Courtney McCormick, Dietitian at Nutrisystem, offers five low-carb swaps to keep you healthy and happy through the holidays:

1. Try veggies when you're craving a crunch. We're all guilty of lingering too long at the chips and salsa bowl at a holiday party. If you're craving something crunchy such as a pretzel or chips, try carb-conscious snacks with a crunch - brussel sprouts chips, kale chips, veggies such as cucumber, zucchini, and carrots - they pair wonderfully with a healthier dip such as low-fat ranch or hummus.

2. Sub in cauliflower for your favorite comfort foods. Do you love mashed potatoes, rice, pizza, and tater tots? If you've been avoiding these foods as part of your healthy lifestyle, cauliflower is here to help. This versatile veggie has recently become popular as a substitute for some of our favorite comfort foods. Mashed and steamed cauliflower have a texture and taste that is surprisingly similar to mashed potatoes - add a bit of salted butter and enjoy! And if you're not ready to go all in on the cauliflower craze just yet, McCormick recommends swapping out at least half the potatoes for cauliflower.

3. Mix your own dressings and condiments. Have you taken a close look at the nutrition facts on your favorite cranberry sauce? You might be shocked by the carbs and added sugars in dressings, sauces, and condiments, even those that appear to be "healthier" options. The best way to avoid sneaky carbs in your condiments is to make them at home. That way, you can control the ingredients and ensure they taste great.

4. Bring the healthy alternative to the holiday party. Where everyone else is hauling sugary cookies and cakes, dare to bring the delicious low-carb snack! Get creative with the presentation - use edamame hummus, pita, and slices of red pepper to make perfectly festive "holiday trees."

5. Don't drink your carbs. You've probably heard the saying, "don't drink your calories," before, but you shouldn't drink your carbs either. Toss the fruit juices and sodas for seltzer, unsweetened tea, and the original favorite, water. Light beer, spiked seltzer, or dry wines are good low-carb alcohol options if you're celebrating.

For more great tips and tricks on how to make the most of your holidays with healthy alternatives, visit leaf.nutrisystem.com.

The Modern Wine "Factory" 

Even under FDA regulations, US mass wine producers like many in California can include up to 70 additives in their wines. Colorings like "mega purple" or "ultra-red", synthetic fertilizers, tartaric acid, powdered tannins, and gum Arabic don't even have to be disclosed on the label. Once again, consider California wines: overall, many aim for consistency year after year. Mass producing wine in some parts of the world is more like a factory than a vineyard. Though there is something to be said for uniformity, a lot of the magic of winemaking is lost. It's no surprise that all-natural and organic wines are gaining popularity year after year. 

What's Old Is New Again 

Not all wine regions use these artificial tactics. Natural winegrowing and winemaking are not new to Bordeaux. Not only has this region been making wine naturally for centuries, they are literally required to do so. They believe in the art and science of maintaining the holistic health of the region as well as each individual estate's ecosystem. Only nature determines the wine. Artificial enhancement or even irrigation is forbidden.

In Bordeaux, it's more than just the law. It's a passion for winemaking methods passed down for hundreds of years. It all starts with the "terroir"- the soil and unique climate conditions where the grapes are grown. Vineyards on two sides of the same hill can produce vastly different characteristics.

"Every year nature provides wine makers in Bordeaux a fresh canvas," says sommelier and wine expert Joel Prato. "This relationship with nature is evident in the unique taste of each Bordeaux vintage." In a place like Bordeaux, the seasons also have a huge influence on the character of a vintage. Weather can make or break a year. For example, a 2013 Bordeaux is a rare sight as fluctuating weather conditions meant many vineyards didn't have a crop to bottle. Nature determines production, not factory settings. 

Making Music (and Wine) 

Making natural wine is not always easy. To combat the elements, innovative winemakers like Damien Landouar of Château Gaby are turning heads by introducing techniques like Genodics - playing music to the vineyards to boost their natural immunity. When you can't count on additives and chemicals, you have to be creative. His vines most likely have better taste in music than most people. 

Highly Rated, Naturally 

If you're new to natural wines from places like Bordeaux or want to try a highly rated vintage from the region, here are some recommendations:

Château Gaby (Canon Fronsac) - Grown on a 350-year-old vineyard, Château Gaby is truly Bordeaux's best-kept secret. This complex and well-structured merlot blend is ranked in the top 1 percent of all wines in the region by Vivino and given 92 points by Decanter Magazine.

Château Auguste Rosé (Entre-deux-Mers) - Step aside Provence. Bordeaux is making a statement with this organic rosé. Racy, precise, and light on its feet, Château Auguste celebrates strawberries and tangerines with bright minerality.

Château Moya (Côtes de Castillon) - A picture of elegance, smooth and balanced. Taste how good organic can be with Château Moya. Awarded 96 points by Jancis Robinson, this wine is a heavenly pairing for delicate cheeses and fresh, seasonal dishes.

Château Du Parc (Saint Émilion Grand Cru) - Château Du Parc is grown on older vines in an appellation known for its wine since the days of Ancient Rome. This broad-shouldered and spicy blend of Merlot and Cabernet Franc was given 94 points by James Suckling. Learn more at chateau-duparc.com.

The holiday season is a time to celebrate with friends and family. These good times of laughter and love are all natural. Shouldn't your wine be too?

Jocelyn Vasquez is living proof of those statistics.

At a young age, her parents instilled the belief that if you owned a home, you had achieved the American dream. That dream of homeownership carried a lot of weight for her Hispanic parents, who had immigrated from El Salvador in 1977.

Jocelyn turned the dream into an aggressive goal for herself:

"My goal, as a U.S. citizen, was to graduate college and get a house before turning 30," says Jocelyn. "And, I wanted to do it on my own."

To accomplish this, the Los Angeles, California resident made a roadmap for herself. She saved, attended college and kept her student loan debt as low as possible - all without burdening her parents.

After she graduated, Jocelyn got a job as a loan officer assistant. It wasn't until she had worked there for three years that she fully understood what was needed to qualify for a mortgage. The lightbulb went off when she realized, "I really could buy my own home someday."

That was when she got serious. Because California real estate is so expensive, Jocelyn got a second job. She earned her real estate license and worked part-time as an agent, determined to save all her commission checks for a down payment.

It took her three years to build her savings, pay off bills and get her debt-to-income (DTI) ratio low enough to qualify for a loan. (Many lenders don't want a borrower's debt to be greater than 45 percent of their gross income.) Once she achieved this, it was time to execute her plan.

Jocelyn searched for a house that was less than $300,000 - not an easy task in the Greater Los Angeles Area. She looked at 16 homes before she found a 2-bed, 2 ? bath townhouse, with a 2-car garage for $285,000. Even though it was perfect for her, she took the weekend to think it over before making an offer. Unfortunately, her hesitancy cost her. By Sunday night, the seller had already accepted an offer. Jocelyn was devastated.

"I felt so discouraged, I didn't know what to do," she admitted.

"After all my hard work and determination, I couldn't believe I had missed out on this house. But I told myself what I tell all my buyers, 'If it's meant to be, it will be.'"

It must have been meant to be: Five days later, Jocelyn got an alert on her phone informing her the house was back on the market - for $7,000 less. Jocelyn immediately called the seller's agent, who told her the first buyer had backed out of the deal because his truck didn't fit in the garage. This time, Jocelyn didn't hesitate to offer the new asking price of $278,000.

Jocelyn used conventional financing with private mortgage insurance, which allowed her to put down less than 20 percent. By saving diligently, she was able to make a five-percent down payment of $13,900. Her current monthly payment of $2,020 is exactly what she paid to rent her previous 1-bed, 1-bath, 640-sq.-ft apartment in downtown LA.

"This is the best investment I've ever made," says Jocelyn. "In the two years I've owned my home, its value has increased by almost 15 percent. It took a very long time, but I knew my plan would work eventually. And, I did it all on my own at age 28. My goal now is to help other Hispanic homebuyers realize the American dream of owning their own home."

For more first-time homebuyer stories, visit readynest.com.

1 According to Fannie Mae's 2018 National Housing Survey

As an older adult, the reasons for exercise change: benefits include helping to control chronic conditions such as hypertension and diabetes, strengthening muscles to prevent falls, and improving flexibility to maintain activities of daily living.

An added benefit? Regular exercise can help boost your mood and improve your overall sense of well-being. And, you'll make new friends! (Of course, always talk to your doctor before starting any type of exercise program.)

Where to look for a new exercise program? Start with your local fitness or community center. The key is finding activities that you enjoy. Some tips to get started:

- Follow your interests. Like to dance? Swim? Maybe yoga or Tai-Chi sounds appealing. There are fitness classes for every taste and ability level.

- Follow your friends. Going to a fitness class with a friend improves your motivation and if you're going it alone - here's your chance to make new friends!

- Listen to your body. Exercise doesn't need to be painful to be beneficial. Start slow and progress over time.

- Set goals. How often do you want to exercise? How hard? Develop a three- to six-month plan so you can measure your success.

But wait, there's more: Older adults who participate in group exercise programs report improved quality of life from the social aspect of group fitness. The group creates a sense of community that helps keep you motivated.

Social isolation, which often leads to loneliness, is common among seniors, but taking a fitness class can forge a bond that keeps people coming back for exercise and extends to socializing outside of class.

In a recent study of adults aged 65 years and older, researchers surveyed 46,564 participants in the SilverSneakers fitness program between 2010 and 2016 to determine how exercise improved their quality of life.

"Even though regular physical activity is important, well-being is about more than just exercise," according to Julie Logue, Training Manager at Tivity Health. "Through SilverSneakers, you can explore all kinds of fitness programs, socialization and nutrition programs to help you live your best life. We empower members to live healthier, happier, longer."

Older adults with more frequent visits to fitness centers who participate in SilverSneakers exercise programs report significantly fewer days when they felt physically or mentally unwell and rated their physical and mental health higher than those who participated less frequently.

Curious about more ways to stay motivated to get and stay fit? During open enrollment for health insurance between Oct. 15 and Dec. 7, enroll in a plan that offers SilverSneakers, which provides members with access to more than 16,000 fitness and community locations nationwide.

To check your eligibility and find a health plan that includes SilverSneakers, call 888-423-4632 or visit silversneakers.com.

Consider this: as with anything worth having, there are expenses and hassles associated with boat ownership that you may not even be aware of. But partial (fractional) ownership offers "all of the luxury and none of the hassle" according to the website of yacht co-op management company Saveene.

It works like this: The more fractions you purchase, the more yacht usage you can experience. For example, a 10 percent purchase equals approximately four weeks of yachting time each year; 20 percent entitles you to eight weeks, and so on.

For those who enjoy the periodical pleasure of luxury boating, fractional ownership is more cost-effective than sporadic charters, and has several other advantages:

- Predictability. Saveene fractional owners hold equity in the yacht and have the option to sell their fraction any time they like. Purchase as many fractions as you want, up to 10 fractions per yacht. When you choose your dates, contact Saveene and they will schedule and prepare your yacht for your arrival.

- Pampering. When you arrive at the marina, the yacht is clean, stocked, and safety-checked. Chart your course in advance, or allow your captain to create a memorable itinerary. Bring any food and beverages you choose, or Saveene yachts accommodate a chef or catering service.

- Peace of mind. With fractional ownership, you avoid many headaches associated with owning a boat outright, including maintenance, repairs, storage, transportation, and insurance. Saveene handles the business transactions of purchasing and selling the fractions as well when the time comes.

Saveene offers a range of options for yacht enthusiasts - a Sea Ray Sundancer for $19,995, a 36' Carver Mariner for a one-time fee of $ 39,995, a 64' Aicon for $89,980 or a combined usage of these for $69,985. All types are available at the same marina for viewing before making a purchase.

Sea Ray Sundancer: This 34-foot cruiser is ideal for families, and easy to maneuver along intercoastal waterways for boating, snorkeling, and dining at dockside restaurants.

Carver Mariner: This 37-foot boat features a fly bridge suited for parties, a home-size galley to accommodate larger food prep or catering, and a full entertainment center.

Aicon: The 64-foot yacht includes four full-sized cabins plus crew quarters to handle an extended excursion. All cabins include their own facilities and TV/DVD setups, and the yacht includes a collection of water toys for kids of all ages.

Want to go bigger? Saveene is also taking orders for an 85-foot Azimut yacht.

Other benefits include the opportunity to check out Saveene yachts for a risk-free trial and the ability to write off your fractional purchase on your taxes.

For more information about the benefits of yacht co-ownership, visit saveene.com.

"I figured if I was going to buy a house, I'd better do it sooner rather than later because prices just kept going up," explains Erin.

However, with only $7,000 in savings at the time, she felt she didn't have enough money for a down payment. But the timing became a dilemma for her. Should she wait to save more money for a house that would probably cost more in a year? Or, use all her savings to buy a house now - at the risk of leaving herself with no funds for a rainy day or future expenses?

The answer came when Erin visited the new home of a friend who had used a down payment assistance program to purchase her house. Her friend explained how down payment assistance programs give first-time homebuyers money to pay for a portion or all of their down payment, with some programs even helping with closing costs. 

Free money for eligible borrowers 

While there are more than 2,500 down payment assistance programs available throughout the country, Erin decided to apply for the same state-offered program her friend had used.

The program, called North Carolina 1st Home Advantage Down Payment, makes homeownership more affordable for state residents. It offers down payment assistance of up to 5 percent for FHA, VA and USDA loans, and up to 3 percent for a conventional loan. And because Erin had a decent credit score and met the program's income limit, she qualified.

Erin received down payment help in the form of a zero-percent, deferred second mortgage. As long as she doesn't sell or refinance the house for 15 years, her down payment assistance will be forgiven, meaning she won't have to pay it back.

Let the house hunting begin! 

Once Erin knew she was eligible for help with her down payment, she earnestly began her home search. She found a historical 3-bedroom, 1-bath home that was built in 1925. The price of the home was $152,000. She used conventional financing with private mortgage insurance because she was putting less than 20 percent down. With her 3-percent down payment assistance ($4,560), Erin successfully purchased her home in 2016.

"And, I didn't have to use all my savings!" says Erin. Plus, she's built up equity over the last two years due to home values going up.

Aside from the financial perks of owning her own home, Erin enjoys other benefits. "I've got so much more space for the money than when I was renting," says Erin. "And I like being a permanent part of the neighborhood and getting to know my neighbors."

For more homebuyer resources, visit readynest.com.

To find down payment assistance programs in your area, visit downpaymentresource.com/

First, as a cardiovascular physician I want to reinforce that no one should stop or alter their aspirin regimen before speaking with their doctor or health care provider. And second, I will help sort through the news and the research on this topic.

There are two main categories of patients who take a daily low-dose aspirin for cardiovascular (CV) event prevention: patients who have not yet had serious cardiovascular problems but may be at risk of having these problems AND patients who have already experienced serious cardiovascular problems like a heart attack or clot-related stroke. What the updated guidelines tell us is that certain individuals in the first category (have not yet had an event, often called primary prevention) may not need to continue taking aspirin due to the increased risks of bleeding outweighing the cardio-protection benefit. Whether or not you are one of these individuals in this category depends on your own personal risk factors, which is why it is important to consult your doctor who can help you understand the benefits and risks and what is best for your health.

For people in the secondary category - those who have already experienced a cardiovascular event - aspirin can be a lifesaver. Not only is it proven to help prevent another heart attack or clot-related stroke, aspirin is also one of the most extensively studied drugs in history. This is why aspirin remains the cornerstone preventative therapy for secondary prevention. In the United States, aspirin's professional label is approved for secondary prevention of a CV event.

Some of the media coverage around the new guidance was not clear on this crucial distinction. For those who have already experienced a heart attack, or clot-related stroke there is evidence that discontinuing an aspirin regimen without a doctor's guidance can increase the risk of another heart attack by 63 percent and a clot-related stroke due to a blood clot by 40 percent.

Cardiovascular disease is the number one cause of death in the United States, affecting more than 92 million American adults and causing about 2,200 deaths per day. That's one life every forty seconds. Each year 790,000 Americans alone will suffer from a heart attack, while another 795,000 will have a stroke.

Many factors can contribute to a person's risk of cardiovascular disease, including high blood pressure, high cholesterol and smoking - and almost half of Americans (47 percent) have at least one of these risk factors.

Clinical studies and cardiovascular professional guidelines have continued to support the lifesaving benefits of aspirin. Studies have found that an aspirin regimen under the direction of a doctor can help reduce the chances of a second heart attack by 31 percent and a second clot-related stroke by 22 percent.

Importantly, even though aspirin is the gold standard of preventative therapy for those who have experienced a heart attack, clot-related stroke, chronic stable and unstable angina, a stent placement (PCI) or open heart surgery (CABG), it may not be for everyone. Anyone who has questions about starting or continuing an aspirin regimen should talk to their doctor.

Aspirin is not appropriate for everyone, so patients should talk to their doctor before they begin an aspirin regimen. For more information on safe and responsible use of OTC medicines, visit www.KnowYourOTCs.org.

Disclosure: Dr. Gurbel is compensated by Bayer to advise on cardiovascular health issues.

Dr. Gurbel is the Director of Cardiovascular Research at Sinai Hospital of Baltimore, MD and Director of the Sinai Center for Thrombosis Research and Drug Development. He is also Professor of Medicine at Johns Hopkins University School of Medicine and Adjunct Professor of Medicine at Duke University School of Medicine.

Doctors and patient groups say it doesn't have to stay this way.

"Lung cancer is the leading cause of cancer death in men and women. Finally, we have a screening exam that will make a major impact and change the face of lung cancer for the future to a survivable cancer, not a death sentence," says Ella Kazerooni, MD, MS, chair of the National Lung Cancer Roundtable and Professor of Radiology and Internal Medicine at the University of Michigan.

Screening older current and former smokers each year with low-dose computed tomography or "CAT" scans is a cost-effective system proven to significantly reduce lung cancer deaths.

CT lung cancer screening exams for high-risk individuals are recommended by the American Cancer Society, the American Lung Association, the National Lung Cancer Roundtable, The U.S. Preventive Services Task Force, GO2 Foundation for Lung Cancer and many other medical and scientific organizations.

"After decades of having little to offer adults at high risk for lung cancer, we've entered a new era where we now have evidence that lung cancer screening saves lives, and new targeted therapies and immunotherapy are offering new hope to patients diagnosed with advanced lung cancer," says Richard Wender, MD, Chief Cancer Control Officer at the American Cancer Society.

"CT lung cancer screening is a game changer. We finally have a weapon to fight back against this terrible disease - if patients who need this screening get tested," says Debra Dyer, MD, chair of the American College of Radiology Lung Cancer Screening 2.0 Committee.

"Most lung cancers are not diagnosed until it is too late. This screening provides critical early detection that saves lives," says Carolyn Aldigé, founder and chief executive officer of the Prevent Cancer Foundation.

Insurance companies cover these exams with no copay for people 55-80 years of age with a history of heavy smoking who are current or former smokers. Medicare ends coverage at age 77. If you were a heavy smoker, meet the age specifications and stopped tobacco use in the last 15 years, you are covered.

However, unlike breast and colon cancer screening, if you are covered by Medicare, your health care provider must discuss the risk and benefits of a lung cancer screening CT exam with you during a "shared-decision making visit" before ordering your first screening CT.

Lung cancer care advocates urge those who think lung cancer screening can help them or a loved one to have that conversation with their doctor.

"Lung cancer screening is a proven, valuable tool in finding the number-one cancer killer at its most treatable, and even curable, stage," says Laurie Fenton Ambrose, Co-Founder of the GO2 Foundation for Lung Cancer.

For more lung cancer screening information, visit NLCRT.org and RadiologyInfo.org

Source: National Lung Cancer Roundtable (NLCRT.org)

So when Gunnar started having difficulty hearing at work and home, he did what he preaches to his clients: he attacked the problem and got a pair of hearing aids. Now as a hearing loss advocate, Gunnar offers the following tips to get your hearing in shape this fall.

* Be "present" with your hearing: Being present with your hearing means being aware of how you hear throughout the day. If your family members are complaining the TV is too loud, or if you're the one complaining that everyone else is mumbling, you may have a hearing problem that needs to be corrected.

* Get your hearing checked: At least once a year, you go to the doctor for a physical, or to get your eyesight checked. But when was the last time you got your hearing checked? Even if you're not having issues right now, just go and get a baseline to compare it to in the future.

* Preserve your current hearing: Noise-induced hearing loss is a problem that is completely preventable. If you work around a lot of noise, you need to use protection. If you go to loud concerts or enjoy firing up the leaf blower or lawnmower on the weekend, use protection. Remember, once you lose your hearing, it doesn't come back.

* Don't brush off tinnitus: If you have an annoying ringing or buzzing in your ears, especially when it's quiet, it may be tinnitus. Tinnitus and hearing loss often go hand-in-hand, so don't brush it off as a minor annoyance. Go see a hearing care professional and have it checked out.

Consider invisible hearing aids: If you need hearing aids but are worried people will judge you if they see you wearing them, know that invisible hearing aids such as the Phonak Lyric exist. They are 100 percent invisible and can stay in your ears for months at a time. A recent study even showed that Lyric relieves tinnitus faster than regular hearing aids, thanks to 24-hour amplification.

Not only did a whopping 84 percent of parents surveyed say they'd "welcome" such contributions to their 529 college savings plans instead of more traditional presents, according to new data from Fidelity Investments, but 33 percent have actually already asked for such assistance. 

And the other 51 percent? Maybe they're waiting for Santa to climb down their chimneys - the Tooth Fairy also makes house calls, it's said - or maybe they haven't heard about programs like the free online one at Fidelity that lets family and friends easily chip in to lessen the burden. Specifically, as the College Board reports, an average annual total cost (including tuition, fees, room and board) of $49,870 at private four-year colleges, $38,330 at out-of-state four-year public colleges, and $21,950 at in-state four-year public colleges. 

See full-sized image here.