Numerous people will be kicking off the unofficial beginning of summer (e.g., Memorial Day weekend) with BBQ celebrations.  Naturally, hamburgers, hot dogs, sausages, coleslaw, steak tips, veggie burgers, potato and tossed salads, fruit plates, and multiple other food items will be present.

And drinks?  Unsurprisingly, the usual liquids like soda and water will show up.  Still, it’s sometimes nice to invite something more refreshing to the table.

Need some ideas?  Here are a few.

• Lemonade.  Lemonade can be really enjoyable or really unpleasant.  Some pre-made versions are icky sweet and lack authenticity.  An easy, homemade recipe?  Heat 2 cups of water with 1 cup of sugar until the sugar is dissolved.  Squeeze ten to twelve lemons in a large pitcher (use a juicer if you have one).  Add about seven cups of cold water to the squeezed lemons.  Stir the dissolved sugar mixture into the pitcher, as well.  Add ice cubes and two to three thinly-sliced lemons.  Taste.  If you think the flavor is too strong, add small increments of water until you are pleased.  Too weak?  Add more lemon.  If you like a sweeter taste, add a little more sugar.  Refrigerate until ready to use.

• Iced Tea. Similar to lemonade, pre-made iced tea varies in quality.  Still, it’s hard to beat homemade.  A quick recipe?  Heat eight to ten cups of water to a boil.  Put seven to nine Earl Grey tea bags (or other black tea-types) in the water and let steep.  If sweetened tea is desired, add ½ cup or more of sugar (according to taste) while the water is still hot.  Pour into a large pitcher with ice.  If you like a lemony flavor, quarter one to two lemons and squeeze into the tea mixture (you can throw the lemon quarters in as a garnish).  Refrigerate until ready to serve.

• Mimosa. Okay, so your cookout is in the early afternoon and something a little harder than OJ is on your mind?   Then, mimosas are a great choice.  Still, fresh is best.  Squeeze eight to ten oranges into a large punchbowl (use juicer if available).  Add a bottle of Champagne or sparkling wine and one to two shots of Grand Marnier (the Grand Marnier is optional).  Put some crushed ice in the bowl to keep the beverage cool.  Garnish with sliced oranges.  Taste.  If one ingredient is overpowering, compensate by adding a little more of another.  If the mixture is too strong, add more ice.  A preferred method if only a few people will be indulging?  Keep the freshly-squeezed orange juice, Champagne, and Grand Marnier separate (no bowl is needed).  Pour equal amounts of OJ and Champagne in a flute glass until nearly full.  Top with a splash of Grand Marnier.  Garnish with a slice of orange.

None of the above beverages excite you?  You can always make a punch with fruit juice, ginger ale, and sherbet: be sure to add cut up fruit for appeal (strawberries, quartered oranges, pineapple).

Another thought?  Summer Ale.  A local brewery that makes a great version of this refreshing taste is Samuel Adams.  Add a lemon quarter to a frosty mug and pour in a cold Sam Summer.  Delicious!

Bottoms up!

Memorial Day is less than two weeks away.  The first ceremonial observance (then called Declaration Day) took place in 1868.

Today, we continue to commemorate the deceased men and women who served our country.  At the same time, Memorial Day has come to take on the remembrance of all people who have passed away.  In fact, many an individual is preparing to beautify a loved one’s grave or resting place.  Ordinarily, flowering plants are the decoration of choice, so let’s look at some common types.

Geranium. Geranium plants are a cemetery favorite for many reasons.  They produce large, beautiful foliage, come in assorted colors, and appear impressive, even from a distance.  A real bonus?  They do not require constant upkeep like some of the other flowers.  Actually, the more customary geraniums fare quite well in the sun and can impressively withstand dryness.  Even so, they still require periodic watering.
Impatiens. Impatiens plants come in a multitude of species.  The flowers produced are somewhat slight, but there tends to be many, so volume gives the appearance of rich fullness.  Many varieties require some shade; therefore, an overhead tree would make this blossom a good choice.  New Guinea types are colorful and delightful and often do well in the sun, providing the soil is regularly watered.
Petunia. Petunia plants are vast in their varieties.  The blossoms are small, but they are uniform and extremely plentiful.  Their identical size and abundance make them lush and vibrant.  Petunias do well in lots of light, so they are appropriate for grave sites.  The plant does not need constant watering; still, the soil should be well drained.
Marigold. Marigold plants are hearty and somewhat easy to care for.  They tend to have an impressively extended flowering time, and most of the energetic blossoms are typically gold or orange (depending on the particular species).  This strongly-scented plant (some might argue in an unpleasant way) even loves the sun!  However, the soil should commonly remain moist.
Silk Flowers. Silk flowers have improved in the past several years, although they continue to vary in quality.  Actually, some are so realistic that a number of people cannot tell synthetic from the real thing.  Going the silk route allows the flexibility of using different blossoms (e.g., roses, lilacs, lilies) without the worry of environmental factors.  Because certain people cannot regularly attend to cemetery flowers once they’ve been planted, this can be a convenient alternative.  Silk arrangements are especially fitting inside mausoleums where there is no sun.

Different burial grounds have respective rules concerning floral decorations, so be sure to check in advance.  Concurrently, planters or wreaths with holiday themes (such as Christmas or red, white and blue) may need to be removed within a week or two; therefore, keep that in mind, as well.  A final thought?  Cemeteries could reserve the right to remove shriveled flowers or fraying silk blossoms, as they interfere with the grounds’ beauty.

Memorial Day is almost here.  May we always honor the righteous men and women who endeavored to make this nation a land filled with hope.

Arthritis is a chronic condition that can become worse with time.  Assorted variations of this ailment affect a wide range of people.  For example, some types are rooted in autoimmune diseases, like rheumatoid arthritis and lupus.  Some involve children, like juvenile idiopathic arthritis.  Some are secondary to other conditions, like Lyme disease and hepatitis.  And some result from wear and tear on the joints as we become older, like osteoarthritis.  Our primary focus today is osteoarthritis.  Common signs of this condition include achy joints, stiffness, soreness, and swelling.   Fortunately, there are treatments to help improve these symptoms.  Let’s look at a few of the more natural options.

• Exercise. Research has repeatedly shown that exercise works wonders in helping to improve pain and mobility.  Some people may question how this is possible when moving around can be so uncomfortable.  Even so, regular, gentle movement like those found in walking, Yoga, swimming, etc., often reduce joint stress and help to strengthen muscles, improve flexibility, minimize discomfort, and enhance balance..  NOTE:  Do not begin an exercise program without the approval of your doctor.

• Proper Nutrition. Choosing the right food is beneficial for a multitude of reasons, and arthritis is on the list.  Processed meats, fast food, sugary desserts, and salty snacks can inflict chaos in the body because they can add to inflammation.  Fresh fruits, fresh vegetables, low-fat meats with minimal processing, certain fish, walnuts, almonds, extra virgin olive oil, and whole grains, on the other hand, are good nutritional choices in the correct measure because they help control weight and decrease inflammation.

• Supplements. Certain supplements have shown encouraging results in easing arthritis discomfort and helping to keep symptoms at bay.  Two common recommendations we often hear about are glucosamine and chondroitin sulfate.  Other supplements that also seem promising are omega-3 fatty acids, tumeric (contains curcumin), ginger, garlic, calcium, vitamin D, vitamin C, and vitamin E.

• Acupuncture and Massage. Increasing blood flow to painful areas by gently manipulating soft tissue may have a soothing effect on achy, swollen joints.  Additionally, the application of thin needles in strategic body points can encourage the production of endorphins and cortisol, and these chemicals have been known to decrease inflammation and pain.  Nevertheless, it is important to look for licensed practitioners who have experience treating arthritis if you try these services.

Arthritis can be debilitating, so always solicit the expertise of your doctor.  Still, it is comforting to know there are different therapies available to potentially help this condition.

Yes, we may be getting older, but that does not mean we have to live our lives in pain.  A few natural steps could be just what we need to minimize discomfort and get ourselves moving freely again.

Mother’s Day is rapidly approaching, but some people are still unsure as to what to choose for a gift.  Maybe they have considered flowers or clothing but feel these presents have lost their luster through the years. Keep in mind, nonetheless, that common gifts can be presented in imaginative ways; and when this happens, they become exciting and fresh!

Here are three “traditional” thoughts.

• Innovative Apron. So your mom loves to cook?  How about a trendy apron?  This kitchen attire has made a fashionable comeback.  Yes, the everyday standbys are still available, but chic styles are more popular than ever.  Actually, some are so impressive they may upstage the meal!  A few ideas?  Aprons with lacey frills, aprons with bold prints, aprons with unique themes, little black dress aprons, or even animal print styles.  And accompaniments that complement this present?  Perhaps a can or two of San Marzano tomatoes, extra virgin olive oil, decadent dark chocolates, premium nuts, top-quality balsamic vinegar, marinated artichoke hearts, Beaujolais wine (it’s soft, fruity, and has a wonderfully delicate finish), jumbo pimento-stuffed olives, and any other delectable treat your mom may love to have but stops short of buying because she believes the item is too expensive.

• Favorite-scented candles. Perhaps your mom has a medley of smells she enjoys.  If so, then consider an assortment of candles.  Why?  She can inhale coveted fragrances for the next half year or so.  For example, blueberries might be her burning choice in May, lilacs in June, ocean air in July, hydrangeas in August, and apples in September.  Candles come in different sizes, so you could choose medium or small jars to cut down on cost.  And candle accessories?  You can get crackled or floral candle shades, candle plates, candle charms, and even matching votive holders; these accompaniments provide an eye-catching backdrop for almost any room.  The aesthetic pleasure, coupled with the various aromas, will make Mom feel as if she is breathing in a piece of paradise.

• Artistic photo. Okay, this one takes a little ingenuity, but once you get going, it’s actually kind of fun.  First, find a cherished 2 by 4 photo of your mom (or you and your mom); you can always minimize a larger picture on a copy machine to get the right size.  Next, buy an attractive 8 by 10 frame.  On a decorative piece of 8 by 10 paper, type (or write) the traits you believe your mom demonstrates; be sure to leave a 2 by 4 space empty in the middle.  Some attribute thoughts?  Caring, generous, ambitious, loving, kind, resourceful, benevolent, dynamic, selfless, noble, compassionate, virtuous, strong, and lovely.  If you are using the computer, be sure to choose ornamental font.  Next, glue the photo in the 2 by 4 space and place the ensemble in the frame.  Wow, not only will your mom possess a treasured photo encased in a beautiful setting, but she will also be reminded of the amazing way you see her.  This present is especially fitting for moms in nursing homes.  One reason?  She can showcase the gift for all her friends to see.

Mother’s Day is May 8, but there’s still time to get the woman you love a gratifying gift.  Remember, however, the present she is apt to cherish the most is your time.  So, with that thought in mind, Happy Mother’s Day!

Nuts are sometimes classified as a wonder food because they contain impressive amounts of antioxidants. As most of us know, antioxidants fight free radicals and help deter damage at the cellular level.  When this takes place, the opportunity for health-threatening illnesses like cancer and heart disease become minimized

Naturally, people who have nut allergies should not partake in this hardened fruit because serious reactions may occur.  For the rest of us, though, nuts are a great source of key vitamins and minerals.

“Which ones?” you ask.  Let’s look at some varieties and their benefits.

• Almonds. This nut is found on the almond tree and contains a healthy dose of vitamin E, magnesium, and fiber.  It also provides a respectable amount of protein and certain amino acids.  Some studies even indicate the regular intake of almonds could lower bad cholesterol (LDL) and bolster good bacteria in the gut.
• Pistachios. Another nutrient-filled nut, pistachios are rich in oleic acid, vitamin E, potassium, magnesium, carotenes, and so much more!  They are a wonderful source of energy, and they’re kind of fun to eat (particularly if still in the shell!).
• Cashews. A classic nut favorite, cashews contain needed minerals like zinc, iron, copper, and magnesium; plus, they are skinnier than other nuts because they do not contain as much fat.  In fact, people who regularly consume nuts (cashews included) tend to lose weight instead of gain it.
• Walnuts.  Sometimes walnuts are unsung heroes; people seem to think they only serve a purpose in banana bread.  Yet, they are delicious in and of themselves.  Furthermore, they’re a fabulous source of plant protein, vitamin E, fiber, and omega 3 fatty acids.  Hmm, maybe add a few to your morning cereal?
• Peanuts. Okay, these nuts are the lowly guys.  They’re relatively inexpensive and not nearly as “la-di-da” as their above cousins.  Even so, peanuts are tasty, nourishing, and versatile.  To boot, they contain healthy fats, fiber, and B vitamins.

There are many good things that can be said about nuts.  Yes, they are high in fat, but it’s mostly the unsaturated kind, which has been shown to reduce the risk of certain diseases.  Moreover, they’re packed with vitamins, which often results in bolstering the immune system.  Not to mention, they are high in fiber, and fiber helps people stay regulated.

Nonetheless, everything in moderation; a handful is all that is needed to realize nuts’ benefits.  Also, keep in mind the salty assortment can elevate blood pressure for those with hypertension; therefore, choose unsalted if you have a propensity to this condition.

So, you want a healthy, satisfying, and delicious snack?  Then go nuts!

Last week we examined a major reason for blindness in the world, glaucoma.  This week we look at the leading cause: cataracts.

Cataracts are a cloudy fluid that forms on the lens of the eye.  Both eyes usually take on the condition, but it is possible that only one eye will be affected.  At first, sufferers may detect a glare or blurriness and/or believe they are becoming increasingly nearsighted.  Fortunately, many people in the United States have access to eye specialists who can diagnose and assess the severity of the problem.  Sadly, adequate medical care is not always available in third world countries or remote areas, and people can go blind from the condition.

The development of cataracts arises for a number of reasons.  Continued exposure to the sun’s ultraviolet rays is believed to make individuals more vulnerable to this problem.  Injury, family history, some medications, and certain diseases like high blood pressure and diabetes are also thought to put people at risk.  Cataracts that occur as a result of aging are called age-related cataracts.  Regular eye exams are important in detecting the condition.

So, are cataracts completely preventable?  Probably not.  Nonetheless, there are steps that everyone can take to minimize the possibility.

1. Wear sunglasses. People who wear sunglasses are doing substantially more than impersonating movie stars; they are helping to protect their eyes.  Be sure to choose glasses that block ultraviolet rays.
2. Antioxidants. Antioxidants are thought to be beneficial in thwarting cataract formation.  Supplements such as vitamin A, vitamin E, vitamin C, alpha lipoic acid, and N-acetylcarnosine are ones that have shown promise.
3. Limit refined sugars.  Sugars in the blood can be unhealthy for different health concerns, and cataract formation is on the list.  This may explain why diabetics are at greater risk.  Actually, minimizing refined sugars makes sense for many reasons.
4. Eat nutritionally and monitor calories.  A nutritional diet (e.g., one comprised of fruits, vegetables, whole grains, and lean proteins) and portion control have shown promise in some cataract studies.
5. Avoid smoking.  Cigarette smoke is thought to increase cataract formation in some people.  Even when smokers do quit, they may still be at risk.  If individuals continue to smoke, though, they will be at even greater risk.  Consequently, quit smoking if at all possible; there’s nothing healthy that can come from smoking tobacco.

The treatment of cataracts sometimes takes a wait and see approach.  Certain people increase their eyeglass prescription, and others use assorted visuals aids.  Keep in mind that when eyesight becomes so impaired it interferes with satisfactorily seeing the world, then surgical measures may be necessary.  In fact, cataract surgery is the most regularly performed surgical procedure in America, and it is generally uncomplicated and mostly painless.  Luckily, many individuals who undergo the treatment fare very well and maintain nearly 20/20 to 20/40 vision.  The surgery itself routinely involves replacing the damaged lens with a plastic one, and advances in the field are frequently being realized.

Seeing clearly?  I think most of us want that in more ways than one!

Glaucoma is a debilitating eye disease that can lead to blindness if not properly treated.  What happens?  The optic nerve becomes damaged and diminishes vision. Interestingly, most people know the name of this terrible condition but not nearly as many are familiar with the particulars.  Fortunately, glaucoma can usually be controlled if caught in time.  Still, the symptoms often go unnoticed at first, and because of this, a certain degree of damage could occur.

Let’s look at some important-to-know glaucoma info.

• Glaucoma is a major cause of blindness in America and around the world.  It is estimated that in excess of 60 million people have the disease.
• Many sufferers are unaware they have glaucoma in the earlier stages because there are few recognizable symptoms.  Loss of peripheral vision is typically one of the first noticeable indicators.  If left untreated, glaucoma sufferers could come to view life as if they are seeing through a tunnel; eventually, eyesight may go completely.
• High fluid pressure is common in glaucoma.  When this is the case, the pressure must be lowered to control the disease.  Nonetheless, certain individuals with glaucoma have normal or even somewhat low optic pressure.  At the same time, not everyone with elevated eye pressure has the condition (although these individuals should be closely monitored).
• There are different types of glaucoma: two common categories are open-angle and closed-angle. Open-angle glaucoma is the most common.
• Glaucoma normally occurs in individuals over 50 years of age, but some types affect juveniles.
• Risk factors for the disease includes family history, severe myopia (nearsightedness), injury to the eye or eyes, diabetes, certain medications (e.g., steroids), and thinning corneas.
• When glaucoma is brought upon by medication, it is often referred to as secondary glaucoma.
• African Americans are at a substantially higher risk than Caucasians of developing the disease.
• There are different tests eye specialists use to check for glaucoma.  A visual acuity test and visual field test are two popular types.
• There is no known cure for glaucoma, but it can be treated.  The severity of the disease will sometimes determine the course of action.  Medicines (e.g., eye drops), lasers, and surgery are all treatment options.
• Treatment does not restore lost vision but often prevents further damage.

Safeguarding your precious eyesight is crucial.  Therefore, eye exams are vital to detecting and arresting this progressive disease.  Glaucoma leads blindness, but it usually does not have to take such a path.  Regular visits with the optometrist and/or ophthalmologist can help protect your vision so you can continue to see the world around you.

Last week we touched on some basic constructs of annuities; this week we look briefly at annuity income and riders.

Annuity income is determined by different factors.  Some contracts are set up to provide retirement income for a specified period, some are constructed to supply retirement income for life, and certain plans even afford income to beneficiaries when the investor passes away.  The specifics vary from one contract to the next.

Case in point?  The fixed annuity.  Investors have a good idea as to the minimum income they will collect, but they may only receive payments for ten years because of the way the contract is written.  However, another fixed contract could provide an income for life.  Even so, a variable annuity contract may go kaput (meaning the income is gone) after a short time because of poor investment choices and/or a market plunge.  Bottom line?  Annuity income is determined by the particulars in the agreement.

Riders typically provide security and peace of mind, mainly for variable annuities.  There are different varieties, but the objective is mostly to protect the investor against outliving his or her assets.  Let’s look at two common types.

• Guaranteed Minimum Withdrawal Benefits.  This rider guarantees that the original payment for the variable annuity (hypothetically, $70,000) will be paid in a series of withdrawals independent of how well the investments are performing (as long as withdrawals do not exceed the guaranteed yearly amount).  So, if you are receiving $6,000 per year, you still receive $6,000 per year.  Sound fair?  Perhaps.  Still, if the investor passes away shortly following the beginning of the withdrawals, then the rider cost may not be realized (and riders can be expensive!).

• Guaranteed Minimum Income Benefits.  In simplistic terms, this rider allows the contract to pay a guaranteed minimum income regardless of how well the variable annuity is doing.  For example, if an individual is receiving roughly $6,000 per year in income because of favorable returns and problems then occur within the investment, the individual still gets a minimum income (theoretically, $5,000 yearly) for the remainder of the contract.

There are additional dynamics to riders besides the ones listed above; subsequently, it is best to do your homework.  Annuities can be complicated to understand, and riders may compound the confusion.  This type of investment can be very beneficial for certain investors and all wrong for others.  Therefore, it is always wise to seek the counsel of a trusted financial advisor.  Protecting your retirement income is extremely important, especially in these uncertain times.

In today’s volatile climate, investments seem to be wading in uncertain waters.  Even one-time solid choices like blue-chip stocks are swimming in rough seas.  Because of this, investors sometimes examine a myriad of possibilities to secure or help their money grow.

So what are annuities?  They are products that take the form of insurance contracts.  How do they work?  Essentially, the investor gives an up front amount or periodic payments to the insurance company.  In return for the payment/s, the insurance company allocates the investor an income.  The income can be deferred, start immediately, be paid out in intervals (e.g., monthly) or even be assigned in one lump sum; there’s a lot of flexibility regarding distribution.

Annuities fall in to two categories: fixed and variable.  Let’s briefly look at both.

• Fixed Annuity.  Fixed annuities have a type of certainty attached to them in the respect the investor has a firm grasp on both the minimum interest rate and the dollar amount he or she will receive.  In this situation, the insurance company makes the investment decisions.  Fixed annuities are often referred to as guaranteed because the insurance company assures the investor he or she will be paid a fixed income independent of asset performance.

• Variable Annuity.  Variable annuities differ from their fixed brethren in that the investor makes the decision where to put the money: mutual funds are a common choice.  Because the investor is in control, the insurance company does not guarantee the income amount.  Because of this, income varies, often dictated by how well the investment is performing.

Okay, what’s appealing about annuities?  Well, they’re certainly not for everyone.  However, for the right individuals (e.g., those who has the cash to invest), they have benefits; in particular, they allow for money to be tax deferred.  Therefore, the payment the investors put in, and the interest that accumulates, need not be declared to the IRS until an income is drawn.  By that time (typically retirement age), people are usually in a lower tax bracket.

And negatives?  There are a few.

1. Annual fees.  Fees can be high, mainly in variable annuities.
2. Commissions.  Brokers authorized to sell these products generally make a healthy commission.
3. Surrender penalties.  An investor who wishes to cash out of the investment, especially if the decision takes place shortly following the product purchase, will face substantial charges to do so.

This all sounds confusing?  It can be.  A trusted financial advisor or investment expert should be consulted before an investment of this nature is made.  Next week we will look a little more closely at annuity income and an optional attachment available on some annuity products called Guaranteed Lifetime Income Rider (what?).  Until then, though, think spring!

Okay, maybe we are reluctant to admit this, but seniors, as well as other segments of the population, have a love affair with coffee. Before our feet even touch the floor in the morning, some of us think about the pathway to the coffee maker.  Because coffee is such an integral part of some peoples’ day, let’s look at a few features of this curious drink.

Coffee seeds are housed in berries (cherries) which are grown on bushes, small trees, or trees (the type depends upon the location).  After the berries are selected, picked, and dried, the inner seeds are roasted in preparation to distribute.  The degree of roasting will have an affect on flavor: lightly roasted beans have a greater degree of fiber, and heavily roasted tend to produce a full-bodied experience.  Other factors, such as bean density, bean grade, storage techniques, and brewing methods (percolator, automatic coffee maker, boiling) also influence taste.

There are two types of beans that coffee drinkers consume: Arabica and Robusta.  Let’s look at each one more closely.

• Arabica Beans:  Arabica beans are grown in highly elevated areas and are more involved to cultivate because they require specific environmental factors (like temperature and rainfall) to realize an optimal product.   Subsequently, this coffee is more expensive to make.  Arabica beans are developed in regions like Kenya, Zambia, Columbia, Hawaii, Ethiopia, and Mexico.  Many experts believe these beans are far superior to Robusta in taste, body, and class.  The brew typically yields an earthy, complex flavor devoid of bitterness.  Coffee snobs (hey, the majority of us are snobby about something at one point or another in our lives) will drink nothing but Arabica coffee.
• Robusta Beans:  Robusta beans are much easier to grow because they are not as dependant on environmental factors.  The berries also cultivate at a faster rate, so the turnover is quicker.  In short, Robusta beans are more economical and cooperative to produce.  Naturally, there are different grades within the respective type, so some Robusta beans taste better than others.  Still, generally speaking, they are bitterer and inferior overall to Arabica beans.  Having said that, there are some wonderful Robusta blends, and certain countries mix Arabica and Robusta to produce a multifaceted personality.  Countries that cultivate Robusta beans include Uganda, Vietnam, Columbia, and Brazil.

Other tidbits to know?  Arabica beans contain less caffeine than Robusta; some Arabica blends do not even offer a decaffeinated version because the producers believe it unnecessary. (NOTE: No coffee, not even ones labeled decaffeinated, will be 100% free of caffeine).  And, data appears to be mixed concerning senior health.  Some studies indicate that coffee drinkers experience Type II diabetes and strokes at a lower incidence than non-coffee drinkers (antioxidants in the beans could be the reason).  At the same time, other studies suggest that caffeine may raise blood pressure (caffeine is a stimulant).

Bottom line?  Unless your physician advises against it, moderation is probably prudent; and our morning boost may be just what the doctor ordered!