take a moment
 Volume 6 May 2006Important Reminder: Many users and ISPs are adding SPAM filters to their computers or servers. If you already have one, or will shortly be implementing a SPAM filter please remember to configure the filter to ALLOW email from take-a-moment.com domain, or you will not be able to receive your newsletter. Welcome to TAKE-A-MOMENT! The Take-A-Moment newsletters strive to provide quick-to-read content to improve and enhance the quality of life at home and in the work place...for when you can "take-a-moment" from your hectic schedule. Take-a-Moment is provided by the Louisville Area Cooperative Extension Agents. When you have "more-than-a-moment" visit our web site for expanded articles, article archives, sign-up and contact information, and links to other web sites of interest. ("Netiquette" statement is at the end of this email, see below.) Email subscribers@take-a-moment.com and request the PLAIN TEXT VERSION of the newsletter. Did You Know...?
C O N T E N T S
STAIN REMOVAL Use rust remover, following manufacturer’s directions. Do not use chlorine bleach on rust stain or in water that contains larger amounts of iron. Rust removers are available for white and colored fabrics. They can be found in local supermarkets, drug stores and hardware stores. Also at some appliance stores. Examples are Whink and RoVer (Maytag). Rust discoloration on entire wash load: launder using a phosphate detergent and an oxygen bleach or launder with a commercial rust remover available at some appliance service companies. No endorsement of companies or products mentioned is intended nor criticism of companies or products not mentioned implied.
FINANCIAL FITNESS Life insurance is something that can help protect a family from financial disaster if a parent dies at a young age. Usually, younger families have more debt and less money saved to cover expenses. The remaining spouse and children usually have many bills to pay without the income from the person who died. There are different types of life insurance. Some types of life insurance include a cash value. Some of the names for this type of life insurance are whole life and universal life. The premium paid for the life insurance coverage includes amounts that are invested by the insurance company. In turn, the insurance company credits cash value for loans and additional paid up life insurance. The premiums for cash value life insurance are usually high because of this. Another type of life insurance is term life insurance. Term life insurance costs approximately one third as much as the cash value types of life insurance. For this reason, term insurance makes sense for most people. It gives them insurance coverage and leaves more money available for other expenses. Term insurance coverage will still pay the face amount of the policy when the insured person dies. The difference is that no money is invested for additional cash or additional paid up insurance. Some types of term insurance have the same premium for a certain number of years. For example, if the term insurance is 20-year level term, the premium stays the same for 20 years. Other types of term insurance have a variable premium. This means that the premium increases as the insured person ages. When buying life insurance try to calculate the amount of money you will need to pay your funeral expenses, home mortgage, debts and have some money to help pay for your children’s education. When you add up these expenses, you will have a good idea of how much insurance coverage you will need. As you get older and have fewer debts, you may decide to reduce the amount of insurance protection you have because you do not need as much. Eventually, if you are out of debt, your children are grown and you have accumulated some wealth, you may not need any life insurance coverage.
FAMILY LIFE We can all learn from those individuals who have faced and overcome major problems, such as life-threatening illnesses. What do these exceptional individuals have in common? Here are some of the characteristics they frequently share:
NUTRITION & WHAT'S COOKING Fats are used for energy, energy storage, organ insulation, proper growth, and for transporting fat-soluble vitamins A, , E, and K. Fats also prove flavor and texture in foods and give us a feeling of satiety or fullness after eating. But ongoing research indicates that dietary saturated fat is lined to an increased risk for coronary heart disease, some cancers, diabetes, and obesity. Another harmful fat being examined is trans fat. Trans fat is formed when food manufactures add hydrogen (hydrogenation) to vegetable oils and make a more solid fat at room temperature called trans fat. The most common foods to find these fats are pastries, doughnuts, crackers, cakes, cookies, corn chips, potato chips, salad dressing, French fries and energy bars. Food labels are now reporting trans fat underneath the total fat section of the Nutrition Facts. Many commercial products, especially snacks and deserts will have trans fat in them. To lower trans fat in your diet, try the following:
HOME TIPS Many of you will spend more time outdoors gardening and landscaping when warm weather returns. As you plant a garden and tend your landscape, taking a few simple steps will limit water use in the beginning of the growing season and later, too. Try to group plants together by their water needs when you plant annuals, perennials and vegetables. This practice will help you efficiently provide necessary water to plants when rainfall is insufficient. Use mulch to reduce the need to water plants. Mulch helps prevent water evaporation and slows the rate at which it moves across soil. This will allow water time to reach plant's roots while helping prevent soil erosion. Water plants only when necessary. Typically, plants and shrubs need one inch of water every seven to 10 days and should be watered only when rainfall does not provide this amount. Although annuals and perennials will need frequent watering the first couple of weeks after they are planted, they only require about an inch of water once a week afterwards. By taking a few simple steps, we all can reduce the amount of water used outdoors.
WAYS TO WELLNESS National Women’s Health Week (May 14 – 20) is a national effort to encourage women to improve their health, and the focus is on incorporating simple preventive health behaviors into everyday life. A survey conducted by the American Heart Association found that most women believe their biggest health threat is cancer. In reality, for Kentucky women, heart disease claims nearly twice as many lives as does cancer, and over thirteen times as many as breast cancer. Cardiovascular disease is the number one killer for women of all races and ethnic backgrounds in Kentucky and the nation, and the female death rate from cardiovascular disease is higher in Kentucky than the U.S. Recent studies have shown that Kentuckians have a high incidence of certain risk factors associated with cardiovascular disease. Some risk factors, including age and family history, cannot be controlled. Other risk factors, however, can be changed: smoking, obesity, diabetes, high blood pressure, physical inactivity, high cholesterol, excessive alcohol consumption, and a poor diet. To decrease the risk of cardiovascular disease, women can make certain lifestyle changes. Not smoking is the single most important thing you can do. Women who smoke have a much higher risk of heart disease and stroke. Consuming excessive alcohol or binge drinking can also contribute to obesity, high triglycerides, cancer and high blood pressure. Those with high blood pressure are three times as likely to have a heart attack. Thirty percent of Kentucky adults have been told they have high cholesterol, another risk factor for cardiovascular disease. In many cases, high blood pressure and high cholesterol can be controlled through lifestyle changes such as increased physical activity, healthy eating habits, and weight loss. Women wanting to decrease their risk of heart disease should visit with their healthcare provider to design a prevention plan. For more information, go to www.4woman.gov/whw Sources: Dr. Linda Jouridine, University of Kentucky Cooperative Extension Service, Centers for Disease Control and Prevention, American Heart Association, Kentucky Cabinet for Health Services, Department for Public Health
IN THE WORK PLACE Take care of your emotional health.
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