Business Journal 217th_

BEHIND THE JOURNAL

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MR. D-MARS

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Eugenie Doualla

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Kimberly Floyd

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Dy'v-l Davis

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Conrad Garcia

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Emma Aguiñaga

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George Gustin

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CONTRIBUTING WRITERS

d-mars.com

"IT IS BETTER TO BE PREPARED FOR AN OPPORTUNITY AND NOT HAVE ONE THAN TO HAVE AN OPPORTUNITY AND NOT BE PREPARED."

– Whitney M. Young

Jr.

At d-mars.com, we’re more than just a business journal and an advertising agency — we’re a support group. Wherever you are in your business journey, we’ve been there before. Remember, at one point, we were just a small business trying to get off the ground too. We might not have all the answers, but we sure will help you find the people that do, and that’s where our good friends at PermitUsNow come in.

PermitUsNow and its President, Helen Callier, are Houston’s premier experts when it comes to all things permitting in construction. If you don’t know where to start, they’re who you go to. As this administration rolled out its many tariffs and currently manages a government shutdown, many

CONTENTS

BUSINESS

04 How Small Businesses Can Help Employees Prepare for Retirement COMMUNITY

06 New Data Reveals what Consumers are Sipping in 2025 (and Why!

07 Jeffrey L. Boney is Running for Mayor of Missouri City

ENTREPRENEURSHIP

08 How to Get a Mortgage When You’re Self-Employed

EDUCATION & CAREER

09 What is Montessori Education?

10 HISD Family Survey Shows Majority of Families Believe Students Are Safe and Better Prepared for the Future

HEALTH & WELLNESS

15 3 Things Every Senior Adult Should Do for Their Health This Fall

15 How to Avoid Seeing Disturbing Content on Social Media and Protect Your Peace of Mind

16 Unresolved Respiratory Symptoms? Get the Right Tests and Care

16 5 Ways to Reduce Safety Risks for Young Children

17 5 Healthy Habits to Help Reduce Stress

18 Sisters Network® Inc. Continues To Lead the Fight: Highlights From the 2025 National Black Breast Cancer Summit

facets of the construction business had to change the way they operated, and that was especially true for the permitting process. Nevertheless, Helen and her team remain steadfast in the face of adversity and have been able to see her clients through it. Read all about it in our cover story, and you can read her monthly contributions in our sister journal, Subcontractors USA-Texas.

Also in this month’s journal: recognizing Breast Cancer Awareness Month, the first documented Black woman inventor in the U.S., and more.

As always, thank you for supporting our journal. We couldn’t do this without your readership.

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20 Understanding Autism Spectrum Disorder

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22 5 Financial Moves to Make Right Now 22 4 Tips to Take Control of Your Savings

ESTATE

23 5 Ways to Be Environmentally Conscious at Home

23 Go Green with Home Cleaners TECHNOLOGY

24 Ray-Ban Meta Smart Glasses Gen 2: A Look at the Pros and Cons

24 Tips for Protecting Yourself From Deepfake Fraud

DID YOU KNOW

27 Judy W. Reed is Often Considered the First Black Woman to Receive a US Patent

OLD FOLKS SAYING

27 Every Shut Eye Ain’t Asleep RECIPE OF THE MONTH

30 Chicken Noodle Soup

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By d-mars.com

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hat are you sipping these days? Americans today have endless options when it comes to beverages. Whether you prefer caffeinated or decaf, sugar or no sugar, bubbly or still, what's in your cup says more about you than you might think.

WTo better understand the latest trends and generational dynamics driving America's beverage choices, Keurig Dr Pepper released its first ever State of Beverages 2025 Trend Report, which dives into why people drink what they do, drawing primarily from national surveys and KDP's proprietary data. The results reveal that what people drink says a lot about what's important to them.

"Today's consumers don't drink just to hydrate — they drink to energize, indulge, connect, feel comforted, express themselves and more," said Tim Cofer, CEO of Keurig Dr Pepper. "Whether they're seeking well-being or a nostalgic favorite, we found that people's beverage preferences are deeply personal."

Here are some highlights showing what beverage preferences

reveal about American life in 2025.

Give up coffee? Never. More than half of Americans (62%) say, "My day doesn't start until I've had a cup of coffee," making it a non-negotiable ritual. In fact, 59% say they'd rather skip breakfast than miss their caffeine fix — and nearly 3 in 4 adults 21 and up (73%) confirm they'd rather give up all alcohol at night than skip their morning coffee or caffeine.

Are carbonated soft drinks really more refreshing than other beverages? Almost 6 in 10 (58%) say yes, with 53% enjoying their taste more than any other drink — which may be why they're the top beverage people choose as a treat.

Gen Z is adventurous. The survey found 72% of Gen Z (compared to only 16% of Boomers) try new beverages monthly, with 75% of them customizing their beverages, and more than half choosing beverages to "stand out."

Why try something new? To entice Americans to sample an unfamiliar beverage, offer them novelty. Nearly 6 in 10 Americans (59%) rate "new flavors" as the overwhelming winning attribute that motivates them to try a new beverage, versus 29% going for low- or zero-sugar options and 28% being attracted by physical health benefits.

Elevate your sips. Almost half of consumers (46%) are drawn to premiumization, and they're willing to pay more for beverages they consider premium — which they associate with better quality, better ingredients and attractive packaging.

Wellness wins. An overwhelming majority of Americans (82%) say drinking their favorite beverages helps restore their mental health, and 66% seek beverages that improve their physical health. Choosing healthier options also means less alcohol, with 58% of consumers (especially Gen Z) now preferring non-alcoholic beverages when hanging out with friends.

"Americans, led by younger consumers, are seeking more personalization, greater variety and better-for-you options to quench their thirst," added Cofer. "Today's consumers seek more intentional, flavor-rich beverage experiences — acknowledging they look for beverages to meet physical and mental well-being while also not wanting to sacrifice taste for function."

Want to discover more about today's beverage trends? You can read the full report at keurigdrpeppger.com.

Source: BrandPoint Content (Edited by d-mars.com)

N

Working directly with NewQuest Proper�es ownership and City staff in 2019 to secure a development agreement for Fort Bend Town Center II and Fort Bend Town Center III N

Stewarding Millions in Federal Community Funding that benefited the most vulnerable in our community N

Working directly with METRO and NewQuest Proper�es to bring a $60 million Park & Ride facility to my district to enhance commuter op�ons for residents N

NOW… it’s �me to take our City to the NEXT LEVEL!

The challenges ahead demand more than an “if it ain’t broke, don’t fix it” mindset.

Bold vision, fresh ideas, decisive ac�on, and a relentless commitment to the people who make Missouri City truly extraordinary is what this city needs.

I believe in a future where every resident feels seen, heard, and empowered! Where innova�on meets integrity and where progress is not just promised—but delivered. Together, we can take Missouri City to new heights. Together, we can reach the NEXT LEVEL.

1ST DAY OF EARLY VOTING: 10-20-25 LAST DAY OF EARLY VOTING: 10-31-25

ELECTION DAY: 11-4-25

HOW TO GET A MORTGAGE WHEN YOU’RE

self- employed

By d-mars.com

f you’re self-employed or own a business, you may be wondering if it’s possible to get a mortgage.

The short answer is yes, you can, but the process will look different. You’ll need to provide documentation verifying your employment and lenders will be analyzing your financial situation and the financial situation of your business to see how likely you are to pay back your loans in a timely manner.

To help you put your best foot forward, Wells Fargo is offering guidance on navigating the home loan process.

WHAT DOES IT MEAN TO BE SELF-EMPLOYED?

Typically, lenders consider an applicant self-employed if they meet any of the following:

• They own at least 25% of a business

• The ownership of a business is their major source of income

• They complete a 1099 tax form during tax filing instead of a W-2

• They’re an entrepreneur or sole proprietor whose income is filed under Schedule C of their tax returns

• They’re an independent contractor or service provider WHAT EMPLOYMENT DOCUMENTATION IS NEEDED?

Any of the following forms of documentation can help lenders show proof of your employee verification:

• Business licenses and/or DBA certificates

• Proof of correspondence with CPAs and/or clients

• Proof of business insurance

• Profit/loss statements or balance sheets reflecting your business’s performance

• Lenders’ requirements vary. Check with yours for what will be required for your situation.

• What tax return requirements are needed?

PERSONAL TAX RETURNS UNDER IRS FORM 1040 INCLUDE

VARIOUS SCHEDULES. COMMONLY USED SCHEDULES ARE:

• Schedule B (Form 1040) – Interest and ordinary dividends

• Schedule C (Form 1040) – Profit or Loss from Business (Sole proprietorship)

• Schedule D (Form 1040) – Capital Gains and Losses

• Schedule E (Form 1040) – Supplemental Income and Loss

• Schedule F (Form 1040) – Profit or Loss from Farming

FOR BUSINESS TAX RETURNS, A BUSINESS MAY CHOOSE TO REPORT TAXABLE INCOME EITHER ON A CALENDAR YEAR OR FISCAL YEAR BASIS. COMMONLY USED FORMS INCLUDE:

• IRS Form 1065 – U.S. Return of Partnership Income

• IRS Form 1120S – U.S. Income Tax Return for an S Corporation

• IRS Form 1120 – U.S. Corporation Income Tax Return

WHAT FACTORS SHOW THE STRENGTH OF YOUR BORROWING ABILITY?

Having a favorable debt-to-income ratio and credit score. A strong credit history shows lenders your ability to repay debts and utilize credit responsibly.

Staying organized. Keep expenses separate if you have multiple income sources, and separate business and personal accounts so that lenders can more easily tell which assets are which.

Having additional support, especially for closing. Certain factors may lower your risk for lenders, like utilizing a co-signer or borrower or paying a higher-percentage down payment than what’s required.

WHAT’S NEXT?

If you are self-employed, there are methods available to help make your goal of homeownership a reality. For example, eligible self-employed borrowers with Wells Fargo may have access to a variety of loans, such as VA or FHA loans or Wells Fargo products like Dream. Plan. Home. and the Homebuyer Access grant. Information can be found online about the eligibility requirements and personal tax implications of these products.

Talk to a home mortgage consultant to learn more about what your mortgage process may look like. Also, check out Wells Fargo’s home lending portal for personalized rate quote tools and for its content library featuring helpful articles. These can be found at https:// www.wellsfargo.com.

Source: StatePoint (Edited by d-mars.com)

What is Montessori Education

By d-mars.com News Provider

r. Maria Montessori, the Italian educator and scientist who, more than 100 years ago, developed the system of education that bears her name, knew that during the period from birth to age 3, your child’s brain develops more rapidly than at any other time, and more learning takes place than at any other stage of development. Yet, many parents don’t seek out formal education until their children have passed the toddler age.

D• Learning takes place across a variety of modalities: visual, auditory, tactile, etc. Given the freedom and support to question, probe deeply, and make connections, Montessori students grow up to be critical thinkers, confident, enthusiastic, and self-directed learners and citizens, accountable to themselves, their community, and the world.

CORE COMPONENTS OF QUALITY MONTESSORI

Recognizing the importance of these formative years, the Montessori approach to infants and toddlers supports starting earlier than that.

In a Montessori environment, your infant or toddler will be with teachers — loving, nurturing, and rigorously trained in child development — who create peaceful, supportive, and safe environments for our youngest children. In these spaces, a child’s natural passion for wonder, curiosity, exploration, independence, and discovery comes alive.

Montessori Infant & Toddler programs offer so much more than childcare. The classroom design fosters your young child’s emerging independence and desire for exploration. The environments are designed to promote your child’s growth in all areas of development. Additionally, Montessori Infant & Toddler programs provide support and guidance for families through programs that may include parent education and parent/child group experiences.

KEY UNDERPINNINGS:

• Honors the human spirit and the development of the whole child-physical, social, emotional, and cognitive.

• Encompasses a view of the child as one who is naturally eager for knowledge.

• It is based on ideals of equity, inclusion, and social justice.

• Also focuses on care of self, others, and the environment.

ADDITIONAL DISTINCTIVE FEATURES:

• Classes are multi-age (typically 3-year age span).

• Individual students follow their own interests while also learning from others.

• Time is given to enable students to explore and internalize concepts and ideas at their own pace while working toward individualized learning goals.

• Teachers serve as guides and mentors, systematically observing and assessing students’ progress and providing them with support/tools so that they may take ownership of their own learning and growth.

AMS recognizes 5 components as essential to high-quality programs. While not all Montessori schools incorporate them — any school can call itself Montessori, regardless of its fidelity to the philosophy and practice — they are a vital part of any school accredited by the American Montessori Society. Currently, about 15% of our member schools fall into this elite group.

Properly trained Montessori teachers Teachers hold credentials for the level at which they teach. They have a rigorous command of Montessori philosophy, Montessori curriculum, classroom management, and child development.

• Multi-age classrooms – Students benefit from differentiated learning based on abilities, not age. Self-esteem is built on personal accomplishments rather than comparison with same-age peers.

• Use of specially designed Montessori learning materials – Hands-on, interactive, and engaging, they enable students to learn through discovery.

• Student-directed work – Students are intrinsically motivated, and learn about their personal strengths and ability to improve.

• Uninterrupted work periods – Working freely and at their own pace on self-selected activities, students develop concentration, time-management skills, and a love for learning.

More school districts are including Montessori programs as a parent choice. Currently, more than 500 public schools nationwide offer Montessori programs. Public Montessori education is a popular option for preschool through high school students attending all types of publicly funded schools — neighborhood, magnet, and charter. Because they are publicly funded, public Montessori schools are open to all children. They do not generally require incoming students to have prior Montessori experience; however, some restrict the admission of children without Montessori experience to lower Elementary levels only. Students are often admitted to public Montessori programs by lottery because there tend to be more applicants than openings.

While public Montessori programs are tuition-free, tuition may be charged for 3- to 4-year-olds in public school pre-kindergarten classes that are not fully covered by state funding. If required, pre-kindergarten tuition is usually paid on a sliding scale, depending upon the family’s eligibility for the National School Lunch Program (free, reduced, or full-pay).

Additional details are available at the Black Montessori Fund at www.blackmontessori.org.

Source: NNPA by Jason Roberts

HISD Family Survey Shows Majority of Families Believe Students Are Safe and Better Prepared for the Future

By d-mars.com News Provider

he Houston Independent School District (HISD) released the results of its 2025 Family Sentiment Survey, capturing the perspectives of families from 259 of 274 campuses. Responses were collected between May 29 and June 30 in English, Spanish, Vietnamese, Arabic, Farsi, and Mandarin. The survey results were weighted to ensure a valid, representative sample of HISD’s community.

THISD, one of the most diverse districts in the nation, serves a student body that is 62% Hispanic, 21% Black, 10% White, 5% Asian, and nearly 3% multi-racial, with less than 1% identifying as American Indian or Native Hawaiian. The sentiment survey reflects the voices of this diverse parent community.

“HISD families are clear: they see progress in classrooms and are confident that students are learning and being prepared for the future. A majority of families believe their school is doing better than it was a year ago, and that’s a great testament to the transformation and the tremendous work of our educators and staff,” said Superintendent Mike Miles. “At the same time, we take seriously the areas where families want stronger connections. This survey is another step in improving our schools and our students’ experiences.”

KEY HIGHLIGHTS

• 71.5% of families believe HISD is preparing their child for life, career, or continuing education—with three-fourths of economically disadvantaged families affirming this confidence.

• A majority of families report their child’s school is doing better than it was a year ago—including 62% of Hispanic families and 61.5% of economically disadvantaged families.

• 73.5% of families said their child is learning as much as expected, or mostly so.

• A majority of families across all four District divisions (Central, North, South, West) believe classroom instruction meets their child’s needs.

• Families ranked “believing their child is safe at school” as a top issue—and nearly 8 in 10 families report their child’s school provides a safe and welcoming environment.

• More than 60% of parents would recommend their school to other families, and 78% say they feel well-informed about school activities and events.

AREAS FOR GROWTH

The survey identified several focus areas moving forward:

• Although high school families report positive experiences, their overall sentiment lags behind other grade levels. HISD will continue the use of ParentSquare, family surveys, and principal/counselor office hours to strengthen communication.

• White families (70.9%) and economically advantaged families (66.1%) reported HISD is “getting worse”, indicating that sentiment among these groups is negative. HISD looks forward to continuing to gather direct feedback and engaging with families in conversations to understand this lag and determine if there are actionable solutions that keep students' academic results at the forefront.

• Black family engagement: While Black and Hispanic student achievement has dramatically increased over the past two years, HISD acknowledges the need to deepen partnerships with Black families, as their sentiment lags behind that of other parent groups.

The District thanks families for taking part in the 2025 Family Sentiment Survey as part of HISD’s ongoing commitment to listening to families and identifying opportunities for improvement.

Permits, Tariffs, and Government Shutdowns with PermitUsNow’s Helen Callier

By d-mars.com News Provider

s this current administration moved into office, the team at PermitUsNow had prepared themselves for a year filled with tariffs. 2025 has been marked with higher material costs and shifts to alternate materials, but, as Founder and CEO of PermitUsNow Helen Callier said, if you paid attention to the campaign in 2024, it should have come as a surprise to no one.

Now dealing with a government shutdown, Texas’ premier permitting experts have their work cut out for them, mitigating these obstacles and delivering their clients the success they’ve grown accustomed to.

Q&A WITH HELEN CALLIER OF PERMITUSNOW:

Q: Since we last spoke in 2023, what have been some big things that PermitUsNow has done?

A: Over the past couple of years, PermitUsNow has continued to scale with intention of expanding our impact to existing and new clients, deepening partnerships, and positioning our firm to meet the growing demand of construction projects in the Houston area, across Texas and beyond.

Strategically, we were selected to support key long-term capital projects, including the $2.2 billion Harris Health LBJ Hospital Expansion, which encompasses a new hospital tower, parking garage, community farm, and a central utilities plant which is a major public project that reflects our firm’s ability to deliver permitting expertise on missioncritical healthcare projects. We’re also proud to serve on the new United Airlines Catering Kitchen project, an essential component of United’s $2.6 billion Terminal B expansion at IAH Airport, where speed, accuracy, and coordination are vital.

Additionally, we continue to strengthen our long-standing relationship with H-E-B, serving as a trusted strategic partner on projects statewide, including their North Texas expansion.

These opportunities demonstrate how PermitUsNow’s processes, relationships, and reputation have evolved to support some of the largest owners and contractors in Texas.

Internally, I’ve been focused on working on advancing our franchise model, expanding our Houston, Austin and North Texas area teams to meet rising demand, and reinforcing a culture of excellence and accountability. We’ve invested in systems, training, and technology to ensure consistency across offices.

Q: As we close out 2025, how would you say your year has gone?

A: 2025 has been a year of strong growth and forward momentum for PermitUsNow. We focused on working more strategically by strengthening our relationships and refining systems to support statewide growth.

Our team delivered on major capital projects in healthcare, aviation, and retail, reinforcing our reputation as the go-to firm for timely and compliant permitting.

What I’m most proud of is how our staff showed up with excellence, collaboration, and a deep commitment to clients’ success. This year proved that great teams build great projects.

As we head into 2026, our focus remains clear: taking care of our existing clients, expanding our footprint, employing innovation, and continuing to help architects, contractors, and owners build faster and smarter across Texas and in other markets we serve in.

Q: How would you say it’s gone for permitting as a whole?

A: Permitting in 2025 has reflected the broader dynamic pulse of construction, with periods of slowdown in certain sectors like in housing, yet steady in its importance to every project’s success. While data from the Greater Houston Partnership, the Home Builders Association, and the Pool and Spa Association show permit volumes in certain markets trailing previous years, we see this as a moment to sharpen our processes, innovate, and double down on client service.

At PermitUsNow, we know that regardless of economic cycles, tariffs, or even inclement weather, permitting remains a constant and crucial step in moving projects forward. That’s why we continue to operate with diligence, speed, and precision ensuring that architects, contractors, and owners can keep building with confidence. Economists citing that fewer permits were pulled here-and-there does not mean less opportunity. It’s the opposite where it means working smarter, staying proactive, and being the dependable partner are essential as our clients have come to count on every day.

Q: Have you ever had to deal with government interference like tariffs before?

A: Yes, during the 2018 period, a prior administration implemented similar tariff measures targeting U.S. trade partners and countries viewed as economic competitors. At that time, we saw immediate ripples across the construction industry from material cost fluctuations to project reprioritization.

increased costs of construction materials and longer lead items on imported equipment.

Q: How can contractors better prepare themselves for the potential tariffs in the future?

What that experience reinforced for us at PermitUsNow is the importance of staying adaptable and proactive. We know how to anticipate changes in the marketplace, so we communicate early with clients to keep projects moving despite uncertainty.

Regardless of tariffs or policy shifts, permitting remains essential to progress. We focus on what we can control which is accuracy, speed, and relationships so that our clients can continue building. The landscape may change, but our mission doesn’t: helping projects get permitted on time, every time.

Q: Were you prepared for something like this to happen?

A: Yes, PermitUsNow was prepared. Tariffs were imposed during the 2018 to 2019 timeframe and as stated earlier, tariffs were a key part of the 2024 presidential campaign year so it was no secret that tariffs would occur. And because of this, we observed where some astute contractors also began hedging their position in late 2024 to mitigate the impact of

A: I have written articles about tariffs including “5 Impacts of Tariffs on Permitting for Contractors” where I shared tips to contractors on ways to be successful in permitting in a market with high and erratic tariffs. At this juncture in 4Q 2025, a significant amount of contractors have implemented a solution to stay resilient and to manage the effects of tariffs. One way that contractors can improve is to assess their project scopes and identify ways the project can be phased. Often, phasing projects, especially large capital projects, can save time, money and allow construction to start sooner.

Q: We're in the midst of a government shutdown. How does that change permitting? Does anything move during this time at all?

A: My next blog article titled “Navigating Local Permitting Issues During a Federal Shutdown: 5 Tips for Contractors” talks about the impact of the shutdown on developments that require federal environmental reviews and approvals to move forward. During this time, federal agencies’ staff are furloughed and when work in Washington resumes, then the wake effect occurs. This is a backlog of projects plus hundreds of pending applications going into the system that will further delay federal reviews for weeks and maybe months. Contractors are encouraged to do as much as they can in progressing local jurisdiction reviews, asking for conditional approvals where possible and definitely, reviewing project scopes and identifying how phase work in a manner that only requires local approvals. And as always with permitting, contractors should keep constant communications with local permitting centers, monitor the shutdown and be ready to re-engage quickly once Washington reopens.

Q: For those worried about the red tape of government interference in the future and how it could affect their business, what would you have to say to them?

A: As a business leader, it is important to control what you can control. And what you cannot control, identify and assess risks to project. Implement strategies and plans to mitigate future government chaos. Maintain proactive communications with key stakeholders and make sure to bring so-called bad news to light with project owners sooner than later.

3 Things Every Senior Adult Should Do for Their Health

This Fall

or older adults, fall is an important time to focus on health and wellness.

According to Ryan Kocher, who leads Medicare growth for HealthSpring, the new brand for Health Care Service Corporation’s Medicare business, formerly owned by the Cigna Group, the following three tasks are essential for seniors to complete as cool weather sets in.

GET A FLU SHOT

An influenza vaccine can help prevent serious illness due to flu. As immune defense diminishes with age, older adults are increasingly susceptible to flu complications. The Centers for Disease Control and Prevention (CDC) recommends the use of higher dose flu vaccines for people 65 years and older. This fall, in advance of flu season, visit your healthcare provider or pharmacist to get the right vaccine for you. This is also a good time to catch up on any other immunizations that your provider recommends.

REVIEW MEDICARE COVERAGE

Medicare is the government health insurance program for Americans 65 and older and

others who qualify. Many Medicare beneficiaries choose or change their plans during the Medicare Annual Enrollment Period (AEP), which takes place between Oct. 15 and Dec. 7. HealthSpring is offering a host of Medicare options for 2026. The company provides these tips for selecting a plan:

Check for plan changes: Review your plan every AEP, especially if you’ve experienced changes to your health, lifestyle or finances. It’s especially important to read your Annual Notice of Change (ANOC) letter – delivered every September – to find out about any modifications to your current plan.

• Dig into the details: A good plan is one that includes your favorite providers and specialists and covers the medications you currently take. When reviewing plans, take these factors into consideration.

• Consider all your options: Medicare Advantage plans cover everything Original Medicare does, so do your research to see if these plans will work for you.

• Learn more: Before enrolling in a particular plan, be sure you understand the details. Call Medicare at 1-800-MEDICARE (1-800-633-4227) 24 hours a day, 7 days a week; TTY users can call 1-877-486-2048. Or, visit the Medicare Plan Finder website at Medicare.gov/plan-compare. For local assistance, refer to the State Health Insurance Assistance Program website at www.shiptacenter.org. You can also visit individual Medicare plans’ websites for more information. For example, HealthSpring’s website is www.healthspring.com.

USE YOUR HEALTH CARE BENEFITS

Annual enrollment also serves as a good reminder to take advantage of all your Medicare benefits. Preventive care and a healthy lifestyle can help you maintain your independence and vitality as you age. Tap into what your plan offers so you can actively engage in your health and well-being.

By checking a few important items off your to-do list during autumn, you can ensure you’re well-positioned for a healthy winter and 2026.

Source: StatePoint

tional steps to filter, block and set boundaries.

PRACTICAL STEPS YOU CAN TAKE

hen graphic videos go viral, it can feel impossible to protect yourself from seeing things you did not consent to see. But there are steps you can take.

Social media platforms are designed to maximize engagement, not protect your peace of mind. The major platforms have also reduced their content moderation efforts over the past year or so. That means upsetting content can reach you even when you never chose to watch it.

WHY THIS MATTERS

Research shows that repeated exposure to violent or disturbing media can increase stress, heighten anxiety and contribute to feelings of helplessness. These effects are not just short-term. Over time, they erode the emotional resources you rely on to care for yourself and others.

Protecting your attention is a form of care. Liberating your attention from harmful content is not withdrawal. It is reclaiming your most powerful creative force: your consciousness.

Just as with food, not everything on the table is meant to be eaten. You wouldn’t eat something spoiled or toxic simply because it was served to you. In the same way, not every piece of media laid out in your feed deserves your attention. Choosing what to consume is a matter of health.

And while you can choose what you keep in your own kitchen cabinets, you often have less control over what shows up in your feeds. That is why it helps to take inten-

Fortunately, there are straightforward ways to reduce your chances of being confronted with violent or disturbing videos. Here are four that I recommend:

Turn off autoplay or limit sensitive content. Note that these settings can vary depending on device, operating system and app version, and can change.

SOCIAL MEDIA STEPS YOU CAN TAKE

Bluesky: Settings–Content and media-uncheck Autoplay videos and GIFs

Facebook app: Profile picture (Menu)-Settings-Media-Autoplay in Feed and Stories-Never

Facebook browser: Profile picture (Account)-Settings and privacy-Settings-Media-toggle off Autoplay animations

Instagram: Profile picture-Menu icon (three horizontal lines)-Content preferences-Sensitive content: Less; Suggest political content: Off; Specific words and phrases: add words

TikTok app: Profile button-Menu button (three horizontal lines)-Settings and privacy-Content preferences-Restricted mode: On; Filter keywords: add words

X website: More-Settings and privacy-Privacy and safety-Content you see-uncheck Display media that may contain sensitive content

YouTube app: You (Profile)-Gear icon (Settings)Playback-Autoplay next video-toggle off

YouTube browser: Settings-Playback and perfor-

mance-Browsing-toggle off Video previews

Use keyword filters. Most platforms allow you to mute or block specific words, phrases or hashtags. This reduces the chance that graphic or violent content slips into your feed.

Curate your feed. Unfollow accounts that regularly share disturbing images. Follow accounts that bring you knowledge, connection or joy instead.

Set boundaries. Reserve phone-free time during meals or before bed. Research shows that intentional breaks reduce stress and improve well-being.

RECLAIM YOUR AGENCY

Social media is not neutral. Its algorithms are engineered to hold your attention, even when that means amplifying harmful or sensational material. Watching passively only serves the interests of the social media companies. Choosing to protect your attention is a way to reclaim your agency.

The urge to follow along in real time can be strong, especially during crises. But choosing not to watch every disturbing image is not neglect; it is self-preservation. Looking away protects your ability to act with purpose. When your attention is hijacked, your energy goes into shock and outrage. When your attention is steady, you can choose where to invest it.

You are not powerless. Every boundary you set – whether it is turning off autoplay, filtering content or curating your feed – is a way of taking control over what enters your mind. These actions are the foundation for being able to connect with others, help people and work for meaningful change.

Source: The Conversation (Edited by d-mars.com)

By d-mars.com News Provider

ach year, 500 to 1,000 people in the United States are diagnosed with pulmonary arterial hypertension (PAH), a rare lung disease that can be fatal if left untreated.

To encourage earlier diagnosis of PAH, the American Lung Association, with support from Johnson & Johnson, is sharing information about the disease, its symptoms, and the importance of testing and proper treatment.

What is PAH? PAH is a rare, progressive lung disease caused when the tiny arteries in your lungs become thickened and narrowed. This blocks blood flow through your lungs, causing the blood pressure in your lungs to rise. The heart has to work harder to pump blood through the narrowed arteries. Over time, your heart has difficulty effectively pumping blood through your body.

What are the symptoms of PAH? In the early stages, you may not notice symptoms. As PAH progresses, common symptoms include shortness of breath, especially with activities like walking up the stairs or long distances, fatigue, edema (swelling of the feet, legs and eventually the abdomen and neck), dizziness and fainting spells, chest pain, heart palpitations, and lips and fingers turning blue. Contact your healthcare provider if you’re experiencing these or any worrisome symptoms.

Who is most at risk? While anyone can get PAH, those most at risk are women ages 30-60, and Black and Hispanic women.

Why is PAH difficult to diagnose? Because symptoms of PAH are similar to other diseases, the average time it takes to get a diagnosis is about 3 years. This delay can be frustrating for

5 Ways to Reduce Safety Risks for Young Children Unresolved Respiratory Symptoms? Get the Right Tests and Care.

patients and their families, and can result in poorer health outcomes. Unfortunately, health disparities exist due to a wide-range of factors, like lack of access to healthcare, health insurance coverage, transportation to specialists, and health literacy, and can exacerbate these delays. Increasing awareness of this rare disease can help patients get a quicker diagnosis so they can get the treatment they need.

How can the path to diagnosis be shortened? Your provider may order several tests to help with diagnosis:

• A simple blood test, the BNP test (also called B-type natriuretic peptide test) or NT-proBNP test, can help determine if your heart is working harder than it should, a sign that you may have PAH. Getting this test done early can help speed the path to diagnosis.

• Electrocardiogram to show the electrical activity of your heart.

• Echocardiogram to check the size and condition of your heart.

• Lung function tests.

• A right heart catheterization to confirm PAH, once your provider suspects it.

How is PAH treated? PAH-specific medications come in multiple forms: oral, inhaled and subcutaneous. Some allow blood to flow more easily through the arteries of your lungs. Others improve heart and lung function. PAH medications help slow how quickly your disease worsens. For optimal health outcomes when dealing with a rare disease like PAH, it’s best to see a specialist.

If you have unresolved respiratory symptoms that are not improving with your current treatment, learn more about PAH at Lung.org/pah.

Source: StatePoint (Edited by d-mars.com)

s parents, one of your top priorities is the safety and well-being of your children. With all the potential pitfalls of day-to-day life, however, navigating the risks can be difficult.

These everyday safety tips can help you navigate everything from car seat safety to baby-proofing and safe sleep, keeping your child out of harm's way as much as possible from birth through his or her toddler years.

1.

CAR SEAT SAFETY

• Always use a valid (typically less than 6 years old), federally approved car seat in motor vehicles.

• Ensure the seat is properly installed. Refer to the instruction manual with any questions.

• If you use an infant carrier, strap your child in on the floor, never a counter or tabletop.

• For at least the first two years of your child's life, the car seat should be rear-facing.

• The safest location for a car seat is in the middle of the back seat.

2. CHOKING PREVENTION

• Avoid giving your child nuts, popcorn, hard candies, hot dogs and raw fruits and vegetables, such as grapes or carrots, that may present a choking hazard.

• Never prop up a bottle and leave your baby unattended.

• Inspect toys often to ensure they're not broken and

do not have small pieces that could easily become detached.

• Be cautious of strings and buttons on clothing.

3. SAFE SLEEP

• The safest place for your baby to sleep is on his or her back, which reduces the risk for Sudden Infant Death Syndrome (SIDS).

• Avoid placing anything in the crib or bassinet that may suffocate your child, such as pillows, blankets or bumpers.

• Keep your child's room at a moderate temperature and dress him or her appropriately to avoid overheating.

• Never leave your baby alone on a bed, couch, changing table, swing or infant seat.

4. WATER SAFETY

• Set your hot water heater no higher than 120 F.

• Test the temperature of bath water before setting your baby in the tub.

• Never leave your baby unattended in the bathtub.

• Keep toilet lids down and consider installing toilet lid locks.

5.

BABY-PROOFING

• Install smoke and carbon monoxide detectors on every level of your home and in every sleeping area.

• Secure cords on blinds and drapes out of reach.

• Keep sharp objects, such as knives, scissors and tools, and other hazardous items, like coins, beads and pins, in a secure place out of baby's reach.

• Store cleaning products and medications in locked cabinets. Never store potentially toxic substances in containers that could be mistaken for food or drink.

• Cover all electrical outlets.

• Cushion hard edges and sharp corners of furniture and decor.

• Secure cords to electrical items along baseboards using electrical tape.

• Attach heavy or tall furniture to the wall and avoid placing items that could fall, like electronics or lamps, on top of dressers or shelves.

• Install safety gates with straight, vertical slats securely in front of all stairwells.

Source: Family Features

5 Healthy Habits to Help Reduce STRESS

BBy d-mars.com News Provider

etween work, family obligations, and a constantly changing world, people in the United States are stressed. In fact, U.S. workers are among the most stressed in the world, according to a State of the Global Workplace study. While some stress is unavoidable and can be good for you, constant or chronic stress can have real consequences for your mental and physical health. This is because the body’s natural stress response, often called the “fight-or-flight” mechanism, is designed for short-term, acute threats. When this system is activated over and over again for prolonged periods, the persistent elevation of stress hormones like cortisol and adrenaline can wear down the body’s natural defenses.

Chronic stress can increase your lifetime risk of heart disease and stroke. It can also lead to unhealthy habits like overeating, physical inactivity and smoking while also increasing risk factors, including high blood pressure, depression and anxiety. This long-term activation of the stress-response system can disrupt almost all of your body's processes. For the cardiovascular system specifically, chronic stress can lead to inflammation in the arteries, which is a key factor in the development of atherosclerosis, or the hardening of the arteries. However, a scientific statement from the American Heart Association shows reducing stress and cultivating a positive mindset can improve health and well-being. Taking proactive steps to manage your daily stress is not a luxury; it is an essential component of a heart-healthy lifestyle.

To help people understand the connection between stress and physical health, the American Heart Association offers these science-backed insights to help reduce chronic stress.

STAY ACTIVE

Exercise is one of the easiest ways to keep your body healthy and release stress. Physical activity is linked to lower risk of diseases, stronger bones and muscles, improved mental health and cognitive function, and lower risk of depression. It can also help increase energy and improve quality of sleep. The American Heart Association recommends adults get at least 150 minutes per week of moderate-intensity activity, 75 minutes of vigorous activity or a combination. Moderate-intensity activities could include a brisk walk, water aerobics, or gardening, while vigorous activities might include running, swimming laps, or hiking uphill. The reason exercise works so well is that it boosts your body’s production of endorphins, which are natural mood elevators, and it can help decrease the levels of stress hormones in your body over time.

MEDITATE

Incorporate meditation and mindfulness practices into your day to give yourself a few minutes to create some distance from daily stress. Some studies show meditation can reduce blood pressure, improve sleep, support the immune system, and increase your ability to process information. Even a simple five-minute breathing exercise can be highly effective: find a quiet spot, sit comfortably, close your eyes, and focus solely on the sensation of your breath. The goal isn't to stop thinking, but rather to observe your thoughts without judgment as they pass by. For those who find it difficult to start, there are countless guided

PRACTICE POSITIVITY

A positive mindset can improve overall health. Studies show a positive mindset can help you live longer, and happy individuals tend to sleep better, exercise more, eat better, and not smoke. Practice positive self-talk to help you stay calm. Instead of saying, “everything is going wrong,” re-frame the situation and remind yourself “I can handle this if I take it one step at a time.” This practice, known as cognitive re-framing, can actually help rewire the neural pathways in your brain over time. By consciously choosing a more empowering perspective, you strengthen positive thought patterns and weaken negative ones, making it easier to manage future stressors.

SHOW GRATITUDE

Gratitude – or thankfulness – is a powerful tool that can reduce levels of depression and anxiety and improve sleep. Start by simply writing down three things you’re grateful for each day. You can expand on this practice by keeping a gratitude jar, where you and your family members can add notes of thanks, or by making it a point to verbally express your appreciation to someone at least once a day. This simple act shifts your brain’s focus away from negative emotions and stimulates the production of dopamine and serotonin, two crucial neurotransmitters that enhance your mood.

FIND A FURRY FRIEND

Having a pet may help you get more fit; lower stress, blood pressure, cholesterol, and blood sugar; and boost overall happiness and well-being. When you see, touch, hear, or talk to companion animals, you may feel a sense of goodwill, joy, nurturing, and happiness. At the same time, stress hormones are suppressed. This is partly due to the release of oxytocin, a powerful hormone that plays a role in social bonding and has a calming effect on the nervous system. The routine and responsibility of caring for a pet can also provide a comforting sense of purpose and structure to your day. Dog ownership is also associated with a lower risk of depression, according to research published by the American Heart Association.

Find more stress-management tips at Heart.org/stress.

STRESS 101

Understanding stress is an important step in managing and reducing it. Consider these things to know about stress and how it could affect your life:

• Today, 1 in 3 adults in the U.S. report being worried or depressed.

• Higher levels of the stress hormone cortisol are linked to increased risk of high blood pressure and cardiovascular events like heart disease and stroke.

• The top sources of stress are money, work, family responsibilities, and health concerns.

• Work-related stress is associated with a 40% increased risk of cardiovascular disease like heart attack and stroke.

• Chronic stress can weaken the immune system, making you more susceptible to infections and illnesses.

• Stress can also have a significant impact on digestive health, contributing to conditions like heartburn, stomach cramps, and irritable bowel syndrome (IBS).

Source: Family Features (Edited by d-mars.com)

Sisters Network® Inc. Continues

To Lead the Fight: Highlights From the 2025 National Black Breast Cancer Summit

By d-mars.com News Provider

n 1994, Karen Eubanks Jackson, a breast cancer survivor of over 30 years, founded Sisters Network® Inc. It stands today as the only national African American breast cancer survivorship organization. With more than 25 chapters across the country, the network is dedicated to bringing attention to the serious impact of breast cancer on our community. Through their work, thousands of women and their families receive vital support, education, and access to much-needed resources.

The facts about breast cancer in our community are startling. It is the most common cancer affecting Black women. We are 40% more likely to die from breast cancer than women of other backgrounds. This year, it's projected that over 40,000 Black women will be newly diagnosed, and tragically, more than 6,000 may lose their lives to the disease. A key reason for this is that our cancers are often found at a later, more advanced stage, making treatment more difficult. Furthermore, Black women are twice as likely as white women to be diagnosed with triple-negative breast cancer, an aggressive form of the disease that is harder to treat.

These numbers show exactly why the work of Sisters Network is so crucial. The organization is committed to meeting the specific needs of Black women, providing the support, information, and resources necessary for our breast health journey.

The Hyatt Regency Houston Galleria welcomed hundreds of survivors, advocates, medical professionals, and supporters, who gathered for the Sisters Network’s National Black Breast Cancer Summit on October 3-5. This purposeful and impactful weekend is dedicated to education, empowerment, and community among Black women affected by breast cancer.

The weekend began with a lively welcome reception sponsored by Lilly, where attendees

from Sisters Network affiliate chapters nationwide reunited in sisterhood and celebration. Jackson welcomed the women with a heartfelt message of purpose and gratitude.

“Over the next couple of days, we’ll learn, we’ll share, and we’ll lift each other as we celebrate the blessing of being together,” said Jackson. “Sisters Network is what it is because of women like you, those who roll up their sleeves, provide support in their communities, answer late-night calls, and show up in love. You are the heartbeat of this movement.”

Jackson also acknowledged the organization’s board members as well as affiliate chapter leaders, volunteers, and national partners who continue to drive the mission forward. The evening concluded with line dancing hosted by Jazzy Vee and a toast celebrating survivorship and unity.

Saturday’s Pretty in Pink Luncheon & Awards Ceremony, presented by Gilead Oncology, featured a soul-stirring live performance by gospel award-winning artist Evvie McKinney.

The mistress of ceremonies for the luncheon was Sharron Melton, an anchor with Channel 39. Among the day’s honorees, the Triangle North Carolina Affiliate Chapter received the prestigious Chapter of the Year Award, and Majic 102.1 radio personality Kandi Eastman was named Community Advocate Champion for her outstanding dedication to raising breast cancer awareness across Houston.

The summit’s educational sessions delved into topics at the intersection of innovation and equity in breast cancer care. Dr. Caroline Chung, M.D., MSC., FRCPC, CIP, led a fireside chat on artificial intelligence in breast cancer treatment, while Dr. Lisa A. Newman, M.D., FACS, discussed the disproportionate rates of triple-negative breast cancer (TNBC) among Black women. Attendees also participated in breakout sessions and explored exhibits featuring Pfizer, MD Anderson Cancer Center, and Black Girl Vitamins, among others.

Reflecting on the summit’s impact, Jackson shared, “When I founded Sisters Network, it was out of necessity and faith. Necessity because the data and experiences of Black women were being overlooked, and faith because I knew our community could lead the change. Since then, we’ve built a movement that centers survivors, educates the public, advocates for equity, and connects women to the care they deserve.”

The Pretty in Pink Luncheon & Awards served not only as a celebration of survivorship but also as a call to action. “Today’s event is more than a beautiful moment; it is a recognition of strength, sisterhood, and service,” Jackson said. “It is also an opportunity to confront the reality that Black women continue to face later diagnoses and barriers to care. But we are not powerless. We are informed, organized, and relentless.”

The 2025 National Black Breast Cancer Summit concluded with a heartfelt gospel brunch. This summit reaffirmed Sisters Network’s commitment to saving lives through early detection, advocacy, and sisterhood. Sisters Network is committed to remaining the leading national voice for African American women in the fight against breast cancer.

For more information, visit www.sistersnetworkinc.org.

Source and Photo Credits: Sisters Network, Inc.

TUnderstanding AutismDisorderSpectrum

By d-mars.com News Provider

he U.S. Department of Health and Human Services provided this guide on autism spectrum disorder as part of a series of briefs that offer basic information about common disabilities and tips for educators as they support children with disabilities.

OVERVIEW

Autism spectrum disorder (ASD) is a developmental disorder that leads to distinctive social, communication, and behavioral strengths and challenges. A diagnosis of ASD now includes what used to be a few separate autism diagnoses: autistic disorder, pervasive developmental disorder not otherwise specified (PDD-NOS), and Asperger syndrome. ASD is a spectrum disorder, which means that each person with autism has a unique set of strengths and challenges.

According to the Diagnostic and Statistical Manual of Mental Disorders (DSM-5), a guide created by the American Psychiatric Association for diagnosing psychological disorders, people with ASD show:

• Difficulty communicating and interacting with other people

• Highly specific interests and repetitive behaviors

• Symptoms that affect the person’s ability to function in school, at home, and in other areas of life

Symptoms for ASD generally appear by age 2 or 3, and it can be diagnosed as early as 18 months. While research shows that early intervention can lead to positive outcomes later in life, many children are diagnosed at a much later age. The first step to supporting a child showing signs of ASD is identification. Some early signs of ASD can include little to no babbling or noise-making, delayed language development, little to no response to name, or avoiding interactions like eye contact, back-and-forth exchanges, and gesturing.

SUPPORT STRATEGIES

Educators can implement a variety of strategies to support a positive experience for children with ASD in their learning environment.

• If the child already has an Individualized Family Service Plan (IFSP) or Individualized

coordinate with the intervention

• Provide structured routines, transitions, and environments.

• Display a daily schedule with pictures of routines and activities.

• Use visual cue cards during transitions and routines to help the child predict next steps.

• Let the child know ahead of time that a transition is coming.

• Gradually increase the time the child is expected to remain on task during learning activities.

• Create, read, and discuss personalized “social stories” or “teaching stories” with the child to help them prepare for or cope with various situations.

• Create verbal and nonverbal communication opportunities.

• Create and use picture cards to cue transitions and routines.

• Create a communication book — with pictures of items or activities the child enjoys or may need to communicate about — that the child can use to communicate with others.

• Offer wait time for the child to verbalize ideas or requests.

• Read familiar, repetitive books and provide opportunities for the child to fill in the blanks.

• Limit the time spent with desired items and activities so that the child is motivated to request them again.

• Support positive social interactions.

• Use first-ten boards and cue cards to support the child while engaging in turntaking activities.

• Model, prompt, and reinforce appropriate responses to common greetings and interactions.

• Create and repeatedly read social stories with the child. Include pictures along with descriptions of activities, others’ feelings, and directives about how the child can respond in the situation.

Source: NNPA By Jason Roberts

Beyond the S'mores: Your Essential Guide to Must-Have Camping Supplies

Camping. The word itself conjures images of crackling campfires, starlit nights, and the invigorating scent of pine. It’s an escape from the daily grind, a chance to reconnect with nature, and an opportunity for adventure. But a truly memorable camping trip isn't just about the destination; it's about being prepared. The right gear can transform a potentially uncomfortable or even perilous experience into an unforgettable journey.

Before you even think about packing that extra bag of marshmallows, let's dive into the absolute must-have supplies that form the foundation of any successful camping expedition.

SHELTER:

First and foremost, you need a reliable place to sleep and take refuge from the elements.

• Tent: This is your primary shelter. Choose a tent that's appropriate for the number of people and the expected weather conditions. Consider its packed size and weight if you're backpacking. Look for features like good ventilation, a waterproof rainfly, and sturdy poles.

• Sleeping Bag: Your sleeping bag needs to match the lowest temperatures you anticipate. Sleeping bags are rated by temperature, so pay close attention to this detail. A summer bag won't cut it in nearfreezing conditions.

• Sleeping Pad: Don't underestimate the importance of a good sleeping pad. It provides insulation from the cold ground and significantly improves comfort. Options range from basic foam pads to self-inflating and air mattresses.

• Pillow (optional but recommended): While you can fashion a makeshift pillow from clothes, a small camping pillow can make a world of difference for a good night's sleep.

COOKING & SUSTENANCE:

Even if you plan to "rough it," you still need to eat!

• Camp Stove & Fuel: Unless you're relying solely on campfire cooking (which isn't always feasible or allowed), a portable camp stove is invaluable.

• Cookware: A basic set of pots, pans, and a kettle designed for camping is essential. Look for lightweight, durable materials.

• Eating Utensils & Plates/Bowls: Reusable options are more environmentally friendly than disposable ones. A "spork" can be a great space-saver.

• Cooler: Essential for keeping perishable food and drinks fresh, especially on longer trips.

• Water Bottles/Hydration Reservoir: Staying hydrated is paramount. Carry enough water for your activities and consider a water filter or purification tablets for extended trips where you'll need to source water.

• Non-Perishable Food: Think pasta, rice, canned goods, dried fruits, nuts, and energy bars. Plan your meals in advance.

• Biodegradable Soap & Sponge: For cleaning dishes.

• Trash Bags: Pack out everything you pack in! Leave no trace.

NAVIGATION & SAFETY:

Safety should always be a top priority.

• First-Aid Kit: A well-stocked first-aid kit is nonnegotiable. Include bandages, antiseptic wipes, pain relievers, blister treatment, any personal medications, and insect bite relief.

• Headlamp/Flashlight & Extra Batteries: The wilderness gets dark. A headlamp allows handsfree operation.

• Map & Compass/GPS: Even if you have a smartphone with GPS, always carry a physical map and compass and know how to use them. Batteries die.

• Multi-Tool/Knife: Incredibly versatile for various tasks, from opening cans to making minor repairs.

• Fire Starter: Waterproof matches, a lighter, or a ferro rod. Even if you don't plan a campfire, it's a vital survival tool.

• Whistle: For signaling in an emergency.

• Sunscreen & Insect Repellent: Protect yourself from the elements and pesky critters.

• Bear Canister/Bag (if applicable): In bear country, proper food storage is crucial to protect yourself and

CLOTHING:

The key to comfortable camping clothing is layering.

• Moisture-Wicking Base Layers: Help regulate body temperature by wicking sweat away from your skin.

• Insulating Mid-Layers: Fleece jackets or down vests provide warmth.

• Waterproof & Windproof Outer Layer: A good quality rain jacket and pants are essential to stay dry and protected from wind.

• Hiking Boots/Sturdy Shoes: Appropriate footwear for the terrain you'll be covering.

• Socks: Wool or synthetic socks are best for preventing blisters and managing moisture.

• Hat & Gloves: Even in warmer weather, evenings can get chilly. A hat also provides sun protection.

MISCELLANEOUS ESSENTIALS:

• Camp Chairs/Table (for car camping): Significantly enhances comfort at your campsite.

• Rope/Cord: Useful for clotheslines, tying down tarps, or minor repairs.

• Duct Tape: The ultimate fix-all!

• Toiletries: Toothbrush, toothpaste, toilet paper, hand sanitizer.

• Portable Power Bank: To charge your phone or other small electronics (use sparingly).

• Camp Lantern: Provides ambient light around the campsite.

PLANNING IS KEY

Beyond the gear, remember that thorough planning is itself a "must-have." Research your campsite, check the weather forecast, inform someone of your itinerary, and understand any local regulations (like fire restrictions).

Camping is a fantastic way to disconnect from the digital world and reconnect with yourself and nature. With the right supplies and a bit of foresight, you'll be well-equipped to create lasting memories, whether you're a seasoned outdoors enthusiast or embarking on your very first wilderness adventure. So pack smart, stay safe, and enjoy the great outdoors!

5 FINANCIAL MOVES TO MAKE RIGHT NOW 4 TIPS TO TAKE CONTROL OF YOUR $AVINGS

hether you’re newly graduated or well into your career, CERTIFIED FINANCIAL PLANNER® professionals say you should make these five financial moves right now:

1) CREATE A BUDGET.

Research finds that 83% of Gen Z-ers and millennials have experienced regret about their spending decisions. Crafting a budget means making mindful choices about how you spend your money, which can eliminate financial stress. However, if the term “budget” fills you with dread, try calling it a “spending plan” instead. The important thing is to get started and find a process that works for you.

2) BUILD AN EMERGENCY FUND.

According to the Federal Reserve Board, only 55% of Americans had three months’ worth of expenses in emergency savings in 2024. In the event of an unexpected expense, such as hospitalization or home repairs, a rainy-day fund can save you from accumulating debt or dipping into retirement savings. A CFP® professional can help you adjust your budget to divert savings into an emergency fund to cover at least three to six months’ worth of fixed expenses.

3) START SAVING FOR RETIREMENT NOW.

It’s never too early to begin saving for a comfortable retirement. If your employer offers a retirement savings plan, sign up for it now and put as much in as you can, especially if your company offers matching contributions. You don’t need an employer-sponsored plan to save for your golden years, though. Traditional IRAs and Roth IRAs are also good vehicles for retirement savings.

4) TAKE A BIG-PICTURE APPROACH.

From paying down debt and growing your investments to managing taxes and insurance, reviewing your overall financial picture can help you reach your personal goals. That’s where the help of a financial advisor who has your best interests in mind comes into play. A CFP® professional can serve as a financial coach, integrating the many components of your financial plan and providing valuable advice at any stage of your life.

5) DON’T MAKE A MOVE.

It may sound counterintuitive, but once you’ve charted a financial path, sometimes you should simply leave it alone. According to financial experts, historically speaking, world events and the volatility of the market are not reasons to rethink your investment strategy or rewrite your game plan. However, tweaking your plan to accommodate changing personal circumstances is important.

To hire a CFP® professional, visit www.LetsMakeAPlan.org.

These five financial moves will create the foundation for a strong financial future. A financial planner can help you start strong and reach your money goals.

Source: StatePoint

aving money is a critical financial practice that nearly everyone strives to accomplish. Yet, it is often easier in theory than reality. If you are anxious or concerned about your financial situation and your ability to save, know you’re not alone.

More than one-third (36%) of the general U.S. population feels anxious about their current financial situation. Further, many households across the country do not feel in control of their finances, with 11% reporting they’ve “forfeited contributions to their retirement accounts,” potentially impacting themselves later in life. These figures from the World Financial Group paint a concerning picture of how people across the country feel about their current and future finances.

Consider these savings tips.

1. CREATE A BUDGET

Every budget begins with your net income. Ensure you subtract deductions like taxes, workplace benefits, insurance or retirement plan contributions. This way, you know exactly how much money is available each month. Next, calculate all fixed expenses, including regular monthly payments or bills. These include utilities, cellphone bills, rent or mortgage, vehicle payments and anything that remains static month-to-month. Subtract those fixed expenses from your net income to create your monthly budget.

2. TRACK YOUR EXPENSES

Once your budget is in place, it’s much easier to keep track of expenses that vary monthto-month, like gas, groceries and entertainment costs such as dining out, seeing a movie or going to a sporting event. Tracking minor expenses may seem tedious initially, but logging each purchase can help set a foundation for financial accountability.

3. SET SAVINGS GOALS

Tracking your expenses for a few months should give you a good idea of how realistic it is to save a set amount of money each month. Before you set a goal, or if you’re struggling to consistently reach savings goals, take a financial literacy quiz to test your knowledge and then consider meeting with a financial services expert.

4. PAY DOWN DEBTS

Debt is one of the largest barricades people face when trying to save more money. If you feel debts are stopping you from reaching your financial goals, know it is possible to pay off debt while saving at the same time. Make sure to prioritize debts with higher interest rates that lead to compounding costs in the future and then, if possible, make more than the minimum payment to pay them off faster. It may limit you in the short-term but can equate to more financial freedom – and the ability to save more – in the future.

Find more expert savings advice and test your financial literacy by visiting WorldFinancialGroup.com Source: Family Features

B5 Ways to Be Environmentally Conscious at Home

By d-mars.com News Provider

using energy-efficient lightbulbs and appliances can help reduce your carbon footprint and save you money in the long run.

3) SAVE WATER:

eing environmentally conscious doesn’t have to be complicated or expensive. In fact, by making simple changes to your daily routine, you can make a positive impact on the planet while also saving money and living a more sustainable lifestyle.

Consider these practical ways to reduce your carbon footprint and protect the planet for future generations right from the comforts of your own home.

1) REDUCE, REUSE, RECYCLE:

his classic mantra is still relevant today. By reducing the amount of waste you produce, reusing items whenever possible and recycling materials like paper, plastic, and glass, you can help minimize the amount of trash that ends up in landfills and oceans. Composting food scraps and avoiding single-use plastic items like water bottles and shopping bags can also help reduce your impact on the environment.

2) CONSERVE ENERGY:

One of the biggest contributors to climate change is the burning of fossil fuels for energy. Simple steps like turning off lights when you leave a room, unplugging electronics when they’re not in use, adjusting your thermostat to save on heating and cooling costs, and

Go Green with Home Cleaners

Water is a precious resource, and it’s important to use it wisely. Simple actions like fixing leaky faucets, taking shorter showers, using the dishwasher or washing machine only when full, and watering your garden in the early morning or late evening can help conserve water and protect the water supply. You can also install low-flow shower heads and toilets to further reduce water usage.

4) CHOOSE SUSTAINABLE PRODUCTS:

When shopping for household items, look for products made from sustainable materials that are biodegradable or recyclable. Choosing products with minimal packaging or opting for eco-friendly alternatives can help reduce waste.

5) GROW YOUR OWN FOOD:

If you have the space, consider starting a small garden at home. Growing your own fruits, vegetables and herbs allows you to enjoy fresh, organic produce while also reducing the carbon footprint of your food by cutting out the transportation and packaging involved in store-bought produce.

Source: Family Features

If you’re among those looking for ways to clean your home while also going green, it may be easier than you think.

Consider these easy and affordable solutions to help you live more environmentally friendly. You may be surprised to find you already have many of these household products on hand.

BAKING SODA

A natural, safe, effective, and gentle solution, baking soda can serve multiple home cleaning needs. Make a paste of three parts baking soda to one part water. Rub onto silver with a clean cloth or sponge. Rinse thoroughly and dry for shining serving or decor pieces. Additionally, you can sprinkle baking soda on upholstery and carpet to get rid of odors.

VINEGAR

With the acidity to help get rid of dirt and grime around the home, vinegar can be used to clean cloudy glassware. Simply soak paper towels or a cloth in full-strength white distilled vinegar and wrap around both the inside and outside of the glass. Let sit before rinsing clean. To remove lime deposits on your tea kettle, add 1/2 cup distilled white vinegar to the water and let it sit overnight. In the morning, boil the vinegar for a few minutes then rinse with water.

LEMONS

With a fresh, natural smell, lemons have the acidity to remove soap scum, clean and shine brass and remove hard water deposits. Just spray some lemon juice on tile surfaces to remove soap scum or hard water deposits. Squeeze lemon juice on a cloth and use to polish brass around the home.

HOUSEPLANTS

Plants serve as natural air purifiers. African violets and ferns are beautiful ways to help clear the air.

Other easy, green ideas for keeping your home clean include opening windows and doors while you clean to improve air quality and taking off your shoes when you come inside, which can help avoid tracking dust, dirt, pollen and more throughout the house.

Source: BrandPoint Content

Ray-Ban Meta Smart Glasses Gen 2: A Look at the Pros and Cons

By d-mars.com

News Provider

The second generation of Ray-Ban Meta Smart Glasses aims to refine the blend of fashion and technology, building upon the original model with significant upgrades. But for all their improvements, do they justify their price tag and place in the smart device market? Here’s a breakdown of their strengths and weaknesses.

THE PROS: WHAT’S TO LIKE?

Upgraded Camera and Audio: The most notable improvement is the 12MP ultrawide camera, which captures high-quality photos and crisp 1080p video at 60fps. The audio system has also been enhanced with better speakers and a five-microphone array, making calls clearer and audio playback more immersive. These upgrades make the glasses a genuinely useful tool for hands-free content creation and communication.

Live Streaming and AI Control: A key new feature is the ability to live stream directly to Instagram and Facebook, offering a first-person perspective for content creators without needing a phone. The integration of Meta AI allows for robust, hands-free voice control. Users can take photos, start videos, make calls, and control music with simple commands, making interaction feel seamless and intuitive.

Improved Design and Battery Life: Meta has made the glasses lighter and more comfortable for extended wear while retaining the iconic Ray-Ban styles. The battery now offers up to four hours of use, and the redesigned charging case extends this to a total of 36 hours, addressing a common pain point for wearable technology.

Tips for Protecting Yourself from DEEPFAKE FRAUD

YTHE CONS: WHAT’S LACKING?

Still No Display or AR: The biggest drawback is the complete absence of an integrated display or any augmented reality (AR) features. You won’t see notifications, navigation, or digital overlays in your field of view. This positions them more as a wearable camera and audio device rather than the futuristic AR glasses many are waiting for.

Privacy Concerns: A discreet, wearable camera inevitably raises privacy issues. While an LED indicator light activates during recording, it may not be obvious to bystanders that they are being filmed. This creates potential for awkward social situations and misuse, a significant hurdle for widespread acceptance.

Ecosystem Limitations and Niche Appeal: The glasses are deeply tied to Meta’s ecosystem (Facebook, Instagram, WhatsApp), which may not appeal to everyone. They still rely heavily on a paired smartphone for most of their functionality and come at a premium price. These factors, combined with the lack of a display, mean the glasses remain a niche product for content creators and tech enthusiasts rather than a mainstream device.

CONCLUSION

The second-generation Ray-Ban Meta Smart Glasses are a significant step forward, excelling as a stylish, high-quality wearable camera with useful smart features. They are an excellent choice for those who prioritize hands-free content capture and seamless audio within the Meta ecosystem. However, the lack of a visual display and persistent privacy concerns mean they fall short of being a true AR experience. They are a sophisticated accessory, but potential buyers should be clear about what they are—and are not—getting.

By d-mars.com News Provider

ou answer the phone and hear a familiar voice, but are you sure you know who it is on the other end of the line? The correct answer should be “no.”

Rapid advancement of artificial intelligence (AI) has armed bad actors with sophisticated tools to enable impersonation fraud using deepfakes. A deepfake can consist of audio, video, or imagery that has either been created or altered using AI. The danger is that with a simple sample of audio or video or even a few images, a criminal can create a deepfake that is almost impossible to detect.

A National Institutes of Health study in 2023 found that

even when individuals were given a warning that one out of five videos for them to review was a deepfake, only 21.6% were able to correctly identify the fraudulent option.

In today’s technological climate, the risks are too high to trust the naked eye to determine truth. Luckily, there are certain things you can do to help reduce your likelihood of getting duped, and they don’t require specialized skills or technical aptitude.

One important one is never assuming that someone contacting you is legitimate, even if they share a seemingly legitimate image or video, have a familiar voice, or come under the guise of someone known and trusted. Creating safe words with close family members and friends is also a good idea. That means you have a secret code word only they know. If the caller doesn’t know it, that is an easy and effective way to identify a fraud.

Just as important if not more than picking out deepfakes, is protecting your identity against being exploited to create a deepfake. Here are some measures that could help mitigate the risk:

Social Media Management: Don’t over-post your face or voice and limit who can view your content by tightening up privacy settings on your accounts.

Watermarks on Images: Consider putting watermarks on imagery you post online to discourage repurposing of it.

Stronger Identity Protection: Subscribe to identity monitoring services that will send alerts if your personal information appears on the dark web where criminals buy and sell stolen credentials.

Limited Voice Exposure: Screen phone calls and only answer when they come from a known number. It’s also recommended to use the factory setting voicemail message rather than recording an outgoing message using your own voice.

Prompt Reporting: If you are contacted by someone you believe is leveraging a deepfake to impersonate a person or brand, report it immediately to that person or brand. They will want to work with the authorities and time is of the essence.

To learn more about tools and techniques to help protect your identity and respond to fraud, visit PNC’s Security & Privacy Center.

Technology is providing criminals more sophisticated technologies to commit fraud, but good, old-fashioned caution and common sense are still the best protection, and that applies to deepfakes, too.

Source: StatePoint

Security You Can Trust

Did You Know?

Judy W. Reed

(or Reid) is often considered to be the first Black woman to receive a US patent. Reed was granted a patent on Sep. 23, 1884 for a “dough kneader and roller,” an improved design on existing rollers that allowed for more even mixed while keeping the dough covered and protected. There are few records of Reed, and she signed her patent with a single “X.”

“EVERY SHUT EYE AIN’T ASLEEP”

This saying can mean a few different things: just because someone isn’t engaged or they’re quiet doesn’t mean they’re not paying attention. Do not misjudge or underestimate someone. Or someone or something isn’t exactly what it seems. While it mostly refers to someone that is still or quiet, in some cases it can be applied to someone who is purposely being rambunctious or innocent to appear non-threatening.

Chicken Noodle Soup Savor the Flavor!

By d-mars.com

News Provider

e’re officially in the throes of fall, and I don’t know about you, but that means we’re also in soup season. Last month, we went with the new-generation pumpkin spice trend, but this month, we’re going with a triedand-true classic: chicken noodle soup.

WBefore you scoff at this or roll your eyes, if you’ve never made a homemade chicken noodle soup, you absolutely have to try it before you write it off as basic. This will sound funny, but if you like chicken, noodles, vegetables, and enjoy eating soup, then you’ll love this. It’s comforting, filling, and delicious. There’s a reason it’s an all-time favorite!

INGREDIENTS

• 2 tbsp. vegetable oil

• Kosher salt (season to preference)

• Freshly ground black pepper (season to preference)

• 2 lb. bone-in, skin-on chicken pieces (preferably a mix of chicken thighs and breasts)

• 8 cups low-sodium chicken stock

• 4 cups cold water

• 2 thyme sprigs

• 1 bay leaf

• 1 small yellow onion, coarsely chopped (about 1 1/4 c.)

• 2 celery ribs, sliced 1/8" thick (about 1 1/4 cups)

• 1 large carrot, peeled, halved lengthwise, sliced 1/8" thick (about 1 cup)

• 6 oz. wide egg noodles

• 1/4 cup finely chopped fresh parsley

COOKING DIRECTIONS:

Step 1

In a large, deep pot over medium-high heat, and heat oil. Season chicken on all sides with salt and pepper, then add to pot skin side down. Cook, undisturbed, until golden brown on one side, about 5 minutes. Turn and cook until golden brown on the other side, about 5 minutes more.

Step 2

Add stock, water, thyme, and bay leaf. Bring to a bare simmer over medium-high heat. Reduce heat to medium-low and simmer until an instant-read thermometer inserted into thickest part of breast registers 165°, 20 to 30 minutes.

Step 3

Transfer chicken breasts to a cutting board. Continue to cook dark meat about 40 minutes more. Transfer dark meat to cutting board and let cool at least 10 minutes. Remove skin and bones and discard. Shred chicken into bite-sized pieces.

Step 4

Meanwhile, discard thyme and bay leaf. Add onion, celery, and carrot and cook over medium-low heat, adjusting heat as needed to maintain a bare simmer and stirring occasionally, until just barely tender, about 5 minutes. Add egg noodles and cook, stirring occasionally, until just al dente, about 5 minutes more.

Step 5

Stir in chicken and pepper; season with remaining 2 tsp. salt, as needed.

Step 6

Divide soup among bowls. Top with parsley and more pepper.

Step 7

Make Ahead: Soup (without noodles) can be made 5 days ahead. Store in an airtight container and refrigerate. To serve, bring soup to a simmer in a large pot, add noodles, and simmer until noodles are al dente, about 5 minutes.