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Setting healthy boundaries

Creating healthy boundaries is another way to protect and strengthen our psychological health and, in turn, our physical health. We usually think of self-care as meditating, exercising or relaxing. However, while all these activities can contribute to self-care, they can only do so much if you do not practice creating healthy boundaries, as well. Healthy boundaries are what keep us from getting burnt out or overwhelmed. And they tell others what we find acceptable and unacceptable in their behavior toward us.

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There are several steps to setting up a healthy boundary, but one of the more difficult is identifying and knowing your limits. We often don’t know what our limits are until they’re violated — for example, you may not realize that lending your expertise to a friend is pushing your limits until they are asking for advice every single day.

The second piece you need to consider is how these types of boundaries apply with different people. It’s likely that your boundaries are not the same with a significant other as they are with an acquaintance. Within each of the above categories of people, you can have varying boundaries (for example, coworker vs. a boss), but starting with these categories will help you analyze how your boundaries change depending on who you interact with.

A great way to think about these boundaries is to examine times that you felt uncomfortable, angry, resentful or anxious with the people you interact with. That discomfort is telling you that some boundary was violated. Listen to it!

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3 ways to save money

Saving money is easy to talk about, but much more difficult in practice. Check out this video on three psychological tricks you can use to painlessly boost your financial well-being — and save more for the future in the process.

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Source: 3 psychological tricks to help you save money, TedX Talks, 2019.

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Ease muscle tension with this guided meditation

Self-care isn’t a luxury — it’s a necessity. So, while you’re finding ways to more effectively manage your time, make sure to also schedule time to recharge. A little “me time” doesn’t have to take long, but it’ll make major difference in your overall health. 

To get started, try this guided meditation from AbleTo. (Bonus: It’ll only take six minutes out of your day.)

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Have a little more time? Check out this video on how to reframe your thoughts.

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How much is too much

Decoding alcohol misuse and addiction

When it comes to alcohol, how much is too much? Short answer: It’s different for everyone, and it’s based on gender, age, weight and what’s right for you. What we do know is that over consuming alcohol can lead to health risks like heart disease, cancer, a weakened immune system and mental health concerns. In fact, excessive drinking is responsible for 1 in 10 deaths among adults ages 20–64 years.¹

If you’re concerned you might be indulging a little too much, or you’re worried about the drinking habits of a loved one, check out these videos from experts on alcohol and substance misuse to learn more.

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Everything you think you know about addiction is wrong

New York Times bestselling author Johann Hari examines how our society responds to addiction ― and what we could all be doing better to support those who need it most. The short answer? Let them know they’re not alone.

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How I overcame alcoholism

Actress Claudia Christian shares her journey from social drinker to someone who struggles with alcohol use disorder. Here, she speaks about her decade-long journey to recovery, and the treatment that finally saved her life.

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Gray area drinking

Nutritionist and wellness expert Jolene Park discusses the concept of ‘‘gray area drinkers” (the people who are between those who have alcohol occasionally and those at rock bottom), and how that can affect someone’s mental and physical health.

(P.S. Concerned about your own alcohol intake? Check out this free online screening.)

Sources:

1Centers for Disease Control and Prevention

Everything you think you know about addiction is wrong, TEDx Talks, 2015

How I overcame alcoholism, TEDx Talks, 2016

Gray area drinking, TEDx Talks, 2017

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Substance misuse podcasts

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Podcasts to help understand substance misuse

Whether you’re working on your recovery or you have a family member struggling with substance misuse, tune in to these podcasts for addiction resources and support.

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Last Day

The first season of this investigative podcast explores the opioid crisis through the lens of one person’s last day of life. Hosted by author Stephanie Wittels Wachs, who lost her brother in 2015 to a heroin overdose, Last Day breaks down how addiction impacts our country today ― and the ways we can move forward.

The Addicted Mind

Looking to understand more about addiction treatment from a licensed therapist? The Addicted Mind covers the latest research on the subject, as well as how recovery differs from person to person.

My Child & Addiction

Think of this podcast as a support group for parents. Hosted by three fathers whose children are addicts, My Child & Addiction offers encouragement and support for families during the challenging journey of recovery.

Addiction Unlimited

Brought to you by a former addict turned recovery coach, Addiction Unlimited focuses on actionable steps to help you stay sober. Plus, you’ll hear from others about their real-world recovery experiences. 

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Talk to teens about opioids

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How to talk to your kids about prescription drug misuse

by Colin Groundwater

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Until recently, the term “drug use” typically referred to illegal substances like cocaine, heroin or crystal meth. Today’s teens are more likely to get hooked on prescription medication, especially painkillers. Opioids are a class of highly effective pain relievers that includes oxycodone (brand names: OxyContin, Percocet), hydrocodone (brand name: Vicodin) and fentanyl. Teens most often receive opioid prescriptions after dental procedures ― like wisdom tooth removal ― and sports injuries.

But prescription opioids have downsides that make them prone to misuse. They can produce feelings of euphoria, like their chemical cousins heroin and morphine. And their effectiveness fades quickly. Within months, a patient can be taking dangerously high doses to feel the same relief.

If your child is prescribed opioids for pain relief after an injury or surgery, it’s important to be aware of the facts and to take an active role in their recovery. Here’s how you can help:

Talk frankly with your child’s doctor, dentist and pharmacist
No parent wants to see their child in pain. To ensure yours receives the proper aftercare, get the facts from your health care provider. Ask about the standard recovery time for your son’s or daughter’s procedure, how much medication is necessary, and when your teen should stop taking the pills.

Know the options for pain relief
Opioid painkillers are rarely necessary after wisdom tooth removal, according to Dave Thomas, PhD, a health scientist administrator at the National Institute on Drug Abuse. ‘‘NSAIDs work as well or better in those situations,” he says. The American Dental Association also recommends simple NSAIDs, such as ibuprofen, as the first line of pain therapy after dental procedures. (Exparel is a pain-management medication that’s an alternative to opiates. Through Costco’s Aetna Dental Plan, you can receive this medication at no cost to you. Talk to your dentist to see if it’s right for your teen’s procedure.)

Alternative pain-management techniques can boost the effectiveness of over-the-counter drugs, especially in young people. Options include ice packs, distraction (video games, TV), massage, mindfulness and even old-fashioned TLC.

Talk with your kids
Getting through to teens isn’t always easy. Pick a time when you’re both relaxed and focused. Go in with some talking points to anchor the conversation. For example:
  • Calmly explain the dangers. Many teens assume that drugs that are prescribed by a doctor and come from a pharmacy must be safe. But opioids pose special risks. The difference between the prescribed dose and an overdose can be very small. (Even with opioids prescribed by a trusted doctor, there’s always a risk of dependency.) Opioids also seriously impair your ability to drive. And it’s hard for doctors and patients to know when regular use switches to addiction ― until you try to quit. “That is when they realize they have a problem,” says Lynne Kain, an Aetna case manager who counsels young drug users. “They had never tried to stop before and thought it was just ‘recreational’ use up to that point.”
  • Urge them not to share medication. Dosage is highly individual: What’s safe for one person can be dangerous for another. And opioids can be deadly when mixed with other common medications, such as anti-anxiety and insomnia drugs.
  • Use your own words, not clichés. “I feel that catch phrases like ‘Just say no’ are outdated with the teen population of today,” says Kain. “Concrete facts and examples resonate more and show you are respecting their intelligence.”
The National Institute on Drug Abuse offers excellent guidance on how to have difficult conversations with your teen, including videos showing positive and negative approaches.

Maintain control of your child’s painkillers
Even responsible teens or those managing their medication for other conditions should not be allowed to control their painkillers. “Parents should closely supervise opioid use, keeping the bottle in their possession at all times and giving the medication only as needed,” says Harold Paz, MD, chief medical officer at Aetna®. Store pills in a safe place where they aren’t readily accessible, like a lock box or a lockable drawer.

Source: “How to talk to your kids about prescription drug abuse,” Aetna

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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

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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.
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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).

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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. 
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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.

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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.

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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!