Special Sections: How To 7.24.15

Unplugging to Unwind

How to unplug from your devices

Financial 411

Getting Gone

How to get back on track with your finances

How to find more time to travel

a blank slate media / litmor publications special section • july 24, 2015

30 guide to how to • News Times Newspapers, Friday, July 24, 2015

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How to find more time to travel F ew people would likely say they don’t enjoy traveling. Travel provides an opportunity to experience different cultures, visit idyllic locales and enjoy some rest and relaxation.

But as much as people love to travel, finding more time to do so is not always so easy, even for those people with a sufficient amount of vacation days at their disposal. Oftentimes, finding more time to travel requires some extra and earlier planning.

• Reconsider when you travel.

Building a trip around a long weekend is an easy way to find more time to travel. Consider the holidays that fall on a Monday, such as Memorial Day, Labor Day and Columbus Day. Plan a getaway for these long weekends and you won’t even need to use a vacation day. If you have the vacation time to burn, extend the trip one day by leaving on Friday or returning on Tuesday. By the time your trip ends, you will have enjoyed a three-day getaway without using any vacation time or a four-day extended break during which you used just a single day of vacation time.

Planning a week-long trip on a holiday week is another way to save a vacation day for later in the year.

• Extend business trips. Business travelers who typically travel on Mondays and/or return home on Fridays can extend those trips to include the weekend preceding or following the trip. This gives you a better chance to explore the city where conferences or client meetings are being held, as business trips typically leave little time to get to a know a city or see its attractions. Business travelers can plan family trips around their work trips,

giving families a great and often costeffective way to see various locales.

• Use your allotted vacation time.

A 2013 study from Oxford Economics found that American workers took an average of 16 days of vacation in 2013, which represented a roughly 20 percent decline from 2000, when workers took an average of 20.3 vacation days.

The United States Travel Association discovered a similar pattern, finding that in 2013 workers used just 16 of their nearly 21 days of earned time off.

Perhaps the easiest way working men and women can find more time to travel is to make use of all of the vacation days they earn as oppose to letting them fall by the wayside at the end of their companies’ calendar years.

• Negotiate with your employer.

Many employers have grown increasingly flexible as technology has made it easier for employees to work remotely. Men and women who want to find more time to travel should not be afraid to negotiate more travel time with their employers, even offering to work remotely from whichever destination they plan to visit. This can be an especially effective way for parents to extend family vacations in the summertime, as one parent can take the kids in the mornings and afternoons while the other works. Come nighttime, the whole family can still enjoy all the fun of a typical vacation.

Travel is a luxury that even busy men and women can enjoy if they employ certain strategies to create more time to get away.

News Times Newspapers, Friday, July 24, 2015 • guide to how to ADVERTORIAL

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32 guide to how to • News Times Newspapers, Friday, July 24, 2015 ADVERTORIAL

Central air conditioning requires maintenance after it is installed. Although it is a major purchase and is an addition to your home that adds comfort, it cannot be left on auto-pilot.

There are filters to be replaced and refrigerant gas to be monitored. These are critical components and half of the equipment resides outdoors. With that said, the winters and summer sun can brutalize the equipment.

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oney is something that individuals usually need more of but frequently find in short supply.

People worry about money … a lot.

According to the YouGov poll for the Institute of Financial Planning and National Savings and Investments in Great Britain, nearly two-thirds of respondents worried about their finances, with 43 percent saying they worried about money “more often than not.” Things aren’t much different in the United States, where a recent survey from Lincoln Financial Group showed that 53 percent of respondents worried about having enough money for retirement.

Taking charge of personal finances may seem like a difficult undertaking, but you don’t have to make drastic lifestyle changes to grow your savings.

Try these tips to save more and live a more financially-conscious life.

• Keep financial records. It’s hard to determine your financial standing if you do not prioritize record-keeping. Find a method that you can stick with consistently. Some people prefer old-fashioned bookkeeping with pen and paper, while others may like the convenience of software and mobile apps. Having financial matters clearly visible in black and white can show a clear picture of how much money is coming in and how much is being spent.

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Easy financial tips

• Explore auto-withdrawal and deposit. Many financial institutions offer several services to customers that can make banking and money management easier. You can set up a savings account and have money automatically deducted from your paycheck and deposited into this account. Even small deposits add up over time. You also

can arrange for automatic bill pay so you don’t have to worry about accruing late fees for missed payments. Check with your bank or credit union about these types of services.

• Put a change jar in your house.

Change might not be popular, but it is money. Having a jar or bucket in a location of the house where you set your wallet or purse may encourage you to save that loose change for something larger. Place loose change in the jar and watch it add up. Some banks have coin-counting machines, which can make it even easier to cash in your change.

• Sign up for shop-and-earn programs. Everyone from credit card companies to major retailers offer incentives to repeat customers. These include cash-back or other perks for a percentage of the money spent on purchases. These programs equate to built-in discounts and can help you squirrel away even more money without making a conscious effort.

• Consider investing. Investing can put your money to work in exchange for a return. There are many different types of investments available. If you are an investing novice, work with a financial planner or broker who can help you find a level of risk you are comfortable with.

• Pay off debt. The earlier you can get rid of outstanding debt, the better.

Put money toward high-interest loans and credit cards so you aren’t paying so much in costly interest charges.

Afterward, you can start saving in earnest.

Learning to take charge of personal finances early on can set you on a course for financial stability throughout your life.

News Times Newspapers, Friday, July 24, 2015 • guide to how to

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34 guide to how to • News Times Newspapers, Friday, July 24, 2015

How to repurpose

Did you know? items for new and O useful purposes pening a dresser drawer to find clothes disorganized and stuffed inside can be frustrating. Bulky clothes may not seem to fit correctly and other items can become stuck at the back of a drawer, making it difficult to close the drawer properly. Although you may be tempted to purchase an entirely new dresser or give up and store items solely in the closet, try a new tactic. Various organizing experts advise folding and layering clothes vertically in drawers to create more space and keep things neat. An additional benefit to this method of storage is you can more readily see just what you have in the drawer, rather than lifting and looking underneath your clothing. Anyone can give this a try to free up space in their drawers. This method also works especially well with children’s clothing, giving kids the opportunity to see their clothes and choose their own outfits.

Before items get discarded or recycled, see if they can be put to use in new and interesting ways.

• Craft can bird feeders. Cut a sturdy can in half and punch holes into either end. String rope through the holes and tie to create a hanger. Place in a tree branch and watch the birds stop by for a treat.

Hawthorne Service Center Hawthorne Service Center is a full-service auto repair shop. Our history has deep roots in the community. Upon returning from the Pacific in 1945, our founder John Berning Sr., began working as an auto mechanic at a car dealer in Mineola. He also worked after hours and on weekends out of his garage while raising four children with his wife Anne. His goal was to open his own shop. Within two years, he opened his first location at the corner of Park Avenue and Hillside Avenue. In 1958, he moved his shop to its current location at the corner of Willis Avenue and Hawthorne Street. So, what makes us different from other shops? The fact that we have such deep roots here is the very reason we care so much about each and every customer. We don’t even like to call them customers, they are our neighbors, people we share our community with. Today John Berning Jr and his wife Lisa Perrotta Berning, both of whom were raised in Mineola and Williston Park respectively, can be found running the shop. The shop is run with the same care and values it began with in 1947. We stand behind everything we do.

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• Design unique planters. Just about any vessel can be turned into a pot to house a plant. From teapots to cups to mason jars, items can be cleverly transformed to display greenery.

T

he “reduce, reuse and recycle” movement has grown increasingly popular as more men, women and children look to adopt eco-friendly lifestyles. By considerably cutting back on waste, people are doing their part to reduce the size of landfills, safeguard natural habitats and keep neighborhoods and local communities clean.

Municipal public works organizations may have recycling programs in place that make it convenient for residents to recycle items by placing them at the curb for pickup. But prior to putting items out for recycling, people can investigate if it’s possible to reuse an item in a new way. The following are some creative ways to repurpose items around the house.

• Transform shirts into shopping totes. With some modest sewing skills, you can turn an old shirt into a reusable shopping tote. Seal the bottom of the shirt securely. You may want to slip a piece of cardboard in the bottom to make it more durable. Then either sew or tie the sleeves of a shirt to make handles.

• Sew a pocket organizer. Before you discard old jeans that are torn or no longer fit, remove the square of fabric surrounding the back pocket. When you have several denim squares, sew them together to make a hanging pocket organizer to hold everything from small toys to crafting tools. Old jeans also can be turned into knapsacks and doll clothes.

• Turn old books into shelves. Rather than placing books on shelves, make the books the shelves! With a few shelving brackets and some sturdy, hardcover books, you now have interesting shelves to display other items.

Ladders and even old folding chairs also can be repurposed as shelves.

• Turn doors into décor. Old doors can be put to use all over the house.

Attach legs and transform a door into a coffee table. Secure a door to a wall and it instantly becomes a piece of art.

Take out a door frame and use it to hold a mirror. Plus, doors can be used to craft headboards and footboards for beds.

When thinking creatively, you can find many ways to breathe new life into items that may be on their way to the trash or recycling bins.

News Times Newspapers, Friday, July 24, 2015 • guide to how to

35

How to unplug from your devices T he prevalence of technology is undeniable. According to data from the Pew Research Center, as of October 2014, 64 percent of Americans owned a smartphone. In

January of the same year, 42 percent of Americans owned a tablet computer while 32 percent owned an e-reader.

While technology can be convenient, many people find themselves spending more time on their devices than they might prefer. Overexposure to communications technology can be detrimental to kids and adults, and some parents might be surprised to learn just how much time their youngsters are spending using different forms of media. A 2010 survey from the Kaiser Family Foundation found that kids spend more than seven hours per day using various forms of media.

That’s especially disconcerting when considering the American Academy of Pediatrics says that overexposure to media can increase kids’ risk of aggressive behavior and interest in alcohol and smoking, and

OFF

lead to poor performance in school.

So how can families who have grown accustomed to using their devices find ways to unplug? The following are a handful of strategies families can employ to reduce the amount of time they’re spending on their smartphones, tablets and laptops.

• Start monitoring usage. Realizing just how much time you spend on your various devices is a great first step toward unplugging. As you go about your day, jot down each and every time you use any of your devices and what you are doing while using them, and ask family members to do the same. Do so for roughly one week, which should be ample time to provide an adequate picture of how much time you’re spending on your devices and what you are using them for. Don’t beat yourself up if the numbers shock you, just resolve to lower those numbers and continue to monitor your device usage as you do so.

• Cut out the media junk food. As you examine your device usage, you may notice you are spending lots of time on fruitless activities, whether it’s catching up on the latest Internet gossip or scanning friends’ social media pages to pass the time. Eliminating these activities from your day is unlikely to have an adverse affect on your life, and you

will find yourself with more time to enjoy more unplugged time with family and friends.

• Schedule your media time. Many of today’s adults grew up in homes where their parents restricted the time they were allowed to spend watching television. Today’s parents can take a similar approach by limiting the amount of time their kids spend on their devices while also placing the same restrictions on themselves. Allow yourself a certain amount of time each day to spend on your devices, even scheduling times each day when you will watch some television or catch up with friends on social media. Stick to this schedule and you will likely see your device usage decrease dramatically.

• Recharge devices outside of your bedroom. Many adults can’t resist the urge to scan work emails or social media right before going to bed, and that can increase device usage and have a negative impact on sleep. When plugging devices in at night, be sure to charge them outside of your bedroom so you aren’t tempted to indulge in some extra and unnecessary usage at the end of the day.

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36 guide to how to • News Times Newspapers, Friday, July 24, 2015

Make simple work of household chores

M

aintaining a clean and orderly home can sometimes be overwhelming. Homeowners juggling the responsibilities of work and family may find they have little energy for

everyday household chores.

But homeowners can employ some simple strategies to keep their homes clean and orderly without taking up too much of their time.

• Enlist a buddy. Work goes much more quickly if you have someone to help you. Make a list of all the jobs that need to be done and then split them among your cleaning helpers.

Kids can get involved by taking care of the simpler tasks, such as dusting or wiping down counters.

• Clean from top to bottom.

Dust and dirt will settle at the lowest possible points, so

do not create extra work for yourself by cleaning floors and other surfaces and then dusting off shelves or cleaning cobwebs from the ceiling. Always work your way downward when cleaning your home.

• Keep stray item baskets in main rooms. Items from other rooms will inadvertently gravitate to places where your family spends most of its time.

Cleaning takes a lot longer if you’re constantly interrupting your tasks to put things where they belong. Instead, toss them into a catch-all basket and make your rounds to other rooms at the end of the cleaning session.

• Try a chore each day. Some cleaning enthusiasts advocate performing a different chore each day. Breaking cleaning down into more manageable chunks can make the task of cleaning a home a lot less daunting.

There are many ways to make the job of cleaning your home a lot less daunting.

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• Keep cleaning items in the bathroom. Bathrooms get daily use, and they need a lot of attention. Store a set of cleaning tools and cleansers in the bathroom so they will always be at the ready. Consider

keeping a spray bottle of a bleach-and-water solution or mildew cleaner near the shower so you can simply spray down the walls right after showering.

• Multitask as much as possible. Multitasking works at the office, and such an approach also can pay dividends when cleaning your home. For example, unload the dishwasher while your lunch is heating up in the microwave. This saves you some time and makes use of the time you would otherwise be standing around.

• Do laundry daily. Laundry can quickly sneak up on you, especially in a busy household. Instead of devoting an entire day to doing laundry, try to do one full load per day.

This will make the pile of dirty clothes much more manageable and ensure that you and your family members always have some clean clothes available.

Find a cleaning schedule that works and then stick with it, and soon you will discover that maintaining a clean and orderly home is not so difficult after all.

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News Times Newspapers, Friday, July 24, 2015 • guide to how to

HOW TO KEEP YOUR CAR RUNNING ITS BEST?

HOW TO SHOW UP WITH THE COOLEST GIFT?…

1. “Burn rubber” and bring it to the best BOBB HOWARD’S AUTO REPAIR - fixing your friends’ and neighbors’ cars since 1946…

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A. Tire Pressure* B. Brakes* C. Lights* D. Windshield Wipers* E. Air Filters* F. Fluid Levels* 3. Don’t be “cruisin for a bruisin’ ” avoid a ticket - Is your NYS Inspection due?

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Your Neighborhood Auto Repair Shop since 1946

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37

AND…there’s always free popcorn for your ride home! See Ya Later, Alligator!!!

Eileen and Ronnie

Eileen and Ronnie, the owners of Bobb Howard’s Auto Repair Shop and General Store, are a couple of baby boomers who grew up on Long Island playing hopscotch and hide-and-seek, stickball and stoopball, flipping baseball cards and jacks, and playing hit the penny and spin the bottle...

This family owned and operated auto repair business was opened 69 years ago on Columbus Day, 1946, by Eileen’s parents. Today, as in 1946, old-time values continue to be followed - they perform oil changes to motor changes, and everything in-between, and each automobile gets vacuumed, has its windows washed, and you get a “sweet treat” from their General Store too!

AND, they don’t charge to put air in your tires!!!...

They opened the General Store about 19 years ago, when Eileen, noticing the frenetic pace of today’s computerized world, decided it was time to go back to a simpler time, to have people remember what it felt like to be a “kid in a candy store” again, and go back to a time when games didn’t require batteries - a place where kids of all ages could come and browse and giggle with nostalgic memories. The store now has over 1000 retro candies and toys and ships “packages of memories” all over the world...

People often comment on the combination of the two businesses, but for Eileen and Ronnie it is a natural extension of the things they love. Cleanliness, honesty and integrity are of utmost importance to them, traits that were passed down to them by Eileen’s parents. There is also an awards program set up each year at the New Hyde Park High School in Eileen’s parents‘ memories, not for the smartest kids in the class, but for the kids that “try the hardest” - that’s all her parents ever asked of her....

Both the Auto Repair Shop and the General Store have won numerous awards, including Best Auto Repair Shop, Best Muffler Shop, Best Candy Store, Best Collectible Store, Best Toy Store, “One of the 101 Places to Take Your Family”, and “Family Friendly Favorite”, but the one they are the most proud of is the award they won for BEST MOM and POP BUSINESS on LONG ISLAND!!!

Eileen and Ronnie feel very blessed and incredibly lucky: they love what they do, they love coming to work everyday, and they love working with “kids” and “kids at heart” in both the Auto Repair Shop and the General Store - it must be a “generational thing”...

Your Neighborhood Auto Repair Shop since 1946

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38 guide to how to • News Times Newspapers, Friday, July 24, 2015

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