Connect with us

Live Better

Upgrading your home oasis

Published

on

(Family Features) Picture this: You’ve purchased your home. You’re on the land you’ve dreamt about and you’ve got great ideas to turn your property into the personal oasis you’ve always wanted.

As you consider developing your land, building with environmentally sensitive choices becomes more important than ever. According to LightStream’s 9th Annual Home Improvement Trends Survey, more than 93% of homeowners see the benefits of undertaking renovations that have positive environmental impacts. Yet, one of the top barriers to making eco-friendly upgrades is that people don’t know what to do (27%) nor where to begin (24%).*

As a first step, homeowners can take on renovations to make their existing home or building greener. Among the many smaller-scale eco-projects are new insulation, HVAC systems, lighting or appliances. 

“One popular upgrade is installing custom windows and doors that are thermally broken, meaning they’re designed to keep out cold or hot temperatures,” said Sean Cain, president of Morton Buildings, a specialized construction company with decades of experience in eco-conscious construction. “It’s a big improvement that is not only energy-efficient, but it will immediately impact the overall comfort of your building and save money on energy expenses.” 

Reflecting larger visions, the survey also found that many homeowners are thinking outside the home itself, enhancing their properties by adding a separate garage, hobby shop, barn, office or accessory dwelling unit.

“Today’s homeowners are looking for a solid property improvement investment as well as construction specialists with the unique knowledge and know-how to deliver eco-friendly best practices and sustainable products,” said Todd Nelson, senior vice president at LightStream, an online lending division of Truist Bank.

In addition to return on investment and environmentally sustainable upgrades, homeowners are also increasingly interested in the longevity of their improvement projects.

“People today are keenly interested in the long-term sustainability of their building decisions including construction of ancillary buildings on their property,” Cain said. “Post-frame buildings with steel exteriors have advantages both for longevity and recyclability whereas shingle roofs or vinyl siding may need replacement more frequently, which often results in additional waste that cannot be recycled. Moreover, they have protective benefits as well, helping to mitigate inclement weather and extreme climate events. Most of all, their design flexibility makes them modern and stylish.”

FROM START TO FINANCE
Sustainability begins with material selection and production.

“There are many ways to make the manufacturing processes more sustainable, such as recycling or repurposing unused or misdirected materials and even capturing and reusing water,” Cain said.

Managing the Costs
Sustainable building options can also be more affordable, particularly if you’re looking at cost savings over time. 

“Reducing energy costs is important to many building owners,” Cain said. “Make sure your building or home is well-insulated because this can save you a considerable amount of money.”

Consider the Options
As consumers seek sustainability in their residential structures, more are considering their long-term financial impacts, too.

“We’re in era of rising interest rates,” Nelson said. “A fixed rate loan can save money and be the right choice for many reasons.”

Visit LightStream.com to see how unsecured, affordable home improvement loans can help finance your renovation.

*The 9th Annual LightStream Home Improvement Survey was distributed by Ipsos among 1,301 U.S. homeowners, between January 4, 2022 and January 13, 2022.

  Truist Bank is an Equal Housing Lender. Member FDIC.

Photos courtesy of Morton Buildings, Inc.


SOURCE:
Morton Buildings and LightStream

Continue Reading

Live Better

Easy ideas to stretch your retirement budget: Ways seniors can save on enjoyable activities

Published

on

(Family Features) Retirement may mean you have unlimited time to enjoy each day, but it doesn’t mean you have a budget to match.

You probably already know staying active is essential for aging with grace, so instead of letting limited funds keep you at home, explore some ways you can enjoy your leisure time without breaking the bank.

Hit the Gym
Many fitness centers offer special rates and programs for older adults. Hitting the track or joining a group fitness class are easy ways to socialize while getting some exercise. The discounted membership is also an investment since staying fit is important for physical and mental health.

Enjoy Early Dinner Deals
You can still enjoy dining out occasionally, especially if you take advantage of lower-cost meals designed with older adults in mind. Many specials are for meals earlier in the day, which is consistent with a growing trend toward earlier dining. According to Yelp, the number of people eating from 4-6 p.m. has grown 9% (up to 26% from 17% in 2019). Eating earlier promotes better digestion, and earlier meals are often lighter portions for smaller appetites. For example, Cracker Barrel’s Early Dinner Deals feature smaller portions served from 4-6 p.m. on weekdays. Menu items include a variety of homestyle favorites like chicken n’ dumplins, meatloaf, catfish and more.

Check Out the Library
Your local library is filled with hours of free entertainment, but it’s not just the kind you’ll find from getting a library card. You can undoubtedly find a book that covers any genre or interest you can name, but most local libraries also offer programming tailored to special interests and the sessions are typically offered for free or at a low cost. It’s an easy, affordable way to pick up a new skill, meet a favorite author, learn about a topic that intrigues you and more. Other resources to explore include your library’s DVD collection and internet access if you don’t have a computer at home.

Nurture a Garden
Tending a garden may seem like a seasonal activity, but you can make it a year-round hobby. Researching and planning is a good way to carry your gardening enthusiasm into the cooler months and you can start seedlings indoors to extend your growing season. While you’re digging into this low-cost pastime, remember the results of your efforts, such as fresh fruits and veggies, can help cut your grocery costs, too.

Mind Your Money with DIY
Saving money at the grocery store is just one way you can make DIY projects work for you. There are dozens of other examples of ways you can put your skills and interests to use by passing time doing something you enjoy while benefiting your bank account. If you like to tinker with cars, figure out what repairs you can handle yourself and avoid hefty service fees. Crafting and sewing might mean you have ready-made gifts for special occasions and a way to repair or repurpose damaged clothing instead of discarding it.

Ask About Discounts
You may be surprised by how many places offer discounts for older adults that they don’t readily advertise. In some cases, you’ll find the information on their website or signage, but other times, you may find it easier to just ask. When you’re booking an appointment or checking out, inquire about discounts for older adults, including any restrictions, age requirements, the amount of the discount and other pertinent details. Sometimes the discounts are offered on certain days or for specific services, or they may require you to join a loyalty club to access the discounts. When dining out, many restaurants offer a variety of loyalty perks. Rewards members at Cracker Barrel can earn points, or “Pegs,” on qualifying restaurant and retail purchases. Members can also take advantage of bonus birthday, anniversary and surprise rewards throughout the year.

To find a location near you, visit crackerbarrel.com/locations.

Photo courtesy of Shutterstock (Couple gardening)


SOURCE:
Cracker Barrel

Continue Reading

Live Better

Bond with your four-legged friend

Published

on

(Family Features) Your dog may be one of your best friends, but that bond doesn’t happen overnight. Investing in quality one-on-one time can have a big impact on the bond you build with your four-legged companion.

One of the best ways to show dogs love is by keeping them healthy and spending quality time with them. Dedicating time every day to your dog’s well-being can help establish a connection, give you opportunities to express affection and foster shared bonding moments.

Training
Teaching your dog obedience isn’t just about eliminating undesirable behaviors. Training allows you to clearly communicate your expectations to your dog. It also builds your dog’s confidence through positive feedback received after mastering a command or new trick. Most dogs thrive on meeting their owners’ expectations, so consistent commands they can recognize and follow help deepen your connection.

Another way to build trust through behavior training is establishing regular routines. Giving your dog a clear set of expectations helps build mutual trust. You can create routines around the key milestones of each day, such as mealtimes, walks and bedtime.

Grooming
Some pets love bathtime; others avoid it at all costs. Either way, you can make the experience more rewarding for you and your pet if you use it as an opportunity to spend some quality time together and shower your pet with extra affection.

Many pets are especially sensitive to grooming near their eyes, but keeping the eyes clean and free of dirt and buildup may help reduce the risk of infection, reduce tear stains and support your dog’s eye health. Consider options like Project Watson eye wash for dogs, which comes in an easy-to-use bottle with a tip that allows for a steady stream of solution to use alone or by soaking a clean washcloth. Made with naturally inspired, high-quality ingredients, the eye wash is designed to match the pH of a dog’s eye and help remove dried mucous, foreign materials, pollen and other irritants.

Between grooming sessions, you can also clean your dog’s eyes with eyelid wipes. The wipes, which are part of the Project Watson line of dog care products developed by the experts at Bausch + Lomb and evaluated by veterinarians, are formulated with micellar technology that cleanses and hydrates around the eyes while helping remove excess buildup associated with irritated, dry eyes. The gentle formula is paraben free, pH-balanced and fragrance free, made to mimic the ingredients found in natural tears and provide a soothing, gentle cleaning.

Exercise
Your dog needs daily exercise, just like you. Make your workouts do double duty by taking your dog along for a walk or jog. Just be sure to match your workout level to your pet’s abilities; just like humans, dogs need to build up endurance before tackling an extended route. Also be mindful of the terrain and ensure your pet’s paws are safe from potential risks like sharp or abrasive surfaces and extreme heat or cold.

Down Time
While dogs need plenty of practical attention and structure, some of the best bonding comes from letting loose and simply enjoying interacting with your pooch. That might mean wrestling with a favorite toy, throwing a ball or just snuggling on the couch with plenty of petting and scratches.

For more suggestions to keep your four-legged friend happy and healthy, speak with your veterinarian or visit tryprojectwatson.com.

Photo courtesy of Shutterstock


SOURCE:
Project Watson

Continue Reading

Live Better

Plan your next vacation like a pro

Published

on

(Family Features) If the chance to unplug, recharge and just get away is calling your name, it’s a sign that it’s time to plan a vacation. Whether you envision a trip around town or across the country, getting organized and doing a little prep work can help you make the most of the experience.

A destination like California offers cities big and small with an assortment of activities, theme parks, shopping districts, beaches, restaurants and more to be explored. Start planning your next getaway with these travel tips from the experts at Visit California:

Plan Ahead
Last-minute trips can get you deals, but you might also be limited by what you’re able to see and do. Ticketed attractions that sell out quickly may be off the table, and the most desirable hotels can fill well ahead of time, too. Planning ahead often allows you to map out the most successful adventure.

Set a Budget
Be sure to consider transportation, accommodations, meals and admission to various attractions. Consider which aspects of a vacation are most important to you and budget more money to those areas, like a five-star meal, ocean view room or priority pass to a favorite park.

Take Advantage of Visitor’s Guides
Using tools such as visitor’s guides can help you make the most of your trip, from identifying must-see attractions to finding the best places to eat and sleep. Many guides are available to download for free online so you can immediately start exploring. For example, the “2024 California Visitor’s Guide: The Best of California” is a testament to the Golden State’s playful spirit, featuring “58 Reasons Why California is the Ultimate Playground,” and is filled with travel tips from passionate locals, like cover star Zoey Deschanel, including:

  • “8 New Trails to Explore,” showcasing freshly constructed paths in California’s parks
  • “Sustainable Sips,” a guide to some of California’s eco-friendly wineries
  • “Plan-Ahead Travel Guide,” where readers can learn how to score a spot at the state’s most coveted attractions
  • “6 Fabulous Film Locations,” a jet-setting guide from movie scout Lori Balton
  • “California Shopping: A to Z Guide,” a comprehensive guide to shopping throughout the Golden State

“From surfing dogs and summer skiing to cosplay conventions and a world-renowned culinary scene, California’s options for play abound, accommodating every type of traveler,” said Caroline Beteta, president and CEO of Visit California. “That playful spirit is ingrained in every aspect of what makes our state so special and this year’s guide will help readers discover how they can experience it firsthand.”

Pack Appropriately
Staying comfortable throughout your journey ensures you can focus on the experiences. Be sure you’re familiar with the climate, including the forecast during the time you’ll be visiting. While summer days can be quite warm, evenings on the coast often warrant a light jacket. Also be sure you’re prepared for the activities you’ve planned, such as adequate footwear for hiking, long pants for horseback riding and sunscreen for time outdoors.

Create an Itinerary
Even if you prefer a more spontaneous getaway, having at least a loose idea of how you’d like to spend your time traveling can help you be more efficient and avoid wasting time. Think about the things you want to accomplish and fit them together so you can avoid awkward gaps or unnecessary travel and ensure you get to pack in as many experiences as you’d like.

Start planning your next trip by visiting VisitCalifornia.com/travel-guides to order a guide and find additional tips and helpful tools.

Photo courtesy of Shutterstock (women hiking)


SOURCE:
Visit California

Continue Reading
Ad
Ad
Ad
Ad
Ad
Ad

Trending