Category: Brandpoint Lifestyle

2025-03-18T11:01:00

(BPT) – Brunch is the ultimate meal that brings people together. It’s casual yet special; indulgent but still versatile enough to please all palates. Whether families are celebrating a special occasion, such as Mother’s Day, or simply gathering for a weekend meal surrounded by warm weather, hosting a brunch that everyone loves requires thoughtful planning, including offering a variety of options to keep things stress-free.

Offer a Variety of Options for Everyone

One of the best ways to ensure your brunch is a hit is to cater to different tastes and dietary preferences. Some people prefer a classic breakfast spread, while others may want heartier lunch-inspired options. By offering both breakfast and lunch dishes, you can please every guest.

For breakfast lovers, consider classics like pancakes, waffles, or scrambled eggs. For those who prefer lunch, add a savory quiche, fresh salads or a sandwich platter. Don’t forget to include vegetarian and gluten-free options, such as fruit salads, yogurt parfaits or avocado toast on gluten-free bread.

One crowd-pleasing option that combines both breakfast and lunch elements is the Overnight Bagel and Egg Casserole, made with Kraft Shredded Colby and Monterey Jack Cheeses from Kraft Natural Cheese to make it extra gooey and delicious. It’s easy to prep the night before — and simple enough for little ones to assist with creating by sprinkling in the cheese! — so you can spend more time enjoying the company of your guests in the morning.

Kraft Natural Cheese has been a trusted household name since 1950, delivering exceptional quality and flavor to mealtimes around the world. With a commitment to craftsmanship and innovation, Kraft Natural Cheese continues to be the go-to choice for families and food enthusiasts alike with its broad portfolio of natural cheeses, including shreds, chunks and slices. As part of the Lactalis Heritage Dairy portfolio of brands, a subsidiary of Lactalis USA which offers an unrivaled collection of dairy brands enjoyed in homes across the United States, Kraft Natural Cheese has more than 150 years of combined dairy experience reflected in its cheesemaking.

Prepare Dishes Ahead of Time

No one wants to be stuck in the kitchen while guests are mingling. Opt for make-ahead dishes like casseroles, muffins or overnight oats so that you can focus on hosting rather than cooking. The Overnight Bagel and Egg Casserole is a perfect example of a dish that comes together effortlessly ahead of time while still tasting impressive at mealtime.

Set Up a DIY Drink Station

Beverages are just as important as the food at a brunch. Instead of serving individual drinks, set up a DIY drink station with coffee, tea and fresh juices. Consider including fun mix-ins like cinnamon sticks or fruit slices to elevate the experience.

Create a Beautiful and Functional Buffet Setup

Rather than serving individual plates, set up a buffet-style spread where guests can serve themselves. This allows everyone to choose what they like and keeps the host from being stuck in the kitchen. Use tiered trays and platters to create an eye-catching display and ensure everything is easily accessible.

Brunch is all about enjoying good food and great company. By offering a mix of breakfast and lunch dishes, setting up an inviting buffet, and adding fun interactive elements such as a drink station, you can host a brunch that everyone will love. And with easy, crowd-pleasing recipes like an Overnight Bagel and Egg Casserole made with Kraft Natural Cheese, you’ll have more time to relax and savor the moment with your guests.

2025-03-18T09:01:00

(BPT) – In 2025, wellness is about more than just what we eat or how we stay active — it’s a holistic approach that includes the way we drink. Today’s consumers are seeking quality, transparency and ingredients that align with their wellness goals, making more intentional choices about what they pour into their glass.

So, what defines a better drinking experience? Whether you’re toasting with friends, unwinding at home or simply prioritizing balance, every choice plays a role in overall well-being. And when it comes to alcohol, quality matters just as much as quantity. From knowing the ingredients in your glass to choosing spirits made with care for both people and the planet, here’s what sets organic tequila apart — and why it’s the better way to drink.

Know what’s in your glass

As more people choose to drink in moderation, the selection of what to drink becomes increasingly important. Wellness-conscious consumers are gravitating toward spirits with lower calorie content, reduced sugar and fewer congeners (impurities that contribute to hangovers), making tequila a preferred choice over vodka, whiskey and rum. However, most spirits don’t disclose their ingredients, leaving consumers unaware of potential additives or chemicals.

Organic tequila offers a solution to this uncertainty. Choosing brands like Casa Azul Orgánico Tequila, you know exactly what’s in your glass. Casa Azul Orgánico sets itself apart by offering complete transparency in its ingredients and production process. Made with just three ingredients — organic blue agave, yeast and water — Casa Azul Orgánico follows the rigorous USDA certification process to ensure that every sip is free from unnecessary additives and chemicals. This commitment to organic purity means you can trust that what you’re drinking is as pure as it gets.

What makes organic tequila superior?

A USDA-certified organic designation signifies more than just pesticide-free agave — it guarantees purity at every stage, from cultivation and fermentation to distillation, all while adhering to strict organic standards. Casa Azul Orgánico Tequila stands out for its exceptional purity, quality and sustainability, making it a superior choice over non-organic options. Here’s more on why organic tequila is the smarter, cleaner choice:

• Superior agave plants — Organic tequila begins with the highest-quality agave, cultivated without synthetic chemicals, pesticides or fertilizers. Growing organic agave takes patience — seven years on average — requiring careful attention and dedication. This results in agave that is not only healthier but also richer in natural flavors, delivering a truly authentic taste.
• Additive-free — While not all organic tequilas are additive-free, Casa Azul Orgánico goes beyond organic certification by ensuring its tequila contains no artificial additives or flavor enhancers. By relying on the natural quality of its agave, Casa Azul Orgánico delivers a clean and pure drinking experience with no unnecessary enhancements.
• Environmental responsibility — Organic farming practices promote soil health, reduce chemical runoff and conserve local ecosystems. Choosing organic tequila supports a cleaner planet and a more sustainable future.
• Quality from start to finish — Organic certification extends beyond the fields. Every step, from production to bottling, adheres to strict standards that prioritize cleanliness, sustainability and authenticity.

Sustainability from soil to sip

By choosing organic tequila, you’re making a choice that benefits both you and the planet. Casa Azul Orgánico blends time-honored distillation techniques with modern sustainability efforts, going beyond standard eco-friendly practices by integrating thoughtful initiatives throughout the production process.

Efficient water use and recycling methods help reduce waste and protect natural resources, while sustainable, organic farming eliminates synthetic pesticides and fertilizers, promoting healthier soil and supporting biodiversity. Additionally, eco-friendly packaging and responsible sourcing further reduce environmental impact, reinforcing a deep commitment to sustainability at every stage.

Drink better, live better

Mindful drinking is about more than just moderation — it’s about choosing quality over quantity, transparency over mystery and sustainability over shortcuts. With Casa Azul Orgánico, you’re not just enjoying premium tequila; you’re aligning your choices with your values.

So, raise your glass to a cleaner, smoother and more intentional way to enjoy tequila — because drinking well means living well.

Explore Casa Azul Orgánico’s three varieties — Blanco, Reposado and Añejo — at CasaAzulSpirits.com.

Please enjoy responsibly. If you or someone you know struggles with alcohol, visit Responsibility.org.

2025-03-17T13:51:00

(BPT) – If you drive during the winter, especially in climates where the temperature reaches below freezing, it’s important to know how to take care of your car so you can drive comfortably and safely.

Understanding how to maximize range and performance in cold conditions will ensure you drive with confidence — whether commuting to work or heading out for a winter weekend adventure. Check out these five expert tips from Ford to best prepare your electric vehicle for even the coldest conditions. More detailed tips can be found here.

1. Park your electric vehicle in a garage when possible

Protect your car from the harsh weather conditions outside by parking your electric vehicle in a garage. Maintaining a warm storage temperature will aid in vehicle and battery performance.

2. Remove all snow from the vehicle before driving

Removing all snow from your electric vehicle isn’t just important for visibility while driving; it also reduces weight and air resistance.

If your car has driver assistance technology, clearing snow off your electric vehicle is a must. The sensors and cameras must be free of snow to function properly.

3. Plug in your electric vehicle when parked for extended periods

Leaving your electric vehicle parked for a while? Whether you’re away on a trip or just parking your car at home overnight, it’s important to plug in your electric vehicle.

When the vehicle is plugged in during extended periods, the battery temperature is kept above freezing. Whether or not the vehicle is actively charging, plugging it in works to maintain battery health, optimize battery performance and prevent range loss.

If you purchase a Ford vehicle like the 2025 Mustang Mach-E, make sure to take advantage of the Ford Power Promise to set up your garage charging station. The program provides retail customers ordering any new Ford electric vehicle — including the Mustang Mach-E — with a complimentary home charger, standard installation and 24/7 access to a dedicated electric vehicle support adviser.

4. Set a departure time and precondition your vehicle

If you have a regular driving schedule, like a daily commute, aim to depart around the same time every day and precondition your car before driving.

Preconditioning your electric vehicle allows your battery to perform at its best by adjusting the battery temperature to an ideal state before you start driving or charging. This not only increases charging efficiency but also helps to ensure consistent vehicle performance.

If you have a Ford electric vehicle like the Mustang Mach-E or the F-150 Lightning, you can use the handy Departure Times feature on your FordPass app to precondition the battery and cabin at a set time every day. With zero tailpipe emissions, you can safely warm up the vehicle’s cabin while parked in the garage, so you can get into a warm cabin and set off to work in comfort.

5. Reduce energy consumption

If you’re on a weekend trip to the cabin or on a day trip to the lake or slopes, you may be worried about your car’s energy consumption. But fear not! You can reduce the energy used by your car’s HVAC with a few simple tricks. For instance, if your electric vehicle features heated seats and a heated steering wheel, use them as your primary source of heat while lowering the cabin temperature setting.

Travel cold, icy terrain with confidence

By following these five winter driving tips, you can ensure your electric vehicle can tackle any cold weather challenge. To learn more about Ford electric vehicles like the electric Mustang Mach-E, visit here.

2025-03-17T08:01:00

(BPT) – Ready to level up your kitchen game? If you don’t yet know about your next favorite cooking ingredient — almond oil — here’s your chance to catch up. Among all the kitchen staples, having tasty, versatile cooking oils in your pantry lineup is a must. And almond oil is a true gem among kitchen essentials for several reasons.

The flavor experts at SunnyGem Almond Oil share the benefits that will catapult almond oil to the top of your shopping list.

1. A delightfully healthy upgrade

If you’re looking for a healthy cooking oil to integrate into your meals, say hello to the goodness of SunnyGem Almond Oil. It’s 100% virgin and cold-pressed, using only beautiful edible almonds from California — with no preservatives or other additives.

Derived from almonds, which are known as a “superfood,” almond oil is naturally rich in antioxidants including vitamin E (great for supporting skin and hair health), omega-6 fatty acids and heart-healthy monounsaturated fats.

2. Enhance sweet and savory dishes

Almond oil is a versatile alternative to traditional cooking oils, perfect for everything from sautéing and roasting to baking delicious treats like zucchini or banana bread. Discover recipe inspiration to boost your culinary skills at SunnyGemOil.com.

3. The perfect foodie gift

Want to be the hit of the party? Show up with a gift that wows! SunnyGem Almond Oil, with its elegant packaging and gourmet quality, is the perfect way to impress your hosts, foodie friends or family. This trending kitchen staple is as beautiful as it is delicious.

4. Elevate mealtimes with chef-worthy dishes

Transform your everyday dishes into delicious gourmet masterpieces by choosing the best possible ingredients and opt for a premium cooking oil that sets the foundation for even more amazing flavor in all your culinary creations.

With a high smoke point of 450°F, SunnyGem Almond Oil is perfect for everything from sautéing and baking to roasting, grilling and drizzling over salads. It also makes a delicious marinade for meats and vegetables, adding a touch of gourmet flair to any dish. Try these two easy recipes for a standout weeknight dinner.

Almond Oil Vinaigrette
This zesty dressing will enhance the flavor of any kind of side salad.

Ingredients
1 tablespoon red wine vinegar
1 tablespoon lemon juice
1 tablespoon Dijon mustard
1 tablespoon fresh tarragon
Salt and pepper to taste
6 tablespoons SunnyGem Almond Oil

Directions
Mix vinegar, lemon juice, Dijon mustard and fresh tarragon, plus salt and pepper to taste.
Slowly stir in SunnyGem Almond Oil.
Pour over your favorite salad. Serves 2.

Citrus Chicken Marinade
Citrus adds the perfect balance to the herbs and spices in this easy, delicious chicken dish.

Ingredients
6 chicken breasts or thighs
1/4 cup fresh lime juice
1 teaspoon lime zest, finely grated
1/4 cup fresh lemon juice (approximately 2-3 lemons)
1 teaspoon lemon zest, finely grated
1/2 cup fresh orange juice
8 cloves garlic, minced
1/3 cup SunnyGem Almond Oil
1/2 teaspoon garlic powder
1/2 teaspoon onion powder
1 tablespoon sugar
2 teaspoons salt
1/2 teaspoon dried rosemary
1 teaspoon dried parsley
1 teaspoon dried basil

Directions
Zest one teaspoon of the lime and lemon. Set aside in small bowl. In another small bowl, combine fresh lime, lemon and orange juice. In blender or food processor, combine all ingredients and pulse until a uniform puree forms.
Pour marinade into a large plastic bag. Add chicken, seal bag and turn to coat. Allow chicken to marinate at least 20 minutes, or overnight.
Once ready, cook chicken according to appropriate cooking time and method (this will vary between thighs and breast).

5. Suitable for various dietary needs

Do you or a family member have special dietary needs or restrictions? SunnyGem Almond Oil has got you covered. Vegan, kosher, non-GMO and gluten-free — it checks all the boxes. Their almond oil is unrefined, which means it’s cold pressed with no heat, chemicals, additives or pesticides. Store in your pantry in a dry cool place, away from sunlight, and let the almond oil goodness shine through!

Learn more about how to create, cook and enjoy the magic of almond oil in every bite at SunnyGemOil.com. You can find this versatile pantry staple at grocery retailers nationwide, or enjoy free shipping and order at SunnyGemOil.com/collections/all.

2025-03-15T04:01:00

(BPT) – Being a parent is a gift. It expands your heart and mind in ways you never thought possible — and completely redefines your concept of what love can be.

But at its core, parenting is also an act of giving. When you have kids, you give up your time, you give up your money … Some days you just give up.

You devote your entire life to these ungrateful little angels, and how do they repay you? Sleepless nights, devastating-yet-accurate comments about your appearance, and an annual piece of handmade pasta jewelry (which, honestly, they could have spent a few more minutes on).

You deserve a gift. But your toddler is too self-centered to even think about buying you one (and he can’t shop online because his credit score is terrible). So if you want appreciation, you’re gonna need to appreciate yourself.

“But how?” you say. “I am my child’s full-time caregiver / janitor / chicken nugget concierge, and do not have the resources to spend a weekend getting rubbed at the spa by a Norwegian powerlifter.”

It’s possible — you just need to get creative.

Here are five affordable, time-conscious gifts that any parent can give themself.

1. Sensory deprivation bucket

Having kids can be very overstimulating. For roughly 18 hours a day, your home is filled with screaming and singing and fights about yogurt. So when the preschool pandemonium becomes too much to bear, just slide your head into a Sensory Deprivation Bucket and escape into a world of blissful nothingness.

It’s simple to make one of these. Just take a bucket (but not the one you keep in the hall closet for your kids to barf in) and line the inside with foam padding for sound/odor proofing. Then enjoy something parents rarely get: the amazing sensation of having no sensations. You will hear no yelling, see no Roblox, and smell no hot dog burps. Welcome to Nirvana.

2. Dumpster salad

You spend a lot of the day trying to fill your body with kale and organic juices and other things Instagram influencers claim will give you “dewy skin” (whatever that means), but everyone needs a cheat meal. While cheat meals are usually reserved for people who have been eating right and exercising, no court would convict a stressed-out parent for consuming the 12,000-calorie dietary abomination known as a “Dumpster Salad.” And it’s easy to prepare!

Just grab a mixing bowl and fill it with the most horrifyingly delicious foods you can find in your cabinets — donuts, salami, Skittles, etcetera — then drizzle it all with ranch dressing. Eat it with a shovel from your kids’ sandbox and never speak of this shameful event ever again.

3. Shower bourbon

Shower Bourbon is bourbon you can drink in the shower. For this, just pour yourself a glass of bourbon and take it in the shower. Once in the shower, you can drink the bourbon. (Please drink responsibly.)

4. Denial

Your kids lie to you every second of every day, so why not lie to yourself for a change? Convince yourself, however briefly, that one day raising kids will get easier. And you will have time to exercise. And after doing exactly six sit-ups, you will look just like your hot yoga instructor, Clay (whose ponytail smells like cinnamon).

5. Wow, You Look Terrible!

And, of course, the greatest gift a parent can give themself is the new comedy book Wow, You Look Terrible! How to Parent Less and Live More. It’s brimming with irreverent humor, a foreword by Jimmy Kimmel, and even more advice on how to claw your life back from the parenting process. Preorder it here.

2025-03-14T08:01:00

(BPT) – Spring sports are just around the corner. If you have young athletes, it’s time to think about what you’ll feed them so they can perform their best physically and stay sharp mentally.

Your secret weapon? Protein!

“Protein plays an important role in building muscle by providing your body with the building blocks needed to fuel recovery from physical activity,” said Amy Goodson, registered dietitian.

National Cattlemen’s Beef Association, a contractor to the Beef Checkoff, interviewed Goodson to find out how families can support the health and performance of their children and teens participating on and off the field this season. Check out her three tips for feeding your kids nutritious protein to support their growth, development, energy, focus and overall well-being.

1. Choose lean animal proteins

The type of protein you choose is critical to fueling your all-stars. The next time you’re in the grocery aisle, look for lean sources of animal protein.

“Animal proteins, like beef, are one of the most nutrient-dense, complete protein sources available, meaning they provide essential amino acids and, in turn, help your body maintain muscle,” said Goodson.

Eating lean proteins isn’t just good for your kids. Goodson points out that everyone in your family, young and old, can benefit. This is especially true if you regularly exercise.

“As you age, lean proteins fuel day-to-day stamina and are critical to helping adults live independently.”

2. Use the three-part plate rule

Shaping athletic and academic performance is as easy as 1-2-3! Goodson recommends using the three-part plate rule to ensure every meal you serve has all the necessary foods to fuel any activity.

The three-part plate rule is simple: Make one-third of your plate high-quality protein like lean beef to promote muscle building and recovery, one-third whole grain carbohydrate for sustained energy and one-third colorful fruits and veggies for added vitamins, minerals, antioxidants and hydration.

3. Double down on nutrition by serving beef

According to the latest Dietary Guidelines for Americans, many children and adolescents aren’t getting enough high-quality protein, iron, zinc, choline, and vitamins B6 and B12. This trend is especially alarming given the significant growth and development that happens during this life stage.¹

When you cook lean beef meals, you’re serving your family a nutrient-dense food that provides an all-star nutrient lineup of high-quality protein, iron, zinc, choline, selenium and B vitamins. It’s a grand slam for growing bodies and minds.^2-11

“Beef delivers high-quality protein along with a variety of essential nutrients,” said Goodson. “It’s also known for its great flavor and versatility in a variety of meals and dishes, which adds to overall meal satisfaction and helps you feel fuller longer and stay energized.”

To get you started on your weekly meal plan, try one (or all!) of Goodson’s favorite beef recipes.

Beef sticky buns

One of Goodson’s favorite morning meals to get you going is beef sticky buns. This recipe combines beef sausage, cheese and veggies, making it the ultimate savory breakfast that’s also good if you’re on the go.

Chimichurri steak wraps

A protein-packed lunch for the whole family is chimichurri steak wraps. It’s a fairly simple recipe. All you have to do is put steak, veggies and chimichurri sauce in a whole wheat tortilla and roll it up.

Pro tip: You can also serve a deconstructed version of this dish by packing the ingredients in a Bento box for a filling, on-the-go meal.

Braised brisket street-style tacos

Do you have a busy day ahead? Try this beef slow-cooker meal for braised brisket street-style tacos. It’s also a great recipe for any leftovers you might have stocked away.

Are you ready to make this spring semester a slam dunk? Use these expert tips to incorporate protein into your meal plan, and you’ll be well on your way to a winning season.

To find these recipes and more that will keep your kids fueled, visit BeefItsWhatsForDinner.com.

References

1. U.S. Department of Agriculture and U.S. Department of Health and Human Services, Dietary Guidelines for Americans, 2020-2025. 2020.

https://www.dietaryguidelines.gov/sites/default/files/2020-12/Dietary_Guidelines_for_Americans_2020-2025.pdf

2. American Academy of Pediatrics Committee on Nutrition, Pediatric Nutrition, 8th Ed, ed. Kleinman RE & Greer FR. 2019, Itasca, IL: American Academy of Pediatrics. 1688.

https://bpb-us-e1.wpmucdn.com/org.osu.edu/dist/d/449/files/2022/08/Pediatric-Nutrition.pdf

3. Schwarzenberg, S.J., M.K. Georgieff and Committee on Nutrition, Advocacy for improving nutrition in the first 1000 days to support childhood development and adult health. Pediatrics, 2018. 141(2).

https://pubmed.ncbi.nlm.nih.gov/29358479/

4. Gow, M.L., et al., Impact of dietary macronutrient distribution on BMI and cardiometabolic outcomes in overweight and obese children and adolescents: a systematic review. Nutr Rev, 2014. 72(7): p. 453-70.

https://pubmed.ncbi.nlm.nih.gov/24920422/

5. Hermoso, M., et al., The effect of iron on cognitive development and function in infants, children and adolescents: a systematic review. Ann Nutr Metab, 2011. 59(2-4): p. 154-65.

https://pubmed.ncbi.nlm.nih.gov/22142898/

6. Krebs, N.F., et al., Effects of different complementary feeding regimens on iron status and enteric microbiota in breastfed infants. J Pediatr, 2013. 163(2): p. 416-23.

https://pubmed.ncbi.nlm.nih.gov/23452586/

7. Michaelsen, K.F. and F.R. Greer, Protein needs early in life and long-term health. Am J Clin Nutr, 2014. 99(3): p. 718S-22S.

https://pubmed.ncbi.nlm.nih.gov/24452233/

8. Nyaradi, A., et al., The role of nutrition in children’s neurocognitive development, from pregnancy through childhood. Front Hum Neurosci, 2013. 7: p. 97.

https://pubmed.ncbi.nlm.nih.gov/23532379/

9. Prado, E.L. and K.G. Dewey, Nutrition and brain development in early life. Nutr Rev, 2014. 72(4): p. 267-84.

https://pubmed.ncbi.nlm.nih.gov/24684384/

10. Tang, M. and N.F. Krebs, High protein intake from meat as complementary food increases growth but not adiposity in breastfed infants: a randomized trial. Am J Clin Nutr, 2014. 100(5): p. 1322-8.

https://pubmed.ncbi.nlm.nih.gov/25332329/

11. Wallace, T.C., et al., Choline: The Underconsumed and Underappreciated Essential Nutrient. Nutr Today, 2018. 53(6): p. 240-253.

https://pubmed.ncbi.nlm.nih.gov/30853718/

12. Institute of Medicine. Dietary Reference Intakes for Vitamin A, Vitamin K, Arsenic, Boron, Chromium, Copper, Iodine, Iron, Manganese, Molybdenum, Nickel, Silicon, Vanadium and Zinc. Washington, DC: The National Academies Press, 2001.

https://pubmed.ncbi.nlm.nih.gov/25057538/

13. Layman DK, et al. Defining meal requirements for protein to optimize metabolic roles of amino acids. Am J Clin Nutr 2015;101:1330S-8S.

https://pubmed.ncbi.nlm.nih.gov/25926513/

2025-03-13T08:01:00

(BPT) – While financial goals for women have changed over the years, women still face unique challenges, especially those of the “sandwich generation” who spend time, energy and financial resources caring for both children and aging parents. Despite these challenges, Fidelity’s 2025 Financial Resolutions Study found that women are staying focused on the future, with 61% saying they’ll be better off financially in 2025 than they were in 2024.[1]

According to the study, 68% of women say they have a plan to reach their financial goals, and 80% say they plan to build emergency savings. For 2025, women’s top financial resolutions are to save more money (46%), pay down debt (41%) and spend less money (33%).

What strategies can help women attain their financial goals? Fidelity’s research highlights how women are focused on saving and planning for the future. In honor of Women’s History Month, here are key insights that can help women improve their financial health.

Find ways to juggle caregiving needs

41% of women caregivers describe their relationship with money as “stressful.” Caregiving responsibilities impact women even into retirement — with research showing women retirees are three times more likely than men to say they left work to care for loved ones.[2]

Despite these challenges, most women caregivers are looking to the future, with 81% planning to boost their emergency savings in 2025. Any savings you can build during these years will serve you well in the future.

Being a caregiver can be incredibly challenging, and it’s important not to go it alone. Many employers offer benefits that can help, including things like a group legal plan or mental health support.

If you do need to step away from the workforce, make sure you calculate the full cost of doing so. Consider not only your lost salary, but also lost years of retirement savings and Social Security credits. Make sure you also have a backup plan for obtaining health insurance and saving and investing for your retirement.

Strategies to tackle health care costs

Women can expect to spend an average of $175,000 on health care costs and medical expenses throughout retirement, which is more than 10% higher than men can expect to pay — up nearly 17% since 2019.[3] One-fourth of women say rising health care costs is one of their top financial concerns for 2025.

Make sure you’re taking advantage of employee benefits such as a health savings account (HSA) offered in conjunction with a high-deductible health plan, which can help cover health care costs during retirement. While Fidelity customer data shows that the number of women contributing to their HSA is on the rise,[4] women are less likely than men to invest those funds, leaving potential growth on the table. Encouragingly, among women who do invest their HSA funds, the top reason is to help grow a medical fund for retirement.[5]

Optimize workplace benefits

Women are more likely than men to say their employee benefits don’t meet their needs mostly due to the cost, inadequate coverage, difficulty understanding their benefits and difficulty getting specialty care.[6]

Contact your HR department to make sure you fully understand and use benefits that are available to you. You could find there are benefits you didn’t know about or are not taking full advantage of that could improve your situation.

Don’t put retirement planning on the back burner

While most women are focused on short-term financial goals this year, younger generations plan to increase their annual retirement savings contribution in 2025 (48% Gen Z, 45% Millennials)[7]. Half of the women who retired in 2024 took a phased approach to retirement by working part-time, taking on less responsibility or transitioning to more flexible work, signaling a shift to easing into retirement years.[8] Women are also significantly more likely than men to transition to retirement by working reduced hours or days.[9]

Make a plan for retirement now and your future self will thank you. Increasing your retirement savings contribution is one concrete way you can help ensure you’ll be in better shape for retirement — whatever that looks like for you.

Keep learning to improve your financial wellness

In recognition of Women’s History Month, Fidelity is gathering various accomplished women leaders for a free month-long event series to help inspire women to take the next step with their money and achieve their financial goals. Tune in to hear conversations about how to make the most of unexpected changes, women’s health needs and the costs associated with them — and how to create and achieve your life and career goals.

Fidelity’s Women Talk Money community offers a year-round forum for real talk about money, investing, careers and other topics through live events, on-demand content and other useful resources to help women take the next best steps with their finances. This resource is free for everyone to join.

*Unless stated otherwise, all datapoints cited are from Fidelity’s 2025 Financial Resolutions Study

Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.

Fidelity Investments and Fidelity are registered service marks of FMR LLC.

Views expressed are as of the date indicated, based on the information available at that time, and may change based on market or other conditions. Unless otherwise noted, the opinions provided are those of the speaker or author and not necessarily those of Fidelity Investments or its affiliates. Fidelity does not assume any duty to update any of the information.

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© 2025 FMR LLC. All rights reserved.

2025-03-13T08:01:00

(BPT) – Is creating a more energy-efficient, sustainable home important to you? If so, you’ll be glad to know that it’s possible to make your home more sustainable, while also helping you save money, simply through home appliance swaps. Using a greater proportion of electricity in your home can help decrease greenhouse gas emissions and help to achieve a cleaner environment.

Even better, there’s a new program that can help you get started with a financial boost. Beginning this year, the High Efficiency Appliance Rebate (HEAR) Program from the U.S. Department of Energy and your state energy office may cover up to 100% of the cost of certain electric appliances and HVAC equipment — with up to $14,000 in instant rebates per household. Eligibility, household income requirements and other important details are being finalized and may vary, depending on your state. In the meantime, you can use the calculator tool at the bottom of the page at LG.com/home-electrification to give you an estimate of how much you could be qualified to receive.

Here are four ways to consider upgrading to more energy-efficient appliances in your home, from the experts at LG Electronics.

1. Pump up the energy savings

Heating and cooling your home uses the most energy by far compared to all the other appliances you may own, so changing your HVAC system makes the biggest impact when it comes to both savings and the environment. For example, you can opt for an LG Inverter Heat Pump, which works on a closed loop refrigerant cycle that transfers heat using electricity to help conserve energy. The advanced inverter technology allows the heat pump to adjust the compressor frequency according to your home’s heating or cooling demands, resulting in improved energy efficiency and reduced power consumption compared to conventional HVAC systems.

2. Keep yourself in hot water

Like your HVAC system, water heaters are another significant energy drain on your household. To help you save on electrical consumption and meet your household’s needs for hot water at the same time, consider an LG Inverter Heat Pump Water Heater, which uses heat pump technology to minimize the need for supplemental electric resistance heat. Thanks to this technology, this kind of water heater is much more efficient than a traditional gas or electric water heater, making it an ideal solution for hot water in your home. Available in 58- and 80-gallon sizes, the LG Inverter Heat Pump Water Heater is the perfect replacement for your gas water heater.

3. Wash and dry efficiently and cleanly

If you’re looking to upgrade your laundry system, innovative laundry products, such as LG’s energy-saving washers and dryers with Inverter HeatPump™ technology, can significantly enhance your home’s energy efficiency. By adopting these appliances, you can reduce energy consumption by up to 60% per load. LG offers a range of options, including space-saving All-in-One washer and dryer combos that complete a full wash and dry cycle in as little as two hours. With Inverter HeatPump™ technology, you’re not only making your laundry process more efficient but also contributing to a greener, more sustainable home.

4. Safer, cleaner, faster cooking

You can elevate your cooking experience with energy-efficient induction technology, which is specially engineered to deliver power, speed, precision and responsiveness. Because it relies on electromagnetism, induction cooking also eliminates the dangers of hot surfaces or pollutants. Unlike radiant electric elements and gas burners, induction cooktops do not create heat. Instead, coils beneath the surface create a pulsating magnetic field, which generates heat directly in induction-compatible cookware. The result? Induction cooking is much faster, more precise and safer — plus three times more energy efficient than gas and about 5%-10% more efficient than radiant electric.*

Are you ready to make your home more sustainable and save money on energy costs? Visit LG.com/home-electrification to learn more.

*According to ENERGY STAR^®

2025-03-12T23:01:00

(BPT) – Do you have a health savings account (HSA)? If not, it may be time to consider establishing one.

An HSA is a tax-advantaged account you can use with an HSA-eligible health plan to pay or save for qualified medical expenses. In other words, it’s a tax-smart way to tackle your health care and create a strong foundation for your future health needs.

Read on to discover the three HSA features that can help you with taxes and grow your wealth to pay for other expenses down the line.

1. Triple tax advantage

One of the most useful HSA features is its triple tax advantage:

• First and foremost, because HSA contributions are tax-free, they can reduce your taxable income, allowing you to save money.
• Your contributions also grow tax-free, allowing you to save for expected and unforeseen medical expenses.
• Finally, contribution withdrawals for qualified medical expenses are also tax-free.

2. Rollover funds

Unlike an FSA, an HSA is not a use-it-or-lose-it tool. You don’t forfeit any money you don’t spend in a given year. The funds roll over year-to-year, and you’re never required to use them. You can simply let your money grow tax-free until you want or need to use it.

The money you put into your HSA stays yours no matter what. So, if you start an HSA account in conjunction with an employer-provided high-deductible health care plan, you can take that HSA money with you if you change jobs. You can also transfer the funds to another HSA account if needed. That’s why it’s one of the best ways to save for qualified medical expenses this year and for many years to come.

3. Contribution limits

Your HSA can be a powerful tool for your taxes and health care expenses as long as you know and follow the IRS’s rules for this type of account.

Each year, there are set limits on how much you can contribute to your HSA. For example, in 2024, contributions were capped up to $4,150 if you were covered by a high-deductible health plan just for yourself or $8,300 if you had coverage for your family.

Contribution limits change every year based on inflation. So, for the 2025 tax year, you can contribute up to $4,300 for yourself or $8,550 for your family. Also, at age 55, you can contribute an additional $1,000 a year.

Pay attention to the IRS contribution limits and contribute to your HSA ahead of the tax deadline to reduce your taxable income.

Are you ready to save?

If you’re ready to take advantage of these three HSA features, consider opening an account with Fidelity Investments.

Fidelity HSAs are rated #1 HSA by Morningstar for six years in a row. There’s no minimum balance to invest, and you’ll have access to the company’s brokerage platform, offering the widest range of options for any investor. Best of all, Fidelity HSA’s competitive cash rate — 4.04% (as of Feb. 19) — means your money always has potential to grow.

Whether you are saving for expenses now or investing for the future, Fidelity can help your money work harder for you. To learn more about how an HSA can help you this tax season and beyond, visit Fidelity.com/WhyHSA.

2025-03-12T15:33:00

(BPT) – If you want to do right by the planet and help make a difference, you can choose brands that align with your values — whether it’s sustainability, waste reduction, social responsibility, or all of the above. Every purchase is a chance to support what matters to you.

Before you buy, take the time to do a little research on companies you shop from, so your purchasing decisions reflect who you are and what you care about most. Look for brands that demonstrate a concerted effort to help the planet.

A commitment to the planet

One company that has taken positive steps toward a more sustainable future is Tom’s of Maine. Along with their natural oral care and personal care products, including their well-known toothpaste, mouthwash, soaps, and deodorant, the brand champions doing right by the planet.

“A thriving planet is essential for everyone,” said Cristiane Martini, Vice President and General Manager of Tom’s of Maine and North America Sustainability. “That’s why we’ve committed to responsible ingredient sourcing, reducing waste, and alternative packaging options. Every choice we make considers the long-term health of the environment.”

Here are some of the ways Tom’s of Maine is taking action:

Reducing emissions and waste

Tom’s of Maine has a goal of net zero greenhouse gas emissions by 2040, and has already procured 100% renewable electricity at their Sanford Manufacturing Plant. The company achieved TRUE^® certification for zero waste at their Sanford plant in 2024, which means 90% of their solid, non-hazardous waste is diverted from landfills, incineration (waste-to-energy), and the environment.

Plastic circularity

Imagine if your personal care products were made from last week’s yogurt cup? Well, Tom’s of Maine has made that a reality. While traditional deodorant packaging is made of virgin plastic, Tom’s of Maine redesigned the product to create a barrel made from 100% recycled material.

Tom’s of Maine is also working to reduce waste and make personal care products easier to recycle. In 2019, the company launched the first-of-its-kind recyclable toothpaste tube, designed to help keep tubes out of landfills and give them a second life. The company joined forces with Repurpose Global and The Recycling Partnership to expand access to recycling in communities that currently lack the necessary infrastructure.

“We’re working toward a more circular future where the plastic we put into the market is recycled,” said Michelle Waring, Steward for Sustainability and Everyday Good at Tom’s of Maine. “And we hope our actions will challenge others in the industry to advance their sustainability goals too.”

Tom’s of Maine’s sustainability goals

The company’s environmental goals are ambitious, reflecting their desire to effect real change.

• By 2025: Create alternative solutions in each product category that lead to plastic reductions, and support recycling collection efforts leading to recycling of an equivalent amount of plastic that they put into the market.

• By 2030: Use 100% sustainably sourced material including recycled content, certified sustainable fiber or biobased plastic.

• By 2040: Achieve net zero GHG emissions.

“We believe everyday actions create a positive impact for people and the planet,” said Waring. “That’s why we continue striving toward these sustainability goals and thoughtfully design all our products to be natural, and effective.”

What B Corp certification means

One thing to look for when seeking more environmentally responsible brands to shop from is whether they are B Corp certified, a distinction Tom’s of Maine has upheld since 2019. To achieve B Corp certification, a company undergoes a review of its social and environmental impact to meet standards of verified social and environmental performance, public transparency, and legal accountability to balance profit and purpose. This continued commitment demonstrates the philosophy and driving force behind the people and products at Tom’s of Maine.

“This certification reinforces our commitment to making business decisions that benefit everyone — from our consumers and employees to the communities we serve and the planet we all share,” said Rob Robinson, Director of Brand Impact at Tom’s of Maine.

What you can do

Making the world a better place starts with small, intentional choices — like choosing products with recyclable packaging and supporting brands that share your values. By consciously shopping from companies that prioritize the planet, you can help drive change. And with brands like Tom’s of Maine, you can be confident you’re choosing natural products that work.

Tom’s of Maine lives this commitment by reinvesting 10% of its annual profits into nonprofit organizations that are doing good in their community. For example, one of the brand’s programs is “Get into Nature,” a partnership with the National Recreation Foundation (NRF) that works to create more equitable access to outdoor recreation and foster deeper connections with nature across the United States. The program has supported over 80 local organizations, and the next cohort for the “Get into Nature” program will be announced in April 2025.

With Tom’s of Maine, every purchase contributes to actively supporting organizations working toward a healthier planet.

To learn more about Tom’s of Maine’s sustainability efforts, read the Tom’s of Maine Goodness Report, or visit TomsOfMaine.com.