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EASYLIVING

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02 EASYLIVING July 20, 2011 BUYERS GUIDE

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6 ways to save without hardship

Revitalize your wardrobe on a budget

How to save money on your next car

A fresh cabin air filter createsbreathing room inside your vehicle

Get the best price when selling a home

Coax your lawn into a thick green carpet

Staying connectedEven in todays most remote locations

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Reduce stress with relaxation must-haves

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How to clear away the clutter

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BUYERS GUIDE July 20, 2011 EASYLIVING 03

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statefarm.com

Let us help you determine the right steps toward a bet ter retirement.

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6ways tosavewithouthardship

1Shop aroundfor credit cards.While its ideal to avoid financing feesentirely by paying off a card balance each statement, not everyone cando this. Instead, look for cards with the lowest interest rates andtransfer higher-rate balances to that card. Youll save a few dollars hereand there until the entire balance is paid off.

Saving money is often compared to dieting.People know they should count pennieslike counting calories, but sometimes it can be a chore to do so especially whensaving seems like giving up the things you like. But saving money doesnt have to

mean hardship and scrimping to get by. Here are six easy ways to conserve a littlehere and there so it adds up in the long run.

23

45

6

Pay yourself. Set up an automatic withdrawal from your checking accountor paycheck that is placed in a savings account. Or write yourself a checkevery month for a set amount (maybe $100) and dont cash the checks, but

deduct the amount from the checkbook tally.Youll hardly miss the savedcash and will have a substantial amount socked away for a vacation or big-ticket purchase when you need it. Saving $100 a month for 30 years canyield at least $150,129, depending on the savings account.

Shop sales. Take out that grocery store flier and buy whatever is onsale.Build meals around whats offered at a discount.Stick to a set listand dont stray to impulse purchases.

Save change. Empty your pockets of change and put it in a jar.Thosesilver and copper-colored coins are tangible cash just in smallerform. Its possible to fund vacations or other purchases on changealone. And now that some banks offer free change-counting machines,its easier than ever to trade in loose coin for big bucks.

Protect your credit. Lenders look to a credit score to determine theinterest rate at which they will loan you money for everything from carsto mortgages.The better your credit, the better the rate you can receive and less money that comes out of your pocket. Pay bills on time androutinely check your credit report to ensure there are no errors orincidences of stolen identity.

Make your paycheck workfor you. Ask your employer which itemscan be paid out of your salary pre-tax.Usually health insurance, 401(k)plans, flexible spending healthcare accounts, daycare benefits and thelike can be withdrawn before Uncle Sam gets his cut. That meanssavings for you.

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When buying new items at a store, buy piecesthat can be put together in a variety ofcombinations. Stick to similar colors and themes

so that each piece will work seamlessly. Consider multi-layered items thatcan be worn with a cardigan or without; or go from the office to a dinner dateafterward.Remember, items that blend can be worn more often becausethey wont stick out in the minds of others as something flashy.

Shoppers are often amazed at the wide variety ofitems that can be purchased online. If a shopperdoesnt see something in a store for the price shewants, she can comparison shop online.Although she cant try on merchandise, with theexception of some sites that offer a virtual model,many online retailers offer free shipping onreturns.

Online shopping also takes the hassle out ofvisiting several stores, finding parking anddealing with crowds. Plus, a shopper canpurchase things on her own time, whether thats

early morning or after the kids have gone to bed.


Revitalize yourwardrobe on

a budgetClothing styles change ona whim according to whattrend forecasters see as

the it items of theseason. People looking tokeep abreast of certainstyles or just maintain afresh supply of different

wardrobe options mayfind that replenishing acloset can be anexpensive venture. But it

doesnt have to be.

Those without a set

budget may be able toafford monthly shoppingtrips to add new pieces toa wardrobe. However, the

average person lives on atighter budget, and there

may not be as muchroom for discretionary

spending on clothing andaccessories. According toVisualEconomics.com, afamily ofthreemakingabout $64,000 per yearcanexpecttospendroughly 4 percentofthoseearningsonapparelandservices.

People interested in

refreshing their selectionof clothing morefrequently shouldconsider alternativeoptions than buying retail.

Here are some ideas tothink about.

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A good way to socializeand switch-up awardrobe is to host a

clothing swap party. Invite around 10 friends or familymembers to be part of it. Be sure to have at least 2 or 3of the same-sized people so that there wont be anabundance of items to fit one person and not enough tofit another. Shoes and accessories are also acceptable.

Set the rules for the event, where each personis entitled to take as many items as she has brought.

Encourage guests to bring clean, gently used items thatare in good quality. Because this type of get-togetherinvolves some advanced work of sorting throughclothing, be sure to give guests ample advance notice.

Have refreshments on hand and opportunitiesto chat over styles and options. Whatever clothes are nottaken by others can be donated to charity.

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It used to be thatconsignment storeswere the stepchildrenof the retail world.Many people viewedthem as glorified tag

sales and didnt thinkthey were worthy ofinvestigation.

Nowadays,consignment shopsare big business andgood places for savvyshoppers to visit. Muchlike overstock storessell items on discountthat are on par with

department stores,consignment shopsoften offer new or verylightly used items forresale at a fractionof the original retailprice. Plus, theyre anideal place to look forunique pieces andaccessories that mightotherwise have been

out of budget.

Think about how MollyRingwalds character turnedpieces of fabric into newcreations in the cult 1980s film,Pretty in Pink. With some simpletailoring, just about anyone canmodify items to make them lookbrand new. For those who dontknow their bobbins from theirseam-rippers, make friends withsomeone who does and enlist

some help with fashion redesign.

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304-263-3341

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A century ago, cars wereluxuries. Nowadays, cars are

necessities that few peoplecan do without. In manycases, there are two or morevehicles per household.

Purchasing a new car can be astressful process. Individuals dontwant to overspend, and dealers hopeto get the most money. Finding thatbalance typically takes a littlenegotiating, a process many people

dread.

Buying a car also involves knowing thedifference between invoice price,sticker price and other terminologysalespeople use. Doing someresearch before visiting a dealershipcan make the negotiation process gomuch more smoothly. It can also help aperson get a better price on a car ortruck. Here are some tips to follow.

Thinkaboutfull price, notmonthly

payment. Dealerships have financingmanagers that can tweak numbers toget a payment that fits a personsbudget. For those who walk intonegotiations saying they want to pay$250 per month, the salesperson canadjust the term of a loan or the interestrate to realize this payment amount.What he or she may not be doing islowering the price. Instead of shopperssaying what they want to pay permonth, they should indicate what they

want to pay on the actual price of thecar.

Considershopping the internetdepartmentofthedealership. Manycar dealerships have a sales floor andthen a separate, behind-closed-doorsdepartment geared toward internetsales.These salaried salespeople areinterested in moving a lot of stock tomake the dealership money ratherthan focusing on their own individual

commissions. Therefore, they may beable to give knowledgeable shoppers

a more desirable deal. Furthermore,most of the legwork when buying a carcan be done through e-mail or phone

calls, rather than haggling at a salesdesk.

Buy used. Cars depreciate in valuethe moment they are driven off the lot.In the first two years, some modelsdecrease in value by 25 to 40 percent.Instead of paying the premium for anew car, purchased a pre-ownedvehicle that is a few years old. Manycarry decent warranties, or anextended warranty can be included in

the purchase. Dont buy beyond yourmeans. Itseasy for shoppers to be blindsided bythe glitz and glam at manydealerships.A single person walking inand buying a 7-passenger extendedSUV may be purchasing more than heor she needs. Similarly, he or she mayget extra features that arent needed.For example, many navigationsystems that come as extras with carsare pricier than aftermarket, portableGPS devices that are just as effectiveand easily plugged into a vehicles A/Cadapter.

Take care of your credit rating.Good credit means a better financingrate. Very few people can walk into adealership and pay cash for their cars.This means taking out a loan with thefinancing department or an outsidebank.The better interest rate comes tothose with a higher credit score.

Individuals should keep track of theircredit scores and any blights on arecord. Not only will this help withsaving money on a car, it will affectother purchases as well.

Priceof caraffectsinsurance, too.Some of the higher-end vehicles orsports cars come with a big ticket price and also a higher insurance rate. Ifthe goal is saving money, look for areliable car with good safety ratings.

This will help reduce costs on thevehicle as well as insurance.

HOW TOSAVE MONEYON YOUR NEXT CAR

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Lets say you are about to take a longroad trip. Its one thing to have to cleanout your car ahead of time to createenough space for you and your familyto be comfortable inside. But did youknow that you could also help thembreathe more comfortably

especially if some of them suffer fromseasonal allergies or asthma?Breathing in dirty roadside air thatenters through the vents affectseveryone, particularly the mostvulnerable those that aresusceptible to respiratory illnesses.

If breathing clean air is a concern forany reason, checking and replacingthe cabin air filter should be on everyvehicle owners list before taking along trip, said Chuck Kerrigan,Director of Marketing for Purolator, amajor supplier of BreatheEasy cabinair filters to the North Americanaftermarket.

A new cabin air filter is designed toprotect the vehicles occupants frombreathing in air that is contaminatedwith roadside dust, pollen, dirt, sootand mold spores and even noxiousgases and odors.

Most motorists are not aware that

more than 80 percent of new domesticand import vehicles sold in the UnitedStates today come equipped withcabin air filters, says the Car CareCouncil (www.carcare.org/node/354),an automotive consumer group.

And, it is even less likely that theyknow about the important functionthese cabin air filters perform, and yet,they are inexpensive and usually quiteeasy to replace, said Kerrigan.

Just ask your automotive technicianto show you an old, dirty one, said

Kerrigan. One look at a clogged cabinair filter will convince you that theres agreat deal of dust, dirt, and othercontaminants floating around in yourcars cockpit. Breathing in that debriscan be damaging to the health ofanyone, especially those that sufferfrom allergies or breathing problems.

Conventional wisdom suggests that acabin air filter be changed once everyyear or every 12,000 to 18,000 milesfor maximum benefit. Regardless ofwhich was installed by the vehiclesmanufacturer, you can replace a usedcabin air filter with cabin air filters likePurolator BreatheEasy, which come intwo designs depending on the vehicle.One is a particulate filter, the other isan activated charcoal filter which alsohas the ability to filter out unpleasantodors.

Replacement is usually simple for do-it-yourselfers or professionaltechnicians and many cabin air filterscome with detailed vehicle-specificinstallation instructions. Most can beinstalled in about 15 minutes. Thecabin air filter may be located behindthe glove box, under the hood near thewindshield, or under the dash.

Refer to your owners manual to see ifyour vehicle has one. And if you find it

clogged, it is recommended youchange it.

If you are planning a longroad trip and are

particularly concernedabout roadside dustaggravating asthma orseasonal allergies inyou or yourpassengers, checkyour vehicles cabin air

filter to see if it isclogged. Clean cabin air

filters protect everyone especially those with

breathing problems bykeeping environmental pollutants fromentering a vehicles interior through thevents. Automotive filter supplier,Purolator, recommends replacing avehicles cabin air filter every 12,000 to18,000 miles for maximum benefit.

A Fresh Cabin Air FilterCreates Breathing RoomInside Your Vehicle

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Buyersoften prefer

UPDATEDKITCHEN

S &

Get the best pricewhen selling a homeThe housing market has not yet rebounded to pre-recession prices, when buyers seemed to be steppingover one another to bid up the price of homes. Todayssellers may be lucky to get asking price, with the realitybeing a certain percentage below.However, that doesntmean sellers should accept bottom-of-the-barrel offers.There are still ways to get the best price possible on anoffered home.

With sellers hoping to get the most possible for a home and buyers interested in spending the

least, its sometimes a battle of wills when it comes to hashing out a confirmed price in the worldof real estate. Sellers who wonder whether theyll struggle to get a good offer can hedge their betsin the right direction by employing a few strategies.

What youseeis what you get: Its difficult to changefirst impressions. If a potential buyer pulls up to a homethat doesnt give them warm and fuzzy feelings

immediately, it may be hard to eventually sway opinion ofthe home even if its pristine on the inside. Individuals dojudge a book by its cover, which means that effort shouldbe put into making a homes exterior as appealing aspossible. Landscaping should be neat and lush. Thereshouldnt be any obstacles leading to the front of the home.Items that look in disrepair should be mended.Curb appealdoes matter.

Usearealestateagent: Many people forgo this step,thinking they can sell their home just as well without anagent and not have to pay commission in the process. A realestate agent is schooled in the process of negotiating the

price of an offered home. In fact, the more a homes sellingprice, the higher the agents profit. Thats incentive rightthere. Furthermore, agents know the average prices of

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similar homes and can help a seller priceand market a property correctly. Thatmay add up to a faster sale (and a betteroffer).

Price it competitively: Some sellersthink the higher they price their home themore money theyll get for it.The fact is,the longer an overpriced home sits on themarket, the less appealing it will appear tobuyers. Individuals looking for a home mayrepeatedly see the listing and wonder

whats wrong with the home.Even if its thebest home in the neighborhood, it may beseen as a red flag thats best avoided.

Give people whatthey want: Buyersoften prefer updated kitchens andbathrooms. Most buyers out there arenot looking for handyman specials.They want a relatively turn-key proper ty.A kitchen or bathroom that is aneyesore can repel potential buyers.Home shoppers may be more inclinedto go closer to asking price if some ofthe bigger-ticket items are alreadycompleted.

Dont beanopen book: If a buyerknows that time is of the essence or thehome is priced to sell, he or she maysense that desperation, almost

guaranteeing a low-ball offer. Sellersshouldnt let on too much about theirreasons for selling or make it seem liketheyll be in dire straights if the homedoesnt sell quickly. Selling a homeunder duress is not likely to causeprospective buyers to pony up.

Dont beafraidto counter-offer: Abuyer who is excited to get an offer on ahome in a slow market, but feels theoffer is below value, should definitelycounter-offer. While the buyer may not

accept the counter, he or she may makeanother offer that is more to the sellersliking.

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Coax your lawn into aTHICK GREEN CARPETEven with the concern about the use ofherbicides and pesticides, you can stilltransform your lawn from lookingtiredandtatty into the outdoor oasis youvealways wanted. Some techniques for lawn careare triedandtrue and others are brandnew.

We do indeed have a breakthrough inherbicide technology, says Reinie Drygala,Lawncare Products Manager for Clear Choice,a leading name in innovative garden products.Homeowners, gardeners and municipalities

are demanding products that are both effective

and environmentally responsible and ClearChoice meets those demands.

If you look at the label you will see that theformula contains up to 85 percent less activeingredients as compared to other productsusing the same ingredients.With uniquemicrotechnology we are able to create muchsmaller droplets that can easily penetrate intothe targeted weed. Clear Choice works on upto 60 different varieties of broadleaf weeds,killing them quickly while being friendly to yourlawn.

Fertilize: Follow gardeningadvice and feed the lawn withnutrients four times yearly:two in spring, andtwo in fall.

Weed control: Use anapproved herbicide spray thatis formulated to target the

weeds without killing thegrass. Information at:www.todaysclearchoice.com.

Patch Repair: Fix bare spots byoverseeding, a process ofplanting grass seed directly intothe soil of an existing lawn.First,rake, aerate, and cut the grassshort; on patchy spots spread amoist layer of lawn soil;disseminate grass seed over thesoil; water and keep moist forseveral weeks while the new grassgrows.

Aerate: A lawnneeds air, so do rakeaway the leaves,twigs and debris.Or, take it a stepfurther at the rootswith core aerationfor stronger, longergrowth toundergroundrainwater.

Additional quick tips for a flawless green turf include these steps:

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Coming Soon...Coming Soon...thinkthinkgreen

Going GREEN is easier than ever!Find helpful tips in our special section to make your life

simpler and more environmentally friendly.

GOING GREEN MEANS SAVING GREEN!

The Buyers Guide

A Special Supplement only in

Fromskiing the Rocky Mountainstosailing aroundthe U.S.VirginIslands, getting amobileconnectioninremotelocations canoften provedifficult ifnot

impossible. The lack of cellulartowers in hard-to-reach areas yieldsminimal signals and little to no accessto mobile communications services.However, new mobile technology,traditionally used primarily bygovernment officials, can now helpmobile users stay connected even inisolated locations or when cellularnetworks are unavailable.

The game in mobile communicationshas changed thanks to an integrated

satellite-cellular smartphone.TheTerreStar GENUS offers afeature-rich approach to mobilesatellite communications. About thesize of a deck of cards, the phoneconnects to the AT&T wirelessnetwork for primary cellularconnectivity, and gains satelliteconnectivity through the power ofTerreStar-1, the worlds largestcommercial communications satellite,which acts as a cell tower in the sky.With the additional layer of satelliteconnectivity and security in aconvenient smartphone form factor,the mobile users everyday phoneeasily becomes an emergencysatellite phone when the user is out ofcellular coverage or the network isunavailable.

The worlds only satellite-enabledsmartphone offers the ultimatewireless backup capability using the

cellular network as the primary modeand satellite connectivity as asecondary option for voice, data andmessaging.With just one phonenumber and one contact list onone device users with a line ofsight to the southern sky can feel

secure with expanded voice and dataroaming coverage in the UnitedStates, Puerto Rico, U.S. VirginIslands and in coastal waters up to200 miles offshore.The phone runs

on the Windows Mobile 6.5 operatingsystem, providing rich functionalityand a full spectrum of premiumsmartphone features, such astouchscreen, camera, MicroSD slot,Wi-Fi, Bluetooth, GPS, and fullQWERTY keyboard.

This is the smartest smartphoneweve seen in satellitecommunications, as the devicepushes the envelope and satellitecommunications in new directions,

said Daniel Longfield, senior analystat Frost & Sullivan, a researchconsultancy. Its lightweight, has thesame look-and-feel as a traditionalsmartphone, is small enough to fit inyour pocket, yet combines thefeatures of satellite and cellularcommunications to offer the mostcomprehensive service possible something no other satellitecommunications company has figuredout yet.

This smartphone provides a peace-of-mind satellite backup option andoffers mobile communicationsassurance with its integrated satellite-cellular service on demand.Thedevice and service plan are pricedcompetitively when compared totraditional mobile satellitecommunications devices, and can bepurchased by consumers atwww.Amazon.com or through anAT&T representative (for businessand government customers).

To learn more about the phone andhow it works as compared to atraditional cellular-only device, go towww.YouTube.com/TerreStar. Itsgood to stay connected.

Staying Connected

Even in TodaysMost RemoteLocationsNever be out of touch, even inremote areas, when you havea phone that pairs satelliteand cellular technology.

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Incorporate healthy beverages into your dietto improve overall health and not hinder

weight-control plans.

People have long been toldby doctors and health expertsthat the foods they eat have adirect correlation to personalhealth. But the beveragesindividuals choose to drink

could be equally asinfluential.Choosing the rightbeverages can fit with anynutritional plan.

A study in the AmericanJournal of Clinical Nutritionindicated that around 37percent of individuals totaldaily liquid calories comefrom sugar-sweetened drinks.In addition, these sugar-

sweetened drinks could bemore likely to cause obesitythan fatty foods.

Another health topic ofinterest lately is probiotics forpromoting health. Probioticsare healthy bacteria that workin concert with the digestivetract to improve overalldigestion and boost immune

system function. Probioticscan help with a number of

digestive ailments, includingconstipation, diarrhea,stomach ulcers, irritablebowel syndrome (IBS), andacid reflux.

Also, research indicates that70 percent of the immunesystem is located in thedigestive tract, which meansprobiotics can benefit otherparts of the body, too. Theintestines are necessary forabsorbing important vitaminsand minerals and weedingout wastes. When they arenot working properly certainconditions may arise, such asvitamin deficiency, fatigue,and susceptibility to illness.

There are a number of foods

today that contain probioticsor prebiotics dietary fibersthat stimulate the growth ofprobiotic bacteria in thestomach. Now there arebeverages, such as thosefrom PRE BeverageCompany, that have thesehelpful bacteria boosters, too.Cutting back on unhealthybeverages and replacingthem with better ones can beone way to get fit and feelgreat. But where to start?

First, a person can takeinventory of the types ofbeverages he or she drinkson a regular basis and makesome easy switches.

Choose zero-calorie drinks.Hot or cold, tea is calorie-free whenconsumed without added sugar or milk.

Coffee can be this way, too, if you skipthe cream and sugar. Of course, wateris the go-to beverage of choice if aperson wants to cut out liquid calories but there are other options, too.

Zero-calorie, probiotic-enhancingbeverages sweetened with all naturalStevia leaf extract were recentlyannounced at the Natural ProductsExpo West in Anaheim, California. Therefreshing drinks are available inseveral flavors to appeal to any palate,

including Pomegranate Blueberry,Cranberry Raspberry, PomegranateYumberry, and Peach Mango.Furthermore, the drinks, fromcompanies like PRE Beverage, containall-natural prebiotics.These beveragescan be a tasty addition to anyones dietand a viable alternative to calorie-ladendrinks.

Its important to remember thatbeverages play a big role in personalhealth. Choosing low-calorie, healthy

drinks is a way to maintain a healthyweight while simultaneously boostinggeneral well-being.

The averageperson swallows400 calories from

liquids each day.

You Are What You

DRINK

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Monitorfruit juice

consumption.On the surface,fruit juices wouldseem to behealthy. But itsbetter to eatwhole fruit,because manyfruit juices havemore calories oreven added sugarthan an equal

serving of wholefruit.

Ban thebooze.Alcoholicbeverages maybe the go-todrinks at partiesand other socialoccasions, butthey can pack onpounds quicklybecause of thecalories. Theaverage glass ofwine containsbetween 110 to120 calories.

Say so longto soda.Sweetenedsodas are ano-no, but evendiet soda canruin diet plans.Diet sodascontain artificialsweeteners,which studiesare starting tosuggest lead toweight gain.

Switch to low-fat milkand dairy products.While high-fat, high-caloriewhole milk items may wreakhavoc on waistlines andcontribute to cholesterollevels, low-fat milk is the idealway to receive essentialvitamins and calcium.Plus, Researchers at theUniversity of Tennessee atKnoxville found that havingthree servings of low-fat dairyper day can lead to weight

loss of 10 percent or more.

Boost teadrinking.

Tea containsantioxidantsthat can fightdiseases andpromoteoverall health.Tea mayalso rev upmetabolism.

Here are other waysto make beverageswork for the body.

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Relaxation Awaits You....

Stress is something that is a part ofmost peoples lives, but it doesnt haveto be an overwhelming factor.With afew simple stress-relief techniques,individuals can feel calmer andhealthier.

Stress has become a daily partof peoples lives. Despite itsdetriments to health and well-being, stress seems to besomething most people cantshake. Increasing the numberof relaxation tools around thehouse may prove effective atreducing stress.

Pick any number of surveys

and youre likely to find that thegeneral public is stressed out.A survey by NorthwesternNatural Life indicates that 40percent of workers report thattheir job is very or extremelystressful. A National HealthInterview survey indicates that75 percent of the generalpopulation experiences somestress every two weeks.Forty-two percent of peoplequestioned by an American

Psychological Associationstudy found that stress hasincreased in the last few years.

Considering more than half ofall Americans are concernedwith the level of stress in theireveryday lives, the followingsteps to reduce stress mightbe very helpful to millions ofpeople across the country.

Hot Tub

Water, heat and massagetherapy as provided by a hot

tub can alleviate many of thebody strains caused by stress.Raising core body temperaturefor 15 minutes around 90minutes before bed has beenshown to induce a more restfulsleep. Heat also dilates bloodvessels to increase blood flowto sore or damaged tissue. Inaddition, water providesbuoyancy that reduces strainon muscles and joints. Add thegentle massage from spa

bubbles and the body isrelaxed. This, in turn, can helpturn off the mind and facilitate

feelings of ease.

Swimming

A pool, much like a hot tub, canfoster feelings of relaxation.Swimming combines thestress-relief of water with thebenefits of exercise. Dailyswimming can shake off thestress of work and family life.

MassageFew things can reduce stressas much as the feeling ofhuman hands working thekinks out of tense muscles.Massage can alleviate pain,reduce anxiety and may evenimprove immune systemfunction. There are manydifferent types of massagesavailable. A person cancertainly invest in a massagetable for home and have a

spouse or family member dothe massage. However, mostprefer to visit a spa or

rehabilitation center and rely ona trained professional.

Exercise Equipment

Having a stationary bike,treadmill or elliptical trainer in

the home can entice people toget moving. Exercise is aknown mood-booster. In a2007 study at Duke University,exercise was shown to reducemajor depression as well asstandard antidepressantmedicat ion. Stress anddepression are often linked.Exercise releases endorphinsinto the body, which can banishthe blues. Other studies haveshown that as little as ten

minutes of brisk walking raisesthe mood and increases theenergy level of people for up totwo hours after the walk.

Alternative Therapies

Everything from accupunctureto aromatherapy to musictherapy can be tried in an effortto staunch stress. Following inthe footsteps of Eastern aeeffective at calming the mindand the body. Look for local

classes where these activitiesare offered, or simply try themat home.

Reduce Stresswith relaxation must-haves

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Cultivate your own bounty of vegetablesIt only makes sense to turn a little patch of yourproperty into a personal supply of organic food.

Quality and costcontrol are the top reasons to doit and avid gardeners will tell you that there is aspecial kind of joy in planting, growing, picking andserving the freshest produce possible.

Today, approximately 30 percentofresidentialhomesin North America cultivatea vegetablepatch and most will tell you that the growingseason can be full of surprises. Sometimes, thewinter will leave much more moisture

in the ground than the year before, but other times,drought will hamper your harvest and so will heat,

insects, weeds and plant disease.

Insects and disease can be a serious problemwhen growing vegetables, says Reinie Drygala,Products Manager for PureSpray Green, a leadingname in innovative garden products. Ifuncontrolled, they will destroy your prizedcollection of vegetables and flowers. The questionis how do you effectively deal with these pests andstill use a product that you can feel good aboutwhen it comes to your impact on the environment?

Our researchers experimented tirelessly to

produce a horticultural spray oil for yearroundcontrol of insects and disease, Drygala

continued. The resultingPureSpray Green is an

allinone formula for use inorganic gardening and allowsgardeners to feel good aboutspraying it on flowers, fruits,

vegetables, shrubs and trees.The sister brand Clear Choice isalso a breakthrough in herbicidetechnology for controlling weeds

on lawns and walkways.

Here are a few more quick tips to refresh your

startup skills in the vegetable patch:Clean up: Clear your patch byremoving grass, rocks, or other debris.

Tillthesoil: Addatleast 6 centimetresofnew vegetable gardensoilto providenutrients, improvedrainage, andtopromotestrong root growth.

Plant at the right time: Early season vegetablesinclude broccoli, carrots, lettuce, peas,and spinach. By early June, you can plant the

warmweather vegetables like corn, tomatoes,cucumbers, and peppers.

Prevent weeds: Putalayerofmulcharoundthe plants

Control pests and disease: keep anorganicapproved spray handy for insect anddisease control. Information at:www.todaysclearchoice.com.

Water: Keep seedlingsmoist bywatering regularly.

Harvest:Your bounty should growquickly from seedlings to a full harvestin less than 60 days.

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Cheese CanBe a Part of a

HEALTHY DIET

It is certainly hard todenythe

a

ppeal

of

cheese.

On top ofa burger, cheese makes every bitebetter. Mixed into pasta, it can turn theaverage dinner into a feast. And whatchild (or child at heart) doesnt enjoy asatisfying grilled cheese sandwichevery now and then?

Despite the delights of cheese, themost common varieties provide onaverage 80 or more calories androughly 7 grams of fat per ounce, which

can make it a luxury for those watchingtheir weight. Cheese also can be highin cholesterol. For example, just 1 cupof whole milk ricotta contains 125 mg ofcholesterol.But when individuals turn toall natural kefir (labne) cheese, theydont have to feel guilty about their loveof all things cheesy.

Cheese-lovers can look to a creamy,delicious cheese that isnt as wellknown as the mozzarellas or bries out

there, but just as satisfying. Whatsmore, it can be a part of anyoneshealthy diet.

Although a staple of traditionalMediterranean diets for generations,many Americans are unfamiliar with allnatural kefir cheese (labne).Traditionally labne (often spelledlabneh) is made by draining wheyfrom slightly salted low fat yogurt. Theresult is a thick and creamy spreadablecheese that is a healthier choice forcheese lovers monitoring the fat andsodium in their diets.

Over the past several years there hasbeen a great deal of interest in

Mediterranean cuisine due to its wellestablished health benefits, saysRostom Baghdassarian, COO ofKaroun Dairies. The advantages ofincluding antioxidant-rich fruits andvegetables and high fiber pasta andrice in our diets are well known, yet allnatural kefir (labne) cheese is still oneof the best kept secrets of theMediterranean approach to healthyeating.

When used in recipes, all natural kefir(labne) cheeses add a smooth creamytexture to marinades for poultry or lamb

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All natural Kefir cheese(Labne) is thick andcreamy enough to replacesour cream atop potatoes

and more.

Warm Carmelized Onion Dip

1 Tbsp. extra virgin olive oil

1 cup finely chopped onion

? cup Karoun Low-Fat Labne? cup grated sharp white cheddar

Tabasco to taste

? tsp. sea salt

1 Tbsp. chopped fresh chives

Preheat oven to 350 degrees.

Heat oil in nonstick skillet and add choppedonions. Cook over low heat until onions are adeep golden brown, stirring frequently as theydarken. Remove from heat and cool beforeproceeding.

Mix Karoun Low-Fat Labne, cheddar, Tabasco,and salt in a medium sized bowl until blended.Mix onion into labne mixture. Spread dip in ashallow 5 x 7 baking dish. Bake for 20 minutes oruntil bubbly and lightly browned. Stir in chivesand serve. Serve with pita chips or crackers.

Karoun cheeses are all-natural and handmade,using only milk from cows that are free fromgrowth hormones, BGH/rBST, and are RealCalifornia Milk certified. Karouns yogurtproducts (yogurt, Kefir Cheese (Labne) and SourCream) are all-natural and OU Kosher certified.

Please visit www.karouncheese.com to learnmore.

HOMECH

EFSCANALSOTRYTHIS

RECIPE,

COURTESYOFKAROUND

AIRIES:

and a tangy creaminess to soups.Many foodies use them as ahealthier substitute for creamcheese or sour cream. In additionto the Original Kefir Cheese(Labne), Karoun also makes aLite Kefir Cheese (Labne) withhalf of the fat and half of thecalories of regular.

There are many ways all naturalkefir (labne) cheese can beincluded at mealtime.

Drizzlethe cheese with extravirgin olive oil, sprinkle with

crusted hot red pepper and

fresh mintanduseasadip forpita chipsor crackers.

Mix it with shredded carrots,

diced roasted peppers, andcucumbers for a refreshing

fresh vegetabledip.

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Coldweatherimpactsmorethantheenvironment.Justas the landscape seems weary and brittle whencovered in snow and ice, and animals have beensequesteredin hibernation, coldweather canalsotakeitstollonthe human body.

Individuals who experience arthritis or joint aches and painsfrom jobs and past injuries, may have their symptomsexacerbated when the temperature is brisk. Rebounding oncethe weather warms up may require gradual changes and asmart strategy, including natural pain-relief products that dontcarry the side effects or stigma of prescription meds.

A few years ago I slipped and broke my ankle that requiredtwo surgeries and repair with several pins and a metal rod,says Jeanette S.The stiffness that still occurs in my ankle canbe uncomfortable, particularly when Ive been inactive for awhile. The pain also deters me from participating in manyactivities even when I feel like getting outdoors.

More than 40 million people in the U.S. have arthritis, accordingto reports from the organization, Caring 4 Arthritis.Osteoarthritis, or the gradual degeneration of cartilagebetween the joints that results in pain and stiffness, is the mostcommon form of arthritis. While arthritis can be hereditary,many cases of osteoarthritis are due to repetitive motions or

injuries to specific joints from work-related tasks or sporting

activities.

Many other people experience joint pain as a side effect ofaging or a past injury. Becoming active again come spring orsummer, or directly after recovering from an injury, may not beas simple as getting back on the figurative horse. Arthri-ZenRelief, the all-natural solution that helps men and women fightpain and muscle discomfort, offers these tips.

Talktoadoctorfirst. Before beginning an exercise regimenor joining a sports team, its important for people to mentiontheir plans to a doctor, whether a general doctor or a specialist,such as an orthopedist. He or she can advise which activitiesmay prove beneficial and which may complicate injuries or pain

issues. Begin gradually. After spending time cooped up indoors asa relative couch potato, one might be inclined to hit the groundrunning. But muscles and joints that havent been worked outin a while could be more sensitive to injury. People can startwith several minutes of stretching and work up to their formeractivity levels over the course of a several weeks. An avidrunner may want to begin by walking briskly or shaving his orher 5-mile run down to 2 miles and working up.

Pay attentionto pain. While any activity that pushes thebody can result in some soreness, particularly if a person isout of shape or has been out of the game for a while, these

aches and pains should be minor and alleviate after a few days.Any pain that is sharp or debilitating could be the sign of aninjury and should be brought to the attention of an expert.

Other aches can be treated with products like Arthri-Zen ReliefCream and Capsules, an analgesic cream made from aclinically tested proprietary herbal blend of juniper, goldenrod,dandelion, willow bark, and meadowsweet, all of which aredelivered with a low level of menthol and wintergreen in a basewith aloe, shea butter, avocado, and grape seed oil. It can beused to provide fast relief to hot spots.

The capsules contain the same herbal extracts, which help

interfere with the transmission of pain signals. For example,juniper blocks the production of compounds that make painreceptors more sensitive. Meadowsweet and Willow Barkcontain a variety of salicin compounds that have a pain-relieving effect without side effects or allergic reactions. Thecapsules were carefully tested on people suffering from severearthritis pain and are clinically shown to relieve joint and musclediscomfort.

Remember, many activities constitute physicalexercise.Just because a person is going to mow the lawn or do somegardening now that the weather is warmer doesnt mean he orshe should start out at a break-neck speed. Like jogging or

heading to the gym, mundane activities such as tilling soil or

Dont let muscle and joint painfoil plans to get active this warm-weather season.

scrubbing winter grime off of deckscan get the heart pumping and push

the body. Go slowly and build upgradually just as with any otherexercise.

Try low-impactactivities. Whenthe weather gets warmer it is a greattime to head to the water to get dailyexercise. The buoyancy offered bythe water takes the strain off ofmuscles and joints and providessubtle resistance. Swimming andwater aerobics are a great way tostay in shape in a low-impact way.

As an avid runner, I know what itslike to want to get outdoors and beactive when the weather warms. Butwhen past injuries are likely to causepain, I need something to keep it atbay or risk compromising myworkout, offers Gil lian C. Iturn to Arthri-Zen Relief cream toreduce discomfort after my runsand workouts. It is the only product Itrust.

Learn more about muscle and jointrelief by visiting www.rznnutra.com.

Smart Ways to

Spring intoACTION

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A cluttered home is one that is typicallyfilled with memories. However, as theyears and the memories pile up, cluttercan take over a home.When thathappens, residents can feeluncomfortable and boxed in.Clutter haseven been linked to mental healthissues, most notably depression, assome mental health professionalstheorize that clutter indicates apreoccupation with the past and possibly

a dim view of both the present and thefuture.

Those who dont have an issue withclutter might find it difficult to understand

just how difficult it can be to address.Butremoving clutter is more than just boxingthings up and leaving them at the curb.To clear a home of clutter, men andwomen should consider the followingtips.

Enlistafriendto help.Whenpeople work alone to conquer clutter, theprocess is far more likely to draw out.Thats because individuals will likely finda reason to keep everything they have,making decisions on each and everyitem very difficult. Enlist the help offriend who can help decide if an itemshould be kept.Someone who isntattached to each knickknack andkeepsake can likely offer a moreobjective opinion on items cluttering upthe home.

Dont kid yourselfabout

brokenitems. Clutter collectorsoften have several items around thehouse that they insist theyll get aroundto fixing.When it comes to broken items,men and women must be honest withthemselves as to the reality most itemswill never be fixed.If an item has spentyears lying around the house in need ofpatchwork, then its realistic to assume itwill remain broken. Whats more, if abroken item like a candy dish hasalready been replaced by a candy dish

that isnt in disrepair, its safe to discardthe broken dish.

Cleanoutthefile cabinet.Clutter collectorsare oftenrenowned forkeepingdocuments longafter its necessaryto do so.Thoughsome documents,including taxreturns, boastlonger-than-average shelf lives,its not necessaryto retain allpersonal andfinancialdocuments foryears.The rule ofthumb with respectto keeping taxreturns is to hold

on to them for seven years. Additionaldocuments, including mortgage papers,investment paperwork and otherextraordinary documents, should beheld on to as well. But theres no reasonto hang on to documents like utility bills,phone bills and even bank statementsfor several years. Cleaning out the filecabinet could clear up a significantamount of space.When disposing of olddocuments, do so with a paper shredderto increase security.

Embracerecycling. One way toturn clutter into a positive is to embracerecycling. One of the items cluttercollectors commonly accumulate isperiodicals, be it newspapers ormagazines.For those who live in acommunity with curbside recycling,consult the local recycling center todetermine if they collect periodicals. Ifnot, arrange a time when these itemscan be dropped off at the center.Recycling old periodicals is good for theenvironment and can help individuals

living in clutter quickly and easily clearout a significant amount of it.

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HOW TO CLEARAWAY THE CLUTTER

Consideriftheresa chancetomakemoney.A home full ofclutter isntnecessarilydevoid of value.Infact, older itemsthat have donelittle more thancollect dust couldactually bevaluable.Cashcan be a greatmotivator when itcomes to clearinga home of clutter.Turning clutterinto cash can bedone in anynumber of ways.Yard sales, onlineauction sites,local newspaperclassified ads,

and even thelocal antiqueshop are a few ofthe options menand women haveif they hope toturn their clutterinto cash.

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Great food, wine and a little designare the perfect ingredients for creatinga special date night. HGTV host andinterior designer Monica Pedersen, ofDream Homeand Designed to Sellfame, is the perfect guide to help youdesign a memorable date night.Whether your budget is big or small,the secret to a fabulous date ismaking the extra effort to show

someone that you think theyrespecial.

Light the Scene

Create a special atmosphere bybringing out the candles. If largepillars or candelabras are out of thebudget, simply mass inexpensive tealight candles in small glass votives ona table or around a room. In the worldof design, nothing sets the tone fasterthan lighting.Wine by candlelight is

an easy go-to for any date night.Make It a Tradition

Uncork a great bottle of wine, andtoast the person youre with by tellingthem how special you think they are.Im a fan of Rutherford Hill Merlot

from NapaValley,which wasserved at mywedding. Trywriting your toastahead of time andreading it to yourdate. It really showsthat you put some

thought into thespecial moment,which is whatmatters most!Then date thecork from thatnight and tuck itaway, or put it on display to star t anew tradition. I have a collection ofcorks marking special date nights in aglass box on my coffee table. Puttingthem in a footed glass bowl is a great

way to feature the corks, as well.Create the Perfect Pair

If dinner is part of your date night,make a dish that you know is specialto the one you love, and serve it witha wine that pairs perfectly(www.uncorked.com has an easy-to-use wine pairing guide). Dont forgetto bring out the fancy table settings, ifyou have them. Make date night thespecial occasion you have been

waiting for by pulling out the goodstuff.

Add a Thoughtful Touch

Since money and time are tight formost of us r ight now, inexpensivetakeout and a mixed bouquet of freshflowers can make a simple date nightfeel like a special occasion. Thesekinds of bouquets are usually under$10 at most grocery stores.Remember, its making the effort thatcounts. If you are near a grocerystore, pick up a bouquet of their freshcut roses.They are a serious bang forthe buck.

Invite the Crew

If getting a babysitter for date night isa problem, include the kids, and letthem read a list out loud of all thereasons that Mom loves Dad, andDad loves Mom.All the while, Momand Dad get to sit back and enjoy aglass of Rutherford Hill.

The right bottle of wine isan essential element for a memorabledate night.

Make Date Night

a Great Night

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Outdoor get-togethers typically makefor memorable affairs. Be it a picnic inthe park, a backyard barbecue or atailgate in the parking lot at the biggame, fresh air always seems to addmore fun to the festivities.

As fun as such soires can be, hosts

and guests alike know theres no limitto the fun that can be had whengetting together with friends andfamily for some outdoor revelry. Hostshoping to enliven their outdoorentertaining can employ the followingtips and let the good times roll!

Taketheindoorsoutside. Hostinga party indoors certainly has itsadvantages, not the least of which isthe host of amenities a homes

interior boasts that the backyard andthe local beach simply cant offer. TheBest of Times Bar & EntertainmentCenter (www.bestoftimesusa.com)enables hosts to set up a bar forguests within minutes. Easily set upanywhere in less than five minutes,this patented, professional-quality barenables hosts to bring the fun of thefamily bar outdoors.

Designed to fit in the width of aparking space, this bar &

entertainment center wont take up

much space,leavingpreciouroom for theall-importantWiffle ballgames and

backyardbadminton battles. Each L-shapedunit features four padded barstools,an optional side table and a UVprotected umbrella that wont fade inthe sun. Made with durablecountertops, each bar includes a bar-level shelf, ample storage and adrop-in waterproof cooler that keepsas many as 18 cans or bottles icycold.

Makeitamusicalaffair. Music

often sets the tone for a party,whether that party takes place insideor outside. Hosts should choosemusic that lightens the mood andencourages guests to relax. Whenhosting a backyard barbecue,encourage guests to bring their owninstruments and, if any friends orfamily members are in a band, invitethe band over to perform.Thoughpublic parks and beaches mightfrown on loud music, bring an

acoustic guitar along and keep things

How To Enliven

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low key. If the party is aligned with aspecific holiday like IndependenceDay, be sure to include some patriotictunes in the evenings playlist.

Givethefestivitiesatheme. Hostscan set their soire apart from othergatherings by choosing a theme fortheir next outdoor party. Easilycustomized with interchangeableimage wraps to match any dcor,an outdoor entertainment center canfit right in with any party theme.

When hosting a themed party,encourage guests to get in the spiritof things by wearing theme-appropriate attire. For instance, whenhosting a summertime luau, dress up

the entertainment center with abeachside tiki dcor and encourageguests to wear their favorite Hawaiianshirts.

Becomethetalkofthetailgate.Few activities are as fun as thepregame tailgate in the parking lotbefore the big game. Veteran sportsfans know a good tailgate is morethan just a place to gather before thegame.A tailgate is a great opportunity

to meet fellow fans and express yourlove for the team. The outdoorentertainment center takes that one

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game in person. Once your tailgate

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consider adding additional barstools

for all those new friends as well as the

side table, which makes a great place

to prepare and display all that

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Setup forsafety. While outdoor

gatherings are all about fun, hosts

should always remember to keep the

safety of their guests in mind.

Encourage guests to choose

designated drivers and be sure to

have the phone numbers of local taxi

companies nearby in case any guests

need a lift home at the end of a fun

night.

Candles , Country Crafts ,Handmade Basket s ,Pa int ing s & More !

Great for Fundrais ing !

Specializing In Keepers of the Light & WoodWick Candles

Cel l 304-671-5084 DeAccents@aol .comCel l 304-671-5084 DeAccents@aol .comCell 304-671-5084 [email protected] Kodiak Drive, Martinsburg, WV Hours: Tues-Fri 9am-5pm Sat 9am-4pm

I81 Exit 20 go 2 miles south on Rt. 11 on right! At Allmans Used Cars!

StephaniesStephaniesDeLightful AccentsDeLightful Accents

Country Store

Flowers

UnlimitedYour Downtown Florist

Call to order yourarrangements today!

304-260-5770www.flowersunlimitedwv.com44 N. Queen Street Martinsburg, WV

Green & Blooming Plants Large Selection of Cut Flowers Mariposa Tymes Spartina Handbags Nice Selection of Home Accessories & Gifts Permanent Botanical Arrangements & Wreaths

Financial aid is available tothose who qualify

INTERNATIONAL

BEAUTY SCHOOL

201 W. King St . , Ma rt insburg

Call No w To Enroll304-263-4929 or 301-717-7668

ClassesNowFormingAll services performed by supervised students.

Cosmetologist, Esthetician,or Nail Tech!

TodayStart Your Career as a

$30 00$30 00$3000SUPERSTYLECUT, STYLE &

COLOR

Must present coupon.

Not valid with any other offers

Offer Expires 8/15/11

Bring this couponand receive20% OFF20% OFF20% OFF

any serviceMust present coupon.

Not valid with any other offers

Offer Expires 8/15/11

4

BUYERS GUIDE

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*On Select In Stock Models. Parsons Kia and the Buyers Guide are not responsible for typographical errors. Ad must be brought in prior to sale. Sale price not valid after purchase. See Dealer for Details. Pricesinclude all rebates, owner loyalty or competitive rebates and KIA financial incentives for qualified buyers with KMF 506 program. Prices do not include taxes, tags, freight, a $199 processing fee.

VISIT US ON THE WEB AT WWW.PARSONSKIAOFWINCHESTER.COM540-667-8400 800-490-4447

2525 Valley Avenue, Winchester, Va. 22601

Sale Ends 7/31/11

Stk#11413

NEW! 2011 Kia Forte 5 SXNEW! 2011 Kia Forte 5 SXNEW! 2011 Kia Forte 5 SXSunroof, Auto, Alloy Wheels,

Power Windows, Power Locks, Sirius Radio

$18,720

Auto, Bluetooth, AM/FM/CD, SiriusRadio, A/C

Stk#11453

NEW! 2011 Kia Soul!NEW! 2011 Kia Soul!NEW! 2011 Kia Soul!

$15,339

Auto, Power Windows & Locks, Bluetooth,AM/FM/CD/Sirius, Keyless Entry

Stk#11455

NEW! 2012 Kia Sorento LXNEW! 2012 Kia Sorento LXNEW! 2012 Kia Sorento LX

$21,455

NEW! 2012 Kia Sedona LXNEW! 2012 Kia Sedona LXNEW! 2012 Kia Sedona LX7 Passenger, Auto, PW, PL, PD, Keyless,AM/FM/CD Sirius, A/C, Back Up Camera,

Power Doors

Stk#11341

$21,900

Were HavingCHRISTMAS

SUMMERSALE

INJULY

NEW ! 20 1 1 K ia Op t im a Hy br idNEW ! 201 1 K ia Opt ima H ybr idNEW! 2011 Kia Optima Hybrid$25,600

Auto, Power Windows, Power Locks,Keyless, Sirius Radio, A/C, UVO

Stk#11441


221643_1311121152easy living use

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