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Club MED
August 2023
Shopping Is in Our Genes! HOW GENETIC EVOLUTION HAS SHAPED SOCIETY
I’m a curious person; I like knowing how things work. My dad used to tear apart engines to see how they worked and then put them back together for fun. My curiosities are more abstract. My latest curiosity is evolutionary biology, especially how masculinity and femininity developed. How does human DNA create the differences in the genders?
Over the millennia, female human biology was honed to absolute perfection for gathering food and items for the home. The female gender especially developed as highly skilled food gatherers, selecting the best and safest food and finding things for the home most beneficial to the family. Rooted in the very DNA of women is a shopping gene.
Modern humans have only been around for 400,000 years. Thirty-four different subspecies (Neanderthal, Cro-Magnon, etc.) have led to the development of modern humans. Those primate species reach back 7 million years. When you look at those most primitive primates, our evolution is enormous. Homo sapiens began fishing and cooking 164,000 years ago. About 90,000 years ago, humans developed special fishing tools. The agricultural revolution started approximately 12,000 years ago.
While you may think I’m making light of female nature, this is serious. In human evolutionary history, women moved in packs when they went out
gathering — shopping. As they combed the landscape for berries, they signaled to one another where the better berries were, like sales, discount racks, and the hottest fashion. Back at home, they would tell stories of their gathering exploits recounting the big bush with the largest berries, the stream with the most fish, and the tree with the silkiest leaves for skirts.
During that time, homo sapiens changed. The crucial changes were environmental adaptations
I observed an advanced evolutionary female gathering behavior this weekend. My cousin from Florida was in town with his wife, Tammy. Bev, my wife, and Tammy started to devolve into female patterns of telling shopping stories and sharing gathering strategies. Tammy showed Bev a gathering/shopping technique she discovered. You take a photo of an item you are hunting for with your phone. Let’s say a purse. Then you put the photo into a unique app, and the app will find all the purses in the world like that purse in the photo, along with the lowest prices. Eureka! You'd think they had discovered fire. The hoots and hollers that went up were exceptional. They even did a little tribal dance at the discovery, clutching the phones to their breasts and waving them about.
that enabled humans to survive better. Some of those adaptations were more like the improvements we produce in animals and plants through selective breeding and genetic engineering. That type of “evolution” can make animals and plants bigger and better, but genetic engineering is not evolution. The Theory of Evolution is about natural mutations that occurred in the distant past. The mutations enable the species to survive longer. The species that survive longer breed more and pass on their better genes. The species with the dominant genes grew and prospered. The weaker diminished and died out. The whole process of adaptation, change, mutation, and transmission to the next generation created enormous development of the human species over time. As a primitive species before the agricultural revolution, we survived as hunter-gatherers. Men were better suited to hunting. Women were exclusively suited to childbearing. As immediate caregivers to the next generation, they remained close to home, gathering food and caring for the home and children.
Evolution is amazing. Who would have thought the cellphone was the next step in the evolutionary DNA of females?
–Christopher J. Grimmond
Medicare Insurance Made Easy
402-614-3389 • 1
WHY OUTDOOR MOVEMENT IS BETTER WHERE YOU EXERCISE MATTERS
We all know exercise is good for our physical and mental health. But whether we’re going on a jog through nature or clocking minutes on a treadmill, it’s all the same — right? A recent study suggests there may be a crucial difference. There is mounting evidence that where you exercise matters. A small study from the University of Victoria recently researched the benefits of “green exercise,” or that performed in nature. The authors of the 2023 paper found that physical activity in natural surroundings had benefits beyond those generally associated with movement. Study participants who went on 15-minute walks outside saw improvements in memory and concentration more significantly than when they performed the same exercise indoors.
Neuroscientists behind the research can only guess why these results occurred. Some experts believe being out in nature helps us relax and quiet our brains. Additional research also demonstrates that people generally find outdoor exercise less physically taxing than indoor varieties — even when the outdoor exercise is quite strenuous. These findings confirm something you may have already expected to be true. You probably feel better after a bike ride through the park than spending the same time on a stationary bike in your basement. Exercise on gym equipment can also be tedious, and many people spend the bulk of their time staring at the clock, counting down the minutes until they’re finished. We’re less likely to have that problem outside.
Unsurprisingly, doctors argue that any physical activity is better than none. Using gym equipment will provide far more benefits than sitting on your couch. But when you have the option to exercise outdoors, you should take it. Just remember that all outdoor exercise is not created equal. The Washington Post reports that outdoor activity in urban areas surrounded by concrete does not appear to have the same benefits as exercise in quieter, greener places. Fortunately, it doesn’t take much to see an impact. From a mental health perspective, 15 minutes of green exercise at a time seems to be ideal. So, get out as much as you can. And when you’re stuck inside due to weather or other circumstances, continue to make the most of it with as much exercise as possible.
GENERAL CHANGES COMING TO MEDICARE: PART 2
DON’T MISS THESE OPPORTUNITIES
We discussed the changes in Medicare for those who need Insulin last month, so this month, we’re discussing more general changes coming to Medicare so you’re prepared to take advantage.
MEDICARE PART D ANNUAL LIMIT IN 2025 The Inflation Reduction Act (IRA) mandates that the annual limit of the Medicare Part D prescription drug will be $2,000 for all tiers of drugs starting in 2025 and indexed for inflation yearly after that. Part D expenses are not currently capped. The law also includes a 6% limit on Part D premium increases. SMOOTHING PART D OUT-OF-POCKET COSTS Another challenge with Medicare Part D prescription drug expenses is the costs. One month they may be $1,000 and the next, $100. Most consumers’ incomes are fixed, and spikes in expenses create financial hardship. New IRA laws offer an option for “smoothing” the payments evenly over the year. In 2025, when the medication copays are set at a total out-of-pocket of $2,000 per year, “smoothing” would be a $167 monthly payment for those on medications that reach the cost cap. THE BOTTOM LINE FOR UPCOMING MEDICARE CHANGES The Medicare Part D prescription drug program has evolved since its inception in 2006. The Inflation Reduction Act (IRA) introduces significant changes to Medicare from 2023 to 2025. The law addresses the growing senior population dependent upon insulin and the drug’s rising cost. It is essential to be aware of these new laws and benefit from them to get the medications you need to stay happy and healthy.
TRUE OUT-OF-POCKET COSTS CARRY OVER Medicare Part D prescription drug plans track how much
beneficiaries pay and what the plan pays. These amounts determine where the beneficiaries are in the four stages (deductible, initial, the gap (or Donut Hole), and catastrophic) of Medicare Part D. This calculation is called True Out-of-Pocket (TrOOP) costs. Changing Part D plans in the middle of these four stages does not reset what stage you are in. The amounts, totals, and placement within Part D plan phases transfer to the new plan. MEDICARE CHANGES TO THE CATASTROPHIC PHASE When a beneficiary reaches the catastrophic phase, approximately $7,400 in out-of-pocket costs between the beneficiary and the plan, prescription costs are lowered, barring expensive medication. The coinsurance in the catastrophic phase for costly medications is an unlimited 5%. New 2024 legislation will mean beneficiaries will no longer pay the unlimited 5%. The out-of-pocket cost will stop at a hard cap of $3,250 out-of-pocket max for beneficiaries.
2 • OmahaInsuranceSolutions.com
Testimonial
Everyone knows about male-pattern balding, but hair loss can come as a rude surprise to many women as they enter their 40s and 50s. Unfortunately, the lost hair rarely returns, but there are ways to look beautiful and confident despite a receding hairline or widening part. The right solution will depend on where you’ve experienced the most loss, so we’ve compiled several ways to draw attention back toward the locks you have left. RECEDING HAIRLINE Women’s most common form of hair loss occurs around the temples. Fortunately, you have numerous options if your hairline is creeping farther back on your head. Bangs are a tried-and-true option to camouflage the problem, and side-swept bangs can make the tactic less obvious. Meanwhile, face-framing layers can help blend your thinning edges into your overall hairstyle, disguising them as a part of the cut. Finally, carefully placed headbands can look chic while also covering any problem areas. LOSS OF VOLUME Another common problem is the overall thinning of your hair. There may not be specific problem patches, but the hair looks limp and less voluminous than before. While many think a longer style will make their hair look thicker, the opposite is true. Instead, try a blunt bob. The reduced weight will help lift roots, and the sharp edge along the bottom will help your hair appear fuller. Further, remember that it’s easier to create volume with your blow dryer and hair products when your hair is short. THE BEST STYLES FOR MASKING HAIR LOSS Through Thick and Thin
“Chris is the best at explaining Medicare and any added benefits and plans. Without him, I wouldn't
know what to do. Because of his expertise, he helped me
decide.” –Carol P.
Hoisin-Glazed Pork Chops
Inspired by TheModernProper.com
These savory and sweet pork chops are covered in a flavorful hoisin glaze and take only 30 minutes! Ingredients
• 2 garlic cloves, minced • 2 tsp minced ginger • 1/3 cup hoisin sauce • 2 tbsp rice vinegar • 2 tbsp water
• 4 boneless pork
chops (about 2 lbs)
• 3/4 tsp salt • 2 tbsp sesame oil • Cilantro (optional)
THINNING PATCHES Centralized hair loss is challenging to cover, but it’s not impossible! Women experiencing hair loss around their normal hair part will likely benefit from a zigzag or flipped side part to disguise the thinning. The head’s crown is another common location
Directions 1. In a small saucepan over medium heat, simmer garlic, ginger, hoisin sauce, rice vinegar, and water. Whisk occasionally until mixture is fully incorporated (about 4 minutes). Set aside. 2. Lightly salt pork chops. In a large skillet over medium-high heat, add sesame oil and wait until smoking. Place pork in skillet and cook until browned (3-4 minutes on each side, depending on thickness of pork chops). 3. Remove pork chops from skillet and transfer to a cutting board. Let rest for 5 minutes. 4. Drizzle hoisin mixture over pork chops and top with cilantro if desired.
for bald patches. Try a top knot or high ponytail to hide the issue. Just be sure not to pull the hair too tight, or it could bring unwanted attention to other types of thinning.
Every woman’s hair texture and volume are different, so you might need to experiment until you discover a style that works for you. Your best bet is to find a hairstylist you trust and ask their opinion. They’ll know which options will flatter or fall flat.
402-614-3389 • 3
11414 W. Center Rd., Suite 250 Omaha, NE 68144 402-614-3389 OmahaInsuranceSolutions.com
PRSRT STD US POSTAGE PAID BOISE, ID PERMIT 411
Code 75216_071823_MK
INSIDE This Issue
Shopping Sprees Date Back to the Stone Age
1
Are You Exercising in the Right Place?
2
2
Medicare Is Evolving: Part 2
3
Disguise Thinning Hair With These Styles
3
Testimonial
Hoisin-Glazed Pork Chops
3
4
When Life Gives You Lemons
Squeeze the Day
Juicy Uses for Lemons
Lemons — they’re sour, aromatic, and juicy. Contrary to popular belief, though, these little citrus fruits can be utilized in more ways than making lemonade or as a kitchen staple. There are many unusual and resourceful applications that may surprise you! Here are some fun and creative uses for lemons around the house and for your health and wellness! FIGHT OFF BUGS Pests like ants, mosquitoes, and spiders enjoy summertime, but insects can make humans miserable. Citrus oil found in lemon peels is a natural bug repellent. In fact, the scent alone keeps them away. Place lemon peels on your counters, windowsills, and the nooks and crannies of your house to keep bugs out! STICK-NO-MORE How often have you cooked rice in a pot on the stove, only to have it stick to the bottom
of the pan? So frustrating! Add a tablespoon of lemon juice to your rice’s boiling water to prevent this grain from sticking! REMOVE BLEMISHES Did you know that lemon juice is a natural astringent? Applying just a tiny amount after cleaning and drying your skin clears pores and removes oil and dirt that can lead to acne and zits.
CLEAN YOUR MICROWAVE Try this hack if you have food buildup in your microwave. In a bowl, combine water, lemon juice, and slices of lemon. Heat the mixture in your microwave on high for three minutes, remove the bowl, and wipe the microwave’s interior clean! You’ll be surprised just how easily the residue cleans up!
BREATHE EASIER
When you’re sick, one of the
most frustrating things is congestion. Drink lemon juice and hot water to reduce phlegm, soothe the throat, and relieve other cold symptoms.
FRESHEN YOUR BREATH Lemon juice is an excellent tool for combating bad breath. Drinking lemon water can help fight odor-causing bacteria in your mouth. Because lemon juice can erode the enamel on your teeth, follow it up with some plain water!
Who would have thought the lowly
lemon had so many practical applications?
4 • OmahaInsuranceSolutions.com
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