Menopause: What Are The Diet Foods Women Should Eat?

What is the effect of diet on menopause symptoms?
Diet, nutrition and lifestyle collectively influence and intensifies the menopausal symptoms due to drop in oestrogen hormone that can be challenging in most women for years together like sudden weight gain, high blood pressure, risk of developing heart disease, deficiencies of nutrients, loss of muscle mass, hot flushes, night sweats, irritability, vaginal dryness, lack of sleep, irritability, poor concentration, frequent headaches, and joint pain.

This is commonly observed since most women pay less attention to their diet due to their busy schedules. High consumption of caffeine, alcohol, smoking, lack of exercise, nutritional deficiencies such as zinc and B6 are a major culprit for early menopause and implications of dietary factors such as eating processed, refined foods such as maida/white bread/baked goods, sugar, junk, white rice that impacts one’s body fat percentage, metabolism, increases the risk of insulin resistance which could interfere with hormone production.

Seek help from the Best Dietitian Nutritionists In Bangalore to know about diet and nutrition.

What foods women should avoid during this phase?
Menopausal symptoms can be extremely distressing and painful that can be tackled in most women through a lifestyle modification. Therefore it is necessary to restrict intake of caffeine such as tea, coffee, aerated drinks, chocolates, reduce alcohol intake and unhealthy trans fat sources such as packed foods, baked goods, sugar, ready to eat, and limit saturated fat such as red meat, rich desserts, and outside food.

To watch out the intake of Vitamin A in supplements used routinely and high intake of salt increases the risk of calcium deficiency. Hence it is necessary to watch out for hidden sources of sodium in our diet and to consult Nutritionist before you supplement yourself.

What foods women should eat?
Foods which are promising to help women during menopause are

Mindful and healthy eating with the right balance in nutrients will not only delay but ease the symptoms of menopause and prevent you from nutritional deficiencies. Get personalized diet advice today!
According to research data consumption of foods containing antioxidants, zinc and vitamin B6 is beneficial such as consumption of fruits, vegetables, leafy, nuts, oilseeds & fish.
Phytoestrogens which have a similar oestrogen-like activity such as isoflavones present in soyabean/ soya paneer, legumes, beans and dhals. sprouts. Include lignans from flaxseed, cereals, fruit and vegetables.
Vitamin E rich foods such as sunflower seeds, vegetable oils, leafy vegetables, nuts or supplements will help to relieve from perimenopausal symptoms.
Choose healthy fats rich in omega 3 such as fish, nuts, oilseeds etc and avoid unhealthy saturated fats.
Focus on Vitamin D sources like a mushroom, fatty fish and from fortified foods like milk, cereals, oil etc. This helps your body to utilize the intake of calcium.
Other herbs which are commonly used to treat menopause lack adequate data to prove it’s efficacy but most of them can be toxic to your liver, therefore, do not supplement yourself without consulting your Gynecologist or Qualified Dietitian.
Why protein is important for women during menopause?
Muscle and bone health are greatly impacted during and after menopause due to a decline in estrogen hormone which completely alters the body composition in women. There is a significant reduction in lean muscle and increase in body fat, hence regular monitoring of body fat percentage, muscle mass and checking handgrip strength at a Nutrition clinic is necessary to assess and adjust your daily protein requirement through your diet.

Maximising Your Tax-Free Benefits with the Best ISA Rates for over 50s

Individual savings accounts, or ISAs, are an excellent option for anyone wanting to boost savings. They work in almost the same way as a regular savings account, with the exception that any interest you earn is tax free.

You won’t pay any income tax on the interest you earn. You also won’t pay any capital gains tax on your interest earnings. If your goal is to increase your retirement savings, an ISA could be a great option for you.

Anyone over the age of 16 can open an ISA. However, you’ll find some of the best ISA rates for over 50s are often more attractive than those offered for younger account holders.

Cash ISA or Stocks and Shares ISA

Everyone in the UK has an ISA allowance each year of up to £10,680. However, if you’re depositing funds into a Cash ISA you are limited to a maximum of £5,340, while the remainder of your annual allocation can be invested into a stocks and shares ISA.

Keep in mind that there will be an element of risk with a Stocks and Shares ISA as compared to a Cash ISA. The interest you earn on a Cash ISA may give you a lower return initially, but it’s still a guaranteed return.

By comparison, the returns offered on Stocks and Shares ISAs are highly dependent on fluctuations in the share market. It’s possible the value of the stocks and shares your ISA has invested in could decrease. Of course, if the value of those equities increases, it’s also possible your returns could end up better than those you received on your Cash ISA. It’s important to determine your level of risk aversion and risk tolerance before choosing an ISA to suit your needs.

Deposit Your Allocation Early

If you have the funds available, deposit your entire annual tax-free allocation as early as possible. You’ll earn more interest overall by depositing a lump sum early than you would by depositing smaller amounts throughout the year.

If you wish to continue saving over and above the annual tax-free allocation limit, you can always open a regular savings account and keep your money there. The interest you earn won’t be tax-free in a regular savings account, but you may be able to transfer your cash into an ISA as a lump sum the following year to make the most of any extra money you’ve saved.

Savings Account or Cash ISA?

If you’re comparing the interest rates available, you may notice that some savings accounts offer higher rates than those offered on Cash ISAs. While you may earn a little more interest by putting your money in a regular savings account, you aren’t getting the tax benefits.

By comparison, putting your money into a Cash ISA allows you to take advantage of not paying any tax on the interest you earn. The marginally higher interest rate on a regular savings account may earn you more initially, but don’t forget you’ll be paying tax on any interest earnings.

You can still top up your savings using a regular savings account. Just be sure you’re maximising the tax-free interest you can earn whenever possible.

Regular Contributions

Not everyone has the available cash to deposit the entire annual allocation in a lump sum right away. If you’re still building up your savings and want to take advantage of tax-free interest earnings, you can set up an automated savings plan.

Many banks will let you arrange an electronic direct credit from your regular bank account to your cash ISA. You can nominate how much you want to pay into your savings each week or fortnight to top up your savings balance over time.

If you’re serious about really taking advantage of the best ISA rates for over 50s, you need to spend some time comparing the potential amount of interest you can earn on your savings. Shop around and make sure you’re getting a competitive interest rate on your savings and see if there are ways to maximise the interest you earn on your cash. Work out the tax-free component and compare the different accounts available before making your decision.

Planning for Retirement in the 21st Century

Retirement is the dream of every American worker. Unfortunately, the dream is fading for many baby boomers because of poor retirement planning. There are several reasons.

The average retirement age for an American worker today is 62 years old. Unfortunately, these folks have seen their 401(k) and other retirement funds undercut by the recession and they do not have enough money to retire. Traditional pension plans have shifted over the last 30 years to plans that require employee contributions. These pension plans were also hit hard by the recession and many are woefully underfunded. Surprisingly, 47 percent of US households are not covered by a defined benefit or contribution retirement plan.

Average retirement savings at age 50 is $43,797. One estimate of what is require for sustained retirement states that a household will need 70 percent of a retiree’s pre-retirement income – without debt – to live comfortably. Baby boomers are saving as little as 38.2 percent of what will be needed to retire. Up to 50 percent of them are unprepared for retirement.

The most astounding statistics may be that only four percent of retirees have accumulated sufficient wealth for retirement. At the same time, up to 63 percent of retirees depend completely on Social Security and family for retirement. Clearly, starting to prepare for retirement is a planned process that begins early.

Most experts strongly recommend beginning a systematic and disciplined retirement savings program when individuals enter the work force in their early 20s. The reasoning is simple – there is more time to accumulate retirement wealth. For instance, a person who starts saving for retirement at 25 and puts away $3,000 per year for 10 years in a tax deferred account at eight percent will save $472,000 – and that amount keeps growing. In the same scenario, a person who begins saving at 35 will accumulate $367,000. That is a significant difference of $105,000.

Individual Retirement Accounts (IRA) and 401(k) plans are the retirement vehicles of choice among retirement planning experts. They are tax deferred accounts in which taxes are paid after retirement at a lower rate. At a young age, savers should invest their accounts in higher yield growth stocks that will provide the most return. By age 50, the saver’s portfolio should reflect a more conservative and cautious approach to saving and be made up of bonds and stable investments.

Retirement financial planning must start early and continue until retirement. This is the foundation for the retirement dream.