Bend, don’t break: A guide to resiliency from military spouses

2021-01-19T12:01:00

(BPT) – What do you do with uncertainty? Much less a year of it or more? The COVID-19 pandemic has presented us with challenges, hardships and instability of every kind — important events canceled, travel put on hold, businesses striving to stay open, kids and parents adjusting to virtual learning and work. Above all, the threat of a loved one falling ill has remained ever present.

The only thing certain is that this past year has required a critical skill: resiliency. But as with any skill, resiliency doesn’t always come naturally — becoming more resilient takes work. Something military families know well.

For servicemembers, resiliency is part of their training. The U.S. Department of Defense Master Resilience Training Course teaches them to master energy management, emotion awareness and regulation, impulse control, de-catastrophizing and more to prepare for the challenges they may face. But for military spouses, resiliency is a skill gained through their lived experience managing life at home while their husbands and wives are deployed. “If you embrace the need for resilience, you also embrace the fact that life is full of highs and lows,” says American Legion Auxiliary National Headquarters’ Veteran Affairs & Rehabilitation Program Manager Chrystal Daulton, whose husband has been stationed away from home for half of their 24-year marriage. “When you’re flying high and everything is great, resilience helps you navigate the inevitable bumps in the road with grace.”

The military spouses at American Legion Auxiliary National Headquarters supply advice they like to share with others about navigating times of uncertainty and the unexpected. Here are some of their key tips:

Keep going. Don’t focus on the obstacle; think about the next step you can take. Maybe you’re reeling from disappointment or feeling like life is a little unfair these days, but the reality is, dwelling rarely does us any good. Try to turn your initial reaction into an action. And if you need a little help on your way, call your doctor to talk about breathing or calming techniques that may help you process and move past those initial feelings.

Make your bed every morning. Small tasks like this one can have a big impact on your day — providing a sense of control over your circumstances and a sense of accomplishment. No matter what else may have gotten in the way of your day, when you climb into a well-made bed, you’ll know you conquered something.

Look on the bright side. Always try to find a positive in every negative, no matter how hard that can be. Does your world feel like it’s crashing down? Maybe the weather forecast is saying otherwise — maybe get outside for some fresh air and fresh perspective. Your child has a cold that just won’t go away, and you’re feeling exhausted? Think of this as extra snuggle time with your little one; they won’t stay that way forever. Finding the silver lining is a creative exercise you can do for any issue.

Connect with friends and family. If the pandemic has taught us one thing, it’s how difficult it is to be isolated from those we love. While getting together in person may remain a challenge, there are always video calls, phone calls or even classic letter-writing to stay in touch. Be sure to reach out and talk to others; don’t wait for them to reach out to you. If you feel like you’re at the end of your rope, call a friend and commiserate, complain, share support and remind yourselves that you’re not alone. Staying connected to others is one of the most important steps in resiliency.

Have a plan. Even though things can change, make goals and hone new skills that make you feel more confident and capable. Whether you’re planning a far-off event or discovering a new passion, working on a plan can be an ideal way to stay occupied and take your mind off of anything stressful.

Memorize a mantra. A prayer, a favorite quote or an expression that you come up with all on your own — having a mantra to recite can be a useful calming technique and a way to recenter when you feel yourself losing your cool. “The Serenity Prayer” is an example of a step toward resiliency: “God, grant me the serenity to accept the things I cannot change, courage to change the things I can and wisdom to know the difference.”

Take a break from the outside world. Unplug from your devices for a while and find another low-fi way to occupy your time, hands or mind. A good book, a puzzle, a long walk. In a world where we’re inundated with new information and stories, it can feel overwhelming, sometimes without us even realizing it. Let your family know you’ll be turning on your “Do Not Disturb” and disconnect for a bit. After all, it’s not just our devices that need power; you need to “recharge” too.

Don’t be everything to everybody. With all of the incredible responsibilities you can feel as an employee, friend and family member, it can be hard to remember to take care of yourself first. Take time for you and treat yourself to things you enjoy, whether soaking in a hot bubble bath or bundling up with a cozy blanket and binge-watching your favorite TV show. Allowing yourself to unwind is not only gratifying, it also ensures you’re able to be more giving in other facets of your life.

Volunteer and become involved in your community. Acting in service to others is one of the best ways to feel like you’re making a difference in challenging times. Look for volunteer opportunities in your community. A great place to start is by contacting your local American Legion Auxiliary unit. Ask about ways you can volunteer or if you are eligible to become a member. You can also visit www.ALAforVeterans.org to find out more. You’re sure to see the positive impact of that volunteer work in your own life, as well as the lives of others.

Take it from those who know best — resiliency is the key to managing uncertainty and change. By employing these small, simple actions, you can build a significant new skill that will serve you well through this challenging time and beyond.

Reinventing the rebate: Incentivizing today’s mobile, digitally savvy consumer

2021-01-19T20:05:00

(BPT) – The next big thing in the quest for customer loyalty isn’t new, and it isn’t fancy. But it definitely does not come in the mail. The traditional rebate is being replaced by digital or virtual rebates — which are an effective way for companies to attract consumers, enhance the customer experience and build brand loyalty.

A recent Consumer Incentives survey by North Lane found that over 91% of consumers were open to using virtual rebates, and 79% would choose a digital rebate over a traditional mail-in rebate. Virtual rebates were perceived as easier to use, and 41% preferred them because they are greener than mail-in rebates. Approximately 84% of respondents said the option to receive a digital rebate improved their opinion of a brand.

And it’s no wonder consumers prefer the digital option — shoppers aged 18 to 44 said their top frustrations with traditional rebates were the long wait time to receive rebates and the complicated steps to redeem them. In contrast, virtual rebates are faster and simpler.

The evolution of the rebate

Ranging in value from a few dollars to several thousand dollars, rebates have been offered by a wide variety of manufacturers in recent years.

According to Inc.com, they evolved in some degree from the discount coupon. But instead of offering savings with a reduced price at point-of-sale, rebates require shoppers to complete additional steps to get cash back. These include completing a form, providing proof of purchase such as a receipt, and then mailing these items by an expiration date to receive the rebate check in the mail — eventually.

While rebates entice shoppers to buy a particular product with the hope of getting cash back, many shoppers actually fail to complete the process. As a sales tactic to drive primary purchases, rebates often succeed. The North Lane survey found that 60% of respondents had switched from a favorite brand because a different brand offered a rebate. But in some cases, companies that miscalculate consumer interest or follow-through on rebates can end up losing revenue or miss out on opportunities to cement brand loyalty and drive secondary purchases.

This is especially true if, from the customer’s vantage point, the rebate process does not seem worth the trouble. And after a negative rebate experience, over half (53%) of customers would not or would be unlikely to shop with that brand again. These days, virtual rebates fix most or all of the pain points that prompt consumers to label a rebate experience as negative. So, they’re a win for both brands and their customers.

The digital revolution

In today’s marketplace, expectations for smoother, digitally enabled experiences have grown. Consumers have not only gone digital for tasks like shopping and banking, but they also expect seamless experiences at all brand touchpoints.

Virtual rebates eliminate frictions like delivery issues, long waits for payment and difficulty spending the rebate. Today’s virtual rebates are digital open-loop cards received by email, SMS or in app. They can be spent online, via mobile or in person using the customer’s mobile wallet, offering unparalleled choice.

Much easier to manage than traditional mail-in rebates, digital rebates are viewed more like cash equivalents. Read: higher value. They also drive both primary purchases and spendback. In fact, 90% of the survey respondents said they were likely or somewhat likely to spend their virtual rebate with the same brand they got it from.

A growing opportunity

Delivering a frictionless rebate experience helps boost brand loyalty and advocacy among consumers — both valuable commodities in today’s influencer-driven market.

Despite the report’s findings that consumers are overwhelmingly interested in digital rebates, only 27% reported having received an offer for one. This suggests that many businesses are not yet on the virtual rebate bandwagon. By expanding their rebate offerings to accommodate the preference for virtual, brands could see larger gains from their incentive programs.

Offering digital rebates to consumers also allows businesses to learn more about the customer journey. Using data from virtual rebate redemption, companies can track repeat customers and learn how their rebate programs builds loyalty over time. And according to a recent article in McKinsey Quarterly, businesses wanting to stay competitive need to move as quickly in the digital space as their customers do.

“As the world changes, the way consumers shop and use rebates continues to shift to digital. We know brands are placing priority on providing customers with simple, engaging digital experiences,” said Seth Brennan, CEO of North Lane. “Virtual rebates are highly effective at providing an enhanced customer experience and incentive, driving purchases, increased engagement, and ultimately, brand loyalty.”

To learn more about digital incentives and other options for your business, visit NorthLane.com.

5 delicious things you didn’t know about ghee

2021-01-18T14:17:00

(BPT) – If you’ve heard of ghee, you might know of its recent, growing popularity as part of many wellness habits this time of year. Or, perhaps from its roots in the Ayurvedic health approach, which originated over 3,000 years ago and is still in use today.

But what is ghee? How do you use it, and what are its possible benefits?

Here are facts about ghee that may just make you interested in trying it yourself, or turn it into your new pantry staple.

1. Ghee is lactose free

Ghee is originally derived from dairy, and is essentially butter that has been clarified — meaning it’s cooked giving it added depth of flavor and richness.

For example, Organic Valley Ghee starts as organic butter made from pasture-raised milk, containing more omega-3s and CLA (conjugated linoleic acid) than conventional milk, but with no antibiotics, synthetic hormones, pesticides or GMOs. It is slowly simmered to remove excess water. During the simmering process, lactose and milk solids caramelize slightly, imparting a nutty flavor to the oil. Then the lactose and milk solids are filtered out, so ghee can be used by people who are lactose intolerant.

2. Ghee works in many wellness plans

From a nutritional perspective, ghee has no casein (a protein found in milk and other dairy products), no lactose, no salt. Because the lactose and milk solids are removed, ghee is accepted as part of many wellness plans, including Keto, Whole 30, Paleo and Ayurvedic. So if you’re looking to replace other cooking oils and fats, ghee is a great option. And, it’s a good way to add omega-3 to your day.

3. You can use ghee just like butter or your favorite oil

It might be surprising, but you can use ghee just as you would butter or any other cooking oil. You can cook and bake savory or sweet dishes, and you can even spread it on bread. Ghee tastes great on popcorn, or use to turn your favorite tea into a tea latte.

However, unlike butter, ghee does not need refrigeration. Store in a cool, dry, dark place for optimal flavor and a long shelf-life.

4. Enjoy high-heat cooking? Ghee is the perfect choice

More highly refined fats like ghee have a higher smoke point, as the process of making it removes impurities that can cause it to smoke during the cooking process. Ghee’s high smoke point means it works well with stir fry, high heat sauteing, roasting or baking. If you use oil with a low smoke point when cooking at high heat, you may be adding a burnt flavor to your food — and reducing some beneficial nutrients of the oil you’re using.

Ghee adds depth and richness to foods, providing hints of sweetness and roasted nuts to your favorite dishes.

5. Ghee creates delicious recipes

Try this tasty and comforting winter drink, then sign up to receive a free e-book with more recipes using Organic Valley Ghee.

Golden Milk

Ingredients

1 teaspoon Organic Valley Ghee
2 cups whole or 2% milk
4 teaspoons grated fresh turmeric or 1 teaspoon dried turmeric
1 teaspoon grated fresh ginger
Pinch black pepper
Honey or other sweetener (optional)

Directions

Place ghee in small saucepan over medium heat
Once ghee is melted, add milk and stir gently until combined
Add turmeric, ginger and black pepper.
Continue stirring until mixture is warm, but not boiling.
Remove from heat, add honey or sweetener of choice to taste, and enjoy!

Looking for ghee?

Find organic ghee with cooking oils, in the natural foods section or in the butter fridge. Find Organic Valley Ghee at retailers nationwide or online, click here to find ghee in your area.

5 ways to focus on wellness – and enjoy your life

2021-01-18T08:01:04

(BPT) – The beginning of a new year always inspires and encourages new attitudes and ideas for taking care of yourself. But too often, strategies recommended for being healthier are centered around sacrifice and not letting yourself enjoy what you normally love.

Why not look for new ways to stay well and enjoy yourself at the same time? Feeling good shouldn’t be about making life more difficult or less fun, and the good news is that it doesn’t have to be. Here are some tips to improve your well-being while still savoring what you love most about life.

1. Move happy

Yes, you know exercise is good for you. But that doesn’t have to equal hours on the treadmill. Find ways to move you really enjoy, like walking or biking in nature, trying a new sport you can enjoy outdoors (how about snowshoeing or ice skating?) or even throwing a dance party to music you love in your own living room.

Being active outdoors also gives you a dose of vitamin D, which can boost your mood and support your overall well-being. Finding fun ways to enjoy movement just takes a little imagination — and a spirit of adventure.

2. Focus on flavor

Eating healthier is possible while still satisfying your craving for flavor. Fresh herbs like basil and chives, along with aromatics like ginger, chilis and garlic, are healthy options that can take your meal to the next level. Flavor boosters like these will help you enjoy healthy veggies, whole grains and lean protein even more.

Craving something tasty and crunchy? If you love snacking (and who doesn’t?), there are great new alternatives to traditional chips. For example, PÖRQ artisanal fried pork rinds offer tons of flavor, with zero carbs and zero trans fats — making them the perfect choice for a quick go-to snack, especially for those following the keto plan.

This gluten-free snack comes in three bold flavors:

  • BBQ and Zesty Chipotle
  • Smoky Black Pepper and Sea Salt
  • Fine Herbs and Vinaigrette

PÖRQ also offers eight or more grams of protein per half-ounce serving, so you’ll feel fuller longer. Find them near you at PorqSnacks.com.

3. Relax to recharge

During stressful times, it’s more important than ever to find ways to reduce tension and feel more centered. Turn off the guilt (and the to-do list) and be your own best friend. If your BFF was barreling toward burnout, what advice would you give? Follow it!

Experiment to find what works for you, and make time for relaxation every day — even if it’s just 15 minutes:

  • Reconnect with a friend or family member you haven’t spoken to in a while.
  • Listen to music that lifts your mood.
  • Drink a cup of herbal tea — or if tea isn’t your thing, try hot apple cider or warm milk with nutmeg.
  • Calm your mind by calming your body. Pay attention to where you hold your muscles tightly and relax them one by one.

4. Get enough z’s

If you’re not getting enough sleep, you probably already know it. Instead of reaching for more and more caffeine to get through the day, see if you can reorganize your schedule to get to bed earlier or sleep in a little later.

Try doing one of the activities in the previous step shortly before bed to make it easier to fall asleep, and be sure to shut down your gadgets an hour before bedtime.

5. Make time for you

Well-being is not just about pounds on a scale or what foods you consume. It’s about enjoying life — even while you’re just hanging out at home. Make space and time for hobbies and activities that bring you happiness. Explore new interests and stay connected with friends as part of your weekly routine, and you’ll soon notice a difference in your outlook.

Shifting your focus to what genuinely makes you feel better and helps you enjoy life is one of the best ways you can improve your wellness, no matter where you are on the journey.

Start 2021 on a high note with these hacks

2021-01-18T11:19:06

(BPT) – While 2020 was a rollercoaster of emotions, this year doesn’t have to be. These hacks will help you navigate the new norm this year — and make sure 2021 kicks off on a stress-free note.

1) Make your home cozy

Make your home extra cozy this season since everyone is still spending more time at home. Missing family members who can’t visit? Incorporate their photos into your decor to invoke family memories and to feel closer. Cheery decor can improve your entire vibe — so whether you deck the patio with string lights, buy some new cozy candles or spice up your bar cart with festive beverages, embrace the at-home life.

2) Protect your packages with in-garage delivery

If you’re planning to do most of your shopping online like the majority of Americans, it’s even more important than ever to be prepared with a secure and contactless delivery solution like Key by Amazon In-Garage Delivery. Amazon recently expanded the service to millions more Prime members in more than 4,000 cities across the United States. Ensure your packages are protected against damage, theft and weather. All you need is a myQ smart garage door opener linked to Key by Amazon app to have packages delivered directly into your garage. myQ technology can be added to all leading brands of garage door openers in minutes via a myQ Smart Garage Hub.

3) Start a new family tradition

Since life is slowed down and everyone is snuggled in at home, consider making the most of the situation and putting some extra thought into starting a new family tradition for special days in 2021. Try experimenting with new delicious family recipes (perhaps spark some friendly competition with a bakeoff over Zoom?), having an online trivia party for your birthday or maybe even try building an ice-skating rink or putting green on your lawn.

4) Entertaining and need extra space to spread out? Consider your garage

Your garage is an extension of your home and can be a great place this year to remain socially distant. If you’re entertaining and need extra space to spread out, why not utilize your garage? The indoor/outdoor space lets in fresh air and creates additional room for hosting loved ones. Add space heaters, twinkling lights, some fun music and pour the hot cocoa!

Tips to help make the most of your health plan in 2021

2021-01-15T14:47:00

(BPT) – Last year was a difficult year as the COVID-19 pandemic swept through our country, impacting families and communities nationwide. The health challenges of the pandemic also provided a crucial reminder about the importance of health care.

For many Americans, new health plan benefits began in January. If this is your situation, now is the perfect time to learn how to maximize this year’s health benefits, which may help improve your health — and possibly save money too.

Ann Marie O’Brien, R.N., national director of health strategies at UnitedHealthcare, provides the following tips to help you take charge of your health and get the most out of your plan in 2021:

  • Understand health insurance concepts. Review common health insurance terms like premium, deductible and copay. This may help you better understand your plan and how your costs are calculated. Insurance plans differ depending on the providers you see and how much you pay for services. Remember, in-network providers are contracted with your health insurer to provide services at a lower cost, so consider checking whether your current health care providers are in your network before making an appointment. Out-of-network providers may cost more and lead to higher out-of-pocket costs for you.
  • Schedule preventive services. Be proactive by taking advantage of preventive services that are often covered by your insurance, like an annual physical, mental health screening or flu shot. Scheduling these appointments with your primary care doctor may help prevent health problems before they arise.
  • Check your behavioral health coverage. Some insurers, such as UnitedHealthcare, offer behavioral health care programs that can range from treatment for substance use, eating disorders, anxiety and stress, with a goal of helping to improve your overall well-being. For example, an on-demand emotional support mobile app called Sanvello® is available to help you cope with stress, anxiety and depression.
  • Take advantage of telehealth visits. A popular health care choice, especially during the COVID-19 pandemic, has been telehealth or virtual visits, which enable people to connect 24/7 with a health care provider via a smartphone, tablet or personal computer. They may be an easier, more affordable way to talk to a doctor about common health issues. Log in to your health plan’s member portal to check availability.
  • Explore your options for wellness programs. Many health plans now offer discounts and other incentives for working out, walking, signing up for an online health coaching program, lowering your cholesterol, or avoiding nicotine. Incentive-based wellness programs are designed to reward people for making healthier choices. Check with your insurer or employer to see what programs are available to you.
  • Review your prescription coverage. Check to see what’s covered under your prescription drug plan by logging into your health plan’s member portal or by calling the phone number on your ID card. Your plan will show medication costs and coverage and help you locate a network pharmacy. It also helps to ask about generic medication options. In many cases, generic medications contain the same active ingredients as their brand-name counterparts, and they may save you money.
  • Apply for a child medical grant. Some charitable organizations, such as the UnitedHealthcare Children’s Foundation (UHCCF), provide child medical grants to middle- and low-income families who don’t qualify for Medicaid. Families can receive up to $5,000 annually per child ($10,000 lifetime maximum per child) and do not need to have insurance through UnitedHealthcare to be eligible.

    Since 2007, UHCCF has awarded more than 25,000 grants valued at over $54 million to children and their families across the United States. Families can read eligibility criteria and complete an online application at www.uhccf.org.

Becoming familiar with your new health plan — especially at the start of a new year — is one way to help you be proactive when it comes to your health. For more health and wellness information, visit UHC.com.

Tips to help make the most of your health plan in 2021

2021-01-15T14:47:00

(BPT) – Last year was a difficult year as the COVID-19 pandemic swept through our country, impacting families and communities nationwide. The health challenges of the pandemic also provided a crucial reminder about the importance of health care.

For many Americans, new health plan benefits began in January. If this is your situation, now is the perfect time to learn how to maximize this year’s health benefits, which may help improve your health — and possibly save money too.

Ann Marie O’Brien, R.N., national director of health strategies at UnitedHealthcare, provides the following tips to help you take charge of your health and get the most out of your plan in 2021:

  • Understand health insurance concepts. Review common health insurance terms like premium, deductible and copay. This may help you better understand your plan and how your costs are calculated. Insurance plans differ depending on the providers you see and how much you pay for services. Remember, in-network providers are contracted with your health insurer to provide services at a lower cost, so consider checking whether your current health care providers are in your network before making an appointment. Out-of-network providers may cost more and lead to higher out-of-pocket costs for you.
  • Schedule preventive services. Be proactive by taking advantage of preventive services that are often covered by your insurance, like an annual physical, mental health screening or flu shot. Scheduling these appointments with your primary care doctor may help prevent health problems before they arise.
  • Check your behavioral health coverage. Some insurers, such as UnitedHealthcare, offer behavioral health care programs that can range from treatment for substance use, eating disorders, anxiety and stress, with a goal of helping to improve your overall well-being. For example, an on-demand emotional support mobile app called Sanvello® is available to help you cope with stress, anxiety and depression.
  • Take advantage of telehealth visits. A popular health care choice, especially during the COVID-19 pandemic, has been telehealth or virtual visits, which enable people to connect 24/7 with a health care provider via a smartphone, tablet or personal computer. They may be an easier, more affordable way to talk to a doctor about common health issues. Log in to your health plan’s member portal to check availability.
  • Explore your options for wellness programs. Many health plans now offer discounts and other incentives for working out, walking, signing up for an online health coaching program, lowering your cholesterol, or avoiding nicotine. Incentive-based wellness programs are designed to reward people for making healthier choices. Check with your insurer or employer to see what programs are available to you.
  • Review your prescription coverage. Check to see what’s covered under your prescription drug plan by logging into your health plan’s member portal or by calling the phone number on your ID card. Your plan will show medication costs and coverage and help you locate a network pharmacy. It also helps to ask about generic medication options. In many cases, generic medications contain the same active ingredients as their brand-name counterparts, and they may save you money.
  • Apply for a child medical grant. Some charitable organizations, such as the UnitedHealthcare Children’s Foundation (UHCCF), provide child medical grants to middle- and low-income families who don’t qualify for Medicaid. Families can receive up to $5,000 annually per child ($10,000 lifetime maximum per child) and do not need to have insurance through UnitedHealthcare to be eligible.

    Since 2007, UHCCF has awarded more than 25,000 grants valued at over $54 million to children and their families across the United States. Families can read eligibility criteria and complete an online application at www.uhccf.org.

Becoming familiar with your new health plan — especially at the start of a new year — is one way to help you be proactive when it comes to your health. For more health and wellness information, visit UHC.com.

Youth vaping education course focuses on prevention and e-cigarette addiction with resources to quit

2021-01-15T11:25:00

(BPT) – Amid the nation’s ongoing youth vaping epidemic, health organizations are stepping in to help teens kick nicotine out of their lives. According to the latest CDC data, one in five high school students use e-cigarettes with nearly 40% of users doing so on a regular basis.

Youth vaping prevention and education curriculum

Truth Initiative, the organization behind the youth smoking and vaping prevention national truth campaign that helped drive down youth smoking to historic lows, and Kaiser Permanente as part of its Thriving Schools initiative, recently launched a free national curriculum called Vaping: Know the truth. In addition to encouraging students to live vape-free lives, the course educates about the health dangers of e-cigarettes and provides essential resources to help young people to quit vaping or never start in the first place. The curriculum is available directly to schools by leading social impact education innovator, EVERFI and the American Heart Association is promoting the availability of the course as part of its Tobacco-Free Toolkit.

Vaping: Know the truth is a self-paced interactive course with peer-to-peer, digital instruction geared to high school students and available to teachers across grade levels. The course curriculum is comprised of four learning modules and through real-world scenarios, students will learn about the risks of vaping nicotine, the marketing efforts used by the tobacco industry that target young consumers and the dangers of addiction to help empower them to make healthier, more informed choices.

Given that millions of youth are already vaping, this digital course directly links to Truth Initiative’s first-of-its-kind, free and anonymous text message quit vaping resource for teens and young adults: This is Quitting. The program has already helped more than 240,000 young people on their journey to quit vaping since it launched in 2019. Data published about the program show that more than half of participants (60.8%) reported that they had reduced or stopped using e-cigarettes after just two weeks of using This is Quitting. By directly linking to the proven-effective quitting resource designed specifically for young people, Vaping: Know the truth helps youth get access to the support they need to quit.

According to EVERFI, vaping education is consistently one of the most requested health content curriculums by educators. Teachers nationwide have already started implementing the curriculum and are responding positively. One teacher from Maine shared: “I have taught for 15 years and everywhere, kids are vaping. Of all the worthy courses, this vaping one may be the most relevant, immediate and important one.”

Educators can measure the program’s success and track learners through their experience by measuring their knowledge, attitudes and beliefs through embedded assessments and surveys.

High rates of youth tobacco use

Youth tobacco use is at its highest rate in nearly 20 years. Data published in December 2020 in JAMA Pediatrics show that 22% of 10th and 12th graders report using e-cigarettes in the last 30 days, essentially unchanged from 22.5% in 2019. These data are consistent with those from the Centers for Disease Control and Prevention, that showed nearly 20% of high school students and 4.7% of middle schoolers use e-cigarettes. Compounding the issue further, nearly 40% of high school students who vape do so regularly. These data underscore that youth tobacco use remains at epidemic levels and much more needs to be done.

Youth exposure to nicotine is particularly dangerous since it has been shown to harm brain development, alter nerve cell functioning and make adolescent brains more susceptible to other addictive drugs. The youth e-cigarette epidemic also reverses years of progress in youth tobacco prevention, with Truth Initiative research showing that young people who ever vaped are up to seven times more likely to start using deadly cigarettes.

“Today’s teenagers are smart and discerning,” said Robin Koval, Truth Initiative CEO and president. “Giving direct access to the facts about vaping and providing resources to quit designed specifically for them empowers young people to make positive choices when it comes to vaping and their health. This is especially urgent amidst new research that links youth vaping with an increased risk of testing positive for COVID-19. This curriculum is a continuation of our national truth campaign to support young people in taking a stand against e-cigarettes and the tobacco industry, which aggressively seeks to recruit a new generation of tobacco users. We’re grateful for our partners who are helping us reach more students, parents and educators with Vaping: Know the truth in a joint effort to end the pervasive youth vaping epidemic.”

Vaping and lung health

Growing evidence suggests that vaping harms lung health. Youth vaping is especially worrisome following the 2019 outbreak of vaping use-associated lung disease (EVALI) and now during the COVID-19 pandemic. New research published in the Journal of Adolescent Health showed that teens and young adults who vape are up to five times more likely to test positive for COVID-19 than their non-vaping peers.

Meanwhile, teens are becoming increasingly health conscious. According to a Truth Initiative survey, 62% of young vapers between 15 and 24 years old reported that they are more interested in quitting vaping now compared to before the pandemic. Nearly half (48%) responded that the pandemic has prompted them to look for information about quitting or talk to someone about quitting.

Learn more about Vaping: Know the truth

More people are concerned about their financial future: 4 steps to protect yours

2021-01-15T16:06:17

(BPT) – Finances are consistently a top concern for many Americans, with “saving money” a top-10 most common New Year’s resolution. This year, Americans are more concerned than ever before due to the uncertainty created by the COVID-19 pandemic.

USE Credit Union reported that more than 75% of non-transactional calls received since the start of the pandemic were from members concerned about their financial future, citing economic hardship as the primary reason for concern. The economy and job market remain in a state of constant flux, which is causing many families to worry about their ability to pay an unexpected bill, continue to pay off student loans, mortgages or credit card debt, or save money for the future.

“Saving money is more than just putting spare change into a coffee can, or simply ordering takeout less often,” said Jeff Schroeder, vice president and chief product officer at Mercury Insurance. “Sure, those things can add up over time, but people may find that their greatest savings can come from taking a look at the necessary expenses they pay for every month, such as insurance.”

Schroeder recommends these four tips to help protect your finances in the coming year:

1) Check your auto insurance coverages. There’s no reason to pay for more coverage than you need, but being underinsured can leave you exposed. “The cost of repairs after a collision has grown in recent years, as a result of more crossovers and SUVs on the road, and more technologically advanced vehicles,” said Schroeder. “Beyond paying for more expensive repairs if your insurance doesn’t cover it, if you’re underinsured, you may also be responsible for paying out of pocket for medical bills, which could potentially devastate savings for a down payment on a house, your child’s college tuition or a future vacation. It’s vitally important to make sure you have the right amount of auto insurance coverage to protect against unforeseen events.”

2) Know what your homeowners insurance covers. First and foremost, be sure to read your policy so you’re clear about what it does and doesn’t cover. It’s a good idea to check in with your insurance agent each year to ensure you have adequate coverage, especially if you’ve made renovations, own collectible or valuable items, or live in an area that’s prone to flooding or earthquakes, as standard homeowners insurance policies typically don’t cover these situations. Also, maintain a home inventory to make sure to have an accurate record of your belongings and property.

3) Be aware of potential gaps in coverage. A standard homeowners insurance policy often doesn’t cover mechanical failures to your home’s appliances, HVAC or other essential systems, nor does it cover a break to service lines on your property that supply your home with electricity, gas or sewer functions. In either of these scenarios, this means you would be responsible for writing a big check to a repair company or having to purchase a pricy replacement. However, adding home systems protection and service line protection endorsements can help provide coverage for costly repairs and replacements, saving money and your peace of mind. Pennies spent now can save you thousands of dollars later.

4) Regularly shop for the best coverage and price. Insurance prices can vary significantly from company to company, so it’s a good idea to take a few minutes to see if you’re getting a good deal. Shop around at least once a year — making sure to look for the exact same coverage limits — to see if you can find a more affordable rate.

“Often, regional insurers like Mercury Insurance are more attuned to their policyholders’ needs and can offer better rates,” Schroeder added.

The most effective way to make sure your finances are minimally impacted by insurance costs this year is to speak to an independent insurance agent. They can help make sure you have the proper amount and type of coverage to keep yourself, your family and property protected.