Category: Brandpoint Business & Finance

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.

2025-02-19T10:01:00

(BPT) – By Ned Monroe

PVC pipe has played a key role in water conveyance around the world for more than 70 years. As U.S. municipalities face aging infrastructures and ensuing, costly water loss, PVC is providing a reliable choice to supply their communities with clean, safe drinking water.

Competing pipe materials may try to make you believe PVC isn’t a good option. But the facts don’t lie: Decades of proven performance and testing demonstrate the long-term safety, reliability, and sustainability that PVC pipes ensure for water utilities serving communities around the country.

1. PVC Pipes Are Safe

PVC pipes comply with the rigorous NSF International standard, NSF/ANSI 61: Drinking Water System Components – Health Effects. NSF International uses exhaustive testing methods to establish independent standards to ensure the safety of clean drinking water — standards all drinking water pipe materials, including PVC, must adhere to. The standard is routinely monitored and updated by a joint committee comprised of public health experts, end users, and industry members. Manufacturer certification of PVC pipe to NSF/ANSI 61 means that it is safe for use in drinking water piping applications.

2. PVC Pipes Are Built to Last

Communities across the U.S. lose billions of gallons of water a day to aging infrastructure. The good news is that many municipalities are solving these problems by installing durable, reliable PVC pipe.

Testing of in-service water systems from around the world shows that PVC pipes have a service life in excess of 100 years. In fact, a 2023 report on water main breaks in the U.S. and Canada by Utah State University found that PVC pipe has the lowest overall failure rate compared to three other commonly used piping materials.

3. PVC Pipes Save Taxpayers Money

Together, communities across the U.S. lose an estimated 6 billion gallons of treated water a day to aging infrastructure, according to a 2021 report by the American Society of Civil Engineers.

America faces a massive aging metal infrastructure problem, but PVC pipe is a durable solution. In addition, it takes up to 54% more energy to pump water through an 8-inch ductile iron pipe than it does through an 8-inch PVC pipe during the life of the system, because PVC’s surface remains smooth throughout. Sixty-eight percent of water supply pipes in the U.S. are 8 inches or smaller; over the life expectancy of the system, using PVC rather than ductile iron pipe in this size range could reduce the nation’s pumping costs by $21 billion.

4. PVC Pipes Are Climate Friendly

A life cycle assessment carried out by Sustainable Solutions Corporation revealed that from a life cycle and carbon footprint perspective, PVC has lower environmental impacts — lower embodied energy, lower use-phase energy, and longer life attributes — compared to materials like iron, cement, and clay. When considering the impacts throughout the product life cycle, PVC pipes require much less energy to manufacture and transport, and they can operate for more than a century and need fewer replacements over their lifetime.

PVC Is the Ideal Choice

With decades of proven performance, reliable safety, and tremendous cost-saving opportunities, PVC pipes have become a go-to option for water utilities around the U.S. When the time comes to replace aging infrastructure, there’s simply no smarter option than PVC.

To learn more about the research and citations behind these findings and to get involved, visit www.vinylinfo.org/uses/pvc-pipe-report.

Ned Monroe is CEO of the Vinyl Institute.

2025-01-21T09:01:00

(BPT) – The heating, ventilation and air conditioning (HVAC) industry is undergoing a significant transformation, shifting towards AI-driven solutions, clean technology and highly-efficient systems tailored to diverse regional needs. Embracing this shift, LG Electronics (LG) is leveraging its outstanding core technologies, AI and intimate knowledge of different industries to deliver HVAC solutions for a smarter, more efficient future.

LG’s dynamic HVAC business continues to expand its market presence and capabilities, investing heavily in R&D to develop innovative technologies for a new generation of eco-responsible temperature control and air quality systems. Over the past three years, it has achieved double-digit annual sales growth, making it one of LG’s fastest-growing concerns and an important driver of the company’s substantial and ongoing success in the B2B sector.

LG offers a comprehensive lineup of HVAC solutions optimized for a wide range of spaces, including residential, public, commercial and industrial. Its portfolio features large-capacity chillers — which are rapidly becoming the preferred choice for AI data centers where advanced and reliable heat management is essential — as well as an array of commercial and residential air conditioning systems. Utilizing cutting-edge technologies such as high-efficiency heat pumps, LG’s HVAC products provide outstanding cooling and heating performance and are widely acknowledged as effective electrification solutions suitable for replacing traditional fossil-fuel-driven systems.

In recognition of its efforts to lessen the environmental impacts of its HVAC solutions, LG has been named the “Most Sustainable Brand” in the HVAC category by Green Builder Media, a respected North American media outlet focusing on eco-friendly construction. In the U.S. and other countries, the company has created “locally self-sufficient operation systems” that encompass all key HVAC business functions — from R&D to maintenance and repair — and are tailored to local needs.

LG is also strongly committed to delivering dependable, energy-efficient heat pump solutions for regions affected by unrelentingly low temperatures. To this end, the company has established a global consortium focused on R&D for cold-climate heat pumps with bases currently operating in Alaska (U.S.), Oslo (Norway) and Harbin (China) — all places that endure frigid winter conditions.

Last September, LG hosted the first-ever meeting of the Global Heat Pump Consortium in Seoul, South Korea, where LG’s HVAC experts and academic partners gathered to discuss the collaborative projects being undertaken by each of the consortium’s regional clusters. In addition to the consortium’s R&D labs, LG operates five Air Solution Research Centers (with locations in South Korea, North America, Europe and India) and runs a total of 62 HVAC academics across 43 countries. These academies, which train over 30,000 engineers annually, are helping to support the global adoption of the company’s advanced HVAC technologies.

LG’s competitive edge in HVAC is driven by its unmatched “Core-Tech” capabilities. By developing essential components like compressors and motors in-house, LG strives to ensure that all of its products deliver the first-class reliability and efficiency that its customers have come to expect. Its oil-free centrifugal chillers incorporate LG-designed magnetic bearings, impellers, compressors and heat exchangers. These chillers also leverage LG’s highly evolved AI Engine to enable predictive control and to ensure outstanding stability and performance. LG’s AI Engine even provides intelligent surge prevention, a feature that is critical for data centers, where any interruption in operation can potentially mean inconvenience for millions.

With a solid foundation of R&D, a proven track record of innovation and a commitment to sustainability-focused design and management, LG continues to reinforce its reputation as the global leader in HVAC. From pioneering a new generation of data center cooling solutions to advancing high-efficiency heat pump technologies for harsh climates, the company is doing all that it can to help usher in a smarter, more efficient future.

By James Lee, President of LG Electronics ES Company

2025-01-16T08:01:00

(BPT) – A new year is a great opportunity to develop better habits and improve your health and wellness. Perhaps that involves revamping your workout routine or investing in a skincare regimen. As you start to think about the new year, make sure to include a comprehensive eye exam at the top of your list.

A normal part of aging

Just like the rest of your body, your eyes change as you age, and you may find it harder to see. You’re not alone. According to the World Health Organization (WHO), more than two billion people around the world suffer from visual impairment, a number expected to double by 2030.¹

While these numbers may be concerning, take heart. Many vision conditions are treatable. A step you can take today to assess and preserve your vision — as well as your health — is to schedule a comprehensive eye exam.

Your eyes are windows into your overall health and wellness

An eye care professional can do much more than assess your vision. Your eyes can actually reveal many details about your overall health and wellness.

A comprehensive eye exam can help detect over 270 different medical conditions, from diabetes to heart disease.² Despite its importance, many adults over 40 around the globe tend to prioritize staying active, maintaining a healthy diet or skincare over regular eye exams in their journey to aging well.

“Not only can an eye exam assess the health of your eye,” said Dr. Christi Closson, Associate Director of Professional Education, Vision, Johnson & Johnson, “it can do so much more, such as providing insight into your overall health and well-being as you age.² It is critical for everyone to stay on top of their vision and eye health, and make time for an annual comprehensive eye exam.”

Presbyopia and cataracts: Common age-related vision conditions

If you’re over 40, it’s critical that you’re aware of common vision conditions and their symptoms.

Presbyopia — another name for age-related farsightedness — describes a person’s decreased ability to see nearby objects, especially in low light.⁴ For example, you may notice that it’s become more difficult to read texts on your phone, so you hold it at arm’s length.

“As you age, the lens inside your eye becomes more rigid, making it difficult for your eyes to focus on text or objects that are up close,” said Dr. Closson. “However, presbyopia happens to everyone and is easily treatable. In fact, there are multifocal contact lenses designed to help with this vision impairment without invasive interventions.”

Another condition to be aware of as you age (especially if you’re over 60) is cataracts. A physical sign of cataracts is clouding in the eye that makes it hard to see. However, you may also notice that lamps, sunlight and headlights seem too bright or that colors look faded.⁵ If left untreated, cataracts can lead to blindness.

Modern technological advancement has made cataract treatment a minimally invasive out-patient procedure that typically takes 15 to 30 minutes to complete, depending on the severity of the condition. Cataract treatment* can also improve other eye conditions like nearsightedness, farsightedness and astigmatism.⁶

See clearly now and beyond

If you want to live your best while feeling your best at every age, it’s time to get serious about your eye health. To find an eye doctor near you and schedule a comprehensive eye exam, visit ClearVisionForYou.com/Find-A-Doctor.

References

1. World Health Organization. Increasing eye care interventions to address vision impairment. Available at: https://www.who.int/publications/m/item/increasing-eye-care-interventions-to-address-vision-impairment#:~:text=Globally%2C%20at%20least%202.2%20billion,%2Dincome%20countries%20(LMICs).

2. American Optometric Association. See the Full Picture of Your Health with an Annual Comprehensive Eye Exam. Available at: https://www.aoa.org/healthy-eyes/caring-for-your-eyes/full-picture-of-eye-health?sso=y.

3. Mayo Clinic at: https://www.mayoclinic.org/diseases-conditions/presbyopia/symptoms-causes/syc-20363328

4. National Eye Institute. Cataracts. Available at: https://www.nei.nih.gov/learn-about-eye-health/eye-conditions-and-diseases/cataracts.

5. American Refractive Surgery Council. Cataract Surgery. Available at: https://americanrefractivesurgerycouncil.org/cataract-surgery/#:~:text=Vision%2DCorrecting%20IOLs?-,Cataract%20surgery%20removes%20the%20clouded%20natural%20lens%20and%20replaces%20it,nearsightedness%2C%20farsightedness%2C%20and%20astigmatism.

2025PP04024

* RISKS

There are risks to routine cataract surgery. This is irrelevant to the lens you choose. The problems could be minor, temporary, or affect your vision permanently. Complications are rare. These may include worsening of your vision, bleeding, or infection. Pre-existing diseases or conditions may place you at higher risk of experiencing complications (e.g., more difficult recovery) after routine cataract surgery. Examples of pre-existing diseases or conditions are diabetes, heart disease and previous trauma to your eye.

With some IOLs, you may experience some loss in the sharpness of your vision, even with glasses. With these IOLs, you may have more difficulty driving at night or in poor visibility conditions. This can affect your ability to detect road hazards as quickly at night or in fog. You may also experience halos (rings around light), glare (reflected light, making it difficult to see) and starbursts (rays around light). A small number of patients may want to have their IOL removed. This can be due to lens-related optical/visual symptoms. You should discuss all risks and benefits with your eye doctor before surgery.

2025-01-15T12:49:00

(BPT) – Remember when digital payment transactions used to take three to five business days? Even transferring funds between accounts seemingly took forever. And, if you were splitting the bill with someone at a restaurant, there was nothing fast about it. You’d give them a check … and then it would take three to five days to clear. It seems so antiquated now. In today’s digital world, that kind of time lag simply isn’t acceptable to many people.

According to a survey by PYMNTS Intelligence, nearly three-quarters of surveyed consumers want their disbursements paid to them instantly, but only one-third receive them that way. That’s one reason Visa is making funds transferred to U.S. bank accounts with Visa Direct available in 1 minute or less starting in April 2025.

Visa Direct is Visa’s global solution for real-time money movement, which provides innovative ways to enable businesses, service providers and consumers to send funds to bank accounts using eligible debit cards. Visa Direct reaches 99% of bank accounts in the U.S.^[1].

“This change underscores Visa’s commitment to accelerating real-time payments in the U.S.,” said Jim Filice, VP, Head of Domestic Real-time Payments, Visa Direct. “At Visa, we are constantly striving to innovate and provide the best possible money movement experiences, and this update will significantly enhance speed and convenience, while maintaining strong security standards.”

Visa Direct supports multiple use cases such as person-to-person payments and account-to-account transfers, business and government payouts to individuals or small businesses, merchant settlements and refunds^[2]. But what does near real-time payments really mean for end users? Here are the top three benefits.

Speed and Convenience

With funds available in someone’s bank account in a minute or less, U.S. cardholders can access their funds in their bank account almost immediately, without having to wait. So, if you foot the bill in a restaurant and your companion sends you a digital payment to cover their share, you’ll have those funds available to take an Uber home.

Going hand-in-hand with speed, the convenience of being able to make and receive faster payments is a huge win for individuals and businesses alike. A waiting period, even if it’s just an hour, seems like a burden now, doesn’t it? We all need the convenience of having our funds available in our bank account quickly.

Security

Have you ever wondered about the security of sending digital payments through a third-party app powered by fintech? Ever had a moment of trepidation when attaching your bank account information to something with no brick-and-mortar?

Visa Direct is built on Visa Net, which has been operating and advancing for more than 60 years, with proven value-added services that address the needs of new risk^[3] and security concerns that have come up as a result of moving money in real time. With security a top priority, Visa has saved consumers and merchants billions by proactively disrupting fraud and working with government partners, including the intelligence community and law enforcement.

Accessibility and Inclusion

According to the FDIC, 5.6 million households in the U.S. are “unbanked,” meaning, people don’t have a bank account. Expanding financial access for consumers and small businesses is pivotal nowadays, and banks are under pressure to quickly implement and launch programs for their customers that stay ahead of their expectations.

Digital wallets are the fastest-growing payment method in the U.S., providing a fast, secure and convenient tool for sending and receiving funds — bank account not required.

Visa works with enablement partners to help expand financial access for individuals, opening the potential for greater financial inclusion and enabling underserved populations the opportunity to access financial products that impact how they live and work.

In addition to enhancing the cardholder’s experience, this new mandate from Visa Direct helps opens new avenues for businesses and governments to grow and thrive. Whether it’s disbursing government benefits, processing healthcare payments, or handling tips in the service industry, the improved reliability of faster funds empowers businesses and governments to operate in real-time more effectively.

Visa Direct is helping to transform money movement, whether it’s around the corner or around the world. It’s enabling a new wave of financial freedom, today. To find out more, visit usa.visa.com/products/visa-direct.html.

2025-01-13T04:01:00

(BPT) – The next generation of energy technologies is coming online, delivering energy that is more affordable, reliable and cleaner than ever before. But what happens to the older generation of power plants as they reach the end of their operational lives? What if those closures directly affected your livelihood — or the economy of your town? This is the challenge facing the power industry today. Nearly a quarter of coal plants in the U.S. are scheduled to be shuttered by 2029, according to the U.S. Energy Information Administration.

Many of these plants are the major employers in their small towns. What happens to those towns when the plants close? It means a loss of employment and it reverberates through all aspects of the community. Retail stores. Restaurants and diners. Everything in the local economy takes a hit when a major employer like a coal power plant closes.

But, what if those plants could be repurposed into something else? It would keep people working, the town diners hopping, the local merchants busy and everyone happy.

Coronado: A case study

That’s just what’s being studied at the Coronado coal power plant near St. John’s, Arizona, which is scheduled to be retired in 2032. In a joint blog, the Bipartisan Policy Center and Terra Praxis highlight that Coronado is part of a study to repurpose coal plants into nuclear power plants, which would not only help keep the local economy humming, but also power the region with energy.

The study conducted by The Idaho National Laboratory’s Gateway for Accelerated Innovation in Nuclear (GAIN) program highlighted significant regional economic and workforce benefits from transitioning the Coronado power plant to nuclear energy. GAIN compared the potential regional economic outcomes of allowing the existing plant to retire versus repowering it.

The findings suggest that a coal-to-nuclear conversion could prevent economic decline, help support regional growth and create additional employment opportunities, potentially surpassing the benefits of continued coal operations.

What’s happening nationwide

With nearly a quarter of the U.S. coal-fired fleet scheduled to retire by 2029, replacing retiring coal power plants with advanced nuclear, specifically small modular reactors (SMR), has been put forth as a strategy to maintain local employment and economic opportunities for existing energy workers and communities, while simultaneously meeting the growing demand for reliable and resilient power and pursuing national climate goals.

Of those plants that are scheduled to retire, the Bipartisan Policy Center reports 80% of evaluated coal plants have the basic characteristics needed to be repowered by an SMR, according to a Department of Energy study analyzing recently and soon-to-be retired coal plants.

That means they have the location, land use types, energy output levels and other factors needed to convert them.

Why do it?

Potential benefits of coal-to-nuclear projects

The Bipartisan Policy Center and Terra Praxis outline several possible key benefits to these projects. According to their research:

• Nuclear energy provides firm, dispatchable clean energy, maintaining grid reliability while pursuing climate goals.
• 77% of coal plant jobs are transferable to nuclear plants with no new workforce licensing.
• Net increase of more than 650 jobs could be created in regions where SMRs repower retiring coal plants.
• Jobs at nuclear plants provide higher wages compared to coal plants, which would boost local tax revenue.
• SMRs can reuse coal plant transmission infrastructure, reducing SMR construction cost and avoiding some permitting challenges.
• SMRs can reuse coal plant electrical equipment and steam-cycle components, which, combined with reuse of transmission and administrative buildings, can reduce SMR construction cost by 17% to 35%.

Challenges that remain

This effort isn’t without challenges. Some hills to climb include:

• Coal plant retirement and SMR operation dates must be aligned for a smooth workforce transition.
• Licensing and technological infancy create uncertainties for SMR construction timelines.
• Some coal plant positions will require extensive retraining or licensing to transfer to a nuclear plant, including operators, senior managers and technicians.
• Some states have laws restricting new nuclear development, which can limit overall coal-to-nuclear opportunities.

The Bipartisan Policy Center is a mission-focused organization helping policymakers work across party lines to craft bipartisan solutions. By connecting Republicans and Democrats, delivering data and context, negotiating public policy, and creating space for bipartisan collaboration, BPC helps turn legislators’ best ideas into durable laws that improve lives. Since 2007, the Bipartisan Policy Center has helped shepherd countless bills across the finish line.