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 …

Read More »

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 …

Read More »

Rx drugs

How to Streamline Your Rx Mess

Sorting the RX bottles in alphabetical order will make your inventorying much easier when it comes time for renewals later.

By: Stefania Shaffer

There are many compelling reasons that surround my move back home to live with my elderly mother—none the least of which is the near accidental overdose from the many Rx prescriptions whose labels she can no longer read.

Ask yourself these 4 questions to determine if you might need a little help in sorting out your own Rx mess:

1. Does your eyesight still allow you to easily read the Rx labels so you know the …

Read More »

self improvement

National Self Improvement Month

Traditionally, “self improvement” is focused on changing physical and personal aspects of yourself that you’re unhappy with.

Let’s spread the word on being comfortable in your own skin for Self Improvement Month. It’s so important in this day and age to be a part of a strong, confident community of women!

Traditionally, “self improvement” is focused on changing physical and personal aspects of yourself that you’re unhappy with. Well, let’s change the game! Instead of focusing on “fixing” ourselves, let’s highlight the importance of loving and respecting ourselves just the way we are.

With constant media surrounding body image

Read More »

How to Get a Free Credit Report

Many consumers do not know that everyone is entitled to a free copy of his credit report from each of the three credit bureaus each year.

By: Daphne Succes
TransUnion, Experian and Equifax provide your credit report to loan officers, credit card companies, financial institutions and anyone whom you give permission to obtain a copy of your credit file.

If you are applying for a credit card, mortgage, car or personal loan, you should be familiar with the information included in your credit report. You are issued a number, known as a FICO score, which is calculated …

Read More »

senior living

Options for Senior Living Communities

What are your options for senior living communities if you are an independent and active senior? Top communities have wait lists for new residents.

By: James Connolley

Once upon a time, independent seniors did not have many options available to them when it came to retirement living. Retirement communities were largely dull and drab places that were reserved for the seriously infirmed. They certainly were not communities were active, vibrant people wanted to live. Times have certainly changed in the past decade or so as more and more people are actively choosing to live in retirement communities. In fact, …

Read More »

Paper Trail

How to Manage the Never Ending Paper Trail

Your obligation is to understand the paper trail before you begin shredding. I pieced together fractions of clues to find money that was never listed.

By: Stefania Shaffer

It hardly seems fair that as soon as we pay bills, review statements, manage family calendars and school cubbies for the month, all of this ironing out will inevitably become all bunched up again when next month’s paperwork requires the same attention.

When it’s our own personal finances, it is easier to put aside organizing—waiting until you have the time. This could be months down the road for busy people because …

Read More »

best places to retire

12 Best Places in the World to Retire

Globalization made the world a very small place. It has never been more affordable and easier to retire abroad.

You worked hard so why don’t you make sure you enjoy the fruit of your labor with some actual sweet fruit in your hand! All while relaxing on an idyllic beach under a palm tree. If sand between your toes is not your idea of bliss, then somewhere around the globe you are sure to find the ideal retirement location.

There is a lot to consider when deciding where to retire. As an aging person access to good healthcare is …

Read More »

dry skin

Home Remedies for Treating Dry Skin

If you suffer from severe skin dryness, massage your skin regularly with castor, avocado or almond oil. Regular oil massage will keep your skin moist.

By: Dr Marina Gafanovich

Everybody wants to have soft, smooth and plump skin but not all people are blessed with it. Dry skin problems are usually more troublesome during the winter season and hence need to be cared for properly.

An effective remedy for keeping skin dryness under control during the winter season is the use of plenty of moisturizer. If you suffer from dry skin, apply some of the natural remedies given below …

Read More »

stress management

Understanding Stress

Once you have lowered your stress level, there are techniques you might want to try that will help prevent it from building up again.

Stress is a fact of daily life and is the result of both the good and bad things that happen. Too much stress can cause serious health concerns, but there are many ways of dealing with stress that can reduce your risk.

Because everyone is different, there is no single way to cope with stress. However, there are a number of approaches you can try to deal with short and long term stress.

* Identify

Read More »

Clean closet

How to Make Over Your Closet

The best way to sort a closet is to pull everything out at once. A Hefty sack can be used to stuff inside the clothes you no longer wish to keep.

By: Stefania Shaffer

Let’s face it. We are regular people who do not live the lives featured in glossy magazines. We aspire to be neater, but to achieve this optic we would need to subsist on six interchangeable outfits of monochromatic khaki and white. What about winter clothes? What about navy blue? How can we whittle away our wardrobes to better suit the life we lead?

After moving …

Read More »

elderly hoarder

How to Care for an Elderly Hoarder?

When I said yes to the job of caring for my elderly mother, I had no idea I was also saying yes to care for a house that had been equally badly neglected.

By: Stefania Shaffer

Have you ever passed by one of those houses where the crooked garage doors are barely holding themselves together over the heaping bulge behind them?

Then one day, on your usual stroll of the neighborhood, those garage doors are popped wide open for the whole world to see. You shudder and gasp aloud. You don’t want to linger for too long because it …

Read More »


How to Protect Your Spine

Four great ways to help promote a healthy spine including, avoidance of nicotine, maintaining appropriate conditioning, using proper ergonomics.

Dr. Schuler emphasizes the connection between spinal health and genetics. He outlines four great ways to help promote a healthy spine including, avoidance of nicotine, maintaining appropriate conditioning, using proper ergonomics, as well as maintaining a healthy body weight and nutritional intake.

Video created by the doctors at the Virginia Spine Institute

Photo of Plastic Spine: Michael Dorausch

Read More »


Being Comfortable When You Travel

Sometimes being comfortable is not only about money. Here is a list of things that could make the difference when you travel.

If you no longer want to deal with the hassles of traveling by plane or train or car, and faraway places are no longer on your bucket list, take a step back and look around you. Do you know your town well? Have you seen all there is to see?

I am the first one to admit that I am guilty of overlooking what is right in front of me. Realizing this fact, I have started to …

Read More »

drinking water

Benefits of Drinking Water

Drinking plenty of  water has many health benefits  and as a bonus, it has no carbohydrates, fat, calories or sugar.

The amount of water we drink on a daily basis could play a crucial role in keeping our body healthy. Professionals recommend at least eight to ten glasses of water per day to keep our body well hydrated.

In addition, the Institute of Medicine has determined that the adequate consumption of total
beverages on a daily basis to be about 2.2 liters or 9 cups for women and 3 liters or 13 cups
for men.

Not drinking enough water …

Read More »