Universal Resources

The Best Gift Ever – Making a Will
The Best Gift Ever - Making a Will Losing Herman was one of the hardest things that had ever happened. It was so sudden, but what was even more unexpected was when Mary found out that the home she and Herman had enjoyed for their 12 years of marriage was now owned by...
Last Will & Testament: Yes, you need one
We, as humans, don't like to face our own mortality. Though we all know we will one day die, in our conversations we often refer to this inevitable event as "if something happens to me" rather than "when something happens to me". At some point, if we want to do what...
Get More From Your Kitchen Renovation
In addition to being one of the most popular renovations homeowners complete, the kitchen often nets the highest return on your investment (ROI) relative to other areas in your home. While many homeowners give the kitchen a minor update to keep it modern, others...
Benefits of Great Credit
Whether you want a loan to make a large purchase or you’re applying for a job, a high credit score may give you an advantage. It not only helps you secure a lower interest rate and save money over the life of your loans, it also demonstrates to lenders and potential...
Benefits of Debt Reduction
If you’ve set a goal to pay down your debt this year, you’re not alone. According to a study by NerdWallet, more than 40% of Americans have this goal in sight. Strategically reducing or paying off debt benefits your finances tremendously, but can positively impact...

Why Chocolate Shouldn’t Be a Guilty Pleasure
Why Chocolate Shouldn’t Be a Guilty PleasureHow do you find happiness in your life? I eat chocolate.All of us walk through a world each day that is fast-paced and filled with so many different obstacles. Life is both beautiful and ugly at the same time, and with our...
What to Do When Quarantine is Beating Up Your Healthy Habits
Talk about Life Change! The whole world is going through a HUGE life change right now with the Coronavirus pandemic and quarantine. Our whole world has turned topsy-turvy. The sacrifice is worth it, though. Most of us are anxious for the health and safety of...
Take Care of Yourself with Telehealth
You Can’t Hit Pause on Your HealthWhen you have a big life change, you’re stressed and pressed for time. Unfortunately, your health care needs don’t stop. You still need physical therapy for your back. Your son still needs to work on his “t’s” with his speech...

Use these 4 spring cleaning tips as we head into warmer months
Thankfully – finally – there is light at the end of the tunnel for all of us suffering through the cold winter months, which means one thing: spring is right around the corner!Spring months means summer months aren’t far behind, that means it’s time to get a jump on...
“Macros”
As a Certified Health Coach helping clients understand the role of macros in the diet is important. Learning the correct balance for your body is essential. At Total Transformation Training we are here to help you achieve your goals. Not starve or eat weird yucky...
It Doesn’t Have to be a Butterfly
Focus Your Joy: It doesn’t have to be a ButterflySo often people are looking for the perfect situation, the perfect place, the perfect circumstance. What I recently discovered, though, is that the best things come in many packages and are disguised in many...
How to Prevent Wrinkles: The Full Story
Do you feel you understand how to stop your skin from wrinkling? Do you want to do something more about it right now? Are those ads with amazing pictures, claiming to be “grandma’s miracle wrinkle remedy” true? How about the fancy name wrinkle reducer creams, endorsed...
Best Anti-Acne Skin Care Tips
Signs: small bumps and pustules along the hair line, forehead, jaw line, neck, back, and chest Tips: always wash after sweating using a zinc pyrithione cleanser to control the pityrosporum yeast. Alternate this with a pore cleanser that can loosen clogged pores using...
Skin Care Facts You Should Know (Part 2)
Fact: Popping pimples is not always bad We all know that popping a pimple can be bad. Especially popping zits that aren't ready, because the trauma of this to your skin can lead to scarring, red marks or hyperpigmentation. There is also a 'danger triangle' on the face...

How to Tell if Turquoise is Real – What’s In Your Jewelry Box?
Is Your Jewelry Box Full of Genuine Turquoise or Fake Turquoise? We all have those treasured pieces handed down from our mom or grandmother. Sometimes it's hard to know if pieces are real or costume. While nothing can replace the sentimental value of those things, if...
How to Survive the Craziness of an Insane World
I don’t know about you, but these days it feels like we’re living in this Stealers Wheel classic song: I don’t know why I came here tonight, I got the feeling that something ain’t right. I’m so scared in case I fall off my chair; And I’m wondering how I’ll get down...
Why Optimism is Your Most Important Resource
Like it or not, "normal life" has changed. These COVID-19 pandemic circumstances have required us to adapt and/or change our normal routines. And that’s stressful. In fact, it’s the very “definition” of stress: being knocked out of homeostatic balance. And it’s...

Having Trouble Sleeping through the Night?
Do you wish you could sleep as well each evening as your young child can? Are you tired of getting up throughout the night, interrupting that deep, restorative sleep we all require?