Category: Brandpoint Lifestyle

2025-10-20T08:01:01

(BPT) – Oaklawn Hot Springs, one of America’s premier Thoroughbred racetracks and casinos, is making history. Beginning with the 2025–2026 season, Oaklawn’s racing calendar — long recognized for its high-stakes purses and nationally competitive fields — will feature two distinct racing seasons for the first time in its more than 100-year history.

A festive new tradition

The Holiday Racing Season launches Dec. 12, 2025 – Jan. 4, 2026, bringing the thrill of Oaklawn racing into the most festive time of year. Guests can pair the adrenaline of live racing and the comfort of the Forbes Recommended Oaklawn Hotel with relaxation at the Forbes Four-Star Astral Spa. Whether it’s a holiday getaway, a New Year’s weekend celebration or simply a new tradition to share with friends, the Holiday Racing Season adds a fun and festive twist to the Oaklawn experience.

Elite racing returns in 2026

After a brief intermission, the spotlight returns with Oaklawn’s iconic Classic Racing Season, running Jan. 30 – May 2, 2026. This stretch showcases some of the nation’s most prestigious stakes races, drawing the sport’s elite horses, jockeys and trainers to Hot Springs. For racing fans, it’s an unmatched opportunity to see championship-caliber Thoroughbreds with the potential of winning horse racing’s coveted Triple Crown.

“Racing in December allows Oaklawn to welcome fans during the Holiday Racing Season, while our Classic Racing Season continues to deliver the elite competition for which Oaklawn is known,” said Louis A. Cella, president of Oaklawn. “We’re excited to offer even more opportunities for both longtime racing enthusiasts and new guests to experience what makes Oaklawn unique.”

A destination beyond the track

This new split-season format is designed to appeal to a broad audience:

• Racing enthusiasts: More opportunities to follow elite contenders and experience the traditions that make Oaklawn one of the premier tracks in the country.
• Young adults and new fans: A festive holiday atmosphere paired with approachable entry points to live racing, dining and entertainment makes Oaklawn a perfect first-time experience.
• Those planning a getaway: Beyond the track and great casino action, visitors can enjoy Oaklawn’s Forbes Recommended Hotel, unwind at the Astral Spa — Arkansas’ only Forbes four-star luxury spa — and indulge at Arkansas’ only Forbes Recommended restaurants, The Bugler and The OAK room & bar.

Experience Oaklawn’s elevated hospitality

Oaklawn’s innovation comes at a time when live experiences are more valuable than ever. The combination of holiday events, premier racing and the backdrop of Hot Springs’ scenic Ouachita Mountains creates an unparalleled destination for both locals and travelers.

Fans are encouraged to mark their calendars for Opening Day on Dec. 12, 2025, and join Oaklawn in celebrating this historic new chapter in Thoroughbred racing.

Tips for visiting Oaklawn Hot Springs

• Check in and stay a while: Enjoy the Forbes Recommended Oaklawn Hotel, home to Arkansas’ only Forbes Four-Star luxury spa, a world-class casino and multiple Forbes Recommended dining options that make Oaklawn more than a day at the races.
• Explore Hot Springs: Discover the historic bathhouses, hiking trails and a vibrant local dining scene to round out your trip.
• Fun for the whole family: Holiday race days will feature a festive atmosphere with daily promotions, food, entertainment and family-friendly options.
• Plan ahead: Visit Oaklawn.com for hotel reservations, ticket information, schedules and special events.

With two distinct racing seasons, Oaklawn is ready to deliver unforgettable memories — whether it’s holiday cheer in December or Derby dreams in the spring.

Founded in 1904 and located in Hot Springs National Park, Arkansas, Oaklawn is one of the premier Thoroughbred racetracks in the country. Make your reservations and plan your trip at www.oaklawn.com.

Must be 18 for race gambling and 21 for casino gaming in Arkansas. Always bet responsibly. If you or someone you know has a gambling problem, please call 1-800-522-4700 or visit www.ncpgambling.org.

2025-10-20T09:01:00

(BPT) – Do you get misty-eyed recalling favorite childhood vacations? Remember watching the scenery roll by from the back seat with the windows down, feeling the warm sun on your back and sand between your toes? Do you remember savoring cool ice cream while the sounds of arcade games echoed around you and the sweet smell of funnel cakes mingled with the ocean breeze along the boardwalk?

Memories like these have inspired the latest travel trend, “time tripping,” where travelers seek to relive the magic of family vacations. There’s no better place to create your own time-traveling experience than South Carolina’s Grand Strand. Stretching across 60 miles of shoreline and 14 unique communities, including Myrtle Beach, this region holds a special place in the American vacation story.

If you love the idea of pairing familiar vacation touchstones with new attractions, you’ll find it all at The Beach. Try these curated experiences combining the best of the past with fun new ways to enjoy your nostalgic getaway.

Gen Z: TikTok meets childhood throwbacks

This itinerary taps into Gen Z’s love of content-worthy moments and playful nods to the early 2000s. After a visit to the beach, check out oversized sweets at the iconic candy store I Love Sugar, then explore the mall-style vibes at the outdoor shopping and dining hub The Market Common.

Ready for a little action? The high-tech mini golf experience at PopStroke, backed by Tiger Woods, is well worth the visit. Then you can throw it back with skee-ball at the Fun Plaza Arcade, race bumper cars at The Track and make sure to catch a candy-colored sunset from the top of the SkyWheel. End the evening enjoying modern live music and rooftop vibes at Tin Roof. You’ll have an amazing time, with plenty of Instagrammable moments.

Millennials: Perfect remix of retro and modern

Get ready for a trip that embraces the “good old days” with grown-up upgrades. First snap some film-style beach photos along the Myrtle Beach Boardwalk, then satisfy your sweet tooth with bubble waffles and ice cream from The Dolly Llama.

After soaking in some sun and surf, enjoy dinner at The Hangout, a lively burger and seafood spot with dancing servers and throwback tunes. Then, unwind at the sleek new retro-inspired voco the Shelby hotel, featuring modern oceanfront digs with a pool and view that can’t be beat. Not ready to call it a night? Head to Crooked Hammock Brewery at Barefoot Landing for backyard vibes, live music and craft brews under the string lights creating a perfect grown-up twist on those carefree summer nights.

Gen X: Retro cool and chill vibes

For the “MTV generation,” this itinerary pairs throwback cool with laid-back coastal culture. Wake up to pancakes at Harry’s Pancake House, then browse the racks at Retro Active, a funky vintage shop offering everything from your favorite band tees to ’90s windbreakers. Then revisit classic amusement park thrills at Broadway at the Beach’s Pavilion Park or feel the rush of electric go-kart racing at K1 Speed. In the evening, enjoy timeless performances at The Carolina Opry, a tradition since 1986.

You can go full ’80s arcade at the Pinball Museum and enjoy mini golf at tiki-themed Mt. Atlanticus or catch a variety show at the Alabama Theatre, a venue that’s been entertaining visitors with nostalgic hits and classic humor for decades. And don’t forget to make time for a day at the beach that feels blissfully analog before you leave. It’s your soundtrack of summer, set to ocean waves and old-school charm.

Boomers: Classic Myrtle Beach, reimagined

For the timeless traditions Boomers remember and love, start with breakfast at Hot Stacks Pancake House, a longtime favorite serving traditional pancakes, omelets and hearty diner classics, then head south of the Strand to visit Brookgreen Gardens, followed by a treasure hunt for unique, handcrafted gifts and stylish apparel at The Hammock Shops Village. You could go really retro at the L.W. Paul Living History Farm in Conway, showcasing early 20th-century farm life, or plan a picturesque escape to the newly opened Barn View Winery in Loris for a taste of handcrafted wines and sweeping countryside views.

Another day may find you indulging in nostalgia with a scoop at Original Painter’s Homemade Ice Cream, a local favorite since 1952, followed by classic car displays at Wheels of Yesteryear and a throwback live music performance at the Greg Rowles Legacy Theatre. Before heading home, stroll the famed Myrtle Beach Boardwalk for souvenirs and saltwater taffy, followed by a step back in time with classic Lowcountry flavors and pirate lore at Drunken Jack’s.

No matter your generation, rediscover the magic of Myrtle Beach, where classic vacation memories meet fresh, new experiences. Start planning your adventure today at VisitMyrtleBeach.com.

2025-10-16T12:01:00

(BPT) – Over the next two decades, more than $84 trillion in wealth is expected to transfer from Baby Boomers to younger generations.

This unprecedented event, known as the “Great Wealth Transfer,” marks the largest intergenerational handoff of wealth in history. The question is: are families truly prepared?

Without proper planning, much of this hard-earned wealth can be lost in a generation. In fact, data shows 70% of families lose a portion of their wealth due to interfamilial conflict, with nearly 60% of estates ending up under court control because of improper estate planning.

This intergenerational wealth transfer has imposed unprecedented strain on familial relationships, thanks to the complex nature of today’s globalized and blended family structures, where cross-border assets and multiple marriages add new legal and emotional elements.

Blended families and families with estranged members face particular challenges, with inheritance issues often magnified in households with ex-spouses, new partners or children from previous marriages.

To further complicate matters, new spouses may have legal entitlements that clash with the expectations of children from previous relationships, leading to confusion and legal ambiguity. Without clear documentation and communication in advance, the lines between emotional attachment and financial entitlement can become blurred. In such situations, perceived slights, whether intentional or not, can easily spiral into formal disputes.

In fact, more than half of wills are contested among these families. Disputes can arise when surviving spouses are granted significant control or perceived favoritism creates resentment among heirs.

But inheritance battles among heirs aren’t the only risk. Older, high-net-worth individuals may find themselves vulnerable to manipulation by relatives acting in bad faith. Potential heirs may exploit weakened relationships or unclear succession plans to access wealth prematurely — or even take control of family businesses.

While Rupert Murdoch’s high-profile legal dispute with his children ended well for him in protecting his empire and succession plan, the ongoing legal case involving another media mogul, Polish billionaire Zygmunt Solorz, illustrates that other wealth transfer disputes may have a less favorable outcome.

Solorz is entangled in a dispute with his three children over control of his media empire. Court filings suggest that the billionaire was manipulated by his children into initiating a premature succession process, exploiting the company’s financial holdings in Liechtenstein and engaging in a hostile takeover of his business — leading to a continuous decline in stock prices and harming shareholders.

While these two examples involve ultra-wealthy individuals, the cases serve as a warning to Baby Boomers across the income spectrum on the importance of wealth management and asset protection to prevent interfamilial conflict for family businesses from Wall Street to Main Street.

For high-net-worth individuals navigating succession, governance and asset protection, caution and preparation are key. Of primary importance is the inclusion of clear, legally binding succession plans that are difficult to overturn. These arrangements should include built-in dispute resolution mechanisms, such as arbitration clauses or mediation panels, to prevent costly and public legal battles.

Further, experts stress the need for independent oversight, particularly when assets are held through foundations or trusts. Appointing neutral curators or trustees can help enforce the founder’s intent and reduce the risk of family infighting derailing a legacy. Transparent communication among family members is equally critical, especially when it comes to roles, decision-making powers and potential health issues.

In particular, planning for “what if” scenarios such as illness, mental incapacity or new family dynamics should also be part of any long-term strategy for wealth management and planning.

The Solorz case also underscores the importance of carefully selecting jurisdictions. While tax havens like Liechtenstein are often trusted for wealth management, local court interventions can still pose risks. And in cross-border arrangements, conflicting legal frameworks can further complicate matters, making proactive, well-documented planning essential.

Improper handling can fracture families, derail business empires and lead to significant loss in generational wealth.

With the Great Wealth Transfer underway, thoughtful, professional and forward-looking preparation is needed to protect assets and preserve relationships and legacies across generations.

2025-10-16T09:01:00

(BPT) – Menopause is a normal stage of life, but the changes it brings can feel anything but. Hot flashes, restless nights, mood shifts and hair thinning are just some of the common symptoms women experience as hormone levels naturally decline. For many, these shifts arrive at a time when life is already busy with family, work and personal responsibilities — making the added stress of physical changes even more challenging.

With World Menopause Day in October, highlighting the importance of awareness and support, it’s a timely reminder that while every woman’s journey is different, research shows there are natural, science-backed ways to ease this transition and feel more like yourself again.

A natural ingredient backed by research

Pycnogenol^®, a plant extract derived from French maritime pine bark, has been studied for more than 40 years, including on clinical trials involving 600 menopausal women. Findings show it may help reduce common menopause symptoms like hot flashes, night sweats and irritability, while also supporting fatigue, sleep quality and memory.

What makes Pycnogenol^® unique is its ability to work on several levels at once — it functions as an antioxidant, circulation booster and natural anti-inflammatory. Many studies have also confirmed that Pycnogenol^® is safe and well-tolerated and has no impact on hormonal levels, making it an appealing choice for women looking for natural alternatives.

Proven benefits for disruptive symptoms

Menopause can bring about more than just the well-known symptoms. For example, women face increased cardiovascular risk during this stage of life. Studies show that menopausal women who took Pycnogenol^® for six months experienced improved cardiovascular markers, thanks to the extract’s positive effects on vascular function.

Skin health may also suffer due to declining estrogen levels, leading to dryness and reduced elasticity. Pycnogenol^® has been shown to improve skin hydration, increase elasticity and reduce pigmentation — benefits that help women feel more confident in their skin.

Another lesser-discussed symptom is joint discomfort. Estrogen loss can cause inflammation and stiffness. Pycnogenol’s^® anti-inflammatory properties have been shown to improve mobility and reduce the need for medication.

Supporting hair health

More than half of women over 50 notice hair thinning, and hormonal changes are a big reason why. Reduced estrogen can affect follicle activity, while dryness and scalp irritation make it harder to maintain strong, resilient strands.

Recent clinical research shows Pycnogenol^® may help. After just two months, women in one study experienced a 30% increase in hair density. The study also revealed an improvement in scalp microcirculation, or blood flow to the skin, that was associated with improved density. Together, these benefits can make a visible difference in how hair looks and feels.

Simple steps for everyday support

Beyond supplements, small lifestyle shifts can also make a difference in how women experience menopause:

• Hydrate: Staying well-hydrated helps support circulation, skin elasticity and cellular health throughout the body.
• Massage: A few minutes of daily scalp massage can boost circulation and help relax tension.
• Nourish: A nutrient-rich diet with a variety of vitamins, minerals and antioxidants supports whole-body vitality, including skin and hair health.
• Rest: Prioritizing restful sleep gives the body time to repair, reset hormone balance and maintain emotional resilience.
• Move: Gentle exercise like walking or yoga can improve circulation and reduce stress, both of which impact overall well-being.

Moving forward with confidence

Menopause may come with challenges, but it’s also an opportunity to refocus on self-care and wellness. From easing disruptive symptoms to supporting hair and skin, natural solutions like Pycnogenol^® can play an important role in helping women move through this stage feeling healthier and more confident.

To learn more, visit Pycnogenol.com.

2025-10-14T08:01:00

(BPT) – Crisp air, golden leaves and the return of comfort food — fall is the perfect time to savor simple, warming meals. This season, make Galbani Fresh Mozzarella your go-to ingredient for melty dishes that elevate fall flavors. With its soft, creamy texture and delicately milky flavor, Galbani Fresh Mozzarella adds irresistible melt to any recipe. From rustic pizzas to toasty sandwiches, it brings comforting flavor to every bite. And it’s made without titanium dioxide, offering a delicious fresh mozzarella experience you can trust.

Discover new ways to enjoy the season with these cozy recipes from the mozzarella experts Galbani Cheese, Italy’s #1 cheese brand:

Fall Pancetta Brussels Sprout Pizza

This savory pizza combines crispy pancetta, tender Brussels sprouts, and creamy Galbani Fresh Mozzarella for a cozy fall twist on a classic favorite.

Ingredients:

• Garlic Cream Sauce: 1 Tbsp butter, 1 Tbsp olive oil, 2 cloves garlic (minced), 1/2 cup heavy cream, 1/4 cup whole milk, 1/4 cup shredded Parmesan, pinch of red pepper flakes.
• Pancetta and Brussels Sprouts: 4 oz. pancetta (diced), 1 cup Brussels sprouts (thinly sliced), salt and pepper to taste.
• Pizza: 8 oz. pizza dough, 1/2 small red onion (thinly sliced), 8 oz. Galbani Fresh Mozzarella (sliced), fresh basil (for garnish).

Directions:

• Garlic Cream Sauce: Melt butter and olive oil in a medium pan over medium heat. Add garlic and stir. Increase heat to medium-high, then add cream, milk, Parmesan and red pepper flakes. Stir and bring to a boil until slightly thickened, about 2–3 minutes. Remove from heat.
• Pancetta and Brussels Sprouts: Cook pancetta in a separate pan over medium heat until lightly crispy. Remove from heat, stir in Brussels sprouts, and season with salt and pepper.
• Assemble Pizza: Preheat oven to 450°F. Roll dough to fit a 12-inch lightly greased pan. Spread garlic cream sauce, leaving a 1-inch border. Top with Brussels sprout and pancetta mixture, sliced red onion and Galbani Fresh Mozzarella.
• Bake and Serve: Bake until crust is golden and cheese is melted and bubbling, about 15 minutes. Remove from oven and sprinkle with fresh basil before serving.

Roasted Cherry Tomato Pesto Sandwich

A melty, vegetarian-friendly sandwich that’s perfect for cozy fall lunches or casual dinners, featuring creamy Galbani Fresh Mozzarella.

Ingredients:

• Sandwich: 16 oz. Galbani^® Fresh Mozzarella (sliced), 4 ciabatta rolls (cut in half), 1/2 cup pesto, freshly cracked black pepper, about 16 fresh basil leaves, 1 shallot (thinly sliced), 15 oz. can marinated artichoke hearts (quartered), 12 oz. can roasted red peppers, 16 oz. cherry tomatoes (halved).

Directions:

• Prep Oven: Preheat oven to 400°F and line a large baking sheet.
• Assemble Sandwiches: Spread pesto on both halves of each ciabatta roll and season with black pepper. On the bottom half, layer basil leaves, shallot slices, artichoke hearts, roasted red peppers, and cherry tomatoes. Top with Galbani Fresh Mozzarella on the top half.
• Bake and Serve: Bake 10–12 minutes, until cheese melts. Place the top half, cheese side down, onto the bottom, cut in half and serve.

Why Choose Galbani Fresh Mozzarella?

Galbani Fresh Mozzarella is crafted from an authentic Italian recipe, delivering the soft, creamy texture that makes pizzas and sandwiches melt beautifully. It never contains titanium dioxide, a synthetic whitener, commonly found in certain foods, toothpaste and cosmetics. Galbani is Italy’s #1 cheese brand, and its fresh mozzarella products are proudly made and distributed in the United States by Lactalis USA, a subsidiary of Lactalis, the world’s largest dairy company. Available in a convenient 16 oz. sliced log or an 8 oz. ball, Galbani Fresh Mozzarella makes it easy to add melty, creamy flavor to all your cozy fall meals. For more comforting recipe inspiration, visit galbanicheese.com.

2025-10-14T09:01:00

(BPT) – For parents today, the rapid pace of technological change can seem overwhelming. Watching your kids adapt — usually more quickly than you do — to these changes can also cause anxiety. The sudden emergence of AI has accelerated these worries, with many parents wondering how to ensure their children use tech tools safely, responsibly and in a way that doesn’t negatively impact their well-being and development.

Recent data shows that most teens use AI, and more often than their parents realize. Considering its prevalence in the context of the ongoing decline of student achievement nationwide, it’s important for parents to help their kids understand when to use, and when to avoid, AI so as not to undermine the skills they’ll need for successful careers.

Concerned parents can introduce their children to the concept of digital citizenship, which empowers young people to take control of their digital lives as they use social media, AI or other tech tools. It’s important to discuss appropriate behaviors and norms for using devices and participating in digital spaces, so everyone can be safe, responsible and respectful online.

Although these ideals are fundamental to being a good citizen in general, the digital landscape offers more opportunities for missteps and abuse, since digital footprints are public, pervasive and often permanent. Responsible digital citizenship can encompass everything from recognizing and preventing harms like cyberbullying, hate speech and plagiarism to protecting privacy, safety and security.

To help educators, parents and caregivers feel better equipped to guide children through the challenges of today’s technology, Renaissance, a global leader in pre-K-12 education technology, provides high-quality digital citizenship lessons and resources through its interactive Nearpod platform.

In honor of Digital Citizenship Week, Renaissance offers the following four tips for adults to help kids use technology responsibly, both in and out of school.

1. Learn about AI policies

To provide consistency between home and your children’s school, and to better understand the school’s approach, ask teachers and school administrators about their AI policies.

Clarify what safeguards exist at school and if they teach AI literacy skills. If not, you might suggest they try Nearpod’s 21st Century Readiness Program, which equips educators with lessons to help students understand what AI is, how it works, explore its potential benefits and risks and develop critical thinking skills to use AI responsibly.

By learning about the school’s approach to AI, you’ll have a better understanding of your children’s exposure to AI in their education and daily life.

2. Talk frankly about AI

Encourage honest conversations with your kids about what AI does well, and what it doesn’t do well. Include examples of how you use the technology, whether at your workplace or at home. This could include everything from chatbots and AI searches to photo filters and more.

It’s best to be transparent to build trust with your kids. Young people may worry they’ll be judged for using AI, preventing them from feeling free to discuss how they use it. Let them know you’re aware of how much young people already use it and that you’re open to talking about its benefits and potential drawbacks.

Closing this parental awareness gap is crucial for the conversation. You may not realize it, but research shows families may have as much or greater impact than teachers and peers in shaping their children’s educational attitudes and success.

3. Stress the importance of critical thinking

Help your children understand that learning to write well, thinking about topics and trying to solve problems on their own are all crucial skills for future success. Letting AI do things for them means skipping vital steps in their education and development.

Start by helping your children question AI results. While generative AI models can produce confident-sounding responses, they may have inaccuracies or biases. Show your kids how to ask a question and then question the answer — by learning how to double-check AI’s responses using reliable sources (and how to identify reliable sources). To learn actionable tips for helping your children practice critical thinking rather than outsourcing it to AI, check out these practical AI literacy tips for educators and families.

4. Consider the global impact

As part of your discussion, talk about AI’s risks, limitations and possibilities in age-appropriate ways, and how its use might shape the future in terms of education, jobs and how people interact and create. Most importantly, establish norms or guidelines for using AI responsibly in your family. Recent National Assessment of Educational Progress (NAEP) data shows student development is at risk, which underscores the importance of ensuring that kids spend adequate time learning and practicing the reading and math skills they’ll need for college and a career.

Since technology and AI products are used more often in schools and educational settings today, it’s critical for children to learn about responsible AI use so they’ll be ready for the future. However, AI use has to be balanced with children developing independent thinking and learning skills, or they risk losing the ability to do so effectively.

To consider how you might further help your children learn about digital citizenship and AI literacy at home, check out Nearpod’s free lessons for Digital Citizenship Week, which provide tools to support children in developing the skills they need to use devices safely, ethically and effectively, so they can think critically and participate responsibly in the digital world.

2025-10-14T07:01:00

(BPT) – A permanent change of station (PCS) is a regular part of military life that involves many moving parts. Preparing for your relocation now can make a huge difference in how you’ll settle into your new home. To help families prepare for their next move, Navy Federal Credit Union offers the following tips to make your move as smooth as possible.

1. Create a timeline

Confirm all PCS details as soon as possible so you can create a reasonable timeline. The easiest way to do this is to verify your report date and work backward. Remember to budget time for packing, moving and settling in to your new home.

2. Gather your documents

Gather essential documents. Create copies of these documents and keep them all together in a binder, so you can quickly access the information you need to fill out the paperwork involved in your PCS.

3. Review your finances and create a budget

Do you have everything you need to cover upfront moving costs? It may take awhile before you’re reimbursed for your move, so it’s vital to calculate moving costs, create a budget and start saving money as soon as you can. You can use an online tool like Navy Federal’s PCS budgeting calculator to see how much your move will impact your monthly budget.

Pro tip: Schedule a meeting with a personal financial counselor to create a plan for your move and discuss strategies for reestablishing your finances when you arrive at your new assignment.

4. Prepare your family for the move

A military move can be a challenging transition for the whole family. Children can have an especially difficult time moving to a new location. Sit down with them and have frank conversations about the upcoming move and what they can expect leading up to and after a PCS.

5. Decide what you’ll do about housing and transportation

Are you planning to sell or rent your current home? Will you buy a home in your new location? What are your plans for your cars? These are all important questions to answer ahead of your move.

Work with a real estate agent or property manager familiar with the military relocation process. They may be able to help you find a new home that meets your criteria.

Whether you’re moving in-state or out of the country, research vehicle shipping options and review your vehicle shipping allowances.

6. Prepare your accounts

There are a few accounts you’ll need to prepare in advance of your PCS. These include:

• Updating your address
• Providing travel notifications for your bank and credit card accounts
• Setting up joint accounts
• Making plans to transfer money if you’re stationed overseas

You can call Navy Federal and connect with a dedicated member services representative who can help you prepare your accounts. This specialized support can make your move smoother and provide peace of mind.

One hub for all your PCS needs

To help military families during their move, Navy Federal collaborated with Veterans and military spouses to create the PCS hub. This hub offers tools, guidance and resources that can help you manage your moving tasks, including:

• A robust PCS checklist with moving tips and comprehensive to-do lists
• Monthly spending calculator to track current expenses, manage costs and budget for the next duty station
• Special product offers tailored for Servicemembers and military families experiencing PCS
• Real-time guidance through our 24/7 stateside member service team

By consolidating all of these resources in one place, you can start planning your PCS move today. To learn more, visit NavyFederal.org/PCS.

Navy Federal is federally insured by NCUA.

2025-10-14T09:01:00

(BPT) – Autumn is a fantastic time of year for gatherings, from Oktoberfest and Halloween parties through Thanksgiving — with plenty of homegating get-togethers in between! To keep your focus on family, friends and fun, here are tips and top kitchen tools from the lifestyle experts at LG to help you be ready for any celebrations that come your way this season.

Stock your fridge

To avoid last-minute grocery panic and ensure plentiful snacks for impromptu get-togethers, list your tried-and-true crowd-pleasers with necessary ingredients. Check your fridge and pantry so you can stock up on essentials before you need them.

Keeping food fresh is crucial, so if you’re in the market for a new refrigerator — especially in a tight space — check out the LG Counter-Depth MAX™ with Zero Clearance™ 3-Door French Door Refrigerator with Thin Door Design. Its Zero Clearance™ hinges let you install this refrigerator next to a wall or adjacent cabinets for a nearly built-in look. Combined with the thin door design, it lets you fully open both French doors, even in tight spaces.[1] The LG French door refrigerator offers their first and largest capacity freestanding counter-depth refrigerator with Zero Clearance™, giving you ample space for your family’s favorite foods, keeping them conveniently organized and within reach.

Lean on “Chef Mike”

Even accomplished home cooks sometimes need more speed, especially when facing a hungry, clamoring crowd. A high-quality microwave helps prep all kinds of dishes quickly, from loaded baked potatoes or quesadillas to tasty dips — and desserts like microwave cakes and s’mores.

A microwave with the latest tech makes all the difference. Using LG’s 1.3 cu. ft. Smart Low Profile Over-the-Range Microwave Oven with Sensor Cook, you can select from a menu of sensor cooking options and let the microwave determine when the food is ready. Pre-programmed settings and humidity-sensing technology helps you create perfectly cooked meals, without worrying about cook times or power levels. Even better, its EasyClean^® interior resists stains and buildup for easy cleanup.

Elevate your cooking game

Autumn is the perfect time to discover new recipes and use freshly harvested produce to inspire creations like craveable snacks for homegating, spooky Halloween-themed treats and comfort food for chilly evenings.

Celebrate your culinary aspirations using chef-inspired appliances like LG’s 6.3 cu. ft. Smart Induction Slide-In Range with InstaView^®, ProBake Convection^®, Air Fry and Air Sous Vide. This range offers a uniquely designed induction cooktop with exceptional power and precision for fast, even cooking. LG’s ProBake Convection^® brings professional technology home with an oven mode that automatically selects the lower speed for delicate baking or the higher speed for air frying and roasting. It also provides faster preheating, quicker cooking and more even baking on multiple racks at the same time. You’ll enjoy the versatility of its air fry and air sous vide modes, letting you quickly air fry enough crispy favorites to feed a crowd — saving time and counter space.

Make clean-up a breeze

When the party’s over, enlist your whole crew for clean-up duty so you won’t wake up to a messy kitchen. Assigning age-appropriate tasks ahead of time means everyone will know what to do.

Tackle post-dinner cleanup like a pro using LG’s Smart FlushFit™ Top Control Dishwasher with 1-Hour Wash & Dry, QuadWash^® Pro, TrueSteam^® and Dynamic Heat Dry™ w/AutoVent Dry™. The enhanced cleaning power of LG’s exclusive QuadWash^® Pro and Dynamic Heat Dry™ technologies combine to deliver a one-hour wash and dry cycle for sparkling, table-ready dishes quickly, so you can spend more time on what matters. High-pressure jets spray dishes from multiple angles while soaking them with over one million microbubbles to help break down stubborn food residue for exceptional cleaning performance. Dynamic Heat Dry™ technology then circulates hot air throughout the dishwasher for faster, more complete drying (compared to LG dishwashers without Dynamic Heat Dry™ technology) that won’t melt your plastics, delivering sparkling, table-ready dishes right off the rack. Big party? You’ll save time by fitting more dishes and everything from long flatware to small cups with the height-adjustable 3rd rack.

Cook smarter, not harder

Planning ahead, channeling your inner chef and using the best tools for every job will help make any of your fall celebrations less work, and a lot more fun.

To help you cook smarter, check out options to access AI-powered LG ThinQ^® Smart Technology on your LG kitchen appliances, allowing you to control and monitor functions remotely. The ThinQ app offers personalized features like learning user routines, optimizing energy use, receiving maintenance alerts through ThinQ Care and diagnosing problems. ThinQ integrates with Wi-Fi and/or voice assistants like Amazon Alexa and Google Assistant across a wide range of appliances.

Ready for a new appliance? You can enjoy a two-year limited warranty on select appliances purchased through Dec. 31, 2025 via the ThinQ^® app. Terms apply.[2]

2025-10-10T15:01:02

(BPT) – The U.S. is facing a mental health crisis, with 1 in 5 adults (about 59 million people) experiencing daily mental health challenges, according to the National Institute of Mental Health. Members of Gen Z are especially affected, as they are navigating constant connectivity and social media pressure. According to the BePresent 2024 Digital Wellness Report, 83% of Gen Z believe they have an unhealthy relationship with their phone, resulting in negative effects on mental health and productivity.

Mental health experts recommend tips like regular exercise and meditation to boost wellness, but there’s one surprising source of comfort for people looking to improve their mental health: cats.

Research about animal visitation programs at college campuses has shown that spending even a short amount of time interacting with cats provides effective stress relief. And according to board-certified psychiatrist Dr. Judith Joseph, “Simply having a cat to pet, play with or talk to increases feelings of well-being, positively impacting your mood and stress levels.”

Here are 6 ways having cats around can be good for your mental health.

1. Cats offer companionship

The mere presence of a cat provides consistent, non-judgmental companionship, especially for people who live alone or have limited social interactions during the day.

“The quiet nature of cats helps people feel calmer,” said Purina Pet Behaviorist Dr. Annie Valuska. “And most cats are more social than they’re given credit for. Even when they’re not actively seeking interaction, many cats prefer staying near their humans. Cats may also offer more companionship when people aren’t feeling well physically or emotionally.”

And according to Dr. Joseph, having a support animal like a cat is especially powerful during times of stress: “When you’re upset or going through difficult times, it’s often easier to share companionship with cats, as they don’t demand conversation or ask questions the way friends or family might. They don’t judge or try to solve your problems; they just stay with you when you need them.”

2. Petting cats helps lower stress

The sensory input of petting a cat, feeling its soft fur and hearing that gentle purr can also positively impact your mood. The presence of a cat has been shown to lower cortisol, the hormone associated with stress, and boost oxytocin, helping ease anxiety and foster emotional safety, according to the American Educational Research Association. Their study found that college students who spent as little as 10 minutes per day petting a cat experienced decreased levels of cortisol.

Recognizing the impact cats have on mental health, Cat Chow is launching the Cats as Therapy Project to promote mental well-being through the healing power of cats. The project benefits Pet Partners, a leading pet therapy organization that registers and trains therapy animal teams with cats, dogs and other companion animals. Visit www.catchow.com/catproject to learn more.

3. Having pets provides necessary routine

Having to feed and tend to your cat every day offers a clear purpose and set routine that is calming and reaffirming. It’s beneficial for most people to have an established schedule and experience putting another’s needs before their own.

“Cats definitely let you know when their dinner is late,” said Dr. Valuska, “which is a good reminder to all of us that we need routines like regular meals and resting times, too.”

4. Caring for cats adds social benefits

Beyond the comfort of your cat’s companionship, having a feline friend can also add meaning to your daily life and spark conversations with others. Being able to talk to other cat lovers about your pet gives you a special bond. Even for those who may have challenges meeting new people, sharing pictures of your cats, telling cat stories and introducing your cat to visitors offers meaningful experiences and opportunities to socialize.

“If small talk is not your strong suit, mentioning that you have a cat can be the perfect ice breaker,” said Dr. Joseph. “Especially for people with social anxiety, bonding over cat ownership can be a powerful way to make a genuine connection.”

5. Cats can get you moving

While cats don’t need to take daily walks the same way dogs do, playing actively with your cat is good for them and for you. According to Dr. Valuska, playing with interactive wand toys and tossing balls for games of chase are great ways to bond with your cat while encouraging both of you to get moving and off the couch.

“While cats love to nap much of their day, they also benefit greatly from regular exercise, just like humans,” added Dr. Valuska. “Getting up and actively playing with your cat each day helps to support their — and your — overall well-being, plus it’s just fun for both of you!”

6. Your cat can inspire creativity

Cats have a long history of being memorialized in art and literature through the ages. Even if you aren’t inspired to draw, paint or write a poem about your cat, having a cat in your home can spark creativity and provide enrichment.

For example, enhancing your space with cat-friendly furniture and environmental upgrades — like building a DIY cardboard tower or installing a catio — can go a long way in creating a more enriching and enjoyable environment for both you and your cat.

“Overall, owning a cat or cats, visiting friends or family with cats or spending time with them at a cat cafe can be effective ways to boost your mental and emotional well-being,” said Dr. Joseph.

2025-10-10T09:31:00

(BPT) – Close to 2 in 5 Americans (38%) say cash feels more “real” than digital money: It’s a tangible reminder of value, and remains a permanent part of their financial toolkit (27%). Yet, new Empower research shows that in practice, physical dollar bills may be fading from daily life: 1 in 5 say they use cash only a few times per year, and just 18% use it daily. Still, a quarter often find themselves in situations where they wish they had cash on hand.

Its popularity may be dictated by what’s going on in the economy, as a quarter (25%) view cash as a “safety net” currency in times of financial downturns, and 1 in 5 Americans have increased their physical cash holdings in the past year due to market uncertainty.

Cash in a digital age

While a third (35%) say they are mostly cashless, for close to 1 in 5 Americans (19%), dollar bills remain a trusted form of payment — something they actively use and keep in significant amounts. Overall, 40% of people feel safer keeping some cash on hand in case of emergencies or tech outages.

Nearly a quarter say they use cash for privacy (21%) in an AI-driven, digital world. The same amount also turn to cash when they want to limit their spending for the day (24%). A third say they’re more likely to make impulse purchases with digital payments (33%), and spend more without the natural guardrail of cash (27%).

With the shift toward digital payments (e.g., debit cards, credit cards, mobile wallets, etc.), 27% say they are more likely to pay bills and save automatically. More than a quarter have better awareness of their spending patterns (27%) and spend less because they can track everything digitally (22%). Close to 1 in 5 admit that if cash disappeared, they’d spend less (17%).

Currency in action

The average person holds between $51 and $100 in their “wallet,” consistent with the $66 cash average from last year’s study. Gen X is the only generation that carries more cash, averaging between $101 and $200.

Half use their physical money for tips (48%), while a third use it to get a discount for paying in cash (34%).

Other scenarios where Americans are most likely to use cash:

• When paying small local businesses that don’t accept cards (46%)
• When splitting costs with friends at a restaurant (30%)
• Paying for parking meters or tolls (24%)
• For emergency expenses (22%)
• At retailers or grocery stores (21%)
• When traveling abroad (18%)
• Paying for gas (16%)
• Paying for a kid’s allowance (16%)

Generational shifts: Piggy banks to digital wallets

For many people, cash is tied to their earliest memories about money: 41% say their first financial experiences involved physical cash, not digital payments. Nearly a third understood the value of cash at an early age (32%) and learned to save by setting aside dollar bills before they ever used a bank account (28%).

Yet, today, money etiquette is changing: 35% say younger generations are skipping physical cash entirely and going straight to digital money. Overall, 37% say each generation relies less on cash than the one before it. Close to a quarter predict their own children will grow up with little or no cash experience (22%).

Money moves

When it comes to where Americans keep their liquid savings, half keep it in a checking account. Over a third keep money in a standard savings account (33%), and the same share holds physical cash at home (35%), as many still want instant, tangible access to their funds.

Nearly 3 in 10 have moved money into high-yield savings accounts (29%), while a quarter rely on money market accounts (24%). For some, the strategy is a balance — 20% split evenly between accounts and physical cash — while others lean on more traditional products like certificates of deposit (18%).

When asked how they’d allocate $10,000 today, most Americans balance digital returns with physical reassurance:

• 55% would deposit it in a high-yield savings account
• 47% would pay down debt
• 41% would invest in stocks for long-term growth
• 40% would keep it as cash for easy access
• 29% would use it for real estate or a property purchase
• 27% would buy bonds or Treasury bills
• 22% would spend the money on education or skills development to boost earning potential
• 22% would buy precious metals like gold or silver

Even in a digital-first world, nearly half the population sees value in liquidity, flexibility, and the physical assurance of cash.

Methodology:

Empower’s “The Vanishing Wallet” study is based on online survey responses from 1,039 Americans ages 18+ from August 18–19, 2025.

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