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Healthy Choices
Molasses-Glazed Chicken Thighs
Skinned and boned chicken thighs are available in the fresh poultry section of most supermarkets.
Ingredients
¾ cup molasses ⅓ cup soy sauce ¼ cup fresh lemon juice ¼ cup olive oil 3 garlic cloves, minced 1 teaspoon pepper 12 skinned and boned chicken thighs
Directions
Combine first 6 ingredients in a shallow dish or large zip-top freezer bag; add chicken thighs. Cover or seal, and chill 8 hours, turning occasionally. Remove chicken from marinade, discarding marinade. Grill chicken thighs, covered with grill lid, over medium heat (300° to 350°) 5 to 6 minutes on each side or until done.
Yield: 6 servings. Per serving: Calories 332 (44% from fat); Fat 16.2g (sat 3.9g, mono 7.8g, poly 3.1g); Protein 28.8g; Carb 16.6g; Fiber 0.2g; Chol 102mg; Iron 2.7mg; Sodium 548mg; Calc 59mg
(Southern Living Cookbook)
Sesame-Soy Noodles with Shrimp
If you're a fan of spice, add either the optional crushed red pepper flakes or Sriracha to this version of the American Chinese takeout favorite lo mein.
By Emily Teel
Source: Better Homes and Gardens
Ingredients
- 3 tablespoons reduced-sodium soy sauce
- 3 tablespoons oyster sauce
- 1 tablespoon toasted sesame oil
- 1 tablespoon vegetable oil
- 12 ounces fresh or frozen (thawed) medium shrimp, peeled and deveined
- 3 green onions, trimmed and cut into 2-inch pieces
- 1 tablespoon minced ginger
- 3 garlic cloves, sliced
- 3 baby bok choy (1 pound), trimmed and sliced
- ½ red bell pepper, cut into bite-size strips
- 1 14.2 ounce package precooked Hokkien noodles
- Crushed red pepper or Sriracha
Directions
- Step 1
- Step 2
- Step 3
- Step 4
Nutrition Facts
Per Serving:
304 calories; fat 10g; cholesterol 148mg; saturated fat 1g; carbohydrates 33g; mono fat 1g; poly fat 3g; insoluble fiber 3g; sugars 3g; protein 23g; vitamin a 5225.3IU; vitamin c 71.6mg; thiamin 0.4mg; riboflavin 0.3mg; niacin equivalents 3.1mg; vitamin b6 0.3mg; folate 168.7mcg; vitamin b12 0.1mcg; sodium 814mg; potassium 926mg; calcium 183mg; iron 3mg.
The Vanishing Brick-and-Mortar Bank Branch
by John Waggoner, AARP, April 15, 2021
If you aren't seeing as many bank branches as you used to, your eyes aren't deceiving you: Thanks in large part to bank mergers and a shift to online banking services, thousands of branches closed in 2020. Although no one expects bank branches to go the way of the dodo, more closures are on the way.
Banks closed a record 3,324 branches nationwide in 2020, and opened 1,040, for a net loss of 2,284 branches.
— S&P Global Market Intelligence data
Consumers can do most banking tasks by phone or computer — but not all of them. When a branch closes, you may have to travel farther to get a safe deposit box or a certified check. “These are things that don't come up very often, but rank high in urgency when they do,” says Greg McBride, chief financial analyst for Bankrate.com.
Where have all the bank branches gone?
During the 2001-2007 housing boom, bank branches were as ubiquitous as Starbucks coffeehouses. “The pattern — particularly in the Sunbelt states — was that they would build a new subdivision, and a new strip mall near the subdivision, and in every one of those strip malls was at least one bank branch,” says McBride. “So there was a branch-building bonanza right alongside the homebuilding bonanza."
The number of bank branches peaked at 92,030 in 2009, according to the Federal Reserve Bank of St. Louis, but that number has declined about 11 percent since then. And the pace has been picking up. Banks closed a record 3,324 branches nationwide in 2020, and opened 1,040, for a net loss of 2,284 branches, according to S&P Global Market Intelligence data. (The data don't include temporary closures due to the pandemic.) U.S. Bancorp shuttered the most branches — 349 — and Wells Fargo shut down 331. California, New York, Pennsylvania, Ohio, Illinois and New Jersey saw the most net closures in 2020.
A big reason for the shutdowns has been that millennials, who became the largest generation in the workforce in 2016, prefer to bank online. Banks are simply adjusting to their needs: Depositing a check by phone is far easier than going to a branch or even an ATM. “It's one of those things where if you do it once, you'll never make a deposit at a branch or ATM again,” says McBride.
Another reason for closing down branches is merger activity in the banking sector. When two banks merge, they often shut down some branches that are too close to each other. The COVID-19 pandemic slowed bank mergers in 2020 to 110, from 261 in 2019, according to consulting firm Deloitte. But some of those were whoppers, such PNC's $11.6 billion acquisition of BBVA USA Bancshares in November 2020. A surge in dealmaking at the end of 2020 is a sign that more may be in the future, Deloitte said in its “2021 Banking and Capital Markets M&A Outlook.”
Finally, there's the matter of profitability. Bank branches in upscale urban neighborhoods pull in more money from deposits, fees and services than those in small rural areas. “Banks keep on moving to the areas that are more profitable, but they are leaving other communities behind with no banking,” says Zain Tariq, manager of data journalism at S&P Global Market Intelligence.
Driving farther is just the start
One obvious effect of the spate of branch closings is that people have to drive a bit more to get to a bank. The Federal Reserve Bank of St. Louis estimates that the median distance between a closed bank branch and an open one is nearly two-thirds of a mile in rural areas, and less than a quarter-mile in urban areas. This doesn't measure the distance between a closed branch of one bank and an open branch of the same bank, however, so the estimate minimizes the potential inconvenience of a bank branch closure.
A bigger worry are so-called banking deserts, areas where the nearest bank branch is 10 miles away or more. In those areas, the Federal Reserve says, it can take people 20 minutes or more to get to a bank, particularly if they don't have reliable access to transportation. A 2017 study found 1,132 banking deserts in the U.S.
More importantly, small businesses in banking deserts may have problems getting a quick loan in an emergency. Instead, they have to keep cash on hand, Tariq says. “If you need a quick loan and they [the local bankers] know you, they're going process it faster than if you go through the bank online, where you're basically talking to a robot,” he says.
And in some communities, bank branches function as more than a bank. Capital One has Peet's Coffee shops in some bank branches and gives Capital One cardholders a 50 percent discount on coffee beverages. Umpqua Bank in Oregon goes one better: It offers free Umpqua-branded coffee and has community spaces that host yoga classes and nonprofit meetings.
What to do if your bank branch closes
- See if there's a branch of your bank a reasonable distance away.
- See if your bank offers enough online options to suit your needs. You may not need branch services to deposit checks, check your balances or transfer money between accounts.
- Make sure there are enough fee-free ATMs in your area for when you need cash.
- Consider moving your account to another nearby bank or credit union if you need branch services. Other nearby banks may offer incentives for new customers, such as higher interest rates on certificates of deposit.
- Consider using an online bank for day-to-day banking. Online banks typically have slightly higher interest rates than their brick-and-mortar brethren. Make sure the bank is legit with the Federal Deposit Insurance Corporation's BankFind tool.
Nevertheless, you should get used to seeing a “Closed” sign on your local bank branch. You may end up having to move your safe deposit box, McBride says. “It's going to be somewhere not as close, not as convenient, and there's no guarantee you won't have to move it again in a couple of years."
John Waggoner covers all things financial for AARP, from budgeting and taxes to retirement planning and Social Security. Previously he was a reporter for Kiplinger's Personal Finance and USA Today and has written books on investing and the 2008 financial crisis. Waggoner's USA Today investing column ran in dozens of newspapers for 25 years.
New At-Home COVID-19 Tests Promise Results in Minutes
Point-of-care home kits from Ellume, Abbott, Cue, Quidel and Lucira are hitting the market in 2021
by Michelle Crouch, AARP, Updated April 2, 2021
Soon it will be possible to take a COVID-19 test and get results in minutes — all without leaving your house.
The Food and Drug Administration (FDA) has given the green light to five COVID-19 rapid tests that deliver results in real time at home, including four that will be sold over the counter without a doctor's prescription.
For months, consumers have been able to purchase test kits that allow them to collect a sample at home and mail it to a lab. But those kits typically cost more than $100, and patients have to wait a few days for the result
The new at-home coronavirus tests are different because they're less expensive, more convenient and deliver results on the spot. Even though vaccination has started, public health experts say at-home tests are an important tool for helping slow the virus over the next few months until most Americans have the opportunity to get the vaccine.
The FDA has said the tests are a key tool for schools, workplaces and communities to use to quickly screen people for COVID-19 during the pandemic.
"COVID has turned out to be so difficult to control because so much of its transmission happens from people who don't know they're infected,” said Mark McClellan, M.D., director of the Center for Health Policy at Duke University and former FDA commissioner. “The faster, easier and cheaper we can make it to find out if you're infectious, the better."
Here are the answers to some common questions about the new at-home tests.
What are the different types of at-home tests?
So far, the FDA has given what's called emergency use authorization (EUA) to five at-home tests. That means the tests haven't gone through the full rigorous FDA approval process, but the agency wanted to get them on the market quickly due to the severity of the pandemic. The tests are:
- Ellume's COVID-19 Home Test: This was the first at-home test to be authorized that can be done without a prescription. It uses so-called antigen technology, meaning it looks for fragments of viral proteins. On Feb. 1, the federal government announced a $231.8 million deal to boost manufacturing of the test. The company is working with retailers to get the test on store shelves, a spokeswoman said, and it will also be sold online. It will cost about $30. The test delivers your results wirelessly to a smartphone app in 15 to 20 minutes.
- Abbott's BinaxNOW COVID-19 Antigen Self Test: This rapid antigen test has been used for months by health care providers, but on March 31, the FDA authorized it to be sold over the counter and used at home, even by those who have no symptoms. The test will be sold in packs of two, and the instructions call for it to be administered twice over three days. Repeat testing helps reduce the chance of inaccurate results. In a March 31 press release, Abbott said the test will be available “in coming weeks” on drugstore and grocery store shelves. Results are delivered in about 15 minutes on a device the size of a credit card.
- Quidel’s QuickVue At-Home OTC COVID-19 Test: This is another antigen test that will be sold over the counter. Like the one from Abbott, it will be sold in packs of two, and the instructions call for users to test themselves twice over two or three days, with at least 24 hours between tests. Results are delivered on a paper test strip that changes color in 10 minutes, similar to a home pregnancy test.
- Cue’s COVID-19 Test for Home and Over the Counter Use: This test is also authorized to be sold over the counter without a prescription, but it uses molecular technology, which can pick up very small amounts of genetic material. Molecular tests are generally more accurate than those that use antigen technology, especially in patients who are asymptomatic. Results are available in about 20 minutes. Cue Health cofounder and chief product officer Clint Sever said the company is working to make the test available at retailers nationwide, but he did not have a time frame. The company has yet to set a price for the test.
- Lucira's COVID-19 All-In-One Test Kit: Like the Cue test, the Lucira one uses molecular technology. It is priced at $50, and you need a prescription to use it. Lucira is selling the test directly to health care providers; a spokesman says your doctor can order it for you. It takes about 30 minutes to deliver results.
Data submitted to the FDA for all of the four tests shows high accuracy rates – above 80 percent — but testing experts noted that their effectiveness in the real world will likely be lower due to user error and other factors.
"When manufacturers are preparing data to submit to FDA, they are conducting studies under very specific, highly controlled conditions that optimize the performance of the test,” said Kelly Wroblewski, director of infectious disease programs at the Association of Public Health Laboratories.
The Ellume, Abbott BinaxNOW and Quidel QuickVue tests use the same antigen technology as many of the rapid tests given by health care providers. Antigen tests are less accurate than the gold standard method used by labs called polymerase chain reaction, or PCR.
"The danger is that you'll have people use these tests to say I can safely go see grandma, when they may be brewing an infection that is below the limit of detection."
Gary Procop, M.D., medical director in clinical virology at the Cleveland Clinic
Studies show antigen tests miss many asymptomatic infections. They work best when you're having COVID-19 symptoms, Wroblewski said. Common signs of COVID include cough, fever, fatigue, muscle aches, congestion, runny nose, loss of taste or smell, nausea, vomiting and diarrhea, according to the U.S. Centers for Disease Control and Prevention (CDC).
The Cue and Lucira tests use a newer molecular technology called isothermal amplification that is similar to PCR. Like PCR, it works by copying the virus's genetic material until there are detectable levels.
David Pride, M.D., director of the clinical molecular microbiology laboratory at the University of California, San Diego, says that while molecular tests are generally more accurate than antigen tests because they can detect the virus at lower levels, they are still less sensitive and less specific than a PCR test done in a lab.
For any at-home test, if you have symptoms and you test positive, “it's very, very likely you have the virus,” Pride said, and you should go into isolation and get in touch with your health care provider.
How confident can you be of a negative result?
A negative test can give you more confidence about going into work or visiting a family member, but experts emphasized that it's not a free pass to stop wearing a mask, practicing social distancing or taking other precautions.
"The danger is that you'll have people use these tests to say I can safely go see grandma, when they may be brewing an infection that is below the limit of detection,” said Gary Procop, M.D., medical director in clinical virology at the Cleveland Clinic. “People really need to understand these subtleties, and they're not all on the package insert,” he added.
Antigen tests, in particular, are likely to miss the virus if you're early in the infection or if you don’t have symptoms.
A study published by the CDC on Jan. 22 found that Abbott's antigen test identified only 34 percent of COVID-19 infections in people without symptoms.
A large-scale review of 68 studies published March 24 found that rapid antigen tests identify about 72 percent of people with symptoms and only 58 percent of those without symptoms. Antigen tests are most accurate when used within the first week after symptoms develop, the review found.
The FDA-authorized instructions for use for antigen tests stress that “negative results do not rule out COVID-19 and should not be used as the sole basis for treatment or patient management decisions, including infection control decisions.”
If you test negative but have symptoms, reach out to your health care provider, because there's a high risk it's a false negative, Procop said. Your doctor may order a PCR test to confirm your result.
How difficult is it to give yourself a test?
The authorized at-home tests all require you to collect a sample by swabbing your nostrils, either just inside or a little deeper, depending on the test. The good news: You don't have to insert a swab into the deepest part of your nose like some of the tests performed by health care providers.
As a general rule of thumb, “make sure you're really swirling it around and hitting skin,” Wroblewski advised. Also, avoid blowing your nose right before you take the test.
All of the tests include detailed instructions with pictures.
When is it better to get the test from a health care provider?
If your symptoms are severe or if you are in a group at high risk of complications from COVID-19, some experts recommend getting tested by a health care provider rather than doing an at-home test.
"With COVID, your oxygen saturation counts can decrease pretty quickly, particularly if you are in a high-risk group, so you want to make sure someone is monitoring your condition,” Wroblewski said.
High-risk groups include those with cancer, chronic kidney disease, chronic lung diseases, dementia, diabetes, Down syndrome, heart conditions, HIV infection, liver disease, overweight/obesity (BMI of 25 or higher), sickle cell disease, a weakened immune system, stroke or cerebrovascular disease, solid organ or blood stem cell transplant, or substance use disorders, or those who smoke, according to the CDC.
Whether you conduct your COVID-19 test at home or at a clinic, if it's ordered by a licensed health care professional who believes it's medically appropriate, then federal legislation requires your private health plan to cover the cost, said Sabrina Corlette, a research professor who studies health insurance policy at the Center on Health Insurance Reforms at Georgetown University.
Medicare Part B also covers medically appropriate COVID-19 tests when a doctor or other practitioner orders them.
However, it may be difficult to get a health care provider to order the test if you don't have symptoms or a known exposure, Corlette said. And you probably won't be able to get your insurance to pay if you pick up an over-the-counter test at your local drugstore and there's no doctor involved, she said.
"If you're asymptomatic and you just want some assurance before you travel or visit a family member, your primary care provider may say you don't medically need a test,” she said. “But now you can just go and pick one up.”
Comparison of at-home COVID-19 rapid tests
Ellume COVID-19 Home Test
- Where/when to find it: Sold over the counter at pharmacies and retail stores. Distribution is expected to start this spring.
- Type of test: Antigen
- Does it require a prescription? No
- Cost: About $30
- Who can use it: People with or without coronavirus symptoms as young as 2 years old
- How long to get results: 15-20 minutes, delivered via a smartphone app
- You need to know: Results are more likely to be accurate if you have symptoms.
- Where/when to find it: Sold over the counter at pharmacies and retail stores. Distribution is expected to start in spring or summer.
- Type of test: Antigen
- Does it require a prescription? No
- Cost: The company hasn’t announced a price, but said in a press release it will be “priced affordably — similar to other OTC tests.”
- Who can use it: People with or without coronavirus symptoms as young as 2 years old.
- How long to get results: After 15 minutes, delivered on a small plastic card that has either one or two lines
- You need to know: Results are more likely to be accurate if you have symptoms; To increase accuracy, the instructions call for users to administer two tests over three days, at least 36 hours apart.
- Where/when to find it: Sold over the counter at pharmacies and retail stores. The company has not announced a distribution timeline.
- Type of test: Antigen
- Does it require a prescription? No
- Cost: The company hasn’t announced a price.
- Who can use it: People with or without coronavirus symptoms as young as 2 years old.
- How long to get results: 15 minutes, delivered on a paper test strip that changes color
- You need to know: Results are more likely to be accurate if you have symptoms. To increase accuracy, the instructions call for users to administer two tests over two or three days, with 24 to 36 hours between the tests.
- Where/when to find it: The company is working to get it into pharmacies and retail stores. No timeline has been announced.
- Type of test: Molecular
- Does it require a prescription? No
- Cost: Has not yet been set
- Who can use it: People with or without coronavirus symptoms as young as 2 years old.
- How long to get results: About 20 minutes, delivered via a smartphone app
- You need to know: The only molecular test authorized to be used without a prescription. Because molecular tests can detect very low levels of the virus, they are generally more accurate than antigen tests, especially if you are asymptomatic.
- Where/when to find it: Lucira is already selling the test to U.S. physicians; your doctor can order it for you.
- Type of test: Molecular
- Does it require a prescription? Yes. The test must be prescribed by a health care provider.
- Cost: $50
- Who can use it: People age 14 and older suspected by their health care provider to be infected with the virus
- How long to get results: 30 minutes or less
- You need to know: Like the Cue test, it uses molecular technology, which is considered more accurate because it can pick up lower levels of the virus than antigen technology.
Michelle Crouch is a contributing writer who has covered health and personal finance for some of the nation's top consumer publications. Her work has appeared in Reader's Digest, Real Simple, Prevention, The Washington Post and The New York Times.
Balancing Act: 5 Exercises to Help Restore Strength and Coordination
The pandemic isolation we faced this year could be costing us muscle tone and agility
by Jeff Csatari, AARP, February 16, 2021
Thirty-six percent of Americans report they've gained weight during the COVID-19 crisis — an average of 12.5 pounds, according to one survey. But other bodily changes may be harder to notice: muscle loss and, with it, a loss of innate balance, says Rebecca Seguin-Fowler, an associate professor at Texas A&M University. So, as you prepare to resume your everyday routines, be careful: You may not have the same balance and agility you had just a year ago. To rebuild your strength and balance, try these exercises. Do two sets of 10 to 15 repetitions. As you get stronger, reduce the number of repetitions to eight and use heavier weights.
Leg lunge
Step 1: Stand with your feet hip-width apart and hands on your hips.
Step 2: Step back with your right foot; bend both legs until your right knee almost touches the floor and your left knee forms a right angle. Now push up from your feet to straighten your legs.
Step 3: Lower back down again and repeat 10 to 15 times. Then switch to your other foot.
Toe stand
Step 1: Stand on the lowest step of a set of stairs and hold on to the railing.
Step 2: Scooch your feet back so your weight is on the balls of your feet and your heels are hanging off the step. Slowly push up as far as you can onto the balls of your feet while counting to four. Pause, then slowly lower your heels and drop them slightly below the step. Pause, then repeat.
Biceps curl to overhead press
Step 1: With your arms hanging at your sides, hold a light weight in each hand. Rotate your forearms so your palms are facing forward. Be sure your feet are shoulder-width apart.
Step 2: Slowly bend your elbows to raise the weights to the front of your shoulders; at the top of the movement, your palms should face you.
Step 3: Push the dumbbells overhead as you rotate your forearms forward; at the top of the movement, your arms should be fully extended, palms facing away from you. Don't lock your elbows. Pause, slowly lower the weights to your shoulders, then lower them to your sides. That's one rep.
Heel-toe walk
Step 1: Stand beside a wall or kitchen counter, close enough so you can touch it to help you with balance. Lift the foot that’s farther from the wall or counter and place it directly in front of your other foot, so your forward foot’s heel barely touches your back foot’s toes. Balance this way without moving.
Step 2: When you feel comfortable, try walking forward slowly, heel to toe, heel to toe. When you reach the end of the wall or counter, turn around and walk back in the same way. Once this becomes easy, try walking backward in a reverse toe-to-heel pattern.
Single-leg stand
Step 1: Stand behind a chair or facing a kitchen counter, keeping both feet on the floor, hip-width apart. Hold on to the chair for stability.
Step 2: Raise one leg behind you. Next, let go of the chair and stay balanced in this position for between 10 and 15 seconds.
Step 3: Lower your leg, then grab the chair again and repeat the exercise using the opposite leg. As your balance improves, make the drill more challenging by closing your eyes while you balance.
8 Smart Things Financial Experts Would Do If They Landed Some Extra Cash
Trae Bodge Updated: Apr. 29, 2021
Whether it's a tax refund or winning the lottery, extra cash is exciting. But before you buy that designer bag or book that trip, read what today's top personal finance experts have to say.
Pay down student loans
“You’ll usually save the most money by paying down the loan with the highest interest rate first. The faster you pay down the loan, the less interest you’ll pay overall. Plus, if you’re paying more than your usual minimum due, your loan provider may consider your loan ‘Paid Ahead.’ This means you will have already covered the minimum due for future months, reduces your balance ahead of schedule, and gives you flexibility on your payment schedule if unexpected expenses come up in the future.” —Joe DePaulo, CEO and co-founder of College Ave Student Loans.
Save for retirement
“It sounds boring, but the payoff is big. I certainly want to retire someday, so the more I can save now, the greater the chance that I’ll be able to have enough for a comfortable retirement. Plus, contributing to a retirement account helps me save money on taxes today. As a self-employed worker, I can deduct my retirement contributions on my tax return.” --Cameron Huddleston, award-winning personal finance journalist and the Life + Money columnist for GOBankingRates.com.
A little bit of this, a little bit of that
“I may go against the grain here, but I would spend at least half of it on travel. That’s my passion and if I could, I’d be on a plane going somewhere exotic every other month! As for the rest, I’d save it in my retirement account because it reduces my taxable income. Not only does it make a big difference, I know I’m doing the right and responsible thing for my future.” --Erica J. Sandberg, personal finance expert.
Earmark it
“When I get extra cash, I give it a purpose right away. I say ‘this is credit card bill money’ or ‘this is an extra car payment for June.’ Otherwise, it just goes in the bank and it disappears into meaningless Seamless orders or those last minute ‘I’m just gonna grab some toilet paper’ drugstore runs after which I always walk out with more than I set out to buy.” --Mandi Woodruff, executive editor of MagnifyMoney.com and co-founder of the Brown Ambition podcast
Invest in the housing market
“While I’ve always worked hard at jobs and my various side hustles, nothing has increased my net worth and boosted my sense of security as much as real estate. I would choose property close to home and with minimal upkeep, even if the return was a bit lower. Keeping things simple and less stressful is also important to create a life of financial freedom.” --Bobbi Rebell, financial journalist and author.
The 90/10 Rule
“I’d put 90 percent of it toward a financial goal. For me, that goal right now is starting to save for my daughter’s college education. Then I’d do something fun with the remaining 10 percent. Depending on the amount, maybe dinner with my husband at our favorite restaurant or a weekend trip with our daughter. Being smart with your money isn’t about deprivation; it’s about setting yourself up for success.” —Alexa von Tobel, founder of LearnVest and author of Financially Fearless.
Pay down debt and earn interest
“If you are one of the 44.2 million individuals that are suffering under a staggering amount of student loan debt – here’s an opportunity to make a dent, or make it go away! There are some terrible statistics out there about Americans—as in, six in 10 people don’t have $500 in savings. You never know what form of emergency might pop-up. Unplanned events bankrupt people, make them homeless—it sounds dramatic, but it’s just true. Everyone needs a safety net, and throwing cash in an interest-bearing account makes those unforeseen events less of a burden to you.” --Andrew Meadows, VP of Brand & Culture at 401K advisory site, Ubiquity
Three buckets
“When I have any excess cash, I divide it into three buckets: 1) my safety bucket, which is 90 days of living expenses as an emergency pool in case something happens; 2) a safe investments bucket where I keep 80 percent of my cash. This pool includes ETF’s, low fee funds like Vanguard, and lots of rental properties; 3) 20 percent of my free cash is in my risk bucket, where I take risks and try to get huge wins, like buying Tezos, a crypto currency that should grow in value in any market and potentially sky rocket if the world has any major destabilizing events occur. (Unless of course it gets hacked in which case all bets are off).” --David Osborn, co-author of Wealth Can’t Wait.
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No single food can protect you against cancer by itself.
But research shows that a diet filled with a variety of vegetables, fruits, whole grains, beans and other plant foods helps lower risk for many cancers. In laboratory studies, many individual minerals, vitamins and phytochemicals demonstrate anti-cancer effects.
APPLES
ASPARAGUS
BLUEBERRIES
BROCCOLI AND CRUCIFEROUS VEGETABLES
BRUSSELS SPROUTS
CARROTS
CAULIFLOWER
CHERRIES
COFFEE
CRANBERRIES
FLAXSEED
GARLIC
GRAPEFRUIT
GRAPES
KALE
ORANGES
PULSES: DRY BEANS, PEAS, AND LENTILS (LEGUMES)
RASPBERRIES
SOY
SPINACH
SQUASH (WINTER)
STRAWBERRIES
TEA
TOMATOES
WALNUTS
WHOLE GRAINS
Foods to Limit
A lot of us grow up eating foods that might be okay to eat, but aren’t necessarily the best thing to eat. As you build your meal plans, make sure you’re not overdoing it with foods that are best to have in small portions.
ALCOHOL
PROCESSED MEAT (SAUSAGES, HAM, BACON, HOT DOGS, SALAMI)
RED MEAT (BEEF, PORK, LAMB)
SUGAR-SWEETENED DRINKS
Plant-Based Diets
There are a lot of popular diets that come with all sorts of promises. And while some of what they offer might be worthwhile, often, beliefs can masquerade as facts, and it can be hard to separate evidence from opinion. Below, our expert dietitians weigh in on some well-known trends.
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FLEXITARIAN DIET
LACTO-OVO VEGETARIAN DIET
MEDITERRANEAN DIET
PESCOVEGETARIAN DIET (OR PESCATARIAN)
VEGAN DIET
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