Conquer Change: Make Shift Happen in Your Personal and Business Life

In business, there is a new mantra — “Shift happens.” For example, what would you do with a railroad boxcar full of Chef Boyardee pasta sauce?

“You just spent $5,000, which you did not have, to purchase something you did not need, in a boxcar you could not move. And you think you have problems?” recounts Jim Feldman, keynote speaker, ongoing entrepreneur and author of “Shift Happens: No Job, No Money, Now What?”

This is one of many unpredictable “You did what?” kinds of scenarios you can expect from the book by Feldman, a person who turned his first profit at the tender age of seven, realizing that critical thinking and problem solving weren’t just for grade school.

Lend a Helping Hand for Social Change in 2012

Political unrest, environmental crises and economic challenges on a global scale practically defined 2011. The Arab Spring ousted three iron-fisted rulers, a deadly earthquake led to mass radiation exposure in Japan and Occupy Wall Street emerged to be a historical, internationally united protest. The year 2011 seized the idea of social change and ran with it.

Medicare Open Enrollment Is Earlier This Year

(NewsUSA) – Your health needs change from year to year. Plus, your health plan may change the benefits and costs each year, too. That’s why it’s important to evaluate your Medicare choices every year. Open Enrollment is the one time of year when all people with Medicare can see what new benefits Medicare has to offer and make changes to their coverage.There’s never been a better time to check out Medicare coverage. There are new benefits available for all people with Medicare — whether you choose Original Medicare or a Medicare Advantage plan — including lower prescription costs, wellness visits and preventive care. Take advantage of Open Enrollment, and you may be able to save money, get better coverage or both.You may be wondering, what is the benefit of having an earlier enrollment period?Starting this year, Open Enrollment starts earlier, Oct. 15, and lasts longer (7 full weeks) to give you enough time to review and make changes to your coverage. Also starting this year, you will need to make your final selection for next year’s Medicare coverage by Dec. 7. This change ensures that Medicare has enough time to process your choice, so your coverage can begin without interruption on Jan. 1.It’s worthwhile to take the time to review and compare, but you don’t have to do it alone. If you typically use the December holidays to discuss health care options with family or friends, plan now to move that conversation earlier. And remember that Medicare is available to help.Take a look at to compare your current coverage with all of the options that are available in your area, and enroll in a new plan if you decide to make a change. Call 1-800-MEDICARE (1-800-633-4227) 24-hours a day, 7 days a week to find out more about your coverage options. TTY users should call 1-877-486-2048.Review the Medicare & You 2012 handbook. It is mailed to people with Medicare in September. Get one-on-one help from your State Health Insurance Assistance Program (SHIP). Visit or call 1-800-MEDICARE to get the phone number.   This message is brought to you by the U.S. Department of Health & Human Services.

The New School Year Has Begun! Talk to Your Teens About Vehicle Maintenance

We all remember that amazing feeling of freedom our first car gave us. As our teens head back to school this fall, Firestone Complete Auto Care encourages parents to take a few deep breaths and be sure to go over, not only in-vehicle safety, but also vehicle maintenance procedures so their teens can have that “new car” freedom by keeping their vehicle running newer, longer.

•    Change the engine oil. Use the recommended grade of oil, and change it according to your owner’s manual, usually every three months or 3,000 miles. Prolonged driving without an oil change may cause severe engine damage.

A Change in Lighting Helps Aging Eyesight

Everyone experiences changes in their eyesight as they age. For many, it means buying reading glasses to read a menu, newspaper or other small print. According to the American Lighting Association (ALA), changing the lighting in your surroundings can go a long way to enhance reading ability and increase comfort.

“Often, the first thing people notice as they get older is their loss of ability to see distance,” notes Terry McGowan, director of engineering & technology for ALA and owner of Lighting Ideas in Cleveland. “That happens around age 45 and is called presbyopia. By 60, most people have a ‘fixed focus’ optical system and need glasses. After age 60, eye and visual system changes accelerate, so that less light reaches the eye. Therefore,” McGowan says, “people need more light to see details as they age.”

Every Car Needs a Little TLC ? How to Maximize Vehicle Life

Five words or less(NewsUSA) – During the winter months, cold weather gives way to the warm, fuzzy feelings brought on by the presence of that certain special someone. But it’s not just your significant other that deserves attention — your hard-working vehicle needs some extra TLC as well. Tires Plus offers a few tips to keep your vehicle running strong:
* Listen to each other. Keep your engine properly tuned. A vehicle that has a serious maintenance problem, such as a faulty oxygen sensor, can decrease gas mileage by as much as 40 percent. A single misfiring spark plug can cut fuel economy by up to 4 percent.
* Keep your vehicle refreshed. Change the engine oil. Use the recommended grade of motor oil for your vehicle, and change it according to your vehicle owner’s manual, which usually says every three months or 3,000 miles. Prolonged driving without an oil change may cause severe engine damage. Regularly check your vehicle’s fluid levels, including transmission, power steering, windshield washer and coolant.
* Keep in constant contact. Maintain your tires. Check inflation pressure monthly, and make sure your tires are properly balanced. Don’t forget to rotate your tires according to the maintenance schedule and have the alignment checked at least once a year.
* Be considerate. Use good driving habits. Accelerating quickly and stopping abruptly can prematurely wear your vehicle’s engine, transmission, tires and brakes. Aggressive driving also wastes gas.
* Protect it from the elements. Keep the exterior washed and waxed to preserve the paint finish and protect your vehicle from the environment. Salt, water, sand and even de-icing chemicals on the road can cause rust or other damage to a vehicle.
Every relationship takes work, even the one you have with your car. Never underestimate how far a little tender loving care toward your vehicle can go!

Remember Your Vehicle This Thanksgiving

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<p>(<a href=NewsUSA) – We don’t always realize just how important our vehicles are to our everyday lives. Our cars get us to work, drop our kids off at school, help us transport groceries and take us on road trips. Without our cars, trucks and SUVs, many of us couldn’t complete our everyday tasks or make ends meet.

This holiday season, consider getting a vehicle inspection and tune-up. Not only can a tune-up help keep your vehicle running longer, it can help you save money.

Experts at Firestone Complete Auto Care recommend the following tips to maximize the life of your vehicle:

– Change the engine oil. Use the recommended grade of oil for your vehicle, and change it according to your vehicle owner’s manual. Prolonged driving without an oil change may cause severe engine damage.

– Check and replace the air filter regularly. Air filters keep impurities from damaging the inside of your engine. Not only can replacing a partially clogged filter help improve gas mileage, it can help protect your engine.

– Maintain your tires. Check the tire inflation pressure and tread depth monthly, make sure your tires are properly balanced, rotate the tires according to the maintenance schedule and have the alignment checked at least once per year.

– Check your vehicle’s fluid levels. Check the transmission, brake, power steering and windshield washer fluids and coolant to make sure they’re filled to the proper levels.

– Establish a relationship with a trusted service center. Get your vehicle inspected and serviced regularly by a professional — look for the ASE logo. Keep records of all completed work, because if you ever sell your vehicle, records can help raise its market value.

Regular vehicle inspections and maintenance can go a long way toward maximizing the life of your vehicle and staying safer on the road. Treat your vehicle to a tune-up this Thanksgiving.