Secrets to getting a good night’s rest

2024-03-11T11:27:00

(BPT) – Did you know nearly 8 in 10 Americans are trying to improve their sleep this year? In a recent survey, nearly half ranked this goal as their number one priority. If getting better sleep is at the top of your list to improve your health, you may want to review habits which could be preventing you from getting a full night of deep, restorative sleep. This is even more crucial when your schedule changes, such as during spring break or when you have to move clocks forward for daylight saving time.

A survey conducted by One Poll on behalf of Herbalife examined sleep habits of 5,000 Americans, split evenly by state, to reveal who’s getting the best sleep, how many hours per night they’re sleeping, plus typical habits around this often-overlooked aspect of health and well-being.

Discoveries from the survey include the fact that respondents in California appear to get the best sleep, South Carolina coming in second and New York coming in third, with Maryland and New Jersey tied at fourth place. However, while experts recommend adults sleep for 7-9 hours per night, respondents in California report getting just over 6 1/2 hours of sleep per night.

Regardless of where they live, over half of respondents (55%) can’t remember the last time they had a “perfect night” of sleep, and 78% can’t recall when they last had a “perfect week” of sleep. While “perfect” sleep might be unattainable, less than half (48%) said yes when asked whether they know how to get a good night’s sleep — and 66% of respondents admit that within two hours before bed, they watch TV or scroll through their phone for extended periods of time, which are not recommended as activities conducive to good sleep.

“Getting good quality sleep is essential for everyone,” said John Heiss, Ph.D., and vice president of Global Product Innovation, Herbalife. “Sleep supports important functions including metabolism and brain health and can have an impact on conditions including heart disease, obesity and depression.”

How to get better sleep every night

To help you sleep longer and more deeply, try incorporating these habits into your daily routine.

Don’t overeat near bedtime: Eating lighter, low-fat meals at dinner eases digestion, and healthy carbohydrates (think whole grains, fruits, vegetables and legumes) help stimulate production of brain chemicals that can help you relax and get to sleep. Experts also advise limiting food intake within three hours of bedtime.

Lessen caffeine and alcohol intake: Both caffeine and alcohol can disrupt your normal sleep patterns. You may be able to fall asleep, but it could be harder to stay asleep, preventing you from reaching the deepest and most restful stage of sleep.

Boost exercise: Evidence suggests getting at least 30 minutes of moderate-intensity physical activity during each day can help improve your sleep quality.

Keep a regular schedule: Experts also recommend going to sleep and waking the same time each day, even on weekends and holidays. This creates a predictable sleep rhythm your body will begin to anticipate. You can prepare for changes in your routine, including when you must “spring forward” your clock, by gradually adjusting your schedule.

Try stress-reduction techniques: Extensive research on the benefits of relaxation techniques like meditation, breathing exercises and reading show they can all help reduce stress. These practices can help reduce insomnia if you do them regularly, especially before bedtime.

Develop a bedtime routine: To help prepare for sleep, dim house lights in the evening and follow a digital detox rule of no computers or digital devices at least one hour before bedtime — including TV watching.

“Blue light from TVs, phones and other digital devices can impair the quality of your sleep. Even if you can fall asleep, the quality of sleep is reduced, and your brain biology is disrupted,” said Heiss. “Blue light can disrupt your circadian rhythm, which controls mood, organ function and metabolism. Blue light may also be the culprit if you’re experiencing food cravings.”

Which of these recommended steps are Americans currently following?

  • Making bedtime and/or morning routine more consistent — 44%
  • Taking time away from screens before bed — 39%
  • Eating less in the evening/before bed — 30%
  • Making time for quiet hobbies before bed (reading, yoga, etc.) — 30%
  • Changing diet — 23%

Changing your habits during the day, and especially right before bed, could make all the difference when it comes to getting a good night’s sleep.

Find more tips to help you follow a healthy and active lifestyle and support better sleep hygiene at Herbalife.com or to connect with an Herbalife independent distributor, call +1 866-866-4744.

Small business growth made easy with AI

2024-03-11T08:01:00

(BPT) – If your small business doesn’t have an online presence, you’re getting in the way of your own success. According to a new survey by small business services platform GoDaddy, 89% of consumers say it is important for a small business to have a website, yet nearly a quarter of small businesses (24%) don’t.

Maybe you’ve considered building a website or creating social media accounts for your small business, but lack the time or experience to do so. It’s not surprising. Venture Forward, a small business research initiative, surveyed 6,000 entrepreneurs in the U.S. and U.K. and found that 42% of them cite difficulty marketing their businesses as a top challenge.

Artificial intelligence, however, is changing the game for small businesses. Emerging generative AI tools can instantly and inexpensively provide customized help to small businesses. GoDaddy survey respondents indicated they believe AI can save them more than $4,000 and 300 hours of work per year.

Here’s how generative AI can help you create, build and grow your business’s online presence, even with limited tech skills and tight time constraints.

1. Create your brand

Whether starting a business from scratch or taking your brick-and-mortar business online, you’ll need some help creating your digital identity. For example, you may have a business name but no clue how to turn that into a memorable domain name. AI can help you get started on that journey instantly.

Even if you only have an inkling of an idea, a solution like GoDaddy Airo™ can recommend catchy domain names with just a quick description of your business. This may seem like a small step, but once you have a domain that resonates with your vision, all you have to do is register it, and your small business has officially gone digital.

2. Build your online presence

Now that you’re online, it’s time to build your business’s presence. Plenty of platforms offer to do the heavy lifting when it comes to building a website. However, you’ll still need to design graphics and draft content to populate your site, taking more time away from running your business. Plus, that work doesn’t come naturally to everyone.

Instead of contracting with someone to develop your website, AI can be your web creator. AI solutions go as far as generating a fully built website with imagery and content to help you engage current and potential customers. From creating logos to professional email accounts to auto-generated product descriptions, there’s a lot you can do with AI — even register your business as an LLC.

3. Grow your customer base

Once you’ve established your website, it’s time to turn your attention to growing your business by capturing new customers. In the modern world, that means expanding the places your business shows up online.

This is not a one-and-done task. It takes continuous — weekly if not daily — attention.

Instead of taking on these tasks yourself, use AI to build email campaigns, a social media calendar and low-cost ads to draw traffic to your website. These simple activities are essential to the longevity of your business.

Are you ready to let AI work for you? GoDaddy Airo™ makes leveraging the power of AI easy for anyone wanting to start a business or take their existing one to the next level. Visit GoDaddy.com/ai to see everything generative AI can do for you.

Money Matters: Key Insights into Tax Refunds and Financial Priorities

2024-03-07T12:00:00

(BPT) – Tax season can be a stressful and challenging time for many Americans. In fact, according to the second-annual “Straight Talk Wireless™ Tax Stress Index,” 1 in 5 people want to throw their phone due to frustration over taxes.

That’s not all Straight Talk uncovered. Below are three key findings from Straight Talk’s annual survey that shed light on American attitudes about taxes and their refunds.

1. Shrinking Refunds

A common fear among tax filers in 2024 is the possibility of smaller returns. 49 percent are worried their tax refund this year won’t be as high as last year.

While no one likes receiving less money than expected, a smaller refund could make life harder for some. The survey found that 60 percent of Americans are in more debt than last year and many of them are counting on their refunds to secure financial stability – 34 percent plan to use their refund to pay off debt.

2. Financial Management

Aside from debt, many Americans have earmarked their refunds for other financial goals. According to the survey, 37 percent plan to save their refund and 34 percent will use it for household expenses.

“Finances remain top of mind for tax filers,” said Lynnette Khalfani-Cox, personal finance expert and bestselling author of the new book Bounce Back: The Ultimate Guide to Financial Resilience. “Inflation anxiety and rising debt continue to plague Americans. It’s not surprising that instead of paying for a vacation or buying luxury items, people are using their refunds as part of their financial management strategy.”

3. Upgrades

While extravagant spending may not be in the cards, many tax filers do plan to spend their refunds on practical expenses. Nearly half, about 44 percent of Americans, say they plan to upgrade their phone using their tax refund.

If you’ve been thinking about upgrading your phone, tax season may be your best bet. Not only will you have extra cash, but you’re also likely to find deals. For example, with Straight Talk, you’ll find great deals on service plans with a wide selection of smartphones at affordable prices. Right now, Straight Talk is offering a Samsung Galaxy A14 5G for free with the purchase of the Extended Silver Unlimited plan.* To learn more, visit StraightTalk.com or a Walmart store near you.

With prepaid, no-contract plans, you can embrace benefits like flexibility and savings all year long – but especially during tax season.

*Offer valid through 6/9/24 while supplies last. At participating stores. Must purchase a Straight Talk Extended Silver Unlimited Plan to qualify (90-Day, 180-Day or Annual Plan). In-Store activation required at Walmart. Limit of two phones per customer. Taxes and fees apply. ©2024 TRACFONE.

Survey methodology: This random double-opt-in survey of 2,000 general population Americans was commissioned by Straight Talk Wireless between January 16 and January 21, 2024. It was conducted by market research company OnePoll.

Allergy-busting must-haves that will keep you buzzing all spring, according to a registered dietitian

2024-03-07T07:15:00

(BPT) – Spring is just around the corner, bringing with it blooming flowers, greener grass and, unfortunately, the return of seasonal allergies for more than 81 million people. But you don’t have to spend the sunny season suffering from stuffy noses, scratchy throats or sneezing fits — oh my! Incorporating healthy foods into your diet is a simple but effective way to naturally support the immune system and provide relief from annoying allergy symptoms all season long.

We spoke with Registered Dietitian Kelly Springer about her five favorite staple foods with natural allergy-busting and wellness-boosting properties to prevent hay fever and high pollen counts from interfering with your life. To buzz with vitality all spring, consider stocking your pantry with the following:

Manuka Honey

Manuka honey is a premium, nutrient-rich food produced from special Manuka bushes in New Zealand and considered to be especially beneficial for health and well-being. An authentic Manuka honey, like this raw Manuka honey from Wedderspoon, is chock full of enzymes, amino acids, B vitamins, C vitamins, minerals and antioxidants that are great for keeping your immune system in top shape.

Manuka honey is a pantry staple all year long, and some of the tastiest and easiest ways to incorporate it into meals include adding to smoothies, drizzling on toast with nut butter, adding it to an acai or yogurt bowl with granola, or right off the teaspoon for a daily boost. For pesky symptoms related to allergy season, however, Wedderspoon’s Throat Drops are my go-to for quick, natural relief. They are so tasty and feature naturally-occurring wellness ingredients — like organic Manuka honey, echinacea and bee propolis — to soothe sore throats and quiet coughs. Even better, they come in a variety of flavors including my personal favorite, lemon, and you can now also find them at your local Costco. I find myself adding them to my cart every time I do a grocery stop so I never run out.

Bee Propolis

Bee products have been used in therapeutic remedies since ancient times but have been growing in popularity due to their multitasking superfood properties. Another of my most-reached-for products for allergy symptom relief is bee propolis — a natural resinous substance that honey bees collect from the different parts of plants, buds, and exudates. Like Manuka honey, bee propolis is one of nature’s most potent defenders against germs and free radicals in the body as it is rich in vitamins and antioxidants, including polyphenols and flavonoids. Propolis can hinder histamine release — and the watery eyes and stuffy noses that come with it — and help bolster cell health against oxidative damage and chronic inflammation. I love that Wedderspoon’s lemon-flavored drops have both Manuka honey and bee propolis for a truly holistic approach to combating allergy season.

Herbal Teas

I can’t say enough about herbal teas for seasonal allergy relief. They’re a soothing and simple way to keep symptoms at bay — and a warm cup of tea pairs perfectly with the previously mentioned Manuka honey for an even more powerful homeopathic remedy. I’m never without green or chamomile tea in the spring, both of which are natural antihistamines containing powerful antioxidants that have been shown to be able to block histamine production and reduce inflammation related to seasonal allergies. The calming effect of chamomile tea is also great for helping get a better night’s rest if hay fever symptoms make it impossible to fall and stay asleep.

Turmeric

Turmeric is such a unique spice. Not only does it bring a world of flavor to many dishes, it’s also loaded with numerous health benefits and therapeutic qualities, including serving as a defense against seasonal allergies. Turmeric is made up of a compound called curcumin, which is anti-inflammatory and antibacterial and has been shown to effectively block and reduce allergy-causing congestion and other bothersome rhinitis symptoms. It’s super easy to incorporate into your allergy-busting routine as you can use it to spice up your meals — it’s a flavorful seasoning when roasting veggies — or you can take it in pill form.

Apples

Everyone knows the old adage that an apple a day keeps the doctor away. The same can be said for allergies. Apples are a powerhouse fruit containing fiber, vitamin C and quercetin, all of which play a key role in remedying symptoms associated with hay fever. Fiber acts like a prebiotic that nourishes gut flora to maintain a healthy balance while vitamin C helps strengthen the immune response to lessen the severity of symptoms when allergy triggers enter the body. Quercetin is an antioxidant flavonoid which acts like a natural antihistamine to decrease inflammation. Because of this, apples are a must for surviving allergy season.

With allergy season fast approaching, it’s never too early to start stocking up on foods with wellness properties so you can eat to nourish your body, strengthen immunity and reduce responses to allergy triggers, regardless of what the forecast may hold. This year, try a holistic approach to allergy season so you can enjoy the May flowers that April showers bring.

More multiple myeloma patients eligible for stem cell transplantation

2024-03-07T08:01:00

(BPT) – Article is sponsored and developed by BioLineRx USA, Inc.

Receiving a cancer diagnosis is overwhelming. There is a lot to learn while navigating numerous emotions. It’s always important to educate yourself about the disease as well as new research advances or therapies that might be right for you.

One cancer with recent treatment developments is multiple myeloma. This cancer is a hematologic malignancy, meaning it begins in blood-forming tissues like bone marrow. Multiple myeloma is the second most-common hematologic malignancy, occurring most commonly in people ages 65-74.1,2 It was estimated that more than 35,000 people in the U.S. were diagnosed with multiple myeloma in 2023.2

Multiple myeloma is a cancer of the plasma cells. Normal plasma cells are found in the bone marrow and are an important part of the immune system, according to the American Cancer Society.3 In general, when plasma cells become cancerous and grow out of control, this is multiple myeloma.

Treatment for multiple myeloma

Autologous stem cell transplantation (ASCT) is an important part of treatment for multiple myeloma. In the U.S., as many as 8,000 ASCTs are performed each year in patients with multiple myeloma.4 Patients with multiple myeloma should speak with their doctor or transplant team to learn about ASCT and if it’s the right treatment approach for them.

“An increasing number of patients are candidates for ASCT which, when successful, has shown progression-free survival in people with multiple myeloma,” said Dr. Henry Fung, MD, FACP, FRCPE, Chair, Department of Bone Marrow Transplant and Cellular Therapies, Fox Chase Cancer Center.

The ASCT process starts by taking the patient’s own stem cells including blood or bone marrow which are removed or harvested through a procedure called apheresis. Stem cells are early cells that can develop into different types of blood cells, including plasma cells. Stem cells are collected, frozen and stored. The patient typically undergoes conditioning chemo, and the stem cells are then thawed and returned (transplanted) back into the patient.5 The stem cells travel to the bone marrow, engraft, and then start making new, normal blood cells.

Challenges and unmet needs

The success of ASCT depends on adequate mobilization of stem cells during the treatment process. Poor mobilization can be attributed to a variety of risk factors including increased age, evolving induction regimens, previous treatment, and previous radiation therapy among other risk factors.6-8

Prior to apheresis, patients go through induction therapy to reduce the amount of cancer cells in the blood. Depending on induction regimens and mobilization strategies, up to 47% of patients have had challenges collecting target numbers of hematopoietic stem cells for ASCT after one apheresis session.6,9 Due to the unpredictability in treatment and the possible need for multiple apheresis sessions, there’s the potential for significant burden on patients, care partners and apheresis centers.10

Understanding your treatment options

There have been advancements in the treatment approach in multiple myeloma, including in induction regimens and stem cell mobilization, and it is important for patients to understand their options.

“Patients have, for example, the ability to seek information on ways to reach target collection goals with the fewest numbers of apheresis sessions,” continued Dr. Fung. “Fewer apheresis sessions may mean giving patients time back to spend in ways they enjoy.”

If you or a loved one has multiple myeloma, talk with your doctor about current treatment options which may be best for you. For more information about multiple myeloma and ASCT, visit the American Cancer Society at cancer.org, the HealthTree Foundation at healthtree.org/myeloma or the International Myeloma Foundation at myeloma.org. To learn more about the company sponsoring this article visit: biolinerx.com.

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  1. Kazandjian D. Semin Oncol. 2016 Dec;43(6):676-681
  2. SEER Cancer Stat Facts: Myeloma. National Cancer Institute. Bethesda, MD, https://seer.cancer.gov/statfacts/html/mulmy.html
  3. American Cancer Society. What is Multiple Myeloma?. Atlanta, Ga. American Cancer Society; 2023.
  4. Auletta JJ, et al. Current use and outcome of hematopoietic stem cell transplantation: CIBMTR US summary slides. 2021.
  5. American Cancer Society. Types of Stem Cell and Bone Marrow Transplants. Atlanta, Ga. American Cancer Society; 2023.
  6. Edmisson J, et al. Poster presented at: 64th American Society of Hematology Annual Meeting and Exposition; December 10-13, 2022; New Orleans, LA.
  7. Hulin C, et al. Haematologica. 2021;106(8):2257-2260. doi:10.3324/haematol.2020.261842
  8. Chhabra S, et al. Transplant Cell ­Ther. 2023;29(3):174.e1-174.e10. doi:10.1016/j.jtct.2022.11.029
  9. DiPersio JF, et al. Blood. 2009; 113(23):5720-6.
  10. Shaughnessy P, et al. Biol Blood Marrow Transplant, 2013;19(9)1301-1309. doi:10.1016/j.bbmt.2013.05.008
©BioLineRx USA, Inc. 2023. All rights reserved.

US-CORP-2300038 (v1.0) 03/2024

Experts say viewing your car as an investment can improve your finances

2024-03-07T11:01:00

(BPT) – In these inflationary times, the cost of owning a car seems to increase on a daily basis. The price of buying a car is growing, and so is the cost of operating one. We all want personal transportation and the joy of car ownership, but the statistics are challenging.

Simply purchasing a car is more costly than ever. The prices of new and used vehicles skyrocketed in the aftermath of the COVID-19 pandemic. According to J.D. Power, new-vehicle transaction prices shot up 13% in 2021 and then surged up another 13% in 2022. The increases moderated a bit last year, but prices haven’t fallen.

The prices of used vehicles have escalated even more rapidly over the last several years as consumers who couldn’t find an affordable new car have turned to the used car market. Again, the prices have moderated in 2023, but used vehicle prices are up at least 20% versus their level in 2021.

At the same time, the cost of maintenance and replacement parts has also zoomed up. So has the hourly rate of auto repair labor. Though fuel prices have dropped from their all-time high of a couple of years ago, they are still inflated versus their level when the decade began.

The economic news regarding transportation costs is challenging. Still, the auto experts at Mercury Insurance have a suggestion that could change the way you look at these costs. The suggestion is to treat your vehicle as an investment, not an expense.

“Many personal finance experts define automobiles as expense items,” said Justin Yoshizawa, director, Product Management State. “While that is generally true, viewing your vehicle as a long-term asset just might change the way you purchase and maintain your cars. And it will probably save you money.”

Viewing your vehicle as a long-term asset implies that you will purchase it differently, finance it differently and maintain it differently. Rather than seeing your vehicle as a piece of equipment that needs to be replaced frequently, like a cellphone, for example, it may be smarter to treat your car as a long-term asset that you can feel comfortable owning and driving for years, which could save you thousands of dollars.

Mercury offers these suggestions for viewing your car as an investment:

  • Buy the right car. Choose a vehicle appropriate for your long-term needs with the expectation that you will drive it for the next 10 years. With that in mind, the car you purchase should offer a low cost to own based on good dependability and reliability, low maintenance and repair costs, good fuel economy, and low cost to insure. (Mercury Insurance offers advice on the least expensive sedans, trucks and SUVs, and electric vehicles to insure)
  • Consider a used vehicle. Smart shoppers will find that two- to three-year-old used cars, trucks, SUVs and vans are much less expensive to purchase than the equivalent new vehicles. The savings could easily reach $10,000 or more for a premium-brand SUV. Buyers who might be afraid of “getting a lemon” when they buy a used car should consider certified pre-owned (CPO) vehicles. These vehicles are hand-picked and meticulously inspected prior to being sold, and they are backed with a warranty very similar to a new-car warranty.
  • Finance responsibly. The absolute best financing is buying the vehicle with cash. When you do that, you immediately acquire complete ownership of the asset (the car), and you never face financing expenses or monthly car payments. In this era of high interest rates, that is a giant advantage. If you can’t purchase an appropriate car with cash and you need a car immediately, then borrow as little money as possible for as short a term as possible. This will save you hundreds of dollars in interest payments versus the typical car loan that is now stretching toward six years in length.
  • Keep the vehicle. The key to gaining financial advantage from viewing your car as an asset is owning it for a long period of time. While the average car on the road today is over 11 years old, typically, cars that age have had several owners. Instead, your goal should be to maintain your vehicle so it is useful to you for at least a decade. This implies preventative maintenance and, yes, some repairs over time. But while repairing a vehicle is more expensive than it used to be, it is still far cheaper than replacing the vehicle with a new car, truck or SUV.

“The days when new vehicles would rust out and wear out in just a few years are over,” Yoshizawa said. “Today’s new and late-model used vehicles have long, useful lives ahead of them. Buying the right vehicle and continuing to maintain and repair it as needed is the best way to assure yourself the lowest personal transportation costs.”

8 tax tips to help you get fiscally fit

2024-03-06T08:01:01

(BPT) – On the heels of your 2024 New Year’s resolution and with tax season kicking off, it is the perfect time to focus on your fiscal fitness! According to CNBC 62% of Americans are living paycheck to paycheck. Creating small money changes and smart financial habits can help them kick-start their financial progress.

So if you are one of the many Americans who avoid thinking about their financial situation until tax season hits, check out these eight tips for taking advantage of the hidden opportunities this season offers.

Determine if you need help from a pro. Even if you think your taxes are as straightforward as they come, consider finding a tax expert to take a look. Today, there is so much information available online that it can feel overwhelming to do your taxes and ensure they are done correctly. There are many skilled, experienced tax professionals out there, so don’t be afraid to get a second set of eyes on your taxes.

Don’t forget about those deductions and credits. Do you have any student loans that you are working to pay off? If so, now is the time to claim a student loan interest deduction. Did you make a charitable donation this year? Or start working for yourself? Make sure you’re getting all the deductions and credits you have a right to claim.

Staying organized will help you in the long run. Get yourself a filing folder and keep any tax-related paperwork in there. From your W2 to any write-off-related receipts, stash the appropriate documents and save them until you are ready to tackle your taxes.

File on time. This will eliminate any late filing penalties and fees. Many people don’t realize that the IRS can charge interest on owed payments, so get ahead and avoid those charges! If you think you’ll need more time to pay, you can request a tax extension using Form 4868.

Talk with the IRS. If you owe money this year, be realistic about what you need to do to take care of that. Promptly reach out to the IRS and set up a payment plan that works for your budget. This way, you’re not forking over a big chunk of change all at once, maybe at the expense of paying other bills or contributing to savings.

Plan to save at least part of your refund. If you’re getting a refund, that’s awesome! You may be tempted to treat yourself a little. Go ahead, you’ve earned it. But plan on saving part of that windfall, say 25%. Consider it an opportunity to supplement your emergency fund, or tackle some credit card debt that has been weighing you down.

Sign up for direct deposit of your refund. With a banking app like Chime, you may get your federal tax refund up to six days early1 with direct deposit. The process is easy. You’ll need to open a Chime Checking Account, and simply add the account and routing numbers on the tax forms when you file, indicating direct deposit, and Chime will alert you when it’s there. Chime members can get their paychecks up to two days early2 with direct deposit, accounts with no monthly fees or minimum balance requirements, fee-free overdrafts up to $2003, a Secured Chime Credit Builder Visa® Credit Card4, and more. These services have led Chime to be the #1 most loved banking app5.

Know your tax terms. The first step in making the most of your taxes is knowing the language. Some of the most commonly used and confusing terms include:

  • Above-the-line deduction, which allows you to decrease the amount of taxes you owe. Student loan interest, health savings account (HSA) contributions and tuition all qualify.
  • Adjusted gross income is your total annual income, including wages, tips, interest, dividends and capital gains, minus deductions.
  • Earned income tax credit is a refundable tax credit designed for low-to-moderate earners. Your income needs to be less than $63,398 to qualify.

Making progress on your financial goals can feel daunting, but this is a marathon, not a sprint. Habits over time will help you make progress, and a great way to start is to minimize your tax burden and maximize your return this tax season.


Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank.

This guide is for informational purposes only. Chime does not provide financial, legal, or tax advice. You should check with your legal, financial, or tax advisor for advice specific to your situation. Your state or local unemployment agency is responsible for making all determinations on your eligibility for unemployment benefits. Please contact your state or local unemployment agency if you have questions.

1 Chime does not guarantee timing of refund. Six day refund estimate is based on 2022 tax year filing data. Refund timing estimates are dependent upon timing of complete tax return submission and other requirements.

2 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

3 SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your physical Chime Visa® Debit Card or secured Chime Credit Builder Visa® Credit Card.

Qualifying members will be allowed to overdraw their Chime Checking Account up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions and fees associated with OTC cash withdrawals. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.

4 To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

5 #1 Most Loved Banking App Source: Chime received the highest 2023 Qualtrics® NPS score.

3 last-minute tax filing tips for small business owners

2024-03-06T17:01:00

(BPT) – While tax filing can often be tedious and complicated as a salaried employee, the process can be even more difficult as an entrepreneur or small business owner. From getting all of the paperwork in order, to ensuring books are up to date, to knowing what to file for … It’s no wonder why many understandably procrastinate starting the process of filing to avoid the headache for as long as possible. As we near the deadline for many LLCs and LLPs to file their taxes on March 15, there are a number of ways business owners who have not filed yet can manage the final stretch.

Maximize your deductions

Making the most of the deductions available to you and your business can put more money in your pocket. This can include expenses related to business operations, like home office supplies, equipment purchases, rent, employee wages, and more. You’ll want to have these expenses reflected on your income statement, which will lower your income taxes. Ideally, you should be tracking these expenses throughout the year, so they’re easily pulled into your filing. If you haven’t done this, make sure to make a note to start doing it now to get ahead next year.

Tap the tools at your disposal

Thirty-seven percent of small businesses report that they struggle with feelings of anxiety and confusion about how to file taxes — one way to reduce this stress is finding tools that can streamline your experience. With so many nuances and rules that apply to small businesses, tapping a resource that can guide you through filing with confidence can be a huge relief. TurboTax Live Business is an easy-to-use solution that uncomplicates the tax process for small business owners filing as an S-corp, partnership, LLC, or sole proprietorship. The two tracks offered through the platform, Assisted or Full Service, provide options for those that need a guided experience with live tax expert support, or would like to simply hand everything off to an expert. Leveraging solutions like this can ease the tensions around tax time and instill trust that you filed accurately. TurboTax offers a 100% accuracy guarantee and audit protection to its Small Business customers.

If you need an extension, file now

After all is said and done, if you’re finding yourself needing more time to get your books together and ready, an extension can be filed. Take a look at the IRS website for more details on how to file for an extension ahead of the March 15 deadline. Solutions like TurboTax Live Business can support your extension filing, either on your own or with the support of an expert, at no cost to you. Take caution, though, if the March 15 deadline is missed, no extensions can be filed and you’ll be subject to a hefty monthly penalty from the IRS until you file.

Don’t let tax time feel daunting. With the right knowledge, tools, and organization, this stressful experience has a light at the end of the tunnel. To learn more about TurboTax Live Business offerings, see here.

How to create an Insta-worthy outdoor living space

2024-03-06T12:51:00

(BPT) – Social media has changed the ways people engage with content and seek inspiration. Thanks to ever-evolving technology and algorithms, you have the ability to find new ideas instantly.

Need a new recipe? Find and follow a chef or home cook on TikTok or Instagram. In a reading rut? Explore reviewers who can share book recommendations for your next read. You can even discover new ways to transform your yard this spring on your social media feeds.

It may seem odd to consider that people use the digital landscape to help them revamp their outdoor living space, but according to a new survey by TruGreen, 40% of Americans do just that.

Are you ready to create an Insta-worthy outdoor space? Check out these three tips to inspire your yard renovation.

1. Return to timeless appeal

Trends may come and go, but you can’t beat the timeless appeal of a healthy landscape. According to the survey, 89% of Americans emphasize the pivotal role of a healthy lawn in that landscape. Without this foundation, you can’t build an attractive outdoor space.

Focusing on the basics is the key to outdoor charm. Over half of Americans say flowers are the quintessential element for creating a visually pleasing outdoor space, closely followed by healthy plants and shrubbery.

2. Talk to the pros when challenges arise

While more Americans are interested in creating beautiful, healthy outdoor spaces, many are not versed in the challenges of landscape upkeep. For example, Americans are most stumped by how to get rid of weeds, followed by a quest for the perfect plant and the proper lawn care schedule.

If you find yourself overwhelmed, it’s best to consult with a company like TruGreen, the nation’s leading lawn care treatment provider, to help you beautify your outdoor spaces without guesswork.

3. Spend more time outdoors

Longing for beautiful, maintained outdoor spaces, over half of Americans are willing to invest more time outdoors. Not sure what you’re looking for? TruGreen recommends that you:

  • Take stock of your yard. Scan your greenery and consider incorporating plants and trees that complement your home’s size. For two-story homes, trees and tall bushes are a good choice, while one-story homes can focus on keeping plants trimmed and compact for a positive visual appeal.
  • Imagine where you’d like to add furniture. Incorporating elements like Adirondack chairs, small outdoor bed swings or teak wood outdoor sectionals can create a refreshing and relaxing feel.
  • Assess your lawn. As the canvas of your outdoor space, a dreamy, green lawn demands meticulous care. Neglecting lawn maintenance can lead to unsightly issues, including brown patches, rampant weeds and insect damage. To ensure your lawn remains a dreamy oasis, engaging with a professional service like TruGreen can be invaluable in maintaining its health and saving valuable time.

With expert counsel and a proper maintenance routine, homeowners can achieve an outdoor space they love that’s worthy of showing off on their social media feeds. To learn more and find pros that can help maintain your outdoor living space, visit TruGreen.com.

Produce prescriptions hold potential to change consumer, community health

2024-03-06T13:31:00

(BPT) – “Let food be thy medicine and medicine be thy food.”

“An apple a day keeps the doctor away.”

Whether a quote often attributed to Greek physician Hippocrates or a rhyme many of us learned in our youth, the connection between the foods we eat and their effects on our physical health has always been generally understood but not necessarily followed.

In recent years, this disconnect has resulted in dramatically increased rates of diet-related diseases, including obesity and diabetes. Driving both conditions is poor diet, which annually contributed to more than 14.1 million cases of type 2 diabetes alone.

Since the pandemic, researchers have found Americans’ physical and mental health has fallen, with more individuals reporting diabetes diagnoses, less healthy eating, and other health problems. Roughly two-thirds of Americans are currently overweight or obese.

These diseases burden our healthcare system, where 8 out of 10 healthcare dollars are spent on chronic, preventable diseases.

In response to these epidemics of diet-related disease, interventions like produce prescriptions, or Produce Rx, have been introduced to some health care providers and the communities they serve.

People who care about their health have wanted to know — what is a produce prescription?

A patient gets an actual prescription from their doctor for a fruit and vegetable benefit on a card or voucher that can be redeemed at a participating grocery store. This benefit is typically refillable monthly and is covered by health insurance at no or low cost to the patient. Currently there are 250 produce prescription programs operating in 38 states.

More than 150 million Americans are covered by federal insurance programs and if embedded as a covered benefit into the federal health system, produce prescriptions could reach millions of eligible Americans.

While some critics say produce prescriptions are merely a passing trend, data exists that show Produce Rx is both economically feasible and effective, as well as much more natural than a traditional prescription from a doctor.

Tufts University found produce prescriptions for 40- to 79-year-olds facing diabetes could prevent 296,000 cases of cardiovascular disease over their lifetimes.

Another study found that produce prescription program participants consumed more fruits and vegetables and reduced food insecurity. They also self-reported health status among both adults and children and found the program resulted in a wide array of improvements across several metabolic health markers, boosting long-term health.

From a community perspective, a nonprofit in North Carolina took a $500,000 produce prescription grant and turned it into $8 million in redemption of fruits and vegetables in a little over a year. Lower-income consumers in the impacted market are now doubling their spend on fruits and vegetables.

The International Fresh Produce Association, a global organization leading the fresh fruit and vegetable industry, is working to scale produce prescriptions on several fronts.

As part of IFPA’s work to support the U.S. National Strategy on Hunger, Nutrition, and Health, the association developed a video distributed to medical schools and more than 5 million student/medical professionals worldwide to help them understand how they can prescribe fruits and vegetables to their patients (in addition to any medications needed) to manage symptoms of chronic disease.

Produce prescription programs hold great promise to help more consumers eat more fresh fruits and vegetables to optimize their health and enjoy lives filled with vitality and vibrancy.