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Colorado Heights University Fall 2014 CommencementColorado Heights Uni-

versity celebrated its Fall 2014 Commencement on Wednesday, December 17, 2014. The 90 minute ceremony featured three student speakers along with a keynote address by local business leader, Mike Fitzgerald. Over 300 friends and family mem-bers attended the event, hosted at the CHU Theater on campus. The graduates, who all completed their required coursework dur-ing the past six months, were presented certif icates in English, Bachelors De-grees and MBA awards. Colorado Heights Univer-sity, located on the histor-ic Loretto Heights campus, is a proud multi-cultural institution and the gradu-ating class featured 97 stu-dents representing 22 dif-ferent countries, including Mongolia, Vietnam, Mo-rocco, Ghana, Ukraine and China, along with the United States. Im proud of what these students have al l achieved. They all came to Colorado Heights University with a dream, whether building their English language skil ls or advancing their col-legiate careers, said In-terim President and emcee Bob Rizzuto, Were hon-ored that so many of our students have come from around the globe to build our campus community. Mike Fitzgerald, President and CEO of the Denver South Economic Devel-opment Partnership, de-livered a moving keynote address, focusing on the American heritage of wel-coming immigrants from

around the world and in-corporating those cultural values into the American tradition of opportunity and advancement. Student speakers included Akvile Zarembaite (MBA, Lithu-ania), Martha Gonzlez-Beltrn (BA, Mexico) and Andrea Si lva Agudelo (In-tensive English, Colom-bia).

To see photos and vid-eos from the event, visit the CHU Facebook page at w w w.faceb o ok.com/C olo-r a d o H e i g h t s U n i v e r s i t y . For high resolution event images or translated ver-sions, please contact us at [email protected].

About Colorado Heights University : Located on the historic Loretto Heights campus, Colorado Heights University was off icial ly founded in 2009, after spending the previous 20 years named Teikyo-Loret-to Heights University. The school embraces diversity and international cultures, ref lected in a student pop-ulation that stems from over 60 countries, and offers Intensive English programs to help domes-tic immigrants and inter-national student s expand their language skil ls . CHU also offers a Bachelor of Arts in International Busi-ness and an MBA (Interna-tional Business) program featuring 4 dif ferent spe-cializations. The schools mission is To educate de-termined individuals from around the globe, enrich their professional and per-sonal l ives, and impact so-ciety. For more informa-tion, please visit us online at www.CHU.edu.

10 Ways to Socialize Without FoodBy Jen Mueller

If youre someone who likes to go out frequently with family and fr iends, you know that most outings revolve around food. Its easy to say Hey, lets meet for lunch! or Want to join me for a few drinks after work? Whether youve just started mak-ing improvements to your diet or youve stuck to a healthy eating plan for years, you know how tempting these situations can become. Your fr iend orders a plate of French fr ies and you start munch-ing on them without even realizing, or your mom asks i f you want to split a dessert you werent plan-ning on ordering. In most cases, its best not to avoid these events completely. Avoidance can help you stick to your plan, but its not a long-term solution. Eventual ly youre going to be in situations where food is involved, so you have to learn how to deal with temptations. This helps change your new habits into permanent l i festyle changes, instead of a diet that you are on and of f periodical ly.

Although its certainly possible to stay on track with your diet in social situations, sometimes its nice to have alternatives that dont revolve around food. If its your turn to make the plans, choose something fun and dif fer-ent! You might f ind that one of the activities below sparks a new way to social-ize with those you love.

Train for a 5K. If youve always wanted to walk or

jog a race, doing it with one (or more) buddies makes it much more fun! Its a great excuse to meet a few times a week and chat along the way.

Go to a movie. Although the popcorn is tempting, eat before you go and by-pass the concession stand as you head into the the-ater. Once youre in your seat , it becomes a hassle to get up again and interrupt the show for snacks.

Have a spa day. Mani-cures and pedicures are lots of fun with a fr iend. If you dont have the ex-tra money to spend at a pricey salon, you can do your own spa day at home! Manicures, pedicures, skin treatments- al l can be done on your own with minimal expense.

Tack le a home improve-ment project . Do you have projects that have been on your to-do l ist for a while? These could be simple things you just havent had the t ime for, or big-ger projects that need ex-tra help. Gather a group of family and fr iends to help, and in return, you can lend a hand to work on their to-do l ist !

Go for a hike or walk at a local park. Who cant use some extra fresh air and sunshine? Weather permit-ting, its a great way to ex-plore nature and have fun together at the same time.

Tr y potter y or wine glass painting. Lots of local art studios of fer monthly painting sessions you can do with groups of any size. At the end of the night, youve got a nice

piece of artwork to takehome as a memor y of the evening.

Join a book club. Many people have monthly book clubs that meet in theirhomes (with lots of snacks and drinks!) Consider joining (orstarting) a club at your local l ibrar y or community center- some-where that doesnt involvefood.

Go window shopping.Shopping puts your pe-dometer to work with lotsof walking. Even if you dont have the extra funds,you can st i l l browse store windows to get ideas andspend time together.

Ride a bike. Lots of cit ies have cycling clubs, but i f youre looking forsomething more casual,f ind a group of fr iends tojoin you on a weekly r ide around town. Explore new areas of the city while being active at the sametime!

Tr y a new class at the g ym. Classes can be in-timidating the f irst t ime you attend, so ask a groupto join you. Its fun to tr y new things together, and many g yms of fer an intro-ductor y class for free.

With a l itt le creativity and sense of adventure,the possibil it ies are end-less. Bonding t ime doesnthave to mean blowing your calorie budget. Talk to those you love aboutthe changes youre mak-ing and how they can besupportive in those ef-forts . You might f ind they are more wil l ing than you expected to tr y something new!

Every family has their own traditions on holidays, and seeing that Christmas is just around the corner, its time to spice up the holiday with some new traditions your family can try.

One of the most exciting holiday traditions is making each family member cook a dish. Some, if not most, of the family members probably

arent great cooks, which is what makes this creative tradi-tion such a fun way to spend Christmas morning. From making something simple like gingerbread cookies, to some-thing more complicated like a multi-layered cake, there are many ways to cook something so you can even make each member of the family create their own recipe rather than look for one online. It will most likely turn out to be a di-saster, or it could lead to a sur-prising discovery of someones unexpected cooking talents. Then at dinnertime, when everyones dishes are cooked, everyone has to try and guess who cooked which meal, and you dont even have to eventu-ally reveal who the cooks are to keep everyone guessing.

Everyone loves to take pic-

tures during the holidays to capture the unforgettable memories, so there should be a dress code everyone in your family should follow; wearing only christmas colors (red, white, green) or everyone wearing oversized ugly christ-mas sweaters. To add more creativity, ask everyone to pose as (imitate) the person to their right, which is sure to bring a lot of laughter into the room and create the most amusing photos. You can also find a fun location to take a picture, like asking everyone to climb un-der a blanket on the tiny couch and watch everyone fight for their seat, capturing pretty amusing shots.

If there are a lot of children in the house, ask everyone sit in a circle in front of the fire-place and read a Christmas

story like The Night Before Christmas but in order, each person reading one sentence or paragraph which will keep everyone involved and en-gaged. This is a great alter-native to watching a movie with your family because af-ter a long day of festivities, someone is surely going to fall asleep. Besides, reading a book is a much healthier for children then spending their evening looking at a television screen that can damage their eyesight.

Lastly, decorating the house is always fun but its even more exciting to make the decora-tions yourself. The most sim-ple ornaments would be mak-ing snowflakes out of paper, and everyone can hang them up from the ceiling to make the room look much more fes-

tive. If you want to try some-thing more complicated, you can even take a few empty jars and try to make a snow globe. Another option wouldbe to buy some clear glasses,glitter and paint and have ev-eryone draw and design their own holiday mug from which theyll drink their hot choco-late when everything is dry and complete.

Fun holiday traditions are a great way to get everyone inthe family involved and par-ticipating in the various gamesand activities. Since many rel-atives who you dont see that often will be in town, its also an opportunity for you to cre-ate a fun filled day that they will never forget, and make them want to come back to celebrate the holidays with youevery year.

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Ive been getting a lot of in-quiries on the question of what Putin will do next. Here is my honest answer: I dont know. Im confl icted I see two, binary scenarios. First, the lower oil prices that have been decimating the ruble and are crumbling the Russian economy may make Pu-tin more amenable to the wishes of the West, and he may pull out of Ukraine and that will be the end of his excursions, at least for a while.

On another hand, his popu-larity is on the rise, and he controls the mass media and therefore shapes the facts. I watched his Big Press Confer-ence (seriously, three hours of Q&A Obama, beat this!), and he sounded extremely nation-alistic, blaming Russias current economic problems on US sanc-tions. I bet most Russians believe that lower oil prices are not a byproduct of economic funda-mentals (excess supply, weaken-ing demand, strong dollar) but rather the result of manipulation of the oil market by the US, as if $100 oil is Russians god-given right.

How the Russian situation will play out will depend on ma-ny factors, the most obvious one being how low oil prices go and how long they stay low.

I never considered myself a blogger; my blogging was al-ways an aft erthought. I wrote articles for newspapers and

magazines and at some point theyd end up on my website, ContrarianEdge.com which came to be labeled a blog. I dont even think myself as a writer, more like an investor who thinks through writing. When Equities.com wanted to interview me as a blogger, I felt a bit odd, but I think the interview came out OK (see below).

Financial Blogger Profi le: Vitaliy Katsenelson (Contrar-ian Edge)

At equities.com, weve always been focused on building an ac-tive community among the lead-ing voices within the world of fi nance. However, as with many other fi elds, in recent years, weve noticed a signifi cant shift away from traditional sources of news, tips and predictions and toward the growing number of fi nancial bloggers.

In this series, we profi le some of the most distinct and note-

worthy voices in the world of fi nancial blogging. Here youll fi nd our recent interview with Vitaliy Katsenelson at Contrar-ian Edge. Vitaliy is a Russian im-migrant to the U.S. and a Chief Investment Offi cer at Investment Management Associates, Inc. He has been profi led by Barrons, and he has written for a host of publications, including Finan-cial Times, Businessweek and the New York Post. Read below to learn what led Vitaliy to get into fi nancial blogging, the chal-lenges of taking a contrarian po-sition, and sneaking his love of classical music into a blog about fi nance.

EQ: What inspired you to start Contrarian Edge?

Katsenelson: I used to teach an investing class at University of Colorado. Th is goes back about 10 years. At the time, I was writ-ing an article for the Financial Times. At the Financial Times, articles are behind a paywall, so

that allowed me to repost my ar-ticles on the Internet for my stu-dents to read. In fact, 90 % of my articles are probably written for some kind of a non-blog publi-cation, or for my students. From there, Ill also post them on my blog.

EQ: You cover a lot of top-ics, some are based on observa-tions of the market and some are more personal. Do you have any philosophy going into blogging or when trying to de-cide what kind of topic is worth covering on your blog?

Katsenelson: Th ere are two types of writers: Th ose who can write about anything, and those like me, who can only write about subjects that they really care about. Its such a diffi cult process for me that I really have to care about the topic.

When I started writing, I was very serious. All my words were proper. Th ey were big words. I was very self-conscious that I wanted people to take me se-riously. Until one day, when I wrote this article describing my horrible experience with TiVo. When I called TiVo techni-cal support, they had this au-tomated system that could not understand my accent. I had to ask my three year old son to repeat everything that I said on the phone. Fortunately, the sys-tem understood my son. I had a Russian accent and my son had a Disney accent.

Th ere was very little market insight in that article, but it was funny, and I got such a great re-sponse from readers. I realized people dont want to just read an-other boring article. Writing that article kind of changed my life, because my writing has changed. Nowadays, whatever interests me, thats what Ill write about. You see parts of this on the web-site for my blog. Th ere is a sec-tion titled P.S. Life and one titled P.P.S. Music. I like classi-cal music, and I love that when I write, Im forced to learn more about it.

EQ: Do you feel the need to connect fi nancial matters to, say, classical music, or anec-dotes from your life, or do you feel those articles can stand on their own?

Katsenelson: Sometimes those connect, but I never force them to. If you look at my latest post, this weekend I was watch-ing a TED Conference and there was this talk about conductors. Th e presenter talked about how a conductor is really the man-ager of an orchestra. You have a lot of very accomplished people in the orchestra. Otherwise, they wouldnt be there. Th ey are very talented, but the conductors job is to make them all sound good together. If you think about it, you can relate this to manage-ment, and diff erent management styles.

EQ: Do you have any sort of long term goal for the blog?

Katsenelson: Not at all. Ive always just been inspired to share my thoughts on the mar-kets, as well as my other per-sonal interests with my readers. I never had an advertisement on the blog. I never tried to mone-tize it. Th ats never been impor-tant for me.

EQ: Do you have any stocks or investments that you fi nd particularly interesting?

Katsenelson: I wrote a huge article about Tesco Corp. Its probably one of the more con-trarian position that Ive taken, because that stock has been completely decimated. If you read the media, youll probably want to hide under the table if you own the stocks. But, when we do analysis, we cant kill the company, no matter what we try.

Th e stock is making a multi-year low, but they have business-es in Southeast Asia that they can sell. Th ey have a bank that they can sell. Th ey have a business called Dunnhumby which is a loyalty card business that they can sell. Th ey have a business in Eastern Europe that they can sell. If they just monetize those businesses and they sell at okay prices not great prices, not bad prices okay prices. You get a U.K. business almost for free. Its still the largest retailer in the U.K. Th ey have almost 30 % market share and they have almost 50 % market share in the line grocery business.

Th ey are facing strong compe-tition from discounters, but here in the U.S. you can see the anal-ogy with whats happened in gro-cery stores like Wal-Mart Stores Inc. (WMT). Grocery stores, I would argue, were in worse shape than Tesco is today, but they were able to overcome that and now theyre making new highs. It took a while, but theyre a much more pleasant place to shop. If their consumers benefi t and their stockholders benefi t, it forces the management to do more with less. I think the same thing is going to happen with Tesco. Its one of those contro-versial investments because if you read the U.K. press you feel

like this thing is going out of business.

EQ: Th at certainly is a con-trarian position, but you justify it well.

Katsenelson: I dont try to becontrarian for the sake of being contrarian. I try to come to my own conclusions. If my conclu-

sions agree with the consensusthen thats fi ne, but when your conclusion is diff erent from theconsensus, then by defi nition itbecomes contrarian and then atthat time this is one that I want to write about because this is agreat talking point.

When making a prediction, you always want to sound con-fi dent, but Id be lying if I said Ididnt feel a certain amount of trepidation at times. We are not genetically designed to be con-trarians. It takes a long time tofeel comfortable when youre onthe lonely side of the trade, even when your research tells you that youre right. Th ats what makes this so diffi cult.

EQ: Do you have any specifi c advice that you might want toimpart to your readers?

Katsenelson: Life is too short.Pick what you read wisely Iguess. Th ats a nugget of wisdom.

EQ: Finally, in the time that you have been blogging about fi nance and blogging in generalhave you noticed that the fi -nancial blogging landscape has changed at all?

Katsenelson: I think socialmedia changed things a lot. Tobe honest for me social media was kind of an aft erthought.I dont care how many peoplecome to my website for the mostpart. Th ats why I probably didntcare as much about it. A lot of bloggers are very consistentwhen they post their content, butIve never been able to do that. I guess Im not a traditional blog-ger.

Vitaliy N. Katsenelson, CFA,is Chief Investment Offi cer at Investment Management As-sociates in Denver, Colo. He is the author of Th e Little Book of Sideways Markets (Wiley, De-cember 2010).

Vitaliy N. Katsenelson, Denver


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Notable events from 2014 As a calendar year winds down, many peo-

ple like to reflect on the preceding 12 months. The end of the year can be a great time for personal reflection, but also an interesting time to look back on the more notable events that took place across the globe since the most recent turn of the calendar year. The follow-ing are some of the more notable world events to unfold in 2014.

An outbreak of the Ebola virus begins in West Africa in February. The outbreak infects and even kills thousands of people, and re-mains a concern throughout the year, both in Africa and across the globe.

The Seattle Seahawks dominate the Den-ver Broncos in Super Bowl XLVIII, which be-comes the most viewed television event in the United States. More than 111 million viewers tuned in to watch the game, which took place on February 2 in East Rutherford, NJ. Despite concerns about weather-related events in the weeks leading up to the big game, the game was ultimately played in relatively mild con-ditions.

The Olympic Winter Games begin in So-chi, Russia in February. Similar to the Super Bowl, the Sochi games are surrounded by weather concerns, as many speculate that So-chis climate is simply not cold enough to host the Olympic Winter Games. The weather does raise concerns once the Games commence, but the events go on with little interruption.

Malaysia Airlines Flight 370 disappears over the Gulf of Thailand. The Boeing 777 airliner, which took off in March and was car-rying 239 people, had yet to be found at press time.

Boko Haram, an Islamist Jihadist and ter-rorist organization, claims responsibility for the April abduction of nearly 300 female stu-dents from a government school in Nigeria.Citing safety concerns, the government hadclosed the school in the weeks prior to the ab-duction, only reopening to allow students to take final exams. The students had yet to be released at press time.

Felipe VI ascends to the Spanish thronein June after his father, King Juan Carlos I,abdicates. Juan Carlos I became the fourthEuropean monarch to abdicate in a little over a year, following Pope Benedict XVI (Febru-ary 2013), Queen Beatrix of the Netherlands(April 2013) and Belgiums King Albert II (July 2013) .

In July, tensions between Israel and Pal-estine boil over once again after three Israeliteenagers are kidnapped and murdered and one Palestinian teenager is killed in retalia-tion. Many people are killed in the resulting conflict, which includes missile strikes and aground invasion.

By a 55 percent majority, the people of Scotland vote No to an independence refer-endum that would have separated the coun-try from the United Kingdom. More than 3.6million Scots voted in the September referen-dum, which would have ended a centuries-old union had the people of Scotland voted forindependence.

New York Yankees shortstop Derek Jeterplays the final game of his career on Septem-ber 28. In an ironic twist, the game is playedat Bostons Fenway Park, home to the BostonRed Sox, the Yankees fiercest rival.

Great gift ideas for everyone on your list (MS) Holiday shopping

season has hit full swing, and shoppers everywhere are searching far and wide for the perfect gift s for their family and friends. Veteran holiday shoppers know that no two people on their shopping lists are the same, which can com-plicate their quests for the per-fect presents. But a careful con-sideration of your loved ones personality and passions can help you fi nd a gift thats sure to elicit a smile this holiday season.

Joe CoolFor the cool, calm and col-

lected type on your shopping list, California-based sun-glass brand Kaenon Polarized (www.kaenon.com) intro-duces a new Limited Edition Frost collection available this holiday season. The limited-run collection features per-formance and active lifestyle designs for both men and women, treated with a unique frosted-crystal frame finish to offer an icy-cool winter look. At the heart of every Kaenon Polarized sunglass is its pro-prietary SR-91 lens material, which is the industrys first and only uncompromising lens to offer shatter resistance from high mass impact, ex-treme lightweight and unpar-alleled visual clarity and detail definition.

Th e Go-GetterTh e always on-the-run rela-

tive or friend on your holiday shopping list will no doubt ap-preciate the Th ompson Tee (www.thompsontee.com) a specialized undershirt devel-oped by the William Th omp-son Co., LLC, to protect shirts from sweat marks. Th e inno-vatively designed sweat-proof undershirt expertly blends the companys proprietary Hydro-Shield sweat-proof technol-ogy and 100 percent ultra-soft premium lightweight cotton to produce a clinical-grade sweat-proof material that guarantees unparalleled underarm protec-tion in a comfortable and in-conspicuous way.

Th e Absent-Minded ProfessorKnow a friend or fam-

ily member who is always mis-placing his or her eyeglasses? Th e Lens Friend is a unique, powerful one-piece magnetic clip made of a soft silicone, designed to secure eyewear to any article of clothing or bag. Available in multiple colors, the Lens Friend (www.thelens-friend.com) is enjoyed by men, women and children, making it an ideal stocking stuff er this holiday season.

Th e FoodieRice cookers make a great

holiday gift for the foodie on your holiday shopping list. Ti-

gers Rice cookers (www.usa.tiger-corporation.com) feature exclusive Synchro-cooking function so that two diff erent dishes, be it rice with chickenand vegetables or chili and cornbread, can be cooked at the same time. Tiger Rice cook-ers are available at Bed Bath & Beyond and Amazon.

Th e Fashion ForwardBased in Southern Califor-

nia, the Jorg Gray brand (www.jorggray.com) off ers a rangeof unique watches that refl ectan eff ortless American styleand sophistication tailor-madefor your fashionable friendsand family members. In re-sponse to overwhelming de-mand, Jorg Gray has recently expanded into a global brand and is the timepiece of choice for the U. S. Secret Service and the President of the UnitedStates, as well as a variety of high profi le celebrities and ath-letes. Chic consumers acrossthe globe continue to respond to the Jorg Gray hallmark of exceptional artistry and out-standing value.

Finding the perfect presentfor friends and family mem-bers come the holiday season is not always so easy. But a care-ful consideration of loved ones passions and personalities canhelp holiday shoppers fi nd agift thats sure to make this hol-iday season even more special.

Winter beauty mistakes to avoid

Cold, blustery weather is wait-ing to rear its ugly head whether the public likes it or not. Winter weather may require revamping your normal health and beauty routine, as your skin and hair may need a bit more attention this time of year.

Chances are you may be do-ing one or more things wrong this winter, according to beauty experts. Learn the mistakes many people make and how to avoid them.

Using the same foundation: Makeup needs may change in the winter. In addition to explor-ing a diff erent color palette, you may need to actually change the formulation of the products you use. Skin tends to dry out in the cold, necessitating a switch to a foundation that boasts moisturiz-ing agents. People who fi nd their skin is normally oily may fi nd a product for combination skin ac-ceptable.

Taking prolonged, hot show-ers: Many people enjoy lingering in a hot shower or bath during the colder months of the year. But too much hot water can compromise your skins ability to contain mois-ture, further complicating dryness that comes with the season.

Covering dry skin with make-up: Slathering on makeup to hide dry skin will only make it more noticeable. Instead, do some gen-tle exfoliation and moisturization to combat the problem. Gently rub a wet washcloth over dry ar-eas to remove fl aky skin and prep your face for makeup application.

Going overboard with a tan: Artifi cial tans can be unhealthy for the skin. Do not try to com-

pensate for shorter bursts of sun-light by spending hours in a tan-ning bed. Avoid self-tanners and bronzers as well. If you must use a bronzer, stick to one shade dark-er than your skin tone and only touch the places the sun would hit naturally.

Skipping sunscreen: Th e sun still shines in the winter, and skin is still susceptible to damage. Make sun protection a year-round part of your beauty regimen. Use a moisturizer with SPF built in to make morning routines that much easier.

Forgetting hands and feet: Skin on hands and feet can dry out in winter air. Wear gloves to protect hands and thoroughly moisturize. Use a pumice stone to give feet an exfoliating treat and slather on the moisturizer. Pull on a pair of cotton socks and let that moisture penetrate feet for soft soles and toes.

Selecting the wrong lip balm: Chapped lips seem to be par for the course this time of year. In-stead of reaching for a waxy lip balm full of menthol, which can exacerbate already dry lips, select a lip butter or something that has a more liquid consistency to get into the cracks of dry lips.

Ignoring hair: Your hair and scalp may need some winter TLC as well. Use extra conditioner to combat dryness and breakage. Rely on heat-protection styling products to combat damage from hair driers and other heat-based styling tools.

Winter beauty is attainable, especially when men and women remember to compensate for the poor conditions.


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Winter plants brighten spaces Spring and summer have the

colorful blooms and rich green-ery that make the great outdoors so lush and inviting. Autumn is awash in vibrant colors that beckon people outdoors to ex-plore. But winter has a poor reputation with regard to natu-ral beauty. While its true that many plants and wildlife retreat into hibernation come the cold-er temperatures, some choose the wintertime to bloom. Other plants and shrubs continue to hold on to their leaves and color despite the cold.

Hardy winter plants do more than just survive the snow and ice. Many thrive and have the potential to add that unexpected touch of color to an otherwise dreary landscape.

In addition to berry bushes that can feature bright red, yel-low and orange berries perfect for holiday decorating, plenty of other plants are visually appeal-ing through colder temperatures.

Mahonia: Some varieties of mahonias bloom in the winter and can be hardy up to USDA Zone 9. Th e close relative Or-egon grape holly will fl ower in very early spring.

Camellia: Camellias grow fl owers similar in shape and size to roses. Th ey range in shade

from light pink to bright red. Ca-mellias can bloom all year long in moderate temperature zones. Even in colder zones, some cold climate hybrids can continue to add welcome color to the garden.

Daphne: Th e fragrant fl ow-ers of many daphnes appear in mid-winter. Th e variety Jacque-line Postill is evergreen.

Evergreen holly: Perhaps the evergreen holly is the quintes-sential winter plant. Green shiny leaves and bold red berries can be a bright spot in a winter gar-den. A holly hedge also can serve as a wind and privacy barrier.

Japanese pieris: Flower buds on this shrub, sometimes called the Mountain Fire, thrive from fall through winter. Th is shrub needs moist, well-drained soil and should be placed in a shaded location in warmer climates.

Hellebore: Also called the Christmas Rose, hellebores can be delightful in areas of the country where winter fl owers tend to be rare. Th e plant bears pure white fl owers that oft en age to pink.

Snowdrop: Th ese delicate white blooms oft en pop out of a layer of snow even before the fi rst crocuses of spring. Snow-drops can wait out harsh weather and even extended snow events

before eventually sprouting. Crape myrtle: Th ere are

around 50 species of these trees and shrubs that are native toparts of Asia and India. Th e treesbloom beautifully and continue to hold on to their bright colored fl owers in warmer climates.

Winter jasmine: If you wantto create a mid-winter color splash, consider the climbing winter jasmine, which is hardy in zones 5 to 10 and blooms inJanuary.

Jelena witch hazel: Th esecurly, odd-shaped blooms have a rich, copper color and canbloom as early as January. Th isplant also is an orange-red color in autumn.

Kaffi r lily: Also known as theRed River lily, these peren-

nials appear in the fall but can still bloom on mild days in thewinter. Th ese plants prefer wet conditions.

Winter vegetables: Planting cabbage, spinach or swiss chard can give you something freshto eat through late autumn andeven into winter if you have a greenhouse or cold frame in the yard.

Winter may be characterized by dreary landscapes, but plenty of plant life thrives in spite of the chill.

How to remove snow from your roof Th e beauty of

winter landscapes is not foremost on the minds of homeown-ers who have roofs full of heavy snow and ice. What may seem beautiful else-where can cause anx-iety when ones home is under a precipita-tion onslaught.

Excessive snow loads on a roof can cause the roof to leak or even collapse. Th e weight, and not the depth, of the snow is what determines if it needs to be removed from the roof. Fluff y snow may not be problematic, as it can take around seven times as much dry snow to equal the weight of wet snow.

Aft er a snowstorm, go outside and lift a few shovelfuls of snow. If its back-breaking work, then the snow on your roof may be dangerous.

Homes built to code can typi-cally handle the snow and ice load that comes with the winter season. However, homes that have undergone unapproved renovations, or those where load-bearing walls have been re-moved from the interior may be susceptible to catastrophic roof collapses.

Another problem homeown-ers face this time of year is ice dams, which occur when snow on the roof melts slightly and then refreezes, forming thick

portions of ice usually at the edges of the roof by the gutters. Ice dams can divert melting snow in and under roofi ng shingles instead of through gutters and downspouts.

A common contributor to ice dams is inadequate ventilation and insulation in attics. Heat from the interior of the home that rises into the attic can cause the roof to warm up enough to melt the snow. Th is is easily rem-edied by having ample insulation and ensuring proper ventilation of the attic to maintain tempera-tures cool enough to prevent un-derside melting of snow.

Signs of a problemIf you experience any leaks

from the ceiling or notice water coming down walls, a roof leak from excess snow or ice dams may be the culprit. Snow that is too heavy may create cracks in plaster and drywall and cause sagging that aff ects the frame-work of interior doorways. If

you hear creakingor popping sounds,immediately exit thehouse, as these arestrong indicators ofan imminent col-lapse.

Clearing the roofTh e Better Busi-

ness Bureau warnsagainst going up onthe roof if you can-not safely remove thesnow with an ice rakeor similar tool. You

should not jeopardize your health by trying to remove snow and ice.

Confi rm that contractors whoremove snow have current liabil-ity and workers compensation insurance before hiring them.Contractors will charge any-where from $60 to $300 per hour to remove snow from the roof.Always inquire in advance as towhat a fee covers.

Even aft er snow is removed, theres no guarantee it will not accumulate again. Keep in mindthat some snow and ice removal remedies can invalidate the war-ranty on recently installed roof shingles. Th is is something thatmust be weighed before proceed-ing with snow removal.

Home insurance policies may or may not cover the cost of snow removal and damage. Call your insurance company to fi nd out what your policy covers. Keep good records for the cost of allrepairs to see if you can be reim-bursed.

Cleaners not always bad for the environment

Shampoos, hand soaps and cleaning products typ-ical ly contain surfactants, which are substances re-sponsible for producing suds and cutt ing through grime. Surfactants are compounds that lower the surface tension of a l iquid al lowing it to spread more easi ly, ser ve as a wet-ting agent, disperse dir t , or produce a foaming ac-tion. Although some sur-factants can be harmful to the environment in large amounts, when used cor-rect ly, many surfactants do not present a signif i-cant environmental r isk.

Many surfactants pos-sess both water-soluble and oi l-soluble character-ist ics . These traits make surfactants capable of maintaining a mixed solu-t ion of oi l and water. Many types of cosmetic products as well as cleaning solu-tions contain a surfactant in some shape or form.

Some people are famil-iar with surfactants con-tained in shampoos and personal cleansing prod-ucts. The most commonly used surfactants are so-dium laureth sulphate and sodium laur yl sulphate. These substances provide a lot of the lather and detergency in shampoo. Individuals often equate lather with cleansing abi l-ity, whether this is jus-ti f ied or not. Therefore, some cleaners wil l con-tain extra surfactants to achieve that desired r ich lather.

Much of the concern surrounding surfactants is their impact on the envi-ronment. Cleansers are of-ten washed down the drain after use, and some worr y that they could seep into the ground and eventual ly harm plants and wildli fe and impact groundwater.

New information has emerged that reinforces previous studies that soap-suds are not usually harm-ful to the environment. A comprehensive report by researchers at the De-partment of Environmen-tal Science, AU Roskilde, at Aarhus University in Denmark looked at the environmental properties of detergent substances in personal care and cleaning products. The report indi-cates that , when substanc-es are used correct ly and responsibly, the r isk to the surrounding environment is ver y low.

Many surfactants are designed to degrade rap-idly. When they travel through wastewater treat-ment plants, they quickly break down. Even if many surfactants were direct ly deposited into the envi-ronment without treat-ment, their composition would not remain intact for ver y long.

Although many soaps are safe, those concerned about the environment may want to avoid surfac-tants comprised entirely of petroleum bases. How-ever, many surfactants come from mixed sources. A surfactant may have a mix of plant- , animal- and petroleum-based sources.

As with any other envi-ronmental concern, mod-eration is key. Although surfactants in cleansing products are relat ively safe, individuals should moderate their use and dis-pose of cleaning products in a safe manner. Always read product packaging to determine if a cleansing agent requires special ized disposal. Do not pour a substance down the drain without f irst learning of its potential impact on the environment.


3 11


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Recovering from identity theft Th e crimes of identity

fraud, a situation in which someones personal informa-tion is used to access money, and identity theft have grown increasingly common in re-cent years. Th e number of identity fraud victims jumped to 13.1 million in 2013, ac-cording to a report by Javelin Strategy & Research.

Data breaches and hacker activity account for a growing number of identity theft cas-es. In addition, criminals have grown more adept at using information they ob-tain about others to take over consumers fi nances.

So how do those victimized by identity theft repair the damage and recover their good names? Th e process can be both time-consuming and frus-trating, but the following is a plan to help men and women recover from identity theft .

Do not panic if you learn of a data breach or even if your personal information has been com-promised. In many instances, banks, retailers and other companies that store personal data have safe-guards in eff ect to prevent widespread distribution or use of stolen information. A data breach may mean account numbers were stolen but not PIN codes. Get the facts fi rst and then you can go from there.

Americans victimized by identity theft can fi le an offi cial report with a local law enforcement agency as well as the Federal Trade Commission. Keep a copy of the police report as well as the con-tact information of the fraud investigator who han-dled your case. Many creditors will require a police report when individuals try to resolve problems with them. Canadians can log on to the Anti Fraud Centre (www.antifraudcentre-centreantifraude.ca) and download an Identity Th eft Statement.

Contact one of the three major credit monitor-

ing bureaus and ask to have a fraud alert placed on your credit report. Aft er an alert is placed by one credit bureau, the others should follow suit. Give the police report num-ber or any claim number to the credit bureau as well. Here are the numbers for the credit bureaus:

- Equifax: 1-800-525-6285- Experian: 1-888-397-

3742- TransUnion: 1-800-680-

7289 Contact your credit card companies promptly

and inform them of the identity breach. Th ey can put notes on your account to verify purchases and also to go over any purchases made recently that may be suspect. Just to be safe, ask each of your creditors to issue new cards with a diff erent ac-count number.

Speak with a banking representative if you are a frequent user of an ATM card or debit card. Review your latest banking statement to see if there are any suspect transactions on the account. Request a new debit card be issued.

In some instances, identity thieves change your address in order to facilitate additional crimes, such as the delivery of credit cards and fraudulently purchased merchandise. If you suspect that this has happened to you, notify your areas postal inspec-tor.

If you suspect offi cial documents and identifi -cation numbers, such as passports or licenses, have been compromised, you must contact those agen-cies directly and follow their guidelines.

Even aft er you go through the process of restor-ing your identity, you will need to remain diligent and frequently monitor credit reports and state-ments to ensure your information is no longer be-ing used illegally.

Understand and avoid elder financial fraud Elder fraud is a fi nancial

crime that targets older men and women who are oft en unable to recognize they are being victim-ized. Elder fi nancial fraud is a broad term that can be applied to a host of crimes, from stealing money or property directly from an individual to using an older persons property or possessions without permission.

Many seniors are targeted through telemarketing scams in which elders are scared into giv-ing money out of fear of losing their homes. Some are exploited by people closer to home who forge signatures or get an older person to sign over deeds or power of attorney.

Criminals oft en see elderly men and women as easy targets. Seniors may be suff ering from declining physical and/or mental health, which compromises their ability to defend themselves or even recognize they are being taken advantage of. Seniors also may be embarrassed that they were duped and not share their experiences with others as a re-sult. But elder fraud also can be perpetrated by family members who aim to acquire an elderly relatives assets.

Recognizing scenarios where fraud may be committed can help men and women protect

their elderly relatives from being victimized by elder fraud.

Confi rm professionals are who they say they are. More than 170 designations and cer-tifi cations are used within the fi nancial industry to identify professionals. Some of them do not necessarily mean a person is qualifi ed or can be trusted to

handle an individuals assets. Always ask a fi nancial advisor if he is overseen by a government agency or is authorized to pro-vide advice under the fi duciary standard of care. Be especially careful when dealing with ad-visors who try to push certain products or those who suggest

shortcuts and blending services. Such professionals are not nec-essarily criminals, but they may have ulterior motives in mind and not be overly concerned about you or your loved ones fi -nancial well-being.

Pay attention to your ac-counts. Unusually large with-drawals from automated teller machines or cashed checks with signatures that do not match the signature on the account are both indicative of fraud. If you are monitoring a loved ones ac-counts, question any surges of activity in accounts that are nor-mally somewhat inactive.

Ask a loved one to keep you abreast of changes in their will. Abrupt changes in a will or other fi nancial documents should also cause concern. Family members caring for a senior should be aware of any major changes to important documents.

Monitor a loved ones pur-chases. Sudden purchases, whether its an updated insur-ance policy or unnecessary home repairs, may be indicative of elder fraud.

Elder fi nancial fraud targets an oft en vulnerable segment of the population, and its oft en up to loved ones to protect their elderly relatives from being vic-timized by such crimes.

How to handle food safely Consuming contaminated

food or drink puts anyone at risk for a foodborne illness. Foodborne pathogens do not discriminate based on genetic background or family history of illness. Bacteria and other dangers in poorly handled food can cause a small outbreak or ill-ness that aff ects thousands upon thousands of people.

Th e Centers for Disease Con-trol and Prevention as well as Th e Mayo Clinic estimate that 31 pathogens are largely responsible for the roughly 48 million cases of foodborne illnesses that occur each year in the United States. About 127,000 people are hospi-talized annually for these condi-tions, and approximately 3,000 do not survive.

Norovirus, salmonella, cam-pylobacter, staphylococcus, and listeria are a handful of patho-gens known to cause foodborne illnesses. While norovirus can be spread from one infected person to another, many other cases of foodborne illnesses can be traced to the presence of bacterium on raw meat and poultry. Th at bac-teria is then spread through im-proper food packaging, handling and cooking procedures.

Symptoms of foodborne ill-ness may include gastrointestinal distress, fever, cramps, vomiting, and diarrhea. Listeria can cause confusion and convulsions, and the CDC notes that a liste-ria outbreak in September 2011 claimed several lives. In that in-stance, the bacteria were passed to consumers via contaminated cantaloupe.

Contaminated food can turn up in restaurants or in home kitchens, so its a must that both professional and amateur cooks exercise caution when handling food. Cooking foods at proper temperatures and storing items properly can prevent illnesses caused by food pathogens. Be-cause you cannot see or smell bacteria, you must always as-sume it is present in your food and take the necessary precau-tions to safeguard yourself and the people you cook for from illness.

When shopping for grocer-ies, select food carefully. Shop for nonperishables fi rst and do

not place refrigerated and frozen items in your cart until you are ready to check out. Avoid any ripped or damaged packages of meat and poultry, and ask thatsuch items are wrapped twice before you leave the store.

Pay close attention to sell-by or use-by dates on foods. Do not buy items past their expiration dates, and, if something is expir-

ing soon, promptly freeze it or use it immediately.

Before cooking, always clean your hands as well as the sur-faces you will be using to pre-pare meals before you begin that preparation. Rinse fresh fruits and vegetables underrunning water, even those withskins that will not be eaten. Contaminants can be spreadfrom rinds to the food beneath.Clean the lids of canned goods before opening.

Separate raw meats fromother foods. Designate one cut-ting board or container for suchfoods so they do not contami-nate others. Never place cookedfood on an unwashed surfacethat previously held raw meat,seafood or eggs. Do not reuse marinades that once held raw foods.

Cook foods to the proper in-ternal temperature to kill food-borne pathogens. Th is variesdepending on the food, so to be safe, you can refer to cook-ing charts or a food thermom-eter. Color of foods is not a reli-able indicator of doneness. Eggsshould be cooked until the yolk and white are fi rm. Avoid reci-pes that call for raw meat or raw eggs.

Check the temperature of thefreezer and refrigerator to en-sure such appliances are work-ing correctly to keep food fresh.Left overs should be promptly refrigerated to slow the growthof harmful bacteria. Periodically clean out the refrigerator and freezer of old foods. Th ey willnot stay fresh interminably, evenwhen cold.

Although foodborne patho-gens make millions sick and cause many deaths, some peoplefail to take the threat of these vi-ruses and bacteria seriously. Al-ways practice safe food handling to avoid foodborne illnesses.


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Dec 27 2014

Celebrate Kwanzaa: KujichaguliaDenver Public Library2401 Welton St, Denver, CO 80205Blair-Caldwell African American

Research LibraryStarting: 2:00 PM

Jan 2 2015Ian Mellencamp Unplugged2 South Broadway, Denver, CO 80209Mutiny Information CafeStarting: 8:00 PM

Jan 2 2015Open House at Lumonics Light & Sound GalleryAddress:800 East 73 Avenue #11, Denver, CO

80229Lumonics Light & Sound GalleryFrom: 7:00 PM to 10:00 PM

Dec 1 2014 Feb 2 2015

Colorado Day at Jakes with weekly tastings

Jakes Food & Spirits3800 Walnut St., Denver, CO 80205Starting: 6:00 PM

Dec 30 2014Celebrate Kwanzaa: NiaDenver Public Library5171 W. Dartmouth Ave., Denver, CO

80236Bear Valley Branch Denver Public

LibraryStarting: 6:00 PM

Dec 27 2014 Dec 28 2014Conjure10075 Commons Street, Lone Tree, CO

80124$28+Lone Tree Arts CenterSaturday: 8:00 PM, Sunday: 1:30 PM

Dec 27 2014 Jan 18 2015

Dreamgirls

Ignite Th eatre9900 East Colfax, Aurora, CO$19 $27Aurora Fox Arts CenterFriday & Saturday: 7:30 PM, Sunday:

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Dec 28 2014

Junie B. in Jingle Bells, Batman Smells!Strings Music Festival900 Strings Road, Steamboat Springs,

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Dec 28 2014

Trombone Shorty & Orleans Avenue935 East Colfax Avenue, Denver, CO

80218$36.50Ogden Th eatreStarting: 8:00 PM

Dec 26 2014 Jan 1 2015Boombox935 East Colfax Avenue, Denver, CO

80218$27.50 $50

Ogden Th eatreStarting: 9:00 PM

Dec 29 2014 Dec 31 2014

Lucero3263 South Broadway, Englewood, CO

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DecadenceColorado Convention Center700 14th Street, Denver, CO 80202Starting: 8:00 PM

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Dec 31 2014

13th Annual White Rose Gala NYE Denver 2014Kevin Larson Presents1101 13th Street, Denver, CO 80204$69Ellie Caulkins Opera House Denver

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Dec 31 2014A Night in ViennaColorado SymphonyBoettcher Concert Hall in the Denver

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Dec 31 2014A Night on the DanubeBoulder Chamber Orchestra470 S. Allison Pwky., Lakewood, CO

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ARIES Mar 21/Apr 20Aries, you feel amazing this week. Your

enthusiasm can be quite contagious, and many friends may come calling in the hopes that your good vibes rub off .TAURUS Apr 21/May 21

You may have diffi culty solving a diffi cult problem at work this week, Taurus. Take a methodical approach, and the solution will come to you before you know it.GEMINI May 22/Jun 21

Th ings may not have been going your way, Gemini, but there is still no reason for disappointment. You will fi nd a way to bounce back from these setbacks in a few days.CANCER Jun 22/Jul 22

Cancer, your presence alone is enough to impress people this week. Focus all of your energy on positive things, and you will accomplish quite a bit before the week is over.LEO Jul 23/Aug 23

Leo, now is a good time to assess your health goals and make a few plans for the new year. Its within reason to change your diet or start a new exercise regimen.VIRGO Aug 24/Sept 22

Incredible effi ciency this week has you zipping through your to-do list, Virgo. Enjoy some relaxation time once you have completed all your projects.LIBRA Sept 23/Oct 23

Work and family issues are on your mind, Libra. Find ways to balance work and family as best as you possibly can. Dont be hard on yourself if you cannot manage everything.SCORPIO Oct 24/Nov 22

Scorpio, this week is a great time to complete projects that have been on your

plate for quite some time. All you really needto do is set your mind on them.SAGITTARIUS Nov 23/Dec 21

Sagittarius, you may feel rushed by externalpressures, but its really up to you to set yourown pace. If you keep a calm head, things willfall in place and you can complete your tasks.CAPRICORN Dec 22/Jan 20

Th is week some people close to youneed a little space. Honor their requests andshow them some respect, Capricorn. Yourrelationships will weather the time apart.AQUARIUS Jan 21/Feb 18

Aquarius, things are bound to movequickly once you put a plan in motion.Get all of your ducks in a row to make asmooth transition. You may have to do somehomework.PISCES Feb 19/Mar 20

You can probably have fun in any situationthis week, Pisces. Your youthful exuberancewill keep you busy and laughing.

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Teaching kids to give back Charitable giving is a part of the

holiday season for many people who are spurred to donate for var-ious reasons, including the general spirit of giving synonymous with the holidays.

Th at giving does not have to be exclusive to adults. Parents who want to show their youngsters this season is about more than presents can approach that task in various ways, including involving kids di-rectly in giving back to their com-munities or helping the less fortu-nate.Volunteer work

Kids of all ages can volunteer. Acclimate youngsters to the idea of volunteering this holiday sea-son. Youngsters eff orts need not

be elaborate. Toddlers can help col-lect food for a food pantry while school-aged children can assist elderly neighbors. Th e entire fam-ily can work together at a school, hospital or nursing facility. Th e ear-lier children become accustomed to giving back, the more inclined they may be to continue those ef-forts and make it a central part of their lives.Clean out the closet

Donating items also can teach kids valuable lessons, including helping them recognize how for-tunate they are and how they are in a position to help those who are not so lucky. Parents and children can work together so it doesnt seem like the little ones are the only ones giving away their belongings. Adults also should sort through their items and have an equally impressive pile of donations. In ad-dition to local clothing collection bins, there are regional and na-tional collection services that may even pick up items right from your home.

Bake saleAnother fun way children can

get involved is by hosting a bakesale or craft sale. Th e proceeds of all items sold can be used to ben-efi t a charity chosen by the kids. Let youngsters set the course forthe creative extravaganza.Clean up

Families can work together toclean up a stretch of beach or a local park or even make improve-ments to a neighborhood play-ground. Ideas include painting murals, installing benches and cleaning up litter. Just be sure toget permission from the property owner or appropriate civic au-thorities so that your project is notinterrupted or deemed illegal.Educate others

Children old enough to under-stand the plight of others can helpto spread knowledge and aware-ness about particular issues. Ask a teacher if children can speak in front of the class about their chari-table eff orts and what others cando to make real changes.

Give back without going broke Nonprofi t organizations oft en

depend on fi nancial donations to stay afl oat. Donations can be used to fulfi ll a mission statement, pay staff or raise awareness of events sponsored by the organization.

Th ough fi nancial donations are how many people support causes near and dear to their hearts, such gift s are not aff ordable for every-one. But prospective donors who cant reach into their pocketbooks can still support worthy causes by giving back in other ways. Th e following are a handful of alter-natives to fi nancial donations for people who want to give back to their communities.

Off er your services. Work-ing professionals have their own unique skill sets, and organiza-tions are always in need of people who can bring something unique to the table. Off ering your services is diff erent from traditional vol-unteering because volunteering projects typically do not require anything more than a willingness to pitch in on a project or lend a hand at an event. When off ering your services, you are off ering something more than a typical volunteer. For example, attorneys may be able to provide legal advice pro bono while contractors may be able to design projects instead

of just pitching in when it comes time to turn those designs into something tangible. Off er your ex-pertise and you will no doubt fi nd numerous organizations ready to accept your off er.

Donate your belongings. It may not seem like much on the surface, but donating old clothing or appliances can make a big dif-ference to a local charity. Charities may be able to sell your donations to generate money, or they may put them to use serving the less fortunate. Find an organization that accepts such donations and, depending on how substantial your donations are, ask for a re-ceipt so you can earn a tax deduc-tion if you qualify.

Coach or teach local youth. Another way to give back to the community is to volunteer to coach or teach your youngest neighbors. If you decide to coach, choose a sport you have experi-ence with, especially if you decide you want to coach older children with more advanced skill sets. Adopt a similar approach if you decide to teach or tutor, choosing a subject, perhaps one thats affi li-ated with your profession, that you feel comfortable with.

Create an internship. If you own your own business or work

for a company that could use a helping hand, create an intern-ship (or propose the idea to youremployer and off er to oversee theprogram). Internships are oft eninvaluable opportunities for high school and college students, so creating such a position can be a great way to give back to the young people in your community.

Raise awareness of a goodcause. Many nonprofi t organiza-tions sponsor community events in an eff ort to raise awareness fortheir causes. Such events may in-clude a 5K, a walk for charity or a local vendor showcase where the entry fees go directly to the organi-zation sponsoring the event. If you want to give back but cant aff ord to make a donation, then participate in such events. Races and charity walks oft en encourage participantsto form teams made up of friends,family members and coworkers, so enlist the help of others and ask them to share their participa-tion via social media so they raise awareness for a good cause.

Giving back does not have to break the bank. Charitable menand women who cant aff ord to cut a check can give back in otherways that can benefi t their favorite charities just as much as fi nancial donations.

How senior donors can avoid scams

Con artists masquer-ading as charities can vic-timize anyone, but seniors are especially vulnerable to such criminals. Men and women who per-petrate charitable fraud oft en target older men and women, feeling that seniors are more likely to have a signifi cant amount of money in their bank accounts and less likely to report crimes for fear of embarrassment.

But even if seniors are prime targets for chari-table fraud, they still can take steps to safeguard themselves from scam-mers looking to exploit their generosity.

Never donate over the phone. No reputable charity will insist on a donation over the phone. When a person calls and says they represent a charity, they should be willing to send you information in the mail so you can further explore their organization before making your fi nal decision. If a caller at-tempts to pressure you into do-nating over the phone, hang up.

Keep a list of organizations you have donated to in the past. Many people who perpetuate charitable fraud reference a past relationship or donation history between their victims and the charity the criminal is claiming to represent. Maintain a list of your donation history, includ-ing the organizations you have donated to and the amount of those donations. Th is can help you verify if the person calling, emailing or visiting you is tell-ing the truth.

Do not feel obligated to give. Many charities send gift s to their donors as a token of appreciation for their support. Some criminals masquerading as charities will send gift s to po-tential victims in an attempt to fool them into writing a check. Whether a charity is legitimate or not, seniors should not feel obligated to donate simply be-cause they received a gift . If you receive a gift and want to donate, confi rm that the orga-nization that sent you the gift is legitimate and not an imposter

organization that is baiting you with a gift . If the gift was ac-companied by a donation form, do not fi ll out that form, choos-ing instead to make a direct donation via the organizations website, a site you should fi nd independent of the mailer/gift you received, or mail a check directly to the organization aft er you independently confi rm its address, be it through your own research or by contacting the Better Business Bureau (www.bbb.org).

Insist that your personal information is not shared. Be-fore making a charitable dona-tion, donors are oft en notifi ed that their contact information is likely to be sold to or traded with other charities. Th is can lead to an infl ux of charitable solicitations that elderly men and women may fi nd over-whelming. So prior to making a donation, speak directly with the charity and insist that none of your information be shared with other charities or organiza-tions. If this cannot be arranged, fi nd an organization willing to make such a concession and contribute to that charity in-stead.

Ask for help. If you are con-fused when it comes time to make your annual donations, ask a son, daughter or trusted confi dante for help so you can rest easy knowing your dona-tion goes where you intend for it to go.

Some nonprofits help other charitable entities Charities are established to meet

the ever-growing need of various causes. But where do charities turn when they may need some support and assistance?

Some organizations aim to as-sist those who are helping oth-ers. One such organization is Th e Giving Back Fund, a national nonprofi t that provides consult-ing and management services to corporations, families, individuals and nonprofi t organizations. Non-

profi t organizations oft en turn to the GBF when they are looking to establish a new charity or if they need assistance in meeting their missions.

Like many charitable organiza-tions, GBF relies on private sector donations to support their pro-grams and projects. Supporters can choose to donate to a specifi c pro-gram with which GBF is affi liated, or make a general donation that will be put toward other eff orts.

GBF can help a nonprofi t or-ganization establish its infrastruc-ture, including its programs and fundraising eff orts, and the foun-dation also has experience in im-plementing marketing campaigns to raise awareness about charitable issues. But the GBF is not a fund-raising organization, and will only help to lay the groundwork for a nonprofi ts eff orts.

Th e GBF has worked with a number of organizations that sup-

port a variety of causes. In addi-tion to families and independent charitable giving programs, GBF has worked with high-profi le ath-letes and celebrities to connect them with nonprofi t organizations that may need a famous face to help kickstart their eff orts.

While the GBF accepts fi nan-cial donations, the organization also needs interns and workers for their Los Angeles-based head-quarters. Th ose interested can learn more at www.givingback.org.

Individuals looking to help nonprofi ts can institute their ownvolunteer policies. Nonprofi ts oft en turn to established profes-sionals to volunteer and off ertheir expertise, as attorneys, ad-vertising professionals and menand women with fundraising experience may be able to pitch in and help a nonprofi t organiza-tion.

Nonprofi ts go to great lengthsto better their communities, but these organizations sometimesneed a helping hand as well.


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3Buffet Entertaining Tips And Timesavers

Buffet-style meals are often the best option for large gather-ings of friends and family. Space constraints can make it difficult to sit everyone down for a formal meal, and buffets enable guests to mingle with one another while se-lecting only the foods they want to eat.

These are not the only advan-tages to buffets, however. Plenty of dishes can be made in advance and stored in the freezer, provid-ing hosts and hostesses a little breathing room. Meals can be prepared a few days in advance and heated up come the day of the festivities.

Buffet service can work any time of the day and can include both cold and hot foods if they are kept at the right temperature. Explore these other tips for enter-taining buffet-style.

Present food in an easily ac-cessible location. Place food on a table or counter that will not be in the way of foot traffic. Arrange dishes and cutlery at the head of the buffet line so guests can move in an orderly fashion as they select their food.

Tie together utensils for ease.Group forks, knives and spoons with a cloth napkin and dish so guests can easily grab what they need for dining.

Practice food safety. Hotdishes need to be kept warm and cold dishes need to be placed on ice. Chafing dishes make this pos-

sible. Use chafing dishes and pans in combination with your serving plates. Heated elements or sternos under chafing dishes will keep foods steaming. Place crushed ice and water in a pan under cold foods to keep them chilled. Food should be removed if it has been sitting at room temperature for more than two hours.

Experiment with meals thatkeep. Stews, casseroles, soups, baked pasta dishes, and similar fare can be made in advance and frozen. Thaw these dishes in the refrigerator the day before the party, then heat up foods and serve for the buffet. Prepared foods purchased at a supermarket or specialty retailer also work well for buffets. Simply purchase and then set out for even less work.

Weigh your catering options.Catering services can make easy work of holiday hosting but not without expense. Caterers may charge by the person or by each tray of food. Some will include table settings and rolls with the price; others may not. Calculate the costs of using a caterer and weigh them against the cost of do-ing the work yourself.

Use plastic utensils for hotfoods. Metal spoons and forks can quickly heat up when sitting in hot serving dishes. Use plastic utensils so guests do not get burned.

Keep dressings on the side.Salad dressings and other condi-ments can cause foods to wilt or

get soggy. Have them nearby so guests can help themselves. Top-less squirt bottles are easier to handle and can help limit spills.

Be mindful of food allergies.Although you may have various foods available to meet the dietary needs of guests, do not place risky foods next to others. Cross-con-tamination can occur from spills or if a person uses the same serv-ing spoon to dish out foods. Label food options so everyone knows whats available.

Ask a friend to help set up. Aska close friend or family member to come over an hour or two early to help you set up the buffet and with any other last-minute touches. This will take some of the pressure off of you, and you can chat and enjoy yourself before your hosting duties begin.

Frozen foods should be thor-oughly wrapped. Only use freez-er-safe bags and containers to store prepared foods. Otherwise you may run the risk of freezer burn or freezing, affecting the taste of the final product. Keep in mind that many desserts, such as fruit pies, also can be frozen. Its possible to make ahead just about everything for a holiday feast and simply thaw and reheat when the big day arrives.

Create a good side dish ratio.Buffets should include a variety of side dishes. Select one or two main dishes and then vary the rest of the selection with rice, pasta, vegetables, or other favorite side dishes.

Keep take-away containerson hand. Youre bound to make more food than you need, so send guests off with their own goodie bags to lighten the load on your leftovers. Encourage guests to fill up a container and take some food home with them.

Lock pets away. An open,unattended buffet can seem like paradise to a hungry cat or dog. Its not sanitary or particularly ap-pealing for guests to catch a pet taking advantage of buffet fare. Keep pets in a bedroom or outside when the meal is being served.

Buffets are a fine choice for big groups because they provide vari-ety and the chance to mingle.

How To Make Your Holiday Party Unique

Entertaining season is in full swing, and many peoples social calendars are filled with parties, dinners and family gatherings. For those serving as host or hostess, setting your event apart from others can be challenging but not impossible. Explore these ideas to breathe new life into holiday parties.

Choose a creative date. Theweeks between Thanksgiving and New Years Day tend to be the busiest of the holiday season, so think about hosting your event outside of this four-week span. A pre-Thanksgiving party or something in mid-January may be more amenable to busy guests. Parties that fall outside of the usual time period may be a welcome change for guests who are simply stretched too thin during the heart of the holiday season.

Choose an unusual partytime. Cocktail parties are the norm come the holiday season, so switch things up for your soire. Host a brunch or lun-cheon, which figures to be less expensive than cocktail or din-ner parties.

Invite children to the event.

For a departure from the moretypical adults-only holiday par-ties, include children in thefestivities this year. Seeing themagic of the holidays throughthe eyes of children can add lifeto your party, and it can saveyou and your guests the cost ofchildcare.

Create a photo montage.Collect images of your guestsfrom the last year and createa slide show. Guests will likelyenjoy reliving the previous 12months and look forward tomaking some memories in theyear to come.

Throw a party you wouldlove to attend. Instead of think-ing of ways to make your partythe best or the most unique forguests, figure out your likes andwhat makes you comfortable.If you are relaxed and enjoyingyourself, theres a good chancethat demeanor will rub off onyour guests.

The holiday season is litteredwith parties, many of which aredifficult to distinguish fromone another. But party hostscan take several steps to settheir shindigs apart from otherholiday gatherings.

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Russian Denver N48/781