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Horoscopes – January 2017 Living Smart 

Horoscopes – January 2017

ARIES– Neptune in the 12th house – don’t be limited by small ideas where your home or property is concerned. The time is ripe for big steps, bold moves and investments in your future. Let a cautious relative know you will no longer be bound by petty restrictions. Aries and Libra play key roles this month.   ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• Taurus – Neptune in the 11th house – an adventure you’ve been waiting for begins. Your happy-go-lucky attitude draws many persons to you, including someone of the opposite sex who is interested…

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Hungry for the Holidays – Recipes Living Smart 

Hungry for the Holidays – Recipes

Gingerbread Cupcakes with Cinnamon Cream Cheese Frosting INGREDIENTS: • 1½ cups flour • 2 tablespoons ground ginger • 2 teaspoons cinnamon • ¼ teaspoon nutmeg • ¼ teaspoon ground cloves • 1½ cups butter • 1 cup sugar • ½ cup brown sugar • 3 tablespoons molasses • 4 eggs, at room temperature • 1½ teaspoons vanilla • 4 cups powdered sugar • 4 ounces cream cheese, softened • 1 tablespoon cinnamon • ½ teaspoon vanilla • 2-4 tablespoons heavy cream DIRECTIONS: Preheat oven to 350 and line muffin tins…

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Healthy Holiday Recipes Featured Living Smart 

Healthy Holiday Recipes

Slimmed Down Green Bean Casserole Ingredients: 3-4 medium shallots, in their skins 1 1/2 tsps Kosher salt 1 lb. fresh green beans, stemmed & halved crosswise 1 tbsp extra-virgin olive oil 8 oz. (4 cups) cremini mushrooms, sliced 2 tbsps unsalted butter 3 tbsps all-purpose flour 1 1/2 cups mushroom, vegetable, or chicken broth 3 tsps fresh thyme leaves Ground black pepper Vegetable cooking spray 1 cup fresh bread crumbs Directions: Preheat the oven to 400 degrees F. Put the shallots (in their skins) on a small baking dish, roast…

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A New Home: Renting vs. Buying Living Smart 

A New Home: Renting vs. Buying

Many of us may be comfortable with our current living arrangements. However, when the time comes, people may want to explore other options. Each individual or family has to weigh their current life situation to determine if it would be better for them to rent a home or if they can settle down and buy a home. Below, we will explore both options: Renting: Depending on your life situation, you might find renting to be more beneficial. Renting, in general, will offer you more flexibility. If you are unsure about…

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Saving Money on Auto Insurance Living Smart 

Saving Money on Auto Insurance

With winter right around the corner, many of us are preparing for the weather ahead. We may be buying clothing for the cold weather and stocking up on hot cocoa, but it’s important for us to also think about getting around in that weather. With that in mind, many of us obtain auto insurance for our vehicles when we first get a new vehicle, but afterwards, we never think to take a second look and review it. Below are some tips on how to save some additional money on your…

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Saving for the Holidays Living Smart 

Saving for the Holidays

With school back in session, the leaves falling, and the summer behind us, the holidays are coming up! Here are ten tips on how you can save money while enjoying the holiday season over the next few months: Create a Budget The biggest and most important tip for saving money during the holidays is setting up a limit on how much you’re willing to spend. By setting a limit, you will have X amount of money to spend across X amount of people you need to purchase gifts for. You…

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Halloween Treats Living Smart 

Halloween Treats

Mummified Candy Corn Cake Ingredients: 3 1/2 cups cake flour 1 1/2 tbsps baking powder 1/2 tsp salt 1 cup plus 2 tbsp whole milk 2 tsps vanilla extract 1 3/4 sticks unsalted butter, room temp 1 1/4  cups sugar 5 large egg whites 2 1/2 tsps yellow gel food coloring 1/4 tsp red gel food coloring (2) 16-oz. cans vanilla frosting 2.5 oz. large marshmallows Directions: Preheat oven to 350°F. Coat 3 8-inch round cake pans with cooking spray. Line bottoms with parchment; mist again with cooking spray. In…

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Student Loans: An Overview Living Smart 

Student Loans: An Overview

As we enjoy the summer, we may have to begin thinking about college and how we will be funding it in the near future. There are many types of different ways a college education could be funded, but one major source for many individuals is student loans. However, with so many types, it is important to consider which kind of student loan is best for you and which kind of student loan you are eligible for. Direct Loans: Funded through the William D. Ford Federal Direct Loan Program, Direct Loans…

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Solar for Your Home Living Smart 

Solar for Your Home

How about a Second Opinion? (Psst….It’s Not Too Late!) For the first time in forever, homeowners can choose how they power their homes. It’s a great feeling when you tell someone that they don’t have to pay the utility for their electricity anymore and you see that idea sinks in. The people I meet every day are afraid of their electric bills, not only because they seem to increase all the time, but because they honestly don’t know what they’re being charged for. “Going solar” means that you make your…

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Credit Score Basics Living Smart 

Credit Score Basics

Your credit score is a very important number that reflects your credit worthiness at any given point. Many of us know about it, but don’t fully understand how we get to this number. It is the key to your financial life, and is used by auto loan lenders, mortgage lenders, credit card companies, landlords, cell phone service providers, and new employers to evaluate your credit risk. Your Credit Score (also known as your FICO score) is impacted by the following: • 35% Payment History • 30% Amounts owed • 15%…

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Finding the Right Home Improvement Loan Living Smart 

Finding the Right Home Improvement Loan

With spring right around the corner, and (hopefully) better weather on the way, many of us may begin looking into doing some spring-cleaning. Others may be looking into making some home improvements. Whether you’re looking to make an addition to your home or re-model, it may cost a large amount of money. In those cases, finding the right home improvement loan is extremely important. Many homeowners today have a first mortgage on their home. This is usually from when the homeowner(s) made a home purchase, and is a substantial lump…

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Saving for Vacation Living Smart 

Saving for Vacation

While we’re currently in the middle of Winter, many of us might be thinking about plans for the Spring and Summer. Some of these plans may include going to the beach, spending time outdoors, or travelling on a vacation. No matter when or where you may want to go on vacation, it will still cost something! Here are a few tips to help you save for your next getaway: Set Up a Separate Savings Account for Your Vacation Many financial institutions may have an account in place such as a…

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Treat Yourself This Winter: nuBest salon and spa Living Smart 

Treat Yourself This Winter: nuBest salon and spa

Let’s face it: Winter can be a real drag, but everything you need for an amazing staycation is located right at nuBest salon and spa. There are some basic indulgences that no one should have to live without. nuBest salon and spa has the perfect antidote to fighting the winter blahs – the nuBest signature facial and the nuBest signature massage.  These pampering treatments are the perfect way to escape the winter doldrums, while leaving you feeling refreshed and relaxed. Signature Facial – $120 The nuBest signature facial is a…

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Holiday Financial Advice Living Smart 

Holiday Financial Advice

Scams to Watch Out for This Holiday Season With the holiday’s quickly approaching, many if not all of us will be traveling, shopping, etc. We will have so many things happening that we will be feeling as if we are being pulled in every direction and could lose focus on what’s going on. While we are getting gifts for our loved ones, don’t forget that there are scams* like this being passed around: EZ-pass E-mail: You receive an official-looking email stating that your electronic payment information needs to be updated…

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