Friday, April 11, 2014

Give the BOOT to "BUT"


While waiting it line at the market I couldn’t help but overhear a conversation between two ladies ahead of me. What started off as a comment regarding “Ellen’s drinking habits” quickly accelerated to an all out rant about her dysfunctional living arrangement, multiple failed relationships and outdated style. After a good 3 minutes, whoever Ellen was sounded like a she could use some real help. Then something strange happened. With a sigh, one woman looked to the other and said, “Bless her heart.” The conversation then switched to Ellen’s “delightful” dinner party for her husband. It seemed strange to me that somehow those three words, “bless her heart”, could completely nullify the previous diatribe.

Then I realized that there’s actually a shorter version of the “bless her heart” contradiction wrapped up in a short, sweet, overused package of only three letters.

“…BUT…”

Somehow three letters later we are able to completely nix the latter point. I looked up the meaning of “but” and found that its intended use is actually “to indicate the impossibility of anything other than what is being stated.” 

“I want to but…”
“I should but…”
“I will but…”

How disappointing that in one swoop we can completely evade what we want, should or will do all with a word that makes us feel excused for doing the exact opposite.

With that, I urge you to give the boot to "but"!

When you’re about to say…it…stop and ask yourself if you are about to make an excuse. Watch as your entire paradigm shifts when you replace “but” with other words: or, so, and.  You can even delete it all together! Free yourself from excuses and instead give yourself a reason to act.

“I want to so…I’ll ask someone to teach me”
“I should and…I’ll make time to do it”
“I will!”


Take back the power from "but" to do what you want, should or will do and give the boot to "but"! 

Saturday, April 5, 2014

Medicare Voluntary Supplemental Plans: Get the Answers from an Expert



Cynthia Bengtson has served in the employee benefits field for over 30 years as a benefits leader at ARCO/British Petroleum. She now cares for three elder relatives in two different states and works with voluntary supplemental employee benefits with Combined Worksite Solutions focusing on businesses with little or no budget for employee benefits. Its a pleasure to have have Cynthia as a friend and valuable resource. 

One question that Cynthia often gets is, 'Why take voluntary benefits into Medicare years?'

Here are Cynthia's insights:

Voluntary supplemental plans do not pay doctors or hospitals. Voluntary plans pay you cash benefits when you obtain medical treatment for an accident or illness. You can use the cash benefits however you wish—to pay for

·      deductibles and co-pays;
·      alternative or experimental medical treatment;
·      rent, mortgage, gas, groceries or other non-medical out of pocket expenses;
·      travel costs to have relatives come to take care of you or vica versa
·      and more!!

Voluntary plans are not major medical plans—they are cash flow protection plans and should be viewed as part of one’s financial protection strategy.

Voluntary plans to pay you cash in case of:

  • Accidents
  • Hospitalization
  • Disability
  • Cancer
  • Critical Illness (heart attack, stroke, MS, blindness, etc)
  • Certain wellness activities like mammograms, pap smears, blood screenings and more

Keeping a voluntary plan after you are eligible for Medicare could help with your cash flow and help pay for extra care needed after an injury or illness including the costs of children or relatives traveling to care for you or extra caregiver services.

Various companies offer voluntary plans today. Be aware:

·      Not all companies allow all plans to continue past age 65. Research each company’s plans before enrolling.
·      Some plans include cancer in the critical illness plans; others do not and offer a separate cancer only plan.
·      Some plans reduce benefits at age 65 or 70.
·      The cost of many plans is based upon age at issuance of the policy and the younger you are when you join the plan the lower your premium will be.
·      Traditionally, premiums are fixed at purchase and do not increase over the years—but ask the insurance company agent!
·      Voluntary plans can be obtained on an individual basis or through a Company at group rates and on a pre-tax basis if desired.
·      Some companies allow you to file claims online or over the telephone.
·      Most plans pay claims within 4-10 days. Ask each company about their performance.
·      The payment methods for individual plans vary. Make sure you understand all your options.
·      Industry experts recommend you set aside one hour’s wage per week for voluntary plan coverage. Make sure you stay on your budget.
·      Purchase only the protection you need. Do not get “over sold” more plans that you need. Insure only what you can not afford to lose.
·      Make sure you know who your individual agent is and have his/her direct phone number!

Voluntary plans might be of help to you. Be aware of your options and make the right decision for you or your elder relatives!


By Cynthia Bengtson, Account Executive with Combined Worksite Solutions
Licensed life and health insurance agent in CA, TX, NV, and AR. 

Thursday, April 3, 2014

Vaccinations: The Who, What, When, Where, and Why


When was the last time you got vaccinated? With the flu vaccine getting the spotlight during the recent flu season, other vaccines often get neglected. As a healthcare provider, I always encounter confusion amongst patients with this subject. Here is the who, what, when, where, and why on what vaccinations are recommended by the Center for Disease Control (CDC) for those 55 and over.

1. Flu vaccine (influenza)
Who: All individuals (except those with an egg allergy)

What: The Flu vaccine provides protection against the influenza virus. There can be several strands of flu in a single shot. This can be identified as trivalent (3 strands) vs. quadrivalent (4 strands). Be sure to ask which type your provider offers.

When: Yearly between September – March

Where: Check with your primary care provider or local pharmacy.

Why: The flu vaccine minimizes your chances of getting the flu or can decrease the severity of flu symptoms. Symptoms of the flu include typical common cold symptoms, as well as fatigue, body aches, and fevers. Complications of the flu can lead to pneumonia or respiratory failure. It is important to get your flu shot yearly due to the changes that occur in the viral strains. Moreover, remember you can’t get the flu from the flu shot, because the vaccination is inactive.


2. Tdap (Tetanus, Diphtheria, and Pertussis)
Who: All individuals

What: The Tdap vaccine provides protection against tetanus, diphtheria, and pertussis in a single vaccine.

When: A booster shot is recommended every 10 years

Where: Check with your primary care provider and local pharmacy. 

Why: The Tdap vaccine minimizes your chances of:

  • Tetanus- characterized by prolonged contraction of skeletal muscle tissues. This can be caused by injury to the skin with a rusty or dirty object.
  •  Diphtheria- a respiratory illness that can result in respiratory failure.
  • Pertussis aka “ whooping cough”- a highly contagious respiratory disease that can result in uncontrollable coughing and difficulty breathing.

3. Shingles (Herpes Zoster)
Who: Those 60 +

What: The Shingles vaccine minimizes your chances of reactivating the chicken pox

When: A one time dose

Where: Check with your primary care provider and local pharmacy

Why: Shingles is a dormant form of the chickenpox virus in the nerve roots. Upon times of stress or decreased immunity this virus can become reactivated and cause a


4. Pneumonia (Pneumococcal) 
Who: Those 65 + and all individuals who are at high risk (co-morbidities including-cardiovascular disease, chronic lung disease, liver disease, diabetes, renal failure, immunocompromised, alcoholism, and smoking.) 

What: The Pneumonia vaccine minimizes your chances of developing the most common types of pneumonia.

When: 1-2 doses before the age of 65 (at least 5 years apart), 1 dose after the age of 65.

Where: Check with your primary care provider and local pharmacy

Why: Pneumonia can lead to a blood infection and even respiratory failure. Although the treatment of pneumonia can be achieved with antibiotics, with an increase in antibiotic resistance and co- morbidities, prevention by means of vaccination is more becoming important.

Ideally, when considering vaccinations it is important to outweigh the benefits and risks. Many diseases that were once prominent have now become obsolete with the introduction of vaccinations. The diseases mentioned above can also enter this realm though prevention by vaccination. In order to be proactive it is important to talk to you health care provider to discuss your risks and what vaccines they would recommend for you.  



References

CDC. (2014). Immunization schedules. Centers for Disease Control and Prevention. Retrieved from http://www.cdc.gov/vaccines/schedules/easy-to-read/adult.html

CDC. (2014). Vaccines and Immunizations. Centers for Disease Control and Prevention. Retrieved from http://www.cdc.gov/vaccines/vpd-vac/vpd-vac-

Heflin, M.T. (2014). Geriatric health maintenance. Up to Date. Retrieved from http://www.uptodate.com/contents/geriatric-health-maintenance?source=search_result&search=geriatric+health+maintenance&selectedTitle=1~9#H






By: Bethany Mayor- Gomez, MSN(c), RN 

Bethany is a registered nurse with a background in travel vaccinations, cardiac, orthopedic, and medical-surgical nursing. She will soon be graduating with her master’s degree as a Family Nurse Practitioner. Her favorite thing about nursing is the continuous strive for the welfare of others through health promotion, protection, and disease prevention.

Monday, March 24, 2014

God Grant Me...A Hole in my Bucket


It was a cold, gray, Friday morning and I was in that fuzzy space between asleep and alert. When my mind at last came into focus, I was staring at the same perfect perfume bottles on my dresser top that greeted me each morning, poised and ready to spritz. For some reason this morning, I was arrived at the glaring realization, that time was a-wasting' and it had been a long time since I had checked anything off from that ongoing “Bucket List” that so many of us have rolling around in our heads.

Now, I know I've been blessed to have been able to do many things that others may still have on their list, such as living in Hawaii, climbing to the top of the Tower of Pisa as well as to the top of the Statue of Liberty, 6 months pregnant even, (later part of that one, not on my list!). I've attended a concert at The Prince's Palace in Monte Carlo, and even got to shake hands with Rosa Parks long enough to express my heartfelt appreciation for her courage on behalf of the whole human race, but what had I really done lately? The sad answer that frigid Friday hit me like a cold shower, nada, zero, nothing.

Where had my plans derailed? When did I fall off the track? All I was doing was living my life and skating through each stage as it came along, daughter, sister, friend, wife, mother, teacher, etc., but what happened to that list I put together all those years, -back in the day, ago? When will I ever be able to walk down that runway to “Here She Comes, Miss. America” if things keep going in this direction?! Which of course they must, or my name is Benjamin Buttons!!! It was then that the answer came to me in the words of a song that I loved & sang as a child, what if there was “a hole in my bucket, Dear Liza?”

Just imagine, Miss America falls out and is replaced by the joy of taking an out-of-work friend shopping at a resale shop, and paying for her interview outfit. Scaling Mount Olympus (as my globetrotter son has done) along with being on T.V. show aired around the world, (like my famous daughter) both fall out, and in goes giving a child the gift of music by patiently running flashcards of notes with her at lesson every week until she knows them cold, so she can now play her favorite song, The Can-Can. Now that's a real good one! At this realization, I feel true exhilaration, I haven't been slacking off after all! With the new hole in my bucket, I have the freedom to let go of some the things from my list that I no longer desire and replace them with those that I do, and can realistically accomplish at this stage in my life. A funny thing is, when I was younger, most things on my list had to do with what I wanted for myself or what others could do for me. Now, it seems it's more about what I want for others and what I can do for them.

One last thought, about those same perfect perfume bottles, it's now on my list to use them daily. My new mantra; Making the world a sweeter place for everyone I meet, one spritz at a time.





By: Carol Hengel 


Carol is the proud mother of Leah Korkis. Carol received her undergraduate from Western Michigan University in Music Therapy and Music Education and later her Masters Degree in Special Education. Carol continues to enjoy her teaching career as a Private Music and Special Education Teacher. In her free time, she loves playing her cello in a variety of groups including local theater productions, as well as traveling, book club, cooking, playing tennis hiking and biking. 

Friday, February 28, 2014

Kombucha: To drink or not to drink

I have never been one to follow the recipe.

I’m the kind of person who throws in a pinch of this, a splash of that, a squeeze here and a dollop there. If the recipe says one cup, I’ll probably put one and a half if I especially like the ingredient. It usually leaves me racking my brains after a particularly good experiment, trying to remember the quantities and steps I took to reach the final product. I’ve lost track of how many times my husband has said, “Please tell me you remember how you made this.” Kind of, sort of, maybe, ish…it’s never the answer he’s hoping for.     

This is why the process of fermentation had always made take off the apron. I mean, it’s alive, it’s growing, it’s a recipe that must be followed for it’s very survival.

So when a friend gave me a kombucha starter or scoby, I accepted it with hesitation, knowing in the pit of my stomach that this little guy didn’t know what it had coming.

Alas, I was wrong.

I spent that evening researching kombucha, looking for the perfect (most straight forward) recipe I could find. I wanted to prove to myself that I could really make this work; that fermentation and I could be friends.

I found what appeared to be a foolproof recipe: ½ a cup of sugar and 4 black tea bags. How hard could that be? I brewed the tea and measured the sugar to a ‘T’. Already I felt the tug to be innovative, “can I use coconut sugar”…”I wonder if Lemon flavored tea would work, or maybe Mint, I love Mint…”

No, no! Back to the recipe, my mind told me. Just in case, I confirmed that I did in fact have Lemon or Mint tea in my pantry. Good. Back to the recipe.

I waited for the black tea to cool and added the slimy scoby to the jar with the brownish liquid.

It begged the question; how on earth is this really good for me? In my research for the perfect recipe I had come to read that kombucha has a well-rounded list of health benefits. It's actually been around for more than 2000 years, starting in China. It's since been called, "The anti-aging juice" and "The fountain of youth elixir" because of it's claim to posses an abundance of antioxidants, help joints, boost the immune system, and improve GI health. In fact, Dr. Greenwalt from the Department of Food Sciences at Cornell University is quotes for saying,  "Kombucha may be a healthful beverage in view of its anti-microbial activity against a range of pathogenic bacteria. This may promote immunity and general well being. It is recommended that Kombucha be consumed at 33 g/L total acid, 7 g/L acetic acid, to obtain these beneficial attributes."
  
Then, it hit me. Four to 10 days? What did that really mean?

To me, looking for an exact recipe this was a wide window of time. As a nurse, I’d never accept a doctors order that said, “Take medication for four to 10 days”. So I called for clarification, my friend that is. She said she prefers seven days, so I put it on my calendar and hoped for the best.

On day seven, I strained the liquid from the scoby, reserved a cup of that batch to add to my next one and placed the scoby in this new little home while the new batch of tea brewed and cooled.

It was time for the true test of my efforts. I poured myself a sample of my first batch of homemade kombucha.
I took a small sip…only to take another in delight of the knowledge that it was actually good! It was sweet but not too sweet, a touch vinegary but not too vinegary. I added a squeeze of lemon juice and some crushed ginger (I had to make it my own at some point) and I was even more impressed. It was a success!

I managed to keep my kombucha alive and for several months now and I have come to realize that it is fairly easy. I have left my batches for five days to ten days, left the scoby in the fridge for periods when I didn’t have time to make a new batch, and separated the ever-growing scoby (who has now come to be known as “scoobs”) into new ones to give to others.

I have come up with various flavors also of lemon, mint, blueberries, apple, and other odd combinations, most of which have been delightful. I have however stuck to the initial sugar and black tea recipe….for now.


I can say that as an otherwise healthy individual, it makes me feel more alert in the mornings and it has helped me with personal concerns, like headaches and maintaining a healthy gut. 
What have you heard about Kombucha? Do you drink it? If so, why?

References
Stone, T. (2013). Kombucha Tea. American Nutrition Association. 36(3). Retrieved from: http://americannutritionassociation.org/newsletter/kombucha-tea.
Steinkraus, K., Shapiro, K., Hotchkiss, J., Mortlock, R, (1996). Examinations on Antibiotic Activity of Tea Fungus/Kombucha Beverage. Acta Biotechnologica. 16(3), 199-205.