Category: Brandpoint Business & Finance

2025-03-31T07:01:00

(BPT) – The total national debt has surpassed $36 trillion, according to the U.S. Department of the Treasury. That number is so big, it’s hard to get your mind around it. How much is 36 trillion? One way to think of it: It’s the value of the economies of Germany, the United Kingdom, India, China and Japan, combined. Another way: If you stacked $36 trillion in hundred-dollar bills, that stack would be more than 24,000 miles high.

But what does this debt load mean for average Americans? How might it affect people’s lives? Here are five ways the debt can impact your life directly from the Bipartisan Policy Center.

What is national debt?

The national debt is the result of the federal government spending more than it takes in — and borrowing money to cover the gap. Historically, the country’s debt has grown during events when expanded government capacity is required, including wartime response, pandemics like COVID-19, or economic downturns like the Great Recession. But it has also grown because lawmakers have not restored fiscal balance when the economy is strong. And similar to our own individual credit card balances, as the national debt grows, so does the cost of that borrowing through higher interest payments. Today, the interest alone on the debt costs taxpayers $3 billion per day.

What does it matter to the average person? Here are five ways national debt can impact your daily life.

1. Housing

Rising national debt may impact your ability to afford a home mortgage. How? As the cost of borrowing rises for the federal government, mortgage rates may remain elevated as well. Also impacted: the costs of homebuilding, including supplies and materials. So, the growing national debt means it might cost people more to get a mortgage for an existing home or the financing to build a new one.

2. Health care

The U.S. spends more on health care than anything else, according to the Centers for Medicare and Medicaid Services (CMS). Between 2023 and 2032, the CMS projects costs to rise from $4.8 trillion to $7.7 trillion, due to an aging population, rising prices for drugs and other health services, advances in costly medical treatments, and more. Right now, the CMS reports health care spending is 17.6% of the country’s economic output, or gross domestic product (GDP) in 2023. It is projected to reach 20% by 2032, outpacing the growth in the economy.

A growing national debt may require tough choices. It may undermine government investment in public health services and infrastructure, research and development for treatments, infectious disease response and private health insurance options for workers.

3. Child care

The growing national debt may exacerbate inflation, which could affect government funding of child care providers, the value of tax incentives that support caregivers and childcare providers and other government-funded supports to help people pay for childcare.

Working parents know that access to affordable childcare directly affects their ability to work, so when affordable childcare is weakened, so is a parent’s ability to make a living.

4. National security

In 2024, the Council on Foreign Relations reported the federal government spent more on interest payments to service the national debt than it did to support the entirety of the U.S. national defense system.

The national debt has been singled out by lawmakers as the “greatest threat” to national security. As the largest category of discretionary spending, national defense is especially exposed to budget pressures, creating tensions between its ability to meet challenges in a fast-changing security landscape and the need to cut costs.

5. U.S. economic leadership

The U.S. dollar’s power and standing in global finance and trade is underpinned by high faith in U.S. creditworthiness. As the national debt grows, that confidence can be shaken. It could have an impact on the U.S. credit rating and the dollar’s strength, undermining global economic competitiveness. What does that mean for you? Things like imported goods could get more expensive, and the dollar may not go as far when you’re traveling.

To read more about how the national debt impacts you, visit https://bipartisanpolicy.org/fiscal/.

The Bipartisan Policy Center and its advocacy affiliate, Bipartisan Policy Center Action (BPC Action), are unique in their approach to addressing the nation’s most pressing issues. As the only organization working across the full political spectrum on domestic issues, BPC brings together diverse perspectives to craft data-driven, pragmatic policy solutions. BPC Action then works directly with legislators and other policymakers to turn those solutions into real change.

2025-03-28T06:01:00

(BPT) – Imposter scams are at an all-time high. These scammers may call, text or email an individual to convince them that the caller is someone in authority to commit identity theft, get people to send money or share personal information. Here are do’s and don’ts to best protect yourself.

2025-03-26T07:01:00

(BPT) – Retirement is a major transition in your life. While it can be an exciting chapter you may have long looked forward to, the key to making the most of your retirement is proper planning.

From finances to health care, here are the top six things you need to consider before making the leap.

1. Estimate your retirement budget

To help you feel more secure heading into retirement, it’s helpful to calculate your expected income from Social Security, pensions, plus any investments and savings you may have. Then you’ll need to estimate what your expenses may look like, including not only basic living costs like food, housing and insurance, but also any extras you may anticipate, like increased health care needs or travel. Consider inflation and rising health care costs in your calculations, so that you won’t underestimate how much you’ll need.

You can find a variety of helpful online tools such as retirement calculators at the Social Security website and wherever you have investments or a 401(k) plan.

2. Understand your health care options

It’s a good idea to educate yourself on what Medicare does and does not cover before you are ready to retire. For example, many retirees are surprised to learn that Medicare does not cover things like routine vision care or hearing aids.

3. Don’t overlook vision care

Because Medicare does not cover routine eye exams, you’ll want to be sure you have coverage for this vital aspect of your overall health, whether or not you currently wear corrective lenses. Securing an affordable vision plan like a VSP^® Individual Vision Plan now ensures that you’ll have continued access to crucial annual eye exams and eyewear, helping you save money in retirement. VSP’s affordable, same-day coverage ensures that retirees can maintain clear vision and eye health without unexpected expenses.

The best thing is, you can purchase a vision insurance plan with VSP at any time, with no need to wait for open enrollment or waiting periods. You can save up to $350 annually with affordable VSP Individual Vision Plans that you can customize and buy on your own. With a VSP vision insurance plan, you simply visit an eye doctor in the VSP network and you’ll see 20% savings on additional glasses or sunglasses, including lens enhancements, by visiting a doctor in the VSP network within 12 months of your last exam. VSP members also have access to over $3,000 in savings with Exclusive Member Extras.

Visit VSPDirect.com to find the best vision plan for you. You’ll be able to compare insurance plans and find the one that best meets your needs.

4. Consider downsizing or relocating

If you’re open to the idea of downsizing or moving, relocating to a smaller home or a maintenance-free condo — especially in a tax-friendly or lower-cost area — can really help to stretch your retirement savings, while offering better amenities and less worry. This kind of move can help you maintain the lifestyle you want through retirement while also reducing your costs.

5. Plan for hobbies and social engagement

Happiness during retirement isn’t just about money — it’s also about how you spend your time. Make sure to include activities you love that will keep you socially, physically and mentally active in your retirement planning. You can find fun, friendship and fulfillment by engaging in volunteering, travel or learning a new skill.

6. Protect your legacy

To give you and your family better peace of mind, ensure that your will, power of attorney and insurance policies are all up to date. Organizing your paperwork and sharing your wishes clearly with your family can also help prevent unnecessary stress for your loved ones down the road.

Financial security is just one piece of your overall retirement planning. Making proactive health care choices, including crucial elements like your vision care, can help you stay more active and independent for years to come.

2025-03-25T08:01:00

(BPT) – To keep the economy moving, people need to keep moving. Public transit helps economies grow by providing access to businesses where people purchase goods, boosting home values and creating jobs. By getting people to work or school, shopping, entertainment and more, public transportation provides a critical lifeline, supporting self-sufficiency so people can contribute to a strong, healthy community. According to the American Public Transportation Association, 77 cents of every dollar invested in public transportation goes to the private sector.

Investment in transit also means investing in goods and services needed to run systems and keep roads clear — which benefits everyone. When transportation is cut to lower costs, ridership decreases, so those who need it most may experience less reliable service, creating a downward spiral.

The solution: Public-private partnerships

Contracting with the private sector helps public funds go further. Private contractors help maximize budgets, using their expertise to improve service and innovate through efficiencies and best practices. Using the resources of private-sector partners, public transportation systems can keep service levels high within existing budgets.

“As communities across North America face evolving transportation needs, public-private partnerships help build resilient transit systems,” said Laura Hendricks, board chair of the North American Transit Alliance (NATA), an alliance of private-sector companies operating transit systems throughout the U.S. and Canada. “Private contracting offers a strategic approach to maximizing budgets and service, modernizing public transportation for everyone’s benefit.”

Partnerships solve problems

For example, in Nassau County, New York, one private transportation company helps ensure smooth operations, FTA compliance, customer service and more for its local transit system. This partnership has resulted in streamlined service and innovations including a contactless fare payment system, new passenger mobile applications and microtransit service — saving over $350 million.

According to studies from the Eno Center for Transportation and International Association of Public Transport, private contracting demonstrates many benefits:

• Cost efficiency — Private contractors bring extensive experience in managing operational costs through economies of scale, streamlined processes and innovative practices.
• Quality — Private operators are held to rigorous performance standards through structured contracts, ensuring high-quality service.
• Expertise — The private sector’s knowledge spans operations, maintenance, safety and workforce development to help public transit agencies address complex challenges.
• Flexibility — Private contracting provides flexibility to scale services up or down for changing demand.
• Economic development — Private transit operators contribute to local economies by creating jobs to benefit the community.

Learn more about these innovative partnerships at NATransitAlliance.org.

2025-03-23T23:01:00

(BPT) – The latest release of the Nation’s Report Card (also referred to as the National Assessment of Educational Progress or NAEP) include extremely concerning results. According to the report card for grades 4 and 8, there was no measurable change in mathematics scores in all locales compared to 2022. This data highlights significant ongoing challenges in student math achievement — challenges that must be addressed by states, districts and schools to prepare students for workforce demands of tomorrow.

“NAEP scores are a clear reflection of the challenges our education system is facing, with widening gaps between high-performing and low-performing students. The most vulnerable students are falling further behind, and this trend cannot continue,” said Dr. Julia Rafal-Baer, board member of the National Assessment Governing Board.

How students score in mathematics is not only crucial for fields related to math, but for their overall success; recent research shows math scores are closely tied to salary at age 30, regardless of a student’s background.

“Business and industry leaders across our region, and the nation, are seeking applicants with strong math, reasoning and data analysis skills,” said Jack McDougle, president and CEO, Greater Washington Board of Trade. “Both a child’s potential for success and the future health of our workforce are dependent on equipping students with the skills that math helps form and strengthen.”

Call to action

The NAEP results have spurred the Collaborative for Student Success, a non-profit organization dedicated to informing and amplifying policies making a difference for students and families, to take immediate action.

“Every time our nation is faced with low results on the NAEP exam, we express shock and dismay at the state of math education in our country,” said Jim Cowen, Executive Director of the Collaborative for Student Success. “But 48 hours later, the headlines fade, and little changes. This time must be different. Let’s commit to concrete action to improve math achievement for all students.”

Their call to action is joined by 28 organizations representing educators, business leaders and parents who are united in urging state and district leaders to implement policies that will improve math achievement for all students.

The importance of accurate assessments

Assessments like the Nation’s Report Card provide useful data for schools and district leaders to understand where students stand on their path to success.

Advocates express concern that current changes in the U.S. Department of Education create the possibility of states no longer being held accountable to track and report on student progress through assessments. Bipartisan solutions are available to policymakers that help ensure all kids — especially those from under-resourced communities — have access to a high-quality math education.

Strategies for improving math education in the schools

The organizations are recommending six key strategies, backed by research and practice:

1. Expand access to high-quality instructional materials aligned to rigorous standards.

2. Provide educators with high-quality professional learning focused on effectively using instructional materials in the classroom.

3. Increase instructional time by extending learning opportunities before, during and after the school day.

4. Automatically enroll students into advanced math courses based on objective assessment results or other data.

5. Hold teacher preparation programs accountable for equipping teachers with the skills and content needed to succeed in math instruction.

6. Leverage math coaches at the school or district level to work closely with teachers to improve classroom practice and, ultimately, student math achievement.

“We also call upon local leaders to directly connect the math needs of our students to the workforce necessities of our communities,” added Cowen. “There’s no question that the more students that have a strong math education, the stronger our workforce will be.”

Progress is possible — and already happening

The good news is many states across the country are proving that progress is within reach:

• Rhode Island and Mississippi have taken concrete steps to increase access to high-quality instructional materials in math.
• Texas, Washington and North Carolina have implemented automatic enrollment policies to ensure students are not overlooked for advanced math coursework.
• Arkansas and Massachusetts have strengthened teacher preparation programs, requiring higher standards for math instruction.
• Alabama and Colorado are offering programs and resources empowering teachers to improve instruction and extend learning beyond the classroom.

These success stories demonstrate that bipartisan action can yield real results. Now is the time for every state and district to follow their lead.

“The NAEP results are concerning — but we cannot let them be the final word. Instead, they should be the starting point for collective action,” said Cowen. “Together, we can ensure every student has the opportunity to excel in math. It’s time to move past the data and ensure that our collective actions speak louder than these numbers.”

Learn more at EduProgress.org/math.

2025-03-17T07:01:00

(BPT) – Tax season is more than just a deadline. It’s an opportunity to take control of your finances and plan for the future.

Your refund can be a powerful tool to build and strengthen your financial foundation. However, your results will depend on how you spend that refund. It’s important to set clear goals and implement strategies to set yourself up for success.

CreditOne Bank — one of the fastest-growing credit card issuers in the U.S. — is here to help. Check out its five expert tips that can help you make smart financial choices and feel confident about managing your refunds wisely.

1. Cover the essentials

Before using your refund on anything else, look at your essential expenses. For example, if you’re worried about paying for groceries, utilities or other fixed expenses, these bills should be your top priority.

For everyday purchases, consider using a rewards credit card and then using your refund to pay off the balance immediately. A card like the Credit One Bank Platinum X5 Visa helps you earn cashback on purchases — allowing you to maximize your money while staying on top of your bills.

2. Pay down debt

Using your refund to reduce debt is one of the smartest financial moves you can make. Paying off outstanding credit card balances can save you money on interest and even boost your credit score. If you have a mortgage or student loans, consider making an extra payment to lower your principal balance and reduce future interest cost.

3. Plan for big expenses

Have you been putting off a major expense because of the cost? Your refund can help you cover necessary purchases — like home or car repairs — before they turn into even pricier problems. Taking care of this major expense now may help you prevent even more expensive repairs in the future. Just like your everyday expenses, using a rewards credit card and paying it off with your refund will allow you to afford the repairs and save. So, when you use it to pay for your car repair, you can earn cashback to spend in the future or points you can use to fund little luxuries.

4. Grow your savings

A financial cushion can help you handle unexpected expenses without relying on credit. Consider putting part of your refund into an emergency fund so you’re prepared for the unexpected.

Pro tip: Keep this savings in a separate account from your regular checking and savings to avoid the temptation of dipping into it for everyday spending.

5. Treat yourself

After taking care of your financial priorities, it’s okay to set aside a small portion of your refund for something fun! Whether it’s a new outfit, a spa day or a weekend getaway, rewarding yourself can reinforce the benefits of making smart financial choices.

Invest in your financial well-being. You’re worth it.

Whether you’re paying down debt, covering essentials or building your savings, a well-thought-out plan can make a big difference. By following these five tips, you can use your tax refund to boost your financial health and set yourself up for success.

2025-03-14T07:01:00

(BPT) – Strong professional skills, like public speaking, writing and management, may go a long way in helping you advance in your career and remain competitive in the workplace. While developing these skills is beneficial, knowing where to begin can feel overwhelming. One place to start is by reviewing the job description for the position you want. What skills are required to be successful? In what areas would you like to build confidence? If you are unsure about the answers to these questions, you can seek the guidance of an HR professional or manager at your organization.

Once you identify the skills you’d like to develop, seek out approachable, flexible and affordable ways to gain foundational professional skills online. One option is Sophia, which offers access to college-level courses for a low monthly subscription cost. As a bonus, Sophia partners with over 80 colleges and universities who have agreed to accept Sophia courses for credit. Sophia courses can also be submitted for review to non-partner institutions for potential credit.

Here are three ways to boost your professional skills through flexible online courses:

1. Develop your business acumen

Business classes can benefit professionals across a variety of fields. From strengthening your communication and leadership skills to sharpening your strategic thinking and financial literacy, business courses can help you develop the skills that may make you more appealing to potential employers. Business courses are also offered in a variety of formats, spanning subjects like finance, writing, accounting, marketing and more, providing plenty of options to choose a lane relevant to your career.

2. Hone your public speaking skills

Improving your public speaking skills can prove useful both on the job and in your day-to-day activities. By knowing how to articulate your thoughts in a way that is effective and compelling, you can be better equipped to inform, inspire and persuade in both your personal and professional life. Classes like Sophia’s public speaking course offer a relaxed atmosphere to practice these skills so that when it’s time for your next presentation or speech, you’ll be well-prepared to tackle the challenge at hand.

3. Master project management

Every great project starts with effective management, no matter the industry. With strong project management skills, you can gain the tools to improve your organizational skills and build strong teams. A great project manager also enhances an organization’s ability to increase efficiency and productivity, potentially opening new opportunities for you to grow in your career.

Online courses can provide a flexible and affordable way to develop your business acumen, improve your public speaking skills and enhance your ability to project manage through flexible, on-demand formats.

Interested in boosting your professional skills in 2025? Explore options with Sophia.

2025-03-11T10:01:00

(BPT) – High-quality carbon projects, funded by verified carbon credits, are an effective way to help reduce emissions, support local communities and make an impact for the planet and its people. Unfortunately, not all carbon projects are created equally. From questions about the overall efficacy of projects to uncertainty about project financials and doubts about the additional benefits they provide, it can be tough to cut through the noise and find a project you can trust.

Here are five simple questions you can ask before supporting a carbon project that will ensure you’re selecting one with real impact.

Is the project based on sound science and does it actively reduce emissions?

This one may seem obvious, but verifying that a project is actually achieving its stated emissions goals is a crucial component of ensuring the project is a high-quality one. If a project doesn’t embrace transparency and isn’t willing to share all relevant internal data with you, that’s a big red flag.

High-quality carbon projects should have nothing to hide — for instance, from the years 2020 to 2024, the Cool Effect team retired 7,677,832 tonnes of carbon, and each of those individual tonnes can be tracked, traced, confirmed and verified to have occurred.

Are the emissions reductions additional?

Additionality is the concept that without income from carbon credits the project itself could not exist — meaning that a project is additional only if:

• it is not already legally required to do what it is doing
• it is not profitable without revenue from carbon credits
• there are barriers that prevent its implementation regardless of profitability
• it does not employ technologies that are already in common use

Cool Effect projects protected roughly 2,226,936 hectares of land from 2020 to 2024, prioritizing additionality by incentivizing the protection of vulnerable land, securing biodiversity and carbon sequestration benefits that would otherwise not have occurred.

Does the project provide benefits to local communities where they are based?

Any high-quality carbon project doesn’t just make an impact on the planet, it makes an impact for its people as well. The financial impact and benefits of reducing emissions is easy to calculate — in America alone, for every one dollar spent on programs to reduce emissions, its citizens receive nine dollars of benefits to public health and the environment.

An Imperial College University study also showed that for every tonne of CO2 emissions removed from the atmosphere through a carbon credit project, a value of $664 is delivered in economic, social and environmental benefits for local communities where those projects are based.

For example, in just five short years, Cool Effect sent $66,152,974 to carbon projects around the world, which helped 43 communities in Mexico gain financial support and job security through sustainable forestry initiatives. During that same time, just some of those funds helped install over 90,000 clean burning cookstoves in Honduras, reducing household air pollution in homes by 47%, providing 250 new jobs for local communities, and directly impacting the lives of over 350,000 people.

High-quality carbon credits can provide real, tangible benefits for the communities where they’re based — just make sure the ones you select are making an impact for more than emissions.

Has the project issued credits from a major carbon standard?

A carbon standard is essentially a set of rules and guidelines that establish quality control for carbon offset projects. There are close to 10,000 active carbon projects in the world today, but only about 7,500 are registered with a recognized carbon standard like Verra, VCS, Gold Standard and the Climate Action Reserve — and even fewer of those meet the standards for high-quality carbon offsets. Adhering to a standard is a good first step, but it doesn’t guarantee the projects will be high quality — throughout its history, Cool Effect’s team has reviewed over 5,000 carbon projects and even then only about 1% of those passed their verification process.

Is the project pricing transparent?

It’s not enough that a carbon project lays bare its scientific and operational methodologies; its finances need to be an open book as well. To encourage radical transparency in the world of carbon, Cool Effect introduced The Seller’s Pledge, a legal commitment to pricing transparency made to any buyer of carbon credits from its platform. Over 90% of every donation goes directly to project partners, and there are never any hidden fees. The only fee Cool Effect places on any donation is a 9.87% fee which is disclosed to both the buyer and the project developer.

When using carbon credits to make an impact for the planet and its people, don’t just choose a carbon project — choose a Carbon Done Correctly project. Look for projects that incorporate trusted science, transparent financials, tangible co-benefits and verified impact.

Through the recent release of a landmark Impact Report, Cool Effect demonstrates how its transparent pricing policy has mobilized substantial capital to support high-quality projects that execute urgently needed climate mitigation. Download the Impact Report at cooleffect.org/impact to see the real impact that carbon can make on the planet and its people.

2025-03-10T07:01:00

(BPT) – As flowers bloom and the days grow longer, it’s the perfect time for a little spring cleaning — not just for your home, but for your financial security too! Last year, consumers worldwide lost a staggering $1 trillion to all types of scams. Just as you declutter and refresh your space, take this opportunity during Fraud Prevention Month to dust off your fraud awareness and fortify your financial safeguards with tips from Cecilie Fjellhøy and Mastercard.

“A scam can potentially leave you in a challenging financial position and feeling personally ashamed. As someone who became a victim, I want others to be alert and aware of the tactics fraudsters use to deceive others,” said Fjellhøy, advocate and whistleblower in the Netflix documentary ‘The Tinder Swindler.’ “This Fraud Prevention Month, I am partnering with Mastercard to help empower people with tips to better identify fraud before it happens.”

Too good to be true? It probably is! If an offer seems unbelievable or over-the-top, it may be a scam. Fraudsters might dangle promises of guaranteed wealth or pretend to be a friend or loved one in urgent need. Consider whether a message could really be true and verify its legitimacy.

Don’t get swept up in pressure tactics: Scammers thrive on panic, pushing fake emergencies or “limited-time” deals to make you act fast. Pause, take a breath and consult a trusted source before making any decisions. Be wary of urgent requests for money — especially if they involve gift cards, wire transfers or cryptocurrency. If you haven’t met in person, or if you are not sure, don’t send funds!

Turn on transaction alerts to get notified of unusual activity. Regularly review financial statements and report anything unfamiliar. Identity thieves may open fraudulent accounts in your name. Credit monitoring services help flag suspicious activity early so you can take action before damage spreads.

Report it, don’t ignore it: If you spot a scam, act quickly. Contact your bank to lock down your accounts, file a police report, and report fraud to agencies like the FTC or your local authorities. If unauthorized payments pop up, request a freeze or reversal ASAP. Many banks can stop fraudulent transfers if caught in time.

Zero Liability has your back: Financial institutions that issue Mastercard cards won’t hold consumers responsible for “unauthorized transactions,” provided they are promptly reported, and the cardholder used reasonable care in protecting the card from loss or theft. As a Mastercard cardholder, Zero Liability applies to your purchases made in the store, over the telephone, online or via a mobile device, and ATM transactions. With protections like that, paying with your card brings more peace of mind than paying with cash or check.

“Fraud prevention has come a long way since I met my scammer, but it is still important to learn the red flags, trust your gut and stay vigilant,” said Fjellhøy. “Whether paying online, in stores, in apps or using a device, Mastercard provides valuable security benefits to help keep cardholders protected. That peace of mind is invaluable.”

Whether you’re sipping iced tea in the sun while hunting for deals online or exploring local markets in a new city, these tips will help keep you safe. So, embrace the season, stay scam smart, and with cyber smarts, enjoy your spring shopping!

2025-03-05T07:01:00

(BPT) – Have you ever thought about all the ways food brings people together? The theme of this year’s National Nutrition Month^®, “Food Connects Us,” created by the Academy of Nutrition and Dietetics, encourages individuals to explore the importance of making informed food choices while developing healthy eating and physical activity habits.

Sharing meals brings people together in ways that hold deep cultural and social meaning across communities worldwide, providing opportunities to learn about food preparation, the origins of ingredients, and the history behind the people who create the dishes. Health, memories, traditions, seasons and access all play a role in shaping people’s relationships with food and sharing meals can enhance social connections and strengthen community bonds. While all these factors influence the foods you eat, that food in turn also affects your health.

Herbalife is fully embracing National Nutrition Month^®, with its nutritionists and scientists highlighting how food connects people to their cultures, families and communities — both their own and others. As a global health and wellness company present in over 90 countries and known for its science-based nutrition products, Herbalife has built a worldwide network of distributors, many of whom operate independent nutrition clubs, to encourage learning about healthier lifestyle habits.

Registered Dietitian Nutritionists (RDNs) and Nutrition and Dietetics Technicians, Registered (NDTRs) such as those at Herbalife, all play a critical role in helping people understand the connection between the foods individuals and communities eat, and how these foods impact everyone’s health throughout their lives.

Here are tips from the experts at Herbalife for improving your health during this National Nutrition Month^® and beyond.

1. Make time to learn

Experts like the registered dietitians who make up the Dietetic Advisory Board and members of the Nutrition Advisory Board at Herbalife dedicate significant time in educating their distributors and their customers to help them achieve the nutrition they need for a healthier lifestyle. Learning how to read and understand nutrition labels is one crucial step, along with understanding the importance of eating nutrient-dense foods — ingredients containing many essential vitamins, minerals and other nutrients you need, without a lot of empty calories that are devoid of nutritional value.

To help you get started, there are plenty of online resources on nutrition, such as Herbalife.com, where you can find tips for shopping and meal planning. Focusing on ways to prepare well-balanced meals, rather than opting for the quickest and easiest snacks, is key to fostering better health and well-being for you and your family.

2. Find community and connection

How you cook and eat together with family, friends and your community can impact your health and wellness goals. Activities like shopping, cooking together and having children spend time with you in the kitchen can help your whole family build healthier habits. Your children will learn from your example as you prioritize choosing quality ingredients and prepare them with care to make healthful meals.

You can also enhance that sense of connection by sharing meals with extended family, friends and other community members. Becoming an Herbalife distributor or joining one of their nutrition clubs are ways to engage with your community and continue to learn and grow.

3. Practice mindful eating

Pay attention to the origins of your food, as well as how you consume them. Learning where ingredients come from and how they are best prepared can enhance your appreciation for meals and encourage healthier habits.

Increase mindfulness by turning meals into special occasions where distractions (like phones) are set aside. Spend time enjoying the food and each other’s company as you share the meal together. Slow down to appreciate each bite of food so you can not only savor the flavors and the social occasion but help decrease everyone’s tendency to overeat.

4. Prioritize nutrition

Focus on creating well-balanced meals that include a variety of nutrients. Even when you do your best, statistics show that the American diet does not always provide the proper amount of some key nutrients that are needed for the body to function optimally. It’s all too easy to lean on convenience over substance, which can have a negative impact on long-term health. Herbalife products can help supplement your diet with essential nutrients, ensuring you get the nutrition you need.

5. Stay active together

Combine more nutrition-focused eating with physical activity with family or friends to create a healthier lifestyle for everyone. Herbalife encourages incorporating exercise into your daily routine, through group activities at nutrition clubs, personal workouts and/or family outdoor activities. You can start with simple family walks or bike rides before or after dinner.

“Herbalife is more than just a provider of nutrition products — it’s a trusted community that helps millions of people around the world achieve their health and wellness goals every day,” said Susan Bowerman, M.S., R.D., CSSD, CSOWM, FAND and senior director, Worldwide Nutrition Education and Training at Herbalife. “We focus on creating lasting behavioral changes that enhance overall health and quality of life. Herbalife’s commitment extends beyond products, with our networks of independent distributors offering coaching and motivation to help customers reach their goals.”

Explore healthy living habits, nutrition tips and how to participate in a community focused on wellness at Herbalife.com.