Gunning Daily News

Keys to Peace: Teaching Your Kids Integrity and Social Responsibility

April 17, 2012 5:10 pm

Parents and educators are always trying to spark student participation whether it’s in the classroom, in the local community, or throughout the world. 

When middle-school students at Allison Academy in North Miami Beach were asked what they could do to improve their country, they focused on what they understood – bullying, violence and racism.
Those problems are all rooted in the same issues, says Rachel Albert, author of “Quest to Telos,” (, a young adult novel where fantasy meets reality and even world peace is possible. 

“They stem from a lack of personal integrity and absence of social responsibility,” she says.

“Children who choose to put those values into practice are actively working toward peace. But they can only put into practice what they’ve learned; instilling those values may seem simple, but many parents miss the mark and actually model the opposite.” 

Throwing money at social problems like racism or violence doesn’t resolve them, Albert says. But children can. 

“The energy from kids’ excitement can make a real difference and we need their energy focused right here at home,” says the mother of four. “They see problems; it’s up to us to give them the tools to address them.” 

The following tips can help parents teach their children personal integrity and social responsibility, giving them the keys to world peace. 

• Never lie in front of your kids. It may seem obvious, but many parents lie in front of their children or encourage them to lie; misstating a child’s age to save money on movie tickets or allowing them to take credit for school projects completed by the parent. These seemingly inconsequential lies suggest it’s alright, even good, to distort the truth. This causes long-term damage a million times more costly than whatever was gained in the short term. 

• Give your kids a reason why. Author Mark Twain once said that the two most important days of your life are the day you are born and the day you figure out why. If you fail to tell your kids why we are here, you have missed the opportunity to figure out what motivates them and gets them excited. This is the most important key to getting kids’ cooperation and empowering them to help the world. 

• Don’t criticize your children. Criticism is toxic, so why do almost all parents criticize their kids? When we focus on what they aren’t, they believe they can’t. This creates angry children who express their pain by bullying others. It’s better to tell them how you feel rather than what you think of them, e.g., “I feel frustrated that you didn’t listen to me,” or “Can you say that in a more loving way?” 

• Don’t speak badly about other people. This is probably one of the hardest things to do, considering we’re a generation that pays for gossip. Speaking badly about others teaches kids to look for what they view as the negative in others and take joy in sharing it. 

• Model charity. Actions speak louder than any words. When you teach kindness to children, they tend to feel empathy and have more successful lives, a crucial step toward achieving world peace. 

Once we tackle the issues plaguing America, then as a model nation, we will be ready to tackle world peace, Albert says. Kids are hungry to form an identity and make their mark on the world. It’s easier to try to bring peace to another country, but that never works. We need to start at home. 

Rachel Albert is a certified court reporter and business owner. “Quest to Telos” is her debut novel; it’s being used by a private school to develop an inspirational, critical-thinking curriculum for middle-school students ready by the summer.

Take a Bite Out of Sleepless Nights with 10 Bedtime Snacks

April 17, 2012 5:10 pm

Most of us have an idea about which foods we should avoid right before bedtime. From sugary snacks to caffeine-laden drinks, making the wrong choices can leave you tossing and turning all night long. But what many people don't know is that there are healthy snacks that may help you take a bite out of sleepless nights, so you can get a better night's rest and seize your day. 

"What we put into our bodies prior to going to bed can really affect the level of sleep we get every night," says Ben Thorud, Senior Vice President of Ashley Sleep. "If you've tried everything and you're still experiencing sleeplessness, it may be time to explore other possibilities, including your diet." 

Experts have believed for a long time that eating foods that are high in complex carbohydrates, with a little bit of protein—about an hour or two before bedtime—may boost your serotonin levels and help you relax. In addition, foods high in calcium and tryptophan, like some dairy products, may help to produce melatonin, which can also help regulate sleep. 

So which foods will give you that sleep-boosting power you crave? Check out the following list.
1. Turkey. Ever wonder why you feel so sleepy after those big holiday meals? Turkey may be the culprit. It's high in tryptophan, which can make you feel drowsy. While turkey may be the best-known food in the battle of sleepless nights, almost any type of poultry will do the job. 

2. Milk/Dairy. Warm milk has been a bedtime tradition for centuries -- and now we know why. It not only contains tryptophan (as do yogurt and cheese), it is rich in calcium, which experts believe may help reduce stress. 

3. Bananas. These self-contained sleep inducers are loaded with tryptophan, melatonin and serotonin, not to mention magnesium, which may actually help relax your muscles. 

4. Cherries. In terms of sleep-friendly foods, these guys are the new kids on the block. But recent studies have shown that a glass of tart cherry juice or a serving of fresh, frozen or dried cherries may boost your melatonin levels and reduce insomnia. 

5. Chamomile Tea. This drink has long been touted for its relaxing qualities. One small cup of decaffeinated chamomile tea before bedtime contains theanine, which may have relaxing and tranquillizing properties that can help you put an end to sleepless nights.
6. Hummus. Forget the fake cheese dip. A couple of all-natural pita chips dipped in hummus makes for a snack that's a great mix of carbs and protein. 

7. Almonds. A handful of these crunchy treats is loaded with tryptophan and magnesium, making it a quick and easy snack to enjoy before bedtime. 

8. Warm Oatmeal. Rich in sleep-promoting nutrients, this popular breakfast food may also be a great nighttime snack. Just don't choose the kind loaded with sugar. Top it with bananas, walnuts or cherries and you have a sleep-inducing powerhouse. 

9. Peanut Butter Sandwich. Peanut butter is high in tryptophan, but many brands add sugar. Choose a natural peanut butter (with no added sugar) and spread it on a piece of whole-grain bread or a half a bagel. 

10. Hard-boiled Egg. If you've already loaded up on high-sugar, high-carb snacks for dinner, consider eating an egg or other food that's high in protein. It can help counterbalance the negative effects that those simple carbs may have on your sleep. 

Source: Ashley Sleep

Flexible Spending: Stretch Your Tax Refund Dollars

April 17, 2012 5:10 pm

If you get a tax refund, what will you do with it? This year, one in two Americans receiving a tax refund (50 percent) say they plan to spend the extra money on bills or other household expenses, as opposed to vacations (15 percent), leisure activities (8 percent) or gifts (4 percent), according to a recent poll from Cricket Communications. 

The survey also noted that more than three-quarters (78 percent) of Americans receiving their refund will be "smarter" about how they spend it, with more than half (55 percent) pledging they are more likely to use refund dollars on practical "needs" instead of "wants." 

To give you tips on stretching tax refund dollars, Cricket has partnered with certified financial planner and savings expert Robert Pagliarini, author of "The Other 8 Hours," and "The Six-Day Financial Makeover." 

• Set up an emergency fund - Stocking away six to twelve months of expenses can really help if you find your home equity line of credit has been reduced -- or you face unexpected medical fees arise.
• Open a 529 college savings plan - According to the National Center for Education Statistics, the cost of a college education continues to rise every year. Between 1999-2000 and 2009-10, prices for undergraduate tuition, room, and board at public institutions rose 37 percent, and prices at private institutions rose 25 percent, after adjustment for inflation. Planning early and setting aside money for college now is the most important thing you can do for your children's collegiate success.
• Seek out classes to boost budgeting skills - Taking a refresher course at a community college or neighborhood center can help boost financial planning skills that you currently have or help you learn a new one.
• Research the best deals on monthly expenses - There are expenses you will incur each month, such as food, transportation and cell phone costs, which are easy to re-evaluate and cut -- as long as you do the right research. For example, choosing a pre-paid wireless provider such as Cricket will help you save hundreds of dollars each year, without sacrificing all of the fun apps, games and music that your family enjoys. Cricket has the latest devices with a no-contract plan that includes unlimited talk, text and data for less than half what you'd end up paying at a larger wireless provider. 


Question of the Day

April 17, 2012 5:10 pm

Q: What are the benefits of having a co-op?
A: In addition to being able to take advantage of tax deductions, the National Association of Housing Cooperatives (NAHC) says shareholders will find that co-ops have low turnover rates, lower real estate tax assessments, reduced maintenance costs, resident participation and control, and the ability to prevent absentee and investor ownership.

Also attractive: housing cooperatives come in all shapes, sizes, and types. They include townhouses, mid-and high-rise apartments, garden apartments, single-family homes, mobile home parks, artists’ cooperatives, and senior housing. 

For more information about co-ops contact NAHC at (202) 737-0797, or log on to

When Retirement Meets Divorce: Dissecting the QDRO

April 16, 2012 5:54 pm

What is a QDRO? To those of us unversed in the common acronyms of divorce law, this means Qualified Domestic Relations Order. However, notes Find Law writer Andrew Chow, if you have a retirement account, and you're facing a divorce, you may quickly become quite familiar with this acronym.
Chow breaks down the basics of a QDRO, below:

A QDRO is a court order that allows an alternate payee— a spouse, an ex-spouse, a child, or some other dependent— to collect money from a retirement account. This may be needed for spousal or child support, for example. In some states, a retirement account may also be considered community property that must be divided upon divorce. 

Because QDROs can be complicated, it's probably wise to consult an attorney experienced in dealing with them. But here is some basic information about QDROs: 

What Qualifies as a QDRO?
In general, a QDRO is a court-issued judgment, order, or decree that formally approves a property-settlement agreement that involves a retirement plan. A QDRO must contain the following information:
• The name and last known mailing address of the participant, and each alternate payee;
• The name of each plan to which the order applies;
• The amount or percentage, or method for calculating the amount or percentage, to be paid to the alternate payee;
• The number of payments, or time period, covered by the QDRO. 

How Does a QDRO Work?
A QDRO generally describes how retirement assets will be divided between the retirement plan's participant and his alternate payees. A QDRO is required for any retirement plan covered by ERISA, the Employee Retirement Income Security Act. 

The plan's administrator must approve the QDRO, provided it meets certain requirements. QDRO transfers from a retirement account do not incur an early-withdrawal penalty. 

How Do QDROs Get Drafted?
Plan administrators may provide QDRO forms that participants can fill out on their own. But because there are a number of legal requirements for what a QDRO must contain, it's probably best to speak with an attorney about drafting a QDRO that meets your specific needs. 


Word of the Day

April 16, 2012 5:54 pm

Deed. Written document that when executed and delivered conveys title to real property.

Question of the Day

April 16, 2012 5:54 pm

Q: What should elderly homeowners consider when deciding to remodel? 

A: According to the AARP, older homeowners prefer to age in place, meaning they want to live in their homes safely, independently and comfortably, despite age or ability level. To do so, many require a few modifications in the home to enhance maneuverability, including the installation of a private elevator and the addition of a bathroom and bedroom to the main level. A Certified Aging-in-Place Specialist (CAPS) may prove helpful. CAPS professionals are remodelers, general contractors, designers, architects, and health care consultants who are trained in the unique needs of the elderly, Aging-in-place home modifications, common remodeling projects, and solutions to common barriers. The National Association of Home Builders (NAHB), together with the NAHB Research Center, NAHB Seniors Housing Council, and AARP, developed the CAPS program to address the growing number of consumers who will soon require modifications to their homes.

Color Trends 2012: Soothing Palettes, Subtleties in Focus

April 16, 2012 5:24 pm

I recently looked over the earthy and Easter egg varieties of new colors that designers and DIY-ers will be slapping on this season. From chili pepper oranges and yellows to cool grays or blues, there's plenty to soothe or stimulate. 

Don't just say blue. sample deep cobalt blue or blue green shades of peacock and turquoise. Even neutrals are spicier this year, with khaki and gold standing in for black and white. 

Gray is popular, as are the nearly neutrals, like lilac tones. These purples are so subtle that they look gray, with reds so deep they look brown. 

Pantone’s Chicago unveiling of the Spring/Summer 2012 Color Trends Report revealed nine palettes for 2012: Nonchalance, Subtleties, Resilience, Indigo Effects, and Transcending Time, Back to the Fuchsia, Reflections, Nouveau Neon and The Comics. 

Anyone looking to paint on the cutting edge of the latest color schemes can match their mood to any of the appropriate Pantone offerings: 

Nonchalance – These are easy to read and enjoy, according to Pantone. The reassuring colors coax a feeling of tranquility and relaxation with no suggestion of anxiety in the surroundings. The comforting pastel pinks, ethereal blues and soft egret white wrap us in carefree baby blanket colors, harmoniously blending with the more mature taupe, gray and grape tones. 

Resilience – This represents a group of sturdy hues that work very well together. It speaks of hand-hewn objects of substance, sustenance and solidity in a range of natural, outdoor shades. There are nuances of the deepest browns, varietal mushroom tones, foliage green and greenish yellow. A dash of flamingo orange adds an exotic touch to this otherwise organic grouping. 

Indigo Effects – These shades evoke a mood of broad expansiveness and depth – enveloping and protective, yet mysterious. The colors are variations on a blue theme – celestial and majestic blues, purpled and deep blue indigos – all deftly brushed with contrasting strokes of maroon, mauve and moody gray. 

Metallics – These are taking the lead in a season in which modern materials are key. Transparent plastics and highly polished surfaces like lacquer and polished metals are everywhere, but you’ll see them in combination with vintage looks. 

Happy painting!

Painting Tops Spring Home Improvement Wish Lists

April 16, 2012 5:24 pm

Spring brings many new beginnings, especially around the home, as people look to freshen up their living spaces this season. 

In fact, seven out of 10 homeowners are planning home improvement projects, with nearly half (49 percent) citing painting as the most-desired need, followed by landscaping at 47 percent and remodeling a room at 29 percent, according to the 2012 Spring Home Improvement Survey conducted by the National Association of the Remodeling Industry (NARI) and Sherwin-Williams. 

"We know people are looking for more cost-effective ways to enhance their space," says Paul Zuch, certified remodeler and NARI chairman. "Some of the most impactful transformations for a room are economical projects like painting, resurfacing cabinets or changing kitchen or bathroom hardware. But it is important for consumers to use quality materials to make it worth the investment. While it's tempting to go easy on the wallet, spending a little more on quality products saves money in the long run." 

"Painting can add energy and liven up any home—whether it is revamping the bedroom, giving new life to an old piece of furniture or staining the deck," says Jackie Jordan, director of color marketing, Sherwin-Williams. 

The Spring Home Improvement Survey also showed that seven out of 10 homeowners believe a room or area of their home is currently in need of painting. The top vote for a new coat of paint goes to bedrooms and bathrooms (both at 29 percent), and living or family rooms are next in line (28 percent). 


Tree Troubles: Whose Yard Is It, Anyway?

April 16, 2012 5:24 pm

When a tree is planted between property lines, disputes may arise, and an otherwise neighborly relationship may be strained. Or perhaps a tree fell, and now no one knows who should cover the cost. From dangerous tree removal to the just plain annoying tree debris landing in the yard, there are ways to work out tree problems and maintain good neighborly relations. 

Most shared tree problems fall into three main categories:

1. Hazardous Tree Removal: The neighbor's tree is dead, split or leaning. The homeowner next door wants the tree removed before it falls in the yard and perhaps hits the house or other property.

2. Property Damage: The neighbor’s tree has fallen and damaged property. Payment for tree removal service and damage repair is required.

3. Poor Maintenance: The tree is growing over the next door neighbor's roof. Debris keeps falling in the yard, pool or patio. The tree needs professional maintenance to resolve the problem. 

“Don't touch a neighbor's tree,” advises Lou Giroud, ISA Certified Arborist and President, Giroud Tree and Lawn. “By law provided there is no trespassing, a homeowner has the right to take care of the portion of the tree on their property. However, to avoid conflict and potential legal issues, get the neighbor’s permission before taking any action.” 

Here's how to proceed. “Start with an evaluation by an ISA Certified Arborist,” suggests Mr. Giroud. "Ask the Arborist to assess the situation and provide a recommendation in writing. Share the professional evaluation with your neighbor, especially if the tree is deemed a hazard and removal by a tree removal service is required. 

The next step is to reach out to the neighbor. “In working with thousands of tree issues between neighbors,” explains Mr. Giroud, “I’ve found that the best results are gained through friendly communication.” 

1. If the neighbor is approachable, call or visit. Schedule a time to talk about the tree problem. Calmly present the issue and share the recommendation from the tree service company. If the neighbor can’t pay for the work, offer to pay for it or share in the cost.

2. If the neighbor is never home, write a friendly letter explaining the concern and attach the Arborist’s recommendation. 

3. If the neighbor doesn’t respond, send a certified letter. As a last resort, hire an attorney specializing in tree law. 

Disputes with a neighbor can cause a lot of stress. An ISA Certified Arborist can evaluate the situation and help make the job of negotiating with a neighbor a little easier.

Source: Giroud Tree and Lawn,