Thai culture lit up Times Square in September. Now the trade work begins.

2024-09-12T12:37:00

(BPT) – The vibrant culture of Thailand took center stage in New York’s Times Square this September with the Ignite Thailand Festival — a groundbreaking event that immersed New Yorkers and visitors with all the innovations coming out of Thailand, from the bright colors, flavors and lifestyle brands to fashion, music, and dance. Supported by the Department of International Trade Promotion for the Ministry of Commerce of Thailand, the festival was more than just a celebration of Thai culture; it was a way to showcase all of Thailand’s innovative products and brands.

Leading the charge was Permanent Secretary Vuttikrai Leewiraphan, who headed a delegation to New York City to participate in a series of high-profile meetings and events. His presence underscored the importance of this initiative, which seeks to boost Thailand’s footprint in the U.S. market.

Man at a podium speaking to a group of people at the Ignite Thailand Festival.
Photo courtesy Donovan David Lee

“I am truly honored to have had the opportunity to be in Times Square, the epicenter of New York City, for the inaugural Ignite Thailand Festival. This event will significantly enhance trade opportunities in the U.S. market and reinforce Thailand’s image as a reliable trade partner and a leading exporter of world-class products,” said Permanent Secretary Vuttikrai Leewiraphan. “Our goal was to dazzle all attendees with the sights, sounds, tastes, and talents of all things Thailand. We wanted to show everyone our ideas and capabilities — our resources and style.”

The Ignite Thailand Festival is a strategic initiative to showcase Thailand’s high-quality products and innovative spirit. From inventive culinary delights to high-quality goods, this festival was everyone’s chance to discover why Thai products are celebrated worldwide. Alongside traditional music, theater, dance performances, and showcases from world-class Thai brands, the event underscored Thailand’s dedication to being a trusted and innovative partner in global commerce.

This aligned with the “Think Thailand, Next Level” campaign, which aimed to position Thailand as a leading source of lifestyle products, exceptional cuisine, and cutting-edge innovations. “We have had steady growth in trade between Thailand and the U.S. for decades, but now it is time to turn up the heat. It is time to ‘Trade up to Thailand.’ The Think Thailand, Next Level campaign is a mindset to surprise, overdeliver, and delight — with a smile. Thailand, we don’t just slice our fruit; we create works of art,” said Permanent Secretary Vuttikrai Leewiraphan.

The festival brought together culinary delights from celebrity chefs like Chef Arnold Myint, known for his memorable run on Top Chef; Chef Bao Bao, a recent star on Food Networks Chopped Legends; and Chef Hong Thaimee, a celebrated Thai chef. Attendees savored dishes from nine Thai Select certified restaurants, refreshing coconut water, tasty Thai snacks, Mama noodles, and Thai energy drinks. Chef Myint added humor to his hosting while enlightening the crowd on the exceptional quality of Thai products. Moreover, some fun activities lined up to truly experience Thailand in New York, including showcased traditional Thai dance performances and a Muay Thai demonstration. This festival perfectly showcased Thailand’s culinary scene’s richness and vibrant culture.

That wasn’t all. Given New York City’s significance in fashion and lifestyle, especially during New York Fashion Week, “The Treasure” project introduced talented Thai designers to the New York market and helped them strengthen their brand in this market.

“We are committed to increasing Thailand’s presence in the U.S. market, making more Thai products available to consumers, and solidifying our reputation as a trusted trade partner. I am here, permanently, to make things easy, just what you wanted products. Thai Trade Center under the Thai Ministry of Commerce was chartered to serve you daily — as are our four centers throughout the U.S., Miami, Chicago, Los Angeles, and New York,” Mr. Leewiraphan said.

Large group of Thailand festival attendees near vendor booths in New York.
Photo courtesy Aen Fong

With the momentum generated in New York, the Ministry of Commerce plans to expand the “Think Thailand, Next Level” campaign to other key cities worldwide, further solidifying Thailand’s reputation as a trusted trade partner and a hub of innovation and quality.

Looking to the future, the Ministry of Commerce, Thailand, plans to build on the momentum from the Ignite Thailand Festival to expand the “Think Thailand, Next Level” campaign to other cities around the world.

For more details on the Ignite Thailand Festival and Thailand’s ongoing trade initiatives, visit ThaiTradeUSA.com.

Top photo courtesy Aen Fong

LG’s Vision for AI-Driven Homes Powered by Affectionate Intelligence

2024-09-12T08:01:00

By Lyu Jae-cheol, President of LG Electronics Home Appliance & Air Solution Company

(BPT) – The global market for smart home technology is experiencing unprecedented growth, due in no small part to the rapid advancements in artificial intelligence (AI). Boasting the ability to learn from people’s device-usage patterns and preferences, AI-powered home solutions can provide highly personalized experiences tailored to each customer’s unique needs.

LG is at the forefront of this trend, setting new standards and creating new possibilities and value with its advanced AI technology. Earlier this year, the company redefined AI as “Affectionate Intelligence,” emphasizing its commitment to creating empathetic and caring AI that delivers unique customer experiences. At IFA 2024, LG unveiled its vision for the future of home living under the theme “Experience, Affectionate Intelligence Home.” The company’s Berlin showcase highlighted how AI can transform everyday life by anticipating and meeting customers’ needs in a variety of different situations and scenarios.

IFA 2024 saw the debut of LG’s latest AI Home solutions, designed to bring the convenience and freedom of the “Zero Labor Home.” Offering far more than just simplified device control and connectivity, Affectionate Intelligence introduces empathy and care to the smart home environment, enhancing customers’ quality of life in myriad ways.

Central to LG’s vision is LG ThinQ ON, an AI hub that seamlessly orchestrates the operation of all smart devices in the home. Through ThinQ ON and innovations such as the LG Self-Driving AI Home Hub, LG’s booth gave IFA attendees an opportunity to see firsthand how AI can help create a comfortable and connected home experience. Individually and collectively, the company’s innovations exemplify the concept of Affectionate Intelligence, where AI not only responds to commands but also understands and evolves to meet changing needs.

Firstly, LG AI Home provides “Conversational Interactions,” allowing users to control home appliances and Internet of Things (IoT) devices with voice commands alone. The brain of LG AI Home is the company’s generative AI agent, FURON, which integrates advanced large language models (LLMs) such as OpenAI’s GPT-4 Omni. FURON combines learning and contextual understanding with real-time spatial sensing and user lifestyle data to optimize the home environment for each user.

As an example of how this works in practice, if a user says, “Hi LG, I’m going to sleep. Please turn off any devices that are still running,” the AI Home Hub will assess the situation and respond accordingly, such as offering to turn off the dryer if it has nearly finished its cycle. The hub can also tailor the environment for a good night’s sleep by playing the user’s preferred relaxation music and dimming the lights.

Additionally, FURON learns user preferences for different device settings, remembering and applying them at the appropriate times for personalized comfort and convenience. Designed with flexibility, FURON can incorporate additional LLMs to evolve with new technological developments.

LG AI Home also offers an “Upgradability” feature, allowing users to upgrade their existing appliances into AI-powered devices, delivering the convenience and comfort of LG AI Home while saving them the expense of buying newer models. For example, connecting a non-AI TV and an occupancy sensor to ThinQ ON allows LG’s intelligent system to pause content when the user leaves the room and resume it upon return. Similarly, connecting an air conditioner and a sensor enables automatic adjustment of airflow strength and direction based on the user’s position within the room.

LG has been at the forefront of smart appliance innovation since 2011 when it added Wi-Fi modules to its home appliances. Continuing its leadership, the company introduced ThinQ UP, leveraging on-device AI chips and appliance-specific operating systems for feature upgrades and peak operational performance. These customer-centric innovations enable conventional appliances to “evolve” into AI-powered ones, improving daily life and solidifying LG’s leadership in AI home solutions.

Finally, LG AI Home offers “Extensive Connectivity” with various global brands’ appliances and IoT devices, working smoothly with all kinds of apps, including calendars, transportation services and online shopping platforms. Users can effortlessly manage their schedules, control household devices and receive real-time updates for a more personalized and connected home experience.

LG is continuing to expand the LG AI Home ecosystem. Through its acquisition of smart home company Athom, LG has ensured that ThinQ ON can connect with over 50,000 devices and IoT appliances and is compatible with more than 1,000 third-party apps. This presents users with a wider range of smart home solutions and services to choose from, giving them the freedom to create the convenient home lifestyle they’ve always dreamed of.

While LG’s AI solutions work in perfect harmony to help realize the company’s Zero Labor Home vision — where household chores are automated, and people have more time to relax and enjoy life — the LG Shield security system vigilantly protects customer data around the clock.

A leader in AI home solutions, LG will continue to push the boundaries of customer-centric innovation. Before the end of this year, LG plans to introduce IoT devices, including motion and light sensors, air quality sensors, temperature and humidity sensors, and smart plugs, all designed to integrate perfectly with ThinQ ON. Customers will be able to purchase an AI Home package featuring these new devices with professional installation by qualified technicians. In addition, ThinQ ON will add support for the Athom ecosystem, allowing users to connect their AI home to an even more extensive array of products and services from other brands.

LG’s Affectionate Intelligence will soon extend beyond the home, connecting different spaces in people’s lives, from cars to commercial environments such as hotels and offices. The company is committed to creating a sustainable future where its intelligent and caring AI technology is always there, working autonomously and proactively to enhance every experience.

Are EVs and hybrids more expensive to insure than ICE vehicles? Mercury Insurance expert explains

2024-09-12T11:31:00

(BPT) – With a variety of powertrain options on the market, consumers who are shopping for a new vehicle have a lot to mull over these days. Buy another internal combustion engine (ICE) vehicle? Go fully electric? What about a hybrid? Regardless of vehicle type, it’s important for shoppers to understand the total cost of ownership before making a commitment, as this will help minimize unexpected expenses and headaches down the road.

“The ‘total cost of ownership’ equation includes factors like insurance premiums, fuel efficiency, repair expenses and home charging infrastructure if purchasing an electric vehicle (EV), among other aspects,” said Chong Gao, director of product management R&D at Mercury Insurance. “An EV, for example, might seem appealing for its expected fuel savings and lower maintenance costs, but insurance for them is on average 20% higher compared with an ICE vehicle, and they are typically more expensive to insure than hybrids as well. However, as more people adopt EVs and insurance companies gather more data in the future, their insurance costs will likely even out.”

When deciding between an ICE vehicle, hybrid or EV, here are some important distinctions to keep in mind:

Fueling/charging costs: Because hybrid vehicles have both a gas engine and electric motor, they are more fuel efficient than strictly ICE vehicles, as they can switch between the two motors while driving. Additionally, hybrids never need to be plugged in because the battery is recharged via the gas engine, eliminating the need to install home charging or navigate public chargers.

When it comes to charging EVs, the Department of Energy reports that about 80% of all charging is done at home, which J.D. Power notes is the ultimate convenience and most satisfying aspect of EV ownership. There are two types of EV charging solutions available for the home, both detailed at caranddriver.com. Consumers should be aware that they will need to consult an electrician to install a Level 2 charger, but some states and localities offer incentives to help cover the cost. Consumers should also be aware that satisfaction with public EV charging overall is still poor, according to many industry reports.

Maintenance: When it comes to maintenance for ICE and hybrid vehicles, there are several upkeep items that can add to the cost of ownership over time, such as air filters, oil changes and tire rotations. Both require similar maintenance schedules and incur comparable costs. One notable exception is that a hybrid’s battery will eventually need replacement, which can be costly, but U.S. law requires that all hybrids come with battery warranties of at least eight years or 100,000 miles, which should offer consumers peace of mind if they plan to keep the vehicle over the long term.

EVs, on the other hand, do not need many of these routine services as they lack an internal combustion engine, pistons, valves and moving parts. This can result in lower routine repair and maintenance costs compared with ICE and hybrid vehicles, but J.D. Power reports that EV owners replace tires more frequently than others. And like hybrids, the EV battery will also need to be replaced down the road, but all new EVs come with a generous battery warranty.

Insurance: While EVs may offer a number of advantages in terms of reduced maintenance and fueling costs, the cost of insurance might offset these potential savings. “EVs cost more to insure versus their ICE counterparts because they generally cost more to buy, and consequently more to repair or replace,” said Stephen Crewdson, senior director of insurance business intelligence at J.D. Power. “And while today’s EVs have fewer moving parts, it can be costly when they need replacement. If the battery pack is damaged, for example, the battery itself is a large expense and certain safety protocols are often necessary, which leads to a higher repair bill. Plus, there aren’t as many repair shops with technicians trained to work on EVs, which means these facilities can charge more for the specialized knowledge they provide.”

“The best vehicle type for a particular consumer will ultimately come down to budget, lifestyle factors and personal preference. Hybrids serve as a great bridge between ICE and EVs by offering fuel efficiency and a reduced carbon footprint for consumers who aren’t yet ready to make the leap to an EV,” said Gao.

Classroom to dorm room: The best laptops for every student

2024-09-12T11:01:00

(BPT) – Are you ready for your next semester? There are plenty of school supplies you’ll need to get this summer, but there’s one that you shouldn’t overlook: Your laptop.

A laptop isn’t just another electronic device. It empowers you to complete your coursework and kick back with your own projects or downtime activities.

A new consideration to keep in mind since you bought a laptop is support for AI enhanced features. Laptops designed with AI in mind can help you take your school work (and other areas of your life) to the next level.

When looking for AI-powered laptops, choose those built with the Snapdragon X Elite Platform. Its powerful, intelligent and efficient processor offers cutting-edge responsiveness, so you can navigate demanding multi-tasking workloads across productivity, creativity, immersive entertainment and more.

Not sure where to start? Check out these five Snapdragon X Elite-powered laptops that cater to every type of student.

1. Lenovo Yoga Slim 7x

Artists of any media can unlock the freedom of creativity with the Lenovo Yoga Slim 7x. This powerhouse isn’t just smart. It’s your creative sidekick powered by AI that knows what you need before you do, streamlining creative tasks. This 14-inch laptop weighs just under 3 pounds, so you can create on the fly anywhere you go!

The Snapdragon X Elite processor allows the Yoga Slim to deliver top-tier performance while cutting power consumption by 68%. On one single charge, you can enjoy multi-day battery life allowing your creativity to flow for multiple days without a break.

2. HP OmniBook X

If you need help focusing on everyday tasks and want to increase your productivity, check out the HP OmniBook X. Utilize AI assistive technology to receive customized recommendations that adapt to your needs, habits and preferences. Enjoy multi-day battery life and HP Fast Charge, and stop worrying about interrupting your workflow. When you’re ready to relax with a movie or game, the Qualcomm Adreno GPU offers high-performance graphics and rich user experiences.

The OmniBook X is also perfect for distance learning and digital collaboration. Windows Studio Effects and Copilot+ collaboration tools (powered by Snapdragon X Elite Processor) facilitate crisp and clear conversations. Auto-adjust lighting, creative filters, eye contact enhancement, voice focus and a 5MP (16:10) camera ensure you can showcase your ideas to the classroom, collaborators and the world.

3. Samsung Galaxy Book4 Edge 16

If you’re constantly switching between phone and laptop at school and work, choose the Samsung Galaxy Book4 Edge 16. It offers users the ultimate connected experience, backed with Wi-Fi 72 readiness for quick and seamless cross-device connectivity. The hybrid approach allows you to control your Galaxy AI phone. Call, text, set reminders and more from the convenience of your PC.

Need to watch an international webinar or chat with others overseas? With Automatic Life Captions, you can get accurate subtitles in real time. With translations of 44 languages into English, you can leap over language barriers to learn and communicate worldwide.

4. Dell XPS 13

Do you need a computer for school, work, art and play? The Dell XPS 13 is the all-terrain vehicle of laptops that allows you to do it all. The Copilot+ on-device AI makes it easy to shop online, plan your next vacation and kick-start research for your class project in just a matter of minutes. Paired with 4K streaming and lossless audio, you can watch, share and create from anywhere with ease.

Thanks to the Snapdragon X Elite processor, you can enjoy cutting-edge responsiveness and unmatched speed for navigating demanding multitasking workloads with enhanced security and efficiency. It’s effortless to switch between multiple tasks, whether it’s productivity, browsers, video conferencing, collaboration or multimedia.

5. MSFT Surface Pro 11

If you want the best of both worlds, opt for the MSFT Surface Pro 11. What sets the Surface Pro apart from other 2-in-1 laptops/tablets is its flexibility.

The keyboard can be used when attached or detached, allowing you to position the device and keyboard to suit your needs. So, whether you’re taking notes in class, typing up a term paper or taking a break with a digital sketchbook, the Surface Pro adapts your life, however and wherever you use it.

This flexible and powerful 2-in-1 is built with Snapdragon X Elite. Like the other Snapdragon laptops, you can enjoy the AI-accelerated power and lightning-fast speed to keep up with you all day long.

Are you ready to buy your next laptop and level up your next semester? You can purchase any of these laptops direct from the manufacturer or online and in person at your local Best Buy.

Battery life varies significantly based on device, settings, usage, and other factors.

Rise, Dine and Shine: Discover How to Better Your Breakfast When Traveling

2024-09-12T07:15:00

(BPT) – This September is Better Breakfast Month, making it a perfect time to celebrate the meal that kicks off the day. The U.S. government encouraged citizens to eat better, well-balanced breakfasts during World War I. In 1951, the initiative gained momentum when the Cereal Institute boosted it in September as children returned to school and businesses ramped up following the slower summer months.

Research consistently shows that a healthy breakfast helps boost concentration, energy, and mood, setting a positive tone for the day. For many business and leisure travelers, breakfast may feel daunting due to the uncertainty of what their hotel offers — or doesn’t. Known for its signature made-to-order breakfast, Embassy Suites by Hilton is proving that hotel breakfast doesn’t have to be just a meal — it can be a launchpad for a day of success. Designed to energize your body, satisfy cravings, and accommodate varying dietary needs and preferences, Embassy Suites delivers a complimentary hot breakfast every morning to ensure you can start your day feeling ready to take on the world.

The brand’s signature made-to-order omelets, eggs the way you like them, and other breakfast favorites offer a deliciously personalized experience. Embassy Suites guests have enjoyed a whopping 2,431 miles of bacon in the past year, alongside more than 560,000 bagels and eight million sausages. And here’s a tasty tidbit: the chefs at each hotel crack an average of 116 eggs every single hour!

Here’s why Embassy Suites’ breakfast stands out from the rest and powers you for the day:

Be Welcomed by the Friendly Team: For many, breakfast may be the first interaction of the day. When staying at Embassy Suites, you are greeted by friendly, approachable team members, such as the chef and breakfast attendants. Embassy Suites team members aim to make a difference and build meaningful connections every day through their dedicated service — during breakfast and beyond.

Customize Your Made-To-Order Omelets: There’s nothing like made-to-order omelets or eggs the way you like them to kickstart your mornings on a flavorful and nutritious note. Perfect for those looking to add zest to their day, you can choose from a variety of fresh ingredients, including spinach, mushrooms, ham and cheese, for a personalized breakfast.

Expansive Omelette station at the Hilton featuring: eggs, peppers, onions and mushrooms.

Choose from an Expansive Breakfast Selection: Travelers have various dietary needs, preferences and lifestyles, which may change day to day. Every morning, the robust breakfast spread offers something for everyone and you can choose delicious items to create a morning meal that suits your unique tastes.

Enjoy Hearty and Nourishing Options: Whether you’re looking for a well-balanced breakfast or have food allergies or dietary restrictions, you can maintain your wellness routine and dietary needs with nutritious items like fresh fruit, yogurt, oatmeal and more.

Relax and Eat in an Inviting Breakfast Area: Finding relaxing and inviting spaces to sit down, eat and prepare for the day ahead is important. With an upscale and contemporary atmosphere, you can enjoy your morning meal in comfort and ease at Embassy Suites.

Breakfast continues to be a beloved, signature part of the stay experience, which is why Embassy Suites is donating to World Central Kitchen during Better Breakfast Month to help support communities impacted by disasters worldwide.

Whether you’re traveling for leisure or business, Embassy Suites has perfected the art of breakfast by surpassing ordinary expectations.

Family having fun eating omelletes together at the Hilton.

5 recipes to ease into the back-to-school season

2024-09-11T07:01:00

(BPT) – Fall is here and so is the back-to-school season. This is a busy time of year for families, and breakfast can often be forgotten in the hustle and bustle of weekday mornings.

To help you make your mornings brighter and your taste buds happier, KitchenAid, the #1 mixer brand in the world¹, offers five delightful recipes to keep your family fueled all morning long. These flavorful breakfast creations are perfect for busy mornings as well as cozy weekends.

1. 4-Ingredient Banana Pancakes

When you need a quick, no-fuss breakfast, try this four-ingredient banana pancake recipe. All you need is bananas, eggs, almond flour and sour cream.

Use the KitchenAid Go™ Cordless Hand Mixer to quickly combine the ingredients. With up to 60 minutes of continuous runtime² and no cord getting in the way, you can mix your ingredients at the counter, table or anywhere in the kitchen.

You can easily make this simple yet tasty breakfast recipe during a busy school and workweek in about 25 minutes!

Pro-tip: Use ripe bananas with lots of brown spots. They’re easier to mash and create much more flavorful pancakes.

2. Cherry Cream Cheese Breakfast Pastries

Cherry cream cheese breakfast pastries are a great breakfast item you can enjoy hot or cold. The pastries take about 40 minutes to make, so you can bake them in the morning or prep the night before and warm them in the oven before school and work.

Use the KitchenAid® Stand Mixer, a must-have for cooking and baking, especially for busy families. This 5.5-quart bowl-lift stand mixer offers professional-style performance, 11 speeds (including 1/2 speed) and is compatible with over 10 attachments (sold separately), so you can fold, knead, mix, shred or beat whatever ingredients you need.

Serve the pastries for breakfast or Sunday brunch, or pack them for lunch as a sweet treat for your kids (or yourself!).

3. Banana Bread

Banana bread is a classic breakfast item that can be enjoyed as part of a complete breakfast, on its own or as an accompaniment to your coffee. Like banana pancakes, you’ll want to use ripe bananas for a more flavorful bread.

Combining the ingredients takes little time when using your Stand Mixer flat beater attachment. Because the banana bread takes over an hour to bake, it’s best to make them during the weekends. The recipe makes 24 servings, so you can easily make, bake and freeze the banana bread so your family can enjoy it all week long.

4. Waffles

Waffles are a timeless breakfast, and it’s easy to see why. They’re quick to make (about 20 minutes) and are infinitely customizable. Gather your family’s favorite toppings like chocolate syrup, maple syrup and whipped cream. Don’t forget to offer fresh fruit like blueberries, sliced strawberries or bananas!

Using your Stand Mixer or KitchenAid Go™ Cordless Hand Mixer, you can quickly and completely combine the ingredients before pouring the resulting batter into the waffle maker. You can save even more time by making the batter ahead of time and refrigerating it so all you have to do on a busy morning is to cook the batter in the waffle maker.

5. Pumpkin Muffins

Make the back-to-school season easier and celebrate the arrival of fall with pumpkin muffins! This is also a great recipe to try using your KitchenAid Go™ Cordless Hand Mixer and Stand Mixer to complete different tasks.

In your Stand Mixer, beat wet ingredients and sugar together. While the ingredients combine, use your KitchenAid Go™ Cordless Hand Mixer to combine dry ingredients in a separate bowl. After combining the wet and dry ingredients, toss in cranberries for a sweet and sour taste before pouring the batter into muffin tins lined with cups.

Once baked, you’ll have about 16 servings to enjoy right away or warm up the next morning.

Pro tip: Try adding cinnamon, cardamom or nutmeg to spice up muffins. Pumpkin has a sweet yet demure flavor that combines well with spices.

Let these five delicious breakfast recipes inspire you to add a creative and tasty twist to your morning routine this back-to-school season, throughout the fall and year-round. For more recipes, visit the KitchenAid page on Yummly.com.

Footnotes:

¹ Source Euromonitor International Limited; based on custom research conducted Oct. 2023 for value sales (in USD) in 2023 through all retail channels

² Maximum initial battery voltage (measured without a workload) is 12 volts. Nominal voltage is 10.8. Actual run time will vary based on recipe and/or attachments used. Battery life impacted by factors such as battery age and use.

Boost your health this fall with 5 expert tips

2024-09-11T07:05:00

(BPT) – Do you find that your health and fitness take a back seat during the fall and winter months? As the temperatures drop and the days grow shorter, it can be difficult to motivate yourself to make healthy choices that support your well-being.

Instead of throwing in the towel, get ahead of the sluggishness of the colder months by taking proactive steps to prioritize wellness. Check out these five expert tips that can help you thrive this fall and winter with ease.

1. Set a smart routine

One of the best ways to set yourself up for health and fitness success during fall and winter is by establishing and maintaining a routine. For example, waking up and going to sleep at the same time each day can help ensure you’re getting enough rest every day.

That said, new routines can be hard to get into at the beginning. To help you toward your goal, set alarms and reminders on your phone or other devices to remind you when to go to bed and wake up. You can do the same to remind you to get some exercise and any other health and fitness goals you may have.

2. Caffeinate (wisely)

Caffeine can provide a needed boost of energy to start your morning on the right foot or help you stay focused during the afternoon. However, be careful how much caffeine you ingest. Too much caffeine can make you jittery and can disrupt your sleep patterns, leading to tiredness, stress and anxiety.

Instead of reaching for a cup of Joe or an energy drink, consider an exact or more controlled delivery and vitamin packed option like AdvoCare’s Spark powdered energy supplement. Each sugar-free stick pack offers 120 milligrams of caffeine, b vitamins and minerals that enhance mental focus and elevate energy levels. Available online or at CVS in 12 delicious flavors, Spark is your convenient and flavorful solution for sustained energy at home or on the go. To learn more, visit advocare.com/BrandptSpark.

3. Get moving

Even during the colder months, it’s important to move your body every day. The weather may prevent you from going on a walk or jogging outside, but you can still engage in an indoor workout for daily exercise.

Any activity will do. If you’re a social butterfly, a dance or group fitness class can make working out more fun, which may make it easier to do more consistently. If you want to pair exercise with mindfulness and meditation, yoga may be more your speed. Don’t worry if you can’t fit in an hour of exercise every day. Any amount of physical activity is better than none and help you feel better.

4. Double down on nutrition and immune support

Eating a balanced diet with a variety of nutrient-rich foods is key to maintaining your health and wellness. A well-rounded diet is especially important during fall and winter to boost your immunity during flu season. However, even the most balanced diets have nutritional gaps, so consider adding a nutritional supplement to your daily routine.

You could take pill supplements, but a convenient and tasty way to support your nutrition and immune system is with Spark. In addition to a moderate dose of caffeine, each dose contains vitamins A, B, C and E, zinc, copper, chromium and other vitamins that support a healthy immune system.

5. Manage stress

Stress is an inevitable part of life. Some stress can even be positive when managed properly to help motivate you to achieve your goals or meet a deadline. However, prolonged periods of stress can negatively affect your physical and mental health. For example, you may find that when you’re stressed you adopt poor eating and sleeping habits.

Try out different stress management strategies to keep your stress in check. Mindfulness techniques like meditation, deep breathing exercises or journaling can help ground you after a long day at work or before a big event. Incorporating self-care moments throughout the day, like taking a bath or reading in a quiet and cozy space, can also help you manage your stress.

Good health and fitness don’t happen by accident. Using these five tips, and with the support of your healthcare provider, you can invest in well-being and stay healthy and active all fall and winter long.

Low down payment mortgages help first-time buyers access the American dream

2024-09-10T16:45:00

(BPT) – Traditionally, saving up for a 20% down payment has been the largest obstacle for aspiring homeowners and this challenge is even more acute when interest rates drive monthly mortgage payments higher. Despite higher rates cooling home sales last year, hundreds of thousands of first-time homebuyers leveraged private mortgage insurance (MI) to put as little as 3% down to access homeownership.

According to a report released by U.S. Mortgage Insurers (USMI), 64% of homebuyers who used private MI last year did so to purchase their first homes and to begin building equity, a 6% increase in first-time buyers’ share of the market from 2020. Considering a 20% down payment on the national median home price of approximately $425,000 is $85,000, many aspiring homeowners without the resources to make large cash down payments understandably choose private MI. After all, putting 5% down on that same home requires saving only $21,000 in comparison. USMI reports that 35% of homebuyers using private MI in 2023 had annual incomes lower than $75,000.

“Private MI remains one of the most helpful tools available to first-time and low- to moderate-income buyers in the market. Private MI helps borrowers overcome the large down payment barrier to affordably and sustainably qualify for financing and start reaping the benefits of homeownership years earlier,” said USMI Board Chairman and Enact President and CEO Rohit Gupta.

In 2023, private MI helped 800,000 buyers purchase homes using low down payment mortgages, and 39 million homebuyers have achieved this cornerstone of the American dream with private MI since it was first introduced. If a 20% down payment were required, it would take the average homebuyer 27 years to save for the down payment and closing costs, three times longer than the time it would take to save for the 5% down payment that is often used with private MI. Fortunately, you don’t need a 20% down payment to become a homeowner.

USMI President Seth Appleton described the role that private MI plays for housing affordability and access as “opening the homebuying experience up to working families, including first-time buyers. People do not need to save for 20, 30 and even 40 years to meet the mythical — but not required — 20% down payment threshold to be able to afford their first house; instead, millions of homebuyers have achieved the American dream of homeownership and started building their wealth and equity by using private MI.”

Another advantage for homebuyers, according to USMI, is that private MI is a temporary cost; monthly borrower-paid MI can cancel after the homeowner establishes sufficient equity either through regular payments or home price appreciation. When mortgage insurance is canceled, the borrower’s monthly overall payment goes down.

There are many financing options for homebuyers to consider. Learn how you might be able to use private MI to start your homebuying process at lowdownpaymentfacts.com, a resource launched by USMI to offer homebuyers low down payment mortgage information and dispel the myth that a 20% down payment is required to become a homeowner.

How to spot a moving scam

2024-09-10T12:01:00

(BPT) – Moving is a big life change — that’s enough to focus on without the worry you’ll fall victim to a moving scam. Unfortunately, perpetrators target movers during this vulnerable time. In fact, the number of moving complaints continues to rise in the U.S. with the most common grievances involving inaccurate estimates and allegations of deceptive business practices, according to a 2024 study by USA TODAY Homefront.

As a trusted moving industry leader, Mayflower offers movers recommended tips to help stop scams before it’s too late. Here are some of the most common red flags to look out for:

Unusually low estimates

A moving quote that seems too good to be true likely is. Reputable movers base their estimates on factors like the distance of the move, the size of your household and the services required. Be cautious of companies offering significantly lower prices than competitors without a clear explanation. Lowball estimates often lead to hidden fees or additional charges once your belongings are in the moving truck.

Upfront payment demands

Legitimate moving companies may require a credit card to secure your move date, but they won’t ask for full payment before the move begins. Be wary of companies demanding upfront payment in cash or wire transfer in addition to requesting sensitive personal information such as your Social Security number. Some scammers will also refuse to deliver your belongings until you pay additional fees. This is illegal and should be reported to the authorities.

High-pressure sales tactics

A trustworthy moving company will work with you to create a moving plan that meets your needs and budget. If a company uses aggressive sales tactics or pressures you to make a quick decision, it’s a red flag. Take your time, get multiple quotes and read reviews before committing to a mover.

Lack of licensing and insurance

All professional movers must be licensed and insured to operate legally. Before signing a contract, ask to see proof of both. A reputable company will readily provide this information. Moving without proper insurance can leave you vulnerable to financial loss if your belongings are damaged or lost during the move.

Missing details in the contract

A comprehensive moving contract should clearly outline the services provided, including packing, loading, transportation and delivery. Be cautious of contracts with vague or missing information. Reputable movers will provide a detailed inventory of your belongings and specify the terms of the move.

No physical address

Legitimate moving companies have a physical address where you can visit their offices, if needed. Be wary of companies that only provide a P.O. box or email address. A physical location is essential for establishing trust and ensuring accountability.

Negative online reviews

Researching a moving company online is crucial before hiring them. Look for customer reviews and complaints on platforms like the Better Business Bureau and social media. Negative reviews can indicate a history of poor service or fraudulent practices.

Moving to a new home is an exciting milestone. With a little preparation, it can be a smooth process. By being aware of common scams and choosing a reliable moving company like Mayflower, you can embark on your next chapter with confidence.

For additional guidance and inspiration, explore Mayflower’s blog and digital magazine, Welcome HOME, providing practical tips, helpful checklists and inspiring ideas to help you settle into your new neighborhood.

Four Ways to Celebrate Hispanic Heritage Month

2024-09-10T09:01:00

(BPT) – Hispanic Heritage Month, which begins on September 15 and ends on October 15, is the perfect opportunity to celebrate the vibrant culture and significant contributions of Hispanic and Latino Americans nationwide. If you’re eager to celebrate Hispanic Heritage Month but aren’t sure where to begin, cookbook author, chef and TV personality Pati Jinich has you covered. She offers the following tips to help you explore and immerse yourself in the richness of Latino traditions.

1. Support Hispanic-owned businesses in your community

You can make a meaningful impact this Hispanic Heritage Month by supporting local Latino-owned businesses. Whether it’s a cozy café, a vibrant art gallery showcasing the works of Latino artists, or clothing shops brimming with unique, culturally inspired designs, your support plays a vital role. By choosing these authentic, family-owned businesses, you not only enjoy a personal and enriching experience but also contribute to the economic growth and visibility of the Latino community.

2. Expand your knowledge of Hispanic culture and history

The more you know, the better you can understand and appreciate the depth of a culture and its people. This month, embrace your curiosity and expand your knowledge by diving into Latino culture and history. Start with works from Latino authors that provide unique perspectives on their communities. You can further enrich your experience by diving into traditional Latin American art and music, like Mariachis and Talavera Pottery, which have been key pillars of Mexican history and cultural expressions.

3. Participate in Hispanic Heritage Festivals

To bring your learning to life this month, make it a point to attend Latin American heritage festivals and cultural events in your area. These gatherings offer an authentic and immersive experience, allowing you to witness traditional dances, savor regional cuisines and engage with the artisans and performers who keep these traditions alive. From vibrant parades filled with music and dance to booths showcasing handcrafted goods, these festivals provide a unique opportunity to experience the culture firsthand.

4. Cook flavorful Hispanic dishes

Indulging in Latino cuisine is one of the best ways to connect with the culture. While visiting local Hispanic restaurants is a wonderful way to explore authentic flavors and support the community, Chef Pati Jinich encourages you to go further by bringing those flavors into your own kitchen. Many Latin American dishes use eggs, and Pati recommends choosing the best-tasting, more nutritious egg in any dish. Eggland’s Best eggs, which contain more than double the Vitamin B12 compared to ordinary eggs, and 25 percent less saturated fat, help to support a balanced diet. If you need inspiration, try this Enchiladas de Chile Verde con Huevos Montados recipe from Eggland’s Best.

Enchiladas de Chile Verde con Huevos Montados

Prep time: 10 minutes; Cook time: 25 minutes; Makes: 4

Ingredients

8 Eggland’s Best eggs, large

2 tablespoons vegetable oil, plus more for frying tortillas

1 tablespoon unsalted butter

3/4 white onion (about 2 cups), halved and slivered

2 garlic cloves, thinly sliced

2 pounds fresh green chiles, such as chilaca, California, Anaheim, New Mexico or Hatch, roasted, sweated, peeled, seeded and cut into 2 and 1/2-inch pieces

1 tablespoon all-purpose flour

1 teaspoon kosher salt

1 and 1/2 teaspoons dried marjoram

2 cups chicken or vegetable broth

12 corn tortillas

6 ounces (about 1 and 1/2 cups) Chihuahua, Monterey Jack, Asadero or Quesadilla Cheese, shredded

2 tablespoons chopped fresh chives for garnish

Directions

1) Heat the oil and butter in a large saucepan over medium heat. Add the onion and cook, stirring occasionally for 3 to 4 minutes until softened. Add the garlic and cook for another couple minutes until the onion is completely wilted and the garlic has changed color. Stir in the flour, mix well, and cook for another minute, until it smells toasty. Stir in the chile strips, salt, and marjoram and cook for 3 to 4 minutes, until moist but not wet. Add the broth, stir, and when the mixture starts bubbling, cook for 5 to 6 minutes more. Remove from the heat. Transfer to a blender and puree until completely smooth. Return to a saucepan and keep warm.

2) Heat about 1/4 inch oil for frying tortillas in a large skillet set over medium heat. Once hot, quick fry the tortillas for 20-30 seconds per side until lightly browned. The oil should be bubbling all around the tortillas as you fry them. Place on a paper towel covered plate to drain. Alternatively, you can heat the corn tortillas in a preheated comal or skillet set over medium heat.

3) Separately, cook two sunny side up eggs per person to desired doneness.

4) To assemble, one by one, dip a prepared tortilla in the chile verde sauce and place on dinner plate. Top with about 2 tablespoons cheese and 1 tablespoon onion. Follow with the next tortilla. Repeat with the cheese and onion. Repeat with a third tortilla and top with the eggs. Add a tablespoon or two of the sauce, and garnish with a tablespoon of cheese and a tablespoon of onions and chives.

Let these tips inspire you to explore and celebrate the contributions of your Hispanic and Latino neighbors. Buena suerte!

Celebrate and win!

In honor of Hispanic Heritage Month, Eggland’s Best has teamed up with acclaimed Chef and TV Personality Pati Jinich to launch the “Latin Heritage Celebración de Huevos” Sweepstakes.

Now through October 22, fans can enter daily at EBFamilySweeps.com for a chance to win the Grand Prize of $5,000 to elevate their Latin cooking experience, in addition to Weekly Prize packs featuring a signed cookbook from Chef Pati, her favorite salsas from La Costeña, EB branded cookware and a three-month supply of Eggland’s Best eggs!