Q. What are “walkability” scores?
A. CEOs For Cities, a national network of urban leaders, commissioned a study released in August 2009 that explored the relationship between home values and walkability in various U.S. metropolitan areas.
Walkability is defined by the Walk Score algorithm, which calculates the closest amenities to a U.S. address. Scores range from 0 (car dependent) to 100 (most walkable).
The results showed that the walkability of cities translated into increased home values in 13 of the 15 housing markets studied. In the typical metropolitan area, a one-point increase in Walk Score was associated with an increase in value ranging from $700 to $3,000 depending on the market. The gains were larger in more dense, urban areas like Chicago and San Francisco and smaller in less dense markets like Tucson and Fresno.
Houses with above-average levels of walkability commanded a premium of about $4,000 to $34,000 over houses with average levels in the typical metropolitan area.
Walk Score is an approximation. It does not consider factors such as public transit, crime and topography. Lots of real estate agents, however, are adding the Walk Score to their listings.
If you have any questions, or need capable and trustworthy representation, please call me at 206-226-0565.
Monday, February 28, 2011
Sunday, February 27, 2011
Don't Forget to Use Those Christmas Gift Cards
Use It Or Lose It: Making
The Most Of Gift Cards
Chances are you’ll give or receive at least one gift card over the holidays, but there’s more to buying and redeeming them than you think. Follow these tips to get the most for your money.
If you’re purchasing one…
• Only buy cards that clearly state the cost, monthly fees and expiration date.
• Include your purchase receipt with the gift card in case the recipient has problems with it.
If you’re using one…
• Know what you have. Is it a store card or bank card? Bank cards (Visa, MasterCard and American Express) are popular but they come with fees and terms. If you receive a bank card, register it online so you can get a replacement if it’s lost or stolen. (You’ll need to report it right away.)
• Use the total value of the card within six months. You’ll avoid fees and the possibility of the store going out of business.
• Try to use the card at stores that accept split payments (part card, part cash). While most large chain stores do, some stores don’t. The Consumer Federation of America says 10 percent of the value of bank cards is never used.
• Keep track of your balance (the store may be able to tell you). It’s easy to forget you have money left on the card. Any unused amount only benefits the store or bank.
There’s good news: Effective August 2010, a new law requires cards to be active for at least five years and prohibits companies from charging fees if gift cards are used within the past 12 months.
The Most Of Gift Cards
Chances are you’ll give or receive at least one gift card over the holidays, but there’s more to buying and redeeming them than you think. Follow these tips to get the most for your money.
If you’re purchasing one…
• Only buy cards that clearly state the cost, monthly fees and expiration date.
• Include your purchase receipt with the gift card in case the recipient has problems with it.
If you’re using one…
• Know what you have. Is it a store card or bank card? Bank cards (Visa, MasterCard and American Express) are popular but they come with fees and terms. If you receive a bank card, register it online so you can get a replacement if it’s lost or stolen. (You’ll need to report it right away.)
• Use the total value of the card within six months. You’ll avoid fees and the possibility of the store going out of business.
• Try to use the card at stores that accept split payments (part card, part cash). While most large chain stores do, some stores don’t. The Consumer Federation of America says 10 percent of the value of bank cards is never used.
• Keep track of your balance (the store may be able to tell you). It’s easy to forget you have money left on the card. Any unused amount only benefits the store or bank.
There’s good news: Effective August 2010, a new law requires cards to be active for at least five years and prohibits companies from charging fees if gift cards are used within the past 12 months.
Saturday, February 26, 2011
Improve Your Posture Now To Prevent Pain Later
There’s something you can do right now to look better and prevent years of backaches, headaches and other painful symptoms as you get older: Pay attention to your posture. To combat years of poor habits, including slouching in front of computers and TVs, here’s what you should do:
• Learn about correct posture. Your Mom was right, but there’s more to it than just standing up straight. It means maintaining your spine’s natural curves. You have to train your body to stand, walk, sit and lie in positions where the least strain in placed on supporting muscles and ligaments.
• Take the wall test. Stand with your head, shoulder blades and buttocks touching a wall with your heels 2-4 inches away from it. Slide your hand behind the curve in your lower back. You'll feel about one hand's thickness of space between your back and the wall. If there's too much space, tighten your abdominal muscles. If there's too little space, arch your back. Walk away from the wall and maintain this posture.
• Keep your body in alignment when sitting. Rest both feet flat on the floor while keeping your knees level with your hips. Sit with your back against the chair, using a cushion if you need support. Stretch your head toward the ceiling and tuck your chin in slightly. Keep your upper back and neck straight and shoulders relaxed (not rounded or pulled backward).
• Exercise to strengthen your core. Start with easy stretches and exercises (check out www.aarp.org/fitness). Work up to taking classes in Pilates, yoga and strength training. If you already have back or other physical problems, talk to your doctor before you start a program, and work with a physical therapist or personal trainer.
• Keep your bones strong. Maintain a healthy diet rich in calcium and vitamin D. To prevent osteoporosis (thinning of the bones), do weight bearing exercises such as walking, jogging and climbing stairs. Strong bones and good muscle support will help you make correct posture a habit.
• Learn about correct posture. Your Mom was right, but there’s more to it than just standing up straight. It means maintaining your spine’s natural curves. You have to train your body to stand, walk, sit and lie in positions where the least strain in placed on supporting muscles and ligaments.
• Take the wall test. Stand with your head, shoulder blades and buttocks touching a wall with your heels 2-4 inches away from it. Slide your hand behind the curve in your lower back. You'll feel about one hand's thickness of space between your back and the wall. If there's too much space, tighten your abdominal muscles. If there's too little space, arch your back. Walk away from the wall and maintain this posture.
• Keep your body in alignment when sitting. Rest both feet flat on the floor while keeping your knees level with your hips. Sit with your back against the chair, using a cushion if you need support. Stretch your head toward the ceiling and tuck your chin in slightly. Keep your upper back and neck straight and shoulders relaxed (not rounded or pulled backward).
• Exercise to strengthen your core. Start with easy stretches and exercises (check out www.aarp.org/fitness). Work up to taking classes in Pilates, yoga and strength training. If you already have back or other physical problems, talk to your doctor before you start a program, and work with a physical therapist or personal trainer.
• Keep your bones strong. Maintain a healthy diet rich in calcium and vitamin D. To prevent osteoporosis (thinning of the bones), do weight bearing exercises such as walking, jogging and climbing stairs. Strong bones and good muscle support will help you make correct posture a habit.
Friday, February 25, 2011
Can Medication Make You Sick?
Medication is supposed to make us better, but it can have the opposite effect. Take care to avoid these medication mistakes:
• Mixing over-the-counter (OTC) and prescription medications. You may be double dosing. For example, if you take a cold pill that contains acetaminophen (more than 600 OTC and prescription medicines do), don’t pop an additional Tylenol for good measure. Too much of the drug can cause liver damage.
• Not recognizing the “rebound effect.” That’s when a drug produces reverse effects when the effect of the drug has passed or the patient no longer responds to it. In other words, a remedy meant to help may make a condition worse. This has been known to happen with pain relievers, OTC eye drops, decongestant sprays, sleeping pills and teeth whiteners. Best advice: If you don’t think a drug or product is working, don’t just take more of it. Talk to your doctor about alternatives.
• Mixing over-the-counter (OTC) and prescription medications. You may be double dosing. For example, if you take a cold pill that contains acetaminophen (more than 600 OTC and prescription medicines do), don’t pop an additional Tylenol for good measure. Too much of the drug can cause liver damage.
• Not recognizing the “rebound effect.” That’s when a drug produces reverse effects when the effect of the drug has passed or the patient no longer responds to it. In other words, a remedy meant to help may make a condition worse. This has been known to happen with pain relievers, OTC eye drops, decongestant sprays, sleeping pills and teeth whiteners. Best advice: If you don’t think a drug or product is working, don’t just take more of it. Talk to your doctor about alternatives.
Wednesday, February 23, 2011
Don’t Get Caught In These Risky Investor Traps
You’re anxious to rebuild your nest egg but want to make sure you invest wisely. Here are some of the top products and practices you should avoid, according to the North American Securities Administrators Association:
Foreign Exchange Trading Schemes. Beware of salesmen who claim to have algorithms or propriety software programs that allow them to beat the market. State regulators have found situations where there are no trades; the money is simply stolen.
“Green” schemes. New energy-efficient technologies are popular, but be wary of those exploiting headlines related to the Gulf oil spill clean-up and “clean” innovations, such as wind energies or carbon credits.
Oil & Gas schemes. These investments tend to be unsuitable for smaller investors who can’t afford the risk. While ventures can be legitimate, some promoters structure their “general partnerships” to avoid securities regulation.
Affinity fraud. Scam artists like to prey on groups, such as church members and professional groups. Seek further information from an unbiased, independent source.
Undisclosed conflicts of interest. Demand that anyone giving advice or recommendations disclose how they are compensated.
Private or special deals. Although properly used by many legitimate issuers, private offerings have become an attractive option for con artists who steal money by promoting special deals.
“Off the Books” deals. Be cautious if your broker offers an investment on the side instead of one sold through his or her employer.
Unsolicited online pitches. Fraudulent investment scammers are now using social media (Facebook, Twitter, Craigslist, YouTube) to solicit unsuspecting investors. Approach any unsolicited investment opportunity with suspicion.
How do you avoid getting taken? Do your homework, be skeptical and only do business with licensed brokers and advisers. Check out any adviser before you invest at a site such as www.adviserinfo.sec.gov. Report any suspicion of fraud to your state or provincial securities regulator.
Foreign Exchange Trading Schemes. Beware of salesmen who claim to have algorithms or propriety software programs that allow them to beat the market. State regulators have found situations where there are no trades; the money is simply stolen.
“Green” schemes. New energy-efficient technologies are popular, but be wary of those exploiting headlines related to the Gulf oil spill clean-up and “clean” innovations, such as wind energies or carbon credits.
Oil & Gas schemes. These investments tend to be unsuitable for smaller investors who can’t afford the risk. While ventures can be legitimate, some promoters structure their “general partnerships” to avoid securities regulation.
Affinity fraud. Scam artists like to prey on groups, such as church members and professional groups. Seek further information from an unbiased, independent source.
Undisclosed conflicts of interest. Demand that anyone giving advice or recommendations disclose how they are compensated.
Private or special deals. Although properly used by many legitimate issuers, private offerings have become an attractive option for con artists who steal money by promoting special deals.
“Off the Books” deals. Be cautious if your broker offers an investment on the side instead of one sold through his or her employer.
Unsolicited online pitches. Fraudulent investment scammers are now using social media (Facebook, Twitter, Craigslist, YouTube) to solicit unsuspecting investors. Approach any unsolicited investment opportunity with suspicion.
How do you avoid getting taken? Do your homework, be skeptical and only do business with licensed brokers and advisers. Check out any adviser before you invest at a site such as www.adviserinfo.sec.gov. Report any suspicion of fraud to your state or provincial securities regulator.
Tuesday, February 22, 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).
Monday, February 21, 2011
New Federal Lead Based Paint Rules in Effect
Q. What do I need to know about lead paint in older homes?
A. If you’re planning to buy, rent or renovate a home built before 1978, you need to read the Renovate Right brochure produced by the U.S. Environmental Protection Agency. (www.epa.gov/lead/pubs/renovaterightbrochure.pdf).
In it you’ll learn that lead-based paint, which is dangerous to adults but especially to children under six years of age, was used in more than 38 million homes until it was banned from residential use in 1978.
You have the option to hire a certified risk assessor or inspector to check for lead-based paint (call the National Lead Information Center for help finding one). Or you can assume that it’s present if your home was built prior to 1978 and follow the practices in the brochure.
Federal law now requires that contractors performing renovation, repair and painting projects that disturb painted surfaces in these homes be EPA Lead-Safe Certified. You can use the search tool on the EPA web site to find a certified renovator near you or call your local homebuilders’ association for a list of certified remodelers. After the job is complete, be sure to save the records so you can pass them on if you decide to sell your home.
If you have any questions, or need capable and trustworthy representation, please call me at 206-226-0565.
A. If you’re planning to buy, rent or renovate a home built before 1978, you need to read the Renovate Right brochure produced by the U.S. Environmental Protection Agency. (www.epa.gov/lead/pubs/renovaterightbrochure.pdf).
In it you’ll learn that lead-based paint, which is dangerous to adults but especially to children under six years of age, was used in more than 38 million homes until it was banned from residential use in 1978.
You have the option to hire a certified risk assessor or inspector to check for lead-based paint (call the National Lead Information Center for help finding one). Or you can assume that it’s present if your home was built prior to 1978 and follow the practices in the brochure.
Federal law now requires that contractors performing renovation, repair and painting projects that disturb painted surfaces in these homes be EPA Lead-Safe Certified. You can use the search tool on the EPA web site to find a certified renovator near you or call your local homebuilders’ association for a list of certified remodelers. After the job is complete, be sure to save the records so you can pass them on if you decide to sell your home.
If you have any questions, or need capable and trustworthy representation, please call me at 206-226-0565.
Sunday, February 20, 2011
Did You Buy A Lemon?
Not the fruit, but a new car that is defective beyond repair. Here’s what to do if you think you might have one.
Know your rights and responsibilities. Every state has a Lemon Law that outlines eligibility requirements, notice requirements and specific remedies that you may recover in a legal action against the manufacturer if a vehicle cannot be fixed to conform to the warranty after a reasonable number of repair attempts. If you can’t find the information, contact your state consumer protection agency. The Canadian Motor Vehicle Arbitration Plan is the dispute resolution program for consumers in Canada.
File a Lemon Law auto warranty complaint with the Better Business Bureau (BBB) AUTO LINE program. If your auto manufacturer participates in the program, the BBB can help you negotiate with them
and, if necessary, hold an arbitration hearing to settle the dispute at no cost to you.
Know your rights and responsibilities. Every state has a Lemon Law that outlines eligibility requirements, notice requirements and specific remedies that you may recover in a legal action against the manufacturer if a vehicle cannot be fixed to conform to the warranty after a reasonable number of repair attempts. If you can’t find the information, contact your state consumer protection agency. The Canadian Motor Vehicle Arbitration Plan is the dispute resolution program for consumers in Canada.
File a Lemon Law auto warranty complaint with the Better Business Bureau (BBB) AUTO LINE program. If your auto manufacturer participates in the program, the BBB can help you negotiate with them
and, if necessary, hold an arbitration hearing to settle the dispute at no cost to you.
Friday, February 18, 2011
Why You Should BCC…
Do you send or forward emails with all the original contacts showing? Here’s what you should do instead and why.
If you’re sending an email, put your email in the To field and your distribution list in the Blind Carbon Copy (BCC) area. And if it’s a joke or other forwarded email that has been sent to a long list of recipients, delete all the email addresses in the body of the email itself before you hit send.
It protects the privacy of people’s email addresses. Some of your recipients may prefer to keep their email address private. And if a person “replies to all,” it can be confusing and annoying.
Those long forwarded email lists can be a bit tedious. Save your friends some time.
You and your recipients will have less exposure to spammers. Spammers love to get their hands on valid email addresses. In fact, some of those innocent-looking emails (“pass this message on and you’ll have good luck for 5 years”) are actually started by spammers who are using the email as a tool to benefit themselves.
Encourage your friends to use BCC as well. That’s what friends are for!
If you’re sending an email, put your email in the To field and your distribution list in the Blind Carbon Copy (BCC) area. And if it’s a joke or other forwarded email that has been sent to a long list of recipients, delete all the email addresses in the body of the email itself before you hit send.
It protects the privacy of people’s email addresses. Some of your recipients may prefer to keep their email address private. And if a person “replies to all,” it can be confusing and annoying.
Those long forwarded email lists can be a bit tedious. Save your friends some time.
You and your recipients will have less exposure to spammers. Spammers love to get their hands on valid email addresses. In fact, some of those innocent-looking emails (“pass this message on and you’ll have good luck for 5 years”) are actually started by spammers who are using the email as a tool to benefit themselves.
Encourage your friends to use BCC as well. That’s what friends are for!
Thursday, February 17, 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.
Wednesday, February 16, 2011
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
Tuesday, February 15, 2011
Fitness Trends for 2011
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.
Monday, February 14, 2011
Read the Fine Print in Free Trial Offers
Free Trial? Maybe Not!
The next time you sign up for a free trial offer, be sure to read the fine print. While these offers can be a great way to try out a product, you might be agreeing to buy additional products and services if you don’t cancel within a specified time.
It’s called the “negative option feature,” and it requires the customer to cancel or opt-out of a recurring charge for future products. While it’s not illegal, some questionable online merchants pre-check the consent box or bury the details under terms and conditions, making returns difficult.
If this has happened to you, you’re not alone. A Visa survey showed 29 percent of American consumers have been victims of this option. The Better Business Bureau says it has received thousands of complaints from people who learned the hard way by signing up for online trial offers for acai berry supplements, detox products, teeth whiteners, free government grants and debt consolidation services.
Best advice? Before you buy, read the offer carefully, pay attention to pre-checked boxes and check out the business at www.bbb.org.
The next time you sign up for a free trial offer, be sure to read the fine print. While these offers can be a great way to try out a product, you might be agreeing to buy additional products and services if you don’t cancel within a specified time.
It’s called the “negative option feature,” and it requires the customer to cancel or opt-out of a recurring charge for future products. While it’s not illegal, some questionable online merchants pre-check the consent box or bury the details under terms and conditions, making returns difficult.
If this has happened to you, you’re not alone. A Visa survey showed 29 percent of American consumers have been victims of this option. The Better Business Bureau says it has received thousands of complaints from people who learned the hard way by signing up for online trial offers for acai berry supplements, detox products, teeth whiteners, free government grants and debt consolidation services.
Best advice? Before you buy, read the offer carefully, pay attention to pre-checked boxes and check out the business at www.bbb.org.
Sunday, February 13, 2011
Ideas on Getting Your Home Ready to Sell This Spring
Q. We are planning to sell our home soon. What room should we focus our main attention when getting our house ready for sale?
A. Focus on the kitchen. The kitchen is a major consideration in most sales. For many people, the kitchen is the most important room in a house.
If you have an outdated kitchen and plan to sell your home, a kitchen remodel usually doesn’t make sense. However, a kitchen makeover can work magic in brightening your home. Here are a few tips to liven up a tired kitchen without taxing your pocketbook:
1) A New Coat Of Paint. A fresh coat of paint can work wonders in brightening any room. Focus on neutral colors.
2) Clean Up The Clutter. Put away any extra appliances, cookbooks, and other messy items that take up counter space.
3) Clean, Clean, Clean. Make sure everything sparkles...from the windows, appliances, counters, to the floor.
4) Out With The Old, In With The New. If your countertop tile is outdated, old, or grungy. replace it with new tile. Remember to keep the colors neutral. If you have an old stainless steel faucet replace it with a new one. These improvements can be completed inexpensively, and will increase the value and appeal of your home.
5) Replace Outdated Hardware. If you have old, outdated hardware on your kitchen cabinets, look for a new, stylish replacement.
6) Lighting. Make sure there is light shining in the kitchen when you show your house. You want your kitchen to look bright and spotless.
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. Focus on the kitchen. The kitchen is a major consideration in most sales. For many people, the kitchen is the most important room in a house.
If you have an outdated kitchen and plan to sell your home, a kitchen remodel usually doesn’t make sense. However, a kitchen makeover can work magic in brightening your home. Here are a few tips to liven up a tired kitchen without taxing your pocketbook:
1) A New Coat Of Paint. A fresh coat of paint can work wonders in brightening any room. Focus on neutral colors.
2) Clean Up The Clutter. Put away any extra appliances, cookbooks, and other messy items that take up counter space.
3) Clean, Clean, Clean. Make sure everything sparkles...from the windows, appliances, counters, to the floor.
4) Out With The Old, In With The New. If your countertop tile is outdated, old, or grungy. replace it with new tile. Remember to keep the colors neutral. If you have an old stainless steel faucet replace it with a new one. These improvements can be completed inexpensively, and will increase the value and appeal of your home.
5) Replace Outdated Hardware. If you have old, outdated hardware on your kitchen cabinets, look for a new, stylish replacement.
6) Lighting. Make sure there is light shining in the kitchen when you show your house. You want your kitchen to look bright and spotless.
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.
Friday, February 11, 2011
Improve Your Posture Now To Prevent Pain Later
There’s something you can do right now to look better and prevent years of backaches, headaches and other painful symptoms as you get older: Pay attention to your posture. To combat years of poor habits, including slouching in front of computers and TVs, here’s what you should do:
• Learn about correct posture. Your Mom was right, but there’s more to it than just standing up straight. It means maintaining your spine’s natural curves. You have to train your body to stand, walk, sit and lie in positions where the least strain in placed on supporting muscles and ligaments.
• Take the wall test. Stand with your head, shoulder blades and buttocks touching a wall with your heels 2-4 inches away from it. Slide your hand behind the curve in your lower back. You'll feel about one hand's thickness of space between your back and the wall. If there's too much space, tighten your abdominal muscles. If there's too little space, arch your back. Walk away from the wall and maintain this posture.
• Keep your body in alignment when sitting. Rest both feet flat on the floor while keeping your knees level with your hips. Sit with your back against the chair, using a cushion if you need support. Stretch your head toward the ceiling and tuck your chin in slightly. Keep your upper back and neck straight and shoulders relaxed (not rounded or pulled backward).
• Exercise to strengthen your core. Start with easy stretches and exercises (check out www.aarp.org/fitness). Work up to taking classes in Pilates, yoga and strength training. If you already have back or other physical problems, talk to your doctor before you start a program, and work with a physical therapist or personal trainer.
Keep your bones strong. Maintain a healthy diet rich in calcium and vitamin D. To prevent osteoporosis (thinning of the bones), do weight bearing exercises such as walking, jogging and climbing stairs. Strong bones and good muscle support will help you make correct posture a habit
• Learn about correct posture. Your Mom was right, but there’s more to it than just standing up straight. It means maintaining your spine’s natural curves. You have to train your body to stand, walk, sit and lie in positions where the least strain in placed on supporting muscles and ligaments.
• Take the wall test. Stand with your head, shoulder blades and buttocks touching a wall with your heels 2-4 inches away from it. Slide your hand behind the curve in your lower back. You'll feel about one hand's thickness of space between your back and the wall. If there's too much space, tighten your abdominal muscles. If there's too little space, arch your back. Walk away from the wall and maintain this posture.
• Keep your body in alignment when sitting. Rest both feet flat on the floor while keeping your knees level with your hips. Sit with your back against the chair, using a cushion if you need support. Stretch your head toward the ceiling and tuck your chin in slightly. Keep your upper back and neck straight and shoulders relaxed (not rounded or pulled backward).
• Exercise to strengthen your core. Start with easy stretches and exercises (check out www.aarp.org/fitness). Work up to taking classes in Pilates, yoga and strength training. If you already have back or other physical problems, talk to your doctor before you start a program, and work with a physical therapist or personal trainer.
Keep your bones strong. Maintain a healthy diet rich in calcium and vitamin D. To prevent osteoporosis (thinning of the bones), do weight bearing exercises such as walking, jogging and climbing stairs. Strong bones and good muscle support will help you make correct posture a habit
Thursday, February 10, 2011
How To Avoid International Cellphone Bill Shock
Have you been devastated by a sky-high wireless phone bill after an international trip? It’s easy to rack up a huge bill using your phone in other countries if you don’t do your homework first. Here are tips and options that will help you save money:
Check with your wireless provider to see if your phone will work where you’re going and what the rates will be. Ask if your carrier offers international data roaming plans or other discount services.
Buy or rent an inexpensive phone for the country you’ll be visiting.
If you’re a frequent international traveler, consider buying a “world phone” that will work anywhere. See www.worldphones.com.
If your phone is capable, consider replacing your American SIM card with a country-specific SIM card. You can buy one at your destination airport. Be aware that roaming charges will apply if you travel to a different country so if you’re staying in the second country awhile, you may want to buy another SIM card. Note that your phone will have a different number!
Sign up for Skype (calling over the internet) to use on your laptop or some smartphones (like iPhone). You can get unlimited Wi-Fi in over 70 countries at a reasonable rate through a service like Boingo Wireless.
Buy an international calling card at your destination that you can use from a land line. (A good idea if you’ll be on conference calls where call quality is important.) Remember, if you use the calling card from your mobile phone, regular minute charges will apply.
Be sure to look into the cost of international texting. Talk to your provider or go to www.squidoo.com/international_text_messaging.
Check with your wireless provider to see if your phone will work where you’re going and what the rates will be. Ask if your carrier offers international data roaming plans or other discount services.
Buy or rent an inexpensive phone for the country you’ll be visiting.
If you’re a frequent international traveler, consider buying a “world phone” that will work anywhere. See www.worldphones.com.
If your phone is capable, consider replacing your American SIM card with a country-specific SIM card. You can buy one at your destination airport. Be aware that roaming charges will apply if you travel to a different country so if you’re staying in the second country awhile, you may want to buy another SIM card. Note that your phone will have a different number!
Sign up for Skype (calling over the internet) to use on your laptop or some smartphones (like iPhone). You can get unlimited Wi-Fi in over 70 countries at a reasonable rate through a service like Boingo Wireless.
Buy an international calling card at your destination that you can use from a land line. (A good idea if you’ll be on conference calls where call quality is important.) Remember, if you use the calling card from your mobile phone, regular minute charges will apply.
Be sure to look into the cost of international texting. Talk to your provider or go to www.squidoo.com/international_text_messaging.
Wednesday, February 9, 2011
Do You Know Your Numbers? It Could Save Your Life
3 Life-Saving Numbers…
Do you know your numbers? You should know and track at least these three to save your life.
Blood pressure. Normal is below 120/80. Some doctors say to aim for 115/76 or less. TV’s Dr. Oz adds that you can lower it by losing just 10 percent of any weight you’ve gained since you were 18.
Cholesterol. Your total should be less than 200. HDL (good cholesterol) should be more than 40 for men and 50 for women. Optimal LDL (lousy cholesterol) is 100 or lower. Triglycerides should be less than 150. To help lower your cholesterol, add these to your diet: soy-based foods, almonds, grains and veggies.
Blood sugar. Fasting blood sugar should be less than 100. One way to help keep yours stable is to switch to whole-wheat pasta. It also contains magnesium, which lowers the risk of diabetes.
Know your numbers, and ask your doctor what you can do to improve them.
Do you know your numbers? You should know and track at least these three to save your life.
Blood pressure. Normal is below 120/80. Some doctors say to aim for 115/76 or less. TV’s Dr. Oz adds that you can lower it by losing just 10 percent of any weight you’ve gained since you were 18.
Cholesterol. Your total should be less than 200. HDL (good cholesterol) should be more than 40 for men and 50 for women. Optimal LDL (lousy cholesterol) is 100 or lower. Triglycerides should be less than 150. To help lower your cholesterol, add these to your diet: soy-based foods, almonds, grains and veggies.
Blood sugar. Fasting blood sugar should be less than 100. One way to help keep yours stable is to switch to whole-wheat pasta. It also contains magnesium, which lowers the risk of diabetes.
Know your numbers, and ask your doctor what you can do to improve them.
Tuesday, February 8, 2011
Could Working From Home Work for You?
Here They Are—The Top 10 Jobs For Working From Home
Have you ever wanted a job where you didn’t have to drive to work? No traffic. No commuting. Flexible hours. And no sharing office space with people you might not care to see everyday. Now more and more people are opting for working at home. With technological advances and computers, home offices make working at home more affordable for employers, and much more convenient for workers.
How do you know if working at home is for you? Two traits can help to make someone more successful at working outside the office. First, successful at home workers or telecommuters are self-starters who don’t need “hands-on” help from managers. Secondly, they need to be an organized person with good time management skills. So if you’re interested in what career opportunities lend themselves to working at home, here’s a list of the Top 10 Jobs for working from home:
1) Computer Programmer / IT Specialist; 2)Accountant / Financial Advisor; 3) Graphic Designer; 4)Web Site Designer / Web Developer; 5) Communications Specialist; 6)Medical Transcriptionist;
7) Real Estate Agent; 8) Sales Representative; 9) Market Researcher; and 10) Translation Specialist.
For more information on working from home or telecommuting, go to smarterwork.com, projectfirm.com, brainbid.com.
Have you ever wanted a job where you didn’t have to drive to work? No traffic. No commuting. Flexible hours. And no sharing office space with people you might not care to see everyday. Now more and more people are opting for working at home. With technological advances and computers, home offices make working at home more affordable for employers, and much more convenient for workers.
How do you know if working at home is for you? Two traits can help to make someone more successful at working outside the office. First, successful at home workers or telecommuters are self-starters who don’t need “hands-on” help from managers. Secondly, they need to be an organized person with good time management skills. So if you’re interested in what career opportunities lend themselves to working at home, here’s a list of the Top 10 Jobs for working from home:
1) Computer Programmer / IT Specialist; 2)Accountant / Financial Advisor; 3) Graphic Designer; 4)Web Site Designer / Web Developer; 5) Communications Specialist; 6)Medical Transcriptionist;
7) Real Estate Agent; 8) Sales Representative; 9) Market Researcher; and 10) Translation Specialist.
For more information on working from home or telecommuting, go to smarterwork.com, projectfirm.com, brainbid.com.
Monday, February 7, 2011
New Government Sodium Standards Going into Effect
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
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
Saturday, February 5, 2011
Seven Ways to Make Your Home Healthier
Q. How can I make my home healthier for my family?
A. Whether you have an older home or a new one, you can make your home healthier by following these seven basic principles recommended by the U.S. Department of Housing and Urban Development.
1. Keep your home dry. Check for external and internal leaks in roofing and plumbing. Moisture invites mold, which can cause serious problems.
2. Keep it clean. Clean surfaces frequently to control allergy-causing dust.
3. Keep it safe. Install smoke and carbon monoxide detectors. Have fire extinguishers available on each floor.
4. Keep it well-ventilated. Increase the amount of fresh air, which improves respiratory health.
5. Keep it pest free. Seal cracks and openings to keep the critters out and store all food securely.
6. Keep it contaminant free. Check for deteriorating lead-based paint in homes built before 1978. Have your home tested for radon.
7. Keep it well maintained. Routinely inspect your home and make repairs. Better to fix small problems before they become bigger ones.
If you have any questions, or need capable and trustworthy representation, please call me at 206-226-0565.
A. Whether you have an older home or a new one, you can make your home healthier by following these seven basic principles recommended by the U.S. Department of Housing and Urban Development.
1. Keep your home dry. Check for external and internal leaks in roofing and plumbing. Moisture invites mold, which can cause serious problems.
2. Keep it clean. Clean surfaces frequently to control allergy-causing dust.
3. Keep it safe. Install smoke and carbon monoxide detectors. Have fire extinguishers available on each floor.
4. Keep it well-ventilated. Increase the amount of fresh air, which improves respiratory health.
5. Keep it pest free. Seal cracks and openings to keep the critters out and store all food securely.
6. Keep it contaminant free. Check for deteriorating lead-based paint in homes built before 1978. Have your home tested for radon.
7. Keep it well maintained. Routinely inspect your home and make repairs. Better to fix small problems before they become bigger ones.
If you have any questions, or need capable and trustworthy representation, please call me at 206-226-0565.
Friday, February 4, 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.
Thursday, February 3, 2011
Use These Strategies To Shop Smarter For Groceries
You can read plenty of articles on the internet about how to save money on groceries, but do you really have a grocery shopping strategy? Here are some supermarket tips and secrets that will make you a savvy shopper.
Approach grocery shopping like a job. You need to have a plan (take a list) and a budget to make the best use of your time and money.
Stick to a time schedule. Shop for what you need and get out. It is said that if you’re in the store more than 30 minutes, you’ll spend an extra 50 cents to $1 per minute as you walk the aisles.
Shop alone. Real Simple Magazine says parents will spend 10-40 percent more if they take their kids along. It might be worth it to hire a babysitter!
Only buy “food” at a grocery store. Generally, you’re better off buying toiletries, cleaning supplies and pet food at a big-box discount store.
Know the floor plan. Shop the perimeter first for fresh fruits and vegetables, protein and milk. You’ll find some good buys in the center aisles, but you’ll also be tempted by items like frozen convenience foods.
Don’t assume everything on sale is a bargain. Stores often display “sale” items at the end of the aisles. Manufacturers pay to have their products put there so they aren’t necessarily a good deal.
Check “price per unit.” Sometimes it’s cheaper per unit to buy two smaller items than it is to buy one supersize package.
Look high and low. Stores often place higher-priced items at eye level (brands pay for the space). Check prices on the top and bottom shelves.
Pay attention at checkout. Shoppers lose up to $3 billion a year on scanner mistakes (current sale prices not reflected
Approach grocery shopping like a job. You need to have a plan (take a list) and a budget to make the best use of your time and money.
Stick to a time schedule. Shop for what you need and get out. It is said that if you’re in the store more than 30 minutes, you’ll spend an extra 50 cents to $1 per minute as you walk the aisles.
Shop alone. Real Simple Magazine says parents will spend 10-40 percent more if they take their kids along. It might be worth it to hire a babysitter!
Only buy “food” at a grocery store. Generally, you’re better off buying toiletries, cleaning supplies and pet food at a big-box discount store.
Know the floor plan. Shop the perimeter first for fresh fruits and vegetables, protein and milk. You’ll find some good buys in the center aisles, but you’ll also be tempted by items like frozen convenience foods.
Don’t assume everything on sale is a bargain. Stores often display “sale” items at the end of the aisles. Manufacturers pay to have their products put there so they aren’t necessarily a good deal.
Check “price per unit.” Sometimes it’s cheaper per unit to buy two smaller items than it is to buy one supersize package.
Look high and low. Stores often place higher-priced items at eye level (brands pay for the space). Check prices on the top and bottom shelves.
Pay attention at checkout. Shoppers lose up to $3 billion a year on scanner mistakes (current sale prices not reflected
Wednesday, February 2, 2011
Go Ahead and Google 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.
Tuesday, February 1, 2011
How to Get the Best Deal From Your Contractor
Q. We’re getting ready to remodel our home. What’s the best way to find a reputable contractor without being taken to the cleaners?
Complaints about home improvement contractors are one of the most frequent grievances received by the Better Business Bureau and the office of state attorneys general. So you are wise to ask this question. Here are five ways you can improve your chances of finding a reputable contractor:
1. Get referrals from other building professionals. Ask professionals who you know. For example, ask your plumber, roofer, painter for recommendations. Since they work with other contractors on other jobs, they know who’s good and who is not.
2. Get references. Get three customer references from the contractor for similar projects that were completed in the past two years. Check these references carefully, and maybe even see the work that was done. Ask them if they would hire the contractor again.
3. Check the contractor’s license, insurance, and permits. Make sure they are in order. Contact the Registrar of Contractors in your area.
4. Get a written cost estimate with specific details, schedule, and the projected completion date.
If you’re thinking of buying or selling a home and need competent and caring representation, please call me at 206-226-0565.
Complaints about home improvement contractors are one of the most frequent grievances received by the Better Business Bureau and the office of state attorneys general. So you are wise to ask this question. Here are five ways you can improve your chances of finding a reputable contractor:
1. Get referrals from other building professionals. Ask professionals who you know. For example, ask your plumber, roofer, painter for recommendations. Since they work with other contractors on other jobs, they know who’s good and who is not.
2. Get references. Get three customer references from the contractor for similar projects that were completed in the past two years. Check these references carefully, and maybe even see the work that was done. Ask them if they would hire the contractor again.
3. Check the contractor’s license, insurance, and permits. Make sure they are in order. Contact the Registrar of Contractors in your area.
4. Get a written cost estimate with specific details, schedule, and the projected completion date.
If you’re thinking of buying or selling a home and need competent and caring representation, please call me at 206-226-0565.
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