DIY Halloween Costumes for your Kids

Coming up with the perfect costume for your little one can be tough. And if funds are on the tight side, that can make things even tougher. Here are a few quick, simple, and cheap costume ideas for your kiddos.

  • Spelling Bee – leotard, pipe cleaners, hangers … not much goes into this getup, but it sure is cute!
  • Rocket Man – We all know your kid is out of this world, so why not show it off with the awesome rocket man costume?
  • Superhero – Superman, Batman, Spiderman … They’re all so overdone. Make your kid into their very own super hero!
  • Butterfly – This butterfly costume’s great, especially if you have a great eye for detail. Since you’re making the wings yourself, your munchkin can be any kind of butterfly they want!
  • Mad Scientist – What’s cuter than a little mad scientist, come on? And really, couldn’t get much easier.
  • Little Miss Sunshine – Both a great movie and a pretty good adjective for your little one. Very little prep for this costume, too.
  • Raining Cats and Dogs – If you like concept costumes, this one’s great. All you really need is a little hot glue for the stuffed critters on the umbrella!
  • Angel – So maybe our kids aren’t always so angelic, but at least they can look the part for a night! These wings are ridiculously easy and look great!
  • Pig in a Blanket – Another great conceptual costume, I’m thinking this would be the best for kids under 2. If they get worn out from trick-or-treating before you get home, they already have the blanket to snuggle with!

For more information (and pictures!) on how to put together the snazzy costumes featured, check out this awesome site! RealSimple From everyone here at Sweeney & Sweeney, we hope you have a wonderful, safe, and fun Halloween this year!

 


Health Care Reform: The Bill at a Glance

With the government also shutting down, I think many people have forgotten that Tuesday was also the start of Open Enrollment for the Affordable Care Act. I know many people have been confused about exactly what the ACA (A.K.A. Obamacare, PPACA, Health Care Reform) is. There has been much confusing media coverage, and people spreading around incorrect information. I just want to take a minute to give you a basic breakdown of what the bill entails.

  • No one will be turned down for coverage due to pre-existing conditions, any longer.
  • The age ceiling for young adults being covered on their parents’ health plans has been raised to 26.
  • You may have the ability to modify the way you pay for your coverage by adjusting your monthly premium payments with your deductible.
  • You may qualify for a premium tax credit.
  • Free preventative care.
  • Choose the best doctor for you within your plan.
  • Women’s health preventative care is also 100% covered.

These are just a few of the many new changes included with the Affordable Care Act. Call today to schedule your appointment to come in and get enrolled! We’ll help you find the best plan for you and your family or you and your employees! For more information on the Reform, check out our past blogs: Women’s Health Care, Pre-Existing Conditions, Improved Coverage Options, Q & A, Premium Assistance Calculation, Employer Mandate Delayed, Young Adults, Small Business Tax Credits, Individual Tax Credits, Getting Covered, Small Business, Health Insurance Plans at a Glance, Questions Answered, and many more.

 


Prostate and Ovarian Cancer Awareness Month

This month is dedicated to both prostate cancer
awareness and ovarian
cancer
awareness. Each year, about 45,000 people are killed from these
cancers with about 230,000 diagnoses annually. At Sweeney & Sweeney, we
believe that knowledge is power, so the more you know, the better protected you
can be.

Ovarian Cancer:
Ovarian cancer often goes undetected until it has already metastasized (spread)
to the pelvis and abdomen and has a ~70% mortality rate.

  •             Symptoms
    can include abdominal pressure, fullness, swelling, or bloating; pelvic pain or
    discomfort; persistent indigestion, gas, or nausea; changes in bowel habits,
    such as constipation; changes in bladder habits, including a frequent need to
    pee; loss of appetite or quickly feeling full; persistent lack of energy, and
    low back pain. You should always see a doctor if you have any signs or symptoms
    that concern you.
  •             There are
    certain things that can increase your risk of developing ovarian cancer
    including genetics (i.e. having the BRCA gene or inheriting nonpolyposis
    colorectal cancer); having a family history of ovarian cancer; having a
    previous cancer diagnosis; aging; and never having been pregnant.
  •             However,
    there are some ways to reduce your risk of developing ovarian cancer including
    taking birth control pills. If you have a genetic predisposition to ovarian
    cancer, you can talk to your doctor about other prevention methods specific to
    you.

Prostate Cancer:
Prostate cancer is one of the most common types of cancer in men, usually grows
slowly, and stays confined in the prostate gland; and has a ~13% mortality
rate.

  •             There are
    often no symptoms in the early stages of prostate cancer (which is why it’s
    important to get checked), however, at more advanced stages, symptoms can
    include trouble peeing; decreased force of the stream; blood in the urine;
    blood in the semen; general pain in the lower back, hips, or thighs; discomfort
    in the pelvic area; bone pain; or erectile dysfunction. You should always see a
    doctor if you have any signs or symptoms that concern you.
  •             Certain
    things can increase your risk of developing prostate cancer including aging,
    African heritage, family history of prostate or breast cancer, and obesity.
  •             However,
    there are some preventative measures you can take including maintaining a
    healthy diet, exercising most days of the week, maintaining a healthy weight.

Also remember, when Health Care Reform takes effect, no one
can be denied health coverage because of a pre-existing condition, so call up Sweeney
& Sweeney to discuss your options, learn more, and sign up!


Heat Wave Ahead!

With temperatures preparing to soar again, it’s important to
know how to keep your body from getting overwhelmed. After our lovely litter
cool down in the weather, many of you may have already started adjusting
yourselves to a fall schedule. Don’t be fooled! This is Chico after all … J

  • Be aware of the heat before you go out. Wear appropriate
    clothing, and make sure you have plenty of access to water.
  • If you’re a runner or enjoy some other type of daily outdoor
    exercise, be sure to not over exert yourself. Significantly increasing your
    heart rate in the heat plays differently on your body than when it’s cooler. (i.e.
    you become dehydrated quicker, you get tired quicker, more severe cramps, etc.)
  • Eating lighter meals are easier on your body for digestion
    when it’s hot out.
  • Be careful about alcohol consumption as it can impair your
    body’s ability to regulate temperature.
  • Make sure to drink plenty of water no matter what you’re
    doing. That headache that won’t quit is probably a sign that you’re dehydrated.
    (Soda and other sugary drinks are NOT hydrating) Nausea can also be a sign of
    dehydration.

Don’t get caught off guard with the sudden heat wave
expected to hit this weekend. As always, everyone here at Sweeney & Sweeney
& Sweeney wishes you a fun and safe weekend!

 P.S. Don’t forget that Health Care Reform is right around
the corner! (October 1
st) Call in to Sweeney & Sweeney today to
set up a meeting to enroll or just to get some questions answered. We’re here
to help!


Health Care Reform: Women’s Health Care

Beginning this past August, health insurance plans began covering certain women’s preventative care services at 100% (i.e. STI testing maternal support, birth control) unless you have a grandfathered plan. Now, what does this mean for you specifically? If you’re a female teen/young adult: important preventative care is covered including STI screenings, birth control as well as sometimes counseling services. If you do become pregnant, much of your pregnancy-care support is also covered through your new plan.

For women trying to get pregnant: During this time, both yours and your baby’s health are exceptionally important. You’re new plan covers many of the screenings you’ll need when you do get pregnant including Hep. B, gestational diabetes, and syphilis. Since fertility testing isn’t considered “preventative”, it’s not completely covered, but may be partially covered. Call your agent to find out what is and is not covered under your
plan.

If you’re a woman over the age of 40: Breast cancer screenings is one of the top priority for women in this age group. If detected early, breast cancer can be very treatable, and now your plan covers—completely—mammograms for every one to two years. (You only have to pay a copay if you’re under the age of 40 and not at an additional risk for breast cancer.)

For women over the age of 60: As you advance in age, your body goes through a number of changes. Regular checkups and screenings are an important part of staying healthy. These are now available at no cost to you.

Previously these services could cost you a pretty penny, but now, as long as you’re visiting an in-network doctor and buying covered drugs with a prescription, it’s all free. Feel free to call Sweeney & Sweeney with any concerns or questions, and of course, to get you a free quote on health insurance (either for you as an individual, or for your business).


Happy Labor Day!

(Labor Day, New York, 1882)

We all know Labor
Day
means a three day weekend, but are you aware of the historical
significance or what your backyard BBQ is in celebration of. My guess is
probably not. Our theory here is, “knowledge is power” so we thought you might
want the answer to this question, too!

Labor Day is always celebrated on the first Monday in
September to commemorate the contributions of our nation’s workers. This day
was first celebrated in 1894 to placate unionists after the Pullman Strike, and is
most commonly celebrated with family barbeques, often a parade of some sort,
and more recently, retail sales.

The Labor Day holiday was first proposed in 1882, with
debate as to whether it was by Matthew Maguire who worked for the CLU (Central
Labor Union) or Peter J. McGuire with the American Federation of Labor. Oregon
was the first state to celebrate the holiday on February 21, 1887. By the time
Labor Day became a national holiday, it was already celebrated in 30 states.

Following the
deaths of a number of workers at the hands of the U.S. military and U.S. Marshals during the Pullman
Strike
, the United States Congress unanimously voted to
approve rush legislation that made Labor Day a national holiday; President Grover
Cleveland
signed it into law a mere six days after the end of the strike. The
September date originally chosen by the CLU of New York and observed by many of
the nation’s trade unions for the past several years was selected rather than
the more widespread International Workers’ Day because Cleveland
was concerned that observance of the latter would be associated with the
nascent Communist, Syndicalist and Anarchist movements that, though distinct
from one another, had rallied to commemorate the Haymarket
Affair
in International Workers’ Day
.”

Sweeney & Sweeney hopes you’re having an exciting and
safe celebration this weekend and we look forward to resuming business with you
all on Tuesday!


Health Care Reform: Pre-Existing Conditions

My guess is, you at least know someone who’s heard this response to their healthcare application, “We regret to inform you that coverage has been denied due to a pre-existing condition.” If you’ve ever been denied for this reason, we have really great news for you. Under the Affordable Care Act, no one will ever be denied coverage for a pre-existing condition!

Beginning in 2014, when your coverage begins, so will the coverage for your illness. The only exception to this is if you have a “grandfathered” individual policy (health insurance not provided through your employer). If you have a policy that doesn’t cover your pre-existing condition, you can choose to switch over to the Marketplace to get your new inclusive plan.

Be sure to get enrolled between October 1, 2013 and March 31, 2014 (Open Enrollment). After the open enrollment period, you may not get Marketplace coverage unless you have a qualifying life event”. Sweeney & Sweeney is more than capable and willing to help you out with enrollment. Medicaid and CHIP will also cover pre-existing conditions.

Health Care Reform updates are coming out all the time, and the whole thing can get very confusing. We want to remind you that Sweeney & Sweeney is up to date on all the news and is willing to answer any questions, and alleviate any concerns. Call us today!

 


My Parents Just Dropped Me Off At College For The First Time. Now What?

I remember the day my parents dropped me off at school. It
was a pretty overwhelming experience. I was all of a sudden expected to live
with three complete strangers (I lived in the dorms my first year) and was
completely on my own for the first time. I think all new Freshman have a very
similar experience. Your first year can be scary, but it can also be filled
with amazing experiences, making lifelong friends, making a few mistakes, but
also learning invaluable lessons.

Let’s start with your first major adjustment you’re going to
be making: Living with strangers. Most people aren’t going to be in a
one-bedroom apartment their Freshman year (and honestly, I wouldn’t recommend
it). Although my roommates ended up being a bit of a disaster, I wouldn’t trade
that experience for anything, because I met 90% of my friends at the dorms.
These are people who are still my best friends years later. So my advice: if
you’re not getting along with your roommates, try having a meeting to resolves
issues early. If you can’t resolve your issues, get involved on campus or get a
job, something to keep you busy and therefore away from the house for as long
as possible.

The other biggest adjustment for most people is having so
much freedom and making your own rules. I know a lot of the people I knew took
this freedom as an opportunity to stay up/out super late and eat a lot of junk
food. My advice: use this opportunity to set up rules for yourself right away (i.e.
establish a routine, budget, schedule, etc.) because otherwise everything will
seem to pile up on your plate pretty quickly.

College classes are definitely more challenging than high
school classes. Number one difference, there’s more studying involved. My
advice: as a part of setting up a schedule for yourself, make sure to schedule
more time than you may think you need to school work, because there will be
more research needed, papers are longer, and tests tend to be more in-depth
than one is typically used to.

Getting connect at school can be tough with all of your
academic obligations. Especially if you tend to be on the shy side, like me. My
advice: check out clubs on campus (I go involved with my school’s Enactus—formerly SIFE—club which
gave me a ton of valuable skills and hooked me up with some awesome people with
similar interests), maybe get an on-campus job, go to orientation (as hokey as it
might seem), and—as I’ve already said—live in the dorms (if your school has
them) for at least the first year, because it ends up being kind of a lot of
forced interaction with your peers (in a good way). If your school doesn’t have
dorms, do some research ahead of time and find out where other students are
living.

Starting college can definitely be a stressful time, but
with some proper preparation, it can also be an absolutely amazing experience.
Also check out our blog with tips for
helping parents get through the first year of college!


I Just Dropped My Kid Off At College For The First Time. Now What?

We’re right at that time when school’s about to start, and
for many of you that means sending your kids off to college for the first time.
This event can be just as scary for parents as it is for your student. Below is
a list of a few things to help you through this first year:

Making sure your kids know they can always come home when
they need to is important, but just as importantly, they need to learn how to
get along on their own. It can be hard for parents to not run to the rescue
every time their new college student hits a road bump, but they have to learn
how to deal with those things on their own.

Keeping in contact with your student will probably be pretty
easy for the first few weeks while they’re still settling into their new world.
Don’t be surprised or worried if contact starts to drop off as they start to
make new friends, go out, and become a part of campus life. (Side tip:
encourage your kids to live in the dorms for at least their first year. Yes,
dorms are always terrible, but that’s where they’ll probably make 90% of their
friends) This is completely normal and should make you happy because they’re
starting to get their footing in this new atmosphere.

In the beginning, your kid is probably going to be stoked to
be out on their own, excited about their teacher, all the new information, new
friends, etc. However, many students’ enthusiasm tends to drop off about half way
through the semester as midterms come up and the work gets a little harder.
They may even start talking about dropping out, but it’s important to be a
sounding board for their frustrations and encourage them to stick it out. Good
rule of thumb, wait until the end of the year before making any decisions about
leaving or transferring. If at the end of the year they’re still hating their
experience, then revisit your options.

One of the hardest things for parents is when their children
come home for the first school break. This can be an odd experience for both of
you, because as a parent, you’ve just gotten used to not having the kids
around, and as a student, they’ve gotten used to being on their own and making
their own rules. So, in order to maintain peace, forget the old rules, and come
up with some more appropriate ones. Such as, no more curfews, but maybe agree
that if your kid’s going to go out, they should at least check in if they’re
planning on coming home very late or if they plan on staying out overnight,
just so you don’t stay up waiting and worrying (because that behavior just isn’t
ever going to go away).

Lastly, when visiting, don’t just show up unannounced. While
this may seem like a fun idea to you, your new student probably already has
plans, and it would be a little unfair for you to ask them to just drop
everything because you’ve decided to show up at their door Friday afternoon.
Always plan out visits. Plus, their living quarters are probably a disaster
zone, wouldn’t you rather them be able to have some time to clean up the place.
J


Health Care Reform: Improved Coverage Options

Part of what the Affordable Care Act guarantees, is that all new insurance plans have to meet certain requirements such as doctor visits, hospitalization, emergency care, maternity, pediatric care, prescriptions, etc.

New insurance plans will be rated based on the percentage of expenses covered by the plan and put into categories: bronze, silver, gold, and platinum. The goal of this system is to make it easier for individuals to compare plans either on the same level, or across levels, to determine which one meets your needs, best.

Plans are designed for as your coverage goes up, so does your monthly premium payment, but your out-of-pocket expenses go down when you actually receive medical care. You can also choose to go the other route where you pay less monthly, and more at the time you receive treatment. This design allows people to choose the payment plan that best suits their unique needs.