Planning a winter getaway with loved ones? AMBA Discounts make it easy to create a time to remember. Whether you’re escaping the cold to warmer climates or seeking a slope-side paradise, we’ve got the savings for the perfect vacation, custom-tailored for your adventurous spirit and wallet.

Extra Holidays

Extra Holidays specializes in creating the perfect vacation for you and your loved ones. Choose from 200+ condo-style resorts in over 150 top destinations across the world. Whether you seek to go snorkeling in the bright blue waters of the Caribbean, or tee off with a view of Camelback Mountain, or going on an adventure to an exciting new country like Australia or Japan, there is room for the whole family. Most suite accommodations offered by Extra Holidays feature separate bedrooms, spacious living/dining areas, partial or fully-equipped kitchens and conveniences like a washer/dryer, as well as extraordinary amenities like lazy rivers, on-site sporting facilities and resort activity programs.

AMBA Discounts Offer: 20% off a wide selection of resorts in over 200 destinations.

Extended Stay America

Finding a hotel that is comfortable for families (or for traveling alone!) and has a kitchen included so you can cook your own meals is always welcome. Extended Stay America has tons of locations throughout the United States. The chain is a favorite for many travelers because of the available kitchen in your room. Supplied with all the bells and whistles you’d need for a home away from home, they even have pots and pans and anything else you need. It makes it a lot easier to save money to cook your own meals!

AMBA Discounts Offer: Save up to 50% off all stays at Extended Stay America hotels.

Dining

Of course, it’s always fun to go out for meals while you’re traveling. As soon as you’re done schussing the slopes, savor the amazing restaurants that AMBA Discounts is partnered with. From fine dining at local favorites to national chains for a quick bite such as….

Avis Car Rentals

Wherever you’re traveling, Avis has the perfect vehicle for your adventures. on the road faster than ever. The updated Avis app makes it easy to skip the counter, choose your vehicle, and get your family on the road faster than ever.

AMBA Discounts Offer: Save up to 35% off base rates when you select Pay Now or save up to 25% off car rental base rates with Pay Later.

Whichever the season, however the outdoors calls you, AMBA Discounts is your passport to big savings to help you make the most of your next escape. From summit-seeking to fly-fishing, mouth-watering cuisine to personalized wellness, kid-friendly fun or something-for-everyone, AMBA Discounts lets you explore a world of savings on travel, entertainment, shopping, and car rentals. Visit www.passportcorporate.com now!

Members, if you don’t have your activation code, please call our office at 919-834-4652 or 1-800-356-1190.

We all know the obvious consequence of making consistently unhealthy food choices: weight gain. But the number of ways our eating habits can affect our body and overall health doesn’t stop there.

Though consumption of deep-fried foods, sugary foods, and char-grilled meat can be enjoyable, they can lead to chronic inflammation. Increased levels of inflammation in the body can cause day-to-day issues like fatigue and trouble sleeping, to more serious and even fatal health concerns like damage to healthy tissue, heart disease, diabetes, and even an elevate risk of some forms of cancer. If you’ve been overdoing any of the following inflammatory foods, consider this your wake-up call to cut back.

High-Inflammatory Foods To Aviod

1) Char-grilled meat

Whether you’re barbecuing or pan-grilling, char marks and burnt edges are a clue that your food contains heterocyclic amines (HCAs). HCAs are mutagenic because they cause damage to DNA that may increase the risk of cancer. Rodents fed with HCAs developed tumors of breast, colon, liver, skin, lung, and prostate. Cooking any animal protein at a high temperature can form HCAs, but red meat is likely the worst offender.

Meat that’s been cooked over an open flame also often contains polycyclic aromatic hydrocarbons (PAHs), the same matter that can be found in cigarette smoke and car exhaust fumes (still hungry?). PAHs form when fat and juices drip down and cause smoke that latches onto the surface of your food. Like HCAs, PAHs have been found to be linked to an increased cancer risk.

If you love the taste of char-grilled meat, you can prevent some of the damage by marinating it in a combo of lemon juice and herbs and spices. Oregano, thyme, rosemary, basil, sage, and black pepper are all loaded with beneficial antioxidants, which counteract inflammation.

2) Processed meat products

The high amount of saturated fat in processed meat causes further inflammation of the fat tissue in your body. These foods also contain high levels of sodium nitrite, a compound that may increase the risk of gastric cancer. Processed meat cooked in high heat – like bacon sizzling in a pan – are a significant source of advanced glycation end products (AGEs). AGEs cause oxidative stress and inflammation, which researchers believe may accelerate age-related diseases such as Alzheimer’s.

3) Alcohol

In moderation, alcohol can reduce inflammation and lower stress. But when consumed in excess, alcohol induces inflammation in the gut and may explain the close connection between alcohol overuse and cancer, liver disease, and neurological damage.

If you choose to imbibe, limit your intake to two drinks a day or less if you’re a man or one drink a day or less if you’re a woman.

4) Sugary foods and drinks

Sugar is high in calories but low in nutrients. Indulging in too many sugary products – including sodas and many sports drinks – makes it easy to pack on excess pounds and for your doctor to diagnose you as obese. And obesity is associated with chronic inflammation.

5) Ultra-processed foods and refined carbs

If it comes in a box or bag with a long list of ingredients, you can safely bet that it’s inflammatory. Highly processed foods may trigger chronic inflammation by altering the composition of the bacteria that live in your gut.

Likewise, cookies, crackers, white bread, and other refined carbohydrate products quickly cause blood sugar to spike. This triggers an inflammatory response as your body tries to bring blood glucose levels down to normal.

Instead of carbs, focus on whole grains, like quinoa and brown rice, which take longer to digest and won’t spike blood sugar.

Another risk of a poor diet is being turned down for the life insurance you need to protect your loved ones. But the Whole Life policy from NCRGEA and our trusted partner AMBA is different. You can get peace of mind knowing you’re guaranteed acceptance, even if you smoke or have weight issues. There are no tests or exams. Joining is easy: you can purchase your policy online right now. It even includes a no-obligation 60-day return policy. Learn more about a Whole Life Policy through NCRGEA and AMBA at AMBAlifeinsurance.com/NCRGEA or call 800-956-1228.

Sources: https://www.cancer.gov/about-cancer/causes-prevention/risk/diet/cooked-meats-fact-sheet#what-are-heterocyclic-amines-and-polycyclic-aromatic-hydrocarbons-and-how-are-they-formed-in-cooked-meats

https://www.ahajournals.org/doi/10.1161/ATVBAHA.110.203984#:~:text=Several%20studies%20have%20demonstrated%20that,in%20the%20innate%20immune%20response

Body language makes up a huge part of daily communication. Want to know what someone is really saying? Body language may account for between 60% to 65% of all communication. These nonverbal signals, either intentionally or unconsciously, include facial expressions, gestures, and body movements. But the eyes aren’t just the windows to the soul, as Shakespeare said. Leading psychologists have determined the eyes are also a powerful tool to recognize what someone is really thinking – whether to reveal deception, intimacy, and many other cues. Here are some findings:

The Eyes Are a Critical Component of Facial Expressions

Many people would answer “What’s the quickest way to determine if someone is happy or angry?” with whether the person is smiling or frowning. But the eyes and their complex musculature play an important part in expressing emotions. For example, researchers have found that that the eyes are the true tell-tale sign of whether someone is experiencing genuine happiness or faking it. French anatomist Guillaume Duchenne studied emotional expression by stimulating various facial muscles with electrical currents. The “Duchene smile” is named after him. It’s when the eyes narrow and crinkle, creating lines (or “crow’s feet”) at the outer corners. If these ocular cues are missing, the smile is likely fake.

The Eyes Can Indicate Fear or Attraction

Making eye contact with another person can immediately trigger awareness. If the other person is a stranger, it may arouse fear. If the other person is someone we know and distrust, the stare may cause us to feel threatened and angry. And, of course, if it’s someone we are attracted to? Mutual eye contact that lingers can indicate attraction and interest.

An additional cue emerging from the eyes is pupil dilation. When we are interested in something or someone, it causes our pupils to widen as we focus on the object. Mutual gazing into another’s eyes can indicate passion and/or love. Research has proven couples in love tend to do this, and the more they do it and longer they maintain eye contact, the deeper their love for one another.

The Eyes Can Be Used to Deceive Others

Conventional wisdom is that a liar can’t look you in the eye. But new research suggests the opposite. In a recent study, when people were asked to either tell the truth or lie, the liars tended to engage in more and longer eye contact than when they were telling the truth. Researchers concluded that the people telling the lies were aware of the common stereotype about deception and were overcompensating with their eyes when lying.

Knowing how to read someone’s eyes is an effective way to know who to trust and recognize what someone is really trying to communicate or keep from revealing. Knowing your own eyes are healthy and your vision health remains strong is equally important. Annual checkups with your eye doctor, especially as we get older, are more important than ever. NCRGEA and AMBA offer an affordable Vision Plan. The Vision plan provides comprehensive coverage with low copays for important services, including coverage for a WellVision exam every 12 months, as well as big savings on eyewear, contacts, and lenses. Sign up now at AMBAdentalvision.com/NCRGEA or call 800-956-1228.

Sources: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2898840/

https://www.psychologicalscience.org/observer/the-psychological-study-of-smiling#:~:text=Psychologists%20call%20this%20the%20%E2%80%9CDuchenne,facial%20muscles%20with%20electrical%20currents.

This hearty recipe is from a reader in North Carolina. It’s a great recipe to welcome in the autumn – it’s perfectly spiced, packed with plenty of protein and fiber, and has a truly addicting flavor. This healthy recipe’s ingredients include lean ground turkey so is a healthier alternative to a ground beef version but loses none of the deliciousness!

Ingredients

• 2 teaspoons olive oil
• 1 chopped yellow onion
• 3 minced garlic cloves
• 1 chopped medium red bell pepper
• 1 pound extra lean ground turkey
• 4 tablespoons chili powder
• 2 teaspoons ground cumin
• 1 teaspoon dried oregano
• 1/4 teaspoon cayenne pepper
• 1/2 teaspoon salt, plus more to taste
• 1 (28-ounce) can diced tomatoes or crushed tomatoes
• 1 1/4 cups chicken broth
• 2 (15 oz) cans dark red kidney beans, rinsed and drained
• 1 (15 oz) can sweet corn, rinsed and drained
• For topping: cheese, avocado, tortilla chips, cilantro, sour cream

Stovetop Instructions

1. Place oil in a large pot and place over medium high heat. Add in onion, garlic and red pepper and saute for 5-7 minutes, stirring frequently. 
2. Add in ground turkey and break up the meat; cooking until no longer pink. Next add in chili powder, cumin, oregano, cayenne pepper and salt; stir for about 20 seconds.
3. Add tomatoes, chicken broth, kidney beans and corn. Bring to a boil, then reduce heat and simmer for 30-45 minutes or until chili thickens and flavors come together. Taste and adjust seasonings and salt as necessary. 
4. Garnish with anything you’d like. 

Makes 6 servings, about 1 1/2 cups each.

NCRGEA is compiling a Digital Holiday Dessert collection of recipes for 2023! If you have a dessert recipe you’d like to share, Submit A Dessert here by October 10, 2023.

Getting older comes with several life-changing realities. Making healthy choices is one of the most prominent and important. Along with physical exercise, getting plenty of sleep, and staying social, a healthy diet is essential.

Eating right is crucial for adults over the age of 60. Poor diet can lead to many chronic diseases, including diabetes, osteoporosis, hypertension, and cardiovascular diseases.

Nutrient deficiency is also a common problem for older Americans due to not enough dietary variation. An easy way to get the nutrients you need and keep your body healthy is to add more avocados. Yes, the same food responsible for delicious guacamole can keep your body healthy for years to come.

Avocados Are Nutrient Powerhouses

Avocados are “nutrient-dense”: they’re packed with Vitamins C, E, K, and B6 as well as nutrients like iron, niacin, potassium, omega 3, and beta-carotene.

Plus, unlike other fruits, avocados are low in calories, solid fats, added sugars, and refined starches.

Heart Healthy

A serving of avocado meets the American Heart Association’s recommended dietary intake, which is:

• Low to moderate fat
• Low in saturated fat
• Limited trans fat
• Low cholesterol or less than 300 mg per day

Avocados also fight the risk of heart problems because they are abundant in heart-healthy nutrients like:

• Mono and polyunsaturated fats, which helps reduce blood cholesterol and the risk of developing heart problems.
• Potassium, which aids in normalizing blood pressure by blunting the effects of salt.
• Beta-sitosterol, which is proven to help keep the heart healthy by maintaining healthy cholesterol levels. It also decreases the risk of developing kidney stones and bone loss in the future.

Avocados Fight Cancer

Avocados are filled with antioxidants, helping to prevent the development of cancer cells in the body. Add to that its folate content which acts as protective gear against DNA and RNA mutations thus preventing the development of colon, pancreatic, and cervical cancer.

Recent research findings suggest that avocado extracts may even aid in treating cancer patients. Phytochemicals from the fruit kill and inhibit the growth of cancer cells. It also aided in reducing the negative effect of the chemotherapeutic drug cyclophosphamide to a patient’s body.

Want more protection in case of a cancer diagnosis or a heart event? A Cancer Plan from NCRGEA and AMBA can help. The plan will pay you a lump sum upon initial diagnosis. You’re free to spend the money as you wish: to pay medical bills, cover the cost of transportation to the doctor, anything – the money is yours. You can even add a Heart/Stroke rider to your policy for an additional premium. Request more information at www.amba-review.com/ncrgea or speak with a skilled AMBA representative by calling 800-956-1228.

Source: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7255361/

https://onlinelibrary.wiley.com/doi/full/10.1002/cam4.5984

Currently, nearly 10,000 people in the United States turn 65 years old every day. By 2028, that number will reach nearly 12,000 people a day. That adds up to millions of people leaving the workforce every year. Are they prepared for a successful retirement?

Americans are living, on average, more than two decades after the traditional retirement age of 65. The average 65-year-old American man will live to be nearly 86 years old, while the average 65-year-old American woman will live to nearly 88 years old.

As exciting as retirement can sound, the fact is more people are retiring with less savings than they need to be comfortable. In fact, more than 1 out of 5 Americans have no retirement savings at all.

It’s never too late to save, even after retirement. Here are a few things you should consider for a successful retirement.

Downsize

Consider what you own, what you need, and what you’d be OK doing without. If you’re an empty-nester and no longer need a big house – or want the expense of maintaining it and the property – you can move to a smaller and less costly home. You could even consider moving to another state that might have a more favorable cost of living and new adventures.

Downsizing doesn’t only have to mean your home. You can consider if it’s time to let go of items like season tickets to your local team or subscriptions to a variety of entertainment services. Additionally, you could sell an extra vehicle or some items like designer clothes and handbags. Put what you make into savings.

Trim your lifestyle and spending

Look at your purchases over the past few months. Identify spending habits that you can eliminate. One of the most frequent expenses that “sneak up” in terms of the accumulation of cost to you is dining out too often. Could you start cooking more meals at home instead of going out to eat as often? Keep a diary to track your spending. Note extravagant purchases and see ways to save.

Invest wisely

At this point in life, you’ll want to make less risky investments than you did when you first started working. But you’ll still want to invest. See if you can get a higher return on investment by investing in an annuity or mutual fund compared to waiting for a savings account to grow.

Be ready for a rainy day

One of the smartest investments you can make for a successful retirement is having the right benefits to cover routine health exams like Vision and Dental care, or in case of an emergency. The healthier you stay, the less expensive health care will be! Set up a FREE Benefits Review today so you can discuss with a skilled AMBA field agent what coverage you need to protect your health, finances, and loved ones. Visit www.amba-review.com/ncrgea or call 800-956-1228 Mon.-Fri 10am-6pm EST. It’s nice to know that anytime you have questions about your insurance benefits, someone is ready to assist.