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The Post-Tax Season Playbook for Spending Smart

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Last Updated on June 14, 2025 by Rod Washington

Tax Season

Turn common small business expenses into rewards

(Family Features) With tax season officially in the rearview mirror, it’s the prime time for small business owners to step back and re-evaluate their expenses. Before tossing those receipts, now is a good opportunity to understand how every dollar you spend can fuel your next adventure. One way to maximize your rewards for business spending is by selecting a credit card that works as hard as you do. Credit cards can help manage cash flow but also provide a way to get rewarded for purchases you’re already making. One credit card to consider is the World of Hyatt Business Credit Card from Chase, which offers opportunities to unlock benefits like free hotel nights, elite status and points on every purchase. Cardmembers can conduct business as usual while unlocking a quicker route to an elite status and earning two World of Hyatt Bonus Points per $1 spent on their top three eligible spending categories each quarter. That means treating clients to a dinner, shipping samples or running a digital campaign to boost your business can transform into more points toward a bucket-list trip, higher tier status and more. Those who apply by June 30, 2025 and are approved can also earn a special offer of 60,000 World of Hyatt Bonus Points and enjoy World of Hyatt Explorist status through February 2026 after spending $7,000 in the first three months of opening the account. That means more rewarding stays with perks like room upgrades, 2 p.m. late checkout, and extra points every time you check in. Learn more at chase.com/hyattbiz. 17449 detail image embed1If you’re looking to get the most out of your business expenses, consider these categories and how they can be maximized for more rewards. Earn While You Wine and Dine Entertaining clients is more than just a meal – it’s an investment in the relationships that can drive your business forward. Whether that’s closing a deal over lunch or hosting a team dinner to celebrate a milestone, dining can reward your business. By using a rewards-driven credit card to pay for these expenses, you can accumulate points and turn them into valuable rewards. The celebratory dinner for your biggest client can earn you points toward your next business trip or vacation to unwind with the family. Supercharge the Online Visibility of Your Business  Marketing and advertising – including social media and search engine advertising – can be crucial for business growth, and a credit card designed for small business owners can help you earn more rewards for the way you do business. Turn Spending into Upgraded Travel Experiences If your business requires frequent travel, you can earn up to nine Bonus Points total per $1 spent on qualifying purchases at more than 1,400 Hyatt hotels and resorts around the world with the World of Hyatt Business Credit Card. Plus, extended benefits like auto rental coverage, extended warranty protection and travel assistance make it so you can focus on what’s important without worrying about unforeseen events. Being a small business owner requires complete dedication, which can lead to long hours, high stress levels and a lack of time for self-care. A strategic credit card can help drive your business forward and allow you to redeem points for experiences that are designed to complement your well-being. From on-property spa treatments to unique experiences that don’t require a hotel stay, you can reward yourself and your employees. As a small business owner, you can flip the script on business expenses and turn spending into epic getaways and well-earned rewards for you and your team. Content courtesy of Chase and Hyatt. Credit Cards are issued by JPMorgan Chase Bank, N.A. Member FDIC.   collect?v=1&tid=UA 482330 7&cid=1955551e 1975 5e52 0cdb 8516071094cd&sc=start&t=pageview&dl=http%3A%2F%2Ftrack.familyfeatures SOURCE: Chase and Hyatt

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PFAS in pregnant women’s drinking water puts their babies at higher risk, study finds

A new study shows pregnant women exposed to PFAS-contaminated drinking water face higher risks of low birth weight, preterm birth, and infant mortality. Learn how PFAS, or “forever chemicals,” impact babies and what you can do to reduce exposure.

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A new study shows pregnant women exposed to PFAS-contaminated drinking water face higher risks of low birth weight, preterm birth, and infant mortality. Learn how PFAS, or "forever chemicals," impact babies and what you can do to reduce exposure.
Studies show PFAS can be harmful to human health, including pregnant women and their fetuses. Olga Rolenko/Moment via Getty Images

PFAS in pregnant women’s drinking water puts their babies at higher risk, study finds

Derek Lemoine, University of Arizona; Ashley Langer, University of Arizona, and Bo Guo, University of Arizona When pregnant women drink water that comes from wells downstream of sites contaminated with PFAS, known as “forever chemicals,” the risks to their babies’ health substantially increase, a new study found. These risks include the chance of low birth weight, preterm birth and infant mortality. Even more troubling, our team of economic researchers and hydrologists found that PFAS exposure increases the likelihood of extremely low-weight and extremely preterm births, which are strongly associated with lifelong health challenges.

What wells showed us about PFAS risks

PFAS, or perfluoroalkyl and polyfluoroalkyl substances, have captured the attention of the public and regulators in recent years for good reason. These man-made compounds persist in the environment, accumulate in human bodies and may cause harm even at extremely low concentrations. Most current knowledge about the reproductive effects of PFAS comes from laboratory studies on animals such as rats, or from correlations between PFAS levels in human blood and health outcomes. Both approaches have important limitations. Rats and humans have different bodies, exposures and living conditions. And independent factors, such as kidney functioning, may in some cases be the true drivers of health problems. We wanted to learn about the effects of PFAS on real-world human lives in a way that comes as close as possible to a randomized experiment. Intentionally exposing people to PFAS would be unethical, but the environment gave us a natural experiment of its own. We looked at the locations of wells that supply New Hampshire residents with drinking water and how those locations related to birth outcomes. We collected data on all births in the state from 2010 to 2019 and zoomed in on the 11,539 births that occurred within 3.1 miles (5 kilometers) of a site known to be contaminated with PFAS and where the mothers were served by public water systems. Some contamination came from industries, other from landfills or firefighting activities.
file 20251128 62 tp1vwu.png?ixlib=rb 4.1
A conceptual illustration shows how PFAS can enter the soil and eventually reach groundwater, which flows downhill. Industries and airports are common sources of PFAS. The homes show upstream (left) and downstream (right) wells. Melina Lew
PFAS from contaminated sites slowly migrate down through soil into groundwater, where they move downstream with the groundwater’s flow. This created a simple but powerful contrast: pregnant women whose homes received water from wells that were downstream, in groundwater terms, from the PFAS source were likely to have been exposed to PFAS from the contaminated site, but those who received water from wells that were upstream of those sites should not have been exposed. Using outside data on PFAS testing, we confirmed that PFAS levels were indeed greater in “downstream” wells than in “upstream” wells. The locations of utilities’ drinking water wells are sensitive data that are not publicly available, so the women likely would not have known whether they were exposed. Prior to the state beginning to test for PFAS in 2016, they may not have even known the nearby site had PFAS.

PFAS connections to the riskiest births

We found what we believe is clear evidence of harm from PFAS exposure. Women who received water from wells downstream of PFAS-contaminated sites had on average a 43% greater chance of having a low-weight baby, defined as under 5.5 pounds (2,500 grams) at birth, than those receiving water from upstream wells with no other PFAS sources nearby. Those downstream had a 20% greater chance of a preterm birth, defined as before 37 weeks, and a 191% greater chance of the infant not surviving its first year. Per 100,000 births, this works out to 2,639 additional low-weight births, 1,475 additional preterm births and 611 additional deaths in the first year of life. Looking at the cases with the lowest birth weights and earliest preterm births, we found that the women receiving water from wells downstream from PFAS sources had a 180% greater chance of a birth under 2.2 pounds (1,000 grams) and a 168% greater chance of a birth before 28 weeks than those with upstream wells. Per 100,000 births, that’s about 607 additional extremely low-weight births and 466 additional extremely preterm births.

PFAS contamination is costly

When considering regulations to control PFAS, it helps to express the benefits of PFAS cleanup in monetary terms to compare them to the costs of cleanup. Researchers use various methods to put a dollar value on the cost of low-weight and preterm births based on their higher medical bills, lower subsequent health and decreased lifetime earnings. We used the New Hampshire data and locations of PFAS-contaminated sites in 11 other states with detailed PFAS testing to estimate costs from PFAS exposure nationwide related to low birth weight, preterm births and infant mortality. The results are eye-opening. We estimate that the effects of PFAS on each year’s low-weight births cost society about US$7.8 billion over the lifetimes of those babies, with more babies born every year. We found the effects of PFAS on preterm births and infant mortality cost the U.S. about $5.6 billion over the lifetimes of those babies born each year, with some of these costs overlapping with the costs associated with low-weight births. An analysis produced for the American Water Works Association estimated that removing PFAS from drinking water to meet the EPA’s PFAS limits would cost utilities alone $3.8 billion on an annual basis. These costs could ultimately fall on water customers, but the broader public also bears much of the cost of harm to fetuses. We believe that just the reproductive health benefits of protecting water systems from PFAS contamination could justify the EPA’s rule.

Treating PFAS

There is still much to learn about the risks from PFAS and how to avoid harm. We studied the health effects of PFOA and PFOS, two “long-chain” species of PFAS that were the most widely used types in the U.S. They are no longer produced in the U.S., but they are still present in soil and groundwater. Future work could focus on newer, “short-chain” PFAS, which may have different health impacts.
A woman holding a small child fills a glass with water.
If the water utility isn’t filtering for PFAS, or if that information isn’t known, people can purchase home water system filters to remove PFAS before it reaches the faucet. Compassionate Eye Foundation/David Oxberry via Getty Images
PFAS are in many types of products, and there are many routes for exposure, including through food. Effective treatment to remove PFAS from water is an area of ongoing research, but the long-chain PFAS we studied can be removed from water with activated carbon filters, either at the utility level or inside one’s home. Our results indicate that pregnant women have special reason to be concerned about exposure to long-chain PFAS through drinking water. If pregnant women suspect their drinking water may contain PFAS, we believe they should strongly consider installing water filters that can remove PFAS and then replacing those filters on a regular schedule. Derek Lemoine, Professor of Economics, University of Arizona; Ashley Langer, Professor of Economics, University of Arizona, and Bo Guo, Associate Professor of Hydrology, University of Arizona This article is republished from The Conversation under a Creative Commons license. Read the original article.

The science section of our news blog STM Daily News provides readers with captivating and up-to-date information on the latest scientific discoveries, breakthroughs, and innovations across various fields. We offer engaging and accessible content, ensuring that readers with different levels of scientific knowledge can stay informed. Whether it’s exploring advancements in medicine, astronomy, technology, or environmental sciences, our science section strives to shed light on the intriguing world of scientific exploration and its profound impact on our daily lives. From thought-provoking articles to informative interviews with experts in the field, STM Daily News Science offers a harmonious blend of factual reporting, analysis, and exploration, making it a go-to source for science enthusiasts and curious minds alike. https://stmdailynews.com/category/science/


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Tips for Parents to Minimize Stress and Maximize Joy During the Holidays

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Last Updated on December 11, 2025 by Daily News Staff

Tips for Parents to Minimize Stress and Maximize Joy

Tips for Parents to Minimize Stress and Maximize Joy During the Holidays

(Family Features) Stress and parenting go hand in hand, but during the holiday season, many parents find their stress levels rising to new heights. Between coordinating schedules, shopping, traveling and managing children’s expectations – plus the disruption to the school routine that everyone had finally settled into – the season can feel more like mayhem than merry. However, by thoughtfully planning and implementing a few practical strategies, parents can protect their well-being and support their families. Early childhood experts from The Goddard School share guidance to help parents stay grounded and make the most of their meaningful family moments this holiday season. Clarify Priorities One of the most empowering steps is to decide in advance what truly matters to your family. Consider:
  • Which traditions or gatherings are nonnegotiable?
  • Are there holiday events you can skip this year without regret?
  • What obligations are you taking on out of habit rather than genuine desire?
By reducing the number of “must-do” activities, you can avoid overextending your family. It’s OK to decline invitations when your calendar is already full. Establish a Budget Holiday spending can weigh heavily on your mind. Create a family holiday budget that includes gifts and activities, then stick to it. Use the opportunity to teach your children about responsible spending and gratitude. Remember, the most meaningful gifts are often those made with time, attention or creativity, not the highest price tag. 17697 detail embed2Set Boundaries Stress often arises when family dynamics, expectations or traditions clash. You can reduce this by setting boundaries and communicating them early. Speak openly with the relatives and friends you’ll see about what’s comfortable for your family and what isn’t (e.g., physical space, travel, topics to avoid). Let your children know what to expect, as the lack of routine during this time can be particularly challenging. Modeling clear boundaries helps your children learn to express their own needs, too. Prioritize Your Physical and Emotional Health Amid the hustle, your own basic care often slips, but your well-being is key to being present for others. Consider establishing routines, such as:
  • Sleep: Aim for 7-8 hours per night whenever possible.
  • Nutrition: Keep healthy staples in the mix, even if treats abound.
  • Movement: A short walk, stretch breaks or gentle exercise may help reset your nervous system. Stepping outside can be especially helpful.
Also, if illness strikes, listen to your body and give yourself permission to pause. Pushing through tends to backfire. Design a Stress Rescue Plan Even the best-laid plans don’t prevent tension or unexpected emotional triggers. Anticipate stress by creating fallback strategies. For example, plan to use a playlist, a quick breathing exercise or a sensory object to help you regroup when your stress escalates. These strategies work for children as well. If you’re worried about unwanted questions – such as a family member asking about politics or your plans to have another child – rehearse your response in advance with a friend. When these stressful moments arise, having a toolkit gives you a sense of control. Unplug and Be Present Screens are omnipresent. While they serve a purpose, they can be an unwelcome distraction, especially when you’re spending time with loved ones you don’t get to see often. Try to designate screen-free times, such as during meals, after dinner or when gifts are being exchanged. Use screens intentionally, such as video calling out-of-town family members, rather than passively scrolling. Focus on in-person connection by playing games, telling stories, making crafts or taking walks. Remember to lead by example, as your children are watching. Being fully present at key moments is the one gift your family will remember above all else. As the holidays approach, the pressure to do it all can loom large. By clarifying priorities, setting boundaries and safeguarding your health, you can minimize stress and maximize joy. That said, even with careful planning, things can go off course, and that’s OK. Practice self-compassion and allow for imperfections. Enjoy every laugh, surprise and even the occasional moment of calm. For more parenting guidance and insights, including a blog and webinar series, visit the Parent Resource Center at GoddardSchool.com.   Photos courtesy of Shutterstock collect?v=1&tid=UA 482330 7&cid=1955551e 1975 5e52 0cdb 8516071094cd&sc=start&t=pageview&dl=http%3A%2F%2Ftrack.familyfeatures SOURCE: The Goddard School

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Empowering Seniors for Safer Online Experiences: 6 Practical Safety Tips for Caregivers and Families

Safety Tips for Caregivers: Empower seniors with essential online safety tips. Learn 6 practical strategies caregivers can use to help older adults navigate digital threats, scams, and security risks confidently.

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Empowering Seniors for Safer Online Experiences: 6 Practical Safety Tips for Caregivers and Families

Empowering Seniors for Safer Online Experiences: 6 Practical Safety Tips for Caregivers and Families

(Family Features) Today’s seniors aren’t shying away from a world that has become increasingly reliant on technology. Quite the opposite, in fact, as recent survey findings suggest adults ages 65 and older are more digitally active and self-assured than ever before. Nearly all seniors surveyed as part of the “Connecting the Digital Dots: Online Habits and Safety Concerns Across Three Generations” survey from Cox Mobile consider themselves digitally literate, using devices for shopping, banking, social media and entertainment. With older adults spending a significant amount of time connected to the digital world – 41% of those surveyed reported spending five or more hours online daily – they’re also more at-risk for scams, viruses like malware and data breaches. Even though 61% of seniors who encountered digital threats were able to mitigate the issues themselves, showing their growing digital capability, increased online engagement brings new challenges and responsibilities for caregivers, who often play a crucial role in supporting seniors’ digital journeys. To help support older loved ones’ safety and confidence as they navigate an evolving digital landscape, Cox Mobile, in partnership with Common Sense Media, offers educational materials on digital safety, smart device use and media literacy for all ages. In addition, these practical safety strategies can help empower seniors to make informed, safe choices online. Encourage Strong Passwords: Simple passwords, like number sequences, keyboard patterns or personal information – such as variations of your name, birthdate, address or names of pets or loved ones – are easily guessable and may lead to issues. While the survey found 70% of seniors already create strong, unique passwords, encourage them to avoid reusing passwords across sites. Recommend a password manager app to safely store passwords and eliminate the need to write them all down, which could lead to a breach if not stored properly. 17746 detail embed2Promote Security Software: If devices aren’t protected, even the most careful users are susceptible to viruses. Though 63% of those surveyed have security software installed, it’s important to regularly make sure it’s up to date (or that automatic updates are enabled) and covers all devices, including laptops, tablets and smartphones. Enable Multi-Factor Authentication: A simple and effective way to stop most attempts at unauthorized account access, 60% of seniors are already using multi-factor authentication as an extra layer of protection. Some seniors, however, may need assistance setting up the safeguard, which typically sends a code to a phone number or email address as part of the login process, for online banking, email or social media accounts. Review Apps and Channels: Over time, it can be easy to accumulate apps on smartphones and tablets. While 51% of surveyed seniors remove unsafe apps, make it a habit to regularly check loved ones’ devices for unfamiliar or suspicious applications and delete them. Also keep an eye out for unauthorized charges, data sharing or browser extensions. Utilize Built-In Safety Features: Explore privacy controls on individual devices (and apps) and check with your loved ones’ internet service provider to ensure security features are being utilized like the 43% of those surveyed who are already taking advantage of their devices’ safety settings. Included privacy protections may include limiting data sharing, disabling location tracking, blocking pop-ups and restricting other unwanted communication. Discuss Online Safety Regularly: Because technology is ever-changing, it’s important for caregivers to talk with senior loved ones about online safety. Open, ongoing conversations, like those one-third of seniors are already having several times a week or even daily, can help build trust and awareness of current scams, suspicious texts or emails, commonly used apps and more. By fostering open dialogue, sharing practical safety strategies and leveraging trusted resources, caregivers can help their loved ones thrive and stay safe. Visit your local Cox Mobile store or go to CoxMobileSafety.com to find more tips, guides and full survey results. collect?v=1&tid=UA 482330 7&cid=1955551e 1975 5e52 0cdb 8516071094cd&sc=start&t=pageview&dl=http%3A%2F%2Ftrack.familyfeatures SOURCE: Cox Communications

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