Some suggestions to keep you feeling toasty (of course, if you're the type who thinks 32 degrees is balmy, do the opposite):

* Wear thick clothes in layers. A half-inch of cotton will warm you as much as a half-inch of wool. A good, solid sweater of any material gives nearly as much comfort as a four-degree temperature rise.

* Put warmth where it counts. Wear boots with woolly socks. Indoors, keep hands warm by periodically running hot water on them. Wear a hat.

You might not feel cold, but at 32 degrees, a bare head can account for half your body's heat loss and can leave the rest of you feeling icy. The ears are also a prime area through which body heat escapes, so no attempt to protect the head and body from cold should omit the ears.

* Eat something every two hours. The best snacks for cold people are protein foods, because they provide slightly more heat than carbohydrates.

* Avoid tobacco, alcohol and caffeine. To warm up, sip decaffeinated coffee or soup.

Alcohol dilates blood vessels near the skin, which will make you feel warm, but it takes blood away from your vital organs where it's needed most when it's really cold.

* Move around more. At work, get up and move around, run errands, ask questions next door or walk the halls. Dr. Larry Bergland of the Pierce Foundation (which studies physiology), in New Haven, Conn., says, "Try tensing and relaxing muscles. If you are going outside, you'll find the wintry street temperatures less biting if you jog in place before you go out. Don't overdo and work up a sweat, however, or evaporation will leave you chillier than before."

* Tolerate cold. Blood vessels can be trained not to constrict so quickly. The secret is continued exposure. Outdoor sports also can help you indoors. After a weekend of skiing, a 66-degree office should seem less uncomfortable.