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28 | April 25, 2019 | 22nd Century Media lady 22ndcenturymedia.com Tips for tidying up finances StatePoint Media The cultural phenomenon sparked by professional organizing consultant Marie Kondo has motivated millions worldwide to declutter. While cleaning out a closet and making a financial plan may be two very different things, tidying up one’s finances can also “spark joy.” A Certified Financial Planner can help people commit to a plan that helps them take control of their spending, providing them with confidence today and a more secure tomorrow. Here are nine ideas to get started 1. Write down financial goals and post them somewhere prominent, such as the fridge. These can be small goals, like “Bring lunch to work three days a week,” or bigger goals, like “Pay off student loan.” 2. Calculate your net worth to get an overall picture of your financial standing. Your net worth is everything you own minus everything you owe. 3. Update, or create, a budget showing what money is coming in and what’s going out. Make sure it’s not in the red, meaning you’re spending more than you’re earning. 4. Consider opening a Christmas club-type savings account to pay for big-ticket personal expenses. Originally pioneered during the Great Depression, Christmas clubs were financial accounts people added cash to throughout the year. They then used these savings to buy holiday gifts, helping to avoid the holiday spending “hangover.” You can create your own by automating savings each month, ideally in an interest-bearing account. If you save $75 a month, you’ll have $900 over the course of a year — or even more, if you earn interest. 5. Check your credit report. With Credit Karma, you can check your credit reports from TransUnion and Equifax for free weekly. Additionally, you can check your report from each of the three main credit bureaus once a year for free with annualcreditreport.com. 6. Set a deadline to pay off credit cards in full. This will help motivate you to take control of your debt. 7. Rebalance your 401(k) about once a year to see if you are out of balance from your original goals. For example, if your allocation was 60 percent stocks and 40 percent bonds, but stocks had a good year, you might now have a 65 percent stocks and 35 percent bonds allocation, so this will have to be rebalanced. 8. Increase your savings plans. This could be your employer plan at work, your own emergency fund, or both. Consider raising your contribution by 1 percent a year. 9. Meet with a CFP professional. If you haven’t begun planning for retirement or tying your financial goals to your life goals, there’s no better time than now to start. You can find a CFP at letsmakeaplan.org. As you put your belongings in order, consider your finances. Simple measures can help you tidy up your finances. Tips to protect skin from the sun StatePoint Media Think you’re doing enough to protect your skin from the sun? Don’t be so sure. Experts say that many people assume their sun protection routine is sufficient when it’s not. “While summer is an excellent reminder that sun protection is a vital component of health and wellness, it’s actually necessary all year round and under circumstances you may not realize,” said Florida-based dermatologist, Dr. Richard C. Kirkpatrick. Here are a few things to keep in mind • Make-up may not be enough: If your makeup contains SPF 15, don’t assume you’re covered. Luckily, there are sun protection options today that leave a matte finish and won’t mess with your cosmetics routine. For example, an easy-to-apply, clear matte finish layer of broad-spectrum protection under your makeup, such as Ocean Potion Face Zinc SPF 50, will add needed protection while nourishing skin. • Think in all-day terms: Many people mistakenly believe they receive most of their sun exposure from going to the beach. Whether you’re driving and catching rays through the window, or walking the dog in the morning, be mindful that you’re getting sun exposure and take necessary precautions. • Think in all-year terms: Again, summertime does provide a visceral reminder of the importance of sun protection and is an excellent time of year to develop a sun protection habit, but don’t let this be the only time of year you think about protecting skin. Take a cue from the summer you, and apply sun protection all year. • Make it easy: One of the toughest aspects of applying sun protection is remembering to do it. Toss some in your purse or bag. A good portable option is Ocean Potion Dab-On Spot Stick SPF 50, which provides on-thespot broad-spectrum protection in an oil-free formula, and like all Ocean Potion products it is enriched with deep-sea minerals, seaweed, algae extracts, aloe vera, and antioxidant vitamins B, C and E. • Like your choice: Doing the right thing for your skin shouldn’t be a chore or create different skin care issues. So be sure you like your choice of sun protection. Look for options that won’t clog pores, are lightweight and offer easy application. • Take care of yourself and the planet: Oxybenzone and octinoxate are chemical ingredients used in certain sun protection that are considered to be harmful to coral reefs. But you can select a sunscreen like Ocean Potion Sport SPF 50 that’s oxybenzone- and octinoxate-free and not tested on animals, a win-win for you and the planet. With no parabens, PABA, or retinyl palmitate, it offers a lightweight, nongreasy menthol formula. From poolside and beachside bathing to a walk around the block, create a daily sun protection routine that you take with you everywhere you go.
22ndcenturymedia.com lady 22nd Century Media | April 25, 2019 | 29 Get to a healthy weight with Weight No More Weight No More Orland Park is taking a fresh, healthy approach to weight loss and maintenance of healthy weight. Unlike other programs or diets, Weight No More is a medically supervised approach to help individuals get to their ideal weight, and help them stay there. Dr. Susan Rife and her team work with individuals to evaluate their specific health and nutritional needs, using things such as a state-of-the-art body composition analyzer to customize a program to their specific biological needs. “We work with our weight maintenance patients from a sciencebased medical perspective, not from the latest diet or exercise fads,” said Rife, owner of Weight No More Orland Park. “One of biggest advantages of seeing a medical professional for weight loss and maintenance is that we can help you cut through the clutter and confusion of fad diets that seem to pop up every day.” There are other distinct differences to a medical weight loss program, too. Only a medical professional can design a plan for individuals that includes medication, and prepare and clear patients for weight loss surgery should they and their provider decide that surgery would be the best option. Medical professionals also emphasize overall health, rather than strictly weight loss, with a custom-made program for individuals. “There have been vast improvements in safety and efficacy in the past few years in both weight loss medications and surgical techniques,” Rife said. The process is very straightforward, and Weight No More keeps it simple to help individuals stay on track. An initial Introducing Weight No More - Orland Park! MEDICALLY SUPERVISED WEIGHT MANAGEMENT PROGRAMS WITH YOUR HEALTHCARE PROVIDER! visit is a dedicated 30-minute appointment for a patient and his or her medical provider to discuss his or her questions, concerns and goals, and ultimately devise an individualized plan together that suits the patient best. A new patient with Rife also gets an initial physical as part of the first visit, to help the patient’s medical providers understand the patient’s specific needs. “Obesity is a major problem in our country,” Rife said. “And many chronic medical conditions are a result of poor diet and low physical activity.” The medically based Weight No More approach includes advice and counseling on diet and physical activity, and can include medication. In some cases, surgery might even be the best option; however, many studies now show that a reduction of just 10 percent of weight can have a major impact on a person’s health. Weight No More Orland Park, and Rife and Associates Family Health Care, accept most insurances and are open every day except Sunday. Submitted by Rife and Associates Family Health Care, 10755 W. 163rd Place in Orland Park. For more information, call (708) 873-1187, or visit weightnomoreorland park.com. Independently owned and operated since 1999 ARE YOU INTERESTED IN GETTING TO YOUR HEALTHY WEIGHT? Obesity Medicine combines science-based medicine with individualized treatment, for better, healthier outcomes Our system uses some or all of Dr. Rife’s 5-point approach to weight management, including: • Nutrition • Physical Activity • Surgery • Behavior • Medications Start Your Journey to Healthy Weight Today! 10755 W. 163rd Place, Orland Park www.WeightNoMoreOrlandPark.com • www.RifeFamilyMed.com M: 8:30-6:00 • TU: 8:30-6:00 • W: 8:30-7:00 • TH: 8:30-5:00 • FR: 8:30-4:00 • SA: 8:30-12:00 DR. MARK MCKEIGUE • DR. SUSAN RIFE • JOELLE RICKEY, P.A. • LINDSAY GNADE, P.A. • CORY CUNNINGHAM, P.A. • DANIELA JUREVICIUS, P.A. • DALTON SEXTON, P.A. 708.873.1187 WE ARE TRAINED TO TREAT ALL AGES AND BOTH GENDERS • We manage chronic conditions such as diabetes and high blood pressure and perform minor procedures, such as: » Mole Removals » Skin Tags » Pap Smears » IUD Removals WITH NO SPECIALIST APPOINTMENT NEEDED! MOST INSURANCES ACCEPTED ALIGNED WITH YOUR LOCAL HOSPITAL ADVOCATE CHRIST / PALOS / SILVER CROSS
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