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It’s 2023 and our vision going forward for our blog!

“Sqribble Review — The good, bad and ugly.”

Let’s face it, we all want more traffic, more subscribers, and more daily sales. And there’s one simple solution that still works like gangbusters for this — eBooks.

Whether it’s a powerful lead magnet such as a free report or whitepaper, or a Kindle book that you sell daily… digital books are still an awesome way to attract traffic and sales for almost any type of business.

But there’s just one problem — creating them can cause all kinds of headaches. Writing, formatting, designing… it can take days or even weeks to create an eBook, plus a steep learning curve and a handful of expensive tools you’ll need to master… before you’ve even hit publish!

But there’s a brand-new tool on the market that promises to change all that.

It’s called Sqribble.

What is Sqribble?

Sqribble is a cloud-based tool that allows you to create eBooks (reports, whitepapers, etc.) in seconds. It uses ready—made templates and drag n’ drop design features that make self-publishing your eBooks a breeze.

How does it work?

When you log into Sqribble, you’ll see a bunch of eBook templates to choose from. These are all based on different categories, so you’ll need to find one that matches your market/topic/niche.

Once you’ve selected the template you want to use, you simply click “view” to see how your eBook will look (don’t worry, we’ll add your content next.)

In this view screen, you can see how the book will be laid out and get a feel for the style. If you don’t like it, you can always go back and choose another template (there’s 50 templates to choose from, and you can also edit the templates too, in all kinds of ways.)

You’ll notice that the layouts and designs are very slick. They look like professional publications!

Next, you’ll be asked where you want to source your content for the book. You can choose:

— Grab from a URL

— Start from scratch

— Copy and paste manually

— Upload Word File

— Start from Article Collection

Let’s take a closer look at these options.

— Grab from a URL

Now that you can see what SQRIBBLE can do you must CLICK HERE

This allows you to insert any URL you want, and Sqribble will automatically pull the content from that page and insert into your book. It strips the html code and only inserts the text from the page. This is my fave method because it saves a ton of time, and allows you to use expert content (with credits) so you can target topics and niches you’re not an expert in!

— Start from scratch

As it sounds, this option allows you to enter your content like you’d enter it into a Word document. You just type straight into the page.

— Copy and paste manually

This allows you to copy content from anywhere you want, and paste into the book, where the book will format and lay it out for you professionally.

— Upload Word File

You can get Sqribble to pull your content straight from a Word document, stripping out any code or weird formatting.

— Start from Article Collection

Here you can extract content from Sqribble’s huge library of private-label articles which you can use for free, without crediting authors or linking to the source. It’s another great way to quickly fill your book with content, for free!

Finally, you’ll move to an editing screen, where you can resize text, move content around, edit text directly, add media, links, lists, call-to-action areas, new pages, and a whole bunch of other options for customizing the look and feel of individual pages or the entire book.

You can even add new pages that use a totally different layout to the rest of your book, giving you a huge amount of flexibility and endless options for your book.

While editing, another thing I really liked was the Themes option. With a single click, you can instantly change the color theme and font style of your entire book. It’s like giving your book a new “skin” and it’s just one more feature that sets Sqribble apart from the other tools out there.

Finally, when you’re ready to publish, you hit the little “Generate eBook” button in the top right corner of the screen and voila, your book is now ready!

You can either open the book in a browser to preview it quickly or save as PDF.

Is Sqribble right for you?

If you’re already creating lead magnets or eBooks for sale, then I have no doubt that Sqribble is going to save you hours of work and tons of money on freelancers (if you outsource the design or writing side of it.)

For that reason, I truly believe that Sqribble is well worth the investment and perfectly suited for most small to medium size businesses, especially self-publishers and info-marketers.

It’s also a great tool to use if you’re a freelancer or agency, working with clients to create professional eBooks (includes commercial rights, plus a done-for-you agency website, which is a big bonus!). You could easily charge $100’s for this service, and with Sqribble, you could get the work done in way less time than it wouldn’t normally take you.

The bad

— Some of my favorite features are locked behind upsells (3D covers and Flipbook feature)

— When inserting content from a URL, you need to cite the URL source and/or credit the original author of the content, if it’s not your own (this isn’t really Sqribble’s fault — it’s just the law!)

The good

— Easy to use

— Glitch free

— Unlimited use (one-time payment)

The awesome

— Tons of excellent eBook templates

— Professional page layouts

— Automatic content

— 3D cover creator (available through upsells)

— Flipbook creator (available through upsells)

— Free commercial agency + website included!

Price

A one-time $47 (later will be increased to $197).

About the creator

Sqribble has been developed by Adeel Chowdhry, who is a well-known internet entrepreneur and best seller, with over ten years of experience and has previously created worldwide hits such as Pixel Studio FX which sold tens of thousands of units all around the world. He’s known for creating high-quality professional solutions and I expect no less from Sqribble.

Overall verdict

There’s no doubt, Sqribble is a powerful eBook creation tool. Unlike other tools, it’s packed with everything you need to start cranking out professional-looking books, reports, whitepapers and more in seconds.

With automatic content, drag n’ drop editing, plus a host of templates and designs ready to customize, you’d struggle to find a more seamless eBook publishing tool than this.

Being cloud-based is a big bonus too. No need to download any software that clogs up your computer.  Whether you’re casually publishing books or you’re constantly creating lead gen reports for yourself or clients, Sqribble can — and WILL — save you hours of hassle and potentially thousands of dollars in freelance fees over the coming months and years. For that reason alone, it gets my full seal of approval.

Click here to download Sqribble

CLICK HERE
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The Plight Of US Banks: A Comprehensive Overview?

almost everyone with memories of the 2008 financial crisis was holding their breath as they watched a major European bank, Credit Suisse, and another regional one, First Republic, teeter near insolvency.

As of 2023, the US banking industry continues to face numerous challenges. Despite the fact that the US has one of the strongest and most stable banking systems in the world, it has not been immune to the impact of the global financial crisis of 2008. Since then, the industry has been under constant scrutiny, with regulators and customers alike demanding higher standards of transparency and accountability.

In recent years, the US banking sector has faced a number of challenges that have put many institutions in jeopardy. In this article, we will provide a comprehensive overview of the current state of US banks and the challenges they face.

The State Of US Banks

According to the Federal Deposit Insurance Corporation (FDIC), there were 5,167 FDIC-insured commercial banks in the US as of 2021. This number has been steadily declining in recent years, primarily due to mergers and acquisitions, as well as the failure of smaller banks.

Despite the decline in the number of banks, the overall health of the US banking system remains strong. Less than 1% of FDIC-insured banks have failed annually over the past decade, according to an analysis of FDIC data [[1]]. However, the number of bank failures has increased significantly in recent years, with 563 banks failing since 2000 [[1]].

The biggest challenge that US banks face is competition from non-bank financial institutions, such as fintech and payment processors. These institutions have been rapidly growing in popularity and have been increasingly encroaching on the traditional banking sector’s territory.

The Impact of the COVID-19 Pandemic

The COVID-19 pandemic has had a significant impact on the US banking sector. In 2020, the Federal Reserve implemented a number of measures to support the industry, including reducing interest rates to historic lows and providing financial support to banks through the Paycheck Protection Program (PPP).

The pandemic has also accelerated the shift towards digital banking, as more consumers have turned to online and mobile banking to conduct their financial transactions. This has created both opportunities and challenges for US banks, as they have had to adapt their operations to meet the changing needs of their customers.

The Recent Banking Crises

In recent months, the US banking sector has faced a number of crises that have put the stability of the industry in question. In March 2023, four major banks, including JPMorgan Chase, Citigroup, Bank of America, and Wells Fargo, bailed out Credit Suisse with a $54 billion loan [[2]].

In the same month, Wall Street’s giants agreed to prop up troubled First Republic, a mid-sized bank [[3]]. These events have raised concerns about the stability of the US banking system and the potential for future crises.

In addition to these events, US banks had booked $620 billion in unrealized losses on their available-for-sale and held-to-maturity debts at the end of 2022 [[4]]. Moody’s Investors Service has cut its outlook for the entire US banking sector and placed six US banks on review for potential credit rating downgrades, in the wake of the collapse of Silicon [[5]].

Conclusion

The US banking sector faces numerous challenges, including increasing competition from non-bank financial institutions, the impact of the COVID-19 pandemic, and the recent banking crises. While the overall health of the industry remains strong, the events of recent months have raised concerns about its stability.

As the industry continues to evolve and adapt, it is essential that US banks prioritize transparency, accountability, and customer service. By doing so, they can maintain the trust of their customers and regulators, and ensure the long-term viability of the industry.

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ChatGPT…Latest Must Have?

ChatGPT hit the internet approximately 2-3 months ago and Boy Oh Boy has the internet society lost their (cotton picken) minds!!!

BUT... I’m excited to share some BIG BIG news with you! A team of A.I Gurus has been working tirelessly to develop a groundbreaking AI Chatbot; “BrainBox” this unique tool lets you launch your very own ChatGPT-Like Chatbot without facing lawsuits or paying excessively monthly. 

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BrainBox is the first of its kind on the market, No one has ever done this, not even in the industry and we’re confident it’s going to be a game-changer for you and virtually everyone running an online business.

Our app is packed with over 50 advanced AI features(beats ChatGPT 10X) that will make your chatbot not only intelligent and responsive but also engaging and entertaining for users.

From natural language processing to voice and image recognition, BrainBox has everything you need to create a chatbot that can communicate with people in a way that feels natural and intuitive.

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Let me show you how to launch your own “ChatGPT-Like” Ai Chatbot! 

Whether you’re looking to create a chatbot for your customer service, replace DOZENS of other third-party expensive apps you use for your digital marketing business, sales to generate side income or entertainment purposes,

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Here’s a bit of what this Ai Chatbot can do for you;

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  • Turn plain text into engaging, professional videos that attract thousands of free hits of traffic
  • Generate the best AI designs that put 99% of graphic designers to shame, in just seconds
  • Design traffic-pulling sales pages, sales funnels, and fully functional blogs
  • Proofread your writing without paying a dime 
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With your AI Chatbot, you can effortlessly reach even your runaway customers and prospects, as well as drive in thousands of traffic daily on complete AUTOMATION!

And the sweetest part is, you can conveniently generate more revenue by selling top-notch content for blogs, ebooks, etc, AI graphics, themes and so much more to your clients…

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Amazing right?

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Mind you, this opportunity closes a few moments from now, Take note!  Looking forward to helping you build your own successful AI chatbot!

It’s ok to not follow the crowd, writing, and researching hour after hour, day after day. proofread and use correct grammar, and sentence structure, you know where I’m going with this and I know sincerely you have all the reasons in the world to keep at this pace and stick to your guns(old ways). This might be an Ah Haa moment and maybe just maybe, might want to kick the tires and go around the block with this new-fangled way of doing the exact same thing but without all the hours and stress, using just a few minutes to get your thoughts together and plug into BrainBox.

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You Have To Check out 60 Minute Reseller

Have you checked out 60 Minute Reseller yet?

If not, you should as in 60 Minute Reseller, you will discover how to take a great reseller product, edit the content, change the graphics, structure your entire site including all the pages you need to use and create a sales funnel. And it’s all done in front of your very eyes in UNDER 60 MINUTES!

Time is running out on this one as the MASSIVE DISCOUNT ends soon so check this out before the price shoots up.

With our step-by-step ‘60 Minute Reseller’ training, you will be able to take ANY reseller or Private Label Rights product and turn a profit in RECORD TIME! 

Plus, once you have the ‘blueprint’ you’ll be able to implement it over and over, giving you the ability to create endless streams of income with your Resale Rights or Private Label Rights material that you probably already have sitting gathering digital dust on your hard drive.https://jvz6.com/c/1779487/390477/

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Happy New Year’s 2023 is here.

Just released a free e-book that will reveal how anyone can tap into the soon-to-be $1 TRILLION dollar eLearning industry to launch a 6 figure information business.

Readers (you) will discover how to use private label rights (PLR) material to crank out high-quality information products in record time, even if they have no technical skills or previous experience.

The book comes with a special 7-part video training series, fill-in-the-blank worksheets, my 6-figure launch mind maps, audios, and more. It truly is an irresistible offer

In addition, Mr. John Thornhill is offering the book as a lead generation tool for my Partnership To Success coaching program, where readers can partner directly with me to launch their first (or next) successful digital product.

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Something BIG has just arrived… for January 2023!

My good friend John Thornhill has just finished writing the first book he has written in over 10 years and you can be one of the first to get your hands on a copy.

If you don’t know, John he created his first ‘digital asset‘ in 2004 and since then has generated millions of dollars online selling information, and he shares all of his experience in his book.

In his book, he also reveals how you are just one digital product away from generating at least 6 figures per year online.

Among many other things, you will also discover… 

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John is also throwing in a ton of bonuses to complement his book and you will literally have everything you need to start generating 6 figures per year from your own digital products.

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Just Released! Free Report…

7 WAYS TO GROW YOUR TIKTOK PRESENCE

Just released. Download this report now. It’s finally here. Ready for you to download.

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4 signs that an aging loved one needs support

(BPT) – The holidays are a time of coming together. While it might look different in 2020, it is even more critical this year to check on aging loved ones who may have been negatively affected by the isolation and loneliness during the ongoing pandemic.

But it can be difficult for us to recognize when our loved ones do need extra support. Whether we get busy or wish to show respect for our loved one’s wishes and independence, we don’t always recognize the signs when they need our help. Because the signs often go unnoticed, only 10% of adults aging in place are receiving the care they needed. That’s why it’s important to maintain connections and be honest about the changes you’re seeing.

“We must check in on our aging loved ones to make sure they’re doing well,” says Home Helpers CEO and president Emma Dickison. “Changes to appearance, mood, physical mobility or memory can be concerning and might indicate they need a little help with their everyday life.”

Here are four aspects of aging that can help adult children notice a change in their loved ones, to know when it’s time to seek additional support.

Big changes in physical appearance: Pay attention to any changes you see in their bodies and living spaces. Bruises and cuts can be signs of a recent fall. Note changes in their routine and hygiene. Perhaps their clothes and hair appear uncharacteristically dirty and unkempt. These could be signs of depression, or they need a hand because these tasks have become difficult or painful. Other cues include not preparing their usual meals, a messier than usual living space — anything that shows departures from their usual routines.

Signs of memory struggles: We can all have a memory lapse in daily life. Repeating a story, or going through the roster of grandchildren before hitting on the right name can happen to anyone. Instead, be watchful of memory lapses that can create a dangerous situation for your loved one. These may include things like forgetting a meal in a hot oven or repeated incidents of locking themselves out of their home. When these start happening, it’s time to seek additional support, such as a visit to the doctor.

Motor skills and the risk of falling: As people increase in age, so does the risk of falling. Older adults lose muscle mass every year (especially if they don’t exercise), and balance can be affected by aging as well as certain medications. According to the Centers for Disease Control and Prevention, 3 million older adults a year need emergency room care to treat a fall injury. Visible signs of falling include cuts and bruises on the head, arms and hands.

Shifts in mood and optimism: Family and social connections are critical for one’s health and well-being. But as the need to maintain social distance gets in the way of the things your loved one enjoys, it can take a toll on their mood and outlook. Pay attention to your loved one’s demeanor when you call or visit. If they seem down, they may be missing their usual lunch dates and games with friends. To fill the gap, look into companion care options that are available in your community. These caregivers will go to your loved one’s home so they can safely play their favorite games, work on hobbies or just have a conversation. Caregivers are specially trained to help keep seniors and other high-risk populations safe and cared for in their homes. Regaining these social dates can give your loved one something to look forward to.

As difficult as it is to confront these issues, it’s important to have conversations and come up with a plan to help your loved one stay independent and happy in their home, says Dickison. More than 90% of seniors prefer to age in place and stay in their homes and neighborhoods they’ve enjoyed for years.

“The COVID-19 pandemic has rippled across the country in myriad ways,” she continued. “In dealing with aging seniors who have self-isolated to limit exposure, we want to be sure those living independently at home have the assistance, companionship and care they need.”

Home Helpers offers care and companionship, specialized care, wellness calls, 24-hour monitoring, and meals and nutrition planning. They connect caregivers with clients to provide a custom level of assistance and care. Learn more by visiting HomeHelpersHomeCare.com.

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*so far in 2022 we have heard speculations and opinions about “NFT’S & The Metaverse” some of it might have some truths and has some inspiring points to some extent, but how much are they really sharing? What are they not telling us in 2022?

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in 2022 there have been some speculations and opinions about “The Metaverse” is truly inspiring to some extent, 

but how much are they really sharing? What and why are they not? the questions can go on and on

but today we have answers and would love to share with you and how to profit from the metaverse

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there are a lot of questions about “NFT’S & The Metaverse” why is available to a select number of people?

some of what is written and over the media and social media might shed some light about this topic but what are the truths and facts about NFT’s & The Metaverse? where can you find solid information and more importantly what and how can you benefit from this new virtual reality? we have some of the answers and would love to share them with as many people who will take the time to read and take action. 

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Study finds young people experience pain as frequently as older people

Pain doesn’t discriminate

(BPT) – A sore back. That stiff joint. Another headache. With so much time being spent at home, you’re probably noticing more of your daily aches and pains. Many people tend to envision pain only impacting older people, and while everyone’s pain is unique, you might be surprised to learn that pain impacts younger generations just as much as older people.

Snapshot of pain across America

The vast majority (95%) of U.S. adults ages 25 to 65 report feeling “everyday” aches and pains, according to a survey conducted by Advil Dual Action, in partnership with Wakefield Research. Nearly three-quarters (72%) experience these pains once a week or more.

What’s interesting is that younger people report experiencing just as much pain as older generations. In fact, Advil found that one-third (34%) of young adults report experiencing pain every day, nearly equal to that of Gen Xers (36%) and Boomers (35%).

Acute pain and younger generations

With younger people trying to find new ways to keep active while staying at home more often, awareness of acute pain may be heightened. This unprecedented year has left many exercising in less-than-ideal conditions, and makeshift home gym setups could lead to bothersome aches and pains, leaving many desperate for relief.

What is acute pain exactly? Acute pain can happen anywhere in the body and feel like a number of sensations, including aching, nagging, burning, stabbing, and nausea. The impact of acute pain goes beyond the physical. Advil’s research shows that younger people are giving up the things they love due to pain, such as sports, hobbies, and even work.

If you are experiencing acute pain, consider a proactive approach you can manage at home to help find relief. Here are three simple things to try:

1. Explore new innovations in OTC medicine

When experiencing aches and pains, many Americans turn to two of the most common pain-fighting ingredients: ibuprofen and acetaminophen. Ibuprofen works throughout the body, targeting pain at the source, while acetaminophen blocks pain signals to the brain. While previously, people would have to choose between the two ingredients, Advil now offers a combination that combats pain in a truly unique way. Advil Dual Action is the first and only FDA-approved combination of ibuprofen and acetaminophen and the biggest innovation in the U.S. over-the-counter oral pain relief category in 25 years. It offers the benefits of both ingredients at once to provide up to eight hours of multi-symptom pain relief. Plus, it contains lower total daily doses of medication than ibuprofen or acetaminophen taken individually. Advil Dual Action is available over-the-counter (OTC) nationwide.

2. Try hot and cold therapy

Another method for relieving aches and pains is hot and cold therapy. Applying heat to painful joints or muscles can help soothe aches and soreness by increasing blood flow. For example, for stiffness or tension, use a heating pad for 15 minutes on the affected area. Alternatively, a cold compress can slow blood flow, helping to reduce swelling and pain. This is often used as a temporary treatment for pain associated with an injury, such as an ankle sprain. For example, cold therapy can be used on a sore joint by applying a cool gel pack for 10-minute increments at a time, helping you feel better while the body heals.

3. Prioritize stretching and exercise

Many people who experience pain find that they are less likely to engage in physical exercise, for fear that it will exacerbate their pain. To compound the negative, the global pandemic has made it more difficult to get out and exercise. Routines have changed and reduction in movement can lead to additional acute pain. That’s why it’s important to find ways to incorporate movement into your daily routine. This can be as simple as doing gentle stretches each day for 10 minutes when you wake up or taking a walk around the neighborhood at lunch. Movement can help increase blood flow, reduce stiffness and strengthen the body, which can support short and long-term relief.

While acute pain may be common among younger people, it doesn’t have to be a fact of life. These simple steps can help anyone feel better and live life fully.

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How COVID-19 Will Still impact retirement, and what you can do about it in 2022

(BPT) – 2020-2022 and expect more for future years to come. This year has been a year full of challenges like no other. Things that were routine before, such as chatting with a friend less than six feet away, going to a ballgame, or taking a vacation, have been upended due to the COVID-19 pandemic. Add to that broad uncertainty around jobs, the economy, and the future, and it’s easy to feel unsettled by this turbulence. For those approaching or in retirement, it can feel like the plans you’d anchored in place are suddenly cut loose and you’ve been set adrift. But there are steps you can take to right your strategy and put it back on a steady course, as we all look toward brighter days ahead.

Since the long-term economic effects of the pandemic are still unknown, taking the time to consider your financial strategy and plan for a more secure retirement is prudent. In fact, October is National Retirement Security Month, providing a good excuse to assess and evaluate the challenges and opportunities facing your retirement security, and how to achieve your goals. If you’re uncertain about your retirement future, you are not alone: the Prudential Financial Wellness Census found 78% of respondents surveyed during the pandemic said not having enough savings to last through retirement is a top financial concern, making that the leading financial concern found in the survey.

Whether or not you have lost a job or have taken a salary hit, COVID-19 has probably impacted your retirement plans in other ways. Retirement accounts generally have a mix of the stock market and bond exposure, both of which have been unpredictable since the economy has slowed down in March. According to a survey of individuals aged 45-64 conducted by MoneyRates, 44% reported losses of at least 10% in their 401(k) during the market’s earlier turmoil, while nearly a quarter (22%) said losses were more than 20%. Significant yield is hard to find in fixed-income products as 10-year Treasury bonds are well below 1%, according to the latest rates from the U.S. Treasury. Therefore, it’s important to take a step back and take a hard look at how your retirement portfolio has been affected and ask if it’s time to pivot your allocations, savings, or investment approach.

While this is a complicated task, fortunately, there’s lots of help you can get along the way. Many retirement account platforms offer channels to access financial advice online or over the phone. And even though social distancing requirements and lockdowns have made meeting in person with financial professionals complicated, many financial professionals are utilizing technology to overcome this obstacle. Clients today can easily meet with their financial professionals via video and teleconferencing to get advice when it comes to making complex retirement planning decisions.

Brad Hearn, president of Retail Advice and Solutions at Prudential, notes that financial professionals have found new ways of connecting with their clients.

“As a first step in the journey towards helping you achieve real financial security, there’s no better time to communicate with the right professional who understands your retirement goals. We have seen historically that both financial professionals and clients generally prefer meeting in person, but there are abundant tools available to connect virtually, and financial professionals have wasted no time in adopting them,” said Hearn.

In assessing your retirement security strategy, a financial professional is likely to examine your sources of retirement income to identify risks to future income streams and identify opportunities and solutions that can help fill any gaps. This could start with checking how you are utilizing your employer-sponsored retirement savings plan, such as a 401(k) or 403(b), and maximizing any matching contributions your employer may offer. In addition to offering tax-deferment options in retirement plans, some employers may also offer the option to annuitize a portion of your retirement savings. Thanks to the Setting Every Community Up for Retirement Enhancement (SECURE) Act, which removed one of the barriers that deterred many employers from offering annuities within workplace retirement plans, you may want to consider taking advantage of this option if your employer offers it. In addition to employer-sponsored plans, individual retirement accounts (IRAs) are tax-deferred options that individuals can use to save for retirement in a tax-efficient manner.

Once you have a handle on your sources of retirement income, it’s time to ensure they’re secured for the future. That could start with a simple assessment of your investment balance, looking at stocks or equities, bonds, and any other cash savings accounts. With interest rates near historic lows and bond markets producing little return these days, it may be prudent to adjust your balance in favor of equities, particularly if you have a longer time frame until retirement. Given the uncertainty in today’s economy, protected income streams are looking increasingly attractive for those planning for retirement. In the past, most Americans would rely on a mix of Social Security and pension payments for income deep into retirement. The retirement picture now is much different. With corporate pensions all but nonexistent today and Social Security at risk of insolvency by 2034 according to the program’s trustees, when the oldest millennial will only be 54, solutions such as annuities can help create a guaranteed stream of income to help shore up other sources of income in retirement.

As the month of October and National Retirement Security Month come to a close, it’s still never too late to go back and review retirement portfolios and confirm the current strategies in place are driving toward the outcomes you want and need. Given the uncertainty of today, there is no better time to consider your plans for tomorrow.

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How to put a new spin on holiday celebrations this year

COVID-19 still in place, and some restrictions may mean the holiday season will be different this year, but that doesn’t mean you have to become a Grinch. Although extensive travel, large group gatherings and many traditional activities can’t happen, you can find imaginative ways to be just as joyful with a dash of creativity. In fact, many people are embracing this as an opportunity to discover new ways to make one-of-a-kind memories with family, friends and coworkers.

Alternative approaches to work holiday parties

The culmination of the work year is the annual holiday celebration. This is typically a time to enjoy great food, fun games and cheers to a job well done. However, with the pandemic causing many offices to go remote as well as restrictions for restaurants and group gatherings, this year will have celebrations of a different kind. Fortunately, technology is making many things possible.

Employers want to show employees they care and are expected to shake things up in creative ways. This could include sending meals to everyone through home delivery and then meeting online to enjoy them together. This might be a video gathering for an ugly sweater contest paired with fun games that can be played digitally such as bingo and holiday trivia. Maybe it’s hiring a live musician to play and everyone can sign in for a virtual happy hour while enjoying the customized tunes. How about karaoke?

Online shopping expected to soar

Last year, 56% of consumers reported they would make their holiday purchases online vs. at retail stores, according to the National Retail Federation. The experts at Purchasing Power — an employee purchase program — have witnessed this trend growing exponentially since March and expect at-home shopping to soar over the upcoming holidays. With so many people continuing to work or attend school at home, the most popular (and practical) gifts to be purchased and delivered right to people’s doors include new laptops and home electronics, personal health and fitness equipment and ergonomic office furniture. Of course, toys, video games — there are many new products and gaming systems this year for kid and adult gamers — and small luxury items will still bring smiles to those longing for unexpected surprises during the holidays.

With money being tight for many families this year, employers want to help by offering things like year-round financial programs that allow workers to purchase items without the stress or high-interest rates associated with credit cards. Ask your employer about voluntary benefits like Purchasing Power, which enables you to buy name-brand consumer products and services and pay over the course of a year through automated payroll deduction, with no interest, fees or required credit checks. Learn more at www.purchasingpower.com.

Happy Holidays

Travel less, make more memories at home

With airline travel at a minimum and health top of minds, many people won’t be traveling to bake holiday treats and celebrate good tidings in person. Consider alternatives and plan a family video chat time to bake cookies together. Select and share a recipe ahead of time and then sign on to your digital device to talk with each other as you prepare the dough, bake and enjoy treats. This might be the perfect time to tackle that traditional family recipe that’s been handed down for generations and see who proves most successful.

For younger children with shorter attention spans, you may just want to plan a virtual cookie or cupcake decorating party. Or perhaps you get crafty and make some hand-cut snowflakes or colorful paper garlands. As you add the perfect touches to holiday treats, exchange memories of holidays past and even pull out old family photo albums or videos to reminisce, make sure to enjoy a few treats together and take video stills to capture these special moments for future celebrations. Finally, wrap the fun up by reading a traditional holiday book to little ones before bedtime.

The 2020 holiday season is sure to be unique, but “different” can still be good. With an optimistic mindset and clever ideas, you’ll put a new spin on family and workplace traditions and make some lasting memories.

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