Five EASY Memory Boosters!

Have you misplaced your keys again? If you’re like most people, it’s an occasional annoyance. But if it’s happening more frequently than you’d like to admit, maybe it’s time for some memory boosters to help strengthen your mind. Here are five easy tips to improve your memory power: 1. Keep Items Where You’ll Need Them. Keep your keys by the front door; eye glasses in the same place everyday, and wallet/purse in the same location. 2. Keep A Notebook With A Calendar. Keep names, phone numbers, important dates, medical information, to do lists, and a notepad. Carry it with you (or carry a small notepad), so you can jot down information as needed. 3. Minimize Distractions. Focus on one thing at a time. Turn off the TV or radio when you need to focus your attention on a task. 4. Exercise Your Mind. Read, do crossword puzzles, play cards, chess, or a musical instrument to keep your mind active. Watch television shows like Jeopardy. 5. Take Care Of Your Body. Go for a walk, swim, or bicycle. It’ll clear your mind. And remember to eat a balanced diet and get enough rest!

5 Tips to Get Organized and get Things Done

Allen’s key idea is to start with a “mind sweep” ─ get everything out of your head and down on paper (or other written form). Once your mind is cleared, your productivity goes up and you can focus on creative action. His five basic stages of mastering your personal or professional “workflow” are: 1) Collect. Capture anything and everything that is on your mind. 2) Process. Decide what each thing means. Is it something you should do? Do it now or later? Can you delegate it (and track on a “Waiting For” list)? 3) Organize. Place the items in categories, such as Projects, Calendar, Next Actions and Waiting For, and sub-categories of your choice. (To help you visualize this, he includes a diagram for navigating through the processing and organizing phases of your workflow.) 4) Review. Go over Calendar and Action lists daily and do a weekly customized review to get clean and current. 5) Do. Make choices about your actions based on what you can do, how much time and energy you have and your priorities.

Who Needs Earnest Money to Buy?

Q. I am saving money to buy a home, but I’m not totally clear on what the term “earnest money” means. What is earnest money? A. First, let me commend you on saving money for a home. Buying a house is probably the most important purchase you’ll make in your lifetime – and having cash available gives you more options with your purchase. Earnest money is an important factor when you’re making an offer on a house. When you make an offer to purchase a house, the “earnest money” is the deposit that shows the buyer you are serious about the purchase. The money opens the escrow and can be applied to the buyers’ down payment or closing costs. The earnest money amount is negotiable. It typically varies depending on the price of the house and strength of the market. Generally, it’s recommended that your earnest money deposit be about two percent of your offered price. And although earnest money is not required by law in most states, it’s standard practice in real estate transactions. When the seller accepts your offer and earnest money, the property is taken off the market. In a hot real estate market, a large deposit may impress a seller enough so they will accept your offer instead of someone else’s. However, buyer beware…it can also put you at significant financial risk if for some reason the transaction runs into trouble not covered by a contingency in your purchase agreement. The Standard Offer And Purchase Contract stipulates under what conditions your earnest money will be returned if the contract fails. If you are in the market for a home and need competent and caring representation, please call!

Don’t let a COLD or FLU get to YOU this season!

The human body has many ways to naturally fight infection, but you need to give it all the help you can. Here’s how to boost your immunity and fight off those nasty germs:  Eat healthy food. Load up on fresh fruits and veggies like leafy greens. Avoid sugar because it can interfere with the enzymes you need to boost your immune system.  Supercharge your body. Your body can naturally kill a virus. So spring into action during the first 24 hours to combat illness. Once you feel a few symptoms, start drinking filtered water, broths, and soups with lots of garlic, onions, and spices. Take supplements like echinacea, vitamin C, and elderberry.  Breathe clean air. Avoid smoking, air pollutants, indoor dust, and ash from fireplaces that can irritate the lining of your nose and throat.  Avoid sick people. It sounds obvious, right? But it’s easy to forget. Try not to be in the same room, breathing the same air as someone ill for long. Wash your hands frequently and disinfect everything they touch.  Get a flu shot. The Centers For Disease Control & Prevention recommends that everyone who is at least 6 months old get the seasonal flu vaccine. It protects against 3 flu viruses that research indicates will be most common during the upcoming season.

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.

Clever Uses For Unwanted CDs/DVDs

• Candle holders: They’ll catch drips and reflect the light. • Cool decoration: String them together and make a mobile. • Party invitation: Jot details on the shiny side and mail in envelope. • Game pieces: Make a giant checkerboard & spray paint the CDs in different colors. • Kids’ name tags: Hang them on ribbons and let the kids wear them.

Be Safe, Not Sorry On Your Next Trip

Everyone loves to travel, but there are some precautions you should take just to be on the safe side. Use these travel security tips to help make your next international trip stress-free: • Be prepared in case your passport is lost or stolen. If your passport is lost, you must immediately notify the embassy or the State Department and report details of the incident. Take copies of the passport, birth certificate and marriage certificate for each person on your trip. You’d need these documents to authenticate yourself to authorities. • Leave your itinerary and the numbers or copies of your passport with a friend or relative. You also can register your travel for free with the State Department so you may be contacted in case of a family emergency or because of a crisis in the area in which you are traveling. Go to http://travel.state.gov/travel/tips/tips_1232.html for more details. • Don’t take your eyes off your laptop. Hundreds of thousands are stolen each year and 97 percent are never recovered. To protect yourself, remove any sensitive information from the laptop before you go and encrypt the data that’s on it. Take a security cable to attach it to a piece of furniture if you leave it in your hotel room. • Purge your wallet or purse of extra credit cards, receipts and any reference to your social security number. Leave your checkbook and debit cards at home. • Keep a grip on your valuables (especially in crowds). To thwart pickpockets, use security travel purses, bags, belts and money clips. If you’re a man, keep your wallet under your clothes or in your tightest pocket. If you’re using a fanny pack, secure the zipper by using a safety pin or a paperclip fastened to a rubber band around the belt strap.

How can I protect my home from water damage?

Water damage is one of the most common problems affecting homeowners today. In fact, the Insurance Information Institute reports that in 2010 it accounted for 22 percent of all U.S. homeowners’ insurance claims, with the average claim being $5,531. That’s why you need to have the right amount and type of insurance coverage. The Institute says standard homeowners insurance covers burst pipes, wind-driven rain, and damage resulting from ice dams on your roof. Some policies cover sewer and drain backups, but many don’t. In general, water coming from the top down (such as rain) is covered by a standard homeowners policy. Water coming from the bottom up (such as from a river) is covered by separate flood insurance. You can buy this from the National Flood Insurance Program and from some private insurers. The best way to prevent water damage is proper maintenance. For some excellent tips on such subjects as avoiding frozen pipes, replacing and maintaining bathroom fixtures and installing an emergency pressure release valve in your plumbing system, see the water damage section at the web site for the Institute for Business & Home Safety, www.disastersafety.org.

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.

6 Secrets To Sell Things On Craigslist

If you’re moving or just want to get rid of some extra things around your home, here are six tips to help you make the most of the online marketplace at www.craigslist.org: 1. Look at the “wanted” section to see if anyone wants what you’re selling. You may sell your item before creating an ad! 2. Research competition to see if your price is right. Search for similar items to set a competitive price, but leave room to negotiate. 3. Use your ad’s title to bring traffic. Be specific and state the price to get more people to click on your ad. “Nice brown couch” is not as good as “Lightly used Brown 60 inch Crate & Barrel couch $500.” Research similar products advertised and be more descriptive to make your ad stand out. 4. Include pictures or people may skip your ad. You don’t need a lot of pictures, but use at least one. Also, give specific details in the description (dimensions, attachments, etc.) to encourage serious buyers to contact you. And, specify “cash only,” “pick up only,” “all sales final,” “price is firm” or “OBO” (Or Best Offer). 5. Respond quickly by phone or email. Buyers have a lot of options and may move on to the next seller in the same day. 6. Keep your ad near the top. Every time you post an ad it appears at the top of the page, pushing other ads down. Check again tomorrow and it’s far down the page. Repost the ad every other day, or at least weekly, to increase the chance it gets noticed.

How to maintain strong bones?

First, while bone weakness is evident in older Americans, strong bones begin in childhood. Here are four steps you can take today to prevent osteoporosis and maintain strong, healthy bones: 1. Get the recommended amount of daily calcium by drinking milk and eating green leafy vegetables, soybeans, yogurt, and cheese. (1,000 mg of calcium per day). 2. Exercise 30 minutes per day for adults; 60 minutes a day for children. This can be walking, running, or any weight-baring exercise. 3. Get Vitamin D (200 IU), which is produced in the skin by exposure to the sun. It’s also found in fortified milk and cereals 4. Your doctor can order a bone density test (DEXA), which measures bone density at the spine, hip, and wrist where most fractures occur. For more information on osteoporosis, call 1-866-718-BONE, or go to www.surgeongeneral.gov.

Create Healthy Money Habits In Your Children…

We all want our kids to do well in life...and not make some of the mistakes we might have made. Here are seven important money strategies to teach your kids that will serve them well throughout their lives: 1) Don’t carry debt. Avoid credit card debt. It’s expensive money! In fact, about 30% of college graduates will enter the workforce with $10,000 to $25,000 in credit card debt and other loans. 2) Pay yourself first. Have your children open an investment account and regularly have them put away money for goals and emergencies. 3) Set up a budget and track your expenses. Help your children set up their own budget, and teach them how to track their income (from allowances, gifts, money earned) and expenses. 4) Don’t compare yourself with others. A friend may drive a fancy car and wear expensive clothing, but they actually may be deeply in debt. 5) Don’t trust anyone with your money. No one cares as much about your money as you do. 6) Invest in a Roth IRA, and/or a market index when you start earning money. To reach long-term goals investing is a must. 7) Money doesn’t buy happiness. Money can make life easier when you don’t have to struggle financially to make ends meet. But money can’t buy love or happiness.

Time for A Simple Blood Test?

How many episodes of ER have you watched and wondered...what exactly does the CBC tell these actors turned doctors? A CBC (complete blood count) can reveal a lot about your health. The CBC measures your hemoglobin (a protein that allows red blood cells to transport oxygen and gives blood its red color). Low hemoglobin indicates anemia. A hematocrit measures the volume that red blood cells take up in the blood. Elevated numbers may indicate dehydration, or it may be an early sign of cancer or kidney disease. Low numbers indicate anemia. Your white blood cells (WBC) fight infection and promote healing. A high WBC count indicates a bacterial infection. Very low numbers may indicate exposure to toxic drugs or environmental toxins, or other diseases. Your platelet count indicates your body’s ability to initiate blood clotting. A high number may indicate anemia, inflammation or a more serious condition. A low number may indicate an autoimmune disorder, allergic drug reaction, or an enlarged spleen. Your physician may order additional tests if your blood measurements don’t fall in the normal range. If you any questions about your CBC, be sure to ask your physician to explain the ranges and results to you.

Get Your Child Excited About Reading

Does your child spend too much time watching TV or playing video games and not enough time reading? Here are 7 quick tips to make reading fun and exciting: 1. Let your child choose books they’re personally interested in. This way they won’t get bored right away. If they can’t decide, help them by matching a book topic with one of their interests. 2. Encourage them to act out the book as a play. Kids love to perform for others, and this will help them remember more. 3. Ask your child to draw pictures of the characters. This gets them to really think about the details, plus it’s fun! 4. Read chapter books. These have more surprises and character development, which will help your child visualize the words more. 5. Take turns reading and let them ask questions. Also, have them read aloud to their siblings or friends. 6. Work with other parents to start a book club for kids. Here’s a video: www.howdini.com/howdini-video-14452277.html 7. Get your child an eReader. If you can’t get them away from video games, at least make their time in front of a screen more productive. If you have an iPAD, go to www.progressbythepage.com to find a reading app. It comes with a list of free eBooks, and ways to monitor their time spent reading.

Negotiating On The Job

Employees focus on bonuses, incentives, and time off, while HR specialists may be more willing to talk about flex schedules and relocation costs. (The survey indicated employees may have more negotiating power on non-salary issues.) Here are six valuable tips you can use for better negotiating on your job: • Make sure to show your enthusiasm for the job at hand. • Know your strengths and skills and explain why you’re the best person for the new job or raise. • Use the right words and cite facts, “I’ve done the research, and the market reflects this salary.” • Ask for what you want, and explain why you deserve it. • Be open to what is presented and remain objective. • Avoid talking about specific salary figures until the end the interview process; otherwise you may limit your options.

Lower Your Cholesterol Naturally!

A recent study published in the Journal of the American Medical Association (JAMA), found that people who ate a lot of plant sterols and fiber naturally lowered their cholesterol by 29%. What are plant sterols? They are foods that many of us like to eat: avocados, walnuts, almonds, olives, eggplant, olive oil, and flaxseed. The researchers found that people on the drug, Lovastatin, lowered their cholesterol by 30%, and people who ate a low-fat diet reduced cholesterol levels by 8%. What’s interesting about these findings is they show that a diet rich in plant sterols can be as effective as one of the most frequently prescribed cholesterol-lowering drugs—and without some of the side effects associated with prescription drugs. Adding these important foods can help raise your good cholesterol (HDL) while lowering your bad cholesterol (LDL). Note: If you’re on a cholesterol reducing medication, talk with your physician before making any changes.

5 ‘Hidden’ Credit Card Perks

Credit cards are usually known for high interest rates and extra fees, but did you know they also have some hidden benefits? Policies vary by company, but here are five perks your credit card may provide: • Rental car insurance. One-third of drivers tend to buy extra collision insurance when they rent a car. Most credit cards include collision insurance. You could save $140 on a week’s rental, but it may not apply to trucks, campers, and SUVs. • Cell phone replacement. If your phone gets damaged or stolen (loss may not be included), certain cards such as Citi will pay for a new cell phone, although you’ll have a $50 co-pay. • Trip cancellation. A Discover card may give you up to $2,500 if you have to cancel your trip due to illness. It has to be a serious illness with a doctor’s note or an event like death in the family. Also, American Express cards usually offer travel perks, such as double reward points to use on hotel and airfares. • Price (or return) protection. If you buy an item and find the same one advertised for a lower price elsewhere within 30 to 60 days, your card might refund the difference. Exclusions could include cars, cell phones, online sales, and purchases on eBay. Plus, most cards let you dispute a purchase if your merchandise isn’t delivered. • Extended warranties. Visa and AmEx cards automatically double the length of any manufacturer’s warranty. You need documentation and some products aren’t covered but it can save you money. See page 2 for more information on extended warranties. Read your credit card agreement to find perks you may be missing!

The Key To A Longer Life

Friends—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!

Plane Facts

Aviation is still the safest form of transportation. The International Air Transport Association says the 2012 global accident rate for Western-built jet aircraft was one accident for every 1.4 million flights. If you were to take a flight daily, you could go 3,859 years without an accident!

Fast Sale? Higher Price? Focus on Landscaping!

Good landscaping can increase your home’s resale value by 14 percent, according to the Associated Landscape Contractors of America. Better curb appeal may speed up the sale by as much as six weeks. Professionals recommend that you invest 10 percent of your home’s value in landscaping. More than just plantings, this includes structural features such as lighting, outdoor rooms, fences and pools. Here are some helpful tips: • Determine what you need. Are you landscaping to sell your home or to enjoy the property yourself for the longer term. • Get professional guidance. Depending on the scope of your project and budget, consider hiring an arborist, a landscape designer or a certified landscape architect. Ask friends for recommendations or search web sites such as the one for The American Society of Landscape Architects. • Develop a plan. Set your priorities ─ what needs to be done (have you solved that drainage problem?) versus what you’d like to do (put in an outdoor entertainment area). If you take a piecemeal approach, the result will look disorganized and cost you more money in the long run.

Get Your Child Excited About Reading This Summer

Does your child spend too much time watching TV or playing video games and not enough time reading? Here are 7 quick tips to make reading fun and exciting: 1. Let your child choose books they’re personally interested in. This way they won’t get bored right away. If they can’t decide, help them by matching a book topic with one of their interests. 2. Encourage them to act out the book as a play. Kids love to perform for others, and this will help them remember more. 3. Ask your child to draw pictures of the characters. This gets them to really think about the details, plus it’s fun! 4. Read chapter books. These have more surprises and character development, which will help your child visualize the words more. 5. Take turns reading and let them ask questions. Also, have them read aloud to their siblings or friends. 6. Work with other parents to start a book club for kids. Here’s a video: www.howdini.com/howdini-video-14452277.html 7. Get your child an eReader. If you can’t get them away from video games, at least make their time in front of a screen more productive. If you have an iPAD, go to www.progressbythepage.com to find a reading app. It comes with a list of free eBooks, and ways to monitor their time spent reading.

How To Organize And Get Things Done

Do you feel like you’re always working to keep up, but don’t really get anything done, especially around holidays? In his best-selling book Getting Things Done, David Allen gives you an effective time management system to help you organize your stuff, your work activities and your personal life. Allen’s key idea is to start with a “mind sweep” ─ get everything out of your head and down on paper (or other written form). Once your mind is cleared, your productivity goes up and you can focus on creative action. His five basic stages of mastering your personal or professional “workflow” are: 1) Collect. Capture anything and everything that is on your mind. 2) Process. Decide what each thing means. Is it something you should do? Do it now or later? Can you delegate it (and track on a “Waiting For” list)? 3) Organize. Place the items in categories, such as Projects, Calendar, Next Actions and Waiting For, and sub-categories of your choice. (To help you visualize this, he includes a diagram for navigating through the processing and organizing phases of your workflow.) 4) Review. Go over Calendar and Action lists daily and do a weekly customized review to get clean and current. 5) Do. Make choices about your actions based on what you can do, how much time and energy you have and your priorities. Another one of his most popular methods is the “two minute rule.” If any task can be completed in less than two minutes (for example, a quick email response), do it immediately. Stop putting those little things off.

Clever Uses For Hydrogen Peroxide

• Disinfect countertops and cutting boards. • Pour a little over your toothbrush after every use. • Mix 1 oz in 1 quart of water and water your plants. It adds oxygen to the soil and helps roots grow.

Can we Develop Charisma?

Yes, you can, says, D.A. Benton, author of Executive Charisma. Here are five skills you can practice to improve your charisma quotient. 1. Be confident. When introducing yourself say your name and then tell something about yourself. This helps to draw a question from the other person, and can lead the person into a conversation with you. 2. Walk with purpose. Pause before entering a room and project confidence as you walk into the room. 3. Use the double hand shake. When you shake someone’s hand, use the two-handed grasp. While shaking with right hand, your left hand grasps the person’s arm at or below the elbow. 4. Focus on your goal. Charismatic people know what they want and are passionate about it. Focus on what you want and how to get there. 5. Be a good listener. Listen when other people talk. Value their opinions and make eye contact.

Eat These Superfish

Salmon is great for you but here are other fish that may also help your heart:  Rainbow trout – a 3 oz serving has 20 grams of protein and almost 1,000 mg of omega-3 fatty acids.  Catfish – provides 100% of the daily requirement for vitamin B12.  Mackerel – one of best sources of vitamin D (good for bone health).  Pollock – a serving provides 73% of the daily requirement of selenium, which may lower your risk of diabetes.

Save $$$ On Your Phone Bill

Have you reviewed your phone situation lately? Consider one or all of these options to save hundreds of dollars a year: Eliminate your landline. First, study your phone bill to see if you’re paying for extras (like caller ID) you may not need. If you decide to ditch your landline because you have a cell phone, make sure you have excellent cell coverage at home. Another option is to switch to VOIP (voice over internet protocol) like Vonage, Skype, Ooma and even MagicJack. Unlimited local and long distance calls can range from $5 to $20 a month, that can save you over $100 per year. Bundle your services. You can save $20 or more per month if you get your cable, Internet, and landline from the same provider. There’s an extra $240 each year in your pocket for the same services. Ask your cell phone provider for a cheaper plan. If you talk to the same people daily, a “favorites” plan may better suit your needs. If you’re sending more text messages, go to an unlimited texting plan. Or, consider a pre-paid cell phone where you only pay for minutes you use. Depending on your talking time, that could save you up to $500 a year.

Seven Basic Principles for a Healthy Home

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.

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.

5 Things To Never Carry

Do you even know all the things that are in your wallet or purse right now? Here are five items to look for and remove to limit your risk of identity theft if your wallet is lost or stolen: • Multiple credit cards. Carry just one card or possibly a debit card. Don’t carry specific credit cards (like a department store) or gift cards unless you’re going on a shopping trip. Thieves often use them without having to show identification. Good idea: Do a wallet inventory and photocopy all the cards you own so you can report their loss and replace them if necessary. • Your social security number. With this most important key to your identity and your name, thieves can do everything from opening new accounts to filing false tax returns. Good idea: Memorize your number. If you have a Medicare card, copy your card and black out the numbers except for the final four. • Your passport. If you’re going overseas you must travel with it, but that doesn’t mean you have to keep carrying it around. Good idea: Carry a photocopy and leave the original in your hotel lockbox. • Checks. Your checks show your bank routing and account numbers, and thieves often sign them and get away with it. Good idea: If you must carry checks, take just what you might need for that day. Also try online banking to pay your bills. • Password list. No one can remember all of them, I know. Good idea: Use an encrypted tool to store your password like the SplashID mobile app or LastPass.com for your computer.

What are some remodeling trends for 2014?

According to a poll of builders and developers for CBS Moneywatch by the National Association of the Remodeling Industry, the overall trend is to take on small projects while you wait to do the really big ones. Here are some specific trends to watch for if you’re remodeling or selling soon: • Updating bathrooms. It’s cheaper than doing a kitchen but you need to keep a close eye on your budget. • Warming up the house with earth tones and metallic features, such as aged bronze or distressed hardware. • Opening up rooms. More people are taking down interior walls and opening up spaces in older homes. • Going green. The focus is on energy-efficient upgrades. • Paying in cash. Instead of taking out a loan, people are picking and choosing what they can do with the cash they have. • Hiring good contractors. Asking questions and being more diligent about choosing quality contractors is on the rise. • Spending time outside. The trend is to fix up outdoor spaces with a deck and landscaping.

Some Battery Basics…

Many (if not most!) of the things in our lives run on batteries. You’ll get a charge out of these battery basics. Cheapest won’t save you money. The old zinc-carbon batteries run out of juice and may leak acid into whatever device you buy them for. Chances are these came with that toy you bought so replace them with brand-name alkaline batteries. They have a shelf-life. Don’t buy huge quantities at a time and don’t pick out the package with all the dust on it! You can prolong their life by keeping them cool (in the refrigerator is not necessary), not mixing old and new batteries, removing them when you don’t expect to use the device for several months, and buying a battery tester. Rechargeables last longer but you should charge them every 6-9 months. Recycling is critical. Duracell says alkaline batteries can safely go in the trash (secure the ends with masking tape), but you’re better off recycling all your batteries (in California it’s mandatory). Stores like Best Buy and Office Max will take them or use a mail-in recycling program.

3 Top Negotiating Tips…

The next time you’re negotiating to buy almost anything, remember these top negotiating tips:  Empower yourself. You have the right to negotiate. Most sellers are open to giving you a discount if it means keeping you as a customer.  Do your homework. Ten percent is a good discount (20 is great) for manufactured goods (electronics). With household goods (furniture, appliances) try for another 10 percent. The deepest discounts come on services (hotels, lawn care), where you may get up to 40 percent if you pay cash, bundle services, and/or commit long term.  Ask for something you don’t necessarily want along with the things you do want. If you’re buying a dishwasher, car or TV, ask for an extended warranty, preferred financing or free delivery. When the seller counters, you have something to “give on” to make the seller feel like you’re meeting him/her part way in getting to an agreed upon price.

Five Auto Maintenance Myths

Hit the brakes! You may be spending unnecessarily on car maintenance. Here’s how you can save money: For starters...make sure you read your owner’s manual! Most newer cars require a lot less maintenance than your family’s first car. Here are 6 more tips… 1. Oil Change. Some newer cars call for oil changes every 10,000 miles; the industry recommends every 7,500 miles. If you follow the factory schedule, your car will be in good shape well past the warranty period. 2. Lubricating The Chassis. Cars built in the past 10 years don’t require lubrication. Adding grease may end up costing you $$$. 3. Standard Tune-up. New cars have computer-controlled engines making the standard tune-up unnecessary. (No points and rotors...and some don’t have the standard distributor caps). 4. Flushing The Automatic Transmission System. Check your owner’s manual, but most manufacturers say it’s not needed until 60,000 miles. 5. Draining The Radiator. Most cars have closed systems and no longer need the radiator flushed twice a year. A new car’s coolant can last up to two years before it needs changing. 6. Changing Filters. Filters need replacing, but not at every oil change. Check your owner’s manual for recommended replacement intervals

Secrets To Feel Young

The process of getting older is unavoidable, but feeling old is optional. Here’s what you can do to feel young and alive. Appreciate your age: Whatever you regret from the past is over. Let it go. Literally re-program the way you think about the past and the concept of growing older. Setting new goals can give you more life now and help you live longer. According to a Yale study, people who had a positive mindset about growing older lived about seven years longer than those who grumbled about their age. Don’t retire from being useful: Sure, you may have earned the right to slow down and work less, but feeling that you still make a difference is invigorating. Keep both the mind and body moving by getting involved in volunteer activities and exercise clubs.

Can Optimism Make You Healthy?

In a study of first year law students at the University of California at Los Angeles, psychologists discovered students with positive attitudes and expectations had stronger immune systems and overall good health. Researchers drew blood from “declared optimists” and a control group. They then measured levels of key immune cells at the beginning of the semester. At that time there was no difference, but well into the stress-filled semester the optimists showed significantly higher levels of key immune cell activity than their less-than-positive counterparts. Keep smiling—you’ll live longer!

De-cluttering Tips…

Save money by cleaning out your storage unit, 1 in 10 Americans pay for storage. Don’t keep stuff “in case you need it.” You might as well make extra money by selling some of those items on eBay or Craigslist. If you don’t have time to clean it out yourself, hire a professional organizer. It’ll cost you less in the long run. If you must rent a unit, make sure it’s temporary. Many companies offer the first month’s rent free because they know you may stay indefinitely. Know what you’re storing and make sure you only keep the unit for a few months at most.

7 Secrets for Conquering Stress

Are you a harried mom? Overworked dad? Stressed out professional? Stress is considered one of the top three contributors to heart disease and other serious illnesses. Don’t let daily stress get the best of you. Here are seven steps you can take right now to reduce your stress level, and get back to feeling more balanced and energized in your daily life... 1. Master Your Thoughts. Stress and anxiety are actually a choice. You have the power to choose how you feel at any given moment. When you are feeling stressed out, take a moment to pause and close your eyes. Ask yourself, “Is there another choice I can make that will make me feel more at peace with myself or this situation?” 2. Breathe. It sounds so simple, but breathing has a tremendous affect on your mind, body, and your mood. Focus on your breathing when you find yourself feeling stress. If you put your finger on your belly button, you’ll begin to breathe from your belly and relax. 3. Exercise. Regular exercise can release stress and make you feel more in control of your life. Try a 30-minute brisk walk, bike ride, or play a game of tennis or racquetball. 4. Take Up A Hobby. Hobbies give our body and mind a place to relax. Whether it’s painting, woodworking, gardening, or playing a musical instrument, hobbies can give us that feeling of a vacation without having to go anywhere to get away. 5. Pace Yourself. Many of us have a tendency to over schedule ourselves or our family, and then become stressed when we can’t meet the demands. Prioritize your workload and concentrate on one task at a time. 6. Lighten Up And Take The Long View. If you’re feeling anxious and tense...take a moment and ask yourself, “will this really matter tomorrow, next week, or even five years from now?” 7. Strive For Peace of Mind. You can get more out of your life by actually doing less. Happiness comes not from the number of activities things we collect, but from the opportunity to enjoy our experiences. Doing less may actually make you happier...it’s your choice.

Don’t Read This Sitting Down

Do you sit at a desk all day and become a couch potato on the weekends? Recent studies have shown that those who sit most of the day have an increased risk of obesity, diabetes, heart problems and other diseases. That’s because the enzymes that burn fat shut down, slowing your metabolism and possibly lowering your beneficial cholesterol. Even if you do exercise regularly, you need to move your muscles frequently (called non-exercise activity) throughout the day. Follow these tips: Try to get 30 minutes of moderate exercise a day. When you’re not exercising, don’t remain sedentary for long. Get up and move, whether that means walking to someone’s office (instead of sending an e-mail) or going to the copy machine. Even standing burns calories since you tense your leg muscles and shift your weight from one leg to the other. Turn off the TV. You’ll burn more calories doing almost anything else, such as playing games with the kids, cleaning the house or walking the dog. When you do watch TV, change your seating. Watch it in a rocking chair (yes, it burns energy!), sitting on a therapy ball or riding an exercise bike. Move around during commercials, which can take up 20 minutes each hour.