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Shopping Sense, 12-19-2008, Central North Zone

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Shopping Sense is a monthly publication designed to help you shop smarter. Each month, the magazine features money saving tips, savvy shopping hints, hot deals, and much, much, much more! Shopping Sense is the place to look for ways to help you live comfortably and economically in the Front Range.
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GUIDE TO SMART MONEY December 19 - January 22 Look Inside For Great Coupons Look Inside For Great Coupons www.shoppingsense.biz In This Issue: How to Save $500 IN TWO MONTHS …Pg 10-12 TIPS FOR CHOOSING the Perfect Body Shop …Pg 20 DRESSING UP YOUR Winter Wardrobe …Pg 24-25 How to Save $500 IN TWO MONTHS …Pg 10-12 TIPS FOR CHOOSING the Perfect Body Shop …Pg 20 DRESSING UP YOUR Winter Wardrobe …Pg 24-25 FINANCIAL RESOLUTIONS in the New Year FINANCIAL RESOLUTIONS in the New Year CENTRAL NORTH
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Page 1: Shopping Sense, 12-19-2008, Central North Zone

GUIDE TO SMART MONEY

GUIDE TO SMART MONEY GUIDE TO SMART MONEYyouryouryour your your your youryouryouryouryouryouryouryouryour your your your your your your

GUIDE TO SMART MONEYyour

GUIDE TO SMART MONEYyour

GUIDE TO SMART MONEYyour

GUIDE TO SMART MONEY GUIDE TO SMART MONEYyour

GUIDE TO SMART MONEYyour

GUIDE TO SMART MONEYyour

GUIDE TO SMART MONEYyouryouryouryouryouryour your your your youryouryouryouryouryouryouryouryour your your your youryouryour your your your youryouryour your your your youryouryour your your your youryouryouryouryouryour your your your youryouryouryouryouryouryouryouryouryouryouryour your your your youryouryouryouryouryour your your your

GUIDE TO SMART MONEYyour

GUIDE TO SMART MONEYyour

GUIDE TO SMART MONEYyour

GUIDE TO SMART MONEY GUIDE TO SMART MONEYyour

GUIDE TO SMART MONEYyour

GUIDE TO SMART MONEYyour

GUIDE TO SMART MONEY

December 19 - January 22

Look Inside For Great Coupons

Look Inside For Great Coupons

www.shoppingsense.biz

DOWNTOWNDOWNTOWNDOWNTOWN

DENVERDENVERDENVERSHOPPINGSHOPPINGSHOPPINGGUIDEGUIDEGUIDE

In This Issue:In This Issue:In This Issue:In This Issue:In This Issue:In This Issue:In This Issue:In This Issue:In This Issue:In This Issue:In This Issue:

How to Save $500IN TWO MONTHS…Pg 10-12

TIPS FOR CHOOSINGthe Perfect Body Shop…Pg 20

DRESSING UP YOUR Winter Wardrobe…Pg 24-25

How to Save $500IN TWO MONTHS…Pg 10-12

TIPS FOR CHOOSINGthe Perfect Body Shop…Pg 20

DRESSING UP YOUR Winter Wardrobe…Pg 24-25

FINANCIALRESOLUTIONS

in the New Year

FINANCIALRESOLUTIONS

in the New Year

CENTRAL NORTH

Page 2: Shopping Sense, 12-19-2008, Central North Zone

2 December 19 - January 22 • www.shoppingsense.biz

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Page 3: Shopping Sense, 12-19-2008, Central North Zone

Shopping Sense • December 19 - January 22 3

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Page 4: Shopping Sense, 12-19-2008, Central North Zone

4 December 19 - January 22 • www.shoppingsense.biz

Page 5: Shopping Sense, 12-19-2008, Central North Zone

GUIDE TO SMART MONEY

December 19 - January 22

GUIDE TO SMART MONEY GUIDE TO SMART MONEY

December 19 - January 22

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C O N T E N T S

What Kind of Legacy Will You Leave?…Pg 8–9Discover important ways to make sure your loved ones are cared for no matter what.

How to Save $500 in Two Months…Pg 10–12With a few small reductions in family spending, you can easily save $500 dollars or more in two short months.

Coping with the Rising Cost of Groceries…Pg 18–19

Find several ways to ride out the economic downturn by saving money on groceries.

Tips for Choosing the Perfect Body Shop…Pg 20-21

Discover how to fi nd the perfect balance of cost and quality for car repair.

Families Still Control Their Own Destiny…Pg 22–23

No matter the state of the economy, you are still in control of how you save and where you invest.

Dressing Up Your Winter Wardrobe…Pg 24–25

Dresses are in style this winter. Check out some of the hottest fashions.

The Gift of Giving…26–27Instead of gift cards this year, gift someone the chance to donate to charity.

Fashion and Style Tips for Women…Pg 28Read this book review on one of the best fashion guides of 2009.

Dollar Stretching Tips…Pg 30More tips for saving money and making your household items last longer.

Put Your Finances on Autopilot in the New Year... Pg 6-7

Learn how to take advantage of options like automatic bill paying for a stress-free 2009.

Shopping Sense • December 19 - January 22 5

Publisher James Diaz

...................................................................................................................

Managing Editor John Cargile

Contributing EditorsRyan Peacock Charron Conley

Caitlin KellyJeanne Fischer

...................................................................................................................

Creative Director Yashpal Singh

Contributing Art DirectorsJennifer HarlowRichard GaitherMarissa Ayres

...................................................................................................................

Offi ce Manager Theresa Hall

...................................................................................................................

Account Executives Anne Kremer

Ellen Schneeweis Tony Sollenbarger

Char Stunkel

...................................................................................................................

Shopping Sense is a publication of Metro Mountain

Media, LLP, an E.W. Scripps/MediaNews

Group Company.

...................................................................................................................

Shopping Sense is delivered to over 350,000

households in The Denver Post, Rocky Mountain News,

and at selected retailers.

...................................................................................................................

Issue Dates for First Half of 2009: January 23 February 20 March 20 April 17 May 15 June 19 July 17

...................................................................................................................

Shopping Sense 3801 E. Florida Ave., Suite 100

Denver, CO 80210Phone 303-954-3456

www.shoppingsense.biz

DOWNTOWNDOWNTOWNDOWNTOWN

DENVERDENVERDENVERSHOPPINGSHOPPINGSHOPPINGGUIDEGUIDEGUIDE Pg 13-17

Page 6: Shopping Sense, 12-19-2008, Central North Zone

6 December 19 - January 22 • www.shoppingsense.biz

FINANCEBy Jeff Yeager

New Year’s resolutions regarding better money management are almost as common as those about losing weight. Our wallets always seem too thin and our waistlines too fat.

Why not resolve to pay all your bills on time this year, eliminate late fees and interest charges, and save time and stress in the process? In a hour or two, you can set up a system of what I call fi nancial autopilots—automatic bill paying and other banking transactions—that will save you countless hours in the long run and ensure that your bills are always paid on time. Here’s how: It All Begins with Direct DepositAs the old saying goes, “Out of sight, out of mind.” By making arrangements to have your paychecks and any other routine payments you receive deposited directly into your bank account, you remove the temptation of cashing your check at the bank and deciding to splurge with a night (or three) on the town. You also save time, and time is money, particularly since this is a free service offered by nearly all banks and employers. But don’t stop there. In addition, sit down and fi gure out what other automatic allocations you can make of incoming funds. For most people, split deposit plans are advisable. As your budget allows, make arrangements to have a portion of each paycheck deposited directly into a savings account, for example, or even into various special savings/investment accounts set up for the kids college or as an emergency fund.

And of course make sure that right off the top you are allocating as much as possible to fund your 401K or other tax-advantaged retirement fund, as direct deposits into these accounts are generally on a pre-tax basis. Another advantage of making direct deposits from each paycheck into stock or bond-based funds is what’s called dollar cost averaging, meaning that you reduce the risk of “buying high” when you buy stocks with every paycheck instead of all at one time. The point is, by spending some time fi guring out how you can allocate and segregate your income, and then institutionalizing this plan by using the fi nancial autopilots of direct deposits/split-deposits, you’re taking a monumental step towards getting your fi nancial house in order.

Then Put Your Spending on AutopilotOnce you’ve made arrangements to put your incoming funds on autopilot, then turn your attention to your expenses. Make a list of your routine monthly bills (e.g. phone, electric, insurance, etc.) and contact those vendors to arrange for those bills to be paid automatically out of your checking account each month. This usually involves fi lling out a short direct-pay authorization form with each vendor and supplying a voided check for the account from which the automatic payments will occur.

By taking advantage of options like automatic bill paying and direct deposit, you can put your fi nances in fantastic shape for 2009

FINANCEBy Jeff Yeager

Put Your Finances on Autopilotin the New Year

Page 7: Shopping Sense, 12-19-2008, Central North Zone

Shopping Sense • December 19 - January 22 7

Nearly all vendors offer direct pay plans these days; they’re a free service, and save you the time and expense of writing a monthly check, as well as eliminate the possibility of incurring late fees. Many vendors even allow you to choose the day of the month when the withdrawals from your account will occur, thereby allowing you to coordinate payment dates with pay days and other cash flow considerations. You’ll continue to receive copies of your monthly bills, so you can check them for accuracy. Direct pay plans can usually be discontinued quickly, with a simple phone call if you should need to do so. By calculating the average annual amount of these routine monthly bills, I set up a special checking account just for these direct pay expenses, where I try to maintain a comfortable cushion of two or three months worth of funds. Don’t Forget about the Credit Cards and Home MortgageTwo of the most important financial autopilots most people should consider setting up are automatic payment plans for their credit cards and home mortgage. By making arrangements with your credit card companies to automatically pay off your balance each month, you not only avoid late fees and interest charges, but you ensure that you won’t rack up insurmountable charge card debt over time. Obviously this takes financial discipline to make sure that you’re able to cover these automatic debits to your account, but remember: financial discipline is the name of the game! And by all means, make arrangements with your mortgage lender to automatically withdraw your monthly house payment from your checking account. After all, when it comes to a mortgage, making your monthly payments isn’t exactly optional! While you’re at it, consider enrolling in an accelerated mortgage payment plan likely offered by your lender. Under these plans, you typically authorize the lender to withdraw funds from your account every other week (to coincide with bi-weekly paychecks), each for roughly one-half of amount of your normal monthly mortgage payment. By setting up this relatively painless type of accelerated payment plan, you are able to save thousands of dollars in interest and usually shave years off the length of your mortgage. It’s true that not all types of financial autopilots work for everyone. But by figuring out which ones will work for you and putting them in place, you’ll be amazed by how they can help you budget and save. Now, if only losing that extra twenty pounds was so easy.

Jeff Yeager is the author of the book The Ultimate Cheapskate’s Road Map to True Riches. His website is www.UltimateCheapskate.com. nSS

Page 8: Shopping Sense, 12-19-2008, Central North Zone

8 December 19 - January 22 • www.shoppingsense.biz

If I had a personal fi nance mantra, it would be something like “Plan for the future.” I’m constantly urging people to save for

the proverbial rainy day, to invest for long-term goals like college for their children and retirement for themselves. But today I want to talk to you about an understandably much less popular (but equally important) topic—estate planning. Certainly none of us wants to think about our own demise, but in order to truly take care of your loved ones, it’s essential that you make sure your assets are dispersed in a way that minimizes hassles, maximizes utility and embodies your own personal and fi nancial values. Here’s how to get started:

Plan fi rst: Start by fi guring out what you need to do and what you want to do with your assets after your death. For many people, these choices will be simple: you’ll want to provide for your spouse and your children. Things can get more complicated for more complex family situations, such as people with families from previous marriages. Of course, you’ll probably have material goods you want to pass on from things with real economic value (a second home or an antique car) to things with purely sentimental value. Supplement these particulars with a list of more general objectives as well. Your legacy, after all, is not just the tangible stuff you leave behind but also the values and ideals you leave behind. What, for example, would you hope your children might learn from your will? I know of a man who made a sizeable donation to his alma mater in his will—a powerful testament to his fervent belief in the importance of education. Discuss: Of course, it’s one thing to make a bequest in your will or a trust. It’s quite another to turn that bequest into an object lesson for your loved ones. The man I’m talking about made it crystal clear, in conversations with his children long before he died, how much he valued education and how much he hoped they’d do the same.

I suspect that was a lesson they took to heart, and probably replicated in their own way when they had the means to do so. Once you’ve outlined the basics of your plan, it’s worth discussing them with the key people your decisions will impact before you go through the legal process of formalizing those plans. Obviously, you’ll need to use discretion and judgment; talking about your wishes with your wife and adult children is important, but you’d probably not bring it up with young kids. Be prepared for some resistance, particularly from your kids; they really don’t want to contemplate a world without their parents, and who can blame them? (Of course, they might also be resistant if your wishes don’t coincide with their expectations!) Just stress that you want them to know and understand your desires and the rationales behind them. It can’t lessen the pain of your death, but it can help avoid resentment or disappointment. Most small estates are not likely to breed resentment or disappointment. It’s hard for anyone to complain, for example, if you divide your estate equally among your children. But it is possible that you want to treat different heirs in different ways. Some people, for example, have given responsible children lump sums and more profl igate children income-generating trusts. Explaining your reasoning to them before your death should mitigate any problems.

What Kind of Legacy Will You Leave?

Estate planning may be diffi cult, but it’s essential to ensure that your loved ones are cared for no matter what.

FINANCIAL PLANNINGFINANCIAL PLANNINGBy Carrie Schwab-Pomerantz

Page 9: Shopping Sense, 12-19-2008, Central North Zone

Shopping Sense • December 19 - January 22 9

Make it legal: Once you’ve decided what you want to do with your assets, and you’ve discussed your plans with the people who matter, it’s time to make things legal. Everyone needs a basic will; otherwise your assets will be distributed according to your state’s “intestate” laws—which may or may not mirror your wishes. Another big issue is probate. In some states, notably California and New York, probate is both time-consuming and expensive—something you want to avoid if at all possible. At the most basic level you can accomplish this by making sure that your beneficiaries are correctly identified for financial accounts and insurance policies. You’ll also want to ensure real property is titled properly so that it will pass to your intended beneficiary automatically (outside probate). The key here? A will is essential—but it will not avoid probate. In addition, if you have significant assets (potentially triggering estate tax), you should talk to an estate-planning attorney about trusts. It takes a fair amount of money to trigger estate taxes ($2 million this year and $3.5 million next year, but those numbers could change in the future). But a large retirement account and a home in a high-priced real estate market like New York or California could easily put you into the estate tax category. An estate planner can help you figure out ways to reduce the size of your taxable estate, find the right structure for major assets, and establish trusts for your surviving spouse and other heirs.

Don’t forget: And while you’re thinking about the unthinkable, there are a couple of other documents to prepare. You should establish a “power of attorney” to give someone you love and trust the ability to handle your affairs if you’re incapacitated to ensure you can pay the bills and make financial decisions when you can’t. You should also establish an “advance health care directive” in which you can (1) express your wishes concerning life-sustaining procedures and (2) designate a trusted relative or friend to make decisions on your behalf should you become unable to speak for yourself. I’ve never met anyone who relished the chance to plan for his or her demise. But I’m absolutely convinced that it’s the right thing to do for everyone with assets, dependents or both—which means almost everyone. Start now by making your list of goals for your financial legacy. Talk it over with the people your decisions will impact. Then get it formalized and legalized. You should revisit it from time to time, especially if your family situation changes, but you should also be comforted by the fact that your legacy will be just that, your legacy.

Carrie Schwab-Pomerantz is Chief Strategist, Consumer Education, Charles Schwab & Co., Inc., Member SIPC. You can e-mail Carrie at [email protected]. To find out more about Carrie Schwab-Pomerantz and read features by other Creators Syndicate writers and cartoonists, visit the Creators Syndicate website at www.creators.com. COPYRIGHT 2008 CREATORS SYNDICATE INC. nSS

Page 10: Shopping Sense, 12-19-2008, Central North Zone

10 December 19 - January 22 • www.shoppingsense.biz

I f you are planning a wedding, a special event or a party, a big shopping trip, or just want the security of having some savings behind you, here are some simple ways to save. An average family of

four can easily save $500 in two months. When you consider you could save $3000 every year, implementing these ideas is worth the effort.

SAVE ON COFFEE AND LUNCHESIf you buy a coffee every morning on the way to work, you are spending $15 a week on your daily caffeine fi x. Making coffee at home and pouring it into a travel mug will save you the cost of buying coffee for your daily commute. If you are buying more than one coffee a day, you can reduce your coffee intake by one or two cups a day and make the savings you want to. Alternatively, purchase a coffee once a week as a treat, and save money on other days. Buying lunches at work or the school canteen can be extremely expensive. It is easy to spend $10 per person on a meal and a drink. Even if you spend only $5 a day on your lunch, you are spending $25 a week. If your partner and children buy their lunch each day too, you could be spending more than $200 a week on family lunches. Packing a lunch is an easy way to save money. You can make extra portions when cooking for dinner and freeze the meals. Heat these in the microwave to give you a healthy, hot meal during the day. Instead of buying a sandwich, make one at home. Buying a loaf of bread and a few sandwich fi llings can cost only a few dollars but can provide lunches for a week for the family. Instead of buying drinks throughout the day, fi ll up a bottle at the water cooler in the offi ce and drink that. Save money and your health by drinking free water. Most families can save between $50 and $100 a week by packing lunch rather than purchasing it. You could easily save $400 in two months by reducing expenditure on lunches, drinks and coffees during the day.

SAVE ON FAMILY ENTERTAINMENTLook at your current expenditure on entertainment and consider where you can make savings. Join the local library and read books free, instead of purchasing a new novel every week. Rather than paying for a different magazine each week to read on your daily commute, consider clubbing together with three friends. Each can buy a different magazine and pass them around the group each week.

Going to the movies is an expensive undertaking. If you are saving for a special reason like a party or a holiday, it can be easy to give up a trip to the movies in the short term. Cheaper entertainment options than the movies include renting DVDs (usually less than a child’s ticket to the movie), playing board games at home or visiting museums. You can have hours of family fun playing a board game together or watching a DVD and passing around homemade popcorn for a lot less than the cost of taking the family to the movies. If you really want to go to the movies, make it a treat, not an every-week occurrence. Look for movie and meal deals at local restaurants and go on the cheapest day. Do not purchase snacks and drinks at the expensive candy bar but bring your own from home. Check out the local newspapers for information on free council and community events. You might be surprised to learn you could go to open air cinemas, jazz concerts and even family theatricals free during certain times of the year.

SAVE ON FUEL Stop driving and walk more. Walk to the local shops, rather than automatically taking the car. Park the car further from work and walk the rest of the way. If riding your bicycle is an option, consider getting on your bike even once or twice a week. Not only is it a way to save fuel, it is also a cheap way to exercise. Saving just $5 to $10 a week on fuel, gives you $40 to $90 in two months. Fuel costs are expensive, so consider every option available

How to Save $500 In Two Months

An average family of four can easily save $500 in two months.

FINANCEFINANCEBy Hayley Hunkin

Page 11: Shopping Sense, 12-19-2008, Central North Zone

Shopping Sense • December 19 - January 22 11

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Page 12: Shopping Sense, 12-19-2008, Central North Zone

12 December 19 - January 22 • www.shoppingsense.biz

Five Healthy Breakfast Ideas

It’s the most important meal of the day, but it can also present the biggest challenges to healthy eating. Most people have limited time and don’t have the time to prepare a full breakfast in the morning.

Unfortunately, stopping for an Egg McMuffi n at a drive-thru is not a healthy solution. How can you resolve the health versus convenience dilemma? Here are some quick and healthy breakfast ideas to get your morning started right: Start the day with fresh eggs. Eggs are an excellent source of protein and omega-3 fatty acids. Studies have shown that people who eat eggs in the morning tend to stay fuller longer and end up consuming fewer calories throughout the day. Need a quick and healthy way to prepare your breakfast eggs? Use your microwave to prepare delicious scrambled eggs in minutes. Turn up the fl avor of your eggs by adding a dollop of salsa, grated parmesan cheese or a variety of dried spices.

Try some quick and easy whole grain cereal for breakfast. Nothing is more satisfying and fi lling than an old-fashioned bowl of oatmeal. If you don’t like the taste of oatmeal, spice it up with an interesting fl avor extract. Other options include adding fl avored coffee syrup, fresh fruit, brown sugar, molasses, a teaspoon of peanut butter, a bit of cocoa powder, a teaspoon of fl avored jelly or a handful of nuts. To increase the health value, add a tablespoon of freshly ground fl axseed. If you become tired of oatmeal, try oat bran which is even higher in fi ber. Oat products are a great choice for a quick and healthy breakfast.

Yogurt is a refreshing, fast breakfast treat. A cup of yogurt is both healthy and satisfying. You can enhance the health of your yogurt as well as the taste by adding fresh fruit, nuts and various whole grain cereals. Look for yogurt with active cultures to help keep your intestines colonized with healthy bacteria.

Vegetarian bacon is surprisingly tasty. Do you love bacon, but hate the fat and calories? Try vegetarian bacon. It’s quick and easy to prepare and is low in calories and fat. Try pairing it with some microwave scrambled eggs and you have a quick and healthy breakfast that will keep you full until lunchtime.

Bran cereal is the ultimate quick and easy breakfast. What could be quicker than adding bran cereal to a bowl along with a little milk and sweetener? Plus, it’s full of heart healthy fi ber which most of us don’t get enough of. If you have more time, add some tasty embellishments such as fruit and nuts to turn up the taste and the health benefi ts. Congratulate yourself on making a low-calorie, high-fi ber choice. After all, you could have chosen doughnuts. nSS

DININGDININGBy Kristie Leong

Stopping for an Egg McMuffi n at a drive-thru is not a healthy solution.

to you. If catching public transport is a cheaper option, use it. Try some simple ways to keep the car in the garage to save as much fuel as possible in the next two months to meet your savings goal.

SAVE ON GROCERIESGroceries are expensive, but you can still provide healthy food for your family while cutting the grocery bills. You can cut meal costs by using healthy substitutes for some expensive foods. Adding tinned kidney beans to hamburger dishes provides added protein and means you can buy less of the more-expensive meat. Buy in bulk when items are on sale and make use of your freezer. You could change some everyday groceries such as ice cream, to a special treat and fi ll up on your meals instead of having a desert every night. Cooking food is a great way to save on groceries. It costs less than $1 to make a cake from scratch (counting the proportion of ingredients like fl our and sugar used) but a packet cake mix can cost you up to $5. Try some products without the expensive marketing and branding. Some products are the same, produced in the one factory, but with different labelling. You are not necessarily buying better-quality groceries by only purchasing the brand name products. Remember, if you can save just $15 a week on your current grocery bill, you will save more than $120 in two months.

SAVE ON EXERCISECancel your expensive gym membership and go for walks instead. Alternatively, consider purchasing an exercise DVD for what you would spend on one week at the gym, and save the gym fees for seven weeks. If you go to the gym three times a week, at a cost of $7 a session, you could save $21 a week and up to $168 in two months.

THE SAVINGS WILL ADD UPEvery time you save, put the difference aside into a separate bank account. This way, you will be less tempted to spend your savings on other products. You will quickly reach your savings goals when you put aside money each week. You only need to save $65 a week to reach your goal of more than $500 in two months. Saving just $10 on coffees, $25 on lunches, $15 on entertainment, $5 on fuel, $15 on groceries and $15 on exercise a week will net you $85 a week. If you can save more on any item, you will save more in the two months. nSS

If you can save just $15 a week on your current grocery bill, you will save more than $120 in two months.

FINANCEFINANCE

Page 13: Shopping Sense, 12-19-2008, Central North Zone

In Partnership With MagazineIn Partnership With MagazineIn Partnership With Magazine

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Page 14: Shopping Sense, 12-19-2008, Central North Zone

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14 Downtown Denver Shopping Guide

Holiday Happenings in Downtown Denver

By Caitlin Kelly and Jeanne Wilson

Fabulous Fireworks Don’t miss the dazzling fi reworks display along the 16th Street Mall to celebrate the New Year. Families with little ones can enjoy the 9pm display, and an identical display will take place at midnight. You can view the fi reworks from anywhere on the 16th Street Mall—there’s not a bad seat in the house!

For the KidsNoon Year’s Eve at the Children’s Museum of Denver2121 Children’s Museum Drive, (303) 433-7444

No one wants cranky kids on New Year’s Eve. Instead, celebrate Noon Year’s Eve this year. Kids can sip sodas, blow noisemakers and count down the hours until noon at this celebration. There will be four ten-minute long ball-drop celebrations. In between ball drops, children can do crafts, decorate cookies and enjoy shows by various

entertainers. For more information visit www.cmdenver.org.

Rock Out!Why not spend New Year’s with your favorite band? Check out who’s playing at Denver’s best venues on Dec. 31:Pepsi Center: Widespread Panic and Yonder Mountain String Band, 8:30pm (also on December 30)The Ogden Theater: Big Head Todd & The Monsters, 9:30pmThe Gothic Theater: The Flobots with Kinetix and Mike Friesen’s Punch Out, 8pmThe Fillmore Auditorium: Flogging Molly with The Aggrolites and The Reverend Peyton’s Big Damn Band, 8pmThe Bluebird Theater: Slim Cessna’s Auto Club, 9pm

Party Packages Check out some of these great New Year’s deals offered by some of Denver’s best bars and restaurants:Comedy Works: 1226 15th Street, (303) 595-3637Comedy Works offers an all-ages show at 6pm, followed by an 8pm (PG-13) show and a 10pm extravaganza with buffet, champagne toasts and party favors. Call for pricing and details or visit www.comedyworks.com.

Jazz@Jack’s: 500 16th St., #320, (303) 433-1000Enjoy fabulous live music at Jazz@Jack’s starting at 9pm. Tickets are $30 per person, which includes party favors, a champagne toast, music and dancing until 1am. Reservations are required. www.jazzatjacks.comThe 9th Door: 1808 Blake Street, (303) 292-2229 Looking to add some unique fl air to your New Year’s Celebration? The 9th Door invites you to enjoy sizzling Spanish cuisine from their extensive New Year’s menu. The restaurant offers four different seating times: 6:30 and 7:00pm for $55 per person; and 9:00 or 9:30pm for $65 per person. Those who choose the 9:30 seating will also enjoy a complementary glass of champagne at midnight. For reservations call 303-292-2229.Panzano New Year’s Day Buffet: 909 17th Street, (303) 296-3525Most restaurants are closed New Year’s Day, but not Panzano in Downtown Denver. Panzano offers an Italian brunch buffet from 9am to 2pm on New Year’s Day, so your family can eat well without having to cook on your day off. Call for reservations. Adults are $33; Children are $17. www.panzano-denver.comPurple Martini Tabor Center: 1201 16th Street, #338, (303) 993-9383For some, only the VIP treatment will do. Take in the beautiful view of the 16th Street Mall as you enjoy complimentary champagne and chocolate-covered strawberries inside one of Denver’s most popular bars. Call for more information. www.purplemartini.com.Ménage a Trois New Year’s Party Celebrate 2009 at the Ménage a Trois New Year’s party. This event takes place in three stylish bars on Larimer Street—Tryst, B-Low and Pi—and offers great drink packages. Doors to all three bars open at 8pm, and alcohol is served until 2am. General admission is $45, or $160 for groups of four. Bottle service package available for $380, and groups of six or more get free champagne at midnight. Call 1-866-824-8212 or visit www.clubzone.com for tickets.

Forget Times Square—Denver is the place to be this December 31. There is something fun for everyone in your family, so grab your party hat and

noisemaker and head downtown for the party of the year!

Page 15: Shopping Sense, 12-19-2008, Central North Zone

Holiday 2008 15

Hotel PackagesAfter a long night of celebrating, nothing is better than knowing that your bed is just a short elevator ride away. Check out some of these fantastic New Year’s Eve packages offered by some of Denver’s hippest hotels so you can kick off 2009 in the lap of luxury. Remember—book quickly, these hotels fi ll up fast! Contact the hotel for booking, details and restrictions.Burnsley All-Suite Hotel1000 Grant Street, (303) 830-1000Ring in 2009 in style at the Burnsley All-Suite Hotel. It offers New Year’s packages that include champagne and souvenir fl utes, chocolate-covered strawberries, party favors and the all-important hangover kit. Should you choose the “With Dinner” Option, you’ll be treated to a four-course dinner for two. You may also choose the “In Room” option to have your suite’s refrigerator stocked with hors d’oeuvres and desserts when you arrive. www.burnsley.comThe Curtis Hotel1405 Curtis Street, (303) 571-0300With 13 guestroom fl oors with themes like “TV Mania” and “Mad About Music,” the Curtis Hotel offers guests a one-of-a-kind pop culture experience. And with New Year’s Eve room specials starting at $189, it becomes even more irresistible. Even if you’re not in town for New Year’s, you can still take advantage of stellar holiday deals, like room rates starting at $99 (December 14th–30th and January 1). www.thecurtis.com

Grand Hyatt Denver1750 Welton Street, (303) 295-1234Celebrate the New Year at the Grand Hyatt, which will host dance parties in three different ballrooms. The New Year’s Eve package includes overnight accommodations, two tickets to the hotel’s celebrations, hors d’oeuvres, open bar, midnight toast, and 3:00pm checkout on January 1st. Tickets for the party only are also available for $109 per person. www.granddenver.hyatt.com

The Warwick Hotel1776 Grant Street, (303) 861-2000The Warwick Hotel offers you a place to rest your head once the festivities are through! This New Year’s Package includes deluxe accommodations (with available upgrades

Page 16: Shopping Sense, 12-19-2008, Central North Zone

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16 Downtown Denver Shopping Guide

for an additional charge), breakfast for two at the New Year’s Buffet, New Year’s Eve welcome gift, free parking and free WiFi. Packages start at $229 for two. www.warwickdenver.com

Special Holiday RatesEven if you’re not staying in Denver for New Year’s Eve, you can still take advantage of some superb holiday rates for a quick getaway to the Mile High City.

The Brown Palace Hotel321 17th Street, Denver, (800) 323-7500If you’re in the mood to splurge this holiday season, look no further than Denver’s famous Brown Palace Hotel. The Brown’s Winter Wonderland package, starting at $450, offers you and a guest one night deluxe accommodations, couple’s massage with peppermint oil and a decadent dip in a peppermint bath. Or, you may choose the Sleigh Bells in the City package (starting at $335), which includes one night luxury accommodations, 30-minute horse-drawn carriage ride, couples pedicure,

and a hot chocolate and sugar cookie turndown service. How sweet is that? www.brownpalace.comHyatt Regency Denver650 15th Street, (303) 436-1234Got the shopping bug? Book a stay at the beautiful Hyatt Regency before December 21 and take advantage of its Holiday Shopper’s Package. This includes deluxe overnight accommodations, a 50% discount on the Altitude Breakfast Buffet, free shuttle to and from the fabulous Cherry Creek Shopping Center, a Macy’s 11% Savings Card, shopping tote and Passport to Shopping vouchers (which get you discounts at over 60 restaurants and shops). Holiday shopping has never been easier or more fun! www.denverregency.hyatt.comThe Warwick Hotel1776 Grant Street, (303) 861-2000Looking for a quick and convenient holiday getaway? The Warwick Hotel has everything taken care of. Its Mile High Holiday Getaway package, starting at $119 includes deluxe accommodations, breakfast for two at Randolph’s restaurant, 20% off lunch or dinner at Randolph’s and a special welcome gift. If you have shopping on the brain, consider the Shop ‘Til You Drop package, which includes a deluxe room, complimentary shuttle to Cherry Creek Shopping Center, gift tote, Passport to Shopping vouchers, two Fiji water bottles, welcome gift, red wine and chocolates and free WiFi. This fantastic package starts at $129. www.warwickdenver.com

The Westin1672 Lawrence Street, (866) 716-8137You just can’t celebrate the season without a holiday classic like The Nutcracker. With this in mind, The Westin is offering The Nutcracker package, starting at $209. The package includes overnight accommodations and two tickets to The Nutcracker at the Ellie Caulkins Opera House. The Westin is also offering discounted holiday rates starting at $111.30 per night for weekend stays through January 31, 2009. www.starwoodhotels.com/westin

More Holiday Fun for Your FamilyColorado Ballet1278 Lincoln StreetTake the whole family to see the Colorado Ballet’s production of the holiday classic, The Nutcracker, now through December 27th. For tickets call (303) 837-8888 or visit www.coloradoballet.org.

Page 17: Shopping Sense, 12-19-2008, Central North Zone

Holiday 2008 17

Colorado Symphony OrchestraBoettcher Concert Hall, Denver Performing Arts Complex1000 14th Street, #15, 303-MAESTROEnjoy beautiful holiday music performed by the Colorado Symphony Orchestra, whose holiday series includes A Colorado Christmas, Jim Brickman Christmas, Too Hot to Handel and A Charlie Brown Christmas. Be sure to catch A Night in Vienna, a special New Year’s Eve concert that will conclude in time for you to catch the 9pm fi reworks show on 16th Street Mall. For performance times, tickets, and details, call 303-MAESTRO (632-7876) or visit www.coloradosymphony.org.The Denver Zoo2300 Steele Street, (303) 376-4800Stop by the Denver Zoo to check out ZooLights, an exciting mixture of lights, animation and holiday music. This stunning spectacle runs from December 12 to January 4; For tickets call (303) 376-4800 or visit www.denverzoo.org.Denver Center for the Performing Arts1101 13th Street, (303) 893-4100Once you see the DCPA’s fantastic production of Dickens A Christmas Carol, no one in your family will be saying “Bah Humbug!” For tickets call (303) 893-4100 or visit www.denvercenter.org.

Page 18: Shopping Sense, 12-19-2008, Central North Zone

18 December 19 - January 22 • www.shoppingsense.biz

As if gas prices weren’t enough to put a frown on your face and a big dent in your wallet, grocery costs are climbing too! Many households across the country are feeling the monetary squeeze

at the grocery store. It’s not your imagination—if you feel like you’re spending more money at your local grocery store but getting the same amount of food or even less than before, you probably are! Economists say the rising cost of crude oil is driving the prices for other markets. High fuel and energy costs have impacted the production of food. Also, world-wide demand for basic crops like corn and wheat has reached new highs. Although economists continue to debate over the exact causes and the effect these causes have on food prices, the end result is a signifi cantly higher bill for groceries. And, because consumers already have other increases on their plate, this one really smarts. Nevertheless, there are some ways to cope with the high cost of groceries and to minimize the drain on your budget. One tried-and-true method is to cut coupons and use them on all your trips to the market. Coupons are more budget-friendly than ever. Because driving from store to store to take advantage of various sales is no longer effective due to escalating gas prices, consumers should plan to take advantage of coupon savings as much as possible. Cutting and organizing coupons is time-consuming, to be sure, but it can help eat up the food increases in the long run. You can make coupons work extra hard by using them in conjunction with sale prices. Check your local sale prices for coupons, but also consider making some phone calls to the manufacturers of your favorite products. In many cases, just a phone call to a company can result in them sending you some coupons for their products. Savvy coupon users also bid for batches of coupons on eBay, which can really help make a difference in your grocery bill. Of course, a simple method to lower your costs is to try to buy what’s on sale as much as possible and to use generic brands when you can or are willing. In many cases, generic products are made by name-brand companies. While you may not be willing to trade in your favorite name-brand cereal for another, you may fi nd that choosing off-brand products for items like vegetable oil, bread, milk and frozen vegetables can make up for the increased prices of your favorites. Shoppers also visit wholesale superstores like Sam’s Club to gain considerable savings for food. Although customers have to buy in bulk, the bottom-line price for each individual item is much reduced in the long run. Simply buy items that you know you need each month

like toilet paper or chicken breasts, for instance. Prices are greatly discounted and, although the stores charge an annual fee, the savings is generally felt after just one or two trips to the store. Of course, consumers can also reduce their bill by eliminating unnecessary, albeit convenient, items from their grocery list. For

Coping with the Rising Cost of Groceries

Along with gas prices, food prices are rising with no end in sight, but there are smart strategies

FOODFOODBy J. A. Young

Page 19: Shopping Sense, 12-19-2008, Central North Zone

Shopping Sense • December 19 - January 22 19

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CHOOSE YOUR MARKET to reach the customers in your community. SHOPPING SENSE

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circulation per zone. � is allows you the opportunity to choose

the markets best FOR YOUR BUSINESS.

To reach more customers contact your DNA rep,

call 303-954-1434 or visit www.shoppingsense.biz for a media kit.

CHOOSE YOUR MARKET to reach the customers in your community. SHOPPING SENSE

is delivered by area (Northwest, Northeast, Southeast, West, Central South & Central North) to over 60,000

circulation per zone. � is allows you the opportunity to choose

the markets best FOR YOUR BUSINESS.

To reach more customers contact your DNA rep,

call 303-954-1434 or visit www.shoppingsense.biz for a media kit.

Shopping Sense Is More Than a Coupon Book ... It Delivers Great Ideas

and the Best Deals

instance, cut out the use of paper plates and paper napkins. Use cloth napkins at home and regular dishes. Making a grocery list that is tailored to a weekly menu is a great way to keep your shopping trip on track. It is too easy to pick up this or that when you pass it in the aisle, but items that are not on your list might be best avoided in order to keep your budget on track as well. Finally, voice your opinion about this food increase and how it affects your life and the lives of family members. Let the manager at your local grocery store know your thoughts; he or she might not be able to do anything about your bill, but at least they’ll know what their customers are facing. Perhaps they’ll work even harder to get prices back to normal. Also, write to your senators and tell them to keep this issue at the forefront of their minds. It’s partly their job to find solutions to these skyrocketing costs. Perhaps, with time, there may be a return to normalcy among food prices, but experts believe that this is not going to be any time soon. By incorporating some of these cost-saving measures, you may begin to feel a touch of relief in your budget. nSS

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20 December 19 - January 22 • www.shoppingsense.biz

Tips for Choosing the Perfect Body ShopW hile in a perfect world, no one would ever need the services

of a body shop, we all know that the world we live in is not a perfect one. Accidents do happen, and when they do, it is

important to choose the right body shop to get your car back to looking like new. Choosing the right body shop is important not only for the good

looks of your car but for its safety as well. A well-repaired car will be as safe as the day it fi rst rolled

off the assembly line, while a poorly repaired car may

be dangerous to drive. It is

important to choose a body shop that uses genuine manufacturer parts and whose staff is capable of putting your car back just the way it was. When dealing with the insurance company, it is important to keep in mind that most states give consumers the right to choose their own body shop for needed repairs. While insurance companies may try to steer their customers to preferred body shops, consumers can and should do some research on their own in order to fi nd the best match for their needs. One of the best ways to fi nd the perfect body shop is simply to ask around. Asking family members, friends and coworkers is a good way to get some recommendations about which body shops are the best. If you know someone who has recently been in an accident, you may want to

ask them about their experience, and about which body shop did the

work on their vehicle.

AUTOAUTO

Consumers can and should do some research on their own in order to fi nd the best match for their needs

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Shopping Sense • December 19 - January 22 21

As you are evaluating different body shops, it is important to take a good look around. The shop should be neat and tidy, not dirty and disorganized. It is also important to look for various industry certifi cations and certifi cates held by the employees of the company. These certifi cations will help you gauge the expertise of the staff. Also look for certain pieces of equipment as you tour the shop with the owner of the facility. A modern body shop should include a paint spray booth and a modern frame machine (used to measure and pull the body of the vehicle). The owner of the body shop should be proud to show you around the shop; if he or she is reluctant to show you around, it should serve as a big red fl ag. When evaluating body shops, it is a good idea to talk directly to the owner of the shop. It is fi ne to get an estimate from a worker, or to have a technician answer specifi c questions, but talking directly to the owner may give you a better feel for the quality of the shop and what they are capable of. Make sure you discuss your insurance claim and the rules and regulations governing the repair. In addition get several different estimates in order to make sure you are getting the best value for the money. If, however, one of the estimates is extremely low, it may be a good idea to carefully look at that estimate and make sure that you will truly be getting good service from that body shop. While a low price is certainly desirable, it is a good idea, for instance, to ensure that the shop will be using genuine parts and that the work is guaranteed. After you have decided on a particular body shop, be sure to read the fi ne print carefully before signing any agreements. Ensure that the work is guaranteed and determine your rights in the event of a dispute. It is important to protect yourself in order to get the best possible results from your car repair. nSS

Winter Tire TipsFor the best traction in severe snow and icy conditions, use reinforced tire chains. Even if you drive with snow or all weather tires, keep a set of chains in your trunk. Keep the tire pressure at the recommended level. When you are stuck, some slight defl ating may help your traction by placing more tread on the surface road, however this will increase tire wear. If you do slightly defl ate tire pressure for traction, re-infl ate the tires to the recommended pressure as soon as possible. You can add extra weight in the trunk of a rear-wheel drive vehicle to help traction. If you add weight for traction, make sure the weight is stationary, otherwise the vehicle may be more prone to spin outs. Place the weight as close as possible to the drive wheels. Weight in the trunk of a front-wheel drive car is not necessary! Do not spin your tires, because this causes friction that turns snow into ice, which will causes your automobile to get stuck even further. nSS

vehicle may be more prone to spin outs. Place the weight as close as possible to the drive wheels. Weight in the trunk of a front-wheel drive car is not necessary! Do not spin your tires, because this causes friction that turns snow into ice, which will causes your automobile to get stuck even

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22 December 19 - January 22 • www.shoppingsense.biz

L iving through a volatile economic period can be stressful. But even during worrisome times, there are still many fi nancial matters that families can manage independently regardless of economic conditions.

Many people today are preoccupied with things they cannot control. It’s certainly natural to worry about such issues, but spending an inordinate amount of energy worrying undoubtedly leads to high levels of stress. Economic recessions do not have to be overly stressful. During challenging times, families are best served by focusing their efforts on the things they can directly infl uence. Savings and spending. Families can control the amount of money

they save each month. Clearly, the more savings, the easier it will be to weather events that can’t be controlled such as job loss, infl ation and

other unforeseen emergencies. In challenging times, families should consider pulling back on unnecessary expenditures and increasing

their savings rate. Spending goes hand-in-hand with savings. Simply put, the less you spend, the more you save. For some,

it may make sense to hold off on major expenses where possible and to limit luxury spending. The surplus from

these personal cuts will bring peace of mind. Investment Strategy. Everyone has the power to

decide where to put their money and the ability to develop an investment strategy that is in line with

long-term goals. There’s no better time than right now to revisit how much you’re investing and where the funds are going. A qualifi ed fi nancial adviser can help you determine the best course of action based on your risk tolerance. Planning for retirement. Saving for retirement remains important regardless of

economic conditions. And while dramatic swings in the markets will affect the balance

of your 401K, SEP and IRA plans, that shouldn’t change your contribution strategy. The sooner you begin contributing to these tax-advantaged plans, the more savings you’ll have down the road. While market conditions may limit the amount you’re able to contribute each month, continue contributing to your retirement fund. Gain control of your retirement plan now so you don’t have to worry about it as you age. Debt. We all have a degree of control over our debt, as well as our strategy for dealing with it. Now is not the time to incur additional debt, and if you have debt, now is the time to pay it off as quickly as possible. It will help to have the funds available for other expenditures and you’ll avoid any rate increases that might be lurking around the corner.

Financial advice for riding out the current recession

FINANCEFINANCE

Families Still Control Their Own Destiny

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Shopping Sense • December 19 - January 22 23

Credit. A strong credit score is critical for those seeking to obtain a loan at a favorable rate. Paying down debt, making bill payments in a timely fashion and removing incorrect information from credit reports can all help improve your score. If your family may be in need of a home or car loan in the not-too-distant future, take measures to improve your score before shopping for a loan. Mortgage. Homeowners with a mortgage certainly have options, even during a down real estate market where selling might not be the best of those options. Many are immersed in mortgages that are no longer affordable. Owners in this situation might consider trying to sell or perhaps rent their home. Mortgage holders should also explore re-fi nance options, particularly in situations where an adjustable rate mortgage makes them vulnerable to big swings in interest rates. And for those who are having trouble making payments, communicate with your lender and try to negotiate an alternate payment plan. Hiding from creditors is never the right option.

About Harris: Harris is an integrated fi nancial service organization providing more than one million personal, business and corporate clients with banking, lending, investing and wealth-management solutions. The organization is a member of the BMO Financial Group (NYSE, TSX: BMO), which also provides corporate and investment banking services in the U.S. under the BMO Capital Markets name. For more information, please visit http://www.bmocm.com or http://www.harrisbank.com. nSS

Fun Geography FactsT he world around us is a fascinating, intriguing and sometimes

oddball place. Take a look at these out-of-the-ordinary geography facts. How many do you know?

The Incan Empire of Ecuador and Peru was already fi ve hundred years old when the Spanish explorers came to the Andes in the 16th century. The Arctic is rich in plant and animal life. The Antarctic, however, is not. The only land animal observed there is a tiny, wingless mosquito.At the time the fi rst European settler came to North America from Spain, there were about fi ve million Native Americans living there. It takes a ship approximately 8 hours to pass through the numerous locks of the Panama Canal. At its highest, the canal is 85 feet above sea level. The coconut is important to the Pacifi c Islands. Its milk and meat are used for food, the fi ber is made into cord and the leaves are used for thatch. nSS

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24 December 19 - January 22 • www.shoppingsense.biz

Dressing Up Your Winter Wardrobe

Look hot this holiday season by trading in jeans and bulky sweaters for pretty dresses perfect for work or play

FASHIONFASHIONBy Kristie Leong

Pants may be comfortable, but sometimes it’s fun to get dressed up in something that shows

a little more leg. You’ll fi nd plenty of new ways to do just that with dresses for Winter 2008-2009. Dresses are as popular as ever for the upcoming season and will take center stage around holiday time. Here is one of the best winter clothing trend for dresses:

FLORAL PATTERNSAlthough fl orals may not come to mind when the temperatures drop and snow is on the ground, slipping on a vibrant fl oral may be just what you need to lift your spirits on a frosty winter day. This winter’s fl oral

prints are deep in color with a richness and texture not seen with lighter summer fl orals. Think deep purples, burgundies, and dark reds in heavier, textured fabrics. For contrast pair a fresh fl oral dress in deep berry shades with a faux leather jacket and a pair of matching knee-high boots for a casual look. Then dress up the same fl oral for work with a pair of opaque hose or tights and heels. Be sure to add one fl oral dress to your wardrobe this winter. You’ll quickly discover how fun and versatile it can be.

PURPLEIf you choose one color to give your wardrobe a lift, make it purple. Purple in all of its incarnations is one of the hottest colors for this winter. It is universally fl attering, and from eggplant to lavender, there’s sure to

Wear Tweed Don’t be so quick to dismiss tweed as prim and proper. The reality is tweed clothes can be modern and sexy if you know how to wear them with style. It’s a fabric that can go almost anywhere from a meeting with the boss to a dinner at your favorite Italian restaurant. Keep it simple for the most conservative offi ce environment and dress is up for a night on the town. Women’s tweed is a look you defi nitely want to wear this year. Need some inspiration? Here’s how to wear women’s tweed.

Wear it as a jacket.Maybe a tweed blazer is too conservative for you but what about a tweed bomber jacket? Play it up with a pair of pencil slim pants and a pair of this year’s hottest accessory, riding boots to create a fall look that’s sure to bring compliments. Wear your tweed bomber jacket open to reveal a soft sweater or silk blouse or button it up for an ultra chic, slightly biker girl look. Look for tweed jackets that have distinctive

details such as piping or unusual buttons to keep the look hip and contemporary. You’ll never think of tweed clothes the same again.

What about a tweed skirt?If you think librarian when you picture a tweed skirt, it’s time to reconsider. To avoid a matronly look, choose a tweed skirt with a modern, sexy cut. Try a short, fl irty tweed such as an above the knee ballerina skirt paired with black tights and matching, low heeled pumps or a shorter tweed pencil thin skirt with heels and tights. Stay away from formless, unconstructed tweed skirts since they can make you look older. Think fresh and fun!

Pair tweed clothes with something ultra-feminineDon’t overdo tweed by wearing it on two parts of your body simultaneously. Instead pair a tweed skirt or pair of pants with something softly feminine such as a luscious silk blouse or a

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Shopping Sense • December 19 - January 22 25

Fashion Model Beauty Secrets

T hey always look so polished and perfect as they prance down the catwalk. Of course, they have the best makeup artists, photographers and beauty consultants in the world. We’re not

all privy to such expertise, but there are some beauty tips we can glean from the fashion models of the world. Here are a few beauty tips fashion models use to maintain their competitive edge: Give your skin a fresh glow. Give your skin a fresh, youthful glow by exfoliating gently with a facial buffi ng pad. This is a beauty tip used by many fashion models before they go onto the runway. Makeup goes on much smoother when the dead skin cells have been removed and new, fresh skin has been exposed. Just be sure to use gentle buffi ng action, otherwise you could abrade the skin surface. Avoid exfoliating around the eye region. Make your eyes look bigger. Tyra Banks reveals that one of the best ways to make your eyes appear larger is to use a white eyeliner to open up the eyes. Another supermodel beauty tip for making your eyes appear larger is to curl your eyelashes using an eyelash curler. Heidi Klum is a big proponent of this technique. Keep your skin moist and glowing. Cindy Crawford uses an equal part mixture of milk and water in a spritzer bottle to keep her skin moisturized and glowing throughout the day. What to do with a pimple. Here are two fashion model beauty tips for dealing with pimples. One trick used by fashion models is to apply a dab of toothpaste to the pimple to help them heal more quickly. If you don’t have time to wait for healing, some fashion models actually use a eye pencil or liner to darken the blemish and transform it into a beauty mark in the fashion of Cindy Crawford. As you can see, the fashion models who can afford the best often use very simple beauty tips and remedies to bring their best face forward. Why not give these beauty tips a try? nSS

Beauty tips from fashion models that you can use

BEAUTY

be a shade that makes you shine! Purple is the color of royalty and that’s what you’ll feel like when you slip on this regal hue. Experiment and fi nd the shade that’s right for you.

THE STRAPLESS DRESSA strapless dress may not sound like the most practical option for winter wear, but with a few modifi cations, it can go from evening to the offi ce with ease. Buy one in basic black, navy blue, or purple. Wear it to your holiday parties with strappy heels and glitzy jewelry, then tone it down for work by covering it with a fi tted blazer or cozy belted cardigan. This little classic can quickly become a staple in your wardrobe.

THE ONE-SHOULDER DRESSJust in time for the holiday season comes the one-shoulder dress. You won’t resemble Wilma or Betty from the Flintstones when you slip on this year’s elegant little numbers in luscious, soft fabrics. They’re subtly sexy without being too revealing and are the perfect choice for upcoming holiday parties. Worn with heels and accessorized with a clutch, they make a sexy yet elegant statement. Consider purchasing one in dove gray, cream, classic black, or one of the rich berry shades for evening.

EMBELLISHED DRESSESDresses for holiday eveningwear will have extra touches of glitz this year. Popular embellishments include sequins, beads, faux fur, and lace. You’ll see dresses accented with lace sleeves and necklines creating a soft, sexy feminine look. These dresses are best worn with simple accessories and shoes to avoid looking overdone. Dresses for winter 2009 provide a unique opportunity to showcase your femininity in a range of styles, textures, and colors. Enjoy experimenting with all the season has to offer. nSS

beautiful cashmere sweater. The slightly masculine tones of the tweed will contrast beautifully with the feminine tones of the top. Forget the two piece tweed suit that’s been so overplayed and think in terms of creative contrasts.

Add just a touch of tweed with accessoriesTweed clothes aren’t the only way to wear this trend. Slip

on a pair of high heeled sling back shoes in tweed to transform your pencil thin skirts and pants into fashion

statements. Carry a tweed clutch purse or tote bag or invest in a tweed fedora for fall. Tweed

accessories can add a bit of stylish detailing to a monochromatic outfi t and take it from elegant

to fabulous. Tweed clothes are sure to be a hit

as the weather turns cooler. Find out how versatile and stylish tweed can

be on you! nSS

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26 December 19 - January 22 • www.shoppingsense.biz

B uying holiday gifts can often be a challenge. We all want to give gifts that are unique and meaningful. What, though, do you buy for the person who has everything? Do you really want to get a

sweater for your mom that you know she will take back the day after Christmas? Or another gift card to ACE Hardware for your uncle? This year, it’s time to try something different. This year, give the gift of giving to those you care about. Frank Callahan is the Founder and President of The Gift of Giving, a nonprofi t established to help you give others the chance to give. Frank left a successful career in sales to dedicate himself full time to The Gift of Giving. His wife, Jennifer, is heavily involved with the Denver Children’s

Hospital and raising their two children. Frank and Jen hope for the company to become self-suffi cient in covering its own operating costs with a small $4.95 transaction fee deducted from each. Recently, Frank launched his new Web site to make this possible. Do you have someone in mind who would appreciate a charitable gift card? Just go online to www.thegiftofgiving.com and pick the amount and the method of delivery. Gift cards can come through email or in the mail wrapped in stylish gift packaging. Once they receive the gift card, your recipient is directed back to The Gift of Giving Web site to pick from over 100 unique and compelling charities. The money on the gift card will then be donated to that charity. With The Gift of

The Gift of Giving

HOLIDAYBy Jeanne Fischer

G ive someone the opportunity to donate to a charity of their choice. Below is a small selection of charities available to pick from on The Gift of Giving Website.

Access FundThe Access Fund is the national advocacy organization that keeps U.S. climbing areas open and conserves the climbing environment. Founded in 1991, the Access Fund supports and represents over 1.6 million climbers nationwide in all forms of climbing; rock climbing, ice climbing, mountaineering, and bouldering.Alex’s Lemonade Stand FoundationAlex’s Lemonade Stand Foundation is a unique foundation that has evolved from a young cancer patient’s front yard lemonade stand to a nationwide fundraising movement for childhood cancer.Big Brothers/ Big Sisters The Big Brothers Big Sisters Mission is to help children reach their potential through professionally supported, one-to-one relationships with mentors that have a measurable impact on youth.Canine Companions for IndependenceThe most advanced technology capable of transforming the lives of people with disabilities has a cold nose and a warm heart.Canine Companions for Independence® provides highly-trained assistance dogs for children and adults with disabilities, free of charge.Give Kids The World VillageGive Kids The World Village is a non-profi t organization that exists soley to fulfi ll the wishes of all children with life-threatening illnesses and their families from around the world to experience a memorable, joyful, cost-free visit to the Central Florida attractions, and to enjoy the magic of Give Kids The World Village for as long as there is a need.

Habitat for Humanity Habitat for Humanity International is a nonprofi t, ecumenical Christian housing ministry. HFHI seeks to eliminate poverty housing and homelessness from the world, and to make decent shelter a matter of conscience and action. Habitat invites people of all backgrounds, races and religions to build houses together in partnership with families in need. National Fallen Fire� ghters FoundationCongress created the National Fallen Firefi ghters Foundation to lead a nationwide effort to honor America’s fallen fi refi ghters. Since 1992, the non-profi t Foundation has developed and expanded programs that fulfi ll that mandate. Our mission is to honor and remember America’s fallen fi re heroes and to provide resources to assist their survivors in rebuilding their lives.Teach for America At Teach For America, we are working with a great sense of urgency to build the movement to eliminate educational inequity by enlisting our nation’s most promising future leaders in the effort. We recruit aggressively to attract outstanding recent college graduates of all majors and career interests to commit two years to teach in urban and rural public schools, and we invest in the training and professional development necessary to ensure their success as teachers in our highest-poverty communities. Our teachers go above and beyond traditional expectations to lead their students to signifi cant academic achievement and toward overcoming the challenges of poverty Water Partners International WaterPartners International is a U.S.-based nonprofi t organization committed to providing safe drinking water and sanitation to people in developing countries. Working in partnership with donors and local communities, we have helped thousands of people develop accessible, sustainable, community-level water supplies. WaterPartners not only offers traditional, grant-funded programs, but is also harnessing the power of micro-fi nance to address the world water crisis.

This year, give the gift of giving to those you care about.

HOLIDAYBy Jeanne Fischer

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Shopping Sense • December 19 - January 22 27

Giving’s new Web site, this process is easy to do. “There are three simple steps,” Frank explains. “You choose someone you want to give a gift to, go online and pick an amount and form of gift presentation, and then your gift recipient redeems the gift card by choosing a charity to receive the donation.” Additionally, the option is available to have the gift card sent electronically. Your gift recipient would receive it via email similar to an e-card, except the Gift of Giving e-card is worth money. Just like the physical gift card, the email directs the recipient to www.thegiftofgiving.com where they can pick a charity to donate the money to. Read descriptions of a handful of the featured charities in the sidebar, and visit the Web site for more information. The intent of the company is to increase awareness of charities as well as personalize the giving experience by allowing the recipient to pick his or her favorite cause and elevate the experience from the usual “a gift was made in your honor” letter. Frank likes to relate the event that started it all. Instead of buying a traditional gift for his father-in-law about five years ago, Frank and Jen decided to donate to The World War II Memorial Fund in his father-in-law’s name. This charity was close to his heart and really made an impression. “The gift hit the mark,” Frank says. “And I began thinking about starting an organization based on charitable giving with increasing

clarity from that day forward.” Thus, The Gift of Giving Company was founded. “Not only is the gift card a universally appropriate yet individualized present, it is a practical purchase,” Frank adds. Loved ones will always appreciate a gift that allows them to make a difference in the lives of others. It is meaningful and inspiring. And, it’s tax deductible. The Gift of Giving gift recipients can open this gift just as you would a traditionally wrapped DVD, sweater or bathrobe. However, a gift from The Gift of Giving has much more impact. It is inspirational, unique and charitable. Most importantly, it is a gift that truly makes a difference in the lives of those who need it. Whenever you need to give a gift, whether it’s Christmas, a birthday, or a thank you for a job well done, consider giving the gift of giving. The gift that you give to one person can benefit thousands. Maybe if you give a gift card to a loved one, they will be inspired to give a gift card as well, and the ripple effect will help to recapture the spirit of Christmas and true meaning of giving all year round. nSS

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28 December 19 - January 22 • www.shoppingsense.biz

Before You Put That On: 365 Daily Style Tips for Her written and illustrated by Lloyd Boston, NBC Today Show Contributor, is a book offering style advice for every day of the year. Garment

selection, use of accessories, and tailoring tricks are covered in this 363 page book that is simply phenomenal.

While there are many style and fashion books out there, this one is written by a regular on E!

Entertainment’s Style Network. Lloyd Boston is a former Vice President of Art Direction at Tommy Hilfi ger and is a current on-air fashion editor for The Today Show. His mantra is “Nothing makes me happier than helping real

people look their best.” This coffee-table size book

published by Atria Books is chock-full of relevant style information for women of “all shapes, sizes and lifestyles.” Not only will this book

help you look good for that special date or job interview, it will make you look and feel good whenever

you walk out the door. Because this is such a dense source of fashion information, I won’t give too much away by discussing some of my favorite tips covered in Boston’s book. When he discusses

essential garments, he says a woman can never own too many

“crisp white shirts.” Since they are versatile for day and

evening when paired with the right pants or suit, they are a must in the closet.I also like Boston’s shoe

inventory. He outlines the basic shoes every woman needs to fi t his standard: fi t, fl attery and timelessness. From nude-colored high heels to peep-toe pumps, he emphasizes getting the best you can afford for the overall best effect. He also defi nes methods of protecting your shoes with rubber soles and cedar shoe trees. I absolutely love his recommendation of black satin ballerina fl ats. Sometimes Boston uses examples from history to illustrate his fashion points that makes sense as styles sometimes moves in cycles. He seems always to opt for classic beauty rather than cutting edge style techniques that make his historical references even more pertinent to his tips. He says pair a chocolate brown skirt with a classic pink top for a sweet retro look. Among all the advice in this book here a just a few of the areas he covers: using wooden hangers, choosing your colors, buying bras, investing in duplicates, geometic and Asian prints, beauty regimens, trench coats, dressing for outdoor events, undergarments, featuring your “décolletage,” regional style habits, vintage clothing, advice from top designers, layering clothes, denim skirts, fashion etiquette, seasonal shopping, tattoos, white jeans and so, so much more. There is so much here that is useful for women that you may not need any other style book for the entire year. There is lots of fun here as well as lots of practical advice. I highly recommend this book to any woman who cares about style and fashion. nSS

FASHIONFASHIONBy J. A. Young

Not only will this book help women look good for that special date or job interview, it will make you look and feel good whenever you walk out the door.

Fashion and Style Tips for Women

Page 29: Shopping Sense, 12-19-2008, Central North Zone

Shopping Sense • December 19 - January 22 29

1. What was the fi rst man made object to leave the solar system?

Pioneer 10Pioneer 11Voyager 6Apollo 11

2. What fraction of the Earth do oceans cover?

Three-FourthsTwo-ThirdsOne-FourthOne-Half

3. Absolute Zero temperature is?32 F.-459.69 Degrees F.212 Degrees F.0 Degrees F.

4. How many inches of snow equals one inch of water?

46710

5. How much did U.S. spending on healthcare increase to in 1987?

$500 Million$200 Billion$700 Million$500 Billion

6. In what year did FM receivers become available?

1902193919691989

7. |What does “Mesopotamia” mean in Greek?

The Land Of Hanging GardensThe Land Where Time BeganThe Land Of The HammurabiThe Land Between The Rivers

8. Which U.S. state is also known as the Mountain State?

TennesseeWest VirginiaVermontColorado

9. Which U.S. state has the largest wild pig population?

New YorkTexasHawaiiFlorida

10. What German pilot fl ew 2530 “sorties” during WWII?

Werner BaumbachWerner Molders Hans Ulrich RudelWilhelm Botz

11. In what year was the escalator fi rst used?

1954198517621891

12. Who wrote “injustice anywhere is a threat to justice everywhere”?

Malcolm XMartin Luther King, Jr.Jesse JacksonHarry Truman

13. What was the most popular food sold by Union sutlers in the U.S. Civil War?

Molasses CookiesSugarCoffeeChocolate Bars

14. Where was Jefferson Davis captured by Union troops?

Irwinville, GARichmond, VA Appomattox, VA Durham, NC

15. Who was the United States President during the war of 1812?

Andrew JacksonThomas JeffersonJames MonroeJames Madison

16. Which city has streets in its downtown area named Pacifi c, Pender, Nelson and Dunsmuir?

Cairns, Australia Nelson, New ZealandVancouver, CanadaSan Jose, USA

17. Ancient Roman aqueducts brought water to Rome from how far away?

100 Miles26 Miles5 Miles57 Miles

18. How many atomic tests did Pakistan conduct in 1998, in response to India’s atomic tests?

ThreeTwoFive Seven

19. Which spacecraft became the fi rst to orbit an asteroid on February 24, 2000?

DiscoveryExplorerNEARColumbia

20. Which condition did Julius Caesar and Alexander the Great have?

NarcolepsyDeafnessBlindnessEpilepsy

21. What was the fi rst wild card team to win the Super Bowl?

49ersGiantsRaidersDolphins

22. Who was Major League Baseball’s fi rst “$100 million man”?

Mike PiazzaNolan RyanKevin BrownBarry Bonds

23. What animated movie is Princess Bala from?

The Little MermaidAntzMadagascarShrek

24. Which band wanted you to “Bang Your Head”?

Judas PriestScorpionsQuiet RiotMotley Crue

25. What band featured the cast of “Happy Days” in one of their videos?

SoundgardenWeezerFoo FightersNirvana

26. Which talk show host encouraged Bill Clinton to play the saxophone?

Oprah WinfreyArsenio HallJerry SpringerLarry King

27. What famous artist worked in a loft called “The Factory”?

Stephen BasquaitSalvador DaliAndy WarholVincent Van Gogh

28. What online company did David Filo and Jerry Yang create in 1994?

AmazonAOLGoogleYahoo

29. What does Rachael Ray call sandwiches?

SammiesSamwichesGrindersHoagies

30. In the game “Battleship”, how many ships does each player have to start the game?

1258

31. What famous game was created in 1934 by Charles B. Darrow?

The Game Of LifeSorry!MonopolyConnect Four

32. What happens to a goldfi sh when its kept in the dark?

It SleepsIt Goes BlindIt Turns WhiteIt Dies

33. Which Dean Koontz book features a dog who communicates using a computer?

Mr. MurderPhantomsWatchersIntensity

Answers on www.shoppingsense.biz

TRIVIATRIVIA

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30 December 19 - January 22 • www.shoppingsense.biz

DollarSTRETCHING TIPS

Protecting Car MatsLiving in the cold and snowy north, our car mats get full of sand, salt, slush and grime in the winter. I started putting old towels over our car mats in the winter to protect them. I wash the towels every month or so until spring arrives. Our 16-year-old Dodge Spirit has its original car mats that look like new! —Brenda

Remember to PretreatRecently, I came upon the idea to put any clothing with stains that need pretreating on a hanger before putting it in the clothes hamper. When I do laundry, it reminds me to check that item and pretreat before washing, which saves me from accidentally forgetting and ruining clothing. —Kristi

Chapped Lips?I had been using the brand-name lip protectors to heal my chapped lips during the latest bout of cold weather. Somehow the brand I used kept irritating my lips. In desperation, I tried plain old Vaseline petroleum jelly, and it worked great. It’s not very portable, but on the plus side, you only need a tiny bit. Plus, it’s so much cheaper than “stick” lip protectors.—Jan

Cleaning Stainless SteelAfter you have taken all the dirt and grime off of any stainless steel surface, spray WD-40 on a soft cloth and rub it in the direction of the grain if it is visible. Use another cloth, soap, and water to remove any excess oil left behind. I use this on my grill. It is four years old but it looks brand new.—Lawrence

The 5-Minute DryerInstead of drying a whole dryer full of clothes, I put the load in for fi ve minutes. After fi ve minutes, I take the clothes out and hang them either on hangers or a drying rack. This saves money on electricity. This is plenty of time to take the wrinkles out, so I’m not spending time ironing, either. I add a touch of fabric softener to the washing machine to keep the clothes soft. —Lucia

Check the Book!I found the answer to all of my kids’ questions, whether they are about tomorrow’s lunch or what time their friend’s birthday party starts. We have a three-ring notebook with plastic page covers. School calendars, sports schedules, event fl yers and invitations are posted in the notebook. The kids can go to the notebook to fi nd the answer to all of their questions and my refrigerator is clear of all the notes. —Jayne

Cutting Meat BudgetI have started buying the ground chuck because it’s so much cheaper. I then divide it into half pound portions and freeze them. By using half the amount of meat in every dish I cook and increasing either the grains or veggies, my recipes taste just as good and I spend less per serving.—Melissa B.

The Cost of TrashWith the high fuel costs and dump fees increasing, our quarterly trash bill was $65 and rising. I discovered that our local waste removal offi ce offered special trash bags for $2 each, which would allow us to dump at their location for the cost of the bag. We have automatic recycling in our county, which we weren’t utilizing. We began diligently recycling according to our county’s requirements, and with all that trash out of the way, we only have one bag of non-recyclable trash. I drive by the waste removal offi ce at least once a week so I just drop off the bag. No extra gas money has to be used and our trash bill is now $2 per week, which is a great savings on a tight budget.—Theresa

Deodorizing Plastic Food ContainersI used to collect plastic deli-style pickle jugs from restaurants, and they always smelled like whatever pickle was in them, even after bleach and

several trips through the dishwasher. I discovered that soaking them overnight in a 70/30 mix of water to vinegar worked for me. If they still

smelled objectionable, I dusted the insides with baking soda after trying the vinegar trick. I put about a cup of baking soda in

each one, put the lid on it, and rotated it around so the baking soda reached all surfaces

and sides. —W.

Fire StartersMy dad was out of work for over a year and we had to come up with ways to use what we already had. At a camping trip, a friend told him about saving dryer lint to start campfi res—this also works in fi replaces. I now save the empty toilet paper rolls and keep them in a decorative container above the dryer. After each load, I empty the lint trap and place the lint right in the roll. When it’s fi lled, the roll is placed in a bin on the hearth ready to light the next fi re. We also collect paper mail envelopes and extra portions of bills that we don’t need to keep. We have a cute basket by the fi replace to save it from looking like clutter. It’s amazing how much accumulates and would ordinarily be wasted. We crumple the paper up and throw it in the fi replace. —Amy

SHOPPINGSHOPPING

Want to live better on the money you already make? Visit TheDollarStretcher.com to fi nd hundreds of articles to help you stretch your day and your dollar

Copyright 2008 Dollar Stretcher, Inc.

Page 31: Shopping Sense, 12-19-2008, Central North Zone

Shopping Sense • December 19 - January 22 31

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