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(NewsUSA) - No one out enjoying time on a boat wants to think about breaking down and needing a tow, but a little preparation can make a big difference.According to the Boat Owners Association of The United States (BoatUS), the number-one reason for a slow or delayed towing company response is the considerable time it sometimes takes for the towboat captain to seek and find the disabled recreational boat on the water. Unlike drivers on a road or highway, many boaters are simply unsure of their exact location.However, the proliferation of cell phones and improvements in cell service over the last decade means that most anyone can use a phone to pinpoint their location and also reach a dispatch center.A phone app, such as the one developed by BoatUS, allows boat owners to pre-program information about their boat. When they use the app to call for help with a dead battery or a tow home, the call goes to the dispatch center and immediately provides the boat's details along with the latitude, longitude, and boater's emergency contact information to the dispatcher, speeding a response.The free app from BoatUS, available at BoatUS.com/app, also provides information about tides, weather, and wind. Boaters without the app can use their phones to call the BoatUS 24/7 Dispatch Center at 1-800-391-4869.Boat owners can also be proactive and save money by signing up for an on-water towing plan at the start of the season.For example, an annual Unlimited Towing Membership plan from BoatUS starts at $72/year for freshwater and $149 for saltwater.In addition to having a towing service, boaters should be prepared to keep themselves and any passengers safe if their boat is disabled.Key tips to keep in mind include:- Be safe. In life-threatening emergencies, call 911 immediately or use VHF radio channel 16. Know the location of your boat's safety gear and first aid kit.- Be leak-savvy. If you run aground, immediately look for water intrusion and provide a life jacket for each passenger not already wearing one.- Be seen. For safety and visibility in the dark, be sure all of your boat's navigation and anchor lights are working.For more tips and information about what to do if you need on- water assistance, visit BoatUS.com/Towing or call 800-283-2883.

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(NewsUSA) - People used to just pick up the phone and resolve work issues on the spot. Today, employees have to choose from among many different communication channels - emails, texts, video calls, chat windows, messenger apps and many more, especially for those who work remotely.Over the past decade, smartphones and the cloud-based app ecosystem have changed everything about the way we work and live. People have become accustomed to working anytime, anywhere and staying in touch using their own personal devices, customized to their own precise preferences.Meanwhile, the lonely desk phone sits idly by, collecting dust. Many professionals consider the desk phone an antiquated communication tool that no longer meets the needs of the new mobile workforce.According to research by IDG, unused phone systems are costing companies an average of $8.1 million per year. Related studies project that three out of four US workers will be mobile only by 2020.To help businesses everywhere lower their fixed costs and go mobile, one company is reshaping the way small business owners and their employees communicate through an app that transforms employee mobile phones into a full-featured business phone system.The Spoke Phone app makes it easier to get people talking in real time so they can solve problems faster, strengthen the internal company culture and promote company growth. Other benefits of the app include:* It's simple: too many features confuse employees. Spoke Phone has just the core features companies need, and nothing they don't.* It promotes more business. Spoke Phone gets employees and customers talking more in real time, solving problems faster to help your businesses grow.* It saves money. Companies retain more money, employees love the freedom, IT loves how simple it is.* It works on any network. Employees can use a smartphone on any phone network or with any carrier - either their own phone or one you provide for them.* It links employee phones together into a single business network. You can transfer a call from your mobile phone to others on your team and get customers talking to the right people in no time.Every small company has unique needs. Whether your company has teams of remote workers, or just a few local employees. small businesses can change their operations to make the workforce more productive and happy, and without the added expense of a desk phone. 

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(NewsUSA) - Maybe it's because of all the scary news surrounding opioid abuse, but a new study shows Americans now seem to be extremely wary of taking any kind of prescription medicine to relieve pain.A whopping 78 percent of those surveyed in a joint effort by Gallup and Palmer College of Chiropractic said they'd "prefer to try other ways to address their physical pain before they take pain medication."What many may not to realize is that even over-the-counter (OTC) and nonsteroidal anti-inflammatory drugs (NSAIDs) frequently used to treat mild and moderate pain come with risks. The likes of aspirin, ibuprofen, acetaminophen and naproxen can trigger adverse effects such as ulcers, bleeding, gastrointestinal problems, and - in rare cases - increased risk of stroke or even kidney damage."If over-the-counter medications are used, it should be remembered that just because it's OTC doesn't mean it's completely safe for everyone," says Velma Wilks, RPh, a practicing registered pharmacist in Lubbock, Texas, who believes people should consider non-pharmacological approaches first.She's not alone. In fact, one alternative to both opioids and OTC drugs - drug-free chiropractic care - has grown so popular among those seeking relief from back and neck pain that it's become something of a movement under the rallying cry of "chiropractic first."Highly educated and trained in the structure and function of the human body, doctors of chiropractic use hands-on techniques to help enhance flexibility, muscle strength and range of motion. Most insurance and health plans cover its use."One hundred million Americans suffer from chronic pain, and they deserve to know the risks about the OTC medications they're taking," says the Foundation for Chiropractic Progress' Sherry McAllister, DC.To locate a nearby doctor of chiropractic, visit f4cp.com/findadoctor. 

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(NewsUSA) - Sponsored by GAF - It's time to stop thinking of Millennials as totally uninterested in owning anything just because they were early adopters of Uber.The newly released U.S. home ownership rate rose in 2017 for the first time in 13 years - it now stands at 64.2 percent - driven mainly by a shift towards owning over renting by the under-age 35 crowd who'd been wary of committing for both financial and personal reasons."This is happening because young households are buying homes. Full stop," Ralph McLaughlin, chief economist at home listings provider Trulia, told the Wall Street Journal.They're not the only purchasers, of course. Which means if you're looking to sell your house now or in the not too distant future, you might want to check out this generational roadmap to four upgrades experts say are worth it to help attract potential buyers.* Cross-generational: a new steel door. The only thing that beat it on Remodeling magazine's annual Cost vs. Value Report for 2017 was loose-fill attic insulation, but this project - with a 90.7% return on investment - speaks directly to the report's main takeaway: "Curb appeal projects, by and large, generated higher returns on investment than work done inside the home."Plus, as far as Millennials go, while their ideal interiors may differ from older generations - for example, they prefer open floor plans and hardwood floors - Architectural Digest says they're still into "traditional exteriors."* Millennials: smart-home tech. Yes, there are Boomers and Generation Xers who are super tech savvy, but Millennials especially crave homes that allow them to control their heating, air-conditioning, home security, and lighting systems from their phones."They want to use their brains for other things, not for remembering whether they adjusted the heat or closed the garage door," Angie's List stressed.* Cross-generational: a new roof. It's the ultimate curb appeal enhancer and a perennial Remodeling magazine A-lister, with Credit.com having observed that "buyers pay a premium for one already in place."So if the first thing prospects notice even before exiting their cars looks like something out of "Twister," you've got a problem."It's a huge turn-off," said Patsy O'Neill, a sales associate with Sotheby's in Montclair, New Jersey, "and makes buyers of all ages predisposed to find even more things they don't like."If your roof does need replacing, those particularly interested in targeting Millennials might want to consider the very affordable Sienna line of diamond-shaped shingles from GAF (gaf.com), North America's largest roofing manufacturer, since they capture that generation's sensibilities."They pick up on key Millennial style trends of natural, clean materials, clean lines, and the integration of artistic elements," said Leslie Franklin, executive director of residential marketing at GAF.* Millennials: all-new appliances. Realtors will tell you that major kitchen (and bath) upgrades aren't generally worth their high costs, in terms of return on investment, since prospective buyers' tastes can clash with yours.However, Millennials do love, love, love all-new stainless steel appliances. So much so that what RealtyTimes.com called "an astonishing majority of 75 percent" of respondents in a recent survey chose to spend their hypothetical home buying budgets on them. 

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(NewsUSA) - Colorectal cancer deaths are slowly declining, but shocking racial and ethnic disparities remain.According to the American Cancer Society, Latinos living in the United States are more likely to develop and die from this disease than those in many Central and South American countries. African-Americans are at least 41 percent more likely to die from colorectal cancer than whites.Both groups are also less likely to get screened, and their cancers are often found later.What can be done?A growing number of medical groups, patient advocates and members of Congress say virtual colonoscopy - known medically as CT colonography - can overcome cultural stigmas and anxiety associated with this screening."CT colonography can attract those who would otherwise not be screened, allow doctors to remove more polyps before they become cancers and help people avoid getting this disease," says Carolyn R. ("Bo") Aldigé, president and founder of the Prevent Cancer Foundation.The evidence is thereVirtual colonoscopy is an American Cancer Society-recommended screening exam. Studies show that it is as accurate as standard colonoscopy in most people - including those 65 and older.Virtual colonoscopy increases screening rates where it is offered in the U.S. and abroad. Former President Obama chose to have the virtual exam.Michael Sapienza, President and CEO of the Colon Cancer Alliance, says the virtual exam can "jump-start screening by offering access to a less-invasive option that millions of screening age who choose not to be tested find more appealing."Unfortunately, the prep is the sameHowever, the virtual exam is far less invasive than standard colonoscopy. The CT scanner uses low-dose X-rays to make 3-D, moving images of the colon that doctors examine for polyps and cancer.The test does not require sedation. It is over in minutes. And you may not need someone to drive you to the exam. Afterward, you can go back to daily activities.Private insurers are starting to listenThirty-six states require that insurance policies sold in their state cover virtual colonoscopy. Insurers who take part in federal exchanges are required under the Affordable Care Act to cover the exam. CIGNA, UnitedHealthcare, Anthem Blue Cross Blue Shield, Aetna and other insurers cover these tests irrespective of ACA requirements.Challenges remain for Medicare patientsScreening those on Medicare with virtual colonoscopy may cost nearly a third less than standard colonoscopy. Yet, Medicare is among a shrinking number of insurers that does not cover the test."We need more Medicare-covered options, including CT colonography, to increase Hispanic screening rates and save lives," says Elena V. Rios, MD, MSPH, president and chief executive officer of the National Hispanic Medical Association.Patient and provider groups want Congress to pass a new bill that would provide Medicare coverage for virtual colonoscopy."With Medicare coverage, CT colonography can increase screening and reduce unnecessary deaths," says Judy Yee, MD, chair of the American College of Radiology Colon Cancer Committee.Find more information on virtual colonoscopy (CT colonography) at RadiologyInfo.org/virtualct.

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(NewsUSA) - Sponsored by GAF - Think you're up to tackling the fourth most dangerous job in America? Well, that's what you'd be doing if you decide to install your own new roof.According to the latest figures from the Bureau of Labor Statistics, even police officers have less chance of dying on the job than professional roofers do. And yet countless do-it-yourselfers risk life and limb every year to try to save some bucks and/or prove they know their way around a pneumatic nail gun."There's no better way to meet an orthopedic surgeon - or an undertaker - than by spending an extended amount of time on your roof," cautions PopularMechanics.com. "One small slip or misstep, and it's a long way down."With that caveat in mind, here are three questions to ask yourself before committing:* Are you comfortable with heights?You may have had a great time going hot-air ballooning with friends, but it's an entirely different thing being up 40 feet on a roof knowing that - even after you've ripped out all the old roofing and checked for damage - you still have to install things like leak barrier and roof deck protection before you can even think about nailing on new shingles.Again, all while 40 feet off the ground.And all while wearing rubber-soled boots to (hopefully) keep you from tripping on a slick spot, safety glasses to (hopefully) keep you from injuring an eye with an errantly hammered nail, and a harness to (hopefully) keep you from plummeting to the ground when working on a steeply pitched roof. * Are you as strong as you think?You'd better hope so because you'll be lugging what feels like tons of roofing material and equipment up a ladder.The equipment alone includes (but isn't limited to): an air compressor, a circular saw, a hack saw, an electric drill, a saw horse, a roofing shovel, a claw hammer, a framing hammer, a chisel, and the aforementioned pneumatic nail gun, which has been described as "basically a weapon."And that ladder? Not only will you need to position it exactly right for safety reasons (extending it 36 inches above the landing or roof eave), but there's a potentially life-or-death reason why it should be made of a particular material."It's crucial to use a non-conductive ladder made of wood or fiberglass when working near wires to avoid electrocution," advises Jason Joplin, program manager of the GAF Center for the Advancement of Roofing Excellence (CARE). "Far too many roofers have died because they were using metal ladders."* Do you already have the necessary tools?Remember, that was just a partial list you just read. And as Angie's List says, "If you have to go out and buy a power saw but don't plan to use it in the future, it's probably not a good investment."Having second thoughts? GAF (gaf.com), North America's largest roofing manufacturer, has made it easy to find the most reputable and adequately insured professionals in your area by searching its website's GAF Master Elite Contractor database.Oh, and for those wondering, the top three most dangerous jobs are loggers, fishing workers, and aircraft pilots. Cops, incredibly, didn't even make the top ten. 

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(NewsUSA) - In today's busy world, the convenience of products and services delivered directly to your home makes life easier. But you can receive more than the usual groceries, diapers and dog food. You can get support and encouragement, and bring about positive change to a world in need.Faithbox is a subscription box that meets this need by providing ongoing spiritual support and inspiration, as well as a way to do good works.Here are a few of its benefits:Good works: Its charitable focus allows you to do good and affect positive change. Faithbox is a company making a difference to people who want to make a difference. Products in each box are sourced from companies and organizations that don't exploit people or nature. Rather, they support and empower eco-friendly, humane and sustainable organizations.Consistency: Fresh, thought-provoking tools promote daily practice, which in turn promotes growth, change and improvement in any area of your life. That includes both your spiritual and emotional health.Convenience: At-home delivery makes it easy to have regular, ongoing access to new and uplifting devotional materials and unique products that embody good works. This convenience is especially helpful for anyone who wants to find new, faith-based products, or who lives in a remote area where they might not be readily available.For many people, a regular dose of inspiration, along with the anticipation of something positive and new every month, is a strong way to supplement their spiritual journeys. Faithbox's devotional materials and products are built around a monthly theme, such as Leadership, Journey, Grief, Connection, Transformation and others. Each product in Faithbox is mindfully and conscientiously curated based on the month's theme. Faithbox has several subscription options, including monthly, three-month and one year.Visit Faithbox.com for inspiration and more information. 

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(NewsUSA) - These days, it can be hard to find a company that values its people - especially in the financial-tech industry, where employees feel like cogs in a machine, disconnected from their colleagues or customers.MovoCash, Inc. (MOVO), unlike traditional financial institutions, is a payment platform that empowers people to convert their mobile phone into a digital bank in their pocket. What makes MOVO different are its core values and "The Filter," a system that the company practices to build the culture and drive the organization.For starters, MOVO's corporate culture is one of inclusion. MOVO is broken into teams for each functional area, such as tech, support, administration and consumer operations, all for the purpose of serving its customer base - individuals unable to get a regular account at a traditional bank for any number of reasons.MovoCash helps these individuals function in the economy as banked people, so they can work, take care of their families, and improve their lives.Some of the corporate culture strategies that set MovoCash apart include:- Equal time. The MOVO teams meet daily in a group called "the huddle." During these meetings, each person is coached on how to apply agile development principals. Team members share with each other what they worked on the day before, what they are working on currently, and then communicate if they need any help."We say we're 'going into the bubble,'" one team member explains, "The bubble has rules which allows team members to explore ideas no matter how extreme. This is a time for robust dialog where the team shares their perspective and comes to a consensus on topics that enhance the productivity of the overall team."- Equal effort. Eric Solis, the CEO, establishes the strategic direction and short and long-term goals and maintains overall responsibility for execution, but the company leadership and teams are trusted to work together and support each other to carry them all out. All MOVO users, team members, strategic partners, and vendors become a part of the MOVO family. The tightly-knit company works together to achieve its goals and then takes every opportunity to celebrate in team victories, especially when they succeed at providing customers the best possible experience and the feeling of independence that comes with financial inclusion.- Equal empowerment. The MOVO culture is designed to make customers feel empowered, regardless of their past financial history or current status.MOVO enables users to make direct deposits from an employer, Facebook, PayPal, Venmo, and others. You can also make peer-to-peer payments similar to the way traditional banks use Zelle."Our goal is to deliver powerful ways for you to access and interact with your money in an increasingly mobile world," says Solis. "Our team stands behind these words." Central to the MOVO mission is the promise to its customers and its passion to see them thrive.For more information about MOVO and to download its app, visit www.movo.cash

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(NewsUSA) - With Administrative Professionals Day around the corner on April 25th, like many, you may be wondering what to give your secretary, assistant or other administrative worker. You're not alone.Many people are confused about what is appropriate and how much to spend. According to Laura Jennings, the CEO of bespoke gifting company knackshops.com, $50 is the average price point for a gift and it's important to treat everyone equally."Salaries, titles, bonuses and office locations already build hierarchies," she says. "Gifts are the perfect opportunity to say thank you to everyone."The best way to make your team members feel appreciated is to take the time to really think about the message you want your gift to convey. Jennings has three tips to help harness Administrative Professionals Day effectively:1. Give items that stress the "professional" in Administrative Professional.The workplace has thankfully evolved from the gender stereotyped world in which the original National Secretary's Day was launched in 1952. It's important to recognize all levels of professionalism in the office with appropriate gifts that express professional integrity. Leather journals, fine pens, and professional organization memberships are appropriate examples.2. Think about giving gifts that add luxury, convenience or fun to a workday.Your administrative professional may know almost everything about you; this is your opportunity to pay them the same compliment, while keeping it completely professional. Items such as desk accessories, water bottles, travel mugs, and other tools that add luxury, convenience or fun to anyone's work day are a good place to start. But stay away from flowers: nothing ranked lower than flowers in terms of employees' most requested employer gifts in the 2018 Business Gifting Satisfaction Report. You may want to consider gifts such as the The Sweet Life to beauty up their desk, Thanks-Olate Gift Set to say thanks, or Black Tie as a token of your appreciation, all available at knackshops.com.3. Remember that food and wine are always appreciated.Gifts of food (and wine, if you know they are fond of the grape) are universally acceptable in the business-gifting world and are something that employees tend to use and love."Make it memorable, by adding something useful like a tea towel, cheese knife, serving bowl, corkscrew or cheeseboard to your food gifts," Jennings advises. Knackshops.com's Carnivore's Delight, Caffe Autentico and The Cheese Course are examples of decadent gifts that they'll remember long after the food has been consumed.Gift cards are appreciated by employees of all ages and genders, although particularly so for women over 40. The only downside is that research shows they may be quickly forgotten - less than 40 percent of employees say that gift cards are "very memorable."Lastly, data shows that a personally-addressed message is actually the most important element of your gift."It's really about the story. A personally-addressed gift message can increase the memorability of a gift and turn it into a special moment," Jennings says. "There is also nothing easier to do - and quicker - than dropping in a meaningful note." 

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(NewsUSA) - Having a "glass half full" approach to life has long been considered important for overall wellness. But evidence suggests that there may be truth in this folk wisdom.Humana recently surveyed 2,000 people aged 60 and over, and found that 87 percent of seniors who identify themselves as "most optimistic" reported their health as good to excellent. This is compared to 44 percent for those who said they're "least optimistic."Also, the most optimistic people reported nine fewer physically unhealthy and seven fewer mentally unhealthy days per month than their least optimistic counterparts.Seniors who rated themselves as most optimistic also reported positively on other attributes linked to health, including sleep, confidence and overall happiness.* 91 percent of the most optimistic respondents reported feeling confident in the past week, while only 52 percent of the least optimistic respondents did, a difference of 39 percentage points.* 90 percent of the most optimistic respondents reported feeling happy in the past week, compared to 44 percent of the least optimistic respondents, a difference of 46 percentage points.* And only 31 percent of the most optimistic respondents reported getting a restless night's sleep in the past week, while 62 percent of the least optimistic respondents did, another difference of 31 percentage points.Despite these impressive numbers, having an optimistic mindset is often easier said than done. The stresses of life, social stereotypes and one's natural temperament can all impede approaching aging with optimism. Dr. Yolangel Hernandez Suarez, Humana vice president and chief medical officer for care delivery, has the following advice for anyone struggling to stay on the sunny side of life:1. Take ownership and recognize that your health is your own. To achieve your best health, you need to set personal goals - just for you.2. Engage with your doctor or other health care professional and build a trusting relationship.3. Find a higher purpose that makes you excited to get up in the morning. Humana's survey found that the majority of respondents (86 percent) who identify as optimists also rank a sense of purpose as an important attribute for aging.4. Remain socially engaged, not isolated, and nurture close relationships. The importance of social engagement is recognized by the 71 percent of Humana survey respondents who identify as optimists and get together with friends or relatives either monthly or weekly. Further, 80 percent of optimists say maintaining an active social life is an important motivator to stay healthy.5. Stay active and remember that physical activity is important. Find something that's right for you and that you like to do. Almost all of the most optimistic survey respondents (97 percent) say remaining physically active is a major motivator for retaining good health.6. Practice gratitude and make it a habit to look for and appreciate everything you're thankful for in life."As a boomer myself, I know that the majority of the decisions about my own health take place outside of a doctor's office," said Dr. Hernandez Suarez. "With the knowledge that optimism may be linked to health and well-being, I'm focused on making positive health decisions through all aspects of my life. Our goal at Humana is to empower everyone to approach health in the same way." 

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