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Learn the basics

LEARN THE BASICS

Does your food love you?

You are what you eat. If your goal is to build a stronger, healthier you in the months and years ahead, take a closer look at your diet. Then consider some changes you can make to look and feel better.

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plate of food

 

Better health starts with what’s on your plate

A healthy plate is rich in vegetables, fruit, whole grains and lean protein. Get back to basics with these building blocks. Everyone’s body and dietary needs are different. You may be trying to lose weight or manage a chronic condition. You may have food allergies, such as gluten intolerance or a nut allergy. Or you may simply want to eat healthier to feel good and have more energy. Whatever your needs and goals, getting back to the basics is a good place to start.

All healthy diets have these three parts in common:
apple

Carbohydrates

Think fiber. Healthy carbs come from plants — veggies, fruits and whole grains. The closer to their natural state, the better. For example, fruits eaten with skins on, such as apples, pears, peaches, plums and grapes, have more fiber, as well as important vitamins.

Try
  • Whole-grain cereal for breakfast with a piece of fruit —fresh is best, but frozen works, too.
  • Salad with lunch or dinner. Choose nutrient-rich greens like romaine lettuce, spinach, kale, mustard greens and arugula. For an extra pop of fiber, add slivered almonds or whole-wheat croutons.
  • Steamed veggies with dinner. Lightly steamed vegetables can be tastier and easier to digest than raw, while still packing plenty of nutrition. Try broccoli, kale or green beans, all rich in vitamin A and folate.
protein

Proteins

The key word here is lean. And remember, not all protein comes from meat. Beans, peas, eggs, nuts and low-fat dairy have plenty of protein, too. So do certain grains, such as quinoa and wild rice, and even vegetables like asparagus, potatoes and broccoli.

Try
  • Chicken — skinless is best.
  • Fresh or frozen fish. For the most bang for the buck health-wise, choose salmon, tuna, sardines or mahi-mahi.
  • Ground turkey and lean ground beef
  • And other lower-fat options

Meats with higher amounts of fat (beef and pork ribs; strip, porterhouse, skirt and T-bone steaks; bacon; lamb; chicken with skin on) are unhealthy because that fat is saturated. Saturated fats can raise cholesterol levels, raising your risk for heart disease.

fat

Fat

Your body needs fat to function. But too much and the wrong kind can lead to problems, so choose smart.

“Good fats” (see examples below) contain omega-3 fatty acids, which can improve your cholesterol levels, reduce blood clotting and lower blood pressure.

“Bad fats” belong to the saturated fat crowd (see examples above) and have the opposite effect — higher cholesterol, higher risk for blood clots, higher blood pressure.

Try
  • Tree nuts, such as walnuts, almonds, cashews, pecans. Why no peanuts? Tree nuts are healthier than peanuts because they contain heart-healthy omega-3 fatty acids and more antioxidants, such as vitamin E.
  • Healthy cooking and salad oils — olive oil, canola oil, sunflower oil, avocado oil.
  • Avocados, packed with good fats and fiber, along with nutrients like folate, magnesium, vitamins C and E, and potassium.
  • Seeds, such as chia and flaxseed, pumpkin seeds, sunflower seeds, sesame seeds. They’re great sources of good fat, protein, fiber and antioxidants. Have pumpkin and sunflower seeds as a healthy snack, or sprinkle them on a salad. You can add smaller seeds, like chia and sesame, to yogurt, oatmeal and smoothies, or bake them into pancakes and muffins.

 

The following resources are available to you through your Costco benefits. They can help you learn how to eat healthier on your physical well-being journey.

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EXPLORE MORE

Find freedom in forgiveness

Forgiveness can be hard. It’s tempting (and easier) to hold a grudge when someone causes you pain or makes you angry. You may even be angry or disappointed with yourself, and find it tough to let go of those negative emotions. But there are real physical and emotional benefits to letting go of chronic anger.

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Forgive for better health, a better you

Whether or not you’re aware of it, negative emotions cause stress. And stress is at the root of many physical and mental health issues. When you’re able to forgive yourself or someone else, or someone forgives you, the benefits begin right away.

FORGIVENESS CAN:
Infographic reading: Lower blood pressure and reduce your risk for heart  attack and stroke; Strengthen your immune system (think fewer colds); Help you sleep better, which has benefits ranging from more energy to easier weight loss; Reduce anxiety and depression; Improve  your  relationship  with yourself and other people

Forgiveness means different things to different people. But for most, it means letting go of anger, hostility and thoughts of revenge. This gives the forgiver — and the one being forgiven — more peace and freedom and more space for positive thoughts and feelings.

The following resources are available to you through your Costco benefits. They can help you take steps to forgive others and be more in control of your emotional well-being. These resources are confidential and available to you at no cost.

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EXPLORE MORE

Future-proof your finances

No one knows what the future will bring. But with three essential Costco insurance benefits, you can make plans today to take care of your loved ones, no matter what happens.

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Protect your financial well-being

Through your Costco benefits, you’ve got help to meet your financial needs — and provide for those you love — when the unexpected happens. Get to know these important Costco benefits administered by Unum.

Life insurance is there when you aren’t, to keep your family’s finances healthy. It pays a cash benefit in case of your death to a person (or persons) you choose as your beneficiary. If you’re enrolled in a Costco medical plan or Costco Long-Term Disability insurance, you and your family members are automatically covered by Basic Life Insurance at no cost to you.

Want more? You can elect additional coverage with Supplemental Life for yourself, your spouse or domestic partner, and/or your child(ren). You can do this when you first become benefits eligible, during Annual Enrollment, or during a qualified mid-year event.

Accidental death & dismemberment (AD&D) insurance pays a benefit if you are injured or die as the result of an accident. Depending on your injury, the benefit is a percentage of the total benefit amount you’re eligible for. It’s paid in addition to any life insurance benefit. If you’re enrolled in a Costco medical plan or Costco Long-Term Disability insurance, you and your family are automatically covered by AD&D insurance at no cost to you.

Disability insurance helps replace income lost when you’re not able to work because of an illness, injury or other medical condition (such as pregnancy).

  • You’re automatically enrolled for Voluntary Short-Term Disability* (STD) insurance. You pay a small payroll contribution, which is based on the amount of your earnings.
  • If you’re enrolled in a Costco medical plan, or you are declining health coverage because you’re enrolled in a plan outside of Costco, you’re automatically enrolled for Long-Term Disability (LTD) insurance — at no cost to you.

    *In most states.

Check your benefits: Log in at Costcobenefits.com to view your life, AD&D and disability amounts.


Do you have a beneficiary?

Your beneficiary is the person (or persons) you choose to receive the benefits from your Costco benefits (life insurance, AD&D and retirement plans) in case of your death. It’s important to keep your beneficiary designation(s) up to date so you can be sure the right people receive your benefits.

If you don’t name a beneficiary, your estate becomes the beneficiary. This means your benefits go into probate, and the people who end up with your benefits may not be those you would have chosen. Keeping your beneficiary designation(s) up to date is important, too, as needs, preferences and family situations change.

To designate or change your life insurance beneficiary, log in to the Enrollment Website at Costcobenefits.com. You can name anyone you want as your beneficiary — and you can name more than one person.

To designate or change your retirement plan beneficiary, log in to the T. Rowe Price website. If you’re married, your beneficiary must be your spouse unless your spouse consents to another choice.

The following resource is available to you through your Costco benefits to help you take control of your financial well-being.

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Learn the basics

LEARN THE BASICS

The power of forgiveness

What can forgiveness do for your health? The answer may surprise you. Explore the healing benefits of forgiveness in this short video from the Harvard T.H. Chan School of Public Health.

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+

Show transcript

Whether it’s a driver who suddenly cuts you off or years of resentment towards a family member, unresolved conflict can have an impact on your physical health. “There is an enormous physical burden to being hurt and disappointed,” says Karen Swartz, M.D., director of the Mood Disorders Adult Consultation Clinic at The Johns Hopkins Hospital. Chronic anger puts you into flight-or-fight mode, which sets off changes in your heart rate, blood pressure and immune response. Those changes can increase the risk of a wide range of ailments, including depression, heart disease and diabetes.¹

The good news is that forgiveness can put you on the path to physical and emotional well-being. So, what better time to start this healing practice than right now?

¹ Johns Hopkins Medicine. Forgiveness: Your health depends on it.

Source: The power of forgiveness. Harvard T.H. Chan School of Public Health, 2019.

The following resource is available to you through your Costco benefits. It can help you take steps to forgive others and be more in control of your emotional well-being. This resource is confidential and available to you at no cost.

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Recipes

Healthy recipe

HEALTHY RECIPE

Butternut squash and carrot soup

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Ingredients: 7
Prep: 15 mins | Cook: 35 mins
Makes: 6 servings
Calories: 82 cal
butternut soup in a bowl
Ingredients:

1 tablespoon butter

3 cups peeled, diced butternut squash

2 cups thinly sliced carrots

¾ cup chopped onion

2 (14.5 ounce) cans reduced-sodium chicken broth

¼ teaspoon ground pepper

¼ cup half-and-half

Directions:

Melt butter in a large saucepan over medium heat. Add squash, carrots and onion to pan. Cook, covered, for 8 minutes, stirring occasionally. Add broth, bring to a boil and reduce heat. Simmer, covered, for 25 minutes or until vegetables are very tender.

Put one-third of the squash mixture in a food processor or blender. Cover and process until almost smooth. Repeat with remaining mixture, then return to saucepan. Add pepper, then bring just to boiling. Add half-and-half and heat through. It’s ready to serve!

Nutrition

Serving Size: One cup (8 ounces) | Calories: 82 | Carbohydrates: 11.5 g | Protein: 3.1 g | Fat: 3.3 g | Saturated Fat: 2 g | Cholesterol: 8.8 g | Sodium: 364.2 mg | Fiber: 2.2 g | Sugar: 4.1 g

Recipe Source: EatingWell.com

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Take Action

TAKE ACTION

How to practice forgiveness

Learning to forgive yourself and others can have profound emotional and physical benefits. But forgiveness doesn’t always come easily. Here’s how you can cultivate this life skill in your relationships.

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4 ways to forgive yourself and others

Forgiveness doesn’t happen all at once. The hurt is real and can’t be wished away. However, there are steps you can take to process your feelings and gradually get more comfortable with forgiving.

1. Don’t bury those negative emotions

Let yourself feel the hurt, anger and sadness caused by the other person. Then let those feelings go. Picture them as balloons being popped one by one. Take care of yourself — eat healthy, exercise each day, limit alcohol, do things you enjoy. Talk with a friend you trust about how you feel. And be patient: with yourself and other people.

2. Change your focus

Try going for a walk or doing some mindful breathing exercises. Meditation, yoga or another gentle movement practice can also help. You don’t need to take a lot of time out of your day to refocus. One or two 15-minute walks each day can help clear your mind. The important thing is to swap a fun or positive activity for negative emotions you may be having, even if only for a short time.

3. Think about the relationship

Is the offending person a close friend, family member or co-worker? Are they important to you? Remind yourself what you appreciate and value about them. Perhaps it’s a childhood friend who really “gets you.” Someone with whom you enjoy doing things. A family member you see often and need to stay on good terms with.

Also keep in mind that while one relationship may not mean as much to you as another, forgiving the other person is a way to further your own well-being.

4. Talk

Be honest and vulnerable. Say how you feel. Are you angry? Disappointed? Confused? Sad? All of the above? Tell the offending person you want to forgive them and why it’s important to you. Doing this can make you feel more in control — and less controlled.

 

The following resource is available to you through your Costco benefits. It can help you take steps to forgive others and be more in control of your emotional well-being. This resource is confidential and available to you at no cost.

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Learn the basics

LEARN THE BASICS

Saving for retirement made easy

Retirement may be years away, but the sooner you start planning for it, the better. By taking advantage of your Costco Retirement Plan now, you can help make sure you enjoy a worry-free retirement in the future.

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Get to know the Costco Retirement Plan

What does your retirement look like? Your plans for the future may include more travel, more time with family or more time to do the things you enjoy without worrying so much about money. It’s all possible with the right planning — and saving.

A more secure retirement depends on what you do today. Your Costco benefits are here to help, with the Retirement Plan,* administered by T. Rowe Price.

Here are the basics:

You’re eligible to participate in the plan once you’ve completed 90 days of service with Costco. You can start making contributions, and receiving Costco’s matching contributions, on the first pay date after the first day of the following month.

Here’s an example: If your 90th day of employment is July 15, you can start contributing on the first pay date after August 1.

You make contributions. With the Retirement Plan, you save part of your paycheck through automatic payroll deductions. When you enroll, you’ll choose a percentage of your pay to contribute. You’ll also choose whether you want to make pretax or after-tax (Roth) contributions, or a combination of the two.

If you don’t make an election within 30 days of the first of the month you’re eligible to participate in the plan, deductions will automatically be taken from your paycheck. You’ll be enrolled to contribute 3 percent of your compensation pretax.

Costco makes contributions. Costco matches your contributions in an amount that’s set each year. This amount is a percentage of your own contribution amount for the year, up to a maximum amount.

Your account grows. When you enroll, you choose how you’d like to invest your account funds. T. Rowe Price offers a variety of mutual funds and information on how to make the right choice(s) for you.

To get started, log in at Costcobenefits.com and select Financial Wellbeing > Retirement Plan Details. Or call T. Rowe Price at 800-922-9945. You’ll set a percentage of your pay to contribute and choose investments to grow your retirement nest egg.

*For Mainland and Hawaii employees, the plan is called the Costco 401(k) Retirement Plan. For employees in Puerto Rico, it’s called the Costco Puerto Rico Retirement Plan.

 

The following resources are available to help you be more in control of your financial well-being. These resources are confidential and available to you at no cost through your Costco benefits.

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TAKE ACTION

Make the most of your money

Being smart about your money can help you have enough for everyday expenses while saving for future goals. Here are some practical suggestions to get you started.

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saving money in a jar

 

5 tips for smarter spending & saving

Maybe it’s tough to stretch that paycheck. An unexpected expense pops up. Or you’d love to plan a great vacation. Whatever’s going on in your financial life, there are steps you can take to spend and save wisely. Here are five tips you can use today:

1. Know what you spend

Here’s something to try: For two weeks, save all your receipts and track online purchases using your bank account (or just write them down). Put purchases into groups — food, entertainment, clothing, tech and other expenses. Don’t count essentials like rent/mortgage, utilities and insurance.

Look at your totals. What do you spend most of your money on? How can you spend less? For example, if you spend a lot on takeout and restaurant meals, consider cooking more meals at home and packing a lunch more often. Shop the sales and visit consignment stores for clothing. If you have a tech wish list, narrow it down to one special item you just can’t live without.

2. Budget for the kids (furry ones, too!)

Spending wisely means getting the kids involved. Learn to say “no” to extras that aren’t needed. If life is a whirlwind of after-school activities, choose the most important one and let the others go. Take advantage of free local fun like parks, libraries and playgrounds. Join a school carpool. Trade babysitting services with other parents.

Remember that your furry family members have expenses, including pet food, toys, equipment, annual checkups and the occasional unscheduled vet visit. Make sure your budget has room for your fur babies, too.

3. Save automatically

If your checking and savings accounts are with the same bank, set up an automatic transfer. Decide on an amount to move from checking to savings on a regular basis. Most online banking services let you choose weekly or monthly transfers.

It’s a painless way to save. And don’t worry that it’s not enough. Even a modest amount builds up over time, and it’s much better than not saving at all.

4. Think about trade-offs

Saving for something special? Change your daily spending habits to free up extra money. Let’s say you’re saving for a new cell phone and you buy one or more Starbucks tall lattes every day. Think about how many lattes would pay for the new cell (or at least contribute a good portion of the cost). Cut back on coffees for that new cell phone!

5. Cut health care costs

You can save on health care without sacrificing quality. Use in-network providers. Ask your doctor to prescribe generic drugs whenever possible. Visit an urgent care center or walk-in clinic (instead of the emergency room) for quick, convenient non-emergency care. Take advantage of preventive care, like routine exams and screenings, to stay healthy and catch problems early.

 

The following resource is available to help you be more in control of your financial well-being. This resource is confidential and available to you at no cost through your Costco benefits.

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Energize your day

Whether you’re reasonably fit, want to shed a few pounds, or struggling with a chronic illness, anyone can reap the physical and emotional health benefits of exercise. Take a moment to learn what exercise can do for you.

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Exercise: the good-for-you habit

Regular exercise does a body good — from shedding those extra pounds to preventing health problems now and later. Whether it’s a morning walk or run, an evening yoga class, or a game of hoops with friends, better health happens when you move your body. Do it every day, and it will become a habit — something you don’t even have to think about.

You can start slowly, with a daily walk. Keep it up, and before long, you’ll start noticing that you feel better (and even look better). Exercise, like any other habit, can become something you can’t do without. And with all the health benefits it has to offer, exercise can be a great thing to get hooked on.

See what regular exercise can do for your body and mind.

Build a new & better you

Putting exercise into each day supports your physical well-being in some very important ways.

Want to reach a healthier weight? Exercise burns calories, making it easier to lose weight and keep it off. Because it also lowers blood pressure and bad (LDL) cholesterol levels, exercise can also help you avoid health problems like heart disease and stroke.

Living with type 2 diabetes? By making movement part of your daily routine, you can better manage your condition and fend off complications. That’s because exercise can lower blood sugar levels and insulin resistance. Tip: Exercise one to three hours after eating. That’s when blood sugar is often higher. Test first though. If your reading is over 250, you may want to wait until it’s below 100 mg/dL.

Trying to shake off a bad day? Physical activity boosts brain chemicals that can help you feel happier, more relaxed and less anxious. It’s a natural stress-buster that has the added bonus of boosting your self-confidence.

Did you know? Exercise can also help prevent cancer because it reduces inflammation in the body, keeps weight under control and boosts the immune system. For people diagnosed with cancer, regular exercise can make treatment more effective by reducing anxiety, increasing strength and energy, and helping with pain.

Get going!

If you’ve been less than active, walking can ease you into an exercise habit. Talk to your doctor first, then get going! Shoot for 30 minutes of walking each day. Break it up into two 15-minute sessions if that works better. Over time, add time and speed.

Other ways to move include: running, biking, strength training, yoga, stretching, gardening — anything that uses your major muscles and ramps up your heart rate.

 

The following resources are available to help you on your physical well-being journey.