Seven Mistakes to Avoid When Buying a New Mattress

(NewsUSA) – You may be happy with your honey, but the happiest of couples can argue over money.Financial issues are one of the most cited causes of conflicts in a marriage, and financial problems, including debt and disagreement about money management, are among the top issues in divorce as well.Merging your life, including your financial life, with someone else’s can be challenging, but setting up a solid financial plan early in marriage can help preserve harmony and nip money conflicts in the bud. Data from Ameriprise Financial show that at least one-third of couples disagree about money at least once a month on topics including savings and discretionary spending.Fortunately, today’s technology offers new options to help couples navigate shared and individual finances. More American couples now maintain separate bank accounts instead of, or in addition to, joint accounts, and the latest banking apps offer flexibility, security, and ease of use. MovoCash is one example of a digital payment card platform that offers consumers with a variety of financial life hacks as alternatives to traditional banking services. Anyone in the U.S. can open an FDIC-insured MOVO card account that is easy to use and doesn’t require gold-plated credit.MOVO’s easy design offers a simple financial strategy for couples: each partner can open a separate account for immediate spending needs and personal discretionary purchases, and the couple also can maintain a joint account for major expenses such as savings, bills, and home expenses. Purchases and payments can be made quickly and directly from a phone.In addition, funds can be transferred instantly between MOVO accounts, and the system allows for direct deposits to manage incoming paychecks and outgoing payments. The MOVO card can be used anywhere Visa is accepted, so that cuts down on the use of credit cards and the potential debt of credit-card bills. The app helps users track transactions and monitor balances, making it easier to avoid overspending and stick to financial goals while leaving room for each partner’s pleasure purchases.For more information about MOVO’s mobile banking options, visit https://movo.cash.Are you married with MOVO? Contact support@movo.cash and tell us how you use it, and you have a chance to be featured in a future article.

Veterans and Medicare: Myths Debunked

(NewsUSA) – A mattress is one of the most important purchases you’ll ever make. You spend approximately one-third of your life in bed and how well you sleep can affect your health and well-being. But shopping for a mattress can be confusing for even the wisest consumers. Here are seven mistakes to avoid when you’re ready to shop for a mattress that will help you get the best night’s sleep possible:1. Buying too small. Especially if you’re sharing a bed, you should buy at least a queen-size mattress. A healthy person moves 40 to 60 times a night and makes lots of full-body turns. For sound sleep, you need freedom of motion. A full-size mattress, for instance, only gives each partner about the same width as a crib!2. Being too shy to try. When you shop, wear shoes you can easily slip off and comfortable clothes so you can lie down for a solid five to 10 minutes in your preferred sleep position. Finding a mattress that feels right is a personal choice. Taking the time to truly experience whether the mattress feels good to you is well worth it.3. Confusing firmness with support. Gone are the days when a mattress had to be hard to provide adequate support. Look for a mattress that allows your spine to maintain its natural alignment while you’re lying down. A supportive mattress can have various types of upper-layer comfort, from very soft to not-so-soft.4. Not reading reviews or getting referrals. Furniture stores, department stores, sleep specialty shops and online e-tailers all sell mattresses. Ask friends and family for referrals.5. Trying to comparison shop. Model names vary from store to store, and many retailers offer certain models exclusively, so comparison shopping can be frustrating.6. Forgetting to ask about return policies. Particularly if you buy a mattress online, you won’t have the chance to try it out, so read the reviews, carefully check return and shipping policies – and be certain there’s good customer support should a problem arise.7. Assuming the foam is certified. Check to be sure your mattress contains conventional or memory foam that has been certified by the not-for-profit CertiPUR-US certification program. That’s your assurance that the foam meets rigorous standards for content, emissions and durability, and has been analyzed by independent, accredited testing laboratories.The organization’s website has a directory of participating companies and brands at www.certipur.us.A little prep work before you start mattress shopping will go a long way in helping you rest easy – in every sense of the word. 

Making the Transition from House to Home

(NewsUSA) – Whether talking new construction or refreshing an existing space, if you’re looking to transform that "roof over your head" into a warm and flourishing home, the experts say it’s all in the details. It’s the architectural elements – specifically those crafted from natural materials, such as cypress – that transition a house into an extraordinary home.So, take it from these pros, and let the metamorphosis begin."When it comes to creating a warm and welcoming aesthetic in a home, there’s nothing quite like cypress," says Mark Tuck of the Southern Cypress Manufacturers Association, www.CypressInfo.org."Its distinctive beauty and extreme versatility make cypress a unique material, one that can be used to create striking, architectural details." Take it from the top From the simple charm of tongue-and-groove to the intricate depth of coffered ceilings, today’s savvy interior designers are using wood to add visual interest to otherwise flat, dull ceilings. Topping the list is Charlotte, North Carolina-based designer Vicki Payne Donatelli, who frequently relies on cypress when adding decorative ceilings to her high-end-home designs."I’ve worked with cypress many times and love its aesthetic and practical qualities," Payne Donatelli says. "For ceiling treatments, I tend to pair cypress planks with structural cypress beams. And whether talking about great rooms, kitchens, or bedrooms, a cypress ceiling can have a dramatic effect on the look of a room. The result is always stunning." Take a look around A fresh coat of paint may be a quick and easy fix for lackluster walls. However, the latest design trends are pulling out all the stops with an elegant, yet comforting approach to your living spaces. For award-winning home builder Stephen Ellis of MGB Fine Custom Homes in Sarasota, Florida, the buzzword is "shiplap." And according to Ellis, "Adding a shiplap cypress wall can create a beautiful backdrop and focal point in any room."In my experience building luxury homes, owners are increasingly asking for horizontal shiplap paneling with a nickel-sized gap between the boards. And when it comes to selecting which wood to use, I typically recommend cypress, because with its rich texture and grain pattern, it offers one of the most elegant looks."Remember, it’s all in the details. So, take note of what the experts like when it comes to selecting a finish for interior cypress woodwork."Some homeowners choose to be bold with paint, while others prefer the subtlety of stain," Payne Donatelli says. "Because cypress accepts stains so swell, in my projects I tend to suggest using a mix of light and dark stains. In that way, you highlight cypress’ honey-like hues, plus introduce some complementary color. It’s an approach that can really enhance a space."Ellis agrees and adds, "I like that cypress can take on so many different tones, but my preference is to apply a wax finish over the wood, and let cypress’ natural beauty shine through."To make the transition from house to home, and for a closer look at the warmth, beauty and versatility of cypress, visit the photo gallery at www.CypressInfo.org. And let the metamorphosis begin. 

Extend the Life of Your Outboard Engine with These Storage Tips

(NewsUSA) – It’s the time of year everyone dreads: flu season.Last season, more than 900,000 people were hospitalized due to the flu or flu complications, according to the Centers for Disease Control and Prevention (CDC). People over the age of 65 are at greater risk for these complications, making up about 85 percent of seasonal flu-related deaths and hospitalizations last year.Experts say nearly half (48.5 percent) of senior hospitalizations could, in fact, be avoided if proper preventative steps are taken, according to research from Home Instead, Inc. Here are tips to avoid the dangers of the flu:* Consider a flu vaccine for your loved one. If you choose to get the flu shot, the best time to get one is before flu season is in full swing. For the best protection, the vaccine should not be limited to just older adults. Caregivers and family members also need to stay healthy to protect older loved ones.* Take daily preventative measures. It might sound simple, but washing your hands and avoiding those who are sick can go a long way. The CDC lists seven healthy habits to stop germs, including not touching your eyes, nose or mouth and sanitizing properly.* Encourage physical activity for those who are able. Moderate exercise boosts the immune system and can reduce the risk of a cold, according to Harvard Health. Even in frigid winter temperatures, activities such as a walk at a community recreation center or simple strength training exercises at home, using household items and body weight, can boost immunity. * Pay attention to the signs and symptoms. Frequently check in on loved ones. Pay close attention to symptoms and changes in their appearance or demeanor. Encourage regular doctor visits to help keep minor symptoms from turning into more serious issues. And it’s important to know all symptoms of the flu and get treatment as soon as possible.* Take extra precautions to prevent hospitalizations. Simple steps, such as acknowledging symptoms of illness when they first appear, reducing risks of falls around the home and maintaining a healthy diet can all have a substantial impact on protecting older adults from hospitalization and further infection.For more information on staying healthy this flu season, including the "5 Ways to Prevent Senior Hospitalizations" guide, visit www.preventseniorhospitalizations.com, or find a Home Instead office near you at www.homeinstead.com/state

Your Attic Can Make Pre-Winter Roof Checkups Easier

(NewsUSA) – As summer winds down, every boat owner clings to those last few warm days to take his or her boat out on the water with family and friends. Unfortunately, summer doesn’t last forever and as the sun sets on another boat season, it is time to start thinking about how to store your boat and outboard engine for those off-season months.Proper off-season storage protects critical internal components from corrosive gummy deposits from unbound ethanol, which can damage your engine, fuel tanks and fuel system components. Proper winterization also helps to protect against the freezing of critical engine components. If left untreated, damage from corrosion, broken parts, and general repairs could cost you thousands of dollars as well as time on the water.So, as you prepare for off-season storage, follow these easy winterization steps to ensure your outboard engine is in tip-top shape for next season:1. Flush out the engine with fresh water. Doing so will flush out excess salt, dirt, sand, and other contaminants, and prevent blockage and corrosion of critical cooling system components.2. Add fuel stabilizers. Pour quality fuel stabilizers into the gas tank to prevent the breakdown of ethanol and other deposits from ruining your engine. Be sure to run the engine after adding the stabilizer to the fuel tank to ensure that it reaches fuel system components in the engine.3. Keep the fuel tank full. Storing your boat with a full tank of fuel, particularly if ethanol fuel is used, will help minimize condensation that may occur within the fuel tank.4. Fog the engine cylinders and carburetor intakes to help slow corrosion. The use of spray fogging oil will help protect internal engine components from corrosion. Spray fogging oil into the air intake while the engine runs, then disconnect the fuel line. Continue to spray into the air intake until the engine dies. Evinrude E-TEC engine’s auto-winterization feature streamlines steps one and four by flushing out the engine and fogging itself for a few minutes. After the engine has completed fogging, it will shut off and your engine will be ready for storage.5. Change the oil in four-stroke engines. Changing the oil will remove moisture and harmful acids that have collected within the oil. These acids and contaminates could cause corrosion of internal engine components.6. Drain and replace gear case lubricant. Milky colored gear lubricant is a sign that water has entered the gear case. If left unchecked, the water within the gear case can freeze, causing the gear case to permanently fail.7. Ensure that the battery is fully charged and disengaged. A fully charged battery is less susceptible to damage during cold storage. A fully charged battery’s freezing point is around minus 95 degrees Fahrenheit, whereas a partially-charged battery could freeze in temperatures as high as 20 degrees Fahrenheit.You should always consult your owner’s manual for specific winterization techniques, but following these quick, easy, and relatively low-cost steps will protect your engine and save you expensive maintenance costs next season. 

Join The Fight, Live United

(NewsUSA) – For too many people, every day is a struggle. A struggle United Way confronts by working tirelessly with organizations across the world to provide those in need with tools and resources to improve their lives. Like transitional housing and job training that helps families support themselves. United Way fights for the health, education and financial stability of every person in every community. Join us as we mobilize the caring power of your community. Volunteer or donate at Unitedway.org/jointhefight See full-sized image here

Choosing Health Care Benefits – a Chore or a Labor of Love?

(NewsUSA) – Hemophilia, a blood disorder in which the blood fails to clot properly, is a rare condition, but for those who have it, staying healthy can be challenging.The treatment for hemophilia is multifaceted, but it can include preventive care at home. Patients can give themselves infusions of clotting factors that are normally present in the blood to help prevent excessive bleeding episodes, which can be life-threatening and cause permanent damage.Repeated self-infusion as a preventive measure is associated with a lower incidence of the joint problems that can arise from excessive bleeding.In a recent study, 60 adult blood-disorder patients who self-infused experienced fewer joint problems by preventing the levels of clotting factors in the blood from falling below 1 percent of what is considered normal. Joint problems can become debilitating if left untreated, and patients may be unable to perform routine daily activities, attend school or work, or walk without a cane, walker, or other assistance.In addition, blood-disorder patients who self-infuse have reported feeling more confident and in- dependent, and appreciate the convenience of infusing at home, according to data from NCHS, a specialty pharmacy service for blood-disorder patients.Most importantly, the opportunity to infuse at home also may serve to motivate patients to take their medications as directed."Working to improve non-adherence among patients who intentionally stop their medications or intentionally disregard their prescribers’ instructions can be more of a challenge than simply helping patients remember to take their meds," according to a report from NCHS. "But if you understand why patients are making these choices, you may have better results."Common reasons why patients with a chronic disease such as a blood disorder fail to take their medications as directed include:* Concerns about the high cost of the medication.* Concerns about the medication’s side effects and whether it’s necessary.* Complexity of the treatment.* Communication issues with doctors about the value and benefits of the medication.Service providers like NCHS can help patients achieve more independence by offering discreet home delivery of medications, education and support. Services include detailed explanations about the use, dosing, storage, and side effects of medications so patients feel confident in their at-home care, as well as reimbursement expertise and caregiver education and counseling.For more information about NCHS and managing blood disorders, visit nchswecare.com

Honoring Veterans through Partnership And Education

(NewsUSA) – Every year on November 11th, we formally thank men and women who have honorably served in the United States military. In fact, Veterans Day was born on May 13, 1938 as a way of honoring the veterans of WWI. Fast forward to 2017, and thousands of our fathers, mothers, sons and daughters have served in WWII, the Vietnam War and War in Afghanistan, to name a few.At Humana, one of the nation’s leading health and well-being companies, the commitment to veterans is strong. Humana, across its diverse sites and services, works closely with its members, partners and industry to foster innovation in health care for all of its members, including our veterans.Several partnerships enable Humana to honor veterans through education and guidance about navigating health-care choices -; specifically, when veterans have the opportunity to consider health care options through the U.S. Department of Veteran Affairs (VA) and plans like Medicare Advantage.There are often misconceptions among veterans about how their VA benefits work with Medicare Advantage. In fact, enrolling in a Medicare Advantage plan may provide veterans with additional service and location options. Every day, Humana’s trusted advisors are there to provide guidance and clarity on health insurance and wellness matters that impact veterans and their family members.These Humana experts have the unique knowledge to help senior veterans gain a better understanding of their Medicare options and help them to make better-informed health-care choices.For many veterans, the opportunities to get help in understanding health-care choices happen in their local communities. For example, Orlando Gallardo is a 75-year-old veteran service officer from Conejos, CO who has partnered with his Humana agent to help veterans get the education and information they need to secure the right health-care coverage to achieve their best health."[My Humana agent] understands and appreciates veterans, and I appreciate him.""If we can help a veteran, why not?" Gallardo asks.Gallardo and his agent honor veterans through their partnership and genuine care for our American heroes.One thing that can be confusing to veterans is how their VA prescription drug benefits work with a Medicare prescription drug plan. Gallardo and his agent help veterans understand that they can actually consider either or both options for coverage. But both types of coverage can’t be used for the same prescription at the same time.Veterans can also comparison shop for Medicare Advantage and prescription drug plans, as well as research prescription drug costs, on the website Medicare.gov.Furthermore, Humana provides guidance about Medicare Advantage plan options by partnering with organizations that support veterans, including through its national affiliate partnerships with the Veterans of Foreign Wars of the United States (VFW) and American Veterans (AMVETS).With whatever health-care options veterans choose for themselves and their families, having a personal commitment to well-being is a part of the equation.Gallardo, a Humana Medicare Advantage member, understands that he has to do his part in staying healthy."My part is being healthy and to stay active and keep the cogs turning and keep’em oiled," says Gallardo.Humana is a Medicare Advantage HMO, PPO and PFFS organization and a stand-alone prescription drug plan with a Medicare contract. Enrollment in any Humana plan depends on contract renewal.Y0040_GHHK4APEN 

Esta prueba de huella para los neumáticos, Easy Tire, sólo cuesta un centavo

(NewsUSA) – Los neumáticos pueden no ser la primera cosa que usted nota cuando mira un automóvil, sin embargo puede ser el elemento más importante para la seguridad y el funcionamiento de cualquier vehículo. Cuando lo piensa, ellos son la única parte de su auto que lo conecta a la carretera.Mientras que los frenos paran sus ruedas, son sus neumáticos los que detienen el auto, y ése es el porqué mantenerlos es absolutamente delicado. Afortunadamente, uno de los chequeos de neumáticos más importantes no le costará más de un centavo!Una vez al mes, o antes de dirigirse a un largo viaje por carretera, revise sus neumáticos para verificar el desgaste y cualquier daño usando "la prueba del centavo". Sólo tome un centavo y seleccione un punto en su neumático donde la banda de rodadura aparece más baja. Luego, manteniendo el cuerpo de Lincoln entre el pulgar y el índice, coloque la cabeza de Lincoln en uno de los surcos. Si cualquier parte de la cabeza de Abe Lincoln está cubierta por la banda de rodadura, usted está conduciendo con una cantidad legal y segura de la banda.Sin embargo, si toda la cabeza de Lincoln es visible, es una señal de que es hora de conseguir neumáticos nuevos."La tracción y la banda de rodadura están inextricablemente unidas. Las ranuras en su neumático son fundamentales para ayudar a levantar el agua y permitir que el neumático se agarre la carretera", dice Sarah Robinson, experta en seguridad de Michelin. "Asegurarse de que está conduciendo con neumáticos con una banda de rodadura adecuada puede ser la diferencia entre evitar un accidente y convertirse en parte de él".Si es hora de conseguir neumáticos nuevos, considere estos dos factores en primer lugar:1. Seguridad: La mayoría de los neumáticos funcionan bien en situaciones cotidianas, pero en condiciones difíciles revelarán sus diferencias. Elija neumáticos que puedan funcionar bien en los peores tipos de clima o carreteras que encuentre. Por ejemplo, si usted vive en una región con fuertes nevadas intensas e inviernos fríos, considere neumáticos de invierno durante parte del año. La diferencia puede ser enorme.2. Valor: Es importante recordar que no todos los neumáticos son iguales. Los neumáticos pueden parecer un gasto adicional al mantenimiento general del automóvil, pero invertir en neumáticos de calidad conocidos por un rendimiento duradero, como Michelin Defender con su garantía de 80 000 millas, le ahorrará dinero con el tiempo a medida que sus neumáticos no necesita ser reemplazados tan rápidamente.Para obtener más información, visite www.MichelinMan.com 

How to Take a Stress-Free Holiday Road Trip

Five words or less(NewsUSA) – Holiday travel can be stressful, but it should be fun, too. Advance planning and proper car care can take much of the stress out of a holiday road trip and leaving you free to enjoy the ride.
Checklists for each aspect of the trip will help ensure that nothing important is left behind, and that you are safe and prepared in case of an emergency.
When it’s time for a holiday road trip, keep these tips in mind for smooth travels:
–Check your ride: A complete car check before a road trip should include making sure the fluid levels are sufficient. Make sure wiper blades and the wiper mechanism itself is working properly. Check your lights, including brights, to be sure they are functional. And, last but not least, don’t forget your tires. Tires are the connection between your car and the road, so be sure to examine the tread for signs of excess wear
“Traction and tread are inextricably linked. The grooves in your tires are critical in helping to channel water away to allow the tire to grip the road,”says Sarah Robinson, Michelin safety expert. “Making sure you’re driving on tires with proper tread can be the difference between avoiding an accident and becoming part of it.”
–Be prepared: Equip your car with an emergency kit, including water, flashlight, blanket, jumper cables, extra windshield wiper fluid, cell phone charger, and emergency phone numbers for roadside assistance, as well as a contact person at your destination.
–Map your route: Check your route in advance and, if possible, plan your trip for times with less traffic. If you are planning to use a map feature on your phone, use the voice component; if you don’t have that, consult a paper map and get a sense of the route before you get behind the wheel.
–Safety first: That means the driver focuses on driving. If you are the driver and need to check your phone, send a message, have a snack, or, tend to a child or pet in the back seat, wait for a rest stop, or if necessary, pull over to the side of the road.
–Watch the weather: Especially during winter holidays, knowing the weather in advance can help you plan to avoid a storm. If conditions are truly dangerous, the smart move is to postpone your trip until the weather improves.
For more information, visit www.MichelinMan.com