About Me

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I came to residential Real Estate just a bit under 10 years ago, after having been very successful in other ventures...I've been a senior excutive with 2 public companies, an art publisher, I've owned a small TV station, I've been an apparel designer...and have been befriended by International acknowledged Artists like LeRoy Neiman, Erte, Yaccov Agam, Lebadang, and Leonardo Nierman...I've made presentations to Captains of Industry like Steve Wynn, Merv Griffin, and former Air Force Chief of Staff General McPeak. So I've seen and done alot...and today, after a serious health challenge, I'm a Realtor on Chicago's North Shore, but upon reflection, but Real Estate may well be the most rewarding of all of my endeavors, except for being a Grandfather to 2 beautiful children. Professionally, I thrive upon 'HELPING MAKE DREAMS COME TRUE'.

Wednesday, September 15, 2010

Making Up for Bad Health Habits

Bad Habit #1: Not Enough Calcium

Your mother told you to drink your milk (you didn’t). Your doctor encouraged you to take calcium supplements (you didn’t). Now what? “Your body will lay down bone mass until your early 30s, so if you are in your teens or 20s, you have time to reverse the years of inadequate calcium intake and start building stronger bones,” says Nikki Tierney, a registered dietician in private practice in Quincy, Massachusetts. “If you've passed this age, all is not lost. You may have missed the opportunity to build bone mass, but it is never too late to prevent more bone loss.”

Women who are 19 to 50 years old need 1,000 mg of calcium per day; those 51 or older need 1,200 mg per day. “You absorb calcium best from food sources, so be sure to include these in your diet,” she says. “The easiest way to get your calcium is to get three servings of milk or yogurt each day. If you are looking to add in a supplement, get something with 500 to 1,000 mg, such as calcium chews.” In addition to dairy, you can get your calcium from the following sources: ½ cup firm tofu (204 mg), 3 oz canned salmon (181 mg), 1 cup pinto beans (103 mg) or 1 cup cooked kale (94 mg).

Bad Habit #2: Poor Posture

Misaligned posture can lead to back, knee, hip and neck issues as well as collapsed arches and a host of other problems, says Dana Davis, MA, CYT, a senior certified balance teacher in Petaluma, California. If you’ve had poor posture most of your life, you probably think there’s nothing you can do to improve it. Not true, says New York City–based fitness expert Story von Holzhausen. “You can make changes instantly, transform yourself and don't have to wait to see results,” says von Holzhausen.

She suggests this easy exercise to turn back years of bad posture habits: “Stand with your heels almost touching a wall. Roll your shoulder blades back and drop them down until they touch the wall. Slightly lower your chin and pull the base of your head against the wall, lengthening the back of your neck. Hold this position for 15 seconds, breathe, rest and repeat. If you cannot touch the wall, then your goal is to work up to it slowly.” Photo by Shutterstock.

Bad Habit #3: Smoking Cigarettes

So you smoked in college—OK, and grad school, and maybe occasionally when you’re socializing. You already feel guilty about it, but what can you do now? “The quickest way to improve your health if you're a smoker is to quit now rather than later,” says Shelena C. Lalji, MD, founder of the Dr. Shel Wellness and Medical Spa in Houston. “Research shows that people who quit smoking when they're in their 30s and 40s have a much lower risk of emphysema, stroke, hypertension and cardiac disease. Medical-grade supplements can help smokers reduce their cravings to increase their success.”

According to the American Cancer Society, after three months of not smoking, your lung function improves dramatically and your circulation is revitalized. After one year of being cigarette-free, your risk of coronary heart disease is 50 percent less than when you were a smoker. One of the best ways to reclaim your smoke-ravaged lungs is to make a new commitment to fitness, says Dr. Lalji. “Increasing exercise both during the transition from smoker to nonsmoker and afterward will help you keep the commitment to yourself while improving circulation, gaining lung capacity and reducing cardiac-related problems.”

Bad Habit #4: Too Much Booze

Do you regret years of excess drinking? While alcohol-related damage to the body can be harmful, and experts say there’s no way to completely reverse it, there are certain things you can do to improve your liver function and overall health. “Drinking can cause fat buildup in the liver, which causes the liver to work harder to metabolize the fat,” says Carlos Tirado, MD, MPH, chief medical officer of Enterhealth, an addiction disease management provider in Dallas.

Help your liver recover by starting a weight-loss regimen and eating a lowfat diet. “In general, eating a diet rich in fruits and vegetables and reducing fat—especially trans fat and saturated fat—can enhance recovery from alcohol-related liver injury,” he says. If you haven’t completely cut alcohol from your life, health experts recommend one drink per day, max, for women, and two for men—though it’s best not to drink daily, so to pick a few days a week that you don’t drink at all.

Bad Habit #5: Being Overweight

One of the leading causes of heart disease—and the number-one cause of death in women in the U.S.—is being overweight. But once you’re diagnosed with cardiovascular issues, it doesn’t mean it’s a life sentence. “Losing weight will significantly reduce this risk,” says Sohah Iqbal, MD, a cardiologist practicing at New York University Hospital. “Weight loss, through a diet and exercise program, can significantly reduce multiple cardiac risk factors that significantly increase the risk of coronary artery disease and heart attacks.”

Weight loss is not only associated with lower blood pressure, but it has also been shown in studies to improve your lipid profile—decreasing LDL (bad cholesterol) and increasing HDL (good cholesterol)—and reduce triglycerides. “Cholesterol buildup in arteries starts at a young age, but if you improve your cholesterol profile later in life, it stabilizes the cholesterol plaque and decreases the risk of it enlarging and occluding the artery or rupturing and causing a heart attack,” says Dr. Iqbal. The American Heart Association says you can reduce your risk of death from cardiovascular disease by 20 percent and ensure your ticker is in optimal health by following their 7-Point Checklist. Visit MyLifeCheck.Heart.org to learn more.

Bad Habit #6: Exercise Procrastination

You know that old saying: If you don’t use it, you lose it? Well, it’s only partly true, says Sarah Clachar, a New England–based health educator, fitness expert and the cofounder of Fit Family Together. “The opposite is true as well. When you start to use your muscles, you can regain them—at any age. So even if you've never worked out or had muscles to show off, you can certainly acquire them through a good fitness strategy.”

Where to start? Avoid an intense jog or hike, and think weights first. “If you haven't been active for years, your muscles aren't up for the activity,” she says. To avoid injury, focus on strength-training first. “Start by building up your muscles so you have the capacity to do exercise,” she recommends. Also, consider short bursts of intense exercise known as interval training. “Not only is research showing that this has more impact on your health with less wear and tear, but it works faster and it's easier [to do].” Here’s how: “Whatever you start to do, do it in shorter, intensive spurts,” says Clachar. “Walk briskly for 1 minute, then stop and rest. Walk briskly again for 1 minute and repeat. Or bike hard for 4 minutes and then rest.” With this method, you can pack 30 minutes of regular exercise into just 15 minutes, with less injury risk.

Bad Habit #7: Not Eating Right for Years

The antidote for years of burgers, fries and ice cream binges? Eating right, of course. Here’s an easy way to jump-start your health and get the vital nutrients you need without going on a restrictive diet: Eat one salad every day, suggests Brian Zehetner, MS, a registered dietician with Anytime Fitness in Hastings, Minnesota. “The primary reason to have a salad is because it helps to reduce the energy density of the diet,” he says. “You can eat a very large salad for very few calories.”

Plus, you’ll load up on vegetables that can give your body the nutrients it’s crying out for: vitamins C and E, selenium, beta-carotene and lots of fiber. Add 3 ounces of lean chicken, and you have a filling meal. If you eat a salad once a day for a year, you could lose up to 30 pounds without making any other major dietary changes. By just having one salad per day—for lunch or dinner—Zehetner says, your body will feel the difference.

Bad Habit #8: Staying Too Long in an Unhealthy Relationship

According to Howard Rankin, PhD, a clinical psychologist and founder of The Rankin Center for Neuroscience and Integrative Health, a bad marriage or relationship can be as hard on you as any other damaging health choice. “The impact of a negative relationship goes beyond self-esteem, into the very body itself,” Dr. Rankin explains. “Under chronic stress, the immune system breaks down, leading to a whole host of diseases. A recent study of breast cancer patients showed that many women believed that their cancer was caused by stress. Technically, no one gets cancer because of stress. But what does happen is that the suppression of the immune system by prolonged stress makes it more likely that the body can't fight off the cancer and creates an environment where cancer cells can grow.”

How can you get healthy and happy after years of being in a negative relationship? “It’s important to look at all the main relationships in your life and reevaluate which work for you and which don't,” he says. If a decades-long friendship is the culprit, cut the ties. If it’s a boyfriend who treats you poorly, move on. “Recognize that detachment is always difficult but sometimes necessary, and stay focused on the realities of the situation.” One of the best ways to give yourself a boost of happiness—and health—when doing so is to remember that there are infinite possibilities for you out there.

Bad Habit #9: Negative Self-Talk and Poor Body Image

After years of negative self-talk (“Look at how fat I am,” or “No one likes me at work because I’m not talented”), a funny thing happens, says Dr. Rankin: People tend to withdraw from social situations and intimacy. A poor or destructive self-image is also linked with depression and anxiety.

So how do you break the cycle of negativity toward yourself? “The variables that drive behavior are brain biochemistry, innate drives, habits and addictions, and relationships,” says Dr. Rankin. “Note that logic isn't in there. So you need to do things that will optimize brain function—exercise, good-quality sleep, stress management and proper diet all are critical for proper brain function.” And, because our self-image is so often affected by the people in our lives, he suggests you “hang around positive friends and ditch the people who are not on the same page as you.”

Bad Habit #10: Too Much Tanning

Did you once have a love affair with the tanning salon? There may be a ray of hope for sun-damaged skin, say experts. “There is not much one can do to undo serious sun exposure, but it is never too late to protect your skin,” says Pamela Jakubowicz, MD, a board-certified dermatologist at Montefiore Medical Center in New York. She stresses the importance of annual skin checks with your dermatologist or primary care physician.

But you can also take matters into your own hands: “Products containing retinols, soy and some antioxidants have been shown to provide some reversal of sun damage,” she explains. “Retinol is a milder form of Retin-A that makes collagen stronger and can bring about changes in the skin. Researchers believe soy makes the skin lighter when there is pigmentation from sun damage.” Fortunately, you don’t have to spend a lot of money to get products that work. Dr. Jakubowicz recommends Aveeno's Positively Radiant SPF 30 lotion, a product that contains soy, and Neutrogena Healthy Skin lotion, which is made with retinols. Also, consider your diet and activity level, says Marina Peredo, MD, an assistant clinical professor at Mount Sinai Medical Center in New York. “Adding a diet rich in omega-3s and vitamin E is a must, as is a daily exercise regimen to get the blood circulating to the face and other parts of the body.”

25 Best Nutrition Secrets

Sarah Palin is on a diet. So is Barack Obama, Glenn Beck, Oprah Winfrey, Lady Gaga, Peyton Manning, the pitching staff of the Texas Rangers, all the judges on America’s Got Talent, and the entire cast of Glee. In fact, from Chris Rock to Kid Rock to The Rock, everyone you can name is on a diet.

And so are you.

How can I be so sure? Because a “diet” isn’t something you go on and go off of, like a prescription. A diet is what you eat, day in and day out, whether you planned to eat that way or not. So when people ask me what kind of “diet” they should follow, I always tell them to follow the one they’re already on—the way you like to eat is the way you should eat. In researching the Eat This, Not That! book series and seeing people lose 10, 20, 30 pounds or more effortlessly, I've learned that if you want to make big changes to your health, forget about following somebody else’s diet. Just make a bunch of little changes to the diet you’re already following. Believe me, it’s the best way to get results. Below, I’ve listed the 25 best new nutritional tweaks you can make that will improve the way you look and feel—fast and forever!

1. Drink a second cup of coffee. It might lower your risk of adult-onset diabetes, according to a study in the American Journal of Clinical Nutrition.

2. Keep serving dishes off the table. Researchers have found that when people are served individual plates, as opposed to empty plates with a platter of food in the middle of the table, they eat up to 35 percent less!

3. Think before you drink. The average person drinks more than 400 calories a day--double what he or she used to--and alone gets around 10 teaspoons of added sugar every single day from soft drinks. Swap out sweetened teas and sodas for no-cal drinks and you could lose up to 40 pounds in a single year! (To see more proof of how wayward beverages can utterly destroy your diet, check out the 20 Worst Drinks in America. Many of these drinks contain more than a day's worth of calories, sugar and fat!)

4. Practice total recall. British scientists found that people who thought about their last meal before snacking ate 30 percent fewer calories that those who didn't stop to think. The theory: Remembering what you had for lunch might remind you of how satiating the food was, which then makes you less likely to binge on your afternoon snack.

5. Eat protein at every meal. Dieters who eat the most protein tend to lose more weight while feeling less deprived than those who eat the least protein. It appears that protein is the best nutrient for jumpstarting your metabolism, squashing your appetite, and helping you eat less at subsequent meals.


6. Choose whole-grain bread. Eating whole grains (versus refined-grain or white bread) has been linked to lower risks of cancer and heart disease.

7. Think fish. Consuming two 4- to 6-ounce servings of oily fish a week will sharpen your mind. Among the best: salmon, tuna, herring, mackerel, and trout. They're high in docosahexaenoic acid (DHA), which may reduce your risk of Alzheimer's. Study participants who had high blood levels of DHA also performed better on noverbal reasoning tests and showed better mental flexibility, working memory, and vocabulary than those with lower levels.

8. Sign up for weight-loss e-mails. Daily e-mails (or tweets) that contain weight-loss advice remind you of your goals and help you drop pounds, researchers from Canada found. We're partial to our own Eat This, Not That! newsletter, and to the instant weight-loss secrets you'll get when you follow me on Twitter here.

9. Cut portions by a quarter. Pennsylvania State University researchers discovered that by simply reducing meal portions 25 percent, people ate 10 percent fewer calories—without feeling any hungrier. Serving yourself? Think about what looks like a reasonable portion, then take at least one-quarter less than that. (By the way, studies show today's restaurant servings are 2 to 5 times bigger than what the government recommends!)

10. Turn off the TV. Scientists at the University of Massachusetts found that people who watch TV during a meal consume, on average, 288 more calories than those who don't eat with the tube on.

11. Put your fork down when you chew. Or take a sip of water between each bite—eating slowly can boost levels of two hormones that make you feel fuller, Greek researchers found.

12. Choose rye (not wheat) bread for breakfast toast. Swedish researchers found that rye eaters were more full 8 hours after breakfast than wheat-bread eaters, thanks to rye's high fiber content and minimal effect on blood sugar. As a result you'll want to snack less and eat less for lunch.

13. Eat a handful of fruit and vegetables a day. In one study, people who ate four or five servings scored higher on cognitive tests than those who consumed less than one serving. (Remember: Salad isn't always the healthy choice. Check out 20 Salads Worse Than a Whopper to see what I mean. You'll be shocked.)

14. Sip green tea. It might help you build a strong skeleton, say researchers in China, and help protect you from broken bones when you're older. And one study found that it helps fight bad breath, too.

15. Work out before lunch or dinner. Doing so will make the meals you eat right afterward more filling, according to British researchers—meaning you'll eat fewer calories throughout the day.

16. Hung over? Choose asparagus. When South Korean researchers exposed a group of human liver cells to asparagus extract, it suppressed free radicals and more than doubled the activity of two enzymes that metabolize alcohol. That means you'll feel like yourself again twice as quickly.

17. Sleep 8 hours a night. Too much or too little shut-eye can add extra pounds, say Wake Forest University researchers. Not there yet? Try these 7 simple strategies for longer, deeper sleep.

18 Discover miso soup. Brown wakame seaweed (used in miso soup) can help lower your blood pressure, especially if your levels are already high, say researchers at the University of North Carolina.

19. Drink two glasses of milk daily. People who drink the most milk have about a 16 percent lower risk of heart disease than people who drink the least. (I recommend nonfat or 1 percent milk.)

20. Take a zinc supplement. Just 15 milligrams of zinc a day (the amount found in a Centrum Ultra multivitamin, for example) will motivate your immune cells to produce more of a protein that fights off bacterial infections.

21. Go ahead, eat your favorite foods. Good eating doesn't need to be about deprivation—it's about making smart choices. Why eat a 1,000-calorie cheeseburger if a 500-calorie burger will satisfy you just the same? The bottom line: Eat foods that you enjoy, just not too much of them.

22. Choose foods with the fewest ingredients. There are now more than 3,000 ingredients on the FDA's list of safe food additives—and any of these preservatives, artificial sweeteners and colorings and flavor enhancers could end up on your plate. Do you really know what these chemicals will do to your waistline or health? Of course not. Here's a rule of thumb: If a 7-year-old can't pronounce it, you don't want to eat it.

23. Snack on popcorn. In a 2009 study, people who ate 1 cup of microwave popcorn 30 minutes before lunch consumed 105 fewer calories at the meal. Just choose the kind without butter.

24. Or snack on walnuts. Eating a handful of walnuts each day may boost your HDL (good) cholesterol fastest, while lowering your LDL (bad) cholesterol.

25. Scramble your breakfast. People who ate eggs in the morning instead of a bagel consumed 264 fewer calories the rest of the day, according to a Saint Louis University study. That’s because protein is more filling than carbs.

Friday, September 3, 2010

Gas prices dip as more drivers take to the road this Labor Day Weekend

Driving somewhere this weekend? If so, there's good news for you at the gas pump. As Steve Gelsi writes in his story today, gas prices are lower than experts predicted earlier this year, though the national average is only a few cents lower than it was this time last year.

But gas prices are kind of like real estate. Location matters. So, it's probably good I'm not driving anywhere this weekend. San Francisco's prices are still at about $3.20 a gallon.

Read Gelsi's story for more on the gas-price outlook, plus don't miss Lew Sichelman's Realty Q&A column on why it's not a good idea to tap your retirement savings to pay off your mortgage, and Robert Powell's column on a strange provision in the health-care reform law that gives health-care cost subsidies to younger retirees -- those who aren't yet eligible for Medicare -- but only some of those retirees, and only for a relatively short period of time.

Wishing you all a happy Labor Day weekend!

Monday, August 16, 2010

46 smart uses for salt

By Melissa Breyer
More from Care2 Green Living blog


How many ways can you use salt? According to the Salt Institute, about 14,000! The salt website has tons of handy tips for using salt around the house, and the best of the bunch -- plus my additions -- are listed below.


I can't think of another more versatile mineral. Salt is the most common and readily available nonmetallic mineral in the world. In fact, the supply of salt is inexhaustible.


For thousands of years, salt (sodium chloride) has been used to preserve food and for cleaning, and people have continued to rely on it for all kinds of nifty tricks.

So with its nontoxic friendliness and status as an endlessly abundant resource, let's swap out some toxic solutions for ample, innocuous, and inexpensive salt.

There are a number of forms of salt produced for consumption (and by default, housekeeping!): unrefined salt (such as sea salt), refined salt (table salt), and iodized salt. Kosher salt is sodium chloride processed to have flat crystals. And in case you're wondering, Epsom salt is an entirely different stuff: magnesium sulfate to be exact (which is a salt that I consider to be, essentially, miraculous).

Here are just a few of the many ways you can put salt to good use in your home:



In the Kitchen

Aside from all of the alchemy that salt performs in terms of baking chemistry and food flavor, salt has a number of other great applications in the kitchen.

Test egg freshness.
Put two teaspoons of salt in a cup of water and place an egg in it -- a fresh egg will sink, an older egg will float. Because the air cell in an egg increases as it ages, an older egg is more buoyant. This doesn't mean a floating egg is rotten, just more mature. Crack the egg into a bowl and examine it for any funky odor or appearance -- if it's rotten, your nose will tell you. (Bonus fact: if you have hard-boiled eggs that are difficult to peel, that means they are fresh!)

Set poached eggs.
Because salt increases the temperature of boiling water, it helps to set the whites more quickly when eggs are dropped into the water for poaching.

Prevent fruits from browning.
Most of us use lemon or vinegar to stop peeled apples and pears from browning, but you can also drop them in lightly salted water to help them keep their color.

Shell nuts more easily.
Soak pecans and walnuts in salt water for several hours before shelling to make it easier to remove the meat.

Prevent cake icing crystals.
A little salt added to cake icings prevents them from sugaring.

Remove odors from hands.
Oniony-garlicy fingers? I like soap and water, then rubbing them on anything made of stainless steel (it really works), but you can also rub your fingers with a salt and vinegar combo.

Reach high peaks.
Add a tiny pinch of salt when beating egg whites or whipping cream for quicker, higher peaks.

Extend cheese life.
Prevent mold on cheese by wrapping it in a cloth moistened with saltwater before refrigerating.

Save the bottom of your oven.
If a pie or casserole bubbles over in the oven, put a handful of salt on top of the spill. It won't smoke and smell, and it will bake into a crust that makes the baked-on mess much easier to clean when it has cooled.





Personal Care

Extend toothbrush life.
Soak toothbrushes in salt water before your first use; they'll last longer.

Clean teeth.
Use one part fine salt to two parts baking soda -- dip your toothbrush in the mix and brush as usual. You can also use the same mix dissolved in water for orthodontic appliances.

Rinse your mouth.
Mix equal parts salt and baking soda in water for a fresh and deodorizing mouth rinse.

Ease mouth problems.

For cankers, abscesses, and other mouth sores, rinse your mouth with a weak solution of warm saltwater several times a day.

Relieve bee-sting pain.

Ouch? Immediately dampen area and pack on a small pile of salt to reduce pain and swelling. More bee-sting tips here.

Treat mosquito bites.
A saltwater soak can do wonders for that special mosquito-bite itch -- a poultice of salt mixed with olive oil can help too.

Treat poison ivy.
Same method as for treating mosquito bites. (Salt doesn't seem to distinguish between itches.)

Have an exfoliating massage.
After bathing and while still wet give yourself a massage with dry salt. It freshens skin and boosts circulation.

Ease throat pain.
Mix salt and warm water, gargle to relieve a sore throat.



Around the House

Deter ants.
Sprinkle salt at doorways, window sills, and anywhere else ants sneak into your house. Ants don't like to walk on salt.

Extinguish grease fires.
Keep a box of salt near your stove and oven, and if a grease fire flares up, douse the flames with salt. (Never use water on grease fires; it will splatter the burning grease.) When salt is applied to fire, it acts like a heat sink and dissipates the heat from the fire -- it also forms an oxygen-excluding crust to smother the fire.

Drip-proof candles.
If you soak new candles in a strong salt solution for a few hours, then dry them well, they will not drip as much when you burn them.

Keep cut flowers fresh.
A dash of salt added to the water in a flower vase will keep cut flowers fresh longer. (You can also try an aspirin or a dash of sugar for the same effect.)

Arrange artificial flowers.
Artificial flowers can be held in place by pouring salt into the vase, adding a little cold water and then arranging the flowers. The salt become solid as it dries and holds the flowers in place.

Make play dough.
Use 1 cup flour, 1/2 cup salt, 1 cup water, 2 tablespoons oil, and 2 tablespoons cream of tartar. Stir together flour, cream of tartar, salt, and oil, and slowly add water. Cook over medium heat stirring frequently until dough becomes stiff. Spread onto wax paper and let cool. Knead the dough with your hands until it reaches a good dough consistency. (Read about juice dyes here.)

Repair walls.
To fill nail holes, fix chips or other small dings in white sheet-rock or plaster walls, mix 2 tablespoons salt and 2 tablespoons cornstarch, then add enough water (about 5 teaspoons) to make a thick paste. Use the paste to fill the holes.

Deter patio weeds.
If weeds or grass grow between bricks or blocks in your patio, sidewalk, or driveway, carefully spread salt between the cracks, then sprinkle with water or wait for rain to wet it down.

Kill poison ivy.
Mix three pounds of salt with a gallon of soapy water (use a gentle dish soap) and apply to leaves and stems with a sprayer, avoiding any plant life that you want to keep.

De-ice sidewalks and driveways.
One of the oldest tricks in the book! Lightly sprinkle rock salt on walks and driveways to keep snow and ice from bonding to the pavement and allow for easier shoveling/scraping. But don't overdo it; use the salt sensibly to avoid damage to plants and paws.

Tame a wild barbecue.
Toss a bit of salt on flames from food dripping in barbecue grills to reduce the flames and calm the smoke without cooling the coals (like water does).



Cleaning
Salt works as an effective yet gentle scouring agent. Salt also serves as a catalyst for other ingredients, such as vinegar, to boost cleaning and deodorizing action. For a basic soft scrub, make a paste with lots of salt, baking soda and dish soap and use on appliances, enamel, porcelain, etc.

Clean sink drains.
Pour salt mixed with hot water down the kitchen sink regularly to deodorize and keep grease from building up.


Remove water rings.

Gently rub a thin paste of salt and vegetable oil on the white marks caused by beverage glasses and hot dishes on wooden tables.

Clean greasy pans.
Cast-iron skillets can be cleaned with a good sprinkling of salt and paper towels.

Clean stained cups.
Mix salt with a dab of dish soap to make a soft scrub for stubborn coffee and tea stains.

Clean refrigerators.

A mix of salt and soda water can be used to wipe out and deodorize the inside of your refrigerator, a nice way to keep chemical-y cleaners away from your food.

Clean brass or copper.
Mix equal parts of salt, flour, and vinegar to make a paste, and rub the paste on the metal. After letting it sit for an hour, clean with a soft cloth or brush and buff with a dry cloth.

Clean rust.
Mix salt and cream of tartar with just enough water to make a paste. Rub on rust, let dry, brush off and buff with a dry, soft cloth. You can also use the same method with a mix of salt and lemon.

Clean a glass coffee pot.
Every diner waitress' favorite tip: add salt and ice cubes to a coffee pot, swirl around vigorously, and rinse. The salt scours the bottom, and the ice helps to agitate it more for a better scrub.







Laundry

Attack wine spills.
If a tipsy guest tips wine on your cotton or linen tablecloth, blot up as much as possible and immediately cover the wine with a pile of salt, which will help pull the remaining wine away form the fiber. After dinner, soak the tablecloth in cold water for 30 minutes before laundering. (Also works on clothing.)

Quell oversudsing.
Since, of course, we are all very careful in how much detergent we use in our laundry, we never have too many suds. But if someone overfills ... you can eliminate excess suds with a sprinkle of salt.

Dry clothes in the winter.
Use salt in the final laundry rinse to prevent clothes from freezing if you use an outdoor clothes line in the winter.

Brighten colors.
Wash colored curtains or washable fiber rugs in a saltwater solution to brighten the colors. Brighten faded rugs and carpets by rubbing them briskly with a cloth that has been dipped in a strong saltwater solution and wrung out.

Remove perspiration stains.
Add four tablespoons of salt to one quart of hot water and sponge the fabric with the solution until stains fade.

Remove blood stains.
Soak the stained cloth in cold saltwater, then launder in warm, soapy water and boil after the wash. (Use only on cotton, linen, or other natural fibers that can take high heat.)

Tackle mildew or rust stains.
Moisten stained spots with a mixture of lemon juice and salt, then spread the item in the sun for bleaching -- then rinse and dry.

Clean a gunky iron bottom.
Sprinkle a little salt on a piece of paper and run the hot iron over it to remove rough, sticky spots.

Set color.
Salt is used commonly in the textile industry, but works at home too. If a dye isn't colorfast, soak the garment for an hour in 1/2 gallon of water to which you've added 1/2 cup vinegar and 1/2 cup salt, then rinse. If rinse water has any color in it, repeat. Use only on single-colored fabric or madras. If the item is multicolored, dry-clean it to avoid running all of the colors together.

Monday, August 9, 2010

Wok-Seared Scallops with Tangerine Sauce

Ingredients

1 teaspoon cornstarch
Salt
1 pound sea scallops
3 tablespoons tangerine juice, plus 1 tablespoon minced tangerine zest
1 tablespoon hoisin sauce
1 tablespoon red wine vinegar
1 tablespoon soy sauce
1 teaspoon dark brown sugar
1 teaspoon chile-garlic paste
1 large garlic clove, very finely chopped
1 teaspoon very finely chopped fresh ginger
3 tablespoons vegetable oil
1 medium zucchini, halved lengthwise and thinly sliced crosswise on the diagonal
1 medium yellow squash, halved lengthwise and thinly sliced crosswise on the diagonal
1 small carrot, thinly sliced on the diagonal
4 water chestnuts, finely chopped (optional)

Directions

1. In a large bowl, mix the cornstarch with 1/2 teaspoon of salt. Add the scallops and toss to coat.

2. In a small bowl, mix the tangerine juice with the hoisin sauce, vinegar, soy sauce, brown sugar and chile-garlic paste. In another small bowl, combine the tangerine zest with the chopped garlic and ginger.
In a wok, heat 1 1/2 tablespoons of the oil over high heat until smoking. Add the scallops in a single layer and cook without stirring until they are golden on the bottom, about 3 minutes. Turn and cook until the scallops are firm, about 1 1/2 minutes longer. Transfer the scallops to a plate.

3. Add the remaining 1 1/2 tablespoons of oil to the wok along with the tangerine zest mixture and cook until fragrant, about 30 seconds. Add the zucchini, squash, carrot and water chestnuts and cook until the vegetables are crisp-tender, about 4 minutes. Stir the tangerine sauce and add it to the wok. Cook the sauce until slightly thickened, about 30 seconds. Return the scallops to the wok, stirring just until heated through, and serve.

Friday, July 30, 2010

Rare zedonk born at US wildlife reserve

30 July 2010 Last updated at 06:51 ET Help
A wildlife reserve in the US has a new star attraction after a donkey there gave birth to a foal with stripy legs.



The zedonk, named Pippi Longstocking, is a rare cross between a zebra and a donkey. She is said to be in good health and have bonded well with her mother

The owners of the Chestatee Reserve in Georgia keep the breeds the same enclosure, but said it was the first time that they had ever mated.

Lowest Mortgage Rates of 2010 Reported – Lenders Bank of America and Wells Fargo Look to Finish Week Positive

Wells Fargo and Bank of America are two of the biggest mortgage lenders in the country and they have had their troubles in the last several years as has been documented. That being said, we are currently seeing the lowest mortgage rates of 2010 reported today as Zillow.com is reporting 30 year fixed mortgage rates around 4.35% and 15 year fixed mortgage rates around 3.85%. This is great news for both lenders and borrowers.

Lenders will benefit by gaining new customers each and every day even though the new home sales number continues to struggle. When Americans see statistics showing that mortgage rates are at an all time low it will likely be the case that they at least consider a home purchase. With mortgage interest rates so low borrowers benefit by saving a large amount of money on interest over time.

Bank of America and Wells Fargo have had an interesting week of trading on the NYSE but each of these financial giants are looking to end the week on a positive note. For the week, Wells Fargo (WFC) is up .98% while Bank of America (BAC) is up 2.11% going into the open of the market on Friday.

Author: Jeremy North

Monday, July 26, 2010

New Study Shows Time Spent Sitting Could Shorten Life

(RTTNews) - A new report published in the current edition of the American Journal of Epidemiology suggests that those who spend more time sitting down may die earlier.

After a 14-year study, researchers from the American Cancer Society have found that those who spend six or more hours of their leisure time sitting down are likely to die earlier than those who sit for three hours or less.

For the study, Dr. Alpa V. Patel followed 53,440 men and 69,776 women across America between the ages of 50-74. Patel and his team found that sitting for six or more hours a day causes an increased death rate of 40 percent for women and 20 percent for men.

For the least active adults, the chance of death increased to 94 percent in women and 48 percent in men.

"It is beneficial to encourage sedentary individuals to stand up and walk around as well as to reach optimal levels of physical activity," Patel tells WebMD.

New home sales rise.....The Wall Street Journal

Sales of new, single-family houses in June rose 23.6 percent from May, though new home sales nationally were down 16.7 percent from a year ago.

The Commerce Department also reports the supply of new homes on the market represented 7.6 months worth of inventory, down from 9.6 months in May.

Sales rose in three of the nation's four regions.

In the South, which includes Virginia, Maryland and D.C., new home sales rose 33.1 percent from May. Sales in the South were down 6.1 percent from a year earlier.

The year-over-year decline in the South was the smallest annual decline among regions.

The report comes a week after Reston-based home builder NVR reported a surge in sales in the second quarter as buyers raced to beat the June 30 deadline to settle in order to qualify for the homebuyer tax credit.

NVR (NYSE: NVR) also reported new orders declined 6 percent during the second quarter, and its backlog of homes sold but not settled was down 16 percent from a year ago.



Read more: New home sales rise - Washington Business Journal

Friday, July 16, 2010

4 tips to protect you from ATM thieves... yahoo finance

ATMs are under siege more than ever from skimming. Skimming, where ATM thieves steal your PIN and account number using remote devices, is increasing dramatically. Often done by sophisticated crime rings from the Eastern bloc countries, ATM skimming is becoming a high-tech art that's hard to detect.

That's bad news for consumers. Experts say that losses from skimming are approaching $1 billion. Nearly one in five fraud victims reported having their credit card PIN or debit card ATM PIN information stolen in 2009, according to Javelin Strategy & Research. And Robert Vamosi, an analyst handling risk, fraud and security at Javelin, sees ATM skimming continuing to rise this year and next.

"Consumers aren't aware of ATM tampering," he says. "ATMs have 40 years of trust."

Skimming isn't new. It's been around for at least 10 years. What has changed is that the "technology of the bad guy is getting better and better every year," says Robert Siciliano, a security expert based in Boston. "It's up to consumers to watch their own backs."

Typically, ATM thieves use two devices to capture your PIN and card data. One device sits near where you swipe your card and reads the magnetic stripe on your card with your account number. Even more confusing, the device mimics the card slot. "The technology has evolved to a point where the molded plastic fits like it belongs there," says Siciliano. Devices are even readily available over the Internet for as little as $300.

A camera, hidden from view, captures the PIN. "You can get the data in real time," says Siciliano. "You can be in your car with a laptop remotely accessing the device."

Thieves then burn the data onto a blank card to access your money.

U.S. Secret Service spokesman Max Milien wants consumers to be warned. "The public is notified after an event," he says. And don't take bank security for granted. Fraud can occur at any bank in any part of the country. Thieves are even sending out false text alerts to get consumer data.

Banks, they say, are slow to adopt anti-skimming measures. When Javelin surveyed 25 banks, four stood out, though, for their anti-theft measures. They are Bank of America, Chase, Citibank and Wells Fargo.

Experts add that debit card users are most at risk. Typically, consumers must report fraudulent charges within two days, limiting your liability to $50. If you report ATM skimming fraud within 60 days, you're liable for the first $500 of any transaction. Siciliano adds that thieves carefully orchestrate ATM withdrawals, maxing out cash withdrawals one day and waiting until after midnight for the next stash, which quickly adds up.

Here are four tips to help you protect your account.

1. Cover your password with your hand

Hidden cameras are disguised so they can pick up your password. By protecting it, ATM thieves can't access your account.

2. Use familiar ATMs and limit your visits

ATMs in dimly lighted spots or used late at night could be more susceptible to fraud, while ATMs under video surveillance can be safer. Stay away from ATMs at retail stores or restaurants, adds Siciliano. Recently, skimming devices were found on ATMs in a popular grocery store in central Florida. Airports, convenience stores or kiosks are equally vulnerable to ATM thieves. Still, even highly trafficked ATMs outside a bank branch have been targeted by thieves.

Also, try to limit your visits to the ATM. "With frequency, there's risk," says Siciliano.

3. Check bank balances frequently

Given the two-day window for reporting fraud, it pays to check your account frequently. If you don't report fraud within 60 days, you have unlimited liability. "Sign up for alerts and notice unusual withdrawals," says Vamosi.

With credit cards there are more protections in place, and you can dispute charges."You have at least a billing cycle," says Siciliano.

4. Observe the ATM

Vamosi cautions consumers to look at an ATM to make sure a card slot is "legitimate and not tacked on." Look for things that strike you, he says. "Some people have felt that when they inserted their card, something went awry," he says. In that case, try another ATM.

When protecting your account against ATM thieves, "it's all about awareness, paying attention and understanding risks," says Sicilano. "There are 400,000 ATMs and every one of them is susceptible to fraud. The speed and convenience of technology has replaced the security of technology."

Memory loss linked to weight gain

Women who hope to preserve their memory as they grow older may want to consider shedding some excess pounds.

That’s because researchers at Northwestern University in Chicago have found a link between memory loss and weight gain in older women. Simply put, the more an older woman weighs, the worse her memory, according to the study published this week in the Journal of the American Geriatric Society.

The findings are based on 8,745 post-menopausal women, aged 65 to 79, who took a 100-point memory test. The score for normal memory is in the 90- to 100-point range. After completing the test, the score for each woman was matched to her Body Mass Index, or BMI.

It’s a standardize measure based on weight and height.

The study revealed that for every one point increase in a woman’s BMI, her memory score dropped by one point. “Any excess fat appears to be detrimental,” said Diana Kerwin, the lead author of the study.

Previous research has shown that other conditions, including high blood pressure, elevated cholesterol levels and diabetes, can affect blood flow to the brain and impair cognitive function. These medical conditions often go along with being overweight. However, even when those conditions are not present, excess weight was still tied to reduced memory among the study participants. That suggests weight, by itself, is an independent risk factor for memory loss.

Furthermore, the researchers found that some types of fat – and where it’s located – seem to be worse than others. For instance, “pear-shaped” women, who tend to pack the pounds on their hips and thighs, suffered more memory impairment than their “apple-shaped” counterparts who accumulate fat around their bellies.

Dr. Kerwin said admits she was surprised by this particular discovery because other studies have indicated that it’s normally better to have a pear-shape than an apple-shape. When fat builds up around the abdomen – the traditional apple shape – it usually increases the risk of heart disease, type 2 diabetes and some cancers. “We have quite a lot to figure out,” she said, referring to the unexpected findings related to pear and apple physiques.

Even so, Dr, Kerwin said researchers already have a few clues worth following. She noted that different types of fat release different cytokines and hormones that regulate a wide range of bodily functions. Abdominal fat, for instance, produces low levels of estrogen – which may minimize the overall negative effect of fat on older women whose ovaries are no longer producing a steady stream of the female hormone.

By studying these various substances and their specific effects on the body, researchers should gain a better understanding of how fat affects memory, said Dr. Kerwin. She added that she is already making plans to do this type of study.

Nature’s speed limit

It seems that mother nature has imposed a speed limit on how fast messages travel along nerves, and that may help explain why elephants have a lumbering gait, while mice are so fast on their feet.

Researchers at Simon Fraser University in British Columbia measured the nerve speed of a variety of mammals, ranging from elephants to shrews. They found that nerves of all the animal tested, regardless of size, conducted impulses at roughly the same speed – about 50 metres a second. That essentially means large animals are going to have a delayed reaction time compared with small creatures, because they have to transmit nerve data over much longer distances. (Think how hard it would be to catch mice in the wild with your bare hands. You may be big, but they’re nibble.)

The senior author of the paper, Max Donelan, said it’s theoretically possible for large animals to exceed the nerve speed limit – but they would require much thicker nerves. In order to have the same reaction time and sensory perception as a tiny shrew, the elephant would need, for example, a sciatic nerve with a diameter of 30 metres, said Dr. Donelan. Of course, that would be impractical.

But what they lack in speed and agility, bigger beasts the big fellows tend to compensate with increased brain power. Indeed, Dr. Donelan, whose study was published in the Proceedings of the Royal Society B, thinks the nerve speed limit may have driven large animals to become smarter. “Large animals need to think ahead and predict any changes that will occur so they have time to adapt their movements according,” he explained.

“It could be that the nervous systems of large animals evolved to become excellent predictive machines. A brain that is good at predicting movement may also become good at predicting other aspects of life,” added Dr. Donelan, who believes such forces also had a role to play in the evolution of the human brain. After all, it takes a smart person to invent a better mouse trap.

The Sunshine vitamin

Vitamin D appears to play a critical role in maintaining a healthy, well-functioning brain, two new studies indicate.

One study, involving Finish///Finnish volunteers, found that people with abnormally low levels of the nutrient were at an elevated risk of developing Parkinson’s disease, a neurological condition that results from the death of brain cells governing movement. The findings were published in Archives of Neurology.

The second study, focusing on Italian participants, revealed that older people with a severe vitamin D deficiency were more likely to have problems with memory, learning and thinking. The results appeared in Archives of Internal Medicine.

The studies, which were both released this week, add to a growing body of research that suggests vitamin D plays a much larger part in overall health than once imaged.

The vitamin is made naturally in the body when skin is exposed to sunlight. But many people have low levels of the “Sunshine vitamin” because the sun’s rays are just too weak in fall and winter to produce the nutrient. Furthermore, as people grow older, their skin becomes less efficient at making vitamin D.

“It’s estimated that one-billion people worldwide have insufficient levels of vitamin D, so this is a real cause for concern,” said the lead author of the Italian study, David Llewellyn of Exeter University in Britain.

What’s now needed, he said, is a large clinical trial to see if popping vitamin D supplements can help prevent cognitive decline in the elderly.

courtesy of the globe

Thursday, July 15, 2010

White House Unveils Free Preventative Services

By JANET ADAMY
WASHINGTON—Treatments for the prevention of alcohol abuse, depression and obesity are among the services that will be free to consumers with new insurance plans starting in September.

As part of the new health law, the Obama administration on Wednesday released rules specifying which preventive health services insurers must provide to consumers at no additional cost. Democrats hope the change will be one of the most popular early pieces of the sweeping legislation.

"Services like these will go a long way in preventing chronic illness," First Lady Michelle Obama said Wednesday.

Under the provision, health plans initiated after Sept. 23 must cover preventive health services at no additional cost to the consumer. People who stay on their existing health plans won't benefit from the change.

For adults, the list of covered services includes mammograms, colonoscopies and other cancer screenings, diabetes screenings, counseling for tobacco use and certain types of pre-natal care. For children, it includes pediatric visits, vision and hearing screening, developmental assessments, immunizations and obesity screenings.

Insurers say the changes won't be free to consumers since plans will have to raise premiums overall to offset the cost of covering these services. The Obama administration estimates that the changes will increase the cost of premiums by an average of 1.5% a year.

The regulations don't address a different slate of covered preventive services for women, which won't be determined until August 2011. The Planned Parenthood Federation of America is pushing for birth control to be included in that segment of the regulations. Screenings for HIV and several other sexually transmitted diseases qualify as free preventive care under the guidelines released Wednesday.

"Avoiding unintended pregnancy is one of the most important medical issues for women," said Cecile Richards, president of Planned Parenthood. The group wants all types of prescription birth control that is approved by the Food and Drug Administration to qualify as free preventive care.

Many preventive services, particularly vaccinations, are already covered by most insurers. By 2013, the White House says, 88 million Americans will benefit from the changes.

To determine which services qualify as preventive, government officials relied largely on existing recommendations by three groups, including the U.S. Preventive Services Task Force. The preventive services task force drew criticism last year for recommending that women delay annual mammogram services until age 50, instead of age 40. The health law effectively ignores that recommendation, making mammograms a covered preventive service at age 40 under the law.

Often because of cost, Americans use preventive services at about half the recommended rate, according to research cited by the White House. Chronic diseases, which are often preventable, are responsible for 7 of 10 deaths among Americans each year and account for 75% of the nation's health spending.

Among the obesity services that will be covered are screenings to determine a person's body-mass index, as well as other detection and counseling services. Prenatal services will include screenings for iron deficiency. For children's immunizations, flu shots will be covered.

Thursday, July 1, 2010

Hope for Patients Suffering Hair Loss From Alopecia

Losing your hair may not be the follicle death sentence that it has been for much longer, Health Day reported.

Researchers have linked alopecia areata, an autoimmune disease that causes hair thinning and hair loss in over five million Americans, to eight genes, which will likely open the flood gates for new treatments.

The researchers were surprised to find that other autoimmune diseases like rheumatoid arthritis and type 1 diabetes have already been linked to these same eight genes, so drugs already in development could be used for hair loss.

SLIDESHOW: Foods to Prevent Hair Loss

"This greatly accelerated our ability to think about new drugs for patients with alopecia areata because so much work has already been done in these other diseases," said senior study author, Dr. Angela Christiano, professor of dermatology and genetics and development at Columbia University Medical Center in New York City. "It is a huge advantage."

The Food and Drug Administration (FDA) has not yet approved any treatments for alopecia areata, which is one of the most common autoimmune diseases, according to the National Alopecia Areata Foundation.

The disease affects men and women equally, but women seek treatment more often and are, therefore, diagnosed more frequently. The disease’s progression is unpredictable and can result in losing a small patch of hair, or all of the hair on the scalp.

“It's very traumatic for men, and it's harder for them to cover it up. Hair loss is life-altering. You have lost your outward identity. You haven't changed inside, but that's not what's seen by the world," said Vicki Kalabokes, president and CEO of the Alopecia Foundation, which helped fund the research.

Christiano’s team found a correlation between the number of genes associated with alopecia areata and the severity of the condition. Those who carried at least 16 alopecia-associated genes had a higher chance of total hair loss, or alopecia universalis, the researchers found.

One gene in particular – ULBP3 – attracted the toxic cells that attack the follicle, resulting in hair loss. Researchers observed the immune system T cells, which can invade and destroy an organ, under a microscope and compared them to bees swarming around the follicle. The follicle goes dormant when this happens, so lost hair is not replaced.

"It's like putting nectar on the hair follicle, then the 'bees' come in and do their damage.”

The study was published in the July issue of the journal Nature.

Click here to read more from Health Day.

Friday, June 25, 2010

Jumping genes" make each person unique: study

Stretches of DNA known as "jumping" genes are far more common than anyone thought, and almost everyone has a unique pattern of them, U.S. researchers reported on Thursday.

They also found an unexpectedly high number of these jumping genes, known as transposons, in lung tumors and said they may hold clues to the highly deadly cancer.

"We found that if you have a child, the child could have one or more new copies of these transposons that you don't have," Scott Devine of the University of Maryland School of Medicine said in a statement.

"From these findings, we predict that there is going to be more variation in human genomes than scientists first believed," added Devine, who led the research while at Emory University in Atlanta.

The findings could help fuel a revolution that scientists hope will lead to tailored medicine and far more targeted use of drugs and other therapies to treat and prevent disease.

Transposons are sequences in the DNA code that can replicate themselves. They "jump" from one place to another on the chromosomes. Devine's team found unique transposons in more than 90 percent of the 76 people they studied, they reported in the journal Cell.

These mutations can affect the functions of other genes. Stretches of DNA right in front of or behind a gene can turn it on, turn it off, or affect the way it functions.

That people have transposons is not new. "Forty-five percent of the genome is known to be transposon sequences," Devine said. But most hopped in and are now inactive, passing down unchanged and in place from one generation to the next.

"What we are interested in are the ones that are moving around today. We found an average of 15 new insertions per person," Devine said in a telephone interview.

CHEAPER NEW TECHNOLOGY

New genetic sequencing technology made it possible to find these transposons. It costs thousands of dollars to map an individual's genome, the entire genetic sequence, but companies such as Illumina , Life Technologies , Roche and others are driving the price down.

Devine's team used Roche's 454 sequencer to find 1,145 new inserted transposons that had not been documented before.

They developed a genetic probe that would target only these active jumping genes and estimated a new insertion is happening with each generation.

The human genome has 3 billion so-called base pairs - the A, C, T and G of the genetic code. "This could affect every base pair somewhere on the planet," Devine said.

"What is that doing to people? You could imagine that doing a lot of things, causing diseases."

Each person has the same basic 20,000 genes, but each gene is made up of many base pairs and there are subtle changes unique to everyone. In addition, DNA outside the genes affects the body in ways that are only beginning to be understood.

The transposons jump into these non-coding regions, but also sometimes into the genes.

"If you think of the human genome as a manual to build a complex machine like an aircraft, imagine what would happen if you copied the page that describes passenger seats and inserted it into the section that describes jet engines," Devine said.

When they looked at brain and lung tumors, Devine's team found transposons seem to be especially busy in lung cancer but not brain cancer. One of the many next steps will be to understand why this is.

SOURCE: link.reuters.com/fuq24m Cell, online June 24, 2010.

Wednesday, June 9, 2010

Health insurance, check. But what about dental?

(Reuters) - An estimated 45 million Americans do not have dental insurance, according to a government report released on Wednesday, and recently passed healthcare reform offers little direct help.

Health

Overall most non-elderly people who already have private health coverage also have a dental policy, but roughly 70 percent of those who have to buy their own health plan do not, according to the Centers for Disease Control and Prevention report.

Under the health reforms passed in March, adults must buy health insurance or pay a fine starting in 2014. The law does not require them to buy other types of coverage like dental or vision, although some comprehensive health care plans include the additional coverage.

While health plans must cover at minimum services like emergency care and prescription drugs, they do not have to cover oral care for adults. Dental care for children is required.

Some advocates pushed for a wider dental component in the bill, pointing to the larger impact of oral health on conditions like heart disease and diabetes.

Among the 172 million people under 65 who already have private health insurance, nearly three-quarters have dental insurance too, mostly through an employer, the CDC's National Center for Health Statistics said.

The survey found that among those with dental coverage, 33 percent had a comprehensive plan with dental coverage, while 26 percent had a stand-alone plan. Fourteen percent had both.

Among those with employer-sponsored care, just 20 percent lacked a dental plan.

The CDC's statistics unit analyzed data from its 2008 nationwide survey of 65,495 people under age 65.

INCOME FACTOR

Not surprisingly, the researchers found a direct link between income and access to care. The higher a person's income, the more likely they were to have dental coverage.

An estimated 90 million Americans get health insurance through Medicare and Medicaid, which do not cover dental care for adults. But researchers Barbara Bloom and Robin Cohen said they could only look at private sector "because of the limited or nonexistent public coverage for dental care."

It is not clear how the new healthcare law will affect the dental insurance industry. Like its health insurance counterpart, the sector lobbied against any government-run health program while seeking to boost funds for dental care under Medicaid.

Medicaid, which serves 45 million low-income people, pays for dental care for those under 21, but patients can have trouble finding dentists. A separate government program, the Children's Health Insurance Program, also provides limited dental care.

Older Americans can buy separate dental policies from insurers.

Health insurers that offer dental plans include Aetna Inc, Cigna Corp, UnitedHealth Group Inc, Humana Inc, and Assurant Inc, according to the Association for Health Insurance Plans, which represents about 80 percent of all U.S. dental insurance plans.

Most Blue Cross Blue Shield Association plans, MetLife, and Principal Financial Group Inc also offer dental coverage, the industry's lobby group said.

(Reporting by Susan Heavey; Editing by Maggie Fox)

Wednesday, June 2, 2010

FTC pushes back identity theft rules deadline -- for fifth time - Businesweek

The Federal Trade Commission (FTC) has once again pushed back its enforcement deadline for an identity theft --lated regulation called the Red Flags Rule.

The rule requires financial institutions and other organizations that extend consumer credit to develop and implement written policies for detecting and preventing identity theft.

Before this latest deadline change, the FTC was to have started enforcing the rule on June 1. Under the new deadline, it will now start doing so only after Jan. 1, 2011.

The FTC noted in a statement that the delay was prompted by requests from "several members of Congress" who are working on limiting the scope of the Red Flags Rule.

In the statement, the FTC expressed hope that Congress would work quickly on addressing certain "unintended consequences" of the legislation.

The FTC has previously delayed enforcement of the rule on four different occasions, the most recent being in October 2009, when it pushed the deadline back from Nov. 1 to June 1 of this year.

Today's extension comes just days after the American Medical Association (AMA), along with the American Osteopathic Association (AOA) and the Medical Society of the District of Columbia (MSDC), filed a lawsuit against the FTC, demanding that physicians be excluded from the requirements of the Red Flags Rule.

The lawsuit alleged that the Red Flags Rule was meant primarily for the banking sector, but was written so broadly that it now unintentionally covers physicians as well.

The suit follows almost two years of efforts by the AMA and the other two organizations to get the FTC to exclude physicians from the law. In January this year, the AMA, the AOA and two other groups formally petitioned the FTC to exempt physicians from the rule.

The recent lawsuit was filed after the FTC rejected the request.

"For two years, the AMA has made the case to the FTC that physicians are not creditors like banks and lenders, and the misguided red flags rule should not apply to them," a statement announcing the lawsuit noted.

The FTC's decision to apply the rule to physicians regardless of such complaints is 'arbitrary, capricious and contrary to the law', the lawsuit alleged.

The Red Flags Rule was developed as part of the Fair and Accurate Credit Transactions Act (FACTA) and went into effect in January 2008. The original compliance deadline for the rules was Nov. 2008, but it has been pushed back repeatedly largely as a result of concerns in Congress about the applicability of the rules to organizations other than financial institutions.

The FTC has argued that unless the rule is tweaked by Congress, it applies equally to any entity that extends credit to consumers in any form -- like a physician would, for example, when waiting for an insurance company to make payments for services rendered earlier.

According to the FTC, entities that are covered under the Red Flags Rule include finance companies, auto dealers, mortgage brokers, health providers and telecommunications companies.

It's a position that has been challenged before. Last October, a federal court in Washington D.C ruled that the regulations could not be applied to lawyers and other legal professionals as the FTC had argued it did. The ruling was in response to a lawsuit brought by the American Bar Association against the FTC.

The AMA lawsuit argues that physicians who do not require or collect immediate payment from patients cannot be considered to be creditors, under Red Flags rules.

It also noted that requiring physicians to collect and investigate each patients identity would impose too high of an administrative burden on them and erode a lot of the patient-physician trust relationship.

Friday, May 28, 2010

Brush teeth to 'prevent' heart disease

By Emma Wilkinson Health reporter, BBC News

Dentists recommend brushing twice a day People who fail to brush their teeth twice a day are putting themselves at risk of heart disease, research suggests.

The Scottish study of more than 11,000 adults backs previous research linking gum disease with heart problems.

The researchers said more work is needed to confirm if poor oral health directly causes heart disease or is a marker of risk.

A charity added that oral hygiene was just one factor in good heart health.

It is known that inflammation in the body, including in the mouth and gums, has an important role in the build up of clogged arteries, which can lead to a heart attack.

But this is the first time that researchers have looked at whether the frequency of teeth brushing has any bearing on the risk of developing heart disease.

If you don't brush your teeth, your mouth can become infected with bacteria which can cause inflammation, Judy O'Sullivan British Heart Foundation

Data, published in the British Medical Journal was collected on lifestyle behaviours, such as smoking, physical activity and oral health routines.

Participants were also asked how often they visited the dentist and how often they brushed their teeth.

Then nurses collected information on medical history and family history of heart disease, took blood pressure and blood samples.

Overall, six out of 10 people said they visited the dentist every six months and seven out 10 reported brushing their teeth twice a day.

Over the eight-year study there were 555 "cardiovascular events" such as heart attacks, 170 of which were fatal.


Taking into account factors that affect heart disease risk, such as social class, obesity, smoking and family history, the researchers found those with the worst oral hygiene had a 70% increased chance of developing the condition compared with those who brush their teeth twice a day.

Those with poor oral hygiene also tested positive in blood samples for proteins which are suggestive of inflammation.

Cause and effect

Study leader Professor Richard Watt, from University College London, said future studies will be needed to confirm whether the link between oral health behaviour and cardiovascular disease "is in fact causal or merely a risk marker".

Judy O'Sullivan, senior cardiac nurse at British Heart Foundation, said: "If you don't brush your teeth, your mouth can become infected with bacteria which can cause inflammation.

"However, it is complicated by the fact that poor oral hygiene is often associated with other well known risk factors for heart disease, such as smoking and poor diet."

She added: "Good personal hygiene is a basic element of a healthy lifestyle.

"But if you want to help your heart, you should eat a balanced diet, avoid smoking and take part in regular physical activity."

Professor Damien Walmsley, scientific adviser to the British Dental Association, added it was still unclear whether there was a definite cause and effect between oral hygiene and heart disease.

"Whatever the true position is, we can say with certainty that if people brush teeth twice a day with fluoride toothpaste, visit the dentist regularly and restrict sugary snacks to mealtimes; that this will go a long way towards keeping the teeth and gums in a healthy state for life."

Thursday, May 27, 2010

Tanning Beds Up the Risk For Cancer - ABC News

Indoor tanning is associated with a 74 percent higher risk of melanoma, researchers said.


New study warns that indoor tanning can raise risk of melanoma by 74 percent.
And, in a large case-control study, some forms of indoor tanning machines were associated with a four-fold increase in the risk of skin cancer, according to DeAnn Lazovich, of the University of Minnesota, and colleagues.

The risk rose depending on years of use, hours of use, or number of sessions, Lazovich and colleagues said online in Cancer Epidemiology, Biomarkers & Prevention.

The finding “provides strong support” for a recent declaration by the World Health Organization’s cancer research agency that the devices are carcinogenic, the researchers concluded.

“The take-home message is that indoor tanning is not safe,” Lazovich said in a video prepared by the University of Minnesota.

Tanning salons are increasingly popular in the U.S. and their rise has been paralleled by increasing incidence of melanoma, the researchers noted.

Wednesday, May 26, 2010

Think Long-Term when dealing with Hypertension

Think long-term when dealing with hypertension

May 26, 2010

Hypertension, an abnormally high blood pressure, is often called the silent killer. As increased pressure causes wear and tear on organs, in many patients, there is no outward sign or symptom. The end can come quickly with a sudden stroke or heart
attack. Conversely, the end may be more gradual from complications of kidney failure. Good treatment is important.

Regarding treatment, it is important to focus on how long a drug dosage will last. As it turns out, the best medicines are long-acting drugs. Unfortunately, not all medications measure up.

The goal for treatment is to keep blood pressure below 140/90 in patients with no risk factors, or below 130/80 for patients with diabetes and/or kidney disease.

The medical literature now refers to patients with a systolic blood pressure (the top number) between 120 to 139 or a diastolic blood pressure (the bottom number) between 80 to 89 as being pre-hypertensive and deserving of early intervention.

There is no doubt that lower is better. The question becomes, "What is the best therapy?"

While certain classes of drugs have become very popular (the ARBs, ACE inhibitors, beta-blockers, diuretics and calcium channel blockers) not all members of each class last for long periods.

There is a rule of thumb — drugs that act quickly wear off quickly. Conversely, drugs that take a long time to act last a long time. While many factors control drug activity, the main influence is the time it takes to clear a medication from the body.

Years ago, many medications controlled blood pressure for only six to eight hours. Toward the end of this time, another dose of the medication was needed.

This would leave a patient with gaps of time during which blood pressure would spike, especially if a dose was missed.

There is an increased risk for heart attack or stroke when blood pressure spikes. An example is the increased incidence of heart attack at 5 or 6 a.m. It is well known that the body produces a surge of adrenaline at about 5 a.m. in most people to awaken them for their day. Adrenaline, also known as epinephrine, increases blood pressure, heart rate and stress on the heart.


Fortunately, the pharmaceutical industry has developed medications that last 24 hours or longer. This allows hypertensive patients to use combinations of medications which provide even blood pressure control, usually with no more than
twice-a-day dosing.

In order to prove such control to your satisfaction and your doctor's, home blood pressure records are critical. I always ask patients to take blood pressures primarily in the mornings and to record them in a log. This can be taken to the doctor for perusal at checkup time and is a wonderful help when altering your medical regimen. I do not recommend the purchase and use of wrist blood pressure cuffs, which I often have found correlate poorly with cuffs used in the clinic setting.

Modern home blood pressure cuffs, for use on the arm, are cheap, automated and have a memory backup.

Remember that blood pressure control needs to be uniform, even and adequate over a 24-hour period.

Visiting your doctor for regular checkups, taking medications as prescribed and monitoring your blood pressure at home can help you maintain your cardiovascular health.

Dan Gold is a board-certified family physician who treats U.S. military veterans in Great Falls. E-mail him at thehealerscorner@mac.com.

Monday, May 24, 2010

8-phony-bargains-and-better-alternatives:

by: Caroline E. Mayer

Big discounts! Big sales! Big freebies! Enticing deals abound, but you need to distinguish those from the raw deals masquerading as bargains. Many of them come with so many strings attached that they could cost you plenty. (Those frequent-flier rewards cards, for example? They often cost you a bundle -- and the airline miles are often more restrictive and harder to use than what you'd get from a cash-back credit card.)


For consumers, a little homework goes a long way. Here are eight would-be deals to steer clear of, as well as our suggestions for better options.

1. Unlimited Long Distance

Many telephone plans bundle "free" unlimited long-distance service with local calling service. If you don't make a lot of long-distance calls -- or if you make a lot of them from your cell phone -- these plans may not be cost effective. A bundled plan typically costs about $20 more than a local plan, but the average American consumer makes fewer than two hours of long-distance phone calls a month, according to the Federal Communications Commission. That's about 17 cents per minute.

Better Deal: Skip the extra fees, and buy your long-distance service from a reseller such as ECG or Pioneer Telephone. These companies buy their long-distance service wholesale from the larger telecommunications firms but offer the same general quality for far lower prices, billing by the minute or fraction thereof. (ECG charges 2.5 cents a minute for interstate phone calls; Pioneer's price is 2.7 cents.)

Alternately, sign up for a voice over Internet protocol (VoIP) plan from a carrier like Vonage, whose plans start at $15 a month (climbing to $26 after a six-month trial) for both local and long distance. Calls travel over the Internet, though, so you need a stable, active cable or DSL Internet connection for this to work.

2. Frequent-Flier Rewards Cards

Credit card rewards tied to airline miles or gift points were the earliest players in the sector, but it's time to dump them. For one thing, the benefits have shrunk, particularly on airlines: They've increased the number of miles needed for a free flight; reduced flight schedules, making free seats harder to find; and, in some cases, imposed a booking fee on rewards flights.

On certain rewards cards, annual fees may also outweigh the benefits. The perks-laden American Express Platinum, which costs $450 a year, offers a complimentary airline ticket for every first- or business-class fare purchased on select international flights, plus a business-class fare purchased on plus a concierge service, free access to airport lounges, and other bonuses. It all sounds great, especially if you are booking lots of international business-class travel. But if not, you just paid $450 to have someone else make your restaurant reservations.

Better Deal: Try cash-reward cards instead. Airline miles and gifts are fine, but if you have the cash in your wallet, you can make your own purchasing decisions. Peter Flur of Credit Card Goodies, a 10-year-old Web site that monitors rewards cards, recommends Blue Cash from American Express, which offers up to 5 percent cash back on purchases at gas, groceries, and drugstores, as well as 1.25 percent on all other purchases once a cardholder rings up $6,500 in purchases any given year.

3. Checking Accounts That Pay Interest

Interest-bearing checking accounts at traditional brick-and-mortar banks often pay only 0.13 percent interest but require high minimums to avoid a monthly maintenance fee. On, for instance, a deposit of $3,400 -- the average minimum required to avoid monthly fees, according to Bankrate.com data -- that amounts to just $4.42 in annual interest.

Better Deal: In this low-interest environment, forget about getting any interest from your checking account, advises Richard Barrington, an analyst with MoneyRates.com. Instead, look for a no-fee checking account -- and "be sure to check the minimum balance requirement," Barrington says. "These minimums have been rising, so make sure it's a minimum balance you can realistically maintain."

Meanwhile, if you have extra cash, shop around for banks and credit unions that offer good deals. Mike Moebs, an economist whose firm surveys bank fees says there are a few banks and credit unions that combine checking and money-market deposit accounts into one, offering a high rate on balances over $2,500.

4. Overdraft Protection

Many banks used to offer it automatically when you opened an account, making it sound like a valuable safeguard. After all, if you bounced a check or tried to withdraw more cash from the ATM than you had in your account, you wouldn't suffer any embarrassment when the bank refused to process a transaction.

But consumer advocates long argued that overdraft protection was just a way for banks to earn money at your expense, charging $20 to $35 per overdraft -- a substantial penalty, considering the typical transaction prompting the overdraft fee is $20. That's why the government has ordered new rules to take effect this summer that will require banks to get your approval before enrolling you in overdraft protection.

Better Deal: If you want back-up protection without the overdraft fees, consider setting up a savings account linked to your checking account so funds can be transferred in case of an overdraft. There may still be a fee to transfer funds between accounts, but it's typically lower -- only $10.

Meanwhile, keep a careful tab on your bank account balance: If you opt out of overdraft protection and then make an ATM or debit-card transaction that exceeds your balance, your transaction could be denied.

5. Extended-Warranty Protection

Don't buy additional warranty coverage for electronics and major appliances. For one thing, some repairs are already covered by the standard manufacturer warranty. And Consumer Reports' researchers have found that products seldom break within the extended-warranty window -- and that when electronics and appliances do break, average repair costs are about as much as an extended warranty.

Better Deal: Check the fine print on your existing Visa, MasterCard or American Express. Many of these cards, particularly if they are platinum or gold, will extend the warranty for a year. "It's one of the greatest freebies from credit card companies ever," says Edgar Dworsky, a consumer lawyer and founder of the Consumer World Web site. The warranty protection varies, so review the policies on your existing cards before you make a purchase -- then use the one offering the best warranty protection.

6. Going-Out-of-Business Sales

They don't offer the bargains you'd expect -- at least at the outset, when the promoted discounts are usually off the full retail price. That "30 percent off" sale may not be any better than the deals you could get before the liquidation process started. In some cases, you may actually be better off buying from a rival store that is trying to compete with the bankrupt retailer -- and will be around to take care of any problems after the liquidating store is out of business.

Better Deal: Shopping robots, such as PriceGrabber.com and Shopping.com, are good places to comparison shop and may be particularly useful before visiting any liquidation sale, says Dworsky. One of his favorite sites, PriceSpider.com, posts historical prices; the range of prices should help you determine whether the price is likely to hold or continue to drop.

7. Paying for a Credit Report

Despite its name, FreeCreditReport.com is not gratis. Here's what the fine print really says: Order your free report and you get a seven-day free trial membership in a credit-monitoring service. If you don't cancel within seven days, you'll be billed $14.95 a month until you bail out. Be wary of other sites making similar come-ons.

Better Deal: Visit AnnualCreditReport.com instead -- the government-approved Web site where you can get a free credit report from each of the three major credit bureaus once a year. It won't give you your actual credit score, but most people don't need it. (The exception: If you're actively shopping for a loan right now, go to myFICO.com to get your current score -- and a report from Equifax or TransUnion -- for $16.)

If you're merely curious about how lenders perceive your credit record, you can get a good estimate of your credit score for free at CreditKarma.com. You can also try the credit score estimator at Credit.com; you will probably need your actual credit report to answer some of the site's key questions, such as the age of your oldest credit account and the number of outstanding loans and credit cards.

8. Fraud Alerts

Don't pay for identity-theft-protection services that automatically put fraud alerts on your credit report. You can do that yourself; it's easy -- and free. But be careful: Don't put a fraud alert on your credit report as a general matter, because that means you can't easily open new accounts. You should use fraud alerts only if you've had your wallet stolen or something else has happened to put you at real risk.

Better Deal: Review your monthly credit card and bank statements regularly to make sure there are no unauthorized charges. Also, don't forget to obtain a copy of your free credit report annually from each of the three major credit bureaus -- using AnnualCreditReport.com, of course.

Pediatricians say most kids under 4 should learn to swim!

By Sabriya Rice
CNN Medical Producer

Parents should consider swimming lessons for most children between ages 1 and 4, the American Academy of Pediatrics urges in new guidelines on drowning prevention and water safety. The guidance is a change from previous recommendations.

“In light of new research that has revealed that swim instruction for children 1 to 4 years of age may decrease drowning, it is reasonable for the AAP to relax its policy regarding the age at which children should start learning water-survival skills,” the authors say in the report.

Previously, the AAP discouraged swimming lessons for this age group, noting a lack of evidence on whether these children were developmentally ready. The new guidelines, however, do not extend to all children under 4. The AAP still does not recommend swimming lessons before age 1, and says children with motor or cognitive disabilities may not be not be ready for swimming lessons until a later age.

Drowning is the second-leading cause of death for children ages 1 to 19, according to the AAP report. New data from the U.S. Consumer Product Safety Commissions finds children between the ages of 1 and 2 represent 47 percent of submersion injuries and 53 percent of fatalities for children younger than 15. In light of those statistics, the CPSC launched Poolsafety.gov as as an educational resource for parents, providing pool safety videos and links to resources on drowning prevention.

“Children need to learn to swim,” say the authors of the Pediatrics report. But they also warn parents not to equate swimming lessons with “drown proofing.” They recommend a multilayered safety approach because, as they note, even children with advanced swimming skills can still drown. Beside swimming lessons, here are three additional things parents can do:

Fence in your pool: Many parents do not consider putting fencing around large inflatable pools,the AAP says, and because these pools are considered to be potable, they fall outside of many state regulations. The AAP recommends parents install a four-sided fence that is at least 4 feet high if you have any kind of pool in your back yard. The American Red Cross also offers a home pool maintenance class online to help you ensure your pool is set up properly. The two-hour class costs $19.95 and you receive a manual to keep at your home.

Learn CPR: According to the NIH, “all parents and those who take care of children should learn infant and child CPR if they haven't already.” But note that CPR recommendations vary by age group. You can find a CPR training class near you through the American Heart Association, and the National Institutes of Health has guidelines for performing CPR on children between the ages of 1 and 8.

Purchase the proper gear: The AAP warns against using inflatable swimming aids because they can easily lose air and they “are not designed to keep swimmers safe.” On the academy's website, parents can view a list of the types of personal flotation devices approved by the U.S. Coast Guard.

Editor's Note: Medical news is a popular but sensitive subject rooted in science. We receive many comments on this blog each day; not all are posted. Our hope is that much will be learned from the sharing of useful information and personal experiences based on the medical and health topics of the blog. We encourage you to focus your comments on those medical and health topics and we appreciate your input. Thank you for your participation.

Posted by: Sabriya Rice -CNN Medical Producer
Filed under: Children's Health • Uncategorized

Wednesday, May 19, 2010

COLD OR THE FLU?... how to tell the difference



How to Tell the Difference Between a Cold and the Flu
The cold and flu are both respiratory illnesses, but they are caused by different types of viruses. Flu symptoms usually come on quickly (within 3-6 hours) and consist of a fever, body aches, dry cough, and extreme tiredness. Cold symptoms are less severe and people experience a stuffy nose, productive cough, slight tiredness, and limited body aches.


Is it a Cold or the Flu?

Whether you need to know the answer now or you’re looking into it for future purposes, we can help. Use the interactive tool below as a quick reference to determine if what you have is just a cold — or if it’s the flu. Remember that if you are experiencing flu-like symptoms, it is better to act fast and speak to your doctor within 12 to 48 hours. We’ve prepared a list of helpful questions to ask your doctor to help you make the most of your visit.

Tuesday, May 18, 2010

Bedbugs Seen More In North America


Health experts said bedbugs are becoming more of a problem in apartments and hotels.

The wingless insects feed upon warm-blooded animals. Their population is on the rise in North America. For travelers, that means the bugs can be found in hotel rooms, according to the Good Housekeeping Institute.

The website BedBugRegistry is a free database where travelers report their experience at various hotels.

The institute advised checking the site before reserving rooms.

Adult bedbugs are reddish-brown and about the size of an apple seed.

"Pull back the bedspread and the bed sheet and look along the mattress seam," said the institute's Christina Peterson. "You also want to open the dresser drawer and look inside and check behind the dresser drawer."

Another good tip is to keep luggage off the floor. Place the luggage on a luggage rack, and check it before packing up, Peterson said.

Monday, May 17, 2010

Foreclosure Process

Foreclosure Process

Foreclosure processes are different in every state. If you are worried about making your mortgage payments, then you should learn about your state's foreclosure laws and processes. Differences among states range from the notices that must be posted or mailed, redemption periods, and the scheduling and notices issued regarding the auctioning of the property. However, a general understanding of what to expect can be found on our foreclosure timeline.

In general, mortgage companies start foreclosure processes about 3-6 months after the first missed mortgage payment. Late fees are charged after 10-15 days, however, most mortgage companies recognize that homeowners may be facing short-term financial hardships. It is extremely important that you stay in contact with your lender within the first month after missing a payment.

After 30 days, the borrower is in default, and the foreclosure processes begin to accelerate. If you do not call the bank and ignore the calls of your lender, then the foreclosure process will begin much earlier. At any time during the process, talk to your lender or a housing counselor about the different alternatives and solutions that may exist.

Three types of foreclosures may be initiated at this time: judicial, power of sale and strict foreclosure. All types of foreclosure require public notices to be issued and all parties to be notified regarding the proceedings. Once properties are sold through an auction, families have a small amount of time to find a new place to live and move out before the sheriff issues an eviction.

Judicial Foreclosure. All states allow this type of foreclosure, and some require it. The lender files suit with the judicial system, and the borrower will receive a note in the mail demanding payment. The borrower then has only 30 days to respond with a payment in order to avoid foreclosure. If a payment is not made after a certain time period, the mortgage property is then sold through an auction to the highest bidder, carried out by a local court or sheriff's office.

Power of Sale. This type of foreclosure, also known as statutory foreclosure, is allowed by many states if the mortgage includes a power of sale clause. After a homeowner has defaulted on mortgage payments, the lender sends out notices demanding payments. Once an established waiting period has passed, the mortgage company, rather than local courts or sheriff's office, carries out a public auction. Non-judicial foreclosure auctions are often more expedient, though they may be subject to judicial review to ensure the legality of the proceedings.

Strict Foreclosure. A small number of states allow this type of foreclosure. In strict foreclosure proceedings, the lender files a lawsuit on the homeowner that has defaulted. If the borrower cannot pay the mortgage within a specific timeline ordered by the court, the property goes directly back to the mortgage holder. Generally, strict foreclosures take place only when the debt amount is greater than the value of the property.