How To Prevent
Portion Distortion
Your mother’s old adage “finish your plate” isn’t the best advice anymore. Whether you eat out (restaurant portions are up 40 percent over the last 30 years) or eat in at home, portion sizes have grown out of proportion, causing many of us to consume extra calories and add unhealthy pounds. Here’s how to prevent portion distortion and help control your weight.
Know your terms. A portion is the amount of food you choose to eat for a meal. Big or small – the choice is up to you. A serving is a measured amount of food or drink, such as one slice of bread or 8 ounces of milk.
Read the Nutrition Facts Label. The Food and Drug Administration puts it there to tell you how many calories and how much fat, carbohydrate, sodium and other nutrients are in one serving of the product. You may think the 3-ounce bag of chips is one portion, but the label says it contains 3 servings.
Gradually reduce your portions. Try relating one serving size to everyday objects such as these offered by the National Heart Lung and Blood Institute:
1 cup of cereal = a fist
2 tsp of peanut butter = a ping-pong ball
1/2 cup of ice cream = 1/2 baseball
1 medium fruit = 1 baseball
3 ounces of meat, fish or poultry = 1 deck of cards
Use the “New American Plate” guide. The American Institute for Cancer Research says to look at your plate and aim for meals made of 2/3 (or more) of vegetables, fruits, whole grains or beans, and 1/3 (or less) animal protein.
Repackage products. Buying large-size bags or boxes may save you money, but divide the items into single serving packages when you get home.
Don’t “supersize” at fast-food restaurants. It may sound like a good value but you know you’re eating more than you should. If you go for the larger-sized meal at any restaurant, be sure to share it with a friend or take half of it home for another meal.
Saturday, April 30, 2011
Friday, April 29, 2011
A Few Words of Caution When Buying As Is
Q. Should You Ever Buy A House That Is An “As Is” Property?
A. It really depends on the house and the situation. There may be two reasons a house is marketed as an “As Is” Property. The first may be because the seller just doesn’t have the money to make the necessary repairs, and wants to get out from under the cost of repairing the property.
The second reason is much more difficult. A word of caution is in order. The house may have serious problems! Something serious may be defective...so buyers beware. Generally speaking, an “As Is” property tends to have a major structural or functionally obsolete (i.e. expensive!) problem. Typical problems may range from a faulty roof, termites or serious termite damage, problems with the foundation, leaking pipes or other plumbing problems, to problems with a pool/spa just to name a few.
It is in the buyer’s best interest to have a home inspection completed and all the problems documented, so that the buyer is aware of any potential problems with the property.
If you are buying or selling a home and need competent and caring representation, please call me at 206-226-0565.
A. It really depends on the house and the situation. There may be two reasons a house is marketed as an “As Is” Property. The first may be because the seller just doesn’t have the money to make the necessary repairs, and wants to get out from under the cost of repairing the property.
The second reason is much more difficult. A word of caution is in order. The house may have serious problems! Something serious may be defective...so buyers beware. Generally speaking, an “As Is” property tends to have a major structural or functionally obsolete (i.e. expensive!) problem. Typical problems may range from a faulty roof, termites or serious termite damage, problems with the foundation, leaking pipes or other plumbing problems, to problems with a pool/spa just to name a few.
It is in the buyer’s best interest to have a home inspection completed and all the problems documented, so that the buyer is aware of any potential problems with the property.
If you are buying or selling a home and need competent and caring representation, please call me at 206-226-0565.
Thursday, April 28, 2011
Americans Largest Source of Calories?
Sweet Drinks Number #1 Source
Of Calories In The U.S.?
How many soft drinks or other sugar-added drink do you consume a day? One, two, five, or more? There’s an alarming trend occurring in the American diet—soft drinks and other sugar-added drinks are becoming the main source of calories. According to researchers at Tufts University, the average American consumes enough sweet drinks each day that add up to more calories than any other food source.
In the study, researchers collected data to study the relationship between obesity and certain foods. What they found was shocking! Two-thirds of the people sampled reported that they consumed enough sweet drinks to provide them with more daily calories than any other food source. Want to lose weight? Limit your sweet drinks.
Of Calories In The U.S.?
How many soft drinks or other sugar-added drink do you consume a day? One, two, five, or more? There’s an alarming trend occurring in the American diet—soft drinks and other sugar-added drinks are becoming the main source of calories. According to researchers at Tufts University, the average American consumes enough sweet drinks each day that add up to more calories than any other food source.
In the study, researchers collected data to study the relationship between obesity and certain foods. What they found was shocking! Two-thirds of the people sampled reported that they consumed enough sweet drinks to provide them with more daily calories than any other food source. Want to lose weight? Limit your sweet drinks.
Wednesday, April 27, 2011
A Surprising Way To Lower Your Cholesterol Naturally!
A recent study published in the Journal of the American Medical Association (JAMA), found that people who ate a lot of plant sterols and fiber naturally lowered their cholesterol by 29%. What are plant sterols? They are foods that many of us like to eat: avocados, walnuts, almonds, olives, eggplant, olive oil, and flaxseed.
The researchers found that people on the drug, Lovastatin, lowered their cholesterol by 30%, and people who ate a low-fat diet reduced cholesterol levels by 8%. What’s interesting about these findings is they show that a diet rich in plant sterols can be as effective as one of the most frequently prescribed cholesterol-lowering drugs—and without some of the side effects associated with prescription drugs.
Adding these important foods can help raise your good cholesterol (HDL) while lowering your bad cholesterol (LDL). Note: If you’re on a cholesterol reducing medication, talk with your physician before making any changes.
The researchers found that people on the drug, Lovastatin, lowered their cholesterol by 30%, and people who ate a low-fat diet reduced cholesterol levels by 8%. What’s interesting about these findings is they show that a diet rich in plant sterols can be as effective as one of the most frequently prescribed cholesterol-lowering drugs—and without some of the side effects associated with prescription drugs.
Adding these important foods can help raise your good cholesterol (HDL) while lowering your bad cholesterol (LDL). Note: If you’re on a cholesterol reducing medication, talk with your physician before making any changes.
Tuesday, April 26, 2011
Where’s The Cheapest Gas In Your Area?
If you’re looking for the least expensive gas in your area, go to gasbuddy.com or gaspricewatch.com. The gas prices are listed by ZIP code and the surrounding areas.
Monday, April 25, 2011
Negotiating On The Job
Would you like to improve your job negotiation skills? A recent survey conducted by the Society of Human Resources Management and CareerJournal.com, found that both employees and HR specialists are willing to talk about salary, but they differ on other issues.
Employees focus on bonuses, incentives, and time off, while HR specialists may be more willing to talk about flex schedules and relocation costs. (The survey indicated employees may have more negotiating power on non-salary issues.) Here are six valuable tips you can use for better negotiating on your job:
• Make sure to show your enthusiasm for the job at hand.
• Know your strengths and skills and explain why you’re the best person for the new job or raise.
• Use the right words and cite facts, “I’ve done the research, and the market reflects this salary.”
• Ask for what you want, and explain why you deserve it.
• Be open to what is presented and remain objective.
• Avoid talking about specific salary figures until the end the interview process; otherwise you may limit your options.
Employees focus on bonuses, incentives, and time off, while HR specialists may be more willing to talk about flex schedules and relocation costs. (The survey indicated employees may have more negotiating power on non-salary issues.) Here are six valuable tips you can use for better negotiating on your job:
• Make sure to show your enthusiasm for the job at hand.
• Know your strengths and skills and explain why you’re the best person for the new job or raise.
• Use the right words and cite facts, “I’ve done the research, and the market reflects this salary.”
• Ask for what you want, and explain why you deserve it.
• Be open to what is presented and remain objective.
• Avoid talking about specific salary figures until the end the interview process; otherwise you may limit your options.
Saturday, April 23, 2011
The Power of Sleep...And the Dangers of Not Enough
Did you know that the quantity and quality of your sleep may be the biggest indicator of your health? Dr. James B. Mass, bestselling author of Power Sleep, and Cornell University professor, reports that sleep can have an enormous impact on your overall health, outlook and productivity. It may also be the biggest predictor of how long you live – even more than diet, and exercise!
How do you know if you’re getting enough sleep? Most people should get eight hours, experts say. If you fall asleep the minute your head hits the pillow, if you’re frequently tired, irritable, or if you have trouble getting up in the morning, you need more sleep. What can you do? Here are seven important strategies to help you get a better night’s sleep:
1. Maintain A Regular Sleep Schedule. Go to bed at the same time and wake up at the same time every day; allow for at least 8 hours per night.
2. Keep Your Bedroom Dark and Quiet. Your body’s response to darkness is to produce an increase in the naturally-occurring hormone, melatonin – proven to produce a deeper, more restful sleep.
3. Exercise Daily. Exercising daily relieves stress and improves your overall health; however, avoid exercising right before bedtime.
4. Avoid Alcohol and Stimulants. If you have any trouble sleeping, avoid alcohol, coffee, caffeinated drinks, tea, chocolate, and nicotine.
5. Make Sure Your Bed And Pillow Are Comfortable. Choose the right bed (and pillow) for you. If you’re having trouble sleeping you may want to shop around for a new bed or pillow.
6. Put Your Worries In Jar. Write down any worries, put them in a jar, and let them go for the night. You can set aside time the next day to handle them.
7. Sleep Alone If Your Partner Keeps You Awake. If your mate is keeping you up with his/her snoring, sleep in another room.
A good night’s sleep is essential to your good health. Make it a priority!
How do you know if you’re getting enough sleep? Most people should get eight hours, experts say. If you fall asleep the minute your head hits the pillow, if you’re frequently tired, irritable, or if you have trouble getting up in the morning, you need more sleep. What can you do? Here are seven important strategies to help you get a better night’s sleep:
1. Maintain A Regular Sleep Schedule. Go to bed at the same time and wake up at the same time every day; allow for at least 8 hours per night.
2. Keep Your Bedroom Dark and Quiet. Your body’s response to darkness is to produce an increase in the naturally-occurring hormone, melatonin – proven to produce a deeper, more restful sleep.
3. Exercise Daily. Exercising daily relieves stress and improves your overall health; however, avoid exercising right before bedtime.
4. Avoid Alcohol and Stimulants. If you have any trouble sleeping, avoid alcohol, coffee, caffeinated drinks, tea, chocolate, and nicotine.
5. Make Sure Your Bed And Pillow Are Comfortable. Choose the right bed (and pillow) for you. If you’re having trouble sleeping you may want to shop around for a new bed or pillow.
6. Put Your Worries In Jar. Write down any worries, put them in a jar, and let them go for the night. You can set aside time the next day to handle them.
7. Sleep Alone If Your Partner Keeps You Awake. If your mate is keeping you up with his/her snoring, sleep in another room.
A good night’s sleep is essential to your good health. Make it a priority!
Friday, April 22, 2011
How To Shake The Salt Habit
Are you hooked on salt? Most of us are. Adults consume about 3,400 milligrams of sodium a day on average and that doesn’t count what you add with the salt shaker! Too much sodium can contribute to high blood pressure, leading to heart disease, stroke and other serious health problems. Here’s what you need to know and do to shake the habit.
• Your body needs sodium to function, but only about 500 milligrams a day. Table salt is 40 percent sodium so one teaspoon is 2,300 milligrams. Set your salt budget to 1,500 milligrams a day (two-thirds of a teaspoon).
• Seventy-seven percent of the sodium consumed is from processed and restaurant food. Food manufacturers and restaurants are taking steps to reduce the sodium, but while that’s happening, it’s up to you to take control. When eating out, share entrees, order smaller portions and ask for sauces and dressings on the side.
• Cook more at home and shop selectively. Cook with fresh herbs and spices, and rinse the contents of canned foods before you use them.
• Learn some salty language. The term “reduced sodium” only means that the product contains at least 25 percent less than its original version. “Sodium-free” is better – it means less than 5 milligrams of sodium per serving. Look for “%DV” (or daily value) for sodium on the Nutrition Facts label. Anything above 20 percent is high. Aim for 5 percent or less.
• Watch out for diet foods. Kraft Free Zesty Italian dressing, for example, has only 15 calories, but 480 milligrams of sodium.
• Focus on eating a balanced diet of fruits, vegetables, whole grains and low-fat dairy products. These are all high in potassium, magnesium and calcium, minerals needed to maintain healthy blood pressure levels.
For more salt strategies, go to the Harvard School of Public Health site at www.hsph.harvard.edu/nutritionsource/salt/tasting-success-with-cutting-salt/index.html
• Your body needs sodium to function, but only about 500 milligrams a day. Table salt is 40 percent sodium so one teaspoon is 2,300 milligrams. Set your salt budget to 1,500 milligrams a day (two-thirds of a teaspoon).
• Seventy-seven percent of the sodium consumed is from processed and restaurant food. Food manufacturers and restaurants are taking steps to reduce the sodium, but while that’s happening, it’s up to you to take control. When eating out, share entrees, order smaller portions and ask for sauces and dressings on the side.
• Cook more at home and shop selectively. Cook with fresh herbs and spices, and rinse the contents of canned foods before you use them.
• Learn some salty language. The term “reduced sodium” only means that the product contains at least 25 percent less than its original version. “Sodium-free” is better – it means less than 5 milligrams of sodium per serving. Look for “%DV” (or daily value) for sodium on the Nutrition Facts label. Anything above 20 percent is high. Aim for 5 percent or less.
• Watch out for diet foods. Kraft Free Zesty Italian dressing, for example, has only 15 calories, but 480 milligrams of sodium.
• Focus on eating a balanced diet of fruits, vegetables, whole grains and low-fat dairy products. These are all high in potassium, magnesium and calcium, minerals needed to maintain healthy blood pressure levels.
For more salt strategies, go to the Harvard School of Public Health site at www.hsph.harvard.edu/nutritionsource/salt/tasting-success-with-cutting-salt/index.html
Wednesday, April 20, 2011
Tired Of Junk? Try This
Does your physical mailbox overflow with catalogs, solicitations and loads of other stuff you just don’t want? You can opt out of some of these mailings by contacting the companies directly or trying these sites:
www.optoutprescreen.com. This is the official site to opt out of pre-screened or pre-approved credit and insurance offers. By opting out, Equifax, Experian, Innovis and TransUnion will not include your name on lists used by creditors and insurers to make offers that you don’t initiate. If you change your mind, you also can “opt-in.”
www.dmachoice.org. While there are benefits to direct mail (find out about new products and money-saving deals), you probably want to eliminate things you’re not interested in. The Direct Marketing Association lets you choose whether you want to receive mail from companies in four categories: credit offers, catalogs, magazine offers and other offers (donation requests, etc.).
www.catalogchoice.org. Use this free title-specific service to opt out of postal mail from companies that are already marketing to you. You can reduce more of your mail by signing up for their new Unlisting Service. For a $20 annual “donation,” they’ll work as your agent to remove your information from third-party marketing company databases. These companies create lists (based on your past purchases and interests) that are rented to companies for marketing purposes.
www.yellowpagesoptout.com. This site lets you stop all those phone books you probably don’t use. Type in your zip code and you’ll be surprised to see how many phone books you’re eligible to receive. You also can get tips on how to recycle outdated directories.
Note: Opting out won’t end solicitations from local merchants, religious and charitable associations, professional and alumni associations, politicians and companies with which you conduct business. To eliminate mail from these groups, write directly to each source.
www.optoutprescreen.com. This is the official site to opt out of pre-screened or pre-approved credit and insurance offers. By opting out, Equifax, Experian, Innovis and TransUnion will not include your name on lists used by creditors and insurers to make offers that you don’t initiate. If you change your mind, you also can “opt-in.”
www.dmachoice.org. While there are benefits to direct mail (find out about new products and money-saving deals), you probably want to eliminate things you’re not interested in. The Direct Marketing Association lets you choose whether you want to receive mail from companies in four categories: credit offers, catalogs, magazine offers and other offers (donation requests, etc.).
www.catalogchoice.org. Use this free title-specific service to opt out of postal mail from companies that are already marketing to you. You can reduce more of your mail by signing up for their new Unlisting Service. For a $20 annual “donation,” they’ll work as your agent to remove your information from third-party marketing company databases. These companies create lists (based on your past purchases and interests) that are rented to companies for marketing purposes.
www.yellowpagesoptout.com. This site lets you stop all those phone books you probably don’t use. Type in your zip code and you’ll be surprised to see how many phone books you’re eligible to receive. You also can get tips on how to recycle outdated directories.
Note: Opting out won’t end solicitations from local merchants, religious and charitable associations, professional and alumni associations, politicians and companies with which you conduct business. To eliminate mail from these groups, write directly to each source.
Tuesday, April 19, 2011
Behind on Your Mortgage? How to Get Help Today!
Q. I’m in trouble with my mortgage. How can I get help?
A. If you don’t know where to turn for reliable answers or need to sort through your options, turn to these experts for advice:
1. Your REALTOR® can determine the current value of your home and review your options if you owe more than the home is worth. Knowledgeable agents can also explain more about government programs available today.
2. A Foreclosure Counselor will help you evaluate your current financial situation by reviewing your monthly expenses and income. They can also identify assistance programs and serve as an advocate with your bank, free of charge.
3. A Tax Expert may be needed if you decide to do a short sale or deed in lieu of foreclosure as forgiveness of debt is sometimes considered taxable income.
4. A Credit Counselor can help develop a plan to avoid future financial difficulty and work to repair your credit score if you’ve already missed payments.
5. An Attorney can help if your lender has filed a foreclosure lawsuit. They can review the lender’s paperwork and see if the loan servicing company made a mistake in applying payments or assessing fees.
If you have any questions, or need capable and trustworthy representation, please call me at 206-226-0565.
A. If you don’t know where to turn for reliable answers or need to sort through your options, turn to these experts for advice:
1. Your REALTOR® can determine the current value of your home and review your options if you owe more than the home is worth. Knowledgeable agents can also explain more about government programs available today.
2. A Foreclosure Counselor will help you evaluate your current financial situation by reviewing your monthly expenses and income. They can also identify assistance programs and serve as an advocate with your bank, free of charge.
3. A Tax Expert may be needed if you decide to do a short sale or deed in lieu of foreclosure as forgiveness of debt is sometimes considered taxable income.
4. A Credit Counselor can help develop a plan to avoid future financial difficulty and work to repair your credit score if you’ve already missed payments.
5. An Attorney can help if your lender has filed a foreclosure lawsuit. They can review the lender’s paperwork and see if the loan servicing company made a mistake in applying payments or assessing fees.
If you have any questions, or need capable and trustworthy representation, please call me at 206-226-0565.
Monday, April 18, 2011
Read These Labels To Become A Smarter Shopper
Consumers should be able to make better buying decisions in the coming months, thanks to two new voluntary labels that will appear on U.S. products:
“Nutrition Keys.” This icon will summarize important nutrition information from the Nutrition Facts Label and put it on the front of the package. It will display calories, saturated fat, sodium and sugar per serving and say how each serving contributes to overall diet based on recommended daily nutrition intake (expressed as “percent of daily value”). Other nutrients that may appear on some products are potassium, fiber, vitamin A, vitamin C, vitamin D, calcium, iron and protein. To see what this looks like, go to www.gmaonline.org.
“USDA Certified Biobased Product” seal. This will identify products made from renewable resources composed wholly or significantly of biological ingredients – renewable plant, animal, marine or forestry materials. As products get certified, you’ll start seeing it on everything from trash bags and cleaning supplies to skin care products. The USDA hopes the seal will give the same consumer boost to biobased products as Energy Star did to energy-efficient appliances. See an example of the seal at www.biopreferred.gov.
But wait – there’s more! The Department of Agriculture announced that nutrition labels will be required on meat and poultry beginning Jan.1, 2012. The labels will list calories, calories from fat, total fat, saturated fat, cholesterol, sodium, protein and vitamins for 40 commonly purchased cuts of beef, poultry, pork and lamb.
Still to come: Requirements for chain restaurants and vending machine operators to post calorie information. Some restaurants (such as Subway) already make the information available.
“Nutrition Keys.” This icon will summarize important nutrition information from the Nutrition Facts Label and put it on the front of the package. It will display calories, saturated fat, sodium and sugar per serving and say how each serving contributes to overall diet based on recommended daily nutrition intake (expressed as “percent of daily value”). Other nutrients that may appear on some products are potassium, fiber, vitamin A, vitamin C, vitamin D, calcium, iron and protein. To see what this looks like, go to www.gmaonline.org.
“USDA Certified Biobased Product” seal. This will identify products made from renewable resources composed wholly or significantly of biological ingredients – renewable plant, animal, marine or forestry materials. As products get certified, you’ll start seeing it on everything from trash bags and cleaning supplies to skin care products. The USDA hopes the seal will give the same consumer boost to biobased products as Energy Star did to energy-efficient appliances. See an example of the seal at www.biopreferred.gov.
But wait – there’s more! The Department of Agriculture announced that nutrition labels will be required on meat and poultry beginning Jan.1, 2012. The labels will list calories, calories from fat, total fat, saturated fat, cholesterol, sodium, protein and vitamins for 40 commonly purchased cuts of beef, poultry, pork and lamb.
Still to come: Requirements for chain restaurants and vending machine operators to post calorie information. Some restaurants (such as Subway) already make the information available.
Sunday, April 17, 2011
Have You Had This Vaccination?
Vaccinations aren’t just about you, they’re also about protecting young, vulnerable children you may encounter. With the number of cases of pertussis (whooping cough) rising, the Centers For Disease Control and Prevention have updated their vaccination recommendations.
All adults need a one-time dose of the Tdap vaccine that protects against tetanus (lockjaw), diphtheria and pertussis. Pertussis is a highly contagious respiratory disease that commonly affects infants and young children and can be fatal, especially in babies less than 1 year old.
Since tetanus immunity decreases over time, you also need to get a booster every 10 years. If you’re due for one, ask for the Tdap vaccine instead. Getting the Tdap is especially important for families with infants, child caregivers and adults over 65 who may be around infants. It’s also recommended for adolescents who haven’t had a booster shot.
Adults also can get immunizations to protect again other vaccine-preventable diseases such as shingles, seasonal flu, pneumonia and human
papillomavirus. Talk to your doctor about what you might need.
All adults need a one-time dose of the Tdap vaccine that protects against tetanus (lockjaw), diphtheria and pertussis. Pertussis is a highly contagious respiratory disease that commonly affects infants and young children and can be fatal, especially in babies less than 1 year old.
Since tetanus immunity decreases over time, you also need to get a booster every 10 years. If you’re due for one, ask for the Tdap vaccine instead. Getting the Tdap is especially important for families with infants, child caregivers and adults over 65 who may be around infants. It’s also recommended for adolescents who haven’t had a booster shot.
Adults also can get immunizations to protect again other vaccine-preventable diseases such as shingles, seasonal flu, pneumonia and human
papillomavirus. Talk to your doctor about what you might need.
Saturday, April 16, 2011
Spring Scam Alert!
Ah Spring! When thoughts turn to vacation planning, home improvement and even spring cleaning. Unfortunately, it’s also time for scammers to take advantage of those thoughts. You think you won’t be a victim, but you’d be surprised how many people get caught off guard by these seasonal scams:
“You’re eligible for a free vacation.” You get a letter saying you could have a free vacation if you give a credit card number to pay for a deposit. It may look authentic (scammers copy company logos) but it may be a come-on for a bogus vacation club. Here’s a tipoff: you’re told to call a number that starts with 876, 868, 809, 758, 784, 664, 473, 441, 284 or 246. These are for Caribbean countries and Bermuda; chances are you’ll be on hold a long time.
“This rental could be yours.” Scammers write phony ads (using real pictures they’ve copied from other sites) to get you to sign up for luxurious rental properties. Don’t do the wire transfer they ask for. Instead, contact a travel agent or local real estate agent or use a web site that you have verified is legitimate (try one like www.homeaway.com).
“We were in the neighborhood.” You know those people who knock at your door and say they noticed your gutters need cleaning or your yard needs work? While that may be true, these people may not do the job properly. Check with the Better Business Bureau, go to a site like Angie’s List or ask friends for references before you sign up for home improvement work.
“We’re from the power company.” These scammers may ask if you want a free energy audit. They may even have IDs (anyone can print their own now). Beware of pairs – one diverts your attention while the other steals your stuff. Utility companies usually tell you in advance; call them immediately.
“Your grandson needs help.” AARP warns seniors about that call that says your grandchild has been arrested or hospitalized while on Spring break and needs money. Scammers get the names from social networking sites. The caller may claim to be a lawyer or police officer. Take the number and do an internet search. Better yet, call your grandchild directly.
“You’re eligible for a free vacation.” You get a letter saying you could have a free vacation if you give a credit card number to pay for a deposit. It may look authentic (scammers copy company logos) but it may be a come-on for a bogus vacation club. Here’s a tipoff: you’re told to call a number that starts with 876, 868, 809, 758, 784, 664, 473, 441, 284 or 246. These are for Caribbean countries and Bermuda; chances are you’ll be on hold a long time.
“This rental could be yours.” Scammers write phony ads (using real pictures they’ve copied from other sites) to get you to sign up for luxurious rental properties. Don’t do the wire transfer they ask for. Instead, contact a travel agent or local real estate agent or use a web site that you have verified is legitimate (try one like www.homeaway.com).
“We were in the neighborhood.” You know those people who knock at your door and say they noticed your gutters need cleaning or your yard needs work? While that may be true, these people may not do the job properly. Check with the Better Business Bureau, go to a site like Angie’s List or ask friends for references before you sign up for home improvement work.
“We’re from the power company.” These scammers may ask if you want a free energy audit. They may even have IDs (anyone can print their own now). Beware of pairs – one diverts your attention while the other steals your stuff. Utility companies usually tell you in advance; call them immediately.
“Your grandson needs help.” AARP warns seniors about that call that says your grandchild has been arrested or hospitalized while on Spring break and needs money. Scammers get the names from social networking sites. The caller may claim to be a lawyer or police officer. Take the number and do an internet search. Better yet, call your grandchild directly.
Thursday, April 14, 2011
7 Secrets for Conquering Stress in Your Life...
Are you a harried mom? Overworked dad? Stressed out professional? Stress is considered one of the top three contributors to heart disease and other serious illnesses. Don’t let daily stress get the best of you. Here are seven steps you can take right now to reduce your stress level, and get back to feeling more balanced and energized in your daily life...
1. Master Your Thoughts. Stress and anxiety are actually a choice. You have the power to choose how you feel at any given moment. When you are feeling stressed out, take a moment to pause and close your eyes. Ask yourself, “Is there another choice I can make that will make me feel more at peace with myself or this situation?”
2. Breathe. It sounds so simple, but breathing has a tremendous affect on your mind, body, and your mood. Focus on your breathing when you find yourself feeling stress. If you put your finger on your belly button, you’ll begin to breathe from your belly and relax.
3. Exercise. Regular exercise can release stress and make you feel more in control of your life. Try a 30-minute brisk walk, bike ride, or play a game of tennis or racquetball.
4. Take Up A Hobby. Hobbies give our body and mind a place to relax. Whether it’s painting, woodworking, gardening, or playing a musical instrument, hobbies can give us that feeling of a vacation without having to go anywhere to get away.
5. Pace Yourself. Many of us have a tendency to over schedule ourselves or our family, and then become stressed when we can’t meet the demands. Prioritize your workload and concentrate on one task at a time.
6. Lighten Up And Take The Long View. If you’re feeling anxious and tense...take a moment and ask yourself, “will this really matter tomorrow, next week, or even five years from now?”
7. Strive For Peace of Mind. You can get more out of your life by actually doing less. Happiness comes not from the number of activities we do, and things we collect, but from the opportunity to enjoy our experiences. Doing less may actually make you happier...it’s your choice.
1. Master Your Thoughts. Stress and anxiety are actually a choice. You have the power to choose how you feel at any given moment. When you are feeling stressed out, take a moment to pause and close your eyes. Ask yourself, “Is there another choice I can make that will make me feel more at peace with myself or this situation?”
2. Breathe. It sounds so simple, but breathing has a tremendous affect on your mind, body, and your mood. Focus on your breathing when you find yourself feeling stress. If you put your finger on your belly button, you’ll begin to breathe from your belly and relax.
3. Exercise. Regular exercise can release stress and make you feel more in control of your life. Try a 30-minute brisk walk, bike ride, or play a game of tennis or racquetball.
4. Take Up A Hobby. Hobbies give our body and mind a place to relax. Whether it’s painting, woodworking, gardening, or playing a musical instrument, hobbies can give us that feeling of a vacation without having to go anywhere to get away.
5. Pace Yourself. Many of us have a tendency to over schedule ourselves or our family, and then become stressed when we can’t meet the demands. Prioritize your workload and concentrate on one task at a time.
6. Lighten Up And Take The Long View. If you’re feeling anxious and tense...take a moment and ask yourself, “will this really matter tomorrow, next week, or even five years from now?”
7. Strive For Peace of Mind. You can get more out of your life by actually doing less. Happiness comes not from the number of activities we do, and things we collect, but from the opportunity to enjoy our experiences. Doing less may actually make you happier...it’s your choice.
Wednesday, April 13, 2011
Why Buyers Should Have Their Own Agent
Q. I’m thinking of buying a home soon. Should I get a Buyer’s Agent, or should I go it alone?
A. I recommend getting a Buyer’s Agent because the agent will be specifically representing you, and, because a Buyer’s Agent generally gets paid by the seller, you pay no commission. A Buyer’s Agent will take time to help you find the type of home you want, in the location you want, and the properties that fit your particular needs and desires. Research by the National Association of REALTORS® reveals that buyers find their home faster when they use a Buyer’s Agent.
A Buyer’s Agent can also help you with financing your home. The agent will determine how much you can afford and help you become pre-qualified to purchase a home. Getting pre-qualified puts you in a stronger negotiating position by letting the seller know you are serious and able to purchase the home. You hire a Buyer’s Agent by signing an agency agreement, which is legal and binding. If you have questions about Buyer Agency, or if you are buying or selling a home and need competent and caring representation, please call me at 206-226-0565.
A. I recommend getting a Buyer’s Agent because the agent will be specifically representing you, and, because a Buyer’s Agent generally gets paid by the seller, you pay no commission. A Buyer’s Agent will take time to help you find the type of home you want, in the location you want, and the properties that fit your particular needs and desires. Research by the National Association of REALTORS® reveals that buyers find their home faster when they use a Buyer’s Agent.
A Buyer’s Agent can also help you with financing your home. The agent will determine how much you can afford and help you become pre-qualified to purchase a home. Getting pre-qualified puts you in a stronger negotiating position by letting the seller know you are serious and able to purchase the home. You hire a Buyer’s Agent by signing an agency agreement, which is legal and binding. If you have questions about Buyer Agency, or if you are buying or selling a home and need competent and caring representation, please call me at 206-226-0565.
Tuesday, April 12, 2011
Eat Your Way to a Smarter Day
Brain Food - How to be Smarter
Would you like to know how you can make yourself smarter? It’s really quite simple. There are certain foods that make your brain work better. To improve your memory and brain function, eat more foods high in choline. According to Dr. Arthur Winter, coauthor of Build Your Brain Power, foods high in choline include: soy, fish, beef, dairy, egg yolks, oatmeal, brown rice, liver and wheat germ.
Eating foods high in Vitamin B12, such as red meat, liver, eggs, and dairy, also will improve memory and brain power. Winter recommends taking a multivitamin and mineral supplement to ensure you’re getting what your body needs. You can take Vitamin C (a powerful antioxidant) to reduce stress to your brain tissue.
To improve alertness, memory, and focus make sure you eat three servings of protein (chicken, fish, beef, soy, and dairy) each day. Your brain is regulated by amino acids, and these foods have the necessary amino acids your brain needs. If you are a vegan, make sure to balance your diet with legumes and nuts. Lastly, folic acid, another B vitamin, helps brain function by improving mood and alertness. It’s found in green leafy veggies, broccoli, cereals, meat, and lentils. Bon appetit!
Would you like to know how you can make yourself smarter? It’s really quite simple. There are certain foods that make your brain work better. To improve your memory and brain function, eat more foods high in choline. According to Dr. Arthur Winter, coauthor of Build Your Brain Power, foods high in choline include: soy, fish, beef, dairy, egg yolks, oatmeal, brown rice, liver and wheat germ.
Eating foods high in Vitamin B12, such as red meat, liver, eggs, and dairy, also will improve memory and brain power. Winter recommends taking a multivitamin and mineral supplement to ensure you’re getting what your body needs. You can take Vitamin C (a powerful antioxidant) to reduce stress to your brain tissue.
To improve alertness, memory, and focus make sure you eat three servings of protein (chicken, fish, beef, soy, and dairy) each day. Your brain is regulated by amino acids, and these foods have the necessary amino acids your brain needs. If you are a vegan, make sure to balance your diet with legumes and nuts. Lastly, folic acid, another B vitamin, helps brain function by improving mood and alertness. It’s found in green leafy veggies, broccoli, cereals, meat, and lentils. Bon appetit!
Monday, April 11, 2011
Sure-Fire Tips For Improving Your Credit Rating…
A good credit rating in essential in today’s economic market. It can save you thousands of dollars when you apply for a mortgage, car loan, or when you want to finance any other big-ticket purchase. Here are six tips for improving your credit rating:
1. Check your credit report. Make sure to resolve any credit debt inaccuracies or disputes. Go to www.AnnualCreditReport.com for information on how to order your credit report.
2. Pay your bills on time. It’s especially important near the time you are applying for a loan.
3. Pay down, or pay off your credit cards. High debt will adversely affect your credit rating.
4. Don’t apply for new credit cards to increase your available credit.
5. Pay down your revolving debt. Also, pay down your debt rather than moving it around.
6. Manage your credit cards and installment loans responsibly. Paying credit cards and installments loans promptly will actually raise your credit rating.
1. Check your credit report. Make sure to resolve any credit debt inaccuracies or disputes. Go to www.AnnualCreditReport.com for information on how to order your credit report.
2. Pay your bills on time. It’s especially important near the time you are applying for a loan.
3. Pay down, or pay off your credit cards. High debt will adversely affect your credit rating.
4. Don’t apply for new credit cards to increase your available credit.
5. Pay down your revolving debt. Also, pay down your debt rather than moving it around.
6. Manage your credit cards and installment loans responsibly. Paying credit cards and installments loans promptly will actually raise your credit rating.
Sunday, April 10, 2011
Need Pain Relief? Try This…
If you’re looking to relieve pain – try meditation. People all over the world have recognized the benefits of meditation for thousands of years.
And recent studies show even brief training in meditation can help ease pain.
University of North Carolina at Charlotte researchers found that
students who received a single hour of mindfulness training over three days significantly reduced their awareness and sensitivity to pain. Other studies show that meditation is particularly helpful to people who suffer from chronic back pain, fibromyalgia and migraines. Here’s how you can get started:
Understand that most types of meditation have four elements in common: 1) a quiet location, 2) a specific and comfortable posture,
3) a focus of attention, and 4) an open attitude.
Try this 3-minute exercise called A.C.E. recommended by Psychologist Elisha Goldstein, PhD. Do it several times a day:
• Awareness. Spend 60 seconds becoming aware of what is happening right now in your thoughts and emotions.
• Collecting. Spend another 60 seconds collecting your attention on your breathing. Notice where you are breathing most prominently ─ your nose, chest or belly.
• Expanding. Spend another 60 seconds expanding your awareness into your physical body and noticing sensations like tingling, warmth, pain and coolness at specific sites.
Practice. Dr. Robert Bonakdar from the Scripps Center for Integrative Medicine says the idea is to relax your body and become aware of your pain without judging it or fixating on it. Instead of running away from pain, come to terms with it. The reduced tension helps ease pain.
Educate yourself. You can buy books and tapes on all kinds of meditation techniques (mindfulness meditation, mantra meditation, relaxation response, guided imagery etc.) or seek out information on the internet. Try different techniques to see which one best suits you. If you have chronic pain, you might consider taking formal training
And recent studies show even brief training in meditation can help ease pain.
University of North Carolina at Charlotte researchers found that
students who received a single hour of mindfulness training over three days significantly reduced their awareness and sensitivity to pain. Other studies show that meditation is particularly helpful to people who suffer from chronic back pain, fibromyalgia and migraines. Here’s how you can get started:
Understand that most types of meditation have four elements in common: 1) a quiet location, 2) a specific and comfortable posture,
3) a focus of attention, and 4) an open attitude.
Try this 3-minute exercise called A.C.E. recommended by Psychologist Elisha Goldstein, PhD. Do it several times a day:
• Awareness. Spend 60 seconds becoming aware of what is happening right now in your thoughts and emotions.
• Collecting. Spend another 60 seconds collecting your attention on your breathing. Notice where you are breathing most prominently ─ your nose, chest or belly.
• Expanding. Spend another 60 seconds expanding your awareness into your physical body and noticing sensations like tingling, warmth, pain and coolness at specific sites.
Practice. Dr. Robert Bonakdar from the Scripps Center for Integrative Medicine says the idea is to relax your body and become aware of your pain without judging it or fixating on it. Instead of running away from pain, come to terms with it. The reduced tension helps ease pain.
Educate yourself. You can buy books and tapes on all kinds of meditation techniques (mindfulness meditation, mantra meditation, relaxation response, guided imagery etc.) or seek out information on the internet. Try different techniques to see which one best suits you. If you have chronic pain, you might consider taking formal training
Saturday, April 9, 2011
Great Travel Tips - Get Prepared Early
How To Be Safe, Not Sorry
On Your Next Trip
Everyone loves to travel, but there are some precautions you should take just to be on the safe side. Use these travel security tips to help make your next international trip stress-free:
• Be prepared in case your passport is lost or stolen. If your passport is lost, you must immediately notify the embassy or the State Department and report details of the incident. Take copies of the passport, birth certificate and marriage certificate for each person on your trip. You’d need these documents to authenticate yourself to authorities.
• Leave your itinerary and the numbers or copies of your passport with a friend or relative. You also can register your travel for free with the State Department so you may be contacted in case of a family emergency or because of a crisis in the area in which you are traveling. Go to http://travel.state.gov/travel/tips/tips_1232.html for more details.
• Don’t take your eyes off your laptop. Hundreds of thousands are stolen each year and 97 percent are never recovered. To protect yourself, remove any sensitive information from the laptop before you go and encrypt the data that’s on it. Take a security cable to attach it to a piece of furniture if you leave it in your hotel room. Better yet, you can actually buy tracking software that allows you to record a message (“Get your hands off me, I’ve been stolen!”) that will play when the thief turns it on.
• Purge your wallet or purse of extra credit cards, receipts and any reference to your social security number. Leave your checkbook and debit cards at home.
• Keep a grip on your valuables (especially in crowds). To thwart pickpockets, use security travel purses, bags, belts and money clips. If you’re a man, keep your wallet under your clothes or in your tightest pocket. If you’re using a fanny pack, secure the zipper by using a safety pin or a paperclip fastened to a rubber band around the belt strap.
On Your Next Trip
Everyone loves to travel, but there are some precautions you should take just to be on the safe side. Use these travel security tips to help make your next international trip stress-free:
• Be prepared in case your passport is lost or stolen. If your passport is lost, you must immediately notify the embassy or the State Department and report details of the incident. Take copies of the passport, birth certificate and marriage certificate for each person on your trip. You’d need these documents to authenticate yourself to authorities.
• Leave your itinerary and the numbers or copies of your passport with a friend or relative. You also can register your travel for free with the State Department so you may be contacted in case of a family emergency or because of a crisis in the area in which you are traveling. Go to http://travel.state.gov/travel/tips/tips_1232.html for more details.
• Don’t take your eyes off your laptop. Hundreds of thousands are stolen each year and 97 percent are never recovered. To protect yourself, remove any sensitive information from the laptop before you go and encrypt the data that’s on it. Take a security cable to attach it to a piece of furniture if you leave it in your hotel room. Better yet, you can actually buy tracking software that allows you to record a message (“Get your hands off me, I’ve been stolen!”) that will play when the thief turns it on.
• Purge your wallet or purse of extra credit cards, receipts and any reference to your social security number. Leave your checkbook and debit cards at home.
• Keep a grip on your valuables (especially in crowds). To thwart pickpockets, use security travel purses, bags, belts and money clips. If you’re a man, keep your wallet under your clothes or in your tightest pocket. If you’re using a fanny pack, secure the zipper by using a safety pin or a paperclip fastened to a rubber band around the belt strap.
Thursday, April 7, 2011
Who’s Checking Your Credit?
Here’s another reason you should order a copy of your credit report every year. Because lots of other people are looking at it! The Fair Credit Reporting Act says a company must have a legitimate reason to do so. Here are some of the people who might:
Lenders. A good credit score helps you qualify for the best rates on mortgages, car loans, credit cards, etc.
Insurers. Many home and auto insurers use your score to help determine your rates.
Landlords. They view your credit as a measure of your responsibility to pay bills on time.
Potential employers. With your consent, they can look at your score but they don’t get to see as many details as lenders.
Government agencies. They can only look at limited information.
When a business checks your credit report because you made an application for a credit card, loan or other service, a “Hard” inquiry gets recorded on your credit report. These inquiries impact your credit score. “Soft” inquiries (made by you or a business you already have an account with) do not affect your score.
You are entitled to order a free credit report from each of the three U.S. national credit bureaus every year. Make sure you go to the only source authorized by law at www.annualcreditreport.com.
Lenders. A good credit score helps you qualify for the best rates on mortgages, car loans, credit cards, etc.
Insurers. Many home and auto insurers use your score to help determine your rates.
Landlords. They view your credit as a measure of your responsibility to pay bills on time.
Potential employers. With your consent, they can look at your score but they don’t get to see as many details as lenders.
Government agencies. They can only look at limited information.
When a business checks your credit report because you made an application for a credit card, loan or other service, a “Hard” inquiry gets recorded on your credit report. These inquiries impact your credit score. “Soft” inquiries (made by you or a business you already have an account with) do not affect your score.
You are entitled to order a free credit report from each of the three U.S. national credit bureaus every year. Make sure you go to the only source authorized by law at www.annualcreditreport.com.
Get Smart About Your Heart
People often treat their cars better than they do their bodies. That’s what the president of the American Heart Association (AHA) says about the public’s awareness of cardiovascular disease, the leading cause of death around the world. The key is this: If you do the right things, most heart disease is preventable. While talking with your doctor is important, here’s what you can do on your own:
• Know where you stand. To get your personal heart score and learn what steps you may need to take to improve your heart health, go to MyLifeCheck.heart.org and click on “Get your assessment.”
• Follow the AHA’s “Simple 7”:
• Get active. 150 minutes/week of moderate exercise or 75 minutes/week of vigorous exercise. Walking is a great way to start.
• Control cholesterol. Make diet and lifestyle changes if your level is 200 mg/dl or higher.
• Eat better. Follow the 2010 guidelines at www.dietaryguidelines.gov. The AHA takes these a step further by saying everyone should limit their daily sodium consumption to 1,500 mg a day.
• Manage blood pressure. Know yours and keep it in a healthy range.
• Lose weight. Understand the relationship between the calories you’re consuming versus the calories you’re burning off.
• Reduce blood sugar. Diabetes is one of the major controllable risk factors for cardiovascular disease.
• Stop smoking. Seek out classes/support groups by contacting such organizations as the American Lung Association or Cancer Society.
• Track and manage your heart health by using the interactive tool at www.heart360.org.
• Learn the warning signs of heart attack, stroke and cardiac arrest. Find this information at a doctor’s office, library or online sites like WebMD.com. By acting quickly (calling 9-1-1) you may save a life, including your own.
• Know where you stand. To get your personal heart score and learn what steps you may need to take to improve your heart health, go to MyLifeCheck.heart.org and click on “Get your assessment.”
• Follow the AHA’s “Simple 7”:
• Get active. 150 minutes/week of moderate exercise or 75 minutes/week of vigorous exercise. Walking is a great way to start.
• Control cholesterol. Make diet and lifestyle changes if your level is 200 mg/dl or higher.
• Eat better. Follow the 2010 guidelines at www.dietaryguidelines.gov. The AHA takes these a step further by saying everyone should limit their daily sodium consumption to 1,500 mg a day.
• Manage blood pressure. Know yours and keep it in a healthy range.
• Lose weight. Understand the relationship between the calories you’re consuming versus the calories you’re burning off.
• Reduce blood sugar. Diabetes is one of the major controllable risk factors for cardiovascular disease.
• Stop smoking. Seek out classes/support groups by contacting such organizations as the American Lung Association or Cancer Society.
• Track and manage your heart health by using the interactive tool at www.heart360.org.
• Learn the warning signs of heart attack, stroke and cardiac arrest. Find this information at a doctor’s office, library or online sites like WebMD.com. By acting quickly (calling 9-1-1) you may save a life, including your own.
Wednesday, April 6, 2011
How To Protect Yourself And Others On The Road
Could you pass a written driver’s test – today? The results of an online GMAC Insurance survey showed that nearly 1 in 5 licensed drivers – 38 million Americans – probably wouldn’t! Here’s what you should do to brush up on the Rules of the Road and make yourself safer.
Take the National Drivers Test. Go to www.nationaldriverstest.com. Answer the 20 questions from state exams and study up on the ones you missed. You also can download it to Facebook and challenge your friends.
Review Local Traffic Laws. Many states post them on a .gov website.
Avoid these top driving mistakes that cause crashes:
• Multi-tasking while driving. Say “no” to: texting, phone calls and eating!
• Following too closely. Leave 2 seconds between you and the car ahead.
• Failure to yield on a left turn. Check for cars or people in your path.
• Incorrect merging. Merge carefully but don’t stop.
• Backing up. Don’t rely on the mirrors. Look over your shoulder.
Consider a refresher course. AARP offers an online Driver Safety Course geared to drivers 50 and older. Plus, taking it may qualify you for a car insurance discount.
Keep your brain sharp by subscribing to a computer driving program. CogniFit sells a Senior Driver program that starts with an assessment of 10 cognitive abilities essential for safe driving, including visual scanning and response time. It’s probably good for everyone!
Get help from your car. The next time you’re car shopping, look for a model that offers new “smart” technologies such as Distance Control Assist (which applies the brakes when you’re following another car too closely); Blind-Spot Detection (which alerts you about vehicles in your blind spots); and Night Vision Systems (which give you a vision of the road ahead with a infrared beam).
Take the National Drivers Test. Go to www.nationaldriverstest.com. Answer the 20 questions from state exams and study up on the ones you missed. You also can download it to Facebook and challenge your friends.
Review Local Traffic Laws. Many states post them on a .gov website.
Avoid these top driving mistakes that cause crashes:
• Multi-tasking while driving. Say “no” to: texting, phone calls and eating!
• Following too closely. Leave 2 seconds between you and the car ahead.
• Failure to yield on a left turn. Check for cars or people in your path.
• Incorrect merging. Merge carefully but don’t stop.
• Backing up. Don’t rely on the mirrors. Look over your shoulder.
Consider a refresher course. AARP offers an online Driver Safety Course geared to drivers 50 and older. Plus, taking it may qualify you for a car insurance discount.
Keep your brain sharp by subscribing to a computer driving program. CogniFit sells a Senior Driver program that starts with an assessment of 10 cognitive abilities essential for safe driving, including visual scanning and response time. It’s probably good for everyone!
Get help from your car. The next time you’re car shopping, look for a model that offers new “smart” technologies such as Distance Control Assist (which applies the brakes when you’re following another car too closely); Blind-Spot Detection (which alerts you about vehicles in your blind spots); and Night Vision Systems (which give you a vision of the road ahead with a infrared beam).
Tuesday, April 5, 2011
3 Top Negotiating Tips…
The next time you’re negotiating to buy almost anything, remember these top negotiating tips:
Empower yourself. You have the right to negotiate. Most sellers are open to giving you a discount if it means keeping you as a customer.
Do your homework. Ten percent is a good discount (20 is great) for manufactured goods (electronics). With household goods (furniture, appliances) try for another 10 percent. The deepest discounts come on services (hotels, lawn care), where you may get up to 40 percent if you pay cash, bundle services, and/or commit long term.
Ask for something you don’t necessarily want along with the things you do want. If you’re buying a dishwasher, car or TV, ask for an extended warranty, preferred financing or free delivery. When the seller counters, you have something to “give on” to make the seller feel like you’re meeting him/her part way in getting to an agreed upon price.
Empower yourself. You have the right to negotiate. Most sellers are open to giving you a discount if it means keeping you as a customer.
Do your homework. Ten percent is a good discount (20 is great) for manufactured goods (electronics). With household goods (furniture, appliances) try for another 10 percent. The deepest discounts come on services (hotels, lawn care), where you may get up to 40 percent if you pay cash, bundle services, and/or commit long term.
Ask for something you don’t necessarily want along with the things you do want. If you’re buying a dishwasher, car or TV, ask for an extended warranty, preferred financing or free delivery. When the seller counters, you have something to “give on” to make the seller feel like you’re meeting him/her part way in getting to an agreed upon price.
Monday, April 4, 2011
What You Should Know About Child Identity Theft
Guess who are the next victims of identity theft – children! It’s hard to believe but criminals are searching for dormant social security numbers (SSN) online and selling them to people (strangers or even their family members) who use them to establish phony credit. Victims may not know it’s happened until they are older and apply for financial aid or try to open a line of credit.
While you can’t prevent identity theft, you can take steps to limit the opportunities for it to happen. Here’s what you can do and look for:
Safeguard your child’s SSN and only give it out on a “need to know” basis. School sports teams and doctors’ offices do not have to have the number. Be cautious about disclosing place and date of birth details, particularly online (cybercriminals can find SSNs based on that information). Teach your kids not to give out personal information, especially on social networks (have them use nick names or code names when filling out online profiles).
Watch for red flags like these:
• You receive checks, pre-approved credit card offers or bank statements in your child’s name. Note: the pre-approved credit card offer may just be a marketing tool sent by an affiliate of your bank because you opened a college fund for your child.
• You get calls from collection agencies.
• Your teen is denied a driver’s license because another person has a license with that SSN. The imposter may even have accumulated tickets or citations in the child’s name
If you suspect anything, call Social Security and ask if any income has been reported with your child’s number. You can see if there’s a credit report for your child, but don’t do so unless you have a strong indication of theft (ordering a report unnecessarily opens the door to thieves).
For more information, see sites such as www.idtheftcenter.org.
While you can’t prevent identity theft, you can take steps to limit the opportunities for it to happen. Here’s what you can do and look for:
Safeguard your child’s SSN and only give it out on a “need to know” basis. School sports teams and doctors’ offices do not have to have the number. Be cautious about disclosing place and date of birth details, particularly online (cybercriminals can find SSNs based on that information). Teach your kids not to give out personal information, especially on social networks (have them use nick names or code names when filling out online profiles).
Watch for red flags like these:
• You receive checks, pre-approved credit card offers or bank statements in your child’s name. Note: the pre-approved credit card offer may just be a marketing tool sent by an affiliate of your bank because you opened a college fund for your child.
• You get calls from collection agencies.
• Your teen is denied a driver’s license because another person has a license with that SSN. The imposter may even have accumulated tickets or citations in the child’s name
If you suspect anything, call Social Security and ask if any income has been reported with your child’s number. You can see if there’s a credit report for your child, but don’t do so unless you have a strong indication of theft (ordering a report unnecessarily opens the door to thieves).
For more information, see sites such as www.idtheftcenter.org.
Sunday, April 3, 2011
Newest Trend in Charitable Giving
Is Microphilanthropy For You?
Charitable giving comes in many forms, but the latest trend is toward microphilanthropy, which involves direct interaction between individual donors and projects. This giving is popular because donors can give small amounts that make a big difference and choose where their money goes.
Some examples include DonorsChoose.org, which funds specific project requests from teachers in U.S. public schools; GlobalGiving.org, a marketplace that connects donors to 1,000 pre-screened grassroots charity projects around the world; ModestNeeds.org, which assists families who are unable to pay their monthly bills; and Kiva.org, which is peer-to-peer micro-lending to the applicant of the donor’s choice.
You can check out these organizations, get tips on setting your philanthropic goals for 2011 and research more than 5,500 other charities by visiting www.charitynavigator.org, an independent charity evaluator.
Charitable giving comes in many forms, but the latest trend is toward microphilanthropy, which involves direct interaction between individual donors and projects. This giving is popular because donors can give small amounts that make a big difference and choose where their money goes.
Some examples include DonorsChoose.org, which funds specific project requests from teachers in U.S. public schools; GlobalGiving.org, a marketplace that connects donors to 1,000 pre-screened grassroots charity projects around the world; ModestNeeds.org, which assists families who are unable to pay their monthly bills; and Kiva.org, which is peer-to-peer micro-lending to the applicant of the donor’s choice.
You can check out these organizations, get tips on setting your philanthropic goals for 2011 and research more than 5,500 other charities by visiting www.charitynavigator.org, an independent charity evaluator.
Friday, April 1, 2011
7 Secrets for Conquering Stress in Your Life...
Are you a harried mom? Overworked dad? Stressed out professional? Stress is considered one of the top three contributors to heart disease and other serious illnesses. Don’t let daily stress get the best of you. Here are seven steps you can take right now to reduce your stress level, and get back to feeling more balanced and energized in your daily life...
1. Master Your Thoughts. Stress and anxiety are actually a choice. You have the power to choose how you feel at any given moment. When you are feeling stressed out, take a moment to pause and close your eyes. Ask yourself, “Is there another choice I can make that will make me feel more at peace with myself or this situation?”
2. Breathe. It sounds so simple, but breathing has a tremendous affect on your mind, body, and your mood. Focus on your breathing when you find yourself feeling stress. If you put your finger on your belly button, you’ll begin to breathe from your belly and relax.
3. Exercise. Regular exercise can release stress and make you feel more in control of your life. Try a 30-minute brisk walk, bike ride, or play a game of tennis or racquetball.
4. Take Up A Hobby. Hobbies give our body and mind a place to relax. Whether it’s painting, woodworking, gardening, or playing a musical instrument, hobbies can give us that feeling of a vacation without having to go anywhere to get away.
5. Pace Yourself. Many of us have a tendency to over schedule ourselves or our family, and then become stressed when we can’t meet the demands. Prioritize your workload and concentrate on one task at a time.
6. Lighten Up And Take The Long View. If you’re feeling anxious and tense...take a moment and ask yourself, “will this really matter tomorrow, next week, or even five years from now?”
7. Strive For Peace of Mind. You can get more out of your life by actually doing less. Happiness comes not from the number of activities we do, and things we collect, but from the opportunity to enjoy our experiences. Doing less may actually make you happier...it’s your choice.
1. Master Your Thoughts. Stress and anxiety are actually a choice. You have the power to choose how you feel at any given moment. When you are feeling stressed out, take a moment to pause and close your eyes. Ask yourself, “Is there another choice I can make that will make me feel more at peace with myself or this situation?”
2. Breathe. It sounds so simple, but breathing has a tremendous affect on your mind, body, and your mood. Focus on your breathing when you find yourself feeling stress. If you put your finger on your belly button, you’ll begin to breathe from your belly and relax.
3. Exercise. Regular exercise can release stress and make you feel more in control of your life. Try a 30-minute brisk walk, bike ride, or play a game of tennis or racquetball.
4. Take Up A Hobby. Hobbies give our body and mind a place to relax. Whether it’s painting, woodworking, gardening, or playing a musical instrument, hobbies can give us that feeling of a vacation without having to go anywhere to get away.
5. Pace Yourself. Many of us have a tendency to over schedule ourselves or our family, and then become stressed when we can’t meet the demands. Prioritize your workload and concentrate on one task at a time.
6. Lighten Up And Take The Long View. If you’re feeling anxious and tense...take a moment and ask yourself, “will this really matter tomorrow, next week, or even five years from now?”
7. Strive For Peace of Mind. You can get more out of your life by actually doing less. Happiness comes not from the number of activities we do, and things we collect, but from the opportunity to enjoy our experiences. Doing less may actually make you happier...it’s your choice.
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