Issue 4 - 4th Quarter 2010 December 2010
Preparing for 2011
cine shot and be prepared. resolution to create or update
your will and advance care
Take some vacation time off directive. These documents 2011 Preparations
if you can and really take a because especially important GET YOUR FLU
vacation! Leave work behind if you have minor children. VACCINATION
to clear your mind and spend
TAKE TIME OFF FOR
time with family and friends, Consider creating a trust to VACATION
either traveling or just relax- document how you want your
MAXIMIZE YOUR 2010
ing at home. assets distributed and to TAX BREAKS
avoid probate. Since your
CREATE OR UPDATE
Financial estate is considered a sepa- YOUR W ILL
December 31st is not very far rate legal entity from you,
Review available tax breaks CREATE OR UPDATE
off now that the annual holi- there may also be good tax YOUR TRUST
that you can still take this
day season has started. reasons to do so (consult
year such as installing a solar ENJOY TIME OVER THE
Make a little bit of time now your attorney or tax planner). HOLIDAYS WITH FRIENDS
water heater or photovoltaic AND FAMILY!
to plan for 2011 will make the system, or taking that invest- Plan now so you can ease
year-end transition smoother. ment loss on a poorly per- into 2011 with less stress in
forming stock. Remember, your life.
these have to be done before
Have you received your flu year end to count toward
shot yet? Flu season just got reducing your 2010 taxes. Inside this issue:
underway and is expected to
Legal AVOID THE HEAT THIS 2
peak in February and March
next year. Get your flu vac- Make an early New Year‟s
END 2010 ON YOUR FEET 2
NEW YEAR’S RESOLUTIONS 3
CHEESECAKE (RECIPE) 3
'Tis the Season For Giving (con’t on Page 2) READ MEMORY VAULT’S BLOG 3
ONLINE BUYER BEWARE! 4
Consider giving the gift of life needs this blood according to Use this link to locate blood
to someone else. You can do the American Red Cross. donation centers near you FLU SEASON UPDATE 4
this by donating blood and (from America‟s Blood Cen- MORNING GLORY MUFFINS
Donating blood is safe and 5
becoming an organ donor. ters) and make your donation (RECIPE)
most people can do so on a appointment today!
Each day over 38,000 blood regular basis. Here‟s where GAIN SPACE TO GROW 5
donation are needed, and you can learn about donation Organ donations are also a HOLIDAY MESSAGE 6
every 2 seconds someone requirements. gift of life for others who need
Avoid the Heat This Christmas
The holidays bring with them the holidays (and imme- Never put lit candles on
the smell of the Christmas diately if it is dried out) your tree (pine resin ig-
tree in your living room, and nites easily)
the cheerful glow of lights Holiday Lights
from holiday decorations Fireworks
around the house. Don‟t use
frayed or damaged light Only use legally ap-
These bring joy to our hearts strings, or ones with a proved fireworks
but can also bring sorrow if damaged plug
care isn‟t taken to follow basic Monitor anyone
safety tips. Don‟t overload your elec- (including children) who
Follow fire safety guidelines trical outlets with too play with fireworks
this holiday season. Christmas Tree many strings
Don‟t use fireworks
Select a fresh tree with Candles around dry grass/brush
green and pliable nee- or other flammable mate-
dles, and keep it watered Never leave lit candles
Don‟t place your tree
near a heat source Keep candle flames
away from other objects Tips from FireSafety.gov
Dispose of your tree after that could catch fire
End 2010 on Your Feet
“. . .don’t
become one of Take care and prevent your- injured in fall-related acci- 3. Never stand above the
self from taking a fall this holi- dents each year according to highest safe step or rung
the over 17,000
day season. Falls can occur the Centers for Disease Con-
Americans while decorating your tree or trol. 4. Don‟t over reach—move
injured in fall- stringing lights on the outside the ladder instead
of your house to dazzle the 1. Use the correct ladder for
related Learn more at these web
neighbors. the job (step vs. exten-
accidents each sion). sites:
year. . .” Follow a few simple tips so
2. Level and secure ladder Home Safety Council
that you don‟t become one of
the over 17,000 Americans before climbing at the
Giving (con’t from Page 1)
organ transplants due to in- Find your local organ donor
jury or chronic health condi- organization using this link
tions. (from Donate Life America)
and register to become an
Currently, more than 100,000 organ donor.
people are waiting for an or-
gan donation, and every 10 Become a blood and organ
minutes another name is donor and give the gift of life
added to a donor registry list, this holiday season and all
according to Donate Life Give the Gift of Life year-round!
Click to find a America.
Blood Drive Near You
Issue 4 - 4th Quarter 2010
New Year’s Resolutions
Here is a list of the most Manage 1/2 cup skim milk, heated
popular New Year‟s resolu- Stress by almost to boiling
tions from the USA.gov web checking out
site. this web Egg substitute equivalent to 1
site‟s advice. egg, or 2 egg whites
Drink Less Alcohol to stay
healthy and live longer. Alco- Quit Smoking Now for a 1/4 cup sugar1 teaspoon va-
hol has both health and social healthier you by reading this nilla Make a New
impacts so drinking less is Quit Guide. Year’s Resolution
2 cups low-fat cottage cheese and stick to it in
good for you.
Save Money 2011.
Lemon zest (optional)
Get a Better Education by using one or
checking out these resources more of these
for your children and yourself. 66 tips for Directions
Get a Better Job if you need a Combine water, gelatin and
change from your current Take a Trip to take a vacation lemon juice in blender con-
one. Check out CareerOneS- and see more of America‟s tainer. Process on low speed
top.org from the U.S. Dept. of historic sites and tourist desti- 1 to 2 minutes to soften gela-
Labor and look for state and nations. tin. Add hot milk, processing
federal government jobs until gelatin is dissolved. Add
online. Volunteer to Help Others who egg substitute, sugar, vanilla
need help in your community and cheese to blender con-
Get Fit to stay healthy and - you‟ll find that it can be a tainer. Process on high speed
enjoy life more. Being active very rewarding experience. until smooth. Pour into 9" pie
is fun! plate or round flat dish. Re-
frigerate 2 to 3 hours. If you
Lose Weight to improve your
overall health and stay more
Cheesecake wish, top with grated lemon
zest just before serving.
active. Here are dietary
guidelines you can follow. This recipe is from the Mayo-
2 tablespoons cold water Clinic.com web site. Check
Manage Debt to lead a less
them out for more great holi-
stressful life. Learn how to 1 envelope unflavored gelatin
help yourself or get help from
professional debt counselors. 2 tablespoons lemon juice
Read Memory Vault’s New Blog
Memory Vault recently What is a blog you ask? Well, such as graphics or video.
launched our blog site where Wikipedia defines this term as Entries are commonly
we are working hard to post “A blog (a blend of the displayed in reverse-
content that you can use. term web log) is a type of chronological order.” Noun
website or part of a
Visit our site by pointing your
browser to website. Blogs are usually Has this piqued your A journal written online
interest? Want to create and accessible to Internet
MemoryVaultBlog.com or just maintained by an individual users.
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commentary, descriptions WordPress.com or Short for weblog.
of events, or other material Blogger.com to get started.
Online Buyer Beware!
Shopping online from the convenience of your home can be a Related Information
scary proposition nowadays. There are regular stories in the Facts on Identity Theft
newspapers and news web sites about the growing threat of
identity theft. Tips to follow to Protect
OnGuardOnline.org sponsored by the Federal Trade Commis-
sion and other governmental agencies recommends following Beware of Email and Phish-
these simple steps to help project your identity while shopping ing scams that target you
online to snag those holiday bargains:
Info about protecting your
Know who you are dealing with by checking out the online Investment activities
Visit the OnGuardOnline site
for more great information buyer before placing your order
Purchase and install anti-
virus and anti-spyware soft-
Know what you are buying by looking into onsite cus-
ware to protect against Mal-
tomer reviews and reviews from other reputable sources
ware and Spyware from
compromising your informa-
Know what your purchase will cost, including all deliv-
ery, warranty or service charges
Learn the Do’s and Don’ts
Read all terms and conditions of purchase before buy- for online Auctions
“Know who you
ing—especially return policies and warranties
are dealing with. Finally, learn how to Avoid
.. Protect your purchase by using a credit card since, by Scams altogether that are
law, you have built-in protections this way (your card is- targeting you!
Read all terms suer may also provide extended warranty coverage at no
and conditions extra cost to you)
of purchase. . .
Keep good records by printing out online receipts, email
receipts, and related information about your purchase
records. . .
Click the image to learn how
to beat the Cyber Criminal
Flu Season Update
According to the latest FluView So, get vaccinated if you and
weekly report from the CDC, your family haven‟t done so
flu activity is low in the U.S. at yet.
Learn more about the flu at the
This is good news at this point Flu.gov web site.
in the winter flu season, but
we‟re not out of the woods yet. Find out what‟s new about the
Visit the CDC’s Flu.gov
site for lots of good up- The peak flu season doesn‟t 2010-2011 flu vaccine.
to-date information on
arrive until February and
the seasonal flu. Review prevention and treat-
March next year.
Seniors are at risk ment information.
Issue 4 - 4th Quarter 2010
Morning Glory Muffins
A healthy muffin recipe from applesauce Directions
the MayoClinic.com web site
Preheat the oven to 350 F.
that you can use for breakfast, 2 teaspoons vanilla ex-
Line a muffin pan with paper
a light snack, or side dish for tract
or foil liners. In a large bowl,
combine the flours, sugar,
2 cups chopped apples Memory Vault paid subscribers
Ingredients baking soda, and cinnamon.
(unpeeled) are covered by Identity Theft
Whisk to blend evenly. In a Restoration Services provided
1 cup all-purpose (plain) separate bowl, add the egg
1/2 cup raisins by our partner idexperts®.
flour substitute, oil, applesauce
and vanilla. Stir in the apples, If a subscriber learns that their
1 cup whole-wheat flour 3/4 cup grated carrots
raisins and carrots. Add to the identity is being used for fraudu-
2 tablespoons flour mixture and blend just lent purposes, they simply file an
3/4 cup sugar until moistened but still Identity Theft Report online.
slightly lumpy. Spoon the
2 teaspoons baking soda batter into muffin cups, filling Then, an idexperts ID Theft Res-
each cup about 2/3 full. Sprin- toration Expert will contact them
2 teaspoons ground cin- to verify their report, gather more
kle with chopped pecans and
namon information, and then work to
bake until springy to the
restore the victim‟s identity by
touch, about 35 minutes. Let
3/4 cup egg substitute contacting credit bureaus, other
cool for 5 minutes, then trans-
agencies or businesses.
fer the muffins to a wire rack
1/2 cup vegetable oil and let cool completely.
1/2 cup unsweetened
Gain Space to Grow
Consider decluttering your local charity so that someone Also consider making dona-
home this holiday season to else can use it. You can do- tions to a thrift shop that is part
gain back living space you‟ve nate, clothes, furniture, small of a religious organization,
lost over the years. appliances, and even cars and since these stores work hard
boats. to provide low-cost goods for
Envision each room in your people in need.
home without the clutter, then Use these online resources to
work toward getting it to look find a site near you. To learn more about deducting
like that. your charitable donations you
Goodwill can review IRS Publication
Tackle one room at a time so 526 (2009 version).
that you don‟t become over- Salvation Army
whelmed with the size of the
National Kidney Foundation—
Get more decluttering tips from
Big Brothers / Big Sisters—
Peter Walsh, a guest on the
Auto Donation Donate your old auto or boat
to support your favorite local
Children‟s Wish Foundation— charity and get a 2010 tax
If it‟s junk then throw it away. If break too!
Auto, or Boat Donation
not, consider donating it a
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