5 tips for staying safe during a winter power outage

2024-12-20T11:01:00

(BPT) – Winter is in full swing. It’s a beautiful season, but as the temperature drops and the snow, ice and cold approach, there’s always the possibility of a power outage. When it’s cold outside and your home is plunged into darkness, it can be more than just an inconvenience. It can mean not being able to keep your family warm, to work if your power is out, even to get water if your pipes freeze.

The best way to get through a winter power outage? Be prepared. A little forethought can save a lot of headaches later. Here are some tips for handling a winter power outage from Anker SOLIX, the experts in whole-home backup power solutions.

Assemble an emergency kit. Make sure you have all the things on hand that your family needs to get through a power outage. You’ll be home, so you’ve already got warm blankets and clothes covered. You’ll also want several gallons of bottled water and food that doesn’t have to be heated up like granola bars, fruit and nuts. Pop some new batteries into your flashlights before you need them, and get a weather radio if you don’t already have one. Also think about getting solar chargers for your phones, some battery-powered candles and hand warmers.

Invest in backup power. When the lights and heat go out, you need backup. The Anker SOLIX F3800 Portable Power Station is an accessible whole-home power backup. It’s the first power station to feature AC coupling and support home solar power cycling when paired with the Anker SOLIX Home Power Panel. Easy installation only takes a few hours by a professional electrician, and with a cost-effective price point, the F3800 is the most accessible home power solution available on the market.

The F3800 can provide back-up power for the entire home. It offers 6000W AC power output and 120V/240V dual voltage output, enabling it to simultaneously power high-energy devices. The AC output power can even be elevated up to 12,000W when two F3800s are combined. At the same time, it boasts a massive 3.84kWh internal battery for extended backup power. With its expandable form factor, users can customize their power storage needs with up to 53.76kWh when combining two F3800s and up to 12 additional batteries, providing up to a week of home backup power. You can also charge your EVs!

For a more compact solution, the Anker SOLIX C300 DC, is a new compact-but-mighty power station. It can power seven devices at once, a space heater and more for shorter periods of time. It recharges via solar energy, so you can power it up again and again. And it comes with a built-in light, which is handy during those dark nights when power goes out.

Make sure the pipes don’t freeze. When the power goes out, open the cabinet doors under your kitchen and bathroom sinks and turn on the faucets, just a trickle. That will help ensure the pipes don’t freeze in the cold.

Keep your refrigerator door closed. This will help keep the cold air in, preserving your food. General safety guidelines say your fridge will keep food cold for four hours during an outage. If the outage lasts longer than that, it’s best to throw away things like dairy, meats, eggs and leftovers.

Don’t be tempted to heat with your gas stove. This can cause a backup of carbon monoxide gas, which can be deadly.

Thinking about investing in backup power? Contact Anker SOLIX at https://www.anker.com/.

How to transform your kitchen in 2025 with 4 top trends

2024-12-20T15:29:00

(BPT) – The kitchen is the heart of the home. It’s where you gather with loved ones for meals and conversations and make memories and traditions. To achieve these connections (while still making delicious meals), warmth and welcome are key.

If you’re worried about being out of step with the modern and minimalist design trends of the past few years, consider this: experts have seen a desire among clients for cozier and warmer designs.

Are you interested in changing your kitchen and staying in style? Here are four 2025 upcoming trends from design experts across the country who can help you step into the new year on trend.

1. Luxury through personalization

While homeowners are seeking a luxury feel for their kitchens, they don’t want them to be exactly like that of their neighbors, friends and family members. Instead, there is a desire among clients for personalization while still maintaining a luxe style.

“I am seeing a shift toward extremely personal customization,” said Jennifer Hutton, Creative Director and Principal Designer at Grau Design Studio. “That’s anything from bespoke storage options to specialized cabinet interiors to an emphasis on personal hobbies like creating craft cocktails, baking or even using certain types of cooking equipment.”

Andrea Harvey, founder of ASH Interiors and Design, has also noted that homeowners want to add personal lifestyle details to their kitchen design.

“As always, luxury is about personalization,” said Harvey. “Luxury clients want their spaces to be uniquely theirs. They want details that are all about how they live. They would prefer to be ‘the only one’ than feel they are copying their neighbor or friend.”

2. A return to color and warmth

Gone are the days of bright whites and cold neutrals. More and more clients are seeking to infuse color and warmth into their kitchen space.

“No more gray!” said Ariana Lovato, Founder + Principal Designer of Honeycomb Home Design. “Warm tones and oak finishes will still prevail next year, but people are not shying away from color when it comes to an island or perimeter cabinetry.”

Hutton has also had clients ask for a darker, warmer aesthetic with textural and colorful interest.

“I see luxury kitchen trends taking a turn to a deeper, moodier style, a far cry from the bright white, pristine kitchens from a few years ago,” said Hutton. “My clients are looking for unique marbles, lots of texture, organic materials and rich colors.”

3. Multiple zones

Recent home kitchen designs have mimicked the style and function of professional kitchens that have all you need in one place. However, homes are already departing from this modern trend.

“We anticipate our luxury clients’ desire for ‘multiple zones’ to continue to strongly impact 2025 kitchen design,” said Linda Engler, founder of Engler Studio. “By multiple zones, I mean specific function areas beyond a primary kitchen: coffee and beverage stations, prep kitchens, sculleries and baking centers.”

Engler goes on to say that the multiple-zone approach uses a variation of materials and finishes to visually distinguish these stations from the primary kitchen. Because of these zones, designers and clients should expect an increase in appliances, as each zone will require its own package.

Another aspect of multiple zones is that homeowners are rediscovering the kitchen as a gathering place.

“It’s an exciting time in kitchen design because we’re starting to see a shift from the super sterile modern kitchen,” said Lovato. “Clients want islands that have wrap-around seating for casual conversations and built-in seating options like a nook or a custom banquette attached to the back of an island.”

4. Transitional design

Are you stuck between designing a modern or traditional kitchen? You can have the best of both worlds by aiming for a transitional design aesthetic.

The term “transitional design” can be difficult to nail down, but you can generally think of it as a style that incorporates modern elements like clean, sleek lines with traditional details that are homey and welcoming.

“I view transitional design as the bridge that connects traditional and modern,” said Engler. “It’s the middle ground between two extremes.”

A simple yet effective way to combine modern and traditional kitchen design is through careful hardware and appliance choices.

“Things like faucet style, hardware and light fixtures are examples of elements that can read as transitional and can be switched out over time if needed,” said Hutton. “Appliance style also plays a role here. Very professional, grand pieces tone down the modern style and add an ‘old school’ flair which can neutralize the ultramodern aesthetic.”

Appliances from luxury brand Signature Kitchen Suite’s new Transitional Series are perfect for homeowners seeking clean lines with timeless charm. The series includes wall ovens, induction cooktops, insert hoods, traditional and undercabinet refrigerators, dishwashers and built-in wine columns.

These panel-ready units feature satin stainless steel panel and handle kits as well as leading-edge True to Food technology. Not only do they look good, but they allow home chefs to show others their passion for the culinary arts.

Opening your home’s heart to style and comfort

Using these four trends, you can say goodbye to a purely clean and functional aesthetic and hello to a cozy kitchen you and your loved ones will want to spend time in. To learn about more design trends and how you can achieve them in the new year, visit SignatureKitchenSuite.com.

Ultimate skincare guide for the winter holidays

2024-12-20T13:47:01

(BPT) – While this may be the most wonderful time of the year in many ways, it’s not ideal for your skin. Between frigid temps, brisk wind outside and ultra-dry, overheated air inside — not to mention holiday busyness and stress — your face may not be glowing along with the season.

Here are practical tips to help you care for your skin, so you can look and feel your best as you celebrate with friends and family.

1. Empower your shower

While not everyone can improve their hard water with a water softening system, it’s not hard to install a showerhead filter. Especially if you have dry, itchy or sensitive skin, a showerhead filter can make a huge difference. Good showerhead filters will remove impurities such as chemicals and minerals that could be irritating your skin on a daily basis, improving how your hair and skin look and feel. You can find plenty of options available, as well as videos online showing how to install them.

2. Moisturize, moisturize, moisturize

Yes, you’ve heard it before, but it’s even more true during these challenging winter months. It may seem like an uphill battle, but if you approach moisturizing from a few different angles, you’ll notice the difference.

Your environment: Moisturize the air where you spend the most time. Whether that’s a whole-home humidifier or portable humidifiers in your home office or bedroom, keeping the air around you from getting too dry will pay dividends.

Your body: Skin care specialists and nutritionists alike will tell you staying hydrated on the inside helps keep your skin from getting too dried out, so this may be a great resolution to start ahead of the new year! Fill up that water bottle and keep it handy. Don’t love plain water? Flavor with a little lemon or lime or sip sparkling water throughout the day.

Your skin: How you moisturize your skin from the outside is crucial. Here’s where quality products stand out.

Maintain your holiday glow by prioritizing effective skincare during the busy season — a little self-care goes a long way. The Neocutis Bio Cream Firm smoothing and tightening cream includes proprietary peptides to help support collagen and elastin production, addressing signs of aging including uneven tone and texture and wrinkles. The Neocutis Lumière® Firm illuminating and tightening eye cream helps reduce the appearance of fine lines and wrinkles around the eyes, crow’s feet, puffiness and under-eye darkness.

Miami Board-certified Dermatologist Dr. Roberta Del Campo recommends these during the holiday season, noting “holidays can be particularly challenging for your skin with all the travel and festive gatherings. To keep your skin healthy and radiant, I recommend using intensive moisturizing products that support collagen and elastin production, like the Neocutis Bio Cream Firm for an instant glow. In addition to this, I recommend using a rich illuminating eye cream that will vanish any trace of a dark circle, such as the Neocutis Lumière® Firm.”

You can also give your skin an additional hydration boost with the Neocutis Hyalis®+, an intensive hydrating serum that is oil-free and includes a deeply moisturizing formulation with multiple types of pure Sodium Hyaluronate, plus key ingredients to help promote smooth, soft and supple skin and minimize the appearance of fine lines and wrinkles.

All these products are non-comedogenic and dermatologist tested, free of color additives and fragrances. Visit store.neocutis.com to shop and learn more.

3. Double cleanse to remove heavy party makeup

After a fun time celebrating, you’ll want to be sure that you’ve removed every trace of makeup from your skin before calling it a night.

Once you’ve gently removed all of your eye and face makeup, it’s recommended to protect the delicate skin around your eyes with high-quality illuminating eye cream like the Neocutis Lumière® Firm Riche Eye Cream to help with your post-party or travel recovery.

Multiple bottles of Lumiere Firm Riche

4. Upgrade your pillowcase

Sleeping on a clean pillowcase can help you maintain your ideal skincare routine. Many dermatologists recommend using a silk pillowcase, because silk is less absorbent than other fabrics like cotton, so it’s less likely to soak up facial products you’re applying before bedtime. Some users also find it less irritating to sensitive skin that’s prone to dryness and itchiness.

Be sure to wash silk pillowcases according to recommended manufacturer’s instructions. You may want to consider having a few available so you can switch them out frequently to keep your skin cleaner overnight.

5. Protect from the sun — even in winter

While you may not be sunbathing when it’s chilly outside, any time spent out in the sun can potentially damage your skin. Whether you’re into winter sports or just going for a wintry walk, don’t forget to protect your skin with sunscreen just as you would during the summertime.

Following these tips, you’ll be able to keep your skin looking and feeling wonderful, so you can relax and enjoy the holiday season.

Become an expert gift-giver with this holiday tech guide

2024-12-20T15:07:00

(BPT) – Finding the perfect gift for all your loved ones can be daunting. However, choosing a thoughtful present that matches each person’s hobbies and interests doesn’t have to be difficult. Check out this curated list of tech gifts that will make the movie lovers, jetsetters, holiday hosts, gamers and students in your life feel the spirit of the season this winter and beyond.

Cinema buffs

Movie buffs and entertainment lovers need the latest and greatest tech to enjoy and share their favorite media, including new and classic holiday movies. Gift them the ultimate entertainment experience with the LG OLED evo G4. Powered by LG’s latest Alpha 11 AI processor, it brings holiday scenes to life with breathtaking realism.

Another option for a memorable gift for the cinema buffs in your life is the LG OLED B4. With stunning 4K resolution and Dolby Vision™, beloved scenes from holiday classics come to life in vivid colors and sharp details.

You can seamlessly sync either TV with the LG S95TR soundbar to take your home theater sound to a new level. This impressive nine-channel soundbar features five up-firing speakers. Combined with a powerful subwoofer and wireless rear speakers, you’ve set the stage for an immersive surround sound experience for all your holiday movie favorites.

Help your loved one transform their space into a movie theater with the LG CineBeam Q, a premium 4K Projector. Don’t let the compact and light design fool you. Despite its small size, the CineBeam Q is a powerful performer equipped with smart features for the ultimate viewing experience.

Frequent flyers

The best gift for frequent travelers is LG’s TONE Free® T80 Dolby Atmos® True Wireless Bluetooth Earbuds. With a lightweight design, medical-grade ear gels and up to 36 hours of battery life, you can enhance your entertainment and enjoy 3D sound at home, in the gym, on the road and in the sky.

For a luxurious holiday movie experience on the go, gift the LG StanbyME Go. This lifestyle screen in an easy-to-carry case delivers a premium entertainment experience. Its built-in battery and wireless capabilities will ensure your loved one is always ready for a holiday movie marathon.

For those who travel for work, help them get the best of both worlds with the LG gram Pro 16-inch 2-in-1 laptop. As the world’s lightest 16-inch 2-in-1 laptop, the LG gram Pro is the ultimate tool for productivity and portability. Featuring a vibrant 16-inch OLED touch-screen display, this laptop brings rich color and deep blacks to work or shopping sessions.

Holiday hosts

For those who love to entertain, give them the LG StanbyME. This rollable smart touch screen is the ultimate kitchen companion, allowing home chefs to effortlessly follow recipes or catch up on their favorite shows on the fully adjustable 27-inch lifestyle screen.

During holiday get-togethers, the practical yet powerful LG XO2 speaker offers hosts and guests immersive 360-degree sound. Whether placed in the center of the dining or coffee table or taken outdoors to the patio, everyone can enjoy deep bass and crisp vocals, enhanced by customizable mood lighting, for a complete sensory experience.

If your buddy regularly hosts sports viewing events, make sure they have the LG QNED90 4K MiniLED TV. With breathtaking visuals and immersive audio, you’ll feel like you’re cheering on your team from the sidelines. You can even stay updated on your favorite teams with Sports Alert.

Daily gamers

The gamers in your life will appreciate the LG OLED evo C4 Smart TV. Its crisp, smooth imagery with fast response times and improved gaming quality with NVIDIA G-Sync can keep up with the fastest games for a seamless gaming experience. Paired with the LG SC9S soundbar, your loved one can enjoy every game with a breathtaking, lag-free audio-visual experience.

For desktop gamers, the LG UltraGear OLED Gaming Monitor 32GS95UE-B makes the perfect holiday gift. This 32-inch OLED monitor is ideal for intense, fast-paced gaming, delivering a stunning 4K experience at up to 240Hz or in Full HD at an ultra-fast 480Hz. With a lightning-quick 0.03ms response time and support for G-SYNC® and FreeSync™ Premium Pro, the monitor ensures tear-free, responsive gameplay for an immersive, unbeatable gaming experience.

Young scholars

Students will appreciate the vibrant 4K display of the LG MyView 32-inch Smart Monitor. Thanks to LG webOS, they can enjoy high-quality streaming and seamless connectivity for laptops and consoles. Smart features like ThinQ and AirPlay make this the perfect device for college students to go from studying to streaming holiday classics.

Whether going home, visiting friends or heading to outdoor adventures during winter break, make sure the students in your life bring along the LG XG2 speaker. This compact, ultra-portable speaker is designed with military-grade durability. It’s built to withstand extreme temps, rain and sand, while IP67 water and dust resistance makes it perfect for snowy strolls and holiday hikes.

To learn more about these and other must-have holiday tech gifts, visit LG.com.

5 New Year’s credit card resolutions

2024-12-20T07:01:00

(BPT) – If you’re just starting out and don’t have much credit history, the holiday season maxed out your current credit card, or unforeseen circumstances lowered your credit score, this is the perfect time to make New Year’s resolutions to improve your credit rating. Learning how to obtain and use credit cards wisely can make a difference in your lifestyle and future goals.

Here are some practical credit card tips to help you boost your credit score in 2025.

If You Have Little or No Credit History, Consider a Secured Credit Card

Potential creditors want you to have a positive credit history, but you can’t build a credit history without credit. So, how do you get around this catch-22?

One option is to open a secured credit card. Because it’s secured by a cash deposit, a secured credit card is less risky to card issuers and typically easier to get than an unsecured credit card, which is what most credit cards are. Should you default on a secured credit card, the card issuer can use the cash deposit to cover or minimize any losses.

Other than requiring an initial deposit, a secured card works pretty much the same as an unsecured credit card, including typically reporting your card activity to one or all three of the major credit bureaus. If you’re using a secured credit card to build a credit history, it’s important to verify that the card issuer does indeed report account activity before applying. There are some secured cards out there that don’t.

If you are set on an unsecured card, apply for one meant for people with an average or little credit history that can help you begin to build credit, like the Credit One Bank Platinum Visa. These cards typically come with a lower credit limit, but can, with smart usage, help build your credit history without requiring a deposit.

Apply for New Credit Sparingly

Every time you apply for credit, it typically generates a hard inquiry, which could lower your credit score by as much as 10 points. Say you apply for four credit cards in one week — that’s a potential 40 points your credit score could drop in seven days.

To avoid taking too many hard-inquiry hits, try seeing if you pre-qualify for credit cards on the company’s website. Doing this allows you to get a good idea of whether you’re likely to be approved without generating a hard inquiry. Just understand that pre-qualifying for a credit card does not guarantee you will be approved for it. To get a definitive thumbs-up or -down, you have to formally apply for the card.

Choose Credit Cards Wisely — and Make the Most of Them

Which cards you use makes a difference, especially when you want to get the most from the benefits or rewards they offer. The Credit One Bank Platinum X5 Visa is available to people with average-to-excellent credit who want to maximize their rewards earnings*. The Platinum X5 Visa gives cash back on every purchase, with premium reward opportunities on everyday categories like gas and groceries. Cash back rewards accumulate over time and can be used to lower your account balance, or to purchase merchandise and gift cards. In addition, X5 cardmembers can optimize cashback rewards by making purchases in categories with the highest reward levels — including necessities you spend money on every day*.

Pay Your Credit Card Bills on Time, Every Time

Payment history is the number one factor in calculating credit scores in the two most popular consumer credit scoring models. It accounts for 35% of your FICO® Score and 40% of your VantageScore®. If you want to positively influence your credit score, consistently pay your bills by their due date.

You don’t have to pay your outstanding balance in full each month to accrue a positive payment history — although, doing so should help save you money in interest and contribute toward making your debt more manageable. But you do have to pay at least the minimum amount due, and it must be received by the creditor by the payment due date for your payment not to be considered late or missed.

Lower Your Credit Utilization Ratio

Your credit utilization ratio is a mathematical expression of how much of your available revolving credit you’re using, and it’s another important factor in calculating consumer credit scores. To be safe, try to keep your credit utilization ratio below 30%, which means your outstanding balances should remain below 30% of your overall available credit. For example, if your credit card has a $1,000 limit, your outstanding balance should be no more than $300.

Learning to use credit cards wisely can take time, but it’s well worth the effort. Identifying financial goals and taking steps toward achieving them could be the most important resolution you make this year.

*Terms Apply. Visit creditonebank.com for more details.

Top 2025 outdoor design trends

2024-12-20T01:01:00

(BPT) – Americans are spending more time in their outdoor spaces — and want to maximize those spaces. Studies show that nearly 90% of homeowners consider their outdoor areas to be important to their health and well-being. Design trends reflect that people are showing more interest in connecting with nature in their own backyard and enjoying the comforts of indoor living while gathering outdoors. This means creating environments that are comfortable, multifunctional and cost-effective.

The outdoor design experts at Belgard®, the trusted leader in hardscape solutions from pavers to retaining walls, share exclusive insights into 2025 outdoor design trends to help homeowners plan their dream outdoor spaces.

Privacy and spaces of solitude

As property footprints continue to shrink year over year, homeowners are looking for aesthetically pleasing ways to incorporate more privacy from neighbors or their surroundings. Decorative screen panels, pergolas, built-in planters and other structures can add elements of both beauty and functionality that provide a sense of solitude, even in urban environments.

Sound gardens and water features can further enhance a feeling of solitude by adding audible privacy from neighbors or street traffic. For example, even a simple fountain or water bowl can enhance the ambiance and help muffle sound.

Back yard privacy fence with pergola, patio, outdoor kitchen and bar area.

Shifting back to classic style

While minimalism remains a popular trend, there’s also been a shift back to a more classic style in indoor and outdoor home design. Mixed materials and warm colors such as beige and sepia are re-emerging, which lend themselves to a more traditional aesthetic.

With modular options from Belgard, a mix of different materials with multiple textures and sizes can create limitless possibilities while keeping with a classic design aesthetic. Because they’re available in many styles, shapes, and sizes designed to work together, a variety of paver patterns can be combined seamlessly to achieve any desired overall look.

Convenience in design

As outdoor spaces are now a must-have for homeowners, they must be convenient to access and offer the same amenities as the home’s indoor spaces. Homeowners are looking for their outdoor space to transition easily from the house to the built environment while offering the same modern conveniences of lighting, eating, Wi-Fi, quality furnishing and accessories.

Health and wellness

Using outdoor spaces to improve your well-being is a top focus for many people today. Americans are looking to be more balanced and in harmony with their environment, favoring the use of native plants and sustainable materials like permeable pavers, which promote better water drainage and reduce environmental impact.

Gardening is also a popular hobby that helps improve people’s feeling of well-being, so enthusiasts can opt for raised garden beds or planters to pursue their growing goals in their outdoor spaces. For example, Belgard offers options to create built-in planters as part of your overall hardscape design with its Belgard Artforms modular outdoor panel system. You can use the panels, which are sized in modular shapes, to quickly and efficiently construct planters, seating, outdoor kitchens, fire features and more.

By designing outdoor environments that support their health and wellness, individuals can cultivate spaces that provide a retreat in their own backyard to improve their quality of life.

Woman praticing yoga on her back yard patio, in front of her pool, living wall and outdoor kitchen area.

Value-added features

In every metro area, property sizes are smaller than ever. With this shift plus budget considerations, homeowners want to maximize small spaces through modular components that serve multiple purposes, like built-in seat walls, fire features, water features and planters that seamlessly blend into a living space — offering both functionality and visual appeal.

Homeowners can get creative with outdoor spaces with the right hardscape materials. For example, a small space can be transformed into a lush oasis by adding a vertical garden, or underutilized spaces like side or front yards can become cozy sitting areas. Even a small patio can serve as an al fresco dining space, and it doesn’t take a lot to add an outdoor workstation with the right tools and tech. Patio pavers and wall units help define spaces, making them serve more than one purpose for any household.

These strategic investments not only increase the functionality and enjoyment of outdoor areas but also significantly boost curb appeal and the home’s property value, making them a smart choice for homeowners looking to maximize their limited spaces.

Textured paver patio with sitting wall, beautiful potted plants, and a patio table with umbrella.

To find inspiration for any outdoor space, visit Belgard.com.

California’s Auto Liability Coverage Limits to Increase in 2025 to Better Financially Protect Drivers

2024-12-19T13:01:00

(BPT) – The state of California has not raised auto liability coverage limits for more than 50 years, but that is set to change beginning next year. The new legislation, introduced in 2022 to keep pace with rising medical and repair costs, will require higher liability coverage limits for drivers and will take effect on Jan. 1, 2025. As we approach the new year, Mercury Insurance wants to help consumers better understand what these new limits entail.

“With the increase in liability coverage limits, California drivers will be more likely to have the coverage they need to pay for an accident without going into debt,” said Justin Yoshizawa, Director of Product Management for Mercury Insurance. “However, some drivers may notice an increase in their premiums next year, which means now is a great time to get in touch with your insurance agent to review your policy and maximize savings with potential discounts.”

Here’s what California drivers should know about the mandate:

What are the new coverage limits?

Currently, California requires motorists to carry liability insurance with minimum limits of $15,000/$30,000 for Bodily Injury and $5,000 for Property Damage. Starting in 2025, this will increase to $30,000/$60,000 for Bodily Injury and $15,000 for Property Damage.

When will the new coverage limits take effect?

New liability coverage limits will go into effect on Jan. 1, 2025. Drivers who are impacted should see the change in their next policy renewal after that time.

Why is this change happening?

Despite being home to the most licensed drivers in the country, the state of California has not raised auto liability coverage limits for the past 56 years. During that time, the costs associated with getting into an accident — medical bills and repair costs — have risen significantly due to inflation. The changes are intended to provide California drivers with greater financial protection amid these rising costs if they were to get into an accident.

Will this affect insurance premium for drivers?

This will affect premiums for drivers who currently carry the minimum coverage and are bumped up to the new limits as a result of the mandate.

What do drivers need to do now?

No action is required on the part of drivers. All existing policies with lower limits will be renewed with the adjusted minimum limits on or after Jan. 1, 2025. However, it would be a good idea to reach out to your insurance agent to review coverages and potential discounts that may be offered.

“These new coverage limits will remain in place for the next 10 years, after which another increase will go into effect,” said Yoshizawa. “The good news is that California drivers will be more adequately insured to cover repairs or injuries following an accident.”

Millions of Americans live with type 2 diabetes—A division 1 football family shares how they tackle the disease head-on

2024-12-19T07:01:00

(BPT) – The following story was prepared and sponsored by Novo Nordisk. Calvin, Patrice, and Cam Ward are paid spokespersons of Novo Nordisk.

Picture this—you’re a D1 starting quarterback preparing for your upcoming game. Football has been a part of your life for longer than you can remember, so going over your pre-game to-do list is second nature: organizing equipment, memorizing plays, watching film, and making sure schoolwork doesn’t fall to the wayside. These are typical bullets on a football player’s list and are top-of-mind daily. But there’s one more item on the list for Cam Ward: checking in with his parents, Patrice and Calvin, who live with type 2 diabetes, to make sure they’re staying healthy and on track to come to his next game. After all, they’ve never missed one.

The Wards are highlighting type 2 diabetes as a critical issue affecting far too many. More than 38 million Americans live with diabetes,1 with the vast majority (~90%-95%) having type 2 diabetes.2 Roughly 20% of people with diabetes remain undiagnosed.1 The Ward family’s story is a window into the power of community, family, and faith when managing type 2 diabetes.

A Family United by Faith, Football, and Firm Persistence

With deep-rooted faith, tight-knit family bonds, and dedication to football, the Ward family is a beacon of resilience and determination. Cam Ward, now a starting division 1 college quarterback, is not only a force on the field but also a supportive son, brother, and champion of his family’s health. Just as Cam is making his mark on the football field, his parents, Calvin and Patrice, are also making an impact in their community. They are just as active, organizing sports camps and fundraisers in their community and volunteering at their church. Together, Calvin and Patrice go the extra yard when it comes to managing their type 2 diabetes—from doing their best to prioritize healthy eating and staying active, even when on the road, to working with their healthcare professional. And Cam supports from the sidelines, checking in daily and making sure they stay on track. It’s clear the teamwork spirit is central to their family playbook.

“Our family does everything together,” said Cam. “Whether it’s traveling, watching sports, having family meals together, or going to church. We’re a team, and I wouldn’t have it any other way.”

Facing the Challenge Head-On

Patrice was diagnosed with type 2 diabetes 15 years ago. Despite initial uncertainties, she found strength in her family and faith, navigating her condition while staying active in her community. But the Ward family took another hit when Calvin received a type 2 diabetes diagnosis in 2019.

“Calvin’s diagnosis was shocking. When he was hospitalized, his blood sugar levels were so high that doctors struggled to get a reading,” said Patrice. The Wards now want to share their story to help inform and foster discussions about type 2 diabetes.

The Impact of Type 2 Diabetes

Two in five Americans will develop type 2 diabetes,3 and even when meeting A1C goals, adults living with type 2 diabetes are still at risk for major cardiovascular events such as stroke, heart attack, or cardiovascular death.4-5 For Black Americans like the Wards, the numbers are even more staggering: in the U.S., Black adults are nearly twice as likely as white adults to develop type 2 diabetes.6

“The unfortunate reality is that Black Americans are disproportionately impacted by common risk factors associated with type 2 diabetes,” said Dr. Michael Radin, Executive Medical Director at Novo Nordisk. “We must work together to address this concerning reality and improve this trend, using every opportunity to educate each other on the risks associated with type 2 diabetes.”

Tackling Type 2 Diabetes: A Treatment Plan that Works

For the Wards, finding a reliable type 2 diabetes management plan was the most crucial play. With guidance from their trusted healthcare professional, Patrice and Calvin have both, along with diet and exercise, lowered their A1C with Ozempic® (semaglutide) injection. Millions of people with type 2 diabetes have taken Ozempic® as part of their type 2 diabetes management plan.

+++

What is Ozempic®?

Ozempic® (semaglutide) injection 0.5 mg, 1 mg, or 2 mg is an injectable prescription medicine used:

  • along with diet and exercise to improve blood sugar (glucose) in adults with type 2 diabetes
  • to reduce the risk of major cardiovascular events such as heart attack, stroke, or death in adults with type 2 diabetes with known heart disease

It is not known if Ozempic® can be used in people who have had pancreatitis.
Ozempic® is not for use in people with type 1 diabetes.
It is not known if Ozempic® is safe and effective for use in children under 18 years of age.

Important Safety Information

Do not share your Ozempic® pen with other people, even if the needle has been changed. You may give other people a serious infection, or get a serious infection from them.

What is the most important information I should know about Ozempic®?

Ozempic® may cause serious side effects, including:

  • Possible thyroid tumors, including cancer. Tell your health care provider if you get a lump or swelling in your neck, hoarseness, trouble swallowing, or shortness of breath. These may be symptoms of thyroid cancer. In studies with rodents, Ozempic® and medicines that work like Ozempic® caused thyroid tumors, including thyroid cancer. It is not known if Ozempic® will cause thyroid tumors or a type of thyroid cancer called medullary thyroid carcinoma (MTC) in people
  • Do not use Ozempic® if you or any of your family have ever had MTC, or if you have an endocrine system condition called Multiple Endocrine Neoplasia syndrome type 2 (MEN 2)

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The Power of Community

Whether cheering on Cam at the football field or volunteering in their community, the Wards hope to empower others to prioritize and take control of their type 2 diabetes.

“From my own experience, I learned quickly that type 2 diabetes symptoms should not be ignored,” said Calvin. “When it comes to your health, it’s important to take control from the start and talk to your doctor about a treatment plan that works for you. My hope is that this story can help those, who may be ignoring their type 2 diabetes symptoms, avoid what I went through.”

A 2022 survey found that nearly 55% of men do not get regular health screenings.7 Taking care of your health means seeking help—by fostering open dialogue with healthcare professionals, friends, and family about type 2 diabetes, and exploring its risks, hereditary aspects, and associated complications.

“Though my story is unique to me, I want others with type 2 diabetes to see what’s possible with the power of community,” Patrice says. “I hope our story shows that supporting each other should be a fundamental part of your type 2 diabetes game plan.”

To learn more about the Ward family, type 2 diabetes, and Ozempic®, visit Real Ozempic® Stories on Ozempic.com.

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Important Safety Information (continued)

Do not use Ozempic® if:

  • you or any of your family have ever had MTC or if you have MEN 2
  • you are allergic to semaglutide or any of the ingredients in Ozempic®. See symptoms of serious allergic reaction in “What are the possible side effects of Ozempic®?”

Before using Ozempic®, tell your health care provider if you have any other medical conditions, including if you:

  • have or have had problems with your pancreas or kidneys.
  • have a history of diabetic retinopathy.
  • are scheduled to have surgery or other procedures that use anesthesia or deep sleepiness (deep sedation)
  • are pregnant or breastfeeding or plan to become pregnant or breastfeed. It is not known if Ozempic® will harm your unborn baby or passes into your breast milk. You should stop using Ozempic® 2 months before you plan to become pregnant

Tell your health care provider about all the medicines you take, including prescription and over-the-counter medicines, vitamins, herbal supplements, and other medicines to treat diabetes, including insulin or sulfonylureas.

What are the possible side effects of Ozempic®?

Ozempic® may cause serious side effects, including:

  • inflammation of your pancreas (pancreatitis). Stop using Ozempic® and call your health care provider right away if you have severe pain in your stomach area (abdomen) that will not go away, with or without vomiting. You may feel the pain from your abdomen to your back
  • changes in vision. Tell your health care provider if you have changes in vision during treatment with Ozempic®
  • low blood sugar (hypoglycemia). Your risk for getting low blood sugar may be higher if you use Ozempic® with another medicine that can cause low blood sugar, such as a sulfonylurea or insulin. Signs and symptoms of low blood sugar may include: dizziness or lightheadedness, blurred vision, anxiety, irritability or mood changes, sweating, slurred speech, hunger, confusion or drowsiness, shakiness, weakness, headache, fast heartbeat, and feeling jittery
  • kidney problems (kidney failure). In people who have kidney problems, diarrhea, nausea, and vomiting may cause a loss of fluids (dehydration), which may cause kidney problems to get worse. It is important for you to drink fluids to help reduce your chance of dehydration
  • serious allergic reactions. Stop using Ozempic® and get medical help right away if you have any symptoms of a serious allergic reaction, including swelling of your face, lips, tongue, or throat; problems breathing or swallowing; severe rash or itching; fainting or feeling dizzy; or very rapid heartbeat
  • gallbladder problems. Gallbladder problems have happened in some people who take Ozempic®. Tell your healthcare provider right away if you get symptoms which may include: pain in your upper stomach (abdomen), fever, yellowing of the skin or eyes (jaundice), or clay-colored stools
  • food or liquid getting into the lungs during surgery or other procedures that use anesthesia or deep sleepiness (deep sedation). Ozempic® may increase the chance of food getting into your lungs during surgery or other procedures. Tell all your healthcare providers that you are taking Ozempic® before you are scheduled to have surgery or other procedures

The most common side effects of Ozempic® may include nausea, vomiting, diarrhea, stomach (abdominal) pain, and constipation.

Please click here for Prescribing Information and Medication Guide.

References

  1. CDC. National diabetes statistics report. Diabetes. Published 2024. Accessed September 2024. https://www.cdc.gov/diabetes/php/data­ research/index.html.
  2. CDC. About Type 2 Diabetes. Diabetes. Published 2024. Accessed October 2024. https://www.cdc.gov/diabetes/about/abouttype2­ diabetes.html
  3. CDC. 2 in 5 Americans Expected to Develop Diabetes. U.S. Department of Health and Human Services. Published 2022. Accessed October 2024. https://www.cdc.gov/diabetes/communicationresources/2in5­ americans.html#:~:text=Graphic%20text%3A%202%20in%205,2%20diabetes%20in%20their%20lifetime.
  4. American Heart Association. Cardiovascular Disease and Diabetes. www.heart.org. Published 2021. https://www.heart.org/en/health topics/diabetes/diabetescomplicationsandrisks/cardiovasculardiseasediabetes
  5. Martín-Timón I, Sevillano-Collantes C, Segura-Galindo A, Del Cañizo-Gómez FJ. Type 2 diabetes and cardiovascular disease: Have all risk factors the same strength?. World J Diabetes. 2014;5(4):444-470. doi:10.4239/wjd.v5.i4.444
  6. Association of Modifiable Risk Factors in Young Adulthood With Racial Disparity in Incident Type 2 Diabetes During Middle Adulthood. Bancks MP, Kershaw K, Carson AP, GordonLarsen P, Schreiner PJ, Carnethon MR. JAMA. 2017 Dec 26;318(24):24572465. doi: 10.1001/jama.2017.19546. PMID: 29279935.
  7. Cleveland Clinic. Cleveland Clinic Survey Reveals Men’s Top Health Concerns as They Age. Accessed September 2024. https://newsroom.clevelandclinic.org/2022/09/07/clevelandclinicsurveyrevealsmenstophealthconcernsastheyage

Novo Nordisk is a registered trademark of Novo Nordisk A/S.

© 2024 Novo Nordisk All rights reserved. US24OZM00789 December 2024

6 creative ways to save on healthcare using your Medicare Advantage OTC allowance

2024-12-19T11:35:00

(BPT) – Did you know that if you’re on a Medicare Advantage plan, you most likely have an over-the-counter (OTC) allowance to help offset the costs of everyday healthcare items? Millions of Medicare Advantage beneficiaries have access to this key benefit, but most don’t use it. According to a study by The Consumer Healthcare Products Association, 70% of OTC benefits are never used, leaving billions of dollars on the table. They also found that on average, every dollar spent on OTC medicines saves the U.S. healthcare system $7.33, resulting in an overall annual savings of $167.1 billion. It is time to double-check your health care plan and make sure you’re taking advantage of all your benefits and supporting your everyday care routines.

How Medicare Advantage OTC plans can help you save

Medicare Advantage enrollment has been on a steady climb for the past two decades. In fact, this year, over half of the eligible Medicare population (ages 65 and older) are enrolled in a Medicare Advantage plan.

Most Medicare Advantage plans offer OTC allowance benefits, providing an average of $400 in annual allowances per beneficiary to help with practicing everyday self-care. These can be used to pay for certain non-prescription items, including health and wellness products.

However, OTC allowances are a use-it-or-lose-it benefit under many plans. The allowance may not roll over into the new plan cycle, whether it’s on a monthly, quarterly or annual basis — it’s crucial to make the most of them while they last.

Check with your provider to understand how often you receive a new OTC allowance balance, so you don’t miss out. From OTC medications to dental care and skincare products, many of your favorite items may be eligible to purchase with your OTC allowance.

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Not sure how to spend your benefits? Kenvue, the world’s largest pure-play consumer health company by revenue with 135+ years of experience, is working to help beneficiaries understand and get the most from their OTC allowance to practice everyday self-care. Check out these six suggestions for ways to use this benefit.

1. Pain and arthritis

Do you regularly buy medications for your pain and arthritis symptoms? The next time you head to the pharmacy, use your allowance to purchase pain medication like TYLENOL® 8-Hour Arthritis Pain Relief to relieve your minor arthritis pain.

2. Cold, cough and flu

Although you can get the cold, flu or a bad cough any time of year, these conditions tend to be more prevalent during the colder months. Now is a perfect time to be prepared with products to relieve your cold, cough and flu symptoms. Make sure to have products like SUDAFED® and TYLENOL® Cold & Flu on hand so you don’t have to run to the store when you’re already feeling ill.

3. Digestive health

Whether you regularly suffer from stomach issues, get occasional heartburn, or want to be proactive about your gut health, hit up your local drugstore for digestive health products. For example, pick up a bottle of PEPCID® Complete to help reduce stomach acid levels and keep heartburn at bay after a hefty meal.

4. Skincare

Are you ready to revamp your skincare routine? Use your OTC allowance to take care of your skin with quality products like Aveeno® Eczema Therapy.

Don’t forget to pick up eligible suncare products as well! You need to protect your skin from the sun’s harmful rays all year round — not just during the summer. Get in the habit of incorporating SPF items like Neutrogena’s® line of suncare products, including outdoor essentials like Sport Active Defense SPF 30, Ultra Sheer Lotion SPF 70 and Beach Defense Spray SPF 70, into your skincare routine.

5. Dental care

Impress your dentist and invest in your oral health with OTC-eligible dental care items. For example, LISTERINE® products including LISTERINE® Cool Mint are great for keeping that smile fresh and healthy.

6. First aid

Have you ever had a cut or scrape and found out you’re out of bandages? Avoid this frustrating scenario by restocking your medicine cabinet with must-have items from BAND-AID® Brand such as BAND-AID® Brand Pro Heal™, which provide 60% better healing† and are designed to help prevent the appearance of scars**.

Note: Before buying any of these products, be sure to read your plan for product eligibility and allowance usage as plans do vary. Contact your provider for the different methods with which you can spend your allowance, which typically include:

  • Catalog, online, phone or mail order through your provider
  • Submitting receipts for reimbursement to your provider, or
  • Using an OTC debit card at retailers

Don’t wait to invest in your everyday health

Make the most of your Medicare Advantage OTC benefits to improve your everyday care. To learn more about these and other OTC-eligible products, visit kenvuebrands.com/us/medadvantage.

†Based on a 7-day average of percentage of subjects showing improvement of general wound appearance compared to standard of care

**Hydrocolloids create an optimal moist healing environment

5 sous vide recipes that are sure to impress holiday guests

2024-12-19T10:35:00

(BPT) – The holiday season is the time for hosts and home chefs to shine. Of course, cooking a holiday feast for friends and family is time-consuming, and with so many moving parts, accidents do happen. However, for this year’s feasts, you can perfectly cook your holiday dishes and save time using sous vide, the preferred cooking method by Michelin-starred chefs from around the world.

What is sous vide?

Sous vide (pronounced sue-veed) is French for “under vacuum.” The cooking technique involves vacuum sealing food in a pouch and submerging it in water to slow-cook at a constant, precise temperature.

“Sous vide has been the go-to method in some of the world’s best restaurants for years — and for good reason: it brings food to the precise temperature chefs look for and delivers perfect doneness, edge-to-edge, every time,” said Signature Kitchen Suite’s Executive Chef Nick Ritchie.

Are you ready to take your holiday meals to the next level? Try one (or all) of the following sous vide holiday recipes.

1. Seared sous vide scallops

Cooking scallops can be daunting. When preparing in a pan, you run the risk of overcooking them — resulting in a chewy, rubbery texture — or undercooking them, leaving the scallops raw in the middle. However, when you sous vide scallops, you can rest easy knowing they’ll be cooked evenly.

Chef Ritchie’s recipe uses the sous vide method to infuse scallops with tarragon, lemon, olive oil and salt. After 20 minutes in the bath, you’ll quickly sear them for about 60 seconds on each side. When done, you’ll have four perfectly cooked tender scallops that will melt in your mouth. You can serve them on their own as appetizers or on a bed of risotto as the main dish.

2. Sous vide poached egg salad

For a filling and protein-forward meal for lunch or dinner, mix up a batch of sous vide poached egg salad. If you’ve never poached an egg before, no worries. A sous vide bath will ensure you have perfectly poached eggs every time.

Chef Ritchie’s mix of eggs, lettuce, radicchio, goat cheese and walnuts is well complemented by a warm bacon dressing. In addition to savory bacon, the dressing features aromatic garlic and thyme, as well as grapes!

3. Sous vide fennel-spiced pork loin chops

Pork chops are a great addition to any holiday meal, especially when they’re well seasoned. Chef Ritchie’s recipe for pork loin chops incorporates the licorice-like taste of fennel, the citrusy pepperiness of coriander and the earthy quality of rosemary.

By sous videing the pork loins, you don’t have to worry about serving a dry piece of meat. Your guests will enjoy tender, moist and juicy pork chops that are great on their own but also pair well with sous vide braised cabbage and glazed apples.

4. Sous vide poached winter fruit

Want to make a dessert that looks impressive but is incredibly easy to prepare? Try Chef Ritchie’s recipe for sous vide poached winter fruit. While this recipe calls for persimmons, it works well with most fruits, including apples, pears, quince, peaches and apricots.

You can poach fruits the traditional way on a stove, but when you sous vide fruits, the process brings out and enhances the fruit’s powerful and rich flavor. It also preserves fruit’s freshness and offers a longer shelf life, so you can enjoy this delicious dessert well into the new year.

5. Sous vide honey-thyme glazed turnips

Turnips aren’t usually the star of the show. However, this sous vide honey-thyme glazed turnip recipe may inspire you to make more meals with the humble root vegetable.

Chef Ritchie’s instructions are very simple. You’ll seal the prepared turnips in a sous vide pouch with butter, seasoning and honey. After an hour in the sous vide, you’ll pour the pouch contents onto a pan to quickly saute the turnips and reduce the glaze. Once garnished, you’ll have a lovely plate of tasty tender turnips.

Your secret weapon this holiday season and beyond

You can sous vide this holiday season and year-round with the right appliances. Luxury kitchen appliance brand Signature Kitchen Suite features the first and only built-in sous vide right on the cooktop along with gas and induction. Get professional-level results every time and capture the full, true flavors of foods. It’s the ultimate gift that meets all your hosting needs in one appliance.

To learn more about Signature Kitchen Suite and to find more recipes, visit SignatureKitchenSuite.com/en-us/.