Blog

Displaying blog entries 21-30 of 219

8 Gym-Free Ways to Burn 100 Calories

by Alexandra Zega
 

Some days you’re just not up to a heart-thumping Spin class. Or maybe working out just isn’t your idea of a good time. Well, here’s some great news: You can melt away fat while having fun and without stepping foot in the gym. Try these eight no-sweat tricks for burning 100 calories while doing stuff you love (think gardening, hosting a party and playing with your pooch). Slimming has never been so enjoyable—or so simple!

Can you dig it?
Sow pumpkin seeds in July and you’ll reap jack-o’-lanterns by Halloween. Spend 21 minutes tilling soil and planting in your backyard to meet your triple-digit goal. Think of growing as a way of shrinking!

Have a doggone good time
Leash your canine companion and head to the dog park at a relaxed pace to burn 30 calories in 10 minutes. At the park, use the leash to jump rope for four minutes to zap 40 calories. (If your leash is too short, use a jump rope as a leash.) Stroll back home to erase another 30 calories.

Create a night to remember
Check event listings for an outdoor screening of an oldie but goody movie. Prepare and pack a picnic (20 calories in 10 minutes), lug it from the car to the grass (18 calories in 5 minutes), and toss a Frisbee for 20 minutes as you wait for the opening credits (64 calories). Then kick back, relax, and enjoy the show. Those 100 calories? Hasta la vista, baby.

Kick it old-school
Time to relive those carefree childhood summers. Bring a kite to the park or beach, wait for a big gust of wind, and then fly high! You’ll blow away 100 calories in 12 minutes. Or pull on a pair of roller skates and take off (with a helmet, naturally), doing your best figure eights and spins whenever possible (100 nixed in 14 minutes).

Go coupon-crazy
Surf Groupon.com to find great deals on adventures near you. Redeem a coupon for rock climbing, one of the site’s frequently discounted activities, and you’ll burn 100 calories in 9 minutes while scaling a wall. Or nab an amusement park day pass, another site favorite, and you’ll lose 100 in 31 minutes as you meander from ride to ride.

Suit up
Have a diving contest! Spend 30 minutes competing off the diving board at your local pool—cannonballs count (95 calories). Cap it off with 5 minutes in the whirlpool (5 calories). Everyone wins!

Lean and limber
Stretching feels good, protects you from injury and torches 2.7 calories a minute, more than twice as many as sitting. Spend 6 minutes daily working on your flexibility to zap more than 100 calories in a week.

Host a dinner party
Turn off Top Chef and become one yourself. Between chopping and table setting, you’ll burn 100 calories in 38 minutes. SELF’s Chicken and Cheese Sliders recipe takes about that long to whip up. And it’s a crowd-pleaser! Serves 4

Vegetable oil cooking spray
1 green bell pepper, chopped
½ medium red onion, chopped
2 cloves garlic, chopped
1 bone-in skinless chicken breast (about 6 oz)
½ cup store-bought barbecue sauce
¼ can (7 oz) chipotle peppers in adobo
8 small whole-wheat buns (such as Pepperidge Farm Wheat Sliders)
½ cup grated aged cheddar
8 cherry tomatoes, sliced
2 cups sprouts (such as arugula or broccoli)

Coat a medium saucepan with cooking spray. Cook bell pepper, onion and garlic in pan over medium heat, stirring, three minutes. Add chicken, barbecue sauce, chipotles and ¼ cup water; cover and simmer until chicken reaches an internal temperature of 165º, 25 to 30 minutes. Remove chicken from sauce; place on a plate to cool for five minutes. Use a fork to pull meat off bone and shred; return meat to pan and toss to coat with sauce. Heat oven to 400º. Open buns and set on a baking sheet covered with foil. Distribute chicken evenly among bottom half of each bun (about 2 tbsp per bun); top each with 2 tbsp cheese. Bake until cheese melts and bubbles, four to five minutes. Top with tomatoes, sprouts and bun cap; serve immediately.

THE DISH 374 calories per 2 sliders, 8 g fat (2 g saturated), 52 g carbs, 8 g fiber, 27 g protein

(c) Lucy Danziger and the staff at SELF

5 Foods that keep you thin

by Alexandra Zega

 

It's true: Apples can help you stay thin. (Thinkstock)

It's true: Apples can help you stay thin. (Thinkstock)

 
Take a look around any book store, and you'll find dozens of diet books lining the shelves. Despite their bright and cheerful covers, with their positive, upbeat claims, many of them are filled with information that promotes all the wrong messages.

"The word 'diet' is negative and implies people can go on and off them," said Jane Korsberg, a senior instructor in the department of nutrition at Case Western Reserve University in Cleveland.

Korsberg is one nutritionist who thinks it would be better to re-think the whole concept of dieting.

"'Diet foods' are confusing to many people," she explained. "What diet is the 'diet food' geared for? Is it low-calorie, low-fat, low-sodium, low-sugar, gluten-free, et cetera?"

Besides, many of the foods that specifically target dieters seem to rarely satisfy. Take those 100-calorie snack packs, for example, made to help people control calories. Those often don't even work, Korsberg says. After all, few people actually stop at only one pack.

You don't need fancy plans or complicated point systems to be thin. All you need to do is make smart food choices, watch your portion sizes and stay active.

"Learning to eat properly for a lifetime is more beneficial," Korsberg said. "The emphasis should be on choosing healthful foods every day and changing lifestyles for the better."

So instead of sticking to diet fare, fill up on nutritious, wholesome foods. And if you need some recommendations, you can start with these five options, which are among the many delicious foods that make a good addition to healthy eating while keeping you slender.


Apples

Apples are a good source of dietary fiber. Dietary fiber not only contributes to a healthy digestive system and reduced cholesterol, but it also benefits smart eaters by yielding no calories while keeping them satisfied.

And there's something else about the fruit that might help you feel full. A study in the journal "Appetite" found that when women added either three apples or three pears to their daily meals, they lost more weight than people who added three oat cookies to their diets -- even though the fruit and the cookies contained the exact same amount of dietary fiber.

Although the reason behind this finding may be a mystery, there is something to be said for the findings. According to Alan Aragon, a nutritionist and author of "Girth Control: The Science of Fat Loss & Muscle Gain," crunchy foods in particular can trick a person into feeling fuller. The act of chewing may send satiety signals to your body, he says, making you think you've eaten more than you really have and keeping hunger at bay.


Almonds

If you're looking for a tasty midday snack, a handful of almonds are a well-regarded option. A study in 2009 in "The American Journal of Clinical Nutrition" found that women who ate nuts at least two times a week were more successful at keeping weight off than those who didn't eat this food.

One particular favorite among some nutritionists is almonds, says Aragon. One ounce of this food contains only 167 calories, plus it packs roughly 6 g of protein and 3 g of fiber, both nutrients that can make you feel full. Furthermore, like apples, almonds are crunchy and require a lot of chewing, so they, too, can make you feel like you've eaten more than you actually did and keep you fuller longer.


Salmon

If you're uncertain about fish, there's no need to fear. Seafood can be part of a healthy diet. And there's some evidence that the fat in foods such as salmon can boost satiety levels, says Aragon. For example, a study published in the "International Journal of Obesity" found that when dieters ate salmon a few times a week, they lost about two more pounds than those who didn't include seafood in their meals.

And in spite of the mention of salmon's fat content, the food is relatively low in calories. One 3-oz. serving has just 175 calories. Salmon is a good source of protein as well.


Eggs

There's no doubt that protein, like fiber, has impressive satiating powers. And while eggs seem to have a bad reputation in some circles, there can be no contesting their ability to help keep your weight in check.

Research has shown that eating eggs at breakfast can help you fight weight gain all day long. A study reported in 2008 in the "International Journal of Obesity" found that when dieters ate two eggs for breakfast for five days out of the week, they lost 65 percent more weight than dieters who consumed a bagel in the morning. Although protein is likely to fill you up whenever you eat it, some scientists suspect that having more in the morning can keep you feeling fuller all day long.


Tomatoes

It's true that most veggies make for great diet fare. Non-starchy vegetables in particular, such as carrots, celery and spinach, are filled with fiber. Like other foods high in fiber, they can help keep you feeling satiated.

Plus, they're pretty self-regulating, says Aragon. You can't really overeat with nonstarchy vegetables. After all, how many baby carrots can a person eat without needing to dunk them in some ranch dressing?

So while there are many veggies that can help you stay slim, tomatoes might be a particularly good option because they're so tasty. And, besides, with that whole a-tomato-is-a-vegetable-no-it's-a-fruit argument, you might have forgotten all about eating them. One cup of cooked, red tomatoes contains just 43 calories, but tastes just as delicious as any number of high-calorie foods.

And that's at least half the secret, finding foods that are both healthy and tasty. The good thing is, they do exist. Over time, you'll discover what wholesome, filling foods you prefer, expanding your choices while shrinking your waistline.

 

(c) Livestrong.com, Kristin McGrath

5 Tax Friendly State for Retirees

by Alexandra Zega

(c) by Mary Beth Franklin
Kiplinger'sPersonalFinance

Where's the best state for you to retire? Here's a good place to start your search: These five impose the lowest taxes on retirees in the contiguous U.S., according to our research. All these retiree tax heavens exempt Social Security benefits from state income taxes. Many of them exclude government and military pensions from income taxes, too, or offer blanket exclusions up to a specific dollar amount for a wide variety of retirement income.


Although relocating to an income-tax-free state such as Florida or Texas may sound appealing, sometimes the best retirement destination is a state that imposes an income tax but offers generous exemptions for retirement income.

Once you narrow your search to a few key states, zero in on local taxes. Municipalities can impose hefty property taxes or other assessments, or they may layer local sales taxes on top of statewide levies. Federal taxes? If you claim the standard deduction, they'll be the same no matter where you live. But if you itemize your deductions, you'll be able to write off real estate taxes and state income taxes, reducing your federal tax bill and easing some of the pain.

#1 Wyoming

State Income Tax: None
State Sales Tax: 4%
Estate Tax/Inheritance Tax: No/No

Thanks to the abundant revenues that Wyoming collects from oil and mineral companies, its residents have one of the lowest tax burdens in the nation, according to the Tax Foundation, a nonprofit research group in Washington, D.C. There is no state income tax. The state sales tax is 4%, and counties in the Equality State can only add up to 1% in additional levies -- a very low ceiling. Plus, prescription drugs and groceries are exempt from state sales taxes. For most property, only 9.5% of market value is subject to tax, so a home worth $100,000 is taxed on $9,500 of assessed value.

#2 Mississippi

State Income Tax: 3%-5%
State Sales Tax: 7%
Estate Tax/Inheritance Tax: No/No

Mississippi offers a sweet income-tax deal for retirees. It not only exempts Social Security benefits from state income taxes but also excludes all qualified retirement income -- including pensions, annuities, and IRA and 401(k) distributions. Remaining income is taxed at a maximum 5%. In addition, the Magnolia State is home to some of the lowest property taxes in the nation. Residential property is taxed at 10% of assessed value, and seniors qualify for a homestead exemption on the first $75,000 of value. The statewide sales tax is 7%, and counties and cities may add up to 3% to the state rate. But prescription drugs and health care services are exempt.

#3 Pennsylvania

State Income Tax: Flat rate of 3.07%
State Sales Tax: 6%
Estate Tax/Inheritance Tax: Yes/Yes

True to its Quaker roots, Pennsylvania extends a friendly hand to retirees. It offers unusually generous exclusions from state income tax on a wide variety of retirement income. Pennsylvania does not tax Social Security benefits or any type of public or private pensions. Nor does it nick distributions from 401(k)s, IRAs, deferred-compensation plans or other retirement accounts. Remaining income is taxed at a low, flat rate of 3.07%. Food, clothing and medicine are exempt from state sales taxes. Property taxes can be high in the Keystone State, especially near larger cities, but rates vary widely. One caveat for the wealthy: Your heirs won'’t get off so easily. Pennsylvania is one of the few states to have both an inheritance tax, paid by the heirs, and an estate tax -- though it applies only when an estate is large enough to trigger federal estate taxes ($5 million or more).

#4 Kentucky

State Income Tax: 2%-6%
State Sales Tax: 6%
Estate Tax/Inheritance Tax: No/Yes

The home of the Kentucky Derby is a good bet for retirees. It exempts Social Security benefits from state income taxes, and it allows residents to exclude up to $41,110 per person in retirement income from a wide variety of sources, including public and private pensions and annuities. Personal income-tax rates range from 2% to 6%. A 6% sales tax is imposed at the state level only. Homeowners 65 and older qualify for a homestead provision that exempts part of the value of their property from state taxes. The Bluegrass State has an inheritance tax, but immediate family members are exempt.

#5 Alabama

State Income Tax: 2%-5%
State Sales Tax: 4%
Estate Tax/Inheritance Tax: No/No
Alabama is a tax haven for retirees. Social Security benefits, as well as military, public and private defined-benefit pensions, are excluded from state income taxes. Remaining income is taxed at the state's low rates, which range from 2% to 5%. Alabama also has some of the lowest property taxes in the U.S. Homeowners 65 and older are exempt from state property taxes, but some cities assess their own property tax. The only downside is sales taxes. Although the statewide rate is just 4%, cities and counties in the Yellowhammer State can impose their own levies, and together the taxes can add up to a whopping 10% or more in some cities. Food is taxed, but prescription drugs are not.

Visit Kiplinger for more tax-friendly states for retirees.

Red, White & Green: Eco-Friendly Tips for the Fourth of July

by Alexandra Zega
Image courtesy of Creative Commons

Image courtesy of Creative Commons

For this year’s 4th of July you may want to add in another colour to your red, white and blue festivities. You may be wondering, what is this colour? It’s green! Start thinking about how you can make this year’s 4th of July celebrations greener. Be conscious of the environment and the impact your activities are having. Here are some suggestions on how you can celebrate the festivities in a greener manner:

BBQ
Smoke from all the barbecues emits a ton of pollution into the air and burns up resources. This year when you have a barbecue, consider using a natural gas barbecue. These barbecues are more energy efficient. In addition, buy some organic or natural charcoal lumps.

Plates & Cutlery
Disposable plastic plates and cutlery are terrible for the environment and most of the time end up being left on the grounds of beaches and parks. This year, opt for bamboo plates or recycled plastic cutlery, plates and cups. Another alternative is to reuse some of the plates, cups, and cutlery you have at home!

Fireworks
Avoid having your own fireworks show at home as it is very damaging to the air. If you want to watch some fireworks, go watch a show nearby. It is also helpful to talk to the city hosting the fireworks about eco-friendly firework methods.

Food
When shopping for groceries, look out for local organic food. These products are chemical free and because they are produced locally, that means less resources were used in transporting them. Try to incorporate a bunch of veggie based items that are more eco-friendly.

Fresh Air
Take your festivities outdoors! Get your family and friends together and celebrate during the day in the beautiful weather or at night when it’s cooler. You’ll all have a chance to enjoy nature and not have to worry about the energy costs associated with indoor facilities!

Decorations
Every year, tons of decorations are used on this holiday. Instead of throwing them out after the holiday, save them! You can reuse them for next year (save money and trash).

(c) Lauren Sigler, Four Green Steps.com

Try These 17 Brain-Boosting Foods

by Alexandra Zega
A good diet improves your health, but also boosts your energy. Create a shopping list of these must-have endurance foods recommended by Dr. Mike Moreno, author of The 17 Day Diet: A Doctor’s Plan Designed for Rapid Results.

1. Beef, extra lean: High in iron, a mineral that improves memory, alertness and attention span.

2. Beets: Contains phenylalanine, an amino acid that helps relay signals from one brain cell to another.

3. Blueberries: Excellent source of antioxidants and “anthocyanins,” compounds thought to help protect brain cells from toxins, improves use of glucose in the brain, and promotes communication between brain cells.

4. Broccoli: Packed with antioxidants and phytonutrients that help protect brain tissue from toxins.

5. Carrots: High in beta carotene and other natural substances that help protect brain tissue from toxins.

6. Chicken: High in tyrosine, an amino acid required for the production of the alertness chemicals dopamine, epinephrine and norepinephrine. When your brain is producing these, you think and react more quickly, and feel more motivated, attentive and mentally energetic.

7. Citrus fruits: Contain vitamin C and other antioxidants that help maintain sharp memory and help brain cells resist damage.

8. Edamame: Contains phenylalanine, an amino acid that helps relay signals from one brain cell to another.

9. Eggs: High in the B vitamin choline, which helps with memory.

10. Egg whites: High in protein, which can improve alertness by increasing levels of norepinephrine, which helps keep your brain at its sharpest.

11. Hot chilies: Contains the fiery-tasting chemical capsaicin. Capsaicin stimulates circulation, aids digestion, opens your nasal passages and, even better, sends a feeling of euphoria straight to your brain.

12. Legumes: Provide glucose to fuel the brain, and the fiber they contain slows the absorption of glucose, helping to maintain stable levels of energy and support alertness and concentration overtime.

13. Pork: Loaded with vitamin B1, which protects myelin, a fatty substance that helps facilitate communication among cells.

14. Romaine lettuce: High in folate, a B vitamin important for memory and nerve cell health.

15. Spinach: Packed with iron, which is involved memory, concentration, and mental functioning.

16. Tuna: Full of omega-3 fatty acids, which help build and maintain myelin.

17. Yogurt: A probiotic food that has been found in many studies to boost mental alertness

(c) Simon and Schuster Authority
Dr. Michael Rafael Moreno, author of The 17 Day Diet: A Doctor’s Plan Designed for Rapid Results (Copyright © 2010 by 17 Day Diet, Inc.),

6 Simple Diet Game-Changers

by Alexandra Zega
Modifying your diet to "eat healthfully" doesn't require dramatic changes. In fact, it may only call for some minor tweaks. Certain small changes serve up huge, lifelong benefits that can help you lose weight, ward off disease, and feel more upbeat and energetic all day long.

"It's all about self-care," says Beth Reardon of Duke Integrative Medicine and Caring.com's senior food and nutrition editor. "You have to ask, 'Am I worth a little extra effort to think about what I'm putting in my body?' You -- and the body that you rely on -- deserve nothing less."

Start with these six simple diet game-changers:

1. Add more fat -- healthy fat -- to your diet.

Why? Many adults, especially baby boomers, have been brainwashed into thinking fats equal calories and should be avoided. But the body needs fat to function. (After all, 60 percent of the brain is fat.) Not all fat is alike, and not all fat calories -- researchers increasingly believe -- are alike either. "The body metabolizes some fats better than others," Reardon says.

Healthy fats include those found in many nuts, seeds, avocado, extra-virgin olive oil, and canola oil. "Eating nuts and avocados doesn't make you fat -- but not eating them might," Reardon says. Unlike calories from saturated (bad) fats, healthy fat calories are essential to the body's metabolism. They keep you performing well, and they satisfy hunger better.

How? Use extra-virgin olive oil and canola for much of your cooking. Don't be shy about adding a small amount of olive oil, with flavored vinegar, if it makes it taste better and encourages you to eat more salad. (Another bonus: This type of dressing delivers less sodium and sugar than processed bottled dressings.) Mash avocado and spread it on your sandwich in place of mayonnaise. Snack on raw almonds, pumpkin seeds, pistachios, and walnuts -- four kinds of nuts and seeds with great lipid-lowering ability -- or add them as toppings or ingredients to cereal, vegetable dishes, or foods.

Tip: Buy a flaxseed grinder (or coffee grinder) and add freshly-ground flaxseed to anything from cereal and baked goods to vegetables and smoothies. Flax is a rich source of heart-healthy omega-3 fatty acids as well as antioxidants and fiber, and it's been shown to reduce "bad" LDL cholesterol. Because whole flaxseed tends to be less well used by the body, grinding the seeds before use provides more benefit.

2. Instead of sugary beverages, drink more water and green tea.

Why? Water is sugar-free, junk-free, and guilt-free. Juice and soda, in contrast, contain unproductive calories (150 calories per cup of grape juice, 150 in a regular 12-ounce can of soda) made up mostly of sugar and few nutrients.

Don't fool yourself with diet sodas and sugar-free juices, either. They may have few or no calories, but the artificial sweeteners in them work in the body the same way sugary drinks do: They cause the brain to signal to the pancreas that "sweets are coming!" This causes the pancreas to start pumping insulin. Insulin, in turn, triggers carbohydrate cravings and fatigue. "It's a cheating game," says Reardon, "that backfires on us."

Drinks like soda and juice are also habit-forming. The brain tends to associate them with certain foods (chips, fries, hamburgers) or with expecting to eat at certain times. What's more, liquid calories take up stomach space, making us less likely to eat more satisfying and nutrient-rich foods, so overall nutrition suffers.

Water is less filling and hydrates the body, flushing out toxins, transporting nutrients, and keeping tissues such as the nose and mouth moist and better able to defend against viruses.

How? Aim for 48 ounces of water a day (that's six eight-ounce glasses), plus two to four cups of antioxidant-rich green or white tea (as a better-for-you coffee replacement). To build the water-drinking habit, pour glasses of water when you set the table, and set out a carafe for easy refills. Get in the habit of carrying a portable water bottle with you throughout the day. Whenever you would ordinarily reach for another drink, pour water instead. Reach for water whenever you're thirsty and after activity that makes you sweat.

Tip: "I drop a flavored white- or green-tea bag, like mandarin orange, into my water bottle as a quick, amazing-tasting alternative to hot brewed tea," Reardon says. "You get the antioxidant benefits of tea without the additives, calories, or artificial flavorings of mixes like Propel or Crystal Lite." The polyphenols in green tea also have mild metabolism-boosting properties.

3. Sample an alternative whole grain once a week.

Why? Whole grains are a critical part of a plant-based diet because they provide essential B vitamins and fiber. But Americans tend to be overly dependent on simple grains, usually white wheat, as well as white rice and white potatoes. "We tend to fall into habits and serve what our mothers did, but there's a huge world of whole grain variety out there," Reardon says.

Greater grain variety exposes the body to more nutrients and makes it easier to hit the targeted 45 grams per day of fiber adults need. (Most Americans eat a paltry 15 grams a day.) Another potential plus to weaning from wheat: undiagnosed celiac disease, a wheat intolerance caused by the body's inability to absorb gluten. The rates of celiac disease have increased 400 percent since the 1950s, according to a 2009 Mayo Clinic study in the journal Gastroenterology. And for every case diagnosed, there are thought to be 30 others not yet detected.

How? Start once a week by swapping out your usual white potatoes, white rice, or white bread with a serving of a new-to-you wheat alternative. Quinoa (pronounced "keen-wa," it cooks like rice), for example, which is a grain-like plant, contains up to 50 percent more protein than many grains, as well as higher fat, calcium, and B vitamins. Other options include millet, barley, spelt, amaranth, wheat berries, buckwheat, and wild rice. Even food superstores, like Target, often now stock these wheat alternatives.

Tip: If you're nervous about cooking an unfamiliar grain, look for semiprepared mixes or ready-made dishes. (Reardon's local Whole Foods sells a quinoa mixed with pumpkin, pomegranate, and pine nuts, for example.) "Packaged mixes are higher in sodium but a good alternative if you're paralyzed by fear of failure," she says.

4. Eat breakfast -- and not just any old breakfast. A solid one!

Why? Many people postpone the first meal of the day as long as possible because they're convinced that once they start eating, they can't stop. "The reason they can't stop once they get going isn't that they've eaten but what they've eaten," Reardon says. "If you just grab a bagel or a piece of fruit, it's a simple carb that's burned quickly, and you're soon ravenous with a need to feed a glucose low." This sets you up for a roller-coaster of blood-sugar highs and lows all day.

By eating a more complex breakfast soon after you get up, however, your body actually remains sated longer -- and you'll ultimately eat less.

How? Break your overnight fast within an hour of awakening with a balance of four items: a slow-burning whole grain (oatmeal, muesli, whole-grain English muffin, whole-grain cereal), some protein (yogurt, low-fat milk, tofu with scrambled eggs, nut butter, fish, lean meat), healthy fat (almond butter, cashew butter, nuts, ground flaxseed, canola oil -- found in some cereals), and a fruit/vegetable (raisins, frozen berries, grapefruit half, grilled vegetables, banana).

Avoid two food categories that contain most "classic" American breakfast foods:

Simple carbs (frozen waffle, pastry, muffins, sugary cereal, pancakes made with white flour, breakfast bars)

     

  • Fatty foods high in saturated fats (fried eggs and bacon, cheesy omelets, bagels with cream cheese, fast-food breakfast sandwiches)

     

Tip: For an easy, sustaining, one-bowl solution, microwave plain oatmeal (not flavored) and low-fat milk with walnuts or almonds and dried fruit (apricots, dates, raisins, etc.). Add ground flaxseed and top with fresh berries, a little cinnamon, and you're good to go. Even better: Make a batch to get you through a few days; refrigerate and heat up individual servings day by day.

5. Sub the sandwich.

Why? "Most American are inclined to think of lunch as two pieces of bread and a filling," Reardon says. Too often, this bread is a simple-carb, processed white wheat -- and the filling tends to be fatty meats and cheeses. Net result: a midday waste of calories. Better: Move away from the stereotype sandwich for lunch.

How? Most other cultures don't rely on sandwiches for lunch, Reardon says. Instead, they eat what we traditionally consider "breakfast food" (whole-grain cereal with yogurt and fruit, eggs) or "dinner food" (fish, brown rice with veggies, soup, yesterday's leftovers).

No microwave available to heat up a meal? Pack a salad topped with canned salmon, chickpeas, tuna, or deli turkey. Roll up veggies and low-fat cheese in a whole-grain tortilla. Munch fruit and nuts.

Tip: Go to a recipe finder such as epicurious.com to experiment with new dishes built around whole grains, soy protein (tempeh and tofu, for example), or squashes or other vegetables. Pay attention to the recipe reviews to find ones that match your tastes and prep-time preferences. Making enough to brown-bag for lunch saves money -- and spares the stressing over "what will I eat?" that too often leads to quick, calorie-stuffed, nutrient-hungry choices.

6. Put your proteins into rotation.

Why? Americans eat too much protein, on average, and too much of it comes from animal sources. A meat-heavy diet is linked to a higher risk of heart disease and cancer. Better: a diet that's primarily plant-based. That's why introducing more vegetarian meals, ideally three to four times a week, is an easy way to boost overall nutrition -- and save money.

How? Shoot for a mix like this: Red meat once a week, poultry one to two times a week, seafood or vegetarian three to four times a week. Eventually, your goal should be to have red meat twice a month or less.

Tip: Train yourself to think of protein as a side dish to the vegetables and grains, not as a main dish.

(C) By Paula Spencer, Caring.com http://www.caring.com/

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Your Security At Risk

by Alexandra Zega

provided by
ConsumerReports

What cops and crooks say you're doing wrong.

You're an easy target. That's what we heard when we talked to police, experts, and especially people who have spent time on the other side of the law. As vacation season begins, and crime doesn't take a holiday, these security missteps may surprise you -- or at least remind you what police dramas taught: Be careful out there. Here are the mistakes to avoid at home, with your electronics, and for your personal finances:

At Home

Making a break-in too easy

"About half of all break-ins aren't break-ins but walk-ins," says Bob Portenier, consultant, lecturer, and former burglar. "Families get in a hurry in the morning -- kids going to school, running late for work, doctors' appointments, what have you -- and forget to take that one or two minutes to check the doors and locks, usually on the back side. You have a pet, you let it out to do its business -- and then forget the security French door or sliding glass door."

Remember, don't forget to turn on your home alarm. In a security survey of 1,038 U.S. homeowners we conducted in February, 43 percent of people in our survey who had an alarm said they at least occasionally don't turn it on when they're not at home. Some other troubling numbers. Nineteen percent of people in our survey said they at least occasionally leave doors at home unlocked when they're out, and 26 percent of survey respondents said they at least occasionally leave windows unlocked when they're not at home.


Photo illustration: Stephen Webster

 

Leaving your garage door open

In addition to providing access to everything in the garage, the door most likely leads to an interior door and access to your house. That interior door probably isn't as strong as an exterior door. And once a burglar's in your garage, the neighbors can't see him.

Obscuring your house

Tall hedges and fences hide windows and doors, giving thieves cover to work, says Walter T. Shaw, former burglar and co-author of "A License to Steal."

Leaving valuables in sight

"When we targeted a house, we would approach the door and look in -- the quality of furniture, whatever there was -- to give us an idea of how these people spend their money," says Portenier. "So with mirror-tinted windows, it eliminates that."

Advertising a vacation

People often don't do anything to make the house look occupied, says Maj. Kurt Philipps of the Memphis police department. Lt. John Dzwlewicz of the New York City police department suggests this trick: Put some inexpensive kids' toys on the lawn. On Facebook, share news of your trip only after you return. 


Photo illustration: Stephen Webster

 

Being carefree with keys

Leaving keys under the doormat or elsewhere outside the home is a risk that 12 percent of people in our survey say they often take. Another 7 percent say they do it occasionally. And 66 percent say they have given a key to someone other than a resident of their home.

And avoid hiding your car keys inside or outside the car. That just makes it easier for thieves to engage in a spur-of-the-moment theft, authorities say. Many of today's cars make it difficult to lock your keys inside. If you're concerned about that anyway, keep a spare in your wallet or purse. Eleven percent of people in our survey said they at least occasionally leave car keys in the ignition when parked. And 52 percent of people from non-metro areas in our survey said they at least occasionally leave their car unlocked outside.

Tossing prescription bottles

Prescription labels on pill bottles can contain important information such as phone numbers, doctors, and prescription numbers. Remove the labels and shred them. Also be careful with medical records. And also treat your benefit claims forms, insurance reimbursements, and even medical tests as confidential information and destroy them before discarding.

Thinking a gun is your best defense

Gun ownership is a controversial topic, but research has shown that homeowners with guns increase the risks in their home. Homeowners might make the mistake of not getting proper training and not securing their firearms. Thirty-two percent reported having a gun as a security measure. And 73 percent of gun owners thought it was very good or excellent for protection.

With Your Electronics

Using lazy passwords

It pays to make the passwords you use tougher to guess. Don't make it easy for hackers. That means never using passwords such as "welcome" or "password." Instead mix up letters and numbers to make for tougher encryption.

 

Falling for phishing

The e-mail that contains what looks like a link to your financial institution might be phony; cyber thieves will record your keystrokes as you enter passwords, giving them access to your accounts. Don't click on such links; type the correct Web address into the browser.

Running outdated software


Photo illustration: Stephen Webster

Always run the latest version of your browser, which will probably include better security features, says Kevin Mitnick, a former infamous computer hacker and now CEO of Mitnick Security Consulting, a computer-security business. And Mitnick says that when a software company such as Adobe tells you there's an update for your software, pay attention and run the update. Programs such as Flash and Adobe Acrobat are among the most exploited by cyber criminals.

Instant-messaging programs and media players are also targets. To make sure software on your computer is up to date, Mitnick advises running a program such as the free Personal Software Inspector.

For Your Personal Finances

Banking from a public computer

Keylogging malware that can capture account numbers, passwords, and other vital data is a risk that has been linked to use of open Wi-Fi connections and public computers such as those in hotel lobbies.

Using unfamiliar ATMs

Thieves have been known to put out-of-order signs on a legitimate ATM and set up nearby freestanding bogus ones that "skim" data from your card. ATMs located inside banks within view of surveillance cameras aren't risk-free, but they pose more challenges for crooks installing skimming equipment.

Two other important pieces of advice related to ATMs: Separate your PIN code from your ATM or debit card. Almost 1 in 10 people carry their code with the card, says ACI Worldwide, a payment systems company. And when typing your PIN into an ATM or card reader, use your free hand to shield the keypad from the view of hidden cameras or anyone nearby. 


Photo illustration: Stephen Webster

 

Dropping your guard at gas pumps

Card-skimming at gas stations is likely to increase during summer months, especially in vacation areas, so use cash or credit cards at the pumps if possible. If you must use a debit card, select the option to have the purchase processed as a credit-card transaction rather than typing in your PIN.

Ignoring your credit or debit cards

Monitor your accounts at least weekly to spot and report unauthorized transactions as soon as possible. Use services offered by your bank or card issuer that can help protect you, such as an e-mail or text alert if a transaction occurs for more than a certain amount.

Abandoning your receipts

Many transactions, such as filling up your tank and making a debit-card withdrawal, leave a paper trail. Don't toss away receipts in the ATM lobby or leave them at the gas pump. Hold on to them until your transactions have cleared your bank account to make sure the totals match. Then shred the receipts if they have any information a thief might use.

Trashing your bills

Thieves harvest sensitive data from account statements and other financial documents placed in the trash and use them for ID theft, says Inspector Michael Romano of the U.S. Postal Inspection Service. Shred them first.

6 Ways to Stay Safer

1. Watch out for imposters

The fastest-growing scam in the past year has been imposter fraud, according to the latest annual report on consumer complaints from the Federal Trade Commission. Thieves claiming to be someone they're not (such as a friend or relative stranded overseas in need of cash to get home, a bill collector, or an employee of a government agency) use Facebook messages, e-mail, phone calls, and text messages to persuade people to send money or divulge personal information such as Social Security or account numbers. Last year, 60,000 people reported that they were affected by this form of fraud, up from just five cases reported in 2008.

2. Learn to parallel park

Car thieves are becoming more professional. They're stealing new cars by putting them on a flatbed tow truck, our expert says. Parallel parking hinders access to the front and rear of your car, making it difficult to tow. Also, be careful about whom you bump into at the grocery store, especially if your car has keyless entry and a push-button ignition. A thief with an antenna and a small kit of electronics can transmit your key's code to another thief standing near your car, allowing him to open it, start it, and drive it away.

3. Hide the stuff in your car

Don't leave electronics and other valuables visible inside your car. GPS units are less of a magnet these days; cell phones and laptops more so. Holiday gifts are a big target, so don't stack them up in the backseat. Is there a worse move? Yes. Leaving your stuff in the back of a pickup truck.

4. Change your PIN

Make it a habit to routinely change the secret code for your debit card or ATM card. That gives you better protection against any thieves or skimming schemes.

5. Keep a financial inventory

Once a year take out all of the cards in your wallet, make a list of the account numbers and contact information you'll need to cancel cards if they become lost or stolen, and hide it in a safe place, says Mark Rasch, a former Department of Justice computer-crime prosecutor who is a director at CSC, a business technology firm based in Falls Church, Va.

6. Change your Wi-Fi password

If you have a home wireless network, choose the highest-security option. That way your Web-browsing and financial transactions will be more protected. Go a step further and create your own administrative password rather than rely on a default password supplied by the router.

 

Mortgage rates at lows for year

by Alexandra Zega

(c)by Inman News™

Mortgage rates dropped for the third week in a row to their lowest point this year on signs of economic weakness, Freddie Mac said in releasing the results of its latest Primary Mortgage Market Survey.

Rates on 30-year fixed-rate mortgages averaged 4.71 percent with an average 0.7 point for the week ending May 5, down from 4.78 percent last week and 5 percent a year ago.

The 30-year fixed-rate mortgage hit an all-time low in Freddie Mac records dating to 1971 of 4.17 percent during the week ending Nov. 11, 2010, and so far this year has ranged from 4.71 percent in early January to a high of 5.05 percent in February.

Rates on 15-year fixed-rate mortgages averaged 3.89 percent with an average 0.7 point, down from 3.97 percent last week and 4.36 percent a year ago. That's a new low for 2011, but well above the all-time low in records dating back to 1991 of 3.57 percent, set in November.

Rates on 5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) loans averaged 3.47 percent with an average 0.6 point, down from 3.51 percent last week and 3.97 percent a year ago. The 5-year ARM hit a low in records dating to 2005 of 3.25 percent in November.

Rates on 1-year Treasury-indexed ARM averaged 3.14 percent with an average 0.5 point, down from 3.15 percent last week and 4.07 percent a year ago.

Looking back a week, a separate survey by the Mortgage Bankers Association showed demand for purchase loans remained well below last year's levels.

The MBA's Weekly Mortgage Applications Survey showed demand for purchase loans was up a seasonally adjusted 0.3 percent during the week ending April 29 compared to a week ago, and down 36.9 percent from the same time a year ago. Requests for refinancing accounted for 62.7 percent of all applications.

In an April 14 forecast, MBA economists said they expect rates on 30-year fixed-rate loans will climb to an average of 5.6 percent during the final three months of the year, and average 6 percent in the final quarter of 2012.

12 Foods With Super-Healing Powers

by Alexandra Zega
(c) Nikki Jong, Caring.com contributing editor and Yahoo Health
 
 As part of a healthy diet, whole foods play a significant role in helping our bodies function at their best. There are hundreds of extremely nutritious whole foods, but the dozen on this list do more than contribute healthy nutrients -- they help you heal. In fact, every food on this list boasts multiple healing effects, from fighting cancer to reducing cholesterol, guarding against heart disease, and more. Eat these super-healing picks and start feeling pretty super yourself.

Kiwifruit

This tiny, nutrient-dense fruit packs an amazing amount of vitamin C (double the amount found in oranges), has more fiber than apples, and beats bananas as a high-potassium food. The unique blend of phytonutrients, vitamins, and minerals found in kiwifruit helps protect against heart disease, stroke, cancer, and respiratory disease. Kiwifruit's natural blood-thinning properties work without the side effects of aspirin and support vascular health by reducing the formation of spontaneous blood clots, lowering LDL cholesterol, and reducing blood pressure. Multiple studies have shown that kiwifruit not only reduces oxidative stress and damage to DNA but also prompts damaged cells to repair themselves.

Kiwifruit is often prescribed as part of a dietary regimen to battle cancer and heart disease, and in Chinese medicine it's used to accelerate the healing of wounds and sores.

How much: Aim to eat one to two kiwifruit a day while they're in season, for the best taste and nutrition. California-grown kiwifruit are in season from October through May, and New Zealand kiwifruit are available between April and November.

Tips:

Kiwifruit contains enzymes that activate once you cut the fruit, causing the flesh to tenderize. So if you're making a fruit salad, cut the kiwifruit last.

  •  

     

  • The riper the kiwifruit, the greater the antioxidant power, so let them ripen before you dig in.  

     

Cherries

Cherries boast a laundry list of healing powers. For starters, they pack a powerful nutritional punch for a relatively low calorie count. They're also packed with substances that help fight inflammation and cancer. As if that weren't enough, in lab studies, quercetin and ellagic acid, two compounds contained in cherries, have been shown to inhibit the growth of tumors and even cause cancer cells to commit suicide -- without damaging healthy cells. Cherries also have antiviral and antibacterial properties.

Anthocyanin, another compound in cherries, is credited with lowering the uric acid levels in the blood, thereby reducing a common cause of gout. Researchers believe anthocyanins may also reduce your risk of colon cancer. Further, these compounds work like a natural form of ibuprofen, reducing inflammation and curbing pain. Regular consumption may help lower risk of heart attack and stroke.

In Chinese medicine, cherries are routinely used as a remedy for gout, arthritis, and rheumatism (as well as anemia, due to their high iron content). Plus they're delicious.

How much: Aim for a daily serving while they're in season locally. And keep a bag of frozen cherries in your freezer the rest of the year; frozen cherries retain 100 percent of their nutritional value and make a great addition to smoothies, yogurt, and oatmeal.

Tip:

Buy organic or wash thoroughly, since conventionally grown cherries can be high in pesticides.

Guavas

Guavas are a small tropical fruit that can be round, oval, or pear-shaped. They're not all that common, so they might be hard to find, depending on where you live. But if you can track them down, it's more than worth it. Guavas contain more of the cancer-fighting antioxidant lycopene than any other fruit or vegetable, and nearly 20 percent more than tomatoes. Our bodies can't process much of the lycopene in tomatoes until they're cooked; the processing helps break down tough cell walls. However, guavas' cell structure allows the antioxidant to be absorbed whether the fruit is raw or cooked, and the whole fruit offers the nutrition without the added sodium of processed tomato products.

Lycopene protects our healthy cells from free radicals that can cause all kinds of damage, including blocked arteries, joint degeneration, nervous system problems, and even cancer. Lycopene consumption is associated with significantly lower rates of prostate cancer; in addition, men with prostate tumors who consumed lycopene supplements showed significant improvements, such as smaller tumors and decreased malignancy. Lycopene has also been found to inhibit the growth of breast cancer cells, and research suggests that this antioxidant may also help protect against coronary heart disease.

This strange-looking little fruit is also packed with vitamin C and other antioxidants. Serving for serving, guava offers more than 60 percent more potassium than a banana, which can help protect against heart disease and stroke. In fact, the nutrients found in guavas have been shown to lower LDL and boost HDL cholesterol, reduce triglycerides, and lower blood pressure.

How much: Aim to eat fresh guavas as often as you can when you can find them in stores. They're not commonly available in the freezer section; and most guava juices are processed and sweetened, so they don't provide the same superior nutrition that the whole, fresh fruit does. One to two guavas a day is a good goal.

 Tip:

Opt for the red-fleshed variety if you can; both are loaded with antioxidants, but the red type has more than the white-fleshed apple guava.

Beans

Beans are a miracle food. They lower cholesterol, regulate blood sugar and insulin production, promote digestive health, and protect against cancer. If you think of fiber, protein, and antioxidants and immediately think whole grains, meat, and fruit, think again -- beans offer all three in a single package.

An assortment of phytochemicals found in beans has been shown to protect cells from cancerous activity by inhibiting cancer cells from reproducing, slowing tumor growth. Researchers at the Harvard School of Public Health reported that women who consumed beans at least twice a week were 24 percent less likely to develop breast cancer, and multiple studies have tied beans to a reduced risk of heart disease, type 2 diabetes, high blood pressure, and breast and colon cancers.

Beans deliver a whopping amount of antioxidants, which help prevent and fight oxidative damage. In fact, the USDA's ranking of foods by antioxidant capacity places three varieties of beans (red beans, red kidney beans, and pinto beans) in the top four -- and that's among all food groups. Beans are a great source of dietary fiber, protein, and iron. They also contain the amino acid tryptophan; foods with high amounts of tryptophan can help regulate your appetite, aid in sleep, and improve your mood. Many are also rich in folate, which plays a significant role in heart health. And depending on the type of bean you choose, you'll also get decent amounts of potassium, magnesium, vitamin B1 and B2, and vitamin K. Soybeans are a great source of omega-3 fatty acids.

In Chinese medicine, various types of beans have been used to treat alcoholism, food poisoning, edema (particularly in the legs), high blood pressure, diarrhea, laryngitis, kidney stones, rheumatism, and dozens of other conditions.

How much: Aim for a minimum of two servings of beans per week.

Tip:

Adzuki and mung beans are among the most easily digested; pinto, kidney, navy, garbanzo, lima, and black beans are more difficult to digest.  

 

Watercress

Not only is watercress extremely nutritious, it's about as close as you can get to a calorie-free food. Calorie for calorie, it provides four times the calcium of 2 percent milk. Ounce for ounce, it offers as much vitamin C as an orange and more iron than spinach. It's packed with vitamin A and has lots of vitamin K, along with multiple antioxidant carotenoids and protective phytochemicals.

The nutrients in watercress protect against cancer and macular degeneration, help build the immune system, and support bone health. The iron helps red blood cells carry oxygen to your body's tissues for energy. The phytochemicals in watercress battle cancer in three ways: killing cancer cells, blocking carcinogens, and protecting healthy cells from carcinogens. They've also been shown to help prevent lung and esophageal cancer and can help lower your risk for other cancers.

In Chinese medicine, watercress is thought to help reduce tumors, improve night vision, and stimulate bile production (improving digestion and settling intestinal gas). It's used as a remedy for jaundice, urinary difficulty, sore throat, mumps, and bad breath.

How much: Eat watercress daily if you can. In some regions, it's more widely available during the spring and summer, when it's cultivated outdoors. But since it can also be grown hydroponically in greenhouses, you can find it year-round in many grocery stores and at your local farmer's market.

Tip:

You can cook it, but watercress is better for you when you eat it raw. Tuck it into a sandwich in place of lettuce.  

     

  • Toss it with your favorite vegetables and eat it in a salad.  

     

  • Watercress is great in pesto -- just replace the basil with watercress -- and soups.  

     

  • Use watercress as a wonderfully detoxifying ingredient in a juice or smoothie.  

     

Spinach

You already knew spinach was good for you, but did you know just how good? Spinach protects against eye disease and vision loss; it's good for brain function; it guards against colon, prostate, and breast cancers; it protects against heart disease, stroke, and dementia; it lowers blood pressure; it's anti-inflammatory; and it's great for bone health. Spinach has an amazing array of nutrients, including high amounts of vitamin K, calcium, vitamin A, vitamin C, folate, magnesium, and iron.

A carotenoid found in spinach not only kills prostate cancer cells, it also prevents them from multiplying. Folate promotes vascular health by lowering homocysteine, an amino acid that, at high levels, raises the risk of dementia and cardiovascular disease, including heart disease and stroke. Folate has also been shown to reduce the risk of developing colorectal, ovarian, and breast cancers and to help stop uncontrolled cell growth, one of the primary characteristics of all cancers. The vitamin C and beta-carotene in spinach protect against colon cancer in addition to fighting inflammation, making them key components of brain health, particularly in older adults.

Spinach is loaded with vitamin K (one cup of cooked spinach provides 1,111 percent of the recommended daily amount!), which builds strong bones by helping calcium adhere to the bone. Spinach is also rich in lutein, which protects against age-related macular degeneration, and it may help prevent heart attacks by keeping artery walls clear of cholesterol buildup.

How much: Fresh spinach should be a daily staple in your diet. It's available in practically every grocery store, no matter where you live, it's easy to find year-round, and you'd be hard pressed to find a more nutritionally sound, versatile green. So do yourself a healthy favor and aim for a few ounces -- raw, sauteed, or lightly steamed, every day.

 Tips:

Add a handful of fresh spinach to your next fruit smoothie. It'll change the color but not the taste.

     

  • Conventionally grown spinach is susceptible to pesticide residue; stick to organic.  

     

Onions

Onions get a bad rap for their effect on breath, but that's not the only part of the body where they pack a wallop. Onions contain potent cancer-fighting enzymes; onion consumption has been shown to help lower the risk of prostate and esophageal cancers and has also been linked to reduced mortality from coronary heart disease. Research suggests that they may help protect against stomach cancer. Onions contain sulfides that help lower blood pressure and cholesterol, as well as a peptide that may help prevent bone loss by inhibiting the loss of calcium and other bone minerals.

Onions have super antioxidant power. They contain quercetin, a natural antihistamine that reduces airway inflammation and helps relieve symptoms of allergies and hay fever. Onions also boast high levels of vitamin C, which, along with the quercetin, battles cold and flu symptoms. Onions' anti-inflammatory properties help fight the pain and swelling associated with osteo- and rheumatoid arthritis. Onions are also extremely rich in sulfur and they have antibiotic and antiviral properties, making them excellent for people who consume a diet high in protein, fat, or sugar, as they help cleanse the arteries and impede the growth of viruses, yeasts, and other disease-causing agents, which can build up in an imbalanced diet.

How much: For all the health benefits onions provide, it would be ideal to eat one a day. However, if that's not doable for you, add a few onions to your weekly grocery list and try to eat a little bit every day. All varieties are extremely good for you, but shallots and yellow onions lead the pack in antioxidant activity. Raw onions provide the best nutrition, but they're still great for you when they're lightly cooked. And cooking meat at high temperatures (such as on a grill) with onions can help reduce or counteract carcinogens produced by the meat.

 Tip:

Onions should be stored at room temperature, but if they bother your eyes when you cut them, try refrigerating them for an hour beforehand.

Carrots

Carrots are a great source of the potent antioxidants known as carotenoids. Diets high in carotenoids have been tied to a decreased risk in postmenopausal breast cancer as well as cancers of the bladder, cervix, prostate, colon, larynx, and esophagus. Conversely, diets low in carotenoids have been associated with chronic disease, including heart disease and various cancers. Research suggests that just one carrot per day could reduce your risk of lung cancer by half. Carrots may also reduce your risk of kidney and ovarian cancers. In addition to fighting cancer, the nutrients in carrots inhibit cardiovascular disease, stimulate the immune system, promote colon health, and support ear and eye health.

Carrots contain calcium, potassium, magnesium, phosphorus, fiber, vitamin C, and an incredible amount of vitamin A. The alpha-carotene in carrots has shown promise in inhibiting tumor growth. Carrots also contain the carotenoids lutein and zeaxanthin, which work together to promote eye health and prevent macular degeneration and cataracts. In Chinese medicine, carrots are used to treat rheumatism, kidney stones, tumors, indigestion, diarrhea, night blindness, ear infections, earaches, deafness, skin lesions, urinary tract infections, coughs, and constipation.

How much: Eat a serving of carrots each day if you can, and enjoy them year-round. Carrots are good for you whether they're raw or lightly cooked; cooking helps break down the tough fiber, making some of the nutrients more easily absorbed. For the best nutrition, go for whole carrots that are firm and fresh-looking. Precut baby carrots are made from whole carrots and, although they're convenient, they tend to lose important nutrients during processing.

 Tips:

Remove carrot tops before storing them in the fridge, as the tops drain moisture from the roots and will cause the carrots to wilt.  

     

  • Buy organic; conventionally grown carrots frequently show high pesticide residues.  

     

Cabbage

Cabbage is a powerhouse source of vitamins K and C. Just one cup supplies 91 percent of the recommended daily amount for vitamin K, 50 percent of vitamin C, good amounts of fiber, and decent scores of manganese, vitamin B6, folate, and more -- and it'll only cost you about 33 calories. Calorie for calorie, cabbage offers 11 percent more vitamin C than oranges.

Cabbage contains high levels of antioxidant sulforaphanes that not only fight free radicals before they damage DNA but also stimulate enzymes that detoxify carcinogens in the body. Researchers believe this one-two approach may contribute to the apparent ability of cruciferous vegetables to reduce the risk of cancer more effectively than any other plant food group. Numerous studies point to a strong association between diets high in cruciferous vegetables and a low incidence of lung, colon, breast, ovarian, and bladder cancers.

Cabbage builds strong bones, dampens allergic reactions, reduces inflammation, and promotes gastrointestinal health. Cabbage is routinely juiced as a natural remedy for healing peptic ulcers due to its high glutamine content. It also provides significant cardiovascular benefit by preventing plaque formation in the blood vessels. In Chinese medicine, cabbage is used to treat constipation, the common cold, whooping cough, depression and irritability, and stomach ulcers. When eaten and used as a poultice, as a dual treatment, cabbage is helpful for healing bedsores, varicose veins, and arthritis.

How much: The more cabbage you can include in your diet, the better. A study of Polish women found that those who ate at least four servings of cabbage per week as adolescents were 72 percent less likely to develop breast cancer later in life than their peers who consumed only one weekly serving or less.

Tips:

Try raw sauerkraut. It has all the health properties of cabbage, plus some potent probiotics, which are excellent for digestive health.  

     

  • Use the whole cabbage; the outer leaves contain a third more calcium than the inner leaves.  

     

  • Both are nutritional stars, but red cabbages are far superior to the white variety, with about seven times more vitamin C and more than four times the polyphenols, which protect cells from oxidative stress and cancer.  

     

Broccoli

You'll find it difficult to locate another single food source with as much naturally occurring health-promoting properties as broccoli. A single cup of steamed broccoli provides more than 200 percent of the RDA for vitamin C (more than oranges), nearly as much of vitamin K, and about half of the daily allowance for vitamin A, along with plentiful folate, fiber, sulfur, iron, B vitamins, and a whole host of other important nutrients. Calorie for calorie, broccoli contains about twice the amount of protein as steak -- and a lot more protective phytonutrients.

Broccoli's phytochemicals fight cancer by neutralizing carcinogens and accelerating their elimination from the body, in addition to inhibiting tumors caused by chemical carcinogens. Studies show evidence that these substances help prevent lung and esophageal cancers and may play a role in lowering the risk of other cancers, including gastrointestinal cancer.

Phytonutrients called indoles found in broccoli help protect against prostate, gastric, skin, breast, and cervical cancers. Some research suggests that indoles also protect the structure of DNA and may reduce the risk of prostate cancer. Extensive studies have linked broccoli to a 20 percent reduction in heart disease risk. In Chinese medicine, broccoli is used to treat eye inflammation.

How much: If you can eat a little broccoli every day, your body will thank you for it. If you can't swing it, aim for eating it as regularly as possible. Like many other vegetables, broccoli provides fantastic nutrition both in its raw form and when it's properly cooked. Cooking reduces some of broccoli's anticancer components, but lightly steaming it will preserve most of the nutrients. Broccoli is available fresh year-round in most areas, but if you can't find it where you live, frozen broccoli is a good substitute.

Tip:

Steaming or cooking broccoli lightly releases the maximum amount of the antioxidant sulforaphane.

Kale  

Kale is highly nutritious, has powerful antioxidant properties, and is anti-inflammatory. One cup of cooked kale contains an astounding 1,328 percent of the RDA for vitamin K, 192 percent of the RDA for vitamin A, and 89 percent of the RDA for vitamin C. It's also a good source of calcium and iron.

Kale is in the same plant family as broccoli and cabbage, and, like its cruciferous cousins, it contains high levels of the cancer-fighting compound sulforaphane, which guards against prostate, gastric, skin, and breast cancers by boosting the body's detoxification enzymes and fighting free radicals in the body. The indoles in kale have been shown to protect against breast, cervical, and colon cancers. The vitamin K in kale promotes blood clotting, protects the heart, and helps build strong bones by anchoring calcium to the bone. It also has more antioxidant power than spinach, protecting against free-radical damage. Kale is extra rich in beta-carotene (containing seven times as much as does broccoli), lutein, and zeaxanthin (ten times the amount in broccoli). In Chinese medicine, kale is used to help ease lung congestion.

How much: Like cabbage, the more kale you can eat, the better. A daily serving is ideal. Eat it as much as you can, as long as you can find it fresh at your local grocery or farmer's market. In some areas, it's available all year; in others, it only makes an appearance during summer and fall.

Tips:

Kale's growing season extends nearly year-round; the only time it's out of season is summer, when plenty of other leafy greens are abundant.  

     

  • Steam or sauté kale on its own, or add it to soups and stews. Cooking helps tenderize the leaves.  

     

  • Kale is also a great addition when it's blended in fruit smoothies or juiced with other vegetables.  

     

Dandelion

The same pesky weed known for ruining lawns has a long history of being used as a healing herb in cultures around the globe. One cup of raw dandelion greens provides 535 percent of the RDA of vitamin K and 112 percent of the RDA for vitamin A. Dandelion greens are also a good source of vitamin C, calcium, iron, fiber, and potassium. Among all foods, it's one of the richest sources of vitamin A; among all green vegetables, it's one of the best sources of beta-carotene.

Dandelion has been used for centuries to treat hepatitis, kidney, and liver disorders such as kidney stones, jaundice, and cirrhosis. It's routinely prescribed as a natural treatment for hepatitis C, anemia, and liver detoxification (poor liver function has been linked to numerous conditions, from indigestion and hepatitis to irritability and depression). As a natural diuretic, dandelion supports the entire digestive system and increases urine output, helping flush toxins and excess salt from the kidneys. The naturally occurring potassium in dandelions helps prevent the loss of potassium that can occur with pharmaceutical diuretics.

Dandelion promotes digestive health by stimulating bile production, resulting in a gentle laxative effect. Inulin, a naturally occurring soluble fiber in dandelion, further aids digestion by feeding the healthy probiotic bacteria in the intestines; it also increases calcium absorption and has a beneficial effect on blood sugar levels, therefore being useful in treating diabetes. Both the dandelion leaves and root are used to treat heartburn and indigestion. The pectin in dandelion relieves constipation and, in combination with vitamin C, reduces cholesterol. Dandelion is excellent for reducing edema, bloating, and water retention; it can also help reduce high blood pressure. On top of all that, dandelion contains multiple antidiarrheal and antibacterial properties.

In Chinese medicine, dandelion is used in combination with other herbs to treat hepatitis and upper respiratory tract infections such as bronchitis and pneumonia. The sap from the stem and root is a topical remedy for warts. Imagine -- all this from a lowly weed!

How much: How much dandelion to incorporate into your diet boils down to two factors: availability and personal preference. Dandelion greens are considered a specialty item in some areas and therefore can be difficult to find. They also have a pungent taste, and people tend to love or hate the flavor. If you can find fresh dandelion greens and you enjoy the taste, make them a regular part of your diet.

Tip:

Use the root in soups or sauté it on its own.  

     

  • If the raw leaves are too bitter for you, try them lightly steamed or sautéed.

     

     

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

FICO to walkaways: You're on our screen

by Alexandra Zega

Will early-warning system make homeowners think twice?

(c) Ken Harney, Inman News™

Fair Isaac, developer of the ubiquitous FICO score, has a new warning for homeowners plotting a strategic default or walkaway: We can now spot you in advance. We've developed a black-box risk-identification tool that enables lenders and mortgage servicers to tag you months in advance -- and then pursue their own strategic measures to intervene.

The tool is so effective, according to FICO, that it can "capture nearly 67 percent of strategic defaulters" who are otherwise unremarkable and undetectable, paying their mortgages on time.

Sound a little spooky? Not for the major lenders who are working with FICO to install the new statistical risk-scoring model, aimed at some of the costliest and most perplexing defaulters in the marketplace: people who just stop paying on their loan abruptly, without ever previously being late, even though they have the income to pay.

Strategic walkaways are a multibillion-dollar headache to banks and investors. A study by researchers at the University of Chicago's Booth School of Business found that during last September alone, 35 percent of mortgage defaults in the U.S. were strategic -- up sharply from 26 percent in March 2009.

With an estimated 23 percent of all residential mortgages underwater as of March of this year, according to data from consulting firm CoreLogic, spotting -- and dealing with -- walkaways has become a high priority for the biggest banks.

Walkaways are also more than a slight concern to default risk-scoring giants like Fair Isaac and Vantage Score LLC, the joint venture created by the three national credit bureaus: Equifax, Experian and Trans Union.

Both companies have been stunned to find that the very consumers they deemed the least likely to go into default -- people with 800-plus FICOs and 900-plus Vantage scores -- are statistically more likely to default strategically, with no outward signs of impending payment stoppages, than the lower-scoring masses.

People with low FICO scores still default more often than high scorers, but when high scorers do default, they are far more likely to do so out of the blue. In the lowest score category (300 to 499) more than twice as many people default nonstrategically -- they begin missing payments over time, typically because of income declines -- than strategically.

These walkaways are especially vexing to score-modeling experts like Andrew Jennings, Fair Isaac's chief analytic officer and head of FICO Labs. "They open up new credit accounts" before stopping their mortgage payments, he told me in an interview last week. "They prepare."

They intentionally default on their mortgages in part "because they believe it is in their best financial interest, and because they believe the consequences will be minimal," Jennings said.

Jennings supervised Fair Isaac's work in developing a special tool that pinpoints likely strategic defaulters while they're still cocooning and haven't yet revealed their intentions to lenders.

Some of the research involved examining massive samples of credit bureau data -- 5 percent of all U.S. mortgage accounts -- during a recent one-year period, looking for telltale clues, month by month, that would separate out strategic defaulters from ordinary defaulters.

What the project turned up, said Jennings, helped formulate the model that FICO has now created for lenders and servicers.

So what's in the black box? Obviously the complex statistical model and exactly how it works is proprietary. But Jennings said it looks at a composite of separate risk factors from credit and real estate databases, and enables servicers to identify borrowers whose profiles match those of strategic defaulters most closely.

Some of the key characteristics include:

--How long have the borrowers owned the house? The shorter the time span, the higher the risk.

--Are they good to excellent managers of their household finances and credit relationships? Do they make modest and responsible use of credit cards and other revolving debt? Do they pay their accounts on time as a rule? Do they rarely, if ever, go over the limits on their cards -- or even come close?

--Have they departed from their past credit usage patterns in recent months by opening up multiple new accounts?

--Based on local property-value indexes, is it likely that they have slipped into negative equity territory? Remember: How deeply underwater is only a moderately predictive factor. Lots of owners whose properties are worth far less than their mortgage balances do not strategically default, but keep plugging away paying every month, while borrowers who fit the FICO strategic defaulter profile may be only slightly underwater but still walk away abruptly.

By the way, location is not a key factor in the equation. FICO found that 40 percent of all strategic defaulters live in "recourse" states where lenders can -- and do -- pursue defaulters for any un-recovered debts following a foreclosure.

Of course, the model cannot peer into would-be walkaways' minds and motivations. "We're not trying to explain their psyches," Jennings said, "but you see the patterns" and certain borrowers' profiles light up like flashing neon signs.

The top bracket of high-risk homeowners identified by FICO's new model are 110 times more likely to strategically default than other borrowers -- even though they otherwise appear to be solid customers, according to Fair Isaac.

Armed with these risk profiles, what are banks and servicers likely to do as they scan their portfolios? Fair Isaac recommends that they intervene early with what it calls "pre-delinquent treatments."

These include contacting high-risk borrowers to warn them about the consequences of strategic defaults: Their credit scores will tank by 150 points or more, they'll be hampered or penalized in applications for rentals, employment, car loans or leases, and they can forget about buying another home for at least several years, possibly as long as seven.

If they live in a state that allows deficiency recoveries, servicers will probably emphasize their determination to do so in the event of any default.

Will all this work? Major banks and FICO think it should help. The jury is out at the moment, but if the early detection concept is valid, who knows?

Maybe it will cause some homeowners to think twice and discourage them from taking that first, crucial step: Secretly plotting their walkaway, months in advance.

Displaying blog entries 21-30 of 219

The property listing data and information, or the Images, set forth herein were provided to MLS Property Information Network, Inc. from third party sources, including sellers, lessors and public records, and were compiled by MLS Property Information Network, Inc. The property listing data and information, and the Images, are for the personal, non-commercial use of consumers having a good faith interest in purchasing or leasing listed properties of the type displayed to them and may not be used for any purpose other than to identify prospective properties which such consumers may have a good faith interest in purchasing or leasing. MLS Property Information Network, Inc. and its subscribers disclaim any and all representations and warranties as to the accuracy of the property listing data and information, or as to the accuracy of any of the Images, set forth herein.”