(NewsUSA) - Online technology has many potential benefits for children and teens, but recent news about online platforms contributing to physical and mental health issues highlight the importance of educating youth about smart internet use and good digital citizenship.

Some of the problems associated with excess internet use include: increased depression and anxiety, self-harm, cyberbullying, body image issues, and obesity.

Other effects include sleep and vision problems.

Finally, some parents report that their children and teens are becoming disconnected from real-world relationships with friends and family.

Managing online time and blocking access to inappropriate content can help address these problems without losing the benefits of internet access.

The OurPact app is a free tool for parents to help them not only protect their children online, but teach them how to be savvy internet users themselves.

Key features of the OurPact app include:

• Multitasking. The app is customizable with separate management preferences for different children, or harmonious control of multiple devices used by a single child.
• Rule-making. The App Rules section of OurPact lets parents know all the apps installed on their children's devices. Parents can block specific apps, or set different rules for different apps, educational vs. games or social media.
• Timing. The screen time allowance feature encourages personal responsibility by allowing children to budget screen time throughout the day on their own, or parents can set the budget.
• Blocking. Excessive texting can interfere with homework or mealtime; OurPact allows for limiting iMessaging and SMS using schedules, allowances, or manual blocks.
• Filtering. A web-filter feature gives parents peace of mind by keeping adult content off iOS child devices.
• Locating. The app can serve as a family locator that works for families of any size, and can serve to keep tabs on kids' whereabouts, coordinate pickups, or find lost devices. Parents also can set up geo fences around specific locations so they are alerted when a child reaches school, home, or Grandma's house.

In addition, OurPact allows parents visibility into their child's online activity via automated screenshots -- periodic, on-demand, or private gallery -- encrypted for maximum security.

OurPact is available via the App Store and Google Play. Visit ourpact.com to learn more and sign up.

(NewsUSA) - The electric car trend shows no signs of slowing down, and the next generation of electric cars are more than up to speed. Although widespread adoption of electric vehicles (EVs) got off to a slower than expected start in the United States, more car shoppers are seeing the benefits of EVs and hybrids. Several improvements in the latest models have helped overcome some hurdles that might have made buyers hesitant to embrace EVs.

Some of the key features consumers want include:

- More power. Consumers want increased range and fast charging. The battery life of newer electric cars allows for several hundred miles on a single charge.

- More style. Car buyers don't want to sacrifice comfort and style, and manufacturers are rising to this challenge with roomy designs equal to those of conventional cars.

"Consumers are ready to switch to electric vehicles," according to Brian Moody, Executive Editor for Autotrader.

"Things they consider when thinking about buying an electric vehicle include reduced environmental guilt, less time refueling, and never having to change your oil again," he says.

One example of the latest in EV technology is the EV6, auto maker Kia's first entry into the battery-powered vehicle market. (Click here to view video).

The EV6 features an ultra-fast 350-kilowatt charger that enables the car to go from a 10 percent to 80 percent charge in less than 18 minutes, ready for up to 210 miles of range.

It's also designed with a distinctive Vehicle-to-Load (V2L) feature that enables use of the battery as a mobile power source for multiple applications, according to the company website. Other advances include both rear wheel drive and dual-motor all-wheel drive, as well as two battery sizes, 58.0 kWh and 77.4 kWh.

The latest battery technology meets consumers' need for speed with the 576 HP power to go from 0 to 60 miles per hour in less than 3.5 seconds. The style factor is there, too. The EV6 channels the design of current crossover vehicles with a four-door sedan body and seating for five passengers. The EV6 is scheduled to debut in early 2022.

Visit kia.com for more information about the latest in electric vehicle technology.

(NewsUSA) - Deciding to select and partner with a financial planner to bring all the pieces of your financial life together is a big step for you and your future.

But before you meet with your CERTIFIED FINANCIAL PLANNER™ for the first time, you should familiarize yourself with the financial planning process, gather key information, have an idea about your goals and prepare a list of questions.

"You should also have an idea of what your CFP® professional is likely to discuss at the meeting," says Elaine King, CFP®.

This preparation is very important, but unfortunately, often forgotten by many new clients when meeting their financial planner for the first time.

"I have found that when some clients first meet me, they spend a lot of time over-explaining or justifying their prior financial decisions," says Charles Weeks, CFP® "In this case, don't worry. Your CFP® professional is not here to judge you -- only to help you!"

Below are some common financial mistakes that many clients make before they meet with a financial planner.

"If any of these sound familiar to you, you may want to address them before meeting with your CFP® professional the first time," Weeks adds.

- Insurance issues. Many people don't know what their insurance policies cover and don't cover. "At a minimum, you need to make sure you carry enough underlying liability insurance to protect your assets and income if you are involved in an accident or lawsuit," Weeks advises.

- Insufficient emergency funds. Weeks says he rarely sees clients with the recommended "emergency fund," three to six months' worth of nondiscretionary expenses. An emergency fund should be kept in a cash or cash equivalent, so it maintains its expected value and can be readily available when needed.

- Cash-hoarding concerns. Some cash is good, but hoarding too much cash can be detrimental. The main problem: Inflation will reduce the purchasing power of cash over time.

- Debt-management doubts. "Know the difference between good and bad debt," Weeks says. Good debt is debt we hold on appreciating assets such as a mortgage or a business loan. Bad debt is debt owed on depreciating assets, such as high-interest-rate consumer debts. Bad debts should be prioritized and paid as quickly as possible.

- Estate-planning procrastination. Your loved ones need a blueprint on dealing with the financial consequences of your passing. "By leaving family members unprepared, you leave them vulnerable to financial hardship on top of the emotional hardship they already bear," says Weeks.

If you are guilty of any of these financial pitfalls, explain them to your CFP® professional, and he or she will help you develop a sound financial plan.

Visit LetsMakeAPlan.org for more information on how to find a CFP® professional, common financial missteps and how to make the most of that first meeting.

(NewsUSA) - After spending years working hard and saving up, retirement is that welcome reward of relaxation, travel, and new hobbies, or even a transition to something new such as consulting or a new business endeavor. While most people can say definitively that they would like to and plan to retire, the issue of when is often less clear.

The ideal age for retiring depends on several things -- occupation, health status, financial circumstance, and the state where you reside. While some pension plans allow you to start collecting early- retirement benefits as soon as age 55, generally, most people today are opting to retire later.

Nationally, the average retirement age is 64, though in some states, the average retirement age is 66. The decision to retire later can impact several important life decisions. For example, healthcare considerations for someone who retires at 65 versus 55 are quite different.

We'll highlight some points to consider as you gear up to slow down.

Coverage Shifts

Medicare eligibility begins for most individuals around age 65, so if your retirement coincides with that milestone birthday, it's a good idea to learn more about Medicare as well as Medicare-Related Options for those enrolled in Medicare Part A and B. You can find details about enrolling in Medicare for the first time by visiting this informational site for AARP members.

For those not yet eligible for Medicare, and for other considerations not covered by Medicare such as vision, prescription drugs, and dental care, retirement might mean a shift from employer-sponsored insurance to individual insurance. If you had employer-sponsored insurance, your employer did the insurance research and provided you with coverage options. Now, as a retiree, you can select the coverage options that align with your health and financial needs.

Financial Considerations

By leading a healthy and active life, many people are living longer, which means that even if you retire later, you'll have plenty of time to enjoy. However, costs are also rising on everything from groceries to gas, making the prospect of living on a fixed income stressful. With a little advance planning, though, it doesn't have to be.

Prescription medication is common as you age and can be a regular expense. Nearly 90 percent of adults aged 65 and older use at least one prescription drug. The good news is that AARP members have access to a free prescription discount card from AARP® Prescription Discounts provided by OptumRx® that can be used to save on FDA-approved medications. While anyone can enroll, AARP members can unlock deeper discounts and benefits such as home delivery, coverage for dependents, and more.

Maintaining a focus on your health now also means you may be able to avoid chronic health issues down the road, and you can consider coverage options that cover regular doctor's visits and exams.

Annual wellness visits, eye exams, and dental visits help you monitor and even potentially prevent more serious, and costly, health issues. Most eye conditions can be treated if found early, for example, so you may want to look for health coverage that includes vision benefits. Not only do these benefits include eye exams, but AARP® Vision Discounts provided by EyeMed also provide savings on prescription glasses.

Oral health can also deteriorate with age, and over time, teeth can become more brittle and susceptible to decay, infection, and gum disease. Dental insurance provides coverage for regular visits and any special procedures or treatments that may arise. And AARP members have access to affordable plan options specifically designed to meet their needs.

Resources

When it comes to healthcare, it's important to plan and research to make your retirement years enjoyable ones. Fortunately, there are many tools available to guide you in making decisions that work best for you. AARP members have access to resources that provide detailed information, discounts, and more to ease your healthcare search.

You've worked hard to achieve retirement, so why not enjoy it by taking the necessary steps to ensure continued good health and proper coverage? Start putting your plan in place by visiting this informational site today. 

(NewsUSA) - Choosing a Medicare plan is a big decision for eligible individuals, including those who are 65 or older or are living with a disability, because the plan you select during the Medicare Advantage and Prescription Drug Plan annual enrollment period is the plan you'll have for the coming year, with a few exceptions.

Eligible individuals should take time to research plans and compare available benefits during the enrollment period -- which runs from October 15 to December 7 -- as there are key factors to consider based on your health needs, such as pharmacy coverage offered through a Medicare Advantage plan or stand-alone Prescription Drug Plan (PDP).

For some people, stopping at a local pharmacy is a convenient option to pick up their prescriptions. However, there may be other ways to get prescriptions if you have a Medicare Advantage plan with prescription-drug coverage or a PDP that includes access to prescription drug home delivery pharmacies in the plan's network. The advantages of home delivery via mail can include the comfort of knowing you'll never run out of your prescriptions, and the convenience of having your medications mail-delivered to your doorstep.

Whether you choose a Medicare Advantage plan that offers prescription drug coverage, such as Humana Medicare Advantage plans, or a PDP, check to see whether the plan includes prescription-drug home delivery pharmacies in the network and consider the following tips to help you get the most from home delivery pharmacies:

• Go Online or Download the Mobile App: By utilizing your pharmacy's app or website to manage your prescriptions, you may be able to submit requests for new prescriptions and medication transfers, establish delivery times for eligible medication orders, track your medications and deliveries, and have a live chat with a pharmacy specialist --all from the convenience of your home.
• Get a 90-Day Supply: Many medications will allow for a 90-day supply, resulting in fewer refills and may result in cost savings for you.
• Sign-up for Auto Refills: Spend less time worrying about running out of your medications: the auto refill option, if a pharmacy offers it, will automatically deliver your next order right to your door! If auto refill is not for you, be sure to set your communication preference for refills and you may be able to receive a reminder notification.
• Compare the Costs: Many plans, such as Humana, have a "switch and save" option for some medications, which provides suggestions for generic options at lower costs.
• Build a Personalized Medication List: Seeing multiple doctors usually means having several medications. Use your plan's app or website to maintain a single, complete list of all your prescriptions to avoid adverse reactions.

For more information about prescription drug home delivery pharmacies, you can call 1-800-MEDICARE (800-633-4227) or go to Medicare.gov. To learn about Humana's Medicare Advantage plans, visit www.Humana.com/Medicare or call 1-800-213-5286 (TTY: 711) to speak with a licensed sales agent from 8 a.m. to 8 p.m. local time, seven days a week.

Additional Information:

Humana is a Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organization and a stand-alone PDP prescription drug plan with a Medicare contract. Enrollment in any Humana plan depends on contract renewal.

Scott Greenwell, PharmD., is President of Humana Pharmacy Solutions, where he oversees the health plan's pharmacy solutions. He is based in Louisville, KY.

(NewsUSA) - Nationally, the average retirement age is 64, though in some states, the average retirement age is 66. The decision to retire later can impact several important life choices. When it comes to healthcare, it's important to plan ahead, whether you're retiring now or in ten years. Fortunately, there are many resources available to you regarding your decisions on benefits. For additional information visit AARP.org/benefits-discounts/healthcare and learn more about your healthcare options.