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Gail Hoover
4789 Route 309
Center Valley  PA 18034
 Phone: 610-791-4400
Office Phone: 610-791-4400
Cell: 610-217-8136
Fax: 267-354-6890 
gailhoover@aol.com
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Gail Hoover

Gail's Inspirations

How is Your Financial Fitness?

February 6, 2017 1:51 am

The gym isn’t the only area you can work on your fitness. How about your finances? The following financial wellness tips, courtesy of CFP, can help you save more, all year long.

Create a budget: Creating a budget is a simple way to determine how best to spend your money. Start by reconciling last year's expenditures and creating a list of necessary payments. Giving yourself a "cheap month," such as spending $100 a week, can help define your needs. In addition, working with your spouse or partner can help identify a realistic budget and prevent overspending.

Put yourself first: Spending too much on adult children, parents and other family members can jeopardize your long-term financial situation. Having children live within a budget will force more careful spending while teaching a valuable lesson. For adult dependents, spend carefully; you can't take care of others if you haven't taken care of yourself.

Maximize benefits: Take full advantage of your existing benefits package, such as your 401(k) or retirement plan. For a 401(k), make sure to maximize your investment by matching your employer's contribution. If you operate within individual funds, rebalance your 401(k) account periodically. Establishing a dollar cost averaging arrangement – investing set amounts at regular intervals regardless of the financial climate – for a new account, such as a Roth IRA or 529 plans, can also increase your savings.

Know yourself: Many people have chronic issues of overspending or mismanaging debt. Developing smart habits can improve your finances. If you fail to prudently spend with credit cards, cut them up. If you struggle to meet basic payments, round up to the nearest whole number on larger expenses. For example, if your car payment is $375, plan on spending $400 per month.

Big or small, everyone can take steps to improve their financial well-being.  

Source: www.CFP.net  

Published with permission from RISMedia.


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How to Make Your Valentine’s Flowers Last Longer

February 3, 2017 1:45 am

Fresh flowers can brighten anyone’s day – and that goes for men as well as women! Of the 110 million roses purchased each Valentine’s Day, 75 per cent are bought by men, according to Teleflora, one of the largest purveyors of fresh flowers delivered nationwide. But the number of women buying flowers for their loved ones is rising every year.

With proper care, most fresh flowers should last for seven to 10 days. So man or woman, if you receive a bouquet this February 14, revel in the fact that someone loves you – and keep those flowers looking fresh as long as possible by following these five Teleflora tips:

Feed them – That little packet of ‘life extender’ material that comes with so many delivered flowers is mostly composed of sugar. Use it if you have it. If not, add a nourishing teaspoon of sugar or an aspirin (not ibuprofen) to the vase after you fill it with water.

Water them – Fresh flowers drink a lot of water, and some are thirstier than others, so check the water level daily and keep the vase filled.

Nip the stems – Every two or three days, remove each flower and cut off an inch or so of the stem. Cut it an angle to ensure it absorbs the most water and toss out any discolored petals or buds that have fallen below the water line.

Display them in a cool spot – Cut flowers don’t like direct sunlight, so choose your display spot with that in mind.

Refresh them – After three or four days, remove the flowers, rinse the vase and refill it with room temperature water. Add sugar or an aspirin to keep bacteria from growing, and rearrange the flowers in it, discarding any blooms that have wilted.

Published with permission from RISMedia.


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A Total Body Approach to a New You

February 3, 2017 1:45 am

(Family Features)--New Year’s resolutions typically focus on reactive goals like losing weight or getting back into that workout routine. However, thinking about resolutions in a more proactive, long-term way can give you more motivation and the willpower to stick with it.

A commitment to proactive total body care, including these tips from Massage Envy, can keep your body and mind tuned up, allowing you to do more of what you love in 2017 and beyond.

Feel confident by upping your skincare
Skin is an organ – the body’s largest organ, in fact. That’s why it’s so important to pay attention to it. Regular skincare can help you feel good on the outside by reversing signs of aging, improving skin tone and texture, moisturizing skin and reducing blemishes and breakouts, and better on the inside, as feeling good about how your skin looks can boost your confidence.

A daily hydrating moisturizer with SPF does double duty to protect and hydrate. Regular facials that cater to your skin’s unique needs can also help minimize wrinkles, cleanse pores, encourage skin cell renewal and improve overall tone and texture.

Live happier and stress free
The Statistic Brain Research Institute reports that 77 percent of people regularly experience physical symptoms caused by stress. Spending time with friends, meditating and practicing mindfulness can help, but there are also physical ways to soothe stress. A quick walk can do wonders for clearing your head, and a single massage session can lower your heart rate and blood pressure, relax your muscles and increase the production of endorphins, your body's natural "feel good" chemical. Stress relief is one of the benefits of regular massage therapy, and a key component for anyone trying to achieve a lifestyle that gives them the freedom to do more of what they love.

Veg out on the good stuff
A healthy diet can help you maintain a healthy weight, feel good and boost your body’s immunity so you can stay well. Occasionally, indulging your sweet tooth or salty cravings is OK, but to really take care of your body, leading health-focused agencies recommend piling your plate high with colorful fruits and veggies, lean meats like chicken and fish, and whole grains.

If you started off with a commitment to eating better in the New Year, push hard to stick to it. Before long, you’ll find yourself automatically making smarter choices when it comes to mealtime, and when you put good fuel in your body, you get better results.

Source: MassageEnvy.com  

Published with permission from RISMedia.


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3 Things to Say “Yes” to This Year

February 3, 2017 1:45 am

As we struggle through our day-to-day routines, it can feel like we’re stuck in a wheel of negativity. Get out of this slump by saying yes more often. Read on for three things to say “yes!” to this year.

Social time. Your coworker asks you to go to an impromptu happy hour, your childhood friend invites you to a last-minute weekend girl’s getaway, or a mother of your child’s friend invites you in for tea when you had just planned to drop your kid and run. Many of us say no to social invites that our out of our normal routine and comfort zone. But by doing so, we’re closing ourselves off to new experiences and the brain boost that comes from face-to-face time. Say yes to more social invites and you may find your life feels fuller, and more fun.

Giving time. Does your friend need help moving or organizing a charity walk? Say yes when they ask if you can pitch in. Giving back is a great way to boost your spirits, and donating your time is just as valuable as making monetary contributions. The next time you hear of an opportunity to give back, answer with a big fat yes.

Travel time. Leaving the comfort of our own home expands our view of the world and makes us feel more fulfilled. The next time you’re invited on an outing, say yes, and then figure out how you can afford it. Can you sell some of the used items sitting in your basement? Rent out an extra bedroom in your home? Do some pet sitting? Cut back a few luxuries, like that weekly manicure or daily latte? If you commit, you will find a way to make it happen. Of course, it’s important to only commit to things in reason. A long weekend at the beach that may cost $500 is doable. A cruise to Europe that will set you back $3,000? Maybe not so much.

Published with permission from RISMedia.


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Experts Tap Top Anticipated Home Design Trends For 2017

February 3, 2017 1:45 am

I recently reported on a number of cool innovations being presented at the 2017 CES. But the new year also heralds predictions and previews from hundreds of sources about the top home design trends for 2017.
At housebeautiful.com, Brie Dyas is digging mixing antique with modern elements. And she is expecting to see more furnishings scaled or custom made for the space they are intended to occupy to avoid the overstuffed feeling that larger furniture pieces can bring to even large airy spaces.

Heidi Caillier who is based in Seattle tells decorist.com that designers will be promoting much more "maximalism" in 2017. Gone are the super clean, plain, unadorned rooms of the past few years, she says. Lines remain clean but prints are layered in and colors pop. More is more and it's super fun.

Caillier says designers will be seeing green in all tones popping up in small doses such as in accessories and objets and also in larger upholstered pieces.

Kelsey Kloss, writing for elledecor.com, also says cheery shades of green will be everywhere around the home in 2017 as Pantone's Color Of The Year, "Greenery" takes center stage on the design palette representing refreshment and revitalization. She also predicts butterfly motifs - symbolizing grace and optimism - showing up all around the home this year.

Vogue's Monique Valeris syas weaving texture into interior designs will make spaces more inviting as the idea of mixing fabrics and materials will be on the rise. And her sources say that the new year will include an emphasis on uniquely crafted furniture, quirky lighting fixtures, and the natural clean combination of marble and brass will be popping up in both kitchens and baths in 2017.

And finally, Mitchell Parker of the Houzz editorial staff says laundry rooms in particular are seeing more love. Design tricks to bring in more light, smarter storage and better function resonate with homeowners who realize that since they spend a lot of time doing laundry.

Published with permission from RISMedia.


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How to Enhance Your Outdoor Living Space

February 3, 2017 1:45 am

(Family Features)--No matter the season or the region, outdoor living is more popular than ever, as homeowners look to "bring the indoors out" and create spaces that are true extensions of the home. The newest designs in outdoor living spaces do not simply feature the look of the indoors, but the functionality as well.

"Advances in all-weather materials have made it possible for homeowners to enjoy more and more of their favorite activities outside," says Adam Zambanini, vice president of marketing for Trex Company. "The movement toward 'outdoor rooms' has evolved into fully functional outdoor kitchens and entertainment centers that make it even more difficult to determine where the indoors end and the outdoors begin."

Regardless of the size of your deck – or budget – these simple tips from the experts at Trex can add interior function to your outdoor oasis:

Absolute Al Fresco
While grilling and al fresco dining are longtime hallmarks of backyard entertaining, outdoor kitchens are now finally living up to their name. From storing seat cushions to keeping drinks cold, today's outdoor kitchen accessories can make outdoor spaces look as put-together as the rest of the home.

Railing Redefined
Even railings have taken on a more functional role in today's backyards. One of the most popular trends is "cocktail railing," which provides a flat surface for drinks and plates. By using a matching deck board to create a shelf for the top rail, you can achieve a look that complements your home's deck, while making great use of space.

Lights, Please
Lighting is another "bright" idea for adding versatility to the outdoors. Lighting systems that incorporate deck lighting and other exterior lighting work together to create ambiance that can be adjusted for any setting. By choosing which outdoor elements to highlight, it's easy to change the look of an outdoor living space without moving any furniture.

Connection Protection
The idea of enjoying a favorite show or movie outdoors has always been enticing, but not exactly practical. However, with advancements in both equipment and equipment storage, enjoying the big screen experience in the great outdoors has never been easier. Electronics manufacturers now offer televisions and entertainment equipment specifically designed for the outdoors, taking into consideration differences in lighting and outdoor acoustics. Meanwhile, storage options now include durable, wall-mounted television and entertainment centers that beautifully conceal and protect pricey electronics from the elements.

Material Matters
Just because people are spending more time on their decks doesn't mean they're willing to put in extra hours for maintenance. Wood alternatives, particularly wood-plastic composites, are especially popular due to their low-maintenance features. Unlike wood, composite decking resists fading, staining, scratching and mold – and won't rot, warp, crack or splinter. No sanding, staining or painting is required, and food and drink spills wash off easily with soap and water. The latest generation of composite decking also features wood-grain patterns and rich, saturated colors that look and feel more natural than ever before.

Source: trex.com

Published with permission from RISMedia.


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5 Steps For Easy Entertaining

February 3, 2017 1:45 am

(Family Features)--Hosting a large group of family and friends can be overwhelming, especially if entertaining isn’t something you do often. No matter the occasion, these tips can help you avoid common party pitfalls so you can keep the focus on having fun.

Offer an assortment. Rather than attempting to plan the menu around a wide range of likes, dislikes, allergies and other considerations, simply create a menu that satisfies everyone’s cravings. If you’re serving a buffet, provide a mix of hot and cold dishes in a variety of tastes and textures. For a plated meal, offer several robust sides so if the main dish misses the mark for one or two guests, there’s no chance of anyone going hungry.

Create a beverage cart. The kitchen is likely to be a hotbed of activity, but setting up a remote beverage cart can help redirect some of that traffic. A cart or table with multiple shelves is ideal. Stock the cart with an ice bucket and tongs; garnish such as lemons, limes, olives and cherries; and an assortment of glasses. Offer a couple of bottled beers on ice (one light and one with a bolder flavor), at least one white and one red wine, and a couple of liquors that work with a wide array of mixers, such as vodka and rum. Round out the cart with a few mixers, including fruit juice so non-drinkers can enjoy mocktails as well.

Never compromise on wine. Lots of times, guests have wildly different tastes in wine and it can seem impossible to select a couple bottles that everyone will like. If you want to please everyone but worry you’ll end up with a stash of partially poured bottles, there is an alternative to pulling all those corks. The Coravin Wine System lets you serve wine without removing the cork, allowing your guests to pour as much or as little wine as they like (you can save the rest or what’s left for another day).

Plan ahead for refills. Clear as much space as possible in the refrigerator for extras so you can easily replenish anything that runs out. Make extra pitchers of punch, and have bowls of popular items ready to replace as needed. For warm items, use the warming feature on your oven to hold dishes at serving temperatures, or simply leave the oven off and contain the precooked dishes’ warmth.

Remember to enjoy yourself. Your guests can easily sense when you’re frazzled or stressed, so plan ahead and get all your preparations completed well before anyone arrives. Then you’ll be ready to mingle, visit and set a warm and inviting tone for an event that everyone can enjoy.

Source: coravin.com.

Published with permission from RISMedia.


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Want a Better Brain? Get Some Zzzz’s

February 2, 2017 1:45 am

We’ve heard it over and over again, but a new scientific report by the Global Council on Brain Health (GCBH) stresses the relation between getting 7 – 8 hours sleep a day and maintaining your brain’s health as you age.  

While the AARP Sleep and Brain Health Survey found that 99 percent of adults age 50-plus believe that sleep is important for their brain health, more than four in 10 (43 percent) say they don't get enough sleep. Additionally, more than half (54 percent) of adults report they wake up too early in the morning and can't get back to sleep.  

"We know how many questions adults have about how much sleep is enough, and the role that sleep plays in brain health and cognitive function," says Marilyn Albert, Ph.D., GCBH Chair, professor of Neurology and director of the Division of Cognitive Neuroscience at Johns Hopkins University in Baltimore, Md. "This report answers a lot of these questions."

The new recommendations cover a wide range of sleep-related issues, including common factors that can disrupt sleep, symptoms of potential sleep disorders, and prescription medications and over-the-counter (OTC) sleep aids. Based on the scientific evidence, the GCBH report offers the following tips for better sleep:

- Get up at the same time every day, seven days a week.

- Restrict fluids and food three hours before going to bed to help avoid disrupting your sleep to use the bathroom.

- Avoid using OTC medications for sleep because they can have negative side effects, including disrupted sleep quality and impaired cognitive functioning.

- Dietary supplements such as melatonin may have benefits for some people, but scientific evidence on their effectiveness is inconclusive. Be particularly cautious of melatonin use with dementia patients.

- Avoid long naps; if you must nap, limit it to 30 minutes in the early afternoon.

I hope you found this information helpful. For more helpful tips, contact me today!

Published with permission from RISMedia.


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5 Ways to Protect Your Family in 2017

February 2, 2017 1:45 am

(Family Features)--Protecting your family and loved ones is one of your most important responsibilities. Many people think It is dif cult to protect loved ones if you are not healthy about protection in terms of physical acts, such as yourself. Make sure you receive proper preventive care, practicing safe driving, but there are many more such as regular health screenings and check-ups that are aspects of your lifestyle and home that affect your loved recommended for your gender and age. Find a checklist of ones’ safety.

Protect your family’s financial health

Although it can be painful to consider, your untimely death may leave your family reeling. Life insurance can help cover funeral costs, child care or act as income replacement. It can also help pay off any loans you’ve accrued, such as a home mortgage, car payment, credit card debt or student loans.

Ensure your family is breathing safe air

One threat you may not be aware of is radon, a radioactive gas that occurs naturally in the environment but can create significant health consequences in anyone exposed to unsafe levels.

Radon is an odorless, colorless and tasteless gas that can go undetected in homes until it is too late. According to the U.S. Environmental Protection Agency, radon is the leading cause of lung cancer deaths among non-smokers in America, and claims the lives of nearly 21,000 Americans each year.

Protect the home of your loved ones

There are over 2 million burglaries annually in the United States, according to FBI statistics. Home security systems can help put your mind at ease, and having a security system can also decrease the premiums you pay for monthly homeowner’s insurance. Studies have shown that homes with a security system see a 39 percent decrease in financial loss compared to homes with no security system.

Safeguard your family from hazards

The National Fire Protection Association estimates that two-thirds of home related deaths result from homes with either no smoke alarms or non-working smoke alarms. Batteries wear out and may be taken out to cease persistent beeping then never replaced. Smoke alarms should be in every bedroom, outside every sleeping area and on each level of your home.

Source: MyExamOne.com.

Published with permission from RISMedia.


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3 Communication Tips to Help You Listen Better

February 2, 2017 1:45 am

Are you having trouble communicating with your partner, friends, or colleagues? Do you forget what your friend just told you only minutes after the conversation ended. In a world geared toward multitasking, it can be hard to drop fully into a conversation and just listen. Below are three tips to help you be more present in your conversations.

Ask questions. Don’t just smile and nod. Make your conversation partner feel more heard by asking questions that are relative to what they’re saying. Ask for more details to dig deeper and listen fully.

Repeat what you heard. Every few minutes, repeat what you heard so you know you’re retaining prevalent information. This will also help you avoid accidental miscommunications.

Wait to offer a solution. When we’re listening to a friend with a problem, our go-to response is often to fill silence with a solution. But sometimes, people just need to feel heard and understand. You can even ask your friend if they’re looking for a solution or just space to vent.

Published with permission from RISMedia.


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