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Meeting Invitation
Meeting Invitation


    Rebecca Ebert Rebecca_Ebert


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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - Sponsored by GAF - It's time to stop thinking of Millennials as totally uninterested in owning anything just because they were early adopters of Uber.

    The newly released U.S. home ownership rate rose in 2017 for the first time in 13 years - it now stands at 64.2 percent - driven mainly by a shift towards owning over renting by the under-age 35 crowd who'd been wary of committing for both financial and personal reasons.

    "This is happening because young households are buying homes. Full stop," Ralph McLaughlin, chief economist at home listings provider Trulia, told the Wall Street Journal.

    They're not the only purchasers, of course. Which means if you're looking to sell your house now or in the not too distant future, you might want to check out this generational roadmap to four upgrades experts say are worth it to help attract potential buyers.

    * Cross-generational: a new steel door. The only thing that beat it on Remodeling magazine's annual Cost vs. Value Report for 2017 was loose-fill attic insulation, but this project - with a 90.7% return on investment - speaks directly to the report's main takeaway: "Curb appeal projects, by and large, generated higher returns on investment than work done inside the home."

    Plus, as far as Millennials go, while their ideal interiors may differ from older generations - for example, they prefer open floor plans and hardwood floors - Architectural Digest says they're still into "traditional exteriors."

    * Millennials: smart-home tech. Yes, there are Boomers and Generation Xers who are super tech savvy, but Millennials especially crave homes that allow them to control their heating, air-conditioning, home security, and lighting systems from their phones.

    "They want to use their brains for other things, not for remembering whether they adjusted the heat or closed the garage door," Angie's List stressed.

    * Cross-generational: a new roof. It's the ultimate curb appeal enhancer and a perennial Remodeling magazine A-lister, with Credit.com having observed that "buyers pay a premium for one already in place."

    So if the first thing prospects notice even before exiting their cars looks like something out of "Twister," you've got a problem.

    "It's a huge turn-off," said Patsy O'Neill, a sales associate with Sotheby's in Montclair, New Jersey, "and makes buyers of all ages predisposed to find even more things they don't like."

    If your roof does need replacing, those particularly interested in targeting Millennials might want to consider the very affordable Sienna line of diamond-shaped shingles from GAF (gaf.com), North America's largest roofing manufacturer, since they capture that generation's sensibilities.

    "They pick up on key Millennial style trends of natural, clean materials, clean lines, and the integration of artistic elements," said Leslie Franklin, executive director of residential marketing at GAF.

    * Millennials: all-new appliances. Realtors will tell you that major kitchen (and bath) upgrades aren't generally worth their high costs, in terms of return on investment, since prospective buyers' tastes can clash with yours.

    However, Millennials do love, love, love all-new stainless steel appliances. So much so that what RealtyTimes.com called "an astonishing majority of 75 percent" of respondents in a recent survey chose to spend their hypothetical home buying budgets on them.

    Ref: Gardens - in Blogs
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    Amy Christie amy_christie


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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - Joanne C. was 74 when she had a stroke two years ago that left her paralyzed on the entire right side of her body. She refused to accept that she'd end up in a wheelchair and began rehabilitation, determined to get her life and body back to where it was before her stroke.

    Joanne's hard work paid off. She has regained much of her strength and movement and can walk again. In large part, she credits her SilverSneakers exercise classes - offered through her HumanaChoice® PPO, a Medicare Advantage preferred provider organization (PPO) health plan - as key to her successful recovery.

    Being a SilverSneakers member helped keep Joanne in good physical condition before her stroke. "SilverSneakers helped me be familiar with many of the exercises they had me do in physical therapy and gave me the confidence and strength to persevere through a difficult rehab process," Joanne says.

    Numerous studies, including Tivity Health's SilverSneakers Annual Member Survey of 2016, confirm that exercising, especially with others, improves older adults' physical and mental health.1,2, 3

    However, there are challenges that prevent many Medicare beneficiaries from joining gyms and fitness classes.

    By offering SilverSneakers through its Medicare Advantage (MA) plans, Humana is working to overcome those barriers so more people with Medicare can benefit from exercising.

    For those on a fixed income, joining a gym can be expensive. SilverSneakers provides gym access at no additional cost to many of Humana's MA members across the country, including those in Florida and Texas. SilverSneakers has partnered with almost 14,000 fitness and wellness centers around the U.S. and, with national reciprocity, SilverSneakers members can go to any one of those facilities.

    The program is designed with the Medicare population in mind and taught by certified instructors who offer classes and modifications for all fitness levels. These instructors are specifically trained to help members avoid stress-related injuries to muscles and joints.

    There's also a wide variety of classes offered, including circuit training, yoga, Latin dance and even an outdoor boot camp. SilverSneakers members also have access to all of a facility's amenities, which can include a range of exercise equipment, weight rooms and swimming pools.

    "According to Tivity Health's annual survey, SilverSneakers has made a significant difference in the lives of many of our Medicare Advantage members, not only in their physical health, but also in their social life," says Lauri Kalanges, M.D., Humana's Medical Director of Medicare Products for the Mid-Atlantic Region.

    Tivity Health's Annual Member Survey of 2016 found that 91 percent of SilverSneakers participants reported an improved quality of life. SilverSneakers has had a substantial impact on the health of its participants, reducing hospitalizations and the risk of depression.3

    For more information about SilverSneakers, go to www.silversneakers.com.

    Humana is a Medicare Advantage HMO, PPO and PFFS organization with a Medicare Contract. Enrollment in any Humana plan depends on contract renewal. This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments and restrictions may apply. Benefits may change each year. SilverSneakers is not offered on all Humana MA plans in all areas.

    1. Nguyen Q, Ackermann RT, Maciejewski M, Berke E, Patrick M, Williams B and LoGerfo JP. Managed-Medicare Health Club Benefit and Reduced Health Care Costs Among Older Adults. Prev Chronic Dis 2008;5(1).

    2. Nguyen HQ, Maciejewski M, Gao S, Lin E, William, B, LoGerfo JP. Health Care Use and Costs Associated with Use of a Health Club Membership Benefit in Older Adults with Diabetes. Diabetes Care 2008; 31:1562-1567

    3. Nguyen, Koepsell, Unutzer, Larson and LoGerfo. Depression and Use of a Health Plan-Sponsored Physical Activity Program by Older Adults. Am J Prev Med 2008;35(2):111-117

    Ref: Dance - in Blogs
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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - Now more than ever, building relationships is important to small businesses so they can compete in the global marketplace.

    The Smart Money Network is a community of digital marketing experts whose mission is to support entrepreneurs as they grow their businesses, especially in the new and increasingly online economy.

    Having a partner to navigate the field of digital marketing can help small businesses get the edge they need. The Smart Money Network collaborates with small business clients and coaches them on how to engage a target audience with the right message at the right time, using a combination of digital tools and the power of persuasion.

    The Collaboration Starts with A Conversation.

    "Conversation is the seed of opportunity," according to the Smart Money Network website. Experts work with small business owners and entrepreneurs to find and build relationships with their target audiences using social media platforms such as LinkedIn, then deploy tried-and-true principles of persuasion that convert to new business opportunities.

    Author Robert Cialdini describes six principles of persuasion in his book, "Influence - The Psychology of Persuasion." These principles include the concepts of scarcity (making your product or service seem more desirable), reciprocity (using small favors to entice), likability (pleasantness can go a long way), consensus (word of mouth that others use your product or service), consistency (customers need to feel they can count on what you say you will deliver), and authority (make sure you support your products or services with facts about your experience and credentials).

    These principles can be applied in the world of digital marketing, which is becoming increasingly essential in the post-COVID-19 entrepreneurial environment. More people are spending more time online, and learning how to grab the attention of potential clients can help businesses flourish.

    Smart Money Network creates intentional done-for-you social media campaigns that position clients as authoritative and credible resources, and drives up to 30 new business opportunities a month.

    According to Smart Money Founder and CEO Mike Harris, "You only have about three seconds to capture someone's attention and give them enough information to determine whether you are worth connecting with."

    Visit smartmoneynetwork.net to learn more about how to make the digital connections that can boost your business.

    Ref: Finance - in Blogs
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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - Today most homeowners want to do right by the environment while also caring for the health and wellness of their own families. But they don't always know what measures they can take with the design, construction, and furnishing of their houses to achieve eco-friendly, health-enhancing results.

    "Many responsible consumers are uncertain what a 'sustainable' product or material is," notes Linda Jovanovich of the American Hardwood Information Center, www.hardwoodinfo.com.

    "It simply means the particular resource is self-replenishing - something we can use freely now without fear that its supply will run out in the future. Since American hardwood forests renew themselves almost twice as fast as they are harvested, the U.S. supply of hardwoods for flooring, furniture, cabinetry, and millwork is sustainable now and for generations to come."

    As well as being plentiful and sustainable, American hardwood is carbon neutral: Growing trees absorb carbon dioxide from the atmosphere and break it down into oxygen, which is returned to the air, and carbon, which is used to create roots, trunk, branches, and leaves. In short, the use of natural American hardwoods throughout a house helps with the long-term removal of carbon from the environment.

    Hardwood can also benefit a household's general well-being.

    When artist Hadley Williams renovated her family home in California's Bay Area, she asked the makeover team - designer Sherry Williamson, architect Andrew Mann, and builder Michael McCutcheon - for a clean-lined, ultra-eco-friendly residence. They wrapped all the floors, ceilings, walls, and casework in the gutted interiors with plain-sawn American white oak, achieving a beautiful balance among aesthetics, sustainability, and healthfulness.

    Since the latter was a priority, each and every building product used was screened for a comprehensive list of more than 900 chemicals of concern. Using solid timber helped avoid the unhealthy volatile organic compounds (VOCs) found in laminate glues. Thanks to those efforts, the house has been certified LEED Platinum - the U.S. Green Building Council's highest ranking.

    Architect Stephanie Horowitz of Boston-based ZeroEnergy Design is another expert at creating contemporary, environmentally sensitive, family-friendly homes.

    "We regularly specify domestic, sustainably harvested hardwood floors," she says.

    "When paired with a non-VOC finish, a hardwood floor helps maintain healthy indoor-air quality while allowing us to support local business and overall environmental health."

    Such was the case with a house she recently designed for a client who wanted an exceptionally healthy and comfortable living environment in a traditional neighborhood. By installing quarter-sawn white-oak floors, and selecting other durable materials and finishes with low or no VOCs and no added urea formaldehyde, Horowitz was able to achieve LEED-platinum certification for the house and, more importantly, ensure that its inhabitants can breathe easy.

    Visit www.hardwoodinfo.com for more about sustainability and healthfulness in relation to home applications and products using American hardwoods.

    Ref: Decoration - in Blogs
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    Rebecca Ebert Rebecca_Ebert


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    Ramiro Williamson Ramiro_Williamson


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