How to Make Veal Piccata

1.Preheat the oven to 250 degrees F.
2.Place a veal cutlet between two large pieces of plastic wrap and set on a flat surface. Using the flat side of a meat mallet or the flat bottom of a heavy cup, pound the meat gently and evenly to double its surface area. Repeat the process with the remaining meat.
3.Place the flour, salt and pepper on a large dinner plate and mix together.
4.Heat the oil in a sauté pan over medium-high heat.
5.Take a piece of the veal and place it in the flour mixture. Make sure both sides of the veal are evenly coated with the flour. Slap the piece of veal gently between your hands to shake loose any excess flour.
6.Place the piece of meat in the pan and sauté for 1 to 2 minutes per side or until golden brown. Remove the veal to a plate lined with paper towels and put in the oven.
7.Quickly repeat the process with the remaining veal, adding more oil to the pan if necessary. The trick is to not let the temperature of the oil or the pan get too low or too high.
8.Once the veal is all cooked and in the oven, return the pan to the heat. Add the broth to the pan and bring to a boil, scraping the browned bits up from the bottom of the pan.
9.Add the lemon juice, capers, butter, and salt and pepper to taste. Stir to incorporate and melt the butter.
1..The sauce should thicken to a nice smooth consistency. If the sauce seems thin, swirl in more butter to thicken it.
1..Serve two veal cutlets per plate. Drizzle the sauce over the veal and garnish with a lemon slice and anchovy.   

How to Make Lemon Meringue Pie

1.Make piecrust dough. (See the Related How "How to Make Basic Piecrust.")
2.Sprinkle a little flour onto work surface.
3.Roll the ball of dough out to a thickness of about 1/8 inch. (See "How to Roll Out Dough," under Related Hows.)
4.Transfer to the pie pan by rolling the crust around the rolling pin, then unrolling in the pan, or by folding the crust into quarters, then unfolding in the pan.
5.Trim the edge to a 1-inch overhang; fold the edge under to make a rim.
6.Use your fingers to crimp the edge of crust decoratively.
7.Place in refrigerator for 20 minutes.
8.Preheat oven to 400 degrees F.
9.Use a fork to prick the dough repeatedly.
1..Crumple a sheet of wax paper, and cover piecrust with it.
1..Place pie weights or dry beans inside piecrust.
1..Put in oven to bake for 12 minutes.
1..Take out wax paper and pie weights.
1..Bake for another 6 to 8 minutes or until crust has turned golden.
1..Whisk together the granulated sugar, cornstarch and salt in a saucepan over low heat.
1..Gradually blend in 1/2 c. cold water and the fresh lemon juice.
1..When mixture is smooth, gradually add in 3 well-beaten egg yolks and butter.
1..Whisk constantly while slowly adding 1 1/2 c. boiling water.
1..Slowly bring mixture to a full boil, whisking gently.
2..As mixture thickens, reduce heat and simmer for 1 minute.
2..Remove from heat and stir in lemon zest.
2..Pour lemon mixture into piecrust and spread evenly.
2..Preheat oven to 325 to 350 degrees F.
2..Beat 2 egg whites and cream of tartar with an electric mixer in a chilled mixing bowl until the mixture forms stiff peaks.
2..Beat in confectioners' sugar 1 tbsp. at a time.
2..Add vanilla.
2..Cover filling completely with meringue. Make sure to spread meringue all the way to the edges of the crust so it is sealed to the edge when it bakes.
2..Bake for 15 minutes. The top of the meringue should be browned and crisp, but the insides soft.  
To avoid "weeping," or drops of syrup appearing on the meringue, be sure to keep the oven temperature at 350 degrees - do not raise the temperature. Weeping may occur anyway in humid conditions; if it's humid, serve the pie as soon as possible.
Use lime rind and lime juice instead of lemon.
To get the most juice out of fresh lemons or limes, bring them to room temperature and roll them under your palm against the kitchen counter before cutting.   

How to Decorate the Entrance of Your Home for Kwanzaa

1.Display the African-American Unity flag, the bendera ya taifa, which consists of three equal bands of red, green and black - the official colors of Kwanzaa.
2.Let your kuumba (creativity) run riot and devise your own decorating scheme in red, green and black. For example, twine thick, silken cords of red, green and black into braided rope and use it to festoon your doorway or the furnishings in your entrance hall. Or hang them in swags around the door frame and tie them into fat bows around lamps, candlesticks or the corners of tables. You could even tie bows around the necks of your children's stuffed animals, and then gather them into a big wicker basket to be set at your entrance door.
3.Display a collection of African or African-inspired sculpture or ceramics on a table in your entryway.
4.Hang a basket on your door and fill it with mazao - fruits of the harvest, one of the seven symbols of Kwanzaa.
5.Encourage your children to draw pictures representing the Kwanzaa principles and symbols, and then frame the drawings and hang them in your entrance hall. 
Kwanzaa runs from December 26 through January 1 each year. Established in 1966, it's a new kid on the block, as holidays go.
It's also one of the few holidays - if not the only one - that has ever sprung, full-blown, from the mind of one man. Maulana Karenga, a then brand-new professor of African-American history at California State University, Long Beach, devised it in the aftermath of the Watts riots to put African-Americans back in touch with their African heritage. He laid down very specific guidelines for celebrating Kwanzaa (although he didn't say anything about entrance decorations).
Like every holiday, this one is constantly evolving. Make it your own and have fun with it.   

How to Choose Stocking Stuffers for Preschoolers

1.Keep your preschooler entertained with videos, CDS, CD-Roms or DVDs.
2.Offer them action figures, a hand puppet, crayons, coloring books or small Lego sets that will keep them busy.
3.Give your kid a sense of safety with a cool night-light or a flashlight.
4.Challenge your child with small puzzles or educational card games.
5.Drop in a few fun things: a Pez dispenser, bubbles, stickers, finger paints or small cans of Play-Doh.
6.Add some twinkle to the mix with a few pieces of candy with shiny wrappers (c'mon--it's Christmas!).
7.Throw in a "license plate" with your child's name on it for the tricycle. 
Tips: Including a special ornament for the tree (perhaps with your child's name and the date inscribed) in the stocking every year is a nice tradition--when your child grows up, he or she will have a lifelong collection of ornaments.   

How to Read a Stock Quote

1.Locate the abbreviated name of the company. The abbreviation usually appears in the third column ("Stock").
2.Look at the 52-week high ("Hi"). This is the highest price anyone has paid for the stock in the past year, and it appears in the first column.
3.Find the 52-week low ("Low"). This is the lowest price paid for the stock in the past year. The figure appears in the second column.
4.Note the ticker symbol. This symbol, used by the stock exchange to identify the company, appears in the fourth column.
5.Check the dividend and yield figures that appear in the fifth and sixth columns. "Div" is the amount of cash that would be paid to shareholders yearly based on the most recent quarterly payment. "Yld" is the cash dividend divided by the closing price of the stock.
6.Review the "PE" figure that appears in the sixth column. The price-earnings ratio is calculated by dividing the closing price by earnings for the past four quarters combined. This provides a way to compare stock values.
7.Note the seventh column, "Vol.," which shows how many shares of the stock changed hands the previous business day.
8.Glance at the eighth and ninth columns, which show the highest ("Hi") price and the lowest ("Lo") price paid for the stock on that day.
9.Read the last two columns to find out the price at which the stock closed for the day ("Close") and the net change ("Net chg") from the day before. 
Some newspapers underline or otherwise highlight certain listings. This may indicate the company is locally based or has significant operations in the local area.
The quotes listed in newspapers generally show the closing price of the stock on the most recent trading day and, as such, are at least a day old. Online quotes are more up-to-date, but they tend to be about 15 minutes behind actual trading.   

How to Manage Life Insurance Coverage as You Grow Older

Eliminating or Reducing Term Coverage
1.Stop making premium payments on any term coverage that is no longer necessary for your designated beneficiary.
2.Reduce the death benefit of a policy if some coverage is still needed.
3.Call the customer service department of the insurance company's home office and ask for the necessary forms to effect either change. 
Redirect cash flow from premiums to debt payoff or to savings and investments.
Reducing coverage should result in significantly lower premiums. 
Don't eliminate coverage if there is still a need to provide a lump sum payment at your death to cover final expenses.
Changes in the death benefit will probably not be allowed to take place until the next policy anniversary date.
There may be a minimum amount of coverage below which an insurance company will not allow further reductions in the death benefit.
Premiums not paid before the end of the grace period will cause a term policy to lapse, and reinstatement of the death benefit may not be possible. 
Maintaining Coverage With No Further Premium Payments

4.Find the insurance policies (and latest annual statements) on which you are still paying premiums and for which you are the owner.
5.Separate term policies from permanent policies (ones with cash values), and set the term policies aside.
6.Write down, on a separate piece of paper for each permanent policy, the name of the insurance company that issued the policy, the phone number of the company's home office, and the policy or contract number.
7.Call the customer service department of each insurance company and ask the representative to send you an "in-force policy illustration" showing the effect of no further premium payments.
8.Document your call, noting the date, time of day, full name of the person to whom you spoke, and his or her direct phone number or extension.
9.Call the customer service department again to discuss your options after you get the illustration in the mail.
1..Stop making premium payments if you determine that you no longer need the coverage or if you can keep some or all of the coverage in force with the cash values of the policy. 
Permanent life insurance policies may have enough cash values to allow you to reduce or eliminate premium payments altogether and redirect that money to other uses.
If you have a good relationship with a life insurance agent, get him or her to help you.
You may want to contact a certified financial planner (CFP) or other financial professional to direct your efforts. 
Don't stop making premium payments until you know exactly what effect such an action will have on the values of your policy over time.
An insurance company will not take the initiative to advise you that you no longer need to make premium payments to keep your policy in force.
Watch out for insurance scams that direct you to borrow against or "cash out" your policy to buy more insurance.
Flexible premium or universal policies may require additional premium payments if the interest rates drop or the returns of invested cash values decrease. 
Exercising the "Reduced Paid-Up Insurance Policy" Option or the "Paid-Up Term" Option if Available

1..Contact the customer service department at the home office and ask the representative to calculate a reduced paid-up insurance policy based on current policy values.
1..Factor the lower death benefit of such a policy into your retirement and estate planning.
1..Fill out the necessary forms to allow the company to issue you a new permanent policy.
1..Exercise the paid-up term Option if available. Determine if your policy provides a paid-up term option, and calculate how long the term coverage will actually last.
1..Choose this option if your insurance needs do not exceed the period of extended term coverage. 
A reduced paid-up policy option may be one of the guaranteed benefits of your whole life or universal life policy.
Choosing this option provides a lower guaranteed lifetime death benefit to your beneficiary and eliminates the need for further premium payments.
A paid-up term policy allows you to stop making premium payments, yet still provides a death benefit to your beneficiary. 
Reduced paid-up insurance policies do not have a cash value against which loans can be made.
Once chosen, this change is permanent and irreversible.
The death benefit of such a policy will be significantly lower than that of the original policy.
This option is not available for all permanent-type life insurance policies.
Loans against cash values may not allow such an option to be exercised until they are paid in whole or in part.
Paid-up term policies are permanent and irrevocable and provide no cash values.
Loans cannot be made on paid-up term policies.
Insurance coverage terminates at the end of the term and cannot be renewed or extended.   

How to Use Scene Transitions in Premiere

1.Open or create a project.
2.Import clips.
3.Open the Construction window if it is not already open.
4.Set your viewing preferences for the Construction window with the Set Construction Window Options command in the Windows menu.
5.Drag the first clip into the first video track.
6.Drag the second clip into the second video track, arranging the second clip to overlap the first clip for the amount of time that you want the transition to last.
7.Open the Transition window with the Window menu.
8.Select the transition you want to use, such as a wipe.
9.Drag the transition into the T track, which is located between the first and second video clips.
1..Click on the Transition icon that appears in the T track. A dialog box will open.
1..Select your options for the transition. Click OK.
1..Preview your work.
1..Save the project. 
Tips: To delete a transition, click to select it, then press the Delete key or click Clear from the Edit menu.   

How to Make a Gift for Your English Teacher

1.Look in your textbook for gift ideas. You can make bulletin boards, puzzles or lessons to match parts of your textbook.
2.Make up a funny lesson using parts of English or punctuation. A funny fill-in-the-blank story is a good way to use an English lesson.
3.Design word-search puzzles using your spelling words. One puzzle for each month would make a nice break for the class and your teacher.
4.Design a word-search puzzle the size of the classroom door. Use a hundred words so it will last a long time. The students can search for words between classes.
5.Cover an inexpensive desk calendar with fabric or scrap wallpaper (see "How to Make a Personal Desk Calendar," under Related Hows).
6.Make a lesson plan book (see "How to Make a Lesson Plan Book for Your Teacher," under Related Hows).
7.Write a story using the name of every person in your class for the characters. Do this as a group and let everyone write a little bit of the story. 
Tips: Using good grammar and punctuation would probably tickle your English teacher more than anything else.   

How to Brush Your Toddler's Teeth

1.Purchase toddler toothpaste, preferably with no saccharin, and a toddler toothbrush.
2.Tell your toddler that all of his "friends" need to be brushed.
3.When his mouth is open, say "hello" to all of the "friends."
4.Make brushing fun - giggle and laugh while you're brushing the teeth.
5.Tell your toddler he's a big boy for brushing his teeth.
6.Show him how to spit in the sink.
7.Clap and encourage your toddler for a job well done.
8.Give him a sticker for each successful toothbrushing session - it works! 
Tell your toddler that his favorite cartoon character loves brushing his teeth as well.
If you have an older child, use him or her as a model for your toddler.
Make toothbrushing time a daily family activity. 
Avoid toothpaste with saccharin.
If your child complains of a toothache, consult a dentist.
If you have any questions or concerns, contact a dentist or other health care professional before engaging in any activity related to health and diet. This information is not intended as a substitute for professional medical advice or treatment.  Steps:
1.Shop. Several furniture companies and children's stores offer a variety of different style cribs to fit the decor of your house as well as ones that reflect a nursery theme. Other models convert from a crib to a toddler's bed to the head and foot board of a full-size bed. Expect to pay anywhere from $100 for a basic crib to $1,000 or more for fancier and more select brands.
2.Buy a crib with wheels. You will appreciate the ease of movement when you are cleaning or rearranging.
3.Question the sales person on safety standards. The federal government has specific standards manufacturers must adhere to. For instance, crib slats must be no more than 2 3/8 inches apart so baby's head will not slip through the slats. Also, the top of the dropside must be at least 26 inches above the support at its lowest position when raised and at least 9 inches above the mattress support when lowered. Avoid models that have cut outs in the head or foot board as they can also trap a baby's head.
4.Choose a model with mattress height adjustment. You will want the mattress at high for your newborn and lower once your baby begins to stand.
5.Check the ease of the dropside release. Since baby will most likely be asleep when you put her in the crib, an easy and quiet drop side is essential. Make sure it isn't too easy though - you don't want baby to learn how to release the dropside.
6.Shake the crib when it is on the sales floor. If it wobbles and is rickety, keep shopping or check the same model in another store to see if it was improperly assembled.
7.Measure the size of the crib, particularly the area the mattress will fit. The interior of the crib should measure at least 51 3/4 inches long by 27 3/4 inches wide. If you can fit two fingers easily between the side of the crib and the mattress, the mattress is too small or the crib is too big. Incorrect mattress fit can result in your child fatally slipping beside or underneath the mattress. 
If you are buying the crib as a gift, talk with the parents about what they are looking for or go shopping with them.
Assemble the crib in the room it is to be in. Chances are, it will not fit through the door if assembled outside the room. 
Don't buy a crib with finials on the corners. Young children have been strangled in several instances when their clothing becomes caught on the finial.
Don't place the crib directly under a window. A screen will not prevent your child from falling out of the window.
Avoid cribs manufactured before 1973. Federal guidelines were not in place for crib safety before that time.    Steps:
1.Research recall notices (see Related Sites). There have been recalls on several models of portable cribs because of fatal accidents. Some models are still sold - with additional safety equipment that consumers must install. Most recalled models have been pulled from store shelves and replaced with safer models, but you'll have to be especially cautious when borrowing or buying a used play yard.
2.Look for safety features. (Keep in mind that portable cribs are not subject to the same intense federal scrutiny as full-sized permanent cribs.) The mesh on the sides should be a tight weave so fingers and toes cannot poke through and little buttons and snaps won't get caught. The hinges should lock tight. Put weight on the hinge, does it seem strong enough? Can your child manipulate the lock by turning it and loosening it? Most play yard fatalities occur from the locks unlocking and folding down on the child.
3.Check for mattress comfort. Most play yards have a cardboard base with padding on top. Some models have more padding then others. Find a model that meets the safety requirements and has a well-padded base.
4.Measure the height of the crib. The top rail should be 22 inches from the floor to deter escape.
5.Shop around. There are many different sizes and colors of portable cribs; they can be found in just about any major toy or children's store. You can even buy models that coordinate with your stroller, swing and highchair. Some fold up into neat little bundles and have wheels and a handle for easy transport through airports. Expect to pay anywhere from $70 to $170. 
Buy a foam insert to cut and lay in your play yard as a mattress. Make sure the foam is firm enough for your baby to sleep on. A good way to test firmness is to press down on the foam with your finger. If it indents easily, surrounding your fingertip when you apply little pressure, it's too soft. If you have to press hard to get a little indent, the foam is firm enough to let baby sleep on.
Think about size. The bigger the play yard, the harder it will be to transport. 
A portable play yard should not take the place of a permanent crib.
Avoid laying comforters or soft blankets down to make the mattress more comfortable. Too much soft bedding increases suffocation risk for small babies.
Check on your baby frequently just to make sure everything is OK.   Steps:
1.Give a book. Toddlers love to look at pictures whether they're actual photos or drawings. They like to manipulate the pages of sturdy board books while they pretend to read. A quality children's book is a great way to encourage reading and letter recognition.
2.Buy books that introduce a specific skill. You can find a range of children's books introducing such concepts as the alphabet, numbers, shapes and colors. There are even books for toddlers that explain opposites and cause and effect relationships, or social experiences such as sharing and feelings.
3.Look for age-appropriate craft kits. Toddlers enjoy creating. What better way to teach colors than by painting or drawing with washable markers? Learning shapes can be exciting for toddlers when they are able to glue together different sizes and textures of shape cutouts. Foster creativity and, at the same time, teach an important concept.
4.Buy toys that require filling and pouring. When toddlers pour water or sand into containers or from one container to another they learn important characteristics about volume. The spatial orientation skills involved with filling and emptying containers will help the toddler understand the relationship between different sizes.
5.Find any toy that focuses on letter or number recognition. Blocks, puzzles, electronic toys - the list is endless. The more toddlers are immersed in alphabet or number print, the more likely they are to retain and recall numbers and letters. 
Make sure the gift you buy is recommended for the age of the child you are buying for. Toddlers become frustrated easily and nothing is more frustrating than receiving a toy you cannot play with.
Buy a gift certificate from an educational catalogue that sells toys. You can still buy something educational and give the gift of choice, too. 
Warnings: Check the gift for small parts that may be a choking hazard for small children.   Steps:
1.Rock your baby in your arms, a carriage, a swing or a cradle (but not until your baby is at least six weeks old). Experiment with a variety of rocking positions, since all babies are different.
2.Sing a lullaby to your baby.
3.Walk around with your baby in a sling or backpack.
4.Wrap your newborn snugly in a soft blanket, as some infants are soothed being swaddled.
6.Gently massage your baby’s back, tummy and thighs.
7.Give your baby a warm bath if he likes it.
8.Place your baby across your lap, tummy down, and stroke his back.
9.Walk around to relieve pressure, placing your forearm under your baby’s rib cage with the baby facing outward.
10.Soothe your baby with sound: Some babies enjoy rhythmic noises, such as music, a vacuum cleaner or a dishwasher. They may also find riding in a car very soothing. 
Always consult your pediatrician about colic. A pediatrician can make a proper diagnosis, eliminating possible causes such as an intestinal problem or an allergy to formula. She may recommend a medication for gas relief or a different baby formula.
Most babies outgrow colic by the end of their fourth month.  
Warnings: Never rock or shake your baby vigorously.   

How to Determine if You Paid Too Much Social Security Tax

1.Add up the Social Security tax withholding figures (box 4) on all your W-2 forms. If the total for tax year 2000 is greater than $4,724.40, you have paid too much Social Security tax.
2.Determine whether all of your Social Security withholding came from one employer. If so, you must ask the employer to reimburse you directly for excess Social Security tax paid. Your employer is required to do so.
3.Determine whether your Social Security tax withholding came from more than one employer. If so, the federal government will repay you through your 2000 income tax return.
4.Write the amount of excess Social Security paid on the line that says "Excess Social Security and RRTA tax withheld" in the Payments section of form 1040, or on the line that says "These are your total payments" in the Tax, Credits and Payments section.
5.Add the amount to your total payments and write "Excess SST" to the left of the number. 
Tips: Self-employed taxpayers need to use Schedule SE to determine their Social Security and Medicare taxes, known as self-employment taxes. 
The maximum Social Security tax of $4,724.40 applies to one employee. Do not add together your Social Security tax withholding and your spouse's Social Security tax withholding if you are married and are filing jointly.
You cannot use form 1040EZ to recover your excess Social Security tax.
The amount of income subject to Social Security tax - and the maximum Social Security tax to be withheld - rises each year. In 2001, the figure will be greater than in 2000.   Steps:
1.Determine if payments are voluntary or required. Only required payments are alimony.
2.Verify that payments are set up by an official written agreement or court order. Only such officially determined payments are alimony.
3.Determine if payments are made by some form of money. Alimony must be paid in money. Property settlements, goods or services are not alimony. (Divorces before 1985 can be different, however.)
4.Determine if payments are going to a bank or mortgage company to pay for a home you and your spouse jointly own. Such payments are alimony only if the payer makes all the mortgage payments, and then only half of the payments count as alimony.
5.Determine if payments are for real estate taxes or insurance on a home you both own jointly. Only if you are tenants in common and the payer made all the payments can half of the payments be alimony.
6.See if your agreement or order states the payments are not alimony. Even if they seem to be alimony, if it says they are not, they are not.
7.Find out if the payer is behind on child support payments. Payments are not considered alimony if back child support is due.
8.Find out if payments are in any way linked to the ages or circumstances of children. If payments are to stop or decrease when your child reaches a certain age or goes to college, they are child support and not alimony.
9.Determine if payments are compensation of any kind. If they are for use of property, time caring for a child or in return for some service undertaken, the payments are not alimony. 
Although alimony is considered to be "earned income" for the purpose of IRA contributions, alimony is not considered earned income when calculating the earned income credit.
If you jointly own a home and the recipient of alimony doesn't itemize deductions while the payer of alimony does itemize deductions, consider having the payer of alimony lower alimony payments and increase the mortgage payments. This will result in lower taxes for the recipient, but the payer will receive a deduction for mortgage interest payments. But don't do this if the alimony recipient is filing Married Filing Separately. 
If the alimony payer claims a deduction, but the recipient does not declare alimony as income, the IRS will recognize a discrepancy very quickly. Keep good records to defend your actions.
Alimony payments designed to continue after the death of the recipient are not really alimony. They are child support from the very beginning.