Consumers Can Shop Smart and Save This Back-to-School Season

Columbus, Ohio (July 27, 2017) Even though summer has just begun, pretty soon it’ll be time to focus on the school year ahead, and if your family is like most, you’re already thinking about purchasing school supplies for the upcoming year.

Back-to-school shopping is the second-largest consumer spending category after holiday shopping, according to statistics from the National Retail Federation and Research Now. An additional survey, conducted by Deloitte, found that 32 percent of families expect to spend more on school supplies this coming year, either because their children need more items, materials are increasing in price, or students need more expensive supplies.

Back-to-school expenses seem to climb every year and can be a strain on family budgets. In a 2016 survey conducted by the National Retail Federation, back-to-school spending has increased 55 percent over the past 10 years, with the average family spending $107.76 on school supplies. Combined with other expenses, such as clothing and accessories, electronics, and shoes, a family could end up spending an average of $674 on back-to-school shopping.

Despite rising costs, back-to-school shopping doesn’t have to be a budget-buster. A little pre-planning and early shopping can help you avoid extra spending. Nationally, 73 percent of back-to-school shoppers plan to shop a month to three weeks before the start of school.

Here are some ways you can shop smart during the back-to-school season:

Timing Matters: Look for end-of-summer sales and tax-free holidays, especially on big ticket items where you’ll really feel the savings. In Ohio, the tax-free holiday starts on Friday, Aug. 4, 2017, at 12:00 a.m. and ends Sunday, Aug. 6, 2017, at 11:59 p.m. To learn more about this tax-free holiday weekend, visit the Ohio Department of Taxation website.

Plan Ahead: Before making new purchases, take an inventory of supplies you already have around the house. From there, make a list of items still needed. Two-thirds of consumers are likely to buy more than what is on their list, so be sure to stick to your shopping plan.

Avoid Fancy Supplies: Instead of spending money on the brightest, shiniest, and glitteriest supplies with a licensed logo, which adds to the cost, make them “Do It Yourself” art projects for your kids to decorate.

Use Technology to Bring Deals to Your Inbox: Let technology save you money by doing an online coupon search, monitor your favorite stores’ social media accounts to get advance notice of sales, and sign up for coupon links.

Stock Up: If you see a good deal on supplies you know will be an ongoing need, stock up so you’re ready when something runs out, gets lost, or breaks.

To learn about credit unions in your community and how they can help you plan for the back-to-school season, visit www.aSmarterChoice.org.

Source: Kimberly Stewart • Manager, Public Relations
Ohio Credit Union League
10 W. Broad St., Suite 1100 • Columbus, OH 43215
T: 800-486-2917, ext. 248 • D: 614-923-9748
www.OhioCreditUnions.org

Compliment Your Weight Loss Goals

Adding Laser Therapy To Your Weight Loss Goals Will Compliment Your Efforts

Losing weight for many women can be extremely difficult. Between fad diets, starvation, and diet pills, you probably have tried just about anything to drop those extra pounds. When none of your efforts work, you feel lost and your efforts are hopeless. You don’t know where to turn.

But what if being overweight was not entirely your fault? Are you focused on proper weight issues that need to be addressed? Are you eating the right foods? Or are you eating what society tells us are the right foods? Do you get enough sleep? Are you addicted to sugar? Do you suffer from stress? Many women focus on diet products, calories, and fat that they lose sight on the big picture. Weight issues are not always about food alone.

It is time we open up the energy channels and allow the body’s natural flow to occur. By stimulating certain pressure points on the body, you can be on your way to achieving your weight loss challenge once and for all. Laser therapy is the practice of delivering energy to acupuncture points located all over the body. Points are targeted to encourage feelings of relaxation, which can help eliminate stress and allow you to sleep better; points of addiction, which helps eliminate sugar from your diet with minimal withdrawal. Points are treated to stimulate the metabolism which enables the body to burn more calories at an accelerated rate and increase your sense of energy. Other pressure points treated include appetite control, food cravings, detoxification and much more.

When the body’s natural energy can flow properly, we are able to focus on proper nutrition making the process of weight loss more successful. Low-level laser therapy, along with proper nutrition and exercise is a perfect combination.

To find out more about our LLLT sugar detoxing, smoking cessation, and stress wellness programs call us at 440.740.1020.

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Find the Cause, Stop Suffering & Get Healthy Now!

Screen Shot 2017-07-17 at 1.34.37 PMBy Dr. Brandon Bupp, Nationally Recognized Natural Wellness Expert

Have you suffered from hormone imbalances? Do you wish you could stop hormone replacement therapy because you still do not have the energy you wish you had but you don’t have a solution? Are you taking thyroid medication but still have trouble losing weight and your energy is still low?

Certainly, I want you to know there are answers to these problems! The answers are found in the cause. If we can understand the cause of your health problems we can come up with a solution.

IT’S TRULY ABOUT FINDING THE CAUSE!

That statement may sound like common sense but ask yourself “Is your doctor is looking for the cause of your health issue?” If your thyroid is not producing enough thyroid hormone, does it make sense that giving you synthetic thyroid hormone would cause your thyroid to make more hormone?

The fact is, STRESS truly does create health problems. There are multiple forms of stress we encounter every day. Stress shows up in different forms.  ere is chemical or toxicity stress from the synthetic, GMO food we eat, the water that is saturated with harmful chemicals, and even the air we breathe. Stress also exists in the form of physical stress which could be caused by slips, falls, car accident, and prolonged sitting or standing with bad posture due to the forces of gravity. And then, of course, there is emotional stress that is caused by the daily ups and downs we all face.

These stresses create a burden on our nervous system, our life source, our energy reserve. Remember, unfortunately, we do not have the ability to plug our anger into an electrical outlet in order to recharge our power. That happens via our cells ability to generate and create energy on their own.

Here is the big idea, if the burden of stress in our lives becomes too great we end up in an energy debt. Meaning, we are burning or spending more energy dealing with the stress burden than we are able to overcome. When this happens, disease, symptoms, and conditions occur.

The way we are able to help so many patients actually get better and stay healthy is by finding out exactly where and how the body is not able to function properly. We do in-depth testing through detailed blood work, nerve scans, and additional testing to discover where the body is breaking down. Based on that information, we work to restore normal function to those areas. We also help people to limit the stressful burden on the body through lifestyle coaching and proper nutritional habits.

It is a completely different way of looking at health care but it works! Don’t take my word for it, listen to our patients, watch their videos on our website!

At Advanced Health and Wellness, my goal has always been to provide the very best, more state of the art, research-based, healthcare possible. If we can understand why a problem exists, it seems to me that we should be able to find a solution. Our goal is to revolutionize health care in the way it is delivered and the results that our patients receive. If we aim to improve the health of the patient, rather than simply improve the patient’s symptoms, we can improve our healthcare outcomes during a time when the life expectancy is actually dropping.

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Why Financial Literacy Isn’t Just One Person’s Responsibility

Columbus, Ohio (June 26, 2017) Although most would agree it’s important for people to learn (preferably early) the life skills that set them up for financial success, studies consistently indicate Americans are generally not sufficiently educated about their personal finances.

Respondents in the Ohio Credit Union League’s 2016 end-of-year consumer survey strongly agree that financial literacy is essential to a child’s education. On a scale from one to five (where five is “extremely important” and one is “not important at all”), parents ranked the importance of teaching their children about finances an average of 4.6. Without a doubt, parents recognize how essential a formal financial education is for their children.

That said, when respondents were asked about how they received their financial education, an overwhelming 62.6 percent stated that they learned from experience or life lessons. Despite the widely-accepted belief that parents should play a part in teaching their children financial literacy, only 20.6 percent indicated they received financial education from their parents.

The overwhelming demand for financial literacy training and simultaneous lack of access for Ohio consumers aligns closely with national trends. And when parents fail to educate their children about finances, schools don’t always fill the gap. While the demand for financial literacy courses in high school is nationally apparent, the Council for Economic Education says only 17 states (including Ohio) require students to take classes in personal finance.

In a survey by the National Financial Educators Council about which high school-level course would have benefited participants the most, 54.1 percent stated a money management class would have been the most useful.

Despite a lack of formal education opportunities, there is a multitude of easy, convenient resources parents can leverage to put their children on the path to financial health.

  • Start now and involve the family: There is a lot of information to increase personal financial literacy that is appropriate for all ages and levels of wealth. Start now, right where you are. Use age-appropriate activities, including games and challenges to make it fun for kids, and get the whole family better educated about finances.
  • Find a personal finance app: Using a personal finance app is an easy way to put money management at your fingertips and help you stay on track with your financial plans. There are many no- and low-cost apps available to help you budget, invest, or pay bills automatically.  Check the user reviews to see what aligns best with what you’re looking for in a financial tool.
  • Take advantage of online resources:  The U.S. government sponsors www.mymoney.gov, which is dedicated to teaching the basics about financial education, including topics like buying a home, balancing a checkbook, or investing in a 401(k) plan. Additionally, with free credit union-funded resources and tools from MoneyAndStuff.info and bizkids.com, the “money talk” is the easiest talk to have with kids.
  • Consult your financial institution: According to OCUL’s survey, only 5 percent of participants received formal financial education from financial institutions. However, a majority of Ohio credit unions offer structured financial literacy programs like classes and counseling, and all of them can be counted on for trustworthy advice.

To learn about credit unions in your community and how they can help you afford life, visit www.aSmarterChoice.org.

About The Ohio Credit Union League
With offices in Columbus, is a state trade association representing 290 credit unions. Credit unions are not-for-profit financial institutions owned and democratically-controlled by their members. Ohio credit unions provide savings, loans, and other consumer financial services to 2.81 million members. To learn more, visit www.aSmarterChoice.org.

Source:
Kimberly Stewart
Manager, Public Relations
Ohio Credit Union League

10 W. Broad St., Suite 1100 │ Columbus, OH 43215
T: 800-486-2917, ext. 248 │ D: 614-923-9748
www.OhioCreditUnions.org

Taking the Doctor-Patient Relationship to Heart

Screen Shot 2017-06-19 at 4.24.52 PMAs healthcare changes, a sustained relationship between a patient and their primary care doctor is more important today than ever. It is a fundamental and defining characteristic of primary care medicine. Likewise, as more of our population ages and more people develop chronic illnesses, the need for individualized care has dramatically increased. Three area medical doctors, Jennifer Carandang, Sheila Rice and Rebecca Ware, are tuned in to these needs and recently launched NorthShore Primary Care to enable a closer relationship with their patients.

With locations in Avon and Westlake, Drs. Carandang, Rice and Ware are dedicated to making sure each patient receives their undivided attention and an individualized care plan to help them achieve optimal health. All three hale from the west side of Cleveland and have earned a reputation as some of the area’s most highly regarded primary care physicians. In this independent internal medicine and pediatric practice, taking the time to meet and get to know each patient is a priority. Shorter face-to-face interactions could lead to missing important symptoms, misdiagnosing illnesses, and undermining their patient relationships.

“It’s very important to me to spend time building relationships with my patients,” says Dr. Ware. “Over the years, my practice has grown to see generations of families – the parents, kids, grandparents. You get to see the connections and the history. And that’s truly what primary care medicine should be.” Dr. Ware treats a wide range of conditions including diabetes, high cholesterol, hypertension, mood disorders, acute illnesses, and urinary tract infections. Prior to launching NorthShore Primary Care, she served as Medical Director of the Cleveland Clinic Lorain Family Health Center.

Dr. Rice grew up with a strong caregiving influence. “My mom was a nurse, and I’ve known since junior high that I loved science and loved trying to help people, says Dr. Rice. “I also love the challenge that comes with getting to the bottom of a patient’s symptomatology and the satisfaction of healing them and improving their quality of life. It’s why I love what I do every day.” Long-term doctor/patient relationships are part of NorthShore’s integrated approach to care. Dr. Rice specializes in women’s health, including routine gynecologiccare. She also earned and maintains special certifi cation in menopause management. She was recipient of the 2015 Cleveland Clinic Medicine Institute Outstanding Clinician award, the highest honor amongst community based internists in the system.

Dr. Carandang is dual certified in both primary care and pediatrics and trained to care for newborns, infants, children, and adolescents. She provides preventive care for healthy children and treats children who are injured or ill. She also specializes in childhood diseases, growth and emotional health, and treats a wide range conditions in adults including hypertension, diabetes, hyperlipidemia, asthma, and thyroid disorders. She has been named one of Cleveland Magazine’s Top Doctors as well as to the national Castle Connolly list of Exceptional Women in Medicine. “It’s such a joy to watch my pediatric patients as they grow,” says Dr. Carandang. “I’m happy to be a part of this practice because I simply want to be a doctor. I felt I was losing that, I was pushing too much paper. I love the feel of our office and that patients and parents can call and know who they are talking to. They trust us to do what is best for them and their children, and we take that very seriously.”

Primary care physicians are trained in the essentials of internal medicine, which incorporates an understanding of disease prevention, wellness, substance abuse, mental health, and effective treatment of common problems of the eyes, ears, skin, nervous system, and reproductive organs. These internists are trained in the diagnosis of cancer, infections and diseases affecting the heart, blood, kidneys, joints and the digestive, respiratory and vascular systems.

To make an appointment with Drs. Carandang or Rice, call the Avon office at 440.653.8091. To make an appointment with Dr. Ware in the Westlake office, call 440.250.7695. Learn more at www.northshorehealthcare.com.

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