How to Get Back On Track
One of the best ways to stay fit is to have at least one athletic hobby: walking, swimming, bowling, tennis, golf, skiing, bicycling or even dancing. If you enjoy what you’re doing, you’ll stick with it.
Second, a workout partner can make the time go by more quickly, and you can have fun at the same time. Whether it’s a family member, friend or co-worker, a workout partner will encourage you on the days you may want to slide.
Third, hire a trainer if you have trouble maintaining an exercise program. A trainer can guide you through a program that works for you.
Remember to vary your workouts. This prevents overworking certain muscle groups, and it will keep you motivated.
Saturday, March 31, 2012
Friday, March 30, 2012
Natural Health Remedies
Minor aches and pains can be an annoyance, but they’re usually not serious enough to warrant a trip to the doctor. You can treat most minor health problems yourself: minor cough, heartburn, swimmer’s ear, muscle strain, headache, and sinusitis. Here are six useful home remedies:
• Strained Muscle – Right after the injury, put ice on the injury for 20 minutes; elevate the area. Repeat every few hours.
• Tension Headache – Put a drop of lavender on your index fingers; rub the oil on your temples and the back of your neck.
• Heartburn – Mix ½-teaspoon baking soda and 1-cup warm water, and drink it to relieve the discomfort.
• Swimmer’s Ear – Warm ½ onion in the microwave for 10-20 seconds. Hold it close to your ear (but not touching) for one minute.
• Cough – Make hot tea from wild cherry bark, steep. Drink 1 cup.
• Sinusitis – ½-teaspoon salt dissolved in 1 cup of warm water. Gently breathe into your nostrils.
(If any symptoms are unusual, or don’t go away after a few days, or come on suddenly, call your physician.)
• Strained Muscle – Right after the injury, put ice on the injury for 20 minutes; elevate the area. Repeat every few hours.
• Tension Headache – Put a drop of lavender on your index fingers; rub the oil on your temples and the back of your neck.
• Heartburn – Mix ½-teaspoon baking soda and 1-cup warm water, and drink it to relieve the discomfort.
• Swimmer’s Ear – Warm ½ onion in the microwave for 10-20 seconds. Hold it close to your ear (but not touching) for one minute.
• Cough – Make hot tea from wild cherry bark, steep. Drink 1 cup.
• Sinusitis – ½-teaspoon salt dissolved in 1 cup of warm water. Gently breathe into your nostrils.
(If any symptoms are unusual, or don’t go away after a few days, or come on suddenly, call your physician.)
Thursday, March 29, 2012
Is Your Cell Phone Getting You Lost?
Has this ever happened to you? A recent study of 96 drivers showed that 12 of 24 drivers using a cell phone with a headset missed their exit. According to the Human Factors and Ergonomics Society in New Orleans, the study also revealed that 3 of 24 drivers talking to a passenger missed their exit; and only two of 48 drivers unaccompanied and not talking missed their exit. It may be time to hang up the phone!
Wednesday, March 28, 2012
How To Get Rich?
The best way to get rich may be to own your own business! A survey conducted by Market Audit found business owners had a median net worth of about $250,000–that’s almost three times the average worker!
Tuesday, March 27, 2012
You’re In Over Your Head!
Most of us carry some type of debt: mortgage, car payments, credit cards, or educational loans. How do you know when you’re carrying too much debt? Most people fall into debt trouble with impulse buying. Here are five warning signs that you may be in dangerous debt trouble, and what you can do about it:
1. You’re unable to pay more than the minimum payments on your credit cards.
2. You have more than three major credit cards and they’re near the credit limit.
3. You use your credit cards to pay other bills.
4. You hide your bills from your spouse.
5. You don’t have a savings account.
If you answered “yes” to any of the above warning signs you may want examine your debt load and set up a realistic budget. If you are carrying credit card debt, begin by paying down the highest interest credit cards bills first. Resolve to not use credit cards unless you have the cash to pay your bill off when the bill arrives; otherwise, the first step to financial health is to remove the temptation and cut up your credit cards.
1. You’re unable to pay more than the minimum payments on your credit cards.
2. You have more than three major credit cards and they’re near the credit limit.
3. You use your credit cards to pay other bills.
4. You hide your bills from your spouse.
5. You don’t have a savings account.
If you answered “yes” to any of the above warning signs you may want examine your debt load and set up a realistic budget. If you are carrying credit card debt, begin by paying down the highest interest credit cards bills first. Resolve to not use credit cards unless you have the cash to pay your bill off when the bill arrives; otherwise, the first step to financial health is to remove the temptation and cut up your credit cards.
Monday, March 26, 2012
Parenting Truths!
• If you have trouble getting your children’s attention, just sit down and look comfortable.
• Money isn’t everything, but it sure keeps the kids in touch.
• Vacation is a time when parents realize that teachers are grossly underpaid.
• The first sign of maturity is the discovery that the volume knob also turns to the left.
• There would be fewer problems with children if they had to chop wood to keep the television set going.
• Those who say they “sleep like a baby” don’t have one.
• The best thing to spend on your children is time.
• Money isn’t everything, but it sure keeps the kids in touch.
• Vacation is a time when parents realize that teachers are grossly underpaid.
• The first sign of maturity is the discovery that the volume knob also turns to the left.
• There would be fewer problems with children if they had to chop wood to keep the television set going.
• Those who say they “sleep like a baby” don’t have one.
• The best thing to spend on your children is time.
Sunday, March 25, 2012
Save Big and Drink Your Tap Water
Don’t be fooled. The bottled water you’re drinking may not be any safer than your tap water. According the National Resources Defense Council (NRDC), some bottled water sold in the United States may contain bacteria and/or chemicals. And 30 percent of bottled water sold in the U.S. comes from a city or town’s tap water!
The NRDC cited one incidence where a bottled water brand labeled “spring water” actually came from a well in an industrial facility’s parking lot. While they reported that most bottled water was safe, about 30 percent of the bottled water they tested contained bacteria, synthetic organic chemicals and inorganic chemicals.
In another recent study, Dutch researchers found 40 percent of the bottled mineral water they tested from 16 countries, (not including the U.S.) showed the presence of bacteria or fungi.
Why should you care? First, people with a weakened immune system (children, the elderly, people with cancer, kidney failure, or AIDS,) may have an increased risk of infection from bacteria. Serious infections can develop from legionella, a bacteria causing Legionnaires disease, pneumonia like illness.
Secondly, bottled water is expensive. A five-year supply of bottled water (8 glasses a day) costs about $1,000. The same amount of tap water costs $1.65.
There are some regulations on bottled water. The Federal Drug Administration (FDA) requires that if water is taken from a municipal source and not treated, the label must say it’s from a municipal source. If, the water is treated (using common technology) there is no requirement to label the municipal source.
The NRDC concluded that bottled water “should not be assumed to be purer or safer than most tap water.”
The NRDC cited one incidence where a bottled water brand labeled “spring water” actually came from a well in an industrial facility’s parking lot. While they reported that most bottled water was safe, about 30 percent of the bottled water they tested contained bacteria, synthetic organic chemicals and inorganic chemicals.
In another recent study, Dutch researchers found 40 percent of the bottled mineral water they tested from 16 countries, (not including the U.S.) showed the presence of bacteria or fungi.
Why should you care? First, people with a weakened immune system (children, the elderly, people with cancer, kidney failure, or AIDS,) may have an increased risk of infection from bacteria. Serious infections can develop from legionella, a bacteria causing Legionnaires disease, pneumonia like illness.
Secondly, bottled water is expensive. A five-year supply of bottled water (8 glasses a day) costs about $1,000. The same amount of tap water costs $1.65.
There are some regulations on bottled water. The Federal Drug Administration (FDA) requires that if water is taken from a municipal source and not treated, the label must say it’s from a municipal source. If, the water is treated (using common technology) there is no requirement to label the municipal source.
The NRDC concluded that bottled water “should not be assumed to be purer or safer than most tap water.”
Saturday, March 24, 2012
Are You Feeling Groggy?
The expression dates back to the British Royal Navy, which gave sailors a daily ration of rum to keep them content. Most of them saved it up to have one big binge. Too much “grog” made them happy all right but it had a decidedly negative effect on their performance. Sounds true today!
Friday, March 23, 2012
5 Foods That Really Fill You Up
If you’re watching your weight, you can eat more than salad for breakfast, lunch and dinner. These foods will help fill you up, not out:
• Oatmeal (not instant). It’s a healthy carb with a high fiber content.
• Eggs. Eat them for breakfast and you’ll have about 330 calories less than usual throughout the rest of the day.
• Dark chocolate. Researchers say compounds in dark chocolate slow down digestion and make you feel full longer. But don’t eat the whole bar!
• Soup. A Pennsylvania State study showed that people who had two servings of low-calorie soup daily lost 50 percent more weight than those who ate the same number of calories in snack foods. Choose broth or vegetables, not the creamy variety.
• Pine nuts. They contain pinolenic acid, which stimulates hormones that suppress your appetite. Plus, your mouth likes the crunch.
• Oatmeal (not instant). It’s a healthy carb with a high fiber content.
• Eggs. Eat them for breakfast and you’ll have about 330 calories less than usual throughout the rest of the day.
• Dark chocolate. Researchers say compounds in dark chocolate slow down digestion and make you feel full longer. But don’t eat the whole bar!
• Soup. A Pennsylvania State study showed that people who had two servings of low-calorie soup daily lost 50 percent more weight than those who ate the same number of calories in snack foods. Choose broth or vegetables, not the creamy variety.
• Pine nuts. They contain pinolenic acid, which stimulates hormones that suppress your appetite. Plus, your mouth likes the crunch.
Thursday, March 22, 2012
Spring is the Best Time to Redecorate Your Home
Q. I want to redecorate our living space, but I don’t know where to begin. Do you have any decorating tips?
A. You can makeover your living space with these simple decorating tips:
1. Change your color palette. You can choose neutral and earth tones, such as whites, tans, beiges, and golds. A room of monotone decors appears more spacious. And you can dress up a room with white walls, a white sofa, and white or glass coffee tables with accented throw pillows, colorful table runners and placements, and decorative rugs.
2. Soften the lighting. Lighting adds warmth and drama to any room. A lamp or sconce lighting will provide more warmth and mood than overhead lighting. In your rooms, place your lamps and lighting arrangements so that they form a triangle of light in the room.
3. Rearrange the furniture. Try moving your sofas away from the wall. You can place two sofas in “V” formation with tables behind them. Or you can arrange the sofas so that they’re parallel to each other. Placing a rug between them creates a conversation area.
4. Create a focal point. Select a special focal point in your room: a piano, piece of art, picture, or floral arrangement. Make sure to hang your art and pictures at eye level. (Many people hang them too high.)
5. Create warmth. You can transform your dining room by adding lamps on each side of the buffet. Be sure to choose tall, sleek lamps to add drama to your dining area.
6. Experiment with ideas. Don’t be afraid to experiment with light, color, and furnishings. Use your own personality and charm to create the living space you’ll enjoy entertaining and spending time with your family.
If you are in the market for a buying or selling a home and need competent and caring representation, please call me at 206-226-0565.
A. You can makeover your living space with these simple decorating tips:
1. Change your color palette. You can choose neutral and earth tones, such as whites, tans, beiges, and golds. A room of monotone decors appears more spacious. And you can dress up a room with white walls, a white sofa, and white or glass coffee tables with accented throw pillows, colorful table runners and placements, and decorative rugs.
2. Soften the lighting. Lighting adds warmth and drama to any room. A lamp or sconce lighting will provide more warmth and mood than overhead lighting. In your rooms, place your lamps and lighting arrangements so that they form a triangle of light in the room.
3. Rearrange the furniture. Try moving your sofas away from the wall. You can place two sofas in “V” formation with tables behind them. Or you can arrange the sofas so that they’re parallel to each other. Placing a rug between them creates a conversation area.
4. Create a focal point. Select a special focal point in your room: a piano, piece of art, picture, or floral arrangement. Make sure to hang your art and pictures at eye level. (Many people hang them too high.)
5. Create warmth. You can transform your dining room by adding lamps on each side of the buffet. Be sure to choose tall, sleek lamps to add drama to your dining area.
6. Experiment with ideas. Don’t be afraid to experiment with light, color, and furnishings. Use your own personality and charm to create the living space you’ll enjoy entertaining and spending time with your family.
If you are in the market for a buying or selling a home and need competent and caring representation, please call me at 206-226-0565.
Wednesday, March 21, 2012
Free Credit Reports
Now you’ll be able to get your free credit report thanks to the Fair and Accurate Credit Transactions Act. The three national credit bureaus: Equifax. Experian, and Transunion are required to provide consumers with their credit reports for free once per year. Your credit report and score can affect your ability to buy a home, the rate you can get on a car loan and the terms of these loans. The score is based on a formula that evaluates your credit file. The higher your score, the less your credit risk to lenders. To get your free credit report, go to www.AnnualCreditReport.com.
You also can order reports over the telephone at (877) 322-8228. For further information and tips, go to the Federal Trade Commission's Web site: www.ftc.gov/credit.
You also can order reports over the telephone at (877) 322-8228. For further information and tips, go to the Federal Trade Commission's Web site: www.ftc.gov/credit.
Tuesday, March 20, 2012
7 Healthy Habits We Should all Live By
We all want our kids to do well in life...and not make some of the mistakes we might have made. Here are seven important money strategies to teach your kids that will serve them well throughout their lives:
1) Don’t carry debt. Avoid credit card debt. It’s expensive money! In fact, about 30% of college graduates will enter the workforce with $10,000 to $25,000 in credit card debt and other loans.
2) Pay yourself first. Have your children open an investment account and regularly have them put away money for goals and emergencies.
3) Set up a budget and track your expenses. Help your children set up their own budget, and teach them how to track their income (from allowances, gifts, money earned) and expenses.
4) Don’t compare yourself with others. A friend may drive a fancy car and wear expensive clothing, but they actually may be deeply in debt.
5) Don’t trust anyone with your money. No one cares as much about your money as you do.
6) Invest in a Roth IRA, and/or a market index when you start earning money. To reach long-term goals investing is a must.
7) Money doesn’t buy happiness. Money can make life easier when you don’t have to struggle financially to make ends meet. But money can’t buy love or happiness.
1) Don’t carry debt. Avoid credit card debt. It’s expensive money! In fact, about 30% of college graduates will enter the workforce with $10,000 to $25,000 in credit card debt and other loans.
2) Pay yourself first. Have your children open an investment account and regularly have them put away money for goals and emergencies.
3) Set up a budget and track your expenses. Help your children set up their own budget, and teach them how to track their income (from allowances, gifts, money earned) and expenses.
4) Don’t compare yourself with others. A friend may drive a fancy car and wear expensive clothing, but they actually may be deeply in debt.
5) Don’t trust anyone with your money. No one cares as much about your money as you do.
6) Invest in a Roth IRA, and/or a market index when you start earning money. To reach long-term goals investing is a must.
7) Money doesn’t buy happiness. Money can make life easier when you don’t have to struggle financially to make ends meet. But money can’t buy love or happiness.
Monday, March 19, 2012
What Can You Learn From A Simple Blood Test?
How many episodes of ER have you watched and wondered...what exactly does the CBC tell these actors turned doctors? A CBC (complete blood count) can reveal a lot about your health. The CBC measures your hemoglobin (a protein that allows red blood cells to transport oxygen and gives blood its red color). Low hemoglobin indicates anemia.
A hematocrit measures the volume that red blood cells take up in the blood. Elevated numbers may indicate dehydration, or it may be an early sign of cancer or kidney disease. Low numbers indicate anemia. Your white blood cells (WBC) fight infection and promote healing. A high WBC count indicates a bacterial infection. Very low numbers may indicate exposure to toxic drugs or environmental toxins, or other diseases.
Your platelet count indicates your body’s ability to initiate blood clotting. A high number may indicate anemia, inflammation or a more serious condition. A low number may indicate an autoimmune disorder, allergic drug reaction, or an enlarged spleen. Your physician may order additional tests if your blood measurements don’t fall in the normal range.
If you any questions about your CBC, be sure to ask your physician to explain the ranges and results to you.
A hematocrit measures the volume that red blood cells take up in the blood. Elevated numbers may indicate dehydration, or it may be an early sign of cancer or kidney disease. Low numbers indicate anemia. Your white blood cells (WBC) fight infection and promote healing. A high WBC count indicates a bacterial infection. Very low numbers may indicate exposure to toxic drugs or environmental toxins, or other diseases.
Your platelet count indicates your body’s ability to initiate blood clotting. A high number may indicate anemia, inflammation or a more serious condition. A low number may indicate an autoimmune disorder, allergic drug reaction, or an enlarged spleen. Your physician may order additional tests if your blood measurements don’t fall in the normal range.
If you any questions about your CBC, be sure to ask your physician to explain the ranges and results to you.
Sunday, March 18, 2012
Easy Weight Loss Tip!
Here’s an easy way to drop five pounds a year—drink more water. Drinking water speeds up your metabolism, and helps your body burn more fat. Experts recommend 8 eight ounce glasses of water per day to fully hydrate, even more in a hot climate or summertime.
Friday, March 16, 2012
How to Maintain Strong Bones 4 Life
Nearly 10 million Americans suffer from Osteoporosis. By 2020, half of all citizens over 50 will be at high risk for developing the condition. In a recent report, “Bone Health and Osteoporosis,” U. S. Surgeon General Richard H. Carmona outlines important measures you can take to maintain strong, healthy and happy bones for life.
One of the most common myths, he says, is that only women need to worry about bone health. Osteoporosis affects men and women of all races. By age 75, osteoporosis is as common in men as it is in women!
Are you at risk? The first symptom of osteoporosis is a bone fracture. Other risk factors include: low calcium/vitamin D intake, a sedentary lifestyle, smoking, body weight less than 125 lbs, long-term steroid medication like prednisone or cortisone, eating disorders such as anorexia or bulimia, and early menopause.
How to maintain strong bones? First, while bone weakness is evident in older Americans, strong bones begin in childhood. Here are four steps you can take today to prevent osteoporosis and maintain strong, healthy bones:
1. Get the recommended amount of daily calcium by drinking milk and eating green leafy vegetables, soybeans, yogurt, and cheese. (1,000 mg of calcium per day).
2. Exercise 30 minutes per day for adults; 60 minutes a day for children. This can be walking, running, or any weight-baring exercise.
3. Get Vitamin D (200 IU), which is produced in the skin by exposure to the sun. It’s also found in fortified milk and cereals
4. Your doctor can order a bone density test (DEXA), which measures bone density at the spine, hip, and wrist where most fractures occur.
For more information on osteoporosis, call 1-866-718-BONE, or go to www.surgeongeneral.gov.
One of the most common myths, he says, is that only women need to worry about bone health. Osteoporosis affects men and women of all races. By age 75, osteoporosis is as common in men as it is in women!
Are you at risk? The first symptom of osteoporosis is a bone fracture. Other risk factors include: low calcium/vitamin D intake, a sedentary lifestyle, smoking, body weight less than 125 lbs, long-term steroid medication like prednisone or cortisone, eating disorders such as anorexia or bulimia, and early menopause.
How to maintain strong bones? First, while bone weakness is evident in older Americans, strong bones begin in childhood. Here are four steps you can take today to prevent osteoporosis and maintain strong, healthy bones:
1. Get the recommended amount of daily calcium by drinking milk and eating green leafy vegetables, soybeans, yogurt, and cheese. (1,000 mg of calcium per day).
2. Exercise 30 minutes per day for adults; 60 minutes a day for children. This can be walking, running, or any weight-baring exercise.
3. Get Vitamin D (200 IU), which is produced in the skin by exposure to the sun. It’s also found in fortified milk and cereals
4. Your doctor can order a bone density test (DEXA), which measures bone density at the spine, hip, and wrist where most fractures occur.
For more information on osteoporosis, call 1-866-718-BONE, or go to www.surgeongeneral.gov.
Thursday, March 15, 2012
Need Pain Relief? Try This…
If you’re looking to relieve pain – try meditation. People all over the world have recognized the benefits of meditation for thousands of years.
And recent studies show even brief training in meditation can help ease pain.
University of North Carolina at Charlotte researchers found that
students who received a single hour of mindfulness training over three days significantly reduced their awareness and sensitivity to pain. Other studies show that meditation is particularly helpful to people who suffer from chronic back pain, fibromyalgia and migraines. Here’s how you can get started:
Understand that most types of meditation have four elements in common: 1) a quiet location, 2) a specific and comfortable posture,
3) a focus of attention, and 4) an open attitude.
Try this 3-minute exercise called A.C.E. recommended by Psychologist Elisha Goldstein, PhD. Do it several times a day:
• Awareness. Spend 60 seconds becoming aware of what is happening right now in your thoughts and emotions.
• Collecting. Spend another 60 seconds collecting your attention on your breathing. Notice where you are breathing most prominently ─ your nose, chest or belly.
• Expanding. Spend another 60 seconds expanding your awareness into your physical body and noticing sensations like tingling, warmth, pain and coolness at specific sites.
Practice. Dr. Robert Bonakdar from the Scripps Center for Integrative Medicine says the idea is to relax your body and become aware of your pain without judging it or fixating on it. Instead of running away from pain, come to terms with it. The reduced tension helps ease pain.
Educate yourself. You can buy books and tapes on all kinds of relaxation techniques (mindfulness meditation, mantra meditation, relaxation response, guided imagery etc.) or seek out information on the internet. Marijuana has proven benefits for many patients, and should not be ruled out. Try different techniques to see which one best suits you. If you have chronic pain, you might consider taking formal training.
And recent studies show even brief training in meditation can help ease pain.
University of North Carolina at Charlotte researchers found that
students who received a single hour of mindfulness training over three days significantly reduced their awareness and sensitivity to pain. Other studies show that meditation is particularly helpful to people who suffer from chronic back pain, fibromyalgia and migraines. Here’s how you can get started:
Understand that most types of meditation have four elements in common: 1) a quiet location, 2) a specific and comfortable posture,
3) a focus of attention, and 4) an open attitude.
Try this 3-minute exercise called A.C.E. recommended by Psychologist Elisha Goldstein, PhD. Do it several times a day:
• Awareness. Spend 60 seconds becoming aware of what is happening right now in your thoughts and emotions.
• Collecting. Spend another 60 seconds collecting your attention on your breathing. Notice where you are breathing most prominently ─ your nose, chest or belly.
• Expanding. Spend another 60 seconds expanding your awareness into your physical body and noticing sensations like tingling, warmth, pain and coolness at specific sites.
Practice. Dr. Robert Bonakdar from the Scripps Center for Integrative Medicine says the idea is to relax your body and become aware of your pain without judging it or fixating on it. Instead of running away from pain, come to terms with it. The reduced tension helps ease pain.
Educate yourself. You can buy books and tapes on all kinds of relaxation techniques (mindfulness meditation, mantra meditation, relaxation response, guided imagery etc.) or seek out information on the internet. Marijuana has proven benefits for many patients, and should not be ruled out. Try different techniques to see which one best suits you. If you have chronic pain, you might consider taking formal training.
Wednesday, March 14, 2012
Is it Really Natural and Organic?
If a product is advertised as “natural” and “organic,” it’s good for you, right? That’s not necessarily the case. While the U.S. Food & Drug Administration has taken some enforcement actions against companies, food labels still need improving. Don’t be fooled: Here’s what to look for to select the healthiest products for your family.
• “Zero trans fat.” That may be true but it could mean the product is high in saturated fat. Be sure to read the Nutrition Facts label for the full story.
• “Low calorie” or “Reduced fat.” Compared to what? Chances are the company has a previous, higher calorie version of the product.
• “Made with real fruit.” That may be in the form of a concentrate and the primary ingredient may be sugar. You’re better off eating an apple.
• “Natural.” This word isn’t regulated. To be sure a product is natural, buy from a local farmer or buy food that is certified organic by the USDA.
• Ingredient label tricks. Since ingredients are listed in order of their proportion in the product, the first three are what you’re primarily eating.
A manufacturer may use various sugars (sucrose, high-fructose corn
syrup, dextrose etc.) in the product so the word “sugar” isn’t listed first.
• Combining healthy ingredients. The actual amount of the healthy ingredients may put them at the end of the list. By combining them into a “blend” or “mix” they can make it to the top.
• “Yeast extract.” It’s a labeling trick to hide monosodium glutamate (MSG), which can cause side effects for people sensitive to this additive.
• Using the word “wheat.” All flour derived from wheat can be called “wheat flour,” even if it’s processed. The key is to look for “whole grain wheat flour” on the ingredient list to make sure you’re eating whole wheat.
• “Zero trans fat.” That may be true but it could mean the product is high in saturated fat. Be sure to read the Nutrition Facts label for the full story.
• “Low calorie” or “Reduced fat.” Compared to what? Chances are the company has a previous, higher calorie version of the product.
• “Made with real fruit.” That may be in the form of a concentrate and the primary ingredient may be sugar. You’re better off eating an apple.
• “Natural.” This word isn’t regulated. To be sure a product is natural, buy from a local farmer or buy food that is certified organic by the USDA.
• Ingredient label tricks. Since ingredients are listed in order of their proportion in the product, the first three are what you’re primarily eating.
A manufacturer may use various sugars (sucrose, high-fructose corn
syrup, dextrose etc.) in the product so the word “sugar” isn’t listed first.
• Combining healthy ingredients. The actual amount of the healthy ingredients may put them at the end of the list. By combining them into a “blend” or “mix” they can make it to the top.
• “Yeast extract.” It’s a labeling trick to hide monosodium glutamate (MSG), which can cause side effects for people sensitive to this additive.
• Using the word “wheat.” All flour derived from wheat can be called “wheat flour,” even if it’s processed. The key is to look for “whole grain wheat flour” on the ingredient list to make sure you’re eating whole wheat.
Tuesday, March 13, 2012
Earnest Money is the Glue That Holds a Deal Together
Q. I am saving money to buy a home, but I’m not totally clear on what the term “earnest money” means. What is earnest money?
A. First, let me commend you on saving money for a home. Buying a house is probably the most important purchase you’ll make in your lifetime – and having cash available gives you more options with your purchase.
Earnest money is an important factor when you’re making an offer on a house. When you make an offer to purchase a house, the “earnest money” is the deposit that shows the buyer you are serious about the purchase. The money opens the escrow and can be applied to the buyers’ down payment or closing costs.
The earnest money amount is negotiable. It typically varies depending on the price of the house and strength of the market. Generally, it’s recommended that your earnest money deposit be about two percent of your offered price. And although earnest money is not required by law in most states, it’s standard practice in real estate transactions.
When the seller accepts your offer and earnest money, the property is taken off the market. In a hot real estate market, a large deposit may impress a seller enough so they will accept your offer instead of someone else’s. However, buyer beware…it can also put you at significant financial risk if for some reason the transaction runs into trouble not covered by a contingency in your purchase agreement.
The Standard Offer And Purchase Contract stipulates under what conditions your earnest money will be returned if the contract fails. If you are in the market for a home and need competent and caring representation, please call me at 206-226-0565.
A. First, let me commend you on saving money for a home. Buying a house is probably the most important purchase you’ll make in your lifetime – and having cash available gives you more options with your purchase.
Earnest money is an important factor when you’re making an offer on a house. When you make an offer to purchase a house, the “earnest money” is the deposit that shows the buyer you are serious about the purchase. The money opens the escrow and can be applied to the buyers’ down payment or closing costs.
The earnest money amount is negotiable. It typically varies depending on the price of the house and strength of the market. Generally, it’s recommended that your earnest money deposit be about two percent of your offered price. And although earnest money is not required by law in most states, it’s standard practice in real estate transactions.
When the seller accepts your offer and earnest money, the property is taken off the market. In a hot real estate market, a large deposit may impress a seller enough so they will accept your offer instead of someone else’s. However, buyer beware…it can also put you at significant financial risk if for some reason the transaction runs into trouble not covered by a contingency in your purchase agreement.
The Standard Offer And Purchase Contract stipulates under what conditions your earnest money will be returned if the contract fails. If you are in the market for a home and need competent and caring representation, please call me at 206-226-0565.
Monday, March 12, 2012
Why Do They Call It Bing?
Microsoft’s new search engine is not named after a cherry and does not stand for “But It’s Not Google.” It’s meant to represent the sound of something found, as in “Bingo! I’ve got it!”
Sunday, March 11, 2012
Walk Your Way To Weight Loss!
Would you like to get more exercise, but just can’t find the time? The America on the Move (AOM) program at the University of Colorado Health Sciences Center says there’s an easy way to get moving. You can lose weight, and increase your energy by wearing a pedometer. A pedometer helps you monitor how much exercise you’re getting each day. More exercise adds up to weight loss and an increase in your energy.
Just by adding about 2,000 steps a day to your daily activities and eating 100 calories less, (about what’s in a slice of bread), you’ll begin to see results. Every step counts and you can see them adding up. You’ll be more likely to park farther away from work or the store in the parking lot. You could take a short walk after dinner in the evening.
And it’s EASY...no trips to the gym, no exercise equipment to buy, and you can monitor how much exercise you’re getting during the day.
Just by adding about 2,000 steps a day to your daily activities and eating 100 calories less, (about what’s in a slice of bread), you’ll begin to see results. Every step counts and you can see them adding up. You’ll be more likely to park farther away from work or the store in the parking lot. You could take a short walk after dinner in the evening.
And it’s EASY...no trips to the gym, no exercise equipment to buy, and you can monitor how much exercise you’re getting during the day.
Saturday, March 10, 2012
Financial Challenges Get Easier With a Little Help From Your Friends
That’s what Trent from “The Simple Dollar” blog calls someone close to you who seems to be facing similar financial challenges as you are. While a spouse is certainly a “money buddy,” it’s helpful to choose someone else (with a spouse’s okay) who can lend a different perspective. By linking up with that person (or a couple), you can support each other and benefit financially and psychologically. Here are 5 things you can do for each other:
Relieve tension and talk it out. Most of us keep our financial problems to ourselves. You’ll ease your stress if you have someone you trust to talk to. How much information you share is up to you.
Give and get advice from fresh eyes. When you’ve reached a point of financial indecision (“Which debt do I pay off first?” “What bank should I use?”), a money buddy is a second set of eyeballs to look at the situation.
Hold each other accountable for goals. If you set a goal for yourself, share it with your buddy and remind each other of your goals regularly. Knowing your buddy knows your goal can be a great motivator.
Share knowledge and resources. Split the cost of a warehouse shopping club membership or divide the items you buy in bulk.
Celebrate each other’s progress and successes. It’s even more gratifying when you take the journey together.
Relieve tension and talk it out. Most of us keep our financial problems to ourselves. You’ll ease your stress if you have someone you trust to talk to. How much information you share is up to you.
Give and get advice from fresh eyes. When you’ve reached a point of financial indecision (“Which debt do I pay off first?” “What bank should I use?”), a money buddy is a second set of eyeballs to look at the situation.
Hold each other accountable for goals. If you set a goal for yourself, share it with your buddy and remind each other of your goals regularly. Knowing your buddy knows your goal can be a great motivator.
Share knowledge and resources. Split the cost of a warehouse shopping club membership or divide the items you buy in bulk.
Celebrate each other’s progress and successes. It’s even more gratifying when you take the journey together.
Friday, March 9, 2012
Try It…It Works!
Are you a member of the WD-40 fan club? Try these amazing uses:
• Untangle jewelry chains
• Lubricate window tracks
• Loosen stubborn zippers
• Clean scuff marks off floors
• Keep pigeons off balconies (they hate the smell)
• Protect silver from tarnishing
• Remove tar & grime from cars
• Untangle jewelry chains
• Lubricate window tracks
• Loosen stubborn zippers
• Clean scuff marks off floors
• Keep pigeons off balconies (they hate the smell)
• Protect silver from tarnishing
• Remove tar & grime from cars
Thursday, March 8, 2012
Sometimes a Little Stress is OK
Some forms of stress can be helpful. Say you take a
drink of coffee and burn your mouth. Chances are, you’ll
remember to test it before you drink next time. But what
if you spend all week practicing how to ask your boss
for a raise? Then, right before you talk to your boss, you
get an angry call from a customer. In this case, you may
have trouble remembering what you wanted to say.
It turns out there’s a link between stress and memory.
A recent study shows that when stress hormones are
released during or right after an event, they can make
that event easier to remember. But if they’re released
before or too long after an event, your memory of that
event is likely to fade. So, you clearly remember being
burned by hot coffee—ouch! But the stress of the angry
customer, hours after you planned your speech, makes
you forget what you wanted to say to your boss.
In the right amounts, stress can be helpful. It can help
you run from or fight danger. It can also help you learn
and remember important things. But stress that stops
you from doing what you want or need to do is not
helpful. Over time, if stress lasts too long or happens
too often, it can harm your health.
While there really isn’t a way to live without stress, you
can learn to deal with it in helpful ways. This can help
you maintain the right amount of stress—and live a
healthier, happier life.
Here are a few ways to deal with stress before it gets in
your way:
Learn to love lists: Use lists to give your mind a
rest. If you write it down, you won’t have to worry
about forgetting it.
Plan big and little: Set short- and long-term goals
to get where you want to go. Write them down to
keep you on track.
Think happy thoughts: Positive thoughts can go
a long way. Notice when you think you’ve “failed.”
Then tell yourself you’ll try again instead.
ÀÀ Stick with your healthy plans: Don’t let stress get
in the way of healthy choices. Eat well, exercise,
and get plenty of sleep.
As experts learn more about how stress affects our
bodies, we can learn more ways to cope with it.
Remember that some stress is normal. But too much
may mean it’s time to learn new stress management
skills.
drink of coffee and burn your mouth. Chances are, you’ll
remember to test it before you drink next time. But what
if you spend all week practicing how to ask your boss
for a raise? Then, right before you talk to your boss, you
get an angry call from a customer. In this case, you may
have trouble remembering what you wanted to say.
It turns out there’s a link between stress and memory.
A recent study shows that when stress hormones are
released during or right after an event, they can make
that event easier to remember. But if they’re released
before or too long after an event, your memory of that
event is likely to fade. So, you clearly remember being
burned by hot coffee—ouch! But the stress of the angry
customer, hours after you planned your speech, makes
you forget what you wanted to say to your boss.
In the right amounts, stress can be helpful. It can help
you run from or fight danger. It can also help you learn
and remember important things. But stress that stops
you from doing what you want or need to do is not
helpful. Over time, if stress lasts too long or happens
too often, it can harm your health.
While there really isn’t a way to live without stress, you
can learn to deal with it in helpful ways. This can help
you maintain the right amount of stress—and live a
healthier, happier life.
Here are a few ways to deal with stress before it gets in
your way:
Learn to love lists: Use lists to give your mind a
rest. If you write it down, you won’t have to worry
about forgetting it.
Plan big and little: Set short- and long-term goals
to get where you want to go. Write them down to
keep you on track.
Think happy thoughts: Positive thoughts can go
a long way. Notice when you think you’ve “failed.”
Then tell yourself you’ll try again instead.
ÀÀ Stick with your healthy plans: Don’t let stress get
in the way of healthy choices. Eat well, exercise,
and get plenty of sleep.
As experts learn more about how stress affects our
bodies, we can learn more ways to cope with it.
Remember that some stress is normal. But too much
may mean it’s time to learn new stress management
skills.
Wednesday, March 7, 2012
What You Should Know About Identity Theft
Guess who are the next victims of identity theft – children! It’s hard to believe but criminals are searching for dormant social security numbers (SSN) online and selling them to people (strangers or even their family members) who use them to establish phony credit. Victims may not know it’s happened until they are older and apply for financial aid or try to open a line of credit.
While you can’t prevent identity theft, you can take steps to limit the opportunities for it to happen. Here’s what you can do and look for:
Safeguard your child’s SSN and only give it out on a “need to know” basis. School sports teams and doctors’ offices do not have to have the number. Be cautious about disclosing place and date of birth details, particularly online (cybercriminals can find SSNs based on that information). Teach your kids not to give out personal information, especially on social networks (have them use nick names or code names when filling out online profiles).
Watch for red flags like these:
• You receive checks, pre-approved credit card offers or bank statements in your child’s name. Note: the pre-approved credit card offer may just be a marketing tool sent by an affiliate of your bank because you opened a college fund for your child.
• You get calls from collection agencies.
• Your teen is denied a driver’s license because another person has a license with that SSN. The imposter may even have accumulated tickets or citations in the child’s name
If you suspect anything, call Social Security and ask if any income has been reported with your child’s number. You can see if there’s a credit report for your child, but don’t do so unless you have a strong indication of theft (ordering a report unnecessarily opens the door to thieves).
For more information, see sites such as www.idtheftcenter.org.
While you can’t prevent identity theft, you can take steps to limit the opportunities for it to happen. Here’s what you can do and look for:
Safeguard your child’s SSN and only give it out on a “need to know” basis. School sports teams and doctors’ offices do not have to have the number. Be cautious about disclosing place and date of birth details, particularly online (cybercriminals can find SSNs based on that information). Teach your kids not to give out personal information, especially on social networks (have them use nick names or code names when filling out online profiles).
Watch for red flags like these:
• You receive checks, pre-approved credit card offers or bank statements in your child’s name. Note: the pre-approved credit card offer may just be a marketing tool sent by an affiliate of your bank because you opened a college fund for your child.
• You get calls from collection agencies.
• Your teen is denied a driver’s license because another person has a license with that SSN. The imposter may even have accumulated tickets or citations in the child’s name
If you suspect anything, call Social Security and ask if any income has been reported with your child’s number. You can see if there’s a credit report for your child, but don’t do so unless you have a strong indication of theft (ordering a report unnecessarily opens the door to thieves).
For more information, see sites such as www.idtheftcenter.org.
Tuesday, March 6, 2012
Time to Learn New Stress Management Skills
Some forms of stress can be helpful. Say you take a
drink of coffee and burn your mouth. Chances are, you’ll
remember to test it before you drink next time. But what
if you spend all week practicing how to ask your boss
for a raise? Then, right before you talk to your boss, you
get an angry call from a customer. In this case, you may
have trouble remembering what you wanted to say.
It turns out there’s a link between stress and memory.
A recent study shows that when stress hormones are
released during or right after an event, they can make
that event easier to remember. But if they’re released
before or too long after an event, your memory of that
event is likely to fade. So, you clearly remember being
burned by hot coffee—ouch! But the stress of the angry
customer, hours after you planned your speech, makes
you forget what you wanted to say to your boss.
In the right amounts, stress can be helpful. It can help
you run from or fight danger. It can also help you learn
and remember important things. But stress that stops
you from doing what you want or need to do is not
helpful. Over time, if stress lasts too long or happens
too often, it can harm your health.
While there really isn’t a way to live without stress, you
can learn to deal with it in helpful ways. This can help
you maintain the right amount of stress—and live a
healthier, happier life.
Here are a few ways to deal with stress before it gets in
your way:
Learn to love lists: Use lists to give your mind a
rest. If you write it down, you won’t have to worry
about forgetting it.
ÀÀ Plan big and little: Set short- and long-term goals
to get where you want to go. Write them down to
keep you on track.
Think happy thoughts: Positive thoughts can go
a long way. Notice when you think you’ve “failed.”
Then tell yourself you’ll try again instead.
Stick with your healthy plans: Don’t let stress get
in the way of healthy choices. Eat well, exercise,
and get plenty of sleep.
As experts learn more about how stress affects our
bodies, we can learn more ways to cope with it.
Remember that some stress is normal.
drink of coffee and burn your mouth. Chances are, you’ll
remember to test it before you drink next time. But what
if you spend all week practicing how to ask your boss
for a raise? Then, right before you talk to your boss, you
get an angry call from a customer. In this case, you may
have trouble remembering what you wanted to say.
It turns out there’s a link between stress and memory.
A recent study shows that when stress hormones are
released during or right after an event, they can make
that event easier to remember. But if they’re released
before or too long after an event, your memory of that
event is likely to fade. So, you clearly remember being
burned by hot coffee—ouch! But the stress of the angry
customer, hours after you planned your speech, makes
you forget what you wanted to say to your boss.
In the right amounts, stress can be helpful. It can help
you run from or fight danger. It can also help you learn
and remember important things. But stress that stops
you from doing what you want or need to do is not
helpful. Over time, if stress lasts too long or happens
too often, it can harm your health.
While there really isn’t a way to live without stress, you
can learn to deal with it in helpful ways. This can help
you maintain the right amount of stress—and live a
healthier, happier life.
Here are a few ways to deal with stress before it gets in
your way:
Learn to love lists: Use lists to give your mind a
rest. If you write it down, you won’t have to worry
about forgetting it.
ÀÀ Plan big and little: Set short- and long-term goals
to get where you want to go. Write them down to
keep you on track.
Think happy thoughts: Positive thoughts can go
a long way. Notice when you think you’ve “failed.”
Then tell yourself you’ll try again instead.
Stick with your healthy plans: Don’t let stress get
in the way of healthy choices. Eat well, exercise,
and get plenty of sleep.
As experts learn more about how stress affects our
bodies, we can learn more ways to cope with it.
Remember that some stress is normal.
Monday, March 5, 2012
How Will You Spend the Money You Save by Quitting?
Did you know that tobacco companies spend over $34
million dollars a day to market their products to you? If
they spend this much on ads, they’re probably pocketing
quite a bit more. So how much of their profits come out
of your pocket? And what would you spend that money
on if you didn’t smoke?
Because of taxes, the cost of cigarettes can vary based
on what part of the country you live in. But most packs
in the U.S. cost between $5 and $10. If you assume an
average price of $7 per pack, here’s what you’re trading
each time you buy tobacco.
For the cost of 1 pack ($7), you could buy:
A foot-long submarine sandwich, a name brand
T-shirt, or a best-selling paperback novel.
For the cost of 10 packs ($70), you could buy:
A fancy new coffeemaker, the latest video game, or
dinner for 2 at your local steakhouse.
For the cost of 50 packs ($350), you could buy:
New hiking gear, a new cell phone, or a weekend
getaway for 2.
For the cost of 100 packs ($700), you could buy:
A big new plasma television, a new bicycle, or a
year’s membership for 2 at a gym.
What else do you really want or need? Have you had
your eye on a new laptop computer? Or maybe you need
a new car? How many packs of cigarettes not smoked
will that cost you? When you think in this new way, it
can make your habit seem really expensive.
Along with the dollar cost of tobacco come many health
costs. The risks of tobacco include damage to your skin,
teeth, bones, lungs, and heart. Tobacco use can also
take years off of your life.
If you want to quit smoking, keep in mind that there are
many people who want to help. Start by talking to your
doctor. Your employer, your health insurance company,
or a trained tobacco cessation coach may also be able
to help. These resources can support you in breaking the
habit. How you’ll spend the money you save by quitting
is up to you.
million dollars a day to market their products to you? If
they spend this much on ads, they’re probably pocketing
quite a bit more. So how much of their profits come out
of your pocket? And what would you spend that money
on if you didn’t smoke?
Because of taxes, the cost of cigarettes can vary based
on what part of the country you live in. But most packs
in the U.S. cost between $5 and $10. If you assume an
average price of $7 per pack, here’s what you’re trading
each time you buy tobacco.
For the cost of 1 pack ($7), you could buy:
A foot-long submarine sandwich, a name brand
T-shirt, or a best-selling paperback novel.
For the cost of 10 packs ($70), you could buy:
A fancy new coffeemaker, the latest video game, or
dinner for 2 at your local steakhouse.
For the cost of 50 packs ($350), you could buy:
New hiking gear, a new cell phone, or a weekend
getaway for 2.
For the cost of 100 packs ($700), you could buy:
A big new plasma television, a new bicycle, or a
year’s membership for 2 at a gym.
What else do you really want or need? Have you had
your eye on a new laptop computer? Or maybe you need
a new car? How many packs of cigarettes not smoked
will that cost you? When you think in this new way, it
can make your habit seem really expensive.
Along with the dollar cost of tobacco come many health
costs. The risks of tobacco include damage to your skin,
teeth, bones, lungs, and heart. Tobacco use can also
take years off of your life.
If you want to quit smoking, keep in mind that there are
many people who want to help. Start by talking to your
doctor. Your employer, your health insurance company,
or a trained tobacco cessation coach may also be able
to help. These resources can support you in breaking the
habit. How you’ll spend the money you save by quitting
is up to you.
Sunday, March 4, 2012
Workout Partners—Both Good and Bad
You set your gym clothes out the night before. Your
running shoes wait by the door. But you just can’t seem
to get out of bed. You need something to motivate you.
That’s when your workout partner knocks on the door.
You know she’s dressed and ready for your morning
jog. It’s time to get out of bed and put on your running
shoes!
Having a workout partner, whether it’s a friend or family
member, can really help when you just can’t seem to
make it on your own. While you might skip the jog if it’s
just you, the thought of letting your buddy down can get
you up and going. Having a friend with you can also turn
the work part of your workout into fun.
But what happens if your pal can’t give you the support
you need? A workout buddy who doesn’t help you stick
to your goals can do more harm than good. Here are
some tips to help you choose a partner who is more of a
cheerleader than a couch potato.
1. Look for shared goals. Find friends who are
shooting for the same goal, or close to it. Maybe
you haven’t been active in a while and just want
to fit into your favorite jeans. If so, a friend who is
training for their second triathlon may not be your
best match.
2. Share the love. You can have more than one
workout buddy. It’s OK if Sharon from work is your
walking friend, but you play tennis on Wednesdays
with Tim from your book club. And you can still join
a weekend hiking group with Linda, your friend from
school. The more workout pals you have, the lower
your chance of being stuck without something active
to do.
3. Keep it fresh. If you or your walking buddy start to
grow bored with your daily walk, suggest something
else. The more fun you have being active, the more
active you will want to be. Go out and try something
new. If you like it, keep it. If not, try the next thing
on your list. From yoga to Zumba®, there are many
ways to get fit.
While a friend may help keep you going, the choice to be
active is really yours. Make activity fun. Choose the right
partner. Then tell yourself to get up and move.
running shoes wait by the door. But you just can’t seem
to get out of bed. You need something to motivate you.
That’s when your workout partner knocks on the door.
You know she’s dressed and ready for your morning
jog. It’s time to get out of bed and put on your running
shoes!
Having a workout partner, whether it’s a friend or family
member, can really help when you just can’t seem to
make it on your own. While you might skip the jog if it’s
just you, the thought of letting your buddy down can get
you up and going. Having a friend with you can also turn
the work part of your workout into fun.
But what happens if your pal can’t give you the support
you need? A workout buddy who doesn’t help you stick
to your goals can do more harm than good. Here are
some tips to help you choose a partner who is more of a
cheerleader than a couch potato.
1. Look for shared goals. Find friends who are
shooting for the same goal, or close to it. Maybe
you haven’t been active in a while and just want
to fit into your favorite jeans. If so, a friend who is
training for their second triathlon may not be your
best match.
2. Share the love. You can have more than one
workout buddy. It’s OK if Sharon from work is your
walking friend, but you play tennis on Wednesdays
with Tim from your book club. And you can still join
a weekend hiking group with Linda, your friend from
school. The more workout pals you have, the lower
your chance of being stuck without something active
to do.
3. Keep it fresh. If you or your walking buddy start to
grow bored with your daily walk, suggest something
else. The more fun you have being active, the more
active you will want to be. Go out and try something
new. If you like it, keep it. If not, try the next thing
on your list. From yoga to Zumba®, there are many
ways to get fit.
While a friend may help keep you going, the choice to be
active is really yours. Make activity fun. Choose the right
partner. Then tell yourself to get up and move.
Saturday, March 3, 2012
How To Protect Yourself And Others On The Road
Could you pass a written driver’s test – today? The results of an online GMAC Insurance survey showed that nearly 1 in 5 licensed drivers – 38 million Americans – probably wouldn’t! Here’s what you should do to brush up on the Rules of the Road and make yourself safer.
Take the National Drivers Test. Go to www.nationaldriverstest.com. Answer the 20 questions from state exams and study up on the ones you missed. You also can download it to Facebook and challenge your friends.
Review Local Traffic Laws. Many states post them on a .gov website.
Avoid these top driving mistakes that cause crashes:
• Multi-tasking while driving. Say “no” to: texting, phone calls and eating!
• Following too closely. Leave 2 seconds between you and the car ahead.
• Failure to yield on a left turn. Check for cars or people in your path.
• Incorrect merging. Merge carefully but don’t stop.
• Backing up. Don’t rely on the mirrors. Look over your shoulder.
Consider a refresher course. AARP offers an online Driver Safety Course geared to drivers 50 and older. Plus, taking it may qualify you for a car insurance discount.
Keep your brain sharp by subscribing to a computer driving program. CogniFit sells a Senior Driver program that starts with an assessment of 10 cognitive abilities essential for safe driving, including visual scanning and response time. It’s probably good for everyone!
Get help from your car. The next time you’re car shopping, look for a model that offers new “smart” technologies such as Distance Control Assist (which applies the brakes when you’re following another car too closely); Blind-Spot Detection (which alerts you about vehicles in your blind spots); and Night Vision Systems (which give you a vision of the road ahead with a infrared beam).
Take the National Drivers Test. Go to www.nationaldriverstest.com. Answer the 20 questions from state exams and study up on the ones you missed. You also can download it to Facebook and challenge your friends.
Review Local Traffic Laws. Many states post them on a .gov website.
Avoid these top driving mistakes that cause crashes:
• Multi-tasking while driving. Say “no” to: texting, phone calls and eating!
• Following too closely. Leave 2 seconds between you and the car ahead.
• Failure to yield on a left turn. Check for cars or people in your path.
• Incorrect merging. Merge carefully but don’t stop.
• Backing up. Don’t rely on the mirrors. Look over your shoulder.
Consider a refresher course. AARP offers an online Driver Safety Course geared to drivers 50 and older. Plus, taking it may qualify you for a car insurance discount.
Keep your brain sharp by subscribing to a computer driving program. CogniFit sells a Senior Driver program that starts with an assessment of 10 cognitive abilities essential for safe driving, including visual scanning and response time. It’s probably good for everyone!
Get help from your car. The next time you’re car shopping, look for a model that offers new “smart” technologies such as Distance Control Assist (which applies the brakes when you’re following another car too closely); Blind-Spot Detection (which alerts you about vehicles in your blind spots); and Night Vision Systems (which give you a vision of the road ahead with a infrared beam).
Friday, March 2, 2012
Make Your Comfort Meal Healthy
You’re craving a bowl of your mom’s macaroni and
cheese, but you’re also trying to eat healthier. And
what’s healthy about a bowl of pasta and cheese? The
truth is, with some creative switches, many of your
favorite comfort dishes can stay on your healthy menu.
Pasta
The simple carbs in pasta have many people avoiding
this starchy dish. But there are some things you can
do to get it back on your friendly food list. First, switch
to whole grain pasta. Next, use half as much pasta as
usual. Swap in vegetables for the other half. If your
mom’s recipe calls for 4 cups of noodles, make 2 cups
of whole grain pasta. Then mix in 2 cups of cooked
cauliflower.
Meats
If roast beef is your comfort food of choice, or you can’t
face another day without a pork chop, there are ways
to work these foods into your healthy diet. First, look at
your cut of meat. Choose “loin” or “round” cuts for beef,
and “loin” or “leg” cuts for pork. For poultry, take off the
skin before you cook it. Like pasta, substitute veggies or
beans for half of your usual portion.
Soups and Sauces
You may think you have to say goodbye to your favorite
soups and sauces. But that may not be so. Instead, get
creative and make your old favorites even more flavorful.
First, work in more vegetables. They add nutrients and
fiber—and very few calories. Spinach or green peppers
can make anything from marinara to minestrone soup a
healthier choice.
For those days when creamy sauce is a must, you
still have options. Try using pureed white beans (not
cream) to thicken your sauce. And if cheese is what
you’re looking for, try low-fat versions. Stronger-flavored
cheeses (like sharp cheddar or aged parmesan) will give
you the same amount of flavor with less cheese.
Servings
A final tip for healthy comfort food is to eat only enough
to take care of your craving. A small bowl of mom’s
macaroni and cheese would taste great with a plate full
of fresh leafy greens, don’t you think?
Eating healthy isn’t about never enjoying your food
again. It’s about making smart choices and finding new
ways to play with flavor. You may even find that healthy
comfort food tastes better than the old recipes.
cheese, but you’re also trying to eat healthier. And
what’s healthy about a bowl of pasta and cheese? The
truth is, with some creative switches, many of your
favorite comfort dishes can stay on your healthy menu.
Pasta
The simple carbs in pasta have many people avoiding
this starchy dish. But there are some things you can
do to get it back on your friendly food list. First, switch
to whole grain pasta. Next, use half as much pasta as
usual. Swap in vegetables for the other half. If your
mom’s recipe calls for 4 cups of noodles, make 2 cups
of whole grain pasta. Then mix in 2 cups of cooked
cauliflower.
Meats
If roast beef is your comfort food of choice, or you can’t
face another day without a pork chop, there are ways
to work these foods into your healthy diet. First, look at
your cut of meat. Choose “loin” or “round” cuts for beef,
and “loin” or “leg” cuts for pork. For poultry, take off the
skin before you cook it. Like pasta, substitute veggies or
beans for half of your usual portion.
Soups and Sauces
You may think you have to say goodbye to your favorite
soups and sauces. But that may not be so. Instead, get
creative and make your old favorites even more flavorful.
First, work in more vegetables. They add nutrients and
fiber—and very few calories. Spinach or green peppers
can make anything from marinara to minestrone soup a
healthier choice.
For those days when creamy sauce is a must, you
still have options. Try using pureed white beans (not
cream) to thicken your sauce. And if cheese is what
you’re looking for, try low-fat versions. Stronger-flavored
cheeses (like sharp cheddar or aged parmesan) will give
you the same amount of flavor with less cheese.
Servings
A final tip for healthy comfort food is to eat only enough
to take care of your craving. A small bowl of mom’s
macaroni and cheese would taste great with a plate full
of fresh leafy greens, don’t you think?
Eating healthy isn’t about never enjoying your food
again. It’s about making smart choices and finding new
ways to play with flavor. You may even find that healthy
comfort food tastes better than the old recipes.
Thursday, March 1, 2012
Make Your Pens and Markers Last 3 Times Longer!
Do you ever reach for a favorite marker only to find it dried up and useless? Here is a simple fix: Store all of your pens and markers UP SIDE DOWN. The tips will stay irrigated with fresh ink and maintain their shape.
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