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Anthony Noland

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How to Stop Sitting so Much

November 23, 2017 5:12 am

Did you know that even if you run three miles every morning, it won’t offset the potential damage done by spending the next eight hours sitting at your desk? Some even say that sitting is the new smoking.

According to the Mayo Clinic, too much sitting poses a wide range of health risks, including obesity, increased blood pressure, high blood sugar, abnormal cholesterol levels and an increased risk of death from cardiovascular disease and cancer. Prolonged sitting also takes its toll on your emotional health, increasing anxiety and stress during the course of the day.

But what are you to do if you have one of the myriad of jobs that revolve around a desk—compounded by more sitting behind the wheel and an hour or two in front of the TV at night? Here are some simple—yet hugely important—ideas to get you up and moving around throughout the day:

Have a few calls to make? Stand up while you make them. Better yet, if you’re on your cellphone, do a little pacing while you talk.

Do more in-person communication. Instead of shooting off another email or text, take a stroll over to your colleague’s desk to deliver your message in-person.

Have walking meetings. Ditch the conference room and take a stroll to the nearest Starbucks for your next meeting. Or take a few laps around the nearest track.

Get a standing desk. There are a lot of affordable options in this arena, including simple attachments that allow you to raise your desktop when you’d like. Or, if you can afford a splurge, opt for a treadmill desk.

Never work through lunch. Even if it’s just a 20-minute break, get out and move around at lunch time. Run an errand or take a few laps around the parking lot. Inclement weather? Go browse the shelves at your local library, or at the very least, eat standing up in the break room.

Set your phone alarm to remind you to get up and move at least once every hour, even if it’s just standing and stretching.

Any kind of casual movement that gets you upright will help the effort. Your mind and body will thank you.

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For Parents and Grandparents: Fall-Proofing Your Home This Holiday Season

November 23, 2017 5:12 am

Whether you're a new parent or grandparent, raising a young child is full of fun, excitement, and sometimes, safety scares. If you're expecting a crowd this holiday season that includes a little one, or if it's your first holiday with your own tot, below are a few tips from AAOS and the Orthopaedic Trauma Association (OTA) to keep safety scares and falls minimal.

Reduce clutter. It's easy to accumulate clutter, such as boxes of décor and stacks of gifts from holiday shopping. Take the time to declutter your home, especially the hallways and stairs.

Designate a play area. Children may receive lots of new toys for the holidays and scatter them around the house. It's important to contain those toys in a dedicated play area and clean up after playtime to avoid tripping.

Keep walkways clear. Keep the path between your front door, driveway and mailbox well-lit and clear of debris.

Install nightlights. Keep the halls/walkways in your home well-lit and consider a nightlight in the bathroom. A clear path is especially helpful for family members or guests who are trying to get to the restroom in the middle of the night.

Secure all loose area rugs. Place double-sided carpet tape or slip-resistant backing on all loose rugs around your home. Don’t forget bathroom rugs.

Rearrange furniture. Ensure no furniture is blocking pathways between rooms.

Consider stair gates. If young kids will be visiting your home for the holidays, or you have children who live in your home, consider installing childproof gates at the top and bottom of your stairs to prevent children from accessing them without adult supervision.

If a fall happens, do not panic. Take several deep breaths, assess the situation and determine if you’re hurt. If you’re badly injured, do not try to get up. Instead, call for help from a family member or neighbor. If you’re alone when a fall happens, slowly crawl to the telephone and call 911 or a relative.

Source: AAOS and the Orthopaedic Trauma Association (OTA)

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Tips for Stretching a Small Living Room

November 22, 2017 5:12 am

Some people see a small living room as a cozy, intimate space. Others say they simply feel cramped. For those who fall into the latter category, professional decorators offer the following seven tips for making any living area look more spacious:

Clear out the clutter. Nothing makes a room look cramped like having too much stuff in it. Move magazines, collections and small décor items onto shelves, into drawers, or behind table skirts.

Open the pathway. When furniture blocks the view into a room, the whole room looks smaller. Move the sofa out of the middle of the room and choose low profile furniture, like short sofas, low tables and armless chairs. Remember that less is more. Get rid of any pieces you don’t need, and place taller pieces against the wall rather than out in open space.

Choose lighter hues. Warm, dark colors create a feeling of intimacy, while light, cool colors make any room seem more open and airy. For maximum effect, choose light shades of blue or green—or a combination of the two.

Let the light in. Any room will look more spacious if it’s well-lighted, either naturally or with a bit of help. Get rid of draperies and add more lamps, or install track lighting or recessed lights.

Try see-through pieces. By using materials you can see through, anything beyond them seems further away. Glass or lucite tops for dining or coffee tables will open up the view and make the room look bigger.

Use reflective surfaces. A mirrored wall will make any room look larger. If that seems to be too much, try a large framed mirror on one wall to help create an illusion of space and light.

Keep it monochrome. Select solid color upholstery instead of bold plaids or patterns. Use texture for interest and stick to neutral tones.

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Tips for Tax-Deductible Charitable Donations

November 22, 2017 5:12 am

At the end of the year, thousands of Americans rush to make charitable donations to offset their taxes or help out their favorite causes. According to Senior CFP Board Ambassador Jill Schlesinger, CFP®, too often, Americans  may not recognize two keys to smart giving: careful vetting of charities, and tax planning that helps make the most of a gift.

"Considering how many people make charitable gifts at year-end, it's amazing how little thought and research can go into the process," Schlesinger says. "There are fake charities and scam artists who take advantage of generosity."

To combat this, Schlesinger offers the following checklist for Americans who are preparing to make end-of-year donations.

Step 1: Confirm the charity is legitimate by searching the IRS tool, Exempt Organizations Select Check. Cross-reference by asking the organization for its employee identification number, and then searching the same database for it.

Step 2: Research the charity's financial health. The Better Business Bureau's (BBB) Wise Giving Alliance, Charity Watch, GuideStar and Charity Navigator offer guidance on how charities spend money. Many Americans want to understand what portion of a donation goes to overhead, versus the cause itself.

Step 3: Determine how to donate. Options include donations of goods, checks, wire transfers and credit card payments. Americans can also donate appreciated securities and write off the current value of a stock, or make donations directly from their IRAs, though some rules apply.

Step 4: Keep good records. For any donation valued at $250 or more, the IRS requires a bank record, payroll deduction or written communication identifying the organization, the date and amount of the contribution and a description of the property.

To be deducted from 2017, donations must be given or postmarked by midnight on December 31.

Source: Certified Financial Planner Board of Standards, Inc.

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Heat and Air Maintenance for the Holidays

November 22, 2017 5:12 am

With the holiday season right around the corner, your home will likely see more foot traffic. From friends stopping by with gifts, to parties and that yearly visit from the in-laws, your plumbing, heating and air units may be working overdrive.

"Attention to a few items in the home can help prepare you for visiting family and friends during the holidays," says Mike Nicholson, owner of Nicholson Plumbing, Heating & Air Conditioning. "Now is the time to take action on winterizing certain things in and around the home. It will give you peace of mind as the weather turns colder and holiday guests visit your home."

Nicholson offers these five tips to make sure the home is ready for colder weather and holiday visitors:

Check the plumbing: With the influx of visitors, toilets and fixtures will get a lot of use. Now is the best time to take care of any maintenance and repairs. If drains aren't flowing well and freely, plunge water into the drain first before you try to remove the trap in an attempt to clear it. Be mindful that some do-it-yourself, chemical drain cleaners can be harmful to your pipes. Instead, consider trying a natural remedy: pour equal parts salt, baking soda and vinegar to clean out a partial clog.

Tune up the heating: Winter often brings extremely cold temperatures, so you want to be sure your heating unit is working at peak efficiency. To make sure everyone is warm during the cold weather, try changing out your filters to give your system the best chance of success. You may also need a comprehensive heating system check. A system tune-up and filter replacement can go a long way toward preventing problems from putting a chill on your holiday plans.

Clean air ducts: To provide fresh, allergen-free air to your holiday houseguests, you will want to perform a thorough duct cleaning. When your ducts are filthy, your filters clog up faster and force your system to work harder to distribute air. This decreased efficiency leads to higher energy bills and excessive wear and tear on your system. Removing the registers and vacuuming the outlet is a good start, but you may want to opt for a whole-house duct cleaning to really do the job.

Seal drafty windows and doors: Applying caulk or weather stripping where cold air creeps in will help with energy savings. If cold air creeps in, that too will put a strain on the heating system's ability to keep your house warm and cozy for the holidays.

Winterize the exterior: To prevent pipes from bursting, ensure outdoor spigots are shut off as freezing weather approaches. Have some rock salt on hand to de-ice sidewalks to make sure your holiday visitors are safe.

Source: Nicholson Plumbing, Heating and Air Conditioning

Published with permission from RISMedia.


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Fraud Prevention Tips from a Pro

November 20, 2017 5:12 am

Frank Abagnale’s life as a teenage fraudster was brought to life in the Steven Spielberg film, “Catch Me if You Can,” based on the book Abagnale wrote about his years as a youthful con artist. After being caught, incarcerated and recruited by the FBI, however, Abagnale went on to serve the U.S. by developing sophisticated methods for defeating cyber crime for government entities, banks and businesses. Having turned down three presidential pardons, his work continues tirelessly to this day.

Here are a few of Abagnale’s tips for preventing fraud and cybercrime in our everyday lives:

Shred wisely. Not all shredders are created equal. Documents shredded by ribbon-cut shredders can be reassembled fairly easily, and cross-cut shredders are not foolproof either. The only shredder that permanently destroys a document is a micro-cut shredder.

Put away your debit card. Abagnale says the only way to really protect your money is by using a credit card - that way, if the card is stolen and used for fraudulent charges, you are legally protected by the credit card company. If your debit card information is compromised, however, so are the funds in your bank account for an indefinite period of time. One obvious caveat: use your credit card, but pay the balance in full each month. The idea only works if you don’t accrue interest and debt.

Use social media wisely. For Facebook in particular, do not use a profile picture that depicts a clear headshot photo. This can easily be captured by identity thieves. Instead, use a more abstract photo of yourself or show yourself in a group with others. Abagnale also recommends not including your birthdate and place of birth in your Facebook profile - more clues that make it easier for your identity to be stolen.

Avoid writing checks. Mailing checks to pay bills means the face of your check passes through many hands - exposing your key personal and checking account information to many people. Pay electronically instead, advises Abagnale.

Remember, anyone can fall victim to identity theft and fraud, so no precautions are too extreme!

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3 Ways to Check for Air Leaks in Your Home

November 20, 2017 5:12 am

Brrr, it's cold in here! If that's what you say every time you enter your living space, despite your heater working hard, you likely have an air leak.  

In a survey commissioned by Duck® brand and conducted online by Harris Poll, almost two-thirds of Americans live in a home that needs weatherization. Many of those homeowners aren't sure what products to buy or where to start. Don't let drafts sneak into your home this winter – follow the tips below to learn why weatherizing is important and how you can keep warm, and save on energy costs this season.

Where to start: Americans say that they feel large/fair amounts of drafts of cold air enter their homes through doors (24 percent), windows (25 percent) and attics (11 percent). Use these tactics to pinpoint the source of drafts in your home by:

- Holding your hand up to windows/doors to identify cracks or gaps – you should be able to feel a draft or temperature change.

- Look for daylight coming in through cracks/gaps – chances are if light comes through, so will drafts.

- Try blowing out a candle near windows, doors and electrical outlets – if smoke blows sideways, you have a leak.

Source: Duck brand

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4 Winter Tire-Safety Tips to Practice Today

November 20, 2017 5:12 am

Driving in the winter can be dangerous. But even if you check road conditions and remain alert while driving, you can still be at danger if your tires aren't in tip-top shape. Below are a handful of helpful reminders from Discount Tire.

Get ready now. It is important to replace all four of your vehicle's all-season tires with winter tires if you regularly drive in temperatures 45 degrees or below, snow or no snow. Winter tires are made of a softer rubber that allows the tires to stay pliable and maintain better contact with the road through any winter weather conditions. Check online listings to find the best set of winter tires specific to your vehicle make and model and have them shipped directly to you.

Don't forget the wheels. Having a set of wheels specifically for your winter tires will save you money in the long run. Pairing a separate set of wheels with your winter tires will eliminate certain changeover costs and save your expensive wheels from the wear and tear brought on by ice, slush, snow and salt during the winter months.

Know your numbers. Check your tire pressure at least once a month to make sure tires are at the appropriate inflation level. Temperature changes affect tire pressure – for every 10 degrees of temperature change, tire air pressure changes 1 PSI (pound per square inch). Low tire pressure leads to decreased steering and braking control, poor gas mileage, excessive tire wear and the possibility of tire failure. And don't forget to check your spare tire too!

Rotate, rotate, rotate. To increase tread life and smooth out your ride, rotate your tires every 6,000 miles or sooner if irregular or uneven wear develops.

Source: www.discounttire.com

 

Published with permission from RISMedia.


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Life at Home: What's Your Recycling IQ?

November 18, 2017 7:27 am

You might be patting yourself on the back for how good you’ve become at recycling around the house. But not so fast…there's a right and wrong way to recycle, and if you’re doing it the wrong way, you may be doing the environment more harm than good.

According to Republic Services, Inc., not following the proper steps when recycling can lead to contamination. A contaminated can or bottle tossed into the recycling bin can come into contact with other recyclables, like paper or cardboard, and potentially contaminate the entire batch. Fortunately, there are three simple steps you can take to recycle safely:

1. Completely empty the container by removing any food or liquid.
2. Clean the container by rinsing it with a small amount of water.
3. Dry the container by shaking out excess water and letting it air-dry before placing it in the recycling container.

In addition to properly prepping your recyclables, here are some other ideas to do more recycling, more efficiently, at home:
  • Think outside the box. Just because something can't be thrown in the recycling bin, it doesn’t mean it can’t be recycled. Think about reusing items instead of recycling them, and donate gently used books to libraries and schools, clothing to Goodwill, toys and DVDs to hospitals.
  • Check out local networks like Facebook Marketplace, town tag sales or Freecycle for getting rid of larger items, like furniture and tools.
  • Encourage recycling around your home by placing bins and containers in strategic areas, i.e., a large box in the laundry room for clothes that no longer fit, a collection bin for paper in your home office, and a plastic container on your patio or deck for bottles and cans during an outdoor gathering.
  • Be sure to check with your town regarding what can and cannot be recycled, like bottle caps. In some cases, the caps contain different chemicals, which your local program may not be able to recycle. 
For more real estate information, feel free to contact me.

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Painting Project in the Works? Consider the Colors of 2018

November 18, 2017 7:27 am

When it comes time to refreshing our walls with a new coat of color, we all have our favorite hues. But it’s always worth taking a look at the colors the experts choose as trending shades for the year ahead. The editors at remodeling.com compiled the 2018 picks from the top paint companies. So before you spread the drop cloth and don your coveralls, consider whether any of the following fashion-forward colors will work in your home:
 
The Green Hour: This blue-green with a healthy wash of gray from Dunn-Edwards can pass as a neutral shade, but also lends a moody or dramatic look to a room. If you’re looking for something light and airy, this isn’t it.
 
Black Magic: This choice from Olympic Paint is a shade of black that offers striking contrast when used for trim and accent furniture. You can also consider painting one or two walls in this color, depending on the size and purpose of the room in question.
 
In the Moment: Another blue-green hue, this one comes from Behr, and offers a softer, more pastel option. This versatile shade would work equally well in a bedroom, kitchen or living room—and is a nice gender-neutral option for a baby’s room.
 
Deep Onyx: This shade from Glidden is another twist on black, offering a classic, timeless approach, just like “a little black dress,” as the firm’s marketing department aptly describes it.

Caliente: Just like the name implies, this fiery red from Benjamin Moore will quickly heat up a room. It's perfect for a large dining room or any room that can handle a bright pop of color.

Oceanside: Yet one more take on a blue-green, this color from Sherwin-Williams is very deep and intense, just like its namesake.
 
If you’d like more information about homeownership, please contact me.

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