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  • Retirement Plans: What Should You Know?

    Required Withdrawals from Retirement Plans: What Should You Know? You may spend decades contributing to your IRA and 401(k). But eventually, you’ll need to withdraw from these accounts – so you’ll want to know just how much you should take out. First of all, you generally should begin taking... Read more

  • Common Causes of Hearing Loss In Adult

    Hearing loss is one of the most common problems for adults, as only arthritis and hypertension are more common.  The most common causes of hearing loss for adults in the United States today are: Genetics: Inherited sensorineural hearing loss can occur at any age, including in adulthood. Nearly 20%... Read more

  • The Basics of Graphic Designing

    The basic elements of design include colour, line, shape, scale, space, texture and value and these are the fundamental pieces that make up any piece of work. Did you know that shapes can convey a mood just like any other element of design? Angular shapes like squares and triangles... Read more

  • Adult Vaccinations

    The world of adult vaccinations can seem like a confusing mess, but it gets pretty easy if you focus on two issues. First, what infection are you most likely to get? Flu and pneumonia are very common infections and far outstrip other illnesses that can be vaccinated against. Second,... Read more

  • TMJ disorders

    Dentist focus on the relationship between your teeth and jaw along with taking care of dental health needs. TMJ disorders would be in this category . Other terms sometimes used to describe TMJ disorder are CMD (craniomandibular dysfunction ) and MPD (myofascial pain dysfunction). SYMPTOMS OF TMJ DISORDERS Popping... Read more

  • Insurance For Pets

    As the amount of money spent on pet healthcare increases steadily at an estimated rate of 40% a year, and as pets become more like family, owners are looking to have their pets covered by insurance. Some basic plans start at $10 a month, while more extravagant plans cost... Read more

  • Obesity in Pets

    Gaining a few extra pounds can cause big health problems for your pet. Although chubby pets may look cute, extra weight increases the risk that your pet will develop several preventable diseases and health conditions, including diabetes, arthritis, and liver disease. Obesity affects pets in many of the same... Read more

  • Does Market Volatility Scare You?

    Halloween is almost here. Of course, most costumes and decorations are more amusing than frightening. But some people seem to have real fears about other things – such as what may happen in the financial markets. To keep these fears at bay, consider the following suggestions: First, don’t stop... Read more

  • Untreated Hearing Loss Can Cost You

    Research has already shown that hearing loss has an effect on a person’s quality of life, including feelings of isolation, fatigue, and stress as well as increasing the risk of the onset of dementia. However, it has also been determined that not seeking help for hearing loss can affect... Read more

  • DO I HAVE TO VACCINATE MY PET?

    Have you ever wondered if the vaccinations your pet receives are really needed? Experts agree that widespread use of vaccinations within the last century has prevented death and disease in millions of animals. Vaccinating your pet has long been considered one of the easiest ways to help him live... Read more

  • “Empty Nesters”

    When your children leave home and you become an “empty nester,” you’ll probably need to adjust your lifestyle — and you may want to make some financial moves, too. For example, if your mortgage is nearly paid off and your spouse has sizable resources for retirement, you may not... Read more

  • HEARING IN MODERATION

    Persons with moderate hearing loss may understand conversational speech while close up and face to face with the speaker. However, in most listening situations, a person with a moderate hearing loss will miss 50-75% of speech. Most will comment that they can hear but not understand. This can cause... Read more

  • Hear Better, Think Better

    A study conducted at Johns Hopkins School of Medicine has found that “for individuals older than 60 years, more than one third of the risk of dementia was associated with untreated hearing loss.”  The researchers suggested that using hearing aids can help minimize the risk of dementia. A larger... Read more

  • Euthanasia: Saying Goodbye

    It’s not easy to say goodbye to cherished pets, even those that have lived long, happy lives. Although you may hate the thought of life without your pet, euthanasia can be the kindest decision you can make when your friend is suffering. If your pet is in constant pain... Read more

  • What Will Be Your Legacy?

    August is “What Will Be Your Legacy? Month.” But while this special month may not be on your calendar, it can remind you of how important it is to start planning your legacy. In particular, you’ll need to work with your legal and tax advisors to create the proper... Read more

  • WHY WAS I THE LAST TO KNOW?

    Hearing loss is one of the most common undetected and untreated health problems in the United States. Recent statistics indicate 15% of adults age 45-64 years and 27% of adults 65-74 years old have significant hearing loss. Hearing loss too often goes unnoticed or “sneaks up” on the individual... Read more

  • KEEP YOUR PETS SAFE DURING FIREWORKS SEASON

    Imagine how startled you would be if you suddenly heard loud booms and saw bright lights but had no idea what caused them. Although your family may eagerly anticipate fireworks every year, you pet has no idea that your usually peaceful home will soon be disrupted by loud, frightening... Read more

  • Want to Retire Early? Start Planning Now.

    The average American retires at about age 63, according to the U.S. Census Bureau. But what if you don’t want to wait until 63 or so? Can you afford to retire early? Possibly- but it could be challenging. Still, you may be able to boost your chances by following... Read more

  • HEARING LOSS & NOISE EXPOSURE

    Although hearing problems are commonly associated with aging, more than 5 million young people in the United States between the ages of 6 and 19 report noise-induced hearing loss and more than half of all hearing-impaired persons are under the age of 65. America’s kids need to dial the... Read more

  • Do you think that your pet may have seasonal allergies?

    If you have seasonal allergies, you are very familiar with the symptoms of the condition, but your pet experiences different symptoms when seasonal allergies flare up. Allergies are more likely to affect your pet’s skin. If your dog or cat frequently licks or scratches its skin when spring or... Read more

  • Declare Your Financial Independence Day

    We’re getting close to the Fourth of July, when we celebrate our many freedoms. The U.S. Constitution grants us many of these liberties, but we have to earn others – such as our financial freedom. How can you achieve this goal? For starters, always contribute as much as you... Read more

  • My work plan allows me to take a loan against my 401k.

    “Is that a good idea?”   Actually, there are some good reasons for not dipping into your 401(k). When you take out a 401(k) loan, you are removing resources intended for your retirement. And even though you’ll repay the loan, you’ll lose the time when your money could have... Read more

  • DIABETES AND HEARING LOSS

    Diabetes is a disease characterized by elevated blood glucose levels. People with diabetes often develop hypertension, high cholesterol, and other cardiovascular diseases. Diabetes affects about 10% of adults in the United States and about 40% of these cases are undiagnosed. For many years the relationship between diabetes and hearing... Read more

  • It Only Takes One Bite

    How do dogs and cats get heartworm disease? There’s only one way – through a mosquito bite. It cannot be spread from one pet to another. If the pet is not on a heartworm preventative all year, the larvae mature and multiply, causing damage to the heart and lungs.... Read more

  • RABIES

    Rabies is a deadly disease caused by a virus that attacks the nervous system. The virus is secreted in saliva and is usually transmitted to people and animals by a bite from an infected animal. Although bite wounds are the most common way the virus is transmitted, any contact... Read more

  • WORK LESS, HEAR MORE!

    An important benefit from using properly fitted hearing aids is that understanding takes less work and less energy, meaning you will be less stressed and fatigued at the end of the day. We know that persons with hearing loss no longer have “automatic hearing”, that is to say that... Read more

  • “How do you stay calm in this business?” Wow. That’s a Great question!

    Several others have asked me the same thing. Hey, we all know that no one controls the market, and we’re all trying to win in our portfolios, so why do some people seem a mess about and others seem calm? I’d like to say the answer is easy, but... Read more

  • CARING FOR YOUR OLDER PET

    Many of the same problems that affect people as they age, such as arthritis and diabetes, can also affect your pet. Making a few changes to the way you care for your furry friend will help you ensure that your pet stays healthy and happy as the years go... Read more

  • EAR-CLEANING GUIDELINES

    An updated clinical practice guideline from the American Academy of Otolaryngology – Head and Neck Surgery Foundation was published because there is an inclination for people to want to clean their ears because they believe earwax is an indication of uncleanliness.  This misinformation leads to unsafe ear health habits.... Read more

  • What’s the priority?”

    “I have kids, so I don’t know how to save for college AND retirement. Great question! First, let’s remove the idea that it’s one or the other. Almost everyone with more than one bank account is working toward multiple goals. You can, too. The solution here is develop a... Read more

  • What does it mean for the Dow to hit 20,000?

    Well, nothing really. It’s just a fun number. The Dow Jones Industrial Average (DJIA or Dow) is price- weighted index that gets its value from 30 stocks of large US companies. It’s sort of like a cross-section, and it’s simply a method of attempting to measure the market’s direction... Read more

  • D.A.T.A.M.A.R.S

    The American Humane Association estimates over 10 million dogs and cats are lost or stolen in the U.S. every year, and one in three pets will become lost at some point during their life. Furthermore, only about 22 percent of lost dogs that entered the animal shelters were reunited... Read more

  • Identifying Hearing Loss

    15% of Americans have hearing loss.  The statistics are shocking and even more so knowing that over half of those 37.5 million Americans are under the age of 65. Hearing loss can be caused by exposure to loud noises; ear infections, trauma, or ear disease; illness or certain medications;... Read more

  • Is this a good time to invest?

    I’m often asked whether or not this or that time is a good time to invest. For example, with the market being as high as it is now, I have encountered reticence about investing in equities, or even investing at all. In response to this, I rely on the... Read more

  • Secondhand Smoke Affects Pets Too

    The effects of secondhand smoke on people are well documented. Exposure to tobacco smoke causes a variety of serious health problems. Not surprisingly, secondhand smoke also increases the risk of health problems for your pet. Breathing in tobacco smoke can increase the chance that your pet will develop lung... Read more

  • Holiday Foods, Are They Safe for Our Pets?

    We’ve all heard about animals getting sick after eating jerky type treats. According to the FDA, there have been reports of 3,600 dogs and 10 cats that have become sickened after consuming jerky treats since 2007 resulting in the death of 580 of those pets. The majority of those... Read more

  • What’s The Most Common Question About Investing

    The most common thing I hear about investing is “that stuff is too complicated for me.” In fact, it’s so prevalent to hear that phrase nowadays that I’ve actually started running across the misconception that a retirement or investment plan has to be complicated in order to be smart.... Read more

  • Does Your Pet Have Fleas?

    For every one flea you see, there are at least 10 in your house. Fleas can survive on your pet and inside your house anywhere during the colder months. Even if your pet is clean, it can pick up fleas at any time no matter where you are. Fleas... Read more

  • “Should I own this stock?”

    I’m often asked “Should I own this stock?” It’s a valid question, but unfortunately, it’s nearly impossible to answer without a lot more information about the person asking me. Before owning any investment, you and your Financial Advisor should carefully evaluate the assets you already own, your place in... Read more