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2025-01-13T10:31:00

(BPT) – Wave Season isn’t just trendy travel terminology, but how savvy vacationers maximize their dollars when booking their big trips! Starting just after the holidays from January through March, Wave Season is the cruise industry’s version of a Black Friday or Cyber Monday sale. As an already cost-effective way to see the world, cruise lines and travel providers are offering even more opportunities for deals, letting passengers customize their trips with new activities, new dining experiences, and even new destinations. Whether this is your first time exploring booking a trip during Wave Season or you’re a seasoned voyager on the high seas, there are numerous ways to save before you set sail. In fact, AARP members can utilize an array of benefits and discounts that can help curate the perfect vacation.

“Cruises are having a big moment, and rightfully so as they can be excellent options for travelers wanting to see a lot of sights and get tremendous value on their vacations. And, to coast your way into even more savings, don’t forget to take advantage of Wave Season’s exclusive discounts and offerings that may not be available any other time to book a cruise this year,” said AARP Services Director of Travel Steve Guilday.

You can keep your wallet and your peace of mind afloat with these money saving tips before venturing out to sea.

Planning Made Easy. Leave stress at home through some advance preparation so once you arrive at your port the only step is climbing aboard. When you book through a one-stop-shop like AARP Travel Center Powered by Expedia, you can plan your entire vacation from start to finish. With exclusive deals, seasonal offers, and special savings on hotels, car rentals, and cruises, members can get a $50 gift card of their choice when they book a flight vacation package and receive up to $100 in onboard credit on select cruises to the Caribbean, Alaska, Europe and more.

Well before embarking on any international cruises, check that your passport is up to date. Some countries require that your passport is valid for six months past your departure date, so you don’t want to be caught in a bind. As an AARP member, if you need to act fast on renewing, you can save 15% on expedited U.S. passport and travel visa services with RushMyPassport. RushMyPassport offers expedited options for all passport types and customer support to simplify the process of obtaining travel documents.

Cruise Your Way to Happiness … and Savings. Take in a deep breath of the salty air. Feel the ocean breeze across your face. Explore a new destination or enjoy one of your favorites as you sail from port to port. With an AARP membership, take advantage of Holland America Line’s fleet of 11 ships with more than 500 sailings a year to all seven continents, including cruises in Alaska, the Caribbean, Mexico and Europe. Additionally, you can receive up to $200 in onboard credit per stateroom, based on the length of the cruise and the stateroom chosen. Or set sail with HX: Hurtigruten Expeditions where you can experience some of the most remote and awe-inspiring places on the planet from Antarctica to Alaska and British Columbia or the Galápagos Islands to the Scottish Isles, and more. AARP members and any travel companions can circumnavigate the world and receive a 5% discount on all cruise fares. You can also receive a €100 per person onboard credit. This offer will be stackable with all in-market HX offers. Terms and conditions apply.

Voyage Along Inland Waterways. Travel to the city centers and towns that dot picturesque riverbanks, exploring diverse landscapes and the fascinating history and cultures. You can sail the rivers of the world from the waterways of Europe to the Nile in Egypt, India’s Ganges, and the Mekong in Vietnam with Grand European Travel. AARP members save up to $100 in addition to any promotional savings on all-inclusive luxury river cruises. Plus for a limited time, members can sail into savings with up to 30% off per person on select 2025 departures. Enjoy an unmatched experience in luxury river cruising with Uniworld’s all-inclusive vacations to Europe, Egypt, and more, when you book by March 31, members can save an extra $100.

By Land or Sea? Try Both. Did you know that surf and turf isn’t just a dinner menu item? Combine your ocean or river cruise with a land or rail tour and get the best of both. You can use your AARP membership to save 5% on more than 40 rail and cruise vacations with Vacations by Rail in popular destinations like France’s famous waterways, the Rhine and Danube Rivers, Alaska’s Inside Passage and trans-Atlantic crossings. Collette also helps AARP members save up to $250 on select cruises and tours. This is a great way to explore more of the world. Sail the Galapagos, spend Christmas on the Danube, cruise to the edge of the world in Patagonia, sip coffee in a corner cafe in Paris and more.

Regardless of where you cruise for your next vacation, an AARP membership can help you save. For those of you looking to take advantage of Wave Season, learn more about additional cruise discounts for AARP members by visiting https://www.aarp.org/membership/benefits/campaigns/cruise/.

2025-01-13T08:27:00

(BPT) – If you live in a home or apartment with minimal kitchen space due to its wall and cabinet configurations, you probably know how challenging it is to replace major appliances. For example, most newer refrigerators are designed with larger kitchens in mind, so they simply won’t fit in smaller kitchen spaces. This leaves you without many options unless you’re willing to undergo a complete kitchen renovation.

Looking for another solution to your small kitchen dilemma? You’re in luck. With the new LG Counter-Depth MAX™ Refrigerator with Zero Clearance™ (LF24Z6530S), you no longer have to worry about your refrigerator sticking out beyond your current counters or not being able to fully open the doors. And even better, you’ll be able to enjoy a stylish, contemporary design that’s built for today’s living, available in stainless steel to complement various kitchen styles. In addition, its restyled bar handles and the freezer pocket handle combine for easy opening and an attractive look.

The Counter-Depth MAX™ Refrigerator with Zero Clearance™ features an innovative zero clearance hinge system and 45% thinner doors that take up less space (compared to previous LG Counter-Depth MAX model LRYKC2606), letting you install the refrigerator in tight spaces and still fully open both doors.* This reduces the need for extra space while maximizing the refrigerator’s square footage and achieving a sleek, built-in look — without the cost of a built-in.

A contemporary solution for minimal kitchen spaces

If you’ve had to opt for older, smaller refrigerators in the past simply to cope with your limited kitchen space, you’ve probably been frustrated not only by the minimal storage offered by these fridges, but also their complete lack of modern features and technology.

However, the LG Counter-Depth MAX™ Refrigerator with Zero Clearance™ gives you the best of both worlds: You’ll appreciate the sleek design that will complement any kitchen, and you’ll also enjoy the larger interior than traditional counter-depth models. At the same time, you’ll benefit from its advanced cooling technology, which will give you the cutting-edge performance you expect from today’s models.

For example, this refrigerator offers Smart Cooling Plus™ Technology, which will maintain the optimal temperatures and humidity needed for enhanced food freshness. The Slim SpacePlus^® Ice System also increases the shelf and door bin space, and the dual ice makers automatically create three types of ice: standard ice cubes, crushed ice and slow-melting round Craft Ice™ — so you can have plenty of ice on hand when you need it for entertaining large parties. You can even automatically increase its ice production with just a touch of the control panel, or through the LG ThinQ^® app on your smartphone.

You can feel confident in your choice, because LG is ranked the #1 appliance brand in the U.S.** Discover how to achieve the sleek style you’ll love for your kitchen while also getting the storage space you need from LG’s largest-capacity Zero Clearance™ refrigerator at LG.com.

*For optimal performance, LG recommends 0.16 inches (4 mm) clearance between the sides of the refrigerator and the wall.
**Source: #1 Appliance Brand in the US | Source: OpenBrand Quarterly Consumer Survey – Units & Dollars, Major Appliances (AHAM Core 6) Q2-Q3 2024

2025-01-10T09:31:00

(BPT) – Retirement is a journey, and every milestone counts: New Empower research shows that Americans across generations are making progress toward retirement, from building emergency funds to paying off debt. While each generation faces unique financial challenges, many share a strong sense of optimism about their financial futures.

Key takeaways

• Optimism prevails: 60% of Americans feel confident about reaching their financial goals, with Millennials leading at 63%.
• Money moves: Nearly half of Americans (47%) have successfully paid off their debts, 40% have achieved homeownership, 39% have established an emergency fund, and 32% have started securing retirement savings.
• Retirement reality check: Americans aim to retire at 62 but expect they may work until 70. Rising living costs (70%), insufficient savings (50%), inflation (48%), and unexpected financial emergencies (39%) are among the common factors contributing to adjusted timelines.
• Through the ages: Americans aim to purchase a home by 38, build an emergency fund by 40, pay off debt by 42, achieve financial independence by 46, and accumulate retirement funds by 47.
• Planning for success: Nearly half of Americans (49%) have a clear financial plan to meet their money goals.

Progressing toward financial goals

Unretired Americans are making headway on key financial goals, with nearly half (47%) having paid off debt and 40% achieving homeownership. Many are also building a financial cushion — 39% have established an emergency fund, while 32% have started securing retirement savings.

For those still working toward these milestones, optimism is high. Sixty percent believe they will reach their goals, with Millennials (63%) being the most confident. On average, Americans aim to accomplish their financial milestones at specific ages: purchasing a home by 38, building an emergency fund by 40, paying off debt by 42, achieving financial independence by 46, and securing retirement funds by 47.

Nearly half of Americans (49%) have a clear financial plan to meet these targets, including 49% of Millennials and 50% of Gen Z. Still, 32% recognize they need a structured plan, particularly among Gen X (37%).

Planning for retirement

Some 73% believe they’ll retire at the age they envision, although 27% still express concerns about timing. This sentiment varies slightly by generation, with Gen Z (28%) and Millennials (27%) most likely to feel this uncertainty, followed by Gen X (26%) and Baby Boomers (11%).

To bolster their retirement plans, most Americans (67%) are focusing on reducing or eliminating debt, and many (63%) are supplementing their income with multiple jobs. Among younger generations, 68% of Gen Zers have taken on side hustles to help save for retirement, while 24% of both Millennials and Gen Zers are considering job changes for higher salaries.

Almost half of Americans (48%) are confident they’ll maintain their current lifestyle in retirement, with Gen Z (51%) being the most optimistic. Setting realistic goals and making intentional financial decisions — like minimizing debt, pursuing additional income, and securing higher wages — can empower Americans to retire on their own terms and enjoy the lifestyle they envision.

Navigating retirement setbacks

Most Americans (54%) are on track to retire as planned, though some feel they have to delay an average of 6 to 8 years due to economic factors like rising living costs (70%), insufficient savings (50%), inflation (48%), and unexpected financial emergencies (39%). On average, Americans are targeting an average retirement age of 62 but anticipate they may work until around 70.

For those concerned about the potential impact of job instability, 49% are mindful of how an unexpected layoff might affect their retirement plans. This concern is shared across generations, with Gen X (52%), Millennials (48%), Gen Z (47%), and Baby Boomers (26%) reporting varying degrees of worry.

Building an emergency savings fund, regularly reviewing your retirement plan, and adjusting your budget as needed can help you stay on track. Seeking advice from a financial planner can also offer extra security and flexibility to navigate unexpected challenges.

Methodology

Empower commissioned a survey of 1,006 Americans in September 2024.

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2025-01-10T15:01:01

(BPT) – Eager to escape the cold and experience summer vibes this winter? Now is the time to visit one of the winter boat shows taking place across the country and start planning for warmer days ahead soaking up fun and relaxation on a boat.

Not only do boat shows create a unique shopping experience with hundreds of new models available at your fingertips, but these events also offer the hottest post-holiday deals around, with special pricing and incentives on boats and marine accessories — a major draw for the 85 million Americans who take to the water each year, according to the National Marine Manufacturers Association. Featuring hands-on nautical activities and educational opportunities for any age and experience level, boat shows also provide a taste of the boating lifestyle during the offseason.

Whether you want to spend more time outdoors with family and friends or are simply in the mood to escape the winter doldrums, Discover Boating, a one-stop destination for all things boating and ways to get on the water, offers five reasons to visit a boat show near you:

1. Get unbeatable deals on boats and gear.

Take advantage of once-a-year pricing and boat show deals as exhibitors generally offer special show pricing or other incentives. Interact face-to-face with dealers who can guide you to boats that fit your budget.

2. Compare and shop boat brands side-by-side.

Unlike auto shows, boat shows are the place to buy. Browse and board the most comprehensive selection of boats under one roof and purchase your dream boat right from the show floor. It’s the perfect time to order a new boat to ensure it arrives ready to launch in the spring. When shopping, always check to make sure the boat is NMMA Certified. NMMA Certified boats and trailers have been independently inspected to ensure they meet strict industry standards for safety and construction, as well as all federal regulations.

3. Make your virtual dream boat a reality.

Before visiting a boat show, research new boat models and brands based on your budget and lifestyle through Discover Boating’s Boat Finder tool, which can be found exclusively at any Discover Boating boat show. Boat Finder makes it easy to find your match online and then check it out in person at the show. To access the tool, visit your local Discover Boating boat show’s website and click on the Boat Finder button.

4. Learn the ropes.

Participate in onsite training and education with tips, tricks and DIY advice for first-time boaters and seasoned pros alike. Most boat shows offer interactive activities for the whole family from knot-tying and boating 101 seminars to remote-control docking ponds and more. Most shows also have charters, boat clubs, rentals and boat schools for show-goers to research ways to get on the water before buying.

5. An investment in health and wellness.

Research shows what many boaters already know — you experience psychological, emotional and behavioral health benefits when you are on a boat. Being on the water allows us to disconnect from distractions on land, triggering a restful state of mind and a sense of rejuvenation. Boat shows provide the best place to purchase your dream boat and cruise into relaxation.

Find a boat show near you by visiting DiscoverBoating.com, where you’ll also find a list of NMMA Certified boat manufacturers, a Safety Basics Video Series, Presented with Progressive^® Insurance, a boat loan calculator to estimate monthly payments, a dealer finder to connect with local boat dealerships, plus more interactive tools and resources to help you get started in boating.

2025-01-10T08:01:00

(BPT) – As we turn the page to a new year, many of us are writing our list of resolutions. While grand goals like “lose weight” or “eat healthier” often take center stage, these can quickly feel like a mountain too steep to climb, leaving many of us overwhelmed before we even begin. This year, it’s time to flip the script on those common lofty resolutions and, instead, prioritize small, purposeful changes that can offer real and tangible health benefits.

Dr. Vontrelle Roundtree, family practitioner and Associate Chief Medical Officer from MD Live by Evernorth, weighed in with six health resolutions for the new year, designed to be simple, actionable tips that can make a meaningful impact on your well-being.

1. Take your sick days seriously

We’ve all been there—pushing through work or errands despite feeling under the weather. However, ignoring your body’s signals can backfire, prolonging recovery and increasing the risk of health complications. In fact, studies have found that a lack of rest can affect how fast you recover when you get sick. So, in 2025, take the time to prioritize healing over hustle.

Doctor’s orders: “Resting when you’re ill helps your immune system work more effectively and reduces the spread of infections to colleagues or loved ones,” says Dr. Vontrelle Roundtree, Associate Chief Medical Officer for MD Live by Evernorth, a virtual care provider. “Taking sick days is essential to protecting your health and those around you.”

2. Schedule (and keep) your annual checkup

Your yearly checkup is a key part of preventive health, yet many people skip it unless they’re feeling sick. Routine exams can identify potential health problems early, leading to better outcomes in the long run.

Doctor’s orders: “An annual physical isn’t just a box to check,” explains Dr. Roundtree. “It’s an opportunity for your doctor to spot potential issues in your health, like rising blood pressure or early signs of chronic conditions, that might otherwise go unnoticed.”

3. Trust your ‘Ill-tuition’

Your body has a way of signaling when something’s off with your health — also known as your “ill-tuition” — but all too often people ignore those early signs and delay seeking care.

Doctor’s orders: “Many patients dismiss symptoms until they become unmanageable,” Dr. Roundtree explains. “However, delaying care can lead to a worsening of symptoms. Trusting your ill-tuition and acting on it early can make all the difference for a timely diagnosis and treatment.”

4. Make mental health non-negotiable

Mental health often takes a backseat to physical wellness, but the two are deeply interconnected. Research suggests that untreated mental health issues, such as anxiety or depression, can lead to physical symptoms like chronic fatigue, digestive problems, and even an increased risk of heart disease.

Doctor’s orders: “Unaddressed mental health issues can have a ripple effect on your overall well-being,” says Dr. Roundtree. “Simple practices like mindfulness, journaling, or regular therapy sessions can significantly improve your resilience and reduce stress levels.”

5. Expand your social circle
Loneliness doesn’t just take an emotional toll; it’s a documented health risk. According to recent studies, chronic loneliness can increase the risk of heart disease, stroke, and dementia, among other health concerns. A robust social network, on the other hand, can reduce stress, promote healthier behaviors and even increase lifespan.

Doctor’s orders: “Humans thrive on connection,” Dr. Roundtree expressed. “Joining a group, reconnecting with old friends, or simply scheduling regular social activities can provide a meaningful boost to your health.”

6. Learn your family’s medical history
Taking the time to understand your family’s health history can offer critical insights into your own health. These insights can help your doctor take proactive measures if necessary, such as earlier screenings for potential hereditary conditions.

Doctor’s orders: “Start the conversation at your next family gathering,” suggests Dr. Roundtree. “Knowing whether conditions like diabetes, heart disease, or certain cancers run in your family can help make a powerful difference for early detection and prevention.”

Prioritizing your health in 2025 doesn’t require a complete overhaul of your lifestyle. And, when you find yourself in need of care or other support from a healthcare provider, virtual care can make it easier and more convenient to get help. Many consumers already have access to virtual care services like MD Live by Evernorth through their health insurance. As your new health benefits take effect this year, check with your health insurance provider to see what virtual care services are available to support your 2025 health resolutions.