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Skin, Eyes and the SunMay is Melanoma/Skin Cancer Detection and Prevention MonthUse sunscreenChoose a sunscreen that contains both UVAand UVB protection. Look for the words"broad spectrum sunscreen" or ingredientssuch as micronized zinc oxide, titaniumoxide and avobenzene on the label.Wear sunscreen with a sun protection factor(SPF) of at least 15 whenever you go outdoors.It's best to apply sunscreen about 20 to 30minutes before going outside so your skin hastime to absorb it. You should reapply sunscreenoften, especially after exercising or swimming.Along with warmth and light, the sun alsoproduces ultraviolet (UV) radiation, which cancause sunburn, wrinkles, sunspots, cataractsand skin cancer, and probably contributes tomacular degeneration. The tan was once asymbol of health, but now has been shown to bethe result of exposure to dangerous UVradiation.According to the American Academy ofDermatology, most people don't use enoughsunscreen. The average-sized person needsat least one ounce -- about two tablespoons-- of sunscreen to cover his or her body.Protect your eyesAccording to the American Academy ofOphthalmology, the UV radiation in sunlightcan damage eye tissue.There are many ways to protect yourself fromskin cancer and other sun damage. Usingsunscreen, covering up and wearing sunglassesthat block UV rays will help you enjoy thesunshine safely.UV damage to the eye may cause snowblindness, cataracts and macular degeneration.Risk for damage is higher in environments wherea large quantity of UV radiation is reflected,such as in snow or water.Some UV radiation, however, is important forthe body to make vitamin D, which helps in theabsorption of calcium and phosphorus. TheWorld Health Organization says that 5 to 15minutes of sun on the hands, face and arms twoto three times a week during the summer isadequate for this.Sunglasses that provide 99 to 100 percentprotection from UVA and UVB rays are recommended. Be aware that darker-colored lensesdon't always protect your eyes better, a specialcoating makes the difference. To prevent sunlightfrom slipping in around the edges, wear closefitting sunglasses that wrap around.Continued on next page.

Continued from previous page.Studies show the sun exposure is greater whenit's reflected by water, snow or concrete, so usesunscreen and wear sunglasses even whilesitting under an umbrella.Cover upHere are more guidelines to protect your skin: Wear a hat with a brim that's at leastfour inches wide. Baseball caps don'tprotect your ears or neck. Wear protective clothing that coversyour neck, arms and legs. Fabrics with atight weave help block sunlight. Limit the amount of time you spend inthe sun between 10 a.m. and 3 p.m.Krames StaywellFor more information:www.melanomamonday.orgWater Play the Safe WayThe most important rule for having safe fun inthe water is "know how to swim." Lessons from aqualified instructor give your children the skillsthey need to help stay safe in the water. Callyour local American Red Cross chapter or YMCAto ask about -----------Pool Safety Rules Obey all posted rules. Dive only where diving is allowed.Dive only where the water is morethan nine feet deep and you have atleast 25 feet of clear water ahead. Ifyou don't know the depth, gentlyenter the water feet first; if youfeet don't touch the bottom, swimdown to determine the depth. Never jump on someone or pushsomeone into the pool. Never pretend someone is drowning.That can slow the time it takes toget help in an emergency. Obey the lifeguard. He or she isthere to keep you safe.River and Lake Safety Rules Swim only where swimming isLearning how to swim does not guarantee thataccidents won't happen. So be sure you and yourfamily observe the following rules.General Safety Rules Always swim with a buddy.Never drink alcohol before swimming.Don't swim in stormy weather.Don't chew gum in the water.Never swim in the dark. allowed and where you are familiarwith the water currents and depth.Don't swim where there is a strongcurrent. Currents can carry awayeven the best swimmers.Know your limits. Don't let otherspersuade you to do things you arenot comfortable doing.Don't dive into the water if you don'tknow how deep it is.Stay away from areas that arereserved for boats.Continued on next page.May 20122

Continued from previous page.Ocean Safety Rules Obey all posted rules. Learn what warning flags on the beachmean. Don't go into the water if a flagshows it is unsafe. If you get caught in a current, swimacross it, not against it. Follow a lifeguard's rules about how faryou can swim from shore.Special Tips for Parents Watch children at all times when theyare near water -- even in a wading pool. At pool parties, have adults take turns watching the children. That way, you willalways know that someone is watching thekids.If you have a pool, enclose it with a fenceand a locked gate. (The law requires this inmany states.) Remove toys from the area sothat kids aren't tempted to go near thepool. Hang signs with rules, such as "Noplaying in or around the pool unless anadult is present." Enforce the rules.Make sure baby-sitters know the safetyrules about swimming.Take a cardiopulmonary resuscitation(CPR) class.Check with your local American RedCross chapter or YMCA about special lifejackets for infants and children.Not so long ago, anxiety disorders didn't evenhave names. Some people ask if there's muchto them, or whether doctors and drugcompanies have just put labels on feelingspeople have always had.Yes, people have always had them, says KamiWhite, Ph.D., director of behavioral medicineat Boston University's Center for Anxiety andRelated Disorders. But for a long time, no oneknew those feelings could cross the line tobecome severe ailments that need treatment,says Dr. White. "The old adage was 'Oh, shejust has a case of nerves.'" The result: a greatdeal of needless torment.Krames StaywellChronic and relentlessIf Anxiety Takes Over, Seek HelpIf you open your front door and a tiger leaps atyou, it's normal to be afraid. But if you open thatdoor and find no tiger -- and you're still afraid -that's an anxiety disorder.Do you fear the tiger, or do you fear the fear?That's a key question with anxiety disorders, saysWandal Winn, M.D., of Anchorage, Alaska, a publicaffairs representative for the American PsychiatricAssociation.May 2012Anxiety disorders plague an estimated 19million U.S. residents, says the NationalInstitute of Mental Health (NIMH). Theseserious illnesses, "fill people's lives withoverwhelming anxiety and fear. Unlike therelatively mild, brief anxiety caused by astressful event such as a business presentationor a first date, anxiety disorders are chronic,relentless, and can grow progressively worse ifnot treated," the NIMH says.Continued on next page.3

Continued from previous page.But the line between a shy guy and one with socialanxiety disorder can be thin. These conditions canbe misdiagnosed, over-diagnosed or wrongly selfdiagnosed. That's especially true as drugcompanies promote a stream of medications totreat depression, anxiety and stress.According to NIMH, symptoms of a general anxietydisorder (GAD) include constant, exaggeratedworrisome thoughts and tension about everydayroutine life events and activities, lasting at leastsix months. A person with GAD always anticipatesthe worst even though there is little reason toexpect it. Other symptoms include fatigue,trembling, muscle tension, headache or nausea."There is more and more pressure to deal with thisat the primary physician's office, someone otherthan a mental health professional," says clinicalpsychologist Rudy Nydegger, Ph.D., a psychologyprofessor at Union College in Schenectady, N.Y."There's a tendency to diagnose quickly andprescribe quickly when the patient clearly is indistress."But Dr. Nydegger says, "Medication alone simplyalleviates some of the troubling symptoms.Medication alone doesn't deal with significantcauses or underlying causes."See your doctor firstThat's not to say someone with anxiety symptomsshouldn't first see the family doctor. Based on apatient's medical history and an exam, the doctorcan often tell that what the patient is goingthrough has a physical rather than psychologicalcause, or that it's a one-time thing.Medication may ease a panic attack, but it's notgoing to get someone with social anxiety disorder"back to the picnic," Dr. White says. "Ultimately,it's up to a doctor or a psychologist to get peopleback into the social world they've left."May 2012"Not everybody that has anxiety needs to be onmedication," Dr. Winn says. "In my practice, itmay be approaching 50-50." He says he's waryof medications because they can causepsychological or physical addictions or sideeffects - including anxiety.Several types of "talk therapy" can treatanxiety disorders."Medication isn't the first thing that comes tomy mind when I'm helping that person," Dr.Winn says. "The first thing is education.Anxiety tends to feed in the dark. If a personknows what he really has, that is a verypowerful antidote."Krames Staywell10 Ways to Cut Your Debt NowFor many, the decision to get out of debt ispreceded by weeks, months or possiblyyears of worry about these obligations. Butit's important to know that getting rid ofdebt can actually start with some very smallsteps and strategies that you can begintoday.Advice is a good first step. A meeting with aprofessional financial planner can help youinvestigate all sources of income and totalup all your obligations – most will make youbring all your bills with you – and tailor aplan that matches your needs andcircumstances. But in general terms, hereare 10 steps you should follow:1. Get a grip on the amount of debt youhave: You can't overcome a debt problemwithout knowing how much you owe.Continued on next page.4