I'm your Eyeball Acquisition Specialist! Achieving success in life, no matter the field, hinges on how many people you can connect with and make a positive impression on. Online shopping in the US has surged in popularity recently, with more and more individuals opting to buy products and services online. At Bigdoggpinc, we're dedicated to building trust and earning your confidence, one person at a time if that's what it takes.

Spring into financial security: Refresh your fraud awareness this season presented by Bigdoggpinc Informer's Blog

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(BPT) - As flowers bloom and the days grow longer, it's the perfect time for a little spring cleaning — not just for your home, but for your financial security too! Last year, consumers worldwide lost a staggering $1 trillion to all types of scams. Just as you declutter and refresh your space, take this opportunity during Fraud Prevention Month to dust off your fraud awareness and fortify your financial safeguards with tips from Cecilie Fjellhøy and Mastercard.

"A scam can potentially leave you in a challenging financial position and feeling personally ashamed. As someone who became a victim, I want others to be alert and aware of the tactics fraudsters use to deceive others," said Fjellhøy, advocate and whistleblower in the Netflix documentary 'The Tinder Swindler.' "This Fraud Prevention Month, I am partnering with Mastercard to help empower people with tips to better identify fraud before it happens."

Too good to be true? It probably is! If an offer seems unbelievable or over-the-top, it may be a scam. Fraudsters might dangle promises of guaranteed wealth or pretend to be a friend or loved one in urgent need. Consider whether a message could really be true and verify its legitimacy.

Don't get swept up in pressure tactics: Scammers thrive on panic, pushing fake emergencies or "limited-time" deals to make you act fast. Pause, take a breath and consult a trusted source before making any decisions. Be wary of urgent requests for money — especially if they involve gift cards, wire transfers or cryptocurrency. If you haven't met in person, or if you are not sure, don't send funds!

Turn on transaction alerts to get notified of unusual activity. Regularly review financial statements and report anything unfamiliar. Identity thieves may open fraudulent accounts in your name. Credit monitoring services help flag suspicious activity early so you can take action before damage spreads.

Report it, don't ignore it: If you spot a scam, act quickly. Contact your bank to lock down your accounts, file a police report, and report fraud to agencies like the FTC or your local authorities. If unauthorized payments pop up, request a freeze or reversal ASAP. Many banks can stop fraudulent transfers if caught in time.

Zero Liability has your back: Financial institutions that issue Mastercard cards won't hold consumers responsible for "unauthorized transactions," provided they are promptly reported, and the cardholder used reasonable care in protecting the card from loss or theft. As a Mastercard cardholder, Zero Liability applies to your purchases made in the store, over the telephone, online or via a mobile device, and ATM transactions. With protections like that, paying with your card brings more peace of mind than paying with cash or check.

"Fraud prevention has come a long way since I met my scammer, but it is still important to learn the red flags, trust your gut and stay vigilant," said Fjellhøy. "Whether paying online, in stores, in apps or using a device, Mastercard provides valuable security benefits to help keep cardholders protected. That peace of mind is invaluable."

Whether you're sipping iced tea in the sun while hunting for deals online or exploring local markets in a new city, these tips will help keep you safe. So, embrace the season, stay scam smart, and with cyber smarts, enjoy your spring shopping!

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I'm your Eyeball Acquisition Specialist! Achieving success in life, no matter the field, hinges on how many people you can connect with and make a positive impression on. Online shopping in the US has surged in popularity recently, with more and more individuals opting to buy products and services online. At Bigdoggpinc, we're dedicated to building trust and earning your confidence, one person at a time if that's what it takes.

4 ways seniors can find connection this holiday season presented by Bigdoggpinc Informer's Blog

(BPT) - As you get older, we may sometimes feel less of a sense of community and connection. If you've experienced loss, are living apart from family or have challenges due to chronic medical conditions, the holiday season can be even more challenging.

There are simple, positive actions you can take — and resources available — to help you feel more connected with others, which will improve your mood and your health during this season of celebration.

SilverSneakers^®1, a fitness program specifically designed for older adults of all fitness levels, provides all kinds of opportunities for socializing through group fitness classes² and more, creating a sense of community for its members. Their trained instructors share tips to help you reconnect with others and improve your well-being and help you enjoy everything the holidays have to offer.

"Physical movement can improve your mood (and your health) and SilverSneakers is a terrific place to start," explains Dina Sexton, SilverSneakers National Fitness Trainer. "Our program offers fitness classes to help our members experience the benefits of activity specifically for older adults with the added benefit of being in the company of other people!"

Plan your holiday activities

To prevent the holidays from sneaking up on you, decide how you'd like to spend your time. Get out your calendar and highlight days you'd prefer being alone, and which days you'd feel better spending with others. Plan to invite someone over, connect with friends and family or volunteer with organizations and/or community groups to help make those days special.

By taking the reins and planning, you'll know what to expect and look forward to. You could also try a personal wellness challenge to jumpstart your activities and provide the motivation to stick with it! The SilverSneakers Healthy Holidays Challenge is designed for seniors, and includes new workouts, simple mindfulness strategies, and ideas to keep gym sessions exciting.

Find real-life connections

While social media and online groups sometimes provide connection with friends and loved ones living far away, face-to-face interaction can be uplifting too. Look for listings of meet-up groups, senior centers, community groups and organizations with causes or hobbies that interest you and then take the next step by putting a couple of their upcoming gatherings and events on your calendar.

It can be difficult to join a social event or activity where you don't know anyone (yet), but remember that others may be new, too — and most groups love welcoming newcomers. Need support? Enlist a friend or neighbor to go with you.

As the holidays approach, joining a nearby community center, house of worship or volunteer organization may also help you feel less isolated. Reach out to a neighbor to meet up for coffee or reconnect with old friends who may be delighted to hear from you.

And if invited for a potluck, here are some articles offering helpful tips such as quick and easy appetizers perfect for any gathering.

Bolster that mind-body connection

Look for ways to increase your activity level that aligns with your current fitness level. Simply walk around the block or try strengthening and stretching exercises right in your chair. Research shows that even small amounts of physical activity can improve your physical health, mental health and mood.

Most importantly, exercise is also a great social activity. Joining a walking club or exercise class means enjoying the company of like-minded people — and you'll exercise more safely, as well.

"The magic of fitness is that you can connect with others while having fun," affirmed Sexton. "SilverSneakers offers fitness activities for every level and connects you with others at the same level too! You can also join live classes online to ensure there's a program for you."

With SilverSneakers, you're welcome to attend dozens of different community classes, visit a participating fitness location³ in your area or join SilverSneakers LIVE online classes. Many health plans may include SilverSneakers in their benefits; check your eligibility. If you are not a SilverSneakers member today, you may still enjoy workout videos, plus health and fitness tips and much more. You can access class videos and articles simply by creating a free online account.

Savor alone time

Lastly, don't forget to schedule quality "me time." Relish days spent exactly the way you want — curling up with cocoa or tea and your favorite book or listening to music you love. Watch a movie that makes you laugh, as research shows laughing is one of the biggest mood boosters there is.

For the holidays, make the most of available resources that offer plenty to look forward to — including new ways to move, get out there and socialize. Starting with SilverSneakers, you'll find plenty of opportunities to enjoy the season. Visit Tools.SilverSneakers.com to get started.

Always talk with your doctor before starting an exercise program.

¹ SilverSneakers is a registered trademark of Tivity Health, Inc.

² Membership includes SilverSneakers instructor-led group fitness classes. Some locations offer members additional classes. Classes vary by location.

³ Participating locations ("PL") are not owned or operated by Tivity Health, Inc. or its affiliates. Use of PL facilities and amenities are limited to terms and conditions of PL basic membership. Facilities and amenities vary by PL.

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Find Your Holiday Match on Prime Video presented by Bigdoggpinc Prices Blog

(BPT) - The holidays are in full swing, and with that comes a range of emotions—you may be cramming in last-minute shopping or you might already be laying back and sipping hot cocoa.

We know that choosing what to watch is hard when everyone's holiday moods differ. That's why Prime Video is the first-stop destination for every mood, offering a diverse collection of movies and shows to bring some holiday harmony to your home. Whether you're laughing through the stress, cozying up for a romantic evening, or gathering the family for a heartfelt classic, Prime Video has something for everyone, making it easier than ever to connect with loved ones this season.

Not sure how you're feeling about the holidays this year? Not sure what movie or show will really hit the spot? Well, you're in luck because Prime Video created a quick quiz that takes the guesswork out of deciding what to watch. Find out what your holiday mood is below!

What mood did you get? Whatever mood or vibe you're chasing this year, there's something that everyone can agree on for a more harmonious holiday season. Choose from the below titles that best fit your mood, and don't forget to check out the full holiday collection with even more content to enjoy. Fluff those pillows, grab your favorite seasonal snack and find your holiday harmony on Prime Video!

You're feeling the love!

Check out a heartfelt holiday romance for all the heart melting, sappy holiday feels.

• A December Bride (2016) (available with an add-on subscription to Hallmark+)
• Bridget Jones's Diary (2001) (available with an add-on subscription to Max)
• Love Actually (2003) (included with a Prime membership)
• Sister Swap: Christmas in the City (2021) (available with an add-on subscription to Hallmark+)
• The Holiday (2006) (included with a Prime membership)
• Your Christmas or Mine 2 (2022) (Amazon Original)

'Tis the season — and boy are you excited!

No need to reinvent the wheel, lean into the cheer and try a holiday classic. Or, maybe a baking show to lean into the festive feeling and share the love through some baked foods.

• Home Alone (1990) (available to rent or buy)
• A Christmas Story (1983) (available with an add-on subscription to Max)
• Christmas Cookie Challenge (2017) (available with an add-on subscription to Hallmark+)
• Hallmark Drama's Christmas Cookie Matchup (2019) (available with an add-on subscription to Hallmark+)
• Mariah Carey's All I Want For Christmas Is You (2017) (included with a Prime membership)

Having mixed emotions, it seems.

Take a look at Prime Video's "non-traditional holiday movies" or action-packed holiday flicks.

• Christmas Crime Story (2017) (included with a Prime membership)
• Christmas with the Kranks (2004) (free with ads)
• Harry Potter and the Sorcerer's Stone (2001) (available with an add-on subscription to Max)
• Hugo (2011) (available with an add-on subscription to Paramount+)
• Red One (2024) (Amazon Original)
• The Chronicles Of Narnia: The Lion, the Witch & the Wardrobe (2005) (included with a Prime membership)

Looks like you might be a little stressed.

Try laughing through the holidays or holiday family favorites for something light, nostalgic or funny to relieve some of that tension and create harmony.

• A Charlie Brown Christmas (1965) (included with a Prime membership)
• Almost Christmas (2016) (included with a Prime membership)
• Elf Me (2023) (Amazon Original)
• Happy Christmas (2014) (available with an add-on subscription to AMC+)
• Rudolph the Red-Nosed Reindeer (1964) (included with a Prime membership)
• The Family Stone (2005) (included with a Prime membership)

You seem very calm amidst the chaos.

Ride that wave with Christmas classics or holiday family favorites that will be fun and festive, especially with the rest of your life under control.

• Elf (2003) (available with an add-on subscription to Max)
• A Charlie Brown Christmas (1965) (available with an add-on subscription to Apple TV+)
• It's a Very Merry Muppet Christmas Movie (2002) (included with a Prime membership)
• Jingle All the Way (1996) (included with a Prime membership)
• The Polar Express (2004) (available with an add-on subscription to Max)

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I'm your Eyeball Acquisition Specialist! Achieving success in life, no matter the field, hinges on how many people you can connect with and make a positive impression on. Online shopping in the US has surged in popularity recently, with more and more individuals opting to buy products and services online. At Bigdoggpinc, we're dedicated to building trust and earning your confidence, one person at a time if that's what it takes.

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Encontrar fuerza en las palabras: la historia de María y las enfermedades renales raras presentado por Bigdoggpinc Blog de Precios

(BPT) - A María, una comunicadora de profesión, las palabras siempre le han fluido fácilmente. Hasta que le llegaron los diagnósticos de dos enfermedades renales raras y diferentes que la dejaron sin habla.

Si bien muchas personas conocen la enfermedad renal crónica (ERC), pocas han oído hablar de las enfermedades renales raras (ERR). María vive con dos formas diferentes de ERR: nefropatía por IgA (IgAN) y glomeruloesclerosis focal y segmentaria (FSGS). La IgAN, una de las formas más comunes de ERR, causa inflamación en los riñones, dañando su funcionamiento con el paso del tiempo. Por su parte, la FSGS se caracteriza por la aparición de cicatrices en los riñones. Y ambas pueden provocar insuficiencia renal en el momento de mayor plenitud, energía y vitalidad de la vida.

Se estima que en los Estados Unidos, entre 60 y 80 de cada 100.000 personas viven actualmente con ERR. Con frecuencia, las mismas se diagnostican cuando las personas son más jóvenes y pueden progresar más rápido en comparación con otras formas de enfermedad renal. De hecho, mientras que las personas con ERR representan menos del 5-10% de las personas con enfermedad renal, las que viven con ERR representan más del 30% de las que tienen insuficiencia renal. Como resultado, las personas que viven con ERR enfrentan desafíos únicos al transitar por la vida con una enfermedad rara. A menudo, debido a la escasa concienciación pública, las personas que viven con ERR confrontan dificultades para explicar su enfermedad a los demás.

Un cambio en la vida cotidiana

Este fue el caso de María, cuyas ERR causaron muchos cambios en su vida en Mayagüez, Puerto Rico. Antes de su diagnóstico a los 30 años, era bastante activa, equilibraba un trabajo estresante con la crianza de su familia, participaba en actividades sociales y disfrutaba de los viajes. Pero después de sus diagnósticos, no se sentía lo suficientemente bien ni tenía la energía para seguir ese ritmo, lo cual tuvo en ella un gran impacto mental y emocional.

María se sintió sola, incomprendida y preocupada. ¿Sus ERR le provocarían insuficiencia renal? ¿Cómo podría ser capaz de ayudar a sus hijos y su familia? ¿Sería una carga para los demás?

Debido a que su apariencia física de María no cambió, muchos de quienes la rodeaban no entendían el impacto que las ERR tenían en su vida cotidiana. "Lamentablemente, si las personas no notan un cambio físico diferente, no entienden que tienes una afección crónica", explica.

En la actualidad, María cuenta con personas que la están ayudando a disfrutar la vida al máximo, descubriendo que "es importante rodearse de personas positivas" para crear el mejor ambiente en una vida con ERR.

Sólido sistema de apoyo

La familia de María es su mayor y mas importante fuente de fortaleza. Su madre y su esposo son dos de sus principales pilares de apoyo, pero tiene además una red de amigos que la impulsan a cumplir sus metas y cifrar esperanzas en el futuro. El recuerdo de su padre, fallecido hace años, todavía le da fuerzas, pues eligió vivir la vida con intensidad y alegría.

Los hijos de María son su mayor motivación para mantenerse activa y priorizar su salud. "Quiero ser un ejemplo de perseverancia para ellos, de que nunca podemos rendirnos. Tenemos que sacar fuerzas y seguir adelante en la vida", asegura María.

Además, María encuentra camaradería y comunidad en otras personas que viven con ERR. "La conexión con personas que están pasando por lo mismo que yo es importante", asegura. "Aunque somos pocos, saber que no soy la única me da la confianza para desahogarme y hacer preguntas". Y así fue como se sintió más cómoda hablando de sus condiciones raras en los riñones, y se inspiró para compartir su experiencia de vivir con ERR.

Encontrar de nuevo su voz

Cuando María se enteró de que la existencia de una campaña cuyo objetivo es aumentar la conciencia sobre las ERR a través del poder de la narración de historias, sintió que había encontrado la oportunidad perfecta para contar su experiencia de vivir con FSGS y IgAN. A través de RKD & Me, campaña conjunta de Nephropathy Foundation, NephCure y Travere Therapeutics, escribió una potente carta a "su yo más joven", donde narra los obstáculos que enfrentó al vivir con ERR, así como la fuerza que encontró a lo largo de ese camino.

María espera que al compartir el profundo impacto que han tenido las ERR en su vida, ayude a otra persona que vive con ERR. "Poder contar mi historia puede ayudar a alguien que lo necesite o que necesite palabras de aliento", afirma.

Si usted tiene una enfermedad renal rara y quiere compartir su historia, o quiere saber más sobre las experiencias de las personas que viven con ERR, incluida María, visite RKDandMe.com o siga a #RKDandMe en las redes sociales.

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How to boost your savings: Smart strategies to save with intention powered by Bigdoggpinc Informer's Blog

I'm your Eyeball Acquisition Specialist! Achieving success in life, no matter the field, hinges on how many people you can connect with and make a positive impression on. Online shopping in the US has surged in popularity recently, with more and more individuals opting to buy products and services online. At Bigdoggpinc, we're dedicated to building trust and earning your confidence, one person at a time if that's what it takes.

How to boost your savings: Smart strategies to save with intention

(BPT) - Savings can help meet unexpected expenses, fund short-term spending goals and protect against unanticipated life events. At the same time, leaving too much of your money uninvested can jeopardize long-term financial goals like retirement. Set a goal to be more intentional with your savings by getting clear on your savings goals, ensuring your savings earn a competitive return and putting excess cash to work for your long-term financial goals.

Set savings goals

To determine your personal savings goals, consider your ability to withstand savings shocks and potential income loss, as well as any short-term spending goals such as buying a car or taking a vacation.

• Step 1: Start by ensuring you have a buffer for unexpected expenses. Aim to have at least $2,000 or about half a month's household expenses, whichever is greater, set aside in a cash savings account. If you've navigated any changes in the last year that impact your income or spending, it's also worthwhile to revisit that emergency savings goal.
• Step 2: You might also have additional short-term financial goals. Perhaps you're planning a home renovation or saving up for a wedding. Money to fund these goals that are a year or two away probably shouldn't be exposed to much risk of loss and may be best kept in a cash savings account.
• Step 3: Think about building a more substantial financial safety net that can cover three-to-six months of living expenses. This fund will help you manage financial disruptions, such as job loss or other longer-term income interruptions. This fund might also be used to help with longer-term goals like retirement savings, but such money, however it is invested, should be easily accessible if needed to bridge periods of income loss. Certain accounts like a 401(k) or traditional IRA with limited ability for early withdrawals likely won't be the best homes for these funds.

Get specific about why you're saving and create an action plan. Start small and build. Saving something is better than not saving at all, especially when saving in an account with a competitive yield. Yield, or annual competitive yield (APY), indicates how much interest or return you can expect to earn on your savings in a given account over a year. Put simply, the higher the APY, the more your savings can grow.

Earn what you deserve

Many Americans aren't getting the return they deserve on their savings. Whether you're just starting to set aside funds for an emergency or you already have substantial cash saved, make sure you know how much that cash is "earning." Saving with intention means selecting the best savings vehicle for your personal savings goals. Consider whether you value FDIC insurance, ease of money movement or if you're simply looking for the highest return on your savings.

Letting your money sit in an average bank savings account might mean your money doesn't have much chance to grow. The average bank savings account yield as of Dec. 16, 2024, was 0.42% according to the FDIC National Rate and Rate Caps. That means for each $100 you save you'll earn 42 cents annually. Compare this to a higher yielding account like Vanguard's Cash Plus Account, which offers a sweep program currently yielding 3.65% APY effective Jan. 6, 2025.*

The cash you keep easily accessible does not need to sit idly on the sidelines. It can work for you in a high-yielding account. Keeping your hard-earned money in a low-yielding account could mean leaving money for short- and long-term goals on the table.

Build on your savings foundation

A well-funded emergency savings account can prevent you from taking on high-interest debt, tapping into a retirement account or turning to other sources that could slow your long-term financial progress.

While crucial for funding short-term financial goals, an intentional savings plan can also create the foundation for a longer-term financial plan. Once you have a solid savings plan in place, consider whether you can move excess cash — beyond the amount needed to meet your identified savings goals — into higher-earning-potential asset classes like stocks and bonds for long-term goals like retirement.

When you're intentional about your savings goal and seeking out the best home for your savings, even the cash you choose to keep more readily accessible, outside of stock and bond investments, has the opportunity to grow.

Whether your savings goal is to start your first rainy-day fund or shop around for higher returns on your well-funded piggybank, ensure you have clear goals and a plan for reaching them.

All investing is subject to risk, including the possible loss of the money you invest.

Investments in bonds are subject to interest rate, credit, and inflation risk.

*The APY will vary and may change at any time. APY is current as of date of publication. Current APY is available at vanguard.com.

The Vanguard Cash Plus Account is a brokerage account offered by Vanguard Brokerage Services, a division of Vanguard Marketing Corporation, member FINRA and SIPC. Under the Sweep Program, Eligible Balances swept to Program Banks are not securities: They are not covered by SIPC but are eligible for FDIC insurance, subject to applicable limits. Money market funds held in the account are not guaranteed or insured by the FDIC but are securities eligible for SIPC coverage. See the Vanguard Bank Sweep Products Terms of Use and Program Bank list on vanguard.com for more information.

There may be other differences between these products that must be considered prior to investing.

© 2025 The Vanguard Group, Inc. All rights reserved.

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