Volume 3, Issue 58 | April - May 2018
Eastern North Carolinaâ€™s Magazine for Women
Finding Friends through Fashion
LuLaRoe by Amy Daniels brings local women together for a new kind of retail therapy. â€Ś page 3 PCWJ | April - May 2018 | 1
The Trip of My Dreams : The Bucket List By Maggie Yankov, Greenville, North Carolina, March, 2018 I will be 65 years old this year. I have been a psychotherapist for several decades. If you do the math, you might realize I grew up during the 60’s and 70’s. “Sex, drugs and rock n roll”. Old VW buses, “hippie buses” that rolled across the United States in search of adventure, freedom , and “See America” , before the disillusionment and anger of the Viet Nam War. More accurately, part of the backlash of the Viet Nam War. So much fun, wild and crazy. Did I get to do all of that? Heck no. Too young for Woodstock. Can you imagine? My parents weren’t about that and I wasn’t yet 18. The VW bus was the family Ford LTD. Friends, only a few years older, were living the dream. Out of high school, they were finding ways to see things I only dreamt about. And the classic dream – was to drive across country. It’s so interesting to me that I have a son who is the essential “Travels with Charley” character by John Steinbeck. The wanderlust. The true traveler. Comfortable anywhere, any language, any cuisine. Never comfortable in a classroom, he found his true path when he started to travel. He has never stopped. That love has taken him from an undergraduate degree in tourism at UNCW, and a graduate degree in the same field from Colorado State University, and international travels to Brazil, Australia, Thailand, and western Europe, and all over the United States. This last summer my son asked me to travel across country with him. He was starting a small tour business and
wanted my opinions about his route, the sights, the venues. At first I thought, “No, no , I don’t want to do that.” Then he sprung the punchline…” We’re staying in hostels.” Second thought, “Absolutely no - I really don’t want to do that!” But after children have launched, those invitations can be rare and after awhile the idea infiltrated. Did I really want to live with the riskiest thing I do is drive 45 in a 30? We traveled from Washington, DC to New York City, and Chicago. We stayed in wonderful hostels. I really liked the Chicago hostel. A block away from Michigan Avenue and the lake. So much to see. We travelled the old Route 66 through the Plains and the Old West. We ended up with the canyons, and the California beaches and cities. The San Francisco hostel is right on the bay. Right on the bay. It is glorious, unbelievable. I learned to cook Indian lentil soup with a lovely female traveler my own age. My son and I shared rooms and space with all kinds of international people. Hostels – a great idea. Maybe a European idea that the United States is ready for. If you can’t yet travel internationally, you will definitely meet international travelers in American hostels. What an adventure! So, this graduation season, if you want to give your child a gift that will be a lifetime experience, visit hostel.tours or American Hostel Adventures. And give them the tour of their life. Or take it yourself! Or take it together! Click Hostel.Tours or search AHA American Hostel Adventures.
American Hostel Adventures
2 | April - May 2018
Finding Friends Through Fashion What do science teacher, agricultural worker, and graphic designer have in common? Not much, except they are all jobs Amy Daniels had before she ventured into the very different world of women’s fashion. “My career path has taken me to a lot of places I never would have expected,” says Daniels, 32. Following the birth of their first child in 2013, Amy (a middle school science teacher) and Aron (a graphic designer) quit their jobs in Winston-Salem, NC, and moved to Greenville to be near family. Daniels worked at a local plant nursery until the birth of their second child in 2016. When she decided to return to work, Daniels began working alongside her husband at his graphic design firm. It was around that time that Daniels discovered LuLaRoe. “A friend invited me to participate in an online shopping party, and I was hooked,” she recalls. It didn’t take Daniels long to make the decision to join the clothing revolution by signing up to be an independent retailer with LuLaRoe.
“I was immediately impressed by the amount of positivity the company projected. It’s all about empowering women through fashion. As someone who has rarely enjoyed a retail shopping experience, I was surprised by how much I loved shopping LuLaRoe,” says Daniels. “My body was still recovering from having a baby, but these amazing clothes made me feel beautiful. I was comfortable. I was regaining my confidence. I wanted to share that feeling with other women.” The California-based company started in 2013 and has grown in popularity through home pop-up boutiques and social media sales groups. LuLaRoe is known for its comfortable clothing, which comes in a variety of versatile styles and extensive prints. “Part of the fun of LuLaRoe is that every retailer has a unique collection of pieces. I’m not the only LuLaRoe retailer in Greenville, but no one else has the same pieces that I have,” explains Daniels. LuLaRoe by Amy Daniels offers women a more personal method of shopping. “It’s not a typical retail experience. We are in my living room talking about what’s going on in our lives while we look through the beautiful new prints I got in that week,” says Daniels. “I enjoy getting to know my customers personally. I know their families. Our kids play together. These ladies have become my friends. As a Greenville transplant, I came here not knowing anyone. I’m amazed by the number of friendships I’ve made because of LuLaRoe.” Daniels enjoys how much her business allows her to connect with local women, and her customers seem to enjoy it too. “I love shopping with Amy because it’s a fun, comfortable experience!” says friend and regular shopper Faith Overton. “I have found confidence in myself that I never knew I possessed.” “LuLaRoe is such an inclusive brand,” says Daniels. “The styles are designed to look amazing on women of all shapes and sizes, so I can help ladies from size 0 through size 26. It’s not about hiding your flaws. It’s about finding something you FEEL beautiful in.” Daniels carries multiple styles of dresses, shirts, wraps, and layering pieces, as well as LuLaRoe’s famously soft leggings. “My customers have very different lifestyles, and I really love that I can offer beautiful choices for busy moms, career women, special occasions, and leisure wear. You should be comfortable and feel beautiful no matter what you’re doing,” Daniels explains. Since Daniels started her business, the family home has been turned upside down. Not only are she and her husband raising two energetic little boys, wrangling two dogs, and running a graphic design business from their house—now it is also a boutique. “We’ve made it work,” Daniels says of their home, “though I’ve taken over pretty much every available space and filled it with gorgeous clothes!” Racks of clothes can be found in the living room and children’s closets, and Daniels brings it all out when her customers stop by for a visit. Drop-in shopping hours, home parties, and open houses are Daniels’s favorite ways to serve her customers. In addition to her in-home shopping opportunities, Daniels offers personal shopping appointments and styling sessions. To find out more about LuLaRoe by Amy Daniels events and shopping times, visit her Facebook business page at www.facebook.com/llramydaniels. Daniels can also be reached at firstname.lastname@example.org and 252-558-2396 .
PCWJ | April - May 2018 | 3
A Parent's Glossary of Kids Terms In this edition Amy Daniels writes about the juggling act between running a business and raising a family. This is no small feat, but the rewards of a successful business and a loving family make it well worth it. Speaking of family, I thought I'd share a few humorous definitions about "kid speak," meaning what the child hears and what they think it means. I'm sure we have all heard our own variations from our children.
Serving the Women of Pitt County since 2005
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Emerson Designs, LLC The Pitt County Women’s Journal P.O. Box 2553 Winterville, NC 28590 www.pcwomensjournal.com Published by East Carolina Publishing Co., Inc. Winterville, NC
"Appetizing:" anything advertised on television "Chair:" Spot left vacant by mid-meal bathroom visit "Dessert:" The reason for eating a meal "Floor:" Place for all food not found on lap or chair "Fried Foods:" Gourmet cooking In other fun matters, well-known local psychotherapist Maggie Yankov writes about her travels across America with American Hostel Adventures, a business owned locally by her son Nikola. It's a great concept: a guided tour three weeks across America staying in friendly accommodations that cost much less than expensive hotels. If you are interested, her article and advertisement about the service are on page 2 I bring this up because family vacations are right around the corner. If you have the time and always wanted to see this great country of our's, you might want to check into this unique way to travel. That's it for now. Enjoy the spring. Get outside and move more. Walk, bicycle or just work in your yard. It's great for your health. Until next time, Anna Belousova, Publisher
The Women’s Journals are published bimonthly and are available free of charge, by subscription and are located on display stands in approved private and public establishments and by authorized distributors only. Trademark and U.S. Copyright laws protect The Women’s Journal. No part of this paper can be reproduced without the written permission of the publisher. Original photography and creative content remains the sole property of The Women’s Journal and East Carolina Publishing Co., Inc. The Women’s Journal is not responsible for any editorial content ( other than its own ), typographical errors from advertisements submitted as camera ready or any reproductions of advertisements submitted as camera ready. If an advertisement does not meet our standards of acceptance, we may revise or cancel it at any time, whether or not it has already been acknowledged and/or published. The advertiser assumes sole responsibility for all statements contained in submitted copy and will protect and indemnify The Women’s Journal, its owners, publishers, and employees, against any and all liability loss or expense arising out of claims for libel, unfair trade names, patents, copyrights and property rights, and all violations of the right of privacy or other violations resulting from the publication by this newspaper of its advertising copy.
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Business | PCWJ | April - May 2018 | 5
An Enduring Beautiful Smile
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Dr. Harrington is a Graduate of the ECU School of Dental Medicine, in the very first graduating class! After working with Dr. Michels in the ECU school clinic, Dr. Harrington came to work at Michels & Gauquie full time. He loves performing dental surgeries including grafting and implant placement, enjoys cosmetic dentistry, and is happy to serve patients of all ages.
Dr. Harrington enjoys membership in the American Dental Association, American Academy of Cosmetic Dentistry, the Academy of General Dentistry, and the North Carolina Dental Society. He is a provider of Fast Braces, Invisalign, and trained on several different implant systems. Dr. Harrington is committed to innovating in all areas of dentistry, in order to provide tailored, individual care for each patient that he meets.
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6 | April - May 2018 | Healthy Living
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Simple Strategies to Stay on Trend in Your Garden (BPT) - Life is just better with the perfect accessories, isn't it? A modern space looks amazing with a bright rug and your favorite piece of art. At work, strategically placed plants and family photos breathe life into any cubicle. Accessories enhance your home and add personality. But what about your outdoor living space? A beautiful garden is easy to create and can fit into any size footprint. Gardening with a variety of textures and colors brings an instant wow factor. Best of all, you don't have to commit to a single trend. You can change trends with the seasons, adding bold, colorful new looks throughout the year. This guide will show you how.
SPRING INTO GARDENING SEASON
This is where it all begins, when that first breath of fresh spring air brings life to your garden. Because spring days - especially mornings - can still be frustratingly cold, you'll want to start your garden off with a hardier flower that can withstand the cooler mornings and warm afternoons. Cool Wave Pansies have the resilience you need to keep your garden looking
great throughout the early spring until those warmer temps finally arrive. Planting these durable flowers is easy and they don't require constant care. But what if you don't have a large space? No problem! Add these beautiful blooms to hanging baskets and patio containers to give your outdoor area a simple facelift everyone will notice.
SOLUTIONS FOR SUMMER CELEBRATIONS
Summertime is full of party possibilities, so why not use your garden to make your event the envy of your stylish friends? Wave Petunias are perfect for Mother's Day and the Flying the Flag combination of red, white and blue is a must for the Fourth of July. It's easy to get creative for any event with Wave Petunia's Plug & Play Combos because they make tailoring your garden for any occasion a breeze. This is also a great time of year to branch out and add some fun new twists to your already amazing garden. Fresh herbs and tomatoes, anyone? The Italian Bistro container recipe gives you the best of both worlds - a beautiful patio statement and delicious summer salad, all in one pot.
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8 | April - May 2018 | Home & Family
DELIGHTFUL OPTIONS FOR THE DOG DAYS OF SUMMER
Things are heating up this time of year, but keeping your garden bright and fresh is simple. Bold tropical colors like the Easy Wave South Beach combo and Tidal Wave Red Velour are all heat lovers and easy to maintain. They'll grow quickly to fill out any container or basket, and you can watch it happen from the comfort of your air-conditioned home. For more information and to see examples of trending gardens, visit www.wave-rave.com.
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4 Home Remedies That Will Put More Money In Your Pocket (BPT) - What do you like to do for fun when you have some free time on your hands? Whether it's seeing the latest blockbuster, sampling a delicious entree or taking a road trip, chances are your passions cost money. If you're like many Americans, you may find you don't have quite as many loose dollars, especially when you have to be a responsible adult and take care of all those monthly expenses. Homeowners especially feel the pinch, because utilities and other expenses eat up 11 percent of the average household budget, according to the BLS. Add mortgage payments, and more than a quarter of income is spoken for just to cover housing and related expenses. Savvy homeowners, however, can free up some extra cash for the fun stuff with a few relatively easy and painless home improvements. See if any on this list could reduce your expenses and let you have more dollars for the fun stuff.
1. REDUCE THE JUICE
Anything that lowers monthly electricity use is money in your pocket. For long-term savings, choose options that automatically use less power. LED bulbs are 90 percent more efficient than regular incandescent bulbs, according to EnergyStar.gov. Invest in smart power strips to eliminate the so-called energy vampires. These power strips are designed to cut off the power flow when they sense electronics are no longer in use.
Even better, some newer models, such as the Noritz Tankless EZTR50, are designed to make it much easier and less expensive to replace a conventional 50-gallon tank heater. By eliminating the labor-intensive steps of retrofitting and adding to the gas, vent and watersupply lines connected to the unit, these new tankless water heaters sharply lower installation costs. Although tankless heaters are about the size of a medicine cabinet, these powerful appliances are designed to meet all the hot water needs of an entire house. (That means no more cold showers on busy weekday mornings!) With the right mindset and the right tools, homeowners like you can easily save hundreds of dollars every year on utility costs. If you're interested in learning more, visit www.ezseries.noritz.com.
2. GET SMART WITH THERMOSTAT SETTINGS A smart or programmable thermostat can keep you from heating and cooling the house when you're not home. Try setting your thermostat to maintain the heat at 60 degrees when you're not home, and try 62-65 when asleep. For summer cooling, keep the air conditioner at 85 degrees when away and 80 when asleep.
3. PLUG THE LEAKS
There are other ways to manage your indoor climate besides adjusting the thermostat. Look for places where unwanted heat and cool air are getting in. Poke your head into the crawl space of your house to see if the insulation has settled and needs a top-off. Walk the exterior of your house and look for cracks and gaps that need caulk or weatherstripping. Finally, hanging drapes and blinds, if you don't already have them, and closing them against direct sun on hot days can reduce "energy creep," and give your air conditioner a break.
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4. OPT FOR ENERGY-EFFICIENT APPLIANCES
Appliances break down eventually, and if any of yours are getting close to the end of their life expectancy, be sure and get to know some of the energy-efficient options. Tankless water heaters, for example, last twice as long as standard storage tank heaters, and because they heat water only when it's needed, they use 24-34 percent less energy, according to the U.S. Department of Energy.
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Healthy Living | PCWJ | April - May 2018 | 9
More Than 39,000 Veterans Are Homeless Each Night: How You Can Help (BPT) - There are 18.8 million veterans in the U.S., according to the most recent U.S. Census. More than 9 million are seeking treatment at their local U.S. Department of Veteran Affairs medical center, and more than 39,000 are homeless on any given night, according to the U.S. Department of Housing and Urban Development. There are many ways to help a veteran in need. Below are a few suggestions on how you can make a difference in a veteran's life this year.
TIE YOUR PASSION TO YOUR ACTION.
We all have passions that bring us joy. There are many ways that suit your interests to give back while helping veterans in need. For example, do you like to spend time outdoors? Many organizations host volunteer activities like cleaning a veterans memorial in the community. Are you more of a people person? Give your time to a local veterans facility to connect with a resident in need of company.
REACH OUT TO A VETERAN SERVICE ORGANIZATION TO LEARN MORE.
The American Legion Auxiliary (ALA), The American Legion and Sons of The American Legion are actively involved in veteran causes with local units across the U.S. They offer community through memberships, organize and hold volunteer events throughout the year. As a first step, visit the websites of each organization and look for a unit close to you. Meeting with these organizations or others can kick-start your efforts to get involved with the veteran community.
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DONATE A DAY OF SERVICE.
Everyday life can get messy with full-time jobs and commitments. One way to identify free time for charitable
activities is to use a day off engaging in community service. "Donate" your Memorial Day to help the ALA distribute handmade poppies that support veterans in local hospitals, visit a veterans facility or deliver a meal or care package.
GIVE A GIFT.
Extend your thankfulness to the veteran community by making a gift. Mark your calendar for Nov. 27, 2018, when you can participate in #GivingTuesday, a global giving movement, by making a monetary donation to an organization that dedicates its efforts to helping veterans. Whether you come together as a family, a company, a community or by yourself, a donation can make a real difference. Helping a veteran can be a year-long commitment or a one-day activity. To learn more about how to take the first step, visit www.ALAforVeterans.org.
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10 | April - May 2018 | Healthy Living
Dr. Allison Pass
Heart-Healthy Eating Noel Peterson, MD FACC, FASE | Eastern Cardiology | Greenville, NC | 252-757-3333 Director of Women’s Cardiovascular Disease for ECHI
Heart-healthy eating is an important way to lower your risk for heart disease and stroke. Heart disease is the number one cause of death for American women. Stroke is the number three cause of death. To get the most benefit for your heart, you should choose more fruits, vegetables, and foods with whole grains and healthy protein. You also should eat less food with added sugar, calories, and unhealthy fats. Heart-healthy eating, along with regular exercise or physical activity, can lower your risk for heart disease and stroke. Heart disease is the number one cause of death for American women. Stroke is the number three cause of death for American women.
YOU SHOULD CHOOSE THESE FOODS MOST OF THE TIME:
• Fruits and vegetables. At least half of your plate should be fruits and vegetables. • Whole grains. At least half of your grains should be whole grains. Whole grains include: • whole wheat • whole oats • oatmeal • whole-grain corn • brown rice • wild rice • whole rye • whole-grain barley • buckwheat • bulgur • millet • sorghum • Fat-free or low-fat dairy products. These include milk, calcium-fortified soy drinks (soy milk), cheese, yogurt, and other milk products. • Seafood, skinless poultry, lean meats, beans, eggs, and unsalted nuts.
YOU SHOULD LIMIT:
SATURATED FATS. Saturated fat is usually in pizza, ice cream, fried chicken, many cakes and cookies, bacon, and hamburgers. Check the Nutrition Facts label for saturated fat. Less than 10% of your daily calories should be from saturated fats.
TRANS FATS. These are found mainly in commercially prepared baked goods, snack foods, fried foods, and margarine. The Food and Drug Administration is taking action to remove artificial trans fats from our food supply because of their risk to heart health. Check the Nutrition Facts label and choose foods with no trans fats as much as possible. CHOLESTEROL. Cholesterol is found in foods made from animals, such as bacon, whole milk, cheese made from whole milk, ice cream, full-fat frozen yogurt, and eggs. Fruits and vegetables do not contain cholesterol. Eggs are a major source of dietary cholesterol for Americans, but studies show that eating one egg a day does not increase the risk for heart disease in healthy people.2 You should eat less than 300 milligrams of cholesterol per day. Check the Nutrition Facts label for cholesterol. Foods with 20% or more of the “Daily Value” of cholesterol are high in cholesterol. SODIUM. Sodium is found in salt, but most of the sodium we eat does not come from salt that we add while cooking or at the table. Most of our sodium comes from breads and rolls, cold cuts, pizza, hot dogs, cheese, pasta dishes, and condiments (like ketchup and mustard). Limit your daily sodium to less than 2,300 milligrams (equal to a teaspoon), unless your doctor says something else. Check the Nutrition Facts label for sodium. Foods with 20% or more of the “Daily Value” of sodium are high in sodium. ADDED SUGARS. Foods like fruit and dairy products naturally contain sugar. But you should limit foods that contain added sugars. These include sodas, sports drinks, cake, candy, and ice cream. Check the Nutrition Facts label for added sugars and limit the how much food you eat with added sugars. Look for these other names for sugar in the list of ingredients:
• Corn syrup • Corn sweetener • Fructose • Glucose • Sucrose • Dextrose • Lactose • Maltose • Honey • Molasses • Raw sugar • Invert sugar • Syrup • Caramel • Fruit juice concentrates
HOW DOES CHOLESTEROL IN FOOD AFFECT MY HEART?
Cholesterol is a waxy, fat-like substance made by your body. It also is found in foods made from animals, like meat and dairy. Fruits and vegetables do not contain cholesterol. There are two types of cholesterol: HDL, or “good” cholesterol, and LDL, or “bad” cholesterol. Higher levels of total cholesterol and LDL or “bad” cholesterol raise your risk for heart disease. Almost half of American women have high or borderline high cholesterol. You can lower your cholesterol and LDL or “bad” cholesterol by: Trying to eat or drink less than 300 milligrams of cholesterol each day. For comparison, a fast food double-patty plain cheeseburger has about 100 milligrams of cholesterol. PCWJ | April - May 2018 | 11
Cooking Inspiration For Warm Weather Months strawberries you buy may have just come off the plant that very morning. Stock up on fresh, nutritious foods for snacking and cooking. You may even discover new produce you've never had before!
(BPT) - Are you in a cooking rut? If you find yourself making the same things over and over again, it's time for some fresh inspiration. As seasons turn, you might crave different types of food. This is the perfect reason to think beyond the ordinary and experiment with new flavors. We asked registered dietitian and nutritionist Dawn Jackson Blatner for her favorite tips to help breathe new life into your weekly meal lineup without compromising taste and nutrition. Eat fresh: Farm-to-table is big at restaurants, and your local farmers market offers a bounty of fresh fare that's likely plucked within miles of your home. Visit and enjoy exploring the colorful fare for sale while gaining inspiration for your next dish. The sweet peas and
Get crackin': Let's face it; we're all strapped for time these days, which is why it's important to keep your kitchen stocked with food items that are versatile and quick cooking. Look no further than eggs! Whether they're the center of your meal, or used in a recipe to thicken, glaze or garnish, this modest kitchen staple is a high-quality protein source that will brighten up any dish. But, not all eggs are created equal. For delicious dishes packed with extra nutrients, I always recommend Eggland's Best eggs since they are the only eggs with 25 percent less saturated fat, more than double the omega3s, 10 times more vitamin E, and more than double the amount of vitamin B12 of ordinary eggs. Eggland's Best even has hard-cooked peeled eggs with all the same nutrition plus the convenience of not having to hard boil the eggs yourself if you're really in a hurry! Meal mix-ups: Chicken and waffles might be the classic example of blending two meal-specific foods into one super delightful dish, but meal mix-ups don't stop there. Have fun experimenting to find combos that tantalize the taste buds. Steak and Egg Hash for dinner? Yum. Whole wheat pancakes instead of tortillas when making wraps? Sure! The sky is the limit. Grill or steam: When the weather warms up, you probably want to turn the oven off and skip the stovetop frying. To lighten food and maintain freshness, try grilling or steaming. For example, when you grill meat, it allows the fat to drip off while touches of char bring out earthy notes. Steaming is a simple approach that is ideal for produce because it cooks while allowing your foods to maintain their distinct flavor profiles.
Local inspiration: Iconic local ingredients can be the perfect way to add pizzazz to your meals. From Swedish meatballs in Minnesota and Philly cheesesteak in Philadelphia, to Jersey tomatoes and Michigan blueberries, there's endless inspiration for redefining dishes. While experimenting, consider submitting your recipe for Eggland's Best 2018 'America's Best Recipe' Contest. You could win $10,000! From now until April 30, Eggland's Best is searching for the most passionate egg fan with the best and most creative original egg recipe. Think your hometown recipe has what it takes to be America's Best Recipe? Submit a recipe inspired by your favorite local/state ingredient or dish for the chance to win great prizes, including the grand prize of $10,000! Enter now at www.americasbestrecipe.com.
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12 | April - May 2018 | Healthy Living
For inspiration, check out a 2016 America's Best Recipe Contest winning recipe for Watercress Confetti Quinoa at www.egglandsbest.com.
An Underutilized Retirement Strategy 5. USING YOUR LOAN
The loan servicer will generally disburse funds via direct deposit or mail on the first business day of the month, following the funding of the loan. The borrower can live in the home as long as they like without making monthly mortgage payments, as long as they continue to pay property taxes and insurance on the home, maintain it in good condition and comply with any other loan terms. (BPT) - Across the nation, thousands of seniors have used a Home Equity Conversion Mortgage (HECM), commonly called a reverse mortgage loan, as a savvy way to access the equity in their homes as part of their retirement strategy. Those who are interested in a reverse mortgage loan should know that there are six main phases to the process: 1) educating and qualifying, 2) counseling, 3) approval, 4) funding, 5) using and 6) settling.
6. SETTLING YOUR LOAN
Once qualified, borrowers are referred to reverse mortgage counseling, an important consumer safeguard mandated by the government. During counseling, a HUD-approved HECM counselor reviews the borrower's needs and circumstances. They consider how the funds might best be distributed, the financial and tax implications, and whether a HECM is right for them. If so, an application is submitted to the lender.
1. EDUCATING & QUALIFYING
Next, the property will be appraised, and after that the approval process will begin. Before closing on the loan, borrowers will choose between several loan disbursement options, from taking it all out in a lump sum, receiving fixed monthly payments, opening a line of credit or any combination.
"Once the lender has determined that the borrower is eligible, they work closely with them to shape the loan so it fits their needs," says Paul Fiore, Chief Sales Officer for American Advisors Group, the leading reverse mortgage lender in the nation. "At AAG, this is a highly personalized process designed to give the borrower the best outcome for their financial situation."
The HECM process begins by contacting an FHA-approved lender who will review the borrower's situation, educate them on the HECM program, and determine if they would likely qualify for a reverse mortgage loan.
After the closing papers are signed, the homeowner has three business days to change their mind and cancel the loan (except if the loan is being used to purchase a new home). After the rescission period has passed, the funds are ready to be paid out through the payment option selected, subject to an initial disbursement limit that is determined by HUD.
If the last surviving borrower sells or transfers the property, passes away, or does not use the property as a principal residence for more than 12 months, the loan has reached a "maturity event," meaning that the loan comes due and no further funds can be disbursed. Borrowers also have the option of paying off their loan in full at any time without penalty. Following a maturity event, an appraisal will be ordered by the loan servicer to determine the property's current market value. The heirs can sell the property to repay the loan, or purchase the property for 95 percent of its appraised value. Since HECMs are non-recourse loans, the proceeds from the sale of the home are the only asset that can be taken to pay the loan's balance, even if the loan amount exceeds the value of the home. A home equity conversion mortgage can be shaped to fit an individual's needs. With new consumer safeguards in place, many seniors are discovering that it is an important part of their retirement strategy.
L' Académie De Danse Home & Family | PCWJ | April - May 2018 | 13
5 Simple Things You Can Do To Promote Literacy At Home & Beyond Society as a whole pays a high price for low literacy. It costs the U.S. at least $225 billion each year in non-productivity in the workforce, crime and loss of tax revenue due to unemployment, according to the National Council for Adult Learning. Here's the good news: this problem does have a solution. Having books in the home has been proven to improve children's reading performance, cause them to read more frequently and for longer lengths of time, and improve overall attitudes toward learning. (BPT) - What was your favorite childhood book? Chances are, you can come up with a title right away. That's because books create powerful memories of stories and characters that inspire kids' imaginations and will be treasured for a lifetime. Unfortunately, some children grow up with limited access to books, meaning they're unable to create those memories so many people take for granted. A lack of books in the home is also linked to lower reading scores and less success in school, according to research by the Family and Community Engagement Research Compendium. Even more concerning, an Annie E. Casey Foundation report found students who can't read proficiently by third grade are four times more likely to leave school without a diploma than proficient readers.
It's clear that promoting literacy in your home and in your community are worthwhile investments of your time and money. Wondering where to start? Build reading into the routine: When the kids are small, it's easy for many parents to create the nightly ritual of story time. Don't stop just because they've started school and are reading on their own. Commit to sitting down every night to read together. Or, make reading into an event the whole family can enjoy by reading a chapter book out loud. When the kids see you reading books too, you set a great example. Ask questions: Asking children questions while you read together helps them develop critical thinking skills. For example, you might ask, "How is the family in this book like our family?" or "The girl in this book likes to swim. What do you like to do?" You can also inspire others to read by entering a Pizza Hut sweepstakes for the chance to win a trip that will bring your favorite book to life. Go to Instagram or Twitter and share the title of your favorite book, and why it touched your life. Be sure to tag @PizzaHut in your post and use the hashtag #HelpStartANewChapter #sweepstakes to enter.
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14 | April - May 2018 | Home & Family
Marrying Households: 7 Savvy Moving Tips for Newlyweds (BPT) - If you're planning a wedding or you've just tied the knot, congratulations! Getting ready to start the next chapter of your life with the one you love can be an exciting time, filled with anticipation about your future together. That said, combining two households can take considerable planning and preparation, especially if both parties own troves of treasured possessions. As you are getting ready to make the transition into a single house or apartment, consider how the following suggestions may make your move easier. • Pare down possessions. After unwrapping your wedding gifts, take an objective look at your collective furniture, household goods, clothing and other items. Where do you see duplicates? Whose décor are you more likely to use? Are those old clothes you've had since high school really worth keeping? Now is the time to be generous in donating unneeded items to a local charity (or selling them on Craigslist). • Nix the shopping blitz. Although those wedding checks and gift cards are burning a hole in your pocket, postpone your purchases until after you move so you don't end up needlessly hauling them to your next locale.
• Party on. Inviting friends and family to help you with your move can be a win-win for all; many hands make light work when it comes to loading and unloading your truck, and you can offer incentives by springing for pizza and beverages at your new home afterward. • DIY on the moving. Rather than shelling out a small fortune hiring a moving company, simply rent a truck that you can drive without a commercial license. As a rule of thumb, seek 150 cubic feet of space for the furnishings of each room in your present house; that means a 12- or 16-foot Penske rental truck should accommodate the contents of a small apartment or condo. Remember to reserve your truck at least two weeks ahead, and ask for the discounts provided to AAA members and military personnel. • Invest in packing supplies. This is not the time to skimp by using flimsy containers, newspapers and cheap tape to pack up your treasured belongings. Save yourself time and frustration later by picking up sturdy boxes, labels, tape and bubble wrap from your truck rental store so you can ensure everything arrives at its destination safe, unbroken and easy to unpack.
• Learn how to load. Apply logistical strategy to filling up your moving truck, perhaps by following the guidelines offered by Penske's Truck Wizard. In general, heavier items should go in the back of the truck, with lighter items in front and on top. • Practice makes perfect. Driving a moving truck isn't difficult, but it's definitely different from driving a car or pick-up. Take time to familiarize yourself with those differences; for example, you must use your mirrors to navigate turns, you should avoid sudden stops or lane changes and give yourself extra time. Need more information about the advantages of renting your own moving truck? Check out PenskeTruckRental.com for details.
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1912 E. Firetower Rd. Greenville, NC 27858 Home & Family | PCWJ | April - May 2018 | 15
5 Ingredients For A Perfect Family Vacation 1. Be on the lookout for "firsts." Parenting is a series of
(BPT) - It's hard to believe it, but the kids who were labeled "millennials" have all grown up and started their own families. As this next generation enters the realm of parenthood, many will be thinking about what they want to do and where they want to go for their family vacation. Needless to say, for a young family planning a vacation, things will be a little different than when mom and dad traveled. Now it's all about the kids, and making memories together. For those who are looking to get away with the family this year, here are some essential ingredients for making a memorable vacation.
milestones and firsts: first steps, first words, first day of school. When you and your family step off the plane or out of the car, get ready, because there's going to be a whole lot of firsts, and it might be a little overwhelming! Travel to a destination like Myrtle Beach, South Carolina, where from the first step into the ocean to watching dolphins jump through the waves, you can expect some unforgettableÂ moments.
2. Come as you are. When
deciding where to go, pick someplace you can be yourself, where you can relax, experience something new and let the kids be kids. Leave everything else at home and enjoy the easy, laid-back beach-loving lifestyle. South Carolina's iconic Myrtle Beach boasts over 60 miles of sandy beach, boardwalks, amusement parks and over 1,800 restaurants. With so much to offer, all you need to do is show up!
16 | April - May 2018
3. Playing is learning. Parents know that their kids learn best when they're at play. Vacations are a fantastic opportunity for learning through play. Minutes away from the ocean at Myrtle Beach is WonderWorks, an amusement park with over 50,000 square feet of entertainment and education, what they call "edu-tainment." Here kids can learn about natural disasters, space exploration, art, and tire themselves out playing laser tag, tackling an indoor ropes course and much more. 4. Take a day to go explore. Many parents find that one of the truly rewarding parts of traveling with young kids is that their sense of wonder and discovery is contagious. If you found a beautiful beach-side resort, it can be hard to leave. Take even a half day to explore nearby natural wonders, such as those found at Huntington Beach State Park, and you'll be rewarded with thousands of secluded acres for you and your family to explore. 5. Enjoy the little things. No matter how well
you plan, it's impossible to anticipate all of the small, intimate moments that make a vacation so memorable. Whether it's a perfect sunset, a newly built sand castle or a bucket full of sand dollars, there are hundreds of little details that await, so be ready! You can choose whatever ingredients you want to put into your next family vacation - sunshine, blue sky, an ocean, sand beaches, plenty of diversions. It only takes a few of these to make memories that will last a lifetime.
These Health Benefits of Salt Might Surprise You (BPT) - World Salt Awareness Week is being celebrated this year from March 12 to 18 and is the perfect opportunity to recognize all the many benefits of salt. Salt, or sodium chloride, is essential for life. In fact, no mineral is more essential to human survival than sodium because it allows nerves to send and receive electrical impulses, helps your muscles stay strong and keeps your cells and brain functioning. However, sodium chloride (salt) is a nutrient that the body cannot produce, and therefore it must be consumed. The other component of salt, chloride, is also essential to survival and good health. It preserves acid-base balance in the body, aids potassium absorption, improves the ability of the blood to move harmful carbon dioxide from tissues out to the lungs and most importantly, supplies the crucial stomach acids required to break down and digest the foods we eat. Because the level of salt consumption is so stable, it is an ideal medium to fortify with other essential nutrients such as iodine. Iodized salt was first produced in the U.S. in 1924 and is now used by 75 percent of the world's population to protect against intellectual disability due to Iodine Deficiency Disorders (IDD). Iodine is an essential element in healthy human life, enabling the function of thyroid glands to produce needed hormones for proper metabolism. When children in the womb don't get enough iodine from their mother, fetal brain development may be impaired. Iodized salt remains one of the greatest public health success stories. Salt is also essential in hospital IV saline, which is standard therapy and the fastest way to deliver fluids and medications throughout the body. This saline drip doesn't just keep patients hydrated, it delivers a 0.9 percent solution of salt. Without this saline drip, patients can end up with low levels of sodium in the blood, resulting in a condition known as hyponatremia. This serious condition can lead to seizures, coma,
permanent brain damage, respiratory arrest and death, and it is why the shortage of saline in hospitals is of such critical importance. Salt is also a vital component of hydration. After exercise, it is critical to replace both water and salt lost through perspiration. That is why all athletes make sure they are consuming sufficient salt during and after a workout. The average American eats about 3,400 mg per day of sodium, according to The National Health and Nutrition Examination Survey, and this may be on the low side of the safe range. A 2014 study, published in the New England Journal of Medicine, tested sodium consumption in more than 100,000 people in 18 countries. The study found that the healthy range for sodium consumption was between 3,000 and 5,000 mg per day.
Seniors can be especially susceptible to the dangers of lowsalt diets. In 2013 a task force of 12 professional medical, nursing and nutritional organizations assembled by the Pioneer Network published the "New Dining Practice Standards." Their report concluded that low-salt diets were contributing to malnutrition and weight loss among a significant percentage of seniors in assisted living facilities. Low-salt diets can also cause seniors to suffer from mild hyponatremia, an electrolyte imbalance in the blood that can lead directly to walking impairment, attention deficits and a much higher frequency of falls. Salt is the flavor of life, and this year we should all recognize its many benefits while we celebrate World Salt Awareness Week. To learn more visit www.worldsaltawarenessweek.org.
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Healthy Living | PCWJ | April - May 2018 | 17
This is Me
By Ronita “RaDiva” Stanford” CHP The first kind of color of temporary color, generally just coating the outside of the hair shaft making just a physical change and not chemical. Usually found in rinses, gels, shampoos, or even mousses, temporary color lasts until hair is shampooed. No mixing or patch test is required. This is not always effective for covering gray hair, and colors will not show up on dark hair.
This is Me, Naturally beautiful & loving me, are you loving you? I sure hope you are, as we transition to the spring season. A lot of ladies expresses their desire to enhance their existing haircolor, cover up or blend grey hair, or the need to color their hair a lot due to recurring grey hair or even just want a change. Yet not properly knowing how to color your hair can cause damage like dryness, brittleness, fragile ends and even breakage. So let's explore the five different types of haircolors and how to carefully apply & maintain the hair with color.
Semi Permanent hair color is made to last through several shampoos, depending on how often the hair is cleansed and the hair's porosity. This normally about 4-6 weeks. This coats the hair shaft as well as stains the cuticle layer. It does require a patch test due to some of the same dyes that are in permanent dyes. Semi’s does not lighten the hair, and don't require a lot of maintenance. Traditional semi permanent colors used right out of the bottle are not as effective for covering gray. Demi Permanent hair color, meanwhile, is known as a "deposit only" hair color. It does not lift the hair, only deposits color. This requires mixing of a low-volume developer and a patch test before application. This product lasts in the hair longer and fades less over time. It is a milder color formula, but that does not mean it is less damaging to the hair if used improperly. Permanent hair color is known as a single process color, for it can lighten
and deposit color at the same time. It is usually mixed with a higher volume developer. Permanent hair color is used to cover grey hair. This product does cause a permanent change to the hair, and can not be easily shampooed out. It requires a patch test and more careful application and care when applied to the hair.
Lastly is natural and metallic hair colors, common
"home use" colors not usually added in a salon. Natural or vegetable dyes, like henna and bigen, are natural colors derived from leaves or barks of plants. They just deposit color and do not lighten the natural hair color. Pure henna comes in clear, black, chestnut, and auburn tones.
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18 | April - May 2018 | Home & Family
Maintaining hair coloring requires special care, and love, using color-safe & moisture rich shampoos and conditioners. Keep the hair healhy and hyrdated by drinking plenty of water. Salon services to rebuild the hair are advised when using permanent colors or if the hair is damaged before or during any color process. I hopes this article helps you understand the difference and how to care for you beautiful natural hair.
This has been another “This Is Me, Natural Hair & Health Moment by Ronita “RaDiva” Stanford “This is Me, Naturally Beautiful & Loving It” Licensed NHC Specialist, Cosmetologist, Trichologist & Licensed NH Teacher, Certified Hair and Holistic Health Practitioner. For questions or comments email thisismenaturalhairhealth @gmail.com or call (252) 364-2904
PCWJ | April - May 2018 | 19
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Offer expires May 31, 2018. Not valid with any other offer. Must present coupon at time of purchase.
Offer expires May 31, 2018. Not valid with any other offer. Must present coupon at time of purchase.
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20 | April - May 2018
Free, bimonthly publication with articles of interest for women in Eastern North Carolina, including Greenville, Kinston and Washington
Published on Apr 14, 2018
Free, bimonthly publication with articles of interest for women in Eastern North Carolina, including Greenville, Kinston and Washington