At some point during your daily commute, you have likely experienced all five stages of grief. And while traffic is inevitable, it’s important to remember that you’re not in this alone. Your morning commute doesn’t have to be a never-ending sequence of white-knuckling your steering wheel or squeezing yourself onto a subway car full of human cattle. Here are a few ways to make your commute not only more bearable, but even enjoyable, whether you’re driving, biking, carpooling, or taking the train.
Drive Your Way to a Better You
Want to catch up on your reading while driving to work without causing a 20-car pileup? Podcasts and audiobooks make the morning and evening commute worth living. Audible has over 425,000 books for you to choose from—you could be driving in your car every second for the rest of your life, and you would never run out of books to listen to.
Your vessel isn’t just a 4-wheel chariot, it’s also a virtual classroom. Always wanted to learn another language, but never had the time? There are thousands of books that will help you get a leg up on all kinds of languages, whether you’re just starting out, or you want a refresher course for the French you took in high school.
Practice Self-Care on the Subway
One of the best things about taking the train to work is that you can let yourself go—just promise that you won’t take your shoes off.
Sure, if you have the elbow room, you could open your laptop and get some work done by catching up on email, but it’s also an excellent time to de-clutter your mind. Step up your self-care regimen by unplugging your brain and starting a meditation practice.
Geared for your mind and body, there are audio-guided fitness programs for meditation and working out. And while it might seem contradictory, there’s no better place for a guided meditation than a crowded commuter train—it’s the perfect head trip for winding down after a long day.
Carpool and Meet New People
What if there was a way to meet new people while driving to work AND accessing the glory that is the carpool lane? Sure, Waze can make your commute a little smoother by crowdsourcing your traffic trouble spots in real time, but you can also use their carpool app to find coworkers or other passengers to share a ride with.
Not only are you eliminating congestion from the highway, but you’re also likely getting to work faster while connecting with your fellow travelers. Plus, by taking other cars off the road, you’re producing less carbon and pollution, all while saving money on gas and tolls.
With your new rideshare pals in tow, you could create your own version of Cash Cab where the winner doesn’t have to contribute to gas for the week. Carpool Karaoke is also a great option, but you might want to make sure everyone can carry a tune first.
Use Those Feet
If you’re fortunate enough to live close to your office, ditch your wheels or the train for some running shoes or a road bike, even if it’s just a few times a week. Physical activity is proven to be beneficial for your mental health, and starting your day with a little fresh air is a great way to rid yourself of work-related stress.
Continue on to The Muse to read the complete article.
The 2007 movie “The Bucket List” told the story of two terminally ill men seeking to finish out all the things they’ve always wanted to do but never completed. The duo set out on their adventure with the intention to fulfill all their dreams before they “kicked the bucket.”
While most people associate bucket lists with experiences, you can apply the same concept to personal finance matters, as well. Essentially, you list all the things you need to accomplish in your financial life and then start making moves to get them done. According to financial experts, people should start to tick off money-matter items on their lists while they are still in their 20s and 30s. With this strategy, they’ll achieve financial freedom sooner than later because they’ve set themselves up for a less stressful future as they reach retirement age.
At this point, retirement probably seems a million years away, but now is the time to start thinking wisely when it comes to money. Check out our financial bucket list for millennials.
1. Live with roommates
Most millennials want to move out of their parents’ home but can’t always afford to do it. Why forego and miss out on the pleasures of autonomy you can enjoy living on your own? Get some roommates instead to help share housing costs.
When seeking roommates, always be smart and keep safety in mind during the selection process. Everyone, especially women, should stay away from listings on Craigslist and other platforms that don’t fully vet the people out who post these listings.
Once you’ve got your roommates in the house, aside from the financial savings you’ll enjoy by splitting the rent, you can make some great memories — or at least accumulate a few great stories to someday tell your family and friends.
2. Move to an affordable city
Sure, New York is the city that never sleeps, and Los Angeles sees a lot of action, too —but these cities are incredibly expensive to live in. Instead of struggling (even with the help of roommates) in an expensive city, consider relocating to a more affordable city with a lower cost of living. Kansas City, for example, is not only affordable, but it also offers plenty of great job opportunities and even boasts some of the shortest commuting times in the country.
3. Downsize and sell some stuff
We live at a time minimizing is en vogue, especially for millennials. Aside from being a trendy thing to do, selling off possessions you no longer need or want can net you some serious cash. Try selling clothes, unused gift cards, old electronics and gadgets, pretty much anything.
If you have old toys, video games, or other nostalgic items you don’t necessarily want to hang onto anymore, try selling these too. You’d be surprised at how well nostalgia sells! Set up an account on eBay (or another preferred platform) and get selling. Then take that money and save it or invest it so it grows.
4. Learn thrifty shopping habits
Even if you’re aiming to downsize, there will still be stuff you need. Instead of paying full price for new items, learn the art of thrifting by shopping at places like Goodwill, Salvation Army, and Habitat for Humanity resale stores. You can find great deals on everything for the home from kitchen necessities to furniture, along with personal items, too, such as clothing and accessories.
Other ways to save on shopping are to watch for sales, try extreme couponing, and follow discount sites such as Groupon for deals on things you want to buy. Also check out Craigslist and Freecycle to find freebies in your neighborhood.
5. Make a few investments
While making habitual changes can go a long way toward achieving financial freedom, you’ll want to find other ways to increase your bank account. Why not try purchasing some stocks and seeing what happens? Some online brokerage sites let users start buying with as little as $100 and make trades for $5. You can buy small amounts and see if you can aggressively make them grow. “Playing the market” is a unique experience that not everybody gets in their lifetime — and watching your stock’s values go up is a thrill.
6. Launch a business
Even if you’re holding down a full-time job, you can launch a business on the side to generate some extra cash and help build your financial future. It could be something as straightforward as buying a property to use as a vacation rental. Or you can build a brand in your spare time, you can market your business by creating a presence on social media and cultivating helpful business relationships. Sign yourself up to attend some trade shows to help establish a name for yourself.
Depending on your line of work, you may need to obtain a license, insurance, or meet other local legal requirements. Be sure to have your ducks in a row and do everything legally. Also, remember that you’ll need to file taxes as a business. An online calculator can help you make the necessary tax calculations.
Achieving financial freedom is a wonderful feeling! The sooner you get started, the sooner you’ll be that much closer to your ultimate money goals … and then you’ll be able to afford the things on your “other” bucket list.
Tessa Thompson considers herself Afro-Latina, a black woman, a person of color, and Latinx. But when fans go to see the sci-fi action blockbuster “Men in Black: International” this weekend, she hopes that they will only see her character, Agent M, on the silver screen.
“I hope we can get to the space in Hollywood where it’s not noteworthy for a woman, and particularly a woman of color, to top line a franchise film,” Thompson, who has Afro-Panamanian and Mexican roots, told NBC News. “I hope we can get to a place where we don’t have to congratulate it, or comment on it because it happens with such frequency. But we are still really far away from there.”
“Men in Black: International” partners Agent M with Agent H (played by Chris Hemsworth) in a globetrotting mission that will take viewers on a fun and exciting adventure through Western Europe and Northern Africa to find a murderer, expose a mole, and ultimately save the world.
Fans first meet M as the six-year-old Molly who has an unexpected encounter with an alien. This exposes her to a new world that is inhabited by unearthly beings. And after the Men in Black erase her parents’ memory, M dedicates her life to tracking down the organization and pursuing the truth.
“Memory is huge for M,” Thompson said. “She doesn’t want to live a lie, and she feels that because there’s this organization [Men in Black] that can go around wiping out memories, the only way to relive the truth in terms of the universe and its underpinnings is to be a part of this organization.” In playing Agent M, the critically acclaimed actress tapped into her gender and ethnicity as a way to understand what drove and tested her character.
“If you’re a woman, and particularly a woman of color, and you’re trying to get access to any space that has been historically white and male, you have to work harder,” Thompson said. “This was an inspiration for me when I was thinking about M because she’s so ambitious. She wants to be good, but she also knows that she has to be good — especially if she wants to get to where she wants to go.”
Continue on to NBC News to read the complete article.
Aarón Sánchez gives us a taste of authentic Latin flavor like never before with a traditional Guacamole recipe that has a bold kick of flavor!
Guest judge Aarón Sánchez in the all-new Top 17 Compete episode of MASTERCHEF airing Wednesday, June 29
1 serrano chile
1 white onion
1/3 cup fresh cilantro
Juice of 3 limes
Pinch of Mexican oregano
Pinch of sea salt
2-3 Roma tomatoes
1/3 cup Queso Fresco or Queso Cotija
1 radish, sliced
1/3 cup dried chapulines (Mexican grasshoppers), optional
Create a flavor base blending the serrano chile, cut in chunks and keeping the seeds, with 1/2 of the onion, a generous heap of cilantro and the lime juice.
Cut the avocados in half and remove the seeds. Place in a bowl.
Season the avocados with salt and oregano, and then mash them all together. Do not mash too smooth.
Flavor the guacamole with the serrano purée to taste.
Add finely chopped onion and tomatoes to the guacamole and combine. Season to taste with more salt and oregano.
Serve with a pinch of queso fresco or queso cotija and sliced radish.
For authentic Mexican flavor, try adding a spoonful of dried chapulines.
Enjoy with warm tortilla chips and a margarita.
Servings: 4–6 Time: 25 mins.
Pro tip: For best results, use room-temperature avocados.
About the Chef
Aarón Sánchez, chief chef officer of COCINA, is an award-winning chef, TV personality, cookbook author, and philanthropist. He is the chef/owner of Mexican restaurant Johnny Sánchez in New Orleans and a judge on FOX’s hit culinary competition series MASTERCHEF. He also co-starred on Food Network’s Chopped and Chopped Junior.
Sánchez launched the Aarón Sánchez Scholarship Fund, an initiative empowering aspiring chefs from the Latin community to follow their dreams and attend culinary school. He is also passionate about preserving his family’s legacy through food and encouraging diversity in the kitchen.
Beyond food, COCINA is a differentiator in the digital media landscape, an agent of flavor serving audiences with a taste for authenticity and a passion for life. From beautiful short-form recipes to cinematic story-driven originals, COCINA delivers Latin America to the world through the universal language of food. Located in Los Angeles, COCINA was co-founded by Aarón Sánchez and CEO Emiliano Saccone.
Eight years ago, I lived in Goldhap, a refugee camp in Nepal, where more than 7,000 people reside in just over 1200 households, without running water or electricity. Today, I’m 22, a senior at Rochester Institute of Technology, majoring in Biomedical Science and on a path to achieve my dream of becoming a doctor. I am studying for the MCAT exam to apply for medical school. It has been a long journey for me and my family.
My dad, a native of Bhutan, fled the homeland with his family. He settled in Goldhap, where he did construction work in a surrounding town, and later started repairing bicycles. He met my mother; they married and had me, and my two younger brothers. But there was barely enough food to go around.
In 2010, my family was able to immigrate to the United States, where we settled in Raleigh, North Carolina. I studied hard and earned a full scholarship to Rochester Institute of Technology. In spring 2018, I participated in a study abroad program with the Council on International Educational Exchange (CIEE). I spent six weeks in each of three locations – studying HIV/Aids Policy & Politics in Cape Town, Media, Gender & Identity in London, and Family and Child Development in Paris. The experience reinforced my commitment to be a doctor!
As a child, I was stricken with jaundice, and it wasn’t sure that I would survive. My parents worked extra hard and were finally able to purchase the medicine that made me better. Once I recuperated, I decided I wanted to be a doctor to help others.
While studying in South Africa, my class visited a township village, Zwelethemba. I felt like I was back in the refugee camp. The people were living in severe poverty. But you could see and feel the camaraderie and love among the villagers. Every child was being raised by the entire village. I pictured myself in them.
It took me back to our camp and to our struggles. I spent 13 years of my life in a refugee camp, living just like these people, and then suddenly, there was I among them as a scholar. It reaffirmed that I am on the right path. It’s important for me to become a doctor and pursue my passion of helping underserved people by providing them with adequate health care.
The study abroad experience was so valuable because I know if I’m to become a doctor and work with a diverse population of people, then I need to experience diversity. This exposure has boosted my motivation to work hard and give back to the community.
Are you in the market for a new job? Is 2019 the year that you decide to make a change in your career? If you answered yes to either of those questions, then you need to get an idea of what skills are in demand.
I’ve written many articles on this subject, and most of them tend to lean heavily on the technical side, certifications, etc. I believe that this year, technical certifications will carry less weight than they used to. I see a trend in companies, inside and outside of Silicon Valley, where soft skills are starting to become more important. Lots of projects are manned not by one person, but by a team of people. To be an effective team player, you need certain soft skills to complement your technical skills to be successful. Let’s take a look at some of the most in demand technical and soft skills for 2019.
Cloud computing is becoming the king of the datacenter. With more and more adoption each year, cloud computing is poised to have a big 2019. Security measures are getting better, government entities are trusting the cloud, and new cloud-based certifications pop up every year. I realize the term ‘cloud computing’ is broad, so what areas of cloud computing should you focus on? Amazon, Amazon, Amazon. Amazon’s cloud computing platform is taking the market by storm. VMware’s cloud offering caved to Amazon’s stiff competition and instead focused on forging a partnership with Amazon going forward. Learn Amazon Web Services—take advantage of some of their online free training. Other options are training for Microsoft’s cloud offering, Azure. Find training on Azure and become proficient at it; Microsoft is staking a bigger-than-expected claim in the cloud space.
Adaptability to Change
Is this a skill? I believe it is, and it’s become a necessary skill to learn. If you work in the IT career field, you already know that it’s an ever-changing landscape. New technologies crop up every year, many companies will adopt these newer technologies and expect you to figure out how to maintain it. If you focused only on Dell storage, your whole career—and all of a sudden, your company—does a forklift upgrade to NetApp storage, you have to be willing to learn a new system, or get a new job. Adaptability applies not just to technology changes but also personnel changes. In many of our job roles we are tasked to work as a team, and sometimes that proves difficult. Learning to adapt to change can help greatly in this area. Adapting to change means being flexible, and being flexible opens up so many possibilities for success.
The ability to work remotely has increased steadily over the years, and mobile and Internet technology has made advances. With a 4G connection, we can connect and work on spreadsheets in real time with other colleagues, hold virtual boardroom meetings with WebEx and Skype for Business, and check and answer emails as needed on the go. Learning to become proficient with enterprise mobility suites, such as VMware Workspace One (formerly AirWatch), can help you to safely and accurately provide corporate resources to your workforce on the go. With more and more corporations allowing their employees to access corporate resources on their personal mobile devices, it has become increasingly important to secure those resources. Mobility security is an in-demand skill set now and going forward.
Thinking Outside the Box
This is one of the most overused, cliché terms I can think of, but it rings true, especially now. Thinking outside of the box also means creativity or innovation—two terms all over the values statements of major defense industry employers. Companies don’t want employees that will follow the status quo when it comes to bringing solutions to market or managing a data center. There are times when the traditional way of doing things won’t cut it. That’s when you need to get creative and find new ways to do old things. Companies love bringing in a new employee and putting them on a lagging project to see if their fresh set of eyes can see new ways to accomplish what has become stale. Learning this skill can open up lots of doors for you.
…And Much More
There are so many other intangibles that companies want to see in their employees, which is why I’ll go back to my earlier statement—soft skills are king for 2019. More companies will hire you and train you on a technology or process if you have the right soft skills and fit in with their philosophies. Spend some time polishing up your soft skills and see what a difference it can make.
Jazz Jennings knows the spotlight better than most. Having come out as transgender at age 5, she quickly became an equality champion as a teenager when she began speaking forcefully about the rights and needs of transgender kids just like her.
Shows like 20/20 came calling, and she became the subject of her own TLC docu-series, I Am Jazz. A subsequent reality show followed, and Jazz soon became a spokesmodel for Clean & Clear dermatology products.
How does it feel now when you look back on your coming out?
My coming out was very different than it is for most other transgender people. In fact, my entire trans experience is very unique in that I expressed I was a girl from as soon as I could verbalize the words. It’s crazy looking back and knowing that I had the awareness and conviction to express my truth as early as age 2 and 3.
What was your first exposure to The Trevor Project, and why were you drawn to its mission?
When I was 11 years old, I received a youth courage award from the Collin Higgins Foundation and spoke at a Trevor Project gala. That was the first time I was exposed to Trevor, and I was just so proud and in awe to see an organization that was so active in working to provide a resource for LGBTQIA+ people who feel like they have nowhere to turn.
Even though we have achieved a measure of equality in America, there is more need for The Trevor Project than ever. What do you think explains this seeming contradiction?
At the same time that LGBTQIA+ are stepping out of the shadows more than ever, there is a proportional increase in the backlash directed toward our community. In the current political climate, people feel more empowered than ever to express their views, even if their opinions rest on trying to dictate the lifestyle and identities of those they don’t understand and aren’t directly affected by. It saddens me to know that The Trevor Project is more needed than ever, but I’m grateful that we have an organization doing what they do and I have hope that progress will be made.
That’s also why Macy’s support is so important, because their round-up campaign will raise awareness of LGBTQ youth suicide prevention nationwide, and their contribution will help Trevor support even more young people in crisis.
So maybe you don’t meet all of a job’s requirements … that’s OK. You still have a chance.
What happens when you find your ideal job, but you don’t quite meet all its requirements? Don’t immediately give up and move on. If you know what you’re doing, you still have a chance to land the gig — without “fudging” the truth.
TopResume’s career advice expert Amanda Augustine recently shared her tips on how to approach this situation with CNBC Make It. Here’s what she suggests:
1. Even if you’re not still in school, you can build new skills
If you’re applying to the same type of job over and over, but you’re noticing an obvious skill gap, then maybe it’s time to hit the books again. No, that doesn’t mean bury yourself in even more student debt.
There are plenty of online platforms that allow you to take affordable — and sometimes free — online courses and certification classes to gain those skills. See what Lynda (now known as LinkedIn Learning), Udemy, and Masterclass have to offer. Then, when the subject comes up in your interview, let the hiring manager know that while you’re not necessarily an expert, you have taken specific steps to learn more.
For example, if an employer is looking for someone well versed in all things Google Analytics, but you haven’t worked with it before, you can take some simple courses to learn more about the platform.
“If you do this, you are miles ahead and will impress an employer,” Augustine told CNBC.
2. Remember that unpaid experience counts
If you’re a recent grad or are looking for an entry-level job, you know how irritating that “Must have three to five years of experience!” line in the job description can be. How can you have experience if you’re entry level?
But guess what? You just might have the experience — even if it wasn’t paid. Take out a piece of paper and start thinking about your internships, volunteer experiences, club involvement, and even your class projects.
No, you might not have experience managing a large brand’s Pinterest board, but maybe you spent three months performing a case study on some of the top Pinterest fashion boards for one of your senior-level classes. Maybe you don’t have paid experience managing a small team, but you did lead a final class project where you pitched a marketing plan to a national company.
“It’s all about positioning,” Augustine said. “Your resume is a marketing document, and you want to position it for whatever you are going after. That means play up the things employers are looking for and play down the things they aren’t.”
3. Lean on your network and connections
Did you know you’re 10 times more likely to secure a job when you have a relationship with someone at that company? That means, in addition to leveraging your skills and experiences, you should also leverage your network. Stay in touch with your professors and internship managers. Use your alumni network, and reach out to family members and friends in your field.
Also, rather than asking for a job (trust us, you don’t want to do that), simply ask for advice or any recommendations they might have before you submit your application. They might be able to float your name by the hiring manager so your resume has a better chance of being seen.
Continue on to Top Resume to read the complete article.
By Mass Communication Specialist 2nd Class Anita C. Newman, Defense Media Activity
The grassy hill surrounding the arena is packed full of spectators and family members. The emcee calls out a dancer’s name; there’s movement in the crowd. The competitor makes it into the arena, throws out his hoops for his sequence. Upon the dancer’s cue, the drum starts singing. Bells on his ankles sing in time with each beat of the drum and each step he makes.
He has five minutes to convey a story, using small hoops as his medium to paint each scene, as part of the 28th Annual Heard Museum World Championship Hoop Dance Contest held in Phoenix last year.
“The competition opens everyone’s eyes to the Native American culture,” said Timothy Clouser, the museum’s facilities director and a Navy veteran. “I find it very fascinating how each dancer puts their own artistic expression in their dance and story they are trying to convey. Not one dance is the same.”
Brian Hammill, an Army veteran of the Ho-Chunk Nation of Wisconsin and a previous World Hoop Dance champion, competed in Phoenix. He uses his dancing to help bridge the cultural gap between Native Americans and non-natives, sharing his culture everywhere he goes.
“As native people, we don’t give gifts of objects because an object goes away, but we give the gift of a song, or a dance,” Hammill said. “When you do that, if you give somebody a song, and you tell them, ‘Every time you sing this song, you tell the story,’ or ‘Every time you do this dance, you tell the story and you give it away,’ that dance will last forever. That’s how this hoop dance carries on; it’s given from one person to the next.”
The hoop dance is different than other Native American dances, such as powwow dancing. Powwows are inter-tribal celebrations of Native American culture. Tribal affiliation doesn’t matter, nor does what region someone is from. It doesn’t even matter if someone is native or non-native.
Powwow dancing consists of at least six categories. Men’s categories include the fancy dance, grass dance and traditional dance. Women’s categories are the fancy dance, jingle dress and traditional dance.
The hoop dance regalia is minimal compared to that of the powwow dances. Typically, a hoop dancer will wear a shirt, breechcloth, side drops, sheep skin, bells (or deer hooves) and moccasins. The colors and designs are specific to each person. The hoops are small and vary in size, typically depending on the height of the dancer. Sometimes they have designs on them, again, specific to each dancer.
“Traditionally, the hoops were made out of willow, depending on where the tribe was located,” Hammill said. “I make mine out of a very exotic wood called plastic.”
The hoop dance has different origin stories with a common thread that it originated in the Southwest. To some native nations, the hoop dance is a healing dance, Hammill said. A hoop would traditionally be passed over an afflicted person, then the dancer would break that hoop and never use it again.
“Basically, it was a way of taking away all that pain or sickness away,” Hammill said. “That’s not done in public. There is also a story of the children, the Taos Pueblo children. It is said that the children saw this ceremony taking place and began to emulate what they saw. Instead of telling the kids, ‘No, you can’t do this,’ the adults encouraged them. They began to sing songs for them. They took what was a prayer and made it something the kids could do. So, basically, the dance changed, it evolved.
“In the north, it tells of a warrior’s journey,” he continued. “As you see these hoops come together, they start to make formations. You’ll see the eagle, the butterfly, the warrior on the battlefield defending his family, the clouds in the sky.”
Each person, he explained, will see that dance in a different way, interpret the story differently. There are hundreds of hoop dance stories, but each one revolves around the sacred circle of life.
“The significance of the hoops is that it represents the circle of life. There’s no beginning and no ending,” Hammill said. “We are taught that each and every one of us—doesn’t matter who we are, where we come from, the color of our skin—we are all created equal in that sacred hoop.”
Another part of Hammill’s culture that he lives every day is the tradition of service.
“The way I was always taught is, as a native person, we are always here to serve the people,” he said.
“We serve them by cooking and providing food for them. We teach them, or protect them. One of the greatest things I was always taught that we do, is we put ourselves in harm’s way to protect our families and our identity. It was something I’ve always wanted to do, I felt I needed to do.”
Hammill enlisted in the Army while still in high school. He went to basic training during the summer between his junior and senior years, and went on active duty after graduation.
“It’s just something that we do,” he said. “You’ll find that throughout the United States, there are a higher percentage of native veterans per capita than any other race.”
While he was stationed in South Korea, one of his first sergeants learned that he had danced while growing up, and asked Hammill to share his culture with everyone. He performed the men’s fancy dance for his fellow Soldiers.
“A lot of these Soldiers weren’t exposed to different cultures, so he had me do one of my first presentations there,” he said. “I called my dad in Wisconsin, and he shipped all of my dance regalia to me. I started doing presentations for the people I was stationed with, and in different areas throughout the Korean theater. That’s where I really got the passion to share the story, and I found out how important it is.”
Hammill was introduced to the hoop dance prior to his transition out of the military in 1994. Back then, he would travel about 120 miles from Fort Polk, Louisiana, to Livingston, Texas, where he performed and danced with the Alabama-Coushatta tribe.
“A good friend of mine, Gillman Abbey, basically gave me this hoop dance,” he said. “He told me the story. He told me every time I dance, to always make sure I share the story, and give the dance.”
He said the hoop dance helped him heal from his time in service. Still brand new to hoop dancing, Hammill actually competed in the World Hoop Dance Championship for the first time about six months after he got out of the military.
“I was 24, in the adult division,” he said. “I remember I was scared because this is a huge competition. Some of the dancers I’m still dancing with today pulled me aside, said to me, ‘Hey, you’re doing good. Let me show you some different moves. Let me help you.’ I’ll never forget that because that’s what really kept me coming back. Being here, feeling that hoop and how it affects people, it keeps me coming back. It took me a long time, about 15 years, until I won my first world title. I moved to the senior division and won four more. But it’s a family. It really is something we all have in common.”
No matter where you are in life, whether you’re just starting your career or nearing retirement, it’s important to understand the voluntary benefits available to you that can complement traditional health insurance.
While health insurance can help cover medical costs in the event of injury or illness, sometimes there are additional expenses your health care plan doesn’t cover. Voluntary benefits, such as life insurance, disability insurance and dental insurance offered by your employer or as portable options through a company like Colonial Life can help bridge the gap should an unexpected event occur.
“Even if an employee has to pay a nominal sum for a voluntary benefit like disability insurance or dental coverage, it can be well worth it,” said Sharlyn Lauby, president of ITM Group Inc., creator of the HR Bartender blog and contributor to Colonial Life’s WorkLife blog. “Think of voluntary benefits as those specialized, personalized extras that make your overall benefits package exactly what you’d like it to be.”
Benefits can be complex, but with the right information about the options available, you can make choices that best fit your lifestyle and budget. Consider these common voluntary options.
While almost nine out of ten Americans agree most people need life insurance, just 60 percent said they have it, according to LIMRA’s Trends in Life Insurance Ownership study. With benefits typically paid tax free to your beneficiary, life insurance can provide peace of mind and help loved ones pay for funeral costs, cover living expenses, pay off debt, finance future needs and protect retirement plans. Policies are often available through employers, but you may lose the coverage if you change jobs. However, portable policies are also available that allow you to maintain coverage even if you change jobs or retire. To learn how much life insurance protection your family needs, visit worklife.coloniallife.com/calculator.
No one usually expects to get sick or injured, however, disability insurance can help protect your income and maintain your lifestyle if a physician determines you’re unable to work due to a covered accident or illness. Common conditions, such as pregnancy and childbirth, heart attacks, strokes, cancer and accidents, make up the majority of disabilities that lead to an inability to work. With short-term disability benefits, you receive financial support for a predetermined amount of time to cover expenses like a mortgage or rent, car payments, utilities and more, so you can focus on recovery.
Daily brushing and flossing can help keep your mouth healthy, but that’s not always enough as dental problems can lead to other health problems if left unattended. When you see a dentist for routine appointments and necessary procedures, dental insurance can help reduce the out-of-pocket expense. In fact, among insurance benefits typically provided to employees, 61 percent of workers view dental benefits as important, ranking second after medical insurance, according to LIMRA. Dental insurance provides coverage for regular cleanings and more extensive procedures like fillings, crowns, dentures and tooth removal. Some plans even offer allowances for orthodontic work like braces and retainers.
When an accident happens, one of the last things many people want to think about is how they’re going to pay the bills. You can prepare for the unexpected with accident insurance, which provides a lump-sum benefit—based on the injury suffered and treatment received—that can be used to help pay for expenses following an accidental injury, such as doctor bills, co-pays, emergency room fees, transportation, lodging and follow-up care.
Critical Illness Insurance
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June 16 is Father’s Day, making it the perfect time to start planning a fun and memorable fishing trip for dad and/or grandpa. The Outdoor Foundation reports that around 46 million Americans participate in fishing.
Most fathers would be thrilled to be surprised with a special fishing trip weekend to celebrate the day in their honor. The good news is that planning a special fishing trip without dad knowing about it is not that difficult.
“It doesn’t get much better than surprising dad with a family fishing trip for Father’s Day,” explains Joe Pippins, creator and founder of The Fishing Caddy. “Not only will it be something he doesn’t expect, but it will be something he loves doing, and it will create some great family memories.”
When it comes to planning a special fishing trip for the holiday, there are a few things to keep in mind. Here are some tips to help create a perfect family fishing trip surprise:
Determine the perfect location. Try to surprise dad by taking him somewhere new. Ask around to get some suggestions on great fishing locations. Narrow down where you will go and decide if you want to make it a one-day fishing trip, where you will be back home that night, or if you want to stay the night in a hotel or campground.
Check the regulations. While the regulation part of fishing is no fun, it’s something you don’t want to slow you down once you get to your destination. Find out what the regulations are and what you will need to be able to enjoy your day.
Keep it simple. When things get complicated it takes some of the fun away. Strive for planning a stress free trip with an emphasis on fun. Ask the kids to pitch in and do all they can to share in helping to get everything ready for the trip.
Take a camera. Take a good camera with you, even if you have to borrow one, so that you can get some good pictures. Those pictures ca to create special keepsakes from the trip, including framing a picture for dad’s office or having a wallet size photo made that he can carry with him.
Leave the other electronics behind. Rather than keep faces staring at the phone, opt to have family members not take their devices. If you are not comfortable with that idea, designate an hour per day when they can be used, and have them be off limits the rest of the time. To make a memorable family fishing trip, people need to look up and enjoy the people they are with.
Gear up. You will need to take along basic fishing gear, but you can help make the process easier by taking The Fishing Caddy, which can be part of the surprise. Giving dad The Fishing Caddy for a Father’s Day gift will help ensure the trip is less stressful and he will enjoy it more, because it’s been designed for organization and to improve the anglers’ experience. The caddy is the world’ first all-in-one fishing system, offering a padded seat top or tackle box lid, a built-in cup holder, a life well for the fish caught, two rod holders, LED lights, and more. The water weight prevents it from tipping over, making a great piece of gear for sharing with a family that loves the outdoors.
“In addition to these things for creating a great fishing trip, you also need a great attitude,” added Pippins. “It’s hard to have a bad day when you are fishing. Start planning now and you can make this the best Father’s Day yet.”
The Fishing Caddy, which ranges in price from $69.95 to $129, was expertly designed for all types of fishing, and can be used by anglers of all ages. The organization system gives people everything they need for a great fishing experience. The fishing system has been designed to help make fishing more enjoyable, and give people more time to fish, rather than track down and organize their tackle and supplies. The Fishing Caddy is available online at Amazon, at select Scheels locations, Etsy, and at the company website: https://thefishingcaddy.com.
About The Fishing Caddy
The Fishing Caddy is the world’s first all-in-one fishing system. Created by Joe Pippins, the caddy offers anglers an easy and simplified way to head out fishing. Features on the caddy include two rod holders, a cup holder, live well for storing fish, tackle box, and a padded seat option. The Fishing Caddy is made in the USA and comes with a two-year warranty. For more information, visit the site at: https://thefishingcaddy.com.