You're the Only One Who Can Flip Your Switch

This is NOT some infomercial about a product that will make you instantly thinner or give you an amazing cholesterol number or any other sort of "quick fix". What I want to do here today is encourage a change of mindset that leads to change in your decision making which then effects your time and energy which will eventually, over time, turn into a life changing event.

A little less than a year ago I became keenly aware of the people around me. In restaurants and offices and even on the daily commutes I noticed that at least 70% of the people I came in contact with were overweight to obese. These people had trouble moving and some even had labored breathing just standing there. I would imagine their daily process of everything from their eating habits to their lack of an exercise routine. Well, then I took a look at myself and realized that the people I was looking at could very easily be me.
I was not as careful with what I ate. I did not have any legitimate exercise routine or plans. I seemed lethargic about health and wellness in general and was fine the way I was...or so I thought. However, those of you who know me know that I am not a tall person and that I have had my battles with health issues in my life. Ten extra pounds on me looks and feels like thirty. I woke up one morning this past summer and told myself that this was ending today. I got up, got dressed and headed to play some tennis at our local park where a nice big green backboard waited for me. Now, picking the dead of the summer when the temperature was 100+ was probably not the best option, but after 10 minutes on the wall I was totally wiped. Things hurt I had forgotten could hurt. I was breathing so heavy I thought I might just pass slap out right then. I sat and hydrated and caught my breath. I got back to business and squeezed out 30-40 minutes of really good cardio exercise.
For the next day I ached. Shins, back, shoulders, you name it. However, I was not going to stop. I knew that getting started in an exercise program would take some time for my body to adjust but I would not get anywhere giving up or letting up after one time out. Two days later I was back at it. I went 45 minutes with only 2 stops and I walked off the court (as opposed to the labored crawl I had a few days before).
Those few days turned into to three weeks and then something amazing happened...I saw the results of my labors. Tennis is an amazing sport for cardio and fat burning and I could visibly see the difference. That makes you feel good and makes you want to do even more.
In this process, I also decided to adjust my food management (I do not like the word "diet"). Food management involves picking the right amounts of the right foods and less or none of the wrong foods. It really is that simple. I changed my thinking from "sludge" to "high octane" to fuel my new and improved engine. Result? More visible reminders that this was working. I was starting to be in the best shape of my life and the switch in my brain had hit a new level of commitment to the changes.
Now, I tell you all this not to brag or say that "I've arrived". What I want to get across to everyone reading this is that it all boils down to one very simple thing. The process can not take place anywhere else first but in your mind and being. If you don't determine to make the change nothing will change. Your family can beg you, your friends can make jabs at you (friends can do that), and people around you can suffer miserably with health conditions you are just waiting to get because you are on the same path as they are and nothing...I mean NOTHING will flip your switch but you.
If it helps for me to challenge you to take that first step...consider yourself challenged. Come meet me on the tennis court and we can get started today. All I know is that if you want it and you are willing to go for it, then nothing will stop you. There is no better feeling than knowing you are doing good things to make your life better as a result of the "no excuses" hard work and determination to stay at it. Becoming the new and improved you will always be worth it.
Flip that switch.

Inspiration comes in many ways and from various places. Videos like this one are right up my alley to keep me inspired and remind me what it takes to achieve. Enjoy:

Healthy Is Up To You

As many of you know, I am the Birmingham Association of Health Underwriters President-Elect. With that duty comes the responsibility of acquiring speakers at our monthly meeting to come and present something on a topic we can all use to further our education.

This month, I was able to procure Dr. James Fox to come and talk to us all about wellness and wellness programs. While this may seem like a topic of little to no interest for people, the reality is that it applies to everyone whether they were in the room or not.

Thinking about wellness made me think back over my life and the health I have had...both good and bad. I've been through kidney disorders, weight problems, inactivity, and the usual cuts and bruises we all get through life. The message we heard and the message I give a hearty "Amen" to is that wellness can no be packaged in a cure all and be expected to be entertained much less activated by those who are delivered this "miracle" option. Ask any company who has had a wellness program in place that failed miserably and I am thinking that the reason for that failure was that the plan was not personal for the individuals who really needed it.

Another main point that Dr. Fox made was that wellness is up to the individual. The person must want to change before change can begin. It's like the person who has an addiction and needs rehab. You can take them there 100 times, but until THEY want to change the trips there are just chances to see old friends, have a place to sleep, eat and be left alone.

With that in mind, let's look at some things we can all consider as we look at wellness as a program within ourselves, our families and/or our places of business:

1 - Get input from those who will be putting in. Let's be honest, the best laid plan in the world is worthless if the plan is never acted upon. The best way to get a plan acted on is to be sure that everyone involved has a say to start with. No one likes to be told what is good for them or what they need to do to change. Start off right by involving everyone in the planning process and success has a better chance of following.

2 - Have a way to monitor. Whether it's a goal of financial gain or a personal goal to achieve something, everyone agrees that setting the goal and then monitoring progress is the key to achieving those goals. Monitoring must be scheduled and consistent to see results and allow for feedback. A wellness plan without a way to monitor is just a list of "do it if you feel like it". This part is where a good plan gets weighed way down because activating the plan took so much work. Many feel the hard part is over but the monitoring is what makes a difference. Weekly meetings? Reminders? Charts? Whatever you and the crew decide is best, let that be your measuring tape and make sure everyone checks in regularly.

3 - Accountability. Ask anyone who has successfully lost weight or quit a habit and the majority of those people will tell you that one key to their success was having someone in the trenches with them. Partner people up who have similar goals they want to achieve. Give them a lifeline when they want to stop after 3 days. There is no better cure for feelings of "I can't" than to have someone right there with them encouraging them on to "I did it".

4 - Honesty. Ask anyone who has been a part of a weight reduction program. The scale doesn't lie. We can lie to ourselves for months, but when we hop on that scale the truth comes out. We have to be like that scale with ourselves. When we blow it on our part, we have to own up, push off the guilt and start fresh tomorrow. Pretty soon we will get used to being honest with ourselves and be able to string days together where we don't have to lie to ourselves because we are sticking with it...honestly.

5 - One day does not an entire goal make. Many times as we start to change something on ourselves, we get all excited up front and ride that wave for a few days and then WHAM! We get blindsided by a setback. In wellness it is definitely that way. We want to lose weight and we do so well for weeks and then our birthday comes or whatever and we eat like we want and see ourselves heading back in the wrong direction. The same could be said of that one cigarette or that 2nd beer. Don't beat yourself up. Tomorrow is a new day and you can get right back on track. This is where the accountability and honesty come into play quite a bit.

6 - It's not about wellness for the now. When you start a wellness program you are determining that these changes you are about to make are not just for now and today's goals. You are looking at a much farther reaching process of a lifestyle change based on good and solid decisions for yourself. Remember, achieving the goals along the way are not the end result and reward. It's a life that has been changed for the better and for years to come.

So, while wellness programs in businesses may help a company show that they have healthier employees and insurance companies should consider that before they increase their premiums, the ultimate goal should be healthy employees...period. A bottom line means nothing if your crew is filled with people having heart attacks, being overweight, and living shorter lives. Employers can give their people much more than a paycheck. With a solid wellness program that is alive and active and properly administered, the employer provides something that can last a lifetime whether those people work for you or not.

For those who feel they can just plop a wellness program in front of people and expect them to be excited enough about it to be a part of it, think again. It's up to each person to have a say and have the desire to do it. No one can be made to change. However, let someone decide to change and then give them some tools to help them change...no one can stop them.

Do you have some ideas for wellness in your life or your place of business? Contact me. I'd love to hear them and even work on them with you.

The video I picked is "Break My Stride" set to some great "moving" movie scenes. Enjoy.

It's October, So Think Pink?!

It's the month of October. While the children in our lives get excited about what Halloween costume they might be wearing and we all feel that little cool in the air, there is another reason to make October a little more special each year. October, for the last few years at least, has served as the official month for breast cancer awareness. Companies and retailers get out their pink colored products and display the fact that they help support a cause for research and cures for breast cancer. We start seeing emails come to us about various events and fund raisers that are happening all over to help raise money and awareness for breast cancer.

For my very first year, I have decided to take part in raising funds for this cause AND put my body in the action through the Susan G. Komen Race for the Cure in Birmingham, Alabama. I am not much of a runner, but figured I could put together a decent showing for 3.2 miles of distance without causing myself too much physical pain or general embarrassment. How it all happened is kind of a nice story, but I will just post some points for all of us to consider as we go through October and help those around us to be more aware of this good cause:

1 - We have all been effected by someone with breast cancer. If we stop for just a moment, we can think of someone we are either directly of indirectly in touch with who has been effected. Any kind of cancer brings its own set of concerns, but for women this one ranks at the top. The physical and psychological effects can be devastating. Some have died as a result of having it, while others have battled on after some severe surgeries. I can think of no better reason to support a cause than to possible be able to help in some way those I know.
2 - You don't have to do it all by yourself. The reason these companies offer special products and these races are offered is so that the collective good of many people can allow us to at least give something. $5.00 may not seem like a great amount, but multiplied by thousands of people all working with their own $5.00 a life could be saved. We don't have to give it all by ourselves. A small part makes a big difference.
3 - Giving time is just a valuable as money. Maybe funds are tight and even $5.00 seems like a hurdle. We all understand that. However, there are ways you can give of your time to these causes. Maybe join a team in a race or offer to volunteer to help raise money in someone's behalf. The only thing I would consider a bad move in this process would be to not move at all. Be creative and do what you can to help those in need.

Those are a few things we should keep in mind as those around us all become more aware. Hopefully we do as well. As for my participation in the Race for the Cure, I have stated that I would not only race but also attempt to raise $100. I also joined a team whose goal is $1000.00. The reality goes back to what I stated earlier. Everyone working together with their small piece adds up to a big piece that can make a difference. With that in mind, please go to my personal race page here and donate directly for me and my $100.00 goal. If you would rather give directly to the team "Counting Our Blessings", please go here. In fact, if you are feeling good about yourself, join the team and come run with us on October 15, 2011. It's early on a Saturday but when it's over I plan on feeling pretty good about doing all I could do to help.

2011 NAHU Leadership Conference...and "The Star Spangled Banner"

A couple months ago, I was helping to prepare for the Alabama Association of Health Underwriter's Conference in Birmingham, Alabama.  As part of the program of events, I was asked to use some of my musical contacts to acquire a group to perform "The Star Spangled Banner" to help get things going.  I contact my old high school and their band director was more than happy to get a small contingent together to play a beautiful rendition of our National Anthem.  However, day two would have no such pomp and circumstance and it was requested that I provide a solo version on my trumpet.  I was more than happy to oblige.  I prepared and did well.
Apparently I had done well enough that the main coordinator of the conference contacted the person in charge of setting up the Region 5 & 6 Leadership Conference which was to be help in New Orleans, Louisiana.  The next thing I know I am taking my local chapter President-Elect status and my musical abilities to New Orleans to kick off the conference there.  Needless to say I was both flattered and little nervous.
People are always amazed that I still get nervous after all my years of playing.  I'd be scared to know what it would feel like NOT to be a little nervous.  I feel nerves enhance what we do and show a deep level of concern that we really want to put our best out there for others to see.
This conference would be a combination of the two things I feel very strongly about...music and my abilities as a health and life insurance professional and an up and coming President of the Birmingham Association of Health Underwriters.  My rendition was well performed and well received.  When the cheers and thanks died down, I was in full "learn mode" so I could capture all I could from other NAHU leaders from all over the Southern US.
Feel free to check out the few pictures from the conference I loaded below:



Let me tell you what struck me the most that many of you reading this can relate to:
1 - No matter how much we believe in something, it's only until others give that positive experience feedback that we make a difference. Have you ever been a part of something and felt like you were the only one who really cared about what was going on in the group?  Have you ever tried to get others involved, only to be summarily turned down and made to feel that what you were doing was essentially a waste of time?  It's kind of like that with NAHU/AAHU/BAHU.  Until others hop on the train we won't truly see that together we can do something special for ourselves and our clients in our insurance industry. The rules apply to any group or organization.
2 - There will always be naysayers.  Don't fight their arguments, build your own beliefs and let them be heard.  They are everywhere.  The people who say, "No" and "Waste of time and money" and my favorite..."What's in it for me?" We all have those people in our work or our organizations.  While we look for solutions, they sit by idly and just fold their arms and grunt.  Forget them.  Get a plan and some people who will help you and watch the naysayers either hop on or disappear.  Either way is a better way.
3 - Some expect to just be entertained.  Do you really learn anything and make a difference by just watching?  Nope.  Last I checked life was not a spectator sport.  Neither are the things that matter to us.  If we want what we do to be viewed with importance and have a sense of excitement to it, then WE have to get going.  We can't just expect to "sit and get".  In fact, what you find many times is that those who have the "What's in it for me?" mentality would make great additions to a project or idea even they might have.
So, thank you for the invitation.  It may have been to provide a rendition of our National Anthem, but I got much more out of it that I hope I can take and use now and for years to come.
My question to you is this...would you like us to help each other?  Maybe you have an idea or a need and you're having a tough time getting your head wrapped around to starting it.  Contact me and I'd love a brainstorming session.  It doesn't even have to be about insurance.  Anything at all and we can get a ball rolling that may change lives and attitudes for the better.  I'd love to be a part of it if you'd like me to be. I'm always a phone call (205-370-8453) or an email (gene@generamsay.com) away.

For the Ladies!

OK, I promised that my next blog would be devoted to the ladies and that I would be talking about health and wellness. So, here is the next blog and I'm doing...as promised.  Now ladies, if you wish to add to any of the basic principles and information I have outlined here please feel free to contact me and I may be able to do another blog on this important subject later.

I have always felt like and said that women are built more like a Ferrari and men more like a good old Ford truck. The woman's overall body make-up is such that it is a finely tuned machine that requires only the best and most advanced knowledge to keep it running at optimal performance, whereas with men some duct tape and Velcro can fix most of the issues guys face (cue canned laughter).
I try my best to read most of what comes across my desk in the health and wellness area as I truly believe that this is one of the major keys to helping all of us in the way of medical expenses and keeping costs down.  Many times people are unhealthy by their own hands and many times a simple adjustment to eating and exercise could be worth pounds and pounds of cures for the body.  How many times have we heard of someone contracting cancer and not wanting to go through the usual chemo and radiation "poisoning" process.  They drastically adjust their diet to only be fresh foods and weeks later the cancer seems to be gone. The person successfully eliminated agents from their body that the cancer fed on to spread and by eliminating the agents eliminated the cancer. The real question is, why would we wait until the clock strikes twelve to do something when there are little, non-life altering things we can do each day to give us at least a better chance at a healthier lifestyle.
Here are a few things to think on for the ladies (guys, you might be able to pick up on some things here too):
1 - Women who exercise regularly have a lower risk of dementia. Nothing earth-shattering here.  We all know exercise is good for our bodies but as the obesity levels rise in our country we just throw our hands up and catch the remote and grab a bag of chips. The NFL had it right when they started their "Move 60" program.  Just an hour a day of some type of movement can have a huge effect on our lives and health. I even talked to a lady awhile back who taught a basic exercise class and she called movement "wiggling" just to make it fun. She said we all needed "wiggle time" each day. PLEASE NOTE...it does not say if you exercise regularly you will be a super model. We are talking about our brains and one of the scariest and most unsettling things that can happen as we age...dementia. Get that blood pumping and "stay with it" for years to come.
2 - SEVENTY percent of those who suffer from rheumatoid arthritis are women. Many things could attribute to this fact. To better understand, do some research on what causes arthritis as age increases. Fighting this off revolves around eating right and staying active. If your joints stay well lubricated and you feed the Ferrari the right fuel, you can help keep this at bay.
3 - Menopausal hot flashes and night sweats could lead to greater risk of osteoporosis. Fight this back with exercise (do you see a theme here yet?) and a diet rich in calcium and vitamin D (do some research on what foods are rich in these...it just might surprise you).
4 - Women are more likely than men to experience lesser known heart attack symptoms, like shortness of breath, nausea, and back or jaw pain. In my meetings I have, I often kid that the reason I believe women have a larger propensity to heart conditions is because we men drive you nuts. While that may be part of it, don't take these minor symptoms lightly. I feel the reason God may have given women the lesser symptoms is because they pay attention to when their body tells them something is not right. Guys need the full on stabbing pain to the chest to get the point (cue awkward laughter).
5 - The risk of breast cancer is 30 percent higher in smokers than nonsmokers. Wait, smoking is bad for your overall health? Who knew? I'm being sarcastic of course but come on ladies...it's a no-brainer. Also, a little side note here...if you would like people to find you more attractive then drop the smoking. You don't look any cooler or prettier.
6 - Fiber helps reduce high blood pressure and cholesterol. It also helps you feel full on fewer calories. FIBER IS SOMETHING WE ALL NEED DAILY! There, I said it. Growing up, I thought fiber was that stuff old people needed to keep their bodily functions steady as they aged. I could not have been more wrong. Look at any good eating program and it's usually loaded down with good and healthy fiber options throughout your day. Don't ignore this important part of your daily food regime. You might make a few more trips to the bathroom but if the result is better blood flow, increased metabolism and weight loss then I say grab an extra magazine or two for your restroom breaks.
7 - Migraines happen to three times as many women as men. So ladies, guess what...saying "I've got a headache is a VERY legitimate reason (more awkward laughter).  If you have them, start keeping track.  Journal them.  When you have them, there may be a pattern that starts to emerge. Guess what the best way to fights migraine is...start handling it before it starts. Reasons could be food, stress, odors, too much or too little sleep, smoking, or good old hormonal fluctuations.
8 - Fighting fatigue. Fatigue strikes twice as many women as men. So while many women wear MANY hats and fill many roles this can lead to fatigue. Want to have a better chance of lasting out the day?
 - Try rising with the sun. While many of you may not be "morning people", getting up with the sun and avoiding that nasty snooze bar can set in better sleep patterns and gives your body a chance to get in sync with your busy life. Remember, Ferraris are finely tuned and require constant maintenance.
 - Snack attack. Get healthy snacks to much on through the day. Keeping that metabolism up all day is a good way to be sure you make it.
 - Exercise. Shocking right? Not really. Getting the heart pumping can make your metabolism crank way up and get you through some serious time where you might really want to slow down. Instead of giving in to that, take a short walk and see what happens.
 - Breathing. No, not the run of the mill stuff. Deep breathing. Deep cleansing breaths can go a long way to regain some vigor and also help you clear your head. It should be done for a few minutes when you feel fatigue coming on, but it may just help you make it over the slump hump.
 - Get OUT. Being outside for some fresh air might be exactly what the internal body ordered. Remember the Ferrari? You can't just let it sit in the garage. Sometimes you have to get it out and let it breathe.

Finally, I can't talk about women and their health without addressing one of the biggest fears most women have and that's about breast cancer. Every week people hear about a friend or relative who was just diagnosed. Maybe you went for a yearly exam and the doctor saw something "not quite right" (which always takes 2-6 weeks to get an answer...kill me now!). I am going to mention some basic myths and facts about breast cancer:
FACT - 1 in 8 women will develop breast cancer in their lifetime.
MYTH - If you find a lump, it's probably cancer. (CUE LOUD BUZZER NOISE). While a lump or thick spot on your breast or near your armpit is one possible sign of breast cancer, many times these lumps are non-cancerous. Worried about something you haven't seen or felt before? Go to the doctor and get it checked. Again, more often than not it's something non-cancerous.
MYTH - Most women who get breast cancer have a family history of it. This myth kind of set me back because it seems that often times in my insurance business I have talked to women who are worried about breast cancer because their grandmother had it and then their mom and even their older sister. They just knew their time was coming around. Truth is one one-fifth to one-third of women with breast cancer have a close relative with it. We can't change our genetic makeup but we can control some other factors that can be attributed to cancer. Things as simple as decreasing your weight drinking less alcohol could help prevent breast cancer. In fact, women who have 2-5 drinks daily have one-and-a-half times the risk for breast cancer as those who stay alcohol free.
MYTH - Breast cancer rates are increasing. Good news ladies, it's down to like 2 percent. Why the decrease? Interestingly it seems that it's because menopausal women are taking fewer hormones during this time. A 2002 study showed hormonal therapy increased the risk for breast cancer, and women in general listened and acted.

I have done my best with this and I hope you might find some of this information helpful. Most of the basic information came from goodneighborpharmacy.com. I added my own twist on it for you but there is a ton of good info on that site and many others.

As always, I try to add a video that goes along with my topic. Nike helped me out with this "Make Yourself" video. Sure, the ladies on here are athletes but they have to push themselves to do something just like we all do. I hope it inspires you in some small way.

Again, if you would like to add to this article or help me create another blog feel free to send me links and communicate with me so I can try to help the many who will read my blog. Thank you for reading this installment of "The Ramsay Bugle".
Please remember that I'm always a phone call (205-370-8453) or an email (gene@generamsay.com) away.  If you feel i can help your business or someone individually, I am here.