(NewsUSA) - Sometimes an egregious wrong gets righted.     

Such appears to be the case for military members and their families who’ve been seeking justice in the courts for exposure to contaminated water that sickened generations at the Camp Lejeune Marine base in North Carolina.     

Public outrage over their treatment heated up after victims’ lawsuits were dismissed in 2016 because of a state statute prohibiting plaintiffs from launching cases if more than 10 years have passed since the contaminating event. But last March the U.S. House of Representatives passed the bipartisan Camp Lejeune Justice Act of 2022 that essentially overrode that legal hurdle  -- “Thirty-four years of people were exposed to toxins in the drinking water,” one congressman raged -- and the Senate seems poised to follow suit.     

Now one of the nation’s most experienced tort law firms, Weitz & Luxenberg, has announced that it’s preparing to file lawsuits against the government in U.S. federal court on their behalf.     

“We believe they deserve compensation, especially because they and their families became sick while serving our country,” said Robin Greenwald, a partner at the firm and co-chair of its Environmental and Consumer Protection Unit. “They drank the water, they bathed in it, and they used it to cook their food.  And that water was contaminated with toxins at concentrations anywhere from 240 to 3,400 times the levels permitted by safety standards.”     

The 156,000-acre Camp Lejeune, with 11 miles of beach capable of supporting amphibious operations, is used for military training purposes primarily by the Marine Corps but also other branches of the armed forces.  Some of the most damning evidence comes from the U.S. Department of Health and Human Service’s own Agency for Toxic Substances and Disease Registry (ATSDR): “It is ATSDR’s position that exposure from the 1950s through February 1985 to trichloroethylene, tetrachloroethylene, vinyl chloride and other contaminants likely increased the risk of cancers, adverse birth outcomes, and other adverse health effects” for those on the base.   

The Marine Corps first discovered volatile organic compounds in Camp Lejeune’s drinking water in 1982. However, it was already too late for people like now-retired Marine Corps Master Sgt. Jerry Ensminger, whose 9-year-old daughter Janey died in 1985 after having been diagnosed with leukemia two years earlier.         

“The entire first trimester of (her mother’s) pregnancy was there on the base,” Ensminger told theHill.com on the eve of the bill’s passage. “We’ve got more documented evidence of what happened at Camp Lejeune than they have for Agent Orange.”   

Assuming the Camp Lejeune Justice Act is ultimately signed into law by the president, who would be eligible to file lawsuits?     

Those who lived, worked, or were exposed to drinking water at the base for at least 30 days from August 1, 1953, to December 31, 1987, and subsequently suffered water toxicity-related diseases.  Among the conditions associated with exposure to the chemicals found in the drinking water:       

• Breast, lung, liver, kidney and esophageal cancers     
• Leukemia     
• Cardiac defect     
• Female infertility     
• Miscarriage     
• Parkinson’s disease     
• Non-Hodgkins lymphoma     
• Fatty liver disease   
 • Myelodysplastic syndromes     
• Multiple myeloma     
• Renal toxicity     
• Neurobehavioral effects     
• Scleroderma     

Weitz & Luxenberg encourages those who believe they fit the criteria and have been diagnosed with one or more of those conditions to schedule a free consultation.     

The firm has a stellar track record in handling toxic contamination lawsuits. It won a landmark $423-million settlement against some of nation’s biggest oil companies, for example, in a suit involving the contamination of 153 public water systems with the gasoline additive methyl tertiary butyl ether. And Greenwald was co-lead counsel for an $11 billion settlement in 2020 against Monsanto Company on behalf of nearly 100,000 Americans suffering from Non-Hodgkins lymphoma from their exposure to the weed killer Roundup.       

As for Camp Lejeune, the ATSDR has said as many as 1 million military and civilian staff and their families might have been exposed to the contaminated drinking water. The victims who initially stepped forward only to have their cases dismissed in 2016 because of the North Carolina statute -- and they were only a tiny fraction of that number -- had reportedly filed claims totaling nearly $4 billion.

(NewsUSA) -  

“Grocery Girl”
by Virginia’dele Smith       

This is the touching first book in the Green Hills wholesome small-town romance series. If you like strong but vulnerable characters, emotional growth, and quaint backdrops, then you’ll adore this celebration of joy.  

Maree Davenport refuses to let a tearful past rule her future. The big-hearted fabric designer is determined to find happiness. When she literally runs over a handsome new firefighter in the produce section, the hopeless romantic is certain she’s just collided with destiny.  

Everyone Rhys Larsen ever loved has died. And though he may have hit it off with Maree, the haunted EMT knows better than to let her into his heart. But when an accident leaves her wounded and in need of care, he vows to nurse her back to health. Purchase at https://amzn.to/3IuASdT.

“Bed of Rose and Thorns”
by Lee Hunt  

Sir Ezra is an Elysian Bell; he has a frightening potential that he keeps hidden deep beneath tight layers of steel armor. He secretly loves a dark Queen whose touch would mean his death. Banished for brutally slaughtering the Prince of Erle and husband to the Queen, Ezra can only dream of seeing her again.  

Recalled to the Queendom after 11 years, Ezra hopes to catch a fleeting glimpse of the woman he was sacrificed for. Instead, he finds a nation in rebellion and the Queen to be an elusive phantom. His only friend, Sir Marigold, tells him that he is not needed in the capitol. Looking for both the truth and the absent Queen, Ezra only finds more secrets and enemies. Purchase at https://amzn.to/3tFs8xH.

“Diet for Great Sex: Food for Male and Female Sexual Health”
by Christine DeLozier, L.Ac.  

Sex truly becomes great when our nerves, blood vessels and hormones operate in synchrony. Luckily, modern research has shown that diet affects this trifecta, and having a great sex life just might  be as easy as preparing the right dinner.  

In this cheeky scientific guide, author Christine DeLozier, a licensed acupuncturist, explains how the foods we eat can balance hormones, increase blood flow and strengthen nerve conduction to and from the genitals. Calling upon her years of experience treating sexual health issues, and her training as a research scientist, DeLozier walks readers through the specific foods that will lead to great sex and explains the science of how it works. Purchase at https://amzn.to/3Ddghd6.

“Gut Feelings: The Patient’s Story”
by Douglas A. Drossman MD and Johannah Ruddy M.Ed.  

Gut-brain disorders affect about 40 percent of all Americans. This book builds upon the authors’ first book, “Gut Feelings: Disorders of Gut-Brain Interaction,” by presenting the personal stories of eight patients to create a full understanding of their disorders, personal experience of illness and their relationship with the health care system.  

Says MD and NY Times bestselling author Will Bulsiewicz, “In these stories lie an overarching message of hope. Solutions do exist! Healing is possible! But what you will discover, time and again, is that the first step toward healing is the creation of a healthy provider-patient relationship.” Jill Preyer, a patient, adds, “It is very meaningful to finally understand what had been going on in my body all these years.” Purchase at https://bit.ly/3vN3Mmu.

NOTE: BookBites is presented by BookTrib.com.

Reissue: June 15, 2022

(NewsUSA) - Today, many adults have elderly parents who live independently. As the number of digital scammers preying on the elderly increases, however, your aging parents are at higher risk of financial fraud.     

“You must be ready to safeguard your parents against the growing threat of digital scammers and become their trusted advocate,” says Laura J. LaTourette, CFP.® Not long ago, LaTourette had to come to the aid of her own mother, who had been targeted by scammers pretending to help upgrade her computer.     

Here are several tips LaTourette offers for protecting your parents’ finances as they age:     

• Talk it over. Sometimes talking about money is tricky, even with close family members. Older adults need to understand that they are at risk for fraud if they don’t have someone to help manage their money as they age. Ask about spending, saving and philanthropic habits, and know who has access to your parents’ account information.     

• Form a team. Enlist other family members if needed, and identify other trusted contacts with whom your parents feel comfortable discussing money matters. If your parents work with a CERTIFIED FINANCIAL PLANNER™ professional, set up a meeting to talk about fraud protection and create an elder care plan for your parents.     

• Make safety simple. Set up online account information, and show your parents how they and you can monitor account activity. Set up automatic withdrawals for monthly bills. If your parents still like to review and balance their checking accounts each month, use that as an opportunity to identify anything that looks out of the ordinary.     

• Establish power of attorney. As parents age, they may need someone else to communicate with financial institutions or health care providers. Make sure your parents have an updated power of attorney that lists you and/or any other trusted contacts. The same goes for a medical power of attorney.     

• Shred what you can. Many older adults have financial documents that don’t need to be kept, but because of sensitive information cannot simply be thrown out or recycled. Once you identify old financial documents, either shred them yourself at home or gather boxes of material to take to a community shredding event, which occur periodically in most communities.     

• Check their credit. Be sure to monitor your parents’ credit reports at least once a year; this helps ensure that no one is opening any false accounts using their identities.     

Visit LetsMakeAPlan.org for more information on how to assist your parents in safeguarding their finances as they age.

Reissue: June 15, 2022

(NewsUSA) - In a landmark Memorandum of Understanding (MOU) signed on May 17, 2022, by Mitch Carmichael, the Secretary of State for Economic Development of West Virginia, and Yong Soo Jun, Chairman of UNDBIO, Inc. the State of West Virginia agreed to provide fiscal, tax, and other incentives to promote UNDBIO’s production of insulin in West Virginia.  Secretary Carmichael also pledged to work with state, county, and local officials to promote UNDBIO’s insulin production.     

The purpose of the MOU is to meet the need for reasonably priced insulin in the United States and North America, as currently over 50 million persons are suffering from diabetes in the United States. In West Virginia alone 16 percent of the adult population suffers from diabetes.  The most commonly used forms of analogue insulin cost 10 times more in the United States than in any other developed country.     

UNDBIO estimates that its manufacture of insulin will create 1,200 new jobs in West Virginia and result in the transfer of its innovative technology platforms including human insulin, insulin analogues, and delivery innovation such as insulin sustained release injection.     

UNDBIO will commence its research and construction of its West Virginia manufacturing plant in the second half of 2022, complete its pilot facility in 2023, and manufacture clinical drugs for human clinical trials in 2024.     

“I am happy to establish our relationship with the State of West Virginia to manufacture affordable insulin and insulin analogues for the diabetic population around the globe,” said UNDBIO’s Chairman Jun. “We would welcome other partners and investors into our global insulin project,” he said.     

UNDBIO officials recently met with U.S. Senator Joe Manchin (D-W.Va.), who said, “UNDBIO has showcased their commitment to bringing long-term, good-paying jobs to West Virginia and as UNDBIO, WVU and state officials continue discussions, my staff and I are prepared to support these efforts to bring manufacturing opportunities to the Mountain State.”     

Support is echoed by U.S. Senator Shelley Moore Capito (R-W.Va.), who said “The news of this agreement between UNDBIO and the State of West Virginia is a positive step forward in UNDBIO’s quest to manufacture insulin right here in West Virginia. While there is still more work to do to finalize this new facility, I stand ready to help to make sure this becomes a reality. I congratulate UNDBIO on this advancement and look forward to supporting them in their investment that could lead to creating more than 1,000 jobs in West Virginia.”     

UNDBIO has signed a Memorandum of Understanding indicating its intention to manufacture insulin at the Research Park owned by West Virginia University (WVU) in Morgantown, West Virginia. The support of federal and state officials of West Virginia was echoed by Gordon Gee, President of West Virginia University, who said, “We look forward to building a strong relationship with UNDBIO that can further an important part of our land-grant mission to provide opportunities for better access to health care.”     

For further information, contact: Dr. Haiching Zhao/UNDBIO, [email protected]; Tel: 240-234-4717.

Reissue: June 15, 2022

(NewsUSA) - Summer marks the beginning of fun warm-weather activities, which for many people may include an eagerly anticipated summer vacation. U.S. travelers spent about $150 billion on summer travel in 2021, according to the Allianz Partners’ Vacation Confidence Index. Experts predict that spending will be higher in 2022.     

While summer trips can involve a hefty price tag, they don’t have to. Setting and sticking to a vacation budget will help you keep costs down. A CERTIFIED FINANCIAL PLANNERTM professional can work with you to plan ahead and save up for the vacation you want without sacrificing your financial health.     

Here are five tips to help you make the most of your summer vacation dollars:     

1. Determine your total trip budget. Determine what you can afford and how much you are comfortable spending. Be sure to include often-overlooked costs such as parking fees, tips, internet service and souvenirs, as well as unexpected expenses. If you are traveling internationally, check the currency exchange rate and include any related fees in your budget.       
2. Plan as far ahead as possible. There are typically more options and lower prices for lodging, flights, and rental cars when you book early. Planning ahead also gives you more time to save for your trip before departure day.    
3. Get creative. You may be able to save money by booking flights for one or two family members at a time or buying one-way tickets instead of round-trip fares. In some places, private rentals may have lower nightly rates than hotels. Opting to travel by train, bus or an RV instead of flying might also cut costs.   
4. Look for free or reduced-price activities at your destination. Festivals, farmers markets and concerts in the park are a few outdoor events that are often free to attend. Museums, historic sites and other popular attractions may offer coupons, discounts for advance ticket purchases or lower rates at certain times of day. And if you have children, be sure to check if discounted rates are available for certain age groups.         
5. Pack your snacks. When possible, consider bringing food with you on a trip, or if your accommodations allow it, buying groceries when you arrive at your destination. Many grocery stores also sell pre-made sandwiches and other goodies that can save you money on lunches and snacks. If you’re staying at a resort, check to see if it offers an all-inclusive package. 

To find a CFP® professional near you to help you plan your next vacation, visit LetsMakeAPlan.org. With some thoughtful planning and careful budgeting, you can enjoy your time off without worrying about the financial consequences.

(NewsUSA) - 100.

That’s the age that 69 percent of Americans say they want to live till, according to a just-released “Longevity and the New Journey of Retirement” study conducted by financial services firm Edward Jones in partnership with Age Wave and The Harris Poll.  

If that seems surprising, it may be because most of us envision what used to be called our “golden years” unfolding far differently than they did for our parents and grandparents.  “Today’s retirees have a growing array of opportunities to stay engaged, possibly reinvent themselves, and enjoy the freedoms that stage of life affords,” said Edward Jones’ Ken Cella.

Ah, but, just how enjoyable your later years wind up being depends on which “path,” as Edward Jones calls it, you follow.

1.Purposeful Pathfinders

You’ve seen the photos of older couples hiking or happily sightseeing outside the Eiffel Tower, right?  Unless they inherited their wealth or hit the lottery – two things you don’t want to depend on – it’s likely because they began saving for retirement earlier (age 34, on average) than most of the more than 4,000 retirees surveyed and invested their money wisely along the way.  Ergo, with 78 percent of this group reporting that they’re in “great shape financially,” four words describe their retirement:  happy, engaged, productive and contributory.  

2.Relaxed Traditionalists

Rest, relaxation and generally enjoying life free from past responsibilities typify them.  They, too, have mainly heeded Edward Jones’ most important warning: “The value of financial foresight cannot be underestimated since the conventional three-legged stool for funding retirement – pensions, Social Security and personal savings – has become even more wobbly, and unexpected expenses like healthcare can arise.”  

The most open to relocating – including to an adult living community –moving was made easier for them since they’d been saving since age 37 and may even have used the sale of their house to finance it.    

3.Challenged Yet Hopefuls

Okay, here’s where things start to get a bit dicey.

Most of those surveyed said they should have started saving at age 29; this group, ruefully as they now admit, actually started at 45, which was seven years later than the average of those polled.  

Consequently, while they lead active lives and are doing the best with what they have, their retirement years are what you would call “constrained.”  

How constrained?  Half admitted to often worrying about outliving their money and 54 percent with retirement accounts have resorted to early withdrawals.

4.Regretful Strugglers

The name says it all.

The least prepared for retirement, they’re also unfortunately the largest group of retirees (31 percent) and have little if any savings.

They’re also the most unhappy, the most regretful about the choices they’ve made, and the most down on life in general.

Sounds bleak?  Wait, it gets worse.

A whopping two-thirds of them seriously worry about outliving their savings.  A fate you wouldn’t wish on your worst enemy and one you can potentially avoid by consulting a financial advisor, like a trusted local one at Edward Jones, who can help bring you closer to the future you see for yourself.  Plus, one of the firm’s free online tools even lets you calculate whether you’re on track to save enough to retire when you want.    

Whether you live to be 100 or not is an entirely different story.

Reissue: June 15, 2022

A CERTIFIED FINANCIAL PLANNER™ professional makes a commitment to CFP Board to act as a fiduciary, which means acting in their clients' best interests at all times when providing financial advice. You should want a financial adviser who makes this commitment directly to you. Therefore, whomever you choose as your financial professional, including a CFP® professional, you should consider getting a written engagement that requires them to have a fiduciary obligation to you.

Professional standards are important to protect consumers. CFP Board's Code and Standards sets forth the commitment that all CFP® professionals make to CFP Board. This includes duties to maintain the confidentiality and protect the privacy of client information.

In addition, CFP® professionals commit to CFP Board to disclose any conflicts of interest that might affect the professional relationship and compromise the CFP® professional's ability to act in their clients' best interests.

Approximately one year ago, CFP Board updated its Code and Standards to mandate that all CFP® professionals commit to CFP Board to act as fiduciaries for their clients when providing financial advice.

"Simply put, someone acting as a fiduciary should deliver financial advice that is clear, specific, objective and thorough," says Dan Candura, a CFP Board Emeritus® member and Founder of Candura Group, LLC.

Professionals who follow CFP Board's Code and Standards commit to fulfilling three key duties as part of their fiduciary duty:

- Duty of Loyalty. This means putting their clients' interests first.

"Your interests should be placed above the interest of the CFP® professional and the CFP® professional's firm," according to CFP Board's website.

- Duty of Care. This means being careful, acting with prudence and diligence in making recommendations to clients.

For example, if you receive a sudden windfall of money that you want to delay investing, a CFP® professional who abides by a commitment to CFP Board will review the reasonable options and consider factors such as risks and interest rates in making the best recommendation.

- Duty to Follow Client Instructions. This means complying with all objectives, policies, restrictions, and other terms on which you have agreed, and "all reasonable and lawful directions of you, the client," according to CFP Board.

"Meeting these three duties enables CFP® professionals to honor their commitment to CFP Board to act as a fiduciary, in the client's best interest. Certainly, that is what every client deserves," Candura says.

To learn more about how CFP Board's Code and Standards for CFP® professionals help protect consumers, visit LetsMakeAPlan.org.

A CERTIFIED FINANCIAL PLANNER™ professional makes a commitment to CFP Board to act as a fiduciary, which means acting in their clients' best interests at all times when providing financial advice. You should want a financial adviser who makes this commitment directly to you. Therefore, whomever you choose as your financial professional, including a CFP® professional, you should consider getting a written engagement that requires them to have a fiduciary obligation to you.

Professional standards are important to protect consumers. CFP Board's Code and Standards sets forth the commitment that all CFP® professionals make to CFP Board. This includes duties to maintain the confidentiality and protect the privacy of client information.

In addition, CFP® professionals commit to CFP Board to disclose any conflicts of interest that might affect the professional relationship and compromise the CFP® professional's ability to act in their clients' best interests.

Approximately one year ago, CFP Board updated its Code and Standards to mandate that all CFP® professionals commit to CFP Board to act as fiduciaries for their clients when providing financial advice.

"Simply put, someone acting as a fiduciary should deliver financial advice that is clear, specific, objective and thorough," says Dan Candura, a CFP Board Emeritus® member and Founder of Candura Group, LLC.

Professionals who follow CFP Board's Code and Standards commit to fulfilling three key duties as part of their fiduciary duty:

- Duty of Loyalty. This means putting their clients' interests first.

"Your interests should be placed above the interest of the CFP® professional and the CFP® professional's firm," according to CFP Board's website.

- Duty of Care. This means being careful, acting with prudence and diligence in making recommendations to clients.

For example, if you receive a sudden windfall of money that you want to delay investing, a CFP® professional who abides by a commitment to CFP Board will review the reasonable options and consider factors such as risks and interest rates in making the best recommendation.

- Duty to Follow Client Instructions. This means complying with all objectives, policies, restrictions, and other terms on which you have agreed, and "all reasonable and lawful directions of you, the client," according to CFP Board.

"Meeting these three duties enables CFP® professionals to honor their commitment to CFP Board to act as a fiduciary, in the client's best interest. Certainly, that is what every client deserves," Candura says.

To learn more about how CFP Board's Code and Standards for CFP® professionals help protect consumers, visit LetsMakeAPlan.org.

(NewsUSA) - Whether you are a recent college graduate, a grad student in a new city or a young professional shifting gears into a new job, finding your first home as an independent adult can seem daunting, but a few key points can put you on the path to your own place.         

Pick a location. If you are in graduate school or have taken a new job, your location may already be predetermined. For those looking to move for a fresh start, mid-sized cities such as Colorado Springs, Boston, Seattle and Milwaukee have been gaining traction among young professionals for their blend of affordable housing, diverse social life and variety of entertainment options.     

Determine wants vs. needs. How much space do you need? Will you have roommates or pets? Think about what suits your lifestyle. Would you like to live in a high-rise building that includes amenities such as a gym, or a pool, or would you like to live in a three-flat apartment that’s on a quiet neighborhood street? Make a checklist of must-haves and nice-to-haves before your start your search.     

Make safety a priority. Being new to a city or area can make you feel vulnerable, which is why knowing what security measures a building uses can go a long way toward feeling safe and comfortable at home.     

Since safety and security start at the front door, check to see what type of entryway system the building has. The latest systems feature intuitive technology that provide residents with the ability to open the door from an app on their smartphone and the ability to visually confirm who’s requesting access, such as a friend, delivery driver or service worker..     

One example of this technology is the award-winning LiftMaster Smart Video Intercom powered by myQ.® With a smart video intercom such as LiftMaster at the property’s entrance, residents can safely unlock the door or gate from the myQ Community app and verify guests’ identities before granting them entry to the building or community from their smartphone. You can rest easy knowing that all visitors who enter your building are logged and accounted for.     

When choosing your apartment, ask about security. It’s as important as asking about parking, pets and plumbing features.     

For more information, visit myq.com/community/resident about keeping your home safe and secure.

Reissue: June 15, 2022

"A Pastor's Pit"
by Judge Roy Sparkman

Religious liberty is under attack in the United States. Faced with legal challenges for the mere action of preaching from the Bible, Pastor Preston and his supporters confront a terrifying truth: the U.S. Constitution is no defense against a biased district attorney obsessed with sending him to prison.

A "Pastor's Pit" exposes the threat to the religious liberty that people of all faiths take for granted, as well as the crucial role that U.S. Supreme Court appointments and presidential elections play in maintaining the rights of all citizens. How can a pastor be indicted and tried for the "crime" of preaching from the Bible? Will the courts send him to prison or uphold his constitutional freedoms? Purchase at https://amzn.to/2NHapnh.

"Irina"
by Philip Warren

A masterfully detailed historical novel of culture, religion, history and politics of the times intertwined with a deeply moving portrayal of tragedy, hope and perseverance. This is Irina's journey from Polish serving girl to French businesswoman. Her determination and curiosity will make you cheer, and her harrowing escape from those who would thwart her progress will have you holding your breath.

Poznan, Poland 1378. Irina is dying. Despite her storied life, one loss is not accounted for: her only son. In a world dominated by men, Irina finds that she can thrive, having everything she could want but the answer to one question. A rich, wonderful saga. Purchase at https://amzn.to/3hQ859Y.

"On the Way to Casa Lotus"
by Lorena Junco Margain

This is a memoir of family, art, injury and forgiveness. The author -- a passionate art collector and devoted wife and mother -- is already shaken after abruptly fleeing Mexico and relocating in the USA with her family. Then, she learns she has a tumor, which simple surgery can mend. But to err is human -- even for surgeons. Rather than improve after surgery, her condition worsens.

Deeply compassionate, wise and poetic, the memoir lays bare some of the most poignant contradictions of the human condition, blurring the distinctions between guilt and neglectfulness, anger and sorrow, humility and shame, gratitude and despair. The book plants a seed of hope that loss and pain can serve a higher purpose. Purchase at https://amzn.to/3vYcbRf.

"Indecent Exposure"
by Viola Trivette 

Meera and Aaron have been pitted against each other since law school in their fight for a higher class rank and their ever-growing gap in political views. Apart from constant class bickering, Meera avoids Aaron after an awkward moment in an empty classroom their first year. However, as graduation approaches, she starts to regret all those nights she spent alone in the library and finally agrees to go out with her roommate where she bumps into Aaron at a noisy club.

Although both characters are undeniably drawn to one another, they refuse to admit what's between them. What ensues is a game of back-and-forth as they each try to force the other to concede. Purchase at https://amzn.to/3he4Xok.

NOTE: BookTrib's Bites is presented by BookTrib.com