Author: Kristian Wilson

  • Backyard Home Improvement: Ideas for Every Budget

    Backyard Home Improvement: Ideas for Every Budget

    Are you looking to make improvements to the exterior of your home?

    We all know that we are spending so much more time at home these days so why not give your home a little refresh. Whether your budget is large or small, there are many things that you can do to make a huge impact on your homes curb appeal. Not only will these updates bring you satisfaction and a sense of pride, they might also bring you more money when it is time to sell. Here are a few ideas that our team has put together for you!

    Landscaping:

    You can make a huge impact with a few small updates.
    1. Assess your current landscaping. You can clean up your existing landscaping with just a little work and almost no cost. Trim hedges, clear out debris and mow the lawn. Fix up your fence by patching and mending any holes or broken boards and add a coat of stain or paint. You will notice an immediate impact.

    2. Add new plants to your yard. You can add annuals for a pop of color and shrubs for greenery.

    3. Plant some trees. If you’re looking to create privacy or are in need of shade, certain trees will naturally provide this effect. You can create a beautiful outdoor oasis right in your own backyard. Find out which trees are native to your area and will grow to last in your climate.

    4. Synthetic Lawn: Are you having a hard time maintaining your lawn? Have you ever thought of installing a synthetic lawn? This isn’t your grandmother’s old astro turf or mini golf greenery. Synthetic lawns have come a long way since then. There are many sophisticated options now that require little to no maintenance. There are even options to help eliminate pet odors outdoors.

    Creating Outdoor Rooms:

    You can transform your yard into an area that you will use more often. You can have lounge seating to rest, relax and read outdoors. There are couches, chaise lounges, sectionals, love seats, swivel chairs and more. The options are endless. Checkout this link from IKEA for more ideas for every budget.

    How about adding an outdoor dining area and bring your entertaining outside. Create a unique space that works for your needs. There are options from an intimate table for two to an expandable table for 12. Eating outside isn’t just for daytime BBQs, dining under the stars can be a fun alternative to eating in front of the TV.

    Incorporate outdoor curtains into your design. This will really help define your outdoor space. These curtains are weather resistant and can easily be removed for inclement weather. Look for curtains that are easy to wash and that are specifically made for outdoor use. Here’s a great link from Pottery Barn for reference.

    Hang outdoor lights. Everyone knows a good set of patio lights will go a long way with upgrading your outdoor space. Not only do the patio lights add much needed lighting at night, they also make your space feel more fun and complete.

    Create an outdoor movie theater. With many movie theaters being closed these days, creating an outdoor movie space in your backyard is a great alternative. There are many portable, inexpensive options for the projector and the screen. There are blow-up screens, canvas screens or you could even use a white sheet. If you have a blank wall or side of your house, you can even project movies directly on the wall.

    Add a water feature. Whether you live near a busy road, have noisy neighbors or are just calmed by the sound of running water, an outdoor fountain or water feature is a great addition to any backyard. Not only does a water feature help mute out unwanted noises, it also serves as a special place for the birds to get a drink or take a dip.

    Hardscaping:

    1. Install a built in BBQ. If you don’t want to hire someone to build an outdoor kitchen, you can find ready-made and customizable outdoor kitchen sets. Think about the things you will want to use the most while cooking outdoors: inset BBQ, counter space, ice chest or mini fridge and a sink if possible. Check out this link from Home Depot for more ideas.

    2. Add a firepit. Whether you want to have a firepit for extra warmth or just for roasting marshmallows outside with the family, this is one feature that will add a lot of flare to your outdoor space. There are many different options when choosing a fire pit. Do you want it to be wood burning or fueled by gas? If gas, do you want to use a propane tank or do you have a gas line that you can connect to? Adding an outdoor fire feature is a fun way to spruce up your yard and creates a fun gather spot for family and friends. Here are a few examples from Wayfair to review.

    3. Build a deck: If you enjoy spending time outdoors, building a deck can really enhance your outdoor space. You can build a deck with wooden slats to expand your outdoor living area which can improve your indoor/outdoor flow.

    4. Install a backyard patio. A patio space can help define your backyard and can make outdoor gatherings more enjoyable. Concrete paver patios can spruce up the look of your yard and can add value to your home.

    5. Build a pergola. A pergola can be a focal point for your yard. It can also add functionality to your outdoor space. A pergola not only provides shade, it also creates an outdoor room.

    Update the Exterior of Your House:

    1. Paint your house. Painting your house is akin to giving your home a major facelift. You might be amazed at how good your house will look with a new coat of paint. Many experts say that you should paint your house every 5-10 years. This is of course dependent on the exterior material of your house, your climate and the quality of your previous paint job. So when was the last time your house was painted?

    2. Wash your windows. I know most people joke, “I don’t do windows”, but maybe you should. Whether you hire a professional or take on this job yourself, washing your windows can make your home shine and look a few years newer.

    3. Replace the garage door. A new garage door can update the curb appeal of your home. Plus, newer garage doors usually have quitter motors and are safer for your home. A new garage door could also help with insulation issues in extreme climates. Replacing your garage door will help you make a great first impression.

    4. Replace your front door. Your front door is typically one of the first things people see when they get to your home. Many of the newer front doors have extra safety precautions built in. This could help with everything from break-ins to fire safety all while adding style. Paint your new front door a fun color for some extra pizazz.

    5. Update your outdoor lighting. New outdoor sconces can add instant curb appeal. Not only will new sconces update the look of your home, the lighting can also add as extra security. You can set you your lights to come on with a timer and can even program the lights to come on when you are not at home. Lumens has great options to check out.

    Make your plans now! Spring is right around the corner and a new outdoor space will provide lasting enjoyment and a potential increase in the value of your property.


  • Best Migraine Treatment

    Best Migraine Treatment

    Are migraines taking over your life?

    If you suffer from migraines, it is important to identify the triggers that cause the migraine. Here are some of the most common triggers and treatments for chronic migraines.

    Triggers:

    1. Specific Foods: Heavily Processed foods, Alcohol, Refined sugar and caffeine (or the lack of) are some common dietary culprits. Keeping a food and drink diary for a week can help understanding of potential patterns between your diet and migraines.
    2. Stress: There are many different approaches to reducing stress.  Remedies including meditation, essential oils and listening to calming music are worth exploring.
    3. Light sensitivity: is one of the most commonly reported symptoms of migraine sufferers. Extended exposure to harsh lighting can further exacerbate mild headache symptoms. If you feel a migraine coming on it’s a good idea to take a break from staring at computer or phone screens.

    Remedies:

    1. Stay Hydrated: Many headaches are caused by dehydration.  Keep a reusable bottle for water with you during the day. This will allow you to drink water when you’re thirsty and help to keep you hydrated throughout the day. 
    2. Triptans: Triptans are medications that combat extreme migraine symptoms. Triptans work primarily by constricting blood vessels and blocking the brain’s pain receptors. Those at risk for heart attacks and strokes are urged to not take triptans.
    3. Botox:  Botox has proven successful for relief for migraines in many cases.  The FDA has only approved Botox for those suffering from chronic migraines. What does this mean? You must have 15 or more days of headaches each month. You must also be 18 years or older
    4. Reduce your Stress: Sources of stress vary for each person. A bit of introspection on what causes stress in your life may be useful to help with your migraines.

  • Get Your Degree Online- Our Review of Top Schools

    Get Your Degree Online- Our Review of Top Schools

    For many adults, it is easy to hit a roadblock in your career and the only way to advance and improve your income is to further your education. However, it is hard to find time to go back to college and traditionally finish a degree. This is why online degree programs, programs that allow you to do all of your degrees online without having to attend physical classes or worry about being somewhere at a specific time during the week, have grown in popularity.

    There are many different options for online colleges, but not all of them will provide a high-quality education that you need to further your career. Here is our review on some of the best online colleges:

    1. University of Florida

    If you are looking for an online college that is affordable and has great name recognition, then look no further than the University of Florida. While there is an online campus, UF offers 24 fully online programs that will lead you to your Bachelor’s degree. Most of the online programs offered include nursing, public relations, emergency services, communications, and business.

    As an online student from the University of Florida, you can enjoy added flexibility for creating a schedule that works around your time. UF provides policies that allow you to customize your course loads and study schedules while supporting the success of their online learners. You can even get complete access to the Career Connections Center to help you find advanced job search support, career coaching, and networking opportunities.

    The Benefits

    • 24 programs to choose from
    • Customize your schedule around other obligations
    • Affordable with great name-recognition
    • Provides exceptional career support as you finish your degree.

    The Drawbacks:

    • Hard to know when you will graduate if the scheduling changes.
    • Distance learning can be intense through this program for those not prepared.

    The Cost:

    The cost of attending UF online is $129.18 per credit hour or $28,659 annually.

    The Reviews:

    The Positive: Most students agreed that UF provided them with the best education online possible. The coursework is interesting and the professors gave more time and attention than many other online options. The online programs are mostly geared towards providing Bachelor’s Degrees, though some Master’s programs are not available as well.

    The Negative: Some students found that it was hard to connect with the professors, especially if the teacher of a class was not in the same time zone or the same city. This made it difficult to seek help or get recommendations after graduation.

    2. LeTourneau University

    This online university is based out of Texas and promotes itself as a Christian polytechnic university. Their goal is to combine a Christian worldview with a practical and innovative approach to education online. Any distance learner who works with this college can choose from more than 20 online programs in subjects from education, theology, business, and even theology. It also ranks high in aviation and aeronautical science education, providing five blended or fully online programs in these disciplines.

    Even if you have already started your education somewhere else, LETU will count you as part of their student body. In fact, out of 3175 students, hundreds are transfer students, which has led them to maintain an inclusive transfer credit policy. It is possible to waive 75% of your degree requirements if you have taken classes in other locations.

    The Benefits

    • There are more than 20 degrees to choose from.
    • Provides the best in aviation education if you choose to work with that degree.
    • Set up to work well with transfer students who want to finish there

     

    The Cost

    The annual tuition for this online university is between $9585 to $12,825 depending on which degree program you choose to use. Books and supplies will cost more.

    The Reviews

    The positive: The online school provides effective teaching from highly-qualified professors. Some worried about finding hands-on experience through the online portion, but the work is intense and prepares students for their future.

    The negative: The biggest complaint with this one is the lack of social life for both on-campus and online options. This makes it hard to meet others to network and meet others in your chosen career path.

    3. Keiser University

    This college was founded in 1977 and operates 21 campuses through Florida. The mandate of this college is to provide affordable, practical, and convenient career training to any adult learner who wants to expand their career options. This is still the object found in Keiser University today and they show this by providing 25 fully online programs for adult learners. It is also the third-largest nonprofit university system so they know what they are doing, serving more than 20,000 students.

    If you want to work with an online school that focuses on improving your career, then Keiser is a great choice. Keiser’s health science programs are some of the best in the area. Some of the degrees you can earn online through Keiser includes nursing, health services administration, health science, and health information management.

    The Benefits

    • Provides 25 online programs that are designed for adult learners who want to advance in their careers.
    • Their focus is all on helping adult learners so the classes are flexible and easy to use.
    • Has the rare Level VI designation because it awards degrees at all levels.

    The Negatives

    • It is specific in the types of degrees it offers, which can make it hard for certain degrees to work online.
    • The cost is a little higher per year than other options.

    The Costs

    The average cost each year to complete your degree online through Keiser is $16,690.

    The Reviews

    The positives: The professors are there to help and provide feedback on all assignments to help make sure you fully understand the material, which is a common issue in other online colleges. They are fast-paced and challenging so you know the material that you are learning. The online format relies on Blackboard, which makes it easier to interact with other classmates and knows when assignments are due.

    The negatives: Because this is a private college more than a public one, the costs are a little higher.Other options in Florida providee more affordable tuition for online classes.

    4. Drexel University

    Located in Philadelphia, Drexel University has many online bachelor’s programs to choose from. With 19 options across 10 subject areas, you are sure to find something that suits your needs. You can enjoy degrees in subjects including business, criminal justice, and behavioral sciences. The certified teachers, the advanced expertise, and all the program options lead to the school having a freshmen retention rate of 88%.

    In addition to providing a lot of great online programs offered through this college, it is one of the largest research universities. As an online learner, you can enjoy the ability to customize your degree path and your own schedules. e flexible policies are amazing because they allow you to take some of your previous college work and transfer up to 80 s80-semesterdits. This speeds up your degree completion time.

    The Benefits

    • A research university that can help you get more hands-on experience, even as an online learner.
    • The ability to transfer over previous college credits.
    • Flexibility to choose the schedule of learning that works the best for you.

    The Negatives

    Limited on the types of degrees that are offered online.

    The Costs

    The average cost for this online college is about $13,000 a year. Some degrees are a little lower and some may cost more.

    The Reviews

    The positives: Students enjoyed being able to customize their learning experience and the ability to work online on not just a Bachelor’s degree, but also a Master’s degree in some industries as well.

    The negative: Some teachers are slow to respond and give feedback on any questions the students may have, leaving some of them feeling left behind.

    5. University of Arizona

    Students who choose the online part of The University of Arizona get to enjoy all the benefits. This is one of the highest ranked highest-ranked count countries that provides a lot of great online programs. Online students get to pay the same tuition rates as in-state students, no matter where they take these classes and 93% of the students who studied online said they would recommend this college to others. Plus data from PayScale shows that this university placed first in a review of potential earnings among graduates in the state.

    If you choose to take your online classes from here, you can pick from 33 online bachelor’s programs. There are many options that you can choose including Accounting, Biochemistry, Business, Food Industry Management d Communications. The school also welcomes all transfer students, working hard to match learners with previous credits so the transition is as smooth as possible without needing to retake any classes.

    The Benefits

    • 33 online options to choose from.
    • 93% of the student learners would recommend this to their friends.
    • Earn the highest income out of all students in the state.
    • Tuition rate for students online is the same as in-state tuition, making this an affordable option.

    The Negatives

    Even though this comes with some good name recognition, it does cost more than other online degree programs, which can make it prohibitive to others.

    The Costs

    The cost of this online education is a little higher than the other options on our list, coming in at almost $37,000.

    The Reviews

    The positive: Since the online program provides in-state tuition, it can save money compared to being an out of state student, even if you are far away from the main campus. The great reputation and easy transfer process makes this an even better place to get your degree.

    The negatives: Some students were looking for more options in majors and found that signing up and getting the program ready to go was a little complicated. The tech support provided assistance that made this easier.

    6. Mercer University

    Mercer University was established in 1833 and is an accredited college in Macon, GA. This private nonprofit school provides a great reputation, ranking along with other leading private colleges in the state. Distance learning is one of the top educational priorities in the staStudentsents can choose between 21 online programs that lead to a Bachelor’s degree.

    In 2018, a new long-term development plan was approved that gave $200 million to increase research spending. This is great news for online students who are in degrees oriented around resethe arch. Some of the majors that benefit from an online degree from Mercer University include mental health-related, social science, informatics, human development, and healthcare.

    The Benefits

    • A prestigious private school with 21 online programs.
    • Many research-focused degrees with money to back them up.
    • Accredited and challenging classes to put students at the top of their field.

    The Negatives

    Mercer University is a private university, which can make it a little harder to get accepted.
    If you want a degree that is not research-focused, your options are limited.

    The Costs

    The cost of attending Mercer University online is about $19,000 a year. For a private college, this is an affordable choice for your online degree.

    The Reviews

    The positives: Teachers were responsive and knew the material. There were opportunities to work with research, even with the online classes, so this will help online students get a great education.

    The negatives: Many students were worried that the online and traditional courses were the same so you were not getting atrulye online experience through this. This did vary depending on the class that was taken though.

    Final Thoughts

    Choosing an online college provides you with opportunities to finish your degree and advance your career, even when you do not have time to sit in class all day long with a traditional college class schedule. There are many online colleges to choose from, but not all of them will provide high-quality education and affordable degree choices check out the online colleges we discussed above to help you determine the best place to earn your education.


  • Learn About Senior Living: Our Complete How-to-Guide

    Learn About Senior Living: Our Complete How-to-Guide

    The “Sandwich Generation”, comprised of mostly middle aged adults in their 40s and 50s, are caught between caring for their aging family members while raising their own children and attempting to build a nest-egg for their future.  These days the Sandwich Generation is quickly having to learn about senior care and how to navigate the growing industry as they are faced with tough decisions of how to best provide for the elderly in their lives.  This guide helps serve as a starting point on how to navigate the matrix of senior health care. 

    Making the decision to move a family member into a long-term care facility or nursing home can be a  challenging call and a heavy burden on the entire family both emotionally and financially. First the family must determine the best course of action considering the medical condition of the elderly, the potential need for short and long-term care and finally the financial situation of everyone involved. 

    If time is of the essence, consider the following first: 

    Often, family members are thrust into a decision after a hospitalization from a minor or major medical issue, forcing family members to quickly determine which nursing home is right as opposed to “if” a nursing home is the right option.  For those who need to make an immediate decision, the most important thing to consider is the financial situation.  The cost is generally comparable from home to home. However, it is important to determine if the homes you are considering accept medicare or medicaid payments. 

    For those who have time to evaluate and plan, you need to consider the following three critical factors: 

    1. Short-term and long-term health prognosis.  Start by first consulting with the family member’s medical doctor or care team to help determine the short-term and long-term potential needs.  
    2. Evaluate the financial situation of your family member. 
    3. Then begin considering which type of care is best –  home health care or nursing home care. 

    Home Health Care: At its core, home health care is just as it sounds – medical  and non-medical care provided in the home. Home health care can include many services provided by skilled medical professionals such as  physical therapy and nursing care.  Additional support can also include skilled non-medical and companion care to assist with basic needs such as help around the home, help with grooming, cooking and ensuring medication is administered properly.  Many families choose this option to prolong the family members time at home in their known environment.  Typically speaking, the cost is less than that of a nursing or long term care facility. However, home care support often requires oversight by a family member or friend and might need to be modified as the health condition of the family member evolves. While creature comforts are a major advantage of home health care, it is important to note that social engagements and community support are of critical importance for elderly and often need to be augmented by family members. 

    COSTING NOTE:  Home care tends to be less expensive than nursing care but costs will increase as health deteriorates and additional care is needed.  A general guideline on costing is $4,500 – $5,500 per month. IMPORTANT – this is based on U.S. average and can vary greatly per state and need. This should be used as a guideline only. 

    Nursing Home Care

    A nursing home is a facility for the residential care of elderly varying in needs of medical support.  Nursing homes can also be known as skilled nursing facilities, long-term care facilities, retirement homes, convalescent homes or group homes.  Each may offer slightly different types of support and care. Generally speaking, a nursing home is used by elderly who do not need to be in a hospital, but need additional support from professional nurses and skilled care givers.  Nursing homes provide around the clock care and have access to medical professionals in the event a resident needs support.  Like home-health care, nursing homes can provide basic support, like administering medication to dementia care and day-to-day grooming support.  An additional advantage to a nursing home is the built-in community and social engagement opportunities. 

    COSTING NOTE:  Home care tends to be less expensive than nursing care but cost will increase as health deteriorates and additional care is needed.  A general guideline on costing is $6,000 – $7,500 per month. IMPORTANT – this is based on U.S. average and can vary greatly per state and need. This should be used as a guideline only. 

    How to Select a Nursing Home

    CONSIDER THE FOLLOWING:

    First, consider what you want and what your family member needs. What is critical and what is nice to have —nursing care, meals, physical therapy, a religious connection, hospice care, or special care units for dementia support, social activities. A few additional questions to consider: 

      • Does my relative get to choose a roommate? 
      • Can he/she still have her favorite foods?
      • What religious services are provided? 
      • Who is responsible for laundry and should clothes be labeled?
      • What is the distance from your home?
      • Do they accept local or federal financial payments, like Medicare or Medicaid?

     

     

    ASK FOR RECOMMENDATIONS: Talk to friends, family and religious leaders who know your loved one well. Their healthcare providers will also likely have some wonderful suggestions.  Talk with friends, relatives, social workers, and religious groups to find out what places they suggest. Check with healthcare providers about which nursing homes they feel provide good care.

    ADDITIONAL RESOURCES: Medicare offers a great resource on their Nursing Home Compare website. Their site allows consumers to compare information based on yearly surveys conducted in person by the Department of Public Health according to strict criteria. It contains quality of care information on every Medicare and Medicaid certified nursing home in the country, including over 15,000 nationwide.

    NARROW YOUR FOCUS: 

    Call every facility on your recommendation list and ask the critical questions from above along with key details like: 

    • Average cost per month
    • Resident to care provider ratio 
    • Advanced support (e.g., hospice – should it be necessary) 

    NOTE: Facilities can range from small independent homes to large corporate backed homes, each offering pros and cons. Don’t rule one out based solely on size. 

    Once you have selected a few facilities that  fit your needs, prepare to visit each home. It is important to meet the facility director as well as the nursing director.  Medicare has provided the following home checklist: Medicare Nursing Home Checklist (PDF, 178K) for additional ideas like: 

    • Medicare and Medicaid certification
    • Handicap access
    • Residents who look well cared for
    • Warm interaction between staff and residents

    During your visit, be sure to ask lots of questions such as schedules, approach to senior care, tenure, turn-over rate, etc. Once you have your top 2, plan for a follow-up visit on a different time or day of the week to see different activities, meal services and procedures. 

    Paying for Nursing Home Care

    If independent funds are unavailable, limited federal or state support might be available. Unfortunately, the supplemental support varies greatly per state and will require additional research. 

    IMPORTANT NOTE:  Definitions and terminology can also change – for example Nursing home vs. Assisted living home can have different meanings

    The  2019 State Medicaid Assisted Living Benefits guide has a wonderful recap with more links and information. 

    State Medicaid Policies and Programs for Assisted Living  
    Alabama Alabama has several Medicaid programs that help individuals remain living in their homes, but does not currently provide assistance for those in assisted living.  
    Alaska The state of Alaska will pay for assisted living or “Residential Supported Living Services” through the Alaskans Living Independently Waiver, as well as Adults with Physical Disabilities Waiver. Enrollment may be capped, and therefore, waiting lists for services may exist.  
    Arizona Arizona, through the Arizona Long Term Care System (ALTCS) will pay for services for individuals residing in an assisted living community, provided there is space available in the program. Self Directed Attendant Care offers ALTCS program participants the option to choose their own care providers  
    Arkansas Arkansas now offers two options that help pay for assisted living for Medicaid beneficiaries.  The specifically designed Living Choices Assisted Living Waiver is a great option. Personal Care under the state’s regular Medicaid program can be provided to assisted living residents, and via this program, program participants can self-direct their own care through the Independent Choices Program  
    California Medi-Cal (California Medicaid) pays for assisted living via the Assisted Living Waiver (ALW). This waiver is not available statewide, and as of 2019, assisted living residences are available in only 15 counties. However, persons not living in those counties can choose assisted living residences in those counties.  
    Colorado Colorado has an Elderly, Blind and Disabled Waiver (EBD) that allows program participants to receive care services in an assisted living residence. Be aware that assisted living is referred to alternative care facilities. Via the Consumer Directed Attendant Support Services (CDASS) option, EBD program participants can choose and hire their own care providers.  
    Connecticut Medicaid in CT pays for care in assisted living (which it calls congregate housing) through the Home Care Program for the Elderly (CHCPE). The Connecticut Assisted Living Program further explains the assisted living services under CHCPE. Adult Family Living is another option, although it is analogous to adult foster care, not assisted living.  
    Delaware Through the Diamond State Health Plan Plus program Delaware provides assistance to individuals in assisted living.   
    D.C. The District of Columbia Medicaid program offers the Elderly and Persons with Disabilities Waiver which now covers assisted living in limited situations.  
    Florida Florida has eliminated its HCBS Waivers and now covers assisted living through the Statewide Managed Medicaid Care – Long Term Care.  
    Georgia Under Georgia’s Community Care Services Program, assisted living services, also referred to as alternative living services, are provided. The Georgia SOURCE Waiver also includes this benefit  
    Hawaii Hawaii offers Med-QUEST (Medicaid managed care), which will pay for an individual’s nursing services in assisted living residences. Another option is Adult Foster Care which provides assisted living type services in small home-like environments.  
    Idaho Idaho Medicaid provides three programs that pay for participants’ personal care regardless of the location in which they reside (at home or in assisted living) provided they do not live in a nursing home. These programs are the HCBS Aged & Disabled Waiver, Personal Care Services Program and the Idaho Medicare Medicaid Coordinated Plan.  
    Illinois Illinois offers the HCBS Waiver for Supportive Living Facilities. While there is an enrollment cap on the program, the state does offer a large number of slots and has many more residences under development.  
    Indiana Indiana includes assisted living as a benefit under its Aged and Disabled Waiver (A&D) provided participants reside in Medicaid approved assisted living communities. The waiver also offers an alternative to assisted living called Structured Family Caregiving.  
    Iowa Iowa allows residents to consumer direct their attendant care. Attendant or personal care can be provided at home or in assisted living. The HCBS Elderly Waiver is the name of the program that provides funding.  Another option for adults under 65 is the Health and Disability Waiver.  
    Kansas Medicaid in Kansas (KanCare) offers payment for nursing services regardless of the location in which an individual resides, be that at home or in assisted living. Funding is provided by the HCBS/ FE Waiver.  
    Kentucky Kentucky Medicaid has the Supports for Community Living Waiver, which covers adult foster care. However, it is not available to most seniors as it is for persons whose intellectual or developmental challenges developed prior to the age of 22.  
    Louisiana Louisiana Medicaid does not currently provide assistance to individuals to help with the cost of assisted living. However, under the Community Choices Waiver, there is a benefit called Monitored In-Home Caregiving, which is similar to adult foster care.  
    Maine MaineCare (Medicaid’s name in Maine) offers two Medicaid programs that help persons remain living in their homes, but does not currently provide assistance for those residing in assisted living facilities.  
    Maryland For Medicaid (called Medical Assistance in Maryland) eligible individuals who are assessed as requiring a higher level of care, but do not have a need so great that it would be less expensive for them to live in nursing home, Maryland Medicaid will pay for assisted living under the Community Options Waiver (formerly the Waiver for Older Adults).  Another option with different eligibility criteria is the Increased Community Services (ICS) Program. Finally, Community First Choice, under the state Medicaid plan, will provide care services in assisted living.  
    Massachusetts In Massachusetts, Medicaid is called MassHealth. MassHealth pays for personal care for individuals living in assisted living through the Personal Care Attendant program. Massachusetts also has a program called Caregiver Homes in which participants receive a similar level of 24/7 care as they do in assisted living but instead live in the private homes of caregivers. Finally, Group Adult Foster Care covers personal care but not rent.  
    Michigan Through the Michigan Choice Waiver Program, the state will pay for assisted living. However, the state may refer to it as adult foster care or homes for the aged. Another option is Health Link.  
    Minnesota Minnesota pays for assisted living through the Medicaid Waiver called the Elderly Waiver. As with most waivers, participation is limited.  A second option is the Community Access for Disability Inclusion (CADI) Waiver.  A third option is the state’s Medicaid managed care program called MSC+ & MSHO is available via all programs above.  
    Mississippi Mississippi has a Medicaid Waiver specifically designed to help individuals reside in assisted living residences. Read more about the Assisted Living Waiver.  
    Missouri Missouri Medicaid covers the cost of personal care for qualified individuals through its Aged and Disabled Waiver. The waiver does not specifically designate the residential location of the care recipient other than to exclude personal care from being provided in a nursing home.  The same rules apply to the State Plan Personal Care option. The Supplemental Nursing Care Assistance Program also offer financial assistance for both assisted living and nursing home care. Finally, Medicaid Care Options provides long-term care services in assisted living.  
    Montana The Montana Home and Community Based Services Medicaid Waiver will cover the cost of care services in assisted living for its participants. Note that this waiver refers to assisted living as Adult Residential Living.  
    Nebraska Nebraska offers residents the Aged and Disabled Medicaid Waiver. Under this waiver, assisted living is an included benefit.  
    Nevada Nevada HCBS Waiver covers “augmented personal care” or in more common language, the program covers personal care in assisted living residences. Another option for disabled adults of any age is the WIN Waiver.  
    New Hampshire New Hampshire, through the Choices For Independence Medicaid program pays for assisted living. However, it is referred to as adult family care in the list of the program’s benefits.  
    New Mexico New Mexico now has a managed Medicaid program for long term care.  Under this program, titled Centennial Care Community Benefit, assisted living is an included benefit.  
    New Jersey New Jersey has a Medicaid managed care program called Managed Long Term Services and Supports (MLTSS), which includes assisted living as an option.  
    New York New York offers the Assisted Living Program (ALP), which provides approximately 4,200 units statewide in licensed assisted living communities.  However, this program is not strictly open to Medicaid participants. Personal care provided under Managed Long Term Care can be provide to persons residing in assisted living, as can the Consumer Directed Personal Assistance program.  
    North Carolina North Carolina’s Medicaid State Plan Personal Care option provides personal care assistance in assisted living.  
    North Dakota North Dakota’s State Plan Personal Care is provided regardless of the living situation (excluding nursing homes).  
    Ohio Ohio offers a Medicaid waiver specifically for assisted living called the Assisted Living Waiver Program. This program pays for care services in residential care communities but does not pay for the room and board cost. There are a limited number of slots available and participants must select from approved providers. In certain counties, for persons eligible for both Medicaid and Medicare, the AL Waiver has been replaced with a Managed Medicaid program called MyCare Ohio.  
    Oklahoma Through Oklahoma Medicaid’s ADvantage Program Waiver, services in assisted living communities are covered. Under the Medicaid State Plan Personal Care can also be provided to persons living in assisted living.  
    Oregon Oregon, under the K Plan (part of the Community First Choice state plan option), offers attendant care services as a benefit regardless of the location in which the beneficiary lives (except for nursing homes).  Eligible locations include at home, in adult foster care, independent living or assisted living communities.  
    Pennsylvania Pennsylvania does not provide financial assistance or care services funded by Medicaid to residents that live in assisted living communitie. However, the Department of Aging Waiver does provide personal care assistance in domiciliary care homes, which can be thought of as adult foster care. There is also the Community HealthChoices Program, a managed care program, which provides personal care assistance in domiciliary care homes. Additionally, PA offers a supplement to Supplemental Security Income (SSI) to persons who are living in non-nursing residential care.  
    Rhode Island Rhode Island has a program called SSI Enhanced Assisted Living that provides up to approximately $1,500 / month to be put toward the cost of assisted living. However, this is not a Medicaid program. RI does have a Medicaid program called RIte @ Home, which offers 24/7 personal care in a caregiver’s home, but not in assisted living communities. Finally, the state’s Global Consumer Choice Compact Waiver covers supported services in assisted living.  
    South Carolina South Carolina Medicaid under the Community Choices Waiver includes assisted living as a benefit.  
    South Dakota Under South Dakota’s HCBS Waiver for the Elderly, (now called the HOPE Waiver) services in assisted living communities are covered.  
    Tennessee TennCare CHOICES in Long-Term Care Program helps participants that wish to reside in assisted living communities by paying for nursing and personal care services in those communities. Room and board however are not considered eligible expenses for the Medicaid Waiver.  
    Texas Texas Medicaid will cover the cost of services provided in an assisted living community through the state’s STAR PLUS program.  The cost of room and board is not included.  
    Utah Utah Medicaid pays for services in assisted living residences via the New Choices Waiver.  
    Vermont Vermont’s Choices for Care Medicaid Waiver operates under the Global Commitment to Health Waiver and continues to pay for services in non-nursing home, residential care facilities.  Another Medicaid option is Assistive Community Care Services.  Finally, there is the Attendant Services program.  
    Virginia Virginia does not currently have a Medicaid program that helps to pay for assisted living. However, while the VA Adult Services program does not provide care services in assisted living, it does provide assisted living assessments.  
    Washington Washington has Medicaid waivers and programs that provide help for residents in assisted living or adult family care. Two of the options, the Medicaid Personal Care program and the Community First Choice program, are state plan options that provide care assistance. The COPES Program also has an assisted living option, as does the New Freedom Program. Finally, the Nurse Delegation Program is a unique program that trains non-medical caregivers to assist with some medical related tasks  
    West Virginia West Virginia, through its Medicaid Personal Care option will pay for personal care for state residents if they live at home or in assisted living, but does not cover rent.  
    Wisconsin Wisconsin, in a limited capacity, provides services to state residents that live in assisted living communities through Family Care program which is designed to replace COP-W.  Another option is Personal Care, provided under the general Medicaid program. Finally, persons can receive care assistance in assisted living residences via IRIS.  
    Wyoming Wyoming Medicaid offers the Community Choices Waiver.  This program will pay for a variety of personal care and nursing services for residents in assisted living, but notably does not pay for their room and board costs.  

    While the process can seem daunting at times, researching and planning for the future of your beloved senior will help ease the transition for all.


  • Searching for the Best Hearing Aids?

    Searching for the Best Hearing Aids?

    When you can’t hear, it’s miserable.

    Don’t let that loss dictate your life and lifestyle! Try out some of the top hearing aids and see how new technology can help you get back into the conversation!

    The 3 Best Brands
    Accolades Best Overall Best Design Best Connectivity
    Bluetooth Yes Yes Yes
    Phone Compatibility Yes Yes Yes
    Low Profile Yes Yes Yes

     

    An Overview of Hearing Loss

    Hearing loss due to aging is a common condition that impacts many older adults. Almost 1 in 2 adults over age 65 experience some degree of hearing loss. Age-related hearing loss is also known as presbycusis. Hearing loss can affect anyone at any age and the statistics according to the National Institute on Deafness and Other Communication Disorders are astonishing. On top of that, the average delay between the time someone is affected by hearing loss and when they finally seek treatment is a long 7 years. Lucky for you, you have come to the right place to learn about hearing loss. Let’s look at the 7 Signs of Hearing Loss.

    Two Types of Hearing Loss
    1. Sensorineural
    Sensorineural hearing loss is the most common type of hearing loss. It is permanent and caused either by damage to tiny hair-like cells in the inner ear or to the auditory nerve. The auditory nerve carries important information about the loudness, pitch, and meaning of sounds to the brain.
    2. Conductive
    Conductive hearing loss is caused by a mechanical problem in the outer or middle ear or an obstruction in the ear canal such as ear wax that blocks sound from getting to the eardrum. It can be permanent but more often, it is temporary and can be medically treated. Mixed hearing loss results when there are components of both sensorineural and conductive hearing loss present.

    7 Signs of Hearing Loss

    1. Words Begin to Drop from Conversations
    Increasing difficulty with understanding other people, especially in noisy environments such as crowded shopping malls or loud parties, may reveal a declining ability to distinguish speech from noise. It’s common for people to respond to this problem by asking for speakers to repeat themselves, to speak more loudly, or to slow down. Television and radio speech may also seem to fade into unintelligible gibberish. Conversations in general seem to lose their color and vibrancy.

    2. Becomes Increasingly Difficult to Have ‘Normal’ Social Situations
    Without quite realizing why, a person suffering from creeping hearing loss may increasingly retreat from social situations. They somehow seem too difficult, often leading to awkward moments when a critical point is missed, or a joke is misheard. It begins to seem as if plunging into even a crowd of longtime friends or close business associates results in nothing but inexplicable, growing social isolation.

    3. People Sound Like They Are Mumbling
    Other people may seem to slowly acquire a bad habit of failing to clearly enunciate their words. Consonants disappear into the mist as vowels rudely strut to the fore. This perception often indicates a loss of the ability to clearly hear higher-frequency or softer sounds such as sibilants. Similarly, snakes lose their hisses, clock alarms ditch their high-pitched beeps, and machine clicks such as those from automobile turn signals seemingly disappear.

    4.Tinnitus (Random Non-Existant Noises)
    Unexplained sounds such as buzzing, ringing, or clicking in one or both of your ears could very well indicate a significant medical problem that requires professional attention. Long-term exposure to loud sounds such as unmuffled gunshots, blaring rock-music concerts, and clanging industrial machinery can produce persistent, sometimes permanent tinnitus. Sinus and ear infections, hormonal changes in women, and common reactions to many medications can result in temporary or persistent tinnitus.

    5. It Becomes Increasingly More Difficult To Hear Children and Womens’ Voices
    Females and children generally have higher, softer voices than adult males, which means communication with children and grandchildren may be one of the first victims of encroaching hearing loss. For a devoted parent or grandparent, this can be devastating. A spouse may begin to drift away from a significant other because ordinary conversations have become oddly difficult. A similar problem may arise with failing to understand strongly accented voices as their tonal edges seem to gradually disappear.

    6. Turning Up The Volume On All Devices
    Routine annoyance with strangely soft audio levels from televisions, smartphones, and other audio devices may instead constitute a barely noticed symptom of gradual hearing loss. A growing habit of cranking up the sound to unusually high levels often signifies that it’s time to seek professional testing for hearing problems.

    7. Loss of Richness in Sounds
    Regardless of their volume or nature, sounds from all sources seem to grow muffled and flat. Birdsong becomes simpler and less nuanced, and human voices seem to abandon their ordinary tonal ranges. Long-loved musical performances and songs grow dull and uninteresting. Even ordinary noises like hammering from construction projects and the roar of motor vehicles seem to devolve into dull cartoon versions of their former selves. Such an evolution from complexity into lifeless simplicity is oddly easy to overlook if it happens slowly enough.

    The Final Thought
    While hearing loss before 55 is rare, the ratio is 1:2 in those older then 55. Hearing aids can be rather expensive, but may be covered by your part B Medicare plan. Original Medicare and most Medicare Supplement (or Medigap) Plans don’t cover hearing aids, routine hearing exams, or fittings for hearing aids. This means that without other insurance, you could pay 100% of the cost for routine hearing exams, fittings, and hearing aids.

    Medicare Part B does, however, cover diagnostic hearing tests that your doctor orders for a medical need like a recent hearing loss due to illness or injury. If your doctor orders a diagnostic hearing test. You would pay 20% of the amount approved by Medicare, plus the Medicare Part B deductible.

    Visiting an audiologist is usually the first response to possible hearing loss. If necessary, an otolaryngologist — an ear, nose, and throat specialist — can conduct a thorough examination to uncover underlying medical issues. Treatment might include simple removal of excessive earwax, antibiotics for a sinus infection, or even small, unobtrusive hearing aids that can reclaim much of your lost sound. Only your medical professional can provide comprehensive information on possible causes and treatments.

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  • Everything You Need to Know About 5G!

    Everything You Need to Know About 5G!

    Today, just about every smartphone maker is working on 5G-ready phones.

    2020 is proof that the world is ready for 5G Phones. So, whether you’re buying now or simply reviewing to buy later, this blog post is for you.
    Buying a 5G mobile makes a lot of sense right now as several mobile operators, the likes of AT&T and T-Mobile, roll out 5G coverage to even more cities. This will give 5G phone users even more access to extra bandwidth and super-fast speeds.

    On top of that, you’ll also notice that the price premium of upgrading to a 5G phone is shrinking as we move further into 2020. Soon, there should be a wide range of 5G phones to pick from.

    5G Explained – What Is 5G?

    Simply put, 5G is successor to the common 4G/LTE, which also succeeded 3G. As you can see, there’s a pattern here. As more phones and networks become 5G-capable, more smartphone users will start enjoying faster download and upload speeds, among many other benefits 5G has to offer.

    The speed of the 5G network connection depends more on the device you are using, the network you are on, and the location. But there are always improvements being made. There’s a time when you will be able to download 4K movies on your device in a matter of minutes or stream 4K movies on Netflix or Hulu on the road.

    However, 5G isn’t just about the connection speed. It’s also about your phone’s capacity and the ability to get a stronger signal even in crowded areas. That’s to say, you shouldn’t lose or have a slow connection when you are at a crowded music festival or stadium.

    Why You Should Get A 5G Phone Today
    Thanks to the super-fast technological enhancements, 5G is no longer a thing for the future. It’s here, and now. And the new networking standard has come with a set of perks that will wow even the reserved smartphone users.

    Here’s why you should get a 5G handset today:

    • 5G Is Faster Than 4G/LTE
    This is perhaps the main reason why you should get a 5G-enabled phone today. 5G networks deliver super-fast speeds with lower latency compared to its 4G counterpart. You will notice significant marked improvements in both download and upload speeds on 5G networks than 4G networks. With 5G networks clocking speeds of up to 1Gb/s or more, it’s safe to say you can download a full 3-hour film on a 5G phone in under a minute or two.

    • 5G Is Becoming More Widespread
    5G coverage is becoming easier to find as time goes by. Network operators like T-Mobile are working round the clock to boost its 5G network coverage throughout the nation. It already covers over 5,000 cities, and over 200 million people have access to it. And that figure is set to expand even faster once the T-Mobile Sprint Merger goes through. So, if your area doesn’t have 5G coverage yet, it will soon enough.

    • 5G Phones Are Plentiful
    As aforementioned, smartphone manufacturers are producing even more 5G phones and setting them on the market. When Verizon turned the switch on its 5G service in Minneapolis and Chicago last April, there wasn’t even a single phone that had 5G-support built in to use on this first commercially available network. Smartphone users had to but the Moto Z3 and a 5G Moto Mod attachment to connect with this network.

    Today, however, you’ll find a handful of 5G phones coming out almost monthly, from Samsung, LG, and OnePlus. But the first 5G-enabled phones were usually limited to specific areas and were very pricey as well. It’s quite a different story now as most of the latest smartphones feature 5G and work with almost every carrier.

    • 5G Is Future-Proof
    Another noteworthy fact about 5g phones is that most of them are arriving this year. And they use Qualcomm’s X55 5G modem. This modem can reach speeds of up to 7.5Gb/s, which is just insane even for 2020 and can work comfortably with different 5G networks without a cinch.GG

    Now, on to the meat of this excerpt. Here’s a detailed list of the best 5G phones you should consider buying in 2020:

    1. Samsung Galaxy S20 Plus
    At the top of our list is the S20 Plus, which most of its users claim is just the best phone overall in 2020. It’s also the best 5G phone you can get in the market today since it works on all 5G networks. It supports AT&T, T-Mobile, and Verizon. So, you’ll be supported and connected no matter which 5G network you’re on. The Snapdragon 865 processor makes 5G connectivity possible and delivers performance that matches or surpasses any other Android phone.

    It also has a QHD AMOLED screen that lets you get a 120Hz refresh rate, allowing for smoother scrolling an even better mobile gaming experience. Samsung made several significant improvements on its phone’s camera as well, with a 64MP telephoto lens that stands out for its super-crisp zoom shots.

    Perhaps the biggest know users realize when buying the S20 Plus is its price tag. At $1,199, you know this isn’t a device for people on a budget. However, you get a lot more from the phone for that hefty price. The 120HZ refresh rate has also been known to impact battery life, especially when using power-intensive apps or games.

    2. OnePlus 8 Pro
    Next in line is the OnePlus 8 Pro. This is one of the best Android phones on the market today, and it costs $300 less than the Galaxy S20 Pro. However, the 8 Pro is more limited compared to its rival phones for 5G connectivity purposes. The 8 Pro is only available unlocked. Therefore, you cannot buy it through any specific wireless carrier.

    But more significantly, the 8 Pro works only on sub-6HZ-based 5G networks. As a result, it cannot benefit from mmWave-based 5G. So, Verizon customers will have to shop for a different phone as Verizon relies heavily on mmWave for its connectivity.

    However, this is less of a concern, especially on T-Mobile, which was built on sub-6Ghz 5G. So, if this handset is compatible with your carrier, you will have one of the most powerful Android phones with a smooth and vibrant 120Hz screen, a ridiculously fast charging speed, and very good quad cameras. Moreover, Google is constantly sending upgrades and security updates to this phone. So, you know you are in great hands.

    3. Samsung Galaxy Fold 2
    Inasmuch as 5G phones may be getting cheaper, the Fold 2 seems to be heading in the opposite direction, with a market price of $1,999, this is perhaps the most expensive 5G phone on the market today. But Samsung never disappoints, especially when it comes to exclusive features and value, and the Fold 2 is beaming with them.

    First, this handset has the Snapdragon 865 Plus processor, which connects to any 5G network and delivers superior performance. The Fold 2 opens up to a 7.6-inch screen, which is perfect for video streaming over 5G’s faster network speeds. The screen also allows its user to multitask easily without a cinch.

    In addition to being pricey, the Fold 2 isn’t a slender handset, especially when folded up. You will have to carry it around in your coat pocket instead. But overall, this is the best foldable phone you can find in the market today. And It also happens to be 5G-enabled.

    4. LG Velvet
    The LG Velvet is another fantastic 5G phone and sells for less than $600 today. It features a stylish design and comes in a bright, colorful display that shames its more expensive rivals. The LG Velvet supports two 5G networks, which are Verizon and AT&T. It also has a Snapdragon 765G processor that delivers a solid performance for the price. Its cameras are also pretty slick. But somehow, they don’t work as well on low light.

    This handset works with both Verizon and AT&T. There’s a T-Mobile version that’s set for unveiling soon. Customers will also have to pay an extra $50 premium for models that use LG’s high-speed 5G signal. Either way, you’ll have the luxury of toting around with one of the best 5G handsets currently available. Recent customers also applaud its decent performance, battery life, and cameras. And the fact that it is 5G-enabled is a bonus.

    5. Motorola Edge
    The Motorola Edge is another top-notch 5G phone that supports all network programs. That’s because it comes unlocked, allowing its users to use any 5G network with it. It also has one of the best batteries in the market and can last up to 12hours when its screen’s refresh rate is set to 60HZ. The 90Hz refresh rate consumes more power but doesn’t impact the battery life too much.

    On the downside, the Motorola Edge suffers in the camera section. Therefore, if mobile photography is your forte, you should look elsewhere. But where it lacks in one area, it makes up for in another. This is a great 5G phone option, especially for someone who uses his/her phone all the time and doesn’t want to deal with issues of their phones dying on them.

    6. Samsung Galaxy S20 Ultra
    Here’s another amazing Samsung Galaxy flagship whose 5G networks support T-Mobile, AT&T, and Verizon. Priced at $1,399, the S20 Ultra also boasts plenty of features, with 5G being one of them. Overall, this is the handset to turn to if money is no object to you.

    The S20 Ultra also has a 120Hz refresh rate, which allows for a much smoother and immersive experience when using the phone. It also has a 5,000mAh battery that allows more uptime even when handling power-intensive applications or games. Its quad-lens rear cameras are excellent for taking some of the best pictures on a handset. And the powerful Space Zoom works up to 10x.

    7. The Motorola Edge Plus
    Finally, but not the least on the list is the Motorola Edge Plus. This is just the ultimate 5G mobile phone for Verizon customers. That’s mainly because it was built to fly on the carrier’s mmWave network and supports Big Red’s sub-6Hz deployment.
    Unfortunately, the Motorola Edge Plus is only available on Verizon, meaning it’s not the 5G phone for everyone. Overall, you will be impressed with this handset’s performance, powerful speakers, and display. Its cameras may also not measure up to its competition, and its battery life isn’t the best in the industry either.

    However, if you want the best 5G experience using a handset on Verizon, this is your best option. It’s currently valued at $999, which most people would consider as too pricey. But you could also go for the Motorola Edge unlocked, which is a less expensive version though you will have to deal with the less powerful processor and smaller battery too.

    Overall, the Motorola Edge Plus offers great performance for a 5G phone, has a headphone jack, which is a blessing in some of these recent phones, and a booming audio. It’s one handset you should consider buying to get the most out of your 5G network experience.

    5G Phones Aren’t Just for Enthusiasts Anymore
    From the above excerpt, it’s evident that 5G coverage is growing at an exponential rate. However, it’s not yet to the point where you can say 5G phones are affordable and owned by a vast majority of smartphone users. But what we know so far is that the smartphone market is already trying to adjust its current and future handsets to feature 5G connectivity or miss out as everyone else moves forward.

    Very soon, it will get to a point where every phone released in the market is 5G-enabled. Anything less won’t sell as much. Some of these phones also have great hardware and should be set to serve you for several years before you need another upgrade. But for the prices they fetch, this should be obvious.
    Overall, having a 5G phone now is more of a need than a want. A year from now, 5G will be a great side-benefit. So, better start investing in a handset that’s set to serve you for the next few years and guarantee you the use of the fastest network speeds yet.

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  • Home Improvement: Big Projects & DIY Ideas

    Home Improvement: Big Projects & DIY Ideas

    These days we have all spent a lot of time at home due to the global pandemic. After you’ve finished off the puzzles and games, many people are considering small or large remodeling projects to improve their space. Whether you’re looking to upgrade your kitchen, redesign your bathroom or even create a new work space for you or others in your family- we’ve put together some helpful tips and information to get you started.

    How To Remodel Your Kitchen

    With regard to return on investment, a kitchen remodel is a great way to not only improve your space, but also increase the value of your home. Remodeling your kitchen will also bring you joy and potentially increased utility. After all, it’s one of the rooms where we congregate and spend a lot of time.  When considering a Kitchen Remodel, most of the time you will need to hire a professional contractor. Make sure to get a great recommendation and evaluate bids. Remember- most of the time you get what you pay for with regard to quality and craftsmanship.

    On average, many people spend between $15,000-$50,000 for the kitchen remodeling. However, if you’re looking to save- there are a few areas that you can do yourself. .

    Consider the following:

    Hire A Professional Kitchen Designer

    The best thing that you can do for yourself is hiring a professional. When it comes to trends, selections on finishes and appliances- a trained eye will pay dividends for you on the finished product.

    A kitchen designer can help you with:

    • Developing a vision for your kitchen. You can expect what your kitchen would look like!
    • A professional kitchen designer can help you with design plans with relevant drawings and 3D models.
    • Selecting the right products and materials for your kitchen.

    The kitchen designer can cost anywhere between $65-$250 per hour.

    Paint Your Kitchen

    If you can’t hire a professional and don’t have the budget, don’t worry. A coat of paint can go a long way in regard to improving the look and feel of your space. Compared to other improvements you can do, painting is relatively cheap. Plan on paying $10-$30 a gallon depending on the paint you select. Don’t forget tape, mask and paintbrushes…!

    Upgrade Your Kitchen Cabinets:

    Replacing your old kitchen cabinets with new ones can make a world of a difference. However, crafting and installing new cabinets is usually one of the most expensive improvements you can do in a kitchen. If you can live with your existing cabinets think about a few cosmetic improvements. New handle and drawer pulls can completely change the look of your cabinets and drawers as well as update the look of your space. In addition, painting the cabinets instead of replacing them is a fantastic way to save on your overall budget. When it comes to painting cabinets- it is typically a good idea to leave it to a painting professional. The main reason is that most cabinets are painted with high gloss enamel, and sprayed on with a professional paint sprayer. Unless you know what you’re doing- your cabinets can turn out worse than you started if you try to do it yourself.

    Don’t Forget The Kitchen Countertops:

    Adding new countertops and a new backsplash is a great way to update the style and look of your kitchen. Countertops aren’t cheap- but paying a bit more for a high quality composite counter or a solid stone like marble will create a finished product that you will love for years to come.

    Change The Flooring:

    Many people forget to include allocating budget for new flooring in their remodeling plans. In short- if you’re upgrading the counters and cabinets- the old floor will stick out like a sore thumb if you don’t change it. Costs vary greatly depending on if you’re considering a laminate, tile, or hardwood. Back of the envelope pricing:

    • A Hardwood floor can cost $4000.
    • A ceramic tile can be up to $1600.
    • A porcelain tile can be up to $2300.

    New Appliances:

    Updating your appliances is a must with regard to a kitchen remodel. Replacing a refrigerator, range, and dishwasher covers the basics. Most people will look to match the brand and finish of the appliances they select. Again, you get what you pay for when it comes to higher end appliances- but not only will you benefit from spending a bit more up front- but high quality kitchen appliances are a big factor in influencing the resale price of your home or apartment.

    Here are some examples of appliances to consider:

    1. Best refrigerators of 2020
    2. Cooktops and Ranges
    3. Best Kitchen Sinks of 2020

     

    DIY Home Improvement Ideas

    If you don’t have the budget for a major remodel like a kitchen, there are many projects you can tackle yourself that will improve your space. We’ve highlighted a few ideas below:

    Painting Walls and Trim

    You’ll be surprised at what a coat of paint can do to improve the look of your house. Anybody can paint- but not everyone can paint well! Follow these few tips to ensure your paint job comes out looking professional:

    1. Preparation is EVERYTHING! Taping off and masking what you don’t want painted is almost more important than the painting itself. You are bound to drip paint and make mistakes. If you have prepped your area correctly first, you will save yourself the headache of fixing your mistakes later.
    2. Spackle & Painters Putty- Make cracks and nail holes disappear like magic. Paint by itself typically isn’t thick enough to cover up wall cracks. Put spackle on holes and cracks. Make sure to leave a little extra on- since you will be sanding it off when the spackle dries.
    3. Sand the walls lightly before you start painting: Buy a few coarse grit sanding sponges and lightly sand the space you’re going to paint. After you sand, sweep off the dust with a dry brush. This will ensure that your paint won’t peel later.
    4. Spray, Roll On, or Brush? For most DIY’ers, we recommend paint rollers with a 1/2 inch knap. Combine this with a 2″brush for detail work in corners and baseboards for a good finished product. Keep the paint roller and paint brush full of paint- if you do, you can get away with finishing a room with one coat.
    5. Instead of a paint tray, get a five-gallon bucket and a drop in paint screen. This method is easy to move around and will help you minimize spills and messes.

    Add Suitable Lighting

    Gone are the days when traditional lights and lightbulbs are your only choice. Now is the time for modern lights! Even Alexa can switch on the lights for you. Yes, you can make your life easy by adding modern systems. Here are a few ideas for lighting.

    However, when you are a little tight on the budget, you can consider LED lights. These LED lights are energy-efficient and thus, would be suitable in the long run. They emit bright light and make your rooms more relaxed. The dimming capability of the LED lights can make these your favorite.

    Check out some LED lights here. You can see what prices are suitable for you.

    Spruce Up your Space with Art

    Art is personal, but investing in a few great pieces can really change the feel of your space.

    Check out some styles here.  You’ll find that you don’t have to break the bank to have some great art pieces in your house. You can get some styles from Amazon too. It totally depends on what you prefer! Plus, Facebook Marketplace is another place to look for.

    Updating Furniture

    Another thing that you can do at your home is to change your furniture. It’s possible that you have been using the same sofa since your 25-year-old kid was a baby! Now it’s time to upgrade your furniture items. We’ve included some links to give you some ideas below :

    Add Home Furnishings

    Table linens, pillows, curtains, and accent pieces can add a lot of style to your space.

    You just need to have the right taste for selecting such items. You should know what color curtain would look great with the furniture in your living room. Everything should complement each other. You can invest in such items based on the theme of the rooms. You can find different price ranges starting from as low as $32 or maybe even less!

    Changing Layout

    If you don’t plan on spending anything at all, this idea is for you! Yes, you hear that right.

    All you need to do is change the layout of the furniture in your rooms. Maybe change the direction of your bed and your sofa. Play with different designs. Find the best angle! Plus, learn the art of organizing the items in your house. You can start by keeping your wardrobe organized. Donate everything that’s in good condition, but you no longer use it. Remember what Mary Kondo said! “Sparks joy!” Your whole house should be warm and welcoming. Try giving it an ambiance like that.

    Creating A Home Office

    Working from home is not everyone’s cup of tea. You require patience and discipline. You have to develop a mindset that you can actually work from the comfort of your home. You can make a basic home office for as little as $150.

    You can simply create a home office. Just find a suitable space in your house where you can create your special corner. It doesn’t have to be lavish. Check out these small home offices for your inspiration.

    Creating A Mini School

    You are not alone…literally not alone during such times. Now that the kids are with you all the time, it’s time to create a mini-school.  It’s important to provide a suitable ambiance for your kids where they can study with full attention. You can even make a small library corner. Check out these ideas for inspiration.

    Develop A Special Corner of Your Space

    Now, this point is quite interesting. It’s about developing a special corner in your house. You could be working from home or you could be a stay-at-home mom or dad. You might think you don’t even need a home office. Create a special corner even if you don’t work or don’t have kids. This corner of the house would belong just to you. It may be your balcony. Check out these ideas for a cozy balcony Or you can just make the corners of the house useful- check out these ideas for awkward corners. 

    Some Ideas For A Limited Space

    Who said you just need a lavish space for adding style to your home. You can do a lot in limited space. You just have to be creative. It’s possible to take advantage of the space under your staircase. You can convert it into a home office or maybe your small library, depending on what you prefer. Check out these ideas and see for yourself how much is possible even when the space is limited.

    Wrapping It Up

    Staying home might not be as boring as you think it is. You just have to level up! It doesn’t mean you should spend a fortune. You can do little changes here and there to make a huge impact on your life. Just painting the walls of your house can make a huge impact. You can simply redecorate the rooms! However, if you don’t mind spending money and if you are able to get suitable contractors or professional kitchen designers, you can do a lot. Plus, remodeling your house would keep you busy. The key here is to stay busy! You can do it. You can manage everything within your budget with limited space. Try to be creative. Find suitable ideas for your inspiration…..

    Make Your Space A Happy Place to Be! 


  • 2019 Cars on Sale Now!  🚘 Our Team Reviews:

    2019 Cars on Sale Now! 🚘 Our Team Reviews:

    The Kia Soul is one of the toughest automobiles to describe. From one angle, it looks like an SUV, but then, it isn’t All-Wheel-Drive. For the most part, it drives like a smaller four-door hatchback. Then again, it’s much more than just another subcompact car in the auto dealer shop. But the best way to describe the Kia Soul is that it’s one of the best, most affordable crossover SUVs for urban living.

    You can invest as low as $16,000 to buy a Kia Soul, and you’ll get a great carryall that can get you and your friends and about 49.5 cubic feet of items where you are going. A Soul at the mid-grade or trim levels also come with more engine power, better interior comfort, and overall performance, which is something every vehicle owner yearns. But before you invest your hard-earned money into this machine, here are other competitors that are just as good (if not better) that you’ll want to cross-shop.

    Alternatives/Competing Vehicle Brands for The Kia Soul

    Despite the Soul being one of the best vehicle brands you can find today, it faces stiff competition from other renowned auto brands in the industry.

    Here are some close competitors to the Soul you might want to consider checking out as well:

    1. Jeep Renegade
    First on our list is the Jeep Renegade, the smallest Jeep in the industry. This makes it one of the main competitors of the Soul. For a small Jeep, the Renegade has a lot to offer with regards to performance and overall vehicle design. Starting at just $18,445, you can already tell it’s fairly less expensive compared to the Soul.
    The Renegade is one of the best-looking little SUVs you will find on the market with a variety of options for buyers. You can buy the peppy 1.4L engine with six-speed manual transmission or opt for the larger 2.4L powerplant with nine-speed automatic. Its top-of-the-line Trailhawk fetches a sticker price of $26,945.

    Another vital feature to note with the Renegade is that it comes in both Front-Wheel-Drive and the All-Wheel-Drive. Then there is the Jeep’s Active DriveLow Dual-range 4×4 system that you can choose as well. The Renegade also has other nifty features that make it a favorite among drives like the MySky removable panels that can convert what’s a little SUV into the best open-top fun vehicle on the road. Depending on where you plan to drive, this Jeep always has you covered on the road.

    2. Toyota C-HR
    The C-HR is a huge crossover to a sportier little vehicle for people who are out for such preferences. Its base selling price is $20,945, which gets you a 2.0L engine with 144HP and a 139 pound-feet of torque. You also get a vehicle that uses a continuously variable transmission system to drive its front wheels. All-Wheel-Drive isn’t an option with the C-HR.

    If you choose its XLE Premium trim level, you also get a 7-inch touchscreen audio system that supports smartphone integration and heated front seats. It also has a backup camera display that’s integrated into its rearview mirror. Although the C-HR is much smaller compared to other vehicles in its class, it’s one of the best, most compact options you’ll find on the market today.

    3. Nissan Kicks
    Like the Soul, the Nissan Kicks crossover is also only Front-Wheel-Drive. It also has four doors and a significantly big hatchback that can allow up to five people in it. Its starting price should be around $17,990. This price also comes with an Xtronic continuously variable transmission, which is a bonus since you have to pay extra for this in the Kia Soul.

    The top brand in the Kicks lineup fetches only $20,290. That makes this brand one of the best-buy options and a smart investment, considering the value for money. You will also get a 7-inch touchscreen display audio system and a basic system that has a CD player, USB port, Bluetooth, and AM/FM/Satellite radio. The pricier SR and SV trim levels also have added support for both Apple CarPlay and Android Auto integration. What more would you hope for in such a compact vehicle?

    4. Chevrolet Trax
    The Chevrolet Trax is another Front-Wheel-Drive that’s made a name for itself as one of the best crossover vehicles in the world. It is powered by a 1.4L four-cylinder engine and a six-speed automatic transmission system. This complete configuration sells for $21,000, but the top trims sell for $28,000.

    The Chevrolet Trax also offers up to 48.4-cubic Feet of luggage space behind its front seats. It has a 7-inch Chevrolet MyLink infotainment system too, which is standard for most vehicles in this category. As with all the other Chevrolets, this model also provides support for Android Auto and Apple CarPlay. It can also connect to a 4G/LTE data connection and even create a Wi-Fi hotspot in the vehicle.

    5. Mazda CX-3
    Next in line is the Mazda CX-3. It is also Mazda’s smallest crossover and has a starting price of $20,390. Like most other vehicles in this category, the CX-3 is also Front-Wheel-Drive, with no All-Wheel-Drive option. It has a 2.0L engine and a six-speed automatic transmission system. Its top Grand Touring AWD has a starting market price of $27,145 and comes with added features like heated steering wheels and heated leather seats. It also has an optional head-up display that puts vital driving information right in front of the driver’s line of sight.

    Another intriguing feature about the CX-3 is its G-Vectoring Control settings. This feature is exclusive only to Mazda vehicles and has been one of Mazda’s huge selling points. The CX-3 has also been programmed to have a slightly reduced engine power, which is evident whenever the driver turns the steering wheel. As a result, the car’s weight shifts onto the front tires, which increases traction and creates precise, controlled steering responses under all weather conditions. This makes the CX-3 the perfect vehicle to have on any kind of road on any climate condition.

    6. Ford EcoSport
    The EcoSport officially marked Ford’s entry into the small crossover market. This basic vehicle is also a Front-Wheel-Drive only with four doors on its sides. But unlike other crossovers in this list, the EcoSport is powered by a 1.-L three-cylinder EcoBoost engine. It also boasts a 123 horsepower with 125 pound-feet of torque. Pair this with an automatic transmission system, and you have one mean engine that’s rearing to get on the road.

    The Ford EcoSport sells for $27,330, but the investment is worth every penny as this crossover comes packed with some amazing features and specifications. The thing that sets the EcoSport apart from its competition is its rear fifth door. Unlike other vehicle model doors that swing up like a hatch, this one opens to the side. This makes access to rear cargo that much easier and more convenient. It also offers about 50 cubic Feet of luggage space and can seat up to five passengers. For the price, you can say this vehicle is perfect in every way.

    7. Honda Fit
    The Honda Fit also ranks top of the list of the known subcompact car class. It’s powered by a 1.5L naturally aspirated four-cylinder engine. It also comes with a standard six-speed manual transmission system, making it one of the most powerful options in this list. It boasts one of the most spacious and handsome cabins you will find on the market and a configurable rear seat, making cargo hauling a cinch.

    What’s more, the Honda Fit comes with several advanced driver aids that make it a favorite among most buyers who are looking for a versatile, spacious, and ferocious machine to have on the road. To top that, it’s an excellent fuel economizer. For a fair market price of $17,433, the Honda Fit is a worthy buy.

    8. Honda HR-V
    Another renowned Honda crossover is the HR_V. It starts with a base price of $19,670 and comes with a 1.8L engine. The Honda HR-V is rated to have 141 horsepower and an added 127 pound-feet of torque. You also get a six-speed manual transmission system and Front-Wheel-Drive. Fortunately, it’s one of those crossover vehicles that also has a continuously variable automatic transmission and All-Wheel-Drive.

    Another notable feature about this vehicle is its LaneWatch system that uses a camera found near the rear end of the passenger-side mirror. This helps capture a wide-angle view and any blind spots that may arise from the vehicle’s right side. The image will be displayed on the infotainment screen whenever the driver activates the right-hand turn signal or presses the button to check the view. The Honda HR-V is one of the best crossovers that has driver safety and passenger safety features installed that actually work.

    9. Fiat 500L
    Unfortunately, not many buyers know about this intriguing crossover vehicle. But that’s mainly because few people take the time to notice the numerous features and driving specifications the Fiat 500L has to offer. Like the Kia Soul, the 500L is also a Front-Wheel-drive and has a four-door hatchback.

    This Fiat 500L is powered by a 1.4L turbocharged engine with 160HP and 184 pound-feet of torque. So, it packs quite some power on the road and can get you where you want to go in record time. The Fiat 500L also has a six-speed automatic transmission system and a starting market price of $21,945. This is a fair deal considering all the driving features this crossover has to offer.

    Buyers who want an All-Wheel-Drive can also opt for the Fiat 500X to meet their preferences. This car has everything to offer, and for the price, it’s a pretty fair deal.

    10. Buick Encore
    The Buick Encore already has a long-standing record of selling small crossovers in the United States. It has a base price of $23,200, which is okay for the 1.4L turbocharged engine. It’s been rated at 138HP and 148 pound-feet of torque. But you can also get a directly-injected version that comes at 153HP and 177 pound-feet of torque. This model also comes with a six-speed automatic transmission system.

    The Encore also has an All-Wheel-Drive option for buyers who want more power on the road. But you’ll have to fork an extra $1,500. It can also connect to a 4G/LTE data connection and even create a Wi-Fi hotspot in the vehicle.

    Reasons the Kia Soul Is Better Than Its Competition.

    Beyond this brand’s rise up the ranks due to quality, it’s also known for its exemplary performance in other key areas. For the past dozen years, the Kia Soul has delivered several reasons why it’s an exceptional consideration over its comparable crossovers. Here are the top reasons why the Kia Soul is better than its competition and a worthy investment:

    • True to Its Roots
    Unlike many of its crossovers that try to rush innovation and give false promises to its customers, the Kia Soul is exactly as advertised. What you see is what you get with this car; unique. What’s more, this car is something of a survivor. Its compact design is a bonus as well since it can squeeze in tight spots most vehicles wouldn’t.

    Moving beyond the sleepy eyes, its strong body also lines uniquely with sculpted rear lights, making it look far more mature than its previous versions. So, if Kia Soul manufacturers say their models are rugged or roomy, trust that they are.

    • Huge on Headroom
    The Kia Soul’s height also gives it an edge over the competition, especially when it comes to accommodating passengers and their stuff. While offering the same170mm ground clearance as most similarly sized vehicles, the Kia Soul stands 50mm taller than its siblings, which translates directly to more interior room.

    This additional interior space allows for more headroom and a world of difference, especially when accommodating adults. This is also matched with even more legroom for the segment, something most vehicle owners highly consider.

    • It’s Affordable
    The Soul is perhaps one of the most affordable, high performing vehicles you’ll find on the market today. Its starting price may be a little on the higher end, with base models setting buyers back to about $21,195, and that’s before freight and other fees. However, you find that even the most expensive models fetch a reasonable $29,595. That’s very affordable, considering it comes fully packed and featured inside and out.

    Inside it, you’ll find leather upholstery, integrated navigation, heated and ventilated front car seats, heated rear seats, and a 10.25-inch touch screen infotainment system. These are just mind-blowing features considering its market price.

    The Bottom Line
    The cornerstone of the Kia Soul brand lies in its endless pursuit of increased safety. Drivers love to have a sense of security when on the road. And Kia’s commitment to this fete plays a critical role in its selling point. From the above excerpt, it’s evident that Kia is a leader in developing high-quality crossover cars. But its competitors aren’t that far behind either. Some would even consider alternative brands better than the Kia brand.


  • Best Online Doctor Apps

    Best Online Doctor Apps

    Have you been meaning to get to the Doctor, but haven’t had the time or are worried about COVID-19? Depending on your issue, a telemedicine app may be the right solution.

    If you’re not familiar, telemedicine apps allow you to receive remote healthcare services from a doctor- without having to go into the Doctor’s office! Our team took a look at some of the most popular telemedicine apps in terms of user ratings, reliability and quality. All of these apps are free to download.

    BCBSM Online Visits: This free app works with almost any Blue Cross/Blue Shield health plan.

    • iPhone Rating: 4.9 stars.
    • Android Rating: 4.7 stars

    Spruce- Care Messenger: The Spruce app has a great dashboard for providers and patients to understand your health needs. All of your medial information is kept private through HIPAA compliance laws.

    • iPhone Rating: 4.9 stars.
    • Android Rating: 4.8 stars

    Amwell: Doctor Visits 24/7: Users of the Amwell app can schedule appointments and see a doctor typically within 24-48 hours. Services cost around $68 before insurance. Psychiatry visits are also available.

    • iPhone Rating: 4.9 stars.
    • Android Rating: 4.3 stars

    PlushCare: Video Doctor Visits: Prescriptions and treatment for ongoing and non-emergency situations are available. The app is designed simply and performs efficiently.

    • iPhone Rating: 4.9 stars.
    • Android Rating: 4.6 stars

    Doctor on Demand: Face to fave time is available with a doctor, psychologies and psychiatrists whether you have insurance or not. Hundreds of issues can be treated through online video.

    • iPhone Rating: 4.9 stars.
    • Android Rating: 4.9 stars

    Lemonaid: Same Day Online Care: A $25 doctor consultation fee is all it takes to same day consultation from a Doctor. Most consultation can happen within 2 hours.

    • iPhone Rating: 4.9 stars.
    • Android Rating: 4.5 stars

     


  • Federal Tax Credits are Available if You Install Solar

    Federal Tax Credits are Available if You Install Solar

    Nowadays, many consumers have turned to solar energy for the sake of the environment and for their wallet.  This renewable energy source has globally proven to be cheaper than power from the grid, saving customers hundreds or thousands of dollars per year on their energy bill.

    Solar energy is known to require little maintenance and according to research, solar energy has the least negative impact on the environment compared to the other sources of energy.  Solar energy also has proven to be more reliable as well, since it can be deployed anywhere.

    Solar panels and solar contracts have an average lifespan of 20 years. To help you make the smartest, long-term decision, we’ve compiled top solar power companies and highlighted their respective benefits. Below, you can compare unique cost savings, equipment monitoring, tax breaks, and contracts that require little to no money down. Whichever company you choose, you’ll experience greater energy savings and the perks of environmentally-friendly living. Read on to learn about the best solar power companies that can help you!

    Best Solar Power Companies

    Sunrun

    Sunrun has been helping homeowners save on energy bills since 2007. This solar provider has often been named as both the best and largest solar company in the United States. Sunrun covers over 17 states in the US including South Carolina, Nevada, California and Colorado. You can also choose from flexible payment options that allow you to put as little as zero down. Sunrun provides for four payment plans; Brightsave monthly (which is a 20-year lease with monthly payments), BrightBuy (where you purchase the solar power in full), BrightAdvantage (which is a solar loan with zero down and is a great way to finance your solar panels) and Brightsave prepaid (where you pay for the entire solar lease in full right from the start).

    The great thing about Sunrun is that, regardless of the plan you choose, you are guaranteed backup storage, workmanship warranty as well as a 10-year roof warranty. With Sunrun you are also able to monitor your solar home’s productivity through a innovative app. If your solar panels generate more power than you use, Sunrun will return credits to you.

    When you decide to use Sunrun, it sends a representative to your home to evaluate your solar eligibility. Within three weeks, the company creates a design for you to approve, and after you give your consent, Sunrun begins applying for permits. Permit wait times depend on your local government. Once permits are approved, installation can begin.

    SolarCity

    Solarcity is a solar power company that is known for having the most affordable solar panel plans while still backing its work with guarantees and strong warranties. This solar company benefits greatly from the research and technology that is provided by Tesla – its sister company. Solarcity has services that are available for government planners, homeowners and businesses in about 21 states all across the United States.

    A lot of solar companies just offer solar panel installation but Solarcity additionally offers clients the ability to go off the grid through its back up power supply which ensures that your premise will always have power regardless of any blackouts. Powerwall – a backup power supply that allows you to always have power regardless of city blackouts. Unlike a portable generator Powerwall allows you to access clean power in emergencies. In addition to its Powerwall, Solarcity also offers a 10-year warranty that covers 10 years of necessary maintenance.

    Tesla recently revealed the new solar roof – a surprisingly affordable set of roof tiles with solar cells. To anyone looking at them from the street they will seem like a normal set of roofing tiles. The solar cells are only visible from above so they can use the sun to power your home. They even come in four different, chic-looking styles to help you match the look of your home. SolarCity is the only solar company that can install the solar roof. If you’re wondering about the dependability of these tiles, rest assured knowing that they are stronger than average roofing tiles.

    Vivint Solar

    Vivint Solar is also one of the best solar power companies. Vivint made its debut as a home security and home automation company in 1999 and has transitioned into a top solar company. Vivint Solar offers four payment plans in addition to warranties and solar panel performance monitoring. This solar contractor can help you save money on your utility bill while decreasing your impact on the environment. With operations in 16 states, it has the third largest coverage in the United States.

    In addition to solar panel installations, Vivint Solar does offer backup battery storage. This company’s solar power warranties include a 25-year performance warranty. The inverter is also covered by a 20-year workmanship warranty. Vivint will fix or pay for any damage it might cause to your property or belongings. This company offers four different payment plans: Solar Purchase, Solar Loan, Solar PPA, and Solar Lease. Regardless of which plan you choose, Vivint Solar will maintain and monitor your solar panels. These plans are also transferrable, should you decide to sell your home. Some of these plans also include product and power output warranties. Should the system fail to function or if it functions inefficiently Vivint Solar will take care of it.

    After you have set up a consultation with Vivint Solar, they will set up a time to meet with you. At this meeting Vivint will go over how solar works where you live and explain the benefits of using solar panels. After that comes an on-site survey, where they will look around your home for about an hour to evaluate your home’s solar eligibility. Designs will be drawn that best accommodate your house.