5 tips for caregivers to take care of themselves too

2019-02-01T15:29:00

(BPT) – According to AARP, more than 40 million people in the United States are providing care for an older or aging loved one — and 7 million of us are Latinos. That doesn’t come as any surprise to members of our community. It’s simply what we do for family. For many, caregiving starts with simple errands and to-do items, like scheduling a doctor’s appointment or helping out with grocery shopping, and then expands to more responsibilities over time. It’s a beautiful thing to do what we can for the people we love, but there are also moments when we can feel worn out or stretched too thin.

When you look at the numbers, it’s clear how hard we’re working. Nearly 7 in 10 Latino caregivers work outside the home. One in three provide more than 40 hours of care to loved ones each week. You do the math. It doesn’t add up to much time for the “life” side of a caregiver’s work-life balance.

That’s why AARP and the Ad Council started a Caregiver Assistance campaign to offer information and free online resources for caregivers. On AARP’s Family Caregiving site, there are wellness tips, planning resources, financial guidance and Care Guides tailored to specific topics and challenges, such as caring for a loved one with dementia. It also includes self-care tips and advice for caregivers.

Throughout my own caregiving experience, here are some helpful tips I’ve learned along the way:

Care for yourself. You cannot care for your loved ones unless you care for yourself. It’s important, not only to your mental well-being, but your physical well-being, too. Caregivers have a higher-than-normal rate of getting sick, and are oftentimes so depleted that they can’t care for either their loved one or themselves. Look after your own health by eating well-balanced meals, exercising, getting enough sleep and taking time off.

Stay organized with handy tools. You’re probably already an expert at organizing documents and medical cards, insurance papers and everything else. Make your life a little easier by leaning on free resources that can help you keep everything together! There are a ton available for your needs on AARP’s Family Caregiving site.

Remember to laugh. Caring for someone with significant impairments or illness can be difficult emotionally, but laughter and lightness can exist there, too. Joke with your loved one — he or she is still the same person inside — and try to be amused by the little things.

Make future plans. When a loved one you’ve been caring for passes away, it can come as a shock. You might feel like your purpose is gone and this can exacerbate the grieving process. Planning for the future will help relieve that shock for you, even if the plans aren’t concrete. Dream about the exciting roads ahead, and keep in mind all the incredible ways you’ve learned and grown through caregiving.

Accept help. Whether it’s from other family members or outside sources, help is critical to caregivers. Start with the free resources that AARP can offer you at aarp.org/cuidar (Spanish) and aarp.org/caregiving (English) or feel free to call the hotline: 1-888-971-2013 (Spanish) or 1-877-333-5885 (English).

Elluz Peraza is the community specialist and radio show host and producer for CV Global. She provides care for her 100-year-old mother, who lives with her. Peraza is a former actress and was Miss Venezuela 1976.


Real estate financing: The 3 main factors lenders consider

2019-03-07T07:39:00

(BPT) – Sponsored ad content from Vanderbilt Mortgage and Finance, Inc.

Buying a new home is an exciting milestone. While finding the right home is essential, the most important step toward homeownership is making sure you’re ready to apply for a home loan.

Applying for a mortgage is not something people do every day, so it’s natural to have questions. There are several factors that help determine a loan decision, along with strategies you can follow to help position yourself for the best loan at the best rates.

Angela Patterson, Vanderbilt Mortgage director of Credit and Credit Services, explains the three factors that have the biggest influence on any loan decision.

Credit

Your credit is a critical factor for lenders making a loan decision. They will learn more about your credit history and credit score by pulling a credit report.

A credit report shows how well an applicant has repaid any loan or credit obligation. Usually lenders look at the most recent pay history and look for debts with a high balance. While score is important and will most likely have an impact on the interest rate offered, the detailed pay history plays a significant role in whether an applicant is approved or declined.

Does this mean if you have a past blemish on your credit you will be denied a home loan? Not necessarily. There are many factors lenders consider.

“It is very important to our team to call every applicant,” says Patterson. “Our customers are more than just a credit score. We want to understand their journey and provide the financing program that best fits their situation.”

Income and debts

Determining your ability to repay the debt on time each month is important to a lender when making a loan decision. A debt-to-income ratio, or DTI, is one of the tools lenders use to determine your ability to pay. Two things need to be calculated to know this percent: monthly income and the existing credit obligations that are paid monthly.

Lenders typically use verified gross monthly income, your pay before taxes, when determining an ability to repay. Gross monthly income includes a paycheck from an employer, plus any money you may receive in government aid, child support or pensions.

After totaling gross income, the lender will need to determine the amount of debt the applicant pays toward each month. Typically, lenders use a credit report to identify the applicant’s debts. Some examples include car payments, student loans and credit card balances.

Employment

Employment is another important factor that goes into a loan decision. Lenders will look at the type and length of employment. If a person is self-employed, the applicant will need to prove steady income over a two-year period.

Consistent and non-temporary employment are seen favorably by most lenders. This means being regularly employed for two or more years. Consistent employment shows a lender stability in an applicant’s source of income, which is an indicator of their ability to repay the loan.

How does the lender learn about your employment history? Typically, they will request a Verification of Employment from your employer and will consider the information provided in the loan decision.

Next steps

Understanding these three factors and knowing where your personal finances fit within them is important when applying for a home loan. While there are other things lenders consider, making sure you are financially fit in these three areas is a great start to getting ready to buy a home.

About Vanderbilt Mortgage and Finance, Inc.

Vanderbilt Mortgage and Finance, Inc. is a national housing lender that specializes in financing manufactured homes. In business for more than 40 years, the company currently services more than 200,000 home loans and works hard to tailor loans to each family’s needs. Vanderbilt has an A+ grade from the Better Business Bureau and is a Berkshire Hathaway company. For more information, visit VMFHomeLoan.com.

NMLS Disclosure

Vanderbilt Mortgage and Finance, Inc., 500 Alcoa Trail, Maryville, TN 37804, 865-380-3000, NMLS #1561, (http://www.nmlsconsumeraccess.org/), AZ Lic. #BK-0902616, Loans made or arranged pursuant to a California Finance Lenders Law license, GA Residential Mortgage (Lic. #6911), MT Lic. #1561, Licensed by PA Dept. of Banking.


5 free online marketing tools to grow your influence

2019-03-05T11:01:01

(BPT) – Do you want to grow your business online and get more traffic?

Check out the following top 5 free online marketing tools and how to use them to grow your business online.

1) Increase your SEO with the HOTH keyword research tool

The HOTH has a substantial number of free tools for SEO (Search Engine Optimization) to help you rank higher in search engines and get more free traffic.

If you want more traffic, it’s important to find keywords that your customers are searching for and optimize your website for these words and phrases. You can use The HOTH Keyword Research Tool to find keywords to use. Just input a keyword to start, and the tool will give you a ton of variations and related keywords, along with detailed metrics like cost per click, competition (difficulty) and search volume.

2) Social media automation with Buffer

Buffer is a social media management tool that allows you to post to all your social networks at once. Its simplicity and user-friendly interface make this the tool for the job.

With buffer, you can automate posting, schedule future posts and measure your social media performance all in one.

3) Get more email subscribers with OptinMonster

OptinMonster is a popup software that helps you grow your email list and increase your website conversions. This helps turn your existing traffic into leads, conversions and sales.

All you need to do is create a new popup with an offer like “Join our email list” or “Get a free guide” and your visitors will input their email address.

4) Email marketing with Mailchimp

Mailchimp allows you to build an email list and communicate with your customers and prospects. You can send email campaigns and automation sequences to hundreds or thousands of people with this simple interface.

Email marketing is one of the most powerful ways to stay in touch with your customer base.

5) Design graphics with Canva

Canva is a well-rounded design tool that you can use to edit photos and create custom graphs and prints. Its simplicity and ease of use make it a great choice for designing simple graphics quickly.

With Canva for work, you can take control of your brand and create designs that leave your viewers in awe.

By using each of these tools, you’ll be able to effectively market your business online with conversion optimization, social media marketing, email marketing, SEO and more.


Resolution Roadblocks: Finding Your Hassle-Free Solution [Infographic]

2019-03-05T16:33:01

(BPT) – Setting New Year’s resolutions is a great way to make positive changes in life, but sticking with them all year can be tough. In fact, more than half (54%) of people say they drop their New Year’s resolutions after 3-4 months. And, often times people are left with expensive commitments – like a gym membership – they wish they hadn’t made.


Customized communications are the future for HOAs

2019-03-05T13:55:00

(BPT) – Without thoughtful communication, relationships between board members, residents and property managers of community associations — aka, HOAs — can go from smooth to contentious in a hurry. From single-family communities to high-rise condos, everyone has their own ideas about what’s best for the neighborhood. But despite what most headlines will have you believe, the reality is that homeowner satisfaction in managed communities is reported to be at an all-time high, and embracing the right communication style to connect with their community is a key reason why.

Savvy HOA boards accept that resident age and lifestyle require them to customize their communications and work with property management companies to deliver them through new channels that reflect what their residents prefer, marking a new era in resident-management relations. By identifying trends within communities, HOA boards in conjunction with property managers are employing more effective tactics to convey important information, make decisions and even defuse tension.

Sharing in bits and bytes: Millennial messaging

For example, younger generations are more receptive to messages delivered through digital media, online property management platforms and mobile apps. In high-rise communities where millennials are prevalent, association boards are using these channels to connect with their tech-savvy residents. Apart from distributing important building information, board members are also able to get better buy-in and feedback on community initiatives. The use of digital media lives up to its name, as previously hard-to-reach residents are now being brought into the fold to create richer living experiences and more representative communities.

“Community relations, like technology, should evolve with the user,” said Alan Missen, CIO of FirstService Residential, the country’s leading property management company. “People’s widespread use of digital platforms as primary conduits for daily information and interaction must be reflected in a managed community’s communication network to create more touchpoints of engagement among residents, boards and staff.”

Offering on-demand communication tools to capture working families

Single-family or master-planned communities are where more established residents, mainly working professionals and families, call home. They tend to prefer email or texting over in-person meetings, with the added option to source information themselves. The community management industry is responding with innovative tools that allow these self-directed individuals to engage on their own terms.

One of the biggest markers of progress in the industry is the increasing adoption of online resident portals. FirstService Residential CONNECT is an online property management platform that allows residents and boards to communicate directly with one another and with the community manager without being disruptive to any party.

Residents can check account balances, reserve amenities, manage visitor access and track package deliveries. Online property management platforms also enhance board members’ ability to spot and respond to operational needs and make improvements while reducing costs and delivering added value to their community, which ultimately leads to increased resident satisfaction and support.

Keeping a hold on traditional communication

There is no denying that growing numbers of mature residents are “plugged in” and finding their voice in the digital age. Nevertheless, more traditional forms of communication, including emails, physical mail and in-person consultations, are still preferred by this generation.

While face-to-face conversations are welcome, the pitfall is they can open the door to confrontations just as easily. Understanding this, community board members, with the assistance of property managers, are increasingly employing personalized communications techniques to navigate difficult personalities in the face of such interactions.

For instance, summarizing a complaint in writing after a resident airs their grievances can help them feel heard. Laying out the logic behind a decision can help residents feel more comfortable with the process, even if they don’t like the decision itself. These small changes are much more effective in managing relationships than simply saying, “Thanks for your comment.”

As HOA boards focus more on these kinds of interpersonal tactics, they’ve seen fewer disgruntled residents and more small issues remain small issues. The key is to communicate directly, plainly and sincerely.

Becoming an interpreter

Forward-thinking HOA board members and community managers say effective communication is all about speaking the same language as their residents. That means delivering messages in a way they’ll respond to and be comfortable with. By mirroring preferred communication channels, association boards and residential managers are changing the game to give everyone a voice and create stronger communities. For more insight about HOA communications, visit fsresidential.com/corporate/hoacommunications.


Family planning and IBD: Expert answers to common questions

2019-03-05T09:31:00

(BPT) – Having a baby is a wonderful experience, but for many women, health issues can cause them to second-guess their ability to become a mom. Women with inflammatory bowel disease (IBD) may feel as though pregnancy is out of the question. This isn’t necessarily true. In the U.S., 1.6 million people have IBD — a group of disorders that include Crohn’s disease and ulcerative colitis. Of those, roughly half are women who will consider getting pregnant one day. When it comes to IBD and planning for a family, it’s natural to have questions and concerns.

“The IBD Parenthood Project provides guidance to women with IBD on the continuum of care and best practices for managing their IBD throughout all phases of family planning: trying to conceive, pregnancy and postpartum,” says Rajeev Jain, MD, AGAF, FACP, IBD Parenthood Project Co-Chair and Gastroenterologist at Texas Digestive Disease Consultants. Led by the American Gastroenterological Association (AGA) with support from the Society for Maternal-Fetal Medicine, the Crohn’s & Colitis Foundation and the patient support network Girls With Guts, this program aims to empower women with IBD, their loved ones and health care providers to have open conversations about preconception, pregnancy and post-delivery care.

Dr. Jain offers answers to the most common questions he receives from women about IBD and family planning:

In your experience, what are the top concerns women with IBD have when planning for a family? What are the key steps you would urge her to take before she gets pregnant?

Answer: Many women with IBD are concerned that they won’t be able to achieve a healthy pregnancy and worry about factors such as IBD medication being harmful to their baby. Studies show that women who have their Crohn’s disease and ulcerative colitis under control, and who have never had surgery, can get pregnant at the same rate as other women in the general public. For women to have a successful pregnancy, their IBD should be under control; avoiding a flare is the most critical aspect to achieving a healthy pregnancy.

What types of health care providers should a woman see to ensure she has a healthy pregnancy?

Answer: Pregnant women with IBD should work with a maternal-fetal medicine (MFM) subspecialist who will coordinate care with her delivery provider and gastroenterologist (GI). A pregnant patient with IBD should be monitored by both a GI, who has a clear expertise in IBD, and an obstetric provider, ideally an MFM subspecialist, with further assistance from other care providers. An obstetrician (OB) or MFM subspecialist should lead pregnancy-related care, and the GI should lead IBD care, with excellent communication among all providers consulted during pregnancy.

What is an MFM subspecialist?

Answer: An MFM subspecialist is an OB with an additional three years of formal education who is board-certified in maternal-fetal medicine, making them highly qualified experts and leaders in the care of complicated pregnancies. An MFM subspecialist is distinct and different from a “high-risk OB.”

Are IBD drugs harmful to take while trying to get pregnant or during pregnancy?

Answer: Most women who are in remission when they get pregnant stay in remission throughout pregnancy. Stopping medication can cause a flare, which is a risk to a healthy pregnancy. Treating IBD with the appropriate medication may help reduce a woman’s risk of a flare and can help lead to a healthier pregnancy.

Will my children have IBD?

Answer: Up to 3 percent of children with one parent who has IBD will develop the disease (this means about 97 percent will not get IBD).

Are women able to breastfeed while on IBD medication?

Answer: Yes, in many cases, mothers with IBD who breastfeed can simply follow standard nutritional recommendations, which may include increasing the amount of food in her diet or adding omega-3 fatty acids.

To download the patient toolkit and learn more about pregnancy and IBD, visit www.IBDParenthoodProject.org.

AGA’s IBD Parenthood Project is funded through support from UCB, a global biopharmaceutical company.


How to get promoted: 3 secret skills for success

2019-03-05T07:01:00

(BPT) – Regardless of your career path, getting a promotion is often a professional goal. Being recognized and landing a promotion can provide a variety of perks such as more money, increased influence and more control over your daily routine.

So how do you land that promotion? It comes down to building key skills such as self-development, listening and communication. Fortunately, online learning platforms like LinkedIn Learning can help you develop these skills to get to the next level in your career.

Here are a few secrets to taking the reins and getting noticed — and promoted — in your career.

1. Prove that you’re capable of self-development

The difference between being a “high-potential employee” versus a “high-performing employee” means everything to your advancement, and to the company where you work. While a high-performing employee does their job well, their performance review will look similar from year to year, revealing little about their potential for moving up. A high-potential employee, on the other hand, shows a willingness to push themselves to learn new skills, take on more responsibilities and be open to lateral moves — especially if that means mastering new abilities.

How do you become a high-potential employee? Demonstrate your capacity for self-development by actively soliciting feedback from others to learn how you can grow and improve, and proactively take on opportunities to increase your skill set.

2. Be a strong listener

In today’s world, there’s a misconception that dominating the conversation means you’re a leader, but the opposite is actually true. Being a good listener is vital to being a strong leader, and a crucial component to earning that promotion.

By taking the time to understand others’ perspectives, needs and concerns, you’ll be better prepared to communicate your ideas and solutions, and to persuade others to come on board. This is essential to leading, whether it means a small group or an entire corporation.

Active listening is an art — it is underrated and takes significant practice to master. Identify a leader in your organization who is a strong active listener and watch how they lead. You can also master this skill by taking a course on active listening as part of your own career development.

3. Communicate with purpose

Boosting your communication skills is critical to being both a leader and a team player. Demonstrate to your manager and your team that you know how to address the bigger picture, and show how your work ties to the overall company strategy. Express your vision of the larger mission or goals of the organization, as opposed to getting caught up in the details.

How you express yourself also makes a huge difference. Be concise, purposeful and confident in your statements. This will help you build a strong executive presence and build trust among you and your colleagues.

Don’t wait for a promotion to come to you. Now’s the time to be proactive and focus on growing your skill set. Show what you’re learning by actively taking on new challenges and communicating with purpose and confidence. To learn more about mastering the skills you need to advance in your career and get that promotion, visit www.linkedin.com/learning.


Get in touch with your senses for a better night’s sleep

2019-03-05T07:31:00

(BPT) – In a world where everyone is constantly on-the-go, getting a good night’s sleep can be a daunting challenge. If you’re having trouble sleeping, remedy the situation by using your own senses right in your bedroom! Here are three easy and effective tips for using your senses to help contribute to a better night’s sleep and, in turn, bolster your overall well-being:

Scent sense: Sprinkle a few drops of lavender oil on your pillow. Lavender is associated with lower blood pressure, heart rate and skin temperature — all relaxing ingredients for a good night’s sleep. And, as an extra perk, lavender has been shown to reduce anxiety, making it a great essential oil to put on your pillow for those nights when concerns of the day are keeping you awake.

Touchy feely: Make sure that you have cozy, quality bedding, which will permeate your sense of touch throughout the night. In a U.S.-based survey conducted by the American Down and Feather Council (ADFC), 70 percent of consumers surveyed who use down and feather products agreed they get a better night’s sleep with down and feather bedding. Furthermore, 55 percent agreed there are health benefits to sleeping with down and feather products, because they:

* Regulate your body temperature — Down and feather is a natural material that wicks away moisture and perspiration, allowing it to quickly evaporate rather than trapping it.

* Provide proper support — Down and feather pillows conform to the body more naturally than many synthetic fibers or foam pillows.

* Offer the sleep-inducing benefits of warmth without weight — Down is nature’s best insulator!

Soothing sounds: Try using a white noise machine to mask background sounds, thereby creating a more serene environment. When used to promote healthy sleep, white noise helps to drown out sounds that might otherwise prevent you from falling asleep or wake you up while asleep.

So, if you’re having trouble sleeping, try listening to your senses to help contribute to a better night’s sleep — and see what a difference the quality of your bedding can make!


5 tips to avoid email scams this tax season

2019-03-04T14:01:00

(BPT) – Email phishing scams and attempts to steal your information are on the rise as the April 15 tax filing deadline nears, so how can you avoid falling victim to one of these schemes? Phishing attempts have become much more sophisticated in recent years, so it’s even more important to be vigilant in order to protect your personal financial information. In the month of February, Microsoft security experts saw an average of 300,000 phishing encounter attempts across its browser platforms — every single day. These attempted scams will only increase as tax day approaches.

Here are a few simple tips to avoid falling prey to phishing scams.

1. Watch for suspicious emails. Be suspicious of any unexpected emails, and avoid clicking on links or attachments, especially when the email seems “off” to you, or unexpected, like an email from a tax preparation service, your credit card company or a financial institution. Although the email may appear to be genuine on the surface, if it is not part of your regular interactions with the company, it’s worth further scrutiny. You’re always safer using the direct URL of the company and accessing your account from there to process any transactions or to check your account, not by accessing from a link inside an email. Also, any emails claiming to be from the I.R.S. are most likely bogus, as the Internal Revenue Service does not initiate interactions via email, phone, social media or text, and uses the U.S. Postal Service for nearly all communications with taxpayers.

2. Carefully inspect URLs. You can simply hover over links within the suspicious email with your cursor (without clicking it) to view the URL. See if it actually goes to the website where it claims to direct you. URL shorteners provide convenience, but they can sometimes make the inspection difficult. When in doubt, use your search engine to find the correct company URL and go from there. You can also hover over the email sender’s email address to see if it matches the sender you’re expecting.

3. Be wary of all attachments. If you haven’t just made a purchase for tax processing software or used a tax preparation service, don’t be fooled by getting an email containing an invoice from a tax preparation service or software company. Sending fake invoices for services or products is one of the top methods that attackers use to trick people into opening a malicious attachment that could automatically execute malware on your computer. Malicious attachments could also contain links that download and execute malicious programs if you click on them. PDF attachments that contain innocuous-looking links can lead to users accidentally downloading malicious software designed to steal their credentials.

4. Don’t rely on passwords alone. Whenever possible, opt to use multi-factor authentication like the Microsoft Authenticator app for managing your “manage service account” logins and Windows Hello for easy and secure sign-in to your Windows 10 device. They enable biometric authentications such as your face or your fingerprint to quickly and safely log in across devices, apps and browsers without you having to remember passwords. With a Microsoft account, you can also securely and automatically sign in to other cloud-based applications including Bing, MSN, Cortana, Outlook.com and Xbox Live (PC only).

5. Keep your software current. Run a modern, up-to-date operating system, such as Windows 10, and make sure to stay current with the latest security and feature updates, in conjunction with using built-in anti-virus protection like Windows Defender Antivirus.

Don’t fall victim to sophisticated phishing attempts via email. Protect your personal information by informing yourself about the latest scams. With just a little extra care and vigilance, you should be able to steer clear of “phishy” emails and other scamming attempts this tax season.