Sunday, April 21, 2013

Is coconut a superfood?


An interesting question posed and answered by Fiona Baker in an interesting and I thought informative column on this food, which she published in  Body and Soul in September 2012

A growing band of supporters - including scientists - are singing the healing and restorative praises of coconut.

They cite research and evidence to back their arguments and claim this humble, hairy fruit contains properties that can prevent, or even cure, a wide range of ailments from heart disease to Alzheimer's.

They haven't convinced everyone: the Heart Foundation strongly disputes their claims and says coconut oil in particular is an unhealthy saturated fat and should be avoided. But retired CSIRO scientist and honorary research fellow at the University of Queensland, Mike Foale, says the Heart Foundation has got it wrong. Foale has been studying the coconut palm for more than four decades and believes coconut is a superfood.

"There is both scientific and abundant anecdotal evidence of great health benefits, including increased energy, weight loss, natural antibiotic activity, cholesterol reduction and insulin stabilisation," Foale says.

While the popularity of bottled coconut water could be described as a fad, Foale is a devotee of the oil. "Coconut oil is a staple for millions of tropical coastal people worldwide and those people do not suffer from heart disease while on their traditional diet," he says.

The case for coconut
"Coconut oil is the healthiest oil on earth," says Dr Bruce Fife, who runs the Coconut Research Center in the US. While he doesn't dispute that the oil, extracted from the meat of mature coconuts, is mostly made up of saturated fat, Fife says scientific evidence shows it is a healthier version.

"Coconut oil is unique because it is composed predominately of medium-chain triglycerides (MCTs)," he says. "The size of the fatty acid is extremely important because physiological effects of medium-chain fatty acids in coconut oil are distinctly different from the long-chain fatty acids more commonly found in our diet.

"It's the MCTs in coconut oil that make it different from all other fats and, for the most part, gives it its unique character and healing properties. Few foods nowadays contain MCT. By adding coconut oil to your diet you can literally eat your way to better health."

He cites a long list of ways coconut oil has been found to benefit human bodies. He says it:
  • Protects against heart disease by increasing good cholesterol and lowering the ratio of bad and good cholesterol.
  • Helps treat malnutrition because it is easy to digest and absorb.
  • Kills disease-causing bacteria, fungi, yeasts and viruses because of the antimicrobial effects of its fatty acids.
  • Helps diabetics by slowing sugar release into the bloodstream.
  • Prevents strokes and brain disorders such as Alzheimer's and Parkinson's.
  • Boosts metabolism and increases energy because it is more likely to be burned as fuel than stored as body fat.
However, these claims are hotly contested by major organisations such as the Heart Foundation and the Dietitians Association of Australia (DAA). Fife dismisses such bodies' lack of support for coconut oil as "prejudiced and outdated".

"Saturated fats do not cause or even promote heart disease," he says, citing a 2010 research survey that looked at 21 different studies. "There was no evidence saturated fats were harmful."

The case against
While protection against heart disease is one of the claimed benefits of coconut oil, the Heart Foundation ironically strongly recommends avoiding it.

"Coconut oil, milk and cream are all high in unhealthy saturated fat, which raises bad cholesterol levels, clogs the arteries and increases the risk of heart disease," says Barbara Eden, the Heart Foundation's senior manager of food supply.

"Our recommendations are based on good-quality scientific evidence and don't recommend eating foods high in saturated fat. There are many healthier oils that don't raise cholesterol levels or increase the risk of heart disease."

DAA spokeswoman Tania Ferraretto agrees and says the evidence of any health benefits from coconut oil is inconclusive.

She believes it is a dietary fad and consumers should beware of any product that makes broad-sweeping health claims.

"It has a high saturated fat content – 85 to 90 per cent – which should be avoided," Ferraretto says. "A product like coconut oil is not ever going to provide a miracle cure. If you want to be healthy, eat a healthy diet and exercise."

Perhaps the last word should go to the findings of a 2010 research conference that concluded the effect of a particular food on heart disease should not be judged solely by how much saturated fat it contains, because different saturated fatty acids may have different cardiovascular effects.

More research is needed, but in the meantime, there's one thing we can all agree on: coconut products taste great.

Coconut oil prevents tooth decay
Coconut oil fights bacteria responsible for tooth decay and could be a healthy, non-chemical additive in toothpaste and mouthwash, Irish research suggests. Scientists found that when the oil was treated with digestive enzymes it became a powerful killer of mouth bugs that can lead to dental caries.

How much coconut oil?
The Coconut Research Center's Dr Bruce Fife recommends one to three tablespoons of coconut oil a day for health maintenance. It can be used for frying and baking or it can be added to foods such as popcorn instead of butter.
+ Coconut meat (raw): The super high-fibre content acts like a probiotic, feeding  the good bacteria in the intestines and keeping you regular.
+ Fresh coconut juice: Rich in electrolytes, it aids in hydration, providing minerals essential for bodily functions such as movement and brain function.
+ Coconut oil (from the meat): Said to have numerous benefi ts, from protecting against heart disease to helping with weight management.
+ Coconut cream/milk: High in lauric acid, it may boost your immune system and protect against viral and bacterial infections.

Saturday, April 20, 2013

Canadians struggle with retirement planning


The following was written by TALBOT BOGGS / THE CANADIAN PRESS on MARCH 26, 2013.  It was published here

 -- The news about Canadians' preparedness - or should I say lack of it --for retirement just doesn't seem to be getting any better.

Almost every other day there seems to be another story indicating Canadians right along the demographic spectrum from young to old simply have not got their retirement act together, whether it's having enough money to see them through to the end of an ever-lengthening life span or getting a handle on what kind of lifestyle they want to live and then taking the necessary steps to get the financial resources to make it possible

Here's a little sampling of a couple of studies/reports that came out recently over a period of less than a month.

A CIBC poll found that nearly a third of Canadian retirees are worried they will run out of money over the long term. Some of the reasons cited for this angst were the current low interest rates on savings and the belief that a short-term financial crisis or shock could cause cash flow problems. Fifty four per cent said they would not be able to handle an unexpected extra payment of $500 a month given their current budget.
Another study by Investors Group found that 30 per cent of Canadians are not aware of how long their savings, pensions and investments will support their desired level of retirement income.
"The connection between how much you need and the lifestyle you live is a pretty obvious one for most Canadians," says Aureles Courcelles, director of tax and estate planning with Investors Group. "Those who have no idea of how long their savings, pensions and investments will sustain their desired retirement lifestyle could be in for some unpleasant surprises. They should get to work on developing a clearer idea of how they plan to live in retirement and if the lifestyle they have in mind is financially feasible."
Another survey from the tax people, H&R Block, suggests Canadians who are not yet retired may be relying too much on government support programs such as the Canada Pension Plan (CPP) and Old Age Security (OAS) and are not putting enough away in other retirement savings vehicles and plans.
Half of non-retired Canadians plan to retire by 65 and expect the CPP to fund part of their retirement but less than a third actually know how much they can expect from CPP every month. Payments depend on your contributions to CPP while you were working. The maximum monthly CPP benefit for 2013 is just over $1,000.
As well, the age at which Canadians receive the OAS and the Guaranteed Income Supplement (GIS) is going up to 67 from 65 between the years 2023 and 2029. The OAS pays $540 a month and is indexed annually with the cost of living. The GIS pays a maximum of $732.36 a month to lower income Canadians, depending on their level of income.
The same group of Canadians listed the CPP, Registered Retirement Savings Plan (RRSP) and OAS as the top three ways they plan to fund their retirement, but "Canadians who are not retired yet may be relying too much on CPP or OAS as part of their retirement plans," warns Cleo Hamel, senior tax analyst with H&R Block Canada another quote
The government of course is trying to do something and introduced the Tax Free Savings Account (TFSA) a few years ago and now is proposing the Pooled Retirement Pension Plan (PRPP) as further vehicles to help Canadians save for their retirement.
While RRSPs are still the preferred retirement savings vehicle by 65 per cent of non-retired Canadians, younger Canadians under the age of 35 are tending to invest in the TFSA over the RRSP.
"Before 2009, the RRSP account was really the only way to save for retirement," says Hamel. "But the TFSA also offers excellent tax sheltering benefits with more flexibility than an RRSP. If you are just starting your career or a family, there are reasons to be considering a TFSA where withdrawals are not taxable in case you need to access emergency funds."
So debate and study of the retirement landscape in Canada goes on but if ever there was a need for a retirement solution in this country, surely it is now.
Talbot Boggs is a Toronto-based business communications professional who has worked with national news organizations, magazines and corporations in the finance, retail, manufacturing and other industrial sectors.

Friday, April 19, 2013

Your Conscious Thoughts Regulate Your Health

Your conscious thoughts regulate your health. The persistent idea of illness will make you ill. While you believe that you become ill because of viruses, infections, or accidents, then you must go to doctors who operate within that system of belief. In addition, because you believe in their cures, you will be relieved of your difficulty. Because you do not understand that your thoughts create illness you will continue to undergo it ... and new symptoms will appear ... While you are in the process of changing beliefs - when you are beginning to realize that your thoughts and beliefs cause illness - then for a while you may not know what to do.... You may realize that the doctor can at best give you temporary relief, yet you may not be completely convinced yet of your own ability to change your thoughts; or you may be so cowed by their effectiveness that you are frightened.

When traditional practitioners of the ancient eastern religion of Zen Buddhism want to achieve greater spiritual insight, they turn to a technique is called "meditation.

Today more and more doctors are prescribing meditation as a way to lower blood pressure, improve exercise performance in people with angina, and help people with asthma breathe easier, relieve insomnia, and generally relax the everyday stresses of life. Meditation is a safe and simple way to balance a person's physical, emotional, and mental states. It is simple; but can benefit everybody. When you feel joyful, your body benefits and becomes stronger.

While you believe that only doctors can cure you, you had better go to them.... While you may be cured of one difficulty, you will only replace it with another as long as your beliefs cause you to have physical problems....'The healing energy [is] always within you.

A review of scientific studies identified relaxation, concentration, an altered state of awareness, a suspension of logical thought and the maintenance of a self-observing attitude as the behavioral components of meditation; it is accompanied by a host of biochemical and physical changes in the body that alter metabolism, heart rate, respiration, blood pressure and brain chemistry. Meditation has been used in clinical settings as a method of stress and pain reduction. Meditation has also been studied specifically for its effects on stress.

Studies have shown that meditation can bring about a healthy state of relaxation by causing a generalized reduction in multiple physiological and biochemical markers, such as decreased heart rate, decreased respiration rate, decreased plasma cortisol (a major stress hormone), decreased pulse rate, and increased EEG (electroencephalogram) alpha, a brain wave associated with relaxation. Research conducted by R. Keith Wallace at U.C.L.A. on Transcendental Meditation, revealed that during meditation, the body gains a state of profound rest. At the same time, the brain and mind become more alert, indicating a state of restful alertness. Studies show that after TM, reactions are faster, creativity greater, and comprehension broader.

Research has also shown that Meditation can contribute to an individual's psychological and physiological well-being. This is accomplished as Meditation brings the brainwave pattern into an alpha state, which is a level of consciousness that promotes the healing state.

Physical Benefits

  • Deep rest-as measured by decreased metabolic rate, lower heart rate, and reduced work load of the heart.
  • Lowered levels of cortisol and lactate-two chemicals associated with stress.
  • Decreased high blood pressure.
  • Low skin resistance is correlated with higher stress and anxiety levels.
  • Drop in cholesterol levels. High cholesterol is associated with cardiovascular disease.
  • Improved flow of air to the lungs resulting in easier breathing. This has been very helpful to asthma patients.
 Psychological Benefits

  • Increased brain wave coherence. Harmony of brain wave activity in different parts of the brain is associated with greater creativity, improved moral reasoning, and higher IQ.
  • Decreased anxiety.
  • Decreased depression.
  • Decreased irritability and moodiness.
  • Improved learning ability and memory.
  • Increased self-actualization.
  • Increased feelings of vitality and rejuvenation.
  • Increased happiness.
  • Increased emotional stability
Meditation is a multidimensional phenomenon that may be useful in a variety of ways. First, meditation is associated with states of physiological relaxation that can be utilized to alleviate stress, anxiety, and other physical symptoms. Secondly, meditation brings about cognitive shifts that can be applied to behavioural self-observation and management, and to understanding limiting or self-destructive cognitive patterns.

Meditation may also permit deepened access to the unconscious. Meditation techniques help us to focus attention on the manner in which unconscious conflicts are being processed and recreated in the mind on a moment-to-moment basis. Thus, it offers the possibility of not just understanding such conflicts conceptually, but of actually penetrating and gradually dismantling them through meditative insight

Out of knowledge of the contents of your own conscious mind by using meditation, you can definitely start to use your mind to be more aware of stresses on your body and move toward a place of healing.

Thursday, April 18, 2013

Baby boomer women lack a retirement strategy

A new study published The Huffington Post  |  By  Posted: on women and retirement and gives us  some sobering statistics: nearly half of baby boomer women have no retirement strategy, while more than half either expect to work after 65 or simply do not plan to retire.
According to findings released this month by the Transamerica Center for Retirement Studies, most older women are so focused on paying off consumer debt and making ends meet that only 29 percent have made saving for retirement their top financial priority.
"As women, we're so busy with our priorities day to day -- whether they be family or work or some form of caregiving -- that women are shortchanging themselves when it comes to planning for the long-term," Catherine Collinson, president of the private nonprofit foundation in Los Angeles, told Huff/Post50.
The center's latest study, "Juggling Current Priorities and Long-Term Security: Every Woman Needs Her Own Retirement Strategy," surveyed 577 baby boomer women as part of its 13th annual study of the nation's retirement trends.
“There is a striking disconnect among women between how they envision their retirement and how they are preparing to realize that vision,” Collinson said. “Women face a number of unique circumstances, such as typically lower wages than men, time out of the workforce to be a parent or caregiver and a longer life expectancy, which present challenges for saving. As a society, we must do more to empower and equip women with the know-how to plan, save and ultimately achieve a secure retirement.”
The study found that women’s retirement dreams include traveling, spending more time with family and friends and pursuing hobbies; however, 61 percent of baby boomer women either expect to work after 65 or simply do not plan to retire.
Women’s expectations of delaying retirement and/or working in retirement illustrate a serious crisis of retirement confidence, Collinson said. More than half of women (54 percent) are “not too confident” or “not at all confident,” compared to only 44 percent of men who share that sentiment. Only 7 percent of women are “very confident” in their ability to fully retire with a comfortable lifestyle.
Behind this lack of retirement confidence could be women's lifelong concern about taking care of family. Women most frequently cite their single greatest retirement fear as not being able to meet the financial needs of their loved ones (26 percent). More than one in four women (28 percent) expect to take time or have already taken time out of the workforce to act as caregiver for a child or aging parent. Of these caregivers, 73 percent believe that this time out will impact their ability to save for retirement. Further, many reported that their retirement may involve financial caregiving; one in three women (31 percent) expects that when they are retired, they will need to provide financial support for a family member other than their spouse, according to the study's results.
in short, Collinson said the main key findings of the study are:
-- Only 14 percent of baby boomer women have a written retirement strategy. Some 45 percent do not have a plan at all while 41 percent have a plan that's not written down.
-- About 36 percent of baby boomer women expect to rely on Social Security as their primary form of income in retirement. Another 36 percent expect to rely on 401K plans while the rest expect to rely on a mixed bag of savings and assets.
-- Of the women who expect to rely on Social Security, only 34 percent say they know "a great deal" or "quite a bit" about their Social Security benefits.
-- About 61 percent of baby boomer women expect to work after 65 or simply do not plan to retire.
-- Only one in five baby boomer women who expect to keep working have a backup plan if retirement comes sooner than expected.
“Life’s unforeseen circumstances such as a job loss, health issues, or family obligations can derail the best of intentions,” said Collinson in a press release. “Especially with so many women planning to delay retirement or continue working part-time in retirement, a backup plan is an essential part of a retirement strategy.”
In the end, Collinson told Huff/Post50 that it's not surprising so many women expect to keep working but that it is surprising so few have a backup plan if they aren't able to do so.
As a result, she said women need to take steps immediately to improve the outlook for their futures including "learning more about their Social Security benefits, calculating a savings goal, understanding what a savings shortfall may look like and evaluating their expectations. There's no doubt that every woman needs her own retirement strategy."