Yes, we're talking 529 plans. They've been around since 1996 - longer than most Generation Zers have been alive - but a new survey from Edward Jones found that a whopping 67 percent of Americans don't have a clue that they provide a tax-advantaged way to save money for tuition, books and other qualified education-related expenses at most accredited two- and four-year colleges, universities, and vocational-technical schools. Worse still, that 67 percent figure is 5 percent higher than the first time the survey was done in 2012.

"It's a concerning trend," says Tim Burke, a principal at the financial services firm Edward Jones.

"Concerning" because of the current average price tag of a four-year degree, including tuition, room and board: $21,370-a-year at public schools, according to the College Board, and $48,510-a-year at private schools.

And just how do those surveyed think they're going to handle that freight?

* Personal savings accounts (38 percent). Alas, the national average interest rate on such accounts is a measly 0.09 percent. Try covering even the more than $1,200 the average college student spends on books and materials over the course of a year with that.

* Scholarships (35 percent). Is your kid a bona fide child prodigy or football star? Because Sallie Mae's "How America Pays for College" 2018 report found that only 17 percent of college costs were paid this way.

* Federal or state financial aid (33 percent). Pell Grants are the largest source of federally funded grants, and they max out at $6,095 for the 2018-19 academic year. That would cover about 28 percent of one year's $21,370 average cost at a public college - except that, as the College Board explains, "most students receive smaller grants because they are enrolled part time or because their family income and assets reduce their aid eligibility."

* Private student loans (20 percent). According to the Brookings Institution, parents who take out loans - not the financially strapped Millennials we've heard so much about it - do so to the tune of $16,000 a year on average, and nearly 10 percent are on the hook for $100,000. "College debt is increasingly becoming a parent problem, too," ConsumerReports.com just warned.

Given all that, you can see why Kyle Andersen, another principal at Edward Jones, says that "by relying on scholarships or federal or state financial aid that a student may or may not receive, Americans leave themselves vulnerable."

Which brings us back to 529 plans.

Kudos to the 18 percent of those surveyed who said they'd implemented this strategy, which Edward Jones and others call "an attractive and practical way to save." How so? Remember when we said they're tax-advantaged? That means that (unlike personal savings accounts) the earnings in these plans - typically comprised of a portfolio of funds - accumulate tax-free, and that qualified withdrawals are exempt from both federal and state income taxes.

The federal gift tax exclusion allows a contributor to give up to $15,000 per year, per beneficiary, or $30,000 for married couples. Though almost every state has its own 529 plan - with total limits sometimes reaching more than $500,000 - there's no "home-town restriction," so you might want to work with a local Edward Jones financial advisor to compare plans and review your situation.

Oh, one other thing less than half of those surveyed knew: 529 plans can also be used to pay for qualified K-12 tuition.

With a secluded beachfront location on the northwest (or Caribbean) side of the coast of the island of St. Lucia, Calabash Cove offers privacy and luxury for adults only.

The Calabash Cove guest list includes singles and couples, some honeymooners, some celebrating an anniversary or other special event, and others looking for a simple but elegant getaway with some personal space and well-prepared meals. Visitors come from the United States, Canada, Europe, and around the world.

The resort and spa is a full-service resort: the optional Unconditional All-Inclusive package covers all food and drinks including room service, daily specials, an in-room bar, lobster when in season, and more than 20 wines by the bottle from the resort's extensive wine list. Tips and Wi-Fi are included as well.

Part of the resort's appeal is its promise of intimacy - only 26 suites, all with a king bed, Jacuzzi, double vanity, rain shower, private balcony or patio, ocean view and cable TV. The resort is built along a sloping hill and was designed to complement and harmonize with the natural surroundings and offer guests full benefit of ocean breezes and sunset views.

The property includes a private beach with nearby coral reef, as well as tropical gardens and groves of trees to set the scene for reflection and relaxation.

Calabash caters to a quieter crowd, says owner Konrad Wagner

"If guests like a large, noisy, and ordinary resort, Calabash Cove Resort & Spa may not be best for them," he explains.

"A crowd for many of them is when three couples decide to charter a boat for the day to visit the Pitons for snorkeling."

Calabash guests "enjoy dinner music every night at a volume suitable for a conversation," he adds.

However, guests looking to sprinkle their serenity with activity can take advantage of a Cybex cardiovascular fitness center, or get out on the water with kayaks, paddle boards, and snorkeling gear, all available at no additional charge.

Calabash Cove is ideally situated five minutes north of Castries and five minutes south of Rodney Bay Village, with approximately 40 bars and restaurants to cater to a range of tastes when guests crave a change of scene.

Visit calabashcove.com for more information.

However, nothing quite replaces the in-person contact with family, and family reunions continue to remain a popular way to connect.

In fact, technology makes organizing a memorable event easier, as family members near and far can collaborate on a date, time, and most importantly, location.

When organizing a family reunion, the first rule of thumb is to start scouting locations that are easy to reach from many locales. Travel hubs such as Dallas, Denver, and St. Louis are always popular. Smart families book spots a year in advance.

Another tip from experienced family reunion planners: find a hotel that specializes in group experiences.

The Magnolia Hotel Collection, for instance, has locations in a range of family-friendly cities, including Dallas, Denver, Houston, Omaha, and St. Louis. And a New Orleans property adjacent to the French Quarter is scheduled to open later in 2019.

The recently renovated Denver and Houston properties are especially convenient for guests who want easy and walkable access to downtown shopping, dining, and nightlife.

Standard features of all Magnolia hotels that make them well-suited to family reunions are:

- Comfort and care. Magnolia guests enjoy amenities, including complimentary internet access, fitness facilities, and transportation to local attractions.

- Professional planning. Magnolia staff are experts in event organizing; their customized services include creating menus for any meal and coordinating onsite or off-site activities and entertainment for a range of ages and interests.

- A place for everyone. In addition to luxurious rooms designed to accommodate guests of all ages, Magnolia hotels feature a variety of common spaces, including lounges and meeting rooms that can be used for larger group gatherings and smaller meet-and-greet events.

"With an inviting spirit and dedication to making guests feel instinctively cared for, you'll discover a genuinely attentive environment with a modern essence," according to the company.

Visit magnoliahotels.com for more information about how the Magnolia family of hotels can make your next family event memorable, and check out the hotels on social media by searching for Magnolia Hotels on Facebook, Instagram, and Twitter.

While the average person spends about $1,025 per year on medication, many people with diabetes who use insulin are often required by their health insurance plans to spend five times that amount on a treatment they must have.

Today, six million Americans who depend on insulin to manage their diabetes often need multiple insulin shots a day. Many are choosing to forego their insulin or to ration doses, risking greater health problems. The cause? Insufficient prescription drug coverage by insurance carriers.

Lost in this complex world of diabetes, amid the blame game and finger-pointing, are programs created by pharmaceutical manufacturers to help patients enrolled in private health insurance plans who cannot afford their prescriptions. Many insurers fail to tell people about these programs.

Copay assistance cards, also called copay coupons, can help take the financial sting out of the cost of medication. To obtain one, patients must go to the insulin manufacturer's website and search for financial or copay assistance programs, complete an application, and enroll.

All of this can be a bit complicated; many people get frustrated and give up. Don't!

The value of copay assistance is this: it lowers the cost you pay and may even cover all the cost. The pharmaceutical company covers the difference. Typically, you don't even have to prove that paying your regular copay would present a financial hardship. These programs are usually not available to Medicare recipients, however.

To help people in the California Central Valley afford their insulin, we looked up programs offered by pharmaceutical companies that manufacture insulin.

For more information on Insulin Support Programs, visit www.legacyhealthendowment.org.

For the uninsured, there are other programs that often cover close to 100 percent of the cost. The Mat.org website is a great website to help you.

Before filling your insulin prescription or any prescription medication, check to see if the pharmaceutical manufacturer offers a copay assistance program. If you need help, remember that your pharmacist is another excellent resource and may be able to answer your questions.

Jeffrey Lewis is president and CEO of Legacy Health Endowment in Turlock Ca.

Mr. Lewis' email address is [email protected]

This year, Cooper Tires is encouraging drivers to mark Labor Day weekend (and the first of every month) as a tire check safety moment, to make a habit of checking tires, especially as seasons change.

"Just as we regularly take a moment to check our smoke detector batteries when we change our clocks in the fall and spring, we need to designate a moment to check tire safety as well," says Jessica Egerton, Director of Brand Development at Cooper Tire & Rubber Company.

Checking the overall condition of your tires is easy and important for your safety on the road. Your tires are the only parts of your vehicle to come into contact with, and keep you connected to, the road.

The recommended tread depth is more than 2/32 of an inch deep. Do your tires meet this minimum, or are they too worn? Would you know if they are? An easy and quick way to tell is to stick a penny into the tread with Lincoln's head facing down. If the tread covers the top of his head, you're good to go. If not, time to replace the tire.

Ensuring your tires have the recommended tread depth can help in a variety of ways, including maintaining traction on the road, keeping control of the car, and preventing hydroplaning or sliding.

Don't be under-pressured, either.

Tires not inflated to the recommended level of pressure can lead to tire failure, uneven wear and cause your car to use more gas.

Try this 10-minute safety check from Cooper Tires:

* Check the tread. Use the U.S. penny/Lincoln's head method. Insert the penny into the tire tread, with Lincoln's head down and facing you. If the top of his head is visible at any point around the tire, there is too little tread, and it's time to replace the tire!

* Check the pressure. Look on the vehicle doorjamb, glove compartment, fuel door or owner's manual to find the recommended pressure for your tires. Press a tire gauge on the valve stem. Too low? Add air. Too high? Push down on the metal stem in the center of the valve to release some air. When you reach the recommended pressure, replace that valve cap. Also, don't check pressure right after driving. Wait at least three hours until the tires are cool.

* Check your look. Inspect your tires for cuts, bulges, cracks, splits or punctures. When in doubt, ask a tire professional for an inspection.

Visit coopertires.com for more information about tire safety and more details on how to take make your tire safety check moment a regular habit.

UP Faith and Family (UPFF), the streaming service developed by UPtv, offers commercial-free, family-friendly entertainment, including the popular series Heartland, which airs its 200th episode this season.

Heartland, a multi-generational family drama set on a horse ranch in the foothills of the Canadian Rockies, is in its 12th season, and remains popular with viewers who value the family bonding time as much as the program itself.

"From day one, I've felt such a strong connection with all of the actors," says actress Amber Marshall, who plays lead character Amy Fleming.

"I think that makes our show special, because when people watch Heartland, they can see that we genuinely love one another, and I think that's important."

Heartland is filmed and produced in Alberta, Canada, and the stunning scenery adds to the show's appeal.

Viewers of all ages and demographics can relate to the family drama, love, and fun, not to mention the beautiful horses. Longtime fans have followed the characters and their stories for years. Storylines include the relationships between husbands and wives, parents and children, and brothers and sisters, as well as interactions between humans and horses that create moving and powerful plot twists.

Even after 12 seasons, Heartland remains consistent in its goal of providing programming that parents need not fear will be inappropriate for children.

"We need shows that have good wholesome values, and a show [where] people can sit down with their families and feel good about it," Ms. Marshall adds.

In honor of the 200th episode, UPFF will present Heartland: Through the Years, a special program featuring behind-the-scenes footage and interviews with the principal actors, producers, horse trainers, and other members of the crew.

UPFF is available anytime for uplifting entertainment suitable for all ages, including kids' programs, documentaries, and reality series. Families can download the app or visit Upfaithandfamily.com for more information about subscriptions and a 14-day free trial.

The SVOD service is available on all major mobile and streaming platforms, including iOS/iPadOS, Apple TV, Android, Android TV, Roku, Fire TV and Xbox. It is also distributed by many partners, including Amazon Prime Channels, Xfinity, Dish, Sling, Cox and The Roku Channel.

Many misconceptions persist about sun protection and skin cancer, especially among people of color.

"The misperception that people of color don't need sunscreen is one we need to change because we do burn and we are susceptible to skin cancer just like everyone else," says Lavdena Orr, MD, a chief medical officer with AmeriHealth Caritas, a health care organization dedicated to the care of those most in need.

"Ultraviolet rays don't discriminate against skin type, so avoiding sunburn is the primary way to reduce one's risk of developing melanoma or any other type of skin cancer."

Although overall rates of melanoma may be higher among whites, African-Americans are more likely to be diagnosed at a later stage when the cancer is more severe and the prognosis is less favorable, according to a 2016 study in the Journal of the American Academy of Dermatology.

Ginette A. Okoye, MD, a board-certified dermatologist and chair of the department of dermatology at Howard University Hospital in Washington, D.C., adds that in people of color, skin cancer may be more likely to develop in less obvious areas, such as the feet or nails.

"In some cases, excessive sun exposure is not necessarily the trigger for this type of cancer in skin of color," according to Dr. Okoye. However, she notes that individuals with darker skin are at greater risk of vitamin D deficiency because "the pigment in our skin filters out sunlight which we need to produce vitamin D in the skin."

Therefore, she recommends vitamin D supplements if needed and a vitamin D-rich diet, including salmon, tuna, and mackerel.

In addition, Dr. Okoye reminds her patients of all ethnicities to pay attention to three areas:

- Face: Wear sunscreen daily, or use hats or visors to help protect facial skin from direct sun exposure.

- Left side: The left arm, as well as the left side of the face, get a lot of sun exposure while driving. Add some sunscreen or a light, long-sleeved shirt if you have a long summer drive ahead.

- Cuts and scrapes: Areas of any sort of skin trauma need extra protection to reduce the risk of postinflammatory hyperpigmentation.

For more information, visit amerihealthcaritas.com.

The Skin Cancer Foundation recommends these basic tips for sun protection:

- Clothing: Look to long sleeves, wraps, and sarongs to shield your skin.

- Accessories: Hats and sunglasses can keep your face, neck, and ears safe and comfortable in the sun. Umbrellas work, too.

- Timing: Try to avoid excessive sun exposure between 10 a.m. and 4 p.m., when ultraviolet rays are the strongest.

- Sunscreen: When you are outdoors, use sunscreen. And reapply every two hours if you are swimming or sweating heavily.

The project involves the creation of a wind power farm and the installation of up to 52 wind turbines to produce green energy.

During the 15-day, pre-sale period, 10 percent of the Renewable Energy Tokens (RETs) will be sold at a 50-percent discount via a cryptocurrency system. The discount will not be available after the pre-sale period. "Ownership of one RET is equivalent to owning one asset in Eco Smart Energies," according to a company press release.

"These turbines are capable of producing mechanical energy that can be transformed into electrical energy, using wind energy converters linked to power distributors," according to a company white paper.

Cryptocurrency, an internet-based system for financial transactions, has the advantages of minimal processing fees, decentralization, and blockchain to confirm and provide security. The exchanges are quick and can be conducted on a global scale, which makes life easier for investors. According to a recent opinion piece on the Bloomberg website by former risk manager Aaron Brown, cryptocurrency is not without risk, but neither is investing, and "there are plausible scenarios in which crypto grows to become a significant part of the economy."

Investors are seeing the potential of green energy companies and the convenience of cryptocurrency. Wind energy is one of the most strongly recommended alternatives to the use of fossil fuels, and Eco Smart gets investors involved in the environmental angle with an application that will allow the token owners not only to send or receive tokens, but also to view how much wind power is being produced from the turbines. "The token holders can also actively participate in issues that are related to the future of the wind farm," according to the company.

Visit renbdo.io for more information about how cryptocurrency will shape the future and for investment opportunities.

She and her husband tried different types of stimulation, but nothing got her in the mood. "My lack of interest in sex was hard on my marriage. My husband wanted to be intimate, but I didn't. I missed that connection with him."

Amy is not alone in her experience. HSDD is a diagnosable medical condition that affects approximately 1 in 10 women in the U.S., with a profound impact on a woman's emotional state, her sense of self and her relationships.

"Trying to deal with the strain of low sexual desire was difficult. I talked to my husband about it and we looked for solutions together. Eventually, my doctor helped me enroll in a clinical trial for an HSDD investigational treatment."

"In the clinical trial, I received training on how to use an autoinjector to take the medicine at least 45 minutes before I anticipated sexual activity. I found the injection easy to use, it fit conveniently into my schedule and it put me in the driver's seat for when I wanted to take the medication. I felt empowered when my desire returned and started to look forward to being intimate with my husband again."

Following the clinical trial, Amy hoped she would one day have the choice of taking the medication again. In June 2019, the U.S. Food and Drug Administration (FDA) approved Vyleesi™ (bremelanotide injection) to treat hypoactive (low) sexual desire disorder (HSDD) in certain premenopausal women. Vyleesi is not indicated for the enhancement of sexual performance, but women will have another treatment option for HSDD when Vyleesi is available later this month.

In the clinical trials, the most common side effects were nausea, flushing, injection site reactions, headache and vomiting. Vyleesi should not be used by women with uncontrolled high blood pressure or heart disease.

AMAG Pharmaceuticals, the company launching Vyleesi, will offer co-pay assistance to help women access Vyleesi. Patients will be able to obtain their first four-pack of Vyleesi autoinjectors with a $0 co-pay, and refills for no more than $99. Under current government regulations, pharmaceutical companies cannot offer this type of program to patients insured by federal health care programs, including Medicare and Medicaid.

Amy says, "I am motivated to share my story because I want to encourage other women to talk to their healthcare providers about distressing low sexual desire and find out what treatment options are available. They should know they do not have to suffer in silence."

Women who may be experiencing symptoms are encouraged to visit Vyleesi.com and utilize a tool called the HSDD Symptom Checker. To verify diagnosis and to see if Vyleesi might be an appropriate treatment option for them, women are encouraged to speak with their healthcare provider (HCP). An open and honest conversation between a woman and her HCP is the first step to improving desire, reducing distress and getting back to a fulfilling sex life - something all women deserve.

IMPORTANT SAFETY INFORMATION

Do not use VYLEESI if you have uncontrolled hypertension, known heart disease or are taking oral naltrexone-containing products intended to treat opioid or alcohol addiction. Women who can become pregnant should use effective birth control during treatment with VYLEESI.

VYLEESI can cause serious side effects, including temporary increase in blood pressure and decrease in heart rate, severe nausea, and skin darkening that might be permanent.

The most common side effects of VYLEESI include nausea, flushing, injection site reactions, headache, and vomiting. But these are not all the possible side effects of VYLEESI; consult your healthcare professional for more information or visit Vyleesi.com for additional Important Safety Information.

You are encouraged to report negative side effects of prescription drugs to the FDA. Visit www.fda.gov/medwatch or call 1-800-FDA-1088.

Case in point: the flu pandemic of 1918, colloquially known as the Spanish flu, occurred during World War I and spread worldwide during 1918-1919. Published research suggests the final death toll may have been as high as 100 million.

Despite decades of developments in biology and virology at the cost of more than $80 billion, the U.S. is unprepared to handle a flu pandemic of a similar scale if one should occur, contends Dr. Steven Hatfill, a specialist physician and virologist with additional training in medical biochemistry, and experimental pathology.

After more than a decade of study, Dr. Hatfill and his team have published a book, Three Seconds Until Midnight, in which he revisits the challenges of the 1918 pandemic and highlights the limitations of the current public health system in the U.S. in the event of a serious pandemic on the scale of the 1918 event.

"There are worse viruses out there in nature than another 1918-type pandemic. They are simply waiting for the right conditions to jump into man," says Dr. Hatfill.

In addition, "the overwhelming majority of Americans assume that the CDC and public health authorities are capable of rapidly detecting when a new outbreak of infectious disease is occurring and that they will quickly respond with a vaccine, drugs, and other measures to contain the event. In reality, none of this is true with respect to a serious pandemic," he emphasizes.

In the book, Dr. Hatfill and his team point out how the U.S. has an insufficient public health workforce and lacks the "surge" medical capacity needed for a pandemic situation with mass casualties, and that no programs are currently in place to train personnel how to handle a pandemic.

Vaccine distribution is another problem, says Dr. Hatfill. Department of Health and Human Services (DHHS) documents show that in a pandemic on the scale of the 1918 event, a minimum of 123 to 125 million Americans will not receive any anti-viral drugs or vaccine until at or near the peak period of infection and death. Historically, the poor, socially disadvantaged urban communities will be hit the hardest.

Citizens are uninformed on how to care for family members at home if they contract a contagious and possibly lethal infection, and entire households can become ill, Dr. Hatfill says.

Dr. Hatfill's book outlines how the government can salvage its preparedness plan by considering more involvement by the military in a disaster response mode, similar to the role played by the Armed Forces after Hurricane Katrina in 2005.

The major problems in pandemic preparedness occur not with the federal government but with the local city authorities who continue to be unprepared to manage an outbreak of a serious lethal infectious disease on a 1918-type scale. This includes having rational methods to manage worker absenteeism, organizing alternate care sites, expanding mortuary capabilities and teaching non-pharmaceutical interventions to the public.

"We now live under population densities that are a new phenomenon in human civilization and we have no precedent to indicate if we are nearing a threshold or not". As a consequence, every individual alive today is participating in a great on-going global biological experiment," says Dr. Hatfill.

Three Seconds Until Midnight will be available for purchase online via Amazon or Kindle in approximately mid-October. For more information, visit www.ThreeSecondsUntilMidnight.com.