Achievement & Wellness Center

submitted by Dr. Maria DiDonato, D.Ed. Psychologist, Achievement & Wellness Center, www.achievewell.net

High school was a rough ride for Roberta (not her real name); life was an emotional roller coaster. Grades at school were always in an up and down cycle, and emotional difficulties kept her off balance with friends.

Home life was a constant struggle. It seemed all areas of life were an enormous challenge, and it was difficult to sustain any equilibrium or stability for more than a week or so.

Medication helped somewhat, but was not effective in maintaining a happy lifestyle. Tears punctuated daily life and flowed frequently, as frustrations affected every area of her life.  After graduation, she watched sadly as friends made plans to go to college.

Where was her future? She wondered if she had any, which added to her tears. She was becoming more lonely watching everyone else move on with their lives, while she struggled with finding her interests.

After learning about neurofeedback, Roberta agreed to an initial free consultation. Encouraged by the effect, she agreed to continue the treatments. Gradually, as she began to improve, her tears lessened, her mood swings became less severe, and she began talking about career goals.

After seeing improvement in her coping skills, her doctor agreed to lower the medication dosage.  It was a pleasure to see her smile more and think more positively about herself and her future.  She enrolled in some courses at the community college with specific career goals.

She is moving forward with her life and loving it. Roberta remains committed to neurofeedback and the stability she is achieving in her life.

She now has the confidence to look forward to a brighter, more independent future.

Neurofeedback is a type of biofeedback that helps restore brain balance in many disorders, including depression and anxiety, often reducing or eliminating the need for medications. 

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Warmer pool, lower bills, cooler world

submitted by Mark Bortman, Exact Solar, mark@exactsolar.com

Ahh – spring has sprung! Time when people’s thoughts turn to playing outside and planting flowers.

It’s also time to think about one of my favorite summer activities – swimming.

I don’t know about you, but I really enjoy swimming. One of the things I don’t like, however, is getting into cold water.

I don’t know how my kids do it – it seems that they are part penguin (must be from their mother’s side) and dive right in no matter what the temperature. On the other hand, if the pool is cool, I’m the guy that takes forever to get in, if I get in at all.

Of course, there is a way to avoid this – heat the swimming pool. This can be an expensive proposition, however.

Natural gas, propane and electric bills can skyrocket to hundreds of dollars during the swimming season, not to mention the untold environmental impacts of mining and burning those fossil fuels.

Of course, there is a way to avoid this, too – harness the natural, free energy of the sun. Solar pool heating systems do an excellent job of adding 10 to 15 degrees to the temperature of an unheated pool.

They don’t cost much more than any other type of heater but they cost nothing to run! The heat from the sun is free and will never go up in price.

Solar pool heaters work by circulating the water from the pool through solar collectors. These collectors are made from a special blend of polymers and are designed to capture the heat from the sun and transfer it to the water.  Each collector is rated for up to 48,000 BTU’s per day.

Although solar pools heater are not as well-known as the other types of heaters, they have been around for over 30 years and their popularity is growing. They have withstood the test of time and their warranty supports this.  The panels come with a full 10-year and limited lifetime warranty – far longer than any other type of heater.

As the swimming season starts, think about the difference solar energy can make – a warmer pool and a cleaner environment. Then, make a choice to make a difference.

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Everyone can’t be an expert at everything

submitted by Michael Garry, CFP®, JD/MBA, Yardley Wealth Management, LLC

If you want to do financial planning right, find an independent CERTIFIED FINANCIAL PLANNER™ professional. Everyone who has subject matter expertise knows pretty quickly when speaking to someone about their subject, whether the other person knows what they are talking about.

I run into some people who have a very good understanding of financial planning and investing. Unfortunately, some of the people that I have met that do their own financial planning and investing have scared me with their recklessness, and it’s usually based on overconfidence in their abilities. Amazingly, the most overconfident people seem to think that they know what to do and that no one else does!

Many of the popular books for consumers tend to oversimplify things and make it seem as if anyone can read a 200-page book and then handle all of their financial planning and investment needs. In some ways, the books do a service when they tell you to avoid the big Wall Street firms.

Unfortunately, the real solution is not to try to handle it on your own, but to find an independent financial adviser who will act in a fiduciary capacity to you.

A problem with using books for subject matter advice for your financial planning and investment needs is that the authors don’t know your situation, and therefore cannot tailor their advice to your needs. Even if they could, there is just too much to put into one book.

The course work to become a CERTIFIED FINANCIAL PLANNER™ professional is thousands of pages long. How can you read 200 pages and be expected to handle everything on your own?

You need someone who can put it all together for you and that is where your independent financial planner comes in.

Find one at www.letsmakeaplan.org

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Back on track with neurofeedback

submitted by Dr. Maria DiDonato, D.Ed. Psychologist, Achievement & Wellness Center, www.achievewell.net

Davey is a very sweet six-year-old boy who came for neurofeedback treatment because of behavioral and academic problems. His mother’s concern was that he was not progressing as well as his younger brother. He seemed to always be struggling socially with communicating and academically with several readiness skills.

Mother expressed frustration because Davey was not making much progress despite consultations with the available resources.  Struggling with the academics at school and behaviors at home and school interfered with his learning progress and social development.

We set a course of remediation after a psychological evaluation and a quantitative electroencephalogram (QEEG). Mother followed through with our specific recommendations for a specialist and the child study team at school. Information from the QEEG indicated several areas of neurofeedback therapy needed in order to remediate emotional and behavioral components of Davey’s difficulties.

During the initial six-month course of neurofeedback treatment, Davey improved behaviorally and emotionally both at home and school. He began improving communication with others and making academic progress at school.

As neurofeedback treatment progresses, the next area will focus on remediating specific areas of learning disability which can help him improve and maintain satisfactory academic achievement.  When Davey is finished treatment, it is expected that his typical behaviors will be more age appropriate.

He will be happier and academic skills will continue to progress at grade level.

Neurofeedback works by improving brain function in areas that influence behavioral, emotional and functional skills. By identifying, reinforcing and rewarding the brain waves and neural pathways, brain activity improves.

As a result, skills improve, emotions become more balanced and overall well-being is achieved. 

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Why do we mulch?

submitted by Shady Brook Farm, www.shadybrookfarm.com

Spring is here! Look around and you’ll see the first signs of spring everywhere, from the vibrant yellow daffodils, to the beautiful white pear trees in full bloom.

So if you haven’t already done so, it’s time to think about mulching your property.

Why do we mulch?

The simple answer is that it makes our landscape more attractive. But think about what “mulch” is. Mulch is a protective soil covering used to help retain moisture, regulate soil temperature, prevent soil erosion, and inhibit weeds.

There are two categories of mulch:  organic (products that decompose) such as shredded wood, leaves, compost, pine needles, and grass clippings; and inorganic (products that do not decompose) including stones, rubber, or landscape fabric.

The most commonly used mulches in our area are made from wood: Bark, Triple Shred, Black, Brown, or Red Dyed Mulch. Being organic in nature, these products decompose over time and add essential nutrients back into the soil. This type of mulch is made by grinding or “shredding” twigs, branches, and other wood debris. 

Mulch is sold in bulk or by the bag. Bulk mulch is sold by the “yard” which is short for a “cubic yard.” A cubic yard is 3’ by 3’ by 3’, or 27 cubic feet. One cubic yard of mulch will cover approximately 150 square feet at two inches thick, or approximately 100 square feet at three inches thick.  

How much mulch will you need for your yard? The most accurate way to know how many yards to order is to measure the square footage of the areas you plan to mulch. This isn’t always easy and may require an educated guess for first time buyers.

The type of mulch you use is a matter of personal preference. There is no “perfect mulch.”

Think about what you are trying to achieve. If your goal is to enhance the beauty of your landscape and you want the mulch to hold the same color most of the summer (and decompose more gradually) you probably want to use dyed mulch.

If you are more interested in adding the valuable nutrients that the mulch will provide to your soil as it decomposes, “triple shred” or “bark blend” may be right for you.

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Why does financial planning seem so hard? Hint – there is a lot to it!

submitted by Michael Garry, CFP®, JD/MBA, Yardley Wealth Management, LLC

While investments have always been difficult for consumers to figure out, the ideas behind much of financial planning are still relatively new, and as the field grows it seems to get harder. There has been a surge in the available financial products, and much of the decision-making framework keeps changing.

The law with respect to taxes, retirement plans, and estate planning seems to stay in a perpetual state of flux, and the government just overhauled the U.S. Tax Code again, for about the millionth time. The financial planning marketplace is very different than it was just a few years ago.

In the past 15 years the following common investment vehicles either came into being or reached mainstream acceptance: Roth IRAs, Exchange-traded funds, 529 college savings plans, Coverdell Education Savings Accounts (Education IRAs), Series I bonds, Treasury Inflation-Indexed Securities (known more commonly as Treasury Inflation-Protected Securities, or TIPS), separately managed accounts (SMAs), hedge funds and online trading.

All of these offerings have greatly increased the options available for consumers, and freedom of choice is a great thing. Unfortunately, choosing wisely can be difficult, and sometimes having so many options makes it harder for people to figure out what to do.

We all have busy lives and don’t need to spend big chunks of it figuring out the latest consumer financial products! As a financial planning practitioner it is a constant challenge trying to keep my clients and myself properly informed; and educating the public is no picnic either.

Financial planning, for the most part, even with the wide-ranging choices, can still be a pretty simple process if you have someone who is highly qualified and independent helping you with it.

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Solar panels – MUCH cheaper than PECO

submitted by Mark Bortman, Exact Solar, mark@exactsolar.com

Take a look at your electric bill. It might be the lowest electric bill you’ll have for quite a while. The amount of electricity you use is measured in kilowatthours (kWh).  Starting April 1st, the amount PECO charges per kWh is going up about 10%.

This is on top of increases of 5% this past January and 20% last October.  Who knows how high the rate will be in 25 years?

About a year ago, I wrote an article about how much the price of solar panels had dropped. The title of the article was “Solar Panels – Cheaper than PECO.” That article discussed how the cost per kWh of a solar electric system compared favorably to PECO’s rates.

It seems unbelievable, but the prices for solar panels have continued to drop over the past year while PECO’s rates have continued to climb.  The new headline should be “Solar Panels – MUCH Cheaper than PECO.”

And one thing I can guarantee is that the energy from the sun is free and will never go up in price. Many people make the assumption that renewable energy is more expensive than fossil fuels. But that is not the case anymore.

Over the life of a solar electric system, the electricity ends up much less expensive than it is from the utility. In looking around on the Internet, you may not get the full picture.   There are pricing calculators out there for installed solar energy systems.  These are not updated nearly often enough to keep up.

In addition, the overall costs for solar energy systems vary from region to region. In Pennsylvania and New Jersey, the solar industry has been busy for quite a while.

This experience and competition among installers has helped drive costs down and efficiencies up.

With solar panels less expensive than ever, it is an option to consider.  As I like to say, solar makes sense – it makes sense for the environment and it makes sense for your bank account.

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Keep your investments simple

submitted by Michael Garry, CFP®, JD/MBA, Yardley Wealth Management, LLC

How did the recent fall in Apple’s share price hurt some bondholders? In Jason Zweig’s article in the Wall Street Journal recently, he talked about investors getting hurt by the fall in Apple’s share price, and how it hurt some bondholders.

The headline grabbed my attention.

These so-called bondholders are people who bought “equity-linked structured products” from some of the big investment banks. The investors in these products got better yields than typical bondholders, with the premise that if the underlying stock price stays flat or goes up, investors get their money back at maturity.

Seemed like a safe bet with Apple, right?

However, they probably weren’t too aware that on the flip side if things went wrong and the company’s share prices went down 20% or more, the investor wound up getting shares in the company instead of getting their money back. So the investors bought a safe-sounding product for its higher yield and will now lose a lot of money.

Zweig asked rhetorically, how would you feel if your broker called to say you bought Apple at $700 when it is trading around $440 now?

A long time ago I read some great advice in Forbes Magazine. The editor at the time said to buy stocks or bonds, or funds of stocks or bonds, and that’s all. Anything more complicated than that was made by the intermediary to make money off its customers. I couldn’t agree more.

I go two steps further.

First, I don’t buy any individual stocks or bonds because it adds risk I don’t think is worth taking. Second, I buy funds that are passively managed, like index funds. I don’t think it is worth paying extra to try to beat the markets when so few people ever do.

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Be ready for that next power outage!

submitted by Mark Bortman, Exact Solar, mark@exactsolar.com

Don’t you just hate it when the power goes out? An outage of just a couple hours is no big deal, but the extended outages we’ve had recently sure are frustrating.

Is it only going to get worse?

In light of this, many people are looking for back-up sources of power. While generators have been the most common option, more people are turning to a quiet, environmentally friendly alternative: battery back-up.

Batteries, also known as an Uninterruptible Power Supply (UPS), have been used for years to provide constant power to sensitive electronics such as computers. Recently, these systems have been expanded to be able to power more and bigger loads.

The systems can be set up to work automatically and turn on in an instant. Best of all, if the batteries are paired with solar panels, you can harness the power of the sun to keep recharging the batteries!

A battery back-up with solar power system provides clean, renewable, emergency power when there are unexpected power losses due to work on local power lines, weather disturbances or power outages.  The batteries used in these systems are not your typical rechargeable batteries.  They are heavy duty, maintenance free, deep-cycle batteries designed for this application.

A big advantage of battery back-up systems is that they are very quiet.  In addition, batteries can be “refueled” by solar power rather than diesel fuel, propane or natural gas.

Typically with the battery systems, we isolate the “critical loads,” the things in your house you want to be sure to run when the power goes out. Since the number of batteries required depends on what you want to run when electricity from the utility is not available, separating the critical loads helps limit the number of batteries and thus the cost of the system.

Think about an affordable back-up energy solution that can replace the need for fuel-based systems such as diesel generators. The solar back-up solution is low maintenance, long lasting and produces low cost renewable energy.

Next time the power goes out, don’t be left in the dark!

As always, keep in mind that there are opportunities throughout your house to save energy and money – thermostats, light bulbs, insulation and more.

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Neurofeedback: A real balancing act

submitted by Dr. Maria DiDonato, D.Ed. Psychologist, Achievement & Wellness Center, www.achievewell.net

Lois (not her real name) struggled academically and hardly could remember enough information to pass tests since elementary school.  She struggled with putting in long hours of studying, leaving very little time for enjoying herself with favorite activities.

Her parents were coaching in her studies; however, watching her struggle was a hardship for them.   Because of their frustration, they were referred for evaluation.  Following a quantitative electroencephalogram, areas of processing deficits were identified.

Lois began treatment and gradually was able to succeed with tests and was happier with her satisfactory school progress.  Later, during the time of treatment, she began to experience periods of depressed mood, sadness and irritability.  A treatment plan for depressed mood was the next step.

Gradually, her depression diminished and her irritability lessened.  While in treatment, she gradually became more independent with longer and longer periods of calmness.  She participated often at school events and enjoyed a rewarding high school experience.

Making satisfactory academic progress slowly became a routine and painless experience for her.  She was blossoming and happily making plans for college.

After successfully graduating from high school, Lois went off to college feeling more confident about herself and her abilities.  She was able to begin new studies and work successfully towards her career goals.

School is more enjoyable, she is happier and her future looks much brighter.  She is making progress in college, and has a more balanced approach to studying with a much happier outlook on life.

This young lady is accomplishing much, thanks to neurofeedback helping her to overcome any deficits she may have had. 

Neurofeedback is a type of biofeedback that helps balance brain activity to allow individuals to tap into and use their brain power more effectively. 

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