Quotes

“Quality of life is having the freedom to make choices that are not fear based. Whether it’s the ability to choose the kinds of projects I want to take on and can learn from, or the ability to take a month off to travel. Freedom to choose is the ultimate luxury.”

~ Interior designer Danielle Colding on the ultimate luxury

Source: In the Company of Women​

Magnesium

Magnesium helps your body function properly, especially as it pertains to your muscular system, bones, and nervous system.

Magnesium matters.

  • 7 out of 10 Americans are below the Dietary Reference Intake for Magnesium, according to a USDA Agricultural Research Report
  • Sufficient magnesium intake is important in helping to maintain the function of the heart, muscles, and nervous system, support learning and memory performance in aging adults,  absorb and utilize potassium and calcium properly
  • Magnesium is also critical for athletes’ endurance in order to help maintain electrolyte and energy levels.
  • Adults with certain health concerns or who are taking medication may need magnesium supplementation. Magnesium can be found in foods such as green and leafy vegetables, halibut, nuts, such as almonds, and sunflower seeds.

Magnesium is a mineral that’s essential for making proteins and promotes normal nerve cell communication, muscle contraction, and a normal heart rhythm.

It’s estimated that up to 70 percent to 90 percent of the population are magnesium deficient, according to some findings.

This means that the majority of people living in industrialized nations, even many who think they eat a mostly “balanced diet,” are missing out on the many benefits of magnesium. These include its ability to help manage pain, decrease digestive issues and support quality sleep.

Magnesium is the fourth most abundant mineral in the body and assists with more than 300 bodily reactions that occur constantly. About 50% of magnesium is found in bones, and the other half is divided among cells that make up your tissues and organs.*

A mere 1% of the magnesium in your body circulates in the bloodstream, but that small fraction doesn’t accurately convey magnesium’s importance there, as the body makes maintaining blood magnesium levels a high priority.*

Magnesium is important because it assists in the movement of calcium and potassium across cell membranes, magnesium plays a mighty role in promoting normal nerve cell communication, muscle contraction, and a normal heart rhythm. Magnesium also helps to maintain the strength of cell membranes and bones. Diets that provide recommended levels of magnesium are considered beneficial for bone health.*

Magnesium is an essential mineral that’s very important for many aspects of health, since it’s involved in hundreds of bodily functions, including:

  • Blood pressure regulation
  • Protein synthesis
  • Energy production
  • Blood sugar control
  • Digestive processes like moving stools through the intestine
  • Regulation of heartbeat rhythms
  • Neurotransmitter functions, including those involved in sleep and mood stabilization
  • Balance of nitric oxide in the body
  • Growth and development in babies and children
  • Functions of nerves, muscles and tissue
  • Production of stomach acid

Source: https://www.centrum.com/learn/vitamins-minerals/magnesium/

Disney cancels an $1B office complex that would have relocated and created 2,000 jobs in the State of Florida, after Ron DeSantis’ feud caused them to keep the jobs in California.

This decision cancels the project known as the Lake Nona Town Center. It would have relocated 1,000 employees to Florida, while creating another 1,000 jobs.

General Colin Powell’s 13 Rules Leadership

Four star-General Colin Powell, U.S. Army, was the Chairman of the Joint Chiefs of Staff during the First Gulf war.  Powell was a leader who “knew how to build a strong and united team”.

Powell offered 13 rules for leadership in his 2012 memoir, It Worked for Me: In Life and Leadership.

  1. It ain’t as bad as you think. It will look better in the morning. This rule reflects an attitude and not a prediction. Why will things get better? Because you will make them better. Leaving the office at night with a winning attitude affects more than you alone; it also conveys that attitude to your followers.
  2. Get mad, then get over it. Everyone gets mad. It’s a natural and healthy emotion. My experience is that staying mad isn’t useful.
  3. Avoid having your ego so close to your position that when your position falls, your ego goes with it. Accept that your position was faulty, not your ego.
  4. It can be done. Have a positive and enthusiastic approach to every task. Don’t surround yourself with instant skeptics.
  5. Be careful what you choose: You may get it. You will have to live with your choices. Some bad choices can be corrected. Some you’ll be stuck with.
  6. Don’t let adverse facts stand in the way of a good decision. Superior leadership is often a matter of superb instinct. When faced with a tough decision, use the time available to gather information that will inform your instinct.
  7. You can’t make someone else’s choices. You shouldn’t let someone else make yours. Make sure the choice is yours and you are not responding to the pressure and desire of others.
  8. Check small things. Leaders have to have a feel for small things — a feel for what is going on in the depths of an organization where small things reside.
  9. Share credit. People need recognition and a sense of worth as much as they need food and water. It’s amazing what can be accomplished if you don’t care who receives the credit.
  10. Remain calm. Be kind. Few people make sound or sustainable decisions in an atmosphere of chaos.
  11. Have a vision and purpose. Be demanding. Followers need to know where their leaders are taking them and for what purpose. Purpose is the destination of a vision. Leaders must embed their own sense of purpose into the heart and soul of everyone they lead. To achieve his purpose, a successful leader must set demanding standards and make sure they are met. Good leaders set vision, purpose, mission, and goals.
  12. Don’t take counsel of your fears or naysayers. Fear is a normal emotion. And, we can train to operate through and in spite of our fear. If we don’t control our fear, it will paralyze us, and we cannot lead. Same for naysayers. Their fear and cynicism move nothing forward. How many cynics built great empires, great cities, or powerful corporations? Those who do not risk are wasting their time and energy.
  13. Perpetual optimism is a force multiplier. Believe in the likelihood of success. Believing in yourself, believing in your purpose, believing you will prevail, and demonstrating passion and confidence is a force multiplier. If you believe and have prepared your followers, your followers will believe.

References:

  1. https://share.america.gov/colin-powell-13-rules-how-to-lead/
  2. https://www.tribune.org/colin-powells-thirteen-rules/

2.  Get Mad Then Get Over It.

Everyone gets mad but staying mad is never useful. Instead of letting anger destroy you, use it to make constructive change.

3.  Avoid Having Your Ego So Close to your Position that When Your Position Falls, Your Ego Goes with It.

In other words, accept that your position was faulty, not your ego. Keep your ego in check, and know that you can lead from wherever you are.

4.  It Can be Done.

Again, this is more about attitude than reality. Always start out believing you can get it done until facts and analysis pile up against it. Leaders make things happen.

5.  Be Careful What You Choose. You May Get It.

Don’t rush into things. Usually, there is time to examine the choices and think through the consequences. You will have to live with your choices.

6.  Don’t Let Adverse Facts Stand in the Way of a Good Decision.

Superb leadership is often a matter of superb instinct. When faced with a tough decision, use the time available to gather information that will inform your instinct.

7.  You Can’t Make Someone Else’s Choices. You Shouldn’t Let Someone Else Make Yours.

As a leader, ultimate responsibility is yours. Make sure the choice is yours, and you are not responding to the pressures and desires of others. It does not mean that you make decisions on your own, you should still seek advice, but be aware there will always be plenty of people to “help” you make your decisions.

8.  Check Small Things.

Small actions can result in large consequences. Success ultimately rests on small things, lots of small things.

9.  Share Credit.

When something goes well, make sure to share the credit down and around the whole organization. Let all employees believe they were the ones who did it. People need recognition and a sense of worth as much as they need food and water.

10.  Remain calm.  Be kind.

Few people make sound or sustainable decisions in an atmosphere of chaos.  Establish a calm zone while maintaining a sense of urgency. Calmness protects order, ensures that we consider all the possibilities, restores order when it breaks down, and keeps people from shouting over each other.

Always Believing in Yourself is Important

“Believe in yourself; have faith in your abilities.” ~ General Colin Powell, U.S. Army

Believing in yourself means having confidence in your own abilities.

Always believe in yourself and pursue your dreams – you’re capable of so much more than you realize. Moreover, you are braver than you think, more talented than you know, and capable of more than you imagine.

Believing in yourself means being able to trust yourself to do what you say you’ll do and knowing that those efforts will result in the desired outcomes, according to The Berkeley Well-Being Institute.

When you believe in yourself, it kicks into gear all sorts of psychological processes that help you achieve your goals, manifest your dreams, and increase your well-being, explained Tchiki Davis, Ph.D., Founder, The Berkeley Well-Being Institute.

https://twitter.com/ezhil2023/status/1658366560267042816?s=46&t=mF_tsrQnjgviyl62GYfJjw

But the flip side is also true. Lack of self-confidence or lack of belief in ourselves means we are less likely to act, to change, or to push to make things better. As a result, when we expect to fail, we are actually more likely to fail (Bénabou & Tirole, 2002).

That means that believing in yourself is “like the key that turns the ignition and starts the car. We can’t really go anywhere without it.”

Without the mindset of believing in yourself, you’re blocked because your thoughts, attitudes, and actions aren’t in alignment with your goals. So we either don’t do what you need to do or you sabotage yourself along the way, sometimes in obvious ways and sometimes in ways that are totally unconscious to you, says Dr. Davis.

  • Believing in yourself includes aspects like self-worth, self-confidence, self-trust, autonomy, and environmental mastery.
  • Self-worth is the sense that you have value as a human being.
  • Self-confidence is a positive attitude about your abilities, qualities, and judgment.
  • Self-trust is faith that you can rely on yourself.
  • Autonomy is feeling able to choose and direct your own behavior.
  • Environmental mastery is your belief that your efforts can result in the changes you desire.

These are just a few of the key components involved in believing in yourself, according to Dr. Davis.

To cultivate self-belief, it’s critical to talk back to your inner voice. If you feel like you have no value, tell yourself, “You are a valuable, amazing, person who deserves to live a good life.” Or, if you don’t feel confident, remind yourself of your good qualities and skills (more on this below).

Positive self-talk like this has been shown to improve your performance (Tod, Hardy, & Oliver, 2011). By saying positive things to yourself, you can start to rewrite your internal scripts. You can slowly but surely start to develop new scripts in your minds that are a bit more like cheerleaders and a bit less like jerks. And this helps you shift your beliefs.

Believe in yourself, trust yourself, love yourself, and invest in yourself. Your only limit is you and your limiting beliefs.


References:

  1. Tchiki Davis, “Believe in Yourself: Why It’s Important and How to Do It”, The Berkeley Well-Being Institute. https://www.berkeleywellbeing.com/believe-in-yourself.html
  2. Bénabou, R., & Tirole, J. (2002). Self-confidence and personal motivationThe quarterly journal of economics117(3), 871-915.
  3. Tod, D., Hardy, J., & Oliver, E. (2011). Effects of self-talk: A systematic review. Journal of Sport and Exercise Psychology, 33(5), 666-687.​​

Dividends Matters

A dividend is the distribution of some of a company’s earnings to its shareholders, in the form of cash, stock, or other property. Effectively, dividends are a return of cash to shareholders.

There are distinct benefits of dividends to investors. In aggregate, dividend-paying stocks provide higher returns with lower volatility than stocks that do not pay a dividend.

Further, dividends have provided nearly 40% of total return over long periods. Some investors also rely on dividends for income. So, dividends have benefits for investors.

Investors or common shareholders can get dividends if they own the stock before the ex-dividend date. Not all companies issue dividends, but the extra income from these scheduled payouts is one of the factors many investors may consider when buying a security.

  • Dividends are payments that companies issue to a class of its shareholders
  • Not all companies issue dividends, but the extra income from these scheduled payouts is one of the factors investors consider when buying a security
  • Dividends are paid out per share. The more shares you own, the more dividends you’ll receive

The ex-date is the cutoff date for being able to receive dividends from owning a stock. If you buy the stock after the ex-date, or your trade doesn’t settle on or after this date, then you won’t receive the next dividend payment.

The dividend rate is the payout amount you can expect to receive per share on the dividend pay date. Many factors go into determining the dividend amount, and this amount can change from one year to the next. The amount is typically paid out bi-annually, quarterly, or monthly.


References:

  1. https://www.dividendpower.org/2019/07/25/why-dividends-matter-investors/

1 Simple and Effective Choice

According to Steve Jobs, ’asking for help’ is one simple and effective choice in life you can make that separates the doers from the dreamers.

Apple’s co-founder and tech genius shared a story that illustrates this ‘1 choice’ which is an uncommon trait found in the most successful people. Here’s an excerpt:

”I called up Bill Hewlett [co-founder of Hewlett-Packard] when I was 12 years old.

‘Hi, I’m Steve Jobs. I’m 12 years old. I’m a student in high school. I want to build a frequency counter, and I was wondering if you have any spare parts I could have.’

He laughed, and he gave me the spare parts, and he gave me a job that summer at Hewlett-Packard … and I was in heaven.”

Further, Jobs added:

“Most people never pick up the phone and call. Most people never ask, and that’s what separates the people who do things from the people who just dream about them.”

In short, a single phone call greatly impacted Job’s trajectory and life. It taught him to be willing to ask for something he wanted.

But, most people don’t ask for what they want or need. Therefore, most of the time, nothing happens and people’s dreams, goals and desires go unrealized.

Sociologist Wayne Baker from the University of Michigan wrote a book called All You Have to Do Is Ask: How to Master the Most Important Skill for Success. In his research, Baker found that the ” — person who helps frequently and also asks for help frequently — is the most well-regarded and also the most productive”.

You must be willing to ask for help, which can be daunting because it requires that you lower your personal protective shield and admit to someone else that you need help.

The refusal to ask for help is a kind of arrogance, a blind insistence on doing it all by yourself no matter what, because along with it comes the message that no one’s help is worth the price in vulnerability it will cost you.

Among people, the refusal to seek help is not rugged individualism; it’s a function of fear. Not that there’s nothing to fear. Asking for help requires not only the admission that you need help, but also the willingness to allow other people some say in your personal affairs, which inevitably triggers the fear of falling into the hands of knuckleheads, petty tyrants and control freaks.

Asking for help is an admission that you’re ready for action and prepared to put your dreams to the test. The trouble with asking for help, in other words, is that you may get it!

But, it’s important to understand that when the most successful people want something, they’re willing to ask for it. If a 12-year-old Steve Jobs could do it, so can you.


  1. https://www.inc.com/marcel-schwantes/steve-jobs-said-1-choice-in-life-separates-doers-from-dreamers.html
  2. https://www.psychologytoday.com/us/blog/passion/201601/the-power-asking-help

April’s Consumer Price Index and Inflation

CPI year-over-year inflation 4.9% as the economy showed signs of cooling 

Consumer prices in the U.S. rose 0.4% from March to April, up from 0.1% from February to March. Compared with a year earlier, prices climbed 4.9%, down just slightly from March’s year-over-year increase.

The nation’s inflation rate has steadily cooled since peaking at 9.1% last June but remains far above the Federal Reserve’s 2% target rate.

The Fed is paying particular attention to core prices, which exclude volatile food and energy costs and are regarded as a better gauge of longer-term inflation trends.

The Federal Reserve aggressively raised rates for more than a year to try to tame inflation by slowing economic activity, and indicated last week it might be done lifting them for now.

Core prices rose 0.4% from March to April, the same as from February to March. It was the fifth straight month that core prices have risen by 0.4% or more. Increases at that pace are far above the Fed’s 2% target.

Compared with a year ago, core prices rose 5.5%, just below a yearly increase of 5.6% in March.

Unlike the prices for products, the costs of services — from restaurant meals to auto insurance, dental care to education — are still surging. A major reason is that companies have had to raise pay in those industries to find and retain workers.

Federal Reserve officials say that fast-rising wages, while good for workers take home income, have contributed to higher costs in services industries because labor makes up a significant portion of there costs.

Positive Beliefs About Aging are Good for Memory Recovery

From WebMD.com

Older people with mild cognitive impairment (MCI) are more likely to recover their function if they feel good about aging, compared to those who have negative emotions about it, a new study from the Yale School of Public Health says.

MCI is a common form of memory loss. Positive beliefs about aging give older people a 30% better chance of recovering normal thinking.

“Researchers also found that these positive beliefs also enabled participants to recover their cognition up to two years earlier than those with negative age beliefs,” Neuroscience News reported. “This cognitive recovery advantage was found regardless of baseline MCI severity.”

More than 1,700 people over age 65 participated in the study, which was published in JAMA Network Open.

“In previous experimental studies with older persons, positive age beliefs reduced stress caused by cognitive challenges, increased self-confidence about cognition, and improved cognitive performance,” study authors wrote. “We therefore hypothesized that older persons with positive age beliefs would be more likely to recover from MCI and would do so sooner compared with individuals with negative age beliefs.”

“Older persons in the positive age-belief group who started the study with normal cognition were less likely to develop MCI over the next 12 years than those in the negative age-belief group, regardless of their baseline age and physical health,” Neuroscience News reported.

“Considering that positive age beliefs can be strengthened, our findings suggest that age-belief interventions at individual and societal levels could increase the number of people who experience cognitive recovery,” the study said.


References:

  1. Jay Croft, “Positive Beliefs About Aging are Good for Memory Recovery”, WebMD.com, April 13, 2023. https://www.webmd.com/balance/news/20230413/positive-beliefs-about-aging-are-good-for-memory-recovery