Thursday, January 17, 2013

The Path to Personal Growth

Something that most of us come to understand is the path to personal growth. However our journey to that realization may be varied. Experiences in our day to day lives teach us the importance of paying attention to what we are learning from challenging and something painful situations. As we grow our experiences teach us to follow a path that may make sense at the time. As a young man, before I was introduced to a path of personal development, I probably looked at the world differently. At that time, I adopted the knowledge I learned from my friends, my family and even from experiences in school. My viewpoint then was the rich get richer, and the poor get poorer. For many of my generation, our parents told us get a college degree, secure a great job and work hard and everything would be fine, that's what life was all about. But this did not work for me. For me, and others, we found that when life did not seem to work, this limiting philosophy was to blame.

I still remember the day my life was changed after listening to the tape of Mr. Jim Rohn. He taught me that rather than wishing life was easier, strive instead to be better. Face challenges in life by developing stronger skills. Look at challenges as the path to wisdom. What changed for me was the impact that personal development (PD) began to have in my life; I became devoted to mastering it in all areas of my life and making it my personal philosophy.

What about you? Have you given any thought to upgrading your life by studying PD?

Let me tell you it will take time and energy to create the habits of a stronger mind taking full responsibility for where you are going in life. So if you were to take that on what would that mean for you? Well for others it has meant being open minded, welcoming new ideas, establishing strong standards for your life. It doesn't happen overnight but surprisingly, putting one foot in front of the other you can get there. Who you become in the process is the part that is most exciting! An analogy that I love is the planting of a seed. It is something we can all relate to. Once that seed is planted it will grow, the roots may remain hidden under the ground for some time, but eventually the sprouts will burst through the ground and small green leaves will push their way through the soil and grow into twigs that become strong branches and eventually become a resilient and mighty tree. What went into cultivating that tree? It takes care, like water, sun, healthy soil, nutrients. Through the harvest, the foundation will come. No short cuts here! The analogy of the tree can be compared to the steps of Personal Development, let me share them with you now. The four principles that transformed my personal and business life are:

1. Endless possibilities come from new ideas obtained though a learning process of personal philosophy.

2. The necessary traits are a winning attitude, an inspiring life, empowering beliefs, enthusiasm, excitement and the willingness to make thing happen, rather than just wait for things to happen.

3. Combine the knowledge you have learned with action. Without taking any action your knowledge would be wasted. Nothing we suffer is in vain; it is all part of our growth to a more rewarding life.

4. Our results are always giving us feedback. By tracking our progress we can see the path we have journeyed Measure your results as a target for success!

For Many Couples It's Time to Update Their Estate Plans

It may be time for many married couples to update their estate plan. Particularly if you executed a revocable living trust with an A-B provision, also referred to as a Bypass trust, or a credit shelter trust.

The problem is that as recently as 2001 the applicable exclusion amount ( the amount that can pass to an heir estate tax free) was near $1 million dollars per spouse. Typically these bypass trusts were established so that no estate taxes would be due upon the death of the first spouse. They accomplished this by making use of the unlimited Marital Deduction which allows one to leave an estate of unlimited size to one's U.S. citizen Spouse ( non-citizens have to use special and burdensome devices known as Qualified Domestic Trusts- QDOTS)

EXAMPLE: Assume we have a happily married heterosexual couple, we will call them H & W for this example. Assume further that H has a separate property estate of $2.5 million and W has only modest sums. Further assume H dies first with the current annual exclusion amount.

Assume further that H & W had a credit shelter trust established when the applicable exclusion amount was far lower ( $1 million or lower). Assume further that the credit shelter trust did not provide for income and principal distributions to the surviving spouse because it was established solely for members of H's family ( those other than W). This is a common situation where there are children from different marriages involved.

What was contemplated when this plan was made was that given the same size of Estate ($2.5 million) and an applicable exclusion amount of $1 million ( what would have happened as recently as 2001) $1 million would have gone into the bypass trust for H's family, with the balance ( $1.5 million) going to fund the Marital deduction Trust which W could raid at will for her living expenses.

However, under the current rules and the above scenario no marital deduction trust would be created when the deceased spouse's estate was less than $3.5 million. So assuming H dies first, upon his death all of H's property would stay in the credit shelter ( aka bypass trust) and the marital deduction trust would never get funded. Now W would not have access to the income that she would have had when the applicable exclusion amount was lower.

So those with Estates greater than $1 million and less than 3.5 million may presently have a plan that will not accomplish the common goal of providing income and if need be principal to the surviving spouse. Indeed in the extreme example above W might soon end up penniless.

So what's the solution? Well for starters its time to see an Estate Planning Attorney in your area to amend your revocable living trust. Though technically called a modification in California, or a restatement, either way you are amending the terms of the trust. Most revocable living trusts are fully amendable while both spouses are alive and well and acting as trustees. With some relatively simple amendments, the problem can be avoided and the surviving spouse can be left with the certainty that he or she will have some means of support.

Why UK Residents Should Invest in Home Solar Panels

It is a fact that solar power is the future and today thousands of UK homeowners and businesses are installing homemade solar panels to switch to free source of power. There are many reason on why solar power can be best for your home, your family, your bank balance and of course, our planet.

As solar energy is produced using solar panels that are hassle free, it is much more efficient and convenient than other renewable methods (e.g. wind, etc). With liberal grants available now to UK residents, it is beneficial to install home solar panels. Many studies have indicated that by 2016, the cost of solar electricity will fall much below the retail cost of electricity in the UK, so investing in solar panels now is a shrewd investment for future.

Electricity companies now charge more for electricity consumed during peak usage hours (daylight hours). This means, with Feed in Tariff, you will be able to save more money during daytime, when your home solar panels are working and electricity prices are highest.

Currently, only limited companies are producing panels in the UK, but with increased demand, more and more manufacturers will join the race and we will see prices of panels falling to a considerable extent.

Many experts feel that if solar panels are used to their full potential in the UK, then 35 percent of its energy needs can be met this way. This is a unique opportunity for us where we can generate our own electricity, help our country, and do a bit to save our fragile environment.

Most of the home solar panel kits are highly efficient and can be installed with ease on your roof and the costs are reasonable. With grants from the UK government, you can greatly reduce the cost of home solar panels increasing the return on investment. The demand for solar energy is growing not only in UK, but around the world, and is an ample indicator that this form of energy is sustainable and affordable.

Once installed, the panels can last for decades and will generate free electricity day after day, thereby repaying their costs many times over.

You have many choices and a good installation company will guide you in the process and assist you in choosing the best and most efficient solar PV system as per your budget and location.

With years of hands on experience, these companies can install the right systems in the right way to give you the best results.

Some solar energy systems are grid-tied and owners can even sell excess electricity to utility companies if excess energy is generated by their systems. Other home solar systems are grid-independent. There will be an inverter installed inside the building for converting DC current from home solar panels into AC current an is used for running household appliances. Many businesses in the UK are also installing such systems on their office roofs.

Most of the panels are installed on the roofs while few are also installed in the garden or on the walls. Panels can be chosen depending upon your electricity needs and budget.

What is the Wind Chill Factor?

WCF Is the aggravating local effect of wind, realised as the temperature we actually feel on our exposed skin. This differs from the actual ambient surrounding air temperature, as the increasing speed and strength of the wind affects how quickly we lose heat from our bodies, and so affects how cold we feel. In cold weather environments, body heat is naturally lost through the combined effects of convection, conduction and radiation. This heat loss is made worse by the effects of stronger local winds. For those people who work outdoors, neglecting the effects of the wind chill factor can have serious repercussions. Frostbite and hyperthermia are real dangers, combined with wet clothing and wind chill can turn what would be considered a tame weather situation into a catastrophic situation in a matter of minutes.

Where the air temperature is 5ºC and there is no wind, then obviously there is no wind chill factor. What you feel is 5ºC. Where the air temperature is 5ºC and there is a 50 KP/H wind, the wind chill factor means that the temperature feels like -1ºC. Where the air temperature is colder, such as 0ºC, with a 50 KP/H wind, it feels like -15ºC. At lower temperatures, the wind chill factor is more severe, -5ºC feels like -22ºC with a 50 KP/H wind.

Fortunately, with sensible preparation you can protect yourself for all weather conditions. If you work outdoors in the cold, or know that you might be working outdoors, then ensure that you have the right sort of additional clothing that can cope with rapidly changing conditions.

Layering your clothes is the recommended way to stay warm, as air is trapped between the layers. It is better to wear 3 thin layers, than 2 thicker layers. Starting off with a good base layer is important, and can make a big difference when it comes to retaining body heat. Stay-dry fabrics are ideal as base layers. An insulating mid-layer, such as fleece or pile clothing will help to retain body heat. Finally, a waterproof and windproof outer layer made from a breathable fabric will protect you from the elements. It is also essential to protect your bodies' extremities, thermal gloves, a hat, and suitable thick socks will prevent the onset of frostbite. You might even need spare clothing if there is a risk of the weather getting colder, or that you might get wet. Keeping active will make your body produce more heat, but during periods of low activity the sweat you have previously produced will have a dramatic cooling effect, this may mean you have to wear even more layers to compensate.

It is clear to see that the wind chill factor has a significant effect on the temperature you feel. Even though the temperature might be just above freezing, add a strong wind, and you could soon be working in conditions of -10 ºC and below. Prepare yourself for all types of weather by making sure that you have the right workwear clothing.

Radar and Laser Detectors - Pros and Cons

Now in today's world it seems like everyone is out for your money. One of the most frustrating and costly things to pay for is a speeding ticket. Not only does it cost a lot of money ($115 on average) it also goes on a record that can be seen by future employers. This is a fact even though points on your license go away after three years insurance compnies jack up the prices and employers can find out how many tickets you have obtained. This can be more costly than you can ever imagine.

I have been given a speeding ticket in fact two of them before I ever used a radar/laser detector. It is the most annoying thing especially if you have somewhere to go. I was nervous as can be hoping everything was up to date. After I got all checked out and tried to argue out of the ticket I was handed a ticket. They did not put the price of the ticket on it. You have to call and then mail it to the police office. The frustration does not end once he pulls away.

Pro's After the two speeding tickets that I received I started to use a laser/radar detector. The first time I used it I borrowed a friend's. It was a very advanced laser/radar detector which cost about $300. As you could have guessed I did not get any tickets on my trip. I saw at least 10 police cars on my 3 hour drive and each and every time the laser/radar detector went of like a buzzer to alert me. It was very simple I could be half asleep and still avoid a ticket.

Con's There were some times that it presented me with false alarms. Most of these false alarms took place in city driving most likely caused by hidden police cars or major radio units in buildings. The use of a laser/radar detector will not slow your car down or cloak you so if you think it is a false alarm and don't slow down you will get caught.

Summary Taking everything into consideration it is well worth the money to get a laser/radar detector. I would personally be better safe than sorry. In fact I would have more than 2 tickets if I did not start using one when I did. I can be happy to say that I have not gotten pulled over in years.

Sweet Talk And Sugar-Related Illnesses

YES NO

1 Do you continually crave sugary foods or drinks?

2 Are you plagued by an uncontrollable, intense thirst?

3 Are you finding it difficult to sleep through the night?

4 Do you find it virtually impossible to lose weight?

5 Is your judgement of distance somewhat impaired?

6 Do you find it difficult to think clearly at all times?

7 Do you crave food between meals and raid the fridge at night?

8 Do you continually forget to remember important things?

9 Is your eyesight forever changing its focus?

10 Does climbing a flight of stairs sometimes exhaust you?

11 Do you have mood swings that surprise even you?

12 Do you often feel lethargic and depressed?

13 Could you be described as 'barrel-shaped' (by your enemies)?

14 Does a frequent urge to urinate hinder your mobility?

The number of people with sugar-related problems is climbing rapidly, but more worrying is that few sufferers know of their condition or understand the triggers. For this reason, and due to the expense, they don't follow up what they consider minor, stress-related complaints. If you answered 'yes' to any of the questions above, you could be pre-diabetic or diabetic and early diagnosis could make an incredible difference to your 'quality of life'.

As we age, our metabolism often works less efficiently. Losing weight becomes increasingly difficult and the array of super-processed foods at local supermarkets, make dieting difficult. We have allowed food manufacturers too much control over our intake, trusting their highly paid dieticians and food technologists to know what is good for us. Since their ultimate goal is to sell more products, their intentions differ radically from ours.

Check the ingredient labels on the pre-prepared supermarket goods in your grocery cupboards and 'fridge; would you expect to find sugar and modified cornstarch in everything from carrot salad to tinned meats? They are there, do us no good and can even be harmful.

Scientists used to believe that heart conditions could be blamed on our genes: if a parent had died of heart-related symptoms, the child was likely to suffer the same consequences. But our long-term eating habits can be as much to blame as any fault of birth. Each generation appears to increase the risks with simple, but deadly, lifestyle choices and bad habits: what we eat and exercising less.

Everything we eat, turns to sugar in our bodies. This sugar fuels our energy. If our bodies are starved of it, they will die. If they are regularly over-loaded with sugar, in conjunction with high cholesterol or high blood pressure, heart disease can result. Untreated sugar overload can also have several other nasty consequences. Insulin, manufactured by the pancreas, injects blood sugar into the cells. Whenever we eat, insulin-production in the pancreas should increase, in order to enable our cells to metabolise the sugar from the food and then use it, in the form of energy.

When this doesn't happen, our bodies cannot process the sugar they need. Excess sugar then turns into fat, which is largely stored around the midriff. So: a side effect of the inability of the body to process fuel properly, is excess weight, which becomes an additional burden to a fragile heart/pulmonary system.

Nearly half of all who suffer from heart attacks, also share another common, purely diet-related metabolic problem: pre-diabetes. This 'insulin-resistance syndrome' has now been conclusively linked to obesity and heart health.

Action plan 1:

1. If you answered 'yes' to some of the initial questions, have a simple finger-prick test at a pharmacy.

2. See a doctor, if so advised. He/she will follow up with a diet plan, oral or insulin medication, if necessary.

3. If your answers were all negative and you are very active, remain aware that diabetes is now manifesting in younger people; eat and exercise wisely to remain fit. Help yourself and your family by cutting down on all drinks containing sugar - fizzy drinks, cordials and fruit juice. Eat fewer sweets.

There are two main types of diabetes: Type 1 and Type 2. Type 1 is considered the more serious and has historically been diagnosed in young children. Type 2 was previously commonly called 'adult onset' diabetes and generally appeared around middle age, but is now seen far more often in much younger adults and even in children.

A third type does actually exist, but has only recently become frequently mentioned. 'Pre-diabetes' describes the stage where body cells begin to resist metabolising sugar intake. People with this condition are not actually diabetic yet, but soon will be, unless steps are taken to reverse the situation. This condition also indicates a clear link to future heart disease.

Diabetes, its stages and types

Normal Indications - Insulin is produced and blood sugar is absorbed by cells for energy.

Symptoms - Feeling fantastic.

Possible consequences - Dying of old age.

Management - Eat healthily, exercise regularly and be aware.

Pre-diabetes Indications - Fluctuating blood-sugar levels; often misinterpreted general malaise.

Symptoms - See quiz in previous issue.

Possible consequences - Type 1/2 diabetes.

Management - Sensible and regular eating, more exercise.

Type 1 diabetes Indications - Insufficient insulin production and low carbohydrate metabolism.

Symptoms - Very high sugar levels/coma.

Possible consequences - Heart disease, kidney failure amputations, blindness, etc.

Management - Diet, insulin injections and daily exercise.

Type 2 diabetes Indications - Insulin production usually normal but cells resist sugar absorption.

Symptoms - High sugar levels.

Possible consequences - Heart disease, kidney failure amputations, blindness, etc.

Management - Diet, daily exercise + possible medication.

Doctors and dietitians work with diabetics to find the correct medication dosages and diets to control their levels of sugar resistance. To most diabetics, the most difficult part of the illness is the diet. As with heart-healthy diets, boredom is the danger of limiting food-intake, long-term.

Diabetics want acceptable, affordable, healthy treats to take the place of forbidden foods and can be frustrated by price and availability. The main aim is to keep blood sugar at a reasonably low level at all times, with cells neither over- nor under-loaded. This indicates a need for more regular, but smaller, meals; which keep the metabolism constantly active, but discourage sugar 'spikes' (sudden raised sugar levels). Well-behaved diabetics eat something every two hours, but have smaller meals and regular snacks in between.

What constitutes a 'snack' is of vast importance - if it's pre-packaged in foil, it's bound to be bad! Added vitamins, iron, etc. in processed foods are only necessary when all the original vitamins and iron have been purged by the refining process - avoid them. Better, by far, are small pieces of deciduous or citrus fruit, a dozen or so unsalted nuts or lean protein with a raw salad vegetable.

It seems that previous generations were getting right what we, with all our superior scientific, manufacturing and technological knowledge, have not. A book on nutrition, published in 1950, tells me that the only foods likely to sustain us from breakfast until lunchtime are eggs and milk. The Scots, of course, swear by oats porridge and for many South Africans, mielie meal is the obvious choice.

What many diabetics have only found out recently, is that all refined (white) starch is virtually as unhealthy as spooning sugar down your throat. Yellow mielie meal and slow-cooked oats are far better choices than instant or 'quick cooking' alternatives. In the novel, The Power of One, Courtney Bryce maintains that the Apartheid government came into power on the strength of a single, simple promise: making white bread available again in post-war SA. How easily is Man swayed and an entire nation's health destroyed!

Measuring sugar levels

Measuring blood sugar levels is about taking readings before and after we eat and remembering that everything we eat or drink converts to sugar. It doesn't have to look like sugar to act like it! The latest friend to diabetics is the GI (Glycaemic Index) and its introduction has disproved many of the theories that nutritionists previously recommended. The GI measures the rate at which particular foods raise sugar levels in the blood and thus points to some foods that should be avoided and others that have little reaction on our blood sugar levels. The best news of all, perhaps, is that it recommends yet others that actually reduce sugar levels naturally.

Action plan 2 1 Ask your local supermarket whether they have any GI pamphlets. These list the GI indices of

various starches, fats, fruits, vegetables and proteins, enabling wiser shopping choices.

2 To improve your family's general health and reduce future risk of diabetes and heart disease, try

reading The South Beach Diet by Dr Arthur Agatston (published by Headline) or The Sugar

Solution by Sarí Harrar & associates (published by Prevention Health Books).

2 Do something active with your kids every day, even if it's only walking around the garden or

throwing and catching a ball.

3 Cut down on all white, refined carbohydrates - bread, rice, pasta, mielie meal and potatoes.

Switch to seed bread, brown rice/pasta and yellow meal, to feel fuller, for longer and easy to eat

slightly smaller portions.

The sugar/heart link

Cardiologists once taught that eating fat clogged our arteries, causing blockages in our blood vessels. These blockages starved our organs of oxygenated blood and caused strokes and heart attacks. Patients eliminated all fat and fat-containing foods from their diet. TV advertising continually reminds us that certain margarines are considered 'heart-safe', while all animal fats are taboo. At another level, debates revolve around hydrolysed, good and bad fats.

Essentially, the biggest problem encountered with heart patients was that the low-fat, high carbohydrate diet advised by Heart Associations was unsustainable. Once patients became bored and disillusioned, they risked dying younger over living miserably. Moreover, those who managed to stick to the diet, saw little improvement in their blood chemistry.

Opinions have changed quite radically over the last ten years: while heart patients still monitor what they eat, those fats we usually call 'oils' are now considered necessary for lowering cholesterol. These include olive and rapeseed oil, fish oils, avocado pears, nuts and seeds. Other food, previously banned, is now considered good for us in reasonable quantities: dairy products, eggs, lean red meat and prawns, for example.

For those who once existed on a diet of skinless chicken breasts, white fish, salads and un-spread bread, this is a relief. Cholesterol is something our bodies cannot do without but abnormal amounts in the blood make us targets for heart disease.

Weighty problems

Certainly, many heart patients are overweight; just as some, but not all, have high cholesterol or high blood pressure (these do not always go hand-in-hand). Defining the profile has been difficult, but cardiologists are slowing coming to agreement: the most common denominator in heart patients, is diabetes or pre-diabetes.

Continual high blood-sugar levels are now considered responsible for changing the chemistry of our blood, making it stickier and thus causing clots to lodge along our blood vessels. And high blood sugar is caused mostly by two simple factors: the way and what we eat, and a lack of exercise. High blood sugar damages eye capillaries, resulting in diabetic retinopathy, a leading cause of blindness. It also raises the likelihood of glaucoma and cataracts.

Just because diabetes is manageable, does not mean it is not serious. Continual overindulgence will lead to a reduction of options. Once diabetes options are depleted, people lose limbs, go blind, have kidneys damaged beyond repair, etc.

Prehistoric man's part

Cave men, women and children seldom enjoyed three meals a day. When Mr C. Man occasionally managed to make a kill, they all gorged on a hearty meal - with no 'fridges to keep the kill fresh, dangerous animals were likely to scrounge anything set aside for the following day. Our bodies were designed to convert excess intake into fat, so that a few weeks of sparse eating would not herald our demise. Unfortunately, biological evolution has been slower than technological revolution and our brains have not yet adapted to our more regular eating patterns.

Genetic programming often supersedes mindset. Now that most of us eat far more regularly, we store fat that is never burnt off and even if we eat less than a regular three meals a day, our bodies become confused and store whatever they can, believing that our restraint may herald the onset of famine.

However, even if we don't eat three meals a day, we often eat at one meal, as much as we should at three (still thinking like cave men). When this happens, our bodies store more fat than normal, especially around the core, mid-section of our bodies. Because we don't do as much exercise as our friend, Mr C. Man, we are, quite literally, stuck with it.

Counting down

There has been a huge focus on exercise needs for over 30 years, but how many of us really listen? We have also been pumped full of theories relating to heart rate, aerobic versus anaerobic and other varied masochistic extremes. The upwardly mobile indulge themselves at gyms, at immense cost, to follow exercise trends and to find mates. What about ordinary people, though?

The latest theories should be music to our ears - exercise for twenty minutes every day (any more is not considered absolutely necessary for general good health). Walking is sufficient and there is, we are now told, no need to force the heart rate up too high. Walking reduces stress levels and cheers you up, because it releases mood-enhancing endorphins in your brain. Other theories suggest that walking 15 000 steps each day, will keep you fit. This will take between 2 and 4 hours; if your job entails lots of footwork, that's fine.

Reducing overall health risk is really all about retraining the next generation. Don't exclude your kids from an exercise program; keep it simple and avoid expensive gym memberships: equipment work is too strenuous for under-age children. Pre-school children are now being diagnosed with Type 2 diabetes and the researchers are blaming it all on TV.

Action plan 3

1 Deal with the excuses: time and cost.

2 Is spending 20 minutes with your kids, every day, too much to ask?

3 Wrestle on the carpet, kick a ball, walk part of the way to school together; move the action to a

public pool in summer or into the school playground during the winter. Start a community

gardening project or get a group together to maintain the school grounds?

4 Talk while you walk and laugh while you swim.

5 Whenever possible, keep discreetly active.

6 Cut down your alcohol intake - even beer causes a sugar spike. Best tactic? A single drink,

preferable a glass of red wine, drunk with a meal (not before it) so that your food can reduce the resulting rise in your blood sugar levels.

The Glycaemic Index can initially seem very complicated. We have all been told repeatedly that a healthy diet includes lots of fruit and vegetables, but this is not necessarily so; eating the correct fruit and vegetables is as important. These tips will make choices, easier to make...

1 Never skip meals; rather eat six small meals a day.

Sugar takes between 1.5 and 2 hours to reach your blood stream, after eating. To keep blood sugar levels constant, we need to eat between breakfast, lunch and supper and again, before we go to bed. Miss a meal or snack, sugar levels will drop and you'll overeat at the following meal.

A matchbox-sized piece of cheese with celery, a small handful of unsalted nuts or an apple make ideal between-meal snacks, If you have a sweet tooth, try sugar-free yoghurt during the evening. Controlling food intake is easier if you eat more, but smaller, meals every day.

2 ...the harder the metabolism must work to extract the sugar from food, the better.

For many years, carbohydrates were advised as the best basis of a diabetic diet, with protein kept to a minimum. A GI-related diet recommends lean protein as the best source of ongoing energy. Eat at least one low GI food with every meal and always include a low-GI vegetable. An omelette or scrambled egg for breakfast, with mushrooms or tomato, takes little more time to make than a slice of toast. And yes, an egg every day IS good for you and cheap!

3 Low-GI vegetables

Normal salad vegetables, green, leafy vegetables and marrows, cauliflower and broccoli are all 'okay'. The older the vegetable is, the higher its sugar content. Garlic, ginger, onions and lemon juice have nutritional merit. Beans and lentils, in soups and stews appear to lower sugar levels.

4 High-GI vegetables

Don't avoid yellow and orange vegetables and root vegetables, but eat these in only small quantities - pumpkin, butternut, carrots, beetroot, turnips and potatoes are all fairly high in sugar. Reduce the size of helpings; never add sugar during cooking and avoid frying in fat or sunflower oil.

5 Low- and high-GI fruit

Deciduous fruit, citrus fruit and all berries are considered best; tropical fruit, paw-paw excepted, generally has a very high sugar content. Be wary of bananas and watermelon. Cinnamon is said to increase the effectiveness of your body's insulin and stimulate the production of glucose burning enzymes, so try it sprinkled over fruit.

6 Don't avoid good protein

The calcium in dairy products helps you to lose weight and keeps your blood sugar in balance. Look for low fat, low sugar options, but a glass of milk or a slice of hard cheese is far healthier than pre-packed chips, snacks, sweets, biscuits or chocolate (and cheaper). The fat in dairy products satisfies the appetite. Cottage cheese and eggs are less expensive than meat.

7 Oils and fats

Fats are satisfying and therefore help us to know when we have eaten enough. Cut out fatty meat and cut down on red meat, but heart-advised margarine, olive, peanut and rapeseed oils are considered fine. Small quantities of unsalted nuts (almonds are considered the best) or sugar-free peanut butter can be eaten daily. Avocado pear is a delicious substitute for meat. Avoid sausages and boerewors - too fatty - but enjoy the occasional, trimmed steak.

8 Carbohydrates

Excess weight comes largely from carbohydrates, especially the highly processed ones. Modern, industrial processing removes the fibre from food, which, in turn, significantly changes the metabolic process. The Glycaemic Index clarifies the absolute relationship between carbohydrates and sugar. If you decrease bad carbohydrates, insulin-resistance retreats, weight decreases, metabolism improves, carbohydrate cravings disappear and blood chemistry improves.

Change from corn flakes and refined cereals, to sugar-free muesli; from white or whole wheat bread, to seed bread; from white to brown rice, pasta, flour, etc. Surprisingly, sweet potatoes are lower GI than plain potatoes. Most important is to reduce portions slightly. Eat no more starch than could fit into a tennis ball, but also, don't omit carbohydrates completely for any longer than two weeks.

9 Sweet tooth?

Ideally, diabetics should avoid sugar completely, but who's perfect? Men are less inclined to admit to cravings, while women often view chocolate as a cheaper version of Prozac. Bearing in mind that refined starches raise blood sugar levels as quickly as sugar, never be fooled by the notion that sugar only exists in cakes and sweets.

Fast, pre-packaged, processed and tinned foods, flavourings, sauces, crisps, pickles, dressings, etc. often contain liberal sugar- and refined-starch additives. Avoid them and start using spices and herbs for flavouring. Note which of your favourite foods contain sugar and reduce the size and frequency of your portions, eating more low-GI vegetables to compensate.

And if you must eat cake or sweets, train yourself to eat those that do the least harm: a small portion of ice cream, egg custard, a bran muffin, milk tart, cheesecake or a whole wheat biscuit, instead of icing-covered confections made with lots of white flour. Boiled sweets are sugar-rich whereas a small portion nut chocolate (preferably dark) is occasionally excusable. Chocolate and red wine contain protective anti-oxidants, but should be consumed sparingly.

10 Lifestyle change

Don't go hungry - continuously level, low, blood sugar stops hunger cravings and you will begin to enjoy natural tastes again. You may even lose some weight and, whether aesthetic vanities bother you or not, it's always good to feel lighter...and here's the bit I personally like least: if you haven't already done so, give up smoking!


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