The One Super Bowl Fact You Still May Not Know

(NewsUSA) – Yes, there actually is one important fact that didn’t get the attention it deserves during Super Bowl LI.Both the New England Patriots and the Atlanta Falcons, it turns out, employed team chiropractors to help get them there. As for why, Dr. Michael Miller, the winning Patriots’ longtime team chiropractor, may have the best explanation."We’re all committed to one goal," he says. "That’s keeping the athletes performing at their maximum potential, and preventing and managing injuries as they occur. Most of the players receive (chiropractic) adjustments one to two times per week."Now, no one’s implying that chiropractic care was the deciding factor in who made it to Houston’s NRG Stadium. In fact, every NFL team now uses chiropractors, and — given the sport’s physical intensity — they’re probably even more drawn than the general public to one of chiropractic’s biggest plusses: It’s seen as a safer and more effective alternative to potentially addictive prescription painkillers, which the Centers for Disease Control and Prevention recently urged doctors to avoid prescribing after thousands of deaths linked to their abuse.Doctors of chiropractic are known for their focus on the structure and function of the human body with hands-on techniques that help enhance things like flexibility, muscle strength, and range of motion. With a minimum of seven years of higher education, as the Foundation for Chiropractic Progress’ Dr. Sherry McAllister notes, they’re trained to address a broad range of health issues.Here’s one last bit of Super Bowl trivia: The average pro football team chiropractor provides 30 to 50 consultations and adjustments per week during the season, according to the Professional Football Chiropractic Society.Learn more at F4CP.com

Companies Are Discovering That Pittsburgh Is Good for Business

Five words or less(NewsUSA) – Not long ago we only used cell phones to make calls or send cryptic, short-hand text messages. Now, we rely on our phones for storing our contacts and calendar appointments, watching videos, checking email, managing our connected devices and, of course, keeping up on social media. In fact, phones have become such a crucial part of our lives that many people sleep with them.
So when your phone becomes lost, stolen, or damaged, it can send the most unflappable of us into a panic. Which is why, most industry experts agree, it is worth considering cell phone insurance.
For those who may still be on the fence about cell phone insurance, consider this:
1. Despite monthly premiums and deductibles, insurance can save owners money. The average retail price of a new smartphone is $590; even higher for a basic iPhone 7 ($649). More than 70 percent of phone claims are filed within the first year. This means that customers with phone insurance who file a claim at month 12 on an iPhone 7 can save $318 – $342 on a replacement phone after premiums and deductibles.
2. Most after-market “protection plans” are extended warranty plans which only cover accidental damage and malfunctions. Only a cell phone insurance and warranty bundle — available through most wireless carriers — covers loss, theft and damage. This is important because one in four phone claims last year were from loss or theft, according to the nation’s leading mobile insurance provider Asurion.
3. Most cell phone insurance programs through wireless carriers include cracked screen repair for smartphones with a lower deductible than what you would pay for a replacement device, and often lower than a consumer would pay to take it to a repair shop.
4. Shoppers now pay the full cost of their phones either up front or in monthly installments. Those who have a loss or theft before they’ve paid off the installments will still have to make the remaining payments. What’s more, without insurance you could be left with both the remaining installments and the payments for a new phone. With a 128 GB iPhone 7 Plus, at 6 months a customer could still owe nearly $700 on their old phone while trying to pay for a new one.
5. For the customer that can’t imagine being without their beloved cell phone, most carrier cell phone insurance programs provide a replacement device the next day. Replacement devices through the major wireless carriers are backed by a 1-year warranty providing shoppers with peace of mind should they have any mechanical or electrical issues.

Estate Plans: You’re Not Doing Anyone a Favor by Avoiding the Subject

Five words or less(NewsUSA) – Do your kids realize just how much money you’re really worth once all your assets are added up?
If they’re anything like the adult offspring surveyed for Fidelity Investments’ “Family & Finance Study,” the answer is a resounding — and rather scary — “no.” In fact, seven out of 10 of them underestimated their parents’ estate by an average of $278,000.
That’s right, by more than a quarter of a million dollars.
The reason that’s scary — and why it should be a wake-up call for even those with modest estates they hope to pass on to heirs — is simple: It illustrates a breakdown in communications that Kevin Ruth, head of Fidelity’s wealth planning and personal trust, says badly needs addressing through ‘frank conversations” between parents and their adult children.
“Even in the simplest of family situations, conversations that don’t occur frequently and in detail can result in fairly substantial family disagreements and disconnects,” says Ruth. “Establishing an estate plan is your best bet to ensure your loved ones are taken care of in your absence and that your wishes are carried out the way you want.”
In fact, according to the study, the two generations apparently can’t even agree on whether they’ve already had such detailed talks.
Seventy percent of parents surveyed believe they have; more than 50 percent of their children claim they haven’t.
So what are the benefits of an estate plan? Well, among other things, it allows you to:
* Preserve and maintain control over the transfer of your assets.
* Protect your family’s privacy and possibly avoid probate.
* Provide immediate access to liquidity.
* Choose how your beneficiaries will receive assets.
* Designate who’ll execute your wishes even if you’re just incapacitated.
Plus, for those who despise the thought of the government getting any more money than legally required, having a sound estate plan in place could help your heirs avoid needlessly paying certain Federal estate taxes (not to mention state estate and inheritance taxes, depending on local laws).
Ah, but you’re stuck on that $278,000 figure, right?
Actually, given how complicated today’s lives often are — what with stepchildren’s interests to protect, say, and family businesses to pass on — most people, and not just the very wealthy, could do with some solid estate planning. Heck, even distributions from IRAs and Roth IRAs can be tricky if the aim is to “stretch” payments out to beneficiaries, tax-deferred or tax-free, for as long as decades.
Attorneys and tax advisors can help you set up an estate plan, and online resources like Fidelity’s Estate Planning Overview provide a good idea of what’s involved. Fidelity customers also have access to its new Estate Planner to more thoroughly prepare and educate themselves for a meeting, right down to details like organizing documents and choosing lawyers.
As for why parents and their children may be reluctant to discuss the subject, Ruth has an explanation: “It’s human nature to avoid thinking about one’s own mortality.”

Local Community Newspapers Go Digital

Five words or less(NewsUSA) – Do your kids realize just how much money you’re really worth once all your assets are added up?
If they’re anything like the adult offspring surveyed for Fidelity Investments’ “Family & Finance Study,” the answer is a resounding — and rather scary — “no.” In fact, seven out of 10 of them underestimated their parents’ estate by an average of $278,000.
That’s right, by more than a quarter of a million dollars.
The reason that’s scary — and why it should be a wake-up call for even those with modest estates they hope to pass on to heirs — is simple: It illustrates a breakdown in communications that Kevin Ruth, head of Fidelity’s wealth planning and personal trust, says badly needs addressing through ‘frank conversations” between parents and their adult children.
“Even in the simplest of family situations, conversations that don’t occur frequently and in detail can result in fairly substantial family disagreements and disconnects,” says Ruth. “Establishing an estate plan is your best bet to ensure your loved ones are taken care of in your absence and that your wishes are carried out the way you want.”
In fact, according to the study, the two generations apparently can’t even agree on whether they’ve already had such detailed talks.
Seventy percent of parents surveyed believe they have; more than 50 percent of their children claim they haven’t.
So what are the benefits of an estate plan? Well, among other things, it allows you to:
* Preserve and maintain control over the transfer of your assets.
* Protect your family’s privacy and possibly avoid probate.
* Provide immediate access to liquidity.
* Choose how your beneficiaries will receive assets.
* Designate who’ll execute your wishes even if you’re just incapacitated.
Plus, for those who despise the thought of the government getting any more money than legally required, having a sound estate plan in place could help your heirs avoid needlessly paying certain Federal estate taxes (not to mention state estate and inheritance taxes, depending on local laws).
Ah, but you’re stuck on that $278,000 figure, right?
Actually, given how complicated today’s lives often are — what with stepchildren’s interests to protect, say, and family businesses to pass on — most people, and not just the very wealthy, could do with some solid estate planning. Heck, even distributions from IRAs and Roth IRAs can be tricky if the aim is to “stretch” payments out to beneficiaries, tax-deferred or tax-free, for as long as decades.
Attorneys and tax advisors can help you set up an estate plan, and online resources like Fidelity’s Estate Planning Overview provide a good idea of what’s involved. Fidelity customers also have access to its new Estate Planner to more thoroughly prepare and educate themselves for a meeting, right down to details like organizing documents and choosing lawyers.
As for why parents and their children may be reluctant to discuss the subject, Ruth has an explanation: “It’s human nature to avoid thinking about one’s own mortality.”

Food, Fuel, and Finance … The 3Fs of Economics

(NewsUSA) – Nearly half of U.S. high school students say they do not know how to establish good credit and more than one-fourth believe they will be unprepared to manage their finances upon graduation. This is according to recent research that reveals a lack of financial literacy among American youth.But teachers and schools can now turn to a dynamic interactive learning module, Foundations of Finance, to introduce students to fundamentals of personal finance, such as saving, applying for student loans and buying a car, among other features.The module — one of three aligned with the Council for Economic Education’s standards for economics — is offered by CME Group, the world’s leading and most diverse derivatives marketplace, and Discovery Education, the leading provider of digital content and professional development for K-12 classrooms.Foundations of Finance also presents students with fundamentals of economics using real-world scenarios, interactive components, embedded assessments, and accompanying Educator Guides.The Foundations of Finance module is part of an Econ Essentials trio of standards-aligned educational modules that includes: The Facts About Food, which lets students take a journey from "farm to table" by serving as an advisor to a farm, and Fueling the Future, which challenges students to start a shuttle business.In The Facts About Food module, students learn how the supply chain and other global factors influence supply and demand. They also explore the role of economics in food prices as well as what influences food prices.With the Fueling the Future module, students learn about supply and demand by discovering how and why gas prices fluctuate and the impact of changing gas prices on their daily lives. Students apply their knowledge to set a ticket price for their business to determine if they make a profit.Teachers find that the Econ Essentials educational program helps their students learn fundamental economic principles in an engaging, digital environment."Students become equipped to make wise decisions in both their public and private lives, and also grow such important skills as critical thinking, problem solving, media and information literacy," says Jackie Prester, business and technology teacher at Mansfield (Mass.) Public Schools.More information about Foundations of Finance and the food and fuel models are available at http://www.econessentialsinschool.com

Get An Edge on College Prep Tests

Five words or less(NewsUSA) – The college application process and the college prep testing that goes along with it can be overwhelming for students and families. Tests such as the SAT and ACT are an important element of the application process, and therefore a source of anxiety. However, only about 30 percent of public schools have an advisor dedicated to college prep.
An outside organization offering test prep courses, such as Sylvan Learning, can make a significant difference in test preparation. More than 15,000 students benefit from Sylvan’s test prep programs each year with higher test scores, and even some perfect scores, according to the company.
“Students need someone to help them navigate through this very confusing process and Sylvan Learning’s prep programs are a valuable resource for that,” says Anathea Simpkins, Sylvan Learning’s Director of College Prep Products.
Since the debut of the revised SAT in March 2016, Simpkins says, she has noticed that more students have trouble with the math section in which calculators are not allowed. The “Words in Context” items in the reading and writing sections also pose a frequent challenge for students. Sylvan has adjusted its SAT and ACT prep programs to focus on these challenging areas and help give students the edge they need, Simpkins notes.
Tips for success on the new SAT include:
*Read more. The new SAT includes word problems in math, passages in writing, and text to be read before composing an essay. In addition, several items may be based on one passage, and failure to read effectively could impact several answers.
*Focus in class. Much of the SAT comes from sources used in the classroom. Many passages in the reading and math sections draw from the context of social studies and science, so it is important to pay attention in all subject areas, recognize connections, and apply familiar concepts to new ideas.
*Know your tough spots. An initial diagnostic test can show where a struggling student needs help, so these skills can be a top priority during test prep sessions.
Sylvan Learning takes on the challenges of college prep tests by identifying the skills needed to succeed in each section. Each chapter of a Sylvan program includes robust practice and a unique online component, SylvanPrep.com, which provides thousands of video-based lessons for additional practice and support that is especially useful in a student’s problem areas.
Visit sylvanlearning.com/prep for more details about Sylvan Learning’s college prep programs.

Sauces for the Win: Why They’re A Hit At A Party

Five words or less(NewsUSA) – It’s that time of year again–the time when families and friends come together to celebrate with food and open arms. That’s right, it’s almost playoff season, with football, basketball, and hockey playoffs all just around the corner.
With these highly anticipated games come the equally anticipated snacks–from chips and dip to wings and hot sauce. In fact, a lot can be said from people’s usage of dips and sauces, and that usage has increased over the past year.
According to a survey by the Association for Dressings & Sauces, the reasons for using dips and sauces more often include: making more or new foods that need them, using them on more foods or as a healthy option with healthy foods, and cooking or eating at home more. So satisfy your craving for the perfect mid-game snack and bring them to parties in new and creative ways.
Here are a couple of tips that will help you pick the perfect recipe for your friends:
* Survey results show that Asian sauces, horseradish, hot and Mexican sauces are more popular than they were last year, with hot sauce and mustard being used several times a week by the majority of respondents. So go exotic and use bold flavors in your dishes!
* Geography also has something to say about what you should bring to a gathering. People in the Northeast reported a greater affinity for horseradish. Folks in the Midwest loves barbecue sauces. Asian sauces and hummus are more popular in the West and the South is all about hot sauce.
These tips should get your creative juices flowing so you can bring a tasty and unique contribution to whatever playoff party you’re attending. Should you need a little recipe inspiration, however, check out some dishes at www.dressings-sauces.org/recipes.

New Cancer Treatment Continues to Progress By Filing for Orphan Drug Status

Five words or less(NewsUSA) – Sponsored News – It takes a lot to get a drug to market.
First there are reams of applications to submit to the Food and Drug Administration (FDA), years of documented research, various trial phases, and a litany of other hoops to jump through that make the process daunting, albeit ultimately worthy.
Consider this: global spending on cancer medicines topped $107 billion last year, and is expected to reach $150 billion by 2020. Over the past decade our understanding of how different cancers evade the immune system has grown exponentially. Likewise, in the past decade the number of potential cancer medicines in mid- to late-stage clinical studies has grown 63 percent to 586, involving more than 500 companies.
For those companies that choose to focus on orphan diseases — that is, those conditions deemed rare — applying and gaining an orphan drug designation could pave an easier path for gaining market approval.
For Propanc Health Group (OTCBB: PPCH), filing for orphan medicinal product designation (OMPD) in Europe for pancreatic cancer for PRP, an anti-cancer compound, means that it is one step closer to bringing a cure for certain types of cancer to patients who desperately need it, as approval requires evidence showing a significant clinical benefit over available therapies.
“This is an important step for Propanc and supports our plans for developing PRP as a treatment solution for aggressive, fast-spreading solid tumors,” says James Nathanielsz, Propanc’s chief executive officer. “Pancreatic cancer is an area where there is an urgent need for viable solutions and we remain determined to bring to market what could become a target and safer treatment approach, which we hope will meaningfully extend patient lives.”
The European Union grants OMPD status to products which treat rare diseases, providing a range of incentives to sponsors developing drugs or biologics such as fee waivers and a 10-year market exclusivity period (post-authorization).
PRP is a naturally derived proenzyme formulation that seeks to halt cancer progression and spreading by eradicating cancer stem cells (CSC) while leaving normal stem cells unaffected.
Experiments were conducted using isolated CSCs from patients, comparing the behavior of the cells pre- and post-treatment with PRP by examining the genetic pathways that control the cells.
In short, the data indicates that the dramatic reduction of cellular markers associated with the process of epithelial-mesenchymal transition as a consequence of PRP treatment could not only reverse the EMT process with the implication to stop tumor growth and metastasis, but also potentially suppress the development of CSCs.
Visit www.propanc.com for more information about the company and its work.

Many Working Mothers Can’t Afford Their Health Insurance Deductibles

(NewsUSA) – Sponsored News – Working mothers have a lot on their plate. In addition to their professional responsibilities, they are often in charge of numerous household decisions, including choosing their family’s health care plan. However, nearly half (49 percent) of working mothers would not have enough money to cover their health insurance deductible if they needed to do so today, according to a recent survey from Aflac and Working Mother magazine.When working mothers cannot afford the costs of an unforeseen medical emergency, these tragedies can quickly drain a bank account. So it is no surprise that more than half (54 percent) of working mothers surveyed have had to divert funds away from family vacations, date nights, holiday and birthday gifts — or even children’s college funds — to help cover medical expenses. As a working mom, if you make health care benefits decisions, below are three things to keep in mind that can help protect your family’s financial health:1. Expand coverage with voluntary benefits to protect your financial futureVoluntary insurance policies supplement major medical insurance to offer extended protection and peace of mind. Although the survey shows that dental, life and vision insurance are the most popular benefits among working mothers, it is wise to consider voluntary products such as critical illness, accident and short-term disability insurance, which provide financial protection if a more costly illness or injury were to occur.2. Make the most of your paycheck with a tax-free health savings account (HSA)HSAs are employer-provided saving accounts that allow employees to contribute pre-tax funds to cover future out-of-pocket medical costs. Having money in an HSA can help working mothers avoid having to take money out of their own savings accounts to pay for medical bills.3. Consult with a professionalScheduling a one-on-one meeting with a financial adviser or benefits expert can help ensure that benefits are tailored to a family’s specific needs. Some employers even offer these services free of charge.Family free time should include events such as playing at the park or enjoying a child’s sports game, not worrying about the financial consequences of a medical event. Being prepared is the best way to keep health care costs from placing a burden on family finances and fun.To learn more about the Aflac + Working Mother Survey or to find additional information on the benefits of voluntary insurance, visit aflac.com/workingmother

Combat Out-of-Pocket Costs With Cancer Insurance

(NewsUSA) – It’s being called "a game-changer" – and for good reason. Tens of millions of Americans seeking chiropractic care are now routinely covered by major medical plans, Medicare, workers’ compensation, and even some Medicaid plans. Studies have shown that chiropractic reduces costs per episode of care by as much as 40 percent. And with more than $700 billion spent dealing with musculoskeletal disease in 2011 alone, that kind of savings – along with chiropractic care’s higher reported patient satisfaction – should be applauded.Watch the video here: https://youtu.be/iM2WG1JZDsU