(NewsUSA) - Experts agree that financial planning has many benefits. It can help you protect your family, worry less about finances and reach your goals at any stage of life. These benefits can be even greater if you work with a professional financial planner who is trained to show you how to make sound investment choices, save money on taxes and rein in high-interest debt, among other things.     

If you’ve decided that you need a financial plan and would like to work with a financial advisor to create it, you might be wondering where to find an advisor. Asking friends, family or colleagues to recommend an advisor can be a good place to start, especially if they earn a similar income as you and seem to be successfully managing their money. There are also numerous resources available online to help you find a financial advisor.     

One of those tools is LetsMakeaPlan.org, a website maintained by Certified Financial Planner Board of Standards Inc. (CFP Board). The site features a search tool that helps you find a CERTIFIED FINANCIAL PLANNER^TM  professional by location and planning services offered. CFP® professionals must complete an extensive, multiyear certification process that ensures they obtain the skills and real-life experience needed to provide comprehensive financial planning. They also make a commitment to putting your interests first.     

When you are hiring a CFP® professional, how you will pay for their services is a key question to ask. Different financial advisors may charge differently, or one financial advisor may offer several different ways that clients can choose to pay. Many financial planners use the assets under management (AUM) model, in which the financial planner gets paid a percentage of the assets they manage for you. Some CFP® professionals may earn a commission on a transaction. Others charge hourly fees, subscription fees or fixed fees for specific services. You should ask a CFP® professional to lay out the details for how they charge at the beginning of your engagement.    

Lower-income families or those facing a financial crisis may find help through the Foundation for Financial Planning. The foundation can help connect you with a CFP® professional who provides financial planning services free of charge. These connections are made through financial capability workshops and webinars offered by nonprofit groups and other foundation grantees, as well as through one-on-one financial planning sessions.     

Once you’ve found a competent, ethical financial planner, you can start the planning process together and begin working toward a more secure tomorrow.

(NewsUSA) - As the weather outside cools down, our excitement builds for classic fall activities like apple picking, getting lost in a corn maze and nature hikes surrounded by colorful foliage. This year, GOLO, the wellness solutions company, wants you to add another fun activity to the fall schedule by entering the GOLO Fall Inspirations Giveaway.     

It’s easy, and entrants could win a special gift package, including the GOLO for Life® Plan with one bottle of Release® dietary supplement, an AeroTrainer® exercise platform, a COSORI Air Fryer and an Etekcity Fitness Tracker.     

Here’s how to enter the Giveaway:     

• Between October 25, 2022, at 8:00 AM EST and November 29, 2022, at 11:59 PM EST, you can enter by submitting your name, email and mailing address online here.     
• Include your favorite fall activity (for example, visiting a pumpkin patch).     
• Three winners will be selected at random from all eligible entries.     
• Click here for full details.     

Wherever you are on your health and wellness journey, GOLO offers a range of innovative products designed to help, including the GOLO for Life Plan®, a game-changing nutritional approach to losing weight, and a healthy alternative to conventional dieting. The program includes GOLO Release® (an all-natural dietary supplement), access to personal coaches and online tools.     

For more information on GOLO, please visit golo.com.  

(NewsUSA) - The NBA season tipped off  Tuesday, October 18th with no true consensus favorite to take this year’s Championship title. The NBA Championship futures market at BetUS.com shows the Boston Celtics and the Golden State Warriors tied at +600 (6-to-1) odds to win the 2023 Championship, followed closely by the Brooklyn Nets and Los Angeles Clippers, both of which are paying +700 (7-to-1). The Milwaukee Bucks round out the top five, paying +800, or 8-to-1. These odds will change as the season progresses, however.     

An offseason full of big trades has resulted in what ESPN’s well-known sports betting analyst, David Purdum, is predicting to be “one of the most competitive NBA seasons in decades.”     

This means that both bookmakers and bettors are hard at work gauging this season’s teams.  And for those bettors willing to put some money down on their team early in the season, it means higher returns than would be available as the season progresses, according to Barry Barger, senior betting analyst at BetUS.     

“Futures markets in sports betting are betting lines that are offered on events that are set to occur sometime away, as opposed to the next game on a team’s schedule. Once the bettor has placed a bet on his/her odds of choice, they have locked in their bet at the odds provided at that time and will be paid out at that rate should their wager be a winner when the event occurs,” Barger says.     

“The big advantage to betting your team to win the Championship now, versus ‘waiting to see how things go’ during the season is that right now, you can bet any of the 30 teams in the NBA to win the Championship at what we call ‘plus money,’ or positive odds.  

For example, even this season’s favorites like the Boston Celtics and the Golden State Warriors will pay +600, or 6-to-1, if you bet them now to win the Championship.  No matter what team you bet, you’re going to win multiples of your original stake if your team wins it all this year,” Barger says. “That won’t be the case as the season progresses.”     

But betting the future 2023 Champion isn’t the only future or ‘prop’ that is popular with NBA bettors these days.       

NBA futures allow you to bet not only on the NBA Championship, but also on who will win the Eastern or Western Conferences and even the division champions. Betting on the number of regular season wins a particular team will have is also a popular wager.     

“And unique to this year, the prop that has fans really excited is when -- and where -- Lebron James will break Karim Abdul-Jabbar’s all-time scoring record,” Barger adds.     

Other popular NBA futures and props include betting odds on NBA Rookie of the Year, NBA Coach of the Year, NBA Defensive Player of the Year and NBA Regular Season MVP to name a few.     

In short, the appeal of future bets is that they offer potentially larger returns and provide a longer time horizon over which your bet will win or lose, providing more entertainment value while you cheer on your pick or picks over the course of the season, Barger concludes.

(NewsUSA) - New research in the treatment of small cell lung cancer offers hope to patients.     

Until recently, small cell lung cancer (SCLC) was considered a forgotten cancer, but now there is a new type of chemotherapy treatment and promising research into targeted therapies that may shrink the tumors of a subset of small cell lung cancer patients.     

Small cell lung cancer (SCLC) is currently only treatable by chemotherapy and immunotherapy, and it is difficult to identify, so most patients are already an in advanced stage of cancer when they are diagnosed. SCLC spreads quickly and is resistant to many treatments; it also comes back more aggressively after treatment. However, researchers have identified a subset of SCLC patients who appear to respond to drugs that are already proven cancer fighters; the proteins in the tumors of these patients make them more receptive to targeted therapies, according to the researchers.   

“The next step in the research is enrolling patients in clinical trials, which are safe and the gold standard of care for SCLC patients,” says Dr. Dwight Owen, a medical oncologist at The Ohio State University.     

Dr. Owen recommends that all adults aged 50 years and older with a history of smoking, or who are current smokers, should be screened for lung cancer. However, “anyone with lungs can have lung cancer,” he emphasized.     

Meanwhile, Dr. Owen encourages anyone with a lung cancer diagnosis to ask their doctor about clinical trials, which are often the best resource for the most advanced treatment.     

“Clinical trial research determines if a promising new treatment, drug or device is safe and effective. For many patients, these trials are the best treatment option and provide new treatments that help them live,” he says.     

Many clinical trials are using telemedicine to “take the trial to the patient” to make clinical trials more accessible to more patients.     

“You should always ask questions to make sure you understand what you will need to do to be part of a clinical trial and make sure you are comfortable,” Dr. Owen explains.     

Be sure to ask your medical team about whether clinical trials could be part of your treatment.     

For more information, visit LCFAmerica.org or text L-C-F-A to 41444.

(NewsUSA) - Many adults today are juggling the demands of work, household upkeep, finances and school-aged children, while also caring for an aging parent. This group, known as the sandwich generation, may feel more like a panini -- pressed and grilled between the weight of their caregiving duties. According to a recent survey by Home Instead, Inc., 62% of those in the sandwich generation feel they must choose between being a good parent or being a good daughter or son. These pressures are intensified by economic uncertainty and the impact of the pandemic.     

“Caregiving can take an emotional, mental and even physical toll on someone, and it can be hard to divide attention and resources to provide the best care to loved ones of different ages,” says Lakelyn Hogan Eichenberger, Ph.D., gerontologist and caregiving advocate at Home Instead. “While caregivers may feel they have to do it by themselves, it's best to avoid the superhero mentality and recognize where support is needed.”     

Hogan Eichenberger offers five ways to help manage stress and survive the sandwich generation press:     

1. Seek support. To help manage the pressure, seek out a group where you can share your experience with others who are in a similar situation and talk through ideas for respite and support. Consider virtual and in-person support groups for caregivers in the sandwich generation or groups geared toward specific conditions such as Alzheimer’s.     

2. Prioritize yourself. It’s easy to view your role as a caregiver as your entire identity. In fact, 63% say that caregiving makes it harder to care for themselves. Set aside time to address your mental and physical health. Aim to eat healthy, exercise regularly and get seven to eight hours of sleep.     

3. Line up supportive care. Professional care services can offer much-needed respite and ensure your parent or aging loved one is safe while you’re not there. Many professional caregivers trained specifically for elder care can assist with tasks such as bathing and housework. Family members or friends can also provide relief. For example, you might team up with other parents to carpool or line up play dates.     

4. Consider delivery services. As a caregiver, it can be challenging to find time for typical errands. Save valuable time by subscribing to delivery services like Instacart for groceries or your local pharmacy for medications.     

5. Communicate with your employer. Seventy-seven percent of caregivers say they have had to make major or minor changes to their work to meet commitments. Help your manager and co-workers understand the responsibilities in your personal life, and discuss a plan that works for you and the team. Ask about benefits or services your employer offers, such as an Employee Assistance Program.     

For more information and practical resources to help, visit: https://www.homeinstead.com/sandwichgen. 

(NewsUSA) - The Medicare Advantage and Prescription Drug Plan Annual Election Period is underway, running from Oct. 15 through Dec. 7. Whether you are new to Medicare or are re-evaluating your options for a health care plan, navigating the abundance of choices can feel overwhelming. This is especially true for Veterans who also may be covered by other government-sponsored benefits, like those offered by Department of Veterans Affairs (VA), depending on their time in service and disability rating. With there being so many options to choose from, the biggest challenge is often knowing where to begin.     

To select the best plan for your health needs, it’s important that all Medicare eligible individuals, including Veterans, conduct a personal needs assessment. To start, consider your unique needs, such as:     

• What health coverage will I need in 2023? Medicare Advantage plans often offer all-in-one features for beneficiaries to receive dental, vision and hearing all in one plan, in addition to other benefits such as access to urgent care and prescription drugs. Also consider if you may need to see a specialist or have a surgery planned so you can ensure your preferred doctor is in network.     

• What additional benefits would I use? Plans with additional benefits that support mental health services, increase access to fitness programs, or even transportation services to doctor appointments can help Veterans maintain their health. There are also plans that can provide allowances for eligible members to help pay for healthy foods, rent and utilities, pet supplies and more.     

• How can my VA benefits work with a Medicare Advantage plan? Although VA and Medicare Advantage benefits do not coordinate coverage, they work alongside one another. Veterans can enroll into any MA plan, but Humana has designed some plans with Veterans in mind, like the Humana Honor plan.  Humana Honor Plans are available to anyone eligible for Medicare and they provide coverage that can complement healthcare benefits from the VA. All Humana Medicare Advantage plans are recommended by USAA     

If you are eligible for Medicare, take the time to evaluate your options to find the one that best fits your health needs. While these questions can serve as a starting point for Veterans to identify plans that will best suit their needs, there are additional resources available. Medicare.gov allows you to compare plans and estimate costs based on what a typical enrollee experiences.     

Additionally, you can visit www.Humana.com/Medicare/Veterans or call toll-free 1-888-372-2614, 8 a.m. - 8 p.m. local time, seven days a week, to speak to Humana licensed sales agents. In addition, current Humana members can call toll-free 1-888-372-2614, 8 a.m. - 8 p.m. local time, seven days a week to speak with Customer Care specialists that are Veterans themselves and have collaborated with USAA to receive special training to serve the unique healthcare needs of Veterans. H

umana is a Medicare Advantage HMO, HMO SNP, PPO, PPO SNP, and PFFS organization with a Medicare contract. Enrollment in any Humana plan depends on plan renewal. The Humana Honor plans are available to anyone eligible for Medicare and veterans should consider all their health plan options. USAA and the USAA logo are registered trademarks of the United Services Automobile Association. All rights reserved. USAA means United Services Automobile Association and its affiliates. Use of the term “member” or “membership” refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. 

(NewsUSA) -  

“A Spying Eye”
by Michelle Cox       

In this sixth book of the series, while in London, Inspector Clive Howard and Henrietta Von Harmon search for the missing panel of a famous Renaissance painting, of which Hitler’s top men are also in pursuit. Meanwhile, in Chicago, Oldrich Exley threatens to cut off financial support for the Von Harmon brood if Elsie continues with her plan to marry Gunther -- a situation full of complications.

Clive and Henrietta’s search takes them to Chateau du Freudeneck in Strasbourg, France -- the ancient seat of the Von Harmons and home to three eccentric distant relatives. Things take a deadly turn when several Nazi officers also arrive at the chateau in search of a “valuable item.” Henrietta uncovers a shocking truth, and the pair are forced to trust themselves to a suspicious French servant.

Purchase at https://amzn.to/39EtqS1.

“Dear Franklin”
by Jake Ryan  

When her dad undergoes emergency open-heart surgery after collapsing at his gym, it’s pretty much the worst thing that’s ever happened to 11-year-old only child Hannah Brody. In response, she turns to a long-unopened diary that becomes the outlet for her deepest fears and darkest secrets.  

To her surprise, she finds that not only is she not alone, but that support can come from the most unexpected places. Funny, richly textured and moving, “Dear Franklin” is a story of resilience in the face of near tragedy, an inspiring tale for middle-graders and others on how to cope when confronted with life’s unexpected twists and turns. Written and based on his real-life experience by life coach Jake Ryan, a TikTok sensation at @freejakeryan.

Purchase at https://bit.ly/3wR1rHp.

“A Very Long Way”
by Naomi Fryers  

Naomi was born a free spirit who loved to entertain people with stories. From knocking about the outskirts of Melbourne’s northern suburbs until the late 1990s to finding herself enrolled at a socially uncomfortable elite private girls’ college, she developed some increasingly problematic coping strategies for life’s challenges. While living it up on Melbourne’s iconic Chapel, her university degree concluded, but her buried accumulative volatility did not.  

Her challenges eventually culminated in Naomi’s dramatic nervous breakdown. Her rock bottom climaxed with her riding in the back of a divisional van and being locked up in a psychiatric ward. The decade subsequent, however, she learned to embrace a comeback journey that involved personal development, advocacy and ultimately rediscovering her bold and free-spirited inner self.

Purchase at https://amzn.to/3F9x2qF

“Can You Spot the Leopard: An African Safari”
by Karen B. Winnick  

“Can You Spot the Leopard?” is author/artist Karen B. Winnick’s newest picture book, an adventuresome African safari presented through poems and full-color paintings. Readers begin at sunrise, climbing into a jeep for a bumpy ride to view the wondrous animals as they would on a real safari.  

All the poems are based on real observations of what animals do in the wild, related in an accessible way. There’s even a sighting, finally, of the elusive leopard, before returning to safari camp under a starry night. At the back of the book, further information is related about each animal. A fun, informational, educational adventure to read and reread. The author is an animal enthusiast and president of the Los Angeles Zoo Commission.

Purchase at https://amzn.to/3RpygU0.

NOTE: BookTrib’s Bites is presented by Booktrib.com.

(NewsUSA) - There’s a new generation running the show in the Kidverse: Generation Alpha. Defined as those born between 2010 and 2024, this new group of kiddos succeeding Generation Z is more diverse than any other generation, far more technologically savvy at a younger age and only know a world where social media is at the center of everything -- thus making social media stars THE celebrities they care about.     

Enter Alaya High, the hip-hop prodigy professionally known as That Girl Lay Lay. At age 15, she’s gone from being a social media sensation with 1.3 million Instagram followers to currently starring in her own namesake TV show on Nickelodeon and boasting her own line of consumer products sold at big box retailers across the country.       

In fact, you could say Lay Lay’s rise is a content creator’s dream come true. When she was 11, the Houston, Texas, native convinced her father, Acie High of the rap duo Aqualeo, to record her freestyling while they were driving -- she’d been rapping since age 5 -- and upload the clips to social media. Two weeks later, her performances had gone so viral on Instagram that even 50 Cent was reposting them, and she was on her way to becoming the youngest female rap artist to sign with Empire Records.       

“I was at my friend’s house,” she’s recalled of that time. “We went outside to go play. I came back, and I looked at my phone, and I was like, ‘Why does my phone say 3,000 notifications?’ I was like, Girl, I’m famous!’”     

Soon after, Lay Lay was rapping in music videos with the hugely popular likes of Young Dolph, Tr33zy and Lil Duval. And when Nickelodeon came calling last year to greenlight a show around her … well, let’s just say she was more than game, given that she considers herself a Nick Kid and counts “SpongeBob SquarePants” and “The Loud House” as her all-time favorite shows.       

“That Girl Lay Lay,” which recently kicked off its second season after having shattered records last fall and ranking as one of the top two series across all TV among Black kids age six to 11, continues to be a buddy comedy that speaks to a new generation of kids.       

The show follows a personal affirmation app (named Lay Lay, naturally) who is magically wished to life by a smart, real-life girl named Sadie (Gabrielle Nevaeh Green) who has trouble speaking up for herself. Together they learn they can accomplish pretty much anything -- including getting Sadie to successfully run for her high school’s freshman class presidency -- so long as they work as a team.         

And with even more music and magic this year from everyone’s favorite personal affirmation app sprung to life, the premise really seems to have struck a chord: Last month “That Girl Lay Lay” ranked as the top live-action show with kids on cable TV.       

Better yet, executive producer Will Packer is excited by the real world impact the series can have on kids. “At any point in life, kids all around the world are faced with natural insecurity,” he said. “This is a series that can help them be confident in themselves and encourage them to be their own individuals.”     

And Lay Lay’s own effect?  She’s been called “the embodiment of fierceness, bringing optimism, magnetism and style to everything she does.” Meaning, young girls, especially Black girls, have a positive new role model they can look up to.

(NewsUSA) - For Julie Lycksell, a wife, a mother and retired operating room nurse from Long Island, NY, Feb. 6, 1998, is a date she will never forget. On that day, only two days after her actual birthday, Julie celebrates her “re-birthday” -- marking the day she nearly died from sudden cardiac arrest (SCA).     

Luckily, when Julie experienced SCA and lost consciousness at a local restaurant, she benefited from having the right people with the right equipment help her at just the right time. From the doctor and nurse dining near Julie who performed CPR, to the police officer who used an automated external defibrillator (AED) to shock her heart back into rhythm, Julie is here today because of their quick action. At the hospital, doctors inserted an implantable cardioverter defibrillator (ICD) in her chest to prevent future life-threatening heart events. ICDs have given Julie the gift of more than 20 extra years of life following that fateful episode.     

Julie’s story sounds remarkable because it is. If not treated immediately, SCA can be fatal. Approximately 95% of people who experience an out-of-hospital cardiac arrest event and are not treated by defibrillation within 10 minutes will die.

What Is Sudden Cardiac Arrest?     

SCA is a condition in which the heart suddenly and unexpectedly stops beating. Unlike other heart conditions, SCA can impact people off all ages, races and ethnicities, and often with no warning -- in fact, 1,000 people each day experience SCA. Different from a heart attack, SCA is an electrical issue that stops the heart, leading to lack of blood flow to the body. Cardiac arrest remains a public health crisis, claiming more lives than breast cancer, AIDS and lung cancer combined.

Who is at Risk?     

People who have had a heart attack, heart failure or a low ejection fraction, or people who previously experienced SCA or come from a family with a history of heart disease are at higher risk. If a family member experiences any of these events, it’s important to talk to a doctor about potential risk. In Julie’s case, several family members received an ICD to ensure their hearts beat properly and protect them should an abnormal heart rhythm strike.     

Julie’s career as an OR nurse gave her a forum to offer firsthand advice about the lifesaving benefits of ICDs and the reassurance they can bring: “This is your insurance policy for your heart -- it offers added protection … you are safer with this.”

How Does an ICD Work?     

An ICD is a small device, the size of a pocket watch, placed under the skin below the collarbone, requiring a two-to-four-inch incision, with leads (thin wires) to monitor your heart rhythm 24 hours a day and deliver therapy if needed. Its battery lasts nearly a decade, as seen in Julie’s case. If the heart beats irregularly, the device sends low-energy electrical pulses to correct it. If the fast rate continues, the defibrillator will deliver a shock to restore the heart to a normal rate.     

If you have experienced or are at risk for abnormal heart rhythms (arrhythmias) called ventricular tachycardia/ventricular fibrillation, you may be eligible for an ICD.     

If you or a loved one have questions regarding ICDs or other implanted heart devices, visit Medtronic.com/SuddenCardiacArrest. 

(NewsUSA) - ­­­­

“Rich Widows of Savannah Valley”
by Mitzi Perdue       

A whimsical, moving tale about Savannah Valley, the country’s most exclusive retirement community for the uber-rich. Set outside Savannah, Georgia, this fictional community is filled with mansions, Rolls Royce Phantoms and ladies who lunch. Four rich widows -- Glenda, Edith, Darcy and Sharon -- are looking forward to their golden years with everything taken care of. Then the amenities they have paid for begin disappearing.  

The activities become tiresome, the tee times are always taken, and the late dinners are no longer allowed. All of a sudden, it feels as if their wonderful retirement is little more than a cheap motel.   These women knew when they were being handed a load of bull. Laugh-out-loud hilarious, these women are not ready to give up anything they worked so hard for.

Purchase at https://amzn.to/3De2iWL.

“I’ll Remember You”
by Deborah Packer  

“I’ll Remember You,” based on a true family tale and originally written as a screenplay, is set on the turbulent home-front America of 1943 amidst the anti-Semitism and racism of the time. It’s a love story about a young Jewish couple’s conflicted, hasty war-time courtship and marriage, a relationship plagued with doubt, misunderstanding and childhood trauma, that threaten any hope of a future together.  

An idealistic, fiercely proud small-town girl falls for a complex, enigmatic soldier from Brooklyn with horrific memories as a child in WWI Poland. Their romance, told from both perspectives, struggles through the turmoil of their hurried vows up to the moment the soldier leaves on a troop ship for England, convinced he will not survive the war. An epilogue is set in 1994.

Purchase at https://amzn.to/3PtAPmj.

“Jasper the Wonder Dog”
by Richard Halliday  

This poignant tale packs twelve years of love and adventure into 52 pages, giving us a glimpse into the deep connection between Jasper and his family. While the story is bittersweet, it reassures fellow dog owners that we’re not alone when it comes to feelings of loss and remembrance.  

Ultimately, “Jasper the Wonder Dog” is far more than a children’s book about loss. It encompasses not just Jasper’s passing, but also the happiness and love that he received, thanks to his family. As much as the Hallidays brought love into Jasper’s life, Jasper gave it back to them tenfold. This book serves as a memorial to this incredible soul that touched their lives -- a true wonder dog. Beautifully written in first person with Jasper as our narrator.

Purchase at https://amzn.to/3vYeHta.

“Aha! So That’s What Bitcoin Is!”
by Uncle Crypto  

This book is a step-by-step guide to cryptocurrency in pictures and plain language, helping readers understand the basic concepts before even beginning to tackle what it means to invest.  

The author believes that Bitcoin has the potential to change our lives as much as or more than the invention of the automobile, computers or the Internet. Once readers understand what Bitcoin is and what it can do, they will have a clearer picture of the future we are heading toward.   Education should be easy and fun. Forty-seven illustrations make the journey enjoyable, and readers will find that going from one simple idea to the next will get them to their “AHA!” destination.

Purchase at https://amzn.to/3T8Oja4.

NOTE: BookTrib’s Bites is presented by Booktrib.com.