Conditions such as ADHD and anxiety can have a huge impact on the quality of life of not only the person affected, but also of the family members who struggle to help their loved one achieve a measure of calm and emotional self-regulation in their lives. There are numerous factors that impact brain health and our ability to function optimally in our daily lives. The foods we eat, the amount of water we consume, and the quality of our sleep can have a profound impact on mood and overall … [Read more...] about Looking Beneath Behavior
West Yavapai Guidance Clinic
Insurance Tips
Why do you need insurance? Insurance is how you manage risk. Essentially, you transfer the risk to the insurance company. When you buy insurance, you buy peace of mind against something bad happening. Listed below are three types of insurance that will protect you and your family. We’ll also discuss how to save money. Homeowners/Renters Insurance This is essential, in that they both will protect you against loss. If there is a fire, you will be protected. If someone breaks into your … [Read more...] about Insurance Tips
Improving Your Mental Health
Each year, millions of Americans face the reality of living with a mental illness. Let us all join the national movement to raise awareness about mental health. Let’s help to fight stigma, provide support, learn to take time for ourselves, seek professional help when needed and check in on family, friends and neighbors. This past year presented so many different challenges and obstacles that tested our strength and resiliency. The global pandemic forced us to cope with situations we never … [Read more...] about Improving Your Mental Health
Are Target Date Funds Right for You?
Target Date Funds are all the rage! Do you have your investments in them? They can be used for retirement funds, HSAs and 529s. Is this the smart direction for your investing? Will you maximize your returns? Let’s take a look at them and then you can decide if this is your best course of action. What are Target Date Funds? Target Date Funds are sometimes referred to as Life Cycle Funds. These funds take an approach based on one’s potential life cycle. For example, if you plan on … [Read more...] about Are Target Date Funds Right for You?
Home Buying: How Much Can You Afford?
Many people want to live the dream of owning their own home. Paying rent is a waste of money, they say. What you don’t want to happen is to overbuy or overextend and turn that dream into a nightmare. How much can you afford? Owning a home is special, and you must prepare accordingly. We will discuss the safeguards you need to put into place to eliminate a nightmare scenario. Often, the concept is, “I am paying rent now so if I pay the same amount for a mortgage then I will be all right.” … [Read more...] about Home Buying: How Much Can You Afford?
Beneficiaries: Why are They Important?
A task often overlooked by many is making certain that a beneficiary is named for important financial assets. If you love your loved one, do it now. Get your affairs in order. It makes no difference how old you are. This must be done for a number of reasons. The No. 1 reason is to make sure that you have provided for your loved ones. A second reason is that your wishes will be followed. If you don’t do this, the state will decide. Your loved ones will need to show proof that they have a … [Read more...] about Beneficiaries: Why are They Important?
The Debt Epidemic: Cure it Forever
America is drowning in debt. The average debt in America increased by $601 billion in the last quarter compared to the previous year. Mortgage debt rose by $120 billion. Student loan debt increased to $1.51 billion. Auto loans increased $16 billion. Credit card debt increased by $46 billion. A train wreck is in the making! Not only has the outstanding amount of borrowing been steadily increasing, but the delinquencies have grown as well. Credit card delinquencies stand at 8.36%. Student loan … [Read more...] about The Debt Epidemic: Cure it Forever
How Service Dogs Help People with Disabilities
Service animals, as defined by Title II and Title III of the American Disabilities Act (ADA), are defined as dogs that are individually trained to do work or perform tasks for people with disabilities. This disability can include a physical, sensory, psychiatric, intellectual or other mental disability. Titles II and III of the ADA make it clear that service animals are allowed in public facilities. A service animal must be allowed to accompany the handler to any place in the building or … [Read more...] about How Service Dogs Help People with Disabilities
