(NewsUSA) - Whether you are new to the workforce or a seasoned pro, retirement planning is the secret to long-term wealth, and it is never too early or too late to make a plan to live your best life in later years.

With the unique challenges and unpredictability caused by the coronavirus pandemic, many people were forced to neglect or ignore their savings and financial planning. That's certainly understandable. But as the economy improves, new workers and those approaching retirement can take advantage of smart ways to plan and save in a way that they may not have been able to a year ago.

The following tips from CFP Board, a nonprofit organization dedicated to benefitting the public by supporting professional standards in personal financial planning, may give you some ideas on how best to plan for your retirement:

- Go high-tech, with caution. "Keeping track of your personal finances is time-consuming and not what you want to do in your retirement years," says CFP Board Ambassador Bill Schretter, CFP®.

"I recommend all my clients automate as much of the saving and reporting functions as possible. However, I do not recommend that you use free service apps," he emphasizes.

Why? Many free service apps will use your information to try to sell you financial and non-financial products that you don't need and could siphon away from your retirement savings.

"I recommend that you purchase your own program or use programs that your advisor or bank provide to help you keep your finances organized," says Schretter. "Let an app automate regular tasks, but leave the most important financial advice and management to qualified human beings," he adds.

A CERTIFIED FINANCIAL PLANNER™ professional can provide guidance as you consider these points in retirement planning, whatever your current work status or age:

- Review your goals. Does your retirement wish list include a cruise to Alaska, an African safari, or your own house on a secluded lake in the woods? Do you want to open a small business, or help out your children and grandchildren with education costs? Consider potential expenses now to plan savvy withdrawals later.

- Watch for tax traps. "If your withdrawal plan puts you into a higher tax bracket, you might want to lower the amount you plan to pull out," says CFP Board Ambassador J.J. Burns, CFP®.

Also, diversify with a range of accounts that are taxed differently for more flexibility. If you don't have a Roth IRA or 401k, it is never too early or too late to start one, and a certified financial planner can give advice on moving some retirement savings into one of these accounts to maximize future income.

Visit LetsMakeAPlan.org for more advice and tips to make the most of your income in retirement.

(NewsUSA)

"Her Three Lives"
by Cate Holahan

In bestselling author Cate Holahan's new thriller, a family must determine the real enemy after a brutal home invasion breaks their trust in each other.

Jade Thompson is an up-and-coming social media influencer with a beautiful new home and successful fiancé. But there's trouble. Greg's suburban Connecticut upbringing isn't an easy match with her Caribbean roots.

Then a savage home invasion leaves Greg with a brain injury and glued to the feeds from his security cameras. As police investigate, Jade begins to wonder what Greg may know about their attackers.

Greg becomes convinced Jade's behavior is suspicious and wonders whether the break-in was really random. And whether he's worth more to Jade dead than alive. Purchase at https://amzn.to/3uLcteu.

"Ruby Falls"
by Deborah Goodrich Royce

"Imaginative, unique, spine-tingling," says New York Times bestselling author Sandra Brown.

Like the chilling psychological thriller, "The Silent Patient," "Ruby Falls" is a nail-biting tale of a fragile young actress, the new husband she barely knows, and her growing suspicion that the secrets he harbors may eclipse her own.

In this thrilling and twisty homage to Daphne du Maurier's "Rebecca," the story ricochets through the streets of Los Angeles, a dangerous marriage to an exotic stranger, and the mind of a young woman whose past may not release her. "Secrets abound in this bang of a book, a haunting tale … a stunner with serious Gothic vibes," says bestselling author Kimberly Belle. Purchase at https://amzn.to/3rfKLEF.

"Under the Southern Sky"
by Kristy Woodson Harvey

Recently separated Amelia Buxton, a dedicated journalist, never expected that uncovering the biggest story of her career would become deeply personal. But when she discovers that a cluster of embryos belonging to her childhood friend Parker and his late wife Greer have been deemed "abandoned," she's put in the unenviable position of telling Parker -- and dredging up old wounds.

Parker has been unable to move forward since the loss of his wife. He has all but forgotten about the frozen embryos, but once Amelia reveals her discovery, he knows if he ever wants to get a part of Greer back, he'll need to accept his fate as a single father and find a surrogate. Purchase at https://amzn.to/32ACJM2.

"Top Students, Top Parents "
by Kathleen Burns

Millions of parents are frustrated because they know their children can do better, yet they don't know how to help. They need to know how to prepare their preschool children for formal learning, then give them the support they need to succeed.

This how-to manual is packed with fun and creative activities, giving parents tools to make their children's education a vital part of daily living and child care. Parents see how to tap into their children's thirst for learning, whether in the kitchen, backyard, car, on a picnic, or anywhere. The straightforward language cuts through all the academic jargon and is the most comprehensive guide for parents today. Purchase at https://amzn.to/2DlRMQ7.

BookBites is presented by BookTrib.com.

(NewsUSA) - Engagement rings mean many things -- romance, love, commitment. Each love story is unique, each engagement ring is the start of a new love story, and each will be a witness to a lifetime of memories.

An engagement ring is inspired by courtship memories. If an engagement ring could talk, it might tell you a story of "boy meets girl" and how an awkward guy got up the courage to approach the girl across a crowded room. The story continues with dates, vacations, meeting the parents. An engagement ring might reflect on a first vacation together, favorite walk, and the features of a girl's personality that captivated the boy into popping the question.

A ring might recall asking a father's permission, sneaking a sample ring from a drawer to determine the perfect size, and even providing some inspiration for a design that would bring her to tears when she said "yes."

Engagement rings are followed by wedding rings, which tell the story of a bright day full of joy as two become one in front of family and friends. In the future, these rings will experience years of holding hands, warming hearts, rubbing shoulders, holding babies, and serving as a reminder of a lifetime of love with the love of your life.

Custom diamond engagement rings from Cornelis Hollander help you tell your unique love story with timeless beauty. Our engagement and wedding rings represent your love, energy, and commitment to each other.

The story doesn't stop with the walk down the aisle some bright day in June, it is only beginning, and the team of skilled designers at Cornelis Hollander is honored to help start you on your journey together.

The Arizona-based company has four decades of awards and testimonials for its customized engagement ring designs that range from classic to modern, with stunning settings and sparkling gems.

"Our diamond rings are exceptional because they are made uniquely for the wearer, making them exclusive, memorable, and personal. Your ring is the ultimate storyteller of your style and commitment," according to Cornelis Hollander's son, Walter Hollander, who inherited the company from his father.

Visit cornelishollander.com for more details and to explore a unique collection of handcrafted diamond ring designs.

(NewsUSA) - As the approach of warmer weather draws more COVID-19-weary people outside, the allure of being in nature and out on the water is inspiring a boom in the fishing boat business. Regular fishermen and novices are eager to get out and enjoy the challenge and contemplation that comes with pond and lake fishing.

But, this type of fishing presents some barriers. To really go where the fish are in a pond or lake setting, a small fishing boat is essential, and the right boat can get you on your way to a wonderful, "one with nature," experience.

Many current boat styles used for lake and pond fishing have certain disadvantages. Motors can get caught in vegetation, and deeper draft boats can't navigate shallow coves.

The Twin Troller, however, is an innovative small water fishing craft distinct from other boats on the market because it's designed specifically to address the criteria for successful pond and lake fishing. Here's how:

- Maneuverability. The Twin Troller carries two electric motors that are recessed within the boat's hull, eliminating the risk of a motor getting damaged on rocks or tangled in branches, weeds or other debris in shallow water. The in-hull propulsion allows quiet operation, shallow draft, and a 360-degree turning radius. In addition, foot pedal controls allow for a completely hands-free navigation experience, with no paddling required.

- Safety. The Twin Troller is lightweight and easy to handle. The flat-bottom design and strong sides offer maximum stability, without the tipping risk associated with jon boats, canoes, or kayaks, and anglers of all ages and flexibility levels can step in and out easily.

- Comfort. Nothing spoils a day of fishing faster than a stiff back or sore bottom from sitting on an uncomfortable boat bench. The Twin Troller features an elevated and padded seat so you focus on fishing.

"Freedom Electric Marine is dedicated to providing a one-of-a-kind experience for small water fishing enthusiasts through our high-performance Twin Troller boats," says founder Frank Jones.

Angier, N.C.-based Freedom Electric Marine was founded in 2007 by Jones, an avid fisherman who saw a niche in the market for a small electric motorcraft and assembled a team to help create one. The Twin Troller is manufactured in Madison, Indiana and ships to all 50 states.

For more information about optimizing your small water fishing experience, visit freedomelectricmarine.com.

(NewsUSA)

"The Living Room: A Lung Cancer Community of Courage"
by Bonnie Addario

The words "lung cancer" strike fear in all of us. But where is the hope? It can be found in "The Living Room," by Bonnie Addario, a 17-year survivor of stage 3B lung cancer and a determined activist on behalf of patients suffering from the disease. "The Living Room" tells the stories of 20 lung cancer patients who have bravely fought the disease and found ways to thrive, not just to survive.

The people you will meet in "The Living Room" will lead you to believe that miracles are all around us, that they're happening every day, and that they just might happen to the next cancer patient who picks up this book. Purchase at https://amzn.to/2LUl3pT.

"Attachments"
by Jeff Arch

At a boarding school in Pennsylvania, a deathbed request from the school's dean brings three former students back to campus, where secrets and betrayals from the past are brought out into the open -- secrets that could have a catastrophic effect on the dean's 18-year-old son.

Told in alternating points of view and time frames, "Attachments" is the story of two best friends and the girl they both love. The book is a puzzle -- and the only one who knows how all the pieces fit is in a coma. Revelations come out into the open, and someone is about to learn something he may or may not be able to handle. Purchase at https://amzn.to/3vs8dQG.

"Don't Say a Word! A Daughter's Two Cents"
by Elizabeth Roper Marcus

For the over 44-million adult children in America whose parents are driving them crazy and for baby boomers who are laughing about it, this is one of the few complete comic narratives that plumb the emotional challenges involved, as we navigate the line between anguish and laughter, rage and love.

"Don't Say A Word!" illuminates the maddening challenge of watching our parents' final decline, a challenge familiar to frazzled adult-children everywhere.

A perpetually warring, tyrannical pair in their 80s -- a Macy's dress buyer and a dentist -- begin wintering in Mexico.?The surprising ways in which these parents come undone reveal just what they'd spent their lives trying to hide, thereby setting her free. Purchase at https://amzn.to/3pjc7sT.

"The Magic Pond"
by Hélene Schweiger

"There is a silver lining to every cloud." That is the motto of author Hélene Schweiger, who presents us with a tale about courage, adventure, and the magic of friendship, geared for children as well as adults. As we all go through difficult experiences and changes in our lives, the message in this story helps see the strength we have in ourselves to become who we truly are.

The author loves nature and sees beauty everywhere. She uses storytelling on a daily basis as a perfect way to convey messages to children and adults, helping children become the wonderful adults they have the potential to be. Purchase at https://amzn.to/35wRHVa.

BookBites is presented by BookTrib.com.

(NewsUSA) - Women have a lot on their plates, and sometimes important self-care can take a back seat to work, family and other obligations.

In fact, nearly 50% of adult women have high blood pressure, and nearly three-quarters of those with high blood pressure don't have it under control. Uncontrolled high blood pressure can significantly increase a woman's risk for a stroke, but a few important steps can help reduce that risk and give women (and their loved ones) one less thing to worry about.

"High blood pressure is a leading cause of stroke and we know that 1 in 5 women will have a stroke and stroke kills more women than breast cancer," according to Dr. Monik Jiménez, a volunteer with the American Heart Association / American Stroke Association and associate epidemiologist at Brigham and Women's Hospital and assistant professor of Medicine at Harvard Medical School and Harvard T.H. Chan School of Public Health.

"While high blood pressure isn't directly linked to gender, different health issues throughout a woman's life, such as birth control, pregnancy, and menopause, can increase the risk of developing high blood pressure, which can increase the risk of stroke if left uncontrolled," according to Jiménez.

Doctors and researchers have found a link between birth control pills and an increase in blood pressure among some women. They say that it is more likely to occur in women who are already overweight, have kidney disease or have a family history of high blood pressure. A combination of birth control pills and smoking can be very dangerous to women and is not recommended. A woman's health during pregnancy can be a preview of her health in the future. Women who had high blood pressure during pregnancy are at an increased risk for developing high blood pressure and having a stroke later in life. The physical changes associated with menopause also increase a woman's risk of developing high blood pressure.

Of note, women of Black and Hispanic ethnicity may develop high blood pressure at a younger age and have a higher average blood pressure than other racial groups, according to the Centers for Disease Control and Prevention.

Fortunately, 80% of strokes may be prevented and lowering high blood pressures reduces stroke risk. Women can measure their blood pressure at home regularly and let their doctors know if it's normally above 120/80.

In addition, lifestyle adjustments such as getting enough exercise, eating healthfully, maintaining a healthy weight, and not smoking can go a long way to reduce women's disease risk from high blood pressure.

For more information and tips about women's health and stroke prevention at all stages of life, visit GoRedForWomen.org/Risk