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Wednesday, December 7, 2016

Columns & Editorials

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The Inevitability of Risk: How do you contend with it? How do you avoid letting it unnerve you?

Anyone with a foot in the markets must recognize systemic risk – the potential that many or all market sectors may be riled by shocks such as a geopolitical crisis, an act of terrorism, a recession or a natural disaster. How do you cope with that?

“Where did Lake Milton get its name?”

We checked the Milton Township website , which includes information on its history. From the website, we learned that Milton Township was originally home to the Erie Indians until the Iroquois Confederacy went to war with them in 1653. Settlers, including Nathaniel Stanley, Aaron Porter, and John Van Netten, arrived in 1803. The town was one of the most...

Recipes and Ramblings: Homemade Hot Pockets

Our summer has been filled to the brim with softball games, family road trips, and impromptu picnics around town. To make packing lunches a little easier, we decided to make some homemade sandwich pockets to keep on hand. They are a quick lunch or snack at home, and are an easy, healthy option to pack up for quick picnic...

Travels With Skip…. Petersburg — Alaska’s Little Norway

One of the features of the ship’s itinerary is to make a couple stops at the local villages so that we might get the flavor-- experience the ambiance-- of the area. One of the towns is Petersburg, settled by Norwegians in the 1800s.  We motored for about three hours south of Juneau on the inland waterway passage of Frederick...

“What’s the soda Pepsi introduced to compete with TaB?”

Royal Crown Cola’s Diet-Rite, introduced in 1958, was one of the first diet sodas on the market. Once the nation started watching its weight and Royal Crown Cola started advertising Diet-Rite as a soda rather than a specialized diet product, the Coca-Cola company knew they had to do something to compete. In 1963, Coca-Cola introduced TaB, their first diet soda....

10th Anniversary

It hasn’t quite hit me yet because it really seems like just yesterday my husband and I were talking about opening a winery. Young and naïve, only 25 at the time, we said, let’s give it a go and see how far this thing goes. Then we started talking after our first anniversary – “if we make it to 7 years in the business, we’ll have done better than most.” Then year seven came and we agreed that we were having too much fun to stop then. And now as we get ready to celebrate the winery’s 10th anniversary it’s amazing what we have learned, what we have accomplished and most of all how all of you have welcomed us into your neighborhood and have supported us from day one.

The Importance of TOD & JTWROS Designations : A convenient move that could ward off probate on your accounts

TOD, JTWROS...what do these obscure acronyms signify? They are shorthand for transfer on death and joint tenancy with right of ownership – two designations that permit automatic transfer of bank or investment accounts from a deceased spouse to a surviving spouse.

In addition…

In addition to pareidolia, I occasionally suffer(if that’s the right word) from bouts of mondegreen; I don’t think that it’s covered by any reputable insurance(though it’s likely on the docket for some fly-by-night, blood-sucking outfit from the late-night TV)but it can be sort of debilitating when you’ve got it.  Pareidolia, as you must recall, is usually seeing significant images in totally random contexts, like the guy down in Louisiana who cut open an eggplant and beheld the word “God” spelled out in seeds.  Elvis and the Virgin Mary are apt to turn up anywhere, from a toasted cheese sandwich to pictures in mildew on old walls.  

Puppy Tails

As the moon goes to bed, the sun comes up And here we meet a sleepy pup, Who was walking through G-ville one bright sunny day, Then saw The Villager and decided to stay.

“How do deer make it through the winter?”

Even as hot as it’s been lately, one of our patrons is looking ahead to colder months, concerned for the deer that have to weather them. We found our answers in Leonard Lee Rue III’s “The Deer of North America” and “Way of the Whitetail” and the websites of New Brunswick’s Natural Resources Department , the Vermont Fish and...

Puppy Tails

As the moon goes to bed, the sun comes up And here we meet a sleepy pup, Who was walking through G-ville one bright sunny day, Then saw The Villager and decided to stay.   The best place to find the sunshine and the best way to see it for sure is to go outside and today was as good a day as any...

Women, Longevity Risk & Retirement Saving: Statistics point out the need to save early, save consistently & stay invested.

Will you live to be 100? If you’re a woman, your odds of becoming a centenarian are seemingly better than those of men. In the 2010 U.S. Census, over 80% of Americans aged 100 or older were women.1 Will you eventually live alone? According to the Administration on Aging (a division of the federal government’s Department of Health & Human...

Back in the Saddle

“Back in the Saddle Again…Out where a friend is a friend…Where the longhorn cattle feed on the lowly Jimson weed…We’re back in the saddle again….” (Was that Gene Autry?.  Gene had a sidekick named Pat Butram,  I think, who always says said his name so that it sounded more like “artery”. Made him sound like a medical condition. I...

Bald Eagles In Ohio

Since 1782, the mighty Bald Eagle has been the national emblem for the United States of America. Long before that it represented, and still represents, a spiritual symbol for Native Americans. Now that our July 4 celebrations are over, I thought we should learn a little more about this spectacular bird that reminds us of independence.

A Quiet Week

Well, it’s been a quiet week in Little Garrettsville. (Lake Wobegone was another story) BUT…things are moving along. The paving over the “grooved pavement” is inching toward finished; there are lines and everything.  Crews are on-site to take down the perennial eyesore downtown which has been “slip-slidin’ away” for –LO!—these many years.  Haz-Mat suits and all, they seem to be doing...

Memories

One of my favorite things about wine is the memories that wine creates. Looking at a label can quickly take you back to a special dinner, a time when an important announcement was made or even sad memories – a break-up, the loss of a loved one. You may have that special wine in your house ready for the...

Do Your Investments Match Your Risk Tolerance: When was the last time you looked at the content of your portfolio?

When turbulence hits Wall Street, are you stressed out? If you have taken on too much risk in your portfolio – which can happen through intention or inattention – stock market volatility may make you anxious. So from time to time, it is a good idea to review how your assets are invested. Your asset allocation should correspond to...

IRS Announces New IRA Rollover Limitation: A tax court ruling raises eyebrows & leads to a decision that may affect you.

What was once allowed is now prohibited. In 2008, an affluent New York City couple made a series of withdrawals and transfers among contributory IRAs, rollover IRAs and non-IRA investment accounts, all with the long-established 60-day deadline for tax-free IRA rollovers in mind. As esteemed tax attorney Alvan Bobrow and his wife withdrew and rolled over a series of...

“Why are wedding showers and baby showers called ‘showers’?”

It’s a good question. We couldn’t find a definitive answer in either R. Brasch’s “How Did It Begin?” or William S. Walsh’s “Curiosities of Popular Customs.” However, we’ve always heard the explanation that showers are so-called because the guest-of-honor is “showered” with gifts. Several websites second the theory, including BrideAndGroom.com. (It also gives the legend for the origin of...

Adventures in summer travel…or…You Can’t Get There From Here

You know those orange and white saw horses that the ODOT crews used to have marking off forbidden territory when the summer construction season started? (They have up-dated all that now with tall, skinny cones and plastic tape)  An ironic gentleman of my acquaintance once proposed that they   should be designated the state animal…probably because they spent even...

Corked

My husband and I had the opportunity to sneak away for a relaxing dinner at a very expensive restaurant. It was the perfect setting, sitting on the patio watching the sun set on the lake, music by Frank Sinatra playing in the background and a wine list that was a mile long. We selected a couple of wines and...

This Old Road: Chasing A 29 Roadster Pickup

I got an E-mail from someone named Hilda. She desperately wanted some help in evaluating and setting a price on her Dad’s old Ford truck.  He had passed away and they were in the process of settling the estate.  She said that she had absolutely no idea what the vehicle was worth, or even what kind of truck it...

Puppy Tails

As the moon goes to bed, the sun comes up And here we meet a sleepy pup, Who was walking through G-ville one bright sunny day, Then saw The Villager and decided to stay.   The silver bumblebee glittered at Doodle Dog from his bookshelf, glinting as though reflecting  an unseen source of light. Nestled among the stories sleeping there, the tiny insect reminded...

Wine Festivals

The season of wine festivals is upon us and people all over the greater Cleveland area are celebrating. But during a recent festival, some new wine drinkers had some great questions that I have always taken for granted. So after thinking about their question, I figured of few of you might have similar questions. The question that I received the...

Excitement!!

Pretty generally, my cats are NOT about excitement.  Mostly, they’re about conserving physical resources, i.e., lazing around, with as little movement as possible.  Oh sure, there is the occasional wrestling match, when one of the “guys” has to show how tough he is(This is the same one who is afraid to go outside when the door is open; he...

It’s Time to Review Your Life Insurance: Are you underinsured, or not insured at all?

When was the last time you looked at your life insurance coverage? Why not do it now? Life insurance can be a remarkable utility as an estate planning and tax-saving tool. Whether you have no life insurance, or you haven’t reviewed your policy in a while, it is always a good idea to be aware of your options and...

Running

In my spare time I love to run. Whether it’s inside or outside, I just love to set a pace and go, leaving all of my worries behind, it’s a great way to get away for a while. But what does my running have to do with my wine column this week? Well this weekend I ran in the...

RMD Precautions & Options: A reminder about mandatory withdrawals from IRAs & other retirement plans.

Just what is an RMD? After you turn 70½, the IRS requires you to withdraw some of the money in most retirement savings accounts each year. These withdrawals are officially called Required Minimum Distributions (RMDs).1 You must take an RMD from a traditional IRAs after you turn 70½, even if you are still working. If you don’t, a severe financial...

“My daughter’s hair is straight, but my hair and her father’s hair are both curly. Isn’t curly hair dominant?”

According to “Ask a Geneticist” on The Tech Museum of Innovation’s website and “What causes people to have straight or curly hair?” by Robert Jones on www.howitworksdaily.com, curly hair is a dominant trait. However, if both parents actually have wavy hair, it’s possible for them to have a straight-haired daughter. Remember doing Punnett squares in biology class? CC represents...

Ahhhhh….. Spring!

If Jack-in-the-Pulpits are any indication, my yard is a veritable vegetation revival!  Nothing in the bulletin  tells  what the message is.  They’ve popped up in the front, the back, the side lawns.  They’ve out hustled even the ferns.  They’ve beaten the trilliums, hands down.  Wonder what got into them all of a sudden.  Maybe the ferocious cold that knocked...

I’m Batman

Unfortunately when most people think of bats they are horrified with images of Dracula sucking the blood out of some poor woman’s neck.  They think of the caped crusader in the Bat Mobile saving Gotham City once again from the evil clutches of the Joker, a nocturnal creature flying  into your hair and getting tangled up in it, or...

Food Truck Rally

Candlelight Winery is proud to be hosting a Food Truck Rally and Music Benefit for #Garrettsville Strong. Thirteen businesses were destroyed by a fire on Saturday, March 22 in downtown Garrettsville. While history was lost and made that day, Candlelight Winery has stepped up to assist in the rebuilding efforts. The Food Truck Rally and Music Benefit will be held...

Recipes and Ramblings: Swap Parties Rock!

Ever since I first discovered the concept a few months ago, I had been intrigued to try a swap party. Just what the heck is a swap party, you ask? Basically, it’s a great way to make time to get together with friends, share some food and drinks, and swap for some cool stuff. The items for swapping are...

Throwing Out the 4% Rule This 1990s retirement planning principle seems questionable today.

In 1994, a financial advisor named Bill Bengen published research articulating the “4% rule”, which became a landmark of retirement planning. The 4% rule postulates that a retirement nest egg can last 30 years if a retiree withdraws 4% of it per year (incrementally adjusted for inflation), given a portfolio of 50% stocks and 50% bonds. Bengen studied numerous...

Urgent!

Well, now, THERE was a week! Elections on Tuesday.  It was heartening to see that our precinct (Garrettsville A) was up over the prediction of the Board of Elections, not much,  but every little bit helps.  I think that Garrettsville B was over too but I didn’t check.  It’s also neat to see so many former students whom I exhorted...

Frost Bitten

If you have been watching the news lately or have been to a local winery the past couple of weeks you have seen or heard about the damage this past winter has caused. Unfortunately during our assessment in March we realized that only a handful of vines survived the winter. The few vines that survived still had a lot...

“An old friend moved to France and sent me her address. Could you show me her town on a map?”

All of the computers here at the Newton Falls Public Library are installed with Google Earth, a program that allows users to take a virtual tour of almost anywhere in the world. We were able to type in our patron’s friend’s address and, from the comfort of a library computer in Ohio, take a virtual walk down her street,...

Why Do We Save So Little? What’s good for the economy isn’t necessarily good for our future.

Our parents & grandparents saved much more than we do. Most people who have read up on the economy for any length of time have heard of the personal saving rate (PSAVERT), which the Commerce Department calculates as the ratio of personal saving to disposable personal income. The January personal spending report released by the Commerce Department in early...

Spring Battles On

He stands erect, like the captain of a ship, gazing out the upstairs window at the sea of lawn that surrounds our home. “We’re under attack!” he bellows. “I didn’t work by butt off all this time to let those worthless grubs destroy the yard I worked so hard to grow.” I ask him to calm down. My protests...

Come to our Museum BUT There is No Place to Park

You may recall about two years ago that I got very frustrated with the Cleveland Museum of Natural History for not having anywhere near adequate facilities available for disabled people to park and be able to attend the events that we museum members were entitled to. The end result of that trip was missing the lecture, dropping out of...

Mad Medicine

Open your mouth and say , “Aaaah” Do physicians even DO that any more?  Well, according to an item in the Akron Beacon-Journal, you should not hand over your money before the doc sticks anything in your mouth.  That’s because  some researchers at New York University have discovered an absolutely stunning collection of bacteria,   viruses (Or viri?  Nope, virus...

Puppy Tails

Peeking around the corner of the office building, Doodle Dog leapt back before a hurried woman rushing past him stepped on his paws. That was close! What was all the excitement about? The curious floppy-eared puppy crept out again, certainly not nearly as quickly as the two-legged traveler dashing down the driveway in front of him. Even at his...

Apply For Social Security Now … or Later? When should you apply for benefits? Consider a few factors first.

Now or later? When it comes to the question of Social Security income, the choice looms large. Should you apply now to get earlier payments? Or wait for a few years to get larger checks? Consider what you know (and don’t know). You know how much retirement money you have; you may have a clear projection of retirement income from...

Vegan Bar-B-Que

Once, many years ago, I ran across a book with the title, Hollywood Is A Kosher Nutburger.  I think that I read it but who knows.  At any rate, it struck me that it was a fine shorthand for “This place is nuts!” Well, the news lately—internet, the comics,  the news pages, magazines—all of it, is proof that  while time...

Notes from the vineyard

One of the great things about enjoying wine is being able to check out so many great wineries. Each one of the 50 states has at least one winery so no matter where our travels take us we try to visit at least one winery during each trip. Unfortunately there have been a few occasions where our trip to the...

Peace, Love, and Little Donuts

They say you can’t buy happiness. But, you can buy donuts, and it’s hard not to feel happy while eating a donut. The folks at Peace, Love, and Little Donuts seem to agree with that statement. Since 2009, when they opened their first donut shop, they’ve grown to 10 locations of, “the grooviest donut shop this side of the...

TrekOhio

I can assure the readership that this will not be a critique of the famous Dickens novel of the same name, but a few ideas on how to make the most of your adventures when exploring Nearby Nature. When you go to the zoo you want to see the animals, the same can be said about hiking, camping, or fishing; you want to see and experience nature first hand. When the sun is shining, birds chirping, and you go out to experience nature, one of the most disappointing things that can happen is that by the end of the day all you have experienced is tired/aching legs and bug bites from your hike.

The Smell of Wine

How many times have you been to a wine tasting or even just had wine at home and someone says “Wow, this smells like cherries!” but in your mind you are thinking it smells like oil? Who’s right? Does the wine even smell like cherries or oil? Maybe it smells like roses? Well, maybe both of you are right...

Hanging on Through the Turbulence Patience & diversification matter in all manner of stock market climates.

Stocks rise, fall ... and rise again. Volatility certainly came back to Wall Street during the first several weeks of 2014 in the form of a 7.2% descent for the Dow Jones Industrial Average and a 5.9% retreat for the NASDAQ. The declines gave investors pause: was a correction underway? Would bulls be held back for 2014?1 As it turned...

O Spring

O.K., it’s Thursday, this must be springtime. Holy cow!  What a wild one!  Haul out the long johns, Maudie, the daffodils done froze!  And what does the Old Farmer say?  Not much.  But you’ll be happy to know that on April  18, 2009, Aaron Caissie set a world record by balancing 17 spoons on his face.  Now there is a...

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