Building Your Best Financial Future: Tips to Making the Most of Financial Planning Month

2024-10-01T09:31:00

(BPT) – By Christian Lau and Gene Perkins

October marks the beginning of Financial Planning Month, bringing attention to an important issue in the lives of many individuals and their families. Unfortunately, when it comes to finances a majority of Americans do not have a cohesive plan in place — recent data suggests that only about 36% of the population has any sort of written financial plan. This is completely understandable — many are intimidated by the idea of tackling a stressful and sensitive issue head-on, and even more have no idea where or how to start the process.

The good news is that it’s never too late to start building a financial plan. And with the end of the year approaching, now is an ideal time to take stock of your financial situation and take steps to mapping out a more successful financial future.

To help get you on track, here are a few things to consider when creating a financial plan.

  • Take it One Small Step at a Time. Financial planning is like any other project — getting started is often the hardest part. Rather than considering the entire planning process all at once, which can be extremely daunting, break it down into small, achievable steps. For example, start by making a simple list of your short- and long-term financial goals. Then consider what basic actions you need to take — such as saving and budgeting — to arrive at those goals. Don’t worry about tracking down years of receipts and tax forms. Those more advanced actions can be determined at a later point in the process and with the guidance of a professional.
  • Consider Your Household Balance Sheet. Once you have made an initial list of your short- and long-term goals, go a little deeper and consider your household “balance sheet.” This includes a slightly more detailed picture of income and expenditures; assets and liabilities; investments; and tax/titling considerations. Issues like estate taxes and family businesses may be included as part of this process.
  • Create a Cash Flow Analysis. After the household balance sheet has been created, a more granular cash flow analysis can help identify if you are overspending and need to put more money into savings or retirement accounts to meet your financial goals. Cash flow analysis is an especially important part of planning for a major purchase (home, car, college) or life transition, such as graduation, parenthood or retirement.
  • Consider a Financial Professional. Gone are the days when stockbrokers, advisors, and wealth managers were the domain of the elite and ultra-wealthy. Financial professionals nowadays are abundant, diverse, and ready to step in and help you get a plan together. What’s more, finding a qualified advisor that is suited to your unique situation has never been easier. There are subsets of professionals who specialize in specific disciplines — such as education, trusts and retirement planning — as well as professionals who serve specific demographic needs (elderly, single parents, young professionals and more). Start in your own network; ask friends, family members, and work colleagues if they have an advisor they would recommend.

Life can be unpredictable, but your financial future doesn’t have to be. This Financial Planning Month, take the opportunity to review your finances and goals with a trusted advisor. Now is the time to take that first step toward a more secure financial future. Reach out to Synovus to get started and to gain peace of mind.

Christian Lau is a Senior Financial Planner at Synovus Securities, Inc.

Gene Perkins is the Head of Private Wealth at Synovus Bank.

Disclosures:

Investment products and services provided by Synovus are offered through Synovus Securities, Inc. (“SSI”), Synovus Trust Company, N.A. (“STC”) and Creative Financial Group, a division of SSI. Trust services for Synovus are provided by Synovus Trust Company, N.A. The registered broker-dealer offering brokerage products for Synovus is Synovus Securities, Inc., member FINRA/SIPC and an SEC Registered Advisor. Investment products and services are not FDIC insured, are not deposits of or other obligations of Synovus Bank, are not guaranteed by Synovus Bank and involve investment risk, including possible loss of principal amount invested.

Synovus Securities, Inc. is a subsidiary of Synovus Financial Corp and an affiliate of Synovus Bank and Synovus Trust. Synovus Trust Company, N.A. is a subsidiary of Synovus Bank.

Synovus Bank, Member FDIC.

5 spooky reads perfect for a dark and stormy night

2024-10-01T07:01:00

(BPT) – As Halloween approaches, it’s the perfect time to curl up in front of a crackling fire on a dark and stormy night with a spooky read. Here are five spine-tingling books from National Geographic and Disney. They won’t scare you … much.

Go to Hell

Go To Hell book cover

By Erika Engelhaupt

Throughout history and across cultures, people have long been spellbound by what lies beyond our worldly realm. Now, in this first-of-its-kind travel guide, National Geographic invites readers to explore the world’s strangest and most hellish destinations. Filled to the brim with intrigue, lore, and plenty of brimstone and fire, readers can now add “hell” to their travel bucket list and embark on an unforgettable journey into Earth’s most mysterious and mythical places, including legendary portals to the underworld, “hells on Earth,” and our planet’s most otherworldly destinations.

Art of Coloring: The Haunted Mansion

Art of Coloring The Haunted Mansion book cover

by Disney Books

The legendary Haunted Mansion attraction and its ghoulish residents come (back) to life in this bewitching adult coloring book.

Scare up some fun coloring your way through whimsically macabre artwork of the ride’s grim grinning ghosts, scenes, and iconography. From Madame Leota, the Bride, and the Hatbox Ghost, to the Stretching Room, the Endless Hallway, the Graveyard, and beyond, there’s chilling fun for everyone—if you dare to venture inside.

Witches Run Amok: The Oral History of Disney’s Hocus Pocus

Witches Run Amok: Hocus Pocus The Oral History book cover

by Shannon Carlin

Hocus Pocus is a movie that has few, if any, equals; it manages to span a generational divide, uniting boomers and zoomers in their nostalgic love for the boundary-pushing supernatural comedy that, in some ways, seemed a little too risqué for its original intended audience of millennial kids. So how did a movie that didn’t catch an initial spark end up casting such a spell on mainstream culture? Witches Run Amok answers that question and more, through interviews from the cast and creative team behind the heartwarming Halloween staple. The book is a love letter to Hocus Pocus’s millions of devoted fans and a fascinating read for anyone who wants to understand how the Disney movie became a pop culture phenomenon.

The X-Files: Perihelion

The X-Files: Perihelion book cover

by Claudia Gray

Fox Mulder and Dana Scully are still reeling from the death of their son William as they struggle to find purpose away from the X-Files. Though their current relationship is tenuous, they hope to seize their second chance to be a family, despite the many questions surrounding Scully’s pregnancy.

Then the FBI asks for their help on a case that hits all too close to home: a serial killer in the Washington, DC, area is targeting pregnant women. The killer appears to possess an uncanny power over electricity, which is enough for the Bureau to re-open the X-Files—if Mulder and Scully are willing. They cautiously agree, committed to finding justice for the killer’s victims. But their return to the FBI sparks the interest of a shadowy cabal, the heirs to the now-dead Syndicate, and Mulder and Scully soon discover that what at first seemed to be just another X-File is connected to a worldwide threat on an unprecedented scale … one with their own future at its heart.

Tim Burton’s The Nightmare Before Christmas Visual Companion

Tim Burton's The Nightmare Before Christmas Visual Companion book cover

by David A. Bossert

A deep-dive reflection on the making of Tim Burton’s The Nightmare Before Christmas, this enchanting coffee table book features new interviews with the filmmakers and rare images from the Disney and Burton art collections.

Tim Burton’s The Nightmare Before Christmas was crafted as a piece of art: a visual masterpiece that blended together the genius of Tim Burton’s simple story and endearing characters with Danny Elfman’s eclectic music, Henry Selick’s stop-motion brilliance, Caroline Thompson’s heartfelt script, and the painstaking efforts of hundreds of artists, animators, and technicians—all wrapped in a world that only Burton could conjure up. Paired with stunning and never-before-released art and photography, this book transports readers into a one-of-a-kind retrospective journey detailing how Nightmare was thoughtfully crafted and all the ways in which the fan community worldwide has embraced the film ever since. This beautiful volume serves as the must-have book for fans of the film, artists and art collectors, and anyone who appreciates some frightfully good movie magic.

Celebrate Halloween this year with these spooky books. The trick is, they’re the real treat!

Master Fresh Mozzarella: Tips and Recipes for Cooking with Galbani Cheese This Fall

2024-10-01T08:01:00

(BPT) – As the leaves turn and the chill sets in, autumn is the perfect time to savor the rich, comforting dishes that define the season. Elevate your fall meals with Galbani Fresh Mozzarella, a versatile ingredient that effortlessly enhances your favorite recipes with its soft and milky texture and delightful flavor. Whether you’re preparing a cozy dinner, pizza, salad, or quick snack Galbani Fresh Mozzarella is your go-to ingredient for leveling up any meal.

Discover the ultimate fall comfort with these delicious recipes and tips from the mozzarella experts at Galbani Cheese, Italy’s #1 Cheese Brand:

Steak & Cheese Crostini with Autumn Chutney

Steak Crostini sliced and on a bread board in the kitchen.

Kick off fall gatherings with an elegant Steak & Cheese Crostini. Tender sirloin steak pairs with creamy Galbani Fresh Mozzarella, baby arugula, and a spiced chutney made with pears and cranberries.

Ingredients:

  • Chutney: 2 pears (diced), 1/4 cup dried cranberries, 1/4 cup apple cider vinegar, 1/3 cup light brown sugar, 1 minced shallot, 1/2 tsp. cinnamon, 1 tsp. grated ginger, 1/4 tsp. red pepper flakes.
  • Steak: 1 small sirloin steak, 1 Tbsp. olive oil, 1 tsp. Kosher salt, 1/2 tsp. black pepper.
  • Crostini: 6 slices of Galbani Fresh Mozzarella—halved, 1 thinly sliced baguette, 2 Tbsp. olive oil, 1/2 cup baby arugula.

Directions:

  • Chutney: Combine ingredients, and simmer until thick (15-20 minutes).
  • Steak: Season and cook in olive oil until medium rare (125-130°F).
  • Crostini: Bake baguette slices, add mozzarella and melt. Top with arugula, steak and chutney. Serve.

Fresh & Creamy Pumpkin Rigatoni

Pumpkin pasta in a cassorole dish on a bread board.

This dish combines spicy Italian sausage, tender kale and rich pumpkin sauce, with Galbani Fresh Mozzarella adding a creamy touch.

Ingredients

  • 16 oz. Galbani Fresh Mozzarella, 1 lb. rigatoni, 2 Tbsp. butter, 1 small onion, 2 cloves garlic, 3/4 lb. Italian sausage removed from casings, 2 cups kale, 3 cups chicken broth, 2 cups pumpkin puree, 1/4 cup heavy cream, 1/2 cup sour cream, 1/4 tsp. nutmeg, 1/4 tsp. cinnamon, 1 tsp. Kosher salt, 1/4 tsp. black pepper.

Directions:

  1. Preheat oven to 350°F. Cook pasta, drain.
  2. Sauté onion and garlic in butter, add sausage, cook until done. Add kale, broth, pumpkin, cream, sour cream and spices. Mix with pasta.
  3. Stir in half the mozzarella, transfer to a casserole dish, cover and bake for 25 minutes.
  4. Top with remaining mozzarella, broil until melted and browned.

Tips for Working with Fresh Mozzarella

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Working with fresh mozzarella can truly elevate your cooking, whether you’re crafting a vibrant salad or a hearty dish. To help you make the most of Galbani Fresh Mozzarella this season, here are some expert tips:

  • Storage and Freshness: To keep your fresh mozzarella at its best after opening, store it in an airtight container in the refrigerator.
  • Understanding Fresh vs. Regular Mozzarella: Galbani fresh mozzarella has a higher moisture content, resulting in a creamy, smooth texture that’s ideal for adding richness to dishes. It’s perfect when melted to elevate pizzas, pasta and paninis. In contrast, Galbani’s regular mozzarella is firmer and better suited for shredding and slicing.

For a simple way to elevate your fall dishes, let Galbani Fresh Mozzarella be the creamy secret ingredient your recipes have been missing. Discover more recipes and tips at galbanicheese.com/FallForFresh.

New study: Half of Americans feel tied to their emails on vacation

2024-10-01T08:31:00

(BPT) – Unlimited PTO tops the “workplace wishlist” for many employees, with 1 in 5 Americans saying they’d decline a new job if it didn’t offer the benefit, according to new Empower research. More than 2 in 5 say all companies should offer unlimited PTO (43%), but despite the popularity, there’s not much difference in the amount of time taken off per year, on average: 16 days for those with unlimited and 14 days for those with a limited policy. A two-day difference is small, especially when half (50%) say they’d take off more time if they had an unlimited policy, while nearly 1 in 4 say they’d take less time off (23%).

Over 4 in 5 workers (85%) say using their PTO to go on vacation increases their happiness, but 35% feel anxious requesting the time off. Nearly half of full-time employees (49%) check their work emails while on PTO, and 42% answer them. In the past year, close to 1 in 5 say they’ve taken a vacation without using PTO days or telling their supervisor; on average, they admit to doing so four times.

PTO perks & policies

When it comes to PTO, some employees believe it’s tied to time on the job: 77% say the more tenure a person has at a company, the more PTO they should get, and 37% believe unlimited PTO should only be available to more tenured staff. Over 4 in 10 say new employees should have to wait a year before qualifying for unlimited PTO.

Gen Zers are more likely to support unlimited PTO policies, with 51% believing that all companies should offer it, compared to 32% of Baby Boomers.

PTO strategies and the 4-day workweek

Half of people (51%) strategically schedule their PTO days around national holidays to make the most of their PTO usage. About a third (32%) use their PTO to visit destinations where they may want to retire.

Four-day workweeks are also an attractive benefit, with 16% of employees saying they wouldn’t accept a new job without this perk. One in 4 full-time employees are willing to take a pay cut for this arrangement. Of them, 11% say they’d take a cut of over $1,000, and 5% say they’d give up more than $5,000 for the privilege. Gen Zers show the most interest in taking a pay cut for this benefit (31%), and Millennials are most likely to consider taking a cut of over $5,000 (6%) to enjoy a four-day workweek.

Most desired employee benefits

More than a quarter (26%) would consider a lower-paying job if it offered unlimited PTO, while nearly 1 in 5 wouldn’t accept a new job without it (19%). On average, employees need at least 15 PTO days annually to consider taking a new job.

Methodology

Empower surveyed 1,028 full-time employees on July 24, 2024.

RO3817048-0924

Looking to protect your family’s financial future? What you need to know about life insurance

2024-10-01T06:01:00

(BPT) – A topic that many people find challenging to understand and even talk about is life insurance. However, having life insurance is like any other kind of insurance — it offers peace of mind and financial protection in case something unexpected happens in the future.

In the 2024 Insurance Barometer from the Life Insurance Marketing and Research Association (LIMRA), while just over half (51%) of American adults said they have some type of life insurance coverage, 42% say they need life insuranceand 22% say they do not have enough coverage.

The good news for anyone who needs more insurance (or would like more coverage) is that it’s most likely easier to navigate, purchase, and pay for life insurance than you think. In addition, features such as a no-fee electronic funds transfer (EFT), which is offered by Boston Mutual Life, make the process even more seamless.

What’s holding so many people back from having a financial safeguard against the unexpected?

Why don’t people have life insurance?

The LIMRA study uncovered the top 3 reasons preventing people from buying life insurance (or having enough of it):

  • The belief that it’s too expensive.
  • Having other financial priorities.
  • Not being sure what type they need or how much to buy.

Fortunately, these reasons may not be as big of a hurdle for you as many believe. Here’s why:

Most people overestimate the cost

In the LIMRA study, 72% overestimated the true cost of a basic term life insurance policy. In fact, the overestimate from all respondents totaled over 3 times the actual price. Where did they get the idea life insurance would be much more expensive than it really is? Over half (54%) said their estimate was based on a “gut instinct” or “wild guess.”

To learn the actual cost of life insurance for you, contact a local insurance professional. It may surprise you how much more affordable it is to get the peace of mind you’re looking for.

Navigating financial priorities

It’s understandable for people of all ages to have feelings of financial insecurity. While those feelings pervaded all demographic groups in the LIMRA study, almost two-thirds (62%) of the people who currently own life insurance reported feeling financially secure, compared to the feelings of less than half (46%) of those who do not own life insurance.

In fact, for those earning a household income between $50,000-$150,000 per year, those who own life insurance were 20% more likely to feel secure than those who do not.

Financial obligations and priorities may vary for each family, but the top five financial concerns revealed in the LIMRA study have remained consistent for a number of years:

  • Having enough money for retirement
  • Paying for long-term care
  • Saving for an emergency fund
  • Supporting oneself if disabled or too sick to work
  • Paying for emergency medical expenses

Many of these concerns can be addressed through investing in whole life insurance. Whole life insurance is permanent life insurance that provides protection for your entire life and offers financial support through a claims payout to your beneficiary (or beneficiaries) at the time of your passing. But in addition to that protection, whole life insurance also accumulates a cash value that you can access during your lifetime if you need it for expenses such as buying a home, paying for college, or settling debts.

What kind of insurance will best protect you and your family?

It can be confusing to know what kind of insurance to purchase, and how much. Every individual and family situation can be unique, so it’s important to consult an insurance professional about your specific needs. In addition, ensure that you’re making the most of all the insurance benefits provided by your employer by talking to your HR representative. You can also find information about insurance options that can provide peace of mind and future financial protection at BostonMutual.com.

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Expert tips to save you money heating your home

2024-09-30T12:01:00

(BPT) – As the days get shorter and cooler, it’s the perfect time to turn your attention to your heating system. Before it gets too chilly, you’ll want your HVAC system to be in great condition — clean, tuned up and ready to go.

The pros at Aire Serv, a Neighborly company, offer safety and money-saving tips so your home will be comfortable during the colder days to come.

Check the basics

Experts recommend periodic checks that all heating and return vents around your home are unobstructed. Making sure furniture and other items don’t block air from moving freely means a consistent temperature from room to room, and your furnace won’t have to work as hard.

Also, clear areas around your water heater, clothes dryer (including the vent) and fireplaces to reduce the risk of fire and other hazards.

Pro tip: Close your fireplace damper when not in use, so warm air can’t escape.

Schedule your fall tune-up

Even if you consider yourself handy, it’s best to have a trained HVAC service professional perform the tune-up and cleaning so your HVAC system and furnace can operate efficiently — saving you money on energy bills all year, keeping your home more comfortable and ensuring the system is safe.

Don’t wait for the first frigid day to get your furnace serviced, as many service professionals receive increased calls during extremely cold days due to system breakdowns. A fall service means you’ll have prioritized service and have no down time. And definitely don’t wait until noticing things like bad smells to call your service professional. While it may be normal to smell burning dust at the beginning of the season, it could also be a warning sign of a dangerous problem.

Consider a duct cleaning service to clear dust and debris from your home’s heating ducts. Experts recommend that with some exceptions, duct cleaning should be completed every 3-5 years.

Remember: If you smell gas, leave your home immediately and call 911, then contact your service professional.

Change your furnace filter frequently

If you can’t recall the last time you changed the furnace filter, chances are it’s overdue. Experts recommend swapping HVAC air filters every 30 to 90 days to ensure no dust or debris builds up in your system.

When air can flow freely through the unit, your system doesn’t need to work as hard to heat your home. This translates to lower energy bills and a fresher home. If anyone in your family struggles with asthma or allergies, prioritize this task, and consider changing the filter more frequently — especially when pollen is high.

Pro tip: Write the date on the side of your filter when you change it and put a reminder for the next swap on your calendar.

Thermostats make a difference

To help save money on heating costs, take time to learn how your thermostat works. Turning down your thermostat is one of the most effective ways to save on heating: You can save approximately 15% of your heating bill just by lowering heat 7 degrees over an eight-hour period.

It’s common to react to short-term temperature changes by bumping it up and down, but constant changes cost more. If you don’t have one, get a programmable thermostat so you can “set it and forget it.” Set lower temps when you’re away from your home or asleep, but no lower than 67 degrees, to prevent issues like freezing pipes.

Pro tip: If your HVAC system isn’t working well despite regular maintenance and cleaning, your thermostat could be the culprit. Upgrading to a new programmable thermostat, or smart thermostat you can operate from your phone, could be a great step toward a more efficient heating system.

Consider HVAC upgrades

If you have an older furnace, you may want to consider a new, more energy-efficient unit. Most older homes have ducted systems, but ductless heating systems (also called ductless mini-split systems) have an outdoor compressor connected to multiple indoor units so you can heat or cool specific zones or rooms.

Your service technician can help you learn the pros and cons of each system and assess issues like purchase price versus operating expense, your home’s floor plan, existing ductwork and aesthetic differences.

Dislike dry air in your home? The answer could be a whole-home humidifier. Furnace heating systems can cause havoc on your skin, making air dry and difficult to breathe — and negatively impact wooden furniture. A furnace humidifier installed on your furnace can distribute moistened air equally throughout your home.

To learn more and find an experienced Aire Serv service professional to help keep your home warm, safe and comfortable, visit AireServ.com/tune-up.

Caring for older adults during extreme weather

2024-09-30T07:01:00

(BPT) – Over the past 20 years, the world has witnessed a staggering rise in extreme weather events. According to a 2020 report from the United Nations Office for Disaster Risk Reduction the dramatic increase is largely fueled by rising global temperatures and other climatic changes. These weather trends pose a serious threat to populations worldwide, but especially to vulnerable groups like older adults.

During heat waves, floods, fires, hurricanes, droughts and cold spells, older adults are at significant risk for respiratory, cardiovascular and psychological harm due to existing health conditions like compromised immune systems, dementia and limited mobility.

This problem will only be exacerbated by the “silver tsunami” of Baby Boomers. By 2030, one-fifth of the country’s population will be over age 65, with the fastest-growing segment being ethnic minorities.

“Anyone caring for vulnerable older adults must be knowledgeable about the health effects of climate change events,” said Dr. Ann Kriebel-Gasparro, a Walden University nursing faculty member and president of the Gerontological Advanced Practice Nurses Association.

Heat waves and droughts

Heat waves, heat domes and droughts can lead to poor air quality that worsens lung conditions in elderly patients with asthma, chronic obstructive pulmonary disease (COPD) and allergies. Also, hotter climates increase the risk of dehydration, stressing the cardiovascular and renal systems and leading to kidney failure.

Older people tend to have decreased thirst perception and may take medications that put them at risk for dehydration and heat-related illnesses on normal temperature days. During high-heat days, they may experience a medical emergency like heat stroke, characterized by a temperature of 104° F, nausea/vomiting, dizziness, confusion, blurry vision and falling.

Wildfires

Wildfires pose another significant threat to older adults, particularly those in low-income areas with limited resources to evacuate or relocate to new housing. If they have to stay in an area with an active wildfire, the smoke can contribute to respiratory challenges. In the aftermath, ash that contains hydrocarbons and heavy metals pollutes the water and land, making the area practically unlivable.

Mold

Longer rainy seasons and increased flooding foster the growth of indoor and outdoor molds and fungi. Mold doesn’t just smell unpleasant. It can exacerbate allergies, asthma, emphysema and COPD, increasing the need for emergency services and hospitalizations.

Improving care through education

No one on their own can stop climate change. However, practical steps can be taken to assess and tend to older adults in the face of health threats during extreme weather.

Anyone caring for an elderly person should review medications for ones that can worsen the impact of extreme temperatures and take time to evaluate their living conditions. Older adults on fixed incomes may experience food insecurity and can’t stock up on provisions in case of a disaster. Additionally, their homes may be unprepared for a climate change event.

During a serious weather event, healthcare providers can evaluate older adults via telehealth services. Doing so allows patients to receive care without enduring environmental factors to get to appointments.

Finally, it’s important to educate older adults about steps they can take to mitigate their risks during extreme weather events. For example, they should be reminded of the importance of drinking water even if they’re not thirsty. Not only does this help them avoid dehydration during a typical day, but it can help reduce the risk of urinary tract infections, renal damage and heat stroke during high temperatures.

Raising awareness among healthcare professionals

Because traditional nursing curricula include little content about the health impacts of climate change on older people, Dr. Kriebel-Gasparro and her nursing colleagues at Walden University are weaving these topics into their course materials. She says, “It is essential that healthcare providers have the knowledge to evaluate this age group for presentations of heat stress, heat stroke, dehydration, acute kidney injury, and cardiorespiratory illness brought on by extreme temperatures.”

By equipping nursing students with the knowledge and skills needed to care for older adults during environmental crises, the university is creating a new generation of healthcare providers that can make a significant difference during these unprecedented times. To learn more about the Walden University nursing curriculum, visit WaldenU.edu.

3 important facts about farmed salmon from Chile

2024-09-30T14:31:00

(BPT) – There are many reasons to feel good about consuming farmed salmon from Chile. According to researchers, farmed salmon is one of the healthiest and most environmentally friendly proteins you can eat. The USDA recommends that Americans increase consumption of fatty fish like salmon as part of a healthy diet. To learn more, here are some truths about farmed salmon that help set the record straight.

Farmed salmon: A sustainable animal protein when it comes to emissions

As the planet warms and the global population grows, producing food as sustainably as possible is important. The National Oceanic and Atmospheric Administration reports that less than 2% of the world’s oceans are dedicated to aquaculture yet farmed salmon has the lowest carbon footprint of all animal proteins.

This is because research from Johns Hopkins University found that farmed salmon — including salmon from Chile — contains more edible protein than other animals while requiring less feed and other inputs to grow. This makes salmon’s environmental impact four times smaller than pork’s and eight times smaller than cattle’s. According to a 2018 analysis by the National Centre for Scientific Research, farmed salmon produces fewer greenhouse gas emissions per 100 grams of protein (5.98 kg) than beef (49.9 kg).

Salmon’s overlooked health benefits

Chilean salmon is a nutritional powerhouse packed with high-quality protein and important nutrients, such as vitamin D and anti-inflammatory omega-3 fats. Research from the American Journal of Clinical Nutrition shows that eating fatty fish like salmon may decrease the risk for heart disease, some autoimmune conditions, depression and cognitive decline, while improving eye health and sleep quality.

Because of these many benefits, the USDA’s 2020 Dietary Guidelines recommend that Americans consume seafood two to three times per week, yet 80% of the adult population falls short of meeting that recommendation. The Food and Drug Administration considers farmed salmon a safe choice for the whole family, including pregnant women and children, thanks to its low levels of mercury and exceptionally high omega-3 fat content.

The world needs more aquaculture, not less — according to the U.N.

Aquaculture can help protect the ocean from overfishing, preserving important marine species, while also helping to feed a global population expected to reach 10 billion people by 2050. That’s precisely why organizations like the United Nations are working to expand global aquaculture, including salmon production. The UN’s “blue transformation” aims to increase global aquaculture production between 35% and 40% by 2030.

As salmon farmers work toward this sustainability goal, they are constantly improving their practices to keep fish healthy and safeguard the oceans they depend on. Examples include vaccination programs to prevent disease spread and extensive monitoring programs to ensure optimal conditions for the fish they raise. To hold itself accountable, the industry has partnered with conservation groups to help each farm adhere to these high environmental standards.

To learn more, visit ChileanSalmon.org.

Living Boldly with Glioma: Jennifer’s Story of Resilience

2024-09-30T08:31:00

(BPT) – One woman shares her story of hope living with a rare and aggressive brain cancer.

Jennifer’s* story begins in a small town in Alabama where she was born into a loving family. From a very young age, it was clear that she had a tenacious spirit and a fierce determination to make the most of her life.

She excelled academically, poured her heart into sports, and always aimed to better herself and those around her. With a clear vision for her future, she aspired to become an attorney. Marriage and children were not part of her plan.

“I always said I was never going to get married or have kids. I was going to be a lawyer and help people who couldn’t help themselves,” Jennifer said. “But life had other plans for me.”

She met a man who completely captured her heart. They got married, and together they built a beautiful life. She ended up changing her career path, earning an MBA instead of a law degree, and her husband secured a job as an engineer. Together, they built their family by having three boys. They instilled in their children the values of volunteerism and community, creating a nurturing and enriching family environment.

Their life was vibrant and fulfilling, with every day bringing new joys and challenges. But in 2015, when Jennifer was 40 years old and her children were ages 11, 8 and 4, their journey took an unexpected turn. One day, Jennifer felt what she described as “off” and looked in the mirror to find that half her face was paralyzed. She brushed it off and told her husband she was going to see a nurse practitioner. What seemed like what she called a “minor inconvenience” turned into a whirlwind of events as Jennifer was advised to go to the emergency room immediately.

“I remember thinking, ‘I don’t have a stroke. I just ran a 5K that morning. I have a meeting to attend,'” Jennifer recalls. “But when I got to the ER, things got serious quickly.”

At the ER, it was discovered that Jennifer had a lesion on her brain. The news was shocking and surreal. She, a strong and healthy person who lived life at full speed, couldn’t fathom having a possible brain tumor. But reality set in. Despite the gravity of the situation, Jennifer remained positive and determined.

“I couldn’t believe it,” Jennifer said. “Me? A brain tumor? It seemed impossible.”

Through a surgical resection, the lesion was identified as glioma, a rare brain cancer. She later found out that she had a specific type of glioma with an IDH­-mutation.

Jen with her husband and her young family on vacation.

Jennifer and her family before her diagnosis.

“A glioma is a type of tumor that develops in the brain or spinal cord. The overwhelming majority of all primary malignant brain tumors are gliomas,” said Dr. Rimas V. Lukas, a neuro­-oncologist and Associate Chief of Neuro­-Oncology, Northwestern Feinberg School of Medicine. Note, Dr. Lukas was not Jennifer’s healthcare provider. “Of those, approximately 20 percent harbor what’s known as a mutation in the genes encoding isocitrate dehydrogenase, or IDH.”

IDH­-mutant gliomas are malignant and incurable brain tumors that continue to grow and relentlessly infiltrate the brain, even after surgery. Symptoms of glioma vary from patient to patient and are influenced by tumor type and location. Both before and after a glioma diagnosis, patients may experience a wide range of symptoms including changes in mental function, speech difficulties, new weakness or numbness in one or more body parts, seizures, headache, nausea and vomiting.

“IDH­-mutant glioma is a relatively overlooked and generally understudied patient population,” added Dr. Lukas. “Approximately 2,400 patients a year are diagnosed with this aggressive cancer, but there are likely many living with these tumors, either receiving active treatment or being followed clinically and radiographically on what physicians call a ‘watch and wait,’ or active surveillance, protocol.”

Jennifer’s journey took her out of her local hospital and into a larger one in a nearby city, where she met her neuro­-oncologist for the first time. Her neuro­-oncologist was a true partner to her from the start and someone who she described as “patient, treated me with respect and cared about who I was as a person.” He confirmed the diagnosis because of her age and extensive surgical resection, and instead of prescribing immediate radiation and chemotherapy, placed her on a “watch and wait” protocol. For her, this meant regular MRIs and close monitoring of the tumor’s progression before considering more aggressive forms of treatment.

During this journey, she reconnected with Tara, a former colleague and mother of four daughters, who, coincidentally, had also been diagnosed with a rare brain cancer and was seeking treatment at the same hospital as Jennifer. Tara and Jennifer became each other’s pillars of support. They turned doctor visits into opportunities for camaraderie, sharing laughs and tears along the way.

“Tara and I became each other’s rock,” Jennifer explains. “We turned hospital visits into moments of strength and support, knowing we were in this together.”

Jennifer’s outlook on life changed. She focused on creating memories with her children, ensuring they always remembered her as a loving and fun mother. She took them on trips, engaged in activities they loved, and lived each day to the fullest. She also made practical decisions, ensuring her family’s future was secure financially.

“I took my kids on every adventure I could think of,” Jennifer says. “From road trips to the beach to visiting zoos, I wanted to create as many memories as possible.”

As the days passed, the reality of her condition weighed heavily on Jennifer, but her spirit remained unbroken. Jennifer had a Grade 2 glioma, and the time had come for her to consider more aggressive treatment options.

Jennifer vividly remembers the day she was about to start radiation. As she was being prepped, a nurse suddenly entered the room, bringing everything to a halt.

Wait,” the nurse said urgently. “The doctor has news for you.”

The doctor told Jennifer about a new trial, INDIGO, specifically designed for patients with IDH­-mutant gliomas.

The INDIGO trial was investigating a new oral therapy at the time, Voranigo® (vorasidenib).

See below for additional Important Safety Information, including the benefits and risks of Voranigo® (vorasidenib). Click here for Prescribing Information and discuss with your doctor.

With her neuro­oncologist’s guidance and an understanding of the benefits and risks of Voranigo, Jennifer quickly enrolled in the INDIGO study.

“I was both excited and nervous,” Jennifer recalled.

The journey was challenging, but Jennifer’s unwavering determination and the support of her loved ones carried her through.

While Jennifer was participating in the clinical trial, her friend Tara faced her own challenges. Tara’s condition worsened, and she did not survive the cancer. Jennifer was heartbroken by the loss of her friend but continued to draw strength from the bond they had shared.

“Tara’s passing was a profound loss,” Jennifer said. “She was my rock, and I miss her every day. But her memory drives me to keep fighting and to live fully.”

Today, Jennifer’s brain tumor progression has slowed.

Jen, her husband and her three sons in an apple orchard.

“Every day, I feel grateful,” Jennifer said. “Life is precious, and I’m determined to make the most of every moment. I dream of holding my future grandchildren one day. Despite my condition, I’m thinking about the adventures ahead and hope to take a Mediterranean vacation with my husband soon.”

Dr. Lukas stated: “We are now entering a new era in the treatment of IDH­-mutant gliomas, with the recent approval of the first targeted therapy for this patient population.”

Voranigo, which was approved in the U.S. on August 6, 2024, is an isocitrate dehydrogenase­-1 (IDH1) and isocitrate dehydrogenase­-2 (IDH2) inhibitor, indicated for the treatment of adult and pediatric patients 12 years and older with Grade 2 astrocytoma or oligodendroglioma with a susceptible IDH1 or IDH2 mutation following surgery including biopsy, sub­total resection, or gross total resection.

The approval of Voranigo is supported by results from the pivotal Phase 3 INDIGO clinical trial published in The New England Journal of Medicine and presented at the 2023 ASCO plenary, which showed that Voranigo significantly extended progression-­free survival and time­-to-­next intervention, when compared to placebo.

“There are benefits and risks associated with Voranigo. It is important for patients to speak with a doctor to learn more,” said Dr. Lukas.

For more information about Voranigo, please visit www.Voranigo.com.

*Jennifer is a paid consultant for Servier in the U.S. Last name withheld to protect personal privacy.

**Dr. Rimas Lukas is a paid consultant for Servier in the U.S.

What is VORANIGO?

VORANIGO (40 mg tablets) is a prescription medicine used to treat adults and children 12 years of age and older with certain types of brain tumors called astrocytoma or oligodendroglioma with an isocitrate dehydrogenase-­1 (IDH1) or isocitrate dehydrogenase-­2 (IDH2) mutation, following surgery. Your healthcare provider will perform a test to make sure that VORANIGO is right for you. It is not known if VORANIGO is safe and effective in children under 12 years of age.

What are the possible side effects of VORANIGO?

VORANIGO may cause serious side effects, including:

  • Liver problems. Changes in liver function blood tests may happen during treatment with VORANIGO and can be serious. Your healthcare provider will do blood tests to check your liver function before and during treatment with VORANIGO. Tell your healthcare provider right away if you develop any of the following signs and symptoms of liver problems:
    • yellowing of your skin or the white part of your eyes (jaundice) dark tea­-colored urine
    • loss of appetite
    • pain on the upper right side of your stomach area feeling very tired or weak

The most common side effects of VORANIGO include:

  • increased liver enzyme levels in the blood
  • lack of energy, tiredness
  • headache
  • COVID­-19
  • muscle aches or stiffness
  • diarrhea
  • nausea
  • seizure

Your healthcare provider may change your dose, temporarily stop, or permanently stop treatment with VORANIGO if you have certain side effects.

VORANIGO may affect fertility in females and males, which may affect the ability to have children. Talk to your healthcare provider if this is a concern for you.

These are not all of the possible side effects of VORANIGO.

Before taking VORANIGO, tell your healthcare provider about all of your medical conditions, including if you:

  • have liver problems
  • have kidney problems or are on dialysis
  • smoke tobacco
  • are pregnant or plan to become pregnant. VORANIGO can harm your unborn baby

Females who are able to become pregnant:

  • Your healthcare provider will do a pregnancy test before you start treatment with VORANIGO
  • You should use effective nonhormonal birth control during treatment with VORANIGO and for 3 months after the last dose. VORANIGO may affect how hormonal contraceptives (birth control) work and cause them to not work well. Talk to your healthcare provider about birth control methods that may be right for you during treatment with VORANIGO
  • Tell your healthcare provider right away if you become pregnant or think you may be pregnant during treatment with VORANIGO

Males with female partners who are able to become pregnant:

  • You should use effective birth control during treatment with VORANIGO and for 3 months after the last dose
  • Tell your healthcare provider right away if your partner becomes pregnant or thinks she may be pregnant during your treatment with VORANIGO

Tell your healthcare provider if you are breastfeeding or plan to breastfeed. It is not known if VORANIGO passes into breast milk. Do not breastfeed during treatment with VORANIGO and for 2 months after the last dose.

Tell your healthcare provider about all the medicines you take, including prescription and over-­the-­counter medicines, vitamins, and herbal supplements. VORANIGO may affect the way other medicines work, and other medicines may affect how VORANIGO works.

Please see Full Prescribing Information.

US-03323v1.0 09/24

What you need to know about electrical safety in your home this fall and winter

2024-09-30T12:01:00

(BPT) – The fall and winter months bring many challenges to homeowners. Temperature changes and storms can overload the power grid and interrupt your electrical service, but did you know how you use electricity at home daily can also cause overloaded circuits?

For the fall and winter seasons, the professional electricians at Mr. Electric, a Neighborly Company, share tips to help you and your family stay prepared, warm and safe throughout the colder seasons.

Preventing dangerous circuit overloads

It’s probably happened to you: You’re running the dishwasher, then use the microwave, and suddenly, you’re in the dark. It may not be a big deal if you have a modern circuit breaker — you just go to your electrical panel and flip the tripped circuit breaker back on. But that’s not the whole story.

Overloading an electrical circuit by using too many appliances on one circuit is common but can cause problems. If it happens frequently, it could mean your system can’t keep up with your home’s electrical demands. Potential hazards caused by overloaded circuits may include fires, fried wiring, destroyed devices, and electrical shocks.

The best way to ensure your electrical system can handle your home’s current demands is by having a professional, trained electrician conduct a Home Safety Check. When Mr. Electric does a Home Safety Check, they conduct a thorough exam of your electrical system to make sure electrical wires, systems and components meet legal safety standards using the National Electrical Code (NEC) as their primary guideline. This is important for the safety of your home and everyone in it and will offer you peace of mind.

After completing a Home Safety Check, your Mr. Electric service professional will provide a detailed, prioritized checklist of areas needing immediate attention, plus recommendations for improvements and potential upgrades.

Weathering any storm

Being prepared for severe wintry weather involves many preparations. You can start by keeping up with the latest weather forecasts in your area, checking and restocking your home’s emergency kit, and reviewing your family’s emergency plans. You’ll also want to check your property’s exterior to ensure your roof, windows, and nearby trees are in good shape before storms bring wind, rain, snow, or other weather-related issues your way.

An electrical Home Safety Check can help determine how prepared your system is for potential severe weather during the winter months. One of the most common—and potentially most dangerous—aspects of these storms can be power outages due to high winds, fallen tree limbs, ice storms, and more. While a short-term power outage is inconvenient, it doesn’t take long for a nuisance to turn into a serious situation, especially when temperatures are frigid.

A whole-house generator can be a lifesaver to help protect your home from power outages no matter the season. Whenever the power goes out, a whole-house generator provides all the power needed to maintain your electricity, keeping your household safe, warm, and functioning through any storm.

The next question is, what type and size generator is best for your home? To help you determine the right generator for your home’s needs, you may want to consult a Mr. Electric service professional. They can help determine the wattage required for all your appliances so you’re not underestimating or overestimating the size of the generator needed. Getting the best fit for your home is important for safety, and can save money in the long run. A professional electrician can also ensure your generator is properly maintained for years to come.

After the storm

Following severe weather, schedule an electrical safety inspection to ease your mind about potential unseen issues. Always ask a professional before trying to fix or operate storm-damaged electrical devices.

Another way to protect your home from the consequences of outages is with a whole house surge protector. During a power outage, the loss of power is later followed by a sudden surge when power is restored — which is enough to overload your home’s electrical system. Without a whole house surge protector, your electronics can get fried, including everything from your TV and microwave to large appliances. A whole house surge protector helps protect all your electronics and appliances.

Weather is unpredictable, and being unprepared for severe weather can be serious. Take steps now to be better prepared when severe weather strikes. Mr. Electric has the experience and expertise to help prepare your home to keep your family safe, so visit MrElectric.com/prepared to find a trained, experienced electrician near you.