Colleague of Celebrity Dietician Shares FAQ
on Low-Carb Diets

When Dr. John Salerno - a protégé of "Atkins Diet" creator Dr. Robert Atkins - testified before the U.S.D.A. about plans for its most recent Food Pyramid revision, he spoke his mind: The food industry is corrupt and has supported recommendations that do not support the population's health.

"Hidden sugar, preservatives and highly processed white starch are what are really causing our health epidemic in the United States," says Salerno, author of "The Silver Cloud Diet," (www.thesilverclouddiet.com). "Obesity, diabetes, heart disease, cancer and Alzheimer's disease are killing this country, and it's not because people are eating too much organic natural fats."

Since the initial popularity of the Atkins food plan some years ago, however, there have been critics of the low-carbohydrate diet. The science was and is sound, says Dr. Salerno, who worked closely with Atkins on research. The problem was that the diet itself was not sustainable.

"The basic principles needed revision both to make the diet sustainable and to take into account the foods available today," he says.

How does a low-carb diet work? Salerno answers the most frequently asked questions:

• How is a low-carb diet today different from the Dr. Atkins plan? Thirty years ago, the food supply was less degraded. Now, low-carb dieters have to be more proactive about selecting chemical-free foods that are not highly processed. There are many more farming techniques today that introduce unnatural elements into our meats and vegetables, and there are many, many more highly processed foods on store shelves. We need to be vigilant about preservatives and additives; hormone-infused meat can wreak havoc on a body.

• What's the first step? The Fat Fast Detox quickly puts one's body into fat-burning mode. Adhering to the carb-free diet for two weeks will have participants losing five to 15 pounds and two inches from the waistline. Breakfast, for example, could include two large organic eggs and a side of bacon, sausage or ham, which can be washed down with coffee or tea with cream and sweetener.

• What about eating out? Sustaining a low-carb diet is pretty simple when eating at restaurants. Take the burger out of the bread and skip the French fries. You're good to go with grilled fish, roast chicken, pot roast, pork tenderloin, shrimp, scallops and pates.

• How can you eat on the run? A small amount of planning goes a long way. Boil eggs and keep them on hand for long car trips and office snacking. Add to that list jerky salmon, nuts and string cheese. These foods are dense with nutrients.

• Where can you find "clean" foods? Buy as "close to the ground" as possible, meaning choose organic produce, eggs and dairy. Inquire at farmer's markets where they grow crops. Find a local provider for meats and fish if possible.

• Can you eat cake on a low-carb diet? As your health and vitality improves with lost weight and increased activity, you can introduce more carbohydrates into your diet.

• Are low-carb meals safe for family members who do not need to lose weight? What's good for you - a broad and varied diet of unprocessed foods - is good for your family!

• When is the diet over? Eating foods that are healthy, unprocessed and natural is something you should never stop doing. However, if you feel you're starting to gain excess weight, go on a detox regimen by cutting out carbs completely for one week.

• So, fat is good for you? Natural fat is the most nutrient-dense food there is. It's lubricates your joints and helps your brain function at its best. It also keeps your hair shiny and helps prevent wrinkles. When you cut out processed carbs from your diet, you don't need to worry about natural fat, which is an appetite suppressant.

About Dr. John Salerno

A board-certified family physician, Dr. John Salerno has been pioneering complementary medicine for more than 20 years. Best known for his Silver Cloud Diet nutrition program, anti-aging supplements, and natural therapies, Dr. Salerno has crafted original treatment plans to restore human health. His publications and professional studies have made him a popular expert on the physiology and assessment of many complex medical conditions. Dr. Salerno was a protégé and colleague of prestigious Dr. Robert Atkins and has worked with Hollywood actress/author Suzanne Somers (bioidentical hormone replacement therapy pioneer); actor Steven Cannell; and president of the International Congress of Integrative Medicine, Dr. Hiroyuki Abe M.D.

Wishing you and your family health

and happiness in 2013.

We hope to see you at one of our

upcoming performances!

Love Stories

Sponsored by:

A mixed repertoire featuring six pieces by four choreographers

Grab someone you love for an evening of amazing dance.
Eclectic movement, music and moods........


Saturday, February 16th

1:00pm & 7:30pm

SCOTTISH RITE CATHEDRAL, Moline, IL

Purchase tickets online by going to our website www.balletquadcities.com

 

Purchase tickets in person before February 15th

at Ballet Quad Cities

613 17th Street, Rock Island

Office hours: M-F 8:30 - 4:30

 

For more information, call us at (309) 786-3779

 

Thank you for your support of Ballet Quad Cities!

The 36th annual Robert Burns dinner is January 26, 2013 at the Davenport Radisson beginning at 5:30. The event includes music featuring The Barley House Band, the Blackhawk Pipers pipe band, the traditional Scottish dish, haggis, vendors and a silent auction.

Meals range in price from $37.00 to $40.00. Reservations are required by January 24th. Contact John Hoff at 563-332-2421 or email royaleng@mchsi.com.

All are welcome!

SPRINGFIELD, IL (01/07/2013)(readMedia)-- The Illinois Air National Guard recognized five outstanding Airmen for their achievements in 2012 during an award ceremony at the Illinois State Military Museum Jan. 5.

Winners included: Outstanding Airman of the Year Senior Airman Alex Corwin of Charleston, 182nd Maintenance Squadron, 182nd Airlift Wing; Outstanding Noncommissioned Officer of the Year Tech. Sgt. Angelica Knecht of Belleville, 126th Medical Group, 126th Air Refueling Wing; Outstanding Senior Noncommissioned Officer of the Year Master Sgt. Phillip Clemens of Rochester, 183rd Communications Flight, 183rd Fighter Wing; Outstanding Honor Guard Member of the Year Senior Master Sgt. Diana Braun of Morrisonville, 183rd Force Support Squadron, 183rd Fighter Wing; Outstanding First Sergeant of the Year Senior Master Sgt. Michael Douglas of Waterloo, 126th Security Forces Squadron, 126th Air Refueling Wing.

Awards were given based on performance, mission accomplishment, team building and leadership. Criteria included actions, initiatives and results that showed exceptional leadership and duty performance. Consideration was given for supervision, level of responsibility, process improvements, unusual job assignments, job effectiveness, job knowledge and support to deploying or deployed operations. Additionally, consideration was given for awards and recognition, significant individual accomplishments, unique job achievements, processed or implemented suggestions, and innovative problem solving.

The Airmen will represent Illinois and contend at the national level competition later this year.

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DAVENPORT, IA?Waste Commission of Scott County facilities will be closed on Monday, Jan. 21 in honor of Martin Luther King Jr. Day. Normal hours of operation will resume on Tuesday, Jan. 22. Facilities closed include :

·    Scott Area Recycling Center, 5640 Carey Avenue, Davenport
·    Scott Area Landfill, 11555 110th Avenue, Davenport
·    Scott Area Household Hazardous Material Facilities, Davenport
·    Electronic Demanufacturing Facility, 1048 East 59th Street, Davenport

Regular hours will resume at all facilities on Tuesday, Jan. 22.

Waste Commission of Scott County is an inter-governmental agency whose mission is to provide environmentally sound and economically feasible solid waste management for Scott County. For more information about the Commission, please call (563) 386-9575 or visit www.wastecom.com.

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Mortgage Credit Certificates may provide Iowa home buyers with up to $2,000 in annual federal income tax credits

(DES MOINES) - Gov. Branstad and Lt. Gov. Reynolds were accompanied by Iowa Finance Authority Executive Director Dave Jamison today to announce that eligible Iowans can now buy a home and reduce their federal income tax liability by up to $2,000 a year for the life of their mortgage. The Take Credit! Mortgage Credit Certificate program is available as of  January 1, 2013 and approximately 1,000 Iowa home buyers may benefit from the program. The program is administered by the Iowa Finance Authority, (IFA).

"Iowa home sales are currently up by more than twelve percent over 2011, according to the Iowa Association of Realtors and today's announcement of another resource for Iowa home buyers supports an even greater uptick in home sales, and that is good news for Iowa," said Branstad.  "The Take Credit mortgage credit certificate program will provide an added incentive for Iowans to purchase a home, which leads to a healthy, stable economy and also provide Iowa families to keep more of their hard-earned income, income that would otherwise be spent on federal income taxes."

After an eligible homeowner has closed a mortgage loan with an IFA Take Credit! Participating Lender, IFA will issue the homeowner a mortgage credit certificate for pre-approved applicants. The homeowner in turn may apply the credit against their federal income tax liability on an annual basis for the life of their mortgage. The credit may be claimed on IRS Form 8396.

"Through the program, fifty percent of eligible homeowners' mortgage interest becomes a tax credit that can deduct dollar-for-dollar from federal income tax liability," said Reynolds. "For example, a family with a $70,000 four percent fixed interest, thirty year mortgage would receive a tax credit of $1,388.78 in the first full year of homeownership. I encourage Iowans to look into this valuable resource provided by the Iowa Finance Authority."

Eligible home buyers must be approved for a mortgage and meet federal requirements, including income limits, maximum home sale price, limited prior homeownership interest and purchasing the home as a primary residence. More information including a Participating Lender list and eligibility quick check tool are available at IowaFinanceAuthority.gov.

"The Iowa Finance Authority is also announcing an exciting opportunity for all Iowans to participate in our 'Home in Paradise' social media contest January-March for a chance to win an Iowa vacation package this winter," said Iowa Finance Authority Executive Director Dave Jamison. "The contest is a fun way to gain momentum for homeownership as we simply ask Iowans to show us the creative ways that they beat cabin fever over the winter months. I encourage lenders, Realtors and real estate agents to sign up today to offer this contest to their clients at IowaFinanceAuthority.gov/Contest."

The mortgage credit certificate was authorized by Congress in the 1984 Tax Reform Act and functions like a federal income tax credit.  Funding for the program is made available through federal private activity bond volume cap, which was set to expire on December 31, 2012, if not used. The mortgage certificate credit funding will be available through 2014 or until the funds are expended.

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Five tips on paying down credit card debt acquired during the holidays

Des Moines, Iowa - In the current economic climate, it's more important than ever to plan and adhere to a budget, spend responsibly and to set aside savings for unplanned expenses. The key to spending responsibly during the holidays is to not spend more than what you have earned or saved. In the coming weeks, consumers will be faced with paying off their credit card bills, and Iowa credit unions have suggestions to help them tackle their debt.

In a survey of 930 Iowa consumers conducted by the Iowa Credit Union League (ICUL), 36.2% of respondents said they saved throughout the year to pay off holiday debt, and 29.8% said they have no firm plan in place to pay off newly-acquired debt.

"It is not uncommon to spend more than you planned during the holidays, and much of what you spend ends up on your credit card," said Emily Caropreso, Director of Communications & Marketing. "If you don't have a plan to pay off your balance, now is the time to create one. Doing so will save you money along the way."

ICUL suggests the following to pay off holiday credit card debt:

  • Pay it all off at once. If you can get away with moving money from savings to pay off your credit card in full, it is recommended. This will help you avoid interest charges on your purchases, and end your monthly payment. It will also positively impact your credit score, saving you more money down the road.
  • Pay it off in monthly installments. If paying the full balance isn't possible, create a monthly payment plan you can afford. More than 13% of Iowans indicate they will pay off their debt in one or two months, 8.9% in three to six months. Creating a payment plan will save you hundreds, possibly thousands, in interest charges compared to if you only pay the minimum.
  • Use your tax refund. Nearly 6% of Iowans plan to use a refund check from the Internal Revenue Service to pay off their holiday debt. While it is never smart to count on a tax refund, if you have one coming your way, paying down holiday debt is a smart investment. Otherwise, use your refund to replenish your savings, start a rainy day fund, or shop early for the upcoming holiday season.
  • Find a card with a lower rate. Incentive-based credit cards attract many consumers, but they usually come with a higher interest rate and/or an annual fee. If you find yourself struggling to pay down the balance, consider shopping for a card with a lower rate. Check out a local credit union (www.IowaCreditUnions.com), which typically offers no-frills credit cards at substantially lower rates.
  • Enroll in a holiday savings account. It may not help paying down existing debt, but to avoid future debt, start saving for the 2013 holiday season now. Set-up a payroll deduction of $25 a month in January, and you will have $250 saved up by Nov. 1. Most credit unions offer holiday savings accounts.

The Iowa Credit Union League is the trade association that represents the interests of Iowa credit unions and their nearly one million members. Credit unions are not-for-profit, financial cooperatives owned and operated by their members. Iowans use their credit union membership to receive higher interest rates on savings and lower interest rates on loans. For more information on ICUL and Iowa credit unions, visit www.IowaCreditUnions.com. Follow ICUL on Twitter at www.twitter.com/icul or on Facebook at www.facebook.com/iowacreditunions.

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By Jason Alderman

Now that the housing market has finally begun to stabilize and interest rates remain at historically low levels, more and more homebuyers and sellers are dipping their toes back in the water.

If you're planning to sell your home, you need to understand the tax implications of selling a home as well as be aware of structural and cosmetic flaws in your home and neighborhood that could undermine your asking price or keep the property languishing on the market for months.

First, the tax tips:

  • In general, if you make money on the sale, you can exclude the gain from your taxable income (as outlined below) if you've owned and used the home as your residence for two out of the past five years.
  • You may be able to exclude up to $250,000 of the gain from your income ($500,000 on most joint returns).
  • If you can exclude all of the gain, you don't need to report the sale on your tax return.
  • Gains that cannot be excluded are taxable. You must report them on Form 1040, Schedule D.
  • You cannot deduct a loss from the sale of your main home.
  • For more information, see IRS Publication 523, Selling Your Home (at www.irs.gov).

Many factors can negatively impact your being able to attract buyers and ultimately get the price you want. Sometimes there's not much you can do:

  • If you're located on a busy street or the local school district is subpar, you probably won't fetch as much as for the same house in a better neighborhood.
  • If your house is the only contemporary model in a sea of colonials or if your remodeled McMansion is surrounded by two bedroom/one bathroom cottages, many buyers might be turned off. Not everyone wants to stand out from the crowd.
  • If you started remodeling and didn't complete the job, many people won't want to take that on, even with a significant reduction in price.

However, there are many relatively minor changes that may boost your home's marketability. For example:

  • If your interior or exterior walls are painted with bold colors or textures, it might be worth toning it down with a more neutral palette.
  • If you can afford it, have your home professionally staged, since they know how to maximize space and show off a home's strong points (while hiding its defects.) But if you're using your own furnishings, thin them out.
  • Mismatched appliances, cabinetry and plumbing fixtures stand out like sore thumbs. The same goes for worn floors or carpeting. Discuss with your realtor which improvements might be worth the investment.
  • Make sure your yard is well-tended and has at least basic landscaping. Overgrown weeds and abandoned junk don't help your curb appeal. The same principle applies for common areas if you live in a condominium.

If there are foreclosed homes in the neighborhood, chances are they aren't being well-maintained. Make contacts with the lenders taking over these properties so you can report problems such as vandalism, trash or overgrown yards. If they're unresponsive, ask your city's building department whether they can charge fines or penalties.

Also, work with your neighbors to keep an eye on empty homes. Take turns mowing the lawn, picking up trash and removing graffiti. Anything you can do to bring up the quality of the neighborhood will improve your chance of selling.

If you can bake a pie, or if you just love a great dessert, plan to participate in a pie baking contest and auction scheduled for Saturday, February 9, 6:30 p.m., in Luther Hall - Augustana Lutheran Church in Andover, Illinois. The contest categories are: Mayors, Veterans, News Media, Pastors and Community. The event is to help fund an aisle of flags and sidewalk adjacent to the Veterans' Memorial Garden at the Andover Lake Park. A trio of professional food connoisseurs will be the judges, and the winners will receive prizes donated by area merchants. Persons interested in entering the pie contest should contact Amber Lilly: lil_lilly5@hotmail.com or Denise Lilly: (309) 521-8132. Pies can be delivered to Luther Hall between 2:00 PM and 6:00 PM.

The event is being hosted by the Andover Tourism Council and Andover Village Board. Auction is courtesy of Stenzel Auction Services.  The 2010 pie auction for Andover's 175th celebration raised $4,191, so we are looking to top that, but can only do that with YOUR HELP!
Placerville, CA - The Placerville City Council will hear an appeal, Tuesday, from a small church regarding the denial of their conditional use permit (CUP) by the City's Planning Commission. Pacific Justice Institute (PJI) sent a letter Friday informing the City of the potential legal violations the commission committed?including violation of the Federal Religious Land Use and Institutionalized Persons Act (RLUIPA), as well as the Federal and State Constitution.

In a December 4th decision, the Planning Commission denied the CUP of Mercy Way Rescue, a small church which ministers to the homeless in the mountain community. In a 2-2 vote?which is an automatic denial?the Planning Commission went against its own Planning Department's staff report recommendation to approve the CUP, and placed the church in jeopardy of immediate shutdown.

At one point during the Commission's December meeting, after praise of the prior two applicants?a car dealership and a hospital?a commissioner accused Mercy Way Rescue of masquerading as a church. The Commission further questioned the church representative about what type of congregants they would have.

"It's not just illegal to base a planning decision on the members of a church, it's an outrage! There should be a public outcry anytime a planning commission considers demographics in their decision for a church to be established," said Brad Dacus, President of PJI.

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