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HOME

Steps for an indoor

R E A L E S TAT E

INDEX

TIPS FOR A SMART FLIP

herb garden

House flipping can overwhelm even the most confident investors.

According to Matt Woodley, founder of MoverFocus, investors should not spend more than 70% of the anticipated value of the property.

This includes the cost of purchasing the property and making repairs.

This rule provides a safety net for investors in case real estate value does not rise.

By Carole McCray More Content Now

G

ardening indoors with herbs is a way to keep summer’s fresh flavors in your favorite dishes. Enjoy adding a snippet of fresh basil for a hearty tomato sauce or a few cuttings of thyme or sage to flavor the Thanksgiving stuffing, all possible with an indoor herb garden.

For cold climates, bring herb plants in before a hard frost. If your plants look a bit forlorn, garden centers and nurseries, a farmer’s market or roadside stands are places to find fresh plants.

A sunny kitchen windowsill or a room near the kitchen are ideal locations for an indoor herb garden. Your plants should receive at least six hours of full sun.

If the herbs have been in the ground, you might want to put them in small pots or, if the plants were in pots in the garden, you can use the pots. Either way, a check for pests is a good precaution. Look for aphids, white flies, spider mites and scale insects. Carefully wash the leaves of the plants with warm, soapy water so the soil does not fall out of the pot. With your hand or plastic wrap, hold back the soil.

The larger the container holding the herbs, the better, because you can grow more herbs and the soil will not dry out as quickly. When planting, soak the container in water first if it is an unglazed terra cotta pot or other porous container, so moisture is not pulled from the soil. Good drainage is important.

Grow lights will help the plant receive adequate light if the room is not bright enough.

If using artificial light, keep the pots close together, not further than 8 inches away from the grow lights. Most herbs prefer a south- or west-facing window.

Overwatering is worse than underwatering.

Keep herbs moist, and feed with good liquid plant food.

Woodley also says a flipper should invest in the most vital aspects first, like the foundation and roof.

9

COUNTERTOPS

SAVE MONEY BY PAINTING Painting a laminate countertop is a low-cost option for those wanting to update their kitchen. According to HGTV, first sand down the surface, wipe away the dust and dry it. The countertop can then be painted with primer and paint roller, followed by one to two coats of paint. Seal the surface with polyurethane after the paint has dried. When the polyurethane is dry, sand the countertop with a moist sanding sponge until the countertop is smooth. Then reapply and sand the polyurethane two more times.

PEXELS/ FREEPIK/ VISUALHUNT IMAGES

Popular herbs for indoor gardening

• Chives: Potato dishes, soups and stews are enhanced with its oniony flavor.

• Basil: Genovese is the most popular variety. I like it to make pesto and top pizza and pasta off with the pesto. Spicy globe, Thai and lemon are other choices, and opal basil is one I use to make herbal vinegar, giving it a pale lavender tint.

• Dill: Its feathery foliage is flavorful on fish and potato salads.

Make the Grade.............................153 Mother’s Day Gift Guide................ 72 New Car Preview............................86 NASCAR Preview..........................96 Paint it All Pink..............................106 Pets.................................................113 Salute to Nurses..............................138 Senior Care Guide.........................123 Summer Camp..............................132

Neighbor’s waterfall is destroying our fence

As fall descends, gardeners can get a jump on spring by planting colorful bulbs for the coming year. According to Diana Stoll, garden writer for the Daily Herald, gardeners should plant bulbs two to three times as deep as they are tall.

Bulbs require dry conditions during their dormant phase and should not be planted in low spots or adjacent to perennials, which require constant moisture.

Richard Montgomery

R

eader question: We bought a home a year ago built in the ‘80s. A problem has surfaced with the back block fence. The neighbors have a water feature and waterfall that abuts their side of the wall. The structure is leaking water and creating problems on our property. The soil on our side of the wall is continually mushy, and the wall is slowly disintegrating.

We can see through some of the mortar joints in the blocks. What can we do?

Monty’s answer: When you purchased your home, did you notice the seepage

Seek to understand — then be understood

and explaining what you are experiencing on your side of the fence. It will not be a shock if they are not aware of it. The fountain could appear normal on their side.

Ask them if their water bill is higher than usual.

They may have wet soil on their side as well.

Do either of you have a survey that can be used to find the survey stakes? The exact location of the wall is essential. Does it straddle the lot line or rest totally on one side or the other.

Determining who owns the fence is the first step in seeking resolution because if the entire wall is on their property, it is their responsibility. If neither of you has a survey, consider asking a registered land surveyor to identify the corner stakes.

Simultaneously, ask three unrelated contractors

Once you establish the ownership, most neighbors will be engaging, reasonable and anxious to repair the leak in the wall.

You want to ascertain if your neighbors know about the leak. Have you met the owners? Consider approaching them

for a bid to identify the source of the leak, the best solution and the cost to repair the leak and the wall.

If you want to farm the entire job out to one company, a landscape company will find the appropriate tradespeople. This article at http://bit.ly/2LCy4i6 offers more help.

An uncooperative neighbor In the unlikely chance the neighbor snubs you and is uncooperative, obtain the survey and review your purchase documents.

When you know the location of the wall, the decision will be easy if the wall does not sit on both parcels.

If it does, gather the estimates and go back to the neighbors. If they remain uncooperative, consult with an attorney to consider your choices.

FIND US ON FACEBOOK FAC E B O O K .C O M / S AV E T I M E A N D M O N E Y

TIPS & TRICKS Recent recalls • General Mills recalls fivepound bags of Gold Medal Unbleached All Purpose Flour with a better if used by date of Sept. 6, 2020: The recall was issued for the potential presence of E. coli. 800-2308103 or generalmills.com/ flour

37

• Humanscale recalls QuickStand Lite Workstations due to injury hazard: The arm can break and cause the workstation to fall. Involves QuickStand Lite height adjustable workstations for single or double computer monitor screens. They have a keyboard platform and an adjustable arm. Sold at furniture stores nationwide and at Humanscale.com, Fellowes.com and other websites from January 2015 through November 2018 for about $600. 855-319-0315, QSLinquiry@humanscale.com or humanscale.com.

Learning from

RETIREE REGRETS

• Kichler Lighting recalls Elan Shayla Mini Pendant Lights due to fire hazard: The light sockets can overheat, melt or catch fire. Products are chrome and clear glass fixtures with one, three or nine pendant lights. Sold at lighting showrooms nationwide from May 2013 through March 2015 for between $45 and $350. 866558-5706, kichler.com.

By Erin El Issa | NerdWallet.com

T

he American Dream may have changed since the days of pensions, but one thing remains the same: the desire to retire.

Almost half of non-retired Americans (49%) see themselves retiring before age 67, according to a new NerdWallet survey.

But they might want to consider whether they’re doing what it takes to reach that goal. More than half of today’s retirees (54%) have regrets about the way they saved for retirement, and their No. 1 regret is not saving aggressively enough.

In a recent online survey of more than 2,000 U.S. adults, commissioned by NerdWallet and conducted

by The Harris Poll, we asked Americans who aren’t yet retired when they think they’ll retire. If they don’t think they will, we asked why. We also asked about their current retirement savings.

On the flip side, we asked retired Americans at what age they left the workforce, what regrets they had about their retirement, and how they viewed retirement when they were in their 20s.

Free food alert!

Mark your calendar for possible freebies on these upcoming dates: Oct. 11: National Sausage Pizza Day Oct. 14: National Dessert Day Oct. 17: National Pasta Day Oct. 18: National Chocolate Cupcake Day Oct. 28: National Chocolate Day

Key findings:

While most Americans think they’ll be able to retire •someday (85%), around 1 in 12 (8%) think they’ll never be able to retire. The top reason? They don’t think they’ll have enough money saved for retirement (54%).

Other important dates in October include World Mental Health Day Oct. 10, Columbus Day Oct. 14, Boss’s Day Oct. 16 and National Make A Difference Day Oct. 26.

Oh, and Halloween Oct. 31.

amount of retirement savings, on average, •of The Americans who have started saving and aren’t

Non-retired Americans can earn a lot from retirees Here’s what retirement hopefuls can learn from those who’ve already taken the leap: • They retired early: Retired Americans’ average retirement age was 59.1 — the median age was 61 — meaning they retired earlier than the traditional age of 67 (or even the previous traditional age of 65).

More than 2 in 5 retired Americans (42%) retired before age 60.

• They thought they had plenty of time to save: More than 1 in 5 retired Americans (22%) said when they were in their 20s, they figured they had plenty of time to save for retirement when they were older.

Around 1 in 8 (13%) say when they were in their 20s they enjoyed working so much they didn’t think they would want to retire.

• They have retirement regrets: The biggest ones?

Not saving more aggressively (30%) and not starting to save sooner (29%).

yet retired is more than $250,000, with a median of $80,000.

How to get ready for retirement • Save now, save more: If you aren’t saving yet, start as soon as possible. If you’re saving some but not enough, increase your savings, even by just a percent or two. Add savings into your budget, cut expenses that aren’t important to you, and redirect these funds into your retirement account.

•

More than one-third of retired Americans (36%) say it wasn’t their personal choice to retire when they did.

Some left the workforce early because their health required them to stop working (18%) or they lost their job and were unable to find another (9%).

Get tips every day through your Amazon Echo. Enable the Smart Tip of the Day skill at amzn.to/2FKw5c4 or by asking Alexa for a “Smart Tip of the Day.”

age of 67. Early retiree hopefuls are a smaller group — just 7% of Americans who aren’t currently retired say they think they’ll be able to retire before age 50.

While most non-retired Americans see retirement in their future, 8% don’t think they’ll ever be able to retire. More than half (54%) of that group don’t think they’ll be able to retire because they won’t have enough money saved, while over a third (35%) say they’ll never retire because they’d be too bored without work and almost a quarter (23%) say they haven’t saved anything for retirement.

Close to 1 in 3 retired Americans (30%) regrets not saving more aggressively for retirement.

•

More tips on Echo

• Even if you don’t plan to retire, save for it anyway:

If nothing else, this nest egg will give you options.

• Figure out how much you want to save for retirement and work methodically toward that goal:

Deals in your inbox

Americans think they’ll be able to retire slightly early

Go to myprofile.timeand money.com to sign up for our Thursday newsletter, full of deals and tips to make life easier.

We asked non-retired Americans when they think they’ll be able to retire, and the most common answer was between age 60 and 66 (28%), slightly earlier than today’s Social Security full retirement

It’s difficult to figure out how much to save now if you don’t know where you want to end up later.

Determine how much you need for your golden years, and use a retirement calculator to see how much you should be saving each month to accrue that amount.

Apps for those seeking help with addiction

By Deena Bouknight

co-founder and CEO, said the app “… includes a personal recovery coach, substance testing and incentive funds.”

Already, at least seven treatment facilities in the U.S. are using the app, Gastfriend said.

Through the mobile app, DynamiCare facilitates testing, medical support, scheduling and more. Patients using the app have the opportunity to schedule their breath or saliva tests and then self-administer and submit through the app via a video chat feature. The app also keeps track of appointments and records. Users are “rewarded” on a smart debit card for keeping their

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On average, more than 130 people in the United States are dying daily due to opioids, according to the CDC and the state of Ohio, which embarked on the Opioid Technology Challenge two years ago. The challenge called on companies, scientists, health care institutions and citizens to come up with unique ways to address the modern opioid epidemic. One idea selected was for an app developed by DynamiCare Health in Boston.

Eric Gastfriend, DynamiCare Health’s

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A few questions we had to ask ourselves

2. Four will go After the checkered flag drops on the Roval, four drivers will be eliminated from postseason play.

William Byron sits on the cut line, 12th in points.

Alex Bowman and Clint Bowyer are ready to pounce. They are only two and four points

Tax Prep.....................................209 Year in Review............................216

Is Truex Jr. peaking too soon?

In traditional sports, you could make a case for such a thing, especially if there’s a chance at burning through the energy and adrenaline you may need later. But not in racing. You take every win that’s available, regardless of whether you’ve already clinched a trip to the next playoff round. There are plenty of advantages to such a thing, but mostly, it comes down to a racer’s desire for trophies — a desire that usually dates back to grade school.

How’s the dream coming?

Brad Keselowski (2) runs into the tire wall in Turn 1, igniting a huge pileup late in last year’s Roval race at Charlotte. [AP/MIKE MCCARN] behind Byron. Byron has a chance to improve his standing because 10th-place Blaney is only six points ahead and 11th-place Aric Almirola is just one up.

3. Roval consensus The Roval seems like a good place to host a playoff cutoff race.

“I don’t know that I’m looking forward to the

It’s a bit mean, but we love chaos, and we’ve therefore always pulled for a winless Cup Series champ. Six winless drivers made the playoffs, and five could advance to Round 2. Kyle Larson (eighth) and Ryan Newman (ninth) lead the way heading to Charlotte.

Roval,” Ryan Newman said. “I don’t really know anybody that actually is, except for maybe Martin Truex.” Truex Jr. has banked two playoff wins. Bowyer seems to have the right attitude.

“It’s gonna be fun for everybody involved,” he said. “It’s do-or-die time.

It’s the playoffs.”

Ken Willis, ken.willis @news-jrnl.com NASCAR CUP S TA N D I N G S 1. Martin Truex Jr. 2. Kevin Harvick 3. Kyle Busch 4. Brad Keselowski 5. Denny Hamlin 6. Joey Logano 7. Chase Elliott 8. Kyle Larson 9. Ryan Newman 10. Ryan Blaney 11. Aric Almirola 12. William Byron 13. Alex Bowman 14. Clint Bowyer 15. Kurt Busch 16. Erik Jones 17. Daniel Suarez 18. Jimmie Johnson 19. Paul Menard 20. Chris Buescher

Godwin Kelly, godwin. kelly@news-jrnl.com

RICHMOND

THREE THINGS WE LEARNED

WINNER: Martin Truex Jr. REST OF TOP 5: Chase Elliott, Joey Logano, Kyle Busch, William Byron FIRST ONE OUT: Daniel Suarez DARK HORSE: Erik Jones DON’T BE SURPRISED IF: Truex just sweeps Round 1. Truex was on the way to victory last year before he was spun out in the final turn.

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Q U E S T I O N S & AT T I T U D E Compelling questions ... and maybe a few actual answers

1. Roval madness Race 3 of the playoffs will take place on Charlotte Motor Speedway’s 2.28-mile Roval road course. Last year’s inaugural race was pure chaos when Brad Keselowski’s crash in Turn 1 sparked a huge pileup.

“Last year I thought we were going to be all right and finish OK, but then we all decided to follow everybody else off a cliff,” Kyle Busch said. “It was pretty ugly.”

Ryan Blaney won in ’18 when the two lead cars crashed.

1. Opposite directions Martin Truex Jr. and Erik Jones went in opposite directions in Race 2 of the playoffs. Truex has back-to-back victories while Jones, who was hoping to points-race his way to Round 2, was disqualified following post-race inspection (rear wheel alignment).

Jones got one point.

MOTOR MOUTHS PODCAST Things take a turn this week.

A right-hand turn, no less.

2. Passing carefully

Tune in online at www.news-journalonline.com/ daytonamotormouths

Truex had to pass his Joe Gibbs Racing teammates Denny Hamlin and Kyle Busch in the closing laps to secure the Richmond victory. JGR finished first, second and third.

“Martin, the car, the combination thereof. Us, the combination of, just

available include these suggested by rehabs.com: 1. Pear reSET 2. Sober Grid 3. Nomo – Sobriety Clocks 4. SoberTool 5. WEconnect 6. rTribe Recovery apps currently available offer various help aids and formats for all types of addictions. Evaluating each one’s idiosyncrasies, accountability level and financial responsibility (if not free) enables potential users to determine the right app for their circumstances.

The Daytona Beach News-Journal’s Godwin Kelly & Ken Willis have covered NASCAR for nearly 60 years combined. godwin.kelly@ news-jrnl.com ken.willis@news-jrnl.com

THREE THINGS TO WATCH

Of the four current outsiders, who has best chance to sneak in a last-minute win?

GODSPEAK: I pulled Clint Bowyer’s name out of the hat, which is the easiest way to choose in this situation.

KEN’S CALL: Kurt Busch, easy.

He won the Roval pole last year and finished fifth. He’s capable if the car’s capable.

GODWIN’S PICKS FOR CHARLOTTE

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SPEED FREAKS

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medical or mental-health appointments and for achieving set milestones.

“So often, we punish people with substance use disorders for doing the wrong thing,” explained Gastfriend.

“DynamiCare [app] rewards them for doing the right thing. That positive reinforcement and encouragement can really make a huge difference.”

A 2014 on substance-abuse treatment published in the American Journal of Psychiatry found that “Internet-delivered interventions … have the potential to expand access and improve addiction treatment outcomes …”

Other addiction recovery apps

NASCAR THIS WEEK

ALEX BOWMAN VS. AUSTIN DILLON: The two made contact during a pinball restart.

Dillon thought it was done on purpose and spun Bowman, who is fighting to advance in the playoffs.

GODWIN KELLY’S TAKE: After the race, Bowman had a lot to say, but this is printable.

“He (Dillon) just races dumb,” Bowman said. The next race at the Charlotte Roval will offer many payback opportunities.

2

when you inspected the property? Is the leak new, or has it recently intensified? Were you furnished with a seller condition report? There may be another party or two that share some responsibility.

If you discover a real estate agent was derelict, or the seller was aware of the leak, it could help defray the repair costs. The circumstances play a critical role in applying the law and reason to rectify this situation.

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— More Content Now

Will Martin Truex ever become NASCAR’s all-time winningest Junior?

GODSPEAK: No, but on the Junior performance scale, Truex is capable of 40 or so.

KEN’S CALL: He’s one away from Junior Earnhardt’s 26 career wins, but only halfway to Junior Johnson’s 50. He finishes somewhere between them, at about 35.

A La Carte......................................189 Time & Money ..............................183 Others ............................................195

• Thyme: Lemon thyme is a favorite aroma of mine. I place it on top of and under salmon, then bake or broil it.

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College Prep..................................20 Disaster Prep.................................145 Family.............................................29 Healthy Living................................37 Holiday Cookbook........................49 Holiday Gift Guide.........................57 Home & Garden............................166 How To............................................174

• Sage: An earthyflavored herb, sage is popular for adding to stuffings and goes well with pork, poultry and cheese.

• Oregano: A zesty, pungent herb for flavoring Italian and Mexican dishes.

DEAR MONTY

PLANTING BULBS IN THE FALL

Boomers........................................3 Bride...............................................9

• Rosemary: Pinescented rosemary complements chicken, oven-roasted potatoes and pork.

• Mint: Spearmint and peppermint are familiar to most; however, orange and pineapple are pleasant mints, especially for winter teas.

• Chervil: A curly leafed herb, it pairs nicely with egg dishes and as a delicate garnish to a plate.

GARDENING

NICHE PRODUCTS

• Parsley: A culinary staple, the curly leafed plant is the most flavorful.

2141 2120 2117 2106 2105 2101 2088 2076 2065 2059 2054 2053 2051 2049 2039 2008 700 666 608 579

W H AT ’ S O N TA P (All times Eastern)

CUP SERIES: Bank of America 400 SITE: Charlotte Motor Speedway Roval (2.28-mile road course) SCHEDULE: Friday, practice (NBC Sports Network, 2 p.m.), qualifying (NBCSN, 4:30 p.m.). Saturday, practice (NBCSN, 2 p.m.). Sunday, race (NBC, coverage begins at 1:30 p.m., green flag, 2 p.m.)

Martin Truex Jr. struggles to lift the winner’s trophy after his victory at Richmond Raceway. [AP/STEVE HELBER]

lacked a little bit,” Busch said.

3. Hey, Bubba Lost in the NASCAR playoff madness has been the improvement of Bubba Wallace and the No. 43 Chevy. Wallace

was third at Bristol and finished 12th at Richmond. Daniel Suarez led all non-playoff drivers with a ninth-place finish, just ahead of Jimmie Johnson.

XFINITY: Driver for the Cure 250 SITE: Charlotte Motor Speedway Roval SCHEDULE: Friday, practice (NBCSN, 3 p.m.). Saturday, qualifying (NBCSN, 12:30 p.m.), race (NBCSN, 3:30 p.m.)

Godwin Kelly, godwin. kelly@news-jrnl.com

KEN WILLIS’ TOP 10 NASCAR DRIVER RANKINGS MARTIN TRUEX JR. Easy call here

KEVIN HARVICK Two career road-course wins

1

2

DENNY HAMLIN Searching for last month’s heat

2019 CUP SERIES SCHEDULE AND WINNERS

3

Feb. 10: Clash at Daytona (Jimmie Johnson) Feb. 17: Daytona 500 (Denny Hamlin) Feb. 24: Folds of Honor 500 at Atlanta (Brad Keselowski) March 3: Pennzoil 400 at Las Vegas (Joey Logano) March 10: TicketGuardian 500 at Phoenix (Kyle Busch) March 17: Auto Club 400 at Fontana (Kyle Busch) March 24: STP 500 at Martinsville (Brad Keselowski) March 31: O’Reilly Auto Parts 500 at Texas (Denny Hamlin)

KYLE BUSCH Winless streak at 14

4

BRAD KESELOWSKI Let’s make it through Turn 1, please

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April 7: Food City 500 at Bristol (Kyle Busch) April 13: Toyota Owners 400 at Richmond (Martin Truex Jr.) April 28: Geico 500 at Talladega (Chase Elliott) May 5: Dover 400 (Martin Truex Jr.) May 11: Kansas 400 (Brad Keselowski) May 18: All-Star Race at Charlotte (Kyle Larson) May 26: Coca-Cola 600 at Charlotte (Martin Truex Jr.) June 2: Pocono 400 (Kyle Busch) June 9: FireKeepers Casino 400 at Michigan (Joey Logano) June 23: Toyota/Save Mart 350 at Sonoma (Martin Truex Jr.)

KYLE LARSON This Kyle’s winless streak at 74

JOEY LOGANO Will finish eighth at Roval

CHASE ELLIOTT Mr. Hunch likes him this week. Kinda.

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June 30: Camping World 400 at Chicagoland (Alex Bowman) July 7: Coke Zero 400 at Daytona (Justin Haley) July 13: Quaker State 400 at Kentucky (Kurt Busch) July 21: Foxwoods 301 at New Hampshire (Kevin Harvick) July 28: Gander Outdoors 400 at Pocono (Denny Hamlin) Aug. 4: Go Bowling at Watkins Glen (Chase Elliott) Aug. 11: Consumers Energy 400 at Michigan (Kevin Harvick) Aug. 17: Bass Pro Shops NRA Night Race at Bristol (Denny Hamlin) Sept. 1: Southern 500 at Darlington (Erik

RYAN NEWMAN 0-for-life on road courses

CLINT BOWYER We need him to advance!

9 10

Jones) Sept. 8: Brickyard 400 at Indianapolis (Kevin Harvick) Sept. 15: South Point 400 at Las Vegas (Martin Truex Jr.) Sept. 21: Federated Auto Parts 400 at Richmond (Martin Truex Jr.) Sept. 29: Bank of America 400 at Charlotte Oct. 6: Delaware 400 at Dover Oct. 13: 1000Bulbs.com 500 Talladega Oct. 20: Hollywood Casino 400 at Kansas Oct. 27: First Data 500 at Martinsville Nov. 3: AAA Texas 500 Nov. 10: Can-Am 500k at Phoenix Nov. 17: Ford EcoBoost 400 at Homestead-Miami

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TIPS & TRICKS Recent recalls • General Mills recalls fivepound bags of Gold Medal Unbleached All Purpose Flour with a better if used by date of Sept. 6, 2020: The recall was issued for the potential presence of E. coli. 800-2308103 or generalmills.com/ flour • Humanscale recalls QuickStand Lite Workstations due to injury hazard: The arm can break and cause the workstation to fall. Involves QuickStand Lite height adjustable workstations for single or double computer monitor screens. They have a keyboard platform and an adjustable arm. Sold at furniture stores nationwide and at Humanscale.com, Fellowes.com and other websites from January 2015 through November 2018 for about $600. 855-319-0315, QSLinquiry@humanscale.com or humanscale.com.

• Kichler Lighting recalls Elan Shayla Mini Pendant Lights due to fire hazard: The light sockets can overheat, melt or catch fire. Products are chrome and clear glass fixtures with one, three or nine pendant lights. Sold at lighting showrooms nationwide from May 2013 through March 2015 for between $45 and $350. 866558-5706, kichler.com.

Free food alert!

Mark your calendar for possible freebies on these upcoming dates: Oct. 11: National Sausage Pizza Day Oct. 14: National Dessert Day Oct. 17: National Pasta Day Oct. 18: National Chocolate Cupcake Day Oct. 28: National Chocolate Day Other important dates in October include World Mental Health Day Oct. 10, Columbus Day Oct. 14, Boss’s Day Oct. 16 and National Make A Difference Day Oct. 26.

Oh, and Halloween Oct. 31.

More tips on Echo Get tips every day through your Amazon Echo. Enable the Smart Tip of the Day skill at amzn.to/2FKw5c4 or by asking Alexa for a “Smart Tip of the Day.”

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RETIREE REGRETS

By Erin El Issa | NerdWallet.com

T

he American Dream may have changed since the days of pensions, but one thing remains the same: the desire to retire.

Almost half of non-retired Americans (49%) see themselves retiring before age 67, according to a new NerdWallet survey.

But they might want to consider whether they’re doing what it takes to reach that goal. More than half of today’s retirees (54%) have regrets about the way they saved for retirement, and their No. 1 regret is not saving aggressively enough.

In a recent online survey of more than 2,000 U.S. adults, commissioned by NerdWallet and conducted

by The Harris Poll, we asked Americans who aren’t yet retired when they think they’ll retire. If they don’t think they will, we asked why. We also asked about their current retirement savings.

On the flip side, we asked retired Americans at what age they left the workforce, what regrets they had about their retirement, and how they viewed retirement when they were in their 20s.

Key findings:

While most Americans think they’ll be able to •retire someday (85%), around 1 in 12 (8%) think they’ll never be able to retire. The top reason?

They don’t think they’ll have enough money saved for retirement (54%).

amount of retirement savings, on average, •of The Americans who have started saving and aren’t

age of 67. Early retiree hopefuls are a smaller group — just 7% of Americans who aren’t currently retired say they think they’ll be able to retire before age 50.

While most non-retired Americans see retirement in their future, 8% don’t think they’ll ever be able to retire. More than half (54%) of that group don’t think they’ll be able to retire because they won’t have enough money saved, while over a third (35%) say they’ll never retire because they’d be too bored without work and almost a quarter (23%) say they haven’t saved anything for retirement.

Non-retired Americans can learn a lot from retirees Here’s what retirement hopefuls can learn from those who’ve already taken the leap: • They retired early: Retired Americans’ average retirement age was 59.1 — the median age was 61 — meaning they retired earlier than the traditional age of 67 (or even the previous traditional age of 65).

More than 2 in 5 retired Americans (42%) retired before age 60.

• They thought they had plenty of time to save: More than 1 in 5 retired Americans (22%) said when they were in their 20s, they figured they had plenty of time to save for retirement when they were older.

Around 1 in 8 (13%) say when they were in their 20s they enjoyed working so much they didn’t think they would want to retire.

• They have retirement regrets: The biggest ones?

Not saving more aggressively (30%) and not starting to save sooner (29%).

yet retired is more than $250,000, with a median of $80,000.

How to get ready for retirement

•

• Save now, save more: If you aren’t saving yet, start as soon as possible. If you’re saving some but not enough, increase your savings, even by just a percent or two. Add savings into your budget, cut expenses that aren’t important to you, and redirect these funds into your retirement account.

• Close to 1 in 3 retired Americans (30%) regrets not saving more aggressively for retirement.

More than one-third of retired Americans (36%) say it wasn’t their personal choice to retire when they did. Some left the workforce early because their health required them to stop working (18%) or they lost their job and were unable to find another (9%).

• Even if you don’t plan to retire, save for it anyway:

If nothing else, this nest egg will give you options.

• Figure out how much you want to save for retirement and work methodically toward that goal:

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Americans think they’ll be able to retire slightly early

Go to myprofile.timeand money.com to sign up for our Thursday newsletter, full of deals and tips to make life easier.

We asked non-retired Americans when they think they’ll be able to retire, and the most common answer was between age 60 and 66 (28%), slightly earlier than today’s Social Security full retirement

It’s difficult to figure out how much to save now if you don’t know where you want to end up later.

Determine how much you need for your golden years, and use a retirement calculator to see how much you should be saving each month to accrue that amount.

Apps for those seeking help with addiction

By Deena Bouknight More Content Now

On average, more than 130 people in the United States are dying daily due to opioids, according to the CDC and the state of Ohio, which embarked on the Opioid Technology Challenge two years ago. The challenge called on companies, scientists, health care institutions and citizens to come up with unique ways to address the modern opioid epidemic. One idea selected was for an app developed by DynamiCare Health in Boston.

Eric Gastfriend, DynamiCare Health’s

co-founder and CEO, said the app “… includes a personal recovery coach, substance testing and incentive funds.”

Already, at least seven treatment facilities in the U.S. are using the app, Gastfriend said.

Through the mobile app, DynamiCare facilitates testing, medical support, scheduling and more. Patients using the app have the opportunity to schedule their breath or saliva tests and then self-administer and submit through the app via a video chat feature. The app also keeps track of appointments and records. Users are “rewarded” on a smart debit card for keeping their

medical or mental-health appointments and for achieving set milestones.

“So often, we punish people with substance use disorders for doing the wrong thing,” explained Gastfriend.

“DynamiCare [app] rewards them for doing the right thing. That positive reinforcement and encouragement can really make a huge difference.”

A 2014 on substance-abuse treatment published in the American Journal of Psychiatry found that “Internet-delivered interventions … have the potential to expand access and improve addiction treatment outcomes …”

Other addiction recovery apps

available include these suggested by rehabs.com: 1. Pear reSET 2. Sober Grid 3. Nomo – Sobriety Clocks 4. SoberTool 5. WEconnect 6. rTribe Recovery apps currently available offer various help aids and formats for all types of addictions. Evaluating each one’s idiosyncrasies, accountability level and financial responsibility (if not free) enables potential users to determine the right app for their circumstances.

TIME & MONEY SPECIFICATIONS This six-page four-color broadsheet section with pages on Tech & Media, Shopping & Saving, Health & Fitness, Home and Personal Finance.

Pages can be used independently of one another.

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TECH&MEDIA

Robots in the classroom Could bots replace tutors, teachers?

On top of the RoboMaster S1 is a firstperson-view camera that streams a live feed to a RoboMaster app.

By Deena Bouknight More Content Now

I

n “Social Robots for Education,” a study published last August in Science Robotics, the abstract conveyed: “Social robots can be used in education as tutors or peer learners.

They have been shown to be effective at increasing cognitive and affective outcomes and have achieved outcomes similar to those of human tutoring on restricted tasks. This is largely because of their physical presence, which traditional learning technologies lack.”

The study indicated a few reasons why educational robots are emerging as a teaching trend:

By Matthew Girard More Content Now

Writing isn’t one of the easiest skills to master, but in almost all walks of life, it’s one of the most essential. Whether you are suffering from writer’s block or just looking to spice up your office emails, here are some podcasts to listen to on becoming a better writer.

THE WRITER FILES

• Shrinking school budgets • Growing numbers of students per classroom • Demand for greater personalization of curricula for children with diverse needs

Instead of just seating students in front of a computer screen with software to teach them, overwhelmed teachers have options for a more interactive educational experience via robots. “Robots are a natural choice when the material to be taught requires direct physical manipulation of the world.

For example, tutoring physical skills, such as handwriting or basketball free throws,” the study expressed.

But, don’t expect Siri or Alexa to take over for Mrs. Jones right away.

“Although robot tutors can operate autonomously in restricted contexts, fully autonomous social tutoring behavior in unconstrained environments remains elusive,” the study said.

“Although automatic speech recognition and social signal processing have improved in recent years, ... speech recognition for younger users, for example, is still insufficiently robust for most interactions.”

Robots are already used for science, technology, engineering and math — or STEM — education.

“More and more educational robots are being developed because they’ve been largely

MOVIE PREVIEW IN HAIKU OPEN FRIDAY, OCT. 4

The robot’s maker, DJI, offers “Road to Mastery” classes, a project-based series that educates users on coding. And there is a “RoboAcademy” which offers tutorials on robotics and programming. [DJI PHOTOS]

effective in teaching users the fundamentals of robotics along with other topics, including computer programming, artificial intelligence and engineering, in a hands-on, engaging way,” said Maria Jung, product public relations manager at DJI, developers of the RoboMaster S1 educational robot.

She said the RoboMaster S1 was created with the intention of benefitting primarily middle- to high school students’

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learning, both inside and outside of the classroom. It helps kids become familiar with the basics of robotics through simple controls, a dedicated app, access to various tutorials and more.

“The main functions of an educational robot are to provide an opportunity to see lessons come to life, educate users in an engaging way and provide a continuous stream of learning with new content,” she added.

This 15-minute podcast provides quick tips by writers for writers. Focusing on writing techniques, hosts Margaret Dunlap, Mahtab Narsimhan, Mary Robinette Kowal, Brandon Sanderson, Howard Tayler and Dan Wells hope to help writers who write for fun or for profit. Recent episodes include “Outlandish Impossibilities,” “Languages and Naming” and “What You Leave Out.” Find it: writingexcuses.com

I SHOULD BE WRITING Hosted by Hugo award-winning author Mur Lafferty, this podcast focuses on writers going from amateurs to professionals and the road blocks a writer can find along the way. Lafferty interviews a wide range of authors about new books and provides encouragement to would-be writers. Recent episodes include “How Many Agents?,” “Why Be Mean to Characters?” and “Opinions that Matter.”

Find it: murverse.com

ON DEMAND: Hulu, Netflix, Amazon Prime Hulu

Bulldog Courage (1935)

Hi De Ho (1947)

Saturday Night Fever (1977)

American Dad!: Season 13

Buried Alive (1990)

High Noon (1952)

Setup (2011)

America’s Funniest Home Videos: Season 30

Chained for Life (1952)

Hollywood My Home Town (1965)

Stargate (1994)

Bless the Harts

Chi to suna no kettô / Duel of Blood and Sand (1963)

Bob’s Burgers: Season 10

Cloverfield (2008)

Insomnia (2002)

Family Guy: Season 10

Cowboy and the Señorita (1944)

Kalifornia (1993)

Hunting (2015)

Tales from the Darkside: The Movie (1990) The Adventures of Buckaroo Banzai Across the 8th Dimension (1990)

Darkness Falls (2003)

Kicking and Screaming (1995)

Daughter of the Tong (1939)

Legally Blonde (2001)

The Rookie: Season 2

Days of Thunder (1990)

The Simpsons: Season 31

Dead Heat (1988)

Mad Max 2: The Road Warrior (1981)

Netflix

Diana Vreeland: The Eye Has to Travel (2011)

Gotham (Season 5)

Dreamcatcher (2003)

Mo Gilligan: Momentum (Original)

Dreaming Out Loud (1940)

Vagabond (Original)

Event Horizon (1997)

Amazon Prime

Face Off (1997)

Naked Gun 33 1/ 3: The Final Insult (1994)

Forces of Nature (1999)

No Way Out (1987)

Trading Mom (1994)

Get Shorty (1995)

Permanent Midnight (1998)

True Colors (1991)

Ghost Town (2008)

Platoon (1986)

True Grit (2010)

Teen Spirit

Starring: Joaquin Phoenix, Robert De Niro, Marc Maron

A WAY WITH WORDS

WRITING EXCUSES

Shark Tank: Season 11

IMDB.COM

Host Kelton Reid tries to dive deep into the habits, habitats and brains of renowned writers to gain access to their productivity and creativity.

Reid interviews authors from a broad spectrum. Recent episodes include “How to Write Impactful Historical Fiction with Award-Winning Author Talia Carner,” “Secrets for Beating Writer’s Block with TV Writer & Comedian Jorjeana Marie” and “How NY Times Bestselling Memoirist Lisa Brennan-Jobs Writes.”

Find it: writerfiles.libsyn.com/

This podcast focuses on language while being examined through the lens of history, culture and family. The hourlong podcast features storytelling with plenty of detail, hosted by Martha Barnette and Grant Barrett. Recent episodes include “Loaded For Bear,” “All Verklempt” and “Hunk Waffle.”

Find it: waywordradio.org

Primal Fear

‘Joker’

The Writer Files and the best writing podcasts

Air Force One (1997)

Election (1999)

Mad Max Beyond Thunderdome (1985) Matriarch (2018) Mousehunt (1997) Much Ado About Nothing (2012)

The Cotton Club (1984) The Deadly Companions (1961) The Klansman (1974) The Life of David Gale (2003) The Naked Gun 2½: The Smell of Fear (1991) The Naked Gun: From the Files of Police Squad! (1988) The Talented Mr. Ripley (1999) Total Recall (1990)

Directed by: Todd Phillips (“Old School,” “The Hangover”)

American Horror Story: Apocalypse A Night at the Roxbury (1998)

Ghost World (2001)

Platoon 4K (1986)

Rated: R

Varsity Blues (1999)

Be Cool (2005)

Gothika (2003)

Play It Again, Sam (1972)

We Die Young (2019)

Joker’s origins Explained: Failed comedian, Madman, mastermind

Behave Yourself (1951)

Harlem Nights (1989)

Project Nim (2011)

What Lies Beneath (2000)

Big Top Pee-wee (1988)

Hearts in Bondage (1936)

Rango (2011)

Witness (1985)

Bolden (2019)

Here’s Flash Casey (1938)

Regression (2015)

You’ve Got Mail (1998)

Know what you’re in for with ‘buy now, pay later’ plans

By Courtney Jespersen NerdWallet.com

BIGSTOCK

The best time to

buy a mattress

By Courntey Jespersen NerdWallet.com

T

here’s a lot to consider when buying a mattress — beginning with size, comfort and price. Some of the best times to buy a mattress:

mattress is nearing the end of its life.

Your body can also help you determine when it’s time to get a new one. For example, Tramonte says you may not notice your current mattress is lacking comfort until after you go on vacation and sleep on a different mattress.

When: March or April

Buying tips

By this time, new mattress models will typically be in stores, according to Scott Paladini, CEO and founder of Bear Mattress, an online mattress company. As new mattresses arrive, shoppers can save money by opting for an older model or a floor sample straight from the showroom floor.

A floor model could save you as much as 50% off the price, according to Julie Tramonte, a sleep advocate for Verlo Mattress, which sells online and in stores. She recommends asking a manager when the store plans to turn over its inventory, as timing can vary. Keep in mind that floor models have likely been tested out by other shoppers.

Look online. Online retailers such as Bear Mattress, Snuz and Lull offer convenience and ship their mattresses to you in a compact box. Aside from the novelty, online prices can be competitive. This can also give you leverage if you decide to shop at a store, says John Garcia, marketing director at Snuz.

Test it out. Before you pick one, sleep on it. Many sellers offer a trial period. If you take a mattress home and decide to return it within a certain window (sometimes 100 to 120 nights), you’ll get a refund. That’s especially helpful if you buy from an online seller and haven’t felt the mattress first.

Get a guarantee. Look for a retailer that will guarantee its price, Putnam says. Some sellers will refund you the difference if the mattress you bought goes on sale within a given period after your purchase. At Mattress Firm, the 120-night price-guarantee window means you’ll likely be able to capitalize on the pricing from at least one major sale period.

Negotiate. Paladini says shoppers can negotiate. If you can’t get a retailer to come down in price, they may be willing to throw in a free pillow or accessory to make it worth your while.

When: Presidents Day, Memorial Day, Fourth of July, Labor Day, Black Friday You can find deals throughout the year, but holidays offer widespread sales, says Jody Putnam, a divisional president at Mattress Firm, which sells online and in stores.

Paladini estimates shoppers can save from 10% to 20% if they buy a mattress during a holiday promotion.

When: Your current mattress is 7 to 10 years old

Pay attention to price, not percentage off. A 50% off sale isn’t necessarily better

“I think you should buy a mattress when you need to buy a mattress,” says Leo Echeverria, the COO of Snuz, a memory foam mattress that’s sold online. The general consensus among the experts? A 10-year-old

than a 10% off deal, especially if the former mattress was substantially more expensive to begin with. It’s best to look at both the original and final price of the mattress, not just the percentage of the discount, Tramonte says.

At Lamps.com, you can purchase a modern chrome floor lamp for $178.95. Underneath the price, there’s an alternative. Instead of paying $178.95 now, you can choose to pay in four interest-free slices of $44.74 — one upfront and the rest every two weeks.

This doesn’t affect the cost of the lamp, but it spreads out the expense — something that could make sense in certain circumstances, but not if you’re using it to buy something you don’t need or can’t really afford.

The concept is known as buy now, pay later.

Shoppers who choose this option at checkout receive a product right away, but pay for it in installments.

It’s essentially layaway, but you get the product upfront, says Arnie Cabiles, a certified financial planner and owner of Achievable Wealth LLC. Buy now, pay later can be a useful option if you don’t have a credit card or don’t want to put a large balance on your card, but it is a form of debt, so it’s important to be realistic about your ability to pay it off.

Here’s what to consider when weighing a buy now, pay later purchase.

What you’re buying Buying now and paying later could be helpful in several situations: if you want a high-demand product before it sells out, if you’d like to purchase a holiday gift at a good price, or if you need to spread out the cost of an item so it doesn’t hit your wallet all at once.

“If you don’t want to use a lot of your cash all at once upfront, it helps keep your checking account balance steady or at the level that you want without depleting it,” certified financial planner Helen Ngo, CEO at Capital Benchmark Partners, said in an email.

How much you’re paying Buy now, pay later arrangements are laid out so you’ll know how much you’ll be paying and how frequently. But don’t let the appearance of a low payment cause you to spend more than you bargained for.

“You may end up buying many items with smaller monthly payments, but it can add up if you aren’t cognizant of the total you’re racking up,” Ngo says.

You could face late fees if you don’t make your agreed payments on time, Cabiles points out. Some platforms will automatically charge your debit or credit card when a payment is due, and if you’re using a credit card, you could incur interest charges if you carry a balance. Buy now, pay later may require a credit check. Always read the fine print so you know exactly what you’re getting into.

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SH OPPING &SAVING

Why you’re doing it Savvy consumers might opt for a buy now, pay later option if they’re certain they’ll be able to pay for an item soon, perhaps due to an expected windfall of extra cash.

Hold yourself accountable by thinking of the installment payments as another monthly bill. Plan ahead to ensure you’ll have enough money to make your payments on time, much as you would for your rent or utilities.

Keep in mind that you’ll potentially be paying off your purchase for weeks or months, so you don’t want an emergency expense to clear out the money you originally set aside for the installment payments.

As with any of life’s purchases, live within your means. And if you don’t think you’re disciplined enough to pay in installments, save up for a purchase and pay for it in cash, says Steve Sivak, CFP, founder of Innovate Wealth.

The ammo you need when buying a car Know the numbers before you negotiate

By Philip Reed NerdWallet.com

Car dealers have a saying, “Sticker is quicker,” which basically means you should pay the sticker price and skip the hassle of negotiating.

But car buyers have their own saying: “Never pay retail.” In other words, if you don’t negotiate for your lowest price, you’re a wimp.

These attitudes set up a battleground of tension for anyone buying a car, but it doesn’t have to be that way. With some targeted research, car buyers can confidently negotiate based on real pricing data, and most dealers will recognize a fair offer.

Tricky sales phrases If they don’t check the numbers first, most car buyers don’t know what a good deal is. That’s because there are so many moving parts, such as financing, trade-in value and various tacked-on bogus and legitimate fees.

Car dealers exploit this lack of knowledge and have a variety of little phrases to feed the egos of their customers as they try to fleece them.

A favorite is, “We’re not making a penny on this deal!”

These phrases work with many people. I’ve had friends who just

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bought a car tell me, “You know, I did so well negotiating, the dealer said I should get a job selling cars.”

This is all just part of the psychology of sales. Yes, there are numbers, too, the real dollars the buyer pays, as well as the profit the dealership makes. And let’s be fair — the dealership deserves to make money, and the salesperson deserves a commission.

Still, most car buyers simply want to know that they got a fair price. The dealer, on the other hand, wants maximum profit.

So how do these two parties avoid confrontation and meet in a way that serves them both?

Often, I read advice about car-buying that says, “Do your homework.” I don’t know about you, but I always hated doing homework.

I like this advice: “An hour of research could save you $2,000.”

Actually, I’m underestimating the amount. Here’s a quick example.

Let’s say a couple is on their way to a movie theater when a new car catches their eye on a car lot. “Let’s just stop in and take a quick look,” they say.

An hour later, the movie is forgotten and the couple is in a sales office.

They’re blindly trying to negotiate the price of their trade-in, their new car monthly payment and the interest rate. Let’s say they’re given $1,000 under market value for their trade-in, are looking at paying $100 a month too much on the car payment and are planning to finance it for 72 months, which would mean paying $700 more than they should in interest over the life of the loan.

But they don’t know they are getting ripped off. Instead, the salesperson assures them: “You’re really beating us up — we’re not going to make a penny on this deal.”

Now, rewind this scenario. This time, the couple spots the new car

but proceeds to the movie as planned.

Later, they check online pricing sites to see what the car is selling for, which is their target price. Then, they look up the value of their trade-in and the interest rate their credit score will get them.

Next, they put all of this data into an auto loan payment calculator and get a reasonable monthly payment.

Later, they shop their offer at several places and make a deal at or below their target price — all because their research showed them how to spot a good deal.

Knowledge is power I’ve spent the past 20 years writing about the psychology of car buying, deciphering the numbers behind car deals and studying the attitudes of buyers. This experience has impressed one thing on me: A little research will save you a ton of money. It’s just another way of saying, “knowledge is power.”

You might be wondering about all the other parts of negotiating you’ve been told are important: the play-acting, table-pounding and staring contests.

Forget all that for the moment; instead, look at it this way: Simply knowing the numbers behind the deal will make you a good negotiator.

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HEALTH&FITNESS

How to keep your cholesterol in check

By Deena Bouknight More Content Now

Find help to

QUIT VAPING and smoking

• Eat more soluble fiber, found in oatmeal and oat bran, apples, citrus fruits, beans, peas, lentils and barley.

• Reduce consumption of saturated fats, such as dairy products and fatty or processed meats.

By Deena Bouknight

Y

More Content Now

ale Medicine in early September shared what it deemed a “startling” statistic: More than 3.6 million middle- and highschool students currently use e-cigarettes. The report explained vaping — to inhale vapor created from a liquid heated up inside a device — and pointed to the Centers for Disease Control and Prevention’s current warnings regarding health risks: “Federal and state officials have reported hundreds of total possible cases of pulmonary disease and several deaths that may be related to vaping. Patients’ symptoms ranged from cough, chest pain and shortness of breath to fatigue, vomiting, diarrhea and fever.”

Thomas Ylioja, Ph.D., tobacco cessation expert at National Jewish Health, asserted that the “long steady decline” in youth addiction to nicotine, primarily from traditional cigarette smoking, has essentially been undone.

“Now we’re seeing a rapid rise in teens, especially, using nicotine products, mostly through e-cigarettes. Social media advertising is appealing to kids because of the fruity and sweet flavors,” he said. “And because teens’

The Centers for Disease Control and Prevention says that more than 102 million American adults have total cholesterol levels at or above 200 mg/dL, which is above healthy levels.

“More than 35 million of these people have levels of 240 mg/ dL or higher, which puts them at high risk for heart disease,” warned CDC. While cholesterol is a waxy, fat-like substance naturally found in the human body, as well as many foods, too much builds up as deposits in arteries and can result in heart disease and stroke.

Dr. Laxmi Mehta, director of preventative cardiology and women’s cardiovascular health at The Ohio State University Wexner Medical Center, said she tells both men and women: “Eat a healthy diet,” specifically:

• Avoid trans fats, such as in fast food, frozen pizza and processed snack foods.

• Eat foods rich in omega3s, like fish, chia seeds and edamame.

• Make sure to eat enough whole fruits and vegetables.

• Read food labels.

• Exercise.

Vaping additives on a store shelf in July 2019 . [BIGSTOCK IMAGES]

brains develop at a high rate, it can form around the need for nicotine, so it becomes more difficult when they try to stop.”

Yet, as Yale Medicine explained, some e-cigarette companies use vape liquid made from nicotine salts, instead of the traditional free-base nicotine found in most e-cigarette liquid, then mask the flavor of the high concentrations of nicotine with those of mango, strawberry, mint and more.

To combat rising addiction rates, Ylioja established the “My Life, My Quit” program, which includes real-time online coaching by highly trained individuals who will develop personalized support and help for building a plan to become free from nicotine.

Also, 1-800-QUIT-NOW is a toll-free number operated

by the National Cancer Institute that connects callers to their state’s tobacco cessation services, of which “My Life, My Quit” is involved, and callers are directed in several states to the program’s specific number, which is 855-891-9989.

“The program addresses the three A’s: avoid, adjust, alternatives,” said Ylioja.

“Avoid triggers (stress, peer pressure), adjust routine (sports or job versus gaming), and find alternatives (chewing gum).”

Ylioja echoes Yale Medicine’s and CDC’s concerns, pointing out, “We’re in a nicotine addiction epidemic, and nicotine impacts learning, memory, concentration, mood and more. The more people who can stop using, the better off their health will be.”

“Adults should exercise most days of the week. And according to current cholesterol guidelines, aerobic exercises are important at least three to four times a week for an average of 40 minutes each time,” Mehta said.

Weight control is imperative.

“If overweight or obese, lose weight. If the right weight, avoid gaining,” she said.

A major cholesterol culprit, according to Mehta, is sugar: “Look at the sugar content of foods. Often high cholesterol in a patient is the result of too much alcohol, coffee drinks, sodas and juices in a diet.”

Because high cholesterol levels do not convey symptoms until health risks are severe, CDC touts the importance of regular cholesterol checks: “… doctors can do a simple blood test to check your cholesterol.

High cholesterol can be controlled through lifestyle changes or, if it is not enough, through medications.”

Reasons you could be losing your hair

By Deena Bouknight

Thinning hair often comes with aging. However, in some cases thinning hair is linked with diet, nutrient deficiencies and heredity, as well as emotional issues and stressors, according to medicalnewstoday.com in May. Serious concerns about hair loss should be addressed by a physician.

While the American Academy of Dermatology informs that individuals average 50 to 100 hairs lost per day, hair is also re-growing daily. Yet, aging adults’ hair follicles gradually stop producing

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new hair. Significant thinning, bald patches and clumps of hair lost may mean that the scalp could benefit from a prescription or over-the-counter

treatment or a home remedy. For example: • Minoxidil is a prescription drug product that can be applied directly to the areas of thinning hair. It

takes 6 to 12 months for hair growth to improve, and individuals taking minoxidil will have to keep taking it permanently to avoid hair loss. Side effects may include contact dermatitis, skin irritation and excessive hair growth.

• Finasteride is another prescription drug, this one taken by mouth. It’s specifically for men who have already tried minoxidil without success, explained medicalnewstoday.com. Side effects could include erectile dysfunction, decreased libido and gynecomastia, or growth of breast tissue.

• Vitamin D stimulates the hair follicles, resulting in hair growth.

• Peppermint, rosemary, cedarwood, lavender, tulsi and thyme oils may boost hair growth when added to a carrier oil such as coconut or jojoba, then massaged into the scalp.

• Foods such as eggs, walnuts, fatty fish and Brazil nuts provide nutrients, such as omega-3s and B vitamins, that are beneficial for hair growth.

Just diminishing stress may also halt hair loss and/ or cause hair re-growth.

Medicalnewstoday.com suggested acupuncture, hypnotherapy and psychotherapy as ways to decrease and eliminate overwhelming stress and anxiety.

H E R E , T RY T H I S

Homemade apple cider doughnuts

By Rachel Forrest More Content Now

A

n old-school pairing during fall is apple cider and doughnuts.

I read a lot about the origin of the cider doughnut and found all sorts of stories, including one from “King Arthur Flour Baker’s Companion” cookbook that says when fried dough recipes came across the ocean from Holland (olykoeks, or oily cakes) and France (beignets) in the Colonial era, the Colonists adapted them during butchering season when there was fat for frying.

That season was autumn, when there were also plenty of apples and apple cider.

Cake doughnuts made with baking soda or powder instead of yeast abounded.

How the cider actually got into the doughnut is not recorded, but I imagine an “aha” or “what if” moment when some creative cook saw both together.

Cider in the mix gives the doughnuts a lightly sweet flavor but also a tender texture. Of course, you don’t have to use animal fat when frying them — although I’ve had some made with duck

fat and they’re very tasty.

Lard is good, too, because it crisps up the outside nicely.

If you’re avoiding animal fats, use vegetable oils like safflower. Of course, you can also bake them, which is a more healthful technique than deep frying.

Basic Baked Apple Cider Doughnuts with Maple or Apple Cider Glaze Makes: 1 dozen FOR THE DOUGHNUTS: • 1 1/4 cups granulated sugar • 1 cup unsweetened applesauce • 1/3 cup vegetable oil • 3 large eggs • 1/4 cup boiled apple cider • 1 1/2 teaspoons vanilla • 1 1/2 teaspoons baking powder • 1 teaspoon ground cinnamon • 1 teaspoon salt • 2 cups all-purpose flour • 2 tablespoons cinnamon sugar, for coating FOR THE GLAZE: • 1 1/2 cups powdered sugar • 3 tablespoons maple syrup • 2 teaspoons milk or 1 tablespoon heavy cream

• Pinch salt Heat the oven to 350 degrees. Lightly grease two standard doughnut pans.

In a large bowl, beat together the sugar, applesauce, oil, eggs, boiled cider, vanilla, baking powder, cinnamon and salt until smooth.

Add the flour, stirring just until smooth. Fill the wells of the doughnut pans nearly to the rim, using about a 1/4 cup of batter per doughnut.

Bake until a cake tester inserted into the center of the doughnuts comes out clean, 15 to 18 minutes.

Remove the doughnuts from the oven and loosen the edges. After 5 minutes, transfer them to a rack.

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H OME

While the doughnuts are still warm, gently shake them in a bag with the cinnamon sugar, two at a time. Cool completely before glazing.

To make the glaze: In a medium bowl, whisk together all of the ingredients until smooth. Spread the glaze over the doughnuts. Let the glaze set before serving.

BIGSTOCK

GOOD TIP!

NIFTY NEW PRODUCT

Southern Kitchen

Alternatives to durum wheat pasta can be found all over the supermarket these days. You can find extruded pastas made from brown rice or quinoa mingling among the Barilla, as well as vegetables of various colors and textures spiralized into “noodles.”

However, before tools and science came into play, there was one pasta substitute to rule them all: the humble spaghetti squash. When properly prepared, this gourd can hit all the comforting notes of dried pasta without weighing you down with a mountain of carbohydrates.

First, while not similar in mouthfeel to pasta, cooked spaghetti squash can still be extracted in long strands, in a way that mimics a spaghetti or angel hair pasta.

Here’s how we cook it: • Cut the squash in half lengthwise, remove the seeds, brush the inside with olive oil and season with salt and pepper.

• Place in a baking dish cut side down and pour about a half inch of water into the pan.

• Pop in a hot, 400-degree oven, and let ‘er roast until the outer skin begins to feel tender and gives under the pressure of your fingers.

• Remove from the oven and use the

tines of a fork to scrape out the flesh into a bowl.

There is a window of time during the cooking process that yields tender yet “al dente” spaghetti squash. Leave it in the oven too long and the squash becomes mushy. Granted, it’s still perfectly edible at that point; but if you let it cook ’til mushy, you’ll lose some of the illusion that you’re eating “spaghetti.”

Next, because spaghetti squash is less sweet than most of its autumnal cousins — butternut and acorn squash, for example — it tends to be more of a harmonizing voice in savory dishes. Spaghetti squash can stand up as a hearty landing pad for meatballs in tomato sauce, whereas those classic Italian flavors would be much more dissonant with butternut squash. The stringy squash shines when tossed with a zippy pesto or a bright vinaigrette in an updated pasta salad.

For an unbelievable symphony of flavors, try using spaghetti squash as the base for one of Rome’s most popular pasta dishes: spaghetti carbonara. Smoky bacon, salty Pecorino Romano cheese and rich egg yolk form a sauce that clings to the cooked squash much the same way it would a pasta noodle. Since the dish’s name reflects its popularity among Italian charcoal workers, don’t skimp on the black pepper.

WILLIAMS SONOMA

How to use spaghetti squash

By Jeffrey Gardner

Festive cookie stamps Fall Impression Cookie Stamps from Williams Sonoma are offered in a set of four for $19.95. The colorful and attractive stamps include detailed autumn-themed images: a pumpkin, sunflower, maple leaf and acorn. Round knobs make them easy to hold and press with precision. Users simply roll out homemade or store-bought cookie dough, press in the preferred stamp, and place the cutout images onto a cookie sheet for baking.

The stamps are made of BPA-free plastic and should be handwashed. Each stamp is 2 3/4 by 3 1/2 inches in diameter and 1-inch high. Williams Sonoma also has a set of four Halloween cookie stamps — with a ghost, spider web, mummy and “Boo!” — as well as a set of four Sugar Skull Cookie Punches for Day of the Dead, each also $19.99 at williams-sonoma.com.

By Deena Bouknight, More Content Now

Types of home loans all buyers should know

By Beth Buczynski NerdWallet.com

Conventional loans are a popular mortgage option, even for first-time home buyers. But it may surprise you to learn there’s more than one type.

A conventional loan is any type of home loan that isn’t insured or guaranteed through a government agency. Many conventional loans conform to government-set loan limits as well as income and credit score minimums. Conventional loans often cost less than government-backed mortgages such as FHA loans, but qualification requirements are more difficult to satisfy.

Common types:

1. Conforming

If a conventional loan is less than the maximum loan amount set by the Federal Housing Finance Agency and meets

additional loan standards set

by Fannie Mae or Freddie Mac, it’s called a conforming loan.

Because Fannie and Freddie are government-sponsored enterprises, you may also hear conforming loans referred to as “GSE loans.”

2. Nonconforming

If a conventional loan exceeds FHFA loan limits or uses underwriting standards that are different from those set by Fannie Mae and Freddie Mac, it’s a nonconforming loan.

A jumbo loan is a common type.

You may need a jumbo loan to finance more than $484,350 in most U.S. counties.

3. Fixed-rate

Whether they’re conforming or nonconforming, all mortgages require you to pay interest. With a fixed-rate conventional loan, the interest rate stays the same for as

long as you have the mortgage.

Many buyers choose a 30-year fixed-rate conventional loan because it usually results in an affordable monthly payment, but shorter terms are available.

4. Adjustable-rate

The alternative to a fixed-rate mortgage is an adjustable-rate mortgage, or ARM. Conventional loans with adjustable rates, also known as hybrid ARMs, have rates that may go up or down over time. ARM rates usually adjust annually, after an initial fixed-rate period of three, five, seven or 10 years.

5. Low-down-payment

There was a time when getting a conventional loan required a 20% down payment.

Because borrowers who meet this requirement only have to finance 80% of the home’s value, it’s often referred to as an “80/20 conventional loan.”

But conventional loan down payment requirements have since become more flexible.

• 3% DOWN: Home Ready and Home Possible are conventional mortgage options that allow down payments as low as 3% — sometimes referred to as “3 down conventional loans.” If you qualify, you’ll need to finance the other 97%. That’s why you also may hear them referred to as “conventional 97 loans.”

• 5% DOWN: Borrowers with lower credit scores might be required to make a down payment of 5% or more to get a conventional loan, meaning they’d need to finance 95% of the home’s value. This is sometimes referred to as a “5 down conventional loan” or a “conventional 95 mortgage.”

• ZERO DOWN?: If you’re wondering “Can I get 100% conventional loan financing?,” the answer is yes, but

it may be hard to find. Some lenders — often credit unions — offer in-house, nonconforming conventional mortgage programs that feature 100% financing, but special qualification requirements often apply.

Be aware that these mortgages are risky: It will take you longer to build equity than someone who makes a down payment, and you’ll pay more interest as a result.

6. Renovation

It can be hard to find the perfect house in your budget.

Buying a fixer-upper is one way to achieve home ownership when prices are high or movein-ready inventory is low.

The CHOICERenovation loan and HomeStyle loan are two types of conventional mortgages that allow you to finance a home purchase, as well as the necessary renovations, at the same time.

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TIME & MONEY

PERS ONAL FINANCE

Decode your credit card’s fine print BIGSTOCK

By Melissa Lambarena NerdWallet.com

S

ifting through a credit card’s terms and conditions can be daunting. The language isn’t always straightforward, and it’s not uncommon to feel lost.

Two-thirds of consumers report fully understanding credit cards’ rewards offerings, according to J.D. Power’s 2019 Credit Card Satisfaction Study.

Yet cardholder satisfaction with issuers’ explanation of terms scored low in comparison to other card features and services.

The more you understand your card, the better financial decisions you’ll make.

“I’m big on calling the company and asking them to walk me through it,” says Jamila Souffrant, creator of Journey to Launch, a personal finance blog and podcast.

You can understand the long-term expenses of carrying a credit card by reviewing the card agreement that comes with it. Identify every potential charge and stay organized.

“Have all the material laid out in front of you, pull out your highlighter, and identify the key pieces of information that you need to be aware of — the interest rate, any fees, conditions, things of that nature,” says Yusuf Abugideiri, a certified financial planner at Yeske Buie, a financial planning firm.

Start with the “Schum-er box,” a hard-to-miss table on the first page of your card agreement that lists fees and interest rates, including:

•

Annual percentage rates: Your “standard variable APR for purchases” is the interest owed for purchases when you carry a balance. Your APR will vary based on the card and your creditworthiness, but the average APR in the

second quarter of 2019 for credit card accounts that incurred interest was 17.14%. You can avoid interest charges by paying your bill in full monthly.

Note that some cards have different APRs for things like balance transfers and cash advances.

• Interest-free introductory offers:

Some cards feature a 0% intro APR offer that can help you finance a large purchase interest-free for a period of time, or help you pay down an existing balance faster by moving it to the card. Note that this is different from a deferred interest offer. In these cases, “interest is actually accruing and if you don’t pay the entire balance off before [the promotional period expires], you’re going to get socked retroactively with all of that interest,” says Chi Chi Wu, staff attorney at the National Consumer Law Center. Make a note of the expiration date.

•

Annual fees: Annual fees are typical on rewards cards or cards for those with poor credit (typically credit scores of 629 or below). For rewards cards, Souffrant says she looks for perks that can offset the fee. Cards designed for poor credit usually don’t offer rewards.

A better choice might be a no-annualfee secured credit card. These require a cash deposit upfront, typically a few hundred dollars, which becomes your credit limit. You get the money back when you graduate to an unsecured card or close the account in good standing.

•

Other fees: Look for fees on things like cash advances, balance transfers or late payments. You can avoid some of these fairly easily, but others may be inevitable, depending on your habits.

For example, if your card carries a foreign transaction fee, you’ll be charged each time you use it overseas.

What is portfolio management?

By Dayana Yochim NerdWallet.com

Your retirement accounts, those shares of stock your great uncle left you and the cash you’ve set aside to dabble in the market — broadly speaking, this is your portfolio.

Portfolio management — done on your own or by a professional manager or an automated investing service — means coming up with and executing a cohesive investing strategy based on your goals, timeline and stomach for risk. Or, in more by-the-book terms, portfolio management is the process of picking the type and mix of assets (stocks, bonds, etc.) to achieve a specific investment goal. A portfolio manager sets an investing strategy based on a client’s financial needs and risk tolerance, and provides ongoing portfolio oversight, adjusting holdings when needed.

The process Portfolio management decisions are guided by three main factors: goals, timeline and risk tolerance.

• Your goals — retirement, a home renovation, a child’s education or family vacation — determine how much you need to save and what investing strategy is most appropriate to achieve them.

• When do you need the money you’re investing, and is that date set in stone or flexible? Your timeline helps inform how aggressive or conservative your investing strategy needs to be. Most investment goals can be mapped to short-, intermediate- and long-term time horizons, loosely defined as three years, three to 10 years and 10 or more years.

• An investor’s willingness to accept risk is another key driver behind diversification decisions, or the mix of assets you hold in your portfolio. The goal is to strike the right risk-reward balance, picking investments that will help you achieve your goals but not keep you up at night with worry.

Other aspects Portfolio management isn’t solely about building and managing an

investment portfolio. It also involves: • Choosing the type of investment account to hold your assets. The decision between taxable accounts and tax-advantaged ones (typically retirement accounts like IRAs and 401(k)s) can have both near-term and long-term tax implications.

• Rebalancing, the act of buying and selling investments within the portfolio.

Portfolio managers do this to maintain the target allocation originally set for the investment strategy.

• Tax minimization strategies to offset or lower an investor’s exposure to current and future taxes, which can make or break an investor’s returns.

Types Two main portfolio management strategies are active and passive management.

• Active portfolio managers charge investors a percentage of the assets they manage for you. Their goal is to outperform an investment benchmark (or stock market index). However, investment returns are hurt by high portfolio management fees — clients pay 1% of their balance or more per year to cover advisory fees, which is why more affordable passive portfolio management services have become popular.

• Passive portfolio management involves choosing a group of investments that track a broad stock market index. The goal is to mirror the returns of the market (or a specific portion of it) over time.

Like traditional portfolio managers, automated investing services — often called robo-advisors — allow you to set your parameters (goals, time horizon and risk tolerance).

Then a computer algorithm sets the portfolio allocation and automatically rebalances when necessary.

These services also charge a percentage of assets managed, but because there is little need for active hands-on investment management, that cost is a fraction of a percent in management fees (generally between 0.25% and 0.5%).

Limited protections with store credit cards

By Kimberly Palmer NerdWallet.com

Few things can make consumers angrier than getting charged for items they didn’t buy, never received or aren’t happy with.

If a product is charged to a credit card running on a network like Visa or Mastercard, you have a range of options for getting your money back. If you used a store card, though, you may have fewer protections.

What the law says The 1974 Fair Credit Billing Act requires card issuers to follow dispute procedures for billing errors, such as for an unauthorized payment or charges in the wrong amount.

The FCBA also has protections for when consumers are dissatisfied with the quality of the goods and services they bought. Card payment networks, like Visa and Mastercard, outline additional consumer protections that can

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make it even easier to contest charges and get them reversed.

Not all credit cards, though, fall under those networks, and as a result, they sometimes leave consumers less protected. Store credit cards that can only be used at that merchant — also known as closedloop cards — don’t have the backing of a card network.

While they must still follow the requirements of the Fair Credit Billing Act, those requirements are less comprehensive than what the major card networks typically offer, which is a technicality consumers may not realize when they sign up for a store card.

Limits on fighting charges Consider Pottery Barn’s credit card, a closed-loop card issued by Comenity Bank. The terms of the card specify that if you are dissatisfied with the goods or services purchased on the card and you have already tried to fix the problem with the merchant directly, then “you may have the right not

to pay the remaining amount due on the purchase.” But that right comes with limits, including that the purchase must have been made either in your home state or within 100 miles of your current mailing address.

While that restriction comes directly from the language in the 1974 law, it can sound somewhat outdated today, with e-commerce making it just as easy to make purchases 3,000 miles away as down the street.

A review by NerdWallet found that geographic restriction also in the terms and conditions of several other closed-loop store cards, including the My Best Buy Credit Card issued by Citibank and The Home Depot Consumer Credit Card, also issued by Citibank.

Visa, Mastercard and American Express all said that cardholders can contest charges when they aren’t satisfied with the goods and services purchased regardless of where the purchase was made.

How to protect yourself When it comes to store credit cards, consider these tips to make sure your money is protected: • Review the rules of the card, including when rewards expire and how you can dispute charges.

• If you have a problem with an item, first try customer service at the retailer. If your item wasn’t delivered or didn’t arrive as expected, you might be able to get your money back, but the first step should be contacting the retailer directly to see whether it can fix the problem.

Some cards even require that you appeal to the retailer first.

• Review your statement each month. An errant charge could be a simple mistake or the first sign of fraud. Taking a few minutes to review your monthly statement can help you catch and fix any problems quickly. Some cards come with time limits on when you can dispute charges.

• Save your receipts. It can be easier to follow up and get a resolution.

• Consider taking your complaint to the next level if you aren’t happy with how your card issuer resolved a complaint. The National Consumer Law Center recommends that you submit your complaint to the Consumer Financial Protection Bureau as well as your state’s attorney general.

A LA CARTE

A LA CARTE SPECIFICATIONS This four-page, four-color broadsheet section features three cover options with varying ad depths, and a modular design so you can make space for even more ads.

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A LA CARTE

DIY

Create S

ometimes, half the fun is doing it yourself.

AUTOMOTIVE

Sunday, July 20, 2014

n Blurb Books Take all those pictures off your phone and off your camera, and put them into one beautiful coffee-table book. This is a website often used by professional photographers because they do such a great job with their books. Price varies by the size of the book and the number of pages at Blurb.com

n Create-Your-Own

2013 Mug – Black, 16 fl Oz This is a customizable ceramic mug that comes with a glazing pen so you can draw any picture or message then let it dry and bake. Then it’ll be a permanent picture. $15 at Starbucks

n Creativity for Kids Diva Puppies Children can decorate their own bobble-head puppies with the acrylic paint (the kit comes with the paint) and sequins and flowers and ribbons. Then, he can put then to bed in the puppy bed (it all comes together in an adorable kit). $15 at Michaels

HALF-PAGE AD

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FOOD

FOOD F L A S H I N T H E PA N

B E V E RAG ES

BETTER THAN WATER? Although water is an essential element, drinks with a bit of sugar, fat or protein hydrate the body more quickly, according to new research.

Are TOFU you curious?

Researchers at Scotland’s St. Andrews University found that how well a drink hydrates the body relates to a beverage’s nutrient composition.

In the study, milk was found to be more hydrating than plain water because it contains sugar lactose, some protein and some fat, all of which help to slow the emptying of fluid from the stomach and keep hydration happening over a longer period of time.

F U N FA C T

‘GRITS BELT’ According to Mobile-Cuisine. com, threequarters of the grits sold in the U.S. are sold in the South in an area stretching from Texas to Virginia known as the “grits belt.”

Americans throw away 103 pounds of spoiled food every year, according to a recent OnePoll survey. The survey also found that the average American has about $102 worth of product in their fridge at any given time and that about $53.81 worth of spoiled food is thrown out per week (about $2,798 per year).

— More Content Now

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Serves 2 • 1 block silken tofu, kept in the package until the last minute for its own protection • 1 tablespoon cooking oil • 1 slice bacon, preferably thick (if skipping bacon, substitute an additional tablespoon of cooking oil) • 1 broccoli crown, broken into florets, stems sliced • 1 tablespoon sesame oil • 1 clove garlic, smashed • 1 garlic-clove-sized piece of ginger, sliced • 2 tablespoons oyster sauce • 2 teaspoons fish sauce • 1-2 tablespoons soy sauce, to taste • ½ teaspoon black pepper Chop the bacon crosswise into ½-inch pieces, and put them in the center of a frying pan, so all the pieces lie flat.

Open a block of silken tofu and carefully place it atop the bacon pieces, and set the pan to medium. Add the cooking oil.

Tofu is a blank slate that will conform to its surroundings. [ARI LEVAUX]

By Ari LeVaux More Content Now

T

wo miles from the Las Vegas Strip is the city’s Chinatown district. Unlike the labyrinthine Chinatowns of San Francisco or New York, this neighborhood consists of a laser-straight section of Spring Mountain Road, lined on both sides with double-decker strip malls, roughly half the flashing neon signage on Earth, and an overwhelming diversity of Asian food. The options include familiar themes like noodles, seafood or hot pot, but also an array of niche delicacies served in quirky eateries like Kapit Bahay Filipino Fast Food, Namu Shabu Bar, Spicy Crawfish, Spicy City and, my favorite, Mr. Tofu.

The playbook for cooking tofu is that it is a blank slate that will conform to its surroundings. But the downside of this chameleon-like adaptability is that if tofu is cooked with a lackluster stir-fry and left among a mess of overcooked veggies, it will taste like a lackluster mess. If you cook it with a rich sauce, your opinion might change. And if you cook it with a slice of bacon, you may well learn to love it.

Asian cooks don’t necessarily look at tofu as a meat substitute, so it’s totally normal to cook tofu and meat in the same dish. Mr. Tofu, which closed in 2006, specialized in a Korean dish called sundubu jjigae, a spicy soup built around blinding white chunks of silken tofu, aka sundubu, with choice of pork, chicken, beef or seafood, and with a half-cooked egg on top.

Silken tofu has a delicate, flan-like texture, so cooks usually add it when a dish is nearly complete, or it will disintegrate. This makes it difficult to follow the firm tofu playbook — namely, cook it long enough that it absorbs the flavors around it. But the game is the same. Instead of cutting the tofu into pieces and stirring them into the dish, simply add a whole chunk of tofu to the finished product, and use it like a condiment. As you spoon the sauce and whatnot into your mouth, make sure to include a bit of tofu. As such, it functions like a serving of plain rice or noodles that assumes the flavor of a curry when you mix them together and eat.

In sundubu jjigae, the pillowy chunks of tofu gleam in the red broth, and fall apart deliciously in your mouth with the soup.

I would tell you how to make it, but this column is for the tofu curious, and that’s an expert-level dish.

Instead, let’s get our feet wet by adding a block of tofu, or part of one, to a pot of instant ramen. If you want to invoke the history and flavors of sundubu jjigae, try to find a packet of Nongshim ramen, which comes in several spicy flavors. You can find it in any Asian store and some American supermarkets. Meanwhile, pick up a box of silken tofu. To make a cheater’s sundubu jjigae, make the ramen as directed. After adding the noodles and flavor packets, add half a block of sundubu, and perhaps an egg, to the simmering pot.

Like Las Vegas’ Chinatown, the recipe at right has flavors from other Asian cuisines.

As the bacon sizzles below the tofu, add the broccoli stem slices around the block of tofu, and let them start to cook. After 5 minutes, flip the stem slices and add the broccoli crowns around the tofu, along with 2 tablespoons of water. Cover, and cook for another 5 minutes so the broccoli steams. If the bacon starts to overcook, gently flip or roll the tofu so you can stir the bacon underneath it.

Continue to cook around the tofu, while you treat the blinding white block like a Faberge egg.

Remove the lid. The broccoli should be bright green, rather than overcooked Army green.

Clear a space in the pan next to the tofu, and add the sesame oil, garlic and ginger. When you smell the garlic cook, about 2 minutes, add the fish sauce and oyster sauce. Stir this fragrant puddle of garlic, ginger and sauces, and stir the bacon and broccoli through the sauce.

Season with soy sauce and black pepper.

Make sure each serving, and each bite, contains a little bit of tofu.

F L E U R D E L O L LY

S U R V E Y S AYS

FOOD WASTE INCREASES

Tofu with Broccoli and Bacon in “Chinese” Sauce

Two ingredients produce tempting cinnamon-apple treat

Laura Tolbert

T

here’s a reason that retailers display those cinnamon and apple scented candles in the fall. The combination is very warm and inviting.

How better to pair them than to combine cinnamon rolls with apple pie filling.

For this tempting treat, you’ll only need two ingredients: A tube of unbaked cinnamon rolls and 32 ounces of apple pie filling.

If you want homemade filling, try my version below.

Preheat oven to 375 degrees.

Lightly spray a 9-by-13-inch casserole dish. Unroll the cinnamon rolls and carefully slice through the middle crosswise so they won’t be too thick.

Divide each slice into fourths.

Distribute half of the pieces evenly in the bottom of the baking dish. Pour in the pie filling. Place the remaining cinnamon roll pieces on top of the pie filling. Bake for 15 minutes until the pieces are browned. Remove from oven and let it cool slightly. Drizzle the icing over the top of the cobbler and enjoy!

Home-Canned Filling • 4 1/2 cups white sugar • 1 tablespoon ground cinnamon • 1/2 teaspoon ground nutmeg

• 2 teaspoons salt • 10 cups water (divided) • 1 cup cornstarch • 3 tablespoons lemon juice • 28 to 30 baking apples Wash and rinse in hot water seven wide-mouth quart jars, lids and rings. Place in a pot of simmering water while you make the filling.

In a large pot or Dutch oven, combine sugar, cinnamon, nutmeg, salt and 8 cups of water. Bring the mixture to a boil over medium-high heat.

In a medium-sized bowl, combine the cornstarch and remaining 2 cups of water.

Whisk to combine. Pour this mixture into syrup mixture and mix well. Allow to cook at least 1 minute and remove

from heat.

Peel, core and slice apples.

Toss with lemon juice. Pack the sliced apples into hot canning jars, leaving at least a 1-inch headspace.

Fill jars with hot syrup. Using a wooden skewer or Popsicle stick, carefully slide down inside the jars to remove any air bubbles. Wipe rims to remove any syrup dropped on the edge. Put on lids and rings (just finger tight) and process in a boiling water bath canner for 25 minutes.

After the jars have sealed, but while still warm, you may turn the jars upside down to allow the apples to redistribute if the apple slices have floated to the top.

What’s the

IN THE NEWS

EXERCISE CAN HELP WITH PAIN Walking and exercise might help those who experience chronic pain due to arthritis and other conditions.

According to NPR, taking brisk walks builds up the stabilizing muscles surrounding joints and increases cartilage lubrication.

“Movement is essential for nutrition of the cartilage,” said Dr. Virginia Byers Kraus, a professor at Duke University’s Molecular Physiology Institute who serves on the research and medical committees of the Arthritis Foundation.

“Cartilage doesn’t have a blood supply but does have living cells.

So the way it gets nutrition is by dynamic motion.” Though counterintuitive, using one’s joints might help slow degradation of the cartilage.

NUMBER TO KNOW

169 MILLION According to the CDC, vaccine manufacturers have projected that they will supply as many as 169 million doses of influenza vaccine for the 2019-20 season.

‘beef ’?

Alt-meat can have more sodium, fewer nutrients than real meat

More processing used

MCN

By American Heart Association News

B

y almost any measure, meat alternatives are rapidly gaining in popularity.

The explosion of innovation in plant-based meat products is evident along grocery store aisles and on restaurant menus — and the products aren’t only for vegetarians and vegans. Nielsen data from August show 98% of people who buy meat alternatives also buy meat.

But whether people are choosing so-called alt-meats for ethical or health reasons, they should be careful to compensate for the loss of nutrients, experts say. That goes double for people moving away from animal products entirely.

An EPIC-Oxford study, recently featured in The BMJ, followed 48,188 people over 18 years and discovered fish eaters and vegetarians had 13% and 22% lower rates of ischaemic heart disease than meat eaters, respectively.

Vegetarians, however, had 20% higher rates of stroke than meat eaters.

— More Content Now

“Using vegetable-based meat substitutes, you typically are eating food that is more processed.

I don’t think we know all of the ramifications of that.”

Jo Ann Carson, a retired professor of clinical nutrition at UT Southwestern Medical Center in Dallas

“You do have to be more intentional about it,” said Jo Ann Carson, a retired professor of clinical nutrition at UT Southwestern Medical Center in Dallas. “People can easily find protein elsewhere, but if they’re not having any animal products — if they’re not having any dairy, meat or eggs — they

According to restaurant consulting group Baum+Whiteman, 31% of Americans practice meat-free days, and 83% say they’re adding plantbased foods to their diets to improve health and nutrition. But in the case of many alternative meats, perception may not mirror reality.

“Using vegetable-based meat substitutes, you typically are eating food that is more processed,” Carson said.

“I don’t think we know all of the ramifications of that.”

People should be aware of the tradeoffs if they choose meat alternatives for health reasons, Camire said.

“A lot of them are designed so that they are more comparable to some of the more structured proteins, but they’re a blessing and a curse,” Camire said. “It might have as much protein as the real meat, but it probably has a lot more sodium, and it may even have more saturated fat.

“Some of the fake burgers are actually putting little globs of coconut fat in there to make it juicy when you bite into it.”

According to news reports, many new meat substitutes smell, feel and even “bleed” like meat because they are genetically engineered or highly processed.

“It’s a little bit ironic today, when everyone is wanting clean labels, that some of these meat alternatives actually have a lot of additives in them,” Camire said.

Strive for balance Beans and legumes such as chickpeas, lentils and soybeans can be a healthy alternative to meat, she said.

In addition to protein, they are good sources of other nutrients such as fiber and iron.

In general, as with most dietary choices, the key is to strive for a balance between animal products, fruits, vegetables and other dietary choices that satisfy nutrition requirements, Camire said.

But that’s challenging, she added, because “moderation and variety are not sexy topics.”

T O DAY ’ S W O R KO U T

S T U DY S AY S

MEATLESS DIETS AND HEALTH

might have a hard time getting enough grams of protein in the foods they’re eating.”

For example, regular tofu contains about 8 grams of protein per 100 grams, according to the USDA. The same amount of ground beef includes about 19 grams of protein, and ground chicken contains about 17 grams.

Federal dietary guidelines recommend 10% to 35% of daily calories come from protein. That’s equivalent to 46 grams of protein a day for adult women and 56 grams for adult men.

But there’s more to meat consumption than just protein.

“Iron from beef is very well absorbed, but plant iron not so much so,” said Mary Ellen Camire, a professor of food science and human nutrition at the University of Maine. “The big thing is vitamin B12 because you can only get that from animal products or supplements. So for some people, that is a risk factor. They may be at risk for developing anemia.”

HEALTH

HEALTH

Knee hug stretch works lower back

By Marlo Alleva More Content Now

A

hhhhh. Good morning! Streeeetch.

There is no better way to revitalize your muscles (and sometimes your mind) than a good stretch.

Most of us wake up with a stretch, we stretch when we have stress and of course we stretch while we are working out.

That leads us to our move today: a knee hug stretch. This move will be stretching your lower back, hips, hamstrings, and your inner and outer thighs. This stretch can be performed either standing up or lying down. All you will need is a flat surface, and possibly something to help hold your balance

such as a wall, countertop or chair back.

If standing, hold your chest up, and engage your core for the best amount of balance. Shift your weight onto one leg, lift your free leg up by bending the knee and reach your hands around the bent knee somewhere close to your torso.

You can either keep this stretch where it is, or we can take it slightly deeper by grabbing our free foot and pulling it upward and slightly pushing the bent knee out to the side.

So basically, you will be standing tall, balancing on one foot, and your free leg will be bent and pulled up in front of your body.

Hold this position for at least a count of eight.

Return your bent leg to a standing position, reaffirm your balance and continue on the opposite leg.

This knee hug stretch can be performed a couple of times on each side to guarantee a deep stretch.

This move can be performed at any time whether to relieve a tight lower back, or stretching the legs and lower back after a workout. And remember, if your balance is compromised, keep near to a wall or countertop for reassurance.

Marlo Alleva, an instructor at Gold’s Gym and group fitness coordinator at Fontaine-Gills YMCA in Lakeland, Florida, can be reached at faluvzpa@msn.com.

Marlo Alleva demonstrates a knee hug stretch. [PIERRE DUCHARME/THE LEDGER]

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HOME

HOME R E A L E S TAT E

TIPS FOR A SMART FLIP House flipping can overwhelm even the most confident investors.

According to Matt Woodley, founder of MoverFocus, investors should not spend more than 70% of the anticipated value of the property.

This includes the cost of purchasing the property and making repairs.

This rule provides a safety net for investors in case real estate value does not rise.

Woodley also says a flipper should invest in the most vital aspects first, like the foundation and roof.

COUNTERTOPS

SAVE MONEY BY PAINTING Painting a laminate countertop is a low-cost option for those wanting to update their kitchen. According to HGTV, first sand down the surface, wipe away the dust and dry it. The countertop can then be painted with primer and paint roller, followed by one to two coats of paint. Seal the surface with polyurethane after the paint has dried. When the polyurethane is dry, sand the countertop with a moist sanding sponge until the countertop is smooth. Then reapply and sand the polyurethane two more times.

Steps for an indoor

herb garden

By Carole McCray More Content Now

G

ardening indoors with herbs is a way to keep summer’s fresh flavors in your favorite dishes. Enjoy adding a snippet of fresh basil for a hearty tomato sauce or a few cuttings of thyme or sage to flavor the Thanksgiving stuffing, all possible with an indoor herb garden.

For cold climates, bring herb plants in before a hard frost. If your plants look a bit forlorn, garden centers and nurseries, a farmer’s market or roadside stands are places to find fresh plants.

A sunny kitchen windowsill or a room near the kitchen are ideal locations for an indoor herb garden. Your plants should receive at least six hours of full sun.

If the herbs have been in the ground, you might want to put them in small pots or, if the plants were in pots in the garden, you can use the pots. Either way, a check for pests is a good precaution. Look for aphids, white flies, spider mites and scale insects. Carefully wash the leaves of the plants with warm, soapy water so the soil does not fall out of the pot. With your hand or plastic wrap, hold back the soil.

The larger the container holding the herbs, the better, because you can grow more herbs and the soil will not dry out as quickly. When planting, soak the container in water first if it is an unglazed terra cotta pot or other porous container, so moisture is not pulled from the soil. Good drainage is important.

Grow lights will help the plant receive adequate light if the room is not bright enough.

If using artificial light, keep the pots close together, not further than 8 inches away from the grow lights. Most herbs prefer a south- or west-facing window.

Overwatering is worse than underwatering.

Keep herbs moist, and feed with good liquid plant food.

• Chives: Potato dishes, soups and stews are enhanced with its oniony flavor.

• Basil: Genovese is the most popular variety. I like it to make pesto and top pizza and pasta off with the pesto. Spicy globe, Thai and lemon are other choices, and opal basil is one I use to make herbal vinegar, giving it a pale lavender tint.

• Dill: Its feathery foliage is flavorful on fish and potato salads.

• Chervil: A curly leafed herb, it pairs nicely with egg dishes and as a delicate garnish to a plate.

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• Mint: Spearmint and peppermint are familiar to most; however, orange and pineapple are pleasant mints, especially for winter teas.

• Parsley: A culinary staple, the curly leafed plant is the most flavorful.

• Rosemary: Pinescented rosemary complements chicken, oven-roasted potatoes and pork.

• Sage: An earthyflavored herb, sage is popular for adding to stuffings and goes well with pork, poultry and cheese.

• Oregano: A zesty, pungent herb for flavoring Italian and Mexican dishes.

• Thyme: Lemon thyme is a favorite aroma of mine. I place it on top of and under salmon, then bake or broil it.

DEAR MONTY

PLANTING BULBS IN THE FALL

— More Content Now

IMAGES

Popular herbs for indoor gardening

GARDENING

As fall descends, gardeners can get a jump on spring by planting colorful bulbs for the coming year. According to Diana Stoll, garden writer for the Daily Herald, gardeners should plant bulbs two to three times as deep as they are tall.

Bulbs require dry conditions during their dormant phase and should not be planted in low spots or adjacent to perennials, which require constant moisture.

PEXELS/ FREEPIK/ VISUALHUNT

Neighbor’s waterfall is destroying our fence

Richard Montgomery

R

eader question: We bought a home a year ago built in the ‘80s. A problem has surfaced with the back block fence. The neighbors have a water feature and waterfall that abuts their side of the wall. The structure is leaking water and creating problems on our property. The soil on our side of the wall is continually mushy, and the wall is slowly disintegrating.

We can see through some of the mortar joints in the blocks. What can we do?

Monty’s answer: When you purchased your home, did you notice the seepage

when you inspected the property? Is the leak new, or has it recently intensified? Were you furnished with a seller condition report? There may be another party or two that share some responsibility.

If you discover a real estate agent was derelict, or the seller was aware of the leak, it could help defray the repair costs. The circumstances play a critical role in applying the law and reason to rectify this situation.

Seek to understand — then be understood Once you establish the ownership, most neighbors will be engaging, reasonable and anxious to repair the leak in the wall.

You want to ascertain if your neighbors know about the leak. Have you met the owners? Consider approaching them

and explaining what you are experiencing on your side of the fence. It will not be a shock if they are not aware of it. The fountain could appear normal on their side.

Ask them if their water bill is higher than usual.

They may have wet soil on their side as well.

Do either of you have a survey that can be used to find the survey stakes? The exact location of the wall is essential. Does it straddle the lot line or rest totally on one side or the other.

Determining who owns the fence is the first step in seeking resolution because if the entire wall is on their property, it is their responsibility. If neither of you has a survey, consider asking a registered land surveyor to identify the corner stakes.

Simultaneously, ask three unrelated contractors

for a bid to identify the source of the leak, the best solution and the cost to repair the leak and the wall.

If you want to farm the entire job out to one company, a landscape company will find the appropriate tradespeople. This article at http://bit.ly/2LCy4i6 offers more help.

An uncooperative neighbor In the unlikely chance the neighbor snubs you and is uncooperative, obtain the survey and review your purchase documents.

When you know the location of the wall, the decision will be easy if the wall does not sit on both parcels.

If it does, gather the estimates and go back to the neighbors. If they remain uncooperative, consult with an attorney to consider your choices.

Take a drive

TRAVEL

TRAVEL

Enjoy the beauty of autumn in Bucks County

Bucks County, Pennsylvania, is home to 12 historic bridges, some that are more than 150 years old. [CR RAE PHOTOS]

By CR Rae More Content Now

F

all can be the most beautiful and fun season of the year, from the vibrant colors of the foliage to picking apples to make pies and applesauce.

A great place to enjoy the fall season is Bucks County, Pennsylvania, located on the eastern side of the state.

One of the most beautiful drives for fall color seekers is the tour of covered bridges. The county is home to 12 historic bridges, and traveling among them takes visitors off the beaten path and into the thick of fall.

Some of the bridges are more than 150 years old.

Ten of the bridges can be driven across. Driving on River Road along the Delaware River is beautiful and known as one of the best drives in the state. A drive on Cuttalossa Road will take leaf peepers to historic and scenic views possibly only found in this Pennsylvania county.

Most of the bridges are listed on the historic register, and one is said to be haunted. The Van Sant Bridge legend states that years ago the family of a young unmarried pregnant woman wanted nothing to do with her or her child. Upset by this, in the middle of the night, the woman flung her baby into the water and hung herself from the bridge rafters. It is said that cries of the child can be heard by parking in the middle

Tile maker Henry Mercer built Fonthill Castle in Doylestown in 1916.

of the bridge and the toes of the woman will scrape the car roof.

The bridges are unique and different in many ways, and the drive to visit each is beautiful.

Pack a picnic, bring a camera, roll the car windows down and enjoy the fall colors, smells and sounds of the Bucks County backroads.

For more detailed information on the bridges and a map go to visitbuckscounty.com.

Make sure you bring a hammer while you are wandering the country roads of the county.

What for? To ring some rocks at Ringing Rocks Park. This huge field of boulders is a mecca for those who want to discover the variety of sounds the rocks create. Each takes on a sound of its own when hit with a hammer.

Scientists are still trying to figure

out why the 12,000-year-old rocks produce this sound. Bring enough hammers for everyone and have a “rock concert.” The park is on Ringing Rocks Road in Upper Black Eddy. Visit buckscounty.org and click on Visitors to find out more about the park.

Another iconic fall thing to do here is pick apples. A variety of orchards offer not only picking options but other things to do: • Tabora Farm & Orchard in Chalfont offers a full-service deli, a homemade bakery and homemade ice cream. Bring the kids along as the farm offers a huge sandbox, farm animals and more. Go to tabora.farm.

• Shady Brook Farm in Yardley hosts Pumpkinfest and Horrorfest until Oct. 31. Some evenings are family-friendly, and on other

nights as darkness falls, they say “the farm turns into a den of terror.” Visit shadybrookfarm.com for the lineup.

• At Solly’s Farm in Ivyland visitors can pick their own crops from apples to grapes and peppers to flowers. They offer soup, bakery items, preserves and more. Visit sollyfarm.com for hours and what is ready for picking.

Finally, what better fall thing to do than visit a castle said to be haunted? Fonthill Castle in Doylestown is the former home of Henry Mercer, a well-known tile maker. The 44 room “home” is made from hand-mixed concrete and more than 100 years old, and the interior is decorated with a variety of tiles made by Mercer. His handcrafted work is displayed on the floors, walls and ceilings.

The Mercer Museum and Fonthill Castle offer visitors a step back in time to what life was like in America in the 18th and 19th centuries. In their 55 exhibit rooms travelers will find tools and products from these centuries. Mercer was born in 1856 and died in 1930. During that time, he gathered quite a collection for his museum of more than 40,000 items. Family-friendly and interactive displays are available as you dive into the science and history.

For a list of current exhibits at Mercer Museum, tours of the Fonthill Castle and prices, visit mercermuseum.org.

NYC-area castle open to all

By Lisa Elia More Content Now

Commuters taking the train to New York City aren’t dreaming when they see a crumbling, fairytalelike castle in the middle of the Hudson River about 50 miles north of the city.

Despite its majestic but precarious appearance, the Scottish- and Moorishstyle castle with crenelated turrets was built for more practical purposes: to warehouse military relics that date to the Civil and Spanish-American wars.

The 6 1/2-acre island has had a second life in recent years as a tourist attraction. Preservation group Bannerman Castle Trust Inc. offers guided walking tours of the island, which visitors can get to by boat or kayak.

Wesley Gottlock, who

has been giving tours since 2004 and has co-authored two books about Bannerman Island, said when Francis Bannerman VI bought Pollepel Island in 1900, he was the world’s largest seller of used military surplus goods and a multimillionaire.

Bannerman arrived in New York City from Scotland at age 3. When his father went off to fight in the Civil War, young Francis became the family breadwinner. One of his jobs was scouring the waters along the Brooklyn Navy Yard for ropes, chains and other scrap metal, which he then sold, Gottlock said.

When his father came home from the war, he joined his son’s enterprise, and they expanded it by purchasing used military surplus from the U.S.

Francis Bannerman’s arsenal, which he designed to look like a Scottish castle. [BANNERMAN CASTLE TRUST INC.]

government.

The business mushroomed, and he put out a catalog of his goods that was circulated worldwide. In 1898, he bought up 90 percent of the used military inventory from the Spanish-American War, which quickly filled up his Brooklyn warehouses. His

collection of pith helmets even made its way to the Hollywood big screen in the movie “Gunga Din.” To store the overflow, Bannerman bought Pollepel Island (which his son discovered on a sailing trip along the Hudson River) where he built four arsenals, workers’ homes and

a summer house for his family.

Bannerman’s two-story Scottish Baronial castle has sweeping vistas of West Point military academy and Storm King Mountain — views today for which moguls would pay millions.

The Bannerman family enjoyed the summer retreat by wandering the gardens, watching the ferries go upriver or sailing in the Hudson. Down the hill was the castlelike arsenal and a separate house to store black powder, which blew up in 1920.

Family members continued to visit the island for decades after Francis Bannerman died in 1918.

Eventually, weather, vandals and fires left the island in disrepair, and it was sold to New York State in 1967.

For more information, visit bannermancastle.org.

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MOVIES & TV

MOVIES&TV M OV I E R E V I E W

Zellweger brings Garland to sad but song-filled life in ‘Judy’

By Ed Symkus More Content Now

It all comes down to matters of taste, doesn’t it? After adoring her — and everything else about the film — in “The Wizard of Oz,” I was never much of a fan of Judy Garland. I saw a couple of the musicals, and made it through just one “Andy Hardy” film as well as the overwrought “A Star Is Born.” Not my kinds of movies — or acting. And though she was better known and loved as a vocalist, I (almost) always found her voice kind of irritating, as if she were blaring rather than singing.

Similar circumstances with Renée Zellweger.

She never hit the mark for me, and her screen performances came across as either overacted or underacted.

But in “Judy,” a sharply focused biopic that zooms in on just a couple of portions of Garland’s short life (she died in 1969 at age 47), lightning strikes and then, uncharacteristically, it strikes again.

Zellweger gives a careerhigh performance (put your early money down on an Oscar nomination), and even though I’m not

Judy Garland (Renee Zellweger) disappears into song at one of her London shows. [ROADSIDE ATTRACTIONS]

heading out to buy any Garland records in the near future, I found myself fascinated with her story.

Television writer Tom Edge and television director Rupert Goold have adapted Peter Quilter’s 2005 stage play “End of the Rainbow” in a way that successfully grabs on to the feel of a small production, but translates it in a quietly powerful way to the screen.

It’s the story of the last few months of Garland’s life.

Her hardcore fans still love her, and her name recognition is still high, but there are no more movie offers, and her unreliability as a concert singer — blame it on drugs and booze and, as flashbacks reveal, an unhappiness with the rigors of show business — has resulted in the drying up of live appearances.

At the film’s beginning, in 1969, Garland is at her wit’s end. There had been multiple suicide attempts,

TV REVIEW

More Content Now

For years, Emily Spivey has written everything as if it were set in the South.

She just didn’t tell anybody.

As an Emmy winner for her work on “Saturday Night Live” and writer on shows such as “Parks and Recreation” and “Modern Family,” Spivey has taken that secret to great heights.

But this fall, the North Carolina native is finally dropping the veil and telling the story she was born to write.

Spivey’s latest creation is Fox’s new animated comedy series “Bless the Harts” (premiering 8:30 p.m. Sept. 29), a tender-hearted laugh factory about a lovable but cash-strapped Southern family making ends meet by any thrifty means necessary.

The show, which features the voice talents of Kristen Wiig and Maya Rudolph, is the rare

Southern-fried comedy that doesn’t rely on laughing at the accents and antics of its subjects just because of their geographic upbringing.

Spivey wants you to laugh with the Harts, not at them.

“You know growing up in the South, you get so sick of the dumb hick sterotype and the ‘HeeHaw’ of it all,” she said while promoting the series at the Television Critics Association press tour in Los Angeles. “I just wanted to create a quirky Southern family that was authentic and based on people I grew up with. I want you to recognize these people.”

In the Hart family, there’s Jenny (Wiig), the resourceful matriarch who hustles to support her family; her scratch lottery ticketloving mother Betty (Rudolph); her creative and introverted daughter Violet (Jillian Bell) and her chronically optimistic boyfriend, Wayne (Ike Barinholtz).

A Southern family is forever struggling to make ends meet but already have everything they need in Fox’s new animated series “Bless the Harts,” from North Carolina native Emily Spivey. [FOX]

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Written by Tom Edge; directed

by Rupert Goold With Renée Zellweger, Jessie Buckley, Finn Wittrock, Rufus Sewell Rated PG-13

concerts in London that could solve her current money problems and, who knows, maybe jump-start her faltering career.

Then Zellweger steps inside the self-abused body and emotionally ravaged soul of Garland, and she never looks back.

The film works because of Zellweger, who gives her all in both acting and singing.

This isn’t an impersonation of Garland but an impression of her. Zellweger, who has sung onscreen before in “Chicago,” really proves that side of her talent here (some will argue she sings better than Garland in the film’s time period). And on the acting side, she captures the rawness, sadness and lost-little-girl fragility that Garland couldn’t shake. Yet Zellweger’s finest achievement might be the way she gets the odd body movements, the slight twitches, the way Garland carried herself.

It’s at those moments that you totally forget you’re watching an actor, and not the real person.

Ed Symkus writes about movies for More Content Now. He can be reached at esymkus@rcn.com.

S TAY T U N E D

‘Bless the Harts’ laughs with instead of lampoons the South

By Hunter Ingram

she’s between marriages (again), she has two young children — Lorna and Joey — and the by-then-adult Liza, she has no place to live and no money coming in. Her relationship with Sid Luft (an unrecognizable Rufus Sewell), probably her closest ex, is, at best, on the rockiest of grounds. But an offer comes in from British impresario Bernard Delfont (Michael Gambon, in a small, thankless role) to do a string of

‘Judy’

In new fall TV, ‘Stumptown’ is a standout

Melissa Crawley

T

he fall TV premieres are finally here, and the broadcast networks are pulling out all the stops with competing lawyer shows, several comedies, and an army vet turned P.I. who wins the week.

Dispatches: Weekly TV news • Ryan Seacrest will return as host of “American Idol’s” upcoming season. Seacrest has been the show’s host since the franchise began in 2002.

• Country music star Brad Paisley will host and executive produce “Brad Paisley Thinks He’s Special.” The hourlong primetime variety show will air on ABC later this season and feature performances from Kelsea Ballerini, Jonas Brothers and others.

Contenders: Shows to keep on your radar

• CBS and NBC want your attention in the courtroom. On “All Rise” (Mondays, CBS, 9 p.m.

ET), the focus is Judge Lola Carmichael, (Simone Missick) a deputy district attorney who plans to shake things up in her new role. Over on NBC, Jimmy Smits plays Elijah, a celebrated Memphis lawyer, whose estranged daughter returns to the family fold and his law firm in “Bluff City Law” (Mondays,

Cobie Smulders stars as Dex Parios in “Stumptown” on Wednesdays, ABC, 10 p.m. ET. [ABC]

10 p.m. ET). Of the two, my pick is “All Rise.”

• In “Bob Hearts Abishola,” (Mondays, CBS, 8:30 p.m. ET) a divorced businessman from Detroit has a heart attack and falls in love with his cardiac nurse, a Nigerian immigrant named Abishola (Folake Olowofoyeku). It’s a refreshing take on sitcom romance from powerhouse producer Chuck Lorre (“Big Bang Theory”).

• “Prodigal Son” (Mondays, Fox, 9 p.m. ET) features Michael Sheen as Dr. Martin Whitly, an imprisoned serial killer whose son Malcolm (Tom Payne) works as a profiler with the NYPD. With an anxious edge to it, the premise interestingly explores what it takes to manage dark impulses.

• “Stumptown” (Wednesdays, ABC, 10 p.m. ET) is based on the comic book drama of the same name and follows Dex Parios, a Marine veteran with a drinking and gambling problem who works as a P.I. With a strong supporting cast and an excellent performance from Cobie Smulders as Dex, it’s an appealing procedural drama.

• “The Unicorn”

(Thursdays, CBS, 8:30 p.m.

ET) stars Walton Goggins and, because of him, rises above what could be a predictable premise about a widower and father who re-enters the dating scene.

“Sunnyside” (Thursdays, NBC, 9:30 p.m. ET) is reminiscent of “Community,” and while it’s not as funny as that show, the study group characters have potential. “Carol’s Second Act” (Thursdays, CBS, 9:30 p.m. ET) is predictable with too many age jokes but deserves a mention for star Patricia Heaton’s charming likeability.

• Ryan Murphy teams up with Brad Falchuk and Ian Brennan for dramedy “The Politician” (Netflix, Sept. 27). Memorable characters and a talented cast make Murphy’s first contribution to the subscription service a success.

Melissa Crawley is the author of “Mr. Sorkin Goes to Washington: Shaping the President on Television’s ‘The West Wing.’” She has a Ph.D. in media studies and is a member of the Television Critics Association. To comment on Stay Tuned, email her at staytuned@ outlook.com or follow her on Twitter at @mcstaytuned.

PUBNAME

JOBS

AutoTextDate

THE TIPS

Top companies for interns

VE CT OR STO C

K

According to GlassDoor.com, the highest-ranked companies for internships — as chosen by interns — are 1.) Facebook, 2.)

Chevron, 3.) Google, 4.) Quicken Loans and 5.) eBay. — MCN

JOBS

AutoPageNo

By Catherine Conlan Monster.com

I

nterviewing for an internship is a little different from interviewing for a permanent job. One thing is the same, however: You’ll probably be invited to ask your prospective employer questions — and you should be prepared to ask some good ones. Here are eight that will make you look smart and savvy.

How will you evaluate my performance?

Expressing your interest in feedback will help show you’re interested in learning, focused on professional growth and willing to be taught, says Kate McKeon, CEO of Prepwise. Ask what tasks or skills you may be evaluated on, and who will be performing your evaluations.

How long have you been offering internships?

“You want to see if the organization is used to using and working with interns,” said University Research and Review founder Joe Schmoke.

For some interns, it may not be a good fit to work with an employer that lacks established procedures and rules.

How have you managed interns in the past?

Asking about the company’s experience with interns can help give you more information about what it will expect from you. Jennifer Brown, founder and CEO of PeopleTactics, suggests asking what made past interns successful and how you could best make a valuable contribution through your internship, if hired.

“The questions will not only show that you view the internship as way to develop your skills, but to also help the company,” she said.

What will a typical workday be like?

This will help you find out about any scheduling expectations managers have for the position, such as your office hours and breaks. Knowing from the start whether overtime or late nights at the office are expected can help prospective interns find a work environment that fits with their schedule and fosters their professional growth, says Donna Ledbetter, author of “Graduate School for Working Adults.”

Who will I be working with?

In some organizations, interns are assigned to work for a specific person or department, while in others they’re pooled together, Schmoke says. In a pool situation, interns may not have a chance to establish a good relationship with a mentor, or may only get a high-level view of the organization rather than a deeper dive into a

specific function. On the other hand, groups of interns may be able to work on larger, higher-profile projects than individuals do.

How much interaction will I have with other employees?

Interns should take full advantage of being in a professional environment, says Adrienne McNally, associate director of experiential education at New York Institute of Technology‘s Office of Career Services. Try asking “What opportunities will there be for me to talk to and interact with people outside of my department?”

Could you tell me more about the company’s ...?

Internship candidates should ask questions that demonstrate their knowledge of the company by inquiring about news items related to the organization or requesting more details on information they found on the company’s website, McNally says: “Students can also demonstrate their interest in being engaged employees and citizens by asking questions about how the organization contributes to its industry and community, and how as an intern they will be working towards these causes.”

How often do you hire interns for full-time jobs?

“It’s never too early to find out whether the company considers interns as potential employees,” Schmoke says.

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KIDZ

BUZZ

D R AW I N G W I T H M A R K !

Let’s practice drawing the planet Saturn!

Who was Gandhi?

By Erika Enigk More Content Now

H

ave you ever experienced something you thought was unfair? Did you speak up?

History has many figures who did just that, and one important one is Mohandas Gandhi. His 150th birthday is coming up.

Gandhi’s life

Gandhi (which is what most people call him) was born in India on Oct. 2, 1869. India is a country in South Asia. It’s the seventh largest country in the world but has the second largest number of people. Gandhi’s family was wealthy, which was very important in India back then. In the United States, we have some sense of who is wealthy and who isn’t, but in India, your place could determine everything about your life, and everyone knew it.

Throughout his life, though, Gandhi chose to live modestly, and he was known for not letting his position as a wealthy man stop him from fighting for the rights of everyone.

Independence

Influence

Watch Drawing with Mark!

• Check your local listings at www.DrawingwithMark.com • Find the award-winning “Drawing with Mark” DVD episodes at Amazon.com and www.moviezyng/DWM.aspx

WORD FIND Gandhi India British Peace Protests

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Hindu Muslim Independence Empire Rights

Many who have come after Gandhi have said he inspired them to do good in the world because he accomplished great things peacefully. Nelson Mandela, who lived in South Africa, also spent years in prison after fighting the government against their policies of keeping people of different races apart.

The Dalai Lama, who is a leader of the Tibetan people, is also a person who fights peacefully. And Martin Luther King Jr. learned from Gandhi how to protest peacefully when he was fighting for equal rights in the United States. Often, Gandhi is known as Mahatma, which means “great soul.” Gandhi had four children, and they continued his work, becoming philosophers and civil rights leaders, too.

A N G E L S F R O M T H E AT T I C

By Mark Marderosian

Gandhi in 1931.

[WIKIMEDIA COMMONS]

Word scramble Unscramble these words you’ve read in Gandhi’s story.

ADINI DAHNIG TAMHAMA LUMSMI NUHID HRITBSI PERIME Answers: INDIA, GANDHI, MAHATMA, MUSLIM, HINDU, BRITISH EMPIRE

At the time India was part of the British Empire, but the people didn’t want it that way. Gandhi began to organize protests where he would do things like sit in the streets or refuse to work. Many people joined him, so the British Empire took notice. Sometimes Gandhi got arrested for protesting, but while he was in prison he would sometimes stop eating, and the authorities would have to let him go because they didn’t want him to die. Eventually, India became independent, but fights broke out between the Muslims and the Hindus living there, and in 1948, Gandhi was assassinated by someone who didn’t like that Gandhi, who was Hindu, wasn’t joining in the fight.

CHARLOTTE

SPEED FREAKS A few questions we had to ask ourselves

Q U E S T I O N S & AT T I T U D E Compelling questions ... and maybe a few actual answers

THREE THINGS TO WATCH

Of the four current outsiders, who has best chance to sneak in a last-minute win?

GODSPEAK: I pulled Clint Bowyer’s name out of the hat, which is the easiest way to choose in this situation.

KEN’S CALL: Kurt Busch, easy.

He won the Roval pole last year and finished fifth. He’s capable if the car’s capable.

Is Truex Jr. peaking too soon?

In traditional sports, you could make a case for such a thing, especially if there’s a chance at burning through the energy and adrenaline you may need later. But not in racing. You take every win that’s available, regardless of whether you’ve already clinched a trip to the next playoff round. There are plenty of advantages to such a thing, but mostly, it comes down to a racer’s desire for trophies — a desire that usually dates back to grade school.

1. Roval madness Race 3 of the playoffs will take place on Charlotte Motor Speedway’s 2.28-mile Roval road course. Last year’s inaugural race was pure chaos when Brad Keselowski’s crash in Turn 1 sparked a huge pileup.

“Last year I thought we were going to be all right and finish OK, but then we all decided to follow everybody else off a cliff,” Kyle Busch said. “It was pretty ugly.”

Ryan Blaney won in ’18 when the two lead cars crashed.

Will Martin Truex ever become NASCAR’s all-time winningest Junior?

GODSPEAK: No, but on the Junior performance scale, Truex is capable of 40 or so.

KEN’S CALL: He’s one away from Junior Earnhardt’s 26 career wins, but only halfway to Junior Johnson’s 50. He finishes somewhere between them, at about 35.

2. Four will go

FEUD OF THE WEEK

After the checkered flag drops on the Roval, four drivers will be eliminated from postseason play.

William Byron sits on the cut line, 12th in points.

Alex Bowman and Clint Bowyer are ready to pounce. They are only two and four points

ALEX BOWMAN VS. AUSTIN DILLON: The two made contact during a pinball restart.

Dillon thought it was done on purpose and spun Bowman, who is fighting to advance in the playoffs.

GODWIN KELLY’S TAKE: After the race, Bowman had a lot to say, but this is printable.

“He (Dillon) just races dumb,” Bowman said. The next race at the Charlotte Roval will offer many payback opportunities.

How’s the dream coming?

Brad Keselowski (2) runs into the tire wall in Turn 1, igniting a huge pileup late in last year’s Roval race at Charlotte. [AP/MIKE MCCARN] behind Byron. Byron has a chance to improve his standing because 10th-place Blaney is only six points ahead and 11th-place Aric Almirola is just one up.

3. Roval consensus The Roval seems like a good place to host a playoff cutoff race.

“I don’t know that I’m looking forward to the

It’s a bit mean, but we love chaos, and we’ve therefore always pulled for a winless Cup Series champ. Six winless drivers made the playoffs, and five could advance to Round 2. Kyle Larson (eighth) and Ryan Newman (ninth) lead the way heading to Charlotte.

Roval,” Ryan Newman said. “I don’t really know anybody that actually is, except for maybe Martin Truex.” Truex Jr. has banked two playoff wins. Bowyer seems to have the right attitude.

“It’s gonna be fun for everybody involved,” he said. “It’s do-or-die time.

It’s the playoffs.”

Ken Willis, ken.willis @news-jrnl.com NASCAR CUP S TA N D I N G S 1. Martin Truex Jr. 2. Kevin Harvick 3. Kyle Busch 4. Brad Keselowski 5. Denny Hamlin 6. Joey Logano 7. Chase Elliott 8. Kyle Larson 9. Ryan Newman 10. Ryan Blaney 11. Aric Almirola 12. William Byron 13. Alex Bowman 14. Clint Bowyer 15. Kurt Busch 16. Erik Jones 17. Daniel Suarez 18. Jimmie Johnson 19. Paul Menard 20. Chris Buescher

Godwin Kelly, godwin. kelly@news-jrnl.com

RICHMOND

GODWIN’S PICKS FOR CHARLOTTE

THREE THINGS WE LEARNED

WINNER: Martin Truex Jr. REST OF TOP 5: Chase Elliott, Joey Logano, Kyle Busch, William Byron FIRST ONE OUT: Daniel Suarez DARK HORSE: Erik Jones DON’T BE SURPRISED IF: Truex just sweeps Round 1. Truex was on the way to victory last year before he was spun out in the final turn.

1. Opposite directions Martin Truex Jr. and Erik Jones went in opposite directions in Race 2 of the playoffs. Truex has back-to-back victories while Jones, who was hoping to points-race his way to Round 2, was disqualified following post-race inspection (rear wheel alignment).

Jones got one point.

MOTOR MOUTHS PODCAST Things take a turn this week.

A right-hand turn, no less.

2. Passing carefully

Tune in online at www.news-journalonline.com/ daytonamotormouths

Truex had to pass his Joe Gibbs Racing teammates Denny Hamlin and Kyle Busch in the closing laps to secure the Richmond victory. JGR finished first, second and third.

“Martin, the car, the combination thereof. Us, the combination of, just

NASCAR

NASCAR THIS WEEK

The Daytona Beach News-Journal’s Godwin Kelly & Ken Willis have covered NASCAR for nearly 60 years combined. godwin.kelly@ news-jrnl.com ken.willis@news-jrnl.com

2141 2120 2117 2106 2105 2101 2088 2076 2065 2059 2054 2053 2051 2049 2039 2008 700 666 608 579

W H AT ’ S O N TA P (All times Eastern)

CUP SERIES: Bank of America 400 SITE: Charlotte Motor Speedway Roval (2.28-mile road course) SCHEDULE: Friday, practice (NBC Sports Network, 2 p.m.), qualifying (NBCSN, 4:30 p.m.). Saturday, practice (NBCSN, 2 p.m.). Sunday, race (NBC, coverage begins at 1:30 p.m., green flag, 2 p.m.)

Martin Truex Jr. struggles to lift the winner’s trophy after his victory at Richmond Raceway. [AP/STEVE HELBER]

lacked a little bit,” Busch said.

3. Hey, Bubba Lost in the NASCAR playoff madness has been the improvement of Bubba Wallace and the No. 43 Chevy. Wallace

was third at Bristol and finished 12th at Richmond. Daniel Suarez led all non-playoff drivers with a ninth-place finish, just ahead of Jimmie Johnson.

XFINITY: Driver for the Cure 250 SITE: Charlotte Motor Speedway Roval SCHEDULE: Friday, practice (NBCSN, 3 p.m.). Saturday, qualifying (NBCSN, 12:30 p.m.), race (NBCSN, 3:30 p.m.)

Godwin Kelly, godwin. kelly@news-jrnl.com

KEN WILLIS’ TOP 10 NASCAR DRIVER RANKINGS MARTIN TRUEX JR. Easy call here

KEVIN HARVICK Two career road-course wins

1

2

DENNY HAMLIN Searching for last month’s heat

2019 CUP SERIES SCHEDULE AND WINNERS

3

Feb. 10: Clash at Daytona (Jimmie Johnson) Feb. 17: Daytona 500 (Denny Hamlin) Feb. 24: Folds of Honor 500 at Atlanta (Brad Keselowski) March 3: Pennzoil 400 at Las Vegas (Joey Logano) March 10: TicketGuardian 500 at Phoenix (Kyle Busch) March 17: Auto Club 400 at Fontana (Kyle Busch) March 24: STP 500 at Martinsville (Brad Keselowski) March 31: O’Reilly Auto Parts 500 at Texas (Denny Hamlin)

KYLE BUSCH Winless streak at 14

4

BRAD KESELOWSKI Let’s make it through Turn 1, please

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April 7: Food City 500 at Bristol (Kyle Busch) April 13: Toyota Owners 400 at Richmond (Martin Truex Jr.) April 28: Geico 500 at Talladega (Chase Elliott) May 5: Dover 400 (Martin Truex Jr.) May 11: Kansas 400 (Brad Keselowski) May 18: All-Star Race at Charlotte (Kyle Larson) May 26: Coca-Cola 600 at Charlotte (Martin Truex Jr.) June 2: Pocono 400 (Kyle Busch) June 9: FireKeepers Casino 400 at Michigan (Joey Logano) June 23: Toyota/Save Mart 350 at Sonoma (Martin Truex Jr.)

KYLE LARSON This Kyle’s winless streak at 74

JOEY LOGANO Will finish eighth at Roval

CHASE ELLIOTT Mr. Hunch likes him this week. Kinda.

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June 30: Camping World 400 at Chicagoland (Alex Bowman) July 7: Coke Zero 400 at Daytona (Justin Haley) July 13: Quaker State 400 at Kentucky (Kurt Busch) July 21: Foxwoods 301 at New Hampshire (Kevin Harvick) July 28: Gander Outdoors 400 at Pocono (Denny Hamlin) Aug. 4: Go Bowling at Watkins Glen (Chase Elliott) Aug. 11: Consumers Energy 400 at Michigan (Kevin Harvick) Aug. 17: Bass Pro Shops NRA Night Race at Bristol (Denny Hamlin) Sept. 1: Southern 500 at Darlington (Erik

RYAN NEWMAN 0-for-life on road courses

CLINT BOWYER We need him to advance!

9 10

Jones) Sept. 8: Brickyard 400 at Indianapolis (Kevin Harvick) Sept. 15: South Point 400 at Las Vegas (Martin Truex Jr.) Sept. 21: Federated Auto Parts 400 at Richmond (Martin Truex Jr.) Sept. 29: Bank of America 400 at Charlotte Oct. 6: Delaware 400 at Dover Oct. 13: 1000Bulbs.com 500 Talladega Oct. 20: Hollywood Casino 400 at Kansas Oct. 27: First Data 500 at Martinsville Nov. 3: AAA Texas 500 Nov. 10: Can-Am 500k at Phoenix Nov. 17: Ford EcoBoost 400 at Homestead-Miami

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