Resilience defines ag community in wake of natural disasters

2019-06-30T07:01:00

(BPT) – The hits just seem to keep on coming. For America’s farmers, it feels like it’s been one natural disaster after the next. From record wildfires in California and unprecedented hurricanes in the South and Southeast to the relentless flooding in the Midwest, people in the agricultural community have been hit hard in recent months. But they aren’t letting misfortune define them. Instead, the entire community has shown incredible resilience, coming together to face the challenges head on.

Hope in devastation

The disasters may have seemed never-ending, causing billions of dollars in damage from California to North Carolina and seemingly everywhere in between. But they were followed by equally endless stories of farmers going above and beyond to help their neighbors in need. Reports of farmers helping sandbag against rising floodwaters, rescuing each other from encroaching fires and lending a hand wherever they could were a source of hope in the face of so much destruction.

In the wake of the storms, those same communities are coming together to help each other rebuild, sharing resources as they try to put the pieces of their farming operations — and their lives — back together.

“People lost everything they had, from homes to crops. It was heartbreaking,” said Elwood Garner, a farm manager with Dail Farms, which produces crops, chickens and hogs near Kenansville, North Carolina. “While farmers tend to be an independent bunch, it makes you feel good that people still care and want to help their local communities.”

Community effort

It’s not just farmers helping farmers, but the entire agricultural community that has come together to provide support and assistance during this time of need. Austin Anderson, a sales rep for Syngenta, which produces seeds and agrochemicals for farms across the globe, delivered meals to farmers and others impacted by Hurricane Florence in the Greenville, North Carolina, area.

“It’s all about neighbors helping neighbors,” Anderson said. “Agriculture is a resilient community.”

Looking to the future

Farmers will hope to recover much of their losses through crop insurance and other unique programs like the Syngenta AgriClime™ initiative, a pilot program that offers cash back on Syngenta products if certain weather thresholds are met or missed during an offer period. But the widespread damage to infrastructure, equipment and the land itself means the road to recovery won’t be easy. Many hope that new innovations in agricultural science can provide a path forward and help ease the burden caused by future disasters.

In California, where record wildfires damaged or destroyed many grape farms, growers largely had to sell what product they had left at a discount because of the perception the grapes would produce low-quality wine. Now, the Lake County Winegrape Commission is undertaking a research project with the University of California – Davis and others to study the true effect of wildfire smoke on grapes.

“We want to support innovative, new findings and set a precedent for future research across Northern California and the West Coast,” said Debra Sommerfield, president of the Lake County Winegrape Commission.

With damaged equipment and saturated soils either delaying or preventing traditional planting and harvest seasons, it could be years before many family farms fully return to normal. But the agricultural community is no stranger to tough times. With a resilient spirit and the help of its neighbors, the community expects to come through these disasters stronger than ever.

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© 2019 Syngenta. AgriClime™ is a trademark of a Syngenta Group Company.


Suffering from vacation deprivation? 7 tips to master the microbreak

2019-06-29T13:01:00

(BPT) – When was the last time you took a vacation? Does it feel like it’s been forever? Since most of us can’t manage to take more than one extended vacation a year, it’s often a long time between episodes of much-needed R&R. What’s the solution to vacation deprivation? The latest travel trend is “microbreaks” — short getaways to recharge and refresh between longer vacations. A recent survey by Expedia.com found that short trips are fast becoming the most popular type of vacation.

Almost half of those surveyed said that they took quick trips to spend a little time with friends or family (47%). Tied for second place (at 19% each) were trips planned around a special event like a wedding or reunion, or just to get a much-needed break from work. Surprisingly, over 90% of Americans have been on a short trip (lasting no more than four days) in the past year, revealing how popular the microbreak has become. Even after just a short trip, travelers reported feeling rested and recharged, having a better attitude, and feeling reconnected with their partner or family.

Sound appealing? Even a weekend away can make you feel like you’ve had a great vacation, if you plan it right. Here are a few tips to make your microbreak the best mini-vacation you’ve ever had.

1. Reduce travel time. Don’t spend half your microbreak just getting there. Choose a location within four hours of your home. If you’re really pressed for time, select a luxurious, centrally located hotel in your own (or neighboring) city to play “tourist” for a day or two. And no sneaking home to do laundry!

2. Be flexible. Take advantage of deals when they open up. Think about what you want to do during your microbreak: Relax on a beach or in a spa? Shopping and casinos? Art and culture? Restaurants and music? If you’re open to different locations offering what you’re looking for, check out specials each Monday on Expedia.com for a minimum discount of 20 percent off hotels in popular destinations.

3. Time your bookings. According to Expedia’s 2019 Travel Pricing Outlook, when you book your travel actually makes a big difference in terms of the cost. Booking flights on a weekend and starting your journey on a Thursday or Friday snags you the best prices. Booking hotels on Fridays also gets you the best deals.

4. Keep costs down. Since you’re saving for a longer vacation later, don’t blow too much money on one weekend. Travelers can save hundreds of dollars by bundling a flight with hotel, or their rental car with hotel. If you don’t want to buy a package right away and need time to find the perfect hotel, get the flight or rental car first and add on a hotel any time before the trip for up to 43% savings.

5. Check for deals and freebies. For a microbreak, waiting until the last minute to book a hotel can result in a lower cost, as some hoteliers look to fill as many rooms as possible. Expedia.com offers tons of last-minute deals on flights, hotels, cruises and packages to help you save on travel. Keep your eyes peeled for bonus free extras. Perks like free breakfast, spa treatment or other activities help keep your overall costs down.

6. Use an app. Expedia’s mobile app has a whole section dedicated to last-minute flight and hotel deals curated for you based on your interests and your home airport. Plus, travelers get 2x the rewards points on every booking. The app is available to download for free on iOS in the App Store and on Android devices through Google Play.

7. Pick a great destination. Choose a location that offers plenty of options for rest and play, and that is frequently featured in travel deals. The most popular destinations for U.S. travelers looking for a microbreak are: San Francisco, Los Angeles, New York, Chicago, Las Vegas, Atlanta, Orlando, San Diego, San Antonio, Houston and Austin.

Need more inspiration for your next micro-break? Check out the Expedia Viewfinder blog for ideas of great travel destinations.


4 Tire Tips for a Perfect Summer

2019-06-28T11:15:00

(BPT) – Summer is often the most anticipated season of the year. Vacations, outdoor adventures and trips to the beach are all fun hallmarks as warm weather arrives and schools break for the year. And for many, summer also means more miles on our cars — and on our tires. Here are four driving safety tips to keep in mind this summer and throughout the year:

1. Check your tire pressure regularly to prevent hot weather blowouts …

According to the latest Hankook Tire Gauge Index, two-thirds (66%) of Americans consider checking their tire pressure and tread depth before heading out on a long summer drive. Because summer heat can affect tire health, a fact that only 27% of Americans are aware of, it’s important to also check the pressure on hot summer days. Excessive or prolonged spells of hot weather cause the air inside the tire to expand, increasing the pressure and increasing the risk of over-inflated tires. The increased pressure can lead to uneven wear, reduced performance and even blowouts.

2. … and know what to do when they happen

Increased tire pressure isn’t the only cause of hot weather blowouts: Friction and surface heat from roads increase stress on tire rubber, which can overload the tire. If your tires are hot to the touch, they’re probably overheating, so wait until they cool before setting off on your travel adventure.

If a blowout does happen, be prepared to change the tire — something that more than a third of Americans (35%) have never done! As part of your summer maintenance routine, check that you have everything you need to change a tire, including a jack stand, lug wrench and wheel wedge, and that every driver in the household has practiced it at least once. And don’t forget to check your spare tire pressure — something 29% of drivers never do!

3. Remove the roof rack

Summer means the outdoors, and for many that means strapping on a roof rack to transport bikes, kayaks and anything else for an outdoor adventure. And, the rigmarole of fixing a rack to a car roof often leads 21% of Americans to leave it on for the summer, according to the Gauge Index, much like leaving the grill in the backyard or an air conditioner in the window.

The difference, though, is that a roof rack adds drag, which costs drivers more at the pump — something many drivers can ill afford as gas prices rise in the summer months. Consider removing the roof rack when it’s not in use, or purchasing a rack that’s easier to attach only when you need it.

4. Plan your fill-ups

Speaking of summer gas prices, it’s no surprise that so many of us are looking for ways to save when it’s time to fill up. In fact, Hankook reports that 80% of Americans will drive up to 10 miles out of their way to save money on a tank of gas. When setting out on a summer drive, it can help to identify gas stations along the way that may offer cheaper prices. While you may find yourself driving further to fill up, for many of us, the savings are worth it: More Americans (41%) consider the price of gas over the convenience of the location (36%) when deciding where to fill up.

Our summer memories often live on for years to come. With just a few simple tips, drivers can ensure that the miles they rack up — whether on long road trips or darting about town — are as carefree and enjoyable as the season itself.

Did you know? We love our music! Over half of Americans surveyed said they would drive over 50 miles for a concert or a music festival, so break out that road trip playlist!


Make Your Own Beautiful, Durable Concrete Countertops

2019-06-28T14:31:00

(BPT) – Concrete is the ideal material for kitchen and bathroom countertops. As beautiful and striking as marble, quartz and granite, concrete countertops are a fraction of the cost and easier to maintain. Concrete is also a much more attractive and durable alternative to laminate, composites and other lower-end countertop surfaces. Practical and functional, a concrete countertop is truly an expression of a homeowner’s personality and style.

Concrete is a versatile, DIY-friendly material that allows homeowners to customize countertops with their own two hands. A concrete countertop on a bathroom vanity can be stained or polished for a modern look. Concrete countertops with exposed aggregate or curved edges are also great for outdoor kitchens and can be made to match backyard landscaping. The creativity for concrete countertops is limited only by a person’s imagination, thanks to specially formulated concrete like Quikrete Concrete Countertop Mix.

Steps for making a concrete countertop:

Remember when working with cement-based products, always wear eye protection and waterproof gloves.

  • Build forms from 3/4” melamine-coated particle board by screwing four 2” strips to a base sheet according to the countertop dimensions. Concrete is heavy, so use multiple forms that don’t exceed 2’ x 3’ and 2” thick to manage larger countertop projects.
  • Apply a bead of silicone caulk in the seams of the forms and smooth with a caulk tool or fingertip to give the countertop a smooth edge.
  • Mix the concrete following the directions on the bag and pour into the forms in two 1” layers. If necessary, place metal rebar or wire mesh between the two layers for added strength.
  • Overfill the forms slightly before pulling a 2×4 in a sawing motion over the surface several times each direction. This process, known as screeding, will level what will be the underside of the countertop.
  • Consolidate the mix and remove air voids by tapping the forms with a rubber mallet or vibrating with an orbital sander without the pad.
  • Unlike other concretes that have to set for days, the high-density, high-strength countertop mix can be removed from the forms in 18 hours. Once each countertop section is removed from the form, smooth the edges with fine sandpaper.
  • With the help of a friend or family member, place the newly formed countertop piece(s) on top of the base and install the sink, grill, refrigerator or any other hardware or appliances, according to the manufacturer’s instructions.
  • Seal the concrete countertops with Quikrete Acrylic Concrete Cure & Seal to protect it from dirt, oil, grease and other stain-causing contaminates.

To give the concrete countertop a more decorative look, add liquid cement colors during the mixing process, stain the surface or fill any air holes with Polyblend Non-Sanded Grout from Custom Building Products. In addition, a food-safe wax should be applied to concrete countertops for safety. For full project instructions, watch the concrete countertop how-to video on QUIKRETE.com.


Refresh your summer with delicious, healthy mocktails

2019-06-28T18:45:00

(BPT) – There’s nothing better on a hot summer day than kicking back and relaxing with a cold, tasty and refreshing beverage — and there are so many great options to choose from. But why not add a little excitement to your summer by choosing something to drink that’s fun and colorful, super healthy and delicious, too?

You can skip the dehydrating alcohol, artificial flavorings or unhealthy refined sugar and opt to serve up a natural, fruit-based drink — a “mocktail” — when you’re planning your next summer soiree, or to enjoy with friends and family of all ages anytime the weather heats up. A mocktail not only replenishes your vital fluids, hydrating you and providing important nutritional content your body needs, but it’s yummy, fun and festive to drink.

When you add a super food like a Chiquita banana to your mocktail, you’re adding vitamins and minerals, including vitamin B6, which helps muscles function, boosts your immune system and helps with formation of red blood cells. Chiquita bananas are also a great source of potassium, which can help level out your blood pressure, among other positive benefits. They provide fiber, protein, antioxidants, vitamin C, magnesium and other nutrients to your diet. Another plus? Bananas come in their own handy, naturally biodegradable, portable and easy-to-peel package!

No matter what kind of delectable mocktails or fruit smoothies you want to create this summer, adding bananas to the mix will provide a bonus of sweet flavor and a creamy texture to your beverage. Bananas will balance out the flavors of the more tart or acidic fruits you’re using in your recipe, while they also boost the overall nutritional content of your drink.

Another great thing about mocktails? They are super easy to prepare, taking only about 10 minutes of prep time. All you need is a blender and the ingredients of your choice! Serve each mocktail over crushed ice or ice cubes in a fun decorative glass and add a tiny umbrella or a small fruit skewer with berries and banana slices for a festive and delicious party presentation.

Try one of these vegan, gluten-free and lactose-free recipes for delightfully refreshing, yummy mocktails:

Tropical Chiquita Banana Colada Shake with Coconut Water (serves 2)

Ingredients

2 Chiquita bananas
2 cups coconut water
2 cups mango juice
3 sprigs fresh mint
2 limes

Directions

Chop the Chiquita bananas in pieces and blend them together with the coconut water, mango juice and the juice of one lime. Pour the juice into the glasses and garnish with the other lime (sliced or quartered) and the sprigs of mint. Enjoy and share your Banana Colada shake recipe using #Chiquita Banana.

Pink Sunrise Mocktail with Chiquita Bananas and Watermelon (serves 2)

Ingredients

2 Chiquita bananas
1 grapefruit
3 slices watermelon
2.5 cups sparkling water
1 lemon
Fresh mint to garnish

Directions

Mix the two Chiquita bananas with half of the grapefruit, ¾ cup sparkling water and one squeezed lemon. Set this mixture aside.
Using another bowl, blend 1½ cup sparkling water with the 3 slices of watermelon and the other half of the grapefruit.
Fill half of the glass with the red juice (with the watermelon in it) and pour the other juice (containing the blended bananas) on top.
Garnish with a piece of watermelon and mint.
Enjoy and share your Pink Sunrise Mocktail recipe using #ChiquitaBanana.

For other fun and delicious drink recipes to add a festive touch to your summer get-togethers, such as Frozen Smoothie with Chiquita Bananas and Peaches, check out https://www.chiquita.com/recipes.


Increasing access to computer science education for students

2019-06-28T14:25:46

(BPT) – For today’s students, learning how to code is becoming just as important as learning how to read. The Bureau of Labor Statistics says computer science is the fastest growing profession within the science, technology, engineering and math (STEM) field. They also project that, by 2020, there will be 1.4 million computer science-related jobs available and only 400,000 computer science graduates with the skills to apply for those jobs.

Historically, access to computer science education and skills training has been absent in the curriculum for many underrepresented and underserved communities, despite research showing that exposure to these subjects at a young age makes students more likely to pursue computer science in college. The new childhood-to-career program, Amazon Future Engineer, is working to change that with a four-step process to ensure access for all students.

K-8:

First, the program has after-school computer science workshops, coding camps hosted at schools and various locations, and online computer science courses like Coding with Kids and Code.org’s Hour of Code: Dance Party — all designed to encourage students to explore computer science.

“Without Amazon Future Engineer funding this coding camp, my son would not have had such a wonderful opportunity because I simply could not afford it,” explained Kelly Garcia, whose son Pierce attended a Coding with Kids camp in Seattle, Washington.

High school:

The majority of public elementary and high schools, particularly in low-income communities, do not offer computer science classes. Each year, Amazon Future Engineer provides 2,000 schools across the country (totaling about 100,000 students) with Intro to Computer Science and AP Computer Science classes through trusted curriculum providers. All students participating in this program also receive a free membership to AWS Educate, which provides them with free access to computing power in the AWS Cloud for their coding projects, and content to learn about cloud computing.

Jennifer Tulipano, a teacher who is using the course in her classroom at Monsignor Scanlan High School in the Bronx says, “It’s exciting to see the significant increase in my students’ creativity, logical thinking skills and confidence levels, since learning to code, and there is no doubt in my mind that we have paved the way for them to head down very successful career paths in the field of computer science. I truly believe our students, particularly our female students, have been empowered by the computer science courses.”

College:

As students head off to college, the program offers new resources to support continued education in the field. The program provides 100 students from underrepresented and underserved communities committed to studying computer science in college with a $40,000 college scholarship — $10,000 per year. For many students, this financial aid is the catalyst that allows them to pursue post-secondary education and a career in computer science. “This scholarship is very important because it means when I go to college, I won’t have to constantly worry about money,” said scholarship recipient Leo Jean Baptiste, from Orange High School in Orange, New Jersey.

Internship:

Amazon Future Engineer also offers the 100 scholarship recipients a guaranteed, paid summer internship after their first year of college. Interns partner closely with a technical mentor and manager, as well as their fellow interns, to innovate and create.

“I not only witnessed but was immersed in what it’s like to be a software development engineer,” explained Nari Johnson, a sophomore at Harvard University studying computer science. “I left my internship feeling more confident in my ability to transform a vision for a service or product into reality. As a woman in computer science, Amazon’s commitment to diversity and early computer science education has been especially meaningful to me.”

Students, teachers, school administrators, and parents can learn more and apply at www.amazonfutureengineer.com.


How to keep your home cool and improve indoor air quality

2019-06-28T15:17:00

(BPT) – Summer heat may be good if you’re at the beach or pool, but when you’re at home, it often means fighting scorching temperatures with costly air conditioning. Not only can this feel like an endless battle during the dog days of summer, but leaving the trapped hot air in your home can also worsen indoor air quality.

Considering people spend an average of 90 percent of their time indoors, this is a big deal. Proper ventilation has many benefits, from keeping a home comfortable all summer long to improving overall home health, including removing pollutants and stale indoor air to improve air purity. What’s more, when you ventilate strategically, you can enjoy cost savings as you won’t have to use your air conditioner as frequently.

You may be able to block the sun strategically using blinds and shades while opening windows on the particularly cool evenings, but if you really want to embrace the trend of healthy home ventilation, consider systems that focus on specific parts of your home, including the attic, garage and indoor spaces.

Whole house fans

Whole House Fans don’t just recirculate air in your home like air conditioning does; they work by continuously replacing it with fresh air in your home and attic. Solatube Whole House Fans will pull the cool, fresh outside air into your living spaces through your windows. Then they push hot, stale indoor air through your attic and out the vents.

During the warmer months, using this Whole House Fan cools the air in your house as well as the structure and contents. This helps cool your home including your attic by up to 30 degrees, allowing those areas to stay much cooler the following day, which is the principle of Thermal Mass Cooling. This equates to fresher air and lower overall costs to keep your home cool when compared to air conditioning.

Attic fans

When the heat of summer hits, hot air needs to be vented from your attic to keep living spaces comfortable, air conditioning units from overworking, and roof structures and materials from deteriorating. With attic fans, your attic stays cool and dry while you enjoy greater comfort in your home, lower utility bills and prolonged roof life.

These solar-powered attic fans help keep spaces from reaching incredibly high temperatures when the sun beats down on the top of a home, plus you can feel good about adding to the eco-friendly features of your home. Learn more at www.solatube.com/attic-fans.

Garage fans

For many people, the garage is an extension of the home and offers a bounty of usable space. Whether it’s your place to work on your car, your fitness or a DIY project, you want to keep the heat out. Solatube offers two great solutions: powered and solar-ventilation fans to remove heat and fumes from any garage all day, so you can enjoy your garage in total comfort.

Solar-powered systems run all day without using any electricity so you keep the entire space cool with no cost to operate. You can mount different solar fans on the side of the garage or the roof depending if you have an open ceiling or a living space above the garage. For garages with attic space above them, keep both spaces cool and comfortable and your home protected from the elements with Solatube’s powered garage fan that pulls hot air out of the garage and attic while bringing cool air in from the outside.

With people spending more time indoors than ever before, it’s important to stay comfortable while also being mindful of indoor air quality. Smart ventilation systems let you have both comfort and cool during the toughest days of summer. Learn more at www.solatube.com.


Mindfulness and its proven impact on loneliness: What you should know

2019-06-28T15:19:00

(BPT) – Maybe you know someone who stands by taking five minutes each morning to meditate or finds time after lunch to quiet his or her mind and focus on breathing. Whatever the method may be, incorporating “mindfulness” practices into your life can have a wide range of positive health benefits like improving your memory, sleep and immune system; reducing stress and feelings of loneliness and increasing compassion toward others and yourself.

Mindfulness means taking time to pay attention to yourself and your thoughts and feelings. Read on to learn how you can put mindfulness into practice in your life to help improve your overall health.

How to make mindfulness a routine part of your day.

  1. Find five to ten minutes each day to sit quietly and focus on your breath. (Helpful hint: Put your phone on silent or in another room so you can concentrate!) Take the time to notice where your mind goes and how your body is feeling. You just might find that this helps you focus and prioritize your day.
  2. Before you go to bed take time to focus on the good things that happened that day. Write your thoughts down in a journal. Writing them down can help you deliberately recognize the positive, even on a tough day.
  3. Search for “mindfulness apps” on your smartphone or tablet that lead you in a mindfulness exercise. For many people, using an app is an easy way to remain consistent with the practice. And many of these apps are free!

Feeling lonely? Mindfulness can help.

Mindfulness has been shown to help older adults overcome a silent but urgent health issue: loneliness. It is estimated that more than half of adults age 65 and over regularly experience moderate to severe loneliness. Loneliness is characterized by a marked difference between someone’s desired companionship and actual relationships. Through unique studies conducted by UnitedHealthcare and AARP, researchers are applying the techniques of mindfulness to help combat loneliness in older adults.

Loneliness poses a serious threat to the quality of life for older adults. It is linked to negative health outcomes such as higher risk of dementia, mortality and disability.

“The health risk of chronic loneliness, in older adults, is equivalent to smoking 15 cigarettes a day, and has a greater impact on mortality than obesity,” said Dr. Charlotte Yeh, M.D., chief medical officer, AARP Services Inc. “That is why UnitedHealthcare and AARP Services Inc. are collaborating to identify actionable solutions, geared for any individual across the spectrum of loneliness.”

Researchers looked at whether mindfulness interventions, like breath awareness, self-compassion and kindness exercises, could positively impact a person’s optimism and quality of life — all factors that help reduce loneliness.

Conclusions were encouraging: Mindfulness activities were shown to decrease loneliness among older adults. The research demonstrated that mindfulness reduced stress, and improved memory, sleep, the immune system, resiliency and compassion for self and others.

Although loneliness is complex and challenging to address, a mindfulness practice may help you live your best life.


Looking for ways to reduce health care costs? Try these 5 tips

2019-06-28T10:50:54

(BPT) – Do you know how your health plan benefits work? If not, it’s a great time to learn how to make them work for you.

Rebecca Madsen, chief consumer officer of UnitedHealthcare, offers the following five tips that may lead you to better health and even help save you money.

1. Understand your plan

You may be able to save yourself a lot of time, stress and money if you understand your plan before you need to use your benefits. Learn what your health plan covers — including medical, pharmacy and preventive benefits. When in doubt, call the number on your health plan ID card for the most up-to-date information.

It’s also a good time to make sure you understand common health plan terms, such as deductible, copay and coinsurance.

2. Ask about lower-cost prescriptions

Talk to your doctor about the cost of your medication. Your doctor may be able to help find the most affordable option for you. Many doctors are now using technology like PreCheck MyScript that enables them to view precise medication costs in real time before leaving the exam room.

Generic medications are often more affordable than their brand-name equivalents. In addition, some pharmacy benefit plans now offer discounts at the point of sale in the form of rebates, or a partial refund, from pharmacy manufacturers. These discounts could potentially lower your out-of-pocket costs on select medications.

3. Stay in-network

You can help keep costs down by staying in-network for your health care services. Your insurance company has contracted with certain health care providers to pay an amount of money for your visits, usually at a discounted rate. Because of those discounts, you pay less when you see a health care provider within the network vs. one who’s outside the network.

For out-of-network providers, your insurance may cover only a fraction of the cost of care — or none — depending on your plan. Before you make your next appointment, check with your health plan to make sure the provider or facility is in network.

4. Know your care options before you go

If your health issue isn’t an emergency, it’s usually best to go to your primary care doctor for care. Your doctor knows you and your health history, can access your medical records, can take care of many health needs, and is able to provide follow-up care and refer you to specialists.

If it’s not possible to visit your regular doctor, you may be able to receive fast, professional and lower-cost care at an urgent care center, a convenience care clinic or an online doctor visit. Online doctor visits are a great option for treating conditions such as colds, migraines and allergies. Online visits may cost as little as $40 or $50 per visit, much less than a trip to urgent care or an emergency room.

5. Take advantage of wellness discounts and incentives

Many health plans offer financial incentives that reward you for taking healthier actions, such as completing a health survey, exercising or not using nicotine.

An increasing number of employers are offering wellness discounts and incentive-based wellness programs to help their employees improve their health. These initiatives may also lead to increased employee satisfaction, productivity and reduced costs.

For more tips and information about health care, visit newsroom.uhc.com.


Building a legacy of financial freedom

2019-06-27T13:01:00

(BPT) – What does Juneteenth mean to you? For millions of Americans, Juneteenth marks an important moment in American history, one that spans 154 years.

The original Juneteenth dates back to 1865 and commemorates the day the enslaved people of Galveston, Texas, were notified that they were free by executive decree. This came two years after the Emancipation Proclamation went into effect.

“While this event marked a historic day for Black Americans, the effects of these injustices still linger,” said Dr. DeForest B. Soaries, Jr., the founder of the dfree(R) Financial Freedom Movement, a wealth-building system whose mission is to heal the wounds of the past and create new paths to financial freedom. “Today many black families still deal with race-based economic inequality and, shockingly, the gap has not grown smaller as the years have passed. Instead, it has widened considerably from where it was just four decades ago.” Soaries offers the following points on closing the wealth gap:

Closing the gap through financial planning

There are many strategies for closing the gap of race-based economic inequality and the financial services industry plays a vital role in all of them. As experts in the field, financial services professionals possess a unique ability to support Black Americans in breaking down systemic barriers and shifting individual behaviors in order to create a new financial legacy. The financial services industry can also increase access to products and services, policy solutions and community investments.

Yet education is only one part of the solution. There must also be outreach.

Partnering with community and faith-based organizations like dfree(R), for example, allows the financial services industry to build a bridge to greater financial wellness through innovation and increased awareness. Prudential has teamed with dfree for the Billion Dollar Challenge, an initiative that includes emotional, psychological and financial resources, to support paying down debt through an easy-to-use interactive tool. To date the effort has helped more than 46,000 participants pay off more than $21 million in debt.

In addition to their work with dfree, Prudential has also partnered with Urban One to produce “Legacy Lives On,” a new documentary that amplifies the conversation on the financial wellness of black Americans. The documentary, launching nationally on Juneteenth on the TV One cable network, follows three black millennial women on their journey to financial freedom against the backdrop of a history shaped by injustices. The collection of stories provides a window into the larger problems facing Black Americans today.

Closing the wealth gap benefits society

Increased financial awareness and opportunities serve the entire country’s interest in remaining a strong and globally competitive economy. Black Americans are an essential part of that. According to a Nielsen report, black consumers have $1.2 trillion in annual spending power. In addition, black women make up the fastest-growing demographic of entrepreneurs despite a lack of funding, and black millennials are leveraging the gig economy to generate wealth through innovative entrepreneurship.

Despite institutional barriers, Black Americans are moving forward. Imagine if these roadblocks were removed.

The foundation is there, but it’s up to Americans of every race, as well as the financial services industry, to eliminate these barriers. Education and outreach are key. Learn more about building your legacy of financial wellness by visiting Prudential’s Legacy Building page. Pledge to take concrete steps to learn, teach or join community-based efforts to ensure that next Juneteenth and those that follow are prosperous.

The Rev. Dr. DeForest B. Soaries, Jr. is the Senior Pastor of First Baptist Church of Lincoln Gardens (FBCLG) in Somerset, New Jersey. His pastoral ministry focuses on spiritual growth, educational excellence and economic empowerment. Dr. Soaries launched the dfree(R) Financial Freedom Movement which teaches people how to break free from debt as a first step toward financial freedom. dfree(R) was featured in a 90-minute CNN documentary “Almighty Debt.” He is author of the books “Say Yes to No Debt: 12 Steps to Financial Freedom,” and “Meditations for Financial Freedom – Volumes 1&2.” Visit mydfree.org for more information.