Archive for the Category ◊ Helpful Hints ◊

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The cost of a college education continues to rise. According to Salliemae/Gallup the cost of $15,931 in 2009 has increased to $18,659 in 2010. Below I will share information to assist you with college education financial assistance. Please check out the video above. This information was aired on the Today Show on August 9, 2010.

Scholarship Searches:

Although your searches should normally be done after the first of January, there are still some funds available for college students this year.

Never pay for scholarship searches. Go to http://www.Salliemae.com or http://www.fastweb.com to get scholarship information.

Free Application for Student Assistance:

Most individuals are thinking about attending college, but research shows that only one out of four families have applied for this form. This form is found at http://www.fafsa.ed.gov. When you log onto this site you will see three boxes:

  • #1 Before Beginning a FAFSA
  • #2 Filling out a FAFSA
  • #3 FASA follow-up.

These are all self-explanatory.

It is recommended that if you require financial assistance that you always search out Federal funds first as their interest rages are better and they have better payment programs.

529 Savings Plan:

Parents should check out the 529 Savings Plan early on. Lately, there has been a lot of discussion regarding this program.
In making allocations to this program, as your child is in their teens nearing their college years you will want to allocate 15%, or less, in stocks. Put your contributions into money markets or CD’s only. You can put all of your allocation into these areas if you want.

For information on this program go to http://www.savingforcollege.com. Check out the various items in the “Quick Menu” area on the left-hand side of the page. Start with the “College Savings 101” for a complete understanding of this program.

Other family members can contribute to this program. This plan allows you tax advantages and there is no income limitations. Many people neglect to include this $2,500 tax credit on their income tax forms. This credit is allowed for tuition, books, fees and supplies.

Save Money on Textbooks:

You can save hundreds of dollars on textbooks by renting books or buying used, or older editions of textbooks. You can buy or rent online at:

Also, be sure to check out Amazon’s Textbook Buyback program. Log onto Amazon.com, open an account and check out their textbook buyback department. Enter the name of your textbook to find out how much Amazon will pay you. They will put this money on your account.

Sign up for Amazon’s Student program. This will allow you to unlimited two-day free shipping on textbooks and other items. There is no minimum size order required. With the Student Program you will receive Amazon Prime (a $79 value) free for one year. This program is for students only.

You will save hundreds of dollar buying older editions of textbooks. Be sure to check with your professors first to be certain that these older editions are acceptable.

I hope that the information on College Education Financial Assistance I have included here will be helpful to you.

I wish you much success!

Judy Conway
Email: judyconwaymarketing@gmail.com
Skype ID: judy.conway

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This has been my summer to learn how to conquer yard work.  It has never seemed as difficult as it has been this year …. And I still have two months or more to go!! I started early and decided it was time to trim my hedges.  The plant is known as Variegated Chinese Privet  or Ligustrum sinensis ‘Variegata’.  In just reading about it to be sure I spelled this information correctly it was noted as a fast grower, growing 4-6 feet tall and equal in width.

Hedges to be Trimmed

I would like to add my two cents on this statement. The hedges that I trimmed were at least 12 to 15 feet above my fence!  I trimmed these back to below the fence line and they have already reached a substantial 3 feet above the fence!  I have more of these lovelies (do not get me wrong, they are beautiful bushes/trees) in another area of my front yard and they have grown past my second floor bedroom window.  I think it is fair to say they grow much higher than 6 feet. This pivet would be a welcomed addition to any yard.  It is especially great as it grows in full or partial sun.  However, if you choose this hedge, be sure you own a very aggressive hedge trimmer or you have a good tree saw (or a landscape service)! As my “hedge” had grown to a height of about 15 feet I chose to tackle the project with my trusty tree saw.  These hedges grow many limbs from each plant.  You will want to keep them trimmed back as they tend to get bare on the bottom if you do not. I have 18 of these hedges along the fence in my backyard, each with approximately 6 offshoots.  I hope this gives you the picture of a totally overwhelming project for a 64 year old retired, single grandma!  Needless to say, I have never met a task that I was not willing to tackle and this was not going to be the first time. I did start out with the hedge trimmer, but soon discovered this was too big of a job for that.  So I resorted to my tree saw and worked on cutting each limb.  Now my job was complicated somewhat as I live in Georgia and we are overtaken in the summer by a plant called kudzu.  It has a way of winding its way into your yard and throughout your trees and bushes.  You really have to keep an eye out for it.  I was just reading that kudzu came over from Japan and now covers over 7 million acres of the southeastern United States.   I am blessed with a lot of aggressive plants.

Kudzu Covered House

As I would cut down a limb I would pull it down and put it in a pile.  In some cases the growth was entangled with other branches and this was no easy job.  And then when you throw kudzu into the mix of things it got really hard!  One time I had cut the limb at the bottom and was trying hard to pull it down and the kudsu had tightly wound itself throughout the top of the branch.  I backed up and pulled with all my might and after a few moments it loosened, and then loosened some more and before I knew it I was traveling at a pretty quick pace backwards in my yard.  I hung on for dear life and had visions of what lay behind me.  I was either going to fall just short of my concrete patio, or land in the blackberry bushes around my bird feeders.  With a loud oomph I landed flat on my back just short of the patio. This is where I must tell you, that if you are going to do these tasks, you have to approach them with a sense of humor.  I laid there flat on my back laughing.  Thankfully my yard is quite private and no one had caught sight of my antics.  Laughter truly is the best medicine. Another word of advice I would like to offer is make sure you have your cell phone in your pocket.  You never know when you might need to call for help.  I learned that lesson one year as I was on a ladder cleaning out my gutters and the ladder decided to fall to the ground.  My life crossed before my eyes as I fell to a standing position with the ladder sort of wrapped around my legs.  Other than an increased heart rate and scrapes and bruises I was okay.  But the thought crossed my mind that if I had fallen on the ground and been unable to get up no one would have known I was there.  My family was out of town and would be gone for days.  Hence, my advice about carrying your cell phone at all times. The hedges got trimmed and they have grown back beautifully filling in on the bottom.  No matter how hard I try to keep these under control, it seems to be a full time job.  Before the summer is over they will need trimming again. I have learned a lot about how to conquer yard work this summer.  As this article has become quite lengthy, I will be back shortly to tell you about my bout with poison ivy and a run away lawnmower!  The most important tool you need to conquer yard work is the ability to laugh at yourself.  Heaven knows I will be a stand-up comic by the time this summer draws to a close! Keep Smiling, Judy Email: judyconwaymarketing@gmail.com http://homebusinessinatlanta.com http://beadazzledejewelrycreations.com http://fullservicemarketingtools.com Skype ID:  judy.conway

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Recently my daughter and her husband started on another one of their renovations projects.  This time it is putting laminate flooring throughout their entire upstairs (3 bedrooms, two baths and a hallway).  Being around this type of activity always makes me want to do something creative and gratifying.  The woodworking projects I have found in the Woodworking4home package gives me the incentive and direction to get busy and start building!

This package provides step-by-step plans, photos, diagrams and instructions for  14,000 various woodworking projects including, but not limited to, plans for arbors, beds (headboards, bunk beds cribs and more) dressers, benches, chairs, coffee tables, gazebos, greenhouses, bird feeders, boats, children rooms projects, computer desks, dog houses, pergolas, sheds, playhouses and the list goes on.  This is the most extensive list I have personally come across.

I am a retired, single grandmother and I will be investing in these plans and putting them to use.  With the economy the way it is today, I am always looking for ways to save money and building my own tables, cabinets, etc. will not only be fun, but also help me stretch my social security payments!!

With this Woodworking4Home package you will have instant access to 14,000 plans and projects of high quality that are suitable for beginners.  (This means a lot to me!)  These plans have been tried and tested.

You will also receive free bonuses and free future updates.  This is a one-time charge.  The sale price of $49.00 provides you with a lot of information.  This product also comes with a 100% Money Back Guarantee.  If for any reason the product fails to perform exactly the way it is described to you, you have 60 days to receive a refund with no questions asked.  You basically have nothing to lose.

I hope this information will be helpful to you.  Please stop back and let me know how your projects are coming using this Woodworking4Home package providing you with woodworking projects.

Happy building,

Judy Conway

Email: judyconwaymarketing@gmail.com
http://homebusinessinatlanta.com
http://fullservicemarketingtools.com
http://beadazzledjewelrycreations.com
Skype ID:  judy.conway

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I was introduced to camping when I first got married many years ago.  It was a delightful experience until one occasion when we were camping on Cape Cod and were surprised by an approaching hurricane!

We had returned to using a tent.  A word of advice to people who hang their towels to dry over the frame of the tent … DO NOT do this.  As the wind picked up the towels were blown on top of the tent and this negated the waterproof properties and the rain began pouring inside the tent.  We had suitcases filled with wet clothing and everything else inside the tent was pretty soaked.  It was a long uncomfortable drive back to Providence, RI.  We looked liked pathetic drowned rats when we stopped to get breakfast (take out, of course) at McDonald’s.  At this point I vowed never to go camping again!!  Of course that is not true.  I have since gone camping with my daughter, son-in-law and grandchildren.

Once our daughters were born we changed from “tenting” to a Cox Pop-Up Tent Trailer.  Being off the ground was easier with the children.

You need to develop a system to make life easier when going camping.  A system will save you a lot of time and confusion and help you get on the road without raising your blood pressure!

We had a large basket that perfectly fit between the two fold out beds (with room to spare) where we kept cookware, dishes, silverware and miscellaneous items such as salt and pepper and other items that would keep well left in the camper outdoors. This made our weekly packing a lot easier.

Strip your beds when you are folding up the camper and wash the bedding when you get home and it will be ready for your next trip.  Items that needed more rigorously cleaning was removed and cleaned.  The floor was swept and washed and we were basically ready for our next weekend.  We actually camped almost every weekend.

I would go shopping and slide the food bags and clothing bags right in the camper.  We packed an ice chest in the trunk of the car to hold items that needed to be refrigerated.  My husband got home from work, changed his clothes, hooked up the camper and off we went for another exciting weekend.  At the time we were living in an apartment and we really looked forward to our weekends away.

We camped in many different areas from Cape Cod, to Vermont and Canada.  It was great fun.  We had best friends who had three children that usually packed up their tent camper and went with us.  What a great experience for the children.

There is nothing quite as wonderful as the smell of coffee brewing on the camp stove and breakfast cooking.  The smell of bacon and eggs awakens any sleepy appetite.

Before we purchased our Cox Camper we had a couple occasions to camp with the girls when they were quite young.  I must admit that the tent camper was a lot easier.

As you become proficient at camping you will learn many useful tips.  One time in particular the temperatures were cooler than we had expected.  With the girls in their flannel pajamas, and sleepers we were concerned that they might not be warm enough in their sleeping bags.  An older seasoned camper gentleman told us a wise old tip.  He told us to be sure the girls, or anyone for that matter, are warm to make sure they are wearing socks and eat a candy bar before going to bed.  It worked like a charm every time.

Before you leave on your camping trip check out the park you are planning to go to.  Nowadays, with the internet, it is easy to preselect your desired site, or at least get an idea of where you want to stay.  If you have small children, it is a good idea to plan to stay nearer the bathrooms!  My daughter is a real pro at choosing the “best” site.

Although I personally enjoy just getting away from the everyday rat race and just spending time with my family, you might want to take into consideration activities in the area where you will be camping.  Make a list of “things to do and places to go” and in this way you will be ready to have a lot of fun.

Board games, cards, bubbles, and balls are good things to pack. If camping with older children you may want to make sure the MP3 (or whatever digital sound device you have) is well changed and packed.  By all means do not forget to take sunscreen and bug spray.  Take along a camera (batteries charged/charger to charge) to capture all those special moments.

It is a good idea to make a list of things you will need. The following list will grow as you continue to camp and realize items that you “miss” from home. In addition to those things mentioned above here are a couple of suggestions:

  • Tent/tent camper
  • Sleeping  bags
  • Hammer
  • Towels,
  • First Aid Kit
  • Sunscreen
  • Bug Spray
  • Toiletries
  • Benadryl  (just in case you encounter some poison ivy)
  • Cleaning spray
  • Salt and pepper
  • Cookies and crackers
  • Packages of oatmeal
  • Coffee
  • Coffee French Press (we enjoy the finerthings even when camping!)
  • Marshmallows
  • Candy bars
  • Graham Crackers (anyone for s’mores?)
  • Skewers
  • Cocoa
  • Cereal
  • Citronella candles
  • Table cover (plastic or cloth)
  • Plates, silverware, cups
  • Paper towels
  • Napkins
  • Dish detergent
  • Dishpan to wash dishes
  • Container to carry water
  • Charcoal
  • Lighter Fluid
  • Matches
  • Bathing suits
  • Rain Ponchos
  • Appropriate clothing and  shoes
  • And whatever else you think you will need

With technology being what it is today, you will be able to take a TV, but I would suggest enjoying being away from those types of things that demand your attention at home and just enjoy spending time with your family.

I was amazed at all the new camping equipment that is on the market.  Fancy coffeemakers, and really great collapsible water carriers and double dish washing basins and even portable toilets!!  You can decide for yourselves how rustic you want your experience to be.

I wish you a fun filled camping trip that will supply you with memories for years to come.

Judy Conway

Email:  judyconwaymarketing@gmail.com
http://homebusinessinatlanta.com
http://fullservicemarketingtools.com
http://beadazzledjewelrycreations.com
http://hunterHEPAtechairpurifier.com
http://howtoachievedebtconsolidation.blogspot.com/
Skype ID: judy.conway

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With the state of our economic crisis today, many people are finding it difficult to make ends meet. This is causing an increase in our credit card debt. It is much too easy when you do not have the money in your bank account to charge your various bills. This article is being provided to give you information to show you how how to achieve debt consolidation.

If you have reached the point where you are overwhelmed with your overall debt, consolidation may be the answer. There are many ways you can legally alleviate your debt.

You can find many ways online to achieve your end result. This post will serve to put many options at your fingertips in one location. To find many articles writen by  people with expertise in this area, please visit: http://howtoachievedebtconsolidation.blogspot.com.

The object of this article  is to provide you with information that will lighten your financial burden and give you information to show you how to achieve debt consolidation.

Judy Conway
Email:  judyconwaymarketing@gmail.com
http://fullservicemarketingtools.com
http://homebusinessinatlanta.com
http://beadazzledjewelrycreations.com
Skype ID: judy.conway

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In writing articles we are encouraged to write on subjects we are passionate about.  As I sit here  with my right eye half swollen shut, I am VERY passionate about poison ivy.  I would like to start this article by quoting the saying, “Leaves of three, let them be.” My goal is to provide you with information on the things you should know about poison ivy.

Here is a picture of poison ivy climbing a tree to help you identify the plant that can cause you a great deal of pain and money.  Poison ivy also be a free standing plant.

 

 

Poison Ivy on a Tree

 

 

 

 

 

 

 

 

 

 

 

 

 

 

In my entire 64 years I have never been allergic to poison ivy.  That was until about two years ago.  I was using the weed whacker in my back yard.  I was wearing shorts and upon cutting through numerous poison ivy plants and flinging these pieces of plant up and down my body.Let me tell you I ended up being covered in a severe  poison ivy rash.  I never traveled far from my spray bottle of alcohol.  It took several trips to the doctor, a shot and then a two week regimen on steroids before I began to find comfort.

For this reason, I am extremely careful trimming around this area in my yard.  I was working at eliminating new growth the other day when the end of one of the vines hit me in the face under my eye.  I had gloves on, long pants and a long sleeved shirt and was still attacked by this obtrusive plant.  I instantly came in the house and took off the gloves and put those in the trash, put my clothes in the washing machine and began washing my face and body with cool water. The are various schools of thought on washing to rid the skin area of the urushiol oil that causes the rash.  Some advocate the use of soap and water, while others say the soap just spreads the oil on your skin.

I really thought I had been successful until the next morning when I got up and saw a bright read blotch under my eye.  Before long the blisters appeared.  I am including below some facts on the rash:

The poison ivy rash typically starts one or two days after exposure, though the delay between contact and its onset can be longer, up to several days. This may lead to confusion over where the exposure took place. The first signs of the rash are curved lines of red, itchy bumps or blisters. These continue to appear for many days, depending on how much resin touched the skin at a given point. This makes it seem as though the rash is “spreading,” although the fluid in blisters is just part of the allergic reaction and contains no chemicals or bacteria. It also makes it appear that there may still be poison ivy in clothes and/or on pets. Although this is theoretically possible, repeated washing of these often produces no improvement.

I am thankful that I escaped with only the one area being affected.  Not being able to totally see out of one eye is the biggest inconvenience as I work on the computer.  It was good to read that poison ivy is not contagious, neither from one person to someone else nor from one part of the body to another.

I would like to insert a word of caution here.  Even though you do not make contact with the poison plant yourself, the oil can get on your dog or cat’s fur and they can bring you the gift of this lovely rash without your even knowing it.

The best precaution you can take against this is to be certain you do not have this plant in your yard.  There are a few products that are good at eliminating the plant from your yard all together.  Make sure you read the label to see if it will destroy any of your other plants.  I used the spray a couple of years ago and I eliminated all of my blackberry bushes!

Glyphosate-  The product is sold under the trade names of Roundup, Roundup concentrate and Kleenup. It is applied to the foliage of poison ivy but is trans-located throughout the plant, including the roots. Glyphosate has no soil activity. It will kill or injure all plants contacted by the spray, including grasses. Applications near the foliage of desirable ornamentals should be made with extreme caution. Glyphosate should not be applied when rain is expected within six hours of application because its effectiveness will be reduced. After treatment, the vegetation should not be disturbed for several days. Remember, dead poison ivy still contains poisonous oils and should be handled with care if the soil in a treated area is to be worked. When glyphosate is the active ingredient listed on the label it is identified as Isopropylamine salt of glyphosate.

Amitrole -  Amitrole is sold under the trade names of Amitrol-T, and Weedazol. It is applied to the foliage and is translocated throughout the plant. It is nonselective, therefore it will kill or injure any plants to which it is applied. It also remains active in the soil for several weeks after application, therefore it is important not to use it near other desirable plants. The soil activity also prevents the planting of new vegetation for several weeks.

It should not be used in areas where food crops will be raised or animals grazed. When amitrole is the active ingredient listed on the label, it is identified as 3-Amino-1,2,4-triazole.

2,4-D -  This product is sold under many trade names and is often mixed with 2,4-DP to improve its effectiveness on woody plants. Weed-B-Gon Jet Weeder is a 2,4-D product for use around the house that can be purchased at most lawn and garden centers. It is not the most effective treatment for controlling poison ivy, but it does not kill grass.

I am taking Benadryl and a triple strength antibiotic ointment with pain reliever.  Here are some other suggestions for treatment of the rash:

Once it begins, the rash will usually clear on its own by 14-21 days. Treatment is directed at controlling the itching. Oral antihistamines (like diphenhydramine (Benadryl) may help the itch somewhat, but often they do no more than make people drowsy. Cortisone creams, whether over-the=counter or by prescription, are only helpful if applied right away, before blisters appear, or much later, when the blisters have dried up. Compresses with cool water or Burow’s solution (available without prescription) can help dry the ooze faster.

When the rash is severe, such as when it affects the face or causes extensive blistering, oral steroids (for example, prednisone) can help produce rapid improvement. This course of therapy should be maintained, often in decreasing doses, for 10-14 days or even longer in some cases, to prevent having the rash rebound and become severe again. Patients who are given a six-day pack of cortisone pills often get worse again when they complete it, because the dose was too low and administered for too short a time.

Here are some cases where you may be best to consult your physician. Far more powerful agents are available by prescription for the rash and itching of poison ivy.

Facial or genital involvement. The skin in these areas is easily damaged and scarred, and swelling from rhus dermatitis can be dramatic.

Involvement of large areas of skin. Ten percent of the body’s surface, or about the size of the entire front abdomen.  This is too large of an area to self-treat.

Signs of infection. These include pain and tenderness, growing redness around the rash, or pus. Clear or slightly yellow transparent fluid is common from poison ivy blisters and is not a sign of infection.  Be cautious if you find yourself scratching the rash as dirt and bacteria can be under your nails and cause infection.

Extreme itching. Itching which disturbs sleep or normal daily activities despite using OTC treatments should be treated by a physician.

I hope that you will find this information on poison ivy helpful.  Ideally, I hope that you will never have to use it.  The internet holds a plethora of information on this topic.

Happy gardening and I wish you a summer that is poison ivy rash free!

Judy Conwway

Email:  judyconwaymarketing@gmail.com
http://homebusinessinatlanta.com
http://fullservicemarketingtools.com
http://joinjudyconway.com/bestdealsonline
http://joinjudyconway.com/digitalcameradeals
Skype ID: judy.conway

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Identity theft is an on-going crime that is costing American consumers billions of dollars and unlimited heartache every year. Although you can not entirely control whether you will become a victim, you can take steps to minimize your risk.  Learn how to protect your identity online.

The Federal Trade Commission (FTC), our nation’s consumer protection agency, recommends consumers Deter, Detect and Defend to help decrease identity theft.

To deter these criminals you can safeguard your information.  You can do this by shredding financial documents and paperwork with your information before you throw them away.  Do not be so ready to give out your Social Security number.  Inquire if there is another identifier method you can use. Do not give out personal information over the phone, unless you know who you are talking to.  As them to send you the necessary paperwork and tell them you will complete it and return it to them.

If you are like me, I get a lot of phone calls asking for donations.  I always tell the person who is calling that if they want to send me information on their organization I will look it over and decide if it is something I want to contribute to.  Nine times out of ten I never receive anything in the mail.

Be on your guard and take the necessary steps to detect unusual activity on your accounts.  Set up a schedule to routinely monitor your billing statements.  If you do not receive a statement when you feel you should have, contact your credit card company.

If after being diligent to protect your identity you feel your identity has been compromised take the following steps:

Notify the fraud department of any one of the three consumer reporting companies (Equifax, Experian, TransUnion). Ask them to put a fraud alert on your credit report.  This will alert creditors to contact you before opening any new accounts in your name or making any changes to your existing accounts.  It is only necessary to contact one of these agencies to request an alert.

If you suspect any newly fraudulently opened accounts or tampered accounts take action to close these.

Report these fraudulent actions to the police department where the identity fraud took place.  Submit a copy of the report, or at least the case number on the report , to your creditors and others who require proof of this crime.

The FTC keeps a database of identity theft cases received from law enforcement agencies for investigation.  File your claim with the FTC.

Surfing the Internet is a daily occurrence for an increasing number of people these days, as technology expands and online services continue to grow. Many people go online to carry out banking transactions, shop, check e-mail, and catch up on news. That’s why it’s more important than ever to protect your identity while surfing the web. As identity theft becomes more prevalent, it’s necessary for everyone to be extra vigilant in protecting personal information before it gets into the wrong hands.

Every time you go online and conduct some type of transaction, whether it is monetary or an exchange of information, you put your identity at risk. Unfortunately, criminals use the Internet too, making use of the technology to perpetrate identity theft. This type of cyber-criminal gathers personal information online and either sells it to others for profit, or uses it to their own purpose.

It is fortunate that there are many things you can do to stay one step ahead of these “thieves” and keep your identity as safe as possible. The Internet platform is always changing, so you need to keep on top of things to remain as safe as possible.

To begin with you should learn about how to avoid phishing scams.  Phishers pretend to be trustworthy, actual companies, such as banks and insurance companies, by using false e-mail addresses and websites.  To access their websites people are tricked into giving them personal identifying information, such as passwords and credit card numbers.

The important thing to remember is that real institutions will never ask you to verify your personal information online.  When you receive these types of e-mails, contact the sender immediately over the phone to validate the request.  This way you can provide any necessary information directly to your bank or other company.

Phishers use spam e-mail as a way to obtain your personal passwords and information.  For this reason be sure to have a good spam filter installed on your computer to keep out as much spam as possible.  As the old saying goes, “better safe than sorry.”

While on the issue of software, Windows already contains a basic firewall program, but setting up another program will ensure your safety from hackers,  allow you to control internet traffic and stop intruders from reaching your personal information.

Purchase a high-quality virus protection package.  This can  help prevent and eliminate viruses, Trojan horses, and other dangerous items designed to steal your personal information. It will also scan e-mail and IM attachments for viruses.  It is not enough to stop with just antivirus software.  Go one step further and equip your computer with the most up-to-date anti-spyware protection.  One word of advice, before installing your necessary protection check to be sure that all of your systems are compatible.  This can cause you a great deal of frustration and expense if they are not.  If you are not sure, it is worth a call to your local computer repair shop.

Scam artists are known to intercept e-mails and IMs.  For this reason do not sent any personal information through these methods of communication.

In opening your email, avoid opening suspicious emails or emails from unknown people.  Especially be wary of opening attachments.  I recently watched a “Medium” show on TV where a hacker had hacked into the City Hall’s computer system and sent out emails asking for update voter’s information.  This was the means that was used to accumulate personal identity information.  Might not have actually happened but does make one think.

To prevent ID theft it is advisable to password protect your computers, laptops and PDAs.  Use a different unique user name and password for each item.  Another word of warning, do not use the same user name or password for your accounts or activities online.  If a criminal discovers your user name and password on one account you want it to stop right there.  Use letters, numbers and special characters when creating your passwords.  Be sure your passwords are not “obvious”.

It is a good idea to keep the personal information that you store on your computer to a minimum.  What would happen if your computer was stolen?  I invested in an external hard drive and my personal information is stored there.

A final tip – when you buy a new computer, before disposing of your old computer invest in software know as wipe programs or shredders to overwrite the data with zeroes or random patterns which will make the information on your hard drive virtually unreadable.

I hope that this information will be helpful in helping you to protect your identity online.  Use your common sense and purchase a few good tech tools to assure your safety again these cyber criminals.

Judy Conway
Email: judyconwarymarketing@gmail.com
Skype ID: judy.conway
http://fullservicemarketingtools.com
http://homebusinessinatlanta.com

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The cost of prescriptions is on the rise.  Many people have been laid off and find themselves without health insurance.  This situation necessitates looking for less expensive medications or different means for obtaining them.    Is this uncertain economy, affording health care and medications can be a real challenge.  I hope the tips I offer in this article will help you save money on your medications.

Go Generic – Take a close look at the medications you are taking.  If you are not already taking generic drugs, this is one place you can cut costs.  The cost is the major difference between brand-name and generic drugs.

If you are unsure, check with your physician.  Even when purchasing non-prescription items, if you check the labels you will find the ingredients are the same in store-brand or name-brand items.

Generic drugs can save you up to 90%.  If a generic-brand is not available see if there is a similar drug in the same class that has a generic version available.  As an example, Lipitor a cholesterol drug does not have a generic equivalent but Zocor another statin does.

Cut your pills in half enabling you to cut the costs. Drugs, as a rule, cost the same regardless of the dosage.  If you are taking a dosage of 50 mg ask your doctor to write a script for 100mg allowing you to split the pill in half and get “double” for your money.  You will need to discuss this option with your doctor.

Do your homework – The internet has a wealth of information. You can cut your prescription costs by 70% by shopping online.  Be sure to check with the National Association of Boards of Pharmacies (NABP) at http://www.nabp.net for a list of reputable, recognizable sites.  The sites listed at NABP have earned a Verified Internet Pharmacy Practice Sites (VIPPS) Accreditation.  The U.S. Food and Drug Administration at http://fda.gov/oc/buyonline can also provide advice on buying medications on line.

Order by mail – if you are fortunate to have health insurance, many plans allows you to purchase a 90-day supply at a lower cost than what you would pay at your local pharmacy.  If you choose this method be sure to order your medications two weeks in advance so you do not risk running out.

$4.00 Generic Drugs – Many pharmacies offer a generic $4.00 per month or $10.00 for a 90-day supply for certain generic drugs.  Ask your pharmacy for a list of the drugs they provide on this program.  Here I would like to offer a word of caution.  Just because your doctor is prescribing a generic drug does not mean it is definitely on this program. I personally take Tricor and my doctor wrote me a script for the generic brand.  I was in a state of shock when my pharmacist told me it cost $144.00. for a 90-day supply.  Needless to say, I did not buy those and went through the necessary steps to have the brand-name Tricor sent out from the pharmaceutical manufacturer for zero cost.

Pharmaceutical Assistance Programs – If you have little or no prescription drug coverage, you definitely want to check into this option.

Major pharmaceutical companies provide drugs for free or at a low cost to people who qualify.  You can find more information by going online to the pharmaceutical manufacturer of your drug.  You will find applications on their website that you can print out or request.  You will need to complete the application, get your doctor to fill in his applicable section, provide copies of your last two years of income tax returns,  and social security payment information, if that applies.

There are also companies, such as RX for Less that will take care of submitting your forms for a nominal fee.  If you have the time, filling out these forms and submitting them is not difficult and will help you save the cost of administration services.

If you decide to go directly through your pharmaceutical manufacturer, be sure you mark on your calendar when you will need to request a refill so you do not run out.  This all takes some effort on your part, but the savings are substantial.

I hope that this information will help you save money on medications.

I wish you good health!

Judy Conway

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Pensando... / Thinking...
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A very wise person once anonymously wrote, “Excellence is never an accident; it is always the result of high intention, sincere effort, intelligent direction, skillful execution and the vision to see obstacles.” This statement can serve to stimulate our thoughts. A job well done does not come about out of the blue. Planning and effort have been initiated to achieve the end results.

If we are going on a vacation, the first thing we usually do is plan where we are going, what we will take with us and what exciting things we will do once we get where we are going. I find it unsettling that we put more effort and thought into planning a vacation than we do in planning our lives and future!

How often do we live our lives without a specific destination in mind? This can start at an early age. We graduate high school or college with no concrete plans for a career. This spills over into other areas of our lives. We meet that special someone and we decide to get married. Have we considered the possibility of children? What impact will children have on our careers? How many people just charge ahead without giving any thought to finances, education, and spiritual activities? These things all require planning an intelligent direction with a sincere effort for skillful execution. If we live our lives by just passing through these various phases we probably will not accomplish our goals and dreams.

Most people admit that they could live better lives achieving their full potential if they would do planning.

How often do we find ourselves wandering aimlessly around only performing a less than adequate job because we did not really plan the route to our destination. We might not be inspired by what we are doing. If we intentionally plan our future we will be more apt to fulfill our aspirations.

Our everyday skills of being a successful parent, a good spouse, employee or overall person will take focusing on those items. We will achieve skillful execution of the various aspects of our life by disciplined practice and planning. Writing down goals and tracking our progress can be very beneficial.

Napoleon Hill, in his timeless classic, “Think and Grow Rich,” recommends and promotes the “mastermind” group theory. He describes the mastermind group as any group of like-minded people assembled for the attainment of a worthwhile goal.

Directors are much like a mastermind group giving guidance and direction essential to achieve success in a corporation.  This mastermind group concentrates on an “intelligent direction.” If you are finding it difficult to execute your vision, you need to seek counsel with like-minded people to guide you in reaching your destination.

We can learn to make lemonade when we are given lemons. It takes a visionary to see an obstacle as an opportunity. Hardships serve to build our character and help us become stronger, more focused individuals.

It is our choice whether we want to live lives of mediocrity or excellence.  Planning, high intention, sincere effort, intelligent direction, skillful execution and the vision to see obstacles will be the tools that will bring us excellence!

I wish you a life of excellence!

Judy Conway
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I'm on diet #1
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Who would think that the reason you are not losing weight might be because you are not eating sufficient carbohydrates? (Good ones, of course!)  If you have Metabolism B and are following the Metabolism Miracle eating program it is important that you remember to eat 11 – 20 g net carbs every 5 hours in Step Two.

I hit a plateau on my Metabolism Miracle eating program and was becoming quite frustrated by not losing more weight.  I went over everything I was doing and hit upon the fact that once you have come through Step One on this eating program and you begin introducing carbs back into your diet in Step Two it is imperative to consume six or more carb servings per day. These servings must be 11 – 20 net low-impact carbs .

In Step Two you are allowed to reintroduce specified cereals and grains consisting of cooked oatmeal, cooked barley, brown or wild rice, whole-grain pasta, bulgur and dry cereal with 2 grams of fiber or more.

A greater variety of vegetables and legumes are allowed in Step Two such as corn, beets, peas, sweet potatoes or yams, carrots, kidney beans, lima beans, chickpeas, black and white beans.

Various fruits are reintroduced into your diet in Step Two. I really like fruit so this was a yummy addition to my diet!  On the acceptable list is apples, pears, peaches, plums, nectarines, cherries, natural applesauce, grapefruit, strawberries, blackberries, blueberries, raspberries, grapes, oranges, pineapple cubes, dried apricot halves and bananas.

For those of us who enjoy milk, Step Two has a great addition of fat-free, nonfat, 1%, 2% and skim milk.  You can also enjoy plain yogurt containing 11-20 g net carbs. Fruit-flavored yogurt sweetened with Splenda or sucralose – 11 – 20 g net carbs can be used.   If you like buttermilk you can include that in your diet (11 – 20 g net carbs).  If you are looking for desserts other than jello and flavored ricotta, you can now once again enjoy sugar-free/fat-free pudding (11 – 20 g net carb) and no-sugar-added ice cream products sweetened with Splenda (11 – 20 g net carbs).  I believe Bryers has an ice cream that will fit into this category.

Timing is very critical in Step Two.  It is important that you never go more than five hours without an 11 -20 gram net carbs serving.  You want to keep your metabolism stoked.  If you forget to do this, your liver will over compensate with glycogen.  This will cause stress on your pancreas and cause weight gain.

Step Two is a safe, nutritionally balanced diet that you can stay on as long as you like and continue to lose weight.  Once you have reached your weight goal Step Three details how you can keep weight off for the rest of your life and be healthy in the process.

As the book, The Metabolism Miracle goes into great detail and explanations on the changes taking place in your body, I would greatly suggest purchasing this book.  Mine is never very far away.  It is helpful in making up my menus and shopping lists.  It is a very small investment to make for a healthy body and eliminating the medications I am currently on.

I found that Amazon had a reasonable price for this book.  If you can find other things to put with your order adding up to $25.00 shipping will be free.  Check out the link below.

As always, I wish you great success in your journey to a healthier body.

Judy Conway

Email: judyconwaymarketing@gmail.com

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