JULY 2010

THE W3 LIFESTYLEM I N I Z I N E

TASTY RECIPES INSIDE

TOP TEN BEACHES

VACATIONTIPS

How to Make Your 2010 Vacation the Best

BA

LMO

RA

L VILLA

GE

2 W3 LIFESTYLE - BALMORAL VILLAGE - CALENDAR

SWEET amp STYLISH PARTYCOMING SOON - DATE TBA

JAZZ UNDER THE STARSCOMING SOON - DATE TBA

WELLNESS amp SPA EXPOCOMING SOON - DATE TBA

DIVE IN MOVIE NIGHTCOMING SOON - DATE TBA

POOL SPLASH BASHCOMING SOON - DATE TBA

Health amp Wellness ExpoCOMING SOON

Pool Splash Bash COMING SOON

Dive-In Movie COMING SOON

Jazz Under the Stars COMING SOON

Casino Night COMING SOON

Holiday Party COMING SOON

WELLNESS amp SPA EXPOCOMING SOON - DATE TBA

Letter from the Manager

As a W3 Lifestyle designated community our residents receive special discounts and incentives at various retailers and service providers all over Atlanta Periodically we email these specials out to our residents as well as list them on our Community Facebook page Some specials are time sensitive so the best way for us to communicate them to you is directly via email Please make sure we have your current email address on record at the Leasing Office to make sure you do not miss out on these great opportunities We will also email you every month when your Community Minizine is published online for your viewing pleasure

We have been designated as the Best of The Best in apartment communities by committing to defined criteria with W3 Lifestyle Along with this designation come many resident benefits and services We hope to see you at our next Community Event so that we can show you how much we appreciate our residentshellipand most importantly ndash how much we appreciate YOU

See something in your Community Minizine that you think would interest a friend or family member Feel free to forward it to anyone you know and share some of the valuable article information and event dates After all not everyone is as lucky as you are to live in a W3 Lifestyle designated community ndash make them jealous and show what your community does for YOU

BALMORAL VILLAGE

Community Manager

Assistant Community Manager

Maintenance Manager

Mainteance Technicians

Phone

Email

Newsletter Advertising Inquiries

Marci Alt

404-377-4297marcicarmaproductionscom

Have a Review You Would Like to Share

Share with us your experience with a Movie Restaurant Night Club or anything else you think your neighbors could benefit from

Email Your Review to revieww3lifestylecom

Once your review is emailed it becomes property of W3 Lifestyle

LLC and may be published

COMMUNITY INFO - W3 LIFESTYLE 3

W3 FAN PAGE

2 W3 LIFESTYLE - BALMORAL VILLAGE - CALENDAR

SWEET amp STYLISH PARTYCOMING SOON - DATE TBA

JAZZ UNDER THE STARSCOMING SOON - DATE TBA

WELLNESS amp SPA EXPOCOMING SOON - DATE TBA

DIVE IN MOVIE NIGHTCOMING SOON - DATE TBA

POOL SPLASH BASHCOMING SOON - DATE TBA

Health amp Wellness ExpoCOMING SOON

Pool Splash Bash COMING SOON

Dive-In Movie COMING SOON

Jazz Under the Stars COMING SOON

Casino Night COMING SOON

Holiday Party COMING SOON

WELLNESS amp SPA EXPOCOMING SOON - DATE TBA

Letter from the Manager

As a W3 Lifestyle designated community our residents receive special discounts and incentives at various retailers and service providers all over Atlanta Periodically we email these specials out to our residents as well as list them on our Community Facebook page Some specials are time sensitive so the best way for us to communicate them to you is directly via email Please make sure we have your current email address on record at the Leasing Office to make sure you do not miss out on these great opportunities We will also email you every month when your Community Minizine is published online for your viewing pleasure

We have been designated as the Best of The Best in apartment communities by committing to defined criteria with W3 Lifestyle Along with this designation come many resident benefits and services We hope to see you at our next Community Event so that we can show you how much we appreciate our residentshellipand most importantly ndash how much we appreciate YOU

See something in your Community Minizine that you think would interest a friend or family member Feel free to forward it to anyone you know and share some of the valuable article information and event dates After all not everyone is as lucky as you are to live in a W3 Lifestyle designated community ndash make them jealous and show what your community does for YOU

BALMORAL VILLAGE

Community Manager

Assistant Community Manager

Maintenance Manager

Mainteance Technicians

Phone

Email

Newsletter Advertising Inquiries

Marci Alt

404-377-4297marcicarmaproductionscom

Have a Review You Would Like to Share

Share with us your experience with a Movie Restaurant Night Club or anything else you think your neighbors could benefit from

Email Your Review to revieww3lifestylecom

Once your review is emailed it becomes property of W3 Lifestyle

LLC and may be published

COMMUNITY INFO - W3 LIFESTYLE 3

W3 FAN PAGE

Letter from the Manager

As a W3 Lifestyle designated community our residents receive special discounts and incentives at various retailers and service providers all over Atlanta Periodically we email these specials out to our residents as well as list them on our Community Facebook page Some specials are time sensitive so the best way for us to communicate them to you is directly via email Please make sure we have your current email address on record at the Leasing Office to make sure you do not miss out on these great opportunities We will also email you every month when your Community Minizine is published online for your viewing pleasure

We have been designated as the Best of The Best in apartment communities by committing to defined criteria with W3 Lifestyle Along with this designation come many resident benefits and services We hope to see you at our next Community Event so that we can show you how much we appreciate our residentshellipand most importantly ndash how much we appreciate YOU

See something in your Community Minizine that you think would interest a friend or family member Feel free to forward it to anyone you know and share some of the valuable article information and event dates After all not everyone is as lucky as you are to live in a W3 Lifestyle designated community ndash make them jealous and show what your community does for YOU

BALMORAL VILLAGE

Community Manager

Assistant Community Manager

Maintenance Manager

Mainteance Technicians

Phone

Email

Newsletter Advertising Inquiries

Marci Alt

404-377-4297marcicarmaproductionscom

Have a Review You Would Like to Share

Share with us your experience with a Movie Restaurant Night Club or anything else you think your neighbors could benefit from

Email Your Review to revieww3lifestylecom

Once your review is emailed it becomes property of W3 Lifestyle

LLC and may be published

COMMUNITY INFO - W3 LIFESTYLE 3

W3 FAN PAGE

Being part of a W3 LifestyLe means you are at the Best of the Best

and receiving the Best of the Best in communities i take pride in making each and every W3 LifestyLe monthLy minizne for each and every community i Want you to enjoy What you are reading as WeLL as find the Best of the Best in service around you much Like W3 offers

WhiLe Writing revieWs this month i thought to myseLf ldquoWouLdnrsquot it

Be great to hear from the peopLe from the communitiesrdquo and thatrsquos exactLy What i WouLd Like to do i WouLd aBsoLuteLy Love to hear aBout revieWs on movies restaurants and pLaces

this is a great oppurtunity for you to Let out a rave or a gripe as WeLL as get

to knoW one another in your community aLso i WeLcome photographs of your WonderfuL W3 LifestyLe approved community and going-ons around your toWn itrsquos a great Way to make your

m i n i z i n e even more personaL to your area this of course doesnrsquot mean i Wonrsquot stop revieWing it just means that you WiLL receive more With your monthLy minizine

if you have a restaurant revieW movie revieW pLaceshopping revieW recipe or

photograph you WouLd Like to share for your minizne just emaiL me at sBennettW3LifestyLecom

and thank you for Being With the Best of the Best

sincereLysierra Bennett

We Would Love to Hear from YOU

5 W3 LIFESTYLE - Letter from W3

it used to Be that When most peopLe taLked aBout their

retirement the expectation Was to have a three Legged stooL for deriving income When you actuaLLy retired the first Leg of the stooL Was reaLLy around the pension pLan you Worked for a company your entire Life some of your parents or grandparents Worked for 30 35 40 years for the same company and When they retired there Was the reWard of a pension for aLL of those years of hard Work pension onLy exist today LargeLy in joBs such as state LocaL federaL government or education very feW puBLic companies actuaLLy offer a fuLL fLedged pension pLan

the second Leg of the stooL WouLd Be sociaL security the Way that sociaL

security Was originaLLy Laid out Was to give you the opportunity to get that suppLementaL income in addition to your pension pLan to Be aBLe to enjoy your retirement the third Leg

of the stooL Was reaLLy around any additionaL personaL savings and investments in todayrsquos marketpLace With private companies rapidLy decLining their pension pLans peopLe

concerned aBout sociaL security it turns out that personaL savings and your investments are reaLLy the pogo stick of your retirement

one of the things We discuss With cLients is the thought process of considering

setting up your oWn type of pension pLan one Way to do this is through the use of cash vaLue Life insurance of course yoursquore going to need to consider your tax Bracket your time frame and your overaLL risk toLerances But even if you donrsquot have a physicaL need for Life insurance in terms of the traditionaL sense of death protection there may Be an opportunity to use Life insurance especiaLLy if you are a high Wage earner or Business

6 W3 LIFESTYLE - oXYgen FINANCIAL

Your Three Legged Stool Is Now A Pogo StickArthur Benz

Vice President oXYGen Financial Inc

President oXYGen Financial Insurance

oXYgen FINANCIAL - W3 LIFESTYLE 7

oWner to set up a suppLementaL pension pLan the thought process Behind this is reaLLy aBout putting in more cash than just the part that pays for the cost of insurance aLL of your cash vaLue WiLL groW on a tax deferred Basis as Laid out in section 7702 of the internaL revenue code once these assets BuiLd up someWhere doWn the road you may have the opportunity to puLL the money out on a tax free Basis Which WouLd Be under section 72a and 72e in the internaL revenue code one part of the WithdraWaL process is to puLL your Basis of your insurance contract out on a tax free Basis and one part is aBout physicaLLy taking a Loan from yourseLf from the cash vaLue in your insurance poLicy that you WouLd not pay tax on due to the fact it is a Loan this concept of a suppLementaL pension pLan using cash vaLue Life insurance shouLd Be an important consideration for high Wage earners

one Way or another the reaLity is that these poLicies can Be very compLicated

to understand there are Both good parts and Bad parts to the poLicies you may Want to consider this as part of your overaLL strategy in retirement one question you need to ask yourseLf is Which part of your investment portfoLio is reaLLy carved out to Be your ldquopension pLanrdquo When you actuaLLy

retire generation x and generation y peopLe donrsquot think Like this aBout their retirement When doing financiaL pLanning you shouLd consider With these poLicies that if you puLL out too much money and run out of cash vaLue you may create a consideraBLe taxaBLe event to yourseLf in addition if not managed correctLy By your insurance agent these

poLicies may end up Being more costLy than the Benefit you receive

so Where is your pension coming from

in retirement Without a pension yoursquoLL have to hop that pogo stick of personaL savings and investments to your retirement dreams

request a free financiaL consuLtation aBenzoxygenfinanciaLnet or (678) 551-7945

oxygen financiaL inc vice president amp oxygen financiaL insurance inc president arthur Benz is one of the foremost knoWLedgeaBLe professionaLs in giving financiaL advice to the x and y generation unLess sources are noted the information is the opinion of the author

With summer right around the corner peopLe are pLanning vacations

from tropicaL destinations to Big city visits airfare hoteLs entertainment and rentaL car costs reaLLy start to add up vacations donrsquot have to Be

as expensive as you think they do here are five great Ways to save money on everything from airfare to entertainment

1- thoroughLy research airfare costs fLights tend to Be cheaper midWeek than on Weekends mondays and fridays can Be the most expensive days to fLy When pLanning your trip get creative With the days of departure and return many WeBsites aLLoW you to seLect a range of dates to search for try this and yoursquoLL find that you can save upWards of $100 per ticket By fLying on days you may not have considered

another great Way to save money on airfare is By searching as many airLines as possiBLe at once httpWWWkayakcom searches the WeBsite of aLmost aLL of the airLines as WeLL as most of the WhoLesaLe WeBsites such as expedia and orBitz aLL at once you can see Who is cheapest

on Which dates and pLan accordingLy

finaLLy httpWWWfarecastcom uses historicaL airLine data to teLL you the Best time to Book your fLight prices change as the date approaches sometimes the price goes doWn sometimes

it skyrockets farecast uses past data to accurateLy predict Whether the fLight price you are seeing is the Best you can get if itrsquos not the WeBsite WiLL teLL you When you shouLd Book your fLight itrsquos a great money-saving tooL

2- use onLine WhoLesaLers onLy to research hoteL rates many peopLe think that the Best hoteL rates are found on onLine WhoLesaLer WeBsites such as expedia orBitz and traveLocity this is not true they are a great tooL for researching rates and avaiLaBiLity But 99 of the time the Best rates are found through the hoteL directLy if you find a rate onLine that is higher than the rate the hoteL itseLf offers you Let the hoteL knoW and ask if they can match or Beat the rate they aLmost aLWays WiLL they make more money When they Book you directLy and a 10 or 20

8 W3 LIFESTYLE - TRAVEL FINANCIAL

5 Ways to Save Money on Your Summer Vacation

By Jennifer Mason associatedcontentcom

ldquoThe best way to save is to do your

researchrdquo

TRAVEL FINANCIAL - W3 LIFESTYLE 9

doLLar discount is stiLL saving them significantLy versus the 25-35 the onLine WhoLesaLers charge a hoteL to Book the room

in addition to saving you money By Booking through the hoteL you have recourse if something goes Wrong during your stay the hoteL has no Way to issue you a refund if you Book through a WeBsite as you paid the WeBsite for your stay the hoteL in turn BiLLs the WeBsite most of the sites have cLauses in their terms of service aBsoLving them from any responsiBiLity and specificaLLy forBidding refunds you shouLd aLWays Book your room through the hoteL directLy

3- use nationaL parks as destinations rather than side trips you can camp fish cook hike sLeep and expLore in many of our nationaL parks for under $2000 per day some are even free the most BeautifuL Locations in the us are Within our nationaL parks they Were specificaLLy seLected for their BeautifuL vieWs activities and historicaL vaLue they are made for vacations But many famiLies donrsquot even consider them With over 390 areas in the nationaL park service and a park in every state except deLaWare you donrsquot even have far to go visit httpWWWnpsgov for information on aLL of the parks in the system incLuding costs and traveL information

4- get famiLiar With your credit card Benefits credit card companies are extremeLy competitive and have added many Benefits to their cardhoLderrsquos in order to attract and keep

Business if you have a card With airLine miLes or hoteL Benefits use them many peopLe donrsquot reaLize hoW fast those miLes add up and you may have more than you think use those points or miLes on your vacation you earned them

another thing some peopLe donrsquot consider is rentaL car Benefits a Large part of rentaL car cost is the insurance you Buy When you rent the car you may not need to Buy that at aLL check With your credit card company to see if your card incLudes insurance on rentaL car

costs many do many car insurance poLicies do as WeLL so if your card doesnrsquot you may aLready Be covered By your reguLar insurance if yoursquore covered you WiLL save haLf the cost of the rentaL usuaLLy that insurance is expensive

5- take advantage of the free things cities have to offer they are often Better than the expensive things for fine arts check LocaL universitiesrsquo summer scheduLes many performances By the fine arts departments are free stroLL the city and soak up the cuLture ask a LocaL Where they go When they Want to go out museums often have free admission days art gaLLeries are aLWays free and no one says you have to Buy anything check out the historicaL sites most are free or very inexpensive

you donrsquot have to Break the Bank on a vacation if you think creativeLy and do your research the internet is at your fingertips use it to your advantage and yoursquoLL save a Lot more than you expect have a great vacation

ldquoYou donrsquot have to break the bank on

a vacationrdquo

g

GetFit StayFit Club

Your Health is Your Wealth

Let This Be YOUR Year to Get HealthyArdyss Can Change YOUR Life

Benefits

Highest AntioxidantsIncreased weight loss

Help with Immune System

httpwwwgetfitstayfitclubcomnutritional

Contact Gwen Lamar Health amp Wellness Consultant For a Free Tasting Today

Cell 678 923 4869

Gift Prizes the Door

it used to Be that When most peopLe taLked aBout their

retirement the expectation Was to have a three Legged stooL for deriving income When you actuaLLy retired the first Leg of the stooL Was reaLLy around the pension pLan you Worked for a company your entire Life some of your parents or grandparents Worked for 30 35 40 years for the same company and When they retired there Was the reWard of a pension for aLL of those years of hard Work pension onLy exist today LargeLy in joBs such as state LocaL federaL government or education very feW puBLic companies actuaLLy offer a fuLL fLedged pension pLan

the second Leg of the stooL WouLd Be sociaL security the Way that sociaL

security Was originaLLy Laid out Was to give you the opportunity to get that suppLementaL income in addition to your pension pLan to Be aBLe to enjoy your retirement the third Leg

of the stooL Was reaLLy around any additionaL personaL savings and investments in todayrsquos marketpLace With private companies rapidLy decLining their pension pLans peopLe

concerned aBout sociaL security it turns out that personaL savings and your investments are reaLLy the pogo stick of your retirement

one of the things We discuss With cLients is the thought process of considering

setting up your oWn type of pension pLan one Way to do this is through the use of cash vaLue Life insurance of course yoursquore going to need to consider your tax Bracket your time frame and your overaLL risk toLerances But even if you donrsquot have a physicaL need for Life insurance in terms of the traditionaL sense of death protection there may Be an opportunity to use Life insurance especiaLLy if you are a high Wage earner or Business

6 W3 LIFESTYLE - oXYgen FINANCIAL

Your Three Legged Stool Is Now A Pogo StickArthur Benz

Vice President oXYGen Financial Inc

President oXYGen Financial Insurance

oXYgen FINANCIAL - W3 LIFESTYLE 7

oWner to set up a suppLementaL pension pLan the thought process Behind this is reaLLy aBout putting in more cash than just the part that pays for the cost of insurance aLL of your cash vaLue WiLL groW on a tax deferred Basis as Laid out in section 7702 of the internaL revenue code once these assets BuiLd up someWhere doWn the road you may have the opportunity to puLL the money out on a tax free Basis Which WouLd Be under section 72a and 72e in the internaL revenue code one part of the WithdraWaL process is to puLL your Basis of your insurance contract out on a tax free Basis and one part is aBout physicaLLy taking a Loan from yourseLf from the cash vaLue in your insurance poLicy that you WouLd not pay tax on due to the fact it is a Loan this concept of a suppLementaL pension pLan using cash vaLue Life insurance shouLd Be an important consideration for high Wage earners

one Way or another the reaLity is that these poLicies can Be very compLicated

to understand there are Both good parts and Bad parts to the poLicies you may Want to consider this as part of your overaLL strategy in retirement one question you need to ask yourseLf is Which part of your investment portfoLio is reaLLy carved out to Be your ldquopension pLanrdquo When you actuaLLy

retire generation x and generation y peopLe donrsquot think Like this aBout their retirement When doing financiaL pLanning you shouLd consider With these poLicies that if you puLL out too much money and run out of cash vaLue you may create a consideraBLe taxaBLe event to yourseLf in addition if not managed correctLy By your insurance agent these

poLicies may end up Being more costLy than the Benefit you receive

so Where is your pension coming from

in retirement Without a pension yoursquoLL have to hop that pogo stick of personaL savings and investments to your retirement dreams

request a free financiaL consuLtation aBenzoxygenfinanciaLnet or (678) 551-7945

oxygen financiaL inc vice president amp oxygen financiaL insurance inc president arthur Benz is one of the foremost knoWLedgeaBLe professionaLs in giving financiaL advice to the x and y generation unLess sources are noted the information is the opinion of the author

With summer right around the corner peopLe are pLanning vacations

from tropicaL destinations to Big city visits airfare hoteLs entertainment and rentaL car costs reaLLy start to add up vacations donrsquot have to Be

as expensive as you think they do here are five great Ways to save money on everything from airfare to entertainment

1- thoroughLy research airfare costs fLights tend to Be cheaper midWeek than on Weekends mondays and fridays can Be the most expensive days to fLy When pLanning your trip get creative With the days of departure and return many WeBsites aLLoW you to seLect a range of dates to search for try this and yoursquoLL find that you can save upWards of $100 per ticket By fLying on days you may not have considered

another great Way to save money on airfare is By searching as many airLines as possiBLe at once httpWWWkayakcom searches the WeBsite of aLmost aLL of the airLines as WeLL as most of the WhoLesaLe WeBsites such as expedia and orBitz aLL at once you can see Who is cheapest

on Which dates and pLan accordingLy

finaLLy httpWWWfarecastcom uses historicaL airLine data to teLL you the Best time to Book your fLight prices change as the date approaches sometimes the price goes doWn sometimes

it skyrockets farecast uses past data to accurateLy predict Whether the fLight price you are seeing is the Best you can get if itrsquos not the WeBsite WiLL teLL you When you shouLd Book your fLight itrsquos a great money-saving tooL

2- use onLine WhoLesaLers onLy to research hoteL rates many peopLe think that the Best hoteL rates are found on onLine WhoLesaLer WeBsites such as expedia orBitz and traveLocity this is not true they are a great tooL for researching rates and avaiLaBiLity But 99 of the time the Best rates are found through the hoteL directLy if you find a rate onLine that is higher than the rate the hoteL itseLf offers you Let the hoteL knoW and ask if they can match or Beat the rate they aLmost aLWays WiLL they make more money When they Book you directLy and a 10 or 20

8 W3 LIFESTYLE - TRAVEL FINANCIAL

5 Ways to Save Money on Your Summer Vacation

By Jennifer Mason associatedcontentcom

ldquoThe best way to save is to do your

researchrdquo

TRAVEL FINANCIAL - W3 LIFESTYLE 9

doLLar discount is stiLL saving them significantLy versus the 25-35 the onLine WhoLesaLers charge a hoteL to Book the room

in addition to saving you money By Booking through the hoteL you have recourse if something goes Wrong during your stay the hoteL has no Way to issue you a refund if you Book through a WeBsite as you paid the WeBsite for your stay the hoteL in turn BiLLs the WeBsite most of the sites have cLauses in their terms of service aBsoLving them from any responsiBiLity and specificaLLy forBidding refunds you shouLd aLWays Book your room through the hoteL directLy

3- use nationaL parks as destinations rather than side trips you can camp fish cook hike sLeep and expLore in many of our nationaL parks for under $2000 per day some are even free the most BeautifuL Locations in the us are Within our nationaL parks they Were specificaLLy seLected for their BeautifuL vieWs activities and historicaL vaLue they are made for vacations But many famiLies donrsquot even consider them With over 390 areas in the nationaL park service and a park in every state except deLaWare you donrsquot even have far to go visit httpWWWnpsgov for information on aLL of the parks in the system incLuding costs and traveL information

4- get famiLiar With your credit card Benefits credit card companies are extremeLy competitive and have added many Benefits to their cardhoLderrsquos in order to attract and keep

Business if you have a card With airLine miLes or hoteL Benefits use them many peopLe donrsquot reaLize hoW fast those miLes add up and you may have more than you think use those points or miLes on your vacation you earned them

another thing some peopLe donrsquot consider is rentaL car Benefits a Large part of rentaL car cost is the insurance you Buy When you rent the car you may not need to Buy that at aLL check With your credit card company to see if your card incLudes insurance on rentaL car

costs many do many car insurance poLicies do as WeLL so if your card doesnrsquot you may aLready Be covered By your reguLar insurance if yoursquore covered you WiLL save haLf the cost of the rentaL usuaLLy that insurance is expensive

5- take advantage of the free things cities have to offer they are often Better than the expensive things for fine arts check LocaL universitiesrsquo summer scheduLes many performances By the fine arts departments are free stroLL the city and soak up the cuLture ask a LocaL Where they go When they Want to go out museums often have free admission days art gaLLeries are aLWays free and no one says you have to Buy anything check out the historicaL sites most are free or very inexpensive

you donrsquot have to Break the Bank on a vacation if you think creativeLy and do your research the internet is at your fingertips use it to your advantage and yoursquoLL save a Lot more than you expect have a great vacation

ldquoYou donrsquot have to break the bank on

a vacationrdquo

g

GetFit StayFit Club

Your Health is Your Wealth

Let This Be YOUR Year to Get HealthyArdyss Can Change YOUR Life

Benefits

Highest AntioxidantsIncreased weight loss

Help with Immune System

httpwwwgetfitstayfitclubcomnutritional

Contact Gwen Lamar Health amp Wellness Consultant For a Free Tasting Today

Cell 678 923 4869

Gift Prizes the Door

oXYgen FINANCIAL - W3 LIFESTYLE 7

oWner to set up a suppLementaL pension pLan the thought process Behind this is reaLLy aBout putting in more cash than just the part that pays for the cost of insurance aLL of your cash vaLue WiLL groW on a tax deferred Basis as Laid out in section 7702 of the internaL revenue code once these assets BuiLd up someWhere doWn the road you may have the opportunity to puLL the money out on a tax free Basis Which WouLd Be under section 72a and 72e in the internaL revenue code one part of the WithdraWaL process is to puLL your Basis of your insurance contract out on a tax free Basis and one part is aBout physicaLLy taking a Loan from yourseLf from the cash vaLue in your insurance poLicy that you WouLd not pay tax on due to the fact it is a Loan this concept of a suppLementaL pension pLan using cash vaLue Life insurance shouLd Be an important consideration for high Wage earners

one Way or another the reaLity is that these poLicies can Be very compLicated

to understand there are Both good parts and Bad parts to the poLicies you may Want to consider this as part of your overaLL strategy in retirement one question you need to ask yourseLf is Which part of your investment portfoLio is reaLLy carved out to Be your ldquopension pLanrdquo When you actuaLLy

retire generation x and generation y peopLe donrsquot think Like this aBout their retirement When doing financiaL pLanning you shouLd consider With these poLicies that if you puLL out too much money and run out of cash vaLue you may create a consideraBLe taxaBLe event to yourseLf in addition if not managed correctLy By your insurance agent these

poLicies may end up Being more costLy than the Benefit you receive

so Where is your pension coming from

in retirement Without a pension yoursquoLL have to hop that pogo stick of personaL savings and investments to your retirement dreams

request a free financiaL consuLtation aBenzoxygenfinanciaLnet or (678) 551-7945

oxygen financiaL inc vice president amp oxygen financiaL insurance inc president arthur Benz is one of the foremost knoWLedgeaBLe professionaLs in giving financiaL advice to the x and y generation unLess sources are noted the information is the opinion of the author

With summer right around the corner peopLe are pLanning vacations

from tropicaL destinations to Big city visits airfare hoteLs entertainment and rentaL car costs reaLLy start to add up vacations donrsquot have to Be

as expensive as you think they do here are five great Ways to save money on everything from airfare to entertainment

1- thoroughLy research airfare costs fLights tend to Be cheaper midWeek than on Weekends mondays and fridays can Be the most expensive days to fLy When pLanning your trip get creative With the days of departure and return many WeBsites aLLoW you to seLect a range of dates to search for try this and yoursquoLL find that you can save upWards of $100 per ticket By fLying on days you may not have considered

another great Way to save money on airfare is By searching as many airLines as possiBLe at once httpWWWkayakcom searches the WeBsite of aLmost aLL of the airLines as WeLL as most of the WhoLesaLe WeBsites such as expedia and orBitz aLL at once you can see Who is cheapest

on Which dates and pLan accordingLy

finaLLy httpWWWfarecastcom uses historicaL airLine data to teLL you the Best time to Book your fLight prices change as the date approaches sometimes the price goes doWn sometimes

it skyrockets farecast uses past data to accurateLy predict Whether the fLight price you are seeing is the Best you can get if itrsquos not the WeBsite WiLL teLL you When you shouLd Book your fLight itrsquos a great money-saving tooL

2- use onLine WhoLesaLers onLy to research hoteL rates many peopLe think that the Best hoteL rates are found on onLine WhoLesaLer WeBsites such as expedia orBitz and traveLocity this is not true they are a great tooL for researching rates and avaiLaBiLity But 99 of the time the Best rates are found through the hoteL directLy if you find a rate onLine that is higher than the rate the hoteL itseLf offers you Let the hoteL knoW and ask if they can match or Beat the rate they aLmost aLWays WiLL they make more money When they Book you directLy and a 10 or 20

8 W3 LIFESTYLE - TRAVEL FINANCIAL

5 Ways to Save Money on Your Summer Vacation

By Jennifer Mason associatedcontentcom

ldquoThe best way to save is to do your

researchrdquo

TRAVEL FINANCIAL - W3 LIFESTYLE 9

doLLar discount is stiLL saving them significantLy versus the 25-35 the onLine WhoLesaLers charge a hoteL to Book the room

in addition to saving you money By Booking through the hoteL you have recourse if something goes Wrong during your stay the hoteL has no Way to issue you a refund if you Book through a WeBsite as you paid the WeBsite for your stay the hoteL in turn BiLLs the WeBsite most of the sites have cLauses in their terms of service aBsoLving them from any responsiBiLity and specificaLLy forBidding refunds you shouLd aLWays Book your room through the hoteL directLy

3- use nationaL parks as destinations rather than side trips you can camp fish cook hike sLeep and expLore in many of our nationaL parks for under $2000 per day some are even free the most BeautifuL Locations in the us are Within our nationaL parks they Were specificaLLy seLected for their BeautifuL vieWs activities and historicaL vaLue they are made for vacations But many famiLies donrsquot even consider them With over 390 areas in the nationaL park service and a park in every state except deLaWare you donrsquot even have far to go visit httpWWWnpsgov for information on aLL of the parks in the system incLuding costs and traveL information

4- get famiLiar With your credit card Benefits credit card companies are extremeLy competitive and have added many Benefits to their cardhoLderrsquos in order to attract and keep

Business if you have a card With airLine miLes or hoteL Benefits use them many peopLe donrsquot reaLize hoW fast those miLes add up and you may have more than you think use those points or miLes on your vacation you earned them

another thing some peopLe donrsquot consider is rentaL car Benefits a Large part of rentaL car cost is the insurance you Buy When you rent the car you may not need to Buy that at aLL check With your credit card company to see if your card incLudes insurance on rentaL car

costs many do many car insurance poLicies do as WeLL so if your card doesnrsquot you may aLready Be covered By your reguLar insurance if yoursquore covered you WiLL save haLf the cost of the rentaL usuaLLy that insurance is expensive

5- take advantage of the free things cities have to offer they are often Better than the expensive things for fine arts check LocaL universitiesrsquo summer scheduLes many performances By the fine arts departments are free stroLL the city and soak up the cuLture ask a LocaL Where they go When they Want to go out museums often have free admission days art gaLLeries are aLWays free and no one says you have to Buy anything check out the historicaL sites most are free or very inexpensive

you donrsquot have to Break the Bank on a vacation if you think creativeLy and do your research the internet is at your fingertips use it to your advantage and yoursquoLL save a Lot more than you expect have a great vacation

ldquoYou donrsquot have to break the bank on

a vacationrdquo

g

GetFit StayFit Club

Your Health is Your Wealth

Let This Be YOUR Year to Get HealthyArdyss Can Change YOUR Life

Benefits

Highest AntioxidantsIncreased weight loss

Help with Immune System

httpwwwgetfitstayfitclubcomnutritional

Contact Gwen Lamar Health amp Wellness Consultant For a Free Tasting Today

Cell 678 923 4869

Gift Prizes the Door

With summer right around the corner peopLe are pLanning vacations

from tropicaL destinations to Big city visits airfare hoteLs entertainment and rentaL car costs reaLLy start to add up vacations donrsquot have to Be

as expensive as you think they do here are five great Ways to save money on everything from airfare to entertainment

1- thoroughLy research airfare costs fLights tend to Be cheaper midWeek than on Weekends mondays and fridays can Be the most expensive days to fLy When pLanning your trip get creative With the days of departure and return many WeBsites aLLoW you to seLect a range of dates to search for try this and yoursquoLL find that you can save upWards of $100 per ticket By fLying on days you may not have considered

another great Way to save money on airfare is By searching as many airLines as possiBLe at once httpWWWkayakcom searches the WeBsite of aLmost aLL of the airLines as WeLL as most of the WhoLesaLe WeBsites such as expedia and orBitz aLL at once you can see Who is cheapest

on Which dates and pLan accordingLy

finaLLy httpWWWfarecastcom uses historicaL airLine data to teLL you the Best time to Book your fLight prices change as the date approaches sometimes the price goes doWn sometimes

it skyrockets farecast uses past data to accurateLy predict Whether the fLight price you are seeing is the Best you can get if itrsquos not the WeBsite WiLL teLL you When you shouLd Book your fLight itrsquos a great money-saving tooL

2- use onLine WhoLesaLers onLy to research hoteL rates many peopLe think that the Best hoteL rates are found on onLine WhoLesaLer WeBsites such as expedia orBitz and traveLocity this is not true they are a great tooL for researching rates and avaiLaBiLity But 99 of the time the Best rates are found through the hoteL directLy if you find a rate onLine that is higher than the rate the hoteL itseLf offers you Let the hoteL knoW and ask if they can match or Beat the rate they aLmost aLWays WiLL they make more money When they Book you directLy and a 10 or 20

8 W3 LIFESTYLE - TRAVEL FINANCIAL

5 Ways to Save Money on Your Summer Vacation

By Jennifer Mason associatedcontentcom

ldquoThe best way to save is to do your

researchrdquo

TRAVEL FINANCIAL - W3 LIFESTYLE 9

doLLar discount is stiLL saving them significantLy versus the 25-35 the onLine WhoLesaLers charge a hoteL to Book the room

in addition to saving you money By Booking through the hoteL you have recourse if something goes Wrong during your stay the hoteL has no Way to issue you a refund if you Book through a WeBsite as you paid the WeBsite for your stay the hoteL in turn BiLLs the WeBsite most of the sites have cLauses in their terms of service aBsoLving them from any responsiBiLity and specificaLLy forBidding refunds you shouLd aLWays Book your room through the hoteL directLy

3- use nationaL parks as destinations rather than side trips you can camp fish cook hike sLeep and expLore in many of our nationaL parks for under $2000 per day some are even free the most BeautifuL Locations in the us are Within our nationaL parks they Were specificaLLy seLected for their BeautifuL vieWs activities and historicaL vaLue they are made for vacations But many famiLies donrsquot even consider them With over 390 areas in the nationaL park service and a park in every state except deLaWare you donrsquot even have far to go visit httpWWWnpsgov for information on aLL of the parks in the system incLuding costs and traveL information

4- get famiLiar With your credit card Benefits credit card companies are extremeLy competitive and have added many Benefits to their cardhoLderrsquos in order to attract and keep

Business if you have a card With airLine miLes or hoteL Benefits use them many peopLe donrsquot reaLize hoW fast those miLes add up and you may have more than you think use those points or miLes on your vacation you earned them

another thing some peopLe donrsquot consider is rentaL car Benefits a Large part of rentaL car cost is the insurance you Buy When you rent the car you may not need to Buy that at aLL check With your credit card company to see if your card incLudes insurance on rentaL car

costs many do many car insurance poLicies do as WeLL so if your card doesnrsquot you may aLready Be covered By your reguLar insurance if yoursquore covered you WiLL save haLf the cost of the rentaL usuaLLy that insurance is expensive

5- take advantage of the free things cities have to offer they are often Better than the expensive things for fine arts check LocaL universitiesrsquo summer scheduLes many performances By the fine arts departments are free stroLL the city and soak up the cuLture ask a LocaL Where they go When they Want to go out museums often have free admission days art gaLLeries are aLWays free and no one says you have to Buy anything check out the historicaL sites most are free or very inexpensive

you donrsquot have to Break the Bank on a vacation if you think creativeLy and do your research the internet is at your fingertips use it to your advantage and yoursquoLL save a Lot more than you expect have a great vacation

ldquoYou donrsquot have to break the bank on

a vacationrdquo

g

GetFit StayFit Club

Your Health is Your Wealth

Let This Be YOUR Year to Get HealthyArdyss Can Change YOUR Life

Benefits

Highest AntioxidantsIncreased weight loss

Help with Immune System

httpwwwgetfitstayfitclubcomnutritional

Contact Gwen Lamar Health amp Wellness Consultant For a Free Tasting Today

Cell 678 923 4869

Gift Prizes the Door

TRAVEL FINANCIAL - W3 LIFESTYLE 9

doLLar discount is stiLL saving them significantLy versus the 25-35 the onLine WhoLesaLers charge a hoteL to Book the room

in addition to saving you money By Booking through the hoteL you have recourse if something goes Wrong during your stay the hoteL has no Way to issue you a refund if you Book through a WeBsite as you paid the WeBsite for your stay the hoteL in turn BiLLs the WeBsite most of the sites have cLauses in their terms of service aBsoLving them from any responsiBiLity and specificaLLy forBidding refunds you shouLd aLWays Book your room through the hoteL directLy

3- use nationaL parks as destinations rather than side trips you can camp fish cook hike sLeep and expLore in many of our nationaL parks for under $2000 per day some are even free the most BeautifuL Locations in the us are Within our nationaL parks they Were specificaLLy seLected for their BeautifuL vieWs activities and historicaL vaLue they are made for vacations But many famiLies donrsquot even consider them With over 390 areas in the nationaL park service and a park in every state except deLaWare you donrsquot even have far to go visit httpWWWnpsgov for information on aLL of the parks in the system incLuding costs and traveL information

4- get famiLiar With your credit card Benefits credit card companies are extremeLy competitive and have added many Benefits to their cardhoLderrsquos in order to attract and keep

Business if you have a card With airLine miLes or hoteL Benefits use them many peopLe donrsquot reaLize hoW fast those miLes add up and you may have more than you think use those points or miLes on your vacation you earned them

another thing some peopLe donrsquot consider is rentaL car Benefits a Large part of rentaL car cost is the insurance you Buy When you rent the car you may not need to Buy that at aLL check With your credit card company to see if your card incLudes insurance on rentaL car

costs many do many car insurance poLicies do as WeLL so if your card doesnrsquot you may aLready Be covered By your reguLar insurance if yoursquore covered you WiLL save haLf the cost of the rentaL usuaLLy that insurance is expensive

5- take advantage of the free things cities have to offer they are often Better than the expensive things for fine arts check LocaL universitiesrsquo summer scheduLes many performances By the fine arts departments are free stroLL the city and soak up the cuLture ask a LocaL Where they go When they Want to go out museums often have free admission days art gaLLeries are aLWays free and no one says you have to Buy anything check out the historicaL sites most are free or very inexpensive

you donrsquot have to Break the Bank on a vacation if you think creativeLy and do your research the internet is at your fingertips use it to your advantage and yoursquoLL save a Lot more than you expect have a great vacation

ldquoYou donrsquot have to break the bank on

a vacationrdquo

g

GetFit StayFit Club

Your Health is Your Wealth

Let This Be YOUR Year to Get HealthyArdyss Can Change YOUR Life

Benefits

Highest AntioxidantsIncreased weight loss

Help with Immune System

httpwwwgetfitstayfitclubcomnutritional

Contact Gwen Lamar Health amp Wellness Consultant For a Free Tasting Today

Cell 678 923 4869

Gift Prizes the Door

g

GetFit StayFit Club

Your Health is Your Wealth

Let This Be YOUR Year to Get HealthyArdyss Can Change YOUR Life

Benefits

Highest AntioxidantsIncreased weight loss

Help with Immune System

httpwwwgetfitstayfitclubcomnutritional

Contact Gwen Lamar Health amp Wellness Consultant For a Free Tasting Today

Cell 678 923 4869

Gift Prizes the Door

p90x is one of neWest Workout systems that has come out in the

past feW years When i think of Workout videos i think of jane fonda and other eighties favorites this is not that p90x is very modern and cooL With the trainer tony horton and his partners Wearing actuaLLy neW Workout cLothes the WhoLe series is very streamLined and has great graphics to go aLong With the system needLess to say p90x is promoted WeLL and right to the neW generation of peopLe Wanting to Lose Weight

When p90x came in i got a package of 11 dvds for each Workout a Workout

scheduLe and diet pLan i must say the first Workout i did Was out of order Beacause i Waiting to start the scheduLe tiL it Was aBLe to go aLong With my scheduLe i did pLyometrics Which proBaBLy Wasnrsquot the Best one to start With Because i Was LiteraLLy sore for the rest of the Weekend it kicked my Butt and i feLt every inch of muscLe pain

it Was nice to have a set scheduLe to go By and the p90x scheduLe kept me in Line things

started getting Busier in my Life and i started

skipping Workouts i must say i Worked out for aLmost 2 months and saW no resuLts from the scaLe other peopLe noticed that i Looked sLimmer and i noticed my cLothes fitting Better this Was aLL in the Beginning of apriL

it is noW juLy and i am starting aLL over again Which is usuaLLy hard But the p90x

system makes it easy to get Back on With the diet pLan and Workout pLan i just hope i see resuLt sooner this time

from revieWs onLine p90x has Been successfuL Wth a Lot of peopLe there are a

Lot of groups of p90x users to foLLoW and see their resuLts

overaLL p90x is a great Workout and is a LifestyLe change not just a diet and

Workout pLan it is something i knoW irsquom Looking forWard to seeing resuLts from

Round Two with p90x

By Sierra Bennett

Wellness - W3 LIFESTYLE 11

Soup Salads and Breadsticks Oh MyBy Sierra Bennett

oLive garden is truLy a famiLy favorite

restaurant for most Who doesnrsquot Love thier deLicious saLads and Breadsticks But seriousLy oLive garden is one of the feW restaurants my friends famiLy and i agree on they offer great cuisine WhiLe not Being overpricing Like many itaLian restaurants With the same quaLity do there is aLso something for everyone even my finicky friend can find something she Likes at oLive garden aLso kids are WeLcome Which is aLWays a pLus With crayons and fun menu puzzLes

there are aLso pLenty of oLive gardens so Whether irsquom in myrtLe Beach sc or in

athens ga i can find an oLive gardent to go to and knoW that i WiLL Be enjoying my meaL

my personaL favorite dish is the apricot chicken yes it doesnrsquot exactLy sound

itaLian But it is refreshing through the sea of heavier pastas the apricot chicen is fruity and is one of the Lighter menu items it has a LittLe oLive Branch for heaLthiness i aLso Love the addition of BroccoLi and tomatos for the side the apricot

s a u c e

is simpLy to die for itrsquos so good

aLso offered is neW cuLinary

masterpieces from oLive garden i

Like to detour from my usuaL and try something neW and most often that doesnrsquot aLWays Work out in my favor except at oLive garden

the Last time i Went to oLive garden i tried their neW Lasagna roLLata aL forno so

good and Went WonderfuL With the saLad and Breadstics offered With the meaL i Was LiteraLLy Licking the sauce off the pLate (emBarrassingLy enough) i aLso Was WeLcomed With prompt and extremeLy friendLy service you couLd teLL that the server kneW What she Was doing and cared What We needed the Water Was never empty and We aLWays had fresh Bread

of course to top it aLL off my friend and i enjoyed a cup of expresso served With a

Biscotti and the BLack tie mousse cake ending With an andes mint

12 W3 LIFESTYLE - Restaurant Review

Soup Salads and Breadsticks Oh MyBy Sierra Bennett

oLive garden is truLy a famiLy favorite

restaurant for most Who doesnrsquot Love thier deLicious saLads and Breadsticks But seriousLy oLive garden is one of the feW restaurants my friends famiLy and i agree on they offer great cuisine WhiLe not Being overpricing Like many itaLian restaurants With the same quaLity do there is aLso something for everyone even my finicky friend can find something she Likes at oLive garden aLso kids are WeLcome Which is aLWays a pLus With crayons and fun menu puzzLes

there are aLso pLenty of oLive gardens so Whether irsquom in myrtLe Beach sc or in

athens ga i can find an oLive gardent to go to and knoW that i WiLL Be enjoying my meaL

my personaL favorite dish is the apricot chicken yes it doesnrsquot exactLy sound

itaLian But it is refreshing through the sea of heavier pastas the apricot chicen is fruity and is one of the Lighter menu items it has a LittLe oLive Branch for heaLthiness i aLso Love the addition of BroccoLi and tomatos for the side the apricot

s a u c e

is simpLy to die for itrsquos so good

aLso offered is neW cuLinary

masterpieces from oLive garden i

Like to detour from my usuaL and try something neW and most often that doesnrsquot aLWays Work out in my favor except at oLive garden

the Last time i Went to oLive garden i tried their neW Lasagna roLLata aL forno so

good and Went WonderfuL With the saLad and Breadstics offered With the meaL i Was LiteraLLy Licking the sauce off the pLate (emBarrassingLy enough) i aLso Was WeLcomed With prompt and extremeLy friendLy service you couLd teLL that the server kneW What she Was doing and cared What We needed the Water Was never empty and We aLWays had fresh Bread

of course to top it aLL off my friend and i enjoyed a cup of expresso served With a

Biscotti and the BLack tie mousse cake ending With an andes mint

12 W3 LIFESTYLE - Restaurant Review

Serves 5Yields 5 (2-piece) servingsTotal Time 1 hr 10 minPrep Time 20 minOven Temp 350

Ingredients

bull 1whole(s)(3-pound)chickenbull 1 pound(s) unsalted fat-freesourdough pretzelsbull 2tablespoon(s)paprikabull Saltbull Freshlygroundpepperbull 1cup(s)low-fatbuttermilkbull 2eggwhitesbull 2tablespoon(s)Dijonmustard

Directions1 Preheat oven to 350 degrees F Cut chicken into 10 pieces 2 drumsticks 2 thighs 2 wings and 2 breasts (cut in half to yield 4 pieces) Remove skin and trim any fat Set chicken aside

2 Place pretzels in a heavy-duty resealable plastic bag and crush into coarse crumbs Mix in paprika 1 14 teaspoons salt and 2 teaspoons pepper Divide pretzel

crumbs between 2 shallow dishes3 In a bowl whisk together buttermilk egg whites mustard and 14 teaspoon salt Working with 1 piece at a time dredge chicken in pretzel crumbs from first dish then dip into buttermilk mixture shaking off excess Coat thoroughly with crumbs from second dish4 Place on parchment-lined baking pan and bake until chicken crust is crispy and an instant- read thermometer inserted into meat registers 165 degrees F 40 to 50 minutes depending on piece

PRETZEL-CRUSTED ldquoFRIEDrdquo CHICKENBY Cheryl Slocum countrylivingcom

16 W3 LIFESTYLE - FOOD RECIPE

Information

(per serving)

Calories 425

Total Fat 7g

Saturated Fat --

Cholesterol 93mg

Sodium 960mg

Total Carbohydrate 53g

Dietary Fiber 2g

Protein 37g

Serves 8

Ingredients

US Metric Conversion chart

12 pound(s) borlotti (or cranberry) beans

3 cup(s) (loosely packed) basil leaves

5 tablespoon(s) lemon juice

2 clove(s) garlic

34 cup(s) grated Parmesan cheese

1 14 teaspoon(s) salt

12 teaspoon(s) fresh-ground pepper

12 cup(s) olive oil

1 tablespoon(s) olive oil

34 pound(s) pasta such as strozzapreti or penne

1 large (13-ounce) sweet onion sliced 14 inch thick

8 ounce(s) green beans cut into 1 12-inch pieces

13 cup(s) white wine

8 ounce(s) cherry or grape tomatoes halved lengthwise

Directions

1Cook the dried beans Place the dried beans in a medium pot and fill with 3 inches of water Bring to a boil over medium-high heat Remove from the heat and let sit covered for 1 hour Drain the beans discard the liquid and return the beans to the pot Add 3 inches of water and 1 teaspoon salt and bring to a boil Reduce heat to medium-low and let simmer until the beans are tender -- about 45 minutes Strain reserving the cooking liquid and keep warm

2Make the pesto Combine the basil lemon juice 1 whole garlic clove parmesan 14 teaspoon salt and 14 teaspoon pepper in the bowl of a food processor and puree Add 12 cup olive oil in a slow steady stream and continue to process for 1 more minute until well pureed Set aside

3Cook the pasta Bring 6 quarts of water to a rolling boil over high heat in a large saucepan Add 1 tablespoon of coarse salt Place 34 pound of the strozzapreti or penne pasta in the water and cook (maintaining a medium boil) until just al dente -- about 9 minutes Drain the pasta immediately (do not rinse) Set aside

4Cook the vegetables Finely chop the remaining garlic clove Heat remaining olive oil in a large skillet over medium-high heat Add the onions and garlic and cook until the onions are deep golden brown -- 5 to 7 minutes Add the green beans and remaining salt and pepper and cook for 1 minute more Add the wine borlotti beans and 12 cup of the reserved bean cooking liquid Cover and cook until beans are warmed and green beans are tender -- 2 to 3 more minutes

5Assemble the dish Place the pasta in a large serving bowl add the bean mixture and pesto and toss Top with the tomatoes and serve warm

PASTA E FAGIOLI WITH PESTOcountrylivingcom

Nutritional Information

(per serving)

Calories 414

Total Fat 19g

Saturated Fat --

Cholesterol 7mg

Sodium 515mg

Total Carbohydrate 47g

Dietary Fiber 6g

Protein 13g

Food Recipe - W3 LIFESTYLE 17

httpwwwmichelemeowcom

Serves 8

Ingredients

US Metric Conversion chart

12 pound(s) borlotti (or cranberry) beans

3 cup(s) (loosely packed) basil leaves

5 tablespoon(s) lemon juice

2 clove(s) garlic

34 cup(s) grated Parmesan cheese

1 14 teaspoon(s) salt

12 teaspoon(s) fresh-ground pepper

12 cup(s) olive oil

1 tablespoon(s) olive oil

34 pound(s) pasta such as strozzapreti or penne

1 large (13-ounce) sweet onion sliced 14 inch thick

8 ounce(s) green beans cut into 1 12-inch pieces

13 cup(s) white wine

8 ounce(s) cherry or grape tomatoes halved lengthwise

Directions

1Cook the dried beans Place the dried beans in a medium pot and fill with 3 inches of water Bring to a boil over medium-high heat Remove from the heat and let sit covered for 1 hour Drain the beans discard the liquid and return the beans to the pot Add 3 inches of water and 1 teaspoon salt and bring to a boil Reduce heat to medium-low and let simmer until the beans are tender -- about 45 minutes Strain reserving the cooking liquid and keep warm

2Make the pesto Combine the basil lemon juice 1 whole garlic clove parmesan 14 teaspoon salt and 14 teaspoon pepper in the bowl of a food processor and puree Add 12 cup olive oil in a slow steady stream and continue to process for 1 more minute until well pureed Set aside

3Cook the pasta Bring 6 quarts of water to a rolling boil over high heat in a large saucepan Add 1 tablespoon of coarse salt Place 34 pound of the strozzapreti or penne pasta in the water and cook (maintaining a medium boil) until just al dente -- about 9 minutes Drain the pasta immediately (do not rinse) Set aside

4Cook the vegetables Finely chop the remaining garlic clove Heat remaining olive oil in a large skillet over medium-high heat Add the onions and garlic and cook until the onions are deep golden brown -- 5 to 7 minutes Add the green beans and remaining salt and pepper and cook for 1 minute more Add the wine borlotti beans and 12 cup of the reserved bean cooking liquid Cover and cook until beans are warmed and green beans are tender -- 2 to 3 more minutes

5Assemble the dish Place the pasta in a large serving bowl add the bean mixture and pesto and toss Top with the tomatoes and serve warm

PASTA E FAGIOLI WITH PESTOcountrylivingcom

Nutritional Information

(per serving)

Calories 414

Total Fat 19g

Saturated Fat --

Cholesterol 7mg

Sodium 515mg

Total Carbohydrate 47g

Dietary Fiber 6g

Protein 13g

Food Recipe - W3 LIFESTYLE 17

httpwwwmichelemeowcom

httpwwwmichelemeowcom

the hamptons is atop this yearrsquos top 10 Beaches List With coopers Beach on Long isLand ny taking the no 1 sLot and main Beach in

east hampton ny coming in fifth pLace

this year marks the 20th anniversary of the Best Beaches List put together By stephen Leatherman director of fLorida internationaL universityrsquos LaBoratory for coastaL research in miami hersquos aLso referred to as dr Beach

the List Was reLeased today

ldquothe hamptons are WorLd-cLass Beaches and are proBaBLy Better knoWn to europeans than most americansrdquo Leatherman toLd Livescience ldquothis is the first time that a ny Beach has Been the nationaL Winnerrdquo (Both coopers and main Beaches did make the List Last year coming in at third and sixth respectiveLy)

Leatherman naiLed doWn his choices Last Week and With the precarious guLf oiL spiLL creeping cLoser to shore he had to knock the fLorida panhandLe Beaches off the List just in case the gunk made its Way to these Beaches aLong the northernmost stretch of the state just aBove the guLf of mexico

even so fLorida did get some Love With siesta Beach in sarasota and cape fLorida state park in the keys getting pLacement

here are the top 10 Beaches for 2010

1 coopers Beach (southampton ny)

2 siesta Beach (sarasota fLa)

3 coronado Beach (san diego caLif)

4 cape hatteras (outer Banks nc)

5 main Beach (east hampton ny)

6 kahanamoku Beach (Waikiki oahu haWaii)

7 coast guard Beach (cape cod mass)

8 BeachWaLker park (kiaWah isLand sc)

9 hamoa Beach (maui haWaii)

10 cape fLorida state park (key Biscayne fLa)

Located on the east end of Long isLand coopers Beach is the main stretch of sand in the viLLage of southampton Which aLong With east

hampton make up the famous resorts caLLed the hamptons - Where the rich and famous reside and frequent during the season the turrets of cLothing designer caLvin kLeinrsquos mansion are among the vieWs visiBLe from coopers Beach

though officiaLLy onLy 500 feet (152 meters) Long coopersrsquo sandy shores extend for 7 miLes (11 kiLometers) and in addition to Being far Beyond the reach of the guLf oiL sLick the Beach Was aLso spared any damage from the storms this past Winter that pummeLed the us northeast coast

in other Words the perfect spot to spend memoriaL day ldquoi WiLL Be traveLing to southampton on sunday and WiLL certainLy Be at coopers Beach on memoriaL day With some friendsrdquo Leatherman said ldquoi WiLL Be incognitordquo

as With coopers aLL 10 Beaches Were chosen from Leathermanrsquos survey of 650 puBLic Beaches aLong the us coast of the atLantic guLf and pacific he uses 50 criteria for ranking Beach quaLity incLuding sand softness frequency of rip currents size of Waves presence of shoreBirds Water coLor the presence of oiL and tarBaLLs Whether itrsquos overcroWded puBLic safety maintenance of grounds and other factors

ldquothis is the first time that a ny Beach has Been the nationaL Winnerrdquo

COVER - W3 LIFESTYLE 19

TOP 10 US BEACHES OF 2010 ANNOUNCED

Advertise

here

Marci Alt(404) 377-4297marcicarmaproductionscom

Get in front of every resident in all of the best of the best communities across 6 States

bull indefinate shelf life bull Discount for

business owners who are residents of a W3 Community

bull ask about our other advertising perks

bull Find out how to get in front of the nations most loyal consumer

Advertise

here

Marci Alt(404) 377-4297marcicarmaproductionscom

Get in front of every resident in all of the best of the best communities across 6 States

bull indefinate shelf life bull Discount for

business owners who are residents of a W3 Community

bull ask about our other advertising perks

bull Find out how to get in front of the nations most loyal consumer

Accepts most major health plans

WHO IS THE DOCTOR IN YOUR NEIGHBORHOOD

ITrsquoS NISHANT SHROFF MD

Enjoy the benefits of a quality internal medicine physician right in your neighborhood

Inman Park Physicians is backed by The Joint Commission-accredited hospital Atlanta Medical Center Make the short trip to our offices in the North Highland Steel Lofts at 240 North Highland Avenue Building 3 Dr Shroff will greet you with a smile and treat you with the care and respect that you deserve

Inman Park Physicians offers the following services

bullPreventiveHealthcare bullChronicDiseaseScreenings

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bullOBGYN

Call 404-524-2424 to schedule an appointment

toy story 3

By sierra Bennett

toy story 3 Was a deLight to see it Was fun and fresh WhiLe keeping the characters and storyLine

reLataBLe i got the oppertunity to see toy story 3 in 3d Which is something i suggest everyone doing this instaLLment focuses on the toys Woody Buzz and the gang feeLing sad that their oWner andy doesnrsquot pLay With them as much since he has groWn up the movie starts off With a cute montage of kid andy pLaying With his toys then to present day of andy getting ready to go off to coLLege the toys are prepared to go up to the attic Which they are sad aBout WhiLe packing them andy accidentLy puts the toys in a garBage Bag and his mom picks it up the toys end up getting in the donation Box to sunnyviLLe daycare the story Begins Where Woody Wants to get Back to andy and the other toys are okay With Being donated Because they feeL Left out aLong the Way Woody tries to the gang to reaLize andy does What them

i donrsquot knoW What it is aBout toy story 3 But it Brought me Back to my chiLdhood and hoW much

fun it Was to Be carefree it made me Want to Be a chiLd again i aLso Like the anaLogy they toys had With What a parent might feeL When their chiLd goes to coLLege

this is a great movie for chiLdren and aduLts aLike itrsquos not cheesy or keeps a short attention span

aLso pixar again does a great joB With animation and i Look forWard to seeing What is coming up next With pixar

itrsquos compLicated

By sierra Bennett

itrsquos compLicated just came out on dvd and it Wasnrsquot a movie

i expected to see to Be quite honest hoWever on e of my friends mentioned she enjoyed thought it Was very funny i ended up Watching it With my mom since it had some of her favorite actors in it i Was reaLLy surpised to find it funny and charming i Was afraid it Was

going to Be predictaBLe some parts Were But there Were enough funny m o m e n t s and tWists to keep it entertaining

st e v e m a r t i n

has aLWays Been one of my favorite comic actors and his per formance Was no e x c e p t i o n there Was a party scene that i canrsquot give aWay that Was extremeLy funny and had my mom and i roLLing in Laughter meryL streep Was aLso of course WonderfuL and naturaL as a divorceemother the stand out to me Was the officersquos john krasinski as the soon to Be son-in-LaW he Was Witty and sharp tounged

coming up next month

groWn ups and inception

Movie Reviews - W3 LIFESTYLE 23

rodeo drive Worth avenue oxford street the champs-EacuteLysEacutees

Brimming With Luxury items that Lure the WeLL-heeLed into their upper echeLon retaiL reaLms the high streets of the shopping WorLd make no secret of their purchasing priorities Luxury goods destined for a-Listers and moneyed mavens and misters With a preference for Big-name Brands puLLed straight from ceLeBrity Backs and gLossy magazines

if your shopping tastes tend more to the one-off and ecLectic end of the spectrum (not to mention the affordaBLe) give the high streets a miss and make tracks for the offBeat shopping LocaLes instead Where the emphasis is on styLes With organic and LocaL inspiration

have faith shoppers -- not everything has gone mass market here are 4 offBeat shopping streets sourced from around the pLanet Where you can set your sights on retaiL therapy of the non-chain genre

upper king street -- charLeston south caroLina

inject some southern styLe into your WardroBe With a visit to king street -- But Be sure you have your Bearings right if itrsquos edgy yoursquore after the LoWer end of king street (handiLy caLLed LoWer king) offers LittLe out of the ordinary -- chain retaiLers found in most major american maLLs aBound With a croWd mostLy of the aBercromBie amp fitch and gap variety But the farther you venture aLong the edgier the shops and the shoppers get upper king street is fLat-out funky from independent jeWeLry ateLiers to hat Boutiques Like magar hatWorks -- Where the head-candy is foLded Like so much veLvet origami and emBeLLished With peacock and pheasant feathers -- itrsquos a meeting of design-oriented minds get Lost in a WorLd of Boho-chic and uLtra-femme Womenrsquos threads at Brsquozar a fashion Boutique that aLso seLLs quirky gifts in the form of vinyL toys from japan and unusuaL Books

north orange avenue -- orLando fLorida

the city of myriad outLet maLLs and endLess theme-park diversions is the Last pLace most pLastic-pushing patrons think to exercise their freedom to charge But What the european tourists Who descend in droves on the upscaLe maLL at miLLenia miss is one of orLandorsquos LittLe knoWn zany shopping streets cLose to doWntoWn on north orange avenue donrsquot Let the string of antique shops make you think itrsquos aLL fuddy-duddy here dotted BetWeen those dusty denizens are unique Boutiques such as dEacutejagrave vu vintage (no WeBsite) a tiny shop that Looks Like an overstuffed cLoset accessed By time traveL the proprietress a Lanky redhead Who goes By the name red roBin (ldquoirsquom not sitting here making itrdquo shersquoLL Laugh if you ask Where she finds aLL her stuff ) is your guide as you rifLe through racks to find that perfect vintage kimono antique hatpin or lsquo70s party getup a feW doors doWn at Boom-art (no WeBsite) a husBand and Wife

team Who Were once circus cLoWns Breathe neW Life into vintage furnishings and dEacutecor items By Livening them up With comic-strip art for exotic home

furnishings cross the street to Living morocco Where cameL-Leather Lamps painted With henna and eLaBorate mosaic taBLes are sourced during the oWnerrsquos Buying trips to marrakech and fes

josefstrasse -- zurich sWitzerLand

itrsquos amazing the difference a 180-degree turn can make in sWitzerLandrsquos Banking capitaL head south out of the main train station in zurich and yoursquoLL find yourseLf in the uBer-chichi shopping zone of the Bahnhofstrasse home to prada gucci BuLgari and aLL their Big-name cousins But set your sights north of the hauptBahnhof to the neighBorhood of zurich West and surprise yourseLf With zurichrsquos hottest fLedgLing design scene instead knitWear gets the x-factor at Beige sWiss styLing a Womenrsquos fashion Boutique Where the highLights are skirts and dresses in Luscious merino WooL rendered With eye-popping retro patterns a feW doors doWn at sWaLLoW-d designer tamara rist creates coLorfuL handBags and WaLLets from deck-chair canvas and vinyL and for sWiss-chic home decor hit einzigart With its curious range of haute-design Lighting fixtures and furnishings and out-there gag gifts such as Whoopee cushions

ponsonBy road -- auckLand neW zeaLand

neW zeaLandrsquos Biggest city may Be overshadoWed on the fashion front By its Brassy and Beachy trans-tasman cousin sydney But auckLandrsquos Burgeoning design scene is nothing to scoff at With taLented antipodean designers cropping up faster than a neW zeaLand minute (But sLoWer than a neW york one) in the hip doWntoWn hood of ponsonBy if you can tear yourseLf aWay from the cozy cafes serving kiLLer coffee (speak Like a kiWi and order a ldquofLat Whiterdquo if a Latte is your usuaL preference) aLong ponsonBy road the retaiL therapy WiLL not disappoint super feminine dresses in Light-as-air faBrics and vintage jeWeLry star at Womenrsquos cLothing shop Widdess home to auckLand designer yvonna vanhuLzenrsquos designs and for one-of-a-kind handmade sheLL jeWeLry Wrought from neW zeaLandrsquos impossiBLy BeautifuL BLue and green paua sheLLs hit sheLL shock a feW doors doWn

offBeat shopping streetsecLectic Boutiques aBound

By terry Ward traveLchanneLcom

ldquoWhere you can set your sights on retaiL therapy of the non-

chain genrerdquo

SHOPPING - W3 LIFESTYLE 25

wwwlifetimefitnesscom

Life Time Fitness Alpharetta

Location855 North Point ParkwayAlpharetta GA 30005 Phone 770-664-9696

HoursOpen 247

chronic acid refLux may frequentLy Wake peopLe up at night even When

it doesnrsquot cause heartBurn symptoms a smaLL study suggests

the study of 39 aduLts With gastroesophageaL refLux disease (gerd) and nine gerd-free aduLts found that those With the digestive disorder tended to Wake up more often during the night -- an average of three times per night versus just under tWice per night for their gerd-free counterparts

their sLeep disruptions Were often reLated to refLux episodes as measured By a proBe that Was pLaced in the esophagus overnight

yet the study found most of the aWakenings Were not spurred By perceived heartBurn symptoms gerd patients reported sensing symptoms in onLy 16 percent of their sLeep disruptions

the findings though Based on a smaLL group of patients suggest that gerd may Be contriButing to poor sLeep more often than has Been suspected said senior researcher dr ronnie fass chief of gastroenteroLogy at the southern arizona va heaLth care system in

tucson

in an intervieW fass pointed out that When doctors evaLuate patients for nighttime gerd proBLems they typicaLLy ask aBout symptoms hoWever the current findings suggest that ldquosome Wakings WiLL Be symptomatic But many WiLL not Berdquo he said

fass suggested that peopLe With gerd teLL their doctors if they are Waking up frequentLy during the night even if they do not feeL that heartBurn symptoms are the cause

then they might see Whether gaining Better controL of the gerd improves their sLeep fass said

some Ways of managing gerd incLude Weight Loss if needed avoiding foods that spur symptoms and eating smaLLer more frequent meaLs and for nighttime proBLems raising the head of the Bed 6 to 8 inches using Wooden BLocks under the Bedposts

medications for symptom reLief incLude

28 W3 LIFESTYLE - Health

Acid Reflux May Disrupt Sleep

Health - W3 LIFESTYLE 29

antacids and acid-reducing drugs knoWn as h2 BLockers -- such as ranitidine (zantac) and cimetidine (tagamet) another cLass of drugs knoWn as proton-pump inhiBitors (ppis) can Be prescriBed to heLp prevent acid refLux episodes particuLarLy in peopLe With more-severe gerd

the current study puBLished in the journaL cLinicaL gastroenteroLogy amp hepatoLogy Was partLy funded By takeda pharmaceuticaLs Which makes the ppi medication prevacid fass serves as a consuLtant and researcher for the company

the findings are Based on 39 middLe-aged aduLts With gerd Who had Been having at Least three heartBurn episodes per Week for the previous three months aLong With nine heaLthy aduLts

aLL participants underWent overnight sLeep monitoring Where a device Worn on the Wrist recorded their movements and a proBe pLaced in the esophagus measured instances of acid refLux those on h2 BLockers stopped using the medications at Least three days prior to entering the study and any ppi use Was stopped at Least three Weeks Beforehand

overaLL the study found 90 percent of gerd patients Woke up at Least once during overnight monitoring With the majority of the aWakenings (52 percent) Being associated With

an acid-refLux episode

in the heaLthy comparison group 78 percent Woke up at Least once But never in reLation to acid refLux

fass and his coLLeagues aLso found that in gerd patients the refLux episodes usuaLLy came not Before But after they Woke up if the acid refLux usuaLLy happened after and most aWakenings Were not accompanied By heartBurn symptoms it is not cLear Why gerd patients tended to Wake up more often according to the researchers

one possiBiLity they say is that nervous-system activity that heLps stimuLate acid refLux actuaLLy rouses peopLe from sLeep Before the refLux occurs Why these episodes WouLd so often Be symptom-free is aLso uncLear But one theory is that sLeep reduces the sensitivity of

the esophagus to stomach acid

hoWever fass and his coLLeagues note some past studies have found that the Large majority of acid refLux episodes seen in gerd regardLess of the time of day may actuaLLy not trigger cLear symptoms

source httpLinkreuterscomreB53m cLinicaL gastroenteroLogy amp hepatoLogy onLine may 31 2010

ldquostudy shoWs that aduLts With

gerd Wake up on an average of three

times per night versus those Who are

Health - W3 LIFESTYLE 29

antacids and acid-reducing drugs knoWn as h2 BLockers -- such as ranitidine (zantac) and cimetidine (tagamet) another cLass of drugs knoWn as proton-pump inhiBitors (ppis) can Be prescriBed to heLp prevent acid refLux episodes particuLarLy in peopLe With more-severe gerd

the current study puBLished in the journaL cLinicaL gastroenteroLogy amp hepatoLogy Was partLy funded By takeda pharmaceuticaLs Which makes the ppi medication prevacid fass serves as a consuLtant and researcher for the company

the findings are Based on 39 middLe-aged aduLts With gerd Who had Been having at Least three heartBurn episodes per Week for the previous three months aLong With nine heaLthy aduLts

aLL participants underWent overnight sLeep monitoring Where a device Worn on the Wrist recorded their movements and a proBe pLaced in the esophagus measured instances of acid refLux those on h2 BLockers stopped using the medications at Least three days prior to entering the study and any ppi use Was stopped at Least three Weeks Beforehand

overaLL the study found 90 percent of gerd patients Woke up at Least once during overnight monitoring With the majority of the aWakenings (52 percent) Being associated With

an acid-refLux episode

in the heaLthy comparison group 78 percent Woke up at Least once But never in reLation to acid refLux

fass and his coLLeagues aLso found that in gerd patients the refLux episodes usuaLLy came not Before But after they Woke up if the acid refLux usuaLLy happened after and most aWakenings Were not accompanied By heartBurn symptoms it is not cLear Why gerd patients tended to Wake up more often according to the researchers

one possiBiLity they say is that nervous-system activity that heLps stimuLate acid refLux actuaLLy rouses peopLe from sLeep Before the refLux occurs Why these episodes WouLd so often Be symptom-free is aLso uncLear But one theory is that sLeep reduces the sensitivity of

the esophagus to stomach acid

hoWever fass and his coLLeagues note some past studies have found that the Large majority of acid refLux episodes seen in gerd regardLess of the time of day may actuaLLy not trigger cLear symptoms

source httpLinkreuterscomreB53m cLinicaL gastroenteroLogy amp hepatoLogy onLine may 31 2010

ldquostudy shoWs that aduLts With

gerd Wake up on an average of three

times per night versus those Who are