Saturday, December 29, 2012

16 Ways to Reuse Plastic Bags


From Care2.com

Plastic grocery bags are terrible for the planet, but somehow they always seem to make their way into our homes, don’t they? Next time you’re faced with a plastic grocery bag, try one of these ways to give it a new life instead of sending it to the landfill!

Here in the U.S. we use around one billion plastic bags per year, and we only recycle around one percent of them. The rate of recycling is so low because recycling plastic of this low quality is not very profitable. The rest of those bags are landfill-bound. If they don’t make it to the landfill, they break down in sunlight to pollute our air and water or make their way into rivers and eventually the ocean where they become part of the plastic-polluted dead zones known as gyres.

Of course, banning plastic bags or at least turning them down at the store is the best option – not using these bags in the first place means stores won’t order as many, so the companies that produce them will churn out fewer of them each year. In most places, unfortunately, a bag ban is a long way off, and that means that despite your best intentions, chances are you end up with some of these bags in your home, even if you always remember to bring your own bag to the store.

Rather than feel guilty about the plastic bag stash under your kitchen sink, check out our list of 16 ways you can reuse the bags to keep them out of landfills.


The Herbs Place - Wholesale Prices Always

What's On Sale Now?
Women
Men
Children
Pets - Heartworms
Essential Oils
Cleansing
Weight Loss
Air Sanitizer
Multi-Vitamins

Why We're Shop-a-holics - Where It All Began


From Care2.com

The Story of Stuff is a powerful video about how we got here and what it is doing to our planet.

It talks about how my grandmother’s generation was committed to resourcefulness, stewardship and thrift. So what happened between then and now to bring us to this place of ultra consumerism which threatens the extinction of our planet?

It all started right after WWII. In order to jump-start the economy, President Eisenhower’s Council of Economic Advisers had to come up with a plan to get people to buy – and quickly! The guru and retail analyst of the day, Victor Legough, wrote in 1955:

Our Enormously productive economy…demands that we make consumption our way of life, that we convert the buying and use of goods into rituals, that we seek our spiritual satisfaction, our ego satisfaction, in consumption…we need things burned up, replaced and discarded at an ever-accelerating rate.

Egads! Consuming was linked with spiritual satisfaction and ego satisfaction (Sounds like an oxymoron to me!) Shopping became a ritual and it promised fulfillment.

So the era of “shopping as a spiritual practice” began! It was a message crafted by the government in cooperation and collaboration with the advertising media. The people bought it, and continue to do so to this day. Read the entire article.

The Herbs Place - Wholesale Prices Always

7 Steps to Curb Our Addiction to Stuff


From Care2.com

Aside from the fact that our addiction to consuming is threatening the extinction of our planet, it is also personally exhausting to maintain mountains of stuff. It drains your life energy. It is an endless cycle of spending and consuming and dumping to make room for more stuff so you can do it all over again.

If you would like to extricate yourself from this lifestyle but are stumped about how to do so, here are steps that you can do now to start to curb your own addiction to stuff, lighten your footprint on the planet, and lighten your own load. Read on ... 7 Steps to Curb Our Addiction to Stuff.

The Herbs Place - Wholesale Prices Always

Saturday, December 22, 2012

Choosing the Right Replacement Windows

NRFC labels help you evaluate the energy performance of new windows and allow you to comparison shop for the most efficient options. Use them when you make your choice of windows.
But whether you are replacing a window or installing one in a newly constructed building, there are considerations other than just efficiency to keep in mind.

Different combinations of frame style, frame material, and glazing will yield very different results when comparing energy efficiency and cost. A fixed-pane window is the most airtight and the least expensive, for example -- it would be the best choice if you wanted to add sunlight to a room without increasing ventilation. A window with a wood frame will usually conduct less heat than one with an aluminum frame. If you're seeking efficiency, a double-pane, low-e window would be just as efficient as a triple-pane untreated window, but it would cost and weigh less. Consider the benefits carefully.

No one window is suitable for every application. Many windows are available that serve different purposes, and you may discover that you need different ... Read the entire article.


The Herbs Place - Wholesale Prices Always

What's On Sale Now?
Women
Men
Children
Pets - Heartworms
Essential Oils
Cleansing
Weight Loss
Air Sanitizer
Multi-Vitamins

12 Ways to Save on Household Expenses

Unless you’ve got a nanny, a housekeeper, a chauffeur, and a chef, it’s hard to manage a home and family–and still keep a smile on your face. But, it’s worth trying. Because nobody wants a crabby mom.
Five years ago, our lives were turned upside down. We finally faced the music of the consumer debt we had piled up. It amounted to over $16,000. We decided to get serious about the debt.

It was hard.

We looked at our expenses and combed through them with a fine tooth comb. We did things that previously we wouldn’t have dreamed of doing. We literally sweated away our debts.

There are some expenses like mortgages and car payments that are static. You can’t really change them. But other costs, like household expenses, can be finessed and massaged. You can reduce them if you think creatively and are willing to be weird.

Here are twelve ways to save on household expenses:

1. Make your own cleaners or get them cheap with coupons.

There is no reason for you to pay exorbitant prices on household cleaners. Years ago I found that I could combine coupons and sales and get everything we needed for very, very cheap. I still do this for laundry detergent, rarely paying over ten cents a load.

In recent years, I’ve gone green with many of our cleaning products. I buy a ginormous bottle of vinegar at Costco for about $3. We use that to wash windows and clean countertops and other surfaces. We pay virtually pennies ... Read the entire article.


The Herbs Place - Wholesale Prices Always

What's On Sale Now?
Women
Men
Children
Pets - Heartworms
Essential Oils
Cleansing
Weight Loss
Air Sanitizer
Multi-Vitamins

8 Things to Do Now to Winterize Your Home and Save Money This Winter

An easy and inexpensive guide to winterizing your home and protecting possessions

Spending a few hours this fall to button up your house and other valuables for the winter can save you big bucks down the line. There are plenty of easy and inexpensive ways to protect your possessions from harsh winter weather. Here's a checklist of preventive measures to consider before it turns cold:

Driveways, sidewalks and patios: Little cracks in concrete surfaces can quickly grow into big ones during the winter with the constant freezing and thawing of trapped moisture. Sealing cracks with ready-to-use concrete sealant is quick and easy: Just apply with a caulking gun or squeeze directly from the tube. A one-quart tube of sealant should cost under $10 at most home improvement stores and it goes a long way. By the way, rock salt used for winter snow and ice removal can erode concrete surfaces and kill surrounding grass and plants, so use deicing products that are safe for your surfaces and landscaping.

Gas grills: If you're through grilling for the season, turn ... Read the entire article.

Source:  AARP Bulletin


The Herbs Place - Wholesale Prices Always

What's On Sale Now?
Women
Men
Children
Pets - Heartworms
Essential Oils
Cleansing
Weight Loss
Air Sanitizer
Multi-Vitamins

Saturday, December 15, 2012

17 Ways To Reuse Tin Cans

Next time you cook up a can of beans or pour a can of coconut milk into a batch of soup, don’t toss that can in the recycle bin! Send it through the dishwasher instead, and try out some of these tin can crafts!

As recycling goes, metal recycling is pretty efficient, but when it comes to cans, most metal recycling is actually downcycling. Instead of turning old cans into new cans, those metal cans come out of the recycling center as an inferior metal product. The problem is that because of impurities in the metal, the final product ends up “diluted.” After enough downcycling, that metal is landfill-bound. It will get used multiple times, which is much better than tossing it right away, but the recycling center is really a pit stop on the way to the landfill.

Of course, recycling those cans is still better than ... Read the entire article.


The Herbs Place - Wholesale Prices Always

What's On Sale Now?
Women
Men
Children
Pets - Heartworms
Essential Oils
Cleansing
Weight Loss
Air Sanitizer
Multi-Vitamins

Deceptive Gray Charges Trap Consumers Into Debt

It's the digital equivalent of "couch change" -- random, trivial credit card charges that might not be large enough to raise your eyebrows when you glance over your statement, but over time they add up to a lot.

These unwanted fees, coined "gray charges," by BillGuard, a company that created a program to detect these charges on consumers' statements, include recurring membership fees, subscription fees, unwanted auto-renewals, cost creep (where a service or subscription gradually increases its cost over time), hidden fees such as  foreign transaction fees or car rental surcharges and billing errors.

And they are a growing problem. According to BillGuard, about 20 percent of its current users have incurred some type of gray charge. Among those users who have been affected, the average of these charges is about $350 a year, says Mary Anne Keegan, BillGuard's chief marketing officer.

Companies take advantage of the fact that you're not paying attention
Though some gray charges are honest misunderstandings between a consumer and a company -- perhaps you were overcharged or double-billed due to an operator error -- they often involve companies that are banking on the fact that people don't scrutinize ... Read the entire article.


The Herbs Place - Wholesale Prices Always

What's On Sale Now?
Women
Men
Children
Pets - Heartworms
Essential Oils
Cleansing
Weight Loss
Air Sanitizer
Multi-Vitamins

18 Easy Food Swaps to Save Money

18 Easy Food Swaps to Save Money
From Care2.com

If there was one sound that rose above all others at the grocery checkout line last year, it was this: Ouch! When your grocery budget is under assault, it’s easy to succumb to panic (“Nine dollars a pound for organic chicken?!”) and become tempted to fill your cart with less healthy, but ostensibly cheaper, fare. Trouble is, downgrading the quality of your food is never a bargain. First, your health is just too valuable, and courting an avoidable health condition or lowered immunity by eating poorly is just way too expensive. Second, even in the toughest economic times, you don’t have to scrimp on the good stuff. You just have to know how to shop smarter.

Make these 18 easy food swaps, and go from spendy to ... Read the entire article.


Sponsored by The Herbs Place - Wholesale Prices Always

Saturday, December 8, 2012

Five Major ObamaCare Taxes That Will Hit Your Wallet In 2013

Five Major ObamaCare Taxes That Will Hit Your Wallet In 2013

While the individual mandate tax gets most of the attention, the ObamaCare law actually contains 20 new or higher taxes on the American people. These taxes are gradually phased in over the years 2010 (with its 10 percent “tanning tax”) to 2018 (when the tax on comprehensive health insurance plans kicks in.)

Six months from now, in January 2013, five major ObamaCare taxes will come into force:

1. The ObamaCare Medical Device Manufacturing Tax
This 2.3 percent tax on medical device makers will raise the price of (for example) every pacemaker, prosthetic limb, stent, and operating table. Can you remind us, Mr. President, how taxing medical devices will reduce the cost of health care? The tax is particularly destructive because it is levied on gross sales and even targets companies who haven’t turned a profit yet.
These are often small, scrappy companies with less than 20 employees who pioneer the next generation of life-prolonging devices. In addition to raising the cost of health care, this $20 billion tax over the next ten years will not help the country’s jobs outlook, as the industry employs nearly 400,000 Americans. Several companies have already responded to the looming tax by cutting research and development budgets and laying off workers.

2. The ObamaCare High Medical Bills Tax
This onerous tax provision will hit Americans facing the highest out-of-pocket ... Read the entire article.


Sponsored by The Herbs Place - Wholesale Prices Always

Don't Make These 3 Retirement Mistakes

Don't Make These 3 Retirement Mistakes
From The Smarter Investor

The day has come. You attend the retirement party. They hand you the golden cufflinks or the gold watch, stuff you full of hors d’oeuvres, and send riding you off into the sunset. From now on, you’re going to sit on the porch, drink lemonade, and watch the world go by.
It’s an idyllic lifestyle until you start to have one of those nagging concerns that almost every retiree probably has a few thousand times—sometimes in the course of one day: “Do I actually have enough to last without running out of money?”

The quick and dirty answer that most financial planners give you is that you need to have your assets allocated based on a formula of 110 minus your age. So, if you’re 70, then you want to have 40 percent in equities and 60 percent in fixed income.

Older couple painting on a canvas outdoors

However, a quick check of your investment accounts isn’t going to truly answer the question of whether or not you have the appropriate ... Read the entire article.


Sponsored by The Herbs Place - Wholesale Prices Always

What Is Borax?

What Is Borax & Is It Safe?
From Care2.com

Borax has long been touted as a green cleaning superstar, but what is borax, and how safe is it?

Borax is a salt derived from boric acid, and in cleaning recipes it can help boost stain-fighting and grease-cutting power. It’s used in all sorts of products and industries from making homemade cleaning supplies to replacing mercury in small-scale gold mining operations. You can even find borax in food products as a preservative, though its use in foods is banned here in the U.S.

How harmful could a salt be, right? This might be old news to some folks, but the Environmental Working Group’s 2012 Guide to Healthy Cleaning flunked borax as a ... Read the entire article.


Sponsored by The Herbs Place - Wholesale Prices Always

Saturday, December 1, 2012

Gratitude Brings More Into Life



What's so important about gratitude? Well, simply put, gratitude is a powerful force for attracting and creating more of what you want in the world - and in your own life.  Here's one place to begin, but don't miss reading the rest of the information on gratitude in our lives below.

If you don't see the video here, click this link.




If you look at the Creation Process, in everything that we do and create in our lives we Think -> Feel -> Act -> Experience. We have a thought about something. That thought creates a feeling in us, which magnifies or adds power to the thought. That feeling motivates us to Act on the Thought. Our actions create results - cause and effect. Those results become our Experience. As much as this might appear to be a linear process, it is actually a cycle. Because our Experience forms our beliefs, or our paradigms, which then influence the way we Think about and interpret our future Experience.

Gratitude is a critical part of this process because it focuses your Thoughts on what you want to create rather than what you don't want to create. So many of us are focused on negativity, pain, suffering, and conflict in our lives when what we really want is to be positive, happy, joyful, accepted and loved. By focusing your Thoughts on what you're grateful for in your life, and feeling the feeling of Gratitude, you add power to that, and you attract more of it to you. You Act in a more positive way, and your positive actions create positive results. People respond to you in a more positive way.

When I am grateful to those who serve for me, I am affirming that I am Free, and I am Safe, and I have literally millions of people who care enough about me and my Freedom to dedicate themselves to serving to protect and defend it. I am telling the world and the universe that I like and value Freedom, and Safety, and Service to others. And in doing so, I am giving more energy and power to those things, and not to the culture of Fear and Isolation that has created so much conflict in our world.

Just imagine, if you will, what your life would look like if you had more Freedom and Love, and less Isolation and Fear. How would that look on a personal level? On a local level? On a national level? On a global level? It all starts with being grateful for what we already have.


Sponsored by The Herbs Place - Wholesale Prices Always

Businesses You Can Start - Be Your Own Boss

5 Businesses You Can Start

Always wanted to be your own boss? Check out these in-demand jobs
From AARP

An increasing number of workers age 50 and older are starting new businesses.

A new AARP/Society for Human Resource Management (SHRM) survey of 50-plus employed workers shows that one in 20 plans to start his or her own business. Nearly one in five unemployed workers would like to do the same.

Older entrepreneurs can have a lot of things working in their favor — a strong work ethic, management experience and well-established networks of potential customers. But be forewarned. Running a business usually takes more than a simple passion for what you're doing. You may need to go back to school and get certifications. You'll definitely need a list of pros to help you, from a lawyer to a tax accountant. And, it's always good to try out the job first as an apprentice or ... Read the entire article

Sponsored by The Herbs Place - Wholesale Prices Always

10 Tips to Rejuvenate a 'Tired' Space

10 Tips to Rejuvenate a ‘Tired’ Space

From Care2.com

Rearranging and reinventing our living space is one of the most powerful ways to free up creative energies and get our lives moving again. By mixing up the chi in our outer space, we revitalized the chi in our inner space. In doing so we can often now see the forest for the trees and solutions to our most daunting problems ... Read the entire article.


Sponsored by The Herbs Place - Wholesale Prices Always

Saturday, November 24, 2012

Ten Pieces of Inspiration

From TheSimpleDollar.com

Each week, I highlight ten things each week that inspired me to greater financial, personal, and professional success. Hopefully, they will inspire you as well.

1. Simon Bailey on a miserable life

People do this far too often. They go to a job that makes them miserable, then come home and use what little energy and resources they have to simply blow off steam from that miserable job rather than building anything for the future.

“You work and live to meet your daily needs rather than to maximize your potential. You simply exist from day to day, without much passion or enthusiasm for life. Meanwhile, your talents remain untapped, buried somewhere deep inside. This is an awful way to live.” – Simon T. Bailey

If you don’t do something today that potentially leads to a better life, you’ll never have that better life. Read the entire article.



Sponsored by The Herbs Place - Wholesale Prices Always

Do Your Morals Cost You More?

From GetRichSlowly.org

I’m thinking about this choice because paying over $5 for a dozen eggs seems ridiculous. Especially when compared to the carton of bleach-white generic eggs beside them for $1.04. But I take the $5 eggs every time because they are free-range and organic and (despite the debate on whether organic is actually better) I feel they are worth the price.

I’m willing to pay five times the amount because I can’t stand the idea of chickens crammed together so tightly that they can’t move. I want my eggs to come from chickens that scratch and run and chase each other. Happy eggs come from happy chickens, right?

Hippie mysticism aside, buying cruelty-free products is a value for which I’m willing to pay more. But do I have to pay more? Is there a way to lower the cost so I can have my moral cake, er, soufflĂ©, and eat it too? Read the entire article.



Sponsored by The Herbs Place - Wholesale Prices Always

17 Easy Ways to Simplify Your Life

Most of us are so busy we barely have time to brush our teeth, let alone explore major shifts in lifestyle — even when those shifts promise to restore vitality and balance.

That’s why, if you want a life that feels more sane and relaxed, it may help to start small. Making even one or two tiny changes is often enough to help you feel that other positive transformations are within reach. To help you along, here are 17 quick and easy suggestions that can have a surprisingly big impact on your sense of freedom and happiness.

Sponsored by The Herbs Place - Wholesale Prices Always

Friday, November 16, 2012

Step Off The Financing Carousel

From NotMadeOfMoney.com

One of the hardest parts of learning to be fiscally responsible is breaking free from the payment mentality. It’s so easy to convince yourself it’s okay to purchase something because the payment is so affordable.

Becoming mired down in monthly payments creates a cycle which seems almost impossible to break free from. Because you always have a payment to make, you are never able to save up enough money to pay cash for your next big purchase. Then, when the time comes that you have to make a large purchase, you are forced to finance it and start the ride all over again.

How many times have you decided if you could afford something based solely upon whether or not you could afford its monthly payment? You didn’t stop and evaluate whether or not you could afford to spend $2,000 on a new television. Instead you considered the $50 payment. “I can do that,” you thought to yourself. Never mind the fact that you’ll be making that $50 payment for the next four or five years. Read the entire article.

The Herbs Place - Wholesale Prices Always

Stuff I Don’t Spend Much Money On – Clothes

From TightFistedMiser.com

One of the ways I manage to spend very little is by not spending much on clothes. I had to buy some undershirts for my new job this week which doubled my clothing expenditure for the year. My only previous clothing expense for the year was for underwear.

I estimate that I generally spend less than $100 on clothing. I don’t have to buy clothes very often. Between getting clothes for my birthday and Christmas, getting free t-shirts from events such as ....  Read the entire article.



Sponsored by The Herbs Place - Wholesale Prices Always

Should You Buy A Fixer-Upper?

From GetRichSlowly.org

Buying fixer-uppers can get you more house than you would normally be able to afford at a reasonable price. They can be pleasantly inexpensive. But they can also be money pits, masquerading behind a facade of charming woodwork and arched doorways.

As tempting as the purchase price is for houses that need a little TLC, you must assess whether a fixer-upper is right for you. To do that, you need an appraisal. And I’m not just talking about the house. Read the entire article.



Sponsored by The Herbs Place - Wholesale Prices Always

Saturday, November 10, 2012

Facing Foreclosure? Here’s Help.

There are many federal programs in place to help home owners faced with foreclosure, an issue that has been at the forefront of the housing crisis in this decade.

Information about these resources can be found all in one place on the government's Homeowner Help page. First, download the Mortgage Assistance Guide from the federal Department of Housing and Urban Development. If you are confused about what to do...


Sponsored by The Herbs Place - Wholesale Prices Always

Compulsive Spending Infographic

From Money-Rates.com

While sometimes characterized as a frivolous condition, compulsive spending can cause serious harm to the people afflicted by it.

Compulsive spending is an impulse-control disorder marked by chronic and recurring patterns of uncontrollable buying urges, and it can lead to debt, remorse, family troubles and even crime.

This MoneyRates.com infographic examines America's relationship with compulsive spending and the ways those affected can find help. Read the entire article.


Sponsored by The Herbs Place - Wholesale Prices Always

What Kind of People Live Without Credit Cards?


From EnemyOfDebt.com

If you’ve already cut expenses to the bone and done everything else you can to use what you have wisely, then here are a few tips you can use to make some extra money that you can do immediately that can help get your bills caught up, and start paying down that debt.

Some of these are just common sense and some you might not have ever thought about, but all of them can make you some extra money to get by on even when the overall economy is not so hot. Read the entire article.


Sponsored by The Herbs Place - Wholesale Prices Always

Saturday, November 3, 2012

Have a 'Green' Thanksgiving!

As you begin your Thanksgiving holiday preparations, consider incorporating these environmentally-friendly choices into your holiday routine. Get a list of ideas here ...



Sponsored by The Herbs Place - Wholesale Prices Always

Love Is Good For Your Heart

From PositiveMed.com

A growing body of research indicates that what’s known as love and positive attitude has a very strong effect on our biological system to not only live happier, but live longer. Effects of love on heart and vascular system varies from secretion of different “good” hormones to lower stress hormones and blood pressure.





Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

What Kind Of People Live Without Credit Cards?

From EnemyOfDebt.com

My friend Brad Chaffee, founder of this site, is dedicated to living a credit free, cash only lifestyle. While he has gone to great lengths to do exactly that, his view would be considered extreme by many.

But it begs the question, are there really people that make their way through life without having to use credit cards? I searched far and wide and actually found people that have done just that. They haven’t had a house or car payment in years, and their retirement accounts are fully funded for decades of worry free finances. Who are these people? Read the entire article.



Sponsored by The Herbs Place - Wholesale Prices Always

Saturday, October 27, 2012

How To Get A Holiday Job

From Forbes.com

With the unemployment rate at 7.8% and 4.8 million job seekers out of work for at least 27 weeks, many people are turning to that staple of seasonal employment, the Christmas holiday job. Though retailers are not forecasting a record-setting holiday season, they do expect gains from last year, and many companies are planning to hire seasonal workers to handle the increased demand.

According to John Challenger, chief executive of Challenger, Gray & Christmas, the Chicago-based outplacement firm that tracks job-cut and hiring announcements, holiday hiring will gain this year over 2011. Last year, seasonal hiring rose just 1.9% over the previous year. But this year will be stronger, predicts Challenger. “Nobody thinks it’s going to be a blockbuster year but I think generally, retailers feel that the season is going to be better,” he says.

A recent survey by management consultants, the Hay Group, underlines that trend. In a poll of 14 ... Read the entire article.


The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss




How to Prepare for a Hurricane

From FamilyEducation.com

Before The Hurricane

Hurricanes can be dangerous killers. Learning the hurricane warning messages and planning ahead can reduce the chances of injury or major property damage.

Plan an evacuation route.
  • Contact the local emergency management office or American Red Cross chapter, and ask for the community hurricane preparedness plan. This plan should include information on the safest evacuation routes and nearby shelters.
  • Learn safe routes inland.
  • Be ready to drive 20 to 50 miles inland to locate a safe place.
Have disaster supplies on hand.
  • Flashlight and extra batteries
  • Portable, battery-operated radio and extra batteries
  • First aid kit and manual
  • Emergency food and water
  • Nonelectric can opener
  • Essential medicines
  • Cash and credit cards
  • Sturdy shoes
Make arrangements for ... Read the entire article.


The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Secrets To Paying For College - Cutting Tuition Costs

From Money.CNN.com

You knew it was bad, but now that your child is close or getting ready to go to college, you're starting to get a truer picture of how bad. This year's estimated $22,300 total price (including tuition, room, board, books, and fees) for the average public college takes nearly a third of the annual income of a typical family with college-aged kids.

That's up from 15% a generation ago. At private colleges, the average asking price of $43,500 is equal to about 60% of that family's pay, vs. 33% about 20 years ago.

Ah, but you probably have a plan. Hoping your brainiac kid will get a nice scholarship to defray those costs?  Sorry, those awards typically knock the price down only by a ... Read the entire article.

The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Saturday, October 20, 2012

When Should Seniors Stop Driving?

How to Approach Older Adults With Concerns About Their Driving

Initiating a dialogue about senior driving concerns

If you have concerns about an older adult's ability to drive, addressing them promptly could be a matter of life and death. It may be tempting to procrastinate -- to talk to him next week or before the first snowfall, for example -- but think how you'd feel if the delay led to an automobile accident that resulted in a serious injury or death.

Considering the possible consequences should help you overcome your hesitation -- but that doesn't mean it will be easy. It's awkward and painful to have to inform older adults that they aren't capable of doing something as basic and essential as driving the car. For them, it's another ... Read the entire article.

Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Election Season Schemes Multiply

Election Season Schemes Multiply

This past week, political parties have stepped up the calls to the Latino community to help influence the vote. Local television stations reported that the calls are being made to get registration and voters to the polls.

While these calls are great participation, BBB reminds residents that there are a few who take advantage of the political fervor.

From robocalls offering a giveaway for taking a political survey, to promises that President Barack Obama will pay your ... Read the entire article.

Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Your Digital Estate: What Happens When You Die?

 From AARP

Your Digital Estate: What Happens When You Die?

Follow these 6 steps to protect your online data

When you die, your physical estate — your home, stocks, bonds and money — go to the heirs you named in your will. If you don't have a will, state laws will govern what happens to your assets. But what about your digital estate, such as pictures, Facebook status updates, tweets, emails and documents stored in the cloud or on social media sites?

You can make those data, and the memories that come with them, available to your heirs with a little preparation.


Your online activity: Memorialize or delete?

If you die without leaving specific instructions, the online service where the data is stored determines what to do with your information and content. That means sites like ... Read the entire article.

Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Saturday, October 13, 2012

Top 10 Soft Skills for Job Hunters

Each company looks for a different mix of skills and experience depending on the business it's in. Yet it's no longer enough to be a functional expert. To complement these unique core competencies, there are certain "soft skills" every company looks for in a potential hire.
"Soft skills" refer to a cluster of personal qualities, habits, attitudes and social graces that make someone a good employee and compatible to work with. Companies value soft skills because research suggests and experience shows that they can be just as important ... Read the entire article.

The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Tips On Interpreting Job Postings

Job postings are available in many formats and if you are not careful, you may eliminate yourself as a possible applicant by not interpreting the job posting for what it really conveys.
This career article offers four tips on finding the deeper meaning of job advertisements. Learning how to interpret these four components of job postings is the first step to successfully applying for them:

1. Experience Required
2. Salary Required
3. Organizational Skills Required
4. Proficieny Required

1. EXPERIENCE REQUIRED
The single most common requirement stated in job advertisements is experience. Some positions require no experience at all, while others might require 1-2 years of experience, while the most senior positions might require 10 or more years of experience! These numbers can be very intimidating, but the right approach can make a difference. When thinking about the experience required by a job, consider these options:

1. Work experience is NOT just typical jobs. Internships, volunteer work, and clubs are all valid forms of experience. Any learning opportunity is considered work experience.

2. Tailor your resume to fit the job description. If an advertisement says that a position requires 3 years of experience in sales, make sure your resume highlights ... Read the entire article.

The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Questions to Ask Before Relocating, Places to Retire, Moving

From AARP

You've made up your mind to move far away when you retire, to give yourself a fresh new start. You'll relocate to an affordable place of warm winters. There will be long leisurely readings of the newspaper over coffee, weekly tennis games and rounds of golf.

Wait, you're not thinking about doctors?

Maybe you haven't put "great health care" on your wish list when planning your move, but you certainly should. While your planned new home may be in your budget and in the right climate, it needs to fit into your life in many other ways.

"It's not always about the money when it comes to deciding where to live in retirement," says AARP work expert Kerry Hannon, author of the forthcoming book AARP's Great Jobs for Everyone 50+. "Money does matter, but what's really key ... Read the entire article.

The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Saturday, October 6, 2012

Ten Ways To Tell If Someone Is Lying To You

From Forbes.com

In business, politics and romance, it would be nice to know when we’re being lied to. Unfortunately humans aren’t very good at detecting lies. Our natural tendency is to trust others, and for day-to-day, low-stakes interactions, that makes sense. We save time and energy by taking statements like “I saw that movie” or “I like your haircut” at face value.

But while it would be too much work to analyze every interaction for signs of deception, there are times when we really need to know if we’re getting the straight story. Maybe a crucial negotiation depends on knowing the truth, or we’ve been lied to and want to find out if it’s part of a pattern.

In fact, being able to distinguish lies from truth is important not just ... Read the entire article.

The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Fix Fixed Expenses - Budgeting, Savings Challenge

From AARP

We've all heard the old saying, "Nothing is certain but death and taxes." Although when you stop to think about it, I suppose most of us would add "monthly bills" to that list.


So-called fixed expenses - those items in our household budgets that we consider unavoidable and non-negotiable - typically account for a big chunk of what we spend every month. According to the U.S. Department of Labor's annual Consumer Expenditure Survey, about two-thirds of the average American family's household spending is for basic necessities, as opposed to discretionary expenses. Between rent or mortgage payments, insurance, utilities, phone bills, car payments and more, most folks can relate to the lyrics of that popular country song: There's just too much month at the end of the money.
--But maybe at least some of our fixed expenses aren't as fixed ... Read the entire article.

The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Sell Possessions Effectively Without Using eBay or Craigslist

Selling a lot of things at once can be a daunting task, no matter how you choose to do it. Many like the yard sale route which always seems to be pretty effective. However, that option isn’t always available. Sometimes you don’t live in a prime location or it simply isn’t the season for yard sales. So what do you do then? Well, many move to one of the two popular online venues: eBay or Craigslist. I’m going to let you in on my new method of selling that doesn’t involve either of those. In fact, I owe all my thanks to ... Read the entire article.

The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Friday, September 28, 2012

This is Why You Overspend!

From Enemy of Debt

Overspending is something that most all of us have been guilty of at one time or another. But when you overspend on a regular basis, it can put a real dent in the amount of money you have to spend on the things you need, not just the things you want.

If you’re someone that tends to overspend often and then discover you’ve made a bit of a mess financially, it’s probably wise to start doing a little digging and try to discover just why the overspending is happening in the first place. Know Why Overspending Happens ... read the entire article.

Sponsored by The Herbs Place - Wholesale Prices Always 
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Why Self-Storage Is a Really Bad Idea

From WiseBread.com

According to The Self Storage Association, there are roughly 49,000 storage facilities in the U.S. alone. Self storage has consistently been the fastest growing area of the commercial real estate industry, representing $22 billion in annual U.S. revenues in 2011. But why?

Why are Americans so willing to saddle themselves with material albatrosses that sap their monthly income? Have we become such a nomadic and unsettled people that our consumerism can only keep up with our lifestyles through acres of augmented storage? I’ll leave that up to the social and cultural critics to decide.

If you’re considering entering the fray and renting a storage unit, or if you’re rethinking the value you get out of your current storage arrangement, let me offer a few arguments against these businesses that dot our landscape. Here are seven reasons why renting a self-storage unit is a bad idea ... Read the entire article.

Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Negotiating Your Health Bills

From OneMoneyDesign.com

The cost of health care in the United States continues to rise. The consulting firm Milliman Inc. reports that many families expect to pay $20,000 in health care costs this year. That’s a pretty large chunk of household income.

One of the largest portions of these costs is due to health insurance premiums. And, of course, many families have decided to take on higher deductibles in an effort to reduce what they pay each month in premiums. This means that many families are facing more out of pocket expenses, on top of premiums that seem to go higher each year… even if the increase is due to “administrative” costs.

Consumers, though, are discovering that they can negotiate some of their health care bills, and save some money in the the process. Read the entire article.

Sponsored by The Herbs Place - Wholesale Prices Always 
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss
"Simplicity of living, if deliberately chosen, implies a compassionate approach to life. It means that we are choosing to live our daily lives with some degree of conscious appreciation of the condition of the rest of the world." Duane Elgin

"Do what is good with your own hands, so that you might earn something to give to the needy." Ephesians 4:28