Stress Relieving Tips

When we’re stressed, we’re less able to focus and we’re doing damage to our overall health. Here are some science-based methods for de-stressing quickly. • Breathe – Stress makes us take short breaths. Concentrate on deep breaths through the nose, exhaling through the mouth, for several minutes to increase oxygen flow and reduce tension. • Pattern Reset – Forcing your brain to focus on something else, such as the repetitive task of doing dishes or knitting, can help get your mind off whatever’s bothering you. • Go for a Walk – Not only will a 10-minute walk physically remove you from any stressful situation, the exercise releases stress-relieving endorphins in your brain. Dancing to your favorite song works, too. • Take an e-Break – We love technology, but it can also cause a huge amount of stress. Turn off your phone or computer to increase your ability to relax, and don’t leave your email inbox open all day. • Have a Snack – It’s important to be mindful about snacking (stress eating is nobody’s friend), but some nibbles can be helpful. Potassium can help modulate blood pressure, which can in turn reduce stress levels, so have a banana. Something like a handful of nuts offers a satisfying crunch and the energy your brain needs to get past the stress.

Strengthen Your Immunity Against Colds & Flu

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.

Find a Healthy Dose of Hope

With a healthy dose of hope, people can power through stress, feel empowered to chase their dreams, and find a beacon of light when the going gets tough. Research has shown that hopeful patients heal faster and hopeful employees are more satisfied with their jobs. Conversely, people who aren’t hopeful often feel sluggish and have little motivation and energy. So how can you amp up the hope in your life? Read on! Seek mastery: Obtaining mastery provides a sense of empowerment and purpose, instilling a sense of hope. Expand your skill set by imagining what you want to achieve and make plans to reach those goals. Write down steps you need to follow to get the results you seek. Find role models: If you suffer from a sense of hopelessness, find people who have overcome similar situations to yours. Learn from their experiences. Surround yourself with others who can help you through particularly trying times. If you don’t know anyone personally, check projecthopeexchange.com for support. Evaluate options: Feeling trapped can stifle hope. During those times when you feel stuck, think about how you’ve handled similar situations in the past or how similar strategies from different situations can help you with this particular issue. Make a plan…even a few steps you can take right now can give you something concrete to focus on. Give hope to others: Perform small acts of kindness. By doing so, you offer hope to others, and this can help boost your mood and outlook on life … and increase your feelings of hope in the process. The positive effects of acts of kindness build on each other, so make this a part of your daily routine instead of following a one-and-done approach.

Travel Complaints

Have a bad travel experience? Follow these tips to make your complaint heard: DON’T…  Relate every little thing that went wrong. You’ll sound like a whiner and the travel company won’t know which point to address. Just hit the “high” points that are most important to you.  Tell them a sob story. It’s unfortunate that you’re on a fixed income and you need the refund, but so are lots of other travelers.  Copy everyone in the world, including the CEO, the Better Business Bureau and your grandmother.  Threaten to sue or never to do business with the company again. A) Your letter may end up in the Legal Department; B) you don’t want to be labeled as a “difficult” customer; and C) you may have to use them again (for example, your family wants to take that cruise line). DO… • Put your complaint in writing, whether by email or letter, but keep it short and professional, without rage. Take the high road and tell them you’re looking for reasons to do business with them again. • Include any documentation. List exact times, places, names and dates. You’d be surprised how many people forget the most relevant details. • Give the system time to work. You may have to write a second letter or email if you don’t get a response in a reasonable period of time. But if you were legitimately disserviced, the airline or travel company will take you seriously and want to make it right.

Bring Serenity To Your Home

Our homes should be our sanctuaries year-round – a place in which to escape, recharge, and reenergize for whatever may come our way. Discover a few ways to bring serenity to your home, without breaking the bank: • “A place for everything, and everything in its place” isn’t just a saying, but a way of living. Reducing clutter in your home alleviates anxiety, helps you sleep better, and encourages a happier environment. • Carve out some space for a reading nook, whether it’s a comfy chair tucked into a corner, a window seat with fluffy pillows, or a chaise with a throw blanket for a warming embrace. Flip on a nearby lamp and you’re ready to dive into the latest novel for some quiet “you” time. • Bring the outdoors in with fresh flowers, potted plants, or an armful of tree limbs loosely arranged in a tall vase. Glimpsing these bits of nature within your home will boost your mood, reduce stress, and make for a healthier, happier you.

Coffee Is Good For You

Studies show that black coffee – in moderation (no more than 5 cups a day) – can be good for your health. Here are four benefits you probably haven’t considered: 1. Coffee contains nutrients and antioxidants such as riboflavin, pantothenic acid, manganese, potassium, magnesium and niacin. These are all things your body needs to function well. 2. It also contains caffeine. Caffeine speeds up your metabolism and aids in fat burning. Health.com says it may protect brain cells from damage that contributes to the development of Parkinson’s, dementia, and Alzheimer’s. Avoid it, however, at least four hours before bedtime, or if you have caffeine sensitivity. 3. Drinking one or two cups per day can reduce your risk of cardiovascular and liver disease, as well as lower your risk of developing type 2 diabetes. 4. Coffee may fight depression and make you happier. But, seriously, try to hold off on the venti white chocolate mocha lattes.

On The Job Negotiation

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

Off-Season Rates

This is a great time to explore some of our states beautiful resort properties for a substantial discount. We can still get nice days and with fewer tourists you can appreciate these resorts without the big crowds. • Suncadia Resort – This time of year enjoy their walking trails, winery, drives to Salmon La Sac and explore historic Roslyn. • Semiahmoo Resort – This time of year walk the beaches, build a raging fire, on a nice day rent a boat, or day trip to Vancouver BC. • Sun Mountain Lodge – The fall views will be amazing right now! Horse drawn carriage rides or a hiking adventure. • Quinault Beach Resort – Ocean Shores is a nice place to be even if it rains. Enjoy a long walk or take a drive on the beach. • Bandon Dunes Golf Resort – Top golf resort in the nation. This time of year the winds usually slow down a little. I been there in the winter several times. There is not a bad time to be at Bandon!

Money Buddy

That’s what Trent from “The Simple Dollar” blog calls someone close to you who seems to be facing similar financial challenges as you are. While a spouse is certainly a “money buddy,” it’s helpful to choose someone else (with a spouse’s okay) who can lend a different perspective. By linking up with that person (or a couple), you can support each other and benefit financially and psychologically. Here are 5 things you can do for each other: Relieve tension and talk it out. Most of us keep our financial problems to ourselves. You’ll ease your stress if you have someone you trust to talk to. How much information you share is up to you. Give and get advice from fresh eyes. When you’ve reached a point of financial indecision (“Which debt do I pay off first?” “What bank should I use?”), a money buddy is a second set of eyeballs to look at the situation. Hold each other accountable for goals. If you set a goal for yourself, share it with your buddy and remind each other of your goals regularly. Knowing your buddy knows your goal can be a great motivator. Share knowledge and resources. Split the cost of a warehouse shopping club membership or divide the items you buy in bulk. Celebrate each other’s progress and successes. It’s even more gratifying when you take the journey together.

Eliminate House Smells

Smell: Musty or “old home.” Problem: Mold that may be due to poor ventilation in rooms, leaking plumbing, or condensation buildup on windows. Solution: Small amounts of mold can be cleaned with soap and water. Smell: Smoke, sour milk, pet urine, and similar smells. Problem: A variety of smells become absorbed by carpets and paint. Solution: Deep clean carpets and walls. Consider repainting walls. Replace air filters on a frequent basis. Smell: Rotting animal. Problem: Common areas in the home where animals may have snuck in and died are in the attic, wall, or chimney, or under the house. Solution: Remove the carcass yourself or call a pest control company (follow your city’s sanitation guidelines). Use a commercial product to help eliminate lingering odors.

Improve Work Releationships

There is a good reason to get along with co-workers: Liking other employees consistently ranks among the highest factors in determining job satisfaction. This isn’t always easy, however. If some of your work relationships could use a little sprucing up, try these tips: 1. Respect time. Avoid hovering around your colleagues’ work areas if they’re on the phone or speaking with someone else, and respect their professional/personal life balance by keeping work issues at work. 2. Avoid gossip. Office politics and the rumor mill can run rampant, and the best thing you can do is to avoid any conversation that is irrelevant to your job. You never know whom you will have to work with – or for – in the future, so do your best to remain professional to everyone. 3. Be polite. The Golden Rule of doing unto others as you would have them do unto you goes a long way in a professional setting. Say hello and thank you, smile, hold doors open for others, and clean up after yourself. 4. Show concern. It is not your job to solve personal problems, but keep in mind your co-workers are people too. Be mindful that others may be having a bad day or issues beyond the boardroom. If you feel comfortable, it’s okay to check in to make sure everything is alright. 5. Welcome the newcomers. Do you remember your first awkward day of work? Make someone else’s first day on the job easier by smiling and introducing yourself. 6. Follow up and communicate. Simple communication goes a long way in helping to facilitate good relations and clear up misunderstandings. Make yourself approachable so others feel they can discuss work-related projects with you. Managers need to set clear expectations with their employees so there is no question about what is expected from each person.

Over-Extending On Your Home?

Are you “house-rich but cash-poor”? In other words, you spend so much on your mortgage (and building equity) that you don’t have cash to spend on other needs.  Sell your house and buy (or rent) something smaller. Sounds drastic, but it frees up assets and is particularly relevant if you are close to retirement age.  Refinance your current mortgage and pull out equity. Talk to John Porter at Mortgage Masters (206-954-8736 or john@mortgagemasterwa.com) to see if this option would be beneficial to you. He would love to help!  Look into a reverse mortgage (if you’re 62 or older). This lets you access your equity but there are up-front costs and you’ll want to remain in your house for the rest of your life. Talk to a financial planner to fully understand this option.