Category: Advice

Great Gifts For Moms From All Walks Of Life

May 11, 2023MBEhleAdvice, Gift Ideas, Mother's Day

Mother’s Day is an opportunity to show moms how much they’re loved and appreciated. Though many moms may insist they don’t want anything beyond spending the day with their children, gifts are a big part of Mother’s Day.

No two moms are the same, and though standards like flowers and greeting cards will always have a place on Mother’s Day, the following are some gift ideas that can put smiles on the faces of moms from all walks of life.

Bookworm

There’s no end to the gift options for mothers who love to curl up with a good book. Of course, some new books may delight Mom, but gifts that can improve the reading experience also merit consideration. For example, an ergonomic backrest reading pillow can make bedtime reading sessions more comfortable and ensure Mom’s neck and back get ample support as she reads the latest page-turner. A nightstand book holder also can be ideal for moms who can’t seem to keep track of their bookmarks.

Fitness Enthusiast

Some moms simply love to get in a good workout. Shoppers whose mothers or wives love to break a sweat might want to look into home gym equipment, as many fitness enthusiasts transformed part of their homes into exercise areas during the pandemic. If that sounds like the mom on your shopping list, then a suspension training system won’t take up much room but can provide an intense, full-body workout. A new yoga mat, some wireless Bluetooth headphones or a compression stretching mat are some additional gifts that might make exercise-loving moms smile this Mother’s Day.

Traveler

Moms whose children still live under the same roof may not have much opportunity to travel, but empty nesters and grandmothers might. For such moms, a foldable, hanging travel bag can make it easy and convenient for mom to carry all of her toiletries and access them without taking up what’s often minimal hotel room counter space. For moms who want to document their excursions, a leather travel journal encourages them to note their experiences and gives them something they can revisit for years to come. Of course, some new luggage can make the perfect gift for newly retired moms who can’t wait to start visiting places on their travel bucket lists.

Businesswoman

Millions of moms manage to juggle the obligations of family life with a challenging career. Mother’s Day can be a great time to recognize that balancing act. A self-heating coffee mug can ensure Mom’s morning cup o’ joe doesn’t go cold as she traverses her way through a hectic morning routine. Another great gift is a charging mouse pad that can charge all of Mom’s devices even while she’s working. If you want to help Mom remain calm as she navigates her way through a day filled with personal and professional obligations, an essential oils diffuser can create a sense of relaxation on the most hectic of days.

No two moms are the same. Fortunately, great gifts can be found for moms from all walks of life this Mother’s Day.

What Consumers Can Do To Support Local Farmers

May 4, 2023MBEhleAdvice, Agriculture, Farm, Food, Lifestyle

Farming has never been a vocation for individuals looking for easy work. Farmers typically work long hours, braving the elements regardless of how unpleasant the weather may be.

All that hard work ensures individuals who live in rural, urban and suburban communities have constant, readily available access to healthy foods. Such devotion merits support, and thankfully there are many things consumers can do to show their appreciation for local farmers.

Buy fresh foods at your local farmers market.

Farmers markets are many foodies’ favorite places, but they aren’t exclusive to individuals with a passion for food. Everyone needs to eat, so why not eat foods grown locally, which are generally more fresh and appetizing than imported fruits and vegetables sold at chain grocery stores? Even individuals who don’t typically eat fresh fruit and vegetables can find something delectable at a local farmers market, where anything from homemade tomato sauces to locally raised fresh beef and pork might be on sale.

Order directly from local farms.

Some farmers have embraced the e-commerce revolution and begun selling the foods they grow to consumers via their own websites. Research local farms and determine if it’s possible to buy directly from them. Farms may offer delivery or pick-up, and consumers can enjoy fresh foods even more knowing that they helped farmers earn higher profits by buying directly from them.

Check labels before buying in local grocery stores.

Packaging labels will indicate where fruits and vegetables came from. When possible, choose items produced by local farmers. This may include fruits, vegetables, meat, pork, or even desserts like pies. Locally produced foods often taste more fresh than items sent from overseas or distant farms, and consumers will feel better knowing they helped to support local farmers.

Spread the word.

Get the word out after a satisfying experience with local farms and farmers. Whether it’s buying food from farms or taking advantage of family days that let kids enjoy a day on the farm, sharing positive experiences via social media or word-of-mouth can be a great way to inspire your neighbors to support local farmers as well.

Consumers can do much to support hardworking local farmers. In addition to feeling good about supporting their rural neighbors, consumers also might feel good when they sit down and enjoy a meal featuring locally grown, fresh foods.

3 Steps To Simplify Tax Prep So You Can File On Time

March 30, 2023MBEhleAdvice, Finance

Spring is noted for the sense of rejuvenation it inspires when temperatures warm up and flowers begin to bloom. But in the United States, the onset of spring is followed shortly thereafter by tax season, which typically generates entirely different feelings than the first sight of spring blooms.

The deadline to file tax returns in the U.S. in 2023 is Tuesday, April 18. With that deadline looming, now is a good time to consider these three basic tax preparation tips, courtesy of the Internal Revenue Service.

1. Access your IRS account. Individuals can access or create their IRS account at irs.gov/account. That ensures taxpayers have the latest information about their federal tax account and enables them to see information about their most recently filed return. A visit to irs.gov/account also allows individuals to make payments and apply for payment plans, among other options.

2. Organize your tax records. The IRS urges taxpayers to wait to file their returns until they have all of their records, including:

– Forms W-2 from employer(s)

– Forms 1099 from banks, issuing agencies and others payers, including unemployment compensation, dividends, pension, annuity or retirement plan distributions

– Form 1099-K, 1099-MISC, W-2, or other income statement if you worked in the gig economy

– For 1099-INT if you were paid interest

– Other income documents and records of digital asset transactions, including convertible virtual currency and cryptocurrency, stablecoins and non-fungible tokens (NFTs)

– Form 1095-A, Health Insurance Marketplace Statement, to reconcile advance payments or claim Premium Tax Credits for 2022 Marketplace coverage

– IRS or other agency letters

– CP01A Notice with your new Identity Protection PIN

3. Check your Individual Tax Identification Number. The IRS notes that an ITIN only requires renewal if it has expired and is needed on a federal tax return. An expired ITIN can delay the processing of a return, which in turn can delay tax credits and refunds.

Taxpayers filing with the help of a licensed tax professional are urged to contact that individual to inquire about any additional information they may need to file a return on time. Make such an inquiry well in advance of the deadline to file so you have sufficient time to gather all of the necessary documentation.

More information about filing taxes is available at irs.gov.

Spring Cleaning Tips and Tricks

March 9, 2023MBEhleAdvice, Cleaning, Spring

Spring is a time of year when change is in the air. Trees are budding, plants are flowering, and homes laden with dark or heavy fabrics and clutter could use some lightening up.

Spring cleaning projects are popular this time of year as residents take inventory of their living spaces and aim to declutter, clean and increase efficiency. Some people find the prospect of getting organized overwhelming. Here are some tips that can help anyone master spring cleaning.

· Create a plan. Make a checklist and establish a cleaning plan of attack. Focus on areas that are not regularly cleaned, as they probably need a little attention.

· Assemble your cleaning kit. Spring cleaning can be slowed down considerably if you don’t have all of your equipment at the ready. Items to have on hand include an all-purpose cleaner, concentrated cleaner, microfiber cloths, paper towels, mop, vacuum, dusters, and a squeegee. Adjust your equipment based on the task at hand.

· Curate your cleaning playlist. Create a playlist with songs that will get you moving and motivated to clean.

· Work from top to bottom. Work efficiently by cleaning shelves, ceiling fans and other elevated items first, as dust and debris will trickle down and need to be cleaned next.

· Purchase or rent a carpet cleaner. According to the experts at Clean That Up, carpets help filter indoor air by trapping debris and allergens. By deep cleaning carpets, homeowners can improve the indoor air quality of their homes. Use a carpet cleaner on a warm, dry day so that windows can be opened and cross breezes will help dry the damp rug.

· Clean windows. Wash windows inside and out and utilize their screens to help brighten indoors spaces.

· Deep clean the kitchen. Clean out and disinfect the refrigerator by wiping it down with warm water and baking soda or a vinegar-and-water solution. While in the kitchen, set the oven to the self-clean function so it becomes cleaner as well.

Homeowners also can focus on cleaning curtains (including shower curtains), steam-cleaning upholstery, removing clutter from closets, cleaning out the dryer vent and duct tubing, wiping inside kitchen drawers, and vacuuming under beds and other furniture.

Spring cleaning can bring the revitalizing nature of this beloved time of year into your home.

Strategies To Improve Your Ability To Focus

March 2, 2023MBEhleAdvice, Lifestyle

Distractions have never been harder to resist. According to Deloitte’s “2022 Connectivity and Mobile Trends Survey” (third edition), the average household in the United States now has a total of 22 connected devices. Things are a little less connected in Canada, where a J.D. Power survey of television service subscribers found that the average household has about 10 devices.

The prevalence and accessibility of devices can make it difficult to focus, but tablets, smartphones and other technologies are not the only culprits that can compromise the ability to concentrate. Harvard Medical School notes that underlying medical conditions, the side effects of medication and excessive alcohol consumption can each make it harder to focus. That’s a significant detriment, as an ability to focus can help individuals be more efficient and perform better at work and in school.

Each individual is different, so efforts to improve focus might require a little trial and error until a person finds what works for them. In the meantime, the following are some effective strategies that can help people sharpen their focus and reap all the rewards that a heightened ability to concentrate has to offer.

· Turn notifications off. Notifications are a bigger distraction than people may realize. A 2015 study from researchers at Florida State University found that simply hearing the ping of a notification was as distracting as taking a phone call. Individuals may find the idea of answering as little as 20 or more phone calls per day unrealistic, but researchers have found that the average smartphone user receives around 80 push notifications per day. Such constant inflow of notifications is detrimental to smartphone users’ ability to focus. Turning notifications off while in school or during the workday can help people avoid this seemingly endless stream of distractions, thus improving focus.

· Establish a distraction-free workspace. A survey from McKinsey & Company found that, after the acute phases of the COVID-19 pandemic, 58 percent of employed respondents have the option to work from home for all or part of the week. Remote working may be more convenient, but it also can compromise workers’ focus in ways that are unique to working from home. For example, professionals’ children cannot stroll into their offices when they aren’t working from home, nor are distractions like television within arm’s length in a traditional office setting. Professionals who are finding it hard to focus when working from home can do more to make their home offices distraction-free. Make your home a television-free zone during traditional working hours and remove a television or non-work tablet from your office so you aren’t tempted to watch a show or a sporting event when you’re supposed to be working.

· Adopt a healthier lifestyle. The experts at Harvard Medical School note that many aspects of a healthy lifestyle can help people focus better. Researchers have discovered a direct link between exercise and a person’s ability to pay attention, noting that exercise increases the availability of brain chemicals that reduce stress and improve sleep, among other things. Less stress and a good night’s rest can make it easier to focus.

An ability to focus pays myriad dividends. Individuals can try various strategies to improve their concentration skills and reap the rewards that such improvement provides.

Tips To Pick The Right Time To Retire

February 23, 2023MBEhleAdvice, Finance, Retirement

Professionals work hard to achieve both short- and long-term goals. Retirement certainly qualifies as a long-term goal, and many people spend decades building and investing in a nest egg that they hope will help them enjoy their golden years to the fullest extent.

The decision regarding when to retire is affected by a host of variables, so what’s a good time for one individual may not be ideal for another. However, professionals on the cusp of retirement can consider these tips as they try to pick the right time to retire.

Consider Age-Related Benefits

Both the United States and Canada feature government-sponsored retirement income programs and it behooves individuals to familiarize themselves with the rules of those programs so they can maximize their benefits. The Canada Pension Plan (CPP) allows individuals to begin receiving full CPP benefits at age 65, but they also can get a permanently reduced amount the moment they turn 60. The CPP also allows people to receive a permanent increase if they wait until turning 70 to receive payment. Similar age-related rules govern the Social Security benefits program in the United States, where individuals can begin claiming benefits at age 62, though those benefits will be reduced by 25 percent. If individuals wait until they’re 66 or, in some cases, 67, to claim Social Security benefits, they will receive their full benefits. The Social Security Administration notes that those who can wait until age 70 to claim benefits will receive as much as 132 percent of the monthly benefit they would have received at full retirement age.

These distinctions are significant, especially for people who will be looking to government-sponsored programs to provide significant financial support in retirement. Individuals who won’t rely as heavily on such programs may be able to retire earlier.

Pay Off Your Debts

Carrying debt into retirement can be risky. In general, it’s ideal to pay off all debts, including a mortgage and car payment, before retiring. Doing so can provide more financial flexibility and make it easier to manage unforeseen expenses, such as those incurred due to health problems.

Consider Your Retirement Living Expenses

It goes without saying that a sizable nest egg will be a necessity for anyone hoping to live comfortably in retirement. But the tricky part is figuring just how big a nest egg might need to be. In such instances, individuals can speak with a financial advisor and discuss what their retirement living expenses will be. Conventional wisdom based on the Consumer Price Index suggests individuals will need to replace between 70 and 80 percent of their pre-retirement income after calling it a career. But even that figure is not set in stone, as rising inflation, such as the rapid spike experienced in 2022, can quickly put retirees in financial jeopardy. By estimating the expenses they might have in retirement, individuals can begin to see just how close or far away from retirement they may be. Budget for inflation so any spike in living expenses can be easier to manage.

Many individuals recognize that there’s no perfect time to retire. But a few simple strategies can help professionals make the best decision possible.

How To Choose Pets Based On Your Lifestyle

February 16, 2023MBEhleAdvice, Animals, Pets

Getting a pet can seem like a fabulous idea in the heat of the moment when puppy dog eyes are blinking back from behind the bars of a cage or when a cuddly hamster peeks out from his hiding spot and makes kids swoon. Even though pets can make wonderful companions, approximately 6.3 million pets enter United States shelters nationwide every year, according to the ASPCA. In addition, around 80,000 cats and dogs entered shelters in Canada in 2021, according to Humane Canada. Such figures suggest companion animals are not suitable to every animal lover’s lifestyle.

Though many shelter pets find new homes, one of the ways to reduce the number of surrendered pets is to avoid impulse decisions. A careful consideration of lifestyle can ensure potential pet owners find an animal they’re fully capable of caring for.

Consider Time Constraints

People can be honest about their schedules and how pets can fit in. A busy executive who works 12-hour days and travels often may not be able to have a high-maintenance pet. Animals that do not require much interaction, such as aquarium fish or reptiles, may be better fits.

Consider Your Interests

It can be beneficial to find a pet who aligns with one’s interests and hobbies, as this can make the connection even stronger. A person who likes to hike may benefit from a pet that can handle long periods traversing the great outdoors.

Factor In Budget

Pets can be expensive. The American Kennel Club says the lifetime costs of dog ownership can range from $14,480 to $15,051 depending on the size of the dog (which relates to life expectancy). Exotic pets, such as macaws, may have large expenses for specialty vet care and cages. If money is tight, a pet that has minimal expenses might be a smarter move.

Assess Your Personal Health

Someone with allergies may have to avoid furry pets because dander and fur may trigger allergic reactions. Mobility issues can make it challenging for someone to walk a dog every day, making a cat who is relatively independent a more practical choice.

Lifestyle should be a major consideration when deciding if the time is right to introduce a pet into a home. A pet who aligns with the household dynamic can increase the likelihood of a successful pet-owner relationship.

Simple Strategies To Combat Stress

February 2, 2023MBEhleAdvice

Just about everyone experiences stressful situations. Sometimes a measure of stress can provide motivation to do one’s best or strive for an especially lofty goal. However, when stress becomes a chronic condition, it can adversely affect individuals’ quality of life and even their overall health.

Harvard Medical School says stress can manifest itself in myriad ways. Stress can cause tension headaches, indigestion, aches and pains, or even heart palpitations, and it may affect the mind by making it hard to concentrate or make decisions. Many people experience stress through emotional or psychological symptoms, such as irritability or feeling down. Learning how to effectively manage stress is essential for individuals’ overall well-being.

Exercise Regularly

Exercise serves many functions, including acting as a potent stress relief strategy. The Cleveland Clinic says aerobic exercise releases endorphins, which are natural substances that help a person feel better and maintain a positive attitude. Movement activities like yoga or Tai Chi also can relax the mind and body and promote physical health.

Take Media Breaks

Overwhelming oneself with a barrage of negative news stories or constant information can increase stress levels. Individuals can strive to remain informed and still build breaks into their schedules. Shut off news programs, turn over the newspaper or tune out of social media from time to time. The Centers for Disease Control and Prevention recommends that individuals who are stressed out by world events reduce the number of times they read the news or check the headlines each day.

Meditate or Perform Breathing Exercises

Breathing and meditation can help alleviate stress, according to the American Heart Association. A quick meditation can provide some perspective. If a situation is stressful, go for a walk or take a few slow, deep breaths until the body relaxes. Harvard Medical School also says meditation can induce a relaxation response, which is an antidote to stress.

Change Negatives to Positives

Negative self-talk may increase stress, but positive self-talk can help a person calm down. Individuals should practice positive self-talk every day. Instead of saying, “I hate when this happens,” say, “I know how to deal with this, I’ve done it before.”

A small amount of periodic stress can be a good thing. However, chronic stress poses a significant threat to individuals’ long-term health.

How To Protect Long-Term Cognitive Health

January 26, 2023MBEhleAdvice, Lifestyle

Cognitive health is not something to take for granted. Although a certain level of memory loss can be expected as people age, when the ability to clearly think, learn and remember is compromised, those changes can affect an individual’s ability to perform daily activities and should serve as a cause for concern.

Brain health should be a priority for everyone. The National Institute on Aging says brain health is an umbrella term that encompasses a host of factors, including:

· cognitive health, which is how well you think, learn and remember

· motor function, or how you make and control movements

· tactile function, which is how you feel sensations; and

· emotional function, or how emotions are interpreted and responded to.

Individuals can safeguard brain health – particularly cognitive health – by taking these steps.

Be More Health-Conscious

Working with doctors, individuals can put their health first. This includes getting routine screenings, managing chronic health problems, limiting or avoiding alcohol and nicotine products, and getting the recommended amount of sleep each night.

Manage High Blood Pressure

All chronic conditions cause long-term repercussions, but the NIA indicates that observational studies show having high blood pressure in mid-life increases the risk of cognitive decline later in life. Lowering blood pressure lowers the risk for mild cognitive impairment and possibly dementia.

Challenge Your Brain

Harvard Medical School says nurturing social contacts, engaging in stimulating mental activities like reading and doing puzzles, seeing new places, and learning new things can help keep the brain in top form.

Manage Stress

Stress can take its toll on the body, and there is reason to believe that it may adversely affect cognitive health as well. Make every stride to reduce stress, whether that involves taking vacations, meditating, laughing with friends and family, or engaging in relaxing activities that relieve stress.

Get Enough Vitamin D

Vitamin D is linked to a host health benefits, including its potential to promote a healthy brain. Individuals can get more time outdoors to get vitamin D naturally from the sun and eat foods rich in vitamin D. If doctors find that vitamin D levels are exceptionally low, supplementation can help.

Pay Attention To Hearing Loss

Certain hearing loss has been linked to cognitive decline, says Healthline. Researchers in Italy concluded that people with central hearing loss had a higher risk of mild cognitive impairment than those with no hearing loss or peripheral hearing loss. Individuals with central hearing loss are urged to speak to their physicians to determine if they can take preventive action to stave off further decline.

Cognitive health should be a priority. Adults can employ various strategies to reduce their risk of cognitive decline as they age.

How To Winterize A Vacant Home

January 12, 2023MBEhleAdvice, Home Improvement, Winter

A vast migration takes place when the temperatures begin to drop in the northernmost areas of the United States and even parts of Canada. No, it has nothing to do with feathered friends finding new roosts or certain mammals getting ready to hibernate. This migration involves the thousands upon thousands of people who retreat from one residence to head to another.

Snowbirds, as these migratory people are often called, are primarily retirees who split their living arrangements based on weather. Many spend the spring and summer months in one residence, generally in the northern portion of the country. Once the mercury begins to drop there, they trade that home for another in a more temperate locale, such as Florida, Louisiana, Texas, or even overseas. The Palm Beach Post reports that about 145,000 snowbirds flock to Palm Beach County alone each winter, raising the population by around 11 percent, according to the county’s official figures. Across Florida, an estimated 900,000 to one million seasonal residents stay a month or more every winter.

When snowbirds or other people leave their homes for extended periods of time, it is essential that they winterize properties that will sit vacant for months.

Protect Against Home Damage

· Consider turning off the water supply completely if you will be away for an extended period of time; otherwise, a burst pipe may result in significant damage.

· Drain all water in pipes by opening the faucets and flushing the toilets to clear the water from the tanks and bowls. Place non-toxic antifreeze in the toilet bowls to prevent any remaining water from freezing.

· If you will not be draining pipes and turning off the water, set the heating system to 55 F or higher to help keep the interior and wall cavities warm.

· Keep room and cabinet doors open to allow heat to circulate to areas where pipes are located.

· Shut off the water to outdoor faucets as well as the washing machine.

· Close up openings to the house so that rodents and insects cannot get inside and use a home for shelter.

Keep Safe With Snow and Ice

· Make sure that gutters are free of debris, which can lead to potential ice dams and water collection around the foundation of the home.

· Hire someone to clear the sidewalks and driveway of snow and ice.

· Remove any tree branches that can be weighed down by snow and ice and fall onto the property.

Make The Home Look Lived In

· Forward mail to your winter address, stop newspaper delivery and arrange to have any package deliveries picked up while you’re away.

· Put motion-sensitive exterior lights and interior lights on timers. Set lights to come on at various times to discourage thieves or squatters.

· Ensure the alarm system is in good working order.

· Use deadbolts to secure doors and windows.

These steps and others can help protect a home while residents are away.