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5 WAYS TO MANAGE YOUR FINANCES Personal financial management is a subject that is not taught in many schools. Find Out What’s Going On Around You This Weekend Fall fun for all the family. Watch the leaves change, pumpkin patches and more! St. Catharines Edition
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Mar 28, 2016

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Page 1: YC Life Magazine Sample

5 WAYS TO MANAGE YOUR

FINANCESPersonal financial management is a subject that is not taught in many schools.

Find Out What’s Going On Around You This WeekendFall fun for all the family. Watch the leaves change, pumpkin patches and more!

St. Catharines Edition

Page 2: YC Life Magazine Sample

Courtesy of

recipes & foods

Birds Hill

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Recipe Ingredients4 bone-in chicken thighs, skin removed

1/2 tsp each salt and pepper 2 mL

2 tbsp canola oil, divided 30 mL

1 onion, diced3 cloves garlic, minced

3/4 tsp fresh Compliments Thyme leaves 4 mL

1 tbsp all-purpose flour 15 mL

3/4 cupCompliments Chicken Broth,

35% Less Sodium175 mL

3/4 cup water175 mL

1 lemon, zested and juiced 1 tbsp

capers, drained15 mL

12 Compliments White Petites Potatoes,

halved1 lb

asparagus, ends trimmed 500 g

2 tbsp minced parsley 30 mL

1. Season chicken with salt and pepper. In a large deep skillet or Dutch oven, heat 1 tbsp (15 mL) oil over medium-highheat. Add chicken and cook, turning once, until golden brown, about 10 min. Transfer chicken to a plate and set aside.2. Reduce heat to medium and return pan to heat. Add remaining oil to pan. Add onion, garlic and thyme and cook, stirringoften, until softened and aromatic, about 5 min. Sprinkle with flour and cook, stirring, 1 min. Stir in chicken broth, water,lemon zest, lemon juice and capers and bring to a boil, scraping up any brown bits from bottom of pan. Add potatoes,cover, reduce heat to medium-low and cook, about 10 min.3. Add chicken, bone side up, nestled amongst the potatoes. Cover and cook until potatoes are tender, about 20 min. Turnchicken over and lay asparagus over chicken and potatoes. Cover and cook until asparagus is tender, liquid is reduced andjuices run clear when chicken is pierced, about 7 min (or when an instant read thermometer inserted into the thickest partof the chicken, away from the bone, reads 165°F / 74°C). Sprinkle with parsley.

1/4 of the Recipe

Energy: 340 Calories

Protein: 25 gFat: 16 gCarbohydrates: 23 g

Sodium: 530 mgCholesterol: 75 g

Fibre: 5 g

L emon-Caper Chick en,Potato & A sparagus Sk illet

Serves 4 • Prep Time 15 min. • Total Time: 50 min.

Recipe Directions

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Page 3: YC Life Magazine Sample
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PublisherWilliam Leighton

EditorRebecca McIntyre

Design/ProductionEnzo Herrera

PhotographyChristie Cassidy

Advertising SalesWilliam Leighton - 289.687.76.78

[email protected]

YC Life Magazine is a publication of YC Communications.

Fresh content, local interest stories, snapshots of life and activity in St. Catharines and so much more. Welcome to the world of YC life. Our goal is to provide our readers with engaging, resourceful and creative content in a stylish format. YC life will connect you with ideas, information and content to help you navigate through all phases of life and be a valued resource at your fingertips…and that continues with our online presence as well. We recognize the value of all forms of communication and we hope to engage, inspire and inform you as best we can along this journey called life.

Join us as we begin this exciting adventure together.

William LeightonPublisher

Publisher’s Note:

Advertising Works! Contact us to find out moreWilliam Leighton

[email protected]: 289.687.7678 yclife.ca

Page 5: YC Life Magazine Sample

Financial Sen$e ...................... pg. 6

Fashion/Style .......................... pg. 9

Total Health ........................... pg. 11

Tech 2.0 ................................. pg. 14

Community ............................ pg. 16

Recipe ................................... pg. 21

Fun time ................................ pg. 22

Contents

Your Community life Magazine pg. 5

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Keep More Money In Your Pocket!

5 helpful tipsLearn Self ControlIf you’re lucky, your parents taught you this skill when you were a kid. If not, keep in mind that the sooner you learn the fine art of delaying gratification, the sooner you’ll find it easy to keep your finances in order. Although you can effortlessly purchase an item on credit the minute you want it, it’s better to wait until you’ve actually saved up the money. Do you really want to pay interest on a pair of jeans or a box of cereal? (To learn more about credit, check out Understanding Credit Card Interest and our Debt Management feature.)

If you make a habit of putting all your purchases on credit cards, regardless of whether you can pay your bill in full at the end of the month, you might still be paying for those items in 10 years. If you want to keep your credit cards for the convenience factor or the rewards they offer, make sure to always pay your balance in full when the bill arrives, and don’t carry more cards than you can keep track of.

Take Control of Your Own Financial FutureIf you don’t learn to manage your own money, other people will find ways to (mis)manage it for you. Some of these people may be ill-intentioned, like unscrupulous commission-based financial planners. Others may be well-meaning, but may not know what they’re doing, like Grandma Betty who really wants you to buy a house even though you can only afford a treacherous adjustable-rate mortgage.

Instead of relying on others for advice, take charge and read a few basic books on personal finance. Once you’re armed with personal finance knowledge, don’t let anyone catch you off guard - whether it’s a significant other that slowly siphons your bank account or friends who want you to go out and blow tons of money with them every weekend. Understanding how money works is the first step toward making your money work for you.

Financial Sen$e

Page 7: YC Life Magazine Sample

Keep More Money In Your Pocket!

Your Community life Magazine pg. 7

Know Where Your Money GoesOnce you’ve gone through a few personal finance books, you’ll realize how important it is to make sure your expenses aren’t exceeding your income. The best way to do this is by budgeting. Once you see how your morning java adds up over the course of a month, you’ll realize that making small, manageable changes in your everyday expenses can have just as big of an impact on your financial situation as getting a raise. In addition, keeping your recurring monthly expenses as low as possible will also save you big bucks over time. If you don’t waste your money on a posh apartment now, you might be able to afford a nice condo or a house before you know it. (Read more on budgeting in our Budgeting 101 special feature.)

Start an Emergency Fund One of personal finance’s oft-repeated mantras is “pay yourself first”. No matter how much you owe in student loans or credit card debt and no matter how low your salary may seem, it’s wise to find some amount - any amount -

of money in your budget to save in an emergency fund every month.

Having money in savings to use for emergencies can really keep you out of trouble financially and help you sleep better at night. Also, if you get into the habit of saving money and treating it as

a non-negotiable monthly “expense”, pretty soon you’ll have more than just emergency money saved up: you’ll have retirement money, vacation money and even money for a home down payment.

In addition, keeping your recurring monthly expenses as low as possible will also save you big bucks over time.

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GET OUT THE DOOR!

Believe it or not, you always have time to dress cute. Sure, you may say, “Have you ever seen me trying to go through my closet before I’ve had a cup of coffee?” But it’s the truth! Simple pieces with plenty of added accessories — or just some great shoes — can take an outfit idea from drab to fab, even with limited time in the morning.

Easy but stylish outfits for busy mornings

Your Community life Magazine pg. 8

Fashion / Style

Page 9: YC Life Magazine Sample

One long tank1The centerpiece of this outfit is super simple — a cotton tank maxi (DorothyPerkins.com, $28). The real magic comes in the accessories. Toss in some adorable wedges with corresponding colors (Heels.com, $100) and a functional, brown cross-body bag (ASOS.com, $83), then add a waist-defining belt (Mango.com, $15) and sweet mint jewelry like this vintage-inspired ring (WetSeal.com, $7) and chandelier earrings (StellaDot.com, $39).

Office chic2Think you can manage four pieces? This ultra-simple, pulled-together look is perfect for strutting the office hallways. A classic pencil skirt (FrenchConnection.com, $88) is paired with a prim and proper black-and-white blouse (LordAndTaylor.com, $42). Punch it up with some bright, unexpected accessories like these cobalt pumps (Heels.com, $90) and a mustard-yellow satchel (Boohoo.com, $60).

Day to night3Have a lunch date with a co-worker but want to go out for cocktails later? This outfit is the perfect combination of professional and party animal. Start with a stunning pair of skinnies (JackWillis.com, $80), and then add a classic peplum top (FrenchConnection.com, $90). During the day, add a sophisticated beige blazer (Mango.com, $60) and comfy-cute closed-toe wedges (Payless.com, $35). Lastly, add some edge with a statement gold necklace (Storenvy.com, $7).

Fancy up top4If you can find one statement piece per outfit, you’ll never end up looking drab. This bow-accented blouse (MissSelfridge.com, $53) should be the centerpiece of your outfit, allowing figure-flattering trouser jeans (AlloyApparel.com, $40) to act as a canvas. Keep it simple with comfortable studded flats (SoleSociety.com, $50) and hexagon stud earrings (Piperlime.com, $30).

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Set yourself up for success To set yourself up for success, think about planning a healthy diet as a number of small, manageable steps rather than one big drastic change. If you approach the changes gradually and with commitment, you will have a healthy diet sooner than you think.

Simplify. Instead of being overly concerned with counting calories or measuring portion sizes, think of your diet in terms of color, variety, and freshness. This way it should be easier to make healthy choices. Focus on finding foods you love and easy recipes that incorporate a few fresh ingredients. Gradually, your diet will become healthier and more delicious.Start slow and make changes to your eating

habits over time. Trying to make your diet healthy overnight isn’t realistic or smart. Changing everything at once usually leads to cheating or giving up on your new eating plan. Make small steps, like adding a salad (full of different color vegetables) to your diet once a day or switching from butter to olive oil when cooking. As your small changes become habit, you can continue to add more healthy choices to your diet.Every change you make to improve your diet matters. You don’t have to be perfect and you don’t have to completely eliminate foods you enjoy to have a healthy diet. The long term goal is to feel good, have more energy, and reduce the risk of cancer and disease. Don’t let your missteps derail you—every healthy food choice you make counts.

Total HealthHealthy Eating

Your Community life Magazine pg.11

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Moderation is

key

People often think of healthy eating as an all or nothing proposition, but a key foundation for any healthy diet is moderation. But what is moderation? How much is a moderate amount? That really depends on you and your overall eating habits. The goal of healthy eating is to develop a diet that you can maintain for life, not just a few weeks or months, or until you’ve hit your ideal weight. So try to think of moderation in terms of balance. Despite what certain fad diets would have you believe, we all need a balance of carbohydrates, protein, fat, fiber, vitamins, and minerals to sustain a healthy body.

For most of us, moderation or balance means eating less than we do now. More specifically, it means eating far less of the unhealthy stuff (refined sugar, saturated fat, for example) and more of the healthy (such as fresh fruit and vegetables). But it doesn’t mean eliminating the foods you love. Eating bacon for breakfast once a week, for example, could be considered moderation if you follow it with a healthy lunch and dinner—but not if you follow it with a box of donuts and a sausage pizza. If you eat 100 calories of chocolate one afternoon, balance it out by deducting 100 calories from your evening meal. If you’re still hungry, fill up with an extra serving of fresh vegetables.

Try not to think of certain foods as “off-limits.” When you ban certain foods or food groups, it is natural to want those foods more, and then feel like a failure if you give in to temptation. If you are drawn towards sweet, salty, or unhealthy foods, start by reducing portion sizes and not eating them as often. Later you may find yourself craving them less or thinking of them as only occasional indulgences.

Think smaller portions. Serving sizes have ballooned recently, particularly in restaurants. When dining out, choose a starter instead of an entree, split a dish with a friend, and don’t order supersized anything.

At home, use smaller plates, think about serving sizes in realistic terms, and start small. If you don’t feel satisfied at the end of a meal, try adding more leafy green vegetables or rounding off the meal with fresh fruit. Visual cues can help with portion sizes–your serving of meat, fish, or chicken should be the size of a deck of cards, a slice of bread should be the size of a CD case, and half a cup of mashed potato, rice, or pasta is about the size of a traditional light bulb.

It’s not just

what you eat, it’s

how you eat

Page 13: YC Life Magazine Sample

Try not to think of certain foods as

“off-limits.”

Page 14: YC Life Magazine Sample

Tech 2.0

Get the Most Out of Your Cell Phone BATTERY

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Turn the phone off. This will probably be the most effective and simple way of conserving your battery’s power. Why? This will help conserve energy and also charge your phone. If you don’t plan on answering the phone while you’re sleeping or after business hours, just turn it off. Do the same if you are in an area with no reception (such as a subway or remote area, since constantly searching for service depletes the battery fairly quickly.) Some phones have an automatic power save feature, but it takes about 30 minutes with no service to kick in. By then, much battery power has been used. If you don’t need to receive or make calls but are using a smartphone as a PDA, disable the phone functionality (flight mode).

Stop searching for a signal. When you are in an area with poor or no signal, your phone will constantly look for a better connection, and will use up all your power doing so. This is easily understood if you have ever forgotten to turn off your phone on a flight. The best way to ensure longer battery life is to make sure you have a great signal where you use your phone. If you don’t have a perfect signal, get a cell phone repeater which will amplify the signal to provide near perfect reception anywhere.

Do not follow the method of full charge and full discharge.Avoid letting your cell phone’s battery run all the way down. Unlike nickel-based batteries (such as the NiCd or NiMH rechargeable AA batteries seen in most supermarkets), lithium-based batteries are designed to be charged early and often, and letting them get too low can damage the battery. [1] With Lithium batteries, doing shallow discharges and frequent charging prolongs battery life.

Switch the vibrate function off on your phone, using just the ring tone. The vibrate function uses additional batteryzzzzz power. Keep the ring tone volume as low as possible

Turn off your phone’s back light.The back light is what makes the phone easier to read in bright light or outside. However, the light also uses battery power. If you can get by without it, your battery will last longer. If you have to use the back light, many phones will let you set the amount of time to leave the back light on. Shorten that amount of time. Usually, one or two seconds will be sufficient. Some phones have an ambient light sensor, which can turn off the back light in bright conditions and enable it in darker ones.

Your Community life Magazine pg.15

If you don’t plan on answering the phone while you’re sleeping

or after business hours, just turn it off.

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Community

Ways to help your community in 30 minutes or less

10

From waking up early to put in a first load of laundry to working all day and driving the mom taxi all afternoon, most women have little time to think about volunteering for community projects. But busy schedules do not mean we have to write off community involvement completely. In thirty minutes or less, anyone can make a difference in the community.

Page 17: YC Life Magazine Sample

1 Take a garbage bag while walking through the neighborhood. Pick up any litter along the way. As a by-product, you can get some exercise built into your day.

2Shop with locally owned businesses, saving time and money.Many locally owned businesses offer services like free gift-wrapping and delivery. And a percentage of your sales taxes go directly to the local community.

3 Find positive aspects of your community share with other people. A positive image encourages residents to shop locally, increases the chance new businesses will open in the area and promotes growth.

4Attend a local festival or other event. Many have free admission and activities. Most festivals are actually fundraisers for non-profit organizations who make their money through sponsorships. Since sponsors look at attendance numbers to decide how much to give, your family can add to the number and help increase what businesses give next year.

5 Write a letter to local elected officials encouraging them for making good decisions for the community. People work harder when they know they are appreciated. And elected officials seldom hear enough encouraging words.

6Put a potted plant on your front porch. When your home looks spruced up, it makes the whole neighborhood and the community to look better as well.

Your Community life Magazine pg.17

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Take left over dinner to an elderly neighbor. If you have a family of four, cook enough dinner for five one night and deliver a plate to the widow next door. Your delivery helps you to get to know your neighbors better. And police promote knowing your neighbors as the best way to fight neighborhood crime. 8Look for opportunities to give in your

community. Many schools collect items, such as like canned foods, old coats, toys and eyeglasses, for less fortunate families.z

Vote. While the Presidential election comes around only once every four years, elections happen every year. Check out the candidates for local and state elections.

10Encourage your employer to sponsor local events, join a civic organization or allow employees to volunteer during work hours.Many businesses have volunteer programs to reward employees for volunteering. Local news media often cover large volunteer events and having employee representation gives businesses extra publicity.

7

9

By doing our part to contribute to the community, we add people to our circle of influence and gain opportunities to build relationships with our neighbours. We also demonstrate what it means to be a good citizen to our children.

Your Community life Magazine pg.18

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Ingredients4 − 6 oz fillet of wild-caught pink salmon per person, skin onHoisin sauceTamari or light soy saucesesame oilpepper

Pink Salmon Fillets in “Kimono”Easy prep, exotic flavor

and great value in this

recipe for an Asian-robed

pink salmon fillet.

Preparation

Heat the oven to 400 degrees or put the BBQ on high.

Pat the fillets dry with a kitchen towel and lay them out on a baking sheet covered with parchment paper, or a tray to take to the BBQ.

In a bowl, mix Hoisin, tamari and sesame oil. For each serving, use 1 tablespoon Hoisin, 1 teaspoon tamari and 1 teaspoon sesame oil— roughly 3:1:1. Hoisin is thick and hard to measure, so I often eyeball it and taste for a nice balance of sweet and salt. The sauce should be thick enough that it does not run off the fillets. Add pepper to taste.

Enrobe your fillets generously with the sauce immediately before cooking. If you sauce them too early, the salt will draw moisture from the fish and the robes will melt away! And that, as they say, is not “good naked.”

Cook for approximately 10 minutes in the oven. On the BBQ, watch the coating closely to be sure it doesn’t burn, and reduce heat if it seems to be caramelizing too quickly.

The sweet, nutty taste of this fish is nicely paired with a side of brown rice and bitter greens such as kale.

Recipe

Your Community life Magazine pg.21

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Your Community life Magazine pg.22

Fun Time

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