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Gail Finnegan

Gail Finnegan

Long & Foster Real Estate Inc.
Staunton, VA 24401
Real Estate Agent

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Helpful Real Estate Info!

Take a minute to enjoy the helpful info provided on this feed.  Let me know if I can be of help!


In the Dark About Household Finances?

In many couple situations, the task of handling various financial chores fall on one specific person. But that doesn't - and certainly shouldn't - mean that only one person should know what's going on with the household bills, expenses, and credit accounts.

According to a recent report from The Consumer Financial Protection Bureau (CFPB), if responsibilities unexpectedly shift due to a sudden illness or loss of a spouse, getting up to speed quickly could be challenging
for the person least familiar with handling family finances.

Without the help of the person who has always handled the money, CFPB blogger Erin Scheithe says the one left in charge will face major headaches. Scheithe offers the following insights:

- Schedule time for you and your spouse to go over your financial picture. Start by taking an inventory of your family finances: income, expenses, debt, and investments, if any. It’s good to get in the habit of sharing this every so often as your financial picture changes or so it stays fresh in your mind.

- Maintain a list of account information and store it in a secure location. Make sure you both have access to online accounts. Create a list that includes account numbers, usernames, security questions, and passwords. There are many options available for securely saving the list digitally or printing it and storing it in a locked fireproof box. Remember to tell your spouse how to access the file and update it when necessary.

- Have a plan. Make sure to plan for what will happen and who will manage your finances if one or both of you become ill or die unexpectedly. Consider creating a durable power of attorney so you will have someone in place to pay your bills or make financial decisions if you can no longer do it on your own.

Losing your spouse is challenging on its own Scheithe says, and that stress multiplies if you find you are in the dark about your family finances.

Published with permission from RISMedia.

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8 Tips to Kick Off the New School Year

Prepping your family for back to school? Are you and your kids ready for the new school year? To help ease stress, USAGov offers these eight tips.

Don't skip the shots. Your pediatrician can tell you which vaccinations your kids need each year. Check if your family qualifies for low-cost or free vaccines.

Shop the sales. Some states have sales tax holidays in August for clothes and school supplies. Take advantage of the deals and save money.

Get smart about smart phones. Talk to your kids about cyberbullying, appropriate phone behavior, and staying safe online.

Be on track for college. Advise your middle or high schooler to prepare for higher education through their classes, extracurricular activities, and even chores at home.

Beat the after-school blues. Encourage your kids to get involved in extracurricular activities at school or in the community. Learn how to find quality after-school child care in your area.

Discuss drug abuse. While painkiller use is down among teens, vaping has become popular. Talk about the harmful effects of e-cigarettes and other drugs with your children.

Nurture nutritious eating. Your children may be entitled to free or reduced-price breakfasts and lunches at school. Find out if they're eligible and how to apply.Ditch the stress. Students can worry about grades, friends, bullying, or changing schools. Help your kids respond to stress in healthy ways.

Source: USAGov

Published with permission from RISMedia.

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5 Tips for Snagging More Steps

Did you know, people who take fewer than 5,000 steps every day are considered to be sedentary or inactive? The ideal number of steps to hit in a day for optimum health is 10,000 - but this can be hard for those of us with desk jobs. Below are a few tips to stretch your steps.

Hit the stairs. This is one of the easiest tricks. Opt for the stairs over an elevator whenever possible.

Park further away. While it may seem great to grab a parking spot right by the entrance to your destination, purposely parking across the lot--or even better, across the street - means you will grab some steps en route.

Make a walking date. Instead of sitting down with a friend for coffee, go and hit the park instead. Walking and talking often makes for a more stimulating experience, anyway.

Get a dog. It may seem extreme to get a dog just to up your daily steps, but dogs bring so much joy to their owners lives, in addition to helping them become more active. If you have time in your schedule to care for a pup, consider adopting a rescue and watch your steps soar.

Drink tons of water. Why does this trick work? Improved hydration means more trips throughout the day to the restroom! Bonus: being properly hydrated has a myriad of other health benefits, too.

Published with permission from RISMedia.

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Gail Finnegan | 540-294-8636 | Contact Me
16 Gosnell Crossing, Suite 102 - Staunton, VA 24401
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