Bananas at Risk

One of the most important crops on Earth, bananas, are at risk. They are a top source of food and money for millions of people. But all around the world, banana plants are dying. They’re being attacked by a form of Panama disease called Tropical Race 4 (TR4).

For years, farmers and experts have been afraid that TR4 would hit Latin America and the Caribbean, where about 85% of bananas exported worldwide are grown. On August 8, 2019, those fears came true. Cases of TR4 were confirmed at six banana farms in Colombia. The country declared a national emergency. “In Colombia, [TR4] is incredibly difficult to control,” scientist James Dale said. “Everybody is absolutely petrified about what’s going to happen.”

TR4 is a fungus that lives in soil. It infects banana plants through the roots. It moves into the stems. There, it stops water and nutrients from entering the plant’s leaves. The plant turns yellow. Then it dries up and dies. TR4 spreads easily, from plant to plant and farm to farm. “No country is immune to the disease,” says Fazil Dusunceli of the Food and Agriculture Organization.

Part of the problem is that 99% of exported bananas are of the same type: Cavendish. This lack of variety is not good for nature. Why? All Cavendish bananas are very similar. So when a disease like TR4 strikes, they are all equally at risk. “Eating Cavendish (bananas) is making the situation worse,” says Altus Viljoen, a professor who studies plant diseases.

People in the banana industry are coming together. They want to save the tropical fruit. James Dale, for example, is working with a team of scientists in Australia to introduce a new type of banana. It is resistant to TR4. But some people are against scientists creating new types of plants in a lab. They say people shouldn’t mess with nature.

Not everyone is worried about the fruit. “I think there’s a great future for bananas,” Andrew Biles says. He’s an adviser to Chiquita, one of the world’s biggest banana companies.

This isn’t the first time bananas have been in trouble.. Even if we find a solution to today’s banana crisis, will history repeat itself, yet again, in decades to come? “Oh, I’m certain it will,” Dale says.

Before the 1950s, nearly all the bananas sold in the U.S. were one type. Then Panama disease hit. The banana industry needed a replacement. It chose the Cavendish. This was similar to the banana popular at the time. But it was resistant to Panama disease.

In the 1990s, a new kind of Panama disease, called TR4, hit crops. This put the fruit at risk again.

Colleges Inspire Business Design

Suburban office campuses are borrowing design concepts from universities for indoor and outdoor communal spaces in hopes of appealing to more young professionals entering the workforce.

For example, in Warren, N.J., an office campus is building an indoor-outdoor, 20,000-square-foot amenities hub that mimics some universities’ student recreation centers. It features patio dining, exercise equipment and a basketball court. It serves as a place for professionals to connect and collaborate.

In Holmdel, N.J., Bell Works redesigned its office campus and took some inspiration from university libraries to cater to its younger employees who are transitioning from college life. The company created Holmdel Library with 18,000 square feet of space, offering a plethora of books for those who might miss the library setting.

Offices are also offering dining venues like you’d find at colleges. Vision Real Estate Partners in Parsippany, N.J., is opening one called Latitude to offer a variety of food options, from Chicago-style deep dish pizza to New York-based cuisine.

“The term ‘amenities’ does not do justice to what we are creating in the office campus setting,” Ross Chomik, managing partner at Vision Real Estate Partners, told Forbes.com.

“We’re not simply putting a cafeteria or a gym in one of our buildings and expecting that to change the course of the workday for our tenants. What companies really want is a customized, hospitality-based experience – an environment that is thoughtful about how much time people actually spend at work, and what they really need from the workplace to perform at their best. That means creating spaces that cater to different work styles and infusing wellness-, food- and recreation-based services integrating with people’s daily lives.”

10 Best Places To Retire Abroad

Have you long dreamed of someday retiring to a quiet, sandy beach, or a lively city with friendly locals and deep historical roots? You can make that dream a reality – there’s a literal world of possibilities. Live your best expat life in a beautiful, affordable destination.

Retiring abroad can be a cost-effective option for your golden years, as many foreign countries have lower costs of living. It’s not as risky or unconventional as you might think. The U. S. Social Security Administration sent checks to nearly 700,000 retirees living abroad as of December 2019.

Each year International Living compiles its Annual Global Retirement Index and spotlights the best places to retire abroad based on factors such as housing, benefits and discounts, cost of living, health care, development, climate and more.

Here are the 10 best places to retire abroad in 2020, according to the latest index.

  1. Portugal – Portugal took the top spot as the best place to retire abroad thanks to its year-round pleasant weather, low cost of living and rich culture. Locals are also extremely welcoming to visitors and expats. And the gorgeous landscapes don’t hurt, either.
  2. Panama – The weather is warm and tropical in Panama, but it’s outside of the hurricane belt. The U.S. dollar is the local currency and many citizens speak English, so acclimating to your new surroundings is easier. The country’s Pensionado Program is known as one of the best retiree programs in the world, offering generous discounts to pension-holding retirees on expenses ranging from medical expenses to entertainment.
  3. Costa Rica – Costa Rica is also known as the “Switzerland of Central America” thanks to its neutrality, safety and stable banking system. The locals are warm and welcoming, living according to the Pura Vida lifestyle. There’s a rich outdoor culture with plenty of hiking, diving, fishing, yoga and other healthy activities. Plus, the country boasts a progressive government and is LGBTQ+ friendly.
  4. Mexico – Mexico stands out as a top retirement destination because of its low cost of living, national health care plan, vibrant culture and diverse landscapes. Whether you want to live along the coastline or in the midst of a bustling city, Mexico has something for virtually everyone.
  5. Colombia – As the second-most biodiverse country in the world, there’s an environment to suit just about anyone’s preference, from warm beaches to temperate mountain communities. Even big cities have a small town feel because of the friendly, welcoming locals. Cost of living varies depending on what part of the country you live in, but it’s generally quite affordable.
  6. Ecuador – Ecuador is home to all-around amazing weather, with varying climates depending on its region. The cost of living is highly affordable; local mercados sell high-quality produce at low prices, services like haircuts and pedicures cost only a few dollars and you can even hire household help for just $10 to $20 a day.
  7. Malaysia – Malaysia is home to hundreds of white, sandy beaches, as well as warm weather and plenty of outdoor actives. Living is very affordable, including health care costs. And because Malaysian law is based on the British system, you’ll find plenty of English speakers and signs.
  8. Spain – Thanks to Spain’s warm Mediterranean climate, the nation’s beach life and food options are above par. Transportation is also a breeze, with a vast rail and bus system, plus inexpensive ride-sharing options. There are plenty of expat beach communities where you can rely on English to get settled, though venturing out of these areas will require you to pick up a bit of Spanish.
  9. France – If vineyards and meadows are more your speed, consider retiring in France. Despite what you might think, the country is an affordable place to live. Home to amazing wine, cheese, freshly baked baguettes and other culinary delights, foodies will feel right at home. And with an excellent health care system, a thriving fashion scene and abundant culture, you shouldn’t ever feel isolated or bored.
  10. Vietnam – The nation ravaged by war several decades ago boasts an exceptionally low cost of living and one of the strongest economies in Asia. It’s home to both rapidly developing urban areas and ancient temples and tombs. Plus, the people are exceptionally friendly and English is widely spoken.

Five Tips to Motivate Employees

Here are five tips from Inc. Magazine to help motivate your employees and create a sense of community.

It can be difficult to feel passionate about the job you’re doing, especially if you’ve been at it for a while. A lack of motivation among employees is a dangerous issue that every leader must tackle head on, otherwise it could lead to burnout, poor performance, dragging sales and resignation letters.

It would be great if you could create an environment where your employees feel welcomed, inspired and useful at work, so that they actually look forward to Monday morning.

The person in charge has the power to transform a company’s culture and make a business feel more like home to the employees.

A great manager makes time to get to know employees on a personal level. While an employee’s personal life and values should never impact the way they are perceived at work, there are many benefits to getting to know team members outside of what they do. By taking the time to understand the staff’s backgrounds, a manager can gain considerable insight. Maybe a staff member is fluent in multiple languages, or has technical skills in what you company is currently lacking. You won’t know until you ask.

Paying attention to what your team members have learned through their unique experiences can help you find more ways to improve their quality of life and address their needs at work. Plus, you might just end up learning something that helps you better serve your customer base too.

Motivate your team by engaging them through new tasks that speak to their unique skills When filling a role in your company, you probably were mostly focused on the applicant’s skills that applied directly to their job description. However, chances are that they have more skills and passions than just the ones they’re using for their specific job. If you make the effort to find additional tasks that speak to their other talents, your employee will feel like you’re really paying attention to who they are as a full person, not just how they contribute to your bottom line.

To combat boredom, you also should offer continuing education and professional development so that employees can improve on skills that they are passionate about. This way, even if they transition to a new type of work, they will be much more likely to want to do so in conjunction with your company, because you have supported them throughout and offered opportunities for them to grow alongside you.

Emphasize good mental health by providing regular opportunities for employees to express their needs. Employees might be struggling to find balance in their lives. Maybe a single parent is having trouble getting their kids to school while working a nine-to-five job? Another employee could be dealing with an illness that makes it difficult for them to participate in office events. The point is, you just won’t know what’s going on with your team members unless you provide an environment where they feel comfortable speaking openly with you.

There are many things that you can do to facilitate a workplace that is conducive to honest and frank discussions that bridge the gap between leader and team. Whether it means sitting down with employees individually to talk about their career path and how you can help them get where they want to go, or bringing in a certified counselor, providing your team with regular check-ins will vastly improve their overall morale.

Foster connections between employees with team bonding experiences. When you make an effort to support a closer camaraderie between employees, work becomes more enjoyable and thus more productive. Office sports teams, special outings and birthday parties are just some of the ways you can facilitate bonding in your company. As well as creating friendships between team members, by participating in these activities yourself, you can help remove the perceived barriers between you as the boss and the people who work for your company.

Recognize employee accomplishments. There’s nothing like the feeling of being congratulated for a job well done to encourage a renewed interest in producing results at work. Take the time to genuinely appreciate your employees for the work they do, so that they never feel that their hard work is going unnoticed. Whether it’s a simple mention in your weekly team meeting or a personalized compliment in their holiday card, just letting them know that you see what they’re doing and value it can be a huge confidence boost for even the most seasoned employee. The added benefit when you acknowledge triumphs in public is that your others will see that hard work will result in recognition, resulting in renewed efforts throughout your team. A simple rule here is to make praise public while always keeping criticism private.

Kind Hearts Brighten Season

Builder Shares Millions
A builder who became a multi-millionaire after bagging a £105m Euromillions jackpot ($139 million USD) has told his customers he will finish their jobs for free – as an early Christmas present. Steve Thomson, from Selsey, West Sussex, England promised to go back to work in a bid to ‘stay normal’ after becoming the ninth-biggest UK winner in the history of the European Lottery last month.

Coin Crusader Strikes Again
For the sixth year in a row, the anonymous “Coin Crusader” has generously dropped two rare gold coins into a Salvation Army red kettle in Broward County, Fla. The coins, worth approximately $3,000, were wrapped in one dollar bills and anonymously dropped into the Salvation’s Army’s red kettle at a Walmart Neighborhood Market. All proceeds support the Salvation Army’s feeding, shelter, and social service programs.

Lucky Waitress Garners Huge Tip
A group of friends got together Sunday in Paterson, NJ, to eat, enjoy one another’s company and fill the pocket of one lucky waitress. Local activist Zellie Thomas and nearly a dozen friends finished eating at an IHOP restaurant in the city and were about to leave, but not before giving a $1,200 tip. “She was still looking at it as we were paying the bill. We gave her the money and she was starting to count, like, ‘Wait, wait: You guys gave me too much money,’ ” Thomas said. “ ‘You were supposed to give me this amount.’ And we were like, ‘No, that’s all for you. That’s your tip.’ ”

The Bank with a Heart
Dundee Bank in Omaha has an annual Christmastime tradition of handing out cash to total strangers. Employees of the two-branch bank have hit the streets with envelopes containing two crisp $20 bills and some instructions. Perfect strangers are asked to keep $20 and give away $20 to the person or cause of their choice. Scrooges might think this a marketing ploy, though Tiny Tims might remind them that people who get cash off the street might have bigger needs than a new place to bank, if banking at all is in the cards. Rather, it’s a way to spread joy. Joy to the bank staffers who get the privilege of handing out the envelopes and experiencing the shock and wonder that comes from the recipient. More joy when the recipient gets to treat someone else. “People have cried, have screamed. Have chased after them and hugged them,” said Mandy Mellott, a spokeswoman for the bank. “It’s a really cool way for our employees to interact in the community.”

Big One for the Kettle
Among the crumpled bills and pocket change, a Salvation Army bell ringer in Indiana recently found a shiny gold coin in his red kettle. But not just any gold coin. This coin, a 1915 100 Corona Austrian gold coin, was valued at $1,500. And the name of the man who collected it outside of a Noblesville Walgreens is just as smile-worthy: James Bond.

Secret Santa Spreads Joy
For passengers getting on the bus in Milwaukee recently, it felt like boarding a bus to crazy town. “I said what? This is a dream or something,” one passenger said.But it wasn’t a dream. The drivers were real elves working for the real Secret Santa. Secret Santa is an anonymous, wealthy businessman who every year travels the country giving out $100, $200, sometimes $300 to random strangers. He usually finds his targets in thrift stores.
But this year, Secret Santa recruited some elves from the Milwaukee County Transit System to do at least some of his giving. He chose the Milwaukee drivers because they’re always doing kind deeds, whether it’s stopping the bus to fetch a pair of lost children’s shoes, helping a turtle cross the street or rescuing a child out wandering alone. There is a real culture of kindness, which Secret Santa said makes them the perfect accomplice.

How About a $10 Million Bonus
The very generous chairman of a Maryland real estate company has given his 198 employees the ultimate holiday gift: A $10 million bonus to share. When the employees at St. John Properties attended their annual holiday party, many expected food, drinks and good company. Each also received an envelope. You’re all participating in a bonus based on the number of years (of service) of $10 million,” company founder and chairman Edward St. John announced. The workers were stunned to find out that on average, they each would be going home $50,000 richer. The highest bonus awarded was $270,000.

Growth of the Backyard Bungalow

Accessory dwelling units are popping up in more backyards, CNBC reports. These stand-alone housing units are either serving as rentals to generate extra income for homeowners or extra space for aging parents or adult children who move back home.

The growing interest in ADUs has sparked changes to local and state zoning rules to allow for more construction. Some communities are even pointing to ADUs as a solution for a lack of affordable housing. For example, the city of Portland, Ore., waived impact fees in 2010, making it significantly less expensive to build ADUs in the city. It also prompted construction to soar: The number of ADU permits rose from 86 in 2010 to 660 in 2018, accessorydwellings.org reports.

“ADU is still, for the most part, an affluent homeowner product, meaning you have to have cash on hand to take this on,” Steve Vallejos, CEO of Prefab ADU, told CNBC. His company’s most popular ADU model is a 288-square-foot home that costs about $105,000 to build. ADUs are “addressing financing, it’s addressing standardizing products within cities, and then also it’s creating partner relationships with contractors, architects, and even other builders,” Vallejos says. “There are many different scenarios that people look into based on income, lot size, different zoning rules – so we build ADUs that start at about 150 square feet going up to 1,200 square feet.”

Some homeowners view ADUs as a rental income generator. Some are even turning their ADUs into a retirement plan. Homeowner Lisa Puchalla of Washington, D.C., told CNBC that she and her husband can envision themselves retiring one day in their ADU. The District of Columbia is another city that recently relaxed its building codes to allow for more ADUs. The Puchallas have an ADU in the side yard of their home and rent the ADU out on a monthly basis. “I can definitely see us hanging out there, retiring and traveling, and then renting the main house,” she says.

Could an Empty Garage Solve Housing Crisis?

That empty garage being used for storage may be the answer to a housing shortage that is ailing markets across the country, housing analysts say. Several communities nationwide are considering lifting zoning requirements to allow more accessory dwelling units or ADUs, which would permit adding extra housing onto an existing home.

California, facing an epic housing shortage, is one state actively pursuing the idea. A recent report from the California Housing Partnership says that the state needs 1.4 million more affordable rental homes to meet current population needs. California lawmakers have been relaxing their laws to allow more ADUs – whether that’s a garage conversion, backyard cottage, an in-law apartment or granny flat that could be added onto an existing home. Calif. Gov. Gavin Newsom has signed a law to urge greater construction of ADUs.

Companies are now stepping in to help. One project under way, called United Dwelling, enters into a partnership with a homeowner and pays for the garage conversion. Once it is converted into a living area, they’ll then manage the rental of the apartment to a tenant and split the rent with the homeowner. The company received a million-dollar grant last year from Los Angeles County to help grow its garage conversions in the area.

ADUs have been regarded not only as a way for homeowners to generate extra income but also as a place for young adults who move back home or aging parents who want to move in. ADUs could also help provide greater affordable housing to low-income populations in need, housing analysts say.

However, one common complaint regarding affordable housing has been the impact to neighboring properties, including having more people living on one property and street parking issues.

“While nonprofit housing developers prioritize multifamily developments, we support ADUs as one of many tools that can help address our housing crisis, given the staggering deficit of units across California for people of all incomes,” Alan Greenlee, executive director of the Southern California Association of Nonprofit Housing, told The New York Times. “Notably, ADUs can help achieve greater density of units in neighborhoods that are primarily zoned for single-family homes.”

More Gratitude = Better Life

Ralph Waldo Emerson once said that to achieve contentment, one should “cultivate the habit of being grateful for every good thing that comes to you, and to give thanks continuously.”

Turns out Emerson – who explored the meaning of a good life in much of his work – wasn’t far off when it comes to what we now know about counting our blessings. Research continually finds that expressing thanks can lead to a healthier, happier and less-stressed lifestyle.

“Life is a series of problems that have to be solved – and a lot of times those problems cause stress,” Robert Emmons, a gratitude researcher and psychology professor at the University of California, Davis, says. “Gratitude can be that stress buster.”

The way we celebrate holidays often includes a rhetoric of adopting an attitude of gratitude – but what about after the leftovers and family china have been put away? How do we, as Emerson advised, be thankful for each thing that contributes to our lives?

We can cultivate gratitude on a regular basis.Research shows that writing down what you’re thankful for can lead to a multitude of wellness benefits. Keeping a gratitude journal can reinforce positive thoughts – something particularly helpful as the brain tends to naturally focus on what goes wrong. Putting pen to paper can also help you make more progress as you work toward personal goals.

To reap the full benefits of journaling, Emmons recommends writing for five to 10 minutes every other day. “You really need to commit to doing it, and if you write it down eventually it will become more automatic,” Emmons says. “It’s like exercise – you’re not just going to get up one morning and go running, you need to have a plan. You need to have a gratitude action plan, whether it’s waking up and writing in the morning or in the evening before you go to sleep – no one size best fits all.”

Expressing gratitude may generate more optimism, but thankful people also don’t shy away from the negative. Emmons says that while we often associate gratitude with focusing on the good and avoiding the bad, the key to leading a thankful life is embracing setbacks as part of your overall journey. Emmons suggests recalling a hard time you once experienced – chances are, you’ll start to feel grateful for your current state and overcoming former challenges.

Thankful people know they didn’t get to where they are by themselves – and they make it a habit to spend time with those people who matter most. “Gratitude really helps us connect to other people,” Emmons says. “It actually strengthens relationships and relationships are the strongest predictors of happiness and coping with stress.”

Expressing appreciation for loved ones can also help create a closeness by allowing others to see how you look at them. “More than other emotion, gratitude is the emotion of friendship,” Michael E. McCullough, a University of Miami researcher, told the New York Times in 2011. “It is part of a psychological system that causes people to raise their estimates of how much value they hold in the eyes of another person.”

Stating how much you appreciate your loved ones pays off. A recent study published in the journal Personal Relationships found that couples who expressed gratitude in their relationship had better marriages. Higher levels of thankfulness in the relationship also seemed to reduce men and women’s likelihood of divorce.

In our plugged-in culture, it’s impossible to avoid social media altogether. However, Emmons says, thankful people mindfully take advantage of these networks. ”Thankful people] use whatever cues that exist in everyday environments to trigger grateful thoughts,” he says. “Pictures and information on social media – that’s a very good way to do it.”

Research has found that positive thoughts shared on social media spread faster than than negative – something that makes the gratitude process a lot easier when turning to the Internet. Emmons suggests assembling an archive of postings on Facebook and Instagram to pull from when you need a reminder to be grateful. This method will help you cue happy memories through pages that you normally visit on a daily basis. “Technology and devices are criticized because you’re less connected, but if used correctly I think it can be the opposite,” Emmons said.

Know the value of the little things.There’s power in the small, ordinary moments, like catching the subway before the doors close or your pet greeting your happily when you get home. Look for things to add to your gratitude list, then help others appreciate them, too.

Small acts of kindness make a difference in a big way when it comes to cultivating gratitude. Thankful people make it a habit to acknowledge and pay forward each bit of kindness that comes their way, whether it’s a simple compliment, help on a task or getting flowers “just because.” Research shows this type of kindness makes both you and the other person happier.

Everyone needs a little help sometimes – and grateful people know there’s no better way to acknowledge this than by actively doing something about it. In his book Thanks!, Emmons notes that those who volunteer often feel grateful for the experience to give back. “Since service to others helped them to find their own inner spirituality, they were grateful for the opportunity to serve,” he wrote.

As research published in BMC Public Health points out, volunteering can result in lower feelings of depression and increased overall well-being. Emmons suggests examining your own talents and using them to help others, noting that people become more grateful as givers rather than receivers.

They may not seem similar, but gratitude and fitness can go hand-in-hand. According to Emmons’s 2003 study, people who practiced gratitude also engaged in more exercise. The results also found that study participants had fewer dietary restrictions and were less likely to smoke or abuse alcohol.

Exercising has been proven to clear your mind and reduce stress, all key components in setting yourself up for gratitude. Thankful people who move their feet experience an overall healthier mind and body, therefore making gratitude one of the best medicines, Emmons says.

Grateful people know that their thankful attitude can also fuel self-compassion. A study published in the journal Personality and Individual Differences found that higher levels of gratitude were associated with greater self-esteem. And it’s no wonder: When your well-being is a priority, you can’t help but feel great.

Thankful for being the person that you are should be at the top of your gratitude list.

Family, Our Rock

Every family, it seems, has its black sheep. There’s the grouch, the boozer, the nay-sayer, the doper, the miser, the “me, me, me” and the just downright disagreeable.

But when you come down to it, they are with us in good times and in bad. They are our advocates, our defenders, our supporters when we’re up against the wall. They are family.

Mary Karr reminds us that “A dysfunctional family is any family with more than one person in it.” While it’s easy to agree with such cynicism, there are a multitude of reasons not to.

Country Living rounded up a plethora of quotes about family that remind us that family is, indeed, our rock.
“The memories we make with our family is everything,” said actress Candace Cameron Bure. Philanthropist Peter Buffett says “It didn’t matter how big our house was; it mattered that there was love in it.” Both of those quotes would be great to read to anyone in your family – especially on Thanksgiving Day.

Here are many more thoughts about family to ponder and cherish.

Lisa Weed — “Being a family means you are a part of something very wonderful. It means you will love and be loved for the rest of your life.”

Pope John XXIII — “The family is the first essential cell of human society.”

Wanda Hope Carter — “Family and friends are hidden treasures, seek them out and enjoy their riches.”

Marge Kennedy – The informality of family life is a blessed condition that allows us all to become our best while looking our worst.

Friedrich Nietzsche — “In family life, love is the oil that eases friction, the cement that binds closer together, and the music that brings harmony.”

Stitch, ‘Lilo and Stitch’ — “’Ohana’ means family and family means nobody gets left behind or forgotten.”

Walt Disney — “Life is beautiful. It’s about giving. It’s about family.”

Lee Iacocca — “The only rock I know that stays steady, the only institution I know that works, is the family.”

Jane Howard — “Call it a clan, call it a network, call it a tribe, call it a family: Whatever you call it, whoever you are, you need one.”

‘Coco’ (2017) — “We may have our differences, but nothing’s more important than family.”

José Carreras — “I have a wonderful shelter, which is my family.”

Reba McEntire — “I don’t think quantity time is as special as quality time with your family.”

Trenton Lee Stewart — “Family members can be your best friends, you know. And best friends, whether or not they are related to you, can be your family.”

Kelly Clarkson — “My friends and family are my support system… Without them I have no idea where I would be.”

Barbara Bush — “At the end of your life, you will never regret not having passed one more test, not winning one more verdict or not closing one more deal. You will regret time not spent with a husband, a friend, a child, or a parent.”

Louis Zamperini — “The world, we’d discovered, doesn’t love you like your family loves you.”

Marjorie Pay Hinckley — “Home is where you are loved the most and act the worst.”

Marge Kennedy — “In truth, a family is what you make it. It is made strong, not by number of heads counted at the dinner table, but by the rituals you help family members create, by the memories you share, by the commitment of time, caring, and love…”

Leonard Cohen — “May you be surrounded by friends and family, and if this is not your lot, may the blessings find you in your solitude.”

Candace Cameron Bure — “The memories we make with our family is everything.”

Burmese Proverb — “In time of test, family is best.”

Michael Imperioli — “My family is my life, and everything else comes second as far as what’s important to me.”

Albert Einstein — “Rejoice with your family in the beautiful land of life.”

Peter Buffett — “It didn’t matter how big our house was; it mattered that there was love in it.”

Guy Lafleur — “When trouble comes, it’s your family that supports you.”

Maya Angelou — “I sustain myself with the love of family.”

Jodi Picoult — “My mother used to tell me that when push comes to shove, you always know who to turn to. That being a family isn’t a social construct but an instinct.”

Mother Teresa — “What can you do to promote world peace? Go home and love your family.”

Elizabeth Berg — “You are born into your family and your family is born into you. No returns. No exchanges.”

Haniel Long — “So much of what is best in us is bound up in our love of family, that it remains the measure of our stability because it measures our sense of loyalty.”

Winston S. Churchill — “There is no doubt that it is around the family and the home that all the greatest virtues, the most dominating virtues of human, are created, strengthened, and maintained.”

Paul Pearsall — “Our most basic instinct is not for survival but for family.”

Barbara Bush — “When all the dust is settled and all the crowds are gone, the things that matter are faith, family, and friends.”

Anthony Liccione — “Everyone needs a house to live in, but a supportive family is what builds a home.”

Mario Puzo — “The strength of a family, like the strength of an army, is in its loyalty to each other.”

Richard Bach — “The bond that links your true family is not one of blood, but of respect and joy in each other’s life.”

J.K. Rowling — “Family is a life jacket in the stormy sea of life.”

George Bernard Shaw — “Family means no one gets left behind or forgotten.”

Barbara Bush — “To us, family means putting your arms around each other and being there.”

Alex Haley — “The family is link to our past, bridge to our future.”

Michael J. Fox — “Family is not an important thing. It’s everything.”

Brad Henry — “Families are the compass that guides us. They are the inspiration to reach great heights, and our comfort when we occasionally falter.”

Les Dawson — “Families are like fudge – mostly sweet with a few nuts.”

Desmond Tutu — “You don’t choose your family. They are God’s gift to you, as you are to them.”

Rod Stewart — “You go through life wondering what is it all about but at the end of the day it’s all about family.”

George Santayana — “The family is one of nature’s masterpieces.”

Anthony Brandt — “Other things may change us, but we start and end with the family.”

George Bernard Shaw — “A happy family is but an earlier heaven.”

John Wooden — “The most important thing in the world is family and love.”

Happy holidays to you and your family!

Big Three Shopping Days

Black Friday, the day after Thanksgiving Day in the United States, has been regarded as the beginning of America’s Christmas shopping season since 1952, although the term “Black Friday” didn’t become widely used until more recent decades.

It’s twin, Cyber Monday, refers to the Monday following the Thanksgiving Holiday. Ellen Davis of the National Retail Federation and Scott Silverman coined the term which made its debut on Nov. 28, 2005, in a Shop.org press release. Cyber Monday was intended to boost online shopping.

First observed in the United States on Nov. 27, 2010, Small Business Saturday is a counterpart to Black Friday and Cyber Monday, which feature big box retail and e-commerce stores respectively. Small Business Saturday encourages holiday shoppers to patronize brick and mortar businesses that are small and local. Small Business Saturday is a registered trademark of American Express.

The earliest known use of “Black Friday” to refer to the day after Thanksgiving occurs in the journal, Factory Management and Maintenance, for November 1951, and again in 1952. Here it referred to the practice of workers calling in sick on the day after Thanksgiving, in order to have a four-day weekend. However, this use does not appear to have caught on. Around the same time, the terms “Black Friday” and “Black Saturday” came to be used by the police in Philadelphia and Rochester to describe the crowds and traffic congestion accompanying the start of the Christmas shopping season.

Many stores offer highly promoted sales on Black Friday and open very early, such as at midnight, or may even start their sales at some time on Thanksgiving. Black Friday is not an official holiday, but California and some other states observe “The Day After Thanksgiving” as a holiday for state government employees, sometimes in lieu of another federal holiday, such as Columbus Day. Many non-retail employees and schools have both Thanksgiving and the following Friday off, which, along with the following regular weekend, makes it a four-day weekend, thereby increasing the number of potential shoppers.

Black Friday has routinely been the busiest shopping day of the year in the United States since 2005. Inaccurate reports often have described it as the busiest shopping day of the year for a much longer period of time. Similar stories resurface year.

In 2014, spending volume on Black Friday fell for the first time since the 2008 recession. Data shows $50.9 billion was spent during that 4-day Black Friday weekend, down 11% from the previous year. However, the U.S. economy was not in a recession. Christmas creep has been cited as a factor in the diminishing importance of Black Friday, as many retailers now spread out their promotions over the entire months of November and December rather than concentrate them on a single shopping day or weekend. This year there have been many so-called”black Friday” promotions following Halloween.

In the early 1980s, as the phrase became more widespread, a popular explanation became that this day represented the point in the year when retailers begin to turn a profit, thus going from being “in the red” to being “in the black”.

For many years, it was common for retailers to open at 6 a.m. on Black Friday, but in the late 2000s many had crept to 5 or 4. This was taken to a new extreme in 2011, when several retailers (including Target, Kohl’s, Macy’s, Best Buy, and Bealls) opened at midnight for the first time. In 2012, Walmart and several other retailers announced that they would open most of their stores at 8 p.m. on Thanksgiving Day, prompting calls for a walkout among some workers. In 2014, stores such as JCPenney, Best Buy, and Radio Shack opened at 5 PM on Thanksgiving Day while stores such as Target, Walmart, Belk, and Sears opened at 6 PM on Thanksgiving Day. Three states, Rhode Island, Maine and Massachusetts prohibit large supermarkets, big box stores, and department stores from opening on Thanksgiving, due to what critics refer to as blue laws. The Massachusetts ban on forcing employees to work on major holidays is not a religion-driven “blue law” but part of the state’s Common Day of Rest Law.

According to the Shop.org/Bizrate Research 2005 eHoliday Mood Study, “77 percent of online retailers said that their sales increased substantially on the Monday after Thanksgiving, a trend that is driving serious online discounts and promotions on Cyber Monday this year (2005)”.

In 2017, Cyber Monday online sales grew to a record $6.59 billion, compared with $2.98 billion in 2015, and $2.65 billion in 2014. However, the average order value was $128, down slightly from 2014’s $160.

Cyber Monday has become the online equivalent to Black Friday and offers a way for smaller retail websites to compete with larger chains. Since its inception, it has become an international marketing term used by online retailers across the world.