monthly “You are not alone.”
THE SLIM SCIENCE BEHIND FASTING DIETS I nvestigating the H ealth T rend T hat ’ s A ll the R age
FROM THE DESK OF
YOU DON’T NEED TO BE LUCKY JUST SMART
Can you guess what these are? The Lucky Duckling, Lucky Fin and Lucky Lottery. Hint: they are not names of books, nor are they names of rock bands -- they are actually names of TRUSTS that lottery winners used to claim their winnings. Why? In Ohio, lottery winners often use trusts to claim their winnings. It’s a great way to maintain their anonymity. But, you don’t have to be a lucky lottery winner to establish a trust. You just need to be savvy enough to know that trusts are a great way to protect your assets. A trust is actually it’s very own entity — like a business. When you put your assets into a trust, you can designate exactly what happens to them. It’s a great way to make sure that your loved ones (who may not be as financially savvy as you) are protected, and that your assets are protected in the event that you need nursing home care.
If each new year brings with it a new diet plan that promises the world to those who follow it, 2019 is shaping up to be the year of fasting. If you’ve missed the hype, fasting is quite a bit simpler than other nutrition trends like the keto diet or Weight Watchers program. Instead of counting calories or limiting sugars, you just don’t eat. Supporters argue that by putting your body into a “fasting state,” you can shed pounds and damaged internal tissue, increase your energy, promote cellular repair, lower bad cholesterol, and even protect against neurodegenerative diseases like Alzheimer’s and Parkinson’s. Chances are you have a friend or loved one who’s tried out some form of fasting and discovered dramatic benefits. But before everyone starts skipping meals, it’s important to examine the research. Writer Julia Belluz at Vox splits the fasting trend into four categories. The first, “intermittent fasting,” cuts out or drastically limits your calorie intake intermittently. For example, thousands of people follow the popular “5:2 diet,” during which you eat normally on weekdays but consume less than 500 calories on Saturday and Sunday. Second is “time-restricted feeding,” where you only eat during a four- to six-hour window each day — followers usually skip breakfast or dinner. The third category is “periodic fasts.”With this diet, extreme fasters abstain from food for several days, opting for calorie-free fluids instead. Finally, there is the “fasting mimicking diet,” which involves intaking highly limited, plant-based calories for several days each month. People who use this technique like it because they believe they get the benefits of fasting without missing out on key nutrients.
Come to one of our weekly FREE seminars and see how these savvy strategies can work for you.
The underlying philosophy behind fasting for weight loss is pretty self-evident — if you don’t eat for periods at a time, you’re bound to burn off some weight. But proponents
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that show it can improve health, they have very small sample sizes and there is not enough data to be conclusive. It’s worth noting that fasting to lose weight can be an extremely difficult strategy to stick to, and according to one literature review, as many as 40 percent of fasters drop out of the diet. Furthermore, at least one study indicates that fasting is not superior to the average calorie- counting diets. In short, fasting is promising, but the data is inconclusive. It may help you live longer and fight off disease, but it is also notoriously tricky. The average dieter is just as well off with regular calorie counting, especially if you’re not looking to get too intense with your diet plan. Before you start skipping dinner every day, visit your doctor. If they say fasting is right for you, go for it. Just because the jury is still out doesn’t mean you can’t reap the benefits of the trend — just go into it with a healthy attitude, be safe, and understand that fasting is not magic.
say the diet’s success can be attributed to more complex factors as well. They argue that as the human race shifted from hunter-gatherers to world-conquering agriculturalists, we left our evolutionary path. Before crops existed, we weren’t wired to eat three square meals every single day. Instead, we made do with what we could find, often fasting for days at a time out of necessity. In addition, some researchers who advocate fasting point out the benefits it can offer regarding disease prevention and longevity. Autophagy, the process by which the body eliminates and replaces damaged cells, is believed to accelerate during intermittent fasting. As the thinking goes, the faulty cells die first during fasting, enabling the stem cells to start regenerating key tissues. The science backs up some of these claims, but there are a few issues regarding fasting research. Most of the research behind fasting doesn’t examine its effect on weight loss, and most of it comes from animal trials, not human trials. Though there are a few human trials on fasting
An Inside Job The Curious Case of the Disappearing Flags
Apparently, the wooden flagpoles attract groundhogs, something other groundskeepers have experienced as well. “I’m glad we don’t have someone who has taken it upon themselves to desecrate the stones and the flags in front of them,” said Hudson mayor Bill Hallenbeck. “We can all rest a little easier knowing that it was a critter and not a human defacing our flags, especially those of the veterans,” added Hudson’s police commissioner.
Like the year before, flags were placed on veterans’ graves in honor of Independence Day, and again, they went missing sometime in the night, this time taken from the graves of African American Civil War soldiers. Cemetery caretaker and veteran Vincent Wallace was appalled, as was the rest of his community. “I just can’t comprehend the mindset that would allow someone to do this,”Wallace said. Determined to find out who was to blame, police put up surveillance cameras and recorded the goings-on in the cemetery. As they watched the tapes, sure enough, they saw one of the culprits sitting atop a gravestone with an empty flagpole in front of him. It was a groundhog.
Theft is a serious matter, made even more grave when the victims are fallen war heroes. Such was the situation that stumped police in Hudson, New York, in 2012. The crime was first committed in July of the previous year. Flags had been placed around the graves of soldiers in Cedar Park Cemetery — only to go missing right around Independence Day. Veterans groups and locals were outraged and mystified by the crime. Some worried that a hate group was to blame, as the missing flags had adorned the graves of Jewish soldiers. Veterans worked to replace the flags, one by one, and right the wrong. No culprit was found, and the community moved on — until the following July, when the mystery repeated itself.
Turns out Punxsutawney Phil has some very naughty cousins — ones who aren’t subject to the law.
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When retirement approaches, youmay be thinking about the freedom you’ll enjoy after putting in your last nine-to-five. It’s a culmination of years of hard work and a cause for celebration! Before you get to celebrate, though, it’s important to consider what kind of support youmight need down the road. With our generation living longer than our parents, there’s a possibility that we may require additional support services. You and your spouse may not know if either of you will need in-home care, but considering this possibility and the financial factors that come with it can help you better enjoy this exciting phase of your life. Inmost cases, neither Medicare or Medicaid covers in-home care. There are some exceptions, like home- and community-based services that are state and locally funded and cover those who qualify through Medicaid. If you or your spouse are veterans andmeet the requirements, youmay be eligible for aid and attendance benefits. These benefits are paid for by the VA in addition to a veteran’s monthly pension. It may cover the costs of in-home care for veterans who require the aid of another person or are housebound. Visit Benefits.va.gov to learnmore. Still, youmay not want to rely on qualifying for one of these services. Consider adapting your estate plan to include designated in-home care. Meet with your attorney to review your living trust and see if it addresses a caregiver. To Live Your Best Retirement Creating a Home Care Plan
Talk to your family members and loved ones about the possibility that you or your spouse may need this service. While a family member may offer to step into that role, consider how easily they will be able to carry it out. Even a part-time caregiver could provide you with support andmake your family members feel like they are not doing it alone. Planning for the possibility that youmay need in-home care services can helpmake your retirement evenmore enjoyable. Knowing you’ll have a close helping hand can ease your family’s worries and even strengthen your bond.
Take a Break!
EVERYTHING POPCORN Recipe courtesy of Food & Wine magazine.
Everything is the best bagel flavor. This is not a matter of debate. Sprinkle the seasoning on popcorn for a delicious snack that will have people asking, “What does this remind me of?”
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2 teaspoons granulated onion
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3/4 cup popcorn kernels 2 tablespoons flaky sea salt 1 teaspoon black sesame seeds 2 teaspoons white sesame seeds 2 teaspoons granulated garlic
1/3 cup canola oil
4 tablespoons unsalted butter, melted
1. In a small skillet over medium heat, toast sesame seeds. Shake skillet often and cook until white seeds are golden and fragrant, about 2 minutes. Transfer to a small bowl and add garlic, onion, and salt. 2. In a large saucepan, combine popcorn kernels and oil. Cook over medium-high heat, covered, until popcorn kernels start to pop. Once popping, continue cooking and shaking the pan intermittently until popping ceases, about 3–5 minutes. 3. Transfer popcorn to a large mixing bowl. Pour in butter and toss to coat. Finally, add seasoning, toss again, and serve.
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INSIDE THIS ISSUE From the Desk of Paul Stano PAGE 1 The Skinny on Fasting Diets PAGE 1 The Curious Case of the Disappearing Flags PAGE 2 Considering the Costs of Home Care PAGE 3 Take a Break PAGE 3 Everything Popcorn PAGE 3 How to Make Your Sailing Dreams Come True PAGE 4
Take Your Next Trip Offshore SET SAIL FOR VACATION
TAKE A DAY SAIL
Many day-sail charters exist for those who want to go out a little farther than a dinghy would permit. If you’ve captained a boat and are familiar with the waters, you can apply for a bareboat charter. However, if you are inexperienced or simply don’t want a local guide at the helm, signing up for a day trip with a skipper and crew is a great option. Short of owning your own vessel, chartering a boat for multiple nights is the closest you can get to living out your nautical dreams. Some of the most beautiful destinations on earth — from the Caribbean Sea to the Mediterranean — are best experienced from the deck of a sailboat. Letting the sea guide you to amazing snorkeling destinations, remote cays, and bustling harbors is the stuff of real adventure. DO A FULL CHARTER
fit 1–2 people and can be rented at most water sports shops. If you want to make it a family experience, shops usually have 16- foot catamarans for rent as well. Catamarans have two hulls rather than one, making for a smoother, more spacious ride. If you’ve never sailed before, inquire about lessons. Most rental operations have instructors on hand who can show you the ropes. The great thing about sailing is that whether you’re in a 12-foot dinghy or a 60-foot sloop, the same basic principles, rules, and skills apply.
If you’re lucky enough to have been aboard a ship under full sail, chances are you know the thrill and serenity sailing can give you. If you’ve never been but have always wanted to know what it’s like to get out on the wind and waves, there are many great options available for beginners. Here are some ideas to inspire your next waterside vacation.
For those who dream of becoming a skipper one day, a great way to start is by sailing dinghies. These one-sail, beach-launch boats
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