5 tips on money management in times of historic inflation

2022-03-07T08:01:00

(BPT) – Every time you go grocery shopping or fill up on gas you notice rising prices, and it may have you worried. Even if the current inflation is short-lived, it takes its toll, chipping away at your income and savings. While that’s frustrating when you’re careful with your budget, for many Americans living paycheck to paycheck, rising costs are extremely challenging. When you need basic necessities for your family, you don’t have much choice but to eat that extra cost.

Fortunately, there are steps you can take to help offset some rising costs — and handle your money smarter. Spruce has partnered with personal finance expert Lynnette Khalfani-Cox, The Money Coach, to help you keep your cool while the economy is hot. As one of five children raised by a single mother, she knows from personal experience what it’s like to struggle financially.

“The current financial situation may be just the nudge you need to revamp your household budget, or create one if you haven’t used one before,” said Khalfani-Cox. “And today there are many online tools that can help you develop a workable budget.”

Once you have a clearer picture of your expenses and income, you can take steps toward handling your money better now, to ensure a rosier future.

1. Take stock

Budgeting is fundamentally about knowing how much money you’re taking in — and how much is going out. First you need to list your income, then all your expenses. To be more accurate, you may need to review the last several months to see where your money has been going. Then differentiate between necessary expenses (like rent/mortgage, utilities, debts, insurance and food) and discretionary expenses (entertainment, leisure).

2. Use today’s technology to track and manage your money

If you want to improve your money management skills, Spruce is a new mobile banking platform designed to help with saving, spending, budgeting, planning and building daily healthy financial habits. It helps you stay in control of your money through spending and savings accounts backed with technology that provides you with automatic saving options and financial insights to help you be good with money. Spruce, built by H&R Block and powered by MetaBank®, N.A., combines some of the best features of the leading neobanks with H&R Block’s trusted brand and knowledge gained from helping millions of customers every year.

“Spruce helps people set savings goals and keep them,” said Khalfani-Cox. “From paying for school to buying a car, Spruce is there every step of the way. There are even options to set up automatic transfers towards savings.”

Spruce helps you visually track your savings progress and financial goals through personalized savings tools, helping you see your full financial picture and predict cash flow so you can better prepare for your family’s future.

Visit SpruceMoney.com to learn more.

3. Make smart substitutions

One way to spend less on necessities like groceries is to shop smarter. “For example, you can save a lot by choosing store brand products,” Khalfani-Cox said, “not just for food, but also for health and hygiene products, and household cleaners.”

If you like buying in bulk, shopping at membership chains can also add up to big savings. Many people even save on furniture by frequenting local discount stores instead of big box retailers.

4. Refinance existing debt

If you’re carrying high-interest or variable-rate debt such as a mortgage, credit cards or student loans, this is a good time to consider locking in a better rate, before rates go up again.

“You may also want to consolidate multiple loans or lines of credit into one fixed monthly payment,” Khalfani-Cox said.

5. Negotiate for a raise

“We’re still in the midst of an historic worker’s market, leaving many employees holding the cards,” Khalfani-Cox noted. “If you didn’t receive a sufficient pay raise in 2021, make 2022 the year of negotiating for what you’re worth.”

Using some of these strategies, you can feel more confident heading into the future, whatever it may bring.

Infographic Footnotes

SpruceSM is a financial technology platform built by H&R Block, which is not a bank. Spruce Spending and Savings Accounts are established at, and the Spruce debit card is issued by, MetaBank®, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

See full description of fees and features at SpruceMoney.com.

1 Spruce Rewards are powered by Dosh. Cash back offers and amounts may vary by user, merchant location and offer period. Check the Spruce app for offer availability. Cash back earned by qualifying purchases will be deposited in the Spruce Savings Account. See Spruce Rewards powered by Dosh. Terms for details.

2 Other fees apply for certain uses of the Spruce debit card and accounts. See www.SpruceMoney.com/fees for details.

3 There is no fee to withdraw money at Allpoint ATMs. There is a $3 fee at other ATMs, plus any additional fee charged by the ATM operator.

4 Early access to funds depends on the timing of the payer’s submission of the payment. These funds are generally made available the day the payment instruction is received, which may be up to 2 days earlier than the payer’s scheduled payment date. To be eligible, account holder must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds.

5 Credit score is FICO Score 8 based on Experian data. Lenders or insurers may use a different FICO Score than FICO Score 8, or another type of credit score altogether. FICO is a trademark of Fair Isaac Corporation. This is a separate service from Spruce Spending and Savings accounts provided by MetaBank®, N.A., Member FDIC.

6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. It is not an extension of credit; it is a courtesy exercised at the bank’s discretion. To be eligible, account holder must receive $200 in qualifying deposits over the relevant 35-day period and opt in. Negative balances are limited to $20 and must be repaid within 30 days. See Spending Account Agreement for details. See full description of fees and features at SpruceMoney.com.

Sources:

H&R Block independent research

https://finhealthnetwork.org/2021-finhealth-spend-report-shows-financially-coping-and-vulnerable-households-spent-255b-for-everyday-financial-services/

https://www.cnbc.com/2019/07/20/heres-why-so-many-americans-cant-handle-a-400-unexpected-expense.html

Equal pay: How women can benefit from a career in construction

2022-03-07T05:01:00

(BPT) – The disruptions of the pandemic led to not only job losses but also the Great Resignation, with many Americans reevaluating their careers and searching for better opportunities. While some areas are recovering, studies from the Pew Research Center, the National Bureau of Economic Research and others suggest that more women have lost their jobs overall, largely due to the higher percentages of women employed in the leisure and hospitality sector, retail, education and health services — which all took a big hit during the pandemic. If you’re one of the many American women seeking a career pivot, you should consider the construction industry.

“Women join the construction industry because they see a good career that will keep them challenged and support their families,” said Doreen Bartoldus, president of the National Association of Women in Construction (NAWIC). “We need more women in the field, and our organization develops materials designed to get kids excited about construction. We have female-specific programs for high school girls, and we see that changing attitudes.”

To call attention to the accomplishments of women in the field, NAWIC presents “Women in Construction Week” March 6-12, an annual event celebrating women’s contributions to building the nation.

Here are the top three reasons women should consider a career in construction:

1. Pay parity is better in the construction industry

Construction has one of the lowest gender pay gaps in the nation. According to the Bureau of Labor Statistics, U.S. women earn an average of 81.1% of men’s earnings, but in construction fare much better — making over $0.94 for every $1 that men make.

And the best news? Demand in this field shows no sign of stopping. “Women should join this industry because it’s everlasting. There will always be new homes to build and remodel,” said Maggie Hardy Knox, president of 84 Lumber. “We’ve truly seen this over the last year. The career opportunities are endless.”

2. Careers for people from all backgrounds

Opportunities in construction offer variety in levels of training, experience and education. Whether you’re just out of high school, have a trade certification, vocational/technical or associate degree or four-year college degree, there are available positions that not only pay well, but are challenging and fulfilling. Many positions can be learned on the job, and a number of companies offer trainee programs for those seeking experience.

“The basic requirement to make it in the field is to genuinely care for customers and associates. And like anything else in life, a great work ethic can make you super successful,” observed Hardy Knox. “If you demonstrate those traits, our company will train you on everything else.”

3. Variety of roles

Another reason to consider the construction industry is the sheer variety of positions, involving a vast array of skill sets.

“The industry is broad enough where you can pick many career paths. For example, we have entry level management trainee positions that touch all parts of our business,” Hardy Knox added. “Our team headquarters offers opportunities from purchasing to accounting and more. We also have tremendous opportunities within our installed sales division, and our on-site project managers work to help relieve residential building contractors and commercial builders from everyday problems associated with coordination of materials and labor.”

Here are examples of positions in construction-related areas to consider:

  • Front line construction work
  • Trades such as electrician, plumber, welder, brick mason, glazier, crane operator, carpenter, pipefitter
  • Cost estimator, bookkeeper
  • Safety manager
  • Office worker/administrative
  • Sales/marketing
  • Construction surveyor, construction inspector
  • General contractor
  • Project manager
  • Civil engineer, architect
  • Executive, business owner

Today’s labor shortage also means companies are striving to boost recruitment from a more diverse labor pool, resulting in the industry being much more welcoming to hiring women than ever before.

“One of the best ways for construction companies to recruit women is to make women in construction more visible,” said Kristi Allen, owner of WoodCastle Homes and contractor behind The House that SHE Built, a home built by Utah Professional Women in Building with the help of female volunteers from across the country. “The more we see women succeeding, the more likely it is other women will view the construction industry as a viable option for their careers.”

To explore opportunities in construction, visit NAWIC.org or 84Lumber.com.

5 ways to practice gratitude with your child

2022-03-06T22:05:05

(BPT) – Gratitude has been shown to help kids and adults practice resilience through tough times by focusing on the positive emotions that come with spending quality time with family and friends. That’s why character education matters.

Throughout the year, it’s important to find opportunities to reflect and think of ways to relieve the stress of today’s world and infuse gratitude and thankfulness into your family members’ lives.

Try one of the following five ways suggested by Joy Turner, Kiddie Academy Educational Child Care vice president of education, to help you practice gratitude with your children and family:

1. Head offline

Dedicate some time during the week to spend offline — no electronics. Cell phones, video games, computers and tablets give short-term happiness. Spending time together making memories is what brings long-term happiness. As a family, share the things that make each other feel happy. Include non-tangible items such as spending time doing activities you enjoy.

2. You’ve got mail

You may not be able to spend time with every single person you’re thankful for. Have everyone in the family write a thank-you letter to someone they care about. It can even be a note to a friend you’re thankful for who lives far away. Be prepared with stationary or greeting cards and stamps. Then, take a family walk to the mailbox or a trip to the post office after dinner to send them together.

3. Create a gratitude jar

Invite your family to jot down things they’re grateful for on slips of paper and put them in a jar. Help your child use crayons and markers to make them more colorful and fun. Then, go around the table picking them out and taking turns reading them. Make sure to write the year of when you created the jar — year over year, you can look back on past jars. You’ll have a big collection before you know it.

4. Home is where the heart is

Part of practicing gratitude is realizing that there are others who are in need. If you can, safely support a local group that helps people who are experiencing homelessness or gather food to take to a local food bank. Help someone in your community you know is struggling. Find a local organization that can help you make an impact and engage your child in the critical life lesson of giving back to those in need.

5. The grand finale — dinnertime

Prepare your meals as a family! Bonding happens during these activities. The act of preparing food with your family is great for your well-being and teaches children to be thankful and appreciative. It also provides a time to reconnect with family and focus on what is important in your lives.

With some resilience and a grateful attitude, you may create a new gratitude habit that will help your child’s character development. If you run out of ideas or want to practice other key character traits, head over to Kiddie Academy’s website to download the Character Essentials Activity Book.

3 milestone anniversaries to celebrate in Wyoming this year

2022-03-06T16:13:21

(BPT) – Planning any travel adventures? If you love the outdoors and have an interest in the history of the West, opportunities abound for a bucket list-worthy trip to Casper, Wyoming — a popular stop on the way to legendary Yellowstone National Park. And 2022 is a remarkable year to visit, as the area celebrates three memorable milestones in its history.

Here are three great reasons — and notable anniversaries — for putting Casper and Yellowstone at the top of your 2022 travel list.

1. Yellowstone National Park turns 150

Speaking of bucket lists, Yellowstone is a top destination for travelers from around the globe. One hundred fifty years ago, Yellowstone became the world’s first national park, with its unique geological and hydrothermal wonders, along with spectacular landscapes and abundant wildlife.

Whether you fly into Casper/Natrona County International Airport or begin your Wyoming adventure as an epic road trip, Casper, Wyoming, is the ideal starting point for your Yellowstone vacation. With affordable lodging, smaller crowds and small-town Wyoming charm, you can enjoy local eats and brews, visit hiking and biking trails on Casper Mountain or fish the North Platte River. After making the most of outdoor activities in the area, you’ll be able to enjoy dining, culture and nightlife before continuing on your wilderness adventure in Yellowstone, starting at the park’s south, east or northeast entrances.

To help you plan your trip, with plenty of tips and local advice to make the most of your excursion, order your free planning kit at VisitCasper.com.

2. 40 years of amazing music and sporting events at the Ford Wyoming Center

The biggest venue in Wyoming, the Ford Wyoming Center has seen every famous music act that has played the state over the past 40 years. The beautiful, state-of-the-art complex is built high on a hill overlooking Casper, Casper Mountain and the scenic North Platte River.

Because of the arena’s multiple breakout rooms and first-in-class technology, the venue has hosted everything from rodeos and other sporting events to Broadway shows and all the top bands. You can visit FordWyomingCenter.com/Events to see what’s coming up in 2022 and snag some tickets ahead of your visit.

3. National Historic Trails Interpretive Center celebrates 20 years

If you’ve always been fascinated by the legends of the American West, the National Historic Trails Interpretive Center in Casper will be right up your alley — or wagon trail. Founded 20 years ago, the center commemorates American Indian history and the early explorers, with an emphasis on the many historic trails that have gone through Casper, including the famed Oregon, Mormon, California and Pony Express trails, as well as the Bridger and Bozeman trails. You can still see some of the remaining ruts of these trails in the area today, allowing you to imagine the legendary journeys of everyone from fur trappers and homesteaders to ranchers, miners and more as they traveled west.

Hands-on, interactive and family-friendly exhibits in seven galleries, plus an 18-minute multimedia program, all help to tell the many stories of the rich history of the region. And the best news? There is no fee to visit the National Historic Trails Interpretive Center.

When you’re ready to travel, Casper has plenty of wide-open spaces and things to do, all while practicing social distancing. To help ensure your health, safety and well-being, travel responsibly. If you plan to travel to Wyoming and don’t feel well, stay home and reschedule your visit for a later date. Many businesses may request that you wear a mask indoors, so it’s recommended to pack two per person for your trip.

Learn more about all the exciting adventures that await you in Wyoming at VisitCasper.com.

With a rise in fraud and online scams, consumers must be vigilant

2022-03-06T07:01:00

(BPT) – National Consumer Protection Week (NCPW) is a time to raise awareness around consumer rights and to be protected from frauds and scams. The U.S. Postal Inspection Service, alongside the Federal Trade Commission and other collaborators, provide tools and resources to help consumers better protect themselves from fraud. As part of NCPW, each agency alerts consumers to different fraud or scams that are on the rise. This year, Postal Inspectors are warning consumers about “Work-from-Home” scams.

In 2021, the Federal Trade Commission’s Consumer Sentinel Data Book lists “Business and Job Opportunities” as its fifth most reported consumer complaint nationally, with losses totaling $206 million. The figure highlights the continued need to alert consumers to this most important fact: “Anyone can be a victim of a scam, with the right pitch,” said Chief Postal Inspector Gary R. Barksdale. “That’s why prevention is one of our most important pillars in the mission to protect consumers and bring fraudsters to justice.”

While the job market is ever changing, the coronavirus pandemic, accompanied by the rise in digital and online technologies, created a perfect atmosphere for criminals to target consumers with fraudulent remote job opportunities.

Postal Inspectors report many of these job offers target consumers with clever wording on social media or listed on websites where legitimate job offers usually don’t appear. Oftentimes they start with a hook, such as “be your own boss” or “make $1,000 per week from home!”

Consumers should look out for these red flags:

  • Guaranteed jobs with little or no work experience
  • Hired on the spot with no interview
  • Minimal details provided
  • Requested to move money around

So how do you protect yourself from these Work-From-Home Scams?

  • Never send money to unknown individuals for employment.
  • Don’t deposit checks into your bank account as part of your job description or open a bank account for someone you don’t know.
  • Check directly with the company to certify its legitimacy.
  • Obtain a job offer in writing.
  • Verify a potential employer by checking the Better Business Bureau, your state’s Attorney General’s Office, and your state’s consumer affairs office.
  • Confirm any unexpected compensation to determine whether a check or money order is valid.

For more fraud prevention tips, visit http://www.uspis.gov/ncpw-2022. If you are a victim, or have witnessed a mail-related crime, alert Postal Inspectors by calling 877-876-2455.

Better Path for Food Waste: Three Sustainable Steps for the Kitchen

2022-03-04T16:01:00

(BPT) – By Joe Dillon | President, Emerson InSinkErator

Americans spent more money on food at home than in restaurants in 2020, halting a restaurant spending trend that has been steadily rising over the past decade. This return to the home kitchen is likely to stay, as 7 out of 10 Americans say they intend to continue cooking at home more, even as restaurants and the world open back up for diners.

Cooking at home has substantial benefits – more quality time with family, greater control over ingredients – but many home cooks find themselves grappling with a new challenge: food waste. The United Nations found global food waste has risen to a mind-boggling 1 billion tons per year. In the United States, households waste nearly one-third of all food purchased.

This level of excess is a hard fact to swallow in a country where more than 1 out of 10 people lack access to an affordable, nutritious diet – and the impacts of food waste have a ripple effect. Food sitting in trash cans isn’t simply a limited resource thrown away: It actively harms the environment by generating methane when it breaks down in landfills. Methane is a potent greenhouse gas with 25 times the global warming potential of carbon dioxide. In the United States alone, the production of lost or wasted food generates the equivalent of 32.6 million cars’ worth of greenhouse gas emissions.

So what can be done when we consider that food waste is an inevitable part of preparing food? After all, even the most conscientious home cook will still find themselves with banana peels, strawberry stems and corn cobs that must be discarded.

Every individual can have an impact on this global issue. Here are three places to start that can add up in a big way.

  1. Make a list – and stick to it. Too often, food waste begins in the supermarket when consumers head into the store without a clear plan. Some people may plan what they’ll make for dinner each day and shop accordingly. Others may know their family loves cheesy broccoli and buy it weekly, with loose plans to work it into the rotation. The only right way to approach food planning is choosing what works for each individual family. Being realistic – will the kids really eat Brussels sprouts on Tuesday and Thursday? – can help cut down on food waste by leaving it in the store aisles for someone else to buy.
  2. Shop your refrigerator first. Crisper drawers are badly named: Even the crunchiest carrots will turn limp and soggy when forgotten in the back of the refrigerator. Consumers can cut down on food waste if they take inventory of the refrigerator before heading to the grocery store – and even before making their grocery list. Is there celery that passed its “ants on a log” prime that’s just right for minestrone? Could the strawberries that have seen better days sing in a smoothie? By being intentional about using food that was already purchased, consumers can cut down on their own food waste – and have an excuse to get creative in the kitchen.
  3. Choose the right way to dispose of food. When home cooks do have food waste, there are better options than the trash can. Food scraps in the trash generate bacteria and germs that can multiply and affect the hygiene of a kitchen. These food scraps are also bound for landfills, where they’ll contribute to damaging the ozone layer.

    Composting can be a viable option for many families, as can a garbage disposal. Many may not realize it, but using an advanced garbage disposal like Emerson’s InSinkErator is an environmentally sustainable choice for food waste. InSinkErator garbage disposals grind even the toughest foods into tiny pieces. From there, food waste is sent through a home’s wastewater plumbing to treatment facilities equipped to handle the small particles. In many cases, wastewater facilities are able to use specialized equipment called anaerobic digesters to capture the methane from food breaking down and turn it into renewable energy. This is a win for consumers who want to do their part – and a win for the environment as well.

Food waste is a challenge that every family faces. But with the right information and food-waste fighting tools like the InSinkErator at your disposal, every household can make an impact.

Joe Dillon is president of Emerson’s InSinkErator business. Since its inception in 1938, garbage disposal inventor InSinkErator has kept 80 million tons of food waste out of landfills.

What You Need to Know About Prostate Cancer: Keys to Feeling Empowered

2022-03-04T16:01:00

(BPT) – This content is sponsored and provided by Myovant Sciences and Pfizer Inc.

For many, the beginning of the year signifies a fresh start, offering an opportunity to re-evaluate priorities and reflect on what is truly important in our lives, including our health. For example, annual check-ups are critical to staying healthy and regular screenings may help find some common cancers early.[1] With this in mind, set yourself and your loved ones up for a healthy 2022 by taking a few moments to learn more about prostate cancer – the most common form of cancer in American men, other than skin cancer.[2]

Fast Facts about Prostate Cancer

Approximately one in eight men will be diagnosed with prostate cancer in their lifetime.[2] Prostate cancer begins in the prostate – a gland in the male reproductive system – and while many prostate cancers are confined to the prostate gland, some types are aggressive and can spread quickly.[2] Risk factors for prostate cancer include older age (most commonly after age 65), race, family history and genetic factors.[3] In some cases, prostate cancer can be very serious and even fatal. It’s also important to know that Black men are twice as likely as white men to die of prostate cancer and have the highest prostate cancer mortality among all U.S. population groups.[4]

Prostate cancer is considered advanced if it is recurrent (meaning it has returned after initial treatment), locally advanced (meaning it has spread to tissues near the prostate) or metastatic (meaning it has spread to other parts of the body).[5] Some men with advanced prostate cancer may experience problems passing urine or may see blood in their urine.[5] Some may also feel tired, weak or lose weight.[5] However, some men with advanced prostate cancer may not have any signs or symptoms.[5] While advanced prostate cancer cannot be cured, there are many ways to treat it and potentially slow its progression, once detected.[5]

Testing and Treatment

The American Urological Association (AUA) prostate cancer screening guidelines suggest men 55 to 69 years old make decisions about getting screened for prostate cancer based on a discussion with their doctor.[6] Men with a family history of prostate cancer and Black men may be at a higher risk for prostate cancer and can think about getting screened at an earlier age.[6]

If cancer is detected, healthcare providers may suggest different treatment options based on the results of test findings, the stage of the cancer and the patient’s overall health.[7] For example, some men with early-stage prostate cancer may be able to consider active surveillance instead of beginning treatment right away. Their doctor will perform regular testing to help determine if the cancer is growing and if treatment may be necessary.[7] For advanced disease, first-line treatment often includes androgen deprivation therapy (ADT), which can lower levels of testosterone – a hormone that drives prostate cancer.[7] There are a few different types of androgen deprivation therapy, including medications, as well as surgical options like orchiectomy (surgical castration).[7] It’s important for patients to work with their doctors to understand and assess each option and determine what is best for them.

Additional Health Risks & Emotional Toll

Many men living with advanced prostate cancer do not realize that in addition to the cancer itself, they could also be at an increased risk of other serious health conditions, so it’s important for them to talk to their doctors about their risk factors. Additionally, coping with a serious condition like cancer can be very difficult, so it also is important for patients to take care of their mental health. Receiving a diagnosis of cancer can cause a range of feelings including disbelief, fear, anger, anxiety, and depression.[8] Many prostate cancer patients experience severe levels of depression, which can negatively affect their treatment progress and disease course.[9] Adding to this, prostate cancer may be seen as a private disease, which can be emotionally isolating.

Finding Support

When someone is diagnosed with prostate cancer, they should talk to their doctor about their overall health, including both health risk factors and mental well-being. Their doctor will work with them to assess their personal situation and determine how to help manage the disease. Some patients may feel overwhelmed, so it is important they take time to absorb the information their doctor shares with them. Asking any questions that come to mind is also crucial in order for patients to feel confident about their path forward. Support from friends and family is also incredibly important, so if one of your loved ones has been diagnosed, know there are many resources that can help you learn how to help.

  1. Can prostate cancer be found early? Cancer.org. Published August 1, 2019. Accessed January 12, 2022. https://www.cancer.org/cancer/prostate-cancer/detection-diagnosis- staging/detection.html#references.
  2. About Prostate Cancer. Cancer.org. Published October 8, 2021. Accessed January 12, 2022. https://www.cancer.org/content/dam/CRC/PDF/Public/8793.00.pdf.
  3. Prostate Cancer Causes, Risk Factors, and Prevention. Cancer.org. Published June 9, 2020. Accessed January 12, 2022. https://www.cancer.org/content/dam/CRC/PDF/Public/8794.00.pdf.
  4. Brawley OW. Trends in prostate cancer in the United States. JNCI Monographs. 2012;2012(45):152-156. doi:10.1093/jncimonographs/lgs035
  5. Advanced prostate cancer. Advanced Prostate Cancer: Symptoms, Diagnosis & Treatment. urologyhealth.org. Published September 2021. Accessed January 12, 2022. https://www.urologyhealth.org/urology-a-z/a_/advanced-prostate-cancer.
  6. Carter HB, Albertsen PC, Barry MJ, et al. Early detection of prostate cancer: AUA Guideline. Journal of Urology. 2013;190(2):419-426. doi:10.1016/j.juro.2013.04.119
  7. Treating Prostate Cancer. Cancer.org. Published September 23, 2021. Accessed January 12, 2022. https://www.cancer.org/content/dam/CRC/PDF/Public/8796.00.pdf.
  8. Adjusting to Life with Cancer. Cancer.org. Published November 23, 2020. Accessed January 12, 2022. https://www.cancer.org/treatment/survivorship-during-and-after- treatment/coping/adjusting-to-life-with-cancer.html.
  9. Sharpley CF, Christie DR, Bitsika V. Depression and prostate cancer: Implications for urologists and oncologists. Nature Reviews Urology. 2020;17(10):571-585. doi:10.1038/s41585- 020-0354-4

With an ebbing pandemic, patients look to nurse anesthetists for their care

2022-03-04T10:01:00

(BPT) – Throughout the nation, pandemic restrictions are easing as COVID-19 cases drop. By now, we are familiar with mask mandates and vaccine card requirements, but how has the pandemic impacted our healthcare delivery system?

Recognizing the need for patients to receive the care they need, and healthcare systems to have maximum workforce flexibility during the pandemic, the Centers for Medicare and Medicaid Services (CMS) in early 2020 announced temporary regulatory waivers for Certified Registered Nurse Anesthetists (CRNAs), including suspending physician supervision requirements and allowing CRNAs to practice across state lines. Governors also removed barriers to CRNA practice, granting state healthcare systems better flexibility — actions that saved lives and enabled CRNAs to provide patients with much-needed care.

CRNAs are highly skilled, advanced practice registered nurses licensed and certified to deliver anesthesia and administer pain management. It takes a minimum of seven to eight years of education and experience to prepare a CRNA — education that includes an undergraduate nursing degree, critical care experience and anesthesia education. CRNAs practice in every setting where anesthesia is delivered, from hospitals and pain management centers to dental offices, public health centers and the U.S. military.

As the pandemic wanes, the U.S. Department of Health and Human Services may consider rescinding the temporary waivers that increased the ability of CRNAs to provide high-level care to patients in need. The American Association of Nurse Anesthesiology (AANA) argues that reinstating regulations that have been proven to be unnecessary during the pandemic will reduce access to care for many patients, as well as drive up healthcare costs. The AANA is urging the White House to make permanent the removal of physician supervision for CRNAs, so that CRNAs can practice to their full licensure and provide patients with the care they need when they need it.

“CRNAs play an essential role in ensuring patients have access to critical anesthesia services, especially in rural and other underserved populations,” said AANA president Dina Velocci, DNP, CRNA, APRN. “The waiver revealed the need for healthcare professionals to work at the top of their ability and highlights the crucial role CRNAs play in our healthcare system.”

The fight against COVID-19

A study conducted by the AANA demonstrated how the removal of barriers to practice for nurse anesthetists allowed them to provide necessary care to patients with COVID-19.

CRNAs have been practicing independently under stressful conditions across America throughout the pandemic, providing their expertise and invaluable support in triage and rapid systems assessment, airway and ventilator management, vascular volume resuscitation, placing of invasive arterial and central lines and monitors, overseeing complex hemodynamic monitoring, emergency preparedness and resource management — all crucial for COVID-19 treatment.

Nationwide healthcare benefits from CRNAs working to their full ability

Even apart from the pandemic, nurse anesthetists are among the most utilized healthcare providers in the U.S., according to a report from the CMS. In fact, CRNAs play an essential role in ensuring that more patients have access to critical anesthesia services.

“Nurses do most of their demanding work out of the public eye, particularly advanced practice registered nurses like CRNAs whom patients generally only see when they need surgery,” said Velocci. “The COVID pandemic changed that, with more CRNAs working in ICUs and other critical care environments. And data shows that removing physician supervision does not impact quality of care, and can increase healthcare costs.”

A study published by the National Academy of Medicine confirmed that lifting barriers for CRNAs to fully use their training and expertise increases health equity and access to care for underserved communities across the U.S.

Need for caring delivery of anesthesia

CRNAs are members of one of the most trusted professions, according to a Gallup poll. And trust is essential for patients undergoing difficult medical procedures.

“CRNAs expertly care for the whole patient, not just their condition,” added Velocci. “They are with the patient from the beginning of a procedure, through surgery, and in the post-op recovery room, making patient care more affordable and accessible.”

People undergoing anesthesia often experience worry best alleviated by a human, caring approach. A recent AANA Foundation study about patient perceptions of anesthesia found that anxieties regarding anesthesia (or about their children undergoing anesthesia) were mitigated when patients and families could communicate face-to-face with anesthesia providers.

The most effective techniques for alleviating fears about anesthesia included communication with health providers around their specific issues, such as pain tolerance. For patients undergoing local anesthesia where they remain conscious throughout, receiving a good description of everything that would happen and talking directly with their provider were the most effective methods to reduce anxiety.

CRNAs implement effective techniques to relieve anxieties and improve the patient experience using sensitivity and empathetic communication.

To learn more about the vital role of CRNAs and how they can best serve U.S. healthcare needs moving forward, visit aana.com.

5 tips for supporting brain health

2022-03-04T09:05:00

(BPT) – As you get older, you might take steps to develop healthy habits, whether exercising, eating healthier or limiting your consumption of alcohol. But did you know that there are steps you can take to help with your brain health? Such preventive measures might even reduce the risk of Alzheimer’s — and the good news is, you might be doing these things anyway, like working on puzzles or trying to get a good night’s sleep.

Alzheimer’s is the most common form of dementia. In fact, someone in the United States develops the disease every 65 seconds, according to the Alzheimer’s Association. More than 6 million Americans currently live with Alzheimer’s — a number now projected to reach 7.2 million by 2025.

Along with learning more about the disease, these five simple steps could possibly improve brain health, reduce risk of disease and help delay the potential onset of Alzheimer’s or dementia.

1) Use it or lose it. Whether it’s crossword puzzles, reading or painting, keeping your brain mentally stimulated may help keep it young.

2) Get enough sleep. Sleep deprivation can lead to problems with memory and cognitive abilities. Sleep is essential for brain maintenance, like removing built-up toxins in your brain.

3) Stay social. Isolation or loneliness in older adults is associated with a 50% increased risk of developing dementia and a 26% increased risk of all-cause mortality, according to the American Journal of Geriatric Psychiatry. Engaging in activity clubs can help you increase your social interaction and help you stay active.

4) Make healthier lifestyle choices. Studies show moderate exercise can help improve brain function, especially in the areas responsible for learning and memory. Improving these parts of the brain may fight pre-Alzheimer’s changes often seen in midlife. Talk to your health plan about fitness programs that may be available at no additional cost. Other lifestyle choices, like eating a healthy diet, may also help reduce cardiovascular risk while helping to slow brain aging.

5) Manage chronic illnesses. Common diseases in older adults, such as diabetes and heart disease, may affect brain function. Talk with your health care provider about treatment plans to help you manage chronic conditions.

In addition to these five steps, it is important to have a memory screening completed each year. Having a record of your brain function year to year may help your health care practitioner diagnose memory disorders earlier.

Memory screenings can be performed during your Annual Wellness Visit, which is free to anyone on Medicare. Make sure to ask your physician to perform a memory evaluation the next time you visit the doctor’s office.

UnitedHealthcare Medicare Advantage members can also take advantage of the HouseCalls program, which offers an annual health and wellness visit in the convenience and privacy of your home, at no additional cost. A HouseCalls licensed practitioner can conduct a memory screening and refer you to additional care, if needed.

If you feel like you or a loved one might be suffering from symptoms of dementia, contact your health care provider.

Helping to support older adults with diabetes through coordinated care

2022-03-03T17:01:00

(BPT) – Diabetes is one of the greatest health threats Americans face, especially as they grow older. It impacts an estimated 34 million adults in the U.S., and nearly 27% of those 65 and older are believed to have the disease. In addition, one-half of older adults have pre-diabetes.

“Diabetes is a tricky disease, because it can go undiagnosed while causing damage that may eventually lead to serious complications, such as heart disease, stroke, kidney disease, eye problems and limb amputation,” said Dr. Philip Painter, chief medical officer of UnitedHealthcare Medicare & Retirement. “What’s more, people with type 2 diabetes may be at greater risk for cancer or Alzheimer’s — not to mention severe disease if they are infected with COVID-19.”

Having diabetes means your body does not properly use and regulate blood sugar. People with diabetes often must monitor their blood sugar (glucose) levels closely through finger prick tests or a monitoring device. Some require insulin to keep their glucose levels in a healthy range.

Though the prevalence of diabetes has dipped slightly, obesity — a major risk factor for type 2 diabetes — reached a new national high, according to the 2020 America’s Health Rankings report from the United Health Foundation. Even more concerning: Older adults with diabetes have a higher risk of death and disability.

Regular appointments are a must

According to the Centers for Disease Control and Prevention (CDC), 77.8% of adults said they have a regular provider for diabetes care — which leaves about 22% without. Keeping in touch with a primary care provider and/or specialist can be of the utmost importance.

Because older adults with diabetes are more likely to have additional health problems, they’re often juggling multiple medications and coping with challenges like depression, cognitive impairment, falls, pain and incontinence,” Painter said. “Seeing your doctor when recommended is key. If you are struggling to manage your diabetes, getting a comprehensive assessment and regular care can make all the difference.”

How to work with your team

A diabetes care team might include not only your primary care provider, but a diabetes educator, a foot doctor and other specialists. You can work with them by:

  • Asking what kind of diabetes you have
  • Understanding what your A1C levels, blood pressure and cholesterol should ideally be, and how you can manage them
  • Reporting any complications or medication side effects you are experiencing
  • Asking for a healthy meal plan
  • Learning how to build more physical activity into your day

Medicare coverage for diabetes

Medicare covers a range of diabetes medications, supplies and services to help treat diabetes and keep patients’ blood sugar in a healthy range.

In general, Original Medicare pays 80% and beneficiaries pay 20% of the Medicare-approved amount for diabetes supplies and services covered by Part B after the yearly deductible is met. Your percentage share of the cost is called coinsurance. You may also pay a coinsurance amount or a copayment for items covered by Medicare Part D, a prescription drug plan. What you pay depends on the terms of your specific Part D plan. Most Medicare Advantage plans include prescription drug coverage.

Medicare Part B covers outpatient diabetes self-management training if you’ve been diagnosed with the disease.

Medical nutrition therapy and A1C tests may be provided at no additional cost.

Remember, diabetes is a serious illness — but, with the help of your provider and the rest of your care team, you can help keep your blood sugar under control and work to avoid complications.