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Donate Your Boat Instead When winter comes, your storage space gets tighter. Perhaps you have to store your boat, your summer car or your motorcycle. On top of that, you would generally prefer to have your daily car in a warm garage rather than sitting in the cold. Storing your extra vehicles for the entire winter can be a pain, and it can be expensive. Worst of all, it can feel like an unnecessary task, especially if you dont make it on the water as much as you used to. Donate Your Boat To Benefit Local Kids Instead of dealing with the hassles of winter boat storage, you should consider donating your boat to Wheels For Wishes! Because we benefit your local chapter of Make-A-Wish, your generous donation will help make dreams come true for local kids facing life-threatening medical conditions. Plus, with us, you wont even have to deal with arranging a tow or annoying paperwork! We take care of everything! Wheels For Wishes comes to you with free towing, and then we send you a 100 percent tax-deductible receipt in the mail. Come tax time, you can use this to get a great tax deduction when youre filling out your 1098-c. It really pays to donate! Donating is really easy! Just fill out an online donation form. While it is unclear which uses more water (so much depends on water pressure) one thing is certain: We would save even more if we just hung up the towel. Why not just turn off the tap? Americans while perhaps the cleanest are the worst offenders. When it comes to water consumption some of us are greedier than others. Americans while perhaps the cleanest are the worst offenders. Data from 2011 according to Statistica shows the U.S. using 1630 cubic meters per capita of water followed by Estonia at 1400 New Zealand at 1190 and Canada at 1130. Germany by contrast used just 400 cubic meters and Great Britain an eye-watering 140. No doubt Americans are excessive. Unless covered in mud there no reason to bathe ourselves or our children every day. Dr. Marie Jhin a dermatologist in San Francisco points to American Academy of Dermatology guidelines and notes that most kids under the age of 11 need to bathe just once or twice a week or when they get muddy or swim in public pools or lakes. Babies probably only need to bathe a similar amount even less she says noting that parents should not mess with infants natural skin oils by exfoliating them too much. As they hit puberty though send them to the showers! Teens get a bit oilier and tend to play more sports so once a day is a good guideline she says. But folks in their 20s to 50s can cut back to every other day and even less in their golden years because elderly skin tends to dry out. But people really are used to taking showers every day Jhin says and herein lies the problem: habit. To gradually introduce healthier daily routines both for the environment and our skin she recommends shorter showers and not oversoaping. Using less shower gel and shampoo will help cut down on time under the hose. My own kids are growing with my eldest approaching those oilier teenage years. I will have to see whether I can get her to shower more while getting my husband to shower less a surefire way to cause quite a stink. If you eat right and exercise (most of the time) and inherit healthy genes you may enjoy a long and healthy retirement with no healthcare expenses other than those incurred for annual check-ups and general preventative care. On the other hand if you are prone to illness your medical expenses could take a big bite out of your retirement savings and adversely affect the financial security of your retirement. Even if you inherit healthy genes and live a healthy lifestyle you may not want to roll the dice on what your health status will be during your retirement as the cost of long-term care could wipe out your savings. Even if you are doing your best to look after your health, you should not fail to prepare for the worst. Read on to learn how you can get started. What is long-term care? The U.S. Department of Health and Human Services defines long-term care as a variety of services that include medical and non-medical care to people who have a chronic illness or disability. Long-term care helps meet health or personal needs. Most long-term care is to assist people with support services such as activities of daily living like dressing bathing and using the bathroom. It goes on to explain that long-term care can be provided at home in the community in assisted living or in nursing homes. Do not think you will need long term care? Statistics from the Department of Health and Human Services suggest otherwise. They state that by 2020 12 million older Americans will need long-term care. Individuals who reach age 65 have a 40% chance of entering a nursing home and about 10% of the people who enter a nursing home will stay there for at least five years. Life expectancies have increased if your ancestors lived long and healthy lives it could mean that you are likely to live even longer. This increases the likelihood that you will need long-term care as the need for it increases the longer you live past age 65. Will you be able to afford long-term care? The national average cost for a nursing home runs into the thousands of dollars per month. This could be more or less depending on the state in which you live. With the average length of stay for current residents in nursing homes being 892 days and 272 days for discharged residents the total costs can add up to a significant amount. Further many patients require post-acute institutional skilled or custodial care which could add hundreds of thousands of dollars to the bill. You may think Medicare and Medicaid will pay for your long-term care but you must meet eligibility requirements for Medicaid. In order to qualify you must have virtually no assets. Furthermore there is a cap on the amount covered and Medicare does not cover all expenses for medical care and long-term care. Figure 1 shows the amounts you would be required to pay. If you are trying to eliminate pesticides from your children lives through a strictly organic diet new research might make those efforts feel futile. A study published in the journal Environmental Health Perspectives found that an organic-only diet led to a drop in exposure to pesticides common in food production but kids were still exposed to pesticides from other sources. Previous studies have shown that organic diet interventions can lead to quick drops in the presence of certain pesticides in children urine but those studies focused on dietary exposure instead of overall exposure. Researchers from the University of California Berkeley wanted to get a bigger picture of pesticide exposure and so focused on populations unrepresented in the previous studies. Specifically those studies did not look at low-income children in either agricultural or urban communities but instead focused on suburban and non-agricultural residents. To close that gap researchers tested two sample groups of children—20 kids from Oakland California (an urban area) and 20 more from Salinas California (an agricultural one). All were aged 3 to 6 years old from low-income communities and to keep cultural disparities from playing a role either Mexican American or Mexican immigrants. In the Salinas group at least one member of the household was an agricultural worker. The children ate conventional foods for four days organic for seven and then conventional again for five. Beyond organic vs. non-organic diets stayed relatively constant and urine samples were collected daily. When the scientists tested the children urine for metabolites—molecules formed during metabolism—representing different pesticides they found that while the organic diet resulted in a drop in some of those substances it did not cause a significant drop in others. Unsurprisingly the drops were significant for the metabolites resulting from pesticides used in food production like organophosphate insecticides and the 24-D herbicide but not for those typically used around the house (e.g. in bug spray) or detected in drinking water. Levels of certain metabolites were also higher in the Salinas children than the Oakland children which the authors note is consistent with the kids environments: The Salinas children live in an area where the pesticides are used the Oakland children do not. That could mean that the diet was not an important source of exposure for those pesticides lead researcher Asa Bradman told Civil Eats. The results point to the need to consider pesticide exposure from the environment at large he said not just through diet. When considering risk from exposure I would not say that conventional foods are unsafe he said. If you look at the American diet there is definitely great need for more fruits and vegetables and less refined carbohydrates. If a parents ultimate goal is to protect his/her children from pesticides focusing on diet is too narrow of an approach. This is not the first time researchers have questioned the need to worry about pesticide exposure from conventional foods. In 2011 University of California scientists reported that even the so-called dirtiest fruits and vegetables had less than 2% of the maximum amount of pesticides allowed by the US Environmental Protection Agency. They found there was no appreciable reduction of consumer risks in choosing the organic versions. While the study has some inherent limits—a small racially homogenous sample for example—it might be helpful to keep it in mind next time you are at the grocery store looking at organic produce that can be more than three times the price of its conventional counterparts. Pesticide exposure can be dangerous but trying to limit it through a strictly organic diet might be an expensive—and ineffective—way to do it. The US Supreme Court agreed Friday to hear yet another challenge to President Barack Obama health care law this one from religious groups refusing to pay for their employees birth control. The hearing expected before the high court in late March will mark the latest in a stream of legal attacks on the Affordable Care Act (ACA).