Saving in Uncertain Times

2020-10-19T13:01:01

(BPT) – The savings habits of Americans appear to be shifting in light of the challenging circumstances of the past few months. In addition to shoring up personal savings, there are indications that Americans are reforming their habits in other key areas like healthcare and retirement as they plan for an uncertain future. This newfound diligence represents an evolution of the approach that many had adopted in regard to savings and financial resilience. In response, financial services providers are producing innovative new tools for savers to steady their income amid the turbulence of 2020. Increasingly, these financial providers offer members of key affinity groups special products and services.

Personal Savings

The evolution in savings practices comes at an opportune time; an unprecedented abundance of options means that many have a better ability to improve their savings habits. There is no shortage of data showing many Americans remain unable to handle a sudden, unexpected expense: a January 2020 survey showed that nearly 4 in 10 Americans were unprepared to cover an unexpected $1,000 expenditure, while a 2019 poll revealed that 74% of U.S. workers live paycheck to paycheck.

The good news is that tide may now be starting to turn. Newer data released this spring revealed that American savings account balances are at record highs. From healthcare savings accounts (HSAs) to income-generating retirement vehicles and high-yield savings accounts, individuals are more than ever appreciating the importance of a nest-egg, and companies are rolling out new options to meet customers where they are. One prominent industry example, Marcus by Goldman Sachs®, is offering AARP members a special rate on a no-fee, high-yield Online Savings Account and an exclusive 8-month term on a No-Penalty CD. Their No-Penalty CDs offer a fixed rate with the option to withdraw the full balance beginning 7 days from funding without a penalty.

Healthcare Savings

Health savings accounts (HSAs) were created as a way to help consumers save and plan for health expenses. As increasing healthcare costs began to comprise a greater portion of the average household budget, it became necessary for consumers to prepare for unexpected medical expenses in a more flexible and tax advantageous way. Financial institutions quickly started to realize the potential of healthcare savings plans, and today research shows HSA growth remains strong with $73.5 billion in assets held in more than 29 million accounts.

“An HSA provides more than medical cost savings,” said Paul Leary, Head of Health Benefit Accounts at Optum Financial. “It’s a smart investment option that can help you build a financial plan and prepare for unexpected health costs. The money goes in tax-free, grows income tax-free and comes out income tax-free when you use it for qualified medical expenses. HSAs are portable and have no ‘Use it or Lose it’ rule, so these dollars can be accessed at any time.”

Optum Bank also offers an HSA product that’s exclusive to AARP members.

Retirement

As the retirement savings industry has grown, the limitations of traditional offerings have become more apparent. Specifically, the decline of pensions and rise of 401(k)s has given Americans the opportunity to take a more active role in planning for the future. This has led to the increasing availability of guaranteed retirement income and guaranteed return products.

Providers such as Blueprint Income now offer annuities for those both approaching and in retirement. Special benefits, such as a free annual retirement income checkup, are available to AARP members. Customers capitalize on their existing savings for a guaranteed source of income later in life, providing a level of stability not offered by the market. As the retirement savings industry grows in size and complexity, guaranteed income solutions may become a staple for savers.

Personal savings have never been more important as Americans face the stark reality of a struggling economy. Demand for innovative savings products will continue to evolve as consumers strive to build short-term savings and fund retirement income for today’s longer lifespan.


Don’t wait, vaccinate: Flu season and COVID-19 a dangerous double threat

2020-10-19T08:01:00

(BPT) – Flu season occurring during the COVID-19 pandemic presents a multilayered challenge that has health care experts concerned. The viruses that cause the flu weaken the immune system, making people living with chronic conditions more susceptive to severe complications related to flu or the coronavirus disease.

How can you help yourself and others stay healthy? To protect families from the seasonal flu, during the pandemic, the California Immunization Coalition (CIC) and the California Chronic Care Coalition (CCCC) urge people to get their influenza (flu) shot for the 2020-2021 flu season.

“We are facing a dangerous double threat in the coming months,” said CIC Executive Director Catherine Flores Martin. “Contracting the flu and getting COVID-19 on top of it can be deadly, so don’t wait — vaccinate. Make plans to get a flu shot now to keep you and your family protected from influenza during the pandemic.”

Those at most risk for developing complications from the seasonal flu include people living with chronic conditions such as asthma, lung disease, heart disease, diabetes, liver and kidney disorders, autoimmune disease, cancer and blood disorders. When vaccinated, the risk of getting sick with the flu and possibly being hospitalized or dying from the flu is reduced. This season, getting a flu vaccine has the added benefit of reducing the overall burden on the health care system and reserving medical resources for the care of COVID-19 patients. In addition, it is important that everyone over the age of 65 receive a flu vaccine because:

  • Older adults and people with chronic conditions are more susceptible to influenza and other viruses, 90% of hospitalized adults with COVID-19 complications had at least one high-risk medical condition, and over 60% had 3 more;
  • 80% of COVID-related deaths have occurred in people over 65-years-old;
  • approximately 80% of older adults have at least one chronic disease and 77% live with at least two;
  • between 50% and 70% of seasonal flu-related hospitalizations are for people over the age of 65.

Don’t wait, vaccinate now for the best chance at protection

September and October are good times to get vaccinated. However, as long as flu viruses are circulating, vaccination should continue, even in January or later. The flu season generally peaks between December and February. Unfortunately, less than half of U.S. adults receive a flu vaccine each year. Experts worry fears about being exposed to COVID-19 while visiting flu clinics may keep even more people away from getting this important immunization.

Those that are wary of venturing out to get their flu shots this year should keep in mind most medical offices and clinics are taking precautions to protect patients seeking vaccinations and well-care. These precautions include separate facilities for seeing well-patients, scheduling well visits in the morning and visits for those with symptoms in the afternoon.

If there are concerns, contact a medical provider or a local pharmacy to learn about the safety measures in place to protect patients seeking needed care, like vaccines. In California, many pharmacies are already offering flu shots and they are an excellent option for many families. Visit vaccinefinder.org to find a place nearby to get the flu vaccine.

High importance for people with chronic conditions

“The seasonal flu can be devastating on its own, particularly in those living with chronic conditions,” said CCCC President & CEO Liz Helms. “And those with chronic disease are also more vulnerable for complications if they contract COVID-19, making the coming months even more precarious, and even deadly, for so many Californians.”

Additionally, the Centers for Disease Control (CDC) says flu vaccination can help protect people living with chronic disease avoid worsening illness:

  • Flu vaccination is associated with lower rates of cardiac events among people with heart disease, especially among those who have had a cardiac event in the past year.
  • Flu vaccination can reduce hospitalization for flu-related chronic lung disease, such as chronic obstructive pulmonary disease (COPD).
  • Flu vaccination is shown in separate studies to be associated with reduced hospitalizations among people with diabetes.

“Preventing cases of the flu through vaccination will not only protect seniors and those living with chronic disease from potentially the deadly impact of flu, but since COVID-19 and flu symptoms are similar every person without flu symptoms will be one less person who will worry they have COVID-19 or which would further strain our already overburdened clinics and hospitals,” said Randy Bergen, MD, CIC board president and senior physician at Kaiser Permanente Medical Group in Walnut Creek.


New program through the pharmacy helps people with diabetes save on blood sugar testing supplies

2020-10-19T08:31:00

(BPT) – When it comes to managing diabetes, people living with this chronic condition know it is all about blood sugar. If blood sugar levels get too high or too low, it can drastically alter mood, well-being, and even long-term health.

Checking blood sugar levels is an everyday fact of life for people living with diabetes. Now, with the Accu-Chek® Prescription Discount Program through the pharmacy, it is easy to get, and save on, diabetes blood testing supply products. This program is especially valuable for those with high deductible plans or those who purchase their test strips over the counter.

“Reducing the costs of diabetes care, especially during these challenging economic times, not only increases access to critical supplies for people living with diabetes, but also positively influences adherence to self-management routines,” said Matt Jewett, Senior Vice President and General Manager, Roche Diabetes Care US.

The Accu-Chek Prescription Discount Program bundle includes:

  • An Accu-Chek Guide Me meter
  • An Accu-Chek Softclix lancing device
  • 100 Accu-Chek Guide test strips
  • 102 Accu-Chek FastClix lancets or 100 Accu-Chek Softclix lancets

People with diabetes can download a coupon and present it to the pharmacist along with a prescription from the doctor to receive the savings. Restrictions may apply. See coupon and details here: https://www.accu-chek.com/microsites/prescription-discount-program.

The American Diabetes Association (ADA) recommends blood sugar levels are routinely tested to aid in managing diabetes. For example, it can help identify patterns, such as how blood sugar levels are impacted by meals, medications, and activities.

“This new discount program offered through the pharmacy is one-stop, hassle-free, and costs less, a combination we hope leads to better health outcomes,” Mr. Jewett continued.

For more information, including details about refill options for repeat customers, and resources about blood sugar testing, visit www.accu-chek.com.


Getting Candid About Lung Cancer Diagnosis in the Age of COVID-19

2020-10-19T12:31:00

(BPT) – The COVID-19 pandemic has caused a significant disruption in cancer care and treatment.1 As the leading cause of cancer death in the US, the potential impact on lung cancer is especially alarming.2,3 Recent studies predict a significant increase in the number of cancer deaths over the next five years due to missed screenings, delays in diagnosis and reductions in oncology care caused by COVID-19.3,4

While part of this disruption is due to the reduction and suspension of screening programs and diagnostic services caused by the reallocation of medical staff and resources to fight the pandemic, there are also other important factors at play.1 Nationwide stay-at-home orders, job and/or insurance loss and general fear of exposure to the virus during a doctor visit have resulted in people postponing care for non-COVID-19 health concerns, or foregoing it altogether.1,6 As a result of these factors, although individuals across the US are still getting lung cancer, more people are going undiagnosed until the cancer has reached an advanced stage.5

“What we are seeing in our practice is that people are not coming in for anything unless they absolutely have to,” said Joyce Knestrick, PhD, FNP-BC, FAANP. “They don’t want to go to any screenings. They don’t want to go to any hospital settings to be exposed to COVID.”

Many medical conditions, including lung cancer, will not “wait” for the pandemic to end. Putting off diagnosis and treatment may have significant negative effects on patient outcomes.5

“In my experience, if they don’t know they have a diagnosis they are not going to seek it out unless they are really sick anyway. That’s why I am really worried about the burden on the system when people come in at different levels,” Joyce continued.

Lung Cancer: There’s No Pause Button

Cancer does not discriminate, and its consequences are not pausing even if the world is.

Despite relatively stable lung cancer diagnoses rates for 13 months prior to the pandemic,7* states with a particularly high prevalence of lung cancer where the decline is most notable and severely affected by COVID-19— New York, California, Texas, Tennessee, Pennsylvania, Illinois, Michigan and Ohio— have since seen a 30-60% reduction in such diagnoses as of May 2020.

This sharp decline does not mean fewer people are developing lung cancer. Instead, quite the opposite: more individuals are going undiagnosed and delay treatment until their cancers advance.8

While some individuals with early lung cancer can have symptoms, many do not until the disease spreads. An added challenge is some symptoms such as coughing, shortness of breath and fatigue may mimic those of COVID-19.10,11

If lung cancer symptoms are noticed sooner rather than later, or people at known risk seek medical care, it might be diagnosed and treated more effectively at an earlier stage.

“I think this is a challenging time for all of us, but we are all in this together,” said Nanette Alexander, DNP, APRN, FAANP. “We want to minimize what they need for care, and early intervention does that.”

Reassuring Patients: The Time Can STILL Be Now

It is critical for people at risk for lung cancer, or with potential symptoms, to stay connected with their health care providers and learn how to best seek care given the situation. Even in the face of a global pandemic, concerns should not be put on hold.

Hospitals and clinics are doing all they can to ensure the health and safety of patients during the pandemic. Ultimately, the risk of COVID-19 must be balanced against the risk to the patient of lung cancer progression, and in most cases, lung cancer still represents a greater risk of mortality for patients.3,12

“When your providers say it is safe to go back, go back,” Nanette concluded.

For more information on cancer and COVID-19, visit covid19cancerresources.com.

*Compared to the average lung cancer diagnosis rates from Jan ’19 to Feb ’20.

References

1. Richards M, Anderson M, Carter P, Ebert BL, Mossialos E. The impact of the COVID-19 pandemic on cancer care. Nat Cancer. 2020;1:565-567.

2. American Cancer Society. Key Statistics for Lung Cancer. Available at https://www.cancer.org/cancer/lungcancer/about/key-statistics.html. Accessed August 2020.

3. Amit M, Tam S, Bader T, Sorkin A, Benov A. Pausing cancer screening during the severe acute respiratory syndrome coronavirus 2pandemic: Should we revisit the recommendations? Eur J Cancer. 2020;134:86-89.

4. Maringe C, Spicer J, Morris M, et al. The impact of the COVID-19 pandemic on cancer deaths due to delays in diagnosis in England, UK: a national, population-based, modelling study. Lancet Oncol. 2020;21:1023-1034.

5. Kaufman HW, Chen Z, Niles J, Fesko Y. Changes in the Number of US Patients With Newly Identified Cancer Before and During the Coronavirus Disease 2019 [COVID-19] Pandemic. JAMA Netw Open. 2020;3(8):e2017267.

6. Woolhandler S, Himmelstein DU. Intersecting U.S. Epidemics, COVID-19 and Lack of Health Insurance. Ann Intern Med. 2020;173:63-64. doi:10.7326/M20-1491

7. This is based on information licensed from IQVIA Oncology Real World Insights for the period of January 2019 to May 2020 reflecting estimates of real-world activity. All rights reserved. Study details and information maintained by AZ.

8. Sharpless, NE. COVID-19 and cancer. Science. 2020;368(6497):1290. doi:10.1126/science.abd3377.

9. American Cancer Society. Signs and Symptoms of Lung Cancer. Available at https://www.cancer.org/cancer/lung-cancer/detection-diagnosis-staging/signs-symptoms.html. Accessed August 2020.

10. Centers for Disease Control and Prevention. Older Adults. Available at https://www.cdc.gov/coronavirus/2019-ncov/need-extra-precautions/older-adults.html. Accessed August 2020.

11. Centers for Disease Control and Prevention. Symptoms of Coronavirus. Available at https://www.cdc.gov/coronavirus/2019-ncov/symptoms-testing/symptoms.html. Accessed August 2020.

12. Singh AP, Berman AT, Marmarelis ME, et al. Management of Lung Cancer During the COVID-19 Pandemic. JCO Oncol Pract. https://ascopubs.org/doi/full/10.1200/OP.20.00286

US-44933 Last Updated 9/20


Recovered COVID-19 patient urges others to participate in clinical trials

2020-10-19T13:47:00

(BPT) – Earlier this year, 55-year-old Marc Baranski, his wife, Lynn, and their two kids traveled from their home in Princeton, New Jersey, to visit family in Florida. Unfortunately, upon returning, the entire family developed symptoms of COVID-19.

While his wife and kids recovered relatively quickly, Baranski struggled. He went to an urgent care facility where it was discovered his oxygen saturation was 90%, and he was immediately sent to a local hospital where a chest X-ray confirmed he had COVID-19 pneumonia.

After diagnosis, Baranski received oxygen but his symptoms did not improve. He was also given vitamins C and D, convalescent plasma, and steroids. However, he continued to decline, requiring more oxygen, so Lynn took action and began searching for information to support his care and recovery.

Cytokine storm

During her research, Lynn learned that a majority of deaths associated with COVID-19 are caused by inflammation from cytokine (sy-toe-kine) storm, an over-reaction of the immune system (or hyper-response). As many as 89% of hospitalized COVID-19 patients are at risk of cytokine storm, a leading cause of COVID-19 disease progression, including death. But there’s good news: hospitals across the U.S. are seeking patients to enroll in a Phase 3 trial evaluating an investigational treatment called lenzilumab(TM) designed specifically to target this storm.

Lynn found out that a nearby hospital in Livingston, New Jersey was one of the hospitals enrolling patients in the Phase 3 lenzilumab study, and that the duration of treatment for lenzilumab is only 24 hours.

When she learned that the goal of the trial is to determine if lenzilumab can help hospitalized COVID-19 patients recover faster, she called the trial director at that hospital, Dr. Anup Patel, to see if Marc could participate.

Marc’s care teams connected and confirmed that he met the criteria to participate and he was transferred to St. Barnabas and enrolled.

Baranski was enrolled into the study according to the clinical trial protocol (which is randomized, meaning there is a 50/50 chance he was dosed with either lenzilumab or placebo) shortly after being transferred to St. Barnabas. It is important to note that all subjects participating in this study are able to receive other COVID-19 therapies that are considered standard of care. While it is not clear which treatment group Marc was assigned to, within 24 hours after receiving the study drug, his symptoms dramatically improved and within about a week, he was discharged from the hospital and has since made a full recovery.

The importance of clinical trials

“I viewed the trial as doing everything I could to support my recovery, and a great way to contribute to the fight against COVID-19,” said Marc. “I highly encourage anyone in the same position to seek out this trial, ask about it and enroll if eligible — you are your own best advocate, so ask what your options are.”

Participating in a clinical trial can help researchers discover potential treatment options that may help patients recover faster and reduce their time in the hospital.

“To recover from this pandemic we will need therapeutics, combination approaches and vaccines,” said Cameron Durrant, MD, MBA, chief executive officer of Humanigen, the biopharmaceutical company developing lenzilumab. “When it comes to COVID-19, we believe that having a therapeutic, like lenzilumab, that may reduce the time to recovery and possibly send patients home earlier, is a near-term solution that has the potential to be a game-changer in the face of this pandemic.”

Make a difference

“Participating in clinical trials is a great way to access emerging solutions in addition to standard of care therapies. In the midst of the pandemic, it’s important for patients to ask their doctor if they are eligible for any clinical trials. I recommend having this conversation from the start and asking a few times again if your conditions change,” said Anup Patel, MD, Clinical Trial Investigator, St. Barnabas Hospital, Livingston, NJ.

“I want to encourage anyone experiencing COVID-19 symptoms to learn about potential clinical trials before they get to the hospital, and if they are in the hospital, patients should ask about what ongoing clinical trials they might qualify for — even if the trial isn’t being conducted at the hospital where they are being treated,” says Baranski. “My story serves as a critical reminder of the importance of patient/family partnership with their health care team, and how patients can proactively participate in clinical trial conversations even in the midst of a pandemic.”

To learn more and to find out about a trial site near you, visit www.stopstorm.com.


Ed’s story: Everyone with ALS counts

2020-10-19T14:01:01

(BPT) – Amyotrophic lateral sclerosis (ALS) is a fatal neurological disease that attacks the nerve cells. It first gained national attention as Lou Gehrig’s disease, named after the famous baseball player who was diagnosed with ALS in 1939. To date, the cause of ALS is unknown, and there is still no known cure. The disease strikes quickly, usually leading to death within 2–5 years of diagnosis. But every person with ALS has an individual story, and understanding these stories will help researchers ultimately piece together clues about this disease.

Ed Tessaro was diagnosed with ALS in 2009. As he learned to cope with this diagnosis, he reflects, “I’ve never considered myself a victim of the disease, because I believe in my heart all of us have a wheelchair. In my case, it’s quite literal, but with everything that goes on in my life, I realize that every family has had a crisis.” One of the things that helps him and others with ALS is reaching out for community support and resources. “The ongoing struggle is to encourage newly diagnosed people to come in and talk about their condition. I want to help people learn about the National ALS Registry, clinical trials, and other resources that can provide support and hope.”

The National ALS Registry helps gather information from those who are living with this disease. Researchers from all around the world can access the Registry data to help scientists learn more about what causes this disease. Everyone’s story is different, and everyone’s piece of the puzzle is essential. The Registry has found that more than 16,000 persons with ALS live in the United States. It is important to include as many people as possible living with the disease to get the most accurate information. When patients join, it helps give researchers more information. This could lead to a better understanding of the causes of ALS, because learning more about the disease is one step further in the battle to defeat it.

If you or someone you care about has ALS, please consider learning more about the National ALS Registry by visiting: www.cdc.gov/als.


Stress making you queasy? 5 tips that can help

2020-10-19T16:45:00

(BPT) – Face it, this is a stressful time. Everyone is coping with a lot — from anxiety about the pandemic and financial worries to stress around work and family schedules, and so much more. According to a CDC survey this June, over 30% of the respondents reported symptoms of an anxiety or depressive disorder. With so much stress and anxiety this year, many people find themselves sick to their stomachs — literally.

If anxiety is making you or a family member feel nauseated, you may have looked for over-the-counter remedies, which can make people feel drowsy or that you may worry about giving to children.

“Both adults and children can experience symptoms like nausea due to anxiety,” said family practitioner Dr. Ian Cracknell. “But fortunately, there are non-medicinal strategies available for reducing these symptoms.”

If you’re looking for safer, natural ways to help relieve your anxiety-related nausea without adverse side effects, there are options that can help make you or your loved one feel better soon.

Try these tips to help relieve nausea due to anxiety.

1. Enjoy some hot herbal tea

Sipping particular beverages slowly has been shown to help reduce feelings of nausea. Whether you prefer hot or cold beverages, it’s generally considered most effective to stick to one or the other.

All three varieties of herbal tea have been shown to help reduce symptoms of nausea:

  • Ginger
  • Chamomile
  • Peppermint

2. Sip a fizzy cold beverage

If you prefer cold beverages, try:

  • Ginger ale
  • Any clear carbonated soda

Whichever beverage you try, sip slowly to give your stomach time to settle down.

3. Harness the power of acupressure

One acupressure point in the wrist, termed the P6 (or Nei Guan in Chinese medicine), can help relieve nausea and upset stomach when pressure is applied. With a specially designed wrist band from Sea-Band Nausea Relief, this acupressure point is stimulated by a plastic stud attached to the inside of the band. You can adjust the soft, comfortable wrist band to fit snugly on your wrist (or on a child age 3 and up) to help relieve nausea within minutes. The bands even come in child-size packs.

A University of Pittsburgh Medical Center study showed that using Sea-Band acupressure wrist bands on post-operative patients reduced the incidence of nausea to 10%.

“Sea-Bands are a low-cost, effective and drug-free alternative that I often recommend to patients,” said Dr. Cracknell. “They are clinically proven to reduce nausea in patients due to a variety of causes — from anxiety and migraines to motion sickness and morning sickness.”

Former high-risk maternity nurse, acupuncture student and mom Sheri H. used Sea-Bands to reduce her morning sickness, and she recommends them for anyone experiencing nausea, no matter the cause: “I highly recommend them personally and professionally, for all women who experience nausea during pregnancy. And I’m sure these help with all kinds of medical nausea — post-operative, chemo, etc.”

Whether your children are stressed about their new school routine or you’re feeling anxious managing the “new normal,” Sea-Band provides one easy-to-use source of relief to reduce those queasy feelings.

For more information on Sea-Bands and how they work, visit Sea-Band.com/FAQs.

4. Enjoy the benefits of aromatherapy

Recent interest in essential oils and aromatherapy has caught the attention of the medical establishment. For example, patients at the Mayo Clinic who suffered from nausea were offered cotton balls with a few drops of ginger or spearmint to breathe in, which helped them cope with feelings of queasiness.

A recent study published by the National Institutes of Health concluded that controlled breathing exercises and peppermint aromatherapy can be helpful, with over half (57%) of the participants discovering that the peppermint helped them feel less nauseated, and 62% finding relief with the breathing exercises.

Others have found that inhaling citrus scents, like that of a freshly cut lemon, can help.

5. Inhale fresh air

Breathing exercises do help many who suffer from anxiety-related nausea, as does simple exposure to fresh air. Walking outside, meditating or doing deep breathing exercises are all worth a try for relieving not just the nausea, but some of the underlying stress or anxiety as well.


4 ways to make holiday shopping a breeze this year

2020-10-19T10:01:00

(BPT) – This year more than ever, we’re all ready to kick back and enjoy a relaxing holiday season. Shopping online is a great way to get your shopping done safely and conveniently this year — in fact, the majority (59 percent) of holiday shoppers plan to shift more of their shopping online compared with last year, according to the National Retail Federation’s annual consumer holiday survey.

Whether you love the thrill of holiday shopping or are usually more of a gifting procrastinator, here are a few simple strategies you can apply to your online shopping that will have you checking holiday errands off your list in no time, leaving you more time to celebrate with family and friends this year.

1. Make a list (and check it twice)

First, make a list of those people in your life that you want to delight with a special gift this year. Next, create a workable budget for your gift shopping as a whole, then break down that budget per person, deciding who you might want to splurge a little more on this year, versus those that might be just as happy with something simpler. That way you’ll know what you can afford before your list gets away from you.

2. Start early

No need to wait until Black Friday this year to score incredible deals on everything you need this season. Beat the holiday rush by taking advantage of early savings and deals, so you can stress less and get on to enjoying the season. Amazon is kicking off the holiday shopping season earlier than ever with its Holiday Dash deals event, bringing Black Friday deals and discounts to all customers earlier than ever.

Start snatching up deals now at www.Amazon.com/holidaydash, on the Amazon App, or by simply asking “Alexa, what are my deals?” With new deals dropping every day, you can shop with confidence that you’re getting Black Friday-worthy deals and incredible savings on a huge selection of products, making it easy to check everyone off the gift list earlier than ever. Best of all, online shopping means everything is delivered quickly and safely — helping you save even more time and money by not having to visit multiple stores.

3. Let gift guides do the work for you

Need gifting inspiration? If you’ve got your list and budget together but are stuck on a few ideas, gift guides are the perfect place to start. Amazon’s holiday gift guides are easily sorted by things like price, age and areas of interest, so you can find something for everyone on your list, no matter the budget – just go to amazon.com/gifts. Still stumped? Let Alexa do the work for you by asking things like “Alexa, give me gift ideas under $50,” for more gifting inspiration within your budget.

4. Get more for your dollar with easy saving hacks

For many, budgets are tighter than ever this year — in fact, a recent survey conducted by Accenture showed that nearly 1 in 4 are cutting holiday spending because of a tough year — making it more important than ever to get more for your holiday dollar.

Luckily, in addition to scouting out early holiday deals there are some easy ways to get the best bang for your buck throughout the whole season. Check out Amazon Coupons for special offers that are updated frequently on thousands of products — all without the hassle of clipping, and set up the Amazon Assistant to easily monitor and compare prices on all the products you want, so you can be sure you are getting the best deals on all the best gifts. Or check out some of Amazon’s lesser known options, like Amazon’s Renewed Deals, where you can discover professionally inspected pre-owned, refurbished and open-box products — or Bargain Finds, which is great for discovering unique gift ideas all under $15.

Follow these tips and you’ll feel more prepared than ever going into the holiday season!


Study: Minority-owned small businesses in the U.S. are better at adapting to COVID-19 and showing more optimism than others

2020-10-19T08:01:00

(BPT) – It’s not surprising that many small businesses are struggling to maintain operations, earn profits and sustain their work forces in the wake of the economic downturn caused by the COVID-19 pandemic.

However, many minorities who own small businesses across the U.S. remain more optimistic about the future than their non-diverse counterparts, though they acknowledge a need for greater support from the government from their communities and from the private sector.

Those were some of the findings of the nationwide Small Business Mindshift 2020 survey recently completed by Union Bank, a financial institution that’s been serving small businesses on the West Coast for more than 155 years.

The survey determined that in the U.S., 34% of minority small-business owners (SBOs) can “see a path forward” for future business success and survival despite COVID-19. In comparison, only 20% of non-diverse SBOs are predicting such outcomes. Minority SBOs have also been comparatively more proactive than their peers in forming new strategies to cope with pandemic-imposed changes. In fact, 24% believe COVID-19 has had a positive effect on their businesses, compared to just 12% of non-diverse SBOs. Minority SBOs include those owned by Black, Latinx and Asian respondents.

“These survey findings reinforce what we already know — minority small businesses have always worked hard despite difficult circumstances or external environments — and as a result, have consistently been more resilient and adaptable,” said Frank Robinson, Diverse Markets and Community-Based Programs Executive for Union Bank. “Minority small businesses are at the heart and soul of their local communities, and as such, we are committed to helping them recover and thrive by providing them added support through critical economic stability and the tools necessary to succeed moving forward.”

In other findings from the bank’s latest survey:

U.S. minority SBOs are better at adapting their business strategies

In general, U.S. minority SBOs have shown significantly more innovation than others when it comes to adjusting business practices to stay afloat; 52% have altered products or services, 50% have changed online retail options and 47% have switched their online advertising messaging.

California-based SBOs are struggling, but minority owners are more optimistic

SBOs in California are feeling more deflated and uncertain compared to other small business owners across the U.S. Only 13% of California small business owners say they see a path forward for how their business can survive versus 23% U.S. SBOs overall. Additionally, 41% said that applying for the financial aid that could help their businesses is too complex to even attempt.

Again, however, minority SBOs in California have demonstrated more innovation and optimism during this time and have been more likely than their peers to implement new strategies. Not only are minority SBOs in California more likely to have embraced their community leadership roles — with 55% feeling an increased sense of responsibility to help their community vs. 44% of non-diverse SBOs — but they’re also getting more support in return, with 39% feeling supported by their local community vs. 33% of non-diverse SBOs.

COVID-19 vaccine key to success

A third of U.S. small-business owners said their future success and survival will be determined by the Presidential election, and two in three see the 2020 election as the most important in their time as business owners. However, the overwhelming majority said that the availability (or lack thereof) of a COVID-19 vaccine will be the No. 1 issue affecting their success over the next six months.

As a way of supporting minority businesses and helping to address social and racial injustices in the U.S., Union Bank took the initiative in June to launch a $10 million Community Recovery Program aimed at providing SBOs access to capital, entrepreneurship, job retention and retraining.

“This pandemic has hit all small businesses, and particularly minority owned small businesses, extremely hard,” said Todd Hollander, Head of Business Banking and Small Business for Union Bank. “But every day, we see our clients finding creative ways to keep their doors open and their employees paid. We are here to support them in those efforts both as a bank and as members of our local communities.”

More information about Union Bank’s Community Recovery Program is available at UnionBank.com/about-us/newsroom/community-recovery-program.


62% of teens experiencing COVID-19 related disruption in driver education/licensing [Infographic]

2020-10-19T09:01:00

(BPT) – Michelin North America, Inc. partnered with Governors Highway Safety Association to provide resources to parents during National Teen Driver Safety Week.

A newly released survey of parents reveals that many teens are experiencing a COVID-19 related disruption in driver education/licensing, but 35% of parents don’t have a backup plan for replacing lost learning. Motor vehicle crashes remain the No. 1 killer of teens in America, and according to analysis by the National Highway Traffic Safety Administration, nearly 300,000 crashes involving young, inexperienced drivers are related to tire issues like worn treads and over- or under-inflation.