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MySocialGoodNews is dedicated to sharing news about
social entrepreneurship, impact investing, philanthropy
and corporate social responsibility.

Crowdfunding for Social Good

Devin D. Thorpe

Devin Thorpe


This category includes articles that apply to social good in general and may include policy, practice and other stories relevant to everyone.

All Hands And Hearts – Smart Response Enters Puerto Rico With A Major Commitment From Radcliffe Foundation To Finance Rebuilding After Hurricanes Irma And Maria

Press Release – NEW YORK, NY, JANUARY 11, 2018 – Today, All Hands and Hearts – Smart Response announced they will be entering Puerto Rico to begin rebuild efforts after the devastation caused by Hurricanes Irma and Maria. The international disaster relief organization has initially committed to working in the area through at least 2019.

The commitment to Puerto Rico is made possible by a donation of $400,000 from The Radcliffe Foundation, led by international philanthropist Frank Giustra, who saw the needs first-hand while visiting Puerto Rico this week with All Hands and Hearts Co-Founder and Vice Chair, Petra Nemcova. Giustra said Radcliffe and All Hands and Hearts will assess further humanitarian and financial needs while the first phase of the re-building is underway.

“We are so thankful for Frank Giustra’s caring heart and support from his Radcliffe Foundation. Together we will be able to help the families in Puerto Rico affected by the recent devastating hurricanes,” said Nemcova. “Frank has been a vital partner over the years, supporting projects around the world, and his commitment to help others has uplifted the lives of many families. During our recent visit to Puerto Rico we were touched by the families we met as they are all so strong and resilient despite the deep hardships they are facing.”

The two areas of initial focus will be around the towns of Yabacoa and Barranquitas with roughly 150 -200 volunteers working daily to help complete the work. Early work in these areas will consist of several key rebuild efforts. The number one priority will be roof tarping, as a significant amount of homes are currently exposed and tarping will prevent future damage from occurring and ensure families are in homes that will be protected from the elements.

Additional work includes mucking and gutting, which consists of helping homeowners, schools, and other community facilities with the removal of debris and cleaning out of interior damaged walls, flooring, etc., which have not been cleaned for four plus months. Mold sanitation will also be another critical job as many homes have seen the growth of black mold and as the heat and humidity picks up this will be even more rampant and if left untreated will cause long-term health issues. Tree removal is also going to take place as the high winds caused many trees to come down and chainsaw work will be needed to remove unwanted debris from properties.

“I have no doubt All Hands and Hearts will make a major contribution in helping the families of Puerto Rico rebuild their lives after the devastation of Hurricanes Irma and Maria,” said Frank Giustra, CEO of the Radcliffe Foundation. “I have met many of these volunteers, who come from around the world for weeks, even months, at a time to assist families and children in need. They work six days a week, up to 11 hours a day, in any conditions, to make a difference. At a time when we are bombarded with negative news, their compassion is an inspiration. The Radcliffe Foundation is honored to support their humanitarian work.”

Once the initial disaster response phase is complete All Hands and Hearts will turn its attention to the repair of single-family homes, and other community infrastructure, as there is a critical need as most community members have been waiting for help since September and October when the hurricanes hit.

All Hands and Hearts – Smart Response was formed in 2017 during a merger with All Hands Volunteers (founded by David Campbell, a former tech CEO) and Happy Hearts Fund (founded by Petra Nemcova, supermodel and philanthropist). The two organizations have provided relief to those who have been impacted by natural disasters for more than a decade. As a result of the merger, All Hands and Hearts has rebuilt 201 schools (supporting over 105,400 children) and assisted over one million individuals to date.

All Hands and Hearts currently has active programs in Texas, the U.S. Virgin Islands, British Virgin Islands, Nepal, and Peru. To learn more and to sign up for volunteer opportunities, please visit

About All Hands and Hearts – Smart Response:

All Hands and Hearts – Smart Response effectively and efficiently addresses the immediate and long-term needs of communities impacted by natural disasters. By listening to local people, and deploying our unique model of engaging volunteers to enable direct impact, we rebuild safe, resilient schools, homes, and other community infrastructure.

About The Radcliffe Foundation:

The Radcliffe Foundation was established in 1997 by Canadian financier and philanthropist Frank Giustra and practices direct-impact philanthropy by taking a private-sector approach to aid delivery. They develop partnerships with NGOs, governments and businesses around the world to make a strategic impact in the lives of families and children in need. More information can be found at

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Delphine Remy named HealthCorps Ambassador

Press Release – HOUSTON, Texas (January 09, 2018), a national health and wellness nonprofit founded by Dr. Mehmet Oz and Lisa Oz, is pleased to announce that it has appointed Delphine Remy to the role of HealthCorps Ambassador. Remy is a holistic nutrition and eating psychology coach. She holds Coaching certifications in Holistic Nutrition, Mind Body Nutrition and Eating Psychology. She is also an Eating Disorder Intuitive Therapy (EDIT)™ Certified Practitioner.

“It is an honor for me to join such a prestigious organization as HealthCorps. I am thrilled by the opportunity to contribute to a healthier youth in the United States and I very much look forward to helping our children develop healthy lifestyle habits and a relationship to food that will nourish their minds and bodies. After all, healthier kids are happier kids, this is where it all begins,” said Ms. Remy.

As HealthCorps Ambassador, Ms. Remy will assist HealthCorps with the debut of its first digital cookbook for teens in April 2018. The cookbook will be available digitally to all HealthCorps students and will include 40+ recipes and instructional videos. The recipes featured in the book have been sourced from HealthCorps Cooking Clubs that have occurred in HealthCorps Living Labs schools. Ms. Remy serve as the cookbook’s editor and will also produce instructional videos of each recipe.

“For over a decade, our coordinators have been teaching students in high-needs schools that healthy food, can be both nutritional and delicious. We are so pleased that with the help of Delphine, we will be able to feature our passion for healthy living and good food in this unique cookbook,” said HealthCorps President Michelle Bouchard.

The cookbook will include several chapters including: Quick and Easy Breakfasts, Super Power Smoothies and Healthy Chicken Dinners. A limited print edition will be sold at the 12th Annual HealthCorps “Garden Follies” Gala which will occur on April 23, 2018 at the Ziegfeld Ballroom in New York, New York. The print version of the cookbook will include QR codes which will link readers to recipes and videos online.

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Taft Museum of Art Announces $5 Million Gift from Sallie Robinson Wadsworth to Endow Chief Curator Position

Press Release – CINCINNATI, OH—Deborah Emont Scott, Louise Taft Semple President/CEO of the Taft Museum of Art, today announced the endowment of the museum’s lead curatorial position. It was made possible by a $5 million gift from the late Sallie Robinson Wadsworth.

The position will be held by current Director of Curatorial Affairs and Chief Curator Lynne D. Ambrosini, PhD. Her new title will be Deputy Director and the Sallie Robinson Wadsworth Chief Curator.

“I am deeply grateful to Sallie Robinson Wadsworth for her extremely generous gift to secure the chief curator position at the Taft Museum of Art in perpetuity,” said Taft President/CEO Deborah Emont Scott. “The gift will continue to honor Sallie’s legacy in the Greater Cincinnati community.”

The Wadsworth endowment will ensure that self-organized exhibitions that advance scholarship are a priority for the Taft Museum of Art. It will allow Lynne Ambrosini to dedicate a significant percentage of her time to research and to producing Taft-organized exhibitions and publications. An assistant curator, who will aid in exhibitions and curatorial work, will also be hired, bringing the curatorial department to four people.

According to Taft Museum of Art Board Chair Gerry Greene, “Sallie’s passion, curiosity, and her philanthropic spirit inspired each and every one of us. We are thrilled that this gift will provide a substantial foundation for our continued success.”

“I am deeply honored to carry the new title that bears Sallie Robinson Wadsworth’s name,” said Lynne Ambrosini, “Over the past decades, she came to personify enlightened philanthropy in Cincinnati. Committed to advancing knowledge of the arts, Sallie combined immense generosity with a rare understanding of the role of scholarship in curatorial work; her presence has been inspirational to me and to my predecessors.”

Sallie Robinson Wadsworth grew up in Cincinnati, attended Walnut Hills High School, and earned her degree from Smith College. Sallie was a member of the first docent class of Taft Museum of Art, 1971–1972. She served as a board member of the Museum from 1985 until 2015.

Sallie supported the Taft Museum of Art with meaningful gifts throughout her life with special emphasis on scholarship and exhibitions. In 2013, the Sallie Robinson Wadsworth Endowment for Exhibitions was developed as part of the Taft’s successful $12 million endowment campaign. Most recently, Sallie and her husband, Randolph, supported the Taft’s first self-organized international exhibition, Daubigny, Monet, Van Gogh: Impressions of Landscape, and the research that informed the exhibition, as well as the associated catalogue and symposium. Sallie’s mother, Mrs. Margaret Robinson, was also an avid supporter and patron of the Taft.

Sallie passed away peacefully on November 22, 2017. A celebration of her life was held at the Taft Museum of Art on January 5, 2018.

Sallie Robinson Wadsworth was deeply committed to Greater Cincinnati and left a legacy of philanthropic support in the visual arts, music, and theater communities. She served as national secretary of the Victorian Society in America and served on the boards of Cincinnati Playhouse in the Park, the Oxford Community Arts Center, the Ox-Act Community Theater, and the Jane Austen Society of North America, among other organizations. In addition to her many years with the Special Projects Pool of the Cincinnati Institute of Fine Arts (now ArtsWave), she served as President of the Children’s Theatre of Cincinnati and as the first woman Chairman of the Board of McCullough-Hyde Memorial Hospital, Oxford. Sallie and her husband, Randolph, were jointly major supporters of the Cincinnati Symphony Orchestra and smaller musical groups.

Lynne Ambrosini has been at the Taft Museum of Art since 2004. Her area of scholarly specialization is 19th-century French painting and sculpture. Ambrosini’s publications include articles and books on Jean-François Millet, Edouard Manet, Claude Monet, and Auguste Rodin, among others, and she has been an invited speaker at numerous conferences and symposia on topics in French 19th-century art.

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Nation’s First Mentoring Organization Calls for More Mentors in New York City, Kicks off National Mentoring Month

Big Brothers Big Sisters of NYC launches city-wide mentor recruitment & fundraising campaign for 2018

Press Release – NEW YORK, January 8, 2018Big Brothers Big Sisters of NYC (BBBS of NYC), the nation’s first and New York’s largest youth mentoring organization, today kicked off National Mentoring Month with the launch of its 2018 campaign to recruit volunteer mentors and raise critical funds in order to serve more young people in New York City.

“As our organization commemorates National Mentoring Month, we honor the thousands of men and women across the five boroughs that have devoted themselves to helping youth achieve their full potential. Mentoring is a critical component in a child’s life, and as the nation’s first youth mentoring organization, we witness the impact it makes every single day,”” said Hector Batista, chief executive officer of BBBS of NYC. “Our volunteer mentors and the financial support of our donors drive our mission. And in the spirit of National Mentoring Month, we encourage New Yorkers to become involved and help us ensure brighter and successful futures for youth across our city. As New Yorkers, we have a responsibility to our next generation of leaders.”

Among the various celebratory and recruitment-driven events is the highly anticipated Tournament of Champions Pong on Thursday, January 25th, at Grand Central Terminal’s Vanderbilt Hall. Now in its 10th year, the annual table tennis tournament will help raise critical funds to benefit BBBS of NYC’s youth mentoring programs.

By the end of 2018, BBBS of NYC hopes to raise funds that will strengthen current match relationships and pair hundreds more children that are currently awaiting a match with positive mentors. Approximately $3,500 funds the establishment of a new one-on-one match relationship for one year.

BBBS of NYC currently serves more than 5,500 young people across the five boroughs each year through a variety of specialized mentoring programs. BBBS of NYC’s programs provide young people with the resources they need to excel in their academics and lead successful lives: 99% of the Littles BBBS of NYC serves are promoted to the next grade, 99% of high school seniors graduate from high school, and 93% of Littles who graduate from high school are accepted into college.

Mentoring is open to adults 21 or older who reside in the five boroughs, and it is free to volunteer. To become a volunteer mentor, donate, or learn more about Big Brothers Big Sisters of NYC and National Mentoring Month, please visit:

About Big Brothers Big Sisters of New York City

Big Brothers Big Sisters of NYC (BBBS of NYC), the nation’s first and NYC’s largest youth mentoring organization, has served the changing needs of New York City’s most at-risk youth since 1904. The volunteer- and donor-based organization offers a variety of specialized mentoring programs to help children facing more complex challenges – including immigrant youth, children of incarcerated parents and those in foster care – as well as the Workplace Mentoring Program, which helps businesses throughout New York City positively impact the lives of young people and build a foundation for professional success. Additionally, since 1992 BBBS of NYC has worked through its Center for Training and Professional Development to equip non-profit professionals throughout New York City to develop and enhance their own mentor-based programs and organizations.

Through the support of individuals, foundations and corporations, this not-for-profit agency has been able to change the lives of the city’s most disadvantaged children, matching them with caring adult role models – dependable friends who can help to expand their horizons, realize their potential and enrich their futures. All contributions enable BBBS of NYC to continue to foster current match relationships and also provide more New York City children with life-changing mentors. Approximately $3,500 funds the establishment of a new one-on-one match relationship for one year. To learn more, become a mentor, donate and/or offer support, please visit

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Nu Skin Force for Good Foundation, Zagg, and Dominion Energy among First Corporate Sponsors of Better Days 2020

Press Release – SALT LAKE CITY–(BUSINESS WIRE)-Better Days 2020 today announced corporate sponsorship from Nu Skin Force for Good Foundation, Zagg, and Dominion Energy. Better Days 2020 is a state-wide, multi-channel campaign that will coincide with the 150th anniversary of Utah women being first to vote in the modern nation and the 100th national anniversary of the right of women to vote. In less than six months, Better Days 2020 has achieved significant development, support, and sponsorship from the Utah legislature, Utah women’s and academic organizations, private foundations, and individual philanthropists.

According to Nu Skin SVP of Public Affairs Ruth Todd, “We are extremely honored to partner with the Better Days 2020 campaign, and particularly to sponsor the children’s curriculum development that will be taught in Utah Schools. We hope teaching our boys and girls the history of great women in Utah’s early days of statehood will enlarge their understanding and enrich their own desires to become engaged future citizens of this great state.”

By celebrating the historical events of the Utah women’s advocacy movement in creative and communal ways, the Better Days 2020 team believes Utah can draw attention to its storied past, be a positive catalyst for conversation and remembrance, and give energy to Utah’s women to be more engaged participants in corporate and political communities.

“When we became aware of the work Better Days 2020 was doing, we were excited to learn how we could support it,” said Randy Hales, CEO of Zagg. “As a rapidly growing company that is proud to call Utah home, our ‘Care for People’ value aligns perfectly with the initiatives of the Better Days 2020 campaign. We are honored to have Zagg represented as a founding corporate supporter.”

Also in support of the Better Days 2020 campaign, Debra Hoyt, senior philanthropy coordinator at Dominion Energy said, “Dominion Energy is pleased to support this effort for many reasons, to honor remarkable women in our State’s history while inspiring new generations to greatness. We value the chance to support educational opportunities that will tell significant stories of our past in order to shape the future, providing new energy to Utah’s women, instilling a belief they too can achieve extraordinary things.”

The Better Days 2020 campaign is comprised of strategic educational, legislative and creative initiatives, which include projects such as the development of a Utah women’s history curriculum for 4th, 7th and 11th grades, with a pilot underway in the Jordan School District scheduled for February 2018; a historic walking tour of significant suffragist sites supported by the Salt Lake City Mayor; the commission of a Martha Hughes Cannon statue for the U.S. Capitol; and management efforts with Utah’s federal delegation to pass a bipartisan U.S. Senate resolution giving Salt Lake City, Utah its rightful claim as a major player in the suffrage movement; among other key projects. To learn more about upcoming Better Days 2020 events and news and/or support, visit Better Days 2020 or email


Better Days 2020 is a 501(c)(3) non-profit dedicated to popularizing Utah women’s history. The year 2020 commemorates women’s history in Utah, celebrating the Utah Territory women’s first vote in 1870, as well as the 100th anniversary of the 19th Amendment, which granted all U.S. women the right to vote. To learn more and / or support, visit

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Nonprofit Ethics Clinic Jan. 19 at Santa Clara University’s Markkula Center for Applied Ethics

Press Release – SANTA CLARA, Calif., Jan. 5, 2018 — Many people join nonprofit institutions to do good in the world: to deliver health care to developing countries, to bring clean water to children, or solar power to those struggling because they live off the grid.

But leaders of nonprofits are often surprised to find that there are a large number of ethical dilemmas that must be navigated as the organization seeks to raise money, attract supporters, and identify beneficiaries.

For instance, nonprofit leaders sometimes encounter benefactors who want to dictate how the nonprofit spends the funds — contrary to policy. Or if a nonprofit receives a large donation from a business such as a local printer, there can be considerable pressure to use them as a vendor, even if their prices aren’t competitive.

Now, leaders of nonprofits have a place to go to address such ethical issues in a focused and collegial atmosphere— the Social Sector Ethics Program at the Markkula Center for Applied Ethics.

Building on guidelines established by the Standards for Excellence® Institute, which focuses on nonprofit transparency and accountability, the Ethics Center offers a series of trainings and a two-day workshop to help leaders focus on a unique combination of ethics, legal standards and best practices for various aspects of their nonprofits. Those aspects include:

  • Mission, strategy, and evaluation.
  • Leadership at the board, staff and volunteer levels
  • Finance and operations
  • Resource development
  • Public awareness, engagement, and advocacy.

The Ethics Center is the Institute’s first “replication partner” west of the Mississippi to bring the full complement of Standards for Excellence educational resources, expertise, and training to the region’s nonprofit community and others connected to Santa Clara University.

The program’s pilot, in May of 2017, was introduced in partnership with the Silicon Valley Community Foundation, which identified nonprofit executives, board members and philanthropists to take the pilot training.

The next two-day workshop starts January 19. Although media are not permitted into the sessions, leaders of the forum are available to discuss the myriad issues at stake, and how the five ethical ways of viewing issues — known as the Framework for Ethical Decision Making— can help nonprofit leaders navigate a wide array of potential ethical pitfalls.

Participants in the program have the option of becoming a Partner in Learning Community member, giving them access to an online portal for ongoing resources, training opportunities, and member support.

About Markkula Center for Applied Ethics at Santa Clara University

Founded in 1986 with a seed grant and initial endowment from Linda and A.C. “Mike” Markkula Jr., the Markkula Center for Applied Ethics brings the traditions of ethical thinking to bear on real world problems. Beyond a full range of programs for the Santa Clara University Community, the Center also serves professionals in fields from business to health care, from government to the social sector, providing innovative approaches to problems from fake news to privacy protection. Through its website and international collaborations, the Center brings ethical decision-making resources to the wider world. For more information see

About Santa Clara University

Santa Clara University, a comprehensive Jesuit, Catholic university located 40 miles south of San Francisco in California’s Silicon Valley, offers its more than 9,000 students rigorous undergraduate curricula in arts and sciences, business, and engineering; master’s degrees in business, education, counseling psychology, pastoral ministry, and theology; and law degrees and engineering doctoral degrees. Distinguished nationally by one of the highest graduation rates among all U.S. master’s universities, California’s oldest operating higher-education institution demonstrates faith-inspired values of ethics and social justice. For more information, see

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US SIF Names Kim Coble Chief Operating Officer

Press Release – WASHINGTON, D.C., January 4, 2018 –US SIF: The Forum for Sustainable and Responsible Investment announced today that Kim Coble has joined its staff as Chief Operating Officer.

US SIF is the leading voice advancing sustainable, responsible and impact investing across all asset classes. The Chief Operating Officer is a member of the senior management team and will lead ongoing oversight and reporting against US SIF’s strategic plan as well as play a key role in the day to day management of the organization.

“We’re thrilled to welcome Kim to the US SIF team and to this newly created role,” said Lisa Woll, CEO of US SIF. “She brings a passion for the environment and sustainability and a keen interest in sustainable investment. Her significant management and leadership experience will help us achieve our strategic goals in a time of unprecedented interest in sustainable and impact investing.”

Before joining US SIF, Coble spent 25 years with the Chesapeake Bay Foundation, where she served several roles including most recently as Vice President for Environmental Protection and Restoration, directing all policy, advocacy and restoration efforts. Coble serves on the boards of the Oyster Recovery Partnership and as the Board Chair of Restore America’s Estuaries. She is a graduate of Leadership Maryland and was named one of Maryland’s Top 100 Women. Kim was also appointed by the Senate President to the Maryland State Ethics Commission. Coble earned a Bachelor of Arts degree in Biology from University of Puget Sound and a Master’s of Science in Public Health in Environmental Health and Toxicology from University of Washington.

Coble said, “I am very excited about this opportunity to drive capital to advance critical environmental and social concerns. I am so looking forward to getting to know the more than 300 firms who are part of US SIF and the many other stakeholders with whom US SIF works.“

About US SIF

US SIF: The Forum for Sustainable and Responsible Investment is the leading voice advancing sustainable, responsible and impact investing across all asset classes. Its mission is to rapidly shift investment practices toward sustainability, focusing on long-term investment and the generation of positive social and environmental impacts. US SIF members include investment management and advisory firms, mutual fund companies, pension funds, foundations and other asset owners, research firms, financial planners and advisors, broker-dealers, community investing organizations and nonprofit associations.

The 8th US SIF Annual Conference will take place from May 30 – June 1, 2018 in Washington, DC.

US SIF is supported in its work by the US SIF Foundation, a 501(C)(3) organization that undertakes educational, research and programmatic activities to advance the mission of US SIF, including offering trainings for advisors and other financial professionals on the Fundamentals of Sustainable and Impact Investment. The US SIF Foundation’s Report on US Sustainable, Responsible and Impact Investing Trends is the definitive and most comprehensive report on the sustainable investment industry and the 12th edition will be released in late 2018.

Learn more at

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“HealthTap for Good” Provides Access to Doctor Consultations Free of Charge

Press Release – Palo Alto, Calif. — January 3, 2017 — HealthTap, the world’s first Health Operating System powered by the largest network of interactive doctors and Artificial Intelligence today launched HealthTap for Good, a nonprofit initiative to bring its premium medical services to disadvantaged people and populations around the world–regardless of their ability to pay.

According to the World Health Organization, half of the world’s population lacks full coverage of essential health services. Even for those with access to health services, approximately 100 million of them are driven into extreme poverty by healthcare costs (defined as living on less than $2.00/day).

It doesn’t have to be this way. Starting today, HealthTap for Good will provide free-of-charge access to premium health services for individuals in need, as well as to medical providers and nonprofit organizations who take care of underprivileged populations worldwide.

Individuals in need can receive free virtual consultations with HealthTap Prime physicians via video, voice, or text. In addition, doctors operating in low-income areas can obtain free-of-charge licenses to HealthTap Concierge (Software-as-a Service that establishes a “Virtual Practice” connecting the doctor with patients using video, text, or voice calls.)

Moreover, nonprofit organizations serving underprivileged populations can now obtain through HealthTap for Good, a complimentary license to (HOPESTM) HealthTap’s proprietary Health Operating System. HOPES™ creates a fully personalized healthcare experience and provides users with individualized advice, information, adherence tools, and instant access to doctors and other providers anytime, anywhere. Giving free HOPES™ licenses to these organizations will enable them to provide access to more affordable care to large underserved populations.

“I founded HealthTap because I believe that healthcare is a fundamental human right” says Ron Gutman, HealthTap’s founder and CEO. “Since we launched we have helped hundreds of millions of people worldwide live healthier, happier longer lives by providing them access to the most trusted health information and tools to manage their health at no cost. In the past couple years, we’ve also launched premium paid services for individuals seeking world class concierge medicine, and have grown to provide enterprise software, technology, and tools to physicians, providers and payers worldwide. With this tremendous growth, comes responsibility to give back in any way we can. As we do better, we’re committed to giving more to those in need. That’s why we created HealthTap for Good.”

Individuals, providers, or nonprofit organizations in need of HealthTap for Good, are invited to apply here to receive immediate access to HealthTap’s top doctors and suite of apps and services.

For more information on HealthTap for Good, visit

To learn more about HealthTap, visit

About HealthTap

HealthTap is the world’s first Health Operating System powered by Artificial Intelligence and the largest network of interactive doctors, delivering immediate healthcare, 24/7, from Query-to-Cure. HealthTap connects hundreds of millions of people in 174 countries via video, voice, and text chat on any mobile device or personal computer with health advice from our Medical Expert Network of more than 108,000 doctors across 147 specialties. HealthTap’s proprietary Health Operating System (HOPES™) and proprietary triaging technology (Dr. A.I.™) enable hospital systems, insurance companies, employers and governments to deliver the right care at the right time at the right price. HOPES is now powering the HealthTap Cloud™, a first-of-its-kind virtual cloud dedicated to healthcare and created for interoperability and ease of integration.

Our mission is to help people everyone live healthier, happier, longer lives.

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Saving, What’s That? Proven Tips to Help Cash-Strapped Young People Start the Saving Habit in 2018

Are you tired of being bad with money? Start the new year off on the right financial footing with these cash-saving tips from Eric Tyson, MBA.

Press Release – Hoboken, NJ (December 2017)—As the new year approaches, people are excitedly planning their goals for the future. But cash-strapped young people may not be in the mood for celebrating or making resolutions as many of them face student-loan debt, work in jobs that pay them less than they hoped, and worry about achieving financial stability in a highly competitive global economy. Financial expert and best-selling author Eric Tyson says there are powerful steps younger people can take right now to make the most of their money and save up for a brighter future. In fact, he says adopting a savings mindset could be the most important New Year’s resolution of all!

“Where and how you spend your money is of course a matter of personal choice,” says Tyson, author of Personal Finance in Your 20s & 30s For Dummies® (Wiley, 2017, ISBN: 978-1-119-43141-1, $19.99). “But if you can resolve to make smart choices now, there’s no reason you can’t build better financial security for yourself in both the short and long term. The new year is the perfect time to improve your spending habits and start saving to prepare for the kind of future you want.”

According to Tyson, a savings mindset involves getting the most from your spending while also spending less money in general. It also means living within your means, sticking to a budget, and saving as much as you can.

“You can get into the habit of saving even when your income is low,” adds Tyson. “Even if you can set aside just $10 or $20 every paycheck, you’re on the right road. And the good news is, even if you haven’t been an exemplary saver so far, it’s not too late to start—especially when you’re young and time is on your side.”

Are you ready to start the new year off right by adopting a savings mindset? Keep reading for proven tips and tricks that will add up to big savings in the future.

Save on Your Housing Costs

Consider living with roommates or family. When you’re younger and free of dependents, living in a low-cost fashion is much easier than it is later in life. The best route is to live with roommates. Living solo is a pricey luxury most younger people can’t afford. But sharing a rental lowers your per-person costs and may even brighten your social life. Another option is living with relatives. Just be sure to talk it through with everyone in the household first to set expectations, raise concerns, and establish costs and rental agreements.

Choose a low-cost rental. You may currently be living beyond your means. If you’ve allowed your champagne tastes to exceed your beer budget, consider completing your current lease and moving to a rental that costs less. The less you’re spending each month, the more you can save toward buying your own place. Just remember to factor in all the costs of moving to and living in a new rental.

Negotiate your rental increases. Some landlords increase their tenants’ rent no matter how good the tenant and regardless of the state of the economy. If your local economy is weak and the rental market is soft or your living quarters are deteriorating, negotiate with your landlord. You have more leverage and power than you probably realize. Landlords don’t want to lose good tenants who pay rent on time, and filling vacancies takes time and money. Craft a polite note or pay a personal visit to make your case.

Cut your utility bills. Whether you own or rent, try to keep utility costs low. (Landlords factor your energy consumption into future rental hike decisions.) Adjust your thermostat and wear layers in the winter, and keep your home warmer during summer months. If you own, try to beef up your property’s insulation. And if you pay for garbage service, recycle as much as possible.

Keep Insurance Costs Down

Use high deductibles. The deductible is the amount that must come out of your pocket before your coverage kicks in on any kind of insurance. They greatly help you lower your premiums (unless you have a lot of claims, in which case you won’t come out ahead using this method).

Take care of your health. “Exercise at least a few times per week and eat healthfully,” says Tyson. “Lose and keep off that extra weight if you’re now overweight. You get only one body and one life to take care of it.”

Manage Healthcare Expenses

Shop around for the best insurance and healthcare. Many different plan designs are available with a wide variation in costs. Also, remember medical providers have a profit motive, so they may recommend something that isn’t your best option, including extra testing that you may not need or benefit from. Always get a second opinion for any major surgery.

Kick your addictions. Smoking, alcohol, drugs, and gambling can cost you financially and emotionally. Be honest with yourself about the damage these habits are causing and quit today.

Cut Your Taxes

Contribute to a retirement plan. Tucking away money in employer-based retirement plans, such as 401(k) or 403(b) accounts, or self-employed retirement plans is a great way to exclude money from your taxable income. It also helps you build a nest egg so you don’t have to work for the rest of your life.

Use a health savings account. You can reduce your taxable income and sock away money for future healthcare expenses by taking advantage of a health savings account (HSA). In fact, HSAs can offer superior tax savings versus retirement accounts because in addition to providing upfront tax breaks on contributions and tax-free accumulation of investment earnings, you can also withdraw money from HSAs tax-free so long as the money is used for healthcare costs. No other retirement accounts offer this triple tax-free benefit.

Reduce the amount of sales tax you pay. “Remember that part of a savings mentality is choosing to spend less so you can save more,” says Tyson. “When you buy most consumer products, you pay sales tax. Therefore, if you spend less money and save it in a retirement account instead, you end up reducing both your income taxes and sales taxes.”

Increase your deductions. The IRS allows two methods for determining your total deduction and allows you to select the method that leads to greater deductions and lower taxes. The standard deduction is appropriate for those with relatively simple financial lives. The itemized deduction makes more sense for those who earn a high income, own their own home, and/or have unusually large expenses from medical bills and charitable contributions. Make sure you are choosing the method that benefits you the most.

Reduce Your Food Costs

Learn to cook. If you don’t already know how to cook, learn now. Eating three meals a day adds up to over 1,000 meals a year. Cook in large quantities and freeze leftovers for later.

Consider store brands. Name-brand companies spend a lot on advertising, which the consumer pays for in higher prices. You can save a considerable amount of money by buying the store brand (like Trader Joe’s or Whole Foods 365 Everyday Value), which is usually the same quality product at a lower price.

Buy in bulk. Wholesale superstores like Costco and Sam’s Club help you save by buying most items in larger sizes. As a further advantage, this requires fewer shopping trips and saves you in money for gasoline.

Kick the bottled water habit. Save hundreds of dollars annually and drink cleaner water by installing a water filtration system at home and improving your tap or well water.

Brown bag your lunch. Eating out daily racks up a lot of expense over time. Pack your lunch instead, saving dining out for special occasions.

Trim Transportation Expenses

Take public transit or ride a bike. Choose to live in an area that offers reliable public transportation, such as a subway or bus system. You can often purchase monthly passes at a reasonable rate. During the warmer months, use your bike to get from place to place.

Buy your car in cash. Tyson says spending money on cars is one of the leading causes of overspending and undersaving. The main reason people spend more than they can afford on a car is that they finance the purchase. When buying a car, choose one you can afford and pay in cash. For many, this means buying a good-quality used car.

Reduce Your Fashion Budget

Stop chasing the trends. “You don’t need to buy lots of new clothes every year,” says Tyson. “In fact, if your clothes aren’t lasting ten years, you’re probably tossing them before their time or buying clothing that isn’t very durable. Stick to the classics—they never go out of style.”

Buy gently used fashion. Check out consignment shops, vintage shops, or online for good bargains on pieces that have been previously owned.

Minimize accessories. How many shoes, jewelry items, and handbags do you really need? Chances are, very few. Don’t spend on accessories you won’t use and save your money instead.

Relax and Save

Don’t equate spending money with having fun. Cultivate some interests and hobbies that are free or low cost, like visiting with friends, hiking, reading, and playing sports.

Take vacations you can really afford. Take shorter vacations that are close to home and don’t borrow on credit cards to finance your trips. Or take a staycation and visit sites in your local area. For longer-distance travel, go during the off-season and off-peak times and days for airfare and hotel deals.

“You can create a better financial picture for yourself sooner and easier than you think,” concludes Tyson. “The new year is the perfect time to get started—because no matter your age and stage in life, now is always the perfect time to do all you can to ensure a better financial future.”

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Carfilzomib Can Lead to Cardiovascular Toxicity in Multiple Myeloma Patients

Penn study finds proteasome inhibitor leads to higher than expected rates of cardiovascular adverse events

Press Release – PHILADELPHIA – The proteasome inhibitor carfilzomib has taken on an increasing role in the treatment of multiple myeloma, but new research from the Abramson Cancer Center of the University of Pennsylvania shows the therapy comes with the risk of cardiovascular problems in a higher than expected percentage of patients. An analysis of past studies shows 18 percent of multiple myeloma patients receiving carfilzomib experience cardiovascular adverse events (CVAE) such as hypertension, heart failure, heart attacks, or arrhythmia. More than eight percent of patients experience high-grade CVAEs that are more severe, which is more than twice as common as with other drugs for treating relapsed myeloma. Researchers published their findings today in JAMA Oncology.

Multiple myeloma (MM) is a bone marrow cancer that affects plasma cells. Normal plasma cells work as part of the immune system, but in MM these cells become cancerous and grow out of control, leading to multiple painful bone tumors, as well as anemia, kidney failure, and recurrent infections. The American Cancer Society estimates there were more than 30,200 new cases of MM in 2017. Standard treatments include chemotherapy and radiation. Survival of these patients has improved with the use of proteasome inhibitors.

Carfilzomib is one of three proteasome inhibitors currently approved for use by the U.S. Food and Drug Administration. Proteasomes are essentially garbage workers that break down and eliminate proteins inside a cell. Diseases that require more protein turnover to survive, like MM, need more proteasomes. The inhibitor drugs block them from doing their job, causing the cells to fill up with protein and die.

“Like any cancer therapy, the concern with this approach is that it may have an effect on an otherwise healthy part of the body – in this case, the heart,” said the study’s lead author Adam J. Waxman, MD, a Hematology Oncology fellow in the Perelman School of Medicine at the University of Pennsylvania.

Brendan M. Weiss, MD, an adjunct professor of Hematology Oncology at Penn, is the study’s senior author. Weiss also works in research and development at Janssen Pharmaceuticals, which does not manufacture or support any of the drugs involved in this analysis.

Researchers gathered data from 24 studies reported from 2007 through 2017, which included information on 2,594 MM patients. They found 18.1 percent of patients who took carfilzomib experienced CVAE, with 8.2 percent of those cases being grade three or higher, meaning they are categorized as severe. For comparison, a similar review of bortezomib, another proteasome inhibitor, found just 3.8 percent of patients experienced CVAE and only 2.3 percent were severe.

The most common CVAEs were hypertension (12.2 percent) and heart failure (4.1 percent). Arrhythmias (2.4 percent) and ischemic events (1.8) – in which there isn’t enough blood flow to the heart leading to the death of heart muscle – were observed less commonly.

Researchers also found that higher doses of carfilzomib are associated with higher rates of CVAE, and that carfilzomib was associated with an elevated risk of CVAE compared to control groups who did not receive carfilzomib.

“Taken together, these findings argue that carfilzomib is responsible for an elevated risk, and anyone who is treating patients with this drug needs to be aware that this is a common event,” Waxman said.

Researchers say these findings are particularly important since there are already overlapping risk factors for both MM and cardiovascular disease, such as older age and obesity. Previous studies have shown nearly two-thirds of MM patients had cardiovascular disease at baseline, and 70 percent experienced cardiovascular events within six years.

“Clinicians should be paying attention to who may be at highest risk for these events so they can tailor their therapy accordingly,” Waxman said.

Researchers also called for further clinical trials to specifically evaluate this connection, arguing that it may be underrepresented by current data.

“If you’re not specifically looking for this, you might report it differently,” Waxman said.

The study was supported by the National Institutes of Health (T32-GM075766).

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