- As millions of Americans know, daily commutes can be stressful and monotonous. Couple that with winter weather, and staying alert is paramount--especially as road conditions start to deteriorate.
To that point, you never know when you're going to need to become a Timely Performance Driver.
Timely Performance is a term that describes being present in the moment when driving so you can maximize your car's performance and react quickly to surprising situations on the road. Based on a recent survey, 75 percent of U.S. adults say they need to become Timely Performance Drivers at least once a week, and those who reported a need to react quickly to a driving situation say they do so approximately 6 times per week.
BFGoodrich Tires has conducted a survey of driving behaviors. The study group included 1,009 adults (aged 18 years and older) living in the continental United States. The sample was representative of the general population in terms of geographic, demographic, and socioeconomic traits.
Overall, 82 percent of the survey respondents say that drivers often face unexpected situations on the road, and 54 percent agree that drivers drive better in potentially dangerous situations.
Andrew Comrie-Picard, a professional race car driver, X-Games athlete, and BFGoodrich ambassador, emphasizes that drivers of any age can (and should) practice Timely Performance Driving by staying alert so they can push their car to its maximum performance in the moments that matter most.
According to Comrie-Picard, key aspects of Timely Performance Driving include:
*Looking far down the road to anticipate potential issues and road hazards.
*Remembering the importance of smooth contol inputs, such as braking, throttling, and steering.
*Anticipating road conditions, such as standing water and slick roads.
*Driving with two hands on the wheel--no exceptions.
*Keeping distance between you and the car in front of you.
Comrie-Picard also says it's important to ensure that your tires are appropriate for your car and well-maintained. Specifically, he likes the BFGoodrich Advantage T/A Sport tire for its seasonality and performance capabilities during the harsh winter weather months, as well as throughout the year.
Additional information on BFGoodrich Tires, as well as other driving tips, can be found on http://www.BFGoodrichTires.com
- As we start the New Year, we have thoughts and make plans about resolutions. Many people with health-focused resolutions will head to the gym for a workout, turn to a weight-loss program or swap soda for water.
While these are worthy steps, it can be hard to maintain enthusiasm over time, leaving you short of your goals. In fact, more than half of the people who make resolutions will break them in less than six months.
Here are a few tips for meeting and keeping your health goals: set personalized and achievable milestones, incentivize yourself and get rewarded for your progress. Programs such as Go365, a wellness and rewards program by Humana, make getting and staying healthy, fun.
Go365, which launched Jan. 1, 2017, motivates members to make positive lifestyle changes by tracking simple wellness achievements. Members are able to choose their level of engagement and participate in personalized activities tailored to their specific health needs and interests.
The program is designed for everyone, so members can benefit whether they are training for a marathon or just getting up off the couch. When they reach a goal, such as running a 5K or participating in a sports league, they get rewarded. Go365 awards its members "Bucks" that can be redeemed for items such as gift cards, movie tickets and compatible fitness devices.
"We want members to stay engaged in their health. Wellness programs such as Go365 make it easier to start with healthy activities each and every day," says Joe Woods, Chief Executive Officer of Go365. "Go365's special features make healthy choices and working towards personal health goals rewarding."
Go365 is available with most Humana commercial insurance plans, and employers can even purchase it as a stand-alone wellness program. Ask your employer to explore Humana programs and you could reap the benefits.
To learn more, visit www.go365preview.com
- Bladder control is something few people want to talk about, but urinary incontinence is a huge and underreported problem. Studies show that 50 to 84 percent of elderly people in long-term care facilities suffer from unwanted urine leakage. In addition, younger people, especially women, are affected too. Seven to 37 percent of women aged 29 to 39 report some degree of urinary incontinence.
Sometimes urine leaks out when physical stress is put on the abdominal cavity (and, therefore, the bladder) from laughing, sneezing, coughing, or climbing stairs. In other cases, urine flows out before people can act on their sudden urge to go, a condition called overactive bladder. Incontinence can also be the result of other medical conditions, such as psychiatric disorders or urinary infections.
Overall, urinary incontinence affects 26 million Americans, while 33 million suffer from overactive bladder, according to the Simon Foundation and the National Association for Continence.
To prevent or control urine leakage, people can try exercises that strengthen the muscles that control urination. They can opt for drugs that calm overactive bladders or that allow the bladder to be emptied more easily. They can wear absorbent underwear or insert a disposable plug in the urethra. They can even have surgery to keep the urethra closed with a pelvic sling or an artificial valve.
But now there's a more natural approach to solving this problem -- a dietary supplement called UriVarx from Innovus Pharmaceuticals, Inc. (OTCQB Venture Market: INNV). UriVarx contains Cratevox stem bark, Horsetail herb, and Lindera strychnifolia root -- ingredients shown both to strengthen the connective tissue that supports the bladder and to relax the muscles in the bladder, thus allowing it to hold more urine.
And unlike most dietary supplements, UriVarx has proven results from rigorous clinical trials that show reductions of up to 50 percent in urinary incontinence and feelings of urgently needing to go.
"UriVarx is a real medical advance for bladder health," says Dr. Bassam Damaj, President and Chief Executive Officer of Innovus Pharma. "For the first time, people can confront this enormous problem of bladder control with a natural solution."
For more information, visit www.urivarx.com
- The college application process and the college prep testing that goes along with it can be overwhelming for students and families. Tests such as the SAT and ACT are an important element of the application process, and therefore a source of anxiety. However, only about 30 percent of public schools have an advisor dedicated to college prep.
An outside organization offering test prep courses, such as Sylvan Learning, can make a significant difference in test preparation. More than 15,000 students benefit from Sylvan's test prep programs each year with higher test scores, and even some perfect scores, according to the company.
"Students need someone to help them navigate through this very confusing process and Sylvan Learning's prep programs are a valuable resource for that," says Anathea Simpkins, Sylvan Learning's Director of College Prep Products.
Since the debut of the revised SAT in March 2016, Simpkins says, she has noticed that more students have trouble with the math section in which calculators are not allowed. The "Words in Context" items in the reading and writing sections also pose a frequent challenge for students. Sylvan has adjusted its SAT and ACT prep programs to focus on these challenging areas and help give students the edge they need, Simpkins notes.
Tips for success on the new SAT include:
*Read more. The new SAT includes word problems in math, passages in writing, and text to be read before composing an essay. In addition, several items may be based on one passage, and failure to read effectively could impact several answers.
*Focus in class. Much of the SAT comes from sources used in the classroom. Many passages in the reading and math sections draw from the context of social studies and science, so it is important to pay attention in all subject areas, recognize connections, and apply familiar concepts to new ideas.
*Know your tough spots. An initial diagnostic test can show where a struggling student needs help, so these skills can be a top priority during test prep sessions.
Sylvan Learning takes on the challenges of college prep tests by identifying the skills needed to succeed in each section. Each chapter of a Sylvan program includes robust practice and a unique online component, SylvanPrep.com, which provides thousands of video-based lessons for additional practice and support that is especially useful in a student's problem areas.
Visit sylvanlearning.com/prep for more details about Sylvan Learning's college prep programs.
- It used to be that families sat down at the dinner table and ate their evening meal together. These days, parents are juggling work and home, while running kids to and from various activities. Because of all of these demands, it can be a struggle to find a recipe solution that meets your needs.
You want to provide a wholesome, flavorful, home-cooked meal, but really, who has the time?
Fortunately, there are alternatives that can make you feel good about what you're serving, which is not too time-consuming to make.
The following one-pot prep meal is made with the smooth, firm texture of No Yolks noodles, the number-one brand of noodles in the US and Canada. Created in 1976, No Yolks noodles are the healthier alternative to regular egg noodles. They're made with egg whites, so they have no cholesterol and you can feel good about serving them.
One-Pot Creamy Noodles with Bacon & Peas
8 oz bacon, diced
12 oz No Yolks Extra Broad Noodles
2 cups diced onion
3-1/2 cups low sodium chicken broth
3/4 cup half and half
1 cup frozen peas
1/2 cup grated Parmesan cheese
1 Tbsp lemon juice
Salt and ground black pepper, to taste
1. Heat large deep skillet over medium-high heat. Cook bacon for about 5 minutes, stirring occasionally, until browned and crispy. Transfer to paper towel-lined plate; set aside.
2. Discard all but two tablespoons of grease. Add onions and cook for 5 minutes, or until golden brown and tender.
3. Add broth, half and half, and uncooked noodles to skillet and bring to a boil. Reduce heat to medium-low and simmer, covered, for 8 to 10 minutes or until noodles are tender. Stir occasionally while simmering.
4. Season with salt and pepper, and stir to combine. Add peas, Parmesan, bacon and lemon juice to skillet and cook for an additional 2 minutes or until heated through.
For more information and recipes, visit www.noyolks.com
- Sometimes we're so caught up in all the pro sports stars whose lives have been wrecked by misusing prescription painkillers that we forget the problem extends down to the amateur level.
And, yes, that does mean college and even high-school sports.
At least one study put the number of college student athletes who've used prescription medications to enhance their performance at as high as 53.3 percent. And another recent study on high school athletes, published online in the Journal of Child & Adolescent Substance Abuse, reported that 12 percent of male seniors and 8 percent of female seniors admitted to abusing painkillers.
To former ESPN.com columnist Gregg Easterbrook -- who wrote about painkillers in his book "The King of Sports: Football's Impact on America -- it's no surprise that the largest percentage of those young abusers play football.
"Youth and high-school players see an example that appears to be of men so tough, they laugh at pain," he wrote. "The message sent is that young players should use their own bodies recklessly."
So what's a concerned parent to do?
Well, if your child is experiencing neuro-musculoskeletal-related pain from playing sports-- spinal pain, say, from too many tackles or strained soccer kicks --first know that the Centers for Disease Control and Prevention last March began urging physicians to avoid prescribing opioids for chronic pain in response to a record high 28,647 deaths involving the highly addictive drugs in 2014.
Know, too, that the most popular non-pharmacologic alternative to routine care is drug-free chiropractic care.
"Doctors of chiropractic play a key role in sports health care by providing hands-on care that help improve range of motion, flexibility, muscle strength, and other key performance factors," notes the not-for-profit Foundation for Chiropractic Progress
' Sherry McAllister.
- Becoming entrapped in a grain-bin remains a real safety hazard for farmers and other grain handlers. Firefighters who are trained in grain-bin rescue techniques can make a lifesaving difference in an emergency situation. To emphasize the importance of grain-bin safety, Nationwide, the No. 1 farm insurer in the United States, is partnering with agricultural professionals and other industry leaders to host the fourth annual Nominate Your Fire Department Contest in conjunction with Grain-Bin Safety Week.
All the winners of the contest each receive a grain rescue tube and hands-on rescue training. Since its debut in 2014, the contest has attracted over 1,000 fire department nominations and awarded grain-bin rescue tubes and training to 32 fire departments across 15 states. One of those winners, the Westphalia Fire Department in Kansas, used their new skills in 2015 to rescue a man entrapped in a grain-bin.
"Deploying a grain rescue tube is the only way to safely remove someone trapped in grain," says Brad Liggett, president of Nationwide Agribusiness. "Until we can convince all farmers and other grain handlers to develop a zero-entry mentality, we will continue to make tubes available."
The safety contest runs from Jan. 1 through May 31, 2017. To enter, submit your nomination online at grainbinsafety.com, via email, or regular mail. Describe how the favorite fire department or emergency rescue team and rural community would benefit from receiving grain entrapment training and a rescue tube. Nominators must provide their name, occupation, phone number, mailing address, and email address, as well as the name, address, and phone number of the fire department or emergency rescue team being nominated.
Grain-Bin Safety Week 2017 is made possible by Nationwide, CHS, West Side Salvage, Specialty Risk Insurance, ABIS, KC Supply Co., The Scoular Company, Aurthur J Gallagher & Co., NOHR Wortmann Engineering, National Farm Medicine Center and the National Education Center for Agricultural Safety.
For more information about the contest or the nomination process, visit grainbinsafetyweek.com
- Looking for a resolution that can literally pay off even if you wind up not keeping it? Think your finances.That's right, unlike the gazillions of other New Year's pledges we make this time of year only to soon break -- can you spell D-I-E-T?-- simply vowing to handle fiscal matters better can have "a positive impact" on your bottom line.That's one of the more intriguing findings from Fidelity Investments' just-released eighth annual "New Year Financial Resolutions Study,"
and it's based on stats like these comparing respondents who said they'd made financial resolutions at the start of 2016 to those who hadn't:* Resolvers beat non-resolvers when it came to ending 2016 more debt-free than the previous year (45 percent vs. 34 percent).* They also now feel more "financially secure" (45 percent vs. 34 percent).* And they also feel more optimistic about their finances looking ahead to 2017 (52 percent vs. 37 percent).And those who actually did follow through on their resolutions?Sixty-six percent said they're now "in a better financial situation."The fact is, people who make resolutions on money matters tend to feel better about the state of their finances, which helps them stay engaged and make progress toward their goals," says Ken Hevert, Fidelity's senior vice president of retirement.So what did the study find to be the top three financial resolutions for 2017?Turns out Americans are remarkably consistent.For the eighth straight year, saving more topped the list among those at least considering making a resolution (50 percent), followed by paying down or paying off debt (28 percent), and spending less (16 percent).And while Americans were optimistic about 2017 -- Millennials being the most upbeat, with 87 percent of them believing they'll be better off financially -- those surveyed had some real concerns. Chief among them: the dreaded "unexpected expenses," which was Number One last year, too."Whether it's a new roof for your home or a medical emergency, the unexpected can throw your finances for a loop," says Hevert. "In fact, for those whose resolutions fell short in 2016, almost three-quarters said they were derailed by unforeseen expenses, so setting aside an emergency fund can create a buffer."Which makes resources like Fidelity's new online "Three Financial Resolutions for 2017"
especially worth reading. It includes a rather savvy tip on how people could find themselves with a $22,000 windfall if -- instead of paying the typical household's $43 a month in bank and credit card fees -- they switched to no-fee institutions and invested that money over 20 years at a hypothetical compound annual growth rate of 7 percent.Hmmm. Not a bad addition to anyone's resolutions list -; only, in this instance, they'd have to follow through on it.
- This article is a paid advertisement. The content was provided by One Reverse Mortgage.
When people want access to money from the equity in their home, they often turn to a Home Equity Line of Credit (HELOC). But homeowners who are 62 and older may have another option -- the reverse mortgage line of credit. Similar to the HELOC, a reverse mortgage line of credit's value is based on the equity in your home, and you can access the money whenever you need it.
Unlike a HELOC, the available funds in a reverse mortgage line of credit can be a big benefit for many people, because whether they ever use it or not, the reverse mortgage line of credit grows in value. This can be a great safety net that can cover future expenses for financially savvy clients. Another way people use the reverse mortgage line of credit is by receiving monthly distributions to live on while they defer the use of their retirement assets. This, in turn, may allow those assets more time to grow.
The reverse mortgage line of credit is widely used due to its many features. Some financial advisors are recommending that the reverse mortgage line of credit be used as a financial tool in retirement planning. But the line of credit is just one way to receive your proceeds from your reverse mortgage. You have other options, too. One of the best features of all reverse mortgage products is that you are not required to pay monthly mortgage payments; however, you are still responsible for paying homeowners insurance, property taxes, and home maintenance costs.
To receive more information, request a free guide from One Reverse Mortgage by visiting www.onereversemortgage.com/nu/
or call (888)779-8011 to speak to a licensed specialist. The licensed specialists at One Reverse Mortgage are trained to answer any questions you may have and get you started with a reverse mortgage product.
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These materials are not from HUD or FHA and were not approved by HUD or a government agency.
- The phrase 'six degrees of separation,' suggests that only a minuscule measurement is what divides one person from another. Today, the Internet of Things (IoT) has decreased those degrees dramatically, connecting us not only to each other, but to everything from our fitness trackers to our coffee makers.
Consider this: according to a recent report by the Federal Trade Commission, the number of Internet-connected devices tops 25 billion worldwide. And that number is expected to double in the next five years, according to experts cited in the report.
In a world where everyone and everything is connected, digital security is a must-have, just as important as the lock on your front door or the keys to your house.
"Technology is revolutionizing the way consumers use cars, homes, work spaces and everyday items," Rep. Darrell Issa, R- Calif., told USA Today in a recent interview. "These devices raise both opportunities and questions about regulatory policy, spectrum space, privacy and more."
Underscoring Issa's concerns are high-profile hacks, including one that took remote control of a Jeep on a busy highway. Experts warn who consumers need to understand that, although convenient, the IoT is an interconnected system, and security is needed to prevent a weakness in one device (like a SmartWatch) from becoming an open door to attack in another device (such as a connected car).
The good news is that sensitive industries such as banking, government, and healthcare have worked with companies like Gemalto
, a global leader in digital security, to solve difficult security challenges. While most may not recognize the name "Gemalto," experts say that almost everyone uses at least one or two of the company's solutions, which are embedded in a wide variety of connected devices, credit cards, passports, and ID badges.
So, to ensure that your data is protected from hackers, Gemalto recommends the following tips:
* Secure the device. Sensitive devices need an added layer of protection, such as a SIM card or a tamper-resistant Secure Element that stores data in a safe place.
* Control the access. Implement two-factor authentication to ensure that only authorized people are granted access to the data.
* Secure the data. Ensure that sensitive data is encrypted and that encryption keys are stored in a separate and safe place.
For more information, please visit www.gemalto.com