Tuesday, December 30, 2014
Military vets who fail to look into government programs could be leaving money on the table when they purchase a home, according to a new article published by the Los Angeles Times.
Loans guaranteed by the Department of Veterans Affairs potentially offer big savings, and can be a way for qualified military personnel to break into home ownership since they often don’t require a down payment. In the majority of places, vets can borrow up to $144,000 without making any down payment on their home purchase. The limit stretches higher in some places. For example, in Sacramento, Calif. the maximum that can be borrowed is $827,500, and it's $546,250 in San Diego.
For buyers who do have to go above the limits, lenders typically require a down payment of $1 for every $4 borrowed over the limit. In other words, the Los Angeles Times article notes: If a vet is borrowing $200,000, he or she will most likely need $14,000 as a down payment in most markets.
The fear of paperwork may scare off some potential buyers who are eligible for VA loans. But, according to data from the Veterans Association of Real Estate Professionals, VA loans close up to two days faster than conventional mortgages.
The VA loan program is among the fastest-growing sectors in the mortgage market, according to Inside Mortgage Finance. The VA department owned nearly 25 percent of the primary insured-loan market, which outpaces the Federal Housing Administration. What’s more, the vet population is huge: Nearly 12 percent of 16.4 million active-duty service members and military vets with a mortgage have a VA loan, according to data from the National Association of REALTORS®.
Several states and local governments also offer vets assistance on home purchases. For example, the California Housing Finance Agency has a tax credit program that reduces buyer's federal taxes, which thereby creates extra income to use toward the monthly house payment. In Arizona, compensation received by service members who are on active duty any month of the year is exempt from income taxes on those months' income. Arizona also offers a property tax exemption for widows and widowers of vets, as well as disabled persons. Also, some counties offer special savings to vets too. For example, in San Diego, qualifying military personnel may be eligible for rehab loans to help pay for fixes to existing properties. Military.com offers a state breakdown of financing options for veterans.
Tony Landaverde, Realtor - Veteran Land Board Certified Real Estate Agent
Original Article at: Are Vets Missing Out on Home Ownership?
Daily Real Estate News | Monday, December 29, 2014
Monday, December 29, 2014
Mortgage Rates Are Expected to Climb to 5.4% by Late 2015
NEW YORK ( TheStreet) - Buying a home is about to become more expensive.
Rates on 30-year fixed mortgages are expected to rise to 5.4% by the end of 2015, predicts the National Association of Realtors. That's up from about 3.8% now, according to Freddie Mac.
"The Federal Reserve will certainly be raising their Fed funds rate at some time during the middle of next year," said Lawrence Yun, chief economist at the National Association of Realtors, in an interview with TheStreet. "But the long-term rates like mortgage rates will be rising in anticipation of that so the long-term bond investor will be taking cues about when the Fed will raise short-term rates."
The 10-year Treasury yields nearly 2.2% currently, compared to almost 3% at this time last year. Mortgage rates tend to move in tandem with the 10-year bonds.
It's not surprising that Yun forecasts the 10-year Treasury notes to reach 3.7% by the fourth quarter of next year.
Original Article at: Mortgage Rates Are Expected to Climb to 5.4% by Late 2015
By: Scott Gamm 12/23/14 - 7:15 AM EST
Sunday, December 28, 2014
Not long ago, FHA home loans were
something of a niche product that appealed mostly to low-income buyers.
But when the housing bubble burst in 2008, the federal program suddenly
became a common way to finance property.
Even today, FHA mortgages can
be appealing to those who don’t qualify for conventional home loans.
Certainly, there are some big pluses, including the ability to buy a
house with very little money down. But be careful: Recent changes have
made these loans more expensive than ever.
Here’s what you need to know if you don’t fit the ideal credit profile for most banks and are considering one of these loans.
1. The Government Isn’t the Lender
Despite the name, you don’t get an FHA loan from the Federal Housing Administration.
Rather, the agency insures loans that are made by a private lender. In
other words, if you take out a mortgage and fall behind on your
payments, the FHA will reimburse the bank or mortgage company for its
losses.To do that, it charges the homeowner both an upfront and an annual mortgage premium. Because of this added layer of protection, FHA-approved lenders are able to extend financing to customers who don’t qualify for conventional loans. Keep in mind that not all loan originators provide FHA loans. To find a list of approved lenders, you can search on the U.S. Department of Housing and Urban Development website.
2. They’re Versatile
One of the misconceptions about FHA mortgages is that they’re only suitable for a small percentage of homebuyers. In fact, you can use these loans for a fairly wide range of needs, including home purchases and refinancing. You can also choose between fixed and adjustable-rate mortgages, or ARMs.
Nor can borrowers only tap FHA loans for modest homes. In more expensive parts of the country, you can borrow up to $625,500 for a single-family home – and even more for multi-family units.
3. Down Payments Are Lower
When the housing market took a
turn a few years back, the days of zero-down mortgages disappeared
virtually overnight. But don’t think this means you need to put down 20%
of the purchase price to buy a home. With an FHA mortgage, many
individuals and families can purchase a house or condo with as little as
3.5% down.
4. You Don’t Need Perfect Credit
One of the more common reasons why applicants can’t get a traditional mortgage is because of a damaged credit score. The FHA program is considerably more forgiving. With a credit score of 580 or above, borrowers can typically qualify for a mortgage and benefit from the 3.5% down payment requirement. You might be able to get a loan if your score is even lower, though you might have to put down 10% or more of the home’s value. Another big difference with FHA loans is that you can often qualify even if you have filed for bankruptcy or undergone a foreclosure within the past few years. But first, you’ll need to re-establish your credit and meet other program requirements.
5. Loans Can Cover Renovations
Interested in a home that needs a little work? With a special product known as an FHA 203(k) loan, the cost of certain repairs and renovations are built into the loan. That can make a big difference if you don’t have a lot of cash on hand after making your down payment.
The FHA’s Energy Efficient Mortgage program is a similar concept, but aimed at upgrades that lower the utility bill. The cost of newer, more efficient appliances, for example, becomes part of the loan.
6. You May Get Help With Closing Costs
When you buy a home, you may be responsible for certain out-of-pocket expenses such as loan origination fees, attorney fees and appraisal costs. One of the advantages of an FHA mortgage is that the seller, home builder or lender is allowed to pay some of these closing costs on your behalf. If the seller is having a hard time finding a buyer, he or she might just offer to help you out at closing time as a deal sweetener.
7. PMI Might Be Cheaper
While there are many perks in the FHA program, the obvious drawback is the requirement to pay mortgage premiums for
mortgage insurance on the loan. In recent years, the government has
gradually hiked the amount homeowners have to pay, which can make these
loans considerably more expensive than conventional loans.These days, borrowers face an upfront premium of 1.75% and an annual premium that, in many cases, will represent 1.35% of the loan amount. For a 30-year loan worth $200,000, that means you could pay $3,500 in upfront costs and another $2,700 each year to cover the insurance.
Because of the premium spikes, some experts suggest that a conventional loan with private mortgage insurance,
or PMI, is now a less expensive option for most home buyers who need to
have it (a down payment of less than 20% usually triggers the mortgage
insurance requirement). The annual costs of PMI are typically between
0.3% and 1.15% of the loan – and there’s no upfront fee.
Original Article at: 7 things to know about FHA home loans
By Daniel Kurt
December 23, 2014 4:20 PM
Saturday, December 27, 2014
8 Costly Home Seller Mistakes
If you’ve lived happily in your home for years, it can be difficult to detach yourself from cherished memories and look at your house as a commodity you’re attempting to sell.
But no matter how much you love your home, you’ll need to spruce it up before it hits the market.
For a smooth transaction that garners the
most possible profit from your sale, avoid these eight common, and
costly, home seller mistakes.
2. Skimping on your sales prep. While you may be tempted to “test the waters” and put your home on the market without painting it or making minor repairs, your home is likely to languish on the market and get a reputation for having a major problem. A thorough, professional-level cleaning should be your bare minimum seller prep. Your eventual sales price is likely to be lower if you don’t sell within the first few weeks after you list your home.
3. Choosing the wrong REALTOR®. Instead of picking a REALTOR® who’s a friend of a friend, a relative or perhaps someone who’s great at working with buyers, take the time to pick a REALTOR® with an excellent reputation for listing homes. Your payoff will be much larger if you list your home with a REALTOR® with local market knowledge and sales expertise.
4. Neglecting to ramp up your curb appeal. If you polish and primp inside your home but neglect to pull weeds or paint your front door, you run the risk of potential buyers leaving without ever entering your home.
5. Withholding information from buyers. If you hope that the buyers or their inspector won’t find out about the leak under your bathroom sink or the fact that your basement gets flooded every winter, you run the risk of a nasty negotiating period—or worse, a lawsuit after the settlement.
6. Overpricing your home. If you’ve hired the right REALTOR®, someone who can give you a strong market analysis and help you determine a reasonable price for your home, then you can avoid overpricing your home. If you don’t listen to a REALTOR® and base your listing price on an inflated view of your home’s value, you’re likely to end up selling after multiple price drops for less than you would have if you priced it right the first time.
7. Being unprepared for your next step. Whether you should buy your next home or sell your current home first is only one part of the preparation you need to make to move. You need a back-up plan in case your transaction on either end takes longer or shorter than you think, and you need to understand your mortgage payoff and the closing costs you must pay.
8. Letting your pets and kids spoil a sale. Part of your emotional detachment from your home is recognizing that while you love Fluffy and your darling twins, buyers want to visualize themselves and their own family in your home. Bribe your kids if you have to, but make sure the house is neat and as neutral-looking and smelling as possible. Take the kids and your pets out (or lock up your pets) when prospective buyers are visiting: You never know if someone who is terrified of dogs or cats will be turned off from making an offer because of your adorable pet.
Selling a home can be challenging, but with the
help of a reliable REALTOR®, you can avoid making mistakes and reap the
rewards of your sale.
Original Article at: 8 Costly Home Seller Mistakes
By: Michele Lerner
Friday, December 26, 2014
Hoping to Buy a Home in 2015? Start Planning Now
At the start of a new year, many
real estate agents’ phones begin ringing with calls from potential
buyers who want to get in the market. If buying a home is on your agenda
for 2015, now’s the time to begin working toward your goal. Here’s a
guide to the home buying experience to get you started.
The dreaming phase
We are all more connected than
ever, which makes researching a new home easy and convenient. The
dreaming phase — which has no definitive start time or length — means
thinking about what you want in a home, exploring neighborhoods and casting the widest net possible.
This phase includes looking at photos of homes online,
comparing and contrasting listings or prices per square foot
and understanding the price differential between two school districts.
Dreaming happens on your terms and your timing. It doesn’t require
help from a real estate agent or mortgage professional. It’s a good time
for you to play around with the market, start to get the real estate
bug and develop a feel for what could be a reality in the future. Don’t rush, and don’t feel pressured.Search and discovery mode
When you feel ready to make a reality of the dreaming phase, it’s time to move the process along. Search and discovery allows you to get the facts, build your team and begin to amass a strong approach to pushing ahead. Connect with a local real estate agent and a mortgage lender to get started.Typically, buyers meet with a real estate agent first, who then refers them to a good local mortgage professional. Connecting with an agent means asking lots of questions about how the market works, school districts and the home buying process in general.
In the dreaming phase, you don’t
know what you don’t know. But during search and discovery, you’ll start
gathering solid information. A mortgage professional will run some
numbers and do a full review of your finances, including pulling your
credit. They will marry that data with available loans in the market and teach you about the different loan options.
Full steam ahead
After weeks or months (or
sometimes even years) of dreaming, searching and discovering, you will
know the market inside and out. You will have seen enough homes to know
what you like and don’t like, and you’ll have prioritized your criteria
based on what you’ve learned. You’ll have seen many homes come on the
market, go pending and close, which will help you understand list price
vs. sale price, and why some homes sell faster than others.
When you are full steam ahead,
you’ll be online 24/7 and being a home buyer becomes a part-time job.
You’ll be in constant contact with your agent, who may be texting or
emailing you listings throughout the day.
When a home that matches your
criteria comes on the market, get out and see the home in person. Don’t
wait for an open house — go view the home ASAP with your agent.
At this stage, you’ll be ready
to make offers, and you may miss out on one or two homes before getting
one. Or you may move forward on a home, only to find out there are
inspection issues. You might even experience a little buyer’s remorse.
All of this is to be expected.
When the right home comes along, it will work out because you’ve done
all the prep work and have your team in place.
Original Article at: Hoping to Buy a Home in 2015? Start Planning Now
By: Brendon DeSimone
December 23, 2014 8:18 PM
Wednesday, December 24, 2014
U.S. existing home sales hit six-month low, inventories low
WASHINGTON (Reuters) - U.S. home
resales tumbled to a six-month low in November after two straight
months of strong increases, underscoring the uneven nature of the
housing market recovery.
The
National Association of Realtors said on Monday existing home sales
dropped 6.1 percent to an annual rate of 4.93 million units, the lowest
level since May.
November's
steep decline probably does not signal the start of a weakening trend
and in part reflected stubbornly low inventories, which touched an
eight-month low, giving buyers limited options. Sales were up 2.1
percent from a year ago.
"The
housing market may still be improving, but it is doing so with two
steps forward and one back," said Joel Naroff, chief economist at Naroff
Economic Advisors in Holland, Pennsylvania.
Housing
has struggled to shift into higher gear after stagnating in the second
half of 2013 in the wake of a jump in mortgage rates, which have since
pulled back from their peaks, hitting an 18-month low in November.
It has lagged an acceleration in economic activity as tepid wage growth, a shortage of properties available for sale and higher home prices sidelined first-time buyers.
November's decline exceeded Wall Street's expectations for only a drop to a 5.20-million unit pace.
That
prompted economists to lower their fourth-quarter gross domestic
product estimates by at least one-tenth of a percentage point to around a
2.6 percent annual pace, citing reduced brokers' commissions.
The
U.S. housing index was down 0.2 percent as shares in
largest home builder DR Horton slipped 0.4 percent. Lennar
Corp fell 0.43 percent, while Pulte Group
dipped 0.19 percent.
TESTING THE WATERS
But with job gains broadening and wage growth starting to accelerate, first-time buyers are wading back into the market. They accounted for 31 percent of transactions last month, the biggest share since October 2012.
That
was up from 29 percent in October. Economists and real estate agents
say a share of 40 percent to 45 percent is required for a strong housing
recovery.
"A fundamental
issue continues to be first-time home buyers, whose outlook is improving
along with the economy," said Jeff Taylor, managing partner at loan
processor Digital Risk in Maitland, Florida. Household formation, a key
ingredient for a healthy housing market, is running at about 500,000 a
year, well below the more than one million that is considered ideal.
Investors,
who had supported the market, continued to withdraw in November,
accounting for 15 percent of transactions last month, down from 19
percent in November 2013.
The
inventory of unsold homes on the market fell 6.7 percent from a year ago
to 2.09 million. Economists say insufficient equity and uncertainty
about the economy's strength were forcing potential sellers to stay in
their homes.
At November's
sales pace, it would take 5.1 months to clear houses from the market,
unchanged from October. A six months' supply is viewed as a healthy
balance between supply and demand.
The
shrinking supply lifted the median home price 5.0 percent from a year
ago. The pace, however, has slowed from the double-digit growth seen for
much of 2013.
Original Article At: U.S. existing home sales hit six-month low, inventories low
By:
By Lucia Mutikani
December 22, 2014 1:26 PM
Tuesday, October 14, 2014
24 Ways to Stay Safe in the Kitchen
Flames, electric appliances,
hot stoves, sharp knives, slippy floors. The kitchen can be a dangerous
place. We asked Alison Jacobson, a national family safety and wellness
expert known as The Safety Mom, for suggestions to keep us—and our
families—safe while we cook.
1. Check your smoke alarm batteries
You know the rule of thumb: Check them in the fall and spring, when the clocks change. But it doesn’t hurt to do a monthly test as well. Sick of false alarms? Jacobson recommends the combination fire alarm (see #2) so you won’t disable the alarm when you burn toast and forget to reset it.
2. Install a combination smoke alarm
"It’s recommended that a smoke detector that uses photoelectric technology rather than the standard ionization alarm be installed in kitchens," Jacobson tells us. "Ionization alarms detect fast-flaming fires; The photoelectric alarm detects smoldering fires."
Best option? “A combination photoelectric/ionization alarm, such as this one from First Alert,” she adds. “If you currently have an ionization alarm, it should be at least 10 feet away from cooking appliances.”
3. Check your carbon-monoxide alarm batteries
Why? “When a gas oven is malfunctioning, carbon monoxide (CO) can build up in your kitchen. “Hundreds of Americans die accidentally every year from CO poisoning caused by malfunctioning or improperly used fuel-burning appliances,” warns Jacobson.
4. Make sure you have enough carbon-monoxide alarms
"It’s important to have a CO detector installed on every floor of your home to alert you of elevated levels of CO. Symptoms of CO poisoning include headaches, dizziness, shortness of breath, and nausea. If anyone in your family is experiencing these symptoms, turn off the gas oven and leave immediately!” Jacobson stresses.
5. Have your oven inspected annually by a professional or your gas company
6. Buy a good fire extinguisher…
"Kidde’s Kitchen Fire Extinguisher is a great choice," says Jacobson, "as it’s specifically designed for kitchen grease fires—never try to put out a grease fire with water, as that could actually cause it to increase."
7. …and put it in a practical place
"The best place to put the fire extinguisher is by the door of the kitchen so you have easy access."
8. Buy a fire blanket
"Fire blankets are another safety item that should be in all kitchens," says Jacobson. "They are designed to extinguish small, starting fires."
9. Feel the casing of your microwave
"If the outside of the microwave becomes very hot, this could be a sign of trouble," Jacobsen warns.
10. Inspect the microwave power cord
"It’s always important to check the electrical cord of your microwave for any fraying or damage on a regular basis. And if your circuit breaker frequently trips when you’re using it, this could be a sign of a serious electrical issue.
"It’s always important to check the electrical cord of your microwave for any fraying or damage on a regular basis. And if your circuit breaker frequently trips when you’re using it, this could be a sign of a serious electrical issue.
11. Don’t try to fix your microwave!
"Most importantly, if you suspect there is a problem with your microwave, never try to repair it yourself! There are numerous cases of people electrocuting themselves trying to fix their microwave," cautions Jacobson.
12. Check for microwave recall notices
Jacobson tells us: “In 2013, a Consumer Reports article detailed troubling issues with some microwaves that were turning on by themselves, in particular KitchenAid and GE models. These two manufacturers had the most fire-related microwave complaints on SaferProducts.gov, a Consumer Product Safety Commission website.”
13. Mail in manufacturer’s warranty information
"It’s important that you submit manufacturer’s warranty information so you can be contacted in the event of a recall," says Jacobson. "If you’ve moved into a home with a built-in microwave and are unsure, visit theCPSC website and research whether there’s been a recall with your oven."
14. Buy a nonslip mat for your kitchen
"Falls in the home are one of the leading causes of injury for people of every age. There are low-profile floor mats available in every color to match your flooring. These should be placed in areas where liquids and oils are most likely to spill, including in front of the refrigerator, sink, stove, and garbage."
"Falls in the home are one of the leading causes of injury for people of every age. There are low-profile floor mats available in every color to match your flooring. These should be placed in areas where liquids and oils are most likely to spill, including in front of the refrigerator, sink, stove, and garbage."
15. Choose top-quality oven mitts
Jacobson loves silicone mitts with cloth linings:
* They offer the best protection for heat up to at least 450 degrees F.
* They’re easy to clean, and therefore there’s less concern about bacteria or mold.
* The cloth lining making gripping easier, and therefore there’s less chance of dropping a hot dish or pan.
One of the biggest dangers with cloth mitts is that when they get wet, they can burn terribly. Silicone mitts are waterproof, eliminating this concern.
16. Keep your knives sharp
"Dull knives lead to more injuries. A dull knife requires you to use more pressure, which leads to a greater risk of you losing control of it," warns Jacobson.
17. Wear shoes when using a knife!
"If it accidentally drops, quickly step back and don’t try to catch it!"
18. Be careful cleaning knives
Double-check when you’re cleaning a knife to be sure the sharp side is pointing away from you.
19. Store knives sensibly
"Store knives in a wooden block, never in a drawer, and make sure it is pushed far back on the counter so kids can’t reach it."
20. Give children a kitchen safety zone"Create an area for your child to play safely away from the sink and stove where boiling water could be spilled or a knife dropped," says Jacobson.
21. Keep appliances and cords out of reach of kids
"It’s amazing how far little arms can reach. Be sure that all electrical appliances are pushed far back on the counter and no cords are dangling."
"It’s amazing how far little arms can reach. Be sure that all electrical appliances are pushed far back on the counter and no cords are dangling."
22. Don’t let children get up to the counter
"Keep step stools and benches locked away in closets to prevent little ones from climbing up onto the counter."
23. Lock spices away from children
"While spices are a staple in every kitchen, certain ones can be toxic to children—keep them stored in a high cabinet, preferably with a lock on it," Jacobson advises.
24. Give seniors living alone gadgets to keep them safe in the kitchen
"Due to cognitive impairments such as dementia, the elderly are particularly at risk for kitchen fires due to unattended cooking."
Orignal Article at: 24 Ways to Stay Safe in the Kitchen
By: Joanne Camas
Saturday, May 24, 2014
11 Things that Destroy Your Immune System
Seek out and eliminate these quiet health destroyers.
Attack on Your Immunity Viruses and bacteria aren't the only bad
actors that test your immune system. Your T cells are being tested
24/7, and by some surprising culprits, ranging from modern-day
convenience items in your home to deep-rooted emotions. We scoured the
data to bring you common immune-system wreckers so you can eliminate
them from your life.
Microwavable Popcorn
Immune System Assassin: Microwavable popcorn bags are commonly coated in nonstick chemicals called perflurorinated compounds (PFCs) so grease doesn't penetrate the bag. A recent study in Environmental Health found levels the government considers "safe" are 100 to 1,000 times too high for children. These chemicals have been shown to mess up your immune system; vaccines given to people with higher levels of PFCs in their bodies were much less effective.
Immunity Boost: Make popcorn on the stovetop or use this DIY microwave popcorn trick. These same chemicals hide out in many stain-repellent carpets and furniture treatments and greaseproof fast-food containers and wraps, so be sure to cut down on these exposures, too.
Pots and Pans
Immune System Assassin: Some of the same nonstick chemicals added to popcorn bags also hide out in many nonstick pots and pans. A recent study published in Environmental Health Perspectives found women with higher levels of hormone-disrupting perfluorinated compounds like perfluorooctanoic acid (PFOA) and perfluorooctane sulfonate (PFOS) in their blood were more likely to have the autoimmune disease osteoarthritis.
Immunity Boost: Don't panic if you have nonstick pans, but when you start noticing scratches and chips, replace them with glass, made-in-the-USA cast iron, or stainless steel to avoid nonstick chemicals.
Loneliness
Immune System Assassin: Your immune cells are social, and they want you to be, too. T cells scan your body for disease and then share information like honeybees, according to a recent scientific breakthrough. But if you're not so social, it could impact your ability to fight disease. Ohio State researchers recently found worrying about close relationships acts like a chronic stressor that suppresses your immunity. Previous research found we're more likely to get sick--and die earlier--when we have fewer social connections.
Immunity Boost: If you just can't seem to click with new people, try volunteering where you'll find generous and grateful folk, such as at a soup kitchen. You're not necessarily looking to make new friends there--though it's great if you do. But you may find it easier to lower your guard in an atmosphere of altruism and gratitude.
Lack of Sleep
Immune System Assassin: Slacking in the sleep department can lower the number of killer cells your body needs to wipe out infections. A University of Chicago study found that sleeping just four hours a night for a week cut the number of flu-fighting antibodies in study participants' systems in half.
Immunity Boost: Stay away from looking at screens for at least two hours before going to bed. The light from electronics' screens can trick your brain from easing into sleep mode. Aim for seven to nine hours of uninterrupted sleep.
Antibiotics
Immune System Assassin: Taking antibiotics can slash your levels of cytokines, the hormonal messengers your immune system relies on during sickness.
Immunity Boost: Cold and flu and most middle ear and sinus infections are caused by viruses, so taking antibiotics will do nothing for your ailment and will wipe out immune-supporting bacteria in your gut. Find out when you actually need antibiotics, here. When you are on antibiotics, be sure to take doses on time and finish the entire course. Eat low-sugar yogurt and fermented foods to repopulate your gut flora.
Canned Food
Immune System Assassin: Bisphenol A, or BPA, coats the inside lining of most canned foods. In 2010, University of Michigan School of Public Health researchers found that adults with higher levels of BPA also had higher cytomegalovirus antibody levels, suggesting that their cell-mediated immune system is malfunctioning.
Immunity Boost: To avoid BPA, opt for fresh or frozen foods, versus canned, or reach for soups and broths in Tetra Pak boxes.
Sugar
Immune System Assassin: Eating 100 grams of sugar (think a bottle of soda, fruit yogurt, and a candy bar) significantly lowered the ability of white blood cells to kill bacteria for up to five hours, according to a study published in the American Journal of Clinical Nutrition.
Immunity Boost: Avoid foods with added sugar as much as possible, especially during cold and flu season. It's in obvious places, such as juices, sodas, and desserts, but significant amounts also hide out in many low-fat yogurts, bread, condiments, and salad dressings.
Dehydration
Immune System Assassin: Fluids help flush your body of immune-damaging toxins and carry nutrients to any infection sites. Little-known fact? Many of us walk around mildly dehydrated most of the time without even knowing it.
Immunity Boost: If your pee is dark yellow in the morning, drink more water before bed--you're aiming for pale yellow for a visible sign of proper hydration.
Antibacterial Soap
Immune System Assassin: Researchers at the Johns Hopkins Children's Center found children exposed to antibacterial chemicals are prone to food and environmental allergies. Children with higher levels of antibacterials in their urine experienced higher IgE blood antibody levels. High antibody counts signal a response to an allergen; the researchers believe the antibacterial chemicals alter healthy immune system development.
Immunity Boost: Children with more triclosan, a popular antibacterial soap chemical, in their blood high the highest allergy risk. Washing with regular soap and water works just as well, without the added risks.
Air Pollution
Immune System Assassin: Cutting-edge research is unearthing a connection between air pollution--specifically polycyclic aromatic hydrocarbons (PAHs)--and damaged immune systems. PAHs pour from exhaust pipes and flake off of driveways, playgrounds, and parking lots treated with coal-tar sealant.
Immunity Boost: Check local pollution levels and avoid exercising outdoors on high pollution days. Push for a coal-tar sealant ban in your city, state, or municipality to reduce PAH exposure from blacktop surfaces. (Safer alternatives without coal tar are readily available at most hardware stores.)
Insecticides
Immune System Assassin: Using toxic insecticides to kill household and lawn pests could increase your risk of developing an autoimmune disease, according to data recently presented at an American College of Rheumatology meeting. Women who sprayed insecticides at least six times a year were about 2½ times more likely to develop lupus or rheumatoid arthritis. Those who hired a professional lawn service to apply insecticides to their yard had a two times greater risk.
Immunity Boost: Use nontoxic pest control measures and use these organic lawn-care tips to keep your house pest free without chemicals. Plant native plants in your garden to attract beneficial insects that prey on pests, too.
Original at: 11 Things that Destroy Your Immune System
By Leah Zerbe, Rodalenews.com
Sunday, May 18, 2014
New Drug May Help Lower 'Bad' Cholesterol Beyond Statins
-- A new injectable drug can further knock down cholesterol levels in people who take cholesterol-busting statin medications, according to the results of a global trial.
People taking the new therapy alongside statins enjoyed a 63 percent to 75 percent decrease in their "bad" (LDL) cholesterol levels, on top of the reduction caused by the traditional statin medications, researchers reported. The findings are published in the May 14 issue of the Journal of the American Medical Association.
"This drug enhances the body's natural way of reducing LDL levels in the bloodstream," said lead author Dr. Jennifer Robinson, a professor of epidemiology and cardiology at the University of Iowa College of Public Health. "It lets us get cholesterol really well-treated in people with genetic cholesterol disorders or people who can't take large amounts of statins."
Evolocumab is a so-called "human monoclonal antibody" that, in a roundabout way, improves the body's ability to remove cholesterol from the bloodstream.
Cells primarily located in the liver contain receptors that target LDL cholesterol and remove it from the bloodstream. But the liver also produces a regulatory protein called PCSK9 that binds to and breaks down these receptors, Robinson said.
The antibodies in evolocumab are designed to intercept PCSK9, preventing the protein from breaking down the cells' LDL receptors, which allows them to stay in circulation longer to remove LDL cholesterol, she explained.
The phase 3 clinical trial was funded by the drug's maker, Amgen, and conducted at 198 sites in 17 countries. Over the course of 12 weeks, just over 2,000 people taking moderate to high doses of statins were randomly assigned to also take evolocumab, or another cholesterol-lowering drug called ezetimibe (Zetia), or an inactive placebo.
Compared with the placebo, evolocumab taken every two weeks reduced LDL cholesterol levels an additional 66 percent to 75 percent, and taken monthly cut the level by 63 percent to 75 percent. By comparison, ezetimibe provided an additional cholesterol reduction of up to 24 percent, the investigators found.
According to the findings, evolocumab had adverse events and side effects comparable to those experienced by people taking either statins or ezetimibe. "Because it's a very specific antibody, it seems to be very well-tolerated without any drug interactions or any side effects," Robinson said.
Evolocumab will be mostly helpful in treating people with a genetic disorder that causes them to have high cholesterol, Robinson said. About 1 in 500 people have this disorder, according to the U.S. National Institutes of Health.
It also could help people with high cholesterol who can't take large doses of statins, Robinson added, estimating that as many as 10 percent of people with heart disease or diabetes can't tolerate the recommended dose of statins.
However, a spokeswoman for the American Heart Association cautioned that the drug's impact on the risk of a heart attack or a stroke has not been tested yet.
Dr. Mary Ann Bauman, who is also medical director for Women's Health and Community Relations at INTEGRIS Health in Oklahoma City, said, "I do think that this study did what it was supposed to do . . . to show it was safe, reasonably well-tolerated and did have an effect on LDL cholesterol."
But, she added, "The real question will be whether decreasing cholesterol levels with this medication makes a difference in cardiovascular events."
Statins have been proven to prevent heart attacks and strokes, but Bauman noted that clinical trials of ezetimibe have had mixed results. The drug lowers cholesterol, but does not necessarily prevent heart attacks.
Robinson said a follow-up study is underway to evaluate the drug's longer-term outcomes and safety. But if it does gain U.S. Food and Drug Administration approval, she noted, the drug will be expensive. Similar antibody drugs already are used to treat arthritis patients, and those can cost patients thousands of dollars a year.
"It's not going to
be for everybody, but it's going to be very important for certain
people," those with genetic cholesterol disorders and those who can't
take large doses of statins, Robinson added.
Original article at: New Drug May Help Lower 'Bad' Cholesterol Beyond Statins
By Dennis Thompson
HealthDay Reporter
HealthDay Reporter
Tuesday, May 13, 2014 (HealthDay News)
Copyright © 2014 HealthDay. All rights reserved.
Wednesday, May 7, 2014
Don't use aspirin to prevent cardiovascular disease, FDA warns
inShare
Going
against years of widely dispensed advice, the FDA warned the public in a
statement yesterday that most people shouldn't take aspirin to prevent
heart attacks, Bloomberg reports.
risk of stomach and brain bleeds
In the statement, the FDA explained that
ingesting aspirin on a regular basis isn't recommended to people who
have never experienced a cardiovascular event because the drug raises a
person's risk of experiencing stomach and brain bleeds. Even people who
are at high risk for cardiovascular disease, but haven't experienced any
symptoms yet, should refrain from taking the drug as a preventative
measure. In short, the benefits of the drug only outweigh the risks in
cases where people have already experienced a stroke or a heart attack.
The announcement was prompted
by the FDA's decision last week to block pharmaceutical company Bayer AG
from changing the drug's labeling. The proposed changes would have
allowed the company to market aspirin as a heart attack prevention drug
for people who don't have heart problems. Following the decision, Bayer
spokesperson Anne Coiley reminded Bloomberg in an email that "the
ruling does not impact the numerous cardiovascular indications for
which aspirin is already approved by the FDA."
Original article at: Don't use aspirin to prevent cardiovascular disease, FDA warns
By Arielle Duhaime-Ross on
Original article at: Don't use aspirin to prevent cardiovascular disease, FDA warns
By Arielle Duhaime-Ross on
Tuesday, April 29, 2014
5 Problems with Over-the-Counter Painkillers
Pills you pop every day could be causing serious damage in the long run.
Aspirin is hailed as a miracle drug, and there's not a person among us who hasn't popped an ibuprofen or acetaminophen to deal with achy joints or a crushing headache.
But if you're doing that every day, you could be causing long-term damage to your health, says Gary Kaplan, DO, medical director of the Kaplan Center for Integrative Medicine and author of a new book called Total Recovery: Solving the Mystery of Chronic Pain and Depression.
"The biggest misconception people have about over-the-counter painkillers is that they're completely safe and harmless," says Dr. Kaplan. "They are neither of the above." In fact, most over-the-counter painkillers started out as prescription drugs but now are sold at lower doses without your needing to talk to a doctor.
And they're all bad in their own way. While Dr. Kaplan does contend that low doses of aspirin (81 milligrams) do have some benefits for people with risk factors for stroke, heart disease and some forms of cancer, larger doses taken daily to deal with the pains of daily living do not. "People pop these things like it's no big deal," he says. "If you do this every day, in the majority of people, you're doing real damage."
Before getting into what that damage is, it helps to understand how these medications work. Aspirin, ibuprofen (sold as Advil and Motrin), and naproxen sodium (sold as Aleve) all fall into a class of drugs called nonsteroidal anti-inflammatories, or NSAIDs. They work by inhibiting prostaglandin, a hormone that can produce pain and inflammation in response to an infection or injury. Acetaminophen (or Tylenol) falls into a different category and seems to interrupt the pain messages your brain receives.
#1: Gut ulcerations
NSAIDs, particularly ibuprofen and aspirin, are rough on your stomach, and they're just as rough on the lining of your gut. They create ulcerations and inflammation in the gut lining, damage that causes something known as a "leaky gut." When your gut is leaky, it doesn't absorb nutrients, which can lead to deficiencies (which can also contribute to pain problems), and problematic proteins and allergens, such as gluten, soy, or egg proteins, can escape, triggering food sensitivities. "Your gut is a very sophisticated filter," Dr. Kaplan says. "It's a very complex organ that's not one to disrupt, but one that we disrupt all the time."
Furthermore, NSAIDs disrupt the gut bacteria that control your immune system. As a result, you get sick more frequently and you might develop more chronic ailments.
Sixty to 80 percent of people develop gut inflammation within 24 hours of taking an NSAID, Dr. Kaplan says, and 50 to 70 percent of people who take them long term will develop chronic small intestine inflammation. And initially that might present as just feelings of bloating, gas or changes in your bowel movements, but over time, you might start experiencing chronic fatigue or develop food intolerances.
#2: Liver damage
Acetaminophen doesn't cause those gut ulcerations, Dr. Kaplan says. Rather, its problem is that it will damage your liver--sometimes, in unexpected ways. Things like alcohol can interfere with the way your body breaks down acetaminophen, even if you're taking a normal dose. "That leads to the potential to get a toxic level of acetaminophen in your system, which leads to liver damage," Dr. Kaplan says. He's also found that taking too many painkillers that contain caffeine can stress out your liver and interfere with sleep.
#3: Kidney damage
Along with your stomach, your kidneys are a major production site of prostaglandins, the hormones that NSAIDs are designed to silence. In addition to controlling the acid secretions in your stomach, prostaglandins help the kidneys fulfill their function of removing proteins and waste from your blood. Too many prostaglandin-inhibiting NSAIDs can interfere with that process, leading to kidney damage and a buildup of toxic waste by-products in your bloodstream. "As soon as we start seeing damage to kidneys, we tell people to get off all anti-inflammatory medications," Dr. Kaplan says.
Furthermore, prostaglandin produces inflammation in response to damage your body is experiencing. "Inflammation is not always a bad thing," he adds. "It's critical for repair--inflammation cleans up damaged tissue and brings in new cells to repair it. When inflammation gets disrupted, the normal healing process gets disrupted."
#4: Heart disease
You may remember a prescription painkiller called Vioxx that was pulled from the market a few years ago. The reason? It caused heart attacks, and it's not the only one. "It's a lower risk than with Vioxx, but all NSAIDs pose a risk," says Dr. Kaplan. NSAIDs block an enzyme called COX-2, which works with prostaglandin to protect your arteries. When both are silenced by chronic use of over-the-counter painkilllers, your risk of heart disease increases.
#5: Hypersensitization
Here's an ironic fact: Painkillers can heighten your susceptibility to pain. While this phenomenon has been seen mostly with prescription opiods (such as Vicodin or Oxycontin), studies have shown that acetaminophen and NSAIDs can have the same effect on headaches. "It's called a rebound headache," Dr. Kaplan says. "They dull your response to pain, so you need more medications to get to the same place. And you end up developing increased sensitivity to pain."
So are we all supposed to just grin and bear it if we have a headache or a sore knee? "The occasional use is fine, less than once a week," Dr. Kaplan advises. "But if you have pain that requires that you take over-the-counter pain medication on a regular basis, you need to seek medical attention."
Ultimately, Dr. Kaplan's beef with painkillers is that they aren't dealing with deeper health issues. "Doctors have to start looking at pain as a symptom and not the disease," he says. "We're better off addressing the problem. We need to understand where the pain is coming from."
Original article at:
By Emily Main, Rodalenews.com
By Emily Main, Rodalenews.com
By Emily Main, Rodalenews.com
Aspirin is hailed as a miracle drug, and there's not a person among us who hasn't popped an ibuprofen or acetaminophen to deal with achy joints or a crushing headache.
But if you're doing that every day, you could be causing long-term damage to your health, says Gary Kaplan, DO, medical director of the Kaplan Center for Integrative Medicine and author of a new book called Total Recovery: Solving the Mystery of Chronic Pain and Depression.
"The biggest misconception people have about over-the-counter painkillers is that they're completely safe and harmless," says Dr. Kaplan. "They are neither of the above." In fact, most over-the-counter painkillers started out as prescription drugs but now are sold at lower doses without your needing to talk to a doctor.
And they're all bad in their own way. While Dr. Kaplan does contend that low doses of aspirin (81 milligrams) do have some benefits for people with risk factors for stroke, heart disease and some forms of cancer, larger doses taken daily to deal with the pains of daily living do not. "People pop these things like it's no big deal," he says. "If you do this every day, in the majority of people, you're doing real damage."
Before getting into what that damage is, it helps to understand how these medications work. Aspirin, ibuprofen (sold as Advil and Motrin), and naproxen sodium (sold as Aleve) all fall into a class of drugs called nonsteroidal anti-inflammatories, or NSAIDs. They work by inhibiting prostaglandin, a hormone that can produce pain and inflammation in response to an infection or injury. Acetaminophen (or Tylenol) falls into a different category and seems to interrupt the pain messages your brain receives.
#1: Gut ulcerations
NSAIDs, particularly ibuprofen and aspirin, are rough on your stomach, and they're just as rough on the lining of your gut. They create ulcerations and inflammation in the gut lining, damage that causes something known as a "leaky gut." When your gut is leaky, it doesn't absorb nutrients, which can lead to deficiencies (which can also contribute to pain problems), and problematic proteins and allergens, such as gluten, soy, or egg proteins, can escape, triggering food sensitivities. "Your gut is a very sophisticated filter," Dr. Kaplan says. "It's a very complex organ that's not one to disrupt, but one that we disrupt all the time."
Furthermore, NSAIDs disrupt the gut bacteria that control your immune system. As a result, you get sick more frequently and you might develop more chronic ailments.
Sixty to 80 percent of people develop gut inflammation within 24 hours of taking an NSAID, Dr. Kaplan says, and 50 to 70 percent of people who take them long term will develop chronic small intestine inflammation. And initially that might present as just feelings of bloating, gas or changes in your bowel movements, but over time, you might start experiencing chronic fatigue or develop food intolerances.
#2: Liver damage
Acetaminophen doesn't cause those gut ulcerations, Dr. Kaplan says. Rather, its problem is that it will damage your liver--sometimes, in unexpected ways. Things like alcohol can interfere with the way your body breaks down acetaminophen, even if you're taking a normal dose. "That leads to the potential to get a toxic level of acetaminophen in your system, which leads to liver damage," Dr. Kaplan says. He's also found that taking too many painkillers that contain caffeine can stress out your liver and interfere with sleep.
#3: Kidney damage
Along with your stomach, your kidneys are a major production site of prostaglandins, the hormones that NSAIDs are designed to silence. In addition to controlling the acid secretions in your stomach, prostaglandins help the kidneys fulfill their function of removing proteins and waste from your blood. Too many prostaglandin-inhibiting NSAIDs can interfere with that process, leading to kidney damage and a buildup of toxic waste by-products in your bloodstream. "As soon as we start seeing damage to kidneys, we tell people to get off all anti-inflammatory medications," Dr. Kaplan says.
Furthermore, prostaglandin produces inflammation in response to damage your body is experiencing. "Inflammation is not always a bad thing," he adds. "It's critical for repair--inflammation cleans up damaged tissue and brings in new cells to repair it. When inflammation gets disrupted, the normal healing process gets disrupted."
#4: Heart disease
You may remember a prescription painkiller called Vioxx that was pulled from the market a few years ago. The reason? It caused heart attacks, and it's not the only one. "It's a lower risk than with Vioxx, but all NSAIDs pose a risk," says Dr. Kaplan. NSAIDs block an enzyme called COX-2, which works with prostaglandin to protect your arteries. When both are silenced by chronic use of over-the-counter painkilllers, your risk of heart disease increases.
#5: Hypersensitization
Here's an ironic fact: Painkillers can heighten your susceptibility to pain. While this phenomenon has been seen mostly with prescription opiods (such as Vicodin or Oxycontin), studies have shown that acetaminophen and NSAIDs can have the same effect on headaches. "It's called a rebound headache," Dr. Kaplan says. "They dull your response to pain, so you need more medications to get to the same place. And you end up developing increased sensitivity to pain."
So are we all supposed to just grin and bear it if we have a headache or a sore knee? "The occasional use is fine, less than once a week," Dr. Kaplan advises. "But if you have pain that requires that you take over-the-counter pain medication on a regular basis, you need to seek medical attention."
Ultimately, Dr. Kaplan's beef with painkillers is that they aren't dealing with deeper health issues. "Doctors have to start looking at pain as a symptom and not the disease," he says. "We're better off addressing the problem. We need to understand where the pain is coming from."
Original article at:
By Emily Main, Rodalenews.com
By Emily Main, Rodalenews.com
By Emily Main, Rodalenews.com
9 Things You Must See Before They Disappear Forever
I don’t want to be the one to
tell you this, but the sad truth is that nothing truly lasts forever.
The sea levels are rising, glaciers are melting, rain forests are being
chopped down, and climate change is no longer just the plot of a
disaster movie starring John Cusack. Things move pretty fast these days.
If you don’t put these gems on your must-see list, you could miss them
altogether. And frankly, we don’t want to be responsible for your FOMO.
Kilimanjaro from above. (Photo: Ben Freeman)
1. Kilimanjaro’s Snow-Capped Peaks: As
far as travel brags go, that iconic photo of you atop the snow-capped
peak of Uhuru Summit on Mt. Kilimanjaro is a solid. Sadly, that shot is
about to get way less awesome now that all of the snow is melting. More
than 85 percent of the ice cap has disappeared in the last century and
it could be completely gone within the next 20 years.
Fun fact: It takes the average Joe between six and nine days
to summit Kilimanjaro, depending on which of the six routes they choose.
The Details:
Climbing requires hiring a licensed guide and will typically cost
between $1,000 and $5,000, including food and accommodations on the
mountain. It helps to plan at least six months, if not a year, in
advance. We recommend Thomson Treks for their knowledgeable guides and stellar summiting success rate.
The crystal waters of the Maldives. (Photo: Rom)
2. The Maldives: Perched precariously 1.5 meters above sea level, the Maldives could soon become a real-life Atlantis. President Mohamed Nasheed has already warned world leaders that if greenhouse gases are not reduced soon, this island chain in the Indian Ocean will be swallowed up by the sea, which means you’ll never experience their bone-white beaches, crystal-clear waters, and turquoise reefs.
Fun fact: The Maldives are one of the few places on earth where you can swim with whale sharks year round. They tend to stick to the western side of the archipelago from May to December, then head east for the rest of the year.
The Details: The Maldives Whale Shark Research Programme runs weekly, year-round snorkeling and scuba trips where you can actually swim with the world’s largest fish.
3. The Unspoiled Beaches of Culebra: Known to locals as Ultima Virgen (The Last Virgin), Culebra is the quieter kissing cousin to Vieques. Today this small island of Puerto Rico remains relatively undeveloped. Unfortunately, that probably won’t last much longer. Plenty of large hotel chains are turning their gaze onto the tiny island, with its perfect beaches and magnificent coral reefs. Go now to savor the remaining years of its truly rustic beauty.
Fun fact: Flamenco Beach is widely considered one of the most beautiful beaches in the world, but it is worth a walk to some of the sleepier beaches the island has to offer, like Melones. A local favorite, this coral beach is an easy walk from town.
The Details: Hotels are few and far between, and you will be better off renting out a private home. Reach out to the folks at Culebra Island Realty to try to find something in your price range.
(Photo: National Ocean Service)
4. Arctic Polar Bears in the Wild: When I told our editor-in-chief that I was going to plan a trip to northern Canada see the polar bears in the wild ASAP, she grew concerned for me. “I can just see the headline of the New York Post now: ‘Travel Editor Mauled to Death Trying to Hug a Polar Bear’.” She isn’t wrong. But these magnificent carnivores are becoming so few and far between that spotting a polar bear in the Arctic Circle is already akin to seeing a unicorn. Just ask Al Gore.
Fun fact: Churchill is only accessible by plane or train, making it incredibly remote—and incredibly awesome.
The Details: Absolutely everything is charming about the handcrafted log building that is the Lazy Bear Lodge. This hotel will happily arrange all of your bear-peeping activities. Summer is the best time to go, since the polar bears are all leaving the pan ice and the temperatures are less frigid.
Fun fact: With two-thirds of the world’s polar bears possibly going extinct by 2050, it is high time you booked a trip to Churchill, Canada, the self-proclaimed Polar Bear Capital of the world.
5. Glacier National Park: A century ago, there were more than 150 glaciers in Northern Montana. Today only 27 remain and even those could disappear within the next 15 years. When the naturalist John Muir visited the park at the turn of the 20th century, he wrote: “Get off the tracks at Belton Station [now West Glacier] and in a few minutes you will find yourself in the midst of what you are sure to say is the best care-killing scenery on the continent.” He is right. Even without the glaciers, the views would be nothing short of spectacular, but they add frosting to an already amazing cake.
Fun fact: One of the best ways to see the park is by horseback.
The Details: Swan Mountain Outfitters offers a variety of riding options, which you be paired with rafting and fly fishing for an overnight saddle-paddle adventure.
6. Maria von Trapp’s Austrian Mountain Range: The snow line in the Alps is receding faster than Sting’s hairline. It has moved 200 feet in the past 50 years alone. Where the hills were once alive with the sound of music, climate change and reduced snowfall is destroying Austria’s gorgeous high-altitude flowers, among them Edelweiss.
Fun fact: Edelweiss actually originated in the Asian Steppe, but it is now most often found at an altitude of 1,700 meters in German, Italy and Austria.
The Details: Visit the picturesque village of Zell Am See in the heart of the Leogranger Steinberge Alps to take in the views from the top of Kitzsteinhorn and over the glacier. For the classic old-school Alp experience, check into the Grand Hotel Zell Am See on its own private peninsula on the shore of Lake Zell.
(Photo: Meg and Rahul)
7. The Taj Mahal:
More than three million visitors a year currently visit the iconic
mausoleum built in the 17th century in memory of the emperor Shal
Jahan’s favorite wife. See it while you still can. In recent years, cars
were banned from driving close to the Taj because of pollution (tip:
take a donkey ride the remaining distance). And some preservation groups
are pushing to close the landmark since all that foot traffic is
seriously eroding the structure.
Fun fact: Dawn is the best time to see the Taj. Or ask a taxi
driver to bring you across the river, where you can view the back of
the temple at dusk.The Details: If you want a room with amazing views of the Taj, book with Oberoi Amarvillas, just 600 meters from the monument.
8. The Tigers of Rajasthan: It is a distinct and incredibly unsettling possibility that the tiger could become extinct in our lifetime. Their natural habitats have been reduced by 93%. In 1900, some 100,000 tigers lived in India. Today, as few as 3,200 remain.
Fun fact: In 2012, the Indian Supreme Court ruled that no new tourist attractions can be created in the tiger areas and that only 20% of the tiger habitats can be open to visitors.
The Details: Ranthambore National Park
is the best place to spot tigers in the wild and there’s no shortage of
tour operators eager to take you on a safari. That said, the scarcity
of tigers, even in the sanctuary, means that a sighting isn’t
guaranteed. Make sure to book two to three days in the area. Ask for the
smaller six-seater jeep (less intrusive in the tiger habitat) directly
through the national park.
(Photo: Paul Vladuchick / Flickr)
9. The Yangtze River Basin:
The ongoing construction of China’s $24 billion Three Gorges Dam is
posing a serious threat to the wildlife of the Yangtze River basin,
including the giant pandas, Yangtze finless porpoises (known in Chinese
by the very excellent name the “river pig”), and dwarf blue sheep—so
rare I’m not even sure what they are, but I definitely want to see them
before they disappear.
Fun fact: Thirteen years ago, the Panda Breeding Research Base
in the river basin was home to only 20 pandas. Advancements in
insemination technology have since grown that population to more than
100.
The Details: A
trip to "panda kindergarten" is one of the greatest gifts you could ever
give yourself. Trust me. I gave it to myself in 2009 when I travelled
to the city of Chengdu with the sole intent and purpose of cuddling a
baby panda. I accomplished this goal (and you can too) at the Panda
Breeding Research Base, where it costs about $100 for 90 seconds of
blissed-out panda snuggling.
Original article at: 9 Things You Must See Before They Disappear Forever
By: Jo Piazza
Editor
Apr 26, 2014
Monday, April 7, 2014
9 Lessons You Won't Learn in Business School
Image credit: Celestine Chua via Flickr
More and more in Silicon Valley, we’re seeing less and less of an
interest in pursuing MBA programs. It seems every week a new story
highlights the opportunity costs of these programs, the unemployment
rates for its graduates (though less than 5 percent of Harvard's class of 2012 was unemployed
three months after graduating) and the celebrated entrepreneurs who
didn’t finish college let alone a graduate program (Steve Jobs, Bill
Gates, Richard Branson, Mark Zuckerberg).
Combine that with the fact that startups -- where everyone seems to
want to work -- don’t care at all about graduate business degrees. They
want to see real-life experience and that you have the grit to make it
in the startup trenches where it’s much more visceral when your job, not
your grade, is on the line.
Yet applications still deluge many elite schools and some admission consultants are predicting a greater number of applicants at the top schools.
So what's the right call? First of all, if you are accepted or
enrolled in an MBA program, understand that your degree will never hurt
you. There is much to be gained from the coursework as well as a lot you
can do to make the most out of your time in school. The right attitude
and the right degree provide a formula for long-term sustainable
success.
While a business school will give you a pedigree, the real world is
about results. As soon as the job interview process ends, no one cares
which degree you received from Harvard, Stanford or Florida Atlantic (my
alma mater). All they care about is that you get the job done. So here
are some lessons from the real world of work:
1. The way to keep a job is to understand what success looks like. Commit to aggressive and achievable goals. Then deliver more than others.
2. Get voted onto the team every day. In football
and the real world, when you try to solve today’s problems no one gives
you credit for past accomplishments. People care about how well you get
today’s hard stuff done.
3. Operate with a mind-set that reflects a meritocracy.
That's opposed to displaying a sense of entitlement -- no matter how
proud you are of your education. Having a pedigree doesn't mean you can
look down on others. People sense that -- and won't like it. And while
Harvard or Stanford may open the door to opportunities, capitalizing on
those opportunities is all about how well you do the job.
4. Be ready to demonstrate how you handle adversity.
When I hire, I often look at educational achievements as a basis for
assessing someone's raw intellectual prowess. But I spend way more time
looking at the challenges they've tackled, what they've achieved and how
sought after they are.
5. Be open to seeing excellence wherever it is. You’ll find it often comes in the most unlikely of places.
6. Leverage your network. That’s one of the most valuable assets of any degree. Work it.
7. Understand that it’s not all about you. MBA
programs spur a lot of competition; there’s an intense race to be the
top of the class. But that individualistic focus isn’t always welcome at
the workplace, where a “company first” not a “me first” attitude is
desired.
8. Learn a new culture. Don't adhere to what you
learned in school. Do extra-credit projects that provide exposure to
executive management and hopefully the board. Watch how people handle
themselves at these meetings and modify your behavior accordingly.
9. Give back and continue to enhance and help others on their path. If you have an MBA, use it for good.
Original Article at: 9 Lessons You Won't Learn in Business School
By Maynard Webb | April 4, 2014
Wednesday, April 2, 2014
Vitamin D – Why You are Probably NOT Getting Enough
WHAT VITAMIN DO WE need in amounts up to 25 times higher than the government recommends for us to be healthy?
What vitamin deficiency affects over half of the population, is almost never diagnosed, and has been linked to many cancers, high blood pressure, heart disease, diabetes, depression, fibromyalgia, chronic muscle pain, bone loss, and autoimmune diseases like multiple sclerosis?
What vitamin is almost totally absent from our food supply?
What vitamin is the hidden cause of so much suffering that is so easy to treat?
The answer to all of these questions is vitamin D.
Over the last 10 years of my practice, my focus has been to discover what the body needs to function optimally. And I have become more interested in the role of specific nutrients as the years have passed.
Two recent studies in The Journal of Pediatrics found that 70 percent of American kids aren’t getting enough vitamin D, and this puts them at higher risk of obesity, diabetes, high blood pressure, and lower levels of good cholesterol. Low vitamin D levels also may increase a child’s risk of developing heart disease later in life.
Overall, 7.6 million, or 9 percent, of American children were vitamin D deficient, and another 50.8 million, or 61 percent, had insufficient levels of this important vitamin in their blood.
Over the last 5 years, I have tested almost every patient in my practice for vitamin D deficiency, and I have been shocked by the results. What’s even more amazing is what happens when my patients’ vitamin D status reaches optimal levels. Having witnessed these changes, there’s no doubt in my mind: vitamin D is an incredible asset to your health.
That is why in today’s blog I want to explain the importance of this essential vitamin and give you 6 tips on how to optimize your vitamin D levels.
Let’s start by looking at the massive impact vitamin D has on the health and function of every cell and gene in your body.
How Vitamin D Regulates Your Cells and Genes
Vitamin D has a huge impact on the health and function of your cells. It reduces cellular growth (which promotes cancer) and improves cell differentiation (which puts cells into an anti-cancer state). That makes vitamin D one of the most potent cancer inhibitors — and explains why vitamin D deficiency has been linked to colon, prostate, breast, and ovarian cancer.
But what’s even more fascinating is how vitamin D regulates and controls genes.
It acts on a cellular docking station ,called a receptor, that then sends messages to our genes. That’s how vitamin D controls so many different functions – from preventing cancer, reducing inflammation, boosting mood, easing muscle aches and fibromyalgia, and building bones.
These are just a few examples of the power of vitamin D. When we don’t get enough it impacts every area of our biology, because it affects the way our cells and genes function. And many of us are deficient for one simple reason …
For example, one study found that vitamin D supplementation could reduce the risk of getting type 1 diabetes by 80 percent.Your body makes vitamin D when it’s exposed to sunlight. In fact, 80 to 100 percent of the vitamin D we need comes from the sun. The sun exposure that makes our skin a bit red (called 1 minimum erythemal dose) produces the equivalent of 10,000 to 25,000 international units (IU) of vitamin D in our bodies.
The problem is that most of us aren’t exposed to enough sunlight.
Overuse of sunscreen is one reason. While these product help protect against skin cancer – they also block a whopping 97 percent of your body’s vitamin D production.
If you live in a northern climate, you’re not getting enough sun (and therefore vitamin D), especially during winter. And you’re probably not eating enough of the few natural dietary sources of vitamin D: fatty wild fish like mackerel, herring, and cod liver oil.
Plus, aging skin produces less vitamin D — the average 70 year-old person creates only 25 percent of the vitamin D that a 20 year-old does. Skin color makes a difference, too. People with dark skin also produce less vitamin D. And I’ve seen very severe deficiencies in Orthodox Jews and Muslims who keep themselves covered all the time.
With all these causes of vitamin D deficiency, you can see why supplementing with enough of this vitamin is so important. Unfortunately, you aren’t really being told the right amount of vitamin D to take.
The government recommends 200 to 600 IU of vitamin D a day. This is the amount you need to prevent rickets, a disease caused by vitamin D deficiency. But the real question is: How much vitamin D do we need for OPTIMAL health? How much do we need to prevent autoimmune diseases, high blood pressure, fibromyalgia, depression, osteoporosis, and even cancer?
The answer is: Much more than you think.
Recent research by vitamin D pioneer Dr. Michael Holick, Professor of Medicine, Physiology, and Dermatology at Boston University School of Medicine, recommends intakes of up to 2,000 IU a day — or enough to keep blood levels of 25 hydroxy vitamin D at between 75 to 125 nmol/L (nanomoles per liter). That may sound high, but it’s still safe: Lifeguards have levels of 250 nmol/L without toxicity.
Our government currently recommends 2,000 IU as the upper limit for vitamin D — but even that may not be high enough for our sun-deprived population! In countries where sun exposure provides the equivalent of 10,000 IU a day and people have vitamin D blood levels of 105 to 163 nmol/L, autoimmune diseases (like multiple sclerosis, type 1 diabetes, inflammatory bowel disease, rheumatoid arthritis, and lupus) are uncommon.
Don’t be scared that amounts that high are toxic: One study of healthy young men receiving 10,000 IU of vitamin D for 20 weeks showed no toxicity.
The question that remains is: How can you get the right amounts of vitamin D?
6 Tips for Getting the Right Amount of Vitamin D
Unless you’re spending all your time at the beach, eating 30 ounces of wild salmon a day, or downing 10 tablespoons of cod liver oil a day, supplementing with vitamin D is essential. The exact amount needed to get your blood levels to the optimal range (100 to160 nmol/L) will vary depending on your age, how far north you live, how much time you spend in the sun, and even the time of the year. But once you reach optimal levels, you’ll be amazed at the results.
For example, one study found that vitamin D supplementation could reduce the risk of getting type 1 diabetes by 80 percent. In the Nurses’ Health Study (a study of more than 130,000 nurses over 3 decades), vitamin D supplementation reduced the risk of multiple sclerosis by 40 percent.
I’ve seen many patients with chronic muscle aches and pains and fibromyalgia who are vitamin D deficient – a phenomenon that’s been documented in studies. Their symptoms improve when they are treated with vitamin D.
Finally, vitamin D has been shown to help prevent and treat osteoporosis. In fact, it’s even more important than calcium. That’s because your body needs vitamin D to be able to properly absorb calcium. Without adequate levels of vitamin D, the intestine absorbs only 10 to 15 percent of dietary calcium. Research shows that the bone-protective benefits of vitamin D keep increasing with the dose.
So here is my advice for getting optimal levels of vitamin D:
- 1. Get tested for 25 OH vitamin D. The current ranges for “normal”
are 25 to 137 nmol/L or 10 to 55 ng/ml. These are fine if you want to
prevent rickets – but NOT for optimal health. In that case, the range
should be 100 to 160 nmol/L or 40 to 65 ng/ml. In the future, we may
raise this “optimal” level even higher.
- 2. Take the right type of vitamin D. The only active form of vitamin
D is vitamin D3 (cholecalciferol). Look for this type. Many vitamins
and prescriptions of vitamin D have vitamin D2 – which is not
biologically active.
- 3. Take the right amount of vitamin D. If you have a deficiency, you
should correct it with 5,000 to 10,000 IU of vitamin D3 a day for 3
months — but only under a doctor’s supervision. For maintenance, take
2,000 to 4,000 IU a day of vitamin D3. Some people may need higher doses
over the long run to maintain optimal levels because of differences in
vitamin D receptors, living in northern latitudes, indoor living, or
skin color.
- 4. Monitor your vitamin D status until you are in the optimal range.
If you are taking high doses (10,000 IU a day) your doctor must also
check your calcium, phosphorous, and parathyroid hormone levels every 3
months.
- 5. Remember that it takes up to 6 to 10 months to “fill up the tank”
for vitamin D if you’re deficient. Once this occurs, you can lower the
dose to the maintenance dose of 2,000 to 4,000 units a day.
- 6. Try to eat dietary sources of vitamin D. These include:
- • Fish liver oils, such as cod liver oil. One tablespoon (15 ml) = 1,360 IU of vitamin D
- • Cooked wild salmon. (3.5) ounces = 360 IU of vitamin D
- • Cooked mackerel. (3.5) ounces = 345 IU of vitamin D
- • Sardines, canned in oil, drained. (1.75) ounces = 250 IU of vitamin D
- • One whole egg = (20) IU of vitamin D
Original Article at: Vitamin D – Why You are Probably NOT Getting Enough
by Mark Hyman, MD January 19, 2013
Sunday, March 30, 2014
Rosario’s North Readies for Opening
The restaurant is currently holding a slew of soft opening days for friends and family only on an invitation-basis. The menu is similar to the other locations save for the addition of a few new items. The eatery is broken down into several dining rooms and includes a large bar with beers on draft and margaritas, naturally.
Original article at: Rosario’s North Readies for Opening
March 28, 2014 By FLAVOR
Wednesday, March 19, 2014
Sugars found in tequila may protect against obesity, diabetes
Tequila shots may do more than lighten the mood at a party; the drink may be beneficial for your health as well.
According to researchers from Mexico, natural sugars derived from the agave plant, called agavins, greatly protected a group of mice against diet-induced obesity and type 2 diabetes, MedPage Today reported.
In a new study presented at the American Chemical Society (ACS) annual meeting in Dallas, mice were distributed into seven groups. One group received a diet of plain water, while the other groups received water supplemented with either aspartame, glucose, fructose, sucrose, agave syrup or agavins.
The mice that consumed agavins showed a reduction in food intake and weight and a decrease in blood glucose levels. These findings were similar to the control group that received standard water.
Because agavins act as dietary fibers and do not raise blood sugar, the researchers believe the ingredient could be used as an alternative sweetening agent.
"We believe agavins have a great potential as a light sweetener," Mercedes G. López, of the Centro de Incetagcioan y de Estudios Avanzados, Biotechnology and Biochemistry Irapuato, in Guanajuato, Mexico wrote in the ACS abstract. "They are sugars, highly soluble, with a low glycemic index and a neutral taste…This puts agavins in a tremendous position for their consumption by obese and diabetic people."
The alcoholic beverage tequila is made from the blue agave plant, primarily around the Mexican city of Tequila. However, Lopez noted that agavins are not widely available and not as sweet as regular sugars.
Original Article at: Sugars found in tequila may protect against obesity, diabetes
FoxNews.com
Thursday, March 13, 2014
Sell or stay in your home this spring? Consider these 6 variables when deciding to love or list your house.
It's coming on the spring home selling season, the most active period of the year for single home titles changing hands, and this year the outlook for home-sale growth is up across the board. Single-family homes, townhouses and condominiums are all expected to see stronger sales in 2014.
Many homeowners now have to ask themselves: Sell or keep their homes?
The answer involves everything from downsizing — a huge issue since the recession — to job stability, divorce, age of children and retirement.
Reasons to sell:
- Size matters. The size of the home may be an owner's biggest and most urgent reason to sell. "If the main concern about a home is size, a more affordable, less stressful option may be to sell and find a home with enough space to accommodate the family," Homes.com says.
- Overwhelming maintenance. For homes that are 15 years old or older, big maintenance projects may be necessary. A new roof, for example, can cost anywhere from $5,000 to $30,000, Homes.com estimates. If you don't have the money for big repairs, your home will suffer in terms of financial value, making it much more difficult to sell.
- Staying ahead of other sellers. Homes.com says the real estate market is set to take off, and the earlier you sell the less competition you'll face. "If anxious to sell a home, some homeowners, depending on location, may be able to take advantage of what is considered a seller's market," the firm says.
- Equity rising. If you expect the equity in your home to rise substantially, that's a good reason to keep your home, Homes.com advises. "Year-over-year growth reached 8 percent at the end of 2013," the firm says. "Homeowners already in love with their place should continue to enjoy the comforts of home and reap the benefits of increased equity when the time does come to sell."
- If you can afford repairs. Home projects, maintenance and repairs can add good value to a home — and make it much more livable. So if you can afford to make those repairs, make them — and make your home "new" again.
- You like your location. If you like where you live, including the schools, your neighbors, your community and your commute to work, that's another excellent reason to keep your home. "Many factors play into the decision of selling or staying in a home, oftentimes going beyond money and the economy," Homes.com says.
"If the perfect home is not on the market, don't settle for a home that isn't just right, especially if the current home is not unbearable," the firm says. "When the time is right to buy, the perfect home will be waiting, and with the potential for increased equity in the current home, it may be even easier to afford."
Original article at: Sell or stay in your home this spring?
By Brian O'Connell, MainStreet
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