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Janine VanLuvanee
701 W. Market Street
Perkasie  PA 18944
 Phone: 267-259-2810
Office Phone: 215-453-7653
Cell: 267-259-2810
Fax: 267-354-6259 
jvanluvanee@remax440.com
Janine VanLuvanee

My Blog

Adopting a Savings Mindset Even When You’re Saddled With Debt

January 17, 2018 1:27 am

From student loans to low-paying jobs, saving for future goals, like owning a home, can seem like a pipe dream for today’s younger generation. Financial expert and author Eric Tyson says there are powerful steps younger people can take right now to make the most of their money and save for a brighter future. He says it’s all about adopting a “savings mindset.”

According to Tyson, author of Personal Finance in Your 20s & 30s For Dummies®, a savings mindset involves getting the most from your spending while also spending less money in general. It also means living within your means, sticking to a budget and saving as much as you can. Two essential things to remember? Every little bit you save matters, and it’s never too late to start.

Here are few of Tyson’s tips and tricks for saving money that will help build your nest egg for buying a home before you know it.

Consider living with roommates or family. While you’re young and still free of dependents, take advantage of the opportunity to share a rental or live with relatives as opposed to living solo. If living with family, be sure to set expectations, raise concerns and establish costs and rental agreements up front.

Choose a low-cost rental. If you’re living beyond your means, now is the time to dial it back and find a place that fits within your budget. The less you're spending each month, the more you can save toward buying your own place.

Negotiate your rental increases. Some landlords increase their tenants' rent no matter how good the tenant and regardless of the state of the economy. If your local economy is weak and the rental market is soft or your living quarters are deteriorating, negotiate with your landlord. You have more leverage and power than you probably realize. Landlords don't want to lose good tenants who pay rent on time, and filling vacancies takes time and money. Craft a polite note or pay a personal visit to make your case.

Cut your utility bills. Even as a renter, try to keep utility costs low as landlords factor your energy consumption into future rental hike decisions. Adjust your thermostat and wear layers in the winter, and keep your place warmer during summer months. And if you pay for garbage service, recycle as much as possible.

Contribute to a retirement plan. Tucking away money in employer-based retirement plans, such as 401(k) or 403(b) accounts, or self-employed retirement plans is a great way to exclude money from your taxable income.

Use a health savings account. You can reduce your taxable income and sock away money for future healthcare expenses by taking advantage of a health savings account (HSA). HSAs can offer better tax savings versus retirement accounts because, in addition to providing upfront tax breaks on contributions and tax-free accumulation of investment earnings, you can also withdraw money from HSAs tax-free so long as the money is used for healthcare costs. No other retirement accounts offer this triple tax-free benefit.

Learn to cook. Cooking at home as opposed to eating out can save you hundreds of dollars each month, not to mention, keep you healthier as well. Be sure to cook enough so that you can brown bag your lunch with leftovers, too.

Eric Tyson, MBA, is the author of five national best-selling financial books, including Investing For Dummies, Personal Finance For Dummies and Home Buying Kit For Dummies. He has appeared on NBC's Today show, ABC, CNBC, FOX News, PBS and CNN, and has been interviewed on hundreds of radio shows and print publications. “Personal Finance in Your 20s & 30s For Dummies” ® (Wiley, 2017, ISBN: 978-1-119-43141-1, $19.99) is available at bookstores nationwide, from major online booksellers, and direct from the publisher by calling 800-225-5945.

Published with permission from RISMedia.


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How to Protect Yourself from Digital Eye Strain

January 17, 2018 1:27 am

If you're like most Americans, you spend much of your time in front of some sort of screen. Technology has seeped into almost every aspect of our daily lives, and Americans can't seem to keep their eyes off an ever-growing array of devices with activities becoming increasingly digitized. Among key findings from the 2017 VisionWatch survey, Americans are especially tied to the following:

Computers: An average 75.6 percent of respondents regularly use a computer to research, 54.2 percent to shop online, 48.7 percent to find a recipe, 36.2 percent to check social media and 26.7 percent to play games.

Smartphones: An average 58.2 percent of respondents regularly use a smartphone to get directions, 56.6 percent to serve as an alarm clock, 53.7 percent to check the weather, 38.1 percent to check social media and 25.8 percent to play games.

Television: An average 32.2 percent of respondents use television to get the news, 16 percent to keep track of professional sports and 14 percent to check the weather.

In addition to eyewear and contact lens solutions, some other "eye-gonomic" tips to relieve digital eye strain include:

Taking frequent breaks from looking at screens, giving the eyes an opportunity to blink more, since they typically blink less while staring at screens.

- Reducing overhead lighting to eliminate screen glare.
- Positioning yourself at an arm's distance away from a screen.
- Increasing text size on devices to better define content on screens.

Source: The Vision Council

Published with permission from RISMedia.


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Navigating the Cooking Oil Aisle: Fast Facts for Cooking With Corn Oil

January 17, 2018 1:27 am

(Family Features)—When cooking for your family, selecting the best ingredients for a heart-healthy meal can be challenging, and there is one ingredient that is often the core of any recipe: cooking oil. However, navigating the cooking oil aisle can be confusing; this guide breaks down everything the home chef needs to know about cooking with oil.

Heart-Health Focused. Maintaining healthy cholesterol levels is important to your heart health, and when it comes to impact on cholesterol, not all cooking oils are created equal. Next time you find yourself reaching for extra virgin olive oil at the grocery store, consider swapping it out for corn oil, which a study shows can help lower cholesterol two times more than extra virgin olive oil. Corn oil also has nearly five times the amount of polyunsaturated fats compared to olive oil. These heart-healthy polyunsaturated fats help reduce cholesterol levels in your blood.  

A Gut Decision. When it comes to lowering your cholesterol and staying heart healthy, go with your gut. Corn oil contains cholesterol-blocking plant sterols—plant-based micronutrients that help block the absorption of cholesterol in your gut and work to prevent bad cholesterol (LDL) from entering the bloodstream. Corn oil contains nearly four times more cholesterol-blocking plant sterols than olive oil, three times as many as vegetable oil and nearly 1.5 times more than canola oil.

Sourcing the Best Ingredients. Today, more and more families are paying close attention to where their food comes from and prefer locally sourced ingredients. Opting for local food can give you more confidence in the ingredients you use in your family's meals.  

Multipurpose Functionality. Whether you fancy yourself a top-notch baker, grill master or are just starting out, each ingredient selected plays an important role in obtaining the meal's desired taste. Extra virgin olive oil has a strong flavor that can change the taste of the foods you cook. Corn oil is an all-purpose cooking oil with a neutral taste that lets the true flavors of your dish come through, making it the perfect ingredient for heart-healthy dishes like pan-fried salmon. Or you can use it as a dressing over a bed of spinach.  

Corn oil can also handle the heat in the kitchen because of its high smoke point (450 Fahrenheit), making it a great, all-purpose cooking oil for everything from grilling and sauteing to stir frying and baking. This is key for crafting quality meals at home because once a smoke point is exceeded, the food flavor and nutritional value are negatively affected.

Source: Mazola Corn Oil

Published with permission from RISMedia.


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Are You Following Safe Cyber Rules?

January 16, 2018 1:21 am

While most consumers are well aware of the hazards of cyber security—with the Equifax breach alone exposing the sensitive data of as many as 143 million Americans—the majority still fail to take the necessary precautions to protect themselves. According to a survey conducted online by Harris Poll, on behalf of Tenable™,Inc., while 94 percent of Americans were aware of news stories about security breaches, few took critical steps to protect their data or change their online habits.

The study found that in the past 12 months, 44 percent of Americans did not use a password to protect their personal information on their computer, and 55 percent failed to use a PIN to protect their personal information on their mobile devices. When it comes to the industry recommended practice of two-factor authentication, 75 percent of respondents admitted not implementing this important practice, while only 32 percent reported reducing their use of public Wi-Fi or unknown hotspots.

On the plus side, 53 percent reported creating more complicated passwords and 15 percent have used a password management tool to protect their personal information in the past 12 months.

According to Tenable, a popular inroad for hackers to compromise devices and steal data is when apps have security vulnerabilities; however, few people pay much attention to patch requests. Fourteen percent of smartphone users waited more than a week to update apps on their smartphone after receiving a prompt—with 5 percent never getting around to it at all. Meanwhile, 13 percent of computer users wait more than a week to update the apps on their computer, and 5 percent never do.

To maintain a level of basic cyber safety, Tenable advises:

- Where applicable, enable two-factor authentication for all online services
- Update your apps and computers within 24 hours of receiving a notification
-  Assign strong passwords to your computer, mobile phone and tablet, and don't share them with others

Source: Tenable, Inc.

Published with permission from RISMedia.


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DIY Car Care Everyone Can Do

January 16, 2018 1:21 am

(Family Features)—While taking your car to an auto service professional is a great way to ensure its performance, the Car Care Council reminds vehicle owners there are a few simple vehicle checks that they can easily learn and do themselves to save a little money and help keep their vehicles running efficiently all summer long.

With basic knowledge of common maintenance practices and a little time, motorists can inspect the following components in their own driveway:

— Check the tires, including tire pressure and tread. Uneven wear indicates a need for wheel alignment. Tires should also be checked for bulges and bald spots.

— Check all fluids, including engine oil, power steering and brake and transmission, as well as windshield washer fluid and antifreeze/coolant.

— Check the hoses and belts as they can become cracked, brittle, frayed, loose or show signs of excessive wear. These are critical to the proper functioning of the electrical system, air conditioning, power steering and the cooling system.

— Check the wipers and lighting so that you can see and be seen. Check that all interior and exterior lighting is working properly and inspect and replace worn wiper blades. Keep the reservoir filled with windshield washer fluid.

— To keep the cooling system working effectively, the coolant and distilled water mixture for a vehicle's radiator should be 50:50. Never open a hot radiator cap when checking the coolant level in the reservoir. As a rule of thumb, the coolant should be changed annually on most vehicles.

— Check the gas cap to ensure it is not damaged, loose or missing to prevent gas from spilling or evaporating.

— Don't neglect the exterior. When washing the outside, make sure to include the tires and wheels and the underside and fenders to eliminate any road salt or grime. The body of the vehicle should be washed using a product sold specifically for cars. Wax your vehicle every six months.

Source: Car Care Council

Published with permission from RISMedia.


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5 Tips for Getting Affordable Dental Care Without Coverage

January 16, 2018 1:21 am

If you're one of the millions of Americans without dental care coverage, then you know the struggle of keeping your mouth healthy at an affordable price.

"It was recently estimated by the National Association of Dental Plans (NADP) that 23 percent of the U.S. population does not have dental insurance," says Kevin Henry, author of the new book, Battling and Beating the Demons of Dental Assisting (Indie Books International, 2017). "Because of that, many people put off trips to visit the dentist, and that is a decision that can prove harmful in the long run."

Here are five tips from Henry for people who don't have dental insurance:

1. Ask about dental plans. Dental practices are beginning to understand how many of their patients walk through the doors without insurance. With that in mind, many practices are coming up with their own discount dental plan (often called "memberships") they can offer to patients. There may be a discount for a number of bundled services or two cleanings and checkups put together for a lower price than if they were bought separately. Every dental practice has the ability to come up with its own dental plan or membership so ask the practice what their plan offers and any deadlines for completion of services.

2. Get on a payment plan. Without available financing, a recent study showed that 39 percent of patients said they would not have had dentistry done at all. Another study showed that 52 percent of patients were not aware that financing was a payment option. Big stores such as Best Buy offer their own financing to customers so they can afford a big-screen television. Dental practices are more than happy to offer you options for your treatment. Just ask what those are and see if they fit your plans and budget.

3. Look around for local dental or dental hygiene schools. Dental students and future dental hygienists need patients to learn their craft. Dental schools advertise their services to the community as a low-cost option for patients. As an example, the University of Oklahoma Dental School states on its website, "In the student program, patients are treated by dental students under the direct supervision of faculty. Patients in the student clinics receive low-cost quality care in an educational environment."

4. Contact your state or local dental association. Every state has a dental association and every state's dental association's offerings should be online. Do a little searching and see what low-cost treatment options are available on your state's site.

5. Ask for the "cash price" option. If you have the cash available to pay for a procedure, tell the dental office when you make an appointment and ask them if they offer discounts if you're paying with cash and paying it all up front. Many practices do discount their fees if they don't have to deal with insurance.

"The American Dental Association recently said that emergency room dental visits cost $1.9 billion yearly, 40 percent of which is public money, according to their analysis of data from the Agency for Healthcare Research and Quality," says Henry.  "That's a lot of money for people who had dental pain that perhaps could have been alleviated by seeing a dentist days or weeks earlier."

Source: Kevin Henry, Indie Books International

Published with permission from RISMedia.


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Do You Have the Right Tools to Dig Into Spring Gardening?

January 12, 2018 12:53 am

As sure as winter will turn to spring, before too long folks will be looking forward to planting gardens and digging into landscaping projects around the yard. So we turned to research from gardenoid.com, which gathered 34 gardening experts to find out their opinions on the top must-have tools for making your garden look stylish in 2018.

Among the most popular tools touted for gardeners is a Mattock - which is used for clearing the ground, removing stones and digging out deep roots that create roadblocks.

Composting is another way that homeowners can promote environmental responsibility. And making compost can now become much easier when you make use of a chipper shredder. While a leaf shredder can be used primarily for shredding small sized leaves and twigs, if you want to chop and shred branches, then gardenoid.com recommends buying a chipper.

At Gardendesign.com, Jennifer Nelson says gardening can turn into a thorny and splintery hassle without the right pair of gloves.

Madaline Sparks at Realsimple.com agrees that while one good pair of garden gloves can be as essential a tool as a shovel or a rake - owning three pairs will make a multitude of tasks easier:

Washable synthetic gloves. For general maintenance, such as deadheading, weeding in dry soil, and handling seeds, the thin fabric and snug fit allow fingers maximum dexterity.

Latex-coated cotton gloves. For dirty, wet jobs, like picking up leaves or planting shrubs, and for working with thorny plants (the latex coating is puncture-resistant).

Heavy-duty leather gloves. For tough jobs, like digging holes, clearing brush, and carrying firewood.

Brendan Huggins of Moore Farms Botanical Garden (moorefarmsbg.org) says pruners are one of the most used tools in the garden and are often one that people skimp on. But a high-quality set of pruners can last a lifetime.
Huggins suggests looking for replaceable blades, a sturdy lock, a replaceable spring, and a place that you can readily purchase replacement parts from when deciding what pruners to buy.

Moore Farms' Kirk Laminack on the other hand says a Japanese planting hoe is an ideal addition to your gardening arsenal when it comes to loosening soil and removing weeds.

Published with permission from RISMedia.


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Brrr! Better Car Care Tips for Winter Weather

January 12, 2018 12:53 am

You aren't the only one who needs to bundle up in the winter. Your vehicle, too, needs some special care in the colder months. The non-profit Car Care Council offers six quick tips to help your vehicle perform at its best during cold weather months.

Keep the gas tank at least half full; this decreases the chance of moisture forming in the gas lines and possibly freezing.

Check the tire pressure, including the spare, as tires can lose pressure when temperatures drop. Consider special tires if snow and ice are a problem in your area.

Have the exhaust system checked for carbon monoxide leaks, which can be especially dangerous during cold weather driving when windows are closed.

Allow your car a little more time to warm up when temperatures are below freezing so that the oil in the engine and transmission circulate and get warm.

Change to low-viscosity oil in winter as it will flow more easily between moving parts when it is cold. Drivers in sub-zero temperatures should drop their oil weight from 10-W30 to 5-W30 as thickened oil can make it hard to start the car.

Consider using cold weather washer fluid and special winter windshield blades if you live in a place with especially harsh winter conditions.

Source: Car Care Council

Published with permission from RISMedia.


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Winter Advisory Travel Tips

January 12, 2018 12:53 am

Whether you're dreaming of hitting the slopes or packing your bags for some fun in the sun, traveling during the cold season comes with its own quirks. Here are eight winter advisory travel tips from Travel Leaders Group:

Book early. Contact a travel agent who can help you avoid peak travel dates and travel times. Even if you must travel within a certain range of dates, the time of day you travel can help cut down on the amount of time you sit driving below the speed limit during heavy traffic or flying at peak times which might make it harder to land a reservation on the next flight out when yours is canceled. For example, you may want to avoid the first or last flight of the day depending on the start and end time of the storm since these flights have a higher frequency of being canceled.

Sign up for travel insurance. Often airlines will issue travel waivers that allow you to rebook your ticket away from the affected dates at no additional charge. You should take advantages of these when they post. However, for those instances where you may miss a flight because you were stuck in traffic or your ship sailed without you when your flight was canceled or delayed, travel insurance can be your saving grace to recoup all or part of your travel investment.  

Get travel advisories or weather alerts delivered to your phone. There are several apps that allow you to receive email or text message notifications from your airline about your flight's status. A weather.com app can keep you updated about conditions. Also, an all-in-one mobile solution is an efficient way for business travelers not only to receive text notifications about flight delays, cancellations or gate changes, but also to reach live travel agents 24/7 to assist with flight disruptions or flight reservations.

Pack a winter safety kit. Whether you're driving or flying, prepare for possible delays with a few essentials. Pack a small extra bag with an extra sweater, gloves or small throw, as well as water and high-energy or high-protein foods such as granola bars or beef jerky. You may also want to pack a toothbrush and toothpaste, a change of underwear and any needed prescription medications. Remember also a flashlight, extra batteries, or phone charger, a first aid kit and a good book.

Consider larger airports and travel light. If you suspect there may be severe weather threats during your time of travel, consider flying from a larger airport. Larger international airports will have a greater chance of more alternate flights, and they are also better equipped to clear runways faster or with de-icing of a plane. If you travel with only a carry-on, you'll be in a better position to change flights quickly in the event of a cancellation.

Stay on the main roads. If you're driving between destinations, stick to major highways or well-traveled roads. Not only are they likely to be plowed more quickly, there are other people who can come to your rescue easily should you need assistance. Travel also during daylight hours or when car repair shops or convenience stores are more likely to be open. If you're stranded in your vehicle for an extended period of time, run your engine for only a few minutes once or twice an hour to stay warm and conserve gas. While the car is running, be sure to slightly roll down a window to keep carbon monoxide from building up inside.  

Go west. For those looking for a temporary respite from the cold, they could go west to Arizona or south to the Caribbean. You don't have to be a Baby Boomer to become a snowbird every winter. With many Americans and Canadians having the flexibility to work from home or remotely, it may be worth avoiding the coldest weeks of the year by working from someplace sunny.

Enjoy the snow. And there are those who feel it just wouldn't be winter without the snow, despite the cold. Whether you are a skier, snowboarder or just want to lounge at the spa on a snowy backdrop, places such as Aspen, Jackson Hole, or Banff, Canada, can provide the perfect setting.

Source: Travel Leaders Group

Published with permission from RISMedia.


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Beating Winter Workplace Blues

January 11, 2018 12:44 am

Cool weather and less light can bring a dip in moods--especially if you spend most of the daylight hours stuck inside an office building. Accountemps shares five tips to help employees beat the winter blues and boost their mood and productivity at work.

Stay active. Take a brisk walk outside (weather permitting) or hit the gym during lunch to clear your mind and get energized to tackle your next project.

Nourish yourself. When you're hungry, snack on fresh fruit or nuts. They're much better for your body and focus than sugary or greasy selections from the vending machine.

Make time for small talk. Sometimes the best ideas come from casual conversations. In between tasks, grab coffee or lunch with a colleague.

Set goals for the year ahead. Now is the time to think about your career objectives and what you would like to accomplish in the coming year. Write them down and have a discussion with your manager about your goals.

Pursue professional development. Explore the idea of attending seminars and workshops to gain new skills, build your network and increase your marketability.

Source: Accountemps

Published with permission from RISMedia.


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