The Sentinel: StatePoint Media

Microplastics and our water: What families should know

StatePoint Media - Statistics show if that if you’re not filtering your water the right way, your family is likely consuming microplastics.

An overwhelming 94% of U.S. tap water is contaminated with fragments of plastic pollution called microplastics, and bottled water does not fare much better —microplastics are found in 93% of 11 popular water bottle brands around the world.

Microplastics found in drinking water are not just an environmental hazard — mounting evidence indicates that they are also a potential human health hazard.

When it comes to your family’s health and well-being, don’t take chances.

So what can you do to help make your drinking water safer? Investing in the right water filter is a great start. Be sure to choose one that meets internationally-recognized testing standards and is backed by independent testing. For example, all of LifeStraw’s water filters feature a membrane technology capable of filtering out microplastics and a host of other contaminants, such as bacteria and parasites.

To ensure your family has higher-quality water wherever you go, tackle the problem with this two-pronged approach:

At home: Supply your household with safer water using the LifeStraw Home High-Capacity Dispenser. In addition to microplastics, this sleek, 35-cup dispenser also removes bacteria and parasites, and reduces lead, mercury and chemicals, including PFAS, as well as chlorine, herbicides, pesticides, dirt, sand and cloudiness, while retaining essential minerals.

On the go: Access healthier water when you are at school, work or out and about using the LifeStraw Go Series Water Filter Tumbler. This insulated, travel-sized stainless steel water filter improves taste and protects against contaminants, including microplastics.

To learn more about safe drinking water, as well as efforts being made to improve drinking water around the world, visit lifestraw.com/blogs.

When it comes to your family’s health and well-being, don’t take chances. Simple steps can vastly improve your water supply and reduce your consumption of harmful pollutants.

10 Health recommendations for the new year

Ready to quit smoking in 2025? Ask your doctor for resources and guidance for quitting tobacco and nicotine.

Photo: Lil Artsy/PEXELS

StatePoint - Looking to improve your health in 2025 and beyond? Check out these recommendations from the American Medical Association:

Make nutritional tweaks: Reduce your intake of sugar-sweetened beverages and processed foods, especially those with added sodium and sugar. Drinking sugary beverages, even 100% fruit juices, is associated with a higher mortality risk, according to a study published in JAMA Network Open. Drink water and choose nutritious, whole foods including fruits, vegetables, whole grains, nuts and seeds, low-fat dairy products, and lean meats and poultry.

Get active: A recent study published in JAMA found that putting down the TV remote and going for a walk can improve healthy aging—highlighting the importance of small everyday habits. Adults should get at least 150 minutes a week of moderate-intensity activity, or 75 minutes a week of vigorous-intensity activity.

Get up-to-date: Get your vaccines in advance of respiratory virus season—including the annual flu vaccine and the updated 2024-2025 COVID-19 vaccine for everyone six months and older, as well as pregnant people. People 65 and older and those who are moderately or severely immunocompromised should receive a second dose of the 2024-2025 COVID-19 vaccine six months later.

RSV can be dangerous for older adults. The Centers for Disease Control and Prevention recommend those 75 and older, and 60 and older at high risk for severe RSV, get vaccinated. Immunizations are also available to protect babies from getting very sick from RSV. This is important because RSV is the leading cause of infant hospitalization nationwide.

If you have questions, speak with your physician and review trusted resources, including GetMyFluShot.org. You can also reduce the spread of respiratory viruses by covering coughs and sneezes, frequently washing your hands, wearing masks, improving air quality, and staying home if you are sick.

Get screened: Make an appointment for preventive care, tests and screenings to help your doctor spot certain conditions before they become more serious.

Know your blood pressure numbers: Visit ManageYourBP.org to understand your blood pressure numbers and take necessary steps to get hypertension under control. Doing so will reduce your risk of heart attack and stroke. If checking your blood pressure at home, visit ValidateBP.org to see if your device has been tested for accuracy.

Learn your type 2 diabetes risk: Take a 2-minute self-screening test at DoIHavePrediabetes.org. Steps you take now can help prevent or delay the onset of type 2 diabetes, which carries a higher risk of heart disease, kidney disease and vision loss.

Drink only in moderation: If consuming alcohol, do so in moderation as defined by the U.S. Dietary Guidelines for Americans—up to one drink per day for women and two drinks per day for men, and only by adults of legal drinking age.

Quit tobacco and nicotine: Ask your doctor for resources and guidance for quitting tobacco and nicotine. Declare your home and car smoke-free to eliminate secondhand smoke exposure.

Follow dosage instructions: When taking prescription opioids or other medications, store them safely to prevent diversion or misuse, and properly dispose of any leftover medication. If you’re prescribed antibiotics, take the full course to prevent antibiotic resistance—a serious public health problem.

Manage stress: Good mental health is part of good overall health. Get sufficient sleep (at least 7.5 hours per night), exercise and ask for help from a mental health professional when you need it.

More health resources and tips can be found by visiting ama-assn.org.

“The best way to address the post-holiday doldrums is to do something good for your health,” said Bruce A. Scott, M.D., president of the AMA. “Even small, positive choices you make now can have a big impact on your long-term wellbeing.”

How to avoid fraudsters when you are in financial distress

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StatePoint - Although fraudsters will prey on anyone, many tactics specifically target those facing financial hardship in the wake of a natural disaster.

To help you avoid becoming a victim when you’re most vulnerable, Freddie Mac is providing these tips and insights:

Watch Out for Common Disaster-Related Scams

As the intensity of severe weather events increases, understanding common disaster-related scams can help you avoid them. These include:

High-Interest Loans for Repairs: In this scam, someone may offer to loan you money for home repairs, often at a high interest rate, while you wait for your insurance money. In return, they ask for a post-dated check, your auto title or your tax refund. Although this may provide short-term relief, it’s an example of predatory lending because the high interest rates could end up costing you more in the long term. Read any contract before signing it, and make sure you understand the total cost of the loan, including its terms and fees.

Repair Contractor Prepayment: In this scam, your home repair contractor may ask you to sign a “direction to pay form” that allows your insurance company to pay the contractor directly, even before the repair work is completed. This can leave you vulnerable to incomplete or poor quality work. To avoid this scam, read your contract carefully and do not authorize the full payment amount until you are satisfied with the final product.

Requests for Financial Information: In this scam, a person claiming to be a government employee or disaster relief professional may request financial information, saying they need it to help you recover from a crisis. Protect yourself by never giving anyone your personally identifiable information by phone, email, text or in person without confirming their identity. For example, ask for identification and independently call the entity the person claims to work for.

If You’re Struggling to Pay Your Mortgage, Beware of Fraudsters

If you’re struggling to pay your mortgage after a natural disaster or due to other circumstances and you are facing foreclosure, be on the lookout for two common types of fraud.

Foreclosure Rescue Fraud: In such a scheme, someone may falsely promise to be able to save your home from foreclosure. The fraudster will commonly:

Require you to sign the title to your home over to them.
Ask you to sign unfamiliar documents.
Ask you to share personal information.
Charge you rent to stay in your home.
Offer to pay your delinquent mortgage by purchasing your home.
Promise that you can repurchase your home when your financial situation improves.

Fraudsters orchestrating these schemes pose as professionals and promise to stop foreclosure, often at a high price. However, they don’t deliver on their promises. As a result, you could lose the title to your home and be at risk of foreclosure.

Loan Modification Scams: Loan modification scams may operate similarly to foreclosure rescue fraud. In these scams, fraudsters collect an upfront fee and promise to work with your loan servicer on your behalf. They claim that they can obtain a loan modification that reduces your payments.

If someone other than your loan servicer (the company listed on your mortgage statement) offers you mortgage assistance, don’t provide your information.

If you are struggling with your mortgage payment, contact your lender, a certified HUD housing counselor or a housing finance agency. These trustworthy resources can present you with real options to help avoid foreclosure.

Unfortunately, fraudsters have made it their business to prey on pain. With the right knowledge, you can help ensure that no one takes advantage of you when you’re down on your luck.

Low-level Laser Therapy: A safer alternative to weight-loss drugs

Photo provided

StatePoint - Weight-loss drugs have skyrocketed in popularity because of their quick results and use among celebrities and influencers. J.P. Morgan predicts that by 2030, 30 million Americans will use them.

However, some medical providers say the drugs’ hidden health risks may not be worth their benefits.

“Weight loss is so often prescribed to improve health,” said Dr. Cesar Lara, a board-certified medical bariatric physician. “The irony is that many of today’s weight-loss medications bring forth their own set of serious risk factors.”

Hidden risks

A growing number of weight-loss drug users report side effects including nausea, vomiting, tachycardia, fatigue, depression and suicidal ideation.

And because these drugs are relatively new for weight-loss purposes, questions linger about their long-term impacts.

Lara said patients considering the drugs should know their potential side effects and alternative options.

“I would advise any patient of mine who needs or desires to lose weight to investigate safe options, like low-level lasers, and to understand the risks of taking medications that could potentially compromise their health,” Lara said.

Safer alternatives

Low-level lasers are a non-invasive, pain-free option for people seeking safer weight-loss treatment.

For example, the Emerald Laser, an FDA-cleared low-level laser for fat loss and body contouring, is additionally FDA-cleared for treating obesity, making it a good choice for those with a lot of weight to lose. The Zerona, also an FDA-cleared low-level laser for fat loss and body contouring, has over-the-counter clearance for overall body circumference reduction, providing a way to quickly target stubborn areas of fat.

Both lasers create temporary tiny pores in fatty cells to release fat, which the body’s lymphatic system naturally removes. Ultimately, the lasers shrink fat cells without damaging them.

This controlled approach helps ensure optimal results in target areas such as the waist, chest or back and requires no recovery time.

Unlike many other weight-loss treatments, lasers do not elevate plasma lipids, triglycerides or cholesterol. They also don’t cause bruising or swelling.

Fat-loss laser treatments are often available at doctors’ offices, chiropractors, spas, health centers and fitness centers. To find a location near you or to offer a laser service at your business, visit fatlosslasers.com.

When considering your weight-loss options, prioritize safe, non-invasive treatments with no side effects.

Stress-free Thanksgiving tips for those short on time this holiday season

StatePoint - While gathering for Thanksgiving is intended to be a joyous occasion, everyone who has hosted the feast knows it can also come with a lot of stress, and expenses.

The good news is that whether you’re a Gen Z-er hosting your first Friendsgiving on a budget or you’re a busy family preparing for guests, there is a lot to be thankful for this year.

That’s because this holiday season, Sam’s Club’s private brand Member’s Mark is unveiling an innovative pre-cooked Thanksgiving meal that is ready to serve in under two hours, priced under $100 for up to 10 people and available to be delivered. Crafted with mindfully made premium ingredients, the meal offers convenience without compromising quality, ensuring a stress-free, memorable and delicious Thanksgiving. Here are the traditional Thanksgiving favorites that the meal includes:

• Member’s Mark Smoked Turkey

• Member’s Mark Yukon Gold Mashed Potatoes

• Member’s Mark Pumpkin Pie

• Member’s Mark Sweet Potato Mash

• Member’s Mark Brussels Sprouts

• Member’s Mark Yeast Dinner Rolls

• Member’s Mark Macaroni and Cheese

• Member’s Mark Cranberry Crunch Salad

Along with purchasing a convenient Thanksgiving meal, here are a few additional ways to eliminate stress around holiday prep:

1. Start Early: Get your shopping and other hosting tasks done in advance. For example, don’t wait until Thanksgiving Day to tidy up your home. Doing a deep clean in advance can help ensure your kitchen is organized and ready for the big day, and that guests feel comfortable and welcomed. Set the table and do any decorating you have planned the evening beforehand.

2. Save on Festive Flair: You can further reduce costs by going DIY with items like centerpieces and seasonal wreaths, or by shopping with retailers offering great value, such as Sam’s Club, which provides solutions for flowers, décor, wine and other hosting essentials.

3. Rely on Friends and Family: Even if you have the main meal covered, it’s still nice to get a little help from guests, who will likely ask if they can bring something. Don’t be shy about asking them to contribute an appetizer or beverage.

For more information on the Member’s Mark Holiday Meal, visit samsclub.com.

By eliminating holiday hassles, you can focus on what really matters, giving thanks and spending time with the people you care about.

Make a small or your second kitchen more functional

StatePoint Media - Whether you live in tight quarters or like many Americans, have a smaller, secondary kitchen in your home, there are strategies for making the most of compact cooking areas, none of which involve compromising style or functionality.

Photo provided

Use Smart Storage

Sneak in extra storage in unexpected places without contributing to kitchen clutter. Install pull-out cabinets. Use an over-the-sink dish drying rack. Mount a magnetic knife sheaf to your backsplash. Use a rolling storage cart that can be moved out of the way when needed, being sure to opt for one with a wooden top to boost your counter real estate. All these solutions will help free up more of your workspace, ensuring you have plenty of room to chop, mix and stir.

Go Multifunctional

Top-notch appliances don’t need to be huge to provide professional-style performance. It’s all about finding models that offer multifunctionality, such as the 30-inch Dolcevita Dual Fuel Range by the Italian brand, Lofra Appliances. A great example of a luxury range uniquely engineered to fit a smaller space, unlike other compact appliances of its size, this one ensures that you can get the aesthetics, powerful BTU output and oven capacity that larger ranges offer. Its convection oven offers nine programmable cooking functions so that you can defrost, grill and bake like a pro, no matter the size of your kitchen.

Get Creative

It’s a good idea to get a bit creative about where appliances will actually fit in your compact kitchen. For example, the 30-inch Wall Oven from Verona is only 24 inches tall, making it the perfect height for an under-the-counter installation. Pair it with a Verona 12-inch, 24-inch or 30-inch cooktop, which have minimal undercounter depth, for a great combination when space is limited.

If you need a second oven, Verona packs two multifunction ovens into one 36-inch range. Both ovens feature optimal amounts of space so you can fit anything from weekday dinners to the Thanksgiving turkey and all of the side dishes to go with it.

Both Verona and Lofra are exclusively imported by EuroChef USA. For more information, visit eurochefusa.com.

Build Upward

Don’t forget to think about your kitchen from a vertical perspective, too. This can help you maximize every square inch of the room. Add hooks to the upper areas of your walls, or even hang items from the ceiling. Put seasonal tools and ingredients up on the highest shelves and rotate them as needed. A small, foldable stepstool takes up almost no storage space but can help you reach those seldom-used items when it’s time.

A cozy kitchen is no cause for distress. Whether it’s throwing an elaborate dinner party or cooking for a busy family, you can get a lot done in your smaller kitchen with wise appliance choices and creative storage solutions.

Scenic Kentucky, perfect for a quick fall getaway trip

Photo: Rafik Wahba/Unsplash

No visit to Kentucky is complete without a stop at the Cumberland Falls. It is the second largest waterfall east of the Rocky Mountains. Sometimes called the Little Niagra, the first recorded landowners of the falls were Matthew Walton and Adam Shepard in 1800. Today, the waterfall and land around it is located in the Cumberland Falls State Resort Park and managed by the Office of Kentucky Nature Preserves.

StatePoint Media - Anyone who loves fall weather should make plans to come to Kentucky. When October and November roll around in the Bluegrass State, native Kentuckians and visitors alike have their eyes on the tree line, waiting for the first hints of autumn colors. And while the anticipation might seem almost too much to bear, the breathtaking sight of fall foliage in Kentucky is so worth the wait.

If the leaves are turning, no matter where a traveler happens to be in the Commonwealth, they are in for a veritable fireworks show of vibrant fall colors. There are so many ways to get an amazing view of the foliage, from nature trails for those who like hiking to country roads for those who enjoy nature from the inside of the car.

The Old Frankfort Pike is a National Scenic Byway that runs through Woodford County in central Kentucky and passes by some of the most charming and beautiful landscapes in the entire country. The pike is 15 miles long, including a two-mile stretch of road that features centuries-old limestone fences, pastures, barns and a tunnel-like oak tree canopy on either side of the road. Those lucky enough to drive it during the fall experience a view that’s truly special.

Sixty miles southeast of Lexington is a nature lover’s paradise, the Daniel Boone National Forest. Driving any one of the state routes that passes through the preserve would satisfy most leaf peepers. However, for those who insist on getting out of the car and into the woods, hiking the trails in and around Slade will provide all the leaf colors desired, not to mention jaw-dropping views of Red River Gorge, Natural Bridge and Chimney Top Trail.

To find colors and educational opportunities, head to the Bernheim Forest and Arboretum, located just outside Clermont. Not only does it contain 16,137 acres worth of arboretum, forest and nature preserve, but it has nature and science programming, dozens of folk art installations and playgrounds for children of all ages.

Pushing to the western part of the state, don’t miss out on the Woodlands Trace Scenic Byway. This road starts at Grand Rivers and takes travelers through the Land Between the Lakes National Recreation Area and into Tennessee. Along the way, sightseers will be surrounded by all the autumn splendor Kentucky has to offer.

Beyond fall foliage, Kentucky is the place to be for autumn fun -- from haunted mansions and ghost walks to u-pick offerings at farms all across the state. For more information visit www.kentuckytourism.com.

The Bluegrass State has amazing things to do and see regardless of the time of year, but Kentucky in the fall is hard to beat.

Struggling to pay your rent? A couple tips to keep the roof over your head

Approaching your property manager can be intimidating. Before your conversation, consider seeking advice from a HUD-certified housing counselor or your local tenant union.

Photo: Sam Jotham Sutharson/PEXELS

StatePoint Media - Upfront and ongoing renting costs can put financial stress on any monthly budget. But whether you are experiencing financial hardship or just need a little extra help to make ends meet, you may have options by working with your property manager.

If you’re struggling to meet either of the two largest financial responsibilities of your lease — your security deposit or rent — here’s what you can do, according to Freddie Mac:

Alternative Security Deposits

The upfront cost of a security deposit can be a challenge for some renters. However, some property managers offer alternatives that decrease the amount due at signing. Common options include:

Recoupment: You agree to pay the property manager for any damages up to a pre-approved amount. If you fail to pay for damages at move out, a deposit company will bill you the amount owed.
Insurance: You pay monthly premiums for an insurance policy, up to a certain limit, to cover any damages you cause.
Installments: Rather than paying the full deposit at move-in, you’ll pay in smaller installments, typically monthly.

It’s important to know the different implications of each option. While these alternatives may seem attractive at lease signing, the cumulative out-of-pocket costs may be more than the amount of the traditional security deposit in the long run. Furthermore, depending on the option you choose, you may also still be liable for costs associated with damages to your unit. Make sure your agreed-upon terms are documented and that you fully understand them.

Rent Flexibility

Talk to your property manager about the flexibility they can provide on your rent payments. There are several common arrangements that they may be willing to offer you, which include:

Personalizing your payment dates: Most rent payments are due on the first of the month, and many properties typically offer a grace period. However, depending on your pay day, this timing still may not be ideal. Speak to your property manager about changing your payment due date to better align with your pay cycle.
Paying in installments: You may find it difficult to cover your full monthly rent in one payment. If this is the case, your property manager may be willing to work out an alternative schedule that allows you to make multiple smaller payments throughout the month.
Receiving a waiver for late fees or penalties: Late fees and penalties are intended to discourage repeated late payments — but sometimes, unexpected things happen. If you’re facing a temporary setback but are otherwise in good standing with your property manager, you may be able to negotiate a one-time exception for late fees or penalties.

Navigating the Conversation

Approaching your property manager can be intimidating. Before your conversation, consider seeking advice from a HUD-certified housing counselor to help you understand your rights and options, and to prepare any relevant information you may need. As you negotiate with your property manager, keep written documentation of any agreements made. And of course, keep the lines of communication open so that both parties are holding up their end of the agreement.

If you need assistance, reach out to a Renter Resource Organization, which can provide financial planning advice, educate you on your rights and responsibilities as a renter, offer mediation in landlord-tenant disputes, provide legal advice and more. Visit myhome.freddiemac.com/rros to find an organization servicing your region or call Freddie Mac’s Renter Helpline at 800-404-3097 to speak to a HUD-certified housing counselor.

If you’re struggling as a renter, actively communicating by asking questions or asking for assistance can relieve financial pressure and help you avoid eviction.

Building an app can help you grow your business, here's how to do it right

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StatePoint - In today’s world, apps are crucial for business growth and customer experience. They enable shopping, appointment setting and customer service interactions. In fact, around three-quarters of U.S. adults say they buy things online using a smartphone, according to Pew Research, which means if you don’t have an app for your business, you’re leaving money on the table. However, if building one sounds daunting, experts say there is good news -- artificial intelligence can help.

“AI enhances app development through code generation, chatbots, process optimization, content creation, user stories and prototype generation. Anyone, even with little to no experience, can quickly and cost-effectively develop an app using AI,” says Sachin Dev Duggal, founder and chief wizard at Builder.ai, an AI-powered composable software platform that allows every business and entrepreneur to become digitally powered.

Despite the relative ease of developing an app harnessing today’s AI tech, it’s nevertheless important to get your app right. With over 77% of users uninstalling an app within the first three days after download, according to WifiTalents, you’ll want to ensure your app provides your users with real value.

So, before building your app, first consider how it will help customers, and how it will help you solve your short- and long-term business objectives. Asking yourself these questions can give you clarity on the type of app you need, how you will fund and maintain your app, and how it will function.

When you are ready to begin development, here are the benefits you can anticipate by using AI to meet your objectives:

Rapid development: AI-driven platforms significantly reduce development time.
Unlimited customizations: AI app development platforms offer pre-built, customizable modules.
High performance: AI creates high-performance apps with fast load times and smooth user experiences.
Cost efficiency: AI reduces the need for extensive developer hiring, lowering costs.
Error reduction: Around 66% of software projects fail. The primary cause? Human error.
Seamless articulation: New AI technology allows you to speak directly with the development platform, enabling you to convey your ideas and instructions effortlessly, making app development more intuitive and efficient.

So, how do you actually use AI to build your app? In the case of Builder.ai, it’s as simple as following these simple steps:

1. Choose and customize a base template.
2. Review and finalize features.
3. Identify the app’s platform (Android, iOS, desktop) and build a timeline.
4. Establish a payment plan.
5. Match with a product expert for guidance.
6. Review and monitor the app’s progress.
7. Launch your app.
8. Leverage data from your app to optimize business.

To learn more about developing your app with Builder.ai, visit https://www.builder.ai/.

“AI automates repetitive tasks, code generation, bug detection and testing, resulting in shorter development cycles and reduced costs while maintaining high quality. By giving everyone, regardless of their tech knowledge the power to build applications, we’re removing the barriers that have traditionally stopped individuals and business owners from unlocking their potential,” says Duggal.

Unlocking homeownership with down payment assistance and savings plan

Photo: Jill Wellington/Pixabay

StatePoint Media - If you dream of owning a home but aren’t sure whether you have enough money for a down payment, take another look. You might already have enough or be closer than you think.

Down payment and closing cost assistance

Depending on your situation, you may qualify for a grant to help with your housing purchase. Grants can offer down payment and closing cost assistance. Some financing programs also allow qualified homebuyers to put down as little as 3%.

“Aspiring homeowners may want to talk with a mortgage professional to explore their options. They can help aspiring homeowners understand how much they need for a down payment and other upfront costs as well as for ongoing expenses such as insurance, homeowners’ association fees, and unexpected repairs,” says Ewunike N. Brady, head of African American Segment, Wells Fargo Home Lending.

If saving up to buy a home is your goal, how can you put more money away each month to get there sooner? Here are some savings tips to consider:

1. Pay down credit card and loan debt to save money on interest. This may also lower your debt-to-income ratio and increase your credit score, which helps when applying for a mortgage. Start with accounts with the highest interest rates, pay more than the minimum, make payments every two weeks instead of monthly, and consider setting up automatic payments.

2. Track your spending habits and evaluate what you can cut. Many helpful budgeting apps are available. Small changes can add up to big savings. For example, make your own coffee, pack a lunch, carpool, get your hair cut less frequently, or cook and watch movies at home instead of going out.

3. Reconsider subscription services and monthly memberships. How much do you spend per month, and do you use them enough to get your money’s worth? If you have gym membership, can you work out at home or enjoy public recreation areas? How many apps or streaming video or music services do you need?

4. Minimize account fees. Pay attention to when a bank account incurs fees so you can avoid them when possible – for instance, maintain the daily minimum account balance, use your debit card a specified number of times during the month, or stay below a maximum number of withdrawals from a savings account. And of course, avoid overdrafts.

5. Consider using automatic bill pay options through your financial institution or the billing entity, like your utility company. Then you’ll avoid accidental late payments and the fees that come with them.

While saving for a down payment seems daunting, it does not have to be. Understanding the facts about what’s required to buy a home and having a savings plan can put you well on your way to achieving your homeownership goal.

Firearm safety begins at home

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StatePoint Media - Firearm violence has become the leading killer of children and young adults under 24, surpassing deaths from vehicle collisions since 2017. And while daily headlines emphasize news of mass shootings, most firearms-related deaths and injuries are preventable and occur in a familiar place -- at home.

The American Academy of Pediatrics (AAP) is not only calling attention to the sobering statistics, but is also offering tools for families, communities and governmental entities to help prevent gun violence. Parents can learn more at HealthyChildren.org.

Approximately 40% of U.S. households with children have firearms, of which 15% stored at least one firearm loaded and unlocked, the storage method with the highest risk.

“Firearms are pervasive in America, but we do have reason for hope,” said Dr. Lois K. Lee, a pediatric emergency medicine physician who specializes in injury prevention. “Research has revealed effective ways to prevent or reduce the risks of harm, just as our country did to improve motor vehicle safety. This is a public health epidemic that we can do something about, through a combination of regulation, legislation, education and individual steps like securely storing firearms in the home.”

Pediatric practitioners are encouraged to counsel families, offer mental health screenings and promote secure firearm storage as part of routine visits. As with other consumer products, the AAP supports regulating firearms for safety and notes that national requirements could be established for safe storage, training, licensing, insurance coverage and registration.

State extreme risk protection order laws, also known as “red flag laws,” which prohibit individuals at risk of harming themselves or others from purchasing or owning a firearm by a court order, are also becoming more common.

Evidence shows that the risk of injury or death is greatly reduced when firearms are securely stored, unloaded and locked, with the ammunition locked in a separate place that youth can’t access.

Unfortunately, 40% of U.S. households with children have firearms, of which 15% are stored in the least secure way. One study demonstrated that if 20% of parents who currently store their firearms unlocked instead stored their firearms and ammunition locked away separately, there would be an estimated decrease of up to 122 pediatric firearm-related fatalities and 201 injuries annually nationwide.

Because having firearms at home substantially increases the risk of suicide, homicide and unintentional shootings, the AAP also suggests that families consider storing firearms outside the home completely.

“Even when they’ve been trained not to touch firearms, we know that young children are curious and will often pick up a firearm–and even pull the trigger–if they find it,” Dr. Lee said. “Make sure, wherever your child is going this summer for playdates and vacation–including the homes of relatives–that you ask about how firearms are secured in the home.

“You can frame this as a safety conversation and talk about food allergies and car seats, and then ask about how firearms are stored. But also think about other options if you have concerns–perhaps offer to meet at a park or museum, or invite their child over to your home to play.”

Between 2015 and 2022, there were at least 2,802 unintentional shootings by children age 17 and younger. These resulted in 1,083 deaths and 1,815 nonfatal firearm injuries, nearly all among other kids. And at least 895 preschoolers and toddlers found a firearm and unintentionally shot themselves or someone else during this time.

“Ultimately, we will need a multipronged approach to substantially decrease firearm injuries and deaths among U.S. youth,” Dr. Lee said. “This is a public health epidemic that requires urgent, deliberative action. We must do better–our children deserve it.”

A few things that families with college-bound students should know

If you are going to college this fall, now is a good time to have your parents teach you financial skills like budgeting and bill paying. Learn now will make life on campus away from home much easier.

JeffStateCollege/Pixabay

StatePoint - Perhaps even more nerve-wracking than waiting for your child’s college acceptance letters is learning whether they’ve been awarded financial aid. Recent changes to the Free Application for Federal Student Aid (FAFSA) designed to simplify the process have led to unforeseen hiccups and technical glitches, causing academic institutions to delay sending out financial aid award letters. However, once you finally get the results, it can give your family a better idea of what to do next.

“Our research shows that for a majority of parents, figuring out how to pay for college was the ‘road to college’ activity that caused them the most stress. By making a financial plan and prioritizing it, you can be well prepared to avoid the most common bumps in the road,” explains Angela Colatriano, chief marketing officer, College Ave.

Colatriano recommends using the spring to teach your child these valuable financial skills: how to set up a budget, how to pay bills and how to manage credit. If your family will potentially be borrowing to finance college, students should also gain an understanding of how loans work, and how the different terms of the loan will affect their monthly payments and overall loan cost.

Speaking of budget, you should set a realistic budget for yourself. A recent College Ave survey found that in addition to helping pay for tuition and housing costs, parents also contribute to their child’s phone bill (65%), health insurance (61%), food and groceries (42%), cable and internet bill (35%) and transportation (32%). Be realistic about which expenses you can afford and where you want to ask your child to chip in.

Decode Award Letters

Financial aid award letters can look different for each school. Familiarize yourself with their components so that when they arrive, you’ll be ready to decipher them. Here’s what to look for:

1. Free money: The award letter will list whether your student is eligible for scholarships and grants (sometimes called Merit or Gift Aid). This is money you typically don’t need to pay back.

2. Federal Work-Study: Your child might be eligible for Federal Work-Study jobs. While jobs aren’t guaranteed, they can be a good opportunity to help cover educational expenses.

3. Student Loans: Schools will list any federal loans your child is eligible to receive. Helpful hint: They may be grouped with scholarships and grants. You should also note whether the loan is subsidized or unsubsidized. Because unsubsidized loans accrue interest while your student is enrolled and during deferment periods, this will affect the overall loan cost.

4. Other factors: Check if awards being offered are for all four years and understand what your child will need to do to continue being eligible for them, year-to-year.

To get an apples-to-apples look at the offers, calculate the net direct cost of each school by subtracting offered scholarships and grants from the cost of attendance (tuition, room, board, textbooks and fees). If applicable, you can subtract work-study aid too. You should also factor in expected increases in tuition, room, board and other fees.

Fill in the Gaps

If after doing the math, you find you have a financial gap to cover, look into private scholarships. One easy one to enter on a monthly basis is College Ave’s $1,000 Scholarship Monthly Sweepstakes.

You may also want to consider a private student loan or parent loan. Look for a lender with great rates, flexible repayment terms, and the opportunity to customize the loan to fit your budget. For example, College Ave offers student loan calculators, a pre-qualification tool that offers quick answers without affecting your credit score, and other helpful tools and resources. To learn more, visit CollegeAve.com.

“The important thing is not to panic. If you filled out the FAFSA, financial aid award letters are on the way. And once you receive them, you and your student can get to the fun part of planning for the future,” says Colatriano.