Live Better
It pays to give: 5 ideas for investing in your world
(Family Features) In a world fraught with social, political and environmental strife, a mindset that involves a more community-driven approach can make a meaningful difference. Each person’s contributions to improve the earth can send a ripple effect that ultimately transforms communities and the people who live within them.
Consider these examples of actions you can take, some bigger than others, that benefit the larger community.
Create Shared Common Spaces
Nearly every community can benefit from the addition of resources that benefit multiple families. Examples include community gardens, playgrounds, parks and sites for regular farmers’ markets, to name a few. These may be wholly new projects or restoring facilities that have faded into disrepair over time. Acquiring the space is often the greatest challenge, but if you’re inspired to lead such an effort, forming a committee of like-minded peers can be an effective step toward raising the funds to create a project that benefits the community at large.
Donate to Charitable Causes
Supporting the efforts of existing organizations that help fill gaps in your community is another way you can make a difference. Offering your time as a volunteer is one option. You might provide extra hands for relatively simple jobs like sorting food or clothing donations, or if you have a particular skill, talent or training, donating your time and expertise could help offset administrative expenses and help the organization operate more efficiently. That ultimately means the organization can more effectively deliver on its mission.
Financial contributions are also a meaningful way to support a worthwhile cause in your community. Writing a check may not feel as personal as getting hands-on to help, but without the support of financial donors, philanthropic organizations simply couldn’t provide the community resources they do. Many organizations will tell you what level of contribution would be most helpful based on their current fundraising needs, and you may have options for a one-time or ongoing gift.
Snack Smarter
When you’re thinking in terms of how to improve your community, your eating choices may not be on your radar. However, what you eat has a major impact on the community in multiple ways. That’s why you hear a great deal of talk about sustainability directed at food production, which affects the environment in numerous ways along the food supply chain, from air pollution to waste to energy consumption. By choosing ingredients and foods that minimize the impact on the environment, you can show food manufacturers that consumers want products sourced and produced responsibly.
One example is Airly Oat Cloud crackers; each box explains how many grams of carbon dioxide you are helping remove from the air by supporting an innovative farming technique, which makes agriculture a solution, not a contributor, to climate change. Sustainable can be tasty, too. Made with real, wholesome and 100% delicious ingredients, all four flavor varieties (Cheddar, Sea Salt, Chocolate and Salted Caramel) make for satisfying, convenient anytime snacks.
Support Local Businesses
Particularly over the past couple of years, local businesses have fought hard to stay open, modifying their services, adapting to the times and generally trying to keep themselves and their local employees afloat. Rewarding those efforts by shopping in their stores and hiring their services keeps your money within the local community while keeping your friends and neighbors employed.
Those benefits aside, there are practical advantages to doing your shopping locally, such as lower emissions and energy consumption for transportation to and from the store or business. What’s more, businesses that are thriving tend to be stronger corporate citizens, supporting the community’s development and philanthropic needs for a true domino effect.
Clean Up Public Spaces
Beautification projects not only make your community a more inviting place to be, they can actually be good for the earth. Removing litter allows natural vegetation and wildlife to thrive, reduces health risks and promotes safety by sending a clear message that the community cares about its space.
Litter management can spur tourism and economic benefits, as well, since more attractive places attract more people. What’s more, clean-up initiatives bring neighbors together for a shared cause, and that goodwill generally transcends the one-time event to create a greater sense of connectivity among residents.
You can learn more about ways to take personal action to promote a better world at AirlyFoods.com.
A Recipe That Tastes Good While Doing Good
Even the best-tasting desserts can be prepared with thoughtful ingredients and habits that promote sustainability. This Better Than Mama’s Banana Pudding recipe features responsibly sourced products, compostable ingredients and other options to be earth-friendly, including recyclable packaging.
Better Than Mama’s Banana Pudding
- 1 cup sugar
- 1/4 cup brown sugar
- 1/2 teaspoon salt
- 4 tablespoons all-purpose flour
- 1 can evaporated milk
- 1/2 cup milk
- 1/2 stick butter, cut into 4 tablespoons
- 2 eggs
- 3 tablespoons vanilla
- 1 box Airly Chocolate or Salted Caramel Crackers
- 4 medium bananas, sliced
- whipped topping (optional)
- In medium saucepan over medium heat, whisk sugar, brown sugar, salt, flour, evaporated milk, milk, butter and eggs continuously until mixture begins to simmer and thicken, 8-10 minutes.
- Remove from heat and stir in vanilla. Cover with plastic wrap touching pudding. Let rest 1 hour in refrigerator.
- Layer 8-by-8-inch pan with crackers, reserving some for topping; sliced bananas; and pudding. Repeat layers then top with whipped topping, if desired, and sprinkle with crushed crackers.
Tips: Banana peels and eggshells can be composted. Evaporated milk can and cracker box can be recycled.
Photos courtesy of Getty Images (gardener and volunteers)
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Airly Foods
(Feature Impact) As temperatures cool, now is an ideal time to prepare your home for winter. Taking care of seasonal maintenance before the cold weather arrives can help protect you and your wallet from unexpected and costly repairs.
From clearing gutters to scheduling an HVAC tune-up, tackling a few projects now can help set your home up for a safe and comfortable winter. Consider this your ultimate fall home maintenance checklist from the experts at Carrier.
1. Clean Gutters
Leaves and debris collect quickly in home gutters and downspouts. Make sure they are clear so water can drain properly and away from your home’s foundation. If you wait until after temperatures drop, you run the risk of ice dams and water damage.
2. Inspect Your Outdoor HVAC Equipment
Remove leaves, grass clippings and debris that may have accumulated around your outdoor unit. Maintaining proper clearance can help support airflow and system performance throughout the season.
3. Replace HVAC Filters
A dirty filter can restrict airflow and force your system to work harder, potentially increasing energy use and reducing comfort. A simple filter check can also help prepare your heating system for increased use. Check your HVAC filter before turning on your heating system and continue inspecting it throughout the winter. To help maintain proper airflow, Carrier typically recommends replacing air filters every 1-3 months.
4. Test Smoke and Carbon Monoxide Detectors
When changing clocks, test your smoke alarms and carbon monoxide detectors. Replace batteries as needed. Working carbon monoxide alarms are especially important as temperatures fall and home heating systems begin running more frequently.
5. Schedule Your HVAC Tune-Up Before Winter Arrives
Don’t wait until the first cold day of the season to find out your heating system isn’t ready for winter. Annual maintenance can help improve efficiency, extend equipment life and identify potential issues before the heating season begins. Experts often recommend having an HVAC professional perform annual furnace maintenance in the fall before heating season begins. Routine maintenance can help keep a system operating in tip-top shape and allow a technician to identify smaller issues before they become costly repairs.
However, if replacement is recommended, the upfront price doesn’t necessarily have to stand between you and a more comfortable home. Consider options from Carrier, which offers flexible financing options through participating dealers. Depending on the financing plan you qualify for and your home’s heating and cooling needs, a new system could cost less than you think. Homeowners can also explore utility rebates on qualifying equipment.
6. Test Your Thermostat
Testing your thermostat early helps ensure your heating system is communicating properly before temperatures drop. Switch to heating mode early to make sure your system responds properly (just don’t forget to turn it back off). Replace batteries, if necessary, and consider whether a smart thermostat could provide additional comfort and control over your home’s heating schedule.
7. Seal Air Leaks Around Doors and Windows
Drafts can make a home feel colder and allow warm air inside your house to escape. Inspect weatherstripping around doors and windows and replace it where needed. Caulk visible gaps to help keep conditioned air inside and improve your family’s comfort.
8. Check Your Home’s Insulation
Finally, look at insulation in areas such as the attic, crawl spaces and basement. Doing so can help keep heated air where it belongs and reduce the workload on your heating system all winter long.
To learn more about preparing your heating or cooling system for the season, exploring financing and rebates or finding a local expert, visit Carrier.com.
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(Feature Impact) Travelers are more likely to trust a travel advisor over AI when the trip becomes complicated, expensive or likely to change. According to new research from ALG Vacations, a leading vacation package provider, 77% of AI users say they are likely to still rely on a human to make final travel decisions when using AI to plan.
The pattern is strongest among younger travelers. Millennials and Gen Z are using travel advisors at the highest rates of any generation, even as they also report higher trust in AI travel recommendations. Younger travelers are using AI and travel advisors for different parts of the same trip.
Are Millennials and Gen Z still using travel advisors?
Yes. Younger travelers are using both AI and travel advisors. In fact, among AI users, the youngest generations use travel advisors most:
- 51% of Millennials have used a travel advisor when booking a vacation
- 51% of Gen Z say the same
- 44% of Baby Boomers report advisor use
- 43% of Gen X report advisor use
The same generations leading on advisor use are also the most trusting of AI travel recommendations. Among AI users, 31% of both Millennials and Gen Z say they completely trust travel recommendations generated by AI, compared with 12% of Baby Boomers. They are using both.
When should you use a travel advisor instead of AI?
Consider using a travel advisor over AI when the stakes are high. AI users turn to travel advisors most often in these scenarios:
- 36% when something goes wrong, such as a canceled flight or a double-booked hotel
- 31% for complex or multi-destination trips
- 27% for group or family travel
- 27% for luxury or high-cost trips
When forced to choose between AI and a travel advisor for final vacation decisions, 44% of AI users pick a travel advisor and 37% pick AI. Among Baby Boomers, the gap widens sharply, with 59% picking a travel advisor and 15% picking AI.
What does a travel advisor bring that AI cannot?
Travel advisors bring human judgment, planning experience and direct support when a trip becomes more complicated. Among AI users, 82% say having access to a human for support when booking a vacation is extremely or very important.
That support matters when travelers are comparing options, booking a higher-cost trip, coordinating multiple people or adjusting plans after a disruption. AI can organize information quickly, but travelers still cite practical concerns about relying on it entirely.
The specific value travel advisors provide includes:
- Relationships with the people who run resorts, hotels and tour operators
- Access to deals and amenities not always available to the public
- Firsthand experience and industry knowledge
- Real-time support when plans change
- Judgment and personalization for complex trip planning
The top concerns AI users have about relying entirely on AI include important details being missed (42%), privacy or security concerns (42%) and having no support if something goes wrong (39%).
Is AI going to replace travel advisors?
No. The data shows AI and travel advisors, still commonly known as travel agents, serving complementary roles rather than competing ones.
AI is used for the research and inspiration stages of travel planning. Travel advisors are used for the booking, more complex decisions and moments when travelers want a person involved.
AI is now part of how people plan trips. Travel advisors are too. The travelers most comfortable using AI are also the ones turning to advisors most often.
To learn more about ALG Vacations and connect with a travel advisor, visit alg.www.vaxvacationaccess.com.
Methodology
ALG Vacations commissioned Atomik Research to conduct an online survey of 1,000 U.S. adults who currently use AI tools. The margin of error is plus or minus 3 percentage points at a 95 percent confidence level. Fieldwork was conducted between April 24 and April 28, 2026.
Atomik Research, part of 4media group, is a creative market research agency.
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(Feature Impact)For most households, buying a new vehicle is one of the largest financial decisions they’ll make. The purchase price is only the beginning, however. Fuel, maintenance, depreciation and insurance all contribute to the total cost of ownership, making affordability a consideration that extends well beyond the showroom.
To help consumers make more informed purchasing decisions, Mercury Insurance recently released its annual rankings of the most affordable new 2026 model year vehicles to insure, identifying the top-performing SUV, truck, sedan and electric or hybrid vehicles in four of today’s most popular categories.
“Consumers naturally compare purchase price, fuel economy, safety ratings and technology features before buying a vehicle,” said Chong Gao, director of research and development for Mercury Insurance. “Insurance is one of the few ownership costs drivers can estimate before making a purchase. Factoring it into the decision gives consumers a more complete picture of what that vehicle is likely to cost over the years they own it.”
While every driver’s premium is unique, this year’s rankings also revealed a broader trend: Practical, mainstream vehicles continue to offer some of the strongest long-term insurance value.
“Vehicles designed for everyday drivers often strike the best balance between safety, repairability and replacement costs,” Gao said. “That’s reflected in this year’s rankings, where familiar models from manufacturers like Hyundai, Chevrolet, Honda, Kia and Volkswagen rose to the top. It reinforces the idea that choosing a practical vehicle can pay dividends well beyond the purchase price.”
A Cost You Can Plan For
Unlike unexpected repairs or fluctuating fuel prices, insurance is a predictable ownership expense consumers can research before purchasing a vehicle.
Comparing insurance costs alongside purchase price, fuel economy, maintenance expenses and expected repair costs can help shoppers better understand the long-term financial commitment of vehicle ownership.
Factors Influencing Insurance Costs
Insurance costs are influenced by many factors, but repair complexity, parts availability, vehicle safety systems and historical claims experience all contribute to how a vehicle is insured. While advanced safety technology can help reduce accidents, vehicles that are easier and less expensive to repair can also help improve long-term affordability. Among the considerations insurers evaluate are:
- Repair and replacement costs
- Historical claims experience
- Vehicle safety features and crash performance
- Theft frequency
- Availability and cost of replacement parts
- Vehicle performance characteristics
The Most Affordable Vehicles to Insure
This year’s rankings show practical, mainstream vehicles continue to offer some of the strongest insurance value. The top spot in both the SUV and electric and hybrid categories was claimed by Hyundai while Chevrolet led the truck category and Volkswagen topped the sedan rankings. Rounding out Mercury’s rankings were several familiar nameplates recognized for balancing insurance affordability with everyday value.
SUVs:
- Hyundai Santa Fe
- Chevrolet Blazer
- Honda Pilot
- Kia Sportage
- Honda Passport
Trucks:
- Chevrolet Colorado LT
- Chevrolet Silverado C3500
- Ford Maverick and Ranger
- Hyundai Santa Cruz SE
- Toyota Tundra CrewMax
Sedans and Coupes:
- Volkswagen Golf R
- Acura Integra
- Honda Prelude
- Kia K4
- Mazda3
Electric and Hybrids:
- Hyundai Santa Fe Hybrid
- Chevrolet Blazer EV
- Kia Sportage Hybrid
- Ford Escape Hybrid
- Honda CR-V Hybrid
“The smartest vehicle purchase isn’t always the one with the lowest sticker price,” Gao said. “It’s the one that delivers the best overall value over time. Comparing insurance before buying gives consumers another tool to make a more informed decision.”
Visit MercuryInsurance.com to see the full rankings and request a quote to get a more complete understanding of long-term ownership costs.
Photo courtesy of Hyundai America (Hyundai Santa Fe)
Photo courtesy of Shutterstock (couple using laptop)
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