5 ways to be more prepared this hurricane season

2025-07-02T12:59:00

(BPT) – As this year’s hurricane season gets underway, it’s a good idea to make sure you’ve done everything you can to prepare your home and family for weather emergencies. Even if you’ve gotten safely through hurricane seasons in the past, remember that each year and each hurricane can be very different. While it’s impossible to entirely hurricane-proof your house, some preparations can help make your home more resistant to damage and help you cope with the aftermath.

Here are five steps you can take to be more prepared this year.

1. Download a trusted weather app

Having the most current updates on hurricane activity on your mobile device is ideal for staying prepared. For example, National Oceanic and Atmospheric Administration (NOAA) Live Weather Radar is a timely source of information about weather conditions. NOAA also offers current updates through its Weather Radio service.

Knowing what’s coming is crucial to ensure your home and family stay safer. Be sure to follow the instructions from local authorities regarding sheltering in place or evacuation.

2. Secure your home

Make sure you have materials (such as plywood and hardware) to shutter your windows if you don’t already have permanent hurricane shutters installed. Depending on where you live, there may be laws regulating installation of hurricane shutters, so you may wish to check with your state or municipality. You may also want to see if professionally installed permanent shutters may make you eligible for insurance discounts.

As soon as possible, trim tree branches close to your home and/or remove trees that are unhealthy or too near your structure to prevent future damage. It’s also recommended to make sure outdoor furniture or other objects that could be picked up by strong winds be securely stored, and keep vehicles inside a garage if possible.

3. Prepare an emergency kit

Each year, refresh your emergency kit with a few days’ worth of fresh bottled water for each person in your household, plus non-perishable food items, a first aid kit, flashlights and batteries, cell phone chargers and essential personal care items. You can find a helpful checklist to build or update your emergency kit at Ready.gov.

Experience frequent power outages during storms? Consider keeping a good quality cooler ready with ice packs to store perishable foods easily.

4. Upgrade your backup power

The most effective way to prepare for power outages that often occur during severe weather — and can last for days — is having a reliable home backup power solution. For example, with the ultra-fast AC and solar recharging Anker SOLIX F3000 Portable Power Station, you’ll have reliable backup power in case of outages caused by extreme weather events like thunderstorms, heatwaves and hurricanes.

Solar panels and back up power system

The F3000 combines rapid recharging, scalable capacity and 120V generator compatibility to keep your essential appliances running during critical disruptions. Its 3,072Wh capacity and 3,600W AC output is enough power for refrigerators, medical devices, lights and more. Even better, it can seamlessly integrate with gas generators for extended run time, adding to the capacity of a generator you may already have. It’s also a useful backup in case your gas generator runs out of fuel, which can be hard to obtain during an emergency.

Other top features:

  • Clean, quiet and emissions-free so you can use it indoors.
  • Sleep mode feature with ultra-low idle power consumption, doubling backup time for light loads like fans, fridges and computers.
  • Ultra-low idle power consumption also means you can stretch your backup power much longer, which makes all the difference during extended power outages.
  • Expandable capacity up to 12,288Wh with additional battery packs.
  • Ultra-fast AC recharging reaching full charge in just 1 hour 18 minutes.
  • The F3000 app’s weather alerts help users stay ahead of extreme weather by sending warnings and reminders to charge the generator in advance, so you’re ready for potential power outages.

The F3000 supports dual solar inputs (165V + 60V), achieving 2400W solar recharging with most existing rigid or portable panels, with no new accessories required. This high-efficiency design lets you harness solar energy cost-effectively, reducing reliance on the grid and lowering electricity bills.

You can find more information at Anker.com and purchase at Amazon.com.

5. Be ready to go

Especially if your area is prone to evacuations due to severe weather, you’ll want to create a “go bag” for each member of the family to make quick evacuation easier for everyone. In addition to water and non-perishable food, go bags should contain any important identification or documents you may need, plus essential medications. Go bags can be customized for your family’s unique situation, with items like pet or baby supplies added if necessary.

By following these five steps, you can feel confident that you’re prepared for this year’s hurricane season.

Trouble sleeping? 5 ways technology can help

2025-07-02T08:01:00

(BPT) – If you have difficulty getting to sleep — and staying asleep — you’re not alone: 40% of adults worldwide suffer from poor sleep, with millions averaging less than three nights of quality sleep weekly. Not getting sufficient quality sleep can lead to health problems including increased stress, a weakened immune system, cardiovascular disease and more — not to mention negatively impacting your mood.

While there are ways technology can interfere with sleep, such as using devices right before bedtime, some technology is created specifically to help you sleep better. By using the right tech smartly, you can fall asleep faster and enjoy higher quality sleep.

Here are five examples of how technology can actually help you sleep better.

Slow down before bedtime

Meditation apps have become increasingly popular as a sleep aid, and for good reason. There are many options available, so it’s a good idea to try a few out to find what works best. Plan to meditate in the hour or half hour before bedtime. Guided meditation can help you relax, slow your heart rate, improve deep breathing and reduce the inner “noise” of your mind so you’ll be in a more ready state to fall asleep.

Cut out the noise

External noise is also a major factor in sleep interruption. If your sleep is frequently prevented or interrupted by someone snoring, traffic, home appliances, pets or other sounds, you may want to try soundcore Sleep A30 by Anker — the world’s first smart Active Noise Cancellation (ANC) sleep earbuds. Their unique design means you no longer have to choose between comfort and effective noise cancellation.

Close up of soundcore Sleep A30 by Anker

With these new earbuds, Smart ANC eliminates background noise from household appliances and outside traffic that affects sleep. Tested on thousands of ear canal shapes and refined over two years of research in a sleep acoustic lab, this ANC with Ear Canal Adaptation technology dynamically adjusts to your ears, providing deeper noise reduction for a tranquil night. And these thinner earbuds reduce the pressure exerted by your pillow, even when side sleeping.

Snoring partner? The earbud case actually monitors snoring sounds in real time, analyzing the sound level and frequency, then adjusts the masking audio of the earbuds for optimal effect. You can select snore-masking audio you love from the library, keeping you undisturbed all night.

Using the soundcore app, you have access to AI-generated Brainwave Audio for quicker and deeper sleep. Based on different sleeping scenarios, multiple binaural beats soundscapes stimulate your brain to generate relaxed brain waves, helping you fall asleep faster and deeper. The soundcore A30 earbuds can further help you improve your sleep quality by monitoring your sleeping duration and position, providing a visual report that helps you better understand your sleep pattern to optimize your rest.

Visit the soundcore Sleep A30 Kickstarter to learn more.

Seek comforting weight

Another option that many have found effective is to replace their current bedding with weighted blankets, which are specifically designed to help calm anxiety and improve sleep for a number of disorders. They are believed to be soothing in the same way swaddling infants calms them. Using a weighted blanket to improve sleep has been shown as very effective in recent research. Many recommend selecting a blanket that weighs about 10% of your body weight for optimal effect.

Consider a smart bed

A number of features available in today’s smart beds may positively impact your sleep. Several beds can monitor your vital signs such as heart rate, breathing patterns, body temperature, snoring and movements to help track your sleep quality. They can then recommend and make adjustments including temperature, positioning, levels of firmness and more. It is worth researching the different features offered, as well as taking advantage of trial periods many companies offer to see how effective a particular model is for you.

Light your home smarter

While you may have heard about “blue light” from screens and how it can negatively impact your sleep, the antidote to too much blue light exposure can be found in smart lightbulbs that emit warmer colors (think reds, oranges and yellows). Light experienced throughout the day impacts the body’s circadian rhythm, which is your natural internal clock. Timing optimal light colors to the right times of day is believed to impact how well you’ll be able to transition from wakefulness to sleepiness.

Make the most of the latest technology that can actually help you sleep better, and you’ll wake up refreshed and ready to enjoy the day.

Fire Up the Fourth with these Flavorful Pork Cuts

2025-07-01T12:31:00

(BPT) – As Fourth of July nears and grills fire up across the country, pork is claiming its place at the center of the celebration. Grilling isn’t just about cooking, it’s a summer ritual steeped in flavor, connection and laid-back joy. And no protein delivers on that promise quite like pork. From smoky ribs to juicy chops and tenderloin, pork brings bold, crowd-pleasing flavor to every flame-kissed bite. This Independence Day, don’t just grill, make pork the hero of your holiday table.

Grilling influencer and Fourth of July fanatic Darryl Postelnick (@cookingwithdarryl on TikTok) shines a spotlight on how pork brings unmatched flavor, variety and creativity opportunities to the summer table. From casual get-togethers to full-on family dinners, Darryl’s message is simple: “When you grill with pork, you’re not just making food – you’re making memories.”

Pork Cuts That Bring the Boom

For Darryl, pork isn’t just one thing, it’s everything. “Pork’s got range,” Postelnick says. “It can be juicy, smoky, spicy, sweet, fancy, messy, you name it.” Here are the seven cuts Darryl keeps on deck for the Fourth of July, and why he believes they deserve a spot on your grill.

Pork Ribs: The Star-Spangled Showstopper

“Nothing says ‘Fourth’ like ribs,” Darryl says. “They bring the drama. They bring the ‘wow.’ And when people see a rack hit the grill, they know it’s a party.” Whether sweet-glazed or spice-crusted, pork ribs are the kind of dish that gets people talking — and licking their fingers.

Pork Chops: The Quiet MVP

Too often overlooked, pork chops are Darryl’s secret weapon for fast, flavorful grilling. “Chops are that cut that can go from zero to hero in no time,” he says. “You can dress ’em up with fancy seasonings or keep it simple with salt, pepper and smoke.” Either way, they cook fast and eat big.

Pork Tenderloin: Elegant, but Easy

“Pork tenderloin is for when you want to impress without the stress,” says Darryl. Lean, tender, and ready to take on any marinade or rub, it’s the kind of cut that earns a place at the center of the table — and disappears just as quickly. “Slice it up, serve with grilled peaches, and watch folks go quiet. That’s how you know you nailed it.”

Pork Shoulder: Slow and Worth Every Second

For those willing to play the long game, pork shoulder delivers deep, smoky satisfaction. “It’s the cut that feeds the whole block,” says Darryl. “You throw it on early in the morning, and by fireworks time, it’s tender, pull-apart perfection.” Put a new twist on the classic slider and serve as street tacos with crema and coleslaw – pickles included.

Bacon: The Comeback Hero

Darryl doesn’t just save bacon for breakfast. “I use it to wrap, top, layer, or just serve crispy on the side,” he says. “It’s a flavor booster that takes everything up a notch.” From bacon-wrapped veggies to smoky toppings for mac and cheese, bacon adds crunch and crave to any dish.

Pepperoni: The Sleeper Hit

Think pepperoni’s just for pizza? Not in Darryl’s backyard. “Grilled pepperoni? Game changer,” he says. Whether skewered with pineapple or chopped into pasta salad, it delivers spicy, savory fireworks with every bite.

Pork Sausage: The Griller’s Playground

Finally, there’s sausage: hot, juicy, and endlessly customizable. “Sausage lets you play,” says Darryl. “Different flavors, different styles, all delicious.” From bratwurst to spicy Italian to smoky chorizo, there’s a sausage for every guest and every plate.

Darryl’s Fourth of July Mantra: Keep It Real, Keep It Pork

Beyond cuts and technique, Darryl’s biggest tip for the holiday is to stay present. “Grilling pork isn’t about perfection,” he says. “It’s about bringing people together. It’s about the smell in the air, the kids running around, the music, the laughter. Pork just happens to be the perfect centerpiece for all that.”

So, whether you’re smoking ribs all day or tossing chops on after a swim, remember Darryl’s golden rule: “If it sizzles, smells amazing, and makes your guests say ‘whoa’ – you’re doing it right.”

Fire Up the Flavor

This Fourth of July, make pork the centerpiece of your grill. For more tips, stories and summer inspiration, follow @cookingwithdarryl and visit Taste What Pork Can Do.

Because when you grill pork, you bring people together — and that’s worth celebrating.

The Rapala Guide to Making This Summer’s Family Fishing Trip the Best One Yet

2025-07-01T12:31:00

(BPT) – When you love fishing, taking your loved ones out on the water might just be one of life’s greatest joys. There’s simply nothing better than spending uninterrupted time together, telling stories and relaxing in between bent rods and photos of the widest grins you’ve ever seen under the hot summer sun.

It’s always great to introduce your family to something you love, but it’s important to do it right.

Whether your family members are equally as obsessed as you are, or they’ve never held a rod in their lives, here are some great tips from the folks at Rapala, the legendary lure-maker, to ensure you have the most fun possible on the water together this summer.

First things first, bring snacks – Low blood sugar is a sure-fire way for light-hearted trash talk to turn vicious. Have each person pick out their favorite snack and bring it on board to keep everyone happy. Plus, it’s hot out there. Bring a sports drink or lemonade for electrolytes!

Meet everyone where they’re at, skill-wise – Spend time and patience teaching the newbies of the group so they can have fun (and be safe) on the water, whatever that means for them! If the pros wanna “pro-out,” dedicate special time for them to let their competitive flag fly. If you do this, make sure to take photos to inspire the rookies.

Incorporate everyone’s interests – Believe it or not, every angler has something different about the sport that reeled them in for the first time. Maybe your teen just likes tanning on the boat. Maybe your little one wants to be like his big brother. Maybe Mom really loves setting personal records. Maybe Dad just likes having everyone all together. Ask everyone what they are most looking forward to before the trip starts to ensure that everyone has a great time — and wants to do it again next year!

Bring a healthy mix of baits – While some anglers might be ready for a technical hard bait lure like the Rapala PXR Mavrik™ 110 or the Jigging Rap®, the little ones or rookies on the boat might prefer to start with soft plastics like the CrushCity™ Mooch Minnow™ or the Freeloader™. Designed in collaboration with the world’s number one angler, Jacob Wheeler, these soft plastics promise pros and rookies alike maximum crushability.

Let each person pick out their own gear – Sometimes, anticipation can be just as sweet as a thing itself. There’s no better way to get everyone excited for the trip ahead than to let them pick out a brand-new toy to try on the water. Whether it’s a new rod, like the Myth Spinning Rod by 13 Fishing, or a bait in a fun new color (a CrushCity Janitor™ in Ghost Morning Dawn is great for a little one in a princess phase), gifts are a great way to dial up the anticipation for a summer trip.

Create traditions – A truly great fishing trip entails a lot more than just fishing. Think of the things your family loves doing together. Maybe it’s stopping at your favorite restaurant in town, making s’mores with peanut butter cups, or watching a specific movie. Whatever it is, make it a tradition to revisit every year and create special memories that last.

Bring a scale to inspire some fun competition – A little healthy competition is a great way to engage anglers of all levels. Bring a scale, like this one from Rapala, to weigh in your catches. Keep score of everyone’s heaviest fish. Winner gets bragging rights until next year!

For new anglers, don’t do too much too fast – Don’t hand a kiddo that’s never held a fish a slimy, squirmy sunfish and expect them to have a good time. Start by holding it yourself, then let the little ones gently pet the scales until they get used to it.

Bring other activities – Coloring books and card games are a godsend for when the littles lose patience and the pros want to keep casting. Remember, the most important thing is spending time together.

Take lots of photos – The kiddos will definitely want to document their “legendary” catches, even if it’s just a little perch. If you have teens or young adults, they might want to post their wins on social media.

Do your research – Try to find a destination where catchability is high and the water is clear. Morale can run low if bites are few and far between, or if weeds run rampant.

The safer you are, the more fun you’ll have – Bring sunscreen, lifejackets, lots of water, and always have a first-aid kit on your boat. A dehydrated, burnt angler is a sad angler! Make sure you take care of your body and help others do the same. Also, a good lesson on hook and water safety is never a waste of time.

Hot flashes and night sweats? Expert tips to help you cope

2025-06-30T19:15:00

(BPT) – If you’re in the midst of menopause or perimenopause, you probably already know how annoying hot flashes and night sweats — not to mention body odor — can be. Hormonal shifts during perimenopause and menopause can affect your sweat and body odor. When temperatures rise in the summer, these symptoms may feel worse, leaving you seeking any relief you can find.

The good news is that women are opening up more about their experiences including the ways they have learned to manage these and other bothersome symptoms.

“Menopause — and the years leading up to it, called perimenopause — is a completely natural part of life, and thankfully, women are finally starting to talk about it more openly,” said board-certified OB/GYN Dr. Jessica Shepherd. “The more we share our real stories, the more we can help each other figure out what actually works. Rather than tough it out in silence or brush off what you’re feeling, there’s support out there from other women who’ve been through it. Your health care provider can also be a valuable resource in managing your symptoms.”

Here are tips that can help you feel confident and in command when these symptoms show up, day or night.

1. Dress to keep cool

Make sure all your summer clothing is lightweight and made from breathable fabrics, including choices like rayon, bamboo, linen and cotton. This goes double for pajamas. Light, loose-fitting fabric that dries quickly and can wick moisture away from your body is ideal to help you cope with night sweats. Experiment to see which fabrics and styles work best for you.

2. Think layers

This tactic can help you feel comfortable when you’re in air conditioning, giving you the option to take an outer layer off when you feel a hot flash coming on. For example, wear a lightweight t-shirt or camisole, with a roomy button-down shirt or light jacket that can be removed when your body temperature is on the rise.

3. Use effective deodorant and antiperspirant

Say goodbye to your nightstand fan. The right deodorant and antiperspirant can make a big difference, night and day. You can feel cool all over by combining two products: Secret Whole Body Dry Feel Deodorant and Secret Clinical Antiperspirant. This powerful duo is designed to help keep you feeling dry, even overnight.

The new Secret Whole Body Dry Feel Deodorant is its first aluminum-free sweat control deodorant that delivers 24/7 protection anywhere you need it. As a complement, the Secret Clinical Stick provides two times the sweat protection compared to ordinary antiperspirants and can be applied to underarms to prevent wetness and odor. Its weightless, quick-drying formula leaves no residue, ensuring comfort and confidence throughout the day and night. These products are more than just an effective regimen; they’re about feeling good in your skin, no matter what.

Pro tip: Apply both products before bedtime to help tackle odor-causing bacteria for up to 10 hours of overnight dry feel, so you wake up feeling fresh.

4. Cut down on alcohol and caffeine

Both alcohol and caffeine can increase these symptoms for some people, so it’s a good idea to watch your intake — and pay attention to circumstances, foods or drinks that seem to make your symptoms worse.

“For many women, this can be a part of the journey, but not everyone experiences it the same way,” says Dr. Shepherd. “The good news is, there are supportive steps you can take to feel more like yourself, like tracking when symptoms tend to shift and choosing products that help you feel clean, confident, and cared for.”

Secret Deodorant is available at major retailers nationwide. For more information visit Secret.com.

5. Cool your bedroom

Start with an overall cooler room temperature before you hit the hay, then make sure your bed is supplied with cooling sheets and pillowcases to help with night sweats. Breathable fabrics and cooling technology can make a big difference in keeping your bedding feeling more comfortable overnight. Then, keep a bottle of cold water on your nightstand to sip as needed to cool your body down.

Counterfeit postage: If deal is a steal, it isn’t real

2025-06-30T14:01:00

(BPT) – Everyone loves a deal, but when something sounds too good to be true, it usually is. The same thing holds true when it comes to purchasing deeply discounted stamps. Scams involving counterfeit U.S. postage are costing the U.S. Postal Service millions and could cost you too. Customers using counterfeit postage risk having their items confiscated and could face stiff penalties. That’s not all. Now scammers are targeting job seekers with work-from-home scams that use counterfeit postage to reship packages.

How big of a concern are these scams? Since October 2024, the U.S. Postal Inspection Service has already seized more than 6.3 million counterfeit stamps and have issued 138 cease-and-desist orders to individuals and businesses using counterfeit postage.

Here’s how to avoid common scams.

Hefty discounts

Have you seen online offers for United States Forever® stamps at 50% off? When you do, keep scrolling … stamps offered at such a steep discount are likely counterfeit. You may see offers on social media marketplaces, e-commerce sites via third-party vendors and other sites, often sold in bulk quantities at a significant discount — anywhere from 20% to 50% off the face value of the stamps.

  • Why it matters: If you use counterfeit postage, even unknowingly, your mail, documents or other items likely won’t reach their destination. Items mailed with counterfeit postage will be considered abandoned and are subject to being opened and disposed of at the Postal Service’s discretion. Using counterfeit postage is not a victimless crime beyond defrauding the U.S. Postal Service, you’re also putting your own mail, property and personal information at risk.
  • What to do: To ensure postage you use is legitimate and your mail arrives safely, always purchase stamps directly from the Postal Service or from an Approved Postal Provider™. Approved vendors can include legitimate “big box” or warehouse retailers who may offer small discounts on postage stamps through resale agreements with the Postal Service. Find approved vendors in your area here. To report counterfeit postage to the U.S. Postal Inspection Service, visit USPIS/gov/report or call 1-877-876-2455.

Work-from-home scams

These scams often start with a job posting on social media. The job sounds so easy — you to work from home reshipping packages to their intended recipient.

Here’s how the scam works. The scammer sends items, usually purchased with stolen credit cards, and instructs the work-from-home employee to reship the package to the recipient using prepaid shipping labels they provide. Those labels are usually counterfeit and the employee has now, oftentimes unknowingly, committed a crime.

  • Why it matters: When the scam is complete, you’ll find that you won’t be paid. On top of that, you’ve helped the scammers’ customers receive stolen goods, the Postal Service loses revenue, and you’ve become involved in a criminal scheme that could lead to time in prison.
  • What to do: To protect yourself from these scams, remember: Legitimate companies and websites will have corporate contact information, a physical address, a phone number, terms and conditions, and privacy policies.

Still unsure if the business is legitimate? Contact the human resources department of the company offering work-from-home opportunities to verify the job or reach out to your state’s attorney general’s office or consumer affairs office, the Federal Trade Commission or Better Business Bureau.

Suspicious packages

What could be better than getting an unexpected package? But you didn’t order it, and it’s not from someone you know. You may get a package addressed to you with no return address or with a retailer’s name. Unfortunately, when seemingly harmless free items come from a company, they may come with a higher cost than you realize. Unsolicited merchandise can be part of a larger “brushing” scam, which is illegal in the U.S. In these scams the sender is usually an international third-party seller who found your address online, and sends you merchandise to designate you as a “verified buyer.” The retailer then writes a fake review in your name to fraudulently boost product ratings and sales numbers — which they hope results in more sales.

A new variation on brushing aims to steal your personal information — often to commit fraud or steal your identity. Called “quishing” or QR code phishing, this scam involves, packages containing cards with QR codes. The recipient is instructed to scan the code to get more information or discover who sent the gift.

  • Why it matters: Since the merchandise is usually cheap, scammers consider losing the item an acceptable loss. But the fake review in your name may encourage people to purchase worthless stuff. Further, while you may like getting free items, scanning unfamiliar QR codes could compromise your device’s security, allowing scammers to steal personal information and use it for illicit activities. In some instances, bad actors may use your address and account information to receive merchandise, then steal it from your home before you can intercept it.
  • What to do: Receive unsolicited merchandise? There are three things you can do: First, the merchandise is free, so you can keep it. But you didn’t order it, so don’t let senders convince you to pay for it. Second, if there’s a return address and it’s unopened, mark it “Return to Sender” and the Postal Service will return it. Finally, you can discard the item. Also, to protect yourself, change account passwords and monitor your credit reports and credit card bills regularly. And never scan an unfamiliar QR code included in a package you didn’t order.

The U.S. Postal Inspection Service encourages you to share these tips with family and friends to avoid bogus stamps and scams. Learn more at Counterfeit Stamps — United States Postal Inspection Service, and report suspected scams at USPIS.gov/report.

How to prepare for buying your first home

2025-06-30T09:01:01

(BPT) – Now more than ever, first-time homebuyers are dialed into the interest rate environment and what it means for purchasing a house. That’s why many experts advise that buyers “marry the home and date the rate” — in other words, buy a house you love and at a price you can afford with the option of refinancing if there’s a better rate in the future.

Beyond mortgage rates, buyers also have to weigh home prices, insurance premiums, property taxes and even their own financial readiness to take on homeownership. However, not everyone can afford to wait around for the perfect scenario to buy a home.

“Whether it’s because of a new job, a major life change or seeking a new school district, we see people needing to move for all kinds of reasons,” said Ana Munoz, Senior Home Lending Advisor for Chase Home Lending. “Instead of focusing on the rates, it can be helpful for borrowers to focus on what they can control, which is their financial preparedness. If you feel ready to take on the costs of homeownership, it’s important to meet with a mortgage professional to understand your options.”

couple talking with agent in his office

Whether you’re just starting your homebuying journey or are ready to buy this summer, the experts at Chase Home Lending offer these tips on prepping to buy a home:

Explore educational resources: Consumers planning to purchase a home, particularly first-time buyers, should start by educating themselves on the homebuying process. It’s easy to feel like you’re in over your head because you don’t know what you don’t know. Luckily, there are resources available to help boost your homebuying knowledge such as webinars, podcasts and articles, like the Chase Beginner to Buyer Podcast.

Determine when the time is right: Understand your needs and wants for homeownership, and what will best fit with your lifestyle and budget. Consider additional costs including property taxes, home maintenance and more, along with the advantages — like building home equity — to determine if it’s the right time for you to buy.

Understand the upfront costs of homeownership: Affordability is still top of mind for prospective homeowners, especially for first-time buyers. The upfront costs of homeownership, such as closing costs, a down payment and fees, may catch some buyers off guard. Online tools like an Affordability Calculator can help you determine how much you can afford.

To feel better prepared, borrowers can research and review homeowner and down payment assistance programs and grants they may be eligible for to address the initial costs of owning a home. A great tool to help you right from your phone or computer is Chase’s Homebuyer Assistance Finder, which helps borrowers find all the assistance they might be eligible for.

Couple looking for houses online while in their livingroom

Work with trusted professionals: Before you begin your home search, consult a home lending professional. They can help you get preapproved, navigate the local homebuying market and review loan options. It can also be worthwhile to check with your bank since many offer discounted rates to eligible borrowers, so be on the lookout for your bank’s relationship pricing options.

Lock in your rate: Interest rates can rise and fall quickly. Being able to lock in an interest rate with a lender can give you assurance of how much you’ll pay in interest for your home loan. For example, Chase offers their Homebuyer Advantage with Lock and Shop, which lets you shop with confidence because you’ve locked in your interest rate.

Bonus: Common misconceptions about homeownership

There are a few misconceptions about buying a home that may be keeping some prospective buyers on the sidelines. Here, we break down what’s myth vs. fact about homebuying:

  • Misconception 1: You have to put 20% down.
    Fact:
    Some loan types offer low down payment options, such as FHA and VA loans. Check out Chase’s DreaMaker Mortgage, which may allow borrowers to put down as low as 3%.
  • Misconception 2: All lenders offer the same high interest rates.
    Fact:
    Interest rates may vary by loan type and lender. Check with more than one lender, consider all the upfront costs of getting a mortgage and lock in your rate for added confidence during the homebuying process.
  • Misconception 3: I’m not eligible for any assistance programs.
    Fact: There are assistance programs at the local, state and national levels to support homebuyers on their path to homeownership.
  • Misconception 4: Banks don’t close on time.
    Fact: If you’re buying a new home or investment property, you may be eligible for the Chase Closing Guarantee. Chase promises on-time closing for eligible products in as soon as three weeks or you’ll get $5,000, if you qualify. Plus, homeowners may be able to save more and tap into discounts when using a bank like Chase versus a nonbank.

Ready to start planning for your dream home? Visit Chase.com/afford.

For informational/educational purposes only: Views and strategies described in this article or provided via links may not be appropriate for everyone and are not intended as specific advice/recommendation for any business. Information has been obtained from sources believed to be reliable, but JPMorgan Chase & Co. or its affiliates and/or subsidiaries do not warrant its completeness or accuracy. The material is not intended to provide legal, tax, or financial advice or to indicate the availability or suitability of any JPMorgan Chase Bank, N.A. product or service. You should carefully consider your needs and objectives before making any decisions and consult the appropriate professional(s). Outlooks and past performance are not guarantees of future results. JPMorgan Chase & Co. and its affiliates are not responsible for, and do not provide or endorse third party products, services, or other content.

Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Equal Opportunity Lender.

© 2025 JPMorgan Chase & Co.

When Graves’ disease affects your eyes: Why early action matters

2025-06-30T06:01:01

(BPT) – Did you know that up to 40% of people with Graves’ disease may also develop Thyroid Eye Disease (TED)? Although related, TED and Graves’ disease are different conditions that require different treatments. Failing to recognize and treat TED can lead to serious eye complications — including double vision, eye bulging (proptosis), chronic pain and even vision impairment.

TED can progress rapidly, and without timely intervention, inflammation (redness and swelling) and scar tissue can form around the eyes causing damage. The longer TED goes untreated, the more likely serious damage can occur.

Because TED can progress independently of thyroid hormone levels, managing Graves’ disease alone may not be enough to prevent or treat eye symptoms. That’s why it’s essential for people living with Graves’ disease to stay alert to any eye changes, seek care from a TED Specialist at the first sign of symptoms, and advocate for a proper diagnosis and care. TED Specialists are often select ophthalmologists and endocrinologists, as well as oculoplastic surgeons and neuro-ophthalmologists, with experience treating TED.

Signs and Symptoms of TED

Some common signs and symptoms of TED are:

  • Bulging eyes
  • Double vision
  • Dry, gritty eyes
  • Red, swollen eyes and eyelids
  • Watery, teary eyes
  • Eye pain and eye pressure
  • Sensitivity to light
  • Retracted eyelids (your eyelids can’t close properly)

The Impact of TED

TED can impact people beyond physical symptoms. Changes in appearance — such as eye bulging — can affect a person’s emotional well-being. Christine Gustafson, who lives with TED and is the CEO of the TED Community Organization, shared, “Even if it was only just the physical appearance, it was enough to really disrupt my life.” She described how strangers would stare and people would whisper in public, leaving her feeling alienated. “You make a choice — either you go on with your life or you withdraw. And many people withdraw,” she said, but finding support from others in the autoimmune community and understanding how to self-advocate can make a difference.

The Importance of Self-Advocacy

The road to a TED diagnosis is not always straightforward. Many people spend months — or even years — seeking answers as they navigate a range of eye symptoms often confused with allergies, dry eye or even aging, leading to delays in receiving the appropriate diagnosis and care.

LaQuilla Harris, who lives with Graves’ disease and TED, met with four doctors before finding a team that understood her needs. Now, LaQuilla advocates for others to understand their risk. “I have struggled to manage my TED symptoms because they were undetected for so long. That’s why I want to ensure that others living with a thyroid condition such as Graves’ disease understand their risk and get the proper care they need.”

Tips to Be “TEDucated”

If you or a loved one lives with Graves’ disease, knowledge about TED is power.

  1. Know the signs and symptoms – Symptoms like eye bulging, double vision, grittiness or redness may be early indicators of TED. Be sure to observe and track your symptoms often and if you notice any changes, let your doctor know right away.
  2. Understand the connection – Graves’ disease and TED are related but separate autoimmune conditions. Even if your thyroid levels are stable, TED can progress independently, so it’s important to monitor your eye health continuously.
  3. Find the right care team – Unlike other eye doctors, TED Specialists have the right experience to provide the right care. TED Specialists are often select ophthalmologists, endocrinologists, oculoplastic surgeons and neuro-ophthalmologists with experience treating TED. It is important to work with a TED Specialist early on so you can build the best treatment plan for your eyes and avoid further damage to them.
  4. Advocate for yourself – If you’ve been diagnosed with Graves’ disease and notice any eye symptoms, ask your provider directly about TED and request a referral to a TED Specialist.
  5. Build your community – Getting TEDucated also means connecting with the wider autoimmune community for support and resources. If you have TED and/or a thyroid condition, like Graves’ disease, you aren’t alone. Educate your friends and family about your conditions and seek support groups online or in your community.

Visit ThyroidEyes.com to learn more about TED.

USA-632-80765 06/25

Beta cells 101: Explaining the role of beta cells in type 1 diabetes with Professor Beta T1D

2025-06-30T07:01:01

(BPT) – Sponsored by Sanofi

It’s an unfortunate reality that myths and misconceptions about type 1 diabetes (T1D) are widespread today, leading to significant awareness gaps that ultimately make it harder for people to understand their own risk of developing the disease. Consider this: While many believe that T1D is a juvenile disease, it can impact anyone at any age. Others think it begins only when symptoms appear, when in fact, the disease progresses gradually in stages over time.

These misconceptions extend to a root cause of the disease. T1D is not simply caused by a lack of insulin; it’s a result of the autoimmune response in which the body mistakenly attacks its own healthy beta cells. The destruction of beta cells is central to the development of Stage 3 T1D, which is why understanding beta-cell function is foundational to understanding the progression of T1D. Below, explore why beta cells are such a critical piece of the T1D progression puzzle.

The role of beta cells

Located in the pancreas, beta cells are responsible for insulin production, insulin storage, and the regulated release of insulin. Beta cells work to create glucose homeostasis (i.e., keeping blood glucose levels within a healthy range) and precisely respond to changes in the body’s metabolic status due to food intake and other factors. In T1D, an autoimmune-mediated response – likely initiated by a complex interplay of genetic susceptibility and environmental triggers – targets and destroys these insulin-producing beta cells.

Ongoing, underlying beta-cell destruction is a critical marker of progressive autoimmune T1D. This progression is what defines the stages of T1D. Beta cell destruction can begin as early as four to six years before clinical symptoms appear. In Stage 2 T1D, more damaged beta cells release autoantigens which causes T1D autoantibodies to develop in the blood in response to the autoimmune attack. T1D screening through a blood test can detect these autoantibodies early, potentially identifying T1D in its early stages – before symptoms even emerge.

As we continue to learn more about the unique role of beta cells in T1D, education around beta-cell function becomes critical. That’s where “Professor Beta T1D” comes in.

Meet Professor Beta T1D

To help demystify the science behind T1D and build a better understanding of beta-cell function, Sanofi created Professor Beta T1D – an animated, educational digital avatar dedicated to making beta-cell science more accessible and digestible. Professor Beta T1D’s goal is to highlight the unique impact of beta cells in T1D.

Professor Beta T1D is bringing his expertise to HCPs through social channels like X, Instagram, and LinkedIn. Professor Beta T1D is a healthy beta cell living his best life, seeking to keep calm and carry on in the face of T1D.

multi professor betas grouped together.

As an ambassador for the clusters of other beta cells, Professor Beta T1D is highly knowledgeable, but also frustrated, fighting to be heard before it’s too late. As a strong believer that there’s a “beta way to look at T1D,” there are two things Professor Beta T1D wants others to know about beta-cell function:

  1. Beta-cell function determines disease progression and an individual’s T1D journey. As measured by C-peptide, beta-cell function can indicate patients’ level of remaining beta-cell activity and help determine the extent of autoimmune T1D progression.
  2. Beta cells define clinical outcomes, because some functional beta cells are better than none! It has been observed that in T1D even low beta cell function can produce adequate endogenous insulin to maintain glycemic control.

Insights into how beta cells influence T1D are key to understanding disease progression and may help inform the development of novel disease management approaches. Learn more about beta-cell function on www.betawayt1d.com.

Sanofi does not provide medical advice, diagnosis, or treatment – information is provided for educational purposes only. Patients are directed to their doctor if they have any questions about their health or disease management.