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Advocating for Yourself: A Patient’s Experience with Relapsed or Refractory Multiple Myeloma (RRMM)

2022-03-08T12:09:00

(BPT) – Kathy, a 59 year old woman with RRMM, shares her diagnosis and experiences. This is her personal story and others may be different.

Kathy, a wife, mother and avid traveler, received the shock of her life when she was diagnosed with multiple myeloma at 39 years old. Her diagnosis was uncommon, as the median age at diagnosis is typically in the mid to late 60s. Getting to this diagnosis and finding the appropriate treatment options has been a challenging road for Kathy, but throughout her experience, one thing never wavered – her resolve.

Kathy’s story began a year prior to her diagnosis – she had not been feeling well, and was prescribed a number of different medications for symptoms following three different emergency room visits; she was determined to get an answer. During her third visit to the emergency room, the doctor took a blood test, and concerned with the results, he scheduled her an appointment with an oncologist. A week later, she saw the oncologist who immediately ran additional tests – including more blood tests, a urine test, X­-rays and a bone marrow biopsy. It was then that Kathy realized the gravity of her situation – and jumped “into action.” She followed up with the lab every day to obtain her results, with the hope that she would finally get some answers to what she may be facing. Shortly after she had these additional tests done, Kathy’s results came back and the oncologist diagnosed her with multiple myeloma.

Multiple myeloma is a blood cancer that starts in the plasma cells, a type of white blood cell that normally fights infections. It is the second most common blood cancer in the US, and is generally considered treatable, but not curable. More than 34,000 people are estimated to be diagnosed with multiple myeloma this year.

At the time of Kathy’s diagnosis, just over 20 years ago, resources and support for patients were limited, so she immediately called everyone she knew to gather information about the disease. Today, Kathy and her husband attribute her health to “being proactive and diving into educating” themselves. Whether it’s reading about new updates or participating in clinical trials, Kathy is adamant about taking some control of her treatment experience. Since diagnosis, Kathy has also taken every opportunity to improve her own knowledge and her expanded care team: seeking resources from patient advocacy groups, creating her own local support group, and engaging in discussions with her healthcare team about available treatment options.

When Multiple Myeloma Returns Following Treatment

Kathy and her family have valued transparency from the day of her diagnosis, because to Kathy, “The whole family has cancer. I’m just the host.” Kathy’s initial treatment worked for almost 16 years, but in 2017, just prior to her daughter’s wedding, she was told that her cancer had returned.

For people with multiple myeloma, there’s a good possibility their disease will return even after response to treatment, called relapse. For many, there’s also the possibility that their disease may be refractory to certain treatments, meaning the cancer doesn’t respond to treatment.

Kathy tried multiple treatments and combinations since her initial diagnosis, but since 2017 her disease relapsed each time, experiencing painful tumors and progression of the disease. Throughout this period of relapse and remission, Kathy made sure to remain proactive and never “let the grass grow under [her] feet.” In 2020, following a trip to Italy, she experienced her fourth relapse and she thought to herself, “There has to be another alternative.”

A Treatment Option to Help Fight Her Relapsed/Refractory Multiple Myeloma

Kathy, who is her own best advocate, took her most recent relapse as an opportunity to search for a treatment option that could work for her. Kathy spoke with her nurse practitioner about a treatment the FDA had approved for RRMM called BLENREP (belantamab mafodotin-­blmf) for injection 100 mg.

BLENREP is a prescription medicine used to treat adults with multiple myeloma who have received at least 4 prior medicines to treat multiple myeloma, and their cancer has come back or did not respond to prior treatment. It is not known if BLENREP is safe and effective in children. BLENREP is approved based on patient response rate. Studies are ongoing to confirm the clinical benefit of BLENREP for this use.

Before you receive BLENREP, you must read and agree to all of the instructions in the BLENREP REMS. Before prescribing BLENREP, your healthcare provider will explain the BLENREP REMS to you and have you sign the Patient Enrollment Form. BLENREP can cause serious side effects, including eye problems.

Please see below for complete Important Safety Information.

Approved in 2020 by the FDA, BLENREP is an antibody­-drug conjugate (ADC) that targets B­-cell maturation antigen (BCMA). BCMA is a protein expressed on myeloma cells in all people with multiple myeloma. BLENREP works in a unique way—by identifying MM cells that express BCMA and targeting them. BLENREP then attaches to the cancerous myeloma cells and releases medication, resulting in cell death. It is possible that healthy cells may also be affected.

BLENREP is the first ADC that targets BCMA, and offers another treatment option for people with RRMM whose cancer has come back or did not respond to prior treatment.

My Multiple Myeloma May Relapse, My Resolve Won’t Waver

Kathy clearly remembers the day she started BLENREP. She was pleased to hear that by her second round of treatment, the cancer responded. This was Kathy’s experience, and others’ may be different.

As part of managing treatment with BLENREP, Kathy’s physician referred her to an eye care professional to monitor her eyes before starting treatment and prior to each dose of BLENREP. Dry eyes, blurry vision, worsening vision, severe vision loss, and corneal ulcer may be experienced with BLENREP treatment, as the medicine can cause changes to the surface of the eye. Even if vision seems fine, it is required for those taking BLENREP to continue to get their eyes checked prior to treatment to monitor potential changes that can happen without symptoms and may only be seen on an eye exam. Kathy experiences dry eyes, and is taking lubricant eye drops to help manage.

Kathy and her husband have become advocates for the multiple myeloma community, even starting their own support group in their city. Kathy feels it’s important to share her story to raise awareness of this disease, and hopes it will empower others to take charge of their treatment. “Every multiple myeloma patient is different, and it’s okay to seek help and talk to others!” says Kathy.

If you or a loved one has multiple myeloma, have received at least 4 prior medicines to treat it and the cancer has come back or did not respond to prior treatment, talk to your doctor about treatment options that may be right for you, including BLENREP, and visit BLENREP.com for more information.

IMPORTANT FACTS ABOUT BLENREP
The risk information provided here is not comprehensive. To learn more, talk to your healthcare provider or pharmacist. Visit BLENREP.com or call 1-888-825-5249 to get FDA-approved product labeling, including Medication Guide.

What is BLENREP?
BLENREP is a prescription medicine used to treat adults with multiple myeloma who have received at least 4 prior medicines to treat multiple myeloma, and their cancer has come back or did not respond to prior treatment. It is not known if BLENREP is safe and effective in children.

BLENREP is approved based on patient response rate. Studies are ongoing to confirm the clinical benefit of BLENREP for this use.

What is the most important information I should know about BLENREP?
Before you receive BLENREP, you must read and agree to all of the instructions in the BLENREP REMS. Before prescribing BLENREP, your healthcare provider will explain the BLENREP REMS to you and have you sign the Patient Enrollment Form.

BLENREP can cause serious side effects, including:
Eye problems. Eye problems are common with BLENREP. BLENREP can cause changes to the surface of your eye that can lead to dry eyes, blurred vision, worsening vision, severe vision loss, and corneal ulcer. Tell your healthcare provider if you have any vision changes or eye problems during treatment with BLENREP.

  • Your healthcare provider will send you to an eye specialist to check your eyes before you start treatment with BLENREP, prior to each dose of BLENREP, and for worsening symptoms of eye problems.
  • Even if your vision seems fine, it is important that you get your eyes checked during treatment with BLENREP because some changes can happen without symptoms and may only be seen on an eye exam.
  • You should use preservative-free lubricant eye drops at least 4 times per day during treatment with BLENREP as instructed by your healthcare provider.
  • You should use caution when driving or operating machinery as BLENREP may affect your vision.
  • Avoid wearing contact lenses during treatment with BLENREP unless directed by your eye specialist.

Decrease in platelets (thrombocytopenia) is common with BLENREP, and can also be serious. Platelets are a type of blood cell that help your blood to clot. Your healthcare provider will check your blood cell counts before you start treatment with BLENREP and during treatment. Tell your healthcare provider if you have bleeding or bruising during treatment with BLENREP.

Infusion reactions are common with BLENREP, and can also be serious. Tell your healthcare provider or nurse right away if you get any of the following signs or symptoms of an infusion reaction while receiving BLENREP:

  • chills or shaking
  • redness of your face (flushing)
  • itching or rash
  • shortness of breath, cough, or wheezing
  • swelling of your lips, tongue, throat, or face
  • dizziness
  • feel like passing out
  • tiredness
  • fever
  • feel like your heart is racing (palpitations)

The most common side effects of BLENREP include vision or eye changes such as findings on eye exam (keratopathy), decreased vision or blurred vision, nausea, low blood cell counts, fever, infusion-related reactions, tiredness, and changes in kidney or liver function blood tests.

How will I receive BLENREP?

  • BLENREP will be given to you by your healthcare provider by intravenous infusion into your vein over approximately 30 minutes and is usually given every 3 weeks.
  • Your healthcare provider will decide how many treatments you need and may decrease your dose, temporarily stop or completely stop treatment with BLENREP if you have serious side effects.
  • If you miss any appointments, call your healthcare provider as soon as possible to reschedule your appointment.

Before receiving BLENREP, tell your healthcare provider about all of your medical conditions, including if you:

  • have a history of vision or eye problems.
  • have bleeding problems or a history of bleeding problems.
  • are pregnant or plan to become pregnant. BLENREP can harm your unborn baby. Females who are able to become pregnant: Your healthcare provider may do a pregnancy test before you start treatment with BLENREP. You should use effective birth control during treatment with BLENREP and for 4 months after the last dose. Talk to your healthcare provider about birth control methods you can use during this time. Tell your healthcare provider if you become pregnant or think you may be pregnant during treatment with BLENREP. Males with female partners who are able to become pregnant should use effective birth control during treatment with BLENREP and for 6 months after the last dose.
  • are breastfeeding or plan to breastfeed. It is not known if BLENREP passes into your breast milk. Do not breastfeed during treatment with BLENREP and for 3 months after the last dose.
  • BLENREP may affect fertility in males and females. Talk to your healthcare provider if this is a concern for you.

Tell your healthcare provider about all the medicines you take, including prescription and over-the-counter medicines, vitamins, and herbal supplements.

These are not all the possible side effects of BLENREP.

You are encouraged to report negative side effects of prescription drugs to the FDA. Visit www.fda.gov/medwatch, or call 1-800-FDA-1088.

Trademarks are owned by or licensed to the GSK group of companies
©2021 GSK or licensor.
BLMOGM210046 November 2021
Produced in USA.

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Women-owned businesses: Here’s how to take your business to the next level

2022-03-08T14:01:00

(BPT) – If you’ve launched a small business or dream of becoming a business owner, the task may seem daunting. The good news is, helpful resources — and funding sources — are available to support you as you plan, start and grow your business. Here are tips specifically for women and women of color business owners, that will help take business operations to the next level.

Build your brand image

To make an impression in today’s digital landscape, it’s crucial for your brand to be clearly defined and communicated. If branding is not your expertise, it’s worth the investment to hire someone to bring their experience and market know-how to creating your brand and developing a strategy to communicate your brand effectively.

Knowing what your brand means and how your product or services fulfill your vision will help your business stand out from the competition.

Optimize social media

To generate positive word-of-mouth, offer exceptional services and rapid communication. It’s also vital to take advantage of today’s digital landscape by maximizing your social media presence. Create relevant content and positively engage with your audience on their favorite platforms to build brand awareness — and a loyal following.

Develop a social media strategy and content creation calendar focused on how your company engages with your customer base.

Embrace the digital transformation

If your small business hasn’t yet mastered ways to accept digitized payments online or in-store, now’s the time to get on board. According to data from the latest Visa Back to Business Study, more than two thirds (68%) of the female consumers surveyed said they anticipate shifting to being completely cashless within 10 years.

In the U.S., e-commerce has grown significantly in the last year and that trend is likely to continue in the future. Relatedly, 3 in 4 (76%) of women-owned businesses surveyed in the Visa Back to Business Study agreed accepting new forms of payment is fundamental to their business’s growth.

To help your customers pay for goods and services using their computer or mobile device, Visa offers a variety of resources and digital tools.

Constantly pursue funding opportunities

Beyond discovering resources via the Small Business Administration at sba.gov, be on the lookout for ad hoc programs focusing on women and people of color to help you get needed funding. For example, visit websites like IFundWomen.com and BlackGirlVentures.org for information, tips and pitching opportunities.

Right now, Visa is partnering with Black Girl Ventures to help provide hyperlocal grants and mentorship, plus access to partners, products and marketing to help drive growth to minority-owned small businesses. If you live in Atlanta or Detroit you can sign up to participate in upcoming pitching opportunities here.

This partnership builds on Visa’s commitment to support entrepreneurs in cities with the highest concentration of Black-owned businesses in the U.S. — Atlanta, Chicago, Detroit, Los Angeles, Miami and Washington, D.C.

“Through this partnership, Black Girl Ventures and Visa are able to assist entrepreneurs at a time when they need it the most and provide a megaphone to each of these community’s most pressing needs,” said Shelly Omilâdè Bell, founder and CEO, Black Girl Ventures.

For more information on how Visa is supporting Black women-owned businesses, visit the She’s Next Homepage. Or to learn more about the programs Visa has made available for small business owners to succeed, visit the Visa Small Business Hub.

This article is intended to provide general information and should not be considered legal, tax or financial advice. It’s always a good idea to consult a legal, tax or financial advisor for specific information on how certain laws apply to you and about your individual financial situation.

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10 tips on how to cut time taking care of really big yards

2022-03-08T15:01:00

(BPT) – You love your space and freedom. It’s your pride and joy. Acres of land surround your home in the country offering peace and quiet from the worries of the world. But, what you may not necessarily love is all the time it takes to care for it. After all, you’d rather be fishing, hunting, going off-road with your ATV, or watching professional bull riding.

With a little planning, and the right tools, you can make your land work for you, rather than you spending loads of time working it. Here are 10 tips by the yardcare experts at Toro, America’s number one mower brand, on how to cut your time mowing, and at the same time, enhance the value of your land.

1) Get your land surveyed — Before you make any big changes to your land, get your land surveyed to make sure you know exactly what the boundaries of your land are, including the location of trees, structures such as walls or sheds, and the location of power lines and underground utilities.

2) Get rid of the junk — Increase your land’s value by getting rid of any junk that’s creating an eyesore — old cars and trucks, garbage heaps, crumbling sheds, etc. Decluttering your land of junk removes habitat for snakes and rodents, and opens your land to more possibilities.

3) Create a master plan for your land — Whether you own a couple of acres or 250 acres, use your survey to develop a long-term plan for your land. Your plan can help you reduce maintenance time, create more beautiful views, build areas where you can work and play, improve access to your land, and better define boundaries with your neighbors. Consider hiring a professional landscaper to provide ideas for your plan on how to use your land better.

4) Use the right tools to get the job done right the first time — If you’re mowing an acre or more, it’s time to ditch the slow-moving garden tractor or even the push-behind mower. Cut your mowing time in half by upgrading to an easy-to-maneuver Titan zero-turn mower, specifically designed for mowing large acreage. With cutting decks up to 60 inches and an 8 mph engine, zero-turn mowers from Toro with the MyRIDE suspension system reduce riding vibration so you don’t have to slow down for bumps, roots and holes, allowing you to mow faster.

5) Update your fences — If you’re keeping dogs, horses and other livestock on your land, update your fences (or install new fencing) to keep your animals safe, and your neighbors happy.

6) Invite nature into your land — As part of your master plan, create habitat that is inviting for certain types of wildlife, such as wild turkeys, songbirds, pollinating insects and deer. Seed and plant areas with plants and shrubs that naturally occur in your area to create areas where wildlife can live and eat, giving you the joy of watching animals while reducing your mowing area.

7) Vitamins for your lawn — When you cut your lawn too short, you can stress your grass. Instead, raise your mower and trim the top of your grass, say the lawn care experts at Toro. This is especially important during periods of the season with little precipitation. Allow those trimmings to stay in your lawn, where they will decompose naturally and provide valuable nutrients to your grass and soil.

8) Replace struggling lawn areas — Shady areas. Low soil pH. Compacted soil. Heavy traffic areas. There may be parts of your land that are simply not suited for a green lawn. Instead of fighting it, consider mulching those areas, building raised gardens, or planting other types of groundcovers.

9) Reduce water use — One of the biggest expenses of maintaining a big yard is the cost of water. And even if you’re not on a municipal water system, it’s important to reduce the use of precious well water. Change your watering habits by extending the periods between watering, water at night (instead of the daytime) to reduce evaporation and aerate your lawn to allow water and nutrients to strengthen your lawn’s root network.

10) Install buffer areas — If your land is located on a lake, pond, river, creek or marshland, create buffer areas between your lawn and the water. A buffer is a strip of land that you don’t mow. It captures runoff water and filters it before it enters a water area. Let your buffer grow long by not mowing it anymore, or you can plant perennial flowers, ornamental grasses and shrubs to beautify your yard. Either way, it means less mowing, and cleaner water.

For more ideas and tips on how to spend less time mowing and more time living, visit yardcare.toro.com.

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How to protect your hearing from 5 common hazards

2022-03-08T15:27:01

(BPT) – Did you know hearing trouble is the third most common chronic health condition? According to the CDC, about 40 million Americans between 20 and 69 experience noise-induced hearing loss (NIHL) in one or both ears. The CDC reports that noise above 70 decibels (dB) over a prolonged period may start damaging your hearing, and noise above 120 dB can cause immediate harm.

Not sure what decibel level you’re experiencing? Here’s an easy rule of thumb: If you have to shout to hear conversation, it’s too loud.

Because hearing loss occurs over time, people exposed to loud noise earlier in life may not experience the resulting hearing loss until later in life.

“More and more employers are taking hearing protection seriously,” said Thiago Zambotti, vice president and general manager, General Safety, Honeywell Personal Protective Equipment. “It’s becoming increasingly common for older people to suffer from hearing loss — but that damage is being done many years earlier. This is largely preventable if you take steps to protect yourself.”

Here are common noise hazards you may encounter every day, and how you can protect your hearing.

1. Home projects

Tools around the home, including lawn mowers, leaf blowers and power tools, can be about 90-112 dB. This is considered a dangerous noise, especially when you use them for long periods of time. Because home projects can take hours to complete, it’s best to play it safe and protect your hearing.

2. Live music events

When music is played for large audiences, the noise level is increased to about 110-130 dB. Even smaller venues using amplification can be dangerously loud. This is why you may have experienced sensations such as ringing ears after an event. Listening to music at this volume for over an hour causes hearing loss, which is why musicians struggle with hearing loss more than most other people.

3. Exercise classes

Fitness trainers often blast music to pump up everyone for the workout. Loud music in a small room can be about 80-116 dB, which increases everyone’s risk of hearing loss the longer they’re exposed to it. You may also be endangering yourself by using ear buds to listen to loud music while working out, jogging or biking.

4. Boating/driving/motorcycle riding

When driving with loud music, you may not realize the damage it’s causing, but wind noise can also be dangerous. If you’re boating, wind noise alone can be about 80-100 dB, on top of engine noise that may reach anywhere from 70-90 dB. According to the American Academy of Audiology, individuals driving with car windows down for more than an hour daily are three times as likely to have hearing loss. Motorcycle riders are exposed to engine noise that can reach up to 100 dB or more, in addition to wind noise.

5. Work environments

Some jobs are recognized for needing hearing protection, including factory work, construction and transportation. If you work in one of these fields, make full use of hearing protection your company provides. However, many other jobs may require more hearing protection than is realized. People who work in a music venue or run a fitness class, plus farmers, mechanics, ambulance drivers/EMTs, police officers and firefighters, are also at risk. According to WebMD, other occupations showing a higher level of hearing loss include teaching and food service (noisy classrooms, diners and restaurant kitchens).

“Unlike most other occupational injuries, noise-induced hearing loss (NIHL) is pain-free, invisible, usually gradual, and so often goes unnoticed until the damage is done,” said Zambotti. “Although it’s the most prevalent occupational disease in the world, NIHL is preventable, if wearing the right protection.”

How to protect yourself:

  • Wear high-quality hearing protection that fits well, such as protective earplugs or earmuffs
  • Take “quiet breaks”
  • Shorten the duration of your noise exposure
  • Use power tools and equipment outside when possible
  • Turn music down and if exercising, consider bone-conduction headphones, a Bluetooth helmet or taking one ear bud out

Because hearing loss occurs over time, limit incidents of exposure to overly loud environments as much as possible.

Visit Honeywell.com to learn more about hearing loss and products to protect you.

You can choose from https://sps.honeywell.com/us/en/products/safety/hearing-protection/earplugs
to reduce Harmful Noises or https://sps.honeywell.com/us/en/products/safety/hearing-protection/passive-earmuffs Visit https://sps.honeywell.com/us/en/products/safety/hearing-protection
to learn more about hearing protection and products that can help protect you.

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Visit Tuolumne County and enjoy the nature and history of California this winter

2022-03-08T11:01:00

Photo courtesy Brand USA

(BPT) – When you think of California, images of sunshine and the stunning Pacific coastline are likely the first to pop in your head. Between the beaches and nearby mountains and lakes, there’s much to see. The state has even more to offer, especially in Tuolumne County, where you can have a memorable winter vacation for the whole family.

Tuolumne County offers wide-open spaces, small crowds and plenty of activities to entertain the whole family. It’s close to other California destinations like San Francisco and the larger Bay Area. It’s also a hot spot for eco-friendly tourism and adventure.

“Tuolumne County has much to offer, and the local community is doing its part to make sure it’s around for generations to come,” said Lisa Mayo, president and CEO of Visit Tuolumne County. “Visitors can enjoy the county’s nature and experience California’s rich history.”

Below are some highlights of the county’s experiences and adventures.

Visit breathtaking nature spots

Photo courtesy Arnaud Muller

Tuolumne County is an ideal destination for folks who enjoy the outdoors. More than half of Yosemite National Park resides in Tuolumne County, and it’s the least crowded half too. If you want Instagram-worthy photos of your vacation, explore Hetch Hetchy Reservoir, a Yosemite hidden gem. Due to its low elevation, the area offers one of the longest hiking seasons in the park. Take a short hike to Tuolumne Grove and walk among the giant sequoias. During the winter, you can experience the majesty of these 3,000-year-old giants and try out some snowshoeing.

But Tuolumne County is much more than Yosemite. Take a road trip up Highway 108 and experience the beauty of the High Sierra. From trails, lakes, rivers and streams, you have plenty of incredible views to choose from. There are endless opportunities for outdoor recreation, including camping, hiking, biking, boating and rafting, fishing, horseback riding and winter sports.

Speaking of winter sports, you can visit Dodge Ridge Mountain Resort, the closest snow location to the Bay Area and Central Valley. Your family and friends can enjoy an easy drive to go snowboarding, skiing and other winter activities in the High Sierra.

Learn about California’s rich history

Photo courtesy Menka Belgal

If you have elementary school students, they’ve likely heard or studied the California Gold Rush. Take a winter vacation and bring history to life by visiting Columbia State Historic Park, California’s best-preserved, living gold rush town. The park features the single largest collection of existing gold rush-era structures in the state. Take the kids to pan for gold, ride a stagecoach and take in a live performance at the historic Fallon House Theatre.

If you have any movie buffs in the family, make sure to visit Railtown 1897 State Historic Park. The park is home to one of the few roundhouses left in the U.S. Its locomotives have been featured in several movies such as High Noon, Back to the Future III and Petticoat Junction.

There are plenty of activities just for adults as well in Gold Country. For example, Hurst Ranch offers a unique wine tasting experience in the railroad station featured in the film Unforgiven. You can stop and take a drink at The Iron Door Saloon, California’s oldest continuously operating saloon. If you want to mix your alcohol with nature, visit Indigeny Reserve and taste local cider and spirits at its 160-acre nature retreat with hiking trails, picnic areas and park-like settings.

Take part in eco-conscious tourism

Photo courtesy Visit Tuolumne County

Often, tourism can lead to littering, pollution and other negative ecological impacts. Many of the local businesses in Tuolumne County are committed to creating a greener community and encouraging sustainable tourism.

Echo Adventure Cooperative, a worker-owned tour guide outfitter, offers several eco-friendly trips that include fly fishing, guided day hikes, backpacking trips, snowshoeing and sightseeing. The cooperative has forged and maintained stewardship efforts with the local Tuolumne community, donates to several conservation groups and puts in tremendous effort to maintain high environmental standards.

If you’re looking for a sustainable accommodations, reserve a room at the Rush Creek Lodge. Situated just outside Yosemite National Park, the lodge hires local staff, landscapes with native plants and supports organic farms and artisans.

Photo courtesy Menka Belgal

Remember to do your part during your visit. While camping and hiking in Yosemite and other state and national forests, pick up after yourself and others. Leave no trace and stay on the trails to protect the environment for future generations.

Tuolumne County isn’t just a winter getaway. It is a year-round destination with something to offer every season. Enjoy hiking and boating in the summer, festivals and leaves changing color in the fall, skiing and snowshoeing in the winter and wildflowers and waterfalls in the spring. To learn more, go to VisitTuolumne.com.

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What employers can learn from the Great Resignation

2022-03-08T00:01:00

(BPT) – By Shareen Luze, head of culture and field experience, RBC Wealth Management—U.S.

It’s a startling fact — people are quitting their jobs at a higher rate than normal. According to a Bureau of Labor Statistics report released in November of 2021, a record 4.5 million people resigned that month. You don’t have to look hard to find out why. A LinkedIn survey found that 74% of respondents said the pandemic was a wake-up call and more time at home led them to think twice about their current job. Some pointed to stress, while others cited general dissatisfaction.

As someone who is hard-wired to find silver linings in every situation, no matter how dire, I think we as employers must accept there are lessons to be learned and work we can do to better support employees.

1) Embrace flexibility

One thing we learned from the pandemic is we all have lives outside of the office. Before, working parents may have shushed a child who asked for help while they were on a Zoom meeting. Now, I see lots of parents who are more comfortable with their child making a surprise appearance. There’s greater acceptance of these little interruptions that demonstrate our work and home lives are more interconnected than ever before. And, as employers, we’re wise to recognize this. A recent survey shows 56% of workers said flexibility was their primary reason to look for a new job, even more so than higher pay.

At RBC Wealth Management, we’ve committed to flexible work schedules with time in the office (when it’s safe to do so) and time at home. Over the past nearly two years, it’s become clear that not every employee has to be in the office every single day. Enabling a greater portion of the workforce to work remotely will promote greater flexibility for employees who, for a multitude of life circumstances, can’t always be in the office from 9 to 5.

2) Support employees

With pandemic stress and burnout topping the list of reasons why they quit, workers are looking for greater support. And employers are in a unique position to offer help, especially as employees juggle responsibilities during the school year. RBC’s medical plans already included telehealth options, and we’ve made it easier to use those services during this time by temporarily providing no-cost visits (no co-pays or co-insurance). We also have several programs that offer free, confidential counseling and coaching services for employees and their family members who may be experiencing stress, depression and other mental health concerns. Employees can receive personal support by phone or videoconference — without leaving their homes.

Perhaps the best resource of all during the pandemic? Each other. Our employee network group, Women Empowered (WE), proved through virtual meetings we didn’t have to physically be together, to be in this together. Sessions focused on work-from-home boundaries, communication skills and mental health topics, like mindfulness. We even had a little fun with workshops where members would show off their talents — everything from sewing masks to making cocktails and yoga.

3) Find purpose

Millennials, the largest generation in the workforce, are looking for more than just a paycheck — they want purpose. The Cone Communications Millennial Employee Study found that 83% of respondents would be more loyal to a company that helps them contribute to social and environmental issues. And 64% won’t take a job if their employer doesn’t have a strong corporate social responsibility (CSR) policy.

At RBC Wealth Management, we understand that work needs to hold greater meaning today than ever before. That’s why we invite employees to share in our core value of diversity, equity and inclusion because we’re committed to building and nurturing a diverse workforce. It’s reflected in the makeup of our board, which is 38% women, and in how we hire and promote.

Responsible investing — applying environmental, social and governance (ESG) data to an investment portfolio — is also a focus of ours. In fact, ESG is so important that it’s woven into everything we do, even front and center on our website. Our carbon neutral status, sustainable financing investment and commitment to environmental solutions demonstrate our ideals and we hope that resonates with our employees and job seekers. Because a purpose-driven culture makes work fulfilling.

4) Connect with authentic conversations

Anyone who knows me understands that I’m rarely at a loss for words. It’s helped me better connect with colleagues and team members. And it’s really helpful when it comes to understanding employees’ concerns and questions before they begin to think about resigning. Being proactive with authentic conversations is one of the best ways to create a workplace where employees feel respected and valued. To do that, leaders have to go beyond the typical “How are you?” and embrace vulnerability by sharing some of our own struggles. It’s not easy to let down our guard, but you might be surprised at the results. The power of an authentic conversation has the ability to connect, help us understand and ultimately, build trust that could potentially turn the tide on the great resignation.

This article was originally published through our partner Ellevate Network, the largest community of women at work.

RBC Wealth Management, a division of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC.

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How to live BIG in your backyard this summer

2022-03-07T11:15:00

(BPT) – The sun is shining, a warm breeze is blowing and you’re itching to get outside. You finally step out the door, and what do you see? A vast, empty space with untapped potential. When it comes to designing your backyard staycation station for the summer, you want to make a BIG statement. After all, this is the place where you can be the hostess with the mostest, ready to mix up some margs at a moment’s notice or mingle late into the night by firelight. Patio and outdoor spaces can be tricky to style and decorate, which is why Big Lots has created a step-by-step guide to deck out your backyard this summer.

Step 1: Maximize value and comfort

The foundation of any space is furniture. Determining which outdoor furniture to purchase is as simple as viewing it as an extension of your living space. Think about how it will be used and how many people will use it. Create different vignettes and focus on “moments” you want to create in your space. Perhaps you want a cozy little spot for a fire pit. Or maybe you’re planning on hosting a neighborhood potluck around a massive outdoor dining table. Catching some poolside rays will require some lounge chairs with, of course, a side table to hold your vacation drinks. Gazebos, sofas, tables, chairs, swings and matching coolers are all important pieces to consider when designing your space. And because this furniture will be outside and exposed to the elements, don’t forget to look for items that are trendy AND affordable.

Step 2: Light up your night

To fully maximize use of your outdoor space, you’ll next need to focus on lighting. And if you’ve ever wondered to yourself: am I fancy enough for an outdoor chandelier? The answer is yes. You can also try mixing and matching candle-lit statement lanterns to give chill vibes to all who come by. Another option would be to create a focal point with a fire pit, which comes in all forms these days, from grand outdoor fireplaces to smokeless metal drums and classy table centerpieces. If you want to set the mood while keeping the bugs away, hang up some string lights and the bugs will fly high as you lie low.

Step 3: Delight in the details

Now we’ve arrived at the really fun part — decorating your new space. Some of the top trends in backyard accent décor themes right now include bohemian, farmhouse, coastal and mid-century. Regardless of the theme you choose, one of the first elements that will tie your space together is an outdoor rug. The brighter the pattern, the better! Since this will live outside, we’re looking for big patterns and splashes of color to hide big splashes of dirt. Once you’ve got your theme and your color scheme, work in some oversized planters, stylish accent pillows, a scalloped umbrella, durable dining ware and even some low-maintenance but impressive faux plants for the finishing touch.

Be a “Backyard BIGionaire” this year and feel like a million bucks while hunting for the best deal at your neighborhood Big Lots or on biglots.com.

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Seeking a creative edge? Consider a digital photography degree

2022-03-07T11:01:00

(BPT) – Are you a visual thinker? Do you enjoy creating? Do you resist the idea of a traditional nine-to-five job? If so, you might consider getting a degree in digital photography and focusing your creativity into a satisfying, lasting career.

Over the past 20 years, digital images have profoundly changed how people use and experience photography. Generally speaking, digital photos are easier, faster and less expensive to create than their film predecessors. However, having a camera phone doesn’t make you a digital photography expert. People with specialized digital photography skills gained through formal training are in high demand. With the rich expertise a degree in this field provides, creativity in digital photography is virtually limitless.

Career opportunities

Digital photography careers vary, but some popular paths include art photographer, photo editor, editorial photographer, museum or gallery director, web designer and teacher.

Media, arts and sports workers are in the top five fields projected to have the most openings per year that require a college degree, on average, from 2020 to 2030, according to the U.S. Bureau of Labor Statistics. On the list are art directors and editors, with a median annual wage of $97,270 and $63,400, respectively, and more than 11,000 occupational openings each. Both jobs are listed as requiring a bachelor’s degree.

Digital photography is also a great option as the gig economy grows. Gig work means jobs that have contracts or can be done as a freelancer, and many people enjoy the flexibility of either full-time or part-time work.

Digital photography degrees

Degrees in digital photography emphasize contemporary, creative and expressive forms of the art that are in demand today. Students learn how to improve their technique while growing an understanding of aesthetics and conceptual thinking. By attending school you’ll also be connected to a community of peers, professors and mentors who will encourage artistic development.

One leading example is the BFA in Art with a concentration in Digital Photography offered by Arizona State University through ASU Online. Through practical assignments in a virtual learning environment, students have unique experiences and critically engage with classmates and instructors around the globe, further expanding their viewpoints and skillset.

“In some ways, I think our online digital photo degree actually unteaches some things. Photography is about more than just making a beautiful image. The photographs that have the most power, that have the most ability to change people’s ideas, are the ones that go beyond that beauty,” said Ashley Czajkowski, lecturer and image-based artist with The Herberger Institute for Design and the Arts at ASU.

Who does well in digital photography?

Visual thinkers and creative people excel and enjoy studying digital photography. A digital photography degree may also be ideal for people with learning differences related to language and organization, such as attention deficit disorder and dyslexia. People with ADD/ADHD and dyslexia have often developed different ways of approaching the world and have a more creative approach to problem solving. For many of them, art provides an excellent place to use these skills.

The ASU Online program makes a thriving art school available to a broad and diverse student body. The instructors genuinely care and want students to create something new and meaningful.

Maria Lapenta was between schools and decided on ASU Online. “The application process was smooth, the community was great and it just felt like the perfect place for me — it felt like home.

“I was wanting to go back to school for photography to expand my knowledge in not only the technical aspects of photography but also the history of photography, and learning to think about photography and art in a different way. I learned that it was OK for me to break out from the standard idea of art/photography and to be myself in my art,” Lapenta said.

To learn about ASU Online’s digital photography program in addition to other accelerated and traditional degree programs, visit ASUOnline.asu.edu.

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5 tips to avoid phone scams

2022-03-07T13:06:00

(BPT) – What do you do when your cell phone rings? If you automatically answer whether you recognize the caller or not, you aren’t alone. But, chances are good that the person on the other end may be a scammer looking to trick you into giving out personal information.

Vishing (or voice phishing) involves scammers calling you on your phone and phishing (fishing) for information. Vishers impersonate bank, credit card company or government officials, say they represent a charity or call you with too-good-to-be-true offers. Experts even predict vishing calls will make up almost half of all cell phone calls in the near future.

“Impersonators, also known as ‘Vishers’, are getting creative about how they obtain access to financial accounts. They’ll often pressure you for personal information, passcodes or ask to take over your mobile device by posing as your bank and telling you there is fraud on your account,” said Chip Kohlweiler, Senior Vice President of Security at Navy Federal Credit Union.

The Federal Trade Commission (FTC) and others have identified several common angles that scammers like to use, such as impersonating a government agency, debt relief and credit repair, extended car warranties and prize wins, among others.

It’s all to catch you off guard and get you to share your personal information like bank or credit card information and details like your birthdate or Social Security Number. That’s why knowing how to spot a scam and how to protect yourself and your personal information is so important.

Here are five easy steps to protect yourself:

  1. Don’t let yourself be pressured into giving information over the phone. Keep personal information and passcodes private and never give it out during an unsolicited phone call.
  2. Don’t download any “troubleshooting” apps because they’ll allow the fraudster to take over your device.
  3. If you think a call might really be from your bank, insurance or credit card company, find their phone number on your statement or card and call that number.
  4. Educate yourself about common scam practices. For example, the IRS will never ask for payments over the phone, as well as won’t ask for payment in cash, gift cards, wire transfers or your debit/credit card information. They generally reach out through the mail before they call.
  5. Some phone providers and many smartphones have call-blocking tools that’ll allow you to block calls from undesirable numbers. If you get a scam call, block the number.

“Never share your one-time passcodes with anyone especially over the phone unless you placed the call to the known number. Be skeptical of requests like this and call the number on your statement to speak to a representative,” added Kohlweiler.

Ultimately, the goal is to keep your personal information and financial accounts secure. With these tips in mind, you can avoid falling victim to fraud.

Navy Federal is federally insured by NCUA.

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5 ways to build your credit history

2022-03-07T09:01:00

(BPT) – Whether you just graduated or haven’t been able to start building credit, you should know a lack of credit history can create difficulties down the road. Without a credit score or solid credit history, you may be unable to borrow money to buy a car, or could have trouble getting an apartment or job. Your credit history is viewed by many as not just a summary of your creditworthiness, but also trustworthiness, which is why some employers and landlords check your credit history. Credit histories take time to build, and to some degree may indicate to others how good you are at managing your money.

To build and improve your credit history, here are important tips to follow.

1. Use credit — carefully

Some may think using no credit is the way to a better credit score, but the opposite is true. Using a credit card to make small purchases, then paying them off on time is the best way to build your credit score.

Your score will improve due to how long you hold credit accounts, and also by:

  • Making on-time payments every month
  • Using no more than 30% of your available credit
  • Not having too many lenders checking your credit at the same time
  • Not applying for multiple loans or credit cards at one time

2. Plan ahead to pay bills on time

Use calendar reminders to keep track of payment due dates each month. If money is tight, contact creditors ahead of the due date to let them know you’re having difficulties, and to ask about options like making a partial payment or changing the due date.

3. Apply for a standard personal loan or credit card

Begin building your credit history by applying for a personal loan or a credit card. Keep in mind: Not all lenders will approve you without a credit history. Instead of applying to a bunch of credit card companies at once, which can hurt your credit score, seek lenders like Oportun who specialize in making loans to people with limited or no credit history. For example, the Oportun® Visa® Credit Card relies on A.I. and alternative data to underwrite hardworking people, many of whom are outside the mainstream. Unlike other card products available to financially responsible people with limited or no traditional credit history, the Oportun card is unsecured and offers credit lines starting up to $1,000.

“Our card provides individuals with a limited credit score the opportunity to start building a positive credit history and start them on their journey to financial success,” said Gonzalo Palacios, Senior Vice President of Credit Cards, Oportun. “We are proud to say that our use of technology and A.I. is helping bridge the financial inclusion gap left by more traditional financial institutions.”

The Oportun Visa Credit Card:

  • Requires no credit history or security deposit
  • Is available to financially responsible, hardworking people typically denied the opportunity, including those without a credit score, Social Security number or U.S. I.D.
  • Is accepted worldwide, with no foreign transaction fees
  • Includes 24/7 online account management, with support in English and Spanish
  • Offers easy payment options: online, mail, phone or cash
  • Includes zero fraud liability for unauthorized purchases

By reporting repayment performance on its personal loans and credit card products to the major credit bureaus, the company has helped over 945,000 people begin establishing a credit history.

For more information and to apply, visit Oportun.com/credit-cards.

4. Become an authorized user

Another way to start establishing credit is to become an authorized user on someone else’s credit card account. You can do this by asking a friend or family member who has a good credit history to add your name to their account. This gives you the benefit of having that person’s credit payments included on your credit report. Being an authorized user is a great way to help build a positive credit history.

5. Check your credit score

By law, consumers are entitled to request a copy of their credit report by contacting any of the three major bureaus — Equifax, Experian and TransUnion. Checking your reports helps ensure that all the information is accurate, as well as showing you what factors may be impacting your score so you can make improvements.

Follow these tips consistently over time, and you’ll be able to build a solid credit history — and a better future.