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Motorcycle Brake Pad Care – What you Should Know



Many bike owners steer away from carrying out any type of mechanical work on their machine. If all you are interested in is the ride, that is fine; as long as you have your bike checked and serviced by a reputable mechanic, on a regular basis. However, it’s simple to keep a check on your bike’s brake pads and doing so means that you remain safe on the road.

Using a professional motorbike sales site to purchase your machine from helps to ensure that it’s in good condition when you first ride it. However, it still makes sense to check the bike over. This includes checking the condition of the brake pads.

Why is checking your bike’s brake pads so important?

You may think that you would be able to tell if there was a problem with the brake pads just by riding a bike.  This is not necessarily the case because a worn brake pad can initially provide more affective braking than a brand new one. The material at the front of the brake pad wears away and the metal at the back makes good contact with the brake disc. This situation does not last long however as the metal eventually overheats which means that you could have seemingly good braking power followed closely be complete brake failure.

What to look for when checking brake pads?

Checking the brake pads on your motorcycle takes just a few minutes. There are certain things you should look out for.

There is more than ¼ of an inch of pad left. If there is less than ¼ of an inch left the pad should be replaced.

There is no uneven wear. If the wear is not even, check the slider pins to see if they are bent or damaged.

There is no oil on the pads. If there is oil present, you should check where the oil is leaking from and deal with that issue before replacing the pads.

The friction material on the pads is shiny in parts. This can be caused by excessive levels of heat and has an adverse effect on braking performance.

Any of these issues can mean that braking is not as effective as it should be and that you are in danger when you ride.

Changing the brake pads – use caution

It’s possible for you to change the brake pads on your bike yourself. However, you need to be careful when you are doing so as brake dust should never be inhaled. Use brake cleaning fluid to keep the area clean as you work, wear protective gloves and make sure that you do not inhale anything. If you feel safer, wear a mask over your mouth and nose while you are doing the work.

Keeping regular checks on the brake pads of your motorcycle helps to keep you safe while you are on the road. If you think that the pads need to be replaced, never delay in doing so. If you do not feel confident enough to do the work yourself, ask a professional mechanic for help.

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New Model for Estimating Healthcare Costs



When we ask employees about their financial security, they tell us their number one stressor is not saving enough for retirement. After that, they worry about the economy and after that, their personal health. But when we ask them what defines a good lifestyle once they stop working and what is the most important factor affecting financial security in retirement, they place health at the top of both lists. Meanwhile, as another survey has found, retirees are feeling less confident that they will be able to afford medical care and long-term care.

It’s hard to know how much savings will be needed to cover healthcare expenses in retirement. The conventional approach of estimating a lifetime total cost for healthcare expenses in retirement and targeting savings to cover that amount clearly does not work for everyone, as most people have difficulty saving for retirement at all. We believe that a different approach to planning for healthcare costs may work better for most employees and retirees.

In collaboration with Vanguard, we have developed a new framework that helps pre-retirees and retirees better understand the financial planning implications of annual health care costs and long-term care expenses. Instead of a “big scary number” for the lifetime total cost, this framework considers healthcare costs (other than for long-term care) as annual expenses personalized to an individual’s health status, coverage choices, retirement age, and presence of any employer subsidies. Additionally, the framework allows pre-retirees to compare their healthcare costs in retirement to their cost while working, with the key point being that retiree healthcare costs can be viewed as the incremental cost over what they currently pay. Once an individual understands their costs, they may need to save at higher rates to account for potential future incremental health care spending. Workers with generous employer health care benefits that may not be offered in retirement and those at higher risk of chronic conditions because of their family history or current health status should target higher replacement ratios. Long-term care costs represent a separate planning challenge given the wide distribution of potential outcomes. Half of individuals will incur no long-term care costs—but there is a small but meaningful risk that costly care will be required for multiple years.

The model we have developed with Vanguard takes a fresh look at existing industry data, complements it with new findings, and builds a forecast that more clearly identifies variations in the estimated annual healthcare costs expected in retirement. We think this flexible, actionable approach to framing healthcare cost can lead to better planning and better outcomes for retirees.

Given how important this issue is to employees, consider helping your pre-retirees better understand how their healthcare costs will change in retirement and actions they can take now to save for those costs appropriately (for example, in a 401(k) plan or health savings account).  A particular concern for many employees is being able to retire before age 65 and becoming eligible for Medicare. A good financial wellness program should stress that access to affordable, comprehensive retiree coverage to bridge from the active plan to Medicare is a critical issue in retirement planning.

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Sick of the Mediterranean Diet? Consider the Nordic Diet




Here’s what to know about the Nordic diet.

You may have noticed there’s a new diet creating a lot of noise in the health and wellness scene.

It’s the Nordic diet, and some nutritionists think it may be one of the healthiest ways to eat.

The diet was constructed when health experts set out to find why, exactly, Northern Europe had lower obesity rates than the United States. The Nordic diet was developed based on the traditional cuisine found in Denmark, Finland, Iceland, Norway, and Sweden.

How does it stack up against the Mediterranean diet?

The Nordic diet is quite similar to the well-known Mediterranean diet. Both include plenty of freshwater fish, root veggies, fruit, and whole grains — such as oats and barley — and limit the consumption of red meat, dairy, sugars, and processed foods.
The main difference is in the oily fats. While the Mediterranean diet suggests olive oil, the Nordic diet opts for rapeseed oil, aka canola oil. Both oils promote a healthy heart by boosting good cholesterol (HDL) and trimming away bad cholesterol (LDL).

“Both are plant-based oils with high amounts of omega-3. Since canola oil has less saturated fat than olive oil, it is considered healthier, however, both have a different recommended use in the kitchen,” Dr. Nancy P. Rahnama, a bariatric physician based in Los Angeles, told Healthline.
>For example, olive oil, which is higher in antioxidants, is more flavorful and is typically used for salads and toppings whereas canola oil can withstand more heat, so can be used when cooking and baking at higher temperatures.

The long list of health benefits

One of the main reasons dietitians have been so fond of the Nordic diet is because of all the research-backed health benefits it’s been linked to.

The World Health Organization (WHO) found that both the Mediterranean and Nordic diets reduce the risk of cancer, type 2 diabetes, and heart disease. Other studies have revealed that the Nordic diet can lower systolic and diastolic blood pressure levels, normalize cholesterol levels, and help people lose weight or maintain a healthy weight.

Additionally, because the diet is quite similar to anti-inflammatory diets — which traditionally consist of fruits, vegetables, lean protein, and healthy fats — it’s been shown to reduce inflammation in fatty tissues and, consequently, obesity-related health risks.

It may even help women who are trying to get pregnant.

“This lifestyle falls in line with the recommendations I give my clients when [they’re] trying to conceive,” Lauren Manaker, a registered dietitian and owner of Nutrition Now Counseling, said. “A diet that is low in processed foods and refined carbohydrates, along with eating mostly plant-based and seafood-based proteins along with high consumption of fruits and vegetables, is correlated with increased chances of pregnancy.”


It’s good for planet Earth, too

Additionally, the Nordic diet is environmentally sustainable, as it focuses on the consumption of fresh, local ingredients. As a result, fewer greenhouse gases are emitted.

“Plant-based diets create less pollution because they use fewer natural resources than meat-heavy diets,” fitness expert Lauren Cadillac, a registered dietitian and certified personal trainer, said. “We can also reduce energy consumption and food waste by eating locally-produced food.”

“A large reason I like this diet is that it takes the focus off of calories and puts it on quality food,” Cadillac added.

A well-balanced, affordable option

While the Mediterranean diet has been more heavily researched, growing interest in the Nordic diet has already found that the diet is just as healthy, if not more.

Not to mention, because the Nordic diet focuses on consuming what’s in season, it doesn’t break the bank. Seasonal produce tends to be a bit cheaper, as it’s more widely available.

So, if you’re looking to do some good for your body, the Nordic diet may be well worth a try. It’s packed with a ton of nutrients, vitamins, and minerals your body needs to survive and thrive.

  1. What causes alcohol addiction? Study investigates


Is a faulty signaling mechanism in the brain area that processes emotion the reason that only a minority of those who drink alcohol become addicted to it?

Researchers in Sweden and the United States suggest that this might be the case after studying alcohol addiction in rats.

They found that the rats that became addicted had an impaired brain mechanism similar to that seen in postmortem brain tissue from humans who were addicted to alcohol.

The faulty mechanism is a failure to clear away a substance known as gamma-Aminobutyric acid (GABA) that inhibits signaling around neurons, or brain cells, in the central amygdala.

The amygdala is a region of the brain concerned with emotion, learning, memory, and motivation.

The scientists report their findings in a paper now published in the journal Science.

Disrupted ‘motivational control’

The authors explain that, of people who are exposed to alcohol, around 10–15 percent “develop alcohol-related problems.”

In their study, they found that a similar proportion (15 percent) of the rats that were exposed to alcohol persisted with alcohol-seeking and became addicted.

The rats continued to dose themselves with alcohol even when a “high-value” option, such as sugared water, was made available to them.

Most of the rats switched over to sugared water when given the option, but the persistent minority continued to dose themselves with alcohol. This was in spite of the fact that pressing the lever to get the substance also delivered a slight electric shock to the paw.

The team observed that the alcohol-seeking animals behaved in a similar way to humans who are addicted to alcohol. The rodents were highly motivated to get alcohol, even though there were negative consequences and another reward option.

“We have to understand,” explains senior study author Markus Heilig, who is a professor in clinical and experimental medicine at Linköping University in Sweden, “that a core feature of addiction is that you know it is going to harm you, potentially even kill you, and nevertheless something has gone wrong with the motivational control and you keep doing it.”

Signaling problem in the amygdala

When the researchers looked inside the rats’ brains, they discovered what might be disrupting the “motivational control.” First, they looked for differences in gene expression in different parts of the brain. The biggest differences were in the amygdala.

They revealed that the gene that codes for a protein called GAT-3 was expressed at much lower levels in the amygdala of the rats that continued to choose alcohol compared with the rats that switched to sugared water.

GAT-3 is a “transporter” protein that helps to clear away GABA from around neurons. Studies have also revealed that rats that become addicted to alcohol seem to have altered GABA signaling.

To confirm that the GAT-3 gene was at fault, the scientists ran another experiment in which they silenced GAT-3 in the rats that had switched over to sugared water in preference to alcohol.

The effect was striking: the GAT-3 silenced rats began to behave similarly to their alcohol-seeking counterparts. When they were again given a choice between dosing themselves with alcohol or sugared water, they chose alcohol.

Human alcoholism has same brain feature

Finally, in collaboration with a team from the University of Texas at Austin, the researchers analyzed GAT-3 levels in human postmortem brain tissue. They found that GAT-3 levels were lower in tissue taken from individuals with “documented alcohol addiction.”

The scientists believe that the findings will lead to improved treatments for alcohol dependence.

An investigation into the potential of using the muscular tension drug baclofen to treat alcohol dependence has shown some promising results but has not been able to explain what the mechanism of action might be.

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Small Business Spotlight – Mexxi’s Restaurant and Catering



Mexxi’s Restaurant and Catering is a vibrant staple in San Ramon. The owner, Enrique Gomez, has been serving up fresh and authentic Mexican food in the same location for 22 years. Enrique was practically born into the restaurant business, his family owns a couple of restaurants on the Peninsula and he loved it so much that went to culinary school. He wanted to open a restaurant of his own, keeping it a family affair, and opened up Mexxi’s with his cousin 22 years ago. Now he and his brother own and operate the restaurant and catering company.

Serving up the authentic, fresh Mexican food is something that makes Mexxi’s unique. Enrique sources a lot of his ingredients locally, providing fresh ingredients to make his food full of flavor. Everything they prepare is made from scratch because they truly care about the food they serve. Enrique enjoys creating dishes that aren’t common in Mexican restaurants like the Filete de Pescado a la Veracruzana, a seafood dish that was created with Lent in mind. Almost every item on the menu has a cult following, some of the most popular items are the fish tacos, grilled chicken burritos and the tamales.

Being a part of the community is very important to Enrique; he knows many of his diners. It’s a family operation  and you always feel like family when you dine at Mexxi’s. You can also bring Mexxi’s home or to work with you because they specialize in catering large corporate and private events.

Enrique brought his business accounts to Fremont Bank about nine years ago. The branch manager was a patron of the restaurant and one day he asked Enrique who he banks with. Enrique decided to not only shop locally, but bank locally too. He said “the service we get from the bank, it’s awesome, it’s like having a personal banker. After I switched, it was like why didn’t I do this before?” It’s a decision he hasn’t regretted.

What’s next for Mexxi’s? Another location in a nearby city to bring their signature authentic, fresh Mexican food to more people, which sounds like a delicious idea to us.

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