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Practical presents for tech enthusiasts: 5 ideas to spark joy

2023-12-13T08:01:01

(BPT) – Are you struggling to find the perfect gift for your tech-savvy loved one? Don’t worry. Tech-Life expert Jennifer Jolly knows the best gadgets and tech-ish tools for all the tech lovers in your life. Here are a handful of her top picks to help spark joy this holiday season.

1. Smartwatch with fitness tracker

For your health-conscious loved one who’s always on the go, Jennifer says a smartwatch with fitness-tracking features “hits the target every time.” On its own, a smartwatch is an invaluable gift your friend or family member will use every day with useful features like notifications, voice commands and music playback. However, smartwatches that track steps, heart rate, sleep patterns and sports activity can help users push their limits to reach (and even exceed) their fitness goals in the new year.

2. Smartphone

Do you have a preteen who has been begging for their first smartphone? Or has your spouse hinted that they’d like to upgrade their current model? The holidays are a great time to give your loved ones a gift that keeps on giving, and a smartphone is exactly that.

Jennifer says there are some great deals if you know where to look and cautions people of those “free” device offers that actually lock you into a two-year contract and end up costing $150-$300 more than the upfront price of the phone.

For a better option, take a look at Total by Verizon’s Holiday Deal: Now through the end of the year, people who switch to one of Total by Verizon’s Unlimited plans will get a free Samsung Galaxy A13 5G phone, for free, no strings attached. The Galaxy A13 offers quick, virtually lag-free downloading and streaming with awesome connectivity and a long-lasting battery that charges up fast. Your loved ones can use their new smartphone to capture holiday memories on video or photo using the high-res triple camera. Best of all, you can add four lines for $25 per line with Auto Pay. For more information, visit TotalbyVerizon.com.

3. Bluetooth Speaker

Audiophiles, rejoice! With a portable Bluetooth speaker, music lovers can enjoy their favorite beats while relaxing at home, out with their buddies, or anywhere they want to get their groove on. Make sure to look for dustproof and water-resistant models so your loved one doesn’t have to worry about using their new favorite gadget in the great outdoors.

4. VR glasses

For those in your life who value a truly immersive experience, virtual reality (VR) glasses are a must. You can choose from high-end options for at-home use or mobile options that work with a user’s smartphone so they can slip into the virtual world wherever, whenever. Whether they choose to explore virtual worlds, visit exotic locations or play immersive games, they can do it all with this handy gift.

5. Portable power bank

Make sure your loved ones can stay connected by gifting them a power bank. A powerful portable power bank is one of the most practical tech items you can gift a friend or family member this season. A power bank allows them to charge nearly any electronic product at home, in the office or when traveling by car, train or plane.

Jolly Holidays!

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5 energy-efficient home features guaranteed to help save you money

2023-12-13T07:01:00

(BPT) – Imagine this — a home that is not only good for the planet but good for your wallet. That’s the allure of energy-efficient homes. Home buyers today aren’t just looking for a place to hang their hats. They’re seeking sustainable sanctuaries that lessen their environmental impact. But the cherry on top? The potential for significant cost savings. This is especially true when it comes to homes built to U.S. Department of Energy (DOE) Zero Energy Ready Homes™ specifications. It’s not just a purchase, it’s a step toward a more sustainable and cost-effective future.

Last year, the average residential electricity price increased more than 14% across the country, double the rate of American inflation. As a result, more than 20 million families in the U.S. struggled to pay their utility bills. Luckily, some home builders are designing certified Zero Energy Ready Homes with energy-efficient features that can help homeowners save money.

This year, Clayton, a national builder of attainable, single-family homes, launched its newest housing initiative, eBuilt™ homes, which are built to DOE Zero Energy Ready Home specifications and come equipped with dozens of energy-efficient features. eBuilt homes can save a homeowner up to 50% in annual energy costs(1) compared to a traditional off-site built home, allowing homeowners to potentially save thousands of dollars throughout their homeownership journey. Check out five important features of eBuilt homes that can help significantly lower homeowners’ utility bills and environmental impact:

1. Tight thermal envelope with additional insulation

Heating and cooling a home year-round can cost a pretty penny. In a typical residence, as much as 40% of energy consumption costs can come from heating and cooling escaping through windows, doors and walls. eBuilt homes are designed with a tight thermal envelope, allowing the home to better manage and retain its temperature.

eBuilt homes have sealed ductwork, which helps prevent drafts, moisture and unwanted noise. All windows, vents, plumbing and electrical penetrations — even the recessed lighting — are tightly sealed. Together, these features contribute to the home’s energy efficiency.

2. Low-E windows

Low emissivity (low-e) windows with argon gas are in all Clayton eBuilt homes. Low-e windows allow less heat to enter and leave your home thanks to the microscopic thin coating that manages daylight transmittance. According to the DOE, low-e windows can reduce a home’s energy loss by 30%-50%.(2) Paired with the thermal envelope with the home’s added insulation and insulated exterior door, homeowners can expect to significantly cut their heating and cooling bills.

3. ecobee® smart thermostat

eBuilt homes also feature ecobee smart thermostats. According to ecobee, North American customers saved 26% on their heating and cooling costs by keeping their homes at a consistent temperature and minimizing the difference between the indoor and outdoor temperatures.

4. Energy-efficient water heating

For the average American household, water heating is the second largest expense on monthly utility payments, representing up to 18% of their utility bill. With energy-efficient water heating, homeowners can take a chunk off their monthly bills without reducing their hot water use.

All of Clayton’s eBuilt homes feature a Rheem hybrid water heater, which uses less energy than a 100-watt light bulb.(3) That translates to as much as $491 in energy cost savings per year!

5. ENERGY STAR®-certified appliances

Clayton’s eBuilt homes feature several enhancements that are ENERGY STAR®-certified, like dishwashers and refrigerators. A typical ENERGY STAR-certified refrigerator uses less energy than a 60-watt light bulb, and freezers use 10% less energy than a new non-certified counterpart.

These are just five of the 25 enhancements that contribute to an eBuilt home’s energy efficiency. In addition to the energy-efficient enhancements, eBuilt homes are built to accommodate a solar energy system if the homeowner chooses to add one after purchase. With the addition of solar panels, eBuilt homes can transform into a “net zero” home, which can offset up to 100% of its annual energy use by generating the power it consumes.

To learn more about the benefits of buying an eBuilt home, visit ClaytonHomes.com.

(1) ZERH Logo Use Guidelines (energy.gov)

(2) https://www.energy.gov/energysaver/window-types-and-technologies

(3) Compared to the energy needed to power a single 100-watt incandescent light bulb constantly for one year

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5 ways to save money on any home’s heat and air conditioning

2023-12-13T08:01:01

(BPT) – HVAC systems not only enhance home comfort but, when operating efficiently, can also contribute to cost savings. As colder temperatures begin to sweep the country, many homeowners are wondering how to best utilize their HVAC system to avoid costly heating bills. Similarly, these tips apply to warmer temperatures and savings on cooling bills.

Here are five strategic ways in which a home’s heating and air conditioning system can optimize the climate and serve as a savvy tool for trimming down home expenses. From smart usage practices to regular maintenance tips, these insights can help any homeowner’s HVAC system to last for years to come and provide additional comfort and savings.

Maximizing the efficiency of a home’s current system is key to ensuring it works optimally over the years while continuing to provide utility bill savings due to efficiencies.

Consider implementing the following strategies to minimize expenses with an existing HVAC system:

1. Enhance the home’s weather resistance

The operational dynamics of an HVAC system are significantly influenced by how well the home functions. A well-functioning home correlates with an efficiently operating HVAC system. Weatherizing the home not only amplifies its overall effectiveness but also elevates comfort levels while reducing energy expenses.

Weatherization entails sealing all windows, doors, attics and basements to thwart heat loss. If the home has an older duct system, consider sealing it to prevent conditioned air leakage into unconditioned spaces, potentially leading to prolonged HVAC system operation. In regions with hot or warmer climates, installing blinds or solar shades can effectively mitigate the entry of the sun’s heat, minimizing the reliance on air conditioning.

2. Regulate the home’s humidity levels

Effectively managing the humidity within the home contributes to maintaining optimal comfort and reducing costs. During the winter, introducing humidity into the living space prevents dryness and also enhances comfort at lower temperatures. In the summer, maintaining lower humidity levels promotes comfort even at higher indoor temperatures. In both scenarios, controlling home humidity lessens the operational duration of the HVAC system required to sustain a comfortable environment.

3. Get smart about the thermostat

Take charge of temperature settings to suit your preferences, whether at home or away. Utilize solutions such as Rheem®’s EcoNet® Smart Thermostat that enable seamless temperature adjustments from any location. Leveraging geofencing technology, EcoNet intelligently detects the homeowners’ presence, adjusting the heating or cooling settings to maximize energy efficiency based on whether they are home or away.

4. Implement energy-efficient practices

Incorporate energy-conscious practices as part of a daily routine to optimize the efficiency of your HVAC system and achieve substantial long-term savings on home energy bills. Begin by ensuring that doors and windows are closed when the HVAC system is in operation, preventing the unnecessary loss of conditioned air and ensuring that the home maintains a consistent and comfortable temperature. Utilize ceiling fans strategically to enhance air circulation, promoting even distribution throughout the living space. These straightforward yet impactful habits collectively contribute to heightened energy efficiency, translating into tangible and lasting reductions in overall energy expenses.

5. Keep current with routine maintenance inspections.

Scheduled service checks guarantee the optimal and efficient operation of any HVAC system, simultaneously averting potential major issues that could jeopardize both efficiency and the overall health of the system. It is advisable to conduct maintenance checks at least bi-annually, ideally before the onset of significant heating and cooling seasons during the winter and summer.

Looking to do a complete overhaul and in search of an energy-efficient HVAC system but unsure where to begin? Explore leading HVACR manufacturer, Rheem’s Sustainability Standouts for a comprehensive lineup of efficient solutions designed to ensure a comfortable home and efficiencies that provide long-term budget savings.

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How open communication and early planning can help create a seamless farm succession

2023-12-13T00:01:00

(BPT) – The passing of the head of the family is an emotional event. Their passing has even larger implications when that transition also includes an agricultural business and decades of family tradition. By planning in advance for the farm’s future, farmers can help protect their families’ relationships, finances and legacy.

Cari Rincker is an Illinois attorney whose firm, Rincker Law, PLLC, specializes in helping families plan for farm succession. Coming from a farm family herself, Rincker’s experience with farm succession issues is more than professional.

“My father is a farmer, and he’s looking at gradually reducing the time he spends doing physical labor,” she said. “So, as we go through that transition, we’re starting to have more conversations about what’s next.”

Talking to a loved one about the farm’s future can be difficult. However, such conversations lay the groundwork for a smoother transition from owners to successors.

“The law is one thing, but every family has its own dynamics,” said Rincker. “When you’re talking about money, business and family, a lot of raw emotions can come up. Balancing it all can be quite a dance.”

The anatomy of a farm’s future

Plotting a farm’s future depends on three overlapping components: Estate, business and succession planning.

Estate planning may include making a will or trust to distribute assets to the intended beneficiaries, whether a farm-specific asset or a more standard personal inheritance.

“I recommend trusts,” said Rincker. “Assets in a trust don’t have to go through probate, so they pass to beneficiaries instantaneously. A trust is also private, so it never becomes public record.”

Business planning includes designating the farm or ranch as a business entity, like a limited liability company or corporation, to help protect assets and reduce personal liability. Rincker points out that general partnerships and sole proprietorships don’t protect the land or personal assets in a lawsuit.

Finally, succession planning spells out who will assume the farm’s operation and in what roles, which helps transition management and knowledge.

“Succession planning is probably the most delicate aspect of a farm’s future, but it’s also the most important,” said Rincker. “Without that, it doesn’t matter how great your estate and business plans are. You won’t succeed in passing the farm business to the next generation.”

Because of the emotionally charged nature of farm succession planning, Rincker suggests having a neutral third party in the room — or on the video conference — to help soothe family tension.

Expect the unexpected

Passing on the family business may not always go as planned, so it’s critical to have a backup plan. According to Andrew Branan, an attorney-turned-professor at North Carolina State University who focuses on farm succession planning, a succession plan must include how the farm will pass to the successors and what happens if it doesn’t.

Both Rincker and Branan note that the planning components are living documents that should be reviewed and revised as necessary. They also recommend families gather information while the legal documents are in the works. Basic operation manuals, written procedures and redundancies in access to everything from building keys to account and policy numbers prepare heirs and employees for the future, including unforeseen events.

“Sometimes I get terrified thinking, ‘If something happened to my father, am I going to be able to find the FSA numbers or get all the details in order to deal with the growing season?'” said Rincker.

She stresses that it’s important to not let perfect get in the way of good.

“Just get something in place and then perfect it over time,” said Rincker. “Even if you don’t have a will or trust, there is still a plan, but it’s a plan the law in your state has given you. I think we’d all rather have the autonomy to decide for ourselves how things will pass to the next generation.”

To read more articles on planning for your farm’s future, visit SyngentaThrive.com.

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Building Hope: 9 Essential Steps to Reducing Youth Suicide

2023-12-12T14:01:00

(BPT) – Adolescence is a critical time in everyone’s development — teens and young adults learn to make decisions, manage emotions, create deeper connections with peers and their communities, and build resilience. Young people’s developing brains are well suited to these tasks, but too often the systems that serve them are not. And the unique pressures they face today have fueled escalating rates of mental health challenges and the number of youth who die by suicide.

The Jed Foundation (JED) — a leading nonprofit that protects emotional health and prevents suicide among our nation’s teens and young adults — recently issued “Youth Suicide: Current Trends and the Path to Prevention,” which highlights suicide trends among youth. One of the report’s key findings was that 10% of high school students attempted suicide in the past year.

“Over the past few years, young people have been significantly impacted by society’s greatest challenges, including the pandemic, war, climate change, racial disparities and school shootings. They do this without the context, experience and resilience that adults possess,” said John MacPhee, JED’s chief executive officer.

Although overall suicide rates have continued to increase, there is reason for hope and actions to be taken. The report highlights provisional data from the Centers for Disease Control and Prevention that found that suicide rates for youth ages 10–24 declined between 2021 and 2022, including a significant drop (22%) for girls ages 10–14. With knowledge and resources, parents, educators, communities and policymakers can help reduce suicide rates among teens and young adults.

“We have an opportunity to actively protect teens and young adults by compassionately providing them with the skills and care they need to succeed while also working to reduce the barriers and risk factors in our society,” said MacPhee.

Supporting youth mental health and preventing suicide requires a systemwide, evidence-based approach. As part of the report, JED outlined nine essential steps to reducing youth suicide that offer solutions to support all youth — including specific recommendations for groups of young people who face additional stressors — improve youth mental health, and prevent suicide.

1. Take a comprehensive approach

Adopting a comprehensive approach is the first step in reducing suicide risk. A great example is JED’s Comprehensive Approach to Mental Health Promotion and Suicide Prevention, which focuses on developing life skills, promoting social connectedness, identifying and supporting students at risk, increasing help-seeking behavior, providing mental health and substance misuse services, establishing and following crisis management procedures, and promoting means safety.

2. Create connection and community

In U.S. Surgeon General Vivek Murthy’s 2023 advisory “Our Epidemic of Loneliness and Isolation,” he points out that youth are especially disconnected and isolated, which can fundamentally affect mental, physical and emotional health. Designing communities of care in schools, creating opportunities and spaces for young people to meet and gather organically, and supporting intergenerational connections can help address youth loneliness.

3. Meet basic needs and address trauma

There are strong links between poverty, societal and racial inequity, trauma and mental health struggles. That’s why it’s important to strengthen social safety nets to meet students’ basic needs — like housing, food, education and health care — and expand access to trauma-informed care.

It’s also critical to use community- and family-based, trauma-informed approaches for reducing youth involvement in the criminal legal system to address important root causes of suicide. Youth (ages 10–24) involved with the criminal legal system die by suicide at rates two to three times higher than the general youth population.

4. Increase coping and emotional support skills

Self-awareness and interpersonal skills help young people better solve problems, manage emotional stressors, and control impulses, improving their ability to move through challenges. Trained, caring adults and young people can play a vital role in helping youth develop and access emotional support and coping skills, including how to identify and reach out to someone who may be struggling and connect them to professional support.

5. Meaningfully increase access to care

Too many young people reach out for professional help and run into barriers. We must support the implementation and enforcement of the Mental Health Parity and Addiction Equity Act, require insurance coverage of mental health services delivered in schools, ensure that provider networks adequately serve diverse populations, and design crisis services to meet the needs of communities.

6. Make widespread use of proven suicide prevention treatments and interventions

There are underutilized treatments that meaningfully reduce suicidal thoughts and attempts. Prioritizing the use of proven approaches like dialectical behavior therapy (DBT), Collaborative Assessment and Management of Suicidality (CAMS), cognitive behavioral therapy for suicide prevention (CBT-SP), attachment-based family therapy, brief safety planning interventions, and pharmacological interventions can help lower suicide rates.

7. Reduce access to lethal means

Reducing access to lethal means is a powerful way to reduce suicide. This is especially true for firearms. Firearms are the leading method of suicide death overall, and approximately 90% of suicide attempts by firearm are fatal. Everyone from families to gun owner groups to legislators can play a role in advocating for and implementing responsible gun storage to meaningfully reduce suicide risk.

8. Advocate for safe online spaces

More and more young people are engaged in online activities in a largely unregulated space. Policymakers and other stakeholders must take a pro-safety approach to apps and platforms where young people spend time, centering youth in any efforts to improve them.

9. Leverage technology to support youth mental health

Although technology can pose risks for young people, it also offers more ways to connect with each other and access mental health care. By leveraging technology, we can provide youth with access to professional help through telemedicine, connect to young people where they are in digital spaces, and use the virtual worlds of gaming, the metaverse, and extended reality to offer resources and support in real time.

Everyone can do their part

“Suicide rates for young people have been rising for over a decade due to factors that include isolation, increasing access to firearms and difficulty connecting to mental health treatment. Particular groups of youth are disproportionately impacted because of the effects of social determinants of health,” said Dr. Laura Erickson-Schroth, JED’s chief medical officer. “Our first-of-its-kind report aims to provide a nuanced perspective on how these influences are driving suicidal thoughts, suicide attempts and deaths among different groups of youth, and identifies strategies that can help parents, educators, public officials and policymakers mitigate these trends to improve young people’s mental health and save lives.”

However you’re involved in the life of a young person — as a parent, educator, coach or any other type of mentor — you can be the support they need.

If you or someone you know needs to talk to someone right now, text, call or chat 988 for a free confidential conversation with a trained counselor 24/7.

You can also contact the Crisis Text Line by texting “HOME” to 741741.

If this is a medical emergency or if there is immediate danger of harm, call 911 and explain that you need support for a mental health crisis.

Download “Youth Suicide: Current Trends and the Path to Prevention” at jedfoundation.org/youth-suicide-current-trends-and-the-path-to-prevention. To learn more about how you can support the young people in your life, visit jedfoundation.org.

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How to plan an unforgettable weekend vacation for the whole family

2023-12-12T08:01:01

(BPT) – Family vacations aren’t just a break from the daily grind or routine, they’re also an opportunity to enjoy fun experiences together to build connection and try new things to make memories that will last a lifetime. Has it been a while since your family’s had a vacation? It may be time to start planning a weekend getaway for 2024! While planning a vacation for the whole family is easier said than done, here are five tips to plan your next family getaway effortlessly.

1. Choose the right destination

Before you can truly start planning your weekend trip in earnest, you’ll need to pick a location. When picking a vacation destination, consider your method of travel and if stopovers are required, the distance, necessary visas, and paperwork, as well as your family’s preferred climate.

You’ll also need to take into account everyone’s interests. For example, if one or more of your family members has a passion for theater, pick a city with a thriving arts and entertainment scene. Or, for thrill seekers, choose a location with a theme park. Need a sunny, warm getaway from your home’s winter weather? Look for a beach resort. No matter where you choose to vacation, factoring in everyone’s preferences will ensure the destination has something for all.

2. Book family-friendly accommodations

Now that you know where you’re going, you’ll need to set up accommodations. It’s crucial to look for family-friendly hotels or resorts with plenty of amenities, including spacious rooms, kid-friendly activities, and maybe even a pool or playground. Always check online reviews to make sure that the accommodations listed on the hotel’s website meet travelers’ expectations.

Once you’ve chosen a hotel, don’t wait to book. Securing a room in advance removes the hassle and any last-minute scrambling during peak travel season.

Give yourself the flexibility of booking your family adventure your way by using Citi Travel with Booking.com. With a selection of 1.4 million hotels and hundreds of thousands of attractions, this convenient booking platform allows eligible Citi® cardmembers to book hotels, air travel, car rentals, and attractions all in one place. To learn more, please visit ThankYou.com.

3. Pack wisely

One way to reduce pre-travel stress is by packing efficiently for your vacation. Your luggage checklists should include weather-appropriate clothing, comfortable walking shoes, special items for planned activities, important travel documents like IDs, travel insurance, and essential medical information.

When traveling with little ones, you may need to tote bulky items, such as strollers, playpens, and bouncers. Consider popular baby equipment rental services that provide a hassle-free solution for travelers dealing with baggage restrictions.

4. Create an itinerary, but leave room for discovery

To make the most of your trip, build out a rough itinerary to hit your family’s priority events and attractions. Planning a mix of activities, outdoor adventures, cultural experiences, as well as scheduled downtime will keep the vacation fresh and entertaining for everyone. Make sure to leave room to discover local spots along the way. When compiling your itinerary, make sure to research local attractions and purchase tickets in advance. If you have an eligible Citi® credit card, you can book attractions across the globe with the Citi Travel™ site. Heading to Chicago? Secure a reservation for the Chicago Architecture River Cruise. Dreaming of a long weekend in the Big Apple? Look into passes for the Manhattan Sky Tour and New York Helicopter Flight. Are you an outdoorsy group? The Grand Canyon Guided Tour would be a perfect addition. Wherever you roam, you can book your trip on the Citi Travel™ site and easily compare your options to find the perfect activities for your family.

5. Share responsibilities

You don’t have to (& shouldn’t!) do all the trip planning on your own. Before the trip, lighten the load by assigning responsibilities to each family member. Someone can be in charge of organizing the group to and from planned events, another can be responsible for always keeping snacks on hand, and another can keep everyone on track with the itinerary. This collaborative approach not only relieves any overwhelming stress, but also ensures everyone feels involved!

Are you ready to go on your next family vacation? Use these tips, and you’ll be well on your way to planning a trip your family will remember for years to come.

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Preparing for El Nino’s Winter Weather

2023-12-12T11:01:01

(BPT) – This winter is anticipated to be a significantly wet one due to the climate phenomenon known as El Niño. Developing over the summer, this year’s El Niño event is forecasted to be notably strong and expected to intensify, increasing the likelihood of a wetter-than-average winter.

El Niño is a weather pattern characterized by abnormally warm ocean temperatures around the equator in the Pacific Ocean. For the United States, typical El Niño weather translates to an increase in rainfall for the South and West, increasing the potential for water damage and flooding in these areas.

“Water damage is one of the most common claims filed by homeowners and becomes a huge concern when dealing with these types of storms,” said Bonnie Lee, Vice President of Property Claims for Mercury Insurance. “The intensity of a storm can impact the structural integrity of houses and wreak absolute havoc on personal property.”

Homeowners insurance does not generally cover flood and mudslide damage, so property owners should do some research to find out if their home is located in a flood plain. If so, you may want to look into purchasing national flood insurance if you are in a high-risk area.

It’s also crucial for homeowners to consider the increased precipitation risk factor in drought-stricken or wildfire-affected areas, due to their potential for mudslides and flash flooding.

“Homeowners need to regularly review their policies to ensure that their home care needs are met and familiarize themselves with what types of damages will be covered,” said Lee. “It’s important to research on flood zones and potential mudslides in your area and talk to your insurance agent about your concerns and protection options.”

Knowing that there is a high probability for persistent rainfall this winter, homeowners should take preventative measures to protect themselves against damages that can occur. Lee suggests the following tips to help minimize water and wind damage to your home and property:

  • Sign up for severe weather alerts to stay informed on an El Niño weather-related event.
  • While the weather is dry, consider hiring a professional home inspector to evaluate your home. Homeowners insurance will not cover the cost of repairing pre-existing conditions, so cover your bases and address these issues before they lead to bigger problems.
  • Inspect window and door seals and make any necessary repairs to prevent potential water damage. Door seals should also be inspected. Strong winds can easily shatter glass, inviting debris and water into your home. Weak seals and small leaks can create bigger issues if the water gets into the walls.
  • Evaluate your roof. The roof of your home is an important barrier that protects your property from wind and rain. Walk through your home and check your ceilings and walls for any leaks, water rings or mold spots that might indicate possible roof damage and address any issues immediately. Have the exterior of your roof inspected for missing shingles, holes or weak spots by a licensed contractor.
  • Check gutters and downspouts and make sure they are clear of debris to maintain proper drainage.
  • Perform routine property maintenance like tree trimming and clearing away dead branches to mitigate roof and gutter damage from severe weather.
  • Keep an updated record of your personal property for insurance purposes.
  • If your home is situated in a flood plain, consider purchasing flood insurance.
  • Consider adding a standby or portable generator to help keep electricity on to run essential appliances, A/C and some lights.
  • Establish a family disaster plan and create emergency kits in case you need to evacuate in the event of severe weather conditions.
  • Regularly review your homeowner’s insurance policy with your agent to understand what is covered.

Also consider joining your local community’s resource group for additional support.

If your home sustains damage after a severe weather-related event, contact your insurance carrier or agent immediately and file a homeowners claim. If your property has sustained damage from a flood or mudflow and you have flood insurance, file a separate claim under your flood insurance. Evaluate and document all damages in the event that rain or wind causes destruction on your property to help the claim process move forward smoothly.

“Save yourself from any headache and hassle and make the necessary maintenance and repairs you need before inclement weather hits,” said Lee. “A few simple measures can reduce repair costs and may pay off big time in the long run.”

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3 mess-free holiday gifts perfect for your little artist

2023-12-12T13:31:00

(BPT) – The holidays are a great opportunity to encourage your child’s creative spirit. However, cleaning up after your little one’s masterpieces can sometimes be tedious. Luckily, you don’t have to choose between letting your budding artist color creatively or a clean home. This holiday season, Crayola is here to help reduce cleanup with its mess-free Color Wonder products. In fact, the Crayola Color Wonder line is the #1 Brand in Marker Paper systems, according to the Numerator Color Wonder 2023 study.

With the Color Wonder markers to paper technology, the markers only show up on specially formulated Color Wonder paper, not on skin, clothing or furniture. This means no stains on surfaces not meant to be used as a canvas. Color Wonder encourages creative freedom, keeping kids busy and engaged while allowing hands-off play for parents. Kids can now explore their artistic side and parents can let them create without worry! Check out three of the latest and greatest mess-free holiday presents perfect for your emerging artist.

1. Crayola Color Wonder Fingerprint Activity Book

Your mini-Picasso can get hands-on with their art using the Color Wonder Fingerprint Activity Book, a new, mess-free way to fingerpaint! The kit offers all the fun of fingerpainting without the messy color mixing or need to wash hands in between colors! Each set comes with an ink pad tray inclusive of five assorted ink colors and a 27-page activity book.

2. Crayola Color Wonder Activity Pads

Take the magic of mess-free creations on the road with Color Wonder Activity Pads! As found in all Color Wonder line products, markers will only reveal color on the specially formulated Color Wonder paper. Your kids will be excited knowing they can take their favorite characters like Spidey & His Amazing Friends, Paw Patrol and Disney Princesses on every car, plane or train trip. Each spiral-bound coloring pad offers 16 coloring pages, three Color Wonder Markers and marker storage.

3. Crayola Color Wonder Mess-Free Coloring Pages & Markers

Crayola Color Wonder Mess-Free Coloring Pages & Markers are great for keeping kids busy and creating all holiday season long. The envelope-style packaging doubles as a unique storage solution, keeping markers and coloring pages all in the same place and allowing coloring activities to be taken on-the-go or used at home. Available in kids’ favorite characters, like Bluey!

Gifts for the holidays and year-round!

These Color Wonder products are three of many great mess-free products Crayola has to offer. Beyond the holiday season, Color Wonder makes for excellent presents year-round, thanks to the convenience, creative fun and kid-favorite characters. According to Crayola, nine in 10 shoppers shared that they planned to purchase again after buying, using and loving their Color Wonder set.

Breathe easy this holiday season with Crayola Color Wonder mess-free gifts. Best of all, kids will love them just as much as their parents! Find Color Wonder and other favorite Crayola products at Walmart, Amazon, Target and additional retailers nationwide.

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Surprise holiday hit: Luxe bidet seats are the gift everyone will love

2023-12-12T14:11:00

(BPT) – What if you could give a gift that loved ones would use every day? Something that would enhance their well-being and comfort with a touch of luxury. Such a unicorn gift does exist: bidet seats.

The average person visits the bathroom multiple times a day and spends more than 90 minutes on the toilet a week. Bidet seats enhance this time, plus their popularity has soared since the pandemic, with people putting a new focus on personal hygiene, luxury at home, and overall self-care.

For years, you could only find bidets in high-end spas and hotels, but more people are upgrading their bathrooms by adding bidets into their homes. Bidet seats come with a wide range of features from basic attachments with cold water to high-tech electronic bidet seats like the line of WASHLETs from TOTO with temperature-controlled warm-water cleansing, heated seats, personal drying, and more.

A bidet seat is the unexpected gift that will thrill your loved ones and totally change their daily routines. Easy to install, TOTO’s line of WASHLET bidet seats are perfect for a variety of people, and with models starting under $500, there is one for everyone on your gift list.

The new homeowner or renter: Bidet seats fit most standard toilets and are easy to install without the need for a plumber. They are great for homeowners and renters looking to transform their bathroom by adding elements of luxury. Installation is as easy as changing out your toilet seat. One option to consider is the WASHLET C2, which has variable air drying, automatic air deodorizer, automatic EWATER+ (electrolyzed water) wand cleaning and bowl PREMIST to keep the toilet cleaner.

The expecting/new parents: Pregnancy can make it awkward to use the bathroom. And post-partum care and cleansing can be a real challenge. TOTO WASHLET bidets offer moms a warm seat and personalized cleansing options that provide gentle warm water cleansing and drying without the strain of trying to reach to wipe with harsh toilet paper. Plus, bidets can soothe inflammation and soreness, and reduce the risks of concerns like UTIs. Moms and dads will love the WASHLET C5 that has dual action spray with oscillating and pulsating water massage features, slim wireless remote and on-demand wand cleaning with EWATER+ option.

The self-care king/hygiene queen: More doctors are recommending washing with water for numerous health benefits. Using a TOTO WASHLET bidet seat is more hygienic and comfortable than toilet paper, offering unparalleled confidence and cleanliness without the itch and discomfort that can come with toilet paper. Using a bidet can even help reduce and ease hemorrhoids and help with issues like Crohn’s disease or IBS. Consider the WASHLET S7 for continuous warm water and energy savings, four users’ personalized memory settings, night light, seamless seat design and automatic open/close lid.

Gifts for environmentally conscious: Bidet seats provide comfort and cleansing while using 75% less toilet paper. Eliminating just one roll of toilet paper saves 37 gallons of water, according to Scientific American. Self-cleaning features reduce the need for frequent cleaning and the use of harsh chemicals. Adding a WASHLET bidet seat to a low-flow, water-saving toilet can make a significant difference in your household’s water consumption. Also, TOTO does not just make sustainable products, it is a global leader in sustainability practices.

Gifts for the traveler/person on the go: People are back in travel mode and want to feel their best whether they’re going near or far. The Travel WASHLET provides a portable, personal version of TOTO’s popular bidet technology for when you are away from the comforts of home or in a less than ideal restroom situation.

Whether a special gift to a loved one or a gift to yourself, adding a bidet seat to an existing toilet is a quick DIY way to turn a bathroom into a personal sanctuary. This accessible luxury provides comfort and hygiene and makes self-care a priority all year long.

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Interstitial Lung Disease Deserves Attention Among Veterans

2023-12-11T08:01:00

(BPT) – By Divya Patel, DO, MBA and Director of Clinical Development and Medical Affairs for IPF/ILD, Boehringer Ingelheim

Upon their return from service and in the decades that follow, veterans can face a myriad of health issues that have a long-term effect on their well-being. The prevalence of health issues like post-traumatic stress disorder, substance use disorder and traumatic brain injury have been well-documented among a veteran population. The mental and emotional toll of these issues is profound, so much so that it can be easy to overlook physical symptoms of other service-related disease risks. But when we consider the health risks facing veterans today, we cannot overlook the long-term effects of toxic substance exposure on lung health.

As a result of their exposure to toxic substances like smoke and fumes from open burn pits, sand, dust, and other particulate matter or mechanical fumes from fuel or aircraft exhaust, veterans of the Gulf Wars or post-9/11 eras are at an increased risk for developing chronic lung diseases, including interstitial lung disease (ILD). While ILD is considered rare, it refers to a broad category that encompasses more than 200 lung disorders marked by scarring and inflammation, commonly referred to as pulmonary fibrosis. It can affect anyone regardless of age, race, background and health status but exposure to toxic pollutants can greatly impact a person’s ILD risk.

Research indicates that the number of veterans exposed to these pollutants is significant. Based on the latest data available from July 2023, 1.9 million veterans screened for exposure to airborne hazards and pollutants had at least one exposure to these pollutants during their time in military service.

The symptoms of ILD are often similar to those of other lung diseases, and commonly include shortness of breath, a persistent dry cough and fatigue. Because these symptoms are indistinct, many people who have an ILD delay seeking care because they attribute their symptoms to factors like declining fitness level, aging, a history of smoking or other co-morbidities.

As we have likely all done at one time or another with personal health issues, it can be easy to brush off symptoms. But most forms of ILD are progressive, meaning scarring and inflammation can worsen over time and ultimately progress to a point where symptoms are impossible to ignore. People living with progressive forms of ILD often cite a feeling of breathlessness, so much so that it can be difficult to complete everyday activities like climbing the stairs or taking a walk. Not only can this make daily life more difficult, but these worsening symptoms can also be a sign of declining lung function.

The progressive nature of ILD underscores why it is imperative for people who are at risk for this disease—including veterans—to not only know and understand their unique risk factors, but to treat the symptoms of ILD with the same urgency and attention that is paid to other health issues.

Recent findings support the need for greater awareness of ILD among the veteran community. From 2010 to 2019, the incidence rate of ILD in veterans more than doubled. While this increase in diagnoses is staggering, it has also spurred action. In response to this increase in chronic lung disease diagnoses among veterans—many of whom have spoken out about their symptoms and the risk of exposure—President Biden recently signed a piece of legislation that makes it easier for veterans to understand their risk for ILD and be connected with a care provider.

The Promise to Address Comprehensive Toxics (PACT) Act is a piece of federal legislation that expands Veterans Affairs (VA) healthcare benefits to cover more than 20 presumptive conditions for toxic exposures experienced during military service, including pulmonary fibrosis and ILD. Thanks to the PACT Act, veterans may have the opportunity to receive an initial chronic lung disease screening, plus a follow-up screening at least once every five years. Veterans who meet the eligibility requirements but who are not currently enrolled in VA healthcare may also have an opportunity to receive the screening upon enrollment. More information and resources are available on the VA website.

As we continue to examine how we can best serve our veterans from a healthcare perspective, it is imperative that we continue to commit to understanding the long-term respiratory health risks of military service and working with the VA and other practitioners to identify and mitigate these risks.