Q. What Are The Remodeling Trends For 2011?
A. Obviously, your return on investment depends on where you live. But according to Remodeling Magazine’s “2010-2011 Cost vs. Value report,” which compiles results from members of the National Association of REALTORS® in 80 cities, the trend is toward small-scale projects and replacements.
There’s no doubt that curb appeal helps sell homes. You can improve your home’s exterior without spending a great deal of money by adding a deck, replacing a lawn or enhancing the entranceway.
Because of all the government incentives available, it also makes sense to make any improvements that add to your home’s energy efficiency. For example, you can get a federal tax credit for 30 percent of the cost (up to $1,500) for installing certain products such as energy-efficient windows, insulation, roofing, and heating and cooling equipment. Go to www.energystar.gov for details.
Prospective home buyers continue to look for improvements to kitchens and bathrooms. Instead of a high-end remodel, more people are choosing moderately priced upgrades that will improve their chances of a sale.
If you have any questions, or need capable and trustworthy representation, please call me at 206-226-0565.
Wednesday, March 30, 2011
Tuesday, March 29, 2011
Five Spices To Boost Your Brain
By “spicing up” your life, you can be helping your brain. Recent studies have shown that spicy food can preserve brain function and help prevent disease. Add these five tasty spices to your diet to reap the benefits:
Turmeric. Called the “ultimate health spice,” turmeric contains curcumin and is an ingredient in curry. Studies have shown that it may help prevent Alzheimer’s and lessen the pain of rheumatoid arthritis. Sprinkle it on your broccoli or mix a spoonful in a warm glass of water and drink it down.
Ginger. This spice may make you smarter if combined with ginkgo biloba. It also may help treat Parkinson’s disease and migraine headaches. Try drinking it as a hot tea.
Garlic. You already love this one, but did you know it increases blood flow to the brain? In a 2007 study, garlic helped fight brain cancer cells.
Saffron. A saffron extract has been found to be effective in treating people with depression.
Cinnamon. Eating it helps with blood sugar control, but just smelling it boosts brain activity. It also speeds the way your brain processes visual cues. Chew some cinnamon gum before your next bike ride.
Turmeric. Called the “ultimate health spice,” turmeric contains curcumin and is an ingredient in curry. Studies have shown that it may help prevent Alzheimer’s and lessen the pain of rheumatoid arthritis. Sprinkle it on your broccoli or mix a spoonful in a warm glass of water and drink it down.
Ginger. This spice may make you smarter if combined with ginkgo biloba. It also may help treat Parkinson’s disease and migraine headaches. Try drinking it as a hot tea.
Garlic. You already love this one, but did you know it increases blood flow to the brain? In a 2007 study, garlic helped fight brain cancer cells.
Saffron. A saffron extract has been found to be effective in treating people with depression.
Cinnamon. Eating it helps with blood sugar control, but just smelling it boosts brain activity. It also speeds the way your brain processes visual cues. Chew some cinnamon gum before your next bike ride.
Monday, March 28, 2011
Keys to Investing in Real Estate
Q. My wife and I are interested in investing in real estate. What should we know before we jump in and put down our money?
A. Investing in real estate can be a very profitable investment, but there are a few things you should know.
• Financing investment properties may have a higher interest rate than in a home where you reside. You also may be required by the lending institution to have a larger down payment.
• The secret to making money is to buy right. Choose a property that will appreciate over time. You want to buy an “average” home in a very strong neighborhood or area – then improve the property. Be particularly careful about the location of the property, and any future changes to the area.
• If you are handy at making repairs, and available to make them, buying a fix-up property can be profitable. Make sure you choose a neighborhood where the houses are well-maintained at a higher value.
• Lastly, you’ll need to become knowledgeable about landlord tenant legal issues whether you lease the property yourself, or enlist a management company to handle your property.
If you have any questions, or if you are buying or selling a home and need competent and caring representation, please call me at 206-226-0565.
A. Investing in real estate can be a very profitable investment, but there are a few things you should know.
• Financing investment properties may have a higher interest rate than in a home where you reside. You also may be required by the lending institution to have a larger down payment.
• The secret to making money is to buy right. Choose a property that will appreciate over time. You want to buy an “average” home in a very strong neighborhood or area – then improve the property. Be particularly careful about the location of the property, and any future changes to the area.
• If you are handy at making repairs, and available to make them, buying a fix-up property can be profitable. Make sure you choose a neighborhood where the houses are well-maintained at a higher value.
• Lastly, you’ll need to become knowledgeable about landlord tenant legal issues whether you lease the property yourself, or enlist a management company to handle your property.
If you have any questions, or if you are buying or selling a home and need competent and caring representation, please call me at 206-226-0565.
Sunday, March 27, 2011
Learn the Art of Small Talk
Making Small Talk
Have you ever found yourself at a meeting or social event and been at a loss for words? Making small talk isn’t random. It follows a formula, says Bernardo Carducci, author of The Pocket Guide to Making Successful Small Talk. Carducci says you can anticipate where the conversation is going and plan ahead. Here are some tips to follow:
Look for someone not talking with a group and use a simple opening line, “This appetizer (food) is great!” Or, mention something about the building or room. Then introduce yourself.
If a conversation stalls, you can restart it with a compliment. “That’s a great suit (tie, jewelry, color of clothing), you’re wearing.”
If there’s someone you want to talk to (but they’re talking in a group), meander over, introduce yourself to others in the group and soon enough you’ll be able to talk directly with that person.
Have you ever found yourself at a meeting or social event and been at a loss for words? Making small talk isn’t random. It follows a formula, says Bernardo Carducci, author of The Pocket Guide to Making Successful Small Talk. Carducci says you can anticipate where the conversation is going and plan ahead. Here are some tips to follow:
Look for someone not talking with a group and use a simple opening line, “This appetizer (food) is great!” Or, mention something about the building or room. Then introduce yourself.
If a conversation stalls, you can restart it with a compliment. “That’s a great suit (tie, jewelry, color of clothing), you’re wearing.”
If there’s someone you want to talk to (but they’re talking in a group), meander over, introduce yourself to others in the group and soon enough you’ll be able to talk directly with that person.
Saturday, March 26, 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.
Wednesday, March 23, 2011
Teaching Kids Life Skills
Teaching kids how to approach and solve life’s challenges is one of the biggest jobs parents face. Here are a few tips to help your children (or grandchildren) grow into self-sufficient and responsible adults:
• Teach Kids To Look For Solutions. When kids are faced with a problem, have them identify several options and solutions. Then you can help them choose which solution works best.
• Teach Kids Responsibility: Let kids know they are responsible for their actions. They have to do their homework, but you can offer them two “positive choice” options: Do you want to do it in 15 minutes or 30 minutes? Teach them how to organize, and give them the tools to stay organized (calendar, palm pilot, notebook).
• Teach Kids How To Make Good Choices. Giving kids choices empowers them to make their own decisions. Have them weigh the pros and cons of their choice, and let them make the decisions.
• Teach Kids How To Deal with Failure. Teach your children that failure is not personal, permanent, or pervasive (i.e. losing a soccer game doesn’t mean you’re bad at other things as well). Developing a positive explanatory style early in life will help your children live a happier, healthier and more successful adult life.
• Teach Kids To Look For Solutions. When kids are faced with a problem, have them identify several options and solutions. Then you can help them choose which solution works best.
• Teach Kids Responsibility: Let kids know they are responsible for their actions. They have to do their homework, but you can offer them two “positive choice” options: Do you want to do it in 15 minutes or 30 minutes? Teach them how to organize, and give them the tools to stay organized (calendar, palm pilot, notebook).
• Teach Kids How To Make Good Choices. Giving kids choices empowers them to make their own decisions. Have them weigh the pros and cons of their choice, and let them make the decisions.
• Teach Kids How To Deal with Failure. Teach your children that failure is not personal, permanent, or pervasive (i.e. losing a soccer game doesn’t mean you’re bad at other things as well). Developing a positive explanatory style early in life will help your children live a happier, healthier and more successful adult life.
Tuesday, March 22, 2011
Dig Deeper For A More Effective Internet Search
If you’re only using traditional internet search engines to look for specific information, you may just be scratching the surface. You can expand your search and get more of the information you need by accessing the “Deep Web,” a vast amount of content in searchable databases that can only be accessed by direct query. Here’s how to get to this data:
• Use a specific site’s search engine. Google, for example, will not find all the information in the Library of Congress web pages (and if it did, it would bog everyone down). Instead, do your search on the Library of Congress web site directly at: www.loc.gov.
• Add the word “database” to your regular search. For example, if you’re searching Yahoo for information on toxic chemicals, you may find more specifics by searching “toxic chemicals database.”
• Use a “Deep Web” subject-focused search engine or directory. Traditional search engines are working on accessing all this data (Google Scholar already searches scholarly literature, books and reports) but, in the meantime, try a site such as www.completeplanet.com, which captures more than 70,000 searchable databases.
There are many specialty search engines. To name a few, check out www.pubmed.gov for health and medical information; the Librarians' Internet Index at www.ipl.org, a collaborative research directory; or www.artcyclopedia.com, which lists 9,000 artists and 2,600 art sites.
• Get a library card. Many public libraries offer access to research databases for users with a library card (some of these databases are subscription only or password protected). Some city or county Public Libraries, for example, subscribe to services you can access through your home computer such as NetLibrary eAudiobooks, Film and Television Literature Index, Computer Source and Consumer Health Complete.
• Use a specific site’s search engine. Google, for example, will not find all the information in the Library of Congress web pages (and if it did, it would bog everyone down). Instead, do your search on the Library of Congress web site directly at: www.loc.gov.
• Add the word “database” to your regular search. For example, if you’re searching Yahoo for information on toxic chemicals, you may find more specifics by searching “toxic chemicals database.”
• Use a “Deep Web” subject-focused search engine or directory. Traditional search engines are working on accessing all this data (Google Scholar already searches scholarly literature, books and reports) but, in the meantime, try a site such as www.completeplanet.com, which captures more than 70,000 searchable databases.
There are many specialty search engines. To name a few, check out www.pubmed.gov for health and medical information; the Librarians' Internet Index at www.ipl.org, a collaborative research directory; or www.artcyclopedia.com, which lists 9,000 artists and 2,600 art sites.
• Get a library card. Many public libraries offer access to research databases for users with a library card (some of these databases are subscription only or password protected). Some city or county Public Libraries, for example, subscribe to services you can access through your home computer such as NetLibrary eAudiobooks, Film and Television Literature Index, Computer Source and Consumer Health Complete.
Monday, March 21, 2011
How to Get Help With Your Mortgage
Q. I’m in trouble with my mortgage. How can I get help?
A. If you don’t know where to turn for reliable answers or need to sort through your options, turn to these experts for advice:
1. Your REALTOR® can determine the current value of your home and review your options if you owe more than the home is worth. Knowledgeable agents can also explain more about government programs available today.
2. A Foreclosure Counselor will help you evaluate your current financial situation by reviewing your monthly expenses and income. They can also identify assistance programs and serve as an advocate with your bank, free of charge.
3. A Tax Expert may be needed if you decide to do a short sale or deed in lieu of foreclosure as forgiveness of debt is sometimes considered taxable income.
4. A Credit Counselor can help develop a plan to avoid future financial difficulty and work to repair your credit score if you’ve already missed payments.
5. An Attorney can help if your lender has filed a foreclosure lawsuit. They can review the lender’s paperwork and see if the loan servicing company made a mistake in applying payments or assessing fees.
If you have any questions, or need capable and trustworthy representation, please call me at 206-226-0565.
A. If you don’t know where to turn for reliable answers or need to sort through your options, turn to these experts for advice:
1. Your REALTOR® can determine the current value of your home and review your options if you owe more than the home is worth. Knowledgeable agents can also explain more about government programs available today.
2. A Foreclosure Counselor will help you evaluate your current financial situation by reviewing your monthly expenses and income. They can also identify assistance programs and serve as an advocate with your bank, free of charge.
3. A Tax Expert may be needed if you decide to do a short sale or deed in lieu of foreclosure as forgiveness of debt is sometimes considered taxable income.
4. A Credit Counselor can help develop a plan to avoid future financial difficulty and work to repair your credit score if you’ve already missed payments.
5. An Attorney can help if your lender has filed a foreclosure lawsuit. They can review the lender’s paperwork and see if the loan servicing company made a mistake in applying payments or assessing fees.
If you have any questions, or need capable and trustworthy representation, please call me at 206-226-0565.
Saturday, March 19, 2011
Read These Labels To Become a Smarter Shopper
Consumers should be able to make better buying decisions in the coming months, thanks to two new voluntary labels that will appear on U.S. products:
“Nutrition Keys.” This icon will summarize important nutrition information from the Nutrition Facts Label and put it on the front of the package. It will display calories, saturated fat, sodium and sugar per serving and say how each serving contributes to overall diet based on recommended daily nutrition intake (expressed as “percent of daily value”). Other nutrients that may appear on some products are potassium, fiber, vitamin A, vitamin C, vitamin D, calcium, iron and protein. To see what this looks like, go to www.gmaonline.org.
“USDA Certified Biobased Product” seal. This will identify products made from renewable resources composed wholly or significantly of biological ingredients – renewable plant, animal, marine or forestry materials. As products get certified, you’ll start seeing it on everything from trash bags and cleaning supplies to skin care products. The USDA hopes the seal will give the same consumer boost to biobased products as Energy Star did to energy-efficient appliances. See an example of the seal at www.biopreferred.gov.
But wait – there’s more! The Department of Agriculture announced that nutrition labels will be required on meat and poultry beginning Jan.1, 2012. The labels will list calories, calories from fat, total fat, saturated fat, cholesterol, sodium, protein and vitamins for 40 commonly purchased cuts of beef, poultry, pork and lamb.
Still to come: Requirements for chain restaurants and vending machine operators to post calorie information. Some restaurants (such as Subway) already make the information available
“Nutrition Keys.” This icon will summarize important nutrition information from the Nutrition Facts Label and put it on the front of the package. It will display calories, saturated fat, sodium and sugar per serving and say how each serving contributes to overall diet based on recommended daily nutrition intake (expressed as “percent of daily value”). Other nutrients that may appear on some products are potassium, fiber, vitamin A, vitamin C, vitamin D, calcium, iron and protein. To see what this looks like, go to www.gmaonline.org.
“USDA Certified Biobased Product” seal. This will identify products made from renewable resources composed wholly or significantly of biological ingredients – renewable plant, animal, marine or forestry materials. As products get certified, you’ll start seeing it on everything from trash bags and cleaning supplies to skin care products. The USDA hopes the seal will give the same consumer boost to biobased products as Energy Star did to energy-efficient appliances. See an example of the seal at www.biopreferred.gov.
But wait – there’s more! The Department of Agriculture announced that nutrition labels will be required on meat and poultry beginning Jan.1, 2012. The labels will list calories, calories from fat, total fat, saturated fat, cholesterol, sodium, protein and vitamins for 40 commonly purchased cuts of beef, poultry, pork and lamb.
Still to come: Requirements for chain restaurants and vending machine operators to post calorie information. Some restaurants (such as Subway) already make the information available
Friday, March 18, 2011
Have You Had This Vaccination?
Vaccinations aren’t just about you, they’re also about protecting young, vulnerable children you may encounter. With the number of cases of pertussis (whooping cough) rising, the Centers For Disease Control and Prevention have updated their vaccination recommendations.
All adults need a one-time dose of the Tdap vaccine that protects against tetanus (lockjaw), diphtheria and pertussis. Pertussis is a highly contagious respiratory disease that commonly affects infants and young children and can be fatal, especially in babies less than 1 year old.
Since tetanus immunity decreases over time, you also need to get a booster every 10 years. If you’re due for one, ask for the Tdap vaccine instead. Getting the Tdap is especially important for families with infants, child caregivers and adults over 65 who may be around infants. It’s also recommended for adolescents who haven’t had a booster shot.
Adults also can get immunizations to protect again other vaccine-preventable diseases such as shingles, seasonal flu, pneumonia and human
papillomavirus. Talk to your doctor about what you might need.
All adults need a one-time dose of the Tdap vaccine that protects against tetanus (lockjaw), diphtheria and pertussis. Pertussis is a highly contagious respiratory disease that commonly affects infants and young children and can be fatal, especially in babies less than 1 year old.
Since tetanus immunity decreases over time, you also need to get a booster every 10 years. If you’re due for one, ask for the Tdap vaccine instead. Getting the Tdap is especially important for families with infants, child caregivers and adults over 65 who may be around infants. It’s also recommended for adolescents who haven’t had a booster shot.
Adults also can get immunizations to protect again other vaccine-preventable diseases such as shingles, seasonal flu, pneumonia and human
papillomavirus. Talk to your doctor about what you might need.
Thursday, March 17, 2011
Stay Connected: Start A Family Blog
You don’t have time to send e-mails, much less cards, letters and photos to keep your family in the loop. You can use Facebook, but why not create your own blog? It’s easy, fun and you can do it as an individual or a group.
To get started, check out some of the free blogging hosts, such as www.wordpress.com, www.livejournal.com or www.blogger.com. Each one has templates, instructions and features like custom privacy settings and ability to post from your mobile phone. You can upgrade to a paid account later, if you need advanced features.
Here are some keys to success from experienced bloggers:
Keep posts short and to the point (300 words or less).
Include lots of photos (make sure to size them correctly).
Don’t use it to vent (unless it’s entertaining).
Set a date in your calendar so it’s updated monthly (or weekly).
Another plus: You can even publish your blog as a book once a year!
To get started, check out some of the free blogging hosts, such as www.wordpress.com, www.livejournal.com or www.blogger.com. Each one has templates, instructions and features like custom privacy settings and ability to post from your mobile phone. You can upgrade to a paid account later, if you need advanced features.
Here are some keys to success from experienced bloggers:
Keep posts short and to the point (300 words or less).
Include lots of photos (make sure to size them correctly).
Don’t use it to vent (unless it’s entertaining).
Set a date in your calendar so it’s updated monthly (or weekly).
Another plus: You can even publish your blog as a book once a year!
Wednesday, March 16, 2011
Spring Scam Alert!
Ah Spring! When thoughts turn to vacation planning, home improvement and even spring cleaning. Unfortunately, it’s also time for scammers to take advantage of those thoughts. You think you won’t be a victim, but you’d be surprised how many people get caught off guard by these seasonal scams:
“You’re eligible for a free vacation.” You get a letter saying you could have a free vacation if you give a credit card number to pay for a deposit. It may look authentic (scammers copy company logos) but it may be a come-on for a bogus vacation club. Here’s a tipoff: you’re told to call a number that starts with 876, 868, 809, 758, 784, 664, 473, 441, 284 or 246. These are for Caribbean countries and Bermuda; chances are you’ll be on hold a long time.
“This rental could be yours.” Scammers write phony ads (using real pictures they’ve copied from other sites) to get you to sign up for luxurious rental properties. Don’t do the wire transfer they ask for. Instead, contact a travel agent or local real estate agent or use a web site that you have verified is legitimate (try one like www.homeaway.com).
“We were in the neighborhood.” You know those people who knock at your door and say they noticed your gutters need cleaning or your yard needs work? While that may be true, these people may not do the job properly. Check with the Better Business Bureau, go to a site like Angie’s List or ask friends for references before you sign up for home improvement work.
“We’re from the power company.” These scammers may ask if you want a free energy audit. They may even have IDs (anyone can print their own now). Beware of pairs – one diverts your attention while the other steals your stuff. Utility companies usually tell you in advance; call them immediately.
“Your grandson needs help.” AARP warns seniors about that call that says your grandchild has been arrested or hospitalized while on Spring break and needs money. Scammers get the names from social networking sites. The caller may claim to be a lawyer or police officer. Take the number and do an internet search. Better yet, call your grandchild directly.
“You’re eligible for a free vacation.” You get a letter saying you could have a free vacation if you give a credit card number to pay for a deposit. It may look authentic (scammers copy company logos) but it may be a come-on for a bogus vacation club. Here’s a tipoff: you’re told to call a number that starts with 876, 868, 809, 758, 784, 664, 473, 441, 284 or 246. These are for Caribbean countries and Bermuda; chances are you’ll be on hold a long time.
“This rental could be yours.” Scammers write phony ads (using real pictures they’ve copied from other sites) to get you to sign up for luxurious rental properties. Don’t do the wire transfer they ask for. Instead, contact a travel agent or local real estate agent or use a web site that you have verified is legitimate (try one like www.homeaway.com).
“We were in the neighborhood.” You know those people who knock at your door and say they noticed your gutters need cleaning or your yard needs work? While that may be true, these people may not do the job properly. Check with the Better Business Bureau, go to a site like Angie’s List or ask friends for references before you sign up for home improvement work.
“We’re from the power company.” These scammers may ask if you want a free energy audit. They may even have IDs (anyone can print their own now). Beware of pairs – one diverts your attention while the other steals your stuff. Utility companies usually tell you in advance; call them immediately.
“Your grandson needs help.” AARP warns seniors about that call that says your grandchild has been arrested or hospitalized while on Spring break and needs money. Scammers get the names from social networking sites. The caller may claim to be a lawyer or police officer. Take the number and do an internet search. Better yet, call your grandchild directly.
Tuesday, March 15, 2011
What is Your Personal Heart Score
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.
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.
Monday, March 14, 2011
Millionaires Secrets
7 Secrets to Wealth-Building
by TRUE Millionaires
The tech boom and the stock market “bubble” of the 1990s have come and gone like a bright, shining dream. And visions of “instant millionaires” created by stock options and killer web sites have all but evaporated. So what really defines being “wealthy” in the 21st century and who has it…for real?
Thomas J. Stanley, author of the bestseller “The Millionaire Next Door,” interviewed 1,000 millionaires to find out what traits, attributes, and habits they have in common.
Stanley sorted through the “showboat” wealthy (those living affluent lifestyles but actually burdened with debt) to find the genuine “balance sheet” millionaires—those with solid assets between $2 and $5 million. And what he found is that the basic rules for creating and keeping wealth are still driven by old-fashioned, common sense values. Here are seven key factors that make a “real” millionaire:
1. They started their own business and acquired wealth by finding a profitable niche in the market. They also love what they do for a living, and are motivated by building a business—not by amassing wealth for its own sake.
2. “Real” millionaires live comfortable lifestyles, but they are not extravagant or wasteful. On the average, they live in homes valued at $350,000 and drive mid-priced cars.
3. They stay married to responsible, stable spouses who run tight, efficient households. Their mates clip coupons, buy household items in bulk, and keep track of the household expenses.
4. They spend less than they earn, and follow a savings plan as a life-long habit.
5. TRUE millionaires do not speculate when it comes to investments. Once their businesses have reached maturity, they invest wisely to grow capital. They rarely visit a casino to gamble, and almost never buy lottery tickets.
6. Most of the millionaires were average students who had little encouragement to succeed in life. They developed leadership skills through sports and nurtured determination and a will to succeed—on their own.
7. Two strong characteristics the TRUE millionaires all had in common were an unwavering belief in themselves and their abilities. They dared to think differently from the crowd!
by TRUE Millionaires
The tech boom and the stock market “bubble” of the 1990s have come and gone like a bright, shining dream. And visions of “instant millionaires” created by stock options and killer web sites have all but evaporated. So what really defines being “wealthy” in the 21st century and who has it…for real?
Thomas J. Stanley, author of the bestseller “The Millionaire Next Door,” interviewed 1,000 millionaires to find out what traits, attributes, and habits they have in common.
Stanley sorted through the “showboat” wealthy (those living affluent lifestyles but actually burdened with debt) to find the genuine “balance sheet” millionaires—those with solid assets between $2 and $5 million. And what he found is that the basic rules for creating and keeping wealth are still driven by old-fashioned, common sense values. Here are seven key factors that make a “real” millionaire:
1. They started their own business and acquired wealth by finding a profitable niche in the market. They also love what they do for a living, and are motivated by building a business—not by amassing wealth for its own sake.
2. “Real” millionaires live comfortable lifestyles, but they are not extravagant or wasteful. On the average, they live in homes valued at $350,000 and drive mid-priced cars.
3. They stay married to responsible, stable spouses who run tight, efficient households. Their mates clip coupons, buy household items in bulk, and keep track of the household expenses.
4. They spend less than they earn, and follow a savings plan as a life-long habit.
5. TRUE millionaires do not speculate when it comes to investments. Once their businesses have reached maturity, they invest wisely to grow capital. They rarely visit a casino to gamble, and almost never buy lottery tickets.
6. Most of the millionaires were average students who had little encouragement to succeed in life. They developed leadership skills through sports and nurtured determination and a will to succeed—on their own.
7. Two strong characteristics the TRUE millionaires all had in common were an unwavering belief in themselves and their abilities. They dared to think differently from the crowd!
Sunday, March 13, 2011
Is a Pest Inspection a Good Idea?
Q. We are taking the first steps in getting our home ready for sale. Our REALTOR® says we need to have a pest inspection. Is this really necessary?
A. Most states (especially in regions prone to termite infestation) will require that the seller or buyer obtain a Wood-Destroying Insect Report. Termites can devastate a dwelling to the point it needs to be demolished. It’s best to get the report from an independent, reputable expert rather than the company that treats homes for termite problems. A termite problem is not always visible and a trained entomologist (insect specialist) may be needed to spot evidence of termite nests and activity.
Hire only experienced, licensed, and insured exterminators. There are freelancers out there who are not properly trained to apply chemicals. (This could easily damage your home and your health!) Avoid any company that offers a contract containing a disclaimer against water damage. This is an “out” if their treatments aren’t effective, because termites need a 98 percent humidity level to thrive and survive. Moisture and termites go hand-in-hand and only a thorough extermination will get them.
Check with your local Better Business Bureau for reputable exterminators. Americans spend $4.5 billion a year on termite extermination and 2 billion to repair termite damage. The right exterminator could save your home and avoid extensive repairs. Here are some tips on hiring exterminators.
1. Ask someone you trust for a reference (your agent is a great place to start!).
2. Find out if the company belongs to a national, state, or local pest control association.
3. Ask the company exactly what the pest is, what treatments are needed, and how long it will take before they go to work.
4. Thoroughly read and understand the company’s guarantee.
5. Expect to pay for a good extermination job. Go by value and not price.
A. Most states (especially in regions prone to termite infestation) will require that the seller or buyer obtain a Wood-Destroying Insect Report. Termites can devastate a dwelling to the point it needs to be demolished. It’s best to get the report from an independent, reputable expert rather than the company that treats homes for termite problems. A termite problem is not always visible and a trained entomologist (insect specialist) may be needed to spot evidence of termite nests and activity.
Hire only experienced, licensed, and insured exterminators. There are freelancers out there who are not properly trained to apply chemicals. (This could easily damage your home and your health!) Avoid any company that offers a contract containing a disclaimer against water damage. This is an “out” if their treatments aren’t effective, because termites need a 98 percent humidity level to thrive and survive. Moisture and termites go hand-in-hand and only a thorough extermination will get them.
Check with your local Better Business Bureau for reputable exterminators. Americans spend $4.5 billion a year on termite extermination and 2 billion to repair termite damage. The right exterminator could save your home and avoid extensive repairs. Here are some tips on hiring exterminators.
1. Ask someone you trust for a reference (your agent is a great place to start!).
2. Find out if the company belongs to a national, state, or local pest control association.
3. Ask the company exactly what the pest is, what treatments are needed, and how long it will take before they go to work.
4. Thoroughly read and understand the company’s guarantee.
5. Expect to pay for a good extermination job. Go by value and not price.
Saturday, March 12, 2011
How To Boost Your Brain Power
Have you lost your keys lately? Have you recently put something down, and now you can’t find it? Or, maybe you just want to be more efficient and productive at work. Well now there are some new herbal products available at your local health food store that can increase oxygen and glucose to the brain—triggering more brain power!
1. Bacopa (Bacopa Monnieri) – Rich in antioxidants, this herb has been found to improve memory and information processing.
2. Cordyceps (Cordyceps Sinensis) – Cordyceps has been used to treat exhaustion, weakness, poor sexual appetite, and aging. It has been shown to help the adrenals function better and stimulate the liver to release stored energy in the form of glucose.
3. Periwinkle (Vinca Minor, sold as vinpocetine) – Periwinkle is a European herb that delivers more blood to the brain and acts as a powerful free-radical destroyer. It may prevent senility and dementia.
1. Bacopa (Bacopa Monnieri) – Rich in antioxidants, this herb has been found to improve memory and information processing.
2. Cordyceps (Cordyceps Sinensis) – Cordyceps has been used to treat exhaustion, weakness, poor sexual appetite, and aging. It has been shown to help the adrenals function better and stimulate the liver to release stored energy in the form of glucose.
3. Periwinkle (Vinca Minor, sold as vinpocetine) – Periwinkle is a European herb that delivers more blood to the brain and acts as a powerful free-radical destroyer. It may prevent senility and dementia.
Friday, March 11, 2011
Want to Live a Longer Life? Make Friends!!
Friends—The Key To A Longer Life
According to Harvard’s School of Public Health, men who have lots of friends, social contacts, and relatives live longer, more satisfying lives. In a study of 28,000 men in their early 40s to late 70s, researchers found that men who were socially isolated loners were 20 percent more likely to die prematurely. The socially isolated group also was 53 percent more likely to die from heart related diseases and stroke. Unmarried men included in the study had markedly higher death rates than married men with a strong family support system did.
It appears that making friends and nurturing social relationships not only will make you healthier, but it could make you a lot happier too!
According to Harvard’s School of Public Health, men who have lots of friends, social contacts, and relatives live longer, more satisfying lives. In a study of 28,000 men in their early 40s to late 70s, researchers found that men who were socially isolated loners were 20 percent more likely to die prematurely. The socially isolated group also was 53 percent more likely to die from heart related diseases and stroke. Unmarried men included in the study had markedly higher death rates than married men with a strong family support system did.
It appears that making friends and nurturing social relationships not only will make you healthier, but it could make you a lot happier too!
Thursday, March 10, 2011
Who’s Checking Your Credit?
Here’s another reason you should order a copy of your credit report every year. Because lots of other people are looking at it! The Fair Credit Reporting Act says a company must have a legitimate reason to do so. Here are some of the people who might:
Lenders. A good credit score helps you qualify for the best rates on mortgages, car loans, credit cards, etc.
Insurers. Many home and auto insurers use your score to help determine your rates.
Landlords. They view your credit as a measure of your responsibility to pay bills on time.
Potential employers. With your consent, they can look at your score but they don’t get to see as many details as lenders.
Government agencies. They can only look at limited information.
When a business checks your credit report because you made an application for a credit card, loan or other service, a “Hard” inquiry gets recorded on your credit report. These inquiries impact your credit score. “Soft” inquiries (made by you or a business you already have an account with) do not affect your score.
You are entitled to order a free credit report from each of the three U.S. national credit bureaus every year. Make sure you go to the only source authorized by law at www.annualcreditreport.com.
Lenders. A good credit score helps you qualify for the best rates on mortgages, car loans, credit cards, etc.
Insurers. Many home and auto insurers use your score to help determine your rates.
Landlords. They view your credit as a measure of your responsibility to pay bills on time.
Potential employers. With your consent, they can look at your score but they don’t get to see as many details as lenders.
Government agencies. They can only look at limited information.
When a business checks your credit report because you made an application for a credit card, loan or other service, a “Hard” inquiry gets recorded on your credit report. These inquiries impact your credit score. “Soft” inquiries (made by you or a business you already have an account with) do not affect your score.
You are entitled to order a free credit report from each of the three U.S. national credit bureaus every year. Make sure you go to the only source authorized by law at www.annualcreditreport.com.
Wednesday, March 9, 2011
What Not To Say To Insurers
The last time you had a fender-bender did the words “I’m sorry” slip out of your mouth? Big mistake, even if you were. That phrase – which might imply that you were at fault – could put your claim at risk. Stick to the facts and talk to your own insurance company about what you should say to the other driver’s insurer. Here are four words to avoid that raise a red flag when speaking with insurance companies, according to Insure.com.
• “Flood.” Insurers specifically define this as water from a nearby lake, stream, river or other body of water. Flood damage is not covered under standard homeowners insurance so don’t use the word if a pipe broke and your basement has water in it, which may be covered.
• “Experimental.” Health insurance companies don’t tend to cover procedures in this category. You want to convey the fact that the treatment is proven and medically necessary.
• “Whiplash.” Don’t speculate about this injury until you’ve had a diagnosis. It’s a word that shouts “fraud” to many insurance companies.
• “In my opinion.” Insurance adjusters may try to get you to speculate about the cause of an accident (Driving too fast? Following too close?) Keep your opinions to yourself, or you may have to eat your words later.
• “Flood.” Insurers specifically define this as water from a nearby lake, stream, river or other body of water. Flood damage is not covered under standard homeowners insurance so don’t use the word if a pipe broke and your basement has water in it, which may be covered.
• “Experimental.” Health insurance companies don’t tend to cover procedures in this category. You want to convey the fact that the treatment is proven and medically necessary.
• “Whiplash.” Don’t speculate about this injury until you’ve had a diagnosis. It’s a word that shouts “fraud” to many insurance companies.
• “In my opinion.” Insurance adjusters may try to get you to speculate about the cause of an accident (Driving too fast? Following too close?) Keep your opinions to yourself, or you may have to eat your words later.
Tuesday, March 8, 2011
Dig Deeper For A More Effective Internet Search
If you’re only using traditional internet search engines to look for specific information, you may just be scratching the surface. You can expand your search and get more of the information you need by accessing the “Deep Web,” a vast amount of content in searchable databases that can only be accessed by direct query. Here’s how to get to this data:
• Use a specific site’s search engine. Google, for example, will not find all the information in the Library of Congress web pages (and if it did, it would bog everyone down). Instead, do your search on the Library of Congress web site directly at: www.loc.gov.
• Add the word “database” to your regular search. For example, if you’re searching Yahoo for information on toxic chemicals, you may find more specifics by searching “toxic chemicals database.”
• Use a “Deep Web” subject-focused search engine or directory. Traditional search engines are working on accessing all this data (Google Scholar already searches scholarly literature, books and reports) but, in the meantime, try a site such as www.completeplanet.com, which captures more than 70,000 searchable databases.
There are many specialty search engines. To name a few, check out www.pubmed.gov for health and medical information; the Librarians' Internet Index at www.ipl.org, a collaborative research directory; or www.artcyclopedia.com, which lists 9,000 artists and 2,600 art sites.
• Get a library card. Many public libraries offer access to research databases for users with a library card (some of these databases are subscription only or password protected). Some city or county Public Libraries, for example, subscribe to services you can access through your home computer such as NetLibrary eAudiobooks, Film and Television Literature Index, Computer Source and Consumer Health Complete.
• Use a specific site’s search engine. Google, for example, will not find all the information in the Library of Congress web pages (and if it did, it would bog everyone down). Instead, do your search on the Library of Congress web site directly at: www.loc.gov.
• Add the word “database” to your regular search. For example, if you’re searching Yahoo for information on toxic chemicals, you may find more specifics by searching “toxic chemicals database.”
• Use a “Deep Web” subject-focused search engine or directory. Traditional search engines are working on accessing all this data (Google Scholar already searches scholarly literature, books and reports) but, in the meantime, try a site such as www.completeplanet.com, which captures more than 70,000 searchable databases.
There are many specialty search engines. To name a few, check out www.pubmed.gov for health and medical information; the Librarians' Internet Index at www.ipl.org, a collaborative research directory; or www.artcyclopedia.com, which lists 9,000 artists and 2,600 art sites.
• Get a library card. Many public libraries offer access to research databases for users with a library card (some of these databases are subscription only or password protected). Some city or county Public Libraries, for example, subscribe to services you can access through your home computer such as NetLibrary eAudiobooks, Film and Television Literature Index, Computer Source and Consumer Health Complete.
Monday, March 7, 2011
What Food Manufacturers Don’t Want You To Know
If a product is advertised as “natural” and “organic,” it’s good for you, right? That’s not necessarily the case. While the U.S. Food & Drug Administration has taken some enforcement actions against companies, food labels still need improving. Don’t be fooled: Here’s what to look for to select the healthiest products for your family.
• “Zero trans fat.” That may be true but it could mean the product is high in saturated fat. Be sure to read the Nutrition Facts label for the full story.
• “Low calorie” or “Reduced fat.” Compared to what? Chances are the company has a previous, higher calorie version of the product.
• “Made with real fruit.” That may be in the form of a concentrate and the primary ingredient may be sugar. You’re better off eating an apple.
• “Natural.” This word isn’t regulated. To be sure a product is natural, buy from a local farmer or buy food that is certified organic by the USDA.
• Ingredient label tricks. Since ingredients are listed in order of their proportion in the product, the first three are what you’re primarily eating.
A manufacturer may use various sugars (sucrose, high-fructose corn
syrup, dextrose etc.) in the product so the word “sugar” isn’t listed first.
• Combining healthy ingredients. The actual amount of the healthy ingredients may put them at the end of the list. By combining them into a “blend” or “mix” they can make it to the top.
• “Yeast extract.” It’s a labeling trick to hide monosodium glutamate (MSG), which can cause side effects for people sensitive to this additive.
• Using the word “wheat.” All flour derived from wheat can be called “wheat flour,” even if it’s processed. The key is to look for “whole grain wheat flour” on the ingredient list to make sure you’re eating whole wheat.
• “Zero trans fat.” That may be true but it could mean the product is high in saturated fat. Be sure to read the Nutrition Facts label for the full story.
• “Low calorie” or “Reduced fat.” Compared to what? Chances are the company has a previous, higher calorie version of the product.
• “Made with real fruit.” That may be in the form of a concentrate and the primary ingredient may be sugar. You’re better off eating an apple.
• “Natural.” This word isn’t regulated. To be sure a product is natural, buy from a local farmer or buy food that is certified organic by the USDA.
• Ingredient label tricks. Since ingredients are listed in order of their proportion in the product, the first three are what you’re primarily eating.
A manufacturer may use various sugars (sucrose, high-fructose corn
syrup, dextrose etc.) in the product so the word “sugar” isn’t listed first.
• Combining healthy ingredients. The actual amount of the healthy ingredients may put them at the end of the list. By combining them into a “blend” or “mix” they can make it to the top.
• “Yeast extract.” It’s a labeling trick to hide monosodium glutamate (MSG), which can cause side effects for people sensitive to this additive.
• Using the word “wheat.” All flour derived from wheat can be called “wheat flour,” even if it’s processed. The key is to look for “whole grain wheat flour” on the ingredient list to make sure you’re eating whole wheat.
Sunday, March 6, 2011
Work to Make Correct Posture a Habit
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.
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.
Saturday, March 5, 2011
Daily Aspirin is NOT for Everyone
Will Aspirin Reduce Your
Risk Of A Heart Attack?
You may have seen emails going around that talk about heart attack symptoms and the use of aspirin. The answer to the above question is “it depends.” Here are the facts:
• Aspirin is a drug. Even though you can buy it over-the-counter at any drug store, aspirin is a drug that can mix badly with other medicines, vitamins or dietary supplements. If you’re already taking a medication or supplement to thin the blood, you should not add aspirin.
• It may not be for everyone. The risks of long-term use may be greater than the benefits if there are no signs of, or risk factors for, heart or blood vessel disease.
• Daily aspirin can be safest when prescribed by a medical professional. Aspirin has been known to help people who are living with some kinds of heart and blood vessel diseases. It can help prevent a heart attack or clot-related stroke by lowering the clotting action of the blood’s platelets. Your doctor, nurse or other health professional should decide if it’s right for you, depending on your health and medical history.
• Dosage matters. There are no directions on the label for using aspirin to reduce the risk of heart attack. You must discuss the different forms of aspirin products with your doctor. When you buy a product, check the “Drug Facts” label for “active ingredients: aspirin” or “acetylsalicylic acid” at the dose your doctor prescribes.
• If you feel symptoms of a heart attack or stroke, call 9-1-1 immediately. The operator, emergency medical technicians or Emergency Department physician will give you an aspirin if it's right for you. To study the warning signs (chest pain, discomfort in other areas of the upper body, shortness of breath), go to the American Heart Association website at www.americanheart.org.
Risk Of A Heart Attack?
You may have seen emails going around that talk about heart attack symptoms and the use of aspirin. The answer to the above question is “it depends.” Here are the facts:
• Aspirin is a drug. Even though you can buy it over-the-counter at any drug store, aspirin is a drug that can mix badly with other medicines, vitamins or dietary supplements. If you’re already taking a medication or supplement to thin the blood, you should not add aspirin.
• It may not be for everyone. The risks of long-term use may be greater than the benefits if there are no signs of, or risk factors for, heart or blood vessel disease.
• Daily aspirin can be safest when prescribed by a medical professional. Aspirin has been known to help people who are living with some kinds of heart and blood vessel diseases. It can help prevent a heart attack or clot-related stroke by lowering the clotting action of the blood’s platelets. Your doctor, nurse or other health professional should decide if it’s right for you, depending on your health and medical history.
• Dosage matters. There are no directions on the label for using aspirin to reduce the risk of heart attack. You must discuss the different forms of aspirin products with your doctor. When you buy a product, check the “Drug Facts” label for “active ingredients: aspirin” or “acetylsalicylic acid” at the dose your doctor prescribes.
• If you feel symptoms of a heart attack or stroke, call 9-1-1 immediately. The operator, emergency medical technicians or Emergency Department physician will give you an aspirin if it's right for you. To study the warning signs (chest pain, discomfort in other areas of the upper body, shortness of breath), go to the American Heart Association website at www.americanheart.org.
Friday, March 4, 2011
Home Inspections Can Save You Thousands
Q. We’re getting ready to purchase a home. What’s involved in a home inspection, and is it mandatory when buying a house?
A. A home inspection is not mandatory when you purchase a house, but I recommend that you have any home you’re planning on buying inspected by a licensed inspector. In fact, I’d insist upon it.
A home inspector has the training and expertise to provide an objective opinion about the condition of the home. The inspector will carefully examine the home’s structure, roof, plumbing, electrical wiring, heating and cooling system, and appliances. He or she will provide a written assessment of the house’s condition.
The inspection will tell you what repairs might need to be made before buying. The inspection can alert you to any serious problems the house may have—before you buy the house. There’s a period after a contract is accepted when you can have the inspection completed. Fees are paid to the inspector by the buyer.
If there are problems or repairs that need to made, you can request in writing during the specified period that these repairs be made as a condition of the sale. If you’re thinking of buying or selling a home and need competent and caring representation, please call me at 206-226-0565.
A. A home inspection is not mandatory when you purchase a house, but I recommend that you have any home you’re planning on buying inspected by a licensed inspector. In fact, I’d insist upon it.
A home inspector has the training and expertise to provide an objective opinion about the condition of the home. The inspector will carefully examine the home’s structure, roof, plumbing, electrical wiring, heating and cooling system, and appliances. He or she will provide a written assessment of the house’s condition.
The inspection will tell you what repairs might need to be made before buying. The inspection can alert you to any serious problems the house may have—before you buy the house. There’s a period after a contract is accepted when you can have the inspection completed. Fees are paid to the inspector by the buyer.
If there are problems or repairs that need to made, you can request in writing during the specified period that these repairs be made as a condition of the sale. If you’re thinking of buying or selling a home and need competent and caring representation, please call me at 206-226-0565.
Wednesday, March 2, 2011
Two Ways You Can Reduce Your Risk of Alzheimer’s Disease
Alzheimer’s research is a hot topic, and could have a big impact on your life. There’s an estimated 4.5 million cases in the U.S. reports the Alzheimer’s Association, and that number is growing. But there’s hope!
You may reduce your risk of Alzheimer’s disease by taking two important vitamins, according to the Alzheimer’s Association.
Vitamins C and E are the focus of many research studies, which indicate they may reduce your risk of Alzheimer’s disease. Researchers have found that antioxidants may absorb damaging free radicals in the brain and prevent cell damage.
A Johns Hopkins study found that people taking both Vitamins C and E were 64% less likely to develop Alzheimer’s disease four years later. The recommended daily doses for Vitamin C are 500 to 1,500 mg, and 400 to 1,000 IU of Vitamin E daily. Be sure you check with your doctor to determine which dose is best for you.
You may reduce your risk of Alzheimer’s disease by taking two important vitamins, according to the Alzheimer’s Association.
Vitamins C and E are the focus of many research studies, which indicate they may reduce your risk of Alzheimer’s disease. Researchers have found that antioxidants may absorb damaging free radicals in the brain and prevent cell damage.
A Johns Hopkins study found that people taking both Vitamins C and E were 64% less likely to develop Alzheimer’s disease four years later. The recommended daily doses for Vitamin C are 500 to 1,500 mg, and 400 to 1,000 IU of Vitamin E daily. Be sure you check with your doctor to determine which dose is best for you.
Tuesday, March 1, 2011
Could Owning a Pet Help You Live Longer?
What would you say if you could buy a medicine that lowered your blood pressure, improved your cardiovascular health, reduced your anxiety and stress, and made you happy...everyday. Would you buy it?
We know how much love and affection pets can bring to our lives, but there’s more. Scientific studies have found that having a pet can significantly improve your health. Here are five ways pets can positively impact your health:
1. Heart Benefits. The American Journal of Cardiology reports pet owners are more likely to survive a heart attack than those who don’t own a pet. Another study found people who owned a dog were more likely to be alive one year after a heart attack than those who didn’t have a dog.
2. Lower Blood Pressure. The National Institutes of Health (NIH) reports that pets help lower blood pressure (and heart rates). An American study found men who owned a cat had a lower resting heart rate and lower blood pressure than men who didn’t own a cat. And after a stressful event, their blood pressure returned to normal more quickly.
3. Mood Elevator. People, particularly seniors, who own pets are less likely to be depressed and lonely. Pets can provide companionship, humor, and add playfulness to our daily lives.
4. Kids and Health. Research presented at the 10th International Conference on Human Animal Interaction 2004 found that children who have pets have fewer sick days. They also reported that children who had pets had higher levels of self-esteem and functioned better emotionally. Research studies also found that children with pets coped better with divorce.
5. An Exercise Buddy. Dogs need regular exercise, which also gets their owners walking. This can improve their overall health. As an added benefit people improve their social network as they socialize their pet.
There is a word of caution, however. Owning a pet requires your time and a financial commitment. If you’re not ready for that responsibility, it’s best to hold off owning a pet.
We know how much love and affection pets can bring to our lives, but there’s more. Scientific studies have found that having a pet can significantly improve your health. Here are five ways pets can positively impact your health:
1. Heart Benefits. The American Journal of Cardiology reports pet owners are more likely to survive a heart attack than those who don’t own a pet. Another study found people who owned a dog were more likely to be alive one year after a heart attack than those who didn’t have a dog.
2. Lower Blood Pressure. The National Institutes of Health (NIH) reports that pets help lower blood pressure (and heart rates). An American study found men who owned a cat had a lower resting heart rate and lower blood pressure than men who didn’t own a cat. And after a stressful event, their blood pressure returned to normal more quickly.
3. Mood Elevator. People, particularly seniors, who own pets are less likely to be depressed and lonely. Pets can provide companionship, humor, and add playfulness to our daily lives.
4. Kids and Health. Research presented at the 10th International Conference on Human Animal Interaction 2004 found that children who have pets have fewer sick days. They also reported that children who had pets had higher levels of self-esteem and functioned better emotionally. Research studies also found that children with pets coped better with divorce.
5. An Exercise Buddy. Dogs need regular exercise, which also gets their owners walking. This can improve their overall health. As an added benefit people improve their social network as they socialize their pet.
There is a word of caution, however. Owning a pet requires your time and a financial commitment. If you’re not ready for that responsibility, it’s best to hold off owning a pet.
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