panorama community magazine january 2016

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features006 Collum's Column by Larry Collum032 Polka Connection by Carl Simchena036 The Recipe Box041 Art & Antiques by Dr. Lori050 Hard Coal Baseball by Rich Lipinski052 Master Gardener by Mary Ann Miller057 Tire Inflation: Fill Your Tires With Nitrogen? by Tom R. Buff

extras030 Community Calendar047 January 2016 Calendar048 Puzzles & Trivia058 Puzzles & Trivia Answers 058 Advertisers Index

sections

VOLUME 35, ISSUE 01All advertising, including photographs, is the property of Panorama Community Magazine and not that of the advertiser. The advertiser has purchased the right of reproduction only in Panorama Community Magazine and does not have the right to reproduce the ads in any other place or publication. Panorama Community Magazine reserves its right to exercise its discretion in the selection of advertisements and/or articles.

This issue or any part thereof may not be reproduced in any form with-out written permission from Panorama PA Inc. All rights in letters sent to Panorama Community Magazine will be treated as unconditionally assigned for publication in copyright purposes and as such as sub-ject to a right to edit and comment editorially. Panorama Community Magazine makes every effort to ensure the accuracy of the informa-tion published but can not be held responsible for consequences aris-ing from errors or omissions. Panorama Community Magazine is not responsible for advertising content: Any advertising claims are the sole responsibility of the advertisers. Name and contents. 2014 Panorama Community Magazine.

007 New Year, Healthy New You Guide024 Legal & Financing030 Dining & Entertainment041 Family051 Home & Garden056 Automotive

FEBRUARY 2016 ISSUEEditorial DeadlineJANUARY 7, 2016

Advertising DeadlineJANUARY 21, 2016TO ADVERTISE

YOUR BUSINESS WITH USCALL 570.459.1010

Panorama Community Magazine32 East Buttonwood Street

Hazleton, PA 18201Ph. 570-459-1010 Fax 570-459-6004

www.panoramapa.comfacebook.com/PanoramaMagazine

General InformatIon & [email protected]

artICleS & CommunIty [email protected]

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published by CIBo Investments, llC

CEO/PublisherLarry Collum

Advertising Account ExecutivesBeverly Collum, Patty Collum, Rich Lipinski, Maria MerendaGraphic Design DepartmentJoan Palmer, Beth Kostanesky

Office ManagerSandy Collum

Contributing WritersMarolyn Pensock, Thomas R. Buff,Dr. Lori Verderame, Rich Lipinski,

Rev. Connell McHughCarl Simchena, Mary Ann Miller

Social Media CoordinatorMissy Nenstiel

See details on page 29

Enter the

4 Panorama Community Magazine

January 2016 5

I cant say it any better than what a year we just finished at Panorama! As the late and great Old Blue Eyes would say, 2015 was a very good year. We began the year with many goals for the magazine increasing our distribution, upgrad-ing the contents, color enhancements & paper stock upgrade. We also offered a customer ap-preciation promotion to current and longtime advertisers and one-of-a-kind promotions for first time advertisers. I can proudly say that we were successful at meeting all of our goals. You may have noticed that there is a New addition to complement our magazine. It is our first ever Remarkable Recipe Book that is now being dis-tributed through-out the Hazleton area. Its amazing how new ideas can become realities. Lex Sloot and I were brain-storming over lunch one day, last spring, and came up with this fantastic idea. Once we decided to go with the idea, Lex ran with the ball and scored many touchdowns!! Our success was due to his great effort. Due to the positive feedback that we have received regarding the book, we will be publishing the next one in the Pottsville area. We have received a tremendous amount of

Larry Collum, CEO/Publisher

Comment or Suggestion?Any comments or suggestions with reference to my articles, please send your thoughts to [email protected]. thank you for reading

panorama Community magazine!

M A Y L A T H

P.O. Box 103 750 State Route 93Sybertsville, PA 18251

www.maylathhealth.comph 570-708-2929 f 570-708-1010

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OutpatientTherapy Physical, Occupational and Speech Therapy Sybertsville and Hazleton Locations

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Panorama Magazine is great exposure for local businesses& events alike.

Connie Ferrari, The Beacon Diner

The list of upcoming activities gives all our patrons (who come in for breakfast, lunch & dinner) ideas of things to do within our local area.

189 Claremont Ave., Tamaqua 35 E. Blakeslee Dr., Lehighton

My return-on-investment with the Panorama Magazine has been far greater than any other advertising method I have tried in this area. Never has a month gone by when I have not had a few potential clients say that they saw my Ad in Panorama. I look forward to continuing my relationship with Panorama for years to come.

Christy M. DeMel, Esq Ofces in McAdoo & Weatherly 570-476-5699 570-427-8409

Panorama Magazine is a great advertising medium. It has given The Foundation excellent public exposure.

Karen EsakSophia Coxe Foundation

& Education Center 2207 Route 940, Drifton 570-956-5427 570-956-3881

compliments on the improvements and changes to the magazine. So with that being said, our goals for the upcoming year are simple we will continue increasing our distribution, en-hancing our content, providing excellent cus-tomer service and offering affordable and ef-fective rates, packages and promotions for our existing and new customers. To our valued readers and advertisers, we thank you for your continued loyalty and we look forward to serving you in 2016. From the Collum Family and Staff of Panorama Commu-nity Magazine we would like to take this oppor-tunity to wish you and yours peace, happiness, good health and a terrific New Year.

6 Panorama Community Magazine

8 Panorama Community Magazine: Health & Fitness

Bob Ferrari Patient Success Story: From 414 To 222,Weight-Loss Surgery Gives Bob Ferrari His Life Back

by ted Williams

The moment of truth for Bob Ferrari came in the form of a number 414. That was my highest weight, says Ferrari, 48, of Sheppton. I tried different diets all my life and couldnt stay with them. I had high blood pressure and diabetes. I worried about becoming a liability to my family. So Ferrari attended a weight-loss surgery pro-gram at the Health & Wellness Center at Hazle-ton. Yet he still wasnt ready for surgery. I tried another diet instead, he says. When that didnt work, he decided to sched-ule an appointment with Lehigh Valley Health Network weight-loss surgeon Michael Bono, MD, with the Lehigh Valley HospitalHazle-tons Northeast Bariatric Center. That hesitancy is typical, Bono says. Once a patient makes the commitment for surgery, theyre tired of the weight. Theyre hurting phys-ically and emotionally about it. Theyre ready.

A Three Month Journey Once Ferrari was ready, he began a three-month process similar to what all patients at

the Northeast Bariatric Center experience. He underwent a health evaluation and became bet-ter educated about diet, obesity and the surgery. Were trying to help someone become a healthier person, Bono says. We stress eating better, and that starts before the surgery.Ferrari can attest to that. He lost 80 pounds prior to his procedure. I walked religiously and ate a high-fiber, low-fat diet, Ferrari says. I did so well I thought about skipping the surgery. But with my diet history, I decided to go for it. On July 30, 2014, Ferrari underwent gastric sleeve surgery. Bono surgically reduced his stom-ach into a smaller sleeve with staples. Gastric sleeve helps people feel full more quickly when eating and have less of an appetite overall due to the removal of the hunger-producing hormone ghrelin. Its one of the newer and most popular options in weight-loss surgery (Bono estimates 70 percent of his patients choose gastric sleeve

over other options).

A New Way Of Eating Ferrari followed Dr. Bonos post-surgery diet program for about eight months after his sur-gery. Some days he didnt want to eat at all. If I would overeat, I couldnt keep it down, he says. But you still have to eat properly while your body adapts. By the time I felt completely comfortable, I was used to eating healthier and enjoyed it. Today, Ferrari is nearly 200 pounds lighter than prior to surgery, weighing in at 222 pounds. His wife, Liz, sons Ryan, 18, and John, 11, and niece, Rory, 23, who lives with the family, all see a major difference in his daily demeanor. Even Ferraris co-workers at the commercial printing company where he works marvel at the change. I feel like Im 25 again, Ferrari says. I have so much more self-confidence. My body physically feels healthier to me. I can actually sense it. He shows his appreciation by speak-ing to prospective surgery candidates at Bonos request. Im proud of myself in that Im not even tempted to visit the bakery section at the super-market, he says. I can pick up the peanuts, milk and protein products I need and leave. Thats quite a triumph for me. Im happy to share that with others.

Next Step Learn more about the Northeast Bariatric Center. Visit LVHN.org/hazleton/bariatrics.

Popularity of Weight-LossSurgery Grows

In the 1990s, about 20,000 Americans who were morbidly obese chose weight-loss surgery. Since 2010, the annual aver-age is 200,000. Yet the need for this type of surgery continues to grow. About 5 percent of Americans are mor-bidly obese and at this time only 2 percent of them are opting for the surgery, Bono says. Its becoming increasingly evident that weight-loss surgery presents the best option for weight-loss success long-term.In his practice, Bono sees patients from all walks of life. My favorites are my biker patients, he says. Theyre people with strong personalities who are brought to tears because theyre riding their motor-cycles again. Were giving people their lives back through this surgery. Theyre all spe-cial to us.

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January 2016 9

SHIFT is HAPPENING at Mystic Power Yoga in 2016!provided by mystic power yoga

A new year is upon us, and if

you are like many, you have set an inten-

tion for 2016. Perhaps you have set a goal to lose weight, or to eat more mindfully. Maybe youd like to make new friends in the New Year. Perhaps 2015 was a difficult year of dis-appointment or loss, and you are looking to find a way back to a more peaceful existence. Well, there is a place where you can do one, some or all of those things in the New Year. A place that is modern, clean, accessible, afford-ably priced and safe, where there are plenty of instructors whose journey is committed to making a difference in your life, and to help-ing you achieve your goals. Mystic Power Yoga is so much more than a yoga studio, it is a community. A community of friendly welcoming members and staff, of total accep-tance of you where you are RIGHT NOW, a place where you can be the truest best reflec-tion of yourself. Whether you are a first time, never been on a mat beginner, or a lifetime Yogi looking to continue your growth, there are classes and opportunities for all at Mystic Power Yoga. Below are some of the special events for Janu-ary 2016. Check out their website www.mys-ticyogastudio.com for information on classes, schedules and directions to the studio located at 592 Susquehanna Blvd in Hazle Township, near the Laurel Mall and next to Becker Roof-ing on Route 93 If you are looking for a way to jump start your NEW Year and are ready for life chang-ing transformation, consider signing up for

40 Day BREAKTHROUGH program be-ginning on January 4th. (If you are reading this after January 4th, call the studio, you can still join in!) This program is a journey where you will learn to breath, to be still, to chal-lenge yourself, to eat mindfully, to share and work through the barriers that are holding you back from being the most true form of yourself that you are meant to be! This pro-gram is an amazing experience that will guide you every step of the way! Join us at Mystic Power Yoga in 2016 Let SHIFT happen in YOUR life!

Mystic January 2016 SchedulePlease see website for descriptions and costs: Sunday January 3rd: Shift Your Vision 9:30 am 11:30 am Monday January 4th: Breakthrough 40 Program Begins! First class of program is ei-ther 9:00 am or 5:30 pm class. First group meeting is at 7:00 pm. Program is free! Classes and 40 Day Book sold separately. Sunday January 17th: A FREE Seminar on Health Eating Habits 9:30 am 10:30 am Wednesday January 20th: MIX n MIN-GLE at The Brass Buckle 7:00 pm

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I Wont Let Parkinsons Dominate MeRehab ProgramHelps Joseph Kubert Keep Moving And Speaking

by Sidney Stevens

When Joseph Kubert was diagnosed with Parkinsons disease 16 years ago, he worked hard to maintain his sense of humor and stay active. With the help of medications and deep brain stimulation surgery, the Tamaqua man contin-ued working in his vegetable garden, cooking, writing and enjoying his family. I consider my-self a positive person, says Kubert, 71, a retired industrial chemist. Parkinsons is a nervous system disorder that affects movement, causing stiffness, tremors, balance difficulties and speech changes. And as the disease progressed, Kubert found it harder to stay active and communicate.

I kept losing my balance and once fell into my patio table, shattering the glass, he says. He also had trouble stepping sideways into a church pew and developed an embarrassing stutter that made talking difficult. My nephew once said I scared him when I talked, he says.

Rehab Rescue Kubert tried physical and speech therapy, but relapsed because he didnt continue the exercises.

Yet he decided to try again after learning about the high-intensity Parkinsons Rehab Program at the Health & Wellness Center at Hazleton. It offers specialized speech therapy and a physical therapy team certified in LSVT BIG, an evi-dence-based exercise treatment approach devel-oped from the Lee Silverman Voice Treatment program.Treatments that protect your brain, such as ex-ercise, can slow the course of Parkinsons, says physical therapist Shai Post with the Health & Wellness Center. Likewise, speech therapy helps Parkinsons patients speak better and stay socially connected.

Practice Makes Perfect During the four-week program, Post, physi-cal therapist Rebecca Hunsinger and his rehab team helped Kubert improve his range of mo-tion, strength and balance. He learned specific exercises to continue at home that help him walk backward, kneel, stand and step sideways. He worked on slowing down and planning his next move, Post says. He also increased the bigness of his movements, which become smaller and slower with Parkinsons. Speech-language pathologist Jennifer Hoats with the Health & Wellness Center taught Ku-bert breathing techniques and enunciation strat-egies to decrease his stuttering. He practiced taking a breath and easing into words so they are clearer and more fluid, Hoats says. For Kubert, rehab was a lifesaver. It opened my eyes to the necessity of daily exercises, he says. Theres no cure for Parkinsons, and my therapists positive attitude and encouragement taught me to make the most of what I have. I refuse to let Parkinsons dominate me.

Next Step Learn more about the Health & Wellness Center at Hazleton. Visit LVHN.org/Hazleton/HWC.

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New Year --- New Youby frank Glushefski, D.m.D.

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Typically, we all tend to make a New Year's resolution that just never seems to last beyond the month of January. Who of us hasn't vowed to join a gym, embark on a weight loss journey due to holiday splurging and libation, or enroll in a smoking cessation program? Though we all have the best of intentions, most of us don't seem to execute them effec-tively. This year, I suggest to all of my patients to set reasonable goals doing something that is both relatively easy and effectively healthy at the same time. It is my proposal to all of my faithful read-ers to make their own self-improvement of their dental health as a beneficial yet realistic New Year's resolution. This, I feel, is one resolution to which even the most resistant individual may stick to. It is often said that the smile is the window to

one's soul. This being said, it only follows that confidence, self-esteem, and personal success will follow. So go ahead, if you already haven't made a New Year's resolution, why not make one that you can definitely smile about? New Year's resolutions can be as easy or as hard as you make them. Setting and adhering to a goal of diligent dental health is quite easy and it can benefit your overall health in general too. By practicing and strictly adhering to the following simple tips, you can easily attain and maintain optimal oral health the whole year through:1) Brush your teeth at a minimum of twice daily. I generally recommend morning and bedtime brushing with intervening brushing in instances such as high-sugar content meals or beverages. Brushing your teeth in this manner will properly remove plaque and bacteria from the surface of your teeth before it hardens to become calculus.2) Use a fluoride toothpaste when brushing as the fluoride will assist in the prevention of tooth decay.3) Without exception, I always furnish my pa-tients with a dental hygiene goody bag after each and every cleaning consisting of a tooth-brush, dental floss, toothpaste, and money-sav-ing coupons for dental products. I always inform my patients that the toothbrush is not meant to last them until their next cleaning. Rather, it is recommended to change your toothbrush every 2 to 3 months or sooner if the brush wears out from aggressive brushing.4) Floss your teeth daily. I always recommend doing so at least once a day in evening prior to

bedtime to rid teeth of debris which would cause bacteria to produce decay while sleeping. Should you consume a meaty meal which impacts food between your teeth, you should add an extra flossing for that day. Flossing itself is the best means to remove plaque from in-between your teeth that a toothbrush can't reach.5) Use a mouth rinse. An antimicrobial mouth rinse can provide extra help in controlling plaque.6) Eat healthy meals and snacks. Healthy nutri-tional habits are important aspects in maintain-ing optimal dental health.7) Visit your dentist for routine cleanings and check ups. In perfect oral health, it is generally recommended to visit every six months with visits becoming necessary every three to four months should less than optimal oral health ex-ist. Routine dental cleanings and examinations are single-handedly the most effective means by which you may assure that both your teeth and gums attain and maintain favorable health. If you follow these simple steps, you can have a great smile not to mention the satisfaction of knowing that you are adhering to your New Year's resolution of attaining and maintaining optimal dental health. On behalf of myself and my staff, we wish you the healthiest, happiest, and most prosperous of all New Years!

Should you require assistance in a routine oral health regimen, please do not hesitate to contact my office at 570-443-9892. Also please visit our website at toothdocpa.com.

January 2016 13

Peace of Mind Yogaprovided by peace of mind yoga

4 Brookhill Road, Sugarloaf, PA 18249570.788.YOGA(9642)peaceofmindyogastudio.com

SOMETHING FOR EVERYONE!All Levels Baptiste Power Vinyasa Yoga

Special Student/Athlete Rate: $8.00/ClassClassic Yoga Easy Flow Teen Yoga Kids Yoga

Peace of Mind Yoga partnered with Vet-erans Yoga Project as part of a national week-long fundraising and awareness-raising event, and held a donations-based yoga class on No-vember 12, 2015. Dennie Naprava, a teacher at Peace of Mind Yoga, and veteran of the United States Marine Corps, led the class. Dennie became an Ambassador for Veterans Yoga Project in September 2015, and joined more than 100 yoga teachers nationwide to raise money during Veterans Gratitude Week. Through the many generous monetary do-nations, as well as the raffle items that were donated, a total of $600.00 was raised for Veterans Yoga Project, a 501(c)(3) nonprofit organization. Veterans Yoga Project is on a mission to supporting the mindful use of yoga therapy to aid recovery and resilience among veterans, their families, and their communities. To learn more about Veterans Yoga Project and to make a donation, please visit veteransyogaproject.org. We also are pleased to have teamed up with One Warm Coat.

MISSION To provide anyone in need with a warm coat, free of charge.

VISION That One Warm Coat will become a part of the American lifestyle; that when a coat is no longer needed, people will think of us and donate it; that donors will be warmed by the knowledge that their coats will go directly to children, women and men in need.

HISTORY Our organization started in 1992 with a Thanksgiving weekend coat drive at one lo-cation in San Francisco. Since then, we have grown to a national organization supporting over 3,000 coat drives each year. Peace of Mind Yoga held a coat drive in December. We are extremely grateful for the generosity of our yoga community. Through their efforts we collected many warm coats, heavy sweaters, hats, scarves and gloves. All items were donated to Catholic Social Ser-vices in Hazleton who through comprehen-sive and flexible programming, they assist in

strengthening family life and in helping indi-viduals to reach their full potential Aware of and sensitive to community changes, emerging needs and resource chal-lenges, Catholic Social Services continues its role as advocate, promoting the spirit of col-laboration and responding with appropriate action on behalf of those who are limited in power, voice and access. Stay tuned for many new things happening at the studio in 2016! Its a time for new hope, new dreams, and a new start. Its a time when the past can

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become the past and the future is open for the taking. What will 2016 hold? Thats the beauty of it its up to each of us to write the future and determine what the New Year will bring. Happy New Year from all of us at Peace of Mind Yoga!


Bill Spear, R.Ph., CCN is a Compound-ing Pharmacist and Certified Clinical Nutritionist. He is available for personal Nutritional Consultations at Hazle Drugs 1 E. Broad St. Hazleton, Pa. 18201. Call 570)-454-2476 for more information or to schedule your Nutritional Consultation today!570.455.4699 Toll Free: 1.877.382.6561

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Begin The New Year With A Healthy Start... A Nutritional Consultation

by Bill Spear, r.ph., CCn

Do you know that more than 1 in 2 Americans are overweight at a cost of 100 billion dollars per year in health costs due to diabetes, heart disease, colon cancer, etc.? Despite that, 50% of Americans are nu-tritionally deficient, especially those over age 55. Changing your diet can increase your life span and help slow your aging process. Good nutrition happens when we provide

ourselves with all the nutri-ents we need in adequate amounts and in a form the body can absorb and utilize. Much of what we need to achieve good nutrition is acquired from the food, but increasingly, nutritional supplements are needed to keep up healthy in the midst of the stresses and circumstances of lives, including environmental pollution, excessive food re-finement, loss of sleep, exhaustion, emotional strain, dieting and illness. Nutritional deficiency is one of the basic reasons for aging and disease. The Surgeon Generals Nutrition and Health Report stated that 68% of all deaths (2-3 million per year) are nutrition related. Embracing good dietary and supplemental nutrition increases our chances of preventing or postponing many of the diseases that can so negatively impact our quality of life such as heart disease, some cancers, diabetes, and others. Good nutritional support can often provide the foundation for successful treat-ment. Because of the detrimental effect of poor food, unhealthy soil and a polluted environ-ment, people are now experiencing physical and mental symptoms, which often precede nutrition-related diseases. Hazle Drugs Certified Clinical Nutrition-ist, Bill Spear, R.Ph, CCN can provide you with a nutritional interpretation than can lead to the recommendation of specific diets and nutrients to re-establish biochemical bal-ance to promote optimal health and to pre-vent nutrition-related diseases. Start the New Year off right with a healthy beginning, a Nutritional Consultation by Certified Clinical Nutritionist, Bill Spear, R.Ph, CCN For more information, contact Bill Spear at Hazle Drugs 1 E . Broad St., Hazleton, Pa. 18201, 570-454-2476.

www.hazledrugs.com

1 East Broad StreetHazleton, PA

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ARE YOU CONFUSED ABOUT WHAT VITAMINS YOU SHOULD TAKE?

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January 2016 15

by Stephen Schleicher, mD

Good News, Bad News On TheVitamin Front

New Year's ResolutionsFor Dental Healthprovided by Della Croce Dental Care

Last month two research studies regarding vitamins were published. The finding should be of in-terest to all. First, the good news. One study reported that a form of vitamin B3 called nicotin-amide appears to reduce skin cancers by 23 percent when taken twice daily. This finding has generated a great deal of interest, espe-cially among dermatologists. Skin cancer is an epidemic in this country with some 2 million cases diagnosed each year so anything that might reduce their incidence is quite exciting. As one review article points out, nicotinamide has several advantages: It's safe, it's almost obscenely inexpensive and it's already widely commercially available. Checking amazon, a month supply can be had for $5. Ok, and now the bad news. I know some people love popping vitamins, several of which are antioxidants such as vitamin E. A provocative study from the University of Tex-as Southwestern Medical Center found that antioxidants can work their magic on can-cerous cells, by turbo-charging the process by which they grow and spread. Mice fed an antioxidant commonly found in nutritional and bodybuilding supplements were found to have markedly higher levels of cancer cells in their blood, grew more tumors and the tu-mors were larger and more widespread. This on the heels of another study published last year documenting that antioxidants accelerate lung cancer progression in mice. My take: no need to take antioxidants; if you are fair skinned with a personal or family history of skin cancer, nicotinamide supple-ments are safe and may help prevent skin cancer.

With the new year starting, you may have been thinking about your New Year's resolu-tions. You may be considering resolving to save money, get a better job or lose weight. Many people set new goals about having a healthier lifestyle in the new year. Why not make one of your New Year's resolutions improving your dental health? Healthy resolutions can keep your teeth healthy, and any of the following strategies will go a long way toward giving you a brighter, healthier smile in the coming year.

Eat More Fruits And Vegetables Eating well is important for your dental health. Poor nutrition can affect the entire im-mune system, increasing susceptibility to many common oral disorders, including gum (peri-odontal) disease. Antioxidants and other nu-trients found in fruits, vegetables, legumes and nuts improve your body's ability to fight bacteria and inflammation, helping to protect your teeth and gums. In addition, crisp fruits and raw veg-etables like apples, carrots, and celery help clean plaque from teeth and freshen breath.

Quit Smoking Or Using OtherTobacco Products

Using tobacco can harm your mouth in a number of ways, increasing your risk for tooth discoloration, cavities, gum recession, gum dis-ease and throat, lung and oral cancer. Smok-ers are about twice as likely to lose their teeth as non-smokers. It's not just smoking tobacco that has negative effects on your oral health: use of smokeless tobacco can be just as harmful to your oral health. The good news is that the risk of tooth loss decreases after you quit smoking or using smokeless tobacco.

Limit Alcohol Intake You may already know that excessive alcohol

intake can have an effect on your overall health, but did you know that it may also affect your oral health? According to the Academy of Gen-eral Dentistry, those who smoke, eat poorly and consume excessive alcohol also have increased gum recession (periodontal pocketing). Their studies show that smokers who regularly con-sume alcohol are less likely to brush their teeth on a regular basis and are less concerned about their basic health than nonsmokers.

Brush And Floss More Brushing and flossing protect your teeth from decay and gum disease, which is caused by your teeths most persistent enemy, plaque a sticky, colorless, invisible film of harmful bacteria that builds up on your teeth every day. Both brushing and flossing are equally important for good oral health. Only flossing can remove plaque from between teeth and below the gumline, where decay and gum disease often begins. Without proper brushing and flossing, you may develop bleeding gums, which may worsen to severely swollen, red, bleeding gums (gingivi-tis) and, eventually, gum disease. Because diseas-es of the mouth can affect the rest of your body, it is especially important to maintain good oral health.

See Your Dentist For RegularCheckups

By seeing your dentist at least twice a year, you can help prevent any dental health problems be-fore they cause discomfort or require more com-prehensive or expensive treatment. Regular visits allow your dentist to monitor your oral health and recommend a dental health regimen to ad-dress areas of concern. For this new year, resolve to treat your mouth right: improve your diet, quit smoking and im-prove your oral hygiene habits your teeth and your body will thank you for it!

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Ginos Shoe Store is a family owned and oriented professional fitting center, special-izing in children, youth, and adult shoes in addition to orthopedic work and doctor pre-scriptions. They have been in business for 60 years selling a large selection of name brand, orthopedic and diabetic shoes. Ginos has a shoe repair facility on premises specializing in orthopedic work such as orthotics, build-ups for shorter legs, wedges, arch support systems, soles and heels, leather repairs, and miscellaneous items.

The Fit is Everything With each step your foot carries three times your body weight. A quality well-fitting shoe will improve your life in immeasurable ways. Ginos takes several steps to insure proper fit of your footwear. They begin with a dis-cussion of how the shoes will be used, your preferences, and any foot conditions that you may have. They will perform a foot assess-ment, gait analysis, and a worn shoe evalu-

ation. Carefully they measure both feet for heel to toe length, arch length, and width. Ginos will look at your foot shape and consider foot conditions. It is important to not only find the right size of shoe for you, but also the right last (shape). You will notice that not all shoes "in your size" fit your foot. This is because shoes are made in different factories, in many countries, and for many purposes. There are many well-made shoes, but not all are right for you. After they put the shoes on your feet, they will check your fit. Ginos makes sure that there is enough toe room, and enough width. Ensuring the ball of your foot is in the widest part or the shoe to ensure comfort, support, and proper flexion of the shoe with the foot. Watching you walk to make sure your gait is optimal. Your complete satisfaction is Ginos number one priority! For a free foot consulta-tion in regards to pain or fitting call Ginos at 570-474-6051.

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January 2016 17

The Laurels Senior Living CommunityJanuary 2016

New Year, Renewed Hope A New Year is filled with promise and brings with it new dreams, renewed hope and, most importantly, fresh opportunities. We encourage you to embrace the dimensions of living your best life this year, and hope each day you find something that inspires and motivates you. We hope everyone had a wonderful New Years cel-ebration and look forward to everything great ahead for us in 2016! We will be very busy this monthValen-tines Day is around the corner and we have a lot of planning to do! We will be making our own decorations and yummy treats for the celebra-tion. Plus, we have to get the ballots ready to vote for our Laurels King and Queen! No win-ter blues here! We have many exciting activities planned for the next few months!

New Years Eve The countdown begins! Our New Years Eve festivities began on Wednesday, Decem-ber 30th at 5:00 with a traditional New Years meal; stuffed flounder, confetti rice and caramel chocolate cake for dessert! Yum! Then on Dec. 31st, Joe Lapchak helped us kick off the New Year with a dance party! We are all enjoyed the delicious treats, tasty drinks, festive hats and tra-ditional noise makers. Of course the year-end celebration wasnt complete until we all gath-ered in front of the TV and to count down the seconds to welcome the New Year! We cannot believe that another year has passed and we look forward to every wonderful journey 2016 will bring.

Spreading the Holiday Joy The 5th Annual Audriannas Wish Toy and Blanket Drive was a success! We want to send out a very special thank you to everyone who donated toys and blankets to this wonderful cause. What a wonderful way to spread the joy

and love to others during the holiday season. We remember the amazing little girl, Audrianna Bartol, who put this wish list together for all her friends at Janet Weis Childrens Hospital. We are proud to help her family continue her dream. We would also like to thank everyone for the enormous amount of donations for our first ever toy and clothing drive for Brandons Forever Home benefitting the foster children of Luzerne County.Thank you from the bottom of our hearts! We hope you had a blessed Christmas!

From Our Home to YoursThe administration and staff would like to wish everyone a healthy and Happy New Year! It has been almost 13 wonderful and productive years since we first opened our doors. We have en-joyed welcoming many residents to our beauti-

Ask about the health screenings we offer.

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ful facility. As hectic as it was, we have found that this has been a tremendously rewarding time for all of us involved in caring and helping our residents get acclimated to residing in our fa-cility. We thank our residents and their families for giving us the opportunity of getting to know you and we look forward to continuing the won-derful reputation in service The Laurels Senior Living Community has gained in the last 121/2 years. We wish you the very best for 2016! If you would like more information regarding our services, please call our office at 570-455-7757 or email us at [email protected]. You can also stop by for a tour of our beau-tiful facility and enjoy a complimentary lunch. From everyone at the Laurels, Happy New Year!

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Achieving Your 2016 HealthGoals Without Injury

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With the New Year, many people are start-ing exercise programs to lose weight and get healthier. However many people do not reach their goals because they hurt themselves exer-cising the wrong way causing them to quit. Making time to get the proper evaluation and training can reduce your risk of getting injured and improve your chances of achieving your health and wellness goals. According to the Consumer Product Safety Commission around half a million people were injured in 2014 due to exercise and exer-cise equipment. Many exercise injuries are due

to people not knowing the safest way to move their bodies and what theyre capable of. This is especially true for people who dont exercise regularly or may already have problems with their musculoskeletal system. We often hear from our clients, they tried to exercise be it at a gym, at home or just walking but had to stop because they caused a sprain/strain, tendinitis or bursitis. Many people will also try to push through the pain making it even worse. The answer is to have someone evaluate your body and capabilities before you take on an exercise program. A full body assessment

can help identify problem areas at the start and help address them before they become a prob-lem. It can also identify areas you may need to be cautious with when exercise so you dont put too much strain on them too quickly. At FYZICAL Therapy and Balance Center of Hazleton, we use the BodyQ exam to iden-tify these issues at the start of a health journey to help prevent injury. BodyQ is a comprehen-sive evaluation that measures the overall health and wellness of the muscles, joints and neuro-logical systems. It provides a BodyQ score and identifies potential for injury, allowing us to recommend the proper preventative exercises. These exercises could focus on strength train-ing, conditioning, flexibility, or any number of physical activities. Or it may recommend you have a problem addressed first before ex-ercising. That way you have a better chance of reaching your long-term fitness goals injury-free. At FYZICAL Hazleton, our expertise is in helping those with medical problems like arthritis and diabetes to be able to exercise safely and effectively. We have an expert team including a Health and Wellness Coach and Physical therapists who can help you develop and implement a program so you have the best chance of achieving your health goals in 2016. For more information or to schedule an appointment, call us at 570-501-1808. Also learn more about us at www.hazletonpt.com or catch our daily WYLN TV show Wellness Through FYZICAL Therapy.

January 2016 19

by Dr. alexandra Wasmanski, oD

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Refractive eye surgery is becoming more and more common place throughout the world. Gone are the days of wearing glasses and/or con-tacts from grade school to retirement. With all the options available today, the most popular is still LASIK. LASIK stands for laser-assisted in situ ker-atomileusis. This procedure improves vision by changing the shape of the cornea to correct the three main types of refractive problems. For nearsighted people, it will flatten the cornea. For farsighted patients, it will steepen the cor-nea. And for those with astigmatism, the laser can smooth the corneas irregular shape to one that is more spherical. The best candidates for LASIK surgery are those who are with good general and ocular health. Patients should also be at least eighteen years of age. It is important to wait until your eyeglass prescription has stabilized before having the surgery done. That way, an enhancement shouldnt be necessary a few years down the road. LASIK has certain advantages over other refractive surgery procedures. First, there is relatively no pain involved. During the surgery,

anesthetic drops are used to numb the eye. Af-terwards, some patients may feel a mild irritation for a few hours, which quickly resolves. Another benefit is the rapid improvement in vision. Some visual improvement takes place immediately fol-lowing the completion of the surgery. For most people, satisfactory acuity is achieved by the next day. This allows patients to resume their daily activities 24 hours after surgery. A final perk to LASIK surgery is the quickness of the procedure. It is usually preformed in less than six minutes. There are very little risks associated with LASIK eye surgery. Most commonly, patients experience a temporary dry eye condition. This results when the corneal flap is made. Dur-ing the first six months following surgery, it is important to use artificial tears to keep the eye moist. This condition is usually temporary, re-solving as the corneal nerves regenerate. Night glare may also initially worsen following LASIK, but again should be self-limiting. Finally, the chance of infection is minimal for this proce-dure. Patients will be given antibiotic eye drops to use for a short time period following the op-eration to assure a healthy outcome.

When considering refrac-tive eye surgery, it is important to be aware of all your options. The first step is to schedule a comprehensive ocular exam with a well informed eye doctor. The doctor will be able to examine your eyes, assess your ocular health, and determine whether or not you are a good candidate for surgery. Vision is a gift that should last your lifetime.

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by marlin Duncan, Comfort Keepers

Seniors And The Positive Impact Of Social Media

For more information on senior living and elder care options, go to www.comfortkeepers/hazle-tonpa.com. Each office is independently owned and operated. Marlin Duncan, owner of Com-fort Keepers, works professionally with the elder-ly on issues relating to senior independence. He can be reached in Hazleton at 570-450-0890.

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Caring for a loved one can quickly become overwhelming.Before it becomes too much, call Comfort Keepers. Call for information or arrange a free in-home visit.

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Despite the myth that older people cant man-age technology because of cognitive deficits, se-niors are flocking to social media at a rapid pace. In fact, Facebook, Twitter, Google+ (and Hang-outs), Pinterest, and Instagram all note higher adoption rates among adults 65 and older and see seniors as their fastest growing audience.

Seniors Benefit Socially, Mentally,and Physically

Older adults who have had positive expe-riences on social media have reported elevated moods. An American Psychological Association (APA) study found that seniors who spend time on social media sites were more likely to partici-pate in activities that can lead to greater health, such as cooking healthier recipes, and finding easier ways to clean and maintain their homes. The study also indicates that they have lower blood pressure and fewer instances of diabetes, and less negative health habits such as smoking, depression, or disease. This is attributed to the ability for self-education on any number of top-ics, and remaining in-the-know about the latest technology trends.

Social Media Keeps theFamily Together

Facebook is particularly useful for linking up with loved ones. It makes for more frequent conversations and helps close the generation gap. Sharing current photos allows seniors to see their grandchildren change and grow, and cre-ates a closeness and involvement that may not have existed, especially if the family isnt living close by. Video chats also are a great way to communicate in real time. There is also the opportunity to relive fond memories or create new ones through postings of photos and home videos.

Family Peace of Mind When a family lives apart, there can be stress and anxiety on both ends. Social media allows seniors and their families an easy way to check in as often as they wish. This is especially important if the senior is living alone and may experience ill health, a fall, or may not be eating or sleeping well, taking medications, or getting any form of exercise. Family caregivers can use social media

to ask critical questions that will let them know whats oc-curring in their loved ones life.

Community Engagement and a Sense of Belonging

Feeling connected is very important to any seniors wellbeing. Social media allows the senior to make plans with others to meet up outside of the home. It also allows seniors who are un-able to leave home to socialize online to combat loneliness.

Shopping Online offers Convenience and Savings

Even if a senior cant venture out of the home due to physical limitations, inability to drive, or inclement weather, for example he or she can always shop online and enjoy the ease of home delivery. In addition, there are lots of money-saving coupons and online sales, which can be especially convenient and sensible for those who are penny-pinchers or on a fixed income.

Some Precautions Should Be Taken As a caregiver, you may want to monitor the seniors activities. You may want to make sure that the loved one is not falling for phish-ing scams and the like. You may also want to make sure they are connecting with trustwor-thy people especially if they are conversing in chat rooms and through blogs. Also watch their monetary spending you dont want your senior overspending on items they dont need.

Learning How to Use Social Media A great source for seniors and family mem-bers is AARPs Social Media Education Cen-ter. There, you can find out about how to use specific (and commonly used) social media web-sites, apps, and blogs. Visit http://www.aarp.org/home-family/personal-technology/tek/social-media-education-center/ Comfort Keepers caregivers also help families look after their loved ones. Our unique approach to in-home care, Interactive Care-giving, can help by keeping senior clients engaged physically, mentally and emotionally while living independently at home.

January 2016 21

Live With Confidenceby John Degenhart, DC

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Do you have fears? Can we stop ISIS, will the economy crash, will Earth get hit by a meteor will your company close, can you meet your bills at the end of the weekand the list can go on much further. If I could share one observation Ive made after being so busy for 35 years in chiroprac-tic practice it would be this: most people over-react to their problems. This increases their cortisol which raises their blood pres-sure, which results in chronic diseases like ar-thritis, heart attack, diabetes, cancer and the list goes on. Our body is always striving to adapt to help us live at all costs. For example, if people drink soda and eat fast foods, their system is acidic, they get stomach disorders. Then when the body cant absorb nutrients, what does the body doit absorbs calcium from the bones to regain balance in the body, even

if it eventually causes osteoporosis in the body. Likewise, when a circumstance occurs in our lives that is stressful, we must try to ac-tively practice staying calm, in realizing that this too, shall pass, and by not over-reacting it will help to prevent diseases and help us to live longer. Now I know what you are think-ing, You dont know how mean my boss is, or you dont know how terrible my coworkers are, or in-laws, or wife or husband. Im tell-ing you, as you judge others, so too will you be judged. Listen, you have a choice. Live in stress everyday where your mind goes from one cri-sis to another and you will have chronic dis-eases and never be happy. Or tell yourself, no

matter what happens today, I choose how I will react to it. I choose to stay calm, to figure out a solution to the problem. And if there is not a solution, to trust that there is a great God in control and if Ive done all that I can, then I have confidence that God will work it out for me. This life is but a moment of our external life. That is my suggestion for your New Years resolution. Resolve to live in hope. Resolve to live in confidence. To maintain a state of mind that is in control. Then you will not over-react to circumstance. This is powerful; if you strive to do this all your life, one day at a time, it will surely change your life. Im confident it will! Have a Happy New Year!


Stay Healthily Hydrated This Winter

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(Family Features) When the mercury drops, it's more important than ever to stay properly hydrated. During the winter, people may not seem to sweat as much as in the summer, but that doesn't lessen one's risk of dehydration. "As a hospital physician, I've seen far too many people succumb to dehydration-related health scares, stemming from high-elevation ski trips to travel to simply forgetting to drink water because it's cold outside," says Dr. Ralph E. Holsworth, director of clinical and scientific research for Es-sentia Water and medical physician at Southeast Colorado Hospital. "Staying properly hydrated can help ensure good health through the winter,

reduce dry skin and even help you flush toxins out of your body to reduce the chances of getting a winter cold or flu."

Boost your body's hydration Roughly 75 percent of the North American population is chronically dehydrated. By the time you feel thirsty (and sometimes when you don't) you may already be getting dehydrated. Whether you're skiing or just taking a walk on a brisk day, the experts at Essentia Water pro-vide these simple tips to help you stay hydrated throughout the winter season and beyond. Set a daily water intake goal. A good rule of

thumb for daily water intake from food and flu-ids is 2 liters for females and 2.5 liters for males with moderate physical activity levels. Adjust your personal goal to account for climate and activity level. Start your day by filling a tumbler or setting out bottles of your favorite water to-taling your goal. Supplement with healthy foods that have high water content like soup, salad and pears. Winter it up. During cooler weather, chilled water isn't very enticing. To make it more ap-pealing, warm a mug of water or add a burst of flavor from your favorite winter fruit like or-anges, tangerines or cranberries. Drop in a cin-namon stick for an added flavor kick and entic-ing aroma. Check the mirror. A tried and true way to know if you're getting enough water is to check your mirror. If your skin appears dry and flaky, it's time to drink more fluids. Drink electrolyte-enhanced alkaline water (also called functional water). Wellness experts agree that disease and infection have a hard time thriv-ing in an alkaline environment. High-pH water can help neutralize acid levels and restore your body to a natural state. Functional water, such as Essentia Water, the top selling alkaline water, can help you avoid or fight winter colds and flu, hydrate your skin and re-hydrate someone who is showing signs of dehydration. Pack the H20. From carrying a backpack to wearing a special hydration pack - it's important to bring water with you during winter outings. If you simply can't bring it with you, be sure you have a list of stores that offer bottled water, and keep a supply of it in your car's trunk for emer-gencies. While you may not feel it, your body is in need of proper hydration even on the coldest winter days. For more tips for staying well, visit www.essentiawater.com.

January 2016 23

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Treating Cervical CancerWith Radiation Therapy

Over 12,000 women are diagnosed with cer-vical cancer in the United States every year. That is 33 women a day. Unlike some other cancers, cervical cancer is not considered to be passed down through family genes. It is caused by certain types of hu-man papillomavirus (HPV). When a female is infected with these types of HPV, and the virus doesnt go away on its own, abnormal cells can develop in the lining of the cervix. If these ab-normal cells are not found early through routine cervical cancer screening and treated, cervical cancer can develop. According to the National Cervical Cancer Coalition (NCCC), cervical cancer is the second most common type of cancer for women world-wide, but because it develops over time, it is also one of the most preventable types of cancer. The American Social Health Association (ASHA) and the NCCC have named January Cervical Health Awareness Month to encourage women across the country to get screened for cervical cancer and receive the HPV vaccine if they're eligible. At the Cancer Treatment Center at Hazleton, we treat gynecologic cancers, including cervical cancer, painlessly and non-invasively with ra-diation therapy. When cervical cancer is treated with radiation, several types are commonly used. We use external beam radiation therapy (EBRT) to deliver high-energy X-rays to cancer cells, damaging their ability to multiply. Treatments only take about 15 to 30 minutes and side ef-fects are usually minimal. Several factors deter-mine candidacy for radiation therapy treatment including the stage of the cancer, potential side effects, age, and overall health. Our team is experienced in using advanced technologies to deliver targeted radiation thera-py while also proactively managing side effects, said Steve Karp M.D., radiation oncologist at the Cancer Treatment Center at Hazelton. Treatments are outpatient, so there is very little disruption to your daily life. As we begin the start of a new year, many of us will make resolutions to get fit and live a health-ier lifestyle. As we buy our fruits and vegetables and set our workout goals, lets not forget about our yearly preventative screenings. Because cer-vical cancer is a preventable type of cancer, it is very important for women to get screened for cervical cancer (the test will happen during their yearly Pap tests).

If you have any questions about cervical can-cer, please visit the National Cervical Cancer Coalition at www.nccc-online.org. For more

information about the services provided at the Cancer Treatment Center at Hazelton, please visit www.HazeltonCancerCenter.com.

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24 Panorama Community Magazine: Legal & Financing

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As 2016 begins, it is time to think about your New Years resolution. What was yours this year? Some people say they are going to lose weight, quit smoking or finally get their finances under control. If your resolu-tion involves your finances, you may want to take a good hard look as to whether you can continue to live like you currently do. Do you want collection agencies calling you at all hours of the day? Do you want to be worried about the Sheriff showing up at your door with court papers?

If youre sick of those an-noying calls and the anxiety that comes with having debt problems, it is time to do something about it. Now is the time to talk to someone about how to get out of that financial mess so that you can begin to enjoy life again. New Years is the time for starting over and get that the fresh start you have been look-ing for. It is the time to start dealing with financial problems rather than just ignoring them and hoping they will go away. If you make it a resolution to face your financial problems head on and I promise you that 2016 will be a better year. Happy New Year to one and all!

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January 2016 25

Tax Law Updates For 2015 Filingby alice horton taylor, Ceo, honest abes tax Services

As of the writing of this article there were still unknown extender credits and deduc-tions. The above line deduction for teachers, the exclusion to discharge income for personal residence lost, mortgage insurance being item-ized, above the line deduction for qualified tu-ition and related expense, and deduction for state and local sales tax in lieu of state income tax are the primary personal extenders waiting on Congress to approve. An important test program for validating returns being filed is that some W-2s will have a 16 digit code on the form to prove it is a valid W-2. Again, as of publishing time, the opening day of tax season is still unknown, the initial due date for filing 2015 will be April 18 due to a federal holiday. Itemizing will not be all that much more dif-ficult than for the 2014 season if you qualified then. Current year amounts to itemize must be greater than $6300 for Single and Married Fil-ing Separate, $9250 for Head of Household, and $12600 for Married Filing Joint.

Earned Income Credit andSelf Employment

The IRS has been examining closer the returns of people who are self employed and receiving Earned Income Credit. Schedule Cs with no expense and home based have been a big target. Overall, the IRS is cracking down that preparers see records before doing a Schedule C or C-EZ, especially where Earned Income Credit is a result of such income. Sum-mary numbers for Schedule C presented to your preparer must have records to back them up and those records must be kept by the tax-payer for 5 years minimum, 7 years to be safe. Due to preparer due diligence and therefore potential penalties, your preparer may require you to show proof to back up a Summary list-ing of Income and Expense for a Schedule C.

ID Theft ID Theft is being a huge problem even in filing of tax returns. This is such a problem that the IRS is asking that preparers not only see valid current photo IDs when they prepare your taxes each year but that the information will be entered into your return (Drivers Li-cense, ID card, etc). This is presently volun-tary, but in the past voluntary items like this have worked their way into be required! Thus, even non working individuals, as a spouse, must have Valid, Current photo ID to have

taxes filed. Another facet of ID Theft with the IRS if form 14309 which is a form to file with a spe-cial agency of the IRS that addresses ID theft. When the IRS acknowledges/ approves you as an ID Theft victim, whether through taxes, robbery, store theft of credit personal informa-tion, etc, they will issue a PIN for you to use in filing your tax return. They will be issuing as needed to the primary tax payer, the spouse, and the children. Without the PIN on the re-turn, the return will not be accepted. Those people who have or have had ID Theft in regards to filing of income tax returns can anticipate their refund processing to take up to 6 months. The first few years it takes lon-ger than in subsequent years. Evidence of this type of theft generally comes from a letter from the IRS saying you have more than one return filed and/or when you return is filed the return and/or dependents are rejected as already hav-ing been filed.

Affordable Care Act (Obamacare) Affordable Care Act (Obamacare) has a le-gal requirement that your employer and insur-ance company must produce a 1095C/1095B which has pertinent health insurance informa-tion. The kicker, your preparer does not have to have these forms to do your taxes, although having them will facilitate in accuracy regard-ing Health Care issues relative to your tax re-turn. However, just as a W-2 is required before your preparer can complete and filed your re-turn so must be the 1095A from your insur-ance company. The 1095A provides not only health coverage information but it covers any credit or reduced premium that must be reconciled.

If you had premium tax credits on insurance relative to your 2014 filing and did not provide it to your preparer, and thus the credit was not reconciled you must file a 1040X to recon-cile your credit to see if you were owed a larger credit/refund or were overpaid and owed dol-lars back. If you did not reconcile your credit on your tax return you health care costs will be affected. Your premium will immediately go up and no credit will be given you until you reconcile the 2014 credits. Speaking of insurance, did you re-enroll? If you did not you will be automatically re-en-rolled even if you have acquired employer re-lated insurance or cheaper and better coverage! Enrollment opened November 1 2015 and ends January 31 2016.

Filing your return Filing your return can happen quicker if you bring to your tax preparer your final paystub(s) from 2015 so the preparer can begin your return until your W-2 comes in.

Tax Refunds Tax Refunds are received from the federal government generally in 7 to 14 days. Most offices, ours included, have an option of your tax prep fees being paid via your refund. It is a bank fee and does not expedite you receiv-ing you refund faster. This is true whether you elect for direct deposit to your personal bank account, a paper check in the mail, a debit card direct deposit, or a check issued to you via the bank and your preparer. Honest Abes primary preparer has been doing taxes for 40 years and 5 years here as Honest Abes. Come see Alice today! Call for an appointment at 570-861-8297.

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FINANCIAL FOCUS: Time for SomeNew Years (Financial) Resolutions

provided by edward Jones

STOCKS BONDS CDs IRAs MUTUAL FUNDS

www.edwardjones.com Member SIPC

Thomas W Seigendall, AAMSFinancial Advisor.

24 West Broad Street, Hazleton, PA 18201570-455-5376

The countdown to 2016 has just about begun. If youre like many people, you might be mulling over some New Years resolutions, such as hitting the gym more, learning a new language or taking a cooking class. All are worthy goals, but why not add some financial resolutions as well?For example Pay yourself first. Even if you arent living paycheck to paycheck, you prob-ably dont have much trouble spending your money because theres always something that you or a family member needs, always a repair required for your home or your car, always one more bill to pay. But if you are going to achieve your long-term goals, such as a comfortable retirement, you need to in-vest consistently. So before you pay everyone else, pay yourself first by having some money automatically moved from your checking or savings account each month into an invest-ment. Take advantage of your opportunities. If you have a 401(k) or similar plan at work, take full advantage of it. Contribute as much as you can afford or at least enough to earn your employers match, if one is offered and choose the mix of investments that give you the potential to achieve the growth you need at a level of risk with which you are comfort-able. Focus on the long term. In the short term, you might be excused for not wanting to invest. The headlines are typically scary, the financial markets are frequently volatile and the future often looks murky. Yet, if you can look past the uncertainties of today and

keep your focus on tomorrow, you will find it easier to follow a disciplined investment strat-egy that gives you the opportunity to meet your long-term goals, such as a comfortable retirement. Dont be driven by fear. When the market is down, investors tend to react with fear. Specifically, they rush to sell their in-vestments, afraid that if they dont cut their losses, they might sustain even bigger ones. If you can get past this feeling, you may find that a down market can offer you the chance to buy quality investments at good prices. Forget about the hot stocks. Youll hear friends, co-workers and talking heads on television tout todays hot stocks. But by the time you might hear about them, they may have cooled off and, in any case, they might not be appropriate for your needs. For-get about getting rich quick in the market it probably wont happen. True investment success requires patience and persistence. Cut down on your debts. Its easy to pile up debts, but a lot harder getting rid of them. Yet, if you can reduce your debt load even moderately, youll free up money you could use to invest. So look for ways to conserve, cut back and consolidate it will be worth the effort. Making these resolutions and sticking to them can help you as you work toward achieving your financial goals.

This article was written by Edward Jones for use by your local Edward Jones Financial Ad-visor.

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Simple Steps Toward Saving Money

(Family Features) Putting money in a sav-ings account seems simple enough, yet it's a struggle for many. According to federal data by Statistics Brain, the average U.S. family's savings account held a balance of $3,800 in 2014. While there has been an upward trend in the amount being socked away each year, increasing savings ac-count balances can help Americans meet their

long-term goals, such as retirement. When building your savings account, take the task head on by defining a clear course of action and setting specific goals. Know how you'll use the money. There are a variety of ways you can use your newly earned savings, from growing your savings balance to making a major purchase to pay-ing down debt. Set an attainable goal, such

as paying off a credit card, funding a down payment for a new house or making an extra mortgage payment. Challenge yourself to save. If you need a little extra motivation, tackle a program that lets you gradually step up your savings game, such as the 52 Week Savings Challenge. "A savings challenge is a great way to en-sure you're not only stashing money away, but doing so on a regular basis," said John Heath, directing attorney for Lexington Law. "Creating a habit of saving money is the ul-timate takeaway, and the simplest way to en-sure a solid financial future for your family." The challenge is simple: start off saving $1 the first week, $2 the second week, and eventually $52 in the final week of the chal-lenge. If you save each week throughout the year, you will be $1,378 richer. You may find it helpful to set a weekly reminder to stay on track. Remember, although the challenge sug-gests starting off with $1 for the first week, you could decide to save more if your budget allows and come out an even bigger winner. Ditch the money jar. By opening a savings account, you will be far less likely to "bor-row" from yourself. Having an account also makes it easier to arrange for automatic re-curring transfers that move money from your checking account to your savings account on a regular schedule. If your paycheck is deliv-ered via direct deposit, you can also direct a portion of each check directly to savings. Use accounts that give you a boost. Most financial institutions offer a variety of saving options to fit your needs. For example, if you meet certain criteria, you may be eligible to open a high-interest savings account to grow your savings even higher. Another route is to choose a savings account that imposes pen-alties for excessive withdrawals. While these accounts can feel restrictive, they provide a valuable deterrent for those who are too easily tempted to dip into their savings. Treat your savings contribution like a bill. Create a budget that outlines all your expens-es, and includes a line for savings. Thinking of your savings account as a debt to be paid will help hold you accountable for making regular deposits and limit any tendencies to spend what you may have been able to save. For more tips for managing your money, or your credit, visit www.LexingtonLaw.com.

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$20 Gift Certificate from the following Restaurants The Lookout House in Drums Deli in the Dairy in Hazle Township Top of the 80s in West Hazleton Valley Pizza in Sybertsville Bonanza Steakhouse in Hazleton C&D Seafood in Wilkes-Barre Flos Deli in Mountain Top Little Village Pizza in Sheppton Cuz n Joes in Conyngham Breakfast World in Hazle Township Johns Church Hill Restaurant in the Church Hill Mall Alta Pizza & Pasta House in Hazleton Purple Rose Cafe in Drifton Taste of Italy in Hazleton BJs Pub & Eatery in Hazle Township The Cheese Store in Hazleton Beltway Diner in Hazleton Two Italian Guys Pizzeria in Hazleton The Amish Pantry in Nescopeck Theodoras in Drums

30 Panorama Community Magazine: Dining & Entertainment

Community CalendarJanuary/february 2016

14 West BroadwayJim Thorpe, PA

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Fine Live Entertainmentin the Historic Jim Thorpe Opera House

Our Main Lobby has a Beer & Wine Bar& Concessionswith Homemade Treats& Soft Drinks

Visit theHistoric ExhibitLocated on the 2nd Floor Lobby

Visit Our Website forUpComing Shows & Eventswww.mcohjt.com or call 570.325.0249

To list your Community Event in our Calendar, please email the event to: [email protected].

January 11St. Johns Lutheran Church of Mahoning is hosting GriefShare, a free weekly grief support group and seminar, on Mondays at 6:30pm, starting January 11 through April 4 GriefShare features video from prominent Christian experts on grieving, and caring conversation with people who understand your thoughts and feelings, whether your loss is recent or long ago. St. Johns has been offer-ing these groups since 2010. This latest cycle features all-new videos, updated just this past summer 2014. To find out more, call St. Johns at 570-386-9960.

January 21

Go Walking In A Winter Wonderland at Heritage Hill! On Thursday, January 21, the community will be transformed into a beautiful winter wonderland for all to enjoy. Join Heritage Hill from 2-3:30 p.m. and en-

joy festive Rat Pack entertainment by Ray Phillips, and light refreshments. In case of in-clement weather, the snow date for this event is January 28. Please RSVP by calling 570-427-4500.

Caregivers, do you have questions about caring for a senior loved one? Heritage Hill invites caregivers across the area to a Night With The Nurses on Thursday, January 21 at 6:30pm The guest speaker for this event is Dr. Benyo, giving an Elder Care Update. This gathering gives attendees a chance to in-teract with each other, discuss problems, get tips, and learn from each other on how they can better care for senior parents or family members. Light refreshments will be served to those attending. Please RSVP by calling 570-427-4500.

February 27Lehighton Area Pool Pals invites you to at-tend our Annual Cabin Fever Dance Sat-urday, February 27 at the Orioles Pavilion, Orioles Drive in Lehighton. Doors open at 5:30pm. Music Provided by DJ Layne Rob-erts The Doctor from 7 to 11pm. Profits to Support Bare Memorial Swimming Pool. Come and enjoy music, dance, dance contest and door prize. Beverages and finger food in-cluded in price. For additional Information call Diane at 610-377-5275.

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panorama community magazine january 2016

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