(Family Features) If you’re looking to get away, fall is a perfect time to plan an escape. With smaller crowds at many popular destinations and more comfortable weather, scenic autumn landscapes and cozy hideaways await.

To get your planning started, consider these tips to enjoy a spectacular fall vacation without breaking the bank.

Choose a Destination with Beautiful Scenery
When planning a fall vacation, research the cost of living for potential destinations. Some places may have lower costs for accommodations, dining and attractions, allowing you to stretch your budget further. Considering destinations known for their stunning fall foliage, such as New England, can allow you to take advantage of budget-friendly activities, like nature walks or sightseeing, that capitalize on the beauty and charm of the season.

Time Your Trip to Take Advantage of Deals
Timing is key when it comes to finding the best deals. Consider traveling during the shoulder season, which is the period just before or after peak tourist seasons. During this time, prices for accommodations and attractions are often lower and there are fewer crowds. If you have the freedom to choose when to go on vacation, look for off-peak days or midweek travel. Prices tend to be lower during these times compared to weekends or popular travel holidays.

Pack Essentials to Save on Unnecessary Purchases
Packing strategically can help you save money and avoid unnecessary purchases. Consider packing these essentials:

• Layered clothing: Instead of bulky sweaters or coats, opt for lightweight layers that can be easily combined to keep you warm.
• Reusable water bottles: Bringing a reusable water bottle helps you avoid buying bottled water and reduces waste.
• Snacks: Packing snacks like granola bars or dried fruit can help you reduce food costs while you’re out and about.
• Travel-size toiletries: Transfer your favorite products into smaller containers or purchase travel-size bottles instead of buying pre-packaged versions.

Pick Budget-Friendly Activities and Attractions
Popular destinations often offer a wide range of budget-friendly activities and attractions. Consider these ideas that won’t break the bank:

• Hiking and nature walks: Take advantage of the beautiful fall foliage by exploring hiking trails and nature reserves. Many of these outdoor activities are free or have minimal entrance fees.
• Local festivals and events: Research local festivals and events happening during your trip to immerse yourself in the unique culture and traditions of the area.
• Local markets: Explore farmers markets or craft markets to discover unique products and support local businesses. Often free to enter, these markets offer opportunities to sample local food and purchase souvenirs.
• Museums and galleries: Look for museums and galleries that offer free or discounted admission during certain days or times to explore local art and history without spending a fortune.

Save on Accommodations
Finding affordable accommodations during the peak of fall can be challenging, but with these tips, you can save money while still enjoying a comfortable stay:

• Book in advance: Plan your vacation early and take advantage of early bird discounts or promotional offers.
• Consider alternative accommodations: Instead of traditional hotels, explore options like vacation rentals, hostels or bed and breakfasts, which can be more budget-friendly and provide a unique and personalized experience.
• Stay outside the city center: Accommodations located outside main tourist areas are generally more affordable. Consider staying in nearby suburbs or towns and utilize public transportation to explore the city.
• Use price comparison tools: Take advantage of price comparison websites to compare rates across different accommodations to find the best deals and save money on your stay.

Find more tips and tricks to save on fall travel at eLivingtoday.com.

Photo courtesy of Unsplash

SOURCE:
eLivingtoday.com

(Family Features) From a regenerative bath to that first cup of coffee, early morning rituals have the power to heal, restore and fuel. They can leave you feeling accomplished, empowered and ready to take on the day. How you spend your hours from 5-9 each day can ensure you’re well prepared to tackle whatever your 9-5 throws your way.

Establishing a well-planned and consistent routine removes the guesswork and makes it easy to accomplish more during these essential hours that set the stage for the day ahead. Get a jumpstart on your day with these tips to make the most of your morning routine.

Set Personal Goals
Just as no two people are exactly alike, your morning routine should reflect your unique needs. Some people need these early hours to ease out of sleep and gradually work toward a busy day while others jump out of bed ready to set the day in motion. Decide what you can realistically accomplish in your waking hours before you hit the office or school drop-off line and plan a sequence that makes sense for you and your family. When you have a steady routine in place, it’s typically easier to keep up with habits like early morning workouts, and on days when your energy is lagging, you can shift into autopilot and still get everything done.

Create a Rejuvenating Space
No matter your 5-9 routine, the bathroom is central to it. You can start the day with a more positive outlook when you get ready in a space that’s equal parts functional and beautiful. With stunning design, innovative features that make life easier, environmentally conscious performance and do-it-yourself installation ease, the Aspirations Collection from American Standard provides a full suite of bathroom products to start your day right.

This collection gives you plenty of reason to consider upgrades, whether coordinating a full bathroom and accessories or installing just one or two elements like a unique faucet. Choose one with a pull-out, swivel spout to quickly clean those hard-to-reach corners or a touchless option for hands-free convenience. Find the right sink to match with four different stylish options that lend a personal design while streamlining morning routines for you and your family. Awaken your senses with a four-function showerhead and keep all your bathing essentials organized with a clever shelving wall panel. Reflecting nearly 150 years of quality craftsmanship, design and reliability, each piece within the collection delivers big on style and performance.

Practice Good Sleep Habits
The way you end each day influences how you start the next one. Going to bed on time, avoiding screen time before you turn out the lights and creating a comfortable sleep environment are all keys to restful sleep. However, managing your sleep doesn’t end once you reach dreamland; your wake-up routine is also an essential aspect of a healthy sleep schedule. One of the biggest detriments to quality sleep is hitting snooze to delay your day. Just a few more minutes easily becomes 20, 30 or more and none of that time is quality rest, so you’re not really gaining anything.

Ensure You’re Well-Equipped
Few things can sidetrack a good morning routine like discovering an empty bottle of shampoo or an empty can of shaving cream. Make a habit of regularly taking inventory of your morning supplies. Watch for sales so you can keep backups on hand to ensure you’ll always have your favorite toiletry items ready to help you feel refreshed and ready to go.

Make Time for Breakfast
Countless studies affirm the importance of a well-rounded breakfast. Researchers have found good nutrition provides fuel to help give you energy, promote clearer thinking and problem solving, improve mood and memory, and more. If you can’t stomach a full meal, look for alternatives to give your system a morning boost, such as a protein-rich smoothie early and a more substantial snack later in the morning.

Enjoy a Mindful Moment
Making time to relax or do something you enjoy can set a positive tone for the day. You might savor a few quiet moments over a cup of coffee or spend quality time with a pet. Early morning light and nature sounds can provide calming background for meditation, or you might simply use the time to organize your to-do list so you feel better prepared to tackle the day.

Take Time to Tidy Up
When it’s time to put the workday behind you, it can be easier to make the mental shift from work mode to life mode when there’s not a list full of chores awaiting you at home. As part of your morning routine, make your bed, clean your vanity countertop and complete other small chores to make your evening load lighter.

Find more ideas and inspiration for making the most out of every morning at americanstandard.com.

SOURCE:
American Standard

(Family Features) Every day, criminals target older Americans with one goal – to steal their Medicare numbers and other protected health information. To fraudsters, this information is just as valuable as credit card information. These criminals steal Medicare numbers and unlawfully bill Medicare for medical services that were never provided to the patient or overbill for provided services.

When criminals commit fraud, and falsely bill Medicare, people’s medical records may become inaccurate and they can suffer delayed or even be denied care. In the end, Medicare fraud costs taxpayers billions of dollars every year. Each dollar lost to fraud takes away resources intended for people with Medicare.

Protect Yourself
Fraudsters are getting creative and new scams are continually emerging. The best thing you can do is beware of people who contact you for your Medicare number or other personal information. You may be contacted by phone, text or email by someone posing as a Medicare representative, a health care provider or even a medical equipment company. If someone you don’t know asks for your Medicare number, hang up or delete the message – this is a scam.

Consider these tips to help protect yourself against Medicare fraud and stay one step ahead of fraudsters:

• Guard your Medicare card just like your Social Security card and credit card.
• Only share your Medicare information with your trusted health care providers.
• Be skeptical of free gifts, free medical services, discount packages or any offer that sounds too good to be true.
• Always check your Medicare claims statements to make sure they are accurate. Call 1-800-MEDICARE if you suspect you or Medicare has been billed for a service you did not receive.

Watch Out for Medicare Hospice Fraud
Beware of scammers offering older Americans in-home perks, like free cooking, cleaning and home health services, while they are unknowingly being signed up for hospice services. The scammers then unlawfully bill Medicare for these services in your name.

Criminals are using every avenue they can to sign you up including door-to-door visits, false advertising, phone, text and email. Hospice care is for people who are terminally ill and only you and your doctor can make this serious decision if you need end-of-life care.

Remember this advice to avoid hospice scams:

• Your doctor is the only one who can certify you’re terminally ill (with a life expectancy of 6 months or less). If you are not terminally ill, you should not receive hospice care.
• Never accept perks or gifts in return for signing up for hospice services.
• Medicare will never provide “free” services like housekeeping.
• Be suspicious if someone offers you free services like housekeeping or cooking in return for your Medicare number.
• Medicare will never come to your home.

Report Medicare Fraud
Reporting Medicare fraud protects you and millions of other people with Medicare and those with disabilities. If you or someone you know has experienced Medicare fraud or suspect an offer you’ve received is a scam, report it as soon as possible. You will never be in trouble for reporting fraud.

To learn more, visit Medicare.gov/fraud. To report potential fraud, call 1-800-MEDICARE (1-800-633-4227).

Information provided by the U.S. Department of Health & Human Services.

Photo courtesy of Shutterstock

SOURCE:
Centers for Medicare and Medicaid Services