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Smart clicks: How to shop online like a pro

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How to shop online like a pro

(Family Features) Over the past year, online shopping has become the norm for all kinds of purchases, from groceries and household essentials to gifts and clothing.

Shopping for clothes and other items from the comfort of your home has multiple advantages, including the convenience to shop on your own schedule and the ability to do more thorough research to get the best prices before you buy. However, if you’re not used to doing it, shopping online for items you typically purchase at brick and mortar stores can be daunting.

To make your online shopping experiences more efficient and successful, consider these tips from Kellie Brown, fashion influencer and author of the “And I Get Dressed” blog.

Look Around for Good Deals

If you have your eye on a particular item, shop around on multiple sites for it. Prices can vary from one website to another, and you could be missing out on big savings by not doing your research. When you’re comparing items, be sure to pay attention to details. Verify model or style numbers, colors and other specifics to ensure you’re comparing apples to apples.

Ultimately, you may find the same item with a slight difference that you’re willing to accept for a better price. Be sure you’re checking diligently so you have all the data you need to make a well-informed decision.

Doing research online may also help you locate discount codes that can help bring down the price if you buy from a specific online retailer.

Know Your Measurements

Clothing is one category that shoppers either love or hate to buy online. Brown sees one distinct advantage: skipping the fitting room.

“Shopping for clothes online can seem daunting, but one of the biggest perks is being able to avoid the dreaded dressing room experience,” Brown said. “I hate the process of waiting in line, the overhead lighting, wonky mirrors and having to evaluate clothing in a flash.”

Buying online lets you ditch the fitting room in favor of the comfort of your own home, where you can take time to consider your new garments in private.

Brown cautions that the first rule of shopping for clothes online is recognizing sizing isn’t always universal. For example, a size 18 from one store may fit completely different at another store. If you know your measurements, you can compare those with the listed size chart. That way, you can select the best size for specific brands or products.

Use the Right Credit Card

Joining a store’s loyalty program can be advantageous if you are a frequent shopper at a specific brand or retailer. Also, it’s important to realize not all credit cards are the same, and some offer rewards for online shopping, including cash back.

“The most versatile option is a card that adapts with your spending, such as the Bank of America® Cash Rewards credit card that lets you earn 3% cash back in a category of your choice,” Brown said. “Hint: Online shopping is one of those categories. The rewards don’t expire, and if you are a Preferred Rewards member, you could boost your rewards by 25-75%, which means you could earn up to 5.25% cash back on your transactions. These rewards can be redeemed into your savings account as money for future shopping.”

Double Check Return and Exchange Policies

Make sure you know the return policy of the retailer you’re shopping with to ensure your return or exchange will be accepted, if necessary. Being an avid online shopper, Brown offers a few important tips for dealing with items that may need returned.

Many stores won’t accept open packages or clothing with tags removed, so be sure you know the guidelines before tearing into your packages when they arrive.

You should also check whether you can return items to a local store, if there’s one available, or if you’ll have to ship a return, and find out who is responsible for return shipping costs.

It’s also important to be conscious of timing since most retailers have specific rules about how long you have to return an item. Some use the order date as the starting point while others use the delivery date. Especially with shipping delays that may occur, be clear on dates before you order. Many stores offer extended returns windows, but it’s still smart to know the expectations up front.

Stay Safe Online

Online shopping offers plenty of benefits but being cautious with your credit card information and banking information can help you avoid certain risks. Consider these tips from Better Money Habits, Bank of America’s free financial education platform, to help you protect your finances while shopping online.

Use powerful passwords: Avoid the temptation to set a password you can remember easily and instead use something a little more complex that would be hard for others to guess or hack. Use a distinct password for each online account so you don’t make multiple accounts vulnerable if your personal information does get stolen. Also change your passwords periodically for added security.

Look for the lock: If you’re shopping online, be sure the address begins with https. The “S” tells you the site is secure, and don’t forget to look for the little lock icon in the browser before you enter any payment information.

Secure your networks: Whether using your home Wi-Fi, a mobile device while on the go or a public computer, you need to take steps to secure your info. Start by password protecting your home’s network. When you log in to any financial account while away from home, like at a coffee shop or restaurant, don’t do so on an open network. If you’re using a shared computer, be sure to clear all your personal information when you log out.

Set up notifications: One easy way to keep an eye on your credit card information is to sign up for mobile or email alerts with your bank. This way, each time your card is used, you receive a notification. Plus, your bank may be able to notify you of any suspicious activity.

Online shopping can save you valuable time and money, especially when you’re smart about your purchases. Find more information at bankofamerica.com/morerewarding.

Photo courtesy of Getty Images (mom and daughter shopping on tablet)
Kellie Brown, a paid spokesperson for Bank of America. All opinions are her own.

SOURCE:
Bank of America

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Tips to make your AC more energy efficient, sustainable

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(Family Features) Updating your HVAC (heating, ventilation and air conditioning) system to cool your home in a smart and sustainable way involves several steps that not only improve energy efficiency but also reduce environmental impact.

Consider these tips from the heating and cooling experts at Carrier to help make your cooling system more eco-friendly:

  1. Upgrade to an Energy-Efficient HVAC System. If your HVAC system is outdated, consider replacing it with a more energy-efficient model. Look for systems with an Energy Star or high SEER2 (seasonal energy efficiency ratio) rating, which indicates better energy efficiency. The higher the SEER2 rating, the more efficient the unit. Financial incentives for installing a higher-efficiency system are available through the Inflation Reduction Act of 2022. You can also shop for rebates from manufacturers and utility companies.
     
  2. Look for a Carbon-Free HVAC System. Heat pumps, ductless and VRF (variable refrigerant flow) systems that run on electricity and use low global-warming potential refrigerant, like Carrier’s Puron Advance, can help reduce your home’s negative impact on the environment.
     
  3. Install a Smart Thermostat. A smart thermostat can be programmed based on your preferences and adjust temperatures automatically. These devices can be controlled remotely through smartphones and help reduce energy consumption by cooling your home only when necessary.
     
  4. Conduct Regular Maintenance. Keep your HVAC system running efficiently with regular maintenance. This includes cleaning or replacing air filters every 1-3 months, checking refrigerant levels, cleaning outside condenser coils and ensuring the system’s components are in good, working condition and the airflow is not blocked.
     
  5. Seal and Insulate. Improve your home’s insulation to maintain a consistent temperature. Seal windows, doors and any gaps or cracks to prevent cool air from escaping. This can significantly reduce the workload on your HVAC system.
     
  6. Use Ceiling Fans. Ceiling fans can help circulate cool air throughout your home, allowing you to set the thermostat at a higher temperature without sacrificing comfort, thus saving energy.
     
  7. Add Window Treatments. Use blinds, shades or curtains to block out sunlight and reduce heat gain during the hottest parts of the day. This simple step can make a big difference in how much your air conditioner needs to work.
     
  8. Upgrade to a Variable-Speed Compressor. Traditional compressors operate at full power or not at all. However, a variable-speed compressor can adjust its output to match your cooling needs precisely, resulting in better efficiency, energy savings and improved indoor comfort.
     
  9. Ventilate Properly. Ensure proper ventilation in your home, especially in areas like the kitchen and bathroom, to remove excess heat and humidity, which can reduce the need for air conditioning.
     
  10. Update Roofing. If you’re replacing your roof, consider cool roofing materials that reflect more sunlight and absorb less heat than standard roofing materials, reducing the heat that enters your home.

By implementing these strategies, you can improve or update your HVAC system to cool your home more sustainably. Not only do these steps help the environment, they can also lead to lower energy bills and improved indoor comfort. Always consult with an HVAC professional to determine the best and most efficient options for your home and needs.

Find more information and tips to sustainably cool your home at Carrier.com.


SOURCE:
Carrier

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Steps to get your yard ready for spring

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(Family Features) As the weather begins to warm and days get longer, it’s important to begin preparing your yard for a healthy growing season. While factors like climate, soil type and grass type can all impact how your yard grows, there are a few steps you can take during the spring months to help your lawn thrive.

From dethatching and aerating to fertilizing and mowing, tackling these simple chores can help ensure your yard looks its best and is prepared to fight off seasonal weeds, disease and drought.

Tune Your Mower
Before it’s time for the first mowing of the season, inspect your mower and perform any routine maintenance necessary. That goes beyond sharpening, or replacing, the blade, and includes changing the oil, spark plugs and filter as well as filling with a fresh tank of gas.

Loosen the Thatch Layer
While it’s important to avoid working on your lawn until after the final freeze to avoid damaging the grass, raking your yard with a spring tine rake to loosen thatch – the layer of leaves, roots and dead grass that builds up between live grass and soil – before the first mow is equally important. Be sure to rake when the soil is dry; if it’s too soft or muddy, you may pull up healthy grass crowns.

Combat Compacted Soil
If your soil has become compacted – likely the effect of heavy foot traffic – and is too dense for water, air and other nutrients to reach the roots of your grass, aerating can help break it up and reduce thatch. A core, or plug, aerator can introduce tiny holes into your soil by removing plugs of grass and soil, which lets nutrients more easily reach the roots. An added bonus, the plugs can decompose on top of your grass, supplying more nutrients.

Fill in Bare Spots
If your lawn is looking sparse, overseeding, which involves spreading grass seed over your existing lawn, can help fill in bare spots. Be sure to choose the right type of seed for your climate and soil type to ensure proper growth. Applying a slow-release nitrogen fertilizer at the same time can provide additional nutrients that are important for promoting healthy growth.

Start Seasonal Mowing
When the ground is dry enough and your grass is long enough to require cutting, begin seasonal mowing. Be sure to use proper techniques, including varying your mowing direction each time to avoid creating patterns or ruts, and avoid cutting grass too low, which can make the lawn more susceptible to weeds and drought stress. In general, never remove more than one-third of the grass blade at a time.

Find more tips to help get your yard ready for warm weather at eLivingtoday.com.

Photo courtesy of Unsplash


SOURCE:
eLivingtoday.com

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6 tips to improve sleep quality for overall well-being

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(Family Features) Despite a rising number of people searching for the term “sleep” in 2023, nearly 1 in 3 U.S. adults report not getting enough of it, per the Centers for Disease Control and Prevention.

As a foundation for overall well-being, getting quality sleep is key to achieving goals and being present in daily life. Without it, you’re more likely to lack the stamina and energy to follow through on your ambitions.

To help people realize the foundational role sleep plays in everyday successes, Natrol – a leading sleep, mood and stress supplement brand based on Nielsen data – alongside Dr. Jess Andrade are working together to help people improve their sleep quality and habits so they can conquer their wellness goals this year and beyond.

“From consistent exercise to eating healthy and even daily journaling, it may seem like all your priorities are in order, but without sleep, you won’t be able to reap the full benefits of your hard work,” Andrade said. “Often overlooked, getting quality sleep is a fundamental piece to improving overall wellness and it doesn’t have to be complicated. Creating small, achievable changes in our daily sleep routines can lead to long-lasting lifestyle habits for the better.”

Consider these tips from Andrade to help improve your sleep quality so you can achieve your goals.

1. Prioritize Movement and Light Exposure in the Morning
Whether you’re a yogi or prefer a simple stretch when your feet hit the floor, movement and light during the day can help stimulate quality sleep later that night.

2. Understand Sleep Gains are Just as if Not More Important Than Gym Gains
If you’re focusing on fitness goals, you’ll need adequate sleep to see successful results. If you’re a morning workout warrior, schedule earlier bedtimes to ensure you get the recommended 7-8 hours of sleep. For evening workouts, aim to end your sweat session as early in the evening as possible; too much physical activity before bed can keep you up at night.

3. Make Your Bedroom a Sanctuary
Make your bedroom a sleep sanctuary. Keep the room dark, noise-free and comfortable with the thermostat set at 65-67 F for better sleep conditions.

4. Set Nightly Rituals to Unwind
Create nightly rituals that activate circadian rhythms and allow your body to unwind. Consider activities that relax you the most, like taking a bath, reading a book, journaling or sipping decaffeinated nighttime tea.

5. Try Incorporating a Drug-Free Sleep Aid
If you follow good bedtime habits but still occasionally struggle to fall or stay asleep, try a low-milligram melatonin supplement, like those from Natrol, that are designed to help you get a good night’s sleep so you wake up refreshed and ready to conquer your goals.†

6. Follow the 10-3-2-1-0 method
To help you fall asleep and wake up feeling revitalized, Andrade recommends the 10-3-2-1-0 method: Decrease caffeine intake at least 10 hours before bed. Avoid eating bothersome foods 3 hours prior to heading to off to sleep. Engage in relaxing activities like reading at the 2-hour mark and cut out screentime with 1 hour to spare. Ultimately, these habits can lead to zero times hitting snooze the next morning.

Find more ways to improve sleep habits by visiting Natrol.com.

† These statements have not been evaluated by the Food and Drug Administration. These products are not intended to diagnose, treat, cure, or prevent any disease.


SOURCE:
Natrol

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