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Secrets to fear-free social media use

5/8/2013

(BPT) - Many Americans love social media, but it scares them, too. While they are reconnecting with old high school classmates, viewing photos of a colleague’s new baby and chatting with a friend about a new job, social media users are also worrying about having their identity stolen from a social media site.

That fear, however, is not stopping them from including on their profiles the kind of personal information that identity thieves love, a new study from TransUnion indicates. Nearly half of participants in the Google Consumer survey commissioned by TransUnion said they were concerned about having their identities stolen from a social media website, yet more than a third also said they included personal information such as their birth date, address, employer and phone number on their profiles.

“Social media is a great way for people to connect and exchange ideas, but social media users need to be careful about what personal information they include in their profiles,” says Heather Battison, vice president of consumer education for TransUnion. “Remember, the general rules of connecting and engaging with others online is the same in social media as everywhere else – use common sense when giving someone information.”

Social media users can better safeguard their identities with these tips:

* Less is more: Avoid giving out personal information on social media sites, such as address, phone number or your birth date. Omit this type of information from your profile. Identity thieves can open accounts and commit a number of financial crimes with just this information.

* Never leave a cookie trail: If you use a public or work computer to log into your social media accounts, do not save your password on that public PC. Beware – some social media sites default to automatically remember your password when you sign in, so be sure to check (or uncheck the box, if needed). If the site autosaves and you don’t catch it, your account may open up and be accessible the next time someone else uses that PC to visit that website.

* Lock it up: Change your privacy settings on all social media accounts to the most restrictive, which allows you to control all information that is posted. Set your profile to “private” and make sure you have to approve all friend requests, comments, photo tags, links or posts that appear on your page.

* Get creative with passwords: Create intricate, unique passwords for each social media account. Change passwords every few months.

* Avoid over-sharing: Never reveal travel plans on social media sites. If they know your house is empty while you’re away, cyber thieves could become actual thieves, and break into your house to rob it while you’re out of town.

* Teach children about social media safety: While your children may be more adept at navigating the Internet than you are, they may not fully understand the implications of posting private information, photos or potentially offensive material. Make sure your children understand and follow the same rules as you do for social media use.

* Monitor your credit: Make sure you periodically check your credit reports for accuracy and consider signing up for a credit monitoring service, which can alert you by email to changes in your credit report – a helpful way to prevent identity theft.

For more information on how to minimize your exposure to identity theft, visit www.TransUnion.com.

Top three reasons to find your banking bliss

3/25/2013

(BPT) - What would you do with an extra hour this week? Maybe you would sit down to watch your favorite TV program, jump back into that book you’ve been dying to finish, or pick up the phone to catch up with an old friend. Gaining an hour this week may be as simple as having a good relationship with your bank.

“A recent study showed that happy banking consumers spend an hour less on average per week worrying about their fiscal affairs,” says Ryan Bailey, executive vice president at TD Bank. “Finding a bank that will alleviate your financial stress is much easier than you think.”

When it comes to selecting a bank, it’s important to choose wisely advises Bailey. “While banking is a necessity, that does not mean that all financial institutions are the same in terms of the value they provide. Research shows that having a consistent, positive banking connection can lead to a happier and healthier financial state overall,” Bailey says.

Take a look at the top three reasons to find bliss with your bank:

Have less financial stress

According to a recent poll from TD Bank, those in happier banking situations are more positive about their current financial state and 60 percent of these consumers report having low or no financial stress. Similarly, the American Consumer Satisfaction Index reported that customer satisfaction has increased by 2.7 percent from last year to 77 percent, suggesting that consumers are feeling the love from their banks. What defines a good connection is unique to each individual, but research has shown the majority of people define a good banking experience by exceptional customer service. If you’re not feeling satisfied with your bank, it may be time to reconsider what you need in a financial institution.

Be more fiscally confident

When assessing their current financial situation, consumers in a happy banking relationship are more confident in their financial future and reaching their personal goals, studies show.

A bank should be more than a place to withdraw and deposit money; a great bank will be a financial partner and offer you the opportunity to have broader financial conversations to help you achieve your fiscal goals.

If you’re unsure of whether your bank is truly committed to you as a partner consider these questions: Are you currently able to bank on your terms, to fit your schedule? Do you need to visit your bank earlier or later than normal business hours? Do you plan to conduct banking on weekends? How likely is it that you will need to speak to a bank representative to discuss your finances? Look for a bank with expanded conveniences and financial choices; this added value in your banking experience will contribute to a more positive outlook and less financial stress.

Have more time and less worry

Find a bank that respects your time and fits your financial needs into your schedule – not theirs. In addition to offering standard banking services, more and more banks are making customer service and convenience a priority. TD Bank, for example, has real people available 24/7 and will even chat with customers on Twitter to provide customers support whenever it’s needed. Look for a bank that opens early and stays open late so you can bank on your schedule.

If you’re among those who are not happy with their bank, have high financial stress, and feel you spend too much time worrying about your finances, consider making a change. One of the best and easiest ways to try another bank is to open a checking account. You’ll get a feel for a bank’s customer service, accessibility, and added financial value right from your first transaction – some banks even offer instant issue debit cards, so you can be up and running by the time you walk out the door.

Ultimately, using a bank that makes you a priority, is accessible whenever you have questions, and offers reliable financial information will help you to reduce stress and feel more confident about your financial future.

Money advice for expectant and new parents

2/5/2013

(BPT) - Have you ever heard the saying that “babies don’t come with owner’s manuals”? It’s true that no matter how many books you read, classes you take, or experienced parents you talk to, you can never be completely prepared for the challenges and joys of parenthood. You can, however, prepare yourself for the costs of a new baby – by looking after your finances before your bundle arrives.

New parents don’t always prepare for the expenses associated with having a baby. One survey by Redbook Magazine and VISA found that less than 50 percent of expectant parents create a new budget that includes baby expenses. And while 76 percent of parents-to-be felt financially prepared for a baby, after the tyke arrived, 41 percent of new parents said they weren’t as prepared as they had thought.

Taking steps like clipping coupons and buying secondhand clothes can help new parents save cash, but other important financial considerations – such as protecting their credit scores – require advanced planning. Here are some tips to help expectant and new parents to look after their finances:

Before the baby arrives

* Review your health insurance and what it covers. The full costs of pre-natal care, maternal care and delivery are not always covered by all insurance plans. As soon as you know you are pregnant – or when you make the decision to conceive – contact your insurer and ask for a detailed explanation of benefits. The Redbook survey found that unexpected hospital costs – things that couples thought their insurance would cover – cost one in four new parents more than $2,000 from their own pockets. Knowing what’s covered, and what’s not, can help you determine how much cash to set aside for hospital expenses.

* Review your credit. One way or another, you will be spending money – a lot of it – when the new baby arrives. Whether you need to tap credit to buy nursery furniture or need a good credit score so you can get a better auto policy that costs less, it’s important to understand this aspect of your financial well-being. Enrolling in a product such as freecreditscore.com can help you understand your credit score and status, which can help you make informed decisions about how you will use credit during this potentially financially challenging time.

* Create a spending plan. Your overall spending plan should not only include a budget for day-to-day costs like diapers, but a long-term plan for larger expenses such as nursery furniture, day care, and college savings. It’s important to estimate not only how much you’ll spend but when you’ll spend it, too. For example, your short-term budget may include the cost of a crib – an item you will need immediately – but you may be able to postpone other furniture purchases like a dresser or changing table.

When you’re new parents

* Buy wisely and frugally. From clipping coupons to buying off-brand names or purchasing from second-hand stores, it’s possible to equip your baby with everything he or she needs at a fraction of the cost of buying brand new, brand-name retail products. It’s normal to feel pressured to buy new, top-of-the-line luxury items for your baby, but used items and off-brand products can be just as good. Check out online ratings for a used item’s durability before you buy it, and see what other consumers have to say about cheaper brands of diapers, baby wipes and clothing.

* Continue to keep an eye on your credit; it’s a key element of your financial health. Good credit directly affects your ability to buy that bigger house you need as Junior starts to grow, get an auto loan for a minivan, or secure a new job in some cases. The Internet can help. For example, freecreditscore.com offers a Score Planner that lets members and nonmembers see for free how their financial behaviors can affect their credit scores.

While nothing can really prepare you for the agony of sleepless nights with a newborn or the joys of seeing your baby take his or her first steps, it is possible to prepare for the financial responsibilities associated with becoming a parent.

Reinvent dinner in minutes with common pantry staples

2/25/2013

(BPT) - Busy families face the dinnertime challenge every day. Not only do they need to find a nutritious meal the entire family will enjoy, but they need to do so in a limited amount of time. With a few tricks, it’s easy to get out of the dinner rut and score big with tasty, wholesome meals that use pantry staples in creative ways.

Rice is a pantry staple that has unlimited possibilities, if you think outside the box. Explore new ways you can add flavor and depth to Minute (R) Rice and create satisfying, wholesome dishes in just a few minutes.

Why choose rice? Not only is it a healthy and gluten-free complex carbohydrate, it’s versatile, too. Traditional Minute(R) White Rice is precooked, dried and ready in just five minutes and family members of all ages enjoy it. Minute(R) Whole Grain Brown Rice is another option if you want to kick up the fiber quotient of your meal.

While most people view rice as a simple side dish, if you take a more inventive approach, you’ll find it is a great way to enhance almost any recipe. Try adding it to soups, side dishes, main dishes, appetizers and even desserts. It’s even a great way to start the day off right. Here are a few creative ideas you can try at home:

* Enhance chili: Not only can you add rice to your favorite broth-based soups, try adding some to your chili recipe. Not sure about adding it directly to the chili? Cook separately and place a serving in a bowl, then top with chili.

* Wrap it up: Chop your favorite veggies and meat, and cook in a pan. Add cooked rice and then wrap all ingredients in a tortilla for a quick and filling dinner. Have leftovers? Chilled wraps are great for brown-bag lunches.

* Chop it up: Rice is a great addition to dips and salsas. Try mixing cooked rice, fresh tomatoes, onions and your choice of peppers in a blender or food processor. Enjoy the fresh flavors with crackers or chips, or add to make a breakfast omelet in the morning. Rice can be used in any meal or snack throughout the day.

* Jazz it up: Rice is a great base that can be spiced to your exact taste preferences. Try adding some chili seasoning for heat, or sweeten it with some chopped dried fruit and a touch of honey. Try cooking rice in broth, fruit juice or stock for additional flavor. Visit www.love-every-minute.com for more recipe ideas.

Rice is far from boring or bland. At just pennies a serving, it’s fun and affordable to experiment and find new meals for your family. Try these two delicious rice recipes for family dinner tonight:

Yummy Orange Chicken and Rice
Makes 4 Servings

Ingredients:
1 jar (12 ounces) orange marmalade
1/2 cup orange juice
1/2 cup water
2 cups cooked chicken, grilled or roasted (Alternative: try 2 cups cooked turkey)
1 large orange, washed and thinly sliced
1 cup frozen sugar snap peas, thawed
2 cups cooked, Minute(R) White Rice or Minute(R) Brown Rice
Slivered almonds, optional

Directions:
1. In a small sauce pan add in: marmalade, orange juice and water. Simmer until blended and reduced by about half. It should be like syrup.

2. Add chicken, orange slices and peas until all are hot.

3. Serve over rice. If desired, sprinkle with slivered almonds.

Classic Minute(R) Rice Pudding
Makes 4 Servings

Ingredients:
3 cups milk
1 cup Minute(R) White Rice, uncooked
1/4 cup sugar
1/4 cup raisins
1/4 teaspoon salt
2 large eggs
1 teaspoon vanilla
ground cinnamon, optional

Directions:
1. Combine milk, rice, sugar, raisins and salt in medium saucepan. Bring to a boil, stirring constantly. Reduce heat to medium-low; simmer 6 minutes, stirring occasionally.

2. Beat eggs and vanilla lightly in a small bowl. Stir small amount (about 1/2 cup) of hot mixture into eggs. Stirring constantly, slowly pour egg mixture back into hot mixture. Stirring constantly, cook on low heat 1 minute until thickened. Do not boil.

3. Remove from heat. Let stand 30 minutes. If desired, sprinkle with cinnamon. Serve warm. Store any remaining pudding in refrigerator.

4. Create flavorful new varieties of rice puddings by trying different types of dried fruits, such as dried cherries, chopped dried apricots, chopped dried pineapple or dried sweetened cranberries.

Safer flying strategies for travelers with peanut allergies

4/17/2013

(BPT) - From bag-checking charges and unexplained delays to rude fellow passengers and flight attendants who are having a bad day, flying can be a huge hassle. If you’re among the approximately 1 to 1.5 percent of Americans living with a peanut or tree nut allergy, boarding a commercial airplane can raise concerns that you might experience a rare in-flight reaction.

Coping with a peanut or tree nut allergy, however, doesn’t mean you – or your peanut- or tree nut-allergic child – have to forego the convenience of air travel. You can take steps to minimize your risk of having an allergic reaction while flying – and at least one study indicates that being proactive can make a positive difference in your travel experience.

The international study, published in the Journal of Allergy and Clinical Immunology-In Practice, found that peanut and nut-allergic travelers who took certain actions lessened their odds of a reported in-flight allergic reaction. The study’s lead author, allergist and pediatrician Dr. Matthew Greenhawt of the University of Michigan’s Food Allergy Center and C.S. Mott Children’s Hospital, is also a medical advisor to Kids With Food Allergies, a division of the Asthma and Allergy Foundation of America.

Peanut and tree nut allergic travelers can take steps to minimize the risk of a rare reaction while flying. The steps include:

* Visit the website of the air carrier and read about their policies for travelers with allergies. If you don’t see what you’re looking for on the website, contact the airline directly.

* Speak up. Well before you fly, inform the airline of your peanut allergy. Keep in mind that asking for accommodations was one of the eight steps the study found that helped travelers reduce their risks of having an allergic reaction while flying. Requesting a peanut- or tree-nut free buffer zone (such as no peanuts three rows before and behind yours) and asking that other passengers not eat peanut- or tree-nut containing products were also important steps, researchers found. If you are experience a reaction, notify the crew and seek their assistance to help with treatment.

* Carry a written emergency plan with you on your flight so that others will know what to do to help you in case a reaction occurs. Always travel with a fresh supply of epinephrine auto-injectors and keep them with you at all times. They should be kept in your carry-on and stored beneath the seat, in the overhead bin (less preferable because it’s more difficult to access) or in the pocket of the seat back in front of you. Keep the medicine in its original packaging with the prescription label to help security officers quickly recognize it. If you forget to bring your dose on board, immediately notify the crew so they can check the on-board medical kit, which contains epinephrine, as a failsafe if a reaction did occur.

* Consider wearing medical identification jewelry. These life-saving tags could help alert others to what’s wrong if you do suffer an allergic reaction.

* When you get to your seat, use an antibacterial wipe to clean all surfaces you may touch, including the seat, arms and the tray table in front of you. This was another helpful action noted in the study. Some families also bring a sheet or blanket for a peanut- or tree-nut allergic child to sit on so he or she doesn’t come in contact with any allergens that prior passengers may have left behind.

* Dine safely on food you’ve brought yourself. Though obvious, this is a big difference-maker. On most airlines you can request a peanut/tree nut-free meal, but eating your own food can also provide peace of mind. The study found this was one of the risk-reduction steps travelers found effective. Bringing your own food ensures you know exactly what is – and isn’t – present in what you’re eating.

* Don’t use airline pillows or blankets. This was yet another risk-reducing measure that the study noted which helped travelers reduce their risks of having an allergic reaction while flying. If you need these items for your flight, bring your own, so you can be sure to avoid allergens that may linger on airline-provided products.

“People with peanut or tree nut allergy can continue to fly and be empowered by these suggestions for ways they can potentially reduce their in-flight risk of a reaction,” Greenhawt says. “Again, data from this study has shown that the risk of reaction appears to be very small. For those who have not flown because of a peanut or tree nut allergy, we encourage you to consider doing so, as we hope these steps will reduce your anxiety and empower you to take that trip you have always wanted to.”

For more tips for traveling with food allergies, visit www.kidswithfoodallergies.org or www.aafa.org.

Why a normal Pap test may not mean you are cancer-free

5/13/2013

(BPT) - Many women know that getting a Pap test regularly from their health care provider is a good way to check for signs of cervical cancer, the second most common cancer in women worldwide. What they might not know is that a “normal” Pap result does not necessarily mean they are cancer-free.

A recent study involving more than 800 patients in a large health care plan found that about one in three women with invasive cervical cancer actually had normal Pap test results. Other research suggests that a single Pap test can miss early signs of cervical cancer up to half the time.

While the Pap test is valuable, it does not always detect cancer cells early, when treatment is easiest and most effective. By the time a routine Pap test detects abnormal cell changes in the cervix, cervical pre-cancer may already be occurring.

As a result, the American Cancer Society and several medical groups now recommend that women between the ages of 30 and 65 be tested for certain types of human papillomavirus (HPV) – the main cause of cervical cancer – along with their Pap test.

Of the more than 100 types of HPV, the most common sexually transmitted infection, most are harmless and are cleared naturally by a person’s immune system. In fact, 70 to 90 percent of sexually active individuals will have some type of HPV at some point in their life. But a few types, known as high-risk HPV, can develop into cancer, sometimes decades after a person has been infected.

The two highest-risk types, HPV 16 and HPV 18, are responsible for two-thirds of all cervical cancer cases. So, if a woman does test positive for HPV, it’s important for her and her doctor to know which HPV type she has, to more fully understand her risk.

Advances in laboratory medicine now allow health care providers to screen women specifically for high-risk HPV types. By ordering a high-risk HPV test along with a Pap test, a doctor can find out more about a woman’s risk for cervical cancer. One test in particular, called the cobas HPV Test, gives health care providers individual results for HPV 16 and HPV 18, along with a grouped result for other high-risk HPV types, all in one test. A Pap and an HPV test can be done using the same sample, so all the information is available from just one office visit.

Coupling an HPV test with a Pap (co-testing) provides so much more valuable information about a woman’s risk for cervical cancer that several medical groups now say that women ages 30 to 65 only need to be co-tested every five years if neither test shows new abnormalities.

Although advances in medicine like HPV testing are enabling doctors to provide better care with less frequent testing, many women are still in the habit of having an annual Pap test, and it may be difficult to get used to the change. But there are still many reasons for women to continue their yearly OB/GYN or family physician wellness visits. Perhaps the most important one is that the goal of an annual exam has always been to do a comprehensive review of a woman’s health.

Even without the need for an annual Pap test, yearly well-woman visits are as important as ever for ovarian, uterine, breast, cardiovascular and sexual health, as well as for colon cancer screening, osteoporosis prevention and immunizations.

For women who are concerned about the cost of a yearly doctor visit, it may be helpful to know that annual well-woman visits and certain preventive care services are required to be covered by many insurance providers without a co-pay or deductible under the Affordable Care Act. For non-grandfathered plans, this applies to any new plan year that begins after August 1, 2012. This coverage requirement extends to HPV testing for women ages 30 to 65 as well.

National Women’s Health Week is May 12 to 18, the perfect reminder for women to schedule their annual exam if they haven’t done so yet. More information about Pap and HPV co-testing and knowing a woman’s risk for cervical cancer is available at www.facebook.com/PreventCervicalCancer.

How to find the right vet for your pet

2/5/2013

(BPT) - Pet owners have many responsibilities, and keeping your pet healthy with veterinary care is a significant one. To help make sure your pet receives high quality medical care, several veterinarians offer advice on how to find the right vet for your pet.

Ask for recommendations
“A good way to begin your search for a high quality veterinary practice is to ask for recommendations from friends and family,” says Dr. Meredith Hope, fulltime Veterinary Technology instructor at Brown Mackie College - Louisville. “Word of mouth from people with experience as a client can be valuable. You can also read online reviews and look at veterinary websites for information on specific doctors and practices.”

Dr. Barry Kellogg, senior veterinary advisor of the Humane Society Veterinary Medical Association, suggests paring down your list of options by looking for a practice that is certified by American Animal Hospital Association (AAHA). This independent organization has developed accreditation standards to measure excellence in veterinary medicine. “AAHA represents the gold standard in quality,” Kellogg says. “Certification is voluntary and shows that a practice goes above and beyond to ensure certain standards are met both for the doctors and the facility.”

Visit the practice
“Practices grow by developing relationships that show you are valued as a client,” says Hope. The temperament and qualifications of the overall staff say a lot about the practice. “Staff members trained as registered veterinary technicians (RVTs) are a good sign of quality care,” continues Hope. “The training provides clinical competence and technical knowledge.” This can go a long way in easing your mind about the people who will play a major role in your pet’s care.

Doctor credentials
One of the first things many people notice about the veterinarian is his or her bedside manner. Are you comfortable talking to and listening to this person? Keep in mind you are looking for a medical expert; you want to weigh more than personality. “How do you know what the vet knows?” asks Kellogg. “Technical knowledge and educational status aren’t easy to judge from the outside. Your decision should come from a blend of interpersonal relationship and educational knowledge and credentials.” Credentials are typically displayed on an office wall in the form of a Doctor of Veterinary Medicine degree.

Accessibility matters
In addition to office visits, how accessible is the veterinarian or a professionally trained staff member to answer your questions on the phone? “If a practice is too busy to respond, you may want to rethink your decision,” says Kellogg. “You want access to guidance when you have a question about your pet. As a client, you deserve personal service and attention. Some practices now use email as a forum to answer questions.”

Overnight essentials
In case your pet ever requires surgery and an overnight stay at the veterinarian’s office, it’s a good idea to ask up front about overnight care. “Some practices have an attendant on site throughout the night,” Hope says. “Others may assign a staff member to check in periodically. If there is no night staff, many will transfer the patient to a local ER veterinary clinic for overnight monitoring.” Each pet owner must decide what seems right for each pet. “Animals need some kind of supervision, even after a simple spay procedure,” says Kellogg. “The larger multi-doctor practices may be more available to staff the facility at night, sharing off-hour coverage.”

No one knows your pet better than you do
“Veterinary care involves give and take between you, the doctor and the staff. Most pet owners want to make their own decisions about their pets with appropriate guidance from the practice,” says Kellogg. “I feel a veterinarian’s responsibility is to present treatment alternatives objectively and let the individual decide how to proceed.”

Experience an extraordinary life with diabetes

4/18/2013

(BPT) - According to the Centers for Disease Control and Prevention (CDC), approximately one in 10 Americans is living with diabetes and one in three adults could have diabetes by 2050. While every case requires an individual treatment plan, with the right attitude and management, people living with diabetes have an opportunity to overcome the challenges they face.

Stephen Richert, a mountain climber and founder of LivingVertical, is an example of someone who embraced his diabetes diagnosis head-on to push himself beyond what most people thought was possible for a person living with diabetes. When he was diagnosed with type 1 diabetes at age 16, Richert made a conscious decision to learn all he could about diabetes so that he could continue to pursue his passions. He did not let his diagnosis stop him from achieving the extraordinary. Since then Richert has been sending a powerful message of inspiration through his organization and lifestyle to those living with diabetes.

“When I learned I had diabetes, I made a choice to not let it take control of me. My diagnosis inspired me to find a way to push my limits through climbing - which came into my life right around my diagnosis - since I was told that I may never be able to safely do that,” Richert says. “I wanted to rewrite the terms of what having diabetes means - what we can and can’t do.”

Recently, Richert accomplished his most ambitious challenge to date: Project 365. Through internal strength and motivation, he was able to climb every day for 365 consecutive days.

“My wife and I decided to do Project 365 because we felt that my experience of living with diabetes wasn’t really represented anywhere,” Richert explains. “We felt that the message of empowerment is one that is highly understated - and that needed to change. We saw a lot of people getting behind diabetes ‘cure’ research, but saw very little emphasis on living powerfully until that cure is found. We wanted to serve as that inspiration for others living with diabetes.”

Richert recognizes that it is critical to have the right devices and technology from brands you trust to manage a lifestyle with diabetes. When Richert is climbing, he uses the Duracell powered ACCU-CHEK Nano blood glucose meter to monitor his blood sugar levels - it offers the peace of mind that’s needed, especially during extreme conditions like mountain climbing. Trusting that your diabetes management tools will work when it matters most is a vital part of the equation.

Aside from having the essential technology, Richert advocates for educating yourself on your body and being in tune with its needs. “Eating a healthy diet, monitoring blood sugar levels and maintaining a healthy weight can help people better manage their diabetes,” Richert says. “Don’t be afraid to learn about your body. It is your own lab, your own experiment. Find out what works and what doesn’t. Do and eat what works for you. If you don’t like your body’s response, if your sugars are not good - then do something different!”

Along with partnering with a physician for a diabetes management plan that’s customized for individual needs, Richert’s extraordinary journey points to keeping a positive outlook as a key component. As Richert puts it, “If we put our goals as the focus and accept that there is a way to get from wherever we are to where we want to be, the subsequent steps will reveal themselves. Attitude is everything.”

For more information about the Duracell powered ACCU-CHEK Nano blood sugar meter, visit Duracell.com/cbfinder or accu-chek.com/Duracell.

The changing role of parents today [Infographic]

5/3/2013

Family life is radically different than it was even a decade ago. Today’s parents have to adjust to the ubiquity of social media and changes in traditional roles, but they are finding ways to adapt and keep the family bond strong.

Choosing the right financial products for all stages of life

5/23/2013

(BPT) - No matter where you are in your life, you have a lot of decisions to make. When to buy your first house? What school to attend? Is it the right time for a job change? As things change in life, those changes influence your financial decisions, too.

Thrivent Financial for Lutherans has put together a high-level overview of the financial information you should be aware of and consider during the various stages in your life. This is intended to be informative only, and everyone’s needs will vary based on their personal situation. You should always seek advice from a licensed professional when considering the purchase of financial products.

20s

In your 20s, you’re usually just starting off in your first job and struggling to make ends meet; beginning to build a financial portfolio is probably not at the top of your to-do list. However, this can be a critical time as it can set your financial foundation for the rest of your life. A top priority should be building an emergency savings account to help you get through an unexpected loss of a job or a large and unexpected financial obligation. This should be separate from your normal savings and should only be drawn from under extraordinary circumstances.

Also consider looking into disability income insurance, to make sure your income and savings are both protected if you were ever unable to work due to a long-term illness or injury. Disability income insurance will serve you well throughout your career and the sooner you purchase, the better-protected you’ll be.

Additionally, this can be a time to begin thinking about starting an investment portfolio, if you have the means, as the longer you’re invested the greater potential for long-term growth. Work with a financial professional to ensure your investments align with your appropriate level of risk for your specific situation.

30s

Your 30s are the prime time to continue building a solid financial future. Hopefully you’re comfortable in your career, perhaps have gotten married and may even have begun building a family. This is when your financial options start to open up and you may want to start thinking about life insurance to offer protection for your family’s future against an unexpected death and loss of income. Term insurance for yourself and coverage for your children are usually affordable, easy to procure and can offer additional financial protection for you and your family.

This is also when you should be getting serious about your savings plans. Retirement savings should be at the top of your mind, as you’ve started to make more money in your 30s and are becoming more comfortable navigating your bills and expenses. IRAs, 401(k)s, annuities and other retirement savings tools are important for you at this stage - the earlier you start saving, the more you’ll accumulate. And it’s never too early to start thinking about college savings for children.

40s

In your 40s, many people have teenage children, tackle new challenges and opportunities in their professional lives and have established a level of income they can rely on comfortably. You can start to work with your child to investigate the various options (savings, aid, loans, grants, etc.) to help pay for post-secondary education. This also might be a time to start considering additional life insurance, as your assets and need for protection have grown as you’ve prospered both personally and professionally.

Since you’re probably about halfway through your career, you should also start to keep an eye on the retirement horizon and on your overall retirement strategy. Make sure it aligns with your goals and dreams for after your career ends.

50s

Your 50s are an exciting time in your financial life. Your children have probably left the nest and retirement is just around the corner. You should think about establishing a floor of guaranteed income, possibly by purchasing an annuity or insurance product, to meet your essential expenses that will continue into your retirement. This is the time to start considering how you want to live in retirement and beyond. What level of income would you like after you retire and how will you maintain your standard of living? Are you protecting your savings from the high costs of extended care? Whether you’re looking to purchase long-term care insurance or not, this is also a time when you should discuss your extended care plans with loved ones, and how that might affect everyone involved.

60s

In your 60s, your retirement has probably arrived or is right around the corner. This is where managing assets, investments and financial strategies are critical. Even at this stage of life, it is important for you to have some of your financial assets in an investment portfolio carefully managed for growth consistent with your risk profile. Meeting regularly with your financial representative at this life stage will help you stay on track with your financial goals.

This is also when you should consider leaving a legacy through a life insurance policy that designates your children or a favorite charity as a beneficiary. The death benefit from life insurance can ensure that your spirit of generosity lives on and the causes you care about will be supported in the future. Another option for securing your future is Medicare supplement insurance, which will help with medical bills not covered by Medicare. This protection can help safeguard your retirement assets from additional costly medical bills.

No financial journey is the same. We all have different needs and goals at different stages of our lives. However, with a solid financial program in place along with the support of a financial professional, you can be prepared to make a lifetime of wise financial choices.

Reduce brain drain in your kids over summer

5/9/2013

(BPT) - The second the school bell rings signaling that school’s out for summer, it seems that children immediately forget everything they’ve studied over the past nine months. When they return to school in the fall, playing catch up takes time.

Studies show that this brain drain can result in as much as a few months’ worth of learning lost over the summer. The achievement gap widens in the fall as students struggle to “relearn” what they knew the spring prior.

"Typically, teachers spend the first week to the first two months of the school year trying to bring student knowledge up to a specific level in order to advance their learning," says Debra Hill, associate professor in the College of Education at Argosy University, Chicago and immediate past president of the Association for Supervision and Curriculum Development. "This is found most commonly in math, where review can last through the first full semester in some grade levels."

So when all your kids want is down time, how do you keep their minds tuned up?

While proactive summer learning can certainly improve a child's retention rate, the way that they learn in the summer may be different from how they learn while in the classroom. "Learning is an ongoing, lifelong activity," says Hill. "A mental break for your kids in the summer should occur not based on learning, but based on the activities students engage in related to learning. Summer should be about more reading for fun, exploration, communication and application of what they have learned.

"Since students do not often practice by doing or by teaching others, it would follow that the application of what they have learned in school through hands-on activities in the summer will assist in retention in the fall," says Hill. "Hands-on experiences, conversations and physical activity will help kids continue to be mentally active." Providing students with opportunities to participate in activities they consider fun will not lessen the learning.

"The more you can keep your students accessing previously learned knowledge in a new and practical way, the more it is likely to get implanted and permanently ingrained in their brains," says Kevin Yeoman, an instructor in the Game Art & Design program at The Art Institute of Fort Worth.

Family meals, trips to the store, collecting shells on the beach, heading to sports camp and almost any other activity can have a learning component if parents engage in conversation with their kids about the activity. "Learning a new skill, or about a new place, or a different way of doing something, or meeting new people are ways of studying. There will not be a test, yet the new information contributes to the overall mental growth of the individual," says Hill.

"Keep your students actively engaged in the world," says Yeoman. "The more they can apply their book knowledge to new experiences and activities they enjoy, the more learning will take place.

"You don't want to create a resistance to learning by forcing your child into the same types of activities they do during the year," says Yeoman. "Instead, take the lessons they've learned in school and apply them to everyday situations. Whether it's having your child map out the route to the grocery store or use basic geometry to create a sandcastle, you're providing them the opportunity to apply their book knowledge in a new way."

And that can even hold true with video games. "There are excellent technology tools such as video games and online projects that are educational and engaging," says Hill. "The key is balance and not encouraging kids to focus most of their time on their electronic toys.

"Ask kids what they like and want to do," suggests Hill. "As an adult, examine what learning can take place when your child gets to select the activities they participate in. Talk to your kids, ask questions, provide problems to be solved, give them opportunities to explore and model what it's like to be a life-long learner."

There's more to Girl Scout cookies than what's in the box

2/8/2013

The skills a girl develops in the Girl Scout Cookie Program help her to do amazing things. She learns that, by putting her mind and energies into something, she can overcome any challenge.

There are no limits to what a girl can do. See what Girl Scouts across the country are achieving through their participation in the Cookie Program. Find your cookies and download the new Girl Scout Cookie App at www.girlscoutcookies.org.

How to recharge your resolutions

2/26/2013

(BPT) - Many find that the new year is a time to wipe the slate clean. In fact, 45 percent of Americans made New Year’s resolutions, according to the Journal of Clinical Psychology from the University of Scranton. But while it is easy to make resolutions, the hard part is actually following through with them.

By the first few weeks of the new year, nearly two-thirds of Americans who made resolutions will have already broken them the journal also states. Avoid becoming a failed resolution statistic and get back on track with a few simple steps.

With one third of all New Year’s resolutions relating to money, according to the journal, here are some tips to help beat the odds and keep financial resolutions this year.

Invest in success. If the goal is to get finances in order, take the time to set up mobile banking. It only takes a few minutes and ensures that all the tools needed to manage finances on to go are on hand.

Become a smarter shopper. Earning cash back can be easy. Tap into cash back deals such as BankAmeriDeals(R), which does not require clipping coupons, or use a rewards credit card like the BankAmeriCard Cash Rewards Card(TM), which lets you earn cash back on every purchase year-round. Even small amounts of cash back on everyday purchases add up throughout the year.

See your progress. Write down the resolution and put it in a place that can be seen every day. For example, to save a certain amount by a certain time, set interval goals and track the progress on a continual basis. It will feel great to see the successes every week and provide motivation throughout the year.

Be in good company. Anything is possible with some support from a loved one. Make a pact with a friend to keep each other accountable in keeping goals. Check in regularly with them, offer encouragement if goals are not being met and celebrate in each other’s successes.

Eliminate the hurdles. Be set up for success by accessing tools that make it easy to achieve resolutions. If the goal is to save money, tools like the Bank of America mobile app can help people stay in control of their finances with features like Mobile Check Deposit and Email and Mobile Transfers.

Remember it is never too late to set goals for the New Year. For more information, visit www.bankofamerica.com/mobilebanking. Bank of America, N.A. Member FDIC.

Tips for new Mother's Day and Father's Day traditions

4/3/2013

(BPT) - Families have many special traditions to celebrate Mother’s Day and Father’s Day. Starting new traditions around these days is also common. If your family is looking for some new ways to enjoy Mother’s Day or Father’s Day this year, check out these tips and gift ideas that will help make your celebrations special:

* Shop, dine or donate – Mother’s Day and Father’s Day are when we recognize parents for starting their families. This year, March of Dimes is launching the imbornto campaign to celebrate a powerful truth that every baby is born to do something great, but first they have to be born strong and healthy. Every time a baby is born, so are a new mom and dad. That’s why March of Dimes is the “Official Partner of Mother’s Day and Father’s Day,” encouraging you to shop, dine or donate where you see the imbornto seal to help continue the organization’s 75 years of research, education, vaccine development and medical breakthrough. imbornto partners include Martha Stewart Living Omnimedia, Inc., The Bon-Ton Stores, Bliss Carpets, Farmers Insurance, Kmart, Mud Pie, Beaulieu, ProFlowers and First Response. Visit www.imbornto.com to learn more.

* Good eats - New delicious recipes always bring flair to family gatherings around the dinner table. Make it a fun event by having family members create these recipes together, and then present them to mom or dad with a flourish of colorful cards, fresh cut flowers or brightly-wrapped packaging. Here are some great recipes from the kitchens of Martha Stewart Living Omnimedia, Inc. to try:

Grilled Potato Slices with Salt and Vinegar

Prep time: 5 minutes
Total time: 50 minutes
Yield: serves 4

Ingredients:

1 pound potatoes, preferably fingerling, cut lengthwise into 1/4-inch-thick slices
2 cups white vinegar
2 tablespoons extra-virgin olive oil
1 1/2 teaspoons coarse salt, plus more for sprinkling
1/4 teaspoon freshly ground pepper

Directions:

Bring potatoes and vinegar to a boil in a medium saucepan (vinegar should cover potatoes). Reduce heat to medium-low, and simmer potatoes until just fork tender, about 5 minutes. Let potatoes cool in vinegar for 30 minutes. Drain well, and gently toss with oil, salt and pepper. Preheat grill to medium-high. Grill potatoes in a single layer until browned on both sides and cooked through, about 5 minutes per side. Sprinkle with salt before serving.

Brown Sugar and Pecan Sticky Buns

Prep time: 25 minutes
Total time: 55 minutes plus resting
Yield: serves 12

Ingredients:

All-purpose flour, for work surface
1 recipe basic pizza dough, or 2 pounds store-bought pizza dough, thawed if frozen
1 cup plus 6 tablespoons unsalted butter (2 3/4 sticks), room temperature
1 cup packed dark-brown sugar
1 1/2 cups pecans, chopped
1/2 teaspoon coarse salt

Directions:

On a floured work surface, roll dough to a 10-by-18-inch rectangle. Dot upper two-thirds of dough with 1 cup butter and fold dough like a letter. Roll dough to a 10-by-18-inch rectangle. Refrigerate on a baking sheet until firm, 1 hour (or up to 1 day). Preheat oven to 350 degrees. In a small bowl, combine sugar, pecans and salt. Leaving a 1/2-inch border, dot dough with 6 tablespoons butter and sprinkle with sugar mixture. Starting at a long end, roll up dough like a jelly roll. Cut crosswise into 12 pieces. Place each piece, cut side down, into 2 jumbo muffin pans or a 9-by-13-inch baking pan. Bake until golden brown and cooked through, 30 to 40 minutes, rotating pans halfway through. Immediately invert buns onto a serving platter or baking sheet. Serve warm.

Cook's note:

Folding butter into the dough creates a flaky, rich result. This recipe works well with store-bought dough, but it's exceptional with homemade.

* Family activity time – Spending the day together is the best way to celebrate Mother’s Day or Father’s Day, so find an activity everyone can enjoy. Maybe it’s heading out to watch a movie, going to the local park for a long walk or bike ride, or crafting a household decoration together.

All members of the family can enjoy Mother’s Day and Father’s Day, so consider trying out a new family tradition and make the celebration even bigger this year.

Bridal trends transform grandma's china from vintage to vogue

3/26/2013

(BPT) - New brides are transforming something old into something new. That’s according to the latest bridal tabletop trends.

While in recent years brides have been registering for casual dinnerware, lately industry experts are seeing brides returning to fine china. Sales indicate they’re opting for porcelain and bone china, which are more durable than stoneware because these mediums are less likely to chip.

White patterns continue to be strong bridal sellers, ranging in shades from pure white to ecru, with gold trim making a resurgence among millennial brides.

But in an emerging trend, observers are finding vintage is vogue.

“Brides are embracing heirloom patterns for a number of reasons,” says Keith Winkler, product marketing manager at Replacements, Ltd. “First of all, there’s a strong, emotional connection to those inherited pieces because it ties them to family and tradition. At the same time, vintage is huge throughout the fashion industry, and that’s impacting dinnerware trends. Brides are hanging onto Grandma’s china, but they’re also looking to give family treasures a more contemporary spin.”

John Griffith oversees the visual merchandising team at Replacements, known as the world’s largest retailer of old and new china, crystal, silver and collectibles. He often hears from brides needing help transforming family treasures.

“It doesn’t matter whether inherited dinnerware is decades old, patterns are timeless through the magic of mixing and matching,” says Griffith. “I suggest using your heirloom pattern as a starting point, then mixing in various colors, shapes and even other mediums such as glass or acrylics. By creating a sort of ‘retro remix,’ you can dress up your sentimental favorite for formal entertaining, or just as easily dress down your tableware for a casual evening with friends.”

For example, Griffith says mixing in square salad plates with round shaped dinnerware creates art deco flair. Mixing different colored plates or glass can open up an entire new color palette.

He’s adamant; don’t be afraid to be bold and try something new.

“I recently had a customer come in with an heirloom goblet she wanted to match,” he says. “We didn’t have any pieces in her pattern, so I instead zeroed in on a design element with the goblet, in this case the stem style on the glass. I added in four additional crystal patterns, all with a similar stem design. By matching that particular design element, we created a really elegant, contemporary look.”

Griffith leads design seminars on creating trendy tables at the company’s retail store. Many of his insights appear on Replacements’ YouTube channel and Facebookpage at www.facebook.com/Replacements.

One challenge brides often encounter with heirloom pieces lies in the fact family members sometimes forget the name of the pattern. Griffith suggests taking advantage of Replacements’ free pattern identification service. Additional information is available on the company’s website, www.replacements.com.

Top 10 ways to clean like a pro for spring

3/13/2013

Spring cleaning is a tradition worth keeping for many Americans: 62 percent of those recently polled by the Cleaning Institute say spring cleaning is an annual ritual in their home.

Though it might not be the most exciting task, an annual deep clean means a great deal to the health of your home – and to those in it. Tackling the job like a professional can save you time and money, so follow these top pro tips to stop procrastinating and start cleaning.

1. Schedule cleaning: Pick a date for the job and create a plan to get the work done in record time.

2. Get motivated: Use audio motivators to prevent distraction and head off boredom. Play upbeat music for an energy boost or listen to your favorite audio book.

3. Dress for the task: Professional cleaners dress for the job in comfortable, washable clothing designed for work. End the era of bleach-stained sweatshirts and set aside a “cleaning uniform,” including shoes, gloves and eye protection, to make sure you’re dressed for cleaning success.

4. Invest in proper tools: Buy good tools once and you’ll be set for years of cleaning. A quality vacuum, mop and scrub brush will last through years of elbow grease.

5. Tote your tools: Professional cleaners tote their tools with them as they work so they are ready to tackle any cleaning feat. Stash your vacuum, mop and mini-vac in the doorway so they’re ready for action. Tuck a plastic bag for trash into your pocket with the duster. Invest in a caddy so you can carry all your cleaning solutions with you from room to room.

6. Simplify supplies: There’s a reason the pros can tote all the products they need in one tray: they’ve simplified their cleaning products. Professional cleaners go to work carrying the “Big Four”: an all-purpose cleaner; bathroom cleaner; glass cleaner; and heavy-duty degreasing cleaner. Zep Commercial Heavy Duty Foaming Degreaser (a professional product that’s now available to consumers) has citrus solvents that cut through grease easily on nearly all surfaces and provides for no-scrub cleaning.

7. Pick it up: Give yourself the same head start you would give professional cleaners by picking up dishes, clothes or anything else not in its place before you clean.

8. Make every moment count: Professional cleaners don’t circle a room more than once. Use a discerning eye to make sure you leave no grime in your wake.

9. Two hands are better than one: Get in the habit of using both hands to attack cleaning tasks. Spray a mirror with one hand; wipe it down with the other. Scrub counters with two sponges or cleaning cloths. Dusting goes twice as fast with a duster in one hand cleaning nooks and crannies and a microfiber cleaning cloth in the other skimming flat surfaces.

10. Think teamwork: Where family circumstances permit, make cleaning a family affair. Family members are more reluctant to mess up a clean house when they have been part of the cleaning effort.

Put these tips to work this spring and you’ll be able to tackle even the most daunting messes. Armed with these tips and some effective products, you’ll be well on your way to a clean and healthy home. Zep Commercial Heavy Duty Foaming Degreaser is available at Walmart and Home Depot, as well as independent hardware stores nationwide. For more spring cleaning tips and product information, visit www.mycleanlikeapro.com.

How to manage money when you're between jobs

3/19/2013

(BPT) - Though the U.S. economy has been gradually improving, job changes - both involuntary and voluntary - remain a fact of American working life.

“It's also a fact that bills need to be paid whether you're employed or not,” says J.J. Montanaro, a certified financial planner with USAA.

To help you cover expenses and protect your finances as you transition from one job to the next, Montanaro offers these tips.

1. Decide how to collect your final pay

If leaving your job wasn't your idea, your employer may provide a severance package to ease the financial pain. Amounts vary, but one or two weeks of salary for each year you've worked at the company is typical. If you're given a choice of a lump sum or a stream of payments, consider these factors:

* Benefits. If employee benefits (health care, life insurance, long-term care) continue as long as you're receiving payments, you may want to take the option that prolongs them.

* Your financial discipline. Afraid you might squander a lump sum? If your severance payment provides enough cash to justify dividing it up, choosing periodic payments will help keep you in paycheck mode.

2. File for unemployment benefits

If your employer let you go - provided you weren't fired for misconduct - you'll probably qualify for unemployment benefits. If you quit, usually you can collect benefits only if you left for “good cause,” which generally means there was a problem at work or personal situation so difficult that you had no alternative.

If you think you're eligible, don't procrastinate. It may take two to three weeks to process your claim, so contact your state's unemployment office pronto. While each state's program varies, you can generally count on benefits to last 26 weeks, with federally funded emergency unemployment benefits extending up to 73 weeks in some states. Benefits are based on your income and how long you were employed.

If you separated from the military under honorable conditions, you may also be able to claim unemployment benefits through your state of residency. Check with your state department of labor to get the lowdown.

3. Reduce your spending

If your decision to leave was involuntary and your next employment is an unknown, it's important to preserve your cash while you're out of work; this can require a top-to-bottom examination of where your money goes. “This exercise can help keep you afloat today and be an engine for paying off debt and saving once the paychecks start again,” Montanaro says. Put off big-ticket purchases and reduce discretionary expenses as much as possible.

4. Strengthen your emergency fund

Use your severance pay, unemployment benefits and any money you can save to build a cash stockpile. Keep enough money in a savings account to pay at least three to six months' expenses. For a higher interest rate on the rest of your cash, build a short CD ladder or open a variable rate CD. Be careful not to lock away money that you'll need. If you served in the military and made tax-free contributions to the Thrift Savings Plan, you may be able to tap that money without the taxes and penalties associated with most retirement money.

5. Avoid cleaning your financial slate

While you may be tempted to use your severance or other assets to pay off your car, credit cards or other debt, you may be better off making only the required or minimal payments. This strategy can stretch your cash and help you meet living expenses in case a new job isn't right around the corner.

6. Review your health insurance options

At most companies, federal law allows you to keep your employer-provided health insurance for up to 18 months. Prepare for sticker shock: You will be responsible for the entire premium – what you paid, plus any amount your employer paid.

7. Protect your retirement

If you have a 401(k) or other employer retirement plan, avoid the temptation to cash it out when you leave. In addition to jeopardizing your security when you retire, you could pay a steep price in the form of income taxes and penalties. Instead, roll the money over to an IRA or leave it in the employer plan.

What to do when your drinking becomes a problem

3/21/2013

(BPT) - There's no denying that drinking is a widely accepted element of social life in America. Cocktail parties, evenings out, formal functions, and even a drink or two with dinner are customary practices. However, alcohol abuse is a major problem in this country and, on a different level, many "social drinkers" probably don't even know that they have a drinking problem.

So how much alcohol is too much? According to the National Institute on Alcohol Abuse and Alcoholism, at-risk drinking, for men, is more than four drinks in any one day or more than 14 drinks per week. For women, it is more than three drinks in a day or more than seven drinks per week. However, for some individuals, any drinking can be problematic: Women who are pregnant, people with certain health conditions or on particular medications, or those with a family history of alcohol abuse.

But then there are the millions of drinkers who don't fit any of these categories but may still have a problem with alcohol. These folks are even less likely to see their drinking as a potential risk. And bear in mind, even low-risk drinking is not no-risk drinking.

There are signs to watch for that indicate your drinking is bordering on being a problem – even if they only happen once in a year:

* Drinking to calm nerves, forget worries or boost a sad mood.

* Guilt about drinking.

* Unsuccessful attempts to cut down/stop drinking.

* Lying about or hiding drinking habits.

* Causing harm to oneself or someone else as a result of drinking.

* Needing to drink increasingly greater amounts in order to achieve the desired effect.

* Feeling irritable, resentful or unreasonable when not drinking.

* Medical, social, family, or financial problems caused by drinking.

This is why it is advisable for anyone who consumes alcohol to take an anonymous screening for alcohol at www.HowDoYouScore.org. By answering a series of simple questions, people can get a good idea of whether they are showing symptoms of an alcohol problem.

"Alcohol is widely used and yet so many people don't understand their own drinking habits and whether they might be headed for trouble," says Dr. Douglas G. Jacobs, associate clinical professor of psychiatry at Harvard Medical School and medical director of Screening for Mental Health, Inc. "Research indicates that screening and brief intervention can help resolve mild to moderate alcohol problems as well as encourage those with more serious problems to seek treatment.”

If you, or someone you know, may have a problem with alcohol, you can visit www.howdoyouscore.org to complete a free and anonymous self-assessment or to find locations in your area that offer in-person alcohol screenings. It just might help you down that right road.

Grow your tax refund with savings bonds

1/30/2013

(BPT) - Expecting a tax refund this tax season? If so, you may be interested in a convenient savings option offered by the U.S. Department of the Treasury. Taxpayers may buy paper Series I Savings Bonds, in amounts ranging from $50 to $5,000, with their annual tax refund by completing the “Allocation of Refund (Including Savings Bond Purchases)” IRS Form 8888. TreasuryDirect online account holders may deposit all or part of their tax refunds into their TreasuryDirect accounts.

“Each new tax season gives people a chance to build their savings,” says Jerry Kelly, national director of the Treasury Department’s Ready.Save.Grow. campaign. “The average annual tax refund of $3,000 can compound over time when invested in savings bonds. I encourage tax refund recipients to learn more about the benefits of savings bonds as they plan for long-term savings goals.”

To use your tax refund this year to buy savings bonds, follow these steps:

1. Fill out Form 8888 – Complete this form to designate your desired dollar amount to buy paper Series I Savings Bonds or to deposit into your TreasuryDirect account.

2. Set up a TreasuryDirect account – Although you can buy paper savings bonds with your tax refund, electronic savings bonds are even easier to manage with an online TreasuryDirect account. For instructions on how to set up a TreasuryDirect account, helpful tools including a tip sheet and guided tour can be found on www.treasurydirect.gov/readysavegrow.

3. Give paper savings bonds as a gift with tax refund dollars – You may use your tax refund to buy paper savings bonds as a gift to others. To do so, add the recipient's name as a “co-owner or beneficiary” on Form 8888. The bonds will be mailed to you.

4. Give electronic savings bonds as a gift with tax refund dollars – You may use your tax refund to give electronic savings bonds as a gift to others. Deposit an amount into your TreasuryDirect account by using Form 8888. Then use your TreasuryDirect account to make a gift of this deposit. Resources that provide guidance on gifting savings bonds include a tip sheet, demo and video, which are available on www.treasurydirect.gov/readysavegrow. To efficiently gift savings bonds to your child using your tax refund, set up a minor-linked TreasuryDirect account in your child’s name.

Why Series I Savings Bonds?

Series I Savings Bonds currently offer an interest rate of 1.76 percent, and they’re exempt from state and local income taxes. What’s more, interest earnings may be exempt from federal income taxes when the earnings are used to pay for qualified higher education expenses.

Series I Bonds are long-term savings instruments that can help support a home purchase, retirement, college savings or other life goals. You must hold an I Bond for at least one year after it's issued, but it’s best to hold it for at least five years to avoid any early redemption penalty. To learn more about the value of savings bonds, the Treasury Department’s Savings Bonds Calculator, accessible on www.treasurydirect.gov, will come in handy.

Save With Savings Bonds Year-Round

U.S. Savings Bonds are a good investment at tax time – or anytime. Payroll direct deposit through your employer is a convenient option for building a regular savings habit. Every payday you can automatically contribute to your TreasuryDirect account and begin building your nest egg. To learn more about payroll direct deposit and other Treasury securities go to the Ready.Save.Grow. website at www.treasurydirect.gov/readysavegrow.

The preceding information was provided by the U.S. Department of the Treasury, Bureau of the Public Debt.

TreasuryDirect is a registered mark of the U.S. Department of the Treasury. Ready.Save.Grow. is a service mark of the U.S. Department of the Treasury.

Prevention, detection tips for the most common type of cancer

4/22/2013

(BPT) - One in five Americans will get skin cancer in their lifetime, according to research published in the Journal of the American Medical Association. Melanoma, the most lethal form of skin cancer, has steadily increased over the past three decades – to the rate of one American dying an hour from it, according to the Skin Cancer Foundation. Detecting melanoma when it is most treatable is key to survival. Fortunately, you can take steps to reduce your risk of getting skin cancer, and improve your chances of catching it in its most curable stages.

Preventing skin cancer

While no type of cancer is 100 percent preventable, you can do a lot to minimize your risk of developing skin cancer, including:

* Always wear sunscreen when you go outside, even during winter months. In summer, use a broad spectrum sunscreen with an SPF of 30 or higher

* For further sun protection, wear long sleeves and hats outdoors, especially if you’ll be in direct sunlight for an extended period of time. Many sportswear and swimwear manufacturers offer long-sleeved garments made from lightweight, breathable materials that will keep you cool and dry while shielding you from the sun

* Avoid tanning, including tanning beds. Multiple studies have found that indoor tanning increases your risk of melanoma by 75 percent, and the risk grows with every use

Detecting skin cancer

Detecting skin cancer when it is most curable is one of the most important ways to ensure a positive outcome for skin cancer treatment. Your detection efforts should include:

* Conduct self-checks. Regularly examine your own skin, looking for changes in the appearance of moles. Use a mirror to look at your back, or have a loved one help. Don’t rely on smartphone technology for diagnosis. Some consumers are using smartphone applications for medical guidance on irregular moles. A recent study conducted by researchers at the University of Pittsburgh found that these apps are not reliable tools, with three out of four applications incorrectly classifying 30 percent or more of melanomas as unconcerning

* Visit a dermatologist for an annual skin cancer check. Ask your dermatologist about MelaFind, an FDA-approved diagnostic tool that helps dermatologists catch melanoma when it is most curable. Non-invasive and painless for patients, MelaFind uses multi-spectral light technology to analyze irregular moles in less than a minute, allowing dermatologists to better determine whether or not to biopsy a mole. In a clinical study, MelaFind had a 98.3 percent find rate for melanoma. To find a dermatologist who is using this breakthrough technology, visit www.melafind.com

Treating skin cancer

If your dermatologist finds skin cancer, it’s important to know you have treatment options. Patients whose melanoma is diagnosed when it is most curable have a survival rate of 97 percent, according to the American Cancer Society. Discuss your options with your doctor, and work in tandem with health care providers to ensure the best possible outcome for any treatment.

While skin cancer is one of the most common types of cancer, it is also the most preventable. Taking steps to reduce your risk, and catch skin problems before they become life threatening, can help your skin stay healthy and cancer-free throughout your lifetime.

Four fun, easy ways to spend more time on the water this summer

4/22/2013

(BPT) - Whether it’s the wind in your hair, the whine of a reel or the thrill of watersports, every summer the water invites us to jump in and have some fun. Many might be surprised to learn that boating is an accessible and active hobby close to home, making it easy to plan a day on the water.

More than 60 percent of Americans say outdoor recreation, such as boating is important for their overall well-being, according to Discover Boating. In fact, more than 83 million Americans go boating each year.

“Summer is the best time to turn off those smartphones and turn up the quality time spent with loved ones and there’s no better place to bond than on a boat,” says Carl Blackwell, a boater from Chicago and president of Discover Boating. “Boating offers something for everyone – from fishing to wakeboarding to cruising and more. Plus, today’s boats are more versatile than ever, making boating more fun and accessible for every interest, lifestyle and budget.”

Whether planning an on-the-water getaway, looking to rent, or considering ownership, getting on a boat has never been more fun or easier to do. DiscoverBoating.com offers four simple ways to disconnect from land and get your feet wet this season:

* On-water thrills.For action-packed excitement, try waterskiing, wakeboarding or tubing. Watersports are fun for the whole family and a great workout, plus they’re an easy way to get the kids to turn off the videogames and play outside. A little online research makes it easy to find on-water rentals, lessons and demonstrations near you, plus there’s also watersports clubs and organizations around the U.S. offering affordable programs for all skill levels.

* Gone fishin’. There’s more to love about fishing than just the catching – enjoying nature, spending time with family and friends, exploring the outdoors. A favorite hobby for many, fishing offers a lot of fun for little cost. Consider renting a fishing boat at a nearby lake or setting up a deep sea fishing charter at the coast – cast a line and test the waters.

* Cruise control. If relaxing and socializing rank at the top of your list for summer fun, the cruising lifestyle may be just right. Rentals are widely available nationwide, from daily, hourly or weekend charters. Be your own captain or hire one to show you the ropes. Fractional ownership is an emerging trend – similar to a lodging time share, but for boats, offering a way to access new boats and share costs among friends or other boaters.

* Sail away. Sailboats harness the breeze to power the boat across the water. Sailing lessons, charters and clubs are offered around the country for sailors of all (or no) skill levels. Looking to learn? Weave a charter, rental or sailing clinic into your summer vacation; it’s a fun way to get started and spend time with family and friends while picking up new skills.

A little research can go a long way for on-water options in your area this summer. Start with DiscoverBoating.com, a beginner’s guide to all things boating from a handy boat selector and cost comparison tool to a step-by-step guide – there’s something for anyone looking to take the first step from the dock to the boat deck.

Summer entertaining made easy

5/22/2013

(BPT) - The weather is warming up and summer is right around the corner. From holiday celebrations to road trips, family vacations to block parties, it’s the time of year for cookouts. Make all of your summer cuisine extraordinary no matter what the occasion with these five simple tips:

* Kick seasoning up a notch – Spice up your main dish and sides by adding bold flavors through marinades and dips. Pair grilled shrimp with a homemade barbecue sauce or create a delicious horseradish sour cream for seasoned waffle fries.

* Create cutting-edge comfort food – When menu planning for summer get-togethers, add a twist to a classic recipe. It doesn’t have to be a large departure from a family favorite; try swapping out a regular hamburger bun with artisanal bread or include sweet potato fries as a side dish rather than traditional french fries.

* Add some color to your meal – Never underestimate the importance of an aesthetically pleasing meal. For an easy summertime side, try Alexia Sauté Reds – a delicious combination of roasted red potatoes, baby portabella mushrooms, whole green beans and onions bathed in thyme-infused 100 percent olive oil. This tasty side is made on the stovetop in less than 12 minutes.

* Incorporate the flavors of the season into your cocktails – Use seasonally fresh fruits and vegetables as more than a garnish to create memorable cocktails. Start with your spirit of choice and try the following refreshing flavor combinations: basil and grapefruit, apple and sage or rosemary and lime.

* Fill the grill – Simplify cooking - and clean-up - by doing as much cooking as possible in your outdoor kitchen. Sides such as Alexia Waffle Fries or Panko Breaded Onion Rings make summer entertaining a breeze when prepared on the grill and are delectable complements to a variety of grill-friendly fare, from steaks and sweet corn to barbecue chicken and asparagus (and beyond). To prepare, simply create a foil grilling tray using two pieces of aluminum foil by crumpling the top piece, creating an edge around the bottom smooth piece to make a tray, and grilling on medium for about 20 minutes.

Sophisticated summer menus are easy to create with help from Alexia Foods, a line of premium, all-natural frozen potatoes, breads and side dishes. For delicious seasonal recipes, visit www.alexiafoods.com.

Grilled Shrimp with Homemade Barbecue Sauce

Cook Time: 40 minutes

Yield: 4 servings

Grilled Shrimp Ingredients:

16 large jumbo shrimp

1/2 cup olive oil

Kosher salt

Fresh ground pepper

Homemade Barbecue Sauce Ingredients:

1 slice bacon

1 bunch fresh thyme

Extra-virgin olive oil

2 garlic cloves, chopped

2 cups ketchup

1/4 cup brown sugar

1/4 cup molasses

2 tablespoons red or white wine vinegar

1 tablespoon dry mustard

1 teaspoon ground cumin

1 teaspoon paprika (or smoked paprika if available)

Shrimp Directions:

Use a pair of scissors or paring knife to slit the backs of the shrimp and remove the vein. Combine the shrimp and olive oil in a bowl and toss evenly to coat. Cover and keep refrigerated until ready to grill. Prepare homemade barbecue sauce (directions below).

Prior to heating, spray grates of a large outdoor grill using PAM^® Grilling, specially formulated for no-stick performance at higher temperatures. Next, heat the grill to medium-hot. Season shrimp with salt and pepper and place on the grill. Baste with the homemade barbecue sauce and grill for 3 to 4 minutes on each side. Brush with more sauce just before serving.

Homemade Barbecue Sauce Directions:

Wrap the bacon slice around the bunch of thyme and tie with kitchen twine so you have a nice bundle. Heat about 2 tablespoons of oil in a large saucepan over medium heat. Add the bacon-wrapped thyme and cook slowly for 3 to 4 minutes to render the bacon fat and give the sauce a nice smoky taste. Add the remaining ingredients, give the sauce a stir and turn the heat down to low. Cook for 20 minutes to meld the flavors. Once the sauce is done cooking, remove the thyme bundle and discard. Take about 1 1/2 cups of the sauce and reserve for serving alongside the shrimp. Pair with Alexia Sweet Potato Puffs or try grilling Alexia Waffle Cut Sweet Potato Seasoned Fries.

Grilling Directions for Alexia Waffle Fries:

Preheat gas grill to medium (400-450 F.). Next, create a foil grilling tray using two sheets of heavy duty aluminum foil - crumple one sheet of foil and place it top of the second piece of smooth foil, folding up the edges of the bottom smooth piece to create a tray. Arrange waffle fries in a single layer on the grilling tray, place on grill and close the lid. Cook to desired color and texture, turning once or twice during the cook time, approximately 20 to 25 minutes.

Ease travel worries with three simple tips

4/12/2013

(BPT) - Traveling has its fair share of challenges, from never-ending lines to unexpected layovers and uncomfortable flights. Fortunately, by incorporating just a few expert tips, traveling can be less stressful whether you are jetting off for business or pleasure.

New York City lifestyle expert, Justine Santaniello, offers these three easy tips to simplify travel:

Tip No. 1 – Become a savvy suitcase packer

Travel with ease by avoiding heavy luggage. “As you get ready for a trip, lay out all your clothes and only take half of what you think you will need. Chances are you will over pack if you take everything,” says Santaniello, who travels more than 100 days out of the year. Her essentials include clothing pieces that can be paired with different outfits, like jeans, and cardigans that can be dressed down for daytime as well as jazzed up for nighttime.

No matter where you are traveling, be sure to carry the basics such as credit cards, extra cash and a phone charger in your carry-on. “Always be sure to put your phone charger in your purse and not in your suitcase. That way, if your luggage gets lost, you can still charge your phone,” advises Santaniello.

Tip No. 2 – Remain polished while beating stress sweat

Avoid feeling and looking frazzled while traveling by arriving at the airport at least an hour and a half before your flight. If you are flying internationally, be sure to get there two hours before takeoff. “One of the worst things you can do while traveling is rush. Arriving at the airport early will help you avoid feeling stressed out,” says Santaniello.

Staying fresh can make you feel more in control. Take steps to keep your cool, such as using Dove go sleeveless Anti-Perspirant/Deodorant. The product gives you the 48-hour odor and wetness protection you need to endure any travel situation while providing the added benefit of softer, smoother underarms in just five days. The only formula in the market with vitamins E and F plus Dove 1/4 moisturizers, Dove go sleeveless Anti-Perspirant/Deodorant comes in a compact 2.6 ounce size (perfect for travel!) and a variety of light fragrances. More information on this travel-friendly deodorant can be found on www.Dove.com.

Tip No. 3 – Fight jet lag and stay healthy

Jet lag is bound to happen when traveling, especially if you are embarking on a long flight overseas. “The two most important elements for combating jet lag are exercise and hydration,” says Santaniello. Fight jet lag and fatigue by walking the plane aisles to stimulate circulation while releasing tension in your muscles. Be sure to drink plenty of water to stay hydrated and try to make healthy eating choices by packing a few snacks in your purse or carry on luggage. Bring easy-to-travel, non-perishable food, like granola bars, nuts and dried fruit to stay healthy and full while up in the air.

Traveling may pose its challenges at times, but incorporating these easy tips will help you be stress-free and well-equipped, from takeoff to landing.

Outdoor gear that performs year-round

2/20/2013

(BPT) - Rugged camping gear is no longer just for adventurers and niche outdoor sports. High-tech or activity-specific outdoor products are gaining popularity because they also come in handy every day and around the house.

“As it turns out, the durability and dependability of gear needed on remote hikes or climbs has many outdoor lovers reaching for those same items around the home,” says gifts.com editor Dan Tower, who specializes in sharing gift ideas catered to specific occasions and recipients.

Tower identified the following durable gear, as camping season approaches, for its versatility across a variety of settings.

Water, water everywhere

It wasn’t long ago that water bottles were strictly for camping. Now people enjoy having water within arm’s reach at all times. Whether it’s a need to stay hydrated or just the eco-sensible peace of mind gained by avoiding single use containers, a go-to water bottle has become a ubiquitous personal accessory.

Liberty Bottleworks make gorgeous, 100 percent BPA-free water bottles showcasing artwork sourced from emerging graphic artists. Arguably though, the best part is the bottles are the only American-made metal water bottles available, with production in Yakima, Wash. Plus, they’re made from 100 percent recycled aluminum that’s tough enough to pack for the jungle or urban jungle.

Let there be light

A headlamp may seem exclusive to adrenaline-pumping activities like rock climbing, caving and hiking at night, but this hands-free lighting source can be incredibly beneficial in a power outage, when changing a tire at night or more common activities like an evening bike ride.

The Energizer Micro Sport Headlight from Energizer is a new headlamp that offers a helpful, hands-free lighting source. While biking and running enthusiasts will especially appreciate its lightweight and slim profile, the headlight is similarly tailored for everyday activities like taking the dog for an evening walk. With a white spot light in the front and a red flashing light in the back, streets and sidewalks will be clearly illuminated, but more importantly, others will be able to see you.

Be my guest

The Pakmat Airbed is another great outdoor must-have that comes in handy all year. One of its most attractive attributes is that, when not in use, it is stored in a small canister. This benefit is obvious when backpacking and camping, but is also an advantage for apartment dwellers who don’t have ample storage space or a guest room, and want to easily accommodate an overnight guest.

Part sleeping pad and part inflatable bed, the Pakmat is a self-contained air mattress that needs no electricity to inflate. Its container also doubles as the pump that inflates it and makes it sleep-ready. When the the slumber party is over, the Pakmat rolls back up into its canister, ready for the next adventure.

Just in case

There’s a smartphone case that’s tough enough to weather nature’s nastiest elements, which will also assure parents their phones will be safer in the hands of young kids. The LifeProof Case takes gadget protection to an exciting new level. In addition to making your iPhone shockproof, the LifeProof case is also waterproof (and dirtproof and snowproof). Taking your iPhone up to 6 feet under water opens up a whole new world of picture- and video-taking possibilities – whether that’s on your next kayaking adventure or at a backyard pool. Outdoor gear has numerous uses outside of campgrounds and state parks. As spring starts to do its thing, many outdoor enthusiasts on the lookout for the latest gear should also consider the year-round benefits of their purchases.

Getting organized: Learn your style and find solutions that work for you

3/11/2013

(BPT) - Resolving to reduce clutter and get better organized seems to be a lingering item on many people’s “to-do” lists, yet for many of us, it can be difficult to get started. While organization is an essential tool for navigating our complex modern lives, many people struggle to find their personal style of organization and a system that works within their busy lives at home, at the office or on-the-go. Just as specific organizational needs vary from person to person, so too do organizational styles.

“It’s important to understand your own personal style of organization,” says Melanie Charlton, organizational expert, product designer and founder of Clos-ette. “What works to help one person get organized may be frustrating for another. By defining your personal style, you can better identify tactics and tools that will work to keep you on track both personally and professionally.”

Unsure how to assess what style of organizing works for you? The Post-it Brand offers the Do More Your Way online organizational style quiz to help you classify your organization style. Through a series of questions, the quiz helps users determine which of five organizational styles best suits their personalities and helps to identify organization solutions to fit their needs.

Conductors organize by “leading” information and documents into a cohesive operation, much as a musical conductor does. Implementers attack organization with a specific goal in mind, such as getting organized for a job search. Curators keep everything and need a system that allows them to quickly reference archived material. Improvisers organize outside the box and are constantly looking for new tools to aid in organization or new ways to use familiar tools. Gatherers like to have all their work materials close at hand and put their emphasis on organized filing systems.

Once you’ve identified your organizational style, focus on these key areas where most of us need help at home, in the office and on the go:

At home

Whether or not your family removes their shoes upon entering the house and leaves miscellaneous keys, mail, loose change and other items by the door, entryways are a primary target for accumulated clutter.

Assess the type of clutter in your entryway. Is it made up of items that have a legitimate right to be near the door – your shoes and car keys, for example - or are there things that should live in another part of your home, such as mail (in your home office), loose change (in a coin jar) and sporting equipment (in the garage)? Decide what belongs and remove and relocate things that do not. Invest in organization and storage solutions such as a key rack that can hang on the wall by the door or a shoe rack where your family can neatly store their shoes upon entering the home to reduce clutter in the foyer.

In the office

We live in a digital world, but paper remains a reality for most office settings. Taming paper is a top objective of organizational efforts for many of us.

To organize the flow of documents in your office, consider adopting the “one touch” policy. When a piece of paper lands on your desk, touch it just once – long enough to decide its appropriate home, and then put it there immediately. Avoid making stacks of paper that you intend to look at and assess later; that’s how clutter evolves. Instead, use an in-box for documents that you haven’t yet reviewed and an active box for things you’re currently working with. Anything that doesn’t fit in either box should get filed immediately with appropriate labeling.

On the go

For many of us, work life is no longer confined to the office – especially for busy working parents. Whether you are running from meeting to meeting or on the road, make sure you have all the essentials for working efficiently and productively while on-the-move.

Products from the Post-it Mobile Attach and Go Collection, a new line of products designed for more efficient and effective organization on the go, can help mobile workers stay on track. Designed to stick, insert or clip to items you carry, Post-it Mobile Products work seamlessly together for a customizable on-the-go organization system. For example, the Post-it Mobile Attach and Go Pockets come in three different sizes and stick to the outside of laptops, iPads, notebooks and planners. Not only do they hold essential miscellaneous items such as important papers, receipts, bills, office supplies and more in one convenient location, but they are also translucent so you can easily see the contents while on the move. They also stick securely, but remove cleanly, so you can re-use or move them as needed.

“Today, more than ever before, people are on the move for their work and personal lives,” Charlton says. “No matter how busy your career, family life or daily routine, it’s important to find organizational tools that are versatile and convenient to help you create an organizational system adapted to your lifestyle.”

Try something new and refresh your technology habits

5/6/2013

(BPT) - Are you using the Internet as if it’s still the year 2000? If you answered yes, you’ve got some catching up to do. Technology has come a long way in the last 13 years; new shortcuts, alternative products and simple tools available today can help you accomplish tasks faster – saving you time and increasing your efficiency online.

Many people don’t realize this, but old tech habits can actually create more work for you. There is no better time than the present to refresh your technology habits and try something new. Forty-five percent of people say they feel refreshed when they try something new and appreciate a change of pace, according to a survey by Bing and Impulse Research. The following tips can help motivate you to update the way you use technology.

* Upgrade your search skills. Not every search engine is created equal, with some offering different features and new ways of finding information. Bing provides the best and most comprehensive information from across the Web, your social networks and experts, so you can save time searching and start doing. In fact, in blind tests people prefer Bing over Google for the Web’s top searches.

And, according to a recent online survey by Impulse Research, nearly two thirds of people would rather give up Google than their morning coffee, so making a change is easier than you think. Take a chance this spring and join the nearly 25 million people who have visited the Bing It On Challenge site at bingiton.com and see if you prefer Bing over Google.

* Update the way you get your news. Are you still reading multiple sites every morning, scrolling through each one to find news that is relevant to you? If so, it may be time to ditch the grueling routine and give yourself a technology upgrade. An overwhelming 93 percent of people say they’re open to trying new things occasionally or frequently, survey results found. So tomorrow, try something new and subscribe to an RSS feed to quickly identify the news you care about most without having to sort through all the rest. Whether it’s attending a new fitness class, tasting exotic cuisine or trying a new search engine, change can be exciting and add an element of spontaneity to your life. Now is the perfect time to take a risk, break out of your comfort zone and try something new – you might just surprise yourself.

* Refresh your online password(s). Password protection is an important, but often annoying, part of our daily lives. With 12 percent of men saying they would rather sit in traffic than try something new, it’s no surprise many people still use old passwords and the common “1234.” In order to break the bad habit, create a different password for all of your online accounts and store them in a password manager tool. These tools can even help you create passwords that are nearly impossible to crack. Taking a few minutes to try something new can lead to efficiency and better process.

By upgrading your Internet habits and trying something new, you may discover happiness and enjoyment you never knew possible - and learn a few new things along the way.

Programming your child's health - 5 nutrition tips for baby's future health

4/29/2013

(BPT) - What if you could program the future of your child’s health as simply as you program your alarm clock? Push a button, choose a selected wake-up time, click and you’re done. It’s not quite that simple, but studies show that what a woman eats just before and during pregnancy will impact the health of her child for the rest of his or her life. It’s an area of research called fetal programming.

The concept of fetal programming (also called prenatal programming) theorizes that during fetal development, poor intake of one or more essential nutrients during critical periods in an organ’s growth can potentially alter or program the structure, size or function of that organ for the rest of the child’s life. The developing baby will attempt to compensate for deficiencies in the womb, but that compensation can carry a price later in life.

Eighty-eight percent of mothers and women who are currently pregnant agree that a diet including nutritious foods, beverages and vitamins will have a positive long term effect on their child’s health, according to a recent survey conducted by NMI Research and DSM Nutritional Products. However, despite this awareness, 99 out of 100 Americans don’t meet even the minimum standards of a balanced diet.

“Many pregnant women think they are doing OK diet-wise, but in reality they are likely not getting the essential vitamins and nutrients that they and their babies need through diet alone. For instance, the average American eats four servings or less of fruits and vegetables daily, which means they may be lacking essential nutrients like vitamins A, C, E and K,” says Elizabeth Somer, registered dietitian and author of “Nutrition for a Healthy Pregnancy.”

Today, women who are pregnant have the option to supplement their diets with prenatal vitamins, minerals and other essential nutrients. Somer provides nutrition tips for mothers to help support their child’s future health.

Tip No. 1: A mother’s diet rich in vitamin B12 has been found to correlate to a lower risk for insulin resistance in her child later in life, according to the Prune Maternal Nutrition Study. Vitamin B12 is essential for the formation of blood cells, nerve sheaths and various proteins, and is also necessary for growth. Sources of B12 include meat, eggs, fish and milk products.

Tip No. 2: Vitamin C status has been shown to lower oxidative damage to fetal tissues and lower the risk for heart problems later in life. Stock your fruit and vegetable basket with popular food sources of vitamin C, including citrus fruits, strawberries, kiwi, broccoli, spinach and tomatoes.

Tip No. 3: There is emerging evidence that vitamin D deficiency may be a risk factor for many chronic diseases, including rickets, multiple sclerosis, heart disease, type 1 diabetes and cancer, according to a study published in the Journal of Midwifery & Women’s Health. You can find a multiple vitamin and mineral supplement that includes vitamin D and is formulated for the needs of women who are pregnant.

Tip No. 4: DHA omega-3 is an important building block of a baby’s brain. In fact, 97 percent of the omega-3s found in the brain is DHA. Primary sources of DHA include fatty fish (tuna, mackerel, salmon) and a vegetarian and sustainable source of DHA from algae can be found in foods, beverages and supplements on store shelves. Look for the life’sDHA logo on the packaging to know you’re getting a vegetarian source.

Tip No. 5: Children born of mothers with low folate status during pregnancy were 57 percent more likely to have emotional problems later in life, according to a study published in the American Journal of Clinical Nutrition. Increase your folate or folic acid intake by eating dark leafy greens or supplementing with 600 to 800 micrograms of folic acid daily.

It is important to talk with your doctor before starting any supplement program.

Relax while planning your wedding with these financial and budgeting tips

3/20/2013

(BPT) - Planning and organizing a large and complex special event can quickly overwhelm a bride and groom-to-be, especially if the couple has no previous experience or training in large event organization. In addition to all the details of the invite list, the location for all activities for the big day and the special intimate details of wedding party gifts, getting to the big day without breaking the bank might seem impossible.

With a few smart steps before, during and after the ceremony, you’ll ensure your bank account will remain as strong as your love for each other.

Tip 1: Strive to come in under-budget

Set a budget and stick to it – or better yet, come in below it. Start out the wedding-planning process with a set budget for all major expenses such as food, music, wedding attire, flowers and the cake. But don’t forget about all the little expenses that can add up too. For example, tips for services that the DJ, drivers, hairstylist and bartenders provide can add up to hundreds or even thousands of dollars. Remembering all the details and giving yourself a little financial wiggle room should something be overlooked is a wise decision.

Tip 2: Wedding insurance equals peace of mind

Insurance for a wedding? It’s something many have not heard of until planning a wedding, but it should be a priority because it protects your investment should something unexpected occur. According to WedSafe Wedding Insurance, a leading insurance program dedicated exclusively to weddings, there are two types of wedding insurance to consider:

First, cancellation/postponement insurance can offer financial reimbursement for unexpected events that force cancellation or postponement, such as an illness, military deportation or sudden unemployment. It also brings peace of mind during economic uncertainty when many vendors suddenly go out of business. For example, it’s unfortunate but far from rare for a wedding venue or photographer to go out of business and not return the deposit to the now unhappy couple. This can amount to thousands of dollars. With cancellation/postponement insurance, the wedding host has financial protection against lost deposits from no-show or bankrupt vendors. Real wedding mishaps can occur, and wedding insurance offers protection.

Second, liability insurance can provide protection if an injury occurs or property is damaged and responsibility for the incident is placed on the host as legally liable. For example, someone slips on a spill and breaks their hip, or perhaps someone has a few too many cocktails and gets into a car accident. Many venues today require that the host purchase coverage. For more information about wedding insurance and to get an instant quote, visit www.wedsafe.com.

Tip 3: Get all fees in writing

Staying organized when planning a wedding can be complicated, but keeping track of all those long contracts can come in handy should there be discrepancies regarding extra fees come payment time. Didn’t know the reception site was charging you a cake-cutting fee? Reference your contracts and if there are any issues, you can address it with the vendor. Forgotten fees can accumulate fast, and by getting everything in writing and staying organized, you’ll be sure you don’t get burned.

Tip 4: Plan ahead and pay bills on time

Once your big day arrives, all your bills should be paid in full. Check contracts and be sure to understand payment agreements so that you don’t get hit with any late fees. For many couples, credit cards will be used to streamline the payment process, but don’t forget when your monthly payment is due and strive to pay it in full. This is especially important for couples leaving for extended periods of time for a honeymoon – you’d hate to come back to a pile of late fees because you didn’t plan ahead on payments that may be due when you’re gone.

Time-pressed in the kitchen? Rediscover pressure cooking

5/10/2013

(BPT) - There’s nothing like the smell of a home-cooked meal wafting through the kitchen for hours and hours – that is, if you have time to prepare such a meal. Since most of us don’t have that sort of time on a daily basis, many time-pressed cooks are rediscovering pressure cooking: an age-old cooking method that makes mealtime fast and easy.

You may recall your mother or even your grandmother talking about using the pressure cookers of old, sometimes with unexpected results. A pressure cooker uses steam to cook foods. Available in stovetop or electric models, they both work on the same principle: foods and liquids are placed inside a pot that has a pressurized chamber, and the steam transfers heat to the foods. The pressure builds up inside the pot to cook food at a high temperature, while allowing the food to retain its moisture and nutritional value. When cooking is complete, the steam can be vented using a release valve, before the lid is opened.

Recently, pressure cookers have evolved to include many built-in conveniences and safety features that simplify the cooking process. Today, more home cooks are taking advantage of these cooking marvels, not only because they cook foods faster than most conventional methods, but also because they bring out the delicious flavor of foods and preserve inherent nutrients.

Today’s advanced pressure cookers can be used to prepare anything from meats and main courses to fresh vegetables, potatoes or even desserts. And because they cook foods faster, they use less energy, providing a “greener” way of cooking. In short, a pressure cooker enables a user to prepare recipes in less than half the time, while locking in flavors and preserving vitamins and minerals. This means a pot roast, sweet potatoes, or even cheesecake recipe worthy of Julia Child can be done in record time, making pressure-cooking perfect for busy weeknight meals.

Manufacturers are increasingly taking the guesswork out of pressure-cooking with intuitive features that make it easy to prepare delicious, nutritious meals in a flash. For example, Calphalon’s 6-quart Stainless Steel Pressure Cooker has a cover that locks on with the touch of a button, and a pop-up pressure indicator that makes it easy to monitor cooking times. The cooker also has a pressure release dial that lets you select from multiple settings for cooking, and to safely release the steam after you’re finished.

If you’re new at using a pressure cooker, here are some general tips to get you started:

* Cut foods evenly: Uniform pieces cook most evenly.

* Don’t overfill: Aim for a pot no more than two-thirds full of food. Be sure to use the recommended amount of liquid called for in the recipe.

* Adjust spices: Flavors are more concentrated with this cooking method, so you may want to reduce the amount of spices you use in your favorite recipes.

* Brown meats first: For especially tasty pressure-cooked meats, sear and brown the meat before placing it in the pressure cooker to obtain the best flavor and texture.

* Secure the lid: Make sure it’s properly closed and locked before you begin cooking.

* Experiment with recipes you love. Try cooking in incremental stages, starting with the shortest recommended cooking time; you can always cook for a more minutes if needed.

* Consult the manufacturer’s manual: Read and follow the instructions for the specific model you purchased.

Get ready to enjoy your home's exterior beauty

5/23/2013

(BPT) - It’s time to make your home’s exterior shine with some added summer curb appeal. You can quickly do the easy stuff – wash your windows, plant annuals, install pathway lights – to spruce things up. But you should also consider those projects you’ve been avoiding.

* Is your wood deck cracked, gray and seen better days, but still structurally sound? Do you have a concrete patio that is patched, cracked and just unsightly? Instead of replacing it, resurface your deck, patio or sidewalk. This isn’t a back-breaking, time-consuming job anymore. RESCUE IT! Wood and Concrete Resurfacer is easy to use with standard paint and stain supplies. The 100-percent acrylic formula fills in cracks up to a quarter-inch wide, according to manufacturer Olympic. Choose from 110 colors to match your current color scheme or create a new one. The resurfacer creates a mildew- and slip-resistant finish that provides waterproofing protection. This product is available at select Lowe’s stores. For more information, go to Olympic.com.

* Banish weeds from your landscape. Of course, this isn’t easy. Dandelions seem to pop up overnight. Weeds arrive in nursery containers, packaged grass seed and even your pet’s paws. You need to be diligent in removing them, especially before they have a chance to seed and spread. If you apply an herbicide, remember that these products are non-selective, which means they’ll destroy anything green, from weeds to grass. Talk to an expert at your favorite nursery or garden store about solutions.

* Refresh your wooden fence and deck furniture. Give them fresh, new looks or just refresh the current finish for your next summer get-together. Olympic Exterior Stains will go a long way in extending the life of your exterior wood, providing durability throughout the years. They provide a waterproof and mildew-resistant coating that will help your wood stand up to all the seasons. You’ll find products for all wood types, applications and budgets available at your local Lowe’s stores. For more information go to Olympic.com.

* Make sure all your hoses and sprinklers work. Before it’s time to water your landscape, test all of your hoses. When you run water through them, do you see water spraying through cracks? Attach your sprinklers to your hoses and turn on the water, to see if all the holes in the sprinkler send out adequate supplies of water. It could be time to buy some new hoses or sprinklers.

* Get your mower ready for the season. Put in some gas and turn on the engine. How does it sound? You might need to buy some new gas, too – don’t depend on gas left over from last year. If you haven’t had your mower tuned by a professional for several years, this might be the time for it.

Get the jump on these outdoor chores, so that you’ll be able to enjoy many months of relaxing fun in the sun.

Need some summer birthday party game ideas? Look no further

4/18/2013

The beautiful days of summer are here again. The sun is out, the air is fresh, the grass is green and the opportunities are endless for fun-in-the-sun birthday parties. The three summer months – June to August – rank in the top five for most American births, according to the 2010 U.S. Census. So chances are good you’ll be hosting or attending a summer birthday this year. You can go to the waterpark or visit the batting cages any day, but your child’s birthday is special.

Here are some summer birthday party ideas that will help you plan a day your child will never forget. Whether your son or daughter has a competitive spirit or simply likes playing with their friends outside, organizing a handful of fun games will keep the party moving and give everyone a chance to participate in their favorite birthday contest. Depending on the size of your party, separate the kids into teams and have them go from station to station to play against each other or compete against the rest of the party. Here are a few game ideas to play on a gorgeous summer day.

* Create a homemade obstacle course. Kids love jumping over obstacles and testing their physical limits. Create a starting line and have each kid race through a series of obstacles to the finish. Your obstacle course can include a series of old tires for the kids to high-step through, oversized cardboard boxes to crawl under and a string tied between trees that the young kids have to navigate around before dashing to the finish line.

* Frisbee or football toss. Accuracy is the name of this game and making a homemade target is simple. Cut a few different shapes out of a plastic tarp, use colorful duct tape to mark each shape and give all of the targets a point value depending on their difficulty. Then hang the tarp and set up a throwing line. The kids will love to compete against each other to find out who has the most accurate arm.

* A tradition that never grows old is kids and toys. For decades Hot Wheels has been a favorite for kids everywhere with its thrills and performance. Today the action continues with a new twist that’s a great gift idea and a perfect party activity. Hot Wheels Spinshotz are high-speed spinning tops and stunt sets that test kids’ racing and reflex skills in a fun, fast way. The Spinshotz Stunt Set- Big Air Target Takedown lets kids build, race and challenge each other head-on in a high-stakes game of speed and pursuit, earning points by knocking down bullseye targets. Additionally, Spinshotz can be stacked vertically, making for an exciting game in balance and coordination, to see who can make the tallest spinning tower without toppling – a surefire party hit!

* The always entertaining egg race is a must for any outdoor event. Assemble your teams to compete in a relay or run around a series of cones to record the best individual time. Use hard-boiled eggs and have the kids race around twists and turns trying to balance an egg on a spoon. Quickness isn’t the object of this game, stability and patience will win the race.

* What’s better on a hot summer day than water balloons? Have each team form a circle; make sure they are spread out enough to toss a water balloon to the person next to them. This elimination style game will have the kids on their toes as the water balloon travels from one person to the next in the circle. As each balloon pops, the last team standing wins. Throw in a twist by adding another water balloon headed in the opposite direction to keep everyone guessing.

Bringing home baby: When to call the doctor

4/22/2013

(BPT) - Most new parents are anxious when their infant has a fever, or is fussy, stuffy and simply not acting right. But how do you decide to call the pediatrician or to wait – especially in the middle of the night?

“We understand the uncertainty that comes with bringing home a newborn, and it’s always better to be safe than sorry,” says Linda Ciampa, a registered nurse in the labor and delivery department of a Boston-area hospital. “Even at 2 a.m., most doctors’ offices are on call to give you assurance and advice. We would much rather have you call than be up all night worrying – or possibly overlook something important,” adds Ciampa. “Even for the pros – ruling out anything serious offers the best possible peace of mind for us all.”

Ciampa encourages all first-time parents to take advantage of the postpartum care, newborn CPR and safety classes offered at many hospitals and community centers. Knowledge and information can reduce stress when your baby isn’t feeling well. She offers the following tips on what to look for when you suspect your baby may be sick:

Fever

Fever helps the body fight infection and doesn’t always need to be treated. But sometimes, fever in a newborn can be serious. A temperature of 100.4 degrees or higher in a baby under the age of 2 months should be reported. Your doctor will likely ask whether the baby is feeding, urinating and sleeping adequately. Never give medicines or other home remedies to a baby without first consulting with a pediatrician.

Historically, the most accurate way to determine a baby’s core-body temperature was with a rectal thermometer. Now, however, many doctors’ offices and hospitals use a forehead scanner, such as the Exergen TemporalScanner. One swipe provides a fast and accurate reading in just two seconds.

Studies show that temporal artery thermometers are just as accurate as the more invasive methods of temperature taking, such as rectal. They take the stress out of taking a baby’s temperature – and work on grownups too.

Seek immediate medical attention and call 911 if your infant is struggling to breathe or turns a shade of blue. Don’t hesitate to call your pediatrician if:

* Your baby’s skin appears yellow or you suspect jaundice

* The newborn’s stools appear red, white or black (aside from the first black meconium bowel movements)

* Your little one has a persistent cold, cough or is vomiting (more than spitting up)

* Your baby is unusually fussy, lethargic or not waking up for feeds

* The baby is not wetting enough diapers (look for six or more daily after 6 days of age)

Health care providers are there to offer advice and reassurance whenever you are unsure about any health issue concerning your newborn. Health care providers want your baby to be healthy – and you to feel confident – so you can enjoy this special time with your precious, new arrival.

Travel: cruising 101

2/13/2013

(BPT) - If you’re thinking of taking a cruise, there are a lot of options to consider, from the cruise line and style to the destinations, vacation length and types of on-board amenities. Cruising is a fun (and economical) way to see several places in a relatively short amount of time without having to unpack and repack every day. While some “hard-core” travelers may scoff at cruises, don’t knock it till you’ve tried it.

Choose your cruise line
This is probably the single most important task when planning a cruise. Choose the wrong cruise line, or even more specifically, the wrong ship, and it can mean the difference between a blissful, relaxing trip or one filled with 18-year-olds getting rowdy on rum punch. To figure out which ship and line suits your preference, do some research online and ask friends who have taken cruises. Find out the median age onboard; if a ship caters to an older demographic, there’s typically not much to do after 10 p.m. Ask about the quality of food. The food on most vessels is in line with what you get at 4- and 5-star restaurants on land, so beware that elastic waistbands might be needed by the end of your trip. Also gather opinions on cruise schedules. Some cruise lines allow for flexibility in your itinerary, others have two dinner seatings and if you’re not on time, you don’t eat. Ask about the activities are onboard. Is there a variety? Are the shows good? For comparison, Royal Caribbean brought “Hairspray” to sea several years ago, and a few ships have Cirque du Soleil spinoffs. Finally, inquire about the decor; newer or updated ships will feel more like a Ritz-Carlton than a Motel 6.

As far as cruise styles, “mainstream” cruise lines, like Celebrity and Royal Caribbean can carry a small city on the water. Other cruise lines, such as Viking River Cruises or Oceania Cruises, provide luxury and a slower pace. There are also specialized cruise ships, like the American Queen Steamboat that runs multi-day cruises up and down the Mississippi River.

Choose your destinations
After finding the right cruise line, figure out how many days you want to spend on the cruise (remember that depending on where you live, it can take a day to travel to the departure port and a day to travel home). The number of days will then dictate what destination options you have. Some itineraries will feature just one port for visiting, while others will dock at anywhere from three to 10. If you’re traveling from the United States, the travel experts at Away.com recommend touring the Caribbean, Hawaii or Alaska. There are also plenty of cruise lines that tour the Mediterranean, the rivers of Europe, and even Russia and Asia. Cruising allows you to get an overview of destinations, rather than an in-depth look into the local scene. Because you’re traveling by a large ship (unless you do a river cruise), you will explore only coastal towns, and typically the ship will be in port only for about a half a day. As you peruse the destinations available, you can normally see a sample itinerary, too.

Book your cruise
Once you’ve selected the cruise line, the number of days and the destinations you want to visit, then you’re ready to book your cruise. With all your meals, snacks and beverages (alcohol and specialty restaurants onboard might cost more), your room, and onboard entertainment covered, there’s not much left to plan. You can choose to research things to do in ports, or you can take advantage of the shore excursions that cruises offer.

Pack for your cruise
No matter your destinations, it pays to look up the typical weather and pack accordingly. A cruise in July might sound warm, but if you’re heading to Alaska you can skip the bathing suit and pack an extra sweatshirt. Everyone packs differently, but it’s in your best interest to pack minimally, as the rooms are not as big as a typical hotel room. Bathing suits and shorts are usually fine for the daytime, but evenings typically require more of a resort-casual wardrobe. And most ships have one or two formal nights, so pull out the old bridesmaid or prom dresses. Most importantly, if you’re traveling outside of the United States, make sure your passport is up to date and packed along with your ticket so you’ll be good to sail away.

Ask the Pharmacist: Poison prevention starts at home

3/18/2013

(BPT) - It’s a serious problem with a simple solution. Nearly 1 million children under the age of 5 are exposed to potentially poisonous medicines and household chemicals, according to the Centers for Disease Control and Prevention (CDC). There is no better time than now to learn more about preventing accidental and unintentional poisonings.

“Parents know to keep household cleaners and other chemicals out of a child’s reach, but in my experience as a pharmacist, I’ve seen that they don’t always think about prescriptions, over-the-counter medications and vitamins,” says Paul Reyes, Express Scripts pharmacist and host of Ask the Pharmacist radio series.

The CDC reports that more than 60,000 young children end up in the emergency room each year from wrongly ingesting medicines; but it’s not only parents who need to be aware of the risks. Many of these incidents occur outside of the child’s home. In fact, in 23 percent of the cases in which a child under 5 mistakenly ingests an oral prescription drug, the medication belonged to someone who did not live with the child.

“Medications can keep us healthy, but can be extremely dangerous if taken by the wrong person or in the wrong amount,” says Reyes. “Add in a child’s insatiable curiosity, and you have the ingredients for a very serious and dangerous situation.”

Reyes offers these tips for preventing accidental and unintentional poisonings, and what to do if you suspect your child or teen has ingested a potentially poisonous substance:

* Be cautious of colors: Medications are colorful and attractive to children, and can be mistaken for candy. For example, Tums look like SweeTarts, and Advil and Ecotrin resemble Skittles or M&M’s. Parents should not encourage children to take their medicine by comparing it to candy, as this may lead to improper use.

* Lock it up: Don’t leave your next dose out on the counter where a child can reach it. Lock up all medicines and vitamins in a cool, dry place. Tightly secure caps and keep medicines in their original labeled containers so if there is an emergency, you can tell medical personnel exactly what the child ingested.

* When not to share: Be sure to remind children that they should never share their medication. When playing “doctor,” friends and younger siblings of those taking a medication are often the recipients; this can lead to accidental poisoning.

* Know your numbers: If the child has collapsed or is not breathing, dial 911 immediately. If the child is awake and alert, call the Poison Hotline at 800-222-1222 and follow the operator’s instructions. If possible, have available the victim's age and weight, the container or bottle of the poison, the time of the poison exposure and the address where the poisoning occurred.

* Know the signs: Reactions to ingested medications or household products may vary. Look for signs such as vomiting, drowsiness and any residue odor in the child's mouth and teeth. But know that some products cause no immediate symptoms, so if you suspect that your child has ingested a potentially hazardous substance, call the poison hotline immediately.

* Keep calm: It’s important to remain calm so you can effectively communicate with emergency personnel. If the child ingested medicine, do not give anything to the child by mouth until advised by the poison control center. If chemicals or household products have been swallowed, call the poison control center immediately or follow the first aid instructions on the label.

For more information and additional tips on preventing prescription drug abuse at home, visit lab.express-scripts.com.

How to turn your backyard into the best vacation destination

5/7/2013

(BPT) - It’s a widely known “secret” that family vacations aren’t always what they’re cracked up to be. Traveling can be a costly hassle with too many negatives that overshadow the fun. That's why a growing number of Americans are rediscovering the fun that can be had at home, and taking steps to make their backyards as inviting and enjoyable as any far-off vacation destination.

Summer vacation travel costs the average American family about $1,180 per person, according to an American Express survey. Imagine if a family of four invested the cost of this summer’s vacation into upgrading their backyard with the addition of a swimming pool or hot tub. They could create an oasis of family fun that they’ll enjoy for years, not just for a week in the summer.

Saving money and avoiding travel hassles are far from the only benefits of spending more time at home. Quality time together helps families bond, and can even improve physical and mental wellbeing. Purchasing a pool or hot tub is the kind of investment that will provide your family backyard enjoyment for years to come.

There’s a reason why virtually every great hotel in a great location has a pool and hot tub: people love recreation and relaxation. When it comes to creating a resort-like vacation experience in your backyard, nothing fits the bill better than a swimming pool or hot tub.

A swimming pool is one home improvement that pays for itself in multiple ways, from increasing your home value and reducing travel costs to improving relationships with loved ones. The majority of pool owners (75 percent) say their swimming pool turns the backyard into an everyday vacation spot, according to research by the Association of Pool & Spa Professionals. Four out of five pool owners say it’s a great way to entertain guests, and nearly half say it’s the perfect place to connect with family and guests.

Hot tub owners feel the same way. Among owners, 57 percent consider the backyard their sanctuary and believe their hot tub promotes entertaining and fosters quality time with loved ones. What's more, 77 percent of owners say time in their hot tub is one of the few things that truly relieves stress.

Though the economy continues to be a factor for improvement-minded homeowners, swimming pools and hot tubs are a natural fit for those opting to stay put and improve their current homes. And while adding an installation can be a serious investment, a family of four that would normally spend the average amount of $4,750 per summer on vacation travel could conceivably pay for a pool or hot tub by foregoing those travel costs for a few years. If you’re considering adding a pool or hot tub to your outdoor living space, rely on APSP’s online member locator to find an APSP Certified Professional in your area.

Demand for outdoor living spaces continues, with the American Society of Landscape Architects listing pools and hot tubs as hot trends for 2013. Refining outdoor living spaces with improvements such as built-in cooking facilities, composite or wooden decks, patios and natural landscaping can further enhance the usability and appeal of a swimming pool or hot tub.

Look no further than your freezer for Dad's perfect gift

5/17/2013

(BPT) - Bill Cosby once said, “Fatherhood is pretending the present you love the most is soap-on-a-rope.” As children all over the country prepare to honor their dads for Father’s Day or a special birthday, it might be time to say “no” to the soap and ties and give him what he really loves – a home-cooked meal.

In a 2012 survey of more than 2,000 American adults, Harris Interactive asked men and women about the best gifts for their dads. While a new tablet or smartphone came in at No. 1, the second thing dads want most is a home-cooked meal. For most of us, tablets and smartphones might be out of reach, but a home-cooked meal is just what the budget ordered.

And what home-cooked meal do dads love the most? According to a study (featured on the Today Show) that examined the intersection between food taste and gender, men tend to prefer salt-fat combinations (burgers, pizza, chips). When it comes to comfort food, men turn to steak or stews. Simply put – men like meat.

So this year, when it’s time to honor your dad, consider hosting a family barbecue with all of Dad’s home-cooked favorites. Whether you choose mouth-watering steak burgers, bone-in ribeyes or finger-licking good Kansas City barbecue, the options are almost endless for a home-cooked meal that Dad (and your friends and family) will love.

If you don’t know where to start your menu planning, you can find some great barbecue ideas online. Be sure to check out the recipe and cooking tips from The Kansas City Steak Company. Simply select your favorite category and you’ll receive helpful tips and tricks for a delectable meal with recipes created by talented chefs and home cooks across the country. With more than 600 recipes to choose from, you’re sure to find just the right meal to honor your dad.

Ed Scavuzzo, president of The Kansas City Steak Company, says that summer is becoming one of the company’s busiest times of the year. “As life gets more complicated, more families are using special days like Father’s Day to reconnect. We provide everything you need to host the perfect outdoor barbecue – except the grill.”

Once you’ve selected the perfect meal for your dad, don’t forget to check out these top 10 grilling tips to maximize flavors and minimize flare-ups. Whether your dad wants to navigate the grill himself – after all, it is his day – or he allows you to take over for the day, grilling your meat-of-choice to perfection is easy when you follow a few simple rules. There’s even a grilling app to give you on-the-spot tips and timing.

So this year when it’s time to honor your dad, look no further than your computer, your creativity and your freezer for a gift he’ll treasure – memories made together enjoying a home-cooked meal.

Fun tips for fantastic family vacations

5/1/2013

(BPT) - Family vacations are always a great time for family bonding and exploring new places. With some careful planning, the trip can be packed full of fun from the minute you lock the front door to the minute you arrive back home, exhausted and ready to share stories of your adventures with friends and family.

Traveling with children does require careful planning, but taking a little extra time to plan ahead will make your time spent together that much more rewarding. Take these ideas into consideration as you organize your family trip.

* Traveling organization – If you’re on a road trip this spring or summer, keeping track of all the snacks, games and travel necessities isn’t easy. Put a few household items to use, and you’ll be able to keep everything where it belongs, instead of having it rolling around under the seats. For example, a shoe organizer hung over the back of the front seats helps to keep all children’s toys and activities within reach. And a divided cardboard drink container is an excellent storage kit for needed items like snacks, tissues, hand wipes, etc.

For airline travels, the mantra “less is more” comes into play. Have each child pack one carry-on, such as a metal lunchbox or a backpack, with all their traveling necessities. Crayons and coloring books, as well as small game books like crossword puzzles or word searches are recommended.

* Create “snacktivities” – Package the snacks you’ll be eating on-the-go with activities to keep the kids busy. For example, a new coloring book with a juice box and a snack will help everyone forget they’re on a long trip. Pack satisfying snacks such as Lance Xtra Fulls Toasty and ToastChee sandwich crackers, which are made with real peanut butter and deliver up to 6 grams of protein per serving.

* Make the hours work for you – If you have the ability, schedule your travel time during bedtime or nap time. Plan frequent breaks where everyone can get out of the car and run around, releasing pent up energy. Try to avoid driving during rush hour traffic, which would add additional stresses to everyone in the vehicle. For airplane travel, avoid leaving on peak travel days if you can.

* Get creative with snacks – Mix up the traditional to keep the snacks interesting, which can help make the travel time appear to pass much quicker. Create your own trail mix with protein-packed Lance snacks of salted peanuts, cashews, sunflower seeds and Star Bites. Or give the kids paper plates, sandwich crackers, cheese and fruit make their own “snack creations” in the shapes of animals. Visit www.lance.com for additional snack recipes and snacking ideas.

* Play together – When in doubt good old-fashioned car games such as “I Spy” can provide hours of entertainment for the entire family. While in the car ask kids to look at billboards, road signs, license plates and buildings to find the letters of the alphabet in order. For instance, to find an “A” the child might see Applebee’s and say it aloud, then move on to finding the letter B. You can also play counting games with younger children. Count blue vans, find 10 horses, count rest stops or water towers. How many people pass you on the highway? Count those, too. There are endless possibilities.

Family vacations are a lot of fun, and if your trip is well-planned, everyone can return home with great memories and stories to share.

Who has time for sick days? Tips to fight the cold, cough and flu this year

2/8/2013

(BPT) - People who have gotten sick report their cold and flu symptoms lasted up to six days, according to the Vicks Second Annual Global Cough and Cold Survey. While health experts advise sick workers to stay home to avoid spreading germs, few of us can afford to take that many sick days off from work or home life.

Fortunately, you can get by fighting cold and flu symptoms if you’re not able to take sick days. Here are some tips:

1. Take a multi-symptom medication. An estimated 80 percent of cold and flu sufferers experience more than one cold symptom, according to the survey. That’s why it is important to take a medication that can treat more than one symptom if you are experiencing multi-symptom discomfort. When you are sick with a cold, a multi-symptom medication such as non-drowsy DayQuil Cold & Flu can relieve your cold symptoms so you can power through your busy and hectic schedule during the day, and NyQuil Cold & Flu is the perfect medicine to relieve your cold symptoms so you can get rest. For more information, visit www.vicks.com.

2. Drink lots of fluids. Keep a bottle of water with you everywhere you go and keep drinking throughout the day. The extra hydration not only helps keep your nose moist and might help you breathe and rest easier; it also helps flush toxins from your body.

3. Look for other ways to stay hydrated. Drinking fluids isn’t the only way to keep hydrated. The American Academy of Pediatrics recommends using cool-moisture humidifiers to help provide relief from coughs and congestion. Concerned mothers can get their children used to humidifiers by using models like the Vicks Starry Night Humidifier. The great and small tool not only adds moisture to the air, helping to keep little noses clear, it also doubles as a nightlight, projecting stars on their bedroom ceilings.

4. Eat ... spicy, green and more. Bring on the heat! Eating spicy foods can give you a runny nose, which can be helpful because it helps break up congestion and remove irritations. Also, eating an assortment of colorful fruits and vegetables, particularly those with a high level of vitamin C, is an effective way to support your immune system. When your body is fighting off a cold or flu, it needs food to fuel your immune system. If you have a fever, try to eat a little more to keep on the road to recovery.

5. Reach for a convenient thermometer. A high fever is often one of the first recognizable signs of illness. If your children seem to be ill, take their temperature with a thermometer to see if they have a fever. With a squirmy sick child it may be difficult to ensure accurate readings, so try non-invasive alternatives like the Vicks’ Behind Ear Thermometer. The easy-to-use tool takes quick 1–second temperature readings that are color-coded, making them easy to read and decipher.

6. Lessen the stress. Studies have shown that elevated levels of stress can reduce the number of T cells in your body, and T cells are important to keep your immune system strong. If you’re feeling sick, have fun and relax to help you better cope with symptoms. You could also try exercise or meditation to relieve stress. The National Institutes of Health in the U.S. has stated that it’s okay to exercise even if you have a cold. The simple act of sweating helps drive out destructive germs and toxins from your body.

Rise and shine: Tips for throwing the ultimate brunch

3/4/2013

(BPT) - Nothing gets your day off to a better start than a tasty breakfast – but on most days, you’re too rushed and stressed to enjoy it. Thankfully, on weekends and holidays, it’s a whole different story. There’s time to relax, enjoy the company of family and friends and prepare and serve that best-loved of all leisurely meals: brunch.

A table full of delicious dishes that inspire conversation and interaction is an essential part of a truly great brunch experience. To encourage guests of all ages to linger around the table and enjoy the festive atmosphere, include a variety of options that will please all palates. Catherine McCord of Weelicious, a family-centric food blog and cookbook author, offers some of her favorite tips for putting together the ultimate brunch:

* Make brunch interactive and fun for kids. The more you get them involved, the more they’ll be interested in the food you serve. That can make it easier for everyone to enjoy the foods you've spent time preparing.

* “French Toast on a Stick” turns a brunch staple into something a bit more fun. Make French toast cubes using different types of bread such as brioche, French bread, croissants or even regular sandwich bread. There’s no need to worry that you don’t have a particular variety – they will all produce delectable results.

* Fill bowls with fresh fruits like sliced bananas, strawberries, pineapple and melon balls for kids to skewer.

* Keep health in mind. Wash all fruits – even organic varieties – carefully. Since eggs are always an essential element of brunch, opt for Safest Choice Eggs. These eggs go through an all-natural pasteurization process that eliminates the risk of salmonella, while still maintaining that farm-fresh flavor everyone loves. Safest Choice Eggs also let kids get in on the fun of preparation, while eliminating worries you might have about their getting sick.

* Put out an assortment of drinks for everyone to make non-alcoholic "kiddy" cocktails: sparkling water, orange, cranberry or grapefruit juice, lemonade, herbal iced tea and sliced fresh fruits are great options.

*Fill the buffet table with a mix-and-match assortment of glasses, plates, placemats, napkins and silverware. It will add visual appeal to the festivities and act as a conversation starter.

Sweet or savory, formal or relaxes, brunch is one of those meals that can do it all, and be whatever you want it to be. With these tips, and McCord’s recipe for ‘French Toast on a Stick’, you’ll be well on your way to organizing an easy, yet impressive, brunch that will brighten any day. For more ideas and recipes, visit www.safeeggs.com/recipes and www.weelicious.com.

French Toast on a Stick

Serves 4

Prep Time: 10 minutes

Cook Time: 10 minutes

Total Time: 20 minutes

Ingredients

1 cup milk (any kind of milk will work)

2 large Safest Choice Eggs

1 tablespoon honey

1 teaspoon ground cinnamon

4 cups brioche, French or sandwich bread (cut into 2 inch cubes)

1 tablespoon butter or oil

16 strawberries, stems removed

2 bananas, sliced into 1/2 inch coins

8 wooden skewers

Preparation

1. In a bowl, whisk together the milk, eggs, honey and cinnamon.

2. Dip the bread cubes in the milk mixture to coat each side.

3. Heat the butter in a skillet over medium heat and cook the bread for 1 1/2 minutes on each side, or until golden brown.

4. Skewer the French toast cubes, strawberries and bananas and serve with maple syrup for dipping.

Accompaniments: maple syrup, honey or raspberry-wee sauce

Hitting the road or water? Tips to make outdoor time fun, memorable and safe

4/24/2013

(BPT) - Americans are falling in love with Mother Nature all over again, which could be why ownership of boats and recreational vehicles is more popular than ever. If you own a boat or RV, do you use it frequently, or is it sitting in your driveway? It’s time to get the most out of it, and with a few simple ideas, you’ll be able to hit the road and create some wonderful family memories.

From pop-up to fifth wheel, U.S. ownership of RVs has reached record levels, according to the Recreation Vehicle Industry Association, with about 8.9 million households owning an RV. Boating is also as popular as ever, with purchases of power boats increasing throughout 2012 and into 2013, according to the National Marine Manufacturers Association. Smaller boats like pontoons, fishing boats and jet skis make up 96 percent of the 12.4 million registered boats in the U.S.

If you are a proud owner of a watercraft or RV, inspiration can be as close as your hometown or as far as across the country, with the help of a bit of research.

Tired of the same old parks and lakes? A new resource, www.LiveLifeLocal.com, makes getting the most out of your boat or RV simple. It’s designed to spark inspiration by housing a visual collection of thousands of ideas and places to go with your boat or RV. You’ll find everyday user reviews, insider information from boat and RV experts, and tools to socially connect with other users who are passionate about the same things. The site even digs deeper into additional lifestyles, providing motorcycle owners and car road trippers the same great resources.

LiveLifeLocal makes it easy to search based on geography, vehicle type and interest tags. For example, if you want to search for boating activities in the Dallas area, but only want items related to fishing, it’s easy to choose only those categories. It’s the perfect way to find new areas to explore in your own backyard or find fun places to visit if you’re taking a road trip.

Now that your destination is planned, step two might be trickier. If you’re like most families, packing up your entire crew for a road trip or boat excursion can sound like a daunting task. LiveLifeLocal has you covered with the site’s Featured Tips. For example, tips on how to pack smart for your next RV expedition include using compression sacks or vacuum bags for heavy jackets and pillows to save space. Also, pick a coffee maker that can make hot water and you can skip the tea kettle.

It’s no secret Americans like to have fun – hitting the road with an RV or boat in tow is a wonderful way to spend a weekend year-round. Don’t forget to pack a camera to capture all the fun and priceless memories.

What to look for in your next smartphone

5/22/2013

(BPT) - Seventy-nine percent of smartphone users have their phones on or near them all but two hours of the day when they’re awake, according to a recent IDC Research report. For many, smartphone use is now a way of life, making it even more important to think carefully before you choose your next one. Today’s market is competitive, and new phones, such as the BlackBerry Z10 and BlackBerry Q10, are emerging.

Most phone purchases come with a two-year contract. That means consumers need to think carefully before they buy, make sure they’re taking advantage of technology that will help them the most and look beyond the hype to focus on what’s most important.

Here are five questions to ask when you’re thinking about a smartphone purchase.

1. Is the phone you’re considering taking advantage of the latest technologies?

Over the course of the next few years, Near Field Communications (NFC) will offer new ways to exchange data and make payments. Before you sign your two-year contract, make sure your next device has NFC capabilities.

2. Will your new smartphone allow you to respond quickly and accurately to incoming messages?

Before you buy a device, make sure you try out the keyboard. Not all keyboards – virtual or otherwise – are created equal. Make sure the keypad spacing facilitates precision. The new touchscreen BlackBerry Keyboard, for example, learns your writing style and suggests words to help you type faster, more accurately and with the least amount of effort. Response is not just about typing; it’s also about being able to count on your browser to quickly give you what you’re looking for. Make sure your new phone is taking advantage of the latest browser technology to provide you with answers when you need them.

3. Will your new device allow you to capture the important moments?

As innovation in mobile camera technology is accelerating, why capture moments in grainy pictures where everyone has their eyes closed? With advanced camera features on today’s devices, you can take pictures in rich, brilliant detail where perfect smiles are captured for every person in every photo.

4. Will this new phone allow you to multi-task?

How often do you want to look at an email, while tracking Twitter and viewing a video? For true multi-taskers who are always on the move, the answer to that is all the time. Be sure your device is up to the challenge and can easily switch between multiple apps and media without the dreaded churn. With messaging inboxes like the Hub on the BlackBerry Z10, you can stay close to what's important and keep everything that matters to you in one place by peeking into the Hub from any app with just a single swipe.

5. Will your new phone keep you organized?

Most smartphones have a calendar, email, memos and tasks. Having all that information spread across multiple data silos on your device doesn’t necessarily keep you organized. In fact, it can do the opposite as you exhaust search capabilities across apps to find what you need. Make sure your new device can keep all your important details organized for quick reference so you aren’t spinning wheels drilling for information that should be readily available.

More than ever, today’s consumers are depending on smartphones to manage their daily lives. And smartphone technology continues to evolve to meet the ever-changing mobile lifestyle. Before you jump to make your next mobile purchase, think carefully about the features that will best help you keep moving through every day.

Innovations inspire high school girls to become next generation of female innovators, change the world through STEM

3/5/2013

(BPT) - When the high school class of 2014 graduates from college in five years, more than 8 million jobs will be available in the fields of science, technology, engineering and math (STEM). For students today, STEM is their future.

Innovations driven by STEM are shaping today’s economy. Though STEM accounts for a majority of job growth in the U.S., the number of students enrolling in relevant degree programs in college to fill these positions continues to decline, leaving a gap of skilled professionals. Women, in particular, are underrepresented in STEM. While women account for nearly half of all filled jobs nationwide, only a quarter of STEM-related positions are held by women.

Even with the known gap, many women are pioneering the industry, showing young girls they too can be successful in STEM. They are leading the charge in bettering the world by developing innovations and technologies such as global, online crowd-sourcing platforms that allow supporters to give funds from mobile devices. Others are advancing alternative energy products that deliver electricity, water and other basic resources in developing countries.

To help bridge the gap and ready the next generation of women innovators, many organizations support initiatives to introduce students, specifically young girls, to the importance of STEM. DeVry University, for instance, has its annual HerWorld program.

“HerWorld was created 16 years ago to educate high school girls about STEM and careers in STEM,” says Donna Loraine, provost/vice president of Academic Affairs at DeVry University. “Our goal is to show girls how they can make a difference in the world through these fields.”

A recent study by the Girl Scout Research Institute found that more than 80 percent of high school girls surveyed expressed interest in considering a career in a STEM field, including engineering, information technology and software development. This is a positive outlook, as positions in STEM are becoming available more rapidly than opportunities in any other field.

HerWorld empowers young women to succeed alongside their male counterparts by participating in confidence-building activities and hands-on workshops. They also hear inspirational stories from real, female role models working in STEM fields.

This year, nearly 7,000 girls from high schools across the country will attend local events during National HerWorld Month in March. Emmy-Award nominated actress Mayim Bialik, renowned for her roles on television series Blossom and The Big Bang Theory, is partnering with DeVry University to further the mission of HerWorld and inspire these girls by sharing her personal STEM journey – balancing her acting career while earning her Doctorate of Philosophy degree in neuroscience from UCLA.

“When I was a teenager, my biology tutor on the set of Blossom inspired me to think about science in a way that showed me that science was made for girls, too,” says Bialik. “It gave me the confidence to pursue a degree in the sciences. I want to motivate and encourage girls to work hard to improve their math and science skills and their perceptions about those fields, regardless of their career goals.”

Smarter snacking for spring and summer

4/29/2013

(BPT) - The air turns mild and warm, people gladly shed winter coats, and the days grow longer – everything about spring is lighter and brighter. Since the warmer months bring about many occasions to enjoy the best of backyard cookouts and boardwalk fare, the season’s more indulgently delicious offerings may cause us to consider departing from our wellness goals.

It is possible, however, to eat smarter this spring and summer by finding more wholesome options – without sacrificing the robust flavors and fun of the warmer months.

Grocery alternatives

Today, many of the foods we enjoy are offered in lighter, better-for-you versions that don’t compromise flavor. When shopping, look for these healthier alternatives to tempting summer treats.

For example, “figure-friendlier” frozen yogurt is now available in an assortment of varieties beyond basic vanilla – from fruit flavors to ice cream classics like chocolate or mocha. Healthy toppings, such as fresh fruit or dry nuts, add an extra dose of variety and texture to this warm-weather dessert.

For another smart snack option, look to Baked Naturals Tortilla Chips from Pepperidge Farm. Available in Simply Tortilla and Nacho Cheese varieties, these gluten- and preservative-free chips taste great and are always baked, never fried. Made with quality ingredients like stone ground corn and 16g whole grain per serving, Baked Naturals Tortilla Chips contain 43 percent less fat than the leading tortilla chip. Log on to www.pepperidgefarm.com to learn more.

At-home food prep

Some popular food preparations – like frying – tend to add calories and fat, but baking is a great alternative for summer that still allows flavor to shine through in your best dishes. Serving up homemade oven fries seasoned to your liking is one simple way to more healthfully enjoy a traditionally calorie-laden food.

Grilling is another great cooking method for the warmer months. Marinated meats, shrimp, and even chicken wings can easily be grilled and topped with various seasonings. Opting for main dishes that are usually accompanied by vegetables can also make finding room for fresh ingredients simpler.

Lastly, for a refreshing seasonal beverage, simply add slices of lemon or lime to a pitcher of ice water for a fresh splash of citrus flavor.

By being creative and open to new ideas, it’s possible to snack smarter this spring and summer – and find more wholesome alternatives, both at home and in the grocery store.

Knowing your health heritage: the familial link of diseases

3/22/2013

(BPT) - Family members can have many things in common, including physical characteristics and personality traits. While some traits are obvious, like having red hair or blue eyes, some shared traits are not as obvious, such as the risk for developing a common medical condition, like high cholesterol, or a rare disease.

A rare disease is one that affects fewer than 200,000 people, and about 30 million Americans have one of 7,000 known rare diseases. Because about 80 percent of rare diseases are genetic in origin, knowing one’s family history is an essential part of the recognition and diagnosis of these conditions.

Unfortunately, it’s not uncommon for family members of someone diagnosed with a rare disease to go untested, which could delay getting an accurate diagnosis and potentially appropriate medical attention. Families should keep an open line of communication about diseases that may be genetic and if appropriate, encourage their relatives to seek evaluation by a knowledgeable medical professional. Nikia, 32, who is living with a rare swelling disease called hereditary angioedema (HAE), knows firsthand the importance of familial testing.

HAE is a genetic disease that affects about 6,000 people in the United States. The disease causes repeated swelling attacks that can occur anywhere in the body, including arms, legs, hands, feet, stomach, genitals, face and throat. HAE attacks can be unpredictable, painful, debilitating and disfiguring. The average HAE patient endures about 10 years of repeated misdiagnoses before the disease is accurately identified. Along with a blood testing, a comprehensive family history can help accurately diagnosis HAE. Often, people who are diagnosed with HAE report having relatives who suffered their whole lives from severe stomach aches or unexplained episodes of swelling, or even relatives who died unexpectedly due to throat swelling, who likely had HAE but were never accurately diagnosed.

Nikia was first diagnosed with HAE when she was just 5 years old, after experiencing severe swelling all over her body. Nikia’s mother had also suffered from bouts of unexplained swelling throughout her life, but because her attacks were less severe and only occurred in her feet, she never sought medical attention. It was Nikia’s cousin who eventually encouraged her mother to get tested for HAE, and three years after Nikia was diagnosed, her mother’s testing indicated that she also had HAE. Because of her cousin’s persistence, Nikia’s mother was finally able to understand the cause of her own unexplained swelling episodes and received medical attention that helped her manage her attacks.

Understanding the likelihood that she could pass HAE on to her children, Nikia had both of her children evaluated for the disease. Although her daughter was not diagnosed with the condition, her son eventually was. When Nikia’s son was about 3 years old, he was frequently being sent home from school for nausea and vomiting. Nikia, who had experienced similar symptoms as a child, recognized the likelihood that it could be due to HAE. Testing confirmed that her son did, indeed, have the disease.

“When my son was diagnosed with HAE, I wasn’t afraid or sad,” says Nikia. “It gave me the spirit to further educate myself and other health care providers so that they could potentially help someone else by getting an earlier diagnosis. I learned as much as I could about the HAE landscape so that I could be the best advocate for my son.

Today, Nikia dedicates much of her time to staying up to speed on new information or medical advances in HAE and spreading awareness of the disease amongst her family, friends and community. She shares the new information she learns with her extended family and encourages members of her family to get evaluated for the condition. To date, she has prompted two cousins to undergo testing for HAE. It is her hope that her loved ones will also spread knowledge about the disease so that others may be properly diagnosed without having to endure years of untold suffering.

“Even though some of my family members have been tested for HAE and the results came back negative, they are now educated about this disease and can help raise awareness among others,” says Nikia.

To learn more about HAE and to access helpful tools for families impacted by HAE, visit www.HAEandMe.com, an online resource for people with HAE, their friends and family members that offers tips and advice for people of all ages. To find a health care professional, visit www.HAEA.org, the official website of the U.S. Hereditary Angioedema Association.

Cycling into spring [Infographic]

4/24/2013

Check your tire pressure and strap on your helmet! It’s time to get bikes out of storage and head out for a ride in the warm, fresh air – shaking off winter for good. Master Lock recently surveyed consumers to find out their safety and security habits – can you believe almost half of bike riders have either had their bike stolen or know someone who has? Check out the company’s survey results, safety information and fun facts below. Pedal on!

Five questions to ask before you tie the knot

3/14/2013

(BPT) - “I’m so lucky I’m marrying my best friend,” is a phrase you often hear in wedding toasts. Now that you’ve found the person you want to spend the rest of your life with, make sure you protect each other by considering the bigger financial picture.

According to Wedding Paper Divas, 47 percent of engaged couples spend between one and nine hours per week planning their weddings, but it’s unlikely that much of that time is spent planning for life after the big day.

“Getting married is the perfect time to take a fresh look at your entire financial picture, including your insurance needs,” says Doug Smith, senior vice president of the Personal Lines division at Erie Insurance. “It’s much better to plan before the wedding so there are no surprises later.”

Here are five key insurance questions to discuss with your spouse-to-be before taking a walk down the aisle:

Where’s my bling?

Chances are you spent a lot of time and money picking out rings you’ll love and wear every day. But according to asecurelife.com, one in 36 homes in the United States will be broken into this year, so it’s important to make sure you have the right insurance to cover your rings if they’re lost or stolen.

Your strategy: Have your rings appraised to establish their value. Keep your store receipts and take a picture of the rings. Having pictures and documentation helps speed up the claims process if you have to file a claim. Also, keep your rings in a safe deposit box when you’re not wearing them.

Baby, can you drive my car?

Once you’re married, your spouse generally will be covered on your auto insurance policy and vice versa. This could mean opportunities for savings.

Your strategy: Once you become a two-car home, you may be eligible for a multi-car discount. You should also consider bundling your car insurance with your homeowners and/or life insurance which can result in even more savings. Additionally, some insurance companies offer a lower rate for married couples, so talk to your insurance agent to find out if this applies to your policy.

Have you protected the things that make your house a home?

Are you planning to move into a new home after the honeymoon? Whether or not your living situation changes, make sure your home and belongings are protected.

Your strategy: Consider what new pieces will be added to your abode. If you purchase new furniture, art pieces or any other new belongings, it’s a good idea to make sure those items are covered in case of theft, fire, or natural disaster.

You’ll also want to make sure your home insurance covers 100 percent of the cost to rebuild your home if needed. “Do your research,” says Smith. “Some insurance companies cap their coverage at a certain amount. That means you could find yourself substantially underinsured, even if you thought you were paying for so-called ‘replacement cost’ insurance.”

What do you need to do before plunging into a remodeling project?

Even if you’re not purchasing a new home, two people in a house means you need more space, so you may be adding on to your existing home. This can mean workers doing potentially dangerous jobs in the home.

Your strategy: When you hire a contractor, request a certificate of insurance to confirm their liability and workers’ compensation coverages. Review the certificate and your homeowners policy.

Have you thought about life after you say “I do?”

When you get married, you may become part of a dual-income household. When this happens, you plan your future based on a new budget created by two incomes, which brings increased financial responsibility. Should something happen, surviving family members could struggle without the right level of protection.

Your strategy: Make sure your spouse is protected if one income is lost. Universal life insurance provides insurance for your entire life and builds a cash value. Term life insurance provides affordable coverage for a set number of years. Some websites, including erieinsurance.com, offer online calculators to help you determine how much insurance you need. As you begin to build a nest egg, you have more assets to protect. A personal umbrella policy provides extra protection for you and your family against lawsuits arising from personal injury or property damage claims.

While it’s important to plan for rain on your wedding day and to make sure everyone has a place card, it’s even more important to plan for what comes after the moment you say “I do.” Making the proper insurance and financial arrangements will be a load off your mind if something should arise.

Survey: More parents pursuing college degrees, talking to children about higher education

4/1/2013

(BPT) - Enhanced earning potential and more career opportunities are two of the many benefits of earning an advanced degree. Now, many mothers and fathers in America have discovered another benefit of going back to school – it is a great parenting tool. Parents are considering higher education not only to help them get ahead in the workplace, but also as a way to set a positive example for their children, according to a recent survey from University of Phoenix.

“I had considered returning to school for some time,” says Janet O’Neal, a production supervisor with an international manufacturing company in Sheridan, Ark. “For me, the decision to earn a bachelor’s degree in business management wasn’t just about advancing my career. My daughters were a huge motivation. I wanted to set a good example for them of how important higher education is.”

O’Neal’s motivation appears to be increasingly common. Parents are twice as likely to go back to school as non-parents, according to the survey, and 46 percent of parents who have plans to head back to school will do so to make their families proud. Eighty-one percent of the parents also said they believe a degree is important in today’s job market.

If parents are considering returning to school, here are a few simple ways to help ensure a rewarding experience for them and their children:

1. Talk to children early – Parents often start saving for a child’s college education when that child is still in elementary school. Why not start talking to them about the importance of higher education at the same time? More teachers are incorporating real-world applications and hands-on learning into their lesson plans, making it even easier for parents to talk to their children about what they are learning.

2. Illustrate education as the path to a career – It is important for children to understand how education can have an impact on their career prospects as adults. Identify learning projects that can help children explore careers and understand how their education can apply to different types of professions.

3. Make education a family affair – Establishing a family study time is a great way for parents and children to connect over a common goal. Seeing a parent display dedication to studying and earning a degree helps children understand the importance of developing a work ethic and setting priorities.

4. Involve other key individuals in the decision, including children – Parents balancing family, work and school obligations can benefit from discussing their educational goals and commitments with influencers in their lives, including employers, friends and family members. This support network can help a parent stay on track with classwork, studying and deadlines. Moreover, children in middle and high school may actually have insights into studying and test preparation that are novel to a parent who has been out of the classroom for some time.

“It is never too early for children and never too late for parents to realize the importance of a post-secondary education,” says Dr. Meredith Curley, dean of the College of Education at University of Phoenix. “Parents who choose to pursue higher education, not only improve their own career opportunities, they model important behaviors such as work ethic and a commitment to learning for their children.”

What parents need to know about concussions

3/18/2013

(BPT) - Parents of young athletes know that along with the many benefits of participating in sports, there comes a certain amount of injury risk. And while most would agree that the benefits of being active and involved in athletics outweigh those risks, it’s important to make sure your child gets proper treatment if an injury occurs. As more evidence surfaces about long-term health challenges related to concussions, it’s especially crucial that parents bring themselves up to speed on the proper procedures for caring for an athlete who experiences a concussion.

The most important thing parents need to know about concussions is that if an athlete exhibits any signs or experiences any symptoms of a concussion, he or she should be immediately removed from play. While this recommendation is nothing new, the American Academy of Neurology (AAN) is again emphasizing its importance with the release of its updated 2013 sports concussion evidence-based guidelines.

“Among the most important recommendations the academy is making is that any athlete suspected of experiencing a concussion should immediately be removed from play,” says Christopher C. Giza, MD, co-author of the AAN guidelines. “We’ve moved away from the concussion grading systems we first established in 1997 and are now recommending concussion and return to play be assessed in each athlete individually. There is no set timeline for safe return to play.”

For parents unfamiliar with concussion signs and symptoms, they include:

* Headache and sensitivity to light or sound
* Changes to balance, coordination and reaction time
* Changes in memory, judgment, speech and sleep
* Loss of consciousness or a “blackout” (happens in less than 10 percent of cases)

Removal from play is just the first step in properly treating a concussion. After a player who is exhibiting concussion signs or having concussion symptoms is removed, it’s equally important that the player be examined by a licensed health care professional trained in diagnosing and managing concussions. “Being seen by a trained professional is extremely important after a concussion,” says Jeffrey S. Kutcher, MD, co-author of the AAN guidelines. “If headaches or other symptoms return with the start of exercise, stop the activity and consult a doctor.”

If your athlete is diagnosed with a concussion, it’s extremely important to follow the recommendations of the health care professional, and the athlete should not be permitted to resume any sports-related activities until he or she is cleared by a licensed health care professional to do so. Parents, coaches and officials should all work together to see that the health care professional’s recommendations are followed, ensuring the best possible short- and long-term outcome for the athlete.

Parents, coaches and officials should familiarize themselves with concussion protocols before they ever get to the field or court, but the AAN also offers a smartphone app should you need to review them. The Concussion Quick Check app can be downloaded free of charge and provides a handy guide to making sure your athlete gets the proper care.

In addition to emphasizing proper care for athletes exhibiting concussion symptoms, the new AAN guidelines include the following concussion-related findings:

* Among the sports in the studies evaluated, risk of concussion is greatest in football and rugby, followed by hockey and soccer. The risk of concussion for young women and girls is greatest in soccer and basketball.

* An athlete who has a history of one or more concussions is at greater risk for being diagnosed with another concussion.

* The first 10 days after a concussion appears to be the period of greatest risk for being diagnosed with another concussion.

* There is no clear evidence that one type of football helmet can better protect against concussion over another kind of helmet. Helmets should fit properly and be well maintained.

* Licensed health professionals trained in diagnosing and managing concussion should look for ongoing symptoms (especially headache and fogginess), history of concussions, and younger age in the athlete. Each of these factors has been linked to a longer recovery after a concussion.

* Risk factors linked to chronic neurobehavioral impairment in professional athletes include prior concussion, longer exposure to the sport and having the ApoE4 gene.

* Concussion is a clinical diagnosis. Symptom checklists, the Standardized Assessment of Concussion (SAC), neuropsychological testing (paper-and-pencil and computerized) and the Balance Error Scoring System may be helpful tools in diagnosing and managing concussions but should not be used alone for making a diagnosis.

To view the entire AAN concussion report and find more concussion resources, visit www.aan.com/concussion.

The food and the fun that define summer

4/25/2013

(BPT) - When the weather warms, there are plenty of fun outdoor activities to enjoy, which means there’s also a bounty of summer fare to eat. From the traditional to the intriguing, you never know what interesting food choices you may find while out and about. What better way to kick off summer than with a few fun activities that pair good times with the foods that define the season?

Try these ideas for fun and fantastic food to maximize your summer months:

* The food truck scene
The fun: Summer is prime season for food trucks – this trendy, quick-dining option allows you to explore different flavors while on the move. Do a little online research to find out where your city’s best food trucks like to set up shop – they tend to frequent parks, gardens and even busy city blocks. Whether you grab the kids for some playground action or just want to spend your lunch hour relaxing outdoors, food trucks can be a big hit.

The food: If you think you’ll be limited to fries and burgers, you are mistaken. The sky is the limit when it comes to food truck cuisine. From spicy tacos, to authentic Italian dishes, to delicate crepes – favorite food trucks develop quite a following. Fear the spills of eating on the go? Pack a few Tide to Go Stain Erasers. These powerful, disposable pads are small enough to fit in your wallet or purse, and can quickly eliminate any unintended drips so you always look your best.

* The beach and the boardwalk
The fun: If you’re lucky enough to live by the ocean or a lake or if you’re visiting one on vacation, the ultimate in summer fun is easily within reach. The sand, the sun and the water are some of the best parts of the summer months, so slather on some sunscreen, grab your towel and a few tunes, and head to the beach.

The food: Classic boardwalk food
Hot summer days at the beach call for cool, sweet treats. Hit up the boardwalk and you’re sure to find a variety of frosty concoctions. Sip on a colorful slushy or fruit smoothie. Lick your way through a creamy cone or refreshing frozen treat. You might even find frozen fruit kabobs, an icy treat packed with vitamins.

* Festivals, fairs and fields
The fun: Big outdoor gatherings are great ways to spend a summer day. Whether you’re heading to see your favorite bands at an outdoor music festival, visiting the state fair to see the animal exhibits, or cheering on your favorite baseball team, you’ll find plenty of activities and memory-making potential.

The food: Festivals, fairs and ball fields are all known for good food – people not only need to stay fueled for these all-day events, they also want to indulge in a few special treats. So grab those salty fries, crispy corn dog, or sugar-dusted mini donuts – you only live once, right?

* Picnics and barbecues

The fun: Whether impromptu or formally planned, picnics and barbecues with friends are a welcome part of summer. People of all ages enjoy socializing casually outdoors, playing classic yard games and of course, indulging in grilled delights. Planning a gathering? Have everyone bring an outdoor game or food to share to cut down on hosting hassles.

The food: The grill is the focal point of any picnic or outdoor party. Whether it’s ribs, chicken or brisket, saucy barbecue is the star of the show. Add some fresh grilled veggies and you have a meal that will be quickly devoured. Don’t fear dribbles – place a few Tide to Go Stain Erasers on the table just in case you or your guests suffer from any barbecue blunders.

Summer fun paired with fantastic food is the perfect combination to create long-lasting memories. So get out and enjoy some of your city’s events, or call a few friends over for a patio party. Then Tweet @Tide to share the foods and fun activities you’re enjoying during the long, beautiful summer days.

How classroom technology can benefit your child's education

2/4/2013

(BPT) - Historically, the term “digital divide” has referred to the gap in technology levels between developing and first world countries; however, it’s truly the divide between the more affluent and the underprivileged. While the divide has a worldwide reach, it’s important to remember that the gap is growing in America, too. Improving technology in schools – and how it’s used in learning – is an important topic because it offers students a more effective way to achieve, fully preparing them to be skills-ready for a successful future.

Today, the majority of schools in America have computers of some kind. Still, many schools, particularly rural schools and those with a high percentage of minority students, lack reliable Internet access or have old computers that aren’t compatible with current software. Concerned parents, teachers and educational leaders are rallying for change.

Providing students with modern, mobile computers and access to the Internet at school and at home promotes hands-on learning that engages students. When children are interested and excited, the learning process comes naturally. Across the country, one-to-one programs – meaning one computer is supplied for each student – are gaining interest and receiving funding. Some districts have even approved BYOD programs, or bring your own device programs, that allow students to bring their own technology (i.e. laptops, tablets, smartphones) from home to use in the classroom.

These technology enhancements are creating a 21st century classroom environment that focuses on today’s students’ needs. Rather than the teacher lecturing at the front of the classroom, students are taking the lead by exploring different topics, answering their own questions, and interacting with peers and their teachers by accessing information through technology. Benefits abound: According to Project RED, an education research organization that analyzes technology in the classroom, schools with one-to-one programs have higher test scores, better graduation rates and fewer discipline problems.

Students aren’t the only ones that come out ahead – teachers benefit from technology, too. It actually enhances the teacher’s ability to connect with students, expands access to instructional material and allows the teacher to facilitate a richer, more meaningful classroom experience.

For all the benefits of better classroom technology, funding can be an issue. While adding computers, maintaining hardware and software, and funding ongoing technology support can be costly, there is also the potential to save money through improved efficiency. In fact, according to Project RED, adding effective classroom technologies can result in increased efficiency and cost reductions – even when maintenance costs are included.

For example, instructional materials contribute to this cost savings. Traditional paper textbooks can be costly and become outdated quickly. Digital content offers one effective solution to this problem by giving students and teachers access to the most up-to-date materials online, bringing the world into the classroom and often at a fraction of the cost. Online courses, assessment and professional development are additional areas where cost savings can quickly add up.

How to spearhead a technology change in the classroom

Whether you are a parent who wants computer access in your child’s classroom or you’re an educator who wants to enable an improved learning experience through better technology, here’s how you can start the conversation and make a difference:

1. Use the K-12 Blueprint. Found at www.K12blueprint.com and sponsored by Intel Corporation, this website is a free resource for planning and implementing technology initiatives in districts. You’ll find a plethora of useful information, including practical guidelines, funding advice, curriculum considerations and real-world success stories.

2. Involve the people who care. Start discussions with fellow parents, teachers, principals and even the educational board to create a vision and plan. Discuss specific reasons for the technology improvements and benefits for the students as well as staff.

3. Explore professional development opportunities. How we teach with technology is just as important as having technology in the classroom. Ensure teachers in your community have the professional development opportunities they need so their students are learning with technology in the most effective way possible.

4. Be patient to overcome challenges. Technology isn’t a one-time investment – computer maintenance, software upgrades and continued professional development are important. Providing teachers training and creating a support network can be a time commitment. Patience and persistence are key to the success of eager students.

Technology in the classroom can help close the digital divide within the U.S., but it’s up to parents, grandparents, teachers, schools and entire communities to work together to make change a reality. When used properly, technology can provide students with a stronger education, paving the way for future innovations and research.

Money and marriage: Tips to achieve financial happiness

3/19/2013

(BPT) - Fights over finances are a commonly known cause of stress and divorce, and a new survey indicates that while the average couple fights over money five times a year, they discuss finances reasonably fewer than two times a month. Every couple knows there are some topics you just don’t bring up – his mother’s dreadful cooking, your uncle’s bad manners. Money, however, should never be among those subjects you don’t discuss – especially if you’re planning your wedding.

“In today’s economy, it’s rare that a couple enters matrimony debt-free,” notes Carrie Braxdale, managing director of investor services for TD Ameritrade, Inc. (“TD Ameritrade”), a broker-dealer subsidiary of TD Ameritrade Holding Corporation. “Yet many newly engaged couples may be as hesitant – or even more so – to discuss finances as couples who have been together for years. They can get a jump-start on a lifetime of wedded bliss, however, if they take time to talk frankly about finances before they walk down the aisle.”

The survey conducted by TD Ameritrade Holding Corporation and LearnVest, found that couples today face three top concerns when it comes to their finances: Not having enough money to retire (27 percent), not having enough money to live as they wish (25 percent), and not having enough money to even live comfortably (24 percent).

Trust over money also emerged as a big issue. Forty percent of respondents do not completely trust their partner to manage their combined finances. Just over one in five (21 percent) admit they sometimes hide their spending from their partner. Thirty-eight percent say they are either unaware or only partially aware of their mate’s debts. Perhaps they feel that ignorance is bliss.

Braxdale offers some advice to couples looking to take control of their finances and learn to talk effectively about money:

* Be open about debt before you say “I do.” Keeping secrets about how much you each owe on student loans, credit cards or auto loans is no way to start off a marriage. While talking about money might not be the most romantic conversation you ever have with your intended, it’s one of the most important.

* Check your credit scores. You’ll both keep your own score after you’re married, but purchases you make as a couple afterward – like a house or car – can be affected by both your scores. Check your scores at least once a year; doing so can help you catch and correct errors or fraud, and help you better manage your credit and overall finances.

* More people are marrying later in life, so one or both partners may enter the union with a 401(k), IRA or other investment accounts. It’s important to discuss long-term retirement savings goals, and understand how you both plan to manage these accounts. Websites like TD Ameritrade’s Life 2.0 and Retirement Planning can help by offering access to free resources like retirement calculators and portfolio planners. You’ll also find information on making financial decisions that can help you meet your financial goals, whether you’re just starting out in your life together, growing your family or approaching your retirement years.

* Get to know each other’s saving and spending habits. One partner may be frugal and the other more of a spender, but arguments don’t have to be inevitable. You’ll need to discuss your habits and work together to find spending and saving solutions that work best for both of you, and for your shared financial goals.

* Build a budget that incorporates savings goals, income and expenses. Discuss whether combined or separate bank accounts make the most sense for you, and be sure your financial goals are in sync.

“Open discussions about money, credit, retirement savings and financial health are an important step toward a healthy relationship,” Braxdale says.

Safety tips for seniors: reducing risk, increasing peace of mind

3/22/2013

(BPT) - If you’re just entering retirement, chances are you have many years of good health and independence ahead. But the normal aging process still brings limitations that we all need to prepare for - such as slower reaction times and declining vision - which can lead to accidents and injuries.

Many accidents are preventable though, and you can take simple measures to enhance your safety as you age.

In your home

Falls are one of the greatest age-related risks inside the home. One in three adults older than 65 falls each year, and the risk of injury rises with age, according to the National Safety Council. Many falls are caused by hazards that are easy to avoid if you know what to look for.

To prevent tripping, eliminate clutter on floors, remove throw rugs or tack them down with double-sided tape, and make sure electrical and phone cords are kept out of the way. You might need to rearrange some of your furniture as well, to ensure that there are unobstructed pathways into and out of every room.

In the bathroom, use a nonslip rubber mat or stick nonslip adhesive strips to the bottom of the bathtub or shower. You may also want to consider installing grab bars. Keep a night light on in the bathroom at night, and remove any obstacles in the path from the bedroom to the bathroom.

If your house has stairs, make sure they have good lighting (with light switches at both the top and bottom of the staircase) and sturdy handrails (preferably on both sides). Attaching nonslip rubber treads is a good idea if the steps are potentially slippery.

The kitchen presents a slightly different set of potential hazards. To reduce the risk that you’ll cut or burn yourself, make sure there is bright, nonglare lighting over all food preparation areas. Also, it’s better to store sharp knives in a knife block or rack rather than loose in a drawer. And make sure any hazardous substances (such as cleaning supplies) are well marked and stored in a place where they’re unlikely to be misidentified or come in contact with food.

Outdoors

To make your yard safer, replace or repair any broken or loose paving stones and clear the walkways of overgrown branches or any other potential tripping hazards. Make sure all handrails are firm and secure. Mark the edges of steps with reflective tape and check that there is enough light to see obstacles at night.

You might want to consider a timer or motion-detector light near the front door so you don’t have to fumble with your keys in the dark. And, just in case, make sure your house number is visible and lighted so emergency personnel can find it quickly.

In the car

To increase your safety on the road, have your vision and hearing checked every year, and, if you need them, wear your glasses or hearing aid when driving. Know your limitations and avoid situations that make you uncomfortable - for example, you may decide to avoid driving at night or on extremely busy roads.

Have your car checked regularly by a trusted mechanic to make sure it stays in good working order, and keep a cellphone with you so you’re prepared in case of an emergency, which can’t be emphasized enough. It’s good to have a cellphone on hand for any type of emergency - not just in the car. In a 2011 survey by the Pew Research Center, 40 percent of respondents who owned cellphones said that in the past 30 days they had found themselves in an emergency situation in which having their phone with them helped.

Knowing that you can call for help at any time provides great peace of mind, and a cellphone doesn’t need to be complicated or expensive. Consumer Cellular (www.consumercellular.com), the exclusive wireless provider for AARP members, is one carrier that provides no-contract, cost-effective wireless service and cellphones. Their senior-friendly Doro PhoneEasy 618 is an easy-to-use feature phone with a one-touch emergency button and a feature to store all your I.C.E. (in case of emergency) information.

Most accidents don’t just happen. If you follow these simple safety tips, you’ll decrease your risk of injury - and increase your chances of enjoying a long, happy retirement in the comfort of your own home.

Pregnancy can be a beautiful thing

3/21/2013

(BPT) - The big news that a baby is on the way is a time for celebration, excitement and planning. Many couples choose to keep this information quiet for the first couple of months, so they can celebrate the upcoming change in their life together. But sometimes, morning sickness for the mom-to-be can let the news out of the bag earlier than intended.

Morning sickness – pregnancy-related nausea – is very common, especially during the first trimester. However, the problem isn’t the same for every woman, as the nausea can occur at any time of day or night (not just in the morning) and some women experience it throughout their pregnancy. For some women, it’s a minor annoyance. For others, it can become a serious issue. No one is sure exactly what causes it, but hormonal changes that take place during pregnancy probably play a role.

Morning sickness relief can be complicated, too, since many women try to avoid taking medications during pregnancy. And what works for one woman, may not be as effective for another.

Fortunately, if you’re experiencing morning sickness, there are natural, alternative remedies that can help control your upset tummy, and help you keep your news private until you’re ready to share. Some are age-old (taking ginger for an upset stomach) and some are leading edge (using a wrist band to provide acupressure). Here are some nonmedicinal remedies you can use to relieve morning sickness:

* Lifestyle changes – Making certain changes in your eating habits can also help relieve morning sickness, according to the Mayo Clinic. The clinic’s website recommends mothers-to-be choose foods that are high-carb, low-fat and easy to digest, and avoid greasy, spicy and fatty foods. Having an empty stomach can actually make nausea worse, so consider snacking on a few crackers or a piece of dry toast before getting out of bed and snacking throughout the day rather than eating three larger meals.

* Ginger – For centuries, Asian cultures have recognized ginger’s ability to help settle an upset stomach. You may find sipping ginger tea will help relieve your nausea, or you can increase the use of this spice in your cooking to help create a more even, lasting effect. For times when you need quick relief, you can try ginger lozenges. Sea-Band makes a variety, dubbed Mama! Ginger Lozenges, that also include folic acid, which is believed to help promote healthy fetal development. These are available at Walgreens.com.

* Aromatherapy – Sensitivity to certain smells is also common during pregnancy and can even bring on pregnancy-related nausea. Aromas can also help relieve symptoms. Scents like ginger, peppermint and spearmint can help an unsettled stomach feel better. At home, try potpourri or sachets scented with these essential oils. On the go, a wearable product, like Sea-Band Mama! pocket-sized Essential Oils Rollette can help deliver the soothing aromas of spearmint and ginger.

* Acupressure – Just as wearing an acupressure wrist band can help fight motion sickness, these bands may help moms-to-be relieve morning sickness. Available at Walgreens.com, products like Sea-Band Mama! place continuous pressure on a specific point on the wrist that has been associated with relieving an unsettled stomach. An Italian study found that pregnant women who used Sea-Bands had their morning sickness symptoms reduced by 70 percent.

For all the joys pregnancy can bring to your life, you’ll have to cope with challenges too. Morning sickness – like puffy ankles and an expanding waistline – is a reality of pregnancy, but it doesn’t have to spoil your enjoyment of this special time. Natural remedies can help you feel better without the potential risks of medication. To learn more about acupressure and ginger remedies, visit www.sea-bandmama.com. Sea-band products are available online at www.sea-band.com and www.drugstore.com.

How to be your kids' fitness mentor

4/24/2013

(BPT) - “Do as I say, not as I do,” has never been an exemplary parenting style. As childhood obesity has more than doubled over the past 30 years, the need for an active lifestyle has never been greater. If parents make fitness a priority, chances are their kids will too.

“If you’re a parent, whether you’re aware of it or not, you are your children’s fitness mentor,” says Kara Thom, co-author of “Hot (Sweaty) Mamas: Five Secrets to Life as a Fit Mom” (Andrews McMeel, 2011). “When parents exercise, they increase the odds their children will grow up to be active adults, making fitness a family value and turning exercise into family fun time.”

But it’s not only about fitness. Parents need to encourage their children to lead overall healthy lifestyles – and nutrition plays a big role. Starting kids on proper nutrition plans when they’re younger helps build healthy eating habits for the future. Start by trying to eliminate or decrease known unhealthy ingredients, such as bleached flour, processed sugar, food coloring, high-fructose corn syrup, preservatives, hormones and trans fats.

For both fitness and nutrition, planning ahead is the key to encouraging kids to live the healthy way of life. Additional suggestions to make fitness important to kids include:

1) Join a fitness center where kid fitness is as important as adult fitness.

If you expect to exercise when you go to the gym, you should also capitalize on the opportunity to get your kids moving. At Life Time – The Healthy Way of Life Company, kids’ programming includes traditional kid classes like martial arts, gymnastics and soccer, as well as pint-size group fitness classes, like Zumbatomic and yoga, so kids get exposed to the same fitness experience as their parents.

“The kids’ programming at Life Time Fitness is designed to show kids that fitness is fun and allows children to discover their interests starting at a young age,” says Jennifer Veres, national senior program manager for kids’ activities at Life Time Fitness.

2) Pursue fitness goals together.

When Nina Hamza, 39, from Deephaven, Minn., signed her children up for kids swimming lessons, she saw the opportunity to sign herself up for adult swim lessons. The results exceeded her expectations. Not only did everyone improve in the pool, they found a way to bond as a family.

“My kids loved that I asked their advice on things; about how to breathe easier or what to do if you get a leg cramp,” Hamza recalls. “Also, I appreciated their hard work more. I was in awe of their ability as I was learning and they were encouraged that I was so impressed by them.” Her kids, who participate on the Life Time Swim Team in Chanhassen, Minn., where she takes her lessons, continue to encourage her with pep talks. “How great is that? They are taking an active interest in their mom’s life,” says Hamza. “That alone is worth the time and effort to learn how to swim myself.”

3) Keep kids engaged in physical activity year round.

It’s easier to schedule lessons and workouts when school is in session and there’s a routine. But when summer comes around, you find your kids at “lump camp,” on the couch with video games. Take some time in the spring to plan out the summer months and schedule physical activity most days of the week, whether they are walking the dog, getting to the neighborhood park, or attending special summer programming that keeps kids on the move.

“Every summer we welcome thousands of kids to our Life Time Summer Camps,” says Veres. “Life Time Kids includes daily activity but also a different weekly theme and field trip.” Because the camps take place at Life Time, kids can also participate in swimming lessons during their camp day, creating one less thing for parents to schedule, and the extended camp hours allow Mom or Dad flexibility to plan their day and get their daily workout in.

Avoid the summer slide: 7 fun, brain-stimulating activities for students

5/8/2013

(BPT) - As summer approaches, many parents are worried about the summer learning slide, and with good reason. Students who do not participate in enrichment and learning activities during the summer break can lose roughly 22 percent of the knowledge and skills they gained during the previous school year, according to the National Summer Learning Association.

“This significant loss in knowledge can mean a child may spend the first two months of the new school year playing catch-up,” says Dr. Ashley Norris, assistant dean of the College of Education at University of Phoenix. To avoid the summer slide, Norris says it is important to plan a mix of activities for children during their time off. “Many parents focus on sports and other extracurricular activities over the summer, but parents also need to look for learning opportunities that emphasize math and reading skills.”

Norris, who is also an instructor for teacher preparation courses at University of Phoenix, offers seven fun, educational activities that parents and children can embark on this summer and throughout the year. Not only can these activities help kids avoid the summer slide, but they also provide parents with opportunities to connect with their children.

1. Turn everyday activities into teaching opportunities
Teaching opportunities occur every day in your home or own backyard. To help children grow their math skills, ask them to make the grocery list, go shopping with you and practice adding up the bill and calculating the tax. Then invite children into the kitchen to learn about cooking and practice fractions by measuring ingredients. If you garden, have children help seed and tend to the plants. Study the animals and bugs in your yard, such as birds, squirrels, deer, lizards, worms or lady bugs.

2. Turn learning into an adventure
Look at your city’s community calendar or open the morning newspaper and choose an adventure for the day. Visit the farmers’ market to learn about vegetables. Attend concerts in the park or other community music events, then research the instruments. Head to the local nature center to learn about native plants and then return home and have kids draw what they saw.

3. Embrace technology and create interactive projects and activities
Involve children in digital storytelling by using computer-based tools (video, photos and presentation software). For instance, your children can use family photos and videos to tell a story about summer activities, and you can keep it as a precious memento. Another fun activity pairs technology with the outdoors – geo-caching is a high-tech treasure hunt you can do in just about any city across the country.

4. Focus on core competencies
Book-making is a great way to build reading, writing and research skills. Summer camps help children grow social skills and allow them to gain knowledge at the same time. Look for science and technology camps that provide hands-on learning projects such as bridge building, mouse-trap cars or the construction of robots. Alternatively, do your own research and try these projects at home. Many science museums offer home projects on their websites.

5. Balance academic and social engagement
It is important to give children a balance of activities during their break. Not only does playing with friends provide important social engagement, but it also gives parents insight into how their children learn best. Educational activities can be fun in groups too – your children enjoy both social stimulation and keep their brains buzzing.

6. Summer learning activities do not have to be expensive
Many of the best summer learning activities are free or cost very little. Visit your local public library to borrow books, and pick up an event schedule for story times, art activities, reading clubs and more. Head to a museum during free admission days. Also consider virtual museums, accessed on a home or library computer.

7. Be engaged in your child’s learning
A variety of stimulating activities help children avoid the summer slide, but activities also serve as an opportunity for parents to connect with children on a deeper level. When you find out what interests your child, build an assortment of activities based on those preferences. Then plan activities together and explore those interests. You’ll both enjoy the quality time spent together.

How your unused airline miles can help a child

4/18/2013

(BPT) - Helping a child in need may be easier than you think, by redirecting a common resource that often just goes to waste.

Industry experts say Americans collectively are holding on to 9.7 trillion unused airline miles. Many people don’t have enough miles to qualify for reward travel. Others aren’t able to use the miles they have during the times that work for them. However, there is an easy way to use those miles to help change the lives of children with life-threatening medical conditions.

Make-A-Wish recently launched a concerted effort to raise airline miles and dollars to fund tickets for wishes that involve travel.

In 2012, Make-A-Wish granted nearly 14,000 life-changing wishes to children with life-threatening medical conditions; 74 percent, or 10,360, of those wishes required air travel. To cover the cost of all of those wishes, Make-A-Wish would have needed approximately 50,000 airline tickets or 2.5 billion airline miles, or $37.5 million. Every mile or dollar donated helps Make-A-Wish focus more resources on reaching more eligible children in communities across the country, granting their one wish.

Each wish-come-true is a powerful experience in the life of the recipient, and everyone involved. The wish experience often is a pivot point in the course of a child’s treatment, and can make them feel better, and in some cases, even help them get better. A wish strengthens families, reduces stress, provides happiness and inspiration, and helps create strong community bonds.

Make-A-Wish is committed to the vision of someday granting the wish of every eligible child, every year. To help move closer to that vision, Make-A-Wish is encouraging individuals to join other supporters, like WWE Superstar John Cena, in donating airline miles or dollars at wish.org/tickets. The donation of airline miles is quick and easy; all one needs is their frequent flier number and basic personal information. Watch the Make-A-Wish video “Help Wish Kids Take Flight.”

Traveling made simple: easy, convenient snacks to tag along on your next trip

3/26/2013

(BPT) - With family vacation time nearly here and plans for road trips underway, it’s tempting to give in to quick, unhealthy solutions while packing snacks for the road. Here are some creative ways to revitalize your family’s snack routine and help you enjoy delicious and nutritious snacks on the go.

Crunch time

Crunchy snacks are a must-have when hitting the road or catching a flight to your favorite family vacation spot. Snack bags full of granola, cereal and other crunchy favorites can be just the ticket to getting a healthier treat and can even help stave off a temper tantrum. Try making homemade granola, pretzels or even combining your kids’ favorite cereals and pretzels to give them a salty-sweet mix they will love. You can even add a dash of cinnamon to liven up the flavor of granola. Pack it in small plastic bags for easy portion control and access – important when you’re running through the airport.

Get your squeeze on

There are a number of fun, grab-and-go snacks on the market today that make it more convenient than ever to get your kids the nutrition they need when you’re on-the-go, like Mott’s Snack & Go pouches. Kids love these delicious apple sauce filled pouches, which are easy to open and are an excellent source of vitamin C. The convenient pouches can be chilled or eaten at room temperature, making them perfect for traveling with kids of all ages.

Cheese, please

Cheese is a staple when it comes to keeping kids satiated since it’s loaded with protein, and an added bonus – calcium. String cheese is often the most popular among small children, since they can either bite into it or peel it off piece by piece, which helps keep them entertained. It’s available in a variety of flavors, from cheddar to mozzarella, so there’s something for every little one. Cheese also pairs well with sliced apples, grapes or crackers.

Hydration on the highway

It can be tempting to skip the beverages when you’re on long trips to avoid bathroom breaks, but staying hydrated is key to staying healthy and happy. Pack juice boxes or small bottles of water for car trips – the small size is perfect for your little one, but it also helps to keep track of how much everyone is drinking. For plane travel, pack empty reusable water bottles and fill them up at a water fountain or restaurant once you’re through security.

National Infant Immunization Week: a reminder of the importance of vaccination for children

4/17/2013

(BPT) - Immunizations have had an enormous impact in helping to improve the health of children in the United States, according the US Centers for Disease Control and Prevention (CDC). While vaccination has helped to reduce many childhood diseases, some of these diseases still exist and could reappear if vaccination coverage wanes.

National Infant Immunization Week (NIIW), held this year April 20-27, serves as a great reminder to parents and caregivers that vaccines can help protect children from 14 childhood diseases by age two. NIIW is an annual observance supported by the CDC to highlight the importance of vaccination in helping to protect infants from certain diseases and to celebrate the achievements of immunization programs in helping to promote healthy communities.

“Incidence of many serious childhood infections has greatly declined because of the widespread use of childhood vaccinations,“ said Dr. Patricia Samuelson, a family physician based in Sacramento. “However, if vaccination rates drop, disease rates could rise again, so it’s important that we are diligent in vaccinating to help protect children.”

Parents should know that it's recommended to vaccinate their children at certain ages and with the appropriate number of doses. Maintaining the schedule of a child’s well visits helps ensure children get the vaccines they need, at the right times.

NIIW can also be a reminder that vaccines are recommended not only for children, but for people across a lifetime. While parents are naturally concerned about the health and safety of their children, it is important to remember that vaccination is important in helping to maintain health and wellness for people of all ages. In fact, the CDC has recommended immunization schedules for children and adolescents, as well as adults.

Dr. Samuelson recommends talking to a health care professional or visiting sponsor.WebMD.com/VACCINES to learn more about what vaccines are recommended for people of all ages. The website provides information developed by Merck on WebMD about the history of vaccines and how they are developed, approved and manufactured. It also offers a resource that can be used when talking to your health care professional.

“By staying informed and learning about recommended vaccines, people can learn how to help protect themselves and their loved ones from certain infectious diseases.”

NIIW is also part of a global effort to raise awareness about vaccinations, celebrated as part of the World Immunization Week, April 21-28, an initiative of the World Health Organization (WHO). To learn more, visit www.cdc.gov/vaccines.

This information is provided by Merck.

Don't let spring cleaning weigh you down: Here's how to spring forward

3/22/2013

(BPT) - Spring is the time to shed your winter layers, dust off the cobwebs, open the windows and embrace the beginning of a new season. Aside from spending more time outdoors, the sunshine and warm weather often energize us to do the things we put off during the cold winter months, such as cleaning and organizing.

Spring cleaning doesn’t need to be a daunting task. The key is to take small steps and designate time to complete them – don’t try to do it all in one fell swoop. Linda Rothschild, organizational expert working with Bank of America, provides tips for conquering spring cleaning:

* Reorganize – It’s easy to get caught up in cleaning all the nooks and crannies of your house, but, it’s equally important to tackle organizing! Whether it’s arranging your DVDs in alphabetical order or digitizing that box of photos that’s been sitting in the attic, a little rearranging can make a big difference! Your belongings are meant to be enjoyed, not collect dust!

* De-clutter – Smartphones and computers help us be productive, efficient and stay on top of hectic schedules. Download an organizational app to manage your to-dos or a maintenance app to dump junk files and defragment your drives. Cleaning up your computer desktop and archiving emails will allow you to find things with ease. Having an organized device will allow you to take full advantage of these great tools!

* Go Digital – Keeping finances organized throughout the year will make doing taxes more bearable. Scan documents onto your computer to save space and avoid overwhelming amounts of paper. With Bank of America’s Mobile Check Deposit, paper checks won’t clutter your desk. Instead, you can deposit your tax refund using the camera on your mobile phone or tablet.

* Repurpose – Don’t blow your budget on pretty boxes and labels. Shoeboxes make great storage containers for miscellaneous items such as TV remotes, cords, letters and cards, and other items. You can disguise the shoebox with wrapping paper or ribbon. Think about what other items in your home can be used for alternative purposes and save a few dollars by getting crafty.

* Donate – Closets can very easily become packed to the brim with items you don’t wear or even know you have! Take everything out of your closet and go through it with a critical eye – if you haven’t worn something in the past year, it’s time to get rid of it. Donating clothing to organizations such as Goodwill isn’t only a noble act; it’s a tax deduction as well!

Start with something easy

To get motivated to clean out the gutters or dust the baseboards, start with conquering something simple. Once you experience how great it feels, you’ll be more apt to knock out spring cleaning tasks. A great place to start is organizing your finances.

There are many easy ways to keep on top of your finances. Bank of America’s Mobile App allows you to check recent transactions, monitor your balance and transfer money between your accounts instantaneously, all with the click of a button.

Tools such as BankAmeriDeals allow you to keep tabs on cash-back deals. Simply choose the cash back deals you want and shop as you normally would with your Bank of America debit or credit card. It’s about time you earn some cash back for all those spring cleaning supplies!

Want to de-clutter your desk by getting rid of all the sticky notes and reminders? With Email and Mobile transfers, there’s no need to keep up with I.O.U.s. You can transfer money to a family member or friend, using only their mobile phone number or email address.

Follow these tips to conquer spring cleaning!

For more information, visit www.bankofamerica.com.

Tips for parents to protect kids from cyber bullying

4/22/2013

(BPT) - Bullying has been present in schools since society started educating children in groups. In the old days, the bully’s weapons of intimidation might have been simply stealing another child’s lunch money, or shoving a victim down on the playground. Modern bullying is a high-tech type of antagonism – one that can reach a dangerous level.

Cyber bullying is the use of technology and information by a minor to torment, threaten, harass, embarrass and otherwise humiliate another child. The Internet, social networking sites, cell phones and other digital and interactive technologies are used to take the bully's message to a greater audience than ever before, giving them more power to leave their victims humiliated on a global scale.

"In many ways, it is much easier to bully online than in person," says Dr. Mirjam Quinn, assistant professor of clinical psychology at Argosy University, Chicago. "Bullies can reach a large audience online. There is less, if any, adult supervision governing online behavior and the Internet provides a - sometimes false - sense of anonymity that may lead individuals to behave more aggressively than they would in real life. It is also easier to dehumanize a victim online; since the bully doesn't see the victim's immediate emotional reaction, it’s easier to ignore the emotional impact."

"Victims who experience cyber bullying reveal that they were afraid or embarrassed to go to school,” says Greg Craddock, an academic department director at The Art Institute of Indianapolis. “In addition, research has revealed a link between cyber bullying and low self-esteem, family problems, academic problems, school violence and delinquent behavior. Cyber-bullied youth also report having suicidal thoughts, and there have been a number of examples in the United States where youth who were victimized ended up taking their own lives."

How do your protect your kids? Set appropriate boundaries and monitor their activity.

"The Internet really isn't as anonymous as it seems - it is very much real life," says Quinn. "Your parenting rules in real life can and should very much inform the decisions you make about parenting rules regarding cell phone and Internet use."

"It is important that you have access to the technology your child uses the most," says Craddock. “If your child has a cell phone, you should communicate that you can and will monitor the text messages that are received and sent.”

"It's not a matter of privacy invasion, but of being a parent active in the life of your child," Craddock adds. "Parents should look at and set privacy settings on the sites their children are using. They should also have a list of user accounts that a child has created on the Web, along with the passwords."

Both Craddock and Quinn encourage parents to talk to their kids about appropriate behavior online. Teach them to never post something on the Internet or send a text message that they wouldn't say to a parent or family member.

"Once you send a message or an image out into the world via the Internet or text message, you have no control over where it goes and who will receive it," says Craddock. "Assume that anything posted can, and often will, be made public. If you don't post anything disrespectful, irresponsible or vulgar, then you don't have to worry about who is viewing it."

“Most schools have policies about bullying and a growing number are necessarily instituting them specific to cyber bullying. It is important for parents to review these policies with their children so that both understand what cyber bullying is, what can and should be done about it at the school level and what the consequences are for those who commit it,” says Craddock.

"If bullying ever crosses the line into intimidation or sexual harassment, or affects your child's ability to feel safe when she is around the bully, then the other child's parents, the school, community leaders and (depending on the severity of the situation) the police should be contacted immediately,” says Quinn. “Your child may initially become angry with you for 'overreacting,' but you are doing the right thing by showing him that you will take care of him and keep him safe no matter what."

Impromptu party planning: How to create great gatherings in 30 minutes or less

4/30/2013

(BPT) - Parents have never been more crunched for time. Balancing work demands with parental duties is complex – 56 percent of working moms and 50 percent of working dads say they find it very or somewhat difficult to balance these responsibilities, according to a 2013 report about modern parenthood from the Pew Research Center. But just because you’re time strapped doesn’t mean you need to stress when it comes time to host after-school activities or weekend gatherings with friends and family. With a few key strategies, even impromptu parties are a snap to pull together.

Did your teen just call to tell you he’s having the baseball team over for an Xbox live tournament tonight? Has a pop-up neighborhood party suddenly happened at your house? Did you forget about the Girl Scout meeting after school today? Whatever the reason, embrace spontaneous gatherings and go from zero to party in 30 minutes or less with these ideas:

Astounding activities

Great parties make everyone feel included, no matter how young or old. For spur-of-the-moment parties, gather your favorite board games and a few decks of cards to spread around on various tables. For outdoor gatherings, nothing beats classic lawn games like Frisbee, bocce, ladder ball or horseshoes. Groups are sure to gather to indulge in the fun, and lively conversation will inevitably follow.

To appeal to younger kids, create a makeshift theater stage with a blanket or shower curtain, and pile up costumes, hats and props. Even wallflowers are sure to bloom during this fun activity that inspires make-believe.

For teenagers, video games are ideal – just make sure your system, game options and high-speed Internet are ready for intensive group play and there are plenty of snacks on hand. Add some comfy pillows and throws so everyone can spread out and enjoy the friendly competition. Ask friends and neighbors to bring over their games too for even more variety.

Fantastic food

Time-crunched parents don’t have to worry about fancy food when parties suddenly pop up; guests don’t expect an elaborate meal. Take a no-nonsense approach by serving flavors everyone will love. Frozen appetizers you can pop in the oven and serve beside fresh seasonal items are ideal.

Bite-size foods are best for easy snacking. Bake some Farm Rich Mozzarella Sticks, which are made with 100 percent real mozzarella and lightly seasoned. Kids and adults alike will devour these snacks with a crispy coating and warm cheesy center. Add some zesty Farm Rich Jalapeno Peppers and everyone’s taste buds will be dancing. These snacks, available at Walmart and other grocery stores, pair well with fresh seasonal fare, so set out fresh grapes or strawberries, juicy sliced melon or chopped veggies with dip – whatever you have on hand or can get quickly at the local market – and you’ll have a spread that will disappear almost instantly.

Set the scene

There’s no need to deep clean, but spending a few minutes to tidy up creates a welcoming environment for guests. Focus your efforts on areas where people will gather – like the kitchen, patio or living room. Don’t forget to stock toiletries in the bathrooms, too.

If you have time, decorate for your last-minute shindig with simple yet clever decor. Hosting a video game gathering? Make a banner such as “Nelson’s Awesome Arcade” and hang above the TV. Have memorable photos of your guests? Run a ribbon and attach photos side-by-side with clothespins so everyone can enjoy the fun imagery. Want to add a summer vibe to your party? Skip the florist and cut some fresh buds from your backyard. If you’re stuck, a quick visit to Pinterest is sure to inspire.

When really strapped for time, skip decor and focus on the music – play songs everyone will enjoy and that reflect the theme of the party. Upbeat songs that embrace the warm weather always set the right mood. From the Beach Boys to the most current chart-toppers, some toe-tapping tunes will help guests get in the party groove.

With these tips and tricks, you’ll throw a party or get together that’ll make everybody happy. You’ll stress less and no one will know you put the whole thing together in minutes.

Three ways to make your backyard safe for your kids and pets

4/23/2013

(BPT) - The sun is shining, the air smells of freshly cut grass and the kids are out of school. Long, lazy summers are a staple of any childhood, and getting outside for exercise and fresh air is healthy for both children and pets alike. By taking some simple safety measures in your backyard, you can also enjoy a relaxing, stress-free summer.

Fence your yard

A fence offers a sectioned-off area for your children and pets to play without you having to worry about them running into the street. A fence can also offer privacy, which adds a degree of safety. It’s important to get a quality fence that won’t easily rot or fall into a state of disrepair or it can become a liability instead of an asset.

If you’re worried about the cost of a professionally installed fence, there are other options. “We believe anyone with some patience and time can save money installing their own fence to keep kids safe this summer,” says Denise Esser of WamBam Fence, a company that manufactures do-it-yourself vinyl fencing. “Vinyl is a great material from a safety standpoint because it doesn’t cause splinters or deteriorate. A good quality vinyl fence is also strong enough to withstand children’s activities, such as balls bouncing off the panels.”

Check for ground holes and tree roots

Weather, bugs or rodents can cause divots or holes in your yard that are hard to detect when they're hiding in lush grass. These are injuries waiting to happen, as a running child can break a bone or twist an ankle. Do a walk-around inyour backyard to see if there are any holes that need filling, or if tree roots or other natural debris can cause a tripping hazard.

An easy way to determine this is to cut the lawn to a shorter level than you would otherwise, keeping a careful eye on the yard as you mow. This will enable you to see holes and other potential pitfalls more easily as they won’t be lurking under the grass.

Keep sensitive items out of reach

You may be in a rush when mowing the lawn, but it’s very important to ensure that you put all equipment away when finished. Lawn mowers and weed whackers can be dangerous if left attended. Not only are they easy to trip over or crash into, but they often have sharp parts and contain gasoline, two things that can cause unnecessary accidents.

Lawn fertilizer and other pesticides might keep your plants and grass looking luscious, but they are poisonous when ingested. Some fertilizers are pretty in color and crystalized, making it tempting for young kids to try a taste. Always put fertilizer and pesticides high up and out of reach.

Summer is the time to relax and enjoy the sun, and by following these simply safety tips, you can be assured of a safe, peaceful season. By fencing in your yard, ensuring that there are no holes to cause broken or twisted ankles, and putting potentially dangerous items away and out of reach, you and your pets and children will have a more pleasant time enjoying the great outdoors.

Lou Gehrig's Disease stalks military veterans

4/23/2013

(BPT) - Many U.S. military veterans like retired Air Force Technical Sergeant David Masters of Omaha, Neb. have bravely fought for their country only to return home to wage another battle against Lou Gehrig’s Disease. No one knows why, but veterans are twice as likely to develop this fatal disease, clinically known as amyotrophic lateral sclerosis (ALS).

Lou Gehrig’s Disease cut Masters’ military career short when he was just 32. Following a deployment in Saudi Arabia, Masters first began experiencing unusual muscle weakness in his right arm during a deployment in Kuwait.

“This was devastating for someone who was an amateur body builder, handpicked physical training leader, and overall health and fitness enthusiast,” recalls Masters.

There is no known cure and just one drug approved by the U.S. Food and Drug Administration (FDA), which only modestly extends survival.

“ALS is a frightening and fatal disease that slowly paralyzes the body, robbing it of its ability to walk, speak, swallow and breathe, while the mind remains sharp and alert,” says Jane H. Gilbert, president and CEO of The ALS Association - the only national nonprofit organization dedicated to fighting Lou Gehrig’s disease on every front.

“Above all, veterans need to know that they do not have to battle ALS alone,” says Gilbert. “While we are working tirelessly to find a cure and answers for our men and women in uniform, the fact remains that veterans and their families too often are not aware of the abundance of aid and support that is available to them.”

The U.S. Department of Veterans Affairs recognizes ALS as a service-connected disease and provides financial and medical support to those with at least 90 continuous days of military service. Veterans with questions concerning their service benefits are encouraged to visit www.alsa.org/als-care/veterans/faqs-new-veterans.html.

Services sometimes vary, but most chapters of The ALS Association loan a range of medical equipment to people with ALS, including lift devices, wheelchairs and digital communication tools. In addition, ALS Association chapters lead support groups and offer respite programs for family caregivers. A listing of local chapters can be found at www.alsa.org/community/chapters/.

Masters now has three young children and relies more and more on his wife for his daily care. He struggles to cope with his loss of freedom and knowing that one day he will no longer be able to hug his children or to speak the words, “I love you” to his family.

Like so many other veterans living with ALS, Masters is holding onto hope for a cure and to one day know why he and his fellow service members of all generations must bear this health burden. Regardless of the uniform they wear and whether they served during a time of war or peace, simply being a veteran is a known risk factor for developing ALS.

“One day, the promise of research will prevail and ALS will no longer be among the list of sacrifices our military veterans will be forced to face,” says Gilbert. “Until then, we are working to do everything possible to ease the burden of ALS for America’s military families.”

Digital apps make learning fun for young children

5/8/2013

Today’s children grow up in a vastly different technological world than that of their parents or grandparents. While you may fondly recall a favorite storybook stored on your nightstand, many kids today are reading using their parent’s smartphone or tablet. Digital devices are becoming a regular part of a child’s life, and parents should understand what this means for how kids learn and grow.

How are these new devices different from traditional electronics? Unlike passively watching TV or a DVD, reading a book or playing a game on an electronic device is interactive, meaning children can actively explore a story or game through touch screens or voice commands. Interacting through technology can be an enjoyable way for kids to obtain new skills.

Most professional organizations, such as the American Academy of Pediatrics, recommend limiting screen time for children 2 years of age or younger. But, when used appropriately, technology and media can support both learning and relationships, according to a joint statement from the National Association for the Education of Young Children and Fred Rogers Center for Early Learning and Children’s Media.

So how does today’s technology help children? Learning math and literacy skills can be fun when embedded into game play, and because many games require creative thinking and problem solving, children learn on multiple levels, and therefore obtain a broader knowledge base. Also, because children can often work together on games, they learn important social and teamwork skills too. It’s always important to keep in mind that learning through digital devices is not meant to replace traditional learning methods – but rather complement them.

Today’s technology also provides a fantastic opportunity for classic authors to participate in the digital space too, reaching a whole new generation of children. For example, the beloved characters and solid values of love, compassion, empathy, caring and sharing emphasized in Mercer Mayer’s Little Critter book series are now delighting parents and kids alike with the launch of a new interactive reading adventure app, “The Trip – Little Critter Reading Adventure.” A 2013 National Parenting Center Seal of Approval recipient, this fun app features the same practical, family-based situations typically presented in Mayer’s books, and now kids can engage with the characters and the story in ways they could not have been done before. In this action-packed car trip, kids can help Little Critter and his family find the right road, fix the tire when it goes flat, and of course play fun games along the way!

Recommended for children ages 3 to 7, this new app offers a balance of fun games and basic preschool learning activities including an inventory-collection game that fosters problem-solving skills; alphabet flash cards hidden on every screen that teach new words; and six educational games reward children with collectible gems that unlock a fun game – all of which makes learning that much more fun! "The Trip – Little Critter Reading Adventure" is now available through iTunes, Google Play, Barnes & Noble and Amazon.

Award-winning author Richard Scarry’s characters, first introduced almost 50 years ago – also come to life in the digital world in a new app coming soon, “Richard Scarry’s Busy Kids: One, Two Three, Huckle Go!” Children ages 3 to 7 will be able to help Huckle Cat and his friends navigate the maze-like course through the busy streets during Busytown’s big and busy race. Much like the books, this app celebrates the joy and humor of learning in everyday life, and includes positive messages for young children.

Parents today have more options than ever when it comes to helping their children learn and grow. Age-appropriate apps based on classic and new books alike are a convenient way to help kids learn new skills and have fun at the same time. Digital devices are here to stay and interactive learning has many benefits – so find a few special apps for your kids and let the learning commence. For more information visit Silver Dolphin Books.

Father's Day gift ideas to make Dad feel like a king

5/1/2013

(BPT) - You need to come up with the perfect Father’s Day gift this year. But combing through the vast array of items on his wish list can be a challenge. Here are some great ideas to make your selection easier - and make any dad feel like the king he truly is.

For on-the-go dad

Whether he’s hiking in the mountains, hurrying out to the gym or heading home after a long, hard day at the office, an on-the-go dad needs to stay hydrated. Quench his thirst for action with a 24-ounce capacity Stainless King Direct Drink bottle that keeps liquids hot for 18 hours or cold for 24 hours.

Like your dad, this bottle is built for endurance. Constructed with an unbreakable stainless steel interior and exterior, this bottle features Thermos(R) vacuum insulation technology for maximum temperature retention. The handsome exterior stays cool to the touch with hot liquids and is sweat-proof with cold. Easy to use anywhere, the bottle’s locking, leak-proof lid opens with one hand at the push of a button. A specially designed lid also helps control the flow of warm liquids, making it perfect for sipping hot coffee on the go.

For the angling dad

For the dad who loves to fish, give him Rapala’s latest must-have new lure, the Scatter Rap.

In true Rapala style, the patent-pending Scatter Rap Series flaunts classic balsa body shapes and a new Scatter Lip, which creates an industry-first “evasive action.”

The Scatter Rap brings game-changing action to the water produced by an innovative and uniquely designed curved lip, which perfectly mimics a spooked baitfish fleeing attack, triggering bite after bite.

Ideal for bass and other multispecies gamefish, the Scatter Rap series can be cast or trolled, is available in 14-to-16 classic and new color patterns and comes in four favorite Rapala silhouettes that dad is sure to know, including the Scatter Rap Crank, Scatter Rap Minnow, Scatter Rap Shad and Scatter Rap CountDown.

For the hard-working dad

For the dad who spends most of his week on the move, help him relax his feet with the gift of a luxurious pair of soft and comfy Mens Cloud Moc slippers from Tempur-Pedic. Dual-layer TEMPUR(TM) and an extra-soft TEMPUR-ES material insole will make him feel like he’s walking on a cloud, whether he’s indoors or out.

Looking to help Dad get a better night’s sleep this year? The ultimate gift for Dad (that Mom can reap the benefits from too) can be found in a new TEMPUR-Cloud Supreme mattress. It provides the perfect mix of extra-soft, deep-cushioned comfort and responsive, body-conforming support to help him wake up feeling refreshed and ready to handle a busy family schedule. It’s supported by a TEMPUR-Ergo Premier Adjustable Base with Apple and Android app-enabled controls, so Dad can feed his techie side while experimenting with a virtually unlimited number of ergonomic rest positions, plus a rejuvenating massage feature.

For the snack-centered dad

After a long day at work, a weekend dealing with household projects, or an afternoon fishing, Dad is bound to work up an epic appetite. When his stomach starts to growl, don’t just sit idly by. Give Dad the gift of a delicious, high-protein snack that will satisfy his hunger - great-tasting Jack Link’s Jerky.

The man of the house will love Jack Link’s latest offering - new Jack Link’s BBQ Pork Jerky, a snack he can take anywhere to enjoy the distinct, smoky flavors of authentic American barbecue. Made with premium pork, seasoned with a unique blend of spices and smoked to perfection, this savory snack is a “can’t-miss” Father’s Day gift. And, with more than a dozen tasty flavors available nationwide, Jack Link’s offers a variety for every dad’s unique taste buds. Some tried-and-true classics include: Jack Link’s Original, Peppered and Teriyaki Beef Jerky.

For more information on these products, visit www.thermos.com, www.rapala.com, www.tempurpedic.com or www.jacklinks.com.

How to support your friend in a split

5/2/2013

(BPT) - When a marriage ends in divorce, it’s not just the couple who is involved. Friends and family members are also part of the process and often play many different parts – from objective confidant to reliable “vent-ee.” If you’re suddenly or unexpectedly thrown into this role, what help are you prepared to offer? Support can make a critical difference to your friend, but unfortunately, doesn’t come with how-to manual.

As the supporter of a friend going through a divorce, you may feel like you need a support group of your own. The blog, “Support in a Split,” found at www.supportinasplit.com, gives the average person basic tools to help their friends make it through divorce. Sponsored by ARAG, a global provider of legal insurance products and services, the blog provides lists, stories and real-life strategies to help people help their friends or family navigate divorce.

Whether your friends have just announced they’re going through some trials in their marriage or their divorce has been finalized after lengthy legal proceedings, you’re going to be there with them on every stage of the journey. If the journey ventures into topics you aren’t fully versed in, visit Support in a Split for background information on topics ranging from exercise routines, redecorating, entering the dating world, co-parenting and seeking professional therapists and attorneys.

For example, if your friend expresses concern about his or her marriage, encourage professional help to resolve differences. Or advise your friend to find an attorney if a resolution isn’t possible. Additionally, recommend your friend enroll in a legal plan to save money on legal fees in situations like divorce, creating a will or settling a dispute with a contractor. Many leading employers offer legal insurance and services as part of their benefits package. Recent ARAG research shows that members of a legal plan know where to turn when faced with a legal issue so therefore they are much less stressed than those without a legal plan.

When the divorce is finalized, your friendship will be needed to help your newly single friend get back on his or her feet. Sometimes divorce is viewed as liberating, while other times it can cause depression. Providing a supporting role can range from just listening and being around for the divorcee, to encouraging your friend to seek professional help and treatment for depression.

While helping a friend or loved one through a divorce is not easy, having knowledge and showing compassion can strengthen your bond with those affected. To better understand what you can do to support a friend going through a breakup, visit www.supportinasplit.com. And be prepared – situations change due to life-changing events like divorce, but that doesn’t necessarily mean your relationship has to change.

TV tip-overs a hazard for young children

1/25/2013

(BPT) - Many homes have new TVs decorating the living room, bedroom, den and even the kitchen. These TVs often feature the latest wide, flat screens, which give viewers great definition and clarity. But while they provide a beautiful viewing experience, flat screen TVs are top-heavy on a narrow base, and they can easily be pulled off an entertainment center or other piece of furniture.

Many families might be surprised to know that every three weeks a child dies from a television tipping over. And nearly 13,000 more children are injured in the U.S. each year. Alarmingly, over the last 10 years there has been a 31 percent increase in TV tip-over-related injuries.

A recent report by Safe Kids Worldwide and SANUS revealed that young children are at greatest risk of TV tip-overs. The study, A Report to the Nation on Home Safety: The Dangers of TV Tip-Overs, includes data from the Consumer Product Safety Commission (CPSC) and new findings from Safe Kids Worldwide primary research.

The research shows that seven out of 10 children injured by TV tip-overs are 5 years old or younger. Sadly, this age group also accounts for nine out of 10 serious injuries requiring hospitalization.

“Every 45 minutes, or less than the length of a Sesame Street episode, a child visits the emergency room because of a TV tipping over,” says Kate Carr, president and CEO of Safe Kids Worldwide. “Dramas and tragedies should be on TV, not caused by them.”

It’s not just the newer flat screens that may cause a trip to the emergency room. Large and heavy old-style cathode ray tube (CRT) TVs placed on dressers or high furniture can also tip over if children climb the drawers to reach a remote control, a piece of candy, a video game, or anything else that attracts their attention.

According to the research, three out of four parents reported they don’t secure their TV to the wall, either because they are not aware that securing a TV is an important safety measure, or they have concerns about damaging the wall or installing the TV incorrectly.

What can parents do to ensure that their children stay safe?

* Check your TV. Assess the stability of the TVs in your home. Remember, a curious, determined child can topple a TV. Children playing with friends or pets could knock a TV over, while other kids might be tempted to climb up to reach items placed on or near a TV, such as remote controls or candy.

* Secure your TV. Securing your TV to the wall is a safe solution. Much like child-proofing with a toddler gate or electrical socket cover, TV mounts and furniture straps are necessary precautions for keeping your family safe.

“You wouldn’t think to bring a baby home from the hospital without a car seat, or have your child ride a bike without a helmet,” says Carr. “Mounting your TV will protect your TV, and most important, your child.”

To learn more, visit www.safekids.org.

Medicine cabinet makeover tips for people with high blood pressure

2/6/2013

(BPT) - If you’re among the 68 million Americans who have high blood pressure, you may feel that taking your medicine, getting plenty of exercise and eating a healthy diet means you’re doing everything you can to manage your condition. But with cold season in full swing and many areas of the country recording record numbers of flu cases, it might be time for a medicine cabinet makeover as well – a total renovation in which you toss out any over-the-counter (OTC) medications that contain decongestants.

That’s because the same ingredients in decongestants that help relieve the nasal swelling associated with congestion also affect other blood vessels in the body, causing blood pressure and heart rate to rise – a potentially dangerous situation for those with high blood pressure. Unfortunately, just 10 percent of those with high blood pressure are aware they should avoid decongestants, and nearly half don’t know they should take a special OTC medicine when they have a cold or the flu, according to a survey by St. Joseph, makers of over-the-counter medications.

“The number of hypertensive people who don’t know to avoid decongestants is shocking,” says Bernie Kropfelder of St. Joseph Health Products, LLC. “Each year, 5 to 20 percent of Americans will catch the flu, so it’s important for people with high blood pressure to talk to their doctors or pharmacists about which OTC medicines to avoid.”

If you have high blood pressure, start your medicine cabinet makeover by replacing OTC medicines that contain decongestants with remedies that don’t, such as St. Joseph’s new line of cold and flu products. The brand’s products for fever and pain contain acetaminophen, which will not interfere with aspirin’s benefits if you’re on an aspirin regimen.

Next, remove from your medicine cabinet, pantry or refrigerator dietary supplements that are high in sodium, as high levels of salt are commonly known to increase blood pressure. For example, many protein supplements contain hundreds of milligrams of sodium per serving.

Likewise, avoid supplements that contain extracts of grapefruit, and talk to your doctor about whether you should also remove grapefruit and grapefruit juice from your diet. Research published in the Canadian Medical Association Journal points out that the number of medications that interact adversely with grapefruit is on the rise. There are now more than 85 drugs known to be affected by grapefruit, including calcium channel blockers that are used to treat high blood pressure, according to a CBC News report.

Once you’ve removed adverse products from your medicine cabinet, you’ll have plenty of room for additions that are good for your heart, your high blood pressure and your overall health, including:

* Fish oil – Supplements like fish oil that contain omega 3 fatty acids offer a host of health benefits, and are known to be good for your heart. People with high blood pressure are at increased risk of heart disease, so adding heart-healthy supplements to their diets may be beneficial.

* Beet juice – OK, while this one should probably go in your refrigerator, adding beet juice to your diet may help your blood pressure control. Researchers at the Baker IDI Heart and Diabetes Institute in Melbourne, Australia have found that within hours of drinking beet juice, study subjects had lowered systolic blood pressure by an average of four to five points, WebMD reports.

* Sesame and rice bran oil – WebMD also reports that a recent study showed taking 35 grams of a sesame/rice bran oil blend daily can help lower blood pressure.

Finally, add some relaxation time to your “mental medicine cabinet.” Stress can elevate blood pressure, so engaging in activities that help reduce stress can aid in your efforts to control your blood pressure. While it’s not always possible to avoid stressful situations, you can counter the effects of daily stress with activities like meditation, yoga, listening to relaxing music or even just spending time with a beloved pet.

Boomers turning 65 face complex healthcare choices

5/14/2013

(BPT) - Every day, about 10,000 baby boomers turn 65 and become eligible for Medicare. Not everyone will sign up, but it’s important to understand the importance of early choices when enrolling in Medicare for the first time.

You can enroll in Medicare three months before turning 65, the month you turn 65 or up to three months afterward.

“Turning 65 opens the door to Medicare eligibility, but it brings with it some complex choices,” says Paula Muschler, manager of the Allsup Medicare Advisor, a personalized Medicare plan selection service. “Choices seniors make at this time can impact their healthcare costs over the long term and their entire family.”

Muschler offers the following key steps for Medicare first-timers.

1. Take a look at your existing group health plan coverage and think about how it will coordinate with Medicare. Many people work past age 65. As a result, Medicare-eligible individuals who have health coverage through their employer or their spouse’s employer may be able to wait to enroll in Medicare Part B, which covers outpatient medical care. This is not true in every case, however. This option depends on other factors, such as the size of the employer and how soon you expect to retire after reaching 65. You may want to consider enrolling in Medicare Part A, which includes hospital coverage, even if you defer Part B.

2. Consider the options for first-time enrollment, keeping in mind your current health needs and financial resources. If you choose traditional Medicare, you have an average of 31 Medicare Part D prescription drug plans from which to choose. You can also choose from 10 standard Medigap policies for supplemental coverage, ranging from basic to comprehensive coverage. The price for these plans also can differ from one company to the next.

Adding to the complexity, Medigap plans are not required to accept you after your initial enrollment period. This is one reason first-time choices are crucial. Seniors evaluating Medicare Advantage plans over traditional Medicare also have an array of options - an average of 20 plans, depending on where you live. “We’ve been able to help Allsup customers find plans that cost less and match their specific healthcare needs,” Muschler says.

3. Follow Medicare enrollment rules to avoid costly mistakes. Penalties are in place for decisions related to Part B and Part D coverage. The late-enrollment penalty is 10 percent for each full 12-month period you could have been enrolled in Part B. Likewise, Part D imposes a penalty if you go for more than 63 days without coverage after enrolling in Part B.

“Your first-time Medicare plan choices also are more complicated if you have retirement dates, COBRA coverage or dependent coverage to consider,” Muschler says. “These are good reasons to contact a Medicare specialist, who can help answer the right questions and provide guidance to seniors so they make choices that match their situations.”

4. Understand how higher income and changes in your income affect Medicare costs. Higher-income beneficiaries pay higher premiums for Medicare Part B and prescription drug coverage. For Part B, the 2013 monthly premium is $104.90 for joint filers with income of $170,000 or below ($85,000 for single filers). However, the premium increases to between $146.90 and $335.70 for those with incomes above these thresholds. Likewise, higher-income beneficiaries can expect to pay from $11.60 to $66.40 more each month in prescription drug premiums.

The Social Security Administration uses IRS records when determining premiums. Social Security may reduce an individual’s income-related monthly premium with verification. “Social Security has specific requirements about how you can document changes in your income when you are requesting reduced Medicare premiums,” Muschler explains.

5. Review healthcare coverage for your spouse and dependents to determine how your choices may affect their coverage. If you are nearing Medicare eligibility, you can find yourself at a crossroads when it comes to providing healthcare for your entire family.

Some employers may continue to provide coverage to a worker’s family, or you may need to purchase COBRA coverage or private coverage for family members. “One early step is to talk with your benefits plan administrator to see what options you may have and then plan for your family,” Muschler says.

Seniors turning 65 have seven months during their initial enrollment period to make critical decisions. But you can begin evaluating your options earlier to be better prepared. For a free brochure on “Turning 65 and Medicare Enrollment” or for an evaluation of Medicare options, call an Allsup Medicare Advisor specialist at (866) 521-7655 or go to Medicare.Allsup.com.

Five things to do before sending your child to camp wearing hearing aids

5/6/2013

(BPT) - Summer is approaching and many parents will be sending their children off to camp. If your child wears hearing aids and is set to attend a summer camp for kids of all abilities, here are five things you can do to help your child get the most from his or her summer camp experience:

1. Visit your child’s hearing care professional. Many new digital hearing aids have features and accessories that can enhance your child’s summer camp experience. For example, Siemens Aquaris hearing aids are sweat-proof, waterproof, dirt-proof and shock-resistant. These hearing aids can be completely submerged and help children fully participate in sports and other basic camping activities. Be sure to ask if your child’s hearing aids are waterproof or only water-resistant.

2. Pack accessories and maintenance items. Review the following list of suggested items to bring along to camp with your child’s hearing care provider:

Must haves:

* A full supply of batteries or a hearing aid recharger

* A couple of sturdy hearing aid cases (in case one is lost)

* Extra tubing

* Dehumidifier (not needed for rechargeable hearing aids - the rechargers also dehumidify)

* Hearing aid cleaning kit

Optional:

* (If camp permits) Cellphone, in case of emergency

* Remote/streamer for synching with Bluetooth phones, game consoles and MP3 players, and/or FM and other wireless systems

* Portable alarm that awakens with vibration or light

3. Gather contact information. Provide the camp with a list of phone numbers to reach you at home, work or while traveling, as well as backup names and numbers for emergency contacts in case you are unavailable. Be sure to notify your alternate contacts that they may be contacted by the camp. Don’t forget to include your child’s hearing care professional’s information.

4. Meet with the staff before camp begins. It’s a good idea to meet with the director and/or staff to discuss your child’s needs. Present your visit as a positive opportunity to have a dialogue, during which you’ll be happy to answer any questions or address concerns the camp staff may have. Your goals are to learn if the staff has experience working with campers wearing hearing aids and to share the information necessary to make the experience positive for all involved. Be sure to discuss the following:

* If your child’s counselors haven’t worked with children who wear hearing aids, explain all the accessories your child is bringing, and how and when they should be used.

* Tell the counselor the best ways to communicate with your child, particularly when giving directions during activities or other situations where safety is a concern. The counselor can wear a special microphone (for example, Siemens VoiceLink accessory) that connects wirelessly with a child’s hearing aids to make communication easy and natural.

* Find out what the camp’s policies are toward educating campers about diverse abilities and handling disputes between campers. You should be able to tell your child exactly how to communicate to his or her counselor if there is a problem, and receive clear assurance that teasing or other harassment will not be tolerated.

* Provide a how-to primer. Though you should personally demonstrate to camp staff how to handle your child’s hearing aids, you can also create a notebook with pictures or a short video tutorial. You and your child can have fun together creating this personalized hearing aid care primer to share with the counselors who are responsible for your child, including how to:

- Properly insert and remove hearing aids

- Change batteries and/or recharge them

- Adjust programs

- Keep them clean and functioning

Remember to give clear instructions as to whether the hearing aids can be worn in the rain, while swimming or participating in other water activities, and what to do to protect them if they cannot.

With good preparation, the summer camp experience should be as safe and enjoyable for kids with hearing aids as it is for any child.

Expecting dinner guests? Tips for managing different diets

3/26/2013

(BPT) - With food allergies and gluten intolerance on the rise, it takes more than seating flexibility and a vegetarian option to host a successful dinner party these days. Hosts today need to be able to accommodate a variety of dietary needs, from providing kosher foods to gluten and nut-free items.

“For many people, special diets are not just a lifestyle choice, they’re a necessity,” says Roger Clemens, PhD, a spokesperson at the Institute of Food Technologists (IFT). “Nut and food allergies can be very serious health concerns. Fortunately, food science helps make it easier to serve meals that cater to your guests’ special dietary needs.”

Here are some common special diet requests and how you can serve your guests delicious, safe meals:

Gluten-free feasting

Gluten is a naturally occurring protein found in grains such as wheat, barley, rye and oats. It makes dough stronger and gives baked goods that spongy quality Americans tend to love. People with certain health conditions, such as celiac disease or gluten sensitivity, have trouble digesting gluten and may experience diarrhea, chronic fatigue and headaches if gluten is present in their diets.

Food science has helped improve the variety and quality of gluten-free baked goods now available. You can find breads, cakes, muffins, crackers, pasta and even pizza crust made without gluten. Many options are available in your local grocery store, specialty food stores or health food stores. You’ll need to read labels to determine what’s actually gluten-free and safe to serve your guests who adhere to gluten-free diets.

Another option is to use products that are based on grains or tubers that don’t contain gluten, such as rice cakes, corn tortillas and taco shells, potatoes and quinoa. Or, an even healthier starch option is to go with vegetables such as potatoes, beans and cauliflower, which provide additional nutrients, flavor and variety to a meal without adding gluten.

Keeping kosher

While kosher foods draw from Jewish dietary laws and traditions, approximately 80 percent of people who consume kosher foods are not observing them. Market research firm Mintel says that between 2003 and 2008, kosher food sales rose 64 percent to a record $12.5 billion.

Many people choose kosher foods because they appreciate the strict preparation and inspection guidelines as well as the clarity of food ingredients. For example, in kosher-certified foods, meat and dairy are never prepared or packaged together. For people managing food allergies, or who prefer vegan or vegetarian diets, kosher foods can make it easier to know exactly what they’re consuming.

Fortunately, kosher foods are easy to find – in fact, about 40 percent of the packaged goods available in the supermarket are kosher-certified, according to IFT spokesperson Joe Regenstein, PhD. Ensuring you serve your guests kosher foods can be as easy as reading labels.

Food Allergies

Food allergies, which can be genetic, and affect about 15 percent of the U.S. population, according to Food Allergy Research & Education, Inc., while food intolerances are much more common. Though most people will experience an unpleasant reaction to a certain type of food at some point in their lives, the only way to diagnose a true food allergy is by visiting a medical doctor. While most food allergies cause relatively mild and minor symptoms, such as rashes or gastrointestinal discomfort, some allergies are more severe and can be life-threatening.

While people with food allergies generally should completely avoid their trigger foods, people with food intolerance or food sensitivity might be able to be less strict about their diets. Food reactions in intolerant or sensitive people are usually less severe than allergic reactions, and some people with sensitivity may be able to occasionally indulge in dishes that include their trigger foods.

Food science has made it easier to accommodate special dietary needs, and with some precautions, preparation – and plenty of label-reading – it’s possible for every host to please and protect guests with dietary differences.

Easy Asian recipes for everyday and entertaining

1/31/2013

(BPT) - Preparing a meal that will please everyone at the table is something that every host strives for. The vibrant flavors of Asian food are surprisingly easy to create at home – particularly when you have the right ingredients – and so versatile that they can be dressed up or down to fit any occasion.

“There’s a perception that making Asian food is challenging,” says Asian cuisine expert Corinne Trang. “But really, simple family cooking is at the heart of so many Asian cuisines.”

Stocking your pantry and refrigerator with go-to items like those from Simply Asia or Thai Kitchen makes preparing a restaurant-quality Asian meal as easy as opening the door and grabbing what you need – so when you need a quick dinner solution, a memorable meal is easily within reach. Use these tips from Trang to incorporate more Asian meals into your cooking repertoire.

For everyday

Great food is essential, even for more casual occasions. If a family member drops by, or even if you’re just looking for a memorable evening meal with the kids, there are plenty of Asian recipes that can be ready in a snap.

* Weeknight meals: If you’re juggling all the demands of the week, simply getting a meal on the table can feel like a challenge. But opting for a quick, simple recipe that dials up the flavor without taking too much time – like Sweet Ginger Garlic Stir-Fry – will make everyone happy without interrupting your schedule.

* Valentine’s Day: Avoid the headache of trying to make reservations for an overpriced set menu and make a romantic, gourmet meal right at home. A delicious dish like Pad Thai for two can be made as spicy or mild as you choose, and includes rich and complex flavors sure to please every palate.

For entertaining

There are also plenty of occasions year round that are great opportunities for inviting friends, family or coworkers to your home – but you can just as easily put together an impromptu party whenever the mood strikes.

“Asian recipes are easily adaptable for entertaining,” Trang points out. “They’re an ideal solution because they’re incredibly easy to make but will still wow your guests.” Consider these ideas:

* Chinese New Year: If you love to entertain and are looking for a reason to extend the holiday celebration season, consider throwing a Chinese New Year party. It’s a great way to enjoy delicious food, fun traditions and get the new year off to an exciting start. Chicken Satay Skewers – rich with complex flavors, thanks to a coconut milk-based marinade – with peanut dipping sauce are a delicious, fun-to-eat finger food that are ideal for mingling at a party.

* Game day: Whether it’s regular season, playoffs or the big championship, watching sports just wouldn’t be the same without some great eats. Trang recommends spicy Kung Pao Wings – which feature savory Chinese flavors – as a fun twist on the usual game-day wings.

Try these recipes for your next event or everyday dish, and find additional meal ideas at www.thaikitchen.com.

Sweet Ginger Garlic Stir-Fry

Prep Time: 15 minutes

Cook Time: 10 minutes

1 cup water

2 tablespoons Simply Asia Sweet Ginger & Garlic Seasoning

2 tablespoons soy sauce

4 teaspoons cornstarch

2 tablespoons vegetable oil, divided

3 cups assorted cut-up vegetables – broccoli florets, sliced carrots, red pepper strips, snow peas

1 pound boneless skinless chicken breasts, cut into thin strips

Mix water, Simply Asia Sweet Ginger & Garlic Seasoning, soy sauce and cornstarch in small bowl until smooth. Set aside.

Heat one tablespoon of the oil in large nonstick skillet on medium-high heat. Add vegetables; stir fry 3 minutes. Remove from skillet. Heat remaining 1 tablespoon oil in skillet. Add chicken; stir fry 5 minutes or until cooked through. Return vegetables to skillet.

Stir sauce mixture. Add to skillet. Stirring constantly, bring to boil on medium heat. Boil 1 minute or until sauce is slightly thickened.

Makes 6 servings.

Chicken Satay with Peanut Satay Dipping Sauce

Prep Time: 15 minutes

Refrigerate: 1 hour

Cook Time: 6 minutes

1/2 cup Thai Kitchen Coconut Milk

2 tablespoons Thai Kitchen Premium Fish Sauce

2 tablespoons Thai Kitchen Red Curry Paste

2 teaspoons minced fresh lemon grass

1 pound boneless skinless chicken breasts, cut into 3/4-inch strips

Bamboo skewers

1/2 cup Thai Kitchen Peanut Satay Sauce

Mix coconut milk, fish sauce, curry paste and lemon grass in small bowl until well blended. Place chicken in large resealable plastic bag or glass dish. Add marinade; toss to coat well.

Refrigerate 1 hour or longer for extra flavor. Remove chicken from marinade. Discard any remaining marinade. Thread chicken strips onto skewers.

Broil or grill over medium-high heat 3 minutes per side or until chicken is cooked through. Serve with Peanut Satay Sauce for dipping.

Makes 8 appetizer servings.

Test Kitchen Tip: Soak bamboo skewers thoroughly in water for at least 30 minutes before threading with chicken. This prevents them from burning when on the grill.

Don't let these myths rain on your retirement party

2/1/2013

(BPT) - Do you dream of the day you can retire, but aren't sure how to get there? You're not alone. Many people find it easier to avoid reality when it comes to planning for retirement.

"That can lead to big mistakes in their retirement income planning," says Zachary Gipson, vice president of retirement and wealth planning at USAA.

Here's a look at five common myths that could derail your expectations for income when you retire.

Myth 1: You won't be around long enough to go through your money

The reality: Life expectancies are at record highs in the United States, so it's important to acknowledge that you or a family member may spend as many years in retirement as you did working. According to a 2010 report by the National Academy of Social Insurance, for a 65-year-old married couple, there's a 48 percent chance that one spouse will live to age 90.

To help stretch your money, consider incorporating immediate and deferred annuities into your planning. Created to provide guaranteed, lifelong income in retirement, they can also offer guaranteed growth while you're saving for it, Gipson explains.

A long retirement extends your exposure to one of financial planning's most subtle enemies: inflation. As you invest, it's important to seek a mix of assets that guard against the declining value of the dollar and that is in line with your risk tolerance and goals.

Myth 2: You should get out of stocks when you retire

The reality: Stocks can help provide the long-term growth you need to make your assets last longer since your retirement could span several decades.

You've probably heard you should reduce your investment risk as you age. But with traditional pensions being replaced by 401(k) plans, you're wholly responsible for making asset allocation decisions. As Gipson puts it, "Everyone now has to be a pension fund manager with their own money, and most people just aren't equipped to do that."

Gipson agrees with the notion of dampening portfolio risk at retirement, but that doesn't mean getting rid of stocks entirely. Rather, regularly reviewing, and if necessary, rebalancing your portfolio based on your risk tolerance can lock in gains from strong-performing asset classes and allow you to buy those that underperform at cheaper prices.

Myth 3: You can just keep working

The reality: Counting on being able to work as long as you want is dangerous, Gipson says. Employers are feeling pressure to cut costs, and with high unemployment, finding work is always a challenge. A disability also could force you to stop working prematurely.

Many people think they can simply work longer if they don't have enough money to retire. According to a recent survey by the Employee Benefit Research Institute, 74percent of workers plan to work at least part time during their retirement years, and Schaffer notes working in retirement has become a necessity for many.

Good planning doesn't rely on good fortune. Rather, your plan should both keep you from having to work the rest of your life and deal with the consequences of unexpected surprises that prevent you from earning a paycheck.

Myth 4: An inheritance will bail you out

The reality: You may be hoping for an inheritance as a potential retirement boost. But hope is not a strategy, and counting on an inheritance can create big problems if it doesn't come through.

Many people who expect to inherit money never do so, Gipson says. And even for those who do inherit money, it's often too little or comes too late to make a difference in their retirement planning, he adds. The safer thing to do is to treat an inheritance as an unexpected bonus rather than relying on it.

Myth 5: Your taxes will be lower in retirement.

The reality: Big government deficits make future tax increases much more likely. Also, taking money out of retirement accounts, such as traditional IRAs and 401(k)s, creates taxable income that can push you into higher tax brackets.

One suggestion Gipson offers is to consider converting part of your eligible retirement assets to a Roth IRA. By doing so, you'll pay taxes now, but you'll create a tax-free pool of money to tap in retirement. Diversifying with both Roth and traditional IRAs is a possible way to handle future tax uncertainty.

Play day: How time-pressed families can find more time for fun

4/18/2013

(BPT) - It waits for no one, flies by and can’t be bottled, but it’s the one thing everyone would like more of: time. In today’s busy, hectic society it’s harder for families to find time together for fun, yet spending quality time together is key to the emotional health of the family unit and of individual family members.

The average American spends nearly eight hours a weekday working and more than two hours on housework, according to the Bureau of Labor Statistics American Time Use Survey. Add in the hours needed for sleeping and eating, and finding time for fun can take a backseat to other considerations.

Here are some ideas for how you and your family can take back time from your busy day and spend it with each other:

* Improve chore efficiencies – Housework is a necessity, but you don’t have to allow it to take up a lot of time. Working as a team and sharing duties is one way to ensure cleaning gets done quickly. Another smart time-saving technique is to streamline housework with the right tools. For example, the BISSELL CleanView Vacuum with OnePass Technology helps you spend less time vacuuming and more time enjoying a clean house. Powerful suction and an innovative brush design help pick up dirt on the first pass, meaning you spend less time going over the same spot of carpet. Learn more at www.bissell.com.

* Ease off on the electronics – The average American watches 34 hours of TV per week, according to one Nielsen report. Use of mobile devices is also increasing, and many families may find they spend more time with some kind of screen than they do with each other during the day. Reducing your family’s screen time could open up hours to enjoy doing things together. Consider family-friendly policies when it comes to use of electronics, such as no mobile devices at the dinner table, no TV with breakfast and no texting the family member in the next room.

* Meet over meals – Sitting down as a family for dinner is a great goal, but not easy for everyone. Shoot for one or two nights a week when you do this, rather than setting a possibly unachievable – and frustrating – goal of every night. Enhance the time spent preparing meals by involving kids in meal prep. This teaches children life skills such as math and measuring, meal-planning and nutrition. It also gives parents the opportunity to share more time with children as they prepare the family meal together.

* Schedule down – Take a look at your family’s schedule. Busy, isn’t it? Now look again. Are you all doing too much? Are you doing things that don’t really bring you individual enjoyment, let alone family fun? As a family, discuss what’s important in your schedules and what you can live without. Allow each family member reasonable time to pursue individual activities, but also eliminate extraneous ones. Reassign that time to family pursuits.

Spending time together as a family provides numerous benefits – from a greater sense of stability for children to improved mental health for adults. With some creativity and the right tools, it’s possible to find more time to spend together with the people who are most important to you.

Protect yourself from summer's backyard pests

4/11/2013

(BPT) - Warm weather is here for the next few months, and that means you’ll be spending more time outdoors with family and friends – and more time with summer pests. Mosquitoes, fire ants, bees, wasps and yellow jackets are some of summer’s worst bugs. And those pests can be more than a mere nuisance.

In 2012, the Centers for Disease Control and Prevention reported more than 5,300 cases of West Nile Virus throughout the United States. West Nile Virus can be a serious disease for a few people (about one in 150), according to the CDC. Up to 20 percent of the people who become infected have milder symptoms, while most people who get the disease (about four out of five) will not show any symptoms at all.

“The best way to protect yourself from mosquitoes is to take the proper precautions,” says Orkin entomologist and technical services director Dr. Ron Harrison. “Use insect repellent when spending time outdoors, empty any standing water from around your home, and either stay inside or wear long sleeves and pants if you must be outside during dusk and dawn, because that is when mosquitoes are most active.”

Fire ants prefer warm, sunny conditions, and are most common throughout the southern United States, but have been found as far west as California and as far north as Maryland. Their mounds can grow up to 2 feet around and stand more than a foot tall. These colonies can contain several hundred thousand ants, including at least one queen. By attaching themselves to their victims and injecting venom through their stingers, they can sting animals and humans repeatedly when threatened or searching for prey. These ants are reddish-black and range in size from 1/16 to almost half an inch long.

Many bees, wasps and yellow jackets are social insects and live in colonies. Unlike bees, however, wasps and yellow jackets are capable of stinging multiple times. Many can exist where humans live, and can be dangerous if disturbed. All three insects can wreak havoc on outdoor fun, especially since they are attracted to food, garbage cans and sugary soft drinks.

Bee, wasp and yellow jacket stings can cause significant and life-threatening allergic reactions in about 3 percent of people who are stung, according to the Mayo Clinic. While stings are usually not life-threatening to most people, they can be painful, become infected and aggravate skin disorders or allergies.

Orkin recommends preventing these backyard pests from being summertime bothers by remembering the following tips:

* Clean up spilled food and drinks immediately, and keep food stored tightly, especially during outdoor picnics.

* Rinse out cans before recycling, and empty garbage cans and recycling bins often.

* Seal cracks around doors and windows.

* Keep gutters and downspouts clean and keep plants away from your home’s foundation.

Extend your car's longevity with these spring cleaning tips

3/26/2013

(BPT) - The open road lies in front of millions of drivers who are ready to lower the windows and feel the warm breeze. Nothing curbs the excitement of a spring drive more than car issues that could have been avoided by simple maintenance to combat the lasting effects of driving through winter.

Many people consider spring the perfect time to clean their homes, but it is also important not to forget the vehicle. The average vehicle stays on the road nearly 11 years, according to a study by Polk Research. This trend of consumers holding onto their vehicles longer than usual continues to grow.

To help protect what is typically the second largest investment for any consumer – your vehicle – here are simple tips to make sure you are ready for a successful spring travel season.

* Seasons change ... so does tire pressure: As temperatures change, so can tire pressure. Proper tire inflation is essential for increased automotive safety, optimum driving performance and significant cost savings, including better fuel mileage. Tires should be inflated to the vehicle manufacturer’s recommendations printed on the vehicle door placard or in the glove box, and should be checked at least monthly. Over-inflation can lead to premature or irregular tire wear and under-inflation reduces a vehicle’s fuel efficiency by an average of 3.3 percent, according to fueleconomy.gov.

* Keep hydrated: Many fluids require attention, including the engine oil, transmission fluid and power steering fluid. Spring is the perfect time to make sure they are all clean and at the proper levels. Additionally, to help ensure maximum engine life, change the oil and oil filter every 3,000 miles, or as directed by your owner’s manual.

* Breathe free: Replacing a dirty air filter can increase a vehicle's life expectancy and fuel efficiency by reducing the strain on the engine, especially during warmer months. Over the winter months, salt, sand and other impurities may build up in a vehicle’s air filtration system, and replacing this air filter can improve acceleration time by around 6 to 11 percent, according to fueleconomy.gov.

* April showers bring May flowers, and wet roads: Many times, consumers postpone tire purchases, but after enduring a harsh winter and looking ahead to the wet spring weather, it is not the time to have low tread on your tires. The lower the tread depth, the less traction you will have on wet roads, and the greater the distance you will need to stop. For drivers in need of “new shoes” for their vehicle, every tire in the Goodyear Assurance family offers confident all-season traction plus a relevant benefit that enhances the driving experience – ultra traction, refined handling and comfort, and fuel efficiency.

For more helpful car care advice or information on tires for cars, light trucks, SUVs and more, visit your local Goodyear retailer or go online to www.goodyear.com.

Frequent spring allergy questions answered

2/6/2013

(BPT) - Spring is in the air – and that means pollen, mold spores and other airborne allergens are going to bring on sneezing and wheezing for an estimated 40 to 50 million Americans.

The spring season can be especially bothersome with so much conflicting information on how to find relief. To help you better understand spring allergies and combat symptoms this sneezing season, the American College of Allergy, Asthma and Immunology (ACAAI), has answered some of the most frequently asked questions.

1. Why does it seem like more and more people have spring allergies?

This is likely due to increased awareness and more people taking the steps to being properly tested and diagnosed. According to a recent study published in the Annals of Allergy, Asthma and Immunology, pollen counts are gradually increasing every year, which can cause heightened symptoms.

2. Do spring allergy symptoms only last during the spring months?

The length of the season can help determine the severity of symptoms. For many areas of the country, spring allergies begin in February and last until the early summer. Mild winter temperatures can cause plants to pollenate early. A rainy spring can also promote rapid plant growth and lead to an increase in mold, causing symptoms to last well into the fall months. Allergists recommend starting medications to alleviate symptoms two weeks before they begin. If you have a history of prior seasonal problems, start your medication at the first sign of any symptoms.

3. Will eating local honey cure allergies?

A common myth is that eating a spoonful of local honey a day can build allergy immunity. The idea is that bees pick up pollen spores from flowers, transfer them to their honey and help you better tolerate pollen. Seasonal allergies are usually triggered by windborne pollen, not pollen spread by insects. There is no scientific evidence that honey will provide any benefit or reduce allergy symptoms. Your best bet? Talk to your allergist about ways to avoid allergy triggers, the best medications to treat symptoms and whether immunotherapy (allergy shots) could be beneficial.

4. Is there such a thing as spring asthma?

Allergies and asthma are often worse during different times of the year due to environmental allergens. An estimated 75 to 85 percent of asthma patients have allergies. These allergic responses in the lung can lead to symptoms of asthma. If you have spring allergies, this can be why you have more asthma symptoms during the season. Those that believe they may have symptoms of nasal allergy or asthma can find a free screening program in their area by visiting www.acaai.org/nasp.

5. Can you suddenly develop seasonal allergies in adulthood?

Yes. Although allergies are common in children, they can occur at any time and any age. Sometimes allergies go away, but they also can come back years later. If you suspect you have an allergy, you should keep track of your symptoms with MyNasalAllergyJournal.org and see an allergist to find relief.

“By understanding what allergens trigger your symptoms and how to avoid them, you can find relief from spring allergies this season,” says Dr. Richard Weber, an allergist and ACAAI president. “An allergist can help you find the source of your suffering and stop it, not just treat the symptoms.”

Allergies and asthma are serious diseases during every season of the year and that’s nothing to sneeze at. Misdiagnosis and inappropriate treatment can be dangerous. To learn more about these conditions, and locate an allergist in your area, visit www.AllergyAndAsthmaRelief.org.

Boarding your four-legged family member

2/15/2013

(BPT) - Whether traveling for business or fun, it’s not always practical to take along a four-legged family member. Arranging care of a beloved pet for an extended absence can be daunting. Knowing what to look for in a kennel, and what to look out for, can help you choose wisely.

Ask around

“Family and friends can be a good source of recommendations,” says Christi Olszewski, registered veterinary technologist (RVT) and instructor at Brown Mackie College - Albuquerque. “Your veterinarian is also a good reference point."

Scout out facilities

Be sure to tour a facility before boarding your pet. “Ask to see everything, not just a single room or two,” says Dr. Barry Kellogg, senior veterinary advisor for the Humane Society Veterinary Medical Association.

Here are some factors to consider during your tour:

* Cleanliness: Floors, runs and kennels should be clean and free of debris.

* Light and ventilation: The interior should be bright, with odors whisked away.

* Cage size: Each animal needs space for a bed, plus room to move. For cats, the space also should accommodate a litter box, and offer a place to hide.

* Exercise runs: Runs are usually located both inside and out; those with a double-gated entry provide extra security.

* Separation of dogs and cats: Ideally, cats and dogs are kept in separate rooms, not just separate enclosures; it can be highly stressful for cats to reside near unfamiliar canines.

Who are the caretakers?

“Most kennels won’t have a veterinarian on staff; however, the staff should be trained and experienced, and include at least one RVT with technical knowledge of health concerns and elderly pets,” says Olszewski. Kellogg reminds pet owners to “watch staff interaction with your pet. You want to see if they can sense the personality, and understand animal communication and behavior.” The experts also advise to ask about the ratio of staff to pets. The fewer animals each staffer is responsible for, the more individual attention your pet is likely to receive.

Daily activity

“Ask about the daily routine, the number and length of walks and exercise sessions,” Olszewski advises. “Exercise should occur more frequently than is necessary for bladder relief.”

Kellogg suggests defining ‘exercise.’ “Do they put him in a run by himself, or is there a person there with hands-on interaction? Some dogs prefer to go running alone. Other animals would become highly stressed without human playtime,” he says. He also recommends against group play.

“Dogs are pack animals, but the pack is hierarchal. There will be issues. This is always the risk associated with group play,” he says.

When boarding a cat, beware the cat condo structures with lots of cubbyholes. “A big castle may look appealing, but the carpeted surfaces pose a sterility problem. It cannot be cleaned thoroughly, and can become a source of disease,” Kellogg says.

Individual needs and preferences

Even though the Humane Society of the United States names boarding kennels as a known cause of stress in pets, you can take steps to help calm your furry friend. “Providing a familiar blanket or sleeping pad can help to reduce anxiety associated with being in different surroundings,” Olszewski says. “This stress coupled with a sudden change in diet can lead to gastro-intestinal upset. I recommend providing the kennel food your pet regularly eats.

If your dog is on medication, ask about the administration procedure. Most facilities will give medications, but some will not. Ask ahead of time to be sure.

Safety issues

Safety is the most important thing you want for your pet. Here are some important issues to address.

* Vaccination policy: Look for a strict vaccination policy, verified through a veterinarian; unvaccinated animals could threaten the health of vaccinated ones.

* Aggressive animal screening: You will no doubt feel better if aggressive animals are not permitted.

* ER clinic affiliation: Many kennels have a contract with a local ER clinic; an RVT on staff is trained to know what to look for and when to take an animal for treatment.

* On-site supervision overnight: Is someone on the premises 24 hours a day?

* Disaster plan: Fires, floods and earthquakes happen. Ask for details of the facility’s plan to be sure they have one in place.

The Modern Mom: Redefining Perfect [infographic]

4/3/2013

What is the definition of a perfect mom? According to a survey by The Quaker Oats Company, a subsidiary of PepsiCo, Inc., more than 90 percent of moms say there is not one definition of the perfect mom or that it means different things to different moms. Whether it’s balancing work and family life or deciding what to serve during mealtime, today’s mom creates her own kind of “perfect.” And now Quaker is providing a new option to help her customize the perfect breakfast for everyone in the family.

Quaker Oats introduces Quaker Perfect Portions, a multiserve instant oatmeal without added sugar that comes in a re-sealable package so everyone can select the serving size and sweetener they want, ready in minutes using water or milk. For more information about Quaker Perfect Portions, please visit www.QuakerOats.com, www.Facebook.com/Quaker or on Twitter @Quaker.

Secrets of what's driving American travelers this season

4/29/2013

(BPT) - Now that spring has sprung, drivers will be hitting the road in earnest to enjoy the warmer weather. In fact, according to Hankook Tire’s latest Quarterly Gauge Index, 56 percent of Americans are planning to take a road trip that involves driving 50 miles or more. On average, they estimate they will drive 1,025 miles. What is it about spring - besides the obvious pleasurable weather - that has so many people hitting the road?

Family time: The same survey found that one third of Americans will consider taking a road trip for family reunions. Not only is the warmer weather ideal for driving, it is perfect for picnics, barbecues and other fun outdoor activities. Mother’s Day and Father’s Day are also on the horizon. Hankook Tire’s Gauge Index found that those who drive to their mother’s houses to celebrate Mother’s Day drive an average of 320 miles, and those who drive to their father’s houses to celebrate Father’s Day drive an average of 355 miles.

Music concerts and festivals: The sounds of birds chirping aren’t the only tunes filling the spring skies. From Coachella to the New Orleans Jazz Festival to Bonnaroo, music fans will rack up the miles to jam with their favorite artists.

Sporting events: With America’s favorite pastime in full swing, many people will be traveling to their local ballparks to take in all the action. But why stop there? Avid fans also pack up and follow their teams to opponents’ stadiums.

There is no shortage of reasons for taking a drive this spring, but before cruising away you will want to take care of a few items.

Spring cleaning - Carry your spring cleaning efforts to your vehicle and make sure it is tidy before heading out. Hankook Tire found out that 49 percent of American drivers polled stated they plan to clean their cars before their closets this spring, compared to 32 percent who said they will first clean their closets. The survey also uncovered that not all Americans share a spring cleaning mindset. Nineteen percent do not intend to clean their cars or their closets.

Check that tire pressure – Drivers should check tire pressure at least once a month to ensure proper inflation. When tires are underinflated, they wear out faster, are less efficient and waste energy and fuel. Properly inflated tires save you money at the pump. According to the U.S. Department of Energy, you can improve your gas mileage by up to 3.3 percent by keeping your tires inflated to the proper pressure. Under-inflated tires can lower gas mileage by 0.3 percent for every 1 psi drop in pressure of all four tires

Avoid potholes - Potholes are prevalent in the spring, when temperatures rise and high moisture levels cause sinkholes. Try not to drive directly over potholes to mitigate any damage to your tires.

Be prepared for any weather – Spring isn’t all sunshine, as rain is often sprinkled into weather forecasts. Tires like the Hankook Ventus S1 noble2 have an advanced silica tread compound for improved traction in both wet and dry conditions. They also offer lower rolling resistance, delivering improved efficiency and fuel savings by minimizing wasted energy.

Decluttering advice for those drowning in digital chaos

1/25/2013

(BPT) - Smartphones, tablets, desktops, laptops, e-readers and music players – most of us have more than one digital device in our lives. Juggling so many devices and trying to sync data among them can leave you feeling like you’re drowning in digital chaos.

If you’re looking to declutter your digital life, getting a handle on your music is a good place to start.

For most people, it’s not uncommon to have hundreds or thousands of music files. While that variety is enjoyable, those high numbers have some underlying consequences: first, the sheer cost of paying for those songs and albums, and second, the amount of space they take up. And if your music isn’t shareable across platforms, there’s a serious frustration factor.

A digital music subscription can be a great solution, offering a variety of benefits:

1. Cost cutting. Digital music subscriptions offer millions of licensed songs and albums, typically for around $10 per month. Weighing that price against what you’d pay for individual tracks, the savings can add up quickly. For example, a premium subscription to Sony Entertainment Network’s Music Unlimited service gives users access to more than 18 million songs from all of the major labels and many independents and costs under $120 for the whole year.

2. Access anywhere. Digital subscriptions make it easy to access music across devices like personal computers, iPhone and Android smartphones, tablets, smart TVs, gaming consoles and more. So there’s no need to buy yet another gadget to have all the music you want at your fingertips, wherever you are. There is even offline playback for Android devices so you do not need to be connected to the internet to enjoy your favorite music.

3. Keep it secure. If you’ve ever gotten a “no files found” message or lost a device, you know the panic that the thought of losing your music collection will induce. A digital subscription keeps your library safe in the cloud, so that you don’t need to fear losing it all – and having to replace it.

4. Find new music. A defining part of being a music lover is always looking for great new music. An added benefit of a digital subscription is that it allows you to explore bands you haven’t heard of before; some services also provide features to help you navigate the choices available based on your preferences. Aside from delivering all of the latest album releases, Sony’s Music Unlimited service hosts dozens and dozens of pre-programmed channels and additional channels created by user preference through My Channels.

Cut down the digital clutter and optimize your life. Take the first step by trying the Music Unlimited service – there is a free 30-day trial to get you started. Learn more at music.sonyentertainmentnetwork.com.

Tips to select the right camp for your child

4/26/2013

(BPT) - Soccer camps, wilderness camps, chess camps, language camps – whatever interests your child, there’s a camp for him or her.

Whether you’re looking for a local day camp or an overnight experience far from home, the key to finding the right camp involves research. That means not only learning about all the options, but carefully screening camps to ensure your child will be safe and have a fun and memorable time.

Not all camps need to be licensed by a local or state government agency, nor do all seek certification through the American Camp Association. And with the wide variety of camps from which to choose, there is no standard set of regulations across the country, according to FindLaw.com, the nation’s leading website for free legal information.

"Because the commitment to quality and safety can vary dramatically from camp to camp, it's really important for parents to do their homework to make sure they're getting the best fit for their child and themselves," says Adam Orlow, a personal injury attorney with The Orlow Firm in New York.

If you’re looking for a camp to enhance your child’s skills, or simply to give him or her a little adventure, here are tips from FindLaw.com on what to consider when researching summer camps:

Get references – Ask the camp for two to three references of parents who live near you. Don’t hesitate to contact those parents to learn about their child’s experience at the camp. In addition, peruse online reviews.

Check the camp’s hiring procedures – Camps should readily share their protocol for staff background checks, which should include criminal background checks and personal references. In addition, make sure the camp offers its staff training on appropriate communication and discipline.

Visit the camp – If possible, visit the camp to inspect the facilities and equipment, review safety policies and meet the staff. For example, if the camp offers horseback riding, are campers wearing helmets? If a camp offers kayaking and canoeing, are life-vests stocked and well maintained?

Read all of the camp’s registration forms – Pay special attention to cancellation policies, disciplinary rules, and how staff handles cases of homesickness.

Ask about emergency procedures – Findings from an American Camp Association study indicate that few camps systematically review their health and injury records to make improvements toward preventing or reducing injuries and illnesses. With that in mind, ask the camp about policies and procedures for handling medical emergencies, especially if you’re sending your child to a sports camp.

Ask the camp about insurance – All camps should have insurance, and if you come across a camp that does not, you might want to consider other options.

Check the staff’s expertise – If a camp promotes itself as a source for your child to enhance his or her skills, carefully check the staff bios to make sure they have the proper training and background.

What are the camp’s policies toward visitors – How does the camp monitor visitors such as vendors and support staff? What does the camp do to secure its property throughout the day and night?

To learn more about everyday legal matters, visit FindLaw.com.

Secrets to a fun, enjoyable and fuss-free sundae bar for summer entertaining

5/22/2013

(BPT) - Yummy flavors, delectable toppings and the freedom to mix them together however you choose – who doesn’t love a sundae bar? With all the options available, a sundae bar may seem like too much work to pull off, but it doesn’t have to be. Whether it’s for a graduation or birthday party, Memorial Day or Independence Day barbecue, or a just-because party, you can serve guests a sundae bar that is fun and delicious – and easy to clean up if you follow a few simple tips:

* Build the bar. A colorful, organized sundae bar will not only look great, but it will make it easier for guests to find exactly what they want and for you to clean up when the party is over. Start with a brightly colored disposable table cloth. Fill a galvanized tub with ice and put the ice cream in the tub, to keep it cold. Put your bowls, spoons and napkins next to the ice cream tub, followed by your toppings.

* Designate a scooper. Assigning someone to scoop the ice cream will make it easier for guests to pick their toppings and create their sundaes. This will keep people moving through the sundae bar and hands clean at the same time.

* Top it off right. The best part about a sundae bar is the variety of toppings offered. For a unique touch, try putting some of your sundae toppings in old-fashioned glass mason jars. From chocolate sprinkles, cookie crumbles, cherries and strawberry fruit topping, it’s an appealing way to showcase toppings and a simple way for guests to pick their favorite combinations.

* Hot fudge without the mess. Your sundae bar doesn’t have to suffer from spills, reheating jars, messy hands and disappointing flavors. Choose easier topping options, like Breyers Toppings, to deliver maximum enjoyment without the fuss. These toppings deliver all the flavor, freshness and quality associated with the leading ice cream brand, and all the fun of traditional sundae toppings without the mess. Log on to www.breyerstoppings.com to learn more.

* Party themes. To add an extra touch to your get-together, add ingredients to your sundae bar to match the party occasion. Create patriotic red, white and blue sundaes for July 4th (use vanilla ice cream, cherry topping and fresh blueberries) or a s’mores sundae for a summer camp-out (vanilla ice cream, marshmallows, hot fudge and graham cracker crumbs). Or host a giant birthday party to celebrate everyone’s birthday, no matter the day, and have your guests top their sundae creations with a candle.

A sundae bar is a fun and creative idea for spring and summer entertaining. With some advanced planning and the right products, you can pull off a unique dessert experience that people will be talking about until the first snowfall.

Make laundry safety a priority this summer - and always

5/14/2013

(BPT) - Sunnier skies and summertime fun are just around the corner, and with them comes plenty of outdoor activities like long days at the playground, sporting events and barbecues. With so many options, the last thing most people want to think about is household responsibilities … but all that outdoor fun can add up to a lot of laundry.

During the summer, when we’d all rather be outside, it can be all too easy to turn on the “autopilot” switch and rush through household tasks like laundry. However, during times like these it’s important to take the time to think about your daily routine and how to better incorporate safety. Kids are curious by nature and get into everything, making it vital that all laundry and cleaning products are kept out of reach of children.

In addition, with the recent introduction of single-load liquid laundry packets – a product that’s easy-to-use but needs to be handled differently than liquid detergent – it is a good time to revisit your laundry routine to ensure your children’s safety.

There are small things you can do before, during and after your laundry routine to help keep your laundry room as safe as possible during the summer months and throughout the year. The American Cleaning Institute (ACI) offers the following steps to help you take your laundry routine off autopilot:

Before you start your laundry:

* To reduce the risk of curious children getting into single-load liquid laundry packets, as soon as you bring them into your home, immediately store them safely away, either out of reach or within locked cabinets or drawers.

* Keep single-load liquid laundry packets in their original containers with the labels intact to prevent misuse. Teach young children that laundry products and their containers are not toys.

* Familiarize yourself with laundry product labels and know where the safety information is located on the label.

* In the event of an emergency, also keep the Poison Control Center phone number (1-800-222-1222) available at all times.

While doing laundry:

* Focus on your laundry routine and reduce distractions by doing this task in the absence of young children.

* Know exactly how to handle single-load laundry packets:

- Do not let children handle laundry packets

- Do not puncture or pull packets apart

- Packets quickly dissolve upon contact with water, wet hands, or saliva so it is necessary to keep them dry

- If packets rupture, they can release contents into the eyes

After you finish up:

* Always close the single-load liquid laundry packet container or pouch and make it a habit to put them away immediately after use.

* Never use empty single-load liquid laundry packet containers for storage of any other materials, especially for anything intended for human consumption.

As the kids enjoy the long summer days at home, enjoy the season along with them. Having a laundry routine that isn’t on autopilot will alleviate worries and ensure that your family is safe and healthy. For additional laundry safety information and ways to keep you and your family healthy, clean and safe this summer and during the months ahead, visit www.cleaninginstitute.org/laundry.

Facts matter when your health is at stake

5/15/2013

(BPT) - Learning that you have a disease or medical condition can be overwhelming. You need to learn more about your condition. You may get advice from all directions – from well-meaning friends and family, the Internet, magazines, newspapers and television. But in the end, you want to understand your treatment options so that you can discuss your choices with your health care provider.

But how do you know what information to trust?

Every patient is unique and has different questions about his or her treatment options. While we may learn from others’ experiences, everyone can benefit from factual, unbiased information. The Federal Agency for Healthcare Research and Quality (AHRQ) is a great place to start exploring facts about treatment options for many common health conditions.

AHRQ takes the scientific facts and puts them into easy-to-read summaries that help people and their health care providers weigh the pros and cons of treatment options - such as comparing different medications for type 2 diabetes or treatments for high cholesterol. AHRQ’s resources also suggest important questions to ask your health care team. After all, understanding the facts about your treatment options will help you make educated decisions about what is best for you or your loved ones.

Three steps can help you prepare for your next medical appointment:

Explore: Explore AHRQ’s free resources to learn more about available treatment options for your condition. AHRQ has information about a wide range of health conditions such as heart disease, diabetes, mental health, men’s and women’s health, and muscle, bone and joint conditions.

Compare: Read about the benefits, risks, and potential side effects for each treatment. Discuss with your health care provider what is most important to you and your loved ones as you explore potential treatments.

Prepare. Write down questions and concerns to share during your next medical visit. This list will help you and your health care team work together to make informed decisions about which treatments work best for your needs.

To compare your treatment options and download treatment summaries, visit AHRQ’s Treatment Options initiative at: ahrq.gov/patients-consumers/treatmentoptions/.To order free print copies of treatment summaries on many health conditions, call 1-800-358-9295 and use code C-01.

Bringing up your baby: 7 financial decisions for new parents

3/7/2013

Having your first baby can be exhilarating and terrifying. You will be responsible for a new human life, and many new parents find themselves in a swirl of uncertainty about what kind of parents they will be.

Then, there are all the physical preparations to consider. Do you have a nursery ready? Is everything baby-proofed? Have you selected the perfect stroller, car seat, bottle, changing table, and every other piece of baby paraphernalia?

And perhaps the biggest question of all: Are you prepared financially?

It’s all too easy for financial preparations to fall through the cracks when having a baby. You will guide your child all the way into adulthood, and a huge part of this is making sure your family is financially secure. Financially preparing for a child does not have to be a major source of anxiety. Just follow the checklist below.

A financial checklist for your baby’s birth

1. Open savings accounts

There’s no such thing as opening a college savings account too soon. Contributing early and often will help build money for schooling or to start a professional career on solid financial footing. Also, consider opening a separate flexible savings account for the child. Use this account to save any extra money that is not going toward college savings – it can come in handy for unforeseen child care expenses or as a financial gift to your child as he or she enters adulthood.

2. Add the newborn to your will

If you have a will, you should add your child as a beneficiary. If you don’t have a will, this is the perfect time to have one drawn up. You should also add your child as a beneficiary of your life insurance policy – and if you don’t have a policy already, it’s time to get one.

3. Quote insurance

What if you die before your child reaches adulthood? Will your family be able to manage, financially? A life insurance policy will help guarantee the financial security of your family if you die. Most experts recommend looking for a term life insurance policy that will at least cover the time period necessary for your child to reach adulthood.

4. Quote disability insurance

A debilitating injury can be just as costly to a family as a death. In fact, it can produce even more strain. Medical and rehabilitation costs along with the loss of an income can quickly eat into your savings. You should consider long term disability insurance to help your family in the event that an injury or illness prevents you from earning money for your family.

5. Update your health insurance

Babies require special medical attention. Be sure they’re covered. If you have health insurance, add your child to your policy. To find out what you need to do and what costs are associated, talk to your insurance provider or your HR representative, if your policy is provided through an employer. If you cannot add your child to your policy, it’s time to start shopping for health insurance for the baby.

6. Update your tax documents

You should adjust your W-4 to show that you now have a dependent. This usually results in a significant decrease in the taxes taken out of your paycheck.

In some instances, you may claim your child for the entire calendar year even if it is not born until late in the year. This would result in extra savings. If you have any questions about this, you should consult with a tax professional.

7. Create a new budget

Before having children, you may have been accustomed to living more freely. Sure, you had a budget and were still putting money into retirement and savings, but there was still enough left over to allow you to have fun. As you’ve probably already heard, things change when you have children. This includes your budget. Where you once only had to budget for two people, there are now three. Also, you will have to do this with the same income you had before (babies are notorious freeloaders), or – even more daunting – with less income, if one parent decides to stay at home with the child.

You must become much more careful with your budget. Plan your expenses well in advance. Check with the experts to make sure your plan is feasible. Make sure you are accounting for the money you would like to put into savings. Your life will be much less stressful when you create and stick to a budget.

Most importantly, get ready for your life to change forever. Prepare to experience the joy, wonder, and even bittersweetness of watching your child grow into an adult. Enjoy every minute assured that your child will always be provided for.

When ordinary distraction is something more: diagnosing ADHD

3/12/2013

(BPT) - What parent hasn’t had to call a child’s name more than once to get his attention? Or wondered how she can still be “bouncing off the walls” at the end of a long, tiring day. Moments of intense activity or occasional inattention are typical kid behavior, but for some children the problem is extreme and impairing. How can parents tell if their child’s energy or distraction is ordinary or something more?

In the past decade, the number of children diagnosed with attention deficit hyperactivity disorder (ADHD) rose 24 percent, according to a study published in JAMA Pediatrics, the pediatric journal of the American Medical Association. The disorder is both over- and under-diagnosed. Because the symptoms overlap, ADHD can often be mistaken for other disorders such as anxiety, depression and oppositional defiant disorder.

Untreated ADHD can hinder a child’s ability to learn and perform well in school, make friends and interact with family, and develop age-appropriate decision-making skills. A mistaken ADHD diagnosis may result in unnecessary treatment, medication and a great deal of stress for the child and parents.

Accurate and early diagnosis is key to successfully treating ADHD, experts say. Progress toward a diagnosis usually begins with parental concerns over a child’s behavior or problems in school. Symptoms of ADHD can include:

* Difficulty paying attention

* Frequent daydreaming at inappropriate times

* Easily distracted from schoolwork or play

* Forgetfulness

* Inability to sit still

* Excessive fidgeting

* Talking too much or speaking without thinking

* Inability to play quietly

* Difficulty learning to take turns

Parents concerned about their child’s behavior and the possibility of ADHD should take their child to a medical professional for diagnosis. Doctors have a range of tools to help them not only diagnose ADHD, but establish a treatment plan and assess progress toward an individualized and optimized dose for the child.

The Quotient ADHD Test is one such tool, and is FDA-cleared for the objective measurement of hyperactivity, impulsivity and inattention to aid doctors in the diagnosis and management of ADHD. Testing and measurement of the severity of symptoms has historically been a challenge for doctors. Commonly, medical professionals use behavioral checklists and questionnaires completed by the child’s parents and teachers to aid in diagnosing ADHD. Those rating scales, however, can be susceptible to rater bias, and answers can vary dramatically from mother to father, and from parents to teachers.

During the patient’s first visit to the doctor he/she can be given a 15-minute Quotient test for children or 20-minute test for teenagers and adults to help quantify the severity of ADHD symptoms, which fall into three core categories: hyperactivity, inattention and impulsivity. Taking the test again during follow-up visits allows doctors to re-assess how well medications or non-medication therapies are working and guide changes in treatment plans.

Because the test report is easy to understand, patients are able to see the problem and doctors are better able to discuss treatment with patients and their parents. Families are also able to use the report to track the patient’s progress on a prescription medication.

Furthermore the objective measurements of the Quotient Test are valuable in ruling-out ADHD. This is especially important due to the increase in young adults faking ADHD symptoms to obtain stimulant medications. A college student can learn enough about ADHD symptoms in a five-minute Internet search to fake a rating scale and get drugs as a study aid. However, a student cannot fake the objective evaluation of a Quotient Test. To find a doctor in your area who already uses the Quotient ADHD Test, visit the website www.biobdx.com

“While ADHD can’t be cured, it can be successfully managed,” the Centers for Disease Control and Prevention states on its website. Early diagnosis and effective treatment of ADHD can help people with the disorder lead successful lives.

Consumers, be aware: Know the facts when it comes to oil changes

2/21/2013

(BPT) - With more than 300 million vehicles on the road today, motor oil is the lifeblood of any engine and can help protect and prolong its life, whether you’re driving a compact car, pickup truck or SUV. However, not just any motor oil will ensure the healthy life of an engine and, unfortunately, discounted deals for an oil change may not be such a deal after all.

With consumers looking to reduce their automotive maintenance costs, service locations can be quick to offer discounted services to capitalize on value seekers. How can a consumer be sure he or she is getting a quality motor oil and filter as part of the deal? A promise of “up to five quarts conventional oil” doesn’t really tell the consumer much about the quality of the oil being installed.

“I can’t stress how important it is to be ‘in the know’ when it comes to motor oil changes and to understand that there is a big difference between a value and just a cheaper deal,” says automotive expert Lauren Fix, or the “Car Coach” as she’s known around the nation. “If drivers choose to have a professionally installed motor oil in their vehicle, it’s a must for them to confirm what that shop is actually pouring into their car.”

Motor Oil Matters (MOM), a new consumer education and industry watchdog program by the American Petroleum Institute, has been established to stress the benefits of quality licensed motor oils and call onto the carpet those who engage in deceptive practices.

MOM and Fix recommend consumers arm themselves with a simple checklist of questions to help them make informed decisions about motor oil:

Time for a change?

The bottom line: Follow the oil change recommendations in the vehicle’s owner’s manual. Pay close attention to the oil life monitor if a vehicle has it. When the monitor says it’s time for a change, it’s time. Drivers need to pay close attention to their vehicle usage because vehicle manufacturers sometimes recommend oil drain intervals based on driving habits.

Do you know what you’re getting?

Your service provider should be happy to supply you with the brand, viscosity grade and performance level of the oil they use before it is poured into your vehicle. It’s also important to ask for that information in writing or on the receipt. Drive away from locations that don’t know or won’t confirm in writing what they’re pouring into your vehicle.

Who can you trust?

The American Petroleum Institute certifies oil change locations under the MOM program. Service providers that are MOM-certified have had their quality control procedures independently audited and have made the commitment to always tell their customers exactly what oil is going into their cars.

Does the oil meet the performance level recommended for my car?

Motor oil matters. Any motor oil poured into a vehicle should meet the level of performance recommended by the vehicle manufacturer in the owner’s manual. For many vehicles, manufacturers recommend oils that comply with the latest ILSAC (International Lubricant Specification Advisory Committee) or American Petroleum Institute standards. The American Petroleum Institute independently audits and licenses motor oils that meet its standards. Licensed oils carry the American Petroleum Institute’s Starburst or Donut certification marks as a representation and warranty that these oils meet the institute’s standards.

Getting a full change?

Make sure the oil change includes a fresh filter. Your owner’s manual likely recommends a particular type of oil filter, so make sure the right one is included with your oil change.

Not sure how to find an MOM-certified oil change location in your area?

Consumers can find a MOM licensed location near them by visiting www.MotorOilMatters.org or looking for the MOM mark. This website is a great resource to find more information about quality motor oil and how it helps protect your vehicle. MOM is also watching out for the “bad guys” and consumers are encouraged to confidentially report any oil marketer, distributor or service location that they suspect is misrepresenting the quality of the oil being marketed, supplied or installed. Just go to the MOM website and click on the Report Abuse button. Be sure to also check them out on Facebook and Twitter (@motoroilmatters) for the most recent updates and news.

Five common credit report errors to watch out for

3/22/2013

(BPT) - Everyone makes money mistakes. Some are harmless – like writing last year’s date on checks or buying a big-screen TV the day before they go on sale. Others can be downright harmful, especially when they could mean the difference between getting a good interest rate and paying thousands more in interest over the life of a loan.

Although uncommon, errors can occur in your credit report. Ensuring everything is being reported accurately is key to unlocking the benefits of a positive credit history. A strong, accurate credit report will help you get the credit you want at the best rates available. The federal Fair Credit Reporting Act requires credit reporting agencies to notify lenders when you believe something is being reported incorrectly so that the information can be updated in the lender’s records as well as in your credit report.

In order to find errors, you should check your credit report regularly. Websites like freecreditscore.com can help. By enrolling in freecreditscore.com, subscribers receive unlimited access to their credit report and score, and the chance to get credit score alerts, identity protection alerts and fraud resolution support. A mobile app allows users to monitor their credit on the go, and monthly reports and statements can help consumers stay on top of their credit and be aware of changes quickly.

When you review your credit report, check for these five issues:

1. Identification that doesn’t belong to you – Your credit report lists information that is reported by lenders as belonging to you. Look for variations in name spelling, names you’ve never used, different street numbers or Social Security numbers. They may just reflect typos in a lender’s records. But, they also could be a sign of identity theft. In either case, once found, the credit reporting company can help you correct the information or assist with fraud recovery.

2. Accounts that don’t belong to you – Like variations in identity information, an unrecognized account may be a sign of fraud that requires immediate action. Know that accounts may be reported under a name you don’t recognize. For example, a retail account may be reported under the name of the lender that actually manages the account for the store. If so, it would be no cause for concern, but it’s best to monitor your report for extra peace of mind.

3. Incorrect payment status – Late payments hurt credit scores more than anything else. If an account is reported as late but you made the payment on time, you can contact the credit reporting agency to help get the information updated.

4. Public records that don’t belong to you – Your credit report can include civil judgments, tax liens and bankruptcy public records. If your credit shows a lien against you for a home you don’t own, or you have never declared bankruptcy but your report shows a court record or account as included in bankruptcy, your credit can be affected.

5. Inquiries you didn’t make – Your credit report contains a list of creditors who have asked for it. Each entry on the list is called an inquiry. If you see inquiries you don’t recognize, it could be a sign of fraud.

Your credit report likely won’t have any errors, but if it does, one thing is certain: they can adversely affect your credit score, thereby hindering your ability to secure credit at favorable terms. The best way to spot credit report errors is to stay on top of your credit and to review your report regularly.

How stay-at-home moms can prepare for retirement

5/23/2013

When women choose to leave the workplace in order to stay at home and raise their young children, they make certain trade-offs. For example, they usually give up the chance to earn more money in exchange for the opportunity to spend more time with their children during their formative years.

“Sacrificing this income can make it more difficult for stay-at-home moms to save for retirement - but it doesn’t make it impossible,” says David Lerner Associates Senior Vice President Christina Nash. “It’s just as important for stay-at-home moms to plan for their retirement as it is for working moms.”

Nash offers the following tips to help stay-at-home moms prepare for retirement:

* Rollover your 401(k) from your previous employer into an IRA. “If you participated in a 401(k) plan at your last job, don’t leave the money behind - or worse, cash it out,” says Nash. If you cash it out, you may be subject to early withdrawal penalties, and you’ll probably have to pay income taxes at your current ordinary income tax rate.

A better option may be to rollover the funds into an IRA. “This may provide the most flexibility and control in terms of investing the money in accordance with your long-term retirement objectives,” says Nash.

The process is simple: Inform the custodian of your former employer’s plan that you wish to move your account balance into a rollover IRA. The custodian will either transfer the money directly to your IRA (this is known as a trustee-to-trustee transfer) or issue a check to you in the amount of your account balance. If you receive a check, be sure to request that the check be made payable to the custodian of your IRA for benefit of (or FBO) your name.

* Open a spousal IRA. With this option, your husband can contribute up to $5,500 per year (or $6,500 if you’re age 50 or over) to either a traditional or Roth IRA in your name. Note that you and your husband must file a joint tax return to be eligible for a spousal IRA.

* Have your husband increase contributions to his retirement plan. Will your household budget permit increasing (or even maxing out) contributions to your husband’s retirement plan? The maximum annual contribution to a traditional or Roth IRA in 2013 is $5,500 (or $6,500 if your husband is age 50 or over), while the maximum annual contribution to a 401(k) plan in 2013 is $17,500 (or $23,000 if your husband is age 50 or over).

“Keep in mind, however, that this money technically belongs to your husband,” Nash points out. “If you divorce before retirement, you may have some rights to a portion of his retirement savings, depending on your state. But exercising those rights may be difficult.”

* Open a solo 401(k) or SEP IRA. This may be an option if you operate a home-based business or have any other type of self-employment income. Solo 401(k)s can be established as either traditional or Roth. Each of these types of retirement plans has unique potential benefits, drawbacks and annual contribution limits, so study them carefully to determine which might be best for your situation. Download the slide deck at www.slideshare.net/davidlernerassociates/how-stay-at-home-moms-can-plan-for-retirement.

Material contained in this article is provided for information purposes only and is not intended to be used in connection with the evaluation of any investments offered by David Lerner Associates, Inc. (DLA). This material does not constitute an offer or recommendation to buy or sell securities and should not be considered in connection with the purchase or sale of securities. Member FINRA & SIPC.

Do's and don'ts of shopping for dads and grads

5/17/2013

(BPT) - Father’s Day and graduations are coming up, and that means you’ll have to think of appropriate gifts for these heralded champions. You don’t need to spend a fortune to make gift recipients happy, all you do need to do is put some thought into their presents. A few tips and tricks will help you pick out a gift the recipient is sure to love.

Here are some do’s and don’ts for shopping for dads and grads:

Do:

* Know what Dad enjoys. Does he like to cook? To read? Enjoy a specific sports team? It’s easier to buy a gift he’ll enjoy when you tailor it to his tastes.

* Consider giving your grad cash. Whether he or she is graduating from high school or college, there will be late-night pizza needs that pop up, and that money is sure to come in handy.

* Check your area for unique experiences. Being a tourist in your hometown can be easier than you think - whether it’s a trip to a local street fair, a specialty beer tasting at nearby watering hole, or even an afternoon at the ball game, sometimes sharing the experience can be the best gift.

* Spread your gift out through the whole year with a subscription to Netflix for Dad’s movie obsession, Hulu Plus for TV-lovers or Pandora for your grad with a music library that rivals Billboard’s Hot 100. Almost all online streaming devices from TVs to Blu-ray players and even a sound bar from LG can give him access to his subscription.

*Grads would love a place to plug in their music, and a docking station is perfect for everything from visiting a friend’s dorm room to just lounging around the apartment. With the ability to wirelessly stream from both iPhones and Androids, LG’s dual docking station can play from any phone in the area and keep them charged in the meantime.

Don’t:

* Buy Dad a tie. Beyond being cliche, with today’s casual workplace, he probably has more than enough already. Nothing says “forced smile” like a tie.

* Buy your grads gift card for specific stores. By now, they’ve got their own flair and style, and you’ll run the risk of missing the mark. Best to throw a cash card or two in the mix, and call it the “gift of shopping.”

* Give your grad the customary graduation pen – it will be “lost” or act as the resident paper weight until he/she moves out.

* Buy exercise equipment unless you know it will be used. Just because you think Dad should start exercising, doesn’t mean he shares your enthusiasm – and you’re implying he needs to lose weight (not what he wants to hear).

* Skimp on technology. It changes quickly – that’s why stores have those clearance tables. No need to break the bank, but don’t buy something that’s outdated the moment you walk out of the store.

Regardless of what you give a grad or Dad, she or he will appreciate it the most when your gift comes from your heart.

Toddlers and tech: reasons to share your smartphone

4/26/2013

(BPT) - A lot of things change when you become a parent. The shows you watch, the restaurants you go to and the concept of sleep as you once knew it all evolve when your family structure transforms from a “me” to a ”we.” And increasingly, personal gadgets like smartphones are following the same trend.

“One day I looked at my phone and realized I had almost as many apps on it for my daughter as I did for myself,” says Kat Holmes, principal designer for Microsoft’s Windows Phone. “My smartphone had stopped being just mine.” In fact, a recent study conducted by Babycenter.com shows that 75 percent of moms regularly hand over their smartphone to their kids.

But even with smartphone use among kids on the rise, concerns remain over how to keep curious fingers from navigating where they shouldn’t. This concern is what inspired Kat and the team at Microsoft to build new parent-friendly features into the company’s latest Windows Phone products. The most notable is Kid’s Corner, a space within your phone just for kids where they only have access to the apps, games, music and videos selected for them. So you can hand your phone over and let them explore while your personal stuff is safe and password protected. Kid’s Corner also disables browsing, calling and purchasing, so you won’t have any surprises on your phone bill later.

In addition to working full-time at Microsoft, Kat is also a mother of two small kids so she’s familiar with the challenges of creating balance in a busy week. “Tech plays a role in helping our family stay connected – keeping track of our schedules, our to-dos and each other,” says Kat. “And yes, sometimes letting my kids watch a video on my phone gives me a few moments of quiet to catch my breath.”

We asked Kat for a few more tech tips for creating balance as you share your smartphone with your kids.

*Partner with your kids to curate their mobile experience: To make mobile time fun, set aside time with your kids to choose new mobile content together, including new apps, music and videos. You’ll have peace of mind knowing what your kids are looking at, while giving them a sense that there is a space that’s just for them.

*Smartphones can be a simple way for kids to create and share: Smartphones aren’t just about apps, they’re also a way for kids to capture and share the world from their point of view. “My kids like to make little video messages for me and post them for me to find later,” says Kat. “They can’t accidentally send or upload photos from Kid’s Corner, so I know everything they make is just going to stay on my phone.” For other creative outlets with tech Kat suggests Kid’s Draw Free – an ad-free app that lets kids create and share their everyday masterpieces.

*Technology is more than entertainment, it can be educational too: A recent Qualcom survey found that 74 percent of parents have downloaded a mobile app for their kids. While many apps out there are solely for fun and entertainment, there are hundreds of great educational apps that can help kids hone their skills – everything from drawing to spelling to memorizing. A few of Kat's favorites include:

Animal Memory – with pictures and sounds of wild animals and farm animals, this matching game helps kids hone their memory skills

Connect the Dots – this hand-drawing free app also teaches kids how to read the names of the pictures they’re drawing

*Turn that fighting into a lesson on sharing: As a mother of two, Kat has learned that sometimes one phone isn’t enough, noting, “With more than one kid in the room, it’s pretty common to have fights over whose turn it is. Try uploading a stop watch or timer like the Six Stop Watch app to your device and encourage your kids to engage in 5- to 10-minute increments, and then hand it over to the next in line.”

To learn more about the family-friendly features available on Windows Phone, including Kid’s Corner, visit windowsphone.com.

Four health checks every woman must do - for herself and those she loves

5/13/2013

(BPT) - American women spend more time taking care of their families, homes and jobs than themselves. With so much time invested in caring for others, women can overlook the importance of their own health. Yet, neglecting their own health needs can make it much harder for women to also take care of those they love.

Women who consider themselves generally in good health and who are very busy may be less inclined to stay on schedule with important health checks. If putting off a doctor’s visit doesn’t seem like that big a deal, consider these women’s health statistics:

* A full-time working mom spends more than 10 hours a day on household activities, taking care of children and working outside the home, and just 2.3 hours on “me time” of leisure activities or sports, according to the Bureau of Labor Statistic’s American Time Use Survey.

* Fifty-six percent of mothers say it’s “very difficult” to achieve a work-life balance, according to Pew Research.

* More than 14 percent of American women age 18 and older are in fair or poor health, according to the Centers for Disease Control and Prevention.

National Women’s Health Week is May 12 to 18, but taking care of your own health should be a year-round pursuit. Here are four health checks every woman should have, and if it’s been a while (or never) since you had one, schedule a doctor’s visit right away:

* Annual physical – Kids get a checkup every year, and so do senior citizens. You should, too. No matter what your age or relative level of health, it’s important to see your family doctor at least once a year for a complete physical that includes blood pressure screening and a blood test that will check for diabetes, high cholesterol and other problems. This checkup can help your doctor spot any problems, provide you with guidance toward your weight and health goals, and give you peace of mind when everything checks out just fine.

* Skin check – Skin cancer rates have been rising for years, and now one in every five Americans will get skin cancer, according to the Journal of the American Medical Association. It’s also one of the most preventable and treatable forms of cancer, if caught early. In addition to performing regular self-checks, it’s important to have your skin thoroughly checked by a professional, too. Ask your physician to include a skin check as part of your annual physical, or schedule an appointment with a dermatologist.

* Reproductive health – From fertility questions and cancer screenings, to heavy periods and uterine fibroids, women can face many reproductive health issues. It’s important for women of every age to monitor the health of reproductive organs, so be sure to see your gynecologist once a year. He or she can also tell you what tests you should have to monitor your health, such as an annual pap smear or mammogram. Visit “Change the Cycle” to learn more.

* Mental/emotional well-being – Just as you take care of your own physical health and the mental health of your family members, it’s important to take care of your own emotional well-being. There’s nothing wrong with finding some “me-time” for yourself every day. In fact, it’s vital. Numerous studies show that happy, relaxed people are healthier than their stressed, tired, unhappy peers. Whether your mental health regimen includes meditation, a pedicure or 15 minutes with a good book, set aside time each day to do something that makes you relaxed and happy.

What every parent needs to know about keeping kids safe around medicine

4/19/2013

(BPT) - Every year more than 67,000 children are treated in an emergency room for accidental medicine poisoning. That’s one child every eight minutes. Even more surprising is that in 86 percent of serious cases seen in emergency rooms, the child got into medicine belonging to an adult.

“Ask any parent, and they will tell you they store medicine where children can’t get them,” says Kate Carr, president and CEO of Safe Kids Worldwide. “But every minute of every day the Poison Control Centers get a phone call about a medicine scare involving a young child.”

To find out what is causing this disconnect, and to understand what could be done to fix this problem, Safe Kids Worldwide examined data from the U.S. Consumer Product Safety Commission and Poison Control Centers, and spent time talking with moms.

“What we found is that while parents generally put medicine up and away from kids, they might not be thinking of pills stored in purses, vitamins left on counter tops or a diaper rash remedy near a changing table,” says Carr.

The study, “An In-Depth Look at Keeping Young Children Safe Around Medicine,” reveals some eye-opening facts. In 67 percent of emergency room cases, medicine was in a spot the child could easily reach, such as in a purse, on a counter or on the ground. Medicine belonging to a relative, such as an aunt, uncle or grandparent, accounted for 43 percent of emergency room visits for medicine poisoning.

“Curious kids can get into trouble fast,” Carr says. “It takes only a few seconds for children to get into medicine that could make them very sick.”

Safe Kids offers parents and caregivers some tips for helping kids stay safe around medicine:

* Always put medicine and vitamins up and away and out of sight of children. When you need to give another dose in just a few hours, it may be tempting to keep it close at hand, but it is important to put medicine up and away after every use.

* Be alert to products you might not think of as medicine but actually are, such as diaper rash remedies, eye drops or antiseptic ointments. Make sure all harmful products are kept up and away from children.

* Ask guests to put purses, bags and coats where children can’t reach them. Many people store medicine in handbags and coat pockets.

* When your child is a guest in someone else’s house, be aware of medicine risks. Take a look around to be sure medicine isn’t within reach of your child.

* Buy medicine in child resistant packaging when possible. But be aware that “child resistant” doesn’t mean “child proof.” Given enough time and opportunity, some children will still be able to get into medicine in child resistant packaging.

* Always keep the Poison Control Center number at your fingertips, either by the home phone or programmed into your cell phone: (800) 222-1222.

To learn more about keeping kids safe around medicine, or for a video on medicine safety, visit www.SafeKids.org.

“Fortunately, there are simple things we can do to protect our kids from getting into medicine, even those kids who are masters at getting into everything,” Carr says.

Stretching your summer entertaining dollars

5/1/2013

(BPT) - Warm weather is “special occasion” season. Whatever your event – a wedding, graduation party, family reunion or July 4th fete – summer celebrations have one important thing in common. Everyone wants to get the most bang for their buck.

Fortunately, from renting tables and chairs and other needed items, to do-it-yourself decorations, it’s possible to stretch your entertaining dollars this summer season. Here are some tips for ways you can get the most for your money, and host an event that guests will talk about well into fall:

* Create excitement with a theme. What will entice people to attend? Will your event be fondly remembered? Get co-workers raving about what a great job you did planning the company picnic. A fun theme can take the place of costlier entertainment options.

* Look for a low or no-cost location, such as a public park or your own backyard. Renting a venue can be expensive. Hosting your event in a no-cost location will allow you to put your entertaining dollars to work in other ways, such as food or decorations.

* You don’t need to pay for a DJ if you have just one tech-savvy friend who knows what to do with an iPod dock and some speakers. You can further save on entertainment by inviting guests to bring their favorite lawn or board games to the party.

* Don’t waste money buying when renting is more cost-effective. If you’ll need extra tables, chairs, dishes and cutlery, renting those items from your local rental store can be much more cost-effective than buying. What’s more, renting can give you access to items that you might not even consider buying, such as a tent, dance floor, inflatable bounce house or machines for making popcorn, cotton candy or snow cones. You can even rent a photo booth for a really unique and memorable experience. Renting can help you stretch your dollar, create a one-of-a-kind party and never have to worry about where you’ll store everything after the party is over. To find a local company for renting equipment and goods that will make your next event memorable and successful, visit RentalHQ.com to find the rental store nearest you.

* Get creative with food options. Everyone loves a barbecue, but costs can add up when you’re buying food for a large number of guests. Start by creating a menu of a few key items that will be sure crowd pleasers. Then, head to your local club store to stock up on main ingredients.

* Save money by sending save-the-date announcements and invitations digitally. It’s easy to find free online services that will allow you to send e-vites, receive responses and even track who will be attending – all online.

Throwing a memorable summer soiree doesn’t mean you have to spend a lot of money. From renting needed items and getting creative, it’s possible to stretch your summer entertaining dollars.

Surprising ways hot tubs heat up relationships

5/15/2013

(BPT) - On average, working adults spend less than an hour per day socializing and relaxing, according to the Bureau of Labor Statistic’s American Time Use Survey. Yet a host of research – and common sense – tells us that spending time together in a social, relaxing way is essential to building and maintaining healthy relationships.

Recreating that spark or special connection with your spouse or significant other, free from the distractions of everyday life, isn't as difficult as you may think. The answer can actually be found in your own backyard when you add a hot tub to your outdoor living space.

The therapeutic benefits of hot tubs are well documented - 79 percent of owners say they value the therapeutic health benefits their hot tubs present, according to a survey by the Association of Pool & Spa Professionals (APSP) - but many owners point to another significant benefit: the ability to spend more time with their partners.

Seventy-seven percent of owners say their hot tub is one of the few things that can truly take them away from the day-to-day stresses of life and allow them to reconnect with their partner.

Here are three surprising ways hot tubs can add some spice to your relationship:

* No distractions

The relaxed atmosphere of a hot tub promotes meaningful interaction, owners reveal. Hot tub owners typically say they use their hot tubs as a way to connect, and 82 percent say they are extremely satisfied with the level of relaxation it provides. Relaxing together outdoors, enjoying nature and each other’s company without the distraction of ever-present digital devices, is a great way for couples to rediscover the things that drew them together in the first place.

* Stress soothing

Life can be pretty stressful. Countless studies tell us that too much stress is harmful on a number of levels – physically, mentally and socially. Common stressors such as money are leading causes of strife in marriages and even lead to divorce. The warm water and effervescence of hot tubs relieve stress and soothe sore muscles, allowing couples to refocus on what’s most important in their lives: each other.

* The vacation effect

Something about vacation spells romance for couples; more than one getaway has led to a new addition to the family nine months later. While taking a trip more than once or twice a year isn’t always practical - the average American family spends about $1,180 per person on vacation travel according to an American Express survey - a hot tub can create the vacation effect in your own backyard, and allow you to experience that special feeling of romance every day.

Spicing up your relationship begins with the right tub, and finding the right hot tub starts with a professional you can trust. APSP Certified Professionals adhere to the highest standards of service, performance and ethical conduct. Visit the APSP website to find a professional near you.

A strong financial education makes good 'cents'

3/21/2013

(BPT) - Millennials, also known as Generation Y or those born between 1978 and 1994, are money movers. They’re wielding more purchasing power, spending $200 billion annually, and are expected to outspend the baby boomer generation by 2017, according to Kelton Research. At the same time, they face an increasingly complex global economy that puts heavy responsibility on individuals to plan for and manage their own finances from pre-college years through retirement.

This overwhelming reality presents both an opportunity and an obligation to enhance the financial literacy of young people so they’re better prepared for the world they will encounter upon graduation. However, Millennials aren’t the only demographic that would benefit from more resources to improve financial knowledge. No matter your age or income, having financial literacy will always be essential to making smart money decisions. One family-friendly resource available is TheMint.org – a website that provides educational tools and resources about budgeting, saving, tracking and investing money.

Financial literacy by the numbers

Young Americans are in a tough spot, financially. Today’s 20-somethings hold an average individual debt of about $45,000 between student loans, credit cards, car payments, mortgages and other sources, according to PNC Bank, a staggering burden for an unprepared young person to carry, exacerbated by an elevated unemployment level among this group.

Consequently, this group is significantly more likely to feel that financial planning is complicated and overwhelming, according to a recent study by Northwestern Mutual. The study found that young people rank “not falling below your current standard of living” as an important financial goal, but only 54 percent believe that they are on track to achieve this goal.

And it’s not just young people who feel they could be more financially prepared. The majority of Americans feel their financial planning needs improvement. In fact, Americans rated “improving personal finances” as their second highest annual priority, according to Northwestern Mutual’s study. They are also worried they’re unprepared to financially support themselves into their 70s, 80s and 90s.

Education is empowering

This month, get thinking about how you can improve your financial literacy and become better prepared for your future. You can use resources such as TheMint.org to re-teach yourself and your children how to manage money wisely. Understanding the fundamentals of personal finance is the first step to planning for the rest of your financial future. So why not learn more? It just makes “cents.”

For more information, and a variety of educational resources and interactive tools, visit themint.org.

Serve up an ideal space for summer outdoor entertaining

5/6/2013

(BPT) - The arrival of milder temperatures means dining al fresco, hosting neighborhood cookouts and enjoying intimate cocktail parties under the stars. When creating a backyard oasis to entertain family and friends this summer, it’s important that it be both inviting and able to withstand the wear and tear that goes hand-in-hand with warm weather fun.

The outdoor living experts at Trex suggest the following tips:

Maximize your space. Think about your deck in terms of different activities – and dedicate separate areas for relaxing, grilling, dining and socializing. Consider creating a simple seating nook or an elegant outdoor bar. Structures like trellises, or even tall potted plants, can help establish settings for cozy conversations between guests – while a pergola may offer much-needed relief from the summer sun.

“When you take a situation where you can entertain and move it outside, it immediately feels special,” says Tyler Florence, culinary artist and one of the faces of Trex’s new Engineered Artistry campaign. “First and foremost, think about how your space interacts with the environment and use that as inspiration to create a deck that suits your personal interests and preferences.”

Create a “full service” outdoor kitchen. If you’re planning to spend most weekends entertaining on your deck or patio, consider adding an exterior kitchen to your home. Incorporate elements like a grilling station, cooking range, sink, compact refrigerator – or even a built-in rotisserie or pizza oven. You’ll be able to prepare and serve food while outside conversing with guests – rather than being stuck inside behind the stove. Just remember to build your outdoor kitchen in an area protected from the elements and make sure that its style – whether modern stainless steel or rustic country – complements the look of your home’s exterior.

Choose low-maintenance materials. Spills, splashes and other mishaps are inevitable when entertaining outdoors. If you want to spend more time enjoying – rather than maintaining – your deck, choose materials that need only a soap and water cleaning to retain their enduring good looks.

“Because I have so much going on, I try to keep things as simple as possible and avoid situations that require an enormous amount of upkeep,” says Florence. “If you’re going to make the investment in a gorgeous outdoor living space, use decking and railing that will look amazing for decades to come.”

High-performance, wood-alternative decking like Trex resists fading, staining, scratching and mold growth thanks to an exclusive protective shell and high-traffic formulation – even after several summers of dropping grill tools, spilling barbecue sauce and moving around heavy outdoor furniture. And while these materials offer the natural look of wood, you never need to worry about sanding, staining or painting.

Design with distinction. Select a style and color scheme for your deck that best complements your home's exterior and reflects the natural environment. Today’s wood-alternative decking offers high-definition wood grain patterns and rich, saturated colors inspired by the outdoors – with a vibrancy that remains unchanged for years. When combined with a modular railing system that provides similar high performance and long-lasting beauty, composite decking offers endless mix-and-match options for incredible design flexibility to suit the style of any home.

“Go online and experiment with different resources and tools to figure out how your outdoor living elements can be integrated,” says Florence. “With Trex, for instance, the ideas are endless because you have so many more opportunities to create a really luxurious space.”

Don’t forget the finishing touches. Customize your outdoor living space to make family and friends feel truly welcome. Add ambience for evening cookouts with dimmable LED deck lighting, and create an inviting lounge area with comfortable, durable furnishings – or even outdoor speakers. You can choose to truly “deck out” a space with luxuries ranging from flat screen televisions to stone fire pits, but if the budget is tight, adding vibrant pillows or tropical flowers and plants serves as a quick and colorful pick-me-up.

For more inspiration to create an amazing outdoor entertaining space – or for favorite outdoor living recipes from Tyler Florence – visit www.trex.com.

Financial considerations beyond the 'fiscal cliff'

2/26/2013

(BPT) - With the agreement reached at the eleventh hour of 2012 to avert components of the so-called “fiscal cliff,” nearly all taxpayers will be affected in some way. With that in mind, there are still many things you can do this year to prepare for potential additional tax changes and to take control of your financial situation.

Below are 10 options from Thrivent Financial for Lutherans for you to consider as you prepare for your financial future in 2013 and beyond.

1. Consider an IRA-qualified charitable distribution.

People 70 1/2 and older, who are required to take minimum distributions from their traditional IRAs, may give up to $100,000 directly from their IRAs to qualified charities. This will satisfy the required minimum distribution, or RMD, requirements and no taxes will be due on the amount of the contribution.

2. Know your tax bracket.

Now that tax rates are higher at some levels, it’s more important than ever to know which tax bracket you fall into. Ask your financial representative and accountant about strategies to keep your taxable income at a reasonable level.

3. Consider converting a traditional IRA to a Roth IRA.

Given current historically low federal tax rates, you may want to consider locking in now and paying taxes while rates are low for most people. If you choose to convert later, you may be doing so at a higher rate.

4. Look closely at your 401(k) contributions.

You may want to consider making after-tax Roth 401(k) contributions, due to the low tax rates. Conversely, higher-income earners may want to focus on making pre-tax 401(k) contributions to decrease their taxable income.

5. Consider investing in municipal bonds.

The interest earned on municipal bonds is generally exempt of federal income tax and can help to diversify your overall portfolio.

6. Consider cash value life insurance.

In addition to protecting your family financially after you die, fixed cash value life insurance also can help you reach your broader financial goals while you’re living by helping you to diversify your assets.

7. Understand the benefits of inherited IRAs.

They can help your beneficiary take distributions over the maximum period allowed by federal required minimum distribution (RMD) rules, and give your assets the potential to continue to grow tax-deferred for your heirs.

8. Consider harvesting long-term capital gains.

Sell eligible assets while top tax rates for most taxpayers on long-term capital gains is just 15 percent.

9. Consider using unneeded life insurance and annuity contracts to pay long-term care insurance premiums.

The exchange may be free of federal income taxes and help preserve your estate and way of life. This is especially important to households hit by the 3.8 percent Medicare surtax and higher income tax rates.

10. Review your financial and estate strategies

Based on history and our debt situation, it’s likely federal (and state) income tax rates will increase sometime in the future. Review your financial and estate strategies and take appropriate actions now that estate law is permanent.

“Taking the opportunity to take a closer look at the recent changes and how they might affect your financial future is critical,” says Patrick Egan, chief retirement spokesperson for Thrivent Financial for Lutherans. “Change seems to be constant and working with a financial services professional can help to ensure you’re adequately prepared no matter what happens in 2013."

EDITOR’S NOTE:

The discussion of taxes in this piece is not intended to be comprehensive and is subject to change at any time. Tax law and regulations are complex and depend on individual circumstances. We make no guarantees regarding tax treatment – federal, state, or local – of life insurance or other assets.

Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal, accounting, or tax advice or services. Work with your Thrivent Financial representative, and as appropriate your attorney and/or tax professional for additional information.

Securities and investment advisory services are offered through Thrivent Investment Management Inc., 625 Fourth Ave. S., Minneapolis, MN 55415, a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans. Thrivent Financial representatives are registered representatives of Thrivent Investment Management Inc. They are also licensed insurance agents/producers of Thrivent Financial. Fee-based financial planning services are available through qualified investment advisor representatives only.

1 Municipal Bonds are subject to risks which include, but are not limited to, credit risk and interest rate risk. Some issues may be subject to state and local taxes and/or the alternative minimum tax. Any increase in principal value may be taxable. Bonds are subject to price change and availability. If you sell prior to maturity, you will receive current market price, which may be more or less than you paid. Interest generated from municipal bonds is generally expected to be free from federal income taxes. If the bonds are held by an investor resident in the state of issuance, state and local income taxes such as interest income, may be subject to federal and/or state AMT. Investing in municipal bonds for the purpose of generating tax-exempt income may not be appropriate for investors in all income tax brackets. Please consult your tax advisor for detailed discussion on your specific situation. These and other risks are described in the Fund’s prospectus.

Investing in a mutual fund involves risks, including the possible loss of principal. The prospectus contains more complete information on the investment objectives, risks, charges and expenses of the fund, which investors should read and consider carefully before investing. Prospectuses are available from a Thrivent Financial representative or at Thrivent.com.

For additional important disclosure information, please visit Thrivent.com/disclosures.

On the move? Use these packing tips and tricks

5/14/2013

(BPT) - Let’s face it – moving is hard. Along with the stress of leaving a familiar place and adapting to new surroundings, moving means packing, loading, transporting, unloading and unpacking everything you own – as well as everything you forgot you owned.

While relocation may never be completely carefree, there are ways to ease the anxiety. A well-thought-out approach to boxing up belongings can help simplify the moving process and bring you one step closer to making your new house a home.

* Box it up. To be prepared for packing, seek out a large quantity of clean, sturdy containers in a variety of shapes and sizes. When selecting boxes, you may choose to purchase new ones, helping to ensure they can withstand the rigors of moving. You can also purchase dividers, which come in handy for packing glasses and other small, fragile items. No matter what you are using, remember not to over-pack. As a general rule, heavier items should be placed into smaller boxes to avoid too much strain on the box (and your back).

* Leave it. The easiest packing is no packing at all. Moving is the perfect time to clear the clutter out of your life. Before boxing up your belongings, decide what to keep. Clothing and housewares in good shape can be donated, and broken or unused old items can be tossed or given to someone who can repurpose them.

* Mind the supplies. The right tools can go a long way toward easing the moving process. Pick up plenty of quality wrapping material, like Bubble Wrap Brand cushioning, as well as strong packaging tape to help make boxing up your belongings a painless process. Don’t get caught up in common frustrations that cause stress and waste time, such as tape that constantly tear or splits or struggling to find the tape end. Choose a quality tape, like Duck brand EZ Start packaging tape (packagingtape.com), for your moving needs; the brand’s Frustration Free special release technology ensures that you never lose the tape end. And EZ Start unrolls smoothly and easily, without splitting or tearing.

* Organize and prioritize. Pack from room to room and label boxes based on box contents, where boxes will be unpacked in the new location and priority. EZ Start packaging tape provides a solution here, too – with different prints to choose from, boxes can be organized and prioritized according to the particular design used.

* Get help. Be organized to help the entire moving day run smoothly, so that your volunteers aren’t waiting around for a job to do. Providing tasty snacks and drinks is a thoughtful way to say thank you, as are gift cards for coffee, movie theaters or their favorite stores.

* Pack a survival kit. Moving can be exhausting, and an all-day move may not wrap up until late in the evening. Don’t spend your first night in your new home unpacking. Instead, pack a survival kit or an “Open Me First” box with essentials to get you through that first night. Make sure to include some fun items, such as your favorite movie or a batch of brownies, to reward yourself for a hard day’s work.

Moving day may never rival a beach vacation, but these simple tips can make it a lot less stressful and help you enjoy your new home faster and easier.