Category Archives: Health is Wealth

Stopping a Pandemic

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“Cardiovascular disease kills more people each year than COVID-19 at its worst. We know how to prevent it. We just need the political will.” Tom Frieden

Although COVID-19 is the most aggressively reported pandemic of our lifetime, it is neither the deadliest nor the most preventable.

That distinction goes to cardiovascular disease (CVD), a pandemic so common it is invisible, so routinely lethal it seems normal, and so ingrained in the fabric of modern society it seems natural.

Every year, cardiovascular disease kills twice as many people, at a younger average age, as COVID-19 has at its worst, and since 2020, there’s been a surge in fatalities from heart disease and stroke in the U.S. And, cardiovascular disease is the leading cause of lower life expectancy among African Americans.

Some basics facts…in the first two years of the pandemic, COVID-19 killed nearly 900,000 people in the U.S., says Tom Frieden, M.D., chief executive, Resolve to Save Lives.

In those same years, heart attacks and strokes killed more than 1.6 million. Globally, COVID-19 killed more than 10 million people in the first two years of the pandemic; in the same two years, cardiovascular disease killed more than 35 million globally.

The leading drivers of cardiovascular disease related heart attacks and strokes are:

  • Tobacco use,
  • Hypertension,
  • Artificial trans fats consumption, and
  • Air pollution,

and all are preventable.

Related medical costs and productivity losses approach $450 billion annually, and inflation-adjusted direct medical costs are projected to triple over the next two decades if present trends continue.

Cardiovascular disease can be prevented

Tobacco

Tackling these killers—tobacco use, hypertension, artificial trans fat, and air pollution—doesn’t require making radical changes in society. Americans still very much lived in the same country after we reduced the number of fatal car crashes by outlawing drunken driving, promoted child development by eliminating lead in paint and gasoline, and prevented food poisoning through regulations making food safer. But it does mean regulating companies that sell tobacco and unhealthy foods and cause air pollution so that they are forced to share some of the costs of the enormous harms they cause.

The first priority is to end the epidemic of tobacco use. Once people start, especially those who start young, the addictiveness of nicotine in tobacco makes it extraordinarily difficult to stop. Although smoking rates are now at the lowest level ever measured in the U.S., more than 35 million adults still smoke tobacco, each day 1,600 kids try their first cigarette, and tobacco kills nearly 500,000 Americans every year.

The way to reduce smoking is to rally our collective will to do something about the problem. Increasing taxes on tobacco can save millions of lives by using high prices to suppress demand. Rigorous studies have proved that tobacco has a negative price elasticity: For every 10% increase in price, consumption declines by about 4% and by about 8% for children and lower-income groups. About half of that decrease is from people quitting and the other half from people cutting down on the number of cigarettes they smoke.

Sodium and Hypertension

The most important single step to prevent high blood pressure is to reduce your sodium consumption

Kaiser Permanente’s research has shown that it is possible to achieve 90% blood pressure control. Closely related, the World Health Organization (WHO) recommends consuming no more than 2 g of sodium per day (5 g/d salt). Unfortunately, the average salt intake globally is between 9 and 12 g/d.10. High sodium intake is the leading cause of hypertension and is responsible for 2.3 million deaths per year.

Reducing sodium intake reduces blood pressure which in turn lowers cardiovascular disease risk.

Artificial trans fats

Artificial trans fat is a harmful compound that increases the risk of heart attack and death. It can be eliminated and replaced with healthier alternatives without altering taste or increasing cost.

Artificial trans fat is estimated to cause 540,000 deaths every year, globally. Elimination of artificial trans fat has substantial health benefits. Eliminating the use of artificial trans fat in foods in Denmark reduced deaths from cardiovascular disease. In New York State, people living in counties with artificial trans fat restrictions were 6% less likely to be admitted to the hospital after suffering a heart attack or stroke.

Air pollution

Cardiovascular disease stubbornly remains the leading cause of preventable death in America and globally. Political will to combat this silent pandemic and public education are the two best remedies.

References:

  1. https://www.nejm.org/doi/pdf/10.1056/NEJMp1110421
  2. https://www.wsj.com/articles/stopping-a-pandemic-deadlier-than-covid-11648220259
  3. https://www.ahrq.gov/workingforquality/about/agency-specific-quality-strategic-plans/nqs2.html

Small Rewards Work Best for Exercise

Micro rewards increase gym visits by 16%. Combine a few successful strategies, such as:

  • Set a reasonable workout schedule
  • Add reminders on your phone
  • Plan small rewards for keeping to your schedule and also for going back to the gym if you miss a plan workout.

One in Sixty Rule — It means that for every 1 degree an aircraft veers off its intended course, it misses its target destination by 1 mile for every 60 miles it flies. Further you go, further away from your goal or destination you get. It is true in life too.

The Power of Visualization

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“Successful people, such as professional athletes and other top performers, have used visualization techniques to visualize their desired outcomes for ages.”

Visualization is one of the most powerful tools you can use to accomplish any goal you set for yourself. Visualization can be applied to help you improve your performance and be successful in all aspects of your life.

Visualization works because when you visualize, your mind and body don’t really know the difference between what you visualize and reality. When you visualize your goal, you create the thoughts, focus and energy that will help to pull that goal towards you.

The Power of Visualization.When you visualize, your body and mind react as if they were true. Many people believe that when you believe something to be true, you attract it to you – you make it true.

However, believing something to be true doesn’t necessarily make it happen. For many people taking action is challenging due to lack of confidence or a lack of belief in their goal. Visualization, because it taps directly into these emotions, can strengthen your belief in yourself, in your abilities and in your goals.

Additionally, visualization helps paint the scene so you can better plan and prepare for success. When you visualize your success as reality you can also visualize your path to get there.

Before taking the stage to speak to a large audience, Matt Mayberry, Maximum Performance Strategist and a former NFL linebacker, always picture himself giving the “perfect” speech. He would begin weeks in advance by picturing the audience and the positive reaction from the crowd. 

Top performers, among many others, have mastered the technique of positive visualization and openly credit it as a success tactic. Practice makes improvement. Practicing visualization isn’t just a fun exercise – the better you become at visualization the faster you will achieve the success you desire.

When you think of a big goal or dream that you want to achieve, it’s natural to think of all of the obstacles that will come your way. 

All top performers, regardless of profession, know well the importance of and consistently practice of picturing themselves succeeding in their minds before they actually do in reality. It is extremely effective when harnessed and used correctly.

“The key to effective visualization is to create the most detailed, clear, and vivid a picture to focus on.”

Research shows that the more you focus on the things you desire, the better chance you have at getting them. For example, struggling comedian and actor, Jim Carrey used to picture himself being the greatest actor in the world. When Carey was still a “wannabe” during one of his appearances on “The Oprah Winfrey Show”, he spoke about his early days trying to make it in the entertainment business. He was broke and had no future. But he took a blank check and wrote out $10 million dollars to himself for acting services rendered and dated it five year in the future.

Subsequently, he carried that check in his wallet at all times and looked at it every morning, visualizing receiving $10 million. Five years after he wrote the check to himself, he found out that he was going to earn $10 million from the movie “Dumb and Dumber.”

Consider two other examples:

  • Boxing champion and legend Muhammad Ali was always stressing the importance of seeing himself victorious long before the actual fight. 
  • Michael Jordan always took the last shot in his mind before he ever took one in real life.

As the examples demonstrate, you to can visualize and create an image of what you most desire. You create a detailed mental scene of what it looks like as you achieve your goal. Visualize it happening now, and the scene that is playing out.

There is a big difference in imaging your goals and making them feel so real your mind believes it has already happened. The more you surround yourself with imagery or words related to your goal, the more real it will become to you.

To make any habit stick, you need to continue to do that habit. The same goes for visualization, the more you practice the quicker you will be in the frame of mind that helps pave the way to success.

Visualization is extremely powerful in helping you achieve success and realize your goals. However, you will still need to put in the hard work and dedication. Don’t forget to repeat, repeat, repeat!

  • Picture yourself victorious – If you can’t see it, then it’s not going to happen. In order to achieve your biggest goals and dreams, you have to picture yourself victorious. You have to look beyond your current circumstances and past failures. While visualizing, it’s necessary to visualize as many details as you can. Re-create any feelings that are in alignment with your dreams. Make it part of your daily routine. You will be amazed at the improvement in your life and astounded when your dream is realized.
  • Create a vision board. – A vision board gives you the opportunity to actually see your goals. This vision board can be a poster board, a piece of paper, the back of a cardboard box, or anything. On the vision board, put pictures that illustrate what you desire in your life. On your vision board, you can also post quotes that embodied what you want and read them every single day.
  • Utilize the power of a trigger card – Your biggest goal and dream can be placed on a note card to serve as your trigger card. From your 3×5 index cards, read daily the goal you desire most. Get in the habit of doing this every day. Each morning and each night, read those index cards, close your eyes, and imagine yourself accomplishing and following through on that major goal of yours.

Get in the habit of putting together a positive vision into your everyday life. Visualize yourself succeeding, achieving every goal, accomplishing every task. The key is to make your positive vision stronger than anything that can set you back. The more vivid you can get, the better it will work for you. Start thinking of your personal goals in life. Spend about 10 to 15 minutes picturing yourself achieving each one.

Get as detailed as possible. Picture what you will do once your goal is reached. How amazing does it feel? How will this change the course of your life? Remember, the little details increase the likelihood of the big picture.

It’s important to understand that visualization alone isn’t enough. But, it is an integral part of the process of you becoming the best version of yourself. That’s the power of visualizing your dreams. That’s the power of dreaming. That’s the power of relentlessly believing and working toward your vision every single day.

If you can’t visualize yourself being extremely successful, dominating your profession, and running a phenomenal business, then chances are you never will.

References:

  1. https://www.entrepreneur.com/article/242373
  2. https://www.selfgrowth.com/articles/How_Visualization_Creates_Wealth_and_Success.html
  3. https://www.mbswithcalie.com/visualization-for-success/
  4. https://www.entrepreneur.com/article/283241
  5. https://www.entrepreneur.com/article/242373

Gratitude Rewires Your Brain

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Gratitude is good for your mind and body. A healthy mind = a healthy body.

Research shows that gratitude and kindness not only lifts your spirits and warms your hearts, but, it can also aid in fighting off, healing and sometimes even curing illnesses.

Acts of kindness and feelings of gratitude flood your brains with a chemical called dopamine.

When you are truly grateful for something (or someone) your brains reward you by giving you a natural high. Because this feeling (or natural high) is so good, you are motivated to feel it again and become more inclined to give thanks, to show appreciation and to do good for others.

Research on gratitude benefits shows that these neurological effects open the doors to many health and emotional well-being benefits.

Additionally, in the hypothalamus, which is the part of your brain that regulates a number of your bodily functions including your appetites, sleep, temperature, metabolism and growth, a 2009 National Institutes of Health (NIH) study showed that your hypothalamus is activated when you feel gratitude, or display acts of kindness.

This research on gratitude means that your existential bodily functions operate better with grace. That is a powerful thought.

References:

  1. https://www.consciouslifestylemag.com/benefits-of-gratitude-research/

Brain-Changing Benefits of Exercise

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“The key to a happy life . . . is a healthy brain.” Wendy Suzuki

Exercise is the most transformative thing that you can do for your brain, says neuroscientist Dr. Wendy Suzuki, professor of Neural Science and Psychology at New York University.

Dr. Suzuki discovered through research and self examination that there is a biological connection between exercise, mindfulness, and action. With exercise, she believes that your body feels more alive and your brain actually performs better.  And, Dr. Suzuki states that “you can make yourself smarter. Exercising is one of the most transformative things you can do to improve cognitive abilities, such as learning, thinking, memory, focus and reasoning — all of which can help you become smarter and live longer.”

The way exercise boosts your brain health includes:

  1. It decreases feelings of anxiety – Studies have shown that every time your move your body, a number of beneficial neurotransmitters, including dopamine, norepinephrine, serotonin and acetylcholine, gets released into your brain. These substances can decrease feelings of anxiety and depression. And, It only takes between 10 and 30 minutes of daily physical activity to instantly lift your mood.
  2. It improves your focus and concentration – A single workout can help improve your ability to shift and focus attention. This is an immediate benefit that can last for at least two hours after 30 minutes of exercise. Activities that increase your heart rate, such as brisk walking, running, swimming, cycling, playing tennis or jumping rope are recommended.
  3. It promotes the growth of new brain cells – One of the most significant benefits of exercise, scientists have found, is that it promotes neurogenesis, or the birth of new brain cells. This is essential to improving cognitive function. Exercise also can improve the health and function of the synapses between neurons in this region, allowing brain cells to better communicate.
  4. It protects your brain from aging and neurodegenerative diseases – Imagine your brain as a muscle: the more workout you put into it, the stronger and bigger it gets. Longitudinal studies in humans suggest that regular exercise can increase the size of the hippocampus and prefrontal cortex, both of which are susceptible to neurodegenerative diseases such as dementia and Alzheimer’s. So while exercising won’t completely prevent or cure normal cognitive decline in aging, doing it consistently can help reduce or delay the onset of it.

So, get up and start your brain transformation journey.

Dr. Suzuki encourages people to get active and go to the gym since the science clearly demonstrates how working out boosts your mood and memory — and protects your brain against neurodegenerative diseases like Alzheimer’s.

To get the brain-changing benefits of exercise, you should do at least three to four 30-minute workout sessions a week, explains Dr. Suzuki. You’ll also get the most benefits out of aerobic exercise, which increases the heart rate and pumps more oxygen into the brain.

Essentially, exercise can improve your brain functions today and protect your brain from neurodegenerative diseases as you age.

References:

  1. https://www.wendysuzuki.com
  2. https://www.psychologytoday.com/us/blog/prime-your-gray-cells/201108/happy-brain-happy-life
  3. https://www.amazon.com/Healthy-Brain-Happy-Life-Everything/dp/B01LTHXL7Q/ref=nodl_

Financial Literacy Education

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Financial literacy, quite simply, is a prerequisite for financial freedom. Financial Times

Fixing economic, income and wealth inequality across the nation and globe remains a Herculean task. But, by emphasizing basic financial literacy education — to boost budgeting skills, debt knowhow and investment knowledge— need not be. And basic financial understanding can make a vast difference — not just to economically disadvantage communities, but to anyone in virtually any circumstance.

The correlation between high levels of economic and financial inequality and low levels of financial literacy and understanding is one of the starkest. The problems are worsened by low levels of knowledge about how debt interest is calculated, how it compounds and how to mitigate risk or budget effectively.

From the 2014 S&P Global FinLit Survey, only a third of the world’s population were deemed financially literate, according to analysis by the World Bank.

Financial literacy education, done right, can be a source of emancipation for the economically disadvantaged seeking a way out of deprivation.

Targeted at the young, in particular, it can lay down vital foundations for future prosperity and teaching them about risk and investment opportunity. One of the big reasons to target young people is that later in life they become much harder to reach.

Too many children think money grows on trees. They don’t realise that they have to budget all this money as they get older, they’ve got to pay these bills. FinLit should be one of the things that’s taught to prepare the young for the real world.

“Narrowing the financial literacy gap is crucial for narrowing the wealth gap. But financial literacy clearly needs a boost across the social strata too”, says Aimée Allam, executive director of FT FLIC.

The best investment you can make is in yourself and in your financial education. It’s the obvious starting point to building wealth and achieving financial freedom. And, here are seven reasons:

  • Provides dividends for life that nobody can ever take from you.
  • Increases your earning potential.
  • Increases your return on investment.
  • Improves the quality of your life and finances.
  • Secures your retirement.
  • Defends your portfolio from unnecessary losses.
  • Provides peace of mind around money.

To ensure you become financially free, take the income you think you’ll need in retirement and multiply it by 20. That’s what you need to put away in order to live off the interest without touching your principle.

Determine how much risk tolerance you have as you look to compound the money you’ve set aside for retirement. the billionaire’s secret, whereby they get Risk/Growth-like returns with assets that would fall in the Security asset class. The wealthy risk very little and expect substantial returns.

References:

  1. https://www.ft.com/content/80480742-9853-4144-9c91-238021414bc8
  2. https://financialmentor.com/financial-advice/financial-education-best-investment/13173

Wealth and Financial Freedom Mindset

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A major factor regarding effectively managing your money and achieving financial freedom is maintaining a positive and confident mindset. Maintaining a positive growth mindset takes effort and knowledge. Here are some ways to start thinking about financial matters and building wealth:

Focus On What You Want – And Take It! So many people are too timid to admit they want something and go for it. When there is something that you want to accomplish don’t think “I could never actually do that”, think “I could do that and I WILL do that”. Play to win, not to avoid defeat.

This doesn’t mean to have to become a selfish jerk. What it means is becoming more assertive and honest with yourself. You don’t have to grab off other people. There is a big pot of unclaimed gold in the middle of the table — why shouldn’t you be the one to claim it? You deserve it!

Confront closely-held beliefs. Spend some time dissecting and understanding the previously-held beliefs you have about money. You learn a lot about money from your family at a young age—either that money is good or money is evil, for example.

Some people may grow up believing that money is a scarce resource, while others understand money as a tool. There are many numbers of qualities that get assigned to money that are not objectively true.

If you have major fear or shame regarding money, you may want to consider working through these emotions with a financial therapist. Your feelings are valid—but that doesn’t mean you have to live with them.

Integrate affirmations into your daily routine. You may find affirmations to be a grounding part of your day. For example, affirmations such as “I am worthy of wealth,” “I am capable of managing my money,” and “There is money out there to be made by me” could act as helpful reminders that you are in charge of your money and not the other way around.

To develop a positive mindset and to become a person who is “good with money”, it is essential to understand that achieving financial freedom and accumulating wealth is a journey. So, consider taking it step by step. Start by building familiarity with your financial situation, and look for small ways to improve it and make it better every day.

Don’t Spend Your Money – Invest It. The reason you need to save your money is to grow it by investing it for the long term. Millionaires tend to be frugal people, and that’s because they know the true value of money is in investing. Being your own boss goes hand-in-hand with building wealth. You’ll want to quit your regular job at some point.

Bottomline is to stop working for your money and invest, which puts your money to work for you.

Rather than buying yourself a new iPad, that $500 could be used to invest in the stock market. Find the right shares (more on that later), and that money could easily double within a year.

References:

  1. https://www.lifehack.org/articles/money/develop-millionaire-mindset-6-easy-steps.html
  2. https://www.sofi.com/learn/content/am-i-bad-with-money/

Healthy Aging and Eating

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“Making a plan to eat healthy can keep you healthy and active for longer.” National Institute on Health

“Aging—not cancer or heart disease—is the world’s leading cause of death and suffering. In spite of this, we accept the aging process as inevitable”, writes Dr. Andrew Steel, longevity expert and author of “Ageless: The new science of getting older without getting old“.

Dr. Steel suggest a list of proven life-extenders, such as don’t smoke, exercise, get vaccinated, take care of your teeth.

Strauss Zelnick, author of Becoming Ageless, and who successfully rejuvenated his metabolic health believes that, “You can eat to be younger.” He implores his readers to focus on what He calls “Forever Fuel.” He suggests that you do not have to forego eating your favorite foods; you’re just getting the best versions of them.

  • Unlimited Foods—Lean Protein, Salads, and Vegetables—eat as much as you want. I love bison, light tuna, chicken, eggs, grass-fed beef.
  • Limited Foods—Some fruits and dried fruits, nuts, and cheese—in moderation.
  • Highly restricted foods—no processed foods, fried foods, or added sugars. Processed foods account for 70% of the calories that Americans take in. They don’t just make you fat; they age you.

While humans wither and become frail after a mere seven or so decades, capturing the trait known as ‘negligible senescence ‘ has become the holy grail of aging research. A 2015 study, published by the Mayo Clinic, found that using a combination of existing drugs reversed a number of signs of aging, including improving heart function”, according to the Guardian.

Dr. Sanjay Gupta, Chief Medical Correspondent for CNN, adds that, “During medical school we were taught that aging is a natural process and that people can simply die of old age. The thinking was that age wasn’t just a turning of the clock but an accumulation of mutations, cancer, arthritis, heart disease and dementia. Have you ever wondered, however, if it was possible to address those diseases not just individually, but collectively, by addressing the underlying process of aging itself.”

The role of carbs and added sugars

When you have sugar molecules in your system, they bombard the body’s cells like a meteor ­shower—glomming onto fats and proteins in a process known as glycation. This forms advanced glycation end products (AGEs), which cause protein fibers to become stiff and malformed. The connective-tissue damage and chronic inflammation resulting from sustained high blood sugar can lead to debilitating conditions, such as cataracts, Alzheimer’s, vascular tightening, and diseases of the pancreas and liver.

From a dietary standpoint, forswearing white sugar, high-fructose corn syrup—which studies have shown increases the rate of glycation by 10 times, compared with glucose—and simple carbs is a no-brainer. “Even though all carbs get converted into sugar, when you eat the good ones, like brown rice and whole-grain bread, you get less glucose, and you get it more slowly,” Karcher says.

Carbohydrates (Carbs) — like fiber, starches, and sugars — are important for your health. They are your body’s main source of energy and are a basic nutrient your body turns into glucose, or blood sugar, to make energy for your body to work. But eating too many carbs can cause your body to store the excess as fat.

The fruit, vegetables, dairy, and grain food groups all contain carbohydrates. Sweeteners like sugar, honey, and syrup and foods with added sugars like candy, soft drinks, and cookies also contain carbohydrates.

You should try to get most of your carbohydrates from fruits, vegetables, dairy, and whole grains rather than added sugars or refined grains.

Nutrients like protein, carbohydrates, and fats can help you stay healthy as you age.

Many foods with carbohydrates also supply fiber. Fiber is a type of carbohydrate that your body cannot digest. It is found in many foods that come from plants, including fruits, vegetables, nuts, seeds, beans, and whole grains. Eating food with fiber can help prevent stomach or intestinal problems, such as constipation. It might also help lower cholesterol and blood sugar.

A very low-carb diet, like keto, triggers your body into nutritional ketosis. This stored energy is released in the form of chemicals called ketones. Your liver starts to make ketones — a fuel that kicks in when your body uses up glucose and glycogen, and doesn’t have enough sugar to run on. It does this by breaking down the energy reserves stored in fat. 

These chemicals, ketones, help cells—especially brain cells—keep working at full capacity. Some researchers think that because ketones are a more efficient energy source than glucose, they may protect against aging-related decline in the central nervous system that might cause dementia and other disorders.

Ketones also may inhibit the development of cancer because malignant cells cannot effectively obtain energy from ketones. In addition, studies show that ketones may help protect against inflammatory diseases such as arthritis. Ketones also reduce the level of insulin in the blood, which could protect against type 2 diabetes.

But too many ketones in the blood can have harmful health effects.

While there’s insufficient evidence to recommend any type of calorie-restriction or fasting diet. A lot more needs to be learned about their effectiveness and safety, especially in older adults. In the meanwhile, there’s plenty of evidence for other actions you can take to stay healthy as you age:

  • Eat a balanced diet with nutritious food in moderate amounts. Avoid or limit consuming refined sugars and carbs, and processed foods.
  • Engage in regular physical exercise (150 minutes per week).
  • Drink alcohol in moderation or not at all.
  • Don’t smoke or take illegal drugs.
  • Maintain an active social lifestyle and build close relationships.
  • Get a good night’s sleep.

Finally, older adults may have different vitamin and mineral needs than younger adults. Find recommended amounts and information on calcium, sodium, vitamin D, and more.

“People are living longer, staying healthier longer and accomplishing things late in life that once seemed possible only at younger ages.” –David Brooks, The New York Times

The American Heart Association recommends no more than six teaspoons of added sugar a day. The sugar found in whole foods like fruits and veggies, says Kimber Stanhope, PhD, a nutritional biologist at the University of California, Davis. “These naturally occurring sugars come packaged with good-for-you vitamins, minerals, fiber, and other nutrients.” Eliminating or reducing your intake of added sugar and carbs can result in you gaining some significant healthy aging benefits, according to the American Heart Association.

References:

  1. https://www.webmd.com/diet/ss/slideshow-what-happens-when-you-stop-eating-carbs
  2. https://andrewsteele.co.uk/ageless/
  3. https://www.amazon.com/Becoming-Ageless-Secrets-Looking-Feeling/dp/1940358175/ref=nodl_
  4. https://www.dexafit.com/blog2/10-ways-to-improve-your-metabolic-health
  5. https://www.elle.com/beauty/makeup-skin-care/tips/a2471/sugar-aging-how-to-fight-glycation-614621/
  6. https://www.nia.nih.gov/health/calorie-restriction-and-fasting-diets-what-do-we-know
  7. https://www.nia.nih.gov/health/important-nutrients-know-proteins-carbohydrates-and-fats
  8. https://www.msn.com/en-us/health/nutrition/scientist-reveals-tips-for-slowing-down-the-aging-process/ar-BB1fWqe4
  9. https://www.theguardian.com/science/2021/jan/03/observer-magazine-do-we-have-to-age-biologist-andrew-steele
  10. https://www.heart.org/en/healthy-living/healthy-eating/eat-smart/nutrition-basics/carbohydrates

Calculating Net Worth

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Calculating net worth involves adding up all your assets and subtracting all your liabilities.  The resulting sum is your net worth.

The value of your primary residence is not included in your net worth calculation.  In addition, any mortgage or other loan on the residence does not count as a liability up to the fair market value of the residence.  If the loan is for more than the fair market value of the residence (i.e., if your mortgage is underwater), then the loan amount that is over the fair market value counts as a liability under the net worth test.

Further, any increase in the loan amount in the 60 days prior to your purchase of the securities (even if the loan amount does not exceed the value of the residence) will count as a liability as well.  The reason for this is to prevent net worth from being artificially inflated through converting home equity into cash or other assets.

The following table sets forth examples of calculations under the net worth test for being an accredited investor:

Accredited Investor table

References:

 

Emotional Well-Being

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“Love and meaningful relationships are vital to physical and emotional well-being.” Deepak Chopra

Many people fail to understand that emotional well-being has potential to affect your overall health and well-being. In fact, mental and emotional stress can translate into adverse physical reactions, a weakened immune system, and overall poor health outcomes.

It is natural to feel stress, anxiety, grief, and worry during and after a disaster or pandemic. Everyone reacts differently, and your own feelings will change over time. It’s important to take notice and to accept how you feel.

Taking care of your emotional well-being during an emergency will help you think clearly and react to the urgent needs to protect yourself and your family.

Self-care and being proactive during an emergency will help your long-term healing.

Look out for these common signs of distress:

  • Feelings of fear, anger, sadness, worry, numbness, or frustration
  • Changes in appetite, energy, and activity levels
  • Difficulty concentrating and making decisions
  • Difficulty sleeping or nightmares
  • Physical reactions, such as headaches, body pains, stomach problems, and skin rashes
  • Worsening of chronic health problems
  • Increased use of alcohol, tobacco, or other drugs

It’s vital for you to learn how to manage your stress and take the action to improve your mental well-being. You can take the following steps to cope:

  • Take care of your body– Try to eat healthy well-balanced meals, exercise regularly, and get plenty of sleep. Avoid alcohol, tobacco, and other drugs. Learn more about wellness strategiesexternal icon for mental health.
  • Connect with others– Share your concerns and how you are feeling with a friend or family member. Maintain healthy relationships, and build a strong support system.
  • Stay informed– When you feel that you are missing information, you may become more stressed or nervous. Watch, listen to, or read the news for updates from officials. Be aware that there may be rumors and misinformation during a crisis, especially on social media. Always check your sources and turn to reliable sources of information like your local government authorities.
  • Avoid too much exposure to media and news– Take breaks from watching, reading, or listening to news stories. It can be upsetting to hear about the crisis and see images repeatedly. Try to do enjoyable activities and return to normal life as much as possible and check for updates between breaks.

References:

  1. https://emergency.cdc.gov/coping/selfcare.asp
  2. https://austinblog.heart.org/october-is-emotional-wellness-month/

Emotional Well-being: College Student Mental Health

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Improving the lives and futures of young adults by strengthening connections and building resilience.

Mental health continues to be a major concern on college campuses around the world, according to new research published by the American Psychological Association.

The research reveals that the prevalence of depression and anxiety in young people continues to increase, now reaching its highest levels, a sign of the mounting stress factors due to the convergence of the coronavirus pandemic, political unrest, and systemic racism and inequality. 

Additionally, researchers from the World Health Organization found that a staggering 35 percent of first year college freshmen struggled with a mental illness. The most common mental illness observed was major depressive disorder, with 21.2 percent of respondents experiencing lifelong symptoms, followed by general anxiety disorder, which affects 18.6 percent of students.

When it comes to suicide in particular, the American Academy of Child and Adolescent Psychiatry points to data showing that by 2018, suicide was the second-leading cause of death for people between the ages of 10 and 24.

And, since 2014, anxiety and depression have been college students’ leading mental health issues, according to research conducted by Boston University.

According to the most recent Healthy Minds Study, which surveys tens of thousands of college and university students across the U.S., 41% of all students screened positive for depression over the spring semester, and 34% screened positive for anxiety. They are the highest levels observed by the study. However, this year’s results are part of a steadily increasing trend, and students surveyed said that while the pandemic impacted their mental health, it wasn’t the root cause.

Help is on its way

RADical Hope is a nonprofit committed to improving the lives and futures of young adults by strengthening connections and building resilience. The RADical Hope movement is two-fold: educate all constituents of the college community the warning signs and implore them to take action. And, help to identify students who need help but are not able to ask for it.

RADical Hope wellness program, RADical Health, attempts to empower and equip college students with tools to stay well and stay resilient dealing with the day-to-day challenges of life on college campuses. Their strategy is to utilize proven effective techniques and procedures to counter the accelerating rise in college student anxiety and depression.

RADical Hope is currently partnering with ten colleges and universities to develop, identify and partner with frontline engagement programs that deliver three priorities: Connectivity, Engagement, Empowerment.

And, reaching college-age kids is vital. “64% of kids who drop out of college do so because of mental illness,” says Ken Langone, Co-Founder of Home Depot, who adds, “Our purpose [for RADical Hope] is to identify the kids who aren’t reaching out for help and assure them there is a better future.”

References:

  1. https://www.cnbc.com/2018/10/04/4-ways-to-be-proactive-about-your-mental-health-in-college.html
  2. https://www.bu.edu/articles/2021/depression-anxiety-loneliness-are-peaking-in-college-students/
  3. https://radicalhopefoundation.org
  4. https://www.wuft.org/news/2021/09/22/mental-health-challenges-abound-among-college-students/
  5. https://healthymindsnetwork.org/hms/

The National Suicide Prevention Lifeline contact is 1-800-273-8255 (en español: 1-888-628-9454; deaf and hard of hearing: 1-800-799-4889) or the Crisis Text Line by texting HOME to 741741.