HEALTHY LIVING
Demystifying insurance to ensure proper coverage
(Family Features) Home and auto insurance are among the things many people buy but hope to never use. Proper coverage provides peace of mind that an accident, weather event, natural disaster or unexpected injury or illness won’t cause financial ruin. However, many Americans are uninsured, underinsured or paying too much for coverage.
Data from the Insurance Research Council cited by the National Association of Insurance Commissioners shows 12.6% of U.S. motorists are uninsured – approximately 1 in 8 cars on the road. For uninsured drivers, plus those involved in accidents with them, fender benders or worse can result in out-of-pocket costs.
Homeowners need to be properly insured, as well. According to the National Centers for Environmental Information, the U.S. has experienced more than 350 weather events or natural disasters since 1980 that have caused more than $1 billion in damage. Even small thunderstorms can send tree branches into homes, causing thousands of dollars in damage. For home and auto insurance, consumers should be sure their policies cover replacement and repair costs at today’s market rates in addition to liability coverage for personal injury and other damages.
Insurance helps bridge these gaps, but it’s common for people to renew policies without checking them. Because insurance policies are often seen as complex and confusing, that may prevent people from purchasing proper coverage.
A 2022 survey from realtor.com found only 56% of homeowners knew what to look for in their homeowners insurance policy when they bought their homes, and 15% didn’t have any idea what to check. In addition, Forbes Advisor reported 40% of drivers believe they had coverage that doesn’t even exist.
Consider these challenges consumers face when shopping for and comparing insurance policies and providers:
- Industry Jargon and Lingo – When you visit a website or talk to an insurance agent, you may feel like you’re speaking a different language with terms like “deductible,” “premium,” “co-pay,” “additional insured,” “aggregate limit” and “co-insurance.”
- Bait and Switch – Insurance carriers sometimes advertise low rates, but your rate may be higher than expected when you apply, often with no explanation.
- Fine Print – “Sorry, that’s not covered.” These can be chilling words to hear when you’re hoping your insurance policy comes through for you in a time of need. An explanation may be deep within the policy, but you may need a magnifying glass to find it.
- Transparency – Many decisions that affect rates and coverage may seem to be done behind a curtain, such as rates in comparison to neighbors, remodeling impacts on rates, rate changes based on age and more.
- Apples to Oranges – With many moving parts within the average policy, it can be difficult to compare rates and coverage.
Improved technology is helping solve some of these issues and deliver an improved experience. A decade ago, the only way to compare insurance rates was to make phone calls, meet with agents and read brochures. Even with the internet, you still need to visit multiple websites and take notes, often entering the same personal information time and time again.
Today, insurance marketplaces, like the flagship platform from Guaranteed Rate Insurance, make it easy to compare multiple carriers, all at once, with a single application. Customers enter basic information to receive quotes for home and auto insurance coverage from more than 50 top-rated carriers, allowing for a quick, side-by-side comparison of coverage options.
“The primary benefit insurance delivers is peace of mind,” said Jeff Wingate, executive vice president and head of insurance for Guaranteed Rate. “If the relationship between an insurance provider and customer begins with stress, confusion and frustration, the provider isn’t delivering the desired service. That’s why we made it easy for consumers to make informed decisions about rates and coverage from trusted and reliable providers.”
Life insurance, umbrella, jewelry, flood, pet, landlord and earthquake policies are among the other coverage options available for comparison. Coverage benefits are easy to read with clearly explained terminology and experienced agents standing by to answer questions or assist with purchasing a policy.
To find more information and explore the insurance marketplace, visit rate.com/insurance.
Photos courtesy of Getty Images
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Guaranteed Rate
HEALTHY LIVING
Grow healthier plants, use less water by improving soil
(Feature Impact) Almost every gardener knows the frustration: One corner of the garden bursts with life while another struggles to hang on. Flowers are slow to open, vegetables disappoint and the soil seems to drink up water and ask for more.
However, seasoned gardeners know the difference between a struggling garden and a thriving one almost always comes down to what’s beneath the surface.
Success Runs Soil Deep
The change in seasons can leave soil compacted and depleted, so spending some time giving it a boost can set the stage for strong, healthy plants. It may also be easier than many gardeners think to give soil the help it needs. Blending in amendments like biochar improves soil health, helps retain water and locks in nutrients.
An easy-to-use yet powerful conditioner that helps balance soil pH, Wakefield BioChar boosts soil fertility and supports stronger, healthier plant growth. Once it’s mixed into soil, biochar becomes a powerhouse worker. It holds onto water like a sponge, slowly releasing and making the water accessible, so plants continually receive moisture and gardeners need to water less. It also makes nutrients more available to plants, resulting in healthier gardens and greener lawns.
An Easy-to-Use Boost
When planting in the garden or pots, biochar should make up approximately 10% of the soil mix. If you’re setting up a garden bed, mix it into the soil to a depth of 4-6 inches (1 cubic foot is plenty for a 4-by-8-foot garden bed). For trees and shrubs, adding biochar directly to the roots helps them get off to a strong start and supports healthy growth.
It’s also a natural way to improve a lawn’s look and performance. To add biochar to your lawn to prepare for warm weather, spread it evenly across the grass, either by hand or with a broadcast spreader for larger areas. Aim for a thin, even layer to ensure all parts of your lawn benefit from its properties, improving long-term soil health. For newly planted lawns, mix 1 cubic foot of biochar into every 100 square feet of soil, making sure it penetrates 2-4 inches deep.
No matter where you use biochar, water regularly for the first week to activate its benefits. Watering helps biochar settle into the soil and start working, as its porous structure holds moisture, helping keep gardens and lawns hydrated.
Sustainable from the Ground Up
Not only does biochar deeply nourish your garden or lawn, it also helps create a more sustainable environment for years to come. It’s made by heating natural materials, such as organic wood waste, in a way that stores carbon rather than releasing it into the atmosphere as greenhouse gases.
The process – called pyrolysis – locks carbon into a stable form that doesn’t break down as quickly as mulch or compost and transforms into a light, porous material that stays active, season after season, to ensure nutrient-rich soil for years to come.
Beyond the Lawn
It isn’t just for providing plants with healthier soil. Bring biochar along on camping trips, as it also works wellfor composting toilets and has the added benefit of controlling odors and absorbing waste, making it a sustainable option that can be composted afterward.
It can also be used as livestock bedding as it absorbs liquids, neutralizes odors and can be mixed with manure to create a more nutrient-rich compost for plants and crops.
Learn more about planting healthy gardens and green spaces at WakefieldBiochar.com/grow.
Photo courtesy of Shutterstock (woman gardening)
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HEALTHY LIVING
A parent’s guide to navigating picky eating with confidence
(Feature Impact)For families with young children, mealtimes can often feel like negotiations or even battles. If that sounds familiar, you’re not alone. Picky eating is one of the most universal challenges families face.
With the right strategies, parents can reduce stress, build healthier habits and help children become more confident, curious eaters. Dr. Lauren Loquasto, senior vice president and chief academic officer at The Goddard School, and registered dietitian Ali Bandier, founder of Senta Health and member of the Expert Council at Little Spoon, share these insights and guidance to help parents navigate picky eating.
Why Young Children are Picky Eaters
Picky eating isn’t just common; it’s an expected part of early childhood development. In fact, it would be more surprising if children didn’t experience a picky eating phase.
Picky eating is a natural expression of independence. As children enter toddlerhood, they discover they can assert control, and food becomes a typical place to do it. They can’t decide whether to go to school or take a bath, but they can decide whether to take a bite of broccoli.
Avoid the Power Struggle
The key for parents: stay calm, consistent and neutral. Pressuring children only makes picky eating worse.
Telling your child they must try one bite, celebrating excessively when they do eat a vegetable or resorting to negotiation (“three more bites then dessert”) can actually reduce their desire to eat. It also creates a dynamic that only reinforces the power struggle.
Instead, recognize the division of responsibility when it comes to eating. Parents decide what food is served, when it’s served and where meals happen. Children decide whether to eat and how much to eat. As a parent, you can’t force your child to eat; recognizing this is critical to reducing the mealtime tug‑of‑war and creating a calmer, more predictable environment for the entire family.
Exposure, Not Pressure

Young children often need repeated, low‑pressure exposure to a new food before trying it. Offering broccoli once likely isn’t enough. It’s important to offer it repeatedly, without commentary, bribing or coaxing.
Trying new foods is more than just ingesting them. Touching and smelling are steps toward tasting and acceptance. Involving children in food preparation – washing vegetables, stirring batter, mixing ingredients – lets them gain familiarity without the pressure of having to eat. Inclusion in this process increases curiosity and that curiosity is often followed by a willingness, or even desire, to try the food.
It’s also important for parents to model desired eating habits. If you want your child to try salmon but you’re eating pizza, they’re unlikely to want to eat the salmon. Daily family mealtimes – often dinner in busy households – where you’re modeling manners and eating the food you want your child to eat is key.
The Importance of Routines
For young children, routines provide structure, predictability and comfort. A consistent meal and snack schedule helps children learn what to expect and can reduce not only their anxiety around mealtimes, but parental anxiety, too.
Notably, there is no right or wrong schedule; every family needs to figure out what works best for their circumstances. What matters is setting a schedule and maintaining consistency. For example, if you provide a snack between breakfast and lunch, do it every day, not just a few days a week. This helps children know what to expect and feel comfortable.
Schedules also help parents resist “secondhand cooking.” When a child refuses the meal offered, parents often scramble to make alternatives, but this teaches the child if they hold out long enough, a preferred food will arrive. Instead, calmly remind your child when the next snack or meal will be: “OK, you don’t want to have the yogurt and fruit. That’s fine, but I’m not going to make something else. Snack time is in two hours.” This builds trust and reduces anxiety for everyone.
With patience, low-pressure exposure and consistent routines, most picky eaters gradually broaden their palates and mealtimes become more enjoyable for the whole family. For more parenting guidance, including the Parenting with Goddard blog and webinar series, visit the Parent Resource Center at GoddardSchool.com.
Photos courtesy of Shutterstock
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HEALTHY LIVING
Prepared and aware: Travel safety tips for 2026
(Feature Impact) From beach escapes to international adventures, travel is still a top priority for millions of Americans, particularly during the warm-weather seasons. However, in light of evolving global events – and the changing travel advisories that often accompany them – preparation and awareness are key.
Travel planning should be exciting, and being a prepared traveler ensures you can focus on making memories rather than managing surprises. That means doing your homework before you go, remaining cautious and aware while you’re there and being ready to respond should the unexpected happen.
As you pack your bags, the experts at ALG Vacations recommend taking proactive steps like these to stay informed, protected and confident no matter where your adventures take you.
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Research Your Destination
Familiarize yourself with local customs, transportation options and any travel advisories tied to your destination, which often vary by region, not country. If you’re heading abroad, consider enrolling in the Smart Traveler Enrollment Program (STEP) offered by the U.S. State Department. The free service provides real-time, destination-specific updates about health, weather, safety and security, and makes it easier to contact you in case of an emergency.
Consult with a Travel Advisor
One of the most effective safety measures is working with a professional travel advisor. Advisors monitor travel advisories in real time, understand geographic nuances and regional differences within destinations and can provide verified information directly from destination partners. If plans need to change, your advisor can recommend alternatives and help manage rebooking options.
Consider Travel Insurance
Preparation also means protecting your investment. Unexpected events – from flight cancellations and changes in advisory level to medical emergencies and weather delays – can happen at any time. Travel insurance adds an extra layer of protection, helping cover eligible expenses and providing peace of mind. If you elect coverage, review policy options carefully to understand what is and isn’t covered by your plan.
Share Your Plans with Someone at Home
Before departing, provide a trusted friend or family member with copies of your itinerary, lodging information and contact details. This ensures someone knows where you are and how to reach you in case of an emergency, flight disruption or unexpected change in plans.
To find more tips, or to connect with a travel advisor and benefit from personalized expert guidance on your spring excursion, visit TravelAdvisorsGetYouThere.com.
Frequently Asked Questions About Safe Travel to Mexico
Many of Mexico’s popular beach destinations – including Cancun, Riviera Maya, Costa Mujeres and Tulum – are operating as normal and welcoming visitors under a Level 2: Exercise Increased Caution advisory, which encourages travelers to remain aware of their surroundings and follow standard safety precautions, but does not discourage travel.
Stay informed of changes to advisory levels through official updates from the U.S. Embassy and the STEP program and consider these questions frequently asked to ALG Vacations travel advisors when planning your trip.
- Is it safe to travel to Mexico right now?
Travelers should follow the U.S. State Department’s official guidance. If visiting a destination in Mexico under the Level 2 advisory, which is a common advisory level globally that also applies to destinations such as France and Italy, exercise standard travel precautions. - Has the Puerto Vallarta shelter-in-place order been lifted?
Yes, the shelter-in-place guidance affecting Puerto Vallarta has been lifted. However, travelers
should regularly monitor official sources for updates or changes. - Are Cancun, Riviera Maya, Costa Mujeres or Tulum experiencing disruptions?
Airports in Cancun, Cozumel and Tulum are operating normally. Hotels, cruise ports and tourism services are also fully operational. - Are Los Cabos operations impacted?
Los Cabos tourism operations remain fully operational, including airport activity, ground transportation and hotel and resort operations. - What are some alternative destinations?
For those who may be exploring alternative plans, consider these popular spring destinations both domestically and abroad:
- Caribbean destinations including Jamaica and the Dominican Republic
- U.S. warm-weather destinations like Hawaii and Florida
- European island destinations such as Mallorca, Spain or Corfu, Greece
Photo courtesy of Shutterstock
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