When to Claim Your Social Security Benefits

Posted on July 15, 2021 by admin

WAITING TO CLAIM SOCIAL SECURITY WILL MAXIMIZE YOUR LIFETIME BENEFIT

If you claim Social Security at age 62, rather than wait until your full retirement age (FRA), you can expect up to a 30% reduction in monthly benefits.
For every year you delay claiming Social Security past your FRA up to age 70, you get an 8% increase in your benefit. So, if you can afford it, waiting could be the better option.
Health status, longevity, and retirement lifestyle are 3 variables that can play a role in your decision when to claim your Social Security benefits.

You can start claiming Social Security benefits at 62 and it can be tempting to take the money and run as soon as you’re eligible. After all, you’ve been paying into the system for all of your working life, and you’re ready to receive your benefits.

But you will not receive 100% of your benefits unless you wait until your Full Retirement Age of 66 years and 10 months if you reach age 62 during calendar year 2021. And if you wait longer, like until age 70 years young, you can receive even more benefits.

If you start taking Social Security at age 62, rather than waiting until your full retirement age (FRA), you can expect up to a 30% reduction in monthly benefits with lesser reductions as you approach FRA, according to Fidelity Investments. FRA ranges from 66 to 67, depending on your date of birth. And your annual cost-of-living adjustment (COLA) is based on your benefit. So if you begin claiming Social Security at 62 and start with reduced benefits, your COLA-adjusted benefit will be lower too.

Wait to Claim

Health status, longevity, and retirement lifestyle are 3 key factors that can play a role in your decision when to claim your Social Security benefits. Unfortunately, you can not predict your future health status, but you can rely on the simple fact that if you claim early versus later, you will likely have lower benefits from Social Security to help fund your retirement over the next 20-30+ years.

By waiting until age 70 to claim your benefits, you could get the highest monthly benefit possible over your lifetime than if you start claiming at age 62.

And if you are married, you may be eligible to claim Social Security based on your spouse’s earnings. This may mean a significantly higher monthly payment for you if your spouse had a higher income than you during his or her prime earning years.

Basic Benefit Rules

After you reach age 62, for every year you postpone taking Social Security (up to age 70), you could receive up to 8% more in future monthly payments. Once you reach age 70, increases stop, so there is no benefit to waiting past age 70.

Members of a couple may also have the option of claiming benefits based on their own work record, or 50% of their spouse’s benefit. For couples with big differences in earnings, claiming the spousal benefit may be better than claiming your own.

Social Security payments are reliable and should generally adjust with inflation, thanks to cost-of-living increases. Because people are living longer these days, a higher stream of inflation-protected lifetime income can be very valuable.

Social Security can form the bedrock of your retirement cash flow and income plan. That’s because your benefits are inflation-protected and will last for the rest of your life. When making your choice, be sure to consider how long you may live, your financial capacity to defer benefits, and the impact it may have on you and your survivors.

References:

Health, Financial and Emotional Well-Being

Posted on July 2, 2021 by admin

“We don’t see the world as it is, we see it as we are.” Anaïs Nin

Recent survey shows Americans are the unhappiest they have been in 50 years. Pandemic and health concerns, social unrest and economic distress have left Americans feeling tired, and living with a constant state of “brain fog” which are just a few symptoms of stress, anxiety, lack of sleep, and poor overall mental health.

People will exercise to help their bodies become fit, but when it comes to mental health, most people do nothing. Let’s be frank, the coronavirus has changed many Americans emotional, financial, and physical health circumstances dramatically and quickly. It’s important to take a holistic approach to your health, financial and emotional well-being. We know that planning for your future is about so much more than your finances – you and your family’s physical and emotional wellness are also a priority.

Time and time again, research has shown that “money cannot buy happiness” and that not only do you need a finite amount of money to be happy, but that prioritizing things like expressing gratitude, friendships, hobbies and family may actually lead to long-term well-being.

Keep physical, emotional and financial health a priority and in the center of your thoughts and daily life.

Overall emotional, physical and financial well-being are what your attempting to holistically achieve. It helps you feel more secure and less stressed in all areas. Sometimes the best thing you can do for your health – and your long-term financial security – is to tune it out the constant negative news. Here are some ways to tune out negativity during uncertain times.

Put down the smart phone and turn off the news. Allow yourself just one hour of news time each day, preferably in the middle of the day. This ensures you don’t start or end your day anxious. It’s important to stay informed, but once a day should suffice.
Stay positive and focus on an attitude of gratitude. List the top five (or more) things you’re grateful for each day. Your list may be the same from day to day or it could change based on the past day’s experience. It could be as simple as being thankful for the roof over your head or a smile from a stranger as you walk your neighborhood.
Get physical and eat healthy. You’ve probably heard it before, and that’s because it’s true – physical activity is just as healthy for your mind as it is for your body. This doesn’t mean you have to participate in high intensity interval training. Start small. Simply going for a walk or doing basic stretches can help keep your mind and body at their best. Additionally, eliminate process foods, refined sugars and saturated fats from your diet. Eat more plant based foods and whole grains.
Connect with family and friends. Having a strong support system is important during good times, but even more so during challenging ones. Reach out to someone you haven’t talked to in a while to see how they’re doing. Send a text or card or give them a call. If your family is spread out across the country, use digital apps to connect and play games.
Stick to a schedule. When you’re stressed, it often takes a toll on your sleep schedule. Keeping a consistent routine can help. Get up and go to bed at the same times each day, even on weekends. Know your stress triggers and pay attention when you notice them flaring up.

While it’s important to be aware of what’s going on in the world, focusing on the bad news won’t help your financial strategy, your emotional well-being or your physical health. Remember, you’re in it for the long term.

During the current coronavirus pandemic, instead of ‘social distancing,’ our focus should be on ‘physical distancing’ and ‘social connection.'”

Maintain mental health and emotional well-being

Focus on the now. Worrying about the past or the future isn’t productive. When you start chastising yourself for past mistakes, or seeing disaster around every corner, you’re only creating more stress and anxiety in your life.

It’s important to stop and to take a breath and ask yourself what you can do right now to succeed. Find something to distract you from destructive thoughts and reset your attitude.

Achieving a healthy frame of mind can seem more challenging than in years past.

Having a daily moment of intentional quiet can go a long way toward a better outlook.

Try this five-minute meditation routine that combines both yoga and balance to steady the mind, utilize the breath to become more mindful, and reduce stress.

Mindfulness meditation does, in fact, decreases anxiety and improves self-esteem, studies have shown.

As you move through Mindfulness meditation, focus on deep breathing. Inhale and exhale through the nose, and start by filling up your lungs with air. Then feel the air rise up into the chest. As you exhale, empty the chest first and then feel the stomach deflate like a balloon. This slow, conscious and specific breath pattern aids in focusing the mind to the present moment.

Finally, if your mind wanders easily during this sequence, you can focus on a one-word mantra to recite silently to yourself. Choosing a word like “serenity” or “peace” or “confidence” and syncing your movement with your breath can help transport you to a different world that quiets distractions from the past and future.

References:

https://www.synchronybank.com/blog/millie/money-and-happiness/https://www.synchronybank.com/blog/millie/money-and-happiness/
https://apple.news/Am_LnLhs1Q22oltXhOLcRLg

Financial Literacy: Saving for Retirement

Posted on January 23, 2021 by admin

“We teach our kids everything in high school: sex education, geography, math, reading, etc. We do not teach them anything about credit cards, or debt, or investing. Then we ask ourselves why we end up in a situation as we are today, which has been highlighted by the pandemic a bit: There’s 100 million people in America that have set nothing aside for their retirement.” Kevin O’Leary

The retirement crisis in America is an ongoing worry for most Americans. As companies have shifted away from offering traditional (defined) pension plans to employees, much of the responsibility in planning for financial life after work now relies heavily on individuals. Unfortunately, the crisis is mostly due to a lack of financial literacy and consumer spending on new shiny things, and as a result, most are struggling to keep up.

A March 2019 Bankrate survey found that more than 1 in 5 working Americans aren’t saving any money for retirement, emergencies or other financial goals. Major barriers as to why respondents said they weren’t saving included not making enough money, financially helping adult children, and large credit card and other personal debt payments.

Financial assistance to adult children

Parents are helping their adult children financially and the majority of those parents say that financially supporting their adult children is hurting their savings for retirement and their financial futures, according to Bankrate. In total, 50 percent of respondents to a Bankrate survey say they have sacrificed or are sacrificing their own retirement savings in order to help their adult children financially.

Living and remaining in the workforce longer

American baby boomers are healthier and are living longer; as a result, they’ll need a bigger nest egg to fund their retirements, especially since the number of employers providing pensions has been steadily shrinking. As some reach retirement age and realize they don’t have enough saved, it’s keeping them in the workforce longer. Workers older than 55 years young filled almost half of all new jobs in 2018 even though they make up less than a quarter of the nation’s labor force, according to an analysis of Labor Department data by The Liscio Report.

“Many seniors are having a hard time making ends meet and find they have to work when they had not planned to.” Dean Baker, cofounder of the Center for Economic and Policy Research.

“Most Americans haven’t made saving [for retirement] a priority”, says Nick Holeman, CFP at Betterment. “Most people don’t like to admit that, but we live in a consumer culture and it can be difficult to turn down the new shiny gadgets.” Saving for retirement is your largest and most important financial goal. Even if it feels very far away, it’s important to start saving early.

Saving up for a house or your kid's tuition? A financial planner says take care of retirement first https://t.co/HkHMq7Iril

— CNBC (@CNBC) January 12, 2021

Holeman recommends that Americans wanting to retire to take three steps:

Create financial goals and a financial plan. At a minimum, you should have these two financial goals: Create an emergency fund and save for retirement. SoFi calls these “bookend goals”—your primary short-term and primary long-term goal. Your financial plan should consist of small, achievable goals; they’ll help you see your finish line and empower you to stay on track. Start by determining how much you need to retire comfortably.
Come up with a strategy to execute. Selecting an investment strategy depends on your financial goal amount (how much you want to save each month or year) and the time horizon (when you’d like to use that money). Decide how you plan to save that amount.
Get creative. For those struggling to save, consider retiring later or working part-time during retirement. Holeman says there are tons of other options out there, which he refers to as “levers,” like moving to a low-cost state or downsizing your home. Engaging them can help get your retirement savings back on track.

Investing

It has been regularly reported that billionaire investor Warren Buffett made 99% of his current wealth after his 50th birthday. At an age when most Americans give up hope achieving financial independence, Buffett was just getting started on the capital assets he controls today. Building wealth could mean financial peace, taking a spur-of-the-moment international travel.

Many older Americans are advised to sell or significantly reduce their stock holdings and frankly, this advice is antiquated, shortsighted and wrong. Buffett built his incredible level of wealth by continuing to buy stocks despite his advanced age.

References:

Benefits of Regular Exercise for the Brain

Posted on December 2, 2020 by admin

There are many long-term benefits of regular exercise for your brain.

Studies have shown how essential and significant exercise or physical activities can be for keeping your brain fit and healthy. And, you can actually build a stronger brain through exercise.

Regular exercise improves mood

Regular exercise has a significant positive influence on mental well-being and can boost the mental health. Thus, if you need an emotional lift or a need to relieve the stress of a trying day? Exercise or moderate physical activity, like a brisk walk, is the solution.

Physical activity stimulates various brain chemicals that may leave you feeling happier, more relaxed and less anxious.

These are the long-term benefits of regular exercise for your brain.

Watch Wendy Suzuki's full TED Talk here: https://t.co/ha2yitpGDA pic.twitter.com/zcxCO81j0P

— TED Talks (@TEDTalks) November 29, 2020

Endorphins

The body’s feel-good chemical, known as endorphins, are released during exercise. Endorphins help focus your mind, reduce the impact of pain on your body, and improve your mood. In fact, some reports indicate the endorphins released during exercise have much of the same effect as traditional anxiety medication, and the results can last for hours afterward. There is ample evidence pointing towards endorphins’ positive effects.

Take your brain to the gym to maximize mental and whole-body health

Evidence does suggest that resistance training and aerobic exercise — walking, running, biking, swimming — will help your brain. In one study, older adults with mild cognitive impairment who lifted weights two to three times a week improved muscle tone and cognitive function, according to the Mayo Clinic.

Moreover, walking and other moderate aerobic exercise has been shown to help stabilize your mood and help with depressive symptoms. Studies have also found that regular exercise helps people better control their stress and regulate their emotions.

Physical activity contributes to learning. In one study, when teachers added exercise routines to math lessons — called motor-enriched learning — math scores improved faster for the exercisers than for the kids who didn’t exercise during the lesson. Other studies have found that exercise helps improve reading comprehension, too.

A few of the brain enhancing findings to motivate you to get started today.

Feel better.
Enhance learning. While scientists don’t fully understand how
Sharpen memory.
Improve vision.

Your brain is amazing. Billions of nerve cells work together in harmony to coordinate every second of your life: your movements, behavior, thoughts, memories and emotions. So take your brain to the gym to maximize whole-body health.

References:

The Gift of Exercise and Health

Posted on November 29, 2020 by admin

Make exercise a lifelong habit

Exercise and physical activity are great ways to feel better, boost your health and improve your life. The health benefits of regular exercise and physical activity are significant and hard to ignore. And, everyone would benefit from exercise, regardless of age, gender or physical ability.

Research demonstrates that lifestyle changes, like making exercise a lifelong habit, will have a strong influence on your heath. Thus, you must make healthy habits such as exercising or being physically active daily a lifelong goal and a lifestyle.

Physical Activity is important

Exercise and physical activity are good for just about everyone. No matter your health and physical abilities, you can gain a lot by staying active. In fact, studies show that “taking it easy” is risky. Often, inactivity is more to blame than age when older people lose the ability to do things on their own.

Lack of exercise or physical activity also can lead to more visits to the doctor, more hospitalizations, and more use of medicines for a variety of illnesses. Research has shown also that it’s important to get all four types of exercise: endurance, strength, balance, and flexibility.

Physical activity predicts better health.

People who rarely get off the couch are more than twice as likely to die prematurely as people who exercise moderately, whether they are normal weigh, overweight or obese. In contrast, people who are obese and fit have only slight more risk than normal-weight, fit people, according to Dr. Sandra Aamodt, author of Why Diets Make Us Fat: The Unintended Consequences of Our Obsession with Weight Loss (Penguin Random House, 2016).

The research indicates that exercise habits are much more important than weight in determining the risk of early death. Bottom line is that “exercise improves health even if no weight is lost.”

Low fitness is estimated to be responsible for 16 to 17 percent of deaths in the U.S. While, obesity accounts for only 2 to 3 percent once the effects of fitness are factored out.

Exercising 30 minutes a day is more effective than dieting 24 hours a day. That’s the deal of a lifetime–a longer, healthier lifetime. Thus, one of life’s best gifts is exercise.

These are the long-term benefits of regular exercise for your brain.

Watch Wendy Suzuki's full TED Talk here: https://t.co/ha2yitpGDA pic.twitter.com/zcxCO81j0P

— TED Talks (@TEDTalks) November 29, 2020

Healthy habits for the heart.

Regular exercise protects your heart and provides many heart-healthy benefits

Heart disease remains the leading cause of death in the U.S. according to the Centers for Disease Control and Prevention. Your risk of many chronic diseases drops when you partake in regular exercise or physical activities.

The American Heart Association recommends 150 minutes of moderate exercise every week; just 30 minutes of activity, such as walking, on five out of the seven days.

Bottomline, exercise and physical activity across a lifetime can substantially reduce your risk of heart disease.

Seven benefits of exercise

There are seven ways exercise can lead to a happier, healthier you, according to the Mayo Clinic. The benefits of exercise are:

Exercise controls weight
Exercise combats health conditions and diseases
Exercise improves mood
Exercise boosts energy
Exercise promotes better sleep
Exercise puts the spark back into your sex life
Exercise can be fun … and social!

As you can see, exercise is good for the body or mind. According to the Mayo Clinic, walking or moderate physical activity can improve heart health, lower blood pressure, strengthen bones and muscles, help maintain a healthy weight, and improve mood.

References:

Fitness Program: Five Steps to a Healthy Lifestyle | Mayo Clinic

Posted on November 7, 2020 by admin

Any amount of physical activity or exercise is better than none at all.

By Mayo Clinic Staff

Starting a fitness program may be one of the best things you can do for your health. Physical activity can reduce your risk of chronic disease, improve your balance and coordination, help you lose weight, improve your metabolic health and reduce your metabolic age — and even improve your sleep habits and self-esteem.

There are three kinds of fitness:

• Aerobic fitness. Aerobic activities condition your heart and lungs. Aerobic means “with oxygen.” The purpose of aerobic conditioning is to increase the amount of oxygen that is delivered to your muscles, which allows them to work longer. Any activity that raises your heart rate and keeps it up for an extended period of time will improve your aerobic conditioning.

• Muscle strengthening. Stronger muscles can mean either more powerful muscles that can do bigger jobs (such as lifting heavier weights) or muscles that will work longer before becoming exhausted (endurance). Weight training (resistance training) or simple exercises such as push-ups are two examples of ways to focus on muscle strengthening.

• Flexibility. Like aerobic fitness and muscle strengthening, flexibility is a result of physical activity. Flexibility comes from stretching. Your muscles are repeatedly shortened when they are used, especially when exercising. They need to be slowly and regularly stretched to counteract the repeated shortening that happens through other activities.

You can start your personal fitness program with simple steps.

1. Assess your fitness level

You probably have some idea of how fit you are. But assessing and recording baseline fitness scores can give you benchmarks against which to measure your progress. To assess your aerobic and muscular fitness, flexibility, and body composition, consider recording:

Your pulse rate before and immediately after walking 1 mile (1.6 kilometers)
How long it takes to walk 1 mile, or how long it takes to run 1.5 miles (2.41 kilometers)
How many standard or modified pushups you can do at a time
How far you can reach forward while seated on the floor with your legs in front of you
Your waist circumference, just above your hipbones
Your body mass index

2. Design your fitness program

It’s easy to say that you’ll exercise every day. But you’ll need a plan. As you design your fitness program, keep these points in mind:

Consider your fitness goals. Are you starting a fitness program to help lose weight? Or do you have another motivation, such as preparing for a marathon? Having clear goals can help you gauge your progress and stay motivated.
Create a balanced routine. For most healthy adults, the Department of Health and Human Services recommends getting at least 150 to 300 minutes of moderate aerobic activity or 75 to 150 minutes of vigorous aerobic activity a week, or a combination of moderate and vigorous activity. The guidelines suggest that you spread out this exercise during the course of a week. Greater amounts of exercise will provide even greater health benefits.

But even small amounts of physical activity are helpful. Being active for short periods of time throughout the day can add up to provide health benefits.
Do strength training exercises for all major muscle groups at least two times a week. Aim to do a single set of each exercise, using a weight or resistance level heavy enough to tire your muscles after about 12 to 15 repetitions.

Start low, develop exercise habit and progress slowly. If you’re just beginning to exercise, start cautiously and progress slowly. If you have an injury or a medical condition, consult your doctor or an exercise therapist for help designing a fitness program that gradually improves your range of motion, strength and endurance.
Build activity into your daily routine. Finding time to exercise can be a challenge. To make it easier, schedule time to exercise as you would any other appointment. Plan to watch your favorite show while walking on the treadmill, read while riding a stationary bike, or take a break to go on a walk at work.
Plan to include different activities. Different activities (cross-training) can keep exercise boredom at bay. Cross-training using low-impact forms of activity, such as biking or water exercise, also reduces your chances of injuring or overusing one specific muscle or joint. Plan to alternate among activities that emphasize different parts of your body, such as walking, swimming and strength training.
Try high-interval intensity training. In high-interval intensity training, you perform short bursts of high-intensity activity separated by recovery periods of low-intensity activity.
Allow time for recovery. Many people start exercising with frenzied zeal — working out too long or too intensely — and give up when their muscles and joints become sore or injured. Plan time between sessions for your body to rest and recover.
Put it on paper. A written plan may encourage you to stay on track.

3. Assemble your equipment

You’ll probably start with athletic shoes. Be sure to pick shoes designed for the activity you have in mind. For example, running shoes are lighter in weight than cross-training shoes, which are more supportive.
If you’re planning to invest in exercise equipment, choose something that’s practical, enjoyable and easy to use. You may want to try out certain types of equipment at a fitness center before investing in your own equipment.
You might consider using fitness apps for smart devices or other activity tracking devices, such as ones that can track your distance, track calories burned or monitor your heart rate.

4. Get started…get moving

Begin your fitness program and keep these tips in mind:

Start slowly and build up gradually. Give yourself plenty of time to warm up and cool down with easy walking or gentle stretching. Then speed up to a pace you can continue for five to 10 minutes without getting overly tired. As your stamina improves, gradually increase the amount of time you exercise. Work your way up to 30 to 60 minutes of exercise most days of the week.
Break things up if you have to. You don’t have to do all your exercise at one time, so you can weave in activity throughout your day. Shorter but more-frequent sessions have aerobic benefits, too. Exercising in short sessions a few times a day may fit into your schedule better than a single 30-minute session. Any amount of activity is better than none at all.
Be creative. Maybe your workout routine includes various activities, such as walking, bicycling or rowing. But don’t stop there. Take a weekend hike with your family or spend an evening ballroom dancing. Find activities you enjoy to add to your fitness routine.
Listen to your body. If you feel pain, shortness of breath, dizziness or nausea, take a break. You may be pushing yourself too hard. Remember to drink plenty of water.
Be flexible. If you’re not feeling good, give yourself permission to take a day or two off.

5. Monitor and track your progress

Retake your personal fitness assessment six weeks after you start your program and then again every few months. You may notice that you need to increase the amount of time you exercise in order to continue improving. Or you may be pleasantly surprised to find that you’re exercising just the right amount to meet your fitness goals.

If you lose motivation, set new goals or try a new activity. Exercising with a friend or taking a class at a fitness center may help, too.

Starting an exercise program equates to healthy habits that last a lifetime

Health, not gold or silver, is the greatest wealth! Billy Graham

Starting an exercise program is an important decision for your health and well-being. But it doesn’t have to be an overwhelming or strenuous or anxiety producing one. By planning carefully, starting slowing and pacing yourself, you can establish a healthy habit that lasts a lifetime

Reference:

Learning, Growing and Getting Better and Better Everyday!!!

Psychosocial Health

Posted on November 5, 2020 by admin

It’s important that you choose to be happy, healthy and at peace!

Health is defined as the overall mental, emotional and physical state of a person; the absence of disease and ailment. On the other hand, wellness or well-being refers to the state of being in optimal mental and physical health.

But wellness is more than optimal mental, emotional and physical health. It’s about living a life in harmony, full of personal responsibility and taking proactive steps for one’s entire well-being. Thus, a person living life very well controls risk factors that can harm them. Risk factors are different types of actions or conditions that increase a person’s chances for illness or injury.

Psychosocial (mental, emotional, social, and spiritual) health and wellness

“The secret of a better and more successful life is to cast out those old dead unhealthy thoughts.” Dr. Norman Vincent Peale

Psychosocial health includes four important components of well-being. It means being mentally, emotionally, socially, and spiritually sound which fortunately is no longer lost on traditional modern medicine. There’s plenty of proof that a healthy mind, content heart and grateful attitude are just as important for the prevention of diseases and therapeutic treatment. Therefore, this concept of psychosocial health, a state of mental, emotional, social, and spiritual well-being, deserves much attention and additional research.

Basic Traits of Psychosocial Health

“The greatest revolution of our generation is the discovery that human beings, by changing the inner attitudes of their minds, can change the outer aspects of their lives.” William James

Individuals who are deemed to be psychosocially healthy aren’t completely devoid of problems. Actually, it’s not the quantity or quality of a problem, which makes someone sound in this respect. It’s the way people view themselves and how they view and response to stressful situations that sets psychosocially healthy people apart from those who are not. Here are just a few traits shared by these robust individuals. They:

Like themselves
Accept their mistakes
Take care of themselves
Have empathy for others
Control their anger, hate, tension, and anxiety
Are optimistic
Can work alone and with others equally well

Mental Health

“To make your mind healthy, you must feed it nourishing, wholesome thoughts.” Dr. Norman Vincent Peale

The thinking portion of psychosocial health is known as mental health. Your beliefs and values in life, as well as how you relate to others and respond to situations in your life, are a reflection of mental health, which overlaps with the other aspect of health.

When something happens to you that you don’t like and you respond in a positive manner by accepting your mistake and looking forward to its correction, then that’s good. But if you show up late for work regularly, get fired, and then blame anyone but yourself, then that may be an indicator of less than ideal mental and emotional health.

Emotional Health

The feeling part of psychosocial health is called emotional health. This includes things like anger, love, hate, and happiness. Oftentimes, emotional and mental health overlap a great deal in some situations. Going back to our example of getting fired from work because you came in late multiple time, if you feel a bit down, but still have high hopes for the future, that’s a positive thing. But if you lash out in a blinding rage against your boss, sulk when you go home, and avoid everyone thereafter, then that may point to improper emotional health.

Furthermore, it’s not unexpected even for an emotionally healthy person to experience some sadness and grief after getting fired; that by itself isn’t conclusive of poor emotional health. Everyone, even the most optimistic people, have their ups and downs. But an emotionally healthy person is one that responds to a situation in a manner that is controllable, in proportion, and with understanding.

Emotional intelligence is an ability to understand and manage your emotions and those of others. It can be broken up into five main parts:

Know your emotions: Are you able to quickly recognize your feelings?
Manage your emotions: Can you express those feelings appropriately? Are you able to cope with them well?
Motivate yourself: The more you can do this independently in order to achieve more in your life, the higher your emotional intelligence.
Recognize the emotions of others: The more you can empathize with others, the better.
Handle your relationships: The better you are at navigating conflict in life and building a good social network, the higher your emotional intelligence.

Social Health

Having healthy relationships is a good way to also introduce social health, the ability to create and maintain healthy relationships with others. I’m sure you can already appreciate how much this is related to the concepts we went over in emotional health. Everything here is related because they are all part of the one overarching concept – psychosocial health.

Social health goes beyond having appropriate emotional health and intelligence. A person with good social health:

Recognizes the importance of social engagement. We’re pack animals after all! We’re not supposed to live alone!
A person with good social health is able to support their friends in a time of need and ask for their help when they need it themselves.
They aren’t biased, prejudiced, racist, or sexist.
Listens to others well, expresses their feelings just as well, and acts in a responsible manner around others.

An example of a person with good social health is someone who has close friends. They enjoy listening to and feels close enough to share important feelings with. The contrast is a curmudgeon who is bad-tempered and discourages close personal relationships.

Spiritual Health

When you enhance your spirituality, you form a relationship built on inner peace, love, faith and security.

Spiritual health is about having “something more” in your life. In practical terms, we’re talking about getting to know yourself—getting to know what you’re feeling, what you’re thinking, what you’re intending, what your fears are, and what your loves are, according to Gary Zukav author of Seat of the Soul.

Relationships can transform into a spiritual connection and partnership. If we use our relationships with ourselves, others and God (or an entity that is transcendent) to make us wiser, kinder, peaceful, grateful and more compassionate, we can actually change how the relationships work for us. We can have and enjoy the relationships and lives we’ve always dreamed of.

Higher levels of spirituality have also been linked to increased compassion, strengthened relationships, and improved self-esteem. “Our findings show that spirituality is significantly associated with better mental health and well-being and may add to an individual’s overall wisdom,” explains Dilip Jeste, senior associate dean for the Center of Healthy Aging and a professor of psychiatry and neuroscience at the UC San Diego School of Medicine. “Spirituality does not require religious faith but is characterized by humility and ever-present connectedness to oneself or to others or to an entity that is transcendent, such as Mother Nature or God or the soul. It helps reduce stress in many people and allows them to be more at peace, happier, and healthier.”

References:

Background:

Physical wellness: This means we exercise, eat well, practice safe sex, don’t do any dangerous activities like jumping off of buildings, and so on. Physical fitness increases physical wellness. By being physically fit and well, you are better able to take care of yourself and others, especially in a time of need. You are also better able to prevent illness and disease.

Intellectual wellness: Critical thinking, being curious, and always learning new things. Developing intellectual wellness is critical not only to help a person grow in school and do better at work, but it actually prevents the onset of disease. It’s been shown that people who regularly learn new things and challenge their mind can stave off many mental health problems.

Emotional wellness: Being confident, having a solid self-esteem, building trust, and being able to understand another’s feelings. A person who is emotionally well is aware of their feelings and is able to properly cope with them. Emotional wellness also implies a person can deal well with stressful situations.

Social wellness: Having good communication skills, the ability to establish good and healthy long-term relationships, and having good relationships with family and friends. Interpersonal relationships are very important in order to maintain a good emotional and physical state of being. We are, of course, ‘pack animals,’ so to speak, that depend on one another to survive and live well.

Spiritual wellness: The path to a spiritual wellness and relationship depends upon you because how you relate to yourself determines how spiritual you are toward others, according to Deepak Chopra. Developing compassion, forgiveness, being caring, having a sense of purpose and meaning in life. Spiritual wellness doesn’t automatically imply the need for religion in a person’s life. But, it does imply a personal relationship with God or committing to something higher. This personal relationship or commitment to something higher can be developed and found through things like nature, meditation, volunteer work, and family.

Mahatma Gandhi:

You must be the change you wish to see in the world.
Happiness is when what you think, what you say, and what you do are in harmony.
Live as if you were to die tomorrow. Learn as if you were to live forever.
Keep your thoughts positive because your thoughts become your words. Keep your words positive because your words become your behavior. Keep your behavior positive because your behavior becomes your habits. Keep your habits positive because your habits become your values. Keep your values positive because your values become your destiny.

References:

https://www.chopra.com/articles/how-to-have-a-true-spiritual-relationship

Simple Living and Eating for Longevity

Posted on November 3, 2020 by admin

Living simply including how you eat is one secret to healthy living, aging and longevity

To live a long and healthy life, you should follow the eating regimen and lifestyle of people indigenous to the Blue Zone. Blue Zones are areas where people regularly live to be over 100 years young and the populations are in good health and they live simply.

Blue Zones five areas are: Okinawa, Japan; Sardinia, Italy; Nicoya, Costa Rica; Ikaria, Greece, and Loma Linda, California. It was found that they had nine things in common, including how they eat, despite being in completely different geographical locations and cultures.

Simply eating

Something people in the various Blue Zones around the world have in common is that their meals consist of whole foods and primarily plant-based ingredients, as longevity expert and Blue Zones founder Dan Buettner often says. Beans, whole grains, and lots of vegetables are all cornerstones of Blue Zone philosophy of simple eating.

“We believe 90 percent of Alzheimer’s can be prevented through a healthy lifestyle,” Dean Sherzai, MD, and Ayesha Sherzai, MD, a husband and wife team and directors of the Alzheimer’s Prevention Program at Loma Linda University Medical Center explain. “Data from many studies have repeatedly supported a whole-food, plant-based diet as being protective for brain health in general, and Alzheimer’s and stroke in particular.”

Food for longevity

Garlic has proven to be one key food for longevity because it’s linked to lowering inflammation and reducing the risk of cardiovascular disease. It’s also full of vitamins including vitamin B6, manganese, selenium, vitamin c, iron, potassium, and copper, which support cognitive health, boost the immune system, and work to keep blood sugar levels steady.

References :

Healthy Diet for a Healthy Life | Consumers Reports

Posted on November 1, 2020 by admin

Eating a healthy diet can fix several common health concerns as you age like energy level, mood and balance.

A healthy diet is key to the healthy aging of your body and mind, according to Consumer Reports on Health. Additionally, it can help you ward off chronic diseases such as hearth disease, high blood pressure and type 2 diabetes.

Improving energy levels and mood

A healthy diet can help remedy numerous conditions (many of which become more common with age)—such as your balance and mood.

When the weather turns cold and days get shorter, we often turn to comfort foods which tend to be made mostly of refined carbohydrates, sugar, and fat. That combination may leave us feeling physically tired and emotionally cranky.

“When you eat simple, refined carbs, you get a quick increase of energy for about 20 or 30 minutes, and then a quick decrease,” says Lauri Wright, PhD, associate professor of nutrition at the University of North Florida in Jacksonville. “Those spikes and dips in energy are also bad for your mood because when your energy comes crashing down, your mood can crash too.”

Whole grains, such as brown rice and quinoa, work in the opposite way. “They release energy gradually and then gradually decrease over the course of 3 to 4 hours,” Wright says.

Getting adequate vitamin D may also be helpful for boosting your mood. Older adults may be prone to a deficiency, in part because the ability to produce D from sunlight declines with age. A 2018 study of almost 4,000 adults 50 and older in Ireland found that those with vitamin D deficiency (defined in this study as blood levels lower than 30 nanomoles per liter) were more likely to develop depression.

Improving balance

Your balance tends to get worse as you age, but one common cause is sarcopenia (age-related muscle loss). You can help your muscles stay strong by getting enough protein.

“The proteins in your muscles are constantly being broken down,” says Roger Fielding, PhD, associate director of the Jean Mayer USDA Human Nutrition Research Center on Aging at Tufts University in Boston. “If you aren’t consuming enough protein in your diet, the breakdown exceeds synthesis and you have a loss of muscle mass.” And without strong muscles to support your joints, your balance may suffer, leaving you at greater risk of falling.

On average, older adults should aim for at least 0.6 gram of protein per pound of body weight per day—about 90 grams for someone who weighs 150 pounds. Make sure to spread it evenly among meals. “It’s important to deliver protein to your muscles throughout the day,” Fielding says. And be sure to get a mix of animal (lean meats, fish, dairy) and plant (beans, nuts, soy) sources.

Plant foods also contain antioxidants and polyphenols that can help reduce inflammation. “Increases in inflammatory compounds can have potent effects on muscle loss,” Fielding says. In one study in The Journal of Nutrition, older men and women with adequate blood levels of antioxidant vitamin C had an average of 1.6 percent and 3.4 percent greater muscle mass, respectively, than those with lower levels.

Healthy eating

Eating lots of high-quality plant foods and eating low amounts of animal-based foods, refined grains, added sugars, processed foods and unhealthy fats is good for your heart health. A plant-based diet can improve cholesterol and lower blood pressure. It also helps to protect against oxidative damage and to reduce inflammation.

Research has linked ultra processed foods to a higher risk for obesity, heart disease, and cancer. Some processing is relatively benign and even enhances healthy properties. But generally speaking, the farther your food gets from its original “whole” version, the more process and less good it becomes for you.

Research shows that our lifestyle choices — the foods we eat, the chemicals we are exposed to, how active we choose to be, even our mindset — can actually alter our health at the level of the gene.

Positive input = healthy gene expression.#epigenetics #optimalhealth #health pic.twitter.com/k2uYSGPHsh

— Lori Shemek, PhD (@LoriShemek) October 27, 2020

Healthy eating plan

What matters most is following a healthy eating plan. In one 2018 study involving more than 81,000 women, those whose diets most closely matched one of three heart-healthy eating patterns—alternate Mediterranean, Dietary Approaches to Stop Hypertension (DASH), and 2010 Alternative Healthy Eating Index—had a lower risk of developing chronic diseases over the 22-year study period.

To make it simple, at each meal fill half your plate with fruits and veggies (but limit starchy ones, such as potatoes). The other half should be made up of whole grains and plant-based protein, such as tofu, lentils, or nuts, most days, with modest amounts of fish, lean meat, and poultry less often.

References:

A Powerful Attribute for Success: Mindset

Posted on October 29, 2020 by admin

Act in spite of fear!

Failure is a necessary evil on the road to success.

Your mindset is probably holding you back from creating the abundant life you dream and desire. Your mindset is your collection of thoughts and beliefs that shape your thought and habits. And your thoughts and habits affect how you think, what you feel, and what you do. Your mindset impacts how you make sense of the world, and how you make sense of yourself.

‘The 2% Mindset’.

“Adapting a growth mindset means recognizing that success is not about avoiding failures, but rather about embracing them, taking on challenges, and not giving up.” James Clear.

With a 2% or growth mindset, people believe that their most basic abilities and skills can be developed through dedication, deliberate practice, effort and hard work. This view of mindset creates a love of learning, growing and a resilience that is essential for success.

“To live is the rarest thing in the world. Most people exist, that is all.” Oscar Wilde

It’s postulated that only 2% of the population go for their dreams with confidence and excitement. They make a conscious decision to live “outside the box”. They have the confidence to live a life of adventure and are willing to go for their dreams….the bigger the better.

Only 2% of the population choose happiness and fulfillment. Only 2% of the population get the most out of life by exploring new things and embracing the unknown. Only 2% of the population live life without limits and act in spite of fear. In other words, only 2% of the population live a life beyond their comfort zone.

To achieve this mindset, you must actively change your way of thinking. You must act in spite of the fear. Rather than fear the unknown these 2% embrace the unknown. Change is something to be embraced, as well, and they seek it with gusto. The 2% have been able to embody an abundance mindset, not merely as a concept but as a way of being. A life of contentment and fulfillment is their ultimate prize.

The remaining 98% of the population

The majority of the people (98%) in this world make a conscious decision to live in a comfort zone of their own making. They remain in their comfort zone and are content with just getting by. This zone is a place that is easy, routine, and secure. It is easy to be like everyone else as it helps keep fear at bay.

98% of the population live their lives playing it safe, doing the right things and save themselves for some future event that never happens. 98% of the population enjoy being like everyone else and simply let life push them into submission because they have no guts. Deep down inside they are fearful and terrified of taking risks and end up settling for less. They really want to succeed, but the fear of losing is greater than the excitement of succeeding. 98% of the population will look back one day and know that deep down inside they didn’t go for it.

“Success occurs when your dreams get bigger than your excuses.” Anonymous

Fear, a powerful teacher.

The fear of failure is preventing you from realizing your true potential. It stops you from going for your dreams, be that public speaking, or maybe starting your own business. Most people wished that they had honored even a half of their dreams and had died knowing that it was due to choices they had made, or not made. But, “you need to fail, learn how to fail and condition yourself to fail” in order to find success, according to Tim Ferris.

Where there is uncertainty and fear, it’s easy to stay in your comfort zone and not face the unknowns. You experience resistance. Resistance is fueled by fear. And you feel fear because you don’t know what you don’t know and so you make up stories.

It’s important to embrace the unknown; find out how truly exiting and reinvigorating it can be. Live without limits, and enjoy exploring new things.

Regrets of the dying:

“Remembering that I’ll be dead soon is the most important tool I’ve ever encountered to help me make the big choices in life. All fear of embarrassment or failure — these things just fall away in the face of death, leaving only what is truly important.” Steve Jobs

Bonnie Ware, an Australian palliative nurse, counseled the dying in their last days and recorded their most common regrets. In her book The Top Five Regrets of the Dying – A Life Transformed by the Dearly Departing, she shared the top five regrets of the dying:

I wish I’d had the courage to live a life true to myself, not the life others expected of me.
I wish I hadn’t worked so hard.
I wish I’d had the courage to express my feelings.
I wish I had stayed in touch with my friends.
I wish that I had allowed myself to be happier.

Take these five wishes of the dying to heart and avoid living a life full of regrets and unrealized dreams. Mark Twin said it best: “Twenty years from now you will be more disappointed by the things you didn’t do than by the ones you did. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream.”

“Health brings a freedom very few realise, until they no longer have it.” Bonnie Ware

References:

Brownlee Global: Gratitude to Greatness

Gratitude is a Powerful Tool That Can Help People Live the Lives They Want

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