The Annual Election Period runs from October 15 through December 7. This year's AEP brings some new challenges for enrollees, due to potential restrictions related to the COVID-19 pandemic. Fortunately, there are a variety of resources available to ensure you can safely and securely compare plan options from the comfort of your home, including:

* Online workshops: Many insurance companies are offering online workshops to help educate individuals about 2021 Medicare Advantage plan options. Before you attend a virtual event, find out in advance how to log on to the meeting to avoid technical issues.

* Virtual meetings: Set up one-on-one meetings with licensed sales agents by phone or video chat. Be prepared with your questions to ensure you get the information you need, such as what innovative benefits are available and if vision, hearing and dental coverage are included.

* Trusted websites: Go to the Medicare Plan Finder on Medicare.gov to compare plans, benefits and an estimated cost for each plan based on an average member. If you are interested in Medicare Part D, which helps cover the cost of prescription medications, you can also enter the names of prescription medications you take to ensure those medications are covered by the plan you are considering.

When researching plan information, be sure to provide only your Medicare number and other personal data to trusted sources, such as your doctor, pharmacist, hospital or health insurer, as scammers may try to steal your data. It's also important to not click links in text messages and emails about COVID-19 from unknown sources, and not to answer unsolicited phone calls offering COVID-19 tests or supplies.

Utilizing trusted resources will ensure that you select the plan that will suit your healthcare needs for the coming year. For more information, you can also go to Medicare.gov or call 1-800-MEDICARE (800-633-4227). And, to learn about Humana's Medicare Advantage plans, visit www.Humana.com/Medicare or speak with a licensed sales agent by calling 1-800-213-5286 (TTY: 711) from 8 a.m. to 8 p.m. local time, seven days a week.

However, all fire-suppression devices are not created equal, and portability, safety, and ease of use are key when selecting the right fire protection product for your home, business or wherever.

BlazzOut Inc has developed a lightweight and user-friendly fire-extinguishing device that offers several advantages for home, business, and vehicle use as well as other settings where simple, environmentally-friendly firefighting is needed, such as schools, libraries, and farms.

The signature BlazzOut product is a compact, lightweight, and easy-to-handle grenade-style extinguisher known as BlazzKiller. The device is designed to be thrown into a fire from a safe distance that contains a non-toxic water-based formula, which is economical and effective. The container is made of an easily breakable resin plastic that will release the fire-suppression liquid when thrown into a fire.

The BlazzKiller proprietary formula is engineered to smother flames quickly and also initiates an endothermic process of taking energy from the fire itself to cool the surrounding area. This chemical reaction also releases nitrogen and carbon dioxide into the immediate flame area, which prevents oxygen from reaching and feeding the fire in order to prevent the fire from restarting, thus providing peace of mind.

BlazzOut products were designed by a chemical engineer to provide safe, simple, fire protection that can be used by almost anyone, including older adults and children approximately 7 years of age and older. The BlazzKiller fire-extinguishing grenades can be safely stored anywhere and has no need for maintenance.

BlazzOut also offers the BlazzTrap, an automatic fire-extinguishing device that features the same BlazzKiller technology and is designed to be placed where it will snuff out fires in up to 250 sq ft, such as in the kitchen, garage, attic or basement when the glass ampule reaches a predetermine temperature.

In addition the BlazzTrap device can be placed in a boat, camper, car, truck, or RV as well.

Other benefits of BlazzOut products include easy cleanup and no property damage, compared with the damage often caused by conventional fire extinguishers, as well as a shelf life of approximately five years.

Visit www.tiny.cc/blazzout for more information.

The Association of Equipment Manufacturers (AEM) supports North America's manufacturers of construction and agricultural equipment to promote success and growth in the global marketplace.

The organization has identified five top trends to follow in 2021 that can help businesses succeed and ultimately thrive:

- Safety first. Workplace safety and compliance with the latest guidelines from the Centers for Disease Control and Prevention and the Occupational Safety and Health Administration remain a top priority in all areas of manufacturing in 2021 and beyond.

Although the ongoing distribution of vaccines is encouraging, the impact of vaccination will not be apparent in the short term, and organizations will need to continue with the workplace strategies of practicing social distancing, restricting visitors, encouraging good hygiene, and ensuring employees' health before allowing them on the job.

- Together remotely. Technology has allowed many industries to connect and collaborate from a distance in ways never before available.

"The desire to equip workers with technology to stay connected and collaborate from a distance has been a trend within our industry," says Dennis Slater, President of AEM. "As the rise of big data in manufacturing takes shape, creating and finding technologies to make an increasingly spread-out workforce as productive as possible is a top priority for companies, and especially our equipment manufacturing members."

Manufacturers who continue to provide training and resources to help employees maximize productivity remotely will retain a competitive advantage.

As a recent McKinsey & Company article states, "by digitizing processes to improve equipment management and optimize physical assets, digital collaboration tools give manufacturers ways to boost productivity while enhancing quality," according to AEM.

- Expanded Internet of Things (IoT). The IoT is an ongoing trend to watch in manufacturing, More organizations recognize and incorporate smart devices and embedded intelligence in multiple areas of the production process as a way to maintain efficiency and productivity with greater remote monitoring.

- Shop local. Manufacturers who are willing and able to embrace a localized economy can benefit from smaller, more flexible factories located near current and prospective customers. Not only can certain costs be saved, and potential disruptions to supply chains reduced, but many consumers report that they value authenticity and local sourcing.

- Maintenance made easier. Technology also allows manufacturers to have more detailed information about their equipment, which helps them more accurately predict potential equipment failure and plan accordingly to prevent downtime.

Visit AEM.org for more details about events, resources, and membership.

Resumes should be concise. The first thing you should do is look carefully at the job posting you are applying for. Look for any specifics that they are looking for in an applicant, and use the same wording they do in your resume, if it is applicable. You do not need to have paragraphs explaining every little detail about previous jobs and duties. Stick to the high-level details that seem important and make sure it is readable. Highlight your main job responsibilities, if you received any recognition, and impressive metrics that you may have achieved.

Put the most important information near the top of the resume.

Use a professional, easy-to- read font like Arial or Times New Roman in size 10 - 12. If you are having trouble thinking about what to focus on or how to design your resume, do a search for example resumes relevant to the industry you are applying in. Those may help you think of something in your history that you may not have considered including before.

So you've got your resume primed and ready to go. Now you have an interview, but it's remote. One of the most important things about a remote interview is being able to get to it. Find out which video chat service your potential employer is using and familiarize yourself with it before the interview. Just as with an in-person interview, how you present yourself is of great importance. Make sure you have a clean, orderly, quiet backdrop and that you dress appropriately for the interview.

You want to give the impression that you are ready to work remotely if necessary, or if not necessary, that you are taking the interview just as seriously. Make sure you close everything on your computer except the program you are using for the interview. This will prevent notifications from going off and help you remain focused on the interviewer.

When it comes to resume writing and interviewing, practice makes perfect. Family Credit Management is committed to helping however they can.

For a free, no-obligation, resume review and even a mock remote interview with an HR professional, you can send an email to [email protected].

Type 2 diabetes does not cause an elevated risk of infection per se but a greater risk of complications and mortality that arise from COVID-19 infection. Cardiovascular disease, neuropathy, and organ dysfunction, including kidney and eye, all are common issues associated with Type 2 diabetes, and have been seen to be further exacerbated by COVID-19 infection.

While doctors still do not have enough evidence to explain all of the ways the virus affects the body, reports from all over the world have identified connections between inflammation and blood coagulation abnormalities and dangerous outcomes from the virus.

However, what many have not discussed is the possibility that quarantines, stay-at-home orders and remote working -- necessary to prevent the spreading of the virus -- may also present additional risk for those who already experience a sedentary lifestyle. A study by the National Institutes of Health shows that people who spend significant amounts of time not being active are subject to a 112 percent greater risk of potential complications, including Type 2 diabetes and metabolic syndrome Coronavirus, and therefore, presents not only risks to those with Type 2 diabetes, but to those already at risk for Type 2 diabetes. Obesity is a key cause of Type 2 diabetes and one that the CDC has long been concerned about as a growing problem in the United States -- even before the current pandemic -- and the lifestyle changes which tend toward activities which lean toward weight gain rather than weight loss.

Health experts are therefore emphasizing the importance of maintaining metabolic health by managing potential risk factors associated with the disease, all while maintaining social distancing and engaging in safe behaviors connected to preventing the spread of COVID-19.

A variety of tools have become available in recent years that utilize modern technology, including app-driven diet, exercise and behavior modification plans, but the precision required in order to mitigate diabetes risk has been limited. One recently introduced system, BEATdiabetes, consists of a unique smartphone and/or tablet app comprising a digital version of a successful diabetes weight management program by the Joslin Diabetes Center in Boston, Mass. It provides a suite of life management tools that provide users with personalized coaching driven by a unique, AI-based digital platform that responds to the specific needs of the user.

"Even in the best of times, people at risk for Type 2 diabetes must be extra vigilant in order to manage their weight, their blood pressure and other potential risk factors," says Faz Chowdury, Ph.D., chairman and CEO of Nemaura Medical, Inc., which developed the system. "It can be a daunting task that requires constant maintenance - especially when trying to manage it alone."

In addition, the company has developed the sugarBEAT non-invasive continuous glucose monitor, that adheres to the skin (not pierces it), tracking a user's glycemic levels throughout the day and providing valuable coaching in response. Nemaura Medical believes that regular use of the system can improve the health of people with Type 2 diabetes who need extra help managing it, prevent diabetes to those at very high risk, such as pre-diabetes, and may even reverse diabetes in some patients.

While COVID-19 may pose additional risk for people with Type 2 diabetes, it is especially important to identify solutions to manage Type 2 diabetes while protecting yourself from the virus.

The financial planning profession provides one example. The demographic makeup of the United States is changing, with Hispanic, Black and Asian populations continuing to grow. Despite persisting wealth gaps that affect many minority communities, median earnings and purchasing power among these populations are also growing.

Although these groups are accumulating wealth, they are less likely than white families to work with a financial planner. About 28% of Black households and 17% of Hispanic households use a financial planner to help them reach their financial goals, compared to 31% of white households. According to the RAND Corporation, Hispanics and Blacks are also less confident in their ability to meet unexpected short-term expenses or long-term financial goals.

The RAND research suggests a large population of these individuals could benefit from financial planning advice. One challenge is that the current financial planner demographic makeup of the financial planning profession does not reflect the demographic makeup of the U.S. population: At the end of 2019, only about 4% of more than 87,000 CERTIFIED FINANCIAL PLANNERTM professionals are Black or Hispanic.

Additional studies and interviews with current and aspiring financial advisors indicate that a more diverse workforce could better reach and assist diverse communities. In research conducted by the CFP Board Center for Financial Planning, CFP® professionals cite the opportunity to expand access to financial services in underserved communities and to help improve their understanding of personal finances as key benefits of being a financial planner. Nearly 60% of those surveyed agree that Black financial planners and Hispanic financial planners, respectively, would have an advantage in attracting new clients of similar racial or ethnic backgrounds to their advisory firms.

"Diversifying the talent pipeline is an opportunity and a prudent approach for financial planning businesses," said Center Managing Director D.A. Abrams, CAE. "We are successfully working with many firms who want the industry to reflect our nation's shifting demographics and respond to the increasing purchasing power of people of color."

Abrams sees potential value of like-to-like messages in reaching people in diverse communities. Different groups have different ways of thinking and communicating about money. Some prospective financial planners of color interviewed by the Center explained their families emphasized just getting by versus saving or investing, while in other families, talking about money was taboo. Shared backgrounds and mutual understanding can help financial advisors overcome these cultural challenges and encourage potential clients to shift their thinking.

Diverse financial planners also help raise awareness of financial planning -- both as a service and a career opportunity -- within their own communities. Many play an active role in promoting the financial planning profession by participating in community events, visiting parent meetings at local schools, or leading workshops or other educational programming at community centers. They also serve as mentors and role models to younger students who may wish to study and join the financial planning profession.

Recognizing these challenges and opportunities, the Center hosts an annual Diversity Summit to provide a platform for discussing initiatives that can advance diversity in the financial planning profession. The Center's third Diversity Summit will take place virtually November 18-20, 2020 and will focus on sustainable diversity and inclusion initiatives within the profession. Visit https://2020diversitysummit.cfp.net to learn more and register.

A focus on hiring financial advisors from and working with diverse communities has the potential to positively impact their financial wellness and social mobility.

"Killer Graces"
by Steve Melen

A journey of adoption, cancer, addiction, and breakthrough living. In his late thirties, Steve Melen thought he had it all -- until a diagnosis of Stage IIIB stomach cancer brought it all to a screeching halt. Steve battled his demons and the fact that he only had a 15 percent chance of survival.

Killer Graces is not just another cancer tale. It is a revelation, exposing how cancer can shine a spotlight on things that people prefer not to think or talk about. It is a story of both weakness and strength as Steve navigates a world of pain, drugs, alcohol, marital problems, and anxiety. Join Steve on his journey of self-discovery. Purchase at https://amzn.to/3jlDxKt.

"Up the Creek"
by Alissa Grosso

An unsolved murder. Disturbing dreams. A missing child. Caitlin Walker hasn't had a dream in nine years. But now nightmares torture her son Adam and awaken in Caitlin buried memories and a dark secret. Her husband Lance has a secret of his own, one that his son's nightmares threaten to reveal.

In Culver Creek, newly hired detective Sage Dorian works to unravel the small town's notorious cold case, the grisly murder of a young girl. How are Caitlin and Lance connected to the horrific crime? And how far will they go to make sure their secrets stay hidden? Find out in this riveting thriller. Purchase at https://books2read.com/u/mvZlL6.

"Synchronicities on the Avenue of the Saints"
by Deborah Gaal

Physicist Noah Friedman is bipolar and is racing against time before the experimental drug he takes steals his mind, then his life. His deranged psychiatrist is aiming to clear $10 million on the sales of this drug and has become Noah's enemy.

As Noah starts his quest to free himself from the drug and the doctor, he soon finds himself with a coterie of odd compatriots. Together they work to stop the worldwide launch of the drug. Can Noah right the wrongs of his ancestors in time to heal himself and also prove that love creates a synchronicity with what and who is loved? Purchase at https://amzn.to/35puUtz.

"Her Mother's Grave"
by Lisa Regan

When two young boys discover human bones buried beneath a tree in a trailer park, Detective Josie Quinn races to join her team at the scene. Josie's past crashes into her present when it is confirmed that the bones belong to Belinda Rose -- a teenage foster child who was murdered thirty years ago.

Just as Josie gets closer to uncovering a secret that will shatter her world, another body is uncovered. It's clear someone close to Josie will stop at nothing to keep the truth buried forever. As she battles her past demons, can Josie stop this killer before another life is taken? Purchase at https://amzn.to/35AUFab.

NOTE: BookBites is a continuing series bringing readers information and ideas for their next read. For more reading ideas, visit BookTrib.com and subscribe to our weekly newsletter.

"If you make quick decisions without financial planning, the money could disappear quickly. Planning for sudden wealth includes tax planning, investing and taking a step back to consider how the money can help you reach your financial goals," according to the website of the CFP Board, a nonprofit organization dedicated to supporting professional standards in personal financial planning.

If you inherit money, consider these guidelines from the CFP Board to make sure you take full advantage of your good fortune:

- Keep quiet. Some people may know as soon as you do that you have inherited wealth, but don't be pressured by others offering investment advice or seeking loans or support. Don't broadcast an inheritance until you have a plan for its use.

- Don't rush. Consider enlisting the help of a professional financial planner; at the very least, step back and take some time to consider how you might spend or invest to use your resources wisely. Educate yourself about the options for saving and investing for smart wealth management.

- Make a plan. If you don't have an overall financial plan, unexpected wealth is a reason to make one. If you already have a financial plan in place, you can update your goals and advance on some of them sooner than expected, such as paying off debt, saving for retirement, or establishing an emergency fund. Sharing the wealth can be part of your plan, too. If there is a cause you feel strongly about, plan to allocate some of your resources to that cause, and consider getting involved in the organization to determine how your contribution will be spent.

- Have some fun. It's okay to splurge on a few special items if you are confident in your finances overall. A new car or a special trip can be a worthwhile use of some of your newfound funds; set aside some money for indulgent purchases, but take your time to identify something you will truly enjoy.

Visit letsmakeaplan.org for more financial planning tips and guidance and to locate a certified financial planner in your area.

"People who love their contacts often have the best intentions to follow instructions from eye- care professionals. With so much else happening in their lives, it is possible to forget at times. That's human nature," says Dr. Rick Weisbarth, an optometrist and chairperson of the Washington, D.C.-based Contact Lens Institute. 

These behaviors are consistent with recently-conducted YouGov research among 705 adults in the United States. It reveals that while about three in four people will read a new product's instructions, problems arise if they are too difficult to understand, misplaced or users find themselves in a hurry. In another eye-opening finding, 58 percent of respondents admit to figuring out how to use a new product by trial-and-error. 

Aided by these insights, the Contact Lens Institute has introduced The EASY Way (Eyes, Awareness, Safety and You), designed to streamline and simplify sometimes confusing contact lens wear-and-care guidelines. At the center of the program are three easy to recall steps for healthy, comfortable contact lens wear that everyone should know: 

1. Think Clean. Wash and dry your hands every time before touching your lenses or eyes. If you wear reusable lenses, always clean and disinfect them with each removal, and clean your case as directed. Keep your lenses and case away from any type of water, which can contain harmful microorganisms. 

2. Remember: Fresher is Better. Wear your contacts for as long as your eye-care professional says, replacing them with fresh lenses on schedule. Only wear daily disposable lenses once, and always rely on new solution for reusable lens disinfection and storage. Replace your case at least every three months. 

3. Trust Your Eye Doctor. Listen to your eye care professional, who has specialized training. If you have any questions, contact their office -- they care about your health and great vision. 

More information for contact lens wearers is available at EASYwayprogram.org/MyEyes/ 

"Taking care of your contacts doesn't have to be hard; it can be easy. That's why thousands of optometrists and ophthalmologists across the U.S. and Canada will be sharing The EASY Way with patients in the coming months," says Dr. Weisbarth. 

The Contact Lens Institute's members include Alcon, Bausch + Lomb, CooperVision, and Johnson & Johnson Vision. 

See full-sized image here.

The goal of the Diversity Summit is to explore "actionable solutions to advance diversity in financial planning," according to the website. This year's theme of Sustainability reflects the importance of long-term diversity and inclusion programs in financial planning education and in the workplace.

"The Diversity Summit and Career Fair comes at a critical time in our history as we drive change, awareness, access and results in our profession," said CFP Board CEO Kevin R. Keller, CAE. "CFP Board is strongly committed to expanding and sustaining diversity in the financial planning profession and those it serves to better align with the U.S. population."

The Summit agenda includes the release of a new report on case studies of successful diversity and inclusion initiatives in the financial planning profession. Attendees will have the opportunity to discuss these studies and explore the successes and challenges, as well as examine how lessons learned can be applied to future strategies.

Other key events include "CFP® Pro Talks," with personal reflections from CFP® professionals of color, executive roundtable of leaders in financial planning firms who are committed to improving diversity and inclusion, and discussions of specific recommendations that firms can apply immediately to improve their diversity and inclusion initiatives.

A highlight of the summit is the Virtual Career Fair. Although not the same as in-person networking, the Summit organizers have adapted to the Covid-19 pandemic situation and designed a forum in which certified financial planner candidates who are women and people of color have opportunities to connect with employers, experienced CFP® professionals, fellow students, and potential mentors. The Career Fair occurs on November 20 and requires a separate online registration from the Diversity Summit, but with no charge to attend.

The target audience for the CFP Board Diversity Summit is financial planning professionals and students who are working to become certified financial planners, as well as individuals who are considering careers in financial planning. The audience also includes executives, diversity and inclusion professionals, and recruiters from financial services firms. Program directors from colleges and universities with financial planning programs can benefit from the summit topics to help support their goals for greater diversity and inclusion in academic programs

For more information, visit cfp.net/events/2020/11/2020-virtual-diversity-summit-and-career-fair.