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  • Don’t get Hacked! Use a Password Manager

    Don’t get Hacked! Use a Password Manager

    Your password is one of your strongest tools to protect your accounts and all your personal data. But too many people do not pick out good passwords and then their information is vulnerable. To protect yourself against hackers and keep your online data and identity safe, you need to know all the rules about passwords.

    The Importance of Your Password

    The first thing we need to look at here is the importance of the password. The password is considered one of the most important things for any system that you would like to use. It is a great way to maintain your own identity online so that no one else is able to view the account at all. If you don’t have a good strong password, it is more likely that someone will guess it and take over the account. A password can be almost anything that you would like. Some organizations may set up certain safety parameters to make sure your password is safe, such as requiring one uppercase and one lowercase letter or some numbers or special symbols. Other websites give you more freedom. No matter the policy in place with that website, picking a strong password is a must. The stronger your password, the harder it is for someone to guess what the password is. Many hackers will try to steal your password with a password cracker, and one method is to just try out all of the most common password types. If your password is on the list, they have a better chance to get onto some of your important accounts.

    Ways Hackers Can Get Your Password

    Hackers are really good at discovering passwords, especially if you use a really simple password. They are able to try a few different methods to get ahold of your password and use it for their needs. Some of the most common ways a hacker can get your password include:

    Password Recycling

    Many times a hacker can harvest a list of passwords from a data breach. Passwords and credentials from data breaches are often bought and sold illegally. These passwords can be leaked and other hackers will decide to use them the way that they would like. Using the same email and password for multiple accounts can mean if one account is compromised in a data breach, your other accounts will also be at risk. The hacker is able to use that same password to access all of the sites that they want under your name. The best way to prevent this is to make sure that all of the passwords across your accounts are different and use a password management tool to help.

    Wi-Fi Sniffing

    This method allows a hacker to get onto your Wi-Fi and access all of the data that goes between you and other systems. This one takes some time because they need to get onto the Wi-Fi and then take the time to figure out where the passwords are located. But once they do, they can get all of the information they want. A good way to prevent against this is to make sure your Wi-Fi is strong and has a good protocol behind it, encrypt everything that is sent between you and another person, and do not use common passwords like your phone number or street address as your Wi-Fi password.

    Security Questions

    If you happen to forget a password on one of your accounts,  you will need to answer a few security questions before you have a chance to reset the password. Security questions may seem like a good idea, but they are usually weak and if the hacker has gotten ahold of your email or other passwords, they can probably figure it out. A good idea is to answer security questions differently for different accounts.

    Dictionary Attacks

    This is known as a type of brute force attack. While some sites will disable the account after three failed attempts, the dictionary attack can still be effective on websites that do not require this. To work with a dictionary attack, the hacker will need to run a script of their own that is able to try out all the words in the dictionary. To make this option harder to accomplish, make sure there is a minimum of one capital letter in the password.

    Why You Should Have Different Passwords for Each Website You Visit

    It is important that you have a different password for all of the websites that you decide to visit. This will help you keep your information safe. If there is a data breach or the hacker is able to gain access to your password on one site, they will try to use that same password on other sites as well. If you used the same password on all of them, then the hacker has access to all of your accounts. However, if you have different passwords on each account, this task becomes harder. Many people worry about remembering all those passwords, especially if they have a lot of them to keep in mind all the time. This is why you should choose a password manager. It can hold onto your passwords safely and make sure that you can get onto each website while the hacker can’t.

    Why Should I Have a Long Password?

    The longer you can make your password, the better. This makes it even harder for a hacker to get onto your system and gain the information that they need. Shorter passwords are not as tough to work with and can make it easier for the hacker to do any of the tasks that we talked about above. The longer, and more complicated, the password, the better for everyone. If you can, try to make the password into a bunch of letters and numbers mixed together. It shouldn’t even make sense or be readable. This makes it much harder on a hacker. Your password manager can handle the work for you by making sure you can remember those passwords later on.

    The Requirements of a Good Password

    We have spent some time talking about passwords and learning how important they are for protecting your information. Now we need to look at some of the recommendations that you need to remember in order to write out a good password and keep your data and personal information safe.

    If you are using a website that has specific instructions and requirements of their own for creating a password, then make sure to follow those instead. This will make it easier to keep it safe and are often really safe on their own. Some of the requirements you should consider when it comes to picking out a good password includes: It is 12 characters long at least: You should pick out a password that is longer than normal. There is not a minimum password length that each person will agree on, but picking one that is at least 12 characters long will make a big difference. If you can make one that is longer, you are doing even better. You also want to include a good deal of variety in the password. You should include capital letters, lowercase letters, symbols,  and numbers to make sure that the password is as strong as possible.  Don’t use words from the dictionary. Stay away from some of the more common dictionary words or even combinations of dictionary words. This will make it easier for the hacker to do a dictionary attack on you. Do not use substitutions that are obvious. As an example, substituting zero for ‘o’ or 3 for ‘e’ is not good practice. “H0us3” vs. “house” is just too easy to guess.

    What Should I Do If I Think Someone Has My Password?

    So your password was stolen and now someone else has been able to get onto your account. This can be a big hassle and lead to loss of data, money or worse. Sometimes even the good passwords can be taken if there is a big data breach. Knowing how to handle this situation can help you protect your own data safe. The first step to take is change up your passwords right away. Sign up for some text alerts for your accounts and if something does show up on your account, you will get a notification about this. If you were the one who did make that purchase, then you won’t have to do anything, but if it was a hacker, then you will need to make some changes and changing your password is the first step. If there are any other accounts that have the same password, then you need to change those as well. This leaves a little more protection on your accounts so you know everything will stay safe. If you suspect that someone has gotten your password, there are a few resources you can check out to help see whether your account information is readily available online.

    These include:

    1. haveibeenpwned.com: This website holds onto a database of password and username combinations found after a public leak.
    2. LastPass: This website will take a look at all the email addresses in your database and then will check those against a database to see if your information has been leaked.
    3. 1Password: This one works as a password manager as well, but has features that will check out whether your passwords have been leaked.

    How Password Management Software Can Help You Keep Your Information Safe

    Now that you know how important it is to have some tough passwords that are different for all of your accounts, you may be worried about who you will remember all of these different passwords for your needs. This is where a password manager will come into play. The password manager can take all of the work out of remembering and keep all your data safe. Benefits of using a password manager include:

    -You Don’t Need a Good Memory

    The main benefit of using this password manager is that it will give your security online a boost. You can make the passwords as strong as you would like without having to remember them. You can make them long with lots of different random characters and symbols and numbers and the password manager will remember it all for you.

    -You Can Choose Tougher Passwords

    Without having to remember all of those passwords, you can use stronger ones and even go with ones that are a random match of numbers and letters. This helps you to really get something strong that is hard to break through. You can even use a different password for each access point so if there is a breach, it won’t result in everything getting ruined in the process.

    -You Have Fast Access to Websites and Accounts

    These password managers help you to get onto your accounts quickly. You just need to type in one password and you can then automatically get all of your accounts opened up for you. This helps you to speed up your time without having to type in all of the usernames and passwords and remember them all.

    -Password Managers can help with more than just passwords

    While the password manager is awesome for helping with passwords, you will find that it can help you to store and manager a lot more than that. For example, some of these are designed to help you store and access the information for your credit card. Others can make it so you need to do more than one step to authenticate it is you so your information and data will stay safe.

    -They Help with Managing Any Accounts That are Shared

    If you share an account with others in the company, it is important to make sure that you can manage the passwords and only allow those with the right credentials to get one. A password manager makes it easier for you to manage and change the password when it is necessary. Some even have some features so that one person is able to be in control the password on the account while providing access to some other users, without even having to give out the password.

    There are many great password managers that you can choose to use to help you keep track of all those complicated passwords you now need to make. Some of the best include:

    1. Kaspersky
    2. Keeper
    3. Dashlane
    4. NordPass
    5. Google Chrome also has a password manager built in for you.
    6. RoboForm

    When it comes to your password, the stronger you can make it and the more you monitor your accounts, the easier it is to keep hackers away and protect all of your data. Make sure to check out the tips above to help you take care of yourself online.


  • Review: Best Online Grocery Delivery Services

    Review: Best Online Grocery Delivery Services

    Review Of Best Online Grocery Delivery Providers

    It could be that moving from one aisle to another is a big turn off for you, you are really busy, you are self-isolating or you simply hate grocery shopping. Whatever the reason maybe, the fact remains that you still must eat and groceries are but a must shop category. And that is where online grocery delivery services come in.

    According to research by Statista, 52% of grocery stores were already offering home delivery or store pick up options by August of 2019, and this is in addition to a projected roll out of integration of online grocery services by 25% of those existing. This only goes to point out the fierce cut throat competition existing between the crowded chains, which are still growing by the day. 

    With the thousands of online grocery stores marking the online grocery landscape, it can be pretty confusing and at times frustrating on where to shop. However the ease, efficiency, flexibility, affordability and convenience accompanying it is fast transforming the industry into a multi-billion dollar sector. For with online shopping, all you need to do is virtually fill a grocery cart from the comfort of your couch, pay with your card and Voila, your groceries appear at your door. And this is exactly what the 21st ever busy person is after.

    But how do you sift through the thousands of stores to settle on that which best meets you personalized preference? 

    That is the very reason we compiled this comprehensive list to help you decide. 

    1. ThriveMarket.

    Starting our list is ThriveMarket.

    Founded in 2015, and built to eliminate the brick and mortar grocery stores, thrive has established itself as a leading membership-based grocery delivery store boasting of over 6,00 organic and natural groceries.

    True to its founding vision, ThriveMarket offers contactless deliveries, is eco-friendly, alcohol free, and gives back to society through its give back charity program.

    Delivery – the deliveries are contactless and take between 3 to 5 days. You may however be forced to wait for up to 10 days should your order include seafood, frozen meat and wines.

    Coverage– It delivers across the USA except Puerto Rico, Hawaii and Alaska. 

    Membership, shipping and delivery costs – Members can opt for either the annual membership plan of $120 or a monthly billing of $9.95. The first order is shipped for free after which all orders under $49 will cost you a handling fee of $5.95. They offer free shipping on all orders above $49.

    Cash back upon cancellation– Thrive will refund you your membership fee should you choose to cancel 30 days after sign-up

    Discounts – In return for the monthly or annual membership fee, members receive free samples of new products and 50% off on all quality organic products.

    2. Amazon Fresh

    An affiliate of the American e-commerce giant Amazon.com, Amazon Fresh is a grocery delivery service that has tentacles across major cities of USA, India, London, Tokyo among many others.

    Among the pioneers of online grocery delivery services, Amazon fresh has stamped its authority as a leader on matters grocery. Building on existing infrastructure, both physical and non-physical, clientele base, reputation and financial muscles, Amazon Fresh has revolutionized the online grocery delivery service to make it a thrilling, seamless, and convenient most preferred option.

    Delivery areas – Its pickup or delivery options are available across major cities that it is available in.  You can check out their website, or mobile based apps to check their availability in your current place of residence or visit.

    Delivery fee – orders amounting $35 and above and that are to be delivery within 2 hours are free. One hour delivery will however have you incur an additional $7.99 with pickup of within 30 minutes attracting a levy or fee of $4.99.

    Delivery Time – With Amazon Fresh, you can expect your delivery within 2 to 3 hours after you order.

    3. Fresh Direct

    Available in most web-based technologies and mobile based apps, Freshdirect works just like other online grocery sites. Among the pioneer stores, the store has expanded its services, initially exclusive to New York, to other states including Washington, DC among many others.

    Delivery– Most of the areas served are eligible for same day delivery. Some select few however, have the option of an express 2-hour delivery. And others still can take up to a week to be delivered.

    Geographic coverage– compared to most, it has a pretty narrow net that include Manhattan, Brooklyn, Queens, Delaware, and Jersey Shore among a few others.

    Shipping and delivery costs– it has a minimum order of $30 that will cost you a delivery of $5.99. Unlike some of its competitors, its minimum order and delivery fee vary across localities with Hamptons being the most expensive at $99 minimum at a delivery fee of $15.99.

    Membership. The main options available are a six month plan that will cost you $79 or an annual plan that will cost you $120. The plans are called DeliveryPass option with the year plan allowing members $5 discounts for weekday deliveries, and reserved time slots with free deliveries.

    4. Walmart grocery+

    With over 1600 stores across the country ranging from hypermarkets, retail stores, grocery stores among others, Walmart has a significant market reach. Founded in 1962 before being incorporated in 1969, Walmart has grown to be a leader that has pushed convenience to a whole new level with its Grocery Delivery membership option for its customers.

    Delivery– Initially piloted in four markets, Walmart’s Today received an overwhelming positive response forcing the store to expand it to 200 metro areas. Additionally you can have express deliveries or have them scheduled for delivery at your convenience.

    Membership – The annual membership fee is $98 with a cheaper monthly renewal option of $12.95. Members are entitled to free unlimited deliveries, fuel discounts and access to family shopping tools that make shopping easier and faster. The membership has a free 15 day trial for first timers. For non-members, a pay on delivery option is also available.

    Shipping and delivery fee – it ranges between $7.95 to $9.95, and your order must be of $30 and above, for pay on delivery but is free for members. The fee however varies depending on order urgency for both members and non-members. The urgency fee is an extra $10 above normal fee and can see to it that you have your order for up to 2 hours after ordering. 

    Delivery coverage – with over 1600 stores spread across America, Walmart has so wide a coverage. To check if your area is covered, simply access the website or mobile based app and check whether your area is covered.

    5. Instacart

    Founded in 2012, Instacart serves customers across Canada and the USA. Its grocery delivery services can be accessed through both the web and mobile based apps. Unlike other grocery delivery services, Instacart customers will shop through the company’s mobile app or web based platform, fill in their virtual cart and submit it for processing. The company will then have one of its part time employees to shop, on your behalf, from major stores close to you and drop them to you.

    Membership – Members sign up for Instacart Express for an annual billing of $99 or $9.99 per month. However non-members too can shop using Instacart for free for first orders that must be more than $35. 

    Delivery cost – It is free for customers with Instacart Express and will cost non-members a minimum of $3.99 fee for orders amounting more than $35. In addition to the membership or delivery fee, customers are strongly encouraged to tip the personal shoppers who deliver with tips of either $5 or 20% of the cost of shopping.

    Delivery times – The average delivery times for Instacart ranges between the same day to next day. More flexible deliveries are however available and can allow for advance scheduling of up to two weeks. The deliveries can be changed up until the part time employee starts shopping. 

    6. Imperfect foods.com

    Saddened by the gleam food wastage statistics, Imperfect foods.com was conceived. This was a few years back, while the founder, Ben Simon was in college. In the conceived idea, He made it his life  goal to improve nutrition for the general populace by improving food business – specifically fruits and veggies – outcomes through technology, and that is what imperfect foods.com has become.

    With weekly, bi-weekly or customized option schedules, including pause options, imperfect foods.com will deliver customized food boxes within 7 states at up to 50% off normal grocery store prices.

    Delivery times – deliveries are made on Monday through to Saturday 9 PM. Customizations options are available to customers that may include, pause, bi-weekly or even weekly deliveries.

    Delivery costs –launched and built on a cost reduction and minimal emission, imperfect foods.com clusters clients into efficient delivery zones to benefit on economies of scale and reduce emissions. The fee ranges between $4.99 to $8.99 and will be included on your customized cart invoice when ordering.

    Discounts – Customers eligible for the yet to be rolled out SNAP program are entitled to 33% off total order costs. Periodic promotions of 10% are also periodically available.

    7. Postmates

    Reliant on its mobile based apps and global positioning systems to match and pair consumers with local grocery delivery, postmates has posted up to 90 % profits year after year. The on demand delivery company built to rival the likes of Amazon Fresh, Instacart and Fresh direct operates on an on demand farm to table model.

    Delivery – Touted to give most online grocery stores a run for their money, the company tried 30 minute delivery windows, and 2 to 3 hour windows. Other longer options are available and customers can track their deliveries.

    Coverage – It makes deliveries to 400 plus states including some parts of Mexico.

    Delivery cost – Most of its deliveries are priced between $0.99 to $ 9.99 and may be calculated as a percentage of your total cost. They may also vary from one merchant to another. This however is available for review before your checkout from your virtual shopping cart. 

    Membership – Annual subscription fee of $99.99 per or monthly billing cycles of $12 will guarantee you unlimited free deliveries. Postmates unlimited members are however still charged varied service fees and small cart fees of $1.99.

    8. Shipt

    The company partnered with numerous retailers to offer grocery delivery services. Unlike its competitors, Shipts allows one to shop from stores that are nearest to them. This greatly reduces the turnaround time. Even more, it will allow you to shop any time subject to working hours of the select stores closest. 

    Membership – the app is exclusive to members with an annual subscription fee of $99 or $14 per month. Grocery product pricing will vary depending on your select store. Non-members cannot use Shipt.

    Delivery fee – Deliveries are free for members who spend above $35. The non-members will however have to fork an extra, in addition to the membership fee, $7 for orders worth $35 and.

    Delivery – It delivers within an hour or more from time of delivery. It also allows you to text individual shoppers in case of need to change order details. This however should be done prior to the actual shopping. The delivery time may vary depending on other factors like distance to your address.

    Coverage – Its services are available in over 200 cities across the USA.

    9. Safeway

    A unique departure from its fierce competitors, Safeway does not offer annual or monthly subscription plans. But just like most of its competitors, it does offer first time shoppers free deliveries. 

    Delivery fee –for orders below $150 you will pay $12. 95. Orders amounting to anything above $150 will save you an extra $3 fee below that is chargeable on orders worth $150 and below. Notable, the delivery fee is not inclusive of the tip to the person delivering.

    Delivery window – the time taken to deliver can be anything between an hour to more. This, just like the delivery rates depend on order size, mileage to be covered and availability of requested groceries.

    Discounts – online grocery pricing is similar to in-store prices but can be subject to discount terms. That is, discounts like digital coupons can be redeemed but they have to have been added to your account before order placement. Interestingly, paper coupons are not redeemable for grocery deliveries.

    Coverage – the coverage is majorly in Colorado but other cities and states are covered. This can be confirmed by checking on your account before you place an order.

    10. Hungry Root

    Unlike most in this list, Hungryroot combines grocery delivery options and meal kit services. The grocery can be customized to meal specific groceries, general grocery shopping or a two in one option of the former and latter. 

    Built around the philosophy of simplifying grocery shopping and making healthy eating a habit, Hungryroot provides vegan grocery deliveries that can be further customized by non-vegans.

    Where available – Everywhere within the USA

    Delivery and shipping fee – though rare, shipping fee may be included depending on mileage to be covered. The delivery fee is within the ranges of most traditional stores ranging between $7.99 and $12.99. 

    Time taken to deliver –customers get weekly deliveries of their small, medium or plus size boxes. This contains their pre-selected grocery essentials but can be customized prior to delivery. Subscription plans- with a customization option to either increase or reduce the box size, plans are based on a credit point system of $69 and above. Depending on the plan, your delivery can be tailored to be ingredient based, recipe based or a combination of both.

    11. Peapod

    Among the pioneer grocery delivery services, Peapod offers both home deliveries and pick up options. In the pickup option, at a minimum of $30 per order, shoppers will load your order into your truck in select Stop & Shop stores for $2.95 service fee.

    Delivery fee – It largely varies on demand but will cost you a minimum of between $6.95 to $9.95 per delivery with a minimum order amount of $60 for non-members. Members enjoy free deliveries with discounts available for off-peak times. Tipping is permitted.

    Membership – It offers an optional PodPass that can be billed either monthly, semi-annually or annually. This will cost you $13, $69 or $99 respectively. This guarantees you free delivery for the period of the subscription. 

    Time taken to deliver – deliveries can be scheduled for delivery for as soon as a day after order or for up to two weeks in advance.

    Where available – Currently it is majorly available in Mid-Atlantic, Midwest and New England. With expansion plans however to new regions.

    12. Boxed

    With expert shoppers to hand pick daily fresh high quality produce, Boxed lets you shop and save money on groceries.

    Where available – available across the contiguous U.S.

    Membership – ordering is free but shipping will come at a cost for non-members. The annual subscription is $49 with a cash back guarantee of 2%, exclusive discounts and free shipping on orders amounting to $19.98 or more. 

    Delivery fee – It is free for both members and non-members (only on first order) for deliveries of $19.98 and more or $79 respectively. Subsequent deliveries will cost non-members $6.99 for orders that are $49 or less. Additionally, Boxed will not charge non-members for any shipping fees for two day orders should they spend more than $20.

    Delivery timeframe – you may have to wait for your order for between 2 to 3 days from the time you submit your order.

    This summarizes our review of the best online grocery delivery services. Much as they are out to take off the weight of physical shopping off your shoulder, care should be taken to ensure you are getting value for your money. Key factors to consider in selection should include, but not limited to, payment options, reliability, turn around, variety of produce, quality of produce, cost of produce, discounts among many others.

     


  • Search Best Applicant Tracking Systems

    Search Best Applicant Tracking Systems

    Hiring new quality employees in the time of COVID is extremely difficult for hiring managers and HR managers.

    Remote working means that in-person interviews are challenging to facilitate, if not impossible. In addition, collaboration between hiring teams is also difficult, and keeping candidates moving through the pipeline can be slower than in pre-pandemic times.

    From a candidate point of view, many job seekers express frustration around lack of communication from the employers, the inability to make a strong impression over zoom or other video conferencing services.  Negative impressions from interviewers are showing up on websites like glassdoor.com. If you are a hiring manager or HR professional, you may want to consider a new applicant tracking system. Our team researched some of the leading options below:

    1. BambooHR: Bamboo is priced slightly higher than others- which may make it out of reach for smaller companies. However, reviews show it is easy to get up and running, has a rich feature set and UI functionality that has resonated positively with hiring managers and HR professionals. Pricing starts at $4.95 per employee per month.
    2. Workable: Workable is designed for companies of all sizes. Features that set it apart include access to 200 free and premium job boards and over 600 job description templates. Pricing can be ‘hire as needed’ and features a $99 per job month subscription.
    3. Bullhorn Staffing and Recruiting: This service starts at $99 per user per month, so only feasible to larger enterprise customers. However, the user interface is a very high quality, and features a very easy integration with outlook at Gmail. The intuitive features have drawn favorable feedback from users across the board.
    4. Greenhouse: Greenhouse is very popular service featuring custom interview plans, automated job approvals and candidate scorecards. The job board syndication feature is very ideal for smaller businesses who lack a built out career page.
    5. Jazz HR: Jazz is designed with small and midsized businesses in mind. Free trials are available, and the feature set eliminates busy work with ranking and candidate tracking tools which are intuitive and quick to learn. In addition, pre-poplulated templates can speed up the offer process and give candidates a personalized feel that is very efficient for the hiring manager.

    Related Posts: 

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  • Exclusive! Our Team Reviews Hard to Find Black Friday Sales!

    Exclusive! Our Team Reviews Hard to Find Black Friday Sales!

    Black Friday is taking on a new look this year. Long lines, mass crowds and short deals are all on pause. However, there is good news, Black Friday deals will be as popular as ever as retailers aim to make up for store closures and lost sales earlier in the year. This year, look for multiple offers and deals extending far beyond Black Friday and Cyber Monday. The even better news is that the sales will include some of the most popular luxury brands and purveyors. To take advantage of the incredible deals, make your list and earmark these sites for the great sales on gifts that will delight your friends and family and keep your budget in check.

    LUXURY CLOTHING

    1. The OutNet:

    From leaders in the luxury goods space, Net-A-Porter known for carrying hot brands like Balenciaga, Stella McCartney and Theory, The OutNet has become a go-to for fashion insiders who know a good deal when they see one. The OutNet offers beautiful styles often 55% – 70% off. Already, The OutNet is leading the Black Friday deals with impressive savings on some of the most coveted brands and styles of the season. Look for exciting Black Friday deals that will wow your entire list.

    A few items already on the NICE list:

    • DKNY Double-breasted belted felt coat at 50% off DKNY puts a youthful spin on designer Donna Karan’s signature New York-cool aesthetic. Classic designs are reinvented with splashes of color and glittering appliqués, blending timeless tailoring with luxe contemporary style.

    2. RAG & BONE

    Bonnie satin-jacquard blazer at 80% off
    Marcus Wainwright and David Neville founded rag & bone with the aim to ‘create beautifully constructed clothes’ of the highest quality. Originally a menswear line, the label has won awards and A-list fans for their slouchy knits, cool shoes and understated blouses. This blazer, one of the hottest trends of the season is a prime example of what makes this brand so hot and the deals from The OutNet so impressive.

    3. STELLA MCCARTNEY

    logo tote at 45% off
    From basics to sophisticated evening wear, British designer Stella McCartney sets the standard for sustainably-made clothing that exudes confidence and femininity. The Chloé alumna launched her eponymous fashion house in 2001 with a fur and leather-free brand ethos dedicated to using recycled, organic and forest-safe textiles. Don’t miss the smart tailoring and cult-favorite ‘Falabella’ bag in our edit of brand classics.

    Can’t miss bargain tips: Save 15% off your first purchase with code FIRST15

    If you still want more from the world of NET‑A‑PORTER, download their app, explore Mr. Porter and look for their fashion paper. All sites offer excellent fashion tips and inspiration articles for the season, like finding the perfect holiday outfit Celebrate the season in style or this season’s hottest trend, Luxe loungewear ideal for cozy holiday celebrations.

    Next on the list of must-watch luxury retailers, offering impressive holiday savings, is a true fashion icon, Neiman Marcus.

    4. LUXURY CLOTHING & BEYOND

    Neiman Marcus:
    Founded in Dallas, Texas in 1907, Neiman Marcus has built an empire of serving luxury clients and brands. While not often thought of when it comes to Black Friday deals and steals, the Neiman Marcus name should not deter you when looking for the latest in luxury goods at great prices. Kicking off the holiday season early, Neiman Marcus has already begun embracing the holiday sales with 50% of luxury brands like Tory Burch and Ugg, and should be top of your watch list for even more incredible savings.

    While you are watching for official Black Friday deals, here are three ways to maximize your Neiman Maracus experience:* Join their email list now to receive early announcements and notifications on more Black Friday offers and special savings. Stuck on what to give someone on your list, check out the Neiman Marcus handy online Gift Guide. Answer a few questions and the tool presents hot items from gourmet food gifts to kitchen items to kids toys and fashion accessories for everyone on your list.
    Watch for their cash back offers that typically run multiple times a year. Currently you get back money for purchases starting as low as $150 when you use code NOVSAVE. See below for full details:

    Terms and Conditions: *Online & in stores. To receive $30 off $150, $100 off $400, $300 off $1,000, or $650 off $2,000+ discount offer, enter the promo code NOVSAVE in the promotion code box in your shopping bag during checkout. The value of your select regular-price order must total at least $150 USD before shipping and tax; sale and reduced-price merchandise do not qualify. Qualifying items will be designated on the site with colored type on their product page. Does not apply to beauty or fragrances, jewelry, previous purchases, gift registry items, Neiman Marcus Gift Card purchases, catalog orders, Bergdorf Goodman, Last Call, or with any other discount offer. Neiman Marcus employees are not eligible for offer. One discount per customer. Other exclusions may apply. Ends 11/20/20 at 10:00 PM CT

    5. LUXURY OUTDOOR GEAR AND APPAREL

    BACKCOUNTRY.COM

    Luxury goods and savings will span far beyond fashion apparel and accessories this shopping season. Top gear can be hard to hunt down and very costly, but Black Friday is guaranteed to help you shop while keeping money in your wallet. A new favorite e-tailer with passion and great taste is Backcountry.com. Ideal for those looking for the hottest brands in outdoor gear and athleasure attire, Backcountry.com is the place to shop and watch for great Black Friday promotions. Already on sale are must-have brands like Prana, Sorel and top gear for the favorite outdoor loving person on your list. At Backcountry.com, you’ll find the highest-performance outdoor gear as well as clothing and expert-level gear knowledge and customer support. This is camping, trail running, mountain biking, alpine and Nordic skiing, mountaineering, backpacking and more—all under one roof, including deals on items like:

    Arc’teryx – Cerium Lt Hooded Down Jacket – Men’s

    Prana – Brion Pant – Men’s

    Backcountry – On The Go Pant – Women’s

    Arc’teryx – Patera Down Parka – Women’s

    Sorel – Joan Of Arctic Wedge Ii Zip Boot – Women’s

    The North Face – Osito Fleece Jacket – Women’s

    Savings tip: shop their house brand “Backcountry” for even better deals.

    Go deeper in the gear world and savings with Steep & Cheap From the same creators of Backcountry, Steep & Cheap is a showroom of limited-time, limited-quantity deals for the outdoor enthusiast without a ton of cash to burn. Through their website or app, they offer incredible thrills and deals.

    6. LUXURY TECH AND MEN’S GIFTS

    Touch of Modern:
    For the hipster in your life who has it all, Touch of Modern is a wonderful place to shop for luxury, fun and less common gifts. In addition to ongoing daily deals, you can bet they will offer some incredible Black Friday offers. While the “members only” access might initially stop you for going further, the site is worth the login. Touch of Modern is the leading e-commerce app for men to discover cutting edge products. Catering to male millennial tastemakers, Touch of Modern focuses on offering unique and new-to-market products not easily found at traditional retailers, with more than 250+ new items added daily.

    Be sure bookmark this page and check back regularly so you do not miss deals like 75% off Edox watches and Mobile Pixels laptop accessories. Since 1884, Edox has produced precision timepieces with passion, ingenuity and meticulous attention to detail. The name “Edox” means “the hour” in ancient Greek, and the hourglass logo has adorned every Edox watch since the company’s beginnings. Edox has a history studded with horologic successes and inventions, many of which remain unrivaled to this day.

    Mobile Pixels was founded by a small group of entrepreneurs who met while studying at MIT. Their innovative multi-screen laptop accessory is designed to boost productivity and make it easier than ever to multitask. Perfect for working professionals, gamers, stock traders, entrepreneurs, coders, and students that are on-the-go, it makes it easy to add 1 or even 2 screens to your setup, wherever you are.

    LUXURY HOME GOODS
    Luxury home goods will also be hot items this season, as people spend more time enjoying time at their house. Your friends and family will be delighted by a fresh blanket to curl up with Netflix or an upgraded pan to cook the next gourmet meal at home.Kicking off the season early with 50% off Black Friday sales is furniture and home good stores like West Elm, William Sonoma and Mark & Graham, offering savings on items like bedding, lighting, pillows & throws, wall art & mirrors, curtains, kitchen & dining, room decor, furniture, storage, holiday decor and baby & kids room items.

    William Sonoma has kicked-off Black Friday early with special savings like;
    https://www.williams-sonoma.com/shop/sale-special-offer/premier-event/offers-electrics-premier/?cm_sp=visualnav-_-default-_-premier_day_electrics

    BEYOND BLACK FRIDAY DEALS
    More ways to maximize Black Friday and Holiday savings
    The savings do not have to end when the special discounts expire. In addition to killer holiday sales, many retailers are offering additional savings and increased loyalty points. If you have one particular favorite store, now is a great time to consider joining their credit card program for even more benefits and rewards. For example, Talbots a prominent provider of women’s clothing built from a singular & personal vision, inspired by a joy of discovery and fueled by a commitment to timeless and timely fashion, extraordinary quality and memorable service has an impressive credit card incentive program, including:

    * Extra discount with first purchase
    * $25 Style Rewards at 500 Style Points2
    * Style Points per $1 spent
    * % Back in Style Rewards
    * Bonus Style Point Events
    * Birthday Bonus
    * Special Offers & Exclusive Access
    * Anniversary Bonus Gift
    * Extra 5% off during our Red Hanger Sale
    * Zero Fraud Liability
    * Free Shipping

    To sum it up, there are a lot of great deals to be enjoyed this holiday season for those who stay in-the now, online and ready with the wish-list. The sales and traditions might look different this year, but we can all still enjoy savings, treating our family and friends and spending time with loved ones, even if it is via zoom.


  • How to Fix a Slow Computer

    How to Fix a Slow Computer

    When you first get your computer, there is a lot of excitement around it. You spend time trying it out, zooming in and out of it at a speed that seems amazing compared to the old system that finally died out on you. You have big plans for your computer and are ready to see what you can do with it.

    However, as time goes on, you start to notice the speed slows down. While a little speed reduction is pretty normal for a computer, many systems will start to wear down and go at a slower speed much earlier than they should. Often it is due to the kinds of actions the user does with the computer rather than something being wrong with the computer itself.

    Reasons Your Computer is Slowing Down

    There are a lot of different reasons why your computer may be slowing down. A little speed reduction is normal when you have had the computer for some time, but many systems tend to slow down way before their time. There are a number of reasons for this including:

    • Too many items in the trash bin: Whenever you delete files, they head to the trash bin instead of deleting from the hard drive. You should check the trash ban regularly and delete anything that is not important.
    • A desktop that is dirty: When the desktop is dirty and disorganized, it can slow down computers while making it hard to find what you need. Reorganize those files and delete anything you do not need.
    • Too much in your cache: Caches are good for making things easier and faster on a computer. But if you let too much get into the cache, it may slow down the computer. Take the time to delete your browsing history often to avoid this.
    • Software that is old: It is important to update your computer on a regular basis to keep it up to speed.
    • Too many programs; If there are a lot of unnecessary programs on your system, it will slow everything down. Take the time to uninstall these to free up some space on the computer.
    • Not enough space on the computer: You need to make sure the computer has enough memory and RAM space present for the tasks that you plan to do on the computer.
    • Too many processes: Your computer may slow down because the CPU performance is too low. Always take a look at what processes are running. If you see some that are not needed at the time, turn them off so your computer can go faster.

    Things You Can Do to Fix a Slow Computer

    Many times you are able to do a lot of the repair work on your computer on your own. This allows you a chance to fix it without spending a lot of money. Some of the steps you can use to fix a slow computer include:

    1. Remove Unused Programs and Applications: The more you use your computer, the more likely there are old programs and applications you are no longer using just sitting around. These can still use up a lot of the memory on your system, especially if they are set up to run in the background each time you start the computer. Taking a few minutes to remove all of the unwanted programs will free up some of the resources on the system, helping to improve how well it can perform.
    2. Get a Bigger Hard Drive: To see the best results with your computer, it is best to leave at least 15% of the hard drive open all the time. If you use up more than that at any time, it will affect the speed and performance of the computer a lot. Deleting some applications and programs can help. But sometimes it is best to upgrade to a hard drive that has more space. This will make ad drastic difference in how well your computer performs.
    3. Add in the RAM:Low memory is often the biggest culprit when it comes to how well the system can perform for you. When you try to access more than one program at a time without enough memory, your computer will slow down. You can always check the Performance Tab, which is located in the Task Manager to see how much memory is being used at a time. If it always seems to be high, then you may need to add in some more RAM, or random access memory, to the system to make it work better.
    4. Scan for Viruses: If your system does get a virus or some malware on it, it can slow down the whole computer while causing damage to the system. One of the first things you should try is a quick scan for viruses. This will help you see if that can be a problem and only takes a few minutes. It is best to keep a good quality antivirus software on the system all the time to keep your data safe.
    5. Delete the Temporary Files: Any time you decide to use your web browser, all of the browsing history will stay in the PC. This happens when you install something on the system as well. It’s something that you may never think about again, but can definitely slow down the computer and make it not work as well as you would like. Take the time to delete your temporary files and see if that is enough to speed up your computer.
    6. Do a disk defragment: This one is a little more advanced than some of the others, but you can still do a lot of the work on your own. This is basically just a way for you to optimize how efficient your hard drive is. To do this, you just need to head to My Computer, then right-click on the hard drive. Then click on Properties. You should notice under the tab for Tools there is an option for Defragment Now. You can click on that and walk away. It does take some time to complete but you should see a big improvement in your computer speed when it is done.
    7. Do a Disk Clean-Up: Next on the list is a disk clean-up to get rid of things that are large and not necessary on the computer. Using these will ensure that the system isn’t carrying around a lot of junk, without you accidentally deleting something that is important. There are a few steps to follow to work on this one. Click on Start and then go to All Programs, Accessories, System Tools, and Disk Cleanup to get it done.

    Fixing a Slow Mac Computer

    If you have a Mac computer, there are a few different things you can do to help speed this type up as well. Some are similar to what we discussed with a PC, but a few options to try include:

    • Close the Applications: Mac OS X likes to keep some applications running in the dock. Even if you thought you closed it out, it will still run in the background. This isn’t usually a big issue, but if the computer has slown down, you can look for any program with a dot next to it. Click Ctrl+clic and then select Quit to make these turn off.
    • Too many startup programs: You may need to manage your startup programs to help speed up the computer. You can open the System Preferences window, located under the Apple menu icon. Then click on Users and Groups. Click your account and then on Login Items. You can then uncheck the applications that you no longer want to run when you first log in.
    • Reduce the Animations: These may look cool, but they are going to tax your graphics hardware as the computer gets older. To help with this, you can open your System Preferences. Click on Accessibility and then Reduce Transparency. This can speed up some of the older Mac Computers.
    • Disable the FileVault Disk Encryption. This is found on the Yosemite version of Mac OS X. This is supposed to keep your files safer and make it so no one can change the password. However, it may cause the system to slow down. You can go to System Preferences, Security and Privacy and then FileVault to turn this off if you choose.

    The Best Software Solutions

    Sometimes there is something bigger wrong with the computer and even after doing the cleanup and all the other work suggested above, you will find it doesn’t work as well as you would hope. The computer is still slow and you can’t seem to get it to work. This is when it is time to bring on some clean-up software to make everything work a little better.

    There are a few options for clean-up software that you may want to try. Some of the best include:

    Glary Utilities

    This is a fantastic tool to use to make sure your computer will run faster. It provides a number of tools to remove clutter, while speeding up the computer. It is also a safe option to using it will not make the firewall or antivirus on your computer mad. Some of the benefits of using this cleanup software includes:

    • Cleanup and repair: This software is able to do registry and disk cleanup, find duplicate files and delete them and fix some of the shortcuts that are present.
    • System tools; it is a great option to use for repairs, restore, and backup of all your files.
    • Optimization: It can do a good disk defragmentation and memory optimization to make the computer stronger.
    • Privacy: You can even use the features to protect your privacy, like encryption and file shredding to name a few.

    You can even choose some customizations to make sure that this works for your needs. The regular price for this is $40 a year, but there is a special introductory price of $20 right now, with an auto-renewal option that is $20 a year until you cancel. This subscription can be used on up to three computers.

    Ashampoo Win Optimizer

    This is a great software that is able to scan your system and then will use its own tools to fix any problems that are found. This is a good scanner to use to look for bloated software, broken registries, and junk files on the computer. It can even help you by erasing some of the diagnosed directories while restoring the system to a clean state that is more efficient. It will run checks on the system while giving detailed descriptions so you are up to date.

    Ashampoo is a good option to use for defragmenting and finding any inefficiencies that may be in the system. This will speed things up and make it easier to use your computer for longer. The traditional price of this is $50 to use on up to ten computers, but they often run specials that make it more affordable.

    IOLO System Mechanic

    This is a utility cleaner that will get rid of everything extra on the system. It can also update or remove the diagnosed results based on what you have put in your settings. It will free up the PC RAM as well as removes any web browser history to free up more room. All of these come together to increase the computer performance for you to enjoy.

    This option does have a free edition that you can try out, though the features are limited. If you want all of the great features, there are two paid versions to give a try to as well. One year of professional services with this will cost about $70 if you get the paid subscription.

    Driver Sweeper

    Another great option that you can try is known as Driver Sweeper. This tool is one that will help you to sweep out the driver and make sure that nothing extra is left behind that will slow down the system. Any outdated drivers can cause some lag in startup and will increase the time it takes to boot up the system. Driver sweeper will help to clean out, update, and remove the drivers you no longer need.

    When you are looking for an installer tool that is able to scan and check out the latest drivers on your system, this is the right one. It will clear up a lot of space so your computer will perform better. This is a free option because it only provides a quick clean to the system.

    CleanMyMac X

    This is a professional cleaning service that will help speed up your Mac computer. it is able to scan all of your system to find the hidden junk and then you can remove quickly. It can even free up some of the disk space on the computer and can save you some time. This is one of the best tools out there for cleaning out the Mac and getting it to work well again. This service is free to download and run, and you can click on the Review Details to see what all has been found.

    Stellar SpeedUP Mach

    This software bills itself as being able to speed up your Mac computer by 25% or more depending on what is found inside. The app is designed to clean all of the computer up and all you need to do is download it and then click on the recommended scan. Then sit back and watch while the software does all the work for you.

    It will then provide you with a list of different things that you are able to clean up on your computer to make it a little faster. It is fast and efficient, giving you fantastic results. Right now they have a 30 day trial and then will charge you $40 a year to use the subscription.

    Summary

    No one likes working with a computer that is slow and hard to handle. It can cause crashes and is a big waste of time when you have important work to get done. Understanding what may slow down your computer, and trying a few methods on your own and with some clean-up software to get things moving can be one of the best ways to keep your computer running well, without the hassle of it slowing down.


  • Infant Formula Review

    Infant Formula Review

    Parents these days are under tremendous pressure to do “everything right” for their children, yet there are thousands of differing opinions on what and how to define “right”, especially when it comes to feeding your baby. The saying are endless, “Breast is best”, “EBF” (Exclusively Breast Fed), Organic only, but the opinion creators forget that babies do not follow a “one-size fits all” approach to eating, and what works for one child may not work for the other, even if they have the same parents. The most important thing to remember is to do what supports the health and well being of your baby which can mean breastfeeding, formula feeding or a combination of both. Selecting the right breast pump, formal and even bottle or pacifier, can be an equally unique experience and just because one system works for your friend does not mean it will work for you or your baby. Below are a few honest reviews and companies you can trust to help you navigate the world of finding your “right” feeding plan for your baby.

    Favorite Formulas

    1. Tride & True: Similac 
    There is a good reason why Similac is known as one of the best formula producers. They use the quality ingredients and offer a variety of formula types ranging from traditional to organic, neonatal to, sensitive. Additionally, similac includes, Human Milk Oligosaccharide—HMO for short—an immune-system nourishing prebiotic similar to one found in breast milk.

    Similac offering:

    • Similac Pro-Advance®
    • Similac® Organic with A2 Milk.
    • Similac® Advance® For Neuro Support
    • Similac® Advance® S
    • Similac® For Supplementation
    • Similac® Organic
    • Pure Bliss™ Infant Formula
    • Similac® Advance® Lamehadrin Infant Formula.

    Sensitive Tummies: Pro-Advanced formula 
    For the baby with the even extra-sensitive tummies, finding the right formula can take a lot of trial and error. Don’t give up, some parents find that this non-GMO Similac formula is the one that finally eliminates their babies’ painful bouts of gas and bloating. Safe for lactose-sensitive babies, the formula aims to boost your little one’s immune system. And just like the brand’s Pro-Advance formula, it also contains the 2’-FL HMO prebiotic found only in breast milk.

    FORMULA TIP: Similac is popular for a good reason and is also trusted by many professionals, which means your hospital or doctor’s office might have samples. Also, join their mailing list for coupons and other savings tips.

    2. Organic Formula: Earth’s Best 
    Organic ingredients are always important, and as a parent you hope it works best on your babes tummy. A great place to start for organic formula is Earth’s Best. Certified USDA organic and non-GMO, this formula is also created with the goal to be as similar as to breast milk as possible, containing quality protein, carbohydrates, vitamins, minerals and essential fatty acids and no added corn syrup solids. Earth’s best also offers other options if your first attempt does not work.

    Happy Baby Organics® – Organic Formula by Happy Baby 

    Another organic brand to consider is, Happy Baby. Designed with your baby’s nutritional needs in mind, Happy Baby uses ingredients similar to those found in breast milk such as probiotics and key vitamins and minerals like calcium, vitamin D, DHA, zinc, choline and organic lactose. The lactose used is made from organically farmed cows and the formula is non-GMO and free of corn syrup.

    3. Loved and Trusted: Enfamil 
    Researched and studied extensively to prove that it is as close to breast milk as possible, Enfamil is trusted leader in formula. It contains milk fat globule membrane (MFGM), a 3-layered membrane previously found only in breast milk that has been proven to support brain development. Enfamil also contains DHA, proteins and baby probiotics for immune support. The formula is known for being gentle on tiny baby tummies and helps reduce fussiness, colic and gas.

    4. Baby and Wallet Friendly Buys: Target, Walmart & Costco
    * www.target.com Target has created a formula that follows many of the same principles of the big brands. Designed to be easy on the tummy and your wallet Target’s non-GMO baby formula is a smart buy.
    * www.walmart.com Walmart Parent’s Choice Gentle Infant Formula Milk-Based Powder with Iron receives great reviews from many happy parents.
    * www.Costco.com Costco also receives many praises for baby loved and wallet friendly formula.

    Breastfeeding has many benefits for baby, but can be challenging for some moms so having the right tool – your trusty breast pump is important. Making the decision on what you want and need can seem daunting, but it breaks down into two simple categories:

    1. Type of pump
    2. Brand of pump

    Types of Pumps
    * Hospital-grade breast pumps: These are considered the “mecca” of breast pumps, but are often hard to come by. These heavy-duty pumps offer a power-filled motor for extra quick production. They extract milk quickly and are generally fairly quiet, but they can be bulky and less portable than many of the commercial grade options. Hospital-grade pumps can sometimes be rented, but if you are looking to purchase one, it can be very costly, upwards of $1,000. Hence why they are not as common.
    * Electric breast pumps: The most common and popular, the electric breast pump is efficient, portable and adjustable on speed. The down side, they do require electricity and some can be a bit noisy. Many come with a carrying case and are typically double pumps with the option to make it singular.
    * Wearable electric breast pumps: Popular for the mom on the go, the hands-free portable pump is set up so you can wear them directly over your breast and often discreetly. While they are technically hands-free, it can be cumbersome to attempt to work or do other activities, while wearing the pump.
    * Manual breast pumps: The pumping action is created when you squeeze the pump with your own hand. The lack of motor makes these quiet and very convenient. While they take longer to produce a full feedings worth of milk, they are very handy to have them around. They are great choice for working moms or those who love to travel and can’t always find a plug. The inexpensive costs makes it an attractive supplement to an electric breast pump.

    Top producers of pumps:

    *Best Overall Breast Pump: Spectra Baby 
    Spectra offers a variety of sizes and styles of electric pumps and has quickly become a mom favorite.
    About Spectra: Spectra Baby USA is a team of passionate moms, dads, daughters and sons dedicated to helping nursing mothers and their babies get off to the best start possible. Our double electric breast pumps are designed to bring comfort and confidence to as many breastfeeding moms as possible. From our unique Natural Nursing Technology to our one-of-a-kind customer care, moms can count on Spectra to be right there when they need them most, every step of the way. We import and distribute top quality, high performing breast pumps and accessories that have built a community of active supporters. Women-owned, privately held and located in South Florida, our products are available through e-commerce providers, big box retailers, distributors of medical equipment, and lactation centers.

    *Best Premium Breast Pump: Medela: 

    Medela is a one of the most trusted names in breast pumps and for good reason. They offer a wide variety of both electric and hand-pumps.
    About Medla: Medela was founded in 1961 by Olle Larsson and is headquartered in Switzerland. Under the leadership of Olle Larsson’s son Michael, Medela has become a global player in breastfeeding products and medical vacuum technology thanks to continued research, innovation and the evaluation of customers’ needs. Medela has 18 subsidiaries in Europe, North America and Asia. Medela distributes its products in more than 100 countries, either directly or through independent partners. Medela has a staff of 1,740 worldwide, 440 of whom are located in Switzerland (as of 31 December 2016).

    Medela’s breastfeeding products are based on more than 50 years of innovation and evidence-based research into the life-giving benefits of breast milk. We work collaboratively with renowned universities, hospitals, research institutions, and lactation experts around the world to develop advanced technologies for breastfeeding solutions. This dedication, combined with these insights and discoveries, has made Medela the #1 breast pump brand in America*, with innovative products designed for today’s parent.

    *Most Comfortable Electric Breast Pump: Lansinoh: 

     Since our beginning 35 years ago in the kitchen of a new mom, Lansinoh has always been there for breastfeeding mothers and the healthcare providers who support them. Our founder’s own breastfeeding challenges inspired a passion to help other moms that is still the driving force behind Lansinoh today.

    We’ve become a global leader in breastfeeding with world class research and development, serving mothers in more than 60 countries around the world. From our #1 recommended lanolin nipple cream, to launching the first Bluetooth connected breast pump, to hospital products that support the first few days of life, Lansinoh is on the cutting edge of innovation.

    *Best Budget Breast Pump: Bellababy by BelleMa Co., 
    Bellababy is a US based company, one of the pioneers in the research and development of electric breast pumps in 2003. Products being produced include all types of breast pumps and related mom and baby products. Bellababy primarily focus on breastfeeding by helping moms to successfully breastfeed their babies easily and safely.

    Remember, a fed and thriving baby is the number one goal, no matter which path works best for you and your baby.


  • 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.


  • 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.


  • 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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