Quick Reads are shorter versions of articles on our site. They usually run between 100 and 250 words. Click on a title to see both the short and long versions of each article, and accompanying photos.

---

Tips for extending your home into your patio (BPT) - In warmer weather, patios transform into the ultimate gathering space for backyard barbecues, reading, relaxing or even exercising. These outdoor rooms become an extension of the house, seamlessly merging the outdoors inside and vice versa. This summer, many homeowners will tackle revamping the home to expand this transformation between indoors and outdoors. Start with a patio door that will set the stage for your transformation. Choose a sleek sliding patio door to compliment or create a clean look, or if you’re short on floor space. An elegant French or hinged patio door is a good option for homes with ample open floor space. Durable, easy-to-care-for doors like Pella 350 Series premium vinyl sliding patio doors are great for families with children and high traffic. Continue your transformation with landscaping both inside and out to combine the areas. If your patio connects to the kitchen, potted herb plants indoors blend beautifully with potted flowers on the patio. In settings where a patio connects to a living room, potted small trees inside connect well with planted trees framing your patio. Complete your indoor/outdoor gathering space by using similar materials between the two spaces.

Save money and do a world of good with reusable containers (BPT) - Even as the country moves out of the great recession, many Americans are still in a money-saving mode – looking to conserve wherever possible. Good news. There are simple ways to save money especially if you go back to the time-honored concept of BYO – “bringing your own” container of coffee, lunch or water as part of your daily routine. This can do a world of good not only for your pocketbook, but also for the environment, and even your health. Here are some tips to get you started: Bring your own coffee or tea - Genuine Thermos(R) Brand makes a vacuum insulated commuter bottle that will keep a beverage hot for eight hours or cold for 12 hours. Not only is this great for a day at the office or running errands around town, it saves the cost of purchasing beverages day in and day out. Bring your own lunch – portable lunch carriers and insulated reusable containers come in a variety of designs, shapes, and sizes to keep snacks or lunch foods hot or cold for hours, saving you the cost of going out and making it easier to stay away from unhealthy temptations.

Time-pressed in the kitchen? Rediscover pressure cooking (BPT) - You may recall your mother or even your grandmother talking about using the pressure cookers of old, sometimes with unexpected results. A pressure cooker uses steam to cook foods. Available in stovetop or electric models, they both work on the same principle: foods and liquids are placed inside a pot that has a pressurized chamber, and the steam transfers heat to the foods. The pressure builds up inside the pot to cook food at a high temperature, while allowing the food to retain its moisture and nutritional value. When cooking is complete, the steam can be vented using a release valve before the lid is opened. Manufacturers are increasingly taking the guesswork out of pressure-cooking with intuitive features that make it easy to prepare delicious, nutritious meals in a flash. For example, Calphalon’s 6-quart Stainless Steel Pressure Cooker has a cover that locks on with the touch of a button, and a pop-up pressure indicator that makes it easy to monitor cooking times. The cooker also has a pressure release dial that lets you select from multiple settings for cooking, and to safely release the steam after you’re finished.

Simple steps to a healthier heart (BPT) - About 600,000 people die from heart disease in the United States each year, according to the Centers for Disease Control and Prevention, making heart disease the leading cause of death for both men and women. However, despite the grim realities of heart disease, the steps to achieve better heart health can be simple. * Numerous studies spanning a decade or more of research support the claim that dietary fiber from whole grains, as part of an overall healthy diet, helps reduce blood cholesterol levels and may lower the risk of heart disease. * The risks that accompany uncontrolled high blood pressure are serious. Exercising and maintaining a healthy body weight, in addition to eating a low-sodium diet, can all contribute to a healthier blood pressure. * Products are now available that provide a natural way to help promote healthy blood flow by supporting normal platelet function. A tomato-based concentrate made from select Mediterranean tomatoes called Fruitflow is a natural, healthy and safe ingredient that has been proven through clinical research to keep platelets smooth, thereby promoting healthy blood flow. Try products with this ingredient like Langers Tomato Juice Plus or L&A Tomato Juice with Fruitflow as healthy daily beverage choices.

Six rules to help keep your teen driver safe (BPT) - If you worry about the kind of car your teen will drive, you’re not alone - especially in this age of distractions behind the wheel. In a survey commissioned by USAA, 81 percent of parents put reliability first when choosing a vehicle for their teens, followed by a high safety rating. The good news is that teens also want cars with the latest safety features. Here are features parents and teens should look for in a vehicle: * Newer cars with newer technology. While a used car may seem budget-friendly, it may lack the technology that could save your child’s life. * The right size. Avoid sport utility vehicles, which have higher rollover rates and can prove tougher to maneuver; and tiny cars, which may offer less protection in a crash. Moderate-size vehicles offer more stability and easier, more predictable handling. * Sedan style. High-performance sports cars may beckon your teen, but steer clear. * Crash-test ratings. Check the Insurance Institute for Highway Safety’s Top Safety Picks each year on its website. * Accident history. If you’re in the market for a used car, get a vehicle history report. * Unbiased mechanic’s signoff. Have an Automotive Service Excellence-certified mechanic check the vehicle.

Father's Day gift ideas to make Dad feel like a king (BPT) - You need to come up with the perfect Father’s Day gift this year. Here are some great ideas to make your selection easier - and make any dad feel like the king he truly is. * Quench his thirst for action with a 24-ounce capacity Stainless King Direct Drink bottle that keeps liquids hot for 18 hours or cold for 24 hours. * For the dad who loves to fish, give him Rapala’s latest must-have new lure, the Scatter Rap. In true Rapala style, the patent-pending Scatter Rap Series flaunts classic balsa body shapes and a new Scatter Lip, which creates an industry-first “evasive action.” * For the dad who spends most of his week on the move, help him relax his feet with the gift of a luxurious pair of soft and comfy Mens Cloud Moc slippers from Tempur-Pedic. Dual-layer TEMPUR and an extra-soft TEMPUR-ES material insole will make him feel like he’s walking on a cloud, whether he’s indoors or out. * With more than a dozen tasty flavors available nationwide, Jack Link’s offers a variety for every dad’s unique taste buds. Some tried-and-true classics include: Jack Link’s Original, Peppered and Teriyaki Beef Jerky.

A year-end report card on school cafeterias: Did they make the grade for improved nutrition? (BPT) - The 2012-2013 school year brought a new curriculum to school cafeterias across the United States with the implementation of the new USDA nutrition guidelines, requiring complete revisions of school menus. Incorporating more vegetables and whole grains was a key objective for all schools. Sacramento City Unified School District, which serves more than 40,000 meals a day, used julienned red, green and yellow peppers in salads and also incorporated them in their new fajita grill concept. Kid-friendly favorites like whole grain-rich pizza with protein, calcium, potassium and fiber were also served at schools across the country. Weekly menus that blended new and familiar flavor options, all meeting the new guidelines, helped schools achieve high marks on nutrition.

How to turn your backyard into the best vacation destination (BPT) - Summer vacation travel costs the average American family about $1,180 per person, according to an American Express survey. Imagine if a family of four invested the cost of this summer’s vacation into upgrading their backyard with the addition of a swimming pool or hot tub. They could create an oasis of family fun that they’ll enjoy for years. When it comes to creating a resort-like vacation experience in your own backyard, nothing fits the bill better than a swimming pool or hot tub. Pools and hot tubs are home improvements that pay for themselves in multiple ways, from increasing home value and reducing travel costs to improving relationships with loved ones. The majority of pool owners (75 percent) say their swimming pool turns the backyard into an everyday vacation spot, according to research by the Association of Pool & Spa Professionals. Four out of five pool owners say it’s a great way to entertain guests, while 77 percent of hot tub owners say time in their hot tub is one of the few things that truly relieves stress. Though adding a swimming pool or hot tub can be a serious investment, a family of four that would normally spend the average amount of $4,750 per summer on vacation travel could conceivably pay for their new installation by foregoing those travel costs for a few years. If you’re considering adding a pool or hot tub to your outdoor living space, rely on APSP’s online member locator at www.APSP.org to find an APSP Certified Professional in your area.

Surprising ways hot tubs heat up relationships (BPT) - The therapeutic benefits of hot tubs are well documented - 79 percent of owners say they value the therapeutic health benefits their hot tubs present, according to a survey by the Association of Pool & Spa Professionals (APSP) - but many owners point to another significant benefit: the ability to spend more time with their partners. Seventy-seven percent of owners say their hot tub is one of the few things that can truly take them away from the day-to-day stresses of life and allow them to reconnect with their partner. The relaxed atmosphere of a hot tub promotes meaningful interaction, owners reveal. Hot tub owners typically say they use their hot tubs as a way to connect, and 82 percent say they are extremely satisfied with the level of relaxation it provides. Relaxing together outdoors, enjoying nature and each other’s company without the distraction of ever-present digital devices, is a great way for couples to rediscover the things that drew them together in the first place. Spicing up your relationship begins with the right tub, and finding the right hot tub starts with a professional you can trust. APSP Certified Professionals adhere to the highest standards of service, performance and ethical conduct. Visit the APSP website to find a professional near you.

Five swimming pool myths that are all wet (BPT) - From the belief that it costs too much to operate a pool to the misconception it will go unused, myths about pool ownership abound – and they likely dissuade some homeowners from making this valuable home improvement. Here are five myths that simply don’t hold water: Myth: Pools are too costly to install. Reality: The cost of a pool will depend on many factors, including the size of your yard, the dimensions of the pool and the materials you choose. Finding the right installer is key. The Association of Pool & Spa Professionals (APSP) offers an online member locator to help consumers find an APSP Certified Professional in their area. Myth: It’s difficult and costly to maintain a pool. Reality: Pool pumps and filtration systems are more energy efficient than ever, saving money on electricity costs. Myth: Pools are not energy efficient. Reality: Energy-efficient pool pumps can use up to 30 percent less power to operate. Myth: A pool won’t enhance my home’s value. Reality: Among people who purchased a home with an existing swimming pool, an eye-opening 78 percent said the presence of the pool contributed to their decision to buy, according to the APSP survey. Myth: If we get a pool, we’ll never use it. Reality: Seventy-six percent of pool owners say they are extremely or very satisfied with their pools. They believe having a pool entices their family to spend more time together in their own backyards.

Selling your home? Make it more appealing to buyers (BPT) - You’ve made the decision to sell your home – now you want to position yourself for a quick and successful sale. Follow these tips to position your house for a successful sale: Enhance curb appeal A well-maintained house appeals to more buyers and can sell faster and may sell for a higher price, according to Realtor.com. Maximize your home’s exterior appearance. Declutter inside Make your home look bigger by removing clutter and storing personal items and extra furniture before prospective buyers arrive. Make repairs where needed. Highlight quality brands If your home features or you’ve replaced items with high-quality brands, like Pella Windows and Doors, include their names in your home’s sell sheet. Buyers look for quality brands. Windows, door replacement Projects like window and door replacements can recoup more than 70 percent of their cost at resale, according to the National Association of Realtors and Remodeling magazine’s 2013 Remodeling Cost vs. Value Report.

Summer garden glory without the weeding and watering (BPT) - It’s possible to have both a glorious well-maintained garden and time for fun in the sun by taking some smart gardening steps now. * A hot, dry, exposed setting is brutal on most plant selections. To alter the heat-and-light dynamic, introduce a small shade tree to serve as the anchor of a new easy-care landscape bed. Add a supporting cast of drought-tolerant shrubs and perennials. * Covering garden beds with a 3-inch layer of mulch will greatly reduce the need to weed and water, while making everything look tidy too. Top off mulch with a sprinkling of a pre-emergent such as Preen to stop weed seeds from growing in mulch and garden soil for up to three or four months. For a one-step solution that creates a six month weed-fighting barrier, try Preen Mulch Plus, a natural shredded-wood mulch with added pre-emergent weed preventers already mixed in. * Sharply-defined edges around garden beds add visual appeal to any property. Dig a shallow 8-inch wide trench surrounding garden beds, then cover it with 3 inches of mulch; or install a barrier-style perimeter edging of metal, stone, rubber or wood.

Give your home a fresh look with color (BPT) - Have a space that needs to go from drab to fab quickly, easily and cost-effectively? Color is the key. While a fresh coat of paint can give any room an instant lift, you can also use color in a variety of ways – all of which will make a splash without draining your wallet. These tips can work for anyone looking to add color to their home: * Identify a colorful object as the focal point of the room. Select bold items to build your room around, such as a piece of artwork, rug or chair that really makes a statement. * Use a color palette to guide design choices. HGTV HOME by Sherwin-Williams takes the guesswork out of choosing colors with coordinated collections of color, paint and wallpaper designed to flow beautifully throughout your home. Mix and match the colors to help guide your wall, furniture and accessory color choices. * Coordinate your color transitions. For high-impact transitions, combine bolder shades with their more neutral counterparts. For a more tranquil transition, stick to softer or lighter shades that are from the same color family. * Highlight unexpected areas. Turn ordinary areas like ceilings, banisters or door frames into extraordinary spaces. If you want to keep walls neutral, paint a piece of furniture, such as a chair, headboard or the back of a bookshelf. For more tips and color inspiration, visit sherwin-williams.com/color.

Tips for managing your career on social media (BPT) - Whether you are a recent graduate or a seasoned professional, at some point you’ll likely find yourself searching for a new job. And how you use social media websites can have an impact on landing that next gig. You can’t be too cautious when it comes to social media. That’s because 37 percent of employers check social media websites as part of the hiring process, according to a survey of human resources professionals by CareerBuilder.com. Here are some tips from FindLaw.com on how to avoid career-limiting social media mistakes: Search yourself. Want to check out what your potential or current employer may see about you online? Do a search on any of the major search engines to get a snapshot of how you appear digitally. Avoid sharing sensitive work-related information. Don’t share privileged or confidential information about your company. It could put your career and the company at risk. Don’t vent about work. Don’t complain about your boss or how boring work is. Always assume that someone from your company may be watching what you say or post. To learn more about employment law, visit FindLaw.com.

Lou Gehrig's Disease stalks military veterans (BPT) - For reasons still unknown to the scientific community, veterans are twice as likely to develop Lou Gehrig’s Disease, clinically known as amyotrophic lateral sclerosis (ALS). “Veterans need to know that they do not have to battle ALS alone,” says Jane H. Gilbert, president and CEO of the ALS Association - the only national nonprofit dedicated to fighting Lou Gehrig’s disease on every front. “While we are working tirelessly to find a cure and answers for our men and women in uniform, the fact remains that veterans and their families too often are not aware of the abundance of aid and support that is available to them.” The U.S. Department of Veterans Affairs recognizes ALS as a service-connected disease and provides financial and medical support to those with at 90 continuous days of military service. Veterans with questions concerning their service benefits are encouraged to visit www.alsa.org/als-care/veterans/faqs-new-veterans.html. Services sometimes vary, but most chapters of The ALS Association loan a range of medical equipment to people with ALS including lift devices, wheelchairs and digital communication tools. In addition, chapters lead support groups and offer respite programs for family caregivers. A listing of local chapters can be found at www.alsa.org/community/chapters/.

Get ready to spice up summer meals (BPT) - The inspiration for a great taco can be found in many places – from farmers markets to food trucks to upscale restaurants. All across the country, chefs and home cooks alike are reinventing the taco with global flavors and fresh ingredients. Just in time for summertime celebrations, the Betty Crocker Kitchens partnered with Old El Paso to create five tacos with a twist. “We were inspired by the creative tacos we’ve been seeing, and wanted to bring these global influences home with some simple ideas for fresh taco-and-margarita pairings,” says Jennifer Kalinowski, Food Content Strategy, Betty Crocker Kitchens. All suggestions feature the five elements that make an awesome taco experience: a shell + hot filling + cold topping + sauce + finishing touch such as a fresh garnish. Take this formula and customize and experiment – tacos are the ultimate fun, casual food. This summer and beyond, enjoy a global taste experience at home with this taco idea: Tex-Mex inspired Create your own puffy taco shell, widely served at restaurants. The make-at-home secret: flour tortillas transformed into puffy shells. Chipotle Chicken Puffy Tacos: Puffy taco shells stuffed with pulled rotisserie chicken in chipotle sauce, topped with fresh guacamole, salsa and favorite toppings like lettuce, tomato and queso fresco.

How your unused airline miles can help a child (BPT) - If you’re one of the millions of Americans who are collectively holding on to some 9.7 trillion unused airline miles, there is an easy way to use those miles to help change the lives of children with life-threatening medical conditions. Make-A-Wish, the world’s largest wish granting organization, recently launched a concerted effort – in part to celebrate World Wish Day on April 29 – to raise airline miles and dollars to fund tickets for wishes that involve travel. Make-A-Wish grants 14,000 life-changing wishes each year to children with life-threatening medical conditions; 74 percent, or 10,360, of those wishes require air travel. This equates to some staggering numbers: in order to fulfill all of these wishes each year, Make-A-Wish needs approximately 50,000 airline tickets or 2.5 billion airline miles or $37.5 million. Each wish-come-true is a powerful moment in a recipient’s life. The wish experience is often a pivot point in the course of a child’s treatment, and can make them feel better, and in some cases, even help them get better. A wish-come-true strengthens families, provides moments of happiness and inspiration, and helps create strong community bonds. Donate airline miles or dollars by visiting http://www.wish.org/tickets.

Advice for choosing a financial advisor (BPT) - Saving for retirement is an essential task, but one that can be complex and demand a lot of attention. By hiring an independent registered investment advisor - commonly referred to as an RIA - you can make sure your investments are managed on a full-time basis by a professional, while still having control. Of course deciding to put someone in charge of your hard-earned money is not a process to be taken lightly. TD Ameritrade offers these tips to consider as you choose an RIA: * Investigate the person or company you enlist to handle your money. Agencies like the Securities and Exchange Commission collect background information that can be accessed online. * Know the difference between working with an independent RIA and other financial service providers. Independent RIAs, for example, are bound by law to act in their clients' best interest. * Ask how RIAs are compensated. Fee-only compensation generally minimizes conflicts of interest and means that your advisor is paid only by you, not investment product providers. * Check to make sure your advisor's firm is audited on a regular basis. If you need help finding a financial advisor through the TD Ameritrade AdvisorDirect program, visit www.tdameritrade.com/service/advisor-referral.page. * Under no circumstances should participation by a certain RIA in AdvisorDirect be considered an endorsement or recommendation by TD Ameritrade for that particular RIA. Brokerage transactions executed through TD Ameritrade are subject to standard transaction charges.

Tips to select the right camp for your child (BPT) - Whether you’re looking at a local day camp or an overnight experience, the key to finding the right one involves some research. That means not only learning about all the options, but carefully screening them to ensure your child will be safe and have a fun and memorable time. If you’re looking for a camp to enhance the skills of your child, or to offer them a little adventure, here are some tips from FindLaw.com on how to select the right camp for your child: Get references – Ask the camp for two to three references of parents who live near you. Don’t hesitate to contact those parents to learn about their child’s experience at the camp. Check the camp’s hiring procedures – Camps should readily share their protocol for staff background checks, which should include criminal background checks and personal references. In addition, make sure the camp offers its staff training on appropriate communication and discipline. Ask about emergency procedures – Findings from an American Camp Association study indicate that few camps systematically review their health and injury records to make improvements toward preventing or reducing injuries and illnesses. With that in mind, ask the camp about policies and procedures for handling medical emergencies, especially if you’re sending your child to a sports camp.

Make laundry safety a priority this summer - and always (BPT) - Sunnier skies and summertime fun are just around the corner, and with them comes plenty of outdoor activities like longs days at the playground, sporting events and barbecues. The American Cleaning Institute (ACI) offers the following steps to help you take your laundry routine off autopilot: Before you start your laundry: * To reduce the risk of curious children getting into single-load liquid laundry packets, as soon as you bring them into your home, immediately store them safely * Keep single-load liquid laundry packets in their original containers with the labels intact to prevent misuse. Teach young children that laundry products and their containers are not toys. * Familiarize yourself with laundry product labels and know where the safety information is located on the label. * In the event of an emergency, also keep the Poison Control Center phone number (1-800-222-1222) available at all times. * Do not let children handle laundry packets * Do not puncture or pull packets apart * Packets quickly dissolve upon contact so keep them dry * If packets rupture, they can release contents into the eyes * Always close the single-load liquid laundry packet container or pouch and make it a habit to put them away immediately after use.

Got student debt? How your credit affects more than just borrowing power (BPT) - If you’re a recent college graduate, chances are you left school with more than just a diploma. You’re probably carrying debt, as well. You may already know how debt affects your future borrowing power, but it’s important to also understand how credit impacts other areas of your financial life, as well – such as how easily you’ll be able to rent an apartment when you leave home. Here’s what recent graduates should know about the impact of credit: * Your credit score will likely affect your auto insurance rates. Credit scores are one of the factors auto insurance companies look at when deciding what your premium will be. * Landlords and rental companies will almost certainly want to review your credit before agreeing to rent a home to you. A history of on-time payments and smart credit use can make landlords view you as a good potential renter. * When you initiate an account with a utility company such as electric or gas providers, the company will ask to review your credit. Blemishes on your credit report may prompt the utility to ask for a higher security deposit. Online resources like Equifax.com and the Equifax Finance Blog can help you understand credit and how credit reporting and scoring works.

Simple ways to save water, money and your landscaping this summer (BPT) - Traditional watering methods for lawns, gardens and flower beds waste a lot of water through run-off, over-saturation and evaporation. Rather than spraying water over plants, use a method that delivers the right amount of water where it will do the most good – the roots of plants. Drip irrigation systems, like those offered by Mister Landscaper, can help you water more effectively. These systems deliver water as close as possible to plant roots, allowing you to achieve better results with less water used. You’ll also lose less water to run-off and evaporation. Place the system on a timer, and you can also ensure you’re watering at optimum times of the day to reduce evaporation and waste. A starter kit with 50 linear feet of tubing – ample enough to handle most gardens and planting beds – cost less than $1 per foot. Visit www.misterlandscaper.com to learn more. Water lawns, gardens and flower beds either early in the morning or as evening approaches to ensure you don’t lose moisture to the hot sun. And if a day is windy, hold off watering lawns altogether as the breeze could leave you watering the sidewalk or driveway, rather than your grass.

Listen up: For better hearing, work with an audiologist (BPT) - When it comes to startling health statistics, here are several you may not have heard: 36 million American have a hearing loss, yet only one out of every four people who could benefit from a hearing aid actually wears one, according to the National Institutes of Health’s National Information Center on Deafness and Other Communication Disorders. Millions of Americans “miss or misunderstand” much of everyday conversation. The first step for finding the right hearing aid is to see an audiologist. Audiologists hold doctoral degrees and are uniquely qualified to evaluate hearing loss and communication needs such as hearing in noisy environments like restaurants, in business meetings, church services, lectures, or just listening to the TV or an iPod. An audiologist can prescribe, program, fit and customize a hearing aid’s high tech capabilities to improve your listening and communication experiences. The nonprofit Audiology Awareness Campaign, which provides the public with information on hearing loss, is sponsoring the sixth annual “Listen Up America Week, National Hearing Screening Week” May 13 to 17, 2013. In communities throughout the country, audiologists will offer free hearing screenings. Call (888) 833-EARS (3277) or visit www.audiologyawareness.com to find an audiologist in your area.

How to take advantage of home improvement tax rebates before time runs out (BPT) - When U.S. lawmakers made a deal to keep the country from going off the “fiscal cliff” at the end of 2012, they reinstated a tax break of up to $500 to help homeowners earn money back for energy efficient home improvements. The tax credit included in the American Taxpayer Relief Act of 2012 is the first home improvement incentive since 2011, making this remodeling season an opportune time to upgrade your home’s energy efficiency and curb appeal before time runs out on Dec. 31, 2013. “For anyone who regrets missing their chance to receive a tax credit for energy efficient home improvements, this is an incredible opportunity,” says Chris Pickering, vice president of marketing for Ply Gem Windows. Look to products like the Ply Gem Windows Mira Premium Series, which can be configured to meet ENERGY STAR requirements in every U.S. climate zone and are available in 38 colors, with multiple shapes and grille patterns. To find ENERGY STAR rated window and door products for your climate zone, visit www.plygemwindows.com and consult with your local dealer or contractor to ensure the products you are purchasing qualify for the tax credit.

How to manage money when you're between jobs (BPT) - Though the U.S. economy has been gradually improving, job changes - both involuntary and voluntary - remain a fact of American working life. “It's also a fact that bills need to be paid whether you're employed or not,” says J.J. Montanaro, a certified financial planner with USAA. To help you cover expenses and protect your finances as you transition from one job to the next, Montanaro offers these tips. 1. Decide how to collect your final pay. 2. File for unemployment benefits. It may take two to three weeks to process your claim, so contact your state's unemployment office pronto. 3. Reduce your spending. 4. Strengthen your emergency fund. 5. Avoid cleaning your financial slate. While you may be tempted to use your severance or other assets to pay off your car, credit cards or other debt, you may be better off making only the required or minimal payments. 6. Review your health insurance options. At most companies, federal law allows you to keep your employer-provided health insurance for up to 18 months. 7. Protect your retirement. If you have a 401(k) or other employer retirement plan, avoid the temptation to cash it out when you leave.

It's all in the details - how to accessorize your home exterior (BPT) - When considering exterior home improvements, many homeowners go for updates such as the replacement of siding or windows. No matter how much homeowners invest in siding or windows, it will only look as good as the trim used to complete the job. Trim products are designed to be used around windows, doors, eaves and gables and for application on your home’s corners and porch columns. Many installers opt for basic corner posts, J-channels and finishing accessories, which are functional, but also detract from the home’s overall style. Going beyond the basics is very affordable and can make a big difference in your investment. Whether you prefer a modern, traditional, rustic or Victorian style, there are many trim options to consider. But if you want the look of real wood without the maintenance or having to replace in a few years, turn to building products manufacturers like Ply Gem that now offer cellular PVC trim with a warranty that is set up to last as long as your mortgage. Features of this material typically include a wood grain or smooth finish option, natural wood dimensions and resistance to rotting, cracking and splitting. Due to the superior material, paint will also adhere better and stay bright longer than painted wood.

Moving? Tips to make the most of your DIY move (BPT) - New jobs, first jobs, relationships and looking for a change in weather – these are just a few reasons people have for moving. Most families move during the warmer months, and many choose to move to warmer locations. “Atlanta is still the top location to move to, and six other warm weather destinations help round out the top 10 moving destination list,” says Don Mikes, senior vice president of truck rental for Penske. “We’re seeing patterns in our 2012 consumer truck rentals of people moving south for more warmth and sunshine.” Penske’s top 10 moving destinations for 2012 were: 1. Atlanta 2. Dallas/Fort Worth 3. Phoenix 4. Orlando, Fla. 5. Chicago 6. Houston 7. Denver 8. Seattle 9. Charlotte, N.C. 10. Sarasota, Fla. If you're planning a move to any state this year, Penske, which has been renting out moving trucks to do-it-yourselfers for more than 40 years. You can find moving tips at www.PenskeTruckRental.com.

Honeymoon encore: The big move in (BPT) - It may come as a surprise to young engaged couples, but the excitement of the wedding and honeymoon doesn’t end when it’s all over. In fact, after the honeymoon, it’s time to roll up your sleeves and plan the big move – the joining of two households. Many newlyweds face the chore of merging furniture, kitchen equipment and closet space from two households. To start your moving process off on the right foot, consider eliminating duplicate items and having a garage sale, or donating items, before beginning the packing process. It’s a great chance to upgrade household furnishings – especially if you received something new as a wedding gift. Then determine what size of moving truck you’ll need. A good rule is to plan for 150 cubic feet of space for every fully furnished room. Many young couples moving from a small apartment or condo into a larger first home will find a 12- or 16-foot Penske rental truck more than adequate. Plan to reserve your truck at least two weeks in advance. Penske Truck Rental offers rental discounts for AAA members to help young couples with savings.

Money and marriage: Tips to achieve financial happiness (BPT) - Fights over finances are a leading cause of stress and divorce, yet a new survey indicates that while the average couple fights over money five times a year, they discuss finances rationally fewer than two times a month. The survey conducted by TD Ameritrade Holding Corporation and LearnVest, found that couples today face three top concerns when it comes to their finances: Not having enough money to retire (27 percent), not having enough money to live as they wish (25 percent), and not having enough money to even live comfortably (24 percent). Trust over money also emerged as a big issue. Forty percent of respondents do not completely trust their partner to manage their combined finances. Just over one in five (21 percent) admit they sometimes hide their spending from their partner. Thirty-eight percent say they are either unaware or only partially aware of their mate’s debts. Perhaps they feel that ignorance is bliss. More people are marrying later in life, so one or both partners may enter the union with a 401(k), IRA or other investment accounts. It’s important to discuss long-term retirement savings goals, and understand how you both plan to manage these accounts. Websites like TD Ameritrade’s Life 2.0 and TD Ameritrade’s Retirement Planning Resource Center can help by offering access to free resources like retirement calculators and portfolio planners.

Tips for baby boomers seeking divorce (BPT) - Baby boomer couples that have been married 25 years or more are divorcing at record rates, according to a recent study by the National Center for Family and Marriage Research at Bowling Green University in Ohio. “Because of several high-profile splits of baby boomer couples in the news recently, most people would assume that infidelity is the leading cause of divorce among older Americans,” says Don Cosley, a divorce attorney with the Cosley Law Office in Chicago. “The reality is that lack of communication is often the deal breaker. Empty nesters wake up one day and realize they have nothing in common with their spouse. That’s because they haven’t kept up the communication in their marriages.” Unlike a younger couple that divorces, when a couple that has been married for a long time breaks up, the impact can be dramatic for the couple and those around them, notes Cosley. The division of assets, health care issues, handling long-time friendships with other couples, and sharing the holidays with adult children are just some of the issues that come up in the dissolution of a long-time marriage. To learn more about divorce law and find an attorney near you, visit FindLaw.com.

Tips on how to use Craigslist safely and responsibly (BPT) - Every day, millions of Americans turn to Craigslist.org to buy and sell used items, look for jobs, meet others, or find a vacation property. Here are some helpful tips from FindLaw.com about how to navigate Craigslist safely and responsibly: If it sounds too good to be true, it probably is. If it sounds like it’s too good of a deal or it’s too easy, it’s best to just avoid. Get a separate email account. Open up a free Gmail or Yahoo email account for Craigslist as a preventive measure to protect your privacy. Avoid using the email you frequently use for communicating with friends and family, or your work email. Never share personal or financial information. If someone starts asking you personal questions about where you live, about your work, your appearance, about where you like to hang out, your family or your finances, raise the red flags immediately and cease communications with the other party. Always meet in a public place. To complete your deal, meet during daylight hours in a public place that sees a lot of traffic, like a fast-food restaurant or a shopping mall.

Tips for motorcycle riders: Hit the road and ride responsibly (BPT) - Freedom. The open road. There’s nothing quite like the big sky ahead of you and feeling the rumble of your motorcycle. It’s motorcycle season across the United States and Canada. Warm weather accompanied by clear roads means it’s time to seek adventure, even if that means ditching your car for your daily commute to and from work. But before heading out, motorcyclists should take heed, because in our automobile and truck-dominated society the odds are not on the side of motorcyclists, according to FindLaw.com, the nation’s leading website for free legal information. Motorcycle operators account for about 2 percent of the vehicles on the road, but account for 14 percent of all road traffic deaths, according to the Network of Employers for Traffic Safety. “For freedom of the road, motorcyclists take on greater risks,” says Timothy D. McMahon, a personal injury attorney who specializes in motorcycle cases for the San Jose law firm, Corsiglia McMahon & Allard. “But you can reduce your risks by doing four simple things,” says McMahon. “Make sure you’re properly insured, wear a helmet, make sure your bike is in good working condition and keep learning, so you are always improving your riding skills.”

Curb appeal: 2013's hottest home improvement trend (BPT) - The busy home remodeling season is a great time for homeowners to focus on increasing curb appeal. “Homeowners want it all in 2013; low maintenance products that perform and style that breaks the cookie-cutter mold,” says Jerry Blais, vice president, marketing, Ply Gem siding group. “Colorful vinyl siding options in different styles, combined with complementary trim, stone veneer and designer accents that set your home apart are in demand for home improvements.” For experienced DIYers considering a weekend project, painting the front door or replacing shutters is a simple solution with dramatic results. These small changes create a focal point for the house and provide a warm, inviting appearance with a modern feel. Brands such as Mastic Home Exteriors by Ply Gem offer shutters in dozens of pre-selected colors, which can also be painted for a custom look. For those ready to create a whole new style, installing new siding and trim can infuse life into a bland exterior. Vinyl siding, stone veneer and designer accents have evolved over the years, with vastly expanded color palettes, easy maintenance and a natural look. By incorporating cellular PVC trim as an accent to vinyl siding and stone, even the most discerning homeowners will get a low maintenance, sophisticated look to meet high-style demands.

Three tips to make your hospital stay safer (BPT) - If you’re facing a hospitalization – either planned or unexpected – you can take steps to help your caregivers ensure your safety. Just 50 years ago, about one in every 1,500 procedures resulted in an anesthesia-related fatality. Now, such incidents occur in less than one in every 200,000 procedures when an anesthesiologist administers or supervises the patient’s anesthesia care, according to the American Society of Anesthesiologists. Still fear of undergoing anesthesia remains a common concern for hospitalized patients. You can mitigate that concern by learning all you can about the team of professionals that will oversee your anesthesia care. Anesthesiologists, medical doctors who specialize in the field of anesthesiology, undergo more than eight years of advanced medical training, preparing them to make split-second decisions to safeguard your health before, during and after surgery. Your anesthesiologist will oversee your anesthesia care team, which may also include an anesthesiologist assistant and a nurse anesthetist. In addition to understanding how anesthesia will be used during your surgery and who will be managing your anesthesia care, it’s important to take steps to prepare yourself before surgery. Follow all pre-operative instructions from your doctors, including your anesthesiologist, and quit smoking. Do your best to get a full eight hours of rest before your surgery, and make sure your doctors – including the anesthesiologist – are all aware of every medication you take. You can learn more about anesthesia and prepping for surgery at www.lifelinetomodernmedicine.com/.

Popular remodeling trends for spring home improvement (BPT) - It’s time to think spring which means fresh home updates. Spring home improvement projects will help you update add comfort and save more of your hard-earned paycheck. Jumpstart your spring projects with inspiration from these 2013 remodeling trends. Energy-saving updates From low-volatile organic compound (VOC) paints and adhesives to more energy-efficient windows and furnaces, spring projects can help improve air quality and increase your comfort. Look for ENERGY STAR-qualified products that help lower your home’s energy consumption, and in turn, your utility bills. Better bathrooms Energy-efficient Pella Designer Series wood windows and patio doors bring in the sunshine, and provide privacy with optional between-the-glass window fashions. Pella between-the-glass blinds and shades also help reduce certain indoor airborne allergens from accumulating, improving indoor air quality. Cordless window fashions also are safer for homes with children and pets. Hot kitchens Yahoo! Homes says 2013 kitchen remodeling trends focus on practical, durable and do-it-yourself (DIY) projects like refacing kitchen cabinets, adding quartz composite countertops, hardwood-looking engineered floors, deep bowl kitchen sinks, commercial-style or built-in appliances and mixing colors and tones on cabinets.

Digging soon? Call 811 first for safety's sake (BPT) - Every digging project, no matter how large or small, warrants a free call to 811. Installing a mailbox or fence, building a deck and landscaping are all examples of digging projects that should only begin a few days after making a call to 811. Here’s how it works: 1. One free, simple phone call to 811 makes it easy for your local one-call center to notify all appropriate utility companies of your intent to dig. Call a few days prior to digging to ensure enough time for the approximate location of utility lines to be marked with flags or paint. 2. When you call 811, a representative from your local one-call center will ask for the location and description of your digging project. 3. Your local one-call center will notify affected utility companies, which will then send professional locators to the proposed dig site to mark the approximate location of your lines. 4. Only once all lines have been accurately marked, roll up those sleeves and carefully dig around the marked areas. To find out more information about 811 or the one-call utility notification center in your area, visit www.call811.com.

Tips for knowing when it's time to replace products on your home (BPT) - Every element of a home’s exterior, from the top of the roof down to the front entry door, will eventually need to be replaced on a home. Contractor and home improvement expert Mark Clement offers a variety of tips for how to determine when it’s time to replace your roof, windows, entry door and trim. “We have a 100-year-old home and just replaced the original decaying wood door with a Therma-Tru fiberglass door and trimmed it out with long-lasting PVC millwork from Fypon,” says Clement, co-host of MyFixItUpLife radio show. “We also replaced older windows with ENERGY STAR qualified vinyl windows from Simonton Windows and added a new polymer slate roof from DaVinci Roofscapes. These are all man-made products that add more life to our house. Plus, we’re saving more on our daily energy bills because of the incredible features of these products.” Clement’s tips include everything from inspecting your roof with binoculars to evaluating your windows and doors for air leakage. He offers ideas on seeking out energy-efficient, low maintenance products when it comes time to make an investment in new products for the home.

As housing market warms, keep these buying tips in mind (BPT) - Home sales seem to be finally warming up after a five-year chill, as demand gradually builds among first-time homebuyers and existing homeowners seeking more room. Here are some tips from FindLaw.com about buying a home within the next six to nine months: Start planning now. Build up your cash for a down payment plus other expenses that come with owning a home. Check your credit report for accuracy. Get a pre-approval letter. After shopping around for a financial institution, seek to become pre-approved for a home mortgage. Get a lawyer. In some states, a real estate attorney is required by law to be part of the process of making an offer and reviewing loan documents as part of the closing, according to FindLaw.com. Where a real estate attorney isn’t required, buyers and sellers should consider seeking legal assistance for more complex matters. Get to know the neighborhood. Start your home search by first targeting a neighborhood where you want to live. Great schools attract families, and keep up home values. Avoid busy streets, homes under flight patterns or near railroad tracks. And contact the local police department for crime statistics and the location of nearby sex offenders. To get more information about buying a home, visit www.findlaw.com.

Hiring pros for spring cleaning tasks? What to look for and what it should cost (BPT) - When you hire a professional to handle a cleaning task, how do you know what he or she should be doing for the money you pay? For that matter, how do you know how much you should expect to pay? Here are some common spring cleaning and maintenance tasks that you might hire a professional to do – and some guidance for what these jobs should entail and cost. Regular maintenance of your home’s heating, ventilation and air conditioning systems can help avoid costly break-downs, and keeping air ducts clean can improve air quality in your home. Before you hire someone to clean your air ducts and service your HVAC systems, check their credentials with a credible organization like NADCA, the HVAC Inspection, Maintenance & Restoration Association. NADCA members carry general liability insurance, have at least one person on staff trained and certified as an Air Systems Cleaning Specialist, and clean and restore heating and cooling systems following the association’s guidelines. A cleaning/maintenance inspection should include examination and cleaning of ductwork, including supply and air return ducts; cleaning of all supply registers, return air grilles and diffusers; cleaning of supply and return air plenums; and maintenance on various parts of the system. Check the NADCA website at www.nadca.com for a complete checklist of what a cleaning should entail. A typical cleaning should cost between $450 and $1,000 per system, depending on the services rendered, the size of the system, how easily accessible it is and how dirty it is, according to NADCA.

Deductions that could dramatically cut your tax bill (BPT) - For all the talk about taxes during the “fiscal cliff” debate at the end of 2012, many people are still left wondering what it means to them as the April 15 filing date approaches. Brush up on these five deductions before tackling your tax return. 1. Traditional IRA contributions. You have until April 15 to contribute up to $5,000 to a traditional IRA for 2012 and, if you qualify, deduct it on your tax return. 2. Self-employed retirement plans. If you work for yourself, you can open a Simplified Employee Pension IRA by April 15 and deduct your contribution on your 2012 return. 3. Mortgage interest. You're allowed to deduct interest paid on your primary mortgage, as well as home equity loans, home improvement loans and lines of credit. 4. State and local taxes. The federal government generally allows taxpayers to deduct property and income taxes paid to state and local governments. 5. Sales tax. If you didn't pay much state income tax - or live in a state that doesn't tax income at all - you may be able to choose to deduct sales tax instead.

Do's and don'ts of shopping for dads and grads (BPT) - Father’s Day and graduations are coming up, and that means you’ll have to think of appropriate gifts for the men and women in your life. A few tips and tricks will help you pick out a gift the recipient is sure to love. Do: * Know what activities Dad enjoys doing. * Buy Dad or a grad a gift the whole family will enjoy, like an LG Electronics Streaming Sound Bar. It’s a great way to upgrade your home’s HDTV. * Consider giving your grad cash. * Be a tourist in your hometown and share the experience with Dad or the grad. * Spread your gift out through the whole year with a subscription services and a sound bar from LG to upgrade the HDTV. * Remember that grads would love a place to plug in their music, and LG’s dual docking station is perfect for everything from visiting a friend’s dorm room to just lounging around the apartment. Don’t: * Buy Dad a tie. * Buy clothing for a graduate — think gift cards instead. * Pick up the customary graduation pen. * Buy exercise equipment unless you know it will be used. * Skimp on technology — you don’t want it to be out of date the moment you walk out of the store. Regardless of what you give a grad or Dad, she or he will appreciate it the most when your gift comes from your heart.

A celebrity chef's tips for scoring big with game-day partying (BPT) - Whatever sports you like to watch – whether pro levels or big collegiate moments such as the NCAA Men's Final Four, NCAA Frozen Four or College World Series – they all have one important thing in common: watching with friends makes them even more fun. Hosting the perfect game-day viewing party is sure to score big with your friends, no matter what sport you’re watching together. So what’s the perfect game plan for game-day partying? Chef Richard Blais, winner of Bravo’s Top Chef All-Stars and author of “Try This at Home: Recipes from My Head to Your Plate” offers a few easy tips and a tasty game-day recipe below: * Easy access. Make entertaining as simple as possible by stocking your fridge a few days in advance. Consider using appliances that will help you save time, such as LG’s super-capacity fridge that features a magnetically sealed “door in door” section for fast, easy access to commonly reached-for items. * Beverage bliss. Punch is all the rage right now in beverage trends, and a great way to make a large-batch cocktail, alcoholic or not. You can use your favorite spirits and juices and finish with a nice carbonated beverage. * Courtside seats at home. Designate an area of the house for socializing and an area for the serious fans that want the best picture quality possible and no distractions. A really big “ultra high definition” screen like LG’s new 84-inch TV that displays 8 million pixels, is perfect for the serious fans that want to feel like they are sitting courtside.

Simple ways to save energy at home in just minutes (BPT) - Home is where the heart is. But it’s also a place where families can be more conscious of their energy use. While conserving energy helps save the planet, it also helps homeowners save money. Reduce, reuse and e-cycle Phantom energy waste – the amount of energy plugged-in appliances and other electronics draw even when turned off – can add up. You can reduce phantom energy drain by unplugging appliances you don’t frequently use or installing power strips that can easily be turned off. The waste, the washer and the wardrobe Energy Star-qualified washers use about 20 percent less energy and 35 percent less water than standard washers. Larger-capacity machines save energy because you can wash more clothes in fewer loads. One new “mega-capacity” washer from LG has the largest capacity in the industry at 5.1 cubic feet. Plus, it features a special turbo wash technology that saves up to 20 minutes per load. A bright idea: LED bulbs When it comes to lights, one of the simplest yet most impactful ways to go green is to switch to LED light bulbs. They’re the most energy efficient option and last 10 times longer than compact fluorescent bulbs.

Turn over a new leaf this season with a home energy makeover (BPT) - As the seasons change, turn over a new leaf and give your home an energy makeover. Here are some tips to get you started. Improve comfort while staying efficient: An energy-efficient indoor air cleaner, such as the AccuClean from American Standard Heating & Air Conditioning, an Ingersoll Rand brand, removes up to 99.98 percent of allergens down to 0.1 micron in size, making it 100 times more effective than a standard one-inch throwaway filter. Adjust your thermostat: Another way to manage home energy is to simply adjust your thermostat. For every degree you raise your thermostat in the summer, you can cut cooling costs up to 6 percent, and for every degree you lower your thermostat in the winter, you can save about 3 percent. Manage energy efficiency from anywhere, even while you’re away: Nexia Home Intelligence, also a brand of Ingersoll Rand, combines wireless technology with simple Web access. You can use it to reduce energy consumption and costs by putting your heating and cooling system into an energy savings mode while you’re not there.

Class of 2013: The future careers of this year's high school graduates (BPT) - High school seniors nationwide are preparing to graduate, receiving college acceptance letters and possibly enrolling in a college or university. The challenging economy has made many of these young adults acutely aware of the important role their degree can play when they face commencement once again, this time entering the job market. “Knowledge of projected industry growth is extremely helpful as students choose their major or area of study,” says Dr. Chad Kennedy, chair and professor of biomedical engineering technology in the College of Engineering and Information Sciences at DeVry University. “Unlike some career fields where opportunities are shrinking, many technology and engineering fields are expanding at double-digit rates. In fact, many employers can’t find enough qualified applicants to meet their needs.” The workforce is rapidly evolving; some of the most desired professional roles of yesterday are shrinking today and will become obsolete tomorrow. The class of 2013 will enter emerging career fields, managing the technologies that drive advanced hospital settings, leading development of the next cloud-based application and protecting companies and consumers from cyber and financial fraud alike.

Don't let these myths rain on your retirement party (BPT) - Here's a look at five common myths that could derail your expectations for income when you retire. Myth 1: You won't be around long enough to go through your money The reality: Life expectancies are at record highs in the United States. To help stretch your money, consider incorporating immediate and deferred annuities into your planning. Myth 2: You should get out of stocks when you retire The reality: Regularly reviewing, and if necessary, rebalancing your portfolio based on your risk tolerance can lock in gains from strong-performing asset classes. Myth 3: You can just keep working The reality: Your plan should both keep you from having to work the rest of your life and deal with the consequences of unexpected surprises that prevent you from earning a paycheck. Myth 4: An inheritance will bail you out The reality: You may be hoping for an inheritance as a potential retirement boost. But hope is not a strategy, and counting on an inheritance can create big problems if it doesn't come through. Myth 5: Your taxes will be lower in retirement. The reality: Big government deficits make future tax increases much more likely.

Seleccione el seguro idóneo para su negocio en casa (BPT) - Los negocios con sede en casa están prosperando. Según el Instituto de Negocios en Casa (Home Based Business Institute), cerca de 36.6 millones de negocios operan desde viviendas en los Estados Unidos. Charles Valinotti, director de seguros y productos de la aseguradora QBE, afirma que se debe garantizar un seguro idóneo para proteger su empresa en casa. Valinotti agrega que, en dependencia del tipo de negocios que esté preparando, existen tres opciones de seguros que debe considerar: * Endoso a la póliza de propietario de vivienda: el endoso es una estipulación especial que se incorpora a una póliza de seguros para ampliar o restringir su cobertura. La adición de un simple endoso puede incrementar la cobertura para los equipos de oficina como computadoras. También querrá considerar la adquisición de un endoso de responsabilidad civil del propietario. * Póliza para negocios en casa: Valinotti explica que esta póliza también se conoce como endoso de negocio en casa, y cuenta con más cobertura integral de la propiedad y los equipos, así como protección en caso de pérdida de ingresos, gastos adicionales, y responsabilidad por lesiones ocasionadas por los productos y servicios que usted ofrece. * Póliza para dueños de negocios: según Valinotti, si su negocio en casa radica en más de un sitio, esta póliza es la ideal, pues ofrece una cobertura de propiedad y responsabilidad civil más amplia que la póliza para negocios en casa. “Si hace negocios en su vivienda, necesita seguro. Y encontrar la cobertura ideal contribuye en gran medida a darle tranquilidad mental, y posibilita su negocio especial”, añade Valinotti.

Select the right insurance for your home-based business (BPT) - Home-based businesses are booming. About 36.6 million businesses operate from U.S. households, according to the Home Based Business Institute. Charles Valinotti, head of underwriting & product with insurer QBE, says that you should make sure you have the right insurance to protect your at-home enterprise. Depending on what type of business you’re brewing, Valinotti says there are three insurance options you’ll want to consider: * Homeowner’s policy endorsement: Adding a simple endorsement can increase coverage for business equipment, such as computers. You’ll also want to look into buying a homeowner’s liability endorsement. * In-home business policy: Valinotti says this policy is also known as an in-home business endorsement. It includes comprehensive property and equipment coverage, as well as protection for loss of income, extra expenses incurred, and liability for injuries caused by the products and services you offer. * Business owner’s policy: If your home-based business is in more than one location, this policy might fit the bill, Valinotti says. It gives broader property and liability coverage than the in-home business policy. “If you’re doing business at home, you need insurance. Finding the right coverage will go a long way to give you peace of mind and help make your special business possible,” Valinotti says.

Save a bundle by bundling insurance (BPT) - Bundling insurance products with one company - and scoring cheaper premiums as a reward - isn’t a new concept. It’s a perennially popular option, and the benefits it offers can lead to greater satisfaction and greater savings. Charles Valinotti, Head of Underwriting & Product with insurer QBE, says bundling insurance policies offers other benefits besides lower premiums. “Customer convenience is one advantage,” says Valinotti. “It’s easier to manage insurance policies when you don’t have to work with multiple insurers.” How can you get the biggest bang out of your insurance bundle? Valinotti suggests: * Take a look at all your insurance policies. If they’re not with the same insurance company, you could be losing as much as 25 percent in discounts. * Consider adding an umbrella policy. If you own your home, an umbrella policy gives you extra liability protection on your home and car, and might earn you other discounts. * Research options for renters. Look into bundling a renters policy with your car insurance, which might result in as much as a 20 percent discount on your auto coverage. Valinotti adds, “Make sure you speak with your agent about all available bundling options and choose those you’re most comfortable with.”

Secrets of what's driving American travelers this season (BPT) - Now that spring has sprung, drivers will be hitting the road in earnest to enjoy the warmer weather. In fact, according to Hankook Tire’s latest Quarterly Gauge Index, 56 percent of Americans are planning to take a road trip that involves driving 50 miles or more, on average estimating they will drive 1,025 miles. What is it about spring, besides the obvious pleasurable weather, that has so many people hitting the road? Family Time: The same survey found that one third of Americans will be considering taking a road trip for family reunions. Not only is the warmer weather ideal for driving, it is perfect for picnics, barbecues and other fun outdoor activities. Music Concerts and Festivals: The sounds of birds chirping aren’t the only tunes filling the spring skies. From Coachella to the New Orleans Jazz Festival to Bonnaroo, music fans will be racking up the miles to jam with their favorite artists. Sporting Events: With America’s favorite pastime in full swing, many people will be traveling to their local ballparks to take in all the action. But why stop there? Avid fans also pack up and follow their teams to opponent’s stadiums. Keep in mind that spring isn’t all sunshine, as rain is often sprinkled into weather forecasts. Tires like the Hankook Ventus S1 noble2 have an advanced silica tread compound for improved traction in both wet and dry conditions. They also offer lower rolling resistance, delivering improved efficiency and fuel savings by minimizing wasted energy.

Easy DIY cures for common concrete problems (BPT) - As with other home maintenance tasks, making your own repairs to minor concrete damage yourself can prevent problems from becoming worse – and turning into something that requires costly replacement by professionals. Here are some concrete repair tasks that you can do yourself, and helpful tips for doing the jobs right: Repairing cracks in sidewalks and concrete driveways - For minor cracks, use a product like Sakrete’s Concrete and Mortar Repair which comes in an easy-to-use caulk tube or Sakrete Concrete Filler which comes in a one quart squeezable bottle. Larger cracks may require a different product, such as Sakrete Top ‘n Bond Concrete Patcher. For any size crack, begin by cleaning the crack and the concrete around it. Use a wire brush or screwdriver to remove loose chips and dust from the crack. Then, using a garden hose, squirt water directly into the crack to force out all loose material. Allow standing water to drain before filling crack. Before you pay a professional to perform the labor-intensive task of ripping up the old concrete and pouring new, consider resurfacing your worn concrete driveway, sidewalk or pathway. While resurfacing is a little more work than simply patching cracks, it’s still well within the abilities of most DIYers. Products like Flo-Coat Resurfacer by Sakrete pour over the existing concrete and, when properly applied, create a durable, visually appealing new surface. Be sure to clean the concrete first – especially if there are oil stains – and follow the manufacturer’s directions for application to ensure the best possible results.

Staying at the top of your game (BPT) - Listening doesn’t typically come to mind as a highly coveted job skill. But the truth is, listening is one of the top skills employers look for in those being promoted, according to the International Listening Association. Both business practitioners and academics identify listening as one of the most important skills for an effective professional. Individual performance in an organization directly relates to listening ability or perceived listening effectiveness. And good listening skills are even tied to effective leadership. For those with hearing loss: Be encouraged. Today’s modern, sleek and virtually invisible hearing aids can help the vast majority of people with hearing loss. So no matter your line of work – from mechanic to nurse to C-suite executive – there are hearing-aid technologies and other approaches to dealing with hearing loss that can help. And remember: You are not alone. Roughly 60 percent of Americans with hearing loss are in the workforce overcoming the very same challenges you are. To take a free, quick and confidential online hearing check to determine if you need a comprehensive hearing test by a hearing healthcare professional, visit www.hearingcheck.org. For more information on hearing loss, visit www.BetterHearing.org.

Nursing home admissions avoided with simplified prescription packaging (BPT) - Almost half of seniors aged 65 and older take at least five different prescription drugs regularly, and one in four take between 10 and 19 pills each day according to data. In addition, more than half of seniors admit to not taking their medications as directed, and the adherence rate decreases as the number of daily medications prescribed increases. “For seniors, taking one pill a day is manageable, however the complexity of taking multiple medications each with its own set of instructions, represents a real challenge that impacts their health and independence, says Ian Salditch, CEO of Medicine-On-Time. “However, the difficulties associated with taking multiple medications can effectively be addressed through customized prescription packaging.” Salditch’s company developed Medicine-On-Time, where local pharmacists sort and organize medications into personalized pill cups labeled with the day, date and time to take them. Pharmacists provide all the pill cups to the patient organized into colorful calendar cards. It’s convenient, easy-to-use and, most importantly, proven effective to help people maintain independence and enjoy better health. Additional information on Medicine-On-Time can be found at www.Medicine-On-Time.com.

Diet rich in nutrients promotes a lifetime of healthy vision (BPT) - From dry eye to age-related eye diseases, research shows that nutrition plays a critical role in maintaining the health of our eyes. Caring for eyes includes looking carefully at what you eat. Consuming a variety of the following foods can help protect your eyes for the future; here’s what the American Optometric Association suggests: 1. Lutein and zeaxanthin: To help reduce your risk of developing age-related macular degeneration (AMD), eat one cup of colorful fruits and vegetables such as broccoli, spinach, kale, corn, green beans, peas, oranges and tangerines four times a week. 2. Essential fatty acids: Studies suggest omega-3 fatty acids such as flax or fleshy fish like tuna, salmon, or herring, whole grain foods, lean meats and eggs may help protect against AMD and dry eye. 3. Vitamin C: Fruits and vegetables, including oranges, grapefruit, strawberries, papaya, green peppers and tomatoes, can help minimize the risk of cataracts and AMD. 4. Vitamin E: Vegetable oils, such as safflower or corn oil, almonds, pecans, sweet potatoes, and sunflower seeds are powerful antioxidants that can slow the progression of AMD and cataract formation. 5. Zinc: A deficiency of zinc can result in poor night vision and lead to cataracts; therefore, consuming red meat, poultry, liver, shellfish, milk, baked beans, and whole grains on a daily basis is important.

Hitting the road or water? Tips to make outdoor time fun, memorable and safe (BPT) - Americans are falling in love with Mother Nature all over again, which could be why ownership of boats and recreational vehicles is more popular than ever. If you own a boat or RV, do you use it frequently, or is it sitting in your driveway? It’s time to get the most out of it, and with a few simple ideas, you’ll be able to hit the road and create some wonderful family memories. If you are a proud owner of a watercraft or RV, inspiration can be as close as your hometown or as far as across the country, with the help of a bit of research. Tired of the same old parks and lakes? A new resource, www.LiveLifeLocal.com, makes getting the most out of your boat or RV simple. It’s designed to spark inspiration by housing a visual collection of thousands of ideas and places to go with your boat or RV. You’ll find everyday user reviews, insider information from boat and RV experts, and tools to socially connect with other users who are passionate about the same things. The site even digs deeper into additional lifestyles, providing motorcycle owners and car road trippers the same great resources.

Make exterior trim part of home remodeling (BPT) - As existing home sales continue to climb and housing prices increase, remodeling is also on the rise, according to the Joint Center for Housing Studies of Harvard University. Replacing old or damaged exterior trim with engineered wood composite trim is one way homeowners can preserve design integrity, while remaining committed to green building principles. There are several options for replacing your existing trim. Traditional wood trim can split and swell, and is prone to knots and defects. Other materials, like PVC and fiber cement trim, have performance limitations and installation challenges. During extensive renovation of their 1830s Greek Revival-style farm house in Clifton Park, N.Y., Paul and Joanne Coons used more than 1,000 linear feet of MiraTEC Treated Exterior Composite Trim. “We reviewed several trim options, but we liked MiraTEC because it is a wood composite that doesn’t contain oil or vinyl like PVC trim, and it is manufactured with less embodied energy than products like fiber cement, which also creates a lot of silica dust when it’s cut,” says Paul Coons. Replacing your exterior trim is a great way to give your home a nice, clean new look. And, it can be done with the environment in mind. To learn more, visit www.miratectrim.com.

Safer flying strategies for travelers with peanut allergies (BPT) - Coping with a peanut or tree nut allergy doesn’t mean you have to forego the convenience of air travel. You can take steps to minimize your risk of having an allergic reaction while flying – and at least one study indicates you’ll feel much better if you’re proactive. The international study, published in the Journal of Allergy and Clinical Immunology-In Practice, found that peanut and tree nut-allergic travelers who took action lessened their odds of having a problem. The study’s lead author, pediatrician Dr. Matthew Greenhawt of the University of Michigan’s Food Allergy Center and C.S. Mott Children’s Hospital, is also a medical advisor to Kids With Food Allergies, a division of the Asthma and Allergy Foundation of America. Use these tips to minimize reaction risks while flying: * Visit the website of the air carrier and read about their policies for travelers with allergies. * Well before you fly, inform the airline of your peanut or tree nut allergy. * Carry a written emergency plan with you on your flight. * Always travel with a fresh supply of epinephrine auto-injectors and keep them with you at all times. * Consider wearing medical identification jewelry. These life-saving tags could help alert others to what’s wrong if you do suffer an allergic reaction. * Use antibacterial wipes to clean all surfaces you may touch on and around your seat. * Dine safely on food you’ve brought yourself. * Don’t use airline pillows or blankets. For more tips for traveling with food allergies, visit www.kidswithfoodallergies.org or www.aafa.org.

Cleaning the right way to remove allergens (BPT) - More than 40 million Americans suffer from allergy problems, and 25 million have asthma. If your cleaning routine doesn't specifically focus on allergen control and removal, you may be only moving dust around, sending allergens and irritating cleaning chemicals into the air which can affect allergy and asthma symptoms. To maximize your cleaning efforts and reduce allergens, consider these simple tips from the asthma & allergy friendly Certification Program, the healthy home initiative of the nonprofit Asthma and Allergy Foundation of America (AAFA): * Use a certified vacuum that has a high efficiency filter with tight seams and seals to prevent particles from leaking out while you vacuum. Also, choose a style that requires minimal exposure during canister emptying or bag changes. *Dusting improperly can actually increase airborne dust particles in your home. Use moist cloths or special dry dusters designed to trap and lock dust from hard surfaces. Use vacuum attachments to remove dust from soft and upholstered surfaces. * Certain cleaning products can also contribute to airborne irritants, especially if they contain harsh chemicals, strong odors or volatile organic compounds (VOCs). Choose products that contain none of these irritants, but also beware of "green" labels, as some of these solutions may be made with natural allergenic ingredients, such as lemon, coconut or tea-tree oils. * Rodent dander and cockroach particles are common household asthma triggers. However, some pesticides may do more harm than good for people with asthma and allergies. If you have a pest problem, look for an exterminator with expertise in integrated pest management and experience treating homes of people with asthma.

Low-maintenance exterior upgrades that add value and style to your home (BPT) - Sunny days and clear skies are perfect for making exterior home improvements. Homeowners want to use their time and money wisely, so it’s important to choose projects that are low-maintenance and have a good return on investment. Fence, railing or deck upgrades: no painting or staining required If you’re updating or replacing your fencing, patio or deck railing or an entire deck, you’ll want to select the right wood for the job. If you like pressure-treated lumber, but don’t want to have to paint or stain the wood, then ProWood Dura Color is for you. Each piece is color-infused through and through, and has the natural color characteristics and appearance of cedar or redwood, but won’t fade to silver or gray over time, like untreated lumber. How is ProWood Dura Color different? Colorant is infused deep into the wood’s fibers during the treating process, eliminating the need to paint or stain. You’ll get natural-looking lumber with color that’s guaranteed to last. Visit www.ProWoodLumber.com for more information. Use ProWood Dura Color for your deck addition. A wood deck addition has great return on investment – 77.3 percent, according to Remodeling Magazine’s 2013 Cost vs. Value Report. Plus, you’re sure to enjoy the expanded outdoor living space.

Mix and match trend revolutionizing deck design (BPT) - Retire that old rule that says all the materials you use for your deck must match. Your railing no longer needs to be made from the same material as your decking. Pairing wooden deck planks stained in a natural hue with a metallic railing and decorative balusters creates a fresh, exciting look. Dress up basic wood and vinyl deck posts with fiber-reinforced concrete postcovers that resemble stone. There’s also no rule that says all your balusters have to match. For even more personality, try mixing balusters: alternate different styles of glass or metal, or mix regular metal or glass balusters with lighted balusters. Using energy-efficient LED technology, lighted balusters connect to a standard 12-volt power source to create a soft glow. Accessories like post caps and planters are great ways to enhance a deck’s visual appeal and usability. While metal and glass post caps are traditionally thought of as great complements for metal and glass balusters, they can also add pops of color to a monochrome deck. Available in a variety of colors such as copper, pewter, black and white, metal post caps also coordinate well with wood and composite deck materials. Need help visualizing how your deck might look all dolled up using the mix-and-match trend? Deckorators offers a simple online tool, the Deck Visualizer, which allows you to mix different decking, balusters and post caps and see in advance how your personalized outdoor space might look. Log on to www.deckorators.com to learn more.

Protect your information during the tax-season identity theft boom (BPT) - With so much financial information crossing the wires and the mail routes, tax season is ripe for exploitation by identity thieves. According to a U.S. Government Accountability Office report (November 2012), the Internal Revenue Service identified more than 640,000 incidents of identity theft that impacted tax administration in the first nine months of 2012 alone, a large increase over prior years. You should take steps to protect your information – this year and every year around tax time. * Be cautious with your paperwork. Don’t leave mail with sensitive information sitting in your mailbox or elsewhere in plain sight, where it’s vulnerable to theft. * Check your credit report. One of the best ways to stay informed about the state of your identity is by monitoring your credit. Using a credit monitoring program gives you protection, thanks to unlimited access to your credit report from companies like Equifax and automated alerts when key changes appear on your accounts. * Learn to be scam-savvy. Stay informed about scams and never give out personal information over the phone or on the Internet unless you initiated the contact. More information about credit and identity theft issues is available at the Equifax Finance Blog (www.blog.equifax.com).

New technologies offering hope for those with tinnitus - or ringing in the ears (BPT) - If you experience a constant ringing in your ears that’s bothersome at best and debilitating at worst, you are far from alone. Tinnitus affects roughly one in five Americans and about 16 million people have serious tinnitus that requires medical attention. It’s also the most common disability for military veterans, since it can be caused by extended exposure to loud noise. Counseling and sound therapy are often used to provide relief for those with tinnitus, and the hearing aid industry has also recently developed products than can help alleviate the problems caused by tinnitus. For example, Xino Tinnitus from Starkey is an innovative, nearly invisible, behind-the-ear device that provides relief for tinnitus sufferers. The device has adjustable features designed to allow the wearer to experience a maximum level of relief, including volume and memory controls that can be controlled with the touch of a finger. The device can help offset the irritating sounds and thus many of the problems caused by tinnitus. This device can also be used as a hearing aid for tinnitus sufferers who also have a hearing loss and could benefit from amplification. More information can be found at www.starkey.com.

Spring window checklist: 5 questions to ask your contractor before replacing windows (BPT) - Window replacement is one project that helps insulate the home and improve curb appeal. Ply Gem Windows offers five important questions to ask your contractor before beginning a project. What do I need to know about lead paint? Due to the risk lead paint poses, the United States Environmental Protection Agency (EPA) developed the Lead-Based Paint Renovation, Repair and Painting Program to help protect homeowners. This program requires contractors and personnel be trained to use lead-safe work practices. Can I expect energy savings with my new windows? The window industry measures the energy efficiency of windows in terms of their U-factor, or thermal transmission, and Solar Heat Gain Coefficient (SHGC), or “shading” factor. Can I match the design of my windows to my house style? A few key elements to consider in window design are operating style and grille pattern. I don’t want white or beige windows. What are some other color options? Windows such as Ply Gem Windows Mira Premium Series offer homeowners a range of color options beyond white and beige. What installation method will you be using? Poor installation techniques can defeat the advantages of replacing older windows and may result in air or water leakage. Ask your contractor if they will be doing a “pocket replacement” or a “full frame” installation.

Easy solutions to backyard problems so gardeners can focus on fun (BPT) - For time-stretched gardeners who prefer to enjoy their backyards rather than work in them, there are several new products available that make outdoor living easier. Outdoor lantern creates its own electricity – Adding outdoor lighting to a patio or gazebo dramatically increases its charm and usefulness. Caframo’s Joi Light makes it easy to add lighting to outdoor spaces without installing electricity or relying on cords, batteries or solar power. A new mulch that offers heavy-duty weed prevention – Preen Mulch Plus is natural shredded-wood mulch with added weed preventers already mixed in will stop weeds for up to six months, guaranteed. Sold in bags, at Lowe’s and independent garden centers nationwide. Grow tasty tomatoes and roll unattractive plants out of sight – Try using the new Self-Watering, Rolling Tomato Planter available from Plow and Hearth. Roughly 25-by-14-by-13-inches, the lightweight portable polypropolene tub on wheels features built-in self-watering features and a steel tower to support heavy tomato plants. Bird-feeding with flair, not fuss – Watching colorful birds cavort at bird feeders is such a treat: cleaning old-fashioned bird feeders is not. Droll Yankees solves this problem with new easy-clean, no bacteria feeders for song birds of all sorts and hummingbirds too.

Stretching your summer entertaining dollars (BPT) - Warm weather is “special occasion” season. Whatever your event – a wedding, graduation party, family reunion or July 4th fete – summer celebrations have one important thing in common. Everyone wants to get the most bang for their buck. Fortunately, from renting tables and chairs and other needed items, to do-it-yourself decorations, it’s possible to stretch your entertaining dollars this summer season. Don’t waste money buying when renting is more cost-effective. If you’ll need extra tables, chairs, dishes and cutlery, renting those items from your local rental store can be much more cost-effective than buying. What’s more, renting can give you access to items that you might not even consider buying, such as a tent, dance floor, inflatable bounce house or machines for making popcorn, cotton candy or snow cones. You can even rent a photo booth for a really unique and memorable experience. Renting can help you stretch your dollar, create a one-of-a-kind party and never have to worry about where you’ll store everything after the party is over. To find a local company for renting equipment and goods that will make your next event memorable and successful, visit RentalHQ.com to find the rental store nearest you.

Tips and trends to create the wedding of your dreams for less (BPT) - When it comes to the big day, you want a wedding that suits you and your fiance perfectly, whether it’s a casual outdoor affair or a formal black-tie event. One thing every couple can agree on is that planning a wedding shouldn’t be stressful. A few insider tips and trends of 2013 will help you plan the wedding of your dreams without undue stress. For the latest trends without the extra cost, renting has never been more in vogue. Helpful sites like RentalHQ.com from the American Rental Association (ARA) have everything you need to create your dream wedding. From choosing your china and linens to finding the latest decor and color options, it’s a great planning resource. Next visit Brides.com, the online website for Brides magazine, which has a plethora of informational articles as well as info on the latest bridal trends. From tips on choosing the right dress to a beauty calendar checklist for up to 12 months before the big day, it’s a fantastic resource for staying organized. When you’re feeling stumped about some aspect of planning, Theknot.com is sure to inspire. Start by learning your personal wedding style – are you modern, vintage or offbeat? Then jump into learning about color schemes, fashion, honeymoons and more.

What to look for when buying a zero-turn mower (BPT) - Ever wonder how those lawn-care guys get so much done in a day? They use zero-turn radius mowers that can significantly trim the time and effort involved in cutting grass. Zero-turn mowers offer the ability to cut tight contours, meaning less time on foot with a hand trimmer or push mower. They also offer improved visibility and faster cutting speeds, so you can spend less time maintaining the lawn and more time enjoying it. The lawn-mowing experts at Toro (www.toro.com) offer some tips on what to look for when you’re ready to buy: * Comparing specs on steel frame design and dimension, the gauge of the steel (the lower the gauge, the thicker the material) and protection surrounding the rear-mounted engine can give you a good idea of overall durability. * Zero-turn mowers at the lower end of the pricing spectrum may come equipped with a single-cylinder engine. Twin-cylinder OHV engines are becoming more prevalent, and are widely used on commercial grade zero-turn-radius mowers. These engines are more powerful and run smoother (less vibration). * Adjusting the cutting height on the mower should be easy and fast. Avoid mowers that require you to get off and manually adjust the deck height.

From golf to fishing: America's ultimate destinations for active travel (BPT) - Across the 50 states, there are countless opportunities to revel in natural beauty and explore new places, all while pursuing your favorite activities. As travel high season looms on the horizon, set your sights on these exceptional active travel destinations. Golf: Wisconsin The American Club resort in Kohler, Wisc., provides golfers with the vacation of their wildest dreams. The resort is home to Whistling Straits and Blackwolf Run, championship golf courses that have been featured in Golf Digest’s 100 Greatest Rankings, one of the most respected rankings in the sport. Fly fishing: New York Reputed to be the birthplace of American dry-fly fishing, New York’s Catskills are still prime territory for anglers who love a bit of tradition – and a lot of brook, brown and rainbow trout. Canoeing: Minnesota In Minnesota’s far north, the Boundary Water Canoe Area Wilderness is a true paddler’s paradise. With more than a million acres, 1,200 miles of canoe routes and 2,000 campsites, you can go as far as your paddle will take you. Hiking: Utah The spectacular red rock formations that are the calling cards of Utah’s parks draw adventurous visitors year after year. Favorites include the Narrows at Zion National Park and Devil’s Garden at Arches National Park.

Chef-inspired tips for a cleaner, more efficient kitchen (BPT) - In a professional kitchen, cleanliness is not only a vital health issue, it directly impacts the efficient operation of the kitchen and everyone who works in it. From the culinary student who chops the onions for the French onion soup, to the chef that cooks the food and puts it on the plate, every team member in a professional kitchen knows that touch spreads germs. Home chefs can reduce the spread of germs in their own kitchens by minimizing the need to touch key tools, like the faucet. Touch-free faucets, like Kohler’s Sensate Touchless Kitchen Faucet, allow you to control the flow of water in your kitchen sink without ever having to touch a potentially germy surface. A state-of-the-art sensor allows the faucet to respond in 20 milliseconds, and eliminates the need for bare-skin taps or awkward waving to activate the sensor. A pull-down spout design means the Sensate incorporates two of the features cited as most popular among members of the National Kitchen and Bath Association: touchless technology and pull-down spouts. To learn more about the latest in kitchen faucet design and technology, visit www.Kohler.com.

Weekend home improvement projects that add value and curb appeal (BPT) - Weekend warriors rule as 2013 is proving to be the year that the do-it-yourself trend reaches full momentum. The first step in preparing for any home improvement project is ensuring you have all the right tools and supplies. Consider these projects that can be done in one weekend: 1. Garage door upgrade One of the largest focal points of a house’s exterior is the garage door, yet it’s often overlooked when it comes time to consider home improvements. Modern options are convenient to install and operate, and are sure to impress neighbors, guests and potential buyers, if you are selling. 2. Create a grand welcome Trim overgrown shrubs, add new mulch, paint wood stairs or railways and consider replacing your entry door – a new steel entry door has an impressive 85 percent return on investment. Use your Adarac Truck Bed Rack to move all the supplies, which is simple with the multitude of tie-down points that run the entire length of the system. 3. Reseal the driveway Sealing, while messy, is achievable for even modest DIYers, helping to extend the life of your driveway while adding an attractive cohesive black appearance. Visit your local home improvement store for all necessary supplies.

Top tips for avoiding injury and strain while gardening (BPT) - Americans love to garden. Nearly half (49 percent) of American homeowners have gardened in the last 12 months, or 164 million people, as stated in a 2012 report on GreenhouseManagement.com. In addition to burning calories while enjoying the peacefulness of Mother Nature, gardening also rewards you with fresh fruits and vegetables that help cut your grocery bill. But one unwelcome part of taking up gardening as a hobby is the potential for strain and injury. To get the most out of your time gardening, consider these tips for avoiding physical discomfort: 1. Start with a few stretches Before grabbing your tools and heading to your yard, spend five or 10 minutes doing stretches focusing on your arms, legs, back and neck. 2. Avoid bending and lifting the wrong way Consider installing raised garden beds, which allow you to garden without having to bend over. Additionally, container gardens can be placed on tables or deck railings for easy access. 3. Protect hands and wrists Minimize irritation by wearing a supportive glove, like Imak arthritis gloves, commended by the Arthritis Foundation for Ease-of-Use. These specially designed gloves provide mild compression that helps increase circulation, which ultimately reduces pain and promotes healing.

Aging-in-place upgrades that look great and make sense (BPT) - Many people eschew certain types of home improvements for the same reason others refuse to wear hearing aids – the negative connotations of age. Changes in mobility, vision, hearing and stability are a reality of growing older for many Americans. Certain types of home improvements can make your home safer and more comfortable as you age, allowing you to live there longer. From lovely skylights that fill rooms with vision-friendly natural light and fresh air to slip-resistant flooring in designer colors, those “aging in place” home improvements can be beautiful as well as functional. Age-related vision changes can necessitate increasing the amount of light in your kitchen. Task lights and under-cabinet lighting can focus illumination where you need it most, and hide discretely out of sight without disrupting the clean lines and unmarked beauty of kitchen cabinets. Overhead lighting is also important, but rather than opting for industrial-type lights that make cause harsh glare, consider introducing natural light. Research published in the British Journal of Ophthalmology suggests that natural light may be better for aging eyes than artificial light. A skylight is an upscale, beautiful home improvement that can also benefit boomers. No leak solar powered fresh air skylights, like those made by Velux America, can also help boost a home’s energy efficiency, and provide healthful passive ventilation to reduce fumes, humidity and stale air. To learn more about Energy Star-qualified skylights, visit www.veluxusa.com.

Greenest of the green: Top efficiency-boosting home improvements (BPT) - Home buyers are willing to shell out up to 10 percent more for new homes certified green, according to a January real estate report by Harvard University. Return on investment for certain types of green improvements – such as replacing older, less efficient doors and windows – also tends to be high, meaning sellers recoup much of the initial cost of the improvement when they sell the home. Installing a skylight, or replacing an older model skylight with a new Energy Star-qualified one, can help reduce utility costs. The natural light from a skylight can help reduce the need for artificial light sources, thereby paring down electricity costs. When you pair no-leak solar-powered fresh air skylights equipped with automatic rain sensors and efficiency-enhancing, energy saving accessories like designer solar powered blinds, you gain a new source of fresh air while improving energy efficiency by up to 37 percent, according to skylight manufacturer Velux. And, in addition to long-term savings, the cost of solar powered skylights and blinds, as well as installation costs, are eligible for a 30 percent federal tax credit as a green home improvement. For a tax calculator that will show you the tax benefits of new or replacement skylights for your home visit www.veluxusa.com. Sunlight entering the home through a skylight can help reduce winter heating bills. EnergyStar.gov says installing an EnergyStar-qualified skylight, windows and doors can trim a home energy bill by 7 to 15 percent over non-qualified products. Visit www.EnergyStar.gov to learn more.

Soul-lifting home improvements that are good for your wallet, too (BPT) - The health benefits of natural light are well known. Not only does sunlight stimulate the body’s production of Vitamin D, it also boosts brain levels of serotonin. Lower serotonin levels have been associated with depression, decreased physical energy, increased appetite and elevated desire for sleep. A lack of sunlight has long been associated with Seasonal Affective Disorder – something your dear old grandmother might have simply called “the winter blues.” And there’s another consideration with today’s tightly built and heavily insulated homes – indoor air quality. According to the GREENGUARD Environmental Institute (www.greenguard.org), most of our exposure to environmental pollution occurs by breathing the air indoors. Adding a traditional or tubular skylight – to virtually any room in the house – brings more mood-boosting natural light into your home. It’s also a smart money decision. Energy-saving, solar-powered fresh-air skylights, like those made byVelux America, can be opened to bring much-needed outside air into your home, providing passive ventilation to reduce humidity and stale air, and reduce heating, cooling and lighting costs. Energy Star-qualified solar powered fresh-air skylights and accessories like solar-powered blinds, plus the installation, are eligible for a 30 percent federal tax credit – now that’s good for the soul. You can learn more about energy-efficient skylights and calculate your tax credit for a new or replacement model at www.veluxusa.com. For more on skylights and other home energy saving tips visit energystar.gov.

Take advantage of tax credits to stretch home improvement dollars (BPT) - What better way to get money back than to save on your taxes? A host of energy-efficient home improvements are eligible for federal tax breaks. You may also find your state or local government, or local utility company, has programs to reward homeowners who make energy-saving upgrades. Skylights and efficiency-enhancing accessories such as blinds may also qualify under the windows and doors category. By installing a new skylight, or replacing an older, existing one with a new Energy Star-qualified one, you can reduce utility costs. Natural light minimizes the need to spend money powering artificial lights. Pairing no leak solar powered fresh air skylights, equipped with automatic rain sensors, and accessories like designer solar-powered blinds can improve your skylight’s overall energy efficiency by up to 37 percent, according to skylight manufacturer Velux. These stylish daylighting and fresh air systems, along with installation costs, are eligible for a 30 percent federal tax credit. You can find a tax calculator that will show you the benefits of new or replacement skylights at www.veluxusa.com. In addition to the federal tax credits, many states offer their own programs for homeowners. You can find information about tax credits and incentives available in your state by logging on to energy.gov/savings.

Five home improvements for the love of spring (BPT) - With spring home improvement season approaching, here are five home improvements that you can do for the love of spring – and the love of your biggest investment: * Opt for an energy saving solar powered fresh-air skylight and you can enjoy the benefits of passive ventilation to reduce humidity and stale air in your home along with more natural light. Installing an Energy Star-qualified skylight like those made by VELUX America can help you control heating, cooling and lighting costs in your home. To learn more about energy-efficient skylights, visit www.veluxusa.com or energystar.gov. * If you don’t already have a deck, adding one – whether wood or composite – not only enhances your home value, it will be a great place to celebrate the arrival of spring. If you already have a deck, consider value-enhancing upgrades like new balusters, lighted post caps, built-in seating and even planters. * Install a kitchen backsplash. Great kitchens sell homes, and the room is one of the most-used in any home. Upgrading your kitchen improves resale value and your enjoyment of your home. * Upgrade bathroom floors. Many modern builders install vinyl floors in bathrooms because they are durable and cheap. Switching out this common material for stone or ceramic tile is a great way to brighten the room. * Improve your entryway. Your front door and entryway are the first impression visitors have of your home’s decor. A welcoming entry invites guests in and gives you a mood boost every time you walk through it.

Productivity-boosting improvements for your home office (BPT) - Many home offices are less the product of careful planning than something that evolves from a spare bedroom, bonus room or an extra corner in the basement. Even if your home office is more of an after-thought, it’s possible to make some simple improvements that will enhance its appeal – and your productivity. In your home office, ample natural light from sources such as a skylight can help reduce Seasonal Affective Disorder (SAD), eyestrain and stress – all ailments that stand in the way of productivity. Even if your office is on the ground floor, you may be able to add a skylight. Products such as VELUX’s Sun Tunnel tubular skylights allow you to bring natural light to virtually anywhere in your home. Still not sure of the benefit in a home office setting? Add the latest solar powered fresh air skylight and an energy-efficient solar powered blind to your home office and the products, as well as the installation, will be eligible for a 30 percent federal tax credit as a green home improvement. That’s good business! Visit www.veluxusa.com or energystar.gov to learn more about energy-efficient skylights.

Expecting dinner guests? Tips for managing different diets (BPT) - With food allergies and gluten intolerance on the rise, it takes more than seating flexibility and a vegetarian option to host a successful dinner party these days. Gluten is a naturally occurring protein found in grains such as wheat, barley, rye and oats. It makes dough stronger and gives baked goods that spongy quality Americans tend to love. People with certain health conditions, such as celiac disease or gluten sensitivity, have trouble digesting gluten and may experience diarrhea, chronic fatigue and headaches if gluten is present in their diets. Food science has helped improve the variety and quality of gluten-free baked goods now available. You can find breads, cakes, muffins, crackers, pasta and even pizza crust made without gluten. While kosher foods draw from Jewish dietary laws and traditions, approximately 80 percent of people who consume kosher foods are not observing them. Market research firm Mintel says that between 2003 and 2008, kosher food sales rose 64 percent to a record $12.5 billion. Many people choose kosher foods because they appreciate the strict preparation and inspection guidelines as well as the clarity of food ingredients. Food allergies, which can be genetic, and affect about 15percent of the US population, according to Food Allergy Research & Education, Inc., while food intolerances are much more common. Though most people will experience an unpleasant reaction to a certain type of food at some point in their lives, the only way to diagnose a true food allergy is by visiting a medical doctor. While most food allergies cause relatively mild and minor symptoms, such as rashes or gastrointestinal discomfort, some allergies are more severe and can be life-threatening.

Give your home a true green cleaning (BPT) - When you clean your house in the spring, you really want it to be clean. Dirt, dust and germs are banned, and all appliances, floors and walls are scrubbed clean. But is your house really clean, or have you traded dirt and germs for caustic and toxic chemicals found in most conventional cleaning products? Whether you’re shopping for prepared natural cleaning solutions or making your own, keep in mind that the word "aromatherapy" is now being applied to everything scented - from dishwashing liquid to laundry detergent. The true practice of aromatherapy relies on using pure essential oils extracted from plants. These natural plant essences nurture us on mental, emotional, physical and even spiritual levels. Essential oils have potent antimicrobial effects along with their clean, pleasant natural aromas. Here are a few "classic" homecare essential oils suggested by the experts at the leading aromatherapy company, Aura Cacia: lemon (clean, sweet, uplifting scent; deodorizing), peppermint (minty, fresh; air purifier; mild pest repellent), eucalyptus and tea tree (air and surface sanitizers; fresh, therapeutic aromas). For more information and eco-friendly cleaning tips, visit www.auracacia.com.

Entice buyers into your home with aromatic scents (BPT) - When a home smells good, it makes a favorable impression on visitors. This is exactly what home sellers want when they put their house on the market. Aromatherapy expert Tom Havran has several ideas to help you sell your home. He crafts blends for Aura Cacia, purveyor of 100 percent pure and natural essential oils and aromatherapy products. Learn more at www.auracacia.com. Using essential oils to craft your own bit of psychological scent marketing might provide a good return on a small investment. Using even tiny amounts of familiar, tempting aromas like cinnamon, clove, vanilla and orange, can fill a whole house with pleasant ambient fragrance. An added bonus is that essential oils are all-natural and distilled from plants. They are less likely to elicit the kind of adverse reactions that harsh synthetic fragrances do. Because essential oils are so concentrated, a little goes a long way. An initial investment in a small 1/2 ounce bottle of oil will provide you with enough applications to conduct dozens of open houses.

The key to being in-demand your entire career: Be a 'producer' (BPT) - Certain individuals seem to remain employed no matter how dismal the job climate. What is the secret to their success? The answer is simple - they possess the skills that keep them in demand. Career expert Bill van Steenis offers a three-part formula for staying in-demand: 1. Solve a problem. Every successful career begins with the critical understanding of why people are hired in the first place: to solve a problem that a company or organization doesn’t have the resources to solve from within. 2. Be competent. When selecting a university, it is important to consider schools that can provide hands-on learning. “Colleges and universities are shifting their mentalities to career-focused educations,” says van Steenis. “DeVry University, for example, works with Fortune 100 companies to develop curriculum that prepares its students for emerging job opportunities.” 3. Produce. “My father always told me – ‘the world pays for producers – be one,’” says van Steenis. “You may be able to solve a problem, you may be highly competent; however, the key to staying in-demand is to be a producer.” Employees that produce are the least likely to be let go despite rough economic conditions and the first to be recruited when openings become available.

Trends provide guidance as technology shapes careers landscapes (BPT) - The saying goes: success is when preparation meets opportunity. And as technology continues to impact our lives, workers in today’s ever-changing labor market need to be prepared with skills to adapt and succeed in the workplace. Daniel Burrus, a globally renowned corporate strategist, recently released his inaugural Certainties list, based on a scientific method aimed at providing various employment sectors with a clearer outlook of their respective futures. According to Burrus’ Certainties list, some of the technologies that will transform our world and careers include: 3-D Web and 3-D printing Employment for graphic artists, designers and programmers will grow as the Web-surfing experience transforms from a one-dimensional “flat” page to a dynamic 3-D experience for the user. Gamification of education Both employees and students will have training and teaching methods delivered to them in a highly-personalized and accelerated way. Cloud services and virtualization As more organizations maintain and store information using cloud computing, the demand for professionals skilled in information technology is expected to rise. Burrus recently teamed with DeVry University to launch his Certainties list. He believes the institution exemplifies the kind of forward-looking curriculum development necessary to ensure degree programs adequately prepare students for the future.

The evolution of accounting: new careers in the language of business (BPT) - The earliest accounting records date back thousands of years to the use of an abacus, a rudimentary counting tool. As the workplace has progressed, so has the role of the accounting professional. This has been particularly evident in recent years; the integration of technology in accounting has created many specializations and job opportunities within the field – from forensic accounting to health care IT auditors. The need for accountants with professional specializations is on the rise. The demand for forensic accountants, for instance, has expanded with the fallout from high-profile financial scandals like Enron and Lehman Brothers. These accountants focus on disputes or litigation in civil or criminal law and often investigate corporate and securities fraud, insurance and personal injury claims and computer fraud. Environmental or "green" accounting is also a growing field. With sustainability and environmental protection becoming more prominent objectives in today’s business world, green accountants will be employed to help leaders make more informed decisions. DeVry University is helping to meet the demand of this booming industry by offering several bachelor’s degree programs that can lead to an accounting career. Courses such as cost accounting, ethics and fraud, and accounting information systems allow students to gain insight and experience that will translate in the working world.

Innovations inspire high school girls to become next generation of female innovators, change the world through STEM (BPT) - When the high school class of 2014 graduates from college in five years, more than 8 million jobs will be available in the fields of science, technology, engineering and math (STEM). Innovations driven by STEM are shaping today’s economy. Though STEM accounts for a majority of job growth in the U.S., the number of students enrolling in relevant degree programs in college to fill these positions continues to decline, leaving a gap of skilled professionals. Women, in particular, are underrepresented in STEM. To help bridge the gap and ready the next generation of women innovators, many organizations support initiatives to introduce students, specifically young girls, to the importance of STEM. DeVry University, for instance, has its annual HerWorld program. This year, nearly 7,000 girls from high schools across the country will attend local events during National HerWorld Month in March. Emmy-Award nominated actress Mayim Bialik, renowned for her roles on television series Blossom and The Big Bang Theory, is partnering with DeVry University to further the mission of HerWorld and inspire these girls by sharing her personal STEM journey – balancing her acting career while earning her Doctorate of Philosophy degree in neuroscience from UCLA.

Think outside the fuse box: Unique energy-saving home improvements (BPT) - When you’ve covered the basic and obvious ways to trim energy use at home, it’s time to start thinking outside the fuse box. People add motorized rolling shutters to their homes for a variety of reasons, from enhancing privacy and security by making it harder for burglars to break in through windows, to protection against intense sunshine and hurricane winds. But did you know shutters can also boost your home’s energy efficiency? In winter, motorized shades or rolling shutters maximize insulation of windows – a significant point of heat loss in many homes. In summer, they can reduce heat gain, help maintain a more comfortable indoor temperature and protect furnishings from damaging UV rays. Automating motorized shutters with a sun sensor, like those available from Somfy Systems, allows you to further improve energy efficiency by raising or lowering shutters throughout the day to fine-tune heat retention. And, for the truly eco-minded homeowner, Somfy's new solar powered AutoSun uses solar energy to power the shutter motor – so saving energy doesn’t require you to use electricity. Learn more at www.somfysystems.com.

What parents need to know about concussions (BPT) - Parents of young athletes know that along with the many benefits of participating in sports, there comes a certain amount of injury risk. As more evidence surfaces about long-term health challenges related to concussions, it’s especially crucial that parents bring themselves up to speed on the proper procedures for caring for an athlete who experiences a concussion. The most important thing parents need to know about concussions is that if an athlete exhibits any signs or experiences any symptoms of a concussion, he or she should be immediately removed from play. While this recommendation is nothing new, the American Academy of Neurology (AAN) is again emphasizing its importance with the release of its updated 2013 sports concussion evidence-based guidelines. For parents unfamiliar with concussion signs and symptoms, they include: * Headache and sensitivity to light or sound * Changes to balance, coordination and reaction time * Changes in memory, judgment, speech and sleep * Loss of consciousness or a “blackout” (happens in less than 10 percent of cases) To view the entire AAN concussion report and find more concussion resources, visit www.aan.com/concussion.

Programming your child's health - 5 nutrition tips for baby's future health (BPT) - The concept of fetal programming (also called prenatal programming) theorizes that during fetal development, poor intake of one or more essential nutrients during critical periods in an organ’s growth can potentially alter or program the structure, size or function of that organ for the rest of the child’s life. The developing baby will attempt to compensate for deficiencies in the womb, but that compensation can carry a price later in life. Eight-eight percent of mothers and women who are currently pregnant agree that a diet including nutritious foods, beverages and vitamins will have a positive long term effect on their child’s health, according to a recent survey conducted by NMI Research and DSM Nutritional Products. However, despite this awareness, 99 out of 100 Americans don’t meet even the minimum standards of a balanced diet. “Many pregnant women think they are doing OK diet-wise, but in reality they are likely not getting the essential vitamins and nutrients that they and their babies need through diet alone. For instance, the average American eats four servings or less of fruits and vegetables daily, which means they may be lacking essential nutrients like vitamins A, C, E and K,” says Elizabeth Somer, registered dietitian and author of “Nutrition for a Healthy Pregnancy.”

Preserving our planet: How to celebrate the environment every day (BPT) - The United States is among the world’s worst offenders when it comes to GHG emissions per capita, according to the United Nations Statistics Division. What can individuals do to protect and preserve the earth every day, in order to prevent things like global warming? One thing Americans can do is to support environmentally friendly mandates and legislation that are specifically targeted at large businesses and manufactures, since they tend to be the largest producers of GHG. Some companies are already striving to reduce their environmental footprint. For example, The American Trucking Association (ATA) has a sustainability initiative called “Trucks Deliver a Cleaner Tomorrow,” that focuses on reducing fuel consumption and finding innovative ways to reduce carbon monoxide emissions. Other companies like ECORE, a recycled flooring manufacturer, are producing products in an environmentally friendly way. “We are committed to operating our business and facilities in a manner that uses resources wisely,” says Arthur Dodge III, ECORE chairman and CEO. “We have developed energy-efficient manufacturing processes that use minimal water and little or no heat, and we reuse our scrap to minimize waste.” Other companies like ECORE, a recycled flooring manufacturer, are producing products in an environmentally friendly way. “We are committed to operating our business and facilities in a manner that uses resources wisely,” says Arthur Dodge III, ECORE chairman and CEO. “We have developed energy-efficient manufacturing processes that use minimal water and little or no heat, and we reuse our scrap to minimize waste.”

Cut home entertainment costs without loss of shows (BPT) - Families are always looking for ways to cut household costs. One area that provides a bit of budget-cutting flexibility is home entertainment costs. How can you save money on your TV viewing? Ask yourself these questions: 1. Do I pay more than $100 a month to watch TV? 2. Does every TV in the house need cable or satellite? 3. What programs do I typically watch? 4. Do I want HD quality without extra fees? 5. Would I like to lower or eliminate my monthly fees and still watch up to 90 percent of the most-watched TV shows? You can get rid of cable or satellite altogether, or reduce the number of boxes you need. One solution is to embrace new, inexpensive high-tech antenna technology like the FlatWave Amped, which receives signals up to 50 miles away. Hang it on the wall or better yet, in the window. This thin, flexible HD antenna is designed to be placed wherever the signal is the strongest. This technology means free TV from all the major local broadcast networks, plus additional networks like Qubo, ION, The CW and Universal Sports. It also includes some 24-hour news networks, music and sports channels, as well as children's, classic movie, travel and dining networks.

Tips for optimizing small spaces (BPT) - Being short on space doesn’t mean you have to be short on style or efficiency. Even older small spaces can get an open, useful feel with the right design and decorating tactics. Here are a few ways you can optimize your small space: When buying furniture for your small space, keep scale in mind. Furnishings should fit the space well, leaving plenty of area for you to move around them. Mohawk Homescapes blogger Cecilia Staniec advises homeowners take room measurements. “You should never shop for furniture without a complete set of measurements,” she writes. Smart use of wall space can open up floor space, which is often at a premium in small rooms. Some items must occupy floor space, such as sofas, tables and chairs. Others – like lighting, TVs and electronic components – don’t. Wall-mounting TVs, especially flat screens, can be a great way to conserve floor space and create an appealing focal point for a petite room. Low-profile wall mounts, like Sanus’ Super Slim Full-motion VMF408, are perfect for small to medium screens of 26 to 47 inches. The mounts keep the screen close to the wall while providing a full range of motion for optimum viewing from multiple seating areas. Similarly, you can wall-mount your computer monitor – even an iPad.

Living with chronic pain? Find the right help (BPT) - When a person is in pain, he or she will seek options to attempt to reduce the pain or make it go away entirely. For minor pains like headaches, muscle aches and small wounds, often over-the-counter drugs can help reduce the suffering. But people with chronic pain may have to search for other solutions. The American Society of Anesthesiologists (ASA) advises against visiting non-physician providers who are untrained in treating chronic pain because patient safety can be seriously compromised. Specialized pain physicians have the education and training to accurately diagnose, evaluate and treat chronic pain patients using a comprehensive approach including medications and pain procedures. Treatments can range from medical management, physical therapy and psychological therapy, to interventional therapies and other alternative medical treatments. These therapies can be risky and require the skill of anesthesiologists or other physicians who possess the training and knowledge to provide safe, competent and appropriate care. These physicians complete a one-year multidisciplinary pain fellowship in addition to their post-doctoral training, according to ASA. A pain physician, like an anesthesiologist, is a patient’s best solution to finding a well-trained provider to treat chronic pain conditions. To learn more about pain treatment, visit physician-paincare.com.

How to ace your next job interview (BPT) - Making it to the job interview stage means your skill set and resume have caught the interest of a potential employer, who now wants to determine if you’ll be a good fit as an employee of a company. “Employers are open to bringing in several candidates for job interviews, and this is the time for both the employer and the candidate to determine if they will be a good fit for each other,” says Joe Seitz, director of career services at Everest Institute-Grand Rapids. “The goal for the candidate is to receive a job offer, and the goal for the company is to find the perfect person for the job.” Hundreds of websites provide traditional job interview questions, so think about what kind of answers you’d give for these questions. For example, “What is your worst quality?” could be turned into an opportunity to show your future employer you identify your faults, but are able to recognize opportunities to improve, with examples of how you’ve already taken steps in this direction. Employers ask these kinds of questions in many different ways, so think of actual examples and prepare mini-sound bites to describe your skills.

Top technology trends for 2013 that make your life easier (BPT) - A variety of technology innovations are dramatically affecting the way we live, helping us streamline our routines, reduce stress and maximize each minute of the day. Here are the top trends you need to know about: Trend 1: Home security in the palm of your hand How would you like alerts sent instantly to your phone or computer if a window breaks, a door opens or a pipe bursts? If you have a Honeywell home security system, you can get all this and more when you stay connected through Honeywell Total Connect Remote Services. Kids come home early? You can see who is at your door via online video and unlock the door remotely. Keep children and elderly relatives safe by setting up alerts for restricted areas – you’ll know when the liquor cabinet has been opened or a family member leaves the property. Trend 2: Energy efficiency goes on auto pilot Lighting, heating, cooling, water use – just about everything your home does can be regulated automatically. Heating and cooling can easily be automated with a programmable thermostat. Tie it to your Honeywell alarm system so when you set the alarm, the system recognizes you’ve left the house and makes the necessary temperature adjustments.

Tips for setting up your home theater viewing space (BPT) - The home entertainment center concept has evolved dramatically over the past decade, from a single “tube” TV and a DVD player to full-blown, high-definition multi-media centers. The technology today offers a more immersive experience, but without a proper set up, you might not enjoy to full potential the pride and joy of your living room. Choose adjustable lighting. Place lights on a dimmer so that you can adapt the lighting level depending on what you’re watching. Outfit windows with shades that can easily be closed to further darken the room. Opinions vary on what’s the best distance from which to view a screen. According to the Consumer Electronics Association, a reliable formula for calculating optimal viewing distance is to multiply the diagonal size of your TV (for example, 50 inches) by two or three. That number will tell you how many inches you should sit away from the screen for the best possible picture. Keep in mind that in addition to the size of the screen, the resolution will affect your calculations. Generally speaking, you’ll want to sit farther away from a larger screen, but if it has a higher resolution you can sit closer. For example, a “4K” TV like LG’s 84-inch Ultra HD TV offers four times the resolution of typical HDTVs, meaning more detail, so viewers get a crisp, clear picture from as close as five feet. If you want a large screen in a small space, an Ultra HD TV is an ideal solution.