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How to Avoid Getting Sick During Flu Season

January 3, 2017 6:30 am

When winter rolls around, it can seem like everyone around you is down with some sickness. In fact, a recent Harris Poll survey found that 42 percent of Americans believe getting sick during cold and flu season is inevitable. The same survey found 36 percent believe the workplace to be the most likely place to catch a cold or the flu, while nearly a quarter blame their sniffled on public transportation.

Below are a handful of tips from osteopathic family physician Rob Danoff, DO, on staying well all winter.

Make sure your family is vaccinated.

The flu shot may not save your life, but it very well could save someone else's, according to Dr. Danoff, who adds that children who receive the flu vaccine are far less likely to be hospitalized by the flu. The shot also helps protect those who cannot be vaccinated, as well as the elderly and those with preexisting conditions that make flu a greater threat.

Upgrade your hand washing technique.

Scrub like a doctor and you'll avoid myriad germs that the typical "wringing and rubbing" technique misses. Researchers who looked at people's freshly washed hands found that the insides of the fingers often aren't clean, Danoff noted, giving the hundreds of viruses that cause colds a safe hiding place. Also remember to scrub the backs of your hands and under the finger nails.

Eat your veggies and go to bed.

Get your vitamins from food, not a pill, and you'll reap countless protective health benefits. Better nutrition directly translates to better resilience and fewer illnesses, according to Dr. Danoff. Add 7-9 hours of daily sleep and your body is primed to battle the pathogens that proliferate when people spend more time indoors.

Get outside when the sun shines.

Decreased levels of vitamin D can weaken your immune system. Take a morning or afternoon walk to soak up the sparse rays during the winter months and you'll boost both your mood and your immunity.

Keep moving.

Adding exercise on top of a daily sunshine walk makes your immune system function more effectively. A bit of indoor cardio or strength training conditions your body to fight off illness—including the winter doldrums. Drink enough water to meet your hydration needs, which don't drop along with the temperature.

Stay social.

People have a tendency to "socially hibernate" during winter. Humans are social beings and positive interactions with friends improves mood and wards off depression, which can compromise the immune system.

Source: www.DoctorsThatDO.org.

Published with permission from RISMedia.


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Dodge Winter Lawn Damage

January 3, 2017 6:30 am

(Family Features)--Winter conditions can present a wide range of challenges to your lawn and landscape, but there are precautions you can take to protect your lawn, as well as your trees and shrubs, from seasonal harm.

Preventive steps from the lawncare experts at TruGreen can help your lawn survive the winter season’s harsh elements.

Snow Plow Damage

Install brightly-colored boundary markers along the edges of paved areas to help protect lawn and shrubs from snow plow and snow thrower blades. Lightweight wooden stakes, at least four feet tall with bright reflective tape and brightly covered fiberglass rods, serve as good markers. Avoid heavy metal, fence posts and other large objects, as they can pose a hazard to snow plow operators.

Cold Temperature Stress

More so than any other season, trees and shrubs are vulnerable to changing weather conditions during the winter. Wide temperature fluctuation and extremely low temperatures are the biggest factors of tree stress, meaning your trees are more susceptible to things like frost cracks, sunscald and winter burn.

Keep twigs and limbs from breaking under the weight of ice by carefully brushing away, whenever possible, any snow load from plants, which will reduce the weight on the limbs and decrease the damage. Placing a burlap cover around shrubs such as boxwood and yews will help reduce winter desiccation.

Proper fertilization can help keep your trees and shrubs healthy well into spring, and allow them to better tolerate winter. A service can help with tree and shrub services customized to meet your landscape’s every need, including applications to control overwintering insects, pests and mites.

Freezing Temperatures

Damage to plants, shrubs and trees as a result of sustained low temperatures can typically go undetected until spring or early summer, when plants fail to produce new growth. To help prevent damage, maintain a two- to three-inch layer of mulch to help protect the crown and roots from weather extremes.

Winter Dehydration

During the colder months of winter, plants cannot replace moisture lost from leaves and needles. This leads to “dehydration” – technically known as desiccation. To help avoid this problem, maintain proper watering late into the fall, or water during periods of winter thaw.

Ice Melt

Ice-melting agents, such as rock salt and products containing calcium and magnesium chloride, may accumulate in the soil and cause damage to plants. Use extreme care when applying ice-melting agents to prevent damage to your plants or concrete surfaces.

Source: TruGreen.com.

Published with permission from RISMedia.


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7 Things to Remove From Your Home When You List It

January 2, 2017 6:27 am

When listing your home, there are a lot of things to think about. How you stage your space should definitely be at the top of that list. While you may not have the means to bring in a pro stager, you can put your best foot forward by removing the following from your space.

Family photos. While these treasures may mean the world to you, personal items like this make it difficult for a potential buyer to imagine themselves in your space. Pack up these photos for the move—you'll need to do this eventually anyway, so consider it a head start.

Odors. From a musky basement to the closet where the kitty litter box is kept, odors in your home are a huge turn off. Rip up mildewed carpet, open windows, light candles--whatever you need to do to keep a buyers nose from wrinkling.

Clutter. While you may love your corners stacked high with books and your shelves piled with mementos and knick-knacks, clutter can be distracting for buyers. Pick a few key items to leave out on shelves and pack the rest away.

Non-neutral design elements. Black lights in the basement or lacy, frilly curtains in the sunroom may seem fun to you, but these bold design elements can throw a buyer. Create a neutral atmosphere wherever possible.

Junk. Clear any old, unused items from your closets, storage spaces, basement and attic. You're going to have to get rid of these items when you move anyway, so you may as well do this now so your buyer can envision their own items filling up these spaces. 

Pets. While it may not be possible to banish your furry friends while your home is for sale, you can make sure they're out of the way when a buyer is visiting. You never know what allergies or fears buyers may have, so put the animals outside or bring them over to grandmas for an hour, if possible.

Worn-out furniture. That sagging, stained couch in the basement may not be a big deal to you, but it can be an eyesore to an outsider. An empty space is better than a poorly furnished space, so adjust where needed.

Published with permission from RISMedia.


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5 Financial Resolutions for the New Year

January 2, 2017 6:27 am

When it comes to making resolutions, many Americans hope to stash away more cash. Below are several easy financial resolutions you can make to bolster your bank account.

Open a separate savings account to force yourself to build an emergency savings fund. Make it separate from your main financial institution, with no ATM card, so you will be forced to go into a branch to withdraw money.

Educate yourself. Check out some books on personal finance or subscribe to a magazine or personal finance blog.  

Pull your credit score and report. A good way to start the year is to find out exactly where you stand financially. Download your credit report (one free each year from each of the three main reporting bureaus) at www.annualcreditreport.com.

Plan ahead. Get in the habit each night of preparing for the next day: Packing lunches, prepping breakfast and dinner.  That way you will not be tempted to buy convenience food on the run, because you are rushed.

Unsubscribe. Remove the temptation of impulse buying online by unsubscribing from retail email.  This can take some time, but, ultimately, you will save time and money by not being bombarded with emails "deals", tempting you to buy.

Source: www.greenpath.org

Published with permission from RISMedia.


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Shopping for a New Car? Game on!

December 29, 2016 6:24 am

Dreaming of a shiny new car in your driveway? Then come back down to earth and create a solid game plan. While the prospect of a new set of wheels is very exciting, it’s critical to slow down and make wise decisions—after all, a car is a big investment. Here are some tips for becoming a savvy car consumer:

1. Get your loan first, advises Consumer Reports. Even before you know what type of car you’re going to buy, do some loan comparison shopping online and find out what sort of interest rates you’re looking at—a difference of only two percentage points can add up to more than $1,000 over the life of the loan. Focus on the annual percentage rate (APR) and go for the shortest timeframe possible—you will end up paying much less for your car over four years as opposed to five.

2. Do upfront research online. According to financial expert Clark Howard, start with the annual April auto issue of Consumer Reports, which features their list of recommended cars to buy. Once you’ve decided on the cars you’re considering, search online for the dealer cost of the vehicle with the options you want. Then, says Howard, get some online price quotes and contact dealers to see if they’ll match the quote.

3. Know your “shopping style” and stick to it, says Kelley Blue Book. Many car buyers get swept away in the moment—or by an effective salesperson—and end up buying a car they didn’t have in mind. So have a clear understanding of what matters most to you in new car - such as value, image or safety - and don’t be talked out of it.

3. Time to choose: new, used or lease? There are several options available when it comes to buying a car, and thanks to the popularity of leasing, you can add certified pre-owned (CPO) to the list. According to BankRate, a CPO may offer the best of all worlds—they’re cheaper than brand-new cars, usually have some warranty left and must meet certain criteria to ensure their condition. Know the pros and cons of each option and decide what will work best for you in advance.

4. Don’t skimp on the test drive. Forget the quick spin around the block—ask the dealership if you can take the car for a few hours or maybe even for the weekend. You want to make sure you’re experiencing the car in a variety of ways (i.e., highway and street) and  in several conditions (i.e, rain, snow, nighttime). BankRate also suggest that you spend some time in the car while it’s in park—play with the seat adjustments and other controls, and survey the backseat and trunk space.

Following the above steps will help stave off buyer’s remorse and keep you happily rolling along in your new ride for years to come.

Published with permission from RISMedia.


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Firework Safety for the New Year

December 29, 2016 6:24 am

New Year's Eve is a wonderful time to celebrate. However, if libations flow freely on New Year's night, make sure you're not manning any fire works. Just like you wouldn't drink and drive, drinking and shooting fireworks is a huge safety hazard, resulting in many deaths and injuries every year.

Nancy Blogin, President of the National Council on Fireworks Safety notes: "Each New Year's Eve, consumers are injured because their judgment has been impaired by beer, wine, or other alcoholic drink. In the past several years, there have been reports of accidents where the person that was injured had been under the influence of alcohol and did not handle the fireworks in a responsible way.  The lesson is simple: alcohol and fireworks don't mix."

In addition, the National Council reminds shooters of consumer fireworks of these other important safety tips:

- Only use fireworks outdoors.
- Use fireworks as directed on the product label.
- Obey all local laws regarding the use of fireworks.
- Never give fireworks to young children.
- Wear safety glasses when shooting fireworks.
- Always have a bucket of water, or water hose, nearby.

Source: www.FireworksSafety.org.

Published with permission from RISMedia.


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How to Use a Gift Card Exchange

December 29, 2016 6:24 am

We've all received a gift card we know we'll never use. Instead of letting the card gather dust or purchasing something you don't truly want, consider using a gift card exchange network to trade that card for one you value more, or swap it for cash value.

According to Cardpool, gift card buyers and sellers interested in using exchange services can follow these tips when considering their gift card exchange options:

Look for trusted exchange providers with a gift card purchase guarantee. For example, Cardpool guarantees that gift cards purchased from its website will be valid at the merchant for the dollar amount specified on your order for up to 180 days from the date of your purchase and up to a maximum of $1,000 per customer.  Do your research before selecting your gift card exchange company. Search news coverage and online reviews including the exchange company's status with the Better Business Bureau (BBB).

Choose an exchange that verifies the gift card balance. Make sure you know exactly what you are getting with a site that is clear and visible.  

Understand how the buying and selling process works. Read the fine print. Check out reviews and see if former users are satisfied. Be an informed consumer and you will have a positive experience.  

Source: www.cardpool.com.

Published with permission from RISMedia.


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Millennials More Fiscally Responsible Than You Think

December 28, 2016 12:24 am

While millennials often get a bad rap when it comes to responsibility, a new report shows that this generation of 18 – 34 year olds is more on board with financial values than you may have thought.

According to the Credit Karma Millennial Report, millennials are not the irresponsible job hoppers they are often perceived as, but rather loyal employees when treated and paid fairly.  The survey of more than 1,000 millennials also revealed the following surprising facts:
Millennials are financially driven when it comes to career. Almost two-thirds of Millennials said a wage increase or promotion motivated them to change jobs, as opposed to a desire to simply try something new.

Millennials are loyal employees. Seventy percent of older, currently employed Millennials (ages 29-34) said that on average, they had stayed four years or longer at each job they've held. Among younger Millennials (ages 18 – 28), 63 percent said they anticipated working for their current employer for four or more years.

The majority of Millennials are opening credit cards and building positive credit histories early. Millennials are taking the step of opening credit cards just as generations before. Sixty-two percent of those surveyed said they had at least one open credit card. Among the minority who do not have a credit card, 48 percent cited an aversion to debt as their number one reason.

The majority of young people are saving for retirement and have an emergency fund already. Of the 52 percent of Millennials saving for retirement, 89 percent started at age 28 or younger. Sadly, the survey found the majority (62 percent) aren't confident Social Security will be waiting for them and they are still reeling from the impact of the 2008 recession. In fact, 75 percent of Millennials cite the 2008 financial crisis as moderately, very or extremely influential in shaping their beliefs about personal finance management.

Student loans aren't holding them back. While it's true that this generation is drowning in student loan debt, it isn't holding them back. Less than 20 percent of Millennials surveyed who do not have any open credit cards cited their student debt load as impacting their decision to take out credit. Just 4 percent said that student loans were holding them back from owning a home, making them prime candidates to soon enter the real estate market.

Source: Credit Karma

Published with permission from RISMedia.


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What Americans Hope to Do With Their Money in 2017

December 28, 2016 12:24 am

Money is often on the mind of many of us, from daily uses (to latte, or not to latte?) to big ticket spending items and the management of debt. To find out what people hope to do to improve their finances come 2017, GOBankingRates.com asked 3,000 adults to name their top financial resolution for the upcoming year. Below were the options:

- Create a budget and stick to it
- Build an emergency fund
- Improve my credit score
- Save more, spend less
- Increase my income
- Pay down debt
- Save more for retirement
- Have more spending freedom
- Make a large purchase (home, car, etc.)

The most popular choice, hands down, was “save more, spend less.” While what people are saving up for may vary, the fact that they wish they were saving more does not waver. Here's to hoping for big savings in the new year!

Source: GoBankingRates.com

Published with permission from RISMedia.


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Procrastination: It’s a Good Thing

December 28, 2016 12:24 am

Were you the kid in school who waited until the last minute to cram for a test or bang out an essay? Are you still pushing off the inevitable as an adult, whether it’s a work deadline, your taxes or a necessary home repair? If so, you’ve probably been shamed with the label of procrastinator. But that’s not necessarily a bad thing.

According to Psychology Today magazine, highly productive people tend to procrastinate in ways that actually increase their productivity. For example, one thing procrastinators tend to do is take care of small tasks in order to avoid attacking the larger task at hand. While this may seem counterproductive on the surface, you’re actually getting things done and thereby clearing the mental space needed to tackle your big job.

Another classic procrastination tactic is diverting your attention by chatting with a friend or colleague, or surfing the net. But this may be exactly the type of activity your brain needs to get jump-started or inspired to move on to your project. A good laugh, an interesting blog or video, or a few words of inspiration will help you relax and potentially spark a creative idea that sets you in motion.

Procrastination may also be the smartest choice when we’re confronted with making a big decision. According to “Wait: The Art and Science of Delay,” author Frank Partnoy advocates that we wait as long as possible when faced with making a decision—up until the last possible minute, in fact.  In an article in Smithsonian Magazine, Partnoy says, “People are more successful and happier when they manage delay. Procrastination is just a universal state of being for humans. We will always have more things to do than we can possibly do, so we will always be imposing some sort of unwarranted delay on some tasks. The question is not whether we are procrastinating, it is whether we are procrastinating well.”

How does one “procrastinate well?” Here are some tips for effectively pushing things off:

Get outside. Take a quick walk, have lunch at the beach or read a magazine in the park. Fresh air will reset and relax the mind.
Phone a friend. You probably owe your best friend or your mother a call. Take a few minutes to invest in a relationship.
Get inspired. Scroll through some favorite quotes or watch a YouTube video of someone you admire.
Keep busy. A body in motion stays in motion, so do small tasks while you’re procrastinating. Vegging out on the sofa can be a dead-end street.
Take a nap. Sometimes, however, we’re just plain tired. So take a 20-minute power nap and wake up with a fresh set of eyes.

Stay tuned for more tips on productivity, life at home and real estate trends.

Published with permission from RISMedia.


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