When it comes to American families and financial planning, perception is not reality. Although they are overwhelmingly optimistic about their financial future, their financial planning habits paint quite a different picture, according to a recent study commissioned by State Farm Life Insurance Companies and conducted by KRC Research.

The study reports that although 82 percent of Americans are optimistic about their financial futures, American families in reality are not adequately saving or protecting their finances.

If you want to put your best face forward, so to speak, consider getting a SilkPeel treatment at Lamb Family Medicine.

It takes 30 minutes, costs 50 bucks and works a small wonder on your skin. Lamb Family Medicine, at 7 Evans St., is also an aesthetic center and the only provider of SilkPeel in Batavia.

The procedure is remarkably clever, easy and worth every penny. I had it done last week and I hope to do it again.

Two types of attic water damage are common in cold climates: ice dams and condensation of water vapor on cold surfaces in the attic.

Ice Dams

Ice dams sometimes occur on sloping roofs in climates with freezing temperatures. When the temperature in your attic is above freezing, it causes snow on the roof to melt and run down the sloping roof. When the snowmelt runs down the roof and hits the colder eaves, it refreezes.

A lot of homes in Genesee County are really old, and so are their chimneys. But yesteryear's chimneys weren't designed for venting the energy-efficient appliances of today, nor are they safe and working properly just because they may look OK.

If you could see inside your chimney, you might find a lot to be concerned about.

Chances are, either your home or the home of someone you know, has a fuse box. Fuses function the same way breakers do -- to cut off power if an electrical circuit is overloaded. Both fuses and breakers can be very effective in protecting your home against an electrical fire.

However, one problem that can arise with fuses occurs when someone inserts a fuse of higher amperage than the circuit is designed for. 

Lorenzo is an exquisite line of Argentium sterling silver jewelry with 18-karat-gold accents and semi-precious stones in vibrant colors.

The flexible combination of silver and gold is crafted into bold, fashion-forward designs. The stones display exceptional faceting in complex settings and the result is dazzling yet affordable jewelry.

"Lorenzo offers very fine quality, very current styling," Maria Valle said.

The holiday season is almost here and that's when many couples begin scouting for the perfect engagement and wedding rings. And with the horizon of 2010 only a few weeks away, it's a great time to create something new for yourself or a loved one.

A world of dazzling possibilities beckons at Valle Jewelers this week during its semi-annual remounting and custom-design event. It takes place from 10 a.m. to 7 p.m. Friday, Nov. 6, and from 9:30 a.m. to 4 p.m. Saturday, Nov. 7.

Enjoy a personal consultation with the store's own custom-design specialist, Mark Berman of Manhattan, who will be there to help you design a special piece or re-craft something you already own. Make something old look new!

Berman will showcase his entire line of Icon Creations, with hundreds of bridal sets to choose from. Free financing is available to qualified buyers.

"He's just incredibly talented -- you tell him what you want and the next thing you know, it's on a piece of paper," Maria Valle said, noting that he uses computer-aided design software to bring ideas to life.

For happy couples who are no longer happy or a couple, Valle has some advice.

"Diamonds left over from love gone wrong are still good diamonds," she said. "You earned them. Reset them and enjoy them."

All fine jewelry needs proper care to ensure its durability and beauty for years to come. With jewelry, it's especially wise to be proactive. This would be a good time to have those gem stones sitting precariously amid your ring's worn-down prongs to be remounted or put into a stylish, new setting.

A lady at my optometrist's office admired my wedding ring one afternoon, which had been on my finger for many years.

"You ought to have a jeweler look at," she suggested.

She was right. I kept thinking "I'll get around to it, but I don't have time now," only to look down one day not long afterward to see a gaping hole where a one-carat diamond used to be.

Walk-in consultations are, as always, welcome, but people wishing to talk with Mark Berman about a design idea, can also make an appointment by calling 343-3372.

When people get ready to walk across a public road, they usually look both ways first to see if any motor vehicles are coming. Unfortunately, this isn't the case with animals, including certain large ones.

Too often, the result is a motorist's nightmare: a collision with a deer, moose or elk. The animal usually comes out second-best in this type of close encounter, but the toll on vehicles and their occupants can also be substantial.

According to the Insurance Institute for Highway Safety, more than 150 people die in animal-vehicle collisions each year. The Insurance Information Institute estimates some 1.5 million such collisions cause about over $1 billion in damage annually.

Chamilia is a brand-new line of jewelry offered at Valle Jewelers in Batavia and it's creating some buzz among the clientele, says Maria Valle.

Fans of these beautiful baubles are booking private parties in the store so friends and family can ooh-and-aah at the many choices and, of course, add some to their own collection. The after-hours parties are for 15 or more guests -- and the hostess gets a special gift.

Think of Chamilia (as in chameleon) as a new kind of beaded charm bracelet - or necklace - available in sterling sliver, 14-K gold or a combination of them.