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Mar 30

SmartMoney Podcast: Saving, Budgeting and Travel – Business – The Ledger

Welcome to NerdWallet's SmartMoney podcast, where we answer your real-world money questions " in 15 minutes or less. In this week's episode, we're talking about some of the financial issues

Welcome to NerdWallet's SmartMoney podcast, where we answer your real-world money questions " in 15 minutes or less.

Check out this episode on any of these platforms:

In this week's episode, we're talking about some of the financial issues surrounding the pandemic, including what people need to know about emergency savings, budgeting and travel in the months ahead.

The value of emergency funds and the 50/30/20 budget have never been more apparent as unemployment skyrockets. If you still have a job, consider boosting your savings to help you cope with the tough economy ahead.

The 50/30/20 budget recommends limiting your essential, 'must have' expenses " shelter, utilities, food, transportation, insurance and minimum loan payments " to 50% of your after-tax pay. Wants should comprise 30% and you can devote 20% to debt repayment and savings. If your income drops or stops, you can reduce the wants category quickly to help make ends meet.

Prioritize paying those essential expenses and contact your lenders to ask about hardship programs if you're having trouble paying your bills. NerdWallet's COVID-19 guide can point you to resources that may help.

If you're still able to pay your debts and have good credit, you may be able to benefit from one of the pandemic's side effects: lower interest rates. Consider 0% balance transfer offers from credit cards or a low-rate personal loan as options to help you pay less interest and get your debt paid off faster.

Travel will remain unpredictable for a while with events and flights continuing to be canceled. If you must book travel, wait as long as possible and use a credit card that includes travel protections, such as trip insurance. If you must cancel a trip, first try to do so online. If that doesn't work, wait until about 72 hours before the flight to call the airline and be prepared to wait on hold for an hour or more. Airlines are overwhelmed right now and are prioritizing customers whose flights leave in the next three days.

If you are struggling, contact your lenders and credit card issuers. Financial companies are offering more hardship options and you may be able to skip or reduce payments without hurting your credit.

Consider a balance transfer card or a personal loan if you can pay your debt but want to take advantage of lower rates.

Wait as long as possible to book future travel. Use a credit card that offers travel protections and consider getting travel insurance.

Have a money question? Text or call us at 901-730-6373. Or you can email us at podcast@nerdwallet.com. To hear previous episodes, return to the podcast homepage.

Sean Pyles: Welcome to the NerdWallet Smart Money Podcast, where we answer your money questions in 15 minutes or less. I'm your host, Sean Pyles.

Liz Weston: And I'm your other host, Liz Weston. As always, be sure to send us your money questions. Call or text us at (901) 730-6373. That's (901) 730-NERD. Or email us at podcast@nerdwallet.com.

Sean: In this special coronavirus episode of the SmartMoney Podcast, we're talking about some of the financial issues surrounding the pandemic. Specifically, we've asked our fellow Nerds Kim Palmer and Sara Rathner to talk about what we should know about savings, budgeting and travel in the coming months.

Liz: Let's start with Kim. So, Kim, what are some of the important things people need to know right now?

Kim Palmer: A lot of the questions we've been getting are around budgeting during these times, how to prepare for emergencies, how to handle the current emergency that you're in. One of the huge pieces of advice we always emphasize is that this really underscores the importance of having an emergency fund. We talk a lot about this with our content and we have a really helpful tool, the emergency fund calculator. It helps you come up with the number for how much you should have in your emergency fund. We also talk about the importance of having or of applying the 50/30/20 budget. It's something that comes up a lot. That means 50% of your [after tax] pay is going toward needs, things like your mortgage or your rent, groceries; 30% toward wants, which is things like restaurant spending, which a lot of us aren't doing right now anyway; 20% toward debt payments and savings.

And it's that 30% for wants where we have the ability to cut back quickly if we need to. Right now a lot of that cutting back is happening because we just don't even have the choice, so some expenses are going down naturally, [such as] commuting expenses, for some people, and restaurant spending. Those are areas that we can cut back on now if needed. Of course, other expenses are possibly going up right now, so people are spending more on things like at-home activities that keep kids occupied, online exercise programs, that kind of thing.

Sean: I know right now a lot of people are going to have a hard time paying all of their bills no matter how well they're budgeting. I'm wondering, Kim, how do you think people should prioritize all of their expenses when they can't cover everything?

Kim: In terms of prioritizing different expenses in an emergency, we do really recommend that people still try to pay their most important things like mortgage or rent. Of course, prioritizing groceries. If you have to prioritize things and you just can't make a certain payment or you can't pay your credit card bill, the first call can definitely be to that company. Some companies have already announced leniency programs. Some are waiving things like late fees. So definitely calling them first can help in case it's something that can't happen this month. In terms of withstanding financial shocks and just building up your own financial security, having that emergency savings and making sure it's in a high-yield online savings account.

We talk about this so much at NerdWallet, and of course we have a really helpful list of the best or the highest high-yield online savings accounts. Even in an environment like this when rates are lower, maybe even going lower, the best or the highest rates are still found online. And it's also a good time as we are at home more now just to take some time to review what safeguards you have put in place for yourself, things like insurance programs, just taking a minute to review health insurance, disability insurance, life insurance. Homeowners and renters insurance is actually coming up a lot right now because more of us are working at home. We may have actually spent more and brought more expensive equipment into our homes right now. You really want to make sure that it is protected, so it might be a good time to review your current policy and see if you need to make any updates. We have many, many more resources, of course, with more details on everything on our website. Our really handy resource guide, which is now linked on the homepage, is definitely a great resource.

Sean: Hey Sara, what should people who are having trouble paying their credit cards and other bills right now know?

Sara Rathner: You do not need to struggle alone. Credit card companies and banks have always had consumer assistance programs available, and they're especially important now. So one of the first things you can do is just call the phone number on the back of your credit card and talk to somebody and explain your situation and see what's available. Lots of banks and credit card issuers are advertising their programs now. If you're on their email list, you've probably heard of them. Point being, use the resources that are available. So if you have credit card debt, if it is a priority for you to free up cash flow, then paying off any credit card that you have is a great way to do that. And one option that you have are balance transfer credit cards. They allow you to move a credit card debt off of a card that has a high interest rate and onto a card that charges 0% interest often for a year or more.

But keep in mind that these often require good to excellent credit to qualify for and many cards charge a 3% to 5% fee of the transferred balance. So that's something that you want to budget for. And remember that if you have any debt remaining on your card, once this promotional period is over, you will begin to owe interest on that remaining debt. So you'll want to time your payments accordingly. Another option for debt repayment are personal loans, and this allows you to consolidate multiple debts into one payment that often has a lower interest rate than your credit cards would charge you. So not only could this be a way to save on interest payments, but it could also be a way to streamline your debt payments. You only have one monthly payment instead of several.

So whether or not these are good deals for you depends on what you would qualify for. You want to make sure that if you are shopping around for a personal loan, you want to look for one with an interest rate lower than what you're paying on your credit cards. Also look at the length of time you have to repay the loan as well because that can influence your monthly payment total.

Finally, there are different debt repayment methods if you don't want to take out any sort of loan or do a balance transfer. One that I talk about often is the debt avalanche method. What you do in this situation is you'll list your debts from highest interest rate to lowest interest rate, not just credit cards, but any other debt payments you have like an auto loan or a mortgage, and you make minimum payments on every single debt that you have, so you remain in good standing with your creditors. And from there, any additional cash that you have in your budget to aggressively pay down a debt, it's applied to the debt with the highest interest rate. Once you pay that off completely, move that extra cash flow to the debt with the second highest interest rate and so on until you are out of debt. That's one of several debt repayment methods that we've talked about on NerdWallet. It's always better to do something than nothing, rather than freak out over what the most optimal debt repayment choice is. So if you find yourself struggling to make a choice, it's better to choose something. So keep that in mind.

Liz: Let's switch to my favorite topic, which is travel. With all the uncertainty, what should people do about any travel reservations they have or they may want to make?

Sara: If you already have travel booked for the near future, keep in mind that you might not have to do anything. The airline might cancel your flight anyway. And if they do, they will notify you. They will work with you to either rebook you on a different flight or refund the unused value of your ticket. But if your flight is still on but you need to cancel or reschedule, just keep in mind that airlines are waiving fees but their policies vary from airline to airline and they can even change from day to day. So if you need to rebook, try doing it online to save time. But if that isn't working for you, then wait until about 72 hours before your flight. Airlines are asking passengers to do this because they have such high call volume right now. And give yourself an hour or two to wait on hold because this is going to be a long process.

If you need to book travel, wait as long as you possibly can because everything is changing so quickly and the event that you need to travel for might get canceled anyway. So you wouldn't have to book that travel at all. But if you must book, the first thing you should do is use a credit card that offers travel protections. And if you have a card in your wallet that does this, you have to actually use the card to make the booking to get protected. You can't just be a cardholder but use a different card to pay for the flight. That doesn't work. For very expensive trips like international travel, those once-in-a-lifetime vacations, you're talking a couple thousand dollars to even a five-figure sum of money you're spending on a trip, consider travel insurance.

And 'cancel for any reason' coverage exists. It is an expensive add-on to an existing policy, but like I said, if you're spending $10,000 or $15,000 it might be worth it to pay that extra amount of money. Keep in mind that when it comes to insurance and credit card travel protections, they cover what has happened, not what might happen, and being afraid to travel is not a covered reason.

Sean: Thanks for all this helpful information, Sara and Kim. Now, let's get to our takeaway tips. First, if you are struggling, contact your lenders and credit card issuers. Financial companies are offering more hardship options to people who are having trouble paying their bills right now.

Liz: If you can pay your debt but want to take advantage of lower rates, consider a balance transfer card or a personal loan.

Sean: Lastly, wait as long as possible to book future travel. Use a credit card that offers travel protections and consider getting travel insurance. And that is all we have for this episode.

Do you have a money question of your own? Turn to the Nerds and call us or text us your questions at (901) 730-6373. That's (901) 730-NERD. You can also email them to podcast@nerdwallet.com. You can even email us your voice memos if that works for you. Also, visit nerdwallet.com/podcast for more info on this episode and remember to subscribe, rate and review us wherever you're getting this podcast.

Liz: And here's our brief disclaimer, thoughtfully crafted by NerdWallet's legal team. Your questions are answered by knowledgeable and talented finance writers, but we are not financial or investment advisors. This Nerdy info is provided for general education and entertainment purposes and may not apply to your specific circumstances.

Sean: And with that said, until next time, turn to the Nerds.

More From NerdWallet

Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston.

Sean Pyles is a writer at NerdWallet. Email: spyles@nerdwallet.com. Twitter: @SeanPyles.

The article SmartMoney Podcast: Saving, Budgeting and Travel originally appeared on NerdWallet.

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SmartMoney Podcast: Saving, Budgeting and Travel - Business - The Ledger

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Mar 30

How will the remote 2020 NFL Draft look? Here are some guesses – NBC Sports – Misc.

Its a bit fruitless these days to try to predict whats going to happenwith offseason programs, with the release of the schedule, with training camps, with preseason games, with the regular season. The NFL, like all of society, is at the whim of a virus.

With Roger Goodell confirming that the draft would stay on the scheduled dates of April 23-25, thats one mystery solved. But the form it will takethe where and the how, especiallyis in a nascent state. What we do know is most people normally together for the draft will be separated. It has created one interesting perspective. If youve done Zoom video conferencing, or youve watched recent nightly newscasts, maybe youve seen eight or 10 people on the laptop screen or the TV all ready to be called on by a host. Imagine the same thing on draft night. The NFL will send out about 50 portable camera kits with microphones to top prospects and college coaches, with better-than-FaceTime quality, so NFL draft coverage will be able to bring in, say, LSU quarterback Joe Burrow from the family home outside Athens, Ohio, when/if hes the first pick of the Bengals. Then Burrow will be able to do his media availability with the Cincinnati press, and whatever other one-on-ones he chooses to do.

Not perfect, but necessarily different.

The draft itself will be different. The first two or three rounds shouldnt be upset all that much because of the scouting changes; the top 100 players were poked and prodded normally for seven months of the college preseason, regular season, bowl season and combine season before everything shut down. But its the later rounds, as NFL Networks Daniel Jeremiah said in this space last week, that could see teams trying to hit the safe singles instead of the risky triples.

What teams will succeed? said former Patriots and Chiefs executive Scott Pioli, now a CBS Sports analyst. Teams that are focused and worked long and hard at the Senior Bowl and the all-star games and the scouting combine. Teams that know how to scout. Teams that have a strong system in place.

When I pointed out how that might be a disadvantage to new coaches like Carolinas Matt Rhule, fresh out of Baylor to the NFL, Pioli disagreed. Not necessarily. He has a network of people he can call on in the Big 12 that not many teams will have, and hell have a lot of contacts back East from Temple. [Rhule is the former Temple head coach.] That could be a big advantage on some players for Carolina. In general, the good franchises rely on scouts for success in rounds five, six and seven.

I thought it interesting that Pioli brought up the drafting of Tom Brady in 2000 in the sixth round. In that year, the Patriots scouted Brady during the season with an area scout, then at the East-West Game in California with other scouts, then at the combine. Then the late Dick Rehbein, then New Englands quarterback coach, did a private workout with Brady in Michigan. Then New England drafted him 199th overall. Piolis point: All of that scouting would have been the same in 2020 except for the private workout. That workout was a big deal, of course. But the Patriots had a lot of knowledge on Brady before that workout, and could well have taken him during the draft had they not been able to go to Ann Arbor for the private session.

Too many people are complaining about what isnt possible in the draft process this year, Pioli said. The rules are the same for everybody.

One other interesting thing I picked up: At least one team is quietly using GPS data from college teams to estimate the 40 times and other movement measurables from players who didnt work at the combine. Thats a smart way to get an edge.

Beyond the draft: I cant imagine offseason programs existing in any sort of together way. More likely, teams could have classroom settingfor playbook learning, but conditioning and training likely will have to be lonely pursuits through the spring.

As Cardinals owner Michael Bidwill said Sunday: Our IT people have been our MVPs, setting up our coaches and scouts to work remotely. They could do the same with playersand likely itd be easier to set up with the more digitally fluent younger generation.

I asked Atlanta owner Arthur Blank, a forward-thinking techie in his own right, how he saw the near future.

I think the NFLs going to be fine, he said. I dont mean it wont be changed. It is being changed now. How itll impact things like training camp, sooner than that, the OTAs . . . Training camps will probably be affected in some way. And of course, your point about the stadiums, with 50,000 to 70,000 people, whatever it may be. I think its just too early to tell. Of course we have to be able to provide a safe environment for fans. Thats the most critical thing.

On whether he believes there will be a 16-game regular season, Blank said: If I had to speculate now, and I use the word speculate because thats really all it is, I would say yes. Only because its so far away from where we are today. I could easily see camps being shorter, players being tested on a daily basis, things of that nature. No fan attendance. Things like that. We may have fewer preseason games, which probably wouldnt be the end of the world. But I think by September, my hope is by the time the regular season starts, that well be able to bring people together in some form or fashion in a safe manner and play.

I do think we need football now. Its hard to turn on any device you have today, almost any site, television, PCs, laptops, phoneswithout the first thing popping up being something on the virus. And thats appropriate. However, I also think that people want a diversion. People want to be optimistic. People want to think about things that are really good times for themselves and their families and their loved ones and their communities. I think to have that kind of hope and aspiration mixed into your daily life is important.

Blank was in Hilton Head with family when we spoke on Saturday afternoon. Even though he hasnt been in a coronavirus hotspot, he voiced what Ive heard mental-health experts say. Its strange to write about this in a football column, but these, of course, are strange times.

I usually walk and exercise a lot under any circumstances, Blank said. But now I know its important to exercise the body and calm the mind. I told our associates the other day youve got to find ways to calm your mind. Whether it be thinking, meditation, reading, prayer, slower breathing, whatever it may be, do something. Because its easy under these conditions to have your mind racing all over the place. Its important to be able to keep your body moving, keep it functioning, keep it active and yet have a calm mind at the same time.

Read more from Peter Kings Football Morning in America column here.

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How will the remote 2020 NFL Draft look? Here are some guesses - NBC Sports - Misc.

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Mar 30

No. 202.13: Continuing Temporary Suspension and Modification of Laws Relating to the Disaster Emergency – ny.gov

No. 202.13

E X E C U T I V E O R D E R

Continuing Temporary Suspension and Modification of Laws

Relating to the Disaster Emergency

WHEREAS, on March 7, 2020, I issued Executive Order Number 202, declaring a State disaster emergency for the entire State of New York; and

WHEREAS, both travel-related cases and community contact transmission of COVID-19 have been documented in New York State and are expected to be continue;

NOW, THEREFORE, I, Andrew M. Cuomo, Governor of the State of New York, by virtue of the authority vested in me by Section 29-a of Article 2-B of the Executive Law to temporarily suspend or modify any statute, local law, ordinance, order, rule, or regulation, or parts thereof, of any agency during a State disaster emergency, if compliance with such statute, local law, ordinance, order, rule, or regulation would prevent, hinder, or delay action necessary to cope with the disaster emergency or if necessary to assist or aid in coping with such disaster, I hereby temporarily suspend or modify, for the period from the date of this Executive Order through April 28, 2020 the following:

IN ADDITION, by virtue of the authority vested in me by Section 29-a of Article 2-B of the Executive Law to issue any directive during a disaster emergency necessary to cope with the disaster, I hereby issue the following directives for the period from the date of this Executive Order through April 28, 2020:

G I V E N under my hand and the Privy Seal of the State in the City of Albany this twenty-ninth day of March in the year two thousand twenty.

BY THE GOVERNOR

Secretary to the Governor

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No. 202.13: Continuing Temporary Suspension and Modification of Laws Relating to the Disaster Emergency - ny.gov

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Mar 30

Kai Wachi Gives Us the Lowdown on "Cry" and His New Workout Plan – EDM Identity

If you appreciate heavy bass served up with a side of phenomenal sound design, then Kai Wachi is the guy for you. This Boise based producer has masterfully created some of the heaviest tunes in bass music to date. Its impossible to listen to a track of his and not feel the need to get up and get hyped.

One of the early members of the Kannibalenfamily, Kai Wachi has perfected his craft and his production techniques throughout the years. The result being head-splitting dubstep that has gotten him slots atLost Lands, EDC Las Vegas,Paradiso and many more. To add to his long list of successes is his recent DEMIGOD headline tour, which had numerous dates sold out across the country.

With his first release of this year, he shows listeners a more emotional side with his new single Run. The track features lush vocals fromDylan Matthewand beautiful chord progressions from Kai Wachi along with his signature heavy bass sound mixed in. While 2019 was a huge year, we are glued to our seats to see how 2020 plays out for him!

Take a listen to Run on Spotify below, download or stream it on your favorite platform, and read on for our chat with Kai Wachi!

I started writing chords on my keyboard and initially liked the idea of the intro and built it off of that. The drop I had the idea of being able to make it emotional without it being a future bass kind of track. It worked out well and once I linked up with Dylan, he really took the songwriting next level.

Oh yeah. I honestly resonate with my music more right now when I make songs like this. I get super proud of them. Ill have more, but I really want to take my time with them to get them perfect.

I just spit a lot of those tracks out, I honestly dont know how I did it. But I was in the rat race of 2019 in the bass scene when I was making those tracks. In my opinion, I come out with watered-down versions of my own music when I work that fast. The tracks are still cool, but they were more for going hard live.

It felt really good and relieving because your first tour is really the ultimate test of how well youre actually doing and if you took the step at the right time. So grateful for everyone who came out!!

We are more focused on creating better music and using the time to dial in the areas that we feel need more attention. Specifically for me the music!

I think other DJs doing live streams and one on one lessons is great! For me, I dont own CDJs, and I felt what better way to personally give back than to offer a workout plan since thats right up my alley and will keep people healthy during a tough time.

Comparison. Comparison of my numbers and music to others. Which in 2019 drove me to the worst mental state of my career Ive ever experienced. I overcame it by approaching music with no boundaries again as I used to when I was younger.

Dont make tracks for other DJs to play. Its a trap. Make weird sh*t. Make it your own. F*ck formulas. Thats how you make a name.

This year will be my best year of Kai Wachi music. I can feel it.

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Mar 30

USA Gymnastics announces 2020 First- and Second-Team All-Americans, Coaches of the Year for USA Gymnastics Women’s Collegiate Nationals – usagym.org

INDIANAPOLIS, March 30, 2020 Following an abbreviated 2020 womens collegiate gymnastics season, which was cut short due to concerns over the spread of coronavirus, USA Gymnastics today announced First- and Second-Team All-American selections.

These individuals represent the 12 DI, DII and DIII colleges and universities whose womens gymnastics programs operate with fewer than seven-and-a-half full scholarships. These include Brown University, Centenary College, Cornell University, Lindenwood University, Seattle Pacific University, Southeast Missouri State University, Southern Connecticut State University, Texas Womans University, the United States Air Force Academy, the University of Bridgeport, West Chester University and Yale University.

While All-American selections are typically based on results from the USA Gymnastics Womens Collegiate National Championships, given the truncated conclusion to the 2020 season, this years honorees were determined based on cumulative performance results through week ten of the regular season. The top-ten finishers in each event and the top-eight all-around gymnasts were named First-Team All-Americans. The next finisher(s) in each event and next two all-around athletes were selected to the Second Team.

2020 USA Gymnastics Womens Collegiate Nationals All-Americans

First-Team All-American

VaultCami Bea Austin, Centenary CollegeDarian Burns, Seattle Pacific UniversityAlyssa Firth, Yale UniversityGayla Griswold, Lindenwood UniversityKiah Johnson, West Chester UniversityAleah Leman, Lindenwood UniversityBria Northrop, Texas Womans UniversityJulianna Roland, University of BridgeportAnna Salamone, United States Air Force AcademyDaisy Woodring, Texas Womans University

Uneven barsKatie Bailey, Lindenwood UniversityJacey Baldovino, Yale UniversityDarian Burns, Seattle Pacific UniversityMei Li Costa, Brown UniversityRegan Dillon, University of BridgeportKathryn Doran, University of BridgeportCourtney Mitchell, Lindenwood UniversityBria Northrop, Texas Womans UniversityAnna Salamone, United States Air Force AcademyDahlia Solorzano-Caruso, Southeast Missouri State UniversityMelanie Wojewoda, West Chester University

Balance beamKatie Bailey, Lindenwood UniversityJacey Baldovino, Yale UniversitySarah Boyd, West Chester UniversityBriona Carswell, United States Air Force AcademyLindsay Chia, Yale UniversityEmma Firmstone, Yale UniversityRyan Henry, Lindenwood UniversityAnna Kaziska, Southeast Missouri State UniversityCourtney Mitchell, Lindenwood UniversityMaya Reimers, University of BridgeportJulianna Roland, University of Bridgeport

Floor exerciseCami Bea Austin, Centenary CollegeDarian Burns, Seattle Pacific UniversityAlyssa Firth, Yale UniversityIsabel Goyco, Texas Womans UniversityGayla Griswold, Lindenwood UniversityAnna Kaziska, Southeast Missouri State UniversityJessica Meakim, West Chester UniversityBria Northrop, Texas Womans University Maya Reimers, University of BridgeportJulianna Roland, University of Bridgeport

VaultGabrielle Kistner, University of BridgeportHeidi Sand, United States Air Force AcademyAimee Titche, Yale University

Uneven barsHayley Bangart, University of Bridgeport

Balance beamMiyuki Matsune, Seattle Pacific University

Floor exerciseNatalie Meyer, United States Air Force Academy

The Mari-Rae Soper Award was presented to the Southern Connecticut State University team to recognize their tremendous and inspiring perseverance. Following the passing of teammate Melanie Coleman, who suffered a fatal fall during practice, and a mid-season coaching change, SCSU gymnasts demonstrated unrivaled passion, dedication and devotion to the sport in the face of tragedy and heartbreak.

In appreciation of this years senior athletes who saw their final season cut short, USA Gymnastics named the inaugural USA Gymnastics Womens Collegiate Nationals Senior All-Star Team comprised of the top-ten seniors on each event. A list of all competing senior athletes those who have exhausted their eligibility or will be graduating is available here.

USA Gymnastics Womens Collegiate National Senior All-Star TeamCami Bea Austin, Centenary CollegeKatie Bailey, Lindenwood UniversitySarah Boyd, West Chester UniversitySienna Brane, Seattle Pacific UniversityJade Buford, Yale UniversityDarian Burns, Seattle Pacific UniversityRebecca Chong, Yale UniversityEmma Firmstone, Yale UniversityRyan Henry, Lindenwood UniversitySamantha Henry, Cornell UniversityErin Howell, Brown UniversityJacqueline Kutcher, Southern Connecticut State UniversityMiyuki Matsune, Seattle Pacific UniversityDorothy Mims, Centenary CollegeBria Northrop, Texas Womans UniversityEvelyn Patient, Cornell UniversityMaci Prescott, Cornell UniversityMaya Reimers, University of BridgeportAnna Salamone, United States Air Force AcademyMackenzie Slee, Southeast Missouri State UniversityHunter Vincent, Texas Womans UniversityLena Wirth, Seattle Pacific University

USA Gymnastics also announced this years Scholar Athletes. These are gymnasts in their second, third or fourth years of eligibility who possess a cumulative grade point average of 3.3 or a cumulative grade point average of 3.3 in the previous two semesters or three quarters on a 4.0 scale.

Based in Indianapolis, USA Gymnastics is the national governing body for gymnastics in the United States, encompassing seven disciplines: womens gymnastics, mens gymnastics, trampoline and tumbling, rhythmic gymnastics, acrobatic gymnastics, gymnastics for all (a.k.a. group gymnastics) and, most recently, parkour. USA Gymnastics sets the rules and policies that govern the sport of gymnastics, including selecting and training the U.S. Gymnastics Teams for the Olympics and World Championships; promoting and developing gymnastics on the grassroots and national levels, as well as a safe, empowered and positive training environment; and serving as a resource and educational center for the more than 200,000 members, clubs, fans and gymnasts throughout the United States. The organization is deeply committed to creating a culture that encourages and supports its athletes and focuses on its highest priority: the safety and well-being of athletes and our community.

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USA Gymnastics announces 2020 First- and Second-Team All-Americans, Coaches of the Year for USA Gymnastics Women's Collegiate Nationals - usagym.org

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Mar 30

Global Testosterone Booster Market Growth Projections and Forecast to 2026 | Testofuel, GNC, TestoTEK, Prime Male, TEK Naturals – Skyline Gazette

Global Testosterone Booster Market report (2020-2026) studies the current market status with future trends that can affect the market growth rate and covers the major growth prospect over the forthcoming years. The Testosterone Booster market report objectives are to provide in-depth information about Testosterone Booster industry with market outlook, key trends, business plans, future prospect of the industry. It comprehends market new product analysis, financial overview, strategies and marketing trends. Testosterone Booster market report also offers an overview of revenue, sales, product demand, and supply of data, cost, and growth analysis during the forecast year. A portion of the Leading key organizations Covered for this Research isTestofuel, GNC, TestoTEK, Prime Male, TEK Naturals, TestoGen, Prime Male, Nugenix, Monster T, TestoRush.

Request for Free Sample Report @https://www.indexmarketsresearch.com/report/global-and-china-testosterone-booster-market/311934/#requestforsample

The research report study the market size, share, key drivers for growth, major segments, and CAGR. The Testosterone Booster market report study deep analysis about market status (2015-2020), enterprise competition pattern, advantages and disadvantages of enterprise Products, industry development trends (2020-2026), regional industrial layout characteristics and macroeconomic policies, industrial policy has also be included. Development policies and plans are discussed as well as manufacturing processes and cost structures are also analyzed. This report also states import/export consumption, supply and demand Figures, cost, price, revenue, and gross margins. For each manufacturer covered, this report analyzes their Testosterone Booster manufacturing sites, capacity, production, ex-factory price, and revenue and market share in the global market. This helps in the efficient planning and execution of supply chain management as it drastically affects the overall operations of any business. Thus, a market research report can be called a comprehensive guide that helps in better marketing and management of businesses.

Global Testosterone Booster Market report provides the latest forecast market data, industry trends, and technological innovations. The in-depth view of Global Testosterone Booster Market industry on the basis of market size, market growth, opportunities, and development plans offered by the report analysis. The forecast information, SWOT analysis, and feasibility study are the energetic aspects studied in this report. Along with that PESTEL analysis is also considered to be another major aspect of the market study. Another important aspect of every market research report is the study of the key players or manufacturers driving the market forward. This study can benefit investors and business owners in many ways. In order to make business predictions and fetch good results, business models, strategies, growth, innovations and every information about manufacturers that can help are studied by it.

By regions, this report splits the global market into several key regions, with sales, revenue, price and gross margin market share of top players in these regions, from 2020 to 2026 (forecast), likeAmericas(United States, Canada, Mexico, Brazil)APAC(China, Japan, Korea, Southeast Asia, India, Australia),Europe(Germany, France, UK, Italy, Russia, Spain),Middle East & Africa(Egypt, South Africa, Israel, Turkey,GCC Countries)

Global Testosterone Booster Market, By Typeby Component, D Aspartic Acid, Vitamin D3, Other, by Source, Mucuna Pruriens, Ginseng, Oyster Extract, Fenugreek, Stinging Nettle

Global Testosterone Booster Market, By ApplicationsTeenagers, Adults

Key highlights of the global Testosterone Booster market for the forecast years 2020-2026:* CAGR of the market during the forecast period 2020-2025* Detailed information on factors that will accelerate the growth of the Testosterone Booster market during the next five years* Precise estimation of the global Testosterone Booster market size and its contribution to the parent market* Accurate predictions on upcoming trends and changes in consumer behavior* The growth of the Testosterone Booster industry across the Americas, APAC, and EMEA* A thorough analysis of the markets competitive landscape and detailed information on several vendors* Comprehensive details on factors that will challenge the growth of Testosterone Booster providers

From the Testosterone Booster market research reports, the following points are available with detailed study at every point:Production Analysis Initiation of this Testosterone Booster is analyzed based on top countries, types, and applications. Here, the report is expected to extensively focus on the price analysis of varied Testosterone Booster market key players.

Profit and Sales Evaluation Both earnings and sales are verified for various components of this international Testosterone Booster market. The reports focus on the price that plays a vital role in sales development for several regions.

Segments and Advantages In continuation of using earnings, this report studies the design and ingestion of its Testosterone Booster market. This report also highlights the difference between usage and supply, export, and import data.

Competition In this section, many global Testosterone Booster industry-top players have been studied based on their company profile, product portfolio, ability, price, cost, and revenue.

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The report evaluates the growth rate and the Market value based on Market dynamics, growth inducing factors. Complete knowledge is based on the latest industry news, opportunities, and trends. The report contains a comprehensive Market analysis and vendor landscape in addition to a SWOT analysis of the key vendors.

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In conclusion, The key market segments along with its subtypes are provided in the report. This report especially focuses on the dynamic view of the market, which can help to manage the outline of the industries. Several analysis tools and standard procedures help to demonstrate the role of different domains in the market. The study estimates the factors that are boosting the development of Testosterone Booster companies.

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Global Testosterone Booster Market Growth Projections and Forecast to 2026 | Testofuel, GNC, TestoTEK, Prime Male, TEK Naturals - Skyline Gazette

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Mar 30

What The Hell Is Period Beauty And Why Is It So 2020? – Sporteluxe

Feminine care is much less taboo than it was just a short time ago, as our world is embracing the natural and beautiful thing that is the menstrual cycle. Many brands like Cora and Raelare taking back what it means to be a woman. Even skincare is taking note, as period beauty has recently come into the spotlight, with cosmetics brands formulating products to address hormonal changes and skin conditions that occur during that time of the month.Why is vagina is such a dirty word? Companies and women are trying to change that to make it the new norm.

This new movement is empowering women, their hormones, and the products that are purposely (and rightfully so) glamourizing the period. Read all about why you should be changing your skincare during this time and comb through some of our favorite products below!

According to Skin Inc., its no surprise that during the hormonal fluctuations of a womans cycle, the skin experiences some changes. The concept behind period beauty comes with the idea that skin is continuing to change throughout a womans 28-day cycle, so her skincare should change as well. A womens skin changes before, during and after their period can be different from the next. While some women experience a rise in acne, others may only find that their skin tends to be on the oilier side during their period. This trend comes off an even bigger trend of cyclical living, where women are encouraged to embrace their hormonal fluctuations during their cycle and switch up how they live their life based on it.

While no studies have been done on this matter, dermatologist Anjoli Mahto, M.D., did explain that there is a science to back this up. She stated that the second half of your cycle, you do tend to be quite a progesterone and testosterone-heavy, and thats why a lot of people find their skin can get a bit oilier after ovulation and more spot-prone in the run-up to their period.

Brands like Rael have even made entire guides to period beauty, targeting the days before you even begin your menstrual cycle. According to Rael, At least a week before your cycle begins, your estrogen levels begin to decrease while your progesterone and testosterone levels increase. This causes increased oil production and clogged pores, making them appear larger. Hormonal acne will typically occur on your chin and jawline, though breakouts can occur anywhere on your face. Along with your skin being the most sensitive, low levels of estrogen can leave your skin looking blotchy so that by day five your skin becomes dull, dry, and flaky.

You can read more about exactly what to do before, during, and after your period here.

Raels Tips for Treatment

Image: Get Rael

This will give you that Week 2 skin. It is an everyday dream. Raels Complete Care Kit is your skincare dream team, keeping your skin clean, balanced, and moisturized to show off a perpetual Week 2 Glow. Shop here.

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Designed to be the most comfortable andsimple-to-use cup, the Cora Cup is made of premium, medical-grade silicone and is free of BPA and other toxic chemicals. Shop here.

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Thanks to higher levels of testosterone, 7-14 days prior to Aunt Flo, our skin gets oily and our pores are clogged. Let this mask do its magic by hydrating and soothing your skin all while 4 organic aroma oils help you relax and stay calm through this crisis. Apply a drop of the lightweight soothing Skin Meditation Gel Cream to your face morning and night or midday to keep your temperamental skin under control. Shop here.

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Is she ready for her first period? Are you? This set comes with 10padswith wings (5 regular, 5 heavy), 12 ultra-thinliners,10 compact plastic applicators, and more. Shop here.

While youre here, check out what to eat (and do) to stop fluid retention in the body.

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What The Hell Is Period Beauty And Why Is It So 2020? - Sporteluxe

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Mar 30

Does Turmeric Have Weight Loss Benefits? – Healthline

Turmeric, also known as the golden spice, is popular in Asian cuisine and has been a part of traditional Indian medicine or Ayurveda for thousands of years.

Most of turmerics health properties can be attributed to curcumin, a compound that has strong antioxidant and anti-inflammatory properties (1).

Recent studies indicate that turmeric may play a role in weight loss (2).

However, you may wonder whether its effective and how much you would have to take to see results.

This article explains whether turmeric aids weight loss.

Recent research has examined turmerics role in weight loss.

In fact, test-tube studies suggest that curcumin may suppress particular inflammatory markers that play a role in obesity. These markers are typically elevated in people with excess weight or obesity (3).

Animal studies indicate that this compound may promote weight loss, reduce fat tissue growth, curb weight regain, and enhance your sensitivity to the hormone insulin (3, 4, 5, 6).

Whats more, a 30-day study in 44 people who were previously unable to lose weight found that supplementing twice a day with 800 mg of curcumin and 8 mg of piperine led to significant reductions in body weight, body mass index (BMI), and waist and hip circumference (7).

Piperine is a compound in black pepper that may boost curcumin absorption by up to 2,000% (8).

Furthermore, a review of 21 studies in over 1,600 people linked curcumin intake to reduced weight, BMI, and waist circumference. It also noted increased levels of adiponectin, a hormone that helps regulate your metabolism (2, 9).

While current research is promising, more human studies are needed before turmeric can be recommended for weight loss.

Turmerics antioxidant and anti-inflammatory capacity mostly related to its compound curcumin may play a role in weight loss. All the same, further human research is necessary.

In general, turmeric and curcumin are considered safe.

Short-term research demonstrates that taking up to 8 grams of curcumin per day poses little risk to health, though long-term studies are needed (10, 11).

Nonetheless, some people who take large doses of this compound may experience adverse effects, such as allergic reactions, nausea, vomiting, stomach pain, constipation, skin rash, or diarrhea (10).

Also, those with the following conditions should avoid turmeric supplements:

Note that theres insufficient evidence regarding the safety of these supplements among pregnant or breastfeeding women. Therefore, they should avoid them.

Moreover, some turmeric products may contain filler ingredients not revealed on the label, so its best to choose a supplement that has been certified by a third party, such as NSF International or Informed Choice.

Curcumin may also interact with many medications, including anticoagulants, antibiotics, cardiovascular drugs, antihistamines, and chemotherapy drugs (16).

Consult your healthcare provider to determine whether turmeric or curcumin supplements are right for you.

Turmeric and curcumin are widely considered safe, but large doses may have adverse effects. Certain populations should avoid these supplements.

Turmeric comes in several forms, though the easiest way to use it is as a cooking spice.

Its also enjoyed in beverages like turmeric ginger tea and golden milk, which is made by heating milk, turmeric, ginger, black pepper, and cinnamon powder.

In Indian cuisine, turmeric is commonly consumed in tea with black pepper and other ingredients like honey, ginger, olive oil, and coconut oil.

That said, most human studies suggest that health benefits are only seen at higher doses, such as those found in turmeric extracts or curcumin supplements.

Thats because turmeric is used in small amounts as a spice. Moreover, the spice contains a mere 28% curcumin whereas extracts pack up to 95% curcumin (3, 17).

You may want to choose a supplement that includes black pepper, as its compounds significantly improve curcumin absorption.

Although there are no official dosage guidelines for these supplements, most research suggests that 5002,000 mg of turmeric extract per day is sufficient to see potential benefits (8).

However, you should avoid taking high doses of turmeric for longer than 23 months at a time, as long-term safety research is unavailable.

While you shouldnt expect turmeric to aid weight loss, this powerful herb has numerous other benefits, such as lowering your risk of brain conditions and heart disease.

Remember to inform your healthcare provider of any supplements youre taking, including turmeric and curcumin.

Turmeric is a versatile spice and can be used in cooking or taken as a supplement. Though its effects on weight loss need to be studied further, it may provide numerous other benefits.

Turmeric is a popular spice associated with many benefits, including heart and brain health.

While it holds promise for weight loss, more extensive human studies are needed before it can be recommended for this purpose.

Turmeric and its active compound curcumin are widely recognized as safe, but you should consult a health professional if you have any concerns.

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Does Turmeric Have Weight Loss Benefits? - Healthline

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Mar 30

Surgery kickstarted this Katy womans 120-pound weight-loss journey. The rest was all her. – Houston Chronicle

Katy resident Lisa Carey just bought a full-length mirror. She hasnt used one in years.

Recently, she appreciates her reflection more. Its not just the changes in her own body the weight loss that matters, she explained. Its what she can do without feeling weighed down.

Im doing things now that Id never do before, said Carey, 53.

For example, she recently headed to a Twenty One Pilots concert with her daughter, stood the entire time, danced to the music and posed for photos. Spending more time with her children has been her goal since day one. The whole reason I did this was to be the mom I needed to be, she said.

That required hitting a reset button, Carey said. While a number of people find success in fasting or other weight loss programs, for her the answer came with surgery.

But first, she had to commit to making major changes in her diet.

A lot of people look at surgery and think its an easy way out, Carey said. Theres nothing easy about this.

Careys weight gain had been gradual. She added a few pounds after the birth of her first two children. Then she was diagnosed with traumatic fibromyalgia, deep pain triggered by a car accident.

All of a sudden, this active lifestyle I had wasnt as active as before, she said. And the medications didnt help.

In addition, in vitro fertilization for her third and fourth children also affected her fitness. All you want to do is sleep, she recalled. Youre so tired from the hormones and you just shut down. My active lifestyle was gone.

Carey said she tried everything to lose the weight, but nothing worked.

A year and a half ago, she started researching surgical options. I just decided that Im sick of this, she said. My body was not the person I was inside, and my body was ruling my world.

Carey yearned for the days when she felt like an active mom. As her youngest children entered their teenage years, she wanted to be more involved in their lives.

I was so weighed down with the weight, she said. It was keeping me from what I wanted to do. I wanted to be the mom I was before. I was inside - but I wanted to be that mom outside.

Carey booked a consultation with Dr. Ricardo Bonnor at Texas Surgical Arts, who explained her options. They made a plan for Carey to undergo a gastric sleeve surgery, removing part of her stomach.

Bonnor stressed how active a role Carey would have to assume in the process. He also explained that theres a stigma that persists, associated with the operation. Some patients need help, he said.

Still, its not a quick fix. You have to have the proper mindset, mentality and attitude, Bonnor said. Surgery is just a component.

Carey had to completely change the way she looked at food. Food is fuel, she said. Its not entertainment. And so much of what we do is wrapped around what you eat.

She had to learn to eat on a schedule, watch portion sizes and make time for breakfast.

For the two weeks before surgery, Carey could only eat soft foods. She also eliminated sugar, carbohydrates, alcohol and carbonated beverages completely.

After surgery, she maintained a liquid diet for a week, consuming only three ounces of nourishment at a time.

With time, she was able to add in more food. But even now, she maintains certain dietary restrictions. She counts about 1,500 calories a day and limits her carb intake. She upped the amount of water she drinks and the amount of protein she eats.

Its a total and complete lifestyle change, Carey said. Its all about the foods you eat and when you eat them.

In addition, she tries to increase her exercise. Even when she doesnt have time for a work-out, she makes an effort. For example, shell park her car farther from a destination to increase the walk.

In total, Carey has lost 120 pounds. She also had a tummy tuck to eliminate extra skin.

I didnt go in thinking that this was a magic wand, that my life would be great if only I lost weight, Carey said. I truly started this process, just because I wanted to be the person outside that I was inside. I wanted to be healthier.

Bonnor said that Carey has been an exceptional patient. Shes a great case of someone who made a powerful transformation, both on the inside and outside, he said.

She considers the lifestyle changes a long-term solution. The scale is just a number, she said. What really matters is how you feel when you look at yourself.

Carey has always been a busy person. In addition to being a wife and mother, she runs her own social media management company, New Creative Media, and maintains a blog, Money Saving Parent.

Self-care starts with acknowledging our weaknesses and then tackling them, Carey said. Were a lot stronger than we think we are.

Lindsay Peyton is a Houston-based freelance writer.

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Surgery kickstarted this Katy womans 120-pound weight-loss journey. The rest was all her. - Houston Chronicle

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Mar 29

The Global Chef: Diet and the fight against disease in West Africa – Traverse City Record Eagle

In the years 2014 through 2016 West Africa witnessed the largest Ebola virus outbreak since the virus was first discovered in 1976. The outbreak began in a rural Guinea village with a small boy and then his family. In weeks, Ebola travelled from the village across land borders to Sierra Leone and Liberia and spread to urban areas.

Within months Ebola became a global pandemic. In those two years, more than 11,000 people died in West Africa alone. (EVD kills 50 percent to 90 percent.) Ebola is still not fully eradicated.

West Africans have had to deal long and painfully with this virulent disease. To combat Ebola, or any disease, requires the dedicated work of doctors, nurses, scientists, government and life-saving medications together with our work of strengthening our immune systems.

That always includes diet. It may be the difference between surviving and dying.

Fumiaki Imamura and his research team from the University of Cambridge conducted a study analyzing West African diets for foods such as fruit, vegetables, legumes, whole grains, and fish, as well as foods containing fiber and omega-3s. The study used self-reported diet surveys from 187 countries, home to 89% of the worlds adult population. They also looked at the intake of unhealthy foods like sugary drinks, saturated fats and processed meats. (Researchers did not look at quantity of food 24 percent of West Africans are starving.)

According to the study, published in 2015 The Lancet Global Health, Taken all together, Sub-Saharan Africa, particularly West Africa, ranked better than wealthier regions in North America and Europe, probably because of a diet comprised of lean meats, vegetables, legumes and staple starches, with less processed foods than countries that fared worse (such as the U.S. and Russia). The study concluded that (most) inhabitants of West Africa enjoy healthier diets than counterparts in the United States, the United Kingdom, Japan or Canada.

Looking at just diet quality is not perfect, we know, Imamura said. For better public health, we should all look at social and environmental factors.

The studys shocking conclusion is that our eating habits are getting worse. Worldwide consumption of healthy foods has increased, but in wealthy countries that is outstripped by the growing consumption of unhealthy foods.

Fear of African food has led many people to avoid it. Africa is abundant with native foods, but very few are known, perhaps because of a perception that they are somehow inferior.

According to the National Academy of Sciences, Africa has more indigenous grains (millet, amaranth, groundnuts and rice) and native food plants (more than 2,000) than any other continent. Other indigenous foods include desert dates, butterfruit, kei apple, custard apples, guinea bananas, star apples, spirulina, tamarind, mushrooms, Ethiopian mustard, Hausa potatoes, tiger nuts, African bitter eggplant, spinach-like leaves of rosella plant, varieties of yams and legumes, and many herbs and spices.

In the online journal Nature, author Rachel Cernansky writes that Raymond Vodouhe, a plant breeder and geneticist with Bioversity International in Cotonou, Benin, and his team have focused work in West Africa on domesticating wild vegetables. Hardy wild plants help African families get through periods of drought or crop failure. Wild plants are threatened by deforestation and land-clearing. Researchers are domesticating wild vegetables so farmers have reliable access to indigenous vegetables and can better endure lean times.

Watermelon, coffee, black-eyed peas, kidney beans, sesame and okra migrated with slaves to the Caribbean, Europe and the New World. Along with abundant seafood (West Africa sits on the Atlantic Ocean), many legumes, whole grains, roots, tubers and greens this is a cuisine worth exploring.

Cookbook author and culinary historian Jessica B. Harris thinks that chicken yassa is an important key that opens the door for some people to African food. With simple ingredients, it is non-threatening. Its brilliant flavor comes from first being marinated, then grilled, and finally, stewed. Harris notes that all three techniques contribute to this strange and wondrous dish. Some recipes call for olives, carrots, and Dijon mustard to be simmered with the chicken.

Yields about 10 cups, 6 to 8 servings

6 lbs. bone-in chicken breasts, legs and thighs

1-1/4 to 1-1/3 C. fresh lime juice

5 T. olive or peanut oil, divided

2 chicken bouillon cubes, mashed (Maggi is good)

8 to 9 C. halved and sliced 1/4-inch thick onions

1 Scotch Bonnet chili

Cooked rice

Remove skin and excess fat from chicken parts and discard to yield 5-1/4 to 5-1/2 pounds chicken.

Zest 3 limes. Pour lime juice and zest into large mixing bowl. Stir in 2 tablespoons oil and bouillon cubes until dissolved. Transfer onions and chicken to bowl and rub mixture into chicken parts. Cover bowl and marinate 1 hour at room temperature or 2 hours refrigerated. Turn chicken halfway during marination. Remove chicken and drain excess marinade back into bowl.

Place chicken onto parchment-covered sheet pan or in mixing bowl and season with salt. Set a strainer over another bowl and pour marinade through. (Allow onions to drain while chicken cooks.) Reserve both onions and marinade separately.

Preheat broiler or grill over high heat. Working in batches, grill or broil chicken pieces, turning once, until browned but not cooked through. Set chicken aside in a bowl.

Heat remaining 3 tablespoons oil in a heavy 8-quart pot over medium heat. Add reserved drained onions, cover, and cook until soft and browned, 25 to 30 minutes. Sugars from the lime juice will caramelize on the bottom of the pan; stir onions and scrape bottom of pan occasionally. Pour marinade and the chili into onions. Transfer grilled chicken and any collected juices to pot, and tuck chicken into onions. Bring to a boil, lower heat, and simmer, partially covered, until chicken is cooked through, 30 to 45 minutes. Turn chicken once or twice so it cooks evenly.

To Serve: With tongs, transfer chicken to a platter. Taste sauce and season with salt if necessary. Pour or spoon onion sauce over top of chicken. Serve with rice.

Adapted from Yolele! Recipes from the Heart of Senegal by Pierre Thiam.

Black-eyed peas dont need long soaking and cooking so theyre ideal for meals in the heat of Africa or summer.

Yields 8 cups, 6 to 8 servings

2 C. dry black-eyed peas

1 to 1-1/3 C. peeled and 1/4-inch cubed tomato

1-1/4 C. peeled, seeded and 1/4-inch cubed cucumber

1 C. cored, seeded and 1/4-inch cubed red or green bell pepper

2/3 to 1 C. trimmed and finely sliced green onions

1 C. coarsely chopped Italian parsley

1 Scotch Bonnet or Serrano chili, stemmed, seeded and diced, to taste

1/2 C. olive or peanut oil

1/3 C. fresh lime juice, to taste

Rinse black-eyed peas, and soak in cold water 1 hour. Drain. Pour peas into 4-quart saucepan with 1 quart cold water. Bring to a boil over high heat. Lower heat to a simmer and cover. Simmer until peas are tender but not splitting, about 30 minutes. Strain peas, season with salt, and set aside.

In a large mixing bowl, toss together tomato, cucumber, bell pepper, green onions, parsley, and chili. Fold in oil, lime juice, salt, and freshly ground black pepper to taste. Fold in cooked black-eyed peas. Cover salad and allow flavors to develop 1 hour. Taste and season with more lime juice, salt, or pepper.

To Serve: Pile salad into serving vessel and serve chilled or at room temperature.

Adapted from Yolele! Recipes From the Heart of Senegal by Pierre Thiam.

This salad brings to mind a French Salade Nicoise, the classic composed salad. Senegalese cooks often stuff prawn or shrimp salads into avocado halves and serve as appetizers.

Adapted from Discovering Global Cuisines by Nancy Krcek Allen

Yields 4 servings

1 C. black-eyed peas

1/4 C. peeled and finely diced onion

3 T. oil, divided

6 T. fresh lime juice

2 large eggs

1 medium red bell pepper or 2 ounces sliced canned pimento

16 large peeled and de-veined shrimp

4 C./4 ounces clean, torn lettuce or baby greens

5 oz. plum tomatoes

Garnish: Italian parsley leaves

Soak black-eyed peas 1 hour in cold water. Drain peas, pour into 2-quart saucepan, and cover with water. Bring to a boil, lower heat, and simmer peas until tender, about 30 minutes. Cool peas and drain to yield about 2-1/2 cups cooked peas.

Measure 2 cups drained peas and set the extra 1/2 cup aside for another use. Toss 2 cups drained peas with onion, 2 tablespoons oil, and 2 tablespoons fresh lime juice. Season with salt and pepper; set dressed peas aside.

Place eggs into 2-quart saucepan and cover with cold water. Bring to a boil, cover pan and remove pan from heat. Time eggs 12 minutes. Remove eggs from hot water, crack the ends, and place in bowl of cold water 10 minutes. Peel eggs and quarter lengthwise into 8 wedges. Set aside.

Roast bell pepper over flame or under broiler until evenly blackened. Set aside in bowl, covered, until cooled. Peel pepper and discard stem, skin, membranes, and all seeds. Slice into thin julienne to yield about 1/2 cup, and set aside.

Steam shrimp or prawns until just cooked through and opaque, 3 to 5 minutes. Remove from steamer and cool. Refrigerate until needed.

Dice peeled avocado halves into 3/8- to 1/2-inch cubes and toss with 4 tablespoons lime juice and 1 tablespoon oil. Season with salt and pepper. Set aside.

Line up 4 large salad plates or shallow bowls. Lay a fourth of the lettuce on each plate. On each plate: Pile 1/2-cup black-eyed peas in the center. Spoon a fourth of avocado mixture over peas and greens. Slice plum tomato into twelve 1/4-inch thick rounds. Arrange 3 slices of tomato, 2 quarters hard-cooked egg and 4 prawns around the sides. Arrange sliced bell peppers (there will be some left over) or pimento slices across the top of the salad.

To Serve: Garnish salad with parsley leaves. Serve with salt and pepper grinder on table. Advise diners to toss salad before eating.

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The Global Chef: Diet and the fight against disease in West Africa - Traverse City Record Eagle

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