Good Day Alabama for May 6, 2014

Good Day Alabama for May 6, 2014

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Here is what you saw on Good Day Alabama for May 6, 2014:

JEH JEH LIVE - UAB's Alys Stephens Center presents Light Dreams II in 3-D (glasses provided!) at 8 p.m. each night on May 8, 9 & 10th. It is free & fun for the whole family. There will be food trucks & interactive light-themed activities. For more information, visit or call (205) 975-2787.

BETH K - UAB Nutritionist says southerners have the highest rate of preventable deaths. The Centers for Disease Control and Prevention (CDC) published this report that analyzed causes of death in the United States from 2008 to 2010. They broke the data down based on state, cause of death, expected deaths, and how many of those deaths were preventable. Let's start with the top 5 causes of death in the U.S.: Heart Disease, Cancers, Chronic Lower Respiratory (Breathing) Diseases ((emphysema, COPD, asthma, pneumonia), Stroke, Unintentional Injuries. So how could we prevent at least some of these deaths? Let's take a look at the most important habits that could help Alabamians be healthier:
Healthy Habits for Alabamians
1.    Stop Smoking
2.    Lower Blood Pressure with Diet & Exercise
3.    Avoid Obesity
4.    Wear Your Seatbelt
5.    Don't Drive Distracted or Intoxicated
6.    Get Regular Check Ups with Your Doctor
Now,  a lot of these are not easy things to achieve. It's hard to lose weight and stop smoking. So enlisting the help of a professional such as registered dietitians and behavioral psychologists is a great place to start.

MONEY TUESDAY - Want to know that your children will use your money wisely after your death? Stewart Welch explained how to set up a Legacy Trust. Parents worry about leaving too much money to their children for any number of reasons.  They worry that the money will create a disincentive for the children to work hard and strive for their own success.  They worry that the children lack the experience for investing large sums of money.  They worry that the children will spend the parent's hard-earned money unwisely.  And they certainly worry that a spouse or ‘significant other' will end up with the money through a divorce or deceit.  With all of these concerns, what can a parent do to protect children from themselves and others?  Having worked with families and their finances for over thirty years, Stewart would recommend using a Legacy Trust.  It contains a number of key elements:
•    Typically, it's a trust you set up under your will and it doesn't become ‘operational' until the last of you (parents) dies.
•    Typically, your money remains in trust for the lifetime of your child.  However, you can provide for distributions of principal at predetermined ages if you wish.
•    It has provisions that provide appropriate monthly cash flow (income) during your child's lifetime that rises over time to offset inflation.
•    Provisions are also included that provide for access to principal under certain circumstances such as for healthcare needs, education, down payment for purchasing a home or other situations that you think would be important.
•    There are specific provisions that insulate the money from a divorcing spouse.
•    There are specific provisions that insulate the money from a judgment in a lawsuit.
•    You can include a provision that protects the money from potential estate taxes (within limits).
•    You can even set the trust up so that it is available for multiple generations of heirs providing funding for education and other needs.

If you think about it, a child who receives a large inheritance only has two choices: spent it or invest it.  If she chooses to spend it, there are only two choices: spend it wisely or spend it inappropriately (from your perspective).  If she chooses to invest it, she only has two results: invest it well or invest it poorly.  Given these choices, the use of a trust with a professional trustee significantly improves the chances that money will be spent appropriately and invested well.  Understand that you have tremendous flexibility in how you design this trust. If you'd like a White Paper with more details on the Legacy Trust, email; write ‘Legacy Trust' in the subject line, and he'll email you a free copy.  

GATES SCHOLARSHIP WINNERS - Jefferson County schools have had four Gates Millenium Scholars over the years... now they have six! This is a prestigious scholarship for graduate and undergraduate degrees to students selected by the Bill and Melinda Gates Foundation. Only 1,000 nationwide are selected each year from a pool of 52,000 applicants. The winners simply must study science, math, or the computer sciences. Each scholarship along with mentoring support is worth about $250,000 and then graduate school opportunity on top of that if the student is so inclined for graduate school……another HUGE gift of bounty. It is easily comparable to one of the military academies which is between $250K and 300K. Jefferson County has two winners this year! One is from Minor High School and the other from the Jefferson County International BaccalaureateSchool. We talked with them live on Good Day this morning.

SAM WOOLF ON IDOL - The American Idol top 5 contestants performed last week for your votes. They each performed two songs picked by their fans. Sam Woolf ended up with the lowest votes and is headed home. Mike & Janice talked with him about the American Idol experience.. For more on this season of American Idol, visit

GARDENING - Sandra Reaves joined us to discuss your garden! She says to plant your vegetables now! The overnight low temperatures are over and it is safe! She also taught us about violet leaf tea! For more information, visit her Facebook page - it includes lots of pictures, tips, how to videos, and info on veggie trials going on in the garden.  It's a "real time, real life" look at home gardening and food preservation. You can find her at

- Susan Swagler writes about books at her "Turn the Page" blog and in Birmingham Magazine. She introduces us to books to read now! These books, some about immediately relevant things and all offering immediate satisfaction, are what to read now. She introduced us to
    Manage Your Day-to-Day:  Build Your Routine, Find Your Focus and Sharpen Your Creative Mind edited by Jocelyn Glei
    Come Home to Supper by Christy Jordan
    Tiger Shrimp Tango by Tim Dorsey
    The Greatest Star on Earth by Kate Klise, with illustrations by M. Sarah Klise

Tomorrow on Good Day Alabama, is the economy really getting better - how can we know? Matt Pitt talks with us in his first interview since his release from jail. Dave Ramsey's daughter Rachel Cruze joins us with advice on teaching your kids about money! Paul Rodgers of Bad Company and Queen joins us with his latest solo album - "The Royal Sessions." Jeh Jeh takes us to Regions Field for the scoop on this weekend's GuitarBeerQue! And the doctor joins us to answer your questions! Join us for this and much more tomorrow on Good Day Alabama.

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