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Military families’ financial challenges are unique. Here are tips to help.

2023-12-20T05:01:00

(BPT) – Any family can experience financial hurdles, but military families may face unique challenges that set them apart from their civilian counterparts. From being remotely stationed with limited access to good paying jobs and childcare, to frequent moves that can make establishing consistent savings habits hard, military families’ everyday realities can make financial security difficult in both the near and long-term.

Veteran Jeff Felton, a former Air Force Officer and Investment Advisory Representative at Prudential Financial, understands personally the financial hurdles military families can face. When he was exiting military service and deciding on a civilian career, Felton says he saw becoming a financial advisor as an opportunity to help himself and others gain financial confidence.

To help military families build financial habits today that will aid in securing their future, Felton offers the following tips.

1. Develop a savings habit, no matter how much

A common piece of financial advice is to save 10%-30% of your paycheck, but for families on a tight or single-earner budget, that may not be feasible. Felton says that shouldn’t be discouraging and suggests developing a simple savings habit. After ensuring family necessities are covered, set aside as much as you can each paycheck to begin building an emergency fund. The bigger the fund, the better (3 to 6 months’ worth of expenses is ideal), but any amount can serve as a buffer against borrowing or going into debt when unplanned events, such as an emergency car repair or appliance replacement, happen.

2. Start saving for retirement today and be flexible

“If you haven’t already, it’s critical that you start saving now,” says Felton. Working military spouses can have funds moved to a retirement account via payroll deduction and check to see if their employer offers a matching contribution benefit. Aim to have 10% of your salary allocated to your retirement savings account. If that’s not immediately possible for your family, start small and increase your contribution as you receive pay raises.

After 20 years of service, members of the military may be able to switch to a more self-directed savings plan, such as a Thrift Savings Plan (TSP), a retirement savings and investment account for federal employees and uniformed service members. The plan offers a mutual fund option that allows participants greater investment flexibility.

3. Develop post-service skills

Plan for a future after the military by developing post-service skills for jobs with higher salaries. “The military provides many transferable skills to help you join the civilian workforce, and you can hone those skills and develop new ones by taking advantage of military educational resources such as Community College of the Air Force or American Military University,” says Felton.

To assist in covering the costs of higher education, GI Bill benefits can help military members pay for college, graduate school and training programs. Military spouses and children may also qualify for credits that can help offset training or higher education costs.

A resource for military families

Families can tap into programs for financial education and other money-smart resources. For example, Prudential Financial has partnered with Twelve Million Plus, a digital community from the company Instant Teams Marketplace, which provides a host of curated and local resources for the more than 12 million spouses of active and retired U.S. military members.

Through the partnership, Twelve Million Plus members have access to a range of resources to aid in improving their financial well-being, including the ability to connect online with an advisor and access to Prudential Stages for Retirement, the company’s online planning platform that helps people navigate more confidently through pivotal life stages.

Launched in January 2023, Prudential Stages for Retirement is a free tool that helps individuals benchmark their retirement readiness using a personalized retirement confidence score and provides access to tools that track how certain actions, like changing goals or their target retirement date, can affect their score. Twelve Million Plus members will also have access to Prudential’s financial education through online articles and videos as well as live seminars on different topics.

“Today, there are a lot more ways for military families to connect to financial tools and professional advice,” says Felton. “This partnership offers those resources in a supportive online community with people who understand each other’s challenges.”

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How to wow with festive walnut delights this holiday season

2023-12-19T13:31:00

(BPT) – Do you have favorite recipes or family traditions that you enjoy during the holiday season? Whether it’s toasting warm drinks, savoring satisfying sweet breads or baking delicious desserts, there’s a good chance some of those traditions feature California walnuts.

A powerhouse of important nutrients and highly versatile, walnuts are the perfect ingredient to add an extra touch of holiday cheer to your culinary creations — from appetizers to main courses, and everything in between. Walnuts are an appealing and adaptable ingredient, and their versatility can make them the unsung holiday hero of the kitchen.

Walnuts are well known for their buttery richness and pleasing texture, elevating many traditional dishes and baked goods that you enjoy during the holiday season. Add a bag of walnuts to your holiday shopping list and unlock endless possibilities to incorporate them into seasonal dishes, allowing you to experiment with a variety of scrumptious flavors.

Festive walnut recipe inspiration

Looking for something new to try that features some classic cool-season flavors? In partnership with California Walnuts, this recipe from Ambitious Kitchen features walnuts, warm spices and sweet butternut squash in a loaf that is ideal for the chillier months. Topped with a decadent walnut streusel, this treat will become a favorite for all ages. Enjoy it for brunch, as a snack, or while entertaining guests throughout the holiday season.

Maple Walnut Butternut Squash Bread with Cinnamon Walnut Streusel

Ingredients

For the butternut squash:

1 small to medium butternut squash
1 tablespoon extra-virgin olive oil or melted butter
1 tablespoon packed brown sugar or coconut sugar
1/2 teaspoon cinnamon

Wet ingredients:

1/2 cup salted butter
1/2 cup pure maple syrup
2 large eggs, at room temperature
1/4 cup whole milk or plain Greek yogurt
2 teaspoons vanilla extract

Dry ingredients:

1 cup all purpose flour or white whole wheat flour
3/4 cup oat flour
1 teaspoon baking powder
1/2 teaspoon baking soda
2 teaspoons cinnamon
1/2 teaspoon nutmeg
1/2 teaspoon ground ginger
1/2 teaspoon allspice
1/2 teaspoon kosher salt

Mix-ins:

1/3 cup chopped walnuts

For the streusel:

1/2 cup all purpose flour
1/4 cup chopped walnut pieces
1/4 cup packed dark brown sugar
1/2 teaspoon cinnamon
1/8 teaspoon kosher salt
3 tablespoons salted butter, melted

Instructions

Step 1. Preheat the oven to 400 F. Line a large baking sheet with parchment paper and set aside.

Step 2. Prep the butternut squash: Use a sharp knife to cut both ends off the butternut squash. You’ll cut about 1/2 inch off each end so that there is no stem or root. You’ll be left with butternut squash that is flat on both sides so that it’s easier to prop up. Next, place the butternut squash upright or vertically with the larger side down on a wooden cutting board that’s very secured to your counter. Cut the butternut squash vertically down the middle with a sharp chef’s knife. Then use a spoon to scoop out the seed of the cut butternut squash. Set aside to roast for later or discard them.

Step 3. Roast the squash: Place the squash on the prepared baking sheet. Drizzle with olive oil then sprinkle with cinnamon and brown sugar and rub into the squash. Flip the squash over so that it’s skin side up and roast for 45 minutes to 1 hour until squash is very fork tender. Allow squash to cool for at least 10 minutes before handling.

Step 4. Reduce temperature in the oven to 350 F. Line an 8-1/2 by 4-1/2 inch loaf pan with parchment paper and grease with nonstick cooking spray. Set aside.

Step 5. Make your streusel topping while squash cooks or while it is cooling: In a medium bowl, mix together the flour, walnuts, brown sugar, cinnamon and salt. Add in the melted butter and stir together with a fork until it begins to form into crumbles and resembles clumps of wet sand. You may need to use your hands/fingers to form into nice thick crumbs. Cover the bowl with plastic wrap and place in the fridge until ready to use.

Step 6. Brown your butter: Place a medium pan over medium heat and add in 1/2 cup butter. The butter will begin to melt, crackle and then eventually foam. Make sure you stir constantly during this process. After about 5 minutes, the butter will begin to brown and turn a nice golden amber color on the bottom of the saucepan; this usually happens right when it foams. Continue to whisk and remove from heat as soon as the butter begins to brown and give off a nutty aroma. Set aside until cool enough to touch, about 5 to 10 minutes.

Step 7. Mix wet ingredients: Scoop about half of the cooled roasted butternut squash out onto a plate or into a large bowl and mash it with a fork (reserve the other half of squash for enjoying or freeze in an ice cream tray and mix into smoothies later). This should measure about 1 heaping cup mashed butternut squash. In the same bowl with the mashed butternut squash, add the pure maple syrup, eggs, yogurt and vanilla extract. Whisk together until smooth and well combined.

Step 8. Add in the dry ingredients to the wet ingredients: flour, oat flour, baking powder, baking soda, cinnamon, nutmeg, ginger, allspice and salt. Mix until just combined, then add in the cooled brown butter and stir again until butter is well-incorporated into the batter. Finally, gently fold the walnuts into the batter.

Step 9. Pour batter into the prepared loaf pan and smooth the top. Sprinkle the streusel evenly over the top of the batter.

Step 10. Bake the bread for 50-65 minutes or until the tester comes out clean. Allow bread to cool for at least an hour before removing from the pan and slicing into. Consider serving with honey butter or butter and sea salt.

Have leftover walnuts?

For optimal freshness, keep California walnuts in an air-tight container in the fridge or freezer instead of the pantry. The deli drawer right next to your cheese is a great option. Then they are fresh and ready for your next snack, charcuterie board or recipe.

For even more holiday inspiration with California walnuts, visit Walnuts.org. You can easily sort by course, dietary consideration, main ingredient, cooking method and more to find the right recipe to tantalize your taste buds. Enjoy all the flavors of the season using your favorite ingredients!

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Down, the Material that’s 97% More Eco-Friendly

2023-12-19T15:57:00

(BPT) – Down fill material has been around for hundreds of years, providing us warmth and comfort. It is the gold standard for premium insulation among many outdoor enthusiasts and outerwear shoppers.

Now, there’s more reason than ever for down to hold this top position. According to a Life Cycle Assessment (LCA), down material is up to 97% more eco-friendly than polyester fill. Three new videos released by the International Down and Feather Bureau (IDFB) based on the LCA, highlight the key elements of down’s environmental superiority.

Understanding the life cycle of a product

To understand the vast differences of environmental impact between polyester fill and down, it’s necessary to look at the origins of each material.

Long Trail Sustainability, an independent third-party firm specializing in LCAs and sustainability reports, was commissioned by IDFB to conduct this research to systematically study the potential environmental impacts of both products. They assessed the raw materials and manufacturing processes required by each, and the results were unequivocal — down fill material has an 85%–97% lower impact on the environment across five categories: human health, ecosystems, resources, cumulative energy demand and climate change.

Why is down environmentally superior?

Down is a natural byproduct from the food and agriculture industry. Polyester fill, on the other hand, starts with the extraction of crude oil, proceeds to refinement, then polymerization and finally extrusion. This involved process means polyester burns through far more energy and resources during its production, leading to a climate change impact that’s 18 times higher than down.

Then there’s biodegradability to consider. Polyester, as an oil-based plastic, simply doesn’t break down like natural fibers. It remains in landfills for decades or even centuries, frequently leeching harmful substances into the groundwater. As a result, polyester leaves an immeasurable scar on the planet. Meanwhile, down is about as biodegradable as a material gets. It can decompose in just a few months under the right composting conditions. Better still, because down is composed entirely of the protein keratin, it doesn’t release harmful byproducts during the decomposition process.

Down feels good, is good

Let’s take a down jacket, for example. Its warmth, lightness and compressibility have made it a tried-and-true companion for cold-weather adventurers for generations. It’s kept countless outdoor enthusiasts safe and warm while they explore the most amazing sights this world has to offer.

With the newly released videos and additional resources that can be found here, down’s eco-friendly qualities are taking center stage along with the comfort, durability and warmth which remain among the top reasons consumers choose down products.

Now, in a stroke of poetic symmetry, down’s relationship with people and the environment is coming full circle. By choosing down over polyester, consumers can feel good knowing that what is keeping them warm is also helping to sustain the natural beauty of this world for generations to come. That’s a whole new level of comfort to get wrapped up in.

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BHMA Certified Products Directory (CPD)

2023-12-19T08:01:00

(BPT) – A free, up-to-date listing of 17,000+ products certified to meet ANSI/BHMA Standards, the BHMA Certified® Products Directory (CPD) is a resource for anyone from manufacturers to homeowners who need to make decisions on hardware. Read on to learn more about this valuable tool.

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5 tips to create a spa-inspired shower

2023-12-19T09:01:01

(BPT) – Today’s homeowner wants their bathroom to be a sanctuary for relaxation and self-care, so it’s no wonder that the bathroom redo has become one of the most popular renovation projects. A recent survey from Houzz showed that one in five homeowners (22%) enlarge the primary or en suite bathroom during a renovation. And with the extra space, more than three in five homeowners (61%) increase the size of their shower. Transforming your bathroom into a spa-inspired retreat will not only impact your overall well-being and comfort but can also boost the value of your home.

The design team at Wilsonart, an industry leader in engineered surfaces, offers these five tips to consider when expanding and enhancing your shower space:

1. Set a realistic budget

Enlarging the size of your shower space is an investment. Prior to getting started, set a realistic budget that includes not only the construction costs but also the cost of materials such as the shower surround surface, fixtures, floor tiles and other design elements. It’s also smart to have a contingency fund ready for unforeseen expenses that are sure to pop up along the way. And don’t underestimate the power of DIY when it comes to cost-efficiency. If you are handy with tools and willing to learn, there may be certain aspects of a bathroom renovation that you can tackle yourself. Taking on tasks like painting or even assembling fixtures can significantly reduce labor expenses.

2. Choose the right materials

Selecting the right materials is key for both functionality and style. For shower surrounds, select a surface with style that will stand the test of time and fit your lifestyle needs. An on-trend option like the Wetwall™ Waterproof Wall Panel System makes it easy to transform bathrooms and create spa-worthy retreats that deliver high-end designs without disruptive demolitions. Ideal for shower walls, bath surrounds, accent walls and cladding, the easy-to-clean, grout-free system features tongue-and-groove panels that can be installed in as little as 2.5 hours and do not require special tools. The system is simple to maintain and features a patented, waterproof core that offers antimicrobial protection that inhibits the growth of stain- and odor-causing mold and mildew. Inspired by the beauty of nature, the two latest designs to join the collection, Tuscany Marble and Darlington Cherry, can add a high-impact, bold statement to any bathroom, without breaking your budget.

3. Invest in quality fixtures and features

Give your new shower space the quality fixtures and features it deserves. Adding simple luxuries like a rainfall shower head or built-in shower seat will help turn any bathroom into a sanctuary. Today’s on-trend fixture finishes include matte black, aged bronze and brass, all of which are sure to add a touch of elegance while perfectly complementing your surface selections. While investing in high-quality bathroom accessories may add to your renovation’s bottom line, it can actually save you money in the long run since cheaper fixtures tend to be more prone to breaking or wearing out.

4. Maximize natural light

Incorporating natural light into the bathroom can help enhance the room’s overall aesthetic and make the space feel larger. Consider adding a window or a skylight strategically placed to maintain privacy, while allowing natural light to enter the room. This extra light can enhance your mood while also saving money on electricity bills.

5. Incorporate smart storage solutions

Having an organized shower can help streamline your morning routine while maintaining the visual appeal of the bathroom. Incorporating built-in storage niches helps create an elevated design aesthetic and optimizes convenience. The Wilsonart® Bath and Shower Accessories Niche collection is compatible with the Wetwall system and features sleek and functional recessed shelving for holding shampoo, soap and other shower accessories. Not only do these built-in bathroom storage ideas maximize square footage, but they also make a strong design statement.

Transforming your shower can take your entire bathroom to the next level and create a tranquil place to start and end your day.

For more bath inspiration and information, visit https://www.wetwall.com/.

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The Difference Cancer Screening Can Make

2023-12-19T06:01:00

(BPT) – When her husband of 30 years was diagnosed with cancer, Cindy wanted to learn as much as she could about new approaches to cancer screenings and care. During his treatments, Cindy spent time researching and decided to be proactive to take care of her health for her family. As a Cuban American, family means everything to Cindy, who has three children and two grandchildren.

There are currently only five recommended cancer screenings in the United States, including mammograms and colonoscopies.[1] Cancers without widespread screening recommendations represent 71% of all cancer diagnoses in the U.S. among individuals aged 50-79.[2] While early detection has been proven to significantly improve cancer survival rates and reduce the cost and complexity of cancer treatment,[3,4] most cancers are detected too late.

“After my husband’s treatment, I wanted to be proactive, so we went to the doctor. And while we were there, he mentioned to us about the Galleri test. Even though I felt fine, my husband said ‘just do the test.’”

During her appointment Cindy’s doctor ordered the Galleri® test which screens for a signal shared by multiple types of cancers through a single blood draw and can detect this signal even before symptoms appear. If a cancer signal is detected, the test can predict the tissue type or organ associated with the cancer signal with high accuracy to help guide diagnostic evaluation.

Early Detection is Key

Cindy was surprised when she received a cancer signal detected result since she had no symptoms. She saw a hematologist for diagnostic evaluation, and it was confirmed, via biopsy, that she had lymphoma. Lymphoma, a group of blood cancers that develops in the lymphatic system, is often aggressive and not detected until advanced stages.[5]

“I went to a hematologist, and he told me that I was one of the earliest stage patients that he’s treated,” recalled Cindy. “It’s very rare to catch this type of cancer in the beginning, because there often aren’t any symptoms.”

“I’m so happy that I’m able to still be with my family, still be strong, still be able to be around for my grandkids,” said Cindy.

Spreading the Word

After navigating their cancer journeys, Cindy and her husband want to help educate others on the importance of proactively taking care of your health, especially for those with increased risk of cancer.

“You know, this whole journey, it’s not about us, it’s about sharing this with others, so that others can benefit from it,” Cindy’s husband emphasized.

Learn More

The Galleri test must be prescribed by a healthcare provider and should be used in addition to recommended cancer screenings such as mammography, colonoscopy, prostate ­specific antigen (PSA) test and/or cervical cancer screening. It is intended for use in adults with an elevated risk for cancer, such as those aged 50 or older.

The Galleri test does not detect a signal for all cancers, and not all cancers can be detected in the blood. False-positive and false-negative results do occur.

Based on a clinical study of people ages 50 to 79, around 1% are expected to receive a Cancer Signal Detected result, which includes predicted Cancer Signal Origin(s). After diagnostic evaluation, around 40% of people are expected to have a confirmed cancer diagnosis. The overall sensitivity in study participants with lymphoma cancer was 56.3% (27.3% for Stage I, 58.3% for Stage II, 71.7% for Stage III and 60.9% for Stage IV).

Learn more at Galleri.com.

Important Safety Information

The Galleri test is recommended for use in adults with an elevated risk for cancer, such as those aged 50 or older. The Galleri test does not detect all cancers and should be used in addition to routine cancer screening tests recommended by a healthcare provider. Galleri is intended to detect cancer signals and predict where in the body the cancer signal is located. Use of Galleri is not recommended in individuals who are pregnant, 21 years old or younger, or undergoing active cancer treatment.

Results should be interpreted by a healthcare provider in the context of medical history, clinical signs and symptoms. A test result of “Cancer Signal Not Detected” does not rule out cancer. A test result of “Cancer Signal Detected” requires confirmatory diagnostic evaluation by medically established procedures (e.g., imaging) to confirm cancer.

If cancer is not confirmed with further testing, it could mean that cancer is not present or testing was insufficient to detect cancer, including due to the cancer being located in a different part of the body. False-­positive (a cancer signal detected when cancer is not present) and false-­negative (a cancer signal not detected when cancer is present) test results do occur. Rx only.

Laboratory/Test Information

GRAIL’s clinical laboratory is certified under the Clinical Laboratory Improvement Amendments of 1988 (CLIA) and accredited by the College of American Pathologists. The Galleri test was developed, and its performance characteristics were determined by GRAIL. The Galleri test has not been cleared or approved by the U.S. Food and Drug Administration. GRAIL’s clinical laboratory is regulated under CLIA to perform high ­complexity testing. The Galleri test is intended for clinical purposes.

_________________________

[1] US Preventive Services Task Force (USPSTF) recommended cancer screening tests, Grade A,B,C. cestaskforce.org/uspstf/topic_search_results.

[2] SEER Stat Database: Incidence -SEER 18 Regs Research Data, Nov 2017 Sub. Includes persons aged 50+ diagnosed 2006-2015. GRAIL, LLC. Data on File GA-2021-0065.

[3] Siegel RL, Miller KD, Wagle NS, Jemal A. Cancer statistics, 2023. CA Cancer J Clin. 2023 Jan;73(1):17-48. doi: 10.3322/caac.21763.

[4] Reddy SR, Broder MS, Chang E, et al. Cost of cancer management by stage at diagnosis among Medicare beneficiaries. Curr Med Res Opin. 2022;38(8):1285-1294. doi: 10.1080/03007995.2022.204 7536.

[5] National Cancer Institute. Cancer Types: Lymphoma. https://www.cancer.gov/types/lymphoma.

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90% of People with Chronic Kidney Disease Don’t Know They Have It. Do You Know the Risk Factors?

2023-12-19T12:35:00

(BPT) – Chronic kidney disease, or CKD, is a serious condition that impacts more than 35 million adults in the U.S. – that’s more than one in seven adults. But 90% are unaware that they have it, as most people with kidney disease do not have symptoms until their disease is advanced, at which point irreversible kidney damage may have occurred.

“The reality is that one in three adults in the U.S. is at risk for CKD – making early testing, diagnosis and treatment important to long-term kidney health,” said Dr. Katherine Tuttle, M.D., Executive Director for Research, Providence Inland Northwest Health, Regional Principal investigator for the Institute of Translational Health Sciences and Professor of Medicine at the University of Washington. “With treatment, it’s possible to slow CKD progression and help reduce the risk of complications.”

For those who could be at risk for CKD, Dr. Tuttle shares the following quick facts and tips about the disease, the importance of testing and treatment.

CKD can have a serious impact that reaches far beyond the kidneys.

“CKD is one of a group of diseases that affect the heart, kidneys and pancreas. When one organ is affected, it can negatively impact the others,” says Dr. Tuttle. “The kidneys play a crucial role in the body and contribute to the function of other vital organs and systems. When someone has CKD, their risk for serious complications, like heart failure, increases significantly.”

There are two tests that – when used together – can help detect kidney disease.

Your doctor may perform two tests, a blood test and a urine test:

  • eGFR (Estimated Glomerular Filtration Rate): Measures how well the kidneys are filtering blood.
  • UACR (Urine Albumin-to-Creatinine Ratio): Determines whether there is too much albumin (a type of protein found in the blood) in the urine. Increased albumin in the urine, known as albuminuria, is a marker of kidney damage that increases the risk of kidney disease progression.

Both the eGFR and UACR tests are used to determine the stage of kidney disease and monitor kidney disease progression.

“CKD remains a widely underrecognized public health problem. Knowing the risk factors and talking to your healthcare provider about testing can help,” says Dr. Tuttle. “We have tools to diagnose and treat CKD in people with and without diabetes, so taking action to get tested and start treatment if needed is important for kidney health.”

In September 2023, the U.S. Food and Drug Administration approved Jardiance® (empagliflozin) 10 mg tablets to reduce the risk of further worsening of kidney disease, end-stage kidney disease (ESKD), death due to cardiovascular disease and hospitalization in adults with CKD. To learn more about Jardiance as a treatment option for CKD, visit Jardiance.com.

What is JARDIANCE?

JARDIANCE is a prescription medicine used to:

  • reduce the risk of cardiovascular death and hospitalization for heart failure in adults with heart failure, when the heart cannot pump enough blood to the rest of your body
  • reduce the risk of further worsening of kidney disease, end-stage kidney disease (ESKD), death due to cardiovascular disease, and hospitalization in adults with chronic kidney disease
  • reduce the risk of cardiovascular death in adults with type 2 diabetes who also have known cardiovascular disease
  • lower blood sugar along with diet and exercise in adults and children who are 10 years of age and older with type 2 diabetes

JARDIANCE is not for use to lower blood sugar in people with type 1 diabetes. It may increase their risk of diabetic ketoacidosis (increased ketones in the blood or urine).

JARDIANCE is not for use to lower blood sugar in people with type 2 diabetes who have severe kidney problems, because it may not work.

JARDIANCE is not for people with polycystic kidney disease, or who are taking or have recently received certain types of immunosuppressive therapy to treat kidney disease. JARDIANCE is not expected to work if you have these conditions.

IMPORTANT SAFETY INFORMATION
Do not take JARDIANCE if you are allergic to empagliflozin or any of the ingredients in JARDIANCE.
Symptoms of a serious allergic reaction may include:

  • rash
  • raised, red areas on your skin (hives)
  • swelling of your face, lips, mouth, and throat that may cause difficulty in breathing or swallowing

If you have any of these symptoms, stop taking JARDIANCE and call your healthcare provider right away or go to the nearest hospital emergency room.

JARDIANCE can cause serious side effects, including:

  • Diabetic ketoacidosis (increased ketones in your blood or urine) in people with type 1 and other ketoacidosis. JARDIANCE can cause ketoacidosis that can be life-threatening and may lead to death. Ketoacidosis is a serious condition which needs to be treated in a hospital. People with type 1 diabetes have a high risk of getting ketoacidosis. People with type 2 diabetes or pancreas problems also have an increased risk of getting ketoacidosis. Ketoacidosis can also happen in people who are sick, cannot eat or drink as usual, skip meals, and are on a diet high in fat and low in carbohydrates (ketogenic diet), take less than the usual amount of insulin or miss insulin doses, drink too much alcohol, have a loss of too much fluid from the body (volume depletion), or who have surgery. Ketoacidosis can happen even if your blood sugar is less than 250 mg/dL. Your healthcare provider may ask you to periodically check ketones in your urine or blood. Stop taking JARDIANCE and call your healthcare provider or get medical help right away if you get any of the following. If possible, check for ketones in your urine or blood, even if your blood sugar is less than 250 mg/dL:
    • nausea
    • vomiting
    • stomach-area (abdominal) pain
    • tiredness
    • trouble breathing
    • ketones in your urine or blood
  • Dehydration. JARDIANCE can cause some people to become dehydrated (the loss of body water and salt). Dehydration may cause you to feel dizzy, faint, light-headed, or weak, especially when you stand up. Sudden worsening of kidney function has happened in people who are taking JARDIANCE.

    You may be at a higher risk of dehydration if you:

    • take medicines to lower your blood pressure, including water pills (diuretics)
    • are on a low salt diet
    • have kidney problems
    • are 65 years of age or older

    Talk to your healthcare provider about what you can do to prevent dehydration, including how much fluid you should drink on a daily basis. Call your healthcare provider right away if you reduce the amount of food or liquid you drink, if you are sick or cannot eat, or start to lose liquids from your body from vomiting, diarrhea, or being in the sun too long.

  • Vaginal yeast infection. Talk to your healthcare provider if you have vaginal odor, white or yellowish vaginal discharge (discharge may be lumpy or look like cottage cheese), and/or vaginal itching.
  • Yeast infection of the skin around the penis. Swelling of an uncircumcised penis may develop that makes it difficult to pull back the skin around the tip of the penis. Talk to your healthcare provider if you have redness, itching or swelling of the penis, rash of the penis, foul smelling discharge from the penis, and/or pain in the skin around the penis.

    Talk to your healthcare provider about what to do if you get symptoms of a yeast infection of the vagina or penis. Your healthcare provider may suggest you use an over-the-counter antifungal medicine. Talk to your healthcare provider right away if you use an over-the-counter antifungal medication and your symptoms do not go away.

  • Serious urinary tract infections. Serious urinary tract infections can occur in people taking JARDIANCE and may lead to hospitalization. Tell your healthcare provider if you have symptoms of a urinary tract infection, such as a burning feeling when passing urine, a need to urinate often or right away, pain in the lower part of your stomach or pelvis, or blood in the urine. Sometimes people also may have a fever, back pain, nausea, or vomiting.
  • Low blood sugar (hypoglycemia): In adults, if you take JARDIANCE with another medicine that can cause low blood sugar, such as sulfonylurea or insulin, your risk of low blood sugar is higher. In children 10 years of age and older, the risk for low blood sugar is higher with JARDIANCE regardless of use with another medicine that can also lower blood sugar. The dose of your sulfonylurea or insulin may need to be lowered. Symptoms of low blood sugar may include:
    • headache
    • irritability
    • drowsiness
    • hunger
    • weakness
    • fast heartbeat
    • dizziness
    • sweating
    • confusion
    • shaking or feeling jittery
  • Necrotizing fasciitis. A rare but serious bacterial infection that causes damage to the tissue under the skin in the area between and around your anus and genitals (perineum). This bacterial infection has happened in people who take JARDIANCE, and may lead to hospitalization, multiple surgeries, and death. Seek medical attention immediately if you have a fever or are feeling very weak, tired or uncomfortable (malaise), and you develop any of the following symptoms in the area between and around your anus and genitals: pain or tenderness, swelling, and redness of skin (erythema).
  • Amputations. SGLT2 inhibitors may increase your risk of lower limb amputations. You may be at a higher risk of lower limb amputation if you:
    • have a history of amputation
    • have had blocked or narrowed blood vessels, usually in your leg
    • have had diabetic foot infection, ulcers or sores
  • Call your healthcare provider right away if you have new pain or tenderness, any sores, ulcers, or infections in your leg or foot. Talk to your healthcare provider about proper foot care.
  • Serious allergic reactions. If you have any symptoms of a serious allergic reaction, stop taking JARDIANCE and call your healthcare provider right away or go to the nearest hospital emergency room.

The most common side effects of JARDIANCE include urinary tract infections and yeast infections in females.

These are not all the possible side effects of JARDIANCE. For more information, ask your healthcare provider or pharmacist.

Before taking JARDIANCE, tell your healthcare provider about all of your medical conditions, including
if you:

  • have type 1 diabetes or have had diabetic ketoacidosis
  • have a decrease in your insulin dose
  • have a serious infection
  • have a history of infection of the vagina or penis
  • have a history of amputation
  • have kidney problems
  • have liver problems
  • have a history of urinary tract infections or problems with urination
  • are on a low sodium (salt) diet. Your healthcare provider may change your diet or dose
  • are going to have surgery. Your healthcare provider may stop JARDIANCE before you have surgery. Talk to your healthcare provider if you are having surgery about when to stop taking JARDIANCE and when to start it again
  • are eating less or there is a change in your diet
  • are dehydrated
  • have or have had problems with your pancreas, including pancreatitis or surgery on your pancreas
  • drink alcohol very often, or drink a lot of alcohol in the short term (“binge” drinking)
  • have ever had an allergic reaction to JARDIANCE
  • are pregnant or plan to become pregnant. JARDIANCE may harm your unborn baby. Tell your healthcare provider right away if you become pregnant during treatment with JARDIANCE
  • are breastfeeding or are planning to breastfeed. JARDIANCE may pass into your breast milk and may harm your baby. Do not breastfeed while taking JARDIANCE

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

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.

For more information, please see Prescribing Information and Medication Guide.

CL-JAR-100168 09.21.2023

MPR-US-102610

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The ultimate holiday wishlist: Essential appliances for every home

2023-12-19T10:21:00

(BPT) – Gift-giving and the holidays are practically synonymous, but you’ve likely forgotten to get a gift for someone special. Can you guess who? You! LG Electronics USA is here to help you pick out a present that will bring you joy during the holidays and beyond. Check out these nine appliances that will bring cheer, convenience and comfort to your daily life.

1. Smart induction slide-in electric range oven

Upgrade your cooking experience with the Smart Induction Slide-in Range with InstaView®, ProBake Convection®, Air Fry and Air Sous Vide. The all-in-one range transfers heat directly to your cookware for faster and safer heating, even cooking and precision temperature control.

Equipped with an InstaView Window, you can see inside without opening the door, keeping the heat inside where it belongs. Cleaning is a breeze with the EasyClean Oven feature that cleans the oven without chemicals or high heat in just 10 minutes!

2. Smart combination wall oven

Cook like a pro and maximize your kitchen space with the Smart Combination Wall Oven with InstaView®, True Convection, Air Fry, and Steam Sous Vide. The versatile appliance uses TurboCook and Infrared Heating™ to cook up to four times faster than other wall ovens.

You can easily monitor the internal temperature of a dish by simply inserting the built-in Temperature Probe. Once it has reached the desired temperature, the oven turns off automatically. Other features include an EasyClean Oven, Backlit LED SmoothTouch® Glass Controls and a PrintProof® Finish.

3. Smart top control dishwasher

Dishwashing will be easier than ever before with the Smart Top Control Dishwasher with 1-Hour Wash & Dry, QuadWash® Pro, TrueSteam® and Dynamic Heat Dry. The ultimate one-hour wash and dry cycle uses LG’s exclusive QuadWash® Pro and Dynamic Heat Dry™ technologies.

Experience efficient, pro-level cleaning with high-pressure jets that offer 38% more cleaning power than similar models. You won’t have to worry about food residue because TrueSteam® technology penetrates deeply to take care of any leftover scum, leaving 60% fewer water spots. Like all LG dishwashers, it’s certified by the National Sanitation Foundation (NSF).

4. Smart French door refrigerator

Keep your food fresh and organized in the stylish 26 cu. ft. Smart InstaView® Counter-Depth MAX™ French Door Refrigerator. The standard-capacity refrigerator offers a sleek, counter-depth design with 25% more space.

The refrigerator also uses linear cooling, a three-layer air filter and the ThinQ app, which automatically connects to your smartphone to notify you about usage, maintenance suggestions and early diagnosis for repairs. Let this fridge bring convenience and style to your kitchen!

5. Smart front-load washer

Transform your laundry routine using LG’s 5.0 / 4.5. cu. ft. Mega Capacity Smart Front Load Energy Star Washer with TurboWash™ 360° and AI DD® Built-In Intelligence. Its TurboWash™ 360° features five powerful jets that clean big loads in just under 30 minutes. Also, you can clean 18 loads with one easy fill of detergent.

Built-in AI technology gets smarter with every wash, taking the guesswork out of laundry. Meanwhile, Smart Pairing™ can tell the dryer to select a compatible drying cycle. Say goodbye to allergens. The washer reduces dust, pollen and pet dander in fabrics by more than 95% and is certified asthma and allergy friendly by the Asthma and Allergy Foundation of America (AAFA). Even if you don’t enjoy laundry, you’ll be thankful for how easy this washer makes this necessary household chore.

6. Single-battery cordless stick vacuum

Are you ready for hassle-free cleaning? LG’s CordZero™ Cordless Stick Vacuum Single Battery should be your go-to appliance this season. The LG Smart Inverter Motor™ offers powerful suction, backed by a 10-year limited warranty for lasting peace of mind. With an 80-minute runtime, a portable charging stand and easy maintenance thanks to the ThinQ App, you’ll easily handle everyday cleanups.

7. All-in-one cordless stick vacuum/mop

Take cleaning to the next level with the CordZero™ All in One Auto Empty Cordless Stick Vacuum with Auto Empty & Power Mop. The appliance comes with a vacuum to wet mop technology so you can clean any surface.

The stick vacuum quickly transforms into a hand vacuum with a telescopic wand. When you’re done, dock the appliance and watch as the docking tower cleans it of dust and debris. Kompressor technology easily compresses dirt and dust with 2.4 times more bin capacity. Comes with two batteries, so you can tackle long cleaning projects.

8. Smart steam closet

Freshen your wardrobe with the gentle power of steam using the LG Styler® Smart Wi-Fi Enabled Steam Closet with TrueSteam® Technology and Exclusive Moving Hangers. Its TrueSteam® technology lets you care for hard-to-wash items without chemicals, so you can continue to wear them again and again with little to no hassle.

Certified by the Asthma and Allergy Foundation of America (AAFA), the steam closet helps remove airborne allergens while deodorizing and freshening items. The innovative appliance is ThinQ compatible, sending proactive alerts right to your smartphone to keep your steam closet running smoothly. No need to call an electrician or plumber for installation. The sleek, simple design can be plugged in anywhere!

9. Air purifier

Breathe easier with an air purifier like the LG PuriCare™ AeroTower™ Air Purifying Fan. This must-have appliance uses an Advanced True HEPA filter to capture 99.97% of fine dust and allergens as small as 0.3 microns. Smells will be a thing of the past thanks to the deodorizing filter that reduces odor and harmful organic compounds. Not to mention LG’s exclusive UVnano™ LED technology kills 99.9% of bacteria on the fan blades, so you can breathe healthier air. Plus, three airflow options and a fan will keep you cool year-round.

This holiday season, don’t settle for the ordinary! Invest in these essential home appliances to upgrade your everyday life with comfort, convenience and efficiency. To learn more about these and other appliances, visit LG.com/US.

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Car buying made easy: 5 expert tips for 2024

2023-12-19T11:13:00

(BPT) – Are you planning to buy a car in 2024? Now is the time to do your homework and start shopping around so you can pick a vehicle that fits your needs without hurting your wallet.

For decades, most people followed a simple formula when they were ready to purchase a new vehicle — dealership, negotiate and purchase, drive off the lot. Today, there are a myriad of options available in the ever-evolving auto landscape that can leave drivers with a lot of questions.

Chase Auto wants to simplify car shopping, whether you’re a first-time or experienced car buyer. Here are the most important aspects of car buying that you should keep in mind when buying a car in 2024.

1. Set a realistic budget

Before you begin shopping, set a budget that you can stick to. Knowing how much you can afford, especially if you plan to pay for the car over time, will help you avoid stretching your finances.

When setting your budget, don’t just look at a car’s sticker price. Other auto expenses, like insurance, maintenance and fuel, can quickly add up. If you need help figuring out what you can realistically afford, use online tools like Chase’s Auto Loan Calculator to estimate your monthly payments. You can also use a tool like Autosave, which allows you to automate transfers from your Chase checking to Chase savings, to create a car fund for your future purchase.

2. Shop for deals

When buying a car, timing is everything. If you can, wait until the end of the month, end of the model year or end of the calendar year when dealers are trying to meet quotas or clear out inventory for new models. Your patience may help you get your ideal car at a great price.

Don’t forget to look for holiday sales! Christmas, New Year’s, Presidents Day, Memorial Day, July Fourth and Labor Day may yield great savings on this year’s and next year’s models.

Make sure you are considering multiple vehicles and shopping around at several dealerships to get the best price.

3. Take it for a spin

Once you’ve narrowed down the vehicles you’re most excited about, schedule test drives to see how it looks and feels, and to make sure it fits your needs.

Schedule test drives of different vehicles within the same day or week so your impression of each is fresh in your memory. Keep your daily driving conditions in mind and try to simulate them during your test. For example, if you’re a parent, bring a car seat to see how it fits.

After your test drive, make sure to ask about the warranties, fuel and maintenance requirements, extended test drives and the possibility of bringing the car to your own mechanic for a second opinion if buying pre-owned.

4. Weigh your financing options

Will you take out an auto loan or lease your car? Both financing options have their benefits. At the end of the day, it all comes down to which best fits your budget and lifestyle.

If you purchase your car using a loan, you don’t have to worry about mileage limits, and you’re free to customize the car. Once you pay it off, you own it outright. At Chase Auto, you can get pre-qualified for financing before even heading into the dealership. On the other hand, leasing typically has lower upfront costs than a loan payment. After the lease term, you can return, purchase or trade in your vehicle.

5. Consider electric

More and more major manufacturers are offering electric vehicles (EVs), so it’s a good idea to consider whether an EV fits your lifestyle. Cost, maintenance, range, and charging logistics are some key factors to think through.

Although the sticker price of an EV may be higher than that of a traditional gas vehicle, there are options to help offset the cost, such as federal and local tax incentives. Also, it typically costs less to charge your vehicle than to fill up a tank with gas[1]. It may be worth it to pay more upfront for possible long-term savings.

EVs typically require less maintenance than traditional cars. Also, EV batteries tend to be covered by 8- to 10-year warranties[2], outlasting the time most people own their cars. That said, EV tires degrade faster due to the weight of the battery, so keep that in mind when calculating the long-term costs of ownership.

Finally, consider how far you drive your car and if charging stations are nearby. According to the U.S. Department of Energy, the range of an EV with a fully charged battery could be between 110 to 300 miles[3], but that number depends on the make and model as well as other factors like weather, traffic conditions and driving style. Also, when it comes to charging infrastructure, some cities and states may have more charging stations than others. Make sure to plan your trip ahead of time and map your route.

Ultimately, it is best to stay open to different options on the market. Research different vehicle options and financing programs, and make sure to shop at several dealerships so you can get a vehicle that’s a fit for you, your family and your budget in 2024.

To learn more about car shopping and financing, visit autofinance.chase.com.

JPMorgan Chase Bank, N.A. Member FDIC

This article is for educational purposes only and provides general auto information. The material is not intended to provide legal, tax, or financial advice or to indicate the availability or suitability of any JPMorgan Chase Bank, N.A. product or service. Outlooks and past performance are not guarantees of future results. Chase is not responsible for, and does not provide or endorse third party products, services or other content. For specific advice about your circumstances, you may wish to consult a qualified professional.

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The ultimate checklist for childproofing through the years

2023-12-18T05:01:00

(BPT) – Childproofing your home isn’t just for babies. As kids grow, so does their ability to find new things to explore, some of which can be safety hazards hidden in plain sight. Be sure you know how to spot these hazards and the safety tips to help keep little ones safe throughout the years.

Read on about important safety measures you can take to childproof your home, based on the age and development of your child.

Newborn

Begin childproofing before your child is on the move. Installing safety products helps parents be ready before the baby starts crawling (which happens overnight!) and teaches children what is off-limits.

Begin childproofing your home by doing the following and consider these safety tips:

  • Never place a crib, playpen, bed or any type of low-standing furniture near a window. In exploring their surroundings, young children can accidentally fall through an open window or window screen, or become entangled in a nearby window covering cord.
  • Dangling or accessible cords on window coverings can pose a ‎strangulation hazard to infants and young children.‎ Replace all corded window coverings with cordless products. It’s easy to know which are cordless — look for the Best for Kids label on products available at all major U.S. retailers. Visit windowcoverings.org for more information.
  • Keep baby’s crib free of pillows, bumpers, stuffed animals and blankets as they can be a suffocation hazard.
  • Place baby monitors and their electrical cords at least three feet away from the crib.
  • Anchor TVs and tip-over furniture to the wall, such as dressers and bookcases.
  • Anchor the changing pad to dresser with the safety latch provided.

Crawler

Crawling and cruising children will grab on to almost any surface and may pick up any item within reach. They explore by putting things in their mouths as well. This is a very curious time for children which requires additional supervision.

  • Be sure all the items from the newborn section have been completed.
  • Cover electrical outlets lower than counter height.
  • Keep household cleaners and medicines out of reach. Install child locks on cabinets.
  • If you still have corded window coverings, for safety’s sake, replace them with safer cordless options.
  • Turn pot handles inward on the stove and use back burners.
  • Install safety gates at the top and bottom of stairs.
  • Never leave your baby alone in the bath; keep one hand on the child at all times.
  • Avoid toys with small parts when shopping for children under age three (3) and children who mouth toys. Test the size of toys and other objects around the home with a Small Parts Tester.

Toddler

Be prepared to give lots of clear reminders about safety, as young children don’t always understand safety concerns. Make sure that the steps in the previous stages have been completed, and work on the following.

  • Store toys in an easily accessible place. Choose a toybox without a lid which can fall on little fingers or trap little ones inside.
  • Adjust your water heater temperature to 120 degrees Fahrenheit. Curious hands can turn on water sooner than you think and can cause serious burns.
  • Place hot foods and liquids on the center of tables and countertops, not on edges or placemats.
  • Secure doors that lead to stairways, driveways and storage areas.
  • Never leave a child alone in a bathtub, wading pool or other body of water.
  • Store dangerous tools and gardening equipment in a locked shed or cabinet.
  • Keep all button batteries out of reach. If swallowed, button batteries can cause injury or death.

Early Elementary Age

“Big kids” can understand why some items and actions are dangerous, but still need safety precautions and guidance, as their impulses often push them to do what they know is forbidden or exciting. Make sure certain hazards are contained and they have a good understanding of safety do’s and don’ts.

  • Teach your child the right way to use simple kitchen tools and appliances.
  • Keep matches and lighters up high and out of reach.
  • Teach children how to respond to the sound of a smoke alarm at home. Make an escape plan and practice it with your kids.
  • Teach them how to dial 911 in case of emergency.
  • Teach kids to never play in your parked car.

No matter the age of your kids, your family deserves to feel safe at home. For more tips on childproofing your home, visit The Window Covering Safety Council.