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Anti-Inflammatory Turmeric Latte

A warm and delicious Golden Milk recipe with health benefits

There is nothing better when the weather starts to get colder than a warm beverage hug. Coffee is often a no-brainer in the morning, but as the day goes on it gets trickier to find a suitable choice to soothe that afternoon or evening need for a warm drink. Coffee and many teas offer too much caffeine late in the day, and hot chocolate spikes the blood sugar.

Turmeric Lattes, also commonly called Golden Milk, can be a great solution for a comforting cup to wrap your hands around this winter season. Not only does it avoid the side effects of other popular warm beverages, it actually offers healing benefits as well. And it’s best enjoyed in front of a fireplace.

 

Benefits of Ingredients

1) Turmeric

Turmeric is a powerful natural healing agent. It is perhaps most well-known for its anti-inflammatory properties. This means that turmeric can help with arthritis, IBS, joint pain, and indigestion.

Other noted benefits include cancer prevention, improved digestion of fats and sugars, and aids in the symptoms of insomnia, depression, Alzheimer's, ulcers, Crohn's Disease, and colitis. Wow.

2) Coconut Milk
Besides being delicious and creamy, coconut milk is said to be a powerful antifungal and antiviral supplement. It is also a great option for people who don’t handle dairy well. If you are concerned about the fat content of coconut milk, replace with any milk or milk substitute of your choice.

Avoid those hard to pronounce ingredients in store-bought coconut milk by making your own. Use 1-2 tablespoons of coconut cream per cup of water and blend or whisk together for a two-ingredient option.

3) Black Pepper
This simply helps your body absorb the anti-inflammatory effects of turmeric. Not much is needed to do the trick!

4) Ginger
Ginger, besides also being anti-inflammatory, can help aid digestion, relieves symptoms of musculoskeletal ailments, and can even promote cardiovascular health.

5) Cinnamon

Cinnamon can help regulate blood sugar and reduce pain for arthritis sufferers. It also tastes great!

6) Clove
Cloves may help balance blood sugar, and also are high in manganese which can help increase bone density.

7) Honey
This golden elixir, if allowed on your diet, is a must. Local varieties can help protect against seasonal allergies, it can be antibacterial, and it’s a natural sweetener!

 

Recipe

Serves 4

Ingredients

4 cups of milk of coconut milk

2 tsp ground turmeric

1 tsp ground cinnamon and extra to garnish

½ tsp ground ginger

¼ tsp ground clove

Sprinkle of ground black pepper

Honey to taste

Cinnamon Stick/Cloves (optional)

 

Method

1) Blend all ingredients in a blender.

2) Separate into separate mason jars to store in the fridge for individual use.

3) To heat, pour 1 serving into saucepan and heat up to 5 minutes without letting tea
boil. Stir occasionally.

4) Garnish with a sprinkle of cinnamon and a cinnamon stick or cloves.

5) Enjoy!

 

 

 

How to enjoy Thanksgiving dinner while living with diabetes

Thanksgiving is meant to be a time of community, gratefulness, and enjoyment. The last thing anyone wants to think too much about is the health of their plate. However, that is a necessary reality for diabetics during the holiday season and is sometimes a cause for stress. We’ve got you covered with a few tips and some delicious recipes that will take the anxiety out of meal planning and have you looking forward to sharing quality time with family and friends.

Speak up

Tell your friends or family you have diabetes! Don’t be afraid of being a burden. Your host will want you to enjoy your meal, so they’ll be glad you said something. If they don’t know what your diet entails, offer to chat with them about your needs or volunteer to bring some dishes of your own.

Take care of yourself

Don’t fall into the trap of skipping meals to allow for extra carbs and sugar at dinner. Eat regular meals before the big event to keep your blood sugar steady and prevent you from overindulging. Be sure to test your sugar levels and do some exercise; a post-dinner walk could be a great new family tradition!

Enjoy your meal

If you’ve planned ahead, there should be plenty of food at the table you can enjoy. But there are ways to enjoy your dinner even if you don’t have any control over the spread. Try small tastes of things that look great. Sacrifice alcohol and starches early in the meal if you’d like to sample some dessert at the end. Dive into salads and white turkey meat. And, most of all, savor what you eat. Taking the time to enjoy your meal will make you appreciative rather than making you feel like you’re missing out.

Recipes

We’ve included links to some diabetic friendly recipes you can use to substitute some holiday favorites. Be sure to compare the ingredients with the diet plan you’ve laid out with your doctor, as there is no one-size-fits-all diet for diabetics.

Sage Stuffing

This recipe replaces white bread with whole grains rather than the white bread used in most stuffing recipes.

Cranberry Sauce

Canned cranberry sauce is full of secret ingredients and harmful sugars. This fresh recipe has the zing of the traditional dish without the extra sweeteners.

Cauliflower Mash

A sneaky substitute for mashed potatoes, cauliflower mash is tasty and lower in carbs.

Turkey Pan Gravy

This gravy still contains a bit of flour, but is much lower in fat than your normal gravy and will help liven up your white turkey meat.

Pumpkin Pie

A Thanksgiving staple! This pie replaces flour with almond flour and has less sugar than your family’s recipe.

 

Remember to enjoy your holiday. The most important part of Thanksgiving is time with friends and family — the rest is just the icing on the (diabetic-friendly) cake!

Tuition waivers, scholarships, and grants make lifelong learning possible for mature University students.

The high cost of secondary education is a rather hot topic, and it’s certainly influenced most of our lives in one way or another. Perhaps you are still helping your children or grandchildren pay off their education. While so much energy is focused on funding education for younger generations, you may not have considered your own potential to return to school. Once you hit 65, you may have the option to go back to school for a reduced rate or even for free. The trend of seniors attending lifelong learning programs is on the rise, and it may be something worthwhile to consider.

While some seniors elect to go back to school in hopes of an encore career transition, many enjoy simply studying topics of interest. Mature students find this to be an excellent way to fill free time and expand their community ties. If the excitement hasn’t kicked in for you already, Science Daily quotes a study by Denise Park of the University of Texas at Dallas regarding challenging the aging mind. She says, "Although there is much more to be learned, we are cautiously optimistic that age-related cognitive declines can be slowed or even partially restored if individuals are exposed to sustained, mentally challenging experiences." Check out the many options available that give you the chance to put your brain to the test!

The Bernard Osher Foundation

A great place to start your search for senior college programs is with the Osher Foundation, which sponsors programs at over 120 schools across the nation. Iowa State University is one of the many locations of this program, which offers seniors classes ranging from 4–6 weeks at the rate of $45–$60 for a class.

While there isn’t a specific format to how an Osher Foundation program works, there are a few key consistencies amongst the programs they sponsor. Their programs are for adults 50 and older who are seeking non-credit educational programs. They have the support of the leadership at the colleges and universities involved, claim a diverse range of courses, and routinely gauge the satisfaction of course participants. You can find more information, including a complete list of schools that participate with
the Osher foundation on their website.

Tuition waivers

Many universities have tuition waivers available to senior students. In Missouri, all residents over the age of 65 attending a state-supported institution are exempt from paying tuition when auditing classes. A similar deal is offered for students over the age of 60 at the University of Kansas and Oklahoma State University. The blog A Senior Citizen Guide for College has a list you can use to jump-start your search for a university near you that offers reduced or waived tuition for seniors. This list isn’t exhaustive, so have a chat with your preferred college if it’s not on the list to see what your options may be.

FAFSA, 529, and Tax breaks

If you are interested in studying a course for credit where tuition waivers aren’t available, you still have plenty of opportunities at your fingertips. The options you came across when your children or grandchildren applied for school may apply to you as well!

Research online to find eligible scholarships for you. Be sure to fill out the FAFSA (Free Application for Federal Student Aid). If you show that you need financial assistance and are attending college at least part-time, your age doesn’t exempt you from receiving state or federal aid.

Do you have money left in a 529 College Savings Account from one of your family members? You can change yourself to the beneficiary and use the remaining money to pay your college expenses.

Last of all, remember to claim your education tax break; you’ll deserve that break after all your hard work in class!

8 tips for selecting movers you can count on

The internet promises us endless options and ease when hunting for information, and may be your natural starting point when looking for a moving company. In reality, what a google search often uncovers is shocking tales about scams you’d never even considered possible in scathing reviews on sites like movingscam and ripoffreport. With this important change in your life, the last thing you need to be worrying about is the reliability of the moving company that you are entrusting with a lifetime’s worth of memories and belongings. We’ve compiled a list of the top 8 steps you should take when selecting a moving company you can count on.

1) Talk to people

Your acquaintances, friends, and family are your best resource. Treating your social web as a hive mind is a great practice when looking for any type of recommendations. People love sharing their experiences, good and bad, when asked. Tell everyone you’re moving. You never know when you’ll come across the perfect recommendation; it may even be from your hairdresser!

Posting on your personal Facebook page for recommendations is a great way to use the internet to talk to real people. Beyond that technique, try to avoid the internet as much as possible during this initial step. Scam companies advertise online under different names, and moving brokers can suck you in with the promise of convenience just to send you a sham subcontractor. While the internet is a powerful tool, nothing can replace the value of real person-to-person interaction when looking for a mover you can trust.

2) Do your research

Now that you have a few names to work with, use the internet to do an in-depth background check of the companies you’ve been recommended to make sure they are still operating at the level your friends and family experienced. It may seem like overkill, but if you’ve heard the stories of companies who hold belongings hostage for higher fees, break prized items and refuse to replace them, or simply don’t show up on the day, a little bit of groundwork before the big day is a small price to pay for the security of a seamless move.

There are a handful of reputable sites where you can check your potential moving company’s legitimacy. The Better Business Bureau is a good place to start, although not a completely unbiased resource. The Department of Transportation keeps a database of licensed movers for interstate moves. You’ll need the name of the company you’re searching and their U.S. DOT number for your search, which any mover facilitating interstate moves legally must have. Laws from state to state vary surrounding licensing, so you may have to dig a little deeper for information if you are moving in state. AMSA’s website lists reputable moving companies, but isn’t an exhaustive list. And don’t underestimate the power of the consumer; be sure to look on sites like Yelp and Consumer Affairs. Just remember to cross check any reviews you read with multiple sources.

3) Meet in person

You should never hire someone to move your belongings without first meeting in person. This will help you cut down on internet scams, but it also gives you a chance to get a feel for if they are the right company for you. Stop by their office to make sure the address is legitimate in addition to having them come by your house for a formal meeting and a home estimate.

If you can check out their vans on either of these visits, make sure there is a permanent sign on the van’s side. Taking note of the van will help protect you from companies who swap names to avoid the consumer reports. If a van shows up on moving day that is unmarked or has a name different than when you first met, fire the movers immediately.

Also, have them really take a look around your home. They should be asking you questions about how much you intend to bring, if you are packing any items in the pantry or freezer, if you are accumulating more or having a garage sale before the move, and what the layout of your next home or storage facility is. If they don’t ask these questions, move on to the next company on your list.

4) Talk through their plan

A moving company worth your trust will have a plan in place for your move, and should be able to explain it to you. This includes wrapping furniture items, using moving pads, and measuring doorways to prevent damage to your home and belongings. If you are engaging the company to pack your items, they should also have a plan in place for how that will be managed as well.

5) Ask about insurance

Insurance is an important thing to understand when planning for your move. Your homeowners or renters insurance policy is unlikely to cover your belongings when they are in transit. While all moving companies are required to assume liability for your belongings if lost or damaged, the standard coverage they offer is 60 cents per pound. Many companies will also refuse responsibility for damage to your belongings if you pack them yourself. If they don’t offer full coverage or you’re planning to pack for yourself, consider arranging your own moving insurance with a company like movinginsurance.com. Also, be sure they have Workers’ Compensation to protect yourself against liability if a job-related injury occurs on your property.

6) Understand your estimate

A common scam untrustworthy movers employ is lowballing the estimate to be competitive and holding items hostage until you pay their inflated prices upon delivery. So, first ask yourself: does this price seem fair? If it seems too good to be true, it probably is.

Find out how they calculated your estimate. Is it priced by hour? By mile driven? By weight? Is gas included? Have they accounted for all of your possessions? How about for staircases, elevators, or heavy items? If they charge by cubic feet, move on to another mover. Covering these bases will ensure an accurate estimate so you don’t get any surprise fees on moving day.

If the estimate is non-binding, extra fees cannot legally exceed 10% of the original estimate. If you think you’ve been overcharged on delivery day, file a complaint with the moving company, your local Attorney General, the AMSA, and if it is a move across state lines, with the FMCSA.

7) Be wary of deposits

Do not pay a large cash deposit! Only a scam moving company will ask for this, and there is no way to guarantee delivery of items or price upon delivery if you pay a large up-front cash deposit. Most moving companies will not ask for payment until delivery, while some will ask for a small percentage as a deposit. If the deposit seems large, get an estimate from another company to be safe.

8) Check your paperwork

Don’t sign any blank contracts! The company heading should be printed on your paperwork and have the same name as the van and their listing. It should also include their contact information.

Be sure to get an inventory from the movers before they leave. You should also use this inventory sheet to upon delivery to make sure everything arrived at your new home safe and sound.

*Bonus budget tip

Move off-peak! Of course, you can’t always control the timing of a big move. However, you can get a discount if you move during slower seasons. Avoiding the first and last of the month and moving over winter, are a couple of tips for getting the best price from your movers!

If you put in a little legwork before the move, you can have full confidence in your choice in mover and be able to focus on what really matters. Acquainting yourself with your new space should be an exciting and memorable experience, and a seamless move is an important piece of that puzzle.

Here are some of the top financial scams targeting seniors and how you can combat them.

It’s estimated that senior citizens are robbed of nearly $3 billion a year in financial scams. They are so prevalent that they are often considered “the crime of the 21st Century.” Since October is Crime Prevention Month, we’d like to shed light on this horrible fraud that is affecting an estimated 10,000 seniors a day.

 

Why do scammers target seniors? 

There are quite a few reasons, according to the FBI. The top reasons include:

  1. Most seniors have a cushy “nest egg” they’ve saved up to use for retirement. They are also most likely to own their home and to have excellent credit.
  2. People who grew up in the 1930’s – 1950’s were generally raised to be polite and trusting. Scammers exploit these traits, knowing it is difficult for this generation to say “no” or just hang up the telephone.
  3. Older Americans are less likely to report a fraud. Either they don’t know how to report it, are too ashamed at having been scammed, or they don’t know that they’ve been scammed. Those who do report a crime sometimes make poor witnesses, due to the effects of age on memory.

These crimes are devastating to many older adults and can leave them in a very vulnerable position both emotionally and financially, with little time to recoup their losses. Here are two popular scams that specifically target seniors, and how you can combat them:

 

The Grandparent Scam

Also known as the emergency scam, a senior will receive a call from someone who addresses them as “Grandma” or “Grandpa,” saying they are in trouble and in need of money immediately. Occasionally, the scammer will know personal information about their grandchild, like their name, the name of their siblings and their city of residence. Other times, they don’t know much information about the grandkids and will just refer to him or herself as “your favorite grandchild.”

The reason they need money can differ. They may have been in an accident on vacation and need money to pay for medical bills before giving the phone over to the “doctor.” Other times, they were supposedly arrested for being in the wrong place at the wrong time, and needed bail money before handing their phone over to a “police officer” or “lawyer.” The scammer will always have an immediate need for money and urge the intended target to keep this need a secret. When the victim plays along with the secret, they don’t verify the story with other family members before wiring the money.

How to Protect Yourself

The Grandparent Scam is a pretty scary phone call to receive. It plays on your fear and emotions so you often overlook any fishiness about the situation. Beware that this scam is going around and call your family if you ever get a call from one of your grandchildren saying they are in need of some sort of bail-out. You can verify if your grandchild was really on vacation in North Carolina where he or she supposedly got in trouble.

Decide on a personal question you could ask your grandchild on the phone that could catch a scammer in the act. Ideas could be what their favorite baseball team is, their current address, their favorite color, or their childhood pet’s name. Be sure to choose something that couldn’t be readily found online or on social media.

 

Medicare, Social Security and Health Insurance Scams

These scams are common because every U.S. citizen over the age 65 qualifies for Medicare. There is little research needed for a scam artist to scam seniors out of some money this way. Medicare and Social Security beneficiaries will receive calls from scam operators (frequently with foreign accents), who claim to represent Medicare, Social Security or an insurance company. They claim that new Medicare, Social Security or supplemental insurance benefits cards are being issued, or that the senior’s file must be updated. The scammer asks the citizen to verify by providing their personal banking information, which is then used to commit theft.

The callers are often extremely aggressive, calling over and over in attempt to wear down the potential victim. They will say anything to try to gain a person’s trust. In some cases, they may have already obtained limited personal information such as their name, address or even Social Security number.

How to Protect Yourself

The Center for Medicare and Medicaid Services and the Social Security Administration will not call you to update information or issue a new card. If you have disclosed personal information to an unknown party, you could be at risk of identity theft. Call one of the three major credit bureaus (Equifax, Experian and TransUnion) and place a fraud alert on your credit report. This makes it harder for an identity thief to open more accounts in your name. With a fraud alert on your report, a business must verify your identity before it issues credit, and use the contact information from the credit reporting companies. You can also put a freeze on your credit reports, which requires written authorization before releasing any information from your credit report.

 

Other ways to prevent yourself from becoming a victim, according to the AARP:

  • Unlist your phone number so scammers can't get it. Consider replacing your landline with a cellphone, where scam calls are less frequent.
  • Put your address on opt-out lists with the Direct Marketing Association. Once done, national vendors won't send junk mail and you will know that what arrives is likely from scammers. If you do receive a postal scam, report it to the U.S. Postal Inspection Service by clicking here or calling 1-877-876-2455 (press option 4).
  • Check your credit reports at AnnualCreditReport.com, to ensure that fraudulent new accounts haven't been opened in your name.
  • If you need assistance, AARP Foundation volunteers can help. You can call the AARP Fraud Watch Network helpline at 1-877-908-3360 toll-free. The volunteers at AARP can talk to you about possible scams, and may be able to help you report a crime if one has been committed.

At Northridge Village, we pride ourselves on keeping you and your loved ones safe and secure. We are always here to answer questions and help any way we can. If you have any questions or would like to discuss any further measures to take to avoid senior scams, contact us at (515) 232-1000.

 

Sources:

FBI: https://www.fbi.gov/scams-and-safety/common-fraud-schemes/seniors

Grandparents Scam: http://www.aarp.org/money/scams-fraud/info-2016/how-to-beat-grandparent-scam.html

AARP: http://www.aarp.org/money/scams-fraud/info-2017/protect-parents-from-scams.html

MetLife: https://www.metlife.com/assets/cao/mmi/publications/studies/2011/mmi-elder-financial-abuse.pdf

Medicare Scams: https://www.ag.state.mn.us/consumer/publications/medicaressscams.asp

At 100 and 95 years old, respectively, Ranney Leek and Richard “Dick” Munsen admit that their memories are a little fuzzy at times, but one would have never noticed Friday afternoon as both men spoke to a group of around 30 neighbors, friends and family at Northridge Village about their experiences during World War II.

Both men are among a dwindling number of World War II veterans still alive to tell their stories of the war that began in 1939 and ended in 1945. They were in the United States Army, are both lifelong Iowans and current residents of Northridge, where their stories of bravery, heroism, and tragedy seemed to strike a chord with everyone in attendance.

Read the whole article on Ames Tribune's website