Five to nine hurricanes - with as many as four "major" ones boasting sustained winds of 111-plus mph - is what the National Oceanic and Atmospheric Administration just predicted for this year's storm season. In other words, they're calling for an "active" six months or so through the end of November.

And while no one's saying we're in for a repeat of last season's devastating triple whammy - yes, we do mean Hurricanes Harvey, Irma and Maria - ask anyone still dealing with the havoc of having had their house battered in one of those storms if they don't still wonder what more they could've done to be better prepared.

"It only takes one storm to devastate a community," said Acting FEMA Deputy Administrator Daniel Kaniewski.

Read on for some of the best advice on readying for the next (inevitable) storm.

* Check your insurance. The coups de grace for many of those hit hardest last year was discovering that they'd have to find a way to pay all or some of their rebuilding costs themselves. The reasons ranged from lack of flood insurance (only those with federally backed mortgages living in designated high-risk zones are required by law to buy it) to a local spike in the price of labor and materials.

"Hurricane Harvey (in Texas) showed that flooding can also damage properties outside the highest-risk zones," the Wall Street Journal noted, quoting a former New York insurance commissioner as saying that "even financially literate people" don't understand that floods aren't covered in the standard homeowners policy.

* Clean your gutters. Even in perfect weather, Angie's List says you're looking at a possible "nightmare" if they're so clogged with mounds of leaves, sticks, and other debris that it causes your roof to leak. And if you factor in a hurricane-strength rain, suddenly the very roofing system component meant to control the flow of all that water - thus protecting your roof, walls, foundation, and landscape from the aforementioned flooding - can be about as useful as spoiled milk.

"If you let gutter cleaning go by the wayside, it could cost you hundreds of thousands of dollars," the website warned.

* Make sure your roof is in good condition. The Insurance Institute for Business and Home Safety actually built a test chamber where experts could simulate the effects of hurricanes and other natural disasters on full-scale one- and two-story homes. So when its president and CEO, Julie Rochman, tells CBSNews.com's "MoneyWatch" that "it all starts with the roof," you need to pay attention.

"The roof," she said, "is the largest potential opening on the house, and wind and water can do terrible things if they get through (it)."

Ergo, now's the time to have a professional roofing contractor check for (and fix) any signs of wear and tear like broken or missing shingles, fractured fiberglass mat, and loosening of the self-seal strip. These tell-tale signs, especially if they resulted from damage from hail, can be difficult to spot yourself. And if you do decide to replace your roof? "Consider shingles that have passed the UL2218, Class 4 impact test," advised Jason Joplin, program manager of CARE (the GAF Center for the Advancement of Roofing Excellence).

Joplin especially likes the Timberline ArmorShield II line of shingles from GAF (gaf.com), North America's largest roofing manufacturer. In addition to looking good, they're made with SBS modified asphalt, which he described as "a rubber-like material for enhanced flexibility and durability during extreme weather conditions."

An added bonus: Depending on where you live, shingles like these could help you qualify for significant discounts on your homeowner's insurance.

* Trim weak tree branches. Need we say more than people have actually died from trees and branches crashing into their houses?

From an economic perspective, REMODELING magazine's 32nd Cost vs. Value Report states that a new asphalt roof recoups more of its value at resale compared to other home improvements such as a major kitchen remodel, bathroom addition or backyard patio.

Representing as much as 40 percent of a home's exterior, the roof is an easy way to boost curb appeal. Homeowners are no longer limited to gray, taupe and other neutral shingle colors. New palettes and color selection tools make it easy to integrate color into the roof. Today's calibrated shingles are infused with hues that add depth, dimension and subtle color.

Unsure what shingle color will best complement your home's exterior? Designer and style expert Chad Esslinger offers some tips:

* Seek out Digital Design Tools: Technology makes it easy to experiment with exterior home colors, including roofing shingles. Owens Corning® Roofing offers inspiration boards and color and design tools that allow homeowners to color coordinate their exteriors with the click of a mouse. The 2020 Owens Corning Shingle Color of the Year, Pacific Wave, is a good example of how a carefully curated shingle color can complement styles ranging from a stately Midwest colonial to a coastal beach house.

* Look around your house:

People surround themselves with colors they love - in interior paint colors, accessories such as bedding or pillows, and their closets. What colors make up the bulk of your wardrobe? If your closet is stocked with navy shirts, you may gravitate to shades of blue on your roof. Similarly, bookmarking an online search of exteriors can help you identify appealing color combinations for your roof, doors, windows and landscaping.

When searching online, look for patterns emerging in exterior color, trim and roof colors. It is likely these same shades will also appeal to you when brought together on your home's exterior.

* Go for a Color Drive: Drive around your neighborhood - or a neighborhood you like - and consider which homes and colors appeal to you. Be sure to drive by homes at different times of day and in different weather conditions so you can see how a particular color looks in sunlight, shade and when wet.

* Don't forget performance: A roof must be beautiful and able to stand up to the elements. Duration Series Shingles by Owens Corning have patented SureNail Technology in the nailing zone, giving them added performance against the elements. Homes in areas prone to strong winds and storms need extra protection against hail. Duration FLEX shingles feature a rubberizing SBS polymer modified asphalt to help guard against impact*.

When it comes to home improvements, the roof is an ideal place to connect value, curb appeal and performance. And today's shingle colors make it easy to tie functionality and aesthetics together beautifully.

While choosing an engagement ring can be exciting, the variety of settings, precious metals, and diamonds can be overwhelming. However, the following tips will help you in finding the ideal diamond engagement ring. 

Set your price limit.

Before you start shopping, know how much you want to spend. There is no right or wrong amount to put toward a ring, and many beautiful stones and styles are available to suit any budget. It's important to note that lab-grown diamonds can be up to 40 percent less expensive than mined stones. 

Learn the "4 C's" of diamonds.

These are: cut, color, clarity, and carat. Here's the translation: 

Cut: The cut of a diamond is the most important factor in determining its fire, brilliance, and sparkle.

Color: Not all diamonds are clear; some have varying tints of yellow.

Clarity: A measure of the number of flaws or inclusions in the stone.

Carat: A measure of the weight of the diamond. However, more weight also indicates a bigger size. 

Consider shape.

The common diamond shapes used in engagement rings are round, cushion, pear, oval, princess, radiant, and emerald.

Each of these shapes has its fans and distinctive features. For example, a round diamond is the classic engagement ring style, but the larger facets of a cushion style can enhance brilliance, and the elongated emerald cut presents a bold look that can make a diamond appear larger than its carat weight. 

Choose a setting.

Deciding the right setting or diamond shape for your stone is a personal decision. Some people have specific ideas for a setting, and take more time on the stone, or vice versa.

However, not all settings accommodate all shapes so it's important to prioritize one or the other if you are set on a particular shape or setting.

Typical engagement ring styles include the solitaire, a simple band that showcases any diamond shape; halo, in which a central stone is surrounded by smaller diamonds; classic, which features a row of accent diamonds along the ring band; and vintage, which replicates design styles from different time periods. 

Contemplate your center stone.

When it comes to your center stone, there are a few different options to choose from. Although diamonds are the most popular, birthstones, moissanite, and cubic zirconia are also great budget-friendly options.

In regards to diamonds, there are two types to choose from: mined diamonds and lab-created diamonds.

While mined diamonds are extracted from the earth, lab-grown stones are guaranteed to be ethically sourced and, as mentioned above, up to 40 percent less expensive.

Both types are identical in terms of chemistry and physical appearance. However, interest in lab-created diamonds has surged in recent years as more couples are concerned with sustainability, as well as beauty and romance.

1. Hangaroa Eco-Village + Spa, Easter Island, Chile (hangaroa.cl). Located on the mysterious Easter Island in the South Pacific (home to mythical Moai statues), Hangaroa allows adventure-seeking travelers to get an inside look at the Rapa Nui culture and history. Guides lead guests to centuries-old archeological sites to unravel the mystery of how the giant, hand-carved heads came to be. Must-sees include the Rano Raraku volcanic crater (home to the island's largest statue) and Anakena Beach, where Polynesian culture first came ashore 800 years ago. For those wanting something more adrenaline pumping, opt for an ATV to explore the island.

The hotel stays true to its eco-friendly ethos. The 75 oceanfront rooms feature handmade clay tubs, stone showers and lots of natural light. After a day of exploring, head to the spa to be pampered with ancient rituals. A new added bonus: Full Experience guests can choose to dine at one of two local restaurants, including Kana Hau, which has a traditional Rapa Nui dance show!

2. The Singular Patagonia, Chile (thesingular.com). Situated in the heart of Southern Patagonia, The Singular is indeed a singular experience.

Once a cold storage plant at the epicenter of the sheep farming industry a century ago, the property has been resurrected as a luxury hotel (and a museum)! However, mother nature is the real draw. Just as previous explorers did, guests immediately fall in love with the surrounding awe-inspiring nature, as this bucket list hotel sits on the shores of a Fjord overlooking the snow-capped Andes. Guests feel like pioneers as they explore the area by private boat discovering glaciers and hidden waterfalls. Other once-in-a-lifetime excursions include trekking through Torres del Paine National Park, horseback riding across an "Estancia" with real-life gauchos or kayaking down winding rivers.

Any adventure wouldn't be complete without incredible food. The Singular uses locally sourced ingredients to deliver local favorites with a french flair. Try the hotel's traditional "Asador" (barbecue), set in a former Blacksmith's workshop serving a variety of locally raised meats.

3. Careyes, Pacific Coast (careyes.com). Careyes is a destination unto itself where the jungle meets the sea, spanning more than 20,000 acres of nature reserve. A vibrant community of international residents and visitors spread across the property's Ocean Castle villas, Casitas and El Careyes Club & Residences along the cliffside, Careyes is more than just a beautiful resort. It is a one-of-a-kind opportunity to commune with nature, explore your sense of spirituality and appreciate the beauty of the earth and sea.

Rest assured, all of the unique accommodations are bucket-list worthy. The Ocean Castle Villas feature infinity pools, lush gardens and luxurious furnishings. The beachfront El Careyes Club features five infinity pools, the La Duna restaurant and spacious one- to four-bedroom suites perfect for families or groups. Careyes is an ideal location for a winter getaway, especially at one of their annual special events, including ArteCareyes Film Festival, Agua Alta Polo Tournament and the Ondalinda Festival.

4. Le Torri di Bagnara, Umbria, Italy (letorridibagnara.it/). If life in a sprawling castle sounds appealing, visit this 1,500-acre Italian estate owned by descendants of Napoleon Bonaparte. This restored medieval castle accommodates groups from 15 to 30 people, who enjoy the privacy of a private home coupled with the safety, security and amenities of a luxury hotel.

Le Torri di Bagnara has an official hotel license guaranteeing the highest standards, setting it apart from other Italian villa rentals. The estate boasts an infinity saltwater pool, stone barbeque, and vegetable gardens. Savor locally grown ingredients from the estate's working farm, including extra virgin olive oil, as well as truffles and mushrooms foraged right on the grounds.

Special activities include cooking classes, wine tastings, mountain biking, truffle hunting and photography. For families, a kids' playground keeps the little ones entertained. A must: soar high above the estate and surrounding countryside in a hot air balloon, followed by a gourmet picnic.

5. Costa Rican Vacations, Costa Rica (vacationscostarica.com/). Travelers seeking the ultimate in eco-travel, adventure and luxury can find it all through Costa Rican Vacations, which create complete and customized Costa Rican experiences. A popular place to start is Playa Cativo Lodge on the Osa Peninsula, which fronts a mile of pristine beach offering plenty of wildlife. Use the personal binoculars to catch close-ups of birds and sea turtles, plus a can't miss, whale-watching tour. Other must-do activities include a private air tour of the Sirena Ranger Station at Corcovado National Park or a visit to Nayara Springs, where the villas have private terraces with private plunge pools overlooking the Arenal volcano.

For the ultimate luxury experience, check out Costa Rica's Four Seasons in Guanacaste, where visitors can expect the ultimate in amenities and service, with offsite adventures, including zip lining, horseback riding and ATV tours.

6. Manoir Hovey, Quebec, Canada (manoirhovey.com/). Manoir Hovey, a five-star Relais & Châteaux resort in the Eastern Townships region of Quebec, was built in 1900 and inspired by George Washington's Mount Vernon estate.

The property is 90 minutes from Montreal and retains its historic charm; most of the 36 luxurious rooms feature wood-burning fireplaces, private balconies, and views of Lake Massawippi.

Foodies will have a field day at Manoir Hovey. Le Hatley, the hotel's fine-dining restaurant, is ranked among the best in the world, and chef Alexandre Vachon presents modern and diverse menus that showcase regional ingredients.

Guests can enjoy the bucolic country scenery and a range of activities year-round, including kayaking, canoeing, and stand-up paddle boarding in the warmer months, as well as guided speedboat tours and fly fishing.

Fall is an excellent time for foliage tours and hiking nearby, while in the winter, guests enjoy ice fishing with a local guide who sets up a sheltered area on the frozen lake, complete with a pizza oven on skis. Complete a bucket- list item with a thrilling dogsledding experience.

With this in mind, Home Instead encourages caregivers to take a minute to recognize and embrace their own feelings and needs. It can be difficult to watch your aging parent or loved one go through the trials of getting older without it taking a toll on your own health. It's natural to feel anxious, guilty or sad as a family caregiver. In fact, 53 percent of family caregivers admit to feelings of major depression.

That is why it's critical to find a balance between your caregiving responsibilities and your personal needs. When you're on a plane, flight attendants always emphasize that, in the case of an emergency, adults should secure their own oxygen masks before helping children. This is because the adult won't be able to help if they do not have the strength themselves.

Taking care of an older adult is similar: it's not selfish to take care of yourself first so you are well enough to take care of them.

If you or someone you know is feeling the pressure of being a family caregiver, here are some tips from Lakelyn Hogan, Home Instead Senior Care gerontologist and caregiver advocate, to help overcome the feelings that can get in the way of enjoying time spent with family.

* Identify and accept feelings of guilt. Recognize that feelings of guilt are common - so common, in fact, that 85 percent of caregivers have reported such feelings have taken a toll on their mental health.

* Find support. Go to supportive family and friends to talk about your emotions. There are also many types of professional support groups available. Discussing your emotions is not a sign of weakness; it's a sign of self-care and awareness. According to a 2015 study by the National Alliance for Caregiving and AARP, approximately 34.2 million Americans had provided unpaid care to an adult 50 or older in the last year, making it likely that someone else you know is going through the same things you are.

* Be kind to yourself. Remember that you are doing the best you can and be proud of that. For humans, guilt is a natural emotion that can make it harder to see the bigger picture. Like clouds on a rainy day, the feelings you are experiencing will pass.

* Create an action plan. Take a moment to reflect on why you might be having feelings of guilt. Is caregiving preventing you from doing something you want to do or coming between you and something you value? Create a plan and set a realistic goal for yourself to accomplish these things and relieve yourself of some of your guilt.

* Make time for yourself. While caregiving can be time-consuming, you should never lose sight of what makes you, you. Carve out time to take a long walk, meet with a friend for coffee, or cross off steps in your action plan. In the long run, having just 30 minutes a day to yourself will benefit your physical and mental health.

Remember, you are not in this alone. Try to set aside time for yourself and lean on others for support.

For additional caregiving tips and resources, visit www.caregiverstress.com or, contact your local Home Instead Senior Care office or www.homeinstead.com.

Neauvia International Group recognizes this incongruity and aims to transform the way we practice beauty and solve skin care challenges by extending its premium energy-based devices into the United States.

In the hands of trained medical aesthetics professionals, Neauvia devices leverage sophisticated technology such as thermo-lifting and water peeling to deeply target your areas of concern. With years in the global skin care market, Neauvia's approach pairs this advanced technology with specially formulated skin care for remarkable results.

"Over a decade of Neauvia's international skin care success has taught us that a single product does not meet the overall demands of and desired outcomes for patients or providers," says Sean Wilson, President of newly launched Neauvia North America. Best-in-class treatments do, however. They also require training and certification. So, take time to research your local plastic surgeons, dermatologists, aestheticians and med spas because they offer you access to these revolutionary non-invasive treatments that are not available for home use, and to professionals qualified to use them. They'll work with you to customize an optimal treatment plan to achieve your desired results.

Often, using multiple technologies per session yields a marked difference. The Zaffiro treatment combines thermo-lift technology with the gentle exfoliation of water-resurfacing and specific solutions for your skin type and desired results. It delivers lifted, tightened and hydrated skin with less visible lines and wrinkles.

Energy-based devices strengthen and surpass home treatments. Let's say you love the fresh feeling and smooth, even texture of your skin after you do an at-home face scrub. Try adding a water-peeling facial like the Zaffiro treatment once a month for more deeply cleansed and revitalized skin.

Treatments can rejuvenate beyond your face and neck. Zaffiro's thermo-lift technology gradually heats the deep layers of the skin, stimulating collagen and prompting lifting and tightening effects. It can be applied to tighten the décolleté and upper arm skin, give the tummy and derriere a firm appearance and even help tighten up post-pregnancy belly skin.

Innovative energy-based devices can yield beautiful effects by working with the body's natural functions in a way that is safe, reliable, and non-invasive. They're less costly and require little to no downtime. This makes them an excellent way to fine tune your appearance and delay signs of aging without a lengthy recovery time. In fact, many of these innovative treatments provide results when done over a lunch hour! Dr. Joshua Weitz, MD, CEO of Dermatology Associates of Rochester sees them growing in appeal and use. "The non-invasive market is the future, and I anticipate Neauvia will be a guiding light in providing exceptional solutions," Weitz says.

A well-rounded skin routine ensures that your actions - daily, monthly, over time - compound for outstanding outcomes. Incorporating treatments using Neauvia energy-based devices is simple yet addresses the complexity of your skin and helps attain your best overall skin health and appearance.

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