(NewsUSA) - As the weather outside cools down, our excitement builds for classic fall activities like apple picking, getting lost in a corn maze and nature hikes surrounded by colorful foliage. This year, GOLO, the wellness solutions company, wants you to add another fun activity to the fall schedule by entering the GOLO Fall Inspirations Giveaway.     

It’s easy, and entrants could win a special gift package, including the GOLO for Life® Plan with one bottle of Release® dietary supplement, an AeroTrainer® exercise platform, a COSORI Air Fryer and an Etekcity Fitness Tracker.     

Here’s how to enter the Giveaway:     

• Between October 25, 2022, at 8:00 AM EST and November 29, 2022, at 11:59 PM EST, you can enter by submitting your name, email and mailing address online here.     
• Include your favorite fall activity (for example, visiting a pumpkin patch).     
• Three winners will be selected at random from all eligible entries.     
• Click here for full details.     

Wherever you are on your health and wellness journey, GOLO offers a range of innovative products designed to help, including the GOLO for Life Plan®, a game-changing nutritional approach to losing weight, and a healthy alternative to conventional dieting. The program includes GOLO Release® (an all-natural dietary supplement), access to personal coaches and online tools.     

For more information on GOLO, please visit golo.com.  

(NewsUSA) - Experts agree that financial planning has many benefits. It can help you protect your family, worry less about finances and reach your goals at any stage of life. These benefits can be even greater if you work with a professional financial planner who is trained to show you how to make sound investment choices, save money on taxes and rein in high-interest debt, among other things.     

If you’ve decided that you need a financial plan and would like to work with a financial advisor to create it, you might be wondering where to find an advisor. Asking friends, family or colleagues to recommend an advisor can be a good place to start, especially if they earn a similar income as you and seem to be successfully managing their money. There are also numerous resources available online to help you find a financial advisor.     

One of those tools is LetsMakeaPlan.org, a website maintained by Certified Financial Planner Board of Standards Inc. (CFP Board). The site features a search tool that helps you find a CERTIFIED FINANCIAL PLANNER^TM  professional by location and planning services offered. CFP® professionals must complete an extensive, multiyear certification process that ensures they obtain the skills and real-life experience needed to provide comprehensive financial planning. They also make a commitment to putting your interests first.     

When you are hiring a CFP® professional, how you will pay for their services is a key question to ask. Different financial advisors may charge differently, or one financial advisor may offer several different ways that clients can choose to pay. Many financial planners use the assets under management (AUM) model, in which the financial planner gets paid a percentage of the assets they manage for you. Some CFP® professionals may earn a commission on a transaction. Others charge hourly fees, subscription fees or fixed fees for specific services. You should ask a CFP® professional to lay out the details for how they charge at the beginning of your engagement.    

Lower-income families or those facing a financial crisis may find help through the Foundation for Financial Planning. The foundation can help connect you with a CFP® professional who provides financial planning services free of charge. These connections are made through financial capability workshops and webinars offered by nonprofit groups and other foundation grantees, as well as through one-on-one financial planning sessions.     

Once you’ve found a competent, ethical financial planner, you can start the planning process together and begin working toward a more secure tomorrow.

(NewsUSA) - If you want to gain greater control over the things you do in your life, an illuminating place to begin is in understanding how your personal brain chemistry shapes those dynamics. Your brain is constantly seeking comfort. Whether it’s recovering from a stressful event that gets your adrenaline pumping or the slow drip-drip of low-lying stress, how you handle yourself boils down to how you’re hardwired, by what’s embedded in your inherited neurochemistry.

In OVERRIDE: Discover Your Brain Type, Why You Do What You Do, and How to Do It Better (Citadel Press), co-authors Clinical Psychologist Dr. Connell Cowan and Physician of Internal Medicine Dr. David Kipper note that while we are biologically and psychologically predisposed to perform these comfort-seeking behaviors, we can override them if we so choose. We can decline to perform our most self-sabotaging behaviors and even reduce — if not eliminate entirely — the desire and temptation to perform them in the first place.

Understanding your brain’s chemical tendencies, the authors say, explains how you set your stress relief in motion, and by understanding your tendencies, you’ll be able to make healthy life decisions for the better.

In exhilarating, illuminating, and frequently funny style, you’ll go from identifying your personal neurotype -- through an easy and accurate test -- to understanding your vulnerabilities, and break out of self-defeating patterns to make meaningful change with a science-based approach.

Your neurochemistry puts you into one of two tribes: Swords are coded to be particularly sensitive to stimulation, novelty, reward, and external expression, while the Shields of the world are coded to be more cautious, sensitive to avoiding harm and danger, and internalizing emotions. The coping styles we revert to under stress have evolved to help us survive, but they are also the root cause of our most destructive and stubborn behaviors.

OVERRIDE details a path to change that can start immediately and last a lifetime. Complete with easy-to-use strategies and exercises, here are engaging micro and macro insights into iconic human problems, backed up by the latest scientific research into why we are the way we are.

The authors come with topnotch credentials. Cowan co-wrote Smart Women/Foolish Choices, a runaway bestseller that spawned an entire genre of books dealing with male/female dilemmas. The book spent nearly a year on the New York Times bestseller list, sold millions of copies, has been published in 23 different languages, and was made into a hit musical. His second book, Women Men Love/Women Men Leave, also became a NYT bestseller.

Kipper has practiced internal medicine for over three decades. He has appeared as an expert commentator on all major networks, has produced numerous programs on health and health care, appeared on the Today Show, and contributes to the Huffington Post. Dr. Kipper is currently a co-host for ABC radio’s The Medical Show, a weekly national call-in show addressing all areas of medicine.

Combining groundbreaking research with inspiring and revelatory real-life stories of struggle and transformation, OVERRIDE will reveal the blueprint of your DNA and give you a practical, easy-to-grasp, yet revolutionary framework for achieving the life you really want. It is most definitely worth your time.

Purchase at https://amzn.to/3QGNK4G.

(NewsUSA) - New research in the treatment of small cell lung cancer offers hope to patients.     

Until recently, small cell lung cancer (SCLC) was considered a forgotten cancer, but now there is a new type of chemotherapy treatment and promising research into targeted therapies that may shrink the tumors of a subset of small cell lung cancer patients.     

Small cell lung cancer (SCLC) is currently only treatable by chemotherapy and immunotherapy, and it is difficult to identify, so most patients are already an in advanced stage of cancer when they are diagnosed. SCLC spreads quickly and is resistant to many treatments; it also comes back more aggressively after treatment. However, researchers have identified a subset of SCLC patients who appear to respond to drugs that are already proven cancer fighters; the proteins in the tumors of these patients make them more receptive to targeted therapies, according to the researchers.   

“The next step in the research is enrolling patients in clinical trials, which are safe and the gold standard of care for SCLC patients,” says Dr. Dwight Owen, a medical oncologist at The Ohio State University.     

Dr. Owen recommends that all adults aged 50 years and older with a history of smoking, or who are current smokers, should be screened for lung cancer. However, “anyone with lungs can have lung cancer,” he emphasized.     

Meanwhile, Dr. Owen encourages anyone with a lung cancer diagnosis to ask their doctor about clinical trials, which are often the best resource for the most advanced treatment.     

“Clinical trial research determines if a promising new treatment, drug or device is safe and effective. For many patients, these trials are the best treatment option and provide new treatments that help them live,” he says.     

Many clinical trials are using telemedicine to “take the trial to the patient” to make clinical trials more accessible to more patients.     

“You should always ask questions to make sure you understand what you will need to do to be part of a clinical trial and make sure you are comfortable,” Dr. Owen explains.     

Be sure to ask your medical team about whether clinical trials could be part of your treatment.     

For more information, visit LCFAmerica.org or text L-C-F-A to 41444.

(NewsUSA) - The NBA season tipped off  Tuesday, October 18th with no true consensus favorite to take this year’s Championship title. The NBA Championship futures market at BetUS.com shows the Boston Celtics and the Golden State Warriors tied at +600 (6-to-1) odds to win the 2023 Championship, followed closely by the Brooklyn Nets and Los Angeles Clippers, both of which are paying +700 (7-to-1). The Milwaukee Bucks round out the top five, paying +800, or 8-to-1. These odds will change as the season progresses, however.     

An offseason full of big trades has resulted in what ESPN’s well-known sports betting analyst, David Purdum, is predicting to be “one of the most competitive NBA seasons in decades.”     

This means that both bookmakers and bettors are hard at work gauging this season’s teams.  And for those bettors willing to put some money down on their team early in the season, it means higher returns than would be available as the season progresses, according to Barry Barger, senior betting analyst at BetUS.     

“Futures markets in sports betting are betting lines that are offered on events that are set to occur sometime away, as opposed to the next game on a team’s schedule. Once the bettor has placed a bet on his/her odds of choice, they have locked in their bet at the odds provided at that time and will be paid out at that rate should their wager be a winner when the event occurs,” Barger says.     

“The big advantage to betting your team to win the Championship now, versus ‘waiting to see how things go’ during the season is that right now, you can bet any of the 30 teams in the NBA to win the Championship at what we call ‘plus money,’ or positive odds.  

For example, even this season’s favorites like the Boston Celtics and the Golden State Warriors will pay +600, or 6-to-1, if you bet them now to win the Championship.  No matter what team you bet, you’re going to win multiples of your original stake if your team wins it all this year,” Barger says. “That won’t be the case as the season progresses.”     

But betting the future 2023 Champion isn’t the only future or ‘prop’ that is popular with NBA bettors these days.       

NBA futures allow you to bet not only on the NBA Championship, but also on who will win the Eastern or Western Conferences and even the division champions. Betting on the number of regular season wins a particular team will have is also a popular wager.     

“And unique to this year, the prop that has fans really excited is when -- and where -- Lebron James will break Karim Abdul-Jabbar’s all-time scoring record,” Barger adds.     

Other popular NBA futures and props include betting odds on NBA Rookie of the Year, NBA Coach of the Year, NBA Defensive Player of the Year and NBA Regular Season MVP to name a few.     

In short, the appeal of future bets is that they offer potentially larger returns and provide a longer time horizon over which your bet will win or lose, providing more entertainment value while you cheer on your pick or picks over the course of the season, Barger concludes.

(NewsUSA) - The Medicare Advantage and Prescription Drug Plan Annual Election Period is underway, running from Oct. 15 through Dec. 7. Whether you are new to Medicare or are re-evaluating your options for a health care plan, navigating the abundance of choices can feel overwhelming. This is especially true for Veterans who also may be covered by other government-sponsored benefits, like those offered by Department of Veterans Affairs (VA), depending on their time in service and disability rating. With there being so many options to choose from, the biggest challenge is often knowing where to begin.     

To select the best plan for your health needs, it’s important that all Medicare eligible individuals, including Veterans, conduct a personal needs assessment. To start, consider your unique needs, such as:     

• What health coverage will I need in 2023? Medicare Advantage plans often offer all-in-one features for beneficiaries to receive dental, vision and hearing all in one plan, in addition to other benefits such as access to urgent care and prescription drugs. Also consider if you may need to see a specialist or have a surgery planned so you can ensure your preferred doctor is in network.     

• What additional benefits would I use? Plans with additional benefits that support mental health services, increase access to fitness programs, or even transportation services to doctor appointments can help Veterans maintain their health. There are also plans that can provide allowances for eligible members to help pay for healthy foods, rent and utilities, pet supplies and more.     

• How can my VA benefits work with a Medicare Advantage plan? Although VA and Medicare Advantage benefits do not coordinate coverage, they work alongside one another. Veterans can enroll into any MA plan, but Humana has designed some plans with Veterans in mind, like the Humana Honor plan.  Humana Honor Plans are available to anyone eligible for Medicare and they provide coverage that can complement healthcare benefits from the VA. All Humana Medicare Advantage plans are recommended by USAA     

If you are eligible for Medicare, take the time to evaluate your options to find the one that best fits your health needs. While these questions can serve as a starting point for Veterans to identify plans that will best suit their needs, there are additional resources available. Medicare.gov allows you to compare plans and estimate costs based on what a typical enrollee experiences.     

Additionally, you can visit www.Humana.com/Medicare/Veterans or call toll-free 1-888-372-2614, 8 a.m. - 8 p.m. local time, seven days a week, to speak to Humana licensed sales agents. In addition, current Humana members can call toll-free 1-888-372-2614, 8 a.m. - 8 p.m. local time, seven days a week to speak with Customer Care specialists that are Veterans themselves and have collaborated with USAA to receive special training to serve the unique healthcare needs of Veterans. H

umana is a Medicare Advantage HMO, HMO SNP, PPO, PPO SNP, and PFFS organization with a Medicare contract. Enrollment in any Humana plan depends on plan renewal. The Humana Honor plans are available to anyone eligible for Medicare and veterans should consider all their health plan options. USAA and the USAA logo are registered trademarks of the United Services Automobile Association. All rights reserved. USAA means United Services Automobile Association and its affiliates. Use of the term “member” or “membership” refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.