RE/MAX 440
John F. O'Hara

John F. O'Hara
731 W Skippack Pike  Blue Bell  PA 19422
Phone:  610-277-4060
Office:  215-643-3200
Cell:  267-481-1786
Fax:  267-354-6973

My Blog

Nutrition Myths That Sabotage Your Diet

May 9, 2016 1:03 am

If dropping a few pounds is on your agenda, don’t look to the trendiest new diet. Nutritionists assure the best way to lose weight is to follow tried-and-true nutrition guidelines—but some of the guidelines we’ve taken as gospel may be doing us more harm than good.

Dietary and fitness experts cite five nutrition myths that may be doing us more harm than good:

1. It’s healthier to eat egg whites than whole eggs.
The yolk contains 40 percent of the egg’s protein and the lion’s share of iron and B vitamins. It also contains all of the egg's fat-soluble vitamins (A, D, E, and K), and that extra fat helps keep you full and satisfied for longer than you would be with just the whites. Bonus: the most recent research shows the cholesterol in eggs has a much smaller effect on total cholesterol and harmful LDL than we thought.

2. Fat-free or low-fat foods are best.
When a product is artificially made low-fat or fat-free, it won't be as satisfying due to the absence of fat, which keeps you full longer. This can lead to overeating because you never feel satisfied. Artificially fat-free/low-fat items often have sugar and other fillers added, as well. Go for the natural full-fat version of yogurt or peanut butter, for example, to satisfy your hunger and skip the additives and sugar.

3. Multigrain or wheat bread is a healthier choice.
It is, but only if 100-percent wheat or 100-percent whole grain on the label. Unless 100 percent is noted, it may be just white bread with a tiny grain of something added—or with caramel color added to make the bread look darker.

4. White potatoes are a poor choice.
White potatoes get a bad rap compared to their orange cousins, but they're packed with fiber, which helps keep you regular and aids in feeling full. They also have more potassium than sweet potatoes!  A USDA study recently found that the levels of phytochemicals in them rival the amounts found in broccoli, spinach, and brussels sprouts.

5. Diet soda aids in weight loss.
Several studies have linked artificial sweeteners to weight gain. Why? The research suggests artificial sweeteners actually increase appetite and contribute to sweet cravings. The more you know!

Published with permission from RISMedia.


Tags:

Don't Get Duped: Scammers Peddling Good Credit Scores

May 9, 2016 1:03 am

Was your credit negatively impacted by the downturn? Don't be lured by the promise of a raised credit score, Freddie Mac warns. Schemes that falsely raise credit scores will land borrowers in scalding hot water—as well as cost time and money combating both origination- and servicing-related fraud.

Consumers should watch for any person or credit repair service trying to "help" with one of these three common fraud schemes:

1. Disputing Credit with Credit Bureaus

2. Falsely Claiming Identity Theft

3. Misusing Credit Privacy Numbers (CPNs)

Your Credit Privacy Number (CPN) is a nine-digit number that can be used in lieu of a Social Security number (SSN) for credit reporting and other financial purposes, like applying for a loan. Given that it helps shield your finances from the public eye, it's most commonly used by borrowers in the public eye, such as celebrities and politicians.

But some consumers with poor credit acquire a CPN with the intent of creating a new, clean—and misleading—credit profile. It’s important to keep in mind:

• This is an illegal use of a CPN;
• CPNs were not created for this purpose; and
• Mortgage loans originated using a CPN are ineligible for sale to Freddie Mac.

Borrowers who use a CPN with the hope of leaving their bad credit histories in the rear view mirror are in for a rude awakening. As the Federal Trade Commission (FTC) points out, "By using a stolen number as your own, the con artists will have involved you in identity theft," for which you may face legal trouble.

Remember:

• Credit scores aren't used unfairly to block you from accessing credit;
• Credit scores ensure successful repayment of borrowed money.

Ploys to circumvent official credit controls will likely set up consumers to fail. The best way of raising and maintaining a healthy credit score is by consistently paying bills on time. A quick jump in credit score is never worth the stain on your record.

Published with permission from RISMedia.


Tags: