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Why an HSA should probably be in your investment portfolio

Wooden blocks with the word HSA and money bag with stethoscope. Health savings account. Health care. Health insurance. Investments. Tax-free medical expenses. Coins and dollar sign. Red heartHow to Be HSA-Savvy They may be only one letter apart, but an HSA (health savings account) and FSA (flexible spending account) are different animals that need different care—and an HSA offers so much more than most people realize. People with high-deductible health insurance plans may qualify for a health savings account, which allows you to put pre-tax income into a savings account to be put toward medical care costs down the road. Unlike an FSA, there’s no deadline for using the money—you could save it for years, even past retirement—and it’s not tied to a specific employer. You take read more...

Maintaining Beautiful Wood Floors

Maintenance is the key to beautiful hardwood floors Wood floors can help make a home feel warm and inviting, and they’re always a big selling point. Like any natural material, though, wood needs some special care to ensure it maintains its good looks for decades. Dust acts like sandpaper the second you walk on it. Sweep regularly to keep dust at bay. And always sweep before using a spray cleaner. Put an extra layer of protection in high-traffic or high-impact areas, including padded discs under furniture legs. On dining room chairs that drag on the floor regularly, change the pads read more...

4 Family Travel Survival Tips

Travel by car family together brother and sister sitting in a trunkMake Family Trips a Success Studies show that traveling with family members can strengthen family bonds—but that only works if you’re not arguing the whole time. Here are a few tips to ensure your next family adventure is more fun than frustration. Get everyone involved in the planning process. Find books geared toward every age group that are set in your vacation destination or activity books designed for little ones traveling there. The latter may include scavenger hunts and language lessons to keep kids engaged throughout the trip. Allocate extra time to get from place to place. It always takes longer read more...

Could Your Midnight Snack Be Causing Insomnia?

Man eating at night next to refrigeratorHere's What to Snack on Instead Midnight snacks are not to blame for weight gain—at least not simply because of when they’re eaten. Research says it’s the overall daily consumption of calories to keep an eye on, but that doesn’t mean all late-night snacks are created equally. Snacking in addition to meals too often can be negative for your overall health, but there are some snacks that can hinder your ability to get a good night’s sleep. Here are some things not to eat before bed—and some substitutions to keep handy instead. Instead of ... ...Eat This Ice Cream                              Yogurt: read more...

How to Prepare for a Senior Moving Into Your Home

 Getting Your Home Ready for a Senior When it is time to move an aging relative into your home, safety should be your main concern. However, you also have to learn to respect that part of your home is now their space, and that means things might have to change. From creating a step-free entryway to figuring out where to store the stuff they can’t leave behind, there’s a lot of work to do before they make the move. Here are a few tips to get your home ready for its new occupant. Carve Out a Space Just for Them read more...

Critical Home Seller Mistakes and How to Avoid Them

 Avoid These Oversights Selling your home is one of the biggest decisions you can make and once you’ve decided that it’s time to leave your current house, you’ll likely have a long list of concerns to attend to. With so much to keep in mind, it’s possible you might make a mistake here and there. Here are the issues you need to keep in mind when selling a home.  Leaving the Kids Out of the Conversation Although selling your home may feel like more than child’s play, it’s important to remember that your kids are also a part of the read more...

Top Weekend Projects to Increase Resale Value

lego home improvement projects5 Weekend Projects to get Top Dollar for Your Home Whether you plan to sell your home soon or in the distant future, you’ll want to sell it quickly and for the best possible price. To make this happen, you may need to increase the resale value of your home. Some projects, like replacing a roof or siding, can be quite costly and require professionals to complete. Fortunately, there are ways to increase the value of your home without spending a lot of money. One simple change in your home décor could make all the difference to a buyer. Before read more...

Finances for First-Time Parents

What to Plan for Financially when You're Expecting Most of us know someone expecting baby number one. Or maybe it’s you! For a lot of new parents, finances are not the biggest priority. Planning ahead can make the first year easier so you don’t have to think about money. Instead, you can spend the time enjoying your new, expanded family.  To avoid the stress of unexpected costs associated with your newborn and to create a secure financial future, there are some steps you can take to make sure you stay on track. Understand the health costs of having your child Check read more...

Is the Commute Making You Sick?

commute making you sickCommutes can be hard on your body, is yours have a negative impact? The average commute for Americans is 26 minutes to and from work each day, adding up to 200 hours per year. For some, a commute can be over an hour each direction in highly populated cities such as New York. Whether you’re traveling by car, bus, train, or subway, research has found that stressful commutes are associated with a wide range of health problems that impact us physically and mentally: Increased blood pressure, cholesterol, and blood sugar from traveling and long days.  Solution: Ask your boss to work read more...

Painting Tips: Make Rooms Look Larger

Size Up the Room with Paint Small rooms can present a challenge to decorate, but don’t overlook these paint tricks you can use to make the room feel bigger: Use light colors or bright colors. White or off-white gives the illusion of a bigger space and reflects light within the room, especially if you add contrasting colors of accessories to the room. Bright, clean colors have the same effect - try violet, or yellow. Paint your trim in lighter colors than the wall paint. This adds more depth and dimension to a room, making it feel larger. Try a monochromatic read more...