Tissues are a household staple, with many of us using them daily.  However, most people are unaware of the dangerous chemicals incorporated into the product and their harmful effects on our health.  

The EPA recently declared that exposure to even minute levels of the chemicals (PFAS) could cause health issues.  Although they are not an immediate threat to health, prolonged exposure to PFAS is linked to thyroid disorders, cancer, and immune system issues, among other things.  PFAS are also everywhere, and they are virtually indestructible.  

PFAS IN THE NEWS
By Pierre Mouchette | Bits-n-Pieces

​You have seen the TV commercials and the headlines in your local newspapers.  PFAS In Drinking Water!  Now shedding light on the reality that drinking water is one of Americans' most common ways of exposure to these toxic chemicals. 

A letter of medical necessity (LOMN) is a document from your licensed healthcare provider recommending a particular treatment, product, or equipment for medical purposes. 
 
The LOMN is also required to reimburse medical procedures, supplies, or equipment when you use a health savings account (HSA) or flexible spending account (FSA).

Cash on delivery, or COD, is a payment method that allows buyers to wait until they receive the goods they have ordered before paying for them.  Offering an option for COD payments presents significant risks to sellers but also brings distinct advantages.  

​Sticking to a medication routine or medication adherence means taking your medications as prescribed, at the correct dose, at the right time, and in the right way.

​We do not know for sure if sugar is addictive.  Still, you can display addictive behaviors when exposed to sugary products, such as binges and cravings.  Consuming too much sugar is linked with many health problems.  Fortunately, there are things you can do to limit your consumption of added sugar.

Preparing For Your Doctor’s Appointment
By Pierre Mouchette | Bits-n-Pieces

What to do
Prepare for your appointment by making a list of:

• Verify that your Personal Medication List (PML) is up to date.
• Write down any symptoms you are experiencing, including any that may seem unrelated to the reason for the appointment.  If you experience pain, note when it occurs, such as when you wake up or at the end of the day.
• On a separate paper, note any significant stresses or recent life changes.

While an owner-occupied multi-family property may present challenges for new investors, they also have the potential to take an investor’s career to the next level.  Understanding the financing options available is the first step in realizing the financial benefits of living in a unit of your multi-family property.  Consider the pros and cons to help determine whether adding an owner-occupied multi-family property to your portfolio would be a good investment strategy.

Real estate investing is a great way to take control of your finances and supplement your regular income.  There are many beginner-friendly strategies to choose, though knowing where to start can be intimidating.  An investment type new investors should consider is single-family residences or SFR real estate.  These properties offer steady cash flow and can teach beginners about rental property management.
 
SFR real estate can also be profitable to established investment portfolios.  Single-family homes are widely available and experience consistent demand.  Consider the benefits of single-family properties regardless of where you are on your investing journey.