Jeffrey Campbell - February 2021

The Truth About Dark Chocolate

As you give and get chocolate for Valentine’s Day (or jump on post-holiday chocolate sales), you’ll probably hear that dark chocolate is healthy for you. Before you decide to incorporate dark chocolate into your daily diet, you should ask yourself what that means. Can dark chocolate really be “healthy”?

However, the amount of flavanols found in a typical 1-ounce piece of 80% dark chocolate is very small. Alice H. Lichtenstein, a Gershoff professor of nutrition science and policy at Tufts University in Boston, says, “Dark chocolate has more flavanols than other types of chocolate; the data to suggest there is enough to have a health effect is thin at this point.”

Studies on dark chocolate’s supposed benefits focus on compounds found within cocoa, specifically flavanols, which are found in most fruits and vegetables (and cocoa!) and help lower blood pressure and reduce low-density lipoproteins, aka “bad” cholesterol.

A 2017 study published in the Journal of the American Heart Association that focused on dark chocolate, cocoa, and raw almonds also concluded that the heart benefits were small. Dark chocolate appeared most effective when paired with other heart-healthy foods, such as almonds.

By that notion, dark chocolate does have heart health benefits, but taking advantage of those benefits is not as simple as just eating dark chocolate. Each bar will include a percentage, which indicates the amount of cocoa.

So what about other types of chocolate, like milk or semi-sweet? Once the cocoa content falls below 60%, the benefits disappear entirely. The flavanol levels are too low and the sugar and fat content too high, which negates any heart health benefits. As with all good things, moderation is key. Eating too much dark chocolate has the reverse effect and can cause inflammation, and inflammation is the enemy of the heart.

The higher the percentage, the better; 70%–80% is considered the sweet spot in terms of balancing health benefits and flavor, but as the percentage of cocoa increases, the more bitter the chocolate becomes.

Money Scams Are Skyrocketing Here Are 3 Ways to Protect Yourself Right Now

For the past year, scammers have been working full time to fleece people. As a result of COVID-19, federal financial relief efforts, and state-level relief efforts, scammers have found a new way to get into their victims’ pockets. Now, they’re using COVID-19 again, this time with the “vaccine scam.” Through this

the same time, delete scam texts or emails the second you see them. If you get a call, text, or email from someone claiming to be with the government or a government agency, it’s a scammer No one from any federal agency will ever call you out of the blue. Anyone claiming to have a cure or pretending to be in desperate need of money is also trying to scam you. Never say a word back to them. Cut them off and go about your day. 2. Sign up for Informed Delivery by USPS. This free service is a great way to monitor your incoming mail. Every morning, USPS sends you an email with scanned images of the day’s mail (this doesn’t usually include larger parcels). When you pick up your mail later in the day, you can verify if anything is missing. Scammers may prefer phone calls, but mail thieves are still very much on the prowl. 3. Sign up for an identity protection and fraud detection service. You never know who might end up with your personal information, but you can take steps to keep it safe. There are several services, like LifeLock, Identity Guard, and Intelius Identity Project, that offer comprehensive identify protection. They monitor credit cards, addresses, phone numbers, bank accounts, and more with the purpose of scoping out unusual or fraudulent behavior. Many services can be customized to fit your specific needs.

scam, they’ll sign you up for the COVID-19 vaccine in exchange for a fee. They are also using variations of the grandparent scam, in which scammers pretend to be a family member in trouble (this time, they have COVID-19 or have lost their job) and they need money. Scammers make phone calls, send text messages, and craft phishing emails, hoping you’ll take the bait.

How can you protect yourself from these financial scams and more? Try these three different ways!

1. Shut them down. If you get a call from a scammer, hang up immediately (better yet, don’t answer unknown callers at all). At

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