SCCSD Wellness

Newsletter

1

May 3, 2016 May is National Arthritis Month

2 Benefits Manager – Stefanie Verros Phone 293-2356

http://www.arthritis.org/Documents/Toolkits/Better-Living-Toolkit/Arthritis-Answers.pdf

3 Benefits Manager – Stefanie Verros Phone 293-2356

Financial Well-Being

Payday Loans

The ads are everywhere. They are on the radio, the television, the Internet, even in

the mail – enticing you with the promise of cash, fast! They go by many names such as payday loans,

cash advance loans, check advance loans, post-dated check loans, deferred deposit loans. But according

to the Federal Trade Commission, the nation’s consumer protection agency, regardless of their name,

these small, short-term, high-rate loans by check cashers, finance companies and others all come at a

very high price.

Here’s how they work: You, aka the borrower, write a personal check payable to the check

casher, aka the lender, for the amount you want to borrow PLUS the fee the lender is charging to

borrow the money. The lender gives you the amount of the check less the fee, and agrees to hold the

check until the loan is due, usually your next payday. But it’s the exorbitant fees that give these loans a

bad rap. The fees on these loans can be a percentage of the face value of the check, or they can be

based on increments of money borrowed such as a fee for every $50 or $100 borrowed. And while the

fees may seem like a small price to pay for instant cash, the fees can easily equal an interest rate of

400% or more. Additionally, the borrower is charged additional fees each time the same loan is

extended or “rolled over.”

Before you decide to take out a payday loan, consider some alternatives:

1. Consider a small loan from your credit union or a small loan company. Some banks may offer

short-term loans for small amounts at competitive rates.

2. Shop for the credit offer with the lowest cost. Compare the APR and the finance charge, which

includes loan fees, interest and other credit costs. You are looking for the lowest APR.

3. Contact your creditors or loan servicer as quickly as possible if you are having trouble with your

payments, and ask for more time.

4. Contact your local consumer credit counseling service if you need help working out a debt

repayment plan with creditors or developing a budget.

5. Make a realistic budget, including your monthly and daily expenditures, and plan, plan, plan.

The bottom line on payday loans: Try to find an alternative. A payday loan will never be your best

option. https://www.consumer.ftc.gov/articles/0097-payday-loans

For more information on payday loans or help with an alternative to payday loans, please contact Center

For Siouxland’s Consumer Credit Counselors at 712-252-1861, x 47. You can also visit our website

www.centerforsiouxland.org or find us on Facebook.

REMINDER: To access information on Health Benefits, EAP, Leaves, previous Wellness Newsletters, and HR info, go to the District website at the following address: http://www.siouxcityschools.org/?department=human-resources

4 Benefits Manager – Stefanie Verros Phone 293-2356

Don't Get Burned! How to Protect Your Body from Sun Damage

Sunburn doesn't just cause pain and redness. It can also cause long-term effects. Learn the risks and find out how to protect yourself.

Between the beach, the pool, and the weekend cookouts, you may be having too much fun to worry about sunburn - until that telltale stinging and redness set in. Sunburn isn't just painful - it's also bad for your health.

The dangers of sunburn The sun's rays contain two types of ultraviolet light. Ultraviolet A (UVA) causes tanning, aging skin, and wrinkles. Ultraviolet B (UVB) causes sunburn. Both can cause skin cancer. You can burn on sunny days, cloudy days, and cold days. The white sand on the beach and the white snow of winter both reflect the sun's rays. You can burn whether you're skiing on water or snow.

Signs of sunburn are redness and pain. You may also have swelling and blistering. A bad sunburn can lead to heatstroke and dehydration.

Long-term effects Every time you tan or burn, DNA damage builds up in the deeper levels of your skin. Having 5 or more burns over a lifetime doubles your chances of getting skin cancer.

Other side effects of tanning and burning include premature wrinkles and age (pigment) spots. Over time, the sun can age your skin, making it tough and leathery.

5 Benefits Manager – Stefanie Verros Phone 293-2356

Remember that your eyes can be affected, too. Too much sun can burn your corneas and lead to various eye diseases, including cataracts and age-related macular degeneration. These can cause vision loss.

The truth about sunscreen Wearing sunscreen doesn't always keep you from burning. No sunscreen can completely protect you from UV rays.

A sunscreen labeled "waterproof" or "water resistant" will not protect you all day. When you swim or sweat, reapply your sunscreen.

The UV index Your local news may broadcast daily UV index reports. The higher the index, the less time it will take to burn. Here is your risk for overexposure to the damaging UV rays. The number indicates the daily UV index, followed by the degree of risk. The higher the index on a given day, the greater the need to protect yourself.

0-2: low 3-5: moderate 6-8: high 8-10: very high 11+: extreme

Preventing sunburn Follow these prevention tips:

Use only water-resistant or waterproof sunscreen. It should protect against both UVA and UVB rays and have a SPF of at least 15. Reapply every 2 hours and after swimming or sweating.

Wear protective clothing when possible. Always include a hat and sunglasses. Limit sun exposure between 10 a.m. and 4 p.m. This is when UV rays are strongest. If your

shadow is shorter than you are, get out of the sun. Keep children in the shade and in protective clothing. Follow the same sunscreen rules for

them that you would for yourself. Don't use sunscreen on children younger than 6 months old. They should be kept out of the sun. If a child under age 1 gets sunburn, call your pediatrician right away. Also seek emergency care if a child of any age has a sunburn with fever, blistering, severe pain, or lethargy.

Be aware that water, snow, and sand all reflect UV rays and increase your chances for sunburn.

Treatment Cool wet compresses, soothing lotions, and cool baths may help relieve minor sunburn pain. Drink plenty of fluids. For serious burns, call your doctor right away. Medication may prevent infection and help with the swelling and pain.

RALLY

REMINDER: If you are on the District’s medical plan with UHC, you can earn up to $200 in gift cards for doing surveys, biometric screenings, missions, reaching fitness goals, health coaching and more. To start earning gift cards log on to myuhc.com, and register under the “Health & Wellness” tab.

Just wanted to tell you that I love the “Rally” program. It really has gotten me motivated. ~ Donna Walsh, Leeds Elementary

6 Benefits Manager – Stefanie Verros Phone 293-2356

Wellness Events around Siouxland

Walk with a Doc - Walks will be held every Wednesday beginning at 5:30 PM at the Unity Point - St. Luke’s Atrium located along Stone Park Boulevard. Each walk begins with a short presentation on the health benefits of a good walk. The physician-led walks will take approximately 45 minutes, but walkers are encouraged to walk whatever time and distance they prefer. Please visit www.unitypoint.org/siouxcity/classes-and-events.aspx for more information.

Kids Health and Safety Fair - Free Admission to kids’ activities, fun booths, car seat safety checks, and Mercy Air Care will be onsite. Food begins at 11:30 AM (while supplies last). Free T-shirts for first 100 kids to visit booths. Saturday, May 7, 2016 from 10:00 AM to 1:00 PM at the Long Lines Family Rec Center.

Susan G. Komen Race for a Cure - 5K and 1 Mile Run/Walk course is through Downtown Sioux City with the start and finish line at the Sioux City Convention Center. Sunday, May 8, 2016 starting 6:30 AM with T-shirt pick up and onsite registration. Please visit http://komensiouxland.org for further information.

The 2016 Siouxland Heart Walk - The Heart Walk is the American Heart Association’s premier event in the community. It promotes physical activity and heart-healthy living in a fun, family environment. Saturday, May 14, 2016 from 8:00 AM to 12:00 PM with registration and festivities at 8:00 AM and walk beginning at 9:00 AM at the Hilton Garden Inn. Please go to www.heartwalk.org for further information.

Bike to Work Week - There will be a variety of events planned for the entire week of May 16 -20. Each day that you bike to work you can be entered in a drawing for prizes. Make sure to email me each day during this week you bike to work, so I can get you entered into the drawing. Last year one of our own District employees, Sara Berntson, won a bike from Siouxland Cyclists. This year they will have the following events: Monday, May 16 - Bike tune up at Albrecht’s Cycle Shop

Tuesday, May 17 - Transit Dem on how to place a bike on a city bus

Wednesday, May 18 - SIMPCO Trail has open hours

Thursday, May 19 - Siouxland Cyclists Night Bike

Friday, May 20 - Bike to Work Day with morning breakfast at Albrecht’s Cycle Shop

HEARTS Support Group - Support group for parents who’ve lost a child due to miscarriage, stillbirth or infant death. This support group is for parents only. June 7, 2016 at 7:00 PM at Unity Point - St. Luke’s lower level. Please visit www.unitypoint.org/siouxcity/classes-and-events.aspx for more information.

List of Support Groups in Sioux City - http://www.mercysiouxcity.com/support-groups-484

Hy-Vee Wellness Events - Future Chefs’ Cooking Class: Ready, Set, ManGo! For ages 6 - 12 years old. Hands-on cooking class with mangos for $5 a kid. Saturday, May 14 from noon to 1:00 PM at the Hamilton Hy-Vee Club Room.

Teen Cooking Class: Tropical Paradise. For ages 13 to 16 years old. Hands-on cooking class with mangos for $8 per teen. Saturday, May 21, from noon to 1:00 PM at the Hamilton Hy-Vee Club Room.

Pre-registration and pre-payment is required for both events. For more information click on the following link: https://www.hy-vee.com/stores/calendar/calendar.aspx?s=153&m=4&y=2016

7 Benefits Manager – Stefanie Verros Phone 293-2356

8 Benefits Manager – Stefanie Verros Phone 293-2356

UnitedHealthcare Care24 Life is full of ups and downs. You may have health concerns, personal or family issues, or work-related challenges. But there's a resource that can help you sort through these matters—Care24. With Care24, you have access to licensed registered nurses and master's-level counselors through one toll-free phone number, 24 hours a day, 365 days a year for the following:

Family Health

Medication Safety

Stress Management

Illness and injury

Healthy Recipe – Potatoes with Turkey Bacon

Lean ingredients, like low-fat cheddar and turkey bacon, help keep this potato side dish low in fat.

Ingredients 5 medium potatoes

8 slices cooked turkey bacon, broken up

1 ½ teaspoons onion powder

2 teaspoons garlic powder

½ teaspoon salt (as desired)

½ cup shredded low-fat cheddar cheese

Preparation 1. Preheat oven to 350 degrees F.

2. Cut potatoes into ½-inch to ¾-inch cubes and place in large bowl.

3. Add all other ingredients (except cheese), and mix with a spatula

until coated evenly.

4. Place in a casserole dish, cover and bake at 350 degrees F for 40 to

45 minutes (until potatoes are tender).

5. Turn oven off, sprinkle cheese over top, replace cover, and let stand

in oven for 5 minutes until cheese melts. Serve warm.

For more receipes and health information, visit myuhc.com.

Nondiscrimination Statement

The Sioux City Community School District is an equal opportunity/affirmative action employer. It is an unfair or discriminatory practice

for any educational institution to discriminate on the basis of race, creed, color, sex, sexual orientation, gender identity, national origin,

religion, age (for employment), disability, socioeconomic status (for programs), marital status (for programs), or veteran status in its

educational programs and its employment practices. Inquiries or grievances may be directed to Jen Gomez, Director of Student

Services & Equity Education at 627 4th Street, Sioux City, IA 51101, (712) 279-6075, gomezj2@live.siouxcityschools.com.

Nutrition Facts Yield 4 servings Amount Per Serving

Calories 155 Fat 5 g Saturated fat 4 g Cholesterol 23 mg Protein 7 g Carbohydrates 23 g Fiber 3 g Sodium 251 mg

Call Care24 any time, 24 hours every day at

1-888-887-4114.