Month: July 2022

I've been getting a bunch of emails and most are talking about inflation and how it is wreaking havoc on many of our retirement or planned retirement.I've had a goal to try and retire soon and inflation has made me look at additional ways to save.Over the past months done these four things and I have to say it has been amazing how much money I have saved.See if any or all of these can help you!Be Well,Anisa 1. Talk With My Insurance Agent… This was alarming to say the least. Insurance is one of those things you set up once and don't pay attention to. Well after talking with my agent and telling him I needed to find ways to save money I was shocked just how "over insured" I was! For my car I raised my deductible. I had a $250 deductible. I raised it to $100. Next was a low mileage discount. I live close to work and don't put many miles on my car. I didn't know that I could get a better rate because of this. I ended up saving $180 a year on these changes. We moved onto my home owners insurance… and just...

If you are thinking about retiring soon, you may dream of quitting your job and traveling the world. However, before you call it quits, there are a number of reasons you may want to think things over.Be Well,Anisa Living Longer… You may live longer than you expect, you may run into unforeseen health issues or face tough financial times that force you to cut back. That's not to say you shouldn't retire early, but if that's your plan, run various scenarios to make sure your savings are going to cover your expenses during retirement and offer a lifetime of income. Replace Doubt With Certainty… Same with not retiring soon enough. If you're unsure your savings will be adequate, you'll worry and as a result, perhaps work longer than you have to. You're much better off knowing what you have and what you'll need. Replace doubt with certainty and only work as long as you want to. In Closing… Know when to retire is always tricky. No one has a crystal ball. Certainly the current inflation rate has given pause to many who were ready to retire. It could be time to meet with a financial planner, or at the very...

Age is inevitable, but looking your age doesn't have to be. There are a variety of tips and tricks that can be employed with very little cost-zero gimmicks-and shave a few years off your looks. We asked the experts for the ones you may not know already.Be Well,Anisa Limit Your Caffeine Intake-It Can Cause Dry Skin… This one may be the hardest one for me to follow! And like me, coffee is essential to many of us! Did you know, "it also causes damage to your skin, especially if you're prone to acne or other common skin conditions," says Rebecca Fitzgerald, MD. Instead drink plenty of water and maintain a well-rounded diet because a healthy body equals better skin for most patients. Say "No" Sometimes… "My best anti-aging tip is the ability to say no, no, and h**l, no," actress and former America's Got Talent judge Gabrielle Union, 48, told Women's Health back in March. "We run ourselves ragged saying yes to every freaking thing, whether it's to our family, spouses, or careers. I sleep eight hours a day and don't let myself stress out. A lot of people call it selfish, but I don't have any wrinkles," Union said....

If you're like me you spent the holiday weekend outdoors soaking up as much sun as possible.While we can all use the Vitamin D the sun can be harmful to us. Make sure you check your skin.Even if you diligently watch for changing moles and other possible signs of skin cancer, you should not ignore changes that are unlikely to be cancer but could spell trouble, skin-health experts say. In some cases, these changes are warning signs of other potential problems; in others, they are treatable conditions that tend to get worse if you do nothing.Be Well,Anisa 1. VERY DRY SKIN Dry skin isn't deadly, but it can make you vulnerable to more serious problems, including skin infections and inflammation. As we age, the glands in our skin produce less oil, making it dryer. Joseph Jorizzo, M.D., a professor of dermatology at Wake Forest University School of Medicine in Winston-Salem, North Carolina, estimates that about one-third of people are especially prone to dryness because they have low levels of a barrier protein found in the skin's outer layer. Those people are "really going to notice it when they get past 55," he observes. Dryness tends to be worst in winter,...