December 9, 2011 3:50 pm
In a comprehensive study published in the journal Social Science & Medicine, 2010, researchers discovered significant spikes in both cardiac and non-cardiac deaths during the holidays. Researchers looked at 57.5 million U.S. death certificates spanning the years 1979 to 2004. It found 42,325 more people died of natural causes during the two-week Christmas/New Year holiday period than would normally be expected, given a typical winter. There also were increases in every major disease group of one-to-ten percent and in every demographic group of three-to-nine percent.
They also warned this unfortunate holiday trend is on the rise.
Additionally, the rate of insurance policies issued drops during the month of December, which compounds the problem even more. During the winter holidays, most people would rather be spending time with family than thinking about life insurance. Many add it to their “New Year’s Resolution” list, but by that time, it could be too late. With this in mind, it's crucially important to not put off opening a life insurance policy until the near year.
Whether one is searching for short-term life insurance or whole life insurance, there is always a solution that allows families the protection they require and the ability to obtain coverage affordably and efficiently. Coverage is subject to age limitations and acceptance is based on a few simple health questions on the online application.
Life is unpredictable and the last thing a person needs is an excuse to put off the financial responsibility to their family due to extensive and time consuming life insurance applications and medical exams.
For more information, visit: www.anicodirect.com.
December 9, 2011 3:50 pm
Cabinetry has long been used to create distinctive kitchens and baths, but by choosing affordable and versatile cabinetry, those same cabinets can be used throughout the home to add style and function to nearly any room. As we head into 2012, smaller spaces, smaller budgets and higher expectations will drive the design of affordable spaces that homeowners will love.
The Living Room
The trend of open living spaces is still strong; however, the living room is becoming smaller in size. Homeowners need to consider making every inch of the home functional for that specific living space. For example, the entertainment center is usually the focal point of the room, so why not make it beautiful? The TV doesn’t have to live on its own with just one purpose; cabinetry can be used to house the TV or to surround it. And, this cabinetry can serve as great storage for everything from DVDs and video game systems to board games.
If reading is also a part of your families’ lives, bookshelves are another dramatic and functional design addition that can be created with cabinetry. It adds valuable storage without taking up a lot of room, plus it’s a great way to display family photos and personal treasures.
As homes are getting smaller, bedrooms are sometimes being used for more than just sleeping. Often it serves as the home’s office or craft room, and with these dual purposes, storage becomes even more important. Cabinetry has the ability to transform into a desk, window seats or a built-in dresser. In addition to being extremely practical, cabinetry has the ability to look like high-end furniture pieces, at a fraction of the cost.
When choosing cabinetry for the bedroom:
• Choose cabinetry with clean lines and neutral finishes that have the ability to work with most any décor, from whimsical to modern.
• Remember, a simple change of hardware can dramatically change the look of a furniture-like piece.
• Consider including areas that can accommodate a child and a teenager in the bedroom layout, for example, where a child can sit and color can adapt to a computer/homework desk later on.
The Multipurpose Room
Another growing trend in today’s homes is the need for a “multipurpose” room. These types of rooms can be used for anything from hobbies to everyday activities such as laundry, ironing, or even a place to use exercise equipment. In creating a multipurpose room, cabinetry presents homeowners with a solution that accommodates the miscellaneous items and activities of a busy family without compromising style. It provides homeowners with functionality, yet has the ability to blend in with the décor of the rest of the home.
A higher level of taste and a demand for functional living spaces don’t have to mean a higher price tag. Think outside of the box in terms of design and use cabinetry throughout the home to enhance your surroundings.
December 8, 2011 9:50 pm
More and more U.S. employees are seeking opportunities to work from home, while many managers and business owners are still reluctant. Some middle managers may be fearful that allowing employees to work from home will adversely affect productivity. However, this does not necessarily have to be true. With the right practical advice, small business owners and contractors who work from home can make the best use of their time without letting their setting affect their workload.
Clear communication and well-understood expectations are essential for making home-based employment work. These five tips can aid those seeking to make home-based employment a smooth transition without a lapse in their work day.
1. Ensure you know what your employer’s expectations are: See to it that there are no unanswered questions about work hours, breaks, company equipment, and so forth.
2. Ensure that your results are communicated to your employer: Working long hours will not matter if your boss is not aware of what you accomplish.
3. Set up an effective work space: Make sure you have a work area that is free of distractions and is also comfortable and separate from the rest of your house.
4. Establish boundaries with your family and friends: Make sure they are aware of the demands of working from home.
5. Assess your progress on a regular basis: Record your achievements and mark your progress along the way. Make regular evaluations to your work habits.
Working from home is ultimately successful when it is treated like a job. In order to convince an employer you are serious about it, the bottom line is to behave in as professional a manner as possible.
Source: Jenkins Coaching
December 8, 2011 9:50 pm
Squirrel-proof feeders and baffles are the easiest way to deter squirrels, but it takes a coordinated effort to be successful. Even then, success is dependent on how resourceful the squirrels are.
It is costly and frustrating to feed squirrels that play havoc on bird feeders. As we all know, squirrels have this amazing way to get into and trash feeders due to persistence and ingenuity. Don't let your bird feeder become a squirrel feeder. To prevent this, try the following:
1. Locate bird feeders so squirrels can’t leap on the feeder. For example, away from the roof or gutter of the house, a tree, off the deck, wires—they can leap 10 feet and navigate along a cable wire effortlessly as well as climb bricks. They can leap 10 feet horizontally, jump vertically five feet and can drop 10 feet.
2. Put red/cayenne pepper in your bird feed. It won’t hurt the birds but it will deter the squirrels. Don’t touch your eyes until you wash your hands.
3. Use safflower seeds, nyjer/thistle seed and natural or hot pepper suet which are not favorites of squirrels. Tube nyjer bird feeders are also less attractive to squirrels.
4. Explore the various types of squirrel proof feeders. Tube feeders enclosed in wire cages can be effective especially with nyjer seed that allows songbirds access while keeping squirrels at bay.
5. Consider weight-activated feeders that close the feeding ports when the squirrel lands. They are metal, and weather and squirrel resistant and may be pole mounted or hung.
6. Battery operated squirrel-proof feeders that flip, dip, tip, and whip squirrels off your feeder. These are effective and generally more expensive.
7. Baffles can be effective for feeders placed on a pole at least six feet from the ground. A 18” baffle or a torpedo baffle, should be placed 1 ½ feet below the feeder. If you have a hanging feeder, mount the baffle on the top, which also protects the seed from rain or snow. However, make sure with a top mounted baffle that the only way the squirrel can reach the feeder is from above and they can’t leap from the side or from below. There are also 22” baffles for 4 x 4 post mounted feeders. Some bird feeders come with baffles built in.
8. Suspend a feeder on a wire between your house and a tree, or between two trees at least 12 feet off the ground with PVC pipe at each end. The PVC pipe will act as a baffle.
9. Feed your birds seed in small doses. The squirrels come, eat their fill and then are less likely to come back frequently. Of course, this works only if you have a few squirrels. If you have more than a few, they can camp out on your feeder. It’s not squirrel proof but can reduce your seed loss to squirrels.
10. Buy a squirrel feeder and place it away from the bird feeder. Hopefully, it will distract the squirrels allowing the birds to eat at their feeder.
December 8, 2011 9:50 pm
Overwhelmed and stressed-out caregivers may view the holidays as a drain of precious energy rather than a joyous occasion. The love, peace and goodwill are replaced with stress, frustration and anger. Everything from the preparation to the actual event can be tiresome.
Here are some suggestions to help make the holidays more enjoyable and less stressful for caregivers. Keep in mind that the holidays can provide unique opportunities to seek better communication, connection and support from family and friends.
Talk to Family Members Before the Holidays – It is common for caregivers to be disappointed with family members who they feel are not "pulling their weight" in the caregiving responsibilities. Consider clearing the air before the holidays. If this is not a direction you want to take, perhaps resolve within yourself to put those feelings on hold, with the intention to discuss the matter after the holiday season passes. In the meantime, enjoy the holiday. After you have decided when and how much to communicate, you can release the tension of holding onto it and enjoy the festivities.
Ask for Help When Needed – Let family members know that your caregiving duties are keeping you very busy. You only have so much time and energy for holiday preparation and hosting duties. Any reasonable person will understand and hopefully offer their help.
Be Honest – It is understandable to have reservations about opening up too much and being perceived as complaining or inadequate to the task of caregiving. However, honest communication about the realities of your caregiving situation offers others the opportunity to respond with assistance or at least be in tune to what is going on.
Give the Gift of Gratitude – After the holidays, write a short thank you note to family members or friends who spent time with your loved one. Emphasize the positive impact their visit, or brief time spent with your loved one had on them. This may reinforce positive feelings from their visit and diminish any discomfort they might have experienced. They might be more encouraged to visit again or be more supportive of your efforts.
The holidays should be a time when loved ones come together to enjoy each other’s company. It should not be stressful because of the sometimes tiresome task of taking care of elderly loved ones. By utilizing these tips, you can make your time with family members more enjoyable this holiday season.
December 7, 2011 9:48 pm
Thanksgiving has come and gone and December is here. The holidays are in full swing, and for many people that means the corporate holiday party is right around the corner. Event planners and individual party planners alike have spent weeks - if not months - planning that ideal party for their corporate clients.
But what about those that still want to have a holiday bash and have been putting off reserving a space? Or maybe the boss just dropped a last-minute holiday party idea in your lap, or your original venue fell through, and you’re certain it’s too late in the game to make it a successful party. There’s almost always still time to pull it off.
There are a few insider tips that will increase your chances of landing a great party venue, even for a prime date this late in the season, and save some money in the process.
Dedicated event spaces are usually better and can be less expensive.
For many people, their first thought for a holiday party space is a hotel or conference center, but there are absolutely better options. Venues which are designed specifically for special events, can be far more exciting for the guests, much more elegant, and – believe it or not – can be less expensive than conference centers.
You can still get the perfect date, even at the last minute.
This late in the game, your first date choices may be reserved, but don’t be afraid to think outside the box. In the corporate party world, the two weeks just before the 25th are the busiest for parties. Within those two weeks, Thursdays always go first, followed by Wednesday, Friday and Tuesday, in that order. But if you’re late pulling the trigger, and you still want one of those prime days, you could still be in luck.
To grab one of those coveted days at the eleventh hour, inquire about other time slots on those days. Prime time for holiday parties is usually 6:30 pm-10:30 pm, which still leaves plenty of time for your holiday party to be a holiday luncheon instead, and that will typically save 25-35% over an evening party.
You can save big on catering by “piggy-backing.”
Booking earlier time slots is not only a great way to get the date you want, it’s also a great way to save a significant amount on your food costs - one of the best-kept secrets in the event planning industry.
When you book an earlier time slot and there is an evening event after yours, you’re essentially sharing the day with the other parties scheduled for that day. Talk to the catering director at the venue, and if you’re willing to choose an identical menu, the venue saves money on the food costs and should be willing to pass those savings on to you.
In any case, booking a large holiday event in a rush can be a very difficult and stressful task, but it’s not impossible. The best bet is always going to be finding a true event venue that offers one-stop shopping from planning to catering to entertainment. It’s important to remember that these venues are still out there and available for your holiday party— even if you’re planning at the last minute.
Source: Alli Hertz, director of Special Events at Metronome Hospitality Group
December 7, 2011 9:48 pm
From winter’s blizzards to summer's thunderstorms, the weather can wreak havoc on your home. Some of the most common weather damage claims involve missing shingles, toppled trees, and water damage from rain or melting snow. Not every weather damage claim will be covered under the standard homeowner’s insurance policy, however, so it’s important to know the difference.
What Is Generally Covered Under Standard Policies
The coverage under any homeowner’s policy depends greatly on the type of policy that has been selected. The most comprehensive policy in the market will likely provide coverage for the following types of weather damage, with some caveats:
-Wind and Hail (exterior damage only unless the weather caused an opening in the home)
-Damage from Falling Debris (including trees and branches)
-Water damage from rain, only if the storm was responsible for allowing water to enter the home
Remember that damage to the contents of the home is only covered if the policy includes contents coverage; it is important to consider this when shopping for a home insurance quote.
Optional Coverage and Uninsurable Perils
Standard homeowner’s policies do not provide coverage for certain weather-related perils; these include preventable issues or maintenance issues and certain predictable weather-related items. Homeowners will require optional coverage for earthquake damage. This is separate from standard home insurance because it is a peril specific to the area in which the home is built.
Some items are considered uninsurable perils – this means that there is no coverage available for these items under any policy. These are items considered preventable by homeowners and include:
-Freezing of pipes and resulting damage
-Snow melting or movement
-Water damage for water entering the home due to poor maintenance
Taking Action to Prevent Weather Damage
There are steps homeowners can take to reduce or avoid weather damage. It is always the homeowner’s responsibility to take action and keep their home as safe as possible. Not all weather damage can be prevented, but everyone can reduce the risks. A home can be kept safe from some types of damage by:
-Taking appropriate steps to prevent pipes from freezing especially in cottages not in use.
-Clearing away snow build-up from roofs and areas where snow slides might take place.
-Keeping roofs in good condition to stand up to stormy weather.
-Awareness of specific dangers in the area where the home is located, such as bodies of water that could flood, and taking appropriate measures.
Prevention is always a better choice than filing a claim and having to make repairs, so homeowners should take steps wherever possible to avoid weather-related damage. While a storm cannot always be predicted, potential areas of damage can and preparing for stormy weather is the best way to avoid a claim. When comparing home insurance quotes, it is vital that consumers ask about optional coverage and uninsurable perils on the policy.
December 7, 2011 9:48 pm
Many people underestimate the time it will take to financially recover from a job loss. People continue living a lifestyle that they had while they were working and often use credit cards to fill in the gaps.
Debts can quickly add up, becoming unmanageable if it takes longer than expected to land a job at their previous pay. As the nearly 13.9 million jobless Americans prepare for the holiday season, the following advice and tips can minimize stress and focus on having a positive attitude.
Holiday unemployment survival guide:
-Apply for a seasonal job – According to snagajob.com, hiring managers expect to employ an average of four seasonal workers this year, nearly a five percent increase from last year. Seasonal employees are expected to earn roughly $10.00 per hour, which is unchanged from last year.
-DIY – When it comes to holiday decorating, winter wardrobes and festive dinners stick to doing-it-yourself. Make your own decorations, revamp older winter clothes, and make meals out of what is already in your pantry.
-Freelance –If you're unable to find a full-time job, consider other options such as freelance work. Register on free websites like freelance.com, where employers can connect with freelancers.
-Utilize local non-profits – Most communities have food and toy banks to help those in need during the holidays. For help with holiday meals or toys for children, reach out to trustworthy organizations like the Toy Industry Foundation. Contact your local church or charity bank to see if you can get assistance.
-Don’t stress – Focus on the positive aspects of life such as health, family and friends. Keeping a positive attitude is essential to finding a job in this economy. A positive outlook will shine in job interviews and hopefully help land you a new job sooner.
-Volunteer – Being unemployed is hard to deal with, but people should realize that their situation could be worse. Volunteering at a nursing home or homeless shelter often makes people appreciate what they have and helps them to refocus negative energy. This is also a great way to show support for the local community.
-Network – The holidays offer many networking opportunities. Attending holiday parties, gatherings and church events could be the key to finding a new job.
-Don’t charge holiday expenses – Spending using credit cards when unemployed will only dig you deeper in debt. In the long run, holiday gifts and meals could end up costing you up to 30 percent more than what was originally paid after interest and penalty charges are added on.
Source: Consolidated Credit Counseling Services
December 6, 2011 9:48 pm
Among almost all travel insurance policies, there are elements that are rarely covered. Understanding what will and will not be paid by a claim will help travelers avoid unnecessary frustration. Make sure to read the small print and see if you can find the following:
Underbooked or oversold flights
Travel insurance usually does not protect travelers against underbooked or oversold flights. However, travelers may be able to receive some compensation for a delayed flight or a missed connection. Some travel insurance policies cover any delay of an airline, while others only cover weather or mechanical failure.
If travelers want the ability to cancel in this situation, look for polices from Seven Corners and Travel Insured International. Both travel insurance providers allow travelers to cancel their trip if they are delayed for a certain amount of time.
Most travel insurance providers do not cover pregnancy, however, if travelers encounter complications during the pregnancy, they may be covered to cancel their trip or receive medical treatment while traveling. Look closely at the policy language because some complications, such as physician prescribed bed rest or false labor, may not be a covered complication of pregnancy.
Alternatively, Travel Insured International extends aspects of cancellation coverage for the traveler’s pregnancy or the traveler’s companion’s pregnancy, as long as the pregnancy occurred after the policy was purchased.
Nearly all travel insurance providers will not allow travelers to cancel a trip due to reasons related to war. Most insurance companies insure against unforeseen situations that incorporate a reasonable amount of risk. An act of war is something most insurance companies steer away from, as the amount of loss could be astronomical.
Although war is usually not covered by travel insurance, travelers may be able to find protection within the Terrorism Benefit. The Terrorism Benefit covers travelers to cancel in the event a terrorist attack takes place in a location they will be traveling to. Travelers should take note that civil disorders, riots and acts of war are not considered terrorism, which means they are not covered.
If a traveler is concerned a trip will not happen because of war, find a policy that offers the Cancel for Any Reason benefit. Cancel for Any Reason allows travelers to cancel the trip without explanation, and receive a refund up to 75 percent of the trip cost. To qualify for this benefit, travelers must purchase a travel insurance policy within 14-30 days of the initial deposit payment.
Mental and emotional disorders
Since most policies cover trip cancellation for medical reasons, many people incorrectly assume it includes mental health issues. Travelers should be warned that mental and emotional disorders, such as depression and anxiety, are not covered by travel insurance. However, if a traveler is admitted to a hospital, and the hospitalization prevents a traveler from leaving on their trip, most policies will allow coverage.
For more information, visit squaremouth.com.
December 6, 2011 9:48 pm
The Department of Housing and Urban Development (HUD) recently released its annual report to Congress on the financial status of the Federal Housing Administration (FHA) Mutual Mortgage Insurance (MMI) Fund.
This insurance Fund is the backbone of the FHA single-family and reverse mortgage programs. In reporting on findings of the annual independent actuarial study, HUD indicates that, in the midst of continued weakness in housing markets across the county, the MMI Fund capital ratio remains positive this year at 0.24 percent.
The independent actuaries predict the Fund will return to the Congressionally-mandated threshold of two percent capital more quickly than was projected by last year’s review. The economic value of new insurance endorsements in FY 2011 for the Fund was nearly double that of FY 2010 endorsements, being close to $11 billion.
As was the case last year, the new actuarial study shows that FHA is expected to sustain significant losses from loans insured prior to 2009, and thus its capital reserve remains below the congressionally mandated threshold of two percent of total insurance-in-force. However, the actuaries’ report concludes that, barring a further significant downturn in home prices, the MMI Fund will start to rebuild capital in 2012, and return to a level of two percent by 2014—outpacing last year’s prediction. The actions taken by this Administration have put FHA into a position where the actuaries expect rapid growth in capital once the housing market begins a broad-based recovery.
FHA’s capital reserve ratio measures reserves in excess of those needed to cover projected losses over the next 30 years. The independent actuarial reviews of the MMI Fund estimate FHA’s capital reserve ratio to be 0.24 percent of total insurance-in-force this year, falling from 0.50 percent in 2010. FHA’s total liquid assets (cash plus investments) grew by $800 million since last year, to $33.7 billion. That amount is $1.9 billion higher than at the end of FY 2009, and is also $7.7 billion higher than was predicted last year by the independent actuaries. At the same time, the economic net worth of the Fund fell by $2.1 billion this year, from $4.7 billion to $2.6 billion, as FHA continued to build loss reserves to prepare for greater claims in the coming years.
Losses on loans insured through the first quarter of fiscal year 2009 continue to place a significant strain on the Fund and are expected to reach $26 billion within a few more years. Though they were prohibited in 2009, the ongoing effect of so-called “seller-funded down payment assistance loans” is still significant. The net expected cost of those loans, as projected by the independent actuaries, grew by $1.8 billion over the past year to $14.1 billion. Conversely, the actuaries found that the FY 2010 and FY 2011 books are expected to be very profitable, providing significant net revenues to offset losses on earlier books. Loans insured to-date under the Obama Administration are providing $18 billion in economic value for the MMI Fund. Under the base-case forecast used by the independent actuaries, the FY 2012 book will add an additional $9 billion in economic value to the Fund.
Over this past year, FHA:
• Served more than 1.2 million households and insured $218 billion in single-family mortgages, bringing the active single-family portfolio to more than $1 trillion.
• Enabled more than 585,000 families to become homeowners for the first time. This represents 56 percent of all first-time buyers in the nation.
• Helped more than 362,000 families avoid foreclosure through loss mitigation actions.
• Helped 440,000 families to refinance their mortgage at lower interest rates, saving households an average of more than $160 per month.
• Provided access to credit for close to 40 percent of all homebuyers needing mortgages, including 60 percent of all African-American and Hispanic homebuyers.
• Reduced mortgage payments for 142,000 distressed homeowners through loan modifications. While standard modifications reduced typical payment burdens by 11 percent ($85), FHA HAMP actions reduced average mortgage costs by 24 percent ($218).
For more information, visit www.hud.gov.