We spoke a couple of weeks ago about the changing credit card laws that will restrict issuance of cards for anyone under 21. So how can you help younger students learn good credit habits? here are a few suggestions from the Wall Street Journal. Test Drive a Debit Card- I’ve spoken with middle school kids explaining to them the difference between credit cards and debit cards because they appear the same to the unschooled or inexperienced. But we know that debit cards draw money from a bank checking account. If you can teach kids to manage a debit account, that could be a good first step in helping them get the hang of not using cash. Authorized user of one your card- the author of the WSJ article suggests that making the child an authorized user of ‘one or more of your cards’ – I can’t imagine why they’d need to be an authorized user of more than one card, but in this way the ‘payment history of the card will appear on the child’s credit file and help him or her build a good credit history-assuming, of course, that the parent handles the card responsibly,’ according to the article. Secured Credit card- secured cards put cash down. They are like a pre-paid phone and allow you to use only up to the amount deposited with the credit card. If you pay the bill you have whatever available credit remains and you are able to establish credit history. A few years of these ‘guardrail’s can really help kids get a more solid footing and help them with their credit futures. Citations:WSJ
Ingredients:2 cups mashed sweet potatoesÂ¼ cup onion, mincedÂ¾ teaspoon garlic, minced1 cup kidney beans, slightly mashed1/3 cup waterÂ½ tablespoon chili powderÂ½ teaspoon cumin1/8 teaspoon cayenne pepper2 flour tortillasÂ¼ cup cheddarDirections:In a mixing bowl, add potatoes and beans then mix. Add garlic, onion, water, chili powder, cumin, cayenne pepper, and cheese. Mix well. Lay each tortilla on a sheet of aluminum foil. Place half of the mixture in the center of each tortilla. Fold up sides and roll in foil. Bake wrapped in foil at 350Â° for 25-35 minutes.
By- Dr. Joan PellegriniAlthough anyone at any age can get a concussion, this time of year is particularly important because of the start of the sports season in the schools. A concussion happens when there is a blow to the head that causes either a loss of consciousness, a brief lapse of memory, or a feeling of dizziness or being dazed. Most of us do not consider concussions to be serious and therefore we shrug it off and encourage the athlete to get back on the field quickly. Unfortunately, a concussion is a form of brain injury and this is why it is so important to avoid concussions. People who have a concussion are at an increased risk of having seizures over the next five years. Also, multiple concussions can lead to learning disabilities and some loss of cognition. There is even a theory that multiple concussions can increase your risk of developing Alzheimerâ€™s Disease.Post-concussive syndrome is poorly understood. It is also very difficult to predict. This is a complex disorder that may cause headache and dizziness for weeks or months. There may also be mood or personality changes, diminished concentration, fatigue, nausea, balance issues, and loss of appetite. It is easy to see why this syndrome could cause serious problems with school, work, or family life.The most important thing about concussions is to prevent them. Many high risk sports require helmets. However, there are several sports with high risk that do not require helmets such as soccer and field hockey. Once you or your child suffers a concussion, it then becomes extremely important to avoid another concussion. Certainly, the brain needs time to heal. However, medical professions are uncertain how long the injury may take to heal. Currently, the recommendation is to avoid risky behavior until all symptoms have completely resolved. This may mean keeping your child out of the sport for several weeks or more. If your child had a concussion and then returns to the sport after a time of healing, it is important for the coach to look for signs of incomplete healing such as slow response times, balance issues, etc.If you suspect that your or a family member may be suffering from post-concussive syndrome, your family physician can refer you to a specialist that deals with brain injury. This physician may even refer to very specialized physicians that deal specifically with the neuropsychiatric complications of brain injury.
***Serves 2***Ingredients:4 oz. day-old bread cut into 1â€ cubes3 oz. cream cheese cut into small cubes4 oz. blueberries4 eggs, beatenÂ½ cup milkÂ¼ teaspoon vanilla extract2 tablespoons maple syrupÂ¼ teaspoon cinnamonÂ¼ cup white sugarÂ½ tablespoon cornstarchÂ¼ cup waterÂ¼ cup blueberriesÂ¼ tablespoon butterDirections:In a metal mixing bowl, combine beaten eggs, maple syrup, milk, vanilla, and cinnamon. In a baking dish, add bread, cream cheese and blueberries, Pour egg mixture over bread then cover and put into the refrigerator for about 2 hours to let the bread soak up the egg mixture.Bake covered at 350Â° for 30 minutes then uncover and bake for another 25-30 minutes or until lightly browned.
By- Dr. Jonathan WoodBeing admitted to the hospital is can be scary and traumaticâ€¦ for the patient and for the patientâ€™s family.Being critically ill, needing invasive procedures or having a hospitalized child all accentuate these feelings The medical lingo is difficult to understand, the issues discussed often carry great importance, and there are often unanswered questions. Whatâ€™s more, caretakers often seem to be overworked or in a hurry. And then money is invariably an issue: missed work, inadequate insurance, childcare needs, day-to-day living away from home, etc. More stress.In the end, many people report a sense of â€œloss of controlâ€. What can be done?Arrgghhhh!While I cannot offer a fix for the sometimes beleaguered state of modern medicine, I will suggest one central thing that can help with all the above: improved communication. And much of it is within your control.Some suggestions:Ask questionso Who are you? Insist that people introduce themselves and explain their role in your care. Where do they fit in the lists above?o Why are we doing this? Insist on understanding why tests are being done and what is going to happen with the information.o May I speak with my doctor? Ideally there is one doctor orchestrating all of your care. Ideally there is excellent communication between doctors and amongst all the participants in the care team. Insist on a team and a good leader.Learn the system (i.e. who are all these people?)Hospitals depend upon a complex system of personnel that is often very confusing and very difficult to understand. Examples:o Primary Care docs (e.g. Internist, Family Practitioner, Pediatrician)o Inpatient Specialists (e.g. Hospitalist, Intensivist)o Specialists (e.g. Surgeon, Psychiatrist, OB-Gyn)o Sub-Specialists (e.g. Cardiologist, Neurologist, Orthopedic surgeon)o Midlevel Providers (e.g. Nurse Practitioner, Physician Assistant)o Nurses (e.g. bedside nurse, charge nurse)o Ancillary Personnel (e.g. Respiratory Therapy, Physical Therapy, Occupational Therapy, Nutritionists, Social Workers, Care Managers)o Trainees (e.g. residents, nursing students, medical students)Tell your caretakers your worries â€“ donâ€™t be afraid to tell people what concerns you or what would make you more comfortable. Nothing is off limits!Leave your biases at homeo Believe in the system â€“ Much of believing is understanding. Work to understand the system (see above) and increased confidence will follow. o Donâ€™t worry about offending â€“ Doctors are people – – you can talk to them like you talk to anyone. Sometimes people feel intimidated, but it is important to move beyond this. Be yourself. Remember: you are the consumer. Be polite and expect the same in return.o Gender â€“ The days of female nurses and male doctors are long over. Do not make assumptions based on gender and treat all your caretakers with respect. Insist on the same in return.o Teaching Hospitals â€“ Much of the best care in the US is delivered in teaching hospitals. No one is experimenting on you. On the contrary, these are often very concerned, very smart, and often less busy students or residents who can be very helpful in you quest for quality healthcare. Take advantage of the opportunity!o Culture Differences â€“ Maine attracts caregivers from all cultures. These people are invariably well trained and very caring. Treat them with respect and expect the same in reverse. If accents are difficult to understand, be frank, polite, and patient.Know what is expected of you and your family when you are dischargedo Ask questionso Get to know your â€œcare managerâ€ or â€œdischarge plannerâ€o Be sure you understand your medications and doses (including changes from when your arrived)o Have instructions repeated as many times as it take to understando Know who you need to see after leaving and where and when.While these suggestions wonâ€™t make being hospitalized fun, they may take some of the unnecessary fear and anxiety out of the process. In the end, remember… communication is the key!
We’ve all wondered what it would be like to switch jobs and try something new.Amy Erickson’s been trying her hand at all sorts of professions.This time, she’s scooping Gifford’s famous ice cream.She has more in this “Take This Job and Love It.”Rhonda Charette’s a scooping superstar.She’s been here at Gifford’s Ice Cream in Bangor for 20 years.She says she can teach me the ropes…but it’ll be trickier than I think.”Is there more of a challenge in here than people think? definitely. takes a little bit of practice.””You can get ice cream up to your elbows, so be careful! Ok!”Once I’ve donned my apron, I start with the basics…scooping ice cream.First surprise?Each scoop has to be the exact same size…four ounces.We start with vanilla.”And you use this as a cutting edge. you scrape the ice cream towards you until you think you’ve got enough for your cone.”Sure enough, Rhonda’s scoop is right on the money.”How did you do that? Exactly 4 ounces. How’d you do it? 20 years’ work, probably.”Next, I try my hand…it’s not as easy as it looks.”Oh, I’m over. Not too bad!”From there, Rhonda shows me the secret of adding sprinkles…”Lay it on, roll it around, you’re pressing…there you go.”…And how to make a frappe that has just the right consistency…Then it’s time for more of a challenge…”Ok, you’re going to make a sundae with mint chip ice cream. It needs 2 scoops of mint chip.””Ok, that’s the tricky part….tuck in any fudge that’s falling out.””I like whipped cream. Now put a cherry on top…a teaspoon of nuts.”I think it looks good enough to eat.Next, it’s time to prepare the homemade waffle cones…I start with the batter.”How do you get it out of there? use your muscle! this job takes more muscle than i thought. Is your right arm much stronger than your left? It sure is!”Then it’s time to fire up the waffle maker and shape the cones…look how fast Rhonda does it…Now it’s my turn…”It’s a little hot! that’s why we move so fast.”And I forgot the most important part…sealing the bottom of the cone…uh-oh.”So whoever has a drippy cone tonight can blame me. we’re gonna tell them to give you a call!”When I’m done, Rhonda gives me my review.”You did great. I’d bring you back for a little more training but then you could work with us anytime during the summer.””As fast as we work here, the pace, you just need to practice a little more…and toughen up my hands for those hot waffles?! definitely.”We’re always looking for suggestions for our next job swap story.If you have a suggestion, email us: firstname.lastname@example.org
By- Dr. David PrescottWhy Is Reducing the Stigma of Mental Illness Important? There are probably dozens of reasons that challenging the stigma of mental illness and addiction is important. But none seem more compelling than the fact that nearly two-thirds of people who experience a mental illness never receive any type of professional help for their problems. The negative attitudes, fears, and stereotypes that surround mental illness are one of the largest barriers to people receiving professional help. Stigma: A Mark of Social Disgrace? One definition of stigma is â€œa mark of social disgrace.â€ The concern is that our own personal fears and distrust lead us to think about people with mental illness in a way that makes the problem worse. Stigma leads to treating people with mental illness differently than we would treat them if they didnâ€™t have a mental illness. Examples of the forms that stigma against mental illness can take include: Stereotyping People with Mental Illness â€“ for example, assuming that people with severe mental illness can never have a job or a family of their own. Fearfulness â€“ not talking to someone with mental illness or purposefully avoiding them. Discrimination â€“ for example, not considering a person with known mental illness for a volunteer position, renting an apartment, or considering them for a job, based solely on the knowledge that they have, or have had, a mental illness. Language â€“ talking about mental illness in a way that makes fun of people with mental illness or perpetuates stereotypes, makes it harder for stigma to be eliminated. Avoid the Temptation to Say â€œMental Illness Doesnâ€™t Affect Me: People usually are not very happy if someone suggests they are prejudiced or hold negative stereotypes. Or, many people may see the issues around mental illness and addiction as not really affecting them or their family. However, the fact is that one in five people worldwide will have a mental or neurological disorder at some time in their life. This statistic virtually guarantees that everyone will be impacted by mental illness, and our ability to provide help in promoting recovery. Steps Towards Reducing Stigma: Eliminating societal level stereotypes of mental illness is an enormous goal. But, like all big problems, there are important steps that start with individuals. Some things that you could do include: Become More Knowledgeable: When we donâ€™t know the facts, it is easier to rely on a stereotype or false belief. Knowledge about mental illness is readily available on the web or in books. Knowing a few simple facts, like that the majority of people with mental illness recover from that illness, can help reduce stigma. Watch your Language: One good place to start is to use â€œpeople firstâ€ language â€“ saying â€œpeople with mental illnessâ€ instead of â€œthe mentally ill.â€ And, obviously, eliminating derogatory terms like â€œpsychoâ€ is important. Listen: If you know someone with mental illness, listen to their story and their experience. You donâ€™t need to have professional knowledge about treatment to listen. Just offer the respect and dignity you would offer any friend. For More Information: Federal Substance Abuse and Mental Health Service Administrationâ€™s â€œWhat A Difference a Friend Makesâ€ Campaign: www.whatadifference.samhsa.govAcadia Hospital Web Site: www.acadiahospital.orgNational Alliance for the Mentally Ill: www.nami.org
Makes 8 meatballsIngredients:Â½ lb. ground beefÂ¼ cup bread crumbs1/8 cup milk 1 eggÂ¼ cup minced onion1 teaspoon chopped garlicÂ¼ teaspoon black peppermozzarella cheese cut into 8, Â½â€ cubesmarinara sauce or sauce of your choiceDirections:In a bowl, combine ground beef, bread crumbs, milk, egg, onion, and pepper. Mix well. Shape meat mixture into 1â€ to 1 Â½â€ meatballs around a cube of mozzarella. Place in single layer in a foil pan or baking dish, cover with marinara. Bake at 400Â° for 25 minutes.
By- Dr. Amy Movius School is back in session and for households with children, this necessitates a shift of routine that includes getting kids to and from school as well as school related activities. The logistics of more coming/going from more places deserves some special attention, as each year approximately 900 children in the US are killed while walking and more than 50,000 are injured. Unlike adult, child pedestrians tend to be injured in broad daylight under optimal conditions – meaning no impairment of visibility or poor road conditions. Boys outnumber girls in injuries sustained. Looking back, the number of child pedestrian fatalities has decreased by almost 50% since 1997. Before congratulating ourselves, however, we must realize this is not due to an improvement in pedestrian safety. Rather it is merely a consequence of fewer kids walking at all. In 1969, 42% of all children walked or biked to school: increasing to 87% for those who lived within a mile of school. Today, a whopping 16% of children walk or bike to school and a large proportion of kids living less than a mile away are still driven to/from school. This behavior is consistent with the alarming increases in obesity and decreases in exercise seen in our country’s children. One of the goals of the Healthy People 2010 initiative is to increase the proportion of trips less than a mile that are made by walking. Weather permitting, school travel is a great opportunity to incorporate this healthy lifestyle, though obviously not at the expense of children’s safety. Safety is the second most common reason cited by parents who opt not to have their children walk to school. Evaluating the factors that contribute to child pedestrian injuries can be helpful in creating safer walking conditions for children. The first contributor to child pedestrian injuries is the child him/herself. Children have limited ability to scan traffic activity and are poor judges of vehicle distance, speed, and estimating time needed for street crossing. Children are also inherently quick moving and impulsive. That most child pedestrian accidents occur when children dart into the street, not at intersections is further proof of this. Adults tend to overestimate the ability of our children to navigate traffic, simply because we don’t appreciate the physical and perceptive limitations of their age. For this reason, the AAP states children less than 10 should not be unsupervised pedestrians. A second contributor to pedestrian accidents is, unsurprisingly, the driver. It is more difficult to see children because they are small. This is even worse in vehicles of elevated height such as SUVs, vans, and trucks. (Incidentally, the injuries caused by these vehicles tend to be worse than normal passenger cars). Also just as children are poor judges of traffic distance, drivers are poor judges of child pedestrian distance, again because of their smaller size. Speed is a huge contributor to accident occurrence and severity of injuries. Cars going fast take longer to slow and stop. Whereas there is an 85% chance of survival for a pedestrian struck by a vehicle going 20mph, there is an 85% chance of death for a pedestrian stuck by a vehicle going 40mph. A last consideration is the environment in which a child walks. In urban areas, high traffic and poor visibility due to parked cars are concerns. For more rural areas, few traffic lights, lack of sidewalks or any barrier between pedestrian and vehicle routes are major concerns. Encouraging children to walk more is a worthwhile effort and a few guidelines can make is much safer. First, supervision by an adult is the most effective tool to keeping child pedestrians safe. Remember, no child pedestrian under 10 yrs of age should be unsupervised. Second, adults should be good role models when walking. We can hardly expect our children to take crosswalks, sidewalks and crossing signals seriously if we do not. Plan the safest route to your child’s destination, perhaps enlisting community and government resources to establish and protect these paths. The pedestrian equivalent of a car pool can also be formed, where parents take turns walking a group of children to school. Several resources such as Safe Routes to School (which is federally funded), Kids Walk, and Walk to School Day can help get you started. Lastly, children who have been involved as pedestrians in accidents have a very high incidence (30%) of Acute Stress Disorder and Post-Traumatic Stress Disorder. This is true even for very minor accidents. Most are not brought to professional help. If your child has been in a “near miss” accident they may have symptoms such as reexperiencing the incident, avoidant behavior, hyper arousal, or dissociation (shut down). Please take your child to their medical provider if there is any concern. Reference:Policy Statement – Pedestrian Safety, American Academy of Pediatric 2009, www.aap.org www.healthypeople.gov
Family living on one income might be a decision made because of values or a situation thrust upon you because of circumstance. Either way, these tips will help you live well on less. Be thoughtful – Think about the family’s real needs. If you consider earlier generations and how people in other countries live you’ll realize that cable is not a necessity. Convenience foods, some paper products, downloaded music and frequent movie rentals may need to be eliminated from the budget. How many cell phones are really needed and is texting really necessary? Homemade lunches are yummy! Proud to be frugal- Not proud because you are superior to others, but don’t be ashamed to simplify life so that owning and maintaining stuff has become your reason to go work every morning. Be organized- With someone staying home as their new job, make time to plan menus, make homemade meals and get to the library for the movies and magazines available for free. Make-ahead meals cooked in bulk saves energy but to do that you need to plan. Be creative- Involve the whole family by letting the kids in on the cost cutting. As it gets darker earlier, help them make a game of shutting off lights in rooms when no one is using them. Make homemade pizza and have game night instead of more costly pursuits. Maybe other families will have a game swap so that you can pass along games that you have played and trade those for ‘new’ games. have the kids help cutting cost at the grocery store by unit shopping and coming up with healthy snacks ideas. Get involved volunteering in the community to help families who may be worse off than you so you can foster a selfless attitude in everyone. Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.com
By- Joan Marie PellegriniThis is to quote Thomas Judge, Director of Lifeflight of Maine. For years, we have known that Mainers are hesitant to call the ambulance when they are having chest pain. There are many reasons for this. Most people think that their pain is â€œreally no big deal.â€ There is denial that they may actually be having a heart attack. Also, who want â€œall those ambulances and people showing up at my door.â€ All the neighbors will be wondering what is going on. Also, the ambulances are busy and should be left to pick up the â€œreally sickâ€ people. And, for people who live fairly close to a hospital, â€œI can get their faster by just driving myself.â€Most people think that they will know if they are having a heart attack. This is because they assume the symptoms are the same for everyone. Unfortunately, this is not true. The chest pain can come on gradually or suddenly. It can be mild or severe. It can be in the front or back of the chest. It can radiate up to the chin or down the arms or even seem to be in the abdomen. A heart attack can happen to people who appear healthy and who feel well. A heart attach can happen even if youâ€™ve had a physical that states you are healthy. Sure, there are other diagnosis that can cause similar symptoms but arenâ€™t as serious (reflux disease, gallbladder disease, joint and muscle disease). However, this is the job of the Emergency Room physicians to determine.Here is what most people forget: the treatment starts once the Emergency Medical personnel arrive. They can get you oxygen, aspirin, and other medications that may be indicated. They can look at your heart rhythm. They can communicate directly with the doctors at the Emergency Room. If you truly are having a heart attack, timing is everything. The saying is â€œTime is muscle:â€ the more time that goes by without enough oxygen to the heart muscle, the more muscle that dies. There are some patients who need to have a procedure right away to open one or more of the arteries in their heart. This procedure is done in the cardiac catheterization lab (cath lab). If you are one of the patients who are having this type of heart attack, it is the goal of the doctors treating you to have you in the cath lab in less than 90 minutes. Your chances of getting your treatment this quickly are much higher if you call an ambulance.So, if there is even a remote possibility that you may be having a heart attack, pick up the phone and call 911. Donâ€™t even think twice about it. So, if there is even a remote possibility that you may be having a heart attack, pick up the phone and call 911. Donâ€™t even think twice about it.
If you hold a credit card you’ve probably noticed that you rates have increased. That’s in anticipation of legislation signed May 22nd that became effective August 20th. Regulations are phased in and the final portions take effect February 22, 2010.Wonder how your increased rate compares with others? According to the Washington Post Pew researches reviewed the lowest advertised rates of nearly 400 credit cards and found that they rose two percentage points, a 20 percent increase, since December. 45 day notice- for rate hike or other significant changes- you can decline the rate hike and pay off the card. Any new charges to the card would be at the new rate. Old requirement was 15 days notice. Bills arrive – the old rule was 14 days until the bill was due, the new rule is 21 days Rate increase for late payment AFTER 60 days instead of effective immediately and must be lowered after 6 months of paying on time. Under 21- Co-signers for those under age 21- and credit card companies on college campususes must disclose agreements with those schools and no ‘free gifts’ for signing up. Other inclusions: Bill will indicate when the balance will be paid off at the present rate. Payments will be applied to highest rate balances- such as a cash advance. Citations:
Cranberry Apple Stuffed Pork ChopsServes 2Ingredients:12 oz. boneless pork, cut into chops at least 1â€ thick2 teaspoons onion, mincedÂ½ cup apple, dicedÂ¼ cup celery, dicedÂ½ cup apple juiceÂ½ cup cranberry juice1 Â½ teaspoons cornstarch2 Â½ teaspoons brown sugarÂ¼ teaspoon black pepperDirections:Combine apple, celery and onion in a bowl and mix well. Set aside. Carefully slice the pork chops lengthwise going down the center. Do not cut it completely in half, slice it about 3/4 of the way down the pork chop so you create a pocket. Stuff each chop with about 3 teaspoons of the apple mixture. In another bowl, combine apple juice, cranberry juice, brown sugar, pepper and cornstarch. In a frying pan, melt 1 tablespoon of butter over medium-high heat, add pork chops and brown for about 5-7 minutes on each side. Reduce heat to low then add juice mixture. Cover and simmer until sauce thickens and pork chops are cooked to your desired doneness.
Why going back to school is good for businessItâ€™s that time of the year again — back to school time! If youâ€™re currently in business or considering starting a business now is a great time for you to head back to school! Like anything your chances for success in business can be greatly improved with education. Here are five other reasons why going to school is good for business.One – Small businesses classes can teach you specific things you need to know to successfully start and run a business.Two – By taking a class you can more easily figure out what parts of your business you do well and what parts you should have others do for you.Three – Youâ€™ll meet small business experts and service providers who can become great resources for you going forward.Four – Speaking of resources – small business classes are a great way to learn about the many resources and programs that exist to assist small businesses.Five – By attending classes youâ€™ll meet and network with other like minded individuals.To find a class near you check with your local Chamber of Commerce, economic development agencies, colleges and universities and this website www.mainebusinessworks.comSo grab your lunch box and get back to school!Iâ€™m Deb Neuman for WABI TV 5 News
By- Dr. Jonathan WoodFrench friesMozzarella sticksHot dogsSpaghetti with red saucePB & JMac and cheeseChicken fingersGrilled CheeseSound familiar? Pick any five of the above and you have the classic all-American Kids’ Menu! And increasingly, this is not just a restaurant menu: it’s the home menu as well!Why do we expect so little from children when it comes to eating?Why are their choices so few and so boring?Why so unhealthy? Where are the fruits? Vegetables? Complex carbohydrates?Do we precondition children to this at an early age?And then continually reinforce it over the course of their early years?Does this stunt their taste buds? What about their culinary imagination and adventurousness?Bottom line:Where is the fresh fish?Where are the beans or broccoli?Where is the grilled teriyaki chicken?Where is the tabbouleh or hummus?Does all the above encourage an unhealthy diet in later childhood, adolescence, and adulthood, one that contributes to obesity and promotes certain diseases and cancers? The definitive answer to this question is difficult to pin down, but the logical answer is “yes”!We are programmed to want sweet high energy food from the time we are born. Breast milk fits the bill and we add to the sweet and fatty selections throughout infancy and childhood. The taste for salt is active by 6 month and we continue to feed that desire through our entire life. Bitter foods (e.g. spinach) typically require repeated exposure in order for one to develop a desire for the taste. In order for children to develop a taste for some of the more “difficult” flavors, it (1) takes time and patience and (2) is easier if it is done early in childhood.Americans are busy people (too busy?) and increasingly have less time for meal preparation. Furthermore, as parents we seem programmed to worrying about our children starving themselves. They won’t! If presented with healthy food, children will eat it. If we worry about their rejected choices and immediately substitute with one of those sweet or fatty or salty foods that we know they will eat, we may feel better. But they will ultimately suffer. Your kids may miss the opportunity to develop tastes for more healthy foods and be destined to look for and get the Kids’ Menu throughout childhood.Soooooâ€¦How can we combat this?How can we change the fact that the most common vegetable eaten by toddlers is French fries?How do we capitalize on the fact that what children eat in the first 2 years of life is a strong predictor or whether they are eating fruits and vegetables at age 10?Make a point of repeatedly offering young children a variety of foods.Start early with fruits and vegetable as snacks – – establish good habits and life will be much easier down the line.Be patient – – don’t rush to replace good stuff on their plate with just any calories. Children will NOT starve themselves!Don’t focus on “it’s good for you”. Simply tell them “this is what’s for dinner”.Make it a family affair – – choose a good balanced menu and don’t “dumb down” the choices for the younger kids.Don’t go cold-turkey on the tasty “unhealthy” stuff – – research also shows that kids may well overindulge later on the “forbidden delights”Avoid the Kids Menu! If you go to a restaurant, inquire about small portions of the adult selections. Or let the kids order some healthy choices from the appetizer menu.Finally, consider offering some exciting or even exotic choices to kids early on. Challenge those developing taste buds and you may provide them with the inclination to stretch their diet down the line. The more they have experienced as kids, the more desirable options they will likely have for a healthy diet as adults.Some books to consider if interested in further reading:Hungry Monkey: A Food-Loving Father’s Quest to Raise an Adventurous Eater by Matthew Anster-Burton (Houghton Mifflin)The Gastokid Cookbood: Feeding a Foodie in a Fast-Food WorldBy Hugh Garvey and Matthew Yeomans (Wiley)My Two-Year-Old Eats Octopus: Raising Children Who Love to Eat EverythingBy Nancy Tringali Piho (Bull Publishing) (due in November 2009)
By- Marion SyversonÂ Berenstein Bears â€“ â€œTrouble with Moneyâ€, â€œDollars and Senseâ€ and â€œThink of Those in Needâ€ are three of the Berenstein Bears series of books that teach children (suggested ages 4- 8) about a variety of ways to understand the topic of money. Those familiar with theÂ series may know that other titlesÂ such as â€œThe Trouble with Choresâ€, may also tie into the money lesson.Â Cat in the Hat- This series called The Cat in the Hat Learning Series includes the title, â€œOne Cent, Two Cents, Old Cent, New Centâ€ (suggested ages 4-8) Â and explains the history of money, bartering, currencies, banking and paying interest.Â The Everything Kids Money Book- For ages 9-12 this book with games and simple graphics, explains a plethora of money subjects such as minting coins, coin collecting, banks, interest, allowances, borrowing, practicing charity andÂ how toÂ shopping a sale.Â Since books of this kind are generally not big sellers local outlets seldom have them readily available. But they can easily be ordered.Â Disclosure:Only securities and advisory services offered through Wall Street Financial Group, Inc. Registered Investment Advisor. Member FINRA/SIPC. Norumbega Financial and Wall Street Financial Group, Inc., are separate entities, independently owned and operated.
Fruit SmoothiesA great way to start your day—-.Must have a blender!Variety of ingredients:Fruit: banana, strawberries, blueberries, raspberries, cantaloupe, mango, peaches, pineapple. Juice (anything but tomato) Please BEWARE of sugared juicesâ€”high fructose is bad!Yogurtâ€”makes it creamy—use plain!!!!Any one or all of the above is great. Add all ingredients to blender. Blend, pour, drinkâ€¦done!Use remaining in popsicle molds and for snacks.
On a recent vacation I was shopping downtown and made a purchase at a retail store. When I checked out the owner gave me a coupon for 10 % off several other downtown businesses and suggested why they were great places to visit. It worked! I went right next door and enjoyed a great lunch for 10% off and visited a gallery I hadn’t planned to visit! This practice of businesses sending customers to each other is called Fusion marketing. Here are tips for making fusion marketing work for youâ€¦One – Identify businesses that share the same customers as you but who aren’t in the same business as you. Examples include stores, restaurants and museums partnering, landscapers with builders, wedding photographers with florists and so on. Two – Determine what each participating business will offer the customers.Three – Write up a simple agreement between the partnering businesses that states what role each will play and what they will offer.Four – Develop marketing materials to promote the program benefits to customers.Five – Combine customer mailing lists with your partners and get the word out via email, the web, word of mouth and flyers.In today’s economy fusion marketing is a great way to work collaboratively with other businesses to bring business to both your doors at little or no cost.Try it and see what happens!I’m Deb Neuman for WABI TV5 News
By- Dr. Erik SteeleAbout one-third of the adult U.S. population — more than 50 million people — take aspirin to prevent heart disease.But doctors are quick to point out that the century-old drug is a double-edged sword. Although aspirin can fight blood clots that can cause heart attacks and strokes, high doses can increase the risk of bleeding. This can lead to gastrointestinal bleeding and strokes caused by bleeding, known as hemorrhagic strokes.But a daily aspirin regimen isn’t healthy for everyone, and doctors say people should take more care when they decide to self-prescribe. They say it’s important to take aspirin daily only in consultation with a doctor or other health care provider.Self-prescribing a daily aspirin regimen is unwise and widespread.General guidelines call for men ages 45 to 79 and women ages 55 to 79 to take aspirin if benefits, such as preventing heart attacks or strokes, outweigh possible problems, such as gastrointestinal bleeding,. Health.com: Should I take aspirin against heart attacks?And while taking an aspirin in the event of chest pain is widely accepted to limit a heart attack, taking an extra aspirin with the onset of stroke-like symptoms can worsen a stroke if it causes bleeding into the area of the brain experiencing the acute stroke.Another reason against self-prescription of aspirin is that for many people, the drug has very little effect.It may be that up to 20 percent of people who take aspirin don’t benefit from it at all, according to research by Dr. Francis Gengo of the Dent Neurologic Institute, and the University at Buffalo, State University of New York.Being resistant to aspirin makes patients four times more likely to suffer a heart attack or stroke or even die from a pre-existing heart condition, compared with nonresistant patients. Health.com: Heart attack risk calculatorSome self-prescribers may be unaware of how aspirin interacts with over-the-counter supplements and herbal remedies. Saint John’s wort has some anti-clotting effects and it may exacerbate the risk of dangerous bleeding if taken along with aspirin.Other patients may forget to take their aspirin, and in some patients, aspirin isn’t absorbed into the bloodstream well. Doctors can use a test to see how well aspirin is being absorbed.”The mechanisms for aspirin resistance are varied, and they’re not really very well understood,” Gengo said. Possible factors include genetic differences, effects of other diseases and blood flow around abnormally narrow vessels. “It can be a whole array of things,” he said.Doctors say that more study is needed on the effects of aspirin and other anti-platelet drugs such as the highly prescribed Plavix. As 20 percent of the U.S. population is expected to be above 65 years old by 2030, finding new ways to combat the risk of heart attacks and strokes could have widespread benefits.
When I was a kid and the family would drive by a school- any school- I would hold my breathe until we’d pass it. It wasn’t learning that bugged me, it was the routine of school. But it’s getting to be that time again: time for school shopping. We’ve talked before about helping kids learn about money by giving them budget information so they can take an active role in making purchasing decisions. They will also learn about every family’s finite school budget. Don’t think they will be traumatized by the information. They will be empowered and will prioritize what item of clothing or technology really deserves a higher level of expenditure. Spending is becoming the activity of choice among kids- Born to Buy, by Juliet B. Schor, compiles some alarming trends with kids and shopping. American kids, according to Schor, believe ‘that their clothes and brands describe who they are and define their social status.’ She goes on to state that, ‘Children’s social worlds are increasingly constructed around consuming.’ (Emphasis mine.) Schor cites data compiled in 1997 showing how kids spend their time. Kids – ages 6 – teens- spend about 2.5 hours shopping per week. That is many times what they spend per week in art, talking to family, reading, outdoors, and studying. It is also more time than they spend in religious activities. (Younger children spend even more time shopping.) Kids might know a lot about stores and ‘cool brands’ but they have little idea on how much money is available for school shopping and how that compares to the long list of things they want. Just a reminder, don’t take any griping about the size of the shopping budget as a personal insult. Kids may whine about a lot of things, it doesn’t mean anything personal. Here are a few ideas for helping kids learn about money during school shopping trips: Have a shopping strategy- talk about the size of the budget before you head out to the stores. Use the internet or store fliers to get an idea of the prices of hoped-for items. Prioritize- How many outfits can be made from the separates you’re planning – or thinking- of buying? Go to the library, or check the internet, or have a fun day with friends making new outfits from just a few pieces of clothing. Be Sensitive- It is the culture of kids to feel that their WORTH comes from the brand. It is not correct that they feel this way, but they feel this way regardless. Help them know that their worth is intrinsic. Juliet B. Schor, Born to Buy, page 13 Schor, pg.11Schor, pg. 30 Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.com