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Mary Mastroeni

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How to Promote Better Eye Safety at Work

March 7, 2017 12:30 am

We all know too much time in front of a screen can be detrimental to our eyesight. But what happens when our job requires it?  To combat this, the Academy provides the following tips to help avoid workplace eye injury or strain:

Wear protective eyewear: Ensure that your eye protection is appropriate for the type of hazard that may be present in your workplace, such flying debris, falling objects, chemicals, intense light, and heat. Your eyewear must be American National Standards Institute ANSI-approved and OSHA compliant. You must use special-purpose safety glasses, goggles, face shield or helmet if you are near hazardous radiation welding, chemicals, lasers or fiber optics.

Position your computer 25 inches away: If you are working on a desktop computer, try placing the monitor at an arm's length away from your face. You may need to adjust the font size to appear larger at that distance.

Follow the 20-20-20 rule: Eye strain and dry eye occur after long, continuous periods of viewing digital screens up close. To help alleviate this, take a break every 20 minutes by looking at an object 20 feet away for 20 seconds. Looking at a distance allows your eyes to relax and return to a regular rate of blinking again. Normally, people blink about 14 times a minute[6] and with every blink, your eyes are lubricated with fluid that contains moisturizing elements, including oil.

Reduce glare on your smartphone and digital screen: While many new phones and digital devices have glass screens with excellent picture quality, they also produce a strong glare that can aggravate the eyes. If you use a glass screen device, adjust the low light filter setting to lower screen brightness or use a matte filter to reduce eye strain.

Adjust environmental lighting at your work: If your computer screen is brighter than your office surroundings, your eyes need to work harder to see. You can reduce eye strain by adjusting the lighting in your surroundings.

"It takes only a few seconds to protect yourself from eye related issues that can cause vision problems," says Brenda Pagán-Durán, M.D., a clinical spokesperson for the American Academy of Ophthalmology. "I can't stress enough the importance of incorporating eye wellness into your daily routine; whether it's simply adjusting the setting on your computer monitor, or wearing appropriate protection to avoid serious eye injury. This is truly an ounce of prevention that can safeguard your vision."

Source: www.eyesmart.org.

Published with permission from RISMedia.


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How to Protect Your Pet’s Oral Health

March 7, 2017 12:30 am

You may brush your teeth twice a day, but do you ever think about your pet’s dental hygiene? Taking care of your furry friend’s teeth is just as essential as taking care of one's own, and can save them from many health issues later.  

Below are a few tips for taking care of your pet’s mouth.

1. Brush their teeth. Yep, you read this right. Get a feline or canine tooth paste. Do NOT use human toothpaste as fluoride can be poisonous to animals. Brush your pet’s teeth when they’re relaxed, perhaps after they’ve had a decent amount of exercise. There’s no need to do this every day. Talk to your vet about frequency.

2. Feed them dry food. Dry food is better for your pet’s teeth, as soft food sticks to their teeth and gums and can cause decay.

3. Find dental toys. There are lots of dental toys and chews that help clean your pets teeth painlessly. Talk to your vet about one that may be a good fit.

4. Feed them a proper diet. Just like people, your pet’s health will improve with a proper diet. Avoid feeding them table scraps, “people food”, and sugary food to improve their oral health.

Published with permission from RISMedia.


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How to Protect Your Identity While Traveling

March 7, 2017 12:30 am

If you travel a lot for work, your identity may be at risk, according to International SOS. Whether in-transit, or at their destination location, business travelers – and by extension their corporate networks – are potentially more vulnerable to malicious cyber and physical information security threats, which are becoming increasingly sophisticated and audacious in their methods of accessing travelers' confidential corporate information.

Below are a handful of helpful tips from International SOS to help protect your data while on the move:

Before you travel, it's important to research the potential threats to your company's sensitive commercial information, specific to the location you'll be visiting. This will enable you to implement effective security measures to help prevent problems during your trip.

Avoid advertising the exact location or purpose of your business trip.

Make sure that all software on your devices (including but not limited to antivirus software) is up-to-date before departure.

Avoid connecting to non-secure networks (such as public WiFi hotspots) when you travel. Where possible, disable any WiFi and Bluetooth capabilities, which can provide additional entry points for attackers and can be exploited without your knowledge. Turning these off will further reduce the likelihood of sensitive information being stolen from your devices.

In locations assessed as HIGH threat (this may vary from company to company, depending on the nature of their operations), maintain physical control of your devices and sensitive information at all times. Keep your laptop with you as carry-on luggage and do not loan it to anyone while traveling. When you return from a high-threat location, or if you have witnessed any suspicious activity on your devices, ask your IT service desk to check for signs of malware, unauthorized access, corruption or intrusion. Do not connect your devices to sensitive networks until they have been verified as safe.

Source: International SOS

Published with permission from RISMedia.


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Financial Tips for International Travel

March 7, 2017 12:30 am

Heading overseas? Whether it’s for business or pleasure, take care of your finances first, says GO Group, LLC.  Below are their top tips for protecting yourself as you spend time abroad.

Inform Your Bank and Credit Card Issuer of Your Trip 
Financial institutions often block transactions coming from unexpected locations, such as foreign countries to guard against fraudulent activity and identity theft. Call your banks and credit card companies in advance of your journey and tell them where you'll be going and when to let them know you'll be using your card or account from those locations. If you're still blocked, a simple call to customer service should resolve any issues that crop up.

Acquire Local Currency 
Cash is still quite useful in certain geographic regions where credit card acceptance is spotty at best. Convert your dollars into the local currency, but beware of doing so at the airport. You'll get a better exchange rate from a bank or at an ATM. Merchants may offer to accept your USD and convert it at the time of purchase, but they might use unfavorable rates of exchange, so it's best to keep a few hundred dollars worth of local money.

Bring Multiple Types of Payment 
Don't rely on only one means of payment. Rules about accepted payments options vary from place to place, so it's prudent to have at least one backup handy. Try to bring both a Visa and a MasterCard issued by separate companies. If one doesn't work, try the other.

Explore Specialized Payment Methods 
Traveler's checks and pre-paid debit cards might save the day if your credit card is declined or stolen. They're also appropriate for paying wherever credit isn't accepted. If nothing else, they provide extra methods of payment, giving you more flexibility.

Most credit cards charge fees when you make purchases abroad, but there are foreign-friendly credit cards that don't. With the right card, you may even be able to accumulate cash back or other rewards on the purchases you make in other countries.

Do Your Banking Online 
Online banking allows you to perform many banking functions which is helpful if your bank doesn't have branches in the area you're visiting. Setting up automatic bill payment ensures you don't fall behind on your obligations while you're out of the country.

Certain stressors are unavoidable when traveling, but money woes don't have to be among them. Save money, lower your expenses and protect your peace of mind with the tips.

Source: The GO Group, LLC

Published with permission from RISMedia.


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3 Smart Ways to Pass Wealth to Your Kids

March 4, 2017 12:30 am

Leaving money to your kids can cause unwelcome tax burdens unless you plan ahead and do so wisely. Financial experts at The Motley Fool, recommend three smart ways to pass your hard-earned wealth to your children:

Pass the cash – The IRS lets you give up to $14,000 tax-free per year to each child. You may be able to give them additional sums if they have tuition or medical bills. If you pay those bills -- by sending the money directly to the school or healthcare provider(s), not to your child -- then those sums can be tax-free gifts as well.

Spend it on education - You can help your child avoid student loan debt. One way to do this is with a Coverdell Education Savings Account (ESA.) As opposed to a 529 plan, a Coverdell allows you to make investment decisions. While that may not matter to a novice investor, it means that a seasoned market participant can maximize stock opportunities as they arise. Distributions from a Coverdell ESA are not taxed if they are spent on qualified education expenses. Caution: you are only allowed to contribute $2,000 per year per child. Furthermore, if the money isn't used for qualifying education expenses, it can be taxed -- which defeats the purpose of the Coverdell. But given that the contribution limits are low, while college costs are historically high, it’s unlikely to be an issue.

Use a Roth IRA - From an estate-planning standpoint, a Roth IRA has useful features. You can contribute to it as long as you have earned income, and you're not obligated to withdraw any money for as long as you live, so you can leave your investments to grow for the rest of your life. Your heirs won't have to pay tax on withdrawals so long as the account has been open for at least five years. After your death, your kids can take the proceeds as a tax-free lump sum, or allow the money to grow and compound for years. (They will, however, have to take required minimum distributions (RMDs) from the account beginning in the year you die.)

Published with permission from RISMedia.


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Protect Your Eyes from Your Mobile Device

March 4, 2017 12:30 am

We’re all guilty of spending too much time staring at our screens. But a recent survey from the American Optometric Association's (AOA) revealed that 88 percent of Americans know that digital devices can negatively affect their vision, but the average American still spends seven or more hours per day looking at their screens. According to the AOA, this overexposure to blue light – high-energy visible light emitted from digital devices – can lead to digital eye strain, sleep problems, blurred vision, headaches and neck and shoulder pain, among other things. The AOA survey also indicates that the average millennial spends nine hours per day on devices such as smartphones, tablets, LED monitors and flat-screen TVs which also emit blue light.

Read on for tips from the AOA on protecting your eyes.

Power down before you turn in: Turn your digital devices off at least one hour before bed.
Unplug with the AOA 20-20-20 rule: When you are using any device or computer, make a conscious effort every day to take a 20-second break and look away from the screen, every 20 minutes and view something 20 feet away.

Step back: Maintain a comfortable working distance from your digital device by using the zoom feature to see small print and details, rather than bringing the device closer to your eyes.

Adjust your device to fit your needs: The AOA recommends reducing the glare by adjusting device settings or using a glare filter to decrease the amount of blue light reflected from the screen.

Schedule an appointment: Visit a doctor of optometry by visiting AOA.org to schedule an appointment for a comprehensive eye exam to detect and address vision problems.

Source: American Optometric Association

Published with permission from RISMedia.


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Five Tips for Easy Spring Cleaning

March 4, 2017 12:30 am

Is spring cleaning on your mind? It doesn’t have to be an overwhelming task. Below are five tips for easy cleaning, from MaxSold.com.

Decide what you are keeping
Heard of the KonMari decluttering method?  Keep an item if it brings you joy and if you have room for it - if not, set it aside.  Start with a post-its to speed up the process as you go along - bite the bullet and blaze through it in a day, or tackle one room at a time.

Don't take it to the dump
One person's trash is another person's treasure - it's amazing how much money you can recover for your unwanted things. Instead of filling up landfill, fill up your wallet.  Barry Gordon, the founder of MaxSold, an online selling platform, says "A chair that the owner was going to leave out in the side of the curb sold for over $2000, and a box of extension cords that would have gone to the dump sold for $40."

Don't prematurely sell off high value items
Ever post an ad online and get a response in an instant? This will leave you wondering if you grossly underpriced the item.  The opposite is also true - if no one responds to your ad for weeks, maybe you overpriced it, and lowering the price over days for 100s of items is inefficient.  Use an auction platform like MaxSold to sell everything where multiple people compete for the goods. Things that are better will engage more people and foster competition for not only items in demand, but for everything you are clearing out.

Don't put stuff in storage
So many people are focused on "What's my dining room going to bring?"  The hard truth is that no one is going to give you a lot of money for your dining room.  It's going to be heartbreaking.  It's going to be awful.  If you've got someone to give it to in the family, then that's a good idea. But most people do not.  And since they have nowhere else to go with it, they decide to put it into storage.  Unfortunately, they end up paying thousands of dollars in storage cost each year, only to have the items further depreciate in value.Source: MaxSold.com

Published with permission from RISMedia.


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Travel Time: How to Organize a Group Cruise

March 4, 2017 12:30 am

Are you dreaming of travel time? Are you trying to corral one large group into the same destination? Whether you’re planning a spring break, a wedding party, or a trip with your extended family, a cruise is a great way to travel together. But organizing a large group of people can be a huge hassle.

Here are six tips courtesy of Carnival Corporation for putting together the perfect group cruise:

Appoint a group leader. This point person can help get everyone on the same page, coordinating when and where and on what ship your group wants to cruise and serving as the liaison with the experts in the cruise line's group department.

Make reservations well in advance. You will want to lay claim to a block of cabins as soon as possible. Booking a year in advance is preferable, which means now is the time for your group to look at winter 2018.

Work with a travel agent. Experienced travel agents can help take pressure off the group leader, handling logistics and working with the cruise line to make your experience special.

Book a shore experience. As you seek to create memories consider splurging on a group outing, designed by cruise line experts and led by local guides at a port of call.

Plan a special meal. For a memorable celebration, book the steakhouse or one of the ship's other specialty restaurants. The ship's experienced food and beverage team can assist with menus and wine selections.

Source: Carnival Corporation

Published with permission from RISMedia.


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Contact Lens Safety Tips

March 2, 2017 12:30 am

(Family Feature)--With nearly 41 million adults in the U.S. wearing contact lenses as a safe and popular form of vision correction, there is a growing trend among Americans to alter the appearance or color of the eyes by using decorative contact lenses. However, if these lenses are bought illegally and without a prescription from your eye doctor, they could lead to serious health issues and potentially damage your eyesight permanently.

“Many consumers consider these lenses a fashion or costume accessory when, in reality, decorative lenses are also classified as medical devices and still pose the same potential safety and health issues as corrective contact lenses and require a prescription,” says Andrea P. Thau, O.D., president of the American Optometric Association (AOA).

The AOA recommends contact lens wearers take proper steps to protect their eyes and maintain a consistent hygiene routine, including:

- See a doctor of optometry for a comprehensive eye examination and proper fitting and prescription for decorative contacts lenses, even if you don’t require lenses to correct your vision.

- Never buy lenses from retail outlets or online sites that don’t require a prescription.

- Always follow the recommended contact lens replacement schedule prescribed by your eye doctor.

- Wash and dry hands before handling contact lenses.

- Carefully and regularly use cleaning solution to rub the lenses with fingers and rinse thoroughly before soaking overnight in multi-purpose disinfectant solution.

- Use fresh solution to clean and store contact lenses – never reuse old solution.

- Only use products recommended by your eye doctor to clean and disinfect lenses. Saline solution and rewetting drops do not disinfect lenses.

- Store lenses in the proper storage case and replace your case every three months. In addition, cases should be rubbed with clean fingers, rinsed with solution, dried with a tissue and stored upside-down when not in use.

- Remove contact lenses before exposing them to water.

- See your optometrist immediately if you experience redness, pain, irritation or blurred vision while wearing your lenses.

Source: aoa.org.

Published with permission from RISMedia.


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Money Matters: Finances and Your Relationship

March 2, 2017 12:30 am

Communication is important in every aspect of your romantic relationship, but when it comes to finances, being open and honest—even when uncomfortable—is a necessity.

"Money discussions are tough to have, often bringing up core issues about our own relationship to money, as well as anxieties about the future," says Senior CFP Board Ambassador Jill Schlesinger, CFP®. "While it can be a hot button issue for many, not being open with your partner about money can often lead to more issues down the line."

In her latest contribution to LetsMakeAPlan.org, Schlesinger offers tips for how to start a conversation with your partner about your finances.

Set up time to talk: Trying to have a meaningful conversation about money amid a heated argument is fruitless. Instead, set aside a specific time and place to talk about the dreaded topic. You can reduce emotions by setting specific objectives and basic ground rules: No judgments – just open dialogue. 

Share information: During your conversation, you should share information including any outstanding debt, investments, bank and retirement accounts, and any bonds you may have. If you've never created a balance sheet or estate plan, now is the perfect time to do so!  Create a master list of assets and note who owns each, or whether it's jointly owned. Also include any account usernames and passwords, broker names and contact information, and other account info to share with your partner.

Get on the same page: Make sure you and your partner are on the same page when it comes to financial priorities – retirement, college planning and cash flow management. Do you want to keep separate bank accounts and both contribute to a joint account? There is no "right" answer, but agreeing on a path forward will help avoid confusion in the future.

Divide and conquer: After you have the conversation, divide financial responsibilities that work for each partner's strength. If one likes to use apps to track spending, they should monitor the day-to-day bills. If the other is more inclined to manage the long-term investments, they should manage those accounts. Make sure you understand the game plan together and allocate tasks appropriately.

Source: Certified Financial Planner Board of Standards, Inc.

Published with permission from RISMedia.


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