Tuesday, December 7, 2010

Think you are hungry

A staggering 63 percent of Americans are overweight. The most common cause? We eat more food than we need—and we're all guilty of doing it: mindlessly munching on a bag of pretzels during a reality TV marathon or treating ourselves to a second helping when the first was plenty. But boredom and indulgence aside, why else are we reaching for a snack when we should feel full? Some of it can be blamed on habit, while other triggers have more to do with our body's hunger signals. Check out the list below to find out the most common overeating pitfalls and simple solutions for avoiding these traps.

1. You didn't get enough sleep last night.
Lack of rest stimulates two faux hunger triggers: energy deficiency, to which our natural reaction is to nourish our bodies, and appetite hormone confusion. "When our bodies are drained, levels of leptin—a hormone produced by our fat cells that controls our appetite—decrease, while levels of gherlin—a hormone produced by our stomach that stimulates our appetite—increase," explains American Dietetic Association spokeswoman Karen Ansel, RD. That's two hormones working against you. "Getting eight hours of sleep a night is the easiest thing you can do to prevent overeating." If you do fall short on zzz's, be sure to load up on nourishing, naturally energizing foods—such as fresh fruit, complex carbohydrates and lean proteins—throughout the day to help your body feel satisfied.

2. You're taking medication that causes hunger as a side effect.
If you felt ravenous the last time you were taking an antibiotic to tame an allergic reaction, joint inflammation, acne or a bad cold, the medicine may be to blame. "Medication that contains mild steroids, like prednisone, a corticosteroid, ramp up hunger big time," says Milton Stokes, RD, owner of One Source Nutrition, LLC. "If you've already eaten a normal-size meal, ignore the drug-inflated hunger," says Stokes. Instead, try an oral fix like chewing gum, sipping warm coffee or brushing your teeth, he suggests. If you're on long-term steroid therapy, consult a dietitian to devise an eating plan that will help you feel more satisfied throughout the treatment.

3. You're thirsty or dehydrated.
The symptoms of dehydration (sleepiness, low energy) closely mimic those of being overly hungry, which may lead you to think you need food to increase your energy level, explains Sandon. When you're thirsty, your mouth becomes dry, a symptom that eating will temporarily relieve, notes Sandon. She suggests drinking a tall glass of water or cup of herbal tea before eating and waiting for your body's hunger signals to adjust (about 10 minutes). "Doing so could save hundreds of calories."

4. It's "mealtime."
As creatures of habit, we tend to eat on autopilot. While some regularity is encouraged so that you don't become overly hungry, which could lead to bingeing, it's also important to listen to hunger signals, says Ansel. "Next time you sit down to eat, ask yourself: 'Am I really hungry?' If the answer is 'no,' either eat a smaller portion or put off the meal for an hour—though no longer than that," suggests Ansel. This also applies to situations you associate with eating, like flying. "We've been conditioned to associate an airplane ride with eating," Ansel says. The solution: "Pay attention to timing," recommends Lona Sandon, MEd, RD, assistant professor of nutrition at University of Texas Southwestern. "Know how long the flight is and plan satisfying meals around it." Also, take advantage of the free (hydrating) beverages, she adds, as the enclosed space leads to hunger-causing dehydration.

5. You just worked out.
We are conditioned to feed ourselves after exercising. And, after a particularly strenuous exercise session like a spinning class or interval-training workout, we tend to feel ravenous. But that doesn't mean your body needs extra calories. "It means your body needs a specific kind of nourishment," says Marissa Lippert, RD, a nutrition consultant and dietitian in New York City. Opt for roasted chicken or other lean meats (protein will replenish your muscles) and brown rice or other whole grains (complex carbohydrates take a while to break down) to help your body recover faster and fend off hunger longer.

6. Not enough time has passed since you finished your meal.
You've just eaten lunch only to wonder: "Why am I still hungry?" Before you assume you didn't eat enough, consider that maybe you ate too quickly. "Appetite hormones need time to tell your brain you're full," explains Sandon. To prevent post-meal hunger pangs, keep these pointers in mind: Eat slowly, putting down your fork between bites; choose flavorful and satisfying foods; and include a combination of fat, protein and carbohydrates in every meal. If you're still hungry, try sucking on a mint to ward off your cravings.

7. The women around you are eating.
A joint study out of Duke University and Arizona State University found that women tend to mirror other women's eating habits. "When one overdoes it, the rest often follow along," Ansel confirms. To avoid this copycat effect, Lippert suggests taking a quick minute to reassess your own eating habits—or, if all else fails, grabbing a pal and evacuating the scene of the food. A more permanent fix? Be the one who sets a healthy example for your girlfriends to follow. Their waistlines will thank you! "Just as obesity is contagious, so are healthy habits," says Dawn Jackson Blatner, author of The Flexitarian Diet.

8. You smell or see food.
"We tend to eat with our senses more than our stomachs," says Ansel. When we smell or see food—even if it's in a photo, advertisement or TV show—our mouths water, which stimulates our appetite. Onset factors can include smelling a batch of cupcakes baking, seeing snack food laid out on the counter or watching a cooking show. The clear-cut solution: "Out of sight, out of mind." Leave the room, hide the candy jar, turn off the TV—and the craving to eat will likely subside, says Ansel.

9. You're stressed out.
"Studies show that when people recognize they're stressed, they are more likely to turn to high-fat, salty or sugary foods," says Sandon. "These foods both are comforting and feel good in the mouth," she adds. But it's not all about emotional eating. Sandon notes that your body's chemical reaction to stress could also cause hunger pangs. "Increased levels of the stress hormones cortisol and insulin may be associated with triggering appetite." Either way, appetite control boils down to decision-making. Before reaching for the ice cream tub, try quickly clearing your mind.

50 Best Careers of 2011

 
, On Monday December 6, 2010, 12:04 am EST
It pays to be smart when choosing your career, particularly now that the job market is (slowly) improving. With the recession officially over, anyone who's out of work or eager to change jobs is on the lookout for opportunities. But where, exactly, are the jobs? Which occupations offer decent salaries, quality of life--and are likely to stick around for the next decade?
Our list of 50 Best Careers answers those questions. We've highlighted dozens of high-opportunity professions--careers you may want to consider as you decide where to look for your next paycheck. Based on job-growth projections, salary data, and other factors like job satisfaction, these occupations span a variety of industries, so you can find the right position for you no matter what your interests.
What's new on the list this year? Several of our picks reflect the recent uptick in the economy, while others are long-time contenders that finally muscled their way onto the roster. With an aging baby boomer generation, healthcare continues to make a strong showing. All of the healthcare jobs on last year's list have made the cut again this year, plus two new positions: massage therapist and athletic trainer. While the field of athletic training doesn't offer the sheer number of positions as nursing or dental hygiene, it outranks nearly all other healthcare occupations for expected job growth.
[See Tips for Landing Jobs on Our List.]
Technology positions also account for a good chunk of our top-choice careers. Computer support specialist joins the ranks this year with upward trending employment numbers. Education administrator, which ranked particularly high for job satisfaction, made it onto our lineup of social service jobs. In the business category, we added sales manager, an occupation that's making a comeback along with the economy.
On our creative and service jobs list, heating, air conditioning, and refrigeration technician is new this year, largely because of its high expected job growth. Interpreter/translator, an occupation that's increasingly in demand as a result of globalization, also made the cut.
To come up with this year's list, U.S. News considered job-growth projections from the Labor Department, estimates for 2008 to 2018, the most recent data available. We narrowed it down to occupations that are expected to add jobs at an above-average rate over the next decade, as well as those that provide an above-average median income. Sales manager makes the highest median annual salary on our list, nearly $97,000. Computer software engineer, physician assistant, meteorologist and education administrator all bring in median average salaries in the mid-$80,000 range.
We also considered, where possible, data on job satisfaction, turnover, and impending retirements, which crank up openings in jobs that may have only slightly above-average employment growth. We talked with labor and industry experts as well, gathering anecdotal evidence about employment prospects and job satisfaction. We excluded careers that lack a statistically significant number of positions and therefore provide opportunity for only a small number of workers. When necessary, we favored jobs that would help diversify our list in terms of category and educational requirements, since not everyone wants to work in healthcare or go to school for six years.
[See 10 Smart Ways to Use Social Media in Your Job Search.]
Most of the jobs that were cut from the list this year showed a higher-than-average unemployment rate or shrinking employment numbers during the last few quarters. From the creative and service jobs category, funeral director, plumber, security system installer, and landscape architect got the boot. In business, we cut market research analyst, loan officer, and cost estimator.
Of course, no one job is best for everyone, and everyone has their own ideas about what makes a job great. "You have to like what you're doing or you're not going to be successful at it," says Emily Bennington, who helps college graduates transition into careers through her company, Professional Studio 365. At the same time, "if you're not getting paid to do it, you're not going to love it for very long."
Qualities that make a job desirable also change with the times and circumstances. Tom Smith, director of the General Social Survey, conducted by the National Opinion Research Center at the University of Chicago, expects his next set of job-satisfaction data to show that workers value stability more than they did before the recession. "Occupations that have greater job stability perhaps have improved in the public's evaluation," he says.
[For more career advice, visit U.S. News Careers, or find us on Facebook or Twitter.]
Even as hiring picks up, the odds can seem daunting to job seekers. In a struggling economy with a 9.6 percent unemployment rate, competition is stiff even for some jobs that made our list. For every job opening in September, there were about five unemployed people, according to the Labor Department. While that's an improvement from 6.2 people for every job opening in November 2009, the most recent peak, "it's still a very tough job market," says Steve Hipple, an economist at the Labor Department. During the three years before the recession, the rate averaged 1.7 unemployed people for every job opening.
Others like John Challenger, CEO of outplacement company Challenger, Gray & Christmas, are more optimistic. "The whole environment has changed," says Challenger, who talks daily with companies that are hiring, as well as job seekers. "(It's) certainly not gang-busters by any means ... but it feels like springtime compared to last year's winter in the job market."
Whether you're out of work or your job has simply fallen out of favor, you'll likely find an occupation on our list that suits you. For each profession, we've offered a summary of what you can expect on the job, as well as advice from hiring managers and people who work in that industry about how to land one.
Here's our list of the 50 Best Careers of 2011--click each job to learn more:
Business Jobs:
--Accountant
--Actuary
--Financial adviser
--Financial analyst
--Logistician
--Meeting planner
--Public relations specialist
--Sales manager
--Training specialist
Creative and Service Jobs:
--Commercial pilot
--Curator
--Film and video editor
--Gaming manager
--Heating, air conditioning and refrigeration technician
--Interpreter/Translator
--Multimedia artist
--Technical writer
Healthcare Jobs:
--Athletic trainer
--Dental hygienist
--Lab technician
--Massage therapist
--Occupational therapist
--Optometrist
--Physician assistant
--Physical therapist
--Physical therapist assistant
--Radiologic technologist
--Registered nurse
--School psychologist
--Veterinarian
Social Service Jobs:
--Clergy
--Court reporter
--Education administrator
--Emergency management specialist
--Firefighter
--Marriage and family therapist
--Mediator
--Medical and public health social worker
--Special-education teacher
--Urban planner
Technology Jobs:
--Biomedical engineer
--Civil engineer
--Computer software engineer
--Computer support specialist
--Computer systems analyst
--Environmental engineering technician
--Environmental science technician
--Hydrologist
--Meteorologist
--Network architect

Source : Yahoo

The Truth About Milk

The Truth About Milk

By David Zinczenko
Dec 03, 2010

Milk: Healthy and nutritious drink, or fattening, contaminant-filled menace?
You might expect an organization called the Dairy Education Board to promote milk as a good thing. But instead, this advocacy group claims that “Milk is a deadly poison.” Oops. And as Americans have grown more wary of saturated fat, and more concerned about hormones and other substances fed to—and injected into—dairy cows, milk consumption has fallen dramatically. In the post-war days of 1945, the average American was consuming 45 gallons of milk a year. By 2001, per capita consumption was down to just 23 gallons.
But here’s the thing: Plenty of new research says that we should be drinking more milk, not less. In fact, swapping soda, juice, sweetened iced teas, and other beverages for milk might be one major reason why Americans are gaining weight at such a rapid pace. Milk not only helps boost protein intake and cut down on sugar, but consuming calcium through dairy foods such as milk may actually reduce the fat absorption from other foods. Who wouldn’t want that? (Hungry for more hard-hitting nutrition facts and findings every day? Follow me on Twitter or subscribe to our daily Eat This, Not That! newsletter.)

Here are four milk myths you might have heard, and why you should consider answering the cowbell more often.
Claim #1: “Milk is a fat-burning food.”

The Truth: Maybe. In a 6-month study, University of Tennessee researchers found that overweight people who downed three servings a day of calcium-rich dairy lost more belly fat than those who followed a similar diet minus two or more of the dairy servings. In addition, the researchers discovered that calcium supplements didn’t work as well as milk. Why? They believe that while calcium may increase the rate at which your body burns fat, other active compounds in dairy (such as milk proteins) provide an additional fat-burning effect. 

Bonus tip: For more surefire ways to eat healthier and slim down, check out our list of the 25 Best Nutrition Secrets!

Claim #2: “Drinking milk builds muscle.”

The Truth: Absolutely. In fact, milk is one of the best muscle foods on the planet. Milk is full of high-quality protein: about 80 percent casein and 20 percent whey. Whey is known as a “fast protein” because it’s quickly broken down into amino acids and absorbed into the bloodstream—perfect for post-workout consumption. Casein, on the other hand, is digested more slowly—ideal for providing your body with a steady supply of smaller amounts of protein for a longer period of time, such as between meals or while you sleep.
Bonus Tip: Remember the old saying "Milk: not just for breakfast anymore." Well, here are 20 foods that shouldn't be for breakfast, period. Check out our shocking list of the Worst Breakfasts in America!
Milk ChugClaim #3: “Cows are given antibiotics. Doesn’t that make their milk unhealthy?”

The Truth: No one really knows. Some scientists argue that milk from cows given antibiotics leads to antibiotic resistance in humans, making these types of drugs less effective when you take them for an infection. But this has never been proven.

It is true that hormones and antibiotics have never been part of a cow’s natural diet, and they have been shown to have adverse effects on the animals. Canadian researchers, for example, discovered that cows given hormones are more likely to contract an udder infection called mastitis. If you’re uneasy, you can purchase antibiotic-free (and typically hormone-free, as well) milk from producers like Horizon and Organic Valley at most major supermarkets. The cows will certainly thank you.

Bonus tip: While you're at the supermarket, add these foods to your list: the 125 best supermarket foods. Remember: You don't have to sacrifice flavor to eat healthier.

Claim #4: “Fat-free milk is much healthier than whole.”

The Truth: Nope. While you’ve probably always been told to drink reduced-fat milk, the majority of scientific studies show that drinking whole milk actually improves cholesterol levels—just not as much as drinking fat-free does. One recent exception: Danish researchers found that men who consumed a diet rich in whole milk experienced a slight increase in LDL cholesterol (six points). However, it’s worth noting that these men drank six 8-ounce glasses a day, an unusually high amount. Even so, their triglycerides—another marker of heart-disease risk—decreased by 22 percent. The bottom line: Drinking two to three glasses of milk a day, whether it’s fat-free, 2%, or whole, lowers the likelihood of both heart attack and stroke—a finding confirmed by British scientists.

 

Don’t confuse saving with investing

Don’t confuse saving with investing

 

, On Friday December 3, 2010, 11:54 am EST
Following on last week's discussion about things we should be doing at year-end, another key thing we need to keep in mind is how much we're going to spend this holiday season.  I would hazard that the word "save" does not even enter into the vocabulary when the calendar counts down to Christmas; however, there is no reason to think any less about saving today than any other time of the year.  The obvious reason is that failure to pay attention to how much we dole out on gifts and entertainment this month could put us in the more severe position of paying off debt come the New Year.  But, aside from the difficulty Canadians have with saving in December, many still find it hard to differentiate saving from investing.
The survey says…
In a recent Scotiabank survey (conducted by Harris/Decima), it was revealed that 46 per cent of Canadians find it easier to save, while only 11 per cent thought that investing was easier.  Of those polled, 19 per cent said they found both easy, yet 24 per cent indicated they found both to be difficult.  What is even more interesting is that of the nearly half that said saving was easier, 52 per cent said this was because they felt it required less time and effort, not to mention research, as well as 36 per cent who perceived saving to be safer than investing.  That result is not altogether surprising considering what Canadians have been through in the past few years.  Watching their portfolios shrink in 2008-09 and then whipsaw this past year, the belief is that investing = stocks = risk.  The reality is that investing encompasses both fixed-income securities and equities, with the latter representing the greater degree of risk.  This is the same as the misperception that RRSP investing means investing in the stock market, or that all mutual funds are somehow tied to the stock market.
Reading between the lines of the survey results, there is a suggestion that another reason people have a harder time getting their heads around investing is that it is associated with the long-term.  This can mean a whole bunch of things to different people, from 10 years to 50 years; but either way it sometimes feels like the money is locked away for a long time, during which it is uncertain how it will grow and how certain its future will be.  Saving, on the other hand, is generally viewed as putting cash in a bank account or money market fund, which we can draw from whenever we need to.  I would argue that Canadians need to separate the two concepts.
What's the difference?
Saving is the act of taking a portion of the money we earn and placing it somewhere to sit in reserve, provide an income or grow.  Investing is what we do with the savings.  Putting $200 a month into my bank account is savings, but putting it into my RRSP in a balanced mutual fund is investing.  The key thing is that I put that $200 somewhere other than into a shopkeeper's hands.  The real issue, in my opinion, is that Canadians still need more help in getting the saving process down pat before talking about investing.  The good news is that the survey found that 46 per cent of Canadians found that they were both savers and investors.  Only 10 per cent saw themselves as investors, while 27 per cent said they were savers.  A disappointing 17 per cent said they were neither.  This is the segment of the population that needs to cross the savings hurdle first, and then figure out investing.
Out of sight is out of mind
For those having difficulty saving, it's either because there is no household budget in place, or one was made but not adhered to.  Some recommend ditching the budget, but I believe you need to take the middle ground.  First, have a look at how much is coming into the household from earnings.  Next, get a ballpark number for what your non-discretionary spending needs are. These are things you need to pay for each month, like rent and food, but will also include other essentials like providing recreational activities for your kids or yourself (health is every bit as important as money).  Now, look at your last three months of bank statements and see what the difference was between inflows and outflows.  You might have to net out larger non-monthly items like property taxes and insurance.  Most likely, there is going to be less left over than the difference between your income and necessary spending.  You have just figured out how much you're spending on discretionary things.  Take the average of the last three months and divide it by two and have this amount taken from your bank account.  This has still left padding of 50 per cent of your non-essential spending and, over time you'll discover that what was left over was more than enough or not enough so that you can adjust.
To make it even easier, don't worry about where the extra savings is going right now, since there will probably be some anxiety over the smaller daily chequing account balances every time you go to the ATM.  Once the anxiety, if any, has passed and you don't miss the spurious shopping on the debit card, take a look at what has accumulated.  The next step is to think of your savings exercise as having two parts.  First, it is building a rainy day reserve of cash in case of loss of income or sudden emergency.  This should be around 2-3 months' worth of net (after tax) income.  What's left over is what you're going to invest for whatever objectives you have (retirement, children's education, a new house, etc.).
Go and grow
That next step should feel clearer in that the savings has already happened. All you need to do now is figure out roughly what your objective is by sitting with an advisor, assessing how your investments need to be split between fixed income securities and equities and then having the monthly savings taken automatically out of the bank account to whatever investment account is going to - which would include your RRSP, TFSA or a non-registered account.  For those starting off, it may not be feasible to buy individual securities like stocks, bonds and GICs, so keep it simple and begin with a solid quality balanced mutual fund that reflects the asset allocation you want.  The advantage is that the investments will grow in line with your risk tolerance.  Then just make sure to review the investments regularly (at least once a year) and make changes if necessary.
Soon you won't feel much different about spending less, but you'll see a cash reserve you never had and investments that are growing.  Every five years, you can then re-assess your financial situation and objectives and adjust the rate at which you're saving. Hopefully, at some point, the vast majority of Canadians will answer 'yes' to both when asked if they find saving or investing easier.
About the survey
A total of 1,011 completed surveys were collected from a random sample of Harris/Decima panel members across Canada. The study was conducted from October 14th, 2010 to October 25th, 2010.
This was a standard panel survey among a random sample of Harris/Decima's Canadian panel members. In a fashion similar to a telephone study, email addresses from their panel were pulled at random, according to population and gender specifications, in order to make the study representative of the Canadian population by region and gender. When contacted to solicit participation, participants had no prior knowledge of the subject matter of the study. Harris/Decima controls access to the study through passwords to ensure that respondents can participate only once. Subsequent to completion of the study, the data was weighted by region, age, and gender.
Andrew Pyle (www.andrewpyle.com)  is a licensed wealth adviser and associate portfolio manager with ScotiaMcLeod. A certified financial planner, Andrew has held several senior market positions in Canada's financial industry for over 20 years, providing economic and market strategy advice to individuals, corporations, central banks and major investment funds. He was previously chief Canadian economist with S&P/MMS International, chief strategist for dutch bank ABN AMRO, and vice-president and head of capital market research for Scotia Economics. Andrew writes regularly for Yahoo! Canada Finance.

 Source: Yahoo