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Refresh for wellness: Luxe bathroom upgrades breathe new life into dull, outdated spaces

2023-06-08T07:01:00

(BPT) – Are you looking for a way to update your home that will make a positive change to your daily routine? Despite being the most highly trafficked area in the house and one that can greatly impact a home’s value, bathrooms are often left outdated. However, with high mortgage rates keeping homeowners in their current homes and remodeling combined with a new pandemic-fueled focus on hygiene in the home, the bathroom is emerging as a priority home refresh project.

A bathroom is a place people spend time doing daily self-care, but recently bathrooms have also become personal escapes from the world’s distractions. Common ways to refresh your bathroom include repainting walls in a fresh hue, adding modern lighting, replacing outdated faucets, and swapping out lackluster showerheads. Homeowners can elevate their bathroom into a space of comfort and wellness with upgrades that blend the latest in design, technology and eco-friendly features. Which is why it is important not to forget the toilet.

Updates that elevate.

Many toilets are in desperate need of a replacement to increase water efficiency and functionality. Others simply need a modern update. But most people do not realize how much their toilet can level up their own hygiene and self-care. Bidets are incredibly popular overseas in Europe and Asia and are found in the best hotels, restaurants and spas across the globe. It is no wonder why, according to design experts, bidets are one of the top bathroom trends for 2023 here in the U.S.

There are several bidet options based on your needs, space and budget. Adding a toilet with a bidet or bidet seat is an impactful way to add luxury and wellness to tired bathrooms without a complete renovation. In fact, replacing the toilet with a new model is a simple task that can often be done without a plumber, and adding a bidet seat to your toilet is an easy DIY project that can be finished in less than an hour.

Bidet benefits

Self-care and cleanliness are important for people of all ages, especially as the world emerges from the pandemic. Bidet technologies allow you to create a personalized cleansing experience in your home. Noteworthy bidets and smart toilets have advanced features like touchless technology and self-cleaning capabilities that reduce the spread of germs passed from flushing and wiping.

When the cleansing cycle is activated, a streamlined wand extends from beneath the seat to provide an adjustable flow of clean, warm aerated water for an exceptionally comfortable cleansing experience. The bidet then dries you with warm air, which nearly eliminates the need for toilet paper. Built-in deodorizers neutralize odors through a carbonized air filter, ensuring a fresh experience for everyone in your home and minimizing the spread of germs. Additional features that automatically raise the toilet seat and provide a night light add safety and convenience. These are especially useful for children or people with mobility issues.

Bidet seats like the WASHLET S550e also include comfort-first features found on TOTO smart toilets, like a heated seat and wireless remote for adjusting water temperature and pressure. They are also easy to install on most existing toilets. If you are looking to completely replace your old commode, look for a combined unit like the Drake WASHLET+ C5, a high-efficiency toilet with a WASHLET bidet seat, or the modern-styled silhouette of the NEOREST line of smart toilets, which deliver the latest tech with a sleek style that accentuates any bathroom aesthetic.

High-efficiency toilets from TOTO with bidets have pre-cleaning and advanced flushing features that cut down the need for harsh chemicals in cleaning the bathroom and reduce the need for toilet paper by 75%, making them a healthier, eco-friendly choice. The WASHLET, WASHLET+ and NEOREST clean themselves following each use with TOTO’s EWATER+ (electrolyzed water), which mists and cleans the wand and bowl after every use.

Bathroom refresh inspiration

Updating your toilet with a bidet is a worthwhile investment for people choosing to stay in their current home and improve their most in-demand space to keep their loved ones clean and comfortable. Whether you want an all-in-one smart toilet or a bidet seat that fits on your existing toilet, there is a bidet option that will help you create a cleaner, more luxurious experience in time for summer. Learn more at TOTOUSA.com.

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5 easy, fun ways to keep your cool this summer

2023-06-07T08:01:00

(BPT) – You know they’re coming — those “dog days” of summer when you’d think you could fry an egg on the sidewalk. While some parts of summer are nothing but fun, it’s important to find ways to stay cool so you can keep on enjoying the sunshine.

Here are some tips to help you keep yourself — and your whole family — nice and cool, whatever you’re doing this summer.

1. Have it made in the shade

Especially when you’re being active outdoors, staying out of the bright sun during the peak midday hours can help take the heat down a notch. Take advantage of natural shade like leafy trees or use whatever shade is available where you are. Another option is to bring along a large umbrella to help you get a reprieve from the full sunlight. Even a wide-brimmed hat can help you enjoy a bit of shade. Remind kids to take a break in the shade, too — it’s easy to forget when you’re out playing with your friends.

2. Learn to pace yourself

When you or the kids are exerting a lot of energy doing outdoor chores, exercising or playing sports, it’s important to recognize when you might be overdoing it — before that happens. Remind yourself to take more than your usual breaks from exertion when it’s hot outside, even when you’re having a lot of fun.

3. Enjoy a cold, tasty treat

Nothing tastes better and cools you off quicker on a hot day than a stop at Freddy’s Frozen Custard & Steakburgers. Churned fresh every morning and throughout the day in each restaurant, a fresh batch of their delicious Frozen Custard always awaits you. It’s slowly churned to create a rich, creamy treat the whole family will enjoy. You can order online or via their app for pickup, drive-through, delivery or to eat in at one of their many locations on Freddys.com/order. Choose vanilla, chocolate or half and half, plus up to 5 of their 26 tasty toppings, from fresh strawberries and pecans to sweet treats like cheesecake pieces, Heath toffee and hot caramel. Freddy’s frozen custard can be topped in a sundae, blended into concrete or mixed into a shake or malt — it’s up to you. Need a whole meal? Enjoy one of their famous Steakburgers made with 100% premium beef and hand-crafted right when you order to ensure freshness. The patties have thin, crispy edges and a thicker, juicy middle. Visit Freddys.com to learn more.

4. Hydrate often

Take frequent sips from your water bottle, no matter what you’re doing in the heat. Be sure to pack extra water bottles if you’re going to be outside for a while, and include ice inside the bottles to help your water stay nice and cool. Kids also need reminders to take frequent drinks while they’re playing.

5. Let water cool you down

Being in and around any form of water is one of the best — and most fun — ways to stay cool, whether you’re swimming, dangling your feet in the water or just splashing around. Try using a portable misting fan to help you stay comfortable in the heat. Or if you’re bringing along a cooler, pack a few damp washcloths along with your cold pack that you can place on your face or neck for a quick cooldown. When all else fails, go ahead and run through the sprinkler! You’re never too old to enjoy that refreshing feeling.

These easy tips will help you beat the heat all summer long, so you can have a blast with your friends and family.

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From burnout to balance: 5 ways to prioritize self-care when caring for a loved one

2023-06-07T05:01:01

(BPT) – In honor of World Caring Day, a global celebration of compassion and support, we delve into the vital role of caregivers and the significance of self-care in their lives.

Whether you’re a parent, spouse, sibling, grandparent or other relative or friend caring for a loved one, you play a vital role in their well-being. Caring Bridge — a nonprofit that provides no-cost dedicated, private, ad-free space for communication, support and connection for a loved one’s health journey — is bringing awareness to the role of family caregivers and how they can care for themselves. Read on to learn about the three signs that you may be in a caring role and tips on nurturing yourself today and beyond.

Do you care for a loved one?

Often, family carers don’t realize they’re in a caregiving situation. For example, a husband may temporarily take care of his wife, who’s broken her leg and help with activities and tasks she can’t do independently because of her injury. Or perhaps an adult child finds that their mother increasingly relies on them for care after a dementia diagnosis.

Whether a medical condition is temporary or permanent, many family members become care participants in their loved ones’ lives without knowing it or meaning to. Here are three signs that you may have transitioned into a care role.

  • You have increased responsibilities for the well-being and care of a loved one. This may include providing emotional support, managing medical appointments, assisting with daily activities or coordinating care services.
  • You’ve had lifestyle adjustments, such as changes in routines, living arrangements or career choices, to care for your loved one.
  • Your relationship with the person who receives your care and others in your life has changed. You may feel stronger bonds with the person you care about and experience strain or tension in your relationships because of your responsibilities.

Not all of these signs may apply to everyone. Family care participants have a variety of experiences. Whether they identify as a caregiver, carer, care participant, care partner or avoid labels altogether, they provide invaluable support to their loved ones.

However, to care for others, it’s critical that you also care for yourself. Your well-being should also be as much of a priority as that of your loved one. Here are five ways you can care for yourself while participating in care for others.

1. Practice stress management

The extra responsibilities of being a care partner can be stressful, especially if you have no or minimal help and support. It’s important to take breaks from caring and focus on your needs.

Consider engaging in activities that can help reduce stress to maintain your well-being. Some healthy ways to manage stress include deep breathing exercises, meditation, yoga, walking, running, spending time with friends or any activity you enjoy.

2. Care for yourself

You work hard, and it’s important to remember that you deserve care too. Set time aside every day to take care of you! Take a walk, read a book, watch a movie, paint or write. Anything that makes you feel happy and relaxed is worth doing so you can prioritize yourself while still helping others.

If your financial situation allows, enjoy a spa day, get a manicure and pedicure or book a massage. These forms of self-care can get you out of the house and allow you space and time to focus on nourishing yourself.

Don’t wait until you feel burnt out to enjoy some self-care. If your schedule and budget allow, set regular weekly or monthly appointments that you can look forward to and know that you can also receive care.

3. Prioritize your health

It’s easy for carers to ignore their health when they’re busy helping others with daily tasks. However, you can’t neglect your health. Just like airplane safety videos remind you, it’s important to put on your own oxygen mask before assisting others.

Take stock of your health. If it’s been a while since you’ve had a preventative care visit or need another medical appointment, it’s a good idea to book now so you can work it into your schedule. You can also care for your physical and mental health by eating a balanced diet, exercising, journaling and sleeping well.

4. Maintain relationships

Many people who care for their loved ones say they feel overwhelmed, isolated and lonely as they support their family member’s health journey. These feelings aren’t just emotional burdens.

According to findings by the U.S. Surgeon General, prolonged loneliness is akin to smoking up to 15 cigarettes a day. Also, poor social relationships, social isolation and loneliness can increase your risk of heart disease by 29% and stroke by 32%.

To improve your stress response and minimize the negative health effects of stress, it’s important that you stay socially connected. Schedule regular get-togethers with friends, pursue hobbies or interests with others and reach out for help when needed.

5. Find community

Not everyone understands what you’re going through in your specific caring situations. Still, many people provide care to family members just like you. You can feel less alone, ask for advice and find community with other family caregivers through support groups.

One way you can share your experiences, build connections, find comfort and receive valuable insight from others who understand is by visiting CaringBridge.com. Here, you’ll find resources and a community that can help you feel less alone and overwhelmed in your role as a carer.

You can also create a CaringBridge site to easily communicate health updates to a group of loved ones. The nonprofit solution is no cost, easy to use and designed to share your family member’s health journeys all on a private communication platform with no ads. To learn more or make a donation, visit CaringBridge.org.

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Say Goodbye to Stretch Marks and Hello to Smoother-Looking Skin

2023-06-07T05:01:01

(BPT) – Stretch marks — you know them as those annoying long, narrow streaks, stripes or lines that can develop on your skin. They tend to pop up when your skin becomes stretched out or starts to sag, especially during periods of rapid growth, weight gain or loss, or pregnancy.

Anyone can develop stretch marks, but they are most common in women. They can show up on your stomach, thighs, hips, breasts, upper arms and lower back. Additionally, genetics play a role in determining who is more prone to developing stretch marks, meaning you might have your parents to thank for this unique feature.

Unfortunately, until now the most common ways to improve stretch marks have been to apply Vitamin E, cocoa butter and skincare products with glycolic acid, but it can take a long time to see any significant improvement with these topical products. Recent advancements in technology have brought about a new solution for reducing the appearance of stretch marks, especially the hottest trend right now, microneedling. But how can you boost an already great treatment? Enter Secret® PRO from Cutera®, the secret weapon for reducing the appearance of stretch marks and signs of aging.*

Secret PRO takes a unique approach to skin revitalization by combining two powerful technologies — fractional CO2 laser and radiofrequency microneedling. These two modalities work safely and effectively to treat the deepest layers of your skin where stretch marks turn up. While the CO2 laser targets the outermost layers of the skin, Secret PRO’s effective RF energy can reach down to the deeper layers of your skin to stimulate collagen remodeling and brighten and smooth the skin for a revitalized appearance overall.*

According to Facial Plastic Surgeon Prem Tripathi, MD, MPH of Silhouette Aesthetics in Livermore, CA, “The Secret PRO delivers amazing results. We can customize a treatment program for each individual patient to achieve the best possible results for a wide range of skin concerns. One of the areas where this innovative dual technology is very effective is for patients who are concerned about stretch marks.”

“This treatment utilizes microneedles to deliver RF energy into varying skin levels, allowing us to tailor treatments to each patient’s concerns. For example, radiofrequency with the Secret PRO is an ideal treatment for any area you are bothered by from aging, weight gain and loss, as well as childbirth. We can reduce the effects of sun damage, improve skin texture and tone, and promote collagen production to reduce the appearance of stretch marks, scars, and fine lines and wrinkles with fractional skin resurfacing,” says Dr. Tripathi.*

Dr. Tammy Chen of Central Park Laser Aesthetics in New York City uses the Secret PRO to address her patients’ face, neck, chest, as well as surgical scars and stretch marks for men and women.* “The results we can achieve are incredible. I call it a non-surgical lift without the downtime associated with more invasive options. There is minimal swelling and downtime for most of our patients so they can get back to their busy lives very quickly.”

“Since Secret PRO treatments are non-invasive, there is no need to undergo anesthesia. We use a topical anesthetic to keep patients comfortable and the treatment typically takes about 30-40 minutes. They just lay back, relax and watch TV or chat with me while I do the treatment. The procedure is well tolerated, and patients are excited to come back for more treatments.”†

“It is very safe and the results we can achieve are more natural looking than many other invasive treatments. Patients can achieve the visible results they are looking for with little to no downtime. We can use the Secret PRO safely for all skin types, from very fair to light brown skin that tans easily,” says Dr. Chen.‡

Want to find out if you are a candidate for Secret PRO? Find a Secret PRO practice near you.

*By way of resurfacing and hemostasis and coagulation.

†Patient results may vary.

‡CO2 can only be used for Fitzpatrick Skin Types 1-4.

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What the brands you love are doing to keep your data safe

2023-06-06T08:01:00

(BPT) – Nearly one in four people recently shared they would rather give up chocolate for the rest of their lives than be subjected to digital fraud. Unfortunately, fraud is on the rise, with three in ten consumers sharing that they have experienced fraud in the past three years, according to new research from Telesign. Of those surveyed, 61% reported financial losses and 40% said the stress of the experience impacted their daily lives and changed their expectations of digital interactions.

With fraud losses at an all-time high, 94% of consumers agree that businesses bear the responsibility for protecting their digital privacy. In fact, 43% of those whose personal information was exposed due to a data breach stopped associating with the company that failed to protect their data. The effect of a bad actor is not limited to the original consumer, as 44% of those reported telling friends and family not to associate with the brand, while 30% posted about the fraudulent incident on social media.

Despite the prevalence and consequences of digital fraud, consumers sometimes push back on some common fraud prevention measures. Approximately 70% of online shopping carts are abandoned before checkout, and the most cited reason is the friction created when customers are asked to verify their identities.

Think of friction in the digital economy as anything that gets in the way of someone’s digital or online experience. Consider your own digital accounts for a moment. When you sign up for a new app or service, your interest probably wanes, or you become distracted when you encounter a burdensome registration or sign-up process. And if you’ve decided to jump through all the proverbial safety hoops, you’ve likely asked yourself, “why is this necessary?” before completing the transaction.

Most consumers have grown accustomed to some level of friction even if they don’t fully understand the purpose it serves. Friction adds an additional layer of protection by making it more difficult for malicious actors to gain access to your account or personal data.

But not all friction is bad. Appropriate friction is a new term being embraced in the digital economy, partly because research is showing that the right amount of friction can enhance the user experience. Further, it can actually build trust. Appropriate friction can make consumers more trusting of a brand’s digital app or service, boost loyalty, and enhance the desire to do business with that brand.

But what does appropriate friction look like? And how can consumers spot the brands employing it to keep their identity and data safe?

For digital users, the good news is that appropriate friction doesn’t have to be all that, well, frictional. And for businesses, defending against fraud doesn’t have to come at the cost of a smooth user experience. Take the sign-up or onboarding process, for example.

Onboarding is the process of subscribing or signing up a new user to a digital platform and is a crucial first step in the relationship between a consumer and a brand.

The experience should be designed for ease but also to minimize fraudulent activity and prevent bots from infiltrating your digital accounts. Done poorly, onboarding is frustrating and can drive away potential users. Done well, it establishes trust by verifying your identity and providing access to the platform while reinforcing the assurance of safety and respect for your personal information.

Consumers look for brands that offer a streamlined yet effective digital experience. This is particularly true with digital services like online banking and finance, e-commerce, or gaming. A little more friction in these moments may look like one-time password requests or two-factor authentication. These are good signs of appropriate friction designed to keep your information safe. It can also prevent children from accessing parental accounts and racking up unwanted charges or viewing content that is not age-appropriate.

Deciding whom you can trust in the digital world can be difficult. The most trusted brands are the ones striking the right balance — providing the right amount of appropriate friction at the right time in the short term to build the kind of trust that creates lasting relationships in the long term.

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One program provides great value and support to new parents

2023-06-06T08:01:00

(BPT) – From the moment you find out you’re expecting a baby, your life is forever changed. Having a child is an adventure that brings a mix of emotions — from excitement and joy to anxiety and downright confusion. It’s important to have support, and there are programs specially designed to help you wherever you are in your parenting journey.

One such program is Enfamil Family Beginnings. You can join for free to access a variety of benefits that will help provide important support in the time leading up to baby’s arrival, through the first year, and beyond. What type of benefits does Enfamil Family Beginnings® offer? Here are four of the biggest benefits that only members receive:

Welcome Wonder Box

When you sign up for Enfamil Family Beginnings, you may be eligible to receive a Wonder Box care package filled with products for your baby. This adorable box has formula samples and supplies right when you need it most — close to or right after your baby is born. This special box comes from a brand you can trust with over 100 years of experience helping feed infants and providing support to new parents and caregivers.

Discounts, rewards, & promotions

Who doesn’t like saving money? As a member, you can receive discount checks and digital rebates on Enfamil® products, which can make a big difference when it comes to the family budget. There’s plenty of fun stuff, too. For example, get an adorable set of Belly Badges™ that are the ideal prop for infant photos so you can capture milestones and special moments — like ages by month, fun firsts and holidays.

By joining Enfamil Family Beginnings, you also join the Enfamil Rewards program! Earn points on select purchases, referrals, and more. Redeem points for rewards like rebates on Enfamil products.

Weekly tips tailored to you

Whether you’re pregnant and don’t know where to start, or you have a newborn and are starting to get in the swing of things, members receive emails with expert developmental and nutrition tips tailored to your journey. Want even more info about your little one? Read articles, participate in polls and more — every activity earns points toward Enfamil Rewards, which can be redeemed for formula rebates, supplies, and baby gear.

Ask a Nurse help line for fast, trusted support 24/7/365

As the saying goes, babies don’t come with manuals, so it’s common for parents to have a lot of questions. Fortunately, Enfamil Family Beginnings members can get support and expert answers to many pregnancy, pediatric health, and infant development questions through the Ask A Nurse program. From concerns about colic and coughing to breastfeeding, pediatric and OB/GYN registered nurses can help at no cost to you. Whether you’re at home, traveling or visiting relatives, Ask a Nurse gives you access to professional healthcare guidance you can trust, at a moment’s notice. Whether you want to check a symptom, get a second opinion, or simply have some peace of mind, the Ask a Nurse service can be accessed for free from any device at any time, and you’ll get a response within minutes. Ask a Nurse is currently not yet available in the following states: AK, HI, MN, NC, NV, OH, OR, PA, RI, TX VT, WA, DC.

This service is not a substitute for professional medical diagnosis or treatment and should not be used for emergencies.

Enfamil also has consumer resource specialists available to speak with online or over the phone. These specialists are available to answer any product-related questions on Enfamil’s website or by calling 1-800-BABY123.

To learn more and become an Enfamil Family Beginnings member for free, visit Enfamil.com/baby-formula-coupons-samples. Parents and caregivers can receive exclusive rewards, savings, and support for their little one(s).

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5 tips to make summer entertaining a breeze

2023-06-06T08:05:00

(BPT) – Summertime is all about gathering together and having fun outdoors. The warm sunny days and long, balmy evenings make it easier than ever to enjoy spending quality time with your friends and family. To ensure an easy and nutritious get-together this season, Registered Dietitian and Nutritionist Dawn Jackson Blatner shares some of her tips to help simplify summer entertaining while adding more fun and flavor, too.

1. Pick a theme

To create a memorable gathering and simplify your planning process simultaneously, brainstorm a fun party theme to help coordinate your decorations, refreshments, music and activities. Get creative with themes like “Surfer’s Paradise” or “’80s Night.”

2. Create a seasonal menu

Develop your menu using plenty of seasonal produce. Getting produce that’s in season will be more flavorful and delicious, plus it tends to be on sale and less expensive. There are lots of summertime fruits and veggies that are perfect for parties such as watermelon, berries, corn on the cob, tomatoes, cucumbers, green beans and zucchini.

3. Streamline setup and cleanup

Use non-breakable dishes to keep cookouts safe and fun. If you don’t want to use disposable plates and cups, consider getting a set of washable plastic dishes designed for outdoor use. You can also set out containers labeled for trash and recycling so it’s easy for you and your guests to clean as you go.

4. Bring on the fun and games

Help keep your get-together lively and active with a selection of fun outdoor games that are great for all ages, like wiffleball, croquet or badminton. These games add lots of enjoyment and laughs, plus it gives your party a healthy dose of energizing, feel-good fitness.

5. Choose nutritious, easy-to-prep recipes

The best party food is simple to make, nutritious and tasty for both adults and kids. For the perfect outdoor summer brunch or lunch, try these Tortilla Egg Roll-Ups from Eggland’s Best — they’re an easy hand-held snack that adds protein, nutrients and color to any table spread!

Blatner recommends using Eggland’s Best eggs because they contain six times more Vitamin D to support cognitive wellness, immunity and healthy bones and muscles. They also contain more than double the Vitamin B12, which provides a natural energy boost, 25% less saturated fat and more than double the Omega-3s compared to ordinary eggs.

Tortilla Egg Roll-Ups

Prep time: under 5 minutes
Cook time: under 5 minutes
Yield: 4 servings

Ingredients
4 Eggland’s Best Large Eggs
4 teaspoons extra-virgin olive oil
1/2 cup shredded cheddar cheese
4 whole grain tortillas (6-inch)
Optional mix-ins: finely chopped spinach, tomatoes, bell peppers

Preparation

1. Over medium heat, warm a 6-inch skillet.
2. In small measuring cup, scramble one Eggland’s Best Egg.
3. Add 1 teaspoon of oil to skillet, pour in the egg, and swirl so it covers the bottom of the pan.
4. Sprinkle on 2 tablespoons of cheese and optional mix-ins.
5. Let egg cook about 30 seconds, or until the bottom is cooked, but the top is still a little wet.
6. Press 1 tortilla right on top of the wet egg, and cook another 30 seconds (the egg and tortilla will stick together.)
7. Using a spatula, flip the egg and tortilla over, and cook another 30 seconds until the egg is fully cooked.
8. Remove from pan, let cool slightly, then roll it.
9. Repeat for remaining eggs and tortillas.
10. Eat immediately or store covered in the fridge for up to four days.

You can even make extras to keep in the freezer for up to three months. For more recipe inspiration for your next gathering, visit EgglandsBest.com.

Using these tips, you’ll be able to throw a crowd-pleasing get-together that your friends and family will be talking about all summer long!

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5 tips to stay organized during the shift to busy summer schedules

2023-06-06T10:01:00

(BPT) – As another school year ends, families everywhere are shifting gears to start preparing for their summer schedules. Between daily activities and playdates, summer classes, camp and family vacations, keeping tabs on your family’s to-do list over the summer can begin to feel as hectic as the school year. Fortunately, there are useful tools and strategies to help you remember important dates, deadlines and schedule changes that are part of every family’s summer plans.

Here are some tried-and-true strategies for keeping everyone in your household on track, from the end of this school year through getting ready for the next one.

1. Set action time each morning

Often feel like small tasks get pushed? When you know you have to schedule an appointment for a family member, do you say to yourself, “I’ll do it later” or “I’ll do it tomorrow,” but then tomorrow turns into a month from now?

No need to fret, set daily “Action Time” to keep you on track! In the morning, take 10 minutes to schedule those appointments and cross small tasks off the list. A little each day will help you to stay productive and maintain organization for the family and yourself.

2. Write. It. Down.

With so much happening every day, your brain is bound to get overloaded, which can cause you to forget things you intended to accomplish. All of a sudden, you’re standing in front of your freezer staring at frozen meat and have no idea why you opened the freezer in the first place.

When something pops up that you need to remember, whether you are on the go or at home, jot it down with Post-it® 100% Recycled Paper Super Sticky Notes. They are convenient enough to keep on hand wherever you are — in the car, your pocketbook, bookbag, office desk, etc. and have 2X the sticking power to stick and re-stick to most surfaces. We especially love that they are made from 100% recycled paper so there is no guilt with use.

3. Use a family calendar

Having a centrally located, family wall calendar is one of the easiest ways to stay organized. Fill out your family calendar using Post-it® Super Sticky Notes which will allow you to easily add or move things around when schedules change. Coordinate different colors for camps, appointments, vacations, family game nights or whatever — and read your calendar with ease whether rushing out the door or during your morning action time.

4. Coordinate by color

To help you stay ahead of the chaos, let each child choose a different color Post-it® Note, so you’ll know which reminders or events relate to each child — and they’ll know how to find their own items on your family calendar. With so many colors to choose from, including collections like Wanderlust Pastels, Oasis and more, kids will find it fun to get involved in the process.

Kids can also use them to write notes to you, and you can use them to leave cheerful, encouraging messages while assigning weekly chores. They’ll last as long as you need, maintaining their sticking power throughout the summer and beyond.

5. Make it a family affair

Get kids involved by having them help manage their summer schedule. Encourage them to fill out their own notes so they can keep up with friends’ birthday parties and any other important dates. They’ll soon get in the habit of organizing themselves, while also helping you stay up to date with important happenings in their life.

Getting organized can be a challenging — and rewarding — task to complete. With the right tools and strategies that work for you and your family, getting organized may be the first thing you’re able to cross off your to-do list this summer. Find more tips on how to stay organized all year long at Post-it.com and follow @Postit on Instagram.

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How do college refunds work? Learn how to protect your investment

2023-06-06T12:01:01

(BPT) – It’s graduation season! If you have a high school senior, you’re probably busy planning a party or vacation to celebrate the end of their high school years. Last year, more than 20 million students enrolled in undergraduate and graduate programs across the U.S. If your child is one of the millions of students attending college this year, you also have a lot to do before the fall. However, it’s important to set aside time, even now, to plan for your college student’s freshman year and have tough conversations about what you’ll do in case they need to withdraw.

After all the effort going into choosing the ideal college experience, families don’t often consider what might happen if their child may need to leave school during their educational journey. But it’s a common enough occurrence that it’s best to be prepared. The National Student Clearinghouse found that one in four first-year college students don’t return for the second year. Often, leaving school is a tough decision for students and parents. It’s even more stressful when families can’t recoup the loss of tuition, housing and fees if their school doesn’t offer a refund.

Families are smart to not be surprised. Read on to see how you can protect your financial investment in your child’s education and receive a refund if they are forced to withdraw midterm due to legitimate reasons including accidents, injuries, or physical or mental health conditions.

1. Learn why students withdraw

Many students have to withdraw for medical reasons, including anxiety, depression, stress, mono, flu and concussions, just to name a few. Even for those who don’t withdraw, nearly half (41%) of students have considered withdrawing in the past year, with 55% citing emotional stress, according to the 2023 Lumina Foundation Gallup State of Higher Education Report.

Even if they feel that they need to withdraw, many students push themselves to the breaking point for fear of placing undue financial burden on themselves and their families. That’s why it’s important to talk with your child about how they’re feeling leading up to their fall semester and to check in with them as the term progresses.

2. Understand your school’s refund policy

Not knowing why and when your student can withdraw from classes can leave you scrambling should your student need a leave of absence. According to the 2022 College Confidence Index, 74% of students and 66% of parents are unfamiliar with their school’s tuition refund policy. Before taking your student to freshman orientation, make sure to review their school’s refund policy.

Most colleges don’t offer tuition refunds after the first few weeks of school and virtually no schools provide refunds for the cost of housing or academic fees, so it’s vital to know important withdrawal dates. Otherwise, you risk losing tens of thousands of dollars if your child is forced to withdraw midterm.

3. Determine if you could afford the cost of an extra semester

If your child’s school doesn’t offer a tuition refund or you want to be prepared in case your student needs to withdraw after the refund period, you’ll need to see if you can afford an extra semester. If you can’t, you’re not alone. More than half of parents (52%) reported it would be difficult for them to pay for the cost of an extra semester, according to the College Confidence Index. As college costs continue to rise, families have difficulty paying for a regular four-year degree, let alone tens of thousands of dollars for an extra semester.

4. Find out if your school offers tuition insurance

Many colleges and universities offer tuition insurance that provides a tuition refund if your student is forced to withdraw midterm. Your school may partner with an insurance provider like GradGuard, the only company in the country that provides up to 100% refunds for students who withdraw for a covered reason during the insured term.

While hundreds of schools from Auburn, Duke, Harvard, NYU, Purdue, Tennessee, and Vanderbilt provide their students with tuition insurance, some schools may not and it is useful for families to ask them for protection. The only alternative to an official school program is GradGuard, which offers plans to any student attending a four-year private or public nonprofit institution in the U.S. To learn more, visit GradGuard.com.

5. Know what tuition insurance covers

Not all tuition insurance plans offer the same coverage. Make sure you sign up for a plan that covers a variety of situations that could cause your student to withdraw from classes. Tuition insurance can reimburse the cost of a covered term, including tuition, housing and fees, in case of a covered medical withdrawal.

GradGuard’s Tuition Insurance plans can cover ordinary but serious medical conditions like mono and concussions. It also covers mental health conditions that can lead to unexpected withdrawals, including anxiety and depression.

Students who are struggling should not be burdened with feeling the need to stay in school for financial reasons alone. By being proactive, knowing your school’s refund policy and purchasing tuition insurance prior to the start of school, your family can have confidence that if your student needs to leave school for a legitimate reason, they can do so. Students can focus on their health and return to school when they are well again.

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New to Medicare? Here are 5 Medicare Mistakes you don’t want to make when enrolling in a Medicare plan

2023-06-06T09:01:00

(BPT) – As you approach the Medicare golden age of 65, the pressure to choose the right Medicare coverage is a real concern. So many things to keep in mind when choosing a plan. Will your doctors take it? Are your prescriptions covered? What will the copays be? It’s enough to make you want to scream!

We asked five top Medicare insurance agents at ClearMatch™ Medicare which mistakes their new-to-Medicare clients may have made … if they didn’t intervene.

1. My family member/friend told me their plan is the best plan.

“Don’t enroll in a plan because your friend or family member says that they have the plan, and it is the best plan. The plan may work tremendously for that individual who recommended it, but it may not meet what you are looking for,” says licensed Medicare agent Lawrence Yi. He’s been selling Medicare plans at ClearMatch Medicare since early 2020 and relates that no two people’s needs are alike. You need to shop and compare different plans to find the plan that is right for you — not your friend.

2. I don’t need to sign up for a Part D prescription plan.

“I always tell my clients they must get a separate plan for prescription drugs. Original Medicare does not cover drugs,” says Malba Wynn, licensed Medicare insurance agent with ClearMatch Medicare for over eight years. And while enrollment in a Part D plan is not required, you will face a penalty for the amount of time you went without prescription drug coverage for the rest of your life. So, long story short — you must enroll in a Part D prescription plan when you become eligible.

3. I’m not retiring yet, so I’ll stay in my employer plan.

“You should always do a comparison of your group coverage and Medicare,” Iris Nelson advises. Nelson knows all about Medicare plans and has been a licensed insurance agent at ClearMatch Medicare for over five years. “About 70% of the time, Original Medicare combined with a Medicare Supplement plan can provide more coverage at a lower cost than what you have through your employer. ” In this economic climate, not everyone can afford to retire at 65. But staying on your employer plan can cost you more in the long run.

4. Not knowing about a plan’s out-of-pocket maximum.

“When enrolling in a Medicare Advantage plan, be aware of the maximum out-of-pocket for the plan. That is the most you will pay in copays for hospital and medical expenses for the year,” notes Marcy LePage, ClearMatch Medicare licensed insurance agent for over 4 years. “It’s important that you know the max money you will pay if you are having a bad health year.” For example, if a plan’s out-of-pocket maximum is $6,000, you will need to spend that much in copays, deductibles and coinsurance for covered services before the plan pays 100% for costs for covered benefits. Just a side note: there is no maximum out-of-pocket with Original Medicare.

5. I can find a Medicare plan without anyone’s help.

“Many people try to learn Medicare on their own, which is great. But you should go over all your Medicare options with a licensed agent whose expertise is in Medicare,” says Joellen Ampagoomian, licensed Medicare agent at ClearMatch Medicare for eight years. “There are so many types of Medicare coverage: Supplements, Medicare Advantage plans, drug plans, dental, cancer, etc. Not all plans are made for everyone. It’s important to know all of your options when you are first enrolling, since your flexibility to make changes in the future may be limited.”

If you are new to Medicare, or just want to speak to someone about your Medicare options, the caring and knowledgeable agents at ClearMatch Medicare are licensed to sell plans from most of the top carriers in the U.S. Give them a call toll-free 1-888-921-1288/TTY: 711, Monday-Friday, 9:00 a.m.-9:00 p.m., and Saturday, 9:00 a.m.-3:00 p.m. (EST). You can also visit www.clearmatchmedicare.com 24/7 and compare plans online.