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Big Tax Mines That Could Blow Up Your Return

2012-01-30T11:02:00.000-05:00

Most people don’t have tax returns as complex as Mitt Romney, Newt Gingrich or Barack Obama, but even if you aren’t reporting a Cayman Island account or many millions in S-corp. profits or book sales, there are brand-new pitfalls to watch for as you go to do your 2011 return.

Congress’s relative gridlock last year means there aren’t a slew of complex tax changes to deal with when you file this year — but there are some doozies that may trip up taxpayers. For instance, thanks to a law passed in 2008, investors now face new rules and a new form for reporting cost basis for stocks sold in 2011. And now that brokers are reporting your cost basis to the IRS, too, it’s all the more crucial that you get it right.

Also, taxpayers with financial assets overseas need to make sure they’re on the right side of new rules, and a new form, for reporting those assets. The penalty for failing to file the new Form 8938 starts at a flat $10,000 and rises to as much as $50,000, and that doesn’t include other potential penalties.

Payback time
Meanwhile, the tax breaks for homeowners who made energy efficient improvements shrank last year, and those rules are labyrinthine and easy to get wrong. Plus, homeowners who took part in the 2008 first-time home-buyer tax credit — for that year, that tax break was an interest-free loan, not a grant — face their second year of loan repayments.

And taxpayers who converted their individual retirement account (IRA) to a Roth IRA in 2010 and chose to spread the tax payment over 2011 and 2012 (that was an option thanks to a one-time tax break) must pay one-half of the income taxes owed on that conversion on their 2011 return.

“That conversion you did? Now the chickens are coming home to roost,” said Mark Luscombe, principal tax analyst with CCH Inc., a Riverwoods, Ill.-based tax publisher and unit of Wolters Kluwer. “People seem to have fairly short memories, and something they did in 2010, they’ve forgotten about by 2011 and tend to assume it’s a dead issue,” he said. While making an honest mistake doesn’t necessarily land you in hot water or steep penalties, why risk a letter or call from the IRS?

The payroll tax cut
One major tax issue going forward is the payroll tax cut and whether Congress will extend this tax break — a two-percentage-point reduction in the Social Security taxes paid by workers — beyond the two-month extension through February that lawmakers enacted in December. The payroll tax cut essentially replaces the Making Work Pay credit — that credit expired, and is no longer reflected on Line 63 of Form 1040.

While there’s no tax-return pitfall here to worry taxpayers, some workers are confused by their changing paycheck amounts. And since employers have until Jan. 31 to implement the two-month extension, workers may see additional paycheck adjustments.

“If I had to pick one thing that we’re hearing grousing about, it’s the payroll changes,” said Cynthia Jeanguenat, an enrolled agent in Virginia Beach, Va. “People want to know, ‘How come my check changed this week? I worked the exact same hours.’” Be prepared for more changes as Congress revisits this tax break.

New rules to report foreign assets
You’ve heard about the IRS going after money held in offshore accounts? That’s related to taxpayers failing to file the Report of Foreign Bank and Financial Accounts, or FBAR.

But this year, some taxpayers need to steel themselves for a new, broader reporting requirement, thanks to the Foreign Account Tax Compliance Act, or FATCA, passed by Congress in 2010. This new requirement is in addition to the fact that taxpayers with accounts overseas worth $10,000 or more generally are required to report those funds to the U.S. Treasury on the FBAR form.

Put simply, the new rules require that if you have overseas accounts worth more than $100,000 if you’re married filing jointly, or $50,000 if single, you must report those assets on the new Form 8938 and attach that to your tax return. And the new rules encompass more types of financial assets than the FBAR.

“This was actually passed to, in essence, catch a bigger potential group of taxpayers,” said Ryan Losi, a certified public accountant and partner in charge of the international practice at Piascik & Associates in Richmond, Va. “They want to expand the web of reporting.”

The failure-to-file penalty for this new form starts at $10,000 and can rise to as high as $50,000 for people who fail to come into compliance, Losi said. The rules are complex and more detailed than described here, so find a tax professional with expertise in this area. Read more about FATCA on this IRS.gov page.Also see "Do I need to file Form 8938?" on IRS.gov. See this IRS page for more on when and where to file the FBAR.

Cost-basis confusion
Investors reporting their capital gains and losses face new reporting requirements this year. And your broker must also report your cost basis to the IRS. The goal of the new rules is to make sure taxpayers pay their capital-gains taxes, and this way the IRS will be able to compare and contrast your claims to your broker’s.

The new rules phase in over three years, so brokers are required to report cost basis on only a limited number of stock-sale transactions for the 2011 tax year. As part of the changes, the IRS now requires that investors fill out a new form, Form 8949, and Schedule D has been revised. And that new form is not easy to decipher.

Surprise tax hit on inherited assets
Speaking of capital gains, people who inherited assets from someone who died in 2010 may find themselves with a bigger-than-expected tax bill, Luscombe said. In 2010, when reporting the cost basis of assets, estates could opt for the usual stepped-up basis; that is, the asset’s value at the time of death. (That date-of-death cost basis is then subtracted from the sale price to calculate a capital gain or loss.)

Or estates could opt out of the estate-tax rules and go with rules that used carryover basis — that is, put simply, the price the decedent paid for the asset. That means a much higher tax bill, potentially, than a date-of-death basis; if, say, the person purchased the asset decades earlier the cost likely was much lower. raditionally, if heirs sold the assets soon, Luscombe said, “they’d have limited gain because they have a basis for date-of-death value.

“But because of the way 2010 was handled, with people being able to elect to not be subject to the estate tax and therefore subject to carryover basis,” he said, “the heir could be subject to a very significant gain on the sale of the inherited asset.” deaths, executors soon will send out Form 8939 noting the basis, Luscombe said. Some taxpayers may be surprised how low that basis is — and how much capital-gains tax they owe.

Also, that cost-basis figure noted on Form 8939 might not be enough to satisfy the IRS if you get audited. Heirs “might want to go back to the executor and get any support the executor has for determining that basis so if they get audited they’ll have that to show the IRS,” Luscombe said.

Payments due
Remember that IRA-to-Roth conversion you did back in 2010? Taxpayers had the option then of spreading out their income-tax hit over 2011 and 2012. Time’s up, at least for the first half of that bill. It’s a similar story for anyone who took a 2008 home-buyer tax credit, which was really an interest-free loan rather than a credit. Taxpayers had to start paying back that loan in 2010 (15 equal payments over 15 years).

This year, at least, those home buyers don’t have to fill out Form 5405 again, as long as you filled it out last year and your situation hasn’t changed. (Generally, that means you still own the home and it’s your main residence.) There’s a new line on Form 1040 to report your loan payment: Line 59b.

Energy efficient home improvements
Making your home more green with energy efficient windows and appliances used to pay off at tax time — as much as $1,500. But that tax credit shrank considerably in 2011. In 2011, the maximum credit for eligible projects is $500 — and that’s essentially a lifetime total. If you tapped the credit in previous years, “you may not have anything left to take in 2011,” Jeanguenat, the enrolled agent, said. “I don’t think people generally are aware that this was a cumulative credit.”

Until 2016, there is still a separate tax credit in effect for bigger-ticket home-improvement projects, such as installing solar panels, wind turbines or geothermal heat pumps. Homeowners can reap up to 30% of their materials and installation costs back at tax time — and there’s no dollar limit on the credit.

By Andrea Coombes MarketWatch – Fri, Jan 27, 2012 3:47 PM EST

What the Top 1% of Earners Majored In

2012-01-29T11:12:00.000-05:00

We got an interesting question from an academic adviser at a Texas university: could we tell what the top 1 percent of earners majored in?

The writer, sly dog, was probably trying to make a point, because he wrote from a biology department, and it turns out that biology majors make up nearly 7 percent of college graduates who live in households in the top 1 percent.

According to the Census Bureau's 2010 American Community Survey, the majors that give you the best chance of reaching the 1 percent are pre-med, economics, biochemistry, zoology and, yes, biology, in that order.

Below is a chart showing the majors most likely to get into the 1 percent (excluding majors held by fewer than 50,000 people in 2010 census data). The third column shows the percentage of degree holders with that major who make it into the 1 percent. The fourth column shows the percent of the 1 percent (among college grads) that hold that major. In other words, more than one in 10 people with a pre-med degree make it into the 1 percent, and about 1 in 100 of the 1 percenters with degrees majored in pre-med.

Of course, choice of major is not the only way to increase your chances of reaching the 1 percent, if that is your goal. There is also the sector you choose.

A separate analysis of census data on occupations showed that one in eight lawyers, for example, are in the 1 percent -- unless they work for a Wall Street firm, when their chances increase to one in three. Among chief executives, fewer than one in five rank among the 1 percent, but their chances increase if the company produces medical supplies (one in four) or drugs (two in five). Hollywood writers? One in nine are 1 percenters. Television or radio writers? One in 14. Newspaper writers and editors? One in 62.

Undergraduate Degree /   Total / % Who Are 1 Percenters /   Share of All 1 Percenters

Health and Medical Preparatory Programs     142,345     11.8%     0.9%

Economics      1,237,863     8.2%      5.4%

Biochemical Sciences      193,769     7.2%     0.7%

Zoology      159,935      6.9%      0.6%

Biology      1,864,666      6.7%     6.6%

International Relations      146,781      6.7%      0.5%

Political Science and Government     1,427,224     6.2%      4.7%

Physiology     98,181      6.0%      0.3%

Art History and Criticism      137,357     5.9%      0.4%

Chemistry      780,783     5.7%      2.4%

Molecular Biology     64,951      5.6%      0.2%

Area, Ethnic and Civilization Studies      184,906      5.2%      0.5%

Finance      1,071,812      4.8%      2.7%

History      1,351,368      4.7%      3.3%

Business Economics      108,146     4.6%      0.3%

Miscellaneous Psychology      61,257      4.3%      0.1%

Philosophy and Religious Studies      448,095      4.3%      1.0%

Microbiology      147,954      4.2%      0.3%

Chemical Engineering      347,959      4.1%      0.8%

Physics      346,455      4.1%      0.7%

Pharmacy, Pharmaceutical Sciences and Administration      334,016      3.9%      0.7%

Accounting     2,296,601     3.9%      4.7%

Mathematics     840,137      3.9%      1.7%

English Language and Literature      1,938,988      3.8%      3.8%

Miscellaneous Biology     52,895      3.7%      0.1%

..

7 Ways to Score Free Stuff

2012-01-28T09:37:00.000-05:00

We've explored the world of freebies a couple times on Financially Fit from free vacations, to free yoga, to free cell phones. And yes, there's more! Here's another round up of totally free offerings that can potentially help you save you thousands of dollars a year.

Free Media, Language Classes & Children's Events
What magical place houses all of the aforementioned freebies? The library, of course! When was the last time you visited yours? These days, the library has become the best destination for free content, but also free classes, ebooks, family events and WiFi. Likewise, your local YMCA or college may offer a variety of free classes to members.

Online Courses
"You can learn anything in the world online for free from the frivolous to the serious," says Jody Rholena, senior editor at Consumer Report's ShopSmart Mag. She recommends AcademicEarth.org if you want to tap into lectures from Ivy League professors on anything from art to architecture. There, you can even take courses for free. Meantime, if you want to learn every day fun skills like how to play charades to juggle, check out HowCast.com.

Free Pantry and Medicine Cabinet Goods
Retailers often give away free samples of their latest products, hoping you'll try it, love and buy it. Online freebie directories include ThunderFap, TotallyFreeStuff and AbsurdlyCool offer things like free floss, vitamins, coupons and from fee samples of medicine cabinet items, coupons and even some groceries. The catch is that you have to register with these sites and, at the least, provide your email address. "Getting the freebie here does come with some strings. You get the product; [retailers] get your information," says Rholena. Her advice: If you're signing up for any of these free product giveaways, set up a special email account to help keep all that information separate from your personal account. Also read through the company's privacy policy. "I know they're long but take a quick scan through there and just make sure that you're giving your information to a legitimate organization," she says.

Free Cosmetics
Walk into any Sephora store within 14 days of your birthday and receive a free gift - usually a sample size of the store's latest product -- when you show your Beauty Insider Card, which is Sephora's free rewards card.

Free Meals
Find free meal deals for the family at sites like HeyIt'sFree.net and if it's your birthday, check out EatFreeOnYourBirthday.com for a list of restaurants offering giveaways on your special day. For example, I learned that if I join the Birthday Club at Baskin Robbins, I can get a free 2.5 oz scoop of ice cream on my birthday. Parents note: some participating Chili's restaurants offer a "Kids Eat Free" promotion on Tuesday evenings with the purchase of one adult entrée, birthday or not!

Free Odds and Ends
For free household items such as used paint, furniture, TVs and maybe even kayaks, check out the neighborhood giveaway site Freecycle.org, where you can also post for free things you want. Score even more free household stuff by hosting a party for a sponsor. Sign up at HouseParty.com to receive a hosting package full of products, cooking tools and party decorations.

Swap for Freebies
Bookmooch.com is a great place to trade old books for new ones and maybe score free college text books.Swapstyle.com is a free fashion site where you can swap clothes and accessories with its growing community of 47,000 members.

By Farnoosh Torabi, Yahoo! Finance

Financially Fit – Thu, Jan 26, 2012 1:55 PM EST

Bus-sized asteroid to pass by Earth

2012-01-27T09:50:00.000-05:00

A small asteroid will make an extremely close pass by Earth Friday (Jan. 27), coming much nearer than the moon, but the space rock poses no danger of impacting our planet, NASA scientists say.

The newfound asteroid 2012 BX34, which is about the size of a city bus, will pass within 36,750 miles (59,044 kilometers) of Earth at about 10:30 a.m. EST (1530 GMT) Friday, astronomers with NASA's Asteroid Watch program announced via Twitter.

The space rock is about 36 feet (11 meters) wide, making it much too small to pose a threat to Earth.
"It wouldn't get through our atmosphere intact even if it dared to try," Asteroid Watch scientists tweeted today (Jan. 26). Asteroid Watch is based at NASA's Jet Propulsion Laboratory in Pasadena, Calif.

Asteroid 2012 BX34 will zip by at a distance about 0.17 times that separating Earth and the moon. The moon orbits Earth at an average distance of about 240,000 miles (386,000 km). [Video and image of asteroid 2012 BX34's orbit]

While the near-Earth asteroid won't hit Earth, it may offer seasoned amateur astronomers a great show — if they are in the right viewing location and have good equipment. "Advanced amateur astronomers might be able to observe the flyby as the asteroid brightens to 14th magnitude just before closest approach on Friday," the website Spaceweather.com reported today.

In astronomers' classification system, higher magnitudes correspond to dimmer objects. The full moon, for example, has a magnitude around -12.75. A magnitude of +14 would put 2012 BX34 roughly on par with the maximum brightness of the distant dwarf planet Pluto.

NASA scientists and other astronomer teams regularly monitor the skies in search of asteroids that could pose a danger to Earth. Experts estimate that asteroids measuring about 460 feet (140 m) across can cause widespread destruction near their impact sites, but they'd need to be even larger to cause devastation on a global scale.

Last September, NASA announced that it had catalogued about 90 percent of the largest asteroids whose orbits bring them near Earth — a major goal set by Congress in 1998. Using NASA's recent WISE asteroid-mapping mission as a guide, scientists estimate that there are about 981 near-Earth asteroids the size of a mountain or larger. About 911 of those space rocks have been spotted, WISE mission scientists said.

Finding and mapping the orbits of such potentially hazardous space rocks is a task crucial to the long-term survival of our species, many scientists say. Throughout history, asteroids big enough to cause major damage and disruption to the global economy and society (were they to strike a populated area today) have hit Earth, on average, every 200 or 300 years, according to former astronaut Rusty Schweickart.

Schweickart chairs the B612 Foundation, a group dedicated to predicting and preventing cataclysmic asteroid impacts on Earth. The group's chief message is that humanity's survival will someday depend on our ability to deflect a killer asteroid away from Earth.

The dinosaurs possessed no such technology, of course, and a catastrophic impact wiped them out — along with many other plant and animal species — 65 million years ago

2012-01-24T10:39:00.000-05:00

WASHINGTON (AP) — The sun is bombarding Earth with radiation from the biggest solar storm in more than six years with more to come from the fast-moving eruption.

The solar flare occurred at about 11 p.m. EST Sunday and will hit Earth with three different effects at three different times. The biggest issue is radiation, according to the National Oceanic and Atmospheric Administration's Space Weather Prediction Center in Colorado.

The radiation is mostly a concern for satellite disruptions and astronauts in space. It can cause communication problems for polar-traveling airplanes, said space weather center physicist Doug Biesecker.

Radiation from Sunday's flare arrived at Earth an hour later and will likely continue through Wednesday. Levels are considered strong but other storms have been more severe. There are two higher levels of radiation on NOAA's storm scale — severe and extreme — Biesecker said. Still, this storm is the strongest for radiation since May 2005.

The radiation — in the form of protons — came flying out of the sun at 93 million miles per hour.
"The whole volume of space between here and Jupiter is just filled with protons and you just don't get rid of them like that," Biesecker said. That's why the effects will stick around for a couple days.

NASA's flight surgeons and solar experts examined the solar flare's expected effects and decided that the six astronauts on the International Space Station do not have to do anything to protect themselves from the radiation, spokesman Rob Navias said.

A solar eruption is followed by a one-two-three punch, said Antti Pulkkinen, a physicist at NASA's Goddard Space Flight Center in Maryland and Catholic University.

First comes electromagnetic radiation, followed by radiation in the form of protons.
Then, finally the coronal mass ejection — that's the plasma from the sun itself — hits. Usually that travels at about 1 or 2 million miles per hour, but this storm is particularly speedy and is shooting out at 4 million miles per hour, Biesecker said.

It's the plasma that causes much of the noticeable problems on Earth, such as electrical grid outages. In 1989, a solar storm caused a massive blackout in Quebec. It can also pull the northern lights further south.

But this coronal mass ejection seems likely to be only moderate, with a chance for becoming strong, Biesecker said. The worst of the storm is likely to go north of Earth.

And unlike last October, when a freak solar storm caused auroras to be seen as far south as Alabama, the northern lights aren't likely to dip too far south this time, Biesecker said. Parts of New England, upstate New York, northern Michigan, Montana and the Pacific Northwest could see an aurora but not until Tuesday evening, he said.

For the past several years the sun had been quiet, almost too quiet. Part of that was the normal calm part of the sun's 11-year cycle of activity. Last year, scientists started to speculate that the sun was going into an unusually quiet cycle that seems to happen maybe once a century or so.

Now that super-quiet cycle doesn't seem as likely, Biesecker said.
Scientists watching the sun with a new NASA satellite launched in 2010 — during the sun's quiet period — are excited. "We haven't had anything like this for a number of years," Pulkkinen said. "It's kind of special."

NOAA's Space Weather Prediction Center: http://www.swpc.noaa.gov/
NASA's Solar Dynamics Observatory: http://sdo.gsfc.nasa.gov/

2012-01-23T11:34:00.000-05:00

12 Things to Keep in a Safe at Home, Not at a Bank

2012-01-20T10:15:00.000-05:00

Many folks believe that the safest place to store valuable items is in a bank safe deposit box. After all, banks have the best 24 hour security and alarm systems. But the contents of a safe deposit box are rarely insured, while items in your home are typically covered by your homeowner's or renter's insurance policy.

Also, don't think your cash in a safe deposit box is covered under FDIC insurance. The FDIC only insures the deposits in accounts held in banks, but not the contents of their safe deposit boxes. Finally, it's not a good idea to store original copies of documents that you require immediate access to, such as passports, spare keys, wills, funerary directives, etc. in a safe deposit box. Bank safe deposit boxes are only accessible during branch operating hours and the boxes are typically sealed when the bank receives a death notice. To open a sealed safe deposit box, estate representatives are required to provide court papers to the bank.
For these reasons it's good idea to buy a fireproof safe in your home. What should you keep in it? Here are a dozen suggestions:

1. Property insurance policies and agent contact information. You'll need this information right away if your house suffers damage and you need to know how to file a claim.

2. Passports and original birth certificates. These can be a hassle to replace and will come in handy to establish identity when traveling with children.

3. A list of family doctors, prescription medications, and contact information for all pharmacies you use. You may need these to get new supplies of medications you use on a regular basis.

4. CDs or an external hard drive containing digital copies of all family photos. It's a good idea to scan all older family photos and keep a digital copy of them as well. Your family memories in photographs are irreplaceable.

5. Safe deposit box keys. If you store valuables in a bank safe deposit box, you'll want to make sure you keep the keys to it in a safe place.

6. Important papers related to investments, retirement plans, bank accounts, and associated contact information. You may also want to keep some cash on hand for ready access in an emergency.

7. Information on your outstanding debts, due dates, and contact information. It's important to keep tabs on your finances and protect your credit, in the event you're displaced by a fire.

8. Original Social Security cards. These can take time to replace and may be needed to establish eligibility for benefits.
9. Copies of your important legal documents, including powers of attorney, living wills, and health care proxies — both for yourself and for anyone else for whom you are designated attorney-in-fact or health care surrogate. Having access to these can help ensure the protection they were created to provide.
10. Copy of wills and all wills in which you are designated the executor. It's important to have access to these as safe deposit boxes are typically sealed upon notification of the box owner's death.

11. Valuables: Jewelry, coins, cash, etc. that you may want access to from time to time.

12. Spare Keys and titles to all vehicles. It helps to know where copies are in the case that you need them.

Of course, exactly what you choose to store in your fireproof safe will depend on your personal circumstances and the size and location of the safe.

Ray Martin Wednesday, January 18, 2012

Why worry about making it up to the office to pay on time when you can do it instantly online?!?

2012-01-19T10:28:00.000-05:00

Study: Junk food doesn’t cause obesity in middle schools

2012-01-18T09:11:00.000-05:00

A new study of nearly 20,000 middle schoolers has found that kids who attend schools that sell junk food such as soda and doughnuts do not gain more weight than students who attend schools where that type of food isn't available.

The study, published in this month's issue of Sociology of Education, contradicts earlier research with smaller sample sizes that showed the availability of junk food correlated with rates of childhood obesity. The new study's author, Pennsylvania State Professor Jennifer Hook, said in a statement that the results surprised her. Hook hypothesizes that kids don't actually have that much time to eat at school, so their out-of-school eating habits are a more important factor in determining their weight. "Children's environments at home and in their communities may provide so many opportunities to eat unhealthy foods that competitive food sales in schools have little influence on children's weight," she writes. Eating habits are set very early, so efforts to encourage healthy food choices should start before middle school, Hook adds.

The study found that most middle schools sell junk food, and schools with a high percentage of poor children were more likely to have junk food for sale than schools without a large disadvantaged population. Five years ago, the American Beverage Association said it would stop selling sugary sodas in public schools in response to growing public concern over childhood obesity. In states like California that have cracked down on junk food in schools, vending machines now offer fresh fruit and water, the Chicago Tribune reported. This study calls into question the effectiveness of such changes, Hook writes.
The study did not evaluate the healthiness of government-subsidized school lunches or breakfasts, which may soon face new, stricter standards mandating more servings of vegetables. Nearly 20 percent of American children age 6 to 11 are obese and the share of overweight and obese children has quadrupled in only 25 years, according to the National Center for Health Statistics.

By Liz Goodwin The Lookout

Realtors ~ Why not make your job easier and get a little extra cash while you work?

2012-01-17T12:46:00.000-05:00

NC Could See Heated Presidential Race

2012-01-17T09:24:00.000-05:00

Raleigh, N.C. — Even though the presidential election is months away, a political ad attacking President Barack Obama is already running on North Carolina airwaves.

The minute-long ad, "Obama Sacrifices Pawns for Politics," is part of a $1 million statewide campaign by Americans for Prosperity, which started running the ad Monday and is expected to run it up until the president's State of the Union address next week.

Gary Pearce, a Democratic political consultant, said it's likely the first of such ads by independent, or third-party groups, that will run in the state over the next 10 months since North Carolina will be key in determining the next president.

"Get used to it. We're a battleground state," Pearce said.

The ads are already playing a role in the Republican race for the White House.

In Iowa, New Hampshire and now, South Carolina, independent groups are dominating the airwaves with little to no regulation and oversight as to the accuracy of the ads.

In Iowa, former House Speaker Newt Gingrich was knocked out as being one of the top presidential contenders once a so-called Super PAC ran an ad supporting former Massachusetts Gov. Mitt Romney.

"They're playing a huge role in South Carolina," Pearce said. "They're going to play a role here. They're here to stay."

Dallas Woodhouse, state president of Americans for Prosperity, agrees.

"There is going to be a long election cycle where there are lots of voices talking about lots of things," he said.

That number of voices is expected to only grow.

"As much political speech as we can have is good," Woodhouse said.

Best & Worst Food Trends to Watch For

2012-01-16T09:38:00.000-05:00

Many years from now, historians will look back at 2011 and label it The Stupidest Year Ever. From Tweeting Weiners, to the Congress that Couldn’t, to anything involving tigers (Tiger Moms, Tiger Blood, Tiger Woods), the whole year was an exercise in bad judgment and questionable choices. (And yes, it’s okay to ask Kim Kardashian to return your wedding gift.)
With all the nutsiness going on, the really dumb things the food industry did this year might have slipped off your radar. Too bad, because unless you know what’s really happening to your food, you won’t know what’s really happening to your body. And it isn’t pretty.

If you want to make 2012 your leanest year yet (and I know you do!), you should do two things: First, fill your fridge and pantry with healthy options (the all-new Eat This, Not That! Supermarket Survival Guide can help you with thousands of smart food swaps); and second, read on to discover the food trends that will make you fat—or help you get skinny—next year and beyond.

4 Trends That Will Make You Fat!

FAT TREND #1: Food Companies Labeling Everything "Natural"

A 2011 Rodale study found that 28 percent of Americans purchased more natural foods this year. No wonder producers are slapping the “natural” claim on everything they can. Frito Lay, for instance, slapped “all natural” on half its snacks this year. The problem? There are no regulations on the “natural” claim. Case in point: A 2011 Cornucopia Institute study found pesticides and genetically modified organisms (GMOs) in a variety of “natural” cereals. Another downside of “natural” products: They can lead consumers to ignore nutrition labels. Butter, salt, and lard are natural. So are poison ivy, arsenic, and flash floods. Just because it’s natural doesn’t mean it’s good for you

FAT TREND #2: Restaurants Sneaking Extra Fat into Their Food

The next time you see “stuffed” on a menu, think “gobs of molten cheese poised to inflate my waistline.” Consider these debuts: Domino’s Stuffed Cheesy Bread (150 calories per piece), Dunkin' Donuts' Stuffed Breadsticks (200 calories per piece), and Burger King’s limited-release Jalapeno & Cheese Stuffed Steakhouse burger (930 calories with a small order of fries). And that's in addition to the 1,510-calorie Provolone-Stuffed Meatballs with Fettuccine that Applebee's released last year! If these things continue to sell, expect to see more imitators in 2012. As a general rule, if you see “stuffed,” stay away

FAT TREND #3: Menus Calling Meals “Snacks”

Since 2007, food items with snack, snackable, or snacker in their names have increased by 170 percent. Your restaurant may call it a “snack,” but your dietician would call it “dinner.” This year Dunkin’ Donuts debuted a menu of snacks that includes a 400-calorie, cheese-flavored Bagel Twist, and McDonald’s added the Angus Chipotle BBQ Bacon Snack Wrap. That’s a snack with nearly half-day's saturated fat. But snacking done right can be healthy: A recent Nutrition Journal study found that nutritious snacks promote weight loss. The key word here is nutritious. Fruit and nuts are snacks, but a BBQ cheeseburger wrapped up like a burrito? Not so much.

FAT TREND #4: Chains Serving Up Salt-Soaked “Health” Foods

Last January, the USDA released new dietary guidelines, calling for a maximum daily sodium intake of 2,300 mg for some and 1,500 mg for others. Apparently, restaurants missed the memo, because they continue to salt-load their menus—even those special menus advertised as healthy. Half of Ruby Tuesday’s “Fit & Trim” items contain more than 1,000 mg, as do IHOP’s “Simple & Fit” pancake combos. The items on Chili’s’ “Guiltless Grill” menu average 2,175 mg, and Applebee’s’ new Weight Watchers Chipotle Lime Chicken packs a staggering 4,990 mg. Healthy? Hardly.

By David Zinczenko with Matt Goulding Dec 27, 2011

Top 10 Medical Breakthroughs Expected in 2012

2012-01-15T11:41:00.000-05:00

Bionic limbs, a smart mouthguard to monitor athletes for concussions, and genetically modified mosquitoes designed to reduce disease are among the Top 10 Medical Innovations for 2012 selected by a panel of Cleveland Clinic doctors and scientists during its annual Medical Innovation Summit.

Here’s a look at the amazing therapies and game-changing technologies expected to dramatically reshape healthcare—and save lives—this year:

#10. Genetically Modified Mosquitoes
Mosquito-borne diseases, such as malaria, dengue, and West Nile, kill more people than any other disease, and infect more than 700 million people. As a new tactic to fight these diseases, 3 million genetically modified sterile male mosquitoes were released in the Caymans in 2010 to mate with wild female mosquitoes, resulting in an 80 percent population drop. In the future, scientists hope to create mosquitoes with a new genetic trait that prevents malaria transmission.

#9. A Paradigm Shift in Diabetes Treatment

Twenty-six million Americans have diabetes and 79 million have prediabetes. A new class of drugs awaiting FDA approval called SGLT2 inhibitors works in a totally new way. Instead of affecting the supply or use of insulin, as most current drugs do, the new drugs lower blood sugar by causing sugar to be excreted in urine. The resulting loss of calories helps diabetics, who tend to be overweight, lose weight.

#8. Harnessing Big Data to Improve Healthcare

Ninety percent of all data in the world was created in the past two years, with a mind-boggling 2.5 quintillion bytes created every day. Innovative companies are starting to mine the mother lode of medical data to curb medical mistakes, waste and unnecessary treatments, lower healthcare costs, aid drug development, and facilitate tracking patients’ outcomes.

#7. Wearable Robotic Devices
Below-the-knee prostheses used to work like a crutch or cane. Now, thanks to a high-tech quantum leap, they allow America’s 400,000 to 1 million amputees to easily walk without stress, climb stairs and even compete in high-level sports. The world’s first computerized bionic leg mimics a real leg, using precision robotics previously only available to wounded soldiers.

#6. Implant to Treat Complex Brain Aneurysms
Brain aneurysms—ballooning sections of blood vessels—affect up to one in 15 Americans during a lifetime and can lead to a stroke or death. While surgery can treat small brain aneurysms, it doesn’t work for large, complex ones—the most dangerous type. Now an FDA-approved device can be snaked through blood vessels without brain surgery to choke off blood flow to large or giant aneurysms, with a 70 percent success rate.

#5. Next-Generation Gene Sequencing

It took 13 years and $2.7 billion to sequence the human genome for the first time. Now a $50,000 machine the size of computer printer can read 10 million letters of genetic code in just two hours, putting warp-speed technology that gets at the root cause of many serious diseases within reach of almost every hospital. In a few years, next-generation gene sequencing machines will be able to map an entire gene in 15 minutes, for $1,000.

#4. Medical Apps for Mobile Devices

Among the thousands of mobile apps for doctors and patients are software to check blood pressure, monitor blood sugar levels, and track heart rate. More sophisticated devices can help diagnose such disorders as sleep apnea, detect seizures, and automatically score cognitive testing results. MDs can also monitor high-risk patients remotely.

#3. A Smart Mouth Guard to Check Athletes for Concussions
Nearly four million sports-related concussions occur each year, and if athletes return to the game too soon, the results can be deadly. The new Concussion Management system has two components. Before the season, athletes take baseline tests of mental and motor skills. During play, a computerized mouthguard records all hits to the head via Bluetooth technology. If a traumatic brain injury is detected, the player is retested, then the system provides advice about when it’s safe to return to play.

#2. CT Scans for Early Detection of Lung Cancer

Lung cancer is the top cancer killer of both men and women, largely because it doesn’t cause symptoms in the early stages and doctors have lacked an effective screening test. A groundbreaking study of more than 53,000 current and former heavy smokers found 20 percent fewer lung cancer deaths in those screened with low-dose spiral CT scans, compared to chest X-rays--the first study to show that early detection can save lives.

#1. A Breakthrough in Blood Pressure Control
Nearly one in three Americans has high blood pressure, which raises the risk for heart attacks and strokes. Up to 30 percent of these patients don’t respond to standard therapies. Now there’s finally a way to help these people—without drugs. Catheter-based renal denervation is a new 40-minute procedure that involves zapping nerves in the kidney with low-power radio waves, using a tiny probe snaked through blood vessels.
In the first randomized study, 39 percent of patients who received the procedure achieved their blood pressure target, and 50 percent showed measurable improvement.

By Lisa Collier Cool Jan 05, 2012

10 Surprising Health Benefits of Beer

2012-01-14T09:53:00.000-05:00

For years, wine drinkers have indulged without guilt, reveling in the news that red wine can help protect against heart disease. Recent research shows that beer can also be good for what ails you, from reducing risk for broken bones to helping warding off diabetes and mental decline. It can even increase longevity, a large study suggests.

However, the key to tapping into beer’s benefits is moderation, meaning just one 12-ounce beer per day for women and two for men. Heavy drinking ups the threat of liver damage, some cancers, and heart problems. Bingeing on brewskis can also make you fat, since a 12-ounce regular beer has about 150 calories, while light beer has about 100.

1. Stronger Bones

Beer contains high levels of silicon, which is linked to bone health. In a 2009 study at Tufts University and other centers, older men and women who swigged one or two drinks daily had higher bone density, with the greatest benefits found in those who favored beer or wine. However, downing more than two drinks was linked to increased risk for fractures.

For the best bone-building benefits, reach for pale ale, since a 2010 study of 100 types of beer from around the word identified these brews as richest in silicon, while light lagers and non-alcoholic beers contained the least.

2. A Stronger Heart

A 2011 analysis of 16 earlier studies involving more than 200,000 people, conducted by researchers at Italy’s Fondazion di Ricerca e Cura, found a 31 percent reduced risk of heart disease in those who quaffed about a pint of beer daily, while risk surged in those who guzzled higher amounts of alcohol, whether beer, wine, or spirits.

More than 100 studies also show that moderate drinking trims risk of heart attacks and dying from cardiovascular disease by 25 to 40 percent, Harvard reports. A beer or two a day can help raise levels of HDL, the “good” cholesterol that helps keep arteries from getting clogged.

3. Healthier Kidneys
A study in Finland singled out beer among other alcoholic drinks, finding that each bottle of beer men drank daily lowered their risk of developing kidney stones by 40 percent. One theory is that beer’s high water content helped keep kidneys working, since dehydration increases kidney stone risk.
It’s also possible that the hops in beer help curb leeching of calcium from bones; that “lost” calcium also could end up in the kidneys as stones.

4. Boosting Brain Health
A beer a day may help keep Alzheimer’s disease and other dementia at bay, researchers say.
A 2005 study tracking the health of 11,000 older women showed that moderate drinkers (those who consumed about one drink a day) lowered their risk of mental decline by as much as 20 percent, compared to non-drinkers. In addition, older women who downed a drink a day scored as about 18 months “younger,” on average, on tests of mental skills than the non-drinkers.

5. Reduced Cancer Risk

A Portuguese study found that marinating steak in beer eliminates almost 70 percent of the carcinogens, called heterocyclic amines (HCAs) produced when the meat is pan-fried. Researchers theorize that beer’s sugars help block HCAs from forming. Scientists also have found that beer and wine contain about the same levels of antioxidants, but the antioxidants are different because the flavonoids found in hops and grapes are different.

6. Boosting Vitamin Levels
A Dutch study, performed at the TNO Nutrition and Food Research Institute, found that beer-drinking participants had 30 percent higher levels of vitamin B6 levels in their blood than their non-drinking counterparts, and twice as much as wine drinkers. Beer also contains vitamin B12 and folic acid.

7. Guarding Against Stroke
Researchers at the Harvard School of Public Health found that moderate amounts of alcohol, including beer, help prevent blood clots that block blood flow to the heart, neck and brain—the clots that cause ischemic stroke, the most common type.

8. Reduced Risk for Diabetes

Drink up: A 2011 Harvard study of about 38,000 middle-aged men found that when those who only drank occasionally raised their alcohol intake to one to two beers or other drinks daily, their risk of developing type 2 diabetes dropped by 25 percent. The researchers found no benefit to quaffing more than two drinks. The researchers found that alcohol increases insulin sensitivity, thus helping protect against diabetes.

9. Lower Blood Pressure
Wine is fine for your heart, but beer may be even better: A Harvard study of 70,000 women ages 25 to 40 found that moderate beer drinkers were less likely to develop high blood pressure—a major risk factor for heart attack—than women who sipped wine or spirits.

10. Longer Life
In a 2005 review of 50 studies, the U.S. Department of Agriculture (USDA) reported that moderate drinkers live longer. The USDA also estimates that moderate drinking prevents about 26,000 deaths a year, due to lower rates of heart disease, stroke, and diabetes. These benefits appear to apply in other countries as well, with an earlier study reporting that, “if European beer drinkers stopped imbibing, there would be a decrease in life expectancy of two years—and much unhappiness.”

By Lisa Collier Cool Jan 09, 2012

Outrage over 'human zoo' on Indian islands

2012-01-11T10:23:00.000-05:00

Rights campaigners and politicians Wednesday condemned a video showing women from a protected and primitive tribe dancing for tourists in exchange for food on India's far-flung Andaman Islands.

British newspaper The Observer released the video showing Jarawa tribal women -- some of them naked -- being lured to dance and sing after a bribe was allegedly paid to a policeman to produce them.

Under Indian laws designed to protect ancient tribal groups susceptible to outside influence and disease, photographing or coming into contact with the Jarawa is illegal.

The tribe, thought to have been among the first people to migrate successfully from Africa to Asia, lives a nomadic existence in the lush, tropical forests of the Andamans in the Bay of Bengal.

India's Tribal Affairs Minister V. Kishore Chandra Deo promised to take action over the incident, terming it "disgusting" on Wednesday, and the home ministry has sought a report.

Survival International, which lobbies on behalf of tribal groups worldwide, said the video showed tourists apparently enjoying "human zoos."

"Quite clearly, some people's attitudes towards tribal peoples haven't moved on a jot. The Jarawa are not circus ponies bound to dance at anyone's bidding," said Stephen Corry, the group's director, in a press release.

In June last year, Survival International accused eight Indian travel companies of running "human safari tours" so tourists could see and photograph the Jarawa.

The London-based lobby group called for tourists to boycott the road used to enter the reserve of the Jarawa tribe, who number just 403 and are in danger of dying out.

The Andaman and Nicobar tropical island chain is home to four other rare tribes -- Onge, the Great Andamanese, the Sentinelese and the Shompens, each numbering fewer than 350 members.

Another tribe called Bo died out in January 2010. The Andaman police downplayed the video, calling it "old" and blamed the British journalist for forcing the Jarawas to dance for the tourists.

"It is obvious that it is the videographer who is breaking the law of the land and who is inciting the tribals to dance," senior Andaman policeman S.B. Deol said in a statement.

The video can be viewed at http://www.guardian.co.uk/world/video/2012/jan/07/andaman-islanders-human-safari-video

5 Trips That Will Change Your Life

2012-01-09T09:15:00.000-05:00

Most New Year’s Resolutions don’t last. So maybe instead of “going to the gym” or “reading a few more classics” you should put something completely new and life-altering on your list–a resolution that’s easy to keep because you’ll want to keep it. Something like “treat yourself to the trip of a lifetime.”
From rafting the Grand Canyon to trekking in the Himalayas, the world is filled with true once-in-a-lifetime adventures and destinations. Some are expensive, some are moderate, others can be surprisingly affordable, but all will pay you back with experiences you’ll treasure the rest of your life.

Raft the Grand Canyon
Few adventures earn the moniker “Trip of a lifetime” as regularly as a whitewater descent of the Grand Canyon, America’s most famous natural landmark. Ironically, millions of people go to see the Canyon each year, but few really see much more than an broad overview – to appreciate the Canyon you have to go into it, and that means getting on the Colorado River. This trip is especially popular with families and offers plenty of “unplugged” time, resulting in an unforgettable and often life-changing experience for all ages. Spend your adrenaline-filled days enjoying the exhilaration of the rapids, while nights mean camping under the ultra-clear skies and swapping stories around the campfire. Arizona River Runners has operated since 1970 as an authorized concessioner of Grand Canyon National Park, and its seasoned staff takes hundreds of travelers through the Canyon each year, offering a variety of experiences, from 3-day samplers to 15-day descents of the entire 225-mile Canyon. From $1,175 to $3,195 for the 15-day trip.

Easter Island, Chile
No one knows for sure why an ancient people built the towering statues known as Moai, why they eventually turned on the Moai and tried to destroy them, or why their entire civilization became extinct. But the history they left behind is simply awe inspiring, with hundreds of Moai all over the remote island, and other amazing sights like the ”factory” quarry where they were made – abandoned in the middle of frantic construction, plus elaborate stone carvings, caves, and a perfect volcanic crater filled with an iridescent lake. Easter Island is the remotest community on earth – the inhabited place furthest from any other inhabited place – yet it is relatively easy to get to on daily LAN Chile flights from Santiago, also a wonderful tourist destination. The Posada de Mike Rapu lodge is easily the island’s best, an environmentally-friendly resort from Chile’s award-winning Explora eco-tourism company. The lodge has the best guides and a vast schedule of more than 15 excursions allowing you to explore Easter Island on foot, bike, or even by boat. All inclusive rates with all meals and tours run $7-800 per day, much less for those under 18.

Tiger Safari By Chartered Plane
There are few places on earth where you can see tigers in the wild, the biggest of all cats, and to many observers the most beautiful, and India is probably the top destination. Terra Incognita Ecotours offers a trip that any tiger enthusiast will leap at: what is known in the industry as ‘winged’ safari uses private charter flights to visit two of the world’s top tiger sites. Travelers will tour Corbett National Park, the only park in India where visitors can actually stay inside the park boundaries and the only one that allows walking in certain areas. Corbett currently has the highest density of tigers in the wild on earth. You’ll fly to Bandhavgarh National Park, with another very high concentration of tigers, containing the jungles described in Rudyard Kipling’s Jungle Book. This 11-day India tour also gives travelers an opportunity to explore the parks’ historic sites including carvings, temples, and a fort, while the planes eliminate long and uncomfortable drives, with the bonus of amazing views of India from the sky. There is also a tour of the historic sites and points of interest in Delhi, gourmet Indian cuisine, and a unique elephant-back safari. Terra Incognita Ecotours donates a portion of the proceeds to the World Wildlife Fund in India. $8,249.

Explore Antarctica
It was one hundred years ago this month that Norwegian explorer Roald Amundsen became the first man to reach 90 Degrees South - the South Pole. While early Antarctic explorers risked life and limb to reach this Holy Grail by wooden ship and on foot, you can take the same trip by plane. Polar Explorers, which has guided polar explorations for nearly 20 years, has made it their mission to make the planet’s poles more accessible. The company provides a variety of tour options, from a straightforward fly in to the Pole experience (with plenty of sightseeing along the way) to a trip that lets you cross country ski the last 20 kilometers (13.4 miles) to a full on, 60 day ski recreation of the original Norwegian expedition. This is a highly professional company that maintains fuel caches on the ice and since they began in 1993, Polar Explorers has maintained an impeccable safety record – no client has ever suffered a serious injury or even severe frostbite. Weeklong packages run around $40,000.

Trekking in Bhutan
The Land of the Thunder Dragon, Bhutan is the only Buddhist kingdom on earth, and a country that measures its success not by GNP, but by its national “happiness” quotient. It also intentionally limits tourism so as to not be despoiled, and is one of the only countries with minimum spending rules to acquire a visa, and usually requires that all travel arrangements be pre-booked and pre-paid before letting anyone in. Once you get there, stunning monasteries carved into high mountains await, as well as some of the tallest and most imposing mountains on earth, the Himalayas. It is not an easy trip to plan on your own, which is where experiential tour operator Myths and Mountains comes in. Their new 12-day trek is not a cushy luxury trip, but rather a high-altitude hiking adventure and a cultural adventure, since guests spend their nights camping in tents or staying in the homes of local villagers, including the semi-nomadic Merak people, who hold deep animist beliefs and make their living herding sheep. They also offer trips across Bhutan by vintage motorcycle, volunteerism trips paired with charitable groups, and much more. From $4,195.

By Larry Olmsted

Forbes – Thu, Jan 5, 2012 1:06 PM EST

Wine & Cheese Event TONIGHT starting at 7PM!!!!!!

2012-01-05T10:09:00.000-05:00

Stop by the leasing office tonight for some FREE WINE, CHEESE AND CRACKERS!
-Mingle with your fellow residents
-enjoy the taste of various wines and cheeses
-participate in fun 2011 based trivia and win prices
-tell us your New Years Resolution and you could win another prize
Stop by for a while or just for a bit, but either way we guarantee you will have a great time so we hope to see you tonight!

Working Mothers Are Healthier (STUDY)

2012-01-04T11:47:00.000-05:00

Moms who work at least part time are healthier and happier than those who decide to stay home with their babies, a new study suggests.

According to the study, "Mothers' part-time employment: Associations with mother and family well-being" (which was published recently in the American Psychological Association's "Journal of Family Psychology"), being employed has multiple benefits for moms -- and for their families. After interviewing hundreds of mothers repeatedly over the course of a decade, the researchers found that those who worked 32 hours per week or less were more sensitive to their kids' needs, less likely to have symptoms of depression, and more likely to split household duties with their spouses than mothers who were not employed. And, the researchers found, even going to full-time status didn't adversely affect working moms' well-being.

"In all cases with significant differences in maternal well-being, such as conflict between work and family or parenting, the comparison favored part-time work over full-time or not working," the study's lead author, Cheryl Buehler, professor of human development and family studies at the University of North Carolina at Greensboro, said in a statement. "However, in many cases the well-being of moms working part time was no different from moms working full time."

The researchers interviewed 1,364 moms with 1-month-old infants in 1991, and then observed the women and their kids for the next 10 years, checking in on them when the children were 6 months old, 15 months old, 3 years old, 4 and a half years old, and in first, third, and fifth grades. The families -- from Arkansas, California, Kansas, Massachusetts, Pennsylvania, Virginia, Washington, North Carolina, and Wisconsin -- were from different ethnic and socio-economic backgrounds and included single parents, college graduates, and high-school drop-outs.

Buehler and her UNC-Greensboro colleague, Marion O'Brien, were surprised to find that the working mothers experienced better work-life balance and fewer incidents of depression when their kids were infants and pre-schoolers. "It also may be that mothers who are home with children all day experience greater child-related stress which is relieved to some extent once children are in school," they theorized. "Additionally, mothers with higher levels of depressive symptoms may have more difficulty seeking employment or keeping a job."

The benefit was evident even when mothers worked just a few hours per week. "For whatever reason, part-time employment during children's early years appears to be a positive factor in mothers' individual well-being," the researchers found. According to the U.S. Department of Labor, 26.6 percent of women held part-time jobs in 2010.

Buehler and O'Brien also found that moms who work part-time were just as involved in their child's school activities as stay-at-home moms and offered their toddlers more learning opportunities at home than both stay-at-home moms and moms who work full-time.

"Theoretically, an ecological framework suggests that a mother's participation in employment provides her with support and resources that a mother who spends full time at home does not receive," Buehler and O'Brien wrote in their study. "These external resources then contribute to mothers' personal well-being."
The study did not look at how having more than one child could affect a woman's stress levels or work opportunities, and while the researchers focused on the number of hours a woman worked, they did not take into account other issues working moms typically face, like commutes, type of career, how many hours they'd prefer to work, or scheduling issues.

But while work-life balance did get worse when mothers worked full-time, "the higher levels of conflict between work and family reported by mothers employed full-time were not reflected in higher levels of depressive symptoms in this group," the researchers concluded. "It may be employment in general rather than the number of work hours that protects against depressed mood when children are young."

By Lylah M. Alphonse, Senior Editor, Yahoo! Shine Work + Money

Strong Quadrantid Meteor Shower, One of 2012's Best, Peaks Wednesday

2012-01-03T17:16:00.000-05:00

If you enjoy the sight of "shooting stars" then make plans to be out looking skyward during the predawn hours on Wednesday (Jan. 4) when a strong display of Quadrantid meteors may appear. This first meteor shower of the year may end up being one of the best of 2012.

To paraphrase Forrest Gump: The Quadrantid meteor shower is like opening up a box of chocolates; you never know what you’re going to get! Indeed, the Quadrantids are notoriously unpredictable, but if any year promises a fine display, this could be it.

Peak activity is due to occur early on Wednesday at about 2:30 a.m. EST (0730 GMT) and favors eastern North America. The Quadrantid meteor shower sky map here for this story shows where to look to see the display.

The Quadrantids (pronounced KWA-dran-tids) provides one of the most intense annualmeteor showers, with a brief, sharp maximum lasting but a few hours. Adolphe Quetelet of Brussels Observatory discovered the shower in the 1830s, and shortly afterward it was noted by several other astronomers in Europe and America.

The meteors are named after the obsolete constellation Quadrans Muralis the Mural or Wall Quadrant (an astronomical instrument), depicted in some 19th-century star atlases roughly midway between the end of the Handle of the Big Dipper and the quadrilateral of stars marking the head of the constellation Draco. The International Astronomical Union phased out Quadrans Muralis in 1922.

Always difficult to see
Unfortunately, many factors combine to make the peak of this display difficult to observe on a regular basis:
•Peak intensity is exceedingly sharp: meteor rates exceed one-half of their highest value for only about 6-hours (compared to two days for the August Perseids). This means that the stream of particles that produce this shower is a narrow one — apparently derived within the last 500 years from a small comet.

The parentage of the Quadrantids had long been a mystery. Then Peter Jenniskens, an astronomer at the SETI Institute in Mountain View, Calif., noticed that the orbit of 2003 EH1 — a small asteroid discovered in March 2003 — ''falls snug in the shower.'' He believes that this 1.2-mile (2-kilometer) chunk of rock is the source of the Quadrantids; possibly this asteroid is the burnt out core of the lost comet C/1490 Y1.

•As viewed from mid-northern latitudes, we have to get up before dawn to see the Quadrantids at their best. This is because the radiant — that part of the sky from where the meteors to emanate — is down low on the northern horizon until about midnight, rising slowly higher as the night progresses.

The growing light of dawn ends meteor observing usually by around 7 a.m. local time. So, if the "Quads" are to be seen at all, some part of that 8-hour active period must fall between 2 and 7 a.m.
•In one out of every three years, bright moonlight spoils the view.
•Over northern latitudes, early January often sees inclement/unsettled weather.
It is not surprising then, that the Quadrantids are not as well-known as some of the other annual meteor showers, but 2012 may prove to be an exception.

Promising viewing prospects
According to Robert Lunsford of the American Meteor Society, maximum activity this year is expected on Wednesday morning, Jan. 4 at 2:30 a.m. EST (0730 GMT).

For those in the eastern United States, the radiant — that point in the sky from where the meteors will appear to emanate from — will be about one-third of the way up in the east-northeast sky. The farther to the north and east you go, the higher in the sky the radiant will be. To the south and west the radiant will be lower and the meteors will be fewer.

Although the moon will be at a bright waxing gibbous phase, it will set by 3 a.m., leaving the sky dark for prospective meteor watchers until the first light of dawn appears at around 6 a.m.
Quadrantid meteors are described as bright and bluish with long silvery trains. Some years produce a mere handful, but for favorably placed observers, this could be a shower to remember; at greatest activity, according to Lunsford, "Eastern observers may be able to see 60-75 Quadrantids per hour."

"If your skies are very clear and dark, allowing you to see faint meteors, your rates could top 100 per hour. Observers located in the western portions of North American will have lower rates but will also have the opportunity to see Quadrantid 'earthgrazers,'" Lunsford added. "Earthgrazers are meteors that skim the upper portion of the atmosphere therefore lasting much longer than normal and producing long trails in the sky. These meteors can only be seen when the radiant lies close to the horizon. As the radiant rises, the meteor paths will become shorter with shorter durations."

Outside of North America, Quadrantid rates could reach around 15-30 per hour for places north of the equator, but observers south of the equator will have little chance of seeing any "Quads" since the radiant will have little chance to clear the horizon before morning twilight interferes.

Don't forget to bundle up!
Finally, so far as weather conditions are concerned, a large high pressure system is expected to dominate the weather across much of the eastern United States and Canada for the peak of the shower meaning skies for these areas should be mainly clear for prospective meteor watchers.

However, it is also expected to be unseasonably cold (perhaps "unreasonably" is a better term to use!), with sub-zero readings possible over parts of upstate New York and New England with sub-freezing temperatures possible down into the Deep South. As one astronomer said prior to a mid-winter meteor watch: "Take the advice of a man whose teeth have chattered on many a winter's night — wrap up much more warmly than you think is necessary!"

By Joe Rao, SPACE.com Skywatching Columnist

COME JOIN US FOR WINE AND CHEESE ON THURSDAY!

2012-01-03T17:06:00.000-05:00

Here at the Courtney Reserve Leasing Office we are having a Wine & Cheese Party and YOUR INVITED!

-We are having fun trivia about big 2011 events
-A New Years Resolution Drawing where you but you resolution in a bowl and if we pick yours you get a PRIZE!
-AND as the name suggest plenty of wine, cheese and crackers to accommodate everyones munchies as they are mingling with there fellow residents!

Some come join us this Thursday evening at 7PM we know you will have a blast.

White House Christmas Trees: Then and Now

2011-12-19T10:35:00.000-05:00

Caroline Kennedy takes a closer look at the official 1961 White House Christmas tree in the Blue Room. This was the first tree to have an official theme picked by the first lady; Jacqueline Kennedy decorated it with toys, birds, and angels inspired by "The Nutcracker Suite

In 1962, President John F. Kennedy and first lady Jacqueline Kennedy decorated the official tree with ornaments made by disabled and senior citizens

In 1965, first lady Lady Bird Johnson posed with the Blue Room with the White House Christmas Tree, which she had decorated in an "Early American" style with fruits, nuts, popcorn strings, and seed pods

When first lady Betty Ford decorated her patchwork-themed tree in 1974, she offered instructions so Americans could sew their own ornaments

First lady Roselyn Carter decorated the 1978 White House Christmas tree with antique toys, dolls, and doll-house furniture from the collections of the Margaret Woodbury Strong Museum in Rochester, N.Y

First lady Nancy Reagan gets cozy with a Santa-suit-clad Mr. T in 1983. That year, the tree was decorated with more than 2,000 old-fashioned toys and thousands of lights.

President Ronald Reagan and first lady Nancy Reagan posed near the 1988 White House Christmas Tree, which was decorated with hand-blown glass ornaments from the Eisenhower administration along with Nixon-era state flower balls; Mrs. Reagan also added 300 wooden candles handmade by the White House's carpenters.

In 1990, first lady Barbara Bush decorated this Frasier fir from North Carolina with tiny porcelain dancers for another "Nutcracker Suite" themed Christmas Tree

First lady Hillary Rodham Clinton stands in the Blue Room in 1994. That year, the theme was "The Twelve Days of Christmas," and the ornaments were made by art students from across the United States

First lady Laura Bush decorated the 2005 official White House Christmas tree with real lilies, crystal, and sparkling garlands. Her theme that year was "All things bright and beautiful"

President George W. Bush and first lady Laura Bush in front of the 2007 White House Christmas tree. Each of the 391 ornaments on the tree represented a different National Parks Service site

The theme that first lady Michelle Obama chose for the 2011 White House Christmas Tree is "Shine, Give, Share." It honors military veterans and is decorated with medals and badges from all branches of the military, as well as with cards made by the children of service members

Raleigh Winterfest opens this weekend

2011-12-06T15:55:00.000-05:00

Raleigh Winterfest returns this weekend with a 42-foot-tall Christmas tree, an ice skating rink, sledding and more.

The grand opening celebration on Saturday will feature all kinds of live music, activities for kids and a visit from Santa. You'll find it on City Plaza, which sits at the southern end of the 400 block of Fayetteville Street next to the Bank of America building and on top of the Charter Square parking deck.

Saturday's event runs from 5 p.m. to 10 p.m. Skating continues until 11 p.m. Activities include a Santa's Village from 5 p.m. to 9:30 p.m. Parents will be able to take their own pictures of their kids with Santa for free. From 5 p.m. to 10 p.m., you'll also find sledding ramps and carousel, trackless train and carriage rides.

Most of the activities are free. There is a $1 fee for the carousel, train and carriage rides. Admission to the ice rink is $8 per person, including the cost for skates. You can bring your own skates as well, but you'll still have to pay the $8 admission.

The ice rink this year will be open through Jan. 29. Hours vary depending on the day. And I'm excited that the Downtown Raleigh Alliance, which works to put this all together, is planning some special events again this year. I think parents will be particularly interested in the Sledding Sundays, Two for Tuesdays deal and the stroller skating.

Special activities include:
Sledding Sunday: SnowMyYard.com will create a winter wonderland on Dec. 18, Jan. 8 and Jan. 15.

Two for Tuesdays: Skaters will receive one free admission to the rink with the purchase of one paid admission (includes skate rental). This will come in handy during winter break when kids are out of school.

Music Craze Wednesdays: Enjoy live music at the rink from 6 p.m. to 9 p.m.

Stroller Skate Thursday Mornings: Parents and babies share outdoor fun. Skate and push a strollers on the ice from 10 a.m to 11 a.m. I did this last year with my baby, made a fool of myself and posted a video of it for all to see. Click here to check it out. It's a lot of fun! I might try it again, though I fear my two-year-old would be more interested in trying to get out of the stroller to get onto the ice.

Date & Skate Thursdays: Free carriage rides with skating wristband from 6 p.m. to 9 p.m.

Rock Around the Rink Fridays (select dates to be announced): DJ Paradime from Pulse 102 will rock the rink from 6 p.m. to 10 p.m.

By Sarah Lindenfeld Hall

For more information, check out the Raleigh Winterfest website.

25 Good, Cheap Foods to Keep in Your Kitchen

2011-12-06T10:19:00.001-05:00

The cost benefits of cooking at home far outweigh the money you'll save by cutting processed and takeout foods from your family's diet. We surveyed a major East Coast metropolitan grocery chain to determine these prices. Costs will vary according to where you live, but this list represents foods that traditionally offer great health value while being kind to your wallet.

Protein
•Canned salmon: $2.89 for 14.75 ounces (59 cents per serving)-Get your omega-3s for less. Salmon is full of these healthy fats, which help lower cholesterol and prevent heart attacks.

•Chicken breasts: $3.49 per pound (87 cents per serving)-Easy-to-prepare and versatile, chicken is full of lean protein, which helps keep you fuller longer.

•Natural peanut butter: $3.39 for 16 ounces (42 cents per serving)-Skip the sugary, processed varieties and spread the real stuff on whole-grain bread. Throw a tablespoon in smoothies or yogurt, use it as a dip for carrots and pretzels, or mix it with a bit of low-sodium soy sauce, brown sugar and garlic, then thin with water for a quick sauce.

•Canned beans: 84 cents for 15 ounces (22 cents per serving)-Bulk up soups and stews while getting protein and fiber. Try chickpeas or black beans if you're not a fan of kidneys or pintos. Drain, rinse, and puree with lemon juice, garlic, cumin, and a bit of vegetable broth for a quick dip.

•Eggs: $1.99 for a dozen large (17 cents per serving)-Not just for breakfast, eggs are among the easiest foods to cook. If you're watching your cholesterol, scramble one egg and two egg whites. Add onion and spinach and you've got a great omelet.

•Dried lentils: 79 cents per pound (20 cents per serving)-Full of protein and fiber, lentils cook in just 15 minutes! Throw some in soups and stews or cook with curry powder for a quick, spicy meal.

•Almonds: $3.99 for 9 ounces (44 cents per serving)-Get vitamin E, fiber, and protein while satisfying a crunchy craving. Nuts are rich in an amino acid that could be linked to heart benefits. Chop up a few raw ones and throw them on yogurt, or add them to a salad.

Fruits
Frozen fruit and berries: $2.99 to $5.99 per pound (75 cents to $1.50 per serving)-Since fruit is frozen at the peak of freshness, frozen fruit is a great way to get the health benefits of summer's bounty all year round. Berries are very low in calories, but full of vitamins and antioxidants. Frozen berries can be used in oatmeal or drained and baked into muffins and quick breads. Throw some in the blender with milk or yogurt for a healthy treat.

Apples: 68 cents each-They might not keep the doctor away, but apples are actually full of antioxidants, which help slow the progression of age-related diseases

Bananas: 35 cents each-Slice one on your morning yogurt or oatmeal for some added fiber and only 100 calories or so. Snack on a potassium-rich banana to prevent cramps after a workout.

Grapes: $2.99 per pound (75 cents per serving)-Freeze grapes for a low-calorie dessert or snack. Grapes-especially the dark purple ones-contain plenty of antioxidants that are known to help heart health.

Vegetables
•Romaine or other hearty lettuce: $1.99 per head (66 cents per serving)-Banish the iceberg and choose sturdy Romaine for your salads. It will give you more fiber and nutrients, plus a satisfying crunch.

•Carrots: $2.79 for 3 pounds (23 cents per serving)-Mom was right. Carrots are good for your eyes, thanks to the antioxidants they contain, including beta-carotene. (That's what makes them orange!) Dip them in hummus (made from canned beans), natural peanut butter, or low-fat dressings.

•Frozen spinach: $2 for 16 ounces (50 cents per serving)-Thaw and drain this good-for-you green, then toss it in omelets, soups, stir-fries, and pasta sauces. Spinach is full of vitamins A, C, K, plus fiber and even calcium.

•Canned tomatoes: $1 for 14.5 ounces (28 cents per serving)-Choose low-sodium or no-salt-added varieties and throw a can in pasta sauces or chili to stretch a meal. Puree a can with a cup of skim milk and season to taste for your own tomato soup. You'll get a dose of vitamins A, B and C and lycopene, an antioxidant known to prevent cancer.

•Garlic: 50 cents per head (5 cents per serving)-Ditch the bottled and powdered stuff if you want to reap more of the myriad health benefits. Pungent and tasty, garlic can help lower cholesterol and blood clots, plus it can have a small effect on high blood pressure. Crush or chop it to release more of the antioxidants.

•Sweet potatoes: $1.49 per pound (37 cents per serving)-Aside from being sweet and delicious, these bright root vegetables are a great source of fiber and antioxidants. Bake, mash or roast them-you'll forget about those other, paler potatoes.

•Onions: 97 cents each (32 cents per serving)-Like garlic, this pungent vegetable is full of health benefits. Onions have been proven to lower risks for certain cancers, and they add lots of flavor with few calories. Try roasting them to bring out their sweetness and cut their harsh edge. (If you well up while cutting them, store onions in the fridge for a tear-free chop.)

•Broccoli: $2.49 per pound (63 cents per serving)-Broccoli is a superstar in the nutrition world: full of fiber, it will provide you with vitamins A and C, and a host of antioxidants.

Whole Grains
•Whole-wheat pasta: $1.50 for 13.25 ounces (45 cents per serving)-With a nutty flavor and a subtle brown color, whole-wheat pasta perks up any meal. Start with half regular, half whole-wheat pasta, then gradually add more wheat pasta for a burst of fiber and nutrients.

•Popcorn kernels: $2.39 for 32 ounces (30 cents per serving)-Air-popped popcorn has just 30 calories and a trace of fat. Pop a few cups, spritz with olive oil or butter spray and sprinkle on your favorite seasonings for a guilt-free treat.

•Brown rice: $1.49 for 16 ounces (19 cents per serving)-Brown rice is a great side dish, but you can also use it to help stretch your ground meat. Mix a cup of cooked rice with 8 ounces of lean ground beef next time you make meatloaf to save 45 calories and 5 grams of fat (and some money) per serving.

•Oats: $3.19 for 42 ounces (15 cents per serving)-Oatmeal is a hearty breakfast, but you can also cook sturdy steel-cut oats in chicken broth for a savory side dish. Or, mix oats with ground turkey to stretch your meatballs.

Dairy
•Quarts of low- or fat-free yogurt: $2.49 for 32 ounces (47 cents per serving)-Buy large containers of plain or vanilla yogurt, then add real fruit. You'll save money and calories by not buying fancy, single-serve cups.

•Gallon of skim milk: $3.04 (19 cents per serving)-It really does a body good. Full of calcium and protein, milk can help stretch a meal. Pair an eight-ounce cup with a piece of fruit or a granola bar for a filling snack.

By Stepfanie Romine, co-author "The SparkPeople Cookbook"

Jackpot Winners Make Good On Their Promise

2011-12-05T15:25:00.000-05:00

Three Connecticut wealth managers who won a $254 million jackpot followed through on their promise to put the money toward philanthropy, today announcing donations to five charities that assist veterans.

The first recipients will each receive $200,000. They are: The Bob Woodruff Foundation, Building Homes for Heroes, Services for the Under Served, Operation First Response and the Intrepid Fallen Heroes Fund.

The Bob Woodruff Foundation, started by ABC News correspondent Bob Woodruff, helps injured veterans reintegrate into everyday life following deployment.

Building Homes for Heroes constructs from the ground up and also modifies homes for wounded and disable veterans.

Services for the Under Served supports "individuals and families facing challenging life situations such as mental illness, developmental disability, physical disability, AIDS, homelessness, unemployment and poverty," according to its website, and has a veteran's support group.

Operation First Response helps the families of wounded soldiers deal with the domino of costs that can come from injury. Peggy Baker, president of the charity, called the gift a "Christmas miracle."

The Intrepid Fallen Heroes Fund supports the families of wounded soldiers and those killed in action.
The three trustees said they felt it was important to give back to a section of American society that is underserved.

"We are leveraging our professional experience and our collective success in money management to ensure these lottery dollars go far further than their face value," the three winners, who formed the Putnam Avenue Family Trust, said in a statement.

Money managers Greg Skidmore, Brandon Lacoff and Tim Davidson came forward on Nov. 28 to claim the jackpot, which had gone unclaimed for 27 days.

All three work for wealth management firm Belpoint Capital in Greenwich, which manages $82 million, according to the Securities and Exchange Commission. Skidmore is president and CEO of the company.
The three men have had to deal with accusations that they are really a front for a fourth, anonymous winner.
Thomas Gladstone, a friend of one of the men and the landlord of their office space, told ABC News last week that a client had come to Belpoint Capital with the winning ticket and asked for their help. A relative of one of the men, who wished to remain anonymous, confirmed the story to ABC News.

"These are smart guys. They want to turn the $100 million into ... $400 million. The plan was to keep all this private. You've seen people pry into other people's lives. They want to protect their client," Gladstone said.

Gary Lewi, spokesman for the Putnam Avenue Family Trust, insisted that Skidmore, Lacoff and Davidson were the true -- and only -- winners.

"The three trustees consider this the first stop on what we see as a journey of philanthropy in the months and years to come," Lewi said

Please join us to help give our adopted family a beautiful Christmas!

2011-11-28T15:24:00.000-05:00

As most of you know each year the ContraVest FAMILY, Friends, Vendors, Residents, and Contractors all come together to adopt Bernadette Hanlon our BEAUTIFUL FRIEND and CO-WORKER to give her 6 daughters a Christmas they will never forget!

For those of you who have not heard of Bernadette’s story, she is a single mom with 3 girls of her own and a less than 5 years ago her oldest daughter had a regular babysitting job to watch 3 little girls. Her daughter had an unexpected school event on the same night she had committed to babysitting. The girl’s mother’s name was Amy, that night Bernie offered to cover for her daughter by watching Amy’s girls in her home. Amy’s oldest daughter 13 at the time decided to stay home alone while the other girls stayed with Bernie. That night a turn of events drastically changed all of their lives forever. Amy’s ex-husband broke into Amy’s home tied up her daughter and waited with a knife for Amy to return. When Amy walked into their home she was brutally attacked and murdered in front of her 13 year old daughter. Luckily Amy’s boyfriend who was parking the car walked in just in time to save Amy’s daughter, he too was stabbed in the struggle and fortunately survived. Amy’s daughter’s had only one living relative a grandmother who was elderly and unable to care for the girls… Bernie took these distraught little girls into her home because they had no one. Their father was arrested and charged with their mother’s murder. Fast forward nearly 5 years, Bernie has spent countless hours fighting the system to protect these children. She spent numerous hours at trial to see that their father paid for his crime and numerous hours at doctor’s appointments for child counseling, she is proud to tell everyone that she was able to officially ADOPT the girls!

As you can imagine it’s a difficult job being a single mother of 6 girls! Bernie’s 3 girls have sacrificed so much by welcoming their new sister’s into their very small home. Amy’s daughters have suffered an unforgettable loss in the murder of their mom. No matter how difficult things have been Bernie has been the one constant in their life! Bernie is an “ANGEL” in every since of the word!

It is our honor each year to give this beautiful and certainly deserving family a wonderful Christmas one that they will remember and cherish for years to come! Christin, Wendy and Darla will head up the fundraiser this year! We ask that you donate whatever you can--no amount is too small! We are asking for donations in the form of gift cards (Visa, American Express, Wal-Mart or Target), cash or personal checks. Please make personal checks payable to Christin Tenpenny so she can cash them to make the actual purchases from the girls Christmas lists.

***Please bring in or mail donations to: C/O Christin Tenpenny, ContraVest Management Company, 237 South Westmonte Drive, Suite 140, Altamonte Springs, FL 32714. We appreciate any donation you can make to help this family. If possible would love to receive the donations into us by December 10th to give us time to shop for the gifts!

From our family to yours, thank you!

Courtney Reserve Apartment Homes

The Best Cyber Monday Deals

2011-11-28T09:48:00.000-05:00

Reports of Black Friday violence and pepper-spraying may have made some holiday shoppers wary of hitting the mall this year. Luckily, there are some great Cyber Monday deals that don't require you to leave the house.

Like many of the brick-and-mortar retailers offering Black Friday sales this year, many Cyber Monday retailers are allowing customers to shop the deals early before the actual online shopping holiday. Others, however, are staying tight-lipped about their deals until the day before, so MainStreet rounded up some of the best Cyber Monday sales that retailers are pushing in 2011.

Wal-Mart
The world's largest retailer tried to lure consumers to its doors first by kicking off Black Friday sales on Thursday. Its Cyber Monday sales are also beginning a day early. Wal-Mart will begin its "Cyber Week" sales with deals on gadgets, toys and home goods. Shoppers will be able to scoop up 32-inch Toshiba LCD HDTVs for $249 and Xbox holiday gamer bundles for $319. Tramontina Dutch ovens will be offered for $35 and Hot Wheels Mega Garage Playsets will be $25. The site will offer free shipping on orders of more than $45, on qualifying products.

Toys "R" Us
The toy superstore plans to roll out discounts on thousands of items on its website, starting at 6 p.m. Sunday. Shoppers will be able to get 60% off the cost of certain video game titles with the purchase of another game. Calico Critters' products will be 50% off, while certain Nerf products will be up to 40%. Perennial favorites such as Little Tikes Bouncers and Razor Scooters will be discounted by 30%. Prices on Easy-Bake Ovens and Power Rangers action figures will be cut by 20%. Barbie dolls will sell for $15 less, while Hot Wheels cars will be offered for $10 off. Consumers will get free shipping on orders of at least $49.

Macy's
The department store plans to offer discounts on hundreds of items on its website. For the home, shoppers will find Dyson DC-17 Total Clean vacuums for $349.99 and 24-piece bedding sets for $99.99. The store will offer buy-one-get-one-free deals on certain women's sweaters and 50% off of select women's coats. In accessories, handbag prices will be cut by 25% to 40%, while Charter Club leather gloves and cashmere scarves will be 50% off. Macy's will also lower its minimum order for free shipping to $75, using the promotional code "CYBER."

Sam's Club
Sam's Club, not to be outdone by sister store Wal-Mart, has some Cyber Monday deals to rival Wal-Mart. The shopping club has an Asus i5 Notebook for $479 with free shipping. The TV deals have been great this year at every retailer, and Sam's Club has a Magnavox 32-inch LCD HDTV for $248.88 with free shipping.
You have to be a member of the shopping club to get the deals, but you can score an annual membership for as little as $40 The deals start at 10 p.m. Sunday and last until Dec. 2.

Costco
Bulk retailer Costco plans to offer deals on everything from jewelry to coffee during its Cyber Monday sale. Shoppers will be able to buy computers for up to $500 off, Brother and Hewlett-Packard printers for up to $120 off and iPad accessories for as much as $30 off. Costco will cut the price of the Dyson DC25 Animal Ball vacuum by $100 and the Maytag washer/dryer set by $500. Certain sheets, robes and gift baskets will be discounted by $10 to $25. Non-members must pay a surcharge to make purchases on the site.

Barnes & Noble
Barnes & Noble has really amped up the deals it's offering to members this year, and its Cyber Monday deals reflect that. The book retailer is giving 25% off of one item purchased online to members. This means that members could use that one-time 25% discount to pre-order the new Nook Color e-reader, normally $249, for less than $200. Barnes & Noble will also offer select DVD and Blu-ray movies for up to 80% off.

Microsoft
The software maker is offering discounts on computers, accessories and video games through Monday on its website. The company is offering a Samsung RC512 Core i5 laptop for $499, down from $799. They're cutting the price of their Xbox gaming bundles by $200 and selling their Kinect Sensors for $99.99. Certain Xbox games are on sale for $20 off and prices on many computer accessories have been cut by 25%.

Amazon.com
Starting at midnight on Sunday, the online powerhouse will begin sales on gadgets, toys, home goods and jewelry. Along with its $79 Kindle and $199 Kindle Fire, Amazon is offering a Sony Cybershot 10.2-megapixel camera for $199 (a savings of $150), a Microsoft Xbox 360 holiday bundle that includes Fable III and Halo Reach for $199 ($100 off), and TechnoMarine watches for 40% off. Sweaters and fleece clothing will be discounted by up to 60%. The site is also cutting the price of Hasbro games and VTech electronic toys by 50%. "Twilight" DVDs will be on sale for $6.99.
Target
Wal-Mart's biggest rival will be rolling out its own week of sales during its "Cyber Week." The discount chain is cutting prices of clothing and home goods by more than 50%, and toys by 30% to 50%. In particular, Target is offering $100 in free accessories when you buy a Sony Tablet S for $499.99, and discounts of more than 30% on other gadgets. Shoppers can also pick up stocking stuffers such as buy-one-get-one-free Pillow Pets and $3.99 DVDs.

This article is part of a series related to being Financially Fit

Thanksgiving Horror Stories ~ Add Your Own!

2011-11-21T10:26:00.001-05:00

No matter how prepared or experienced you are, even the most skilled hosts sometimes run into trouble on Turkey Day. Whether it's a non-functioning oven; a burnt, raw, or frozen turkey; or surprise vegan guests, the size of the annual feast and the strong feelings of many family members and friends means there's plenty of room for mistakes and lots of expectations to meet (or, as the case may be, not meet).

With this in mind, a few weeks ago, we asked our Facebook fans to share their Thanksgiving horror stories, and at last count, we had 70 responses. Here you'll find the highlights (which include a surprising number of stories involving dogs) and hopefully learn a thing or two. The overwhelming conclusion is this: You're not alone; just about everybody has a disaster in his or her Thanksgiving past.

Klutzy in the Kitchen
 Andrea Lundgren: I worked really hard on a pumpkin cheesecake (fresh pumpkin even). My hubby went to get it out of the fridge to serve our guests, and he tipped the tray. It slid right off and SPLAT! on the floor.

Beth Eileen Walker-Cavalli: My in laws were having the first Thanksgiving where all their children were married and the spouses were all together at their home. (Very Big deal) so they thought to do the carving at the big table. Sadly the table was not big enough, so they opted to carve on a small side table from the garage. Upon cutting into the bird, my father in law slipped and the whole bird fell onto the dining room carpet!

Hungry Pets
 Patricia McNeil Germer-Coolidge: One year we didn't have room in the fridge for the thawed turkey, so my mom put it outside in the cold Colorado air...up "too high" for the German shepherd to reach...Not!! I think we had roast beef that year!

Jeff Fitzgerald: Thanksgiving Day, had just got the turkey out of the fridge to begin preparation when I'm called out of the kitchen for a second. When I return, our dogs had pulled the raw turkey off the counter and had already managed to get both of the drumsticks off. Thinking quickly, I cleaned the remainder off, removed the breast, and turned it into a roulade that everyone thought was just fine.

Cynthia Love: I'm Australian and married an American. My first year of marriage I did Thanksgiving - the full works. In the middle of the meal my cat strolled into the dining room with a live rat in his mouth.... and released it. All hell broke loose.

Colleen DeBoer Mundwiler: When we had a puppy that was only 3 months old, she got into the pecan pie and ate the middle out of the pie. Funny - now yes, then not so much. The funniest part is my mother-in-law felt so bad, she made a small batch of filling and added it to the "puppy pie."

Gravy Gone Awry
 Laura Parker: Dad was a gravy champion, best in our family. He loved pepper, and one year took the shaker top off so it would be easier to get more. Except he forgot he had, and ended up dumping a whole jar of pepper in the gravy! Nobody ever asked him to make the gravy again.

Sue Foster: A few years ago it was my sister's job to make the gravy while I carved the turkey and dished up the side dishes...she kept saying "the gravy isn't thickening"...so I kept telling her to add more flour...the product that arrived on my table had the consistency of jello! Now I make the gravy!!!

When Weather Strikes
 Lisa Redmond: Many years ago I prepared a dinner for 10. Then we got an unexpected 3-foot snowstorm. None of the family could get to us. But I served the dinner to my husband at the dinner table with centerpiece, turkey etc...He looks so funny in pictures, sitting at the table with all that food! Family showed a couple of days later for hot turkery sandwiches and leftovers.

Barbara Maclay Cameron: We once planned to eat Thanksgiving dinner out at a restaurant (unusual for us), but a snowstorm hit and we couldn't leave the house. We ate Stouffer's frozen French bread pizzas (remember those?) for Thanksgiving dinner!

Real Danger
 Patti Davidson: A number of years ago my sister and I were preparing dinner for both our families and extended family at her house. The day before Thanksgiving my sister had a large band-aid on her finger. We had a huge turkey to stuff and it took both of us to accomplish it. When it was all done and tied up and in the roaster ready to go in the oven my sister looked down and said, "Oh my god...my band-aid is gone". Well, we were both horrified and then we got the giggles about someone finding it in their stuffing. Should me make it a prize like the baby in a king cake? We just couldn't risk it so we totally undressed the bird and combed through every piece of stuffing. We found nothing! So we stuffed it back up and when we lifted the roaster to put it in the oven, there it was! Stuck to the BOTTOM of the roaster the ENTIRE time! We still laugh about it all the time!

Chip Fowler: My niece was in the kitchen garnishing the turkey on the platter for presentation. Her husband stood near her opening a bottle of champagne. The cork flew into the air and hit the overhead lights, which shattered and rained shards of glass all over the turkey.

Barb Wilkins: 1/2 hour left to go on the turkey and we hear on the news that Safeway has a turkey recall because someone called in a threat they poisoned all the birds. Took the bird back, fully stuffed, told the guys it needed 30 more minutes if they wanted it, and started all over again. At least the Safeway guys got a thanksgiving dinner at work.

Evelyn S. Hlabse: We were invited by a family member for Thanksgiving dinner and she didn't wash the turkey out before stuffing it. The four of us ended up in the ER because of food poisoning.

The Classics
 Virginia Shea: Back in college, a billion years ago, a housemate and I cooked early Thanksgiving dinner for our 20-person co-op. My housemate had invited over a guy she wanted to impress & asked him to carve the turkey. He cut off the first slice and pulled out the wax-paper bag of giblets! Ew. We ate the turkey anyway and it was fine. But, at least as far as I know, my housemate & the guy never got together.

Amy Van Dreumel-Hammer: Thoroughly check the turkeys cavity, because sometimes there are "2" bags of gizzards, instead of the usual "1."

Francie Crawford Todd: I was invited home with my college roommate for Thanksgiving dinner. Her very proper mom made a fabulous meal topped off with pumpkin pie. She heaped whipped cream on each slice and waited for comments. Finally her husband mentioned that it tasted 'off'. She broke down and confessed she had forgotten the sugar but had hoped the whipped cream would save it. It didn't.

Heather Ireland: Woke up super early one Thanksgiving morning to get the turkey started. Turned the oven on to pre-heat and started making coffee and other things. Next thing I know my oven is on FIRE! My heating element was completely destroyed. I was beyond upset as I had about 10 family members coming over for dinner. Hubby and I ended up going back to the store and buying enough steak for everyone and grilled out. It worked out in the end but is sure wasn't what I planned!

Polly Ferguson: I have double ovens...one for the turkey...one for the side dishes (that I had prepared weeks and days before) that needed reheating. I pride myself on my organizational skills! I forgot to turn on the oven for the turkey...

Brianne DeRosa: My mother-in-law had one a few years back! She purchased what she thought was a fresh turkey, but she didn't read carefully--it was "previously frozen." In other words, still frozen partially in the middle. She tried to cook it, and after HOURS in the oven, it was still raw on the inside and as chewy as leather on the outside!

Plumbing Problems
 Terri Terrell: Just before Thanksgiving the hot water pipe in my kitchen floor busted causing flood. Had to climb over all sorts of drying fans and machinery to cook dinner that year. Plus the kitchen was tented off from the rest of the house and cupboards were sealed up due to possible mold. It was awful. But! The dinner turned our wonderful.

Donna Fritz Nalbach: Seriously plugged up the disposal about 30 minutes before dinner...most of the food was ready but could not use the sink or dishwasher...washed dishes for 12 in the basement stationary tub and bathroom tub!

Good Food, Annoying Guests
 Jill Echols: My in-laws were coming from out-of-state for one of our first Thanksgivings early in my marriage. I was certainly going to impress my mother-in-law with a full Martha Stewart spread (from her November 1995 magazine). To achieve the perfect presentation the Roots Anna recipe requires that you "Place a cast-iron skillet on the foil" during baking; but I did not have one. I improvised by using a large, washed rock to weigh down a second pan placed on top of the potatoes. My mother-in-law opened the oven, peeked inside, and asked, "Is THAT the Turkey?"

Jennifer Filice: You mean like my boyfriend's mom feeding her entire extended family before coming over to the full Thanksgiving dinner I'd prepared?

Kimberly Argus Lish: Before we were married, my now husband invited some childhood friends for Thanksgiving dinner. They were the worst guests in the world: the children were out of control and the wife kept trying to talk to my husband about her single sister (whom he dated in high school) and how good she looked now. To make matters worse, one of the elements in our stove had broken without our knowledge and the turkey wasn't cooking. After ten hours of nightmarish guests and cooking in a broken oven, we finally managed to get some turkey cooked enough to eat. Needless to say, it was the worst Thanksgiving ever!

By Lauren Salkeld, Epicurious.com

5 Food's That Will Make Your Skin 'GLOW!'

2011-11-18T09:53:00.000-05:00

What you eat is important for your health, yes, but did you realize that what you put in your mouth can have an effect on your beauty, too?

Here, we identified five foods to include in your diet for glowing skin.

Sweet Potatoes

Keep your skin silky smooth by including sweet potatoes in your diet. They are rich in beta-carotene and, when ingested, are converted into vitamin A, a prime factor in keeping skin touchably soft, says Lisa Drayer, MA, RD, and nutritionist. Not a potato person? Carrots will do the trick, too.

Kiwi

Any food with lots of vitamin C, like kiwi, oranges, and grapefruit, is a big skin saver, according to Drayer. Vitamin C stimulates collagen synthesis and protects against wrinkles. In a study done by the American Journal of Clinical Nutrition, women who had a diet high in vitamin C foods had noticeably less dryness and fewer wrinkles.

Dark Chocolate

This has to be too good to be true, right? Wrong! Drayer says enjoying a small piece of dark chocolate will provide high levels of cocoa flavanols, which have been associated with softer, more hydrated skin. Notice we said small. Eating a jumbo Hershey's bar probably won't make you look or feel very good after the fact

*So eat up! And stay healthy! Don't forget to show off that 'GLOW'!
~Courtney Reserve Apartment Homes
www.courtneyreserve.com
919-481-1105

Why Spend Your Money Buy Gifts When You Could Spend Our Money!?!

2011-11-15T14:06:00.000-05:00

You want an extra

$500

for the holidays!

Who doesn’t, right?

On December 16, 2011, we are giving away a

$500 Target Gift Card

to our lucky winner!

Step 1: Tell all your friends

Step 2: Your referral signs a lease at Courtney Reserve by December 16, 2011

Step 3: You collect a referral fee and you’re entered into the drawing

Step 4: Repeat, as many times as you want!

Please remind your friend to bring the attached portion with them

Courtney Reserve Apartments
2000 Cary Reserve Dr.
Cary, NC 27519
p. 919.481.1105 f. 919.481.9221
www.courtneyreserve.com

Resident Name: _____________________
Resident Apt #: ____________________
Prospect Name(s): ___________________
Unit Rented: _______________________
Phone Number: ______________________
Size Needed: ______________________
Email Address:  ______________________
Move-in Date: _____________________
Employer:  __________________________
Pets (type/size): ____________________

For Thoes Of You Wanting To Get Your Fill Of Chicken Before Turkey Day - Here Are 6 Common Mistakes When Roasting A Chicken

2011-11-14T10:44:00.000-05:00

To many cooks, roasting a whole chicken is scary. A chicken is a blank canvas, so there are many factors that impact flavor and moisture. Plus, precise cooking time is important, not to mention the many different types of bird. There's a lot of potential for failure. How do you season it? Where do you insert the thermometer? How do you get the skin (everyone's favorite part) perfectly crisp? To ease your worries, we asked the food editors in our test kitchen to correct some of the most common mistakes home cooks make. Find their advice below.

1. Putting a Soggy Bird in the Oven
"Pat the skin as dry as possible with paper towels so the skin gets crispy."

2. Skimping on the Salt
"Season the cavity and skin with salt and whatever else you like. Usually, 1 tsp. of kosher flake salt per lb. of meat is the perfect amount."

3. Leaving Out the Flavor Boosters
"At a minimum, stuff the cavity with a halved lemon to perfume the chicken and keep it moist. (You can add herbs and garlic, also.) For maximum deliciousness, rub a flavored butter under and over the skin of the breasts and thighs. Make any flavored butter you want by following our instructions . "

4. Keeping the Oven at the Same Temperature
"To start, crank the oven up to 475 or 500 and roast the chicken hot for 20 minutes, reduce the heat to 400 and continue roasting until cooked through."

5. Using a Taste-less Bird
"Start with a good-quality chicken! It'll be hard to coax flavor out of a taste-less bird. I like to use organic grain-fed chickens."

6. Not Using a Thermometer
"Avoid overcooking the chicken by knowing exactly what temperature it's at. As soon as the thermometer registers 165° when it's inserted into the thickest part of the thigh, take the chicken out and let it rest for 10-15 minutes before carving."

By bon appétit magazine

.Posts .By bon appétit magazine
Shine Food – Wed, Nov 9, 2011 3:34 PM EST

Wal-Mart Black Friday Deals!

2011-11-10T12:15:00.000-05:00

They may as well call it Black Thursday. Joining a slew of other national retailers, Wal-Mart said it too will open its doors nationwide on Thanksgiving night.Not to be one-upped by Target, which recently announced it would open at midnight on Black Friday, Wal-Mart said it will kick off its Black Friday deals at 10 p.m. on Thursday.

"Our customers told us they would rather stay up late to shop than get up early, so we're going to hold special events on Thanksgiving and Black Friday," Duncan Mac Naughton, Wal-Mart's chief merchandising officer, U.S., said in a statement.Starting at 10 p.m., Wal-Mart is offering doorbuster deals on toys, clothes and home accessories like $5 Barbies marked down from $19, jeans for less than $10, children's pajamas sets for $4.47 and a Black & Decker Coffeemaker for $9.44.

Then at midnight, the retailer said it will begin discounting electronics as well. Deals include a Samsung 51-inch plasma TV for $498 down from $649, a Kodak 14 megapixel camera for $49 and a Magellan GPS for $69, marked down from $89. Another round of discounting will start at 8 a.m. and continue throughout the weekend, Wal-Mart said. Among those deals will be Goodyear tires starting at $59, a Vizio 42-inch 3D LED Wi-Fi HDTV for $598 and a selection of DVDs for $1.96 each.

This is the earliest look at the retailer's highly anticipated doorbuster deals, which are not usually released until the week of Thanksgiving. Last week, the retailer said it would give customers who sign up at Walmart.com or Facebook.com/Walmart an even earlier preview of its Black Friday sales. For hard-core deal hunters, the retailer is also offering a downloadable map for all of its stores on its Facebook page so they can map out their route before they start shopping.

As the holiday season gets underway, retailers will have to work harder to motivate shoppers -- even on one of the biggest shopping days of the year, said Tom Julian, president of Tom Julian Group, a retail consultancy in New York. "I expect there will be more Thanksgiving openings from other groups as a result," he said. "It's a marketing maneuver for those that really want to own Thanksgiving to Black Friday."

Best Buy, Macy's and Kohl's have already announced openings at midnight. But getting shoppers in the mood to spend has been particularly difficult for retailers, as Americans feel increasingly protective of their discretionary dollars. Last year, Black Friday sales totaled $11.8 billion, according to a report by research firm IBISWorld. This year, sales are expected to increase by only 1.2% to just under $12 billion.

Wal-Mart has also announced a number of additional shopping incentives in recent weeks, including price matching from now until Dec. 15, layaway on purchases over $15, free shipping on most Walmart.com products, no interest on Wal-Mart credit card purchases if they are paid for in full within six months, and a 10-cent discount on each gallon of gas bought at participating Murphy USA or Wal-Mart stations.

From CNN Money originally, taken from Yahoo News

Best Views in America

2011-11-09T09:35:00.000-05:00

Kauai, HI

Best seen from: The Kalalau Trail along the Na Pali Coast

The Hawaiian Islands' tropical terrain indulges the imaginations of honeymooners and adventure-seekers alike. Most travelers familiar with the archipelago will tell you that Kauai features the most stunning scenery, and we agree. The views we can't get out of our heads were from the Na Pali Coast. Its sharp emerald cliffs and jagged mountains trace the northern coastline. And while a boat trip leads you to the perspective that is most often photographed, we recommend taking the more exhilarating, exhausting trek along the Kalalau Trail. Hikers begin this 11-mile route at Ke'e Beach and traverse five valleys before reaching Kalalau Beach. You'll stop several times along this challenging but rewarding path for photo ops (and water breaks).

Second Place: Waimea Canyon

On Kauai's western side, the Waimea Canyon (a.k.a. "The Grand Canyon of the Pacific") contains verdant gorges, soaring buttes and ever-changing scenery, which shifts with the sun and the seasons. Hiking the canyon is surprising manageable when compared to its larger counterpart in Arizona, but we still recommend stopping at a ranger station to pick up a trail map.

New York, NY
Best seen from: The Iris and B. Gerald Cantor Roof Garden at the Metropolitan Museum of Art

Oh, New York. The rise-and-fall landscape of man-made marvels continues to enchant us day after day, year after year. Yet, capturing the je ne sais quoi proves to be quite a challenge. Most visitors head straight to the top, to the observation decks on the Empire State Building, Rockefeller Center or another soaring skyscraper. But, should you wish to feel a part of the city, you must go to the Iris and B. Gerald Cantor Roof Garden at the Metropolitan Museum of Art. The vast majority of museum goers miss this gorgeous lookout atop the art collection, simply because they don't know it exists. From this urban perch, Central Park's trees billow out until they reach the edges of their concrete quarantine. Plus, you can admire the distinguished high-rises that corral the park while sipping a refreshing Midday Martini. This privileged perspective is available to all summertime Met visitors, so be sure to visit in that season to savor everything this incredible museum has to offer.

Second Place: Brooklyn Bridge Park

To trace New York's entire profile, you should leave Manhattan entirely. Located across the East River, Brooklyn Bridge Park provides a classic view of Lower Manhattan and the iconic Brooklyn Bridge. And because everyone should stroll the bridge at least once, consider getting to the park on foot.

Mt. McKinley, Denali National Park

Best seen from: Wonder Lake

As "The Last Frontier," Alaska hosts numerous natural attractions, but we have yet to find one more impressive than Mt. McKinley. Sometimes called "Denali," North America's tallest mountain is usually shrouded in cloud cover. However, if you're in photo-taking position early enough, you could snap the perfect image; the peak is most often visible in the morning. Aside from the temperamental clouds, the challenge of capturing Mt. McKinley arises from Denali National Park's lack of infrastructure and the density of the surrounding forest. So unless you're planning to scale a tree, the best place to view the mountain is from Wonder Lake. Located approximately 26 miles from Mt. McKinley's base, the lake is an ideal distance (not too close, not too far) to bracket the range in a single shot. The National Park Service provides summer shuttle service to the lake, which makes accessing the park easy. And don't attempt to reach Wonder Lake during the winter: Much of the park is inaccessible for the majority of the year.

Second Place: The Viewing Deck at the Talkeetna Alaskan Lodge

While taking exhausting treks into the wilderness is enjoyable for some, others may prefer to sit back and savor the scenery. If you fall in the latter category, you're in luck: The Talkeetna Alaskan Lodge has an unbelievable view of Mt. McKinley. And from the lodge's viewing deck, the Alaskan landscape may seem even more spectacular with a hot cup of Joe.

San Francisco, CA
Best seen from: Marin Headlands

According to a Cornell University research study, San Francisco is the United States' second-most photographed metropolis, next to New York City. Exposed on the tip of a peninsula, San Fran is inherently photogenic, standing still (usually) for adoring tourists to shoot from all angles. However, its most memorable feature -- the Golden Gate Bridge -- is outside of downtown. Therefore, the iconic "Look at me! I'm in San Fran!" shot, featuring both the bridge and the city, is difficult to capture. But we've done your homework for you and found the sublime spot for this quintessential photo. Across San Francisco Bay from the city, the Marin Headlands rise above the water to offer panoramic views. Here, you can capture the bridge, Alcatraz and the downtown area all in a single image. And since you've made the trek over, you might as well stick around to enjoy the headlands' beaches and hiking trails.

Second Place: Horseshoe Bay

On the east side of the Golden Gate Bridge (opposite the Marin Headlands), Fort Baker was once an army outpost. The soldiers have now relocated elsewhere and a luxury hotel, Cavallo Point, has moved into the officers' homes. Even if you aren't staying at the hotel, you can still adore the view from the dock at Horseshoe Bay, located out front.

Grand Canyon National Park

Best seen from: The Rim Trail

You knew this was coming. It's iconic, breathtaking, unique -- in short, everything that makes the perfect photo-op. Everyone has his or her favorite viewpoint, but we've opted for the Rim Trail, which traces the edge of the South Rim. Along this 13-mile path, you'll catch the classic Grand Canyon panoramas and spot the mighty Colorado River. Be sure to pause at Pima Point along Hermit Road; not only will you get a stellar view, but also you'll hear the rushing Colorado River thousands of feet below.

Second Place: Bright Angel Point

The North Rim attracts fewer visitors than the South Rim and is less developed because of it. However, that doesn't mean you should discount this side of the canyon: Its landscape is equally dramatic, even if it's not as recognizable. Most North Rim travelers venture into the canyon, but we suggest that the less-intrepid guests head to Bright Angel Point for a bird's-eye view and less cliché Grand Canyon shot.

Las Vegas, NV
Best seen from: The Eiffel Tower at Paris Las Vegas

French visitors might be appalled that they won't spy the demur navy roofs and austere cream walls of Paris when they reach the top of this half-size Eiffel Tower. But we Americans can rejoice in the exciting neon-coated capitalism that unfolds below us. Eiffel's replica at Paris Las Vegas places you in the center of Sin City with close views of the Caesars Palace Coliseum, the striking new Cosmopolitan towers, and most memorably, the Bellagio Fountains. You can even spot the Empire State Building of New York-New York Casino, the Luxor Pyramid and Mandalay Bay at the southern end of the Strip. We recommend you visit at dusk to catch not only the desert sunset but also the nighttime illumination of the city. So say goodbye to that dusty old Stratosphere: There's a new high point to Vegas.

Second Place: Mix at Mandalay Bay

Mix at Mandalay Bay is one of several Vegas eateries to garner a Michelin star. However, those other restaurants don't have the perspective that this one does. Perched on the top floor of the resort, Mix looks straight down the Strip. And as Mandalay Bay is the southernmost property, diners can spot nearly every landmark.

Grand Teton National Park

Best seen from: Jenny Lake

While neighboring Yellowstone usually overshadows Grand Teton National Park, the towering peaks of the Teton Mountain Range deserve some of the spotlight. Many travelers feel that the scenery epitomizes the beauty of the American West. The Cathedral Group (which includes the three tallest mountains) presides over majestic valleys and forests filled with elk, wolves and bears. Largely untouched, the area features many unique perspectives waiting to be found, and visitors can venture into the wilderness either on horseback or on foot for these coveted spots. However, we've discovered that you can't go wrong taking pictures at Jenny Lake in the park's dead center. Easily accessed by Jenny Lake Scenic Drive, the lake offers a clear line of sight to the Tetons as well as a reflecting surface. Cathedral Group Turnout, located along the one-way road, is one of the most popular angles.

Second Place: The Snake River

For a scenic activity, adventure seekers should kayak or raft down the park's eastern Snake River. You'll want to whip out your camera at nearly every turn, of which there are plenty. Just don't lose control of your vessel. Instead, pull your craft on shore and take a photo break.

By Joel Fineman, found on Yahoo News

What Does Your Halloween Candy Say's About You?!?!

2011-10-31T09:41:00.000-04:00

Retro candy: Candy Corn, Mary Janes or Tootsie Rolls

It’s a marker of a generation raised in the age of mom and pop candy stores and sweets bought by the pound and for a tuppence (yes, we're basing this off the original "Willy Wonka and the Chocolate Factory"). They're old-fashioned candies that live on through those boomers who grew up on them. Though according to Gawker’s Brian Moylan, the Tootsie Roll has wrangled a young, “very cool and stylish," too.

Granola, raisins and fruits

You’re a natural teacher and caregiver— the kind of person who finds every opportunity to offer a life lesson. But despite you're good intentions you're "not understanding the kid agenda," says Almond, "which is to get as much candy as possible." On behalf of trick or treaters everywhere, thanks for the lesson but now is not the time.

Candy bars

These types of people are crowd-pleasers who makes friends in every situation and throw a mean party. Science can back this up: A recent study published in the Journal of Personality and Social Psychology found that chocolate loves with sweet-tooths were more likely to befriend others and rated “higher in agreeableness.” They also know a good trick or treat candy when they see one.

Peanut butter cups and other chocolate/peanut combos

“Generous souls,” is how Almond describes this demographic, in an article for the Houston Chronicle. “Those who understand the salty in life, as well as the sweet.” Research into salty-sweet cravings suggests a more complicated character breakdown. According to Hirsch, they tend to be creative, private and sometimes misunderstood.

~Courtney Reserve Wishes Everyone A FUN And SAFE Halloween!~

http://www.courtneyreserve.com/ 1-866-492-6268

Steer Clear, Of Whats On This List!

2011-10-26T09:14:00.000-04:00

It's almost that time of year!

You know! TAX TIME!

When people are getting refunds and running straight to the Car Dealers! Well below are a list of th emost UNRELIABLE cars, So steer clear!

recent years, Ford has been a model of American reliability. The brand ranked 10th in our predicted-reliability ranking last year and competed well with Japanese makes. This year, however, the Ford brand has slipped 10 spots, to 20th out of 28 makes. That was the biggest drop for any major nameplate, according to Consumer Reports' 2011 Annual Auto Survey, which is based on subscribers' experiences with 1.3 million vehicles.

Even with Chrysler's improvement, Detroit models still have reliability problems. Of the 97 domestic models and versions for which we have sufficient data, 62 (64 percent) rated average or better in our new-car reliability ratings.

Ford's drop can also be attributed to problems with new technologies: the new MyFord Touch infotainment system and the new automated-manual transmission used in the Fiesta and Focus. Lincoln finished above Ford, although the freshened MKX, a cousin of the Edge, suffered from the MyLincoln Touch system. On the bright side, the Ford Fusion Hybrid sedan remained outstanding, and other Fusion versions were above average.

~Courtney Reserve Staff!

New Study Shows The WORLDS Most Dirty Places....

2011-10-25T12:04:00.000-04:00

So you re the type who laughs at the lady with the wipes in her purse, and the hand sanitizer on her key ring.

Well you might join her after checking this list out.

Gas pump handles turned out to be the filthiest surface that Americans encounter on the way to work, according to a study released on Tuesday by Kimberly-Clark Professional, a unit of personal hygiene giant Kimberly-Clark Corp.

A team of hygienists swabbed hundreds of surfaces around six U.S. cities to see what everyday objects are breeding grounds for the worst bacteria and viruses.

The top offenders, following gas pumps,

were handles on public mailboxes, escalator rails and

ATM buttons.

Closely following on the filthiest list were parking meters and kiosks, crosswalk buttons and buttons on vending machines in shopping malls.

~Courtney Reserve Staff!
919-481-1105

Who Wants To Be A MILLIONAIRE!!!!

2011-10-24T09:38:00.000-04:00

2 Fixes For Your Income...

No Matter What Amount You Bring Home!

Try These Out!

Live Off One Income

One of the advantages of having a life partner is the potential to pull in two incomes. If you are able, consider structuring your set expenses based on only one income, and save what comes in from the other income. Doing so strengthens your financial position in two ways: In case of an emergency or if one partner loses their job, you will not only have less set expenses to cover, but you will also have built up your net worth as a safety measure.

Put Your Money in Appreciating Assets

According to Stanley and Danko, the millionaires in their survey invested nearly 20% of their realized household income each year. Nearly 20% of the household's wealth is held in "transaction securities such as publicly traded stocks and mutual funds" and the millionaires tended to rarely sell their equities. Only a very small number of the millionaires surveyed had ever leased a car; few even drove the current year model. Half of those surveyed had lived in their homes for more than 20 years, which, as the authors point out, means they have likely enjoyed "significant increases in the value of their homes."

*Courtney Reserve Staff!

Enjoy your Monday!!!!

Fall Fest

2011-10-21T15:57:00.000-04:00

Thanks everyone for coming out and making our Fall Fest fun for everybody. We hope you enjoyed the food, games and prizes. Photos of the celebration have been added on facebook and to our blog so go take a look!

Well Happy HOWL-O-WEEN!!!

2011-10-20T10:00:00.000-04:00

Here at Courtney Reserve Apartment Homes we are very pet friendly! And TODAY will be our 4th annual OCTOBER FESTIVAL! All festivites start at 6:00 pm in the Courtney Resevre CLubhouse!

And dont be late beacuse we will be having our

Adult, Child and PET COSTUME CONTEST!

Check out some of the best by far below!

Winnie The Pooh, And FRIENDS!

Bad To The DOG Bone!

Full Cow Boy!

Ride Em'!!!

~ So come on out and show us what you got! See if you can win a BIG PRIZE! ~

The Dollar Bill!

2011-10-19T09:37:00.000-04:00

The Only 2 Financial Rules

You Need Live By.....

There's a lot of great advice out there to saving money. But if it overwhelms you, start with just these two simple rules and you'll be on your way to financial independence.

1. Pay Yourself First: The Best Kind of Cliché

"Pay yourself first" is a very common piece of financial advice. It's simple enough to follow, but that doesn't make it easy
If you can save $200 per month at a 6-percent interest rate, you'll have more than $200,000 in 30 years. At the very least, you'll have a great savings fund at the ready for whatever life may bring. But how can you come up with that cash when you barely have any money left between paychecks
The answer is to take that money off the top. And yes, it'll sting a bit at first.

2. Practice Mindful Spending

Having some leeway in your paycheck isn't a given, but I think many people have more wiggle room than they realize.
This is what I mean when I say that I think $10 is a lot of money. When I decide to buy something, it's a decision, not an impulse buy. I want to spend my money on things that really have value for me, not just things that are convenient or appealing at the moment. So while I can buy something nice once in a while — without guilt — I have a hard time going out for lunch or buying (you guessed it) a latte.
Less expensive purchases are an easy mental hurdle to get over because they're so small it seems that they could hardly amount to anything. The truth is, these seemingly insignificant purchases can easily amount to, or exceed, that $200 you may be aiming to save.

Written By: Tara Struky

*Courtney Reserve Apartment Homes *
1-866-492-6268

Mindless Habits: Causing you to gain weight???

2011-10-18T09:58:00.001-04:00

Do YOU Have Mindless Eating Habits:

Much of our daily eating happens on autopilot. We grab a snack out of the fridge just because we happen to be walking past it. We pick up a greasy lunch on the run during a busy day. We wolf down dinner while catching up on the news. But mindless habits like these aren't waistline-friendly, and minor missteps are a reason some of us can't seem to shake off unwanted pounds. "The most dangerous habits are the ones that feel like they're no big deal," says registered dietitian Dawn Jackson Blatner, author of The Flexitarian Diet. "When people gain weight, they often don't think they've done anything majorly different—and that's probably true. You don't have to do anything major to gain 10 pounds a year."

Nothing dampens the benefits of veggies quite like getting squirt-happy with regular or full-fat dressing. Two tablespoons of ranch, for example, can pack up to 200 calories. Stick with fat-free or low-fat, low-calorie dressings.

You can also add flavor with a squeeze of lemon or balsamic vinegar, or even opt for a less-conventional option like salsa, Greek yogurt, or pico de gallo.

Don't feel obligated to eat everything that's in front of you. Stop eating as soon as you're full, rather than stuffing yourself with unnecessary calories because you don't want to waste food. If there's enough left, save it for lunch or a snack the next day.

* Courtney Reserve Apartment Homes *

www.courtneyreserve.com 1-866-492-6268

Renters Insurance: IMPORTANT UPDATE!

2011-10-17T11:37:00.000-04:00

GET COVERED WITH RENTERS INSURANCE TODAY!

Why Get Renters Insurance???

is very important for those who rent town homes, condominiums, apartments or single-family detached homes to obtain renters insurance as the only sure way to protect their assets in case of fire, theft or similar mishaps. The best way to protect against losing everything is to be prepared. Apartment and condominium fires occur fairly regularly in many metropolitan areas.

These fires make this issue very timely, but the need for such insurance never changes. Here is a thumbnail sketch of what renters insurance is about and why it is so important.

Who needs renters insurance? You do if you rent and have stereos, cameras, computers, clothing, jewelry, bicycles, televisions or other valuables you can't afford to replace if stolen, damaged or destroyed.

ATTENTION:

As of October, 17th 2011 ALL new applicants as well as renewal will have to show proof of renters insurance prior to moving in/ receiving move in keys.

Here is the information for our

preferred renters insurance agency.

Howard Fleming, Allstate Insurance Agent

504 S Main St, Rolesville, NC

(919) 554-1940

My main contact person is Mike (contact info below) He is great!

Michael Smith

michaelsmith1@allstate.com

919-554-1940 Rolesville Office

919-554-1905 Rolesville Fax

919-771-6534 Cell Phone

Think..... PINK!

2011-10-17T10:10:00.000-04:00

Everyone knows that October is Cancer Awareness Month. However everyone doesn't know the simple steps to give yourself a breast cancer screening at home. Also the number one fact about breast cancer that is highly unknown is the fact that it can affect both women and men...... Check out this helpful reminder below:

The 5 Steps Of A Breast Exam:

Step 1: Begin by looking at your breasts in the mirror with your shoulders straight and your arms on your hips.

Here's what you should look for:
Breasts that are their usual size, shape, and color

Breasts that are evenly shaped without visible distortion or swelling

If you see any of the following changes, bring them to your doctor's attention:
Dimpling, puckering, or bulging of the skin
A nipple that has changed position or an inverted nipple (pushed inward instead of sticking out)
Redness, soreness, rash, or swelling

Step 2: Now, raise your arms and look for the same changes.

Step 3: While you're at the mirror, look for any signs of fluid coming out of one or both nipples

~ (this could be a watery, milky, or yellow fluid or blood).

Step 4: Next, feel your breasts while lying down, using your right hand to feel your left breast and then your left hand to feel your right breast.

~Use a firm, smooth touch with the first few finger pads of your hand, keeping the fingers flat and together. Use a circular motion, about the size of a quarter.

~Cover the entire breast from top to bottom, side to side — from your collarbone to the top of your abdomen, and from your armpit to your cleavage.

~Follow a pattern to be sure that you cover the whole breast. You can begin at the nipple, moving in larger and larger circles until you reach the outer edge of the breast. You can also move your fingers up and down vertically, in rows, as if you were mowing a lawn. This up-and-down approach seems to work best for most women. Be sure to feel all the tissue from the front to the back of your breasts: for the skin and tissue just beneath, use light pressure; use medium pressure for tissue in the middle of your breasts; use firm pressure for the deep tissue in the back. When you've reached the deep tissue, you should be able to feel down to your ribcage.

Step 5: Finally, feel your breasts while you

are standing or sitting.

Many women find that the easiest way to feel their breasts is when their skin is wet and slippery, so they like to do this step in the shower. Cover your entire breast, using the same hand movements described in Step 4.

~Courtney Reserve Apartment Homes
http://www.courtneryeserve.com/
1-866-492-6268

Bad Work Habits, Do YOU Have Any?!?

2011-10-14T09:58:00.000-04:00

Experts agree that in the current employment climate, bad behavior is becoming less and less something employers tolerate -- and more of a fireable offense. "For every one of you, there are a 100 people lining up to take your job," says Kiki Weingarten, an executive career coach based in New York City. "Employers are more able than ever to be as picky as they want."

Habit: You're addicted to email

In meetings, with clients, with your boss, you just can't stop scrolling through your BlackBerry. You think you're being productive by making sure you don't miss a message while stuck in the weekly sales meeting but your colleagues (particularly those speaking) see it as a personal insult. Constantly checking your smart phone conveys a real sense of arrogance, says Princeton, New Jersey-based communication coach Matt Eventoff.

Habit: You're a brown-noser

Nobody likes a kiss-up, and in the office one too many well-placed compliments could leave you with this reviled reputation. Say yes to everything a higher-up asks for, and your teammates will easily resent your enthusiasm. Even worse, your boss might see through your constant congratulations and think you more a nuisance than a constructive team-member.

Habit: You're a busy-body

Do you mind your own business or is your ear constantly perked for the latest gossip or office happenings? Check yourself. You habit of needing to be in the know is likely a source of stress for your coworkers. Whether it's the movement of colleagues within the company or who's meeting who for post-work cocktails, making everything your business spells trouble.

You're a multi-tasking mess

Technology has made multi-tasking the norm in most workplaces, but experts say it's causing more problems than productivity. If you've been caught more than once missing pertinent information in emails or correspondence — especially deadlines, dollar signs or project elements—it might be a sign you're not as skilled at juggling tasks as you think, according to Roy Cohen, career consultant and author of "The Wall Street Professional's Survival Guide."

* So Let's Put Our BEST WORK FOOT FORWARD TODAY!

~Courtney Reserve Apartment Homes, www.courtneyreserve.com 919-481-1105

Lets Get OLD, With CLEANING!

2011-10-13T09:49:00.000-04:00

The Top OLD FASHIONED Tips

That REALLY WORK!!!

When it comes to keeping house, our grandmothers had it figured out—and they did so on a dime!

Here are some fast and thrifty solutions your grandma probably figured out long ago.

Stained Tupperware

Tupperware often stains after we put something with a lot of color—usually a tomato-based sauce—in the container. According to the Farmer’s Almanac, a great way to get rid of the stain is to take a wet cloth and scrub it away with baking soda. (Like white vinegar, baking soda plays prominently in many homemade cleaning solutions.) Another way to rid the color is to fill the Tupperware with water and drop in denture cleaning tablets, wait twenty or so minutes, and rinse out.

The Ants Are Attacking!

Ants usually invade the home when it’s rainy outside, though they can strike at any time they’re attracted to something sweet. Although there are numerous chemical solutions to get rid of them, many are toxic and shouldn’t be used around small children or pets. The Reader’s Digest book suggests an easy solution: grits. They expand in the ants’ stomachs and kill them. You can also try dried spearmint or peppermint near the spot where they’re coming in your house.

White Rings on the Table

I don’t own any wood furniture that hasn’t seen its share of wear and tear, but I know there are some people out there who strive for the shiny wood upon which no cold or hot container shall rest. But sometimes we forget the coasters (especially during parties) and that can ruin a clean grain. If this happens, make a paste of salad oil and salt and rub it into the ring that remains on the table. Let it sit for about an hour then wipe off with a cloth. Petroleum jelly, left on for a day, can also work. Another home remedy is a hot, dry iron and a cotton cloth. Fold the cloth over the stains, put the hot iron over the spot, move it around, and after about thirty seconds, the stains should be gone.

Dirty Drain or Small Clog

Without a garbage disposal, drains can get funky pretty fast. Even with a disposal, drains need a cleaning from the gunk that builds up. Try this: pour about 1/4 cup of baking soda down the drain followed by 1/2 cup of white vinegar. Cover with an upside down cup while it fizzes. Leave for about twenty minutes and flush out with four or so cups of boiling hot water. Your drain will be clean and gunk-free. If the drain is still moving slowly and has a serious clog, instead of a harsh chemical try using your bathroom plunger to loosen up the clog—works every time!

So Let's Get Cleaning The RIGHT WAY!

~Courtney Reserve Apartment Homes!

www.courtneyreserve.com

1-866-492-6268

Surprising Foods That BOOST Immunity

2011-10-12T09:52:00.000-04:00

Shocking!

Did YOU Know About This Immune BOOSTING FOODS??!!??

You’ve probably heard that orange juice and chicken soup can help kick a cold or combat the flu, but there are less obvious (and more appetizing) mealtime choices that help an ailing immune system. Below are five surprising foods that you might want to toss in your shopping cart the next time you feel a tickle in your throat.

Kefir/Yogurt

Many yogurts and almost all kefir, a fermented milk product, contain probiotics, the so-called “good” bacteria. These bacteria alter how the immune system in the digestive tract reacts to microorganisms. Studies have found that probiotics can help with diarrhea and other intestinal disorders. Although more research is needed, probiotics may also help reduce the severity of colds and the flu, according to the Mayo Clinic. Opt for the yogurt and kefir that contain live and active probiotics to make sure you’re reaping the benefits of these miracle-workers.

Black/Green Tea

A hot cup of tea can help soothe a sore throat and lift spirits, but green and black teas are also a good source of polyphenols, or plant antioxidants, that can help prevent free radical damage in the body. In the lab, compounds in green tea have been shown to inhibit viral replication, which may aid in defending against cold and flu. In addition, a Harvard study found that people who drank five cups of black tea had elevated levels of a compound that can help ward off infections like viruses. The benefits also pertain to decaf black and green teas, so you don’t have to over-caffeinate while loading up on the good stuff.

Garlic

Garlic is indispensible in the kitchen but has recently received widespread attention for its potential in disease-prevention and immune-boosting properties. Although some of the claims are certainly oversold, garlic has shown some promise when it comes to warding off infections. It’s believed that the sulfur-containing compound allicin could function as an antibacterial and antiviral agent. In one study, British researchers found that people who took a garlic supplement regularly were two-thirds less likely to catch a cold than those who took a placebo. The best way to reap garlic’s benefits, however, is consuming it raw or freshly processed.

Orange-Fleshed Vegetables

Pumpkins, sweet potatoes, squash, and other orange-fleshed vegetables are high in beta carotene, which the body uses to make Vitamin A. A diet low in beta carotene can suppress the immune system, so stocking up on these fall veggies is a great way to ensure your body has the nutrients it needs. Vitamin A also is important in keeping the skin healthy, which is our body’s first line of defense against disease-causing microorganisms.

~ So Stay Well All, And Enjoy Your Day! ~

Courtney Reserve Apartment Homes!

1-866-492-6268 www.courtneyreserve.com

Way's To Increase Your Child's Success In School!

2011-10-11T13:35:00.000-04:00

Academic success impacts our children for the rest of their lives: it influences their self-esteem, college selections, job attainment, financial success, and even their choice of spouses. It’s no wonder we go great lengths to give our kids an academic edge. But the good news is that parents can give their kids the edge they need without the help of elite preschools, expensive tutors, or pricey evaluations.

Make sure your kids are getting enough ZZZ’s.
A lack of sleep can have a serious impact on children’s abilities to learn and perform at school. Here's proof. So set a bedtime routine and keep to it every single night. Flashing images affect REM, so be sure to turn off the computer and television at least thirty minutes prior to bedtime. Take away the cell phones during nighttime hours—62% of kids admit they use it after the lights go out and their parents are clueless. Watch out for caffeinated sleep stealers like cold medications, chocolate, or energy-drinks.

Applaud their efforts the right way. Columbia University researchers found that how we praise our kids’ schoolwork can actually enhance or impede their achievement. So instead of encouraging your child to bring home straight A’s, put the emphasis on how hard she is working. This will encourage her to persist and it will help to sustain her motivation. The findings are that kids who are praised for their persistence are more likely to blame any failure they have on not trying hard enough, rather than on a lack of ability (a belief which can discourage kids very easily). Above all, keep in mind that the grade is not what motivates top students to succeed- it’s their drive for learning.

Respect their learning style. If your son insists on plugging into his iPod when he studies, or if your daughter swears that flash cards are the only way she can learn her spelling words- listen up! While you may prefer a quiet room with no distractions when it comes to getting work done, that doesn’t mean it’s the best way for your kids to concentrate and get down to business.

Best Of L uck To All The Parents Out There! : )
Courtney Reserve Apartment Homes! READY SET SAVE!
http://www.courtneyreserve.com/ 1-866-492-6268

FINANCALLY FIT: How To Score FREE STUFF!

2011-10-10T10:05:00.000-04:00

Who doesn't love getting something for free?

Psychologically, we sometimes can't help ourselves when we see a freebie.

Freebies are irresistible and down right AWESOME! So lets explore shall we........

Free Kids' Food

Many restaurants will let kids eat for free on certain nights of the week. I found a pretty comprehensive list at FrugalLiving.TV: On Mondays, for instance, you can get free kids' meals at IHOP, Denny's, Pizza Hut and TGIFridays. Accompanying adults, of course, need to order too — and pay full price

Free Chocolate

Rewards clubs sometimes offer monthly freebies — often with no cost to sign up. Signing up for Godiva's Chocolate Rewards Club, for instance, will get you a free piece of chocolate each month. (Godiva, of course, hopes you'll buy more — but you don't have to.) Want more? By shopping at Lindt stores and signing up for Lindt's Chocolate Connoisseur's Club, you can earn points toward free chocolate. Newsletter recipients also get invitations to tasting events.

Free E-books

Save $10 per download by borrowing e-books from your local library, two-thirds of which now offer e-book borrowing. You can also borrow eBooks for free from Barnes & Noble's LendMe service, via Amazon's Kindle (which also offers free downloads of classic books), Project Gutenberg and Daily Lit, among other Web site.

Free Flu Shots

CVS Caremark, in a partnership with Direct Relief USA, has announced it will be continuing its free flu shot program this year for community clinic and health center patients who don't have health insurance. Here's the list of participating clinics and health centers where you can obtain your free flu shot voucher.http://www.cvs.com/CVSApp/cvscontent/landingpages/rx/rx11021_flu/clinic.pdf

Check with your local hospital or health department for other ways to obtain a free flu shot. For example, the Kansas City Missouri Health Department recently began offering free flu shots for children ages 2 through 18 who do not have insurance or whose insurance does not cover flu vaccinations.

*Enjoy FREE All Year Long!*

Let Us Know How You Like It!

~Courtney Reserve Apartment Homes~

http://www.courtneyreserve.com/ 1-866-492-6268

Attention Residents

2011-10-07T12:29:00.001-04:00

Unfortunately, we are no longer able to provide our residents with replacement light bulbs. You can purchase a light bulb through us or at any local store that provides light bulbs and we will be more than happy to install it for you. New residents will receive a 30 day period in which we are able to provide a replacement light bulb but after that 30 days they will need to provide there own light bulbs for replacement. Thank you and we hope you are enjoying the beautiful weather!

Is YOUR Workout Not Working?!?

2011-10-05T10:00:00.000-04:00

There's an old fitness joke that goes like this: You know your workout is terrible if you do arm curls in the squat rack. Okay, this isn't really a joke. It’s a "nice" way of telling people that they shouldn't curl in the squat rack. (See, it makes the strong dudes really mad. Is this on? Tap, tap, tap.)

But seriously folks, no routine is perfect. And I've found three not-so obvious ways to tell if your workout needs work. Will your exercise plan pass -- or fail?

Below is how you know you need to try something new!

You sit or lie down for more than two exercises

Most gyms are filled with places to park your butt. But a funny thing: The benches and seats aren't there so you can rest between exercises. (Most people do.) Apparently, they're there so that you can rest as you exercise. For example, the leg press, leg extension, and leg curl all require you to sit or lie down so that you can work your lower body muscles. "It doesn't make sense," says Alwyn Cosgrove, C.S.C.S., co-owner of Results Fitness in Santa Clarita, California. "People sit all day, and then they go to the gym and sit there, too.

You're not playing the right percentages

Here's a quick quiz:

Question 1: How many total sets of exercises do you do for your lower body each week? For instance, if you do three sets of the squat on Monday, and three sets of the lunge on Friday, that's six total sets. (Duh.)

Question 2: How many total sets of all exercises do you do each week? This includes everything: lunges, squats, bench presses, pullups, curls -- you name it.

Now divide your answer in Question 1 by your answer in Question 2. Keep that number in mind.

Question 3: What percentage of your body's muscle resides below your waist? Hint: Probably around 50 percent or more, right?

Final question: How does the percentage you calculated earlier compare to your answer in Question 3? "If there's a big difference, your workout is probably way out of balance," says Cosgrove. "Whether you're trying to lose fat or build muscle, you're missing out on a huge opportunity to improve your results."

So get moving and keep moving!

Change what you need to change today and see the results!

~Courtney Reserve Staff

http://www.courtneyreserve.com/

B.C.A.M : Breast Cancer Awarness Month READ MORE!

2011-10-04T10:27:00.000-04:00

Breast cancer is the most common cancer in women in the United States, aside from skin cancer. According to the American Cancer Society (ACS), an estimated 192,370 new cases of invasive breast cancer are expected to be diagnosed among women in the United States this year. An estimated 40,170 women are expected to die from the disease in 2009 alone. Today, there are about 2.5 million breast cancer survivors living in the United States.

If you're worried about developing breast cancer, or if you know someone who has been diagnosed with the disease, one way to deal with your concerns is to get as much information as possible. In this section you'll find important background information about what breast cancer is and how it develops.

Breast cancer is a malignant tumor that grows in one or both of the breasts. Breast cancer usually develops in the ducts or lobules, also known as the milk-producing areas of the breast.

Breast cancer is the second leading cause of cancer death in women (after lung cancer). Although African-American women have a slightly lower incidence of breast cancer after age 40 than Caucasian women, they have a slightly higher incidence rate of breast cancer before age 40. However, African-American women are more likely to die from breast cancer at every age. Breast cancer is much less common in males; by comparison, the disease is about 100 times more common among women. According to the American Cancer Society, an estimated 1,910 new cases of invasive breast cancer are expected to be diagnosed among men in the United States in 2009.

So What Can YOU Do???

Tips for Passing the Word for community planners

•Contact your local hospital or mammography facilities to find speakers who are experts in the early detection of breast cancer for your events.

•Partner with a mammography facility to make screening appointments for women while they are attending your event.

•Contact the Breast Cancer Resource Committee or the National Medical Association for information and tips on reaching African American women.

•Post information on bulletin boards at local community centers, places of worship, the library, and post office.

•Exhibit or post materials at the county fair or health fairs, which are popular in the fall.

•Take advantage of "back-to-school" shopping in August to alert mall shoppers to upcoming activities for October.

•To reach older women, work through senior centers, senior newspapers, and retirement homes.

Natural Ways To Beat The BLUES....

2011-10-03T10:33:00.000-04:00

Everyone gets the blues from time to time. In fact, according to the National Institute of Mental Health, major depressive disorder (also known as depression) affects 7 percent of adult Americans every year, and chronic, mild depression affects 2 percent.

The good news is you may not have to turn to drugs to combat the blues.

~ GET MOVING:
A regular dose of exercise may be just what you need to ease the first signs of depression or anxiety.

~ EAT SMART:
The foods you choose can also affect your mood. "Low levels or actual deficiency of such nutrients as omega-3 fatty acids, zinc, selenium, chromium, vitamin D, and the B vitamins folic acid and B12 are all associated with human depressive symptoms," says Alan C. Logan, naturopathic physician and author of The Brain Diet (Cumberland House, 2007).

~ DO YOGA:
When your body relaxes, it can help you see the world from a rosier perspective. One way to achieve effective relaxation is through the increasingly popular practice of yoga.

~ WRITE IT DOWN:
Getting your feelings out, be it in a letter or journal entry, or through creative writing, can provide insight into your feelings and give you perspective on how to let go of destructive emotions.

~ BE POSITVIE AND MINDFUL:
Trying to think positively, even during down times, can also affect your mood. Start by making a list of all the things in your life that you appreciate — the results may surprise you.

*Courtney Reserve, http://www.courtneyreserve.com/ 1-866-492-6862

Eat THIS! Not THAT!

2011-09-28T10:17:00.000-04:00

Why do some people seem naturally thin—able to torch cheeseburgers instantly and never gain a pound? And why do some of us—okay, most of us—sweat and diet and sweat and diet some more, and never lose enough to get the body we want?

Because those “naturally thin” people actually live by a series of laws that keep them from ever gaining weight. And if you know their secrets, you can indulge and enjoy and never gain another pound as long as you live.

In a recent European study, people who ate moderately high levels of protein were twice as likely to lose weight and keep it off as those who didn’t eat much protein.

A New England Journal of Medicine study looked at a variety of eating plans and discovered that eating a diet high in protein and low in refined starches (like white bread) was the most effective for weight loss. Protein works on two levels: First, you burn more calories to digest it. Second, because your body has to work harder to digest a Big Mac than, say, a Ho Ho, you stay fuller longer.

LAW #6: Lean People Move Around

I don’t mean climbing Kilimanjaro, breaking the tape at the Boston Marathon, or spending 24 hours at 24 Hour Fitness. I mean going for a short bike ride (20 minutes burns 200 calories), taking a leisurely walk (145 calories every 51 minutes), wrestling with your kids (another 100 calories smoked in 22 minutes), or fishing (there’s 150 calories gone in an hour—even more if you actually catch something).

*Tip's To Lean Living*

~Courtney Reserve Apartment Homes http://www.courtneyreserve.com/ 1-866-492-66268

Moving? Try These Steps!

2011-09-27T10:35:00.000-04:00

There’s a reason why you’re expected to tip movers: moving is strenuous, demanding work!

But if you’re intending to take on a move yourself, there are things you can do to prepare your body for hauling all those boxes on and off the truck. Here are some tips to help ensure your health and safety on moving day.

Avoid loading too much in one box. It can be tempting to stuff as much into a box as possible (especially if you’re paying for boxes). But with books, for example, the weight can really add up. As you’re packing, periodically lift a box to make sure it can still comfortably BE lifted.

Rent or borrow a dolly. Rent dollies or hand trucks from your moving truck provider, local home-improvement store, or perhaps from your apartment community. These important tools will spare you a lot of lifting and help you move heavy things around much more easily.

Protect your back! This means:

•Squatting, rather than bending over, to pick up heavy items

•Keeping weight close to your body with your feet apart

•Avoiding having to jerk, twist, or move suddenly

•Turning with your whole body, not just at the waist, while holding something heavy

Depending on how much lifting you expect to do, you might also want to wear a back brace on moving day for added support.

Stay hydrated. One of your best pre-move buys might be a case of bottled water or sports drinks. While you might not have any trouble following this advice in the summer, it also applies to colder weather, when you’ll be sweating underneath your warm clothes. Also, have energy bars or other high-protein snacks on hand for a pick-me-up between meals.

Pace yourself and take breaks.

This is easier, obviously, if you have plenty of time to allot for the move, but if you’re pressed for time, you still want to make sure to catch your breath now and then.

If you have friends helping, it might make sense to stagger their arrivals, rather than have everyone on the scene all day. Latecomers can join in while they’re fresh, while people who were working in the morning can take a break.

Dress appropriately.

Wear comfortable clothes and closed-toe, non-skid shoes. If it’s been raining and the ground is slippery, you may need to lay down non-slip mats to help keep sure footing.

Have first-aid equipment on hand, namely bandages, antibiotic ointment to treat cuts, antiseptic towelettes or wipes, and a cold pack. Make sure you know the signs of heatstroke, and ensure your cell phone has a full battery, in case you need to make an emergency call.

*Thanks to Apartment Guide and Courtney Reserve*

LEASE TODAY!, FREE Cable/Washer/Dryer! 1-866-492-6268

The GQ Fall Fashion Trends!

2011-09-26T09:52:00.000-04:00

Well "MEN" Fashion Forward Fall Trends Are Not Just For Women!

So check below for what the well-dressed gentleman will be wearing this season, how to throw it on with style, and where you can shop the trends right now!!!

The slightly swankier, more elegant, more mogul-feeling, impress-the-heck-out-of-people dressing. Whether it's a colored sock or a double-breasted or a turtleneck or a new way to wear a sportcoat, the whole season is about taking some risks, but also showing guys how to do it confidently.

Today this most classic of menswear looks is getting a twenty-first-century jolt, thanks to a handful of creative tie designers. The color combinations are edgier and the tie width has shrunk, so you can feel meaner and leaner.

GET BRIFED! There's something cool about a guy that carries a briefcase. It gives you a secret agent mojo."

The more classic and traditional the profile of the shoe, the cooler it will look."

*You can check out H & M, Target and Sears for the "LOOKS" of Fall Fashion 2011!

~Courtney Reserve Apartment Homes!

Exciting News For Restaurant Lovers

2011-09-22T14:04:00.000-04:00

Two local food vendors have decided to give Courtney Reserve residents 10% off for just being awesome! Amantes Pizza and Yolo Yogurt Cafe will give you 10% your order if you let them know you live at Courtney Reserve Apartments. Both places are located at the end of the Harris Teeter Shopping Center. Enjoy!

How Do You Like Your Coffee?

2011-09-22T10:46:00.000-04:00

Starbucks is celebrating their 40th birthday, and to commemorate they’ve asked Alexander Wang, Sophie Theallet, and Billy Reid, the recipients of the past three annual CFDA/Vogue Fashion Fund awards, to design limited edition t-shirts for the brand. The tees are currently available at StarbucksStore.com and select Nordstrom locations for a very pricey $85. Do they not realize it's a recession? We can't even spend $85 on our close friends for their birthdays, so why would we give it to Starbucks for theirs?

All of the tees incorporate the company logos and Alexander Wang decided to do so with a coffee stain design that bleeds into the Starbucks Siren. Funny? Slightly. But we think the joke is on you if you spend $85 to wear a designer coffee stain that promotes Starbucks.

The other thing that makes us sad is that Starbucks tries to act like they did some great thing by selecting Vogue Fashion Fund award winners to make these t-shirts. The Vogue Fashion Fund gives annual grants to support emerging designers. But Alexander Wang is now a well established, successful designer and NONE of the proceeds of these expensive t-shirts go to anything other than Starbucks.

Well, Happy birthday, Starbucks, but consider our skim latte your birthday gift. Maybe we'll even spill it on ourselves for free.

Lap Of Luxury!

2011-09-20T10:00:00.000-04:00

Television talk-show hosts do more than read monologues and toss softball questions at celebrities. The top players in this field also collect enormous paychecks. The website CelebrityNetWorth.com puts the net worth of Conan O’Brien at $75 million, and both Ellen DeGeneres and Glenn Beck earn $85 million each, for example.

The net worth of Jay Leno and Larry King are both pegged at $150 million each, according to the same source.

Clearly, these celebrated TV personalities can afford a fabulous home ... or two or three. The following homes, with information and photos supplied by Trulia.com, have price tags ranging from a relatively modest $2.2 million up to $60 million, spanning styles from a Vermont farmhouse and horse property to a glamorous Malibu beach home.

Lets Take A Look!!!

Can You Feel The Love Tonight?!?!?

2011-09-19T10:05:00.000-04:00

It's 1994 all over again, with a re-release of "The Lion King" opening at the top of the box office.

A 3-D version of the wildly popular Disney animated musical earned a surprising $29.3 million in its first weekend in theaters, according to Sunday estimates. The original film made more than $40 million when it opened nationwide 17 years ago.

This huge number stunned many people, including the folks at Disney, who figured "The Lion King" would make somewhere between $10 million and $12 million, said Dave Hollis, the studio's executive vice president of distribution.

He said the movie remains relevant and as entertaining as it was when it first came out.

came from 3-D showings.

The story of a wrongly exiled lion prince (voiced by Jonathan Taylor Thomas as a cub and Matthew Broderick as an adult) who must return home to claim his throne, "The Lion King" was the second-highest-grossing film of 1994, behind "Forrest Gump."

It ranks fourth on the all-time animated list with over $784 million. It earned Academy Awards for Hans Zimmer's original score and for original song for Elton John and Tim Rice's "Can You Feel the Love Tonight."

~So go feel the love tonight! This showing only lasts for 2 weeks!
Courtney Reserve Staff

SmartPhones That Are Worth It!

2011-09-16T09:41:00.001-04:00

The true cost of any smartphone is considerably more than the amount you shell out for the actual device. Free or deeply discounted smartphones won’t necessarily translate to savings in the long run.

When making a purchasing decision, it is essential to evaluate the carrier commitment, contract length, monthly subscription fee (including the data plan) and an assortment of other costs. And if you are loyal to a particular carrier or are willing to pay more for added coverage and reliability, it’s important to understand which devices are the best out of the dozens they are trying to give away in exchange for your long-term commitment.
So, all in, which smartphones offer the best bang for your buck? Here are some options currently available from the four major cellular carriers, as well as the best deals that don’t involve a long-term contrac

The best deals from higher-end carriers

While Verizon and AT&T are the most popular and reliable cellular networks in the United States, they are also the most expensive. Depending on your calling plan, text messaging frequency and data usage, your monthly bill will likely range between $80 and $100 for the duration of your required two-year contract.
If you are looking to subsidize this higher monthly cost with a free or highly discounted device worth owning, Verizon has compelling options for work, play and daily use. The best deal for busy professionals is a free, certified and pre-owned BlackBerry Curve 3G 9330. With a usual retail price of $299.99, the Curve 9330 offers enterprise-level messaging and productivity features cherished by new and long-term BlackBerry owners.

One additional advantage offered by Sprint is unlimited data usage on its network (as opposed to tiered plans recently implemented by the bigger carriers). This is great for people who want to stream a lot of data when away from a Wi-Fi connection. Far and away the best deal for new Sprint customers right now is the fast and powerful Nexus S 4G, which is manufactured by Samsung and available for as little as $29.99.

~Courtney Reserve Staff~

Teen Drivers.... What Do YOU Think?

2011-09-15T10:15:00.001-04:00

Researchers at the University of North Carolina are evaluating whether graduated driver's licensing programs adopted across the United States are effective at saving teen motorists' lives.

In the past decade, wrecks killed more than 23,000 teenage drivers and 14,000 of their passengers. Graduated license programs hope to give teens more time to learn the rules of the road and increase their driving skills.

"The idea is to let them get some experience under their belts before we expose them to the full risks of driving," said Scott V. Masten, a doctoral researcher with the California Department of Motor Vehicles.

Some states allow a 16-year-old to be fully licensed. California allows full driver's licenses by age 17. North Carolina lifts all restrictions when the driver is age 18.

Dzenta Delic has been driving for two years, graduating from a permit to a full license.

"I started with my dad, and he taught me the rules.

My mom let me drive her car, and so that was a real big step," Delic said. "When they felt I was ready, they let me take my test."

Researchers with the California DMV examined data from 22 years of fatal crashes with teenage drivers nationwide

They found that graduated license programs saved lives among 16-year-old drivers. "They're also associated with an increase in fatalities among 18-year-old drivers," Masten said.

"We find that the benefits aren't as large as we had hoped they would be when we implemented these programs nationwide," he said of the study, which appears in the Journal of the American Medical Association.

What Do YOU Think? Should we not let kids drive until the age of 18? Should we throw out the idea of permits? Let us know! *Courtney Reserve Staff*

Courtney Reserve's Dish Of The Week!

2011-09-13T09:49:00.000-04:00

You won't heat up the kitchen during the summer when you prepare this easy one-dish meal. By using an already cooked roast you can cook this stew quickly. Cut the vegetables into bite-size pieces for the quickest cooking. This beef, carrots, potatoes, and fire-roasted tomatoes recipe can be ready to serve in less than 30 minutes.

Ingredients

1 17-oz. pkg. refrigerated cooked beef roast au jus

1 8-oz. pkg. peeled fresh baby carrots, sliced

3-1/2 cups water

1/2 of a 16-oz. pkg. refrigerated rosemary-and-roasted garlic-seasoned, diced red-skinned potatoes (about 2 cups)

1 14.5-oz. can diced fire-roasted tomatoes with garlic

2 Tbsp. snipped fresh oregano

Directions

1.Pour juices from beef roast into large saucepan; set meat aside. Add carrots and 1 cup water to saucepan; bring to boiling. Reduce heat and simmer, covered, 3 minutes. Add remaining water, potatoes, tomatoes ,and 1 tablespoon oregano. Return to boiling; cover. Simmer 3 minutes or until vegetables are tender. Break beef into bite-size pieces and add to stew; heat through. Season with salt.

2.Spoon into shallow bowls; top with freshly ground black pepper and remaining oregano. Makes 4 servings.

*Courtney Reserve Apartment Homes*

http://www.courtneyreserve.com/

9/11 Memorial To Open To The Public

2011-09-12T10:04:00.000-04:00

NEW YORK — The plot of land known for a decade as "the pile," ''the pit" and "ground zero" is opening to the public for the first time since that terrible morning in 2001, transformed into a memorial consisting of two serene reflecting pools ringed by the chiseled-in-bronze names of the nearly 3,000 souls lost.

The 9/11 memorial plaza planned to open its gates at 10 a.m. Monday under tight security. Visitors will be allowed to walk among hundreds of white oak trees on the eight-acre site and gaze at the water on the exact spots where the World Trade Center's twin towers stood.

They will also be able to run their fingers over the engraved names of the 2,977 people killed in the terrorist attacks in New York, at the Pentagon and in Pennsylvania, as well as the six slain during the bombing of the trade center in 1993. Electronic directories with a "Find a Name" button will help people locate their loved ones.

The memorial plaza opened to the families of the victims for the first time on Sunday, the 10th anniversary of the attacks.

Fall T.V! : ) Watch & See

2011-09-09T10:20:00.000-04:00

The nerve of these networks -- a "Charlie's Angels" reboot? Swinging '60s Playboy bunnies and stewardesses quivering on the cusp of workplace liberation? Simon Cowell? Oh yes, shameless guilty pleasures come this fall, garnering plenty of open-mouthed buzz and online attention. Now, don't mistake nerve for truly daring programming -- that's often left to the cable guys coming up with grit-encrusted, critical faves like "Boss" (Starz), "Homeland" (Showtime), or "Hell on Wheels" (AMC). Still, one of these does make the Top 10 most anticipated shows (as determined by searches from the past 30 days). Incidentally, while dramas pretty much hog the top 10 spots, comedies like "2 Broke Girls" (CBS), "New Girl" (Fox), and "Last Man Standing" (ABC) were right on their tails.

~ Courtney Reserve Staff

Selling A Home?!? Try this FIRST!

2011-09-08T09:46:00.000-04:00

Things are looking cautiously optimistic for the housing market, but what can sellers do to help close the deal? *AND MOVE ON OVER TO COURTNEY RESERVE!*

hint hint!

Local real estate agent Rupert Bryan says going beyond the touch-ups to get a home ready for showing can help.For example, in the kitchen, granite counter tops are popular. He also recommends improving counter space and organizing cabinets to maximize space.

In the bathroom, Bryan says, people want tile, high counter tops and amenities like jacuzzi tubs.

"If you were to flip a home – buy it and try to make a profit – (the kitchen and master bathroom) is probably where all your money would go to," he said.

But don't forget about the outside of the home. Reconsider the landscaping.

"That's the first thing they see when they come in and the last thing they see when they leave," he said.

Besides home improvements, Bryan offers these other recommendations: De-clutter and de-personalize your home, and consider renting storage space, if necessary. It's also a good idea, he says, to repaint walls in neutral colors.

By taking these steps, he says, it allows buyers to better envision what the home would be like for them.

~Courtney Reserve Staff!

Weekend Plans?!?

2011-09-02T10:09:00.000-04:00

Weekend Plans?!?

African American Cultural Festival,

free concerts, more....

The second annual African American Cultural Festival will take over downtown Raleigh this Saturday and Sunday. You'll find African American art and culture along City Plaza, Charter Square and the 300 and 400 blocks of Fayetteville Street from 11 a.m. to 6 pm Saturday and 1 p.m. to 6 p.m. Sunday. There will be an arts and crafts market, specialty food vendors and a special area for families. The family-friendly Family Village will feature performances and educational, interactive programming for school-aged children. Highlights here include the Kenya Safari Acrobats, the African American Quilter Circle, Obakunle, and more. The Family Village will be on the 300 block of Fayetteville Street.

The N.C. Symphony will host a Free Pops in the City concert at 7:30 p.m. Sunday at the Raleigh Amphitheater in downtown Raleigh. The concert will feature classical masterworks to all-American marches along with a few selections from such contemporary composers as John Williams and Andrew Lloyd Webber. The concert helps to launch the symphony's 2011-12 season,

The Raleigh City Museum in downtown Raleigh will present Trains, Trolleys and Trikes: Raleigh and the Evolution of Transportation from 1 p.m. to 4 p.m. Saturday. Learn basic bicycle maintenance, play with old toy cars and play a game of horseshoes. It's free.

Cat's Cradle in Carrboro will have an all ages show featuring Abbey Road LIVE! playing the best of the Beatles. Doors open at 10:30 a.m. Monday. Show starts at 11 a.m. Tickets are $7 for kids and $10 for adults.

*Courtney Reserve Staff*

Cary News!

2011-09-01T09:38:00.000-04:00

CARY, N.C. — Train travelers in Cary have a new place to await Amtrak passenger service between Charlotte and the Northeast.

The new full-service depot opens TODAY!

Thursday at 6 a.m.

A statement from the town says the expanded 6,200-square-foot depot in downtown Cary includes free short- and long-term parking and an enclosed bus waiting area.

The station now has an on-duty Amtrak agent, automated ticket kiosk and checked baggage service. New outside benches and platform shelters have been added

Eight trains provide daily service from the Cary to Charlotte and 11 other North Carolina cities, to Florida and to the Northeast.

A formal ribbon-cutting ceremony and dedication will be held on Oct. 3.

~ Courtney Reserve Staff

Cooking Tip's .... From Your Apartment Microwave! : )

2011-08-30T10:12:00.000-04:00

Cooking Tip's

For Your Apartment Microwave!

Though many of us only use the microwave oven for heating up a cup of coffee or popping popcorn, there are a lot of other cooking tasks it can handle well.

Read on for ways to make your microwave really earn its counter space.

Do baking prep and side dishes faster:

Consider making your microwave oven a prep cook in your kitchen. It can skillfully handle simple heating tasks. You can soften and melt butter or chocolate for your favorite baking recipes; whip up a quick applesauce with chopped apples, cinnamon and sugar; and steam any kind of vegetable with a bit of water and a covered dish. Using your microwave for these kitchen tasks will cut the time and effort of all your baking and cooking efforts considerably.

Fun with potatoes

There are few starches as versatile as the potato, but they can take a while to cook. Did you know you can make baked potatoes quickly and easily in your microwave oven? Coat a whole potato with olive oil, prick the skin with a fork, and cook from 10-14 minutes, or until an inserted knife comes out clean. You can stop there, or carefully scoop the potato flesh out of its jacket; mix with butter, shredded cheese, crumbled bacon, chopped green onion, and sour cream; and put the mixture back into the potato skin. Microwave for another minute or two, and you have a fast and delicious version of twice-baked potatoes.

You can also make potato chips in a microwave oven by slicing a potato into paper thin pieces, coating the slices in oil in a plastic bag, and then cooking the slices on a dinner plate coated with oil or cooking spray for three or four minutes until brown and crisp.

Sprinkle with salt and eat!

There are so many great microwave recipes to choose from. Start building your own microwave recipe file now!

General tips

There are a number of tried-and-true cooking tips to keep in mind when using your microwave oven:

•Underestimate cooking time the first time you use a recipe. (You can add cooking time, but you can’t “uncook” food that you have left in for too long.)

•Add salt after the food is cooked so that it doesn’t toughen.

•Use a paper towel draped over a dish or bowl to hold in moisture.

•Cut food into small pieces for quick, even cooking.

•Use a round or oval dish for best heat distribution.

•Prick tomatoes, apples, eggs and potatoes to keep them from popping.

•Stir foods at intervals during cooking time to distribute heat.

•Avoid heating food for very long in plastic (including wrap), unless it is specifically labeled “microwave safe.” (Microwave-safe glass and ceramics are best.)

Ready to do more with your microwave oven than warm up your cup of coffee? This little appliance is one that nearly every kitchen has and that so many of us underutilize. Make the microwave work for you and be a happier, less-stressed and better-fed cook!

* Courtney Reserve Staff *

Workout Mistakes.....

2011-08-29T09:36:00.000-04:00

When you stick to a routine, it's easy to become, well, stuck. If you're not trimming down, toning up, or feeling any fitter, it's likely due to one of the following exercise errors. Read on for how to reboot -- and get the body you want, pronto!

Mistake #1: You Rely on Cardio to Peel Off Pounds

To drop a pound, which is 3,500 calories, in one week, aim to eat 300 fewer calories every day (300 x 7 = 2,100) while burning 300 calories from exercise five times a week (300 x 5 = 1,500)."You plan for exercise. You need to plan what you're going to eat afterward

Mistake #2: You Race Through Your Reps

If you don't believe you've done just about all you can do by the end of a set, pick a heavier weight.

Mistake #3: You Skip the Warm Up

You may think you're saving time, but you're actually just compromising the first 5 to 10 minutes of your workout. "Your body literally needs to warm up so that blood flow increases, the nervous system wakes up, and the body starts to use energy and oxygen more efficiently," says Michael Bracko, a sports physiologist

* So get it together fitness gurus and work out with a plan! *
Good Luck! ~Courtney Reserve Staff

2011-08-28T12:27:00.000-04:00

Parents who play smartphone video games such as "Angry Birds" and "Bejeweled Blitz" with their kids report that gaming has increased the quality of bonding within the family, a new study suggests.
A study conducted by video game maker PopCap and Goldsmiths, University of London, found that 1 in 3 parents who play video games with their kids said it’s brought them closer to their loved ones.
The study — which examined an online survey of 3,250 parents and grandparents with children and grandchildren under the age of 16 in the United Kingdom — looked at the role of "casual games," including simple puzzle or strategy games, and how it’s helped them relate to youth. PopCap said the margin of error is unknown.

One-third of respondents said they play video games with their children every day, and 80 percent of this group described it as a "quality time" activity within their family.

The study also revealed that the growth in casual smartphone games has helped kids as young as 2 becoming proficient in the use of smartphones and other tablet devices.
In fact, 1 in 5 parents (22 percent) said that playing computer games has helped their children develop a better understanding of technology. In addition, a quarter of parents (27 percent) reported that their children borrow their smartphone every day to play games.

Debunking the myth that playing video games comes at the cost of healthier activities, the study also noted that three-quarters of parents said their computer game-playing kids also exercise regularly and eat healthful foods.

A third of parents believe that their children are able to concentrate better, thanks to playing casual games, while 53 percent believe that their children have improved problem-solving skills, also because of playing casual games.

"The fact that both parents and grandparents are using games to connect with their children and grandchildren, and quite successfully, suggests that video games can improve social skills and make a key contribution to both effective parenting and child development," said Dr. Tomas Chamorro-Premuzic, of the department of psychology at Goldsmiths.

Hurricane Prep: What You Need To Know

2011-08-26T09:55:00.000-04:00

*irene from space*

Hurricane Irene, the first of the 2011 season, has done damage in the British Virgin Islands, Puerto Rico, and the Dominican Republic. People on the East Coast of the US are now readying themselves for their own imminent encounter with the storm. If you live in that part of the country, what can you do to protect your home and your loved ones?

1. Stock up

Perhaps the most important thing to do is gather items you might need if you become trapped or stranded. Even in the worst case, if your house is compromised or you are unable to leave it, you and your family will be okay so long as you have taken the time to put together the necessities.

2. Keep an eye on the weather

A storm is at its most dangerous when it is unexpected. Do some research on weather news outlets to find the one you deem most valuable. If you're watching the hurricane, you'll rid yourself of the helpless feeling that it’s an invisible enemy that can't be guarded against. And you'll know when it's about to hit your area or head in another direction.

3. Guard your windows

If you plan to stay in your house, you must make it as secure as possible. Windows should become barricades – not against burglars, but rain, wind, and maybe even flying objects.

Stay safe and have a game plan: ~Courtney Reserve Apartment Homes!~

2011-08-25T09:42:00.000-04:00

Greetings!

Its that time of the month again. You guessed it, rent is due! To make it easier for you, you can now pay conveniently online! It's as easy as just a few clicks!

http://www.rentpayment.com/

Pay by E-CHeck:

An electronic check, or e-Check is an electronic version of a paper check, used to process a payment online. Any renter with a checking account can pay by e-Check through RentPayment. To make a payment for rent or move-in expenses by e-Check, renters simply provide RentPayment with their checking account and routing numbers. RentPayment debits the funds directly from the renter's checking account. Paying be e-Check is convenient for renters who no longer have to deliver a rent check to the leasing office. Residents are able to make a one time payment or set up automatic debits each month.

Why Pay Online?

1. Quick and Easy

2. You can set it up every month on a day of your choice

3. No more rushing to the office before close

Check it out and let us know what you think of the service!

Calling All NEW PARENTS!

2011-08-23T10:14:00.000-04:00

For many parents, having a new baby is a scary prospect, indeed. There are sleepless nights, tons of responsibility, and for many, the possibility of going deep into a financial hole.
Yes, babies are expensive, toddlers are even more so, and then preschoolers take it all. And let's just forget about school-age children and teenagers......

Denial is the only way to get ready for that mess!

Still, there is no reason to skip a baby for financial reasons.

Check out ways below to start saving money once baby arrives!

1. Embrace hand-me-downs: “The first thing you have to understand is that new is not best," says Chatzky. Between friends who have had children and Craigslist, many items for baby can be purchased used. The fact is, babies only "use" anything for a very short period of time, so even "used" items are often in great shape.
2. Every child needs to know the rule of 10 percent: If you can save 10 percent no matter what, then you will be in good shape for any hardships that may come.

3. Needs and wants are two different things: there is one important question to ask oneself any time you want to buy something: "What happens if I don’t have this?” If the answer is nothing, then you probably don't need it.
4. Times when we feel flush and times we don’t: We all experience times where we feel we have plenty of excess cash and times where we feel like we have none. When you feel "flush," save it. That will make the "lean" times easier to take.

5. Look at your benefits: It may make sense for each parent to use their work benefits and have only one add the children. It all depends. Different jobs have different benefits, so use them to your advantage and see what you can get.
6. Get responsible about making a will: It's a huge financial mistake not to have a will. Name a person, not a couple as guardians for your children, because the couple can get divorced and it will get ugly. Life insurance on both parents is a must.

* Courtney Resevre Staff * : )

* How To Get Paid What You Want *

2011-08-19T10:20:00.000-04:00

It's a hirer's market, but when it comes to salary negotiation, too often people sell themselves short simply because they don't know how to tackle the compensation question. Whether you're moving from one job to another or unemployed and looking for work, there are steps you can take to make sure you get the best possible salary offer.

Here are some of the most common ways you can expect to encounter the salary question when applying for a job and the best ways to tackle the challenge:

Avoid Talking Numbers Early On
It's a good rule of thumb to avoid answering the question of what salary you're willing to settle for, whether on your job application or in the early stages of your interview, says Weeks (built her life on resume writing). "Usually the first person to name a number doesn't have the upper hand when negotiating."

Don't Sell Yourself Short
Whether you're moving from one job to another or unemployed and seeking work, you can expect to be asked about what you were making at your old job, so be ready with an answer.
One common mistake when talking about previous salary is forgetting to include benefits as part of your total compensation, says Hurzeler, an oversight that can hurt you in the negotiation process. For example, if you are earning $100,000 a year with a 20% bonus plus health, dental and other incidental benefits, you should answer the question by saying, "$120,000 plus generous benefits."

Have a Range Rather Than a Single Figure

When pressed for your salary requirements, you should always be sure to offer a range based on what others in the field are earning, rather than a single fixed number, says Karen Lawson, founder and president of Lawson Consulting Group, Inc., , a Pa.-based Management and organizational development consulting firm. That's where doing your market research becomes critical.

And MOST Important Is..... TAKE TIME TO DECIED!!!

Child Hood Game Has Grown Up Rules To Win!!!!

2011-08-17T11:25:00.000-04:00

In the game Rock, Paper, Scissors, two opponents randomly toss out hand gestures, and each one wins, loses or draws with equal probability. It's supposed to be a game of pure luck, not skill — and indeed, if humans were able to be perfectly random, no one could gain an upper hand over anyone else.

There's one problem with that reasoning: Humans are terrible at being random.

Rookies Rock

Those two overarching strategies can be translated into executable moves, starting with the opening one. Expert players have observed that inexperienced ones tend to lead with Rock. Walker speculates that this may be because they view the move as strong and forceful. Either way, remember the mantra "Rock is for rookies," and simply throw Paper at the outset of a game to earn an easy first victory.

"Rock is for rookies" should be kept in mind against more experienced players, too. They won't lead with Rock — it's too obvious — so use Scissors against them. This throw will either beat Paper or tie with itself.

Double Trouble

If your opponent makes the same move twice in a row, they almost certainly won't make that move a third time. "People hate being predictable and the perceived hallmark of predictability is to come out with the same throw three times in row," Walker wrote.

With that option eliminated, you're guaranteed either a victory or a stalemate in the next round. If you see a "two-Scissor run," for example, your opponent's next move will be either Rock or Paper. If you throw Paper, then, you'll either beat Rock or play to a draw.

Announcing your next move before a round starts also seems to be an effective mind trick, though it'll only work once. If you say you're going with Paper, for example, your opponent thinks you won't, Walker explained. Subconsciously, they'll shy away from Scissors (which beats Paper), and choose Rock or Paper instead. When you do end up throwing Paper, you'll score a victory or a tie.

~ Good Luck Gamers!

* Courtney Reserve Staff *

Buying A NEW Car Soon??? See What Is Easy To Bargin For!!!

2011-08-15T09:41:00.000-04:00

Only the wealthiest – or most foolish – car shoppers will pay full price for a new car. For the rest of us, negotiating the lowest possible price on a given vehicle can amount to saving hundreds or even thousands of dollars, depending on the model.

Easiest Cars to Bargain For, based on TrueCar.com’s Price Flex index as published in its July 2011 True Trends report. These are the models in each automotive segment having the highest Price Flex scores, which indicate the largest range of transaction prices.

Subcompact Car: Honda CR-Z

Small SUV: Mitsubishi Outlander

Midsize Car: Nissan Altima

Luxury Car: Mercedes-Benz C-Class

The idea is to negotiate a transaction price that’s as close to invoice as possible – a dealer’s actual cost is usually a few percent lower. If the manufacturer is offering a direct-to-consumer cash rebate, deduct it from the transaction price only after you’ve negotiated the deal to your satisfaction.

~ Courtney Reserve Staff

Let's Work Together.... To Make It Look BETTER Than Ever!

2011-08-08T11:01:00.000-04:00

Dear Valued Resident's:

"Let's Work Together To Make It Look BETTER Than Ever!"

This is just a reminder about keeping Courtney Reserve Apartment Community In TIP TOP SHAPE!

Let's work together to keep the patio's clean, swept and free of clutter. If you have any questions about what you can store on your patio please stop by the office or give us a call. For example we welcome your outdoor plants and patio furniture,

however the patio is NOT and should NOT be used to store your barking dog!

Also remember that the compacting cardboard can go into the recycling bin let's just make a mental note to break down the boxes!

Lastly, if you are a smoker please keep something Handy that you can place your cigarette butt's into. Like a cup or ashtray, we ask that you discard these things properly.

Thank you to ALL resident's that do this we know some of you do!

~Courtney Reserve Apartment Homes

Why YOU Need Renter's Insurance

2011-08-03T10:01:00.000-04:00

Dear Valued Residents,

Recently within our apartment portfolio we have experienced two stove grease fires that occurred when a resident was cooking. In both incidents neither renter had “RENTERS INSURANCE”. In one situation the fire itself caused minor damage however, the water from the sprinkler system and Fire Department caused severe damage to the resident’s apartment as well as the neighbors below. The cost for repair, cleaning, and replacement of furnishings exceeded $5,000. In the other incident the staff arrived on the scene and was able to put the fire out in time to keep the sprinkler system from flooding their apartment and the apartments below! The cost for the damage to the apartment stove, cabinets and cleaning up of smoke damage still exceeded $5000.

In the past two months we have experienced forest fires near some of our apartment communities. Fortunately the quick action of the local fire departments kept the fire from spreading into the apartment communities. This could have been catastrophic loss for hundreds of residents. With no renters insurance your personal belongings would not be covered by the apartment community’s property insurance.

To those of you who reside in any of our coastal communities, hurricane season is beginning in June just weeks away. Storm damage is probable in the wake of a hurricane. Damage to your personal items from any type of storm is not covered under the apartment community’s property insurance. Many of you have seen the recent devastation in North Carolina and Georgia from tornado activity. If your building is damaged or destroyed you are not covered for your personal belongings.

What you need to know is that YOU are personally liable for damages to the apartment community as well as damage to units surrounding you even if the Fire Department creates the damage with their equipment and water! This could be financially devastating to you and your family. Below are list of the many reasons you need to be insured.

Did you know that if lightning were to strike your apartment building causing damage to your electronics (TV, computer, etc.) you would be responsible for the replacement/repair costs of these items?

The Landlord’s insurance is not.

Did you know that if lightening were to strike your apartment building causing a fire you are responsible for all of the personal contents inside your apartment home?

The Landlord’s insurance is not.

Did you know that if a neighbor leaves a candle unattended causing a fire, and/or smoke or water damages your personal belongings, Courtney Reserve would not be responsible for the loss? And, if your neighbor does not have their own personal property insurance, again, you would be responsible for the replacement cost of these items.

Did you know that if a hurricane or tropical storm causes your apartment’s roof to leak or windows to break causing water damage to your personal belongings, the replacement cost of your items would not be covered by the landlord’s insurance?

And finally, Did you know that if a visitor is injured in your apartment or at the community while visiting you, you could be held liable for their medical expenses and more?

Your current and future earnings could be at risk.

Many people are under the impression that an apartment communities’ insurance will cover such losses but this is inaccurate. The landlord’s policy does not include liability for something that happens in your rented residence or to your personal belongings.

How can you protect yourself and all of your personal property?

Please obtain renter’s insurance. It is fairly inexpensive and your car insurance company may offer discounts for multiply policies. Most insurance carriers can help you select just the coverage you need based on exactly what you own so the renter’s insurance policy will suite your specific needs. The average annual cost for renter’s insurance today is approximately $120 per year a small price to pay to be able to replace your entire household. Often times you can add renter’s insurance through your current automobile insurance policy for a better rate!

A Section of your lease agreement clearly expresses your need for insurance and your responsibility for protecting your personal property. Please protect yourself and your property by contacting your insurance company and begin a renter’s insurance policy today!

Last but not least: This is a picture taken today May 20, 2011 from a local apartment community where the neighboring woods began to burn. High winds cause the fire to spread quickly. Fortunately the local fire department was able to contain the fire. As you can see by the picture, there is a car in the parking area next to an apartment building and had this fire gotten out of control several people could have lost everything. Protect yourself! Don’t be a victim.

Higher Education Goes High Tech!

2011-08-01T10:06:00.000-04:00

You want to go back to school but you have one big worry: namely, how are you going to find the time?

Thankfully, new innovations in online education - like web cams, live online chats, and online discussion boards - may offer the flexibility you need to earn your degree.

Online Program #1 - Business Administration

Want to study and network with business school professors and students who live all over the world? Earning your degree in business administration online could help you add to your Rolodex in a big way.

Maybe you've already earned some credits or even an associate's degree. Any previous work you've done may be transferable to schools like the University of Nebraska at Lincoln, for example, which offers an online bachelor's degree in business administration that is open to students who live in and outside the state.

The University of Massachusetts offers a similar online degree program in business administration that can be accessed from anywhere in the world. All you need is an internet connection. Some of the school's online classes in the business administration program include accounting, finance and operations management, hospitality and tourism, marketing, economics, and sport management.

Potential Career Paths & Average Earning Potential*

Advertising Sales Agent: $55,020

HR Specialist: $57,830

Marketing Specialist: $66,850

Online Program #3 - Network Administration

Want to earn an information technology (IT) degree but not sure how you'll fit the coursework into your busy schedule? Online programs - in, say, network administration - can offer the flexibility you need to make it work.

Like many IT disciplines, network administration, which involves maintaining a computer network, is a specific marketable skill that employers want. In fact, network administration is the number one IT skill set in demand in today's job market, according to a June 2011 survey by staffing firm Robert Half International.

Western Governors University (WGU), which offers an online bachelor's degree in network administration, estimates that course work will take about 20 hours per week. It's up to the student to schedule their time accordingly, whether that means utilizing lunch breaks, nights, or weekends.

Earning an associate's degree in network administration, as opposed to the longer bachelor's degree, is possible online as well. Same goes for online certificates. For example, the University of Toledo in Ohio offers an online associate's degree in computer network administration that also helps prepare students for professional IT certifications from companies like Microsoft and Cisco.

Potential Career Paths & Average Earning Potential*

Computer Support Specialist: $49,934

Network Administrator: $72,200

Computer Network Architect: $79,370

So if you were thinking about going back to school think no more, log onto your loaptop and get going!

~Courtney Reserve Staff

Habits That Hold YOU Back!

2011-07-28T10:33:00.000-04:00

Everyone's got bad habits such as lateness or procrastination. But if you consistently act in ways that cause you to lose face, lose friends, or fail when a goal is within reach, your harmless personality quirks may have morphed into serious self-sabotage.

Courtney Reserve takes you into a couple of habits that might have you on the road to SELF DESTRUCTION, if not corrected in time....

Fatal Flaw #1: You procrastinate.

Tomorrow is soon enough. Besides, you excel under pressure.

The ugly truth: You're secretly afraid your work won't be perfect and you'll be outed as a fraud. "Procrastinators tend to be very concerned about what other people think of them," says Joseph Ferrari, PhD, a professor of psychology at DePaul University in Chicago. "If you worry that you will never perform as well as you have in the past, fear of failure may be halting your progress." Putting off work provides a ready-made excuse: Instead of admitting failure, you can always blame your busy schedule and overbooked calendar. "That way, you can tell yourself the project would have been successful if only you'd had more time," Ferrari explains.

Fatal Flaw #4: You're habitually late.

It's never your fault -- your mom called, the dog got sick, traffic was brutal...

The ugly truth: Being late could be your passive-aggressive way of getting back at those who force you to adhere to their timetable. "Blaming your tardiness on a hectic schedule is easier than admitting you're resentful about constraints being placed on your time," says Spangle. Your chronic lateness may also be a sign that you're subconsciously trying to undermine the situation, lash out at a friend or, in the case of work, get fired. If you're late for something that is a big taboo, like a job interview, it may show your ambivalence about whether you really want the gig. "Rather than risk a poor showing in the new position, you ensure that the opportunity never arises," says Rebecca Curtis, PhD, professor of psychology at Adelphi University.

Fatal Flaw #5: You pick fights with your partner.

"I can't help it. He used to be great but now he's just driving me crazy."

The ugly truth: Creating unnecessary drama in your relationship is typically a holdover from childhood, explains James Tobin, PhD, clinical instructor of psychology at Harvard Medical School. While you were growing up, a parent unknowingly may have established conditions for love, and you've unconsciously learned that you have to look a certain way, act in a particular manner, or achieve certain goals before you're deemed worthy. The result: "You end up fearing that just as you're ready to make a commitment, your partner will see your true self and find a reason to not love you," says Tobin.

~ How many Of YOU Possess Any Of These Traits???

Today Lets Try And Make A Fix To At Least 1 Of Them!

~Courtney Reserve Apartment Homes: MAKE TODAY COUNT!

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* How To Get Paid What You Want *

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Why YOU Need Renter's Insurance

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