest self-service developments in online travel can be tremendous time-savers during peak travel times.

Whenever possible, print your boarding passes at home, use check-in kiosks or even pull up your boarding pass on your smartphone.

Think about doing your holiday shopping online and having your gifts shipped to your destination. This will cut down on luggage and the risk of them getting lost.

9. Travel early or late in the day.

As a rule, airports are least congested at times when normal human beings would rather be at home or even asleep. Delays are far less likely for morning flights, and airports usually unclog as the afternoon and evening peak passes. Staffing can be spotty for really early flights, so although your flight is likely to leave on time, check-in may take a while, along with other personnel-dependent steps like riding shuttle buses.

10. Consider package deals.

Peak travel periods can be the best time to buy package deals, even for folks who would never buy one, as the bundled pricing offered by packages can be very competitive.I’m traveling on a package over Thanksgiving and am stunned at the offer. You can barely afford to stay home at these prices.

A Few Bonus Tips

Be prepared for more than the usual slowdowns at security. Even though the TSA’s liquid and gel rules have been around for many years now, folks who rarely fly may not be familiar with all the ins and outs – and the newer full body scanners could catch even frequent travelers off guard.

Gas up the night before you travel; no one leaves enough time for buying gas on the way to the airport.

Do not wrap gifts, especially if you intend to carry them on the plane. Even in checked baggage, there is a strong chance they will be unwrapped for inspection by security personnel. Consider gift bags instead– you can easily remove the items from their bags if required and you don’t have to do a last-minute wrapping job at your destination.

Give your cell phone a full charge, and write down and program the phone numbers for everything: your hotel, your car rental agency, your airline, friends at your destination.

Put it all together... you might actually enjoy traveling this season!

Volume 4 | Issue 6 Local Living

19

FINANCE

Top Year-End Investment Tips

by Rosemary Caligiuri, CASL®, President of Harvest Group

tax considerations shouldn’t be the primary driver of your investing decisions, there are steps you can take before the end of the year to minimize any tax impact of your investing decisions.

If you have realized capital gains from selling securities at a profit (congratulations!) and you have no tax losses carried forward from previous years, you can sell losing positions to avoid being taxed on some or all of those gains. Any losses over and above the amount of your gains can be used to offset up to $3,000 of ordinary income ($1,500 for a married person filing separately) or carried forward to reduce your taxes in future years. Selling losing positions for the tax benefit they will provide next April is a common financial practice known as “harvesting your losses.”

H

ere is one more time-consuming task to be taken care of between now and the end of the year. Just what you need, right? However, taking a little time out from the holiday chores to make some strategic saving and investment decisions can affect not only your long-term ability to meet your financial goals, but also the amount of taxes you’ll owe next April.

Look at the forest, not just the trees The first step in your year-end investment planning process should be a review of your overall portfolio.

That review can tell you whether or not you need to rebalance. If one type of investment has done well–for example, large-cap stocks–it might now represent a greater percentage of your portfolio than you had originally intended. To rebalance, you would sell some of that asset class and use that money to buy other types of investments to bring your overall allocation back to an appropriate balance. Your overall review should also help you decide whether that rebalancing should be done before or after December 31 for tax reasons.

Also, make sure your asset allocation is still appropriate for your time horizon and goals. You might consider being a bit more aggressive if you’re not meeting your financial targets, or more conservative if you’re getting closer to retirement. If you want greater diversification, you might consider adding an asset class that tends to react to market conditions differently than your existing investments do. Or you might look into an investment that you have avoided in the past because of its high valuation, if it’s now selling at a more attractive price.

Diversification and asset allocation don’t guarantee a profit or insure against a possible loss, of course, but they’re worth reviewing at least once a year.

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Know when to hold ‘em When contemplating a change in your portfolio, don’t forget to consider how long you’ve owned each investment. Assets held for a year or less generate short-term capital gains, which are taxed as ordinary income. Depending on your tax bracket, your ordinary income tax rate could be much higher than the long-term capital gains rate, which applies to the sale of assets held for more than a year.

Your holding period can also affect the treatment of qualified stock dividends, which are taxed at the more favorable long-term capital gains rates. You must have held the stock at least 61 days within the 121-day period that starts 60 days before the stock’s ex-dividend date; preferred stock must be held for 91 days within a 181-day window. The lower rate also depends on when and whether your shares were hedged or optioned.

Make lemonade from lemons Now is the time to consider the tax consequences of any capital gains or losses you’ve experienced this year. Though

Time any trades appropriately If you’re selling to harvest losses in a stock or mutual fund and intend to repurchase the same security, make sure you wait at least 31 days before buying it again. Otherwise, the trade is considered a “wash sale,” and the tax loss will be disallowed. The wash sale rule also applies if you buy an option on the stock, sell it short, or buy it through your spouse within 30 days before or after the sale.

If you have unrealized losses that you want to capture but still believe in a specific investment, there are a couple of strategies you might think about. If you want to sell but don’t want to be out of the market for even a short period, you could sell your position at a loss. Then buy a similar exchange-traded fund (ETF) that invests in the same asset class or industry. Or you could double your holdings and sell your original shares at a loss after 31 days. You’d end up with the same position, but would have captured the tax loss.

If you’re buying a mutual fund or an ETF in a taxable account, find out when it will distribute any dividends or capital gains. Consider delaying your purchase until after that date, which often is near year-end. If you buy just before the distribution, you’ll owe taxes this year on that money.

(Even if your own shares haven’t appreciated.) And if you plan to sell a fund anyway, you may minimize taxes by selling before the distribution date.

Know where to hold ‘em Think about which investments make sense to hold in a tax-advantaged account and which might be better for taxable accounts. For example, it’s generally not a good idea to hold tax-free investments, such as municipal bonds, in a tax-deferred account (e.g., a 401(k), IRA, or SEP). Doing so provides no additional tax advantage to compensate you for tax-free investments’ typically lower returns. And doing so generally turns that tax-free income into income that’s taxable at ordinary income tax rates when you withdraw it from the retirement account. Similarly, if you have mutual funds that trade actively, and therefore generate a lot of short-term capital gains, it may make sense to hold them in a tax-advantaged account to defer taxes on those gains, which can occur even if the fund itself has a loss. Finally, when deciding where to hold specific investments, keep in mind that distributions from a tax-deferred retirement plan don’t qualify for the lower tax rate on capital gains and dividends.

In conclusion, this holiday season will be filled with the joys of the season, and spending time with loved ones. It’s also an opportunity to reflect on the year and review your portfolio. If these tips seem to be overwhelming, seek advice from a professional. The Harvest Group would welcome the opportunity to meet with you.

Securities and advisory services are offered through Centaurus Financial, Inc., Member FINRA and SIPC, a Registered Investment Advisor. Supervisory Branch: 3902 State Street, Suite 101, Santa Barbara,, CA 93105, 1.888.569.1982.

Harvest Group Financial Services and Centaurus Financial are not affiliated.

Volume 4 | Issue 6 Local Living

21

The

Fork-1-1

by Kimberly Ca mbra

Zingiber, Gingebras or Lebkuchen Around the world with Gingerbread from our house to yours...

I

nterestingly enough, gingerbread has been around long before any one specific holiday and predates Christmas by about 2000 years. This iconic holiday treat instantly congers up images of brown houses with candy cane roofs and white piped trim, and it has a spicy legend beyond its candy-coated door.

Gingerbread’s dense history goes as far back to ancient Greece, where the wealthy would travel in pursuit of “spiced honey cakes” from the Isle of Rhodes. During this time both Egyptians and Greeks used a type of gingerbread for ceremonial purposes. This gingerbread was transformed into a treat to show their love for someone similar to how candy and chocolate are used as tokens of affection for Valentine’s Day. Shakespeare, himself was sweet for gingerbread and was quoted saying, “And I had but one penny in the world thou should’st have it to buy gingerbread”.

In 992, gingerbread makes its first appearance on the culinary landscape of Europe, thanks mostly to Gregory of

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Nicopolis, an Armenian monk who spent many years in France teaching the art of making gingerbread. (Although, the recipe didn’t include ginger!) By the 11th century, the actual ingredient itself – ginger – hits Europe by way of Malaysia. Notably utilizing this spicy root were Catholic monks who added it to their own cookie recipe and placed the dough into beautiful molds depicting saints, churches, and other religious images.

By 16th century, gingerbread transitioned into an assortment of different styles of baked goods and included soft, crisp, and a warm cake with a glaze. At or about the same time, a foundation was being built in Germany. Since the emergence of the very elaborate gingerbread house embellished with foil and gold leaf, Germany has forever associated this goodie with their Christmas tradition. The popularity grew with the tale from the Brothers Grimm of Hansel and Gretel, where in this legendary tale, they discover a house made of treats in the forest. In the following century, Queen Elizabeth I gave her distinguished visitors

a gingerbread mold that resembles themselves as a special gift.

Across the pond in the early 18th century, Colonial America brought a beloved recipe to the states with most of the ingredients readily available to the early settlers.

Martha Washington known for her domestication of her home, and especially her ability to bake, had an exceptional gingerbread recipe that is still used to this very day. Yes, the very first First Lady had a recipe for gingerbread that George Washington loved – and there’s not one cherry in it either! Much like this original recipe for gingerbread “cake” coming from England to the States, the same held true for gingerbread houses, which arrived in Pennsylvania with the German settlers, more affectionately known as Pennsylvania Dutch.

How has this tradition stood the test of time? A recipe and concoction from thousands of years ago? – because a savvy marketer of a large department store in the 1950’s decided to create Christmas scenes out of gingerbread. The retailers discovered the smell of gingerbread lured people into the store and attracted more and more customers for the holiday shopping season. Stimulating the senses to attract shoppers = make cents for everybody. Wishing everybody the best of times this holiday season from the FORK-1-1.

Martha Washington’s Gingerbread 1 c. butter, softened 1 c. light brown sugar 1 c. molasses 1/2 c. warm milk 2 tbsp. powdered ginger 1 tsp. cinnamon 2 tbsp. orange rind, grated 1 tsp. baking soda 1/4 c. warm water 1/2 tsp. nutmeg 1/8 tsp. mace 1/4 c. brandy 3 lg. eggs, well beaten 3 c. plus 1 tbsp. flour 1 c. raisin 1 c. sour cream Cream butter and sugar until fluffy. Add molasses, milk and spices; beat well. Add the brandy. Alternate adding the flour and beaten eggs on low speed of your electric mixer.

Add the juice and rind. Add the baking soda dissolved in warm water; beat well. Flour the raisins with the 1 tablespoon flour held back and fold into the batter. Stir in the sour cream. Bake at 350 degrees for 35 - 45 minutes in a 13 x 9 inch pan. Serve with lemon sauce or whipped cream.

Lemon Sauce:

3 tbsp. cornstarch 1 c. granulated sugar 2 c. boiling water Juice and grated rind of 1 lemon 1 tsp. butter

Combine the cornstarch and sugar; add boiling water.

Cook over medium heat 8 minutes, stirring constantly.

Add the lemon juice, rind and butter. Cook briefly. Serve over warm gingerbread. If it seems too thick, add a little more water.

Volume 4 | Issue 6 Local Living

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Dress up your Holiday Shrimp Cocktail with Kelchner’s

cocktail sauce Entertain your guests by serving your shrimp cocktail with Kelchner’s Cocktail Sauce!

Our signature home-style recipe is Kosher certified and gluten free.

’s KelchnerGift Sets

le as a Availab three pack or a ors! six pack r favorite flav Choose

you

Our horseradish varieties make great gifts for anyone on your holiday shopping list!

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For recipes, gift sets and to order online visit our website:

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Aroi Thai Bistro Authentic Thai food in a traditional Thai house atmosphere. Experience flavor honed by generations of past Masters when you enjoy Aroi.

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Mt. Fuji Japanese Sushi & Steakhouse 459 Second Street Pike • Southampton, PA • 215.396.8985 43 Summit Square • Newtown/Langhorne, PA • 215.860.6888 Ardmore Plaza • 36 Greenfield Ave. • Ardmore, PA • 610.658.9888 Reservations Welcome • Gift Cards Available Join Our VIP Program Today!

Lunch Mon. - Fri. 11:00am to 3:00pm Dinner Mon. - Thurs. 4:30pm - 10:00pm Fri. 4:30pm - 11:00pm Sat. 2:30pm - 11pm Sun. 2:30pm - 9:30pm

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c. flour 1 tsp. baking soda 1/4 tsp. salt 1/3 cup hazelnuts, toasted and chopped 3/4 cup hazelnut-chocolate spread

Holiday Recipes Linzer Cookies

Ingredients 1 bag (8-ounce) pecans 1/2 cup cornstarch 1-1/2 cups (3 sticks) butter (no substitutions), softened 1-1/3 confectioners’ sugar 2 tsp vanilla extract 3/4 tsp salt 1 large egg 2-3/4 cups all-purpose flour 3/4 cups seedless red raspberry jam Directions In food processor with knife blade attached, pulse pecans and cornstarch until pecans are finely ground.

In large bowl, with mixer on low speed, beat butter and 1 cup confectioners’ sugar until mixed. Increase speed to high; beat 2 minutes or until light and fluffy, occasionally scraping bowl with rubber spatula. At medium speed, beat in vanilla, salt, and egg. Reduce speed to low; gradually beat in flour and pecan mixture just until blended, occasionally scraping bowl.

Divide dough into 4 equal pieces; flatten each into a disk.

Wrap each disk with plastic wrap and refrigerate 4 to 5 hours or until dough is firm enough to roll.

Preheat oven to 325 degrees F. Remove 1 disk of dough from refrigerator; if necessary, let stand 10 to 15 minutes at room temperature for easier rolling. On lightly floured surface, with floured rolling pin, roll dough 1/8 inch thick. With floured 2-1/4 inch fluted round, plain round, or holiday-shaped cookie cutter, cut dough into as many

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cookies as possible. With floured 1 to 1-1/4-inch fluted round, plain round, or holiday-shaped cookie cutter, cut out centers from half of cookies. Wrap and refrigerate trimmings. With lightly floured spatula, carefully place cookies, 1 inch apart, on ungreased large cookie sheet.

Bake cookies 17 to 20 minutes or until edges are lightly browned. Transfer cookies to wire rack to cool. Repeat with remaining dough and trimmings.

When cookies are cool, sprinkle remaining 1/3 cup confectioners’ sugar through sieve over cookies with cutout centers.

In small bowl, stir jam with fork until smooth. Spread scant measuring teaspoon jam on top of whole cookies; place cutout cookies on top. Store cookies, with waxed paper between layers, in tightly covered container at room temperature up to 1 week or in freezer up to 2 months. (If cookies are stored in freezer, you may need to sprinkle with confectioners’ sugar again before serving.)

Hazelnut - Chocolate Sandwich Cookies

This yuletide yummy is easy to prepare — just make the basic cookie dough and sandwich delectable hazelnutchocolate spread between two baked cookies.

Ingredients Basic Cookie Dough 1 c. butter 1 c. brown sugar 1 c. sugar 2 eggs 1 tsp. vanilla 3

Directions Prepare basic cookie dough.

Preheat oven to 350 degrees F. With hands, shape dough by level measuring 1/2 tsp into balls.

Place balls, 2 inches apart, on ungreased large cookie sheet.

Dip bottom of flat-bottomed glass in sugar as needed; use to press each ball into 1-inch round.

Sprinkle half of the rounds with hazelnuts.

Bake cookies 9 to 10 minutes or until edges are goldenbrown.

Transfer to wire rack to cool. Repeat.

Assemble sandwich cookies: Spread flat sides of plain cookies with 1/2 tsp hazelnut-chocolate spread.

Top each with a nut-covered cookie, top side up, pressing lightly.

Store cookies in tightly sealed container, putting sheets of waxed paper between layers, at room temperature up to 1 week or in freezer up to 3 months

Coconut Snowballs

Ingredients 1 cup sweetned flaked coconut 1 cup all-purpose flour 1 1/4 cups confectioners’ sugar salt, pinch 6 tablespoons unsalted butter softened 1 teaspoon vanilla extract 4 teaspoons milk Directions Grind 1/2 cup of the coconut in food processor.

Chop remaining coconut and set aside.

Add flour, 1/4 cup of the confectioners’ sugar and the salt.

Pulse to blend.

Add butter and vanilla; pulse until dough comes together.

Heat oven to 350 degrees.

Roll dough into 1-inch balls.

Place dough balls 1 inch apart on an ungreased baking sheet.

Bake cookies until firm but tender, 15 minutes.

Remove to rack, let cool completely.

In small bowl, stir together remaining 1 cup confectioners’ sugar and enough milk until smooth but still thick.

Dip cookies in glaze (about 1/2 t for each), letting it drip down sides.

Dip in chopped coconut and set aside for glaze

Holiday Cut Out Sugar Cookies Ingredients 4 cups sifted all- purpose flour 2 teaspoons baking powder 1 1/2 cups sugar 2 eggs 3/4 cup butter (1 1/2 sticks) 2 teaspoons vanilla extract Colored Icing, recipe follows

Directions Preheat oven to 350 degrees F. In a bowl, stir together flour and baking powder. In another bowl, beat butter with sugar until fluffy and light. Beat in eggs and vanilla. Stir in flour mixture, a third at a time to make a stiff dough. Divide dough into 4 pieces. Roll out a portion of cookie dough to 1/4 inch thick. Cut out shapes using cookie cutters. Place on lightly greased or nonstick cookie sheets. Bake until lightly golden, about 10 minute, rotating baking sheet halfway through cooking time. Cool completely on pans about 5 minutes, transfer to cooling racks and cool completely before decorating.

Colored Icing 1/2 cup confectioners’ sugar 1 1/2 tablespoons water 3 to 4 drops food coloring, plus more as needed Colored sprinkles, optional In a small bowl, mix sugar and water to form a thick, smooth icing. Stir in food coloring to reach desired shade.

Drop icing onto cookies using a small teaspoon and smooth with the back of the spoon. Make additional bowls for additional colors.

Additional multi-colored sprinkles can be added on top of icing before it dries for more decorative cookies, if desired.

Volume 4 | Issue 6 Local Living

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Local Holiday Wine Buying Guide

T

he general feeling of the fall harvest puts us all in warm spirits and, most importantly, creates the delicious effect of olfactory overload: crisp air, clove, pumpkin pie spice, warm apple crisp, mulled wine… the list goes on and on. Since the holiday season focuses on combining seasonal foods and flavors and because local wine is always in season, we’ve put together a list of some of the finest holiday wines that both Bucks county and Lehigh Valley have to offer.

Bucks County

Bucks county has some amazing wineries that every local resident should visit at least once. With a decent growing season and exceptional wine-grape growing soil, Bucks has made a name for itself in the wine world.

Buckingham Valley Vineyards (www.pawine.com) is the oldest and largest winery in Bucks County. The winery, founded in 1966, currently has over 20 wines available. They have two exceptional holiday wines: Nouveau and Holiday Spice. The nouveau is a wine that takes its name from the French word meaning “new.” It is the first wine produced from the 2014 vintage and is an excellent accompaniment to any turkey dinner. Slightly sweet, it compliments turkey, mashed potatoes, and cranberry sauce in a perfect combination of flavor. A must have for any Thanksgiving dinner, this Beaujolais nouveau-style wine will be available later this month! Buckingham also makes a Holiday Spice wine that fits the setting for a cold night at a ski lodge (or

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cuddled up at home on your couch!). This mulled wine has balanced spices including clove and cinnamon that provides extreme winter evening comfort. Both wines are priced fairly at $9.00 a bottle, but if you have a large family and need a case, they will give you $1.00 off each bottle! This is the place to stock up!

Crossing Vineyards (www.crossingvineyards.com) is a stunning winery located in Washington Crossings. The beautiful garden views compliment their elegant wines, especially their highly sought after and best seller, Chocolate Cherry Truffle. This port style wine is around 19% alcohol and is a perfect finisher to any holiday meal. Put out a bit of dark chocolate and pour a small amount into a port glass, you don’t even need to serve dessert! This wine is perfect for your relative that asks for a slice of pie, but “just a sliver!” 15 slivers later, the pie is ¾ gone and they are snoring on the couch! We find that this wine follows suit. Pour yourself a little, then a little more, then you are happy and the bottle is gone! Perfect for holiday family fun!

Family owned and operated, Wycombe Vineyards (www. wycombevineyards.com) has some exceptional wines. The Fraser family has been operating on this property for almost 100 years! Everything Nice is known as their winter party wine. Liquid apple Pie! It is a combination of their naked chardonnay sweetened up with a secret spice recipe. You cannot tell if you are drinking warm apple cider or wine! It can be served with dessert as an accompaniment to apple pie with vanilla ice cream or cheddar cheese (trust me!), pumpkin pie, or on its own!

Lehigh Valley

Just like its neighboring county, the Lehigh Valley boasts its own unique grape growing terrain. With over 200 acres of planted grape vines, these family-owned vineyards produce wines that have won countless national and international awards.

Clover Hill Winery (www.cloverhillwinery.com), currently Pennsylvania’s largest winery producing over 200,000 bottles per year, hand picks over 80 acres of grapes in six different locations. Their Spiced Apple wine is produced from locally-grown apples that are crushed and fermented the same day as they are picked. Excellent to reduce for a ham glaze as well as simmering a pork loin, this sweetly spiced apple wine also compliments all of your favorite holiday pies a la mode! Serve warm in fall/winter, and chilled in spring/summer! Like Buckingham, Clover Hill offers a Beaujolais Nouveau style wine called Turtle Rock Red. Made 100% with the chambourcin grape (the pride of the Lehigh Valley AVA), this slightly sweet wine is for sale all year long, but goes especially well with a turkey dinner dressed with all the fixings!

Located about a mile from Clover Hill, Vynecrest Winery (www.vynecrest.com), just celebrated 40 years of winemaking at their Breinigsville location. Vynecrest has a broad spectrum wines to choose from ranging from dry reds, like their flagship wine, Lemberger, to dry/off-dry/sweet whites, to a sangria style red, as well as various fruit and sparkling wines! There is something for every palate here, including their Spiced Winter Red. One of their all-time best sellers,

this sweet and spiced red wine begs to be in your cup on brisk fall and winter days. It serves doubly as a comfortable hand and spirit warmer! Breath in the clove spice of this winter wine, close your eyes and relax during the cold winter months! You will also find a Vynecrest stand serving this warm wine at Christkindlmarkt (www.christmascity. org/christkindlmarkt/) in Bethlehem.

Pinnacle Ridge Winery (www.pinridge.com) is one of the most celebrated wineries in the Lehigh Valley. The winner of countless awards over the years, this winery has it all including traditionally made sparkling wine. Pinnacle Ridge is loyal to its returning customers, offering 30% off your 4th case if you are a case club member, which is free to join. Among their comprehensive wine list is a unique Late Harvest Vidal Blanc. The grapes are harvested well into December, where noble rot or botrytis sets in and dehydrates the grapes. What is left is a shriveled grape, but super concentrated in sugar. This highly sought after dessert wine has big body, viscosity and is excellently sweet.

It is perfect for sipping after a big Sunday dinner! Make sure you finish your holiday meal with this award-winning dessert-style wine!

Here are some tips on how to heat spiced holiday wines: baby bottle: take the cork out and put some water in a pan.

Keep on low heat and serve out of the bottle. Tea light: take a brandy warmer, fish bowl, any curved glass vessel, and put a tea light under it about 2” away. Microwave: nuke a glass for 15s! Crockpot: put a damp sponge in a crockpot on low heat.

These methods all burn off the alcohol, but make your house smell wonderful! If you want to keep the alcohol, add a nice white (clear rum). The rum will burn off first keeping those smells intact, but will not burn the alcohol off in the wine.

If you are looking for a wonderfully unique way to visit any or all of these local wineries, check out Tastings and Tours (www.tastingsandtours.com). The service offers private, VIP, all-inclusive guided wine tours that provide you with a handson, one-of-a-kind experience. They own and operate all of their vehicles, so taste, tour, and leave the driving to them!

Rich Jeffreys is a Lehigh Valley native that truly appreciates the local wine scene. He offers a unique perspective on the local wine industry, working for a local Bucks county business, Tastings and Tours (www.tastingsandtours.com), a private, family-owned wine and beer tour company. He can be reached at rich@tastingsandtours.com.

Volume 4 | Issue 6 Local Living

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MEETTMODERN MEDITERRANEANNCUISINE Small & Large Plates • Entrée Plates • 70+ Wine & Craft Beers

Carmel Kitchen is your neighborhood restaurant with the inviting urban vibe featuring mix-and match Mod Med interpretative classics such as flatbreads, chickpea fries or steak frites. Drop in and try one of our signature salads or sandwiches for quick, satisfying lunch.

The high-tech touch advantage of Carmel’s iPad ordering system is a fun way to find the perfect pairing for your favorite bite or beverage.

HOURS

Mon - Thurs: 11:30am - 10:00pm Fri - Sat: 11:30am - 11:00pm Sun: 11:30am - 9:00pm Carmel Kitchen Warrington 1613 Main Street Warrington, PA, 18976 PHONE 215.279.9607

Weekly Events MONNFRI • 5 @ Five Five shareables, five big pours, and five featured cocktails and regional beer selections - all offered for $5 from 5-7pm.

WED • Wine & Unwind Wednesday Kick back with half-priced bottes* every Wednesday night. *Available on any bottle that is available by the glass

THURS • Martini Thursday Classic or Creative? 9 choices, your pick just $5 all night.

LUNCH • DINNER • CARMELLKITCHEN.COM

Harvey’s Holiday Ingredients: • 1.5 oz Jamaican Rum • .5 oz Galliano L’Autentico • .5 oz Grenadine • .5 oz fresh lime juice Build in a Tiki mug and swizzle with crushed ice. Garnish with a mint sprig and grated nutmeg Pumpkin is not just for fall! Award winning cocktail creator Chris Chamberlain says pumpkin is versatile enough to last through the holiday season, especially with his mild Holiday Spiced Pumpkin Syrup. Here is the syrup recipe, which produces 10 ounces and can be incorporated into a number of festive cocktails: • 1.5 cups water • .75 cup brown sugar • .25 granulated sugar • .25 cup maple syrup • .5 cup pumpkin puree • 2 tsp ground cinnamon • .5 tsp ground nutmeg • 1split vanilla bean • 4 whole cloves

ART & LEISURE

In a medium saucepan, add water, both sugars, and maple syrup and simmer on medium low heat until sugar dissolves (about four minutes). Turn heat to low and whisk in cinnamon, cloves, nutmeg, and pumpkin puree. Add vanilla bean and simmer for eight minutes. Do not allow the mixture to boil. Remove from heat and strain. Allow to cool.

The syrup will last for one month at room temperature and three months refrigerated.

Holiday Cocktails Go Eclectic

By Michael C. Upton

E

very year there is a new trend in the booze biz for the holiday season. This year cocktails have gone eclectic (and internationally inspired).

Galliano goes Tiki! Just in time for holiday shoppers, Galliano— the complex and herbal Italian liqueur—has released a limited-edition Tiki Gift Set. With its lexicon of classic drinks, Tiki culture never really left the cocktail scene and is riding a new wave of popularity since its peak in the 1970s. Galliano has been an important ingredient in many Tiki cocktails, like the Freddy Fudpucker and the Hurricane. Harvey’s Holiday is a seasonal, easy-to-make, Tiki-inspired spin on the quintessential Harvey Wallbanger.

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Galliano Tiki Gift Set – Includes one 375ml bottle of Galliano L’Autentico, one custom ceramic Tiki mug designed and manufactured by Tiki Farm, and seasonal Tiki recipes.

Holiday Spiced Pumpkin Sour The Holiday Spiced Pumpkin Sour, created by cocktail master Chris Chamberlain, incorporates an easy to prepare spiced pumpkin syrup.

Ingredients: • 1.75 oz Gentleman Jack Tennessee Whiskey • .5 oz DiSaronno Amaretto • 1 oz fresh lemon juice • 1 oz Holiday Spiced Pumpkin Syrup • Egg white Add all ingredients into shaker and dry shake (without ice) vigorously to create foam. Add Ice and shake again.

Strain into rocks glass filled with fresh ice. Garnish with grated nutmeg and orange wheel spiked with whole cloves.

Gin, though mostly associated with the British—especially with their propensity toward the gin and tonic—is actually an honored invention of the Dutch. Although its ancient history is hidden in years of folklore, gin is akin to genever, the juniper-flavored national and traditional liquor of the Netherlands

and Belgium. It’s the juniper flavor of gin and genever that makes this classic spirit essential to the holiday season. Silver bells will be ring-a-linging a bit more merrier this holiday season thanks to a new creation from the folks at NOLET’S—a family with 300 years of distilling traditions.

Silver Elderfizz The Silver Elderfizz introduces a different spice to the holiday season with punchy ginger beer.

Ingredients: • 1.25 oz. NOLET’S Silver Dry Gin • 4 oz. Ginger Beer • Bar spoon Pimm’s Blackberry & Elderflower Liqueur Build cocktail in a highball glass over ice. Drizzle a barspoon of Pimm’s liqueur on top. Garnish with two fresh blackberries and sprig of mint.

Michael C. Upton works as a freelance writers specializing in arts and leisure.

He covers subjects ranging from funk punk to fine wine and currently resides in Southeastern Pennsylvania.

Volume 4 | Issue 6 Local Living

33

Crystal Rose Catering & Special Events Solution

“Celebrating Occasions Together” Weddings • Graduations • Drop Off ’s

Allure West Photography

Photos courtesy of Looking Glass Photography

Bert Proulx Executive Chef/Event Planner

The Fairville Inn is the perfect place to treat yourself to a special evening (or two) or to host out-of-town guests.

The Inn offers elegant country accommodations just minutes from Longwood Gardens, the Winterthur Estate, the Brandywine River (“Wyeth”) Museum, fine dining and local wineries. Each room and suite features a private bath, individual climate control, satellite TV, and hi-speed wireless Internet service. Most rooms have a private deck overlooking the gardens or meadow, and a fireplace (in season). Full breakfast and afternoon tea are, of course, included. Enjoy the elegance!

610.388.5900 www.fairvilleinn.com

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A Full Service Event Provider 215-651-0559 www.crystalrosecatering.com

Visit us on Facebook

Bananas Foster French Toast Bananas Foster Syrup 1 1/2 cups good quality maple syrup 2 tablespoons butter 4 bananas, peeled, halved, and sliced lengthwise 1 tablespoon dark rum French Toast 6 large eggs 2 teaspoons vanilla 1/2 cup heavy cream 6 tablespoons butter 8 slices French bread, preferably a few days old

Now accepting Christmas Eve & New Year’s Eve Reservation & book your holiday office party with us today!

10 % off gift certificates December 1st thru December 15th all three locations.....

Mamita’s 18 S. State St. | 215.860.1133 Historic Newtown www.FlorentinosRestaurant.com Full Menu Available for Take-Out Open 6 Days Tues.-Thurs. 5-9 Fri. & Sat. 5-10 | Sun 4-9

Mamita’s Restaurante Latino 12-14 Cambridge Lane Newtown, PA 18940 215-968-5700 www. mamitasbyo.com Open 6 days, Tues-Thurs 11-9, Fri & Sat 11-10, Sun 11-9, closed Mondays

1251 River Rd. | 215.321.8789 Washington Crossing www.FranciscosOnTheRiver.com Reservations Suggested Open 6 Days Tues.-Thurs. 5-9 Fri. & Sat. 5-10 | Sun 4-9

www.marshabrownrestaurant.com

Looking to bring a little southern hospitality north of the Mason-Dixon Line? Look no further than Marsha quality Brown Marsha Brown’s; the highest of fish, meat and poultry, and relaxed 215.862.7044 yet elegant surroundings.

Lunch and Dinner Served Daily refined creole kitchen & loUnGe

15 S., Main Street, new hope, PA 18938 DINNER Mon-thurs ... 5 pm - 10 pm fri ................ 5 pm - 11 pm Sat ............... 4:30 pm - 11 pm Sun............... 4:30 pm - 9:30 pm

LUNCH 7 days a week 11:30 am - 5 pm

looking to bring a little southern hospitality north of the Mason-dixon line? look no further than Marsha Browns; the highest quality of fish, meats and fowl, and relaxed yet elegant surroundings.

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15 S. Main St., New Hope, PA 18938 215.862.7044 | www.marshabrownrestaurant.com

Volume 4 | Issue 6 Local Living

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Seasons Greetings

from the

Shore

The Seaport’s Festival of Trees features themed trees decorated by local nonprofit organizations and will be open for viewing throughout the New Year. LBI lights up the holidays on Friday, December 5th with Ship Bottom Tree Lighting Ceremony. Bundle up, line the parade route, and rock through the years as Santa comes to Long Beach Island with the 35th Annual Ship Bottom Christmas Parade on Saturday December 6 at 1:00pm along Long Beach Blvd 5th to 25th Street. Parade features floats, marching bands, and holiday cheer.

A holiday presentation of the musical Wizard of Oz at Surflight Theatre runs November 28th through December 21st. Take in the holiday shopping of downtown Beach Haven with gourmet shops and local specialty items. Surf City Art Galleries and Vintage Shops are also aglow with gift giving possibilities for something unique under the tree.

Don’t miss the Affair at Cedar Bridge on December 28th at 2pm in Barnegat at the Cedar Bridge Tavern Historic Site. (200 Old Halfway Road) This free event is open to the public and will feature of the last documented land battle of the Revolutionary War.

Feeling at Home for the Holidays in the Long Beach Island Region

T

he Long Beach Island Region of the Jersey Shore has a lot of surprises this holiday season with performances, parades, and out of the box shopping options.

Holiday celebrations are part of our redefined beach culture. It all begins on Saturday, November 29th with open houses and fantastic opportunities to support “Small Business Saturday”. There are many shops and events that you won’t want to miss including Ann Coen Studio Holiday Open House in Surf City. Embrace the season with an outdoor Christmas Village, as Tuckerton Seaport transforms to Chriskindlmarkt December 5th from 4-8pm, December 6th from 10am-5pm, and December 7th from 10am to 4pm. This Holiday market and fair includes vendors under heated tents, horse drawn carriages, kiddie rides, hot Gluhwein, and wine tasting from DiMatteo, Tomasello and Valenzano Wineries. It is sure to be a weekend worth of festive entertainment!

New Year’s Eve offers festivities and overnight packages at Sea Oaks Country Club and and many restaurant and club parties.

On New Year’s Day check out Fire & Ice Family Fun from 1-8pm at Tuckerton Seaport with a variety of indoor and outdoor activities.

Southern Ocean CountyChamber of Commerce Visitor Centerfeatures guides, maps, and local retail information at 265 West Ninth Street in Ship Bottom. It is open all year and updates events and activities on www.visitlbiregion.com.

For more information about planning holiday getaways at the Long Beach Island Region of NJ, contact Southern Ocean County Chamber of Commerce www. visitLBIregion.com 609-494-7211.

Volume 4 | Issue 6 Local Living

39

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Local Living Volume 4 | Issue 6

By Mary Cushing Doherty, Esquire

A

®

1-877-MALVERN • malvernschool.com

The Risk of Competitive Gift Giving

9/11/14 3:13 PM

s the holidays approach, mom and dad reflect and realize what a rough year it’s been for their school-age children.

Perhaps the problem was job loss, a forced move, health problems of loved ones, or the reality of mom and dad’s divorce. Each parent, separately, wants to do something special for the children.

Imagine this.

Mom has been struggling financially, but her parents say it’s time to do for their grandchildren. What would they love to have? The mother thinks she would really like to get the Zoomer Robot Dog for her daughter, and the MiP Balancing Robot with the exclusive deluxe package in white for her son. She has never spent this kind of money on her children. She was recently in support court explaining how difficult it’s been to make ends meet. She’s faced problems paying the mortgage, the utilities and daycare for the children. Nevertheless, now is the time to splurge.

Meanwhile, dad is adjusting to partial custodial time, post divorce, with his children. He has been to support court explaining that he cannot provide for both households in the manner enjoyed before. While he has generous custodial time with his children, it’s not like seeing them every morning and night. Maybe it IS time to get his daughter that Morgan Pink Fairy Trike, and doesn’t his son need the Razor Ground Force ride-on car?

These parents have blown the gift-giving budget for their children, and that’s not to mention the gifts for the other seven days of Hanukkah or the various gifts under the tree or in the stocking. All they want to do is see the glee and feel their children’s love.

Imagine if mom and dad discussed their hopes for the children’s first holiday post-divorce. What if both parents give the children the same items? What if they say to the children about the gift from one parent: “This item is expensive, I don’t want you taking it to mom’s/dad’s home.” Is this unlikely? Or is it all too real? As in many

circumstances, while this may be the issue for parents who are going through a divorce, the same communication problems may happen in the home of a happily married couple. When do you strain the budget to splurge on the children?

The most telling story is when the father’s parents decided, on Thanksgiving weekend, to pay for a vacation to Disney World for their entire family, including their son and grandchildren. The father promptly told his ex that his parents would bring the children to Disney World for spring break, explaining the vacation time would be a wonderful trip for their children. Thereafter, the mother promptly arranged a Disney Cruise over the winter break.

That’s right the children went to Disney twice in one year.

What was the message?

Remember simpler times when small children leap up from the table the first night of Hanukkah or rise up early on Christmas to see what presents they were getting? A huge box is opened, emptied, and the contents are ignored.

Why? Because the box became the favorite toy.

Mary Cushing Doherty is a family lawyer and partner at High Swartz LLP, in Norristown, Pennsylvania. In recent years, she has received recognition from her peers and the community, including the Pennsylvania Bar Association’s Lynette Norton Award in 2012 and one of the 2012 Women of the Year by the Legal Intelligencer. She was one of the Women of Distinction chosen by the Philadelphia Business Journal and received the Margaret Richardson Award from the Montgomery Bar Association. Mary can be reached at mcdoherty@highswartz.com.

Volume 4 | Issue 6 Local Living

41

Time to Celebrate the Old and the New

Beyond your expectations on time and on budget

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Local Living Volume 4 | Issue 6

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Don’t Lose Yourself This Holiday Season How New Tech Can Keep Your Identity and Budget Secure

by Drew Giorgi

W

hile the holidays might be a nice time to visit family, enjoy time away from the office, and indulge in high calorie desserts, this season has really become all about security.

Do you feel like a deer crossing I-95 every time you swipe your credit card at a gas station, make an online purchase, or hand your debit card over to a waiter? Within the last year, Home Depot, Target, JPMorgan Chase, Acme and credit card processor, Signature Systems (located in Newtown, PA.) have all been hacked, exposing not only consumer credit card numbers, but the most sensitive data that puts people in jeopardy of identity theft. JPMorgan Chase is so ubiquitous, it is hard to imagine anyone participating in the American economy that isn’t affected by that breach in some way, since it included over 76 million households.

Increasingly, you might be regularly monitoring your credit card statements or signing up for services like LifeLock and CreditKarma. But do you want to pay for a monitoring service or hand over your personal information

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to yet another company? (Full disclosure: The author is a satisfied user of CreditKarma since he was ruthlessly killed off twice by credit rating agencies after his father—Andrew F. Giorgi—passed away in 2010.)

As holiday shopping starts to become your new parttime job, there are useful measures you can take on your own. Additionally, some help from the banking and technology industries is finally on the way. Aside from identity protection, these practices can also enable you to use your money more wisely, by setting budgets and resisting impulse buying.

“We were just brainstorming this in the office the other day,” Cathy Howard said. “It’s not easy, but there are some steps anyone can take to limit their exposure.”

Howard, manager of the Wells Fargo Bank in Plumsteadville, PA, says that one excellent anti-fraud measure is to use a credit card with an embedded security chip, referred to as an EMV card or a chip and PIN card in Europe where they have a long history. According to David Birch, author of Identity is the New Money, these cards in their current

technical state have not been cracked and create a unique transaction identifier that, if stolen, is of no use to the thief.

As Julie Conroy, research director in retail banking at Aité Group, pointed out to Forbes: “...criminals are targeting the U.S. because we are the weakest link in the chain.”

The only problem is that you may have to wait until 2015 for your credit card vendor to offer you a chip and PIN card.

By the end of next year, it is estimated that just over two thirds of credit cards in the U.S. will possess a security chip.

In case you were wondering why you were still using a magnetic strip card when everyone else around the world has moved to a more secure card, the answer is cost. Once you are in possession of the chip and PIN card, your only concern will be whether or not the merchant has the processing equipment that works with the chip; if not, the card will work like current magnetic strip cards.

In lieu of a chip and PIN card, Howard suggests limiting exposure by using a reloadable debit card; her bank offers the EasyPay card as an alternative to carrying cash. Depending on what your bank offers, you can keep a limited amount of money on a debit card that you can monitor on a regular basis and cancel immediately if your security is ever compromised. If you don’t care for the options offered by your bank, consider programs offered by online banks like CapitalOne360 or Simple. These online banks offer debit cards at no fee with ATM service, and you can monitor all transactions on your computer or smartphone.

Whether you use your local bank or an online one, Howard’s advice is good since it will limit not only your exposure to fraud, but allow you to control your spending. The average American spent roughly $800 during the holidays last year. How much will you spend this year? Having a single card with your budgeted amount will force you to think about every purchase.

This holiday season will also be remembered as the first one where many people started to pay for items with their mobile phones. While Apple is widely seen as leading the charge in mobile payments, it is somewhat late to a party started by the likes of Softcard (formerly ISIS), Google Wallet, PayPal and others who have been eager to see the space expand for some time. They offer varying degrees of security, acceptance, and accessibility.

According to TechCrunch, which has analyzed the patent documents filed by Apple, Apple Pay mimics the unique transactional nature of the chip and PIN card. Even if a fraudster intercepts the wireless NFC communication between an iPhone and a merchant’s terminal, the information is worthless since what is communicated is essentially a one-time secret password containing no user or credit card information.

Although it is now being hailed an impenetrable digital fortress, L.I.P. Wireless Sales Manager Tom Chendorain of Doylestown says he doesn’t plan on using Apple Pay this holiday season: “Depending on where the merchant places the processing system, you may be asked to hand over your phone to the clerk. I’m not going to hand over a brand new iPhone 6. Who is responsible for it if it is dropped?”

For those carrying Android phones, secure element chips are present in most new models like the Samsung Galaxy S5 and the new Moto X; however, these chips (which are more like mini-computers unto themselves) come in a variety of flavors. Some are embedded chips, while others are part of the SIM card or an SD card. The upshot is that different Android phones will allow for different payment systems. As a workaround, Google created a software emulation program embedded in its latest mobile operating system, Android 4.4 (nicknamed “KitKat”), so that its Google Wallet software could work in a variety of different phones whose carriers had previously restricted it.

It is worth noting that unlike all the other payment systems, Google Wallet is accepted everywhere MasterCard is accepted, but there is a catch. If there is a terminal that accepts mobile payments, you can use your phone. If not, Google offers the Google Wallet card. It is essentially Google’s version of a magnetic strip debit card. Yes, it can be used at the ATM as well. In order to get the card you have to run the gauntlet of Google’s Identity verification.

To be honest, Google knows more about this writer than the writer does and they still wanted a copy of my Social Security card. Sorry Google, but everyone has to have something sacred in life. (BTW: If there is another way we can become best buds, email me. I’m pretty sure you know the address.)

But enough about all of my personal problems that led to this article. Take advantage of the tools to take control of your security: your identity security and your budget security.

Make 2014 the last year Americans have to worry about identity theft on such a widespread scale. Happy holidays and monitor, monitor, monitor.

Drew Giorgi is a teacher of English at New Hope-Solebury High School. He is a graduate of LaSalle University and holds master’s degrees from The College of New Jersey and St. Joseph’s University in English and Educational Technology. He is a Fellow of the Pennsylvania Writing and Literature Project (a National Writing Project site), a Keystone Technologist, and author of Blues for Beginners (an instructional music book), and many articles on Media Ecology.

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The Forty Year Old Version

Let’s Keep It Going For One More Year

By Kenny Spaulding

M

Season’s Greetings!

y wife and I knew that this day would come.

Our son is now twelve years old, and at the age that this will either be the year he stops believing in Santa Claus or the last of the years in which he does believe. We look at the Santa thing the same way we look at replacing our fence. Every year the issue comes up, every year we plan to address it, and every year ends with, “Ah, we’ll do it next year!”

I’ll admit it. I want one more year of Santa faith. Heck, I’m forty-one and I still can’t say for certain that there isn’t a Santa Claus. Now, I know that there are benefits to having “the talk.” We finally get the credit for all of these expensive gifts. Also, we don’t have to come up with answers to the inevitable questions that 10-12 year-olds ask when they start wondering about logistics. That’s where The Forty Year-Old Version comes in. Here are three examples of the most often heard Santa questions and some possible answers in case you’re unprepared. Feel free to use them, if you dare.

Example #1.

Question: “How is it possible for Santa Claus to deliver gifts to every house in one night?”

Answer: “Now, I’m not sure about this, but I think he’s got a way of slowing the world down like a hundred million times.”

Follow-Up Question: “But each area is in a different time zone.”

Answer: “I think that actually just helps him out, really.”

Attempted Follow-Up: “But” Final Interruption: “Look, I’m not a scientist. It might be the space-time continuum for all I know. All I do know is that if you don’t get your homework done, he’s not coming at all.”

Example #2.

Question: “How do they manage to make so many toys in one month?”

Answer: “Well, I think they take a week’s vacation after

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Christmas and then they start right away on January 1st, so they’ve got all year.”

Follow-Up: “But how do they know what you want that early?”

Answer: “Are you kidding? They know before you do!”

Attempted Follow-Up: “But” Final Interruption: “I’ve got to go make dinner.”

(Make sure it’s after 3pm) Example #3.

Question: “How are the elves able to make electronics?”

Answer: “The same way the Japanese do.”

Follow-Up: “How do they do it?”

Answer: “I don’t know, I’m a (insert profession), not an electronics expert. (If you are an electronics expert, feel free to explain.)

Follow-Up: “Then why doesn’t anyone get a car for Christmas?”

Final Answer: “What? You’ve never seen a Lexus Commercial?”

We’re going to make it one more year, with the fence and with Santa. I can feel it!

Kenny is a freelance writer who has learned a bevy of lessons in his forty plus years of existence, mostly through the process of mistake-making. He is happy to share his life observances with you. He is currently working on an original series of novels (The 4F Series), lives in Bethlehem, PA, and has been blessed in life with an amazing family.

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Local Living Volume 4 | Issue 6

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How to Sparkle and Shine This Season (Without Looking Like a Holiday Ornament)

A

s every true fashionista knows, when the leaves start to fall the holiday party planning begins.

Now what do I want to wear to the party that is festive, fun and fashionable?

Holiday parties are the perfect way to make a great impression at a work party, rock your inner party girl with friends, or simply have fun taking with an opportunity to step out of your everyday wardrobe.

The problem is that many women take the word fun and festive to a whole other level, by mixing too many trends and textures.

As with any look, a fashionista must “pick her poison.”

Decide what article or accessory defines your personal style and play with that aspect. Two holiday trends that can be interpreted in your own way are sequins and leather.

Sequins are back in style! (And not the 80’s kind but a sleek and sophisticated version.) Leather is also making an appearance for the holidays in fresh styles like a one shoulder tunic dress or legging.

Sequins are perfectly acceptable in skirts or a top, but be careful with a full dress. It may not always be the fashion statement you want to make.

A sequin dress is often worn too tight or short. If you want to wear this trend, opt for an easy tunic style, which can be shorter, or a classic sheath shape in a darker color or a muted tone.

If you opt for sequins in a top, try pairing it with a black skirt or a cigarette pant with high heels. A pulled back pony can complete this updated 40’s look and make it modern and fresh.

Leather as a key piece to your outfit can be a way to update your style for the holidays.

Pairing a leather legging with a silk shirt in a longer shape is the best way to add a little shine to your holiday look.

A leather dress in a t-shirt shape paired with a sequin bag and high gloss pump or boot can be on trend without looking to trendy.

The key to fashion success this holiday season is to add a little shine to your look by taking one item and making it the focal point. Don’t embrace too many trends! You should only find a shiny ornament on your holiday tree and not when looking in the mirror!

— Anonymous Self-Proclaimed Shopaholic

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Experience Holiday Shopping at its Peak Come outside and enjoy the sights, sounds, and feelings of the holidays.

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Local Living Volume 4 | Issue 6

Collection 18 Heidi Tech Hat with Tassels QVC Item #A257305 Approximately $17.50 L’Occitane Men’s Shaving Ritual Duo with Gift Bag QVC Item #A227422 Approximately $37.50 Volume 4 | Issue 6 Local Living

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Magformers Remote Control Magnetic Cruiser Accessory Set QVC Item #T32521 Approximately $30.00

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Emma & Sophia Leather Crossbody Phone Wallet QVC Item #A260002 Approximately $59.00

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Volume 4 | Issue 6 Local Living

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YOUR LIFE,

your shoppes

YOUR HOLIDAY

In the

Spirit of Giving

By Michelle Welliver

FIND THE

perfect gift

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A

round the holidays every year, I start to make out a list of all those that I would like to give gifts to and go out of my way to do nice things for. The list always seems to consist of the same individuals, with little side notes of what I have planned for each one: buy this or that for certain family members, mail out cards to close friends, make gifts for my children’s teachers, and bake cookies for the neighbors. But recently it dawned on me… who else could I give a little holiday cheer to? Are there others that I am thankful for who deserve to be on this list? The answer is yes.

The spirit of this season is truly about giving, not receiving, and I have decided that I am going to add to my list and, at the same time, instill in my family what the holidays are truly about. So with whom do I start this new tradition?

Being a recently retired military family, we are forever thankful for our fellow sailors, soldiers, and airmen that serve and defend our country on a daily basis. We have experienced what it is like to be apart and on opposite sides of the world during the holidays, and know how much it means to receive anything by mail to let us know that we are being thought of. Currently we do not have any family or friends serving overseas, but there are plenty of men and women who will be away from their loved ones this Thanksgiving or Christmas and deserve this gift of giving.

After doing some research, I came across some wonderful organizations that give information on how, where, and what to send to these brave military members. Here are just a few: AnySoldier.com – Started in 2003 as a simple family effort for soldiers in one Army unit, it has expanded to

include any deployed member of any branch of the U.S. armed forces. On the “Where To Send” page, they list volunteer soldier contacts who are stationed in different areas overseas and that list the wants and needs of those they represent. When they receive the packages, they are distributed to those that do not receive much or any mail and everything is shared.

AdoptAUSSoldier.org – A non-profit organization where you can choose to send letters and packages to a single soldier during his or her duration of deployment, or register through Project Frontlines for a one time donation to a unit.

OperationGratitude.com – They have shipped more than one million care packages since its inception in 2003.

Donations can be packaged and sent with a donation form that is printed out from the website to the address that is provided for Operation Gratitude. They even have a “Wish List” on Amazon.com where supporters can see what they need for care packages and place the order online, having it directly shipped to them, with many items qualifying for free shipping.

I can’t wait to begin our new tradition this year and share in giving not only another physical gift, but also encouragement and gratitude to someone that deserves it the most.

Michelle Welliver finds passion as a mom, writer, photographer, cake artist, runner, and Media and Communications student at Delaware Valley College. She currently resides in Quakertown, Pennsylvania with her husband, a U.S. Navy veteran, and three children.

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pets

Service Dogs

W

by Carla Papciak-Glatts

hen you think of the term service animal, you may only think of a visually impaired person being guided by a dog in a harness. Today, there are many more reasons a service animal is needed. They not only assist people with disabilities but also those with medical and emotional issues. According to the United States Dog Registry, there are 3 categories a dog can be of assistance: service, emotional, and therapy.

A service dog is classified as helping a person with a disability. Some of those disabilities include: visual or hearing impairment, seizures, diabetes, PTSD (post-traumatic stress disorder), autism, epilepsy and multiple sclerosis. A dog can be trained to retrieve a phone, open and close drawers, alert you of a fire alarm or when someone is at the door, and be your “eyes” when walking. Service dogs can be trained to pick up scent changes in the blood of their handler. A dog is capable of detecting a seizure up to 2 hours before it occurs and alert their handler to be prepared. With diabetes, the dogs can recognize if blood sugar levels are too low and will alert the handler to take medication. Service Dogs can help children with autism by assisting their parents with a multitude of things, such as when the child wanders off and tries to hide. They also provide tactile stimulation (hugging, petting or the dog lying with the child) to help calm them during a difficult moment.

An emotional support dog helps by providing comfort and support to individuals suffering from emotional issues.

Anxiety, depression, bipolar mood disorder and panic attacks are some of the common disorders that get assistance from these dogs. The purpose of the emotional support dog is to provide therapeutic benefits such as affection, companionship, motivation and a sense of security. The dogs can help by waking their handler to prevent over-sleeping, facilitate social interactions and reduce fear in social settings, provide tactile stimulation, and most importantly offer companionship.

Therapy dogs are trained to provide affection and comfort to individuals in hospitals, nursing homes and schools. The size of the dog does not matter. Patients may hold a small dog on their lap or pet a big dog close by. Therapy dogs have been known to help lift the spirits of people struggling with emotional distress. Children can also benefit from therapy dogs.

Recently, local libraries and some schools have found a use for these dogs. By reading books aloud to the dogs, confidence levels are increased for struggling readers. Dogs are taught to lay still by the child, be patient and ready to listen. Reading to the dogs also makes learning fun and eliminates the boredom.

It is important to know that service and emotional support dogs are not pets, and it can be well over $20,000 to train them. Costs will vary between organizations and sometimes there is financial assistance for families. Volunteers are used to care and train for the service dogs from the puppy stage until they are ready to be matched with their new handlers.

Therapy dogs are usually the family pet with special training through a therapy organization and have the privilege to create many smiles and better readers. It’s obvious that dogs are amazing animals. They empower all of us to love, give and serve.

For more information on therapy dogs: www.pawswithpatience.com – Paws with Patience Lehigh Valley / Bucks County area www.tdi-dog.org – Therapy Dogs International www.comfortcaringcanines.org – Southeastern Pennsylvania, New Jersey & Delaware For more information on service dogs: Apply or become a caregiver www.Keystonehumanservices.org – Pennsylvania Service Dogs Carla Papciak-Glatts is an animal activist, shelter volunteer, and busy mom of two girls and a German Shepherd. She resides in Upper Bucks County.

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cultural corner

Out and About This Holiday Season

By Donna Dvorak

W

ith the holiday season in full swing, it’s time to get out and enjoy the seasonal festivities! Gather the family and savor each moment. There’s something for everyone as the local sights, smells, and seasonal sounds come alive.

Peddler’s Village, in Bucks County, PA This is the perfect place to kick off the season! “We feature different village neighborhoods, and a mini illumination that leads to our grand illumination of one million lights,” says Eve Gellman, Communications Manager. “Jingles the Elf, Mrs. Claus, cookie baking, our gingerbread display (Friday Nov. 21) and more contribute to the fun. Santa arrives on Nov 21 @ 6:15 on the main green and flips the switch! Christmas festivals are on Dec. 6 and 7. Our Christmas parade is on Sat. Dec. 6 @ 1:30 with Santa and Mrs. Claus. Santa sits in his headquarters at Christmas Central so bring your wish lists. Hanukkah gifts are also available in our stores.” Information: 215-794-4000.

Colonial Williamsburg, VA Feel like taking a ride? Whimsical decorations, caroling and frost covered windows make Colonial Williamsburg, VA, your fun spot. Miles of fresh pines hug the lampposts and sights, smells and sounds promise a memorable holiday. Enjoy a Christmas Homes Tour along the cobblestone roads with private residences opened to the public. Stroll in the historical area, enjoy 18th century music, lore at local taverns and stay at one of the many Williamsburg bed and breakfasts, hotels, or quaint inns. Market Square is filled with holiday cheer, European themed food, kettle corn, wassail and hot chocolate to keep you warm.

Rockefeller Center, in New York, NY Heading North? How does Christmas at Rockefeller Center sound? This nation’s favorite Christmas destination includes the famous spruce tree on the plaza with Gossamer Angels boasting golden trumpets and sounds of music. This will be the 80th Radio City Christmas Spectacular starring the high kicking Rockettes and the

perfect place to create family memories. Favorites include the Parade of the Wooden Soldiers and Living Nativity, performed since its inception. Information: www.radiocity. com Byers’ Choice Ltd., in Chalfont, PA Byers’ Choice is a delight all year round. Nothing prepares you for this amazing Christmas Village. Watch the artisans handcraft each caroler, wind around the miniature villages and stop at the gift shop to find your favorite caroler or kindle, Advent Calendar, tree decorations and more.

Gerald Dickens will perform “A Christmas Carol” on Dec. 5 and 6. Call 215-822-6700 for tickets.

Philadelphia, PA Philly bound? Love Park ( JFK PLAZA) is transformed into a European wonderland from November through December. The outdoor market with its aromas of waffles and gingerbread will add to your holiday excitement. With 60 vendors arriving from all over the world you’ll be sure to find that special gift while enjoying your shopping.

For a joyous Hanukkah celebration join the lighting ceremony on the Mall at Independence National Park. Philadelphia. A parade of three hundred cars, with lighted menorahs, floats, dignitaries, and dancing musicians leave the art museum and wind around city streets to the mall. The Menorah will be lit and donuts distributed! Information: 215-725-2030 Or bring your family to the National Museum of American Jewish History, at 5th & Market on Independence Mall and join the fun. Their “Young Friend’s Program” for those 21 – 40 features a ‘Cocktails and Candle-lighting’ on Dec. 8, inside the museum. They are open Christmas Day with a program called “Being ____ At Christmas”. Fill in your own word as it’s for everyone! Information: 215-923-3811 Although, this Philadelphia tradition still reigns supreme.

The “Macy’s Christmas Light Show” and “Wanamaker Organ Concert” is a fifty-year extravaganza to delight kids young and old! Stroll through a Christmas Village, visit Santa and purchase gifts – all at the same time. Light show: every two hours, seven days a week.

And, the best way to usher in the New Year? Reserve a room at the Double Tree Hotel on S. Broad St. Watch the Mummer’s strut their stuff on January 1! It’s the perfect ending to a holiday season and a super way to say ‘hello 2015’!

Camden, NJ Breakfast with Santa? The Battleship New Jersey’s annual event provides history and fun. The kids will have a hot breakfast served chowline-style in the crew’s galley! Take a photo with Santa, explore the ship, meet mascots and win prizes. Breakfast is ½ price for military families! December 6, 2014 @ 9 a.m. Tickets: 866-877-6262 Cape May, NJ What better place than Victorian Cape May to find an Old Fashioned Christmas? From November through January the town is transformed into a true Dickens Village with fragrant greens and twinkling gaslights. Sample a variety of food, step on a trolley ride, try wine tastings, house tours and other experiences of Christmas. The Carriage House Gallery at the Emlen Physick Estate turns into a Christmas wonderland with model trains, toys and Dickens Village Houses.

Bethlehem, PA O’ Little Town of Bethlehem! This Historic Christmas City, in PA, is filled with the magic of Christmas and touches everyone who visits. From the holiday charm of “Christkindlmarkt” to carriage rides, Bethlehem by night, candlelight strolls through the city, a Luminaria night, shopping and breakfast with St. Nick, this is a ‘must see’.

Information: www.christmascity.org.

Donna Dvorak is a Philadelpha-born freelance writer, reporter, award-winning poet, author, columnist, and creative writing teacher. She currently resides in Bucks County, Pennsylvania.

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Celebrate the Holidays at the Castles Exhibit: Under the Tree: A Century of Holiday Trees and Toys

November 22 - January 4

See trees decorated to the tastes of earlier eras and toys that once delighted children.

Winter Wonderland: Holiday Decorations at Fontill

December 5 - January 4

Tour the Castles decked out for the holiday season.

Reservations suggested, call 215.348.9461.

To plan your party at the Castles

visit memorableaffairs.com

FOR YOUTH DEVELOPMENT FOR HEALTHY LIVING FOR SOCIAL RESPONSIBILITY

GIVE GIFTS THAT LAST! A Y GIFT CERTIFICATE

Improves skills, builds confidence, promotes healthy habits. ● ● ● ● ● ●

Membership - lasts all year Swim Lessons - provide lifelong skills & builds self-esteem Sports Massage, Reflexology - relax and unwind Art, Dance, Gymnastics, Guitar - fostering the arts Personal Training - develop focused programs Camp - form friendships and make memories

Connect with the Welcome Center at 215.348.8131, x0.

CENTRAL BUCKS FAMILY YMCA mercermuseum.org • 215.345.0210

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2500 Lower State Road, Doylestown, PA 18901 | 215.348.8131 | www.cbfymca.org

Local

goes local

Christmas in Williamsburg, VA

By Diane Burns

I

f you are looking for a unique Christmas vacation, may I suggest you celebrate the holiday this year by traveling back in time to Colonial Williamsburg, Virginia? Experience the traditions of yesteryear, as you and your family create new memories.

The festivities kick off on the first Sunday of December with The Grand Lumination featuring many musical performances on stage and a display of fireworks from three different locations. Take a stroll down cobblestone streets in the downtown Colonial area, where nightly bonfires are set to emit the smell of sweet burning pine.

The aroma immediately puts you in the holiday spirit. The houses are all lit with just one single white light in the window, a tradition that begun in Williamsburg many years ago. While you stroll, enjoy The Fife and Drum corps as they parade down the street.

The children might enjoy the exhibitions of life back in Colonial times. They can see how candles and books were made and how a horse got his new shoes during a visit to the

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blacksmith’s shop. What a wonderful experience to see how children celebrated the holiday many years ago.

Perhaps you would enjoy a holiday tea at The Williamsburg Inn or a hearty breakfast at the Williamsburg Lodge? After you have finished your meal, take The Christmas Decorations Walking Tour and sip on a cup of warm cider. Enjoy the spectacularly decorated homes decked out in all their holiday finery. If you prefer, take a horse drawn carriage while you experience the sights and sounds of this revolutionary city.

You cannot visit Williamsburg without doing a little holiday shopping.

If you are looking for that special gift, some of the finest shops can be found in Merchants’ Square. Bargain hunters will enjoy the many stores at the outlets. After a day of purchasing, you will have surely worked up an appetite. Whether it’s fine dining or a friendly family restaurant you are looking for, you’ll find what suits your palate in Williamsburg.

Just outside of the city you’ll find Busch Gardens, a magical adventure

for old and young alike. More than 5 million lights illuminate the park where holiday traditions from around the world are celebrated each year.

Enjoy the festivities while sipping on a cup of hot peppermint cocoa, a tradition at Busch Gardens. The entire family will have fun sampling the different food represented in each of the countries you will visit at the Gardens.

There are a variety of hotels, condos and bed and breakfasts available that will fit your taste and budget. Most hotels (but not all) offer a free breakfast plus other amenities such as Internet connection. It will benefit you to make a reservation early so you can take advantage of the vacation packages and discounts that are offered.

Wishing you a happy holiday filled with new experiences and memories.

For more information: contact Williamsburg Vacations at 221Bulifant Blvd., Suite A, Williamsburg, VA 23199 Diane Burns is a freelance writer who currently resides in Chester County, PA