New Mobile App Records, Saves and Shares Recipes and Family Memories

 

)hat if Grandma’s cookbook could talk? What if lost recipes could be recovered and safeguarded for posterity? What if delectable treats from the past and present were readily accessible? The new DishtoryApp mixes it all together and makes it possible!Nothing tells a family’s history like the food they share and the dishes they prepare together, so Ohio natives and longtime friends Chris Kozak and Dan Zawisza created Dishtory.It is the first mobile app to provide a platform for culinary artists, aspiring chefs and home cooks to record, save and share family memories through text, photo, audio, and video — all in one place — forever. More than a meal, Dishtory provides sensory memory of the tastes and aromas that deserve to be preserved.The inspiration for the user-generated and crowdsourced Dishtory app began with a conversation between co-founder Dan Zawisza and his mother when he was seeking her Christmas sugar cookies that he remembered from childhood to share with his own family.After playing phone tag, she left him a detailed message describing how to make the coveted cookies."After listening to the voicemail, I thought to myself, ‘I will have this recipe now for the rest of my life and in my mom’s voice,’" says Zawisza."This was a totally new concept, and I want to give everyone the ability to share the same experience."Co-founder Chris Kozak, who has family roots in the restaurant business says, "With smartphone technology, we saw an opportunity for innovation to give everyone the opportunity to record, save and share recipes – from a tasty dish at a backyard cookout to recipes that have been passed down through generations."Dishtory serves up the unique stories behind each dish from the primary source ensuring that family culture and legacy live on in the kitchens of future generations.Unlike written recipe cards, the audio heirlooms cooked up on Dishtory remain and can be shared easily and bring the voice of the distant or departed loved one to life.During holiday time, it’s a fun, free gift to share with family and friends. The app can provide an original holiday experience at parties — an interactive activity to share the history and recipes of your family’s distinct and singular dishes. Modern families in various forms are embraced. The app can help recover long lost recipes through technology, provide inherited recipes for adopted children and blended families, offer healthier twists on old-fashioned recipes (e.g. alternative milks, gluten-free, etc.) and so much more. 

Treating Sun Spots Just as Important as Wrinkle Care

 

Women ages 30 and older are growing increasingly aware of new wrinkles with each passing year. Yet, evidence suggests that sunspots may have as much of an impact on age-related appearance as wrinkles.

Nearly 63 percent of women older than age 35 experience sun or age spots, discolorations and uneven skin. The dark side? The problem reflects your apparent age — or lack of youth.

“Getting a clear, even skin tone without discoloration is just as important as wrinkle-fighting to achieving a rejuvenated, youthful appearance,” says Dr. Ellen Marmur, prominent New York City dermatologist and author of “Simple Skin Beauty.” “To some patients, it’s even more important.”

Dermatologists like Marmur call it hyperpigmentation, but its various types are commonly known as age spots, sun spots, liver spots, freckles and melasma, brown patches of  the skin triggered by a hormone imbalance. Age spots, sun spots and liver spots are all the same ailment — pouches of melanin where the skin pigment has overproduced and dumped uneven amounts, the majority of which are a result of sun damage.

According to Marmur, the two most used topical treatments for discoloration are hydroquinone and retinoids, which both may have irritating side effects and require a prescription. However, a new alternative, StriVectin-EV Get Even Brightening Serum, is an over-the-counter solution that’s clinically proven to work quickly minus the same risky side effects.

“StriVectin-EV Get Even products, both the serum and new Get Even Spot Repair, combine natural ingredients like willow bark, vitamin C and licorice with our unique, patented form of niacin for the most even supply of pigment, skin repair and anti-aging effects,” explains chief scientist and professor of Medicinal Chemistry Myron Jacobson. “Studies reveal 85 percent of women see reduced sun spots and more even skin color after eight weeks of use.”

But to treat the long-term problem, sufferers of dark spots should also heed the following sun-related advice:

•    Wear sunscreen year-round with an SPF of 30.
•    For prolonged sun exposure, get a wide-brimmed hat to wear outdoors.
•    Neutralize stubborn spots with peach-toned concealer while using StriVectin-EV Get Even products to slow down melanin production.
•    Beware of products that bleach skin, as this can cause white spots, another form of discoloration.

No Shelf Required With E-Readers at Your Fingertips

 

With hectic schedules ruling the day, people often underestimate the importance of taking time to relax and recharge—even if for only a few minutes.

To that point, why not do so with a good book? Whether you’re curled up on the couch after work or simply on your lunch break, eReading companies such as Kobo have enough options to keep you interested—and relaxed.

No matter what age you are, there’s something for everyone’s taste or preference.

The 20s can be fraught with stress and tension. You’ve left the comfort of home, so now what? Consider books that will help direct you on your own path. There is “How to Be Interesting” by Jessica Hagy and “The Defining Decade: Why Your Twenties Matter—And How to Make the Most of Them Now” by Meg Jay.

The 30s might have you pondering marriage and family, in which case, “Smart Parenting for Smart Kids: Nurturing Your Child’s True Potential” by Eileen Kennedy-Moore and Mark S. Lowenthal might be informative and invaluable reads. For a mind-candy read that’s sure to entertain, try “Bridget Jones’s Diary” by Helen Fielding.

By their 40s, people are looking for a little romance or a thrill. Books such as “Inferno” by Dan Brown, or “Committed” by Elizabeth Gilbert may have just the appeal you’re looking for.

In your 50s, the kids are (hopefully) out of the house, and you now have time to read and travel. To that end, “Still Alice” by Lisa Genova and “Live By Night” by Dennis Lehane could be the thing to toss in your suitcase.

The 60s, or Golden Years, mean retirement and the ability to enjoy the things you love most. Whether it’s spending time with family, keeping fit, or curling up with a good book, there is “Beautiful Ruins” by Jess Walter or “Paris” by Edward Rutherfurd.

As well as offering instant access to millions of titles online, digital reading companies offer a cornucopia of eReading device options and free reading apps for most smartphones and tablets, making it easy to expand your “just read” list. Whatever your age—young or old, married or single—books are a source of entertainment, escape and inspiration, but most of all, enjoyment.

Your Local Subway Now Has Biggest Menu Changes in History

 

What’s your favorite Subway sandwich? Well, it’s time to visit your local Subway® restaurant and try it again because it just got better. You might even find a new favorite. The company is making the biggest changes to the menu in the brand’s history, and your local Subway is ready to share all the new items and serve up a delicious sub sandwich, from the new Turkey Cali Fresh to the All-American Club™.The Eat Fresh Refresh menu updates include 11 new and improved ingredients, six all-new or returning sandwiches, and four revamped signature sandwiches. Whether you’re a classic sub lover, want to double down on protein or enjoy a flavor blast with a new MVP Parmesan vinaigrette, Subway offers endless customization and options for any appetite.Your local restaurant has been baking great bread for years, and it just got better. Tasty bread is the core to every sandwich. To that end, Subway is adding two new choices — Artisan Italian and Hearty Multigrain. A panel of world-class bakers spent two years working to perfect the recipes and baking techniques that set their sandwiches apart.Other new and improved ingredients in the Eat Fresh Refresh menu include new deli-thin sliced ham and turkey, hickory-smoked bacon, smashed avocado, artisan BelGioioso® Fresh Mozzarella from Wisconsin, and tangy MVP Parmesan Vinaigrette™.One thing that hasn’t changed: high-quality, premium 100% wild-caught tuna, sourced from leading global suppliers who remain committed to consistency and safety at every stage of the supply chain. As tuna has always been a fan-favorite, there will be no changes to this sub, as it remains an anchor of the menu with simple ingredients.You can explore all these new menu items by downloading the updated app available through the App Store and Google Play. The Subway app makes ordering and customization easier than ever with an enhanced dashboard and order tracking features. For added convenience, your local restaurant is rolling out a new Subway Delivery option in select areas for more accessibility and meal-time ease."Subway has been serving freshly made, customizable, and better-for-you sandwiches for more than 50 years, and we wanted to give our guests more new and improved flavors that are craveable as well as fresh and customizable," explains Paul Fabre, SVP Culinary Innovation at Subway. "Our new culinary team is delivering monumental updates to the entire core menu so that when our fans come in, they notice everything is better."Visit subway.com for more information about the Eat Fresh Refresh program, to place orders, or download the Subway app.

Healthy Tips For Going Back to the Office Post-COVID

 Whether you are just starting out with your first job and apartment, or entering the later stages of your working life, there is no wrong time to plan for retirement.For Millennials and Generation Z, saving may seem less important, but don’t discount its importance."Even though retirement is decades away, acting now can lead to better financial security throughout your entire life," says Mark Wernig, CFP®, Lead Advisor and Principal at Dowling & Yahnke Wealth Advisors.For those who are younger, take some smart steps now, and you can reap the benefits whenever you retire. The following tips can help you to save for the future:- Make saving automatic. Young adults should invest in a 401(k) plan with their employers, with an automatic contribution. This makes saving easy, you don’t have to think about it, and you will reap the rewards later.- Put money back. Many adults deal with debt from student loans, car loans and mortgages. Set financial goals and know the interest rates on your loans, so you can make a budget and try to pay them off as soon as possible.If you are a Baby Boomer farther along in your career and retirement is fast approaching, don’t despair. It’s never too late to maximize your savings with these smart strategies:- Play catch-up. The "catch up" provision for individuals ages 50 years and older lets you add extra money to many corporate retirement plans, such as 401(k)s, traditional Individual Retirement Accounts (IRAs) and Roth IRAs."Workers age 50 and older can make an extra $1,000 catch-up contribution to an IRA in 2021, for a maximum possible IRA contribution of $7,000 in 2021," says Spencer Betts, CFP®, Chief Compliance Officer and financial consultant at Bickling Financial Services.- Postpone Social Security. Age matters. The full retirement age for Social Security is 67 for anyone born after 1960. For every year you delay taking your Social Security (age 68 to 70), you increase your benefit by 8%.- Revisit your health care plan. Health expenses are one of the top sources of spending in retirement. Make sure your health insurance plan meets your needs and do some research to switch plans if necessary. In addition, be aware of health care savings accounts (HSAs), which are pre-tax savings accounts that allow tax-free withdrawals for health expenses. HSAs also have a catch-up option for those over the age of 55.Regardless of your age, a CERTIFIED FINANCIAL PLANNERTM professional can provide guidance and advice as you consider these points in retirement planning .

Let Your Small Business Thrive with Smart Financial Planning

 

Sales on Small Business Saturday and during the holiday season can often make or break a small business.During this time, many small businesses are focused on revenues and operational efficiency. But they should also dedicate time to address their financial risks.Small business owners can manage these risks by adapting their individual financial plans to the risks of business ownership.The top financial planning areas of concern for small business owners are:1. Tax planning. Businesses and individuals have different marginal tax rates at different income brackets. A CFP® professional can help you coordinate your business and personal income taxes for maximum returns.2. Insurance coverage. Small businesses require specialized insurance coverage beyond what the owners may have for themselves and their families. Small businesses need to have a safety net in the event that they are affected by a natural disaster, death or disability of the owner or other key individual, loss of property, or lawsuits from negligence or defective products.3. Retirement. Small business owners need more retirement planning rather than less. The good news is that business ownership affords all sorts of tax-advantaged ways to save for retirement. The ability to put aside amounts is considerably larger than what is permissible to non-business owners.4. Investments. Most small businesses are self-financed by their owners. This may mean that the business is the owner’s major or only investment. Small business owners who have extra capital may want to reinvest the money back into the business. CFP® professionals may help you diversify your investments to offset your financial risk as an owner.5. Succession planning. Small business owners need to have a plan for what they want to do with their business after retirement. The COVID-19 pandemic has clearly added a great deal of complexity to the lives of small business owners who wish to monetize their life’s work and pass on their business to someone else

Three Financial Planning Tips for New Parents

 

New parents have so much to think about that financial planning may not be at the top of the list. However, once sleep deprivation wears off, new parents will be thankful if they have completed some financial planning in advance."Smart financial planning not only protects families against unexpected bumps in the road, but also teaches children good financial habits," says Brad Ledwith, a CERTIFIED FINANCIAL PLANNER™ professional.Three key financial considerations for new parents or parents-to-be include:Life Insurance Plans. When you become a parent, it’s time to be proactive about life insurance. If you don’t have a policy, get one to ensure that your family is provided for in the event of your death.Remember that both parents need policies, even if only one parent is employed. "Term life insurance is generally a good option for new parents because of its affordability and provision for income loss in the event of one parent’s death," Ledwith explains.Education Savings Accounts. With the cost of tuition rising annually, it is never too early to think about college savings options. Consider setting up a 529 plan, which allows parents, grandparents and others to deposit money into an account that grows tax-free.The proceeds must be used for education purposes. The details vary by state, so be sure to check the rules of your state. Go-to sites for more information on 529 plans are Savingforcollege.com, American Funds and College America.Custodial Accounts. Custodial accounts are a great way to keep monetary gifts to children in a safe place with no restrictions on future use. Funds in a custodial account can be used toward cars, housing, vacations or any other expense.Custodial accounts also serve as educational opportunities. As children learn how to save, delay gratification and work toward a goal, a custodial account gives them an opportunity to learn about fiscal responsibility. When your child is older, you can teach him or her how to buy stocks with some of the money in a custodial account."Eventually, the child will wind up with the means to finance something that will serve him or her for years to come, such as a car or their first apartment. It’s a fantastic lesson about how money can work for you," says Ledwith.Key financial decisions for your family happen at all life stages — whether it’s budgeting to help afford everyday expenses when you have children, seeking tax breaks to help you save for college or planning to financially protect your family if anything happens to you. Working with a CFP® professional can help you adapt your finances to meet the needs of your growing family.