Things are heating up this month on this edition of Take This Job and Love It.Chelsey Anderson got to live out many little kid’s dreams.She had the opportunity to be firefighter-for-a-day at a car fire training in Hampden.————–Frank Hammond, Fire Instructor- “Welcome. You’ve hydrated.” “Yes.” I had had fire safety training with Frank Hammond the day before, but I still had to learn how to use my respirator.Frank- “Are you claustrophobic?” “No.” Frank- “I’ll find out if you are.” “Okay” (nervous laughter) Frank- “It won’t take long. We’ll find out.”So we did a quick test with my mask.”This is a great look I’m sure.” Frank-”Oh it is! I mean Darth Vadar is saying, ‘Hey! What are you doing tomorrow night.” (laughter)The good news: I’m not claustrophobic and I’m ready to suit up. “I’m super excited.”The bad news: firefighters are supposed to be dressed in one minute, and I just couldn’t do that. I couldn’t even get zipped or find my straps in a minute.Frank-”It weighs about 30 pounds.” “Okay.” Frank- “Riding alright?” “Whoa! That’s heavy!” Frank- “It throws off your center of balance.” “Yeah!”Now that we were suited up it was time to huddle up for a brief introduction.Fire Instructor- “Young lady reporter over there, Chelsey, is going to be playing with us today. We’re going to have three working companies. Level one station resource, you’ll be getting a little lecture in there. Second place is backup, watch the attack group, watch the igniter. Third place is attack.”I was starting on backup, but before we got to business we did an equipment and safety check.(nat alarm) Frank- “Shake. Shake. For pre-alarms if you don’t move someone will say, ‘Hey! Shake your butt!” Because the sensors are down low.”Then the call.Firefighter Instructor over the speaker- “Backup move in. Go igniter. Fire in the vehicle. Attack group, go get her.”I was amazed how fast this company had the fire knocked down. It was our turn on attack and I was hoping for the best.Frank-”Put your hand on top.” “And this one?” Frank- “Goes right there.”Firefighter Instructor over the speaker- “Fire in the vehicle. Attack, when you’re ready have at it.”My heart was racing.Frank- “Okay, go a little closer. Lean in. There you go. Watch your pipe opperator. You’re doing good. Stay with it. Stay on it. Watch what he’s doing.”I might look calm, but this was intense.Frank- “How you doing, okay?” “Yeah.” Frank- “You’re doing great.”The fire was knocked down in the first zone. Now we had to move to the front of the vehicle.Fire Instructor- “Swing hard. Swing hard.”Frank- “Stop right here.”A safety instructor checks the vehicle but the fire’s not extinguished. An instructor helps us come up with another plan of action.Right then I come to realize, I wish I was taller for this job. I had to stand on my tippy toes and I could only hold the hose with one hand. So, I’m not sure I was helping very much there.And time to clear the scene.Firefighter over the speaker- “We are clear of fire.””That’s a lot of pressure.” Frank- “What you’re feeling is nozzle reaction. When you get an angle like, that’s when it gets stronger.” (laughter) “I’m like, ‘Oh, no! I’m not tall enough!” (laughter)Frank- “You did a fantastic job.” “Thank you.” Frank- “You got right in there too.”My team was great, and I did my best, so would Frank hire me for the job?Frank- “Yes. Yes I would. And we’d put you through basic training. You can come out to Burlington Fire Department and Lincoln Fire Department anytime as far as I’m concerned. We’d put you right on and put you to work.”————————Chelsey says she never did figure out how to get her suit on or off by herself, so she’d have to practice a lot if she did decide to join a department.Chelsey would like to thank everyone who helped in training and on site, and to the Hermon Fire Department for lending their gear.If you have an idea for the next Take This Job and Love It email us: firstname.lastname@example.org
Why do you get a beer belly when you drink beer?By- Dr. Joan Marie PellegriniThere is nothing particularly special about beer that makes it cause a beer belly. A â€œbeer bellyâ€ is nothing more than just being overweight. Any type of extra calories will lead to a beer belly although it does seem that alcohol has a tendency to cause fat to accumulate around the midsection. Most people donâ€™t seem to notice the calories in a drink as much as they notice what they eat. A couple of beers will run you on average about 300 calories. But some beers can have as much as 200-300 calories per serving. Now add in the munchies that go along with a beer and you could easily be up to 600 calories or more. That is a dangerous trend when the caloric need of an average sedentary adult is only 2000 calories or less. In general, it takes an extra 3500 calories to store a pound of fat. If you eat your necessary calories each day and then add only one beer (average 150 calories) a day for a year, you will add 15 pounds to your waist if you donâ€™t offset with exercise. A â€œlightâ€ beer has less alcohol and therefore has less calories. However, even a light beer has about 75 calories. All beers have â€œemptyâ€ calories. This is a term that nutritionists use to label a food that does not offer any nutritional benefit such as protein, fiber, or minerals and vitamins.Men are more likely to get the â€œbeer bellyâ€ look because of the way they distribute fat. Men tend to put fat inside their abdomen whereas women are more likely to put fat under their skin. Strong abdominal muscles can help a man â€œsuck inâ€ the abdomen and hide the extra fat that is being stored inside. A beer belly will also become more noticeable as we age because we lose some of our muscle and the skin becomes less tight. People who drink a lot of beer tend to be people who do not exercise. Most of us exercise less as we age and this contributes to gaining a beer belly. There are also some hormonal reasons why we accumulate fat around our midsection as we age.
Money, whether shiny or crisp, this tool created to simplify trade has become so much more. I’ve seen firsthand in more than ten years of advising every kind of client, the range of emotions and attitudes wrapped up in money. Some people hate to talk about it, hide from it. Others, like the fictional character Silas Marner, love to hoard it, hold it and stare at the shininess of it all. What I’ve learned is that money is personal.One reason money is personal is that it’s private. Though we spend it in front of friends and family, your complete financial situation is known to only a few. In fact, you may be so overwhelmed by your finances that you hide details from your dearest love. Like the bag of newly purchased stuff in the trunk of your car that you plan to wear without explanation, maybe even hiding the receipt. Money is personal because its management varies. Even financial advisors disagree about management styles. I studied finance because I wanted to know ‘the rules’ about money. Turns out there are many philosophies about financial management and no one ‘right’ way to handle money. Like parenting and relationships, there are few absolutes. There are general themes and methods, but the real decisions people make about their money are individual ones.Money is personal because you need to be in charge of this area of life. It is your money. Though you may work as a team with an advisor or partner, no one fills your shoes but you, chummy. Big kid panties and all that. Excuses like, ‘It’s too hard,’ won’t do. It’s fine if presently you are a little baffled or maybe have mastered certain aspects of finance. We’re all on a journey. Each day we will, hopefully, be smarter and wiser about life, including money management.How we spend our money is personal and is snapshot of what matters to us. What important to you? Giving away as much as you can? Spending a lot on baubles instead of paying bills? Sometimes in control, other times, not so much? Let’s start fresh now. Ultimately, you need do what you think works best for you, working within your quirks striving for balance. Be the best little snowflake God made you to be. That’s all your loved ones ever wanted for you, chickadee, and that’s what I want for all of us, too.Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.com
By- Dr. David PrescottTimes of transition are often both rewarding and stressful. The transition to the new school year, while much anticipated, may bring particular challenges for some children and families. Knowing the early signs of common school adjustment problems can help parents, students, and teachers adjust to a difficult transition without letting a relatively small difficulty grow into a major problem. Three common issues which may require extra attention during the start of a new school year include: 1) anxiety about going to school (â€œschool phobiaâ€): 2) difficulties in peer relationships and bullying: 3) academic difficulties/risk for school dropout.School PhobiaWhat are the signs? It is normal for children and teenagers to worry. A recent study reported that 70% of children say they â€œworry every now and then.â€ In children, phobias or anxieties are often displayed through avoidance, behavior problems like tantrums, or physical symptoms like stomach aches or headaches. Children who have school phobia may say that they are worried about what may happen to their parents while they are in school, or find other reasons that they shouldnâ€™t go to school. They may ask for excessive reassurance about going to school. Suggestions for coping with school phobia â€¢ For children of all ages, show interest: Listen, give encouragement, and ask questions. â€¢ For younger children, get on the bus with a friend. This can help children not feel so alone. â€¢ Organize the night before. If your child is anxious about going to school, try not to make the trip out the door full of stress and last minute running around. â€¢ Talk to a mental health professional or school counselor if your child begins missing school or leaving early due to stress or worry. Peer Relationships and BullyingWhat are the signs? Bullying is a form of aggressive behavior in which someone intentionally and repeatedly causes another person injury or discomfort. Bullying can take the form of physical contact, words or more subtle actions. Research suggests that about one in five (17%) of school age children report being bullied sometimes or often. There is no single profile of a bully, such as the stereotypical tough on the outside/insecure on the inside child. Many bullies are extremely popular with their peers and, surprisingly, popular among teachers and other adults.Suggestions for coping with peer relationship problems and bullying:â€¢ Listen to the problem: Many times, listening to your childâ€™s problem in a patient, relaxed manner can help them feel better immediately, and can help your child start to think of solutions. â€¢ Enlist the help of school counselors and administrators: Many schools have worked hard to reduce bullying. A chat with the principal or guidance counselor will help you support your child in a way that is consistent with what they experience at school. â€¢ Provide Perspective and Look for Strengths: Try to help your child keep a long term perspective on peer problems. Things donâ€™t always turn around in a day. While you are figuring out how to make things better, donâ€™t forget to help your child focus on what they do well. Academic Struggles and Risk for School DropoutWhat are the signs? Letâ€™s focus for a moment on children in early adolescence. Research suggests that children normally become more self-critical and negative in their opinion of themselves as they enter their early teenage years. As schoolwork becomes more difficult, young teenagers may be filled with doubt about their abilities and skills. Poor grades may be one sign of this. Sometimes teenagers may express dislike for a subject or teacher partly due to their own self-doubts. Helping them overcome these struggles has significant benefits in terms of future work and self-esteem. Suggestions for Coping with Academic Struggles and Risk for Dropoutâ€¢ Effort matters: Even though it may just sound like a saying, research shows that there is a positive correlation between effort and performance in school. Keep in mind that, at least in this case, hard work does appear to pay off. â€¢ Look for improvement, not perfection: Try to help your child make improvement, rather than perfection, their goal. â€¢ Enlist help: Improving in schoolwork requires both emotional and technical support. Friends, teachers, parents, and siblings can all provide different types of support. Help your child feel like they arenâ€™t isolated in dealing with their struggles. For More Information: Acadia Hospital: www.acadiahospital.orgAmerican Psychological Association Help Center: www.apa.org/healthcare
This is a money segment, but our money frequently comes to us from a job, our work. Do you LOVE what you do?Love? Really? – If you spend forty hours a week doing a job, why not find meaning and purpose and not just bring home a paycheck? Isn’t life more than money?But I am only aâ€¦ — Most people want to do something meaningful. You ARE doing meaningful work whether you are fixing computers, unclogging drains, helping women with their apparel or hair. We need you and your expertise! You fill a place in this world of significance. Be the snowflake God made you to be!Do the job well- Be the best inspector, produce manager, caregiver, attorney, writer or assistant. What you’re doing has value to others and you perform the task differently than anyone else can do it. Keep your eye on you and improve your performance.Find another- If this job , or the specific place where you work, isn’t a great long-term home for you, make a strategy for your future. What positions might be better? Consider the work hours, flexibility and travel requirements. Talk to experts or trusted confidants. Get the skills, education or licensing required to make the change.Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.com
For millions of american men, with age, hair can thin or fall out and never come back. TV5 health expert Doctor Eric Steele is here to talk about male pattern baldness.
Since the first rule of finance is spend less than you make- or earn more than you spend- what are some practical ways for spending less?Shopping is NOT your hobby- Stop hanging around folks for whom shopping IS their hobby, and find something else to do with your free time. Shop less frequently saves a ton of greenbacks! The science of item placement and ways to entice you are important to retailers. If staying out of the store is the only way you can resist spending money, then stay away. So don’t shop because you are bored.Emotions that trigger spending- Besides boredom and peer pressure, which I have spoken about before, we shop when we are angry or feel entitled. ‘I deserve this. After all, I put up with those annoying people at work and give more than I’m paid.’ WOW! That’s an attitude that will get you nowhere fast.What CAN you do?- So, if you can’t shop when you’re bored – well, you can shop, you just can’t SPEND- how could you spend your time? You can shop at cheaper stores, you can walk and talk with friends, you can help others an afternoon a week. You can invite folks over every week for potluck parties at which you provide modest amounts of food or drink and others pitch in.Citations:Product placementhttp://www.savingsguide.com.au/10-shopping-tactics-that-make-you-buy-more/Feeling bored as reason to shophttp://www.divinewriters.com/2010/08/the-frequent-reasons-for-excessive-shopping/Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.com
How much cancer risk is there in getting a CAT scan?By- Dr. Joan PellegriniThis is a very difficult question to answer. However, there is a growing concern about what that answer may be because of the extensive use of x-rays in medicine. There is a growing concern that the increasing use of radiologic studies may lead to an increase in our cancer rates. Plain x-rays do not use much radiation but CT scans use much more. Since the 1980′s there has been a rapid rise in the use of CT (Computed Tomography) scanning in the medical field. CT scans use a form of radiation in order to produce images. Doctors order CT scans frequently in order to give us information to aid in diagnosis or to prepare for a surgical procedure. A CT scan can tell a medical professional about what an organ or tissue may look like without actually performing surgery to look. There are obvious benefits to using x-rays and CT scans. Unfortunately, there is also a risk because of the exposure to radiation. The Radiological Society of North America (www.radiologyinfo.org) publishes information on how much radiation exposure happens with various x-ray studies.To put the amount of radiation it in perspective, the average American is exposed to about 3 mSv (a mSv is a measure of a type of radiation) per year of background radiation (basically everything around us is at least a little bit radioactive). Most of our exposure comes from the radon in our homes. In contrast, a CT scan of the stomach exposes a patient to 10 mSv (about 3 years’ worth of ambient exposure). A chest x-ray only exposes us to 0.1 mSv (about 1/100th that of a CT scan). Cell phones have hit the news lately because of the accusation that extended use may cause brain cancer. Cell phones, power lines, computers, microwaves, etc emit a non-ionizing radiation which is less damaging than the ionizing radiation of x-rays because it does not penetrate the skin and cells as easily. Therefore, one cannot easily compare this type of equipment and radiation with medical imaging radiation.Another concern is airport x-ray machines. For the most part, these are used on the luggage and not on the passengers. The new total body scanners do use radiation that amounts to approximately 0.001 mSv (1/1000th of a chest xray). The type of radiation is called “backscatter” and is weak and bounces off the skin. It is not strong enough to penetrate tissues and therefore is no more risky than sun exposure. TSA states on their website that this amount of radiation is equivalent to two minutes of flying on a jet. Metal detectors use a magnet and no radiation. So, from the numbers above, it becomes clear that CT scanning exposes a patient to a significant amount of ionizing radiation. We know that too much ionizing radiation will increase a patient’s risk of developing cancer. What we don’t know is how much is too much and how increased is the risk? Some experts would contend we are seeing increasing rates of cancer in patients who frequently undergo CT scanning. Although this is debatable, I would suggest that caution be used. CT scans should only be ordered if there is likelihood that it will yield useful information and if that information will be used by a medical professional to tailor treatment. In other words, a CT scan should not be done just to see if it shows anything. This is an important concept because many patients and physicians have the mistaken belief that it won’t hurt to order a CT scan and see if it shows anything wrong. One CT scan is probably not worth worrying about. However, it may be concerning if someone has several CT scans over several years. A classic example would be a patient who gets a CT scan every year or two to look for a kidney stone, evaluate for appendicitis, or look for a cause of abdominal pain.The current recommendation from radiologists is that a patient and medical provider discuss why the imaging study is being ordered and what information is expected to be obtained. Also to be discussed is what other diagnostic modalities are available and how will treatment change based on the radiology results. A patient should understand the concept of accumulating radiation exposure and accumulating risk.
School shopping: oh, Joy! You can make a game of this adventure by doing this task on the cheap, cheap, cheap. Here’s six tips to help you shop smart.1.) Make a list – This should be a detailed shopping list of specific items. Having a list is the best way to save money. If you are given a list by the school or Honey’s teacher for suggested shopping supplies, see if it can be modified for cost savings and be sure that everything suggested is really needed.2.) Shop around – Open your mind, grasshopper, to all the possibilities. Include the Dollar Store, and other discount and warehouse stores in your excursions. Keep your detailed list in your wallet, or at the ready in a handy location, so you can have a clear understanding of your exact needs whenever possibilities present themselves. You may even be able to jot down prices, but that should be done discretely.3.) Shop early- According to some recent business reports, stores are anxious to have shoppers shop and are offering unexpected discounts earlier than usual, so take advantage of opportunities.4.) Keep it simple- Buying basic supplies versus fancy supplies will save a lot of money. Buy only the occasional pretty or shiny thing- and I feel your pain as shiny and I are very close friends- because basic supplies are money savers and fancy supplies, such as pencil sharpeners that light up, are serious classroom distractions.5.) Buy in bulk- If you have several children, or if you can split great deals with another family and their children, buying in bulk could save you money.6.) Bring kids, or not, that is the question- You need to decide if having the kidlets along for school shopping will be a hindrance or a help. If saving money is the key, leaving the honeys at home may provide you an opportunity to buy the least expensive notebooks, pens and paper that address the need. Saving money is a combination of preparedness and vigilance. So keep your list handy and your eyes opened for great deals.Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.com
Ultimate Fighting Championship or U.F.C. has taken over the world of sports.It’s a raw competition of mixed martial arts.We have several U.F.C. fighters from our state. Marcus Davis actually owns a gym right in Brewer.In this edition of Take This Job and Love it “The Irish Hand Grenade” lent Chelsey Anderson a hand in the training just seven weeks away from his fight.————It didn’t take me very long to know I’d be working very hard for this job.Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “From 6 in the morning until the last class ends at 10 o’clock at night, that’s all I’ve got around me. They certainly won’t get the feeling of what that’s like right here.”Marcus is right. This is a lifestyle. I was not going to be in the cage after a couple hours. Marcus thought we’d start with some important moves.Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “What I want you to do is bend at your legs.” Chelsey: “Okay.” Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “You want to be springy.”Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “You’re going to let your hip come forward first so when this comes. Yes! And then your leg.”Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “It’s all in the hip, so we’re going to swing the hip and let our leg catch up.”Chelsey: “Okay, am I right again.” Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “You’re right where you want to be.” (soft thud) Chelsey: “Like that?” Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “She’s all nervous. Oh my God! I don’t want to break the pad!” Chelsey: “I’m definitely not going to do that!”Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “Our main area to make contact is the shin. Here. Your shin bone. Okay. The harder part.”(thud) Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “Each time you get a little better. Now think about this. So you just did this. You’ve only thrown 5, 6 kicks. You would end up throwing hundred of these a day.”Marcus thought he’d show me how it’s done.Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “I’ll let you hold the pad, and I promise I won’t kick the pad really hard. Okay, so watch how slow I throw.” (thud) Chelsey: “Geez!” Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “So that’s slow.” Chelsey: “I can’t imagine taking a hit!”Obviously, I’m going to end up on the ground. Let’s work on that.Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “This is called the guard position. What that means is I’m on my back and my legs are around your waist.”The bottom is never where a fighter wants to be caught.Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “But there are some things I can do here. One good thing is that I do control your body. So if I need to I can push you away or I can pull you inside.”There’s also the trusty arm bar.Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “She’ll tell you she can feel. Let me know when that hurts.” Chelsey: “Yep.” Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “Trying to be as gentle as I can.”Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “I’m going to apologize for this one right off the bat.” Chelsey: “Okay!” Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “You’ll see a lot of triangle chokes. Her hands are here. I dump this way and I immediately can choke her.” Chelsey: “Oh my goodness!” Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “With my legs.” (laughter)He also showed me the Kimura lock.Chelsey: “So do you break these things on people?” Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “Oh yeah! All the time! Happens all the time!”Even with all these tricks, it’s important to get off your back.There are also a couple submissions that can come in handy.Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “We have what’s called heal hooks. Where I get inside here and you’ll feel it on your knee.” Chelsey: “Oh yeah. I feel that one.” Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “That one’s the most dangerous out of all of them.”I thought I’d gotten past some of the most difficult tasks of the day, but I was wrong. Conditioning was next, which is important for weigh ins And for speed and endurance.Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “What I’m going to do is put you through a plyometrics routine. You ready?” Chelsey: “Has anyone ever fallen off the box before?” Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “I have no comment to that. You signed a waver right?”Chelsey: “How many of these do I have to do?” Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “For 30 seconds. 30 seconds.”Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “Time!” Chelsey: “Ugh!” Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “Now we’re going to do burpies. Squat thrust and jump, squat thrust and jump.”Chelsey: “Oh my gosh!”No time to rest. On to hop overs.Chelsey: “I’m not good at these! My legs are jello!”I finished those and the weighted jump rope, and lastly the hop up.Chelsey: “Oh dear. Scariest part of the day. Right here.”Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “One big hop.” (grunt) Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “You did it!” Chelsey: “Thank goodness!”So after all the kicking, crushing, flipping and jumping, would I get the job?Marcus Davis, “The Irish Hand Grenade”- UFC Fighter: “Anybody has the potential to do this. All that matters is what’s inside the person.”—————Chelsey would like to thank Marcus for allowing me to train with him. If you’d like to see more from professionals, Marcus squares off Saturday, August 28, from the TD Garden in Boston.
By- Dr. Amy MoviusIf youâ€™ve gone sunscreen shopping this summer (and I hope you have!) the options available are mind-boggling. A few years ago, it was rare to find a sunscreen SPF (sun protection factor) rating of more than 45: now there are many products with ratings of 70, 80, 90 and even 100! But what, exactly, do these ratings mean?Letâ€™s start with what the Sun Protection Factor does. An SPF rating refers to the sunscreen productsâ€™ ability to block ultraviolet B, or UVB, rays. UVB rays cause sunburn and contribute to the risk of skin cancer. Now, for what SPF doesnâ€™t do. SPF sunscreens do not block UVA or ultraviolet A rays. About 95% of the UV rays we are exposed to are UVA. UVA rays are closely linked to deeper skin damage (wrinkle causing) and also contribute to the risk of skin cancer. SPF rating measures time. A SPF rating of 10 means you would be protected from sunburn causing UVB rays 10 times longer when using the product than without using the product. As shown below, UVB protection does not increase in direct proportion to the SPF number:SPF UVB rays blocked15 94%30 97%45 98%Accordingly, SPF 15 products are generally fine if used correctly, but few people apply sunscreens as heavily or often as they should. Some providers recommend SPF ratings of 30 or so for this reason alone. No product blocks 100% of UVB rays, so distinctions between SPF 45 to 100 are tiny. In fact, the FDA is working on a new labeling system to limit SPF product claims to 50.Finding a sunscreen that protects against UVA rays is just as important, but a lot harder to do. Many sunscreens that block UVA rays often do so by chemical filters (avobenzone or Mexoryl). However, the protection may be marginal as these chemicals break down quickly and lose effectiveness in the sun, unless stabilized. Few companies have been able to prove they can stabilize these chemicals. Barrier sunscreens containing zinc oxide or titanium are preferred by some dermatologists but many people dislike the thick, pasty and opaque products that are over-the-counter. There are some medical-grade sunscreens that contain these barriers in a micronized form that isnâ€™t so thick or visible.No sunscreen will be effective, however, if not used properly. A water-resistant formula is recommended and should be applied generously about a half hour before going outdoors. It should be reapplied at least every 2 hours, or after swimming, drying off, or sweating. For more information on sunscreens, including specific products, go to www.wedmd.com, High-SPF Sunscreens: Are they Better?
How to Talk About These ProblemsBy- Dr. David PrescottEating disorders continue to be a major concern in America, as people struggle to find a balance between increasing rates of obesity, developing a positive body image, and healthy lifestyles. Friends and family often are the first people to develop concern that a loved one has an eating disorder. The following are some tips for starting a conversation about eating disorders, and helping people with eating disorders get professional treatment.How do I start a discussion about a possible eating disorder? The first time you raise a concern about an eating disorder with a family member or friend, realize that the conversation may be a starting point rather than an ending point. Some useful strategies for having the first conversation include: 1. Learn about eating disorders and treatment options before you talk: Having an understanding of the behaviors, feelings, and treatment options for eating disorders will help you to feel more confident and supportive. 2. Express your concerns without focusing on the eating behavior: Try to express your concerns for the other person without making statements like â€œyou are putting on weightâ€ or â€œyou are getting too thin.â€ Rather, statements about your experience of what it is like to be around them (â€œa lot of times I think you are sad or unhappyâ€) may be a good starting point. 3. Ask if the person has considered that something is wrong, or if they are open to talking with a health professional: Gently asking whether a person has considered that they have a problem, or if they have thought about talking to a health professional will often yield surprising answers. Typically, people with eating disorders have given the issue a great deal of private thought. 4. Take a break if things get too stressful: Remember, control is usually an important issue in eating disorders. Donâ€™t be afraid to take a break in a non-confrontational way. Insisting that a difficult conversation be finished â€œhere and nowâ€ can often lead to a control battle. Coming back to the conversation in a supportive way shows your commitment and willingness to have some give and take. What are the Types of Eating Disorders? There are three major types of eating disorders. 1. 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. 2. 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. 3. 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 â€œnormal concernâ€ to â€œpsychological problemâ€ varies from person to person. However, if you answer â€œyesâ€ 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? Is Treatment for Eating Disorders Necessary? The sooner that treatment starts for an eating disorder, the easier it is to treat. Eating disorders donâ€™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 â€“ 1-800-640-1211 or www.acadiahospital.org
Banking can be an expensive undertaking. Fees for many services, such as deposits, ATM, check writing, etc. Some banks try to entice depositors with ‘free checking’ if high amounts of your money is held in savings accounts that pay a pittance in return, that may stink for you. So, here the things you need to research if you want to find the best banking for you. Fees- These can be as broad as ATM charges- at YOUR bank and when you use banks outside the system, monthly costs for accounts and for additional bank services that might be of interest to you such as traveler’s checks or overdraft fees. Additional charges for paper statements or other services?Foreclosures- Ask how many foreclosures have occurred from loans at this bank and as well as credit card defaults. The answer to that question will let you know several things: the scrutiny of the banks’ lending process, fees that will be required of you to cover the bank’s losses. Stuff happens. People lose jobs and businesses fail. But if this is really high this bank may be too reckless for your money.Benefits- Is this bank conveniently located? Are the hours good for your schedule? Are you willing to suffer some inconvenience for other perks? How is their bill-pay online? Can you move money from business accounts and personal accounts? Does the bank provide free notary service for customers?Following these tips you may save money this year!Citations:http://www.ehow.com/how_5168878_save-bank-saving-money-bank.htmlhttp://www.ehow.com/how_5175130_banks-inexpensive-comes-fees.htmlMarion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.com
On “Take This Job and Love It” our reporters do everything they can not to get chopped, but in this edition Chelsey Anderson was trying to make a cut and more at the Maine Lumberjack Show in Trenton.—————–Timber Tina: “It’s kind of fun though!” Chelsey: “I bet.” Timber Tina: “It’s exciting!”Timber Tina is head lumberjill and owner of the Maine Lumberjack Show in Trenton. We started the day with speed climbing, and before I’m even finished suiting up I become concerned about the muscle mass I lack for this event.Chelsey: “There’s not a hole there.” Timber Tina: “There’s not a hole there!? Evidently the guys have bigger calves.” Timber Tina: “Alright. Now what you’re supposed to do is go step, step, throw. Step, step, throw. So it’s one and two.” Chelsey: “Except those step steps are on this?” Timber Tina: “It’s on the tree.”Timber Tina: “Just dig one spur in.”Timber Tina: “And now dig another one in.” Chelsey: “Oh no! Okay. Gosh. I’m going to come crashing down.”Chelsey: “So how high up do most of these people go? All the way to the top?” Timber Tina: “Higher than you!” Chelsey: “Yes!” Timber Tina: “We tell them if they go to the top of the line and here’s the line Chelsey. Right here.” (laughter)Well everyone has to have a goal. Timber Tina: “There you are!” “Yeah!” Next up, cross cut sawing.Timber Tina: “Rule number one in sawing, Chelsey, never let the saw touch you!”Since I was most certainly not a competitive sawer I found little accomplishments along the way.Timber Tina: “Alright. Next, chain sawing!”Timber Tina: “Hands on the top of the log. Competitors ready! Three, two, one, go!”Timber Tina: “Okay so now you broke the decompression.”It took me another try to get it right.Timber Tina: “Now in ax throwing we throw at 20 feet and we throw at this target over here.”Timber Tina: “Basically you are going to have the ax in your hand and you bring it back once and then throw it.”Here goes nothing. Literally.Chelsey: (grunt) “It was close.” “It’s not horseshoes!”Another try gets me to the target at least.Timber Tina: “You got some pipes on you girl. But when you double stick it’s a DQ.”Chelsey: (grunt) “I did it again.” Timber Tina: “I can’t believe you are hitting it though. That’s awesome!”Timber Tina: “Well, you’re tilling the soil for next year.”Some advice?Timber Tina: “Become one with the ax.”I must have been listening.Chelsey: “Oh my word!” (applause) Timber Tina: “Oh my gosh.”On that note I moved on to chopping. While Tina marks the log and cuts my food holds, I get safety gear on.Timber Tina: “Three, two, one, go.”This was going to take me a lot longer than the lumberjills. Timber Tina: “Don’t hire her to build you a log cabin.”30 minutes later.Timber Tina: “I’m going to go get a coffee.”And some help from Timber Tina.Chelsey: “It’s wobbling. Hit it hard. Hit it harder. HIT IT!” (grunts) “Am I going to fall on my ax?”Not quite.Chelsey: “Look at that! Wounds.” Timber Tina: “Oh my gosh, she’s got a blister.”My final job. Logrolling. Tina showed me how it was done before I got started.Timber Tina: “Pitter patter. I’m going to let go now. You’re all on your own. Oh my gosh! Look at how good you are! Patter, patter, patter.” Chelsey: “AH!”Timber Tina: “You can get on the log here if you want.”Me a trusting soul.Chelsey: “AH! Brr! Cold. Oh! Is my makeup okay?”Timber Tina: “I’m going to have to put log rolling as your best so far.”Chelsey: “So the real question is, would I be hired at your show?” Timber Tina: “You would be hired, because you’ve given a brilliant effort. No you’re great! Congratulations!” Chelsey: “Thank you.” Timber Tina: “You’re hired.”——————We’re not sure if it was a sign from God, but on the way back to the station a car pulled in front of our WABI vehicle with the license plate “U R FYRD”So Chelsey’s staying with TV for now.Chelsey would like to thank Timber Tina for the experience. She has a greater respect for every woodsman and gal out there.If you have an idea for our next Take This Job and Love It, e-mail us: email@example.com
Keeping Your Cool: Understanding Heat Related IllnessBy- Dr. Amy MoviusTourists flock to Maine for the glorious summers: natives wait all year to enjoy it. However, when the temperature cranks up as in recent weeks, we all need to be careful not to get â€œtoo much of a good thingâ€.Heat related illness, often called â€œsunstrokeâ€, occurs when the body has increased heat production and decreased heat transfer to the environment. Heat related illness can be fatal in its most severe form, heatstroke. The body usually cools itself by sweating, but in very hot temperatures it may not be enough â€“ especially when it is also humid (Maine!). Risk factors for getting ill from the heat include being in the heat too long, exercising, being old or young, being sick to begin with, and being overweight. Because the consequences are so dangerous, it is important to recognize when you, or someone else, is developing heat related illness.Heat Cramps. Muscle pain/spasms can be one of the first signs of heat related illness. Stomach, arm, and leg cramps are most common and often happen during strenuous activity. They are most frequently seen in children. If someone develops heat cramps, follow the steps below: 1. Bring person to a cool place. 2. Give him/her water or sports beverage to drink. 3. Massage affected area gently. 4. Insist he/she wait SEVERAL HOURS after cramping is gone before doing any physical activity. 5. If cramps last more than 1 hr, seek medical attention.Heat Exhaustion occurs when the body has lost excessive water and salts from sweating. In addition to muscle cramps, victims will have profuse perspiration, cold and pale and clammy skin, fatigue and weakness, headache, dizziness, fainting, nausea/vomiting, rapid & shallow breathing, and a fast &weak pulse. If someone develops signs of heat exhaustion, follow the steps below: 1. Follow the same steps as heat cramps listed above. 2. Take victimâ€™s temperature (preferably rectal). If greater than 103.1 treat as for heatstroke (section below). 3. Give patient a cool bath (tub or sponge) or shower. 4. If symptoms worsen or last more than 1 hr, seek medical attention. An immediate trip to the emergency room may be needed.HeatStroke occurs when the body temperature rises so high that cells are damaged. It is estimated that 12% of adults with heatstroke die. Body temperature can rise to 105o F or more in only 10 to 15 minutes. Victims of heatstroke cannot sweat well. Symptoms include temp 103.1oF or more, red & hot & dry skin, fast & strong pulse, nausea, dizziness, headache, confusion, loss of consciousness. If someone develops signs of heatstroke, follow the steps below: 1. Immediately call for Emergency Services and begin cooling the victim as described below. 2. Move to a cooler place. 3. Remove clothing . 4. Put cool water on the skin. This can be done by immersing in tub/shower, doing a cool sponge bath, even spraying with a garden hose. 5. Direct fan or air conditioner at victim if available. 6. Take temperature every 5 minutes, continue actively cooling until it is less than 102oF. 7. Donâ€™t give the affected person anything to drink or put anything in their mouth. If they vomit or have a seizure, simply turn their head to the side.As always, prevention is the best strategy. On hot days, drink plenty of fluids, replenish salt and minerals with sports drinks or other intake, and limit time and exertion in the sun – especially during the hottest midday hours.References:1. HeathlyChildren.org â€“ Heat Related Illnesses2. Jardine. Heat Illness and Heat Stroke, Pediatrics in Review. 2007:28:249-258. doi:10.1542/pir.28-7-249
Steamed Andouille MusselsExecutive Chef Louis Kiefer, Bar Harbor Inn1 ounce sliced green pepper (can use yellow and red as well)Chopped garlic to tasteOlive oil to saute2 ounces andouille sausage (sliced on a bias) 1/2 sausage per serving4 ounces mussels, cooked halfway1/2 cup white wine1/2 cup diced tomatoesChopped scallionsSaute andouille sausage with peppers and garlic until sausage is cookedAdd mussels, and wine.Garnish with scallions and chopped parsley.Serve with 3 garlic costini.
Bourbon and Brown Sugar BBQ SauceExecutive Chef Louis Kiefer, Bar Harbor Inn1 cup fine diced onion8 cups of your favorite hickory smoked BBQ sauce2 tablespoons liquid smoke1 cup dark brown sugar2 tablespoons Dijon mustard2 cups Bourbonoil to saute onionsSaute onions in oil until translucent. Add brown sugar and heat slightly, do not burn. Add remaining ingredients and simmer on low for 5 minutes.
Every day I am approached by people who ‘wished they understood’ all kinds of money subjects. These folks feel lost, ignorant, angry at themselves, and foolish all because of their own perceived lack of knowledge about money. Negative slef-talk just leaves you stuck and does not advance your knowledge. So, take a pledge with me! I promise to learn more about money this summer!Here are some resources to help you honor your promise: (for the screen)Kids resources- The Brewer Marden’s has a large supply of oversized coloring books entitled, “Children’s Economics.’ When I saw them the week of June 21st, they were $1.99 and they cover jobs, interest, borrowing, budgets, not in any detail. But it’s a great start, and very accessible. I bought these coloring books for way more money and had them in my office for various things and I love them. Internet resources- FDIC, Federal reserve and regional banks – like the Federal reserve bank of Philadelphia, these sites and others have history of coins and lessons about trade and consumer info about money so that you can follow your interests. It’s fun and free.Library- Besides my clever book, Real Deal: making Big Changes with Small Change, ask your librarian for magazines and about finance and money and have them help you with an interlibrary search for subjects that interest you. Don’t read the tomes that are not of interest or give you a headache, but take small steps towards a better understanding of all things money.Remember, you took a pledge! FDIChttp://www.fdic.gov/consumers/consumer/moneysmart/young.htmlPhiledelphia Fedhttp://www.philadelphiafed.org/education/money-in-motion/treasure-trove/ Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.com
Ever notice how tight your child can be with their own money and how quickly they spend yours? When you haven’t worked hard for the money you are given even grown-ups can behave this way.It’s not just lemonade stands and yard sale toys! Here are some ideas from Education.com on how your child can earn money. Movie night- Host a Summer Movie Festival for families. Set up video viewing outdoors on a sheet or inside in the largest space you have. Charge a fee for snacks and drinks and let your children ‘clean up.’Vacation helper- Plenty of folks will be away for a week or two this summer. Maybe your industrious youngster could water their potted plants, mow the lawn or pick up mail.Computer whiz- Most kids know a lot more about all things tech than their parents. Develop a fee schedule for by-the-hour work or per particular job. This will definitely be win-win!At-home help- When the kids are home having a few extra hands can be a real blessing to parents. Hire your kids for around the house help for you, or rent those adorable kids out for help with friends whose children are younger and could use a playmate.Citation:Education.comhttp://www.education.com/magazine/article/Summer_Entrepreneurs_Money/Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.com
The movement of the stock market is affected by large and small events Recently the stockmarket has had some considerable drops and volatility. What causes these changes?1.) International events: debt, political – The first concerns are always the larger issues of international events. Recently the debt of Greece and other nations has caused serious worries about how nations will repay. National debt concerns exist in Spain, England and worries may also spread to encompass the U.S.’s growing debt load. Political risk isalso an investment concern and the recent actions of countries such as Iran, North Korea and the Mideast may have repercussions for our investments.2.) Domestic events: jobs, elections – The second group of factors are the domestic ones. Presently the unemployment numbers, which on June 4th stated much lower than expected private sector hires, have traders trading on that day’s news. What’s your best move? What’s your time horizon? These same general issues are what makes markets move If they only went up there would be no risk You have to determine what’s best for you and your situation. Speak to an advisor. Remain true to your plan.Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.com