ReportWire

Tag: money

  • How to Make a Celebration Unforgettable: Benefits of Group Video Messages

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    Celebrations bring people together, mark meaningful milestones, and create memories that last for years. Whether it’s a birthday, anniversary, farewell, graduation, or workplace recognition, the heart of any celebration is the feeling of being appreciated and surrounded by people who care. But in a world where many loved ones live far apart and time often feels rushed, finding a creative way to make celebrations truly unforgettable has become more important than ever.

    This is where group video messages stand out. They offer a unique blend of emotion, storytelling, and collective participation that no store-bought gift can match. A group video captures voices, expressions, and heartfelt words, becoming a digital keepsake the recipient can return to for comfort and joy long after the celebration ends.

    Group video messages aren’t just a trend, they are transforming the way people celebrate, honor, and connect. Their emotional power, personal touch, and collaborative nature make them one of the most meaningful ways to enhance any special moment.

    The Natural Emotional Power of Shared Messages

    By​‍​‌‍​‍‌​‍​‌‍​‍‌ their very nature, celebrations are emotional, and group videos take that emotion to a whole new level. As the recipient goes through the video one message after another, they really feel recognized, appreciated and loved. The voices’ succession creates an emotional experience of different layers that intensifies with each video segment.

    Individuals may smile, laugh or even shed tears of joy and this is extremely rare to be so triggered by more traditional gifts. Such videos are the most touching because they result from existing relationships and sincereness.

    It is quite emotional, to the point it can’t be underestimated, hearing so many different loved ones recalling memories and expressing their thanks. It changes the party into a moment of deep connection and ​‍​‌‍​‍‌​‍​‌‍​‍‌gratitude.

    Many people looking to create memorable celebration experiences turn to user-friendly platforms such as folksee, which simplify the process of collecting, organizing, and producing group video messages. These tools make it easy for contributors to submit clips from anywhere and help ensure that the final result feels polished, cohesive, and emotionally powerful. With seamless coordination, group video messages become accessible to everyone, not just tech-savvy creators.

    Ideal for Any Celebration, Big or Small

    The​‍​‌‍​‍‌​‍​‌‍​‍‌ versatility of group video messages is probably one of their most powerful features. They are equally effective for a small family celebration, a big community event, a milestone at a workplace, or anything that lies between. They are the embodiment of the people’s spirit no matter the size of the group or the nature of the occasion.

    A group video can be the main surprise at a celebration or a sincere gift-party accompaniment. It can be funny, touchy, lively, or simply made for the recipient’s character. The flexibility of this format allows it to be of any tone, mood, or theme.

    Encouraging Creativity and Personality

    Group​‍​‌‍​‍‌​‍​‌‍​‍‌ video messages are a great way for people to express their creative side in every clip. Creators can shoot at impactful locations, use some items, refer to jokes that only they understand, or even share a touching story from their life.

    Such a spectrum of characters makes the video look vibrant and expressive. It shows the effect of the person on different people’s lives and at the same time, it is a mirror which reflects the unique ways in which people relate to that person. Creativity is what takes the final gift to another level and gives every individual the liberty to show their love or gratitude in their own manner.

    A Keepsake That Lasts for Years

    As​‍​‌‍​‍‌​‍​‌‍​‍‌ opposed to physical presents that eventually get worn, a group video message is something that you can go back to anytime. It turns into a digital memento which is emotionally dear for a long time after the festivity has passed. If there are hard times, the receiver may go back to the video to get support. If there are happy times, they can show it to others as a part of their experience.

    The indestructible attribute of group videos is what makes them very close to someone’s memory. They become a part of anniversaries, life reflections, and personal milestones. The people in the video may even become more significant to the recipient over time as their relationship develops or changes.

    Strengthening Community and Connection Among Contributors

    Though​‍​‌‍​‍‌​‍​‌‍​‍‌ the recipient is the one receiving the most obvious benefit, the participants also get to experience something meaningful. Actually, when people are given the chance to share a message, they think about their relationship with the recipient. Such a reflection produces the feeling of being warm, thankful, and connected within the group itself.

    Friends get the chance to reconnect after months apart, colleagues remember the good times and bond more, and families become even more close, though through digital channels. Making a group video contribution helps people to remember the relationships that matter and gives them a feeling of community.

    Helping Celebrations Feel More Inclusive

    There​‍​‌‍​‍‌​‍​‌‍​‍‌ are many people who are not able to meet up or attend social events in person. These could be different commitments of life, travel restrictions, and even unexpected situations which are gradually leading people to miss out on important celebrations. Video messages from the group are the way to solve this problem and they guarantee that every voice will be heard.

    If a person is recording a video to send it to the group from a different country or is simply unable to be physically present, he/she still can contribute to the experience. Such participance which involves the absent ones brings peace and happiness not only to those who are sharing and receiving the message but also to making the celebration feel like a reunion and complete.

    Final Thoughts

    One​‍​‌‍​‍‌​‍​‌‍​‍‌ of the most impactful and emotionally touching ways to make your celebrations last through group video messages is undoubtedly they become. In essence, they are a fusion of the three elements: creativity, sincere expression and the shared involvement, resulting in a digital present that doesn’t quite resemble anything from the store.

    First of all, group videos have the power to unite people, recall the treasured memories and even hand down the precious emotional keepsakes. Hence, these videos reach a higher and more significant level of celebration. To sum up, a group video message is the perfect tool to use when you want to convey your feelings to a loved one, a colleague or during an important event. The video shows the core of relationship and thankfulness in a manner that is intimate, friendly and unforgettable.

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    Robert

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  • 5 Unexpected Benefits of Outsourcing for Your Business

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    Outsourcing​‍​‌‍​‍‌​‍​‌‍​‍‌ has traditionally been regarded as a method for saving money and gaining efficiency. However, it has now become a highly strategic move in the business world. Today, businesses that outsource do not merely do it to cut costs; they do it to innovate, grow faster, and gain access to new resources. The decision which was once thought to be a mere operational one has now become a significant transformation to the company’s power.

    In a worldwide market where the pace gets faster every year, businesses have to adapt quickly, deliver consistently, and keep their competitive advantage. There are many organizations, particularly startups and scaling companies, that have acknowledged the fact that doing everything in-house would stretch them too much. Outsourcing is a wise move for them as it enables them to concentrate on the most important things in their business while at the same time making use of the assistance of the specialists which is beneficial for the whole business.

    A New Level of Flexibility That Fuels Growth

    By​‍​‌‍​‍‌​‍​‌‍​‍‌ far one of the most underestimated benefits of outsourcing is that it brings a lot of new flexibility to your business. If you only rely on the internal staff, your capacity is going to be very rigid and will be limited by the number of hours, internal expertise, and hiring constraints. However, when you engage external experts, you are essentially creating a scalable model that can either be increased or decreased according to your current needs.

    Such flexibility can change the whole game for companies. It enables them to undertake projects that used to seem too big, too costly, or too complicated. Such undertakings as marketing campaigns, development sprints, design overhauls, and technical integrations become easier when you have the freedom to add external experts either temporarily or for a longer period of time.

    Flexibility is also a feature that allows businesses to keep up with changes in the market quickly. When customers’ demands change, when opportunities come, or when challenges appear suddenly, outsourced teams are still there to help companies adjust to the situation without losing the momentum of their internal operations.

    The Momentum That Comes From Shared Responsibility

    In​‍​‌‍​‍‌​‍​‌‍​‍‌ addition to the physiological and operational perks, outsourcing also brings a sense of relief to the owners of the business, leaders of the team, and entrepreneurs. These three categories of people, especially those who are juggling multiple priorities, find that outsourcing offers them a shared responsibility which in turn reduces their emotional load.

    Once the responsibilities are shared with the external partners, the pressure on the internal teams to master every skill or deliver every result is greatly reduced. Rather, they can go on focusing on their core strengths as they are assured that the other parts of the business are being handled by the qualified people.

    Such shared responsibility creates more energy to keep on moving. Projects get accomplished in less time as different teams work in parallel. Workloads become more balanced thus burnout lessens. Among the benefits, stress is lowered and creativity is heightened. Companies may realize that besides the productivity benefits, outsourcing is also helpful in enhancing mental clarity within their organization.

    This change in the leaders’ mentality can thus have a huge impact on their decision-making processes. Instead of being weighed down by the heavy task of doing everything themselves, the leaders now see the next stage of growth and approach it with ​‍​‌‍​‍‌​‍​‌‍​‍‌confidence.

    Strengthening Internal Teams Through Strategic Support

    In​‍​‌‍​‍‌​‍​‌‍​‍‌ fact, outsourcing is generally not perceived by companies as a means of strengthening their own teams but that is exactly what it very often does. When the inside employees are relieved from the tasks that consume their time and energy they are able to commit more of their time to the strategic and meaningful work. This increases their motivation, makes their job satisfaction higher, and develops their professional growth.

    Moreover, the decision to outsource can be viewed as an instrument for the internal cultural development of a company. Team leaders, instead of being bogged down with the operational details, will have more time for mentoring, planning for the future, and strengthening team dynamics. The employees become accustomed to a healthier working environment where everyone has their fair share of the workload and the expectations are clear.

    This, in turn, leads to the creation of a well-balanced mix of internal and external talents that share the same objectives. Companies find out that outsourcing is not a tool for cutting the internal teams but a way to enhance ​‍​‌‍​‍‌​‍​‌‍​‍‌them.

    In the middle of this transformation, many companies begin seeking partners who can provide reliable, skilled support that complements their culture and long-term vision. This search often leads them to regional experts like Connect, who help businesses build durable teams in areas such as development, design, marketing, and operations. Companies that collaborate with trusted partners expand their capabilities without sacrificing their identity or internal harmony.

    Why Outsourcing Ultimately Creates a More Resilient Business

    Resilience​‍​‌‍​‍‌​‍​‌‍​‍‌ is the main characteristic of a business, which is capable of dealing with difficult situations, quickly adapting to them, and, furthermore, even during uncertain times, continuing its growth. It’s hard to imagine, but outsourcing contributes to a company’s resilience in many different ways which most executives are not aware of.

    Firstly, through outsourcing, you diversify your business structure. When a company is internally supported by a single team only, there is a high risk of this support being up to zero if that particular team faces some challenges. On the other hand, by outsourcing, a firm acquires distributed support which is, thus, less vulnerable and, in most cases, stable, hence, it becomes indispensable in situations of a company’s rapid growth, economic changes, and even random disruptions.

    Also, outsourcing leads to financial resilience. What prevents the company from being funded by a full-time recruitment plan for each necessary capability is the presence of co-operations with various companies who provide a certain service. In this way, companies can expand their support while keeping their budgets flexible, plus the risk of financial strains is eliminated.

    Additionally, most importantly, outsourcing leads to the development of a company-wide agile mindset that is characterized by openness to collaboration skills, creative problem-solving and continuous improvement. The ones that have incorporated the practice of outsourcing into their business model are usually the ones who have transformed their company culture into that of an agile one, hence they have better long-term success prospects as they are better prepared to face any challenges which come their ​‍​‌‍​‍‌​‍​‌‍​‍‌way.

    Conclusion: Outsourcing Is More Than a Strategy, It’s a Growth Accelerator

    Most​‍​‌‍​‍‌​‍​‌‍​‍‌ of the times, the unanticipated benefits of outsourcing turn out to be the ones that have the most significant impact on the change. They are still the main reasons for doing it, savings and efficiency, but the real value is the one that has the most impact on the flexibility, innovation, stability, and extended capabilities of a business that result from outsourcing.

    Intentional outsourcing adoption by the companies does not only mean delegation of tasks. They do it to strengthen their internal teams, extend their reach, decrease the loading, and get ready for the future growth. In case you are a startup gathering momentum, a company that is scaling and looking for a stronger infrastructure, or a big organization whose goal is to optimize operations, outsourcing can be the key to unlocking the opportunities that you cannot achieve on your own.

    Outsourcing is not only the matter of doing more, it is about doing better. When you have the right partners, the right attitude, and the vision for the future, it turns into a potent instrument that helps to progress through every stage of business ​‍​‌‍​‍‌​‍​‌‍​‍‌evolution.

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    Robert

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  • How Successful Digital Campaigns Bring in Ready-to-Buy Clients

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    Every​‍​‌‍​‍‌​‍​‌‍​‍‌ business wants clients who are ready to buy not browsers, not information-seekers, but people who already understand their problem and feel confident enough to take action. These businesses that regularly pull in such high-intent buyers in a digital environment are not lucky. They are strategic. They know how digital campaigns operate and how to engineer them in such a way that they filter, nurture, and expedite buyers to a decision.

    Effective digital campaigns do not simply produce awareness, they generate movement. They find, engage, and interact with prospects exactly at the point in their journey where they are most involved, most inquisitive, and most inclined to take the next step. They accomplish this by using psychology, targeting, messaging, and timing, all integrated into one flawless client experience that makes the client feel recognized and supported.

    With competition increasing online and buyers becoming more discerning, the difference between campaigns that attract the right clients and those that struggle is not a matter of budget but of deliberate design. How do successful digital campaigns always manage to attract clients who are already in a buying mindset? Let’s ​‍​‌‍​‍‌​‍​‌‍​‍‌explore.

    Why “Ready-to-Buy” Clients Are Different

    Before​‍​‌‍​‍‌​‍​‌‍​‍‌ we dive into the details of how online campaigns attract clients who are ready to buy, understanding the nature of these people is the first thing that comes to mind. They are not cold leads that require months of education or nurturing. They are not passive observers. They are people who are actively looking for solutions, doing the comparisons, and seeking a service or product that fits their needs.

    These buyers are the ones who already know their pain point. They are actively researching. They are often comparing competitors. They are deciding based on value, trust, and speed.

    The manner and the timing of the communication through which a campaign reaches them is what decides whether they will pick you or another person. It is as if everything becomes more efficient when digital campaigns revolve around the comprehension of this high-intent audience. The cost per acquisition lowers. Lead quality gets better. Conversion rates ​‍​‌‍​‍‌​‍​‌‍​‍‌grow.

    Targeting That Cuts Through the Noise

    Over​‍​‌‍​‍‌​‍​‌‍​‍‌ the years digital advertising platforms have changed significantly. Currently, advertisers may target users based on demographics, interests, and behaviors, as well as, search patterns, purchase intent, professional roles, etc. Buyers with high purchase intent are tracking their online activities everywhere, hence, the winners of the game are the ones whose campaigns can successfully track these footprints.

    Indeed, buyers are telling what they want through search engines and that is in real-time. What buyers feel and what influences them are declared by social media. Retargeting discloses the way buyers are behaving before finally making up their minds. Thus, by combining these elements, you acquire the power to create an audience which is not only sufficiently large for your business to grow but also sufficiently refined to attract buyers who are ready to make a purchase.

    Targeting is not about coming in contact with every person rather it is concerned with getting in touch with the right people at exactly the right time. Digital campaigns which recognize this concept end up addressing their clients directly who are already in need of solutions and are willing to take ​‍​‌‍​‍‌​‍​‌‍​‍‌them.

    Midpoint: Where High-Intent Campaigns Become Scalable

    Most businesses eventually reach a point where they realize that attracting high-intent clients requires not only good targeting and strong messaging, but also strategic systems. This is the transition from basic digital advertising to advanced digital acquisition.

    At this midpoint, companies often begin refining their funnels, enhancing their analytics, and applying advanced optimization strategies. They start exploring deeper segmentation, automated bidding strategies, and multi-channel synchronization.

    And it’s often during this growth stage that they seek deeper insights, support, or professional guidance discovering the value of experienced partners like Leadember who understand how to engineer paid campaigns that consistently attract clients already in a buying mindset. This moment becomes a turning point where businesses recognize that attracting ready-to-buy clients is not just possible, it’s predictable when done correctly.

    When companies reach this stage of strategic maturity, their campaigns stop feeling random and start feeling systematic.

    The Role of Retargeting in Bringing Clients Back at the Right Time

    Even​‍​‌‍​‍‌​‍​‌‍​‍‌ long of interest buyers usually go through the process of making a decision. They look through, compare, and research other options. Retargeting is the main weapon to get them back at the exact time again.

    Retargeting is the method of recalling the visit. It helps the main advantage to be recognized again. It fires up their interest again. It cuts down on the leaving of the site. For quite a few companies, retargeting is the place where the highest return on investment can be achieved as these users are already familiar with your brand and only decide when to commit.

    In effective campaigns, retargeting is like a continuation of the conversation, not a repetition of the same ad. If it is properly carried out, it is the slight push of the buyers who are on the verge of taking ​‍​‌‍​‍‌​‍​‌‍​‍‌action.

    Creating Emotional and Logical Alignment

    The​‍​‌‍​‍‌​‍​‌‍​‍‌ buying decision of a customer is largely based on his emotions but he uses his logic to justify his decision. Pretty much, a high-intent client is especially affected by this emotional and logical forces conflict. Digital campaigns that deliver ready-to-buy leads know how to appeal to both.

    Emotion is what makes the action be taken immediately. Logic is what gives the person confidence.

    It is very likely that a campaign recognizing a buyer’s frustration and then offering a clear, logical way out will convert the buyer to the next level of the journey. This emotional-logical alignment is one of the most significant psychological factors behind high-intent decision-making.

    Conclusion: Successful Digital Campaigns Create Clarity, Confidence, and Momentum

    Ready-to-buy​‍​‌‍​‍‌​‍​‌‍​‍‌ clients are not just “hit by luck” rather they are the output of well thought digital strategy. Essentially, a successful campaign is the strategic combination of positioning, targeting, messaging, timing, and trust elements that create a coherent experience which, in turn, directly addresses the buyers who have the highest value.

    Such campaigns do not simply result in clicks; they clarify. They do not merely raise awareness but rather they instill confidence. And to add to it, they do not only attract leads but also the right leads at the right time.

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    Robert

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  • How to Measure ROI: Demonstrating Impact Using Case Management Solutions

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    “Do we really need this software?”

    That’s the question that lands in your inbox the moment budget season rolls around. Maybe it’s from finance. Maybe a board member. Maybe your own director, squinting at a spreadsheet and asking why that line item just keeps growing.

    And honestly? It’s fair.

    In environments where every dollar has to pull double duty, proving ROI isn’t optional—it’s survival. But here’s the twist: if you’re using the right case management solutions, you already have the data. You just need to know how to make it speak.

    Wait—What Does ROI Even Mean for Human Services?

    Let’s address the elephant in the office: ROI in social impact work isn’t about profit margins or quarterly earnings.

    It’s about efficiency, outcomes, and funding confidence.

    You’re asking:

    • Are we serving more people with the same (or fewer) resources?
    • Are our interventions working?
    • Can we prove it—clearly and quickly—when funders or auditors ask?

    That’s ROI. It’s not about padding the bottom line—it’s about proving you’re a smart steward of mission-critical resources.

    Start With the “Cost” Side of the Equation

    Let’s break it down.

    When you’re evaluating ROI, the “investment” part is often obvious. Licenses. Implementation. Training. Time.

    But what’s less obvious (and often overlooked) is the cost of not having the right system in place.

    • Manual data entry = staff burnout.
    • Disconnected spreadsheets = reporting delays.
    • No centralized record = duplicated services, frustrated clients.

    With modern case management solutions like Casebook, those inefficiencies are where the savings begin.

    Now Let’s Talk Returns: What Good Case Management Actually Delivers

    Here’s what to track when you want to put a number—or at least a narrative—behind your system’s value.

    1. Time Saved per Case

    If your staff was spending 3 hours per intake before and now spends 1.5, that’s a win. Multiply it by your monthly case volume and you suddenly have a compelling stat.

    → “We reclaimed 60 staff hours per month just by switching to a streamlined intake workflow.”

    Time is money, yes. But it’s also morale, capacity, and margin for actual service—not just administration.

    2. Case Throughput and Resolution Speed

    How many cases can your team handle in a week? How quickly are they moving toward closure?

    With automated reminders, status tracking, and form templates, case management platforms reduce lag time—especially in complex multi-touch cases.

    → “Our average resolution time dropped by 32%—from 21 days to 14.3 days—after implementing our new platform.”

    That’s not fluff. That’s your next grant justification.

    3. Compliance and Audit Readiness

    This is the ROI nobody brags about until they’re in the hot seat.

    When your data is centralized, timestamped, and exportable with a few clicks, audits stop being a multi-week scramble.

    → “We passed our annual audit with zero corrective actions—and saved an estimated 40 hours of prep time.”

    Compliance is a cost center until you streamline it. Then it becomes a competitive edge.

    4. Funder Reporting and Grant Retention

    Speaking of competitive edges: funders love transparency. But more than that, they love results.

    The right case management solution gives you real-time dashboards, outcome tracking, and customizable reports that make logic models less of a nightmare.

    → “We secured two grant renewals after using our case data to prove a 22% increase in positive client outcomes.”

    Good data makes for good storytelling. Funders fund what they can see working.

    5. Staff Retention (Yes, Really)

    Want to talk soft ROI? Here’s one with hard implications.

    Caseworkers drowning in administrative chaos burn out fast. Give them a system that works with them—mobile access, clean UI, fewer duplicate tasks—and you create breathing room.

    → “Our staff turnover dropped 18% in the first year after adopting a modern case management solution.”

    Replacing burned-out staff costs time, money, and institutional memory. Keep your team? That’s a return worth noting.

    So… How Do You Actually Track ROI in Real Life?

    Glad you asked. Here’s a lightweight framework:

    • Baseline First – Capture your current process: average case time, number of cases, common delays, reporting prep hours.
    • Set Benchmarks – What would success look like? A 25% reduction in admin hours? Faster intake? Smarter reporting?
    • Log Results – Track key metrics monthly or quarterly. Use your software’s built-in analytics to export visuals (not just raw data).
    • Share Impact – Don’t keep it in a folder. Present results to leadership, funders, and frontline staff. It validates their effort and strengthens your case for tech investment.

    Choosing the Right Tool Matters (A Lot)

    Not all platforms are built for impact work.

    Some are designed for billing. Others for internal tracking with zero emphasis on outcomes. Look for case management solutions that were built with nonprofits, human services, and community orgs in mind.

    Bonus: if the pricing is transparent and scalable? That’s ROI before you even log in.

    Final Thought: If You Can’t Prove It, You Can’t Protect It

    Programs that don’t show impact get defunded. Teams that can’t demonstrate value get downsized. It’s not cynical—it’s reality.

    The good news? Case management systems aren’t just digital filing cabinets anymore. They’re impact engines.

    If your software is helping your team move faster, serve better, and report smarter—make sure everyone knows.

    Because if you don’t show the value, someone else might decide it’s not there.

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    Robert

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  • Keeping Thanksgiving costs down with some help from AI

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    Thanksgiving costs are down from last year, according to the American Farm Bureau Federation, but budgets remain tight for many this season. “CBS Saturday Morning” has some ways to save on your feast this year, including how to use AI to cut costs.

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  • Seattle City Council passes 2026 budget with record investments in housing, homelessness

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    The Seattle City Council unanimously passed the 2026 city budget on Friday, adopting record-high investments in housing, public safety and affordability.

    By the numbers:

    The budget includes about $8.9 billion in appropriations, with around $7 billion for services and operations, and $2 billion going toward infrastructure and improvement projects.

    Of the issues outlined in the budget was affordable housing, which a record $349 million has been allocated for, along with nearly $65 million for social housing.

    As for homelessness, the city will set aside $9 million to protect shelter beds at risk of federal cuts. There’s a focus on expanding food access and supporting senior centers.

    The city is also increasing spending on public safety, investing in Seattle Police and Fire, drug treatment options, and a plethora of community safety programs.

    What’s next:

    The 2026 budget will now head to Mayor Bruce Harrell for signature, and will become the blueprint for mayor-elect Katie Wilson and her administration when she takes over next year.

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    No, Mount Rainier isn’t about to erupt. Seattle scientists debunk rumors

    To get the best local news, weather and sports in Seattle for free, sign up for the daily FOX Seattle Newsletter.

    Download the free FOX LOCAL app for mobile in the Apple App Store or Google Play Store for live Seattle news, top stories, weather updates and more local and national news.

    The Source: Information in this story came from the Seattle City Council, City of Seattle and FOX 13 Seattle reporting.

    SeattleMoneyNews

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    Will.Wixey@fox.com (Will Wixey)

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  • Amazon is issuing Prime refunds as part of an FTC settlement. Here’s who’s eligible and what you’ll get

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    Amazon began the process of issuing refunds to eligible Prime members this week as part of a large settlement the company agreed to over federal allegations that it misled customers.Related video above: Amazon Scam exposed — Don’t fall for this refund text trickIn 2023, the Federal Trade Commission filed a lawsuit against Amazon. In it, and in media releases since, the FTC has said the company “enrolled millions of people in Prime subscriptions without their consent – and then made it hard for those unwilling Prime subscribers to cancel.”On Sept. 25, 2025, Amazon, without admitting liability, reached a $2.5 billion settlement with the FTC. “Amazon and our executives have always followed the law and this settlement allows us to move forward and focus on innovating for customers,” Amazon said upon reaching the settlement. “We work incredibly hard to make it clear and simple for customers to both sign up or cancel their Prime membership, and to offer substantial value for our many millions of loyal Prime members around the world. We will continue to do so, and look forward to what we’ll deliver for Prime members in the coming years.”As part of the agreement, Amazon agreed to offer $1.5 billion in refunds to eligible customers. So, do you qualify? Here’s everything we know about the Amazon refunds.When are refund payments being sent out? Amazon has already started the process of issuing automatic refunds to eligible Prime customers. The automatic payments began being doled out on Nov. 12, and that process will continue through Dec. 24, 2025. How much money will I get? According to the FTC, under the settlement, eligible Prime customers can receive a refund of their Amazon Prime subscription fees, up to $51.Who is eligible for the automatic refunds? To qualify for the automatic refund, you had to have signed up for Amazon Prime in the U.S. between June 23, 2019, and June 23, 2025.Customers only qualify if they signed up for an Amazon Prime subscription through a “challenged enrollment flow,” which the FTC says includes “the universal Prime decision page, shipping selection page, single page checkout, or the Prime Video enrollment flow.”If you’re unsure of whether you signed up through a challenged enrollment flow, you don’t need to worry. According to an FAQ document linked to the FTC’s alert about the refund payments, “you will not need to determine whether or not you signed up through a Challenged Enrollment Flow. That analysis is being completed for you.”Furthermore, to qualify, you must have used no more than three “Amazon Prime Benefits” in “any 12-month period following Amazon Prime enrollment,” according to the FTC. Those benefits include Prime Music or Prime Video products offered for free to Prime subscribers.How will payments be issued? Those who are eligible will receive an email. The FTC says refunds must be accepted within 15 days. Refunds can be issued via PayPal or Venmo. However, those who would rather get a check should “ignore the email from Amazon,” the FTC said in its alert. If you do not claim the PayPal or Venmo payment, a check will be sent to the default shipping address listed on your Prime subscription. The checks must be cashed within 60 days, the FTC said.What if I didn’t get an automatic refund?If you think you are eligible but don’t get an automatic refund, the FTC says you “don’t need to do anything right now.””In 2026, Amazon will begin its claims process for eligible Prime customers who didn’t get an automatic refund between November and December 2025,” the FTC said in its alert, adding, “You don’t need to contact the FTC to receive a refund.”The FTC said it will update its “Amazon Refunds” webpage when the claims process begins.You can also sign up to receive emails by going to this website.Don’t fall for scamsIn its alert about the automatic refunds, the FTC is cautioning consumers that the FTC “will never ask you to pay to get a refund.””Don’t pay anyone who promises you a refund in exchange for a fee. And don’t give personal information to anyone who contacts you promising a refund,” the FTC said.

    Amazon began the process of issuing refunds to eligible Prime members this week as part of a large settlement the company agreed to over federal allegations that it misled customers.

    Related video above: Amazon Scam exposed — Don’t fall for this refund text trick

    In 2023, the Federal Trade Commission filed a lawsuit against Amazon. In it, and in media releases since, the FTC has said the company “enrolled millions of people in Prime subscriptions without their consent – and then made it hard for those unwilling Prime subscribers to cancel.”

    On Sept. 25, 2025, Amazon, without admitting liability, reached a $2.5 billion settlement with the FTC.

    “Amazon and our executives have always followed the law and this settlement allows us to move forward and focus on innovating for customers,” Amazon said upon reaching the settlement. “We work incredibly hard to make it clear and simple for customers to both sign up or cancel their Prime membership, and to offer substantial value for our many millions of loyal Prime members around the world. We will continue to do so, and look forward to what we’ll deliver for Prime members in the coming years.”

    As part of the agreement, Amazon agreed to offer $1.5 billion in refunds to eligible customers.

    So, do you qualify? Here’s everything we know about the Amazon refunds.

    When are refund payments being sent out?

    Amazon has already started the process of issuing automatic refunds to eligible Prime customers.

    The automatic payments began being doled out on Nov. 12, and that process will continue through Dec. 24, 2025.

    How much money will I get?

    According to the FTC, under the settlement, eligible Prime customers can receive a refund of their Amazon Prime subscription fees, up to $51.

    Who is eligible for the automatic refunds?

    To qualify for the automatic refund, you had to have signed up for Amazon Prime in the U.S. between June 23, 2019, and June 23, 2025.

    Customers only qualify if they signed up for an Amazon Prime subscription through a “challenged enrollment flow,” which the FTC says includes “the universal Prime decision page, shipping selection page, single page checkout, or the Prime Video enrollment flow.”

    If you’re unsure of whether you signed up through a challenged enrollment flow, you don’t need to worry. According to an FAQ document linked to the FTC’s alert about the refund payments, “you will not need to determine whether or not you signed up through a Challenged Enrollment Flow. That analysis is being completed for you.”

    Furthermore, to qualify, you must have used no more than three “Amazon Prime Benefits” in “any 12-month period following Amazon Prime enrollment,” according to the FTC.

    Those benefits include Prime Music or Prime Video products offered for free to Prime subscribers.

    How will payments be issued?

    Those who are eligible will receive an email. The FTC says refunds must be accepted within 15 days.

    Refunds can be issued via PayPal or Venmo. However, those who would rather get a check should “ignore the email from Amazon,” the FTC said in its alert. If you do not claim the PayPal or Venmo payment, a check will be sent to the default shipping address listed on your Prime subscription. The checks must be cashed within 60 days, the FTC said.

    What if I didn’t get an automatic refund?

    If you think you are eligible but don’t get an automatic refund, the FTC says you “don’t need to do anything right now.”

    “In 2026, Amazon will begin its claims process for eligible Prime customers who didn’t get an automatic refund between November and December 2025,” the FTC said in its alert, adding, “You don’t need to contact the FTC to receive a refund.”

    The FTC said it will update its “Amazon Refunds” webpage when the claims process begins.

    You can also sign up to receive emails by going to this website.

    Don’t fall for scams

    In its alert about the automatic refunds, the FTC is cautioning consumers that the FTC “will never ask you to pay to get a refund.”

    “Don’t pay anyone who promises you a refund in exchange for a fee. And don’t give personal information to anyone who contacts you promising a refund,” the FTC said.

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  • Using Your Industry Connections to Help Grow Your Startup Business

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    Launching a new business can be really exciting, but it’s rarely easy. Many demands come quickly to new entrepreneurs, and while some early signs of growth can be motivating, sustaining them requires a lot of effort.

    In an effort to stay focused on achieving certain growth milestones, many business owners keep their pedal to the metal. However, this can often create a bit of tunnel vision, typically leading them to rely solely on their own vision and strategies. This can be a mistake, especially since most business owners have an extensive network of professionals whom they can tap into for support.

    Below, we’ll discuss how you can use your current industry connections to help grow your startup business successfully.

    Use Referrals to Grow Your Teams

    Having the right team for your startup company is critical. Unfortunately, when your business is just starting out, it can often be difficult to compete with larger organizations with proven track records or who may be able to offer more benefits.

    In these cases, your professional network can be a bit of help. Start reaching out to people you trust, such as former coworkers, friends, or other industry contacts that may be well-connected in your industry. Many of these individuals may be able to offer referrals to professionals who may not be actively searching for employment and can help you simplify your candidate search.

    Leverage Relationships for Funding Opportunities

    There is a lot of planning and orchestration that can go into running a startup, and all of this requires capital. For example, you’ll likely need to invest in sales and marketing, recruitment efforts, product development, and the list goes on. But finding the funding for all of these initiatives is rarely easy.

    This is where networking can be invaluable. By regularly attending tradeshows and conferences in your industry, you have the ability to connect with potential investors or financial organizations looking to help support startup businesses. You could also leverage your existing contacts to help provide the necessary introductions with other professionals looking for new investment opportunities.

    Build More Brand Awareness

    Being able to build brand awareness quickly and efficiently is a key part of startup business success. If your customers don’t understand your products and services or can’t find you, it’s next to impossible to get your foot in the door of your industry.

    Collaborating with other industry professionals is a great way to not only get the word out about your brand, but it also helps unlock a variety of new opportunities for cross-marketing initiatives or other cobranded efforts that help you build the business.

    For example, if you specialize in home renovations and are looking for ways to expand your presence, connecting with contractors and suppliers is a great way to cross-promote services. Any time you come across clients looking for services outside your scope, you can refer them to your partners, who will then, in turn, do the same for you. This is a great way to grow your awareness passively and can be a good source of leads as you grow.

    Extract Helpful Information from Experienced Contacts

    Running a business can sometimes feel isolating, especially when you’re trying to navigate pricing issues or deal with other operational setbacks. However, it’s important to remember that you don’t have to tackle all of these growth issues on your own.

    Your existing network can be a great resource to rely on when you don’t feel like you have all the right answers. Reaching out for guidance from various mentors or advisors in your network can often give you the insight you may have been missing to avoid walking down paths that eat into profits or slow down your growth.

    Stay Up-to-Date With Industry News

    A big part of running a successful startup business is knowing how to keep your products and services relevant. There are all sorts of things that can impact the efficiency of your operations, including changes in technology, new compliance trends, or shifting customer preferences.

    While all of this information can seem overwhelming, professional networks like LinkedIn can be a great way to stay on top of it all while tracking these details in one place. You can set up personalized update feeds from all your contacts that notify you as soon as significant changes begin to impact your industry. This enables you to maintain a flexible business approach, allowing you to adjust your strategies as new information becomes available.

    Start Strengthening Your Startup

    The beginning stages of a startup are full of potential, but there are also a lot of ways for business owners to stray away from the right path. By leveraging your professional network, you can simplify many of the operational elements of your business while learning from the experiences of others on how to grow your company successfully.

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    Dalip Jaggi

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  • How to Get the Best Mortgage Rate for Your Next Home Purchase

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    Buying a home is a major milestone and one of the biggest financial decisions you will ever make.

    A big part of this process is securing the best mortgage rate. Even a small difference in rates can save you thousands of pesos or dollars over the life of your loan. With the right planning and smart choices, you can lower your rate and make your home purchase more affordable.

    This guide will walk you through simple, clear steps to help you get the best mortgage rate possible.

    Understanding How Mortgage Rates Work

    Before you begin the mortgage process, understanding how mortgage rates work will help you make better decisions. Rates change often, and several factors influence them. Learning these basics gives you more control during the buying process.

    What Mortgage Rates Represent

    Mortgage rates reflect how much interest you will pay on the money you borrow. They are shown as a percentage and directly affect your monthly payments. A lower rate means you pay less interest overall, helping you save a significant amount over time.

    Fixed vs. Adjustable Rates

    A fixed-rate mortgage keeps the same interest rate for the duration of the entire loan term. This means your monthly payments remain steady, making it easier to plan your budget. An adjustable-rate mortgage (ARM) begins with a lower rate, but it can increase or decrease later, making your payments less predictable.

    How Lenders Determine Rates

    Lenders evaluate your financial profile to decide how much of a risk you are. They look at your credit score, debt load, income, and employment history to judge your ability to repay. The stronger your financial position, the more likely you are to receive a lower and more competitive rate.

    Strengthen Your Financial Profile Before Applying

    Your financial health plays a major role in determining the mortgage rate you qualify for. Preparing early gives you more leverage with lenders. Focusing on the right areas can make a big difference in the offer you receive.

    Review Your Credit Score

    Your credit score shows lenders how well you manage debt. A higher score tells them you are responsible with payments, which makes them more confident in approving you. Checking your report early allows you to fix errors and improve your standing before you apply.

    Improve Your Debt-to-Income Ratio

    Your debt-to-income (DTI) ratio reveals how much of your income goes toward debt. A lower DTI tells lenders you can handle a mortgage payment without stretching your finances too thin. Paying down existing debt or increasing your income will help you improve this number before applying.

    Save for a Larger Down Payment

    A larger down payment lowers the amount you need to borrow from the lender. This makes you a safer borrower and often results in a lower interest rate. Even increasing your down payment slightly can reduce your monthly payments and overall loan cost.

    Shop Around and Compare Lenders

    Different lenders offer different mortgage rates, even on the same day. Taking time to compare options ensures you don’t overpay. Shopping around gives you power and helps you secure the best deal available.

    Why It Pays to Compare

    Not all lenders use the same standards, so their rates and fees can vary. Comparing offers helps you see which lenders are competitive and which ones charge more. A helpful place to explore mortgage products is Emetropolitan.com, where you can view different loan options in one place.

    Look at Online Lenders, Banks, and Credit Unions

    Each type of lender has unique strengths that may benefit different borrowers. Banks offer stability and full services, credit unions often provide lower rates, and online lenders give fast processing. Getting quotes from all three helps you understand the full range of available choices.

    Request Loan Estimates

    A Loan Estimate (LE) outlines the key details of your mortgage, such as the interest rate, monthly payment, and closing costs. Comparing these documents side by side shows which lender truly offers the best deal. This makes it easier to choose a loan that fits your budget and long-term goals.

    Choose the Right Loan Type and Term

    Choosing the right loan structure can help you get a better rate. The loan type and term affect your monthly payment and total interest. Understanding your choices helps you make a smart and affordable decision.

    30-Year vs. 15-Year Mortgage

    A 30-year mortgage gives you smaller monthly payments by stretching the loan over a longer period. A 15-year mortgage has higher monthly payments but a lower interest rate and saves you more money long-term. Choosing between the two depends on your income, financial stability, and long-term plans.

    Different Loan Types

    Each loan type has its own rules and benefits. Conventional loans work best for people with strong credit, while FHA loans help buyers with lower scores. VA and USDA loans offer unique advantages for qualified borrowers, making it easier to secure better terms if you are eligible.

    Lock In Your Rate at the Right Time

    Mortgage rates can change daily based on market conditions. Locking in your rate protects you from sudden increases while your loan is being processed. This gives you peace of mind as you finalize your home purchase.

    Take Advantage of Market Conditions

    Market trends have a significant impact on mortgage rates. Understanding these trends allows you to choose the best moment to apply. Timing can make a real difference in the rate you receive.

    Watch Economic Trends

    Rates often rise when inflation is high and fall when the economy slows. Paying attention to economic news helps you anticipate possible rate changes. This knowledge helps you apply at a moment when rates are more favorable.

    Monitor Your Local Housing Market

    Local housing supply and demand can influence mortgage pricing. When fewer people are buying, lenders may offer more competitive rates to attract borrowers. Watching these trends can help you decide when to move forward with your loan application.

    Consider Seasonal Trends

    Spring and summer are busy homebuying seasons, which can lead to slightly higher rates. Fall and winter often bring less competition, giving lenders more incentive to offer lower rates. Keeping seasonal patterns in mind helps you improve your timing.

    Secure the Best Mortgage Rate with Confidence

    Securing the best mortgage rate takes preparation, timing, and smart decision-making. Take the next step today by reviewing your finances, exploring your loan options, and preparing early so you can lock in the best rate for your next home.

    Looking for more tips to help you out? Check out what else we have available on our blog!

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    Robert

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  • Tailored Health Solutions: The Role of a Compounding Pharmacy in Care

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    Health needs are different for every person. What works for one patient may not work for another. Standard medications are helpful, but they do not always match individual needs. This is where a compounding pharmacy becomes important.

    In this article, you’ll learn how compounding pharmacies create custom medications, why they matter, and how they support better care.

    What Is a Compounding Pharmacy?

    A compounding pharmacy makes medications that are customized for each patient. Instead of offering only mass-produced drugs, a compounding pharmacist can change the strength, form, or ingredients based on what the doctor prescribes.

    These pharmacies follow strict safety rules and use high-quality ingredients to make sure each medication is safe and accurate. Because of this, doctors and patients gain more control over treatment options.

    Why Personalized Medication Matters

    People react to medications in different ways. Some may be sensitive to certain ingredients. Others may struggle with a specific dose or form. Personalized medication makes sure each patient gets what fits them best.

    This approach can also improve comfort and convenience. When patients feel confident taking their medicine, they are more likely to stay consistent. This leads to better results over time.

    Creating Medication That Fits Individual Needs

    Compounding pharmacies solve many common medication challenges. One of the biggest benefits is the ability to create different forms of a drug. If a patient cannot swallow pills, the medication can be prepared as a liquid, cream, or chewable.

    A compounding pharmacy can also remove allergens like dyes, gluten, or preservatives. This is helpful for people with sensitivities or medical restrictions. In some cases, pharmacists can combine several medications into one dose to make daily routines easier.

    Many patients and providers use www.NorthwestCompounders.com to learn more about custom medication options and how they can fit personal needs.

    Supporting People With Allergies and Sensitivities

    Some patients cannot take standard medications because of certain additives. Compounding pharmacies can create versions without these ingredients, lowering the chance of allergic reactions or side effects.

    This service is especially useful for children, seniors, and people with conditions that limit what they can take. Being able to access safer alternatives helps them stay on their treatment plan without discomfort.

    Helping Children, Seniors, and Pets

    Compounding pharmacies help people of all ages. Children may struggle with the taste or texture of medicine. Pharmacists can add kid-friendly flavors or create liquid forms that are easier to take.

    Seniors may need adjusted doses or medications combined into a single formula to help with their daily schedule. Even pets benefit from compounded medications, especially when flavoring makes them easier to give.

    These changes make everyday medication routines much less stressful.

    Filling Gaps When Medications Are Unavailable

    There are times when a medication is discontinued or out of stock. A compounding pharmacy can often prepare the needed formula based on a doctor’s prescription. This helps patients stay on their treatment even when commercial products are hard to find.

    Having access to these options gives patients and caregivers peace of mind, knowing that care will not be interrupted.

    Personalized Care Starts With the Right Pharmacy

    Compounding pharmacies help make healthcare more personal and more effective. By creating medications designed for each patient, they remove many barriers to good treatment.

    If you think customized medication could help you or someone you care for, talk to your healthcare provider about using a compounding pharmacy. It may be the key to better comfort, better results, and better long-term health.

    Find solutions tailored to your needs-start exploring more articles today!

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    Robert

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  • Antihistamine Eye Drops 101: What You Should Know Before You Use Them

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    Let’s paint the picture.

    You’re outside on a perfect spring day. The sun’s out. The birds are singing. You’re trying to enjoy it—really, you are.

    But your eyes have other plans.

    They itch. They water. They burn. You’re mid-conversation, but also mid-scratch. And forget makeup—pollen season turns your face into a Jackson Pollock.

    Welcome to the wild world of seasonal allergies, where your immune system treats harmless things (like tree pollen or your friend’s cat) like a full-blown biological threat.

    If your symptoms land mostly in your eyes, there’s a solution you’ve probably heard about but might not fully understand: antihistamine eye drops.

    Simple in form. Powerful in function. And incredibly underrated—if you know how to use them right.

    Here’s your crash course in what they are, how they work, and what to know before you start using them.

    First off: What are antihistamine eye drops, anyway?

    In short: They’re allergy-fighting liquids you put directly in your eyes to stop allergy symptoms at the source.

    Think redness, itching, tearing, swelling. Gone—or at least very minimized.

    They work by blocking histamine, the chemical your body releases when it thinks it’s under attack. Histamine is what causes the “classic” allergy symptoms—runny nose, puffy eyes, that miserable, itchy sensation under your eyelids.

    While oral antihistamines help systemically, eye drops bring the meds directly to the battlefield—fast, focused, and without the side effects like drowsiness or dry mouth.

    When Should You Use Them?

    • Seasonal allergies: Pollen, ragweed, grass. You name it.
    • Pet dander sensitivity: That adorable cat you can’t snuggle without consequences.
    • Dust and mold exposure: Especially in dry, indoor winter months.
    • Contact lens irritation (allergy-related): Some formulations are safe for lens wearers, others not—more on that below.

    In other words: If your eyes feel like they’re staging a protest against springtime or your aunt’s Shih Tzu, antihistamine eye drops could be your new best friend.

    How Fast Do They Work?

    Many over-the-counter (OTC) antihistamine drops start working within minutes—some even within 5–10 minutes after application.

    You’ll likely feel that blissful cooling sensation and a rapid reduction in itch. For maximum benefit, regular use during your allergy window is key.

    Some prescription drops offer longer-lasting relief or added anti-inflammatory benefits, and they may only need to be used once or twice a day.

    What’s the Difference Between OTC and Prescription Drops?

    Over-the-Counter (OTC):

    • Great for mild to moderate symptoms
    • Easy to access at any pharmacy
    • Examples: Ketotifen (Alaway, Zaditor), Pheniramine (Naphcon-A)

    Prescription:

    • More potent or longer-lasting
    • Often include a second agent like a mast cell stabilizer to prevent histamine release
    • Examples: Olopatadine (Pazeo, Pataday Rx), Azelastine (Optivar)

    If your symptoms are relentless or your OTC drops barely make a dent, it might be time to level up.

    Side Effects? Let’s Talk

    Antihistamine eye drops are generally well tolerated. But just like any medication, they come with potential side effects.

    The most common?

    • Temporary burning or stinging after application
    • Mild dryness
    • Occasional blurred vision (just for a few minutes)

    Less common, but worth noting:

    • Eye redness worsening (especially if overused)
    • Headache or slight dizziness
    • Rebound symptoms if used too frequently with decongestant-containing eye drops

    Bottom line: If something feels off—or if the drops make your eyes feel worse—stop using them and check in with a provider.

    Contact Lens Wearer? Read This Part Twice.

    Not all antihistamine eye drops play nice with contacts. Some contain preservatives that can cling to lenses and cause irritation.

    Here’s what you can do:

    • Use drops that are labeled safe for contact lenses, or
    • Remove your lenses, apply drops, and wait 10–15 minutes before reinserting
    • Better yet, ask your provider about preservative-free options

    Because nothing says “bad day” like an itchy eye and a scratched cornea.

    The Smart Way to Start Using Antihistamine Drops

    1. Start early. Use them before peak allergy season begins. Think of it like allergy armor.
    2. Stick to a schedule. Consistency matters—especially with prescription options.
    3. Store them right. Keep drops in a cool, dry place (but not the fridge unless instructed).
    4. Don’t share. Ever. That’s how you get eye infections.
    5. Use proper technique. Tilt back, pull down your lower lid, and aim for the pocket—not directly on your eyeball. Close your eye gently, and press the inner corner to keep the meds in.

    Getting Antihistamine Drops Doesn’t Have to Be a Hassle

    Historically, getting prescription eye drops meant calling your doctor, booking an appointment, and waiting… and waiting.

    But with new direct-to-consumer platforms like Vizz, you can now access powerful presbyopia and allergy treatments with upfront pricing and modern convenience—no endless hold music required.

    Translation? You can go from itchy eyes to sharp relief faster than you can sneeze.

    Final Word: Don’t Let Allergies Own Your Eyes

    If you’re tired of dabbing your eyes with tissues, ducking out of sunny days, or avoiding cats like they’re biohazards—antihistamine eye drops might just change your life.

    They’re fast. Effective. And now, more accessible than ever.

    Because spring should come with sunshine and flowers… not a side of eye-rage.

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    Robert

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  • Elon Musk’s SpaceX drives $13 billion economic impact in South Texas

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    BROWNSVILLE, Texas — A recent report indicates that SpaceX is generating immense economic growth in South Texas, where the company recently established its rocket launching facility.

    According to an impact study released by Cameron County, the company’s Starbase headquarters have added over $13 billion to the South Texas economy over the past two years.

    The growth comes after Elon Musk officially moved his company’s headquarters in 2024 from California to Starbase, a corporate community that was incorporated by Cameron County residents in a nearly unanimous vote this May.

    The move has supported 24,000 direct and indirect jobs across the region in the past two years, according to the report. In 2024, the complex employed 3,400 people. This year an additional 900 jobs were reported, and county officials said they expect this growth to continue. According to the Rio Grande Guardian, Commissioner Tino Villarreal said by next year the facility is expected to employ up to 8,000 people.

    “While Starbase operates close to the coast, every city in Cameron County and the Rio Grande Valley shares in the benefits — stronger schools, more tourism, and new high-paying job opportunities,” Judge Eddie Treviño Jr. said in a statement. “As SpaceX expands their production capabilities, bringing high-paying manufacturing and engineering jobs directly to Starbase, we will continue to see a new age of growth for all of South Texas happening right here in Cameron County.”

    In the report, SpaceX said it has also generated more than $305 million in indirect tax revenue over the past two years. In 2024, the company said it did business with over 350 suppliers, putting $147 million into the regional supply chain.

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    Laura Baker

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  • Why Access Control Systems Are Essential For Home and Office Security

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    Security is a top priority for both homeowners and businesses. Traditional locks and keys are no longer sufficient to protect valuable assets, sensitive information, or personal safety. This is where access control systems play a vital role. By regulating who can enter specific areas and monitoring movement, these systems offer a modern, effective solution for comprehensive security.

    Enhanced Security and Safety

    One of the most obvious benefits of access control systems is the significant enhancement of security. Unlike conventional locks, these systems allow for precise control over who enters a property or specific areas within it. For instance, in an office environment, access control can ensure that only authorized personnel can enter sensitive areas like server rooms or executive offices. This drastically reduces the risk of theft, data breaches, and unauthorized access. In residential settings, homeowners can monitor who enters their property, enhancing safety for family members and deterring potential intruders.

    Convenience and Flexibility

    Access control systems are not only about security; they also offer unparalleled convenience. Many systems operate using keycards, biometric scans, or mobile apps, eliminating the need for physical keys that can be lost or duplicated. Homeowners can grant temporary access to visitors, maintenance workers, or service providers without handing over a permanent key. Similarly, businesses can easily adjust employee access levels based on roles or schedules. For offices and homes seeking the latest in security technology, investing in access control systems ensures both safety and convenience. This flexibility allows security measures to work seamlessly without disrupting daily operations or household routines.

    Monitoring and Accountability

    Another significant advantage of access control is the ability to monitor and track entry and exit activity. Advanced systems maintain detailed logs of who accessed which areas and at what time. For offices, this feature enhances accountability and can be invaluable for auditing, investigations, or ensuring compliance with safety regulations. At home, it provides peace of mind by keeping a digital record of everyone entering the property, helping homeowners detect unusual patterns or unauthorized attempts.

    Integration with Other Security Measures

    Modern access control systems can seamlessly integrate with other security measures such as surveillance cameras, alarm systems, and visitor management software. This integration creates a comprehensive security ecosystem that not only prevents unauthorized access but also responds to security incidents effectively. For example, if a door is forced open, the system can trigger alarms and alert security personnel or homeowners immediately. Such capabilities make access control systems an indispensable component of any security strategy.

    Scalability and Cost Effectiveness

    Whether for a small home or a large office building, access control systems are highly scalable. They can be customized to suit the size of the property, number of users, and specific security needs. Over time, these systems can also be more cost-effective than traditional locks and keys, reducing the risk of theft, minimizing insurance costs, and lowering the administrative burden of managing multiple keys.

    In conclusion, the combination of enhanced security, convenience, monitoring capabilities, and integration potential makes access control systems an essential investment for homes and offices alike. By implementing these systems, property owners can protect their assets, maintain accountability, and create a safer environment for everyone.

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    Robert

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  • Making Motorcycle Shipping Simple and Secure

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    Shipping a motorcycle can seem daunting, whether you’re relocating across the state or purchasing a bike from out of town. The thought of entrusting your prized machine to a shipping service may raise concerns about safety, cost, and logistics. However, with the right preparation and knowledge, motorcycle shipping can be both simple and secure. Here’s how to ensure a smooth experience from start to finish.

    Understanding Your Shipping Options

    The first step in motorcycle shipping is understanding the options available. Broadly, you’ll encounter two main methods: open transport and enclosed transport. Open transport is similar to how cars are moved on standard auto carriers, offering a cost-effective solution but leaving your bike exposed to the elements. Enclosed transport provides a protective environment, shielding your motorcycle from weather, debris, and road hazards. While slightly more expensive, enclosed transport is ideal for high-value or vintage motorcycles.

    Choosing the right method depends on your priorities. If protection and peace of mind are paramount, enclosed transport is worth the investment. For more routine moves, open transport can provide a balance between cost and convenience.

    Preparing Your Motorcycle for Shipping

    Proper preparation is key to ensuring your motorcycle arrives safely. Begin by thoroughly cleaning the bike, as this allows you to inspect for any pre-existing damage and makes it easier to document the condition for insurance purposes. Take clear photographs from multiple angles, focusing on areas prone to scratches or dents.

    Next, check all mechanical components. Ensure the tires are inflated to the correct pressure, the battery is fully charged or disconnected, and fuel levels are minimal to comply with transport regulations. Removing loose accessories such as saddlebags, mirrors, or aftermarket components can prevent damage during transit.

    Choosing a Reliable Shipping Provider

    Selecting a trustworthy shipping provider is perhaps the most crucial step. Look for companies that specialize in motorcycles and have a proven track record of secure deliveries. Reading reviews, requesting references, and confirming insurance coverage can help you make an informed choice.

    If you’re looking for North Dakota motorcycle shipping, as an example, ensure that the provider operates within the state and offers the level of protection you need. A reputable transporter will provide clear timelines, tracking options, and professional handling, giving you confidence throughout the journey.

    Securing Your Motorcycle During Transit

    Once your provider is chosen, securing the bike for transit is essential. Professional shipping companies use straps, wheel chocks, and padding to stabilize motorcycles on the carrier.

    However, if you’re handling some of the preparation yourself, make sure the bike is upright, tightly secured, and balanced to prevent tipping. Double-check that straps are fastened to strong points on the frame rather than delicate parts like mirrors or handlebars.

    Staying Informed Throughout the Process

    Communication is a vital aspect of safe motorcycle shipping. A reputable company will keep you updated on the progress of your shipment, from pickup to delivery. Many providers offer tracking systems so you can monitor your bike in real-time, giving you peace of mind.

    Additionally, ensure you understand the delivery process. Clarify whether you will need to be present for pickup and drop-off, and confirm the estimated delivery window. Being proactive in communication can prevent surprises and ensure a smooth experience.

    Final Thoughts

    Shipping a motorcycle doesn’t have to be stressful. By understanding your options, preparing your bike carefully, choosing a reliable provider, and staying informed throughout the process, you can make motorcycle shipping simple and secure. Whether it’s a local move or a cross-state journey, following these steps ensures your bike arrives safely and efficiently, ready for the next adventure on the road.

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    Robert

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  • Is It a Good Idea To Add a Car Window Screen?

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    If you have started considering the purchase of car window screens, you might be brooding about whether they have any worth. With the harsh Australian sun, ever-changing weather, and long driving distances that one must cover to get from one town to another, more and more Australian motorists are investigating how to mollycoddle themselves. They serve as a practical way out—yet how much do they actually enhance your driving experience? Let us run through it.

    Why Car Window Screens Are Trending

    To many Australian drivers, comfort and convenience are at the top of the list. The car window screens provide shade, reduce glare, and protect from UV rays while still maintaining a clear visual field. They are chiefly useful during the hotter months when heat and sun intensity can make short drives most unpleasant.

    Car window panels come in various designs: some range from mesh bands or fitted shades to retractable models. Regardless of the design, they all aim to enhance the driving and travel experience while promoting the welfare of your vehicle’s interior.

    Families, rideshare drivers, pet owners, and outdoor enthusiasts find the car window panels especially beneficial for commuting daily or taking long trips.

    Enhancing Your Drive with Window Screens

    The best function of car window screens is that they improve everyday driving. They create a shaded area in which the eyes receive less direct sunlight and less glare. They will help one keep their focus on the road, especially during those early mornings or late afternoons when the sun is low. This feature alone will make a visible difference in terms of visibility and comfort.

    The next most important reason is heat control. Everyone who has ever parked in the sun would know how hot the car can become so quickly. That is what the window screens set out to do: minimise the greenhouse effect so that the car can cool faster upon entry. The greenhouse effect would thereby lessen the load on the air conditioner, too.

    They play a role in keeping the interior of your car protected. Leather-trimmed seats, dashboards, and trims tend to crack or fade with constant exposure to sunlight. By having tinted windows installed on their own, these interior elements can hold up longer.

    How to Pick the Best Car Window Tints

    Since there are multiple types of window protection, the real endgame is figuring out your most important personal goals. Considerations break down the selection process.

    • Fit — Universal screens apply to various lines and models, but a fitted screen typically provides better screen coverage.
    • Material — Mesh fabric wicks away moisture, and the journey principle is used to compare its blackout properties.
    • Attachment style — Some people like to attach the windows magnetically, while others prefer to clip or slide the shade into place.
    • Visibility — The visibility is a significant concern. So make sure your window screen fades into black so that your view of the rearview or any other sites is still clear.
    • Durability — Look for good stitching on a good material with reinforced framing for long-lasting quality.

    When requested and equipped with the right features, the screens provide the best value and usefulness to clients.

    Cool Comfort Starts With Better Screens

    Vehicle sunscreens are a simpler and less expensive way to obtain greater convenience, reduce heating, and safeguard your car. With improved aesthetics and a longer lifespan for the interior, why not opt for a stylish shaded look? And what’s a road trip without enjoying your time?

    Take that next step, if you would, and consider the best window screens for your car so that you may get a cool, comfortable drive from now on.

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    Mark John

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  • The Vital Reasons to Use an Outside Company to Carry Out a Blockchain AI Audit

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    Blockchain technology was created to support cryptocurrencies like Bitcoin before evolving into an important force in business operations across a wide range of industries. Blockchain is a decentralized, distributed ledger that allows data to be stored securely, transparently, and immutably across a network of computers, with increased security, enhanced transparency, faster transactions, and reduced costs being among the reasons behind its popularity.

    As businesses increasingly look for ways to streamline operations, improve security, and build trust with customers, blockchain’s potential is becoming more widely recognized. Government sectors are adopting blockchain as it cuts out intermediaries, reduces fraud, and creates smart contracts that automatically execute when predefined conditions are met. The need for transparent and ethical AI systems is also growing, along with those who can provide outsourced blockchain AI audit services.

    ● AI systems are highly complex, so it’s important to ensure that their systems are functioning correctly and making unbiased, ethical decisions that require a deep understanding of both AI technology and the underlying data models. An in-house team may have general expertise in their respective fields, but AI auditors are experts in these specialized areas. Those who hire an outsourced team to carry out an audit gain access to the technical proficiency required.

    ● An internal team might have ideas and biases about how AI systems should function, especially if they were involved in the system’s development, resulting in them overlooking issues related to fairness, transparency, or unintended consequences. Outsourcing an AI audit to an independent third-party ensures that the analysis is objective and impartial, leaving employees with tasks such as choosing the best crypto exchange for their business.

    ● The regulations surrounding AI are still evolving, aimed at ensuring ethical AI development and usage. A third-party AI audit firm stays updated on these regulations and can help ensure that the AI systems of their clients are fully compliant with relevant laws. They can also provide documentation and reporting that demonstrates compliance, which is crucial in eliminating legal risks and maintaining the reputation of a business, so their clients have confidence in them.

    ● AI systems can sometimes reinforce biases or make decisions that are not ethically sound, which stem from biased training data, flawed algorithms, or automated decision-making. Outsourced AI auditors are trained to recognize and address these ethical concerns, assessing whether the AI system is making poor decisions leading to unfair treatment of certain groups, while ensuring that the algorithms are aligned with ethical standards, as in government use.

    ● AI audits can play a crucial role in building trust among customers, investors, or regulatory bodies. Having an independent company conduct a thorough AI audit that provides a report offers validation that an AI system is functioning properly and ethically. This enhances the credibility of a business, while reassuring customers that their personal data is being handled responsibly and that AI-driven decisions are fair and transparent.

    By outsourcing AI audit services to specialized companies, businesses can benefit from expert, unbiased analysis, compliance with regulations, and enhanced trust in their AI systems.

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    Mark John

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  • Romantic Cabins In Tennessee: A Guide to Location, Privacy, And Scenic Views

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    If you’re looking for a romantic getaway in Tennessee, the state’s rolling mountains, winding rivers and secluded forests make it an attractive destination for couples. Getting off the beaten path and into a secluded cabin gives couples the chance to slow down, reconnect and take in the beauty that Tennessee is famous for.

    With numerous romantic cabins in Tennessee to choose from, some offer sweeping mountain views; others are nestled deep in the woods for maximum privacy. Some have rapid access to the best attractions, while others make peace and quiet their top priority. Selecting a region that matches a couple’s desired pace ensures the cabin complements their romantic itinerary.

    Choosing the Right Location for a Couples’ Retreat

    One of Tennessee’s most popular areas for romantic cabins is Gatlinburg. Cabins in this vicinity offer an easy commute to restaurants, entertainment options, wine cellars and the Great Smoky Mountains National Park. They’re perfect for those who want both an active region nearby, while also being able to enjoy a sense of isolation and privacy.

    Privacy Features That Enhance Romance

    Privacy is one of the main considerations when it comes to choosing romantic cabins in Tennessee. Perched on the top of wooded lots, hillsides or private driveways, secluded cabins give couples the level of closeness they crave, and the addition of screened-in porches, private hot tubs and expansive layouts add to the relaxation and make sure that you can spend your time together undisturbed.

    Couples planning anniversary celebrations or proposals, in particular, will want a cabin that guarantees absolute silence, so that their occasion is as intimate as they prefer it to be.

    Scenic Views That Elevate the Experience

    When planning a romantic getaway in Tennessee, scenic views play a major role in creating a breathtaking setting, and the state is renowned for its dramatic mountain vistas, peaceful creek-side cabins, lakeside views, and lush forest hideaways. Cabins positioned to take in sunrise or sunset views offer picture-perfect moments that couples can take in from the porch swing or hot tub.

    Mountain-view cabins are particularly popular for their sweeping panoramic landscapes, while creek or waterfall-side cabins offer a soothing atmosphere with the sound of flowing water.

    Amenities That Add Comfort and Romance

    Comfortable and relaxing features such as hot tubs, fireplaces, jetted tubs, and private balconies are fairly common in romantic cabins. Luxury features including gourmet beddings, fireplaces, jet tubs and chef-style kitchens also give the experience a boost. Entertainment options, like in-house cinemas, game rooms and spa-inspired areas allow couples to enjoy a variety of activities without leaving the cabin.

    Proximity to Attractions Without Sacrificing Seclusion

    Being close to the local attractions doesn’t mean sacrificing seclusion. Lots of cabins sit just outside major tourist areas so couples can easily access scenic drives, hiking trails, vineyards, quaint restaurants and live music. This means they can enjoy a morning hike, go out for a lovely dinner, then head back to the tranquility of their cabin. The mountains surrounding Gatlinburg are the go-to places for this perfect balance of convenience and isolation.

    Crafting the Ideal Romantic Cabin Experience

    When planning a romantic getaway in Tennessee, a cabin in the woods can be the perfect way to spend quality time with your partner, understanding that the right location, seclusion and breathtaking surroundings are what make for the most heightened romantic experience.

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    Robert

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  • Understanding Different Types of Insurance and Their Benefits

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    Imagine a world where unexpected events occur without any financial consequences. Unfortunately, that’s just a dream.

    The reality is that accidents, health issues, and natural disasters can strike at any moment. This is why understanding the types of insurance available is essential for ensuring financial security and peace of mind.

    In this article, we’ll explore various types of insurance and how their benefits provide financial security, risk protection, and peace of mind for individuals.

    Types of Insurance: An Overview

    Insurance works as a safety net by providing financial coverage in case of a loss or event. Let’s explore some common types of insurance, each designed to cover specific risks:

    Health Insurance

    Health insurance helps pay for doctor visits, hospital stays, and other medical costs. It can save you a lot of money when you get sick or injured. Having health insurance also gives you peace of mind because you know help is available when you need it.

    Auto Insurance

    Auto insurance protects you financially if you get into a car accident. It can help pay for damage to your vehicle and injuries to you or others. This coverage makes sure you aren’t stuck paying large bills after an accident.

    Homeowners Insurance

    Homeowners insurance keeps your home and belongings safe from things like theft, fire, or natural disasters. If something bad happens, it helps cover the cost of repairs or replacements. This type of insurance gives families confidence that their home is protected.

    Life Insurance

    Life insurance provides money to your loved ones if you pass away. This support can help pay for important expenses like bills, school, or daily needs. It helps families stay financially secure during a difficult time.

    Disability Insurance

    Disability insurance gives you income if you can’t work because of an illness or injury. It helps you pay your bills while you recover. This coverage protects your financial stability when life takes an unexpected turn.

    The Benefits of Insurance

    The advantages of having insurance go beyond the surface. Here are some key benefits:

    • Financial Security
    • Risk Management
    • Peace of Mind
    • Property Protection
    • Legal Requirements

    Specialized Types of Insurance

    Aside from the common types mentioned above, there are specialized insurance options available. For example:

    • Travel Insurance
    • Pet Insurance
    • Umbrella Insurance

    Choosing the Right Insurance

    With so many types of insurance to choose from, picking the right one can feel confusing. Start by thinking about your needs and what kinds of risks you might face, so you know what level of protection is best for you. Take time to compare different policies to find one that fits your budget and still covers the important things.

    If you’re unsure, you can always ask an insurance agent or financial advisor for help to make a smart choice. Don’t hesitate to seek advice from HH Insurance.

    This proactive approach ensures you find the best coverage suitable for your circumstances. This fosters both peace of mind and financial security.

    Your Next Steps Toward Financial Security

    Understanding the different types of insurance available can empower you to make informed decisions about protecting yourself and your financial future. Whether you need health, auto, or life insurance, each type plays a significant role in ensuring risk protection. Start your journey towards achieving financial security today by exploring the available options in your area.

    For more insurance tips, check out our blog posts.

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    Robert

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  • Target Q3 profits slide as holiday season approaches

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    File photo of Target logo. (Photo by Mario Tama/Getty Images)

    Target’s third-quarter profits fell sharply as the Minnesota-based company is struggling to bring in shoppers ahead of the holiday season.

    Target Q3 report

    By the numbers:

    In a third-quarter earnings report released on Wednesday, Target said its Q3 net sales were $25.3 billion compared with $25.6 billion in 2024. Net sales were 1.5% lower than in 2024, which reflect a merchandise sales decrease of 1.9%, partially offset by a 17.7% increase in non-merchandise sales.

    Meanwhile, Target says its comparable sales were down 2.7% in Q3, which reflects a comparable stores sales decline of 3.8%, partially offset by comparable digital sales increase of 2.4%. Third-quarter operating income of $900 million was 18.9% lower than last year. Excluding non-recurring items, operating income was $1.1 billion. 

    Investors have hit Target’s stock hard, sending it down 43% over the past year, with shares edging lower before the opening bell, according to The Associated Press.

    What they’re saying:

    “We’re laying the foundation for a stronger, faster and more innovative Target. It’s grounded in our purpose of bringing joy to our guests and focused on growth,” said Michael Fiddelke, incoming Chief Executive Officer of Target. “We know there’s work to do, and we have the best team in retail to do it. With clear priorities guiding us, I’m proud of our progress and confident we’re on the right path.”

    Looking at the remainder of the fiscal year 2025, Target says it’s still expecting a “low single-digit decline of sales.”

    Target layoff and changes

    What’s new:

    In an effort to increase sales, Target says it’s offering more than 20,000 new items, twice as many as last year, in addition to lowering prices on food, essentials and other household goods.  

    Furthermore, Target has issued a new directive mandating that workers smile at customers as part of a plan to boost sales heading into the holidays. 

    Dig deeper:

    The changes come as Target eliminated approximately 1,800 corporate positions in Minneapolis and Brooklyn Park in October, representing about 8% of its corporate workforce. It was the first major layoff for the company in a decade.

    The layoffs also came two months after the resignation of CEO Brian Cornell, who will be replaced by the company’s chief operating officer in 2026. Cornell cited ongoing struggles with declining sales and profits, a drop in stock price, and backlash over the company’s decision to roll back its DEI initiatives as reasons for his resignation.

    The Source: This story uses information from previous FOX 9 reporting, Target’s Q3 report, and information from The Associated Press.

    NewsBusinessMoney

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  • Ohio Dept. of Commerce releases new holiday budget guide

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    OHIO — The Ohio Department of Commerce is hoping to ease some of the holiday stress this season through a new holiday budgeting guide. 


    What You Need To Know

    • A free resource for all Ohioans, the Holiday Budgeting Guide shares tools and strategies to keep the holidays cheerful and affordable
    • In 2024, holiday retail spending was anticipated to reach $30.4 billion in the Buckeye State by the Ohio Council of Retail Merchants
    • According to a recent survey from NerdWallet, 31% of 2024 holiday shoppers who used their credit cards have yet to pay off their balances

    A free resource for all Ohioans, the Holiday Budgeting Guide shares tools and strategies to keep the holidays cheerful and affordable. 

    In 2024, holiday retail spending was anticipated to reach $30.4 billion in the Buckeye State by the Ohio Council of Retail Merchants, a 1.1% increase from 2023. According to data from the Federal Reserve, there was a 4.5% increase in retail sales at Ohio general merchandise stores last November and a 1.9% increase in December. 

    The National Retail Federation expects shoppers to spend an average of $890.49 per person on holiday gifts, food, decorations and other related options. 

    “The holidays are meant for joy, not financial stress,” said DFI Superintendent Kevin Allard. “Our Holiday Budgeting Guide is specially designed to help Ohioans take control of their holiday spending so they can focus on what really matters—making memories with friends, family and loved ones.”

    According to a recent survey from NerdWallet, 31% of 2024 holiday shoppers who used their credit cards have yet to pay off their balances, while a lendingtree.com report showed 36% of Americans took on holiday debt.

    Ohio’s budget guide is set to manage spending and address financial challenges head-on via budgeting techniques and safe online shopping practices.

    Key areas covered in the guide include: 

    • Practical budgeting techniques for planning and tracking holiday expenses
    • Safe online shopping practices to protect personal and financial information
    • Creative ideas for teaching children about money management during the holidays
    • Strategies for managing gift-giving expectations and costs
    • Methods for incorporating financial education into family traditions

    “Smart spending is a gift you give yourself,” Allard said. “By planning ahead and using the tools available, Ohioans can enjoy the season without the burden of debt.”

    View the full guide here.

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    Madison MacArthur

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