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  • FYI Miami: December 11, 2025

    Written by Miami Today on December 10, 2025

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    FYI Miami: December 11, 2025

    BRICKELL LAND CHANGES: Three more Brickell area properties were brought under county land use controls last week, including two that are pivotal to the development of the $2.5 billion, 58-story Citadel office tower at 1201 Brickell Bay Drive. County commissioners last week unanimously approved the changes without discussion. The vote is part of a county policy to promote higher use densities and transit-oriented developments near transit hubs. In the cases of 170 and 186 SE 12th Terrace and 238 SW 13th Street, the sites’ owners all sought the change in property controls and the increased densities that they allow. All three properties are within a five-minute walk of a Metromover station, county legislation says. 

    MITIGATION BANK STUDY: Miami-Dade will study using park lands as a county-owned wetlands mitigation bank that could sell scarce mitigation credits to developers who need them to meet regulatory requirements. Commissioners voted 11-0 last week without discussion to direct Mayor Daniella Levine Cava to evaluate park use for a mitigation bank and report back within 60 days. In mitigation banking, environmental enhancement and preservation to mitigate for wetlands impacts within a defined region earn credits that can be used elsewhere. Florida has more than 160 mitigation banks, yet mitigation credits are scarce here, and developers often wind up on waiting lists to buy them. 

    LIGHTING UP THE KEY: The 200th anniversary of the first lighting of the Cape Florida Lighthouse on Key Biscayne will be celebrated Dec. 17 with a broad-based birthday party. The Coast Guard plans a fly-over, the director of Florida’s state parks and Miami-Dade County Commissioner Raquel Regalado are to speak, the Juggerknot Theater Company will present an immersive theater experience, celebrants will have a champagne toast and more. The celebration is from 5 p.m. to 8:30 p.m. at the lighthouse in Bill Baggs State Park, organized by the Friends of Cape Florida. Details: (786) 367-6829. 

    THEMATIC ZONING PLAN: Legislation by Danielle Cohen Higgins seeking a process to develop a thematic zoning district in her South Dade commission district passed 11-0 last week with no discussion. Her legislation noted that in a Jan. 29 memo Mayor Daniella Levine Cava had recommended that such thematic zoning districts in unincorporated areas be developed through neighborhood planning to recognize their unique characters. The first community meeting on such a district is to be held within 90 days after her resolution passed.

    These are some of the FYIs in this week’s edition. The entire content of this week’s FYIs and Insider sections is available by subscription only. To subscribe click here.

    Miami Today

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  • Filming in Miami: December 11, 2025

    Written by Miami Today on December 10, 2025

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    Filming in Miami: December 11, 2025

    These film permits were issued last week by the Miami-Dade County Department of Regulatory & Economic Resources’ Office of Film and Entertainment, (305) 375-3288; the Miami Mayor’s Office of Film, Arts & Entertainment, (305) 860-3823; and the Miami Beach Office of Arts, Culture and Entertainment-Film and Print Division, (305) 673-7070.

    • Easy Monday, New York. Commercial for Anzupgo. Amelia Earhart Park. 
    • Stir Films, Boston. Commercial for Stir Films. Port of Miami.
    • The Lovely Wors, Brooklyn, NY. Still photography for Speedo. Haulover Beach Park.
    • The Production Factory, Miami Beach. Still photography for Primark Swim. Crandon Park Beach.

    Miami Today

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  • New initiative called Drink & Dine Passport to help bring more business to AMI

    MANATEE COUNTY, Fla. — You won’t need a plane ticket for this passport… just an appetite.

    Small businesses on Anna Maria Island are offering special discounts through a Drink & Dine Passport.

    It began last month to bring more people to the island’s restaurants.


    What You Need To Know

    • Small businesses on Anna Maria Island are offering special discounts through a Drink & Dine Passport
    • Anna Lichnowski started the initiative to help small businesses that were impacted by Hurricane Helene
    • Those interested can purchase the Drink & Dine Passport online or in person at the Coquina Beach Market on Dec. 12 and Dec. 19 from 10 a.m. to 2 p.m.

    For 35 years, Sam Marchi has been making and serving food with the same family recipes passed down through generations.

    “Yeah, this is what we do. And I think we’re pretty good at it,” he said.

    He’s the owner of Pizzano’s Pizza & Grinderz. While his business has other locations, this one in Holmes Beach has been going through ups and downs since rebuilding after it was flooded by Hurricane Helene.

    “It’s been a rough year. Things have been a little bit off. You know, I think that’s just for everybody in general on the island,” he explained.

    So Marchi and other businesses on the island agreed to participate in what’s called the Drink & Dine Passport.

    Each business creates custom discounts, and people who purchase the passport can redeem each offer once.

    So far, more than 120 people have purchased one.

    “There is a lot of demand. People are excited,” said founder Anna Lichnowski.

    Lichnowski first thought of the idea after experiencing firsthand what natural disasters can do.

    “We come from a small town. It was impacted by Hurricane Sandy back in 2012. We know how hard it is to recover as a small business,” she explained.

    She says it’s all about encouraging people to shop local.

    Around 30 Anna Maria Island businesses are part of the passport, each offering different food and drink discounts.

    “They all want more business. They need more business,” she said.

    The passport costs $25 and covers up to four people in a family.

    Marchi says he’s giving a 10% discount off orders when customers show the passport.

    “I think it’s going to help us. It’s going to draw new customers in. And obviously, any new customers help all the island businesses,” he said.

    Marchi knows that any initiative to help island businesses regain strength is something he wants to support.

    Those interested can purchase the Drink & Dine Passport online or in person at the Coquina Beach Market on Dec. 12 and Dec. 19 from 10 a.m. to 2 p.m.

    Julia Hazel

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  • Video: Trump Attacks Fed Governors Ahead of Key Interest Rate Meeting

    new video loaded: Trump Attacks Fed Governors Ahead of Key Interest Rate Meeting

    transcript

    transcript

    Trump Attacks Fed Governors Ahead of Key Interest Rate Meeting

    During a speech in Pennsylvania focused on the economy, President Trump criticized the Fed chair, Jerome Powell, and four other members. The attack came as the Fed prepares to reveal new interest rates.

    “We have a bad head of the Fed. You know who ‘too late’ is? ‘Too late’ Powell? Jerome ‘too late’ — he’s too late with his interest rates for a reason. He’s a bad guy. He’s not a smart guy, but he’s a bad guy. Well, this is a nice crowd.” “I think the risk of of higher, more persistent inflation has declined.” “I just heard it could be that all four commissioners in the Fed signed by Biden — I hear that the autopen… … They put people there that are not authorized to be there.”

    During a speech in Pennsylvania focused on the economy, President Trump criticized the Fed chair, Jerome Powell, and four other members. The attack came as the Fed prepares to reveal new interest rates.

    By Shawn Paik

    December 10, 2025

    Shawn Paik

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  • Millions of Borrowers in Biden’s SAVE Plan Would Start Paying Under New Settlement | KQED

    The American Enterprise Institute, AEI, recently published an analysis of the latest federal student loan data: In addition to the 5.5 million borrowers who are currently in default, another 3.7 million are more than 270 days late on their payments and on the edge of default. Another 2.7 million borrowers are in the earlier stages of delinquency. In all, some 12 million borrowers are worryingly behind.

    Transcript:

    SCOTT DETROW, HOST:

    There’s big news today for millions of federal student loan borrowers. The U.S. Department of Education says it’s reached a proposed settlement. It would end a Biden-era repayment plan that has been tied up in the courts for more than a year. NPR’s Cory Turner has been following the story and joins us now. Hi, Cory.

    CORY TURNER, BYLINE: Hello.

    DETROW: Before we get to the news of the settlement, remind us what this repayment plan was and why it ended up in court.

    TURNER: Yeah. It’s the Saving on a Valuable Education plan, but it’s better known as SAVE. It was the most flexible and generous of all the income-driven repayment plans. It promised fast-tracked loan forgiveness, monthly payments as low as $0 for low-income borrowers. But it turns out, Scott, it was so generous that Republican state attorneys general sued the Biden administration, arguing in court it was too generous and that if Congress had wanted to create a plan like this, it would have.

    And so SAVE has been in legal limbo ever since. Now though, you know, President Trump’s Education Department agrees with those Republican AGs, and so they appear to have cut a deal. Under Secretary of Education Nicholas Kent said in a statement announcing the proposed settlement today, quote, “American taxpayers can now rest assured they will no longer be forced to serve as collateral for illegal and irresponsible student loan policies.”

    DETROW: There’s probably a lot of people listening who are enrolled in the SAVE plan. What do they need to know?

    TURNER: Well, they’re in good company. There are about 7 million borrowers still in SAVE. So this agreement is a big deal, pending court approval. It’s also worth saying many of these borrowers haven’t had to make payments in years because of the legal limbo I just mentioned, during which they didn’t have to make payments. But that followed on the heels of the long pandemic payment pause. Not only, though, is this going to be a financial stretch for many borrowers, it’s going to be a huge logistical challenge for the servicing companies that manage the federal student loan portfolio.

    I was talking earlier today with Scott Buchanan. He’s head of the Student Loan Servicing Alliance, and he told me it’s going to be bumpy. That was his word. He said SAVE borrowers are going to have a ton of questions. They will need a ton of handholding to get back into repayment. And part of the problem here is the options available to them are a little murky. Republicans’ One Big Beautiful Bill Act created two new repayment plans, but they’re not going to roll out till July, which is too late for the purposes of SAVE borrowers now. Meanwhile, borrower advocates were sounding in the alarm today. Here’s Persis Yu with the group Protect Borrowers.

    PERSIS YU: The reality is, is that the SAVE plan was created because the other plans were unaffordable for millions of borrowers. So many borrowers are going to be in the difficult spot of making this decision about whether or not to stay current on their loans or feed their families and keep a roof over their head.

    TURNER: And Scott, this settlement lands at a time when millions of other borrowers are already way behind on their loan payments.

    DETROW: Yeah. Do we have a sense of what exactly is going on there?

    TURNER: Yeah. According to the latest tranche of data from the Education Department, some 12 million borrowers are either really behind on their payments or already in default. That’s at least a quarter of all federal student loan borrowers. And everybody I talk to on both sides of the aisle here say this is a crisis. And now we’re talking about how to get these 7 million SAVE borrowers, many of whom are low-income, back into repayment. This is going to be an incredible test for the department and obviously for these borrowers. And my best advice right now to these borrowers is to go to studentaid.gov and start reading up on the other repayment plans out there so you know what your options are.

    DETROW: That is NPR education correspondent Cory Turner. Thank you so much.

    TURNER: You’re welcome.

    (SOUNDBITE OF FREDDIE GIBBS AND MADLIB SONG, “GAT D***”)

    Ki Sung

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  • Late filers: Get your back taxes sorted before year-end – MoneySense

    Consider the following: 

    The backdrop. Under the Income Tax Act, the normal reassessment period is three years from the date the notice of assessment or reassessment is mailed or received. However, under the taxpayer relief provisions, it is possible to request adjustments for errors or omissions for personal returns for 10 years. 

    Tax year 2015 in focus. Tax year 2015 will become statute-barred under the 10-year taxpayer relief provisions after December 31, 2025. That means, for the 2015 tax year, the following opportunities to save tax dollars now and in the future will be lost:

    1. Tax refunds owed to you for the 2015 tax year.
    2. The opportunity to build RRSP contribution room for tax year 2015, which reduces the potential for retirement income security in the future.
    3. Deductions and non-refundable tax credits that have “carry over” legs attached to them, such as moving expenses, medical expenses, charitable donations and political contributions.
    4. Refundable tax credits owed such as Canada Child Benefit, GST/HST Credit, Canada Workers Benefit, and refundable medical expense supplement.
    5. Unreported losses including capital and non-capital losses will not be available to offset their respective income sources for 2015 or for carry-over purposes. This can significantly increase future taxes payable in some cases.
    6. The opportunity to use the lifetime capital gains exemption for dispositions that occurred in 2015. 
    7. AMT (Alternative Minimum Tax) carry-forwards from prior years can no longer be applied to 2015.

    Spousal returns could be affected. When one spouse fails to file, it means that household income is not properly reported for income-tested provisions. If the spouse who filed on time didn’t estimate their missing spouse’s net income properly, it is possible some of the tax preferences received by spouse who filed on time will have to be repaid in the event of a CRA audit, and/or taxes payable will be increased. In some situations, for example when certain properties are transferred or there are joint financial transactions, spouses may also liable for each other’s tax debts. 

    Income Tax Guide for Canadians

    Deadlines, tax tips and more

    Provincial tax credits have different rules. Not all provisions on the federal T1 return qualify for a 10-year adjustment for errors or omissions. The normal reassessment period for federal returns— three years from the date of the original notice of assessment—is all that is available for these purposes in most provinces. In Quebec that reassessment period is four years.  

    Pension income splitting with spouse. Certain elections that can reduce your taxes have different filing rules as well. For example, optimization of pension income splitting or joint elections to do the income splitting on Form T1032 have a three-year window only—that is, three calendar years after the filing due date. In the 2023 tax year for example, which had a filing deadline of April 30, 2024, adjustments can only be made for tax years 2024, 2025 and 2026. Taken another way, by April 30, 2026, adjustments for this provision can only be made for calendar year 2025, 2024, and 2023. 

    Beware the loss of social benefits. It is only possible to go back 11 months to claim missed Old Age Security (OAS) benefits that were not deferred, unless there was a severe incapacity that kept the senior from applying for the benefits. OAS is income-tested; that is, a clawback of the benefits you are entitled to may occur when net income exceeds certain thresholds for the year. So, filing a tax return is necessary.

    Other social benefits include the new Canada Dental Care Plan (CDCP) and the Canada Disability Benefit (CDB).  

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    • Under the CDCP, the CRA may reconsider an entitlement if you apply within 24 months after the benefit period ends. However, if a false or misleading statement was made, the government has 72 months (six years) to recover this tax debt from you. 
    • The CDB, available since July 2025, allows for retroactive payments for up to 24 months if you were eligible during that time, starting in July 2025. Again, the government has a six-year limitation period to recover any overpayments from beneficiaries.

    Why late filing is generally a bad idea

    It always pays to file a tax return on time for the reasons above. The missed deadlines can cost even more when timelines for other provisions come into play. Overdue taxes owing attract big penalties and interest. There are a number of expensive penalties that can pile up—with compounding interest charges and of course the taxes themselves due—for people who owe money to the CRA and miss filing their returns. These may be deemed one or more of:

    • Gross negligence. This is a civil penalty CRA can levy for turning a blind eye to tax filing obligations. It is calculated at 50% of the taxes due. Interest compounded at the prescribed rate plus 4% more can turn the tax balance due into a rapidly snowballing problem. Late filing penalties are of course added on as well.
    • Tax evasion. Other punitive penalties that may be possible in the case of deceit include tax evasion, which results in a penalty worth 200% of the taxes owing plus compounding interest plus civil penalties and up to five years in jail.
    • Tax fraud. Under Section 380 of the Criminal Code, delinquent tax filers may receive a sentence of up to 14 years in prison. Other consequences include fingerprinting and foreign-travel restrictions.

    To pay the least possible when you owe CRA, first have a tax specialist confirm the taxes were assessed correctly by the agency (sometimes they aren’t, due to missing information or certain gray areas in the law). Then pay quickly. 

    Bottom line

    Always bear in mind that access to any tax preferences and benefits starts with filing a tax return. Plan well before the end of 2025 to catch up. File missed tax returns or request adjustments for errors or omissions. There might even be a little financial freedom coming your way compliments of CRA in 2026. 

    Get free MoneySense financial tips, news & advice in your inbox.

    Read more about how to minimize taxes:



    About Evelyn Jacks, RWM, MFA, MFA-P, FDFS


    About Evelyn Jacks, RWM, MFA, MFA-P, FDFS

    Evelyn Jacks is President of Knowledge Bureau, a world-class financial education institute where readers can take micro-credentials in Financial Literacy, the Fundamentals of Income Tax Preparation, and earn career-enhancing Specialized Credentials, all online.

    Evelyn Jacks, RWM, MFA, MFA-P, FDFS

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  • The Modern Job Hunt: Part 2

    (Read Part 1 here)

    By the 10-month mark of her job search, Ellis still lacked full-time employment. But she had accumulated a pile of knowledge and advice that she wished she’d started with. She felt it was important to share, in hopes that even one person might save some time and sanity:

    • This is your new normal. Take time to grieve your loss and accept this change. Act and plan as if this situation were permanent. It isn’t, of course, but it does you no good to think that surely you won’t be at this long, you’ll definitely have a job by such and such time, etc. Minimize your expenses now: instead of viewing it as deprivation, make a game out of creative frugality. Do whatever it takes to preserve your physical and mental health. Remember your inherent worth as a living being, and rest assured that this does not diminish it in any way. Know that thousands, if not millions, are in this boat with you: people with decades of experience, people fresh out of school, people with doctorates, they’re all struggling. Some have been searching for years and have cast thousands of applications out there, to no avail. This isn’t meant to scare or depress you. This is to properly set your expectations.
    • Take the time to decide what you REALLY want for the future. You might have to fight against a lot of panic or other tough emotions to do this, but it would help to consider your current assets, your full range of options, and your heart’s desires first. What did you like/dislike about your past experience that might inform the sorts of things you would/wouldn’t want in whatever comes next? Is there anything you’ve dreamed of doing? Is there any sort of work that calls to you, that you gladly would do even if you weren’t paid for it? Are you thinking that maybe this might be the time to start your own business, go freelance, return to school, change careers, or retire? This may be a golden opportunity to pivot into something new and exciting.
    • Work your network. This is the cheat code, as most jobs are not obtained by people coming in cold. If a friend or coworker can give you a referral somewhere, you might get to skip a lot of hassle. As your job search lengthens, keep telling people that you’re available.
    • Go back to basics. Don’t assume that because you’ve job-hunted before that you know what you’re doing with respect to resumes, cover letters, interviews, portfolios, LinkedIn, etc. AI has completely changed everything. If you can get help with this stuff, by all means do so. Before paying for anything, look for free career counseling and job leads offered by nonprofits or other agencies near you. Your library might offer career help and free courses through platforms like LinkedIn Learning. You can find tons of tutorials on YouTube for skills you may be lacking, and you can often audit college courses for free.
    • Ask for help. Get comfortable asking for whatever you may need. Most people want to help you, if they only knew how. Times like these are when you learn how wonderful people can be.
    • Streamline your search. Fake job postings are rampant. Avoid looking for or applying to jobs through LinkedIn. Check sites like Welcome to the Jungle, Jobgether, and Remote Rocketship for leads (feel free to share your own favorite lead-generators in the comments). Once you find a promising listing, go to the company’s website and look for it there. Assuming you find it, save yourself some time by skipping straight down to the Qualifications list. Do you satisfy all or most of those? If not, move on. If so, read the rest of the listing to see if it’s a good match for you. Apply directly from the company’s website, making sure your resume contains their list of must-haves word-for-word. AI will be evaluating your application long before any human being touches it.
    • Beware scams. They are everywhere and take all forms. For instance, you may be tempted to apply to one of those AI-training jobs for side cash, but they will simply take your data and ghost you. Scammers also come at you by phone, email, and text. If it’s unsolicited and/or too good to be true, it’s probably fake. Always verify the source of every job-related communication.
    • If you make it to the interviewing stage, expect a gauntlet of at least four to get through. Thanks, Google! If you’re in need of a laugh, take an interview lesson from the all-time champion himself, George Costanza.
    • You will face rejection constantly. Even if you view rejection as a positive force in your life for growth, it’s still hard to take sometimes. Whatever you feel is valid.
    • Ghosting is also normal. Even for those who’ve already been through several rounds of interviews, who felt like they really nailed it, or were even told to expect an offer. Prepare yourself.

    Even though Ellis had resolved to look more seriously into remaining freelance, she hadn’t been able to help throwing resumes at full-time job postings whenever a promising one surfaced. After all, some income and benefits would really help while figuring out the freelance thing, right?

    Unfortunately, she got so caught up in this tech writing assignment, that interview, that her new adventure wasn’t just relegated to the side, it was fully ejected from her consciousness. And for what? For companies that forgot all about her when she failed to meet all of their mysterious criteria. Poof. Hours of study and research up in smoke, hopes crushed.

    Clutter accumulated on her computer and around her normally neat house. Every time she looked at one of these objects out in the open, her brain spun off 14 new threads. I have to take that downstairs … Oh! There’s no room in that drawer, I’ll have to clean it out first. Also gotta clean my eyeglasses while I’m there. No wait, I was gonna write that email! Oh wait, tomorrow, I’m going to the gym today. Lemme write this down. Where’s my laptop?

    Along with stress came resentment and frustration from a sense of never accomplishing anything. Finally, Ellis forced herself to stop and pay attention. She’d gone seriously off-course. Her feelings were telling her that if she persisted in this job search, she’d be betraying some deep truth about herself. What was it, exactly?

    Being a storyteller, it helped her to consider her own tale. She realized that at the end of her life, she absolutely would not be satisfied saying, “Man, I’m glad I left all those software manuals to the world.” With whatever time she had left, she wanted to center her gifts first and foremost, never again relegating them to the periphery. She wanted to leverage them to help others, find ways to build community, serve the world in ways that mattered deeply to her and aligned with her values. She wanted to further free herself from society’s shoulds and have-tos.

    Her last full-time gig would’ve given her five weeks of vacation. During her job search, how many weeks of vacation had she given herself? Zero, aside from those forced by illness or injury.

    • Do better than Ellis. Give yourself regular sanity breaks. Take in sunlight and nature whenever possible. Do things that make your soul feel alive, that make you wonder where the time went. Laugh! Enjoy “funemployment.”

    Ellis was blessed with financial savings that had carried her thus far. From Thanksgiving to New Year’s, she resolved to give herself the gift of unplugged soul-searching. How did she want to live the rest of her life? How would she leave the world better than how she’d found it? These were the questions she would be asking herself.

    Ellis Morning

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  • Shore Acres residents skeptical of chances at securing storm recovery dollars

    ST. PETERSBURG, Fla. — When the Sunrise St. Pete application process opens December 15, residents will have the chance to request a share of nearly $160 million to help them recover from Hurricanes Idalia and Helene.

    However, people who live in the Shore Acres neighborhood said they’re doubtful it will provide their community some much-needed relief due to income requirements. Funding for the program comes from the U.S. Dept. of Housing and Urban Development.

    A city spokesperson told Spectrum News that HUD specifies that no less than 70% of those funds must go to help low-to-moderate income residents. 


    What You Need To Know

    •  Applications for the Sunrise St. Pete program open December 15
    •  The federally-funded program can provide financial assistance to help residents recover from Hurricanes Idalia and Helene
    •  Money can go toward home rehab, rebuilding, and elevation, as well as repair reimbursements
    • While Shore Acres was hit hard by both storms, people who live in the neighborhood tell Spectrum News they’re skeptical the program will provide them relief due to income requirements


    “They’re income-based. So, they’re not going to qualify for everybody,” said resident Barry Rubin.

    Rubin said Helene marked the first time his home flooded in the nearly 30-years he’s lived in the flood-prone Shore Acres. 

    “Everything is brand new. It’s actually a new house on a very old house shell,” he said of the state of his house today.

    According to Rubin, “everything” includes the walls, floor, paint, fixtures, and electricity – to name just some of the work done to his home.

    Sunrise St. Pete is meant to make at least part of recovery easier for residents. It offers financial assistance to rehab, rebuild, and elevate their homes, as well as reimbursements for repairs.

    A city spokesperson said that per HUD requirements, households that earn up to 80% of the area median income will be given priority. For a family of four, that works out to a yearly income of about $83,000. Some help will also be available for those earning up to 120% AMI, which comes out to about $125,000 for a four-person household.

    Because of that, Shore Acres Civic Association President Kevin Batdorf said he thinks the program will have very little impact in the neighborhood, despite it being hit hard by both storms. Batdorf said the more than 1,200 homes that flooded in Shore Acres during Idalia made up 82% of the total flooded properties in the city during that storm, and residents are still recovering from Helene. Erin Knight said she and her husband were finally able to get back into their home after it was inundated by up to five feet of floodwater.

    “We literally were in a camper. It was a 21-foot camper. It was my husband and me and two dogs from January until about a month ago,” Knight said.

    Knight told Spectrum News she was planning to apply for Sunrise St. Pete but was discouraged by news of the income requirement.

    “We still had to fork out $20,000 on top of around $100,000 out of our own pocket to rebuild this house and then put up flood gates, but yet somehow, we don’t qualify for any of the help,” she said.

    Both Knight and Rubin, along with other neighbors, said they still planned to apply just in case there’s a chance they could see some funding.

    “I’m cautiously, cautiously optimistic, but ‘cautious’ is the main word,” said Rubin.

    While he realizes Sunrise St. Pete is funded by HUD dollars and not city funds, Rubin said he’d like to see the St. Pete work with the federal government to let them know many in hard-hit coastal areas won’t meet income requirements.

    Sarah Blazonis

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  • From Antigua to The Ritz: Hospitality Action’s 2025 Winter Auction Unveils Unforgettable Experiences – Luxury Hospitality Magazine

    This festive season, give the gift of an unforgettable experience while supporting a vital cause as industry charity Hospitality Action launches its much-loved Winter Online Auction for 2025.

    Running from 10am on 19 November to 2pm on 3 December, the auction offers the chance to bid on exclusive experiences, luxurious stays and indulgent dining – the perfect Christmas presents for loved ones, or a treat for yourself.

    This year’s eight star lots include:
    • A seven-night all-inclusive Antigua escape – Royal Suite stay for two at St James’s Club
    • Sea Containers London stay and OXO Tower Tasting Menu for two
    • Weekend escape at St Ermin’s, London – Two-night weekend stay for two in a Deluxe room
    • Chef at Home experience – Private dinner for eight by Chef Paul Leonard
    • 3-Michelin-star dining – Three-course lunch or dinner for two at The Waterside Inn, Berkshire
    • Overnight stay and dinner for two at Seaham Hall, County Durham
    • Junior Suite stay and Michelin dinner for two at Whatley Manor, Cotswolds
    • The Ritz, London – Seven-course dinner with wine pairing for four

    In addition, a £10 raffle offers the chance to win an overnight stay for two at The Montague on the Gardens, London.

    All funds raised will go directly to Hospitality Action, the leading charity supporting hospitality professionals across the UK who are facing financial and mental wellbeing challenges. With the rising cost of living continuing to affect workers in the sector, many are struggling to make ends meet, particularly during the festive period, and that’s where Hospitality Action come in.

    Mark Lewis, Chief Executive of Hospitality Action, said:

    “The Winter Online Auction is one of our favourite annual events. It’s a wonderful way for supporters to enjoy something special while making a real difference to those in hospitality who are struggling. This winter, many of our colleagues face tough choices often between heating, eating and paying bills. Every bid helps us provide the lifeline they need, so please help us to make a difference this Christmas.”

    With over 40 auction lots on offer bid generously and support those who make our hospitality experiences so special.

    The Winter Auction opens at 10 am, Wednesday 19 November and closes at 2 pm, Wednesday 3 December 2025.

    Browse and bid on the incredible prizes here: https://app.galabid.com/wow2025/items

    For more information about Hospitality Action and how individuals and businesses can get involved, please visit www.hospitalityaction.org.uk or email fundraising@hospitalityaction.org.uk

    Sophie Weir

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  • STICKS’N SUSHI SET TO OPEN AT COPENHAGEN AIRPORT – Luxury Hospitality Magazine

    Sticks’n’Sushi will open its first airport restaurant as part of the Terminal 3 expansion at Copenhagen Airport in 2027, marking a big milestone for the Danish-Japanese restaurant group.

    With panoramic runway views, a new bar and a custom-designed concept for travellers, both loyal guests and first-timers can look forward to a fresh destination for sake, sushi and sticks to dine in or take away on their journey.

    The new restaurant will be located at the new extended Terminal 3 at Copenhagen Airport. Centered in the heart of Copenhagen Airport, travellers can pause for a meal or pick up a little taste of Sticks’n’Sushi on their way to the gate or to enjoy on the flight. With a panoramic view of the runway, guests can also stop by the bar for a drink or enjoy a light meal before departure.

    “Copenhagen Airport has been on our wish list for many years, both for me personally and for Sticks’n’Sushi. I remember Kim Rahbek, co-founder and first CEO of Sticks’n’Sushi, and I would spend hours in these terminals, inspired by what was around us and imagining what could be. This opening feels like a homecoming. I’m proud of our Copenhagen team for making it happen, and excited to welcome both new guests and our loyal ‘Frequent Fishers’ to a space that feels unmistakably us,” says Andreas Karlsson, CEO of Sticks’n’Sushi.

    Michael Hertz Clausen, Vice President at Copenhagen Airport comments: “We’re proud to welcome Sticks’n’Sushi, a local success and an international brand, as part of our Terminal 3 expansion where we extend our one-roof airport by 60,000 m². Their strong brand, high quality and distinctive concept are a perfect match for our ambition to offer travellers world-class dining experiences – served fast, full of flavour and with an eye for detail. The location is truly unique, with panoramic views and next to a new outdoor garden space that brings daylight and the Scandinavian nature into the terminal.”

    The new 174-seat restaurant will feature a dedicated bar to serve as an ideal place for meeting over a glass of sake, beer, wine or a cocktail, paired with light dishes designed for time-conscious travellers. The menu will feature popular favourites such as signature maki, grill sticks and sharing bites, along with compact new menu formats and specially developed takeaway options. Guests arriving early will also find a curated selection of dishes inspired by Sticks’n’Sunrise so they will be ready for the first flights of the day.

    The restaurant will include a range of tech-enabled solutions, including digital ordering and self-service features, ensuring quick and seamless service without compromising on quality.

    “We also see the opening at the airport as an obvious opportunity to develop our concept for a new type of guest and introduce passengers from all over the world to our brand. In our preparatory work, we have rethought both technology, design and menu, and we can hardly wait to present the result to the many travellers who pass through the airport every day.” says Andreas Karlsson.

    With this opening, Sticks’n’Sushi is strengthening its presence in Denmark where the group opened its first restaurant on Nansensgade in Copenhagen back in 1994. Today, Sticks’n’Sushi has over 30 restaurants in Denmark, Germany and the United Kingdom with more openings planned.

    Sophie Weir

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  • Amid a national shortage of nurses, nursing apprenticeships are beginning to offer a solution to the problem

    This story was produced in partnership with Work Shift and reprinted with permission. 

    MOBILE, Ala. — Three or four times a week, LaTyra Malone starts her day at Mobile Infirmary hospital at 6:30 a.m. For the next 12 hours, she makes her rounds and visits with patients — asking if they’re in pain, checking vitals, administering fluids. To an outside observer, she appears to be a nurse. 

    But Malone, 37, is a registered nurse apprentice. Everything she has learned how to do in her nursing classes at Coastal Alabama Community College, she can do at the hospital under the supervision of registered nurse Ondrea Berry, her journeyworker — a term typically used in the skilled trades. Unlike most nursing students who complete their required clinical hours in groups for no pay, Malone gets paid as an employee with benefits. She also gets much more personalized, hands-on learning time. 

    “It’s like having a little kid attached to your leg all day,” Berry joked. 

    For Malone, the partnership is invaluable.

    “I learn so much more one-on-one,” Malone said. “I might know the basics of disease processes or why we’re giving a certain medicine, but hearing her break it down to me helps a lot.”

    The pair work largely as a team, alternating duties to allow Malone a chance to observe and practice. By now, Malone knows the ropes pretty well: In addition to her apprenticeship training and classes, she has 16 years of experience as a certified nursing assistant and a medical assistant. And Berry, who is 25, says she benefits from the working relationship too. “There are teaching moments for both of us,” she said.

    Degreed nursing apprenticeships, like the one in Alabama, have emerged nationally as a potential solution to a thorny problem. The national nursing shortage is creeping toward crisis levels, with the demand for RNs like Berry and licensed practical nurses, or LPNs, projected to outstrip the supply for at least the next decade. At the same time, tens of thousands of people like Malone are already working in patient care in hospitals. Many aspire to be nurses — in fact, many certified nursing assistant programs sell the idea that you can start there, quickly land a job and then continue on to become a nurse. 

    But in reality, that’s a huge leap that requires an entirely different admissions process and English, math and science prerequisites that many nursing assistants don’t have. It also assumes that someone working an eight- or 12-hour shift for $18 an hour can find the time and the money for more education.

    “The sort of ‘we are excellent’ ethos in nursing might be self-defeating in that it is weeding out a lot of people who would be amazing nurses,” said Iris Palmer, director for community colleges with the education policy program at New America.

    Ondrea Berry, left, dispenses medication at Mobile Infirmary hospital while LaTyra Malone looks on. As an apprentice, Malone must be supervised by Berry at all times. Credit: Mike Kittrell for Work Shift

    Related: Interested in more news about colleges and universities? Subscribe to our free biweekly higher education newsletter.

    Several states, including Texas, North Carolina and Wisconsin, have begun growing registered apprenticeships in nursing — which have approval from the U.S. Department of Labor — to help address this problem. But no state has done quite as much as Alabama in scaling the model. 

    In 2021, the Alabama Board of Nursing worked with the state legislature to create a nursing apprenticeship license. Normally, nursing students are not licensed until after they graduate and pass a national licensure exam, and therefore they can’t be paid for their supervised clinical hours. The new apprenticeship license allows them to earn while they learn, making nursing school much more accessible for students like Malone and helping to fill critical staffing needs in hospitals.

    Since the law passed, 80 employers and 28 colleges and universities in Alabama have jointly created LPN and RN apprenticeship programs for those who are still working toward a degree. Nearly 450 apprentices — the great majority RNs — have completed the program and passed their exam, with more than 500 currently apprenticing. It’s too soon to say whether apprenticeships will solve the nursing shortage in the state, but early data shows benefits for employers and aspiring nurses alike.

    Mobile Infirmary has had over 90 nursing apprentices since the hospital’s program began in 2022, first with the LPN apprenticeship and soon after with the RN one. Graduates are required to stay at the hospital for one year after the apprenticeship ends, but most are staying beyond that. Only five have left so far, according to Stefanie Willis-Turner, the director of nursing school partnership and programs at Mobile Infirmary. 

    The hospital, like many others, already offered tuition reimbursement for employees who wanted to go back to college and move into nursing or another higher-level position. But such programs have notoriously low uptake, in part because most low-income employees can’t front the cost of tuition and also because many don’t know what steps to take.   

    “It amazed me the number of people that wanted to go back to school but didn’t really know where to get started,” Willis-Turner said. “Having a person to help guide them has really been our trigger, and that’s how we run this program.”

    LaTyra Malone is a two-time apprentice at Mobile Infirmary hospital. Last year, she worked with Ondrea Berry as a licensed practical nurse apprentice while she earned the certification. This year, she is a registered nurse apprentice. Credit: Mike Kittrell for Work Shift

    Willis-Turner played a crucial role in recruiting Malone for the apprenticeship. Malone has wanted to be a nurse since she was a teenager when she was president of her high school’s chapter of HOSA-Future Health Professionals, a global student-led organization that promotes careers in health care. But her plans to become a registered nurse were delayed when she became a mother. The financial burden plus the rigid schedules of nursing school made it difficult to make room for parenting, working and studying.

    With the apprenticeship, Malone doesn’t have to worry about paying for college, and she can provide for her family while improving her nursing skills. Her path stands in stark contrast to that of Berry, who worked at Dairy Queen throughout nursing school to pay for tuition and health insurance. Berry didn’t have kids to take care of, but she also didn’t have financial support from anyone else in her family. Her only on-the-job training in nursing school was the clinical hours, where she joined a group of students who took turns practicing new skills with just one nurse. Berry says she only attempted two IVs in that time. Malone has done so many she can’t count. 

    About 75 percent of the apprentices at Mobile Infirmary over the last three years were already working at the hospital. The rest came from surrounding medical facilities. Some even quit their jobs to transfer to Mobile Infirmary for a better chance at getting into the apprenticeship program. In addition to paying students for their work, Mobile Infirmary pays for any tuition that isn’t covered by scholarships or grants. The hospital also provides two uniforms free of charge. And students know they have a guaranteed job after they graduate and pass the nursing exam. 

    Related: Nurses are in high demand. Why can’t nursing schools keep up?

    This kind of targeted support is what makes the best apprenticeships successful in boosting individual economic mobility, its advocates say. Another key factor is the type of job an apprenticeship prepares people for. Most health care apprenticeships are for entry-level roles like CNAs, patient care technicians and medical assistants — jobs that, on average, pay $18-$20 an hour. 

    About half of states offer apprenticeships for LPNs, who make about 50 percent more than that, and half do so for RNs, whose median salaries are close to six figures, according to data from the U.S. Department of Labor. But far fewer apprentices are in those LPN and RN programs — and the majority of RN apprenticeships are for nurses who already have degrees, not for those who are still learning. That means aspiring nurses must still get all the way through the financial and logistical obstacles of nursing school before they can start to work.

    Josh Laney helped set up the different model in Alabama when he was director of the state’s Office of Apprenticeship. For a long time, he said, he bought into the “urban legend” that training more people to be certified nursing assistants, especially when they’re young, would get people onto the path to becoming nurses. 

    “The pitch was, ‘We get you the certificate and then you’re going to work at a hospital because it’s a very high-demand occupation. From there you can go on and move into nursing or whatever else you want to do,’” Laney said. “But there was no specified plan for how to do that — just a low-wage, very stressful and strenuous job.”

    The data backs that up. A 2018 study of federal Health Profession Opportunity Grants for CNA training showed that only 3 percent of those who completed the training went on to pursue further education to become an LPN or RN. Only 1 percent obtained an associate degree or above. A study in California showed slightly better odds: 22 percent of people who completed certificate programs at community colleges to become CNAs went on to get a higher-level credential in health care, but only 13 percent became registered nurses within six years.

    Because of these outcomes, Laney refused to pursue apprenticeships for CNAs in Alabama. One reason apprenticeships for CNAs and medical assistants are common, however, is that they are jobs that don’t require degrees and have fewer regulations when it comes to training. Setting up a registered apprenticeship for nurses who don’t already have a bachelor’s degree is complex and requires the work of many entities — the nursing board, colleges and employers. 

    When he went to the state board of nursing to propose LPN and RN apprenticeships, Laney was initially shut down. 

    “To their credit, they said, ‘Go away, bureaucrat! You’re not industry, you’re not the employer. You don’t really have anything to do with this,’” he recalled. “What I learned there, and what I’ve recommended to every other state who’s tried this, is let the employers carry your water. If they want it, they’ll get it done.”

    Related: How one college is tackling the rural nursing shortage 

    Laney then talked to the Alabama Hospital Association and Alabama Nursing Home Association, to reach employers. Given the shortages they had been experiencing, they bought into the idea and approached the nursing board themselves. Next, Laney’s team got community colleges on board, then universities. With the assurance that apprenticeships wouldn’t cut down on any of the required classes and clinical hours, the nursing board agreed to create the new license, following legislative approval.

    Other states embarking on nursing apprenticeships have faced similar challenges. 

    Apprenticeships aren’t a panacea. They hold promise for creating upward mobility, diversifying the profession and improving the odds a student makes it through to graduation, but they can’t solve all the knotty challenges of the nursing shortage. A lack of instructors in nursing schools — and therefore a lack of available seats for qualified students — is still one of the biggest factors. And in the apprenticeship model, every student needs one-on-one mentorship, meaning hospitals must have enough staff available and willing to work in a mentoring role for up to a year.

    Jay Prosser, executive director of the Massachusetts Nursing Council on Workforce Sustainability, knows all that. But he thinks apprenticeships will bring in more “practice-ready” nurses who are more likely to stay in the field long-term, especially those who were already working in patient care in the United States or other countries. Massachusetts is on the cusp of starting a licensed practical nurse apprenticeship with one employer and one academic partner, after working with the state nursing board and colleges for the past year. Unlike in Alabama, the nursing board didn’t need to create a new license, but rather the board judges whether educational programs meet regulations or not. 

    The Massachusetts Nursing Council on Workforce Sustainability is also creating a nursing apprenticeship network in the state, to make it easier for different institutions and programs to exchange ideas. 

    Prosser said one of the biggest barriers was making sure that the scope of practice for apprentices was clearly defined. He worked with local colleges to make sure of this. Prosser had previously worked as an assistant chief nursing officer in Birmingham, Alabama, and moved to Massachusetts in 2021 with the idea of apprenticeships already in mind. 

    Several other states have also created nursing apprenticeships for students who don’t already have a degree, but they’re limited to single institutions. In 2023, Texas began offering nursing apprenticeships for students who hadn’t already earned a degree in a collaboration between South Texas College and the Texas Workforce Commission. 

    The University of Wisconsin Health system has created a portfolio of nine registered apprenticeship programs, including an RN program launched in 2023 and a handful of other apprenticeship-style programs. Bridgett Willey, director of allied health education and career pathways, said the hospital started with entry-level apprenticeships, like medical assistants, before proposing degreed programs. 

    “There’s still kind of a myth that the colleges are going to do all this on their own,” Willey said. “Well, that’s not true. Employers have to sponsor, because we’re the ones hiring the apprentices and often supporting tuition costs, as well.”

    Related: No college degree, no problem? Not so fast

    The outcomes from the entry-level apprentice programs helped convince the health system that it was worth investing more. A three-year study showed that staff retention rates for those who participated in the hospital’s apprenticeships were 22% higher than for those who didn’t. In the two-year-old RN program, attrition is less than 10% so far — significantly lower than the attrition rate the hospital has seen with traditional students who participate in clinicals at the hospital. 

    UW Health supports efforts to scale their apprenticeship model across the state, but so far they haven’t panned out. Willey said employers are interested, but conversations often stall when questions arise about how to create more clinical capacity and find funding sources to support apprentices.

    Even so, Eric Dunker, founding executive director of the National Center for the Apprenticeship Degree, which is affiliated with Reach University, predicts that nursing apprenticeships are about to see major growth, as teaching apprenticeships did five years ago. Earlier this year, Reach University received a $1 million grant to expand apprenticeships in behavioral health, and is planning for nursing ones. The strict licensing regulations for nursing make it more complicated than scaling up teaching apprenticeships, but Dunker sees the possibility of expanding them if nursing boards, colleges and employers all come to the table, as they did in Alabama. 

    “There’s a lot of entry-level health care apprenticeships,” Dunker said. “But the key is upward mobility, which is nursing and nurse practitioners. There’s typically been a bottleneck in stacking these pathways, but that’s where you’re starting to see more states and systems become a little more creative.”

    Tyler Sturdivant, Coastal Alabama Community College’s associate dean of nursing, knows what that looks like. Figuring out the logistics of setting up an apprenticeship program was a challenge, he said, and required hiring an additional staff member to liaise between the college and hospital partners. But three years into the apprenticeship program for LPNs and RNs, the school is seeing higher completion rates than for traditional students.

    This means they’re producing more licensed nurses to fill positions and someday mentor, or even teach, other apprentices. 

    On a typical Friday morning in September at Mobile Infirmary, Malone and Berry visited a 70-year-old man who came in for a urinary tract infection that then weakened him. That day, the apprentice and journeyworker switched out his bed for one lower to the ground to reduce the fall risk, taught him how to raise the bed so he could sit upright, updated him on a plan for physical therapy and adjusted his socks for him. 

    Malone appeared comfortable and confident, taking the lead in the patient’s care while Berry assisted her. Malone says the many hours of practice she’s had through the apprenticeship has made her feel prepared for the job and ready to continue to follow her dreams. One day, she wants to become a nurse practitioner specializing in mental health.

    “I won’t feel complete until I actually become a nurse,” Malone says. “I thought I was going to be one sooner, but bumps in the road happened and I ended up having a child. If it wasn’t for the apprenticeship, I probably wouldn’t be here now.”

    Contact editor Lawrie Mifflin at 212-678-4078 or on email at mifflin@hechingerreport.org.

    This story was produced in partnership with Work Shift and reprinted with permission.

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    Colleen Connolly

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  • St. Petersburg unveils city’s first purpose-built water testing lab

    ST. PETERSBURG, Fla. — St. Petersburg unveiled the city’s first purpose-built water testing laboratory on Tuesday, which protects the environment and aims to ensure drinking water flows during hurricanes.


    What You Need To Know

    • St. Petersburg unveils new water testing lab on Tuesday  
    • The storm-hardened facility cost about $9 million and has 8 labs
    • The lab tests stormwater, beach surface water, drinking water and wastewater
    • Pinellas County, Hillsborough County and Gulfport also utilize the regional asset


    “Clean, healthy water is essential for everything we do,” said John Palenchar, Water Resources Director. “Whether it’s the water we drink, the beaches we enjoy, or the environment that we depend on that supports us.”

    The new facility cost about $9 million and is a nationally accredited environmental laboratory that prioritizes public health. City leaders held a ribbon-cutting on Tuesday and invited the public for a tour.

    Mayor Kenneth Welch said the new facility would stand up to storms much better than the old lab, which was in an administration building. Welch said staff was scrambling in the old lab after Hurricane Milton last year.

    “Our old retrofitted lab lost power,” he said. “Our staff had to run more than 180 drinking water tests in one day so that we could lift the boil water notice.” 

    The new lab is storm-hardened and has modern equipment. The facility has commercial power, backup generator power and a second backup generator.

    “This isn’t just about the hurricanes,” said Copley Gerdes, City Council Chair. “This is about making sure that every day, whether the sun is out or not, that our people have a place to do the work that is needed for our city.”

    There’s a total of 8 different water testing labs inside the facility. Palenchar said the metals lab tests to make sure the city’s industrial customers are properly disposing of their wastewater.

    “We have to ensure that they’re not discharging any of those metals  — those harmful metals  — into our system, because those would pass through our treatment,” he said. “Metals aren’t treated in a domestic wastewater plant.”

    Palenchar said the nutrients lab tests for nitrogen or phosphorous in surface water from Tampa Bay or the Gulf beaches, which can create red tide blooms.

    “The most, I guess, important nutrient that we measure in the Bay is nitrogen,” he said. “That really is an indicator of how much nutrient pollution is going into our Bay, which feeds algae growth and blocks the light from getting to the sea grasses.”

    Special overhead red lights are used in the chlorophyl lab to test water from Tampa Bay for plant matter.

    “If there’s a lot of plant matter like algae, algae is photosynthesizing. So it uses chlorophyl. That’s a good indicator of the cloudiness in the water,” said Palenchar. “It’s what the Tampa Bay Estuary Program uses to measure. It’s a performance measure of the health of Tampa Bay.”

    Palenchar said the microbiology lab is the most popular by the number of analysis run and impacts every single type of water.

    “Stormwater, beach surface water, drinking water, of course, and wastewater,” he said. “So all those different water types have microbiology components that need to be monitored to make sure that those waters are healthy for either human contact or, in the case of drinking water, for drinking.”

    Palenchar said the lab is a regional asset, which Pinellas County, Hillsborough County and Gulfport also utilize.

    Josh Rojas

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  • Credit card interest calculator – MoneySense

    Play around with our credit card interest calculator to calculate credit card interest and figure out how long it will take you to repay the debt. This tool can help you develop a plan to address your balance and avoid paying interest going forward.

    How to use the credit card interest calculator

    Our credit card interest calculator can help you figure out two key pieces of information: 

    • How much money you’ll pay in interest based on your current monthly payment
    • How many months it will take to pay off your credit card balance

    Start by inputting your credit card balance and your card’s annual percentage rate (APR). If you don’t know this number, log into your credit card account and pull up your card’s terms and conditions. 

    Next, decide if you want to see how much total interest you’ll pay based on your current monthly payment (and enter that amount) or specify your payoff goal in months to see how the total interest charges.

    How to calculate credit card interest

    Since interest is expressed as an annual percentage rate, card issuers take several steps to determine how much to charge each month. Here’s how you can figure out their method:

    1. Convert your APR to a daily rate. Most issuers charge interest daily, so divide the APR by 365 to find the daily periodic interest rate. Make sure you’re using the purchase interest rate (not the cash advance or balance transfer rate).
    2. Figure out your average daily balance. Check your credit card statement to see how many days are in the billing period. Then, add up each day’s daily balance, including the balance that carried over from the previous month. Once you have all the daily balances, divide the figure by the number of days in the billing period to find your average daily balance.
    3. Multiply the balance by the daily rate, then multiply the result by the number of days in the cycle. Now that you have all the details you need, multiply the average daily balance by your daily periodic interest rate. Then multiply that number by the number of days in the billing cycle. This shows you how much interest you’ll pay in a month.

    A quick example

    If you have a credit card with a $1,000 balance and 20% APR, your daily interest rate would be 0.0548%. Assuming you don’t add to the debt, you’ll be charged around $0.55 in interest every day. If there are 30 days in the billing cycle, you’ll pay $16.50 in interest for the month.

    How to avoid paying credit card interest

    When you get a credit card statement each month, you’ll see a minimum payment amount listed. This is often a flat rate or a small percentage of your balance (usually 3%), whichever is higher. 

    While it’s tempting to just pay the minimum payment your credit card issuer asks for, doing so guarantees you’ll be charged interest because you’ll be carrying a balance into the following month. 

    Instead, make a point of paying off your balance in full every month. Not only will you avoid paying credit card interest, but your card issuer will report these payments to the credit monitoring bureaus, which can boost your credit score. Plus, the cash back or rewards you earn with the card won’t be offset by the interest you’re charged, so you truly get more out of using your card.

    How to reduce credit card debt

    If you already have a credit card balance, don’t despair. There are strategic things you can do to get out from under credit card debt.

    1. Negotiate with your credit card provider

    As a first step, call your bank or credit card provider to request a lower interest rate. Your card issuer may be willing to work with you, so don’t hesitate to ask. They might agree to lower your rate, offer to switch you to a lower-interest card, or create a repayment plan that works for your situation—but you’ll never know if you don’t ask.

    Article Continues Below Advertisement


    2. Make a budget and pay with cash or debit

    It’s important to honestly track your income and expenses so you can trim unnecessary costs. Stop charging purchases to your credit cards and switch to cash or debit, instead.

    While it might seem difficult, try to contribute to an emergency savings fund. If an unexpected expense comes up (like an appliance repair or vet bill), you can pull from your fund rather than charge it to your credit card.

    3. Open a balance transfer credit card

    If you have significant debt, find a balance transfer credit card with a great promotional rate. Then, move your existing balance to the card. You can quickly pay down the balance while you’re not being charged interest. The golden rule of balance transfer cards: never charge new purchases to the card.

    Canada’s best credit cards for balance transfers

    4. Try the avalanche or snowball repayment strategy

    There are two main approaches to paying off debt:

    • Avalanche method: Focus on paying off the debt with the highest interest rate first, while making only the minimum payments on your other accounts. Once the highest-interest debt is paid off, move on to the next-highest-interest debt.
    • Snowball method: Start by paying off the debt with the smallest balance first, while continuing to make minimum payments on your other debts. After clearing one debt, move to the next-smallest balance. This method may cost more in interest over time, but it can provide strong motivation and momentum to stay on track with debt repayment.

    5. Work with a credit counselling agency.

    It’s completely understandable to feel overwhelmed by your credit card debt, which is why a credit counsellor can be so helpful. Speak to representatives from your financial institution, a credit counselling agency, or a debt consolidation program to discuss your options. They can help you create a tailored plan to resolve the situation.

    5. Consider debt consolidation.

    If you’re juggling multiple loans and credit card balances and having trouble paying them off, it may make sense to consolidate your debt. This means combining two or more debts into one, with just one payment to make each month.

    Another option is a debt consolidation loan from a bank or other financial institution. Or you could work with a credit counselling agency to negotiate a debt consolidation program (DCP) or consumer proposal (repaying only part of your debt) with your lenders.

    Learn more about each of these options by reading “How to consolidate debt in Canada” and “Who should Canadians consult for debt advice?”

    Jessica Gibson

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  • XXL Adventskalender 2025 (Tür 9)

    XXL Adventskalender 2025 (Tür 9)

    Das neunte Türchen unseres XXL Adventskalenders öffnet sich und dahinter befindet sich ein intelligenter Stromzähler von unserem Partner Zendure.

    1x Zendure Intelligenter D0-Zähler

    Teilnahme

    Wie immer setzen wir dafür das leicht zu bedienende Verlosungswidget von Gleam ein. Hier könnt ihr Lose sammeln, die dann in einen Lostopf gelangen, aus denen der Gewinner gezogen wird. Einfach auf den grünen Button klicken und die Lose ergattern.

    1. Folge NewGadgets.de auf Instagram– 2 Lose

    2. NewGadgets.de Facebook-Seite besuchen (ein Like wäre super) – 2 Lose

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    6. Tweete einen Tweet (siehe Gleam Widget) – 6 Lose

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    – Die Verlosung beginnt am 9. Dezember 2025 und endet am 16. Dezember 2025 um 23:59 Uhr.
    – Teilnahmeberechtigt sind nur Personen mit einem Wohnsitz in Deutschland oder Österreich, die mindestens 14 Jahre alt sind.
    – Der Rechtsweg ist ausgeschlossen.
    – Jeder Teilnehmer ist nur zur einmaligen Teilnahme berechtigt.
    – NewGadgets.de behält sich das Recht vor, das Gewinnspiel ohne Angaben von Gründen zu ändern oder zu stoppen. Dies gilt insbesondere für Fälle höherer Gewalt und für den Fall, dass eine ordnungsgemäße Durchführung des Gewinnspiels aus technischen und/oder rechtlichen Gründen nicht gewährleistet werden kann.
    – Eine Barauszahlung des Gewinns ist nicht möglich
    – Die personenbezogenen Daten der teilnehmenden Person (Name, Adresse und E-Mail-Adresse) werden ausschließlich zur Abwicklung des Gewinnspiels verwendet und nach dem Gewinnspiel gelöscht.
    – Der Veranstalter kann jederzeit den Zeitpunkt der Verlosung ohne Angabe von Gründen verschieben
    – Der Gewinner wird per E-Mail informiert.
    – Reagiert der Gewinner sieben Tage lang nicht auf die E-Mail, wird der Preis erneut verlost.
    – Angestellte und Mitarbeiter von NewGadgets.de und dem Hersteller des Gewinns sind von der Auslosung ausgeschlossen.
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    Datenschutzerklärung NewGadgets.de, Datenschutzerklärung Gleam

    Johannes

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  • Crock Pot Beef Stroganoff

    Crock Pot Beef Stroganoff has tender chunks of beef and mushrooms in a rich creamy stroganoff sauce. It slow cooks all day for a cozy, hands-off dinner.

    Browning the beef first gives the sauce a deep, savory flavor you’d never guess came from a slow cooker.

    a slow cooker filled with crock pot beef stroganoffa slow cooker filled with crock pot beef stroganoff

    This tried-and-true family favorite has been made, and loved, by thousands of readers.

    • This slow cooker stroganoff is so easy, it practically cooks itself. The beef is extra tender.
    • The sauce has all of the flavor of a traditional stroganoff recipe with an extra goodness from slow cooking the beef in a rich broth.
    • Prep ahead: Prep ahead friendly—brown the beef the night before and pop it in the crockpot in the morning.

    Ingredients for Crock Pot Stroganoff

    • Beef: The best beef for slow cooking is chuck roast as it has a lot of flavor and becomes very tender. If you have a roast, cut it into bite-size cubes. You can also use stewing meat.
    • Mushrooms: Use white or cremini mushrooms. Short on time? Use 2 cans of drained sliced mushrooms.
    • Broth: A rich beef broth gives the best flavor. If using low sodium broth, add a bouillon cube for depth.
    • Sour cream: Add sour cream just before serving so it doesn’t separate or curdle. You can replace sour cream with Greek yogurt.

    Variations

    • Meat: You can replace the meat with 1 1/2 pounds of lean ground beef. Brown it, drain the fat, add it to the slow cooker, and proceed with the recipe.
    • Seasonings: I like to keep the seasonings simple, but herbs such as thyme can be added to taste.

    How to Make Beef Stroganoff in a Crock Pot

    1. Brown: Browning the beef adds another layer of flavor. Sear in small batches, if you overcrowd the pan, the beef won’t brown as well. Deglaze the pan with wine or broth and scrape up the browned bits.
    2. Slow Cook: Add the beef and remaining sauce ingredients, except sour cream, to the slow cooker. Cook until tender.
    3. Finish the sauce: Once the beef is tender, thicken the sauce with cornstarch and add sour cream.
    • Cook on Low (preferred): 7 to 8 hours
    • Cook on High:  4 to 5 hours
    a plate of crock pot beef stroganoff with parsleya plate of crock pot beef stroganoff with parsley

    Serving Suggestions

    I most often serve beef stroganoff over egg noodles but it’s also great over mashed potatoes or any type of pasta. To stretch the meal further, add a tossed salad and a side of garlic bread.

    image of Everyday Comfort cookbook by Holly Nilsson of Spend With Pennies plus textimage of Everyday Comfort cookbook by Holly Nilsson of Spend With Pennies plus text

    Prep Time 20 minutes

    Cook Time 4 hours

    Total Time 4 hours 20 minutes

    • Cut the beef into 1-inch cubes and trim any fat.

    • Heat olive oil in a skillet. Season beef with salt and pepper and brown in olive oil in small batches. Deglaze pan with red wine and add to slow cooker.

    • Place beef, garlic powder, onions, dijon, Worcestershire, mushrooms and 1 ½ cups broth in a 6qt slow cooker.

    • Cook on high 4-5 hours or on low 7-8 hours or until beef is tender.

    • Combine remaining broth with cornstarch and stir into slow cooker. Cover and cook and additional 15 minutes or until thickened.

    • Stir in sour cream. Serve over egg noodles.

    Calories: 568 | Carbohydrates: 38g | Protein: 29g | Fat: 32g | Saturated Fat: 13g | Cholesterol: 131mg | Sodium: 263mg | Potassium: 766mg | Fiber: 2g | Sugar: 3g | Vitamin A: 205IU | Vitamin C: 2.5mg | Calcium: 73mg | Iron: 3.5mg

    Nutrition information provided is an estimate and will vary based on cooking methods and brands of ingredients used.

    Course Beef, Main Course, Slow Cooker
    Cuisine American
    Slow cooker beef stroganoff in a slow cooker with parsley and writingSlow cooker beef stroganoff in a slow cooker with parsley and writing
    Slow cooker beef stroganoff in a slow cooker with a titleSlow cooker beef stroganoff in a slow cooker with a title
    Slow cooker beef stroganoff in a slow cooker and on a plate with a titleSlow cooker beef stroganoff in a slow cooker and on a plate with a title

    Holly Nilsson

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  • How to Fire Yourself and Still Scale Your Portfolio Successfully

    This article is presented by RentRedi.

    There’s a big difference between working in and on your business. When you bought your first rental property, doing everything yourself probably felt right. You knew the tenants, collected rent, patched the drywall, and scheduled the pest control. 

    Being a self-managing landlord is no joke, and it’s definitely not for everyone. If you’re constantly texting tenants, manually tracking rent payments, and spending your weekends fixing leaky toilets, you start feeling like you’re being spread too thin.

    Instead of growing your cash flow, you might be just trying to survive the week. If you’re losing sleep, time with your loved ones, or even struggling to keep up with repairs, that’s when it’s time to fire yourself. But don’t worry, you’re still the boss—only instead of doing the work yourself, you can adopt smarter systems and workflows that make it simple for you to scale confidently and successfully. Here’s how to get a complete overview of your business and develop deeper insights that you can focus on growing your portfolio.

    Are You Working Smarter or Harder?

    Working smarter on your business means building systems, automating tasks, and making decisions that allow you to grow. It means treating your rental portfolio like a company, rather than a never-ending to-do list. Too many landlords get stuck doing everything themselves—and wonder why their growth plateaus.

    The truth is, you simply can’t scale chaos. But you can scale success. 

    Your Growth Will Only Go as Far as Your Systems

    Every successful real estate investor eventually realizes that growth requires some type of infrastructure. 

    You wouldn’t try to build a house without a foundation. So why are you managing a five-, 10-, or 20-unit portfolio with a stack of receipts, a personal Gmail account, and a dozen spreadsheets? This system may have worked for you initially, but it is also difficult to manage long-term. For a more sustainable process, pulling all your investment properties and organizing them into one system will save you so much time and stress. You might not even realize how much inherent stress you’ve been feeling until the sigh of relief when you see your entire rental operation organized in a smart system designed to simplify your property management workload. 

    A strong, scalable system should allow you to:

    • Accept rent online and track payments in real time
    • Automate late fees and rent reminders.
    • Screen tenants consistently, with applications and background checks.
    • Log and organize maintenance requests, with status updates and photos.
    • Keep digital copies of leases, inspections, and notices.
    • Collaborate with your team or contractors securely and efficiently.

    These key systems are must-haves for anyone who wants to grow beyond just being a landlord and for folks who want to work on their business.

    How Property Management Systems Work For You

    Hiring a third-party property manager can cost 8% to 12% of your gross rent, and there may be additional costs for leasing or repairs. This can be a worthwhile investment to alleviate your workload, but setting up a property management software that can organize your business and articulate rental data back to you is an essential tool for scalability and cash flow growth. 

    Using a smart property management software like RentRedi gives you the power of a professional system without the overhead of outsourcing everything. You can:

    • Log in to one dashboard to see how your portfolio is performing.
    • Get alerts when rent is paid or late.
    • Generate reports for tax time.
    • Store all your documents and communication in one place.
    • Let tenants submit requests without calling your personal phone.
    • Stay organized without hiring a team.

    A manual system can impede your growth as a real estate investor. Not only is it taxing on your time, but your energy as well. Imagine if you could reallocate the investment of your resources…back into investing? That’s working smarter, not harder.

    The Hidden Costs of DIY Landlording

    Let’s talk about what you’re actually losing when you try to do it all yourself.

    1. Time

    Every minute spent on administrative tasks is one you’re not underwriting new deals, building relationships with brokers, or thinking strategically about your business.

    2. Tenant satisfaction

    Delayed responses, inconsistent communication, and poor maintenance follow-up make tenants unhappy. That could mean more turnover and longer vacancy periods.

    3. Financial accuracy

    If you’re not tracking expenses properly or logging deductions, you’re leaving money on the table every year at tax time.

    4. Burnout

    This is real. The back-and-forth phone calls, a mountain of maintenance tasks, and overlooking late or missed payments all add up. For you and your business. A primary reason for utilizing real estate investing to achieve financial freedom is to generate revenue without strain on your finances, time, and wellness. So if your future is looking forward to financial freedom, finding sustainable, customizable, automated workflows is #1 on your priority list.

    How I Knew It Was Time to Fire Myself

    There was a point in my journey where I looked around and realized my portfolio was growing—and with it, my workload. 

    I had more properties, tenants, and rent coming in. This was exciting, but I was more stressed than ever. I wasn’t spending my time doing the things that mattered. I was putting out fires, logging into my bank account to check if rent came in, and calling vendors to schedule minor repairs. Basically, I was babysitting my business instead of scaling it thoughtfully.

    Making the decision to implement systems like automated rent collection, streamlined maintenance, and consistent tenant screening with software like RentRedi had several benefits beyond saving time. This was a turning point in my investor journey, as I finally had the breathing room to grow.

    How to Know It’s Time

    Here are a few signs you’ve outgrown the DIY property management stage:

    • You’re managing more than two properties.
    • You’re repeating the same tasks every month.
    • You spend more time being reactive than proactive.
    • You can’t remember which tenant has a pet, or whose lease is up next.
    • You feel overwhelmed during tax season.
    • You dread tenant calls or emails because you’re already behind.

    If any of that sounds familiar, you’re not alone—and you’re not failing. You’ve just hit the ceiling of what can be done manually. Now it’s time to build the business.

    Owning the Role of CEO

    Stepping into the role of CEO means you recognize not only the worth and value of your rental business as a cash flow, but also your time as well. Each property has the potential to bring you one step closer to a future that feels more like freedom. Adapting smart property management systems like RentRedi saved my sanity, my time, my energy, and my resources. So if your goal is to grow financial sustainability, own your role as a business owner. 

    The most successful investors are those who learn how to delegate, automate, and systemize their portfolio. Firing yourself doesn’t mean you stop caring about your tenants or the properties you’ve invested in. It means you’re ready to build a business with smart systems in place that not only help you streamline what you already have, and scale to something bigger.

    Ashley Kehr

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  • Analysis-Asian investors flock to Gulf debt in hunt for yield and growth

    ABU DHABI/SINGAPORE, Dec 10 – Asian investors are piling into Gulf bonds and loans this year, reflecting both deepening trade and finance ties with the fast-growing region and an uncertain outlook elsewhere, including the world’s top two economies, the United States and China.

    Bond issuance in ​the Middle East and North Africa region jumped 20% year-on-year to $126 billion in the first nine months of this year, according to LSEG data, ‌with full-year records in sight both for the region and broader emerging market debt sales outside China.

    That growth, driven largely by the six-member Gulf Cooperation Council, represents both rising financing needs linked to ‌oil- and gas-producing economies’ efforts to diversify, and growing demand from Asian investors reshuffling their portfolios.

    “Clearly there has been a shift with Chinese investors actively diversifying away from U.S.-based investments,” said Nour Safa, head of debt capital markets for the Middle East and North Africa at HSBC in Dubai.

    Chinese investors have become more comfortable with the region and were now doubling down on investments in both bonds and loans, which have seen particularly strong demand from Asia, Safa said.

    Middle East loans syndicated in Asia-Pacific more than tripled to over $16 ⁠billion year-to-date from less than $5 billion last year, LSEG ‌data showed.

    With China’s economy slowing and Washington’s tariff-centred policies making investors rethink their exposure to the vast pool of U.S. assets, the Gulf appeals with its stability and solid growth prospects.

    The IMF projects the region will grow 3.9% this year and growth ‍will accelerate to 4.3% in 2026. In contrast, global growth, projected at 3.2% in 2025, is seen slowing to 3.1% next year.

    “Investors are being more cautious about U.S. Treasuries and are diversifying into several alternate markets,” said Oliver Holt, Nomura’s head of debt syndication in Singapore, with high-rated government-backed Middle East issuers often catching investor attention.

    Deepening economic ties are also helping ​with Gulf-Asia trade rising 15% to a record $516 billion last year, around double the value of the region’s trade with the West, according to London-based Asia ‌House.

    ASIA TAKES BIGGER BOND ALLOCATIONS

    Ritesh Agarwal, Emirates NBD Capital’s head of debt capital markets, said Asian institutions – hedge funds, asset managers and private banks – have driven a rise in the region’s debt allocations over the past 12 to 18 months.

    According to Agarwal, average Asian allocation in Gulf debt issues now ranged between 15% and 20%, up from 5% to 7% in early 2024. He said that while the majority of investors were not from mainland China, Chinese capital was flowing through Asian accounts in Hong Kong, Singapore and, for Islamic bonds, Malaysia.

    A combination of high demand and strong credit fundamentals has allowed Gulf issuers to price bonds at near historic-low ⁠spreads over U.S. government debt.

    For example, Asian investors bought 40% of AA-rated Qatar’s $1 billion 3-year ​bond last month which priced at just 15 basis points over U.S. Treasuries.

    Gulf bonds typically can ​give Asian investors higher yields compared to similarly rated credits in Asia, said Chong Jiun Yeh, group chief investment officer at Singapore-based UOB Asset Management.

    Typically, a BBB-rated U.S. dollar bond from the Gulf can add 10 to 20 basis points in total yield compared ‍with similar Asian credits, he said.

    Chinese interest rates ⁠have generally been below those in the U.S.

    Several Gulf borrowers were also planning to issue bonds in yuan on China’s domestic fixed-income market – so-called “Panda bonds” – said Clifford Lee, global head of investment banking at Singapore’s DBS Group, who has organised meetings for Gulf banks with Chinese onshore investors.

    “We predict ⁠that once regular issuance flow begins, it can unlock access to an over $20 trillion market,” Lee said.

    In some early deals, Saudi National Bank issued the first Singapore dollar bond in late November, while ‌the UAE emirate Sharjah raised 2 billion yuan ($280 million) in October.

    (Reporting by Rachna Uppal in Abu Dhabi and Yantoultra Ngui in Singapore; ‌Additional reporting by Utkarsh Shetti in Dubai; Editing by Karin Strohecker and Tomasz Janowski)

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  • More Holiday Markets, Rooftops, Santa Brunch or Cocoa, Reindog Parade, Cookie Fest and More Things to Do This Weekend (12/11) | Scoop

    Another week closer to Christmas and the holiday countdown is officially ON. This weekend, tackle your gift list at local holiday markets, sip cocoa with Santa, watch an adorable puppy parade, snag a festive cocktail (or two), and soak up every bit of Christmas magic Charlotte’s serving up.

    THINGS TO DO THIS THURSDAY, DECEMBER 11

    Perry’s Diamonds & Estate Jewelry 3rd Annual Legacy of Brilliance event
    December 11–14, 2025
    Don’t miss this festive event created to honor the life and legacy PERRYS founder, Ernest Perry on what would have been his birthday weekend. Enjoy a weekend full of mystery box giveaways, community spirit, and funall in memory of EP’s legacy. When you shop with Perry’s and make a purchase of $2500+, you’ll receive a fun mystery box filled with assorted items like hand poured candles, luxury hand cream, fine teas from Asheville Tea company, and Perry’s branded swag.  BONUS! Hidden among the 50 mystery boxes are five grand prizes, value ranging from $300 to $3000 including a pair of diamond stud earrings. In case you needed even more of a reason to shop this event, 10% of the proceeds from the Legacy of Brilliance event will be donated directly to the Perry’s Heart of Gold Foundation. APPOINTMENTS HERE.

    KK BLOOM‘s 12 Days of Christmas is live, with special sales happening each day. Stay tuned to their instagram for the great daily shopping deals.
    Bedside Manor in SouthPark is running a 12 days of Gifting promotion from Dec 1 – 12, offering a different one-day discount each day for 12 days. You can find these out via their email or social.
    ABODE Home on East Blvd is also running their annual 12 Days of Christmas SALE, with a special discount on select Abode merchandise for two days only, advertised on their instagram.

    Image: PlantHouse

    Holiday Ornament Workshop
    Thursday, December 11, 6:30p
    Create two festive air plant ornaments at PlantHouse’s Holiday Ornament Set Workshop. You’ll have the chance to ceate unique terrarium-style pieces using air plants, seasonal sand, stones, preserved moss, and a wide selection of holiday décor like mini snowmen, pinecones, and bottle-brush trees. This workshop covers basic air plant care and provides all materials, making it a fun, hands-on way to craft an one-of-a-kind ornaments for gifting or keeping.

    Fashion Designer Daniel Gonzalez and friends are hosting a holiday shopping pop-up featuring unique brands you won’t find at all the many area markets this season. Located on East Blvd in the old JJ’s, now called The Drum, which is a new event-hosting space from the folks at Porcupine Provisions.

    Winter at the Queen’s Castle at Aura Rooftop
    December 1 – 31
    Immerse yourself in a regal holiday affair in the heart of the Queen City, inspired by the elegance and high-society charm of Queen Charlotte’s era. Enjoy festive curated cocktails, vibrant bites, and immersive décor in a heated rooftop escape adorned with lush, luxurious details, the perfect setting for a season of celebration.

    Winter at Whitewater
    Don’t miss Winter at Whitewater ice skating, an illuminated winter trail, night activities, a Christmas tree lot and winter pop-up market, races, events and more.

    THINGS TO DO THIS FRIDAY, DECEMBER 12

    Image: Morelia Gourmet Paletas

    FREE Ice Cream Paletas: NoDa GRAND OPENING
    Friday, December 12 & 13, 12 – 8p
    Celebrate the grand opening of Paletas Morelia in NoDa with a FREE ice cream paleta. Stop by on December 12th or 13th between 12–8 PM, bring your friends and family, and enjoy a sweet treat on the house. Just make sure to register through the link here to claim your free paleta.

    Holiday Night Market at Seoul Food (South End)
    Friday, December 12, 5 – 9p
    Shop local at Seoul Food in South End at their Holiday Night Market happening this Friday, December 12th, from 5 – 9 p.m. Cost is free to attend, plus dogs are welcome on the patio and can be off leash in the onsite Bark Park.

    Image: Summit Coffee on the Plaza

    Winter Solstice Art Showcase at Summit Coffee on the Plaza
    Friday, December 12, 6 – 9p
    Summit Coffee on the Plaza is hosting a vibrant Art Showcase, bringing together local creators for an evening of creativity, community, and cozy winter vibes. Guests can sip their favorite drinks while browsing original works from Charlotte-based artists, meet the makers behind the pieces, and shop one-of-a-kind gifts just in time for the holidays. 10% of total Friday sales will be donated to Our Bridge for Kids.

    Dirty Santa Bingo at Sugar Creek Brewing Company
    Friday, December 12, 9 – 11p
    Get ready to expect naughty themed drink specials, prizes & a holiday twist that definitely isn’t on Santa’s nice list. Arriving early to guarantee a good seat is encouraged.

    Image: OMB

    OMB Christmas Market Weekend Three
    December 12 – 14
    Stroll through the magical biergarten featuring 50+ local vendors, delicious food, festive lights, cozy fire pits, and seasonal favorites like Gluhwein (traditional spiced wine, pronounced “Gloo-vine”), holiday beer, and more.

    THINGS TO DO THIS SATURDAY, DECEMBER 13

    Image: Duke Mansion

    Christmas at the Mansion
    Saturday, December 13
    Step into the holiday season at Duke Mansion. On December 13, the mansion opens its doors for a day filled with festive cheer — photos with Santa, hot chocolate, sweet treats, and cozy holiday moments for the whole family. It’s one of the most magical days of the year, and they can’t wait to welcome everyone back. Tickets are available now.

    Image: South End CLT

    Blinder’s Winter Wonderland
    Saturday, 9a – 12p
    Blinders is transforming into a full-on Winter Wonderland for all ages, complete with snowy Santa photos and a 10 a.m. screening of The Polar Express. Guests can dig into a festive holiday brunch featuring pancakes, a bacon–egg–cheese wrap, and a breakfast flatbread. Plus mimosas, Bloody Marys, and spiked hot chocolate for the grown-ups.

    Image: Optimist Hall

    Cocoa with Santa & Holiday Singalong with the Jolly Lollies
    Saturday, December 13, 10a – 12p
    Santa is coming to Optimist Hall. Be there for his arrival at 10 a.m., and stick around to snap a photo afterwards. There will also be festive tunes from the Jolly Lollies from 10 a.m. – 11 a.m. and a complimentary hot cocoa bar.

    Santa Brunch at DTR SouthPark
    Dec 13 & 14, 10:30a – 2:30p
    Celebrate the season at DTR SouthPark’s first Santa Brunch. Bring the family for a festive brunch experience and photos with Santa. Reservations are recommended.

    Image: South End CLT

    HOWLIDAYS AT SKIPTOWN: FESTIVE FUN EVERY SATURDAY IN DECEMBER
    Saturday, December 13, 12 – 6p
    Skiptown is turning up the holiday cheer with Howlidays at Skiptown, a month-long lineup of festive Saturdays made just for pups and their parents. This weekend, visit the Howliday Market, a festive outdoor market starring local pet-friendly vendors, gifts, treats, and holiday shopping essentials for dogs and humans.

    Image: Noda Brewing Co

    Hops & Holly Holiday Market at NoDa Brewing Co
    December 13 & 14, 12 – 5p
    Swing by NoDa Brewing Co. from December 13–14 for two days of festive fun, local shopping, and all the holiday vibes. Expect cozy crafts, awesome Charlotte vendors, unique gifts, and your favorite NoDa brews. Bring your friends, grab a beer, and knock out your holiday shopping while supporting local.

    Image: Birdsong Brewing

    Birdsong 14th Anniversary Party
    Saturday, December 13, 12 – 11p
    Cheers to 14 years of great beer and great people as the brewery celebrates its anniversary with a full day of festivities. Enjoy rotating food trucks, special beer releases (both new and returning favorites), and a brand-new pullover hoodie added to the merch lineup. Plus, from 2–6 p.m., the annual Holiday Market will showcase top local vendors with handmade goods.

    Image: Camp North End

    Mistletoe Market 2025
    Saturday, December 13, 2 – 7p
    Mistletoe Market 2025 returns the first three Saturdays of December 6, 13, and 20 from 2-7 pm. Vintage Charlotte, Studio Cultivate, and the Camp North End Fam are bringing back all of your faves with a few holiday surprises. Expect Shopping across all 76 acres with special holiday vendors inside the Ford Building, Ice Skating at the Camp North Pole, plus food and beverages across the site.

    Image: Camp North End

    Reindog Parade: Mistletoe Market 2025
    Saturday, December 13, 3 – 5p
    Kick-off the second week of Mistletoe Market with a puppy parade through Camp North End. It’s free for spectators to enjoy, and free for participants to walk the route. Check-in begins at 3PM, the parade begins at 4PM, and raffle prizes will be announced after the walk ends.

    THINGS TO DO THIS SUNDAY, DECEMBER 14

    Image: SouthPark CLT

    Shop Local QC Holiday Market
    Sunday, December 14, 11a – 8p
    Discover the best of Charlotte’s small business scene at Shop Local QC’s Holiday Market in SouthPark. Held on the green beside Legion Brewing, this elevated market features small shops and makers—from returning favorites to exciting new vendors for the holiday season.

    Image: South End CLT

    Santa’s Toy Drive and Cookie Fest
    Sunday, December 14, 12 – 5p
    Triple C Brewing is teaming up hosting a Holiday Toy Drive benefiting Ronald McDonald House Charities of Greater Charlotte. New, unwrapped toys from the approved donation list can be dropped off at the taproom during regular hours from December 1–14, and Izzy’s will offer a free small one-topping pizza for each donation (one per family, per day). The drive wraps up on Sunday with a festive celebration featuring Santa from 12–3 p.m., face painting, hot chocolate, s’mores, kids’ crafts, and a decorated mini-truck meetup from 3–5 p.m.

    Winter Wonderland Holiday Market at Monday Night Brewing
    Sunday, December 14,
    Winter Wonderland is taking over Monday Night Brewing, and the taproom is turning full-on festive. Expect holiday treats, cozy cocktails, a vintage market, puppies to play with, Santa sightings, fun workshops, and a screening of Elf to wrap up the night. Throughout the day, guests can enjoy hot cocoa and warm cider specials, Christmas movies, a 1–6 p.m. vintage market, free popcorn during the movie, and seasonal beers and cocktails. Santa will stop by from 3–6 p.m.

    Image: Carolina Theatre

    Christmas double feature: A Muppet Christmas Carol and The Nightmare Before Christmas
    Sunday, December 14, 2p
    Get in the Christmas Watch two movies for the price of one! Catch A Muppet Christmas Carol and The Nightmare Before Christmas back-to-back at the Carolina Theatre.

    Veronica LeMaster

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  • Deborah’s Garden Through the Years – Fine Gardening

    Hi GPODers!

    The weather outside is starting to get frightful, but the garden photos we’re receiving are so delightful! Today we have another new garden to explore, with a range of peak-season highlights. These photos are from Deborah Beacham, and they showcase lots of blooms and gorgeous plant combinations throughout the years in various parts of her gardens.

    In spring, Deborah’s garden comes alive with a flush of fabulous foliage that glows and shines on a sunny day, and a bright pink rhododendron kicks off the color show on a vibrant note.

    pink rhododendron behind foxglove spiresAlongside the rhododendron, some lovely foxglove (Digitalis purpurea, Zones 4–8) adds a pinch of purple.

    masses of yellow and orange flowers in gardenAs the weather heats up, the displays also get hotter. This border of yellow blooms sizzles with lots of black-eyed Susans (Rudbeckia hirta, Zones 3–7), and some orange is added to the mix with the ‘Autumn Colors’ cultivar (R. hirta ‘Autumn Colors’, Zones 3–7) seen in the foreground.

    red bee balm with blue hydrangeaWhen it comes to classic color combinations, why fix what isn’t broken? Pinks and reds always play nice with blue, and this combination of scarlet bee balms (Monarda didyma, Zones 4–9) and a light blue bigleaf hydrangea (Hydrangea macrophylla, Zones 6–9) is a superb example.

    mix of light purple and dark purple flowers in front of variegated foliageColor might be the first thing that catches your eye in Deborah’s garden, but she also plays with interesting texture and form combinations. Spires of obedient plant (Physostegia virginiana, Zones 3–9) are a perfect contrast to the dark purple clusters of hydrangea blooms, and a variegated kousa dogwood (Cornus kousa, Zones 6–9) adds even more textural interest in the background.

    dog sculpture in front of pink rosesDeborah’s plant combinations are spectacular, but even the most enticing designs are made a little more fun with the addition of garden art. This playful pooch appears to be enjoying the scent of these light pink roses.

    a mix of pink flowers in gardenIn addition, Deborah’s plantings are full of personality. Some gardeners opt to limit their plant or color palette, but Deborah put no limit on the interest and excitement in this bed. Allium, agastache, echinacea, geranium, and a splash of orange butterfly weed (Asclepias tuberosa, Zones 3–9) are just some of the plants coming together for this wonderful display.

    yellow flowers with blue flowersThe diversity that Deborah has cultivated over the years is astounding, and this is reflected in the many exciting combos she has shared. Blue and yellow is one of my favorite color pairings, so I find this achillea with cornflower (Centaurea cyanus, annual) particularly dazzling.

    annual flowers in ornamental carriage containerFor even more color and whimsy, Deborah turns to containers. A white garden cart becomes the perfect vessel for a mini fairy garden, planted with a marvelous mix of verbena and calibrachoa.

    monarch butterfly on orange zinniaWhen a garden is filled with an amazing array of blooms such as we’ve seen here, the pollinators are sure to follow. This monarch butterfly (Danaus plexippus) gave Deborah its stamp of approval when it paid a visit to this peachy pink zinnia.

    Thank you so much for sharing these beautiful photos with us, Deborah! You have an impeccable eye for color, and the combinations you’ve created in your garden are enchanting.

    It’s gearing up to be a long, cold winter here in North America, and we’re going to need a lot more colorful garden photos to get us through. Next time you’re scrolling through your archive of garden photos from past growing seasons, consider sharing some of your favorites with Garden Photo of the Day! Follow the directions below to submit photos via email, or send me a DM on Instagram: @agirlherdogandtheroad.

     

    We want to see YOUR garden!

    Have photos to share? We’d love to see your garden, a particular collection of plants you love, or a wonderful garden you had the chance to visit!

    To submit, send 5–10 photos to [email protected] along with some information about the plants in the pictures and where you took the photos. We’d love to hear where you are located, how long you’ve been gardening, successes you are proud of, failures you learned from, hopes for the future, favorite plants, or funny stories from your garden.

    Have a mobile phone? Tag your photos on Facebook, Instagram, or Twitter with #FineGardening!

    Do you receive the GPOD by email yet? Sign up here

    GPOD Contributor

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