How to Get Back On Track
One of the best ways to stay fit is to have at least one athletic hobby: walking, swimming, bowling, tennis, golf, skiing, bicycling or even dancing. If you enjoy what you’re doing, you’ll stick with it.
Second, a workout partner can make the time go by more quickly, and you can have fun at the same time. Whether it’s a family member, friend or co-worker, a workout partner will encourage you on the days you may want to slide.
Third, hire a trainer if you have trouble maintaining an exercise program. A trainer can guide you through a program that works for you.
Remember to vary your workouts. This prevents overworking certain muscle groups, and it will keep you motivated.
Thursday, June 30, 2011
Wednesday, June 29, 2011
Amazing Natural Health Remedies
Minor aches and pains can be an annoyance, but they’re usually not serious enough to warrant a trip to the doctor. You can treat most minor health problems yourself: minor cough, heartburn, swimmer’s ear, muscle strain, headache, and sinusitis. Here are six useful home remedies:
• Strained Muscle – Right after the injury, put ice on the injury for 20 minutes; elevate the area. Repeat every few hours.
• Tension Headache – Put a drop of lavender on your index fingers; rub the oil on your temples and the back of your neck.
• Heartburn – Mix ½-teaspoon baking soda and 1-cup warm water, and drink it to relieve the discomfort.
• Swimmer’s Ear – Warm ½ onion in the microwave for 10-20 seconds. Hold it close to your ear (but not touching) for one minute.
• Cough – Make hot tea from wild cherry bark, steep. Drink 1 cup.
• Sinusitis – ½-teaspoon salt dissolved in 1 cup of warm water. Gently breathe into your nostrils.
(If any symptoms are unusual, or don’t go away after a few days, or come on suddenly, call your physician.)
• Strained Muscle – Right after the injury, put ice on the injury for 20 minutes; elevate the area. Repeat every few hours.
• Tension Headache – Put a drop of lavender on your index fingers; rub the oil on your temples and the back of your neck.
• Heartburn – Mix ½-teaspoon baking soda and 1-cup warm water, and drink it to relieve the discomfort.
• Swimmer’s Ear – Warm ½ onion in the microwave for 10-20 seconds. Hold it close to your ear (but not touching) for one minute.
• Cough – Make hot tea from wild cherry bark, steep. Drink 1 cup.
• Sinusitis – ½-teaspoon salt dissolved in 1 cup of warm water. Gently breathe into your nostrils.
(If any symptoms are unusual, or don’t go away after a few days, or come on suddenly, call your physician.)
Tuesday, June 28, 2011
Is Your Cell Phone Getting You Lost?
Has this ever happened to you? A recent study of 96 drivers showed that 12 of 24 drivers using a cell phone with a headset missed their exit. According to the Human Factors and Ergonomics Society in New Orleans, the study also revealed that 3 of 24 drivers talking to a passenger missed their exit; and only two of 48 drivers unaccompanied and not talking missed their exit. It may be time to hang up the phone!
Monday, June 27, 2011
Are You in Over Your Head? Debt Hurts!!
In Debt? Five Warning Signs
You’re In Over Your Head!
Most of us carry some type of debt: mortgage, car payments, credit cards, or educational loans. How do you know when you’re carrying too much debt? Most people fall into debt trouble with impulse buying. Here are five warning signs that you may be in dangerous debt trouble, and what you can do about it:
1. You’re unable to pay more than the minimum payments on your credit cards.
2. You have more than three major credit cards and they’re near the credit limit.
3. You use your credit cards to pay other bills.
4. You hide your bills from your spouse.
5. You don’t have a savings account.
If you answered “yes” to any of the above warning signs you may want examine your debt load and set up a realistic budget. If you are carrying credit card debt, begin by paying down the highest interest credit cards bills first. Resolve to not use credit cards unless you have the cash to pay your bill off when the bill arrives; otherwise, the first step to financial health is to remove the temptation and cut up your credit cards.
You’re In Over Your Head!
Most of us carry some type of debt: mortgage, car payments, credit cards, or educational loans. How do you know when you’re carrying too much debt? Most people fall into debt trouble with impulse buying. Here are five warning signs that you may be in dangerous debt trouble, and what you can do about it:
1. You’re unable to pay more than the minimum payments on your credit cards.
2. You have more than three major credit cards and they’re near the credit limit.
3. You use your credit cards to pay other bills.
4. You hide your bills from your spouse.
5. You don’t have a savings account.
If you answered “yes” to any of the above warning signs you may want examine your debt load and set up a realistic budget. If you are carrying credit card debt, begin by paying down the highest interest credit cards bills first. Resolve to not use credit cards unless you have the cash to pay your bill off when the bill arrives; otherwise, the first step to financial health is to remove the temptation and cut up your credit cards.
Sunday, June 26, 2011
How Safe Is Bottled Water?
Don’t be fooled. The bottled water you’re drinking may not be any safer than your tap water. According the National Resources Defense Council (NRDC), some bottled water sold in the United States may contain bacteria and/or chemicals. And 30 percent of bottled water sold in the U.S. comes from a city or town’s tap water!
The NRDC cited one incidence where a bottled water brand labeled “spring water” actually came from a well in an industrial facility’s parking lot. While they reported that most bottled water was safe, about 30 percent of the bottled water they tested contained bacteria, synthetic organic chemicals and inorganic chemicals.
In another recent study, Dutch researchers found 40 percent of the bottled mineral water they tested from 16 countries, (not including the U.S.) showed the presence of bacteria or fungi.
Why should you care? First, people with a weakened immune system (children, the elderly, people with cancer, kidney failure, or AIDS,) may have an increased risk of infection from bacteria. Serious infections can develop from legionella, a bacteria causing Legionnaires disease, pneumonia like illness.
Secondly, bottled water is expensive. A five-year supply of bottled water (8 glasses a day) costs about $1,000. The same amount of tap water costs $1.65.
There are some regulations on bottled water. The Federal Drug Administration (FDA) requires that if water is taken from a municipal source and not treated, the label must say it’s from a municipal source. If, the water is treated (using common technology) there is no requirement to label the municipal source.
The NRDC concluded that bottled water “should not be assumed to be purer or safer than most tap water.”
The NRDC cited one incidence where a bottled water brand labeled “spring water” actually came from a well in an industrial facility’s parking lot. While they reported that most bottled water was safe, about 30 percent of the bottled water they tested contained bacteria, synthetic organic chemicals and inorganic chemicals.
In another recent study, Dutch researchers found 40 percent of the bottled mineral water they tested from 16 countries, (not including the U.S.) showed the presence of bacteria or fungi.
Why should you care? First, people with a weakened immune system (children, the elderly, people with cancer, kidney failure, or AIDS,) may have an increased risk of infection from bacteria. Serious infections can develop from legionella, a bacteria causing Legionnaires disease, pneumonia like illness.
Secondly, bottled water is expensive. A five-year supply of bottled water (8 glasses a day) costs about $1,000. The same amount of tap water costs $1.65.
There are some regulations on bottled water. The Federal Drug Administration (FDA) requires that if water is taken from a municipal source and not treated, the label must say it’s from a municipal source. If, the water is treated (using common technology) there is no requirement to label the municipal source.
The NRDC concluded that bottled water “should not be assumed to be purer or safer than most tap water.”
Saturday, June 25, 2011
Could You Pass the Driver’s Test – Today?
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).
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).
Friday, June 24, 2011
Now is a Great Time to do Some Redecorating!!
Q. I want to redecorate our living space, but I don’t know where to begin. Do you have any decorating tips?
A. You can makeover your living space with these simple decorating tips:
1. Change your color palette. You can choose neutral and earth tones, such as whites, tans, beiges, and golds. A room of monotone decors appears more spacious. And you can dress up a room with white walls, a white sofa, and white or glass coffee tables with accented throw pillows, colorful table runners and placements, and decorative rugs.
2. Soften the lighting. Lighting adds warmth and drama to any room. A lamp or sconce lighting will provide more warmth and mood than overhead lighting. In your rooms, place your lamps and lighting arrangements so that they form a triangle of light in the room.
3. Rearrange the furniture. Try moving your sofas away from the wall. You can place two sofas in “V” formation with tables behind them. Or you can arrange the sofas so that they’re parallel to each other. Placing a rug between them creates a conversation area.
4. Create a focal point. Select a special focal point in your room: a piano, piece of art, picture, or floral arrangement. Make sure to hang your art and pictures at eye level. (Many people hang them too high.)
5. Create warmth. You can transform your dining room by adding lamps on each side of the buffet. Be sure to choose tall, sleek lamps to add drama to your dining area.
6. Experiment with ideas. Don’t be afraid to experiment with light, color, and furnishings. Use your own personality and charm to create the living space you’ll enjoy entertaining and spending time with your family.
If you are in the market for a buying or selling a home and need competent and caring representation, please call me at 206-226-0565.
A. You can makeover your living space with these simple decorating tips:
1. Change your color palette. You can choose neutral and earth tones, such as whites, tans, beiges, and golds. A room of monotone decors appears more spacious. And you can dress up a room with white walls, a white sofa, and white or glass coffee tables with accented throw pillows, colorful table runners and placements, and decorative rugs.
2. Soften the lighting. Lighting adds warmth and drama to any room. A lamp or sconce lighting will provide more warmth and mood than overhead lighting. In your rooms, place your lamps and lighting arrangements so that they form a triangle of light in the room.
3. Rearrange the furniture. Try moving your sofas away from the wall. You can place two sofas in “V” formation with tables behind them. Or you can arrange the sofas so that they’re parallel to each other. Placing a rug between them creates a conversation area.
4. Create a focal point. Select a special focal point in your room: a piano, piece of art, picture, or floral arrangement. Make sure to hang your art and pictures at eye level. (Many people hang them too high.)
5. Create warmth. You can transform your dining room by adding lamps on each side of the buffet. Be sure to choose tall, sleek lamps to add drama to your dining area.
6. Experiment with ideas. Don’t be afraid to experiment with light, color, and furnishings. Use your own personality and charm to create the living space you’ll enjoy entertaining and spending time with your family.
If you are in the market for a buying or selling a home and need competent and caring representation, please call me at 206-226-0565.
Wednesday, June 22, 2011
What Can You Learn From A Simple Blood Test?
How many episodes of ER have you watched and wondered...what exactly does the CBC tell these actors turned doctors? A CBC (complete blood count) can reveal a lot about your health. The CBC measures your hemoglobin (a protein that allows red blood cells to transport oxygen and gives blood its red color). Low hemoglobin indicates anemia.
A hematocrit measures the volume that red blood cells take up in the blood. Elevated numbers may indicate dehydration, or it may be an early sign of cancer or kidney disease. Low numbers indicate anemia. Your white blood cells (WBC) fight infection and promote healing. A high WBC count indicates a bacterial infection. Very low numbers may indicate exposure to toxic drugs or environmental toxins, or other diseases.
Your platelet count indicates your body’s ability to initiate blood clotting. A high number may indicate anemia, inflammation or a more serious condition. A low number may indicate an autoimmune disorder, allergic drug reaction, or an enlarged spleen. Your physician may order additional tests if your blood measurements don’t fall in the normal range.
If you any questions about your CBC, be sure to ask your physician to explain the ranges and results to you.
A hematocrit measures the volume that red blood cells take up in the blood. Elevated numbers may indicate dehydration, or it may be an early sign of cancer or kidney disease. Low numbers indicate anemia. Your white blood cells (WBC) fight infection and promote healing. A high WBC count indicates a bacterial infection. Very low numbers may indicate exposure to toxic drugs or environmental toxins, or other diseases.
Your platelet count indicates your body’s ability to initiate blood clotting. A high number may indicate anemia, inflammation or a more serious condition. A low number may indicate an autoimmune disorder, allergic drug reaction, or an enlarged spleen. Your physician may order additional tests if your blood measurements don’t fall in the normal range.
If you any questions about your CBC, be sure to ask your physician to explain the ranges and results to you.
Tuesday, June 21, 2011
Is Your PC at Risk?
Two Simple and Easy Tips For Protecting Your Computer
Is your PC at risk? Researchers at AvanteGarde found that it takes less than four minutes for your computer to be hijacked once connected to the Internet. In one instance one of the test computers was hacked is 30 seconds.
What should you do? First, make sure you’re running a personal firewall. Update your Windows regularly with Microsoft patches. (The Macintosh machine was not as vulnerable in this test.) Secondly, keep secure passwords, and use some type of antivirus and anti-spyware software. The study found that Linux and Windows based machines using an application firewall fared the best.
Is your PC at risk? Researchers at AvanteGarde found that it takes less than four minutes for your computer to be hijacked once connected to the Internet. In one instance one of the test computers was hacked is 30 seconds.
What should you do? First, make sure you’re running a personal firewall. Update your Windows regularly with Microsoft patches. (The Macintosh machine was not as vulnerable in this test.) Secondly, keep secure passwords, and use some type of antivirus and anti-spyware software. The study found that Linux and Windows based machines using an application firewall fared the best.
Monday, June 20, 2011
When is the Last Time You Googled Yourself?
How To Manage Your
Online Reputation
Go ahead, Google yourself. Everyone else is. Whether you’re an adult or a teenager, what they find can affect your personal and professional life. Did you know employers and colleges search the internet for information about candidates before they make selection decisions? Here’s what you should do:
Find out what’s out there about you (or your company)…
• Search your name on Google, but don’t forget Yahoo, Bing and Ask. Put quotation marks around your name, and use keywords (your city) to narrow the search. Try it with your nickname or middle initial.
• Search again but click on “Images” and again on “Videos.”
• Check alumni sites, genealogy sites etc. Ask your friends if you’re in a video they’ve uploaded to YouTube.
Be proactive about protecting your reputation…
Safeguard your personal information, particularly on social networking sites. Open a secondary email account or use a different persona for social sites, chatrooms, web forums, etc.
Use privacy settings to set the right level of control, especially for Facebook and MySpace. Don’t give access to “Everyone.” That makes it visible to search engines, too.
Set up a Google Profile. Go to www.google.com/profiles to build a personal page that helps people get the right information when they search your name. You can do the same thing on Yahoo at profiles.yahoo.com.
Monitor your online presence by signing up for Google or Yahoo Alerts. They’ll let you know if someone searches for certain phrases, such as your name or company name.
If you find something embarrassing, talk to the source. Even better, create positive content (write a blog or an article) that will appear on search results.
Online Reputation
Go ahead, Google yourself. Everyone else is. Whether you’re an adult or a teenager, what they find can affect your personal and professional life. Did you know employers and colleges search the internet for information about candidates before they make selection decisions? Here’s what you should do:
Find out what’s out there about you (or your company)…
• Search your name on Google, but don’t forget Yahoo, Bing and Ask. Put quotation marks around your name, and use keywords (your city) to narrow the search. Try it with your nickname or middle initial.
• Search again but click on “Images” and again on “Videos.”
• Check alumni sites, genealogy sites etc. Ask your friends if you’re in a video they’ve uploaded to YouTube.
Be proactive about protecting your reputation…
Safeguard your personal information, particularly on social networking sites. Open a secondary email account or use a different persona for social sites, chatrooms, web forums, etc.
Use privacy settings to set the right level of control, especially for Facebook and MySpace. Don’t give access to “Everyone.” That makes it visible to search engines, too.
Set up a Google Profile. Go to www.google.com/profiles to build a personal page that helps people get the right information when they search your name. You can do the same thing on Yahoo at profiles.yahoo.com.
Monitor your online presence by signing up for Google or Yahoo Alerts. They’ll let you know if someone searches for certain phrases, such as your name or company name.
If you find something embarrassing, talk to the source. Even better, create positive content (write a blog or an article) that will appear on search results.
Thursday, June 16, 2011
How To Maintain Strong, Healthy Bones…For Life!
Nearly 10 million Americans suffer from Osteoporosis. By 2020, half of all citizens over 50 will be at high risk for developing the condition. In a recent report, “Bone Health and Osteoporosis,” U. S. Surgeon General Richard H. Carmona outlines important measures you can take to maintain strong, healthy and happy bones for life.
One of the most common myths, he says, is that only women need to worry about bone health. Osteoporosis affects men and women of all races. By age 75, osteoporosis is as common in men as it is in women!
Are you at risk? The first symptom of osteoporosis is a bone fracture. Other risk factors include: low calcium/vitamin D intake, a sedentary lifestyle, smoking, body weight less than 125 lbs, long-term steroid medication like prednisone or cortisone, eating disorders such as anorexia or bulimia, and early menopause.
How to maintain strong bones? First, while bone weakness is evident in older Americans, strong bones begin in childhood. Here are four steps you can take today to prevent osteoporosis and maintain strong, healthy bones:
1. Get the recommended amount of daily calcium by drinking milk and eating green leafy vegetables, soybeans, yogurt, and cheese. (1,000 mg of calcium per day).
2. Exercise 30 minutes per day for adults; 60 minutes a day for children. This can be walking, running, or any weight-baring exercise.
3. Get Vitamin D (200 IU), which is produced in the skin by exposure to the sun. It’s also found in fortified milk and cereals
4. Your doctor can order a bone density test (DEXA), which measures bone density at the spine, hip, and wrist where most fractures occur.
For more information on osteoporosis, call 1-866-718-BONE, or go to www.surgeongeneral.gov.
One of the most common myths, he says, is that only women need to worry about bone health. Osteoporosis affects men and women of all races. By age 75, osteoporosis is as common in men as it is in women!
Are you at risk? The first symptom of osteoporosis is a bone fracture. Other risk factors include: low calcium/vitamin D intake, a sedentary lifestyle, smoking, body weight less than 125 lbs, long-term steroid medication like prednisone or cortisone, eating disorders such as anorexia or bulimia, and early menopause.
How to maintain strong bones? First, while bone weakness is evident in older Americans, strong bones begin in childhood. Here are four steps you can take today to prevent osteoporosis and maintain strong, healthy bones:
1. Get the recommended amount of daily calcium by drinking milk and eating green leafy vegetables, soybeans, yogurt, and cheese. (1,000 mg of calcium per day).
2. Exercise 30 minutes per day for adults; 60 minutes a day for children. This can be walking, running, or any weight-baring exercise.
3. Get Vitamin D (200 IU), which is produced in the skin by exposure to the sun. It’s also found in fortified milk and cereals
4. Your doctor can order a bone density test (DEXA), which measures bone density at the spine, hip, and wrist where most fractures occur.
For more information on osteoporosis, call 1-866-718-BONE, or go to www.surgeongeneral.gov.
Wednesday, June 15, 2011
Top Trends in Fitness
Resolve To Follow These
Fitness Trends In 2011
The American College of Sports Medicine has ranked the top fitness trends for 2011 based on a worldwide survey of fitness professionals. Make a New Year’s resolution to incorporate these trends in your family’s fitness program this year:
Educated and experienced fitness professionals. As the fitness market becomes more competitive, consumers are realizing the importance of working with professionals who have been certified through accredited health/fitness educational programs.
Strength training. This was once the domain of bodybuilders, but it’s now an essential part of a complete physical activity program.
Children and obesity. This is the year to reverse an alarming trend of rising obesity rates by getting overweight kids involved in exercise.
Personal training. As more personal trainers are educated and certified, they are becoming more accessible to a greater number of people.
Core training. This training specifically emphasizes strength and conditioning of the stabilizing muscles of the abdomen and back.
Special programs for older adults. Fitness facilities are offering more exercise programs for active older adults. Get your parents involved now!
Sport-specific training. High school athletes are now training during the off-season to prepare themselves for their specific sports.
Pilates. This form of exercise that targets the core of the body has become a mainstay of most fitness facilities. If you haven’t already done so, try it this year to increase your flexibility and posture.
Fitness Trends In 2011
The American College of Sports Medicine has ranked the top fitness trends for 2011 based on a worldwide survey of fitness professionals. Make a New Year’s resolution to incorporate these trends in your family’s fitness program this year:
Educated and experienced fitness professionals. As the fitness market becomes more competitive, consumers are realizing the importance of working with professionals who have been certified through accredited health/fitness educational programs.
Strength training. This was once the domain of bodybuilders, but it’s now an essential part of a complete physical activity program.
Children and obesity. This is the year to reverse an alarming trend of rising obesity rates by getting overweight kids involved in exercise.
Personal training. As more personal trainers are educated and certified, they are becoming more accessible to a greater number of people.
Core training. This training specifically emphasizes strength and conditioning of the stabilizing muscles of the abdomen and back.
Special programs for older adults. Fitness facilities are offering more exercise programs for active older adults. Get your parents involved now!
Sport-specific training. High school athletes are now training during the off-season to prepare themselves for their specific sports.
Pilates. This form of exercise that targets the core of the body has become a mainstay of most fitness facilities. If you haven’t already done so, try it this year to increase your flexibility and posture.
Tuesday, June 14, 2011
How To Save A Bundle On Homeowners Insurance!
Mounting claims from natural disasters have caused a colossal jump in the cost of homeowners insurance. With wildfires, hurricanes, tornadoes, earthquakes and mold taking a toll on property, homeowners’ insurance claims skyrocketed resulting in significant price hikes for consumers.
Over 51 million households saw price increases between 2001 and 2003, according to a study by the Independent Insurance Agents and Brokers Association of America. Here’s some important advice to help you reduce the cost of your homeowners insurance:
1. Raise Your Deductible. You can significantly reduce the cost of your homeowners insurance by raising your deductible to at least $1,000.
2. Keep Your Home In Good Condition. Make sure that your roof is in good shape. Fix any minor leaks or problems. Make sure the heating, plumbing and electrical systems are in good condition. Also, make sure to repair any drainage problems around your home.
3. Keep Your Credit Score High. Insurance companies use credit insurance scoring to determine who to insure and for how much. Your score depends on your credit report score and your claims history. To improve your credit score pay down your debt, close credit cards, and correct any credit report errors.
4. Avoid Filing Unnecessary Claims. Filing several small claims can result in rate increases and in some cases even being dropped by your insurance carrier.
5. Comparison Shop. Look for an insurer that has a good claims record. Every few years compare your policy with other reputable insurers. You may find a better value. Always buy a policy that pays the true replacement value for any loss.
6. Keep Your Policy Up-To-Date. Review your coverage each year. Make changes to the policy, if, for example, you increased the value of home (remodeling or building an addition). Conversely, reduce coverage for items that may have depreciated.
Over 51 million households saw price increases between 2001 and 2003, according to a study by the Independent Insurance Agents and Brokers Association of America. Here’s some important advice to help you reduce the cost of your homeowners insurance:
1. Raise Your Deductible. You can significantly reduce the cost of your homeowners insurance by raising your deductible to at least $1,000.
2. Keep Your Home In Good Condition. Make sure that your roof is in good shape. Fix any minor leaks or problems. Make sure the heating, plumbing and electrical systems are in good condition. Also, make sure to repair any drainage problems around your home.
3. Keep Your Credit Score High. Insurance companies use credit insurance scoring to determine who to insure and for how much. Your score depends on your credit report score and your claims history. To improve your credit score pay down your debt, close credit cards, and correct any credit report errors.
4. Avoid Filing Unnecessary Claims. Filing several small claims can result in rate increases and in some cases even being dropped by your insurance carrier.
5. Comparison Shop. Look for an insurer that has a good claims record. Every few years compare your policy with other reputable insurers. You may find a better value. Always buy a policy that pays the true replacement value for any loss.
6. Keep Your Policy Up-To-Date. Review your coverage each year. Make changes to the policy, if, for example, you increased the value of home (remodeling or building an addition). Conversely, reduce coverage for items that may have depreciated.
Monday, June 13, 2011
Filler Up With…Biogas?
The Los Angeles Times reports that an environmentally positive form of automotive fuel can now be made from municipal sewage, agricultural crop wastes and cow manure. “Biogas” is a compressed methane gas extracted from organic sources (such as cow manure).
The “Biogas” is purified and treated so it can serve as fuel in standard internal combustion engines. The fuel is a joint venture between Pasadena, CA non-profit that specializes in alternative transportation technologies and a Swedish business group that is testing the fuel. “Biogas” has been successfully powering cars and commercial trucks in Sweden for 3 years.
The “Biogas” is purified and treated so it can serve as fuel in standard internal combustion engines. The fuel is a joint venture between Pasadena, CA non-profit that specializes in alternative transportation technologies and a Swedish business group that is testing the fuel. “Biogas” has been successfully powering cars and commercial trucks in Sweden for 3 years.
Sunday, June 12, 2011
Microwave Ovens Can Reduce Nutrition Benefits
Microwaving Zaps Critical Nutritional Benefits From Foods
Researchers have found certain methods of preparation and cooking, such as microwaving, can cause vegetables to lose many key nutritional benefits. Researchers found microwaved broccoli had lost almost 90% of three major antioxidant compounds - flavonoids, sinapics and caffeoyl-quinic derivatives, which are thought to have cancer-fighting properties. In contrast, steamed broccoli had lost only 10% of the same health-promoting compounds. Veggies should be cooked in a minimal amount of water to retain nutritional benefits.
Researchers have found certain methods of preparation and cooking, such as microwaving, can cause vegetables to lose many key nutritional benefits. Researchers found microwaved broccoli had lost almost 90% of three major antioxidant compounds - flavonoids, sinapics and caffeoyl-quinic derivatives, which are thought to have cancer-fighting properties. In contrast, steamed broccoli had lost only 10% of the same health-promoting compounds. Veggies should be cooked in a minimal amount of water to retain nutritional benefits.
Saturday, June 11, 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.
Wednesday, June 8, 2011
Fed Up With Fees?
How To Avoid Vacation Cost Surprises
Going on vacation this summer? Make sure you don’t get taken for a ride by having to pay “hidden” costs or extra fees. Plan carefully, read the fine print and follow these tips to avoid unnecessary spending.
• Budget for the fees you know about. You can get a cheap fare, but on most airlines you’ll have to pay extra if you want to check a bag (let alone two), eat a meal, or have extra legroom. Pack economically, take your own snacks and don’t be tempted by legroom upgrades at the gate ─ or make sure to factor in those costs when you do your planning.
• Call the hotel directly (not the 800 number) and ask about “resort fees.” You already know they may charge for internet use, long distance and local calls and reservation cancellation, but did you know they may charge $10 to $25 a day for “amenities,” such as the pool or hotel gym? Comparison shop for a hotel that doesn’t charge for them. Also, join the club ─ literally. By joining the hotel loyalty program, you may save on some of these charges.
• Don’t be fooled by advertised rental-car rates, which don’t include taxes and surcharges. Check your insurance coverage before you go so you can deny insurance supplements, which can run up to $50 a day. When you reserve the car, ask about the airport concession fee; they don’t usually tell you that it’s cheaper to rent off-site. And don’t just add on an additional driver ─ it may cost you another $5-$10 per day.
• Use online travel sites but be aware the name-your-own-price option probably doesn’t include taxes or service fees charged by the site. Also, look for the sneaky word “nonrefundable.” You may be getting a good price but you’re also making a commitment.
• Pay with a credit card. It gives you the opportunity to dispute charges you don’t agree with. Don’t, however, give anyone your credit card number over the phone.
Going on vacation this summer? Make sure you don’t get taken for a ride by having to pay “hidden” costs or extra fees. Plan carefully, read the fine print and follow these tips to avoid unnecessary spending.
• Budget for the fees you know about. You can get a cheap fare, but on most airlines you’ll have to pay extra if you want to check a bag (let alone two), eat a meal, or have extra legroom. Pack economically, take your own snacks and don’t be tempted by legroom upgrades at the gate ─ or make sure to factor in those costs when you do your planning.
• Call the hotel directly (not the 800 number) and ask about “resort fees.” You already know they may charge for internet use, long distance and local calls and reservation cancellation, but did you know they may charge $10 to $25 a day for “amenities,” such as the pool or hotel gym? Comparison shop for a hotel that doesn’t charge for them. Also, join the club ─ literally. By joining the hotel loyalty program, you may save on some of these charges.
• Don’t be fooled by advertised rental-car rates, which don’t include taxes and surcharges. Check your insurance coverage before you go so you can deny insurance supplements, which can run up to $50 a day. When you reserve the car, ask about the airport concession fee; they don’t usually tell you that it’s cheaper to rent off-site. And don’t just add on an additional driver ─ it may cost you another $5-$10 per day.
• Use online travel sites but be aware the name-your-own-price option probably doesn’t include taxes or service fees charged by the site. Also, look for the sneaky word “nonrefundable.” You may be getting a good price but you’re also making a commitment.
• Pay with a credit card. It gives you the opportunity to dispute charges you don’t agree with. Don’t, however, give anyone your credit card number over the phone.
Tuesday, June 7, 2011
Volunteers See the Show for FREE
Get Into the Best Shows and Concerts in Your Town for FREE!
Lots of people do this… and they all rave about the experience! Volunteer as an usher or backstage crewmember for your local concerts, plays and outdoor music festivals. You’ll have to do a little work before or after the show, but expect to have lots of time to enjoy the entertainment.
Here’s the trade-out- volunteers usher people to their seats, set up chairs, give out programs and do clean up after the event. If you do a good job, my times you are on a “first call” list for future events put on by the promoter or theater. With ticket prices going up into the 3 figures, this can save you hundreds of dollars per year on top-quality cultural events and concerts.
Lots of people do this… and they all rave about the experience! Volunteer as an usher or backstage crewmember for your local concerts, plays and outdoor music festivals. You’ll have to do a little work before or after the show, but expect to have lots of time to enjoy the entertainment.
Here’s the trade-out- volunteers usher people to their seats, set up chairs, give out programs and do clean up after the event. If you do a good job, my times you are on a “first call” list for future events put on by the promoter or theater. With ticket prices going up into the 3 figures, this can save you hundreds of dollars per year on top-quality cultural events and concerts.
Monday, June 6, 2011
How to be a Smart Online Shopper
How to Protect Your Privacy and Be a Smart Online Shopper
Surfing the web has become part of daily life for over 240 million people worldwide (and growing). But new practices by many web merchants, combined with foul play from a few unscrupulous web tyrants, have made cyberspace not only inconvenient, but potentially dangerous.
Many web merchants are trafficking your personal information to other vendors and institutions. When you log on to a merchant’s web site, a small packet of software (the notorious “cookie”) is placed on your computer’s hard drive to track every mouse click as you shop or move about.
Many shopping sites function poorly or not at all without the cookie. For example, book seller Amazon.com (and its cookie) enables the site to remember your name, make buying suggestions based on previous purchases, and streamline order and shipping information. This tracking appears as a convenience when shopping, but the very same information can be used by the wrong people to cause great harm. Here are a few suggestions to safeguard your personal information and shop safely when on-line.
1. Read the web merchant’s privacy policy. Make sure you’re routed to a secure site when ordering. Expect to share personal information to make a purchase, however, don’t consent to your personal information being shared, sold or exchanged. The web site should offer you a simple “one click” way to remove your personal information from all of its lists.
2. Give your purchase 10 to 14 days to be delivered. Part of a multi-item order may be “back-ordered” and won’t be delivered on schedule. If you need a gift, consider a gift certificate. It can be delivered immediately by e-mail or relatively quickly by regular postal service.
3. Obtain and save an order confirmation number. An order number or UPS tracking number is frequently required to locate your purchases during shipping. If there’s a problem with your order, the confirmation number is your first line of proof and legal protection.
4. Check out the return policies when you shop online. Due to the expenses of shipping and handling, many cyber-stores will charge 10% to 20% re-stocking fee for returned or exchanged items. Larger retail sites are more likely to take responsibility for returns and waive re-stocking fees.
Surfing the web has become part of daily life for over 240 million people worldwide (and growing). But new practices by many web merchants, combined with foul play from a few unscrupulous web tyrants, have made cyberspace not only inconvenient, but potentially dangerous.
Many web merchants are trafficking your personal information to other vendors and institutions. When you log on to a merchant’s web site, a small packet of software (the notorious “cookie”) is placed on your computer’s hard drive to track every mouse click as you shop or move about.
Many shopping sites function poorly or not at all without the cookie. For example, book seller Amazon.com (and its cookie) enables the site to remember your name, make buying suggestions based on previous purchases, and streamline order and shipping information. This tracking appears as a convenience when shopping, but the very same information can be used by the wrong people to cause great harm. Here are a few suggestions to safeguard your personal information and shop safely when on-line.
1. Read the web merchant’s privacy policy. Make sure you’re routed to a secure site when ordering. Expect to share personal information to make a purchase, however, don’t consent to your personal information being shared, sold or exchanged. The web site should offer you a simple “one click” way to remove your personal information from all of its lists.
2. Give your purchase 10 to 14 days to be delivered. Part of a multi-item order may be “back-ordered” and won’t be delivered on schedule. If you need a gift, consider a gift certificate. It can be delivered immediately by e-mail or relatively quickly by regular postal service.
3. Obtain and save an order confirmation number. An order number or UPS tracking number is frequently required to locate your purchases during shipping. If there’s a problem with your order, the confirmation number is your first line of proof and legal protection.
4. Check out the return policies when you shop online. Due to the expenses of shipping and handling, many cyber-stores will charge 10% to 20% re-stocking fee for returned or exchanged items. Larger retail sites are more likely to take responsibility for returns and waive re-stocking fees.
Sunday, June 5, 2011
Why Earnest Money and How Much!?
Q. I am saving money to buy a home, but I’m not totally clear on what the term “earnest money” means. What is earnest money?
A. First, let me commend you on saving money for a home. Buying a house is probably the most important purchase you’ll make in your lifetime – and having cash available gives you more options with your purchase.
Earnest money is an important factor when you’re making an offer on a house. When you make an offer to purchase a house, the “earnest money” is the deposit that shows the buyer you are serious about the purchase. The money opens the escrow and can be applied to the buyers’ down payment or closing costs.
The earnest money amount is negotiable. It typically varies depending on the price of the house and strength of the market. Generally, it’s recommended that your earnest money deposit be about two percent of your offered price. And although earnest money is not required by law in most states, it’s standard practice in real estate transactions.
When the seller accepts your offer and earnest money, the property is taken off the market. In a hot real estate market, a large deposit may impress a seller enough so they will accept your offer instead of someone else’s. However, buyer beware…it can also put you at significant financial risk if for some reason the transaction runs into trouble not covered by a contingency in your purchase agreement.
The Standard Offer And Purchase Contract stipulates under what conditions your earnest money will be returned if the contract fails. If you are in the market for a home and need competent and caring representation, please call me at 206-226-0565.
A. First, let me commend you on saving money for a home. Buying a house is probably the most important purchase you’ll make in your lifetime – and having cash available gives you more options with your purchase.
Earnest money is an important factor when you’re making an offer on a house. When you make an offer to purchase a house, the “earnest money” is the deposit that shows the buyer you are serious about the purchase. The money opens the escrow and can be applied to the buyers’ down payment or closing costs.
The earnest money amount is negotiable. It typically varies depending on the price of the house and strength of the market. Generally, it’s recommended that your earnest money deposit be about two percent of your offered price. And although earnest money is not required by law in most states, it’s standard practice in real estate transactions.
When the seller accepts your offer and earnest money, the property is taken off the market. In a hot real estate market, a large deposit may impress a seller enough so they will accept your offer instead of someone else’s. However, buyer beware…it can also put you at significant financial risk if for some reason the transaction runs into trouble not covered by a contingency in your purchase agreement.
The Standard Offer And Purchase Contract stipulates under what conditions your earnest money will be returned if the contract fails. If you are in the market for a home and need competent and caring representation, please call me at 206-226-0565.
Friday, June 3, 2011
5 Loan Scams You Should Avoid Like Poison…
Short on cash? Need a small loan to tide you over? You’re not alone. Every day thousands of people walk a financial tightrope, and need a short-term loan to bridge the gap between bill-day and pay-day. But some of these loans can actually lead to financial ruin. Don’t become a victim of unscrupulous loan scams. Here’s important information you should know about five loans programs to avoid:
Scam #1: Advance Fee Loans. There are companies that prey on people with poor credit history. And for a fee, they claim they can find a lender who will approve their loan. A “red flag” should go up any time you see a request for fees “up front” for an application, processing a loan, or appraisal or credit reports. Any fees should be part of the loan.
Scam #2: Payday Loans. These short-term loans, ($100-$500) are issued against a borrower’s paycheck. The borrower postdates a check for an amount plus a fee. When the borrower is paid, the lender cashes the check. But here’s where it gets dicey: If the borrower can’t pay the loan back at the end of the loan period they hold the loan for another pay period, and tack on another fee. Fees can be as high as $20 per $100 loan.
Scam #3: Pawnshop Loans. These are short-term, quick cash loans
(average $75-$85), and are secured by personal collateral. Interest ranges from 2%-25% per month for 30-90 days. The collateral is sold if the interest and loan isn’t paid on time.
.
Scam #4: Title Loans. Your car’s title is used to secure these loans (generally 30 days). The amount is determined by your car’s value. Interest rates vary from state to state, and can go as high as 30% per year.
Scam #5: High Loan-To-Value Ratio Home Equity Loans. This loan is secured by the equity in your home; however, the danger is that you can end up paying more than your house is worth.
Before considering any of these loans, talk to your own bank about a loan. If your bank turns you down, find out why and if there’s anything you can do. You may be able to put up collateral to secure the loan, or get a co-signer to agree to assume some of the responsibility for the loan.
Scam #1: Advance Fee Loans. There are companies that prey on people with poor credit history. And for a fee, they claim they can find a lender who will approve their loan. A “red flag” should go up any time you see a request for fees “up front” for an application, processing a loan, or appraisal or credit reports. Any fees should be part of the loan.
Scam #2: Payday Loans. These short-term loans, ($100-$500) are issued against a borrower’s paycheck. The borrower postdates a check for an amount plus a fee. When the borrower is paid, the lender cashes the check. But here’s where it gets dicey: If the borrower can’t pay the loan back at the end of the loan period they hold the loan for another pay period, and tack on another fee. Fees can be as high as $20 per $100 loan.
Scam #3: Pawnshop Loans. These are short-term, quick cash loans
(average $75-$85), and are secured by personal collateral. Interest ranges from 2%-25% per month for 30-90 days. The collateral is sold if the interest and loan isn’t paid on time.
.
Scam #4: Title Loans. Your car’s title is used to secure these loans (generally 30 days). The amount is determined by your car’s value. Interest rates vary from state to state, and can go as high as 30% per year.
Scam #5: High Loan-To-Value Ratio Home Equity Loans. This loan is secured by the equity in your home; however, the danger is that you can end up paying more than your house is worth.
Before considering any of these loans, talk to your own bank about a loan. If your bank turns you down, find out why and if there’s anything you can do. You may be able to put up collateral to secure the loan, or get a co-signer to agree to assume some of the responsibility for the loan.
Wednesday, June 1, 2011
Walnuts the New Super Food
How You Can Lower Your LDL...The Bad Cholesterol
Worried about your cholesterol? Researchers have found a way to easily reduce your LDL cholesterol by simply adding one key ingredient to your daily diet. What is this magic, secret ingredient that could change your life?
WALNUTS! Yes, just by eating 8-11 walnuts every day, you’ll lower your “bad” LDL cholesterol by up to 11 percent. And you can further reduce your LDL significantly by eating more fruits, vegetables, and olive oil.
Worried about your cholesterol? Researchers have found a way to easily reduce your LDL cholesterol by simply adding one key ingredient to your daily diet. What is this magic, secret ingredient that could change your life?
WALNUTS! Yes, just by eating 8-11 walnuts every day, you’ll lower your “bad” LDL cholesterol by up to 11 percent. And you can further reduce your LDL significantly by eating more fruits, vegetables, and olive oil.
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