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Gail Ruth

Gail Ruth
4550 W. Tilghman Street  Allentown  PA 18104
Phone:  610-398-8111
Office:  610-398-8111
Cell:  610-390-5434
Fax:  267-354-6263

My Blog

Halloween Safety Tips

October 27, 2017 1:09 am

From long hours outdoors after dark, to strings of lights and choke-sized candy, Halloween can be a safety minefield. Below are some top safety tips from Centers for Disease Control and Prevention include:

- Don't use open flames in jack o' lanterns or other Halloween decorations. Battery or electric-powered tea lights or glow sticks in jack o' lanterns are much safer than candles.
- Wear flame-resistant costumes and never walk near lit candles or other open flames.
- Keep walking areas, steps and porches well-lit and free of obstacles to avoid falls.
- Wherever possible, use established crosswalks and look both ways before crossing the street.
- Inspect all treats before consuming to assure they have not been tampered with.
- Decorative lights should be approved by Underwriter's Laboratory and carry a UL seal on the tag. Red UL marks indicate the lights are approved for indoor or outdoor use, while green UL tags indicate approval for indoor use only.
- Outdoor lights and decorations should be plugged into outlets that feature Ground Fault Circuit Interrupters (GFCIs).
- Indoor lights should not touch window treatments, carpet or furniture.
- Place all lights on a timer if you'll be away from home, and turn off all lights before you go to bed.

Source: Centers for Disease Control and Prevention

Published with permission from RISMedia.


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Making the Most of Medicare Open Enrollment

October 27, 2017 1:09 am

(Family Features)--Eating well and regular exercise are part of a healthy lifestyle, and so is making sure you have the right health care coverage. Medicare's annual Open Enrollment period is a good time to review your current coverage and decide if there may be a better fit based on changes to current plans, your budget or health needs.

During Medicare Open Enrollment, which runs Oct. 15 - Dec. 7, 2017, you can enroll in or make changes to your Medicare health or prescription drug plan for coverage that begins Jan. 1, 2018. If you miss the deadline, you will likely have to wait a full year before you are able to make changes to your plan.  

To make Medicare Open Enrollment part of your healthy lifestyle, follow these five steps:

1. Review your current plan notice. Read any notices from your Medicare plan about changes for next year, especially your "Annual Notice of Change" letter. Look at your plan's information to make sure your drugs are still covered and your doctors are still in network.

2. Think about what matters most to you. Medicare health and drug plans change each year and so can your health needs. Do you need a new primary care doctor? Does your network include the specialist you want for an upcoming surgery? Does your current plan cover your new medication? Does another plan offer the same coverage at a lower cost? Take stock of your health status and determine if you need to make a change.

3. Find out if you qualify for help paying for Medicare. Learn about programs in your state to help with the costs of Medicare premiums (through Medicare Savings Programs), your Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) deductibles, coinsurance and copayments, and Medicare prescription drug coverage costs (through Extra Help). Visit Medicare.gov or call your State Health Insurance Assistance Program (SHIP) to learn more.

4. Shop for plans that meet your needs and fit your budget. Starting each October, you can use Medicare's Plan Finder tool at Medicare.gov/find-a-plan to see what plans are offered in your area. A new plan may:

- Cost less
- Cover your drugs
- Let you go to the providers you want, like your doctor or pharmacy

If you find your current coverage still meets your needs, then you're done. Remember, during Medicare Open Enrollment, you can decide to stay in Original Medicare or join a Medicare Advantage Plan. If you're already in a Medicare Advantage Plan, you can switch back to Original Medicare.

5. Check your plan's Star Rating before you enroll. The Medicare Plan Finder is up-to-date with the Star Ratings for Medicare health and prescription drug plans. Plans are given an overall quality rating on a 1 - 5 star scale, with 1 being the lowest performing and 5 stars representing excellent performance. You can use Star Ratings to compare the quality of health and drug plans being offered.

Source: Centers for Medicare & Medicaid Services

Published with permission from RISMedia.


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Tips for a Safe and Happy Halloween

October 25, 2017 12:39 am

Americans love Halloween. According to a recent survey, Halloween is second only to Christmas in terms of how much we spend on decorations. But before the Great Pumpkin sends a host of little ghosts and goblins trick-or-treating on your street, the cautious underwriters at Traveler’s Insurance urge us to do what we can to make sure the evening is safe and happy:

Clear the way – Walk your property to minimize potential accidents. Roll up hoses and get them out of the way, and make sure the walkway is well-lighted and clear of obstacles.

Place decorations carefully – Set up lawn displays with foot traffic in mind and place them to prevent tipping over, blowing away, or becoming a tripping hazard.

Choose safe décor - Avoid dried flowers, cornstalks and crêpe paper because they are highly combustible – and keep decorations away from heat sources, including light bulbs and heaters.

Take care with lighting – Avoid open flames. Use LED lighting or battery-operated candles, and never drape fabric over light bulbs, which can generate heat and start a fire.

Minimize electrical risk – Plug all outdoor lights and decorations into ground-fault circuit interrupters (GFCIs) to help reduce the risk of electric shock. Avoid daisy-chaining extension cords when plugging in decorations, which can cause overheating – and never staple, nail through, or fasten electrical wires or extension cords in any way as that can damage the wire or insulation and cause electrical shock or fire.

Drive with extra care – Parents everywhere will be rushing home in time to get their kids ready for Halloween. Drive neighborhoods slowly and with caution, looking out for less cautious drivers and/or costumed kids crossing the street.

Choose costumes wisely – Utilize bright colors and or flashlights to make sure your child is easily visible in darkened streets. Young children should trick-or-treat in small groups with parents supervising nearby.

Published with permission from RISMedia.


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5 Ways to Celebrate the Season of Giving

October 25, 2017 12:39 am

(Family Features)--Giving is the true spirit of the holiday season. However, in addition to gift-giving in the traditional sense, there are other meaningful ways to make a difference in your community and give back to those in need - including the 3.5 million people who experience homelessness each year, according to the United States Census Bureau - during one of the most critical times of the year.

By giving money, time or material items, or partaking in other small acts of kindness, you can spread holiday cheer and help instill a sense of giving in others. To get started, here are some ideas you can put into action this holiday season.

Donate to a Food Pantry
Churches and food pantries are always in need of donations, and the holiday season is a great time to help provide a meal for someone who may not otherwise be able to eat. Canned goods and other non-perishable items like cereal, oatmeal, rice, peanut butter, canned tuna and spices are often needed. Some pantries can also use non-edible items, such as soap and other toiletries, and simply donating money is always an option, as well.

Volunteer at a Soup Kitchen
Because extended exposure to cold weather can be dangerous, soup kitchens and homeless shelters are often more crowded during this time of year. While soup kitchens and other aid facilities often see an influx of volunteers during the holidays, most are still grateful for the extra hands to help serve a meal or assist with other tasks around the facilities.

Host a Coat Drive
Providing clothing, specifically coats, for the less fortunate during the colder months is another way to assist those in your community. According to the U.S. Census Bureau, a warm winter coat is considered a "budget extra" for nearly 15 percent of Americans living in poverty. National non-profit organization, One Warm Coat, is dedicated to providing a free, warm coat to any person in need. The organization has facilitated more than 27,000 coat drives nationwide and has a goal of collecting 1 million coats this winter in celebration of its 25th season of giving. Through its six-step process, the non-profit provides all the tools necessary to hold a coat drive and to distribute the coats in local communities where they were collected. Learn more about how you can get involved at onewarmcoat.org/youcanhelp.

Attend a Benefit Event
Concerts, theatrical performances, walks and other exhibits are often held during the holiday season with the proceeds going to benefit a local charity or service organization. Many community service clubs also offer benefit dinners or bake sales that can provide a positive impact for those in need in your area.

Adopt a Family
There are many organizations that can help you sponsor a family in your area to help provide gifts and other necessities for over the holiday season. Most can provide you with a list of items each family member needs and wants to make shopping easier.

Source: One Warm Coat

Published with permission from RISMedia.


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And the Winners Are...2017’s Best Mattresses

October 25, 2017 12:39 am

If you’ve ever shopped for a mattress - or slept on a bad one - then you know how important making the right choice is. Luckily, Rave Reviews, a ranking site that uses data-driven analysis to arrive at its research, recently published its Best Mattresses for 2017.

Since mattresses are as particular as the individuals who sleep upon them, the ranking is subdivided into 11 different categories: Best Rated Brands, Best Organic/Natural Mattress, Best Adjustable Mattress, Best Mattress for the Money, Best Mattress for Side Sleepers, Best Mattress for Stomach Sleepers, Best Mattress for Sex, Best Mattress for Heavy People, Best Mattress for Back Pain, Best Mattress for Joint Pain, and Best Mattress for Kids.

The mattress industry is filled with specific terminology and lingo, making mattress hunting even more confusing and overwhelming. This master list, relevant for all different kinds and types of sleepers, aims to cut through the confusion.

The selection process for this list of the Best Mattresses of 2017 is based on a weighted score of a variety of factors that include: owner satisfaction, mattress lifespan, comfort, value, price, quality of materials used and reputation of the company. In the Best Rated Brands category for 2017, Nest Bedding came in first, followed by Zenhaven by Saatva in second, and Astrabed in third.

Here is the ranking within three of the more popular categories:

Best Rated Mattress Brand
  • Nest Bedding
  • Zenhaven by Saatva
  • Astrabeds
  • Amerisleep
  • Loom & Leaf by Saatva
  • Saatva
  • Layla
  • Novosbed
  • WinkBeds
  • Helix
Best Mattress for the Money
  • Amerisleep AS3
  • Zinus 10' Green Tea
  • Layla
  • Ghost Bed by Nature's Sleep

Best Mattress for Back Pain
  • Alexander Signature Series by Nest Bedding
  • Astrabed Solace
  • Astrabed Serenity
  • Astrabed Serenity
  • Loom & Leaf Relaxed Firm by Saatva

Source: Rave Reviews

Published with permission from RISMedia.


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Important Tips for New Job Hunters

October 24, 2017 12:39 am

Maybe you’re a recent college grad or maybe you’ve been at the same company for more than a decade and are a bit rusty on the job-search process. Whatever the case may be, when it comes to landing that job, the devil is in the details. While you may have every qualification listed in the job description, a misstep can quickly remove you from consideration. Keep the following in mind when applying for your next gig.

Provide the information that’s requested. If the job listing asks for a cover letter, examples of your work or salary requirements, be sure to provide them. Not doing so sends a signal to a prospective employer that you’re not paying attention or that you’re not that interested.

Be ultra responsive. In today’s age of instant gratification, if a job prospect reaches out to you for more information or to request an interview, respond as soon as possible. So be sure to check your email and job posting sites regularly and arrange for instant notifications.

Dress appropriately for the interview. Even though a business may have a casual dress code, show up for the interview looking your best. It shows respect and that you care about landing the job. Overdressed is always better than underdressed, and - unless you’re applying in the fashion industry - err on the side of conservative.

Don’t show up empty handed. Nothing says disinterest like showing up to the interview with nothing in hand. Even though you know the prospective employer has already seen your resume, show up with several hard copies and hand them out. Bring examples of your work or an ipad to show what you’ve done online. Use your ipad or a pad and paper to take notes - it shows interest in the job and what the employer has to say.

Do your research and ask questions. Never show up to an interview without finding out about the company in advance, and be ready to go with several questions. And make sure it’s not “how many vacation days would I get?” Save all questions related to benefits until you’re closer to landing the position.Follow up right away.

Whether you’re interested in the job or not, send a thank you note by email right away. If you are interested in the job, use this as a chance to outline why you believe you’re the right choice and what excites you about the position. Throw out a couple of ideas about what you might do if you had the job. Employers want team members who are enthusiastic, hard-working and creative thinkers. This is your chance to show that you are all of the above.

Published with permission from RISMedia.


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3 Passport Hacks to Try Before 2018

October 24, 2017 12:39 am

If you plan to mosey out of the country before the year's end, then you know you need a passport.  But did you know there are a couple of money-saving life hacks that could make travel easier, depending on your itinerary?

SAGov and the State Department's Bureau of Consular Affairs are dishing out the following three things you should know to get the most out of your passport and your international travel experience.

Save Money on Certain Travel With a U.S. Passport Card
The passport card is a wallet-size travel document that can only be used to re-enter the United States by land or sea from Canada, Mexico, the Caribbean, and Bermuda. The card is a smaller, more convenient, and less expensive alternative to the passport book for those who travel frequently to these destinations. You can't use a U.S. passport card to return from these international destinations by air; however, you can use it to board domestic flights.

The cost for first-time applicants is $55 for adults and $40 for children under the age of 16. The renewal cost is $30. The passport card is wallet-sized, so you can use it as your go-to government-issued ID.

Make Your Passport Card Your Real ID
A U.S. passport card could also save you hassle early next year when some state driver's licenses will not be accepted as a valid form of ID at the airport. Starting January 22, 2018, passengers who have driver's licenses issued by a state that is not compliant with REAL ID and has not been granted an extension will need to show an alternative form of acceptable identification for domestic air travel. Luckily, both the passport card and passport book are REAL ID compliant, so you'll avoid any issues at the gate in 2018.

Renew Early So You Can Travel With Ease
More than two dozen countries will not allow you to enter if your passport expires within the next six months. That means you could show up at the airport with your plane ticket in hand to find out you can't board your plane. If you land at the your destination, you may not be allowed into the country.

Just to be safe, we encourage you to renew your passport nine months before it expires. Since adult passports (16 and older) are valid for ten years and children passports (15 and younger) are valid for five, there is no reason to wait to renew your passport!

Source: SAGov is partnering with the State Department's Bureau of Consular Affairs
 

Published with permission from RISMedia.


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Tricked Out Bathroom Tech

October 24, 2017 12:39 am

(Family Features)--No luxurious home upgrade is complete without the enhancements of modern technology. High-tech and intelligent devices lend ease to everyday activities and enrich your ability to enjoy the comforts of home. With new products joining this category at an exponential pace, there's a way to boost the smart function of every room, even the bathroom.

Climate controls
Environmental elements like lighting and temperature are among the first signals your brain processes when you enter a new space. Aligning those nuances with your comfort and preferences is the ultimate expression of personalization. Motion or voice control sensors make it possible to bring lights to life with next to no effort, while a smart thermostat with differentiated climate zones can adjust to meet your needs throughout the day, perhaps kicking up a few degrees to prevent a chill when you emerge from a steamy shower.

Uncommon commodes
There truly is no limit to the home features that can work harder, faster and smarter - even when it comes to the toilet. If the notion of an intelligent toilet seems extreme to your senses, you may not be alone.

"When Americans hear the word bidet, most have an outdated picture in their minds of a standalone fixture, but in fact, the functionality is now built into a toilet or attachable seats, and they are simple to use. Once you try one, you won't be able to live without it," said Shane Allis, marketing director of Kohler Sanitary Products. "From intelligent toilets to cleansing seats that attach to existing toilets, modern day bidets are for consumers who are looking for an upgrade to their toilet routine."

In fact, according to a recent survey conducted by Kohler, about two-thirds of Americans would choose a toilet that would give them a cleaner, fresher feeling, and 3 in 5 think washing with water would give them a cleaner feel than toilet paper alone.

An overall fresher feeling and features like a deodorizer, night light and heated seat have strong appeal, according to the same survey, and those features are all offered in options like the Kohler Veil, an ultimate, one-piece intelligent toilet with integrated cleansing functionality that provides optimum hygiene and individual comfort. From personal cleansing to an LED nightlight to hands-free opening, closing and flushing - all of which are easy to control on a touchscreen LCD remote control - the toilet brings unexpected options to your bathroom. Explore the available models and learn more about intelligent toilets at Kohler.com/IntelligentToilets.

Shower with power
Whether it's a playlist that energizes you for the day or soothing sounds to center you before an important meeting, you can give new meaning to singing in the rain with a showerhead that includes a built-in wireless, removable speaker that you can sync to your smartphone music library.

When you take your shower digital, you can actually bring water, steam, music and light together into one sensory experience. Beyond that, it's even possible to configure your shower to cycle through spa programs that target different areas of your body with varied water sprays and temperatures.

Hydrotherapy haven
A jetted tub is just the beginning when it comes to creating a spa-like atmosphere. Today's options let you trick out your tub with everything from bubbles and heat to sound and color. Advanced hydrotherapy options use air or sound to massage, soothe, invigorate or relax your body and your mind - all controlled at the touch of a button. Don't forget the heated back to keep you warm even longer.

Perfect privacy
If you're blessed with a stunning view out the bathroom window or if you simply prefer the aura of natural light, you may be reluctant to hide behind heavy window treatments. Yet again, technology offers the solution. Shades you can power with a remote control and even film coverings that convert from transparent to opaque with the touch of a button can give you the freedom to embrace your privacy or celebrate the sun's rays.

Tech-sessories
The big features may deliver the wow factor, but little touches can add up for a big impact as well. Mirrors that recognize your face and voice to deliver customized media, such as news and music, can also be programmed to alter the temperature and lighting while you conduct your toiletry business. Other accessories to round out your high-tech renovation include devices such as smart scales that integrate with other devices to maximize your health and wellness routine.

With these tech upgrades and more, you can turn an ordinary bathroom into an entirely new, refreshing experience.

Source: Kohler

Published with permission from RISMedia.


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Non-Candy Halloween Treats Kids Actually Love

October 20, 2017 12:39 am

Armies of Moms have puzzled over the years about non-candy Halloween giveaways that will bring a smile to the most discerning little ghosts and goblins.

The fact is, for most young children, the fun of trick-or-treating door-to-door in costume is more exciting than the treats they happen to collect – and many parents confiscate most of the sweet stuff anyway once it reaches home.  

A panel of parents brainstorming at a PTA meeting in California came up with a formidable list of stuff that makes a great alternative to candy treats.

More good ideas can likely be found at your nearby dollar store.

Food treats:

Juice boxes – Little trick or treaters can work up a thirst. Be sure to choose no-sugar added juices.

Fruit cups – Tie a black or orange ribbon around individual cups of applesauce or other cut-up fruit.  

Granola bars – Kids never get tired of these chewy little treats. Seasonal pumpkin-flavored varieties are available.

Raisins – Those tiny little boxes of raisins seem to appeal to kids of all ages.

Baked chips – They may be fairly empty calories, but they‘re a sugarless, kid-friendly treat.

Non-food treats:

Slime – little plastic containers of slime are a natural pick for the icky Halloween season.

Plastic body parts – Little kids are sure to get a kick out of plastic lips, noses, or fingernails.

Action figures – These or other small toys, such as Hot Wheels cars, are favored by  kids and great for trading.

Instant tattoos – Wash-off Halloween tattoos are widely available at this time of the year.

Play-doh – Individual containers of colorful Play-doh are a hit no matter the time of year.

Bubbles – Another perennial favorite, plastic bottles of magic bubbles are  a treat for most younger kids.

Stickers – You’ll find vast arrays of popular Halloween-themed stickers at almost any toy, drug or big-box store.

Published with permission from RISMedia.


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Tips for Stocking and Maintaining Your Medicine Cabinet

October 20, 2017 12:39 am

Many of us have old bottles and boxes that hang around in our medicine cabinet for years. However, keeping on top of the products in your medicine cabinet can make or break an oncoming bout of flu or fever. Below are a handful of tips from MultiVu for stocking and maintaining your arsenal.

When in doubt, throw it out. Once you've opened a medication the clock starts ticking on its shelf life. Items like that are usually good for about a year from when they're opened. Regularly check the expiration date on your product.

Everyday basics. A variety of illnesses are common during the winter months. Basics include good oral hygiene and it's very important and it starts with clean teeth.   

Must-haves for flu season. No one wants a cold to persist, so don't let it slow you down. Medical studies have shown that zinc gluconate, which is found in lozenges such as Cold-EEZE, shortens the duration of a cold so you can feel better faster.

Other essentials. While antibiotics are often used to treat cold and flu, they can disrupt your balance of friendly and unfriendly bacteria, creating digestive discomfort. Probiotics are a great medicine cabinet staple because they help balance healthy bacteria levels in your gut and, since 70 percent of your immune system lives in your digestive tract, they support a healthy immune system as well. When choosing a probiotic, look for the dosing information, otherwise known as the CFU count. CFUs refer to the number of good bacteria in the supplement. For example, on the lower end, probiotics with 2 billion CFU can help support everyday digestive health, while additional CFUs on the higher end can help bolster immune support.

Storing and discarding. Rethink where you keep your medicines. Humidity from steamy showers can expedite the expiry of medication. It's best to keep them in a child-safe, dry, and cool place. And landfill sites and water supplies have become contaminated with discarded medicines. Participating in a community drug take back program or a trip to the pharmacy are the best ways to discard old or unneeded medications.

Source: MultiVu

Published with permission from RISMedia.


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