Monday, April 27, 2015

The Family who Eats Together Stays Together

by Anne Fishel, Ph.D

The Importance of Eating Together
Why should we eat dinner together more often?
Most American families are starved for time to spend together, and dinner may be the only time of the day when we can reconnect, leaving behind our individual pursuits like playing video games, emailing and doing homework. Dinner is a time to relax, recharge, laugh, tell stories and catch up on the day’s ups and downs, while developing a sense of who we are as a family.
 
Do family dinners have any scientific benefits?
Over the past 15 years researchers have confirmed what parents have known for a long time: sharing a family meal is good for the spirit, the brain and the health of all family members. Recent studies link regular family dinners with many behaviors that parents pray for: lower rates of substance abuse, teen pregnancy and depression, as well as higher grade-point averages and self-esteem. Studies also indicate that dinner conversation is a more potent vocabulary-booster than reading, and the stories told around the kitchen table help our children build resilience. The icing on the cake is that regular family meals also lower the rates of obesity and eating disorders in children and adolescents. What else can families do that takes only about an hour a day and packs such a punch?
 
Finding Time
How many nights a week should we try to eat dinner together?
Researchers find that families who eat dinner together five nights a week reap great benefits, but there is no magic number, nor is dinner inherently preferable to other meals.  If your family finds breakfast or weekend lunches easier meals for a gathering, then these could also “count.”
 
We’re just so busy.  How can we find the time to cook and eat together?
Time is certainly one of the biggest obstacles to families gathering for dinner. One good strategy is to cook a big batch of soup or a double batch of a casserole over the weekend, and then freeze some to make weekday dinners easier. Some meals can be thrown together quickly with help from store-bought ingredients, like pre-cut veggies, or a pre-made pizza dough.  There are also many recipes that take less than 15 minutes.  Please see the Food section of our website for ideas.
If you think of family dinner as a time to nourish your family, prevent all kinds of problems, increase your children’s cognitive abilities, and provide pleasure and fun that they can build on for the rest of their lives, a nightly meal is an efficient use of time.
 
Is it wrong to eat dinner in front of the television?
Making a steady diet of eating family dinners in front of the TV would certainly interfere with the pleasures and benefits of conversation. Researchers have found that meals eaten in front of the TV do not carry the same mental health benefits as those eaten “unplugged.” Certainly, it would be fine occasionally to watch a special program while eating a family meal.  In addition, talking about a program as a family could provide benefits as well.
 
Food and Cooking
As long as we sit together and eat, does it really matter what we’re eating?
I think it’s hard to argue with the idea that feeding your family nutritious food is a good idea! This not only makes your children healthier as they grow right now, but it encourages healthy eating once they are living on their own. Some families enjoy experimenting with different menus, others like keeping a routine so that Monday night is for pasta, Tuesday for tortillas and so on. Some children like to share in the menu planning and the cooking, so the food becomes a central part of the family’s identity. For other families, the food is really secondary to other aspects of the meal, like the conversation.
 
How much help should I reasonably expect from my family in preparing dinner?  In cleaning up?  Do I have to do this all myself?
Most children like to help and should be encouraged to do so. The trick is figuring out which tasks are developmentally right for your child. Even young children can be asked to sprinkle a seasoning, stir a stew, or rinse vegetables. Elementary-aged kids can set and clear the table, pour the drinks and be involved in some food preparation.
 
Many adolescents view cooking as an avenue of self-expression and may relish the idea of making a meal or a portion of a meal. Sharing in all the tasks of dinner—grocery shopping, menu planning, cooking, serving and cleaning up—only makes this more of a family event. If someone is feeling overburdened, the roles and tasks should be reexamined and distributed more equitably. Everyone’s dinner will be enhanced by more members contributing and by no single member feeling resentful.
 
What types of meals should I make to get my kids more involved in dinner?
Prepare a meal that gives kids something to do. For example, my children loved to pull the basil leaves off their stems. To make a quick pesto sauce, we’d put them into a food processor with a clove of garlic, salt, Parmesan cheese and olive oil. Any meal that calls for ingredients that kids can peel, mash, or sprinkle is a good one.
 
Simple dishes that kids can customize also encourage participation. Parents might make crepes, tacos, or even a pot of chicken rice soup, which kids can add their favorite toppings to, like chopped carrots or peppers, roasted garlic or sliced cheese.
 
It’s also fun to choose foods that are brightly colored, like the colors in their crayon boxes. This is eye-catching and makes dinner preparation even more interesting.

Thursday, April 23, 2015

Scared of Public Speaking? You are not alone.

6 Facts about Public Speaking Anxiety

If you are like most people, you get butterflies in your tummy before you have to make a speech or do any type of public speaking.  Here are some helpful tips on how to break down the barriers of that fear.

1. Public Speaking remains the #1 phobia.
  1. Glossophobia – Public Speaking
  2. Necrophobia – Fear of Death
  3. Arachnophobia – Fear of Spiders
  4. Achluphobia – Fear of Darkness
  5. Acrophobia – Fear of Heights
What this means to you –  Even many speakers have this fear. But they still speak.
 
2. Social phobias, regardless of which they are, begin with shyness in childhood. They progress when not addressed.
 
What this means to you – Speaking anxiety gets worse unless you break it down; children can learn public speaking skills. So can adults.
 
3. While fear of public speaking is common, it leads to lack of success when we do nothing about it.
It keeps us from speaking up in meetings even when we have ideas and progress to share. It keeps us from networking and building new relationships beneficial to us and others. And it keeps us from seeing ourselves as able to teach, train, influence and motivate in our work environment, in court and within our professional network. Instead, it pigeonholes us into mediocrity.
 
What this means to you – get past it.
 
4. Three out of four individuals suffer from speech anxiety.
Yep, that’s a whopping 75% of us. That includes extroverts. Take the following test to determine where you stand with speech anxiety.
 
5. Women and men are equally affected with public speaking anxiety.
Does this surprise you? The demographics are 50/50 with male and female working to improve their confidence.
 
What we’re used to hearing is that speaking anxiety is high. Not that we work to break down our barriers. But we do. So can you.
 
6. More men than women seek assistance with speaking anxiety.
My hope is the more women professionally develop themselves, this fact will change. Although men seek out individual support on their own, women readily agree to be coached when given the encouragement.
 
For more information:

Tuesday, April 21, 2015

Friday, April 17, 2015

Gluten Free Food List

No Thought Required Gluten Free Food List

Gluten Free Gigi
My No Thought Required Gluten Free Food List for healthy gluten free eating is intended to highlight nutritious foods you can feel safe consuming today, even if this is your first day living gluten free.
 
In fact, you probably already have many of these naturally gluten free foods at home in your fridge or pantry.

Some tips to remember when selecting foods on a gluten free diet are:

  • Read food labels carefully because even foods like frozen vegetables can contain gluten if they have a sauce or sauce packet included.
  • Even if you have bought a product many times before and know it to be gluten free, ALWAYS read the label before each purchase. Manufacturers and food producers change recipes and formulations without our knowing, so even if you’ve eaten a particular food safely for some time, it is always wise to check the label each time prior to consuming it, just in case the recipe has changed.
  • Be especially careful when it comes to marinades and seasonings on pre-packaged meats – many contain gluten and other potential allergens, such as dairy, egg, soy (usually in the form of oil in a marinade), etc.
  • Buy fruits, vegetables and meats in their natural state (nothing at all added) whenever possible.
  • Remember current food labeling laws do not require manufacturers to list “gluten” in allergen or “contains” statements (only wheat is required because it is one of the top eight food allergens; gluten is not). Even if you do not see “wheat” in the allergen statement, still read the ingredients carefully for signs of gluten.
  • Be aware of the risk of cross-contamination with foods manufactured on shared equipment or in a non-dedicated facility. For example, corn meal is by definition gluten free; however, many companies manufacture corn meal in the same plant on the same equipment where wheat flour is processed. This is why certified gluten free products are best.
  • Steer clear of buying from bulk bins. While foods like dry beans, grains, dried fruits and nuts are often less expensive in bulk form, the risk of cross-contamination is significant in these items. Again, certified gluten free is always best.

GRAINS, FLOURS and Starches (make sure these are certified GF)

  • Rice (white or brown)
  • Rice flour (white or brown)
  • Quinoa (several color varieties available including traditional “white” as well as red, black and orange)
  • Nut flours (almond meal, chestnut flour, cashew flour, etc.)
  • Cornstarch, Cornmeal, & Polenta (If you are concerned about GMO products, be sure to locate a gluten-free, non-GMO certified brand.)
  • Potato starch & flour (These are not the same ingredient. Learn the difference HERE.)
  • Millet & Millet flour
  • Sorghum flour (If you are allergic to some grasses, you may also be allergic to sorghum.
  • Teff
  • Tapioca flour (This is actually a starch.)
  • Soy flour
  • Pea & Bean flours (Green or yellow pea, fava bean flour, garbonzo bean flour, etc.; note, while pea flours do not add a flavor to baked goods, green pea flour will add a distinct green color; bean flours impart a distinct bean flavor some are not excited about.)
  • Amaranth
  • Certified gluten-free Oats only
  • Arrowroot flour (This is a starch.)

DAIRY

  • Milk
  • Cheese (without added flavorings that may contain gluten; check labels on blue cheese, as some is cultured from wheat bread.)
  • Butter
  • Yogurt (without extras like oats, cookie bits, etc., that may contain gluten)

DAIRY ALTERNATIVES

  • Plant-based milks like coconut, rice and almond milks (read labels carefully)
  • Daiya Vegan “cheese” shreds, wedges and slices
  • Coconut or Soy Milk cultured products (“yogurts”)

FRUITS, VEGGIES, PROTEINS

  • Fresh, frozen, or canned fruits & vegetables
  • Meats with no added seasonings, sauces, or gravies
  • Seafood with no added seasonings, sauces, or gravies
  • Nuts & nut butters (without added flavorings)
  • Eggs

SEASONINGS & CONDIMENTS

  • Lemon or lime juice
  • Salt & pepper
  • Herbs & spices (make sure you’re buying the whole herb and grinding your own, or purchasing pre-ground from a trusted source)
  • Condiments like ketchup, mustard (read labels on blended mustard products), mayonnaise (again, read the label, most mainstream brands are safe)
  • Wine (check labels on blended wines, ciders, and wine coolers – malt is not safe)
  • Vinegar (most are fine; check labels on flavored vinegars; AVOID malt vinegar, as malt is derived from barley, which is a gluten grain.)
  • Oils (Be sure to check labels on oils with added ingredients or those infused with flavorings.)
  • Coconut Aminos (as a soy sauce replacement)
  • Kimchi

Tuesday, April 14, 2015

No Smoking!

More and more communities are banning the smoking of cigarettes in or around their buildings and sometimes even inside your apartment or condo.  So what better time to quit!  If you need more incentive to quit smoking, here are some reasons that you may not know about.

Alzheimer's Disease: Smoking Speeds Up Mental Decline
In the elderly years, the rate of mental decline is up to five times faster in smokers than in nonsmokers, according to a study of 9,200 men and women over age 65.

Lupus: Smoking Raises Risk of Autoimmune Disease      
Smoking cigarettes raises the risk of developing lupus -- but quitting cuts that risk, an analysis of nine studies shows.
 
SIDS: Maternal Smoking Doubles Risk
Smoking increases the risk of sudden infant death syndrome, or SIDS, a European analysis shows.

Colic: Smoking Makes Babies Irritable, Too      
Exposure to tobacco smoke may increase babies' risk of colic, according to a review of more than 30 studies on the topic.
Colic affects an estimated 5%-28% of babies born in Western countries. Its causes have been attributed to everything from exposure to cow's milk proteins to feeding difficulties to maternal depression or anxiety.
 
An Increased Risk of Impotence
Guys concerned about their performance in the bedroom should stop lighting up, suggests a study that linked smoking to a man's ability to get an erection. The study of nearly 5,000 Chinese men showed that men who smoked more than a pack a day were 60% more likely to suffer erectile dysfunction, compared with men who never smoked cigarettes.
 
Blindness: Smoking Raises Risk of Age-Related Macular Degeneration
Smokers are four times more likely to become blind because of age-related macular degeneration than those who have never smoked.
Rheumatoid Arthritis : Genetically Vulnerable Smokers Increase Their Risk Even More      
People whose genes make them more susceptible to developing rheumatoid arthritis are even more likely to get the disease if they smoke.  In fact, certain genetically vulnerable smokers can be nearly 16 times more likely to develop the disease than nonsmokers without the same genetic profile.
 
Snoring: Even Living With a Smoker Raises Risk
Smoking - or living with a smoker -- can cause snoring, according to a study of more than 15,000 men and women.
Even nonsmokers were more likely to snore if they were exposed to secondhand smoke in their homes. Almost 20% of these nonsmokers snored, compared with nearly 13% who had never been exposed to secondhand smoke at home.
Acid Reflux: Heavy Smoking Linked to Heartburn      
People who smoke for more than 20 years are 70% more likely to have acid reflux disease than nonsmokers.
 
Breast Cancer: Active Smoking Plays Bigger Role Than Thought
Other research out in 2004 shows that active smoking may play a much larger role in increasing breast cancer risk than previously thought.The prevalence of breast cancer among current smokers was 30% higher than the women who had never smoked -- regardless of whether the nonsmokers had been exposed to secondhand or passive smoke.
 

Friday, April 10, 2015

Summer Camps on The Peninsula

If you are like me, you are scrambling to come up with a summer game plan.  Do you hire a nanny?  Do you take your kids to work?  Does grandma take care of them while you are at work?  Or are you like 1000's of parents in the Bay Area and go the Summer Camp route? 
 
Once you start looking, you can't stop as every city, county and school has some sort of camp.  They not only vary in activities provided for your child, but also greatly in price. 
 
This article from Bay Area Kid Fun's website is super helpful!
 
 
Good luck and don't forget to pack sunscreen.
 

Wednesday, April 8, 2015

Self Made Billionaires

There Are More Self-Made Billionaires In The

Forbes 400 Than Ever Before   (2013 stats)

Over the past 30 years, the origin of the wealth of the richest people in the United States has shifted away from old, inherited money.  Our new metric, the self-made scores developed for the Forbes 400, shows that increasingly we find self-made billionaires among the ranks of the richest people in the country.  This has accompanied the incredible increase in wealth of the members of the Forbes 400, which has jumped 1,832% times since 1984, when the total net worth of our list was $125 billion, compared with $2.29 trillion today.
 
The figures show an unequivocal shift from inherited fortunes to self-made fortunes.  In 1984, the first year for which we have crunched the numbers, we found that nearly one-fourth of the members of the Forbes 400 inherited their fortunes and weren’t doing anything to grow them.  More specifically, 24.75% of the billionaires on our list were ranked as 1s (click here for a breakdown of how our rankings work).
 
At the same time, only 2.5% were ranked as 10s, or absolute bootstrappers.  To qualify as a 10, a member of the Forbes 400 had to have been raised in a poor household, and have endured extreme duress.  
 
If we take a broader look, we can see that the percentage of inherited fortunes, including those that have grown substantially at the hands of later generations, represented the majority of the Forbes 400.  Counting everyone with scores between 1 and 5, we find 57.25% of the members of the Forbes 400 in 1984, meaning 42.75% made it themselves to varying degrees (scores 6 through 10).
The trend began to break down in 1994, when we saw an equal number of inherited and self-made billionaires, but at the extreme, it was still totally skewed.  Our percentage of 1s stood at 17.75%, compared to 3% for 10s (absolutely self-made).
 
Already in the 2000s, our data finally showed a greater proportion of self-made billionaires.  In 2004, we had 59% of the Forbes 400 having made their own fortune, as opposed to 41% who inherited it.  But, again, at the extremes we still saw a full one-tenth of the list, or 40 of them, having fully inherited their fortunes and not working to grow it, and only 4.75% of them, or 19, as totally self-made, having battled adversity to reach the top.
 
Thus, the most encouraging results come from this year’s Forbes 400.  For the first time in our data set, we see the number of self-made billionaires who rose from nothing, and overcame various tough obstacles, outpacing those that just sat on their fortunes.  A total of 34 billionaires, or 8.5%, scored as 10s, or more than three times as many as in 1984.  The number of 100% inherited fortunes as a percentage of the total fell to 7%, with 28 billionaires in the 1 category, compared to 99 back in 1984.
While our self-made scores aren’t a perfect measure, they do shine a light on an interesting story: more and more, the richest people in the country have worked hard, in an incredibly difficult context, to earn a spot in the Forbes 400.  And while it is a known fact that the wealthiest have amassed a greater proportion of the nation’s output than the rest, the self-made scores demonstrate social mobility is indeed possible.


Money Money Money

Monday, April 6, 2015

I owe Uncle Sam money . . . now what?

While the majority of Americans get a tax refund from the Internal Revenue Service each year, there are many taxpayers who owe and some who can’t pay the tax all at once.   The IRS has a number of ways for people to pay their tax bill.

Here are ten tips for taxpayers who owe money to the IRS.
  1. Tax bill payments If you get a bill this summer for late taxes, you are expected to promptly pay the tax owed including any penalties and interest.  If you are unable to pay the amount due, it is often in your best interest to get a loan to pay the bill in full rather than to make installment payments to the IRS.
  2. Additional time to payBased on your circumstances, you may be granted a short additional time to pay your tax in full. A brief additional amount of time to pay can be requested through the Online Payment Agreement application at www.irs.gov or by calling 800-829-1040.
  3. Credit card payments You can pay your bill with a credit card. The interest rate on a credit card may be lower than the combination of interest and penalties imposed by the Internal Revenue Code. To pay by credit card contact one of the following processing companies: Link2Gov at 888-PAY-1040 (or www.pay1040.com), RBS WorldPay, Inc. at 888-9PAY-TAX (or www.payUSAtax.com), or Official Payments Corporation at 888-UPAY-TAX (or www.officialpayments.com/fed). 
  4. Electronic Funds Transfer You can pay the balance by electronic funds transfer, check, money order, cashier’s check or cash.  To pay using electronic funds transfer, use the Electronic Federal Tax Payment System by either calling 800-555-4477 or using the online access at www.eftps.gov.
  5. Installment Agreement You may request an installment agreement if you cannot pay the liability in full. This is an agreement between you and the IRS to pay the amount due in monthly installment payments. You must first file all required returns and be current with estimated tax payments.
  6. Online Payment Agreement If you owe $25,000 or less in combined tax, penalties and interest, you can request an installment agreement using the Online Payment Agreement application at www.irs.gov.
  7. Form 9465 You can complete and mail an IRS Form 9465, Installment Agreement Request, along with your bill in the envelope you received from the IRS.  The IRS will inform you (usually within 30 days) whether your request is approved, denied, or if additional information is needed.
  8. Collection Information Statement You may still qualify for an installment agreement if you owe more than $25,000, but you are required to complete a Form 433F, Collection Information Statement, before the IRS will consider an installment agreement.
  9. User fees If an installment agreement is approved, a one-time user fee will be charged.  The user fee for a new agreement is $105 or $52 for agreements where payments are deducted directly from your bank account.  For eligible individuals with lower incomes, the fee can be reduced to $43.
  10. Check withholding Taxpayers who have a balance due may want to consider changing their W-4, Employee’s Withholding Allowance Certificate, with their employer. A withholding calculator at www.irs.gov can help taxpayers determine the amount that should be withheld.
For more information about the Fresh Start initiative, installment agreements and other payment options visit www.irs.gov.  IRS Publications 594, The IRS Collection Process, and 966, Electronic Choices to Pay All Your Federal Taxes, also provide additional information regarding your payment options. These publications and Form 9465 can be obtained from www.irs.gov or by calling 800-TAX-FORM (800-829-3676).

Links:
Publication 594, The IRS Collection Process ( PDF)
Publication 966, Electronic Choices to Pay All Your Federal Taxes ( PDF)
Form 9465, Installment Agreement ( PDF)

Friday, April 3, 2015

How to file a federal tax extension

Thanks to Turbo Tax for this great information:

How to file a federal tax extension

Option 1. EFile your tax extension online in minutes with TurboTax Easy Extension
File an extension and pay any income tax due by April 15 using our TurboTax Easy Extension web service. With TurboTax Easy Extension, you can:
  • Efile your federal extension
  • Print a PDF copy of the extension you efiled
  • Log into your Easy Extension account to see when your extension has been accepted by the IRS
  • Access the forms you need to file a state extension by mail.
Option 2. Print the IRS extension form, fill it out by hand, and mail it to the IRS
Refer to IRS Form 4868: Application for Automatic Extension of Time to File U.S. Individual Income Tax Return. Print the form and instructions. Fill out the form and send it to the IRS address for your state.
If you owe federal taxes, include your payment with your Form 4868 and mail it—postmarked by April 15, 2015. (If you don't make a payment for the taxes due, you could be liable for penalties and interest, even if you've filed for an extension.) Then complete and file your return on or before October 15, 2015.
Need to use a credit card to pay taxes owed?
If you've efiled or mailed Form 4868 and need to pay by credit card, you can use one of several IRS approved Electronic Payment Methods. You can pay with your credit card online or by phone. File your complete return by October 15, 2015.

Cautions

  • If the IRS thinks your estimate of the amount of tax you owe is unreasonable, it may disallow your tax extension and assess a late-filing penalty.
  • If you underestimate the amount of tax you owe, you'll have to pay interest on whatever amount you fail to pay by April15.
  • If you pay less than 90% of the tax you owe, you'll end up owing a penalty of 0.5% of the underpayment every month until you pay the balance. For example, if you pay $600 on April 17, but discover when you complete your return that you really owe $1,000, you will owe 0.5 percent per month on the $400 that is overdue, or about $2 a month, until you pay the balance in full.

If you live outside the United States

If you live outside the United States, you may be able to get an extension by filing IRS Form 2350: Application for Extension of Time to File U.S. Income Tax Return if you believe you will qualify for special tax treatment. See IRS Publication 54: Tax Guide for U.S. Citizens and Resident Aliens Abroad to learn if this form might help you.

Do you need to request a state tax extension?

State tax extension guidelines vary. To see detailed information about state extension filing deadlines and mailing addresses, select your state of interest from this state tax authority's website.
Remember, TurboTax Easy Extension can help you access the tax forms you need to file your state extension by mail.