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What my career as a Senior Football Insider has taught me about the power of early information

2025-10-07T08:01:00

(BPT) – Sponsored by Sanofi

By: Adam Schefter, Senior Football Insider and paid Sanofi spokesperson

Early information is my “currency” — I’ve built my career as a Senior Football Insider on the power and value of knowledge. From building strong relationships in the industry to moving fast on insights, getting the news before it breaks has always given me an edge in this space. Although advance notice has been the foundation of my career, I never considered how important it would be for my wife, Sharri, who was diagnosed unexpectedly with type 1 diabetes (T1D).

When my wife first found out she had T1D, it came as a complete shock. In fact, because T1D is often asymptomatic in its early stages, she didn’t have time to prepare for life with the disease and was instead immediately thrown into the realities of 24/7 disease management. Hearing her talk about her experience is a reminder that even the best laid plans can change, and we always have to be ready to pivot.

Every day, I watch Sharri navigate her disease — the ups, the downs, and everything in between. But just like players on a football field, I hate sitting and watching from the sidelines. I always have my head in the game. That’s why I feel incredibly strongly about the importance of early risk detection and spreading the word about the power of T1D autoantibody screening. Here’s three things you should know about T1D so you can put together an early detection playbook for yourself and your families.

T1D progresses in stages

It’s a common misconception that if someone is at risk of developing T1D, there’s nothing to do except wait and watch for symptoms. As part of this journey, I’ve learned that just one blood test can spot T1D before symptoms arise and insulin dependence begins. That means you can have the inside scoop on what’s going on in your body through T1D screening.

How is this possible? Well, the progression of T1D occurs in three stages. So, while my wife was diagnosed in Stage 3, it is possible to discover T1D in Stages 1 or 2. It’s during these early stages that a “silent” attack on beta cells (i.e., the cells responsible for keeping glucose levels in a healthy range) begins inside the body. By the time T1D progresses to Stage 3, the body’s ability to produce insulin becomes severely compromised, and therefore requires daily insulin injections.

Screening could be the difference between getting ahead of the game and discovering T1D in Stages 1 or 2 versus being caught off guard by a Stage 3 diagnosis. If my career has taught me anything, I’d say that being caught off guard is not a position you want to be in!

Certain risk factors can put you at an increased risk

There are certain risk factors — like certain autoimmune conditions — that may put you or your loved ones at an increased risk for developing T1D. Notably, family history is also a risk factor, and if even one family member has T1D, then the risk increases up to 15 times. For my family, that means my children are at an increased risk, which is something Sharri and I always keep in mind.

Adam talking on a media outlet from an office setting


There’s no need to wait for symptoms to act

If I asked right now, how many of us could describe the signs and symptoms of T1D? Years ago, I certainly wouldn’t have been able to. Symptoms of T1D can include frequent urination, excessive thirst, unexpected weight loss, and more; but if you don’t know what you’re looking for, these symptoms can be easy to confuse (with other sicknesses) or explain away. But just like getting a break on an exclusive story, these symptoms are time-sensitive; if you don’t see a doctor in time, you could find yourself in an emergency due to complications of T1D. When screening is available, there’s no need to wait until symptoms arise.

Final thoughts

The unfortunate truth is that a staggering ~64,000 individuals are newly diagnosed in the U.S. every year — many who find out about their diagnosis in an emergency setting. However, T1D screening can give you and your loved ones time to plan and stay ahead of the game. Like breaking the news, the sooner you know, the better, so don’t wait because if you wait, it might be too late.

My wife Sharri was caught off guard by her T1D diagnosis, but with screening and subsequent monitoring, you and your loved ones might not have to be. Make a plan and talk to your doctor about T1D screening.

Visit ScreenForType1.com to learn more.

Sanofi does not provide medical advice, diagnosis, or treatment — information is provided for educational purposes only. Your doctor is the best source of health information. Talk to your doctor if you have any questions about your health or treatment.

Adam Schefter is a paid spokesperson for Sanofi.

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Asthma and chronic rhinosinusitis: How one condition can worsen the other

2025-10-07T10:01:01

(BPT) – If you live with asthma and struggle with chronic sinus problems, the two conditions may be more connected than you think.

Chronic rhinosinusitis is long-term swelling of the nose and sinus passages that lasts for 12 weeks or more. It causes ongoing congestion, facial pain or pressure, postnasal drip and difficulty with sense of smell.

Sometimes chronic rhinosinusitis can cause small growths in the nose called nasal polyps. These are soft, painless, noncancerous lumps. Globally, about 5-12% of people live with chronic rhinosinusitis, and up to 30% of them also develop nasal polyps. When both conditions are present, it’s called chronic rhinosinusitis with nasal polyps (CRSwNP).

How does CRSwNP affect asthma?

Chronic rhinosinusitis with nasal polyps can worsen asthma. The nose, sinuses and lungs are part of a “united airway.” Any inflammation in the upper airways can trigger asthma symptoms and flare-ups in the lower airways. Polyps can also disrupt airflow.

Due to the chronic nature of the conditions, people with CRSwNP and asthma tend to struggle with worse quality of life.

What causes CRSwNP?

The exact cause of CRSwNP is not fully understood, but several factors contribute to its development.

Sinuses and nasal passages are lined with a protective mucosal barrier that blocks germs and irritants. In people with CRSwNP, this barrier is weakened. When microbes and irritants get through, they can trigger long-lasting inflammation in the sinuses. Over time, this constant inflammation can change the structure of sinus tissue, leading to the growth of nasal polyps.

People with both CRSwNP and asthma may also have high levels of immunoglobulin E (IgE) antibodies and/or eosinophils in their body.

  • IgE is a protein in your blood that helps fight germs. In some patients, it can cause allergic reactions.
  • Eosinophils are white blood cells that fight infections. Too many can increase inflammation.

It’s important to get an accurate diagnosis. Your healthcare provider will take a detailed history of your symptoms and perform a physical exam. Additional tests may include:

  • Lung function tests. These can help diagnose or reveal the severity of asthma.
  • Blood tests. These can help determine levels of IgE and eosinophils for both asthma and CRSwNP.
  • Sinus CT scan. Images of your sinuses and nasal cavity can reveal the severity of CRSwNP.
  • Nasal endoscopy. This involves a tiny camera inserted into your nasal passages to search for polyps.
  • Allergy tests. These help identify allergies that could be triggering symptoms. (They are also used to diagnose allergic asthma.)

CRSwNP triggers often overlap with asthma triggers. They include allergens such as pollen, mold or pets. Nonallergic triggers include respiratory viruses, tobacco smoke, air pollution and cold, dry air.

How to treat asthma and CRSwNP together

Asthma and CRSwNP require different treatments. Medications are available. Working together with your doctor to manage both conditions gives you the best chance for relief and better breathing.

For asthma, it’s essential to keep symptoms under control. Most people use a daily controller inhaler with an inhaled corticosteroid. These medications can help reduce inflammation and keep the airways open. Quick-relief inhalers are also available for sudden asthma symptoms or attacks.

For CRSwNP, corticosteroid nasal sprays are the first-line treatment. They can help reduce swelling and inflammation in the nose. A short course of oral corticosteroids can shrink polyps and improve a stuffy nose, but long-term use can cause serious side effects. If medications aren’t working, surgery to remove the polyps may be an option.

Biologic medications can treat asthma and CRSwNP together. Given as injections every 2–4 weeks, they are often a good choice for people with moderate to severe symptoms who haven’t found relief with other treatments.

Biologics target the underlying inflammation, not just the symptoms. They help reduce airway swelling, improve breathing and can even shrink nasal polyps. Some biologics are specifically approved for people with high IgE or eosinophil levels. This can help patients maintain control of both asthma and CRSwNP.

Healthcare providers may also recommend lifestyle changes, such as avoiding triggers. This can also help reduce asthma and CRSwNP symptoms and help you feel better.

How to start taking control

If you have asthma with chronic sinus symptoms, it’s time to meet with your healthcare provider. Consider seeing a specialist such as a board-certified allergist. Ask about testing for CRSwNP, since sinus problems and nasal polyps may be making your asthma symptoms worse.

Visit AllergyAsthmaNetwork.org to learn more about asthma and CRSwNP.

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Genomic Testing: When Knowledge Gives You the Strength to Keep Fighting

2025-10-06T12:35:00

(BPT) – Adrianne Jouet will never forget the sound: “Huh.”

It was just one syllable from the mammogram technician, but in that moment, the 42-year-old mother of three knew something was wrong. When the tech started an ultrasound, Jouet immediately saw it too—a mass on the screen.

“Your mind goes to the worst place instantly,” Jouet recalls. “But I also knew I’d been doing everything right—following my doctor’s orders, getting screened every six months because of my family history. If this was cancer, at least we’d caught it early.”

What followed was a perfect storm of challenges. Scheduling a biopsy during the height of the pandemic proved difficult. Then Hurricane Ida knocked out power across New Orleans, where Jouet lived, threatening to destroy her biopsy results. When the results finally reached her, they confirmed her fears: Stage 1 invasive lobular breast cancer.

Fighting Back

After a double mastectomy with reconstruction, Jouet faced the next phase of her journey—preventing the cancer from ever coming back. Her oncologist consulted the genomic testing results that showed she was unlikely to benefit from chemotherapy but confirmed she would benefit from hormone therapy, thus prescribing tamoxifen, a hormone therapy commonly used for hormone receptor-positive breast cancer in premenopausal women, for five years.

“I can do five years. I mean, five years. It’s a piece of cake.” Adrianne thought. However, the side effects hit hard.

Hot flashes. Memory fog. Joint pain. Fatigue that made her marathon-running days feel like a distant memory. For someone who’d always been sensitive to medications, the daily struggle felt overwhelming.

She counted down the months. She pushed through the difficult days by focusing on the finish line. And finally, after four grueling years, she walked into her doctor’s office with a smile on her face.

“I’m going to be done soon!” she told her oncologist, already imagining life without the daily side effects.

But her doctor had different news.

“I really think you should be on it for ten years,” her oncologist said.

Ten years.

Jouet was stunned. She’d already endured four years, thinking the end was in sight. Now her doctor was asking for six more years—extending what she’d already committed to by double the time.

She trusted her doctor, but she needed more. She needed to see the evidence for herself. She needed to understand why ten years was necessary for her specifically. If she was going to commit to six more years of this struggle, she needed data—not just a recommendation.

The Data She Needed to See

Jouet knew she needed answers before she could commit to six more years. Through her work at genomic testing company Agendia, she was familiar with the MammaPrint® test—which examines 70 genes to assess a tumor’s risk of recurrence. Studies have shown it can help inform a range of treatment decisions, such as identifying women who may safely avoid extended hormone therapy and those who may benefit from continuing.¹,²

She asked for the test.

“I wasn’t doubting my doctor,” Jouet explains. “But when you’re four years into something incredibly difficult and someone asks you to double your sentence, you need to understand why. I needed to see the science behind it—the data specific to my tumor.”

Her MammaPrint results came back as “Low” risk—a classification that confirmed what her oncologist had recommended: The genomic data showed that for her specific tumor type, ten years of hormone therapy would significantly reduce her chance of recurrence compared to stopping at five.

“Seeing those results changed everything,” Jouet says. “It wasn’t just my doctor’s opinion anymore—I could see the molecular evidence. The test showed me exactly why those extra years mattered for my cancer. It didn’t tell me something scary or unexpected. It gave me proof that my doctor’s recommendation was right for me.”

Choosing to Fight—With Confidence

For Jouet, seeing the scientific evidence transformed everything. What had felt impossible suddenly felt necessary. She wasn’t just following orders anymore—she was making an informed choice based on evidence she could see and understand.

Armed with data, Jouet did the math. Six more years meant 2,300 additional days of side effects. But it also meant something far more important.

“The other 2,300 days that I still have, it’s worth it,” she says with conviction. “Why? Because of the risk of this coming back, I’m not willing to gamble that. I’m not willing to gamble missing a soccer game, or a cheerleading match, or a graduation.”

The MammaPrint test didn’t just provide scientific validation—it helped her see beyond the daily struggle to what she was truly fighting for. Every difficult day, every side effect, every moment of discomfort became bearable when weighed against the moments she refused to miss with her daughters.

A Message of Hope

Close-up of smiling Adrianne in a floral dress.

Today, Jouet uses her experience to encourage other women facing similar battles. She knows the journey isn’t easy—that some days will feel impossible, that side effects can steal your joy, that doubt can creep in.

But she also knows the power of having answers. The MammaPrint test didn’t deliver bad news or add fear—it provided clarity and confirmation that helped her move forward with confidence.

“You have unbreakable confidence,” Jouet tells other women with breast cancer. “You are stronger than you think you are. And whether you know it or not, you’ve already overcome your hardest day.”

This Breast Cancer Awareness Month, Jouet’s story reminds us that the fight against cancer isn’t just about treatment—it’s about empowerment. When women can see the evidence behind their treatment plan, they find the courage and conviction to face even the hardest days ahead.

Because sometimes, seeing the data for yourself makes all the difference in finding the strength to keep going.

To learn more about genomic testing and personalized breast cancer treatment, visit Agendia.com.

[1] Rastogi P et al. J Clin Oncol. 2024;00:1-9.

[2] van ‘t Veer LJ, et al. JAMA. November 2024.

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The hidden threat after heart bypass — and the new treatment that could save thousands

2025-10-06T05:01:00

(BPT) – For the hundreds of thousands of Americans who undergo heart bypass surgery each year, the relief of surviving such a major procedure is often shadowed by one sobering fact: The risk of another heart attack or stroke still lingers.

Bypass surgery reroutes blood flow around blocked arteries, but it doesn’t stop the underlying disease; atherosclerosis, the buildup of plaque and inflammation inside artery walls. This process continues even after surgery, keeping the danger alive. Now, groundbreaking new research shows that adding a small daily pill — low-dose colchicine, 0.5 mg — can make a life-saving difference.

A breakthrough in post-bypass care

In a newly published study, researchers found that patients who added low-dose colchicine to their standard therapy after bypass surgery experienced significantly fewer serious cardiovascular events. The findings are striking: if all 150,000 Americans who undergo bypass each year were treated with low-dose colchicine, it could prevent more than 8,000 heart attacks, 16,000 strokes and nearly 10,000 repeat procedures over five years.

That’s not just statistics — that’s tens of thousands of families spared the trauma of watching a loved one rushed back to the hospital for another life-threatening event.

The study’s authors also noted that bypass patients remain at risk for long-term plaque buildup. Early evidence suggests this ongoing process of atherosclerosis may also be reduced by low-dose colchicine, 0.5 mg — offering patients protection well beyond the immediate recovery period.

Why inflammation matters

Most people know high cholesterol can increase the risk of heart disease. But what’s less understood is the role of inflammation in fueling atherosclerosis.

According to Johns Hopkins Medicine, plaque buildup (atherosclerosis) in arteries can trigger inflammation, creating a dangerous cycle of more plaque and increased risk of heart attacks or strokes. If left untreated, this chronic inflammation can damage healthy tissue like arteries and the heart itself. Doctors sometimes describe it as a “slow-burning fire” inside the arteries — invisible but steadily damaging the heart.

Expert insight

“The research makes it clear that post-bypass treatment must address inflammation in addition to cholesterol,” said Jimmy Kerrigan, M.D., FSCAI, FACC, assistant professor of Medicine at the University of Tennessee Health Science Center and interventional cardiologist at Saint Thomas Heart at Ascension Saint Thomas West in Nashville, Tennessee. “For patients already taking a statin, adding low-dose colchicine, 0.5 mg daily, has been proven to significantly reduce the risk of life-threatening events like stroke and heart attack.”

Three tests that reveal hidden risk

Even if you’ve never had a heart attack or bypass, there are three simple blood tests that can give you and your doctor a clearer picture of your heart health:

  • LDL cholesterol: the “bad” cholesterol most patients already track.
  • Lipoprotein(a): a genetic risk factor not usually measured in routine checkups.
  • High-sensitivity C-reactive protein (hs-CRP): a marker of inflammation that many patients don’t even know exists.

For bypass patients in particular, hs-CRP can reveal whether dangerous inflammation, the very process driving atherosclerosis, is still smoldering inside the arteries. If your hs-CRP levels show ongoing inflammation, your doctor may recommend adding low-dose colchicine, 0.5 mg — currently the only anti-inflammatory treatment approved to reduce cardiovascular risk — to better protect against future events.

A call to action

If you or someone you love has had a heart bypass, don’t wait for another crisis to strike. Talk to your doctor about whether adding low-dose colchicine, 0.5 mg daily, could help protect against the hidden threat of atherosclerosis and inflammation.

To learn more about cardiovascular inflammation and to check your risk using a quick online quiz, visit CVDInflammation.com.

Indication:

Low-dose colchicine, 0.5 mg is indicated to reduce the risk of myocardial infarction (heart attack), stroke, coronary revascularization, and cardiovascular death in adult patients with established atherosclerotic disease or with multiple risk factors for cardiovascular disease.

LODOCO-PM-DP-092325-01-01

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Intensifying weather demands more resilient housing: How to build solutions

2025-10-02T14:01:00

(BPT) – In the U.S. today, low-income families face a shortage of over 7 million affordable homes. This housing shortage, coupled with the scarcity of low-income rental opportunities, is leading to a crisis that has caused homelessness to increase nationwide.

The crucial need for families to find safe, affordable homes spurs the urgent efforts of a number of non-profit organizations around the country, such as the well-known Habitat for Humanity. The organization is driven by the vision that everyone needs a decent place to live. Habitat homeowners are also empowered by helping to build their own homes alongside volunteers, and they pay an affordable mortgage.

Habitat for Humanity benefits from sponsorship by companies that can provide sustainable, resilient and climate-resistant building materials. For example, James Hardie Building Projects, a North American leader in fiber cement exterior design solutions, shows its ongoing support through sponsorship of the Habitat for Humanity 2025 Jimmy & Rosalynn Carter Work Project and their Habitat Strong efforts.

Impacts of climate on the housing market

From causing homes to be more vulnerable to damage to dramatically increasing insurance costs, extreme weather events are exacerbating the housing crisis in many areas of the country. This makes it even more important for the Habitat Strong initiative to concentrate its efforts on climate-resilient housing.

To help support this aim, James Hardie is focusing on constructing homes that can withstand extreme weather events while maintaining their affordability and energy efficiency. James Hardie’s durable siding products play a critical role as they are noncombustible* and provide unparalleled protection against moisture, pests and severe weather. Together with Habitat, the company is helping families thrive in their homes while also preparing for the increasing impacts of climate change.

Representatives of James Hardie building a home in partnership with Habitat for Humanity


Meeting local affordable housing needs, one project at a time

With continuing focus on sustainable, resilient and affordable housing, the Habitat Strong efforts aim to empower families and communities in the U.S. and internationally, while also advancing solutions to the world’s most pressing housing challenges, project by project.

For example, in Austin, Texas, the flagship event for the Habitat for Humanity 2025 Jimmy & Rosalynn Carter Work Project represents the organization’s legacy of bringing people together to build homes and communities by focusing on the urgent need for affordable, sustainable housing.

As a Dream Builder sponsor, James Hardie will support construction of safe, affordable homes in Austin, and contribute to the project’s larger goal of uplifting the lives of homeowners who face housing insecurity.

Giving back through focused fundraising

To continue making a difference toward easing the housing crisis, the 2025 inaugural James Hardie™ Pro Football Hall of Fame Invitational event raised significant funds to support the work of Habitat for Humanity, with donations contributing directly to the construction of new homes.

The fundraising efforts of the Invitational have made lasting impacts, including construction of a home built in collaboration with the Pro Football Hall of Fame in Canton, Ohio, in 2024. This positive momentum continues as James Hardie looks forward to the 2026 Invitational and anticipated contributions to affordable housing initiatives.

World Habitat Day and beyond

James Hardie celebrates World Habitat Day on October 6 with renewed support for Habitat for Humanity at a time when finding affordable housing is becoming increasingly challenging for many families. Through financial donations, volunteering or building awareness, Habitat and its corporate sponsors work to help families achieve greater stability and self-reliance through affordable, safe, climate-resilient housing.

The commitment from James Hardie helps Habitat for Humanity continue their life-changing work in communities around the country, through projects and initiatives that meet the needs of the moment — from their focus on affordable housing to using more energy-efficient and climate-ready modern materials like Hardie® products.

Learn more about James Hardie’s ongoing support for Habitat for Humanity and their Habitat Strong program, as well as the company’s products, by visiting JamesHardie.com.

*Hardie® fiber cement products are noncombustible and/or have a Class A fire rating when tested in accordance with ASTM E84. Fiber cement fire resistance does not extend to applied paints or coatings, which may be damaged or char when exposed to flames. The use of noncombustible siding, combined with other fire mitigation measures, may help harden a home against external fire.

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New study: What parents should know about financial planning for college

2025-10-02T06:01:00

(BPT) – During these times of economic change, Fidelity’s 2025 College Savings and Student Debt Study shows that 60% of parents worry market uncertainty could impact their ability to pay for their child’s education. According to the report, these economic uncertainties are affecting how parents and students are looking ahead, affecting everything from how parents view financial planning to students adjusting their future goals.

To help parents and students consider their options, Chandler Riggs, vice president, financial consultant at Fidelity Investments, answers questions about the study and explains how families can better prepare for the future.

What are the biggest takeaways from the 2025 College Savings and Student Debt Study?

“Fidelity’s 2025 College Savings & Student Debt Study highlights a clear shift toward practicality in how families approach planning and saving for higher education. Students are increasingly focused on affordability and career readiness, with nearly half citing cost as the most important factor when deciding when and where to pursue higher education. At the same time, parents are staying the course on their college savings despite recent market uncertainty, with many leveraging 529 plans to save. Encouragingly, families are having more conversations about how they’ll finance college, but the study also reveals persistent gaps in understanding student debt, which could lead to families underestimating their true financial burden after graduation.”

Why are students getting more practical about college?

“Living through recent times of economic uncertainty is the primary experience shaping how students view higher education today. Nearly half of college-bound students now say cost is “most important” when choosing where or how to pursue higher education. The number of high schoolers who say they’re most likely to consider vocational or technical school after graduation has also increased three times compared to 2021.

Overall, increased awareness of cost is causing students who are approaching the age of making decisions about college and future responsibilities to be more thoughtful about those decisions.”

What should parents keep in mind when planning for college?

“The first thing parents need to do is create a concrete plan for financing your child’s education. If you don’t have a plan, a financial professional like me can help you create one.

Second, talk with your children about realistic expectations and strategies for managing the cost of college. The Fidelity study showed an encouraging growth in these discussions, with nearly 70% of students and parents saying they’ve discussed how they’ll finance their education.

Finally, consider saving in a tax-advantaged account like a 529 college savings plan. The study showed that parents who plan to finance their child’s higher education with a dedicated college savings account report feeling positive, with over half saying they’re optimistic their child will be able to pursue higher education thanks to their savings.”

Is economic uncertainty changing the way parents save?

“Yes — more than half of parents we surveyed say they’re concerned about market uncertainty impacting their ability to finance their child’s college education. Despite those concerns, nearly three-fourths of parents say they’re staying the course when it comes to saving for college.

Among those who have made changes in response to recent market uncertainty, their top actions involve reducing how much they’re saving, or rebalancing or reallocating their investments to manage risk.

As a financial consultant, this is one of the key areas I support my clients on. We always look at when they need the funds when considering the asset allocation for their portfolio. If you won’t need your 529 funds for a while, you might consider allowing for more risk in your asset mix to increase your potential rate of return. Conversely, if you need the funds in the short term, consider a less risky asset allocation to help lessen potential anxiety during periods of market volatility.

Regardless of your time horizon or current economic conditions, it’s important to remember to rebalance your portfolio. If you prefer staying hands off with your investments, an Age-Based portfolio that automatically adjusts the asset allocation based on your beneficiary’s age could be a good option.”

How do 529 savings plans help pay for education?

“529 savings plans are flexible, tax-advantaged accounts designed specifically for education savings. These accounts can be used for a wide variety of education expenses, including college expenses, up to $10,000 per calendar year in expenses for K-12 schools ($20,000 for expenses beginning in taxable years after December 31, 2025), certain apprenticeship costs and even student loan repayments (up to $10,000).[1] And if you’re wondering about unused funds, worry not. Under certain conditions, you can transfer tax- and penalty-free up to a lifetime limit of $35,000 in a 529 to a Roth IRA opened by the 529 beneficiary, making these accounts a helpful option regardless of your child’s plans for higher education.[2]

If your child does choose to go to college, funds from a 529 plan can be used for tuition, fees, books, supplies and approved study equipment including computer technology, related equipment and software, plus internet access or related services used by the student while enrolled at an accredited postsecondary institution. Students enrolled at least half-time may also use 529 funds for room and board expenses.

Many families worry saving for college will hurt their chances of receiving financial aid, but because 529 savings plan assets are considered parental assets, they are factored into federal financial aid formulas at a maximum rate of about 5.6%.

Most importantly, when used for these qualified purposes, 529 plan withdrawals are not subject to federal income tax. Each plan is sponsored by an individual state, often in conjunction with a financial services company, like Fidelity, that manages the plan. Although you don’t have to be a resident of a particular state to invest in its plan, you should check with your home state first for any benefits it may offer.”

Learn more about how to plan and save for your child’s education at Fidelity.com/529, or call 1-800-544-1914 for complimentary access to dedicated college planning representatives.

Please carefully consider the plan’s investment objectives, risks, charges, and expenses before investing. For this and other information on any 529 college savings plan managed by Fidelity, contact Fidelity for a free Fact Kit, or view one online. Read it carefully before you invest or send money.

**Units of the portfolios are municipal securities and may be subject to market volatility and fluctuation.**

Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.

Fidelity Investments and Fidelity are registered service marks of FMR LLC.

Views expressed are as of the date indicated, based on the information available at that time, and may change based on market or other conditions. Unless otherwise noted, the opinions provided are those of the speaker or author and not necessarily those of Fidelity Investments or its affiliates. Fidelity does not assume any duty to update any of the information.

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© 2025 FMR LLC. All rights reserved.

[1] 529 distributions for qualified education expenses are generally federal income tax free. 529 assets may be used to pay for (i) qualified higher education expenses, (ii) qualified expenses for registered apprenticeship programs, (iii) up to $10,000 per taxable year per beneficiary for tuition expenses ($20,000 for expenses beginning in taxable years after December 31, 2025) in connection with enrollment at a public, private, and religious elementary and secondary educational institution. Although such assets may come from multiple 529 accounts, the $10,000 qualified withdrawal ($20,000 beginning in taxable years after December 31, 2025) limit will be aggregated on a per beneficiary basis. The IRS has not provided guidance to date on the methodology of allocating the $10,000 annual maximum ($20,000 beginning in taxable years after December 31, 2025) among withdrawals from different 529 accounts, (iv) amounts paid as principal or interest on any qualified education loan of a 529 plan designated beneficiary or a sibling of the designated beneficiary. The amount treated as a qualified expense is subject to a lifetime limit of $10,000 per individual. Although the assets may come from multiple 529 accounts, the $10,000 withdrawal limit for qualified educational loans payments will be aggregated on a per individual basis. The IRS has not provided guidance to date on the methodology of allocating the $10,000 annual maximum among withdrawals from different 529 accounts, and (v) tuition, fees, books, supplies, and equipment required for the enrollment or attendance in a recognized postsecondary credential program as defined under Section 529 of the Code and identified by the Secretary of the Treasury as being such a reputable program. Any earnings on distributions not used for qualified higher educational expenses or that exceed distribution limits may be taxed as ordinary income and may be subject to a 10% federal tax penalty. Some states do not conform with federal tax law. Please check with your home state to determine if it recognizes the expanded 529 benefits afforded under federal tax law, including distributions for elementary and secondary education expenses, apprenticeship programs, postsecondary credentialing programs, and student loan repayments. You may want to consult with a tax professional before investing or making distributions.

[2] Beginning January 2024, the Secure 2.0 Act of 2022 (the “Act”) provides that you may transfer assets from your 529 account to a Roth IRA established for the Designated Beneficiary of a 529 account under the following conditions: (i) the 529 account must be maintained for the Designated Beneficiary for at least 15 years, (ii) the transfer amount must come from contributions made to the 529 account at least five years prior to the 529-to-Roth IRA transfer date, (iii) the Roth IRA must be established in the name of the Designated Beneficiary of the 529 account, (iv) the amount transferred to a Roth IRA is limited to the annual Roth IRA contribution limit, and (v) the aggregate amount transferred from a 529 account to a Roth IRA may not exceed $35,000 per individual. It is your responsibility to maintain adequate records and documentation on your accounts to ensure you comply with the 529-to-Roth IRA transfer requirements set forth in the Internal Revenue Code. The Internal Revenue Service (“IRS”) has not issued guidance on the 529-to-Roth IRA transfer provision in the Act but is anticipated to do so in the future. Based on forthcoming guidance, it may be necessary to change or modify some 529-to-Roth IRA transfer requirements. Please consult a financial or tax professional regarding your specific circumstances before making any investment decision.

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Where style meets daily life: Surface trends to know

2025-10-01T09:01:00

(BPT) – October is Kitchen & Bath Month — time to give the two hardest-working spaces in your home a fresh look. From morning chaos to evening wind-downs, kitchens and baths set the tone for daily life. This year’s top surface trends — Restorative Retreats, Coastal Luxe, Moody Mid-Century and Hidden Gems — blend style, performance and practicality. Think spa-worthy bathrooms, bright and airy kitchens, bold retro vibes and clever small-space statements. Here are four ways to make everyday living feel extraordinary.

1. Restorative Retreats

Turn your bathroom into a serene sanctuary with Japanese-inspired design. Clean lines, soft neutrals and warm wood tones create balance and calm. Wetwall™ Waterproof Wall Panels bring spa-worthy veining and textures to showers, bath surrounds or accent walls — no demolition required. Style meets function in every corner.

Japanese design inspired bath with wood floors stand-alone tub and curved cabinets and fixtures.

2. Coastal Luxe

Light, airy and effortlessly chic. Scandinavian simplicity meets coastal vibes in bright kitchens with multifunctional islands, fluted details and soft curves. Wilsonart® Quartz designs like Glencoe, Marathi Marble and Bregava offer a stunning alternative to Taj Mahal quartzite, providing the elegance of natural stone with nonporous, low-maintenance durability. Everyday luxury has never been easier.

Scandinavian simplicity meets coastal vibes in this bright kitchen design.

3. Moody Mid-Century

Deep tones, bold shapes and layered textures bring retro sophistication to modern life. LUJO® TFL from Wilsonart adds wood-inspired finishes and luxury matte textures to cabinetry and wall panels — melding mid-century style with contemporary durability. Entertain, relax, repeat.

Deep tone LUJO<sup><sup><sup>®</sup></sup></sup> TFL from Wilsonart adds wood-inspired finishes and luxury matte textures to cabinetry and wall panels in this retro kitchen.” width=”600″ border=”0″></div> <div class=

4. Hidden Gems

Small spaces, big impact. Jewel-toned pantries, tucked-away bars and clever storage nooks shine with Traceless™ by Wilsonart. Its ultra-matte, fingerprint-resistant finish and velvet-touch feel bring bold style and effortless performance to compact spaces, turning them into stylish, functional showpieces.

Modern-style kitchen with jewel-toned pantries, tucked-away bars, and clever storage nooks shine with Traceless™ by Wilsonart.

This Kitchen & Bath Month, these four trends show that kitchens and baths can be more than just workhorses, they can be statement spaces. With surfaces that balance performance and beauty, they invite fresh ideas for creating rooms that truly shine.

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Considering a home generator? Why you should install now

2025-10-01T11:01:00

(BPT) – Have you considered installing a solar generator? Whether you want to be prepared for power outages and other emergencies, live off-grid or want to reduce your monthly energy bill, a solar home generator can get the job done.

However, if you’ve been sitting on the decision for a while, you could be missing out on thousands of dollars of savings. Read on to find out why now is the perfect time to purchase a solar generator and claim the Residential Clean Energy Credit.

What is the Residential Clean Energy Credit?

Solar home generators can be expensive, making them cost-prohibitive for many homeowners. Thanks to the Residential Clean Energy Credit, investing in this reliable, sustainable energy source for home use has become more affordable. The tax credit allows homeowners who purchase and install a qualifying solar generator to write off 30% of the purchase and installation costs.

However, homeowners will not be able to claim the tax credit after this year. Due to recent legislation, homeowners who want to save money on purchasing a solar generator need to act fast and purchase and install their generators before Dec. 31, 2025.

Am I eligible?

If you have purchased a new solar generator, you may be eligible to claim the tax credit. Not all products qualify, so it’s important to find models that meet the criteria.

Jackery — global leader of innovative solar generators and green off-grid energy solutions — offers many solar generators that qualify for the Residential Clean Energy Credit. When you purchase a qualifying Jackery product of over 3kWh capacity and have it professionally installed via a manual transfer switch, automatic transfer switch, or smart transfer switch, you can claim a 30% tax credit, reducing your overall cost. Depending on the price of the model, you may be able to claim the tax credit to cover the installation fee for the generator setup.

For example, the Jackery Solar Generator 5000 Plus is one of the most trusted solar generators for homes. It can power almost all household appliances. It has 12 output ports to power multiple appliances, such as fridges, computers, home servers, routers and more, and can be connected to a home’s crucial circuits through Jackery’s Smart Transfer Switch. According to Jackery, the standard price of this particular solar generator bundled with the Smart Transfer Switch is currently $2,799. If you are eligible to claim the tax credit, you could save as much as $839, reducing the net cost to $1,959.30 before installation.

The brand new Jackery HomePower 3600 Plus connected to a home through a manual transfer switch is eligible for the credit at even lower costs up-front, along with many other bundle options from Jackery.

Don’t wait until the end of the year

With the end of 2025 in sight, it’s time to start the process of purchasing and installing your essential home backup solar generator. It’s a practical and reliable way to ensure you always have power when you need it most.

Not sure how to get started? Jackery offers a step-by-step guide on how to apply for the tax credit. To learn more about eligible Jackery products, the Residential Clean Energy Credit and solar power, visit Jackery.com.

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From cellulite to sculpted: The non-invasive solution everyone is talking about

2025-10-01T09:01:00

(BPT) – Cellulite affects up to 90% of women — regardless of age, shape or fitness level. Often described as a dimpled “orange peel” effect, cellulite is caused by enlarged fat cells, reduced circulation and stiffened connective tissue beneath the skin. While exercise and diet can improve overall tone, they rarely address these root causes, leaving many women frustrated by the lack of visible improvement.

That’s why more women are turning to endermologie® treatments, a clinically proven, non-invasive technique designed to smooth cellulite, firm skin and sculpt body contours — all without needles, surgery or downtime.

The science behind the smooth

Developed in France and backed by over 175 clinical studies, endermologie® uses LPG®‘s state-of-the-art Cellu M6 Infinity® device to deliver targeted mechanical stimulation. This gentle yet powerful action helps:

  • Stimulate fibroblasts to boost natural collagen, elastin and hyaluronic acid
  • Reactivate circulation and lymphatic drainage to reduce fluid retention
  • Improve tissue suppleness for smoother, firmer skin

The result: Cellulite is visibly reduced, skin appears more toned, and body contours are refined — naturally.

Proven results

After a typical 12-session program with the Cellu M6 Infinity®:

  • 93% of women reported visibly smoother cellulite*
  • Skin firmness increased by 71%*
  • Waistline circumference reduced by up to 2.3 inches***
  • 50% reduction in heavy-leg sensations was observed**

“We’re proud to offer endermologie® at Vendôme Clinique & Spa | Sofitel Los Angeles at Beverly Hills, as it delivers exactly what today’s guests are seeking: visible results, deep relaxation and a refined spa experience. In just 35 minutes, it helps smooth the skin, reduce the appearance of cellulite and boost circulation — without any downtime or discomfort. It’s the perfect blend of wellness and indulgence.” – Sandrine Chevalie

A treatment that feels as good as it looks

Unlike aggressive or invasive procedures, endermologie® is comfortable and relaxing — often compared to a deep-tissue massage. Sessions are performed while wearing Endermowear™, LPG®‘s patented, breathable suit that enhances stimulation while ensuring comfort and privacy.

About LPG® America

LPG® America is the subsidiary of LPG® Group, the global leader in non-invasive beauty and wellness technologies. Our treatments are trusted by leading dermatologists, luxury spas, premium wellness centers and five-star resorts across the country.

We partner with the most prestigious destinations to bring endermologie® to clients seeking exceptional results, elevated experiences and natural beauty solutions.

Discover the benefits of endermologie® treatments and find an authorized provider near you: Find an LPG® center near you

Follow LPG® America for expert tips, results and innovations:

* Hausswirth C. et al. study report_ Institut BeScored 2024. Evaluation of the slimming, redensifying, smoothing and draining effect of the new Cellu M6® device: As of 12 sessions, 93% of women reported a smoothed orange-peel aspect and 92% reported an improvement in their skin’s firmness.

** 2024 BeScored study: Sensation of heavy legs reduced by 50% after the first session.

*** 2024 BeScored study: Waistline circumference reduction up to 2.28 inches (5.8 cm).