How Much Does That Home Renovation Project Cost?

Renovation requires careful planning, which includes budgeting, timing and a lot of contractor interviews if you want to find the right person and price.

By: Stephanie Lynch

Renovations, depending on what you want to be done, can be all over the place.  Some jobs can be in the low thousands, while some extensive jobs could be as much as your home mortgage.

If you’re thinking about any home renovation project in the future, let’s dig deep and see what the job may cost you.

What determines the cost of renovation?
It goes without saying that the more extensive the project …

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How to Deal With Modern Stress

Under stress, the brain’s blood flow to the hemispheres is unequal, and this makes you have more worry thoughts.

By: Dr. Carol Kershaw and Dr. Bill Wade

We live in a world of information overload.  The words “breaking news” flash across the screen of your smart phone multiple times a day telling your brain that you are in immediate danger and to Pay Attention.  Add to this reality the fact that the country is seriously divided politically and that more people are frightened about their immediate and long-term security, physically, economically, and emotionally than for generations.  When you hit overload, …

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5 Tips for Staying Active in Winter

Our five tips for staying active and healthy in winter will get you up and moving even when the thermometer doesn’t.

By: Helen Carter

It’s tempting to curl up on the couch with a blanket and read books, drink hot cocoa, and watch movies when the weather turns cold, but hibernation is not something we need to pursue, especially if we want to stay healthy during the winter and throughout the rest of the year. It is much better for our health if we maintain an exercise routine and healthy lifestyle year-round, and our five tips for staying active and …

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2017 Consumer Electronics Show Highlights

Although, there were many interesting exhibits at the 2017 CES, I visited only areas that might interest baby-boomer women.

From the many interesting exhibits at the 2017 CES, I selected the following products for my review:

Reliefband: Drug-free relief from nausea, retching and vomiting

This is a wearable “smartband” that uses the body’s natural neural pathways to regulate the mechanisms causing nausea, retching and vomiting.

When activated, the device emits gentle pulses to the P6 pressure point of the median nerve on underside of the wrist. These intermittent signals modulate the body’s natural neural pathways and block the sensation …

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Ten Tips to Protect Seniors from Financial Crimes

Thieves frequently target seniors for many financial crimes including burglary, robbery and personal theft. Don’t be a victim.

Sweet, trusting, kind. These are three words most people use to describe their aging parents or grandparents. But unfortunately, a growing number of people are adding the word “victim” to the list.

According to the U.S. Department of Justice’s Bureau of Justice Statistics, each year, tens of thousands of senior citizens are victimized by crimes motivated by economic gain. Thieves frequently target seniors for the crimes of burglary, robbery and personal theft, sweepstakes and telemarketing fraud, home-improvement scams and identity theft.

Experts …

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holiday decoration

5 Ways to Find Rest This Holiday

With all the holiday activity that comes with this season knocking on our door—what’s a person to do?  I challenge you to take the road less traveled.

 
By:  Renée Peterson Trudeau

Does the thought of hanging Christmas lights and attending holiday work parties make you want to grab your sleeping bag and run for the nearest cave? 2013 has been intense for many of us.  We felt overscheduled, overworked and we rarely got the chance to unplug.  We navigated big career and life transitions—and had little time to integrate these changes.  Frankly, we’re exhausted. We’re ready for rest. Not …

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christmas gifts

Hard to Buy Holiday Gifts

There are likely some names on your list that don’t fit into a predefined group of friends or family. Here are some ideas for gifts to give this holiday season.

 
By: Amy Nicole

After writing down all the holiday shopping you need to do this holiday season, there are likely some names on your list that don’t fit into a predefined group of friends or family. Your kids’ teachers and coaches; your boss and colleagues; babysitters or nannies; mail carriers; and even your hairdresser are all people who deserve a little something extra around the holidays for making your …

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Tips for Restorative Sleep

The effects of little sleep can affect our lives in many negative ways, from stress to poor judgment, to heart disease and obesity.

Restorative sleep is crucial for our overall health and wellness. The effects of little sleep can affect our lives in many negative ways, from stress to poor judgment, to heart disease and obesity. But by tweaking our daily habits and routine, we can take control of our sleep and enjoy an energized and happy life.

The Virginia Spine Institute has put together an infographic to guide you to new sleeping habits and a revised routine. Follow these …

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Preventing Identity Theft

You must take steps to prevent your identity from being stolen. It can take years to clear it up, so a little prevention is the answer.

By: Chris McElroy and Jennifer Tarzian

Did you know that in some states Identity Theft is not even against the law? The theft of your personal information, such as social security number, driver’s license number, credit card and bank account numbers, and mother’s maiden name must be carefully guarded.

What is Identity Theft?

It is the theft of your personal information, such as social security number, driver’s license number, credit card and bank account …

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Why Does Chocolate Have a Low GI

If you have diabetes or pre-diabetes, you don’t need to eat low, or reduced-sugar chocolate to avoid high blood glucose levels.

By: Professor Jennie Brand-Miller

Although most chocolate has a relatively high added sugar content, it doesn’t have a big impact on your blood glucose levels. In fact, the average GI is around 45 because the high fat content slows the rate that the sugars are released from the stomach into the intestine, and absorbed into the blood. If you have diabetes or pre-diabetes, you don’t need to eat low, or reduced-sugar chocolate to avoid high blood glucose levels. Two …

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travel tips

6 Last Minute Holiday Travel Tips

Traveling at peak holiday times can be chaotic. By thinking ahead and making a few adjustments, you can save yourself frustration and enjoy the journey. Here are a few travel tips.

 
Make a “last check” list a few days before your departure.
Add items such as “water plants”, “turn down the thermostat” and “arrange for mail delivery”. No matter how much of a seasoned traveler you are, you can easily forget important items when your mind is skipping ahead to your travel.

Place your documents, phone, medications and keys in a secure place in your carry-on bag.
If …

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Christmas card

Creating Cards and Posters

You can make collage, poster, social media graphic and photo cards. Try it yourself. You’ll be surprised at how quickly you can be creative.

 
Every year, I still like to send real paper Christmas cards. Yes, I also send out some email cards but there is something about the tradition of mailing them that I enjoy.

The cards that I like receiving most include a newsletter of family events and a photo. I have friends living far away and sometimes years pass before we get a chance to see each other. The annual ritual keeps us in touch.

This …

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A Little Known Sugar Substiture – Xylitol

Xylitol differs from other sugar substitutes in that it is natural and not chemically produced and it looks and tastes like sugar.

By: Anita Oksa

One of the best sugar substitute products is xylitol which is essentially a sugar alcohol found in many fruits and vegetables as well as some hardwood trees. It is used as a natural sweetener for many confectionary items, baked goods, jams sauces and just as a sugar replacement for example in your coffee. It differs from other sugar substitutes in that it is natural and not chemically produced and it looks and tastes like sugar.…

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financial stress relief

Financial Stress Caused by Debt

If you are behind in paying your bills, you can expect to hear from a debt collector. These calls can cause you a great deal of stress.

Debt Collection

If you are behind in paying your bills, you can expect to hear from a debt collector. A debt collector is someone, other than the creditor, who regularly collects debts owed to someone else. Lawyers who collect debts on a regular basis are considered debt collectors, too.

Debt Relief Services

If you’ve maxed out your credit cards and don’t know how you’re going to pay off your debts, you may think …

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Maximum Return on Your Credit Cards

Most credit cards now offer reward points, cash back, 0% transfers, credit monitoring, discount gasoline or money-market savings.

 
By: Francis Kier
 
There has been an explosion of credit cards that specialize in certain benefits over the last five years: reward points, cash back, 0% transfers, credit monitoring, discount gasoline, money-market savings, etc. So how do you get the most return from your card, particularly when their plans change?

(Presuming you never, ever carry a credit card balance – interest charges and potential fees will more than consume any side benefit that a card can offer.)

In the old …

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