Categories
Articles

Take action

TAKE ACTION

Reduce your risk for diabetes

You may know that type 2 diabetes is when your blood sugar (blood glucose) is too high. But what’s prediabetes? This is when your blood sugar is higher than normal, which puts you at risk for type 2 diabetes. Keep in mind that prediabetes is still a serious condition that needs special attention.

According to the Centers for Disease Control and Prevention, more than 1 out of 3 adults in the United States have prediabetes. And yet, most of them don’t know they have it.¹

Print

Looking for more? Find other articles below

Lifestyle changes are key

The good news is that there are things you can do to help prevent type 2 diabetes or delay its onset. These include making lifestyle changes to help you keep your blood sugar levels under control. You can get started by making these part of your daily life:

  • Managing your weight
  • Making healthy food choices
  • Staying physically active

Get your body up and moving

Regular exercise is one of the most important things you can do to help prevent type 2 diabetes or delay its onset. Here are some tips to get you started:

Talk with your doctor
You may need to have a medical exam before you start an exercise program.

Make it a priority
Do moderate to intense activity for at least 30 minutes a day, 5 times a week.

Be consistent
Don’t go more than two days without being active. Keep the habit going strong.

Get creative
Why not take the stairs? Or park your car farther away? Instead of sit-down meetings, have walking meetings. Stay active whenever you can.

Build it in
Pick part of your schedule and pin an activity to it. If you’re busy, you can exercise in 10-minute intervals. Every bit helps.

Know that everyone is different
What works for one person may not work for another. Just do what you need to do to help yourself succeed.

1Centers for Disease Control and Prevention. Prediabetes: your chance to prevent type 2 diabetes. May 30, 2019. Available at: cdc.gov/diabetes/basics/prediabetes.html. Accessed June 13, 2019.
Categories
Articles

Take action

TAKE ACTION

Your guide to beneficiaries, wills, and trusts

No matter where you are in your life, everyone can benefit from estate planning. Often people think that estate planning is just for the wealthy, for those approaching retirement age, or for those who have children.

However, only about 50 percent of employees have designated a beneficiary (a person or entity who will receive those benefits in the event of your death).

Print

Looking for more? Find other articles below

Almost all Costco employees have life insurance

That’s right! All full-time and part-time employees enrolled in a Costco medical plan, even those who declined coverage because they’re enrolled by another employee or health plan, have life insurance and an accidental death and dismemberment (AD&D) policy that’s paid for by Costco. However, only about 50 percent of employees have designated a beneficiary (a person or entity who will receive those benefits in the event of your death). Without a designated beneficiary, your life insurance may not go to the correct person — or your loved ones will have to take extra steps to access your life insurance. Therefore, it’s important for all employees to designate their life insurance and AD&D beneficiaries by logging onto the enrollment website located on Costcobenefits.com or calling the enrollment center at 800-541-6205. Employees can view and update beneficiary information at any time. 

Don’t forget your retirement accounts 

Most employees also have a 401(k) or 1165(e) account through Costco’s Retirement Plan. Just like life insurance and AD&D, it’s important for employees to designate a beneficiary for their Costco retirement account. (There are some special rules about designating a retirement account beneficiary when you’re married.)

To learn more about beneficiary and eligibility rules, view the Costco Retirement Plan Summary Plan Description located on Costcobenefits.com. To designate a beneficiary to your Costco Retirement Account, log on to TRowePrice.com or call 800-922-9945

Learn about wills, trusts, and other estate planning

Designating a beneficiary takes care of your life insurance, AD&D, and retirement plan through Costco’s Benefit Program. But what about your other assets like your house, cars, collectibles, bank accounts, and other investments? And what happens if the unlikely event your death occurs before your children are adults, or you become unable to make financial or health care decisions for yourself?

  • Wills and trusts ensure that your assets and possessions end up where you want them to go. If you have children who are minors, you can also make a will to name who will be your child(ren)’s physical and financial guardian.  
  • Durable power of attorney and health care directives give the person you choose the ability to make decisions for you regarding your health care, legal matters, and finances if you become incapacitated or unable to communicate your own wishes. 
Categories
Articles

Explore more

EXPLORE MORE

Protect your paycheck with disability coverage

Here’s a not-so-fun fact: Only 48 percent of American adults indicate they have enough savings to cover three months of living expenses in the event they’re not earning any income.

And when you encounter a situation that takes you out of work — whether it’s a pregnancy, injury, or illness — the last thing you need is a break from your paycheck. Check out this video to see how disability coverage can keep your finances safe during unexpected times.

Looking for more? Find other articles below

+

Show transcript

Categories
Articles

Learn the basics

LEARN THE BASICS

Build your emergency fund with these easy tips

We can’t control when emergencies happen (here’s looking at you, 2020), but we can plan for them. Financially protect yourself and your family from the unexpected by creating a dedicated emergency fund. According to financial expert Rachel Cruze, try to set aside at least $1,000 — and continue to grow the fund until you have enough to cover three to six months of expenses. That way, you’ll have peace of mind when unplanned bills pop up, such as medical services or car repairs.

Print

Looking for more? Find other articles below

Want to earn a little extra dough for your emergency fund?
Try these ideas:
Sell stuff online
You can sell almost anything on the internet, and it’s a great alternative if a yard sale just won’t work for you. Just remember, people are looking for a deal — set your prices accordingly.

House sit
Offer your services as a house sitter to people heading on vacation. Usually all you need to do is check the mail and water the house plants. Boom! Easy money.

Pet sit
If you like animals, offer your services as a cat or dog sitter. People pay big bucks to board their pets while on vacation. Cash in on some of that!

Get crafty
If you like to craft, try selling your creations at craft fairs or on the web. The best crafts are those that are in high demand but are hard to find. Ask around to find out what’s popular in your area.

Sell old books
Many online book retailers make it fairly easy to list and sell old books. Bonus tip: Old college textbooks can bring in some big bucks!

Categories
Articles

Take action

TAKE ACTION

Learn resiliency strategies from a leading grief expert

Life forces us to deal with difficulties that are outside of our control. We may have to deal with setbacks, grief, traumas, and other life-changing situations. Resiliency is more than being adaptable or flexible. It’s about finding strength when you feel hopeless, and finding happiness when it feels impossible.

In this TEDx Talk, resilience expert and researcher Dr. Lucy Hone discusses three resiliency strategies that helped her through personal tragedy.

Looking for more? Find other articles below

+

Show transcript

Source:   “The three secrets of resilient people,” TEDx Talks, 2019.

Categories
Articles

Learn the basics

LEARN THE BASICS

6 ways to manage stress

Everyday stresses are normal. But long-term stress can harm your health by potentially impacting your  immune, digestive, sleep and reproductive systems. That’s why it’s important to proactively take control and manage your stress.

Print

Looking for more? Find other articles below

Here are some tips to help you cope:

Recognize the signs

Recognize the signs of your body’s response to stress such as difficulty sleeping, increased alcohol and other substance use, being easily angered, feeling depressed and having low energy.

Talk to your doctor

Talk to your doctor, whether that’s a primary care physician or a behavioral health professional. Need help finding a doctor? Check out the resources below for support.

Get regular exercise

Just 30 minutes per day of walking can help boost your mood and reduce stress.

Try a relaxing activity

Explore stress-coping programs, which may incorporate meditation, yoga, tai chi or other gentle exercises. For some stress-related conditions, these approaches are used in addition to other forms of treatment. Schedule regular times for these and other healthy and relaxing activities. Learn more about these techniques on the National Center for Complementary and Integrative Health (NCCIH) website.

Set goals and priorities

Decide what must get done and what can wait. Learn to say no to new tasks if they are putting you into overload. Take notice of what you’ve accomplished at the end of the day, not what you have been unable to do.

Stay connected

Keep in touch with people who can provide emotional and other support. We know it’s hard, but it’s okay to ask for help from friends, family, and community or religious organizations. It’s also okay to be selfish with your energy and avoid the people who bring you down.