Friday, January 22, 2016

US Media Studios Digs Out the Best Tips for Winter Storms

No matter where one lives, winter storms can wreak havoc. From heavy, wet snow piling up on sidewalks, driveways and roads to heavy rain flooding street, US Media Studios digs out the best tips for handling winter storms.

Here it comes, America. A massive blizzard threatening to bury the nation’s capital under 2 feet or more of snow. In the South, heavy rain and the possibility for tornadoes is in the wind.  How do we deal with it all?

Snow, Ice and Cold Weather
Snow and the underlying ice under it can cause roads to be especially hazardous to pedestrians and vehicles. Snow can also be very heavy to shovel for even the most fit person. Shovel heavy snow in small increments. Go slowly. Work one foot at a time. After each section is clear, throw some rock salt on it to melt the ice. Then move on to the next one foot of space.

Wear warm clothing in layers.  Don’t forget to wear a hat and something to cover most of the face. This can helpful in the prevention of frostbite and hypothermia. Also, wear warm, waterproof boots when walking in the snow and on ice. If heading to work, carry dress shoes in a tote bag.

Driving in snow and on snow is no fun. Always be sure the vehicle is in top condition with proper snow tires and with at least a half a tank of gas. Keep a warm blanket in the car with non-perishable snacks like granola and protein bars. Keep smart phones fully charged if possible. Let others know the route and estimated time of arrival.

Rain, Flooding and High Wind
US Media Studios is located in South Florida where even brief periods of torrential rain can flood surface streets and limit visibility to less than two feet. Contrary to what most people believe, it is not recommended to turn on emergency lights when driving slower than the speed limit in heavy rain. This leads other drivers to think there is a problem. Instead, turn headlights on low and take it as slowly as needed.

High wind can also wreak havoc on the road and at home. To avoid accidents and damage, move small objects like potted plants and yard decorations into a secure shed or garage. Find a parking spot away from flooded areas.

If stuck indoors for a few hours, be sure to have the supplies needed.  High wind and blinding rain are good reasons to stay home.  Never try to venture out in rough weather.  If one must head out, take extra towels in a plastic bag to dry off in the vehicle.  Make sure all lights and the windshield wipers are in good working order. Wear seatbelts and take your time.

Be safe this winter.




Friday, January 15, 2016

US Media Studios Lists the Best Free Online Marketing Tools for Small Businesses

Small businesses often have small operating budgets. Marketing activities usually fall behind when there is little money to promote the product, service and company. US Media Studios looks at the best, free online tools.

Automation can be a saving grace to entrepreneurs and small business owners. Fortunately, there are some great resources to use that automate social marketing campaigns. Hootsuite is an online source that allows users to schedule Facebook posts, tweets on Twitter, blogs on Google+, and images on Instagram. Set up is easy and is one-shot deal.  Automated email program such as MailChimp are free at the basic level give the business owner a way to reach out and connect via email with their customers.  Website traffic analyzing tools give entrepreneurs a way to see what prospective customers are looking for on their websites and tailor marketing to it.


Most free, online marketing resources also offer upgraded plans which cost very little per month to use. Also, as much as some people don’t like to receive requests to complete a survey, this form of marketing can be valuable to the small business owner. Free plans include 10 survey questions, 100 responses and provides the business owner a valuable, free resource for data collection and analysis. US Media Studios encourages readers to look into these tools to determine how to better promote their products, services and brands. 


Monday, January 11, 2016

US Media Studios Explains How Americans are Prepared to Retire

It seems there is a lot of bad news in the nation about how prepared the next generations are for retirement. While many people plan to keep working through their retirement years to be able to meet monthly household expenses, US Media Studios learns there is good news comes that 45 percent of the working public is on track to live comfortably after they reach retirement age.

It is essential that retirement savings tools and resources are used to calculate how much will be needed. But here are some other tips from Fidelity to help everyone obtain what need financially to have a decent retirement:

  • Save 15% of pay. If the employer matches contributions, that counts.
  • Replace retirement portfolios that are too conservative or aggressive with one that allocates according to age guidelines.
  • Work until the full retirement age of 66 for early boomers, and 67 for those younger than that – not age 65 as most retirement calculators figure.

As US Media Studios often reminds readers, if health and lifestyle permit, work longer, perhaps part-time, as a contractor or as an adviser. Keeping busy and active are keys to a longer life. And isn’t it better to have a longer life when the savings are there to support it?

We concede that it can be very difficult to save anything when jobs disappear, there are older parents to care for, adult children come home to live, and health challenges around every corner. The trick is to have retirement savings automatically deposited from paychecks into retirement accounts. Out of sight is out of mind and out of mind is money socked away for the time when is just that – work. And it’s time to leave.



Friday, January 8, 2016

US Media Studios Reviews Retirement Savings Plans for Boomers

As baby boomers face retirement in the coming years, most are not financially prepared to live the life they envision. In fact, many plan to keep working as long as possible to keep earning money. Others plan to work part-time jobs to keep some income coming in. US Media Studios reviews retirement savings plans for boomers.

A recent survey from TransamericaCenter for Retirement Studies (PDF) found that two-thirds of the baby boomers they interviewed plan to keep working past age 65 or don’t plan to retire at all. This is a common plan among workers age 50 and up. With fluctuating pay rates, periods of lengthy unemployment, poor job opportunities, and illness, it is increasingly more difficult to save for the non-working years. The little most people can put away in a retirement plan barely adds up at the end of the year.

More than one-third or 39 percent of those surveyed said they expect to earn income by working into and during retirement. Part-time and contract work are two employment types that help retirees make ends meet or give them a little extra padding in the wallet. But many people expect to earn the same salary in retirement as they do when working full-time, even though this is not realistic.

US Media Studios finds it alarming that one-third or 35% haven’t made a retirement plan, and only 14% have a written plan. As most people know, a household budget keeps expenses in line. It makes sense then to have a written retirement plan.


Workers in their 50s might want to reduce living expenses, have automatic withdraws from payroll checks to deposit into retirement accounts, and work with a financial professional to hammer out retirement plans. Retirement comes sooner than most of us expect. 


Monday, January 4, 2016

US Media Studios Reports on the Benefits of Workplace Wellness Plans

Workplace wellness plans are popular and successful. More employers are offering them as are health care brokers and health insurance companies. But employees are the true winners. US Media Studios reports on the benefits of workplace wellness plans.

A recent Aflac survey found that employees report being more satisfying in their job with the plan in place. A strong healthcare benefits package and programs to break bad habits, lose weight, and maintain better health are all a part of making and keeping workers happy and in their jobs.

A few of the favorite healthcare perks from employers include: healthcare spending accounts, employee assistance programs, onsite medical care, onsite or company-sponsored fitness classes, and dental coverage. After all, the mouth is the first avenue food takes on its way through the digestive system.


US Media Studios also notes that most major health insurance companies also offer reward programs to incentivize good, everyday health giving employees the added perks of savings on big ticket items, gym membership, and other goodies. Does your company offer one?