Financial Security for Your Family


As you beginning discussing with your spouse the idea of expanding your family, it is important to discuss finances. It is easy to jump right in. Planning ahead will take some of the pressures usually associated with a growing family and allow you to better enjoy the precious moments. Financial security combines investments and savings with insurance protection.

Insurance

Financial security requires an effort. Savings do not accumulate overnight and life sometimes throws you some curve balls. That is why it is important to sit down and evaluate your situation. You will need to ask yourself some tough questions. Discuss situations that could be devastating to your family’s financial health. What will you do if one of you becomes sick, injured or died? What happens if there is a fire or your home is robbed?

All of these scenarios are easy to shrug off. Everything is okay until it isn’t. It is important to be prepared. Insurance can go a long way and provide peace of mind. Coverage plans are more affordable than you might think. Life insurance provides your family with the resources necessary to maintain their lifestyle in the unfortunate event of a death. Funeral costs alone can put a dent in your family’s bank account.

Health insurance is vitally important. Just because you are healthy now doesn’t mean you might not end up in an accident. You might get ill expectantly. Hospital bills add up quick. They can stretch a family thin and cause a lot of stress. Having even a bare essentials insurance plan can help defer some costs. Read more about the importance of insurance for your family.

Savings and Investments

Setting aside savings can seem impossible when you are already on a tight budget. You should not wait until you are wealthy to start setting money aside for a rainy day. Get in the habit early. Putting just $25 dollars in an account with a 6% annual return will accrue to $31,000 in 15 years. If you have any credit card debt or student loans, focus on paying these off. Once you are out of debt, make similar payments into savings.

Invest in your future. It might seem like you will be young forever, but retirement can sneak up on you. If your company has a 401(k) retirement savings plan, start investing in it today. Some companies will even match employee contributions. This is not a deal you want to pass up. If this money comes directly out of your paycheck, you won’t even miss it. If you are planning on having kids or already have them, you will want to set money aside for their college. There are options for college savings programs that help you save for your kids’ future.

Financial security requires dedication and a real look at your family’s finances. It requires asking hard questions and seeking out answers. Insurance is important for any family. In the event of an unfortunate death or a catastrophe, your family will be able to focus on the more important aspects of life without the financial burdens that accompany tragedies. Start planning now for your family’s future. Invest your money wisely and start saving immediately.

A loan that provides you with money taken from your home’s value is called a reverse loan. Your lender may also refer to it as a reverse mortgage or a home equity conversion mortgage (HECM). If you apply for such a loan then your home will remain in your possession and you will be the full owner of it until you no longer live in it. However, when you examine the reverse mortgage pros and cons you should be aware that any balance owed after you move or pass away must be paid by your family or your lender will have the right to sell the home and keep profits equal to the loan balance. Therefore, you should only enter into such an agreement if you plan to stay in your home long enough to eventually pay off the loan.

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April 26, 2017 – 8:57 PM - | Posted in daily life | 1 Comment »

Keeping Your Skin Safe and Young with Sunsafe RX


I live in Ohio, not the one of the ‘sunshine states’ by any means. But the sun, is the sun, and UV rays don’t care what state your living in, they can still do damage to your skin, all year round.

I’ll admit, I’m not the biggest fan of sunscreen for myself. I either don’t use it, forget to reapply or buy a really low number. I’m white as a ghost I want my body to soak up that sun, give me some color but a lot of times the color I get is RED, you’d think I’d learn my lesson, but I don’t.

I was recently introduced to a product called Sunsafe RX. Not a lotion, not something I need to go out of my way to re-apply. A healthy and natural supplement I can add to my daily supplements that will help keep my skin healthy and help keep it safe from the sun.

Sunsafe RX contains natural ingredients like Polypodium Leucotomos Leaf Extract, Green Tea Extract, and Grape Seed Extract. The benefits to your health and skin are great, but it also helps protect you from BOTH UVA and UVB rays as well as the extra added anti-aging benefits. Sunsafe RX also contains Antioxidine which also helps prefect free-radical damage to cells, inhibit the destruction of collagen and elastin, fight sunspots and premature aging, reduce inflammation and support the overall health of skin and eyes.

You take 1 – 2 capsules daily, so its easy enough to just include in your daily vitamins and there’s no need to take anymore for the day. Sunsafe RX isn’t a replacement for sunscreen, but it will help keep you protected even when you forget it!

Check out Sunsafe RX for yourself you can purchase it on Amazon.com, see if you reap the benefits and help protect your skin just a little more. You can find more information by visiting them on their website or Facebook, Twitter, and Instagram.

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April 26, 2017 – 6:02 PM - | Posted in health, Reviews | 8 Comments »

7 SMART NATURAL METABOLISM BOOSTERS


It’s a frustrating scenario. You eat right and exercise yet you have gained weight or cannot shed weight. You may have inherited your mom’s slow-motion metabolism, but the good news is; you’re not stuck with it. Research shows you can trick your body into burning calories more efficiently, especially if you hit the gym. “By strength-training just a couple of times a week, for example, you’ll reverse 50% of the seemingly inevitable metabolism slow-down that comes with age, says Dr. Christopher Calapai a New York City Osteopathic Physician board certified in family and anti-aging medicine. Here Dr. Calapai shares 7 Metabolism boosters that don’t require a visit to an endocrinologist or a prescription.

1. Value food as fuel and eat.

If you want to weigh less, you’ve got to eat less, right? Wrong! If you take in too few calories, it can cause your body to lose muscle mass and decrease your metabolic rate. Plus, when you skimp on calories, your body slows the calorie burn rate to conserve the fuel it’s got. “Under-fueling is just as risky as over-fueling,” says Dr. Calapai. “In an attempt for quick, noticeable weight loss, many people wrongfully believe that eating as few calories as possible is the best solution. Not only can this lead to numerous nutritional deficiencies as the body is getting less food overall, it can actually have the opposite effect on weight loss.”

2. Mix up your workouts.

When it comes to the best workouts for weight loss, neither weights nor cardio can completely move the needle on their own. Interval training is the best way to shed pounds, increase your metabolism, improve your cholesterol profile, and improve insulin sensitivity. Turn your favorite aerobic exercise, (running, biking, even walking) into an interval workout by adding periods of intense speed (start with 30 to 60 seconds) followed by periods of rest (normal speed) for the same amount of time. Do this six to 10 times to complete a fat-slashing workout. As you get better, slowly increase the amount of time of increased intensity.

3. Become best friends with breakfast.

Commit to starting the day with a good breakfast. What should you be having? Morning munchies that are slow to digest and leave you feeling fuller longer. Try a mix of lean protein with complex carbohydrates and healthy fats. Fresh fruit, egg whites, steel cut oatmeal, Greek yogurt, fiber rich cereals are things to grab for. “You’re not kick starting your metabolism if you have coffee for breakfast. Skipping breakfast puts the body in starvation mode slowing your metabolism to a crawl to conserve energy,” says Dr. Calapai.

4. Spice up your diet.

It turns out capsaicin, the compound that gives chili peppers their mouth-searing quality, can also fire up your metabolism. Eating about one tablespoon of chopped red or green chilies boosts your body’s production of heat and the activity of your sympathetic nervous system (responsible for our fight-or-flight response), according to a study published in the Journal of Nutritional Science and Vitaminology. The result is a temporary metabolism spike of about 23 percent. Stock up on chilies to add to salsas, and keep a jar of red pepper flakes on hand for topping pizzas, pastas, and stir-fries.

5. Drink green tea.

If you always opt for coffee over tea, you could be missing out on a major metabolism boost. In a recent 12-week study, participants who drank 4-5 cups of green tea daily, then did a 25-minute workout, lost an average of two more pounds and more belly fat than the non-tea-drinking exercisers. What’s is its magic? The brew contains catechins, a type of antioxidant that triggers the release of fat from fat cells and helps speed the liver’s capacity for turning fat into energy.

6. Snack smart all day.

It sounds counterintuitive. Why would you eat continually if you wanted to lose weight? Eating five to six mini meals, portioned to fit on the size of a salad plate, rather than three larger meals every day, keeps your metabolism going. “Snacking every 2 hours will also prevent you from going without food so long that you become so hungry that you overeat,” says Dr. Calapai. “Try not to let more than 4 hours elapse between meals and make sure each meal includes protein, for an extra metabolic boost,” he adds. If you eat a high-fiber breakfast of cereal and fruit first thing, for example, have a midmorning snack, such as yogurt and fruit; for lunch (try four ounces of chicken or fish on top of a leafy green salad); then another snack late afternoon, like a banana and a piece of low-fat cheese. Dinner is then a lighter meal for example four to six ounces of turkey, salmon, or another lean source of protein with steamed veggies.

7. Get a good night’s sleep.

Lack of sleep is linked to a major increase in the risk of obesity. This may partly be caused by the negative effects of sleep deprivation on metabolism. Lack of sleep has also been linked with increased blood sugar levels and insulin resistance, which are both linked to a higher risk of developing type 2 diabetes It’s also been shown to boost the hunger hormone ghrelin, and decrease the fullness hormone leptin This could explain why many people who are sleep deprived feel hungry and struggle to lose weight.

About the Doctor:
Dr. Christopher Calapai, D.O. is an Osteopathic Physician board certified in family medicine, and anti-aging medicine. Proclaimed the “The Stem Cell Guru” by the New York Daily News, Dr. Calapai is a leader in the field of stem cell therapy in the U.S. His stem cell treatments have achieved remarkable results in clinical trials on patients with conditions as varied as Alzheimer’s, arthritis, erectile dysfunction, frailty syndrome, heart, kidney and liver failure, lupus, MS and Parkinson’s. He has worked with Mike Tyson, Mickey Rourke, Steven Seagal, and Gotham’s, Donal Logue; and as a medical consultant for the New York Rangers. Connect with him via twitter @drcalapai or at www.drcal.net
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April 11, 2017 – 1:32 PM - | Posted in fitness, health | 1 Comment »

Hollywood Darlings on Pop TV


Pop’s new original docu-comedy series Hollywood darlings premieres Wednesday, April 12, 8/7c. This new series stars three child TV stars who were on popular sitcoms during the ‘90s. Jodie Sweetin (“Full House”), Christine Lakin (“Step By Step”) and Beverley Mitchell (“7th Heaven”) are followed through the show and play exaggerated versions of themselves in their current lives. Not only are they friends but this squad encourages and supports one another when it comes to careers, parenting, marriage and friendship.

The three actresses, who are friends in real life, issued a joint statement following the announcement of the series expressing their enthusiasm.

“Our childhood characters prepared us for the roles of our lives. There really aren’t words to describe the way we grew up and the bond we share, so we decided that we wanted to give a glimpse into our unique sisterhood,” they said. “Our fans have always been at the heart of it all, and we love that we have found a home on Pop. We’re so excited to go on this journey and take people inside our lives post-childhood fame.”

HOLLYWOOD DARLINGS will feature cameos from Soleil Moon Frye (“Punky Brewster”), Andrew Keegan (“10 Things I Hate About You”), Tamera Mowry (“Sister, Sister”), Lance Bass(NSYNC), Andrea Barber (“Full House”), Nicholle Tom (“The Nanny”), Heather Tom (“Y&R”),Patrick Duffy (“Dallas,” “Step By Step”), Staci Keanan (“Step By Step”) and Wanya Morris(Boyz II Men). Hollywood Darlings preimers Wednesday April 12 at 8/7c on POP.

FACEBOOK: facebook.com/HollywoodDarlings
TWITTER: twitter.com/HwoodDarlings
INSTAGRAM: instagram.com/HollywoodDarlings/

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April 11, 2017 – 12:53 PM - | Posted in Entertainment | No Comments »

Gifted Feat. Chris Evans and Octavia Spencer


Gifted is a new movie featuring Chris Evans, Mckenna Grace, Lindsey Duncan, Jenny Slate and Octavia Spencer. Directed by Marc Webb of “(500) Days of Summer” fame, The movie centers around a young girl and her incredibly gifted abilities.

From the movie’s website:
Frank Adler (Chris Evans) is a single man raising a child prodigy – his spirited young niece Mary (Mckenna Grace) – in a coastal town in Florida. Frank’s plans for a normal school life for Mary are foiled when the seven-year-old’s mathematical abilities come to the attention of Frank’s formidable mother Evelyn (Lindsay Duncan) whose plans for her granddaughter threaten to separate Frank and Mary. Octavia Spencer plays Roberta, Frank and Mary’s landlady and best friend. Jenny Slate is Mary’s teacher, Bonnie, a young woman whose concern for her student develops into a connection with her uncle as well.

This movie looks like a great family friendly movie that all would enjoy. Being the parent of a ‘gifted’ child, I can definetly relate to the movie in some ways, as I’m sure a lot of other families can as well. Plus, Chris Evans is in it so there’s that ;) .

Gifted can be seen in select theaters starting April 7th and you can Get tickets now at http://tickets.giftedmovie.com/

This post was sponsored by the Role Mommy Writer’s Network.

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April 7, 2017 – 10:17 AM - | Posted in Reviews | 2 Comments »
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