BETH K - UAB Nutritionist Dr. Beth Kitchin puts us to a test this morning. She told us about a new study that shows Nutrition Therapy can lower your chances of getting Type 2 Diabetes! She tested our risk. Get out your pencil and a piece of paper for the Diabetes Risk Test! Why? A new study shows that people who are at risk for type 2 diabetes can lower that risk by getting medical nutrition therapy from a registered dietitian. The researchers looked randomly put 76 overweight or obese adults with moderately high blood sugar in the "usual care" group or in the nutrition therapy group. The usual care group was told to exercise and eat healthy. The nutrition therapy group got one-on-one nutrition counseling. After 12 weeks, the usual care group's blood sugar went up. The group who got nutrition counseling saw their blood sugar go down. So, how to you know you are at risk? Take this test on diabetes.org If you score a 5 or higher, you should talk to your doctor about getting a blood sugar test to see if you have pre-diabetes or diabetes. Your doctor can refer you to a registered dietitian! Beth blogged on this so check out her blog for all of this info and more at uabnutritiontrends.blogspot.com/.
MONEY TUESDAY - Stewart Welch started a conversation with us last week about life insurance. He suggested level term life insurance as the best choice for the family bread winner with the emphasis on being sure that you have plenty of life insurance while keeping your monthly premiums low. Most people underestimate just how much life insurance is needed to replace the income of a family member and therefore are often underinsured. A simplistic way to think about it is to decide for how many years you will need how much income and then do some simple math. For example, you decide that if you died suddenly, you'd need to replace $50,000 of income for the next twenty years. $50,000 times twenty years equals $1,000,000. So when is buying a cash value policy a good idea? Not too long ago we saw lots of situations where permanent -cash value- life insurance was needed to pay estate taxes for many middle income Americans. However, the most recent changes to the death tax laws provides that there are no death taxes if your estate is less than $5,430,000 -double that for married couples- so this does not come into play for the vast majority of people today. The other reason for buying a cash value policy is for the savings or investment feature. It is true that life insurance policy cash values grow tax deferred and escape income taxation if the policy pays out as a death benefit but the cash value returns tend to be negative in the early years and very modest over the long term. The big advantage to term insurance over cash value insurance is low cost. But what happens if at the end of the term period -twenty years in my example above, you decide you still need the insurance but you are now uninsurable? Most term policies allow you to 'convert' your term policy to a cash value policy with your same insurance company and you don't have to prove you're still in good health. You simply sign a conversion form and you now own a 'permanent' cash value policy. While this sounds simple enough, there are two problems of which you need to be aware:
1. Conversion to lousy policy. If you're converting your term policy, the insurance company is guessing that you may be in poor health and therefore a higher risk. To discourage you, many companies don't allow you to convert to their best policy…in fact they write a special policy that is very expensive and a lousy deal compared to their other policies.
2. Conversion option expires before the end of the term insurance period. Most companies allow you to convert for the entire time you own the policy - 20 years on a twenty-year term policy, for example. However, some companies drop the conversion privilege two to three years before the policy ends.
Protect yourself in both of these cases by asking your agent to confirm that you can convert to a competitive policy and that the conversion right extends for the full term of the policy. For more information, visit welchgroup.com.
ARE YOU SMARTER THAN A FIFTH GRADER -
(Last month we announced the new class of 5th graders for this summer's return of ARE YOU SMARTER THAN A 5TH GRADER? which premieres tonight on FOX!
MEET THE NEW CLASS OF STUDENTS ON
"ARE YOU SMARTER THAN A 5TH GRADER?"
Series Returns Tuesday, May 26, on FOX
This summer, brush up on your grammar school knowledge with Angela, Dee, Lauren, Mason, Reagan and Tres, the new class of fifth graders who will assist the grown-up contestants on the popular quiz show ARE YOU SMARTER THAN A 5th GRADER?, when it returns tonight on FOX6. Following a nationwide search, these six kids were chosen to help the grown-ups graduate toward the top prize of $1 million. Unlike the typical game show that measures intelligence, ARE YOU SMARTER THAN A 5th GRADER? tests adults' lack of knowledge – as revealed by how much they've forgotten since their grammar school days, proving that older doesn't always mean wiser. Executive-produced by Mark Burnett and Barry Poznick, and hosted by Jeff Foxworthy, ARE YOU SMARTER THAN A 5th GRADER? includes new and fun elements for a new generation of viewers, including the "The Grade School Give Away," in which contestants reaching the $10,000 level, can play for a deserving school that also could win $10,000. Whether they are doctors, lawyers, pilots or military personnel, the grown-ups will need the help of these real-life fifth graders, as they are asked 11 increasingly difficult grade-school questions, covering 10 subjects taken from first-through-fifth grade textbooks. If a player correctly answers the first 10 questions, he/she can answer a sixth grade question worth $1,000,000. Today we met Dee, one of the 5th graders, who is from Jonesboro, Georgia. Dee has a 16-year-old brother and a brand-new brother, and is excited to finally be the big brother himself! He loves all things Japanese, from animation to comic books to drawing pictures. He also loves video games and is a big fan of Britney Spears. He likes wearing glasses, because nerdy is now "cool." He's from a small town in Georgia, just like Jeff Foxworthy. Check out Dee's Fifth Grader Profile Page at fox.com/are-you-smarter-than-a-fifth-grader/students/dee. Catch the season premiere of "Are You Smarter Than a Fifth Grader" tonight at 7pm on FOX6.
ASK THE ANGLER - Reed Montgomery answered viewer questions about fishing. You can contact him with your questions at 205-663-1504 or on his website fishingalabama.com - there you can find lake reports, fishing tips, upcoming events, and more.
GARDENING - Fred Spicer, Executive Director of the Birmingham Botanical Gardens, joined us to discuss Earth Day at The Gardens. It is rescheduled for May 31st from 1-5pm. It will be in the Formal Garden in front of the Conservatory. This year, the annual celebration will commemorate the 70th Anniversary of the end of World War II by highlighting Victory Gardens. Displays and demonstrations will feature topics such as: 1940's Victory Garden design, archival display of Victory Garden memorabilia, World War II Victory Garden propaganda movies, Victory Garden inspired art crafts, Story time with American Girl Molly and Victory Garden character actors. Focus will be maintained on how urban gardens impacted American culture during World War II and how they impacts us today. The event is free to the public. For more information, call 205-414-3950 or visit bbgardens.org.
Tomorrow on Good Day Alabama: The vet joins us to take your questions about your pets! Jeh Jeh gets a little jazzy and tells us all about Jazznet! We get a gardening lesson from Aldridge Gardens! And Walter Caron cooks up some great Italian! Plus, we check out the latest entertainment headlines! Join us for all of this and much more on Good Day Alabama!Copyright 2015 WBRC. All rights reserved.