Don’t Make These Mistakes after A Collision

(NewsUSA) – In the U.S. alone, there are 10 million car accidents every year, and the tense moments following a car accident, even a minor one, can be scary and stressful for everyone involved.Drivers and passengers can feel confused and unsure of what to do. Even the most experienced and seasoned drivers can make basic mistakes after they have been involved in a traumatic event.Simple, avoidable mistakes could cost you time and money, or lead to personal, medical and legal issues.Here are some of the most common mistakes to avoid after a collision:* Fleeing the scene: Leaving the scene of an accident could land you in serious legal trouble. You may be in shock, but the most important thing to do is stay where you are.Check on your passengers, and once you exit your vehicle, check with the other driver involved in the accident.Try to remain calm and wait for law enforcement to arrive on the scene. If it is safe to do so, use your cell phone to take photos of your vehicle to document the damage that resulted from the accident while you wait for police.* Not reporting the accident:Even if it’s just a minor collision, always report the accident to the police. Never let someone convince you to avoid calling the police.If you decide to make a claim with your insurance company later on, or if you decide to pursue a legal claim, not reporting the accident could hurt your case.* Exchanging too much information: Do not share your driver’s license or who was at fault with the other driver; however, share this information with the police along with your current insurance.Always exchange contact information with the other driver, get contact info from any witnesses, and obtain full insurance details from other drivers involved in the accident.Make sure accurate information is included in the police report, and ask for a copy of the report to edit any incorrect information.* Failing to get medical advice: You may think that you were lucky enough to escape injury, but you should always get a medical checkup after a car accident, especially if you hit your head.Remember, only a medical professional can rule out possible head trauma and other serious injuries.* Having your vehicle repaired at just any shop: You might have to make a decision on-the-spot as to where to have your vehicle repaired. Don’t make a panicked decision when it comes to your safety.Visit to find a Gold Class shop that has collision repair professionals with up-to-date training contributing to complete, safe and quality repairs. 

How to Keep Your Health in Check This Holiday Season

(NewsUSA) – The holidays are known for taking a toll on our bodies . Between the chilly temperatures, onset of flu season and the overabundance of sweet treats at every turn, it’s easy for physical health to fall to the wayside.And, with the excitement of the holidays many forget to take into account the emotional and mental toll that the winter season’s stressors can have on our overall wellness.One way to manage and keep track of your health during this time of year is through wearable devices and engaging with wellness programs, which may offer members a way to earn rewards with healthy activities. Through apps like Go365 by Humana, which is available to employers and groups across the country, rewards can be redeemed to purchase e-gift cards, fitness devices, apparel, charitable donations and product discounts.As the holidays kick into full gear, it’s important to prioritize your health so you can start 2019 off in health and happiness. Below are our top three tips to help you stay well this winter.1. Stay current on your exams, screenings and vaccinations. Ask your doctor what exams and vaccinations you need and when to get them – and make time to do so. A rewards program can help incentivize and drive you to stay up-to-date on these important appointments. In addition to getting your screenings and vaccines, wash your hands often to help avoid the spread of germs.2. Manage stress. Support your mental health through exercises that help relieve anxiety and worry, such as mindfulness, meditation and journaling. Many wellness rewards apps offer personalized meditation, mindfulness experiences and journaling exercises, which are designed to help improve your mental and emotional well-being.3. Eat well and stay active. It’s easy to overindulge during the holidays, but try to limit unhealthy foods as best you can: eating nutrient-rich foods can help you manage your energy levels and boost your mood.And don’t forget to stay active throughout the holiday season. Step challenges with family and friends can help you stay on track and connect socially with others who are working towards the same goal.The holidays are a perfect time of year to enjoy time with friends and loved ones. But they are also a great time to celebrate and protect your well-being. Improving and maintaining your health is a journey, and Humana and Go365 aim to support members in reaching their goals, no matter the time of year.To learn more about how Go365 guides individuals on their journey toward better well-being, go to You can also find us on Facebook, Twitter, Tumblr, YouTube and Facebook.

Ease Gift-Giving Anxiety with This Simple Tip: Ask a Bookseller

(NewsUSA) – Between the planning, gift-buying and parties, the holidays can be a stressful time.In fact, holiday stress is so pervasive that the American Psychological Association has a full resource center dedicated to the topic. In a section called Dealing with the pressure of gift-giving, the Association gives recommendations ranging from taking care of yourself with rest and relaxation to keeping a holiday to-do list.And even though many people do keep a list of those they need to get gifts for, there’s still anxiety that goes along with that, for good reason.According to a survey by Barnes & Noble of nearly 1,000 of its booksellers, customers in their stores have the hardest time shopping for people they don’t know well, like co-workers, distant relatives, and friends’ children.As hard as it may be to shop for others, there is an often-overlooked resource: the store associates you see every time you go shopping.This survey found that it usually takes less than 10 minutes for a Barnes & Noble bookseller to match a shopper with the perfect book.Case in point – we asked four Barnes & Noble booksellers to make a gift recommendation based on just a little bit of information about the recipient.* For the thrill-seeker: Buying for someone who is always looking for the next good page-turner? Barnes & Noble bookseller Bill Gibson recommends James Patterson’s latest, Target: Alex Cross."This thriller keeps you moving, and as always with any James Patterson book, there’s a twist that boggles your mind," Gibson says.* For the lit-lover: Barnes & Noble bookseller Jennifer Welsh knows a thing or two about books, being an avid reader of fiction. What is her recommendation for a great, but thought-provoking read this holiday season?"Fans of Barbara Kingsolver have been waiting years for her next work of fiction, and newly released Unsheltered is everything they’ve been waiting for – a smart read that combines history, science, and politics with family dysfunction," Welsh says. "Barnes & Noble is offering an exclusive version of Unsheltered, where Kingsolver shares her historical research and inspirations for this novel, as well as a provocative essay on the challenges we all face in the future."* For the Harry Potter fans: Have a niece or nephew who loves all things Harry Potter? Bookseller Renata Borka can point you to the latest Harry Potter books and accessories."We have an amazing assortment of everything Harry Potter – books, wands, LEGO products," Borka says. "For your Harry Potter fan, we are the place to shop."* For the political junkie: For people who love politics, bookseller Carlos Morales points to a new book by acclaimed historian Doris Kearns Goodwin, Leadership: In Turbulent Times.According to Morales, "this is the perfect gift for the history buff. For someone who is a fan of Kearns Goodwin’s Team of Rivals or Lyndon Johnson and the American Dream, this is a great follow-up."In the end, the holidays may always be a little stressful. Asking for help can go a long way in easing the burden. 

No Arms, No Legs, No Worries

Five words or less(NewsUSA) – One might not think that someone with no arms and no legs could swim, much less scuba dive, but with the help of one non-profit organization based in the Chicagoland area, children, veterans and people of all abilities around the world can benefit from zero gravity and scuba therapy.
The Downers Grove-based Diveheart Foundation has been serving individuals with everything from spinal cord injuries and traumatic brain injuries to those on the autism spectrum and with post-traumatic stress disorder.
Since 2001, this 501 C3, volunteer-driven charity has done everything from helping to facilitate cutting-edge scuba therapy research with university medical centers around the country to launching a leading international adaptive scuba training program for scuba instructors, dive buddies and adaptive divers (Diveheart refers to people with disabilities as adaptive divers, not handicapped or disabled divers).
“It’s not about scuba diving,” according to Tinamarie Hernandez, Diveheart Executive Director.
“Diveheart’s ultimate goal is to take the unrealized human potential that exists with individuals with disabilities and create a paradigm shift in their lives,” she says.
“We take Chris in the wheelchair and help him or her become Chris the scuba diver. Now Chris is no longer defined by his or her disability,” she adds.
“Diveheart then helps direct them to activities like coral reef restoration, marine biology and oceanography, giving them focus, purpose and helping them to feel valued while they are learning to become good stewards of the environment.”
Diveheart’s free scuba experience programs reach from coast to coast in the U.S. and are replicated by Diveheart teams as far away as Malaysia.
Researchers from around the country have found that the benefits of scuba therapy and zero gravity underwater range from relief of symptoms caused by post-traumatic stress disorder and chronic pain to increased focus and a sense of well-being in those with developmental disabilities.
Researchers have also discovered that there are big benefits in going deep because the body produces an extra output of serotonin once divers reach 66 feet underwater. However, those with developmental and physical disabilities can benefit from the very first pool session.
Diveheart’s ultimate goal is to secure funding to build a deep warm-water research and training facility so that the benefits of scuba therapy can be replicated in a safe, confined, warm-water environment.
More information on Diveheart and scuba therapy can be found at

The Gift That Tops Parents’ Holiday Wish Lists May Surprise You

(NewsUSA) – The one gift that may secretly top most parents’ holiday wish lists? Help with paying college costs for their kids. A whopping 84 percent of parents surveyed said they’d "welcome" contributions to their 529 college savings accounts in lieu of other traditional presents, according to new data from Fidelity Investments. However, only 29 percent had actually asked for such assistance. What’s holding parents back? Well, maybe they still believe in Santa – good luck with that – or maybe they haven’t heard about programs like the free online one at Fidelity that lets friends and family easily chip in to lessen the burden. And quite a burden it is, given that the College Board’s Trends in College Pricing 2017 listed the average total annual charges (tuition, fees, room and board) of a private four-year college at $50,900, an in-state public four-year college at $25,290, and an out-of-state public four-year college at $40,940. See full-sized image here

How to Succeed in Selling Your Business

Five words or less(NewsUSA) – As a larger proportion of the American population reaches retirement age, the issues of wealth transfer and asset management become even more prominent.
“The largest transfer of wealth in history is now underway, and it is in the form of established operating businesses owned by Baby Boomers,” according to a white paper by C2C Business Strategies, LLC, a business management and consulting organization specializing in business transitions.
Baby boomers and their transition advisors will face several challenges over the next several decades.
Some tips to make the most of the transition include:
– Prep work: Many baby boomer business owners have given little or no thought to the transition process, and they may find themselves unable to sell the business when they want to. Most financial consultants recommend a lead time of three to five years to prepare a business. Meanwhile, as more baby boomers seek retirement, the surplus of businesses available for sale may reduce business values.
– True value: Survey findings of business owners suggest that many overestimate the value of a business because they are basing estimates on projections or future orders rather than the current cash the business is generating.
– Good advice: Baby boomers looking to sell their business can benefit from a skilled transition advisor to guide and direct the process. Advisors can help business owners decide on a realistic price and determine a sale structure that works for both buyers and sellers.
As in the case of a real estate agent negotiating a home sale, a business advisor will find the right buyer for a business and will work with the buyer and seller until the transaction is complete.
Tips for business owners to help ensure a smooth sale include:
– Good housekeeping: Make sure all financial information is current and in order. Time is essential once a business-sale transaction is underway, so don’t slow down the process by scrambling for information.
– Flexible financing: Data show that sellers who accept financing terms receive, on average, 86 percent of their asking price, compared with 70 percent for those who will only accept cash. An advisor can help sellers evaluate financing terms to maximize sale prices.
For more information about transitioning out of a business, visit

Ultimate Life Hack for Managing Your Money after the Wedding Day

(NewsUSA) – While your love may know no bounds for your spouse, things can get a little more tricky when talking about finances.Financial issues are one of the most cited causes of conflicts in a marriage, and financial problems, including debt and disagreement about money management, are among the top issues in divorce as well.Merging your life, including your financial life, with someone else’s can be challenging, but setting up a solid financial plan early in marriage can help preserve harmony and nip money conflicts in the bud. Data from Ameriprise Financial show that at least one-third of couples disagree about money at least once a month on topics including savings and discretionary spending.Fortunately, today’s technology offers new options to help couples navigate shared and individual finances. More American couples now maintain separate bank accounts instead of, or in addition to, joint accounts, and the latest banking apps offer flexibility, security, and ease of use. MovoCash is one example of a digital payment card platform that offers consumers with a variety of financial life hacks as alternatives to traditional banking services. Anyone in the U.S. can open an FDIC-insured MOVO card account that is easy to use and doesn’t require gold-plated credit.MOVO’s easy design offers a simple financial strategy for couples: each partner can open a separate account for immediate spending needs and personal discretionary purchases, and the couple also can maintain a joint account for major expenses such as savings, bills, and home expenses. Purchases and payments can be made quickly and directly from a phone.In addition, funds can be transferred instantly between MOVO accounts, and the system allows for direct deposits to manage incoming paychecks and outgoing payments. The MOVO card can be used anywhere Visa is accepted, so that cuts down on the use of credit cards and the potential debt of credit-card bills. The app helps users track transactions and monitor balances, making it easier to avoid overspending and stick to financial goals while leaving room for each partner’s pleasure purchases.For more information about MOVO’s mobile banking options, visit you married with MOVO? Contact and tell us how you use it, and you have a chance to be featured in a future article.

Steal the Show at Your Next Holiday Party

Five words or less(NewsUSA) – For those who like to wear their holiday spirit front and center, it’s the most wonderful time of the year. But it’s also the season of charity, so why not feel good by making a fashion statement that’s socially conscious as well?
No doubt, there are many sources that sponsor holiday clothing collections, but savvy shoppers can support a variety of causes in a quest to win the Ugly Christmas Sweater Party, or make a splashy holiday statement.
Some strategies to get a smile, while staying warm and comfortable this season and donating to a worthwhile charity, include:
* Sweaters: The Ugly Christmas Sweater has become a must-wear for any holiday party. Those who embrace the sweater party spirit can do something extra this season by browsing ugly holiday sweaters at
Whether you don one nostalgically or ironically, it’s wearable joy and a great way to spark up a conversation. With themes ranging from Grumpy Cat to PacMan, Grinch and Alice in Wonderland, they have plenty of options for your next Christmas party.
If you’re throwing your own Ugly Christmas Sweater party, you may want to consider picking up a couple of extras for guests who dare to show up without one.
iEDM donates 5 percent of its holiday profits to St. Jude Children’s Research Hospital to support its research and treatment, and support families with children undergoing treatment.
* Hoodies: Not feeling the Ugly Christmas Sweater theme??Why not wear an Ugly Christmas Hoodie instead?
These iconic staples to anyone’s wardrobe can be stylish and versatile and be the perfect ensemble to a party.
For a truly unique holiday hoodie, companies such as Epic Hoodie have a wide selection of colorful hoodies and a curated collection that showcases the original work of artists, each of whom receives a portion of every sale.
These Ugly Christmas hoodies are handmade in the United States using eco-sustainable inks and fabrics.
Have a raver on your Christmas list? iEDM has just what you’re looking for with its rave hoodies in all kinds of colors.
* Onesies: If you’re unsure what to wear to your office Christmas Party, why not make the ultimate splash and rock a vivid, comfortable, and eco-friendly adult onesie? Onesielife is a first of its kind, all-over-print streetwear onesie company.
Bonus? All onesies are handmade in the USA, and this retailer donates 5 percent of every purchase to the nonprofit Children’s International, which provides food and services to children in need around the world.
Whatever your need this holiday season – be it an Ugly Christmas Sweater for a party you’re attending or throwing, an Ugly Christmas hoodie to keep warm or wear out, an adult Christmas onesie to be the envy of any event, or a gift for your favorite raver – you can find everything you need here.
To learn more about these unique collections, visit,, and

Junior Achievement Celebrates 100 Years

Five words or less(NewsUSA) – Ask any young person what they want to be when they grow up and you most likely will get lofty answers, such as a pro-football player or a You Tube star. While admirable, it may be worthwhile to temper these expectations and get kids thinking about a Plan B that incorporates their dreams into the real world.
Enter Junior Achievement (JA), a non-profit organization that is celebrating its 100th anniversary.
Since 1919, JA has made it its mission to prepare youth for future jobs by helping young people understand business and finance so that they are “work-force ready.”
Currently, the JA network reaches approximately 5 million students a year in the United States, and 10 million students in total in more than 100 countries.
To understand its current mission, we have to look at the organization’s history, which began as the Boys’ and Girls’ Bureau of the Eastern States League, founded by AT&T chairman Theodore Vail, Strathmore Paper Company founder Horace Moses, and Massachusetts Senator Murray Crane.
Today, JA aims to educate youth with the knowledge and skills to achieve economic success in a variety of ways, whether that means going to college, starting a business, or learning a trade. JA programs are taught by volunteers whose goal is to help students make smart academic and economic choices as they plan for their futures.
According to the organization, “Junior Achievement’s programs – in the core content areas of work readiness, entrepreneurship and financial literacy – ignite the spark in young people to experience and realize the opportunities and realities of work and life in the 21st century.”
JA began in 1919 with a focus on younger students, but shifted focus to after-school programs for high-schoolers who were encouraged to start student-run businesses with guidance from volunteer business advisors in the community.
However, JA expanded its reach to include younger children in financial education in the 1970s.
Project Business, a program aimed at teaching business concepts to middle-schoolers during in-classroom sessions, and Business Basics, a program for elementary school children taught by volunteers from the high school programs, were introduced. By the 1990s, JA had developed in-school programs for grades K-12 in the United States.
JA’s international expansion began in the 1950s with the opening of an office in Canada, followed by the first overseas Junior Achievement-affiliated organization, Young Enterprise (YE), in the United Kingdom in the 1960s. JA Worldwide currently provides volunteer-run programs in countries throughout the world.
“Today, JA is pushing the education envelope with the implementation of blended-learning, augmented reality and project-based programs,” according to a company statement.
Current programs include simulations in which elementary and middle school students have the opportunity to test out making adult financial decisions or manage a town.
In addition, high school students have opportunities through JA to shadow professionals on the job in a variety of fields.
Visit to get more information about the programs, to donate, or to volunteer.

Bed and Breakfasts Give Travel a Personal Touch

(NewsUSA) – Travelers seeking a personal touch and insider stories would do well to consider staying at a local bed and breakfast (B&B).B&Bs "are more intimate, with much more personal attention," says Sharon Scruggs, who operates the Fife and Drum Inn with her husband, Billy. Both are lifetime residents of Williamsburg, Virginia, and provide a unique and in-depth perspective on the history of the area for their guests.The bed-and-breakfast experience offers many other benefits beyond what travelers find in a chain- hotel setting.- Location. Many bed and breakfasts are historic properties, often located in the center of scenic areas.The Fife and Drum Inn has been part of Sharon’s family for generations. The building was constructed in 1933 by her grandfather as a combination of stores with apartments above, and is a short walk to the sights and sounds of Colonial Williamsburg, including the holiday Grand Illumination fireworks display.- Character. Part of the charm of a bed and breakfast is the uniqueness; art, décor, and food are integrated to create a complete experience. For example, the Fife and Drum retains the colonial feel of the area in all its guest rooms. Special features include antique furnishings, elegant four poster beds in some guest rooms, as well folk art and artifacts from the restoration period of the historic area available for guests to enjoy.- Food. Bed and breakfasts don’t shirk the breakfast half of the equation, and the best of them reflect the local cuisine. The Fife and Drum features daily breakfast casseroles based on family recipes to reflect the southern cooking of the area; other items include fresh biscuits, Virginia ham, fruit, and a unique blend of granola to fuel a day of sightseeing.- Customization. Not only do visitors to a bed and breakfast get a unique perspective on the place they are visiting, they have options for special packages not available in other hotel settings. Bed and breakfasts can partner easily with local businesses for a smoothly organized and highly personalized vacation experience.The Fife and Drum Inn offers options such as the Historic Triangle Package that includes three nights at the Inn, breakfasts, and admissions to historic Williamsburg, Jamestown, and Yorktown. Bed and breakfasts also lend themselves to romance. Helpful hosts can design guest packages built around proposals, anniversaries, or just a special getaway.Visit for more details about how a bed and breakfast makes for a memorable travel experience.