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    City or Township Devon, PA
    Postal Code 19333, PA
    Neighborhood Neighborhood, Devon, PA
    School District School District, County, PA
    Listing Service Area Area, PA
    Address 123 Main St, Devon, PA
    Street Main St, Devon, PA
    Listing ID #123456
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    • Tips for Making HSA Contributions

      Most of us like saving money, and when it comes to health savings, a Health Savings Account (HSA) has many financial benefits. HSA contributions are tax-deductible, the money in those accounts grows at a tax-free rate, and qualified purchases made with these funds are tax-free. Additionally, the money stays in your account and rolls over from year to year, with no penalties for not using funds. Over time, these small advantages can add up and make a big impact on your savings goals.

      According to HSA administrators Clarity Benefit Solutions, HSAs can be even more beneficial when employees make the most of every dollar they contribute. Here are tips for maximizing the impact of your HSA dollars.

      Contribute the maximum allowed, if you’re able to. If your primary goal for your HSA is for savings, or because you anticipate a lot of out-of-pocket medical expenses in the future, then it is smart to contribute the maximum amount allowed each year. For individuals, the maximum contribution is $3,500, and for families, it is $7,000. If you are over 55 years old, you can make an additional catch-up contribution of $1,000 per year to increase your balance further. This allows you to maximize the amount of your money that is growing tax-free. If the maximum contribution is not reasonable for you, start with a lower amount and slowly increase as your income allows.

      Focus on eligible expenses. Traditionally, people use HSA money for things like deductibles, copayments, prescriptions, vision and dental expenses. However, there are other eligible items that you can purchase tax-free using HSA dollars that you might already be purchasing and paying taxes on. Some of these items include asthma equipment, crutches, first aid kits, shoe insoles, thermometers and vitamins.

      Invest for the future. You can invest a portion of your HSA funds in mutual funds to accumulate tax-free growth. If you have a higher income, it might be a good idea to use non-HSA money to pay for manageable healthcare expenses so that you can invest more of your HSA in a safe, tax-free environment.

      Source: Clarity Benefit Solutions

      Published with permission from RISMedia.

      Wed, 20 Feb 2019

    • 5 Ways to Avoid an Energy Crash

      (Family Features)--If you start each day motivated, but find your energy tends to fade throughout the day, a few simple and easy-to-implement changes to your routine could make all the difference. Minor adjustments to your eating habits, exercise routine and mental attitude can help boost energy levels so you can power through the day feeling fully charged.

      Tune in. Take the silence out of a dull morning with some of your favorite music to help ensure you're starting the day on a positive note. Turn on the radio while you're showering, plug in headphones while preparing breakfast or set a "wake up and get ready" playlist on shuffle during your commute.

      Start with breakfast. It's fairly common to skip breakfast if you're in a rush to get out the door, but those few minutes you save in the morning can end up costing you as the day wears on. That's because breakfast quite literally breaks your overnight fast and sends signals to your body that it's time to kick back into gear for the day. Choose a convenient, healthy option you can add to your morning routine so that you can get more out of your day.

      Get creative. If you typically spend your mornings focused on routine tasks, give your brain some creative freedom. Carving out time during the day for an activity you enjoy, such as sketching or coloring, watching inspirational videos, meditating or even brainstorming outside-the-box ideas for a fictional client, can help increase productivity when you turn your focus back to the task at hand.

      Shake up your afternoon pick-me-up. Mornings can go by in the blink of an eye, but afternoons sometimes seem to drag. A little boost may be all you need to keep going. An afternoon snack can help stave off the slump.

      Prep for the next day. If you're apt to take your work home with you, consider jotting down any end-of-day work thoughts and tasks for the following day before you leave for the night. Keeping a physical to-do list or journal can provide a starting point for the next morning. This can help prevent forgetfulness, reduce stress and potentially aid in getting a better night's sleep because your brain isn't buzzing from trying to keep a mental checklist.

      Source: Nescafe

      Published with permission from RISMedia.

      Wed, 20 Feb 2019

    • How to Do Away With Dust in Your Home

      If you find yourself at home with itchy, watery eyes and a sneezy, stuffy, runny nose, you could be allergic to dust, or more accurately, dust mites—microscopic organisms that feed off the dust around your house.

      Dust mite allergies are actually one of the most common indoor allergens. Luckily, there are important steps you can take to keep them at bay. Try these suggestions from the editors at Self magazine:

      Clean once a week. While cleaning once a week is a good starting point, twice a week would be even better. If making time to clean is a challenge, the task will become less arduous once you come up with a consistent routine and stick with it.

      Use a damp dust cloth. Instead of dusting with a dry cloth, dampen it first. This will allow you to actually pick up dust as opposed to just moving it around. A good dusting spray will also do the trick.

      Vacuum the right way. This can be achieved by using a HEPA (high efficiency particulate air) filter, which is particularly good at capturing dust mites. It’s also important to change the filter regularly. To determine the frequency that’s recommended for your machine, follow your vacuum’s instructions.  

      Wear a mask and gloves. In addition to wearing a mask and gloves while cleaning, be sure to cover yourself with long sleeves and pants. A face mask creates a physical barrier between your mouth, nose and the contaminants that trigger your allergies. Protective clothing and gloves will help prevent allergens from irritating your skin.

      Leave your house for a few hours. Cleaning tends to kick up dust mites and allergens, so once you’ve done a deep clean, get out of the house and allow them to settle. Try to leave a window or two open, weather permitting.

      Declutter your home as much as possible. Take the time to eliminate clutter so that dust has fewer places to settle and hide away.

      Wash your bedding weekly in hot water. Believe it or not, bedding is a prime area for dust mites, so keep this task at the top of your priority list. It’s also a good idea to vacuum your mattress, as well.

      Change your AC and heating filters. Air conditioning and heating vents regularly filter air throughout your home and capture dust and dust mites in the process, so be sure to change these every three months. A good way to remember this important task is to change them with the seasons.

      If your allergies are too severe to tackle these tasks on your own, hire someone to do this type of cleaning. Your health and well-being are worth the investment.

      Published with permission from RISMedia.

      Wed, 20 Feb 2019

    • Organize Your Way to a Brand-New Bathroom

      Is your bathroom experience less than spa-like? If so, it may not mean you need a major reno or a costly investment in new fixtures and flooring. It may be a simple matter of reorganization. Consider these ideas from the life-at-home experts at Martha Stewart Living:

      - If you have a pedestal sink or another variety without a lot of counter space—or if you just want to keep your sink area looking spacious and orderly—get some inexpensive wire crates and attach them to the wall with suction cups to house the items that often clutter up the sink area.

      - Get your medicine cabinet in order with flat-backed suction cups that adhere to the inside of your medicine cabinet door. They can hold combs, toothbrushes, tweezers, cotton swabs and other small items. Be sure to strategically place the cups between the shelves so the door can still close.

      - A bathroom drawer can quickly become a black hole of miscellaneous medicines, cosmetics and hair accessories. Get the chaos under control with wooden or metal drawer organizers that allow you to categorize items in their own personal cubbies. It will give you a chance to discard all those lotions and cosmetics you’re not using, too.

      - Create space and give your bathroom a spa-like touch by stacking towel bars on the back of your bathroom door. This will allow you to house more towels in the bathroom in a neat, unobtrusive way.

      - Another great way to add an organized, spa-like feel to your bathroom is to decant various shampoos and lotions into attractive containers. This creates a uniform, stylish look as opposed to a mishmash of shapes, sizes and colors.

      - If you’re short on storage space, add a shelf on top of your medicine cabinet to neatly and attractively tuck away supplies, such as extra rolls of toilet paper, cleaning supplies, bars of soaps or washcloths.

      Remember, having an enviable bathroom isn’t necessarily about having more space, it’s about using the space you have in the right way—and that starts with getting organized.

      Published with permission from RISMedia.

      Tue, 19 Feb 2019

    • Give Your Home a Modern Makeover

      (Family Features)--Even if your home has seen a generation or two of living, creating a contemporary new look may not require a full-scale renovation. The key to creating a more modern feel is all in the details.

      Many of these elements can be tackled one by one so you can transform your home into the modern marvel you desire on a timeframe and budget that fits your lifestyle. If a contemporary home is your ultimate goal, start with these key features to create a more modern look.

      Lighting. Dingy lighting and dim rooms are the antithesis of modern design. A contemporary space is airy and bright, and the lighting fixtures often help set that tone. Replace outdated fixtures with modern alternatives that boast sleek lines and finishes. Add more fixtures, including table-side task lighting and floor lamps, to brighten a room with limited natural light. Have some fun with the lighting by incorporating colored or textured globes that allow the fixtures to become focal points of contemporary design rather than functional afterthoughts.
      Windows. When it comes to curb appeal, windows play an essential role in the overall aesthetic. Old, outdated windows are a tell-tale sign of an aging home, so when you're planning for a modern exterior upgrade, be sure to include the windows as part of your plan. An option like Milgard Trinsic Series vinyl windows offers an expansive viewable glass area and a narrow frame to help you embrace modern home design. Not only do they provide even sightlines for clean, unobstructed views, they're manufactured for maximum durability and energy efficiency and require little to no maintenance.

      Walls. No matter the color, a freshly painted space simply feels new. For a true contemporary style, honor simplicity in design and keep colors on the lighter side. However, don't be afraid to introduce a pop of color in the form of a bold accent wall or even wallpaper that makes a statement. A good rule of thumb: maintain a simple palette of no more than three shades to incorporate a truly minimalist, modern atmosphere.

      Doors. The entry and exit points to your home are more than functional features; think of them as a canvas for making a bold design statement. For the patio, consider a sleek and contemporary door with a frame profile so narrow you'll hardly know it's there. For example, Milgard offers a contemporary Trinsic Series sliding patio door with the maximum available viewable glass area and an optional narrow handle that blends seamlessly into the frame to lend a modern flair. The doors are also ideal for low-maintenance living; the durable vinyl frames don't absorb moisture or require painting.

      Hardware. Even the smallest details matter when it comes to contemporary design. You may not need to replace or update your cabinetry, but you'll most likely want to select hardware that fits a more modern motif. Avoid weathered and overly polished finishes in brass or nickel, and opt instead for selections like matte black, gold and copper, which are all well-suited for contemporary kitchens. Don't be afraid to mix and match for a bit of an eclectic look, such as different pulls for the upper and lower cabinets or a unique style for drawers.

      Source: Milgard

      Published with permission from RISMedia.

      Tue, 19 Feb 2019

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