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Happy March! This would be my mom's birthday if she were around, so I'm saying a prayer in her memory. Health Your veggies don't like to be naked. And what couture do they prefer? Try a little healthful-fat finery. A bit of unsaturated fat can help your body better absorb the fat-soluble nutrients in your vegetables. Here are three different looks to try: 1. Skip the fat-free ranch dressing. Instead, toss your greens with an olive-oil-based dressing like balsamic vinaigrette. 2. Make your fat crunchy. Season peppers, corn, carrots, or squash with salt, pepper, and lemon juice, and then top with slivered almonds or toasted sesame seeds. 3. Go Thai. Create this Spicy Peanut Sauce for dipping lightly steamed broccoli and cauliflower Recipe Corner Spicy Peanut Sauce 2 tablespoons smooth natural peanut butter 2 tablespoons "lite" coconut milk 1 tablespoon lime juice 2 teaspoons reduced-sodium soy sauce 1 teaspoon brown sugar 1/2 teaspoon crushed red pepper, or to taste Whisk together peanut butter, coconut milk, lime juice, soy sauce, sugar, and crushed red pepper in a small bowl until smooth. Per tablespoon: 50 calories; 4 g fat (1 g sat, 0 g mono); 0 mg cholesterol; 0 g carbohydrate; 2 g protein; 0 g fiber; 97 mg sodium. In a recent study, people who tossed their salads with a dressing that had some fat in it absorbed more carotenoids from the vegetables than the people who used a nonfat dressing. Carotenoids are potent antioxidants found in brightly hued produce -- think red, orange, and yellow. But the small intestine needs a little fat to absorb these power nutrients. So do several other fat-soluble vitamins, including: Vitamin E (found in spinach and broccoli) Vitamin K (found in cabbage, cauliflower, and turnip greens) Vitamin D (found in some fish and in fortified dairy) When you're dressing your veggies, remember the Brylcreem jingle: "A little dab'll do ya." You can nearly undo all the good in veggies by turning them into high-calorie, high-fat side dishes. So don't drown them in sauces and oils. Think lightweight summer ensembles -- a little dribble of olive oil on a sliced tomato or a smattering of chopped walnuts on your spinach salad. Or a bit of Thai peanut sauce on your steamed broccoli. Check out this spicy peanut sauce recipe below. Source: Real Age Balanced Meals I’ve not been eating balanced meals lately. I am hungry in the morning and have oatmeal or a nutrition bar. Lean Cuisine frozen dinners are blas? now. And McDonald’s has the mint milkshake out and I’ve had 2 already. After my commute home, it could be 7 pm by the time I get home and by then, I’m just thirsty. I’m thinking about seeing a nutritionist to help me with some basic meal plans. If anyone knows of anyone good, please let me know. Money Matters 15 Money Moves for Tough Times 1. Eliminate the nonessentials. One way to avoid putting spending on automatic pilot: Write down everything you buy and the price. Then go through the list and "be brutal," says Nancy Register, associate director for the Consumer Federation of America. Ric Edelman, Certified Financial Planner and author of "The Truth About Money," agrees. "You need to make sure you're not spending any money that doesn't absolutely, positively need to be spent," he says. "A lot of people are spending money frivolously on wants they consider needs." If you have kids, "It's a great time to explain wants versus needs," says Linda Sherry, director of national priorities for Consumer Action. 2. Start a go-to fund for emergencies. The average family will face up to $2,000 a year in unexpected bills, says Register. For families already stretching to pay the bills, those surprises can trigger long-term financial problems. While you can't plan what or when, you can have money set aside just in case. "You need to really boost your cash reserves," says Edelman. His recommendation? Aim for one year's living expenses in an assortment of liquid vehicles, like a bank account, money market account and short-term CDs. One way to kick-start that fund: Shave off 10 percent of your take-home pay every time you get a check, says Gail Cunningham, spokeswoman for the National Foundation for Credit Counseling. Keep it liquid and make saving automatic. Look for a money market account that pays the highest rate you can find, says Register. Want to make sure you're consistent? Arrange to have the money deposited electronically. Deposit any "extra" money you receive, like that birthday check, bonus, tax refund or raise. 3. Consider cutting back (rather than cutting out) some expenses. Depending on your current situation and concerns, it might make more sense to just scale back. "It's much more effective if people cut back rather than cut out," says Cunningham, "because it's the change in behavior that's so tough." Examine services you're paying for and not fully using, like the cell phone plan with unlimited texting or the premium cable package. Are there less expensive options that would make you just as happy? Would bundling (buying several services from the same provider) save money? Make it a family discussion, says Cunningham. "That way, everyone is pulling in the same direction." 4. Safeguard your current job. Remain engaged and enthusiastic, keep a high profile and network, network, network. Make yourself visible "as someone who wants to be part of the team," says Martin Yate, executive employment coach and author of "Knock 'Em Dead 2008: The Ultimate Job Search Guide." Three keys to making yourself invaluable: First, analyze how much you save or produce for the company. And don't be afraid to let higher-ups know what a key role you're playing in company success. Second, stay current with the latest developments, continuing education and technology in your field. Third, participate in at least one local professional organization. Not only will the connections help you in your current job, they can also make securing the next one much easier. "It immediately gives you a relative, professional network for your search," says Yate. 5. Be on the lookout for your next job. Just like a corporation, you have to ensure your own financial survival, says Yate. If you believe that your company or job is in jeopardy, update that resume, reach out to your network, hit the job boards (anonymously) and ignite your job search. 6. Keep your debt load light. Use credit only if you are paying off balances in full every month. Otherwise, switch to cash, checks or debit cards, says Cunningham. "That way when the money's gone, the spending stops." 7. Barring a complete personal financial meltdown, continue funding your retirement. "Retirement is going to come," says Edelman. "You need to be ready for it." 8. Swap extraneous spending for smart long-term moves. You can live another month without a new DVD player, but servicing your car or home heating system could net you a nice savings through fuel efficiency and keep you from having to shell out for expensive repairs later. 9. Investigate refinancing. If your credit is good and you're planning to stay in your house for a few more years, refinancing could be a smart move. Prime rate loans are the lowest they've been in two years, so investigate if a refinance could save you money every month, says Edelman. Do the math and analyze what it could save you. 10. Re-examine your insurance. You don't want to be underinsured or overinsured. The key is to have enough to cover you at the best rate you can find. Shop your policies, set your deductibles at the highest amount that you can comfortably pay out of pocket and make sure you're getting credit for everything appropriate, like having car alarms, air bags and a good driving record, says Cunningham. 11. Adjust your withholding allowance. "The average refund is well over $2,000," says Cunningham. And most people "could use an extra $200 every month," she says. The goal: Pay exactly what you owe. You can use the withholdings calculator at IRS.gov to determine what your withholding amounts should be. Then make the correction with your employer. "You can do that at any time of year," says Cunningham. 12. Reward yourself. Hold out a little discretionary money that you can use for fun. If you have an unexpected windfall, like a raise, bonus or tax refund, "Treat yourself with some small part and save the rest," says Cunningham. Another trick for monthly family treats: At the end of the day everyone in the household puts their pocket change in a big jar. Says Cunningham, "At the end of the month, you'll have $20 or $30, and you'll never miss the money." And if things get really bad ... 13. Ask for an extension on your car loan. "Typically, they will do this once or twice a year," says Cunningham. How it works: Instead of making your regular payment this month, the lender would tack an extra month onto the end of your loan period. But you won't get off with a zero payment this month, warns Cunningham. You still have to cover the interest. 14. Get an extension on the mortgage. Some home lenders will let you do something similar for your mortgage, says Cunningham. The downside is, while it will help you if you're trying to make up for a short-term problem, (like a large, unexpected bill), it's not effective if you've got a long-running situation, like regular medical bills, a resetting interest rate you can't handle or a long stretch of unemployment. To work out such a deal, contact the loss mitigation unit in the mortgage department of the company servicing your loan, says Allen Fishbein, director of housing and credit policy for the Consumer Federation of America. Other typical department tags: home preservation or foreclosure avoidance. 15. Talk to a mortgage counselor. Just as you can get debt counseling help, you also can get mortgage counseling. What to look for: a nonprofit service with counselors who are HUD-certified. They can examine your situation and offer some options like renegotiating your mortgage or getting a rate freeze on your loan that will help you keep your home. They can also negotiate with your lender on your behalf. You can search for counselors on the HUD Web site or call the Department of Housing and Urban Development at (800) 569-4287. However, not all counselors can be trusted. "Beware of foreclosure rescue companies or organizations that bill themselves as counseling organizations" but are for-profit, says Fishbein. There is actually some good news for homeowners as a result of the lending crisis, says Fishbein. If you're willing to be pretty candid about your situation, "there may be more options" available than you realize, he says. "Lenders are doing things they traditionally haven't done to keep people in their homes." Source: Yahoo! Finance * * * * * * * * * * * * * * * * * * * * * * * * Sponsor News: During March and April, LinorStore will donate a percentage of sales proceeds to the American Cancer Society. This is in honor of Women’s History Month, specifically in memory of Linda’s mom and aunt, who succumbed to cancer. You can host a jewelry party in your home (in the Elgin area) and earn free jewelry from your sales. Or, you can come to a show at my home. Just let me know when you'd like to come. Groups are preferred. See new jewelry items at www.lindab142.esty.com. Linda also has a presence on Facebook and MySpace. It’s been a busy time, getting new products created and online. With every puchase, you’ll receive a free guide to the colors of chakras. Linda’s new line of spiritual jewelry based on gemstones and colors will be coming out within the next few months. * * * * * * * * * * * * * * * * * * * * * * * Cell phone privacy: • Don't ever text personal information such as your PIN number, password, or banking information to anyone. Remember, once you send that information to another person, it gets stored in their cell phone and you don't want that. • Put a password on your phone to keep others from accessing your text logs or email. This will also prevent thieves from stealing information stored in your phone. • iPhone owners may want to change their SMS preview settings to make incoming text messaging more private. Apple iPhone Review has instructions on how to do this. • Those concerned about privacy, can send anonymous text messages with services like AnonTxt.com. • Don't forget to erase all your personal data before selling, recycling or donating your old phone. Many people are still under the impression that taking out your SIM card will do the trick, but that's not true. You'll need a series of codes to permanently delete stored information in one step, instead of manually. For this, you'll need to find out if your phone has a "master reset" feature, which wipes out all the stored data at once. Since every phone has a different set of "master reset" instructions, you'll need to either look them up online or on your phone's manual. Recellular has a database of these codes with step-by-step instructions. You'll need your phone's make and model to get started, so if you don't know it, check the back of the phone or the box. • And last but not least, remember that no matter how secure you think your carrier's SMS servers are, the ultimate security of private text messages depends on the recipient. Have a great peaceful and productive week. Linda Blatchford Etailer, Jewelry Designer www.LinorStore.com lino r 06 at com cast . ne t |
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