Smart Living Weekly - December 16, 2015

is n th o ly as al oc Se

L op y Sh ida l Ho

n iving g Smart L ivi ivin ng Weekly Your Better Quality of Life Magazine • Rockford Region/Beloit 95¢ • Dec. 16, 2015

™

Right in Our Region

These Shows Light Up the Holidays

By Lindsey Gapen, assistant editor, & Sarah Soenke, deputy editor

H

oliday light shows around our region are transforming the landscape into a winter wonderland. For just a few more weeks, you can experience glowing displays at Sinnissippi Park, Nicholas Conserva-

tory and the downtown riverbanks in Rockford. Upriver in Janesville, you can enjoy the spectacular illuminations at Rotary Botanical Gardens through Jan. 3.

Continued on p. 22

Live a Better Quality of Life Reading & Using Smart Living Weekly Proudly Serving the Needs of 326,000 Neighbors - For Your Home, Health & Fun! More Holiday Recipes! • Family-Friendly Skiing at Granite Peak • Smart Tax Adjustments 10 Reasons to Get Fit • How to Choose a Cozy Fireplace • Dining at Merrill & Houston’s

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Smart Living

Holiday Shopping Guide

In This Issue

Right in Our Region ........................Cover & p. 22 Holiday Light Shows Your Home .................................................. ..... 11 What to know about Fireplaces Inspiration & Worship ......................................12 Christmas: The Dawn of Grace Your Kitchen .....................................................15 Easy Holiday Treats Your Outings ......................................................32 Gearing Up to Snow Ski Your Health ............................................. .......... 25 Top 10 Health Benefits of Getting Physical Your Fun ................................................... ......... 27

Restaurant of the Week ................................... 29 Merrill & Houston’s Steak Joint Dining Locally .......................................... ........ 29

Tips ........................................................... ......... 31 Holiday Wrapping Ideas Your Money .............................................. ......... 33 Last-Minute Tax Tips for 2015

Smart L iving Weekly ™

Publisher/Editor-in-Chief Bill Hughes

Executive Editor/Web Editor Chris Linden Managing Editor Janine Pumilia Deputy Editor Sarah Soenke Assistant Editor Lindsey Gapen Senior Staff Writer/Promotions Coordinator Paul Anthony Arco Graphics Director Blake Nunes Graphic Designer Samantha Ryan Contributing Writers Peggy Werner General Sales Manager Brent Hughes Sales Manager Brad Hughes General Manager/Northwest Business Magazine Dave Marino Account Executives Brian Hughes Administration & Circulation Manager Lisa Hughes Website www.NWQSmartLiving.com Published by Hughes Media Corp.

222 Seventh St., Rockford, IL, 61104 Smart Living Weekly.

Copyright 2015 by Hughes Media Corp., 222 Seventh St., Rockford, IL, 61104. All rights reserved. Reproduction in whole or part of any text, photograph or illustration without written permission from the publisher is strictly prohibited.

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Smart Living Weekly

Dec. 16

What I Won’t Ask You

“G

ot all your shopping done?”

If one more person asks me that, I may say a naughty word. I’ve purchased only two gifts thus far and dislike being reminded of my inefficiency. Anyway, most people just ask so they can brag about how they finished their shopping, and wrapping, by Oct. 31.

These smarmy souls need to get a real life.

(Me jealous? Heavens no.)

We procrastinators are in good company.

Most actual purchases occur the weekend before Christmas. I say “actual” because it’s my theory that some folk (like me) mill around stores with our good intentions, early in the season, but put off buying decisions. We tend either to be Denyers (Christmas isn’t really coming soon; there’s not really any rush, it’s just another liberal hoax) or PPPs (Passive Present Purchasers.) I am the latter, since I don’t buy a gift until it jumps into my cart of its own volition and dances a Can-Can to impress me.

You see, we PPPs are soft, caring souls who must consider ALL the possibilities, from EVERY angle, before making an important decision like whether to buy Aunt Nelly a Chia Pet or a Presto quesadilla maker. In early December, such decisions seem monumental.

By Dec. 23, it’s amazing how they clarify.

And it’s not just at Christmas. I work in the deadline-driven publishing industry.

Something about the blaring sirens in my head (and extra caffeine in my bloodstream) equip me with superhuman powers to accomplish the impossible, once deadlines reach the “mission critical” stage.

Wild reindeer couldn’t drag me out to shop on Black Friday; I don’t care to be around shoppers so competitive they stake out the store all night, bundled up in their Snuggies, huddled around propane stoves, hoping the crowd won’t turn ugly and trampllight up their Snuggies with the propane). Nearly 100 injuries and seven deaths occurred this way in the U.S. since 2006. Way to celebrate the Prince of Peace, fellow Americans! All for $20 off that jumbo flat screen TV. Whatever your shopping style, remember that gifts from the Wise Men had nothing to do with why Jesus loves us.

Happy Holidays! ❚

Put your money where you ROCKFORD hang your stocking ~Shop Local ! a message from your locally owned Credit Union

Janine Pumilia Executive Editor Tell them you saw it in ... Smart Living Weekly

Dec. 16

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Dec. 16

Experience Downtown Rockford

10

Smart Living Weekly

Dec. 16

Y H  G

All About Natural Gas Fireplace Options N othing says “cozy” like a fireplace, and many homeowners are opting for natural gas. The three main kinds are vented gas logs, vent-free gas logs and direct-vent fireplaces. Each has unique benefits.

“It’s about finding the best fit with your space and circumstances,” says Kevin Obee, Benson Stone Co., 1100 11th St., Rockford.

Vent-Free Gas Logs/Stoves • No chimney needed • Almost 100-percent efficient • Smaller, less realistic flames: yellow in newer models, blue in older models “The fire throws off a large amount of moist heat, so this is a good option for warming up difficult-to-heat spaces, such as a chilly basement or a large room with vaulted ceilings,” says Obee.

These fireplaces must be placed in well-ventilated rooms, to avoid condensation. Any combustion byproducts are released into the room’s atmosphere, since there is no vent. “This bothers only a few people who are very sensitive to chemical smells,” Obee says.

Vented Gas Logs • Attractive, heat-producing flames • Can go into an existing fireplace • Requires professional installation of gas line “The big disadvantage is that they draw warm air from other parts of the house and send it outside,” explains Obee. “Your furnace may run nonstop, and other rooms may become pretty chilly.”

This natural gas fireplace is one of many on display at Benson Stone Co., in Rockford.

Direct-Vent Gas Fireplaces • On/off switch • Attractive, efficient fire • Glass doors protect room’s air quality • Double-chambered chimney keeps warm air inside • Free-standing or built-in; can be installed almost anywhere “One chamber draws combustion air into the fireplace and the other vents flue gas to the outside,” explains Obee. “And heated air from your house is not being sent outside.” ❚ For more ideas about fireplaces, visit the Benson Stone Co. showroom.

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Dec. 16

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I  W

Christmas

The Dawn of Grace

W

hile many details related to Jesus’ birth are murky, scriptures in both the Old and New Testaments couldn’t be clearer about his purpose for coming: to bring light to a dark world and everlasting life to those who choose to believe on him.

In Luke 4:16-21, shortly after Jesus began his ministry, he went to his hometown synogogue in Nazareth, opened the scroll of the prophet Isaiah (part of the Old Testament, written some 700 years before he was born) and read: “The Spirit of the Lord is on me, because he has anointed me to preach good news to the poor. He has sent me to proclaim freedom for the prisoners and recovery of sight for the blind, to release the oppressed, to preach the acceptable year of the Lord.”

Then Jesus closed the book, gave it back to the minister, and sat down.

Everyone stared at him, and he told them, “This day is this scripture fulfilled in your ears.”

While many religions recognize Jesus as a prophet, only Christianity celebrates him as the son of God and the messiah prophesied in the Old Testament.

Christianity is entirely unique in its message of grace.

“For by grace are you saved through faith; and that not of yourselves: it is the gift of God,” writes the apostle Paul in Ephesians 2:8.

John 1:17 tells us, “For the law was given by Moses, but grace and truth came

by Jesus Christ.”

Jesus Christ ended classism by extending the option of salvation to all people, Jew and non-Jew, male and female, slave and free (Galatians 3:28).

Shortly before his death by crucifixion, Jesus prayed not only for people who already believed on him, but for “all those who shall believe on me through their word” (John 17:20) – and that means us.

Why not make time this season to read for yourself the scriptures that describe Christ’s birth? You’ll find them in the first chapters of the gospels of Luke and Matthew.

Merry Christmas! ❚ 12

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Dec. 16

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Dec. 16

Y K

An Easy, Heartwarming Holiday Treat

T

he holiday season is never complete without friends and family gathered ’round for festive cheer. Whether you’re the hostess with the mostest or an extroverted elf whose calendar is bursting at the seams, there’s no need to fret over what you’ll serve at your next event, even when you’re pressed for time.

In just 20 minutes, you can whip up these heartwarming Peppermint Crunch Fudge bars, featuring Nestle Crunch miniatures. Your guests will love the texture of the crunchy milk chocolate paired with a burst of peppermint flavor. Plus, it’s a recipe so simple even the kids can join in on the baking fun.

Peppermint Crunch Fudge Prep time: 10 minutes Cook time: 10 minutes Servings: 25

Ingredients: •28 Nestle Crunch Bar Minis

•3 cups Nestle Toll House Bittersweet Chocolate Morsels •1 can (14 ounces) Nestle Sweetened Condensed Milk • 1/2 tsp. peppermint extract • 1/4 cup crushed candy canes (or peppermint discs), divided in half

Directions: Line 9-by-9-inch pan with foil and spray with cooking spray. Place bars in even layer on bottom of pan.

Place chocolate chips, sweetened condensed milk and peppermint extract in medium saucepan over low heat. Stir until chips and milk are melted together.

Mix in 1/8 cup crushed candy canes.

Once everything is melted together, spread evenly over bars in prepared pan.

Immediately sprinkle with remaining crushed candy canes, pressing lightly into fudge. Cool until firm, then cover with plastic and place in refrigerator to harden completely. Cut into squares and serve. ❚ Source: Family Features

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Gustafson’s West Serving Our Hometown Since 1928

Super Holiday Sale!

36 Mon ths

0% Inter est 808 W. Riverside Boulevard • 815-636-8608

Flexsteel: Power Double Reclining Sofa Was $2789 Now $2589

Ashley: Double reclining sofa Was $839 Now $599

Southern Motion: Double reclining Sofa Was $2499 Now $2319 Also available in over 200 fabrics and a variety of colors of Leather

England Sofa Was $1399 Now $1299

Choose your firmness in your seating cushions

*

England: “Chesterfield” Sofa Was $4539 Now $3999 Also available in a variety of fabrics

Albany: Over-sized plush Sofa Was $719 Now $669

Here is a Peek Inside the Front Doors of Gustafson’s East!

16

Shop Both of Our Locations Today!

Smart Living Weekly

Dec. 16

!

Gustafson’s East

W NE

Now Open!

6651 East State Street • 815-636-8608

Dining: Liberty: “Farmhouse” Table w/ 4 chairs Was $1229 Now $1079

Ashley Queen Bed: Was $349 Now $279

Dining: Liberty “Harbor View” Table w/ 4 chairs Was $1629 Now $1499

Liberty: Queen Bed Was $1129 Now $999

Flexsteel Queen Bed: Was $1479 Now $1299

England Sectional Was $3229 Now $2899

Come in Today and Shop Hundreds of Beautiful Bedroom, Dining Room,

Living Room, Mattress Sets All with Fabulous, Holiday Sale Prices!

36 Months 0% Interest* at Both Locations Tell them you saw it in ... Smart Living Weekly

*To Qualified Buyers on financed balance over $2,000 with 10% Down. Tax & delivery not financeable.

Dec. 16

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t s e r e t n I % 0

The Place to Find

*

COZY

for your Home

Mon & Fri 10am-8pm Tues-Thur 10am-7pm Sat 10am-6pm Sun 12-5pm

799

Prices Good through Dec. 23, 2015

499 Sofa

Chocolate Sofa 899 Base & Loveseat

Cassidy Lift Chair

Free heat & massage

Dalton Sectional

2799

Queen Bed, 799 Carlton Dresser, Mirror

199 FREE 298 Buy a Queen for

THERE’S NO CREDIT CHECK YOU PAY AS YOU GO PAY IN PERSON,

BY PHONE OR ONLINE

receive a

FREE

boxspring

FREE BOXSPRING SALE

Photos for illustration only. Not responsible for typographical errors. We reserve the right not to honor any incorrect pricing.

Buy a King for

receive

boxsprings

GUSTAFSON FURNITURE • 808 W. Riverside, Rockford, IL • 815.636.8608 • www.gustafsonfurniture.com 18

Smart Living Weekly 16 Preview our secondDec. location at 6651 E. State Street in Rockford today!

The Place to Find

COZY

for your Home

Mon & Fri 10am-8pm Tues-Thur 10am-7pm Sat 10am-6pm Sun 12-5pm

Prices Good through Dec. 23, 2015 Open 24 hours on the web

Find us on Facebook

Ashley 5 Piece Dining Set

Chloe hi-leg recliners starting at

POWER BEDS

TWINS STARTING AT

899

ULTRA COMFORT

LIFT CHAIR

588

549

YOU CHOOSE - 499 EACH

GUSTAFSON'S FURNITURE & MATTRESS I

N

S

T

O

R

E

UPHOLSTERY:

UPHOLSTERY SETS:

BEST: PWR LIFT 1AW21-20029 WAS 1049 NOW 575 ULTRA COMFORT PWR LIFT C HAIR/RECL PL340 WAS 989 NOW 599

ENGLAND STORAGE OTTOMAN 4530 WAS 659 NOW 299 ENGLAND OTTOMAN 5637 WAS 489 NOW 199 NATUZZI SOFA B61900920 WAS 2765 NOW 1799 HGTV 2544-62, 2570-55 SOFA AND OTTOMAN WAS 2439 NOW 1499 ENGLAND LOVESEAT 6206AL WAS 1919 NOW 750 HGTV 2542-52 STUDIO SOFA WAS 1369 NOW 550 HGTV 2560-02 GEMSTONE ACCENT CHAIR WAS 1169 NOW 675 KINCAID CHAIR 167-84 WAS 959 NOW 350 BASSETT CHAIR 3977-12FC WAS 799 NOW 399 BASSETT CHAIR 3999-12FC WAS 899 NOW 499 KINCAID CHAIR 625-84 WAS 1629 NOW 899 ENGLAND CHAISE 1L00-80 WAS 939 NOW 499

UPHOLSTERY SETS:

BROYHILL 4231 SECTIONAL WAS 2029 NOW 1699 ASHLEY CHAIR 6400221 WAS 479 NOW 250 ENGLAND SECTIONAL 1W00 WAS 2180 NOW 1299 BEST WINGBACK CHAIR 0660DC-1 WAS 599 NOW 375 ASHLEY SECTIONAL 7070 WAS 1400 NOW 725 ENGLAND SOFA/LOVESEAT 6205AL,6206AL WAS 3200 NOW 2400 ASHLEY RECLINING SECTIONAL 1080 WAS 3250 NOW 2400 ASHLEY OTTOMAN 8670208 WAS 329 NOW 199 Photos for illustration only. Not responsiENGLAND OTTOMAN 2407R ble for typographical errors. We reserve the WAS 459 NOW 199 right not to honor any incorrect pricing.

C

L

A

S

S

I

F

BASSETT CHAIR 1019-02-LINEN WAS 929 NOW 525

WOOD PRODUCTS:

BASSETT COCKTAIL TABLE 6767-0613 WAS 699 NOW 299 ASHLEY T600-13 ENDTABLES(PAIR) WAS 750 NOW 315 BASSETT DRESSER/MIRROR 2767-0242/0237 WAS 1869 NOW 750 ASHLEY T720 COCKTAIL TABLE W/1 END TABLE NOW 399 ASHLEY 3PK TABLES T165-13 WAS 299 NOW 199 ASHLEY 3PK TABLES T231-13 WAS 299 NOW 199 ASHLEY 3PK TABLES T269-13 WAS 299 NOW 199 ASHLEY 3PK TABLES T140-13 WAS 319 NOW 199 ASHLEY 3PK TABLES T142-13 WAS 305 NOW 199 BROYHILL SOFA TABLE 4812-009 WAS 549 NOW 299

I

E

D

ENGLAND 3PK TABLES H279221/201 WAS 1369 NOW 799 ASHLEY CHEST B429-46 WAS 679 NOW 399 ASHLEY END TABLE T845-3 WAS 429 NOW 175 ASHLEY YOUTH GIRLS NIGHTSTAND WAS 199 NOW 75 ASHLEY NIGHTSTAND B697-92 WAS 499 NOW 195 ASHLEY NIGHTSTAND B246-92 WAS 589 NOW 175 BROYHILL END TABLE 4986-0000 WAS 409 NOW 95 BROYHILL ENDTABLE 4310-002 WAS 369 NOW 125 ASHLEY SOFA TABLE T697-4 WAS 649 NOW 350 ASHLEY DRESSER B562-31 WAS 569 NOW 299 PRIMO FUTON FRAME 2814 WAS 620 NOW 250 FASHION TWIN PLATFORM FRAME B51093 WAS 319 NOW 195 BROYHILL QUEEN STORAGE BED 4444-450 WAS 1500 NOW 599

GUSTAFSON FURNITURE • 808 W. Riverside, Rockford, IL • 815.636.8608 • www.gustafsonfurniture.com Smart Living Weekly 16 19 Preview our second location at 6651 E. State Street in RockfordDec. today!

ths n o 36 M

Open 24 hours on the web

0%

We're So Thankful to Be Your

Home for the

Find us on Facebook

t s e r Inte

*

Holiday

SALE

Prices valid thru

Prices valid through 12/2/15

Wednesday December 9, 2015

Mon & Fri 10am-8pm | Tues-Thur 10am-7pm | Sat 10am-6pm | Sun 12-5pm

Mon & Fri 10am-8pm | Tues-Thur 10am-7pm | Sat 10am-6pm | Sun 12-5pm

IFD BOOKCASES

Twill Chocolate 2 Piece sectional Was $1709 Now $1449 40"

399

55"

449

70"

Albany Sectional

Also available in Chocolate and Beige

Now

499

1099

Albany Sofa: Was $599 Now $509 IFD Console

999

Coaster Dining Table with 4 chairs

Homestretch Reclining Sofa and Loveseat

Now

169

2099

CLEARANCE PRICED!

Albany Sofa: Was $639 Now $539 Albany Chocolate Sofa and Loveseat

Coaster table and 4 banana leaf chairs

Albany Sofa: Was $719 Now $619

899

Now

1589

129 Sofa 249 Ashley Last One! 1499 and Loveseat receive a Buy a Queen for

Ashley Sofa and Loveseat

Coaster White Bunk Bed.

Limited quantity in stock.

Available to order in Black, Red or Blue

699

Ashley Merlot Headboard

199 199 FREE 298 FREE 298 Buy a Queen for

THERE’S NO CREDIT CHECK YOU PAY THERE’S NO AS YOU GO CREDIT CHECK PAYYOU IN PERSON, PAY Italian Leather in a Stress Free BYYOU PHONE AS GO Reclining Motion.

OR PAY INONLINE PERSON, Prices starting at

BY PHONE Photos for illustration only. Not responsible for typographical errors. We reserve the right not to honor any incorrect pricing.

OR ONLINE

FREE BOXSPRING SALE FREE BOXSPRING SALE $2099

Buy a King for Buy a King for

receive a FREE boxspring FREE boxspring receive receive

boxsprings boxsprings

Photos for illustration only.

Not responsible for We reserve Rockford, the right not to honor incorrect pricing.

GUSTAFSON FURNITURE • typographical 808 W. errors.

Riverside, ILany • 815.636.8608

• www.gustafsonfurniture.com $2599 for Sofa and Loveseat.

Several colors to choose from.

GUSTAFSON 808 W. Riverside, Rockford, IL••815-636-8608 815.636.8608 www.gustafsonfurniture.com GUSTAFSON FURNITURE •additional 6651 East State Street6651 www. gustafsonfurniture.com OPENINGFURNITURE SOON in•an location: East State ••Street, Rockford, IL 61108

Hometown Merchant for 87 Years!

36 Months Home Thank You, Open 24 hours on the web

for the

Rockford, for Voting Us Your Number 1 Furniture Store

Holiday

SALE

Prices valid through 12/2/15

Find us on Facebook

0% Interes t

*

Mon & Fri 10am-8pm | Tues-Thur 10am-7pm Sat 10am-6pm | Sun 12-5pm Prices valid thru

Open 24 hours on the web

Wednesday December 9, 2015 Find us on Facebook

Ashley 5 Piece Dining Set

Ashley Reclining Sofa or Loveseat.

YOU CHOOSE - 499 EACH

699each

Available in 3 colors.

Artisan "Antique"

POWER POWER BEDS TWINS BEDS

STARTING AT TWINS STARTING AT

899 899

ULTRA ULTRA COMFORT COMFORT LIFT CHAIR

anyGUSTAFSON incorrect pricing.

Now

1349

GUSTAFSON'S GUSTAFSON'S FURNITURE & MATTRESS FURNITURE & MATTRESS

I N I N UPHOLSTERY: BEST: PWR LIFT 1AW21-20029 UPHOLSTERY: WAS 1049 NOW 575

BEST: PWR LIFT 1AW21-20029 ULTRA COMFORT PWR LIFT C WAS 1049 NOW HAIR/RECL PL340575 LIFT CHAIR ULTRA WASCOMFORT 989 NOWPWR 599LIFT C HAIR/RECL PL340 UPHOLSTERY WAS 989 NOWSETS: 599 BROYHILL 4231 SECTIONAL UPHOLSTERY SETS: WAS 2029 NOW 1699 BROYHILL 4231 6400221 SECTIONAL ASHLEY CHAIR WAS NOW250 1699 WAS 2029 479 NOW ASHLEYSECTIONAL CHAIR 6400221 ENGLAND 1W00 WAS 479NOW NOW1299 250 WAS 2180 SECTIONAL 1W00 BESTENGLAND WINGBACK CHAIR 0660DC-1 WAS NOW375 1299 WAS 2180 599 NOW BEST WINGBACK CHAIR 0660DC-1 ASHLEY SECTIONAL 7070 WAS 599 NOW NOW 725 375 WAS 1400 ASHLEY SOFA/LOVESEAT SECTIONAL 7070 ENGLAND WAS 1400 NOW 725 6205AL,6206AL ENGLAND WAS 3200SOFA/LOVESEAT NOW 2400 6205AL,6206AL ASHLEY RECLINING SECTIONAL 1080 WAS 3200 NOW2400 2400 WAS 3250 NOW ASHLEY RECLINING SECTIONAL ASHLEY OTTOMAN 8670208 1080 WAS NOW199 2400 WAS 3250 329 NOW Photos for illustration only. Not responsiASHLEY OTTOMAN ENGLAND OTTOMAN8670208 2407R blePhotos for typographical errors. reserve the for illustration only.WeNot WAS 329 NOW 199 WAS 459 NOW 199 right not to honor any incorrecterrors. pricing.

ENGLAND OTTOMAN 2407R responsible for typographical WAS 459 NOW 199 We reserve the right not to honor

588 588

Island w/5 drawers

S T O R E C L A S S I F I E D TABLES H279221/201 S UPHOLSTERY T O RSETS: E CBASSETT L A S I F ENGLAND I E3PKD CHAIR S 1019-02-LINEN WAS 1369 NOW 799 WAS 929 NOW 525 ENGLAND STORAGE OTTOMAN 4530 ENGLAND 3PK TABLES H279221/201 BASSETT CHAIR 1019-02-LINEN UPHOLSTERY SETS: ASHLEY CHEST B429-46 WOOD PRODUCTS: WAS 659 NOW 299 WAS679 1369NOW NOW399 799 WAS 929 NOW 525 WAS ENGLAND STORAGE OTTOMAN BASSETT COCKTAIL TABLE ENGLAND OTTOMAN 5637 4530 ASHLEY CHEST WOOD PRODUCTS: ASHLEY END TABLEB429-46 T845-3 WAS489 659NOW NOW199 299 6767-0613 WAS WAS429 679NOW NOW175 399 WAS BASSETT COCKTAIL TABLE ENGLAND OTTOMAN 5637 WAS 699 NOW 299 NATUZZI SOFA B61900920 ASHLEY TABLE T845-3 6767-0613 ASHLEY YOUTHEND GIRLS NIGHTSTAND WAS 489NOW NOW1799 199 WAS 2765 ASHLEY T600-13 ENDTABLES(PAIR) WAS 429 NOW 175 WAS 699 NOW 299 WAS 199 NOW 75 NATUZZI SOFA B61900920 WAS 750 NOW 315 HGTV 2544-62, 2570-55 SOFA ASHLEY YOUTH GIRLS NIGHTSTAND ASHLEY NIGHTSTAND B697-92 WAS 2765 NOW 1799 ASHLEY T600-13 ENDTABLES(PAIR) BASSETT DRESSER/MIRROR WAS499 199NOW NOW195 75 AND OTTOMAN WAS WAS 750 NOW 315 HGTV 2570-55 2767-0242/0237 WAS2544-62, 2439 NOW 1499SOFA ASHLEYNIGHTSTAND NIGHTSTANDB246-92 B697-92 ASHLEY BASSETT DRESSER/MIRROR AND OTTOMAN WAS 1869 NOW 750 WAS589 499NOW NOW175 195 ENGLAND LOVESEAT 6206AL WAS 2767-0242/0237 WAS 2439 NOW 1499 ASHLEY T720 COCKTAIL TABLE WAS 1919 NOW 750 ASHLEYEND NIGHTSTAND B246-92 WAS NOW 750 BROYHILL TABLE 4986-0000 ENGLAND LOVESEAT W/11869 END TABLE WAS409 589NOW NOW95 175 HGTV 2542-52 STUDIO6206AL SOFA WAS ASHLEY T720 COCKTAIL TABLE WAS 1919 NOW 750 NOW 399 WAS 1369 NOW 550 BROYHILL ENDTABLE END TABLE4310-002 4986-0000 TABLE BROYHILL HGTV 2560-02 2542-52 GEMSTONE STUDIO SOFA ASHLEY W/1 3PK END TABLES T165-13 WAS369 409NOW NOW125 95 HGTV NOWNOW 399199 WAS WAS 1369 NOW 550 WAS 299 ACCENT CHAIR BROYHILL ENDTABLE 4310-002 ASHLEY3PK 3PKTABLES TABLEST231-13 T165-13 ASHLEY SOFA TABLE T697-4 HGTV GEMSTONE ASHLEY WAS2560-02 1169 NOW 675 WAS649 369NOW NOW350 125 WAS299 299NOW NOW199 199 WAS ACCENT WAS KINCAID CHAIRCHAIR 167-84 ASHLEYDRESSER SOFA TABLE T697-4 ASHLEY3PK 3PKTABLES TABLEST269-13 T231-13 ASHLEY B562-31 WAS959 1169NOW NOW350 675 ASHLEY WAS WAS 649 NOW 350 WAS299 299NOW NOW199 199 WAS 569 NOW 299 KINCAID CHAIR 167-84 WAS BASSETT CHAIR 3977-12FC ASHLEY DRESSER B562-31 ASHLEY3PK 3PKTABLES TABLEST140-13 T269-13 PRIMO FUTON FRAME 2814 WAS799 959NOW NOW399 350 ASHLEY WAS WAS620 569NOW NOW250 299 WAS319 299NOW NOW199 199 WAS BASSETTCHAIR CHAIR3999-12FC 3977-12FC WAS BASSETT PRIMO FUTON FRAME FRAME 2814 ASHLEY 3PK TABLES T140-13 FASHION TWIN PLATFORM WAS 799 NOW 399 ASHLEY 3PK TABLES T142-13 WAS 899 NOW 499 WASB51093 620 NOW 250 WAS 319 NOW 199 BASSETT CHAIR 3999-12FC WAS 305 NOW 199 KINCAID CHAIR 625-84 FASHION WASTWIN 319PLATFORM NOW 195 FRAME ASHLEYSOFA 3PK TABLES T142-13 WAS1629 899NOW NOW899 499 BROYHILL TABLE 4812-009 B51093 WAS BROYHILL QUEEN STORAGE BED WAS549 305NOW NOW299 199 KINCAID CHAIR 625-84 WAS WAS 319 NOW 195 ENGLAND CHAISE 1L00-80 4444-450 BROYHILL SOFA TABLE 4812-009 WAS 1629 NOW 899 BROYHILL QUEEN STORAGE WAS 939 NOW 499 WAS 1500 NOW 599 BED WAS 549 NOW 299 ENGLAND CHAISE 1L00-80 4444-450 WAS 939 NOW 499 WAS 1500 NOW 599

FURNITURE • 808 W. Riverside, Rockford, IL • 815.636.8608 • www.gustafsonfurniture.com Smart•Living Weekly 16 21 GUSTAFSON 808additional W. Riverside,location: Rockford,6651 IL • 815.636.8608 www.gustafsonfurniture.com OPENINGFURNITURE SOON in•an East State Street, Rockford,Dec. IL 61108

R  O R

Holiday Lights Continued from Cover

Rockford Lights Displays Thanks to the Rockford Park District and the Rockford Convention and Visitors Bureau (RACVB), opportunities abound for families and friends to enjoy a city that’s a little bit brighter.

Once again, Rockford Park District in conjunction with Rockford Fourth of July Committee presents The Holiday Festival of Lights, an annual display of twinkling against the scenic backdrop of Sinnissippi Park, 1401 N. Second St. The festival has grown immensely since it began in 1989 with only 11 displays.

Now, visitors can drive through the park’s winding roads and admire more than 50 dazzling showcases that include Santa Claus, reindeer, snowmen, nativity scenes and more, all sponsored by local businesses and organizations.

“This familiar family favorite

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Smart Living Weekly

continues to change every year,” says Laura Gibbs-Green, public relations manager for the Rockford Park District.

“This year, the end of the route is extraspectacular with special glowing features.

We’re very proud and happy to present this to the public.”

Driving through The Holiday Festival of Lights is free, though donations are appreciated. The displays are aglow on Fridays, Saturdays and Sundays through Dec. 27 from 5-10 p.m., and will stay on all night Christmas Eve and until 10 p.m. on Christmas Day. Visit rockfordfireandice.com for more information.

Just across the street, Nicholas Conservatory & Gardens, 1354 N. Second St., hosts All Aglow Holiday Display through Jan. 6. Sparkling holiday lights and beautiful floral displays enhance the already merry conservatory, while the outdoor grounds are also aglow for the season. Regular admissions charges apply for the display inside the conservatory.

Hours are from Tues.-Fri. 9 a.m.-5 p.m.

Dec. 16

and Sat.-Sun. 10 a.m.-8 p.m.

“The grounds are completely transformed by more than 160,000 lights – it’s really above and beyond this year,” Gibbs-Green says. “Santa and Mrs. Claus often stop by, and the tropical backdrop provides a magnificent scenery for family photos, making this a great event for families to enjoy together.”

Visit nicholasconservatory.com for more information.

Crossing the river, RACVB’s Rockford River Lights is brightening the downtown cityscape through Jan. 2. A palate of brilliant color that’s noticeable from near and far illuminates the riverside every evening from Thursday through Saturday, from 4:30-11 p.m. On these evenings at 5:30, 6:30 and 7:30 p.m., light shows choreographed to music can be seen free of charge.

“Viewing is best from the walking path that makes its way through the light show on the west bank of the Rock River between the State and Jefferson

street bridges,” says Josh Albrecht, director of marketing for the RACVB. “River Lights illuminates downtown Rockford’s riverbanks in a way the community hasn’t experienced before.

The sight will take your breath away.”

Visit rockfordriverlights.com for more information.

Walk The Gardens in Janesville The Holiday Light Show at Rotary Botanical Gardens, 1455 Palmer Drive, in Janesville, returns for its 20th year with more to see than ever before.

More than 20 acres of the gardens glow with 370,000 lights, 100 decorated trees, animated displays, local music, seasonal food and drink, and more. This year, visitors can follow illuminated colored milk cartons and explore the new Woodland Walk path. The new route, which extends the walkway from the Observation Pier to the Gazebo Garden, is filled with displays of colorful Cover photo Jesse Fox, Rockford Park District

gingerbread men, penguins and more.

This year’s light show also includes more interactive elements, such as a series of “selfie stops” where visitors can take photos and enter their images into the Gardens’ Facebook and Instagram photo contest. Young ones can explore the child-size Santa house and elf workshop. On select evenings, local entertainers will perform carols along the paths to add to the holiday cheer.

“Most of the other area light shows, while beautiful, are made to be driven through, but ours is one of the few walkthrough light shows in this region,” says Susan Melton, marketing director. “So, it’s a very interactive experience and can be very powerful. You feel totally immersed in the beauty of the lights.”

Open from 4 to 8 p.m., this year’s light show promises special events on select weekends in December. The 200foot electric model train display, created by the Wisconsin Garden Railway Train Society, will be open to viewing Dec.

Photo by Marsha Mood

R  O R

17-23 and on Dec. 26. A free shuttle service from Dawson Field is available from Dec. 17-23 to accommodate extra visitors. Santa makes an appearance around 5:30 p.m., from Dec. 19-23; guests are encouraged to take their own photos.

On Dec. 21 and 22, live reindeer join the festivities in the Reception Garden. After Christmas, there’s just one weekend to see the light show, on Jan. 2 and 3.

Tickets cost $5 and can be purchased online or in person. Admission is free for children age 2 and younger. For additional details and to check weatherrelated show cancellations, visit rotarybotanicalgardens.org. ❚

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Top 10 Health Benefits of Getting Physical A erobic exercise is a moderate level of activity for an extended period of time – jogging, biking, swimming, stair climbing, treadmill, for example. Regardless of age, weight or athletic ability, aerobic activity is good for you.

According to Dr. Marek Bentkowski, Family Practice Physician at NorthPointe Clinic, in Roscoe, Ill., as your body adapts to regular exercise, it will get stronger and more efficient.

Here are 10 great reasons to make sure you get aerobic exercise: 1.

2.

3.

4.

5.

Keep excess pounds at bay. Combined with a healthy diet, aerobic exercise helps you to lose weight.

Increase your stamina. Over the long term, you’ll enjoy increased stamina and reduced fatigue.

Ward off viral illnesses. Exercise activates your immune system, leaving you less susceptible to colds and flu.

Reduce health risks. Reduce your risk of obesity, heart disease, high blood pressure, type 2 diabetes, stroke and certain types of cancer.

Manage chronic conditions. Exercise lowers your blood pressure and controls your blood sugar.

6.

Strengthen your heart. A stronger heart pumps blood more efficiently.

7. Keep your arteries clear. You will boost your “good” cholesterol (HDL) and lower the “bad” (LDL).

8. Improve your mood. Exercise can ease depression and reduce tension.

9. Stay active and independent as you get Dr. Marek older. Activity helps to maintain mobility Bentkowski and keeps your mind sharper.

10. Live longer. Those who exercise live longer than those who don’t exercise regularly.

NorthPointe Wellness, 5605 E. Rockton Road, Roscoe, Ill., offers state-of-the-art fitness equipment, a lap pool, indoor and outdoor tracks and an array of group exercise classes.

In addition, members have access to a team of certified fitness specialists, dietitians and health educators who can help to develop personalized fitness and rehabilitation programs. Call (815) 525-4900 for information. ❚ Source: NorthPointe Wellness

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Y F

Artists’ Ensemble Holiday Theater Dec. 18-19, 7:30 p.m. Enjoy a performance of “The Night Before Christmas” and “My Favorite Wife.” Rockford University, Cheek Theatre, 5050 E. State St., Rockford, (815) 3945004, artistsensemble.org.

Rockford Red Heel Sock Dolls Dec. 19, 11 a.m.-4 p.m. Visitors ages 5-19 can make their own dolls celebrating the many faces of Rockford’s historic community. Midway Village Museum, 6799 Guilford Road, Rockford, (815) 397-9112, midwayvillage.com.

12 Bars of Christmas Pub Crawl Dec. 19, 2-10 p.m. Embrace holiday revelry as you wind your way through 12 downtown Rockford bars and restaurants. $25. Kick-off at Prairie Street Brewhouse, 200 Prairie St., Rockford, (815) 963-8111, gorockford.com/ merryandbright.

Holiday Pops Dec. 19-20, Sat. 7:30 p.m., Sun. 3 p.m. Celebrate the holiday season with Rockford’s biggest holiday tradition. The Mendelssohn Chorale joins the RSO to bring you the best music of the season, from popular to traditional and sentimental to serious. Coronado Performing Arts Center, 314 N. Main St., Rockford, (815) 965-0049, rockfordsymphony.com.

“Snowflakes On Ice” Dec. 20, 4-6 p.m. Watch The Rockford Skating Club perform to favorite Christmas songs.

Carlson Ice Arena, 4150 N. Perryville Road, Loves Park, Ill., rockfordskatingclub.org.

Holiday Hoopla Dec. 21-30, Mon.-Wed. 11:30 a.m.-3:30 p.m.

Vote for your favorite cookie, fashion an ornament, construct a colorful kaleidoscope, more. Discovery Center Museum, 711 N. Main St., Rockford, (815) 963-6769, discoverycentermuseum.org.

Kids Winter Day Out Dec. 21, 9 a.m.-2 p.m. Kids in grades 1-5 can hike, drink hot chocolate, play games and participate in art activities. Severson Dells Nature Center, 8786 Montague Road, Rockford, (815) 335-2915, seversondells.org.

“The Muppets Christmas Carol” Dec. 21, 5 p.m. The Muppets tell their version of the classic tale of an old miser’s redemption

The Harlem Globetrotters take the court at BMO Harris Bank Center, in Rockford, on Dec. 27.

on Christmas Eve. Enjoy pizza, a movie and a craft. Registration req. The Nordlof Center, 118 N. Main St., Rockford, (815) 963-3341, rockfordpubliclibrary.org.

“Bethlehem” Christmas Movie Screening Dec. 22, 7 p.m. Celebrate Christmas early with “Bethlehem,” a dark comedy about a family that is falling apart around the holidays. The Nordlof Center, Rockford, bethlehemthemovie.com.

Harlem Globetrotters Dec. 27, noon. Celebrating 90 years of providing smiles, sportsmanship and service to millions of people worldwide, the world-famous Harlem Globetrotters deliver an unrivaled family show.

BMO Harris Bank Center, 300 Elm St., Rockford, (815) 968-5222, thebmoharrisbankcenter.com.

New Year Around the World Dec. 31, 10 a.m.-3 p.m. Visit displays of authentic items from other cultures, watch performances of folk dances and discover New Year’s traditions from around the world. Burpee Museum of Natural History, 737 N. Main St., Rockford, (815) 965-3433, burpee.org.

Countdown to Fun! Dec. 31, 12:30-4:30 p.m. Design a party hat, create a noisemaker and cheer as confetti showers you each hour, in a countodwn to midnight around the world. Discovery Center Museum, Rockford, (815) 963-6769, discoverycentermuseum.org.

Classic Film Series: 1916’s Greatest Actors Jan. 6, 1 p.m. & 7 p.m. This series features films with actors born in 1916. Watch “Robin Hood” (1933) starring Olivia de Havilland and Errol Flynn. Lindo Theatre, 115 S. Chicago Ave., Freeport, (815) 233-0025, classiccinemas.com. ❚

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WDL

Restaurant of the Week

Merrill & Houston’s Steak Joint Sizzles

By Paul Anthony Arco, senior staff writer

B

eloit’s rich history comes alive at Merrill & Houston’s Steak Joint, 500 Pleasant St. “It’s a tribute to our city’s past and the industry leaders who created Beloit,” says Jayme Braasch, the restaurant’s general manager. “We want people to feel like they can really connect with Beloit.”

Named after Orson Merrill and George Houston, who founded Merrill & Houston Iron Works in 1858 (later Beloit Ironworks and eventually the Beloit Corporation), the restaurant itself is a tribute to the past.

The bar, for example, was constructed with wood gathered from a house that once stood on the property of the Iron Works.

Leather seats, hardwood floors and many historic photographs lining the walls give the space a vintage feel.

As the name implies, the restaurant features mouth-watering steaks along with a full-service menu of fish, chicken and

Top Picks for Local Restaurants Arturo's Mexican Restaurant E Casual/Authentic Fresh Mexican. 107 W. Main St., Poplar Grove, Ill., (815) 765-1144.

LD M 11am-8pm; Tue-Th 11am-9pm; Fri 11am-10pm; Sun noon-8pm. $.

Bravo Pizza E Italian/American. 376 Prairie Hill Rd., South Beloit, (815) 624-7900. LD Sun-Th 11am-10pm, F-Sat 11pm. $.

Cannova’s Italian Cuisine E Casual. 1101 W. Empire St., Freeport, (815) 233-0032. D T-Th, Sun 5-9pm; F-Sat 10pm. $-$$.

Ciao Bella Ristorante E Upscale-Casual/Italian-American.

Extensive wine list; daily specials. 6500 E. Riverside, Loves Park, (815) 654-9900. LD M-F 11am-9pm, Sat 5-9pm. $$.

Costa’s Ristorante E Upscale-Casual. 133 Blackhawk Dr., Byron, Ill., (815) 234-4707. Open daily 4pm. $-$$.

Dos Reales E Casual/Mexican. Authentic Mexican fare, lunch menu. 5855 E. State St., Rockford, (815) 227-4979. LD Sun-Th 11am-10pm, F-Sat to 10:30pm. $-$$.

Ebeneezer Brown Eatery & Pub E Casual. American classics.

4866 Bluestem Road, Roscoe; (815) 270-1213. LD Mon-Sat 11am-12am, Sun. 11am-10pm. $-$$.

Giordano’s Famous Stuffed Pizza E Casual/Italian. Pick-up/ delivery. 333 Executive Pkwy., Rockford, Ill. (815) 398-5700.

LD Sun-Th 9am-11pm; F-Sat to midnight. $.

JMK Nippon Japanese Restaurant & Sushi Bar E Upscale-

seafood. Specialties include seafood Alfredo, duck a l’orange, and broiled pike almondine, complemented by a toasted almond lemon butter.

“We offer something for every customer,” says Braasch.

Steak cuts include rib-eye, porterhouse and New York strip, along with petite filet, Manhattan steak, and ribeye mignon. Half sizes are available.

All steaks are seasoned and topped with buttered mushrooms and crispy thin onion rings. And for an additional $7.95, each can be topped with crab, asparagus and Béarnaise, for a traditional Oscarstyle steak.

Merrill & Houston’s hosts many special occasions such as birthday parties, reunions and wedding receptions. The main dining room seats 120 and the banquet room can accommodate 200 guests.

Jayme Braasch

“Fine dining is alive and well, and continues to grow,” Braasch says. “As long as you have quality food, excellent service and a great atmosphere, you can’t go wrong. People want a nice night out. That’s never going to change.”

Merrill & Houston’s Steak Joint is open daily at 4 p.m. ❚

In the Spotlight Casual. Food cooked tableside. 2551 N. Perryville, Rockford, (815) 877-0505. L T-F 11:30am-2pm, Sat 2:30pm; D M-Th 5-9:30pm, F-Sat 10:30pm, Sun 4:30-9:30pm. $$.

Main Street Bistro E Casual/Fine dining. Th&Sat. 109 S. Galena, Freeport, (815) 232-2322. M-Sat 2pm-midnight. $$.

Maciano’s Pizza & Pastaria E Casual. Beer/wine. 6746 Broadcast Pkwy., Loves Park, (815) 963-7869. LD Sun-Th 11am-10pm, F-Sat 11pm. $$.

Maxson Riverside Restaurant E Casual/American. 1469 IL Route 2, Oregon, Ill., (800) 468-4222. LD M-Sat 11am-8pm, Br Sun 10am-3pm. $$.

Merrill & Houston’s Steak Joint E Fine Dining. Ironworks Hotel, 500 Pleasant St., Beloit, Wis. (608) 313-0700. D Sun.Th 4:30-9pm, Fri-Sat. 10pm. $$.

Napoli Pizzeria III & Top Dollar Slots E Takeout/delivery.

6560 N. Alpine, Loves Park, (815) 877-9888. LD daily 11am.

Prairie Street Brewhouse E Upscale-Casual/American. 200 Prairie St., Rockford, (815) 277-9427. LD Sun-W 11am-10pm, Th to midnight, F-Sat to 2am. $-$$.

Tavern on Clark E Casual/American. 755 Clark Ave., Rockford, (815) 708-7088. LD daily 10am. $-$$.

This Is It Eatery E Casual/American. 16 N. Chicago Ave., Freeport, (815) 616-5449. LD T-Th 11am-8pm, F-Sat 10pm. $.

Vito’s Ristorante E Casual/Authentic Italian. 1620 N. Bell School Rd., Rockford, (815) 312-5080. LD T-Sat 11am. $$. ❚

T

Ciao Bella

his authentic Italian restaurant, at 6500 E. Riverside Blvd., Loves Park, Ill., has been family-run since it opened in 2008.

“We serve home-cooked Italian food with deep red sauces, hearty soups and homemade pastas, and it all starts in the kitchen,” says owner Talia Castrogiovanni.

Heading up the kitchen is brother Nikko, who joined the business about two years ago.

The bar features drink and appetizer specials Mon.-Fri., 4-6 p.m. Menu specialties include pizza, pasta, salads and seafood.

For lunch, Ciao Bella offers an express lunch of sandwich and endless soup for $7. “Business people can get their meal within 10 minutes and still make it back to work within the hour,” says Castrogiovanni. Dinner prices are $12 to $25.

Ciao Bella is open Mon.-Fri. 11 a.m.-9 p.m., and Sat. 5-9 p.m. ❚

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T  I

Easy Gift Wrap

H

ow a gift looks on the outside is often what builds the most excitement.

“Using the right tools – such as a sharp pair of scissors and Scotch GiftWrap Tape that disappears onto the paper – helps create the perfect basic wrap that you can take to the next level with personalized embellishments,” says Jenni Radosevich, DIY expert and founder of the I Spy DIY blog.

Here are a few easy adornments: For teens: Create your favorite emojis by cutting shapes out of construction paper and using double-sided tape to create faces.

For kids: Use candy in place of bows and ribbons. Wrap with solid paper and tie bakers twine around the gift.

For grandparents: Create a throwback to simpler times. Wrap the gift in solid black or white paper and embellish with tissue paper or coffee filters to add texture.

For more gift-wrapping tips and tricks, visit ScotchBrand.com.

Source: Family Features

Mortgage Advisor 15 Yr Fixed

Lenders Byron Bank

Rate

byronbank.com

APR*

(815) 234-2561 Mo. Payment*

30 Yr Fixed

30 Yr Jumbo FHA/VA & ARM

3.06%

3.89%

3.625%

$988.20

$674.58

$661.24

3.439%

4.48%

4.674%

Please Call

Smart Living Weekly Magazine’s Mortgage Advisor is intended to provide you with a guide to securing the mortgage you seek. Quoted rates are supplied by the institutions (as of Dec. 14, 2015) and can change daily. Interest rates and monthly payment installments are based on a $150,000 loan with a 5% down payment and 0 points; FHA with a 3.5% down payment and 0 points. APR is based on a good faith estimate of prepaid finance charges. Your APR will vary according to the specifics of your transactions. Contact the bank, credit union or S&L directly for their most current rates. The mortgage rate you obtain will be based upon your credit rating, loan amount and standing with that particular financial institution. * APR = Annual Percentage Rate. Mo. Payment = The monthly principal and interest payment.

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Y O

Winter Revelry in the Heart of Wisconsin

By Lindsey Gapen

T

here’s no better way to embrace winter weather than to visit Wausau, Wis. Great skiing, snowboarding and other fun recreation awaits at the city’s crown jewel: Granite Peak Ski Resort, located in Rib Mountain State Park off Wisconsin Highway 29.

“Wausau is beautiful this time of year,” says Vicki Baumann, the general manager of Granite Peak. “You’ll never forget the incredible view of Lake Wausau from the top of the mountain.”

Granite Peak has more than 70 runs on a 700-foot mountain, making it a great getaway for snowy recreation. Various family packages, college-student discounts and child discounts are available.

This winter, a Family Festival Weekend occurs Feb. 5-7, during which families can enjoy live music, horse-drawn wagon rides and Saturday-night fireworks. In the midst of all the fun, Mardi

Gras Festival happens on Feb. 6, with hurricane drink specials and Cajun food from Granite Peak’s outdoor grill.

From Feb. 12-15, Granite Peak celebrates a four-day Presidents Weekend with extended ski hours and live music.

German Fest, happening Feb. 20, brings German beer and food specialties.

“Granite Peak has so much to offer, it’s difficult to get the full experience in just one day,” Baumann says. “Also, there’s always something fun happening in Wausau, so you can ski or snowboard all day before enjoying some great shopping and dining in the city.”

Baumann recommends a stop at Carmelo’s Italian Restaurant, 3607 N. Mountain Road, Wausau.

As for accommodations, Jefferson Street Inn, 201 Jefferson St., provides a luxurious and cozy overnight stay. Not only can guests take advantage of a com-

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The family-friendly slopes at Granite Peak Ski Resort, in Wausau, Wis., welcome skiers of all abilities.

plimentary shuttle ride from the Inn to Granite Peak, but they can also enjoy fireplaces, full kitchens, kid-friendly entertainment, an indoor swimming pool, spa service, an on-site restaurant and much more. ❚

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Y M

Last-Minute Tax Adjustments Save Money A s 2015 comes to a close, it might be prudent to consider making adjustments to manage your tax liability.

Compare your income now with what you anticipated when you set up your 2015 tax withholding or estimated tax payments. Is the income what you expected? More? Less? If more, do you need to increase your withholding or your estimated payments to ensure you’re not under withheld and subject to penalties?

Remember, there’s a withholding safe harbor that allows you to pay either 100 percent of your prior year tax liability or 90 percent of your current year liability to avoid penalties. For those who make more than $150,000, the safe harbor is met when you pay 110 percent of your prior year tax liability or 90 percent of your current-year liability.

Also note that if you are making estimated payments, the final payment is due Jan. 15, 2016. Assuming your income for

the year is evenly distributed, this should be the final of four equal estimated tax payments.

If your income is not evenly distributed over the year, then making estimated tax payments is more complex. The tax system is a payas-you-go regime and you cannot backload your estimated taxes. Failure to make estimated payments mirroring the timing of your income will result in IRS penalty and interest charges, notwithstanding that you have had the appropriate amount withheld for the full year.

Taxpayers with wage income and who have withheld less than they should have for 2015 should consider paying more tax by adjusting withholding immediately. Because any tax paid through employer withholding will be treated as though it was paid evenly throughout the

year, you may reduce the amount under withheld in the past by increasing the amount currently withheld.

If you are under withheld and neither your spouse nor you works for an employer, then pay the under-withheld portion as soon as possible. Each day you are under withheld adds to IRS-imposed penalties and interest. ❚

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Source: Brandpoint

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