Good Day Alabama for August 27, 2013

Good Day Alabama for August 27, 2013

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Here is what you saw on Good Day Alabama for August 27, 2013:

JEH JEH LIVE - Jeh Jeh joined us live from the Bluff Studios located at 571 Park Avenue in Hoover. He introduces us to a new art form in the area - Zentangle. Zentangle® is an easy to learn method of creating beautiful images from repetitive patterns.  It is fun, relaxing, and anyone can use it to create beautiful pieces of art!  It is enjoyed by a wide range of ages and skill levels across the world.  Anywhere you can find a surface to work on a 3.5 inch paper tile you can start, and likely finish, a Zentangle®.  The portability of the materials offers a wonderful way to utilize time spent waiting for appointments, or transportation, or embellishing a journal page.  It is a perfect way to transition into the "zone" of focus or flow, or both! For more information on Zentangle check out www.zentangle.com. For information on Zentangle® classes, contact darla@tangledstones.com or (205) 305-2082.

BETH K - Romantic relationships - be they a spouse, partner, boyfriend or girlfriend - can influence our body image and how likely we are to use unhealthy strategies to lose weight. Studies have shown that when a woman's partner disapproves of her body, she is more likely to have a poor body image.  If a woman's partner approves of her body, then she is more likely to be satisfied with her body. Hurtful comments by either partner about the other's body or need to lose weight is related to unhealthy, disordered eating patterns. Other research has shown that when one partner models healthy behavior by eating well and exercising, the other partner is less likely to be overweight and also take part in healthy behaviors. Now, a new study shows that when a romantic partner encourages his or her overweight partner to diet, that partner may be more likely to use unhealthy behaviors like fasting, eating very little, skipping meals, using meal substitutes, and smoking cigarettes to lose weight. The study was not the kind that could show cause and effect - just associations or correlations. But here are some of the highlights -the study surveyed almost 1300 men and women ages 20 to 31 who were in a relationship; both men and women were more likely to use unhealthy behaviors to lose weight if their partner dieted or also encouraged them to diet and lose weight; & the effect in women was greater -  they were much more likely to not only engage in unhealthy dieting but also in binge eating and also to use extreme measures to lose weight if their partner dieted or encouraged them to diet .
     So what does this mean? First of all, weight loss programs probably need to be designed to look at people's relationships and how they may be helping or hurting their weight loss. While some people find these results surprising, psychologists say it makes sense.  Telling someone not to eat that ice cream or second helping of mashed potatoes feels like disapproval. Making your partner feel bad about his or her body does not encourage healthy behavior. Telling someone how they should eat may also result in a kind of "I'll eat whatever I want" kind of rebellion as well. We need to teach people how to be supportive of their spouse or partner. The things we say that we think may help, often hurt. You should focus on your partner's health rather than weight and appearance. If your partner is trying to lose weight, ask him or her how you can be supportive and ask them if what you are saying is more harmful than helpful.
So, the tips are:
·         Ask your partner how to be helpful not hurtful
·         Focus on health - not appearance or weight
·         Work together on being healthier
·         Recognize that your partner should make his/her own decisions
This study can be found in the American Journal of Health Promotion July/August 2013  Dieting and Encouragement to Diet by Significant Others: Associations with Disordered Eating in Young Adults

MONEY TUESDAY - Stewart Welch joined us with four strategies on paying for college.
1. Borrow against your 401k.  One advantage would be that you 'become the bank', meaning you are making a loan to yourself and all interest paid is going into your 401k account.  You are limited to the lesser of $50,000 or one-half of your account value.  There are some disadvantages as well.  You are required to repay the loan within five years and if you terminate your employment you must repay the loan immediately or it will be treated as a distribution and subject to ordinary income taxes and possibly a ten percent federal early withdrawal penalty as well.  You don't receive a tax deduction for interest paid to your 401k.
2. Continue to use student loans.  If your children qualify, this could be a good choice as it allows the postponement of payments until after your children graduate.  At that time, hopefully, your children will have a job and can help with payments if needed.  Interest paid of up to $2,500 for qualified student loans is deductible for single taxpayers with modified adjusted gross income of less than $75,000 ($155,000 for joint filers).

3. Refinance your home using a conventional first mortgage.  Interest rates are still very favorable with thirty-year mortgage rates around 4.5% and fifteen-year rates about 3.5%.  The disadvantage with this strategy is potentially relatively high closing costs.  One goal we consistently have for our clients is to be debt free by retirement including home debt.  Upon refinancing, interest paid on the total of your current debt plus up to $100,000 of new debt is tax deductible.
4. Get a home equity line of credit (HELOC) on your home.  The HELOC provides perhaps the greatest flexibility with the least amount of costs.  Interest payments on up to $100,000 are tax deductible and HELOC loans typically don't have closing costs.  The interest rate for a HELOC typically is based on the bank's prime lending rate and is often set up requiring that you only pay interest each month instead of 'amortizing' the loan based on the payment of interest and principal.  This gives you the flexibility of paying interest-only when cash flow is tight or you can pay chunks of principal when you get a bonus or otherwise have extra cash.  Because it's a 'variable' interest rate loan, your interest rate will rise or fall as prime interest rate changes.  The current prime rate, 3.25%, has been in place for several years and may remain so for the near future.  However, my best guess is that short-term interest rates are poised to begin rising within the next thirty-six months.  They may rise very slowly or more rapidly so this may not be the best strategy if you anticipate it taking longer than sixty months to repay the loan.

Ultimately, which is the best strategy depends on your particular financial circumstances.  If you start out with the HELOC, you likely would be able to switch to one of the other strategies should circumstances dictate that one or more is a better choice. For more information, visit www.welchgroup.com.

AMERICA NOW - America Now's Bill Rancic and Leeza Gibbons visit Birmingham. They joined us in the studio this morning to talk about the new season of the show. Catch "America Now" weekdays on FOX6 at 1pm - right after FOX6 News at Noon.

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 - Jimmy Rockett shows us transitional flowers to carry us into the fall. Jimmy says that with so much rain, your flowers may not look their best - especially begonias and petunias. But now growers are growing marigolds this time of year to help us transition from summer to the fall. It is still too early for pansies, this is why marigolds work really well. Also, the orange ones go great with the fall colors. Right now, the temperature seems like summer, but soon, cooler temps will show up making the marigold a winner and it will even take a frost or too around November . Marigolds grow different heights, so be sure to ask for help in your selection. Other flowers like ornamental peppers and coleus also make great transitional flowers. For more information, call Jimmy at (205) 981-1151, email him at jimmyrockett@att.net, or visit his website at , www.rockettsbugjuicegardens.com.

COOKING - Chef Gregg Collier from Dixie Fish Company joined us along with a representative from the Back Forty Beer to discuss the partnership between local breweries and Alabama Seaffod. Alabama is home to a longstanding seafood community that produces a boatload of seafood from its brief but beautiful 53-mile coastline. There is a comprehensive resource available at eatalabamaseafood.com where you can find out everything you need to know to find, catch, and eat Alabama seafood. It has everything from recipes, so you can cook it yourself, to retailers, so you can buy it direct, to charter boat contacts if you want enjoy catching it.

Tomorrow on Good Day Alabama, we mark the anniversary of MLK's "I have a dream" speech... Our veterinarian joins us in the studio to take your questions about your pets' health. We check out what's going on these days at Aldridge Gardens! Mickey takes us to the Birmingham Zoo! And we bring you the latest news from the world of entertainment! Join us for all of this and much more tomorrow on Good Day Alabama!

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