A Decade Later, Economic Crisis Still Hitting Middle-Income Boomers

Five words or less(NewsUSA) – Ten years after the U.S. financial crisis of 2007, a survey from the Bankers Life Center for a Secure Retirement found that middle-income boomers feel less than secure about their financial future, with almost 100 percent surveyed saying the economy has not fully recovered, and 65 percent believing they have not personally benefitted at all from any recovery.

Prior to the economic crash, many baby boomers had a clear vision of their retirement, but now say in all likelihood they will not be as financially independent as they once thought. Fortunately, resources from organizations such as Bankers Life can help middle-income boomers better plan for retirement with useful tips and how-to’s, because no one should have to choose between having to pay for long-term care and buying groceries.

Ladder Safety Should Be Tops for Home Improvers

Five words or less(NewsUSA) -As the warm weather of spring and summer arrives, ambitious and well-intentioned homeowners embark on cleaning, maintenance, and improvement projects that often involve roofs, gutters, and ladders. However, working on a ladder can be dangerous.
Consider this: every year, approximately 164,000 people visit emergency rooms in the United States because of ladder accidents, according to data from the World Health Organization.
Underscoring the fact that lack of knowledge about ladder safety is a growing problem are recent survey results published in the American Journal of Preventive Medicine which found that the number of ladder-related injuries in the United States has increased by more than 50 percent in 15 years.
Professionals and nonprofessionals alike can benefit by keeping some safety tips in mind, courtesy of the Consumer Product Safety Commission:
-Stand firm. When positioning a ladder anywhere around your home, be sure to place it level on firm ground.
-Have a partner, but go solo. When climbing a ladder, have another person with you to hold the lower end for extra safety and support. However, only one person at a time should be on a ladder so it doesn’t become top-heavy and fall over.
-Don’t go to the top. Never stand on the top rung of a ladder, and don’t reach from a ladder. Instead, climb down and move the ladder to the location of your choice.
-Watch for doors. Never place a ladder near a door that can be opened; an unexpected exit could lead to a ladder accident.
-Be shoe smart. Wear shoes with clean, dry soles when working on ladders. Avoid sandals or flip flops.
Most importantly, don’t forget the rule of three: According to the American Ladder Institute, the “Three Points of Contact” rule means keeping either two hands and one foot or two feet and one hand in contact with the steps, rungs, or side rails of a ladder at all times to reduce chances of a slip or fall.
Gutter cleaning and maintenance are among the highest risk activities for ladder injuries. One option to reduce the risk is to install rain dispersal gutters that don’t require routine cleaning.
Products such as the Rainhandler Rain Dispersal system are engineered to keep leaves and debris out of gutters.
Visit www.rainhandler.com for more information about how the right gutter management can simplify home maintenance.

Summer Snack Hacks: Three Creative Tips for Simple Summer Snacking

Five words or less(NewsUSA) – School’s out for the summer, which means family fun time and hungry kids home all day. From camp lunches to days by the pool — and all of those lazy days in between — kids have one thing on their minds: snacks. To assemble the perfect snack and keep kids satisfied and smiling throughout the warmer months, follow this simple guide.
* Involve Kids in the Kitchen: All those years of cooking for the kids will soon come to an end when you enlist them as mini-master sous chefs. Whether your kids are two or 10, they’ll love learning and creating their own concoctions. Fruit skewers made from fresh fruit and toothpicks or straws make for the perfect teaching opportunity. Have your kids rinse strawberries, grapes and any other desired fruit, and slide them onto a colorful straw. For a frozen treat to beat the summer heat, pop them in the freezer for a few minutes before watching your kids enjoy their own creative snack creations.
* Colorful Creations: Hungry kids are grumpy kids, and grumpy kids tend to be unhappy. The best way to keep your kids happy is to feed them well. A proper snack time means an array of options, and something for everyone. By presenting snacks in a creative way, kids will get to choose what they want to eat, providing an increased sense of individuality. Try separating dry snacks from fruit and veggie bites to present a colorful spread.
If you’re looking to add that mid-day protein boost for a sluggish kid, a great healthy option is Deli Snackers from Land O’Frost, a baked meat snack made from high-quality, oven-roasted meats. This convenient and flavorful choice offers more than 10 grams of nourishing protein per serving with less than 400 mg of sodium, making it the perfect treat to pair with crackers and cheese cubes to appeal to the pickiest eater.
* Tasty Twist: Instead of those sugar-loaded popsicles that often spark temper tantrums after the inevitable sugar crash, consider making DIY popsicles. These frozen treats will eliminate the added sugar, while still providing the juicy, refreshing dessert your kids crave. Pop your favorite juice and fruit mixture into a blender, freeze until solid and serve to the kids guilt-free.
With these simple tricks in mind, grab the kids and get ready for a summer filled with simple snacking. For coupons and more information about Land O’Frost, visit www.landofrost.com.

Esta prueba de huella para los neumU+00E1ticos, Easy Tire, sU+00F3lo cuesta un centavo

Five words or less(NewsUSA) – Los neumU+00E1ticos pueden no ser la primera cosa que usted nota cuando mira un automU+00F3vil, sin embargo puede ser el elemento mU+00E1s 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 neumU+00E1ticos los que detienen el auto, y ése es el porqué mantenerlos es absolutamente delicado. Afortunadamente, uno de los chequeos de neumU+00E1ticos mU+00E1s importantes no le costarU+00E1 mU+00E1s de un centavo!
Una vez al mes, o antes de dirigirse a un largo viaje por carretera, revise sus neumU+00E1ticos para verificar el desgaste y cualquier daño usando “la prueba del centavo”. SU+00F3lo tome un centavo y seleccione un punto en su neumU+00E1tico donde la banda de rodadura aparece mU+00E1s 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 estU+00E1 cubierta por la banda de rodadura, usted estU+00E1 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 neumU+00E1ticos nuevos.
“La tracciU+00F3n y la banda de rodadura estU+00E1n inextricablemente unidas. Las ranuras en su neumU+00E1tico son fundamentales para ayudar a levantar el agua y permitir que el neumU+00E1tico se agarre la carretera”, dice Sarah Robinson, experta en seguridad de Michelin. “Asegurarse de que estU+00E1 conduciendo con neumU+00E1ticos 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 neumU+00E1ticos nuevos, considere estos dos factores en primer lugar:
1. Seguridad: La mayoría de los neumU+00E1ticos funcionan bien en situaciones cotidianas, pero en condiciones difíciles revelarU+00E1n sus diferencias. Elija neumU+00E1ticos que puedan funcionar bien en los peores tipos de clima o carreteras que encuentre. Por ejemplo, si usted vive en una regiU+00F3n con fuertes nevadas intensas e inviernos fríos, considere neumU+00E1ticos de invierno durante parte del año. La diferencia puede ser enorme.
2. Valor: Es importante recordar que no todos los neumU+00E1ticos son iguales. Los neumU+00E1ticos pueden parecer un gasto adicional al mantenimiento general del automU+00F3vil, pero invertir en neumU+00E1ticos de calidad conocidos por un rendimiento duradero, como Michelin Defender con su garantía de 80 000 millas, le ahorrarU+00E1 dinero con el tiempo a medida que sus neumU+00E1ticos no necesita ser reemplazados tan rU+00E1pidamente.
Para obtener mU+00E1s informaciU+00F3n, visite www.MichelinMan.com

How Ethanol Can Impact Your Engine

Five words or less(NewsUSA) – When consumers fill their tanks at the gas station, they will see signs reading “may contain 10 percent Ethanol. However, many don’t know what this means or how it can affect their engine performance. Ethanol-blended fuel has become standard in the United States, and the Environmental Protection Agency recently mandated an increase in the amount of ethanol added to fuel;, meaning, it is even more important that consumers understand the pros and cons of Ethanol.
Ethanol is a biofuel distilled from corn and sugar that has many benefits, including reducing greenhouse emissions and lowering the cost of fuel at the pump.
However, ethanol-blended fuel can also have negative side effects on your car, boat and small engines, such as lawnmowers and snowblowers, over time. Some signs that ethanol is affecting your engine’s performance include:
* Efficiency: Ethanol-blended fuel’s lower energy efficiency may reduce fuel economy of your engine.
* Stalling: Ethanol can cause engine stalling if the water in the ethanol separates from the gasoline and floods the engine. This problem is most likely in engines that sit unused for long periods of time.
* Corrosion: Ethanol can contribute to corrosion of fuel tanks and other components, and the risk is even greater with small engines with aluminum parts.
* Clogging: Ethanol can loosen debris in the fuel line that leads to clogs.
Fortunately, there are several easy things you can do to help protect your engine from ethanol-related side effects.
Treatment: Using a non-alcohol based fuel stabilizer and treatment product, such as STA-BIL 360 Performance, can help protect gas-powered engines. A stabilizer may be especially beneficial for engines that sit for long periods without starting. Stabilizers are designed to absorb the excess water that may be present if ethanol begins to separate from gasoline and protect the insides of the fuel tank and parts.
Turn it on: Start up your stored classic car, boat and seasonal equipment, such as lawn mowers or snow blowers a few times during the off-season months to make sure they are running smoothly.
Tank it up: Cars, lawn mowers, snow blowers, boats, and other gasoline-powered tools and vehicles should keep their tanks at 95 percent full with fuel, and add a fuel stabilizer if they are tosit unused for a long time. This strategy helps prevent condensation while allowing room for expansion in warmer weather.
Trust your source: Buy fuel from a reputable gas station. A station with a quick turnover of their products helps ensure that the gasoline is fresh.
Test the lines: Rubber fuel lines dating from before the mid-1980’s should be inspected. These lines may not be compatible with ethanol-blended fuel, and may need to be replaced.
For more information about protecting your engine, visit www.sta-bil.com.

Four-Wheel Fans Care for Trails

Five words or less(NewsUSA) – A foursome of four-wheel drive clubs are the winners of the 2016 Outstanding Trails Program sponsored by BFGoodrich Tires, in partnership with 4 Wheel Parts, United Four Wheel Drive Associations, Blue Ribbon Coalition, and Off Road Business Association.
The clubs and their nominated trails are:
-Mile-Hi Jeep Club: Sidewinder Trail, Colorado
-Ohio River Four Wheelers: Daniel Boone Backcountry Byway, Kentucky
-Grand Mesa Jeep Club: 21 Road, Grand Junction, Colorado
-Piston’s Wild Motorsports Club: Hagen Creek Trail, Yacolt Burn State Forest, Washington
The Outstanding Trails program, now in its 11th year, was created to promote trail conservation and responsible off-road driving. The program invites off-road clubs from all over North America to nominate local trails that need maintenance or improvement. A panel of judges chooses the winning clubs and trails, which are selected based on unique features, terrain, and club support.
The four off-road clubs chosen each year receive grants of $4,000 each to use for local efforts to preserve and protect their hometown trails. In addition, representatives from BFGoodrich Tires will attend club events related to the winning trails in order to highlight each location’s unique features and educate four-wheel drive fans in responsible trail use.
“The saying goes, ‘where the rubber meets the road,’ and at BFGoodrich, not only do we take that to heart, but we also believe that where the rubber meets the trail is equally important, and that starts with the All-Terrain T/A KO2 tire,” says BFGoodrich’s Oscar Pereda. “In our first ten years of the Outstanding Trails program, we have helped to improve, repair, maintain, and protect nearly 50 trails in 17 states and two Canadian provinces.”
Each of the winning clubs has plans to improve and maintain their local trails. One in particular has taken conservation a step beyond the trail itself to include animals that live there. The Grand Mesa Jeep Club “has adopted the 21 Road Trail and other local trails and is committed to its protection and maintenance,” according to club president Jeff Bates. But the club has adopted not only the road, but also the Great Basin Spadefoot Toad (also known as the “21 Road Toad”), a threatened species in the area. “The club has committed to protecting the toad’s habitat in at least three areas along the trail with posts and cable,” Bates says.
Visit bfgoodrichtires.com for more information.

Which Home Upgrades Really Pay Off?

(NewsUSA) – Sponsored by GAF – If you don’t care about blowing tens of thousands of dollars on upgrades that add little or nothing to your house’s value, you might as well stop reading this and go Google "Pokemon Go" for updates on the latest weird mishaps to befall distracted players. But if you do care — and you’d especially better if you intend to ever sell — then Remodeling magazine’s annual Cost vs. Value Report for 2016 is must reading.Still there? Thought so.So let’s begin by acknowledging what’s perhaps the report’s biggest takeaway: All the academics and real-estate pros are right to "tout the value of projects that promote curb appeal." Read on to see why, and where else your money is or isn’t well spent.* Worth it: a new front door.You’re looking at returns on investment of 91.1 percent for a steel one and 82.3 percent for a more upscale (and expensive) fiberglass one. Of course, a fresh coat of paint on your existing door can help spiff things up too.* Not worth it: upscale bathroom remodeling.You may think everyone shares your dream of a huge bathroom with a whirlpool tub, heated towel bars, and stone countertops. Not so, warns Patsy O’Neill, a sales associate with Sotheby’s in Montclair, New Jersey: "You could spend $60,000 or so on it, and it still might not suit a buyer’s taste." Which helps explain why it has one of the worst returns on investment.* Worth it: fiberglass attic insulation.A huge win for greenies. The magazine finally agreed to add an energy-efficiency project, and it topped the list by recouping 116.9 percent of its cost.* Not worth it: composite deck addition.Another also-ran — and, no, Alaska didn’t skew the results. But be aware that sometimes even the seemingly coolest upgrades may simply be out of whack for a particular neighborhood. "You can turn your house into a palace, but the payoff will be small if it’s the only mansion on the block," Craig Webb, Remodeling’s editor-in-chief, tells Time.com.* Worth it: a new roof."Buyers pay a premium for one already in place," according to Credit.com. No kidding. A perennial Remodeling magazine A-lister, it’s the ultimate curb appeal enhancer when you consider that your roof is the first thing prospective buyers notice even before exiting their cars.And if yours looks like something out of "Twister"? "It’s a huge turn-off," says O’Neill, "and makes buyers predisposed to find even more things they don’t like." If your roof needs replacing, check out the Value Collection Lifetime Designer Shingles from GAF (gaf.com), North America’s largest roofing manufacturer, which have the look of luxury shingles at a very affordable price. And remember: Don’t be afraid to use a new roof as the "negotiating tool" with buyers that Credit.com says it is.Watch the video here.* Not worth it: an upscale master suite.Those same "taste" issues aside, returns of only about half your investment make this yet another expensive miss. 

How to Avoid Neck and Back Pain from Backpacks

happy childrens group in schoold have fun and learning leassos

If you’re like most parents, you remember sending your kindergartener off to school with a backpack bigger than they were. While your child may be able to shoulder it, students are now weighed down more than ever by these cumbersome packs.

Which is why, say experts, more kids than ever before are complaining about back and neck pain. With school starting up again, a likely reason for the complaints is the heavy load they’re carrying (and we’re not talking about classes), with everything from textbooks to laptops to musical instruments crammed inside.

Want to Fly a Jet or Perform Surgery? Florida’s Virtual Classrooms Make It Possible

(NewsUSA) – Sponsored News – Florida has always been known for its white-sand beaches and palm trees. Now, however, the Sunshine State is being recognized as the next high-tech corridor for modeling, simulation and training (MS&T).To understand what this means from a real-world perspective, consider this: If you’ve ever flown on a major airline, the pilot has most likely logged hundreds of hours in a simulator. Requiring emergency health care? You can bet the doctor has honed their life-saving skills inside a virtual emergency room.At the heart of it all is the National Center for Simulation, a nonprofit trade association, and the University of Central Florida’s Institute for Simulation Training. Both are located in a 1,000-plus-acre research park in Central Florida. The research park is also home to more than 100 companies, the majority of which are related to MS&T, including Lockheed Martin, which helped develop the park along with the Dept. of Defense; and Cole Engineering, an engineering and technology company that develops simulation-based training and offers technical services to a variety of clients.For Lt. General Tom Baptiste, USAF (Ret.), president and CEO of the association, the merit of MS&T — especially for the nation’s military — is indefinable."To be able to immerse single or groups of soldiers and [allow them to] move through a city in a virtual environment and create what they would do on a live range in a space no bigger than a classroom is important for all branches of the service," said Baptiste.At a time of economic uncertainty and budget cuts, being able to send students or professionals through real-life scenarios without the huge price tag is yet another benefit."In an austere budget environment, one of the big challenges for combatant commanders is to maintain the readiness of the force with less money," Baptiste told Florida Trend magazine in an interview. "And simulation in many ways is a safety valve, a stopgap that is part of the solution. It’s a cost-effective alternative to high-cost live training."So whether the innovation occurs on the high-tech corridor in Central Florida, in medical simulation technology in Northeast Florida, or in flight simulators and commercial aviation training in South Florida, the state has built an $11.6 billion business on MS&T, an industry that shows no signs of slowing down any time soon.For more information, visit www.simulationinformation.com

How to Prevent Mosquito Bites

(NewsUSA) – Sponsored News – Across the country, families are taking advantage of the warmer weather by spending more quality time outdoors. This year, as families prepare to host a variety of outdoor gatherings, mosquito prevention and protecting against mosquito bites should be top of mind.Mosquitoes transmit numerous diseases and are often described as one of the deadliest animals on the planet. This year, the Zika virus has made the mainstream news and has become a cause for public concern, especially for women who are or planning to become pregnant. As it is unknown how Zika will spread, particularly in the U.S., practicing caution is warranted."Proactivity and public cooperation are huge components of mosquito prevention," said Cindy Mannes, vice president of public affairs at the National Pest Management Association. "Homeowners play an important role in helping to reduce mosquito populations and can work to eliminate mosquito breeding grounds throughout the season."Fortunately, there are several important measures the American public can take in protecting against the diseases transmitted by mosquitoes. The NPMA is urging homeowners to help in eliminate mosquito breeding grounds on their properties and practice vigilance in wearing proper attire to protect against bites:* Remove all sources of stagnant water. Standing water can be found in areas such as gutters, buckets, flowerpots and bird baths. Mosquitoes only need 1/2 inch of standing water to breed, so it is essential to minimize these areas to reduce offspring.* Wear an insect repellent containing DEET or another EPA-registered ingredient to help prevent mosquito bites. The NPMA, in partnership with the CDC, developed an instructional video on how to properly apply insect repellent.* Minimize outside activity between dusk and dawn, when mosquitoes are most active. Also take proactive measures during the day to protect against daytime biters like the Asian tiger mosquito, the main carrier of Zika.* When outdoors, wear long-sleeve shirts, long pants, socks and closed-toe shoes.* When hosting guests outside, keep the air moving. Using a fan where you and your guests may lounge makes it less likely mosquitoes will land on you. These pests are not strong fliers, so circulating air can make an outside gathering more pleasant.By following these tips and actively working to prevent mosquitoes on the home front, you will help reduce the risk of you and your family getting bitten by mosquitoes this season.