Healthy Living Oct'18

FAC E YO U R P H O B I A | A L I F E T I M E O F L E A R N I N G | S S S S N A K E S !

MARION

The

Future of Farming

How Science Is Revolutionizing The Agricultural Industry

,

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Here’s Here’s to to a a life life full full of of happy happy moments. moments.

And to whole-person care focused on you.

And to whole-person care focused on you.

Formerly Munroe Regional Medical Center Formerly Munroe Regional Medical Center

(352) 467-7850 (352) 467-7850

to whole-person health, you’ll benefit from a to whole-person health, you’ll benefit from a higher-quality experience. higher-quality experience.

This is just the beginning, we have more This is just the beginning, we have more exciting changes ahead. We look forward to exciting changes ahead. We look forward to a healthy future together. a healthy future together.

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rida l B

P R E S E N T E D B Y:

SHOWCASE

COLLEGE OF CENTRAL FLORIDA

OCTOBER 24, 2018

Hors d’oeuvres, dessert and wine tastings, plus more than 80 vendors offering the latest in wedding styles and trends

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Photography BCG Pictures Callen Videography Jim Jernigan’s Studio Kayla Wade Photography

Horse & Carriage Destiny Horse & Carriage

Real Estate Great Expectations Realty Canterbury Circle

Insurance AAA of Ocala Gibbs Insurance & Financial Lauren Gibson State Farm

Salon Proper Tease Salon

Nutrition Le-Vel Independent Brand Promoter Vitalize Natural Market

Venues Appleton Museum College of Central Florida Golden Hills Country Club Golden Ocala Golf & Equestrian Club Herlong Mansion Bed & Breakfast Hilton of Ocala Indigo Harvest Events Sweetwater Branch Inn The Barn at Martin Farm The Cattle Farm at Triple J The Villages Polo Club The Waterfront Inn Wedding Venue 4 U

Officiant Jack Edmonds

Wedding/Event Planner Watson Enterprises

Photo Booth Sensational Selfies

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Door prize giveaways, including weekend getaways, high-end small appliances, beautiful purses and more.

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OCTOBER 2018

be an insider!

Sign up for our free e-newsletter and stay tuned for new giveaways each month. Visit us on Facebook at Healthy Living Magazines or at

a class apart ›

P A G E 20

Adult education classes for the unconventional hobbyist. › By Nick Steele

healthylivingmagazines.com

the sunshine snakes › P A G E

24

How much do you really know about Florida’s snakes? › By Cynthia McFarland

agbots: rise of the machines › P A G E 28

This farmer is an agbot, an agricultural robot, and it is a machine that can work tirelessly for days or even weeks on end without a single break. › By Jim Gibson

the fear factor › P A G E

32

Finding help for phobias. › By Cynthia McFarland

FAC E YO U R P H O B I A | A L I F E T I M E O F L E A R N I N G | S S S S N A K E S !

MARION

The

Future of Farming

How Science Is Revolutionizing The Agricultural Industry

H E A LT H Y

›

beat

H E A LT H Y

›

PAGE 5

body

H E A LT H Y

›

P A G E 15

vibe

P A G E 37

FISCAL

›

fitness

P A G E 43

TRENDS | NEWS | PEOPLE

WELLNESS | FITNESS | BEAUTY

MIND | HOME | LIFE

INSIGHT | ADVICE | SOLUTIONS

By Cynthia Brown, Laurel Gillum, JoAnn Guidry, Cynthia McFarland and Melissa Peterson

By Robin Fannon, John Jernigan and Lisset Lanza

By Laurel Gillum & Lisset Lanza

By Laurel Gillum

›6 ›7 ›8 › 10 › 12 › 14

What to do this month.

Business news and updates.

Healthy Living’s Hometown Hero.

You are what you eat.

All around town.

Run, bike, swim.

› 16 › 17 › 18 › 19

Take time for breakfast.

Snack healthy.

Stop the sugar.

Teeth talk.

› 38 Location, location, location. › 40 Back to nature. › 41 Green thumb guide.

PAGE

03

› 44 Investment info. › 46 Life insurance lowdown. › 48 End-of-year checklist.

MARION

ADVISORY BOARD

PUBLISHER

Kathy Johnson

kathy@healthylivingmagazines.com OFFICE/PRODUCTION MANAGER

Cynthia Brown

art@healthylivingmagazines.com

HEALTHY LIVING MAGAZINE has brought together a group of medical experts and community leaders to serve on our advisory board and share their expertise and insight with our readers.

EDITORIAL EXECUTIVE EDITOR

Karin Fabry-Cushenbery

karin@healthylivingmagazines.com MANAGING EDITOR

Melissa Peterson

melissa@healthylivingmagazines.com SOCIAL EDITOR

Ron Wetherington SOCIAL MEDIA SPECIALIST

Vianca Torres

vianca@ocalastyle.com

Christy Jergens, APR

Michael Holloway, M.D.

FLORIDA DEPARTMENT OF HEALTH IN MARION COUNTY

LIFESTYLE SOLUTIONS MEDSPA

Public Information Officer

SOCIAL MEDIA ASSISTANT

Elizabeth Martinez

FOOD & LIFESTYLE CONTRIBUTOR

Robin Fannon

Physician-Directed Weight Management & Medical Aesthetics

CONTRIBUTING WRITERS

Jim Gibson Cynthia McFarland Laurel Gillum Katie McPherson JoAnn Guidry Nick Steele Bonnie Kretchik

Nicolas Blaser Vice President – Business Services Officer

Mark Jank, M.D. Ophthalmology OCALA EYE

BB&T

EDITORIAL INTERN

Lisset Lanza ART

art@healthylivingmagazines.com CREATIVE DIRECTOR

Jessi Miller

Ashley Cauthen, M.D.

Brittney Marthaller

MIDSTATE SKIN INSTITUTE

OCALA HEALTH

Cosmetic And Clinical Dermatology

GRAPHIC DESIGNER

Kristy Taylor

Director, Marketing & Public Relations

PHOTOGRAPHERS

John Jernigan Sheila Hartley Ralph Demilio 123rf.com

Kristina Donohue

SALES

Director of Mission Advancement

DIRECTOR OF SALES

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THE CENTERS

deanjohnson@healthylivingmagazines.com

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OCALA PLASTIC SURGERY

SALES MANAGER

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Evelyn Anderson Kyle K. Bernhard Skip Linderman Peggy Sue Munday Cecilia Sarco Lori Tani Crystal Gale Tronnes

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TWIN PALMS ORTHOPEDICS

CHILDREN’S HEALTH OF OCALA

Orthopedic Surgeon

Pediatrics

DISTRIBUTION

Dave Adams Debra McQueen Rick Shaw OCALA PUBLICATIONS, INC.

HEALTHY LIVING MAGAZINES / OCTOBER 2018 / VOL. 6, NO. 10 Published monthly by Ocala Publications, Inc. All contents © 2018 by Ocala Publications Inc. All rights reserved. Nothing may be reprinted in whole or in part without written permission from the publisher. For back issues or advertising information, call (352) 7320073. Return postage must accompany all unsolicited manuscripts and artwork if they are to be returned. Manuscripts are welcomed, but no responsibility can be assumed for unsolicited materials. “Promotional” and “Promotional Feature” denote a paid advertising feature. Publisher is not responsible for claims and content of advertisements.

OCALA / MARION COUNTY

healthylivingmagazines.com OCT ’18

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PATIENT CENTERED HEALTH CARE & WELLNESS

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Internal Medicine and Medical Weight Management

TRENDS NEWS PEOPLE

H E A LT H Y

fall fun!

It’s festival season! Kick off this year’s festivities by attending the first annual Harvest Fest hosted by Ocala Health. This free event has activities for every age—even the parents.

Start the morning with a potato sack race against your friends and family or visit the petting zoo filled with cuddly farm animals. Later in the day, disperse your energy in one of the bounce houses and then replenish with a meal from the food truck of your choice. Other activities include bounce houses, a pumpkin patch and pumpkin decorating, pony rides, slides and train rides. We’ll see you there!

Want to go? › FIRST ANNUAL OCALA HEALTH HARVEST FEST › October 13, 2018, 10am-2pm › West Marion Community Hospital, 4600 SW 46th Court, Ocala › Visit facebook.com/ocalahealth for more information

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H E A LT H Y

beat

CALENDAR

day by day

Fun events, helpful tips and monthly to-do’s for October.

SUNDAY

MONDAY

1

Hip-Hop Yoga Flow at Studio SC: Barre, Yoga, Fitness (every Monday, 6:45pm)

7

8

3rd Annual YMCA of the Suncoast Youth Triathlon at Citrus Memorial Health Foundation YMCA

Supervise and assist kids as they prepare dinner.

14

15

5th Annual Chili Cook Jog for 20 minutes.

Off 5K at Nature’s Resort RV Park.

21

Get lost in the corn maze at one of our local farms.

28

Don’t miss the last day of the 44th Micanopy Fall Festival.

22

TUESDAY

2

WEDNESDAY

THURSDAY

FRIDAY

SATURDAY

Clean the tops of cabinets and appliances.

Line dancing at Forest Community Center at Sandhill Park (every Wednesday, 6-8p)

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4

5

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9

10

11

12

13

16

17

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25

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Start putting out fall décor.

Organize electronic cords and chargers.

Low Back Pain and Sciatica Workshop at the Senior Wellness Community Center*

Attend the University of Florida Arts in Medicine Program at the College of Central Florida.

Start a seven-day juice cleanse.

Move and vacuum under furniture.

23

24

29

30

31

Have someone share Wipe out and sanitize with you the best part bathroom of their day. cabinets.

Diabetes in Everyday Life Seminar at the Senior Wellness Community Center*

Halloween

Make plans to attend the First Friday Art Walk in downtown Ocala tomorrow night.

Take a YouTube Zumba class.

After Dark in the Park Movie Series: The Pursuit of Happyness at Citizens’ Circle

Fish Fry and Classic Cars Fundraiser at 8th Avenue Adult Activity Center

Opening night of Thyroid Function and Born Yesterday at the Dysfunction Seminar Ocala Civic Theatre at the Senior Wellness Community Center

Complete three sets of pushups for 10 repetitions.

Ocala Pumpkin Run Car Show & Festival at Castro Farms (Oct. 26-28)

Visit Ocala Downtown Market (every Saturday, 9a-2p)

Ocala Health’s Harvest Fest at West Marion Community Hospital

Harvest Hustle Run for Reading at Baseline Trailhead Park

Marion County Halloween Run 5K/10K at the Paddock Mall (BHRS Race #3)

juice it Ready to get into the juicing trend? Here’s a recipe to get you started.

2 3 1 8 1⁄2 1

green apples, cut in half stalks celery, no leaves cucumber leaves kale lemon, peeled piece fresh ginger mint, optional

Blend, and enjoy!

6

*To register for Ocala Health events, call (800) 530-1188 or visit OcalaHealthSystem.com healthylivingmagazines.com OCT ’18

Source: loseweightbyeating.com

green detox juice

H E A LT H Y

beat

BUSINESS BITES

a new addition

Ocala Health will expand access to emergency care in southeast Marion County with the opening of a freestanding emergency department on Maricamp Road, located adjacent to First Baptist Church. Construction is expected to begin in late 2018, and the facility is expected to open late 2019. The new, 24/7 full-service freestanding emergency department will feature 12 emergency room beds and will be capable of caring for all ages, including pediatrics. The freestanding ER is expected to serve more than 11,500 patients a year. The $13 million project will employ approximately 30 full-time health care professionals.

“While continuing to expand our Ocala Regional and West Marion campuses, we saw an opportunity to bring emergency care closer to our southeast Ocala residents,” says Chad Christianson, Ocala Health CEO.

COMPREHENSIVE CARE

Florida Cancer Specialists & Research Institute (FCS) recently held a groundbreaking to announce a new state-of-the-art cancer center that will be located on SW 48th Ave in Ocala. The new $10 million center is scheduled to open in fall 2019. The cancer center will be approximately 21,000 square feet with 17 exam rooms and 47 chairs in the infusion room. This will be the region’s first and only comprehensive cancer center where a patient can receive a variety of services and treatments under one roof, including chemotherapy, radiation oncology, national clinical trials, radiology (PET/ CT imaging), physician visits and laboratory services to provide unsurpassed convenience for cancer patients in Marion County.

a new name in town

a warm welcome

RAO is delighted to announce an addition to its radiology team, Dr. Janet Ter Louw, who will be working at the Women’s Imaging Center. Dr. Ter Louw joins WIC Medical Director Dr. Amanda Aulls in having more than an exemplary education and experience in women’s imaging services but also a firsthand understanding of the importance of related diagnostic tools.

“I’m thrilled to be joining the region’s first and only comprehensive women’s imaging practice,” says Dr. Ter Louw. “As such, I think it’s important to have women doctors onsite. It engenders an atmosphere of empathy and practical knowledge of how patients should be treated.”

Adventist Health System, the parent company of Florida Hospital, announced in August that it had finalized an agreement to officially acquire the 425bed Munroe Regional Medical Center, Munroe Medical Group and its related outpatient locations, including the TimberRidge free-standing emergency department.

Munroe Regional Medical Center has been renamed Florida Hospital Ocala and has joined the West Florida Division as the second largest hospital in the division and the third largest in Adventist Health System. The organization has named Joe Johnson as the hospital’s president/CEO effective immediately. Johnson has more than 30 years of experience in the health care industry, most recently serving as the president and CEO for Florida Hospital Carrollwood.

“It is an honor to lead Munroe Regional Medical Center in this transition to become Florida Hospital Ocala and a member of Adventist Health System,” said Johnson.

“I am excited to be part of this community and to work with the hospital leadership, physicians, clinicians and team members to help deliver exceptional wholeperson care and impact the overall health of the Ocala community.”

OCT ’18 › healthylivingmagazines.com

7

H E A LT H Y

beat

HOMETOWN HERO

Champion for Champions founder Maria Roman was recently chosen by our social media followers as the October Healthy Living Hometown Hero. › By Cynthia McFarland

M

aria (Conny) Roman has never been someone to sit on the sidelines and wish for change. After volunteering for a number of causes over the past two decades, she knows what it takes to make things happen.

Helping others is what Maria does best.

A mother of two, Maria has a 17-year-old son with Down syndrome, but she was involved as a special needs volunteer well before his birth.

In 2016, she co-founded Champions for Champions, Inc., a Marion County-based nonprofit organization that offers a variety of classes and programs designed to “enrich the lives

8

healthylivingmagazines.com OCT ’18

of families through facilitating and providing recreational, educational, athletic, life skills and musical activities for people with special needs” in our area.

“I wanted to do something that would make a difference.

In the two years since we’ve started, we’ve accomplished a lot,” says this determined woman who’s lived in Ocala since 1997. “I wanted to fill the gaps for people who weren’t really able to do sporting events but still wanted physical activities. I also wanted to have enrichment and life skills programs that would offer personalized attention.”

Champions for Champions

offers programs for people with special needs from age 2 and up. Classes and activities include dancing, swimming, music and public speaking.

Initially, Maria wanted to offer public speaking opportunities such as those found through Toastmasters. This was the first activity offered through Champions for Champions, and it’s been a huge success.

“We started meeting once a month, and it’s grown to weekly,” she says. “We now have 60-plus people registered for our Champions Gavel Club, and an average of 35 to 40 participate at each meeting. Family members often participate, too.”

On October 20, Champions for Champions will hold its second annual Universability Pageant: The Beauty Within at the Paddock Mall.

All programs offered through Champions for Champions are

Photo by John Jernigan

a champion in her own right completely free to participants.

All they have to do is register.

Programs and activities are funded through donations and fund-raising efforts.

Maria serves as executive director of the organization, which is manned solely by volunteers.

“I want to give more options to our special needs community,” says Maria. “These kids have a lot of potential, but they don’t have a lot of choices.

I have more ideas I want to see happen in the coming years.

It’s not just me; I’m fortunate to have very good people working with me, and if we all work together, we can make this happen.”

Learn more › Visit championsforchampions.org or facebook.com/ChampsAbility for more information about programs or to volunteer.

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OCT ’18 › healthylivingmagazines.com

9

H E A LT H Y

beat

HAPPENINGS

fighting cancer with food and fitness

Dr. Colin Champ, M.D., will address how people can take control of their own health at his upcoming IHMC Evening Lecture Series talk. ›

By Cynthia McFarland

N

early 40 percent of citizens of the United States will be diagnosed with cancer in their lifetimes, but if Colin Champ, M.D., has his way, that shocking statistic will be decreasing in the future.

Dual board-certified in radiation oncology and integrative and holistic medicine, Champ practices medicine at the University of Pittsburgh Cancer Institute and the University of Pittsburgh Medical Center, where he is also an assistant professor.

He is also the founder of Cancer Prevention Project, a Pittsburgh-based nonprofit organization with the mission of educating people on methods of preventing cancer (initial diagnosis and recurrence) through food, activity and a healthy lifestyle.

Champ’s passion for health was fueled by his own involvement in sports at a young age. He also found inspiration close to home with a grandfather who grew organic vegetables long before “going organic” was trendy. He credits his grandfather as the main inspiration and motivation in his life and work.

“He was a large part of the reason why I am in medicine today and fully subscribe to the power of diet, exercise and a healthy lifestyle,” Dr. Champ says.

Although he continues to research cancer care, including radiation therapy, Champ’s primary focus is on the role of food and exercise in both the treatment and, ultimately, the prevention of cancer.

“The medical world is moving at a rapid pace, yet when it

10

healthylivingmagazines.com OCT ’18

comes to a healthy lifestyle, we seem to be stuck in the Dark Ages,” observes Champ, who feels the important topics of nutrition and exercise are often neglected—or worse, ignored.

This only serves to increase his own interest in these areas, both in his own life and in his professional life and research.

Champ’s first book, Misguided Medicine, was originally published in 2014, with a second edition released in 2016, and helps readers take responsibility for their own health.

His dedicated efforts have resulted in numerous educational materials (books, pamphlets, videos, talks and a website with millions of visitors) that offer science-

backed recommendations for diet, physical activity and sleep habits. Visit his website, colinchamp.com, for information and articles on an array of health topics.

“Food and healthy lifestyle activities are potent preventative medicines for many diseases, and newer studies suggest that both provide our cells additional weapons in the fight against cancer,” says Champ, who’ll be talking about fighting cancer with food and fitness when he comes to Ocala.

Learn more › IHMC Evening Lecture Series › Colin Champ, M.D. › Tuesday, November 13, 6-7pm (doors open at 5:30) › ihmc.us › (352) 387-3050

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Fellowship Trained Mohs’ Surgeon

Please RSVP by Monday, April 6th.

OFMC Dermatology & Aesthetic Center ToSurgeon RSVP or for questions regarding this Dr. Wallace is board certified Dermatology and is a fellowship trained Mohs’ 2121inSW 22nd Place who specializes in the diagnosis, treatment, and prevention of skin conditions, diseases event please call Ocala, 34471 and cancers.

HeFL is also accepting new patients.

• •

Dermatology Direct: (352) 368-1350 Aesthetics Direct: (352) 368-1333 OFMC Main: (352) 237-4133

352-368-1333 Experience

Kenneth A. Wallace III, M.D. •

5-star quality care.

Board Certified Dermatologist

• Personalized Physical, Fellowship Trained Mohs’ Surgeon Occupational, Speech Therapies Dr. Wallace is board certified in Dermatology and is a fellowship trained Mohs’ Surgeon who specializes in the diagnosis, treatment, and prevention of skin conditions, diseases • Compassionate and cancers. He is also accepting new patients.

Skilled Nursing Board Certified Emergency Medicine

352.873.7570

2800 Southwest 41st St. • Ocala, FL LifeCareCenterOfOcala.com

• Post-Acute Care • Private and SemiPrivate Rooms 117703

Medicare and most insurance accepted.

OCT ’18 › healthylivingmagazines.com

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H E A LT H Y

beat

OUT & ABOUT

glow with the flo 5k

Photos by Crys Williams @ Citizens’ Circle

The fifth annual Glow with the Flo 5K was scheduled for August 25. Unfortunately, due to severe weather the event was canceled, but not before everyone gathered ready to illuminate the night through the streets of downtown Ocala.

Tiffany Florence, Nikki Neal

Westah Daniels, Stephanie Sigler, Joyce Lenz

Kaylee and Elizabeth Schor

Josh, Kaylyn, Ashley, and Hadley Matchett

Mike, Chrissy, Addison, and James Horne

Jennifer Lombardi, Eleanor McNeil

Keiera Wilkerson, Shelby Lenz, Samantha Sigler

Pat Michele and Coco

Torin James, Tammi and Lynn Johnson

Roberta Jolly, Andrea Lockley

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Dave Scott, Rob Moore

Casey Stephenson, Julieta Viteri, Pam Wise

Timothy Bostick, Rashad Shuler, Rasheem Gagger, Jeffery Cooper

Isabella Rumans, Haley Dotten, Dru Rumans, Elaine Dotten

Melinda Brown, Jean Anderson Jodie Bell, Missy Hicks

Tabitha Formella, Margaret Renaud

Alma Broadent, Doris Holman

Laurie Schoncheck, Erika Summerfield Matt, Charmaine, and Braelyn Burckhardt

Amy Setzer, Addisyn and Kelly Senn

Karrissa Shannahan, Angela Juaristic

Anna Morgan, Cherie Davison

Aislynn Buehre, Delaney Peterson

OCT ’18 › healthylivingmagazines.com

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H E A LT H Y

beat

PEOPLE

tri a challenge Local triathlete Leah Garland defies the odds to succeed in an extreme sport.

› By JoAnn Guidry › Photo by John Jernigan

A

t 18, Leah Garland suffered severe damage to her left ankle after a freak 15-foot fall while in the U.S. Air Force. Medically retired from the Air Force at 19, she was told she’d never run again.

“It was devastating. I wanted an Air Force career, and I had always been an active

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person,” says Garland, now 38. “I was told I couldn’t run, and I believed it. For 18 years, I believed it.”

But one day in 2015, Garland challenged that belief.

“I just decided I wanted to live a more active lifestyle again,” she says. “So I went outside and started running.

Every day I ran a little farther.

And the day I managed to run a mile without stopping was very emotional and validating for me. From that point, there was no stopping me.”

Garland signed up for a 5K (3.1 miles) race and finished second in her age group.

Then she quickly thought she

“I’d grown up swimming, and now I could run again. I just needed to start biking. I didn’t even own a bike.

I borrowed bikes until I bought one about a month before the event.”

needed a bigger challenge— becoming a triathlete. Garland circled the St. Anthony’s Olympic Triathlon in St. Petersburg (April 2016) and began training four months out.

“I’d grown up swimming, and now I could run again. I just needed to start biking,” says Garland. “I didn’t even own a bike. I borrowed bikes until I bought one about a month before the event.”

Much to her surprise, Garland won the St. Anthony’s Female Novice class. From there, she competed in a half-Iron Man, a full Iron Man (2.4-mile swim, 12-mile bike and 26.2mile run) and, just for fun, the 2017 New York City Marathon.

Less than two weeks after the latter, Garland, who now had a serious respiratory infection, competed in the Miami-Man National Championship. A top-15 ranking in her age group qualified Garland for the International Triathlon Union World Championships July 6-14 in Denmark.

“I felt awful the whole event and thought of quitting many times. But I just kept going and finished,” says Garland. “I was shocked when I qualified to make Team USA for the ITU World Championships.”

Also joining Garland on Team USA were Marion County residents Terri Bower, Anne Raduns, Rebecca Fratello and Dianna Bridges. Competing in the Long Course Triathlon (1.9-mile swim, 74.5-bike & 18.4-mile run), Garland finished 26th among the world’s 40 best triathletes in her age group (35-39).

“The whole Denmark experience was incredible, just amazing team camaraderie,” says Garland, who despite working a full-time job, trains on average four hours a day, five to six days a week. “If I hadn’t taken that first running step, it never would have happened.”

NUTRITION FITNESS BEAUTY

H E A LT H Y

good eats: In the mood for Mediterranean? Feta Mediterranean Cuisine offers dishes that are low in calories but big in taste—from the Gigantes Hoirino, featuring pork tenderloin served on a bed of gigantes beans and diced veggies, to the grassfed lamb loin chop, served with baked Greek lemon potatoes and sautéed kale.

Photo by John Jernigan

306 SW Broadway St, Ocala › (352) 433-4328 › fetaocala.com

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RSVP ROBIN

amazing akuri › Recipe courtesy of Robin Fannon › Photography by John Jernigan

Akuri is a spicy egg dish typically eaten in Parsi Indian cuisine. It’s a great change of pace for breakfast and fancy enough to serve to family or overnight guests. This is an invigorating addition to any brunch spread and a perfect dish to serve the morning after a late night of over indulgence. The chilies and ginger in the dish will clear your head, the antiinflammatory spices and fresh cilantro will help cleanse the body and the protein from the eggs will provide energy. It is delicious served with warm Indian bread such as naan or roti. The best thing to drink with this dish is an icy cold beer!

4 1 1 1 Robin Fannon is a New York culinary school-trained chef and a successful party planner with decades of experience. You can visit her popular blog at rsvprobin.com for healthy recipes, party tips and lifestyle articles. Or check her out on Facebook or Instagram. rsvprobin.com

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1 1 1⁄8 1 1⁄4 8

tbsp unsalted butter (or ghee if you prefer) large onion, chopped tbsp freshly grated ginger large green chili, finely chopped tsp ground cumin tsp turmeric powder tsp paprika large fresh tomato, chopped cup fresh cilantro, washed and chopped large eggs salt and pepper to taste

Heat butter or ghee in a large skillet, and sauté the chopped onion until translucent. › Add the chilies, ginger, cumin and turmeric, and stir over medium heat for about 2 minutes. › Add the chopped tomato, and continue cooking for another minute. › Pour in beaten egg and half the cilantro, and stir continuously until curds start to form and eggs are almost completely set. › Garnish with remaining fresh cilantro. › Serve with warm bread.

H E A LT H Y

body

recipe for success Changing the way you snack can promote workplace efficiency and a happier you. › By Lisset Lanza

snack time solutions

Nutrient-rich food contains few bad fats, little sugar and sodium, and a lot of vitamins and minerals. Their composition makes for tasty and filling fuel that leads to meeting a balanced diet and has even been shown to boost your mood.

Depending on your lifestyle and what food you prefer, you can choose from a range of snacks that will work best for you. If you have time to prepare a snack to bring from home, incorporating colorful fruits and vegetables into a mixed fruit bowl or salad will help to fulfill your daily intake needs of fiber, vitamin C and vitamin E. Protein bowls with rice, beans, veggies and extras are mess-free and portable. For a mindful and mess-free way to satisfy your cravings for crunch, try pita chips, sliced cucumbers and pretzels.

Try these additional suggestions for a balanced mid-day snack:

› › › › › › › › › › › › › › ›

Almonds Baby carrots Sliced bell pepper and hummus Air-popped popcorn Plain Greek yogurt with your choice of toppings such as honey, cinnamon, granola and fruit String cheese Apple slices and peanut butter Small fruits like blueberries, raspberries and grapes Roasted chickpeas Snap pea crisps Shelled edamame Clementines Avocado toast Mug of soup Quinoa and lentils

staff pick

Sources: cnn.com, familydoctor.org, risepeople.com

Yes you’re busy and strapped for time, but opting for a healthy snack is always the way to go.

Good-for-you food will boost productivity and give you an extra shot of energy.

Unlike salty and sweet treats, healthy food will help you avoid the dreaded crash that comes after a sugar rush. Instead, healthy snacks provide long-lasting energy. By eating well, you’ll feel better and perform better. So, what kind of food should you be on the lookout for? Here are a few tips.

We recommend the tasty TahiniBAR. This bite-sized energy bar is made from sesame seeds and comes in three delicious flavors. Our favorite?

Cocoa Nibs.

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body

the sweet life

Cutting out sugar could make a difference in your body’s overall function, and the benefits are more than just skin deep. › By Lisset Lanza

why start a sugar detox?

Sugar is added as an ingredient to so many foods that we’ve become desensitized. Sugar is a leading cause of heart disease, and the way it metabolizes in your body leads to the storage of fat.

getting started

Part of beginning a sugar detox involves familiarizing yourself with ingredient lists. Perusing the labels of your favorite foods

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could be a wake-up call for just how much sugar is in what appear to be healthy options.

Here are some other tips for starting a sugar detox.

QUIT COLD TURKEY. Experts agree that the best way to approach a sugar detox is to dive in headfirst. Those who are pregnant or diabetic should not try this diet.

COME UP WITH A PLAN. A four-week program is strict

enough that you can stick to a regimen while also ensuring that there’s enough room for personalization. For example, the first three days will be completely sugar-free, with eggs for breakfast and poultry and green, leafy vegetables for lunch and dinner. On day four, you can include an apple and yogurt into your diet.

Gradually, week by week, you can begin to introduce more foods back into your daily diet.

FIND A REPLACEMENT. Instead of pining after rich chocolate cake for dessert, you might be surprised to

find fresh fruit will satisfy your sweet tooth enough, even after your short time away from sugar. Ditching the sweet stuff works to refresh and even reset your taste buds, which will now be more in tune with natural sugars found in fruits, grains and even dairy.

KEEP IT GOING. After your sugar detox, it’s a good idea to continue to limit your sugar intake. Regulating your sugar intake can impact your skin’s complexion and your energy levels. With the right mindset and the support of others, a sugar detox can help you lose weight and discover a more natural way to enjoy flavors to the fullest.

Sources: cnn.com, womeshealthmag.com, usda.gov

With the ever-changing stream of new diet fads on the market, it can be difficult to find one that actually works. You may be tempted to hop to the next diet in hopes of it being more effective. Detoxes and cleanses in particular seem like quick fixes but can pose risk factors like fatigue. Long-term, consistent healthy eating habits are key, and although a sugar detox does promise a temporary kick to a bad habit, it could also result in a lifestyle change.

H E A LT H Y

body

smile bright

Sources: crest.com, ada.org

A smile can change the world, so it’s no secret that many of us want to improve our teeth by whitening them. › By Lisset Lanza The truth is that there isn’t a onesize-fits-all solution to attaining pearly whites. The whitening methods that will work the best depend on your current situation and your dental history. Consult with your dentist for the most in-depth evaluation, which will take into account dental work like crowns and fillings, your level of sensitivity and how stained your teeth are. In the meantime, simple dietary measures can be taken to reduce the visible decay of teeth. Drinks like black coffee, red wine and colas will stain your teeth, as will dark berries. Strawberries, oranges and broccoli, on the other hand, work to reduce plaque buildup and increase the appearance of how white your teeth look. The American Dental Association recommends proceeding with whitening only after determining a safe plan of action and reminds you that the long-term effects of bleaching teeth have not been studied.

Each whitening option has its own pros and cons. Read on to discover which one may work for you.

PROFESSIONAL TREATMENT: Also the most expensive approach, in-office whitening sessions are usually some of the most effective. Custom molded trays make for precise application, and pastes are painted on by trained professionals.

TOOTHPASTE: Whitening toothpastes utilize activated charcoal and baking soda to scrub away surface stains. Some brands use silica as a replacement.

Try: Hello Extra Whitening Fluoride Toothpaste, $5. hello-products.com

STRIPS: Whitening strips use bleaching components that contain carbamide peroxide, an agent that yields hydrogen peroxide.

Unlike a dentist-administered treatment, strips offer flexibility and personalization in order to work around a schedule.

Applying strips at home allows for multi-tasking. You can select strips that best meet your needs depending on the length of time required for wear and the total duration of usage.

Try: Crest 3D White Strips Professional Effects, $45. Walmart.com

TRAYS: Whitening trays are usually filled with gels containing bleaching agents to target and remove deep stains, actually altering the color of teeth. If users experience discomfort, it is likely the result of an ill-fitting tray, which can irritate the surrounding gum tissue and create tooth sensitivity in the early stages of the whitening process. GloScience uses light technology as well as warming heat that results in users noticing immediate effects of the treatment.

Try: GLO Brilliant Teeth Whitening Device, $200. gloscience.com

OCT ’18 › healthylivingmagazines.com

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L

earning is a lifelong process that can improve your health, increase your personal satisfaction and broaden your professional prospects. It’s also a great way to make new friends, as you’ll be surrounded by people who share some common interests with you.

Studies have even shown that adult learning programs can improve your memory and brain function, as well as make you feel more confident. And although the tried and true territory of traditional adult education programs abound in our area, there are also lots of noteworthy, new options out there.

Whether you are interested in exploring the world of beekeeping, ferreting out “fake news” or you dream of flying on a trapeze with the greatest of ease, the possibilities are vast. In fact, one of the leaders in adult education in our area, Master the Possibilities (MTP), a not-for-profit lifelong learning center located within Circle Square Commons in the On Top of the World community, has “possibilities” right in its name.

“We offer about 1,400 to 1,600 classes a year,” explains Education Program Manager Heather Carrow. “Our curriculum is diverse to fulfill our educational purpose as a lifelong learning center.

Master the Possibilities provides quality instruction and learning experiences for thousands of adult students throughout Marion County and beyond. All of our programs are open not only to our residents but the general public as well.”

Classes at MTP range from the usual offerings in the areas of art, cooking, crafts, foreign languages, travel and technology to topics including racism and how to protect yourself from con artists. And for those of you who dream of out-of-this-world adventures, World Space Week (October 4-10) is a great time to check MTP out. In addition to their own classes, MTP is also teaming up with the Institute for Human & Machine Cognition (IHMC) and will be hosting two pre-recorded lectures with mediators.

Building the International Space Station › IHMC PreRecorded Talk at MTP

How the Universe Works—Beyond Earth October 4, 4-5:30pm › masterthepossibilities.org Jerry Heines, who holds a Ph.D. in theoretical physics, will explore space, its history, some of the intriguing finds, and our current and future space missions.

October 9, 1-2:30pm › masterthepossibilities.org Captain William Shepherd presents his experiences as commander of the first expedition to the International Space Station (ISS). Shepherd will detail his years preparing in Russia and in Houston with his two Russian crewmates and show highlights of his crew’s four-month mission, as well as his take on the future of human spaceflight.

Roving the Solar System: Looking for Signs of Life › IHMC Pre-Recorded Talk at MTP

October 5, 10-11:30am › masterthepossibilities.org Former Associate Administrator for Space Science at NASA Wes Huntress will explore the topic of whether or not we are alone in the universe. He will also provide a view into some of the Mars exploration rovers and how they assisted in recent discoveries.

The New and Improved Solar System › via GoToMeeting October 10, 3-4:15pm › masterthepossibilities.org Astronomer at the Cincinnati Observatory and co-host of PBS’ Star Gazers, Dean Regas will teach a live interactive web-conference OCT ’18 › healthylivingmagazines.com

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class with a Q&A session following his presentation.

He’ll explore the sun, planets, asteroids, moons and recent astronomical discoveries.

SPEAK UP

IHMC also continues their award-winning evening lecture series, which provides a community forum where individuals gather to hear engaging and enlightening conversations. Speakers present topics from a wide-ranging set of subject areas, including science and technology, civic leadership and urban planning. Space: Not Just for Astronauts Anymore will be presented by Senior Research Scientist Jonathan Clark on October 30. For more information on IHMC’s lecture series, visit ihmc.us.

BODIES IN MOTION

Whether you are channeling your inner Robin Hood or Katniss Everdeen, Marion County Parks and Recreation has got you covered. USA Archery certified instructors lead introductory, intermediate and advanced courses during October, November and December at Brick City Adventure Park. Each skill level is offered as a fourweek session for only $15,

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which includes all necessary equipment.

“Our Archery 101 course takes beginners from never holding a bow to knowing the proper techniques and rules for shooting,” explains Stacie Causey, public information specialist for Marion County.

“Some participants are able to competently shoot an arrow after one month. Archery 102 sessions apply the basics learned in the beginner’s course to games and the honing of specific skill sets.

These skill-specific applications and games define the archer’s techniques even further.”

While we’re on the topic of movies, if The Greatest Showman inspired you with its feats of derring-do, then you’re a prime candidate for a flying trapeze class, taught

by Gainesville Circus Center at the YMCA of North Central Florida in Gainesville. Group classes, offered Saturdays at 10am and Sundays at 1pm, are open to all ages and skill levels.

Restrictions pertain to height (min 36”) and weight (250lbs max). First-time students learn the basics of swinging, knee hang and mid-air transfer to a professional catcher in this exhilarating family-friendly, 90-minute class. Participants wear a safety harness at all times and are under the supervision of multiple coaches.

Private classes are also available. For more information, visit gainesvillecircus.com.

PET PROJECT Service & Therapy Animals

October 16-December 9, 5:308pm › 1930 SW 38th Ave., Ocala › saintleo.edu/ocalaeducation-center Dr. Jenenne Valentino-Bottaro will teach this interdisciplinary course at Saint Leo University’s Ocala Education Center, developed with Dr. Debra Mims, a member of HOPE AnimalAssisted Crisis Response.

Mims and her dogs assisted after the Parkland and Pulse Nightclub shootings. Topics that will be covered include service animals and the roles they play with both individuals and through law enforcement in the apprehension of criminals, calming children in family court situations and crime victims who are being interviewed by law enforcement, in search and rescue scenarios and as cadaver dogs. The course will also explore the social, physical, emotional and psychological impacts of human-animal interactions, as well as how the humananimal bond can impact society, animal welfare and the connection between violence toward people and violence toward animals.

STRICTLY SENIORS

Senior Learners, Inc. (SLI) is a non-profit organization dedicated to providing educational opportunities for those who are at least 50

years old by presenting noncredit, college-level classes covering a range of academic interests. Among the upcoming courses being offered are classes on the current opioid crisis, radio astronomy, managing depression among the elderly, as well as law school for seniors. For a full course catalog, visit seniorlearners.org.

BEST OF THE REST

From learning to make your own soap to exploring what your handwriting can reveal about you, here are some great ways to nurture your intellect, challenge yourself and have some fun.

Handcrafted Soap Making

Ongoing, call to schedule › 11am, Williston › (352) 339-2026 › twohawkhammock.com Get some friends together, or engage in a private lesson in organic soap making. Learn to create fizzy bombs, sugar scrubs, bath salts, goat milk and natural oil-infused soaps.

Whatever your desire, they can customize your experience.

Class time is approximately two hours. While there, you can also visit the artisan co-op, go for a carriage ride, visit the wood shop or book the guest house for an overnight stay.

Scammunition: How To Protect Yourself From Con Artists

October 2, 9:30am-11am › masterthepossibilities.org Bothered by annoying robocalls, even though you signed on to the Do Not Call Registry?

Uneasy about the threat of “imposter scams?” Scam prevention specialist Colleen Pallamary will teach you how to protect your assets and acquire a new set of self-defense skills.

honey bees from Chappie McChesney, the founder of the Marion County Beekeepers Club.

Voices in Black and White: What Can I Do About Racism?

October 5, 3-4:30pm › masterthepossibilities.org This free event will raise awareness about racism in its various forms, offer a real-time, face-to-face opportunity to discuss the current issues we face as a community and offer some ideas for potential actions that can lead to healing it. Members of The Bridges Project, a local group of citizens working to improve race relations in Marion County, invite you to join them in a transformative conversation aimed at encouraging racial and cultural cooperation.

How to Spot Fake News October 12, 10:30am-12pm › masterthepossibilities.org Managing Editor of the Ocala Star Banner Jim Ross tackles the subject of “fake news” and how to distinguish it from actual news. Ross will examine where we are, how we got here and where we should be heading.

Beekeeping—Past, Present, and Future

October 12, 1-3pm › masterthepossibilities.org Learn about the latest trends in beekeeping and the problems facing our

Laughter Yoga

October 23, 2-3pm › masterthepossibilities.org You’ve heard laughter is the best medicine, but are you aware of the physical, emotional and spiritual benefits of laughter. Laughter can boost immune function, pain tolerance, cardiovascular health and memory. Certified Laughter Leader Jill Carel will introduce you to the popular practice of Laughter Yoga and lead you through exercises.

Infusing Olive Oil

November 11 › 11am, Brookvsille › floridaconcerts.org Learn to safely infuse olive oil with your favorite herbs at an organic olive tree orchard.

The Write Stuff: What Your Handwriting Reveals About You

November 12, 1-4pm › masterthepossibilities.org Practiced for more than 100 years, graphology is the science of handwriting analysis.

Participants will learn to assess movement, spacing and the form of a person’s handwriting, as a way of understanding the writer’s character, personality, thought processes and life experiences.

Nuisance Wildlife

December 19, 10-11:30am › masterthepossibilities.org This free course addresses the issue of problems with nuisance wildlife and what you can do to resolve them.

Mobile Sculpture Workshop (Ages 14+) The Beers That Changed History

January 16, 5-6pm › masterthepossibilities.org Beer writer and historian Mark DeNote will walk students through tasting five craft beers that changed beer history.

January 19, 1-3pm › appletonmuseum.org Held in concert with the La Diaspora: Keepers of Heritage exhibition, this workshop, led by artist Carmen Rojas-Ginés, will introduce students to basic model making using tools and malleable materials.

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The Sunshine Snakes How much do you really know about Florida’s snakes? By Cynthia McFarland Welcome to Florida, snake capital of the United States.

That’s right. Florida claims the distinction of having more snake species than any other state in the country.

For someone like Dr. Coleman M. Sheehy III, collection manager for the division of herpetology at the Florida Museum of Natural History in Gainesville, this is great news.

“For people like me who love snakes, Florida is the best place to be,” says Sheehy.

If you don’t qualify as a “snake lover,” you needn’t pack your bags and leave the state, though. Of the 50 species of snakes found here, only six are venomous and present any danger to humans. (Some non-venomous snakes can grow large and inflict painful bites if handled, and a large Burmese python can be dangerous even though it is non-venomous.)

Florida’s venomous snakes include the Eastern coral snake, copperhead, cottonmouth (water moccasin), Eastern diamondback rattlesnake, timber rattlesnake

and pygmy rattler.

All but the coral snake fall into the category known as “pit vipers.” Every other Florida snake species is harmless and plays a vital role in our ecosystem by eating insects, rodents and small prey. So if you see a snake, the odds are, it’s non-venomous. Even the venomous snakes are not aggressive and generally do whatever they can to avoid contact with humans.

“Snakes are an important part of our Florida ecosystem,” says Sheehy. “They deserve to be here and to be protected, not persecuted.”

Venomous Or Poisonous?

Although people routinely use the words poisonous and venomous interchangeably, this is incorrect. Both adjectives refer to toxic substances; the difference lies primarily in whether that toxin is delivered actively or passively.

Venom typically must be actively injected into the victim by creating a wound of OCT ’18 › healthylivingmagazines.com

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person does not receive medical treatment.

But just because someone is bitten by a venomous snake does not mean they’ve been envenomated, which is the correct term to describe what happens when a venomous snake uses venom when biting.

Come again?

Venomous snakes can choose whether to inject

Coleman Sheehy with gulf marsh watersnake

the plant or insect doesn’t do anything to deliver the poison.

“There are actually two examples of poisonous snakes, and at least one of them is also venomous,” observes Sheehy.

“One is a sea snake that lives in the Pacific and Indian Oceans, and the other lives in Southeast Asia. However, there are no poisonous snakes in Florida, or even North America.”

Snake venom is made up of various proteins that have different effects in the victim’s body, affecting almost every organ in some way. A common reaction is the breaking down of red blood cells, which can be particularly catastrophic to the cardiovascular system.

Death of tissue in the area of the bite (local necrosis) and even organ failure leading to death can result if the

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only five or six actually die, so although you don’t want to be a statistic, it’s comforting to realize that death is extremely rare, even if you are bitten.

In the majority of cases, snake bites can be completely avoided. There’s a reason a high number of snake bites occur on a person’s hands

Photo by Kristen Grace - Florida Museum

some sort. (Think fangs, barbs, pincers, stingers, spines, spurs, etc.) Just placing venom on unbroken skin isn’t enough.

Poisons, however, are harmful when the victim touches or consumes a poisonous organism. (Think poison ivy, oleander, certain wild mushrooms, various frogs and toads, etc.) The act of poisoning is passive because

venom when they bite.

The snake uses his venom supply for hunting prey to eat, so he doesn’t want to waste it. When a venomous snake is cornered, provoked or handled, he may bite to defend himself, but he doesn’t always inject venom. This is referred to as a “dry bite,” and it’s common. Herpetologists report that more than half of all rattlesnake bites turn out to be “dry.” This doesn’t mean it won’t hurt, but the victim isn’t envenomated.

Common Misconceptions According to the Centers for Disease Control and Prevention (CDC), approximately 7,000 to 8,000 people in the United States are bitten by venomous snakes each year. Of those,

and arms. It’s because they were handling the snake.

“Usually it’s because the person is trying to catch or kill the snake,” says Sheehy. “Just go the other way! If you see a snake, leave it alone; 99 out of 100 times, if you leave it alone, you’ll never see it again. Trying to kill or catch it puts you at significant risk.”

And just because a venomous snake is dead doesn’t mean it’s safe to touch.

People are often bitten when they pick up the severed head after killing a snake by chopping off its head. That’s because the snake’s bite reflexes remain active for hours after death.

Sheehy says that one of the biggest myths about Florida’s snakes is that they are dangerously aggressive and will chase you. This is often said of

cottonmouths, but Sheehy says it simply isn’t true.

“Snakes can be defensive, but there’s a difference between defensiveness and aggression.

If you’re cornering a snake and trying to catch it, it’s going to be defensive,” he explains. “On two occasions, I’ve had a snake crawling toward me, and when I stood still, it coiled up between my feet, thinking of me as a hiding place.”

People also erroneously assume that any snake in the water is a cottonmouth and, therefore, venomous.

“Cottonmouths are semiaquatic, but all snakes can swim,” says Sheehy.

And what of the old wives’ tale that says only venomous snakes swim on the water’s surface?

“A cottonmouth will commonly swim across the water with its head slightly raised and its body on the surface,” notes Sheehy.

“Water snakes (which are nonvenomous) most often will swim underwater, but they can also swim on the surface.”

Sheehy adds that one very common misconception is that a coral snake has fangs in the rear of the mouth and has to chew to inject venom.

“This is completely false,” he says.

The Eastern coral snake does have fangs, but they are rigid and tiny (no longer than

one-eighth-inch) and located at the front of the mouth. Coral snakes aren’t in the rattlesnake family, and they don’t coil up.

They pose almost no danger unless someone tries to pick one up or capture it.

Sheehy adds that there are two non-venomous Florida species that mimic coral snakes because they also have red, yellow and black bands.

Unfortunately, king snakes and scarlet snakes are often killed by people mistaking them for coral snakes.

On an Eastern coral snake, the red and yellow bands touch, but on the king and scarlet snakes, the red and black bands touch.

Just remember “red on black means venom lack.” Another way to remember it is “red on yellow can kill a fellow, red on black is a friend of Jack.”

While we’re on the topic of misconceptions, if you’re fortunate enough to find an entire shed snakeskin, this doesn’t actually indicate the length of the snake.

“The skin stretches when the snake sheds it,” says Sheehy. “So if you find a sixfoot-long snake skin, it doesn’t necessarily mean the snake was exactly that long. But that was still a big snake!”

Staying Safe Just so you know, there’s no product out there that effectively repels snakes.

Commercial snake repellents are, in Sheehy’s words, “a total joke.” There are certainly things you can do to discourage snakes from hanging around your property, but they don’t include scattering mothballs or using “snake-be-gone” sprays.

If snakes have a place to hide and food to eat, they’re happy to stay, so the main thing you can do is eliminate places where snakes can crawl under and hide (wood piles, tarps, lumber, thick vegetation,

debris), especially if these also attract food for snakes, such as insects and small rodents.

You may be thinking, OK, that’s fine for around my house, but what about when I’m out hiking?

If you’re walking in the woods, you’re in a snake’s habitat, so be aware. Wear closed-toe boots or sturdy shoes when walking in wooded areas or near water such as ponds to avoid a potential bite if a snake is accidentally stepped on or kicked while exploring. Avoid deep grass and brush, and if you spot a snake, simply leave it alone and head in the opposite direction. And don’t worry. He’s not going to come after you.

Treatment Protocol If bitten by a venomous snake, seek immediate medical attention so the attending doctor can determine if treatment with antivenom is needed. Because antivenom itself can cause side effects, sometimes severe, it’s usually only administered in situations when there’s significant toxicity or a high risk of toxicity following a venomous snake bite.

Antivenom is typically given in a series of injections to stop the progression of symptoms. There is no set amount. The doctor determines on a case-by-case basis how much is needed.

When antivenom is not required, the wound will be thoroughly cleaned and the patient is usually given a tetanus vaccine.

Learn More › FOR HELP IDENTIFYING SNAKES, CHECK OUT https://bit.ly/2N5o452 OR EMAIL A PHOTO TO coleman3@ufl.edu AND DR. COLEMAN WILL IDENTIFY IT.

Snake!

WHAT TO DO IF BITTEN BY A VENOMOUS SNAKE: • Seek immediate medical attention.

• Once you get medical help, describe the snake (or show a photo if you took one with your phone), as knowing the kind of snake can aid in treatment.

• Remain quiet and calm.

• Remove any rings or jewelry that could restrict circulation if swelling occurs.

• Keep the bite below the level of your heart.

WHAT NOT TO DO: • Don’t try to capture the snake.

• Don’t apply a tourniquet.

• Don’t cut the wound open.

• Don’t apply ice or soak the bitten area in water.

• Don’t drink/take/do anything that accelerates your heartbeat or thins your blood (aspirin, caffeine, alcohol, cigarettes).

• Don’t wait to see if you develop symptoms before seeking medical help.

And by the way, never try what you’ve seen in those old Western movies, slashing an “X” over the bite area with a knife to try and suck out the venom. It will just make the wound worse.

THE FOLLOWING GENERAL SYMPTOMS MAY OCCUR FOLLOWING A VENOMOUS SNAKEBITE, BUT AGAIN, YOU SHOULD SEEK MEDICAL ATTENTION RIGHT AWAY AND NOT WAIT TO SEE IF ANY OF THESE DEVELOP: • Two puncture wounds • Swelling and redness around the wounds • Pain at the bite site • Difficulty breathing • Vomiting and nausea • Blurred vision • Sweating and salivating • Numbness in the face and limbs

OCT ’18 › healthylivingmagazines.com

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planted without a single break for food, sleep or water. In fact, not a single drop of sweat has formed, although a couple of drops of oil did drip onto the fertile soil.

This is no ordinary Florida farmer. This fellow is made out of steel, plastic, circuit boards, plenty of wiring and four rubber tires. This farmer is an agbot, an agricultural robot, and he (or she) (or it) is a machine that can work tirelessly for days or even weeks on end without a single break.

Agbots can till fields while navigating virtually any terrain, plant seeds, water and fertilize plants, test the soil for pH levels, nutrients and moisture content, destroy any weeds that pop up, monitor plant health and harvest the final crop. Of course, they all need some human assistance, but a single machine can now replace a phalanx of human laborers.

21ST CENTURY FARMHANDS

At the turn of the 20th century, a typical farm would be loaded with farmhands, strong men hired to perform the backbreaking labor needed to plant and harvest crops. The farm owner owned the land and called the shots, but the bunkhouse housed the men who made it all happen.

In the brave new agricultural world to come, experts envision an empty bunkhouse. Researchers predict that the average farmer may need one, or possibly two, assistants to help run an entire farm.

And what will these new farmhands be required to do?

They will program the machines for the specific job at hand; fuel or charge the machines, if needed; load them with seed, fertilizer, water, insecticide, herbicide or whatever component might be needed at the time; and then monitor the machines for any emergency situations that might arise as they go about the business of farming the land. The rest of the farm work is left up to the machines.

WHY USE AGBOTS?

Agriculture has been around for about 10,000 years. During that time, little has changed in the basics of crop production, but the amount of food produced and the way we farm the land has recently changed tremendously. The steam engine, combustion engine and use of electricity

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ushered in new eras in farming. Now, it looks as if farming is on the brink of a new revolution—the robotics revolution.

Whereas earlier changes in technology led to changes in farming techniques, these new changes are fueled by another catalyst. Today, the primary factor behind the need to produce food differently is a burgeoning world population. Ten thousand years ago, it is estimated that a mere 5 million people inhabited the planet, and most village groups lived very isolated lives. Today, the world population is at 7.7 billion, and the entire planet is virtually one massive village.

When you take into consideration the fact that it took all of human history up until 1804 for the Earth’s population to reach 1

billion, and now it only takes approximately 12 years to add another billion, it is plain to see that food production must find effective ways to keep pace with all the new, hungry mouths to feed. The world population is projected to be almost 10 billion by 2050, and this will require a 70 percent increase in food production to adequately feed this many people.

One of the ways scientists hope to cope with this looming problem is through technological advances in the field of robotics. Companies like Deepfield Robotics, Case International Harvester and many others, working in conjunction with universities and research institutes worldwide, are producing machines that can work tirelessly and in tandem (either

nd a n g o n i i t m za r i a WHAT CAN r f e AGBOTS DO? t o t u t p ” n . e a m r t o r tu c o u p f t r th a ha as im e Smi t d i n v a e y r —D e v e v ie ill b l e e h t b sw n I i “ tic r o t o c rob s a tra a with human farmers who are driving other standard farm machines or with other robotic devices) to tend crops spread over vast areas of land.

Scientists are going beyond just creating

machines that simply follow human instruction, they are producing machines with what is called autonomous perceptions, the ability of a machine to comprehend its environment and make independent decisions concerning that environment.

This type of machine is the product of artificial intelligence research taking place worldwide.

Agbots are presently being developed that can discern the difference between a crop plant and a weed in daylight or total darkness. The machine can then either physically pull the weed out of the soil or spray it individually with a small spritz of herbicide. Researchers estimate that this type of weed eradication uses anywhere from 40 to 90 percent less chemicals than blanket spraying. Some agbots can do the same with insects, spraying a mist of insecticide directly onto individual bugs— once again reducing the use of insecticide by a great percentage.

Agbots can discern obstacles in their path, such as approaching vehicles, humans, farm animals, etc., either stopping to let them pass or going around them and continuing on. Australian researchers have developed solar powered robots that can map entire fruit orchards using lasers, giving farmers precise growth measurements in real time. Other agbots can “look” at individual fruits on a vine or tree, analyze their density and color to

determine if they’re ripe and then harvest only the ripe fruit.

There are also agbots that shear sheep, milk cows, pick fruit as small as a strawberry, graft plants and even debone slaughtered chickens.

AGBOTS WHO NEEDS THEM?

David Smith is a fourth generation Iowa grain farmer. He, unlike his father, grandfather and great-grandfather, went to college in order to become better acquainted with the business end of farming.

“My father encouraged me to learn the business aspects of the farm. In his father’s day, farming consisted of planting, caring for and harvesting a crop; today’s farmer has to be part scientist, part lawyer, part businessman and then part farmer. Both him and I believe that computerization and robotics will be as important to farming as a tractor in the very near future.”

According to information supplied by the USDA National Agricultural Statistics Service, approximately three-fourths of all the land in Iowa is devoted to growing crops with almost 90,000 farms covering the state. The average size of a farm is around 345 acres, and some cover thousands of acres.

“When most people think of farmers, some still seem to see us walking behind a horse-drawn plow, but farming has really changed in the last century,” says Smith.

“Farm size in Iowa keeps growing year after year, and the larger the farm, the more work is required to farm it. Labor is a necessity, and nothing can work harder than a machine. At this time, the technology looks good, and I see the machines starting

to appear out there, but the cost has to make it economically sound for us to invest in them. The price of the machines has to equal or be less than the price we pay for human labor to do the same job. I look forward to the day when I work side by side with robotic farm machinery. I mean, I’m up at 4:30, and I finish my day by the headlights of my tractor. But I’m only human, I have to rest, and I can only work so many hours in a week. But these new machines, they will be able to work 24/7. While I am sleeping, my tractors can be ploughing or harvesting. That’s huge. Especially if we’re being pushed by bad weather. I welcome the machines; we’re just waiting for the right price so we can take advantage of all they have to offer.”

Smith explains that the robotic devices being perfected now will definitely take some of the “hands on” out of farming, but that is the trade-off for lower labor expenditures, continuous labor supply and more scientifically precise farming methods that the machines will provide.

“Right now, we’re utilizing what machines we can,” he says. “As soon as they become available and we can afford more, we will definitely be searching the market for the ones we can best use.

Two years ago, we bought our first flying drone, and we’ve added another this year.

We’re really pleased with the results. We use them to fly over our crops, and they provide us with information as to how healthy our plants are. We can immediately see if they need water or fertilizer or if disease or pests might be present. They are relatively inexpensive compared to satellite imagery or plane flyovers.”

PREPARING FOR THE FUTURE

“There’s no doubt in my mind, robots or agbots or whatever you want to call them, are the future of farming,” says Smith.

“With the amount of food it’s going to take to feed the entire world in a few years, it will simply be beyond the capability of ‘normal’ farms and farmers to provide it all. I want my sons and their sons to be able to continue to farm our land, but most important of all, I want them to be able to have food on the table to eat for themselves and their families, and without robots on the farm, that may not be possible in another hundred years.”

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alerie Greene* was fully aware that flying is one of the safest methods of travel. She’d actually flown for a number of years before debilitating anxiety symptoms struck in her early 20s.

The increased security measures following 9/11 added to her anxiety about flying, but it wasn’t until she missed her sister’s wedding because she couldn’t make herself board a plane that Valerie had to admit she had a problem that was affecting her life.

Aerophobia, the fear of flying, is a phobia that affects approximately 6.5 percent of the world’s population. Until the wedding disaster, Valerie did what most people do to “deal” with their phobias: She simply avoided flying.

o

r

Avoidance Is Common “The reality is that most people don’t go to mental health providers to seek professional treatment for phobias. Their ‘solution’ is to deal with their phobias by avoiding the things/situations that cause them anxiety,” notes Donald J. Baracskay II, MD, MBA, MSCIS, chief executive officer and medical director at The Centers (thecenters.us), a private, non-profit organization with two locations in Citrus County and two in Marion County.

According to the National Institute of Mental Health, an estimated 6.3 million American adults are affected by specific phobias. Somewhat more common

10

Top Top

Phobias Phobias

1. Arachnophobia: fear of spiders 2. Ophidiophobia: fear of snakes 3. Acrophobia: fear of heights 4. Agoraphobia: fear of open or

crowded spaces

5. Cynophobia: fear of dogs 6. Astraphobia: fear of thunderstorms 7. Claustrophobia: fear of small spaces 8. Mysophobia: fear of germs 9. Aerophobia: fear of f lying 10. Trypophobia: fear of holes

in women than in men, phobias that arise in adulthood often come on suddenly and tend to be longer lasting than childhood phobias, which often disappear over time.

In adults, the majority of phobias don’t go away without treatment.

The word “phobia” comes from the ancient Greek word “phobos,” which means “fear.” In general, “phobia” refers to an excessive or irrational fear that causes anxiety symptoms by experiencing or even just thinking about a certain thing or situation. Physical symptoms can resemble a classic panic attack and may include increased heart rate, shortness of breath, choking feeling, sweating, upset stomach/ nausea, diarrhea, trembling or shaking, numbness or tingling sensation and dizziness or lightheaded feeling.

People may experience similar anxiety symptoms due to very different types of phobias. Animal phobias (fear of snakes, spiders, dogs, etc.) are the most common specific phobias. There are also situational phobias (fear of flying, being in a closed-in space, driving over a bridge, etc.) and natural environment phobias (fear of heights, storms, water, etc.)

What Causes Phobias ?

It’s easy to understand how someone might develop claustrophobia if they were locked in a closet while playing hide-and-seek as a child or cynophobia if attacked by a dog.

Indeed, some phobias are the result of a traumatic experience.

In the case of the hide-and-seek or dog attack traumas, if the person receives intervention and treatment promptly, this may prevent them from developing an actual phobia.

There are cases when a person can develop a phobia because of an experience and also develop post traumatic stress disorder (PTSD), but Baracskay points out that a phobia and PTSD are two very different things and can require different treatment.

Some phobias can develop from learned behavior. For example, let’s say a child is raised by a parent who has an extreme fear of spiders, which happens to be one of the most common animal phobias worldwide.

If that child is repeatedly warned about the dangers of spiders and witnesses the parent’s ongoing fear and anxiety, the child is likely to respond with fear and

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may develop arachnophobia, which is the fear of spiders and other arachnids, such as scorpions.

Parents should realize the importance of helping children cope with fears, rather than reinforce or avoid them. Don’t make light of fears and scary thoughts, and never ridicule a child for having them.

Model positive behavior so children can learn how to work through fears. For example, if your child is frightened of a friendly dog, don’t reinforce that fear by avoiding the animal entirely. Show the child how to engage the dog in a safe manner and praise even small acts of mastering fear.

Talk to your pediatrician if your child’s fears continue to be excessive or interfere with normal activities.

Diagnosis and Treatment You may have a strong dislike of snakes and avoid them at all costs, but that doesn’t necessarily mean you have ophidiophobia (fear of snakes).

Baracskay explains that the distinction between an actual phobia and just having a general dislike or fear of something is that with a phobia you not only take extreme measures to avoid the thing/situation, but you have distressing anxiety symptoms if you can’t avoid it or even if you think about it.

Diagnosis of phobias typically involves taking the patient’s medical and psychiatric history as well as an exam to rule out any physical conditions/illness that might be causing/contributing to the fears and anxiety. A mental health provider can then use clinical interviews and assessments to evaluate a specific phobia and determine the best course of treatment, which typically includes a combination of cognitive behavioral therapy, visualization exercises or relaxation techniques.

The cognitive behavioral therapy used to treat phobias usually involves systematic desensitization or exposure and response prevention (ERP) therapy, during which the patient is gradually exposed to the thing/situation that frightens them until they are able to deal with it calmly. For some people, visualization is helpful, as they “see” themselves dealing with various aspects of the thing/situation and, especially, visualizing themselves after having successfully dealt with the issue.

Relaxation techniques (deep breathing, pressing your fingertips together, closing your eyes and repeating a specific calming word, etc.) can reduce anxiety symptoms by helping the patient focus on mentally and physically relaxing.

There is presently no medication that is U.S. FDA-approved to treat phobias. When someone has a situational phobia, such as fear of flying or claustrophobia, the health care provider may recommend temporarily

taking a benzodiazepine, such as Xanax or Ativan, which are sedative-hypnotic, short-acting drugs that can help reduce anxiety caused by the person anticipating the situation. This can be useful when someone has to confront their phobia for one specific time, say, taking a flight to an important event. These medications don’t deal with the phobia itself, only the anxiety symptoms brought on by the phobia.

“As a psychiatrist, I don’t recommend using drugs as the primary treatment for phobias,” says Baracskay. “Even if you try to use antidepressant drugs to deal with the resulting anxiety symptoms, in my opinion the risks outweigh the benefits because the patient is having to take medicine every day for a phobia, which may only cause anxiety symptoms for a few minutes a month. Also, many of these drugs have side effects and are addictive.”

“phobia”

Baracskay explains that when dealing with mental health issues, a complete “cure” may not be the ultimate goal so much as the person being able to live a normal life.

“If someone is spending an inordinate amount of time avoiding something because of a phobia, that’s not having a normal life,” he notes. “They can get therapy and find themselves where the phobia is no longer controlling them and impairing their life. The real question is not whether they’re completely ‘cured’ but whether they can live a life of quality without the thing they fear causing significant impairment. If they can’t avoid the thing/situation, learning how to tolerate it may be the ‘cure.’”

Baracskay recalls that when he was doing his residency at Cleveland Clinic, there was a patient who sought help due to overwhelming obsessive compulsive behaviors, in particular, excessive cleaning due to fear of germs.

refers to

an excessive or irrational fear that causes anxiety symptoms by experiencing or even just thinking about a certain thing

*name has been changed to protect privacy

or situation.

“When he came to the clinic, this individual was spending up to 22 hours a day compulsively cleaning and sterilizing items,” says Baracskay. “With treatment, his behaviors were reduced to about nine hours a day, but that’s still not living a ‘normal’ life.”

In most cases, specific phobias can be successfully treated. (It should be noted that social phobias are a distinctly different phenomenon from phobias about a specific thing/situation and require different treatment methods.)

As Baracskay noted, most people with phobias don’t seek professional help, but that doesn’t mean other help isn’t available.

“There are many self-help books on getting over fear of fill-in-the-blank,” he says, noting that some such books can teach techniques on dealing with phobias.

He adds that chat rooms and online support groups are also available, and people may find these beneficial.

Flying Fearlessly Let’s catch up with Valerie. After 10 years of no flying (and missing her sister’s wedding), she decided to confront her phobia with professional help.

She also had an incentive: Her husband had raised the idea of an overseas vacation, and Valerie really wanted to go, even though it meant getting on a plane.

Rather than just take medication to “get through” the flights, she decided to seek therapy to overcome her phobia.

Over the course of six sessions, Valerie worked with the therapist using systematic desensitization and visualization. The therapist also helped her create a series of relaxation techniques to employ when she felt anxiety rising.

Eventually, Valerie was able to visualize herself going through each step of the process, from packing, arriving at the airport and going through security to then boarding the plane, taking off and landing. Any time anxiety arose during the visualization process, the therapist walked her through using her relaxation techniques to regain a feeling of calmness and emotional control. With practice and repetition, Valerie was able to return to a relaxed state more quickly.

Valerie and her husband did indeed take that overseas vacation. She later reported to her therapist that she was able to maintain a feeling of calm throughout the flight.

OCT ’18 › healthylivingmagazines.com

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a sizeable increase

University of Florida Health reported in a new study that Florida’s obesity rate may be higher than previously thought. Using information collected from a clinical database, researchers analyzed an obesity rate of 37.1 percent in Florida, one which was originally thought to be 27.8 percent.

The difference comes into play when comparing the two sources data was collected from: the OneFlorida Data Trust and the Behavioral Risk Factor Surveillance System (BRFSS). The OneFlorida Data Trust is a collection of medical records documented by health care professionals. The data is pulled from measurements that took place during medical visits that were inputted into the system. The information obtained from the BRFSS was self-reported during a 2013 phone survey.

Matthew Gurka, Ph.D., is the study’s senior author.

He notes people’s tendencies to “over-report their height and underreport their weight.” This leads to discrepancies found in the data.

Overall, the geographic variation in the data presented for Florida’s obesity rates is significant, with counties’ obesity rates ranging from 25 percent to over 45 percent. Even so, health information plays a large role in determining how legislators allocate resources. Accuracy in statistical reporting is important in order to aid the general public.

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H E A LT H Y

vibe

ready to retire Although Florida is the obvious choice, there are still many factors to take into consideration when deciding where to settle down after retirement. And besides, maybe you’re looking for a change of scenery! › By Laurel Gillum

W

location

Chances are you have a basic idea of where you want to retire. If you have lived up north for an extended amount of time, you may want to fly south. On the other hand, you may love the mountains and the changing of seasons. Use these ideas as a point of reference when thinking about where you would like to make your new home.

If it’s within your means, take a vacation and visit a few prospective locations to find one you love. Try out the activities they have to offer, eat at a few restaurants and

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cost immerse yourself in the local culture.

Offering their advice to seniors, experts say to seek an area with a population of at least 10,000. A more populated city or town is likely to have nearby amenities, including shopping, eateries and medical facilities. In addition, a retirement destination with public transit is extremely valuable for retirees who no longer drive.

safety

Prior to moving, call the local police department for a report detailing crime within the last 12 months. This report serves as a glimpse into the habits of your potential neighbors and fellow citizens.

For most of us, money will always be the leading factor in our decisions. Take into account the cost of living in your chosen area. Some states offer tax breaks for retirees, while others have a lower cost of living or lower property taxes in general.

retiring locally

Of course, if you love where you are, then stay! You may consider downsizing or moving to an apartment or condo if you’d prefer maintenance-free living.

Sources: thebalance.com, forbes.com, money.us.news.com

hoever said that our choices during our teen years would make the greatest impact on our lives clearly had not yet made it into their 60s. As retirement age approaches so do the decisions every retiree must carefully make, including where to settle. Will you choose the home near your favorite coast or the one near your newest grandchild?

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H E A LT H Y

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the great outdoors

Turns out they might have been onto something when they told us to stop and smell the roses. › By Laurel Gillum

A

ccording to research, the effect of nature on one’s mental and physical health is worth going outside for.

A recent study from scientists at the Harvard Chan School’s Department of Epidemiology, linked the benefits of nature, namely for women, to longevity.

After a survey of more than 108,000 women, investigators concluded that the subjects who lived in areas with dense vegetation had a 12 percent lower death rate than women who were not surrounded by as much greenery.

Not yet convinced? Here are a few more of nature’s promising benefits.

STRESS. Various researchers have found a decreased heart rate and lower levels of cortisol in those who live in rural areas, opposed to those living in cities. Tree therapy? It’s a thing.

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DEPRESSION. Endorphins are chemicals released in our bodies that contribute to our positive emotions. These are specifically released when we exercise.

Exercising in nature? Just as beneficial, plus vitamin D.

good ol’ outdoor livin’.

VISION. Spending time outdoors reduces the risk of developing myopia, or nearsightedness. Perhaps this one has something to do with the time you spend looking at a screen versus the time you spend looking at nature.

STARGAZE. Spread out a blanket and listen to the sound of the cricket choir around you as you try to decipher one constellation from another.

CONCENTRATION. Children and adults with ADHD are often advised to spend 20 minutes a day at a park or outside due to an increase in concentration noted after doing so.

Outdoor Fun

Need some suggestions to get off the couch and get outside?

Try these fun activities for some

PLANT A GARDEN. Flowers or vegetables? We’ll leave that up to you. Either way, we think it’s time grass-stained jeans came into style.

HIKE. Find a local trail you love and make it your go-to activity when you need alone time to think or destress.

TAKE A CLASS OUTSIDE. If there are no classes to take in your area, host your own!

Watercolor, pottery, music, the options are limitless. Call some friends, and get busy!

Sources: familyeducation.com, businessinsider.com, everydayhealth.com, cnn.com

HAVE A SCAVENGER HUNT Whether you choose to get your kids involved or plan an adult-only scavenger hunt, this makes for hours of outdoor fun at a local park.

If you want to get extra creative, plan a real-life game of Clue and find out who in the park dun it!

H E A LT H Y

vibe

buds for beginners Aspiring plant parent? Start here. › By Katie McPherson

Fiddle leaf fig trees are all the rage in interior design right now, but they’re… how to put it nicely… delicate. And how many orchids will have to die in wannabe plant lovers’ hands? If you’re tired of replacing yet another wilted plant but still want some greenery in your home, you need a plant that lives the “set it and forget it” life. Here are some easy keepers that are pros at ah, ah, ah, ah, stayin’ alive.

CHRISTMAS CACTUS

ALOE VERA

This skin soother only needs water every two to three weeks.

If you choose to take one on, make sure you let its soil dry out between each watering.

Otherwise, set it in some bright, direct sunlight and ignore it until you need a cutting of one of its leaves to treat a sunburn.

The Christmas cactus is a trailing plant that blooms with red or pink flowers in wintertime. It lives its best life in bright light, which causes it to produce more flowers but also does just fine in low light. When kept indoors, it only needs to be watered about once a week and even less frequently in fall and winter to help promote its blooming cycle. Prune to keep it full and bushy.

Sources: hgtv.com, thespruce.com

SNAKE PLANT

This plant is also known as mother-in-law’s tongue, so you know it won’t go down without a fight. It does well in low light, and too much water will cause it to rot. In fact, it only needs one or two waterings indoors during the winter. It basically thrives on being ignored, so put it where you want it and walk away.

AIR PLANTS POTHOS

If you need a trailing plant to adorn a fireplace mantle or fill a plant hanger, the pothos is a nearly invincible choice. They can grow to be 10 feet long if you let them, or you can trim off small cuttings and grow new plants. Prune to keep them fuller at the base, and keep them in indirect (or even dim) light. These little guys can even thrive under fluorescent office lights.

The ultimate survivors, air plants don’t even need soil to grow. That’s why you always see these little fellows inside terrariums and delicate hanging planters. They simply need to be misted once per week to retain their moisture.

OCT ’18 › healthylivingmagazines.com

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BUSINESS & MONEY: YOUR GUIDE TO ACHIEVING FINANCIAL WELL-BEING

ready, set, recession

Some economists have predicted that the next recession will hit before 2023. Here are some money-savvy tips to keep in mind over the next few years—no matter what’s on the financial horizon.

Build your savings. Your savings account should reflect six months worth of living expenses. This ensures you have expenses to fall back on should your employment situation change.

Get a second job. At home or part time, a second job lessens the chances of finding yourself without work.

Pay off debt. Pay now to save later. Interest payments should be kept at a minimum, and your credit score at a maximum.

Make a budget. There’s no time like the present. Reduce your

Sources: money.cnn.com, moneytalksnews.com

expenses now, and begin saving for the proverbial rainy day.

PAGE

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invested in investing

An in-depth knowledge of Wall Street is not required to start investing in stocks and bonds.

If you’re looking to get started, we’ve got the primer you need to be successful. › By Laurel Gillum

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and risk aversion.

Tip from the pros: If you have an interest payment of 10 percent or higher, you should pay this debt off completely prior to investing.

Here are a few sound tips for the novice investor.

Choosing your investment.

Bonds are considered a more conservative way to invest money. Because the stock market is constantly fluctuating, bonds tend to feel more secure to the first-time investor. If you are looking to receive steady income from your investment, bonds are the better option.

Choosing the amount of your investment. Carefully review your finances before

making any kind of investment— namely, how much money are you willing to invest and where this money should be allocated.

Talk to a financial advisor.

A financial advisor will be able to help you choose what companies to invest in based on your beginner’s budget.

Open an account. Once you have selected the best investments for your financial situation, open an account at a full-service brokerage firm.

Firms with fewer services will cost less money. If you think you may have questions along the way, however, a broker who can answer your questions or offer advice will be beneficial.

Set a budget.

Professional investors recommend having at least six months worth of savings before putting money toward an investment. Shares in the stock market can range from $10 per share to thousands of dollars per share. If you have a limited budget, mutual funds may be an option to consider.

A mutual fund is a professional program that pools money from multiple investors to purchase securities.

Profit is then divvied up between stockholders.

Sources: thebalance.com, gobankingrates.com

S

tocks and bonds are popular methods in which people invest money. When someone invests in a company’s stock or equity, they virtually own a share of the company. The better a company is doing financially, the more value is placed on that stock. A bond differs in that it is a short-term loan in which an investor is rewarded interest until the full amount is paid by the issuer.

Many experts choose to invest in both stocks and bonds to broaden their portfolios. Beginners, however, may choose to limit themselves to only one investment. This decision is typically based on various factors, including money, time

Progress is possible.

Progress is possible.

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©2016. Principal Financial Services, Inc. Principal, Principal and symbol design are registe 352-629-6556 | williams.diana@princor.com and service marks of Principal Financial Services, Inc., a member of the Principal Financia Insurance products issued by Principal National Life Insurance Co. (except in NY), Princip Diana Williams Insurance Co. Securities and advisory products offeredPrincipal through Principal Securities, ©2016.Financial Principal Financial Services, Inc. Principal, and symbol designInc., are Senior Services Representative member SIPC. Principal National, Principal Life, and Principal Securities, Inc. are member and service marks of Principal Financial Services, Inc., a member of the Principal F ® PrincipalGroup Securities Registered Representative , Des Moines, IA 50392.

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fitness

check it off

Financial discussions are often boring and, well, taboo.

When it comes to improving one’s financial well-being, however, it is beneficial to take all the advice we can get.

Check out these bullet points for your end-of-year checklist.

Happy checking!

TALK TO YOUR BOSS Prepare for an honest but polite conversation with your boss. Before you ask for a higher salary, make sure to do your research. Have extensive knowledge on what the range of pay is for your title in the company and how valuable

46

healthylivingmagazines.com OCT ’18

your position is. If you go in and demand a raise for subpar work, you may not be too fond of your boss’ response.

SAVE, DON’T SPEND For those with a joint checking and savings account, make sure you agree when it comes to financial goals and restrictions. Make a list of things you both could cut back on and how much you want to save. If you are solely responsible for handling your finances, you are at an advantage. Make sure to hold yourself accountable.

PAY OFF DEBT

START YOUR TAXES

If your credit card is doing more damage to your credit score than good, it’s time to give it up.

Refrain from using credit cards and instead focus on paying off the debt they have helped you to incur. If all else fails, shred them!

It’s never too early to start thinking about tax season. If you can estimate how much you will owe in taxes come spring, you can strategically make end-of-the-year donations or find other deductibles to lower your 2018 income.

SEEK HELP FROM A FINANCIAL ADVISOR Financial planners look at your current financial situation and compare it to where you want it to be, based on your goals for the future. Professional input is beneficial if you are not sure when to save versus when to invest your money.

CONTRIBUTE TO YOUR 401(K) If your company offers a 401(k), take advantage of it by contributing as much as possible, especially if your company matches funds.

Sources: forbes.com, money.usnews.com, thebalance.com

It’s almost the end of the year. Is your financial life in order? We thought not. If you’re feeling a bit frazzled and unorganized these days, you’re not alone. Getting your life back on track may be as simple as making (and using) a detailed checklist.

Read on to find out more. › By Laurel Gillum

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fitness

a life worth insuring

It is normal to be on the fence about purchasing a life insurance policy. After all, it can be difficult to make payments on something you feel is not beneficial to you in the present. As needless as it seems in this moment, life insurance is vital if you have family members who are reliant on you financially. Here are five important facts about life insurance for both you and your family to consider.

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1. A contract is a spoken or written agreement that is enforceable by law. Likewise, a life insurance contract or policy is an agreement between an insurance company and the policyholder. In the event of death, the insurance company is responsible for paying the claim to the beneficiary from the premiums of their policyholders.

2. In the case of an unexpected passing, a life insurance policy could help with the expenses that ensue. These expenses

may include debt, mortgages, college tuition, plus the loss of a steady income. When tragedy strikes, you shouldn’t have to worry about financial strain. Life insurance is an essential tool used to combat unnecessary financial burden when coping with the loss of a loved one.

3. There are two types of life insurance: term and whole life. Term insurance has an expiration date in which your beneficiaries will receive a payout if the plan is active at time of death. If the plan expires before the policyholder passes, however, the beneficiaries will not receive any financial assistance. Unlike term insurance, whole life insurance does not rest on the contingency of an expiration date. Beneficiaries can expect a payout if the policyholder has paid their premium. Whole life insurance also accumulates a cash value for the insured.

4. Sure, the internet has

abundant information when it comes to choosing a life insurance plan, however, speaking with a live agent may be less confusing. After you have chosen a company and a plan, the application process takes about three to four weeks to process. This process is to determine whether you qualify for coverage. This determination depends on various factors, including age, driving records, habits—good or bad, etc.

Speak to a local agent who will answer all your questions before choosing a plan that’s right for you.

5. If money is your biggest concern in your uncertainty to purchase a life insurance policy, speak to a live agent about your options. In a recent survey from the LIFE Foundation and LIMRA, the average cost of a 20-year term life insurance policy for a healthy 30 year old is roughly $9 per month.

Sources: policygenius.com, forbes.com

Life insurance is more than a plan to cover funeral expenses. This unselfish investment serves as a safety net for your beneficiaries—a way to pay for college tuition of dependents, debt or other future obligations. › By Laurel Gillum

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