Category: Brandpoint Lifestyle

2024-10-01T09:31:00

(BPT) – By Christian Lau and Gene Perkins

October marks the beginning of Financial Planning Month, bringing attention to an important issue in the lives of many individuals and their families. Unfortunately, when it comes to finances a majority of Americans do not have a cohesive plan in place — recent data suggests that only about 36% of the population has any sort of written financial plan. This is completely understandable — many are intimidated by the idea of tackling a stressful and sensitive issue head-on, and even more have no idea where or how to start the process.

The good news is that it’s never too late to start building a financial plan. And with the end of the year approaching, now is an ideal time to take stock of your financial situation and take steps to mapping out a more successful financial future.

To help get you on track, here are a few things to consider when creating a financial plan.

• Take it One Small Step at a Time. Financial planning is like any other project — getting started is often the hardest part. Rather than considering the entire planning process all at once, which can be extremely daunting, break it down into small, achievable steps. For example, start by making a simple list of your short- and long-term financial goals. Then consider what basic actions you need to take — such as saving and budgeting — to arrive at those goals. Don’t worry about tracking down years of receipts and tax forms. Those more advanced actions can be determined at a later point in the process and with the guidance of a professional.
• Consider Your Household Balance Sheet. Once you have made an initial list of your short- and long-term goals, go a little deeper and consider your household “balance sheet.” This includes a slightly more detailed picture of income and expenditures; assets and liabilities; investments; and tax/titling considerations. Issues like estate taxes and family businesses may be included as part of this process.
• Create a Cash Flow Analysis. After the household balance sheet has been created, a more granular cash flow analysis can help identify if you are overspending and need to put more money into savings or retirement accounts to meet your financial goals. Cash flow analysis is an especially important part of planning for a major purchase (home, car, college) or life transition, such as graduation, parenthood or retirement.
• Consider a Financial Professional. Gone are the days when stockbrokers, advisors, and wealth managers were the domain of the elite and ultra-wealthy. Financial professionals nowadays are abundant, diverse, and ready to step in and help you get a plan together. What’s more, finding a qualified advisor that is suited to your unique situation has never been easier. There are subsets of professionals who specialize in specific disciplines — such as education, trusts and retirement planning — as well as professionals who serve specific demographic needs (elderly, single parents, young professionals and more). Start in your own network; ask friends, family members, and work colleagues if they have an advisor they would recommend.

Life can be unpredictable, but your financial future doesn’t have to be. This Financial Planning Month, take the opportunity to review your finances and goals with a trusted advisor. Now is the time to take that first step toward a more secure financial future. Reach out to Synovus to get started and to gain peace of mind.

Christian Lau is a Senior Financial Planner at Synovus Securities, Inc.

Gene Perkins is the Head of Private Wealth at Synovus Bank.

Disclosures:

Investment products and services provided by Synovus are offered through Synovus Securities, Inc. (“SSI”), Synovus Trust Company, N.A. (“STC”) and Creative Financial Group, a division of SSI. Trust services for Synovus are provided by Synovus Trust Company, N.A. The registered broker-dealer offering brokerage products for Synovus is Synovus Securities, Inc., member FINRA/SIPC and an SEC Registered Advisor. Investment products and services are not FDIC insured, are not deposits of or other obligations of Synovus Bank, are not guaranteed by Synovus Bank and involve investment risk, including possible loss of principal amount invested.

Synovus Securities, Inc. is a subsidiary of Synovus Financial Corp and an affiliate of Synovus Bank and Synovus Trust. Synovus Trust Company, N.A. is a subsidiary of Synovus Bank.

Synovus Bank, Member FDIC.

2024-10-01T08:01:00

(BPT) – Do you want to explore the sights, sounds, smells and tastes of unique cultures and landscapes up close and personal? If so, you might be attracted to “adventure” or “active” travel. However, those terms may conjure images of bungee jumping off a bridge or ziplining through a jungle, which might not be your style.

To help you sort the myths from the reality, the experts at Explore Worldwide explain the difference between your image of adventure travel compared to what they offer — small guided group tours that support you as you hike, bike or gently stroll your way through extraordinary destinations while soaking up the local culture for immersive travel experiences.

Myth 1: Adventure travel is dangerous. Booking with a reputable tour operator ensures a high standard of safety and security. Traveling in a group enhances your security, while your local leader who’s familiar with the destination, fluent in the language and focused on ensuring the well-being of the group further bolsters your safety during the experience.

You’ll have the best of both worlds — a safe tour experience that allows you to explore one-of-a-kind environments like this one:

Hiking Turkey’s Lycian Way: On this one-week walking trip, you’ll hike Turkey’s picturesque Lycian Way, including scenic coastal trails between little-visited ancient ruins and villages nestled in peaceful valleys and on tranquil beaches. Along the way, you’ll soak up traditional Turkish hospitality as you stop by teahouses and rest in rural village guesthouses.

Myth 2: Adventure travel is only for the young and fit. To find travel that best suits your abilities, look for a company that provides clearly graded levels of activity. Explore Worldwide caters to a diverse group of travelers, with an average age of 57, and their tours range from gentle sightseeing where you might spend the week exploring museums and locally owned farms all the way to more intense treks where your week is focused on summiting a mountain. All their trips are carefully graded so you can choose the level of intensity that’s right for you — relaxed, moderate or full-on, depending on your preference and ability.

For example, cycling trips are graded from Easy (typically flat, leisurely rides) to Challenging (hillier and longer routes). Most cycling tours are graded from Easy to Moderate, but keener cyclists can find some Challenging tours. Cyclists may enjoy:

Cycle the Dalmatian Coast: Breeze along the beautiful Dalmatian Coast on this one-week biking tour. You’ll pedal your way from Split to Dubrovnik, taking in ancient sites, medieval towns and fishing villages as you island-hop Croatia’s iconic coast. Pit stops will be planned at local wineries, stunning beaches and of course traditional restaurants to refuel on tasty grub.

Myth 3: You have to rough it. Enjoying an immersive experience in another culture doesn’t have to mean sleeping rough and skipping showers. Explore Worldwide provides clean, comfortable accommodations for all of their tours, along with the opportunity for a ‘softer landing’ through their new collection of Upgraded trips, ensuring an enhanced comfort level for travelers, like this one:

Upgraded — Discover Morocco: An adventure spanning Morocco’s stunningly diverse landscapes awaits. Starting from Rabat, with its easygoing seaside feel, explore the delights of Fes, visit ancient Roman ruins, sample fine Moroccan wines and watch the Jemaa el-Fna marketplace come to life in Marrakech.

Myth 4: You need to be an expert. With over 40 years of experience, Explore Worldwide staff are the experts, so you don’t have to be! All their tour leaders are either locals from the country you’re visiting, or on the more active hiking and cycling trips, are seasoned experts in their field. Their experts allow you to visit places you may not have considered tackling on your own, such as:

Historic Baltic Republics: This 15-day tour entices travelers with its fairytale-like charm during guided walking tours of historic capitals like Tallinn in Estonia. You’ll explore the drifting sand dunes of Curonian Spit National Park, and pause to appreciate the beauty of baroque architecture.

Myth 5: You need a lot of time. Many incredible experiences with Explore Worldwide await you within just one week, such as Walking the Amalfi Coast or exploring the Highlights of Costa Rica. On average, their most popular trips span between 8-10 days, and they’re perfectly crafted to maximize your adventure within that timeframe. You might also love:

Amalfi Coast Walking — Agriturismo: The Amalfi coast boasts postcard-perfect seaside towns and lush rural landscapes. You’ll walk the ancient stone stairways, limestone cliff paths and old mule tracks that link Campania’s picturesque villages, and discover Italian treasures from Ravello to Positano and Capri. After your day’s walk, relax and enjoy organic wine and farm-to-table food at a rustic agriturismo for a taste of Italian family life.

Myth 6: You must visit remote locations. While Explore Worldwide does feature many lesser-known destinations, their most popular trips are located within Europe. These offer a fantastic opportunity to enjoy iconic sights while also venturing off the beaten path, providing a perfect blend of famous attractions and hidden gems. For example:

Highlights of Mont Blanc: Adventurers on this eight-day tour through France will view the awe-inspiring Alpine peaks and snowy glaciers on treks through landscapes like the stunning Chamonix Valley, and sections of the famed Tour du Mont Blanc — the highest mountain in the Alps and Western Europe.

Myth 7: Adventure travel is too expensive. This is not always the case. For example, Explore Worldwide tours offer excellent value for the money, and optional activities and meals allow travelers to have more control over their budget while in each destination. Additionally, when booking with an operator, essential services such as local leaders and guides are shared across the group, making them more affordable when compared to arranging these services privately. Group travel can be especially helpful in locations that might be costlier traveling alone, and where there’s a language barrier:

Simply Japan: Visitors will experience a fascinating mix of modern and ancient Japan on a 14-day tour. You’ll witness a fire ceremony at Tokyo’s oldest temple, Senso-ji Temple, and enjoy stays in a family-run ryokan (traditional inn) and a Buddhist temple. You can opt for a day trip to Hakone National Park, boasting views of Mount Fuji, and visit Jigokudani Onsen, home to Japan’s famous snow monkeys.

Explore Worldwide offers opportunities to journey through a destination at ground level, for an experience you can’t achieve from the window of a tour bus or deck of a cruise ship. Their guided cultural discovery, walking and hiking, and biking tours provide groups of solo travelers, couples, friends and families — on average 11 people per group — adventures in remarkable locations worldwide. Local guides handle all the logistics, providing access to cultural experiences you can’t find anywhere else, for a truly unique, memorable journey.

“Adventure travel is on the rise, for good reason,” said Explore Worldwide Regional Director for North America, Katy Rockett. “Travelers seeking once-in-a-lifetime experiences will appreciate the opportunity to journey their way through exciting locations around the world. Our tour leaders know the best places to stop, find the views, enjoy a fantastic meal or visit cultural sites — and can answer all your questions about your destination.”

To discover your travel possibilities, visit ExploreWorldwide.com.

2024-10-01T08:01:00

(BPT) – As the leaves turn and the chill sets in, autumn is the perfect time to savor the rich, comforting dishes that define the season. Elevate your fall meals with Galbani Fresh Mozzarella, a versatile ingredient that effortlessly enhances your favorite recipes with its soft and milky texture and delightful flavor. Whether you’re preparing a cozy dinner, pizza, salad, or quick snack Galbani Fresh Mozzarella is your go-to ingredient for leveling up any meal.

Discover the ultimate fall comfort with these delicious recipes and tips from the mozzarella experts at Galbani Cheese, Italy’s #1 Cheese Brand:

Steak & Cheese Crostini with Autumn Chutney

Kick off fall gatherings with an elegant Steak & Cheese Crostini. Tender sirloin steak pairs with creamy Galbani Fresh Mozzarella, baby arugula, and a spiced chutney made with pears and cranberries.

Ingredients:

• Chutney: 2 pears (diced), 1/4 cup dried cranberries, 1/4 cup apple cider vinegar, 1/3 cup light brown sugar, 1 minced shallot, 1/2 tsp. cinnamon, 1 tsp. grated ginger, 1/4 tsp. red pepper flakes.
• Steak: 1 small sirloin steak, 1 Tbsp. olive oil, 1 tsp. Kosher salt, 1/2 tsp. black pepper.
• Crostini: 6 slices of Galbani Fresh Mozzarella—halved, 1 thinly sliced baguette, 2 Tbsp. olive oil, 1/2 cup baby arugula.

Directions:

• Chutney: Combine ingredients, and simmer until thick (15-20 minutes).
• Steak: Season and cook in olive oil until medium rare (125-130°F).
• Crostini: Bake baguette slices, add mozzarella and melt. Top with arugula, steak and chutney. Serve.

Fresh & Creamy Pumpkin Rigatoni

This dish combines spicy Italian sausage, tender kale and rich pumpkin sauce, with Galbani Fresh Mozzarella adding a creamy touch.

Ingredients

• 16 oz. Galbani Fresh Mozzarella, 1 lb. rigatoni, 2 Tbsp. butter, 1 small onion, 2 cloves garlic, 3/4 lb. Italian sausage removed from casings, 2 cups kale, 3 cups chicken broth, 2 cups pumpkin puree, 1/4 cup heavy cream, 1/2 cup sour cream, 1/4 tsp. nutmeg, 1/4 tsp. cinnamon, 1 tsp. Kosher salt, 1/4 tsp. black pepper.

Directions:

1. Preheat oven to 350°F. Cook pasta, drain.
2. Sauté onion and garlic in butter, add sausage, cook until done. Add kale, broth, pumpkin, cream, sour cream and spices. Mix with pasta.
3. Stir in half the mozzarella, transfer to a casserole dish, cover and bake for 25 minutes.
4. Top with remaining mozzarella, broil until melted and browned.

Tips for Working with Fresh Mozzarella

Working with fresh mozzarella can truly elevate your cooking, whether you’re crafting a vibrant salad or a hearty dish. To help you make the most of Galbani Fresh Mozzarella this season, here are some expert tips:

• Storage and Freshness: To keep your fresh mozzarella at its best after opening, store it in an airtight container in the refrigerator.
• Understanding Fresh vs. Regular Mozzarella: Galbani fresh mozzarella has a higher moisture content, resulting in a creamy, smooth texture that’s ideal for adding richness to dishes. It’s perfect when melted to elevate pizzas, pasta and paninis. In contrast, Galbani’s regular mozzarella is firmer and better suited for shredding and slicing.

For a simple way to elevate your fall dishes, let Galbani Fresh Mozzarella be the creamy secret ingredient your recipes have been missing. Discover more recipes and tips at galbanicheese.com/FallForFresh.

2024-10-01T07:01:00

(BPT) – As Halloween approaches, it’s the perfect time to curl up in front of a crackling fire on a dark and stormy night with a spooky read. Here are five spine-tingling books from National Geographic and Disney. They won’t scare you … much.

Go to Hell

By Erika Engelhaupt

Throughout history and across cultures, people have long been spellbound by what lies beyond our worldly realm. Now, in this first-of-its-kind travel guide, National Geographic invites readers to explore the world’s strangest and most hellish destinations. Filled to the brim with intrigue, lore, and plenty of brimstone and fire, readers can now add “hell” to their travel bucket list and embark on an unforgettable journey into Earth’s most mysterious and mythical places, including legendary portals to the underworld, “hells on Earth,” and our planet’s most otherworldly destinations.

Art of Coloring: The Haunted Mansion

by Disney Books

The legendary Haunted Mansion attraction and its ghoulish residents come (back) to life in this bewitching adult coloring book.

Scare up some fun coloring your way through whimsically macabre artwork of the ride’s grim grinning ghosts, scenes, and iconography. From Madame Leota, the Bride, and the Hatbox Ghost, to the Stretching Room, the Endless Hallway, the Graveyard, and beyond, there’s chilling fun for everyone—if you dare to venture inside.

Witches Run Amok: The Oral History of Disney’s Hocus Pocus

by Shannon Carlin

Hocus Pocus is a movie that has few, if any, equals; it manages to span a generational divide, uniting boomers and zoomers in their nostalgic love for the boundary-pushing supernatural comedy that, in some ways, seemed a little too risqué for its original intended audience of millennial kids. So how did a movie that didn’t catch an initial spark end up casting such a spell on mainstream culture? Witches Run Amok answers that question and more, through interviews from the cast and creative team behind the heartwarming Halloween staple. The book is a love letter to Hocus Pocus’s millions of devoted fans and a fascinating read for anyone who wants to understand how the Disney movie became a pop culture phenomenon.

The X-Files: Perihelion

by Claudia Gray

Fox Mulder and Dana Scully are still reeling from the death of their son William as they struggle to find purpose away from the X-Files. Though their current relationship is tenuous, they hope to seize their second chance to be a family, despite the many questions surrounding Scully’s pregnancy.

Then the FBI asks for their help on a case that hits all too close to home: a serial killer in the Washington, DC, area is targeting pregnant women. The killer appears to possess an uncanny power over electricity, which is enough for the Bureau to re-open the X-Files—if Mulder and Scully are willing. They cautiously agree, committed to finding justice for the killer’s victims. But their return to the FBI sparks the interest of a shadowy cabal, the heirs to the now-dead Syndicate, and Mulder and Scully soon discover that what at first seemed to be just another X-File is connected to a worldwide threat on an unprecedented scale … one with their own future at its heart.

Tim Burton’s The Nightmare Before Christmas Visual Companion

by David A. Bossert

A deep-dive reflection on the making of Tim Burton’s The Nightmare Before Christmas, this enchanting coffee table book features new interviews with the filmmakers and rare images from the Disney and Burton art collections.

Tim Burton’s The Nightmare Before Christmas was crafted as a piece of art: a visual masterpiece that blended together the genius of Tim Burton’s simple story and endearing characters with Danny Elfman’s eclectic music, Henry Selick’s stop-motion brilliance, Caroline Thompson’s heartfelt script, and the painstaking efforts of hundreds of artists, animators, and technicians—all wrapped in a world that only Burton could conjure up. Paired with stunning and never-before-released art and photography, this book transports readers into a one-of-a-kind retrospective journey detailing how Nightmare was thoughtfully crafted and all the ways in which the fan community worldwide has embraced the film ever since. This beautiful volume serves as the must-have book for fans of the film, artists and art collectors, and anyone who appreciates some frightfully good movie magic.

Celebrate Halloween this year with these spooky books. The trick is, they’re the real treat!

2024-10-01T08:31:00

(BPT) – Unlimited PTO tops the “workplace wishlist” for many employees, with 1 in 5 Americans saying they’d decline a new job if it didn’t offer the benefit, according to new Empower research. More than 2 in 5 say all companies should offer unlimited PTO (43%), but despite the popularity, there’s not much difference in the amount of time taken off per year, on average: 16 days for those with unlimited and 14 days for those with a limited policy. A two-day difference is small, especially when half (50%) say they’d take off more time if they had an unlimited policy, while nearly 1 in 4 say they’d take less time off (23%).

Over 4 in 5 workers (85%) say using their PTO to go on vacation increases their happiness, but 35% feel anxious requesting the time off. Nearly half of full-time employees (49%) check their work emails while on PTO, and 42% answer them. In the past year, close to 1 in 5 say they’ve taken a vacation without using PTO days or telling their supervisor; on average, they admit to doing so four times.

PTO perks & policies

When it comes to PTO, some employees believe it’s tied to time on the job: 77% say the more tenure a person has at a company, the more PTO they should get, and 37% believe unlimited PTO should only be available to more tenured staff. Over 4 in 10 say new employees should have to wait a year before qualifying for unlimited PTO.

Gen Zers are more likely to support unlimited PTO policies, with 51% believing that all companies should offer it, compared to 32% of Baby Boomers.

PTO strategies and the 4-day workweek

Half of people (51%) strategically schedule their PTO days around national holidays to make the most of their PTO usage. About a third (32%) use their PTO to visit destinations where they may want to retire.

Four-day workweeks are also an attractive benefit, with 16% of employees saying they wouldn’t accept a new job without this perk. One in 4 full-time employees are willing to take a pay cut for this arrangement. Of them, 11% say they’d take a cut of over $1,000, and 5% say they’d give up more than $5,000 for the privilege. Gen Zers show the most interest in taking a pay cut for this benefit (31%), and Millennials are most likely to consider taking a cut of over $5,000 (6%) to enjoy a four-day workweek.

Most desired employee benefits

More than a quarter (26%) would consider a lower-paying job if it offered unlimited PTO, while nearly 1 in 5 wouldn’t accept a new job without it (19%). On average, employees need at least 15 PTO days annually to consider taking a new job.

Methodology

Empower surveyed 1,028 full-time employees on July 24, 2024.

RO3817048-0924

2024-09-30T12:01:00

(BPT) – The fall and winter months bring many challenges to homeowners. Temperature changes and storms can overload the power grid and interrupt your electrical service, but did you know how you use electricity at home daily can also cause overloaded circuits?

For the fall and winter seasons, the professional electricians at Mr. Electric, a Neighborly Company, share tips to help you and your family stay prepared, warm and safe throughout the colder seasons.

Preventing dangerous circuit overloads

It’s probably happened to you: You’re running the dishwasher, then use the microwave, and suddenly, you’re in the dark. It may not be a big deal if you have a modern circuit breaker — you just go to your electrical panel and flip the tripped circuit breaker back on. But that’s not the whole story.

Overloading an electrical circuit by using too many appliances on one circuit is common but can cause problems. If it happens frequently, it could mean your system can’t keep up with your home’s electrical demands. Potential hazards caused by overloaded circuits may include fires, fried wiring, destroyed devices, and electrical shocks.

The best way to ensure your electrical system can handle your home’s current demands is by having a professional, trained electrician conduct a Home Safety Check. When Mr. Electric does a Home Safety Check, they conduct a thorough exam of your electrical system to make sure electrical wires, systems and components meet legal safety standards using the National Electrical Code (NEC) as their primary guideline. This is important for the safety of your home and everyone in it and will offer you peace of mind.

After completing a Home Safety Check, your Mr. Electric service professional will provide a detailed, prioritized checklist of areas needing immediate attention, plus recommendations for improvements and potential upgrades.

Weathering any storm

Being prepared for severe wintry weather involves many preparations. You can start by keeping up with the latest weather forecasts in your area, checking and restocking your home’s emergency kit, and reviewing your family’s emergency plans. You’ll also want to check your property’s exterior to ensure your roof, windows, and nearby trees are in good shape before storms bring wind, rain, snow, or other weather-related issues your way.

An electrical Home Safety Check can help determine how prepared your system is for potential severe weather during the winter months. One of the most common—and potentially most dangerous—aspects of these storms can be power outages due to high winds, fallen tree limbs, ice storms, and more. While a short-term power outage is inconvenient, it doesn’t take long for a nuisance to turn into a serious situation, especially when temperatures are frigid.

A whole-house generator can be a lifesaver to help protect your home from power outages no matter the season. Whenever the power goes out, a whole-house generator provides all the power needed to maintain your electricity, keeping your household safe, warm, and functioning through any storm.

The next question is, what type and size generator is best for your home? To help you determine the right generator for your home’s needs, you may want to consult a Mr. Electric service professional. They can help determine the wattage required for all your appliances so you’re not underestimating or overestimating the size of the generator needed. Getting the best fit for your home is important for safety, and can save money in the long run. A professional electrician can also ensure your generator is properly maintained for years to come.

After the storm

Following severe weather, schedule an electrical safety inspection to ease your mind about potential unseen issues. Always ask a professional before trying to fix or operate storm-damaged electrical devices.

Another way to protect your home from the consequences of outages is with a whole house surge protector. During a power outage, the loss of power is later followed by a sudden surge when power is restored — which is enough to overload your home’s electrical system. Without a whole house surge protector, your electronics can get fried, including everything from your TV and microwave to large appliances. A whole house surge protector helps protect all your electronics and appliances.

Weather is unpredictable, and being unprepared for severe weather can be serious. Take steps now to be better prepared when severe weather strikes. Mr. Electric has the experience and expertise to help prepare your home to keep your family safe, so visit MrElectric.com/prepared to find a trained, experienced electrician near you.

2024-09-30T16:01:01

(BPT) – Crystal clear turquoise seas, lush palm trees swaying in the breeze, powder soft white sand beaches … this is the Mexican Caribbean. From boho chic Holbox to luxurious Costa Mujeres, laid back Bacalar and beyond, the region offers pristine beaches, world-class entertainment, and breathtaking archeological sites steeped in Mayan heritage. It is also the perfect place for travelers seeking to recharge, rejuvenate and restore their souls while absorbing the natural beauty and magic of this signature paradise.

If this sounds like pure bliss, here are five types of Mexican Caribbean wellness experiences to incorporate into your winter escape.

1. Spas and luxury wellness centers

Where to stay in paradise? While there is no wrong answer, the renowned MICHELIN Guide recently unveiled its first-ever MICHELIN Key distinctions for the most outstanding hotels in Mexico. It is no surprise that 18 resorts and hotels in the Mexican Caribbean region were recognized with this distinctive honor, including several with exceptional wellness programs.

The Three Key Hotel Esencia in Tulum connects guests to nature through accommodations in individual beachfront bungalows and an organic spa with treatments incorporating local ingredients and practices inspired by ancient Mayan medicine. Palmaïa-The House of AïA in Playa del Carmen, a Two Key resort, is known for its plant-based culinary program, onsite cenotes, and all-inclusive wellness offerings rooted in local traditions such as meditation, breathwork, and sound healing. The One Key Nômade Holbox is a peaceful retreat surrounded by a nature preserve. Guests at Nômade are invited on a wellness journey through activities such as lucid dreaming, tarot readings, numerology and yoga.

2. Holistic healing and ancient rituals

The spiritualism of the Mayan culture permeates the Mexican Caribbean, and visitors can take part with holistic practices rooted in ancient rituals. Many opt for temazcal ceremonies led by a shaman in an insulated dome designed to promote spiritual healing, connection and physical cleansing. Mia Bacalar, Rosewood Mayakoba in Riviera Maya, and Xcaret in Riviera Maya are just a few of the properties where guests can experience the Pre-Hispanic rituals of the temazcal. Cacao ceremonies are another popular experience, fostering connection and self-exploration in a group setting through the consumption of pure cacao bean paste. Tulum hotels including Holistika, Dos Ceibas, and Jungle Lodge Boutique Hotel regularly offer cacao ceremonies. Guests at Nizuc, home to the first ESPA-branded spa in the Mexican Caribbean, can become acquainted with the healing properties of cacao during the Mayan Cacao treatment that includes a body exfoliation, soothing facial cleanse and de-stressing scalp massage.

3. Eco-friendly and sustainable fitness

The Mexican Caribbean offers fitness experiences that connect travelers with nature. Visit Tulum Jungle Gym on the beach or in town for a one-of-a-kind workout using equipment made from wood, stone, bamboo and other natural materials. Also in Tulum, Amansala is home of the beach bootcamp. Regular in-house retreats are offered for men and women that take advantage of the outdoors in activities like beach runs, sculpt classes, circuit training and more.

4. Rejuvenation

Hands-on treatments available at the numerous spas throughout the Mexican Caribbean provide truly rejuvenating effects inspired by Mayan culture. At Viceroy Riviera Maya’s Wayak Spa, the Akbal invigorating massage evoking ancestral blanket stretching techniques helps adjust posture and improve flexibility. The Yo’ki’b hot stone massage incorporates copal, a tree resin used as incense in ancient Mayan ceremonies to free bodily tension. At Habitas Bacalar, the traditional Mexican sobada uses cupping techniques and traditional Mexican cotton garments to achieve physical and spiritual alignment.

5. Nutrition and nourishment

Travelers seeking transformation inside and out can visit SHA Mexico in Costa Mujeres, one of only two locations of this renowned wellness center that helps guests regain health and restore balance. At SHA, fully customized programs are built for each guest based upon principles like healthy nutrition, natural therapies, preventive medicine, and more. Personalized healthy nutrition programs, cooking classes and three levels of diets to choose from are available to guests. Visitors in other areas of the Mexican Caribbean can find plenty of healthy dining options including Vegan Style and Herbívoro in Cancun, Vegan Caribe in Bacalar and Raw Love in Tulum.

Whatever the journey, especially if it’s the journey within, let the Mexican Caribbean be the guide.

2024-09-30T15:01:00

(BPT) – Many people have a hard time keeping up with their bills. More than three-fourths of Americans have some type of debt.

Fortunately, there are several options to get out of debt, including working directly with your credit card company or a non-profit credit counselor.

As the Consumer Financial Protection Bureau highlights, the best option is to contact your credit card or financial institution directly. Banks can sometimes offer a “hardship program,” also called a lender workout, which is an agreement between you and your creditor to address the situation, for example by lowering your monthly payment or waiving fees. It is in the card company’s best interest to help you with a manageable repayment plan. Working with your lender may offer a solution that does not result in losing your card or damaging credit. Since this doesn’t involve a third-party, these workouts are usually faster and safer than other options.

“When late payments pile up, many people avoid answering the phone when their credit card company calls. But as the Consumer Financial Protection Bureau notes in its own research, it’s the card company that can often get you back on track. Card companies want to protect their greatest asset — their customers,” said Lindsey Johnson, President and CEO of the Consumer Bankers Association.

If you’re struggling with debt across many different creditors, another option is to talk to a credit counselor. An accredited, non-profit credit counselor offers advice on how to manage multiple debts and provides free education. Importantly, these agencies can also negotiate with lenders on your behalf and create a debt management plan that allows for one monthly payment. This option protects your credit and can be less expensive than debt settlement companies because they are not for profit.

Debt settlement companies are a third option; but they can come with some serious risk. Debt settlement companies market and advertise aggressively and, people may think because they offer one point of contact, they’re a good option. The fact is, however, working with a debt settlement company can make your financial situation worse.

Here is what you need to know about debt settlement companies: Debt settlement companies may not resolve all your debt and can hurt your credit score for up to seven years. In fact, the industry itself concedes that 25% of their clients do not settle any accounts. In addition, debt settlement companies charge big fees — sometimes up to 25% of the balance on a card, which can add up over time.

Yet, according to the Consumer Financial Protection Bureau, often the “deal” that debt settlement companies are selling is similar to what you can get by talking directly to your credit card company or financial institution — without your having to pay excessive fees. Working with a debt settlement company may also have you paying more in taxes. And sometimes creditors, who are wary of debt settlement companies, may refuse to work with them or file a lawsuit against you.

If you are confused about the options, you can turn to a trusted source such as the Consumer Financial Protection Bureau for reliable information. There is helpful information available on their website and you can find out more about your options at the Consumer Bankers Association’s own website: www.aboutdebtrelief.com.

2024-09-30T09:01:00

(BPT) – Hello, fall! Crisp air, colorful leaves and cozy sweaters are here, marking the perfect time to embrace outdoor activities and family traditions. As you plan your fall adventures — whether it’s carving pumpkins, attending football games or apple picking — the curated selection from Little Planet by Carter’s new fall collection ensures your family will be prepared. With timeless, heirloom-quality pieces that are simple, sustainable and designed to span seasons, parents can focus on enjoying every moment.

1. For the Pumpkin Patch

The arrival of local pumpkin patches signals the start of fall, inviting families to enjoy the mild weather. Dress your baby in heirloom-quality pieces like this Organic Cotton Waffle Knit Jumpsuit or the Harvest Pumpkins Organic Cotton Set. These designs are crafted from so-soft organic cotton and made to last from this little one to the next. And don’t forget to capture the moment with a photo — tag @littleplanet on Instagram to share your family photos!

2. For Apple Picking

Apple picking is sweeter with littles by your side. Little Planet’s new fall collection offers organic and sustainable pieces that are both practical for exploring the orchard and perfect for family photos.

• Organic Cotton Gauze Button-Front Dress: Light and breezy to keep your baby cool while exploring.
• Organic Cotton Chambray Jumpsuit: A functional and simple 1-piece that’s easy to wear for collecting apples.
• Organic Cotton Button-Front Jumpsuit in Gingham: A classic look with a touch of fall charm.
• Organic Cotton Corduroy Dress and Mock Neck Bodysuit Set: Cozy and chic for cooler weather, with options to wear together or separate.

3. For All the Fall Festivals

Fall festivals are a wonderful time for families to gather and enjoy crafts, delicious food and the beauty of the season. These moments are all about creating memories together, and Little Planet’s heirloom-quality pieces make it easy to dress your family in timeless fashion.

• Organic Cotton Herringbone Button-Front Shirt in Plaid: Classic and versatile. Can be worn buttoned-up or layered over a tee for when you don’t have time to fuss with buttons.
• Organic Cotton Herringbone Button-Front Dress in Plaid: Cozy and perfect for photos and fun.

4. For Their First Halloween

Halloween is a holiday for fun and creativity, but it’s hard to find outfits with lasting wearability. Keep it simple in styles inspired by spooky season that can be worn again and again, year after year.

• Spooky Creatures Halloween Fleece Set: Spooky and cozy for daytime fun.
• Fox Cap and Organic Cotton Sweater Knit Bubble: Designed to be worn for Halloween, fall outings and more.
• Spooky Creatures Organic Cotton Pajamas Set: Soft, organic and made for a good night’s sleep after trick-or-treating.

5. For Football Games

Cheering for your favorite team? Comfort and style are key. Little Planet’s collection offers versatile outfits perfect for game day:

• Organic Cotton Cable Knit Sweater: Classic, warm and ideal for layering.
• Organic Cotton Fleece Henley in Stripes: Casual and cozy for a varsity inspired, laid-back look.
• Organic Cotton Essentials Set in Heather Grey: Easy to mix and match with your team’s colors.
• 2-in-1 Puffer Vest Made with Recycled Materials: Provides extra warmth and is reversible, too!

Crafted in the purest organic fabrics and sustainable materials, Little Planet by Carter’s is a return to simplicity. Thoughtful essentials and timeless pieces to gift or to hold on to.

2024-09-30T09:01:00

(BPT) – When you’re on the road in wintry conditions, what you don’t know can hurt you. That’s why it’s alarming that only three in 10 drivers know this vital fact: All-season drivers aren’t designed for winter roads.

Yes, “all-season” is their name. But most tires sold in the United States are designed for durability and performance at the expense of winter safety. When temperatures fall below 45 degrees, their rubber compounds harden like hockey pucks and begin to lose their grip on the road. And all-season tires’ tread patterns are designed to channel water away from the road, not carve through snow or slush.

That’s a problem Nokian Tyres has spent 25 years fighting. This year, the global tiremaker from Finland is celebrating the silver anniversary of a true four-season driving solution — all-weather tires, which it introduced to North America in 1999.

Unlike their all-season counterparts, all-weather tires are certified with the three-peak mountain snowflake emblem that indicates they are equipped for snow, slush and temperatures below 45 degrees. Unlike winter tires, they can be used year-round.

“While all-season tires are great in the spring and summer, all-weather tires are made for all types of weather,” said Nokian Tyres North America Director of Products Steve Bourassa. “If snow is unlikely where you live, all-season tires are an excellent choice. But all-weather tires are an ideal option for drivers who visit winter or have winter visit them.”

All-weather tires can be considered a jack of all trades. They’re capable in wintry weather, even if they aren’t a substitute for dedicated winter tires in areas that experience sustained snow and ice. They’re built to thrive in rain and heat, too, even if they don’t typically have the same tread life as an all-season tire.

To ensure that all-weather tires are as versatile as possible, tiremakers test them in diverse conditions around the globe. Nokian Tyres subjects its all-weather products to frigid temperatures north of the Arctic Circle at the largest company-owned test facility in the world in Ivalo, Finland. It also tests them in the Spanish desert south of Madrid, as well as at remote sites in the U.S.

How can drivers make sure they’re riding on a set of winter-certified all-weather tires? Look for a snowflake symbol inside a mountain peak on the sidewall. The severe service emblem, or three-peak mountain snowflake, certifies that a tire has passed a snow traction test.

What drivers don’t know about four-season driving can hurt them. All-weather tires offer a versatile remedy. Learn more about all-weather tires at NokianTyres.com/Weather.