SRES® Blog

Apartment Therapy’s Step-by-Step for a Spring Deep Clean

Apartment Therapy’s Step-by-Step for a Spring Deep Clean

Whether you want a sparkly house to celebrate the arrival of spring or you’re getting your home ready for sale, look to Apartment Therapy. Its free Spring Cleaning Cure (https://bit.ly/3qCkCQa) is designed to help you tackle your deep cleaning to-do list one project at a time over 20 days. Starting on March 15, you’ll get a daily cleaning assignment emailed to you after signing up. Apartment Therapy is expert at breaking down big, intimidating projects into small daily tasks that add up to a big payoff in the end. You may have done its January 30-day challenge—the purging and organizing

Where’s My Second Stimulus Check?

Where’s My Second Stimulus Check?

Remember the coronavirus relief package passed by Congress in late December? It included a second round of Economic Impact Payments. According to the IRS, eligible individuals will automatically receive an Economic Impact Payment of up to $600 for individuals or $1,200 for married couples and up to $600 for each qualifying child. The money started landing in people’s accounts on Dec. 29, 2020, and paper checks started mailing on the 30th. But if you’ve not yet received a direct deposit or a check, you have a couple of options. First, visit the IRS’s Get My Payment site (https://bit.ly/35RO4cf)

Mortgage Relief Options During COVID-19

Mortgage Relief Options During COVID-19

Financial problems can lead a person to be physically and emotionally ill. Many of us have been in a position when affording the mortgage or making it to the next payday were real concerns. Worrying about money can wreck a person’s well-being and a pandemic only adds to the problem. Being informed of the mortgage process and the ever-changing rules granted as a result of the pandemic is a great way to serve your clients’ needs. Many people have lost jobs or taken pay cuts due to the current health crisis. Luckily, there are options for relief out there, but some people do not know what steps

2021 Retirement Plan Contribution Limits

2021 Retirement Plan Contribution Limits

Now is the time of year when you’re taking a hard look at your financial picture and developing a plan for the year. Before you start, check the all-important Internal Revenue Service (IRS) contribution limits for 2021. For details, visit the IRS site at https://bit.ly/3mUplK4 and https://bit.ly/2JpWZK5. For individuals contributing to a 401(k), 403(b), most 457 plans, and the federal government's Thrift Savings Plan, the contribution limits stay at $19,500. For those over the age of 50, the catch-up contribution stays at $6,500. The maximum contribution limits for individual retirement

Avoid reverse mortgage shopping scams

Avoid reverse mortgage shopping scams

The COVID-19 pandemic has affected many Americans’ financial and retirement plans. If you’re a homeowner over age 62, you may be thinking about a reverse mortgage. A reverse mortgage is a loan that allows older homeowners to use the equity in their homes. Unlike a traditional mortgage, there is no monthly mortgage payment, and the loan is usually repaid when the borrower sells or no longer lives in the home. As a result of the economic uncertainty caused by the COVID-19 pandemic, scammers may be targeting older homeowners through reverse mortgage schemes. These schemes can include: A trusted

Tool Scores Risk of Holiday Visits in Light of COVID-19

Tool Scores Risk of Holiday Visits in Light of COVID-19

With public health organizations all but begging the public to stay home this holiday season, people are grappling with how to celebrate Chanukah, Christmas, Kwanzaa, and the new year safely. How risky is it to visit grandma for a holiday visit during this COVID-19 pandemic? Test the danger by using “My COVID-19 Visit Risk” (https://bit.ly/33xoisJ), a new online tool developed by Toronto, Can.-based Ryerson University National Institute on Ageing. The tool relies on scientific evidence and input from experts in infectious diseases and epidemiology and walks you through a series of questions to

When Does Your House Stop Being Your Home if You Have to Apply for Medicaid?  

When Does Your House Stop Being Your Home if You Have to Apply for Medicaid?  

Medicaid is a state and federal program which pays medical costs for low-income adults with or without children. Medicaid also covers people aged 65 and older, blind or disabled, or pregnant and cannot pay their medical bills. However, most people do not realize that Medicaid also pays for nursing home care as well. For seniors who require long-term care and meet the financial eligibility criteria, Medicaid has a program which covers long-term care and pays for almost 100% of their nursing home costs. To qualify for Medicaid, you must have under a certain amount of non-exempt assets. In 2020

3 Ways to (Almost) Instantly Improve Your Mood

3 Ways to (Almost) Instantly Improve Your Mood

Right now, when social distancing makes a good hug hard to come by, try these other natural ways to boost your spirits! 1. Take a walk outside A simple walk can provide a pleasant change of scenery while also stretching your muscles and improving your circulation. Brisk walking can make you feel better by releasing endorphins (the feel-good hormone) and boosting energy. Walking in nature or other “green” spaces and basking in natural light has been proven to promote a calming, meditative mental state, improving mood. Plus, studies show that exercise can alleviate long-term depression. Active

The Surprising Health Benefits of Gardening

The Surprising Health Benefits of Gardening

Most people know that gardening is an excellent way to obtain tasty, organic fruits and vegetables for your table to boost your health. However, the benefits of gardening go far beyond the nutritional value of home-grown produce. Researchers have determined that older adults who garden enjoy fitness, flexibility, physical strength, and cognitive ability, regardless of what they grow. So, you don’t have to raise edibles to enjoy many of the remarkable benefits of gardening. If you prefer flowers, grow flowers! Good for the Body Gardening helps reduce sedentary lifestyles, enhances overall

New Research Pinpoints a Blood Factor That Can Reverse Brain Aging

New Research Pinpoints a Blood Factor That Can Reverse Brain Aging

Scientists know that physical activity can boost brain health, even if the source of exercise’s health benefits have been difficult to trace. Researchers have now identified an exercise-induced blood protein that can play a significant role in rejuvenating brains and combatting cognitive decline. The substance, glycosylphosphatidylinositol (phospholipase D1)—or GPLD1 for short—is a protein produced primarily in the liver and distributed via plasma in the blood. While it already exists in humans, exercise makes more of it. Scientists have confirmed the results, but aren’t sure how GPLD1 works