Bette McTamney
Bette McTamney
4092 Skippack Pike, P.O. Box 880  Skippack, PA 19474
Phone: 610-584-1160 1505 |Office Phone: 610-584-1160 | Fax: 267-354-6985
Cell: 610-256-9619 | bmctamney@remax440.com

My Blog

4 Mantras You Can Use to Be Happier Today

January 30, 2017 1:30 am

Some days, keeping a smile on your face may be a struggle. Whether you’re dealing with a stressful career, medical issues, or just feeling weighed down by your daily routine, repeating positive mantras can help shift your mood—if you’re open to it.

Below are four helpful happy mantras to lift your mood.

You can do it. Whether you’re under a huge deadline for work or trying to finish that last mile on the treadmill, telling yourself that you can do it will make your success more likely. Be your own cheerleader!

Just breathe. Feeling overwhelmed? Remind yourself to breathe. Pair this mantra with big, deep inhalations to feel calmer and happier.

Thank you. Gratitude goes a long way, and can shift your perception of things (and the way people perceive you) if integrated into daily life. Be thankful of getting to work safely, even if you had a longer-than-usual commute. Be thankful you have the funds to buy groceries, even when your list of errands seems endless. Thank you, thank you, thank you.

No judgements. This is easier said than done, especially in a world where other people’s lives are constantly popping into our news feeds. Annoyed at your co-worker’s cheesy engagement photos? Irritated that your college roommate seems to be traveling constantly, when you can’t even afford a staycation? Remind yourself to pay attention to your own life, and don’t judge or envy others for their choices.

Published with permission from RISMedia.


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Welcoming a Puppy Home

January 30, 2017 1:30 am

(Family Features)--Nothing is more heartwarming than the first warm nuzzle from a new puppy. With new pets, however, come new responsibilities and opportunities, which can often lead to New Year’s resolutions involving new furry friends.

“No matter the season, it’s always a moving and emotional experience when a puppy finds a new home,” says Eran Cohen, chief customer experience officer at PetSmart. “Our passionate associates are available to help bring pet parents closer to their pets so they can live more fulfilled lives.”

To help puppy parents welcome their pets home – and keep New Year’s commitments – PetSmart, the largest specialty pet retailer across North America, offers this expert advice on nutrition, socialization, essentials and health care to help keep pets happy and healthy.

Find a Veterinarian
A veterinarian should be your first call if your puppy gets into something that could potentially harm him or her. Vets are also great resources to keep you up-to-date on puppy care, like vaccination timing. Use a tool like the free askPETMD app, available in the Apple App and Google Play stores, to find a veterinarian near you.

ID Your Pet
While pets are getting acclimated to their home, and with people going in and out, it can be easy for them to slip out a door. Be prepared in case they embark on an unplanned journey around the neighborhood. To ensure you are reunited, outfit your pup with proper ID, including a personalized ID tag.  

Pup-Proof Your Home
Dogs love to chew, whether it’s on shoes or something more dangerous like wiring or extension cords. To protect them and promote positive chewing experiences, use toys or treats to occupy their time and allow them to chew safely. It’s also important to place household products like trash, laundry detergent and cleaning supplies out your pup’s reach.

Give Puppies Their Own Space
According to a survey commissioned by PetSmart and conducted by Wakefield Research, 47 percent of U.S. dog owners let their puppy sleep in bed with them seven nights per week. However, when it’s time for puppies to rest on their own, a puppy crate can perform double duty, providing puppies their own area away from stressors to nap and serving as a structure that promotes potty training.

Give Your Dog Time to Acclimate
Socialization is critical during a pup’s early years. While everyone may be ready to meet the new member of your family, consider introducing them to one or two people at a time, so the puppy can get to know them and warm up to their scent.

Research Nutrition
It may be tempting to feed a puppy human food, but they require specially formulated food and often have different eating schedules than an adult dog. Do your research, read labels and ask questions. Consider leading natural pet lifestyle brands, like Only Natural Pet, which offer formulas such as Puppy Power Feast food, as well as a variety of treats.

Invest in Training
Consistent training is an important responsibility of a puppy parent. Dogs crave love and praise, and a properly trained pooch will better understand what’s expected of him or her. If necessary, get help from puppy training experts to help ensure all family members are able to live happily in one harmonious pack.

Source: PetSmart

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New Takes on Baby’s Room

January 27, 2017 1:18 am

If there’s a new baby coming to your house this year, you may be thinking about nursery room themes. If so, take heart from professional decorators, who say individual tastes are at the top of the list this year.

“While grey walls are popular, parents are choosing a variety of color schemes and themes these days, and gender is not a deciding factor,” according to California designer Allyson Becker.

From bright and playful to vintage cool, you may find inspiration from seven new moms who shared their design decisions with Parenting Magazine:

Nature’s bounty – Celebrate the great outdoors with grey walls and splashes of yellow, apricot and sage. Perfect for boys or girls, the scheme is easily carried out in baskets, area rugs, linens and window blinds.

Pink the modern way – If you want the room to look girly, but not too girly, stay with neutral walls, dark-colored furniture and soft pinks in the window coverings and rugs, livened up with a few hot pink accents.

Mellowed yellow – Perfect for either gender, a focus on yellow can be ‘tweaked’ with accents of aqua, grey or pale peach in the wall décor and window treatments.

Easy as ABC – Choose white or any neutral color for the walls and hang a set of colorful alphabet cards, classroom style, around the walls. Finish the décor in primary colors taken directly from the cards.

Off the wall – Start by choosing a children’s wallpaper pattern that delights you. Cover one wall with it, and use it as a springboard for selecting the wall color, rugs, lamps, and other accents appropriate to the wallpaper’s theme.

Chalk it up – Paint one wall with chalkboard paint, which actually becomes a canvas for baby when he or she is old enough to "paint" with chalk. Because the slate color is dark, accent the room with light, bright pastel hues.

Go on safari – The easy availability of giant-sized stuffed giraffes, elephant-shaped clothes hampers, and other safari animal accents makes this a solid design choice. Go ‘wild’ with color choices or stick with neutral. The theme is fun either way.

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How to Lower Your Chance of Heart Disease

January 27, 2017 1:18 am

As Americans age, their risk of heart disease grows. However, your rick heart disease can be thwarted with proper dietary care.  USA Medical offers the following three diet tips from the American Diabetes Association, whose community has a higher risk of heart disease:

Limit sodium intake. Excessive sodium in a diet increases the risk for heart disease. The federal daily recommendation allows up to 2,300 milligrams of sodium intake, but those with high blood pressure should drop their consumption to under 1,500 milligrams. Beware of restaurant meals and packaged foods that are often dangerously high in salt

Eliminate trans fats and limit saturated fat. Avoid red meats high in saturated fat such as lamb, beef and venison, and meats high in sodium such as bacon and ham. New York City registered dietitian Willow Jarosh explains that trans fats are "especially bad because too much can lower your HDL ['good'] cholesterol and raise your LDL—a double whammy to your heart health."   

Maintain the correct balance and portions of a heart-healthy diet. Make fresh fruits and vegetables staples of your meals.  Focus on eating mono- and polyunsaturated fats.  Include tofu, beans, fish and lean meats for protein, and whole grains for nutritious carbohydrates.  Fill half your plate with non-starchy vegetables such as asparagus and broccoli; don't make meat the main course of any meal.
SOURCE: USA Medical

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Yes, You Should Protect Your Child From Identity Theft

January 27, 2017 1:18 am

Many grown Americans take necessary precautions to protect themselves from identity theft. However, not everyone thinks about protecting their child from the same situation.

While child identity theft is not as common as identity theft among adults, it is still a risk. One in 40 families with children under 18 had at least one child whose personal information was compromised, according to the most recent survey by the Identity Theft Assistance Center and the Javelin Strategy & Research group (2012).

All it takes is a Social Security number – often applied for at birth – which can be paired with a different name, birth date and address to apply for credit. This is called a synthetic identity. And, for nearly 18 years, there is typically little risk of detection.

According to PNC, other warning signs your child may be a victim include:

- Notification by the IRS of unpaid taxes in your child's name.

- Notification that a child's Social Security number was used on another tax return.

- Receiving collection calls for a minor child

- Receiving bills in a child's name for products or services not ordered or delivered.

- Declined for government benefits because benefits already are being paid to another account using the child's Social Security number.

Parents can be proactive in protecting their child from identity theft:

- Never carry your child's (or your) Social Security card in your wallet or purse. Keep it in a safe place, where it is not at risk of being stolen.

- Pay attention to forms from schools, doctor offices and others asking for personally identifiable information about your child. Opt out if you can or use the last four digits only.

- Shred all documents that show your child's personally identifiable information before throwing them away, just as you do for your own documents.

Most importantly: Request a credit report for your child annually, using the child's Social Security number for reference. Every individual is entitled to one free copy of their credit report once every 12 months at www.annualcreditreport.com. If there is no credit history on record, then typically the child has not fallen prey to identity thieves.  If there is a credit history for a minor child, he/she has mostly likely become a victim.

Source: http://www.pnc.com

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Do Generations Work Differently?

January 26, 2017 1:18 am

As more millennials enter the workforce and boomers choose later retirements, multi-generational work teams are the norm. But do workers of different ages work differently, and if so, how?CFOs in a Robert Half Management Resources survey said they see the greatest generational differences in employees' communication skills, ability to adapt to change and technical abilities. Only 7 percent of executives noted there are no differences.

Communication style: Baby boomers tend to be more reserved, while Gen Xers favor a control-and-command style, the research indicates. Conversely, Gen Yers prefer a more collaborative approach to communication, and Gen Zers prize in-person interactions.

Change management: According to the research, Gens X and Y tend to see change as a vehicle for new opportunities, while Gen Z is accustomed to change and expects it in the workplace.

Technical skills: When it comes to building their abilities, employer-backed training is expected by all workers. Baby boomers and Gen Xers most value traditional instructor-led courses or self-learning tools; millennials, which include Generations Y and Z, prefer collaborative and technology-centric options.

Robert Half Management Resources offers five tips for managing a multigenerational workforce:

- Don't overthink it. Start with the understanding that everyone wants to do a good job and help the company. This commonality lays a strong foundation for relationship-building.

- Customize your style. Staff possess common attributes, but they also have individual needs. Tailor your management for each person's strengths, personality and aspirations.

- Go off-site. Host team-building events outside the office to give employees a chance to get to know each other in a different setting.

- Let newer professionals take the lead. Institute reverse mentorships, where less-seasoned staff advise and share their insights with veteran colleagues. Also invite team members from all generations to share their unique areas of expertise.

- Mix and match project teams. Put together groups with complementary skills and diverse perspectives. This can prompt innovation and new problem-solving techniques.

Source: Robert Half Management Resources

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Black Ice, Snow and More: How-to Stay Safe on Winter Roads

January 26, 2017 1:18 am

Winter is often the worst time to be on the road. From freezing temperatures to hidden patches of ice and flurries of snow, driving in a winter wonderland can be dangerous. In order to help drivers appropriately weather the winter storms, Meemic Insurance has compiled a list of five safety tips to help avoid accidents and keep the roads safe:

Keep your gas tank at a safe level – preferably half-full or higher. Because the roads are so unpredictable, you never know what you might come across. The last thing you'd want is to run out of gas with below freezing temperatures.

Maintain slow speed when accelerating and decelerating. This is the best method to use in order to avoid unpredictable sliding and regaining traction with your tires in slippery conditions.

Make sure your vehicle servicing is up-to-date. Regularly checking your vehicle for any potential problems will keep everything in tune and running properly amidst wintery conditions. Focus on parts of your vehicle that are typically affected by cold weather such as tire pressure, battery life, break lines and more.

Bundle up and prepare your vehicle for the elements. In case your vehicle would break down in the winter, it's crucial to keep useful materials on hand. Stow away blankets, hats, gloves and warm clothing to ensure safety from biting temperatures. Snow brushes, flashlights, jumper cables and shovels are also important tools that can keep you out of danger in the event of a slide off or accident.

If you don't need to be somewhere, stay home. This is ultimately the best decision to make in the middle of a winter weather advisory. It's always better to be safe than take unnecessary risks on dangerous road conditions.

Source: Meemic Insurance Company

Published with permission from RISMedia.


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Do You Know Your Generator Safety?

January 26, 2017 1:18 am

Many homeowners have a backup generator in case of power outages. If you’re the proud owner of a genny, or are considering making a new purchase, Gilmore offers tips on how to practice safe generator use during power outages.

Buy the right generator. Make sure to get a generator rated for the amount of power you need. Pay attention to the electrical loads shown on labels of lighting, appliances, and your equipment that you plan on hooking up to the generator.

Hire an electrician to set up a generator safely. Hooking up a generator to the home can be challenging. Consider calling a professional that can set-up the appropriate equipment in the appropriate place at your home.

Beware of generator hazards. The primary hazards to avoid when using a generator is carbon monoxide (CO) poisoning from the toxic exhaust, electrocution, and fire. Never use a generator inside a house.

Install battery-operated CO alarms or plugins. If CO gas enters your home and poses a serious health risk, the alarms will sound to alert you.

Never use portable generators indoors. This includes an indoor garage, carport, basement, crawlspace, or any other partially enclosed areas of the home. Opening doors and windows will not prevent CO buildup inside of a home. The CO from generators can lead to death.

Keep generators away from openings. If you want to keep your windows open during a power outage, be sure to place portable generators at least ten feet away from windows, vents, and doors to prevent CO entering the home.

Let the generator cool down before refueling. If gas spills on a hot generator it could potentially ignite and cause a fire.

Plug appliances directly into the generator. Never try to power all appliances from a small extension cord that runs from the generator. If you use an extension cord, make use of a heavy duty, outdoor-related cord that is (in watts or amps) equal to the connected appliances.

Do not plug the generator into a wall outlet. A hazard known as "backfeeding" can occur. It presents extremely dangerous electrocution risks to any nearby utility workers and neighbors on the same transformer.

Source: www.gilmoreair.com.

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Sleep Tips for the Boss

January 25, 2017 1:18 am

Running a company or managing a fleet of employees is no easy task. Whether you’re up late working, or up late thinking about work, compromising your sleep is no way to be an effective leader.

To help combat work-related stress, Robert Half Finance & Accounting offers five tips for CFOs to mitigate work challenges and rest easier:  

Address issues as they arise. Workplace conflicts only get worse when ignored and avoided.

Set goals and timelines. Make the results you need to see from your staff clear, with deadlines and expected outcomes.

Recognize your team. Different people respond to varied motivational techniques, but everyone likes to hear when they're doing a good job. Don't hold back on genuine praise.

Evaluate your hiring strategy. In addition to having the necessary skill sets and fitting in with the corporate culture, great employees share a few qualities, including a can-do attitude, right-sized ego and sense of humor. Periodically refresh your recruiting plan to ensure you're attracting the right people.

Drive employee acquisition and retention. Finding skilled professionals when you need them can be stressful. But if you nurture a talent pipeline year-round, you'll be better equipped for the future.

Source: roberthalf.com/finance

Published with permission from RISMedia.


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Are You Being Threatened by Collection Callers?

January 25, 2017 1:18 am

There's few things more embarrassing and troubling than a collection call. I recently learned an increasing number of those receiving collection calls are being bullied and intimidated by agents on the other end of the line.

In mid-January, a first of its kind Consumer Financial Protection Bureau (CFPB) survey revealed  more than one-in-four consumers contacted by debt collection agencies felt threatened, and one in seven were sued in state court.

Shockingly - the CFPB found the about 75 percent of those sued do not go to their hearing, - generally making them responsible for the debt.

Melissa Stegman, Center for Responsible Lending (CRL) Senior Policy Counsel recognized that an overwhelming majority of those in debt and being pursued by collectors are not in debt by choice, but due to unexpected job loss or serious illness.

Debt collectors generate more complaints to the Federal Trade Commission (FTC), CFPB, and many state Attorneys General than any other industry. And sadly, Stegman says, communities of color, lower-wealth families, service members, and older Americans are more likely to be harmed by these unscrupulous collection practices.  

CRL recently found that debt collectors frequently use state court to pursue Colorado residents, even when debt wasn't owed or where they lacked information to support a lawsuit. And 71 percent of these cases brought by four large debt buyers ended in a default judgment, meaning the consumer did not respond to the lawsuits and were legally stuck with the bill.

Lisa Stifler, CRL Deputy Director of State Policy said in a release that she has seen debt collectors lawsuits in state courts filed against the wrong person or for a debt not owed.

The CFPB also released a study of potential risks in the online debt marketplace, where consumer debts and personal information are for sale. This study found that most debts sold are at least five years old and 75 percent of those debts had previously been collected TWO or MORE times.

Review the entire CFPB study at: http://files.consumerfinance.gov/f/documents/201701_cfpb_Debt-Collection-Survey-Report.pdf

Published with permission from RISMedia.


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