1November 16, 2014

Avoiding the Christmas Credit CrunchHow to effectively manage credit this holiday season

Page-turning PresentsGreat gifts for people who love to read

GiftCards 101How to give holiday gift cards

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Sunday, November 16, 2014 • 2 gainesvilletimes comThe Times, Gainesville, Georgia |

Effectively manage your credit this holiday season

How to establish gift spending limits

Things to consider before buying this holiday season

2014 holiday toy predictions

Great gifts for people who love to read

How to save on high-tech gifts

Gifts to keep kids engaged

Gift ideas for the special seniors in your life

How to give holiday gift cards

Eco-friendly gift ideas for ‘green’ giving

Steps to take before giving pets as gifts

Give the gift of indulgence this holiday season

Did you know – Tickle Me Elmo

How to help new parents make the holidays special

Emphasize safety when buying gifts for children

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15Did you know?The holiday season

generates a lot of waste, and many things contribute

to this excess of trash this time of year. Thousands of paper and plastic shopping bags end up in landfills after the holiday season. Reusable cloth bags can limit the amount of bags tossed away, and users of plastic bags can recycle those bags at appropriate receptacles.Four million tons of waste is attributed to shopping bags and wrapping paper. Recycling paper or looking for reusable items in which to wrap gifts can cut down on paper waste.Approximately 33 million live trees are cut down and sold in North

America each year for Christmas. If you use a live tree, be sure to recycle it so it can be turned into mulch instead of being sent to a landfill. Otherwise, consider buying a potted tree and planting it after the holidays.Nearly 2.65 billion Christmas cards are sold and exchanged each year in the United States alone. This many cards can fill a football field 10 stories high. One less card sent per person can save roughly 50,000 cubic yards of paper. Electronic greetings are another way to save paper.If everyone in Canada wrapped just three gifts in reused paper or gift bags, it would save enough paper to cover 45,000 hockey rinks.

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• Sunday, November 16, 2014 3gainesvilletimes comThe Times, Gainesville, Georgia |

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Sunday, November 16, 2014 • 4 gainesvilletimes comThe Times, Gainesville, Georgia |

Spending is synonymous with the holiday season. According to the U.S. Census Monthly Retail Trade

Survey, spending rose throughout the holiday season in 2013, when consumers spent more than $300 billion in the month of December alone.If spending and the holiday season go hand-in-hand, so, too, does January and the financial hangover that results from having spent so much in November and December. Many consumers find themselves in considerable debt come the new year, having decided to put many of their holiday purchases on plastic when the season was in full swing. But just because the holidays are a season of spending does not mean the first months of the new year need to be an exercise in extricating yourself from debt. The following are a few ways shoppers can effectively manage their credit this holiday season.

Don’t use credit just to earn bonuses. One way to fall into significant debt is to justify your use of credit cards as a great way to earn miles, points or cash-back bonuses. While such rewards can be appealing, if you’re afraid that you will overspend this holiday season if you

put everything on plastic, then don’t do so just so you can earn bonuses. Credit cards should only be used when you have enough money to pay off a balance in its entirety before you incur any interest charges. Those rewards might be tempting, but they’re not as valuable if you overspend and end up paying substantial interest charges.

Avoid retailer credit cards. Retailer credit cards also entice shoppers with deals. When purchasing items in-store, customers often are asked if they would like to earn a percentage off of their purchase by signing up for a retailer credit card. Such discounts may fall anywhere between 10 and 20 percent, a deal that many men and women may find too tempting to resist. However, retailer credit cards often come with much higher interest rates than standard credit cards. Unless you know you can pay off the balance immediately, decline the offer to sign up for a retailer credit card, opting instead to pay for your items with cash or a preexisting card that carries a much lower interest rate.

Use only one card. Using multiple cards when making holiday purchases is a great way to lose track of how much you have spent. Even though the Internet makes

Effectively manage your credit this holiday season

it easy to check balances on all of your cards multiple times per day, managing credit is still easier if you only need to log in to a single account to monitor your holiday spending. Make a daily effort to monitor that spending, as it’s free to view your balance online and such monitoring can greatly reduce the likelihood that you will overspend.

Don’t exceed your credit limit. One of the biggest yet most preventable mistakes consumers make come the holiday season is exceeding their credit limits. Exceeding your credit limit not only means you will have a rough month of January when the bills come due, but such a mistake also has a more long-term effect, as your credit score suffers anytime you exceed your limit.

Know your interest rates. Though it’s

best to only use a credit card when you know you can repay the balance in full when the bill arrives, some consumers simply must carry a balance. In such instances, know the interest rate held by a particular card before you swipe that card to make a purchase. Some cards hold variable interest rates, which means the interest charged back in June may be far lower than the interest you will be charged in January. Before using any of your credit cards, determine which one holds the lowest interest rate and use that one when making holiday purchases.Though spending might be synonymous with the holiday season, consumers need not accept credit card debt as a harsh reality of January. Taking steps to manage credit effectively when holiday shopping can make January a more enjoyable time of year.

• Sunday, November 16, 2014 5gainesvilletimes comThe Times, Gainesville, Georgia |

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How to establish gift spending limits

As the cost of living continues to rise, holiday shopping also has become much more expensive in recent

years, and it can be easy for shoppers to overextend themselves financially come the holiday season.According to a recent Gallup poll, the average American plans to spend around $790 per holiday season, although many go above and beyond that amount. Starting off the new year in debt is a recipe for stress, which can have negative repercussions for the rest of the year.In addition to overspending during the holiday season, many people stretch themselves thin on Valentine’s Day, birthdays, and Mother’s Day and Father’s Day. One way to make shopping more manageable is to establish spending limits that dictate how much each family member can spend on each gift he or she buys.It is important to exercise tact when approaching the subject of gift limits. Discuss the topic with friends and family members with whom you usually exchange gifts long before the holiday season. Agree on a reasonable amount of money each person will spend on gifts.

If necessary, ask everyone to write down a figure and then determine the average, using that figure as your spending limit. Establishing a spending limit makes it easier for every family to afford their holiday purchases. If there are six people on your shopping list and you’re spending $50 per person, you know to allocate $300 for gifts. Saving and budgeting can be adjusted accordingly.When no such limit is established, you may go overboard to compensate, even if you cannot afford to do so.Another way to save money is to suggest giving the gift of experiences rather than tangible and potentially costly gifts. For example, take a loved one out for dinner or suggest going on vacation together to make better use of your collective funds. A well-timed extended family vacation in lieu of gift exchanges may alleviate the stress of the holiday season, much of which can be traced to holiday spending.Establishing a gift-giving strategy and budget for each person to work with can make for a more peaceful holiday season by freeing up time to spend with loved ones and placing the focus on family instead of shopping.

Holiday spending limits can help individuals avoid overspending come the holiday season.

Sunday, November 16, 2014 • 6 gainesvilletimes comThe Times, Gainesville, Georgia |

Few holiday shoppers can resist a great deal. Whether it’s heavily discounted merchandise on Black

Friday or last-minute sales for shoppers who procrastinate, there are deals to be had from the start of the holiday season until its unofficial end sometime around New Year’s Day.But not all deals are what they seem. Many a shopper has swiped their card on a gift for a loved one only to find out later they overspent or didn’t read the fine print and subjected themselves or their friends and family members to potentially costly fees. The following are a handful of things shoppers should consider before making any purchases this holiday season.

Restocking feesAs thoughtful as holiday gifts may be, many are ultimately returned. Recipients may already have similar items at home or find a particular gift does not suit their personal styles. Because returns are so common, shoppers should read the fine print before buying gifts to ensure their purchases are not subject to restocking fees if they must be returned. Restocking fees can apply to any product, but they are most often applied to electronics. A restocking fee is a charge the person returning the gift must repay upon bringing the gift back to the store or mailing it back to the warehouse. Restocking fees often apply to items that are not returned in their original factory-sealed box, and these fees can be exorbitant, sometimes as much as 20 percent of the cost of the product. So before buying that big-ticket television or appliance, holiday shoppers should ensure the item’s recipient will not be subject to a considerable fee if he or she decides to return the gift.

Extended warrantiesMany items come with manufacturer warranties that cover damaged items for a predetermined period of time. But many shoppers want to go the extra mile and buy extended warranties that protect the products for longer periods of time. While that’s good in theory, studies from Consumer Reports have shown that products rarely break within the time period covered by extended warranties, meaning shoppers are simply buying a false sense of security they’re unlikely to ever use. When considering an extended warranty, first research the product you want to buy by reading customer reviews of the product on popular sites such as Amazon.com. Such sites can offer valuable insight with regard to how reliable products are. If multiple reviewers note that a given product has never given them a reason to reconsider their purchase, then you likely don’t need an extended warranty. If you still want the extra protection, read the fine print of the extended warranty so you know just what it does and does not cover.

Return policiesBecause so many gifts are returned once the holidays have come and gone, it’s important to understand a retailer’s return policy before buying a gift for a friend or family member. In-store purchases may be subject to different return policies than items bought online, which may need to be returned via the mail, a potentially costly expense for the gift’s recipient depending on the size of the gift. Try to shop only at stores with flexible, consumer-friendly return policies so your friend or family member does not have to jump through hoops just to return the gift.Resisting a holiday deal can be difficult. But shoppers should first read the fine print before making any purchases so they can rest easy knowing they made the best decision possible.

Things to consider before buying this holiday season

• Sunday, November 16, 2014 7gainesvilletimes comThe Times, Gainesville, Georgia |

Parents often find themselves waiting in long lines to snag the hottest toys for children’s holiday gifts. Shoppers arrive at retail stores in

droves to grab the newest video game consoles or must-have dolls or action figures.From Cabbage Patch Dolls of the 1980s to the Elmo craze of the 1990s, every generation seems to have its own “must-have” holiday gift. This year, holiday shoppers may want to start shopping early if they hope to land any of the following items that figure to be this year’s hot toys.

“Frozen”-themed toys: Mega-retailer Walmart predicts that toys inspired by the smash hit film “Frozen” will continue to be hot commodities this holiday season. To meet demand, the retailer already is stocking up on the popular characters and other products banking on the popularity of the film. If the special girl in your life is still enamored with all things “Frozen,” it’s a smart bet to start your holiday buying early this year.

“Hunger Games” athletic items: Fans of the “Hunger Games” trilogy, be it the books, movies or both, are familiar with lead character Katniss’ prowess with a bow and arrow. Bows inspired by the movie are in demand and will appeal to both girls and boys testing their archery skills.

Beats by Dr. Dre: Music-lovers still consider these headphones must-have items. They’re especially prevalent among the teen market. Available in a variety of colors, users can coordinate their Beats headphones with their clothing or accessories.

Lego Minecraft: It was only a matter of time before Lego got in on the action of one of the hottest games to sweep the Internet and video game console world. Minecraft is a digital building game that has enthralled gamers of all ages. Now Minecraft enthusiasts can recreate on-screen worlds in tangible Lego versions.

Xeno: Xeno is a “friend-toy” that is neither robot nor doll, but an interactive pet. Made from nontoxic elastic material and including eight sensors, the creature is a moving, reacting companion. Xeno even can dance to music. And parents will love that Xeno does not need to be taken for walks.

Teenage Mutant Ninja Turtles: On the heels of summer blockbuster inspired by these gifted turtles, fans of the weapon-swinging shelled warriors will certainly want to surround themselves with all things turtle, so expect to see plenty of movie-inspired gifts on store shelves this season.The holiday season is on the horizon, and it’s never too early to begin shopping for the toys and games experts predict will be this year’s must-have items.

holiday toy predictions

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Sunday, November 16, 2014 • 8 gainesvilletimes comThe Times, Gainesville, Georgia |

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Many people love to read, and such people do not often cause headaches for holiday shoppers.

Readers typically are easy to shop for come the holiday season, when shoppers stuck on what to get a friend or family member can always fall back on a book or two if they know their loved one likes to get lost in a good book.But books aren’t the only gifts shoppers can give the readers on their lists this holiday season. The following are a few gift ideas no book lover can balk at.

E-reader: Before buying an e-reader, shoppers may want to first learn where the intended recipient of this thoughtful gift stands on the book versus e-reader debate. Some book lovers feel a sentimental attachment to traditional books, while others love the versatility of

e-readers, many of which serve as tablets that allow users to peruse the Internet, play games and, of course, read books. If your friend or family member does not have an aversion to e-readers, then this might make the ideal gift. The price of e-readers varies depending on their capabilities, but you can expect to spend anywhere from $50 to several hundred dollars depending on which model you ultimately choose.

Storage: For those readers who prefer traditional books, a new bookshelf can help them store their favorite titles. Books take up a lot of space, and avid readers tend to buy many new books each year, so homeowners and apartment dwellers alike will no doubt appreciate the extra

space to store their collections. But even e-reader enthusiasts may find their storage filling up faster than they might have liked. To remedy that problem, holiday shoppers can buy a Wi-Drive with ample extra storage space so readers who keep both books and movies on their e-readers and tablets have plenty of extra space to store all of those new books they plan to read in the coming year.

Decorative bookends: Those who have a passion for books and home décor might appreciate a unique set of handcrafted bookends to store the books they keep on their desks or those they keep out as decorative accents that guests can enjoy when visiting. Such gifts will please your friends or family members who have a flare for interior decorating while also appealing to their love of literature.

Book club membership: A membership to a Book of the Month Club may be right up the alleys of those readers who read too fast to join a local reading group or simply don’t have the time to devote to a community book club. Such memberships often sell classic titles and the latest bestsellers at a fraction of the

cost of the publisher-established prices, and members typically can order as many books as they would like. This can be a great way for readers to find new titles and keep the books coming in without breaking the bank.Avid readers are passionate about their books, and holiday shoppers can feed those passions by giving their favorite readers gifts that indulge their love of literature this holiday season.

• Sunday, November 16, 2014 9gainesvilletimes comThe Times, Gainesville, Georgia |

Store aisles are filled this time of year with every must-have gift retailers can advertise. Children often

plead and beg for the hottest toys weeks ahead of the holidays, hoping to find their requests wrapped up come the big day.But once the gift wrap is torn away and kids have played with their presents for a day, some already grow bored with their new belongings and cast them aside. Certain toys are not engaging enough to warrant extended periods of play — no matter what the advertisements boast.No gift-giver wants to spend money on a present only to have it collecting dust days later. With that said, employing these strategies can help anyone select a gift that will continue to inspire and excite children long after the holiday season has come and gone.

Don’t believe the hype. It’s easy to fall hook, line and sinker for ultra-popular trendy gifts. While such gifts may have popular appeal, that does not mean they’re a perfect fit for your child. When shopping for youngsters come the holiday season, choose a gift because your child will truly enjoy it and not because it’s the trendy item of the year.

Focus on the play factor. Too often shoppers get caught up in toys’ appearances. Instead, think about how

the toys will work with imaginative play. The more a child can envision himself doing with a particular toy, the more likely he or she will exhibit a continued interest in that toy.

Look for minimal bells and whistles. Kids often find toys that leave more room for imagination more interesting than toys that are loaded with gadgets. Children prefer to make up their own stories and create modes of play that are more about what they like rather than the “right” way to play or win.

Choose gifts that grow. Shoppers want to select gifts that are age-appropriate for children so they will be safe during play time. But shoppers also should look for toys and activities that can be modified and grow with the child as he or she ages. A game that gets progressively harder through levels or a toy set that can be supplemented as kids grow older may make good gifts. Musical instruments also can grow with a child, as the instruments become easier to master with practice.

Figure out the child’s interests. Toys that cater specifically to a child’s interests will be the most warmly received. It may take going the extra mile to find a gift that matches a child’s interest rather than picking up the first trendy gift you see, but the results will be well worth it.

Gifts to keep kids engaged

Gadgets are among the most popular gifts come the holiday season. In 2013, CreditDonkey.

com surveyed shoppers to determine what they planned to give during the holidays, and electronics were second only to gift cards among the most popular gifts to give. Sixty-three percent of respondents cited their intentions to give electronics, while the survey also found that 76 percent of people planned to request electronics as holiday gifts. Gadgets figure to be popular gifts again this holiday season. Unwrapping the latest tablet or a big-screen television can be exciting, but electronics can be expensive. Those who plan to give their loved ones the latest gadgetry should be happy to learn there are ways to do so that don’t require breaking the bank.

Scale back. Oftentimes people are buying more computer or data than they actually need. For example, when buying computers, it’s tempting to go for those that boast the most memory, but that extra memory is only useful to those people who truly need it. A less expensive model that suits your loved one’s genuine needs will make for an impressive and more practical gift.

Determine necessity. Some gadgets are more a desire than a necessity. Decide if a particular device will be an asset to your loved one or just another trendy item that soon will be gathering dust. Look for devices that your loved one will make the most of. If the purchase is not warranted, save your money and look for something else.

Consider refurbished items. Don’t shy away from refurbished items, as the discounts can be steep. Refurbished items are often just items that were

returned to the store because they’re not needed or because the item was malfunctioning. Returned items are factory-tested and then repackaged. Opt for refurbished items that carry a manufacturer-backed warranty for greater peace of mind.

Consider open box items. Just because packaging is dented or torn does not mean the merchandise inside is damaged. Purchasing a product that’s not inside a pristine box can sometimes yield a 10 to 15 percent discount at retailers that offer open-box specials. Just verify that all cords, manuals and other accessories are inside the box before leaving the store.

Peruse previous generation models. Manufacturers release a new version of their devices seemingly every year. That doesn’t mean last year’s phone, video game console or computer is any less effective than the updated version. Models from previous years likely won’t be much different from the latest models, but they do figure to be considerably less expensive.

Look for coupon codes. When researching products, search for coupon codes for desired electronics and retailers. Web-based retailers may post coupon codes that add up to significant savings. Just ensure that the total cost after taxes and shipping fees are calculated makes the purchase worth your while.

Skip the warranty. Extended warranties often cost more money than potential repairs. In addition, after a few year’s time, your loved one may be looking to upgrade his or her gadget anyway, making the extended warranty an unnecessary expense.Gadgets make for popular yet expensive holiday gifts. But holiday shoppers can save money on electronics by employing a few savings strategies.

How to save on high-

tech giftsShoppers can employ several

strategies to save money on gadgets this holiday season.

Select gifts that will have a longer shelf life, guaranteeing more opportunities for play.

Sunday, November 16, 2014 • 10 gainesvilletimes comThe Times, Gainesville, Georgia |

With lifetimes of experiences and seemingly everything they could ever want or need in life already

at their disposal, seniors can be difficult to shop for come the holiday season. Many even insist that their family members save their money and not buy them anything for the holidays.But if the thought of Grandma or Grandma not having something to open come the holidays is simply unacceptable, consider the following gift ideas.

Activity assistance devicesThe realities of getting older often mean the body slows down and activities may not be as easy as they used to be. Many active seniors are not ready to live sedentary lives, nor should they be forced

to do so. Plenty of products exist that can make life easier and more comfortable for older adults.Television amplifying headphones are one product that can be a great fit for seniors, particularly those having difficulty hearing their televisions. The headphones amplify the sound of the programming without disturbing others in the room, and many such headphones even allow users to mute their televisions. This feature is perfect for someone who likes to watch TV while a spouse is sleeping or reading in the same room.Other devices that can make life easier for seniors include magnifying products or bookholders. In addition, gel seat cushions can take pressure off of the spine in the car or at home.

FoodFood is always a handy gift because it doesn’t take up much room and can be enjoyed at a recipient’s leisure. Perhaps there is something the senior in your life used to enjoy as a child but now finds hard to come by. A search of the Internet may uncover that special treat. You may be able to ship a specialty soft drink or favorite cookie that is not available in

a nearby store. Otherwise, ask a store manager if a particular item that’s not in stock in the store can be a special order.

PhotosWhat grandparent does not enjoy looking at his or her family members? Computer-savvy men and women can use photo software to design personalized photo books, calendars, mugs, and other photo-related gifts. Just about anything can be emblazoned with a photo, including tote bags and pillows. Another idea is to collect old photos and compile a memory book. Scan the images so they are preserved digitally and then print out the images in a book that includes the family history.

TimeSeniors who truly do not want or need anything probably will likely jump at the opportunity to spend time with loved ones. Treat a friend or family member to a meal out or simply spend a few hours chatting at his or her home. Sometimes the company of a new face and good conversation is the ideal gift.

Gift ideas for the special seniors in your life

Hillside Memorial Gardens1212 Hillside Gardens Lane • Gainesville, GA 30504

770-718-9494Ken Barrett

Wishing you a Merry Christmasand a Happy New Year.

May God bless youand your family during

this Holiday Season.

Wishing you a Merry ChristmasWishing you a Merry Christmasand a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.and a Happy New Year.

May God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youMay God bless youand your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during and your family during

this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.this Holiday Season.

Wishing you a Merry Christmasand a Happy New Year.

May God bless youand your family during

this Holiday Season.

• Sunday, November 16, 2014 11gainesvilletimes comThe Times, Gainesville, Georgia |

�Ben Mason �Jim Watkins �Ken Barrett �John Haff �Anita Janes �Shelley Martin

�Philip McQueen �Scott Strong

Sunday, November 16, 2014 • 12 gainesvilletimes comThe Times, Gainesville, Georgia |

112 Main Street SW (on the Gainesville Square) 770-287-9245

Nearly every man or woman has hit that all too familiar wall when holiday shopping for friends and

family. While many people might be a cinch to shop for, there always seems to be one stickler on holiday shopping lists, and finding the right gift for that person can be an exercise in patience and perseverance.

But even the most patient shopper has his or her limits, and many people find themselves giving gift cards to those friends or family members who seemingly have everything already. Such cards make great gifts, but only when gift givers employ a few tricks of the gift card trade.

Buy directly from the retailer. It’s easy to be duped by a counterfeit gift card, which can be embarrassing for both the gift giver and its eventual recipient. Counterfeit gift cards are big business for criminals who prey on gift givers during the holiday season. Only buy gift cards directly from the retailer, as cards sold by other sources, such as an online auction site, may be stolen or counterfeit. You don’t want to be the person who gave a stolen or counterfeit card, and your friend or family member does not want to be subjected to an inquiry as to why he or she is attempting to use a stolen or counterfeit card.

Examine the card before leaving the store. Once a cashier or customer service employee hands you a gift card, examine it for tampering before leaving the store. Some criminals gain access to gift cards, even those that appear to be behind lock and key, to learn the PIN number associated with the card. Once they have the PIN, recipients can then recreate their own card, using the stolen PIN to activate and make purchases on their counterfeit cards long before the real card is sold to you. If you detect any damage, ask for a new card before leaving the store.

Include a gift receipt with the card. When giving a gift card, don’t forget to include the gift receipt. The gift receipt not only verifies the value of the gift card, but also includes the date the card was purchased. That’s important information, as many companies begin to charge fees, some of which may be exorbitant, on unused cards after a predetermined period of time. Recipients who have the gift receipt won’t have to haggle with retailers about the value of the card should that ever be in dispute, and the receipt also can serve as a reminder that the recipient needs to use

the card before a given date to avoid fees.

Consider a general purpose gift card. If that stickler on your holiday shopping list is especially difficult to shop for, then you might want to consider a general purpose gift card issued by a company such as American Express, MasterCard or Visa. These cards generally allow recipients to use their gift wherever they choose, whether it’s to put gas in their tank or buy groceries. That versatility is valuable if you truly have no idea what your friend or family member needs or where he or she likes to shop. One notable disadvantage to general purpose gift cards is that they tend to come with more fees than more traditional gift cards purchased directly from specific retailers. Investigate these fees and find a card that charges no fees or only minimal fees.Gift cards make great gifts and can bail out frustrated holiday shoppers who simply can’t find that perfect gift for a friend or family member. But when shopping for gift cards, be sure to exercise caution before buying a card so your loved is not put in an embarrassing or costly situation.

How to give holiday gift cards

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• Sunday, November 16, 2014 13gainesvilletimes comThe Times, Gainesville, Georgia |

Eco-friendly gift ideas for ‘green’ giving

Giving eco-friendly gifts is now easier than ever before. As more and more people are conscious of reducing

their impact on the planet, the demand for environmentally conscious products and services has grown.Choosing earth-friendly gifts is not only

generous, but gift-givers also can rest assured they’re doing their part to safeguard natural resources for future generations. The following are some gift ideas for the eco-conscious people on your holiday shopping list.

Locally made productsLocally made products make great holiday gifts. Such gifts are not produced halfway around the world, meaning they don’t contribute to greenhouse gas emissions and global warming like products that need to be flown or driven across the globe. Craft fairs and artisan shops are good sources for locally made gifts, which also are a great way to support businesses in your community.

Gifts of serviceA massage or music or tutoring sessions are examples of gifts of service. These gifts do not require much use of natural resources, and recipients find their personal nature very thoughtful. Gifts of service also can include tasks you do yourself for the gift recipient,

rather than paying another person to handle. For example, teach a senior member of your family how to navigate their new smartphone or agree to help them shop for groceries.

Recycled goodsWhen many people think of recycling, they tend to picture piles of discarded plastic bottles, glass jars and aluminum cans. While the end product of many of these recycled pieces is new cans, bottles and jars, recycled materials also can be turned into new and unique pieces. Trivets and spoon rests made from recycled and melted wine bottles make for clever and attractive gifts. Recycled fire extinguishers have been turned into vases, and you can even find bike parts that have been used to make wind chimes and belts if you know where to shop.

Natural giftsNatural gifts are among the most environmentally friendly ones you can give. Foodies may appreciate an herb-growing

kit that enables them to experiment with freshly picked basil or thyme in the kitchen, while tree-growing kits and flower seed packets are nice stocking stuffers for budding gardeners. Offer to purchase a living Christmas tree for a relative, so that he or she can plant the evergreen after the holidays have come and gone.

AntiquesNew, shiny gifts are not the only ones that have appeal. Gifting a sentimental piece of family history is an earth-friendly way to share the holidays. Pass down a cherished piece of jewelry or, if you do not have anything in your own collection, browse antique shops for items that have interesting histories.The holiday season is often a time of excess, but giving doesn’t have to be detrimental to the environment. Givers can seek out earth-friendly gifts and share even more this time of year.

Music lessons and other gifts of service do not require a great deal of natural resources, making them ideal eco-friendly gifts.

It’s not uncommon for families to welcome a new pet into their homes during the holiday season. Parents may

give their children their first pet during the holidays, but those who choose to give a pet to someone outside their immediate family or to someone they don’t live with should consider the following advice before going through with that decision.

Consult the eventual recipient firstThe element of surprise is part of what makes the holiday season of giving so special, and few things may inspire more enthusiastic responses than new pets under the tree. But however appealing you may find such reactions, it’s still best to first consult the intended recipient before buying or adopting the pet. Pets make wonderful additions to a home, but some people may be allergic to certain animals or simply not have the time or energy to

devote to pet ownership. No one wants to return an animal to a kennel, and forcing a loved to take on the unwanted responsibility of pet ownership does not make much of a gift.

Let the recipient choose the petAunts or uncles may think a cute puppy is an ideal holiday gift for their nieces and nephews, but it’s best to let those youngsters’ parents choose the pet rather than going it alone. Once mom and dad have given you the greenlight to gift their kids a pet, let them decide which type of pet will become the newest member of their households. Parents may not feel their children are ready to handle the significant responsibility of dog ownership, and they may prefer their kids first receive a more low-maintenance pet, such as a fish.

Pay for everythingPets are expensive, even those that are adopted from nearby shelters. Cats and dogs adopted from local shelters or even animals bought directly from breeders will need some immediate medical care, including shots and initial examinations

at the veterinarian’s office, as well as food, dishes, leashes (if giving a dog), and bedding. When giving pets as a gift, men and women should fit the bill for these additional expenses, which can be significant. Recipients may not be able to afford these additional expenses, especially during the holiday season, nor did they ask to take on such a financial burden. So men and women giving pets as gifts should be capable of handling the oft-overlooked costs of adopting or buying a new pet.

Be willing to take the petSome households simply are not a good match for pets. Men and women looking to give pets as holiday gifts should be willing to take the pet into their own homes if things are not working out with the recipient. This does not mean gift-givers have to keep the pet forever, but they should be willing to temporarily care for the animal until it finds a new home.Pets sometimes make wonderful gifts, but men and women who are considering giving pets as gifts this holiday season should not approach such gestures lightly.

Steps to take before giving pets as gifts

Sunday, November 16, 2014 • 14 gainesvilletimes comThe Times, Gainesville, Georgia |

The holiday season is rife with tradition. Families have their own unique traditions, whether it’s

gathering at Grandma’s to enjoy a holiday meal or singing carols together around the neighborhood with friends who live nearby.One tradition that seems to have made it into many families’ holiday celebrations is indulging in delicious baked goods. Desserts are a big part of the holiday season, when many people relax restrictions on their diets to enjoy some of their favorite cookies and cakes. While such delicacies are often served at dinnertime, homemade baked goods also make great gifts come the holiday season. Whether a friend or family member is a fully devoted foodie or simply a person who loves a decadent dessert, gifting homecooked baked goods is a great way to show your loved ones just how much you appreciate them. This holiday season, give the gift of decadence by cooking up the following recipe for “Sticky Chocolate Gingerbread” courtesy of Maxine Clark’s “Chocolate: Deliciously Indulgent Recipes for Chocolate Lovers” (Ryland, Peters & Small).

Sticky Chocolate GingerbreadMakes an 8-inch cake

21⁄3 cups dark molasses6 ounces dark chocolate (60 to 70 percent cocoa solids), grated13⁄4 cups all-purpose flour2 teaspoons ground ginger5 ounces whole pieces preserved stem ginger, drained and roughly chopped1 stick (8 tablespoons) unsalted butter, softened1⁄2 cup plus 2 tablespoons dark brown sugar, sifted (to remove lumps)2 medium eggs, beaten1⁄2 teaspoon baking soda2 tablespoons milk, warmed A pinch of salt Extra-large crystallized ginger pieces, to scatter (optional)

A deep 8-inch square cake pan or 8 x 6 x 3-inch oval cake pan

Give the gift of indulgence this holiday season

Did you know?Though there is no official data that declares the best-selling holiday toy

for children of all-time, it’s fair to assume the lovable “Sesame Street” figure Elmo is high on the list of most popular holiday toys. Much of

that popularity can be traced to the introduction of Tickle Me Elmo in 1996. Though not the first Elmo doll, Tickle Me Elmo became the must-have gift of 1996, when parents searched far and wide for the doll that laughed when users tickled its stomach. During the holiday season of 1996, many people paid far beyond market price just so their children could wake up on Christmas or Chanukah and have a Tickle Me Elmo doll to call their own. Since 1996, Elmo has been reincarnated many times over, and each Elmo doll seems to inspire its own craze come the holiday season. Released in 1998, Walk ‘N’ Talk Elmo was a popular children’s gift, as was Rock ‘N’ Roll Elmo (1999), Tickle Me Elmo Surprise (2001), Chicken Dance Elmo (2002), and SHOUT Elmo (2005). In 2006, Mattel®, the company that produces the Elmo dolls, announced a special commemorative Elmo to mark the 10-year anniversary of the introduction of Tickle Me Elmo. That, too, sparked a buying frenzy, as some reports indicated private sellers were selling the latest Elmo, known as TMX Elmo, for thousands of dollars.

Preheat the oven to 325 F. Grease and line the base and sides of the cake pan with nonstick parchment paper.Put the molasses in a pan and heat gently until hot, but do not allow it to boil. Remove the pan from the heat and add the chocolate. Stir until melted. Sift the flour, ground ginger and salt together in a bowl. Add the stem ginger and toss it around in the flour until every piece is coated.Using an electric mixer, cream the butter and sugar in a large bowl. Beat in the eggs, then the molasses and chocolate mixture and finally the flour mixture. Dissolve the baking soda in the milk and gradually beat this into the batter.

Pour into the prepared cake pan, scatter with the crystallized ginger, if using, and bake for 45 minutes. Reduce the oven temperature to 300 F and bake for another 30 minutes. (If using the oval pan, cook for about 45 minutes at the higher temperature, then about 1 hour at the lower temperature, as it will be deeper.) A metal skewer inserted into the center should come out clean. Let cool for 5 minutes in the pan, then turn out onto a wire rack and let cool completely. When cold, store in an airtight container for at least a couple of days to mature and become sticky. Don’t worry if it sinks a bit in the middle — this is normal.

• Sunday, November 16, 2014 15gainesvilletimes comThe Times, Gainesville, Georgia |

Toys will once again be high on kids’ wish lists this holiday season, when advertisements will highlight

this year’s most coveted gifts. But just because a particular toy is this year’s must-have item does not mean it’s the safest gift for kids of all ages.According to the Consumer Product Safety Commission, there were an estimated 265,000 toy-related injuries treated at hospitals in the United States in 2012. Of those injuries, an estimated 72 percent happened to children younger than 15 years of age while 69 percent affected kids 12 years of age or younger. In addition, an estimated 34 percent of those injuries happened to children younger than five years of age. Many toy-related deaths were the result of drowning and asphyxiation.No one wants to think about injuries or deaths involving kids, but holiday shoppers must keep safety in mind when purchasing children’s gifts to safeguard youngsters from injury.

BalloonsThe CPSC notes that balloons are the leading cause of suffocation death in children. Children may swallow broken or uninflated balloons, which can then stick to the throat and airway, making it impossible to breathe. Holiday shoppers should avoid giving balloons to children age eight or younger. In addition, dispose of balloons if or when they deflate.

Painted toysLead paints and toys containing lead are not legal in North America, but that doesn’t mean that imported toys are made in adherence to stringent safety guidelines. Before buying a toy, confirm that it is lead-free, as exposure to lead can cause serious neurological problems, especially in young children.

Button batteriesButton batteries, or the small-sized batteries found in some toys, watches and hearing aids, can be hazardous. Batteries

can become stuck and cause chemical burns. Adults should always verify that the battery compartments on children’s toys are secured with screws. Other products that have remote controls may contain batteries that are not adequately secured. In addition to button batteries, AAA batteries, which are small, can be hazardous to kids.

MagnetsSmall magnets can be swallowed and become lodged in the digestive system of a child. If two or more magnets or a magnet and metal component are swallowed, they can attract to one another through intestinal walls. This can cause blockages, perforations and infections. Avoid toys that use small magnets, and check the CPSC website to ensure that magnetic toys are not among recalled products.

How to help new parents make the holidays special

Emphasize safety when buying giftsfor children

Bringing a baby home changes a person’s life. Babies bring great joy but also some confusion into a

household, especially as the new parents adapt in their first few weeks or months as mom and dad. Babies tend to draw attention away from their folks, whose needs may be lost in the shuffle. As baby’s first holiday season approaches, the youngster’s parents and extended family often attempt to make the experience as memorable as possible. But family and friends of new parents also can take steps to lighten new parents’ holiday burdens by offering some thoughtful holiday gifts that can provide support and love for newly minted moms and dads.• Time: New parents typically are short on time. There’s little time to shop, eat and sleep. Friends and family of new parents can give the gift of time this holiday season. Offer your services as a babysitter so new parents can enjoy some alone time, or simply lend a hand with household chores so the new mom and dad can relax instead of work while their bundle of joy is napping.

Memories: The first hours and days of having a new child are filled with opportunities to capture every moment.

Gone are the days when film must be developed and tangible photos must be stored in photo albums. Digital technology means some photos never make it to hard copies. But even if photos rarely find their way into frames, preserving early memories is essential. Computers can fail and camera cards can break. In such instances, precious images may be lost forever unless parents have backup. An Eye-Fi™ wireless memory card will automatically upload images from a camera to a computer or external memory source, ensuring no precious snapshots are lost.

Food: New parents’ nourishment may come from any package that’s easily torn open with their teeth while tending to a crying infant. Meals, snacks and food baskets make great gifts that keep parents fed and happy. Consider memberships to fruit of the month clubs or call the new parents’ favorite restaurant and send them a meal.

Pampering: Sometimes new parents just need some pampering, whether it’s a shopping excursion, a visit to a hair dresser, an appointment with a masseuse, or something as simple as a long, uninterrupted hot shower. A gift card to a spa or salon may make a good gift for a luxury-starved parent. Just remember to factor child care into the equation so that Mom or Dad will not have any excuse to cancel his or her appointment.New parents face many challenges, and helping them through their first holiday season as a mother and father can make this precious period that much more memorable.

New parents can use a helping hand during their first holiday season as mom and dad.

TOY SAFETY TIPS•Readthepackagingtoensure that toys are age-appropriate.•Avoidprojectiletoysorthose with sharp points.•Storetoysthatbelongtoolder children out of reach of younger kids.•Don’tbuytoyswithremovable parts that can be swallowed.•Onlybuytoysmadefrom nontoxic materials.•Onlybuyfabrictoysthatare labeled as flame-resistant or flame-retardant.•Onlybuystuffedtoysthatare washable.•Graciouslydeclinehand-me- down toys that may not meet current safety standards.

Sunday, November 16, 2014 • 16 gainesvilletimes comThe Times, Gainesville, Georgia |16