I recently received a question from a client about tools to help her daughter figure out her budget. Here are some online tools to help. Mint- is a popular, free tool that links your investments with your checking accounts and bills to help you see how you are doing on spending and savings goals. The service is free because sponsors pay for the privilege of selling you on a cheaper mortgage, higher interest rate savings account, etc. Those sponsors don’t have direct access to your info, but Mint interacts with you on their behalf suggesting cheaper loans. The service is free and confidential. Buxfer – also free and a direct competitor with Mint, Buxfer has a secret storage place using Google to help you feel even safer. It does the same things with some interesting add-ons such as Twitter and is also iPhone accessible. There are several other online services available as well as Excel-compatible programs. Not much work to have a good vision of your finances. Being organized saves money! Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.com
Stuffed Burgers1 lb 90% lean ground beefStuffingâ€™s can vary depending on preference Greek: chopped spinach, feta, red bell pepper Mexican: cheddar, salsa, chilies American: SautÃ©ed mushrooms, onions, cheeseForm beef into the size of a tennis ballMake a crater in the centerFill with stuffingPress beef over stuffing DO NOT press the burger downSeason with coarse sea salt and fresh ground pepperGrill topside first on HOT grill for 2-3 minutes—this is to seal the juices in the burger.Flip and continue for 2 minutes on high, turn down to medium and cook for 2-5 minutes more depending on wellness desired.Serve hot with bun—no toppings needed because the flavor is in the burger!
There is one four letter word that every entrepreneur is familiar with – that word is risk!The key to success as an entrepreneur isn’t necessarily having a high risk tolerance – it’s more about having confidence in your ability to manage risk and being flexible enough to handle challenges. To assess your ability to manage the risk associated with starting or expanding a business ask yourself these 5 questions.One – Are you confident your business will succeed? Have you conducted the research necessary to determine if a market exists and that you can you compete with your competition? Two – Are you able to adapt to change and persevere if things don’t go exactly as planned? Three – What do you stand to lose if the business fails and are you willing to risk that? This could include money, personal and business assets, even relationships.Four – If you have a family, consider how they will tolerate the risk and challenges associated with operating a business.Five – Does taking risk thrill you or scare you to death. If you know it will keep you up at night with worry – you might want to reconsider.Risk can be a very good thing. Great rewards can come to those who take risks. Keep in mind that most successful entrepreneurs take calculated risks not foolish ones. I’m Deb Neuman for WABI TV 5 News
By- Dr. Joan Marie PelligriniWe’ve all heard that sodas are bad for you. Most of us just don’t believe that a few sodas a day or a week are going to cause a problem. It is true that it is hard to make the connection between a few sodas and tooth decay and bone loss. The studies that support this hypothesis have focused on participants whose fluid intake each day was in the form of soda. However, the more real concern for all of us is the hidden and “empty” (meaning no other nutritional value) calories that are in soda drinks. It is estimated that at least 7% of Americans’ extra calorie intake is due to soda drinks alone. There are many foods that are not helping Americans’ fight with obesity but soda drinks are probably the most ubiquitous. How long does it take to go through your day before you are either offered a soda or see someone drinking soda? I want to focus on the relationship of the extra calories in soda and weight gain.It is estimated that it takes about 3500 extra calories to gain a pound. Most soda drinks have about 30 grams of sugar per serving. A serving size for a drink is 8 ounces. A gram of sugar has 4 calories. That means that each serving of soda has 120 calories due to sugar alone. Add to this that very few sodas come in an 8 ounce serving size. Most are sold as 12-20 ounces. That means that each 12 ounce bottle or can has approximately 180 calories (or 240 calories for a 16 ounce bottle). Let’s say you drink one 12 ounce serving of soda a day and you do not increase your activity level (in other words, you are not burning any of these extra calories). That would be 180 calories extra per day, 1260 calories a week, and 5040 calories a month. You would gain over a pound a month and as much as 12-20 pounds a year. These are hidden calories that you are completely unaware of consuming. Children are even more unaware because they do not usually consider the number of calories they are consuming.You are not going to find me telling anyone not to drink soda. I do, however, want soda-consumers to be aware of the hidden calories. Limit your intake. Increase your activity level. Think of soda as a dessert or sweet and forgo something else with “empty” calories at the same time. We need to teach our children also that soda is an “extra”. It is not the best means for hydration. It is because of the extra calories and the rise in childhood obesity that educators wish to limit access to sodas in our public school system. Adults also can learn from this message.
PizzaCrust:Boboli crust—mini or large or fresh pizza dough from the deli sectionSauces:Tomato sauceSalsaAlfredoPestoToppings:Spinachâ€”choppedBell peppers-choppedAvocadoOlivesSquash-shreddedCarrots-shreddedChickenPineapple*****anything that is fresh****Cheeses:MozzarellaCheddarFetaGoatSmoked GoudaPepper jack***Try to introduce new ideas aside from the regular option. ***Assemble pizza as you like then bake according package directions.
Many businesses in Maine are doing business internationally. If you are planning to travel overseas to conduct business there are things you should know and do to insure that your business trip will be a successful one. According to my friends at the Maine International Trade Center here are some things to know before you go First – what is considered appropriate business attire in the country you plan to visit? You don’t want to show up wearing khakis and a shirt in a country where appropriate business attire is a suit and tie. What is considered a proper greeting in the country you will be visiting? Handshakes are universally acceptable but touching is not. While a friendly pat on the back may be acceptable in the US it may be considered a violation of personal space in other countries.Don’t assume or be presumptuous in thinking that everyone speaks English. Take the time to learn some words and phrases in the language of the country you are visiting. Your hosts won’t expect you to master their language but you will win their respect for making the effort.Another great business tip for traveling overseas is to create a business card with your contact information in English on one side and in the language of the country you will be visiting on the other and present the card with the language spoken facing your recipient.For more tips and advice when doing business internationally – contact the Maine International Trade Center at www.mitc.comI’m Deb Neuman for WABI TV 5 News
By- Dr. Amy MoviusThe necktie, despite having no practical use, has been a symbol of (male)professionalism and power for centuries.Â Male physicians who sport ties, along with the ubiquitous white coats, instill increased confidence in their patients, especially those of an older generation.Â Another common thread (pardon the pun) between white coats and neckties is that they are rarely – maybe never for ties – laundered. Professionalism for its own sake has value but it is becoming less clear if this â€œcuts the mustardâ€ for white coats and neckties as the problem of hospital acquired(nosocomial) and resistant infection grows.Â Â In Britain and Scotland, the answer to this is a resoundingÂ â€œnoâ€ as both countries have recently instituted dress codes banning white coats and neckties and other â€œfunctionless clothingâ€.Â In addition, Britain has a â€œbare below the elbowsâ€ policy and Scotland is providing shortsleeveÂ tunics to all health care workers.Â The reasons are simple and easily understood.Â Clothing and accessories travel between patients on health care workers.Â Patients may have infections or be especially susceptible to them because of their medical condition.Â Pathogenic bacteria â€“ i.e.Â bacteria responsible for infections – can â€œhitch a rideâ€ on the clothing or other items medical staff carry with them, much as they can be transmitted by unwashed hands.Â Â Items such as neckties and lanyards also tend to hang or swing directly in front of patientâ€™s faces during examinations.Â Not incidentally, these two items arenâ€™t typically washed. Though there is no direct evidence of patient illness being transmitted in this way, there is a great deal of evidence suggesting it is more than possible.Â Â Contamination of long sleeve/coat cuffs, neckties, lanyards, ID badges, and even nurses caps has been investigated.Â A wide variety of bacteria have been cultured from all of them, including resistant strains.Â If cleaning these items between patients were as easy as, say, washing your hands, the demise of the iconic white coat and tie for doctors might not be up for consideration.Â The American Medical Association has not thus far mandated any specific change.Â However, the AMA has its eye on the issue and did make a statement in June of this year that they â€œadvocate for the adoption of hospital guidelines for dress codes that minimize transmission of nosocomial intections, particularly in critical and intensive care unitsâ€.Â With this in mind, donâ€™t be surprised if your health care provider starts looking less like Marcus Welby MD, and more like Zach BraffÂ from SCRUBS.Â Its all in the name of good medicine.
Broccoli Ale Cheddar SoupIngredients:(Mirepoix)8oz. diced onion/celeryÂ½ lb. butterflour as needed2 quarts vegetables stockcarrotsbroccoli8 oz. beer1 Â½ lbs. cheddar cheese1 teaspoon dry mustard1 tablespoon hot sauce1 tablespoon worcestershire1 teaspoon white pepper1 tablespoon salt1 quart heavy creamDirections:1.Steam broccoli and carrots for 1 minute.2.In a separate pot, heat vegetable stock. 3.In another pot, combine diced celery and onion, butter. Add flour gradually to thicken to make mirepoix. 4.Gradually add stock to mirepoix and whisk to make smooth.5.Add most of beer and bring to a slight boil.6.Add cheese slowly and whisk to make smooth.7.Add hot sauce, Worcestershire, salt and pepper.8.Mix rest of beer with dry mustard and add to soup.9.Add heavy cream.10.Add broccoli and carrots to soup. Gently stir to incorporate.11.Serve and enjoy!
EVALUATING A BUSINESS IDEA:I got a call a call from a viewer asking me to help him decide which business he should start. He had about ten very different ideas and hoped I would instantly know which one he should pick. My answer to him was I can’t tell you that but I can tell you how you can decide that for yourself.And here’s howâ€¦First of all narrow down the business ideas to those that you are the most excited and passionate about. Be sure you understand all of the duties and responsibilities required to successfully run the business and decide if it’s something you really want to do. Next ask yourself which idea is the most feasible. How much money will it take to start up and do you have it or can you access it? What skills are necessary to run the business and do you possess those skills or can you acquire them? Do you have or can you find the right location suitable for your business idea?Third and really the most important question to ask yourself when evaluating a business idea is this – is there a market? Will people pay you money for the product or service you will offer. You also need to determine if the business can be profitable by estimating your expenses and projected revenues.Having many great ideas for a new business is a very good thing but it can be challenging too. By applying these questions to your ideas you can better determine which idea is the one most likely to bring you success!I’m Deb Neuman for WABI TV 5 News
Every now and then, we all wonder what it would be like to switch jobs and try something else.Amy Erickson’s been giving it a try lately.This month, at the suggestion of viewers, she put on her boots and went down on the farm.She has more in “Take This Job and Love It.”Justin Veazie is my boss for the day at Veazland Farms in Corinna.Justin’s a fourth-generation dairy farmer…and he’s convinced he can teach me to milk with the best of them.”It’s not bad. I think you can do it. Alright. But it’s kind of a dirty job? Yeah, they poop in there and pee in there and it splatters on the floor. Do you ever get kicked? Yeah, you can. Some of them do.”Not exactly what I wanted to hear, but I head in to the milking parlor to get started.”8 cows on each side will come in. You’ll pre-dip a cow, wipe her teats, put the milker on there.”As luck would have it, just as I’m getting my lesson…”Oh! (runs away) She just peed on me! Told you you were going to get peed or pooped on!”After two more cows christened me, it was back to milking.First, the iodine spray, then a wipedown…then I have to squeeze a little milk by hand to make sure it looks okay.(Squirts milk from teat) “Ah, I did it! Nice! I’ve always wanted to do that, actually.”Then it’s time to attach the milker.”Yhis one already peed, right? Yeah, just watch out for poop. Just press it like this. Get all 4. There you go.”bite 6:18 “just like a pro. Hey, how about that?! You did it.”I milk half a dozen cows in all…then send them on their way back to the barn.”Hey, good work ladies. Thanks for the milk.”I’m feeling pretty good about farm life until Justin tells me about his other job on the farm.He artificially inseminates the cows…by hand.”So you call it breeding? Yeah, artificially inseminating. Can I pay you to get out of doing that today? That’d be nice, yeah!”Justin takes pity on me and lets me bottle-feed a day-old calf instead.”Come here baby, come here! Ready?! Oops, sorry, I got your eye! Alright, calf.””Jeez…a baby is way easier! Yeah.”My final assignment for the day? Learn how to drive this tractor.Yikes.”Hop in. These tires are as big as me!(climbs in)””Just let out on the clutch. You won’t stall it or anything. You have a lot of faith in me! Oh, yeah. I think you can do it.”And I did…but not without a few bumps…”Oh, I’m going to turn it around? (bump) Oh, my God! Ok, you can stop. Clutch.”The ultimate test was backing it into its spot…somehow, I did it, and the tractor is no worse for the wear.”I can’t believe I did that. I can’t believe I just drove a tractor and backed it in. This is pretty cool. You did a good job.””How do you think I did? I think you did good. Milking went well, calf feeding went real well. What do I need to work on? In general? In general. I don’t know, I think you did good. Yeah? Yeah. So I could’ve been a farm girl in another life? We could get you trained, yup.”Amy’s always looking for suggestions for her next job swap.If you have an idea, email her at AErickson@wabi.tv
By Dr. David PrescottEating Disorders are More Common than You Think: Eating Disorders, which include anorexia nervosa, bulimia, and binge eating disorder, are estimated to impact about 10 million people in the United States. While this statistic looks even more significant when contrasted to other significant conditions. For example, the number of people with eating disorders is close to 5 times the number of people with schizophrenia (around 2.2 million) and more than twice the number of people with Alzheimer’s disease (around 4.5 million). Thus, eating disorders touch the lives of many, many people in your city, town, or community. Another alarming statistic: anorexia nervosa has the highest premature death rate of any psychiatric disorder. However, some good news: while treatment for anorexia may take several years, treatment outcomes over the long run are generally better than other conditions relating to weight, such as treatment for obesity. What are the Types of Eating Disorders? There are three major types of eating disorders. Anorexia Nervosa involves having a distorted body image where a person sees themselves as overweight even when they are dangerously thin. People with anorexia have an intense fear of gaining weight, and often develop unusual habits such as refusing to eat around other people. Anorexia usually occurs in women, and is often accompanied by infrequent or absent menstrual periods. Bulimia Nervosa involves eating excessive quantities of food, sometimes in secret, then trying to purge the body of the food and calories by using laxatives, vomiting, exercising or diuretics. People with bulimia nervosa usually feel ashamed and disgusted as they binge, yet also feel relieved of tension once the binge-purge cycle is complete. Binge Eating Disorder involves frequent episodes of excessive, out-of-control eating. However, there is no attempt to purge the body of excess calories. How do I know if I am at risk for an Eating Disorder? Obviously, the determination of when concerns with food, eating and body image cross the line from “normal concern” to “psychological problem” varies from person to person. However, if you answer “yes” to any of the following questions, it may suggest that you are at risk for an eating disorder: Are you constantly preoccupied with weight and intense fear of becoming fat?Do you believe that your body weight needs to be below what is recommended by physician or dietician? If you are a woman, have you skipped or stopped a menstrual period when you were losing weight? Do you frequently feel out of control when you eat? How much of your eating is secretive or hidden from others? Have you tried, or strongly considered, trying to lose weight by vomiting, using laxatives, or exercising according to how much you eat? What Causes Eating Disorders? Many people believe that American society is largely to blame for the high rate of eating disorders, since we emphasize thinness and appearance to an extreme degree. Adolescent and young women account for 90 percent of eating disorder cases according to the National Institute of Mental Health. Other factors which appear to play a role include: Personality traits like low self-esteem, perfectionism, or feeling helpless. Family relationships that involve excessive teasing about appearance, or excessive emphasis on dieting or controlling food intake. Other psychological disorders like depression, anxiety disorders, or substance abuse. It is important to understand eating disorders as a treatable psychological disorder, rather than a failure of will or lack of behavioral control. Is Treatment for Eating Disorders Necessary? The sooner that treatment starts for an eating disorder, the easier it is to treat. Eating disorders don’t usually go away by themselves. And, if left untreated, eating disorders can cause serious physical problems (like anemia, tooth decay, and hair and bone loss) as well as severe emotional distress, getting help is vitally important. Treatment often involves working with a licensed psychologist or therapist, dietician, and physician. Where else can I find help? Information about eating disorders is available at:Â· American Psychological Association (www.apa.org)Â· National Institute of Mental Health (www.nimh.nih.gov)Â· National Eating Disorders Association (www.nationaleatingdisorders.org)Information about mental health and substance abuse, including eating disorders is available at: Â· Acadia Hospital – 1-800-640-1211 or www.acadiahospital.org
Jobs- Increasing unemployment numbers continue to weigh on markets and on employers. Even if business is good for us we perceive news reports as more indicative of how things are really going. Unemployment figures are lagging indicators, which means that even as other areas of the economy recover job losses may continue to rise. Oil- Oil prices which had gotten a bit over $70 a barrel dropped to below $65 a barrel because of concerns that if folks are out of work they won’t travel as much, there will be a lower demand for oil. That matters to us as consumers, because we like low oil prices. But local employers, such as Cianbro, who are developing oil refinery rigs, have potentially more work when oil prices are higher and the risk of development is rewarded with higher profits. Housing – Figures for Maine are mixed with May sales for Penobscot county up. Figures statewide show sales over a three-month period declining. Prices also continue to drop but they are down by 12% over March, April and May. What does it all mean? Things aren’t great, but they aren’t continuing to nosedive. They seem to be more stable. Be cautious and steady in your finances. Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.com
Spinach DipIngredients:1 tablespoon minced garlic1 8oz. package of fresh baby spinach1 teaspoon vegetable oil1 lb. cream cheese1 cup grated parmesan5 oz. sour cream1 8oz. can of artichoke hearts, drained and choppedsalt and pepper to tasteDirections:In a large sautÃ© pan, heat garlic and oil over medium heat. Add half of the spinach and stir. Add the softened cream cheese and stir. When the cream cheese melts, add the remaining spinach and parmesan cheese. Stir until mixture begins to melt. Next add sour cream and sprinkle with salt and pepper. Continue to stir ingredients until well mixed. Remove from heat. Pour mixture into a food processor and mix briefly at medium speed. Pour dip into a casserole dish and add artichokes.If dip is made for immediate serving, keep at room temperature. If the dip is made for a later date, it can be refrigerated and then reheated in the oven for 10-15 minutes at 350Â°. Serve with tortilla chips, toasted focaccia points or any of your favorite vegetables.
-By Dr. Jonathan WoodWhat can we do?On average, children and adolescents spend more than 6 hours a day with media – more time than in formal classroom instruction. In addition, parental monitoring of media use is extremely difficult and US youth have unprecedented access to it: two-thirds have a television set in their bedroomshalf have a VCR or DVD playerhalf have a video game consolealmost one-third have Internet access or a computer.It is now clear that media has an influence on a variety of health issues, such as sex, drugs, aggressive behavior, obesity, eating disorders, and suicide. While the media are not the leading cause of any pediatric health problem in the United States, they do make a substantial contribution to many health problems, including the following:Violence Research on media violence and its relationship to real-life aggression is substantial and convincing. Young persons learn their attitudes about violence at a very young age and, once learned, those attitudes are difficult to modify. Conservative estimates are that mediaviolence may be associated with 10% of real-life violence. Office counseling about media violence and guns could reduce violence exposure for an estimated 800 000 children per year.Sex Several longitudinal studies have linked exposure to sex in the media to earlier onset of sexual intercourse, and 8 studies have documented that giving adolescents access to condoms does not lead to earlier sexual activity. The media represent an important access point for birth control information for youth: however, the major networks continue to balk at airing contraception advertisements at the same time they are airing unprecedented amounts of sexual situations and innuendoes in their prime-time programs.Drugs Witnessing smoking scenes in movies may be the leading factor associated with smoking initiation among youth. In addition, young persons can be heavily influenced by alcohol and cigarette advertising. More than $20 billion a year is spent in the United States on advertising cigarettes ($13 billion), alcohol ($5 billion), and prescription drugs ($4 billion).Obesity Media use is implicated in the current epidemic of obesity worldwide, but it is unclear how. Children and adolescents view an estimated 7500 food advertisements per year, most of which are for junk food or fast food. Contributing factors to obesity may include that watching television changes eating habits and media use displaces more active physical pursuits.Eating Disorders The media are a major contributor to the formation of an adolescentâ€™s body self-image. In Fiji, a naturalistic study of teenaged girls found that the prevalence of eating disorders increased dramatically after the introduction of American TV programs. At the same time, clinicians need to recognize the extraordinary positive power of the media. Antiviolence attitudes, empathy, cooperation, tolerance toward individuals of other races and ethnicities, respect for older people – the media can be powerfully pro-social. Media can also be used constructively in the classroom in ways that are better than traditional textbooks. For instance, middle school students are often assigned to read Romeo and Juliet as their first exposure to Shakespeare. Might it not be more effective, given that Shakespeare wrote hisplays to be observed and not to be read, to watch one of the at least 10 different versions available on DVD? Reading Civil War history using a textbook pales in comparison to watching a TV documentary bring history to life. What could be a more entertaining way to teach highschool physics than using episodes of Mythbusters? In addition, no drug or sex education program is complete without a media component.A kinder, gentler, more responsive public media would be nice but is unlikely. Hollywood has been resistant to any outside criticism, the Motion Picture Association of America ratings have remained closed to scrutiny for decades, and the TV ratings are not understood by most parents. The Internet cannot be regulated. More graphic violence on TV shows and movies, more sexual suggestiveness in primetime shows, and more edgy advertising can be expected in the future. Easier access to media will occur as cell phones are used to download TV shows and movies, and soon a personal Internet device (about the size of a paperback book) will allow instant online access anytime and anywhere. Conclusion? The solution to childrenâ€™s exposure to inappropriate media cannot rely on its producers.So what can we do? How can parents, teachers, pediatricians work together to minimize the negative effects of media and at the same time celebrate the positive aspects?Broad based education of parents, teachers, and clinicians through PTA meetings, teacher in-service training, and conferences is necessary. Education of students about the media should be mandatory in schools. Parents have to change the way their children access the media:o not permitting TV sets or Internet connections in the childâ€™s bedroom. Research has clearly shown that media effects are magnified significantly when there is a TV set in the childâ€™s or adolescentâ€™s bedroomo limiting entertainment screen time to less than 2 hours per day, and o co-viewing with their children and adolescents. o PG-13 and R-rated movies need to be avoided â€“ the content is clearly inappropriate for young children.Clinicians need to ask 2 simple questions at routine visits. Is there a TV set or Internet connection in the bedroom?How many hours per day does the child or adolescent spend with a screen? The media is a powerful teacher of children and adolescents â€“ the only question is what are they learning and how can it be modified? When children and adolescents spend more time with media than they do in school or in any activity except for sleeping, much closer attention must be paid to the influence media has on them.
Here are some tips on creating a life that allows you Financial Independence! Marry a true partner- Peace at home and unity in making big decisions will simplify your life and save you money. Respect each other. Never be a bully. Being a bully means you are pushing through a decision that isn’t one that your loved one agrees with but you force it on them. Not good. Life’s not about the money- True happiness isn’t a life filled with possessions. True happiness is found in loving others. Stop collecting expensive things to fill your life. That means being smart about spending on your house, car, and other possessions. I have beautiful things, but I didn’t pay a lot for them. Debt- If you are not working to live, but because you HAVE to take a job you don’t like or one that has too much pressure just to pay your bills and debt, you’ll soon see the wisdom in having – or paying off your debt. Having lower expenses or less to no debt allows you to have a job that you enjoy. Start saving- Just the discipline of saving $5 a week will be rewarded. We’ve all read about folks with simple jobs who squirreled away small amounts of money that added up over time to provide a surprise inheritance. Monthly bills aren’t a stress-filled event when you live a bit more simply. Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.com
Chicken PiccataIngredients:2 boneless, skinless chicken breasts1 cup flour4 oz. vegetable oil, divided10 oz. pasta or rice, cooked according to directions1 tablespoon minced garlic1 tablespoon minced shallots1 tablespoon capers8 oz. dry white wine (Chablis recommended)1 oz. lemon juice6 pats butter, softenedDirections:Dredge chicken breasts in flour, shake off excess. Put in hot sautÃ© panwith 3 oz. oil. Sear chicken on both sides then bake in 350Â° to finish.While the chicken is baking, you can now start the sauce. In a smallsaucepan, heat 1 oz. of oil, add garlic, shallots, and capers until thegarlic aromatizes. Next add wine and lemon juice and let simmer untilreduced by two-thirds. When sauce is reduced, remove from heat and stir insoft butter. Pour sauce over rice or pasta and chicken and serve.
– By Dr. Erik SteeleA heart attack occurs when blood flow to a section of heart muscle becomes blocked. If the flow of blood isn’t restored quickly, the section of heart muscle becomes damaged from lack of oxygen and begins to die.Heart attack is a leading killer of both men and women in the United States. But fortunately, today there are excellent treatments for heart attack that can save lives and prevent disabilities. Treatment is most effective when started within 1 hour of the beginning of symptoms. If you think you or someone you’re with is having a heart attack, call 9-1-1 right away.Heart attacks occur most often as a result of a condition called coronary artery disease (CAD). In CAD, a fatty material called plaque builds up over many years on the inside walls of the coronary arteries (the arteries that supply blood and oxygen to your heart). Eventually, an area of plaque can rupture, causing a blood clot to form on the surface of the plaque. If the clot becomes large enough, it can mostly or completely block the flow of oxygen-rich blood to the part of the heart muscle fed by the artery. Heart With Muscle Damage and a Blocked ArteryDuring a heart attack, if the blockage in the coronary artery isn’t treated quickly, the heart muscle will begin to die and be replaced by scar tissue. This heart damage may not be obvious, or it may cause severe or long-lasting problems. Severe problems linked to heart attack can include heart failure and life-threatening arrhythmias (irregular heartbeats). Heart failure is a condition in which the heart can’t pump enough blood throughout the body. Ventricular fibrillation is a serious arrhythmia that can cause death if not treated quickly.Get Help QuicklyActing fast at the first sign of heart attack symptoms can save your life and limit damage to your heart. Treatment is most effective when started within 1 hour of the beginning of symptoms. The most common heart attack signs and symptoms are:Chest discomfort or pain-uncomfortable pressure, squeezing, fullness, or pain in the center of the chest that can be mild or strong. This discomfort or pain lasts more than a few minutes or goes away and comes back.Upper body discomfort in one or both arms, the back, neck, jaw, or stomach. Shortness of breath may occur with or before chest discomfort. Other signs include nausea (feeling sick to your stomach), vomiting, lightheadedness or fainting, or breaking out in a cold sweat. If you think you or someone you know may be having a heart attack:Call 9-1-1 within a few minutes-5 at the most-of the start of symptoms. If your symptoms stop completely in less than 5 minutes, still call your doctor. Only take an ambulance to the hospital. Going in a private car can delay treatment. Take a nitroglycerin pill if your doctor has prescribed this type of medicine. Each year, about 1.1 million people in the United States have heart attacks, and almost half of them die. CAD, which often results in a heart attack, is the leading killer of both men and women in the United States. Many more people could recover from heart attacks if they got help faster. Of the people who die from heart attacks, about half die within an hour of the first symptoms and before they reach the hospital.From 6/23/09The Organ Donation Process – By Dr. Joan PellegriniThere is extensive information available about how to become an organ and tissue donor. Most of us by now know that there are 100,000 people in the US waiting for a life-saving organ transplant. We even make it easy in the State of Maine by allowing you to designate yourself as a donor when you get or renew your driver’s license. However, there is almost no information out there about what this might mean for your loved ones if the time comes for them to be notified that you are a potential organ donor.The vast majority of organ donors sign a declaration card without knowing exactly what this will mean for their family and loved ones if in fact something tragic really does happen to them. I very much want everyone to be an organ donor but I also want donors and their families to be well-informed about the processes that will take place. Once you sign an organ donor card, please tell your family about your wishes. Then, tell them what might happen if you are a potential donor. Our local resource is the New England Organ Bank (www.neob.org or 800-446-6362). Their website does not have this type of information but you may call them with questions. Alternatively, you may print this page to help you discuss this with your family.Many of us think that if we are an organ donor, then our organs will be taken as soon as we die. Unfortunately, if your heart is not beating, then the doctors will not be able to use your organs. You may still be a bone and tissue donor though. In order for you to donate organs, your heart and lungs must still be alive in order to keep your organs alive.Most organ donors have had a sudden illness such as a stroke or heart attack or have been critically injured. If this were to happen to you, before approaching your family about donating your organs, the doctors usually first determine that your brain is dead and there is no chance for recovery. In order for your organs to be donated, the doctors and nurses must keep your heart and lungs alive on a breathing machine in the intensive care unit. Your illness or injury may not be visible and so you may look very much alive to your loved ones. Because you may look “OK”, the news will be even more difficult for your family to understand. Your family will be devastated by the bad news and this would be a terrible time for them to learn that you wish to be an organ donor in the event of your death.Organ donation does not happen immediately after it is determined that you are a potential donor. In fact, it may take 12-24 hours or even more. The reason for this is that the organ procurement organization (OPO) must review your medical history and do lab tests to look for reasons why they may not be able to use your organs. Some of these tests take hours for the results to come back. Also, some of these tests are actual procedures that take some time to be done (cardiac catheterization, bronchoscopy, tissue biopsies to name a few). Once your organs are found to be transplantable, the OPO must then match them to people on the waiting list who have your same blood type and tissue characteristics. Coordinating this effort takes time.Steps that you should take:Decide to be an organ and tissue donor.Let your family and loved ones know about your wishes.Tell your family that if something terrible were to happen to you, the doctors and nurses will help them to understand what is happening.If the medical team determines that your illness is likely nonsurviveable, they will discuss organ donation with your family.If you become an organ donor, the team will need several hours to coordinate this effort. The medical team will spend quite a bit of time with your family to help them understand the process.
- By Dr. Joan PellegriniThere is extensive information available about how to become an organ and tissue donor. Most of us by now know that there are 100,000 people in the US waiting for a life-saving organ transplant. We even make it easy in the State of Maine by allowing you to designate yourself as a donor when you get or renew your driver’s license. However, there is almost no information out there about what this might mean for your loved ones if the time comes for them to be notified that you are a potential organ donor.The vast majority of organ donors sign a declaration card without knowing exactly what this will mean for their family and loved ones if in fact something tragic really does happen to them. I very much want everyone to be an organ donor but I also want donors and their families to be well-informed about the processes that will take place. Once you sign an organ donor card, please tell your family about your wishes. Then, tell them what might happen if you are a potential donor. Our local resource is the New England Organ Bank (www.neob.org or 800-446-6362). Their website does not have this type of information but you may call them with questions. Alternatively, you may print this page to help you discuss this with your family.Many of us think that if we are an organ donor, then our organs will be taken as soon as we die. Unfortunately, if your heart is not beating, then the doctors will not be able to use your organs. You may still be a bone and tissue donor though. In order for you to donate organs, your heart and lungs must still be alive in order to keep your organs alive.Most organ donors have had a sudden illness such as a stroke or heart attack or have been critically injured. If this were to happen to you, before approaching your family about donating your organs, the doctors usually first determine that your brain is dead and there is no chance for recovery. In order for your organs to be donated, the doctors and nurses must keep your heart and lungs alive on a breathing machine in the intensive care unit. Your illness or injury may not be visible and so you may look very much alive to your loved ones. Because you may look “OK”, the news will be even more difficult for your family to understand. Your family will be devastated by the bad news and this would be a terrible time for them to learn that you wish to be an organ donor in the event of your death.Organ donation does not happen immediately after it is determined that you are a potential donor. In fact, it may take 12-24 hours or even more. The reason for this is that the organ procurement organization (OPO) must review your medical history and do lab tests to look for reasons why they may not be able to use your organs. Some of these tests take hours for the results to come back. Also, some of these tests are actual procedures that take some time to be done (cardiac catheterization, bronchoscopy, tissue biopsies to name a few). Once your organs are found to be transplantable, the OPO must then match them to people on the waiting list who have your same blood type and tissue characteristics. Coordinating this effort takes time.Steps that you should take:Decide to be an organ and tissue donor.Let your family and loved ones know about your wishes.Tell your family that if something terrible were to happen to you, the doctors and nurses will help them to understand what is happening.If the medical team determines that your illness is likely nonsurviveable, they will discuss organ donation with your family.If you become an organ donor, the team will need several hours to coordinate this effort. The medical team will spend quite a bit of time with your family to help them understand the process.
It’s likely that at this very moment – someone owes you money! I’m hearing from many business owners that one of their greatest challenges in today’s economy Is collecting receivables. Here are some tips to help you reduce your receivables and collect more of the money that is owed to you.One – Start by reviewing how much credit your business has extended to customers and how that’s impacting your cash flow. You may want to renegotiate some of your terms with existing customers and limit the credit you extend to new ones.Two – When offering discounts to customers who pay early write on the invoice the actual dollar amount they would save rather than a percentage. For example if you pay by September first you owe one hundred dollars – by September thirtieth one hundred and twenty dollars. Seeing actual dollar amounts greatly improves the chances your customers will pay you sooner rather than later.Three – Be willing to negotiate a payment arrangement with slow paying customers who are good customers. Collecting something is better than nothing and it creates goodwill with good customers who may be experiencing temporary cash flow set backs.Four – Bill often. Rather than billing once a month – establish a payment schedule with the customer from the beginning that’s based on certain milestones or deliverables and bill accordingly. Staggering your billing among many customers will help to improve your cash flow.And finally if you’re slow paying your bills because others are slow paying you contact the people you owe money to and discuss a way to resolve the situation. They’ll likely be more willing to work something out with you if reach out to them first.I’m Deb Neuman for WABI TV 5 News
I recently reread The Millionaire Women Next Door, by Ph. D. Thomas Stanley. Subtitled ‘The Many Journeys of Successful American Business Women’, the book compiles research on these women and their spending habits, as well as their views on work and family. It’s an interesting book. Here are the priorities that these women have developed. Perseverance – These women are intelligent but do not test at genius level. They ascribe their success to never giving up. They believe in persevering through every difficulty. Forgetfulness- By this I mean that millionaire women choose to let go of mistakes and wrongs done to them or by them. They purposely live in the present and discipline themselves to stay there. Family- Family is most important to millionaire women. They spend smaller amounts on themselves and often – not necessarily wisely- overspend on their children. They buy used cars for themselves, stay in their neighborhoods even while growing financially rich, but frequently support adult children. Charitable- These women average an annual donation amount, as a class, of about 7%, with many of them giving at least 10% of their earnings to charity. Millionaire women exceed millionaire men in the percentage of income that they donate to charity. These are traits that I think many of us may identify with easily and they show us how we may set financial priorities. Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.com