Liz Hieter
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The First Steps for Your First Home

August 1, 2017 1:24 am

If you’re diving into homeownership for the first time, don’t panic. This is an exciting (albeit stressful) time, and there’s a lot to consider. To help, SunTrust offers the following tips when considering a first-time home purchase:

Understand Your Initial Expenses. The down payment and closing costs can really add up, but don't forget to budget for moving expenses. These include everything from truck rental to setting up water, power, cable, internet and more.

Organize Your Finances. While there are different types of loans for different needs, your finances will be thoroughly evaluated during the credit application. Make sure they are organized so you can better retrieve them throughout the application process.

Get Pre-Qualified. Lenders can use your income and credit history to give you an estimate of the home loan amount for which you qualify. The pre-qualification amount can be a helpful guideline when you are considering which properties to purchase.

Create a Realistic Timeline. Even with a pre-qualification, loans can take weeks to be finalized. Work with a loan officer to decide the best type of loan for your situation and make sure your loan will be ready in advance of your closing.

Source: SunTrust

Published with permission from RISMedia.


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Better to Buy or Rent? Depends on Location

August 1, 2017 1:24 am

If you’re wondering whether to buy or rent, you should know that your location matters. To help home-seekers better navigate the housing market in their community, GOBankingRates surveyed all 50 states and the District of Columbia, and identified which states are best for buying a home and which are better suited for renting.

1. Arizona

Monthly rent: $1,273
Monthly mortgage: $1,326

2. Colorado

Monthly rent: $1,807
Monthly mortgage: $1,918

3. Washington, D.C.

Monthly rent: $2,632
Monthly mortgage: $2,718

4. Hawaii

Monthly rent: $2,433
Monthly mortgage: $2,916

5. Idaho

Monthly rent: $1,187
Monthly mortgage: $1,299

6. Montana

Monthly rent: $1,239
Monthly mortgage: $1,420

7. Nevada

Monthly rent: $1,293
Monthly mortgage: $1,373

8. North Carolina

Monthly rent: $1,157
Monthly mortgage: $1,233

9. Oregon

Monthly rent: $1,642
Monthly mortgage: $1,704

10. Utah

Monthly rent: $1,440
Monthly mortgage: $1,606

11. Wyoming

Monthly rent: $1,166
Monthly mortgage: $1,174

 
Source: GOBankingRates.com

Published with permission from RISMedia.


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How to Eat Like an Italian

August 1, 2017 1:24 am

It’s long been rumored that a Mediterranean style of eating is great for your health. But what is a true Mediterranean diet, and how can you emulate one at home? According to, the Society for Vascular Surgery, "Mediterranean diet" is a catchall phrase for cuisine found in Mediterranean countries. The diet generally features lots of fish and non-red meat sources, extra-virgin olive oil and plenty of fruit and vegetables, with additional flavor coming from herbs and spices, not salt.

A diet following these guidelines has been shown to improved vascular health and reduce deaths from cardiovascular issues. Below are a handful of tips to guide you:

1. Less salt, more flavor. The sodium in salt contributes to high blood pressure, which is a risk factor for artery disease. High blood pressure causes blood to pump harder through the vessels, which stresses and weakens them. The American Heart Association recommends 1,500 mg of sodium per day as an ideal goal, and no more than 2,300 mg.

TIP – Cut back on salt; perk up flavor with herbs, spices, garlic, onions, vinegars, lemon juice and other favorite flavorings. Seasonings popular in Mediterranean cooking are basil, chilies, cloves, cumin, fennel, garlic, marjoram, oregano, pepper, rosemary, sage, savory, tarragon and thyme.

TIP 2 - Avoid pizza. As an example, one slice of meat-topped pizza from a national chain has 1,300 mg of sodium, according to the company's website.

2. Eat salmon or mackerel. These fish are rich in omega 3 fatty acids, which inhibit plaque inside the arteries, reduce blood clots and may increase good cholesterol and lower blood pressure. The American Heart Association recommends eating fish twice a week. Other high omega 3 fish choices: cold-water varieties like tuna, trout, sardines and herring.

TIP – Fresh salmon can be pricy, but diners can save money by following the next tip.

3. If you like beef and pork, choose lean cuts, only occasionally and keep portion sizes moderate. Avoid lamb and poultry with skin. These are all high in saturated fats, which contain dietary cholesterol that can build up in the arteries. Researchers are still looking at the causes and effects of eating red meats, but until scientists have definitive answers, moderation is best.  

TIP - Get protein from beans, legumes and nuts. Plant-based proteins are filling and healthful; think minestrone soup with beans or quinoa with pine nuts.

4. Eat more whole grains. Whole grains found in Mediterranean cooking include barley, oats, polenta, rice and couscous. Whole grains have soluble and insoluble fiber, which can help improve blood cholesterol levels by preventing the absorption of cholesterol in the intestines. Whole grains also are associated with a lower risk of cardiovascular diseases, obesity and type 2 diabetes.

TIP – Avoid highly refined white bread, such as that in garlic bread, and white flour pasta.

5. Make fruits and vegetables a staple. In Mediterranean cuisine, a rainbow of vegetables and fruits are used in abundance. Not only do fruits and vegetables add vitamins and fiber to the diet, a new study has found that eating three or more servings per day is associated with a significant decrease in developing peripheral artery disease (PAD) and the foods are also associated with fewer heart attacks and strokes.

TIP – Fresh or frozen fruits and vegetables are better than canned. Avoid adding extra salt or sugar for maximum benefit.

6. Use extra-virgin olive oil in place of other fats. Olive oil, which contains monounsaturated fatty acids (MUFAs), may have important health benefits. According to the Mayo Clinic, MUFAs may lower bad cholesterol and improve the function of blood vessels. They also may help with insulin and blood sugar control, which is good for diabetics.

TIP – Avoid trans fats, such as those in margarine and some commercial baked goods, as they contribute to artery disease

Source: Society for Vascular Surgery

Published with permission from RISMedia.


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Digital Communication: Anytime, Anywhere

July 31, 2017 1:24 am

How do you chat to colleagues at work? According to two surveys recently conducted by Robert Half Technology, most professionals still believe email reigns supreme in the workplace.

Survey results show that nearly three-quarters (73 percent) of CIOs and 53 percent of office workers still think email will be the most common way to communicate internally through 2020. Quicker, less formal means of touching base may also be gaining favor, as those who believe email is on the way out cited instant messaging as the most likely replacement.

When asked which communication channel is most effective for planning, strategizing and follow-up, though, office workers from various industries and roles ranked in-person meetings first (37 percent), followed by email (27 percent), instant messaging (19 percent) and phone calls (9 percent). Perhaps unsurprisingly, busy CIOs favored email (41 percent), followed by in-person meetings (22 percent), instant messaging (13 percent) and phone calls (9 percent).

Although email is expected to remain the most popular form of workplace communication, more than one in four professionals (28 percent) surveyed cited instant messaging as their primary channel for communicating with coworkers. One reason may be immediacy: 76 percent of workers surveyed said they feel more pressure to respond immediately to instant messaging versus email, and 90 percent expect an immediate response when they send an instant message. Following are some additional findings on how workers view instant messaging:

Rules of Engagement: 54 percent of professionals said their company has clear rules about how to use its internal messaging platform, like a requirement to update status as "Online," "Busy" or "Away" to keep colleagues informed.

Do Not Disturb: Nearly two-thirds (65 percent of respondents) have received a message when their status is set to "do not disturb" or "busy," and 30 percent of those professionals said they were "annoyed" by the intrusion. Professionals thirty-five and older were more annoyed than their younger colleagues and more likely to refrain from sending a message when a coworker's status is "busy."

Open for Business: Most professionals said their primary motivation for staying "online" with their organization's messaging platform was to inform coworkers they are working and available (56 percent). Other respondents use it to quickly access their colleagues (22 percent) and talk to fellow employees in real-time (17 percent).

Source:  Robert Half Technology
 

Published with permission from RISMedia.


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Redoing Your Bathroom or Kitchen? Faucets First

July 31, 2017 1:24 am

If you’re planning a home renovation, there are dozens of details you’re likely juggling. When it comes to the bathroom and the kitchen, the experts at Moen suggest starting with the faucet and building out. If you aren't sure where to begin, Moen suggests that a wholesale showroom may be a good starting point to get ideas "flowing." Below are their top tips for faucet shopping:

Do Your Faucet Research
Beginning is as easy as logging onto your computer. Simply search the terms "wholesale plumbing showrooms," along with your city, and you'll quickly have a list of showrooms in your neighborhood. In addition, many manufacturers offer "Where to Buy" functions on their websites which provide a list of local showrooms located within a certain radius of your home.

Before venturing out to your local wholesale showroom, be sure to check which are open to the public and which are for trade professionals only. Showrooms that are open to the public may have consumer orientation programs and tours, which is a great way to familiarize yourself with the showroom and see if they offer your favorite brands. If you don't have the opportunity to take advantage of the tours, you're welcome to simply visit the showroom and look around on your own or take a virtual tour online.

Compiling a list of questions, as well as brands and specific products you find interesting, may also help streamline your wholesale showroom shopping process. Eighty two percent of shoppers consult the internet about a purchase they're about to make in-store*, but a showroom can save time by providing the answers you need in-person and help turn your online dreams into a reality.

Browsing and Buying Faucets at Showrooms
One advantage of wholesale showroom shopping is seeing the most innovative and stylish products from today's top designers and manufacturers. For example, when looking to purchase a new faucet, wholesale showrooms display many of the latest products with innovative features such as pulldown and pullout spouts, as well as new finishes including stainless, oil rubbed bronze and matte black. Showroom consultants can be another great resource and advantage. Also versed in the latest trends, they can be helpful in recommending products to suit your lifestyle. In addition, showrooms often feature products in vignettes made to look like actual kitchens and baths.

Happy Faucet Shopping
Don't be overwhelmed with the size or number of products offered at many showrooms. Remember that the showroom consultants are there to be your guide – to assist in your selection process and serve as a valuable resource. Also, don't be afraid to share a realistic budget with the consultants. It will only help you both in selecting products that are right for you and your home. Lastly, enjoy the experience! Showrooms are a virtual wonderland of new products, styles and trends and have offered design inspiration to thousands of homeowners.

Source: Moen

Published with permission from RISMedia.


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Hittin’ the Road With Rover

July 28, 2017 1:24 am

There’s nothing like the excitement of packing up the family for that greatly anticipated road trip… except when you have to leave your best friend behind. A recent survey from Nature's Recipe® found that although two-thirds of pet parents nationwide wish they could take their pup on every trip, nearly half avoid traveling with their dog due to the hassle.

To help solve the dilemma, Nature's Recipe enlisted travel expert and author of AdventureGirl.com, Stefanie Michaels, for the following tips on how to take your pup along on your next adventure:  

Choose a trip that suits your dog: Select a destination that works for your dog. For example, if your trip involves long hikes and your pooch is elderly or not in the right condition for such exercise, this may not be the best vacation for him or her.

Find pet-friendly lodging: There are a lot of dog-friendly hotels around the country but many have a specific amount of rooms allocated for pets, so make sure to book ahead of time.
Pet food on-the-go: Instead of packing pet food ahead of time, lighten the load by purchasing dog food at when you arrive destination.

Pack for your pup: Be sure to bring a few things that matter to your dog: favorite toys, treats and chew toys, a blanket, food and water bowls, and an extra leash.

Keep your dog entertained: Investigate places along the way that you can enjoy with your dog as opposed to leaving him or her in the car. Look for outdoor events, parks, and pet-friendly restaurants. This will make the trip more memorable for the entire family.

"I've traveled to hundreds of places and many of my favorite trips included my four-legged family members," says Michaels. "Bringing your pets on trips can be a great bonding experience."

Source: Nature’s Recipe

Published with permission from RISMedia.


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Summer Water Conservation Tips

July 28, 2017 1:24 am

Whether you live in a drought-prone area or are just trying to green up your home routine, there are many ways you can conserve water this summer. Below are a few:

Take shorter showers. Luckily, hot weather makes it easier to take shorter showers, as you don’t need to wait for the water to heat up. Cut water off while you shampoo or shave, then turn it back on for rinsing.

Install aerators on your faucet. This device mixes air with water, which causes you to use less. It's a simple way to conserve water while using your faucets without even thinking about it.

Invest in energy efficient appliances that use less water, like your toilet, washing machine or dishwasher.

Double check your plumbing for leaks – either from toilets or faucets. There are a couple different ways to do this, so we suggest calling a local plumber to help determine the best approach for your home.

Source: Benjamin Franklin Plumbing®

Published with permission from RISMedia.


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How to Include More Nutrients into Your Diet

July 28, 2017 1:24 am

(Family Features)--A nutritious diet is crucial for overall health and well-being. While it's OK to indulge from time to time, it's important to make sure you're providing your body with appropriate nourishment.

There are many ways to help you add more of the essential nutrients you need into everyday meals, including these nutritious ideas from CocoaVia.

Sneak in More Fruits and Vegetables. You can bulk up the nutritional value of nearly any meal by incorporating fruits or vegetables directly into your recipes. Pureeing veggies is a good way to disguise textures or flavors you might typically avoid. For example, celery is a natural flavor enhancer for many types of broth soup. Adding finely pureed celery to the stock will add the flavor without the crunchy bits. You can also slip vegetables like spinach or carrots into smoothies, and depending on the base and fruit, you may never even taste them. Fresh, canned or frozen, fruit can give a boost of nutrition to dishes like oatmeal or pudding. You can also use purees (think applesauce) as a low-fat substitute for eggs and oil in baked goods like cake.

Go Frozen. Fresh fruits and vegetables provide a wealth of essential vitamins and nutrients, but you may be surprised that their frozen counterparts do the same. Frozen foods are often perceived as less nutritious, but they can contain just as many nutrients as fresh produce. In fact, since freezing often involves picking the food at its peak and then quickly freezing it, freezing can actually help retain vitamins more efficiently than refrigeration or canning; frozen vegetables can actually hold on to nutrients longer than fresh produce and are a great alternative when seasonal fruits and vegetables are unavailable. In many cases, frozen veggies also make it easy to experiment with better-for-you meals because the cleaning and prep work is already done. You can try adding them to soups, stir-fries, casseroles and even pasta dishes.

Cook Quickly. If you've historically shied away from cooked vegetables, you may find that proper preparation is the secret ingredient. Not only does overcooking veggies deplete their flavor, in most cases it also diminishes their nutritional value. Cook veggies lightly and quickly using methods like stir-frying or steaming to help retain water-soluble nutrients like vitamins B and C.

Get Saucy. You may think of dishes covered in rich gravy or sauce as unhealthy, and in some cases, you would be right. However, it's actually quite possible to create saucy dishes that taste terrific. Both tomato sauce and pesto add nutrients and can top pretty much anything, from pastas to grilled chicken. Tomato sauce contains lycopene, a bright plant pigment known as a carotenoid that has been linked to a range of health benefits. Pesto is traditionally made with healthy pine nuts and basil, but you can also get creative and prepare this light sauce alternative with options such as arugula, spinach and heart-healthy walnuts or pecans.

Consider Cocoa Flavanols. Another option to consider adding to your diet is cocoa flavanols. These plant-based phytonutrients are found naturally in cocoa, and research supports that these flavanols work within your body to help maintain healthy blood flow. While chocolate, including dark chocolate and natural (non-alkalized) cocoa powder, can be sources of cocoa flavanols, they are often not a reliable source of cocoa flavanols. The way cocoa is handled matters in the retention of these phytonutrients. However, one easy way to add cocoa flavanols to your routine is by incorporating a daily cocoa extract supplement, such as CocoaVia, which contains the highest concentration available in a cocoa extract supplement today.

Source: CocoaVia

Published with permission from RISMedia.


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How to Up the Cozy Factor in Your Home

July 27, 2017 1:18 am

Looking for a home so cozy you almost want to cuddle with it? The follows design elements can create a comforting, warm space that you will never want to leave.

Warm colors. Add warm colors to your walls, accents, linens window hangings and more to create a snuggly vibe inside. Deep orange, rusty reds, buttery yellows and soft off-white colors can all add a “stay at home” vibe to your space.

Plush textures. From fleecy blankets thrown over every chair, to faux-fur pillows and rugs, having textures you want to lounge on will seriously up the cozy factor in your living space.

Soft lighting. Nothing derails a cozy home faster than harsh lighting. Add dimmers to your overheads and add ample accent lights on the walls and tables for a soft, warm glow.

Well designed storage. Clutter is the antithesis of a cuddly space. From properly organized closets to sneaky storage spaces (like under your sofa seats or automan), having a place to stow away your belongings that aren’t being used will create a sleek vibe.

Extra lounge areas. Move past the living room set for lounge spaces. An oversized sofa, a sweet day bed, a hammock, big cushy floor pillows--all of these lounge areas can up the cozy ante in your home.  

Published with permission from RISMedia.


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How to Have Happier Children on Vacation

July 27, 2017 1:18 am

Vacation is fun and exciting. But when traveling with children, things can get stressful--especially when you’re exposing young children to new experiences and taking them out of their routings. So how can you ensure your kids are relaxed and at ease while traveling?

According to Booking.com, parents said that the two most important things to avoid disaster were to bring travel games and books to occupy their little ones as well as having a first aid kit handy (both 43 percent).

This was followed by:

- Packing emergency snacks (42%)
- Covering kids in bug spray/sunscreen (41%)
- Making sure that they brought familiar comforts, so the space feels like a home away from home (33%)
- Packing key items (e.g. swimsuit/ski gear) separately or at the top of the suitcase (31%)
- Checking out the fastest way to the beach/ski slopes (28%)
- Packing travel adapters and chargers at the top of the suitcase (25%)
- Enrolling kids into a club prior to arrival (12%)
- Renting a stroller (8%)

Even so, two in five parents (41 percent) believe that the first 24 hours of a trip can be memorable - it's sometimes the trials, tribulations, excitement and drama that are the things which can really make a vacation special.

Source: Booking.com

Published with permission from RISMedia.


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