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Learn the basics

LEARN THE BASICS

Ease anxiety with this body scan

We all want peaceful relationships with friends and family, but even the healthiest bonds will have times of conflict. And while it’s natural to want to push those uncomfortable feelings away, bringing attention to them actually helps the emotions move through you. The result? You bring more peace to your relationships, which helps them thrive.

Practice accepting challenging emotions with this soothing, five-minute body scan from AbleTo.

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Source:   AbleTo, April 2020

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EXPLORE MORE

A 3-step guide to eating healthy all week long

It’s easy to do. We head into the week intending to sit down to healthy meals each day. But when life gets busy, the intention is often replaced by less nutritious foods, like takeout. Planning ahead — and shopping accordingly — can help you stick to your commitment to eat well.

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1. Make a plan

Create a menu for the week, and explore cookbooks and online sites like SuperHealthyKids.com or CleanPlates.com for new and healthy recipes. And, keep menu favorites on repeat: If everyone loves oatmeal topped with dried fruit for breakfast, serve it several times a week.

2. Stock up on the 5 food groups

A well-stocked pantry and freezer will help you stay on track with your healthy mealplanning goals. Keep the following basics on hand:

  • Vegetables: Keep a variety of canned tomatoes in stock for soups, sauces and casseroles. And frozen veggies are a great source of vitamins.
  • Fruit: Dried fruits make delicious, high-fiber additions to hot cereals, salads and school lunches. Also keep frozen berries on hand to add nutrition to a morning smoothie.
  • Milk and dairy products: Dried milk is a great back-up item to have on stock, while boxed milk makes a great lunch-box item. Evaporated milk can also be substituted for liquid milk in most recipes.
  • Protein foods: Stock up on a variety of canned or dried lentils and beans, and toss them in salads, soups, stews and other dishes. Canned tuna and sardines are a quick way to add nutrition and flavor to meals. And frozen lean meats, poultry and nuts store well in the freezer.
  • Grains: Keep a stash of oatmeal and other whole-grain cereals in the pantry, as well as a variety of rice and pasta. These are great for making quick and filling family meals.

3. Keep a running grocery list

Compile the ingredients you need for the meals you plan to make for the week. Consider trying a grocery-shopping app, such as AnyList or Mealtime, to help you plan. Many of these apps even include information on where to get the best deals on food prices and offer menu-planning options.


Takeout tips: Meal-delivery services or takeout can be a convenient alternative to cooking when you need a night off. Here are a few tips to help you make healthful choices from an online menu, where nutrition facts aren’t always listed:

  • Limit foods described as crispy, battered and breaded, as well as creamy and cheesy, which often can mean they’re higher in fat or calories. More healthful options might use terms like baked, grilled, roasted and steamed.
  • Substitute water, low-fat milk, or unsweetened coffee or tea for sugar-sweetened beverages, which are high in calories and have little nutritional value.
  • Ask for sauces and dressing on the side to help control how much actually goes on your food.
  • Instead of eating out of the containers, plate your food for a more appropriate portion size. Save the remainder of the meal for later.

For more information on healthy eating and takeout, check out this article.

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Take action

TAKE ACTION

Save and spend your health dollars wisely

Understanding how you’re spending your money and using your benefits can help you spend more wisely. For example, when you use doctors and dentists who are in network, you’ll pay lower out-of-pocket costs. Another way to save is by going to the right place for care. The emergency room (ER) is where you should go for conditions that can permanently impair or endanger your life. Using the ER for non-life-threatening issues can be expensive. When possible, try and visit an urgent care center which is often three times less expensive than a trip to the ER.

In addition, if you are a Mainland or Hawaii employee, creating a Health Care Reimbursement Account (HCRA) or a Dependent Care Assistance Plan (DCAP) through PayFlex® will let you set aside pretax dollars for health and dependent care expenses. This means you’ll save money on those expenses because you’ll be paying with pretax dollars. During Annual Enrollment, you can sign up to contribute up to $2,750 pretax to an HCRA — $550 of which can roll over into the next calendar year if needed. You can also contribute up to $5,000 pretax to a DCAP. Watch the video below to learn more about how an HCRA can help with eligible health care expenses like copays, medication, braces or glasses.

Lastly, all employees have access to financial tips and tools through SmartDollar®. This online personal finance program can help you understand what you spend, plan a budget, get out of debt and save for emergencies.

 

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Source: Payflex, 2018

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EXPLORE MORE

The 7-step plan to getting out of debt

It’s said that a journey of a thousand miles begins with a single step. The same is true for getting out of debt. By breaking up the challenge into seven doable steps, you’ll gradually take back control of your money and put your debt behind you.

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Step 1 – Save $1,000 for your starter emergency fund

In this first step, your goal is to save $1,000 as quickly as possible. Your emergency fund will cover those unexpected life events you can’t plan for. You don’t want to dig a deeper hole while you’re trying to work your way out of debt.

 

Step 2 – Pay off all debt (except the house) using the debt snowball

Next, it’s time to pay off the cars, the credit cards and the student loans. Start by listing all of your debts except for your mortgage. Put them in order from smallest to largest balance, regardless of interest rate. Pay minimum payments on everything but the smallest one. Attack that debt with a vengeance. Once it’s gone, put that payment toward the second-smallest debt, making minimum payments on the rest. That’s why it’s called the debt snowball. Use it to knock out your debts one by one.

 

Step 3 – Save 3 to 6 months of expenses in a fully funded emergency fund

You’ve paid off your debt! Don’t slow down now. Take that money you were throwing at your debt and build a fully funded emergency fund that covers 3 to 6 months of your expenses. This will protect you against life’s bigger surprises, like your car breaking down, without slipping back into debt.

 

Step 4 – Invest 15% of your household income in retirement

It’s time to get serious about retirement — no matter your age. Take 15% of your gross household income and start investing it into your retirement. Start with Costco’s 401(k) plan — 1165(e) in Puerto Rico — and invest up to the full employer match.

 

Step 5 – Save for your children’s college fund

By this step, you’ve paid off all debts (except the house) and started saving for retirement. Next, it’s time to save for your children’s college expenses. Experts recommend 529 college savings plans or ESAs (Education Savings Accounts).

 

Step 6 – Pay off your home early

Now bring it all home. Your mortgage is the only thing between you and complete freedom from debt. Any extra money you can put toward your mortgage could save you tens of thousands of dollars in interest.

 

Step 7 – Build your nest egg

You know what people with no debt can do? Anything they want. That’s why the last step is the most fun. Keep building your nest egg and be generous, whether that means leaving something for your kids or giving to a cause that’s important to you.

Source:  Ramsey Solutions, 7 Baby Steps, 2019.

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Take action

TAKE ACTION

4 habits of ALL successful relationships

When life feels stressful or when we’re experiencing conflict in a relationship, it’s tempting to isolate ourselves, physically and emotionally. But doing so is often harmful, cutting us off from the social interaction that’s so important for our emotional health.

This video talks about the importance of understanding relationship hurdles and how to handle them. Dr. Andrea and Jon Taylor-Cummings share their observations about the four fundamental habits that all successful relationships exhibit. When we have healthy relationships, we can be more engaged with our family and friends, perform better at work, and improve our overall well-being.

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Source:   4 habits of ALL successful relationships, TEDx Talks, 2019.

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It is health that is real wealth, and not pieces of gold and silver.

Mahatma Gandhi

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Recipes

Healthy recipe

HEALTHY RECIPE

Coconut snacking granola

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Ingredients: 7
Prep: 10 mins | Cook: 30 mins
Makes: 8 servings
Calories: 226 cal
Ingredients:

4 1/2 cups organic rolled oats

2 cups chopped, mixed raw nuts

1 cups shelled sunflower seeds

1 handful flaxseeds

1 handful shredded coconut

1/2 cup coconut oil

1/2 cup raw honey

1 cup dried fruit (raisins, chopped dates, dried cherries), optional

Directions:
  1. Combine all dry ingredients, then stir in oil and honey
  2. Bake on cookie sheet at 300° F, mixing every 15 minutes until lightly browned, approximately 30-40 minutes total.
  3. Important: The granola will not be dry when it’s done baking! It will be moist and sticky. It will dry rapidly as it cools.
  4. Add dried fruit when granola is cool.
Nutrition

Serving Size: 1/2 cup | Calories: 226 | Carbohydrates: 13g | Protein: 2g | Fat: 4g | Saturated Fat: 1g | Cholesterol: 5mg | Sodium: 64mg | Fiber: 1g | Sugar: 5g

Recipe Source: CleanPlates.com

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ER or urgent care?

Know where to go for what’s ailing you

Whether you suddenly have stomach pain, or your child is hurt in a skateboard fall, few things are as stressful as a health event that requires immediate care. Do you go to the ER? Head to an urgent care center or a walk-in clinic? Knowing where to go — quickly — can mean better outcomes, both in terms of health and treatment costs. This short video can help you make the best choice in the moment.

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Sources:

Walk-in clinic vs urgent care vs ER video. Aetna, 2019.

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Be prepared at home

TAKE ACTION

Be prepared with a home first aid kit

Not every scraped knee or sprained wrist is an emergency, but some
injuries can become more serious if not treated swiftly at home.
That’s why a well-stocked first aid kit is the first line of defense for
both minor and major health issues.

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You can create a home first aid kit yourself, or purchase any of the kits sold at Costco. Remember to include prescribed medications and emergency phone numbers, and to check the kit regularly for expired medications. Tip: Keep a good thing going by assembling kits for specific activities — like camping or hiking — and for your car.

The American Red Cross recommends that a first aid kit for a family of four includes the following:

  • 2 absorbent compress dressings (5 x 9 inches)
  • 25 adhesive bandages (assorted sizes)
  • 1 adhesive cloth tape (10 yards x 1 inch)
  • 5 antibiotic ointment packets (1 gram each)
  • 5 antiseptic wipe packets
  • 2 packets of aspirin (81 mg each)
  • 1 emergency blanket
  • 1 instant cold compress
  • 2 hydrocortisone ointment packets
  • (1 gram each)
  • 2 pairs non-latex gloves (size L)
  • 1 3-inch gauze roll (roller) bandage
  • 1 roller bandage (4 inches wide)
  • 5 sterile gauze pads (3 x 3 inches)
  • 5 sterile gauze pads (4 x 4 inches)
  • Oral thermometer (non-mercury/non-glass)
  • 2 triangular bandages
  • Tweezers
  • Emergency First Aid guide
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Immediate care checklist

LISTEN UP

Get the care you need, fast

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