Health and Beauty http://www.wisebread.com/taxonomy/term/4803/all en-US 7 Generic Beauty Buys Better Than the Expensive Originals http://www.wisebread.com/7-generic-beauty-buys-better-than-the-expensive-originals <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-generic-beauty-buys-better-than-the-expensive-originals" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/cdn/farfuture/qfLhAcyHhWO0Tk9Zn05cgA66nGBvCDsTMBmDD_EU6Pw/mtime:1427230928/files/fruganomics/imagecache/250w/blog-images/women_makeup_000035641214.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>When it comes to beauty products, no one will ever know whether you're using the high-end brands or the cheap stuff. In fact, lower-priced makeup and moisturizers are often identical or better than similar products that cost three times as much. Yet studies show that people are easily deluded into thinking a product with an <a href="http://www.pnas.org/content/105/3/1050.long">expensive price tag</a> is of higher quality than the same product labeled with a cheaper price.</p> <p>Well, delusions be gone! One of the simplest ways to save on your beauty regimen is to cut out higher-priced products that come with no added benefit, save for attractive packaging and a posh designer name. Read on for our guide to the low-priced beauty buys that work just as well &mdash; if not better &mdash; than their more expensive counterparts.</p> <h2>1. Mascara</h2> <p>New York City makeup artist Raychel Wade wants to let you in on a little secret: A $7 wand of Maybelline mascara will make your lashes just as lush and alluring as the high-end stuff sold at department stores. Wade, who got her start working behind makeup counters, said there's very little difference between expensive mascara and the cheap stuff other than the name brand on the packaging. That's because just about all <a href="http://www.webmd.com/beauty/makeup/makeup-decoding-mascara">mascara ingredients</a> are basically the same: a pigment to darken the lashes, a polymer to form the film that coats the lashes, a preservative, and a thickening agent. &quot;Drugstores carry amazing mascaras, but it wasn't my job to direct customers that way,&quot; Wade says. &quot;At the end of the day, I was working for the brand, not the customer.&quot;</p> <h2>2. Cologne and Perfume</h2> <p>There's about $1.50 worth of ingredients in the average bottle of fragrance, yet the typical price tag is $150 &mdash; less than 1% of the retail cost. What you're really paying for when you purchase cologne or perfume is the brand name. So ask yourself this question the next time you're tempted to invest in an expensive scent: Do you really like the fragrance that much better than the more affordable brands, or is it a successful marketing campaign that's seduced you into shelling out top dollar?</p> <h2>3. Cotton Rounds</h2> <p>Pharmacy-brand cotton rounds work just as well as the name brand products, but they'll cost you a smidgen less. &quot;I love the CVS Pharmacy&ndash;brand cotton rounds because they have the perfect amount of perforation and don't shed,&quot; says <a href="http://www.redbookmag.com/life/money-career/advice/g1868/best-generic-products-to-save-money/?slide=3">Redbook beauty expert</a> Mally Roncal.</p> <h2>4. Nail Polish</h2> <p>Those $7 bottles of nail polish by OPI are equally chip-resistant and beautifully colored as top-of-the-line polishes by Chanel ($26). OPI polishes are free of DBP, toluene, and formaldehyde, and they have a porcelain glaze that lasts long after the application date. What's more, OPI base coats also come highly rated for <a href="http://www.courier-journal.com/story/life/shopping/2015/02/13/best-nail-base-coat-combo/23343219/">longer lasting enamel</a> that strengthens the nail and protects against peeling.</p> <h2>5. Nail Polish Remover</h2> <p>You'll save at least $2 per bottle by buying off-brand nail polish removers, which contain the same ingredients as most name brand polish removers. &quot;For nails, Target's Up &amp; Up Regular Nourishing Nail Polish Remover is protein-rich, acetone-free, and no different from polish removers that cost more,&quot; says Hollywood hair and makeup artist Julia Papworth.</p> <h2>6. Skin Moisturizer</h2> <p>Clinique and Bobbi Brown sell high-end moisturizing lotions, but the truth is that one of the most <a href="http://www.galderma.com/Medical-Solutions/Major-Brands/Cetaphil">highly-rated skin creams</a> by makeup professionals and dermatologists alike is made by the drugstore brand, Cetaphil. Cetaphil moisturizer is immensely hydrating yet gentle on the skin. A 16 ounce tub sells at most drugstores and markets for about $11 &mdash; about five times lower than the price of the leading moisturizing cream by Bobbi Brown. As a bonus, Cetaphil also makes for a great makeup remover. Simply apply a modest amount of the lotion to your face and use a cotton ball or soft cloth to wipe it clean.</p> <h2>7. Wrinkle Corrector</h2> <p>There's no need to shell out top dollar when shopping for a product to soften the appearance of fine lines and wrinkles on your face. &quot;Rite Aid's Advanced Wrinkle Corrector softens fine lines, and skin stays soft throughout the day,&quot; says <a href="http://prettypublicbeauty.com/">Pretty Public Beauty</a> editorial director Devin Giannoni. Wrinkle correctors made by Rite Aid and other pharmacies will typically cost you $3 less than the name brand products.</p> <p><em>What are your favorite bargain beauty buys?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/7-generic-beauty-buys-better-than-the-expensive-originals">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/wantable-makeup-premium-cosmetics-at-a-bargain-price">Wantable Makeup: Premium Cosmetics at a Bargain Price</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/budgeting-beauty-an-expert-tells-all">Budgeting Beauty - An Expert Tells All</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/can-beauty-be-this-basic">Can Beauty Be THIS Basic?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/five-beauty-products-ive-learned-to-live-without">Five Beauty Products I&#039;ve Learned To Live Without</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/pretty-cheap-makeup-advice-for-the-frugal">Pretty, Cheap: Makeup Advice for the Frugal</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty bargain hunting cosmetics generic makeup perfume Tue, 24 Mar 2015 21:00:09 +0000 Brittany Lyte 1351253 at http://www.wisebread.com 5 Cheap and Easy Metabolic Boosters http://www.wisebread.com/5-cheap-and-easy-metabolic-boosters <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-cheap-and-easy-metabolic-boosters" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/cdn/farfuture/BjPSk9fwQrLLHYfJEYu0nldM0w_voKe9hrikRSlWZK8/mtime:1427122890/files/fruganomics/imagecache/250w/blog-images/woman_drinking_tea_000018615192.jpg" alt="Woman drinking health tea to boost metabolism" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I recently wrote an article featuring eight <a href="http://www.wisebread.com/burn-more-calories-with-these-8-frugal-foods">frugal and fantastic foods</a> that ramp up calorie burn. And while I was researching, it struck me that there are plenty of non-food (and non-drug) ways to rev metabolism as well. The best part? These five things are free and easy to incorporate into your everyday life &mdash; no matter your busy schedule.</p> <h2>1. Fast Exercise</h2> <p>Mini exercise bursts &mdash; as short as a <a href="http://abcnews.go.com/blogs/health/2014/03/25/doctor-says-20-second-workout-can-make-you-slimmer-and-healthier/">20-second workout</a> &mdash; have been shown to keep people slimmer and healthier. In 2011, researchers at Bath University studied a group of sedentary young men and women and tracked their progress over a period of six weeks with a progressive cycling program. The catch? Participants exercised hard for less than ten minutes total over those six weeks, yet they showed some respectable fitness gains related to VO2 max and insulin resistance (at least for men). Sort of eliminates the &quot;no time&quot; excuse for working out.</p> <h2>2. Heavy Weights</h2> <p>Chances are that most of us don't engage in a regular strength training program. As a runner, I struggle with too much cardio that leads me to a weight loss plateau. However, if you pump iron on the regular, you'll gain muscle mass and burn more fat. More mass means a <a href="http://www.webmd.com/fitness-exercise/get-more-burn-from-your-workout">higher resting metabolic rate</a>. You can even perform low-impact exercises like yoga and Pilates if you're shy about lifting the heavy weights. At-home strength training &mdash; push-ups, sit-ups, squats, etc. &mdash; using your own body weight for resistance is another great, no-cost option. (See also: <a href="http://www.wisebread.com/these-at-home-exercises-will-give-you-a-gym-quality-workout-for-free?ref=seealso">These At-Home Exercises Will Give You a Gym-Quality Workout for Free</a>)</p> <h2>3. Sound Sleep</h2> <p>The secret to a faster metabolism might be as easy as setting your bedtime earlier. In fact, losing a couple hours of sleep (from the recommended seven or eight) a few days in a row is a recipe for <a href="http://well.blogs.nytimes.com/2013/03/18/lost-sleep-can-lead-to-weight-gain/?_r=0">immediate weight gain</a>. The research was performed at the University of Colorado back in 2013, and initial results showed that getting less than five hours of sleep a night actually increased calorie burn. But in just one week, the sleep-deprived participants ate more and gained an average of two pounds. (See also: <a href="http://www.wisebread.com/how-to-get-more-sleep-without-spending-more-time-in-bed?ref=seealso">How to Get More Sleep Without Spending More Time in Bed</a>)</p> <h2>4. Caffeinated Beverages</h2> <p>Whether it's a morning mug of coffee or green tea, sipping on a beverage that contains caffeine helps <a href="http://www.menshealth.com/mhlists/abs_diet_foods/Green_Tea_Coffee.php">speed up heart rate</a> and torch calories. And green tea contains a special chemical named EGCG, which boosts metabolism even more. Of course, you'll want to stick with caffeinated drinks that don't contain added sugars or other high-calorie ingredients, but studies have shown a cup of coffee and three 90 mg doses of EGCG can burn an extra 80 calories a day while the body is at total rest (even more during exercise).</p> <h2>5. Plain Water</h2> <p>If you're like me and you can't take a caffeine buzz, try sipping more water for a metabolism benefit. Furthermore, drinking water before meals can act as an <a href="http://life.gaiam.com/article/how-drinking-more-water-can-help-you-lose-weight">appetite suppressant</a> and helps flush toxins out of the body. Cold water increases metabolic rate even more by making the body work harder to warm it up. (See also: <a href="http://www.wisebread.com/eight-natural-ways-to-make-water-more-flavorful?ref=seealso">8 Healthy Ways to Make Water More Flavorful</a>)</p> <p><em>What do you do to boost your metabolism and burn more calories?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/5-cheap-and-easy-metabolic-boosters">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-habits-that-are-quietly-making-you-fat-and-have-nothing-to-do-with-eating">7 Habits That Are Quietly Making You Fat (and Have Nothing to Do With Eating)</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/if-youre-doing-these-4-exercises-your-workouts-are-worth-nothing">If You&#039;re Doing These 4 Exercises, Your Workouts Are Worth Nothing</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-surprising-non-physical-benefits-of-exercise">10 Surprising, Non-Physical Benefits of Exercise</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/36-workouts-you-can-do-in-your-living-room-while-its-cold-out">36 Workouts You Can Do in Your Living Room While It&#039;s Cold Out</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-tips-for-getting-the-best-morning-workout">7 Tips for Getting the Best Morning Workout</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty exercise metabolism boosters weight loss workouts Mon, 23 Mar 2015 15:00:10 +0000 Ashley Marcin 1351026 at http://www.wisebread.com 10 Important Reasons You Need to Cut Back on Screen Time http://www.wisebread.com/10-important-reasons-you-need-to-cut-back-on-screen-time <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-important-reasons-you-need-to-cut-back-on-screen-time" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/cdn/farfuture/mNpmtw1SgJaubOr40l4-jA4cc2m99WyO4AXKvv8_VfU/mtime:1426763206/files/fruganomics/imagecache/250w/blog-images/girls_on_phones.jpg" alt="young girls on their cellphones" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Screen time. You know, all those hours you spend in front of your computer at work? Plus the time on your cell phone at lunch, and the TV you watch before you go to bed. It all adds up.</p> <p>Unfortunately, research seems to show some significant negative effects of all the time we spend in front of our screens. While this is still a nascent field of academic study &mdash; we simply haven't had access to these devices for long enough to know exactly how they affect us &mdash; there seem to be some compelling reasons to make the effort to look at something other than a screen.</p> <h2>1. It's Bad for Your Health</h2> <p>Being in front of a screen is almost always sedentary behavior (unless, I suppose, you're on the treadmill). Because of this, it correlates with things like lower fitness levels and undesirable body composition.</p> <p>Turn this around by choosing something active rather than watching TV or playing video games in your spare time. You don't have to kill yourself at the gym; you can take a walk, work on a project at home, or even garden.</p> <h2>2. It Hinders Your Brain's Performance</h2> <p>Kids do better in school when they have less screen time. Researchers aren't yet sure why this is true, but it probably has to do with the ways that technology teaches the brain to function. If you want to perform well in situations that involve memorization or problem solving (which are tasks that many kids perform in school), limit your screen time.</p> <h2>3. It Lowers Your Ability to Process Nonverbal Cues</h2> <p>When people are taken away from their screens, they seem to better <a href="http://www.sciencedirect.com/science/article/pii/S0747563214003227">process nonverbal cues</a>. It makes sense that when you are mostly interacting with actual people, you get better at understanding emotional things they're trying to communicate.</p> <p>Processing nonverbal cues well means that you're less likely to make awkward social mistakes, and also means that you might have more opportunities for social interaction and have an easier time making new friends.</p> <h2>4. It Messes Up Your Sleep</h2> <p>When teenagers have more than four hours of screen time per day, and especially when they use their screens in the hour before going to bed, they have trouble falling asleep. This can lead to a sleep deficit of up to two hours each night!</p> <p>If you're not sleeping well, you will not only feel tired the next day, but it can hinder your performance at work or in school. It's worth the effort to use your screen less and get a little more rest.</p> <h2>5. It Reduces Your Ability to Plan Ahead</h2> <p>People who spend a lot of time in front of screens, and especially those who play video games a lot, have a <a href="https://www.psychologytoday.com/blog/mental-wealth/201402/gray-matters-too-much-screen-time-damages-the-brain">loss of brain volume</a> in their frontal lobes. If this happens to you, it lowers your ability to do a lot of things, among them the ability to plan ahead.</p> <p>Most of us need to make plans in our daily lives. We plan everything from where to go to lunch tomorrow, to how much money we can spend this weekend, to what we want to do on vacation next year. It's important to have the healthiest frontal cortex that you can, in order to perform these tasks well.</p> <h2>6. It Makes Impulse Control Harder</h2> <p>If you spend so much time in front of a screen that you get addicted to being online, there are all sorts of negative effects. One of these is that you lose the ability to <a href="http://www.psyn-journal.com/article/S0925-4927%2812%2900029-7/abstract">control your impulses</a>. This means that you will be more likely to do things like spending money whenever you see something that you want, overeating on things that look good to you, and making hasty decisions that could negatively affect your future.</p> <h2>7. It Inhibits Communication Skills</h2> <p>People who spend more time online, especially young people, are more likely to <a href="http://www.scmp.com/lifestyle/health/article/1513555/beware-negative-effects-too-much-screen-time-children">struggle with communication</a>. It seems that people who learn how to interact with others in online contexts don't necessarily develop the skills to interact outside of those specific structures. If interpersonal communication is important to you or part of your job, you will likely reap rewards if you spend less time in front of your screen.</p> <h2>8. It Can Make You Depressed</h2> <p>People who spend a lot of time in front of screens, specifically while watching TV, have a higher <a href="http://fit.webmd.com/teen/recharge/article/teens-screen-time?page=2#2">incidence of depression</a> than those who choose to do other things with their time.</p> <p>There are likely multiple reasons for this. If you choose to watch TV rather than interact with people, loneliness could cause the depression. TV also gives an unrealistic portrayal of how life should be and what you should look like, and comparing that to your real life can bring you down. Finally, TV can be violent and scary (and that's just the news!), which can lead people to an overall negative view of the world.</p> <h2>9. It Leads to Antisocial Behavior</h2> <p>When kids watch a lot of TV, they are more likely to have problems with <a href="http://www.everydayhealth.com/kids-health/0219/too-much-tv-leads-to-antisocial-behavior-in-kids-study-finds-7591.aspx">antisocial behavior</a> at some time in their lives. Note that this doesn't mean that they are necessarily antisocial as kids, but that this behavior can manifest as they grow older. Researchers aren't sure how time in front of the television leads to this behavior, but the correlation is strong enough that it seems like good motivation for limiting screen time for anyone.</p> <h2>10. It Means You're Almost Always Multitasking</h2> <p>When you're in front of a screen, you're usually multitasking. This means that a lot of screen time can lead to some of the same <a href="http://www.wisebread.com/the-fallacy-of-multitasking?ref=seealso">negative effects of multitasking</a>, like a lack of focus or an inability to remember things because your brain is overstimulated. (See also: <a href="http://www.wisebread.com/the-simple-way-to-make-multitasking-actually-work?ref=seealso">The Simple Way to Make Multitasking Actually Work</a>)</p> <p>If you must use a screen, try to do just that. Then, when you're done, move onto whatever you need to do next and leave the screen behind. Do one thing at a time so you can focus and remember.</p> <p><em>Do you choose to limit your screen time? What positive effects have you noticed?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/10-important-reasons-you-need-to-cut-back-on-screen-time">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/cheap-smartphones-which-ones-are-worth-it">Cheap Smartphones: Which Ones Are Worth It?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/unauthorized-video-game-hack-may-net-consumers-up-to-35-0">Unauthorized Video Game Hack May Net Consumers Up to $35</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-google-wallet-can-save-you-money">5 Ways Google Wallet Can Save You Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-turn-a-video-game-system-into-a-gym-membership">How To Turn A Video Game System Into A Gym Membership</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/buying-a-new-smartphone-without-extending-your-contract">Buying a New Smartphone Without Extending Your Contract</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Technology screen time smartphones television video games Thu, 19 Mar 2015 11:00:09 +0000 Sarah Winfrey 1347472 at http://www.wisebread.com 5 Vital Things to Remember When Buying Health Insurance http://www.wisebread.com/5-vital-things-to-remember-when-buying-health-insurance <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-vital-things-to-remember-when-buying-health-insurance" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/cdn/farfuture/nMdU2ldHgsOwKd_k27ucwShPiVe-wkbyhje94N-r3E0/mtime:1426683861/files/fruganomics/imagecache/250w/blog-images/doctor_and_patient.jpg" alt="hospital patient" title="hospital patient" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Thanks to the <a href="http://www.wisebread.com/signing-up-for-obamacare-in-2015-heres-whats-new">Affordable Care Act</a> (or &quot;Obamacare&quot;), now every individual has access to affordable health insurance. All new health care plans include 10 <a href="http://obamacarefacts.com/essential-health-benefits/">Essential Health Benefits</a>, but there are other important factors to consider when choosing a plan. Here are the top five.</p> <h2>1. HMO or PPO?</h2> <p>There are generally greater limitations when selecting an HMO, but plan premiums are typically lower due to these very restrictions &mdash; such as being required to obtain a referral from your primary care physician (PCP) before receiving any health care services other than emergency.</p> <p>Conversely, PPOs typically carry higher premiums. But, they allow more physicians to participate in the network, offer a larger number of in-network hospitals and clinics, and most likely will not require a PCP referral before you can receive services. Generally speaking, PPO plans are better-suited for people with more regular or intensive medical needs, whole HMOs are best for persons who limit their use of health care services.</p> <h2>2. Networks</h2> <p>Your insurance provider can specify in-network, out-of-network, and preferred networks for the services you receive. You should check to see which services are covered within your network, and if there are any out-of-pocket costs for going outside of it. It can mean a difference of thousands of dollars.</p> <h2>3. Deductibles and Co-Pays</h2> <p>Paying a higher deductible brings down the cost of your monthly premium. But there are other benefits: High-deductible plans can also be combined with health saving accounts (HSAs), which are medical savings accounts that allow you to pay for deductibles, premiums, prescriptions, medical supplies, and other qualifying health expenses using pre-tax dollars.</p> <p>To save on insurance costs, check your plan's copay for routine office visits and prescription drugs. If you think you'll use these services regularly, make sure the plan offers a reasonable copay. Or, consider signing up for an HSA to help defray the cost.</p> <h2>4. Drug Benefits</h2> <p>Most insurance providers retain the right to only cover generic or less expensive prescription drugs when available, and require you to visit a pharmacy within your network. Read through the provider's drug benefits to make sure your desired level of prescriptions are covered.</p> <h2>5. Short-Term Coverage</h2> <p>Short-term plans provide coverage from 30 days up to one year. Use this type of plan only if you are in between plan options. Keep in mind that short-term coverage does not meet the ACA's essential coverage requirement, and as such, is still subject to penalties. In other words, these plans are <em>not </em>protected under ACA. You can be denied coverage, denied due to pre-existing conditions, and cancelled at any time.</p> <p><em>What factors do you consider when shopping for health insurance?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/qiana-chavaia">Qiana Chavaia</a> of <a href="http://www.wisebread.com/5-vital-things-to-remember-when-buying-health-insurance">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/signing-up-for-obamacare-in-2015-heres-whats-new">Signing Up for Obamacare in 2015? Here&#039;s What&#039;s New</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-examine-your-healthcare-plan-and-save">How to Examine Your Healthcare Plan and Save</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-spend-your-last-minute-health-care-fsa-funds">8 Ways to Spend Your Last-Minute Health Care FSA Funds</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/going-without-health-insurance-in-2015-heres-what-itll-cost-you">Going Without Health Insurance in 2015? Here&#039;s What It&#039;ll Cost You</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dont-fall-for-these-common-obamacare-scams">Don&#039;t Fall for These Common Obamacare Scams</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Insurance affordable care act health care HMO obamacare PPO Wed, 18 Mar 2015 13:00:03 +0000 Qiana Chavaia 1345719 at http://www.wisebread.com 7 Foods Scientifically Proven to Make You (More) Beautiful http://www.wisebread.com/7-foods-scientifically-proven-to-make-you-more-beautiful <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-foods-scientifically-proven-to-make-you-more-beautiful" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/cdn/farfuture/f8kTL4Wlq1yVMyWW0fCqBJiOumQ4_DSHTsTrJzGAp8E/mtime:1426590026/files/fruganomics/imagecache/250w/blog-images/little-girl-strawberries-nature-iStock_000051686516_Small.jpg" alt="little girl strawberries" title="little girl strawberries" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Beauty is in the eye of the beholder, but that doesn't mean you can't help it along. Our diet plays a strong role in how we look and feel. These seven foods will do wonders for that reflection in the mirror.</p> <h2>1. Salmon</h2> <p>Everyone says salmon makes your skin glow, and in this case, everyone is right. Salmon and other fatty fishes such as tuna are loaded with iron, vitamin B12, and omega-3 fatty acids. Not only do these compounds <a href="http://health.howstuffworks.com/skin-care/daily/tips/quick-tips-will-eating-salmon-make-my-skin-look-healthier-.htm">give you radiant skin</a>, they also provide your scalp and hair with plenty of nourishment. If you don't eat fish, flaxseed is a great alternative that provides similar benefits.</p> <h2>2. Lean Protein</h2> <p>Speaking of hair, do your locks need a boost from the inside out? Add some lean proteins such as chicken, turkey, or eggs to your diet. Protein helps <a href="http://womenshair.about.com/od/healthyhairmaintenance/tp/The-Best-Foods-For-The-Healthiest-Hair.htm">restore and preserve the shine</a> of your hair, as well as making it grow faster and stronger.</p> <h2>3. Berries</h2> <p>Cranberries, blueberries, and acai berries are <a href="http://www.joybauer.com/food-articles/berries.aspx">loaded with antioxidants</a>. These antioxidants aid blood flow and promote regular cell turnover to keep skin looking and feeling its best. Antioxidants keep wrinkles at bay, too.</p> <h2>4. Citrus</h2> <p>Vitamin C does a whole body good, inside and outside. It helps <a href="http://www.oralb.com/topics/lack-of-vitamin-c-gums.aspx">strengthen gums</a>, the foundation of a beautiful smile. Vitamin C also helps our bodies produce collagen, the tissue that gives skin its elasticity and smooth appearance. As we age, our bodies naturally produce less collagen, so a boost in vitamin C helps keep us looking our best.</p> <h2>5. Dried Fruit</h2> <p>Want stronger hair and nails? Reach for a handful of dried fruit such as raisins or apricots the next time you get the munchies. Many dried fruits are <a href="https://beautyhealthtips.in/amazing-beauty-benefits-dry-fruits-almonds-raisins-walnuts-cashew-nuts-pistachios-benefits/">rich in iron</a>, a key nutrient for healthy hair and nails.</p> <h2>6. Greens</h2> <p>Here's another great reason to get your greens, be they kale, broccoli, or spinach: Your hair will thank you for it. The <a href="http://www.webmd.com/diet/leafy-greens-rated">abundant vitamins A and C</a> in green vegetables keep your hair soft, smooth, glossy, and strong.</p> <h2>7. Whole Grains</h2> <p>We often hear about the benefits of whole grains to <a href="http://www.joybauer.com/food-articles/whole-grains.aspx">control our weight</a> and keep us regular. And those benefits are warranted. Did you know whole grains are also incredible for the skin? The iron, zinc, and vitamin B in whole grains fight acne and keep our complexion even and clear.</p> <p>Using topical beauty treatments can cost a fortune and the results are often mixed. When we condition the body from the inside out, not only do we improve our overall health, but others see it too. Enjoy these foods and you'll make your best, most beautiful first impression.</p> <p><em>Are these beautiful foods part of your diet?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christa-avampato">Christa Avampato</a> of <a href="http://www.wisebread.com/7-foods-scientifically-proven-to-make-you-more-beautiful">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-supposedly-unhealthy-foods-that-are-actually-good-for-you">8 Supposedly Unhealthy Foods That Are Actually Good for You</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-foods-scientifically-proven-to-increase-your-energy">10 Foods Scientifically Proven to Increase Your Energy</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/great-ways-to-get-calcium">Great Ways to Get Calcium</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/herbal-supplements-know-what-you-re-getting">Herbal Supplements: Know What You’re Getting!</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-foods-with-the-most-bang-for-your-buck">10 Foods With the Most Bang for Your Buck</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink Health and Beauty food for beauty food science healthy food nutrition Tue, 17 Mar 2015 11:00:07 +0000 Christa Avampato 1336600 at http://www.wisebread.com Burn More Calories With These 8 Frugal Foods http://www.wisebread.com/burn-more-calories-with-these-8-frugal-foods <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/burn-more-calories-with-these-8-frugal-foods" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/cdn/farfuture/BNusF1HM125_FAxAVVyRx3B5i1IzMYdlXeJFFNQXShE/mtime:1426655925/files/fruganomics/imagecache/250w/blog-images/strawberries_in_hand_000023247024.jpg" alt="Strawberries in the hand" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Sure, you read all kinds of &quot;don't eat&quot; lists criticizing foods with too much fat or too many carbs. But did you know there are foods that can actually boost your calorie burn? Believe it.</p> <p>Add the following frugal foods to your daily routine, and you might lose more weight while eating like a king (or queen).</p> <h2>1. Eggs</h2> <p>Eggs aren't just an amazing source of protein, they've also been shown to positively impact individuals with <a href="http://www.eurekalert.org/pub_releases/2012-04/epr-enr042312.php">metabolic syndrome</a>. For the rest of us, this means they fill us up, all while helping to restore levels of &quot;good&quot; HDL cholesterol. Of course, eating eggs for breakfast (or any time at all) has huge benefits for jump-starting your metabolism in general. Plus, they're super inexpensive!</p> <h2>2. Hot Peppers</h2> <p>Chili peppers contain this crazy chemical called capsaicin that <a href="http://www.cbsnews.com/news/chili-peppers-may-fire-up-weight-loss/">super-boosts&nbsp;metabolism</a> into hyper-drive. In a study conducted by researchers at the University of Wyoming, peppers have also been shown to help convert &quot;bad&quot; white fat into &quot;good&quot; brown fat. All good news for those of you who like it hot. The best way to save on peppers is to buy them up when they're in season.</p> <h2>3. Whole Grains</h2> <p>We've all heard that refined carbohydrates aren't good for our health. Thankfully there are many hearty whole grain alternatives that are both delicious and beneficial to the body. Just read the science: &quot;<a href="http://www.ncbi.nlm.nih.gov/pubmed/15536473">Whole grain intake</a> is inversely and refined grain intake is positively associated with the risk of having metabolic syndrome.&quot; Try baking your own bread at home for whole grains on the cheap. (See also: <a href="http://www.wisebread.com/10-easy-delicious-recipes-for-homemade-bread?ref=seealso">10 Easy, Delicious Recipes for Homemade Bread</a>)</p> <h2>4. Berries</h2> <p>A Swedish study recently revealed that berries aren't just tasty &mdash; they also <a href="http://www.hindawi.com/journals/jnme/2014/403041/">fight obesity</a>. Even mixed with an otherwise high-fat diet, the addition of berries kept insulin levels and weight loss steady. The specific berries you should munch include lingonberry, blackcurrant, bilberry, raspberry, açai, crowberry, prune, and blackberry. My favorite way to get my dose is through fruit smoothies, and I find buying frozen berries is a better investment because they don't spoil.</p> <h2>5. Grapefruit</h2> <p>My mom always said that grapefruit is great to eat while dieting. Now science is backing this idea. In a 2006 study, 91 obese participants saw <a href="http://www.ncbi.nlm.nih.gov/pubmed/16579728">greater weight loss</a> and a lowered post-glucose insulin level by eating fresh grapefruit. This study also uncovered that a grapefruit supplement and juice aren't as effective as the whole food (and groceries are less expensive than supplements, right?).</p> <h2>6. Dairy</h2> <p>I'm quick to blame my cheese consumption when pointing fingers at weight gain. But researchers studying the <a href="http://www.nrcresearchpress.com/doi/full/10.1139/apnm-2014-0154#.VOsZfktofwJ">dairy-eating habits</a> of healthy French-Canadians discovered eating dairy products has a positive impact on metabolic health. The key here is calcium, and the recommended intake to see benefits is two to four servings each day. Try buying products in bulk to save.</p> <h2>7. Water</h2> <p>While technically not a food, water is key to overall health, including boosting metabolism. In a study published in the Journal of Clinical Endocrinology and Metabolism, participants saw a <a href="http://www.shape.com/healthy-eating/healthy-drinks/6-reasons-drinking-water-helps-solve-any-problem">30% increase</a> in metabolism after drinking just 17 ounces of the stuff. The increase started about ten minutes after drinking but continued beyond a half hour afterward. And keep your pennies &mdash; tap water is<a href="http://www.wisebread.com/bottled-or-tap-the-right-choice-for-water-may-surprise-you">&nbsp;better than bottled</a>.</p> <h2>8. Coffee</h2> <p>While we're on beverages, coffee's <a href="http://www.ncbi.nlm.nih.gov/pubmed/21879101">influence on metabolic rate</a> can't be denied. Ingesting coffee &mdash; caffeine &mdash; immediately increases heart rate, an effect that lasts up to 30 minutes after consumption. The down side? Drinking coffee may put you at risk for coronary heart disease in the hour after ingestion. Moderation is best, and brewing your coffee at home will cut your costs tremendously.</p> <p><em>Do you enjoy any of these frugal calorie burners?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/burn-more-calories-with-these-8-frugal-foods">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-cheap-ways-to-lower-your-blood-sugar">13 Natural and Easy Ways to Lower Your Blood Sugar</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/herbal-supplements-know-what-you-re-getting">Herbal Supplements: Know What You’re Getting!</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/want-to-keep-your-dispoable-razor-blades-sharp-use-your-arm">Want to Keep Your Disposable Razor Blades Sharp? Use Your Arm</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-foods-scientifically-proven-to-make-you-smarter">7 Foods Scientifically Proven to Make You Smarter</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-spectacular-uses-for-that-lone-can-of-fruit">8 Spectacular Uses for that Lone Can of Fruit</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Food and Drink Health and Beauty super foods Fri, 13 Mar 2015 10:00:11 +0000 Ashley Marcin 1331394 at http://www.wisebread.com Here's What the New Federal Diet Rules Will Cost You http://www.wisebread.com/heres-what-the-new-federal-diet-rules-will-cost-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/heres-what-the-new-federal-diet-rules-will-cost-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/cdn/farfuture/YYC9rD79wYUsksJVURWEnYpw65QOGqZ99zOPPJdgfug/mtime:1426746151/files/fruganomics/imagecache/250w/blog-images/woman_hamburger_000019722481.jpg" alt="Woman eating delicious hamburger" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>America's dietary policy advisers recently revealed their proposed recommendations for the next Dietary Guidelines for Americans, the nation's official ideal menu, updated every five years. Basically, the report calls for a lot less sugar, while relaxing concerns about other items like cholesterol and caffeine.</p> <p>Sure, following the report is sure to slim your waistline, but how will it affect your big fat wallet? We often hear that it's expensive to eat a healthy diet, so we took a look at whether the new recommendations would cost less or more than what you might have already been spending on food.</p> <h2>1. Replace Saturated Fat With Unsaturated Fat (Wallet Impact: Higher Cost)</h2> <p>Unlike past recommendations, this report doesn't admonish Americans to reduce the amount of fat in our diets. (We never listened anyway.) Instead, it advises us to keep saturated fats, like the <a href="http://www.health.gov/dietaryguidelines/2015-scientific-report/11-chapter-6/d6-2.asp">animal fats</a> found in red meat and butter, down to 10% of daily calories, and make sure the rest of the fat we consume is unsaturated (preferably polyunsaturated fats from such sources as nuts, seeds, and fish.) What we must stop doing, the report says, is replacing saturated fat with refined carbohydrates like packaged &quot;low fat&quot; snacks.</p> <p>Well, fish can be much more expensive than red meat, and a bag of almonds is a more expensive snack than low-fat, sugar-frosted granola bars. All these things mean that following this recommendation could increase grocery costs significantly.</p> <h2>2. Minimize Trans Fats (Wallet Impact: Higher Cost)</h2> <p>&quot;It is now well-established that <a href="http://www.health.gov/dietaryguidelines/2015-scientific-report/06-chapter-1/">higher intake of trans fat</a> from partially hydrogenated vegetable oils is associated with increased risk of (cardiovascular disease) and thus, should be minimized in the diet,&quot; the report says.</p> <p>This means avoiding many brands of margarine, <a href="http://www.health.com/health/gallery/0,,20533295_4,00.html">pre-made pastry crusts</a>, and canned frosting at the grocery store. Trans-fat-free non-butter spreads or real butter are both more expensive than trans-fatty margarine, so this recommendation could cost you a few dollars a week. Making your own pastries with safer fats may be slightly cheaper than buying pre-made, but takes a lot more time.</p> <h2>3. Cut Way Back on Added Sugars (Wallet Impact: Lower Cost)</h2> <p>The average American gets 13% of his or her calories from added sugars, but because of the association with weight and diabetes, we should be getting no more than 10% of our <a href="http://www.health.gov/dietaryguidelines/2015-scientific-report/11-chapter-6/d6-3.asp">calories from sugar</a>. Young people need to cut back even more, since children and young adults over age nine get 15% to 17% of their calories this way.</p> <p>The committee recommends reducing sugar-sweetened beverages, the main source of added sugar calories in our diets at 39%. Because the long-term effects of using low-calorie sweeteners aren't well understood, the report recommends replacing soda with water, not diet soda. Since sodas are pricey and water is free, this change could be a money saver.</p> <p>What's more, the report calls for the ubiquitous availability of free drinking water in public. If that recommendation becomes public policy, we might see the return of more functioning water fountains and bottle-filling stations, something that would save everyone money.</p> <h2>4. Reduce Sodium (Wallet Impact: Neutral)</h2> <p>The DCAG says that adults who need to lower their blood pressure should cut back on salt. Even though they've been telling us that for years, <a href="http://www.health.gov/dietaryguidelines/2015-scientific-report/11-chapter-6/d6-1.asp">salt consumption</a> continues to &quot;far exceed recommendations.&quot; More than <a href="http://www.cdc.gov/salt/pdfs/sources_of_sodium.pdf">75% of our sodium</a> comes from processed foods and restaurant meals (especially fast food). Replacing processed foods with fresh ones can cost more, but eating home-cooked meals is less expensive than fast food, so this one is a wallet wash.</p> <h2>5. Get More Vitamin D and Potassium (Wallet Impact: Higher Cost)</h2> <p>The report notes that Americans are not getting enough of these nutrients, and acknowledges that even eating a healthy diet might not provide enough of them. Individuals may have to look at <a href="http://www.health.gov/dietaryguidelines/2015-scientific-report/06-chapter-1/d1-2.asp">fortified foods and supplements</a> of vitamin D and potassium on a case-by-case basis. Supplements usually cost more than food, so following this recommendation might cost you more.</p> <h2>6. Don't Limit Cholesterol (Wallet Impact: Lower Cost)</h2> <p>Previous dietary guidelines limited the recommended daily intake of cholesterol, prompting the health-conscious to avoid eggs. High levels of &quot;bad cholesterol&quot; in your blood is still recognized as a warning sign for health problems. However, the available evidence shows no relation between the amount of cholesterol we eat and what shows up in our blood work. So the committee is dropping the cholesterol limit, inviting you to enjoy those eggs at will. Since eggs are a low-cost source of protein, this recommendation could save money.</p> <h2>7. Don't Stress About Caffeine (Wallet Impact: Neutral)</h2> <p>If the report urged us all to increase our caffeine consumption, that would cost us more, since Starbucks can be an expensive indulgence. Even relatively affordable drinks like tea clearly cost more than plain water.</p> <p>However, the report merely says that most Americans' current caffeine consumption level is not a health concern. They didn't urge any behavior change here, so following this recommendation wouldn't affect your budget. So keep chugging those lattes!</p> <p><em>How closely do you follow the government's DRI's?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/heres-what-the-new-federal-diet-rules-will-cost-you">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-avoid-putting-on-recession-pounds">How to Avoid Putting on Recession Pounds</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/if-youre-eating-these-6-things-your-diet-is-doing-nothing">If You&#039;re Eating These 6 Things, Your &quot;Diet&quot; Is Doing Nothing</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/so-you-think-youre-a-carnivore">So, You Think You&#039;re a Carnivore?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-health-foods-that-are-actually-making-you-fatter">10 Health Foods That Are Actually Making You Fatter</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/turbo-charge-your-diet-with-superfoods">Turbo-Charge Your Nutrition With Superfoods</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink Health and Beauty diet dietary guidelines federal guidelines Wed, 11 Mar 2015 15:00:04 +0000 Carrie Kirby 1329711 at http://www.wisebread.com 5 Foods Scientifically Proven to Take Years off Your Life http://www.wisebread.com/5-foods-scientifically-proven-to-take-years-off-your-life <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-foods-scientifically-proven-to-take-years-off-your-life" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/cdn/farfuture/YzbgqEzRhPat7cfUoNjokqZ9tMQ0le4bSkE_s2ZNHfI/mtime:1427175442/files/fruganomics/imagecache/250w/blog-images/woman_menu_cafe_000011316429.jpg" alt="Young woman looking at menu at a cafe" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We all know we're stuffing our faces with junk that isn't very good for us, but did you know that prolonged consumption of these so-delicious-they're-to-die-for foods might literally be killing us? It's true. Certain foods have been scientifically proven to adversely affect our health enough that you may be shaving years off your life without even knowing it. (See also: <a href="http://www.wisebread.com/6-foods-scientifically-proven-to-increase-your-lifespan">6 Foods Scientifically Proven to Increase Your Lifespan</a>)</p> <p>What are these quiet, edible killers? Take a look.</p> <h2>1. Processed Meat</h2> <p>Most fast food joints and numerous casual dine-in establishments have built their foundations on processed meat, and we're falling right into their death trap.</p> <p>&quot;Eating processed meat is associated with an increased mortality risk,&quot; says Rene Ficek, registered dietitian and lead nutrition expert at Seattle Sutton's Healthy Eating. &quot;Popular processed meats like hot dogs, pepperoni, and salami may be tasty, but they have been found to contribute to <a href="http://en.wikipedia.org/wiki/Telomere">shorter telomeres</a>. Regularly eating processed meat significantly increases your risk of death from heart disease and cancer. Some studies have quantified these results to show that each extra daily serving (approximately two rashers of bacon) raises your mortality rate by a fifth. Replacing red meat with fish, poultry or plant-based proteins could reduce the health risks by up to 14%.&quot;</p> <p>Fish sticks and chicken nuggets are excluded, of course.</p> <h2>2. Soda and Sugary Treats</h2> <p>I've never been a big fan of soft drinks. It's not completely banned from my life &mdash; I enjoy a refreshing soda every now and again (like twice a year) &mdash; but generally I steer clear. At the basic level, it's flavored, colored sugar water, and it will rot your teeth. In fact, one of my buddies had to have <em>thousands of dollars</em> worth of dental work done a few years ago to repair damage done by a decade or more of heavy cola consumption. I love my teeth too much for that nonsense.</p> <p>&quot;We've known for quite some time that sugary soda is bad for our health. However, soda is bad for the condition of telomeres because it is directly associated with a decreased lifespan,&quot; Ficek says. &quot;There have been numerous studies that have looked deep into the effects of soda consumption and the length of life. In fact, soda consumption is so rampant in the United States alone that researchers have linked its consumption to the same effects as smoking. Research shows that simply drinking even a low-calorie diet soda daily is connected to an almost 70% increased risk of Type 2 diabetes, and an additional doubled rate of aging.&quot;</p> <p>'Bout time you ditched the sweet, sweet bubbles, eh?</p> <h2>3. French Fries</h2> <p>Ask me to give up processed meats and soda forever, done deal. Ask me to give up French fries and you're dead to me.</p> <p>It's frankly un-American not to harbor a deep-seated love for these crispy-on-the-outside-fluffy-on-the-inside snacks. French fries are frickin' delicious. Alas, like all good things, they should be consumed in moderation unless you want them served in your casket.</p> <p>It's not just the fries themselves that are the worst part. Consider this doozy:</p> <p>&quot;The crispier [the French fries] are, the more harmful they can be,&quot; warns Ficek. &quot;Things fried at high temperatures are likely to contain a chemical called <a href="http://www.cancer.gov/cancertopics/causes-prevention/risk-factors/diet/acrylamide-fact-sheet"><em>acrylamide</em></a>, which may be linked to increased rates of cancer. It's produced from a chemical reaction from the sugars and an amino acid called <em>asparagine</em>, which is found in many grains and vegetables. Potatoes have a particularly high amount of it, further exacerbating the French fry problem.&quot;</p> <p>A not-so-happy meal, after all.</p> <h2>4. Wheat Gluten</h2> <p>More than I love French fries, I'm hopelessly devoted to a piping hot pizza. Sometimes I'll eat the whole thing without shame or apologies right in front of you because I'm a rude little piggy. Yet, while I know that all those carbs can and will make me fat, I had no idea that the gluten contained in the crust &mdash; even a whole wheat one &mdash; can screw up my body.</p> <p>&quot;Gluten &mdash; the protein found in wheat, rye, and barley &mdash; cannot be digested by anyone, and for those with celiac disease, symptoms, mortality, and risk for malignancy can each be reduced by adherence to a gluten-free diet,&quot; explains food-mood expert and certified nutritionist Trudy Scott. &quot;Even if you don't have celiac disease, gluten should be avoided because of the inflammation it causes in everyone. Gluten sensitivity is of great interest to me because <a href="http://www.ncbi.nlm.nih.gov/pubmed/21877216">gluten sensitivity remains undertreated and under-recognized</a> as a contributing factor to psychiatric and neurologic manifestations. As a nutritionist who works with women with anxiety, I see how food sensitivities like gluten can cause anxiety and fears and even social anxiety. Over 80% of my anxious clients do better mood-wise on a gluten-free diet.&quot;</p> <h2>5. Some Vegetable Oils</h2> <p>According to an article on Authority Nutrition, those heart-healthy vegetable oils you're buying because you think they're better for you are <a href="http://authoritynutrition.com/11-health-foods-that-can-kill-you/">harboring a dangerous secret</a>.</p> <p>&quot;[Soybean, corn, and cottonseed] oils contain very large amounts of Omega-6 fatty acids, way more than humans ever consumed throughout evolution,&quot; the site says. &quot;We need small amounts of these fatty acids in the diet, such as the amounts found in meat and nuts. Eating too much of these fats can lead to inflammation, which is a leading cause of many chronic diseases. These oils get incorporated into our body fat stores and cellular membranes, where they are highly sensitive to oxidation and damage. To top it all off, the industrial vegetable oils that you find in the supermarket contain 0.56%-4.2% of their fatty acid as trans fats, which are highly toxic.&quot;</p> <p>It's not all bad news, however. Olive oil is an exception &mdash; it's still good for you &mdash; so start making the switch today.</p> <p><em>What other foods are sending us to an early grave? Let's talk about it in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/5-foods-scientifically-proven-to-take-years-off-your-life">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-things-you-can-do-to-reduce-your-risk-of-diabetes">10 Things You Can Do to Reduce Your Risk of Diabetes</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-habits-that-are-quietly-making-you-fat-and-have-nothing-to-do-with-eating">7 Habits That Are Quietly Making You Fat (and Have Nothing to Do With Eating)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-healthy-habits-that-can-hurt-you">20+ Healthy Habits That Can Hurt You</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-simple-ways-to-lower-your-cholesterol">10 Simple Ways to Lower Your Cholesterol</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-killer-ways-to-really-actually-lose-weight">7 Killer Ways to Really, Actually Lose Weight</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty diet fitness longevity Tue, 10 Mar 2015 17:00:12 +0000 Mikey Rox 1329751 at http://www.wisebread.com You Won't Believe How Much the Average Person Spends on Salon Visits Each Year http://www.wisebread.com/you-wont-believe-how-much-the-average-person-spends-on-salon-visits-each-year <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/you-wont-believe-how-much-the-average-person-spends-on-salon-visits-each-year" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/cdn/farfuture/_RagXAFOM9xiXOaUz1ytc6EkGJd-_4550n9b_vRjN5o/mtime:1427178796/files/fruganomics/imagecache/250w/blog-images/woman_haircut_000030105894.jpg" alt="woman getting a haircut" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The beauty salon trade is a 20 billion dollar industry to which just about every American woman contributes. Haircuts, blow-outs, manis and pedis &mdash; they really do add up. And if you're like the average woman outlined below, your regular salon visits can cost you an average of about $1,800 per year! (And that only includes nails, haircuts, and blow-outs.)</p> <p>Fortunately, there are ways you can cut down on your salon expenses without compromising your look. Read on for our tally of what you're spending at the salon &mdash; then consider using some of our tips on saving big by beautifying at home.</p> <h2>1. Haircuts</h2> <p>The average American woman spends <a href="http://www.usnews.com/news/blogs/data-mine/2014/02/28/what-america-pays-for-a-haircut">$44 per haircut</a>, plus a tip of $9, for a total of $53 per visit. At an average of four cuts a year, that's a whopping $212 spent yearly ridding herself of dead ends.</p> <p>You could &quot;clip&quot; this expense altogether by learning to cut your own locks. But even if you're not willing to eliminate salon cuts completely, you could easily halve the cost by trimming at home, and saving the salon visits for major cuts or new styles. Ask your stylist for tips on how to achieve a precise and healthy trim. And for those too skittish to reach for the scissors, you could alternatively go an extra month between salon cuts, which will save you some significant coin in the long run.</p> <h2>2. Blow-Outs</h2> <p>Few among us have the budget of a Hollywood star to maintain red carpet-worthy locks 365 days a year. The average blow-out costs about $40, takes about 40 minutes, and has the effect of making you want them more often. For the sake of our example, let's assume the average woman gets a blow-out every other month, costing her a total of about $240 per year. (Ever heard of a <a href="http://abcnews.go.com/blogs/entertainment/2012/10/blow-out-junkies-spend-thousands-on-perfect-hair/">blow-out junkie</a>? These women habitually get three or more blow-outs per week. That's $6,240 a year, not including gratuity!)</p> <p>Fortunately, you can achieve the same super-sleek look at home using a professional dryer with a wattage of at least 1875. We recommend the <a href="http://www.amazon.com/gp/product/B00MFBGATM/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B00MFBGATM&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=UBKE24VUDCLEPPYM">Nanoe Hair Dryer</a> by Panasonic, which retails at about $154. And if you do decide to indulge in a salon blow-out, shop around for the best price. Major metropolitan areas and wealthy enclaves tend to charge more for salon services, so look outside those gilded borders for cheaper rates.</p> <h2>3. Manicures and Pedicures</h2> <p>Salons in the U.S. charge an average of $19.50 for a manicure. The average cost of a pedicure is $32.25. The average woman who gets manis and pedis does so every two weeks, running her an average of $1,345 per year.</p> <p>Whether you pamper yourself with these treatments once a month or just a handful of times during the summer, the cost quickly adds up. But with a little effort and a small investment, you can give yourself salon-worthy nail treatments at home.</p> <p>To begin, Manicurist Mila Yagoudaief recommends a 10-minute soak using <a href="http://www.amazon.com/gp/product/B0036S3Z9G/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B0036S3Z9G&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=SM3J55DYZ2GPIDJX">Sally Hansen Salon Mineral Foot Soak</a> ($8.88) to soften the skin and cuticles. You can also use this foot soak for your hands.&nbsp;Then use a clipper to trim your nails straight across so they're about even with the top of your fingers and toes, and use an emery board to round the outer edges of each nail.</p> <p>Next, remove any remaining dead skin by massaging your hands and feet with a thick exfoliating scrub, like <a href="http://www.amazon.com/gp/product/B002CMLTFO/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B002CMLTFO&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=4ZZA7WWPIKU6RWIZ">Barielle 60 Second Mani-Pedi</a> ($16.99). Rinse with warm water. You'll want to prevent the skin from drying out by massaging your hands and feet with any cream that contains shea butter.&nbsp;Now, find your favorite polish and paint! Don't forget to apply a topcoat to prevent chips and peeling.</p> <p>When you add up the average costs of manis, pedis, haircuts, and blow-outs above, it totals a startling $1,797 &mdash; and that's just the tip of the iceberg, since many women also get regular facials or skin treatments, hair color, massages, and more. Do your budget a favor by treating yourself at home, instead, and save the salon visits for truly special occasions.</p> <p><em>How much do you estimate you spend on yearly salon visits?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/you-wont-believe-how-much-the-average-person-spends-on-salon-visits-each-year">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-get-your-toiletries-for-cheap-or-even-free">6 Ways to Get your Toiletries for Cheap or Even Free!</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-surprising-places-to-find-deals-on-health-care">4 Surprising Places to Find Deals on Health Care</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ready-to-buy-some-exercise-equipment-read-this-first">Ready To Buy Some Exercise Equipment? Read This First.</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/givin-em-the-slip-look-rich-for-very-little">Givin&#039; &#039;em the Slip - Look Rich for Very Little</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/healthy-frugal-eating">Healthy, frugal eating</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Shopping beauty treatments salon visits Mon, 09 Mar 2015 11:00:07 +0000 Brittany Lyte 1325130 at http://www.wisebread.com 8 Ways to Spend Your Last-Minute Health Care FSA Funds http://www.wisebread.com/8-ways-to-spend-your-last-minute-health-care-fsa-funds <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-ways-to-spend-your-last-minute-health-care-fsa-funds" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/cdn/farfuture/CaSQLQzyvnUu0DvV0gr7600n4iWuojUM2FbkstCSLvw/mtime:1427438340/files/fruganomics/imagecache/250w/blog-images/doctor_mother_daughter_000027794734.jpg" alt="Doctor with mother and daughter" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Don't lose the money in your <a href="http://www.healthcare.gov/glossary/flexible-spending-account-FSA/">Flexible Spending Account</a>! The initial cut-off was December 31, 2014, but if your employer grants the optional rollover to the next year, your new deadline to use it or lose it is March 15, 2015. (One exception is if your plan's extension includes the $500 carry-over option &mdash; you can use those funds anytime throughout the year.) (See also: <a href="http://www.wisebread.com/signing-up-for-obamacare-in-2015-heres-whats-new?ref=seealso">Signing Up for Obamacare in 2015? Here's What's New</a>)</p> <p>Your FSA can be used for several qualified purchases. Here are eight awesome last-minute ways to spend the money in your FSA before you lose it.</p> <h2>1. Baby Supplies</h2> <p>The cost of raising infants is high, but a portion of those costs can be offset using your pre-tax FSA money. Diapers, thermometers, cold medications, and other essential baby care products are FSA eligible. Also see below for dependent care expenses.</p> <h2>2. Household Medical Supplies</h2> <p>Stock up on household medical supplies. Things that you normally would not consider buying with your FSA do qualify as medical supplies, like sunscreen, contact lenses, allergy medications, first-aid kits, and more. The <a href="https://fsastore.com/">FSA Store</a> has a large selection of FSA-eligible products.</p> <h2>3. Annual Exams and Check-Ups</h2> <p>Remember, co-pays and deductibles for those last-minute doctor visits qualify. So, schedule routine eye exams, physicals, and annual check-ups for you and covered members of your family.</p> <h2>4. Prescription Medications and Vitamins</h2> <p>Re-stock any prescription medications now that you will need later in the year. Preventive vitamin supplements and digestive care are also considered medical supplies.</p> <h2>5. Dependent Care</h2> <p>Some FSA plans cover dependent or child care &mdash; and for those with costly childcare and dependent care expenses, this is a great way to spend your FSA in one shot. Daycare, after school programs, nannies, and adult care all are qualified FSA expenses. Check with your plan to determine coverage.</p> <h2>6. Family Planning</h2> <p>Whether you are planning for a child (or just the opposite), many family planning items, like condoms, fertility kits, and fertility treatments are all FSA eligible.</p> <h2>7. Supplies You Might Not Expect</h2> <p>Many medical supplies you might not expect including batteries, Dr. Scholl's foot inserts, nicotine patches, ice packs, and body creams and lotions qualify for FSA eligibility.</p> <h2>8. Commuter Costs</h2> <p>Commuter costs are eligible, so don't forget to submit receipts for transportation and parking to and from health care service providers and pharmacies. The reimbursement also applies to dependent care providers.</p> <p><em>Do you have unused FSA funds? How will you use them before the deadline?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/qiana-chavaia">Qiana Chavaia</a> of <a href="http://www.wisebread.com/8-ways-to-spend-your-last-minute-health-care-fsa-funds">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/signing-up-for-obamacare-in-2015-heres-whats-new">Signing Up for Obamacare in 2015? Here&#039;s What&#039;s New</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/going-without-health-insurance-in-2015-heres-what-itll-cost-you">Going Without Health Insurance in 2015? Here&#039;s What It&#039;ll Cost You</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dont-fall-for-these-common-obamacare-scams">Don&#039;t Fall for These Common Obamacare Scams</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-vital-things-to-remember-when-buying-health-insurance">5 Vital Things to Remember When Buying Health Insurance</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-types-of-health-insurance-plans">The Types of Health Insurance Plans</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Insurance fsa account health care health insurance obamacare Thu, 05 Mar 2015 18:00:07 +0000 Qiana Chavaia 1320723 at http://www.wisebread.com 8 Supposedly Unhealthy Foods That Are Actually Good for You http://www.wisebread.com/8-supposedly-unhealthy-foods-that-are-actually-good-for-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-supposedly-unhealthy-foods-that-are-actually-good-for-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/cdn/farfuture/mr65mCNEOXEx8upXj40Poab4w630rQpT4oxWLCME10o/mtime:1424800827/files/fruganomics/imagecache/250w/blog-images/woman-drinking-coffee-cafe-Dollarphotoclub_69832554.jpg" alt="woman drinking coffee" title="woman drinking coffee" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Are you a coffee lover, but you abstain for health reasons? Or do you love snacking on popcorn, but rarely indulge because it's a &quot;junk food?&quot; Then good 'ole science has your back. The following eight foods have gotten a bad rap over the years, but in fact can play a big part in a healthy diet. (See also: <a href="http://www.wisebread.com/11-health-foods-not-worth-the-money?ref=seealso">11 Health Foods Not Worth the Money</a>)</p> <h2>1. Coffee</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/cdn/farfuture/4odeSzYQEqN8Z7VUMRMomBKazJ3UeHUKJJEp9wHBL9s/mtime:1424398291/files/fruganomics/u5123/coffee%20cup%20shop.jpg" width="605" height="340" alt="" /></p> <p>We've long been told that drinking coffee will lead to a long list of ills: stunted growth, heart disease, and even cancer. It turns out that no correlation has been found between these conditions and drinking coffee, and that people who drink coffee regularly tend to be healthier overall.</p> <p>Coffee has been shown to do exactly what you think it does: decrease risk of depression and improve cognitive function. Studies have also shown that <a href="http://www.mayoclinic.org/healthy-living/nutrition-and-healthy-eating/expert-answers/coffee-and-health/faq-20058339">coffee may even have long-term health benefits</a>, such as protection against diabetes, liver disease, and Parkinson's disease. The key is to stop at two cups a day &mdash; over-consumption can lead to risks, especially for individuals with a specific genetic mutation. And go easy on the cream and sugar.</p> <h2>2. Potatoes</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/cdn/farfuture/POZuRuIWkyAyejItetcN9TkKNNjtsM84HRG3DFKuk44/mtime:1424398482/files/fruganomics/u5123/roasted%20potatoes.jpg" width="605" height="340" alt="" /></p> <p>Before you speed off to the drive-thru, no, we're not talking about french fries. Potatoes are often vilified because of the way we tend to eat them: fried or loaded with butter and cheese. But on their own, these starchy vegetables are actually a <a href="http://www.whfoods.com/genpage.php?tname=foodspice&amp;dbid=48">low-calorie, high-fiber food</a>. Potatoes are loaded with vitamin B6, which helps build and support cells, and other vitamins and minerals like potassium. New studies show that potatoes may also help regulate blood sugar. Try preparing a delicious side dish of skin-on, cubed potatoes roasted with olive oil and garlic.</p> <h2>3. Eggs</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/cdn/farfuture/TLlCUD-o5YA39nW-yYvoptDsbgmld7ZgWpayI0hxaDk/mtime:1424398746/files/fruganomics/u5123/sunny%20side%20up%20eggs.jpg" width="605" height="340" alt="" /></p> <p>Worried about your cholesterol? No eggs! That's what we've been told for years, and the cholesterol content in egg yolks has scared away many people who are concerned about their health. Luckily, we've learned over the past 30 years that saturated fat intake has more to do with raising cholesterol levels in the blood than consuming cholesterol from food. <a href="http://www.webmd.com/diet/good-eggs-for-nutrition-theyre-hard-to-beat?page=1">Eggs are incredibly high in protein </a>and have just 75 calories per egg, along with a whole host of nutrients. Balance is key for a healthy diet &mdash; if you have a couple of eggs for breakfast, limit your saturated fat intake for the rest of the day. You should still consult your doctor before adding eggs to your diet if you have high cholesterol.</p> <h2>4. Peanut Butter</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/cdn/farfuture/ghp35i5SzCg3L7GLldSlU4oI6yS8URCOKvmd_d6iqx0/mtime:1424403105/files/fruganomics/u5123/peanut%20butter%20toast.jpg" width="605" height="340" alt="" /></p> <p>At last, you can feed your kid (and yourself) that peanut butter sandwich without worry. Not many people think of this popular nut butter as a health food, but in moderation it can contribute to a healthy diet. <a href="http://www.prevention.com/food/smart-shopping/healthy-eating-why-peanut-butter-good-you">Peanut butter is high in protein and fiber</a>, so even though it's high in calories, it will keep you full for longer and in turn stop you from eating more. It is also rich in vitamin E and magnesium, and studies show that eating nuts or nut butter may help prevent diabetes. Be sure to select a brand that is low in sodium and sugar and has natural ingredients.</p> <h2>5. Alcohol</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/cdn/farfuture/GREQRiFGBCeMXzpHuKDhbUH1EHALk_yz4PzfwSroick/mtime:1424399670/files/fruganomics/u5123/beer%20sampler.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.hsph.harvard.edu/nutritionsource/alcohol-full-story/">Alcohol can be healthy</a>, but self-control is key. An all-night binge session doesn't count as healthy by a long shot, but a glass of wine every night does a body good. A large number of studies have shown that moderate drinking (one drink per day for women, two per day for men) can considerably decrease your risk for cardiovascular diseases. Alcohol can also reduce risk for gallstones and Type 2 diabetes. It's important to remember that if drinking exceeds healthful levels, alcohol swiftly becomes bad for your health. Excessive drinking has the opposite effect, increasing your risk for heart problems and potentially causing major liver trauma.</p> <h2>6. Canned Beans</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/cdn/farfuture/MaeKe6VFQ4fZQqF0kfR9mT_RU7I1KAdizZjb4EBbYZ4/mtime:1424401096/files/fruganomics/u5123/baked%20beans%20can.jpg" width="605" height="340" alt="" /></p> <p>Canned food items have been criticized in recent years due to concerns over <a href="http://www.npr.org/blogs/thesalt/2014/02/26/283030949/government-studies-suggest-bpa-exposure-from-food-isn-t-risky">leakage of the plastic additive BPA</a>. Some also believe that canned products are not as nutritious as their fresh, dried and frozen counterparts. Recent studies have shown that we don't have to pick convenience over health &mdash; BPA has shown to be harmless in normal amounts, and canned beans are <a href="http://healthyeating.sfgate.com/dried-beans-vs-canned-beans-nutritional-values-3026.html">nutritionally comparable to dried beans</a>, with only slightly fewer nutrients. The key is to buy cans with &quot;no salt added&quot; or rinse salted beans well to remove much of the added sodium. Store leftover beans in a container and not in the can.</p> <h2>7. Popcorn</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/cdn/farfuture/3qUQ80jT7o0j9Hv9I3xlNoZazQNn7E6Tde0_CQ_qRwg/mtime:1424401353/files/fruganomics/u5123/popcorn%20pot.jpg" width="605" height="340" alt="" /></p> <p>When thinking about junk food, popcorn is a snack that often comes to mind. High-calorie movie theatre versions laden with fake butter, oil, and salt are to blame. Many microwave brands are also loaded with chemicals and harmful fat. Homemade popcorn, on the other hand, is a whole grain, high in fiber and low in calories. One cup of air-popped popcorn has just 31 calories and zero grams of fat, and contains essential B vitamins and minerals. Try popping some at home for <a href="http://www.livestrong.com/article/399546-how-healthy-is-popcorn/">a healthy snack</a>.</p> <h2>8. Whole Milk and Yogurt</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/cdn/farfuture/3UbGH1yrGQ2b7sIOnVXmJ8pL3hw1Z5Kw3CXnApMKWL4/mtime:1424401668/files/fruganomics/u5123/whole%20milk.jpg" width="605" height="340" alt="" /></p> <p>Because full-fat dairy is high in saturated fat, we've long been told to avoid it. Many people reach for the low-fat and fat-free varieties of milk and yogurt when they visit the dairy aisle. More saturated fat means more body fat, and less means less, right? According to some studies about the <a href="http://www.npr.org/blogs/thesalt/2014/02/12/275376259/the-full-fat-paradox-whole-milk-may-keep-us-lean">impact of full-fat dairy on weight</a>, this may not be true. Subjects that consumed whole milk and dairy were more likely to have a trim waistline than those that didn't. Scientists aren't sure why this is the case, citing feeling satiated or a change in metabolism as possible causes. There is one thing we do know: full-fat organic dairy contains beneficial omega-3 fatty acids, making it a healthy choice when eaten in the right amounts.</p> <p><em>Have you been avoiding any of these allegedly harmful foods?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/laurel-randolph">Laurel Randolph</a> of <a href="http://www.wisebread.com/8-supposedly-unhealthy-foods-that-are-actually-good-for-you">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-foods-scientifically-proven-to-make-you-more-beautiful">7 Foods Scientifically Proven to Make You (More) Beautiful</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-health-foods-that-are-actually-making-you-fatter">10 Health Foods That Are Actually Making You Fatter</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-foods-scientifically-proven-to-increase-your-energy">10 Foods Scientifically Proven to Increase Your Energy</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/great-ways-to-get-calcium">Great Ways to Get Calcium</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/herbal-supplements-know-what-you-re-getting">Herbal Supplements: Know What You’re Getting!</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink Health and Beauty food science healthy food nutrition unhealthy food Tue, 24 Feb 2015 18:00:09 +0000 Laurel Randolph 1302599 at http://www.wisebread.com 9 More Supposedly Healthy Things That Are Actually Hurting You http://www.wisebread.com/9-more-supposedly-healthy-things-that-are-actually-hurting-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-more-supposedly-healthy-things-that-are-actually-hurting-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/cdn/farfuture/HXe0LNZoxeJK3xWzq3Yc8s4qgjHtXB_A9nnc9sbeGPA/mtime:1424260983/files/fruganomics/imagecache/250w/blog-images/man-college-student-homework-library-Dollarphotoclub_70153207.jpg" alt="college student studying" title="college student studying" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>My recent list of <a href="http://www.wisebread.com/10-supposedly-healthy-things-that-are-actually-hurting-you">10 Supposedly Health Things That Are Actually Hurting You</a> was so popular, it got me thinking about even more things that we do for our health &mdash; but shouldn't. The more I learn, the more I think that the safest thing to do is not try to be healthy at all. So please pass the Girl Scout cookies, and I'll be in the TV room, staying healthy.</p> <h2>1. Douching</h2> <p>Although many women see regular douching as an important hygienic measure, the American College of Obstetricians and Gynecologists <a href="http://www.wisebread.com/10-things-you-dont-need-to-clean">recommends against it</a>, warning that it can lead to <a href="http://womenshealth.gov/publications/our-publications/fact-sheet/douching.html">yeast and bacterial infections</a>.</p> <h2>2. Internal Steam Baths</h2> <p>As if the false promises of the douche weren't bad enough, good old Gwyneth Paltrow recently mystified and confused women everywhere by recommending the <a href="http://goop.com/city-guide/infrared-saunas-detox-spas-and-the-best-spots-for-colonics/tikkun-spa/">Mugwort V Steam</a>, a spa treatment that steam cleans the vagina.</p> <p>&quot;The lactobacilli strains that keep vaginas healthy are very finicky about their environment and raising the temperature with steam... is likely not beneficial and is potentially harmful,&quot; <a href="https://drjengunter.wordpress.com/2015/01/27/gwyneth-paltrow-says-steam-your-vagina-an-obgyn-says-dont/">wrote OB/GYN Jennifer Gunter</a>. I guess it's the word of a consciously uncoupled actress against the doctor's &mdash; believe who you will.</p> <h2>3. Coconut Oil</h2> <p>For a while, it was dietary dogma that all fats were bad for you. Then we started hearing about <a href="http://www.wisebread.com/10-fat-filled-foods-you-should-stop-avoiding">health benefits from certain fats</a>, and lately, the golden fat is coconut oil. It is supposed to do everything from burning <em>body</em> fat to killing germs to lowering cholesterol. The truth is, researchers say, a lot more studies are needed before we really know <a href="http://www.webmd.com/diet/features/coconut-oil-and-health">whether eating this saturated fat is a net positive or negative for your health</a>.</p> <p>For now, let's just say that coconut oil may not deliver on the health claims you have heard about, but like all fats, it is guaranteed to provide your body with nine calories per gram. And it's guaranteed to be harder on your wallet than many other oils.</p> <h2>4. Low-Fat Packaged Foods</h2> <p>There are low-fat versions of just about every packaged food nowadays, from soup to cereal to yogurt. But did you ever wonder what food manufacturers do to foods to make them palatable with less fat? Read the ingredients and you may get an eyeful, such as really high amounts of sugar, sodium, or unpronounceable flavor agents.</p> <h2>5. Diet Drinks</h2> <p>Switching from regular Coke to Diet used to be considered a healthy move. And cutting back on the sugar that comes in a soft drink is good for you. But mounting evidence warns that even &quot;natural&quot; artificial sweeteners may be dangerous, primarily due to a link to <a href="http://www.prevention.com/health/healthy-living/artificial-sweeteners-may-contribute-diabetes-and-obesity">diabetes</a>. Artificial sweeteners may damage the microflora in our guts, too, and their super-sweet taste may increase our desire for sweets. Diet soda consumption is also linked to <a href="http://www.prevention.com/health/healthy-living/your-body-diet-soda-infographic">heart attack risk, tooth decay, and other ills</a>.</p> <h2>6. Annual Mammograms Starting at 40</h2> <p>On my 40th birthday, my mother reminded me to make my first mammogram appointment. I didn't, and here's why: New research suggests that women who start annual mammograms at that age expose themselves to an amount of <a href="http://www.prevention.com/health/health-concerns/new-mammogram-guidelines-why-yearly-mammogram-may-be-bad-idea">radiation and stressful false positive results</a> that is not worth the reduction in cancer deaths.</p> <p>Women with a family history of breast cancer or other risk factors are still advised to get the test early and often, but for &quot;a woman with lower risk, it might make sense to start later or screen every other year,&quot; Diana Zuckerman, PhD, president of the National Research Center for Women &amp; Families, told Prevention.</p> <h2>7. Baby Powder</h2> <p>Fortunately, many powders on the market today are no longer made with talc, a mineral product that could cause lung damage if inhaled. But non-talc powders or even plain cornstarch <a href="http://www.drweil.com/drw/u/QAA401185/How-Bad-Is-Baby-Powder.html">can still be inhaled</a>, and women who use talcum powder around their genitals may be putting themselves at <a href="http://www.drweil.com/drw/u/QAA401185/How-Bad-Is-Baby-Powder.html">risk for cancer</a>.</p> <h2>8. Homework</h2> <p>Most parents are annoyed by their kids' homework; it cuts into limited family time and, in many families, leads to endless power struggles. But parents put up with it because it's for the kids' own good.</p> <p>Or is it? A Stanford study concluded that current homework levels &quot;hinder learning, full engagement, and well-being,&quot; by <a href="http://news.stanford.edu/news/2014/march/too-much-homework-031014.html">causing students stress</a> and sleep deprivation, and cutting into time to develop life skills.</p> <p>Sure, you say, but what if the harm caused by homework is offset by its benefits? The thing is, experts are hard pressed to <a href="http://www.news.com.au/lifestyle/parenting/homework-has-no-benefit-for-very-young-children-little-benefit-for-upper-primary-students/story-fnet08ui-1226501851265">prove that homework actually benefits students</a>. <a href="http://www.edutopia.org/no-proven-benefits">At all</a>.</p> <h2>9. Some Sunscreens</h2> <p>Wearing sunscreen outdoors is strongly recommended by dermatologists, and yet doctors warn that <a href="http://www.wisebread.com/sun-screens-can-really-cost-you-by-the-ounce-and-by-the-tumor">some ingredients</a> in <a href="http://www.webmd.com/beauty/sun/sunscreen-safety-labels-ingredients">some sunscreens could be hazardous to your health</a>. The <a href="http://www.ewg.org/2014sunscreen/what-not-to-bring-on-vacation/">Environmental Working Group recommends against</a> spray-on sunscreens, and those that contain oxybenzone or vitamin A.</p> <p><em>What supposedly healthy thing have you learned is actually harmful? Please warn us in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/9-more-supposedly-healthy-things-that-are-actually-hurting-you">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-12"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-simple-ways-to-get-more-exercise-without-working-out">6 Simple Ways to Get More Exercise Without Working Out</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/hungry-have-a-drink">Hungry? Have a drink.</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/people-who-love-their-bodies-never-do-these-17-things-do-you">People Who Love Their Bodies Never Do These 17 Things — Do You?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/healthy-people-have-these-10-things-in-their-homes-do-you">Healthy People Have These 10 Things in Their Homes — Do You?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-foods-scientifically-proven-to-increase-your-lifespan">6 Foods Scientifically Proven to Increase Your Lifespan</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> General Tips Health and Beauty Health risk wellbeing Wed, 18 Feb 2015 12:00:06 +0000 Carrie Kirby 1289909 at http://www.wisebread.com The Alarming Thing I Didn't Know About My Mammogram http://www.wisebread.com/the-alarming-thing-i-didnt-know-about-my-mammogram <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-alarming-thing-i-didnt-know-about-my-mammogram" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/cdn/farfuture/J1eBAxnkIUX77i87M8pJy5ggk8e_cJLPKJt76DZ1eBs/mtime:1423137672/files/fruganomics/imagecache/250w/blog-images/doctor-woman-mammogram-Dollarphotoclub_75519104.jpg" alt="doctor woman mammogram" title="doctor woman mammogram" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><em>&quot;On the day my cancer was so large that it could be felt, it was undetectable on a mammogram.&quot;</em></p> <p>(JoAnn Pushkin, on <a href="https://www.youtube.com/watch?v=Sa5Jq9jXNv8">Mammograms and Dense Breast Tissue with Dr. Andrew Warheit</a>)</p> <p>I want to stop you right now from thinking, &quot;Oh, this is just one of those older-lady things I'll have to deal with.&quot; Wrong. &quot;<a href="http://www.mskcc.org/blog/diagnostic-radiologist-carol-lee-discusses-what-women-should-know-about-breast-density">Dense breasts</a> tend to be more common in younger women and in women with smaller breasts, but anyone &mdash; regardless of age or breast size &mdash; can have dense breasts. Here is my experience.</p> <p>As I was leaving the exam room after my mammogram recently, the technician, whom I have now been seeing for nine years, asked, &quot;Can I give you a hug?&quot; It caught me off-guard, but I didn't think much of it and hugged her. It was only after I was getting into my car that I thought about what an odd thing that was to say.</p> <p>And then I wondered: <em>Had she seen something that made her want to hug me?</em></p> <p>Two days later, my phone rang. It was the radiology office. &quot;I need to schedule you for a mammogram,&quot; the receptionist explained. &quot;I was just there last Friday,&quot; I said, thinking there was a mix-up. &quot;No, um, we need to do another mammogram, and an ultrasound.&quot; I drew a breath, my heart pounding.</p> <p>The receptionist went on to explain that there was an &quot;area of concern&quot; on my right breast, and that because I have very &quot;dense breasts,&quot; the radiologist had recommended additional tests. &quot;Dense breasts?&quot; I was completely unfamiliar with this term. She attempted to explain that this meant it was difficult to see exactly what was on the mammogram, but something was suspicious.</p> <h2>Why Should You be Concerned About Dense Breasts?</h2> <p>According to the Susan G. Komen Foundation, &quot;Women with high breast density are four to five times more likely to get breast cancer than women with low breast density.&quot; Add to that: The number of women who have breast density? 40% to 50%.</p> <p>Yikes.</p> <p>Like me, you may have been going merrily through your annual mammograms, thinking well, that's done, and I'll check it off for another year. What you may not know is that maybe nothing is being found&hellip; because it has not been <em>seen</em>.</p> <h2>What Does It Mean to Have &quot;Dense Breasts&quot;?</h2> <p>Here was the best description that I found: &quot;It's like finding a polar bear in a snowstorm.&quot; Here are <a href="http://ww5.komen.org/BreastCancer/HighBreastDensityonMammogram.html">pictures</a> of what you can see via a mammogram. As you can tell, it gets extremely difficult to see what's what.</p> <p style="margin-left: 40px;"><a href="http://ww5.komen.org/BreastCancer/HighBreastDensityonMammogram.html">Breast density</a> is a measure used to describe the proportion of the different tissues that make up a woman's breasts. Breasts are made up of fat and breast tissue (the milk ducts and lobules, which may be called glandular tissue). Connective tissue helps hold everything place. Breast density is not a measure of how the breasts feel, but rather how the breasts look on a mammogram. It compares the area of breast and connective tissue seen on a mammogram to the area of fat. Breast and connective tissue are denser than fat and this difference shows up on a mammogram.</p> <p>Put another <a href="http://www.healthywomen.org/content/ask-expert/1285/breast-density">way</a>, &quot;Breast density actually refers to how well a <a href="http://www.healthywomen.org/glossary/term/5748">mammogram</a> can 'see' any potential cancers or precancerous conditions within your breasts.&quot;</p> <h2>How Do You Find Out If You Have Dense Breasts?</h2> <p>Ironically, by having a mammogram. That is your starting place.</p> <p>Having been down this road, I would even ask the technician, during your mammogram, if you have dense breasts. My second technician was very open to my questions during both the mammogram and ultrasound, and let me see the screens. I imagine, though, that may not be office policy everywhere.</p> <p>Once you have had a mammogram, what should you do?</p> <p>&quot;Your next step,&quot; advises a breast health advocacy group Are You Dense, &quot;is to <a href="http://www.areyoudense.org/">request a copy</a> of your mammography report from your referring doctor. Make sure it is the report that is generated from the radiologist and not a form letter. Read the report carefully. Look for descriptions of your breast tissue.&quot;</p> <p>If your results are not clear to you from the report, contact your physician and ask for a further explanation.</p> <p>Unfortunately, you cannot assume that you will be informed if you do have dense breast tissue, as not all states have passed legislation requiring notification. (Check your state <a href="http://www.areyoudenseadvocacy.org/dense/">here</a>.)</p> <h2>What If I DO Have Dense Breasts?</h2> <p>Hopefully, by reading this post, you will be armed with information (I wasn't educated about density, which lead me to feel very anxious and upset). What to do:</p> <ul> <li>Obtain a copy of your mammogram report. (I thought <a href="http://www.breastdensity.info/docs/DENSITY-SCENARIOS-FOR-CLINICIANS.pdf">this paper</a>, designed for clinicians, was helpful in understanding degrees of density and clinical recommendations.)<br /> &nbsp;</li> <li>Speak with your physician, paying special attention to your family history and lifestyle.<br /> &nbsp;</li> <li>Be ready for further testing, including ultrasound and/or MRI, if indicated. In my case, because there was a suspicious area, I had a second mammogram and an ultrasound. Fortunately, my insurance company paid for both tests.<br /> &nbsp;</li> <li>Don't panic, but do be proactive.</li> </ul> <p>My radiologist's letter stated:</p> <p style="margin-left: 40px;">&quot;Remember that if a woman has an area of the breast that needs further work-up, the vast majority of the time, the findings will not be cancer. Even when a biopsy is needed, the majority of the time, the diagnosis is not cancer.&quot;</p> <p>Although my finding was &quot;likely benign,&quot; my tests will be repeated in six months, which is fine by me.</p> <h2>What Causes Dense Breasts?</h2> <p>Somewhat disturbingly, things get vague, here. Some attribute it to rising estrogen levels, genetics, or postmenopausal hormone therapy, although there isn't much agreement.</p> <h2>Learning More</h2> <p>Read the very compelling story of <a href="http://www.areyoudense.org/worxcms_published/stories_page13.shtml">Nancy Cappello, Ph.D</a>, a Stage 3c breast cancer survivor. She received her diagnosis only two months after her annual mammogram came back as &quot;normal.&quot; Her website, <a href="http://www.areyoudense.org/">areyoudense.org,</a> contains many eye-opening testimonials from women who have dense breasts.</p> <p>There is a fine line between being an alarmist and educating someone when it comes to health care. My hope, honestly, is that I frightened you enough to make you be proactive.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/marla-walters">Marla Walters</a> of <a href="http://www.wisebread.com/the-alarming-thing-i-didnt-know-about-my-mammogram">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-13"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/financial-iq-test-how-healthy-is-your-health-care-plan">FINANCIAL IQ TEST: How Healthy Is Your Health Care Plan?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/signing-up-for-obamacare-in-2015-heres-whats-new">Signing Up for Obamacare in 2015? Here&#039;s What&#039;s New</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-surprising-places-to-find-deals-on-health-care">4 Surprising Places to Find Deals on Health Care</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/free-prostate-cancer-prevention-readily-available">Free Prostate Cancer prevention readily available</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/buying-individual-dental-insurance-online-my-experience">Buying Individual Dental Insurance Online: My Experience</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty breast cancer cancer health care Thu, 05 Feb 2015 12:00:09 +0000 Marla Walters 1285464 at http://www.wisebread.com Going Without Health Insurance in 2015? Here's What It'll Cost You http://www.wisebread.com/going-without-health-insurance-in-2015-heres-what-itll-cost-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/going-without-health-insurance-in-2015-heres-what-itll-cost-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/cdn/farfuture/Zt8DxBVnFrr72z0Cy_eVTGbcmU1Ltoy_ShMz8XgwnNM/mtime:1422972008/files/fruganomics/imagecache/250w/blog-images/healthcare-stethoscope-money-Dollarphotoclub_64769213.jpg" alt="stethoscope money" title="stethoscope money" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The ACA. Obamacare. The Affordable Care Act. Whatever you call it, your finances will almost certainly be affected by it, especially if you choose <em>not</em> to be covered by an approved plan in 2015. While many taxpayers are just now starting to feel the pinch of opting out in 2014, the penalties for this year are much stiffer.&nbsp;</p> <p>Here's what you need to know</p> <h2>How Much Are the Fines?</h2> <p>Straight from the <a href="https://www.healthcare.gov/fees-exemptions/fee-for-not-being-covered/">Healthcare.gov website</a>, the penalty or &quot;tax&quot; for 2015 is either:</p> <ul> <li>2% of your yearly household income over the tax filing threshold (usually anything over $10,000 for an individual); or<br /> &nbsp;</li> <li>$235 per adult and $162.50 for each child under 18.</li> </ul> <p>The government wants you to pay the higher of the two amounts, but the maximum for option one can't exceed the &quot;national average premium for a bronze plan.&quot; Just what is that number? For 2014, the average was $204 per person per month or $1020 per month for a family of five or more. The national average for 2015 won't be known until the end of 2015, but the <a href="http://www.washingtontimes.com/news/2014/oct/18/obamacare-bronze-plan-premiums-expected-jump-14-20/">Washington Times states</a> it could go up by as much as 14% in some parts of the country.</p> <p>The maximum for option two can't exceed $975.</p> <h2>How Are the Fines Paid?</h2> <p>Since the health care law is enforced strictly through the IRS, it's quite simply a &quot;tax&quot; thing. If you don't make enough to file (under $10,000 in most cases), you wouldn't pay a fine, anyway. If you do file, you'll have a place to indicate your penalty on your return, and that amount will come off your refund (or you'll have to pay in, like any other tax owed). All major tax filing software services have been updated accordingly to help you fill out the right forms and make paying the fine just a part of the tax process.</p> <h2>Can I Get Out of the Fine?</h2> <p>In a word: yes. But it may take some work. People covered by an ACA or another plan that is considered &quot;minimum essential coverage&quot; don't have to pay.</p> <p>Others are exempt from fine if they had coverage for more than nine months of the year, are a member of a federally recognized tribe, have coverage through a health care sharing ministry, or have religious objections to insurance (including Medicare and Social Security). You can also avoid fines if you are in jail during most of the year or aren't in the U.S. lawfully or face certain financial hardships.</p> <h2>What If I Can't Afford Insurance or the Fine?</h2> <p>If the lowest-priced coverage would cost more than 8% of your household income, you can get an exemption. Additional <a href="https://www.healthcare.gov/fees-exemptions/hardship-exemptions/">examples of hardship</a> that may qualify for an exemption include:</p> <p>1. Being homeless;<br /> 2. Eviction or foreclosure;<br /> 3. Facing shut-off from your utility company;<br /> 4. Experiencing domestic violence;<br /> 5. Experience the death of a family member;<br /> 6. Suffering substantial loss due to a fire, flood, or other natural or human-caused disaster;<br /> 7. Filing for bankruptcy;<br /> 8. Being unable to pay medical expenses that resulted in substantial debt;<br /> 9. Experiencing increases in necessary expenses due to caring for an ill, disabled, or aging family member.</p> <p>There are also exemptions that can be granted due to changes in your state's Medicaid and CHIP programs, cancellation of your individual policy, and your difficulty in getting insurance.</p> <p>Note that all of these require you to fill out an application that can take weeks or months to approve. In the meantime, if you fail to get covered and your application is denied, you will still be held liable for any penalties earned during that time. It's is also suggested that you don't wait until the end of 2015 to apply for the exemption if you have proof of hardship now.</p> <h2>Should I Ever Choose to Pay the Fine?</h2> <p>That's really a personal decision, but I will say that there have been instances where you may owe less by simply paying fines. If you are a healthy adult that can get approved for a traditional pre-ACA plan without pre-existing conditions, you may be eligible for a short-term plan. These plans don't offer some of the benefits required by Obamacare, including maternity coverage or certain free preventative services. They are, however, more in line with pre-ACA pricing for premiums, and many have much lower deductibles and premiums than the subsidized plans offered on the exchange. These plans are good for 3-12 months and make you subject to ACA fines, but may still cost less after fines than better plans on the exchange.</p> <p>All of this will change again in 2016, with another increase in fines, so you'll need to stay abreast of developments. With open enrollment ending soon, however, whatever choice you make should be done without delay.</p> <p><em>Will you get insurance or pay the fine this year?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> of <a href="http://www.wisebread.com/going-without-health-insurance-in-2015-heres-what-itll-cost-you">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-14"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dont-fall-for-these-common-obamacare-scams">Don&#039;t Fall for These Common Obamacare Scams</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/signing-up-for-obamacare-in-2015-heres-whats-new">Signing Up for Obamacare in 2015? Here&#039;s What&#039;s New</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-spend-your-last-minute-health-care-fsa-funds">8 Ways to Spend Your Last-Minute Health Care FSA Funds</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-vital-things-to-remember-when-buying-health-insurance">5 Vital Things to Remember When Buying Health Insurance</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-take-advantage-of-obamacare-for-less-financial-risk-and-more-freedom">How to Take Advantage of Obamacare for Less Financial Risk and More Freedom</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Insurance ACA health care health insurance insurance IRS obamacare taxes Tue, 03 Feb 2015 14:00:07 +0000 Linsey Knerl 1284842 at http://www.wisebread.com 7 All Natural Home Remedies for Colds http://www.wisebread.com/7-all-natural-home-remedies-for-colds <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-all-natural-home-remedies-for-colds" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/cdn/farfuture/Mm0GFdezq1Ot8i2zanEW2HIAE8S83R6qmeP8xuA0crw/mtime:1422633719/files/fruganomics/imagecache/250w/blog-images/homemade-miso-soup-Dollarphotoclub_76459071.jpg" alt="homemade miso soup" title="homemade miso soup" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>My husband is a high school English teacher. My daughter is in her first year of preschool. Sickness is a way of life for us with so much exposure to germs. In fact, we just got over a full month of passing around two nasty cold viruses. (See also: <a href="http://www.wisebread.com/12-natural-remedies-for-stomach-pain?ref=seealso">12 Natural Remedies for Stomach Pain</a>)</p> <p>Here are some helpful cold remedies that won't send you running to the store, as you likely have most of the ingredients sitting around in your kitchen cabinets. The best part? They're all drug-free!</p> <h2>1. Miso Broth</h2> <p>From upset stomach to coughs and colds, this delicious <a href="http://vibrantwellnessjournal.com/2012/11/08/healing-with-miso/">Miso Soup</a> doubles as a cure and healthy meal option. Miso is made from fermented soy and rice, and it's full of good-for-you living enzymes, vitamins, minerals, and amino acids. My husband skips the veggies and simply warms a few cups of water on the stove. He then dissolves a tablespoon or two of miso in it and sips all day long.</p> <h2>2. Veggie Broth</h2> <p>You don't need to go out and buy miso if you don't have it already. Instead, try this <a href="http://faithfulprovisions.com/natural-healing-broth/">Healing Broth</a> that combines the goodness of garlic, ginger, lemon, cloves, and cayenne pepper. And water for hydration, of course. Simmer on the stove and strain before drinking. The cayenne pepper acts like an expectorant and helps get all the gunk out of your system.</p> <h2>3. Garlic Snack</h2> <p>I love how garlic tastes minced in olive oil. But did you know garlic is a <a href="http://thechalkboardmag.com/would-you-wouldnt-you-gnaw-raw-garlic-for-cold-flu-season">powerful antioxidant</a> with antimicrobial, antiviral, and antibiotic properties? In other words, it's great for fighting cold and flu viruses. You can munch on a whole clove to get the benefits. For those of you with sensitive stomachs, try mincing garlic and letting sit with some olive oil and honey before eating on a cracker.</p> <h2>4. Vapor Rub</h2> <p>Or try mixing together some <a href="http://www.neverhomemaker.com/2014/10/homesteading-natural-vapor-rub.html">DIY Vapor Balm</a> &mdash; much like the popular ones on the market &mdash; using olive oil, beeswax, and essential oils (peppermint and eucalyptus). This balm is wonderful for easing chest congestion and discomfort. The benefit here is knowing exactly what you're rubbing into yourself. You can also make different strengths to suit all your family members by adding more or less essential oils.</p> <h2>5. Salt Gargle</h2> <p>Most of us know about the mighty <a href="http://www.healing-oceans-family-wellness-center.com/salt-water-gargle.html">Salt Gargle</a> to relieve scratchy, sore throats and wash away germs. But are you doing it correctly? Combine &frac12; to &frac34; teaspoon salt with one warmed cup of pure water. Chlorinated tap water will irritate your throat, so skip that in favor of something filtered. Or you can dechlorinate water by leaving it out in the open for 24 hours.</p> <h2>6. Apple Cider Vinegar Drink</h2> <p>My family has long used unfiltered apple cider vinegar as a cold cure. It's pretty darned effective at <a href="http://homeremediesforlife.com/apple-cider-vinegar-sinus-infection/">thinning mucus</a> and clearing out sinuses. Dilute two to four tablespoons of ACV into one cup of warm filtered water (same reason to avoid tap water, as explained above) and add raw honey for taste if you like. Drink up four to six times a day to help kill bacteria and soothe your sore throat. (See also: <a href="http://www.wisebread.com/12-awesome-ways-to-use-apple-cider-vinegar?ref=seealso">12 Awesome Ways to Use Apple Cider Vinegar</a>)</p> <h2>7. Honey Coat</h2> <p>Honey is an effective, natural cough suppressant. So, skip the pricey cough drops and syrups and use this mixture of <a href="http://www.reformationacres.com/2014/11/homemade-medicine-made-simple-sweet-lemon-honey-thyme-cough-syrup-recipe.html">honey and lemon</a> instead. Combine a half cup of honey with half a lemon, two cups of water, and some fresh or dried thyme leaves. Store this homemade syrup in your refrigerator for around a month.</p> <p><em>What are your flu-season go-to home remedies? Please share a dose in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/7-all-natural-home-remedies-for-colds">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-15"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-is-what-it-really-costs-to-get-sick">This Is What It Really Costs to Get Sick</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-easy-back-exercises-that-will-help-eliminate-pain">10 Easy Back Exercises That Will Help Eliminate Pain</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-more-supposedly-healthy-things-that-are-actually-hurting-you">9 More Supposedly Healthy Things That Are Actually Hurting You</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-new-face-of-poverty-is-fat">The new face of poverty is fat</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-travel-this-holiday-season-without-getting-sick">How to Travel This Holiday Season Without Getting Sick</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty colds cures Health home remedies illness Fri, 30 Jan 2015 16:00:14 +0000 Ashley Marcin 1283630 at http://www.wisebread.com