Money Tips

CreativeLiving East/Northeast • January 2009 Senior Living Healthy Living Newlywed Money Tips A n A d v e r t i s i n g - S p o n s o r e d M a g a z i n e P u b l i s h e d b y T h e C o m m u n i t y P r e s s / R e c o r d e r. CreativeLiving Features 4 6 Bliss-building money tips The wedding plans are coming together, but are you two ready to marry your financial lives together? Here’s some advice to help. Editor’s note Healthy living Here are some great health suggestions to implement in your life this new year. You’ll look and feel better every day. Marriage truly is a beautiful thing. It’s amazing how two lives suddenly become one, whether you’re ready or not. Perhaps one of the most challenging aspects of marriage is learning how to marry your financial lives together. It isn’t easy. I venture to say this has been the most difficult struggle for my husband and I, who celebrate our fifth wedding anniversary this July. Lucky for all of you newlyweds out there, Creative Living this month features a helpful article, “Bliss-building money tips.” What a great way to start looking at your financial lives and how to smoothly combine the two long before the big day. Also this month there’s a special feature on healthy living. I’m very excited about this one because it’s helped me stay committed to my New Year’s resolution: Live healthier. It seems that this month is always a focus on one’s health and getting into shape – that’s probably the No. 1 New Year’s resolution. This article will give you simple ideas on how to stay healthy all year long. Happy New Year and happy reading. Specialty Publications Editor Contact See page 4 Creative Living is a monthly advertising-sponsored magazine published by the Specialty Publications Department of The Community Press/The Community Recorder. Questions and comments can be sent to Editor Melissa Hayden c/o The Community Press/394 Wards Corner/Loveland, OH 45140 or e-mail mhayden@communitypress.com. For advertising call 248-8600. Departments 3 Senior Living Care • Residence 5 Bridal Shops Specialty 2 C R E A T I V E L I V I N G 6 Health & Fitness Mind • Body • Spirit 8 Dental Care Gums • Teeth Communitypress.com • East | Northeast A sense of security, a feeling of family and an amenities-filled atmosphere help unlock the door to peaceful living at Sutton Grove Retirement Community. Tucked in a tree-filled area of Mount Washington on Deliquia Dr., Sutton Grove offers its 55year-old and older residents the 24-hour-per-day independence, care and attention they need with a support system of old and new friends. Spacious one- and twobedroom apartments feature vital safety features and a 24-hour emergency call system. Weekly housekeeping, nutritious meals and most activities are included in monthly rent, while a home healthcare agency, Helping Hands, can work with residents, their families and/or insurance providers to arrange aid with services including bathing, dressing and medication reminders. The community, which welcomes pets, is locally owned and operated by people with parents who live at Sutton Grove, making it truly a place where family matters. The full-time staff of about 10 Sense of security, feeling of family S E N I O R L I V I N G knows each and every resident by their first name: If someone doesn’t show up for dinner, for example, “We’re on the phone calling them or out looking for them,” says Tina Uhlenbrock, manager. The recent move to an around- the-clock emergency monitoring system, Uhlenbrock says, is indicative of the level of caring residents deserve and can expect. “We want to keep them here longer in their own home so they don’t have to move to a nursing home, or share a room with someone else,” Uhlenbrock says. “It’s really not just a job for us. They’re like our grandparents, mothers, fathers, and we look out for them as we would for our own.” Tina Uhlenbrock, Manager 1131 Deliquia Drive Cincinnati Tel: (513) 231-0008 Fax: (513) 231-8466 • Secured Building - 24 Hrs. a day • Lifeline System • In-Building Mailboxes • Library • Housekeeping Services • Planned Activities • Pet and Pet-Free Areas • Patio Enclosure • Beauty/Barber Shop • Laundry Facilities • Nutritious Meals • Health Care Available Upon Request • Chapel www.suttongrove.com Don’t be left out Call 248-8600 to learn how you can be a part of the February 2009 edition of the Private School Directory, published bi-annually by The Community Press/Recorder. must be 65 years or older C R E A T I V E Communitypress.com • East | Northeast L I V I N G 3 0000312160 FREE reservations LUNCH Call for Y Bliss-building money tips for newlyweds ou’re finalizing wedding plans and are eager to sip champagne with your guests. But are you and your fiancé prepared to marry your financial lives together once the “I do’s” are said, and you’ve returned home from your honeymoon in paradise? Poll after poll shows that disagreements over finances are the No. 1 cause of divorce in America. Finance and family counseling experts alike encourage couples to discuss and plan their finances together before tying the knot. Some tips engaged couples can follow to get those money discussions under way include: arrangements to interrupt. 2. Talk about your finances. Determine if you and your fiancé are spenders, savers, or a mixture of the two. Also discuss what you’ll be bringing into the marriage – debts, child-support payments, lack of credit, etc. Look up your credit reports and scores together, and determine if you’ll be better protected by joining your accounts or keeping them separate. putting your future children through college. If you’re combining families, decisions about investing need to be taken care of immediately. For all your investing goals, talk about your time frame for reaching each goal, the different views you may have toward taking investment risks and then choose the vehicles, such as mutual funds, to invest in to help reach those goals. B R I D A L 3. Decide how you’ll track and pay for expenses. Who is going to be paying what bills? What is your family budget going to look like? Can both of you live comfortably off that budget? These are impor1. Pick a non-emotional time to tant decisions that should be made talk about finances. This discus- before the grand march down the sion could potentially be stressful, aisle occurs. and doesn’t mix well with the 4. Establish joint investment stresses of wedding planning. goals. You need to consider both Make sure you pick a quieter time without the distractions of guest short-term and long-term goals, lists, hotel reservations or flower ranging from buying a new car to 5. Diversify your portfolios. The adage “Don’t put your eggs in one basket” comes into play here. As the recent economic crisis demonstrates, having finances invested in multiple areas prevents you from feeling as much pain when the markets suffer a set back. Go over your individual Time will pass by quickly, so investments and investigate where you might be doubling up. You make sure you and your intended want to have a mix of investments are prepared ahead of time for to even out overall portfolio risk, financial hurdles. although diversification cannot Courtesy of ARAcontent ensure against loss. HEIRLOOM FLORAL PRESERVATION Fleur á Flair www.fafpreservation.blogspot.com F 0000313464 Create floral memories from your bridal bouquet (513) 891-7404 Your neighbors will love reading about you C r e a t i v e Living Call 248-8600 leur A Flair Heirloom Floral Preservation has been preserving flowers and bridal memories for almost 25 years. Many satisfied Brides have enjoyed the three-dimensional beauty of their wedding flowers designed as a custom piece of artwork to be enjoyed for years to come. Owner Janet Moore, M.S. has worked with brides as a floral designer and preservation specialist. She has won awards and has taught floral design enabling her to recreate the bridal bouquet in a shadowbox, oval frame, or custom display case. Many brides chose to also include other wedding memorabilia such as an invitation, wedding license, tiara, gloves, or photo. Janet has researched and refined her methods over the years to bring you the best combination of quality, variety, and personal service. Surprisingly with all the added benefits of a local business the prices consistently compare at below competitors prices by often 30 to 50 percent. You also get the advantage of in-town drop off, selection, and pick up of the flowers. Gift certificates available. Call 891-7404 for a free brochure and coupon and check out the Web site at www. fafpreservation.blogspot.com. www.communitypress.com 4 C R E A T I V E L I V I N G Communitypress.com • East | Northeast B R I D A L S allie Gregory, owner of Sew Special, is passionate about her work. The in-home seamstress has 30 years of experience with brides-tobe – working with them to make their wedding gown absolutely perfect. “I’m very detailed-oriented,” Sallie says. “I take pride in what I do and I understand that this is their day and that the gown has to be right. As a result, I have a Making your wedding day oh ‘Sew Special’ Full Service Alterations numerous amount of repeat business.” Sallie handles all aspects of formal wear, as well as transforming heirloom gowns into a bride’s dream gown. Last year she altered more than 300 gowns, which included prom. She will also work with the entire bridal party, mother of the bride/groom, and flower girls. Call 459-8401 for an appointment today. Bride Mother of the Bride/Groom Attendants Flower Girls Specialized Services also available. (513) 459-8401 Phil 4:13 or sewspecial@cinci.rr.com contact Sallie at T he average wedding in the Greater Cincinnati area will cost about $28,263 according to costofwedding.com. There are many variables that go into planning a budget. While it is an emotional experience, do not over extend yourself. There are creative ways to save. Get an exhaustive planning guide, which you can find at www.perfectweddingguide.com. Determine what is important to you, then set your budget. One of the most important details are photographs of the memories of this special day. Find a photographer who is friendly, and engaging. Also, some companies offer multiple services that Memories Matter Let us help you preserve tomorrow’s memories today. may provide opportunities for savings. Memories Matter LLC provides photography and floral services; so, there may be savings when booking a wedding or event using both services. You can see their work at www.MemoriesMatterLLC.com. You can also contact them at info.MemoriesMatterLLC.com, and they will send you a complimentary Bridal To Do and Budget list. Whoever you choose, follow the guide, stick to your budget, and follow up with your vendors at reasonable intervals. Beyond that, be sure to enjoy your wedding day and let it be full of wonderful memories. www.MemoriesMatterLLC.com Photography & Floral Services for any occasion 0000311709 513-891-8401 Contact us for a free Bridal To Do and Budget List at info@MemoriesMatterLLC.com www.communitypress.com Communitypress.com • East | Northeast C R E A T I V E L I V I N G 5 H E A L T H & F I T N E S S 6 Weeks To A NEW You! Weight-Loss Program 9456 KENWOOD RD. (behind UDF) BLUE ASH Saturday, February 21st • 9:00-10:00am Monday, February 23rd • 7:00-8:00pm Butch Koop lost 43 pounds and 8 inches with the help of Personal NEWtrition. P Chrisy O’Connor, Registered Dietitian - 1 on 1 Nutrition Consultation - Metabolic Analysis - Personal Menu Plans - Personal Training - Corporate Wellness Programs Other Services: $20 OFF 6 WEEK PROGRAM EXPIRES FEBRUARY 28, 2009 WITH THIS COUPON WITH THIS COUPON NUTRITION COUNSELING EXPIRES FEBRUARY 28, 2009 $10 OFF ONE ON ONE For more information Call NOW www.NutritionSOS.com 0000313112 513-661-6391 ersonal NEWtrition LLC would like to share another successful journey of a client. Butch Koop, of Koop Diamond Cutters Inc., was struggling with high blood pressure, high cholesterol, high triglycerides as well as asthma which were all related to his elevated body weight. “I need somebody whose specialty is nutrition,” Butch stated. The doctors were confusing him with various restrictions of no fat, no sodium and then his carbohydrate intake was elevated causing weight gain. After researching his options, Butch decided to do a one-on-one nutrition counseling session and a Metabolic analysis with Registered Dietitian, Chrisy O'Connor who is the owner and founder of Personal NEWtrition. This service allowed Butch to start a balanced eating plan which included fruits, vegetables, lean proteins and whole grains as well as good fats. Butch was given a plan to follow daily to help make healthier choices and was recommended to cut out all the “energy drinks” which were adding high calories and high caffeine to his daily intake. Because of the ease of this program, Butch continued with a follow up package and checked in every three to four weeks for a food log review and weigh in. Butch was and still is motivated! He has decreased his weight by 43.5 pounds and has decreased his waistline by 8 inches over the last 8 months. His doctors are thrilled by his weight loss which has lead to all medications being dropped but one. He describes his new energy as a “lifesaver”! He struggled with walking up and down stairs and even walking up and down his driveway. Now he has a new energy and does not feel so tired and depressed with his body weight. Recently Butch said “I can't wait to get fitted for a nonfat tuxedo for a family wedding. It is really fun buying clothes that are getting smaller rather than larger.” If you would like to become the next success story for Personal NEWtrition or you’re getting ready to look great for your or your child's wedding, give Personal NEWtrition a call at 661-6391 or visit their Web site at www.NutritionSOS.com. They now provide an online weight loss service with or without a dietitian’s support. NEW energy is a life saver 6 C R E A T I V E L I V I N G W ith busy schedules and lifestyles, keeping your mind, body and soul healthy can be a major challenge. However, don’t let the hectic pace of life keep you from living yours to the fullest. There are simple steps you can take that will leave you feeling energetic and upbeat. Consider these 10 tips to help you live a happy, healthy, safe and balanced life. Maintain a healthy lifestyle Get plenty of Zzzzzzs phins, are released through your body when you laugh. Additionally, laughter works your abdominal muscles and boosts your state of mind. S Get physical Between work, family and extra activities, it’s sometimes difficult to get the necessary six to eight hours of sleep per night. Be sure to avoid caffeine or exercise right before bed. Instead try reading a book or meditating. As the largest organ of the human body, your skin’s health is vital. Luckily caring for your protective layer can be easy and enjoyable. Try a trip to the spa, or even create a spa at home. There’s no better way to start your day than with an invigorating, spa-like shower. Finish off your pampering shower with your favorite body cream to lock moisture in your skin. Exercise not only helps you build muscle and lose weight, giving you more self-confidence, but it’s vital in maintaining a healthy heart. And don’t think you need to spend hours at the gym to achieve a new physical you. From strength training and cardio workouts, to walking the dog or taking the stairs – anything that gets your heart pumping will benefit your health. S.O.S. – Save Our Skin Over time, stress can lead to serious health issues such as obesity, depression and even death. When you start seeing red, instead think blue… as in blueberries. Antioxidants found in the tasty fruit fight stress hormones. Also, don’t forget to breathe. Inhaling a deep breath for five seconds, then exhaling for another five seconds, can help clear your mind and enhance blood circulation. Stress is a mess peedy’s Gym is a small gym that offers more than the big box fitness centers. Speedy’s has kettlebells, bumper plates, a sled, tire, heavy bag, rope and more. Are you wondering what these are used for? It is functional strength training. People exercise to be healthier, feel better and make their lives easier, or in training terms to increase their work capacities. Fitness centers are full of machines that limit movement to a certain range of motion. The fitness industry has been dominated for years by body building and misguided personal trainers that recommend isolating a muscle and primarily training the extremities. This is fine if you are rehabbing an injury or are a competitive body builder, but if you are trying to improve your life, and you Get movin’ now H E A L T H & F I T N E S S exercise sitting down you are limiting yourself. The number one rule in training athletes is to train them to perform. Life is a performance and most of it takes place standing so exercise should involve as much movement as possible. Functional strength training involves large total body movements, that can be performed with body weight or added resistance. Functional strength training is easily modified to an individual’s ability and structure. Big movements strengthen the body from the center out, and if your core is strong you are strong. Big movements also raise your heart and breathing rates which means your metabolism increases and you are burning calories and fat. Functional training challenges you physically and mentally with endless variety and it is fun. New Year Special - 3 months $72 I f a registered nurse has made a difference in your life, prepare to honor that caregiver at the 17th Annual Florence Nightingale Awards for Nursing, Wednesday, April 22 at the Hyatt Regency, Cincinnati. Six winners will receive $1,000 awards and 10 finalists, $400 awards. The Florence Nightingale awards, established in 1992, recognize individuals in the nursing profession for excellence in the delivery of direct patient care. Honor excellence in nursing Each year the board of advisors calls upon the Greater Cincinnati community to nominate individual nurses who exemplify the spirit of caring embodied by Florence Nightingale. The gala awards dinner is sponsored by Ethicon EndoSurgery Inc. For more details check the College of Nursing Web site, www.nursing.uc.edu, or call 5585311. The deadline for nominations is March 6. Wednesday, April 22, 2009 Hyatt Regency Grand Ballroom Call for Nominations Communitypress.com • East | Northeast C R E A T I V E L I V I N G 7 0000309929 The Board of Advisors of the University of Cincinnati College of Nursing invites you to nominate a registered nurse (RN) for the Florence Nightingale Awards for Excellence in Nursing. These awards recognize nurses for their contributions to health care. Winners receive a monetary gift and a commemorative award. Nominees must: • be licensed as a RN • reside and be employed in the Greater Cincinnati area • demonstrate excellence in direct patient care Obtain nomination forms at www.nursing.uc.edu or (513)558-5311. Forms must be postmarked by 3/06/09. 0000312362 You schedule meetings and appointments each week, so why not schedule time for recreation? Be sure to set aside time each week for activities you enjoy. Whether it’s dinner with family and friends, or taking the phone off the hook and curling up with a good book, be sure to block out time on your calendar with activities that you enjoy and will rejuvenate you. By following these simple tips, LOL (Laugh Out Loud) you’ll be on the road to a happy, Build your immune system healthy, safe and balanced life. through laughter. Health-increasing hormones, such as endorCourtesy of ARAcontent Your right for recreation Speedy’s G y m S p e e d y ’ s Gym 834 Ohio Pike, Suite 240 Cincinnati, OH, 753-6700 speedysgym.webs.com Seminar $ 5 Jan 17 10 am S e m i n a r - $5 • Ja n 1 7 - 1 0 a m Weight loss program, personal training Boot camp, youth conditioning No-xplode - $46 5 lbs. whey - $40 Functional St r e n g t h F u n c t i o n a l Strength D E N T A L C A R E Think your snoring is just a pain to her? Don't let snoring or sleep apnea ruin another year. Snoring can often be a symptom of Obstructive Sleep Apnea, a sometimes life-threatening sleep disorder that negatively impacts the health and quality of life of millions of Americans. A Snoring • Daytime Fatigue • Morning Headaches • Depression Restless Sleep • High Blood Pressure • Lack of Concentration Sleeping in Separate Rooms Symptoms include: Cincinnati Dental Sleep Medicine Dr. Kitzmiller and his team have been uniquely trained in state of the art dental sleep medicine to effectively treat Sleep Apnea with Oral Appliance Therapy. Visit www.cincisleep.com for more information and take a quiz to see if you or someone you know may have Obstructive Sleep Apnea and benefit from Oral Appliance Therapy! C i at n n ci in M e in ic ed 0000311692 GENERAL DENTIST re you tired of not getting a “After being diaggood night's sleep due to the disruption caused by nosed with sleep apnea I snoring? Do you have a CPAP was given a CPAP machine to treat your sleep apnea but find that it often disrupts your machine. I made every sleep due to mask leaks and diseffort to make it work for comfort? At Cincinnati Dental Sleep me but it was uncomMedicine, Dr. Kitzmiller treats patients every day who have been fortable, loud, and in the looking for an alternative to their end I lost more sleep CPAP machine and nights filled with disruptive snoring. with it than I gained. I Utilizing state-of-the-art dental sleep medicine treatment includ- came to Dr. Kitzmiller ing Oral Appliance Therapy (such and after the first few as the TAP and Somnomed), Dr. Kitzmiller and his uniquely nights started feeling trained team are able to offer their better. It's a win-win for patients a comfortable, lifestyle friendly and effective treatment anyone who finds the option. CPAP intolerable!” An oral appliance is a custom fabricated, FDA approved medical – Tonya M. device that is worn over the teeth while sleeping. The adjustable appliance, which resembles a sports mouthguard, holds the lower jaw in a forward position, keeping the tongue and soft tissues of the throat from collapsing during sleep and blocking the airway. Just like a CPAP machine, the oral appliance serves to keep the airway open to prevent the snoring and apnea episodes. The result is a quiet and healthy night's sleep for the patient and their family! Through a series of three office visits, and utilizing medical insurance, Dr. Kitzmiller can help you manage your life-threatening sleep disorder without reliance on CPAP. For a Complimentary Consultation to see how Oral Appliance Therapy could be an alternative for you, call us today at 248-8848 or visit our Web site at www.cincisleep.com Get a good night’s sleep l ta en D p ee Sl 8 C R E A T I V E L I V I N G