CreativeLiving

BODY BYZERONAOur clients are easilylosing inches

INSIDE ...MAKE SMARTPROMISES TOYOURSELFIf your resolutions thisyear address moneymatters, here’s how toimprove your chances ofsuccess, Page 2

FUNERALPREPLANNINGConversations are gifts tothose you love, Page 6

BODY BY ZERONATake off what diet andexercise won’t, Page 12

Kentucky » February 2012

An Advertising-Sponsored Magazine Published by The Community Press/Recorder

This issue of Creative Living will get you tothink about rearranging the priorities on yourto-do list.

Or to act spontaneously.Do it! Pick up the phone and make that doctor’s

appointment. Book a session at a beauty or cos-metic salon. Talk to your tween or teen about man-aging finances. Preplan your funeral.

Yes, funeral preplanning is a loving gesture toyour survivors at a time fullof emotion and stress. Anddo you know that prefund-ing a funeral locks in to-day’s burial costs for overallservices?

For now, be jovial andcelebrate the leap year, anextra day to visit CreativeLiving advertisers.

I hopeyou areenjoyingwinter.

Editor’s note

Specialty publications editor

Because community matters.

ContactCreative Living is a monthly advertising-sponsoredmagazine published by Enquirer Media’s Specialty

Publications Department.

Send questions or comments to:Jo Kovach

Specialty Publications EditorEnquirer Media, 312 Elm Street, Cincinnati, OH 45202

Phone: 513-768-8367

To advertise call:Debbie Maggard

Territory Sales ManagerEnquirer Media

Phone: 513-768-8534

CreativeLiving3 Health & Finess

Better Sleep • Cosmetic

4 At HomeFinances • Technology

5 Dental CareSedation dentistry • Gum care

7 Local Business/NewBusinessLegal services • Oil olives •Nail care • Swimming pools

Topics

If your resolutionsthis year address moneymatters like savings,spending and credit use,you can improve yourchances of success bymaking “SMART” prom-ises to yourself. In self-improvement circles,“SMART” is an acronymfor specific, measurable,attainable, realistic andtimely.

» Specific – Start outby thinking about yourdreams. Do you want toget out of debt? Build anemergency fund? Startor increase retirementor education savings?Decide what your priori-ty is and then hone in ona specific aspect of that

priority. For example, ifyour ultimate goal is toget out of debt, resolveto completely pay offone credit card by mid-year. Want to boost yoursavings? Resolve to setup an automatic banktransfer from yourchecking account toyour savings accountevery month.

» Measurable – Makesure your resolutionaddresses how you willmeasure your progressand results. For exam-ple, if your resolution isto understand your cred-it and finances in 2012, awebsite like CreditRe-port.com, that allowsyou to keep tabs on your

changing credit status,can help you measureyour progress. Cred-itReport.com offers itsmembers tools to helpmanage and understandcredit.

» Attainable – A reso-lution or goal should bejust a hair beyond yourcomfort level. That way,it’s just enough to chal-lenge you without leav-ing you frustrated anddisappointed. Applyingthis concept to yourfinancial resolutionscould mean that insteadof resolving to eliminateall debt in 2012, you re-solve to pay off one or

SHUTTERSTOCK

The SMART way to makefinancial New Year’s resolutions

See SMART, Page 12

3nky.com C R E A T I V E L I V I N GKentucky February 16, 2012

H E A L T H & F I T N E S S

March 5-11 is Na-tional Sleep AwarenessWeek, an annual publicawareness and educa-tion program to pro-mote the importance ofsleep. Many factorscan affect your sleep,but at Cincinnati Den-tal Sleep Medicine, Dr.Kitzmiller and histeam focus primarilyon the treatment ofsnoring and sleep ap-nea. While snoring canbe annoying, it is oftena symptom of a life-threatening conditioncalled obstructivesleep apnea, where theairway collapses dur-ing sleep and causesthe person to stopbreathing and awakenmultiple times perhour with a gasp. Un-treated, sleep apneacan lead to excessivefatigue, high bloodpressure, heart dis-ease, diabetes, andeven death.

During Sleep Aware-ness Week, Dr. Kitzmil-ler will be hosting freepublic awareness openhouses at various loca-tions throughout Cin-cinnati to help educatethe public about theimportance of qualitysleep. Dr. Kitzmiller,his team and repre-sentatives from localsleep labs will be onhand to provide freescreening and informa-tion on diagnosis andtreatment options forsnoring and sleep ap-nea, including CPAP,Oral Appliance Thera-py, and surgery.

A sleep apnea suf-ferer, Dr. Kitzmillerhas been treating him-

self as well as hun-dreds of others withOral Appliance Thera-py. An Oral Applianceis an FDA-approvedCPAP alternative thatfits over your teethand holds the lowerjaw forward, keepingyour airway from col-lapsing while yousleep.

Want to learn more?Stop by one of the fol-lowing open houses. Orcall Dr. Kitzmiller to-day at 513-248-8848 toset up your compli-mentary in-office con-sultation.

Sleep better duringNational SleepAwareness Week

Dr. Kitzmiller wants to raise awareness and help otherswho, like himself, suffer from snoring and sleep apnea.PROVIDED

WANT MOREINFO?

Visit cincisleep.com

FREE SLEEPAWARENESSOPEN HOUSES

March 6, AndersonHealthPlex (513-624-1871)4-6 p.m.

March 7, West ChesterLibrary (513-777-3131) 1-5p.m.

March 8, Milford Holi-day Inn Express (513-831-7829) 3-7 p.m.

Call to inquire aboutadditional locations.

Think yoursnoring isjust a painto her?

Snoring can often be a symptomofObstructive Sleep Apnea, a sometimeslife-threatening sleep disorder thatnegatively impacts the health and

quality of life ofmillionsof Americans.

Symptoms include:Snoring •Daytime Fatigue •Morning Headaches •Depression

Restless Sleep •High Blood Pressure • Lack of Concentration

Sleeping in Separate Rooms

Cincinnati Dental SleepMedicineDr. Kitzmiller and his team have been uniquely trainedin state of the art dental sleepmedicine to effectively

treat Sleep Apnea with Oral Appliance Therapy.Visit www.cincisleep.com for more information and

take a quiz to see if you or someone you knowmay have Obstructive Sleep Apnea and benefit

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4 C R E A T I V E L I V I N G nky.com February 16, 2012 Kentucky

A T H O M E

Succeeding in collegeis about more than beingsmart. It’s about howstudents manage time,themselves and theirstudies, according to Dr.Bob Neuman, formerdean of academic devel-opment at MarquetteUniversity.

“For all the talk aboutenormous college debt,parents of younger stu-dents need to know somebasic facts,” Neumansays. “The sooner par-ents understand them,the sooner families cantake steps at home toprepare for college andminimize their debt. It’sa process that shouldbegin early, certainly infreshman year of highschool, even in middleschool.”

High school habitsintensify in college

Neuman speaks fromlong experience. Formore than 25 years, heworked one-on-one withthousands of students,many struggling despiteexcellent high schoolgrades.

“Student problemsstem from not being ableto manage themselvesand their studies. Plustheir lack of organizationdefeats them daily in avariety of ways,” hesays. “The result? Takinglonger to graduate anddriving up family debt.”

Fact: Nearly 70 per-cent of college studentstake longer than fouryears to complete a four-year degree, increasingthe cost of college by 25percent or more – whiletuition and fees risedramatically. Fact: Near-ly 40 percent of studentsstill haven’t graduatedafter six years. To sparefamilies such sizabledebt, students mustgraduate on time. Par-ents can help.

From the first day of

high school, parentsshould make clear thathigh school is a crucialstepping-stone to col-lege. What high schoolstudents learn or do notlearn decides collegesuccess. And high schoolhabits, good and bad,intensify in college. Par-ents should use the highschool years to helpteens develop good studyand self-managementhabits.

Success requiresmore than beingsmart

Families expect highschool graduates withexcellent grades to sailthrough college. As thedismal graduation num-bers reveal, college iscurrently beyond the“study know-how andpersonal capabilities” ofmost students.

That’s why Neumancontends success re-quires more than beingsmart. He paints a quickpicture of what happenswhen time skills arelacking:

» College provideslots of unstructured timefor independent study.Students can’t manage it.They waste time and fallprey to distractions.Study time disappears.

» Professors tell stu-dents what to study out-side of class. But stu-dents are clueless aboutwhat’s entailed to “ac-quire and process” newinformation. It’s farmore than simply read-ing a chapter. Plus,learning takes time.Students can’t fit studyin.

» Students quicklyfall behind in classes, sothey cram for tests.Cramming fails; there’s

too much to know.Lack of time manage-

ment leads to droppedcourses, changed ma-jors, extra years, andmore complicated prob-lems. Plus, time manage-ment is only one of manykey reasons students failto graduate on time anddrive up debt. Neumansays, “Students don’tknow they have seriousproblems. Even if theydid, they wouldn’t knowhow to ‘fix’ them on theirown.”

What parents can doto help

Neuman says parentsshould talk often withteens and preteens tohelp them understandthat students are facingserious problems in col-lege. Then get commit-ted at home to developgood daily habits.

To aid the effort, Neu-

man has written a book,“Are You Really ReadyFor College? A CollegeDean’s 12 Secrets forSuccess.” It’s a guide forparents and teens topractice winning strate-gies in middle and highschool. The book is avail-able only online at Ama-zon, other online book-sellers, and at www.Get-CollegeSmart.com.

To get started, Neu-man suggests a few waysto build time manage-ment skills:

1. Does your teenstudy every subject ev-ery day, whether or notthere’s “assigned home-work”? Set the tone inyour house: There’s al-ways something to study,review, or preview. Youand your teen shouldwork out a quiet studytime for each day. Stickto it and create a habit.

2. Are teens over-scheduled? Does studyget squeezed out?Pushed to the end of theday when teens aretired? Together, rein inactivities and map outtime for study, sports,lessons, etc, in a dailycalendar.

3. Electronic/cyberdistractions suck upenormous amounts oftime. Together, set rea-sonable limits. Agree tono digital distractionsduring study times.

Knowing that majorproblems exist in collegeis a starting point. Par-ents should intervene,guiding their middle andhigh school students tomake good daily deci-sions, acquire self-man-agement habits, anddevelop solid study strat-egies. Some teens’ studytechniques haven’t ma-tured since sixth grade.They literally won’tmake the grade in col-lege – and the stakes arehigh.

– ARAContent

Help teens early to head off college debt

Lack of time management leads to dropped courses, changed majors and extra years incollege, which drives up debt. ARACONTENT PHOTO

5nky.com C R E A T I V E L I V I N GKentucky February 16, 2012

D E N T A L C A R E

Are you afraid of thedentist?

Does the thought ofgoing to the dentist makeyou physically ill?

You are not alone.Such real fears can

keep you postponing thatdreaded visit until youfind yourself with excru-ciating pain or a swollenjaw.

If this sounds like you,IV sedation may be theanswer you have beenlooking for.

Put your mind at rest.Dr. Dallmann and hercapable staff at GentleDental Care will makeyour dental visit as pain-less and comfortable aspossible. You’ll feel wel-come, regardless of howlong it’s been since you’veseen a dentist. Helpingfearful patients just like

you is what they do best.Consider the stories of

three women who had putoff visits for so long theywere embarrassed tocome in. Thanks to Gen-tle Dental Care’s sedationoptions, they’re glad theycalled Dr Dallmann.

Susan calls herself a

“dental-phobe.” She’d hadbad dental experiences asa child, and a geneticconnective-tissue dis-order, which compoundedher problem since shecouldn’t tolerate certainsedations. Susan abso-lutely thought sedationwould not work for her. “I

needed a lot of dentalwork, but the staff wasgreat,” said Susan.“They’re willing to workwith you and what youneed. I was there all day.They gave me the rightmusic and a warm neckpillow.”

With sedation den-

tistry, the patient is un-aware of time passing,similar to sleeping allnight but, in the morning,seems like only minutes.Patients wake with littleor no discomfort andlittle memory of the visit.

Sedation helped anoth-er patient, Beverly, whoalso held a longtime fearof dentists. “I needed myteeth cleaned, I had prob-lems with my gums and afilling that needed re-placed,” said Beverly. “Itold them they’d betterget as much done as pos-sible because I might notbe coming back.” Shecalled the Gentle Dentalstaff’s treatment “unbe-lievable.” Beverly said,“It seemed like I was outfor only 10 minutes al-

Snooze your way to good dental health

Because they specialize in treating dental anxiety, it is common for the staff at GentleDental Care to see patients who haven’t been to the dentist in many years. PROVIDED

See GENTLE, Page 6

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F U N E R A L P R E P L A N N I N G

ones, such as funeral andfinancial arrangements,creation of advance caredocuments – your livingwill and your powers ofattorney - or simply statingwhere your advance careplanning documents willbe stored. Long-term plan-ning will mean periodicreview of your documentsto ensure that friends,family members and evenphysicians are updated asnecessary and that wisheshave remained constant asnew technologies are cre-ated and laws change.

This end-of-life plan-ning process doesn’t hap-pen overnight. It takesthought, emotional readi-ness and time to sort outthe options and readyoneself for this seriousundertaking. Sharing yourchoices through conversa-tion is an important firststep. In the long run, theconversations will be thegreatest gift to those youlove, giving them the confi-dence to act knowingly onyour behalf and the com-fort of knowing that yourwishes will be honored.

– ARAContent

one of life’s most difficultmoments - at a time whenyou are thinking clearly.There are a few points toconsider as you begin thisprocess:

1. Have a plan as to howyou will share your wishes.Will you have things writ-ten down? With whom willyou be talking?

2. Create an environ-ment that is conducive tolistening. It is usually help-ful to sit down with yourloved ones and try to be atthe same eye level.

3. Share the informationin small segments. Avoidapologizing for the in-formation you are sharing.These are your wishes forone of life’s most impor-tant moments.

4. Allow time for yourloved ones to process in-formation and respond.This is one of the mostimportant things you cando. They may have ques-tions or feelings to sharewith you, but may needtime to process your de-sires.

Next steps may includeresearching resources tohelp support your loved

Ashley, a vibrant, active37-year-old lawyer, motherof three young childrenand part-time Pilates in-structor has a to-do listlonger than her combinedclient case load. When shelearned that her next-doorneighbor, a mother of fourchildren who pal aroundwith her kids, had terminalcancer, her mind went inmany directions.

How could she help?What should she say? Howwill the children respond?How was her friend han-dling this crisis? But onethought intruded regularlyinto her daily routine – ifthis happened to her, howwould she and her family

handle the impending endto her life? She was clue-less on how to approachthe subject, but day by day,as she realized the fragilityof life, she became moreconvinced that a conversa-tion was critical regardingher wishes and her hus-band’s.

This is both an ordinaryand an unusual scenario.Ordinary because fewpeople younger than 40have thoughts of planningfor dying. Unusual be-cause Ashley didn’t dis-miss her concerns. Rather,she wanted to tackle theissue and get to-do itemsdone.

Hospice of the Western

Reserve recognizes thecourage it takes to ap-proach one’s end of life. Asone of the country’s best-known hospice and pallia-tive care providers, theagency offers this kind ofadvice for all ages in abooklet called “Courage inConversation: A PersonalGuide.”

The guide tackles notonly the care you want inthe event that you are nolonger able to speak orthink for yourself, but alsohow to begin the discus-sion - as early in youradulthood as possible. Bytalking about what youwant, you are exhibitingthe courage to confront

Planning for the inevitable: Startyoung and be prepared

though it was a lot long-er.”

Beverly’s experiencewas so good that she nowcomes into the officeonce a year to get sedatedfor her cleaning, check-up, X-rays and any addi-tional work she mayneed.

Another patient, Kelly,from Newport, said: “Iwant to thank Dr. Dall-mann and the staff ofGentle Dental Care forthe excellent service,

care and comfort that youprovided. I highly recom-mend your office for anydental needs and willdefinitely be returningmyself.”

If you are afraid of thedentist, are embarrassedbecause it’s been yearssince you’ve seen a den-tist, or just want to haveyour treatment complet-ed in one or two visits,sedation dentistry is foryou.

For a free consulta-tion, call Dr Tara Dall-mann at 859-363-1616.Visit www. SedationSpa-Dentist.com to learnmore about Dr. Dallmann.

GentleContinued from Page 5

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L O C A L B U S I N E S S

When couples endtheir marriage, theyoften believe the di-vorce decree is the finaloutcome.

Nevertheless, theremay be more to do. Onearea of confusion is theeffect divorce has onyour relationship withyour debt repayment. Ifyour ex-spouse wascourt-ordered to payjoint debt, are youaware of your obliga-tions?

Ideally, accountswere closed and debtstransferred to thespouse ordered to pay. Ifthis didn’t happen, hereare some suggestions.

Acknowledge you arenot divorced from debtyou owe. Card issuersand banks expect you tohonor your paymentagreement. They stillconsider the account ajoint account. Don’tassume debt is beingpaid by your formerspouse because of thedecree.

What should you do?First, order your creditreport to check the sta-tus of the debts. If notpaid, take action toavoid bad consequences.If you can discuss theissue civilly, contactyour ex-partner. Doesyour ex intend to pay? Ifso, when? If you can’tdiscuss this in person,do it in writing or com-municate through anattorney, without delay.

If there is no dis-cussion, or the debt isfar behind and no pay-ments are in sight, takecourt action. Protectyour credit. Contact thebank. Bad credit affectsmany things, includingyour future interestrates. Take action toprotect your futurefinancial health.

Unfortunately, youmay have to make thepayments and try tocollect repayment fromyour former spouse incourt. Are you preparedto do so, if necessary?

For more informa-tion, call The JaegerFirm PLLC at 859-342-4500 for an honest, accu-rate and cost-effectiveassessment of your situ-ation.

The end of wedding bells?No divorce from debt

One area of confusion is the effect divorce has on bothparties’ relationship with debt repayment. The JaegerFirm can help you take action to protect your finances.PROVIDED

With February beingNational Heart HealthMonth, it is important tounderstand the mouth-body connection betweenyour oral health and youroverall health, specifi-cally your heart health.

Though the reasonsare not fully understood,it is clear that gum dis-ease and heart diseaseoften go hand in hand. Upto 91 percent of patientswith heart disease haveperiodontitis (inflamma-tion and infection of theligaments and bones thatsupport the teeth), com-pared to 66 percent ofpeople with no heart dis-ease. The two conditionshave several risk factorsin common, such as

smoking, unhealthy dietand excess weight. Somesuspect that periodontitishas a direct role in rais-ing the risk for heartdisease as well. Bacteriafound in both gum andheart diseases are simi-lar. And inflammation is acommon denominator forboth diseases: inflamma-tion of the gums andhardening of the arteriesis actually an inflamma-tory process.

To maintain the bestoral health, you shouldestablish and maintain ahealthy mouth. Thismeans, along with annualmedical evaluations,brushing and flossingdaily and visiting yourdentist regularly.

Gum, heart diseaseoften go hand in hand

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8 C R E A T I V E L I V I N G nky.com February 16, 2012 Kentucky

L O C A L B U S I N E S S | N E W B U S I N E S S

You may already knowthat the Flying Olive isthe only store in the areathat sells 21 varieties ofextra virgin olive oil and13 different flavoredbalsamic vinegars. Butdid you know that oliveoil provides more healthbenefits than other oils?

Owner Wade Halseyisn’t a medical doctor,but he has read manystudies that tout thehealth benefits of oliveoil. “Some studies sug-gest that olive oil is oneof the healthiest sub-stitutes for fat in anyrecipe,” said Halsey. “It’sthe most easily absorbedand contains no choles-terol. In fact, regular usemay actually reducecholesterol levels.”

At Flying Olive, oils

and vinegar are stored inlarge, stainless-steeltanks. Shoppers can

taste-test from the tanksof their choice, and whenthey find something they

like, Halsey bottles it forthem in a 200 or 375 mLbottle.

Prices range from$15.25 to $16.25 for most375 mL bottles, but a fewspecialty oils, such aswhite truffle oil, costmore. “We’ll be bringingout a buttery oil and agourmet walnut oil justin time for spring,” saidHalsey.

For more about thehealth benefits of oliveoil (as well as recipesand other information),visit www.oliveoiltimes-.com.

Flying Olive is at 2220Grandview Drive in theplaza with GrandviewTavern. Hours are 11 a.m.to 6 p.m. weekdays; 10a.m. to 5 p.m. Saturdays;closed Sundays. Call859-360-7090 for moreinformation or visitwww.flyingolive.com.

Olive oil offers healthy alternative to other fats

Wade Halsey, owner of Flying Olive, pours a sample of olive oil for a customer. PROVIDED

Haynes, who, along withher mother, Pat Welsh,owns Burlington PikeThrift Store. It might alsobe the newest – it openedits doors on Jan. 3 of thisyear. According toHaynes, the idea is assimple as it is different:she buys items from peo-

If you are looking for aunique and money-savingway to shop, you needonly go as far as Florenceto have an experiencelike no other.

“I can’t say for sure,but my store might be theonly one of its kind in thearea,” said Marya

ple and then resells them.“It’s not consignment andit’s not an auction,” saidHaynes. “It’s a brand-newconcept.”

She started the storeby asking all her Face-book friends to clean outtheir closets, and todayoffers a wide selection ofhousehold items, cloth-ing, small appliances,small furniture and homedécor items. “I’ve gotseven rooms with a littlebit of everything ,” saidHaynes. Haynes isbranching out into newservices, including in-home pickup. “Give me acall and I’ll come out andappraise your items rightin your basement or ga-rage.” And she hopes tolaunch a website soon.

Open Monday throughSaturday 10 a.m. to 6 p.m.and Sunday noon to 5 p.m.Call 859-534-0775.

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A T H O M E | L O C A L B U S I N E S S

For those seekingthe newest look andeasiest care in nail col-ors, a stop at The NailStudio in CrescentSprings is sure to meetboth needs.

According to owner,Dina Deller, a NorthernKentucky native and10-year technician: “Wehave started the newyear off right for ourcustomers. In additionto our CND Shellac, wenow offer the OPIbrand of gel colors inkeeping with ourpledge to continuallyprovide excellent cus-tomer service.”

Gel colors can beapplied to natural nails,toes and enhancements.The main benefit of gelpolishes is that theylast up to 14 days andare completely drywhen you leave thestudio. This allows cus-tomers to drive, shopand do other thingswithout the worry ofchipping or smearing.According to Deller,the gel polishes arealso “much easier toremove than traditionalgels.”

Although The NailStudio is less than ayear old, it has quicklydeveloped a loyal fol-lowing of satisfied cus-tomers. You too canjoin the list of happyclients by visiting us at566 Buttermilk Shoppesnext to the BonefishGrill and the Cork ’n’Bottle, or call 859-344-8900 to schedule yourappointment today.Check us out on Face-book at www.Face-book.com/thenailstudio.

The Nail Studio nowoffers the new OPIbrand of gel polishes

The Nail Studio in Crescent Springs offers the newest lookand easiest care in nail colors. PHOTO BY TONYA BOGATTI

Life is full of un-certainty and change,and it’s possible, evenlikely, that you will beresponsible for yourown finances at somepoint. For many, thefinancial impact ofsignificant life changes,from the good, likemarriage and children,to the not-so-good, likedeath and divorce, isoften a costly after-thought. While divorceand death are difficultpossibilities to acceptor anticipate, they arechanges that come withmany financial implica-tions. This holds espe-cially true for womenwho typically outlivetheir male counter-parts. According to theNational Association ofState Treasurers Foun-dation, 90 percent ofwomen will be solelyresponsible for theirfinances at some pointin their lives.

However, despite thelikelihood of eventuallyliving this new finan-cial reality, less thanhalf of women (45 per-cent) and men (41 per-cent) have a contingen-cy plan in place shouldsomething happen,according to researchby TD Ameritrade, Inc.

“It’s not always theeasiest conversation todiscuss with your part-ner because it forcesyou to think aboutworst-case scenarios,”says Lee McAdoo, di-rector of Women’s Ini-tiatives at TD Ame-ritrade. “But you’ll findthat discussing yourfamily finances andsetting goals togethercan also give you peaceof mind.”

Life transitions areoften times unexpectedand highly emotional,

which can make deci-sion making more diffi-cult. For those reasons,it’s best to plan ahead.

Here are 10 sugges-tions to help you makesure you can effective-ly handle your personaland family finances:

1. Create a detailedhousehold budget.

2. Compile all yourfinancial documents,make copies and storethem with your attor-ney or place them in asafe deposit box thatyou both can access.

3. Conduct an inven-tory of marital assets.

4. Determine med-ical expenses and otherannual costs for yourfamily such as activ-ities fees for your chil-dren and gym member-ships.

5. Review all yourdebt, including mort-gages, student loans,car loans and creditcards. Obtain a currentversion of your creditreport at least once ayear.

6. Make sure eachperson is aware of howyou file your tax re-turns and your tax fil-ing status.

7. Discuss long-termsavings plans and goals,including retirementand college savingsplans.

8. Review beneficia-ry designations in yourwill and update if nec-essary.

9. Consider employ-ee benefits for eachperson.

10. It can be helpfulto have an attorney orfinancial adviser re-view financial docu-ments and give youadvice should you de-sire it.

.– ARAContent

10 tips to manage yourmoney throughunexpected life changes

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10 C R E A T I V E L I V I N G nky.com February 16, 2012 Kentucky

N E W B U S I N E S S

Do you own an “OldKentucky Home”? Onewith little cabin floorsand old cabin doors? In aHistoric District? Ormaybe it’s not quite 50years old. In any case,there is always some-thing that needs to bedone.

If your honey-do listmakes you crazy, NKYRestoration has answersfor you. We have puttogether the tools, prod-ucts, know-how and solu-tions for your home. Bet-ter yet, we found a fewtricks to make it afford-

able. This isn’t your typ-ical home improvementshow.

Northern Kentucky’sriver cities developedwith their own soul andcharacter, and so didtheir homes. Their charmcomes from its diversearchitecture, the layoutof the streets, and theinter-connectedness ofthe neighborhoods tooutlying commercialzones. All of these neigh-borhoods went throughperiods of growth, expan-sion, decline and renewal.Your home is a part of

this history – and you area steward of smart, sus-tainable-appropriatecommunity preservation.

But where do youstart?

At a weekend of how-to classes, workshops andpanel discussions.

Friday, March 2, from6 to 9 p.m.

Kicks off NorthernKentucky’s first Restoreit Right fair, coincidingwith the popular “ShopBellevue/First Friday”along Fairfield Avenue.As you shop and dine, you

can take part in a scaven-ger hunt that will guideyou from store to store tolearn about top-of-the-lineproducts from nationaland local vendors, andrestoration tips fromsome of the area’s bestcraftsmen.

Saturday, March 3,from 9 a.m.-1p.m.

Attend free how-toclasses at Holy TrinitySchool, 235 Division St. inBellevue. Choose frommore than a dozen class-es. Lunch is on us. Localexperts and business

participants include:Terry Rasche, Bob Picco-la, John McEwan, BethJohnson and David Hunt,along with Ben Haggertyof Green Streets; ClayLamb of American Chim-ney; Chuck Pfaehler ofPeak HVAC; and ToniWinston of Tiburon Ener-gy and Construction. Inaddition, there will bepanel discussions, in-cluding financing withhistoric and energy taxcredits.

Registration suggestedat facebook.com/NKYR-estoration.

NKY old-home restoration event March 2-3

People don’t enter into marriagethinking it will fail, but unfortu-nately, many marriages do. If youfind yourself on the brink, StevenR. Jaeger of The Jaeger Firm,PLLC, offers suggestions to keep inmind.

1. If there is domestic violence,get out. Protect your safety andthat of your children. Don’t put upwith violence in any form. Obtainan order of protection or otherorders from the court. Do the bestyou can in a bad situation. Takecare of yourself. Get safe, thenproceed.

2. Where the situation is intoler-able, but not marked by violence,you need to plan. Then you need toplan some more. You may not knowhow the process works. It’s not agood idea to rely on what happenedin someone else’s situation. Everycase is different. You need to beguided by a person trained andexperienced in dealing with domes-tic situations. Get legal help. Thefinal outcome will likely be affect-ed by what happens early in theprocess.

3. Gather your detailed financialinformation. Make a list of your

financial accounts and your debts.Don’t forget the account numbers.Locate and copy your last fiveyears of tax returns. You may wantto videotape your hard assets –furniture and the like.

These are things you shouldn’tdo while you plan:

1. Never try to hide your incomeor assets. You will be required tofile some sworn statements withthe court. If you don’t tell the truthunder oath in these written docu-ments and you get caught (whichyou will), you’ve not only placedyourself in a bad position with thejudge forever , you’ve also commit-ted a crime. It’s not worth the risk.

2. Don’t count on immediatefinancial support from yourspouse. Eventually, you may get itby agreement or through a courtorder, but it might be a long timecoming. Watch your money. Make abudget.

There are many other importantissues to consider. Consult a profes-sional, and look before you leap.

This month’s Creative Living Tip of theMonth contributor is Steven R. Jaeger, ofThe Jaeger Firm, PPLC, in Erlanger, Ky.

Tip of the MonthIssues are abundant when a marriage is failing

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Friday, March 2, 6pm-9pmMeet renovation contractors& product respresentatives

during our Friday Night Lightsevent that coincides with

Shop Bellevue!

Saturday, March 3, 9am-1pmChoose from over a dozen educational

programs, expert panels and hands-on workshops.Admission is free and lunch will be provided.

Reservations thru RSVP Services are recommended.

859.353.0209 ext. 800info@nkyrestoration.com

www.facebook.com/NKY.Restoratiomwww.nkyrestoration.com

Come be a part ofNorthern Kentucky’s

first everRestoration Weekend!

NKY Restoration Productsand Services

Shop

Bellevue

11nky.com C R E A T I V E L I V I N GKentucky February 16, 2012

A T H O M E | L O C A L B U S I N E S S

We’re not completelyout of the woods yet whenit comes to winter weath-er, but now is the time tostart thinking about get-ting a new pool or reno-vating your existing one.

“If you want to installa new pool or need reno-vation work done, now’sthe time to schedule it oryou may not get into yourpool by June,” said SamIonna, owner of S.I. PoolCare.

S.I. Pool Care featuresfiberglass pools by BlueHawaiian. They’re avail-able in various colors, arestronger and more flex-ible than other types ofliners, and come with a35-year warranty.

According to Ionna,the advantages of fiber-

glass over vinyl liner andgunite pools are clear.“Compared to vinyl, thereare no liners to replace,no tears or holes in liners,no fading, no floating ofliners with ground water,and liners have a 12- to15-year warranty, withonly the first 2 or 3 yearscovered at full warranty,”he said.

Ionna adds, “The onlyadvantage a gunite poolhas over fiberglass is thatyou can make the poollarger. Cost, strength,flexibility and warrantyare all on the side of afiberglass pool.”

If you already have apool that needs somework, S.I. Pool Care hasyou covered there, too.Renovation services they

offer include installing anew liner, pump or filteror adding a heater or saltgenerator. You can alsoresurface your gunitepool with fiberglass andget a 25-year warranty,opposed to the one-yearwarranty you’d get if youmake plaster repairs, atabout the same cost. Fi-nally, think about replac-ing, refurbishing or ex-panding that concretepool deck for the days ofsummer entertainingahead.

S.I. Pool Care is at 3145Dixie Highway in Erlang-er. They’re open 9 a.m. to8 p.m. Monday throughFriday and 9 a.m. to 5p.m. Saturday. Call 859-331-4110. Or visitwww.sipoolcare.com.

Thinking summer? It’stime to call S.I. Pool Care

Technology is wonder-ful – when it is simpleand works.

Anyone who’s everhad to run both a PC anda Mac, in order to beable to use the applica-tions they need to un-derstand that the tech-nology we depend on tomake our lives easiercan sometimes compli-cate things.

Fortunately, there areplenty of ways – somelow-tech, others leading-edge – to simplify yourtech life.

» More than half of ususe both a Mac and PC,either at home or work,according to a recentsurvey by Lab42. If giv-en their choice, 53 per-cent of us would preferto use a Mac that alsoruns Windows PC appli-cations without reboot-

ing for work, the surveyrevealed. Getting Win-dows applications towork on a Mac used to bea complicated, tech-nically arduous process.Many users got aroundthe issue by running aPC and Mac side by side.

Today, products likeParallels Desktop 7 forMac simplify the task.The software enablesusers to run Windowsand Mac applicationsside by side on theirMacs without rebooting,thereby eliminating the

need for two computers.Parallels will even moveyour entire PC onto yourMac so you can keepyour software invest-ments and enjoy every-thing you need on onecomputer. A free trial ofParallels Desktop forMac is available fordownload at www.paral-lels.com/desktop.

» For many of us,functioning without oursmartphones and mobileapps would be impos-sible. Apps that streamup-to-date news andweather information can

be handy, but the rockstars of today’s apps areones that make our com-munications, shoppingand financial transac-tions even easier. Youcan download apps thatlet you block unwantedcalls, connect to Face-book and Twitter, shop atAmazon, and access yourbank or brokerage toview balances, depositchecks or trade stocks.

» Sure you wouldn’tdream of traveling with-out your laptop, but isn’tThere are plenty of ways – some low-tech, others

leading-edge – to simplify your tech life. ARACONTENT PHOTO

See TECH LIFE, Page 12

Yes, you can simplify your tech life

S.I. POOL CARE

859-331-4110859-331-4110 KY513-394-6260513-394-6260 OH

Showroom3145 Dixie Highway • Erlanger, KY 41018

www.sipoolcare.com

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12 C R E A T I V E L I V I N G nky.com February 16, 2012 Kentucky

H E A L T H & F I T N E S S

going the knife.”The Zerona takes off

in a few weeks what nor-mally takes months tosweat off at the gym orboot camp. The Zeronadoes it with no surgery,no shots, no drugs, nostarving, no strenuousexercise and no recoverytime. Body by Zerona hasperformed well over5,000 procedures, and 98percent of clients arehappy with the resultsand would recommendthe program to theirfamily and friends.Whether you want to slimdown fast for springbreak or get a runningstart on your new sum-mer body, now is the timeand this is your remindercall. WOW everyone atthe summer BBQs, re-unions and parties. Thisis your year!

“I’m so glad that I didthis for myself! I wasfeeling so defeated that Icouldn’t lose the weight.The Zerona really hasbeen a miracle for me.They were professionaland encouraging. Theirprograms are personal-ized and they really caredabout me. They are doingsomething really spe-cial.” – M.A. Campbell

In addition to the Zero-na, Body by Zerona of-

Yes, it’s coming. Bath-ing suit season. Are youready?

Spring break is justover a month away. Whatnow? Visit Body by Zero-na at 618 Buttermilk Pikein Crescent Springs, Ky.,and your worries will beover.

Soon you’ll be shed-ding the baggy sweaters,sweatshirts and coats

that you’ve been hidingunder all winter. In justweeks, you can emergelooking wonderful – evenin a bathing suit – with aspecialized programfrom Body by Zerona.They offer the much-talked-about nonsurgicalZerona LipoLaser thatDr. Oz has called “themiracle procedure tofight fat without under-

fers Spa-PhotoFacials,HydroMassages, individ-ualized personal trainingsessions and permanent

makeup application. Call859-212-0577 or visitwww.BodyByZerona-Cincinnati.com.

You ready? Bathing suit season = Zerona season

The latest in safe and nonsurgical LipoLaser is at Body byZerona. PROVIDED

it great to know if youdon’t want to carry acomputer that you actu-ally don’t have to in or-der to use it?

It’s no longer neces-sary to tote around aMac or PC to capture allyour communicationsand any changes youneed to make to filesthat normally live onyour desktop at home orwork.

Remote access soft-ware allows you to con-nect to and work off ofyour Mac or PC at homeor work as if you wereactually there using it.For example, ParallelsMobile for iPad andiPhone lets you remotelyaccess and run all ofyour Mac and Windowsfiles and applications onyour Macs when you’reon the go.

» Most of us havemultiple email accounts,from ones we use onlyfor work to personalaccounts associated with

the various social mediawe use.

Managing multipleemail accounts can beeasy if you use a desktopemail client such asMicrosoft Outlook orMozilla Thunderbirdwhich can do the taskfor you.

You’ll need to remem-ber your email address-es and passwords justonce – when you enterthem into the tool. Afterthat, you’ll be able toeasily check all youremail accounts from.

– ARAContent

Tech lifeContinued from Page 11

two specific debts. Or,perhaps you simply re-solve not to accrue anynew debt in the comingyear.

» Realistic –If you resolve to limit

unnecessary spending bybudgeting a set amount of“mad money” to use asyou wish every month,you’ve made a realisticdecision about how toreduce spending.

» Timely – Keep yourresolution timely by es-tablishing a time framefor success. For example,if you resolve to takecontrol of your credit in2012, be specific abouthow much progress youcan reasonably expect tomake by midyear. ComeJune, reassess your re-sults to see if you’vemade the progress youhoped for. If you haven’t,think of what you’ll needto do to get back on trackto achieving your goal inthe last half of the year.

– ARAContent

SmartContinued from Page 2

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