Controlling Osteoarthritis Pain: What Your Vet and Dog Want You to Know

2025-05-15T10:01:00

(BPT) – “She just loves to go.” That’s how Patty and Jim M. talk about Taffy, their 9-year-old Golden Retriever. Taffy has been all over the United States with her pet parents, jumping at the chance to swim in lakes and rivers or take long walks with them wherever they go. But when they started to notice that Taffy wasn’t her usual self, they knew that something was going on.

“We could see that her hips were giving her problems, she was having difficulty getting up and she wouldn’t walk fast,” Patty and Jim shared. “She wasn’t doing the things she normally did. It was really hard to see her like that.”

Patty and Jim took Taffy to their veterinarian as soon as they got home. Following an examination and X-rays, the veterinarian diagnosed Taffy with osteoarthritis (OA), a painful progressive condition, meaning that it gets worse over time. In partnership with Patty and Jim, Taffy’s veterinarian started her on Librela™ (bedinvetmab injection), the first and only U.S. Food and Drug Administration (FDA)-approved monthly injectable monoclonal antibody therapy to control OA pain in dogs.

Understanding the Challenges of OA Pain

OA is a degenerative disease affecting the joints that causes cartilage to wear down over time, resulting in painful bone-on-bone contact. The pain caused by OA can affect a dog’s health and well-being,[i] decrease their willingness to be active and disrupt their interaction with family members, ultimately impacting the bond they share with their people.

Dogs of all ages, sizes and breeds can experience OA pain.[ii] In fact, approximately 40% of dogs show signs of the condition.[iii],[iv] While the signs of OA pain may be easier to detect in older dogs because they often have more advanced disease, the pain can start at a much younger age. Dogs even as young as 1 year old can develop the condition. Yet, despite its prevalence, only 33% of dogs with OA pain are diagnosed and treated for it.[v]

Look Out for the Signs of OA Pain

While pet owners may expect dogs suffering from OA to limp or cry out, these are not the most common signs of this painful condition. Pet owners should also be on the lookout for decreased activity, lagging behind on walks, slowness to rise, hesitation or difficulty in jumping up or down, stiffness and difficulty going up or down stairs. Additionally, OA pain can cause behavioral changes in dogs, including withdrawal, lack of enthusiasm for activities and even aggression.[i]

“Because animals cannot speak up when something isn’t right, it’s important that pet parents pay attention to their dog’s physical and emotional behaviors and share any changes with their veterinarian,” said Courtney Pierce, DVM, MBA, CCFP, Medical Lead for Canine Pain at Zoetis. “My own dog was diagnosed with OA at just 4 years old and, because I didn’t ignore the signs, we were able to get him started on pain relief and a weight management program right away. While OA can’t be reversed, the pain can be controlled, which is why it’s so important to identify the signs and symptoms of OA pain early so we can provide our furry family members with an improved quality of life by controlling the pain.”

If not treated, the inflammation and pain from OA can lead to chronic pain and ongoing joint damage. It also becomes more difficult to treat as the condition worsens.[vi]

An Innovative Approach to Treating OA Pain

Librela was approved by the FDA in 2023 following rigorous testing of the therapy, including two field studies showing that dogs administered Librela as a monthly injection demonstrated a reduction in OA pain, as well as improvements in their mobility and overall quality of life.[vii] Since its approval, Librela has been used to treat more than 1 million dogs in the U.S.[viii] and success stories show the positive impact Librela has made on dogs’ lives.

With once-monthly injections administered by a veterinary professional, Librela may also reduce pet owner stress about missing a daily treatment dose and help maintain the human-animal bond.

The Value of Partnering With Your Vet

Identifying OA symptoms and partnering with their veterinarian is an important step for pet parents to help manage their dog’s OA pain. By maintaining regular visits and not overlooking signs that something may not be right, pet parents are not only doing what’s best for their dog’s health but also are forming a strong relationship with their veterinary healthcare team throughout their dog’s health journey.

“Going to the vet regularly can help catch any potential health issues early on and also gives pet owners the opportunity to discuss anything out of the ordinary their dog may be experiencing,” explained Dr. Pierce. “Veterinarians are partners in care, and we look to work with pet owners to find solutions to their dog’s problems to ensure they live long, healthy, active lives.”

Labrador mix fetching a ball in the lake

Since starting Librela, Patty and Jim have noticed that Taffy is back to doing the things she loves and believe it’s important for pet parents to give their dogs the best quality of life.

“Anybody who knows Taffy has noticed a change and says ‘Wow, she’s so energetic now!'” said Patty and Jim. “She’s just running around like the other dogs, which she didn’t do before. Her ability to do these things is just amazing, for us and for her.”

Don’t let OA pain steal another day of your dog’s life. Pet owners can complete this Dog OA Quiz to determine if their dog may be suffering from OA and help foster conversations with their veterinarian so their dog can get back to doing the things they love most. You can also visit Librela.com to learn more about Taffy and other dog stories showing the positive impact of Librela.

IMPORTANT SAFETY INFORMATION: See full Librela Prescribing Information at LibrelaPI.com. For use in dogs only. Women who are pregnant, trying to conceive or breastfeeding should take extreme care to avoid self-injection. Hypersensitivity reactions, including anaphylaxis, could potentially occur with self-injection. Librela should not be used in breeding, pregnant, or lactating dogs. Librela should not be administered to dogs with known hypersensitivity to bedinvetmab. The most common adverse events reported in a clinical study were urinary tract infections, bacterial skin infections and dermatitis.

INDICATIONS: For the control of pain associated with osteoarthritis in dogs.

See the Client Information Sheet at LibrelaPI.com for more information about Librela.

The animal health information contained herein is provided for educational purposes only and is not intended to replace discussions with an animal healthcare professional. Testimonials represent individual experience only and the experiences and opinions herein may be unique to the patient and the speaker. Individual results may vary considering the unique characteristics of the patient.



[i] Lascelles BDX, Brown DC, Conzemius MG, Gill M, Oshinsky ML, Sharkey M. Measurement of chronic pain in companion animals: discussions from the Pain in Animals Workshop (PAW) 2017. Vet J. 2019;250:71-78. doi:10.1016/j. tvjl.2019.07.001.

[ii] Anderson KL, Zulch H, O’Neill DG, Meeson RL, Collins LM. Risk factors for canine osteoarthritis and its predisposing arthropathies: a systematic review. Front Vet Sci. 2020;7:200. doi:10.3389/fvets.2020.00220.

[iii] Wright A, et al. Identification of canine osteoarthritis using an owner-reported questionnaire and treatment monitoring using functional mobility tests. J Small Anim Pract, 2022. http://doi.org/10.1111/jsap.13500.

[iv] IHS Markit. (2021) Canine and Feline Pain Market 2021: Animal Health Market Analysis

[v] PetTrak US Pain Factored National January 2023.

[vi] Epstein M.E. Managing Chronic Pain in Dogs and cats. Part 1: The two most important tools in the treatment of Osteoarthritis. Today’s Veterinary Practice. 2013. 20-23.

[vii] Corral, MJ, et al. A prospective, randomized, blinded, placebo-controlled multisite clinical study of bedinvetmab, a canine monoclonal antibody targeting nerve growth factor, in dogs with osteoarthritis. Vet Anaesth Analg. 2021;48:943-955.

[viii] ZMR: PetTrak US Pain Factored National, March 2025.

All trademarks are the property of Zoetis Services LLC or a related company or a licensor unless otherwise noted. © 2025 Zoetis Services LLC. All rights reserved. LIB-00684

What’s better than a wedding guest book? A video booth captures the joy and authenticity of the day

2025-05-15T11:01:01

(BPT) – Wedding season is here, with couples everywhere looking forward to what they’re told will be one of the “greatest days of their life,” celebrating their love with family and friends. But the day goes by in a joyful blur — how can you be sure to capture meaningful moments with the loved ones who made it so special? Will all of your guests have the opportunity to fully express their greetings and well-wishes to you and your partner? While not everyone needs a microphone moment, capturing messages from all your loved ones is something you won’t want to miss.

Collecting personal messages from friends and family

Face it, during a busy event like a wedding, it can be challenging to have — and remember — extended, meaningful interactions with every guest. One great way to preserve the feelings of the day is to collect their personal messages.

Setting out a guestbook is a start, but you want to be sure guests have the opportunity to speak directly to you — in a way that lets you relive the memories, from one anniversary to the next.

It can be risky to leave the recording of messages up to a videographer, who might not get a chance to film every guest speaking into the camera during your action-packed event. On top of that, hiring a videographer adds considerable expense to your wedding budget.

The solution: A video booth

A much more interactive and fun option for wedding guests is a video booth, which allows guests to record their own personalized messages and toasts to the happy couple. Video booths allow guests to take their time, choose when and how they want to participate (such as alone or in a group), and their messages will be completely personalized — a live expression of their personalities and well-wishes, from the tearful and heartfelt to the lighthearted and even hilarious.

Setting up a video booth will let their personalities shine, for a wedding moment they will absolutely love participating in, and that you will enjoy watching for years to come.

Pro tip: Assign a couple of members of the wedding party to invite and encourage guests to come over to the video booth to record their messages, making sure to capture specific guests who may need assistance, such as elderly relatives.

The ideal solution for capturing and sharing wedding memories

You can easily record video messages from loved ones in real time at your wedding to create a digital keepsake you’ll return to again and again using Voast, an easy-to-use video booth that’s easy to set up, and lets you capture and share meaningful moments at weddings and other events.

With Voast, capturing heartfelt “video toasts” from your guests is easy and fun. The sleek booth setup includes flattering lighting and intuitive controls, so guests can effortlessly record video messages and snap photobooth style pics throughout your event. Placed in a high-traffic area — like near the bar, guest book table or dance floor — Voast invites guests to jump in at any time, whether solo or in lively groups, adding energy and spontaneity to each recording.

What sets Voast apart is the ability to make it deeply personal to your wedding. You can tailor the experience by creating custom prompts or questions for your guests to answer in their messages — thoughtful, fun or heartfelt reflections like “Share a favorite memory with us,” “What’s your best marriage advice?” or “When did you first think we were meant to be?” You can also make it your own visually by uploading a custom cover photo.

A Voast video booth is easy and fun for guests to interact with, and it’s small and flexible enough to set up at any kind of wedding: traditional, destination or DIY. Couples and planners can customize their Voast experience to fit any wedding style, and the platform also offers special perks through its partnership program for wedding planners.

After the event, Voast provides you with a professionally edited video, along with all the raw clips (plus an optional, pre-loaded video book). Instant media sharing also lets guests access and share their moments right away — without waiting for prints.

Couple looking at their Voast wedding booth video book

By combining innovative technology with user-friendly tools, Voast transforms your celebration into lasting memories. Going well beyond traditional guestbooks or photo booths, the video booth captures the heartfelt voices, faces and stories from your special day in real time — creating a lasting keepsake you’ll watch over and over again. Voast can also be used to preserve special moments from birthdays, anniversaries, family reunions and more — the possibilities are endless.

Voast video booth camera next to the guest book table

Learn more and watch a sample wedding Voast recording at RaiseAVoast.com.

‘It Can Happen to Anyone’: How Everyday Americans Got Scammed — And What They Want You to Know

2025-05-15T10:23:00

(BPT) – “I was in the middle of a busy day and clicked without thinking,” Cory recalled. “My phone stopped working almost immediately.”

Cory had received a text that looked like it came from his phone carrier, warning that someone was trying to access his account. It asked him to click a link to verify.

When he did, a scammer hijacked his phone number and ported it to a new device. It left him locked out, vulnerable and shaken.

“I’m a fitness coach — I talk to clients all day,” Cory said. “The thought that someone could impersonate me or access those conversations was awful.”

Stories like Cory’s are exactly why online protection company McAfee launched Scam Stories — a movement to help people speak out, reduce stigma, and help others stay safe by sharing what they’ve been through.

Henry, a college student in Dallas, showed up at a concert venue hoping for last-minute tickets to see Tyler, the Creator. He found a seller on social media who claimed to have two extras.

The warning signs were there — escalating demands, changing terms, emotional pressure — but he didn’t want to miss the show.

“I sent $280 and got blocked,” Henry recounted. “We never made it inside.”

Scammers Are Getting Smarter — And Faster

Cybersecurity experts are seeing a sharp rise in scams powered by AI and social engineering, just like what happened to Cory and Henry.

Deepfake scams alone jumped tenfold in 2024, with North America experiencing a 1,740% spike. But manipulated videos aren’t the only factor driving the surge.

Scammers are also posing as banks, toll agencies or the IRS in text messages; sending emails that look like they’re from your employer or customer support; disguising phishing links as delivery updates; and impersonating friends or family on social media to gain trust.

The scale of the problem is growing. Research shows 59% of people worldwide know someone who’s fallen for an online scam. Among young adults aged 18 to 24, that number rises to 77%.

More than a third of scam targets report feeling significant emotional distress afterward, and one in five say the experience made them lose trust in online services altogether.

How to Spot a Scam and Stay Safer Online

Online safety experts say the best defense is a mix of awareness, caution and digital tools. Experts recommend that you:

  • Don’t click on links in unsolicited texts or emails. If it looks suspicious, go straight to the source.
  • Turn on two-factor authentication (2FA) across your accounts.
  • Use different passwords for different accounts, or use a password manager.
  • Don’t rush. Pressure tactics are a scammer’s go-to move.
  • Watch for deepfake red flags like strange blinking, odd lighting, or mismatched voice timing.
  • Invest in a scam detection tool that automatically flags risky texts, emails, and videos before harm is done.

Breaking the Silence Around Scams

Scammers count on people staying silent. But by sharing what happened, victims not only reclaim their stories — they help others stay safer too.

“If it can happen to me,” Henry said, “it can happen to anyone.”

To explore scam red flags, get protection tips, and try McAfee’s Scam Detector, visit mcafee.com/scam-detector.

Technology and healthcare: How AI is transforming the patient experience

2025-05-15T08:01:00

(BPT) – Did you know that AI-powered technology is already being widely used to improve the healthcare journey for both patients and doctors? As a patient, you may not even be aware of how much this technology is impacting how doctors do their jobs and helping them focus on what matters most: spending focused time with the patients in front of them.

Healthcare software is getting smarter, which is making the experience for patients simpler and more seamless, from the moment you book your appointment to the time you get your test results and beyond.

“Healthcare technology has come a long way, but it hasn’t always worked in ways that support meaningful connection. AI has helped change that dynamic. By reducing administrative burdens for doctors and creating easier access for patients, AI-powered technology is fostering a care experience that feels more personal, intuitive, and connected,” said Sanjeev Kumar, Ph.D., NextGen Healthcare’s Chief Data and Analytics Officer and a global expert in artificial intelligence.

Here are some concrete examples of how AI-powered technology is helping to improve the patient experience, from start to finish:

Before your doctor’s appointment: AI-driven technology is able to review your medical history and previous notes to help summarize key details, generating and synthesizing a new patient summary so your provider has a better understanding of your needs.

During your visit: Your doctor can complete assessments, order tests or medications and document changes more efficiently — with support from AI-powered technology that keeps everything organized in real time.

After your appointment: You might notice that your test results arrive sooner, follow-up appointments are scheduled automatically, and patient education materials come directly to you, helping you stay on track with your health between visits. AI facilitates better communication between you and your healthcare team.

In the background: AI also supports accurate billing processes and “clean” documentation as required by health insurance providers, reducing potentially worrisome delays and errors. This can help you better prepare for and manage healthcare expenses.

Helping healthcare providers focus on what matters

How widely used is this advanced technology in healthcare practices? According to Statista, 35% of patient-provider encounters in the U.S. involved use of AI-driven technology in 2024, and that trend shows no signs of slowing down. This includes use of AI-driven ambient listening technology, which helps document patient-doctor interactions accurately in real time.

Companies like NextGen Healthcare are creating solutions that enhance the physician and patient experience with tools to improve electronic health recordkeeping and practice management systems. For example, NextGen® Ambient Assist automatically transcribes doctor-patient conversations into structured notes — saving providers over two hours in administrative tasks per day. The AI-powered ambient listening solution also offers suggestions for coding for medical billing, plus medications, lab orders and more. NextGen Ambient Assist is already supporting over 1 million doctor-patient encounters per year, with more than 1,500 physician users monthly and counting.

Because doctors need to spend so much time on notetaking and record keeping, often after hours, they can be susceptible to burnout. By automating and enhancing the notetaking task, AI scribes reduce these administrative tasks so physicians can dedicate more of their time and energy to patient care.

Thanks to tools like these, today’s providers say they are feeling reinvigorated. And reinvigorated, refocused healthcare providers offer an enhanced experience for patients.

Managing your healthcare, and the healthcare of your loved ones, can be stressful. Thankfully, AI-powered tools are increasingly helping to reduce wait times, improve doctor visits and enhance communication between patients and their care teams — all of which can make your healthcare journey smoother and more successful.

Learn more about how the latest technology is improving patient care at NextGen.com/AI.

Is your router putting you at risk? 5 ways to secure your home network

2025-05-14T07:01:00

(BPT) – The digital world is constantly changing, and with it, the threat landscape. Cybercriminals are becoming more sophisticated, and as a result, our online security needs to be more robust than ever.

Your home network does not just connect you to the internet; your WiFi router or mesh system is also a virtual gateway to your home, your family and your personal information. That means your router is also the first line of defense against cyberattacks. It’s not just about speed and performance — it’s about choosing a device that helps protect your security and privacy.

Here are five things to keep in mind to help secure your home router when threats are on the rise:

1. Start with the basics: Secure your router with strong passwords and frequent updates

One of the most fundamental steps to securing your network is setting a strong password for your router. Avoid using simple, easy-to-guess phrases or sequential numbers. Instead, create a long, complex password with a mix of letters, numbers and symbols. This is your first line of defense against unauthorized access.

In addition, ensuring your router’s firmware is up to date is crucial. Manufacturers release firmware updates to fix security vulnerabilities and improve functionality, so make sure your router is equipped with the latest patches. Some routers, including those from NETGEAR, come with automatic firmware updates to make this process even easier, helping protect your router from the latest threats.

2. Choose a trusted brand

When shopping for a router, it’s important to consider not only performance but also how the brand helps to keep your family and your data safe online. With cyber threats constantly evolving, you want a router from a trusted brand that’s committed to helping safeguard your network. Look for a company that offers security features out of the box and additional layers of protection to defend against both known and emerging threats.

Founded and based in the heart of Silicon Valley, NETGEAR has been pioneering WiFi innovation for nearly 30 years with an unrelenting focus on customer security and privacy. NETGEAR was among the first signatories of the Cybersecurity & Infrastructure Security Agency’s (CISA) initiative. This commitment ensures that products are built with security in mind. NETGEAR routers and mesh systems come with the latest security features such as advanced encryption, automatic firmware updates, firewall, VPN and NETGEAR’s Advanced Router Protection. This feature helps protect your router by recognizing and helping to block exploitation attempts. Additionally, it includes a rapid response mechanism to significantly reduce the time it takes to address security issues.

3. Consider extra protection with subscription-based security services

While basic security features are essential, additional layers of protection can give you added peace of mind. Subscription services like NETGEAR Armor™ Powered by Bitdefender provide online protection, blocking malware, viruses, spyware and phishing attempts before they can reach your devices. This service goes beyond traditional antivirus software, as it operates directly on your router, helping protect the devices connected to your network, including security cameras, baby monitors and other smart home devices.

NETGEAR Armor also includes advanced features like a VPN for encrypting your internet traffic. This level of protection extends even when you’re using your mobile devices on unfamiliar networks, helping protect your privacy and security whether you’re at home or on-the-go. For those who want even more robust protection, NETGEAR Armor Plus offers unlimited VPN access, ad-blocking and anti-tracking features, keeping your online activity, identity and location more private.

4. Ensure your privacy is protected

When purchasing a router, consider not only the features but also the company’s privacy practices. Many tech companies use personal data as a revenue stream, selling it to advertisers or other third parties. This is a practice you should keep an eye out for and avoid when selecting a router, as your privacy should be a top priority.

NETGEAR is committed to transparency and privacy. With products designed in the USA, the company adheres to strict privacy laws, ensuring that your personal data remains protected. NETGEAR’s privacy policy is clear and straightforward: they will never sell your personal information. If this is important to you, choosing a company with this level of commitment to privacy is essential in today’s data-driven world.

5. Look for a brand that innovates and upholds integrity

The world of connectivity is always evolving, and to stay ahead of cyber threats, you need a router from a brand that innovates and is guided by integrity.

Operating in the heart of Silicon Valley, NETGEAR is at the forefront of new technology, working with WiFi chipmakers and device manufacturers to help ensure smooth operation in your smart home and interoperability with the widest range of end point devices available. As a brand trusted by millions of households and named by Newsweek as one of the World’s Most Trustworthy Companies, NETGEAR considers integrity a key pillar of its business.

While cyber threats are abundant, you don’t have to be an IT expert to protect your home. By choosing a trusted brand like NETGEAR, which combines top-notch performance with powerful security features and a commitment to privacy, you can connect with confidence knowing you’re backed by a company that truly cares. Read more about why NETGEAR is a trusted brand for WiFi at NETGEAR.com.

5 vet-approved ways you can help your dog during allergy season

2025-05-13T11:15:00

(BPT) – As the seasons change, you might notice your dog experiencing some discomfort. Allergies aren’t just a human problem. If your dog is scratching or licking their paws more than usual, they might be experiencing seasonal allergies. In fact, allergies are one of the more common reasons that pet owners visit their veterinarian. So, how can you support your furry friend during allergy season? Purina veterinarian Dr. Martha Cline shares five expert tips to help your dog.

1. Bathe them regularly

One of the simplest ways to help your dog with their allergies is to bathe them regularly. Routine bathing can remove dirt and pollen from your dog’s fur and skin, and also cleans the skin, which eases allergies.

“Most healthy dogs don’t need to be bathed more than once a month,” said Dr. Cline. “That said, dogs with sensitive skin or allergies may need to be bathed more often. Talk to your vet about frequency and if there are specific shampoos that can help.”

2. Wipe your pet down after a walk

Make sure to wipe down your dog after a walk or outside playtime to help manage their allergies. A quick wipe-down with a damp cloth or fragrance-free, hypoallergenic pet wipes can remove pollen and other allergens that may have stuck to your pup’s fur and skin.

And pay close attention to your dog’s paws. The sensitive skin in this area can be prone to allergic reactions.

3. Consider nutrition and supplements

“What your dog eats can have an impact on the health of their skin,” said Dr. Cline. “Make sure your dog is eating a complete and balanced diet that provides all the essential nutrients that support healthy skin and coat. And if your dog needs even more support, consider adding a supplement, like Skin Care from Pro Plan Veterinary Supplements, as a part of your overall approach.”

Skin Care features omega 6 and omega 3 to help maintain the skin’s natural protective barrier to support dogs with sensitive skin, including those with seasonal allergies; a blend of collagen, EPA and DHA to proactively support your dog’s skin health; and Vitamin E and zinc to promote a strong immune system. This non-prescription supplement comes in a great-tasting soft chew and is available at Amazon, Chewy and vet clinics.

Woman giving her French bulldog a treat.

4. Don’t skimp on flea control

Year-round flea control is important to your dog’s overall health and can also alleviate skin allergies. “While flea bites aren’t fun for any pup, some dogs may experience a severe allergic reaction to flea saliva called flea allergy dermatitis,” said Dr. Cline.

Talk to your vet about which flea control treatments are suitable for your four-legged friend. They may recommend a flea collar, oral medication and/or topical medications to quickly kill any living fleas and prevent new ones from emerging.

5. Talk with your vet about allergy medication

“Depending on the severity of your canine’s allergies, they may need an antihistamine or other allergy medication to help them feel less itchy,” said Dr. Cline. Talk with your veterinarian to discuss allergy medication options so your dog can spend less time scratching and biting and more time playing.

Don’t let allergies get your dog down. Using these five vet-approved tips, you can help your pup feel their best this spring and beyond.

New study: Americans rate their financial happiness a 4.9 of out 10

2025-05-12T09:01:00

(BPT) – On America’s financial scorecard, people rate their happiness with their overall personal finances a 4.97 out of 10 — and scores need improvement across the board, as the majority (91%) are prioritizing their financial health and happiness in a year of decisions ahead. New Empower research introduces comprehensive findings on how Americans plan to navigate the next wave of decisions on saving, investing, and the value of good advice.

Self-assessment across all dimensions of people’s financial happiness is flagging: Americans rate their satisfaction with their retirement savings an average of 4.54, and the likelihood of retiring at their goal age at 4.93 out of 10. When rating their financial success, scores come in at 4.46, as over half feel success is further away now than it was a year ago (55%). Contentment with salary notches in at 4.65, and people grade their ability to afford a home at a 4.83.

Economic uncertainty, geopolitical tensions and market volatility may be influencing scores, and delaying some choices: 69% think the economy is too uncertain to make big money moves. Still, Americans say they plan to make important decisions in 2025, including figuring out how to make more money (43%); how to be financially happy (37%); and start an emergency savings fund (31%) — as 76% believe they need more savings to prepare for the unexpected. Nearly a third intend to make a financial plan (42% Gen Z, 39% Millennials).

“We are living in a ‘Great Decide’ as people forecast their fortunes in an unpredictable world. People feel they have to be financial futurists to make heads or tails. This era could majorly shift patterns of saving, investing and, critically, where people turn for advice,” says Rebecca Rickert, head of communications and consumer insights at Empower.

Navigating decisions

When it comes to making investment decisions, half of Americans say they’re ignoring the noise and taking the long-view approach to the stock market (49%). For 2 in 5 (39%), this time of uncertainty is ripe to make money moves, believing the adage “the bigger the risk, the bigger the reward” — a figure that rises substantially higher for younger generations (Gen Z 51% and Millennials 49%; compared to Gen X 40%, Boomers 22%) and for those with higher incomes (50% for those earning over $100k+). Almost half say they are going back to the basics by investing more in cash and gold (46%).

Rather than a generational divide, the study also uncovers “a generational decide” taking place. To navigate uncertainty, Americans see an opportunity to strengthen their network effect, which people currently pinpoint at a 5.55 out of 10. These valuable connections are perceived as linked to career and wealth building, particularly as the largest financial exchange in history is underway, with younger generations projected to inherit an estimated $84 trillion.1 For almost all, financial independence and interdependence go hand-in-hand: people say not having to rely on anyone else for money is as much a part of their happiness (84%) as being able to financially take care of their loved ones (81%).

Advice advantage

Six in 10 (58%) say they need trusted financial counsel now, more than ever, as confidence in getting good financial advice trails at a 5.14 out of 10 and satisfaction with their financial plan is a 5.08.

The upshot is 78% say having a financial plan to guide their decisions ahead makes them happier and less stressed. For the majority, health equals wealth (70%) and most agree that talking with a financial professional about their money goals is important (65%).

“Measuring what matters is one goal of our research. Everyone has their own idea of a perfect score as they define financial happiness,” notes Rickert.

More key findings from the report:

  • Stress relievers: To reduce their financial stress, Americans are decreasing their discretionary spending and non-essential expenses (32%), switching to cheaper brands than they normally buy (32%) and building an emergency savings fund (30%).
  • In advice we trust: Americans say financial professionals are the most trusted source of good money advice (50%) compared to just 10% for social media, 9% for AI, and 7% for influencers or podcasters.
  • Barriers to making it: Americans say the biggest roadblocks to achieving financial happiness include income (35%) and feeling like expenses are adding up (35%). Close to a third feel that they are not in a place where they can save money (31%).
  • Windfall wins: 74% say having more money would solve most of their problems, but a little can go a long way — 71% agree a windfall of just $5,000 would increase their financial happiness by at least six months. One quarter (22%) say they are banking on an inheritance to make ends meet.
  • Signs of the times: Just over half of Americans say money can buy happiness (51%), which is a slight drop from the 59% who answered yes to the same question in 2023.
  • Eye on AI: Americans rate the likelihood of AI replacing them at their jobs one day at a 3.72. They rank their level of comfort using AI for their personal finances nearly the same (3.73).

Visit The Currency™ to read Empower’s full research report, The Great Decide.”

*ABOUT THE STUDY

Empower commissioned the “The Great Decide” study; based on online survey responses from 2,208 Americans ages 18+ fielded by a third-party vendor from March 20-21, 2025.

  1. Cerulli Associates. “Cerulli Anticipates $84 Trillion in Wealth Transfers Through 2045.” January 2022.

RO4436765-0425

Make the most of summer: 5 tips for boating confidently and safely

2025-05-12T08:01:00

(BPT) – Looking for ways to make the most of your time outdoors this summer? Grab your crew and go boating! Being on the water is one of the best ways to disconnect from distractions on land, allowing you to relax and recharge in nature. Not only is there a scientific connection between boating and happiness — the sight and sound of water promotes wellness by increasing serotonin, lowering cortisol and reducing stress — but boating is also a fun way to spend time with loved ones and meet new people within the boating community. There are plenty of ways to get on the water whether you rent, charter, share, join a boat club or own a boat.

Remember, boating should be enjoyable, not intimidating. Before stepping on board or taking the helm, brush up on your nautical know-how to boost your confidence and create a safer environment, allowing for a pleasant, stress-free day on the water for everyone involved.

Man, wearing a cap backwards, driving a boat across a lake

“There’s nothing like spending a day on the water — where freedom meets fresh air, stress melts away and lasting memories are made with your favorite people,” said Ellen Bradley, senior vice president of Discover Boating. “Whether you’re new to boating, a seasoned captain or a passenger along for the ride, it’s always smart to brush up on the rules of the water. Discover Boating makes it easy with expert tips and safety resources right at your fingertips.”

Father and son fishing on a lake

Discover Boating is a one-stop destination for all things boating, from safety and education articles, maintenance checklists and boating destinations, to finding your dream boat, locating verified dealerships in your area and more.

Below are five tips from Discover Boating to improve your boating knowledge to ensure the best possible experience on your next boating adventure.

Learn boating safety essentials. View Discover Boating’s new video series in collaboration with Progressive Insurance® for expert tips ranging from preparing your boat for the season to trailering, boating with kids and furry friends and more. If you plan on buying a boat or you are a new boat owner, consider getting boat insurance for an added layer of security and protection.

Woman on the back of a pontoon while her dog, wearing a life jacket, stands on her chest


Take a boating course.
Sign up for a boating lesson to hone your powerboating, sailing or watersports skills by mastering the basics while having fun along the way. On-water training courses, watersports camps, youth boating programs and more are offered across the country.

Two girl friends riding a jet ski across a lake


Visit a boat show
. Boat shows are an ideal place to immerse yourself in the boating lifestyle and provide a unique opportunity to meet face-to-face with — and shop — a variety of boat dealers and marine product companies all under one roof. Most boat shows also offer hands-on demonstrations and educational opportunities for boaters of all experience levels. Find a boat show in your area.

Look for the seal of approval. When shopping for a boat, whether at a boat show, online or at a dealership, check to make sure it is NMMA Certified. NMMA Certified boat and trailer manufacturers have been independently inspected to ensure they meet strict industry standards for safety and construction, as well as all federal regulations. Look for the NMMA Certified sticker near the helm of a boat.

Maintenance matters. Similar to cars, there are a few areas that require regular maintenance by the owner, and a few areas that require maintenance at routine intervals, which most leave to the professionals. Prepare a boat maintenance checklist that covers everything from engine needs to cleaning to electrical systems to ensure your boat has a long lifespan.

Little girl, wearing her cap backwards, using her hand to spash water while sitting on the side of a boat in the lake.

Visit DiscoverBoating.com for safety tips, boat shopping tools, easy ways to get on the water and more. Be sure to tag @DiscoverBoating and use #SeeYouOutHere on social media to share your next boating adventure.

Garage Safety Month: 5 expert tips to care for your door

2025-05-09T10:41:00

(BPT) – When was the last time you gave your garage door some TLC? Garage doors can weigh over 400 pounds, depending on the material, thickness, door size, and added windows, so keeping yours well-maintained is key to keeping yourself safe and ensuring it works properly.

May is Garage Safety Month, the ideal time to care for your garage door to prolong its life span, improve functionality, and prevent accidents. Don’t know where to start? Precision Garage Door Service®, a Neighborly® company, shares six expert tips to help you keep your garage door in working order and improve your safety.

Representative from Precision garage door outside with homeowner talking about garage door.

1. Declutter and organize

Before you can work on your garage door, you’ll need to declutter and organize your garage. Doing so will give you a clearer view of the door, and in the end, you’ll have a clean garage!

Take stock of the outdoor power equipment, tools, bikes, boxes, and other items you may have stored in your garage. Determine what you can keep, toss, or donate.

Once you’ve downsized and decluttered, organize your remaining tools and equipment. Your goal should be to ensure easy access while minimizing tripping hazards.

2. Inspect the garage door

Next, inspect your garage door. Precision Garage Door Service® recommends performing an annual inspection. It’s the best way to reduce the cost of unnecessary repairs to your garage door system.

During your inspection, pay close attention to the auto-reverse mechanism, springs and cables. Listen for unusual noises and vibrations, look for slow or uneven movements and sagging sections and take note of remote-control malfunctions. These are possible indicators of potential problems and may require professional services by a reputable garage door professional.

Representative from Precision garage door inside the garage with the homeowner inspecting the bottom of the door.

3. Lubricate your door

Lubrication is key to smooth garage door operation. This May, make sure to lubricate your door’s moving parts with either a spray lubricant or spray grease product. Do not use a penetrating fluid, a primary use of water displacement. This can cause long-term damage to garage door parts. Precision Garage Door Service recommends using a silicone-based lubricant.

What parts should you lubricate? According to Precision Garage Door® Service®, pay attention to the hinges, rollers, spring and bearing plates, lock, and top of the rail and armbar.

As you lubricate your door, you may notice that the counterbalance springs need adjustment. While there are a few garage door maintenance tasks you can do on your own, this one is best left to the professionals due to the risk of injury.

Representative from Precision garage door inside the garage showing the home owner how to disengage the garage door opener.

4. Upgrade to a smart garage door opener

If you haven’t already, consider upgrading your garage door with a smart opener. Smart garage door openers offer enhanced security and convenience, allowing you to ditch your regular garage door remote.

Instead, you’ll be able to use your smartphone to operate your garage door. This means that you’ll never have to worry about losing your remote. Also, a smart garage door opener means you can securely receive packages in your garage and allow friends and family to safely enter the garage, whether or not you’re home.

5. Schedule a repair or replacement

If your garage door is damaged, don’t take a chance. Contact a professional to repair or replace it. Find your local Precision Garage Door Service® location and schedule an on-site visit. During the visit, a skilled service professional will examine your garage door and provide options that best meet your needs.

Representative from Precision Garage Door in talking with a homeowner in front of his house.

This May, check another home improvement task off your list and give yourself peace of mind. To learn more about garage door safety tips and how to care for your door, visit PrecisionDoor.net/GarageDoorSafetyMonth.