January / Febuary 2015 by Pocono Magazines

Pocono Magazines, LLC

Pocono Magazines

publishing Pocono Living Magazine© & Pocono Family Magazine© each 6 times per year.

Pocono Living

1929 North Fifth Street Stroudsburg, PA 18360 570-424-1000 pmags@ptd.net

Magazine and Pocono Family Magazine, two

PUBLISHER/EDITOR Larry R. Sebring

regional publications

CREATIVE DIRECTOR/EDITORIAL ASSISTANT Barbara McMahon

filled with articles,

ASSISTANT CREATIVE DIRECTOR Terri Shelow

features and photography exploring and capturing the real Pocono Mountains living experience. Our publications

WEB DESIGN/DIGITAL ISSUES Graphicus Design, LLC

GRAPHIC DESIGNERS Amanda Belanger Devesh Ramdeo

CONSULTANTS Dr. Jonathan A. Goldner, DO, FCCP, FCCM Suzanne F. McCool, M.C. Commissioner

PHOTOGRAPHY & ART Andrea Rimberg Andrei Protsouk Doug McNeill Lisa Newberry James Chesnick James Smeltz Marlana Holsten Matt Siptroth Vinzon Lee

CONTRIBUTING WRITERS Roseanne Bottone Dr. Jonathan Goldner Kathy Dubin-Uhler Pete Pappalardo Amy Leiser Suzanne McCool

can be found at

ACCOUNT REPRESENTATIVE Linda Zak/484-264-7915

many locations

ADMINISTRATIVE ASSISTANT Mandy Cunard

throughout the Pocono

Proud Members of

Mountains region, and are available by subscription.

JACOB STROUD atershed A W

ciation sso

Pocono Mountains Visitors Bureau

Brodhead

CORPORATION

The information published in this magazine is believed to be accurate, but in some instances, may represent opinion or judgment. The publication’s providers do not guarantee the accuracy or completeness of amy of the information and shall not be held liable for any loss or damage, directly or indirectly, by or from the information. © 2013 Pocono Magazines. All rights reserved. No part of this publication may be copied, reproduced or transmitted in any form or by any means without the expressed written permission of the publisher.

2 POCONO FAMILY MAGAZINE© JANUARY/FEBRUARY 2015

January/February 2015

What’s Inside

FAMILY Newton's Law of Children 4 by Pete Pappalardo

FOOD One Last Indulgence 8

BUSINESS How to Dress for Success 10

TRAVEL

Sailing Escape 12 by Roseanne Bottone

COMMUNITY

Outdoors in the Poconos 16

HEALTHY LIVING

It's All in your Head 20 The Cold Facts 22 by Dr. Jonathan A. Goldner Healthy Winter Skin Care Tips 26

PETS House Training Your Puppy 28

LEGAL ADVISOR Traffic Tickets 32 by Janet Marsh Catina

OVER 55 Insurance Needs for Seniors 34 by Camille Capriglione

PARTING SHOT

"McMichaels Creek" 36

16 JAMES CHESNICK

JANUARY/FEBRUARY 2015 POCONO FAMILY MAGAZINE© 3

Family

Newton's Law of Children BY PETE PAPPALARDO

OST OF US have heard of Isaac Newton, the poor guy that got beaned on the head by an apple and came up with some pretty inscrutable ideas like the PIAA, the IRS, calculus and the first theory of relatives. Unfortunately, Newton used a number one pencil, and some of his notes got smudged, so all we remember is the apple, and gravity, and maybe that funky wig all those guys wore back then, not to mention those stockings. As a father of four, I have become an expert on deciphering notes smudged by jelly, mud, grass, WD-40, and whale oil (don’t ask). So when I had the opportunity recently to review Mr. Newton’s notes, you can imagine my surprise to discover that he also knew something about kids. Although my memory of physics and calculus might be described as suspect, I discovered a forgotten Newtonian principle scrawled in the margin, besmeared and neglected, that has been lost to the ages, but that every parent knows.

4 POCONO FAMILY MAGAZINE© JANUARY/FEBRUARY 2015

Kids expand to fill all available space. That explains why I built a 500 square foot, two story addition to my home, with a sound-attenuated playroom complete with enough cabinet space to store all my kids' toys and the space shuttle to boot, as long as it didn’t open its doors. With apologies to authors (allegedly) dead, the room was a clean, well-lit space. At least it was when I built it. And for about three weeks, you could barely blast those kids out of there with a super-soaker loaded with Dr. Pepper (helpful hint: fun to do, but do not try this at home unless you are a trained professional and you own stock in Scotch-Gard).

Dale's

serves fresh food 8am - 4pm every day • Route 611 Bartonsville dalescafeandgrill.com

My wife and I congratulated each other on our uncanny ability to manage youngsters while we ate chateaubriand and toasted each other with champagne in the adjoining kitchen. Or maybe it was some kielbasa and a no-cal sparkling water—really, at this stage in a marriage, it’s the thought (or maybe the delusion) that counts.

Then, suddenly, they were back. They swarmed over our legs like, well—like a bunch of kids. We thought it was just an aberration, and so we moved our command center upstairs to the “master bedroom” located over the playroom, the room I had dreamed would become our little oasis. I imagined that it would be a place where we could loll about and get “centered”, which, as far as I could determine from numerous interviews on the west coast, entails sitting around with a dreamy look on your face and ignoring almost everything, including those dang cars with bass speakers large enough to raise wigs, the dead, or even Al Gore. Well, it was not to be. Oh, it started out innocently enough. The kids would stop by to visit. Maybe they’d bring a nice bundt cake, proof that my wife was instilling in them some manners and decency and all those other good things guys forget as soon as the NFL season starts. But before long, they were bouncing on the bed, grabbing the remote to put on Nickelodeon or the Destructo channel, and swinging off the ceiling fan, which apparently was only rated for recreational use by individuals under forty pounds.

➔

www.poconoymca.org

Acorns to Oaks PRESCHOOL

Trusted professionals caring for and teaching the ones you love since 1996. 125 Rose St., Scotrun, PA 18355 (off of Route 611, just north of Tannersville)

570-629-9069 JANUARY/FEBRUARY 2015 POCONO FAMILY MAGAZINE© 5

FAM ILY

Dr. William Martin ChiropraCtiC It’s Easier to Stay Well than to Get Well Maintain your Health through Chiropractic

1015 Congdon ave. Stroudsburg, pa 18360

570-421-2977 Adjusting to the Flow of Health

431 Main Street • Stroudsburg, PA 18360 Phone: 570-424-6431 • Email: rsr1@ptd.net www.readysetrunpoconos.com

Specialists in Running & Walking 6 POCONO FAMILY MAGAZINE© JANUARY/FEBRUARY 2015

Well, I had to admit this was not what I had expected. So I did what any trained professional would do. I squinted my eyes in a scientific manner and considered all the evidence. When I was finished, I had to draw a harrowing conclusion, one of the occupational hazards of being a highly trained scientist.

“Children are, if nothing else, cunning little devils”

“Darling," I said, (always a good beginning when you are breaking bad news, by the way), “I have drawn a harrowing conclusion. We are being stalked!” “Who would be dim enough to stalk somebody that spends all their time watching TV? And what in blazes is wrong with your eyes?” Well, I did my best to explain that it was our own children that were stalking us, but I could tell that she was unconvinced. It didn’t help that, at just that moment, one of them brought in her favorite desert, a very nice strawberry parfait. Children are, if nothing else, cunning little devils. Anyhow, this law (let’s call it Newton’s “Law of Maximum Insanity” or LOMI) also explains why there is virtually no functional difference between one child and seven children, except to people without children (PWOC). Just as Newton’s cousin, Albert Einstein, deduced (JANCAED), there are constants in this universe. One is that the Chicago Cubs will not win the Series (NOCUBS). Another is that New Yorkers seldom move east (NYWET). Of course, there is the light-constant thing, but nobody understands that one. Another constant is that there is only so much insanity available at any point in space and time, and kids will find and use it all, whether there are 2 of them or 20. Of course, if you happen to work with infantile folks, that could also explain a lot about your daytime life, but that’s another story entirely.

The proof of this is the amazing expansion of the wild child when the phone rings. One moment, all is peaceful: the eldest is doing his homework, son 2 is watching “Angry Beavers”, son 3 is blissfully playing with Leggos; the youngest is flying his f-16 on strafing runs against the hideous Cat-ra, who is trying hard to practice the art of not being seen, and scratching up the vinyl pretty badly in the process. You are ensconced in the comfy chair, reading the news, wondering about why they have Braille on the drive-in windows at the bank, when the phone rings. You get up and answer it, and it turns out that the lead you’ve been working on for four months is finally ready to bite, and you are itching to set the hook. That’s when the slats get kicked out of your cradle. In a nanosecond, (that’s the length of time it takes for one kid to realize the other one got a bigger piece of cake), all four kids are screaming, running with scissors, playing with matches, riding the cat, and generally wreaking havoc. They have subconsciously recognized that you are no longer a factor in the room—you are “in conversation,” a place where adults go, and then completely cease to actually function in the real world. Of course they’ll take advantage. Doctor’s Obsessed with Children (DOC’s) will tell you that your child is trying to call you back to them. So the next time that really important call comes in, the one that could mean the difference between high times and baked beans, and your house suddenly erupts into sounds like the wild kingdom, don’t get too mad. Maybe they just want to hang with the ‘rents. Join me in Stroudsburg.

If all else fails, bean ‘em with an apple. Just look what it did for Newton. P

Michael J Frailey Frailey Insurance and Financial Services (570) 421-7447 www.fraileyinsurance.com

Stroud Television & Appliances Peter Pappalardo, writer, teacher, outdoorsman and musician, was born in East Stroudsburg General Hospital, and spent his youth in Shawnee-0n-Delaware when route 80 was just a twinkle in President Eisenhower’s eye. He received his doctorate from Indiana University of Pennsylvania only moments before he retired from teaching, ensuring that his vast resultant knowledge wouldn’t subsequently harm his students. He is the author of two novels, Bluegrass and The Compleat Dartshooter, both of which chronicle life in East Pennsylvania. Samples of his meanderings can be seen at his website, www.Bluegrasschronicles.com. He is proud to be implicated in raising four fine sons, all of whom fortunately favor their sainted mother.

219 N. 9th Street Stroudsburg, PA

570-421-7700 www.StroudTVandAppliances.com JANUARY/FEBRUARY 2015 POCONO FAMILY MAGAZINE© 7

Food

One Last Indulgence Before Your New Year’s Resolutions Kick In

the only authentic irish pub in the poconos Siamsairishpub.com • 570-421-8434 636 Main St. Stroudsburg, pa 18360

GARY’S MEAT MARKET

• Fresh Turkeys • Double Smoked Bacon • And Other Holiday Specialties

FTER WEEKS of yuletide indulgence, it’s time to think about New Year’s resolutions. Before jumping the gun on a regimen of deprivation, indulge one last time. Forget cronuts, cake pops and cupcakes. There’s another chic pastry that deserves its day -- the madeleine! These classic seashell-shaped cakes were named after their creator, Madeline Paulmier, by King Louis XV in the 18th century, so the story goes. To make these dainty, distinctive treats at home, check out awardwinning baker Barbara Feldman Morse’s new cookbook, “Madeleines: Elegant French Tea Cakes to Bake and Share,” featuring more than seventy recipes that use a simple one-bowl method. This scrumptious recipe for Dark Chocolate Espresso Madeleines is best served warm with a scoop of vanilla ice cream, and yields 24 madeleines: More information can be found at www.quirkbooks.com/book/ madeleines. For one final fantastic treat before your resolutions kick in, whip up a batch of madeleines. P

Quality Choice and Real Hickory Smoked Meats For Holidays, Gift Giving and Special Ocassions (Gift Certificates Available)

Hours: Monday thru Friday 9 to 6 Saturday 9-5 1411-B Chipperfield Drive Stroudsburg, PA 18360

Phone: 570-420-9764

Join us at the Cinder for our fantastic Lunch Specials

Cinder Inn

and

Taco Saturday and

Karaoke 10pm

www.cinderinn.com

91 Mill Creek Rd East Stroudsburg Pa 18301 • 570-421-1425

8 POCONO FAMILY MAGAZINE© JANUARY/FEBRUARY 2015

CONTENT: STATEPOINT

Chocolate Expresso Madeleines Ingredients • 12 tablespoons unsalted butter • 1 cup granulated sugar • 1 cup semisweet or bittersweet chocolate chips (or 4 ounces chopped semisweet chocolate) • 1 tbsp instant espresso powder dissolved in 1⁄3 cup warm water (or 1⁄3 cup strong black coffee, or 2 tablespoons instant coffee crystals dissolved in 1⁄3 cup warm water) • 2 large eggs, room temperature • 1 cup all-purpose flour • 2 cups semisweet chocolate chips Madeleine Directions • Place a rack in the center of the oven and preheat to 325 degrees F. Coat two 12-shell pans with baking spray, or melt an additional 4 tablespoons butter and brush a little in each mold. • Place butter, sugar, chocolate and espresso in a twoquart microwavable glass bowl. Microwave on low for one to two minutes. Then stir mixture with a whisk until smooth. If butter isn’t melted, microwave for 15-second intervals, stirring after each, until smooth. (Alternatively, combine these ingredients in the top of a double boiler over simmering water and stir with a whisk until smooth. Remove from heat.)

Cherry’s Restaurant

Kresgeville

featuring

OPEN LATE!

Large Selection of IPA & Craft Beers Daily Dinner Specials

Flat Breads Soups & Salads Tapas Slider Sandwhiches Live Entertainment Every Weekend! Route 209 South Downtown Kresgeville 610-681-4482

CherrysFamilyRestaurant.com

• Let mixture cool for three to four minutes. Then add eggs, one at a time, whisking after each addition until completely blended. Add flour and cocoa, whisking thoroughly. The mixture should be very dark, thick and shiny. • Using a 1 1⁄2-inch-diameter scoop or teaspoon, fill shell molds with batter until almost full. Gently press batter to distribute evenly. • Bake for 10 to 13 minutes, until madeleines puff up and no shiny spots remain in centers. Small cracks may appear, but be careful not to over-bake. • Remove pans from oven and let cool on a wire rack for two to three minutes, then invert and tap madeleines onto the rack. Let cool completely. Chocolate Glaze Directions • Place chocolate in a 2-quart microwavable glass bowl or measuring cup. Microwave on low for one to two minutes. Stir with a whisk until smooth. If chocolate isn’t melted, microwave for 15-second intervals, stirring after each, until smooth. • Place waxed paper on a cookie sheet or large wire rack. Hold madeleines by their narrow ends and dip onethird in the warm chocolate glaze. Scrape the flat side along the side of the bowl to remove excess. Place on the waxed paper and let glaze set, 30 to 60 minutes

Est.

1964

Barber Shop 178 N. Courtland Street East Stroudsburg, PA 570-421-1412 FREE PARKING IN REAR

JANUARY/FEBRUARY 2015 POCONO FAMILY MAGAZINE© 9

ROVITO’S HOLIDAY SPECIAL From the super casual to the luxurious camel hair, we have coats that go with everything.

Super Priced

$169 $169 $259 and up! from

from to

585 Main Street Stroudsburg, Pennsylvania (Inside Dunkelberger’s for Men) 570.424.3100 www.rovitosfinemensclothing.com

Business Business

How to Dress for Success in the New Year

the

Dressing Room pretty clothing Iridium Cut Loose Pacificotton Uru Comfy USA Bryn Walker Flax Latico Stella Carakasi Oh My Gauze! + more

114 Washington St. East Stroudsburg, PA 570-420-0994 T-F: 10a-5p Sat: 10a-4p Su-M: closed

www.TheDressingRoomPA.com 10 POCONO FAMILY MAGAZINE© JANUARY/FEBRUARY 2015

CONTENT: STATEPOINT

HEN IT COMES TO PROFESSIONAL SUCCESS, the way you present yourself in the workplace should complement the quality of your work. Whether you’re looking to advance your career or simply make a great impression, a useful New Year’s resolution is to refine your office look and style -- take everything into account, your wardrobe, your accessories and your workspace.

Wardrobe You may not have the top job yet, but the old adage holds true -- dress for the job you want, not the one you have. If budget is an issue, don’t sweat it. Online coupons can help you score great deals at mass market retailers. Additionally, discount department stores often sell designer labels at a fraction of the cost. Be sure to press your clothes even if your office is business casual. Invest in an iron and give yourself a few extra minutes in the morning to ensure clothes are wrinklefree. Every season, go through your closet and set aside clothes that no longer fit, are worn out, faded or out of style. Donate these clothes and make room for new ones.

Compton's

Open 6 AM Daily

Pancake House

HOME OF THE DOUBLE “TRIPLE PLAY”

570-424-6909

www.ComptonsPancakeHouse.com PARK AVENUE -STROUDSBURG -PA EXIT 307 OFF 1-80 • NEXT TO SUNOCO STATION

Accessories Rocking the basics can make a great impression at meetings, conventions and other professional events. Show employers, colleagues and clients organization is important to you by carrying a planner and business notebook. Look for a sleek design, such as those from the ATA-GLANCE Collection. These products not only keep you organized and track your story, but can act as a highly useful accessory to your professional style. Whether you’re looking to stay organized by the day, week or month, a planner won’t just help to improve your image; it can also help remind you of upcoming deadlines so you stay organized.

Workspace Take ownership of your workspace. Your desk, cubicle or office is visible round-the-clock, even when you are offthe-clock, so make sure it makes a great impression. A few personal items are welcome in most workplaces. Just be sure any personal photos of friends and family that you display are tasteful and appropriate. Lastly, display a stylish wall calendar on your cubicle or office wall to keep important dates in view. Or if you prefer, a desk pad calendar gives you the same view of your busy month ahead. You want colleagues to know that not only do you have a full plate, you know what’s on it. By fine-tuning your look, you can help make 2015 the year you reach your professional goals and look great doing it. P

MONROE MARBLE & STONE

Custom Countertops & Cabinets Kitchen & Bath From Simple to Elegant - Always Affordable Pricing “We design your dream” Free Estimate: Call 570-357-9999 Rte. 209 & Rodenbach Lane, Brodheadsville, PA JANUARY/FEBRUARY 2015 POCONO FAMILY MAGAZINE© 11

Travel

Sailing Escape BY ROSEANNE BOTTONE

“ I’m going where the sun keeps shining, through the pouring rain … going where the weather suits my clothes. Bankin’ off of the Northeast wind, sailing on a summer breeze … skipping over the ocean like a stone ” “Everybody’s Talkin’ at Me”, Lyrics by Fred Neil, Artist: Harry Nilsson Soundtrack: Midnight Cowboy, 1969

12 POCONO FAMILY MAGAZINE© JANUARY/FEBRUARY 2015

SNYDER SHOES & Shoe Repair

LMOST A FOOT OF SNOW the day before Thanksgiving? Are you kidding me? Yes, a winter wonderland is a beautiful sight…until you have to shovel out, spread salt, scrape windshields, and don boots to leave the house. Do you fantasize about getting away from the brutality of the northeast winter and escaping to warm sunshine? Can you imagine the pleasure of cerulean blue skies and the powdery sands of a deserted beach? Is the siren calling you to adventure? The soundtrack of the 1969 movie “Midnight Cowboy,” starring Jon Voight and Dustin Hoffman, featured Harry Nilsson’s hit version of Everybody’s Talkin’. If you know the movie, when you read the lyrics you even knew the melody by heart. “Sailing on a summer breeze, skipping over the ocean like a stone,” sounds pretty good right about now, doesn’t it? Why settle for the ordinary? A Sailing adventure is more intimate than the larger cruise ships. Climb aboard a 6 passenger schooner or a 100 person Tall Sailing Ship where personalized attention is of paramount importance. They may also offer dining, dancing and low-key entertainment but in a setting that’s more authentic. Can you imagine the ocean breeze tousling your hair? The sounds of the majestic sails responding to the wind? You’ll taste the sea salt air and be up close to marine life. The out-of-the way and secluded ports of call are not your run-of-the mill touristy stops either. You can include the kids on a Caribbean cruise or excursion. Old and young alike can experience a 17th century replica of a Spanish galleon replete with gang planks, firing canons and sword-fighting. If you’d prefer to leave the kids behind along with the bad weather (we’ll understand), your options range from luxury cruises to the down-and-dirty. Explore the pristine islands and coral reefs of the Saychelles islands in the Indian Ocean, or the floating villages and deserted sandy beaches of Ha Long Bay in Vietnam in high style. Discover the 3,500 islands of the Andaman Sea Marine Park between Krabi and Phuket, Thailand. On this cruise you’ll share showers and toilets but you’ll be treated to the rarest of seabirds, romantic beaches and limestone stalactites.

➔

Made in USA 112 Washington st. • East stroudsburg, Pa • 570-421-0610

Dr. Jeffrey R. Wert Family Dentistry

“Quality, affordable dentistry in a relaxed and friendly manner” We are participating providers for the following insurance companies: United Concordia • Aetna PPO • Delta Dental (including AARP) • Metlife PDP NCAS • Guardian PPO • Cigna PPO • Capital Blue Cross P.O. Box 485, Route 611, Tannersville, PA 18372

570.629.1570 • drwert@ptd.net www.drwert.com

Handcrafted Soap • Gifts Bulk Soapmaking Supplies Classes & Birthday Parties 10 North 7th Street, Stroudsburg, PA 18360 • PoconoSoap@yahoo.com JANUARY/FEBRUARY 2015 POCONO FAMILY MAGAZINE© 13

P&S GARAGE

FAM ILY

Servicing the Poconos since 1975

Scott Dreisbach owner

570-223-8874

9080 Franklin Hill Road East Stroudsburg, Pa www.psgaragepa.com

erhaps these locales are a bit too exotic? Do a google search for “Windjammer” and you’ll find options galore for cruises in the Bahamas, Puerto Rico, Barbados, the Cayman Islands, and the Virgin Islands – all good options for getting your feet wet.

“So, be intrepid!”

Check out Frommer’s travel guide website at www.frommers.com and enter “sailing reviews” in the search box. You’ll be able to compare ratings of sailing cruise lines and of the different types of ships. So, be intrepid! Leave your snow gear behind for a week. Pack up your tee shirts and sun visors and go where the weather suits your clothes. P www.jollyrogercaymen.com, www.indianocean-adventure.com, www.footprintsvietnam.com, www.discoverythailand.net

Angels Cafe` &

Catering

All you can eat “Soup-er” Bar Tuesday-Friday

Hours:

Sunday Breakfast Buffet

Tue.-Fri. 9:30a-5:00p Sat & Sun 8:30a-1:30p

9am-1pm

A Full Breakfast & Lunch Menu Everyday

Find out more at:

www.LittleAngelsCafe.com

901 Main St., Stroudsburg, PA

570-424-8810

14 POCONO FAMILY MAGAZINE© JANUARY/FEBRUARY 2015

Roseanne Bottone is a regulatory compliance training instructor, former Peace Corps Volunteer, cancer survivor, grandmother, MBA, and freelance writer. She travels the country teaching business people about environmental and transportation safety regulations, and is a newspaper columnist. She’s a homeowner in East Stroudsburg and lives with her daughter, grandchildren, two cats and a Rottweiler.

JANUARY/FEBRUARY 2015 POCONO FAMILY MAGAZINE© 15

Community

VERONICA MURRAY

16 POCONO FAMILY MAGAZINE© JANUARY/FEBRUARY 2015

Outdoors in the Poconos Located in Eagle Valley Mall, East Stroudsburg

January Events

(at the intersection of Rtes. 447 & 209) Behind PNC Bank

Phone: 570-420-1101 Fax: 570-420-1201

Pocono Environmental Education Center (PEEC) 538 Emery Road Dingmans Ferry, PA 18328 For Further Information: 570-828-2319, www.peec.org, peec@ peec.org, Pre-registration is requested until otherwise noted.

n Saturday, Jan 3

n Saturday, Jan 10

CROSS COUNTRY SKIING - 9-11AM. Enjoy the winter woods with beginner ski lessons. Learn the basics of cross country skiing and practice on an old logging road loop. You decide how many loops to ski. Skis, poles & boots provided - register w/shoe size to guarantee a spot. $20 adult / $10 child

ECOZONE DISCOVERY ROOM - 1-4PM. Climb into a bald eagle’s nest, crawl into a bat cave, and dig in a fossil pit! Explore this indoor discovery room and enjoy hands-on exhibits on natural history, sustainability and the local environment. No registration required. $2 per person

n Sunday, Jan 4 CHRISTMAS BIRD COUNT - 8AM start. It’s the National Audubon Society’s 115th annual Christmas Bird Count! The longest running Citizen Science survey in the world, the Christmas Bird Count provides critical data on population trends. You can register for the area around your house and participate from the comfort of your living room, or you can venture out into a different part of the count circle. If you’re a beginner, we’ll pair you up with a more experienced birder. Pre-registration is required for this event. Free. CROSS COUNTRY SKIING - 1-3PM. Enjoy the winter woods with beginner ski lessons. Learn the basics of cross country skiing and practice on an old logging road loop. You decide how many loops to ski. Skis, poles & boots provided - register w/shoe size to guarantee a spot. $20 adult / $10 child

n Sunday, Jan 11 CROSS COUNTRY SKIING - 1-3PM. Enjoy the winter woods with beginner ski lessons. Learn the basics of cross country skiing and practice on an old logging road loop. You decide how many loops to ski. Skis, poles & boots provided - register w/shoe size to guarantee a spot. $20 adult / $10 child

n Saturday, Jan 24 EAGLE WATCH FOR EAGLE ENTHUSIASTS - 8:30AM-3:30PM. Join Jan Lokuta on a trip north in search of eagles. Visit the Mongaup Reservoir, the Delaware River, & the Eagle Institute to look for winter residents and nesting pairs. Bring a lunch, camera & warm clothes; we’ll be leaving PEEC right at 8:30am. Includes a special stop at “Eagle Day!” $20 CROSS COUNTRY SKIING - 9-11AM. Enjoy the winter woods with beginner ski lessons. Learn the basics of cross country skiing and practice on an old logging road loop. You decide how many loops to ski. Skis, poles & boots provided - register w/shoe size to guarantee a spot. $20 adult / $10 child LITTLE ECO EXPLORERS: BLACK BEARS - 1-3PM. It’s a new program for 3-6 year olds! Join us for a story, craft, and activity focusing on a particular critter. Call for details. $5 per child

GIFT

CERTIFICATES ONLINE!

Classic American Fine Dining 6180 Rt. 209 Stroudsburg, PA 570-992-6634

www.StoneBar.com

BANKS’ VACUUM “We are the Vacuum Experts”

We Sell & Service All Makes of Vacuums Residential & Commercial ~FAMILY OWNED SINCE 1988~ Monday-Friday: 9-5:30 • Saturday: 9-4

www.BanksVacuumPA.com

(570) 629-4065

3280 Rte. 611, Bartonsville, PA 18321 ➔

JANUARY/FEBRUARY 2015 POCONO FAMILY MAGAZINE© 17

CO M M UN ITY

n Sunday, Jan 25

n Saturday, Jan 31

CROSS COUNTRY SKIING - 1-3PM. Enjoy the winter woods with beginner ski lessons. Learn the basics of cross country skiing and practice on an old logging road loop. You decide how many loops to ski. Skis, poles & boots provided - register w/shoe size to guarantee a spot. $20 adult / $10 child

ANIMAL TRACKING - 1-3PM. Animals leave behind clues that give us glimpses into their lives. Explore our natural areas for tracks, trails, scat, territory marks, eat marks, and other signs that animals leave as they travel through the fields and forests of the Poconos. Free.

INTRODUCTION TO SNOWSHOEING 1-3PM. Learn the basics of snow shoes and enjoy a winter stomp through the woods. No experience necessary – we provide the equipment and teach you everything you need to know. Register early to guarantee a spot. $10

January Events Barrett Paradise Friendly Library Cresco, PA 570-595-7171 www.barrettlibrary.org

Pocono Mountain Public Library Tobyhanna, PA 570-894-8860 www.poconomountpl.org

Clymer Library Pocono Pines, PA 570-646-0826 www.clymerlibrary.org

Western Pocono Community Library Brodheadsville, PA 570-992-7934 www.wpcl.lib.pa.us

Eastern Monroe Public Library Branches Hughes Library (main branch) Stroudsburg, PA 570-421-0800 www.monroepl.org Pocono Township Branch Tannersville, PA 570-629-5858 Smithfield Branch Marshalls Creek, PA 570-223-1881 Bookmobile 570-421-0880 x49

Brodhead Watershed Association and Pocono Heritage Land Trust Box 339 Henryville, PA 18332 For Further Information: BWA: 570-839-1120, www. brodheadwatershed.org PHLT: 570-424-1514, www.phlt.org

n Sunday, Jan 11

• Chef Owned & Operated • Homemade Soups Prepared Fresh Daily • Where Locals have been enjoying good food in a relaxed, safe & fresh atmosphere for over 40 years Route 611 (834 N. 9th St) Stroudsburg, PA

570-421-2329

18 POCONO FAMILY MAGAZINE© JANUARY/FEBRUARY 2015

WOLF SWAMP AND DEEP LAKE WINTER WANDER - 1-4:30PM. This moderate difficulty walk will be on and off trail on both level and sloped terrain. Participants will be introduced to the winter beauty and wetlands to be found along this frequently used trail system on State Game Lands adjacent to Big Pocono State Park

JAMES CHESNICK

JANUARY/FEBRUARY 2015 POCONO FAMILY MAGAZINE© 19

Healthy Living

Think that persistent, throbbing ache is just in your head? Think again. Though everyone gets the occasional headache, it is estimated that about 12 percent of Americans, about 30 million people, suffer from migraine headaches. Migraines are a neurological disorder in which a person suffers recurrent moderate to severe headaches that worsen during routine physical activity and can last from four hours to three or more days when left untreated. Though anyone can suffer from migraines, they are most common between the ages of 30 and 60, and women are three times as likely to get them as men.

PoconoMedicalCenter.org/Spirit 20 POCONO FAMILY MAGAZINEÂŠ NOVEMBER/DECEMBER 2014

ften, migraines will present on one side of the head and may be exacerbated by light, sound, or strong scents, leading to nausea. Those who suffer migraines are also more likely to suffer from depression, anxiety, fatigue, sleep disorders, and other pain disorders.

Migraine headaches are a heavy burden. They are estimated to cost Americans more than $20 billion annually in medical costs and missed work and productivity, causing the World Health Organization to declare them one of the 20 most disabling illnesses.

What causes migraines? Exact causes of migraines are not currently known, but research has shown that they are affected by changes in serotonin levels in the brain and that they are largely hereditary. Most people who suffer from migraines have a family history of the disorder. If one parent suffers from migraines, his or her child has a 50 percent chance of developing them as well; if both parents suffer from migraines, the child’s risk is bumped to 75 percent.

What triggers a migraine? Though there is not always a clear trigger for migraines, emotional stress, hormonal fluctuations, changes in weather, menstruation, sensitivity to chemicals and food preservatives, poor sleep, medication, alcohol, and excessive caffeine consumption or withdrawal are all common triggers. A small number of people who suffer from migraines experience auras, sensory changes that occur before, during, or after a migraine. Most auras are visual, and include blurred vision, flashing lights, and blind spots, but can also be accompanied by motor or verbal disturbances.

Do I need to see a neurologist? If you experience chronic migraines, start having new headache symptoms, or your migraines are not responding to treatment, your doctor may recommend that you see a neurologist. A neurologist can conduct diagnostic tests in addition to a physical exam and a review of your family and medical history. Keeping a headache journal or calendar can help you and your doctor find causes and triggers for your migraines and can help provide possible solutions. Take note of the following:

➜ Did anything soothe or eliminate your headache? ➜ Did you sleep well the night before?

➜ During what part of your menstrual cycle did it occur?

➜ ➜

Did light, sound, or scents make it worse?

➜

What were you doing prior to or during the headache?

➜ ➜ ➜

Was the weather unusual or did it change?

What did you eat and drink during the 24 hours prior to the onset of symptoms?

Did you experience any changes in vision? Did you take any new medication?

Working closely with your doctor and a neurologist can help you start the battle against migraines. Talk with your doctor to create a health and wellness plan that works for you.

Healthy Living

The Cold Facts

22 POCONO FAMILY MAGAZINE© JANUARY/FEBRUARY 2015

… About Frostbite and Other Cold Weather-related Injuries By DR. JONATHAN A. GOLDNER, DO, FCCP, FCCM

HETHER YOU HAVE TO TRAVEL to work, shopping or just like to be outside, the cold weather is back upon us for the next several months. Here in the Poconos, winter cold and snow also provides a number of opportunities to get out and start participating in winter sports such as snowboarding, skiing, snowmobiling, or just walking. But without proper protection, cold weather-related injuries can occur even when temperatures are above freezing. This can be especially true if clothing is wet or there are high winds that can cool us off quickly. The very young and elderly are particularly prone to cold induced injuries as their defense mechanisms to prevent such an occurrence are lower than other individuals. The cold weather injuries can be divided into two categories. There are those injuries that occur without the freezing of body tissue such as chilblains, trench foot and frostnip and those injuries that occur with the freezing of body tissue like frostbite.

Chilblains Chilblains is a common type of cold weather-related injury that can develop in people after they are exposed to nonfreezing temperatures and humidity. Chilblains are itchy, painful, reddish or purplish areas of swelling that usually affects exposed areas such as the fingers, toes, nose or ears. Some individuals have blisters or small open sores that form on the skin. It develops several hours after the area is rewarmed. Chilblains will usually last for several days and heal without permanent damage.

Jonathan A. Goldner, DO, FCCP, FCCM is board certified in internal medicine, critical care, and geriatrics. He is a Clinical Asst. Professor of Medicine with both the Commonwealth Medical College and the Penn State College of Medicine. He is the Chief Medical Executive for Medicine and Chronic Diseases, Director of Critical Care and immediate past Chief of Staff at Pocono Medical Center. He practices internal medicine with PMC Physician Associates, Pocono Internal Medicine Specialists in East Stroudsburg, Pennsylvania.

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Trench foot

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A more serious condition is trench foot. As the name implies, this was a condition that many soldiers suffered in World War I while they were confined to trenches and their feet had prolonged exposure to a cold and wet environment. Tightfitting, constricting boots and footwear serve to exacerbate the condition and we commonly see it in homeless individuals these days. Trench foot does not require freezing temperature, and can occur with temperatures as high as 60°F.

“Know the weather and be prepared”

The symptoms of trench foot may include pain, itching, numbness, and swelling. The affected foot may appear red, or even bluish-black with severe cases. As with chilblains, blisters and open sores can develop. Mild to moderate trench foot usually takes several weeks for the tissue to recover and heal. With severe cases of trench foot, the tissue dies, sloughs off and gangrene can develop requiring amputation.

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Frostnip is a mild cold weather-related injury that typically affects areas of the face, ears, toes and fingers. After exposure to cold weather, the skin may appear pale and be accompanied by burning, itching or pain. Pins and needs or a numbness sensation is frequently present. Simple re-warming restores normal color and sensation. There is no permanent damage to skin.

Frostbite Frostbite actually occurs when there is freezing of body tissue and by far is the most serious of cold weather-related injuries. Frostbite, again, usually affects the hands, feet, nose, ears and cheeks though other areas of the body can also be affected. Damage to skin tissue is most pronounced when there is prolonged exposure to cold weather with the affected skin slowly freezing with the skin cells dying. www.BucciVision.com

24 POCONO FAMILY MAGAZINE© JANUARY/FEBRUARY 2015

What you can do to prevent frostbite:

i P lan for being out in the cold. Dress warm enough and be careful not to be out in the cold for too long.

i W ear a hat. We lose a lot of warmth from our heads.

i U se face protection such as a ski mask

i Wear sunglasses or goggles to protect your eyes

i Wear mittens. These keep your hands warmer than gloves

i Wear warm, lined, waterresistant shoes or boots.

i Put on layers of clothes.

The symptoms of frostbite may include:

i Cold, numb skin which might look white or gray. It usually feels waxy and hard

i T rouble moving the affected area, such as the fingers or hands.

Things that can cause worse damage with frostbite:

i Try not to walk on feet that have frostbite unless you have to walk to a warm place.

i D o not rub the area, this causes further damage to the skin

i B listers may form with

i Do not warm the area if you

fluid or blood inside

know that it will get cold again and re-freeze. That causes more damage.

i A reas of black skin will occur with severe frostbite. If you think someone has frostbite:

i Move the person to a warmer place as soon as possible

i Take off any wet clothing i T ry to warm up the affected area. Hands and feet can be put it in warm water that is comfortable when you touch it with unaffected skin. Do NOT use hot water.

i U se body heat. Snuggle up together or put cold, numb fingers under the armpits.

i Do not use a stove or fire to warm the area, because numb skin without normal sensation can be accidently burned.

i Some people put lotion or ointment on the skin to prevent frostbite. This can actually make frostbite happen more quickly.

This might include long underwear, fleece or wool clothing and a coat and pants that protect against the wind, rain, sleet or snow. Other good common sense things that can help:

i K eep your cell phone with you when you are outdoors.

i Avoid alcohol and smoking when going out in the cold.

i A void contact with metal or water. These can be very cold and even colder than the ambient temperature

i Know the weather and be prepared. Wind can make frostbite occur quicker.

i T ell people where you are going. i Keep an extra blanket in the trunk of your car as well as other emergency supplies in case you might be outside longer than expected.

With simple precautions we can all enjoy the Pocono winter season, its beauty and the opportunities it makes available to us. I wish all of you a very happy, healthy and safe New Year. P

JANUARY/FEBRUARY 2015 POCONO FAMILY MAGAZINEÂŠ 25

Healthy Living

Healthy Winter Skin Care Tips

OOL TEMPERATURES, low humidity, and furnace-blasted dry air can leave your skin dry, flaky, and itchy. Everyone needs to protect his or her skin from drying out in winter, but if you have certain skin conditions, you should step up your routine to keep your skin healthy. “Winter itch is a common name for the skin symptom of generalized itching in winter. While most commonly seen in the elderly and those with a history of asthma, allergies and eczema, anyone can experience winter itch,” says Dr. Vishakha Gigler, a board certified dermatologist. With that in mind, here are a few steps everyone can take to prevent and relieve dry itchy skin in wintry weather:

• Avoid irritants. Try to avoid products that can irritate your skin, such as fragrance, dryer sheets, and fabric softeners. Use a hypoallergenic laundry detergent and wear soft fabrics such as cotton.

• Add humidity to your home and office. Portable humidifiers or those that work with your heating system put moisture into the air that will be absorbed naturally by your skin and hair.

• Wear sunscreen. Sunscreen may make you think of the beach, but it’s important in winter, too. Apply a moisturizing, broad-spectrum sunscreen with at least SPF 30 to exposed areas to protect from the sun’s harmful UV rays before heading outdoors. Look for sunscreens with hyaluronic acid in them. 26 POCONO FAMILY MAGAZINE© JANUARY/FEBRUARY 2015

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• Moisturize after showering. The most important thing with regard to bathing is your follow-up routine. Pat your skin dry with a towel and then apply a thick moisturizer. Apply in the morning and at night.

• Alleviate winter itch: To alleviate itch safely and effectively, toss a topical treatment into your bag for the day. A topical non steroid-based treatment providing fast itch relief is best, and will help you avoid side effects like skin thinning, stretch marks, increased bruising and enlarged blood vessels. For example, TriCalm is a steroid free, fast acting itch relief gel that is five times more effective than steroid-based hydrocortisone 1% at reducing itch. More information can be found at www.tricalm.com.

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• Protect against windburn. When heading outside on cold days, avoid windburn and prolonged exposure by wearing a hat, scarf, and gloves.

• Eat right. Stock up on foods with lots of healthy monounsaturated fats and omega-3 fatty acids, such as fish, nuts, olive oil, flax, sardines, and avocados. These foods promote good skin health.

• Hand care. The skin on your hands is thinner than most parts of the body and has fewer oil glands. That means it’s harder to keep your hands moist, especially in cold, dry weather. This can lead to itchiness and cracking. Wear gloves outside; if you need to wear wool to keep your hands warm, slip on a thin cotton glove first, to avoid any irritation the wool might cause. This winter, avoid and relieve dry skin. With the proper skin care regimen, you will keep your skin smooth, healthy and itch-free. P CONTENT: STATEPOINT | PHOTO: ©MARIDAV, FOTOLIA.COM

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Pets

House Training Your Puppy COURTESY OF THE ASPCA

UPPIES NEED TO BE HOUSE TRAINED in order to understand that it’s not okay to eliminate in your house. House training is a simple process, but one that must be carried out positively (without punishment that scares the puppy) and consistently, following two main guidelines: 1) prevent indoor accidents through confinement and close supervision, and 2) take the puppy outside on a frequent and regular schedule and reward him for eliminating where you want him to go.

Why Puppies You Thought Were Housetrained Might Have Accidents n Too Young to Be Fully House Trained Some puppies, especially those under 12 weeks of age, haven’t developed bladder or bowel control yet. 28 POCONO FAMILY MAGAZINE© JANUARY/FEBRUARY 2015

n Incomplete House Training Many puppies simply haven’t learned where to eliminate—or they haven’t learned a way to tell their pet parents.

medical reasons for inappropriate urination and defecation might include urinary tract infection, gastrointestinal upset, or a change in diet.

n Breakdown in House Training Sometimes puppies who seem to be house trained at one point regress and start soiling in the house again.

How to House Train Your Puppy

Other Reasons Your Puppy Might House Soil n Urine Marking If your puppy is over three months of age and urinates small amounts on vertical surfaces, he may be urine marking.

n Submissive/Excitement Urination Your puppy may have a submissive/excitement urination problem if he only urinates during greetings, play, physical contact, scolding or punishment. If this is the case, you may notice your puppy displaying submissive postures during interactions.

Medical Causes for House Soiling It’s always a good idea to visit your puppy’s veterinarian to rule out medical causes for house soiling. Some common

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How Long It Will Take Some puppies learn where and where not to eliminate at a very young age, while others take longer to understand. Most puppies can be reasonably housetrained by four to six months of age. However, some puppies are not 100% reliable until they are eight to twelve months of age. Some puppies seem to catch on early but then regress. This is normal. Keep in mind that it may take a while for your puppy to develop bowel and bladder control. He may be mentally capable of learning to eliminate outdoors instead of inside, but he may not yet be physically capable of controlling his body.

How Often Your Puppy Needs to Go Out All puppies are different, but a puppy can usually only hold his waste for the same number of hours as his age

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n Separation Anxiety If your puppy only soils when he’s left alone in your home, even for short periods of time, he may have separation anxiety. If this is the case, you may notice that he appears nervous or upset right before you leave him by himself.

House training is accomplished by rewarding your puppy for eliminating where you want him to go (outside) AND by preventing him from urinating or defecating in unacceptable places (inside the house). You should keep crating and confinement to a minimum, but some amount of restriction is usually necessary for your puppy to learn to “hold it.”

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in months. (In other words, a four-month-old pup should not be left alone for more than four consecutive hours without an opportunity to go outside.) He can last longer at night, however, since he’s inactive (just like we can). By the time your pup is about four months old, he should be able to make it through the night without going outside.

House Training Steps 1. Keep your puppy on a consistent daily feeding schedule and remove food between meals.

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2. Take the puppy outside on a consistent schedule. Puppies should be taken out every hour, as well as shortly after meals, play and naps. All puppies should go out first thing in the morning, last thing at night and before being confined or left alone. 3. In between these outings, know where your puppy is at all times. You need to watch for early signs that he needs to eliminate so that you can anticipate and prevent accidents from happening. Not all puppies learn to let their caretakers know that they need to go outside by barking or scratching at the door. Some will pace a bit and then just eliminate inside. So watch your puppy carefully. 4. If you can’t watch your puppy, he must be confined to a crate or a small room with the door closed or

blocked with a baby gate. Alternatively, you can tether him to you by a leash that does not give him much leeway around you (about a six-foot leash). Gradually, over days or weeks, give your puppy more freedom, starting with freedom a small area, like the kitchen, and gradually increasing it to larger areas, or multiple rooms, in your home. If he eliminates outside, give him some free time in the house (about 15 to 20 minutes to start), and then put him back in his crate or small room. If all goes well, gradually increase the amount of time he can spend out of confinement. 5. Accompany your puppy outside and reward him whenever he eliminates outdoors with praise, treats, play or a walk. It’s best to take your puppy to the same place each time because the smells often prompt puppies to eliminate. 6. If you catch your puppy in the act of eliminating inside, clap sharply twice, just enough to startle but not scare him. (If your puppy seems upset or scared by your clapping, clap a little softer the next time.) When startled, the puppy should stop in mid-stream. Immediately run with him outside, encouraging him to come with you the whole way. (If necessary, take your puppy gently by the collar to run him outside.) Allow your

pup to finish eliminating outside, and then reward him with happy praise and a small treat. If he has nothing to eliminate when he gets outside, don’t worry. Just try to be more watchful of him in the house in the future. If your puppy has an accident but you don’t catch him in the act and only find the accident afterward, do nothing to your pup. He cannot connect any punishment with something he did hours or even minutes ago.

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What NOT to Do n Do not rub your puppy’s nose in his waste. n Do not scold your dog for eliminating indoors. Instead, if you catch him in the act, make a noise to startle him and stop him from urinating or defecating. Then immediately show your dog where you want him to go by running with him outside, waiting until he goes, and then praising and rewarding him. n Do not physically punish your puppy for accidents. Realize that if your puppy has accidents in the house, you failed to adequately supervise him, you did not take him outside frequently enough, or you ignored or were unaware of his signals that he needed to go outside. n Do not confine your puppy to a small area for hours each day, without doing anything else to correct the problem. n Do not crate your puppy if he’s soiling in the crate. n If your puppy enjoys being outside, don’t bring him inside right after he eliminates or he may learn to “hold it” so that he can stay outside longer. n Do not clean with an ammoniabased cleanser. Urine contains ammonia. Cleaning with ammonia could attract your puppy back to the same spot to urinate again. Instead, use an enzymatic cleaner. You can find one at some grocery stores or any major pet store. P

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Family Advisor

Traffic Tickets By JANET MARSH CATINA, Esq.

Attorney Catina practices primarily in the areas of criminal law, traffic offenses, family law, and estate planning and administration. She maintains her office in Stroudsburg PA and practices in many counties in Northeastern Pennsylvania. Born and raised in the Poconos, Mrs. Catina and her husband Jerry have two children and live in Snydersville with their yellow lab, Rookie.

32 POCONO FAMILY MAGAZINEÂŠ JANUARY/FEBRUARY 2015

“I

T’S JUST A TRAFFIC TICKET.” Or is it? We all have seen the images of a police officer writing an unsuspecting driver a traffic ticket. Seems simple enough. But there is more to it than meets the eye. Traffic offenses are found in Title 75 of Pennsylvania’s statutes. Offenses cover a wide variety of activities including such things as speeding, driving without a license, registration or insurance, failure to yield, improper passing and failure to adhere to traffic control devices like lights and stop signs. We are most familiar with some sort of monetary penalty as the consequence for a violation. Often, that is not the only penalty imposed.

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For each offense, the legislature has determined whether there should also be points assessed against the driver in violation as well as whether a license suspension should additionally be imposed. While most people think that all is done when they pay the fine imposed, it is only later they find out the additional consequences, usually when they receive an unexpected letter from PennDOT. The Pennsylvania Department of Transportation, often referred to as “PennDOT” maintains driving records for each licensed Pennsylvania driver. PennDOT will assess points on a driver’s record when they are found guilty of certain driving violations. Sending in a fine and signifying you are guilty of an offense is the equivalent of being found guilty. The number of points depends on the offense but usually range between 2 and 5 points for each offense. The purpose of the points system is to improve driving habits of Pennsylvania drivers and make the roads safer. When a driver’s record reaches 6 or more points, it brings even more consequences which may include licenses suspensions, special examinations and hearings before PennDOT. Each subsequent accumulation of 6 points brings with it additional penalties. Points are removed at the rate of 3 per year for each year a person drives with no violations. Once a driving record is reduced to zero, it must be maintained at zero for 12 months before a further accumulation of points will be treated as a first accumulation of points. Traffic tickets, while seemingly minor, can have significant implications. To learn how a ticket could affect you, consult a lawyer who handles those types of matters. Safe driving! P This column is not intended as a substitute for an attorney. You should not act on any of the information obtained in this column without consulting an attorney. Have a question or a topic you’d like discussed? Email me at askjanetcatina@gmail.com.

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Over 55

Insurance Needs for Seniors By CAMILLE CAPRIGLIONE

S WE GROW OLDER, our needs often change. This is also true of our financial and insurance needs. As we prepare for, or enter retirement, it is a good time to reassess our insurance structure.

For starters, be sure that your biggest investment, your home, is well protected. You may need to change or update your homeowners’ policy. Is your home insured to its full reconstruction value? (This would be listed as ‘dwelling amount’ on the policy.) Have you made upgrades or renovations that your insurer should know about? Have you built an addition, added a pool or deck, finished a basement, or installed a custom kitchen? These are things that could affect the dwelling amount.

Do you run a business out of the home? Do you have a hobby in which you sell your products? There may be limitations under a typical homeowner’s policy for these types of ventures. You may need additional coverage. In regard to your auto insurance, if you are retired, inform your insurer and make sure your autos are not rated as work vehicles. Changing them to a pleasure use might bring the cost down. If you and your spouse are not working, and you are paying for Income Loss coverage on the policy, you can remove it for further savings. Does your policy still list young drivers? If they no longer live in the household, have them removed. If your auto loans are paid off, make sure the lien holders are not listed on the policy. (If the company issues you a claim check after an accident, the lienholder will be listed on the check, and it will be difficult to endorse or deposit.) Raise the deductibles on your home and auto policies as high as you can afford. Homeowners insurance is not meant to be used for small, maintenance claims. It is intended for catastrophic loss. A $1000 or $2500 homeowners deductible could save you hundreds of dollars. A $1000 deductible most likely will not be an issue if you are replacing the home after a total loss. Check the liability limits on your home and auto policies. Liability protection is very important in today’s litigious society. A home should have at least $300,000 in liability coverage, preferably $500,000. Most insurers recommend auto liability limits of at least $100,000.

For added protection, consider an umbrella policy. Known as a ‘personal catastrophe liability policy,’ it can protect your assets if you are sued. This type of policy pays over and above the liability limits of your home or auto policy, if you are sued due to an accident, a dog bite, a slip and fall on your property, etc. In most cases, umbrella policies are very reasonable. A $1 million umbrella policy could be as low as $160 a year. To supplement one’s financial needs, consider annuities. An annuity is a life insurance product in which the customer initially pays money to the insurer to provide for future income. This money can grow on a taxdeferred basis and is then distributed back to the owner at some time in the future. One’s savings or even the cash value of a whole life policy can be used to fund the annuity. It can provide a guaranteed stream of income for life, and the life of one’s spouse. Stay in touch with your insurance agent. Ask questions. Review policies once a year and notify your insurer of any changes so that you can be sure your policies are up to date, accurate and tailored to fit your needs. Your senior years are meant to be worry free! P

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The Parting Shot James Chesnick of Stroudsburg captured this photo of the McMichael’s Creek at just the right moment after a snow storm covered the area last winter. JANUARY/FEBRUARY 2015 POCONO FAMILY MAGAZINE© 37