Good Day Alabama for September 10, 2013

Good Day Alabama for September 10, 2013

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Here is what you saw on Good Day Alabama for September 10, 2013:

STAPLES SAFARI ZOO - Brian Staples, zoologist, is a third-generation animal trainer and advocate and has established Staples Safari Zoo to connect America's youth with the natural world. He joined us with several of his friends in the studio today. Brian has been working with animals since he was a child and has mixed his love for stage performance, including magic, and his passion for animals to create a program that gives the animals a voice and the children the ability to be a star - Animal Magic - one of several shows he performs for crowds throughout the nation. He is a protégé of Jim Fowler, of Mutual of Omaha's Wild Kingdom, who named Brian to follow in his footsteps as ambassador of the natural world. A 501(c)3 organization, Staples Safari Zoo, provides a home for "special needs" animals - those in need of rescue or rehabilitation with no other place to go and would most likely be euthanized without the organization's intervention. Traveling with such a variety of amazing animals during the three-month touring season, zoo staff members deliver a message of universal acceptance, educating young people to respect rather than fear and to understand that all things have a place, a need and a message, so they can learn to better accept themselves and each other. Staples Safari Zoo cares for more than 120 animals, many with special needs, including a white tiger, lioness with epilepsy, camel with a drooping hump, lemurs, kangaroos and several species of monkeys. Many of these animals were once pets of people who later realized they were in over their heads. Staples Safari Zoo is now touring the eastern United States, and currently can be seen at the Northwest Alabama Fair, Sept. 10-14. The zoo often targets performing in rural areas where children may have limited access to public zoos. Dates and locations of upcoming shows can be found on the Staples Safari Zoo Facebook page, www.facebook.com/StaplesSafariZoo.  
Brian introduced us to "Wilson" the Capuchin, "Joey" the Bonnet Macaque, "Tyler" the Lemur, "Chewy" the Kinkajou, "Aunt Bea" the Coatimundi, and "Prickles" a prehensile-tailed porcupine. The Staples Safari Zoo will be at the Northwest Alabama Fair today through Saturday. It is open tonight through Thursday from 6-11pm, Friday from 6pm until 1am, and Saturday from 2pm until midnight. Students that have a pass handed out at their schools get in free Wednesday; plus, admission and rides are only $1 on Thursday.

BETH K - UAB Nutritionist Dr. Beth Kitchin joined us to discussing how upping your protein might help you lose more fat and less muscle when dieting. One of the big challenges of losing weight is preventing muscle loss. When you lose weight by cutting calories, you always lose some of that as fat and some of that as muscle. But you want to minimize that muscle loss because muscle burns more calories than fat and also helps to keep you strong. In a recently published study, researchers showed that when study participants on a weight loss diet were put on twice the recommended level of protein, they lost more fat and less muscle than the participants at the recommended level of protein. Participants who were ate three times the amount of recommended protein did not get any extra benefit. Everyone lost about weight in the study - about 7 pounds for the people on the lower protein diet and just under 6 pounds for the people on the higher protein diet over 21 days. But the people on the lower amount of protein lost 58% of their weight as muscle while the people in the 2x protein group only lost 30% of their weight as muscle.  So what is the recommended level of protein now? It is 0.8 grams of protein per kilogram of body weight. To change your body weight from pounds to kilograms, you divide by 2.2. So the protein needs for someone who weighs 220 pounds: 220/2.2 = 100 kilograms     100 kilograms x 0.8 grams/kilogram = 80 grams of protein. So, if this person wanted to lose weight, you would double that to 160 grams of protein a day. Now things get a little complicated at this point because the rest of the diet also has to be adjusted to accommodate this increase in protein. Just increasing your protein intake won't help you lose weight. In fact, you would probably gain weight from the extra calories! So, you have to lower your overall calorie intake to a level that will help you lose weight. Then, you have to calculate how fat and carbohydrates fit in after you calculate your daily protein needs. In this study, the researchers had the participants eat less than 30% of their calories as fat and then added the rest of the calories in as carbohydrate. The bottom line is that you may want to consult with a registered dietitian to help you devise a plan that is accurate and works for you! Some cautions on this research: it was a small study.  There were 12 to 14 people in each of the study groups - that's small and those 12 to 14 people may not be like the rest of us! It was a  short study. The weight loss portion of the study only lasted 21 days - so we can't say what would happen long term.
· Was it the protein? It is possible that because the people in the 2x protein group lost a little less weight, that the lower weight loss itself could have accounted for losing less weight as muscle. So this finding is not conclusive by any means but it does raise this idea.
Best Protein Sources:
4 ounces of lean meat: 28 grams
1 cup skim milk: 8 grams
1 egg: 6 grams
4 ounces Greek yogurt: 12-14 grams
1 ounce of cheese: 7 grams
½ cup tofu: 10 grams
1 cup soy milk: 6 grams
½ cup pinto beans: 7 grams  

For more info on this, see Dr. Kitchin's blog on the Nutrition Trends website: www.uab.edu/nutritiontrends.
 
JEH JEH LIVE - The Art Show and Auction showcases the hard work by The Exceptional Foundation participants. Enjoy great works of art, a siient auciton, music and refreshments --- all for only $35.00. More than 80 auction items have been donated by businesses such as White Flowers Gallery, Robert Trent Jones golf courses, Iron Tribe and beach vacations to Watercolor and Seascape.  Each auction winner gets to choose a piece of Exceptional Foundation artwork to take home, too.  For $35.00, guests will enjoy music, wine, beer, and an array of food provided by local restaurants such as Cafe Dupont, Little Donkey and Spoonfed Grill and valet parking is complimentary. The Exceptional Foundation is located at 1616 Oxmoor Road in Homewood. The Art Show & Auction is September 19th from 6-9pm. For more information, call (205) 870-0776.

MONEY TUESDAY - Stewart welch joined us to explain why Long Term Care Insurance increased so much and what you can do about it! Met Life recently announced a 58% increase in premiums on his long-term care insurance.  58%!  Genworth Financial, John Hancock and other companies have had similar premium increases while other companies have simply quit writing these policies altogether.  These types of policies typically give the insurance company the right to raise premiums, not on an individual policyholder, but on a 'class' of policyholders.  Policyholders have seen premiums rise modestly over the years but fifty-plus percent increases have caught everyone off guard.  Policyholders are rightfully upset and some are considering whether they should drop the coverage.
These radical premium increases were caused by a number of factors but three of the most critical are:
1. We are living longer in poor health.  Medical science is keeping us alive much longer but not necessarily healthy.  So people are living longer but often in poor health.  In order to qualify for benefits under a long-term care policy the policyholder must be unable to perform some stated number of the 'activities' of daily living.  While the definitions vary by policy, generally they include: eating, bathing, dressing, toileting, transferring and continence.  Once a policyholder qualifies for benefits, many are living long enough to use up all of the policy benefits.  
2. Lapse rates lower than expected.  A key factor actuaries use to calculate premiums for life insurance, disability insurance and long-term care insurance is the lapse rate on policies.  Actuaries assume that a certain percentage of people who buy a policy will terminate it before collecting any benefits.  In the case of long-term care insurance, the actuaries simply got it wrong.  Perhaps a significant factor is that just about everyone knows someone, a family member or friend, who has had to deal with long-term care issues.  One thing that he's noticed is that everyone who has a significant healthcare issue wants to stay at home as long as possible and that's a very expensive proposition.  We had one case where both the parents needed around-the-clock care and the cost was about $200,000 per year.  So folks understand the potential devastation self-insuring can have on the family finances and have chosen to keep their insurance.
3. Poor investment performance.  Insurance companies invest a large portion of their assets in fixed income securities such as bonds.  Everyone knows about the dismal returns currently being paid on high quality bonds, CDs and money market accounts.   Most intermediate, high quality bonds are currently paying under three percent while the historical norm is 4.5% to 5.5%.  That's a big arithmetic error for the insurance company actuaries and has been a significant contributor to their losses.
A lot of policyholders are mad about the premium increases and are considering cancelling their policy.  He would caution you to reconsider.  Understand that the insurance company is losing money because they are paying out substantially more claims than anticipated.  He also thinks you should anticipate that the insurance companies will continue to raise premiums in the future so you should prepare and budget accordingly.
People detest spending their hard-earned money on insurance premiums with the possibility of never receiving a benefit.  The insurance companies have developed a hybrid policy that combines life insurance with long-term care insurance.  In essence, what you don't use as long-term care benefits, your beneficiaries will collect as life insurance.  For example, you purchase one of these hybrid polices where the death benefit if $200,000.  During your lifetime, you use $150,000 of long-term care benefits.  At your death, your beneficiaries would collect $50,000 of life insurance proceeds.  If you never used any long-term care benefits, they would collect the full $200,000.

I have long-term care insurance on myself and my wife and I plan to keep the policies.  If you own long-term care insurance or are considering buying a policy, be sure to consult with an insurance professional who specializes in this product. For more information, visit www.welchgroup.com.

GARDENING - Jimmy Rockett showed us what to do now to help prevent weeds down the road. Jimmy says to always measure your length and multiply it by the width because if you just buy a bag and apply it , you could thin the product and then it's not going to be effective . Jimmy also says to read the label to see if your pre emerge prevents Poe annua, a bad weed. Up north , it's what they use for grass, but here in the south, it's just a bad weed. Jimmy also does not recommend fertilizers in with his pre emerge. Not all fertilize / pre emerge are the same. And be sure to mark your calendar on the day you applied your pre emerge ... then reapply every six weeks through April . For more information, call Jimmy at (205) 981-1151, email him at jimmyrockett@att.net, or visit his website at , www.rockettsbugjuicegardens.com.


Tomorrow on Good Day Alabama, Jeh Jeh visits with more animals from the Staples Safari Zoo live at the Northwest Alabama Fair in Jasper!  It will be hump day so Jeh Jeh might just ride a camel! And Mickey takes us to the Birmingham Zoo to meet his friends who are pretty cute themselves! The Broadway production of Jersey Boys comes to Birmingham! We talk with the stars and check out all the fun! The doctor joins us to take your questions! And FOX's new NFL commentator, Rob Riggle, joins us with his thoughts on the season! Join us for all of this and much more tomorrow on Good Day Alabama!

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