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Fashion Worthy

Fashionably Cool

Look Your Best in the Midwest Heat!

 

Summer is finally here! We change our behavior when the heat of summer arrives. We change our priorities to spending more time outdoors instead of piling on layers to keep warm. We work on how to stay cool and start looking toward how to pack for vacation. We simplify our wardrobe so we can have more time for summer fun! 

 

Part of the fun of vacation is the planning and the dreaming of visiting new places or re-visiting our favorite vacation spots. We want choosing our outfits to be simple and quick so we can get on with the fun! 

 

When packing, think of the 3-3-3 rule. Select 3 bottoms, 3 tops, and 3 pairs of shoes that all mix and match. This creates 27 different outfit pairings, and you can fit it all in a carry-on! With today’s travel restrictions, it can be a bit of a challenge, but you will be thankful you followed this rule. Packing like this will leave a little space in your carry-on for those irresistible purchases that always seem to happen on vacation.

 

This paring down of items is called a capsule wardrobe. Here is an example: For the 3 tops, you may choose a neutral t-shirt, a crisp white button-down shirt, and a lightweight sweater. For the bottoms: Your favorite lightweight jeans, black trousers, and a skirt. (Depending on the climate of your destination, you may want to switch out jeans for a classic pair of shorts.) For your shoes: Comfy walking shoe or sneakers, all-purpose sandals, and a pair of flats. 

 

Fabrics play an important part in staying cool when temperatures rise. My favorite fabric for summer is cotton. It’s lightweight, breathable, and dries quickly. Look for cotton that is pre-shrunk or has a bit of stretch to keep its shape. Linen also has those characteristics and is a bit dressier. People sometimes shy away from linen because it tends to wrinkle, but that is part of the beauty of the fabric! 

 

Bamboo and rayon are also good fabric choices, as they have moisture-wicking properties that keep moisture away from your body. Polyester and other synthetic fabrics are not good choices for summer because they trap heat and moisture. 

 

Airflow is important when you want to stay cool, so choose clothing that has a more relaxed fit and flows away from your body. Lighter colors that reflect the sun are better choices than dark colors that absorb and trap heat. 

 

Every season fashion brings us new trends. When considering these new trends, ask yourself: Is the trend actually wearable? Will it last for this year and beyond? These considerations are important if you want to purchase pieces that have more than one season of life. 

 

This year, favorite color trends are variations of blue and yellow. Blues from bright royal to sky blue are gorgeous, in style, and so wearable. Blues are on trend worn with brown tones, camel tones, and white. Yellow is such a positive and sunny color, and there is a yellow tone for everyone, from light, buttery hues to rich, sunny yellows. Camel is also current and is a nice departure from white for an all-purpose neutral. 

 

Unusual color combos are on point, too, mixing surprising colors together that look fun and lighthearted. Try mixing pink and red, yellow and blue, or orange and blue. You’d be surprised at how refreshing unusual color combos can be! 

 

There are also trendy patterns and silhouettes this summer that are very wearable and versatile. Capri pants are hot again. The difference between these modern cuts and the previous style of capris is that they are more fitted and a little shorter. They are shown being worn not only with sneakers but also with a small heel for a little more glamorous feel. 

 

Polka dots will be seen in all sizes this year, from tiny to huge. Polka dots are always in style and flatteringly neutral, especially in black and white. Crochet and embroidery alongside sequin embellishments will also be popular this year. You don’t have to wait for the winter holiday season to wear sequins! This summer is the perfect time for a little sparkle. T-shirts with sequin and beaded embellishments are a fun addition to any wardrobe. 

 

The joy of summer keeps us smiling, whether we are strolling to the ice cream shop, swinging on a shady porch, or enjoying a staycation with the family. We must make it a priority to get outside and enjoy the sunshine, blue skies, and flowers that nature provides. 

 

Wherever summer takes you this year, hopefully you will make summer memories to cherish all year long. With just a few wardrobe tweaks, you can look and feel cool in the heat! 

Editor’s Note: Holly has been in the fashion industry for over 30 years as a buyer, boutique store owner, visual merchandiser, and fashion show producer. She is currently the owner of a modeling agency. Holly regularly appears on local TV doing fashion segments.

Fashion Worthy

By Holly Bell

Weekend Gourmet

Happy 250th, America—Let’s Eat!

 

Brunch Eggs and Gravy

In a deep skillet or saucepan, melt 2 Tablespoons of butter. Whisk in 2 Tablespoons of flour and cook for 4–5 minutes. Slowly whisk in 1 cup of milk and stir until thickened (about 5 minutes). Add 3 or 4 shelled and chopped hard boiled eggs (and a bit of diced ham or crispy bacon, if desired). Add salt and pepper to taste. Toast a few English muffins and spoon the egg mixture on top. Sprinkle on a bit of paprika (optional).

 

Blueberry Brunch Snack Cake

In a large bowl, whisk together 2 cups of flour, 2 teaspoons of baking powder, 1/2 teaspoon of salt, 1/2 teaspoon of ground ginger, and 1/4 teaspoon of baking soda. In another bowl, mix 1 cup of sugar, 1/2 cup of soft butter, 2 eggs, 2/3 cup of sour cream, and 1 teaspoon of vanilla. Stir in 1 Tablespoon of honey and 1 and 1/2 teaspoon of lemon zest. Stir in the flour mixture and mix lightly. Lightly fold in 2 cups of fresh or frozen blueberries. Pour into a greased 13x9-inch pan. In a small bowl, mix 1/4 cup of sugar and 1 teaspoon of ground cinnamon. Sprinkle over the batter. Bake at 350 degrees for 35–40 minutes, until golden brown. 

 

3 Sisters Gluten-Free Zucchini Bread

Whisk together 1 cup of gluten-free baking flour, 1/4 cup of almond flour, 2 teaspoons of baking powder, 1/2 teaspoon of baking soda, 1/2 teaspoon of salt, 1 and 1/2 teaspoons of cinnamon, and 1/4 teaspoon of nutmeg. In another bowl, mix 1/4 cup of brown sugar, 1/2 cup of white sugar, 2 eggs, 1/3 cup of oil (your choice), 1/4 cup of milk, 1 teaspoon of lemon juice, and 2 teaspoons of vanilla. 

Mix the wet and dry ingredients together lightly (you may do this by hand or on low in a mixer). Add 1 cup of finely grated zucchini (squeeze out excess water) and 1/2 cup of chopped walnuts or chocolate chips (if desired). Lightly stir together. Grease 3 mini loaf pans and set them on a cookie sheet. Divide the batter evenly. Bake at 350 degrees for 30–35 minutes (do a toothpick test for doneness). Let cool for 10–20 minutes. Eat now or wrap securely and freeze. 

 

Fresh Green Beans in Vinaigrette

Trim and rinse 1 pound of fresh green beans and cut into 1-inch chunks. Blanch the beans by cooking them in boiling water for 3–4 minutes, draining, and pouring into a bowl of ice water. Drain and pat dry. In a small bowl, whisk 1 and 1/2 Tablespoons of white wine vinegar with 1 teaspoon of Dijon mustard. Gradually whisk in 1/4 cup of olive oil until blended. Pour over the green beans. Add 1/2 clove of finely chopped garlic, salt and pepper to taste, and a bit of lemon zest or sliced almonds if desired. Serve warm or chilled. 

 

Sautéed Tomatoes and Mozzarella

Halve 2 cups of cherry tomatoes and sauté in 1 Tablespoon of olive oil for 10 minutes or until bursting. Place a cup of whipped feta cheese or mozzarella slices onto a platter. Surround the cheese with the tomatoes. Pour olive oil over the cheese. Top with chopped fresh basil or parsley, shelled pistachios or pine nuts, and hot honey. Serve crackers, toasted bread, or crostini on the side.

 

Veggie Pizza Snacks

Rinse and cut into bite-size pieces the seasonal veggies of your choice—broccoli, kohlrabi, carrots, cauliflower, onion, thinly sliced radishes. Set aside. Unroll 2 containers of refrigerated crescent roll dough. Pat them into a single sheet on a large cookie sheet and dock (that is, prick holes) with a fork. Bake at 350 degrees for 10–12 minutes; cool. Mix two 8-ounce packages of softened cream cheese with 1 cup of mayonnaise and half of a pack of dry ranch dressing mix. Spread the cut-up veggies all over the cooled dough and sprinkle with fresh chives. Place plastic wrap on top, chill for 30 minutes, and cut into squares for serving.

 

Razzberry Rhubarb Jam

Wash, trim, and cut up some fresh rhubarb—you will need 6 cups. Put in a large stew pot, pour in 4 cups of sugar, and refrigerate overnight. Place in a pan over medium heat and bring to a boil. Reduce to simmer. Cook uncovered for 30–35 minutes, until the rhubarb is tender. Stir in 1 package of raspberry gelatin and 1 can of raspberry (or cherry) pie filling. Bring to a boil. Remove from heat and cool. Prepare 6 one-cup containers or sterilized jars (dry thoroughly). Fill containers to within 1/2 inch of the top. Refrigerate (good for 3 weeks) or freeze for up to a year. Thaw in refrigerator.

 

Hot Jezebel

Mix 1 cup of apple jelly with 1 cup of peach or apricot preserves and 2 or 3 Tablespoons of horseradish. Add a pinch each of dry mustard and pepper. Stir well. Spoon over a block of cream cheese. Refrigerate for a bit. Serve with assorted crackers, toasts, or cut-up veggies.

 

Grilled Chicken with Peach Sauce

Cut 2 skinless, boneless chicken breasts in half horizontally. Gently pound until the sides are symmetrical. Season liberally with your favorite spices (salt, pepper, tarragon, garlic or onion powder, paprika). Grill, air-fry, or pan-fry to temperature (165 degrees). 

While the chicken is cooking, assemble the sauce. Peel and chop 2 fresh peaches (or dice up 1 cup frozen). Combine with 1/2 cup of peach preserves, 1 Tablespoon of olive oil, and a dash each of soy sauce, apple cider vinegar, and Dijon mustard. If it’s too chunky, thin out with a bit of peach nectar, warm water, pineapple juice, or chicken broth. Sauté in a skillet (medium) for 4–5 minutes. Add 2 Tablespoons of brown sugar and a dash of bourbon (off heat) if desired. Add the chicken breasts to the sauce and baste a few times. Add 2 Tablespoons of butter to melt and baste over the chicken. Heat through. Taste and adjust seasonings. Garnish with chopped green onion, red pepper flakes, and freshly chopped thyme (all optional).

 

Fresh Strawberry Pie

Blind-bake a frozen or homemade pie crust (or use a graham cracker crust). In a saucepan, whisk together 1 and 1/4 cups of sugar, 3 Tablespoons of cornstarch, and 1 and 1/4 cups of water. Bring to a boil. Reduce the heat and simmer for 5 minutes, until the mixture thickens. Add 4 Tablespoons of strawberry jelly and remove from heat. Let cool for 20–30 minutes. Stir in 2–3 cups of washed, trimmed, and sliced fresh strawberries. Pour the berry mixture into the baked crust. Refrigerate until set. Whipped cream at the ready. 

Editor’s Note: Kate has been an Omaha area culinary instructor since 1997. She attended The Institute for the Culinary Arts at Metropolitan Community College in Omaha.

By Kate Beiting
Weekend Gourmet

Zodiac Forecast

Zodiac Forecast

Cancer (June 21 – July 22

 
This month highlights your personal growth. You may feel motivated to focus on your goals, relationships, and well-being. Trusting yourself and speaking honestly about your needs leads to positive changes. At work, your creativity and intuition help you stand out. In your personal life, time with supportive people and comfortable activities boost your confidence and energy.

 

Leo (Jul. 23 – Aug. 22) July encourages reflection and rest before a busier season. It’s a good time to slow down and recharge. Paying attention to your mental and emotional health helps you feel prepared for future opportunities.

 

Virgo (Aug. 23 – Sep. 22) This month highlights teamwork. You may feel inspired to reconnect with people who support your goals or share interests. Collaboration and communication can open new doors, especially at work. 

 

Libra (Sep. 23 – Oct. 22) This month, you may feel motivated to work toward important goals. At work, leadership or recognition may appear if you stay focused. In your personal life, time to relax and reconnect with loved ones helps maintain balance.

 

Scorpio (Oct. 23 – Nov. 21) You may feel drawn to explore new perspectives or try something outside your comfort zone. Go for it! Creative thinking and curiosity can help solve problems in unexpected ways. 

 

Sagittarius (Nov. 22 – Dec. 21) This month, you may find yourself thinking seriously about finances, relationships, or long-term goals. Understanding your priorities helps you make thoughtful choices. Honest communication strengthens relationships at home. 

 

Capricorn (Dec. 22 – Jan. 19) Relationships and teamwork take center stage. You may feel focused on partnerships, both personal and professional, and cooperation will be important. Listening and staying open to compromise improves communication and builds connections. 

 

Aquarius (Jan. 20 – Feb. 18) July encourages focus on routines, wellness, and productivity. You may feel motivated to improve habits or create a more manageable schedule. Small adjustments make a big difference over time. Prioritizing healthy habits helps you feel more energized and less overwhelmed. 

 

Pisces (Feb. 19 – Mar. 20) Let yourself enjoy the lighter moments this month! You may feel inspired to reconnect with hobbies or artistic projects. Time with loved ones and enjoyable activities bring emotional balance.

 

Aries (Mar. 21 – Apr. 19) This month, you may feel ready to create a more peaceful environment. Organizing your space or slowing your schedule helps reduce stress. At work, maintaining a steady pace helps you stay productive.

 

Taurus (Apr. 20 – May 20) July highlights communication and new ideas. At work, flexibility and an open mind may lead to new opportunities. Reconnecting with friends or taking short trips brings fresh energy and inspiration.

 

Gemini (May 21 – Jun. 20) After a busy season, you may feel ready to sort through priorities and decide what deserves your attention. Financial matters or long-term goals could come into focus, making this a good time to plan ahead. 

A Woman's Work

Unique Fourth of July Celebrations

Beyond the Backyard BBQ

The Fourth of July is often filled with familiar traditions: backyard cookouts, fireworks, sparklers, and patriotic decorations. While those classic celebrations never go out of style, many families and friend groups are looking for fresh ways to make the holiday feel more memorable. Whether you prefer a quiet gathering or a full day of activities, there are countless creative ways to celebrate Independence Day while making new summer memories.

 

One fun alternative to the typical cookout is hosting a themed outdoor picnic. Instead of the traditional burgers and hot dogs, families can build a menu inspired by different regions of the United States. A picnic could feature Southern comfort foods, New England seafood favorites, Southwestern dishes, or classic Midwest recipes (tater tot hot dish, anyone?). Adding lanterns and outdoor games can turn a simple meal into a relaxing summer experience.

 

For families with children, organizing a backyard “field day” can bring excitement to the holiday. Sack races, water balloon tosses, obstacle courses, and relay games create a playful atmosphere while helping everyone stay active. Setting up small prizes or patriotic ribbons adds a festive touch. Even adults often enjoy friendly competition, making it a great way to bring generations together.

 

Another creative option is hosting an outdoor movie night. Many families already gather outside to watch fireworks, so adding a projector and a family-friendly movie can extend the celebration. Patriotic classics, summer comedies, or nostalgic favorites work well for a relaxed evening under the stars. String lights, lawn chairs, and popcorn stations help create a cozy atmosphere that feels special without requiring expensive planning.

 

For people who enjoy travel or adventure, the Fourth of July can become an opportunity for a mini getaway. Small-town celebrations often feature unique parades, local festivals, and charming community traditions that feel very different from those in larger cities. Visiting a nearby lake town, beach community, or national park can offer a refreshing change of scenery while still embracing the holiday spirit.

 

Many people are also choosing more meaningful ways to celebrate by giving back to their communities. Volunteering at a local shelter, helping organize a neighborhood event, or supporting veterans’ organizations can add purpose to the holiday. Some families use the day as a reminder to appreciate the freedoms and opportunities they enjoy while finding ways to support others in return.

 

Food-centered celebrations can also go beyond the traditional barbecue. Hosting a red, white, and blue dessert competition or a homemade ice cream party adds a playful twist to holiday gatherings. Guests can bring creative treats like berry pies, layered parfaits, themed cupcakes, or colorful drinks. Interactive food stations often become memorable highlights because they encourage conversation and participation.

 

For those looking to avoid large crowds or loud fireworks, nature-focused celebrations are becoming increasingly popular. Spending the day hiking, camping, kayaking, or enjoying a sunset picnic offers a quieter way to celebrate while still appreciating summer traditions. Some families choose to watch fireworks from a distance while relaxing near a lake or scenic overlook, creating a calmer experience for children and pets who may be sensitive to loud noises. Depending on your elevation, you might be able to see multiple fireworks shows at once!

 

Pets are an important consideration during Fourth of July festivities. Fireworks can cause stress and anxiety for many animals, so planning pet-friendly activities can help everyone feel more comfortable. Keeping pets indoors, playing calming music, and providing safe spaces can reduce anxiety during evening celebrations. Some families even host “quiet parties” indoors, complete with games, snacks, and movies, to help pets stay calm while still enjoying the holiday together.

 

Music can also transform an ordinary celebration into something memorable. Creating a summer playlist filled with upbeat classics, country favorites, or nostalgic songs helps set the tone for the day. Live music events, backyard karaoke, or even family dance contests can add energy and laughter to gatherings of all sizes.

 

The Fourth of July does not need to follow the same routine every year to feel meaningful. Sometimes the most memorable celebrations come from trying something different, slowing down, or focusing more on connection than perfection. Whether it’s an outdoor movie night, a volunteer project, a lakeside picnic, or a simple gathering with loved ones, unique or new traditions often become the moments people remember most.

 

This summer, consider celebrating the holiday in a way that feels personal, creative, and enjoyable for everyone involved. The best Fourth of July celebrations are not necessarily the biggest or most expensive ones. Often, they are the experiences that bring people together, create lasting memories, and capture the simple joy of summer. 

By Savannah Rosa
A Woman's Work

Fresh Concepts

From Blueprint to Bliss

Your Dream Home Starts Here

 

Building your dream home from the ground up is exciting, but it’s also one of the biggest financial and emotional investments you’ll ever make. Between floor plans, financing, design selections, inspections, and timelines, the process can feel overwhelming if you’re not sure what to expect. The good news? It doesn’t have to be a stressful experience. With realistic expectations, a trusted builder, and a solid plan, the journey can feel organized and collaborative, and you can celebrate afterwards!

 

Although every homebuilding journey is different, most follow the same basic stages: planning, design, financing, construction, walk-throughs, and move-in. One of the first steps is setting a realistic budget and deciding what you can comfortably afford. Prioritize needs over wants, and plan to reserve 10–15 percent of your total budget for unexpected costs. This is also the time to choose a lot (unless it is included by the builder). Consider your lifestyle, family size, and future needs before your first meeting with the builder.

 

It’s also not a bad idea to request a preapproval, which will help you set a budget. Not only will the builder want to see an approval letter, but you’ll have peace of mind knowing you’re good to go. Shop bigger banks, smaller community banks, and credit unions to find your own comfort level with a loan officer and financial institution. 

 

Rates are important, but they’re not the whole picture. What are closing costs? Does the financial institution sell their mortgages? Is customer service satisfactory? Ask your mortgage lender how taxes and insurance are handled on new construction. Is a down payment required? Often, a 20 percent down payment is required, but lenders vary. Don’t be afraid to ask questions. If a potential lender hesitates to answer them, move on.

 

In the second phase, begin interviewing builders and exploring floor plans. If you’re not sure where to start, go out and visit model homes, research builder portfolios, and then start asking questions. Specified real estate agents often work for builders, and they’re usually happy to assist with questions or set an appointment. Eventually, you’ll work with the builder on choosing finishes, cabinetry, countertops, lighting, paint colors, appliances, and exterior materials. The builder might recommend an in-house design center or an independent designer, or you can choose your own! 

 

Because your relationship with the builder plays such a major role in the process, it’s important to know what to look for. Communication matters most. Choose someone who is transparent, responsive, and willing to listen. Ask who you should contact with questions, how often you’ll receive updates, and what will be expected from you along the way. The best builder relationships feel collaborative, not transactional. Clear pricing, realistic timelines, and honest conversations can go a long way toward reducing stress. 

 

Take your time before you sign. Ask what is included in the base price, whether upgrades cost extra, and if allowances are provided for finishes. You should also ask how change orders are handled, whether warranties are included, and what the expected timeline for completion looks like. Getting these answers early can help prevent surprises later.

 

The fourth step is construction, which typically begins with site preparation and foundation work. A lot happens during this phase, so don’t hesitate to ask questions and stay involved. After the framing is complete, the home moves through roofing, electrical, plumbing, and drywall, followed by cabinetry, finishes, and landscaping. The final stage includes a walk-through and a punch list of any remaining items. Then comes closing. We’ll cover that in more detail later, but for now, keep in mind that the lender will expect the home to be fully completed, down to sod or seed, before closing. 

 

It also helps to understand the different types of builders. Not all builders work the same way, and knowing the differences can prevent confusion. 

 

Custom builders design one-of-a-kind homes tailored to your vision, offering the most flexibility in layout, finishes, materials, and architectural details. They often take longer to build and may cost more, but the result is a home designed specifically for you. 

 

Semi-custom builders offer a balance of personalization and efficiency. You can start with a pre-designed floor plan, then adjust layouts, add rooms, and choose finishes to better fit your needs. 

 

Production builders, by contrast, construct multiple homes from a limited set of floor plans using a standardized process. These homes are usually more affordable and can be completed more quickly because the materials and construction methods are streamlined.

 

For a baseline comparison, expect your completion timeline to be somewhere up to eight months for standard production homes. Semi-custom might take up to 12 months, and custom homes can take up to 18 months or longer. Potential delays include a menu of items such as permits, supply chain delays, weather interruptions, labor shortages, and change orders. Time to adjust your patience hat! 

 

One of the biggest challenges during the design phase is separating emotional wants from practical needs—you know, those luxury upgrades or trendy features that will raise your bill but don’t add to functionality. Some luxury is fun, but try to balance it out. Ask yourself some lifestyle questions, like: How long do you plan to live in your new home? Will your family grow? Will you need a home office? Do you entertain often? You get the idea. 

 

Designing your dream home around your lifestyle helps create a space that will work well long after trends change. Experts say that layout is one of the best places to invest, since not every upgrade adds equal value. Prioritize structural features such as ceiling height, window placement, kitchen layout, storage space, garage size, and outdoor living areas. 

 

Quality windows, insulation, HVAC systems, and smart home technology can also reduce long-term utility costs. Kitchens and bathrooms are usually worth the investment because they add lasting value and everyday enjoyment. On the other hand, many cosmetic items, like light fixtures, paint, and decorative tile, can be easily updated later.

 

Smart layout choices are both practical and appealing. Today’s buyers often prefer functional space over sheer square footage. Open floor plans remain popular, but many homeowners also want separate areas for privacy and noise control. Ask your builder about features such as mudrooms, walk-in pantries, laundry rooms, and main-floor suites. 

 

Current design trends also emphasize functionality; remote work has increased demand for home offices, while outdoor kitchens, fire pits, and entertaining areas add comfort and flexibility. Wellness features like natural light, spa-inspired bathrooms, and better air quality, are also in demand. If it fits your lifestyle, consider a home gym with warm, natural finishes to make the space feel inviting.

 

Of course, it all costs money. One of the biggest surprises is how quickly upgrades increase the final price. The builder’s base price usually includes the structure and standard finishes. Find out what items are not included in that price. Items like upgraded countertop materials, enhanced flooring, or additional windows are typically not included. The lot you build on is sometimes a separate cost, but some builders include it in the base price. Be sure to ask before you sign. 

 

If you indulge in upgrades, keep a separate file with receipts, especially if you pay out of pocket. The appraiser may want to review upgrades and change orders, as well as what you paid for them. Remember, the lender expects the appraised value to come in at, or higher than, the purchase price. 

 

Construction doesn’t always unfold perfectly. Expect occasional delays from upgrades, change orders, and materials availability. Labor availability, weather, and supply chain issues also contribute to delays. Consistent communication with your lender and your builder helps ease anxiety—talk it out! Attend design meetings, access online project portals if they’re offered, and check in for weekly updates. 

 

Around the final inspection timeline, your builder or realtor will schedule a final walk-through. That’s when you know your dream home is completed! Before you close the mortgage, make a list of tasks like scheduling utilities and getting the moving trucks lined up. Don’t rush unpacking those clearly labeled boxes until you get a perspective on furniture placement, storage needs, and design priorities. It will all come together! 

 

Building a dream home is a big milestone. A successful homebuilding journey usually happens when you stay informed and flexible, tackling challenges with the professionals. Focus on the bigger picture, not the minor delays. At the end of the process, your dream home is a place where your family will celebrate memories for years to come! Enjoy the journey. 

 

Sources for this article included: zillow.com, architecturaldesigns.com, and nahb.org. 

By Janette Calabro
Fresh Concepts

Good Looks

Summer Skin Care

Hydration and Protective Practices

 

Summer is here, and it feels good to be outside and soak up the sun. However, we must be cautious of too much sun exposure. The ultraviolet rays emitted by the sun cause damage to the skin in numerous ways. 

 

There are two types of UV rays to worry about. UVB rays can cause sunburns, which are painful in the short term and lead to less regenerative skin and a leathery appearance in the long term. UVA rays impact the DNA of the skin cells, which is what results in melanoma. 

 

With the higher temperatures of summer, we also see an increase in dehydration, which is damaging to skin. This is an even bigger issue as we age. Older skin has an harder time healing. 

 

There are also some more cosmetic issues we see with sun exposure. This includes sunspots, along with fine lines and texture changes in the skin. Sunspots are created by overactive pigment cells. Their production of melanin can be sped up by exposure to UV rays, causing the dark spots seen more frequently as we get older. 

 

Elasticity in the skin naturally deteriorates over the years, but excess exposure to the sun further slows down the regenerative properties of our skin cells, allowing fine lines to appear over time. The skin utilizes proteins like collagen and elastin, which are also broken down by sun exposure, resulting in both wrinkles and skin texture changes. 

 

Some accessible and simple ways to prevent this include limiting intense sun exposure and wearing sunscreen every day. To help with elasticity, it may be beneficial to incorporate a collagen serum into your skincare routine. For correction of existing sunspots, look into peel treatments or even some laser treatments.

 

Hydration goes hand and hand with many of these concerns. The sun is cooking you with its temperature and rays, and your body becomes dehydrated quicker. Many aging concerns go in tandem with lack of hydration, both internally and externally. By drinking water, you are giving direct input into the body’s cell health for your skin, allowing better cell reproduction, more collagen production, and more. 

 

Topical hydration, like moisturizers or masks, are good for skin concerns like flakiness or dullness. Maintaining your recommended daily water intake and moisturizing twice a day are two easy and beneficial ways to help your body function and stay hydrated. 

 

Protecting the skin is important and crucial for overall health. We all love soaking in the sun after some cold months, but you must protect yourself. Wearing sunscreen, even on cloudy days, is important for skin cell production and preventing cosmetic and health risks. 

 

Perhaps the simplest way to avoid excess sun exposure outdoors is to seek the shade, especially during peak UV hours (approximately 10 a.m. to 4 p.m.). If you will be out in the sun, wear protective clothing like a hat that shades your face and neck as well as UV-blocking sunglasses. Wearing loose, light-colored clothing in breathable fabrics like cotton or bamboo will help keep you cool.

 

If you do get sunburned, moisturize the burn with aloe, as it will hydrate and soothe. Stay out of the sun while you heal and be sure to stay hydrated.

 

Have your skin checked by a dermatologist annually. In between checks, keep an eye out for suspicious skin changes using the ABCDE test. A is for Asymmetry (if the mole is not symmetrical); B is for Border (if the border is irregular); C is for color (if the mole has more than one color); D is for diameter (if it’s larger than a pencil eraser in diameter); and E is for Evolving (if it looks different than it did before). If you see spots that fall into these categories, call your derm!

 

We all know by now that we need to wear sunscreen, but many of us don’t apply it exactly as directed. The Skin Cancer Foundation recommends “broad-spectrum sunscreen with an SPF of 30 or higher every day. For extended outdoor activity, use a water-resistant, broad-spectrum sunscreen with an SPF of 50 or higher. Reapply every two hours or after swimming or sweating.” It doesn’t help if we don’t use it properly!

 

Your skin may need different amounts of hydration and exfoliation during different times of year, so it’s normal to have different skincare products for different seasons. When you pull out your summer routine this year, check bottles for expiration dates to see if you need to refresh or update your skincare products. Having the right products and using them properly can make all the difference to your skin. 

 

Sources for this article included: mayoclinic.org, newsinhealth.nih.gov, and skincancer.org.

By Annabelle Hayes
Good Looks

Income Outcome

Scuttlebutt

The Hazards of Gossip

 

I am guessing that not many landlubbers (that is, Nebraskans) have heard the word scuttlebutt. Back when U.S. Navy ships were made of wood, there was a wooden cask (barrel) on board known as a scuttlebutt. It was used to hold drinking water, and sailors would gather around it to get a drink and socialize. In today’s Navy, it would be comparable to a drinking fountain. Over time, the word scuttlebutt evolved to mean the sharing of news, gossip, or rumors.

 

“Loose lips sink ships.” — War Advertising Council

 

When the United States entered World War II, protecting classified information was critical. As a result, the phrase “Loose Lips Sink Ships” became a nationwide reminder that careless talk could endanger lives and military operations. 

 

During my service in the Navy, I was a Radioman who worked in a Top Secret communications workspace. One of our daily responsibilities was protecting and properly destroying classified documents. 

 

While stationed aboard the USS Luce (DDG-38), I overheard some of the younger sailors discussing classified information…over lunch…while surrounded by members of the ship’s crew. I immediately told them to stop. Their response surprised me. “We’re on a Navy ship,” one of them said. “Who’s going to know or care?” I couldn’t believe my ears. 

 

I asked one of my friends to help me demonstrate a point. To set the scene: There were approximately 50 to 75 sailors in the mess decks, and six of us were seated at our table. I started the conversation by saying loudly, “Joe, did you see the message that came out this morning?” Joe replied, “Man, I can’t believe where the ship is going.” I answered, “Yep, we’re headed to a wonderful fantasy island in the Caribbean.”

 

That was all I said. Within a week, the rumor had spread throughout the ship. Soon afterward, the Captain came over the ship-wide announcing system. “This is the Captain speaking. Whoever is spreading these false rumors about us going to Fantasy Island needs to stop. Now.” 

 

My point had been made. A simple comment, overheard by a few people, had quickly spread throughout the crew. If an innocent rumor could travel that fast, imagine how quickly classified information could spread.

 

“Whoever gossips to you will gossip about you.” — Spanish Proverb

 

Today, we simply call it gossip. If we protected our personal lives the same way we protected classified information, we might avoid a great deal of heartache, stress, betrayal, paranoia, and embarrassment. Janet and I often visit public places where we overhear people discussing their personal lives—or the lives of others—for anyone within earshot to hear. Perhaps they enjoy being the center of attention, but often it comes at the expense of their own privacy and the privacy of others. 

 

When you hear gossip, remember this: If someone is gossiping about other people, they are probably gossiping about you, too. As I often say, if you cannot keep a secret to protect yourself, do not expect someone else to protect your secret for you.

 

“The only time people dislike gossip is when you gossip about them.” — Will Rogers 

By Manny Chavez
Income Outcome

Kids Comments

Celebrate America’s Semiquincentennial

What Are Independence and Freedom?

 

On July 4, 1776, our Forefathers signed the unanimous Declaration of Independence of the 13 United States of America! They declared that “…all men are created equal…and are endowed…with certain unalienable Rights…among these are Life, Liberty, and the Pursuit of Happiness.” We know the words, but what does this mean in daily life?

 

Kids should be given the liberty to choose most of their extracurricular activities. After all, it’s their life! Some play sports while others prefer the arts. Our boys chose football and baseball; our daughter chose softball and dance. The Big and the Little were also interested in pursuits like drawing, painting, and pottery. The Middle elected physical fitness. All have some mechanical ability. 

 

I’m glad they made their own choices. As happens with all of us, some choices haven’t been the wisest. They all learned from those choices and built their lives around that knowledge. The liberty to make choices has served all three of our children well. They are successful adults, accomplished and well respected.

 

There’s a saying: If you love your job, it will never be work! As with any activity, doing what you love has its ups and downs. In making choices, one learns to cope with variety and change. Happiness isn’t a concrete or definite pursuit. I believe happiness is affected by your attitude. 

 

That leads to another saying, which is also a song lyric: “You’ve got to accentuate the positive, eliminate the negative, latch on to the affirmative, don’t mess with Mr. In-Between!” You pursue happiness through participating in things you enjoy…which you are more apt to be good at. These choices are made possible by freedom from having to follow the lead or requirements imposed on you by others.

 

Fortunately, I’ve had a measure of independence and freedom while staying home with the kids until they were in school. Then I followed my education: teaching preschool when the kids were young, taking up substitute teaching when they were in school all day, and going back to school myself when they were older. I had time to volunteer and get involved in the kids’ activities as well as doing my own thing.

 

That’s when, about 25 years ago, I began writing this column. Roxy and I had been friends for years. When this position opened, she called and asked if I was interested. I had always liked kids and writing AND I was ready for a new pursuit…I said YES.

 

Readers, another opportunity for adventure has arisen. Sadly, this will be my final Kids Comments column. The opportunity to share my thoughts with all of you has been fulfilling, and I appreciate all the comments you’ve shared. Some things I’ve learned: If you give respect, you’ll get respect. Requests are followed more quickly than orders. Follow the child within! Manners always count! Kids are people, too! THANK YOU!

 

If you have questions or comments, please email Marge Shoemaker at marge7463@cox.net

Editor’s Note: Marge has three children, two grandchildren, and numerous nieces and nephews. She holds advanced degrees in education. Her life’s mission is to teach everyone that kids are people, too.

By Marge Shoemaker, BS, MS
Kids Comments

Interiors By Design

Pack Your Bags, Not Your Worries

Protecting Your Home While You’re Away

 

Traveling can be exciting, whether you are leaving for a weekend getaway or an extended vacation abroad. However, leaving your home unattended for days or weeks can create security risks, increase utility costs, and even lead to unexpected emergencies. Proper preparation helps protect your property, gives you peace of mind, and allows you to enjoy your trip without worrying about what is happening back home.

 

An empty house can attract burglars and vandals. Homes that appear vacant are easier targets because criminals assume no one is present to notice suspicious activity. Unattended homes are also vulnerable to plumbing leaks, electrical issues, storm damage, and pest infestations. Even small problems, such as a dripping pipe or a faulty appliance, can become expensive disasters if they go unnoticed. Understanding these risks is the first step toward creating a secure and well-prepared home before traveling.

 

One of the most basic yet essential tasks is securing all entry points. Before leaving, check every door and window carefully. Ensure that deadbolts, sliding door locks, and window latches are working properly. Garage doors should also be locked, and any spare keys hidden outside should be removed. Do not forget less obvious access points such as basement windows, pet doors, and side gates. Taking a few extra minutes to inspect your home thoroughly can significantly reduce the chances of unauthorized entry.

 

If your home has a security system, make sure it is activated. Test alarms, sensors, and cameras before you leave. Smart security systems can send alerts directly to your phone, allowing you to monitor your home remotely while traveling. Visible security measures such as cameras, motion detectors, and alarm signs can discourage burglars from targeting your property. If you do not already have a security system, even simple devices like motion-activated lights can improve safety.

 

Do not increase your security risk by sharing vacation details publicly. Posting travel plans on social media signals that your home is empty. Criminals monitor public posts to identify unattended homes. Wait until you return before sharing photos and updates online. You should also avoid discussing your absence openly with strangers or casual acquaintances. Limiting who knows about your travel plans helps maintain your home’s security.

 

Piles of mail, newspapers, or packages outside your home is a clear sign that no one is around. Before traveling, arrange to have your mail held, or ask a trusted neighbor or friend to collect it regularly. Provide them with a spare key and your emergency contact information. Temporarily pause regular deliveries such as groceries, subscription boxes or newspapers. Keeping your front porch and mailbox clear helps maintain the appearance that someone is still home. Avoid leaving curtains completely closed, as this makes the house appear deserted. Arrange to have someone take out trash bins on collection day, and water any outdoor plants. 

 

Light timers are a simple but highly effective security tool. Setting indoor lamps to turn on and off at different times can mimic normal household activity. Smart lighting systems offer even more flexibility by allowing you to control lights remotely. Outdoor lighting is equally important. Motion-sensor lights near entryways, garages, and backyards can deter trespassers and improve visibility around your property at night.

 

Modern smart home technology offers additional convenience and security. Smart thermostats can help reduce energy usage while maintaining safe indoor temperatures. Smart locks allow you to monitor and control entry remotely, while video doorbells provide real-time alerts when someone approaches your home. Water leak detectors and smoke alarms connected to mobile devices can notify you of a problem immediately. These features provide reassurance and allow you to respond quickly even when you are far away.

 

Prepare utilities and appliances before departure. Adjust your thermostat according to the season. In colder months, avoid turning the heat off completely, as frozen pipes can burst and cause severe damage. During warmer months, adjust your air conditioning to an energy-efficient level. Unplug unnecessary electronics and small appliances to reduce fire hazards and conserve electricity. Check that stoves, ovens, and other major appliances are turned off properly before leaving.

 

A pre-trip checklist helps ensure nothing important is forgotten in the rush of travel preparations. Include tasks such as locking doors and windows, unplugging electronics, setting timers, holding mail, taking out trash, concealing valuables, and activating alarms. Using a checklist reduces stress and provides confidence that your home has been fully secured before departure. 

 

Perform one final walk-through of your home prior to leaving. A final inspection can prevent overlooked issues and provide peace of mind while you are away. With proper planning and preparation, you can enjoy your trip knowing your home is safe, secure, and well-maintained. 

 

Sources for this article included: myitchytravelfeet.com, fbfs.com, and journeyhere.travel.

By Loretta McCollum
Interiors By Design

Home Works

Unwanted Critters

Smart Ways to Protect Your Home! 

If you worry about an invasion of vampire bats in the attic or a pantry party involving mice, take some time to learn all about unwanted critters. Don’t let them move in! Small issues can turn big if they’re not caught in time. Who needs that kind of stress? Rodents and wildlife in or around your home can damage your property, contaminate food, and create unwanted odors. Worst of all, they pose health and safety risks. The good news? Most infestations can be tackled with a little common sense, early action, and bringing in the big dogs! Let’s learn about what attracts pesty intruders to begin with, the warning signs of infestation, prevention tips, safe removal methods, and knowing when to call a professional.

 

Your home provides exactly what wayward critters are looking for—shelter, food, and water. During chillier months, attics, crawl spaces, garages, and basements are a beacon of light for nesting and warmth, but pests also seek refuge from heat in the warmer months. And they’re always on the lookout for food sources like pet food and unsecured trash cans.

 

Mice and rats (yes, rats) often enter through tiny gaps around a home’s foundation, doors, pipes, and garages. Gulp. Bats have another technique. They roost in attics, chimneys, or soffits where they stay undisturbed. Raccoons are strong climbers with claws and teeth that can tear into roofing, vents, or chimneys. Those toothy opossums often hide under decks and porches or inside a shed. 

 

What about skunks? They tend to burrow beneath structures. Keep your distance or risk getting sprayed! Groundhogs and similar burrowing animals like to dig tunnels near your home’s foundation, sheds, or garden beds, and they don’t care if they tear it apart! 

 

Early detection is the best way to prevent major infestation. Look for clues like droppings in cabinets, garages, attics, or along walls. If you hear scratching, scurrying, or squeaking in the nighttime, or smell strong odors, you’ve got clear signs of critters. Look for torn insulation, fabric, or paper (used for nesting). Gnaw marks on wood or food packaging, tracks, damage at entry points, or burrowed holes around the foundation and in the yard are sure signs. Sometimes, bats leave dark staining around small openings in the roofline, while raccoons leave visible damage around shingles, soffits, or vents. 

 

Prevention starts with you, but it may not end there. Sealing small gaps can stop rodents from entering. Remember, mice can squeeze through openings as small as a dime! Mesh, weather stripping, or other durable sealants can be used to block access around pipes and utility lines, foundations, doors and windows, garage doors, chimneys, and attic vents. 

 

It also helps to store pantry foods in sealed containers, clean up crumbs quickly, and keep pet food indoors as much as possible. Outdoors, keep the grill clean, pick up fallen fruit, and tightly seal trash cans. Make food hard to find! Overgrown landscaping creates hiding spots, so keep bushes, shrubs, and tree branches trimmed. Remove wood piles (at least near the house). Standing water can also attract unwanted guests.

 

A single mouse or scratching noise may not raise concern, but a small problem can escalate very quickly. Rodents reproduce fast! Raccoons and squirrels may tear at insulation, damage ductwork, chew wiring, and increase fire risk. Droppings can create strong odors and real health risks. If you have a raccoon in the garage, a skunk under the wood pile, or a bat in the attic, consider calling a professional—improper handling of these critters poses safety risks like dangerous pathogens or bites and scratches. Don’t risk it. 

 

Professional pest control and wildlife removal companies often do more than just remove the unwanted critters; they identify how and why the issue started. Depending on the situation, the pros normally trap the animals, seal entry points, remove contaminated materials, sanitize, repair damage, and monitor for recurring activity. They also follow regulations to avoid health and safety concerns. Over time, these specialists save homeowners time, frustration, and costly damage, providing safety and peace of mind for you, your family, and your pets. 

 

Now that you’re up to date on addressing unwanted guests, keep in mind these practical tips if there’s a next time. Stay calm, investigate, and look for signs of entry or nesting. Don’t handle the critter directly. Avoid common mistakes like ignoring early warning signs, using unsafe poisons or traps, sealing openings while the animal is still inside, leaving pet food and water outside, and delaying professional help as the problem grows. The best defense is maintenance and awareness. Keep wildlife where it belongs—outside! 

 

Sources for this article included: cdc.gov, angi.com, and consumerreports.org. 

By Janette Calabro
Home Works

To Your Good Health

Move Better, Feel Better

Is Physical Therapy Right for You?

 

When most people hear the words “physical therapy,” they picture someone recovering after surgery or rehabbing asports injury. Yes, physical therapy is helpful for those things, but it’s about much more than recovery. Physical therapy can help you stay active, independent, confident, and pain-free at every stage of life. 

 

Increasingly, women are turning to physical therapy as a proactive way to improve mobility, reduce pain, prevent injuries, and maintain independence as they age. Whether it is regular back pain from sitting at a desk, stiffness after gardening, balance concerns, or discomfort that makes everyday life less enjoyable, physical therapy can help women move through life with greater comfort and confidence.

 

At its core, physical therapy is designed to improve how your body moves. Through guided exercises, stretching, education, posture correction, and hands-on techniques, physical therapists help patients strengthen muscles, increase flexibility, improve balance, and reduce pain. 

 

A physical therapist is a licensed healthcare professional trained to evaluate movement problems and create customized treatment plans based on a person’s goals and lifestyle. Treatment is tailored to your body, your needs, and the activities you want to enjoy.

Physical therapy can help treat many issues, including posture and flexibility issues, pelvic floor dysfunction, balance and mobility concerns, arthritis and chronic pain, sports injuries, back or joint pain, and recovery after falls, illness, or surgery. 

 

Physical therapy can help before problems become severe. Persistent stiffness, difficulty climbing stairs, recurring headaches, poor balance, or discomfort during exercise may all be signs it’s time to seek care. Pain is often the body’s way of signaling that something isn’t moving correctly. 

 

Physical therapy may also benefit women who simply want to stay active and independent as they age. Physical therapists can identify muscle imbalances, posture issues, or movement habits that may eventually lead to injury or chronic discomfort.

 

Physical therapy can also improve exercise form and performance. Small adjustments in movement mechanics can help reduce strain on joints and lower the risk of future injuries.

 

Many women also seek pelvic floor therapy after childbirth to combat bladder leakage, pelvic pain, or core weakness. These common issues are very treatable.

 

The first visit to a physical therapist is typically an evaluation that lasts an hour or so. During that appointment, your therapist will discuss your medical history, symptoms, lifestyle, and goals. You will also complete a physical assessment that may include posture evaluation, balance testing, range-of-motion measurements, and strength checks. 

 

From there, your therapist will create a personalized treatment plan. Treatment often includes guided exercises, stretching, strengthening routines, balance work, manual therapy, and education about posture and body mechanics. Most patients also receive simple exercises to do at home between visits.

 

Progress happens gradually, so consistency is one of the biggest factors in success. Many patients attend therapy one to three times per week for several weeks, depending on their condition and goals. Be patient! It is worth the wait.

 

One of the greatest benefits of physical therapy is pain management without relying solely on medication. By improving movement patterns and strengthening supportive muscles, many patients experience lasting relief and improved function. Other benefits may include increased strength and flexibility, better posture and balance, faster recovery after injury or surgery, reduced risk of future injuries, improved confidence in movement, and greater independence and quality of life. 

 

Physical therapy can also positively impact mental wellness. Chronic pain and limited mobility often lead to frustration and decreased activity levels. Regular movement and progress toward goals can help women feel more energized, capable, and confident.

 

For older adults, especially, physical therapy plays an important role in fall prevention and maintaining independence. Therapists can recommend exercises, home modifications, and assistive devices that make everyday life safer and more manageable. 

 

In many cases, physical therapy is covered by health insurance. Some states allow direct access, meaning patients can schedule physical therapy without a physician referral. Check with both your insurance provider and the therapy clinic beforehand to understand coverage and any out-of-pocket costs.

 

Look for a licensed physical therapist with experience treating your specific concern. Ask questions during your first visit, including what progress may look like, how long treatment may take, and what you can do at home to support recovery.

 

Perhaps most importantly, remember that movement is one of the best gifts you can give yourself. Small daily habits like stretching, walking, improving posture, and staying active can make a big difference. Whether your goal is keeping up with grandchildren, enjoying travel, returning to favorite hobbies, or simply moving through your day with less pain and more energy, physical therapy can help you continue living life to the fullest. 

 

Sources for this article included: my.clevelandclinic.org, houstonmethodist.org, creighton.edu, and brownhealth.org.

By Leslie Byrne
To Your Good Health

401(k) Investing for Newbies & Nerds

A Billion Here, A Billion There

Pretty Soon It Starts to Add Up to Real Money

During a 1963 debate on the federal budget, the senior Senator from Illinois, Everett Dirksen, proclaimed, “a billion here, a billion there, and pretty soon it starts to add up to real money.” Dirksen didn’t use exact numbers, and that was not his intent. He used hyperbole to point out that the proposed level of federal spending would continue to increase the Federal government’s involvement in the lives of the American public, both on the spending side and on the taxing side. 

 

The same thing can be said about the current state of our nation’s 401(k) program: “It is starting to add up to real money.” As it was in Dirkson’s case, the numbers I am about to present are not precise, but because of the massive dollar amount involved, lack of specificity does not diminish the increasing role the nation’s 401(k) program plays in the lives of American workers.

 

The 401(k) program became the law of the land in 1978. It allows workers to place a portion of their paycheck into a tax-sheltered account that will become an source of income upon the owner’s retirement. A 401(k) account is an investment account, not a savings account. Individual account owners are required to design their own investment portfolios, but they are limited to a menu of mutual funds provided by their plan administrator. Business owners are responsible for initiating and maintaining a 401(k) plan for their company. Some do; others choose not to. 

 

The public’s initial response to the 401(k) program was underwhelming. By the end of its first decade in operation, only 3 million workers had been enrolled, and the collective value of the program’s assets was a paltry $4.8 billion dollars. Adjust these amount for inflation, and the picture looks even more insignificant.

 

Fast forward to today. When we entered the 21st century, the total value of the 401(k) program was $1.7 trillion, with 67 million participants. At the end of 2025, the number had exploded to 90 million participants with a collective investment of $14 trillion. If you combine these numbers with those who have retired and transferred their 401(k) dollars into a rollover IRA, the collective figure is $33 trillion. That is number seven times larger than the federal budget and 45 percent bigger than the US gross domestic product (GDP). It has added up to real money!

 

The growth of an individual 401(k) account has several distinct components. First, there are the additional dollars being added from the participant’s payroll deductions. (In some cases, there is also an employer matching amount.) Next is the growth of the investments selected by the account’s owner. It is impossible to calculate what percentage of this impressive growth in 401(k) assets can be attributed to payroll deductions and what percentage is a result of investment gain. But let’s assume that the gain from the investment portion is a meager 25 percent of the total. That translates to $3.5 trillion added to workers’ retirement accounts simply due to gains in the nation’s stock and bond markets.

 

Prospects for the continued growth of the nation’s 401(k) program got a boost recently when President Trump signed an executive order designed to increase the ability of America’s workers to put away money for their golden years. The executive order directs the Treasury Department to establish a website called trumpira.gov. This website would market low-cost IRA accounts from private financial institutions to low-wage workers who lack access to a 401(k). The executive order is intended to sweeten the deal for workers who make less than $35,000 a year by offering a federal matching contribution of up to $1,000. The Treasury Department would further provide the employer with an extra $1,000 to help cover the administrative costs. 

 

The number of small business workers with access to 401(k) plans has grown by nearly 6 million since 2019. This is in in response to a competitive job market, new tax credits, and laws in several states that require employers to give workers a way to save for their retirement years. Another factor incentivizing small businesses to provide a 401(k) plan is the fact that a plan’s biggest account holder is often the business owner. 

 

While the $14 trillion in 401(k) accounts and the additional $19 trillion in rollover IRAs are impressive numbers, what is even more significant is the fact that these are dollars owned by the American people. They do not belong to the government, nor do they belong to a corporation. This provides indisputable evidence that your 401(k) is a gift that keeps on giving. How much it gives and how long it keeps on giving depends on how well you manage your account. 

 

Editor’s Note: George Morgan has five decades’ experience in all phases of the investment process. He is currently the Founder and Principal of Morgan Investor Education. His website is morganinvestoreducation.com.

 

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult your financial advisor prior to investing.

By George Morgan
Focus On Finance

Seasons of Life

Senior Transition Services

Navigating the Next Chapter

 

Moving an aging parent or loved one into senior housing or assisted living it is not an easy decision to make. It requires a great deal of thought and consideration, not to mention research and a large helping of emotional fortitude. It requires the certainty that it is the best option for their well-being, as well as their readiness to begin the next chapter of their life. 

 

There are many considerations that come into play at this time in their lives. First and foremost: Can your parents take care of themselves? They may have chronic illnesses or conditions that require daily treatments or that can decrease their ability to realistically care for themselves. If your parents need assistance with dressing, bathing, and meal preparation, transitioning to a senior housing situation may be necessary. 

 

Safety is also a very significant concern for seniors living alone. The risk of fall-related injuries increases as mobility decreases; this may also indicate the need for supervised care. 

 

Another consideration is whether or not they can take care of their home. Sometimes cognitive decline affects the elderly’s ability to maintain their homes and manage everyday responsibilities. In other cases, cognition is intact but the physical ability to do housework is no longer present. If your parents struggle with cleaning, grocery shopping, paying bills, or doing other household chores, they may benefit from housing that offers assisted living or full-time support. 

 

How do you determine the right fit for your loved one? Options include independent living, assisted living, skilled nursing care, and memory care. Consider the factors that can influence the correct fit for your loved one, such as location, budget, lifestyle, and medical needs. 

 

Assisted living is essentially independent living with help as needed and desired. It is a community-based lifestyle in which older adults can receive support with activities of daily living. This type of care emphasizes holistic well-being. 

 

In a nursing home facility, the focus is on health and concerns about managing disease. People with complex, chronic, and ongoing medical needs may find they are more comfortable in a nursing home setting. 

 

Memory care (also known as memory support, dementia care, or Alzheimer’s care) offers around-the-clock supervision and caregiving for those living with different forms of dementia. They also offer secure environments to prevent injury and wandering.

 

It’s a lot of work to find the next home for your aging loved one! Luckily, you don’t have to navigate the transition alone. Senior transition agencies have the experience and expertise to assist you during this stressful and confusing time. They can accomplish the research, help choose an appropriate facility, and even take care of the moving. 

 

These professionals are excellent at helping to identify the appropriate living options and the best type of care for each individual. They can actually set up interviews and tours at different communities and can help educate you and advocate for your loved one. They often have access to a network of healthcare providers, which allows for regular specialist visits or on-site medical care. They can assist in organizing and downsizing a parent’s home and coordinating every aspect of a move to an assisted living facility. Their goals are to achieve the best arrangements possible for everyone involved and to make sure that everyone is comfortable with the outcome. 

 

How do you start the conversation with a loved one about this topic? First, make sure you have the right mix of family members, all at the same place at the same time. Make sure that everyone is willing to set the tone for a pleasant and productive conversation. 

 

Second, plan for a few “bumps in the road.” You cannot rush these conversations, nor can you refuse to be flexible. Start with small talk and avoid putting your loved one on the defensive. 

 

Ask specific questions, such as: What do you worry about? How often do you need to do grocery shopping? Do you feel comfortable driving (day or night)? Make sure they understand that you want to make the right decisions on their behalf, but don’t take over the decision-making process for them; remember, this is not about you.

 

Make no mistake—life transitions are challenging for everyone involved. Complicated family dynamics can come into play, and navigating these dynamics is a process unique to each family and each individual situation. At the forefront of any situation, however, should be honoring the wishes of a senior family member while making the transition to assisted living or another supervised living situation as stress-free as possible. 

 

Sources for this article included: aarp.org, seniorservicesofamerica.com, and creativesolutionsinhealthcare.com. 

By Linda Sutherland
Seasons of Life

Peak Performance

Preparing to Succeed

Healthy Back-to-School Routines

 

I know, I know…it’s too early to talk about going back to school. We’re still enjoying the summer! The fact is that kids thrive on routines, and it’s never too early to plan ahead for the routines of the new school year. 

 

The first routines to consider are your child’s routine examinations, including medical, dental, and vision. Well child examinations are essential to monitor your child’s growth and development. Catching health issues early makes dealing with them much easier. Depending on what grade your child is entering, they may need vaccinations or just a routine checkup. 

 

If they are in middle or high school and are playing sports, they will need a sports physical. Many pediatricians start offering these on May 1st, and parents book early! If your pediatrician is booked, consider a standalone urgent care facility. They often have convenient sports physicals at a reasonable cost.

 

Kids also need an annual eye exam. As they grow, their eyes can change quickly. Difficulty seeing can impact school performance and learning. It’s one small thing that can make a big difference!

 

Of course, we can’t forget those pearly whites. Just like adults, children should visit the dentist twice a year. Dentists can often tell early on if your child will need braces in the future. Sometimes they can also help correct things like an overbite or underbite before it starts to cause problems. 

 

The second routine to consider is mealtimes and nutrition. Proper nutrition is the keystone to a healthy mind and body. It’s a lifetime skill! Encourage your child to stay hydrated by drinking plenty of water. Minimize sugary snacks and beverages and maximize healthy snacks like fruit, nuts, and yogurt. Offer meals made of fresh food whenever possible. Encourage a healthy breakfast. Donuts are tempting, but they won’t provide the energy it takes to get through the day. 

 

The social and nutritional benefits of having meals together as a family may surprise you. According to researched cited by the American College of Pediatricians, regular family meals result in enhanced language development and literacy skills, improved relationships among family members, and better eating habits, including healthier diets, fewer eating disorders, and lower levels of obesity. Even if busy schedules mean that family dinner can’t happen every night of the week, it’s worth making it a priority. 

 

The third routine is organization. Strong organizational skills will benefit your kids throughout their lives! When you think about routines for the school year, consider what kids will need when they head out the door in the morning. Choose clothing the night before. Make sure that school supplies, shoes, and jackets are properly corralled before kids go to bed. Label everything that might need a label (supplies, clothing, water bottle, sporting gear). Set an alarm for 10 minutes before they need to leave for school. 

 

Designate an area for doing homework (your kids’ needs for this will depend on their age). Keep the workspace free from clutter. If the school doesn’t supply a weekly planner, get one. Kids need to learn how to manage their time and meet deadlines, and the first step is writing them down. 

 

Adapt the established bedtime routine. All kids need good sleep to succeed, but their needs for bedtime routines change as they grow. Provide a cool, quiet bedroom. Have them charge their phone or other devices overnight in a different location—we all know the temptation they bring when they’re nearby. Screen time needs to end an hour before bedtime. Don’t forget to adapt the wakeup routine, as well! Learning to get up with your own alarm is a vital life skill. 

 

There are a couple of common mistakes to avoid at the beginning of the school year. The first is expressing your own negative feelings about school. If your own experience with school was difficult, this is not the time to share it. Focus on the positive experience that you hope they will have, and they can meet the day with your confidence boosting them up. 

 

The next mistake to avoid is minimizing your child’s emotions about school. It’s easy to dismiss a child’s anxiety by saying, “It’s no big deal; you’re just starting school.” It is a big deal to them! The transition from one school to the next can be especially challenging. Remember to listen, acknowledge, and reassure. 

 

The beginning of the school year is a perfect time to fine-tune your approach to your child’s independence. This depends on your child’s individual needs and their situation. Try to be supportive while allowing them the independence to learn from their mistakes. Make sure they have their supplies and are physically and mentally healthy, ready to meet the day.  

 

Sources for this article included: mayoclinichealthsystem.org, lifehacker.com, and acpeds.org. 

By Laureen Vernon
Peak Performance

Auto Wise

How to Choose Car Insurance

Shop With Confidence!

 

If you are new to car insurance or are currently comparing policies, it helps to understand common insurance terms. An insurance adjuster investigates claims, while an agent sells policies. An agent may work for a specific insurance company or may be an independent agent, who can help you find insurance from among different companies.

 

A claim is a payment request—that’s what you file when you need to use your insurance for repairs or replacement. The deductible is the amount you pay before coverage begins. For example, if your deductible is $500 and repairs cost $1,500, the insurer pays $1,000. 

 

Your premium is the amount you pay for coverage, either monthly or annually (paying annually may earn you a discount). A surcharge is an increase in your premium caused by a violation, an at-fault accident, or a lapse in coverage. An endorsement (also called a rider) adds or changes coverage. This could include things like car rental reimbursement or roadside assistance.

 

Two common types of car insurance are collision coverage and comprehensive coverage. Collision pays for damage to your car after an accident, whether it involves another vehicle or a stationary object, regardless of fault. Filing a collision claim may raise your premium because the accident is often treated as your fault.

 

Comprehensive insurance covers non-collision damage, including theft, fire, vandalism, natural disasters, falling objects, and animal strikes. Because these claims are usually not considered your fault, they typically do not increase your rates. Even if a vehicle is in storage and not being driven, it is still wise to keep comprehensive coverage.

 

“Full coverage” usually refers to a policy that includes both collision and comprehensive insurance. However, it does not automatically include liability insurance. Liability coverage pays for injuries and property damage that you cause to others if you are responsible for an accident, and it is required by law in most states.

 

If you are hit by a driver with no insurance or too little coverage, uninsured and underinsured motorist coverage can help pay for your injuries and, in some cases, damage to your vehicle. This coverage offers valuable financial protection when the other driver cannot fully cover the damage. 

 

Like many other industries, car insurance companies are using mobile apps and self-service tools to make the insurance process easier. As these technologies continue to improve, they will play a major role in shaping how people shop for insurance and manage their policies. A strong online or mobile experience should be standard for any quality insurer, since digital platforms can make it easier to get quotes, review coverage, make payments, and file claims. However, complex claims will often still require a phone call or direct assistance from a representative, and digital tools are unlikely to replace human support when major issues arise.

 

Bundling policies, such as home and auto insurance, with a single company can simplify management and save money. Many insurers offer discounts for combining policies, and one bundled package is often easier to manage than separate plans. 

 

When shopping for insurance, most people consider the premium to be the most important factor. That cost depends on several variables, including your vehicle’s value, repair costs, the local cost of living, your driving record, and the deductible you choose. In general, a lower-value car costs less to insure. Choosing a higher deductible can also reduce your premium because it means you are willing to pay more out of pocket if you file a claim.

 

Insurers also consider lifestyle factors when setting your premium, including your driving record, at-fault claims, commute length, and whether you use your car for work. They may also look at auto theft rates in your area. They will consider how many drivers are on the policy and whether any of them are teenagers. Staying with the same insurer longer may qualify you for a loyalty discount.

 

It’s wise to review your car insurance at least once a year. You may need to review it sooner if your coverage needs change, such as when you add a driver or buy a new car. Premiums can increase for many reasons, including factors outside your control, such as inflation. By regularly reviewing your policy, you can help avoid paying more than necessary for car insurance. 

 

Be sure to compare quotes from several companies. Ask what discounts an insurance company offers, such as safe driving discounts or bundling discounts. These are simple ways to reduce costs, but they require taking the time to ask the right questions. An independent insurance agency, which represents more than one company, can help. The savings are well worth the time it takes to ask the questions. 

 

Sources for this article included: consumerreports.org, jdpower.com, and forbes.com.

By Kris Pryor
Auto Wise

The Good Life

Finding Balance

Bioidentical Hormone Therapy

 

One minute, you’re comfortably enjoying your morning coffee…the next minute, you’re beaded in sweat, wishing you had a walk-in freezer. You can’t remember why you came into the kitchen, and that’s obviously your husband’s fault. Welcome to perimenopause, when your inner thermostat, your patience, and your sanity are in a bitter custody battle. 

 

As women approach menopause, hormone levels decline and fluctuate, leading to a range of physical and emotional symptoms. Bioidentical hormone replacement therapy, often called BHRT, is a treatment used to help relieve the annoying symptoms caused by hormonal changes, particularly during menopause. 

 

Traditional hormone replacement therapy (HRT) uses synthetic hormones or hormones derived from animal sources. Bioidentical hormones, by contrast, are designed to be chemically identical to the hormones naturally produced by the body, including estrogen, progesterone, and testosterone. Treatment is typically individually tailored based on each individual’s symptoms, medical history, and hormone levels. 

 

BHRT is available in FDA-approved products as well as in customized compounded formulations prepared by specialized pharmacies. Compounded therapies may combine hormones in unique doses or delivery methods designed for individual patients. 

 

Women consider BHRT for several reasons, including relief from hot flashes and night sweats, improved sleep quality, reduced mood swings or irritability, increased energy and mental clarity, improved vaginal health and sexual comfort, and support for bone health. 

 

Any of these symptoms may impact physical health, emotional wellness, and interpersonal relationships. Lack of sleep alone can contribute to irritability, poor concentration, and decreased productivity. Some women also experience reduced confidence or feelings of isolation as their bodies change.

 

BHRT can be delivered in several forms, depending on patient preference, medical needs, and provider recommendations. Common administration methods include pills or capsules, skin patches, topical creams or gels, injections, vaginal rings or suppositories, or small hormone pellets inserted beneath the skin. 

 

Each delivery method has advantages and considerations. For example, patches and gels may provide more stable hormone absorption, while pellets can offer long-lasting hormone delivery over several months. A healthcare provider typically evaluates symptoms, lifestyle, medical history, and sometimes laboratory testing before recommending a treatment option.

 

BHRT is not usually a one-time treatment. Successful therapy often requires ongoing monitoring and adjustment. Providers will periodically monitor side effects, blood pressure and weight, hormone levels, breast and bone health, and symptom improvement. 

 

Regular follow-up appointments are important because hormone needs often change over time. The goal is to use the lowest effective dose for the shortest appropriate duration while maintaining symptom relief and safety. Women with a history of certain cancers, blood clots, liver disease, or cardiovascular conditions may require additional evaluation before starting hormone therapy.

 

Like all medical treatments, BHRT has both potential benefits and possible risks. In addition to relief from the above-mentioned symptoms, potential benefits include increased energy and bone density support. Potential risks include blood clots, stroke, headaches, bloating, acne, unwanted hair, and, in some cases, increased breast cancer risk, depending on the combination of hormones administered. 

 

The level of these risks depends on factors such as age, health history, hormone type, dosage, and treatment duration. This is why professional guidance and individualized care are essential. Hormone therapy should always be managed by a qualified healthcare provider. Personalized care helps ensure that treatment decisions are based on an individual’s symptoms, health history, goals, and risk factors.

 

A provider may recommend lifestyle changes, non-hormonal treatments, or alternative therapies in addition to BHRT. Open communication allows patients to discuss concerns, side effects, and treatment expectations honestly. Women should avoid self-prescribing hormones or relying solely on online information without medical evaluation.

 

Before starting BHRT, it’s important to ask questions. Confirm with your provider whether you are a good candidate for BHRT. Have them go over potential risks based on your current physical condition and medical history. Ask about potential benefits, length of treatment, a monitoring schedule, and what side effects to watch for. Find out if there are FDA-approved bioidentical options available. These conversations can help patients make informed and confident healthcare decisions.

 

Healthy lifestyle habits may enhance the effectiveness of treatment and support hormone balance and overall wellness, contributing to long-term health during and after menopause. Eating a balanced diet rich in fruits, vegetables, and lean protein can often help manage symptoms. Limit your alcohol intake, and don’t smoke. Exercise regularly. Manage stress through mindfulness or relaxation techniques. Maintain a consistent sleep schedule and a healthy weight. 

 

Whether it’s fewer hot flashes, better sleep, or simply not crying over a toothpaste commercial, balanced hormones can make a big difference. As with any medical treatment, the key is finding the right balance, the right provider, and maybe a little patience. 

 

Sources for this article included: clevelandclinic.org, mayoclinic.org, and mlrb.net.

By Loretta McCollum
The Good Life

Great Escapes

The Great Migration

Your Trip to Africa

 

Going on an African safari is a bucket list or dream trip for many travelers. July through October is the window to go, with August and September being the prime time to experience the Great Migration. This is the largest mammal migration on the planet, and you can truly experience it on safari. You’ll see it with your own eyes, hear and feel the sounds of movement and feedings, and even smell the animals as they are on the move. 

 

As the dry season and drought approach, animals are on the lookout for sources of water, which moves them north toward the Masai Mara National Reserve in Kenya. The rivers are where the crocodiles lie in wait for their next meal. If the mammals can avoid those predators, they still have to be on the lookout for the largest lion population in Africa, lurking around for opportunities to hunt. There is a lot of excitement observing the circle of life here!

 

Expert guides and safari operators will guarantee you great vantage points for wildlife viewing. Consider a hot air balloon tour for a different experience, where you can see thousands of wildebeest, gazelles, and zebras from high above. You can even download apps that track the migration live. 

 

Most safari-goers want to make sure to see the Big 5: lions, leopards, elephants, buffalo, and rhinos. But you will also have the greatest chance to spot giraffes, hippos, zebras, gazelles, jackals, hyenas, cheetahs, jaguars, crocodiles, raptors, and other birds. This is the Great Migration. And it is one of the most awe-inspiring events in nature that one can experience.

 

Ravyn Howard, a travel advisor and the CEO of The Suiteheart Society, recommends the Masai Mara National Reserve in Kenya and the Serengeti in Tanzania as the best destinations during the Great Migration. Amboseli National Park (which offers views of Mount Kilimanjaro) and Lake Naivasha are also good options if you have the time. Masai Mara National Reserve connects directly with Serengeti National Park, creating one of the world’s largest intact ecosystems for wildlife migration.

 

Masai Mara National Reserve is Kenya’s most famous wildlife reserve and one of the most reliable destinations for spotting large mammals in the savannah. To learn more about the area, take a look at their website (masaimara.ke), which outlines clear details on what areas are famous for which sightings, key attractions and landmarks, what to expect, what to pack, and plenty more helpful tips and useful information.

 

Avid birders will have to plan (another) trip for when migratory birds arrive between November and April. There are over 500 species to add to your bird count here! You can barely imagine the beautiful variety of colors you will see on these birds, and the songs and calls you will hear.

 

Have you considered what type of lodging you prefer while on safari in Africa? This is where your travel agent’s expertise comes in handy. Options include staying in tented camps, luxury tents, or luxury lodges. Accommodations usually include meals and two game drives per day. If you want to wake up and go to sleep to the sounds of the nearby animals, a luxury safari experience is what you should ask for! Be immersed in Africa’s wild beauty with a glass of wine in one hand as you are soaking in your own personal plunge pool with a view. These are definitely not your typical camping trips—you will not be “roughing it” here. 

 

Remember that quality is better than quantity, so do not try to see more than two parks in a week. Also, expect one night in Nairobi upon arrival. In addition to wildlife safaris, since you have travelled so far, why not add a beach component to your vacation? Get a well-rounded African holiday by pairing Kenya with the Seychelles or Tanzania with Zanzibar. 

 

The Seychelles are famed for their turquoise seas, white sand beaches, granite rock formations, and lush forests. Nature lovers and photographers love it here. Enjoy excellent visibility diving and snorkeling the reefs. 

 

Zanzibar is known for its blend of tropical beaches, Swahili culture, and spice-trade history. Along with the diving, snorkeling, and water sports, you’ll enjoy lively evening food markets and short, easy excursions to see Jozani Forest’s red colobus monkeys and Prison Island’s giant tortoises. 

 

Take your pick! Either one would be a perfect ending to an amazing trip to Africa. You can simply relax and get some great photos that you will print out and frame when you get home. Your travel agent can help you book the experience of your dreams! 

 

Sources for this article included: masaimara.ke, serengeti.com, and national-parks.org. 

Editor’s Note: Jackie has been a freelance writer since 2006. Her work has appeared in publications including Colorado Golf, Desert Golf, and Canadian Architecture & Design. Her blogs can be found at BoardandRide.com and the luxury and adventure travel website, ArtofTripping.com. 

By Jackie Williams
Great Escapes

The Green Thumb

Misunderstood Perennials

What Have They Done to Deserve This?

 

Let’s talk about the good, the bad, and the possibly ill-favored perennials. There are many species in this group that get a bad reputation for one reason or another. But, once you dig a little deeper (garden pun!), you will find that most of these misunderstandings are superficial. 

 

Gaillardia (commonly known as blanket flower) is native to North and South America. Its common name refers to its resemblance to the brightly patterned blankets made by Native Americans. With cheerful, daisy-like flowers in shades of red, orange, and yellow, this heat-tolerant and heavy-blooming flower attracts butterflies and native bees. They love full sun and well-drained soils. 

 

The problem with blanket flowers is that they tend to be very short-lived (two years, at most). There are two reasons for this. The first is that they require excellent drainage, which is not found in every garden. The other reason is that they bloom so profusely that they exhaust themselves and burn out quickly. 

 

I personally love them, as they were one of my mother’s favorites. I treat them as annuals, since I have had no luck with them surviving Midwest winters. On a happy note, deer and rabbits usually avoid blanket flowers. When they bloom, they are magnificent, so don’t count them out if you are looking for color and drama in your garden…so long as you’re willing to replace them every year or two.

 

Yarrow (Achillea millefolium), is a very hardy, aromatic perennial with fern-like leaves and flat-topped clusters of small flowers, often pink, yellow, or white. They attract pollinators like butterflies and bees and are known for their drought tolerance and ridiculous ability to grow in poor soils. Yarrow can be a terrific ground cover and works well for erosion control. It loves full sun and does not like to be overwatered.

 

What’s the problem with yarrow? It can also become an invasive headache. It spreads aggressively and requires regular dividing, which many gardeners do not care for. I personally like the look of yarrow, but proceed with caution if you decide to plant it. 

 

An interesting fact regarding yarrow: It is also called “devil’s nettle” because European folklore linked the flower with witchcraft and dark magic. Superstitions held that the devil used yarrow to cause mischief and curse homes. Whether this makes you more or less likely to plant it is your own business.

 

If you love monarch butterflies, I highly recommend that you plant the next perennial on our list. Yes, I am referring to common milkweed (Asclepias syriaca). The imperiled monarch butterfly requires milkweed plants in order to survive. Monarchs migrate into the United States from Mexico in spring to lay their eggs on milkweed species plants. Caterpillars hatch from the eggs and consume the milkweed foliage as food. There has been a significant decline in monarch butterfly populations in North America due to the widespread use of herbicide-tolerant row crops. To support monarch butterflies, plant species of milkweed that are native to your area. The flowers on milkweed are quite lovely.

 

Wait, this is a list of problematic perennials! What’s the problem with milkweed? It propagates easily and can naturalize in the garden, taking up quite a bit of space. Of course, this can be a gift or a curse, depending on your garden.

 

Russian Sage (Perovskia) is gorgeous when planted in a grouping, and it’s prized for its drought tolerance…and that’s about the end of its list of advantages. If you plant the Blue Spire variety and confine it to a small space, you’ll get a lovely plant with purple-blue blooms. If you choose any other variety and plant it in open ground, it will sucker aggressively and take over the plants around it. 

 

Older species send out underground runners that pop up two to three feet away from the mother plant. They can easily overwhelm and choke out neighboring perennials if not kept under control. If overwatered, the tall stems become weak and leggy and flop over on surrounding flora. Also, it’s toxic. The leaves are poisonous if consumed and can cause skin irritation for sensitive individuals. 

 

We’ve come to the last perennial on the list: peonies. These flowers are considered a low-maintenance heirloom flower, but the reality is that their blooms are notoriously fleeting and everybody knows that those heavy, fragrant flowers flop over into the mud during heavy rain. Additionally, they require staking, are very susceptible to powdery mildew, and will not bloom at all if planted too deeply. They require at least six hours of sunlight, so shady conditions drastically reduce blooming. Peonies also hate wet feet, so do not overwater. 

 

It’s your garden, so you get to decide which plants are worth your time and energy. 

By Linda Sutherland
The Green Thumb

Cuddly Critters

More Than Misbehavior

Pet Behavior Disorders

 

Understanding our furry friends starts by understanding that our pets communicate through their behavior. Some of these behaviors or habits can be frustrating or confusing. However, behavioral problems often signal that a pet is stressed, anxious, or uncomfortable, or that its essential needs are not being properly met. Understanding what causes these behaviors helps owners respond with patience and support rather than frustration and punishment.

 

Behavior disorders in pets refer to patterns of behavior that interfere with a pet’s well-being or daily life. These issues can range from mild to more serious concerns. Common examples include separation anxiety, fear-based aggression, destructive chewing, excessive barking or meowing, compulsive licking, pacing, or inappropriate elimination. While some behaviors are temporary reactions to stress, others may become ongoing problems if left unaddressed.

 

Pets respond negatively to many of the same situations that cause stress responses in their humans. Changes in environment, inconsistent routines, lack of stimulation, past trauma, or limited socialization can cause emotional stress in pets. Even positive life changes, like moving to a new home or welcoming a new family member, may trigger anxiety. The American Veterinary Medical Association (AVMA) notes that behavioral health is closely linked to a pet’s physical health and quality of life.

 

Many behavior issues develop gradually, and warning signs can be subtle. A dog may hide, avoid interaction, or become clingy. Cats may overgroom, stop using the litter box, or withdraw from contact. Other signs may include growling, lunging, nonstop vocalizing, destructive behavior, or habits like tail chasing or chewing furniture.

 

It’s important to understand that some pet behaviors we may find frustrating are still normal animal behavior. Puppies may chew excessively while teething. Cats scratch to mark territory and maintain healthy claws. Many pets get excited when visitors arrive. However, excessive or disruptive behaviors may point to an underlying problem. Pets often show discomfort through changes in body language, appetite, or energy levels.

 

Changes to a pet’s routine often trigger behavioral issues. Pets thrive on predictability and a set schedule. Disruptions like travel, moving, schedule shifts, or their owners returning to office work can raise stress levels for your four-legged friends. Some pets struggle with longer periods alone and may bark, scratch doors, or destroy items as a way to communicate their stress.

 

Lack of exercise and mental stimulation can also lead to problem behaviors. Dogs without enough activity may become hyperactive or destructive. Indoor cats who lack enrichment may develop habits like excessive meowing or overgrooming due to boredom. The American Society for the Prevention of Cruelty to Animals (ASPCA) suggests daily enrichment, like puzzle toys, play, and training, to reduce stress and prevent boredom.

 

Medical issues can also result in behavioral changes. Pain, illness, hearing loss, cognitive decline, or digestive discomfort can alter a pet’s behavior. A friendly dog who grows irritable or a cat who avoids the litter box may need the expert attention of a veterinarian. The American Animal Hospital Association (AAHA) notes that medical and behavioral health often overlap. Veterinary care should be your first step when behaviors start to change.

 

Many behavior concerns can improve with support and management. Creating a routine helps pets feel secure. Feeding, walks, play, and bedtime schedules should stay consistent. Regular exercise is also important. Physical activity reduces stress and releases excess energy.

 

Training and behavior modification can also make a difference. Positive reinforcement rewards desired behaviors instead of punishing unwanted ones. This training approach builds trust and confidence. Treats, praise, toys, and consistency encourage positive behaviors. Punishment-based methods may increase fear and anxiety, especially in pets who are already under stress.

 

A calm home can support emotional well-being. Quiet resting spaces and safe hiding areas help cats. Soothing music and interactive toys also improve comfort. Some owners use calming products like pheromone diffusers, anxiety wraps, or slow-feeder bowls. These can reduce stress during storms or travel.

 

Sometimes, professional guidance can help manage behavior disorders. Veterinarians, trainers, and veterinary behaviorists can identify triggers and make management plans. Severe anxiety or compulsive behaviors may need both training and medical treatment. Medication may help pets manage stress. Usually, it is considered alongside other changes, not used alone.

 

Pet owners can reduce stress at home in simple ways. Provide regular playtime and enrichment toys. Keep departures and arrivals calm. Give pets quiet time as needed. Avoid mistakes like yelling, inconsistency, or expecting instant results. It takes time, patience, and repetition to improve behavior.

 

Behavior disorders can feel overwhelming. Many pets improve with understanding and good support. By noticing changes and responding with compassion, owners strengthen their bond with pets. This helps animals feel safer, calmer, and more confident. 

 

Sources for this article included: aaha.org, aspca.org, and avma.org. 

By Savannah Rosa
Cuddly Critters

Positive Perspective

Where’s Your Passion?

Go Search for It

 

“There is no passion to be found playing small—in settling for a life that is less than the one you are capable of living.” —Nelson Mandela; revolutionary, politician, philanthropist

 

Today, I was having a conversation with an old friend. He’s frustrated about his career path, and he thought he would be further ahead at this point in the game. I suggested he change his career path and do something that would make him excited to get out of bed in the morning. Like many people, he kind of stumbled into his career. He didn’t intend to go into the field he’s been in for the last 15 years, and I think it’s finally catching up with him. Some people are quite content to play the role they landed, but others just become restless—that’s who I’m speaking to here. There’s no benefit for you to stay in a situation (professional or personal) where there is no passion, no excitement, no commitment. That’s not to say that every day should leave you fulfilled and brimming with joy, but more days should be like that than are not.

 

“If you feel like there’s something out there that you’re supposed to be doing, if you have a passion for it, then stop wishing and just do it.” —Wanda Sykes; comedian

 

As I look around at the people in my life, the ones who seem happiest are the ones who are doing something they are passionate about. Even if you don’t share their interest, you can almost physically feel the energy and excitement when you are talking with someone about doing something they love. While you may not be passionate about public speaking, writing computer code, or crunching numbers, we’re lucky that there are people out there who love to do these things! You need to find something that lets you use your natural skills and your best abilities. 

 

“Any human being is really good at certain things. The problem is that the things you’re good at come naturally. And since most people are pretty modest instead of an arrogant S.O.B. like me, what comes naturally, you don’t see as a special skill. It’s just you. It’s what you’ve always done.” —Stephen Jay Gould; evolutionary scientist

 

We all have bad days at work, but if your good days outweigh your bad ones, you’re definitely headed in the right direction. If you have lost your passion, maybe you can find it again on a different path.

 

If you have never had a passion for your job or career, perhaps it’s time to start figuring out what else might spark your interest. Let’s face it: a good deal of our waking time is spent working, so you might as well be doing something you enjoy rather than something you hate. Life is way too short for that! 

By Carissa Rosa
Positive Perspective

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