[Music] hi everyone I'm Olga Villaverde
welcome to The Balance Act, good morning
I'm Amber Milt.
On todays show, ways to improve your
health.
I'll be learning about dry brushing our
skin, get it?
I got your message, and you know who
never gets under our skin? he's so cute
uh-huh it's chef Ralph Pagano, I believe
he's baking up something good, I believe bread is in the
oven.
I'm striking gold but it's a
different kind of dough.
Oh you know what it smells
dough-licious.
Oh my god between you both, I don't know
who's more corny.
Okay all that and much more
coming up on bum bum bum, The Balancing Act.
[Music] you know we're all different
inside and out and that's the main reason
why many doctors now take our own genetic
makeup under consideration when it
comes to prescribing medicine,
it's called personalized medicine or
precision medicine.
Returning to the show
once again is Dr. Jay Wohlgemuth of
Quest Diagnostics Incorporated, good
morning.
Hey thanks for having me back.
Oh no thanks for being here because
today we're going to focus on
personalized medicine hearing it more and
more let's talk about that.
Yeah well personalized medicine is
really the use of genetic testing or DNA
sequencing to determine what therapies
will work in someone and which therapies
may not or may even cause side effects
or toxicity.
So it's moving away from the
trial and error approach that we've used
for so many years, right?
Absolutely it allows you to really determine
in a person which therapy will work
in advance, as opposed to trial and
error where you try something and six
months later to figure out it actually
doesn't work.
And you've wasted all this time and
money and you could have had to answer a
lot earlier.
Absolutely.
Doctor are there
any areas of Medicine in which patients
benefit from personalized medicine more
so than others.
The area that really is
picked up is around cancer.
Of course.
You know people with cancer in the
past would get a standard therapy
just based on a population and six months
later determine if it worked or not,
so now what we can do is we can take
the tumor tissue, sequence the DNA and
determine based on that which therapies
will work which therapies won't work and
which may cause toxicity and really
important information to optimize cancer
therapy.
So that one size fits all, is no longer
it's more of a target.
Much better
approach to know in advance what may
work before you undertake it and it's
not just a matter of cost its life and
death.
Of course.
What world does Quest
Diagnostics play here.
Well it turns out
for cancer specifically that 70% of
cancers are treated in community cancer
centers or community oncology centers,
and so we're able now to deliver genetic
information to those physicians and
patients in the community and we do it together
with IBM Watson, our partner where we're
able to crunch all the data that's
needed to determine the data of all of
these genes and all of these therapies, which therapy
works given this gene and also what
clinical trial may be out there for a
patient to enroll in based on their genetic
data.
Again more specific for the patient's
needs and what that patient needs at
that moment.
Targeted.
mm-hmm, Now for
patients who take several medicines
daily, does this help them maybe reduce
those numbers.
There is an approach there
that's highly beneficial in people with
multiple therapies to determine which
therapies will work but also which
therapies may interact and which therapies may cause toxicity and
again it's all about getting away from
trial and error because if you're on
eight medicines and you're trying one
and you're trying another and six
months later you figure out your
regimens not working, you know it's a
backwards way to work.
So now we're able to sort of do
some work upfront to try to optimize
your therapies in the beginning.
So what would you say the future holds
for personalized medicine.
Well there are a
lot of new tests coming and new applications, but really what I
see is convenience making this much
more convenient for people, so what
you'll see in the future is testing
available in grocery stores and pharmacies.
Really.
You'll also see what I really like is
home based testing.
What's that?
Well that
would be a case where you're able to
obtain a genetic test and have the box
dropped on your lawn just like an Amazon
order, take that box inside collect the
sample yourself send it in and have the
results come back on your smartphone.
As opposed to waiting weeks and
weeks to having to get it done.
Yes and see a
doctor and then go to another appointment it really lowers the
barrier to getting it done and I think a
lot more people will get involved
and get testing done because it's just
more convenient in the future.
And always
consult with your doctor first.
It's really important to consult with
a doctor about what testing makes
sense but also to have that doctor
available to help you understand what do I
do with this information
when I have it.
Great stuff thank you so much.
Thank you Olga.
Thank you doctor, and if
you'd like to learn more about this
personalized medicine or how Quest can
help you and your family with preventative health care visit
their website Quest Diagnostics dot
com slash patients, or go to our website
the balancing act dot com.
All right up next
home loan tips and more stay with us.
[Music] What if I told you there's a
simple wellness trick that only takes
five minutes a day, cost nothing, and
helps cleanse your body inside and
out.
Wow it's called dry skin brushing
here to talk about the health benefit is
just Jeff Van Hecke, National Sales
Manager from Yerba Prima.
Good morning.
Can you see I'm excited?
Yeah you are.
Inside and out cleanse your body.
That's right.
This is great, all right Jeff so what are you
dry brushing?
Well it's exactly what it's
sounds like.
Ive never heard of it.
Okay well it's exactly what it
sounds like, dry brushing the skin and
it's in a certain pattern to help
stimulate the lymphatic system and kick
toxins out of the body.
So why would
people do this brush their skin.
Well it's very important because the
lymphatic system has no central pumping
mechanism okay so it has to travel
backwards in an upward motion towards
the heart and when you move it along
with the dry brush, it actually helps to
stimulate them that process removing
toxins from the body.
And the benefits
are?
The benefits are healthier happier
body.
Okay.
Going to help to remove those
toxins, those unwanted toxins from the
body, it also helps to exfoliate the dead
skin cells which is very important
because you're opening up the pores and
you're bringing the new cells to the
light of day.
And of course I'm going to
bring to light something that many women
worry about, which is cellulite, not that I
have anything okay but just in case I do,
show me how this works and how it would
improve cellulite.
Okay well let you know
this is actually being used by a lot of
salons and alternative health practitioners throughout the
country for detox and also for cellulite as
a beauty brush.
Okay.
And what you want to do is
you want to start on the outer parts of
the body so you would start with the
hands and the feet you would go with up
your legs you'd want to come up your
arms brush your back and then do your
torso and you want to start very gently
because you don't want to irritate the
skin especially if you've never done a
dry skin brush before, but over time this will actually get
softer and you can adjust the amount of
pressure that you use.
And I would do this
before bath or after a bath, I would assume before.
You would do it before showering and
it will help you, you'll feel
invigorated after doing it, usually use it for
about two to three minutes
then get in the shower, it's going to help
help to wash away all the dead skin
cells and it's also going to help to get
rid of those toxins.
And what about
wrinkles I mean could I use it here.
No you would not want to use it on
your face.
Not on my face.
Not the face, the breast
or the groin.
Okay those are good areas not to do
it and after I do it what would I
notice, I'm going to try it.
You're going to notice
that your skin is going to feel much
better, you're skin is going to feel
more supple, you're actually kicking out the toxins so you're
going to feel invigorated that way and
overall you're going to be improving
your health.
And what do you tell the skeptics out
there that say come on my dry brush.
Well I'll tell you dry dry brushing
has actually been used by cultures
around the world for hundreds if not
thousands of years and so this is not a
new concept by any stretch
and we've actually, we invented the
category of cleansing whole body detoxing over thirty five years
ago in the natural foods industry.
So I tell my
skeptics you can count on Yerba Prima.
Okay thank you so much, you always
have great information.
Can I keep it?
Absolutely!
I'm going to try my dry brush
tonight, all by myself.
And this has been
a great segment, so to find out more
information about dry brushing and where
you can find this supplicate on this
skin brush go to yerba prima dot com, that's
yerba prima dot com, and go to our website
The Balancing Act dot com.
(Music) So reversing the hands of time
isn't technically possible, but a
reverse mortgage is.
Here's Olga with advice from
affinity and understanding the process.
ah retirement sounds glorious but when
time comes, when the time comes should you be considering
downsizing.
Well today our mortgage 101 miniseries
takes a look at reverse mortgage purchase with John Alexander and
David Villarreal from Affinity
Partnerships, they are here once again, good morning to
you.
Morning.
I still have like 40 years to
retire okay, what was it laughter for?
I don't know I thought I'd just
throw it in there a little bit.
So what is a
reverse mortgage purchase exactly.
Well reverse mortgage purchase is
actually the use of any cash proceeds to
buy a home under the reverse mortgage
loan process and be able to use that
money as a down payment, purchase it
under that auspices and not have any future
mortgage payments.
And John, when would it
be a good idea to do this?
I think people
should start thinking about it whenever
they start thinking about retirement
right, so as you're planning for your
retirement take a look at what how a
reverse mortgage might be able to play
into it because who wouldn't want to be
mortgage free throughout the rest of
their retirement?
Now before we talk a
little bit about reverse mortgages, you
gave us some great information.
David what's different?
Well the difference is when you have a
reverse mortgage you're actually
extracting the equity and having no future
mortgage payments.
In a reverse purchase you're
actually using cash to buy into an
upgrade or to buying even to a downsizing and that opportunity
of using that capital then also
frees you up of not having any mortgage
payments for the life of that loan.
David last
question or John rather, I'm sorry, what
do you need to do to qualify?
The key is you need to be 62 years
of age or older, there needs to be equity in the
home, and they need to meet your needs.
There are great financial advisors and
other counselors out there that know
about reverse mortgages, give them a
call talk to us, we're there to help you.
Fabulous information, thanks again
gentlemen see you soon.
And to learn more you can go to USA
reverse dot com that's USA reverse dot com or
go to our website the balancing act dot com.
And up next, boy sourdough tastes so sweet
in the hands of our sweetie chef Ralph.
[Music] Go green and reduce your car's
carbon tire print.
Hi I'm Jenny Isenman with
some simple ways to make your car as
environmentally friendly as possible.
They'll improve your gas mileage, use
gills, and not to mention save you money
at the pump.
You can improve gas mileage
by four percent on a proper tune-up and
up to forty percent when fixing a
serious maintenance problem.
Schedule an appointment at your local Sears
Auto Center and get a free vehicle
performance snapshot evaluation every
time you bring in your vehicle for
service.
Now it's time to get the junk
out of your trunk.
Extra items weigh the
vehicle down and cause increase in gas
usage, so try to keep only emergency
items, such as a spare tire and a
first-aid kit.
Topping off the gas?
Think again the next time you fill up
your car stop when the novel shuts off.
Topping off the gas tank can release
harmful vapors into the environment and
waste money.
And last but not least don't
forget to check your tire pressure.
Tires that are not properly inflated
at rolling resistance that makes
the engine work harder to move the vehicle.
Proper tire pressure can improve gas
mileage by three point three percent or ten
cents per gallon.
For more information go to
Sears Auto dot com or The Balancing Act dot com.
[Music] Are you ready to break some
bread Amber?
Oh I'm always ready for bread.
And delicious sourdough bread is on the menu and our chef Ralph
well, he's on a roll.
No time to bake bread it's
easy to be the toast of the town with a
great little shortcut from the bakery
section of your grocery store, I'm Ralph
Pagano from quick bites and welcome to
my kitchen.
Today we're talking about
tangy and delicious sourdough bread from
California gold liner.
This bread is
different from bread found in the
commercial bread aisle of the store.
It can only be found in the in-store
bakery section of your local store,
what's that mean that means it's kind of
special.
The inside is soft chewy and savory
and the bread that pays off in the fresh
bakery given that crisp unique crust
that you just can't find in the
commercial section.
This is the world-famous cheesy
bread what happened get yourself a
serrated knife little tip, whenever
you're working with bread always a
serrated knife it's got little teeth
that can go through the bread and make
it nice and easy to cut.
All Goldminer
breads contain no artificial colors,
no artificial flavors, and no artificial
preservatives and they contain non GMO
ingredients.
Do a crisscross pattern over
the top of the bread, run your knife
through the bread come across the top
again you're going to open it up a
little bit check this out, you see that
they're groovy easy that is nice.
now I'm going to combine these are on
must it going to give me a nice tang,
good old-fashioned mayonnaise, a
little bit of olive oil, fresh herbs, basil
and parsley, garlic, and I'm going to add
Parmesan cheese to this mix I got about a
half a cup here I'm going to put half
of that, about a quarter cup now I'm
going to mix it all together I'm gonna take
my whisk I take my bread I think my
little spoon nice place some mix right
inside.
Put a little bit of cheese inside each
and every one of these little pieces
you're just gonna drizzle a little bit
of olive oil over the top, I'm
going to bake it in the oven, 350 degrees, it
going to come out looking just like this, it's
absolutely perfect.
How about something
else kind of savory.
How about this,
I got a fried eggs ham and cheese
sandwich over here, absolutely great.
it's not all about savory, it's
also about sweets.
How about we come down over
here and look at the bread pudding.
I got A beautiful blueberry and
sourdough bread pudding, just a little bit
of cream some sugar whisk it all together
with an egg pour it cut the bread
dropping these little baking dishes put in the
oven with blueberries, strawberries,
bananas, whatever you got, whatever
fruits in season, you're going to love it.
How about this, my kids go crazy for it.
I just
toasted the sourdough bread, take whipped
cream cheese, put it over the top slice
kiwi fruit, raspberries, blackberries,
strawberries, it's all absolutely amazing.
Find this bread in the bakery section of
your grocery store or go to California
gold miner dot com, or our website
the balancing act dot com and don't forget to
share your favorite recipe with us.
Remember, this is a bit of quick bite,
Hold on I'm going with the big boy right
now, but too slowly [Music]
[Music] If you own a home then you've
heard of home equity lines of credit
known as a HELOC, but what do you really
know about them?
On this edition of mortgage 101
sponsored by Affinity Partnerships our
mortgage experts John Alexander and
David Villarreal will give us a quick
overview of key locks.
Welcome back to both of you.
Thank you.
Alright so you've really shared a lot of
great information on our mortgage 101
series this one's big because a HELOC
what exactly is it.
Well a HELOC is a
easy simple way of accessing equity in
your home and there were only two ways
of doing it you can either get a cash
out refinance or you can get an whole
equity of line credit.
Cash out allows you to
take a lump sum and a HELOC allows you
to get a line of credit so you can
actually use almost like a checking
account and use that money for whatever
you want.
And people nowadays could use
that.
So David are there any special
qualifications to securing a HELOC.
Not necessarily, actually a HELOC is
just like any other mortgage
instrument.
You'd have to qualify go through the
specifics of an application and produce
the documentation that's necessary
to fund a HELOC.
So let's say I want to secure one,
I need one, I want the extra cash, what
are the steps in the process that I
would do.
You know similar what David
says, it's pretty simple, straightforward,
but the differences are for from a
regular cash out refinance or what other
is you don't typically need a full
appraisal, so they're a little bit
cheaper, a little bit quicker.
It's an easy tool to get the money out
of your home.
So for a lot of people that really
don't know much about HELOC or don't
realize that they could have that cash in
their pocket.
All they need to do is work
with a mortgage professional, find out
what the equity is in their homes and be
able to qualify for that loan.
Great information, I've learned so
much so far with each other again.
Yes.
Thank you.
Thank you so much gentlemen.
To find out
more about Affinity Partnerships at
their site go to Affinity PS dot com or go
to our website The Balancing Act dot com.
Well I'm sure you're relieved your
mortgage is all set.
Oh yes ma'am.
No need for a home equity line of credit
you know.
But we're getting ready for it because I
know homeowners gotta be prepared.
Oh Always.
And if you want to be prepared,
you're going to want to go to our
Facebook page and our website and follow
us on Twitter because we've got lots of
great information there.
Thanks for
watching everyone we'll see you next time.
[Music] [Music]