RE/MAX 440
Liz Hieter
LizHieter@verizon.net
Liz Hieter
4789 Route 309
Center Valley  PA 18034
PH: 610-791-4400
O: 610-791-4400
F: 267-354-6219 
Welcome Home from RE/MAX 440!

My Blog

Travel Tips for Fall

September 28, 2017 12:54 am

Are you hoping to hit the road (or air) this fall? You're far from alone. With the prices lower than summer, the weather still temperate and the foliage in full bloom, many choose fall as the season to get away.
Below are a handful of fall travel tips from MultiVu.

Stay Within Budget: Fall is a great time to travel. There are a lot of deals in places like New York City, San Francisco, and D.C., but to find these deals, comparison shopping is key. On sites like Booking.com, you can check out affordable hotels, villas, apartments, or even boats or tree houses to stay in. They also have a customer service team to help travelers out 24 hours a day. Whether searching for an accommodation through the website or app, check out the guest-verified reviews.

Get Your Ride Ready: With stable gas prices, road trips are really popular with families this time of year. Before you hit the road, make sure your vehicle is road-ready and those tires are in good shape. Two big things: check your tire pressure and your tire tread—you can do that with a penny. Remember all tires are not created equal.

What to Pack: Fall is an active season for families. For starters, make sure you pack the right clothing. Also remember, hurricane season is not over—any bad weather can put travel plans in jeopardy. That's why more travelers are now looking to protect their travel investment, according to Allianz Travel Insurance. Travel insurance can reimburse your prepaid non-refundable expenses if you have to cancel a trip due to a natural disaster or for extended travel delays. It will also protect you against baggage issues and medical emergencies. If you do ever have to file a claim, you can do it straight from the TravelSmart app.

Source: MultiVu

Published with permission from RISMedia.


Tags:

A Closer Look at Vision Health

September 28, 2017 12:54 am

(Family Features)—An estimated 4.3 billion people suffer from the same health problem regardless of gender, age or ethnicity: vision impairment. Whether moderate or severe, vision impairment can have far-reaching social and economic impacts.

As the number of Americans with visual impairment is expected to double by 2050, vision health has an obvious role in the national health conversation. Uncorrected vision is highly noticeable among certain groups, like the elderly and workers who rely on vision for safe and effective job completion. According to the Vision Impact Institute, two other groups significantly impacted by poor vision are drivers and children.

Drivers
A study from the British Journal of Ophthalmology found that one of the major causes of visual impairment is uncorrected refractive error (URE), and that preventable URE causes nearly 80 percent of the global burden. The number of people impacted by URE is especially troubling when taking into account day-to-day activities such as driving. A report from the American Academy of Optometry revealed that even moderate visual field loss causes drivers to have significantly poorer capabilities in completing tasks, such as matching speed when changing lanes and maintaining lane position.

When you consider how changing technology and business models like ride-sharing companies and delivery services are adding drivers to the road, this impact becomes all the more crucial. If eye exams were part of the standard for renewing driver's licenses, then these issues could be called out by an eye care provider in advance of potential accidents on the road.

Children
Today, vision impairments and eye disorders are the third-leading chronic conditions among children in the U.S., with costs for direct medical care, vision aids, devices and caregivers amounting to $10 billion per year. In the U.S. alone, the total economic burden of eye disorders and vision loss was $139 billion in 2013.

Uncorrected vision problems in children can have serious negative impacts on their educations and future employment opportunities. In 2014, researchers studied the impact on academic performance after providing a vision screening and free eyeglasses to low-income and minority elementary school children in the U.S. The study found that among fifth grade students, both the screening and eyeglasses significantly improved student achievement in math and reading.

As 80 percent of all learning occurs through vision, a simple pair of eyeglasses could correct poor vision and drastically change the course of a child's life.

Source: visionimpactinstitute.org

Published with permission from RISMedia.


Tags:

Do These Every Day for a Cleaner Home

September 26, 2017 1:45 am

Want a cleaner home but feel like you don't have the time? Think again. These quick (think five minutes or less) tasks can help tidy your home with minimal effort.

Post-shower swipe – To keep mold at bay, store a washcloth in your shower you use for wiping down the surfaces after you turn the water off—just make sure everyone in the family knows the purpose of the rag so it doesn't end up on anyone's face! Swap the rag out once a week.

Early morning clutter sweep – As you wait for the coffee to brew or the dog to finish his breakfast before your walk, run through the lower level of your home and take care of any clutter piles: junk mail in need of opening, shoes or jackets dumped by the door or blankets on the couches that may need folding.

Nightly surface wipe – Every night before you head to bed (or the TV room), grab a rag and wipe down your counters, kitchen or dining table, and any other surface that collects food particles, dirt or dust.

Closet self control – It can be tempting to strip off your clothes after a long day and dump them in a pile on the floor or toss them on a chair, nut properly putting your clothes away—either in the hamper, back in the closet, or in a pile for dry cleaning—will help tide weekly clutter.

Clean as you cook – Does your soup have 15 minutes left to simmer? Start on the dishes, sop up splatter on the counter or floor, or tackle the trash. Waiting until the end of the meal can make it all too easy to say, "I'll clean up in the morning."

Published with permission from RISMedia.


Tags:

How to Prepare Your Home for the Worst

September 26, 2017 1:45 am

No one likes to think of disaster striking their home; however, preparing for an emergency—be it a flood or an earthquake—can be the make-or-break factor for protecting your property should disaster hit. A storm can cause electrical outages, flooding, and water damage to your home itself, as well as your systems and belongings. To help, Gold Medal Service offers homeowners several ways to be prepared to weather a storm or severe weather conditions:

Waterproofing – Being below ground level, basements are most susceptible to water issues. Pump systems, waterproof sprays and interior drainage systems are all examples of ways to help you prepare for the next emergency.

Generator installation and inspection – Power outages are more than an inconvenience—they represent a real safety issue for your family. A backup generator can provide power for the home in case disaster strikes. Professional installation and periodic inspections will ensure that your home has power even when the lights go out.

Heating and vent inspection – Make sure the flues and vents throughout your heating systems are clean and clear of debris. Blocked vents can cause a dangerous carbon monoxide build-up in your home. If you are unsure how to check these, a professional inspection is quick and inexpensive, and will eliminate concern.

Alarm installation and inspection – Carbon monoxide detectors and smoke alarms are a must—they save lives. It is always critical to ensure the alarms in your home are properly installed, inspected, and have fresh batteries in order to provide the required protection.

Being prepared goes beyond having your home's systems ready. Some emergency preparedness tips for the family are:

·       Have a plan in place to ensure your family has water, flashlights, extra food, and a few other necessities.

·       Something as simple as a solar charger for a cell phone can be a lifesaver, allowing you to receive much needed information.

·       A battery-powered radio is also a good backup way to stay informed.

·       Know your city's emergency shelters.

·       Review your insurance policies for adequate coverage.

·       Practice what your family will do in the event of an emergency.
Source: Gold Medal Service

Published with permission from RISMedia.


Tags:

Add Family Fun to Chores

September 26, 2017 1:45 am

(Family Features)—When school is in session and just getting out the door is an accomplishment, having go-to routines can help make ordinary activities more exciting for the entire family. However, if you encounter resistance to everyday household tasks, you may just need a simple revamp to make activities more entertaining and engaging.

Refresh your family routines with these ideas designed to create more willing participants:

Trash Duty

No one likes taking out the trash, but with a nudge, even little helpers can find fun in this mundane chore. Ask for help sorting materials in the recycle bin for an educational chance to throw things without getting into trouble—or try timing how long it takes to gather trash from the bedrooms or bathrooms, and set a goal to break that record next week.

Personal Care

Getting kids to brush not once, but twice a day can be an onerous endeavor, but making the activity silly may be just the answer. The "Silly Brushing Song" is a fun, interactive music video and tool for parents that Tom's of Maine created in partnership with children's singer and songwriter Laurie Berkner to help get kids brushing for a full two minutes, twice a day, as recommended by the American Dental Association.

Yard Work

Tools made for pint-sized helpers can make all the difference in getting junior gardeners on board—and so can setting small, attainable goals so they can celebrate a sense of accomplishment. Try designating a flower bed to get rid of leaves or a section of the yard that needs sticks removed. Be sure to demonstrate proper techniques and give frequent praise for a job well done.

Clean-Up Time

It's no secret that kids can destroy a room in minutes, especially when it's a room filled with their favorite toys. When it comes to cleaning up, all that mess can be overwhelming. Look for ways to make the chore more manageable, such as picking up all the cars and trucks first, then the building blocks next, etc. Sing songs while you work to help make the time go faster.

Pet Care

For many households, pets are not only beloved members of the family—they're living, breathing lessons in responsibility. Once the novelty of a new animal wears off, however, so can the excitement of feeding and walking. A simple sticker chart can be a hands-on and effective way to remind kids that this is a chore that needs to be completed every single day. Plus, pet care can be a fun way to introduce children to the importance of responsibilities and becoming a "big kid." For added fun, make your own stickers using funny photos of your family pets.

Source: Tom's of Maine

Published with permission from RISMedia.


Tags:

It's Not a Bug; It's Stress

September 25, 2017 1:09 am

If concerning aches, pains or other physical ailments have you on your way to the doctor for tests, be sure not to rule out stress. While it's easy to recognize the emotional effects of stress, you may be unaware that stress takes a physical toll, as well. The mind/body connection runs deep and stress will start to present itself in a variety of ways. Here are five physical symptoms that may actually be caused by stress, according to Self magazine.

1. Exhaustion – Our brains produce the hormone cortisol to give us short boosts of energy to get us through stressful situations. Feeling stressed for an extended period, however, releases too much cortisol, which can cause us to feel wiped out.

2. Gastro Pains – The excess production of cortisol along with epinephrine during stress can wreak havoc on your gastrointestinal system and cause cramps. Stress also exacerbates the symptoms of irritable bowel syndrome.

3. Chest Pain – When you feel anxious or stressed, neurotransmitters are activated through your sympathetic nervous system, which can create a feeling of tightness in your chest. This leads many to fear they're having a heart attack, but chances are, your heart is just fine. Stress can also intensify heartburn, which can also mimic a heart attack.

4. Hair Loss – Everyone loses about 80 hairs or so a day, but increased cortisol due to stress puts your body in an inflammatory state, which means nutrients that usually go to your hair follicles go to other parts of your body instead. This can cause follicles to slow or stop production. Talk to your dermatologist about special shampoos and supplements.

5. Skin Issues – Skin rashes like psoriasis or eczema are intensified during stress. Similarly, the inflammatory state caused by stress also often leads to skin blemishes, such as acne.

While your doctor can offer medications and supplements to treat the above symptoms, remember that the ultimate cure is getting to the root of the problem and relieving the stress.

Published with permission from RISMedia.


Tags:

3 Reasons Your Travel Insurance Claim May Be Denied

September 25, 2017 1:09 am

Travel is a fun and exciting hobby; however, when something puts a wrench in your travel plans, it can quickly morph into a stressful and expensive nightmare.

Misunderstanding a travel insurance policy can lead to an automatic denial when it's time to file a claim. Below, Squaremouth explains three common reasons travel insurance claims are denied, and how to give yourself the best chance of getting your claim approved.

You Were Inconvenienced, Not Interrupted

Some travelers think their insurance will pay out because their trip didn't go as smoothly as they planned; however, in order for a traveler to be covered by their travel insurance, their trip must be cancelled, cut short, or delayed by a circumstance listed in their policy. If the reason is listed, they can be refunded for out-of-pocket trip payments, as well as additional expenses incurred.

Travel Insurance Claim Tip: Don't assume you're automatically covered if anything goes wrong. If you have specific concerns, make sure they are covered by your policy. If you are worried about something that your policy does not cover, you may be able to cancel the policy for a full or partial refund.

You Bought the Policy Without Knowing You Were Ineligible

Travel insurance only covers unforeseen events; however, many travelers think they can buy travel insurance after they become sick. If a traveler is already sick when they buy their policy, any claim related to that same illness will not be covered.

Travel Insurance Claim Tip: Some policies have the Pre-Existing Condition option, which can refund a traveler if their trip is impacted by an existing sickness or injury. To get this coverage, you usually must buy a policy within 14-30 days of making your first trip payment; however, even with this coverage, you must be medically able to travel when you buy a policy.

You Forgot to Keep Your Receipts

In order to be refunded, travelers typically need to provide proof of the expenses they incurred. Receipts are required to authenticate a claim, whether it's for a cancellation, delay, or medical emergency.

"We ask for receipts to prove the traveler made the payments they say they made, and to verify what happened," says Squaremouth Claims Director Brandi Morse. "Keeping your original receipts can speed up the process and improve your chances of getting your claim approved."

Travel Insurance Claim Tip: Ask for receipts to document any expenses incurred. If you forget, or if receipts are not available, your bank or credit card statement will usually prove you made the payments you are claiming for.

Source: Squaremouth

Published with permission from RISMedia.


Tags:

How-to Save Money While Shopping

September 25, 2017 1:09 am

(Family Features)—There's shopping for pleasure, then there's shopping for purpose. The latter is never quite as fun, but taking a practical approach to buying household necessities can help save money so there's more to spend on the shopping you enjoy most.

Tackle your household shopping with these cost-conscious tips from the experts at Scott Brand:

Keep a list. Knowing which groceries and supplies you have on-hand before heading to the store makes it easier to avoid overspending. Try an app on your smartphone to maintain a running shopping list. Look for one that includes sharing features so others in the household can let you know when they use the last of something that needs replaced.

Pull in price-cutting resources. Start by looking at store ads before heading out to shop so you know where to find the best deals. Plan your week's meals around sale items for an extra bang. Be sure to clip coupons from the local paper and print more coupons online. Also remember to do price comparisons at online shopping sites, especially those with subscription services that deliver items on a regular schedule with a steep discount.

Shop for value. Instead of simply purchasing the cheapest product, do your research to know which product offers the best value. Determining which products will meet your family's needs in terms of performance and long-lasting value at the lowest price can help you save in the long run.

Know when bulk spending is better. While it will likely make a larger dent on your wallet at the store, buying in bulk can provide long-term financial gain. Because you're buying in quantity, you'll likely be purchasing products that will last longer to help delay a return trip to the store. One way to minimize the "ouch" of the upfront expense: stagger your bulk-buying so you're restocking items over time, rather than all at once.

Avoid impulses. Especially when you're shopping with family members, it's easy to watch the shopping cart grow full with each "bargain" item at the end of the aisle. Unfortunately, these impulse buys can add up quickly. Instead, invite the whole family to help build a reasonable list and then help keep each other accountable to it. If you make it all the way to the register, reward yourselves with a small snack or treat from the check-out aisle.

Source: ScottBrand.com

Published with permission from RISMedia.


Tags:

Bank Card Defaults Drop, Mortgage Defaults Tick Up - What Does it Mean?

September 21, 2017 12:47 am

In some good news for the economic outlook, the bank card default rate recently experienced its biggest drop in 12 months this past July, down 18 basis points to .86 percent, according to the S&P Dow Jones Indices and Experian data. Meanwhile, auto loan defaults increased by four basis points, and the first mortgage default rate increased two basis points from June.

However, it’s important to look at the big picture. Though the National bank card default rate experienced its biggest drop in 12 months, it is still high. The bank card default rate set a recent low at 2.49 percent in December 2015. Since then, it moved irregularly upward before the July drop; it is now 3.31 percent. The composite, auto, and first mortgage default series are all close to their levels in July 2016.     

“Default rates for autos and first mortgage loans are at their lowest points in the last ten years, while bank card defaults remain modest,” explains David M. Blitzer, managing director and chairman of the Index Committee at S&P Dow Jones Indices. “Consumers’ use of credit is growing and the level of consumer credit outstanding is at an all-time high. In the year ending June 2017, consumer credit outstanding rose 5.7 percent, outpacing most spending categories across the economy. However, retail sales excluding autos as well as auto sales are down slightly since April, while home sales are little changed in recent months.

“While total consumer credit is at an all-time high, revolving credit – principally bank card loans – is close to the same level as mid-2008 early in the recession and financial crisis. At that time, revolving credit accounted for 38.5 percent of credit balances compared to 26.5 percent today. The revolving credit share of the total has declined steadily since 2008. The share of non-revolving credit rose and total non-revolving climbed from 61.5 percent to 73.5 percent of total consumer credit usage. The largest components of non-revolving credit are auto loans and student loans. Auto loans currently are about 40 percent of non-revolving credit. Student loans are the largest factor in the growth of non-revolving credit since 2008. Currently, they represent about 51 percent of non-revolving credit outstanding and 37.6 percent of total consumer credit outstanding.”

So while the economy continues to show gradual improvement on a macro level, debt continues to be a blight in terms of full recovery. Meet with your financial advisor to review your personal credit and debt scenario to see how you may be able to make improvements to the overall picture.

Published with permission from RISMedia.


Tags:

Easy Ways to Make Better Food Choices

September 21, 2017 12:47 am

(Family Features)--Maintaining a healthy diet can be easier than you think if you make your eating habits a priority and know how to make smart food choices.

For the best results, choose foods from all five major food groups with help from these tips:

Fruits and vegetables. Fruits and vegetables are naturally low in fat and contain necessary fiber, vitamins and minerals. Rather than serving fruits with cream cheese or sugary sauces, opt for nut butters or organic honey, and toss raw, steamed, boiled or baked vegetables in olive oil, salt and pepper instead of buttery sauces.

Protein. Select low-fat, lean cuts of meat and season them with herbs, spices and low-sodium marinades. Baking, broiling, grilling and roasting are the healthiest preparation methods. Try swapping ground beef for a lean or extra-lean cut, or opt for ground chicken or turkey instead. Non-meat protein options such as dry beans, peas and lentils can even be swapped for meat in recipes such as lasagna or chili.

Dairy. Choose skim or non-dairy milk, like soy, rice or almond milk, and use low-fat or part-skim cheeses in recipes. Nonfat or Greek yogurt can replace sour cream in many recipes and options like sherbet and soft-serve frozen yogurt are lower in fat than ice cream.

Grains. Choose products that list whole grains as the first ingredient, as they are low in fat and high in fiber. Some easy swaps include whole-grain flour, pasta and rice, as well as bypassing doughnuts and pastries for English muffins or bagels and opting for unsalted pretzels instead of potato chips.

Fats, oils and sweets. Too many high-fat foods can add excess calories to your diet, which can lead to weight gain and obesity, or increase your risk for certain health issues. However, a small amount of heart-healthy fat is actually good for you. When it comes to sweets, fig bars and gingersnaps make for healthy alternatives to cookies. Also beware of calorie-laden condiments and opt for nonfat and light mayonnaise and salad dressings instead.

Source: Family Features, Nice!

Published with permission from RISMedia.


Tags: