Year: 2021

Did you know there are a bunch of service providers that you can negotiate on your monthly?Who doesn't feel the sticker shock every time a phone, cable or internet bill arrives? Depending on which company provides the service, lower rates may be just a phone call away.LendEDU recently analyzed data from Truebill, a personal finance tracker, budget planner and bill reminder app that helps people manage their subscriptions, to determine which service providers are most likely to drop their prices if asked.Below are 14 service providers, which had the highest negotiation success rates:Be Well,Anisa Service Providers With Best Success Rate Of Negotiating Lower Prices With… SiriusXM: 80% of customers, or more, are successful in negotiating down their bill with this company. I did this and pay $5.99 a month! Suddenlink: 80% or moreCenturyLink: 80% or moreDish Network: 80% or moreOptimum Cable Vision: 70%-79%Sprint Wireless: 70%-79%ADT Security: 70%-79%DirecTV: 70%-79%AT&T: 60%-69%Cox Communications: 60%-69%Verizon Wireless: 60%-69%Frontier: 50%-59%Charter Spectrum: 50%-59%RCN: 50%-59% How Much Can You Save? So, how much money do you stand to save by asking a service provider for a better rate?For 16 of the 17 companies included in LendEDU's analysis, customers received 10% to 29% in savings, on average. How To...

There is no shortage of weight loss advice on the internet.Although some weight loss tips are helpful, others are ineffective, misleading, or downright harmful.Below are 5 weight loss tips that you may want to ignore completely.Be Well,Anisa 1. Always Eat Breakfast, Even If You're Not Hungry… You may have heard that it's important to eat breakfast to boost your metabolism after sleeping through the night. As such, many people force themselves to eat in the morning, even if they're not hungry. However, eating breakfast isn't necessarily beneficial for losing weight. In fact, studies have shown that eating or skipping breakfast has very little effect on weight, and that skipping it may even result in slightly more weight loss. Skipping breakfast is one form of intermittent fasting, which some people find helps them lose weight. Intermittent fasting may also have health benefits. If you are hungry, make sure to eat a breakfast high in protein so you'll be more satisfied and less likely to overeat at lunch. Like Goli But 1/2 The Price - Try It With Our Pulse Promise!Our deal is 1/2 price and comes with our Pulse Promise, If you don't notice a difference using these, return the unused...

As we get older it is natural to forget a few things. We always chalk it up to what we call "senior moments".But a new study on foods we eat may be to blame for forgetfulness, and not just our advancing years.The study below is quite alarming, but it really is easy to change and improve our cognition.Be Well,Anisa Journal Brain, Behavior… In a study published in the journal Brain, Behavior, and Immunity, researchers at The Ohio State University fed two groups of rats, one young and one older, a diet high in refined carbohydrates such as those found in highly processed foods. (Think potato chips, frozen pizza, preservative-laden deli meats - and yes, Cheez-Its.) After just four weeks of this junk-food fest, the older rats failed a series of cognitive tests. They couldn't remember places they'd just been, and didn't show fear when faced with signs of impending danger. The younger rats who chowed down on the processed food diet showed no signs of memory loss or inappropriate responses. Neither did a control group, both young and old, who were given their normal diet, which was made up of a healthy mix of protein, complex carbohydrates, and fat. Alarming...

Falling can hurt! It is even worse as we age and our bones become more brittle.While we can't avoid all potential hazards, there are many things we can do to lower the risk of falling and reduce the chance of serious injury.A recent study published in the medical journal JAMA found that for people over 75, deaths from falls more than doubled between 2000 and 2016. Keep reading, though: There's good news. "There are so many risk factors for falls, especially in older adults, that we can control, monitor, and change," says Carlos Jimenez, DPT, Director of Sports Medicine, Canyon Ranch.Here is an article from Carl that gives us seven?easy things we can do to lower our risk for falling and gain strength and confidence.Be Well,Anisa Exercise… Did you know that adults over 70 who practice tai chi twice a week for an hour reduced incidents of falls by 58 percent? Another study showed that yoga for seniors, such as chair yoga, or gentle yoga for balance classes, resulted in an improved ability to rise from a chair,?increased step length, weight loss, and a reduced fear of falling. Plus, therapeutic yoga and physical therapy can help correct kyphosis, a curvature...

I read this article from Chris Kissell and just had to share it. It was pretty eye opening to me as I save for retirement.I had no idea that there were these sneaky ways federal and state governments lay claim to your hard-earned savings..Here are five ways… were you aware of these? I knew a couple but not all!Be Well,Anisa 1. Taxes On Social Security Benefits… For decades, Uncle Sam has been siphoning a portion of your pay to help fund Social Security. When retirement arrives, it will be your chance to cash in as the money flows the other way. But be careful: There is a good chance that taxes will be due on a portion of those benefits. As we recently reported, if you have enough retirement income coming in, up to 85% of your Social Security benefits may be taxable. According to the Social Security Administration, individual filers with a combined income between $25,000 and $34,000 may have to pay income tax on up to 50% of their benefits. Earn more than $34,000, and up to 85% may be taxable. For those filing joint returns, a combined income between $32,000 and $44,000 may result in paying income...

Scams have been a part of our lives since I can remember. Years ago it may have come in the form of a Con Man and it wasn't very prevalent.Since the Internet it has gotten worse and now the level of sophisticastion is astounding. From phone calls, to phishing every day we are hit with some sort of scam.Most of us are convinced we will not fall for one, but the reality is a good portion (more than 50%) of us will.Let's explore more with a research study that breaks it down to a simple 4 beliefs you may have that make you susceptible to a scam.Be Well,Anisa A New Study… A new study looks at how the attitudes and beliefs that shape how we view the world - a concept known as "mental frames" - might influence how likely we are to fall prey to a scam, according to a two-year study by the FINRA Investor Education Foundation, the Better Business Bureau Institute for Marketplace Trust and the University of Minnesota. The researchers identified and interviewed 17 study participants. They came from a pool of people who filed reports with BBB Scam Tracker, an online fraud reporting tool. Ten...

Many of you are already in retirement and others, like me, are dreaming about it!One thing for certain is it is important to do your homework or you could be in for an unpleasant surprise.Some people buy into myths about retirement… such as how much they'll spend and where they'll live… without realizing that reality can be much different. By the time they discover the truth, it could be too late to make adjustments to their retirement plan.Don't get caught off-guard. Make sure you don't fall for these common retirement myths I found from an article form Money Talk NewsBe Well,Anisa 1. You can always work longer if you don't have enough savings… It's not unusual for people to think they can simply delay retirement or work part-time if they have meager savings. In fact, 72% of workers think they will continue to work for pay after they retire, according to the 2021 Retirement Confidence Survey from the nonprofit Employee Benefit Research Institute. The reality: While most workers think they will still earn a paycheck after retirement, the truth is only 30% of retirees have actually worked for pay, according to the EBRI survey. What's more, the survey found nearly...

We've explored Dementia many times. It's a disease that is rising at an alarming rate. To make matters worse, future numbers of how many people will be affected are downright scary.That begs to aks. How can we spot early indicators that our loved one may have Alzheimer's or dementia?I found this insightful article by Patrick J. Kiger who wrote this for AARP.From age 50 on, it's not unusual to have occasional trouble finding the right word or remembering where you put things.But persistent difficulty with memory, cognition and ability to perform everyday tasks might be signs that something more serious is happening to a loved one's brain.A loved one showing symptoms of dementia needs to see a medical expert who can conduct tests and come up with a diagnosis. If a loved one has dementia, you'll want to plan how you will manage that care, especially as the condition progresses.Below is a list of 7 things to watch out for.Be Well,Anisa Difficulty With Everyday Tasks… Everyone makes mistakes, but people with dementia may find it increasingly difficult to do things like keep track of monthly bills or follow a recipe while cooking, the Alzheimer's Association says. They also may find...

Did you realize all these tax credits and deductions exist… or that they apply to retirees?How does the adage go? With age comes… new ways to save on taxes.While you can't stop filing taxes just because you retire, being a retiree often means you can claim some worthwhile tax credits and deductions.In some cases, these tax breaks are available to both workers and retirees, so the latter often don't realize they might be eligible. In other cases, these tax breaks are effectively reserved for older taxpayers, meaning taxpayers may not hear about them until later in life.In this article from Money Talk News we will explore several examples of federal income tax breaks that retirees often overlook.Be Well,Anisa 1. Bigger Standard Deduction… For seniors who don't itemize their tax deductions, a higher standard deduction is a free potential reduction in your tax bill. Seniors generally get an increase of $1,300 per married person or $1,650 per single person from the usual standard deduction. For the 2020 tax year - meaning the return that's due in April - the IRS defines "senior" as someone born before Jan. 2, 1956. For two married seniors, for example, that's an extra $2,600 they get...

Today we'll be diving into the power of silence and why it isn't easy and why you need to practice it!This article by Stephanie Ludwig, PhD, MA, MDiv, Director of Spiritual Wellness at Canyon Ranch Tucson is a helpful tool to understanding and mastering it.Suddenly you have downtime. What do you do?Chances are, you're geared to filling in that time-probably without even thinking about it-by answering a few emails, doing a little work, cleaning, surfing the web, or catching up on your recorded TV shows. You may not think to yourself, I think I'll sit in silence.Yet most of us crave more downtime, more stillness. So why don't we make it happen?"Silence can make us uncomfortable because we're so used to distracting ourselves from what we're feeling-from difficult emotions like fear, resentment or anger," says Stephanie Ludwig."When we're truly and intentionally silent, we have to face whatever is inside of us." Instead, we keep moving and making plans and doing things for others. "We live in such a 'doer' culture-go, go, go, do, do, do," Ludwig notes. "If we really knew the blessings that come from being in silence, we would definitely make more time for it."Be Well,Anisa What Being...