Community News
Financial Fitness

A relatively new financial offering, residential sale and leaseback (aka Sell ’n STAY) allows homeowners to leverage the equity they have built up in their home without having to leave it, since they can sell their home and lease it back. A couple of important things you should know about Sell ’n STAY include: 1) It involves fewer restrictions. Reverse mortgages often have age restrictions, while HELOC loans often have credit restrictions. Sell ’n STAY offers more flexibility. 2) It’s a good option for those who are more concerned with a stable place to live than with owning a home.

Cherish the Memories When Downsizing

Downsizing is often a stressful process — both emotionally and physically. When the time comes, give yourself plenty of time for the process to make it seem less overwhelming. As you go through and sort things, recognize and acknowledge the sentimental value of a once-prized stuffed bear and decades-worth of Mother’s Day cards. Grandma’s bone china will remind you of all the happy family times. It is ok to get lost in nostalgia. Remind yourself that the memories will always be there, but the future holds an infinite number of new memories and possibilities. Trust the process and enjoy every moment.

Calming Anxiety with CBD Oil

CBD oil has received a lot of attention recently as the nonintoxicating cannabinoid that can potentially alleviate myriad symptoms and conditions. Of those, anxiety is at the top of the list. A 2015 study found that CBD reduced symptoms of anxiety in people with a diagnosed anxiety disorder. Brain scans of participants revealed changes in blood flow to the regions of the brain linked to feelings of anxiety. In this study, CBD not only made participants feel better but also changed the way their brains responded to anxiety. Just like with any medication, speak with a professional to see if the use of cannabis is right for you.

Clean Ducts for Clean Air

When cleaning your home, don’t forget about your ductwork. Just because you don’t see inside your ducts doesn’t mean you don’t breathe what comes out of them. Each time your heating or air conditioning system comes on, debris in your ducts become airborne, resulting in poor indoor air quality. What are the benefits of duct cleaning?
Having your ducts cleaned helps:
• Improve the air quality in your home.
• Ensure your furnace and air conditioner operate at maximum efficiency. Dirty ventilation systems can lead to clogged air conditioner coils and furnace filters, as well as contaminated blower wheels that could result in a breakdown.

Aging At Home

Many seniors would prefer to stay at home than move into a senior care home, but there are some challenges to consider. Factors like finances, physical mobility, social network, health concerns, and safety in the home are all things to think about. If you decide to remain in your home, discuss your plans with your family or a trusted advisor. It’s important to prepare your home to ensure you can live comfortably and safely there, using various aids and tools to make things easier. In-home care can also provide much-needed day-to-day support, as well as transportation to appointments and gatherings.

Natural Product Spotlight

The Raspberry Moisturizing Cream for dry and mature skin by Herbs & Butters Skincare is all-natural, vegan, biodegradable, and contains no parabens, sulfates or formaldehydes. Intelligently formulated with love by a local chemist, this lightweight moisturizing cream offers deep hydration and effectively improves the skin’s overall texture and elasticity. Raspberry seed oil helps to promote the regeneration of new skin cells, fights age spots and protects against premature aging. Other key ingredients like macadamia nut oil, sea buckthorn oil, oat protein, hemp seed oil, avocado oil, and olive oil help to effectively protect, soothe, moisturize, and nourish the skin.

Young Living – For Men

After a workout, massage the Cool Azul™ Pain Relief Cream into your skin for relief of aches and pains. Your muscles will thank you for ditching the synthetic ingredients and you can continue crushing the weights, tearing up the fairway or hiking to your highest heights. When you’re done, treat your face to Shutran™ Shave Cream and stand out from the pack. It is full of hydrating ingredients and pure essential oils that’ll give you a close shave with a great fragrance. Lastly, for a great super-charge, grab some NingXia Zyng™ for a delicious splash of hydration.

Stress Handling With Biofeedback

Lately life has been a bit of a roller coaster, to say the least. Anxiety, stress, and worry feel like constant companions. Unmanaged, this can lead to health issues such as trouble sleeping, headaches, depression, and exhaustion. Alternative approaches such as Biofeedback testing and treatment are very effective in handling stress. It detects imbalances, or weaknesses, in the stress handling areas of the body, and in turn, stimulates the affected areas to help the mind and body process and handle stress better. When it comes time to get back to normal activities, make sure that your body and mind are ready to enjoy everything that we’ve been missing.

Overcoming Dentist Anxiety

Dental phobia has become ingrained into our society with phrases like ‘pulling teeth’ being used to mean difficult and unpleasant. As a result, an important part of the dentist’s role has become putting the patient at ease, making them secure and comfortable. Those with dental phobia tend to avoid dentists. Unfortunately, putting off regular checkups is a good way to end up with gum disease or other problems, which is why establishing a good patient-dentist relationship is so important. If you are a person who suffers from dental anxiety, mention it to your dentist and they will work with you to find a way to alleviate the stress.

Grief and the Power of ‘Being With’

Whether we have lost a person, a pet, or a home, there is now an empty space where something valuable used to exist. Supporting someone you love through their grief does not require you to know all the right words. It simply requires intentionally showing up. It can be as simple as sitting with someone in silence, checking in after the initial loss, or even creating rituals or ways to honour the grief and loss together over time. “Being with” someone in grief or allowing others to show up for you is the most powerful way to navigate loss without feeling lost.

To listen to our full podcast, visit our website – www.safeharbourtherapy.com

Book Club: Digital Executor®

Unraveling the New Path for Estate Planning – Sharon Hartung. The world has gone digital and so have our estates. Digital assets may simply be electronic records, but they are the digital gateway to our entire lives. They are our memories, our money, and our records, making technology the new player at your estate planning table. Everyone needs a Will and in today’s age of digitization, estate plans must include our digital lives. If today’s executor is a digital executor, is your executor ready?