RE/MAX 440
Patty Jo Anzivine
pattyjovine@gmail.com
Patty Jo Anzivine
4550 W. Tilghman Street
Allentown  PA 18104
PH: 610-390-0415
O: 610-398-8111
F: 267-354-6902 
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5 Ways to Protect Your Family in 2017

January 11, 2017 6:36 am

(Family Features)--Protecting your family and loved ones is one of your most important responsibilities. Many people think about protection in terms of physical acts, such as practicing safe driving, but there are many more aspects of your lifestyle and home that affect your loved ones’ safety.

Protect your family’s financial health

Although it can be painful to consider, your untimely death may leave your family reeling – not only emotionally, but financially, too. Life insurance can help cover funeral costs, child care or act as income replacement. It can also help pay off any loans you’ve accrued, such as a home mortgage, car payment, credit card debt or student loans.

If you don’t have life insurance, it’s never too soon to explore your coverage options. You may be able to save on premiums and get more coverage for your dollar by completing a health exam as part of your application, which helps build a more accurate assessment of your health.

If you do have coverage, it’s a good idea to regularly review your coverage to ensure it still meets your needs. Also check your beneficiaries to ensure your policies are updated with your current information, especially if your family has grown.

Ensure your family is breathing safe air

One threat you may not be aware of is radon, a radioactive gas that occurs naturally in the environment but can create significant health consequences in anyone exposed to unsafe levels.

Radon is an odorless, colorless and tasteless gas that can go undetected in homes until it is too late. According to the U.S. Environmental Protection Agency, radon is the leading cause of lung cancer deaths among non-smokers in America, and claims the lives of nearly 21,000 Americans each year. 

Know your own health status

It is difficult to protect loved ones if you are not healthy yourself. Make sure you receive proper preventive care, such as regular health screenings and check-ups that are recommended for your gender and age.

Many employers and health plans offer health screenings. If you have applied for life insurance, many policies provide the laboratory results from your application that you can share with your physician. Find a checklist of important preventive screenings at CDC.gov/Prevention.

Protect the home of your loved ones

There are over 2 million burglaries annually in the United States, according to FBI statistics. Home security systems can help put your mind at ease, and having a security system can also decrease the premiums you pay for monthly homeowner’s insurance. Studies have shown that homes with a security system see a 39 percent decrease in financial loss compared to homes with no security system.

Safeguard your family from fire hazards

The National Fire Protection Association estimates that two-thirds of home fire deaths result from fires in homes with either no smoke alarms or non-working smoke alarms. Batteries wear out and may be taken out to cease persistent beeping then never replaced. Smoke alarms should be in every bedroom, outside every sleeping area and on each level of your home.

In addition to regularly checking alarms and batteries, it’s a good idea to make a family escape plan in the event of a fire.

Source: MyExamOne.com.

Published with permission from RISMedia.


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10 Ways to Be More Energy Efficient at Home

January 6, 2017 12:30 am

We all want to save money while helping the environment, and one simple way to do that is to scrutinize your energy usage at home. Here are 10 easy, low-cost tips for making your house operate more efficiently.

1. Insulate the water heater. Older natural gas storage water heaters can lose a lot of heat through their walls. Wrapping a heater in an insulating jacket can prevent excess heat loss and energy waste, but should be left to a professional installer so as not to accidentally cover the top, bottom, thermostat or burner compartment.

2. Seal leaks with weatherstripping. Air sealing, specifically weatherstripping, eliminates drafts to save energy while improving air quality and comfort. Weatherstripping reduces air leakage by creating a tight seal between movable components such as doors and windows. Before application, detect air leaks and assess the ventilation. Find air leaks through a blower door test from a qualified technician, or by inspecting inside and outside the home.

3. Insulate water pipes. Insulate hot water pipes to reduce heat loss and keep the water from cooling off before it reaches the tap. Adding insulation also will prevent cold water pipes from freezing.

4. Replace or clean the furnace filter. Change the heating system's furnace air filter on a regular basis to keep air flowing without overworking equipment. This also keeps out dust and dirt that can lead to expensive repairs or early system failure. A clean furnace filter can lower natural gas consumption by up to 2 percent.

5. Use less hot water. Reducing hot water use is an easy, affordable way to see significant savings on energy and water bills. Run the automatic dishwasher only when full, and wash and rinse full loads of laundry in cold water. Install low-flow showerheads, and don't forget to check for and repair plumbing leaks.

6. Use ceiling fans. Save on heating costs by using an ENERGY STAR® certified ceiling fan, which helps warm air circulate better and allows for setting the furnace temperature lower.

7. Install a programmable or smart thermostat. Programmable and smart thermostats can lower heating expenses and fit any lifestyle. Set the thermostat at 68 F, and then program it to decrease the temperature 8 degrees when no one is home and overnight. Smart thermostats are similar to programmable thermostats, but they also perform more advanced functions. A smart thermostat allows you to monitor and control the temperature in your home remotely from your smartphone or other web-enabled device.

8. Look for ENERGY STAR. If purchasing a new appliance, make it an ENERGY STAR rated appliance. For instance, an ENERGY STAR certified refrigerator uses less energy than a regular 75-watt light bulb.

9. Lower the water heater thermostat. Set your water heater thermostat to 120 F to save energy and money. For most homeowners, storage water heaters set above 120 F are simply using more energy without providing any additional benefits. One set to even 140 F can waste $36 to $61 annually in standby heat loss, and more than $400 in demand loss. Be sure to turn down the water heater when going on vacation to avoid energy waste.

10. Be smart with the fireplace. Open-hearth fireplaces draw heated air from inside the home, sending it up the chimney. When using the fireplace, install a snug-fitting set of glass doors and crack open a nearby window. Doing so reduces the amount of heated interior air drawn into the fireplace and improves efficiency by up to 20 percent.Source: Peoples Gas

Published with permission from RISMedia.


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How-to Avoid Overdraft Fees

January 6, 2017 12:30 am

The only thing worse than a low bank balance is landing an overdraft fee as a result of you're low balance. These tips, courtesy of the Pennsylvania Department of Banking and Securities, can help assure you never get another overdraft fee again.

Sign up for automatic funds transfer: Instruct your bank or credit union to automatically transfer money from your savings or other accounts to your checking account to cover any shortages. Note: you may have to pay a fee for this service.

Sign up for low-balance notices: Sign up for text or email notices from your bank or credit union if your checking account balance drops below a certain amount.

Make sure funds are available: Make sure deposits into your checking account are actually available for your use before you spend that money. Note: review your bank or credit union's "funds availability" policy.

Take advantage of technology: Frequently check your account balances online, by phone, or nearby ATM machine.

Check all transactions on your statements: Carefully review your monthly account statements, looking for fraudulent transactions as well as taking into account any checks written and deposits made that may not appear until next month's statement.

SOURCE Pennsylvania Department of Banking and Securities

Published with permission from RISMedia.


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5 Simple Ways to Enjoy More Family Time

January 6, 2017 12:30 am

(Family Features)--Skillfully balancing an entire family's demands from school, sports, activities and careers leaves little down time, but keeping family values front and center may be easier than you think when you make a commitment to carving out meaningful moments to share.

Unplug from the digital world. Today's technology-ridden world makes it easy for families to be present but not engaged. When you create a technology-free zone, you eliminate distractions so you can keep the focus on each other. Dedicate time every week to spend as a family without the use of TV, tablets, computers and phones.

Bond and bake together. There's a little baker in everyone. After all, who can help but "woo-hoo" when you pull fresh cupcakes out of the oven? Take a little time to embrace your inner Doughboy, turn your kitchen into a fun zone and savor all the moments with your family.

Share family stories. Reminiscing about special family moments is an essential part of keeping those memories alive. Showcasing old photo albums is a great way to share fun and nostalgic memories, which can help bring your family closer together. Whether it was a trip to the mountains or visiting a nearby museum, discussing and reliving these memorable moments can evoke fond memories and a willingness to create new ones.

Set a day each week for family night. It's easy to get caught up in a busy schedule, which is why consciously setting aside family time is essential. Once it's set, you may be tempted to turn the open night at home into an invitation to catch up on housework or even just relax. Avoid the temptation and instead look for fun ways to spend that time as a family. The dishes and laundry will still be waiting after you spend a few hours together. Start a puzzle or play a board game. Initiate a DIY project for the house, spend time baking or cooking a meal or simply sit together and talk about what's happening in the lives of those who matter most.

Create traditions. Rituals are a way of life. Find the little things that make your family unique and celebrate them together by creating special occasions that give everyone in the family something to look forward to and reflect on with joy. If you're passionate about cooking, volunteer at a local soup kitchen together once a month. If sports are more your game, arrange for regular family outings to support the local team with everyone decked out in their favorite lucky attire. Silly or sentimental, traditions are the stuff memories are made of.

Source: Pillsbury

 

Published with permission from RISMedia.


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3 Ways to Kick Start Your Career

January 5, 2017 6:30 am

If you're looking for a new job, you're not alone. Below are three tips from Career Builder to improve your chances while hunting down a new gig.  

Grow your network: Tired of collecting business cards at cocktail mixers and lunch-and-learns? It might be time to mix up your networking routine with some fresh new tactics. Try stepping outside your usual roster of groups and events to grow your professional circle even wider.

Polish your personal brand: By having a clear message of who you are, what experience you have and what direction you're going in, you're conveying your identity to the hiring manager instead of being a faceless part of the crowd.

Make social a priority: Follow companies you like on social media and engage with them. Consider starting a blog that is related to your career interests. While on social channels, make sure you clean up your own digital dirt. Nothing is truly private on the Web, and it would be a shame to miss out on a job opportunity because of some embarrassing photos from years ago. Also make sure your profile is relevant. Think through the eyes of a recruiter and keep your employment history and education updated.

Source: CareerBuilder®

Published with permission from RISMedia.


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5 Tips for Managing Diabetes

January 5, 2017 6:30 am

(Family Features)--Living with diabetes is no laughing matter, but as many would say, laughter is often the best medicine.

This is certainly true for comedic actress Yvette Nicole Brown, who was diagnosed with type 2 diabetes in 2013.  In partnership with the American Diabetes Association and Colgate Total through the "Laugh Out Loud" campaign, Brown offers the following tips for a healthy smile and managing diabetes with a touch of humor.

Get Moving

When it comes to diabetes, small lifestyle changes can make a big difference. Taking the first step toward exercising can be difficult for many, but a little bit goes a long way. Try parking further away from the door, taking the stairs instead of the elevator or taking the longer route when you walk the dog. Whatever it may be, choose an activity that you enjoy doing and keep it consistent.

Give Your Smile Some Extra TLC

You're twice as likely to develop gum disease if you have diabetes. When Brown learned that, she immediately started taking better care of her teeth. She recommends brushing morning and night with a specially formulated toothpaste, which reduces 83 percent more germs that cause gingivitis, the most common form of gum disease, as compared to an ordinary non-antibacterial toothpaste.

Befriend Your Dentist

Don't be afraid to become friends with your dentist. Brown has her dentist on speed-dial, even calling or texting him in the middle of the night sometimes. You don't have to be best friends with your dentist, but it's crucial to establish a good relationship. They're the expert who you can turn to for all your oral health care needs, and oral health care is important for those living with diabetes.

Find Your Tribe

When you're living with diabetes, you need a strong support system. Be it friends, family or an online community, things are easier when you've got your tribe. A good place to get your questions answered and find people who are going through the same journey as you is OralHealthandDiabetes.com.

Live Confidently

"Every time I think about my type 2 diabetes, I say to myself 'So what? You are a strong, confident woman. Don't let your diabetes run your life,'" Brown said. Diabetes isn't a hindrance, it's just a slight hiccup in life that you learn to live with. Get your mindset right, don't let it dictate what you can or cannot do.

When Brown was a kid her mom would say, "Sometimes you have to laugh to keep from crying." That's sometimes what people do when they get any kind of health diagnosis. The first response is, "Oh no," and then you find a way around it.

Source: Colgate

Published with permission from RISMedia.


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10 Steps to Quit Smoking

January 5, 2017 6:30 am

The majority of smokers often think about quitting. In fact, nearly 70 percent of smokers say they want to quit but only 6 percent are able to each year. However, quitting is extremely difficult, and it's important to put your best foot forward. Below are 10 steps from BecomeAnEX.org to make and execute a plan to quit.

1. Set a quit date, and be strategic

Some smokers prefer to dive right in and just start quitting. It's best to intentionally setting a date to quit smoking. Big changes in life benefit from good planning. Take a look at your calendar and be strategic about when it would be a good time to quit. Consider quitting on a day without too many temptations (like a holiday party) or stressors (like a looming work deadline).

2. Identify triggers and track cigarettes

Much like using a step counter to track your activity if you're trying to get in shape or lose weight, figuring out what makes you want to smoke is part of your quit plan. "Triggers" are the things that cue you to smoke. Some common triggers are having a cup of coffee, driving, going out drinking or stress. Use the tools on BecomeAnEX.org to identify your triggers by logging the situation surrounding each cigarette you smoke leading up to your quit date. You'll need this data to beat those triggers come quit day!

3. Beat your triggers

Now that you've identified your triggers, you can plan for how you'll avoid or overcome them. Do you always smoke on your drive to work? Try keeping sunflower seeds in your car to munch on instead. Or make a playlist to belt out at the top of your lungs. Really think about what you can do instead of smoking for each of your triggers. Or, make a plan for what you'll do instead of your triggers (like drink tea instead of coffee for a few days).

4. Get smart about your smoking addiction

Smoking is more than just a "bad habit." It's a physical addiction. Learn the effects of nicotine on your brain and make an educated decision about using quit smoking aids to boost your chances of quitting successfully. Learn more by watching videos on BecomeAnEX.org.

5. Choose a quit smoking aid

Once you've learned more about how addiction works and different quit smoking aids, talk with your doctor, health care provider or pharmacist about which one feels right for you. Quit smoking medications (such as gum, the patch, inhaler or prescription meds like Chantix or Zyban) can make quitting cravings and withdrawal easier. Even if you've tried medication before, consider trying a different one this time around.

6. Tell someone, anyone

Quitting can be lonely, but it doesn't have to be! Consider telling at least one friend, family member or coworker you trust that you're quitting–maybe even ask them not to smoke around you, if they're smokers, too. Or, connect with others who know exactly what you're going through in the BecomeAnEX Community. They get what it's like to feel anxious, irritable or frustrated while quitting. Around the clock and all year long, the EX Community is full of other smokers and former smokers who genuinely want to answer your questions, be a supportive listener and cheer on your success!

7. Out with the old and in with the new

The first step in forgetting an old flame is throwing out all the stuff that reminds you of "the way we were." Go through your house, your car and your workplace and toss out everything that has to do with smoking. Lighters, ashtrays, even the dashboard lighter in your car. Get rid of all of them! Consider getting your car detailed, washing your clothes and bedspread or doing a deep clean on your house to make everything around you smell fresh instead of smoky.

8. Get ready, get set

If you're using medication, make sure you have plenty of it on hand. Get ready to quit by having other good ways to cope with cravings. Find a refillable water bottle; stock up on things to chew on like carrot sticks, toothpicks, sugarless candy and gum; and snag something fun for your hands like a squeeze toy or drumsticks. Keep yourself motivated. Make a list of "reasons I want to quit smoking" and tuck it into your wallet, purse, car, bathroom mirror, office … or everywhere!

9. Go

You know when your triggers will be popping up. And you know how to beat them when they do. Get up and attack the day. Get dressed, eat, grab your bottle of water and your quit smoking aid and go! Just focus on getting through this one day without smoking. You can survive your first day of quitting smoking. And then take it one day at a time.

10. If you need to, pick yourself back up

Quitting is hard, and often takes more than one try. If you smoked after your quit day, pick yourself back up. It helps to understand why you slipped up in the first place. Were you stressed out? Having a drink? Did someone offer you a cigarette? Think back to what happened and make a plan for getting past it next time.  Source: BecomeAnEX.org

Published with permission from RISMedia.


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Choosing An Online University? What You Should Ask

January 3, 2017 6:30 am

With college tuitions rising, more and more people are choosing to study online. With lower tuitions and flexible schedules, it can be a great choice for many. However, not all online universities are created equal, and it's important to do your due diligence before choosing one.

To help, Western Governors University (WGU), has a list of five questions to ask to ensure that you choose the right university for your needs.

Is the university regionally accredited? Regional accreditation is the highest form of accreditation. The U.S. Department of Education publishes a list of regional accrediting agencies that are recognized as reliable authorities on the quality of education or training offered by institutions of higher learning. Accreditation ensures that employers and other academic institutions will respect and recognize your degree.

How much will it cost? Tuition at online universities varies widely, from approximately the same cost as a public university to more than twice as much. Be sure to understand all of the costs—tuition, books, and fees—before you make your decision, along with the possibility of receiving financial aid. If you are approved and decide to receive financial aid, make sure you only borrow what you need to graduate, this will help steer you away from incurring unnecessary additional student debt. Another factor in your cost consideration should be the length of time you expect to take to complete your degree—the longer it takes, the more it is likely to cost.

How will you learn? Some aspects of your student experience at an online university will be similar to what you would expect in a more traditional environment. You will study, write papers, complete projects, and take tests. Other aspects, such as when and where you study and how you interact with faculty and other students, are quite different. You may want to consider a competency-based program, which will allow you to study and learn on your own schedule and advance as soon as you demonstrate mastery of the subject matter.

What kind of help and support will you get? Online should not mean alone. Support from faculty and administration is key to your success as a student. Be sure that the university you choose provides a high level of faculty support and opportunities to interact with other students.

Will your degree prepare you for career advancement or graduate work? Make sure that the degree program you choose offers relevant and up-to-date curriculum to ensure that when you graduate, you will have the real-world skills employers need. Ask for information about alumni placements, employer surveys, and graduate rankings on national test scores.

Source: www.wgu.edu

Published with permission from RISMedia.


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How to Avoid Getting Sick During Flu Season

January 3, 2017 6:30 am

When winter rolls around, it can seem like everyone around you is down with some sickness. In fact, a recent Harris Poll survey found that 42 percent of Americans believe getting sick during cold and flu season is inevitable. The same survey found 36 percent believe the workplace to be the most likely place to catch a cold or the flu, while nearly a quarter blame their sniffled on public transportation.

Below are a handful of tips from osteopathic family physician Rob Danoff, DO, on staying well all winter.

Make sure your family is vaccinated.

The flu shot may not save your life, but it very well could save someone else's, according to Dr. Danoff, who adds that children who receive the flu vaccine are far less likely to be hospitalized by the flu. The shot also helps protect those who cannot be vaccinated, as well as the elderly and those with preexisting conditions that make flu a greater threat.

Upgrade your hand washing technique.

Scrub like a doctor and you'll avoid myriad germs that the typical "wringing and rubbing" technique misses. Researchers who looked at people's freshly washed hands found that the insides of the fingers often aren't clean, Danoff noted, giving the hundreds of viruses that cause colds a safe hiding place. Also remember to scrub the backs of your hands and under the finger nails.

Eat your veggies and go to bed.

Get your vitamins from food, not a pill, and you'll reap countless protective health benefits. Better nutrition directly translates to better resilience and fewer illnesses, according to Dr. Danoff. Add 7-9 hours of daily sleep and your body is primed to battle the pathogens that proliferate when people spend more time indoors.

Get outside when the sun shines.

Decreased levels of vitamin D can weaken your immune system. Take a morning or afternoon walk to soak up the sparse rays during the winter months and you'll boost both your mood and your immunity.

Keep moving.

Adding exercise on top of a daily sunshine walk makes your immune system function more effectively. A bit of indoor cardio or strength training conditions your body to fight off illness—including the winter doldrums. Drink enough water to meet your hydration needs, which don't drop along with the temperature.

Stay social.

People have a tendency to "socially hibernate" during winter. Humans are social beings and positive interactions with friends improves mood and wards off depression, which can compromise the immune system.

Source: www.DoctorsThatDO.org.

Published with permission from RISMedia.


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Dodge Winter Lawn Damage

January 3, 2017 6:30 am

(Family Features)--Winter conditions can present a wide range of challenges to your lawn and landscape, but there are precautions you can take to protect your lawn, as well as your trees and shrubs, from seasonal harm.

Preventive steps from the lawncare experts at TruGreen can help your lawn survive the winter season’s harsh elements.

Snow Plow Damage

Install brightly-colored boundary markers along the edges of paved areas to help protect lawn and shrubs from snow plow and snow thrower blades. Lightweight wooden stakes, at least four feet tall with bright reflective tape and brightly covered fiberglass rods, serve as good markers. Avoid heavy metal, fence posts and other large objects, as they can pose a hazard to snow plow operators.

Cold Temperature Stress

More so than any other season, trees and shrubs are vulnerable to changing weather conditions during the winter. Wide temperature fluctuation and extremely low temperatures are the biggest factors of tree stress, meaning your trees are more susceptible to things like frost cracks, sunscald and winter burn.

Keep twigs and limbs from breaking under the weight of ice by carefully brushing away, whenever possible, any snow load from plants, which will reduce the weight on the limbs and decrease the damage. Placing a burlap cover around shrubs such as boxwood and yews will help reduce winter desiccation.

Proper fertilization can help keep your trees and shrubs healthy well into spring, and allow them to better tolerate winter. A service can help with tree and shrub services customized to meet your landscape’s every need, including applications to control overwintering insects, pests and mites.

Freezing Temperatures

Damage to plants, shrubs and trees as a result of sustained low temperatures can typically go undetected until spring or early summer, when plants fail to produce new growth. To help prevent damage, maintain a two- to three-inch layer of mulch to help protect the crown and roots from weather extremes.

Winter Dehydration

During the colder months of winter, plants cannot replace moisture lost from leaves and needles. This leads to “dehydration” – technically known as desiccation. To help avoid this problem, maintain proper watering late into the fall, or water during periods of winter thaw.

Ice Melt

Ice-melting agents, such as rock salt and products containing calcium and magnesium chloride, may accumulate in the soil and cause damage to plants. Use extreme care when applying ice-melting agents to prevent damage to your plants or concrete surfaces.

Source: TruGreen.com.

Published with permission from RISMedia.


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