(BPT) – Whether you go to a restaurant or stay home and dine in, you want what you eat to be fresh and full of flavor. This movement toward tasty, locally grown food is illustrated by the rise in farmers markets, food subscription boxes, and a renewed …
(BPT) – Whether you go to a restaurant or stay home and dine in, you want what you eat to be fresh and full of flavor. This movement toward tasty, locally grown food is illustrated by the rise in farmers markets, food subscription boxes, and a renewed …
(BPT) – It can be hard to admit your vision isn’t what it used to be, especially when it comes to driving. Maybe you’ve noticed some difficulties reading traffic signals, or you’ve found it challenging to drive at night.
If you’re a family member noticing these warning signs in a loved one, pointing out these challenges may seem like a daunting and delicate undertaking. But when it comes to being on the road, safety is one thing you can’t ignore.
Encouraging your loved one to prioritize safety can be hard, especially when it feels like their independence is at stake. That’s why it’s important to have an open and honest discussion to determine the best options for maintaining independence outside the home.
Step 1: Address driver safety
Vision is the most important sense for driving safety. Annual vision screening is important for everyone, but it is especially critical for older people, since the sensory data used for driving is predominantly visual.
For seniors still able to drive, a defensive driving class can be beneficial. These classes allow students to brush up on skills while gaining confidence and introduce them to alternative transportation options for the times and locations of their preference. What’s more, many insurance companies provide discounts to seniors who complete these courses.
Giving up driving doesn’t have to mean choosing between all or nothing. For example, start limiting driving to daylight only, non-rush-hour periods. Then look into supplementary transportation options that eliminate the need to drive while still allowing you to get where you need to go.
Step 2: Research transportation options
It’s important to educate yourself or your loved one about locally available transportation options for seniors. When you know there are reliable, cost-effective transportation options available, it can help maintain a high level of independence for a trip to the grocery store or a doctor’s appointment.
Rides in Sight is a nationwide, online database of senior transportation options built by ITNAmerica, a national nonprofit organization dedicated to providing sustainable transportation options for seniors. Visit www.ridesinsight.org and enter basic information like your state or zip code, and you can find the ride option that’s best for your situation. If you prefer to access information by phone, call 1-855-60-RIDES (1-855-607-4337).
Rides in Sight makes it easy to find customized transportation, no matter what a person’s needs. For example, you can find wheelchair accessible transportation options or door-to-door driver assistance if that’s what you need.
Step 3: Implement a trial period
Giving up the keys is easier if you do it over a period of time. Pick a date and schedule your first ride with a transportation service during a time you normally drive. Any change takes time to adapt to, so try it out for a while before reassessing and making any necessary adjustments. After this trial period, you should feel more comfortable with someone else driving you, and you get to be in control of your mobility.
For older Americans, it’s important to be able to maintain independence when they limit or stop driving. When they are encouraged to create their own driving transition plan, more emphasis can be placed on finding new passions and activities to engage with their communities. The result is a positive impact on people of all ages.
To have that impact, reliable, secure transportation is essential. Having the necessary conversations and researching appropriate transportation options helps keep everyone happy, healthy and safe.
(BPT) – It can be hard to admit your vision isn’t what it used to be, especially when it comes to driving. Maybe you’ve noticed some difficulties reading traffic signals, or you’ve found it challenging to drive at night.
If you’re a family member noticing these warning signs in a loved one, pointing out these challenges may seem like a daunting and delicate undertaking. But when it comes to being on the road, safety is one thing you can’t ignore.
Encouraging your loved one to prioritize safety can be hard, especially when it feels like their independence is at stake. That’s why it’s important to have an open and honest discussion to determine the best options for maintaining independence outside the home.
Step 1: Address driver safety
Vision is the most important sense for driving safety. Annual vision screening is important for everyone, but it is especially critical for older people, since the sensory data used for driving is predominantly visual.
For seniors still able to drive, a defensive driving class can be beneficial. These classes allow students to brush up on skills while gaining confidence and introduce them to alternative transportation options for the times and locations of their preference. What’s more, many insurance companies provide discounts to seniors who complete these courses.
Giving up driving doesn’t have to mean choosing between all or nothing. For example, start limiting driving to daylight only, non-rush-hour periods. Then look into supplementary transportation options that eliminate the need to drive while still allowing you to get where you need to go.
Step 2: Research transportation options
It’s important to educate yourself or your loved one about locally available transportation options for seniors. When you know there are reliable, cost-effective transportation options available, it can help maintain a high level of independence for a trip to the grocery store or a doctor’s appointment.
Rides in Sight is a nationwide, online database of senior transportation options built by ITNAmerica, a national nonprofit organization dedicated to providing sustainable transportation options for seniors. Visit www.ridesinsight.org and enter basic information like your state or zip code, and you can find the ride option that’s best for your situation. If you prefer to access information by phone, call 1-855-60-RIDES (1-855-607-4337).
Rides in Sight makes it easy to find customized transportation, no matter what a person’s needs. For example, you can find wheelchair accessible transportation options or door-to-door driver assistance if that’s what you need.
Step 3: Implement a trial period
Giving up the keys is easier if you do it over a period of time. Pick a date and schedule your first ride with a transportation service during a time you normally drive. Any change takes time to adapt to, so try it out for a while before reassessing and making any necessary adjustments. After this trial period, you should feel more comfortable with someone else driving you, and you get to be in control of your mobility.
For older Americans, it’s important to be able to maintain independence when they limit or stop driving. When they are encouraged to create their own driving transition plan, more emphasis can be placed on finding new passions and activities to engage with their communities. The result is a positive impact on people of all ages.
To have that impact, reliable, secure transportation is essential. Having the necessary conversations and researching appropriate transportation options helps keep everyone happy, healthy and safe.
(BPT) – Everyone looks forward to a shift into summer mode, with its sun-soaked days, flower-scented breezes and velvety nights under the stars.
Now’s the time to take advantage of a golden opportunity right outside your door. Celebrate summer and all it offers by recreating your outdoor space. Whether it’s a balcony, a patio or a deck, a few touches are all you need to turn it into a highly functional living space.
When done right, a patio makeover is like a boost to your home’s square footage of living space without straining your wallet. Think of the patio as a summer room, and the possibilities really open up.
One approach to making your summer room perfect is to start by thinking of your needs and what you love to do. If you could add any room to your home, what would it be, and what would you use it for? Then, turn to a resource like Big Lots, which offers everything you need to build that summer room, while keeping you within budget.
Your summer living room
Transform any outdoor space into a relaxing oasis that’s perfect for unwinding and summer daydreams. Your key piece is a comfortable outdoor couch you can really sink into.
It’s always best to start with a neutral-colored cushion, then work the accessories and accent pieces, including side tables, brightly colored throw pillows and outdoor lanterns to make the space feel extra homey and just like an authentic living room. These decor pieces can be easily and affordably switched out year-over-year to make your outdoor space feel fresh and new.
With an easy assembly gazebo, you can also keep the space cool and comfortable in the heat of the day.
Finally, if your patio faces an open or public area, a row of evergreens planted in large colorful pots will transform it into an intimate space with a perfect touch of nature.
Your summer party room
With the right pieces, you can set the scene for any gathering of friends and family. Start with ample seating. Add to the traditional living room setup with an outdoor cushioned bench, and position some accent chairs and tables in a nook or two for conversation clusters. A patterned outdoor rug also helps to delineate spaces on a large patio or deck.
A fire pit always creates a natural centerpiece and gathering spot. Some designs take this up a notch and incorporate the soft glow of fire right into a tabletop, making it easy to talk long into the summer night. As a finishing touch, be sure to have a wireless speaker and playlist ready to set the mood with music.
Your summer kitchen
The downside of summer living is building up unwanted heat in the kitchen from cooking dinner. The best solution is to take it outside. Don’t limit the grill to weekends and burgers and brats. Explore the many grilling recipes out there to expand your repertoire. While you’re doing this, set up your patio as an outdoor cooking station that’s ready to go whenever you’re ready to start cooking.
Set up a sturdy table for prepping veggies and meats and a selection of lightweight, outdoor serving dishes. The variety of colors and designs are endless and add to the space aesthetic. (Just as you would indoors, make sure the surface is clean before you get started.) Use colorful crates to keep grilling tools, potholders and outdoor dishes and glassware organized and handy.
Finally, pick up some bright-colored pots that match your decor style and plant rosemary, parsley, basil and other herbs so they’re within easy reach to add fresh flavors to your grilled fish and chicken, as well as those tasty summer veggies. These potted plants also make for beautiful, easy centerpieces.
Your summer dining room
Dining outside is a fun and relaxing way to enjoy food as well as the company of your family and friends. When you choose a patio table, choose one with ample seating, and keep things comfortable and colorful with waterproof cushions. Umbrellas can throw shade on a sun-drenched deck or patio, making daytime dining (or your morning coffee time) more pleasant and easy on the eyes. If you’re looking for something different, a patio umbrella outfitted with lights on the underside will let you linger over dinner longer.
Creating beautiful outdoor spaces can be easy, but it also doesn’t have to break the budget. Big Lots has a wide variety of affordable patio furniture and décor so you can create an outdoor scene with indoor style. Visit BigLots.com or a store near you for all your patio and outdoor accessory needs.
(BPT) – Everyone looks forward to a shift into summer mode, with its sun-soaked days, flower-scented breezes and velvety nights under the stars.
Now’s the time to take advantage of a golden opportunity right outside your door. Celebrate summer and all it offers by recreating your outdoor space. Whether it’s a balcony, a patio or a deck, a few touches are all you need to turn it into a highly functional living space.
When done right, a patio makeover is like a boost to your home’s square footage of living space without straining your wallet. Think of the patio as a summer room, and the possibilities really open up.
One approach to making your summer room perfect is to start by thinking of your needs and what you love to do. If you could add any room to your home, what would it be, and what would you use it for? Then, turn to a resource like Big Lots, which offers everything you need to build that summer room, while keeping you within budget.
Your summer living room
Transform any outdoor space into a relaxing oasis that’s perfect for unwinding and summer daydreams. Your key piece is a comfortable outdoor couch you can really sink into.
It’s always best to start with a neutral-colored cushion, then work the accessories and accent pieces, including side tables, brightly colored throw pillows and outdoor lanterns to make the space feel extra homey and just like an authentic living room. These decor pieces can be easily and affordably switched out year-over-year to make your outdoor space feel fresh and new.
With an easy assembly gazebo, you can also keep the space cool and comfortable in the heat of the day.
Finally, if your patio faces an open or public area, a row of evergreens planted in large colorful pots will transform it into an intimate space with a perfect touch of nature.
Your summer party room
With the right pieces, you can set the scene for any gathering of friends and family. Start with ample seating. Add to the traditional living room setup with an outdoor cushioned bench, and position some accent chairs and tables in a nook or two for conversation clusters. A patterned outdoor rug also helps to delineate spaces on a large patio or deck.
A fire pit always creates a natural centerpiece and gathering spot. Some designs take this up a notch and incorporate the soft glow of fire right into a tabletop, making it easy to talk long into the summer night. As a finishing touch, be sure to have a wireless speaker and playlist ready to set the mood with music.
Your summer kitchen
The downside of summer living is building up unwanted heat in the kitchen from cooking dinner. The best solution is to take it outside. Don’t limit the grill to weekends and burgers and brats. Explore the many grilling recipes out there to expand your repertoire. While you’re doing this, set up your patio as an outdoor cooking station that’s ready to go whenever you’re ready to start cooking.
Set up a sturdy table for prepping veggies and meats and a selection of lightweight, outdoor serving dishes. The variety of colors and designs are endless and add to the space aesthetic. (Just as you would indoors, make sure the surface is clean before you get started.) Use colorful crates to keep grilling tools, potholders and outdoor dishes and glassware organized and handy.
Finally, pick up some bright-colored pots that match your decor style and plant rosemary, parsley, basil and other herbs so they’re within easy reach to add fresh flavors to your grilled fish and chicken, as well as those tasty summer veggies. These potted plants also make for beautiful, easy centerpieces.
Your summer dining room
Dining outside is a fun and relaxing way to enjoy food as well as the company of your family and friends. When you choose a patio table, choose one with ample seating, and keep things comfortable and colorful with waterproof cushions. Umbrellas can throw shade on a sun-drenched deck or patio, making daytime dining (or your morning coffee time) more pleasant and easy on the eyes. If you’re looking for something different, a patio umbrella outfitted with lights on the underside will let you linger over dinner longer.
Creating beautiful outdoor spaces can be easy, but it also doesn’t have to break the budget. Big Lots has a wide variety of affordable patio furniture and décor so you can create an outdoor scene with indoor style. Visit BigLots.com or a store near you for all your patio and outdoor accessory needs.
(BPT) – Everyone looks forward to a shift into summer mode, with its sun-soaked days, flower-scented breezes and velvety nights under the stars.
Now’s the time to take advantage of a golden opportunity right outside your door. Celebrate summer and all it offers by recreating your outdoor space. Whether it’s a balcony, a patio or a deck, a few touches are all you need to turn it into a highly functional living space.
When done right, a patio makeover is like a boost to your home’s square footage of living space without straining your wallet. Think of the patio as a summer room, and the possibilities really open up.
One approach to making your summer room perfect is to start by thinking of your needs and what you love to do. If you could add any room to your home, what would it be, and what would you use it for? Then, turn to a resource like Big Lots, which offers everything you need to build that summer room, while keeping you within budget.
Your summer living room
Transform any outdoor space into a relaxing oasis that’s perfect for unwinding and summer daydreams. Your key piece is a comfortable outdoor couch you can really sink into.
It’s always best to start with a neutral-colored cushion, then work the accessories and accent pieces, including side tables, brightly colored throw pillows and outdoor lanterns to make the space feel extra homey and just like an authentic living room. These decor pieces can be easily and affordably switched out year-over-year to make your outdoor space feel fresh and new.
With an easy assembly gazebo, you can also keep the space cool and comfortable in the heat of the day.
Finally, if your patio faces an open or public area, a row of evergreens planted in large colorful pots will transform it into an intimate space with a perfect touch of nature.
Your summer party room
With the right pieces, you can set the scene for any gathering of friends and family. Start with ample seating. Add to the traditional living room setup with an outdoor cushioned bench, and position some accent chairs and tables in a nook or two for conversation clusters. A patterned outdoor rug also helps to delineate spaces on a large patio or deck.
A fire pit always creates a natural centerpiece and gathering spot. Some designs take this up a notch and incorporate the soft glow of fire right into a tabletop, making it easy to talk long into the summer night. As a finishing touch, be sure to have a wireless speaker and playlist ready to set the mood with music.
Your summer kitchen
The downside of summer living is building up unwanted heat in the kitchen from cooking dinner. The best solution is to take it outside. Don’t limit the grill to weekends and burgers and brats. Explore the many grilling recipes out there to expand your repertoire. While you’re doing this, set up your patio as an outdoor cooking station that’s ready to go whenever you’re ready to start cooking.
Set up a sturdy table for prepping veggies and meats and a selection of lightweight, outdoor serving dishes. The variety of colors and designs are endless and add to the space aesthetic. (Just as you would indoors, make sure the surface is clean before you get started.) Use colorful crates to keep grilling tools, potholders and outdoor dishes and glassware organized and handy.
Finally, pick up some bright-colored pots that match your decor style and plant rosemary, parsley, basil and other herbs so they’re within easy reach to add fresh flavors to your grilled fish and chicken, as well as those tasty summer veggies. These potted plants also make for beautiful, easy centerpieces.
Your summer dining room
Dining outside is a fun and relaxing way to enjoy food as well as the company of your family and friends. When you choose a patio table, choose one with ample seating, and keep things comfortable and colorful with waterproof cushions. Umbrellas can throw shade on a sun-drenched deck or patio, making daytime dining (or your morning coffee time) more pleasant and easy on the eyes. If you’re looking for something different, a patio umbrella outfitted with lights on the underside will let you linger over dinner longer.
Creating beautiful outdoor spaces can be easy, but it also doesn’t have to break the budget. Big Lots has a wide variety of affordable patio furniture and décor so you can create an outdoor scene with indoor style. Visit BigLots.com or a store near you for all your patio and outdoor accessory needs.
(BPT) – The U.S. has experienced significant shifts in the frequency, severity and locations of natural disasters – including floods, hurricanes, tornadoes and wildfires – during the past decade.As a result, more than 800 emergency or disaster declarat…
(BPT) – The U.S. has experienced significant shifts in the frequency, severity and locations of natural disasters – including floods, hurricanes, tornadoes and wildfires – during the past decade.As a result, more than 800 emergency or disaster declarat…
(BPT) – Your most valuable asset is around you all the time. It’s above you, it’s below you and in many cases you don’t realize how much it can do for you.
According to the Urban Institute in Washington, D.C., “Americans have a staggering amount of untapped equity in their homes.” How much? Altogether, $11,030,000,000,000. That’s 11 trillion, 30 billion dollars.
Yet despite this huge wealth possessed by homeowners, using it isn’t as simple as writing a check. You have to capitalize on your home’s equity.
What Is Home Equity?
Your home’s equity represents the difference between its current market value and the money that you owe on it.
Let’s say, for example, your home has a market value of $200,000, you made a down payment of $40,000 and you took out a $160,000 mortgage. At that point your equity is $40,000. You can always calculate this number by taking your home’s initial price and subtracting the amount you still owe.
Now, let’s say 10 years later you have paid off $60,000 of your $160,000 mortgage. At this point you still owe $100,000 on your home’s initial price of $200,000 so your equity is $100,000, assuming the home’s value has remained the same.
A little at a time
Each month when you make a mortgage payment, some of your money goes toward interest, some goes toward real estate taxes and homeowner’s insurance (if the lender is collecting for these and making the payments on your behalf), and some goes toward paying off the mortgage itself. This last portion grows your equity because it subtracts from the amount you still owe.
Your home equity can also grow if your home increases in value because the amount you still owe has not changed. A rise in value may be due to increased home prices in your area and/or improvements you make to the home.
Market home prices may rise and fall from one year to the next but given enough time, most real estate tends to increase in value. For example, current economic forecasts from CoreLogic project a 4.8 percent increase in home prices year over year in 2017.
Gaining access to your equity
Now that you understand what equity is and how much equity you have, your next question may be “How do I use it?”
Your first step is to contact a knowledgeable mortgage professional. They will be able to answer your questions as well as show you loans that use your home as collateral. You’ll want to do your research to determine which type of loan is best for you. You should also take the time to compare interest rates, offers and loan features.
And if you are age 62 or older, you are also eligible for additional home equity options such as a Home Equity Conversion Mortgage (HECM), which is an FHA-insured Reverse Mortgage loan. This loan may be taken as a lump sum, a line of credit, through fixed monthly payments or a combination and the loan can never be frozen or reduced.
The equity in your home empowers you with several financing options and the specifics of each loan may vary from lender to lender, so ask questions and do your own research. Once you understand all your options you’ll be able to determine which loan offering allows you to make the most of your most valuable asset.
To learn about HECM Reverse Mortgage loans and other special home-equity options available to homeowners 62 and older, visit www.reversemortgage.org/HomeEquity.