The Future of Healthcare With Dr. Myles Spar – Thrive Global

The annual physical needs to be completely overhauled to include a focus on prevention rather than merely identifying whats already broken. Studies have shown the annual physical, as is currently done, has no impact on mortality. We need to include more predictive biomarkers that can lead to proactive lifestyle or medication changes which can help to prevent serious problems down the road.

Asa part of my interview series with leaders in healthcare, I had the pleasure to interview Dr. Myles Spar. Dr. Spar is founder of the Tack180 Integrative Health Program and is now the Chief Medical Officer for Vault Health, an optimal health program for men. He is also the director of the Integrative Medicine program at the Simms-Mann Health and Wellness Center at Venice Family Clinic. He is a Clinical faculty member of the UCLA and University of Arizona Schools of Medicine. Dr Spar has served as a consultant to the NBA, working with many NBA teams on optimal health and Integrative Medicine issues. He co-edited Integrative Mens Health from Oxford University Press and his book, Optimal Mens Health: Your guide to being healthy in order to win! comes out in February 2020. Dr. Spar is the recipient of the Bravewell Award for Leadership in Integrative Medicine in 2013. Born in Charleston, South Carolina, Dr. Spar attended the University of Michigan Medical School and worked as a humanitarian for Medecins sans Frontieres/Doctors without Borders, which triggered his appreciation for the role of health in each persons ability to achieve their goals.

Thank you so much for doing this with us Dr. Spar! Can you tell us a story about what brought you to this specific career path?

Ifinished my medical training in Internal Medicine feeling wholly unprepared to really address a good 50% of what my patients needed help with preventing disease, being proactive or incorporating simple lifestyle changes in order to help manage chronic conditions. I was taught how to prescribe medications. So, I figured if I was only really trained to treat acute disease I might as well go where acute disease is really bad so I joined Doctors without Borders. It was when I was working abroad with that amazing organization that I saw the power of non-western interventions on the ability to stay healthy. I saw people who were eating relatively healthy and engaging in regular activity with tight family and community structures elements that were clearly contributing substantially to health. So, I came back to the U.S. committed to learning what else was science-based that I could include in my Doctors tool-kit besides a prescription pad.

Can you share the most interesting story that happened to you since you began leading your company?

Im always asked why I cant include women in my mens health program. I think many women also appreciate a goal-oriented, direct, heres what to do next approach to health, yet most practitioners talk a lot about general ideas of wellness and prevention without specific plans.

Can you share a story about the funniest mistake you made when you were first starting? Can you tell us what lesson you learned from that?

One of the funniest mistakes I made early on was to use the language of Integrative Medicine that I had learned focusing on holistic practice and wellness. This was funny because I was trying to reach men, and I was having a very hard time getting my business going. It took me a while to realize that men arent ever going to miss eating a hotdog in the name of wellness. But tell him that eating hotdogs will impact his ability to get erections, and hell never eat a hotdog again. I learned how to engage men in their health by focusing on their goals not just sexual goals, but what goals mattered to them beyond abstract ideas of wellness.

What do you think makes your company stand out? Can you share a story?

We offer men specific strategies to achieve their goals and see health as a tool to achieve those goals not as the goal itself. I had a patient who had high blood pressure that he was trying to get under control. Every time he went to his doctor, they reviewed his blood pressure log and tweaked his medications. He came to me and I asked about his goals why did it matter to him whether or not his blood pressure was under control and he was floored. No one had ever asked him that . Once we identified that his goal was to play tennis without getting as winded or worrying about his heart, he was much more engaged in changing his diet and working on stress things that made a big difference in his blood pressure.

We focus on what matters to the patient not whats the matter with the patient and offer a strategy to optimize health so that he can achieve his goals. Thats unlike most medical encounters.

What advice would you give to other healthcare leaders to help their team to thrive?

Keep the patient front and center and treat each one like youd want to be treated or like youd want your Mom to be treated.

Ok, thank you for that. Lets jump to the main focus of our interview. According tothis studycited by Newsweek, the US healthcare system is ranked as the worst among high income nations. This seems shocking. Can you share with us 35 reasons why you think the US is ranked so poorly?

1 Social determinants of health weigh heavily on outcomes. Your zip code is a stronger predictor of when you will die than anything else. That speaks volumes.

2 Many people in the U.S. would rather eat poorly, avoid exercise and sleep minimally and take a pill to deal with the repercussions rather than change their lifestyle.

3 Our training as doctors is all about treatment of acute illness, so that remains our focus. We dont learn about prevention or lifestyle approaches to staying healthy.

You are a healthcare insider. If you had the power to make a change, can you share 5 changes that need to be made to improve the overall US healthcare system? Please share a story or example for each.

1 Focus on goals rather than chief complaints. If we started each visit asking patients what they wanted their health for, it would frame all encounters differently making it about what the patient wants and needs, rather than simply what is wrong that needs fixing. Its a very different dynamic that gets created, with practitioner as guide and facilitator rather than purveyor of medications.

2 The annual physical needs to be completely overhauled to include a focus on prevention rather than merely identifying whats already broken. Studies have shown the annual physical, as is currently done, has no impact on mortality. We need to include more predictive biomarkers that can lead to proactive lifestyle or medication changes which can help to prevent serious problems down the road.

3 At Vault, we will equip every member with a wearable device and a dashboard, enabling men to track their outcomes of interest and learn what health interventions really impact the aspects of their health that matters to them. That helps gain real insight into which lifestyle habits make the biggest impacts for each individual.

4 We need to make it easier for men to want to learn how to get healthier making it macho to seek care when needed.

5 We need a single payer system for primary health care. When profit is the goal, quality of care becomes secondary and access to care becomes tiered in unfair ways

Ok, its very nice to suggest changes, but what concrete steps would have to be done to actually manifest these changes? What can a) individuals, b) corporations, c) communities and d) leaders do to help?

1 Practitioners can learn more about the healthiest diets, ways to exercise and manage stress and ways to help patients with sleep focusing more on lifestyle recommendations than medication prescribing.

2 Communities can strive to be like the Blue Zones, incorporating schools, health departments, city planners and local restaurants in initiatives that make it easier to move, interact and eat in healthier ways.

3 Male professional athletes and other male role models can encourage men to take better care of themselves and to reach out for help when needed.

4 We need to change our industrial agriculture policy such that nonorganic GMO crops are not subsidized and organic fruits and vegetables are, so that there can be cheaper good quality food available across all populations.

Im interested in the interplay between the general healthcare system and the mental health system. Right now, we have two parallel tracks, mental/behavioral health and general health. What are your thoughts about this status quo? What would you suggest to improve this?

1 Life expectancy is dropping, largely from drug-related deaths and suicides. There needs to be less of a stigma for men to admit to feeling anxious or stressed or depressed and to seek help when needed. Professional athletes like Kevin Love and Demar Derozan have gone public with their mental health issues, opening up this door for men to seek help when needed. We need to make more of an effort to make it comfortable for men to get help.

How would you define an excellent healthcare provider?

One who meets the patient where they are at and focuses on what matters to the patient, not whats the matter with the patient.

Can you please give us your favorite Life Lesson Quote? Can you share how that was relevant to you in your life?

Assume a virtue if you have it not.

William Shakespeare

I often tell patients who dont think they can change their diet or start to exercise, that they should act as if they eat healthier or are an avid exerciser, and by, God, they will become that which they pretend to be.

Are you working on any exciting new projects now? How do you think that will help people?

I just started as Chief Medical Officer of Vault Health a corporation dedicated to bringing performance and prevention-oriented health tools to men. I think we will engage men in caring for their health such that we will shrink the difference in life expectancy between men and women.

What are your favorite books, podcasts, or resources that inspire you to be a better healthcare leader? Can you explain why you like them?

I love the podcasts The Drive by Peter Attia and the Rich Roll Podcast. Peter is a brilliant doctor who covers in-depth information about cutting edge health topics related to aging and prevention. Rich is an ultra-triathlete who is plant powered he is also brilliant and a terrific interviewer.

I am excited by the work of David Perlmutter and Dale Bredesen regarding neurologic health, so I am an avid reader and listener to anything they write or say.

You are a person of great influence. If you could inspire a movement that would bring the most amount of good to the most amount of people, what would that be? You never know what your idea can trigger.

I aim to inspire a movement for men to engage in being proactive about their health, recognizing that healthy food, regular movement, managing stress, sleeping better and connecting with others are fundamental to achieving their goals.

How can our readers follow you on social media?

Instagram @DrSpar

Twitter @drspar

Facebook MylesSparMD

Thank you so much for these insights! This was so inspiring!

Read more here:
The Future of Healthcare With Dr. Myles Spar - Thrive Global

Gong Bath Meditation is becoming more popular in Wisconsin – WTMJ-TV

MILWAUKEE In 2019, alternative methods of self help and integrative medicine are becoming more and more popular. CBD products are found in large department stores. Yoga, while it has been prevalent in American culture for a long time, is still growing in popularity. Meditation is common, but there is one type of meditation that is gaining steam in Milwaukee and the United States. It's called Gong Bath Meditation.

"There's a lot of sound and it sounds really good," Andrew Royal, a psychotherapist and host of gong baths, said in simple terms.

It's a form of sound or music therapy.

The participant lays down on a yoga mat. They can use a pillow and/or blanket for added comfort. The host of the meditation will hit a gong, and the swelling sound and reverberations are meant to relax you.

"We dim the lights and then start to play and then let the sounds carry us all to whoever it needs to," Royal said.

These aren't small echoes either. The gong creates a thick and full sound that reverberates throughout the room and you can feel it in your chest.

Plus, there is no sheet music or specific song. It is all improvised, his partner and fellow practitioner Adriana Royal, said.

"It's usually just receiving the sound and responding to it," Adriana Royal, an acupuncturist, said.

Both can play at once or they can switch off playing the two gongs they own. They have different sized and textured mallets which they use to generate various sounds and frequencies. Some mallets are large, hollow, and soft. Others are small, dense, and hard.

"Size and also the density of it will create loud or softer sounds," Adriana said.

The setting of a gong bath is designed to create maximum comfort to allow the participant to loose themselves in the sound.

"We try to not describe at all what's going to happen, but we ask people to be receptive as they can be to whatever it is that's going to happen," Andrew Royal said.

Both Royals noted that gong baths can have various effects on a person. While the goal is to put you in an almost sedated-trance-like-state, that doesn't mean your mind will go blank.

"(Two people) laying right next to each other on the floor, and one person says something like it was so loud I could barely stand it and then the person next to them says I thought it was really quiet," Andrew Royal said.

The first descriptions of gongs dates back to 6th century China; however, it is believed that gongs were used for thousands of years before that. In the 1790's, gongs were used in western European orchestra performances. It's unclear when they became a specific meditative practice or brought to the U.S., but gongs have always been used for ceremonial, musical, and religious purposes.

"There (are) some people who know this is not like a secret anymore," Andrew Royal said.

Now, gong baths are gaining popularity in the U.S. and Milwaukee. There are some of the places that offer gong bath meditations in southeast Wisconsin including:

Gong baths can also be done during commemorative times. The Royals have hosted meditations at baptisms, birthdays, and memorial services.

"Literally we are holding space for people to meditate together," Adriana Royal said.

View original post here:
Gong Bath Meditation is becoming more popular in Wisconsin - WTMJ-TV

Here’s Everything You Need to Know About Fish Oil Supplements – Yahoo Lifestyle

One of the most popular supplements on the market is fish oil. Celebrities and wellness gurus alike take it to make their hair thicker, their skin more supple, and their nails stronger. Doctors recommend it for its anti-inflammatory benefits: It can actually help reduce the risk of heart disease, cancer, dementia, symptoms of rheumatoid arthritis, and age-related macular degeneration, among other diseases, says Sydney Axelrod, a dietitian at the Mount Sinai Health System. "For people who are at high risk of developing cardiovascular disease, taking fish oil supplements for at least six months has been shown to reduce risk of heart-related events, such as a heart attacks, and even death," she says.

Omega-3 fatty acids are the star nutrients in fish oil that give them these healthful, anti-inflammatory benefits. In a nutshell, omega-3s are a group of polyunsaturated fats that the body doesn't make on its own, so it's essential to get them from food. There are three well-known types of omega-3s: alpha-linolenic acid (ALA), eicosapentaenoic acid (EPA), and docosahexaenoic acid (DHA). ALA can be found in nuts and plants, but EPA and DHA can only be sourced from fish. All three, however, are needed for healthy mental and physical functionand fish oil supplements can help increase DHA and EPA levels. However, these supplementsas with everythingare neither a magic pill nor a quick fix. Here, everything you need to know about fish oil supplements.

Related: Should You Take a Dietary Supplement?

"As with many supplements, there is a difference between getting the nutrient from its source and getting it extracted into a supplement," says Dr. Richard Firshein, founder of the Firshein Center for Integrative Medicine. "My advice is always to get nutrients from foods first. With fish, twice per week would be ideal. Salmon and sardines are the best source of omega-3s, without the risk of excessive mercury exposure," he says.

Choose your supplement wisely, since fish oils can be contaminated with mercury or heavy metals. An easy way to protect yourself? Use one that's pharmaceutical grade. Look for a "third-party tested" stamp on them, too (a popular third-party tester is GOED, the Global Organization for EPA and DHA Omega-3); it's essentially a stamp of approval for purity. "It shows the supplements are probably safe and actually contain what they say they do," Alexrod says. Ensure that your supplement contains about 1,000 milligrams of fish oil, with 180 milligrams of EPA and 120 milligrams of DHA, she explains, adding that Nutrigold Triple Strength Fish Oil Omega-3 Gold ($22.38, nutrigold.com)covers all of those bases.

Finally, Axelrod says to consider fish oil that is certified by the Marine Stewardship Council, the Environmental Defense Fund, or a similar organization, as "small fish with short lifespans tend to be more sustainable," she says. And don't forget to check the expiration date. "Omega-3s are prone to going rancid," she says. "Once they go bad, they will have a foul smell, and become less potent or even harmful." Make sure the supplement contains an antioxidant, like vitamin E, which will keep it fresh and help prevent oxidation, she adds.

"Omega-3s are essential nutrients for both mom and baby," says Perri Halperin, clinical nutrition coordinator at Mount Sinai. "Research has shown that including EPA and DHA in the diet during pregnancy has a positive effect on the cognitive development of the baby and reduces the risk of pre-term labor."

The anti-inflammatory properties in fish oil can protect hair follicles and reduce dryness and irritation, Dr. Firshein says. "Some studies have shown a positive relationship between omega-3 fatty acids containing supplements and hair health," Halperin adds. "However, these studies are limited and more research is needed to examine the effect of fish oil on hair growth."

Related: What to Eat for Your Healthiest Hair Ever

While Axelrod says the anti-inflammatory factor in fish oil may reduce acne in some people, in others, they may actually cause blemishes, Dr. Firshein warns. "Fish oils may interact with hormones, and this may create an imbalance that promotes acne in people who are predisposed," he says. "Other less understood factors may include reactions to bacteria in the gut, and excess oil or sebum production, which stimulate bacterial growth on the skin."

"Taking too much fish oil can lead to vitamin toxicities and an overdose of omega-3 fatty acids," Halperin says. "The FDA recommends no more than three grams per day of EPA and DHA combined, including up to two grams per day from dietary supplements." Side effects from over-supplementation can include bleeding problems, compromised immune function, nausea, vomiting, and diarrhea. (Plus, fish oils may thin blood, Dr. Firshein says, so if you have a history of bleeding disorders or stroke, be sure to discuss taking supplements with your doctor; take the same approach if you have a diagnosed fish allergy.)

"This is a relatively new concern as we continue to pollute the earth with plastics and marine life consumes them," Dr. Firshein says. "At this point, I wouldn't recommend people just taking a fish oil pill without understanding why they are taking them. But with current purification processes, we can be relatively assured there is a low risk of plastic exposure. We currently lack tests to determine the smallest molecules, however fish liver would most likely be contaminated the most."

As for mercury? Halperin says that one independent study regarding fish oil supplements found that all of the products tested contained only very low levels of mercury, ranging from one six parts per billion per serving, which is well below 100 parts per billion, the upper safety limit set by the Global Organization for EPA and DHA Omega-3s. Even if fish oil supplements don't do everything doctors hoped, "they're still an important supplement to consider for anyone concerned about their health," Dr. Firshein says.

Read more:
Here's Everything You Need to Know About Fish Oil Supplements - Yahoo Lifestyle

Dr. John Chessare – Maryland Daily Record

President and CEOGBMC HealthCare

Dr. John Chessare has made major changes at GBMC HealthCare since taking over as president and CEO in 2010. In late 2010, Chessare put the health system on a new course by working with the board of directors on a vision statement.

We must transform our philosophy and organizational structure and develop a model system for delivering patient-centered care, he wrote in part in the statement. We define patient-centered care as the care that manages the patients health effectively and efficiently while respecting the perspective and experience of the patient and the patients family.

Chessare started his medical career as a pediatrician but moved into leadership and management because he saw that while employees are dedicated and professional, many health systems are poorly designed.

Our vision forces us to redesign care, he said. Redesigning care has become our core competency. We are out ahead of most organizations in the movement from volume to value in health care because of this. We are thriving as a company because of our ability to redesign and innovate.

Among the innovations under Chessare are patient-centered medical homes that provide advanced primary care in 10 sites in Baltimore County and city, home elder medical care for frail senior citizens and the systems integrative and palliative medicine programs.

Our countrys health care system is so wasteful and is not meeting the needs of the American people, so it is a joy for me to come to work every day to build (a working) system, he said in a 2018 interview.

More here:
Dr. John Chessare - Maryland Daily Record

Meet University of Arizona Arthritis Center researchers – Jewish Post

Conquering Arthritis Meet the University of Arizona Arthritis Center Researchers will be presented Wednesday, Nov. 6, 6-7:15 p.m., at the Health Sciences Innovation Building on the UA Health Science campus, 1670 E. Drachman St., Tucson.

This event features a look into the future of care, prevention, and ultimately a cure, for this debilitating disease. A panel discussion with UArizona Arthritis Center Director C. Kent Kwoh, MD, pain management specialist Mohab Ibrahim, PhD, MD, and mind-body medicine pioneer Esther Sternberg, MD, will follow the researcher open house and poster displays.

The U.S. Centers for Disease Control and Prevention estimate nearly 55 million Americans have some form of arthritis, including almost half of those over age 65. Arthritis affects more women than men and can affect children as young as 6 months old. It is the leading cause of disability in the United States.

The UArizona Arthritis Center is Arizonas only multi-disciplinary center of excellence dedicated to research and education into the causes, treatments and eventually a cure for arthritis. The center conducts basic, translational and epidemiological research to understand why patients get arthritis, the risk factors for who gets arthritis and analyzes the outcomes to understand how arthritis impacts the patients quality of life.

Featured UArizona Arthritis Center researchers who will present at the event include:

Research topics will include:

Seating for the lecture is limited and prior registration is requested. For more information or to register, visit the UArizona Arthritis Center website, arthritis.arizona.edu, or call 520-626-5040 or email [emailprotected]

Free parking is available after 5 p.m. in the Lot Specific 2012 parking lot next to the Health Sciences Innovation Building and the Lot Specific 2147 parking lot across the street on Cherry Avenue between Helen and Mabel Streets, as well as in all Lot Specific parking lots on the UArizona Health Sciences campus and the Health Sciences Garage (formerly the Banner University Medical Center Tucson Visitor/Patient Parking Garage) at 1501 N. Campbell Ave. For disabled parking, or drop off location next to the Health Sciences Innovation Building, please email [emailprotected], or call 520-626-5040.

If you have questions concerning access, wish to request a Sign Language interpreter or disability-related accommodations, contact Tracy Shake, 520-626-5040, email: [emailprotected]

The lecture is part of the Living Healthy with Arthritis series of free monthly talks presented by the UArizona Arthritis Center at the UArizona College of Medicine Tucson and supported through the Susan and Saul Tobin Endowment for Research and Education in Rheumatology.

Read the original post:
Meet University of Arizona Arthritis Center researchers - Jewish Post

Hawaii Natural Medicine Offers IV Nutritional Therapy for Wellness – KHON2

Posted: Nov 1, 2019 / 02:59 PM HST / Updated: Nov 1, 2019 / 02:59 PM HST

Honolulu (KHON2) IV Nutritional therapy is nolonger just a secret of the stars, its catching on with locals who see thebenefits of getting a cocktail of vitamins and minerals at HawaiiNatural Medicine.

Dr. Stephen Benchouk welcomed Living808 to seehow it works, saying IV Vitamin Therapy is anintravenous injection that delivers vitamins, minerals, and amino acidsnutrients directly to the cells of the body. These nutrients are directlyabsorbed into the circulatory system, bypassing the gastrointestinal tractthereby increasing the absorptive and therapeutic capability. It is oftenprescribed as part of a complete, holistic and individualized treatmentplan.

Many clients use IV therapyfor colds, flu, fatigue, jetlag, hangover, and dehydration, or for pre and postexercise recovery.

Clients fill out an intake form and based on the clients chief concerns, and an infusion is customized for that individual.

According to Dr. Benchouk, Morecomplicated cases such as cancer, autoimmune conditions and chronic diseasewill need a more comprehensive protocol which may include diet, supplements,herbs, medication, and life style changes.

IV Nutritional therapy has been around for years, Dr. Myers made it popular back in the 60s treating a variety of condition with a cocktail of vitamins and minerals.Since then, adds Benchouk, there has been decades of research on the effectiveness of using specific nutrients to treat specific conditions safely and without many of the side effects associated with some conventional medications. It has been used extensively by naturopathic doctors who are trained in application of therapeutic nutrition in both acute and chronic conditions.

Dr. Benchouk is a naturopathic doctor ora primary care physician who specializes in alternative and integrativemedicine. One of his most effective and popular treatments is IV vitamintherapy.

Clients are looking to treat the cause of their health concerns or looking for an alternative to convention medical treatments as those treatments come with side effects or are no longer effective. HNM specializes in integrative oncology, chronic conditions like autoimmune disorders, gastro intestinal disorders, endocrine disorders, most chronic conditions, and general wellness and prevention.

The IV treatments have gotten sopopular, HNM recently launched a mobile service called IV Drip Hawaii.

Mention Living808 and throughoutNovember, youll receive 15% off your introductory IV Vitamin Therapy.

Websites: http://www.hawaiinaturalmedicine.com https://ivdriphawaii.com/

Hawaii Natural Medicine islocated at 1188 Bishop Street, Suite 1605

See more here:
Hawaii Natural Medicine Offers IV Nutritional Therapy for Wellness - KHON2

Want to be a better person? Meditation is not enough. – Thrive Global

Photo byZoltan TasionUnsplash

For about 7 years, our team, now known as YogaX , has been promoting the integrative nature of yoga practice and philosophy. We have demonstrated via research that integrated yoga can be helpful in the fields of medicine, psychology, and physical exercise. It is now becoming clear that our emphasis on teaching a yoga that is inclusive of holistic lifestyle practices is also important to the field of mindfulness. Over the past decades, mindfulness has emerged as a powerful intervention in many contexts. Thanks to influential scientists, such as Jon Kabbat-Zin and Rick Hanson, and technology solutions, such as Calm, Headspace, and Insight Timer, mindfulness has become a widely-accepted and common practice.

Mindfulnesshas achieved a can-do-no-harmreputation. However, have you ever met adaily meditator who creates harm, lacks awareness, demands attention, fishesfor compliments, or plays on a phone through a conversation? Of course, we all have! Meditation cannotexcuse us from being human and it is not a complete solution for lifeimprovement.

Psychologicalresearch asserts that awareness is necessary but not sufficient forchange. Mindfulness is often practiced asan attention-strengthening activity. Forexample, the act of listening to a meditation for 5 minutes in the morning ornoticing your breathing for 10 minutes after lunch helps build the capacity forpaying attention. Enhanced attention isincredibly helpful and a necessary ingredient for change. However, without a path to help place attentionon life practices that create harmony and purpose, attention is simply noticing;in and of itself, it not transformed into change.

A recent article by Eric Dolan in PsyPost this August (link here) reviewed a study demonstrating that the non-judgmental practice of mindfulness may actually increase immoral behavior in meditators. The study involved 714 German adults (Study linked here) assigned to a brief mindfulness meditation practice or listened to a control recording. Participants assigned to the mindfulness condition showed less effort toward repairing damage, for example, after losing a friends bicycle. One possible explanation is that non-reactiveness facilitated by meditation reduced negative feelings caused by losing the bicycle. This reduction in negative affect may have resulted in less effort to repair the relationship and make amends.

Although researchers continue to question and explore themechanism of action that might have given rise to this finding, the point iswell taken. Mindfulness by itself doesnot provide guidance about how to live an ethical life. It is designed to increase the capacity forawareness and concentration. While theseskills have a number of standalone benefits, including decreased stress andstress-related physical reactions, they are not skills that necessarilytranslate into ethical or moral action.

Yoga philosophy, on the other hand, treats mindfulness asonly one part of a larger system of living called the eight limbs of yoga. The eight limbs of yoga detail a path towardsawakening, the final state of meditative consciousness. The eight limbs are as follows:

Limb 1 Yamas: ethical life choices

Limb 2 Niyamas: disciplined lifestyle

Limb 3 Asana: movement and posture

Limb 4 Pranayama: breath and energy awareness

Limb 5 Pratyahara: sense withdrawal to turn inward

Limb 6 Dharana: concentration

Limb 7 Dhyana: meditation

Limb 8 Samadhi: absorption or union with a greater whole

The foundational practices of the eight limbs are the ethicaland disciplined lifestyle choices (called the Yamas and Niyamas, which you canread about in our blog). Yoga ethics encourage us to promotepeacefulness (non-harming), truthfulness, non-stealing, moderation, andnon-passiveness. Yoga discipline guidesus towards living a life of purity, contentment, discipline, self-reflectionand dedication to the greater good.These practices lay the necessary foundation and create a helpfulcontainer for the development of breath work, movement, and the inner practicesof concentration and meditation.

In this tradition of yoga, mindfulness and meditation practicesare not recommended until ethical practices, personal discipline, breath awareness,embodied movement, and withdrawal of senses are in place. The contemporary urge is to cultivate mindfulnessas a quick tool that facilitates a better system of living. In yoga, however, mindfulness and meditationare practices that rest on and support a holistic and comprehensive lifestyleof compassion, lovingkindness, and joy.

We hope that these yogic wisdoms widen your understanding ofmindfulness and to consider situating your mindfulness practice within a largersystem of living that includes self-inquiry, breathing, and physicalpractice. This holistic approach mightjust enhance your experience of meditation and make you a better person in theprocess.

Thank you for reading.

YogaX

Go here to see the original:
Want to be a better person? Meditation is not enough. - Thrive Global

blocked growth of J&K higher education institutions: Singh – IndiaPost.com

KATRA (J&K): Union minister Jitendra Singh on Monday said Article 370, which gave special status to Jammu and Kashmir, had blocked the growth of higher education in the erstwhile state, and halted the academic institutions to evolve at par with those in the rest of India.

Singh said even though Prime Minister Narendra Modi gave highest priority to the state and the Centre went out of the way to approve new institutions of higher education, growth of such institutions got thwarted by the vested interests using the bogey of Article 370.

The minister of state in the Prime Ministers Office (PMO) was addressing the inaugural session of the three-day international conference on applied biology and biotechnology at the Shri Mata Vaishno Devi University (SMVDU).

In the past five years, Singh said, the state was given two All India Institute of Medical Sciences (AIIMS), an Indian Institute of Management (IIM) and Indian Institute of Technology (IIT), nearly eight centrally-funded medical colleges, including three of them in his parliamentary constituency of Udhampur.

The minister said these institutions failed to pick up because of lack of faculty and lack of research module despite liberal funding from the Modi government,

According to Singh, for any university or institute of higher education to grow, the basic prerequisites include exclusive department or streams of study for research and high standards of research publications, which, in turn, depend upon eminent faculty members selected purely on the basis of merit.

However, the minister added, in the garb of Article 370, no eminent faculty was ready to come here because instead of providing them incentives, they were being offered no incentives.

He also took a dig at the votaries of Article 370 for wrongly citing the name of Maharaja Hari Singh, who signed the instrument of accession to merge Jammu and Kashmir into the Union of India in 1947, to support their argument.

The minister said it was Hari Singh who had brought Ram Nath Chopra from Kolkata and offered him the facility and incentive to start the drug research laboratory (DRL), which is now known as the Indian Institute of Integrative Medicine (IIIM), Jammu, and is one of the important nationally-renowned institutions.

Much before Independence, he said, Hari Singh used to ensure best of the teaching faculty from outside for the then Prince of Wales College at Jammu.Jitendra Singh emphasised the need to go for the best faculty from any part of the country without any compromise. He suggested greater collaboration of the university with other eminent academic institutions in the region, which according to him, could help in value addition to the education standards. PTI

comments

See original here:
blocked growth of J&K higher education institutions: Singh - IndiaPost.com

Two minutes to lift your mood – Times of India

You dont need big changes to lift your mood. Turn around your hectic day in a jiffy with a few quick tricks Flip through photosWhen you are feeling down, pick your childhood albums or take out your kids baby albums. It may actually make you feel happier than a square of chocolate. Researchers at UKs Open University found this after they examined how much peoples moods rose after looking at personal photos. The study says viewing your old or new happy pictures makes people feel 11% better. Inhale calming scentsFill your indoor space with vanilla or lavender essence. In an Austrian study, researchers wafted the smell of lavender for people. The group felt less anxious, more positive, and calmer when compared with participants not exposed to any fragrance.Open the windowsTo feel happy in seconds, let sunlight stream in. One study of more than 450 women found that those who got the most light, particularly in the morning, reported better mood. Combine exercise with morning light. The exposure amplifies lights beneficial effects on mood, sleep, and alertness.Watch a funny videoA hearty laugh produces a chemical reaction that instantly elevates your mood. When stress builds up or you feel you may snap, make yourself giggle: Watch a funny video clip online.Chop vegetablesYes, this is therapy. According to Andrew Weil, MD, an integrative medicine expert, after a particularly emotional and stressful day, the act of chopping vegetables creates something wonderful this process neutralises the negative mental state in no time.Massage your handsThe act of massaging your hands with oil or cream and rubbing them instantly lifts your mood. Hands and wrists have your pulse points. Happiness is just a tight squeeze away. According to Matt Hertenstein, associate professor of psychology, DePauw University (Indiana, US), even 10 minutes with a massage therapist (or a generous friend) will light up your brains reward centre, get the oxytocin flowing, and have a big effect on your mood, not to mention help relieve aches and pains. Most scientists think that even self-massage, like rubbing your own feet, can rid you of negative emotions.

More here:
Two minutes to lift your mood - Times of India

Pollution In Delhi: Herbal Teas And Other Ways To Reduce Cough, Cold And Other Health Risks – NDTV News

Delhi Pollution: Keep your indoors clean and dust-free to prevent air pollution health risks

Air quality in Delhi has reached severe category and people have started to experience the health hazards associated with it. Many are experiencing increased coughing, sneezing, irritation in the throat, etc. Alongside is the dip in weather, which is only making things worse. This is the perfect time to have some soothing, herbal teas that can provide relief from health hazards associated with air pollution and also calm you down. In an effort to help with respiratory problems deal with the hazards effects of air pollution, lifestyle coach Luke Coutinho takes to Instagram to share a herbal tea.

Made with ginger, cinnamon and other herbal spices, this herbal tea can reduce irritation in throat, cough, cold, sneezing, etc. You can have it early in the morning, in between meals or in evening.

Sipping warm tea during change in weather in rising pollution can have a soothing effect on your throatPhoto Credit: iStock

Also read:Prolonged Air Pollution Could Affect Your Mood And Work Productivity

To prepare this herbal tea, you need ginger (1 inch piece). 1 tsp of dried ginger powder can also be used as a replacement. Then, take Ceylon cinnamon stick (1) or cinnamon powder (1/4 tsp); basil/tulsi leaves (1/2 tsp); dry or fresh oregano (1 tsp); pepper corns (3), crushed elaichi (2); fennel seeds (1/4 tsp); ajwain or carrom seeds (a tiny pinch); jeera or cumin (1/4 tsp). You can also add optional ingredients: 1-2 cloves of crushed garlic.

Take all the ingredients and them in 2 cups of water. Boil them and reduce it to half. Strain the ingredients and sip on it warm. You can also add some honey or jaggery to the herbal to sweeten its taste.

Also read:Here's How You Can Protect Yourself From Poor Air Quality

1. An age-old and effective home remedy to control cough is chewing some jaggery or gud. Not only does it help in controlling cough, it can also help in removing harmful toxins from your lungs and respiratory tract.

2. Include more ginger in your diet. Apart from the herbal tea mentioned above, you can also try ginger, honey and lemon tea. You can take some grated ginger, lemon juice and honey and add it to boiling water. Strain the mixture and sip warm. It can control your cough, cold and congestion. Ginger contains gingerol and other compounds that can reduce inflammation in the airways and inhibit airway contraction.

Anti-inflammatory properties of ginger can reduce air pollution health risksPhoto Credit: iStock

3. You can also include garlic in your diet as it boost your immunity and help in fighting infections. Garlic has anti-inflammatory properties that can reduce symptoms of asthma as well.

Also read:Beat Ill Effects Of Air Pollution With These Lifestyle Changes That Can Cleanse Your Lungs Naturally

4. Citrus fruits like lemon, amla and oranges can boost your immunity and reduce respiratory symptoms caused by air pollution. Vitamin C in citrus fruits have beneficial effect on the body's immunity.

5. Basil (tulsi) juice or tulsi tea is another herbal tea you can have this time of the year. It can keep you warm and reduce ill effects of air pollution.

6. There is nothing that a soothing cup of turmeric latte won't do during cough and cold. From boosting your immunity to reducing inflammation, the traditional haldi doodh is the perfect remedy for dealing with congestion, sneezing, wheezing, cough, cold and asthma.

(Luke Coutinho, Holistic Lifestyle Coach - Integrative Medicine)

Disclaimer: This content including advice provides generic information only. It is in no way a substitute for qualified medical opinion. Always consult a specialist or your own doctor for more information. NDTV does not claim responsibility for this information.

Get Breaking news, live coverage, and Latest News from India and around the world on NDTV.com. Catch all the Live TV action on NDTV 24x7 and NDTV India. Like us on Facebook or follow us on Twitter and Instagram for latest news and live news updates.

Read more from the original source:
Pollution In Delhi: Herbal Teas And Other Ways To Reduce Cough, Cold And Other Health Risks - NDTV News

Struggling With Fertility? Here Are 5 Ways Acupuncture Might Help – mindbodygreen.com

One of the most common reasons a woman cannot conceive is lack of ovulation (anovulation) or very irregular ovulation. One reason for anovulation is polycystic ovarian syndrome (PCOS), a collection of systemic factors creating congested ovaries that do not ovulate at all or ovulate very irregularly. PCOS is the most common hormonal disorder and affects as many as 5 million women of reproductive age in the U.S.

Another reason for anovulation is hypothalamic amenorrhea, a technical name for when the brain and ovaries do not communicate and the ovaries are taking a nap. This is what happens when some women rapidly lose weight, are on too restrictive of a diet, or their BMI is too low and their periods stop. In both cases, hypothalamic amenorrhea and PCOS, studies show acupuncture can help women begin to ovulate regularly. For example, in one study, women with PCOS who received acupuncture treatments for 10 to 13 weeks saw an increase in ovulation frequency, compared to women who only received therapeutic counseling. It is believed this is because acupuncture can stimulate beta-endorphin production, which in turn can stimulate hormones that initiate ovulation and menstruation.

Incorporating targeted nutrition, supplements, and herbs under the guidance of an acupuncturist can be especially helpful for managing the other symptoms associated with these conditions as well, such as acne, insulin resistance, maintaining a healthy BMI, and digestive disorders.

Read more here:
Struggling With Fertility? Here Are 5 Ways Acupuncture Might Help - mindbodygreen.com

Lecture: The Natural Path to Boosting Immunity and Mood – New Canaan Advertiser

Updated 3:32pm EST, Tuesday, November 5, 2019

Jay Wolkoff. Photo: Contributed photo

Jay Wolkoff. Photo: Contributed photo

Photo: Contributed Photo / Contributed Photo

Jay Wolkoff. Photo: Contributed photo

Jay Wolkoff. Photo: Contributed photo

New Canaan Library seeks natural path to well-being

The season of Winter is fast approaching and while many enjoy the New England change of seasons, the winter months also bring the challenge of preserving good health and mood. The New Canaan Library welcomes nutritionist, and dietitian Jay Wolkoff, who will discuss how integrative and natural strategies can boost immunity and ones overall sense of well-being on Sunday, Nov. 10, at 2 p.m. in the librarys Adrian Lamb Room.

To register for the event, visit the librarys website at newcanaanlibrary.org.

While modern-day living allows us to largely insulate ourselves from the outdoors and enjoy produce from temperate and tropical climates, there also is a certain beauty to acclimating our bodies to the cooler months with warming foods, herbs, and spices, an announcement said. In his presentation, Wolkoff uses his extensive knowledge of nutrition and the sciences combined with integrative strategies to demonstrate how one can support his or her bodys natural immunity as well as keep his or her mood up during the darker and cooler months.

Wolkoff weaves together his background in evidence-based nutrition and the emerging sciences, clinical herbalism, appreciation for mind-body medicine, passion for organic gardening, and love of the outdoors, according to an announcement from the library.

Link:
Lecture: The Natural Path to Boosting Immunity and Mood - New Canaan Advertiser

Extreme saver wants to skip retirement so she can give her money away – Fox Business

A TD Ameritrade survey finds that most people believe $1 million is enough to retire. FOX Business Lauren Simonetti with more.

Even though Shang Saavedra and her husband have been financially independent for about three years, Saavedra only recently stopped working so she could take a year-longmaternity leave for her first child.

The couple lives in Manhattan and are followers of the F.I.R.E. Movement -- which means Financial Independence, Retire Early. However, Saavedra and her husband have slightly different goals than the name suggests.

The approach that my husband and I have taken is, financial independence, retire optional, Saavedra, 34, told FOX Business. So its creating optionality and freedom.

MILLENNIAL MILLIONAIRE WHO RETIRED AT 30 EXPLAINS THE SACRIFICES HE MADE TO GET THERE

One of those options is for Saavedra -- a strategy consultant and author of the blog Save My Cents -- to be able to take her maternity leave for a full year.

But we have much bigger goals in mind,including philanthropy and helping other people, which is really motivating us to not stop working and continue to grow our wealth for the benefit of others, she added.

Shang Saavedra, 34, and her husband became financially independent three years ago. (Courtesy of Shang Saavedra)

The couple started their extreme saving by living off just the lower of their two incomes, but it wasnt easy for Saavedra at first.

I spent a greater proportion of my income before coming into marriage than my husband did, she said. And its a sacrifice.

GET FOX BUSINESS ON THE GO BY CLICKING HERE

She eventually had a breakthrough, though, about a year after they started.

I realized that if I focused on what felt like deprivation, then this is not going to work, Saavedra said. And in grappling with the emotions of feeling like, 'Oh, Im missing out on life or Im missing a former life, I used to do all these things,' I realized, what if I turned all of that on its head and recognized everything that I was able to do.

She added that having a more positive mindset helped her recognize how much she used discretionary spending to fill a hole in her heart.

If Im able to self-soothe and say I get to or Im grateful for, then Ive psychologically solved the pain in my heart and then I no longer need to pursue consumerism to plug that hole, she explained. Once this happened, suddenly everything became so much easier.

THESE ARE THE BEST-PAYING CITIES FOR YOUNG PEOPLE: REPORT

By the time Saavedra was 31, she and her husband were financially independent. It was then that they realized they could set much bigger goals than just saving for themselves.

We were like, 'Wow -- now its no longer about ourselves, who else can benefit?' Saavedra said, adding: A huge part of our value system is dont just live for yourself.

Saavedra and her husband lived frugally so they could have more flexibility in their schedule, including taking parental leave for their children. (Courtesy of Shang Saavedra)

In part, the couples value system comes from their faith, which inspires them to tithe 10 percent of their income. However, they are also saving much more, which they may use to set up scholarships for higher education -- though theyre still deciding exactly how they want to give away their money.

Weve already been in the habit of giving our money away for a really long time and this is just challenging ourselves to do even more, Saavedra said.

CLICK HERE TO READ MORE ON FOX BUSINESS

That selfless motivation is what keeps Saavedra and her husband going, she said. Its also what makes following the F.I.R.E. Movement so fulfilling.

Even though Saavedra and her husband are financially independent, they have chosen to continue working so they can use their money for philanthropy. (Courtesy of Shang Saavedra)

Theres a misconception among a lot of people that being frugal is miserable, and I would say thats not true,"Saavedrasaid. "We do have some of our own creature comforts. We travel, we eat decent."

The bottom line for individuals wanting to achieve financial security is finding a balance between saving and spending that works in their unique situations, she said.

Everyone has different tolerances," Saavedra added. "Not everyone can save to the extent that we save. Not everyone wants to do what we do Take everything that you hear and come up with something that youre comfortable with, because personal finance is personal.

Continue reading here:

Extreme saver wants to skip retirement so she can give her money away - Fox Business

The 5 Best Money and Retirement Podcasts You Haven’t Heard of Yet – Kiplinger’s Personal Finance

Want to retire early? Learn the difference between being frugal and being cheap? Get over embarrassing money matters, and apply practical money rules to your own life? I've got some off-the-beaten path podcasts for you.

Want to cue up a brand new podcast, but not sure where to start? Most best of lists for financial podcasts tend to feature the same well-known shows over and over again, which isnt all that helpful for those of us who want to branch out and discover something we never knew we needed.

This list is different, and features some of my favorite financial and retirement podcasts that can help you better plan, prepare and enjoy your money today and in the future.

Whether youre getting ready for retirement or are only about halfway there, each of these shows provides you with the kind of insight, wisdom, tools and strategies you can use to make your financial life better, your net worth bigger and your ideal vision for your future a reality.

Our common understanding of what retirement looks like, when it starts and how you experience it has changed dramatically over the last decade or so and the idea of retirement continues to evolve today.

Some of the changes are due to the fact that pensions are almost nonexistent, and most employees dont get much help beyond their own savings power during their careers to fund their life after work. But other changes to what it means to retire today have emerged as more and more people realize going from full-time work to full-time leisure isnt always a good thing, and some workers opt to take on second-act careers, part-time work or a new position in a different industry instead of fully retiring and kicking back to do nothing at all.

Regardless of what your ideal retirement looks like, Retirement Starts Today Radio can help you achieve it. Benjamin Brandt covers what any soon-to-be-retiree needs to understand, from the expected (including protecting yourself against Social Security scams) to the downright strange-yet-downright-entertaining (like Benjamins take on what a mullet hairdo can teach us about portfolio distribution).

Thinking about retirement and want to cut back on your expenses before you leave your job behind? Been feeling a little too spendy lately and want to understand how you can rein things in (without becoming a complete cheapskate)? The Frugal Friends Podcast might have a few ideas for you to try.

Even if you dont identify as someone who is (or likes being) frugal, co-host Jen points out that their show is not full of tips on reverting to your broke college kid days. Being frugal [is about] being a better steward of your time and resources.

Jen Smith, Jill Sirianni and their guests generally talk about not just spending less, but spending with more intention and purpose. From simple plans to hack your travel and reduce trip expenses to frank discussions on where the line between being frugal and just being cheap is, these friends know how to help you spend less, save more and actually enjoy doing it.

Most people dont love to talk about money. Its usually a taboo topic when youre trying to keep polite company, and even in spaces where were supposed to divulge the details of our finances (think, in the office of a financial planner, for example), it can be hard to have financial conversations.

Thats because personal finance is never just about numbers, and there are a lot of emotions and feelings that can stop us from understanding the right money moves to make or reaching out for help when we need it most.

Dropping in on the open and honest conversations that take place on Beyond The Dollar with Sarah Li Cain, however, can help you understand how to better navigate really tough topics. My favorite thing about this podcast is that the episodes help to normalize issues that might feel embarrassing, overwhelming or impossible to figure out if youre going through them.

Whether its knowing how to have the talk about money with your parents or getting real about how infertility can impact a familys finances, Beyond The Dollar helps listeners realize theyre not alone and that there are solutions to even the toughest money challenges that we might face in our lives.

Not interested in waiting until age 67 to retire? You might consider joining the growing crowd of financial independence/retire early devotees, or FIRE enthusiasts. Whether you just want to be financially independent at any age or want to commit hardcore to the idea of retiring as early as possible, youll need to know how to maximize your income, manage your investments and cut down on expenses to help you get there.

The FI Show can help you do all this and more, as they feature real people who have managed to retire early, become financially independent or both. Podcast hosts Cody Berman and Justin Taylor share the stories of people whose experiences run a wide spectrum, from those who chased financial independence on as little as $10.75 an hour to entrepreneurs with million-dollar businesses they started from scratch.

This podcast highlights the seemingly countless ways you can successfully achieve financial freedom or retire early regardless of where you are in your life right now.

OK, Ill admit: Im biased on this one, as I host this podcast with my wife, Kali. But I think that dynamic is part of the reason listeners have deeply resonated with the show, and why it deserves a turn on your favorite podcast app.

Beyond Finances aims to provide real-life context to the practical money rules and the theory of financial advice that youve probably heard before but just arent sure how to best apply in your own life. Common themes range from using your money as a tool to get more value from every dollar to learning how to zoom out and look at the big picture of your financial life to increase your odds of long-term financial success.

If youre interested in the intersection of self-awareness, personal development and financial success, Beyond Finances will help you make a meaningful impact on not just your finances, but your life in general.

Eric Roberge, CFP, is the founder of Beyond Your Hammock, a virtual financial planning firm that helps professionals in their 30s and 40s make mindful decisions with their money and strategically use their incomes to achieve financial freedom.

Eric is one of Investopedia's Top 100 most influential financial advisers and is a member of "Investment News' " exclusive 40 Under 40 class of 2016.

Comments are suppressed in compliance with industry guidelines. Click here to learn more and read more articles from the author.

This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the SEC or with FINRA.

The rest is here:

The 5 Best Money and Retirement Podcasts You Haven't Heard of Yet - Kiplinger's Personal Finance

The Hyper-Frugal FIRE Lifestyle Could Be More Pitiful Than It’s Worth – Above the Law

(Image via Getty)

A few weeks ago, I read the story about Daniel, a 36-year-old lawyer who was living a very, very frugal lifestyle. He eats only rice and beans, lives in a small apartment in New Jersey, and buys his clothes from thrift shops. His goal was to retire early and he has saved up a six-figure retirement account and $400,000 in cash.

Daniel is a believer in the FIRE philosophy which is short for Financial Independence Retire Early. This goes beyond the sensible basic financial advice of spending less than you earn. The idea is to work like crazy and save as much money as possible. FIRE also recommends diversifying income sources, generating passive income, and monetizing everything you do. Once you save enough money, you can then quit your job in your 30s or 40s. You can then spend the best years and the rest of your life living happily ever after doing whatever you want to do.

I can relate to Daniel in some ways as I prefer being a minimalist. When I am not with clients or friends, I dont like to spend a lot of money eating out. And when I do eat out, it usually coincides with a restaurants special discount promotions like Taco Tuesdays. I make my own coffee, which I concede tastes slightly better than sewage. At the moment, I have no desire to live in a McMansion. And I generally do not like having a lot of stuff which ends up gathering dust or gets thrown away unused.

But after learning more about the FIRE lifestyle, I dont think I am crazy or disciplined enough for it. There are drawbacks to the FIRE lifestyle that make me wonder whether it is worth the sacrifice. Now I understand people have different priorities in life so you can take my thoughts below with a grain of salt.

You will pay more taxes. Unfortunately, the tax laws do not give incentives to save. Before you can legitimately claim an income deduction or a tax credit, you have to spend money on certain things. So if you save, a big chunk of those savings will go to the government.

That early retirement savings cannot be touched for a long time. So you have a sizeable retirement account because you maxed out your IRA or 401K contributions for many years? Thats super. But you cannot withdraw from it until you reach the age of 59 1/2 or you will have to pay a 10 percent early withdrawal penalty and possibly income taxes on the withdrawn amount. The tax laws did not have FIRE in mind.

You will give up a lot of things. Many personal finance gurus advise delayed gratification where you hold off on enjoyment now in exchange for greater enjoyment later or avoiding unnecessary debt. But the FIRE lifestyle goes beyond simple fiscal discipline. They advocate making substantial and permanent lifestyle changes.

For example, it is not enough to buy a used car to save a few thousand dollars. Some FIRE blogs tell you to learn how to fix and maintain your car by yourself. If you buy a house or rent, you are encouraged to get roommates to save costs. A few even tell you what to eat and where to buy the ingredients in order to save on grocery costs.

I can rent rooms in my house but that means I am giving up privacy and I run the risk of having bad roommates. Todays cars have so many electrical and computer controlled components that it is nearly impossible to fix them on your own. And some of the foods recommended I just dont care for.

I appreciate what they are trying to do, but I personally cannot live a life that is so micromanaged and requires me to do so many things on my own.

Your family life could be a difficult one. You might embrace the hyper-frugal FIRE lifestyle but good luck finding a significant other who shares the same philosophy while you are together. Even if you do, at some point, you and your significant other might end up being frugal about different and incompatible things. Or one of you might get sick and tired of the FIRE lifestyle altogether.

And of course, it costs money to raise children properly. Especially for the unexpected expenses that comes with parenthood such as preschool, after school activities, weekend golf lessons, or in some cases, bail money.

From the stories I read, the FIRE lifestyle is best for single people since there is no one to argue with and no one to take care of.

I wont name any names but one of the most prominent voices of the FIRE movement recently got divorced. He stated that the FIRE lifestyle was not the cause and I want to believe him. But considering that most married couples split due to finances (or lack of it), I am inclined to believe that finances played at least a part in the separation.

You might not be able to deal with financial catastrophes or opportunities. Many of the FIRE supporters assume that once people retire at some obscenely young age, they will not have major financial problems in the future. Instead, they think that everyone will live happily ever after and they will have money to pay a doctor for a checkup.

Before you quit your day job, you will need to save a substantial amount of money for a major financial catastrophe. You or a family member could suffer from a serious medical condition. Or you might be sued.

Or it may not be catastrophe but instead a potentially lucrative but expensive investment opportunity that interests you.

And if you retire at young age, it can be more problematic because there will be more time for potential catastrophes. Especially if you plan to spend your free time pursuing hobbies such as parkour, rock climbing, or whatever these people are doing.

You might be unemployable. Finally, lets just say that at some point, the FIRE lifestyle does not work out and you want to (or need to) go back to work. Well, your absence from the job market could make that difficult. How are you going to spin your early retirement in an interview? It is very likely you wont be welcomed back to your old senior management position. Instead, you may end up starting in the bottom in a different field.

The FIRE lifestyle sounds very appealing, especially to the significant number of people who hate their current jobs. For some people, like Daniel above, if it means living like an ascetic monk for a few years, in exchange for freedom, then thats what he will do. But with the money he has saved so far, Daniel will not live lavishly. He will live a barely middle class lifestyle in a low cost-of-living area.

But I just dont see it working for me. It means I will have to live a lower quality of life during my prime years while a chuck of the money I save goes towards taxes. If I put the money into a tax-advantaged retirement account, I wont see that money for another 17 years. Not only that, I will have to save another nest egg for potential financial catastrophes or something else.

Whenever I hear testimonials about those who followed the FIRE lifestyle and achieved significant financial freedom, I think most of them are not telling us everything. Some of these people might have cashed out large stock options after leaving their firm. Or they may have a spouse who is still working. Or they have a secret golden goose that they wont share with others. Or they may live a life that is much poorer than what people think.

It is generally a good idea to spend less than you make if you want to save money to retire. But if you want to play with FIRE, be careful because you could get burned.

Steven Chung is a tax attorney in Los Angeles, California. He helps people with basic tax planning and resolve tax disputes. He is also sympathetic to people with large student loans. He can be reached via email at sachimalbe@excite.com. Or you can connect with him on Twitter (@stevenchung) and connect with him onLinkedIn.

Link:

The Hyper-Frugal FIRE Lifestyle Could Be More Pitiful Than It's Worth - Above the Law

Fewer than one in four young adults are financially independent – Greater Baton Rouge Business Report

Financial independence is one of the many markers used to designate the crossover from childhood into young adulthood, and its a milestone most Americans (64%) think young adults should reach by the age of 22, according to a new Pew Research Center study. But thats not the reality for most young adults whove reached this age.

The share of young adults who could be considered financially independent from their parents by their early 20san assessment based on their annual incomehas gone down somewhat in recent decades. A new analysis of Census Bureau data finds that, in 2018, 24% of young adults were financially independent by age 22 or younger, compared with 32% in 1980.

Looking more broadly at young adults ages 18 to 29, the share who are financially independent has been largely stable in recent decades. Overall, young men are more likely than young women to be financially independent, but this gender gap has diminished significantly.

The surveys findings underscore the extent to which many young adults are financially reliant on their parents. Some 45% of adults ages 18 to 29 (with at least one living parent) say they have received a lot of or some financial help from their parents in the past 12 months.

According to parents of young adults, those shares may be even higher. About six-in-10 parents with children ages 18 to 29 (59%) say they have given their kids at least some financial help in the past year. The study is based on two nationally representative surveys.

A majority of young adults who have received financial help from their parents say at least some of it was for recurring expenses. Six-in-ten say the money went toward household expenses such as groceries or bills, and significant shares used it to pay their tuition, rent or mortgage.

Read the full report from Pew.

View post:

Fewer than one in four young adults are financially independent - Greater Baton Rouge Business Report

Retirement: The benefits of being FIRE-ish – Chicago Tribune

It's easy to dismiss the super savers who embrace the FIRE movement as starry-eyed dreamers. Financial Independence, Retire Early followers -- many of whom are millennials who consider working 9 to 5 to be drudgery -- often save 50 percent to 70 percent of their annual income with the goal of retiring in 10 to 15 years. The aggressive "Lean FIRE" savers share tips online on how they manage on less than $40,000 a year -- for example, by Dumpster diving, living in a van, not having children or subsisting largely on a diet of rice and beans.But FIRE is much more than that. FIRE followers track their money, invest in low-cost funds, avoid high-interest debt and focus their spending on what's important to them, rather than buying things just because they can afford them. Adapting some of these FIRE principles to fit your less-austere lifestyle can go a long way toward helping you achieve your retirement goals. If you're not ready to go full-blown FIRE, here's how to be FIRE-ish:Boosting savings gives you more money to invest. But more important, "every time you increase your savings rate, you are decreasing your lifestyle," says Whitney Morrison, principal financial planner with LegalZoom. That means you won't need to accumulate as much to maintain your lifestyle in retirement. FIRE folks typically watch every penny. You don't have to be that precise, but you should have an idea of your cash flow so you can find extra dollars to put toward savings. Some expenses, such as a car loan or kids' extracurricular activities, disappear over time, freeing up money that you can redirect into investments, says Melissa Sotudeh, a certified financial planner in Rockville, Md. "If you're at the point that you've got the kids launched, that's a big pay raise there," she says.Or boost savings by cutting expenses. "There is a lot of low-hanging fruit that won't force you into depriving yourself," says Brad Barrett, cofounder of the ChooseFI website. You don't have to give up your lattes. Look to housing and transportation, the largest expenses for consumers. If the kids are grown and you no longer need a four-bedroom house, consider downsizing.

Read the original post:

Retirement: The benefits of being FIRE-ish - Chicago Tribune

Rich Life: The Blue Zone of Financial Well-Being – Investment U

Financial Freedom

By Alexander Green

Originally posted November 4, 2019 on Liberty Through Wealth

In my last column, I discussed National Geographic Fellow Dan Buettners exciting new research on the Blue Zones, home to the worlds happiest and longest-living people.

And while money doesnt always lead to a longer and more satisfying life, it certainly doesnt hurt.

For example, in a Gallup-Sharecare study, nearly 90% of people who were managing their finances well said their relationship with their spouse or partner was strong.

Yet when finances were cited as a sore point in the household, the number of happy relationships plunged to just 60%.

Moreover, it didnt matter whether the couples were affluent or not. Money troubles create relationship troubles.

Ive seen plenty of couples, for instance, where one was an avid shopper and the other a dedicated saver. Thats a bad combo.

I knew another where one wanted to tap into retirement savings to get a new boat or remodel the kitchen and the other felt strongly otherwise.

Things went decidedly south from there.

Financial compatibility or at least peacemaking compromise seems to be a prerequisite for connubial bliss.

Arguing and worrying about money is toxic. It creates stress and conflict.

Yet when a households finances are managed smartly, relationships improve.

Studies show there is even an inverse relationship between wealth and obesity. Financial well-being, it turns out, even helps keep you slim.

(An important consideration since obesity is highly correlated with hypertension, heart disease, diabetes, stroke, dementia and some forms of cancer.)

Yet in the 2019 Retirement Confidence Survey, the longest-running survey of its kind, only 23% of workers said they were very confident theyd have enough for a comfortable retirement.

(In fact, only 35% of current retirees are very confident they have enough.)

This isnt terribly surprising when you consider that 32% of Americans have no savings and 58% have less than $1,000 set aside.

This is a national tragedy, one that will have serious ramifications down the road when nonsavers petition their elected representatives to redistribute the incomes of those who have saved and invested.

Dont get me wrong. Some people are poor due to bad genes, bad luck or circumstances beyond their control.

But can this possibly describe the nearly two-thirds of Americans who havent saved for a rainy day much less up to three decades of retirement?

Especially when financial independence requires only three things:

Heres an example

Up until youre 25, your need for a home, transportation, healthcare and other expenses may take every penny you earn.

But starting at age 25, lets say you invest $190 a month in an S&P 500 index fund and earn nothing more or less than the markets long-term average annual return of 10%.

With dividends reinvested, that would turn into $1.02 million by age 65.

Thats right. Just $190 a month is all it takes to go from flat broke to millionaire status.

According to the U.S. Census Bureau, the median household income in this country in 2018 was $61,937.

So $190 requires the average household to save just 3.6% of its income or less than 5% post-tax to hit the seven-figure mark in 40 years.

Even if a household could save only $95 a month, it would still turn into a half-million dollars in 40 years.

(And if they bought a home and didnt pull out and spend the equity along the way that would likely get them the rest of the way to millionaire status.)

Saving. Investing. Compounding. Building equity.

Its so simple. Yet many Americans never get out of the starting blocks.

Why?

A major reason is too many people decide theyll start saving after all their wants and needs are met.

That doesnt work.

We live in a wonderful free market system where companies knock themselves out to bring us a constant array of exciting new products and services.

If you plan to start saving after all your familys desires are met well, good luck with that.

Heres the bottom line: Financial freedom doesnt just provide you with security and peace of mind.

As Dans research reveals, your health and happiness may depend on it as well.

Incidentally, Dan and I as well as several other nationally renowned business and investment experts will be speaking at The Oxford Clubs 22nd Annual Investment U Conference at the beautiful Park Hyatt Aviara in Carlsbad, California, April 16-18, 2020.

This promises to be one of our very best conferences ever. For more information, click here.

Good investing,

Alex

An expert on momentum investing, value investing and investing based on insider activity, Alex worked as an investment advisor, research analyst and portfolio manager on Wall Street for 16 years. He now runs the wildly successful Oxford Communiqu, ranked as one of the top investment newsletters by Hulbert Digest for more than a decade. He is also the author of four national best-sellers: The Gone Fishin Portfolio, The Secret of Shelter Island, Beyond Wealth and An Embarrassment of Riches. He shares his wisdom in his free daily e-letter, Liberty Through Wealth.

More:

Rich Life: The Blue Zone of Financial Well-Being - Investment U

Separation of Church and State Inevitable – IcelandReview

The eventual separation of church and state is inevitable, writes Minister of Justice slaug Arna Sigurbjrnsdttir in an op-ed in Morgunblai this morning. The Church of Iceland is fully capable of executing its duties independent of the state.

Icelands 1874 constitution guarantees religious freedom, but also specifies that the Evangelical Lutheran Church is a national church and as such it is protected and supported by the State. This provision was retained in the constitution of the Republic of Iceland of 1944.

According to slaug, the demand for equality among religious organisations has become increasingly salient. An autonomous church independent of the government better accords with the ideals of freedom of religion and opinion, but the Church of Iceland (The Evangelical Lutheran Church) has enjoyed special status within Icelandic governance, she writes. According to slaug, more and more people are now convinced that the financing of religious organisations should not fall within the governments purview. Many will continue to follow the church, she writes, even if a complete separation of church and state becomes a reality.

A new agreement between the government and the Church of Iceland stipulates that the latter will no longer function as another state institution. Rather, the church will come to resemble an independent religious organisation, responsible for its own operations and finances. These changes are a significant improvement. Heading in the direction of full separation of church and state is inevitable. Until then and despite this agreement the Church of Iceland will, in accordance with the constitution, continue to enjoy the support and guardianship of the Icelandic government.

The above-mentioned agreement, signed in September, specifies the increased financial independence of the Church of Iceland. From January 1st onward, the Church of Iceland will process its own wages and manage its own books. Furthermore, a special law on Church-managed funds will be revoked.

According to slaug, the teachings of the Church continue to be significant and meaningful to the everyday lives of Icelandic citizens. If citizens continue to trust the church, the Evangelical Lutheran Church will continue to be Icelands national church, irrespective of its legal or governmental status.

See the original post here:

Separation of Church and State Inevitable - IcelandReview

Dress for Success Vancouver Raises $118,000 at 20th Anniversary Success Luncheon – Yahoo Finance

Over 20 years the registered charity has successfully helped over 35,000 women in the Lower Mainland transition into the professional workforce

VANCOUVER, British Columbia, Nov. 04, 2019 (GLOBE NEWSWIRE) -- Dress for Success Vancouver (DFSV), last week, celebrated 20 years of empowering women in the workforce with The Success Luncheon 2019 at the Fairmont Waterfront Hotel. The event brought together 400 business executives and senior leaders from some of BCs most profitable and influential sectors, and featured a keynote by CEO of Dress for Success Worldwide, Joi Gordon. Through insightful presentations, discussions, and networking opportunities, attendees celebrated the impact the organization has had on Vancouvers changing workforce over the last 20 years.

The Dress for Success Vancouver team and I are honoured to be part of the driving force that advocates for the empowerment of women and their unmatched contributions to Vancouvers workforce, said Amy Robichaud, Executive Director of Dress for Success Vancouver. We are committed to making the necessary resources and services available to women who are entering the Canadian job market for the first time accounting for roughly 80 percent of our DFSV clients and ensuring their transition into the professional workforce, BC economy, and local community.

Having expanded well beyond its humble church basement beginnings 20 years ago, DFSV has helped guide more than 35,000 women in the Lower Mainland towards financial independence and economic inclusion through workforce development programs and services including offering interview-appropriate clothing for those seeking employment. With a strong focus on growing the female workforce, DFSV has had a significant impact on the local economy, successfully generating a potential economic engine of over $1 billion CAD.

Boughton Law is thrilled to be the presenting sponsor of the Success Luncheon for a third consecutive year and to continue our ongoing partnership with Dress for Success Vancouver, said Luca Citton, Managing Director and Chair of the Community Action Committee at Boughton Law. As a society, it is our collective responsibility to empower women by equipping them with the tools they need to not only enter the workforce but thrive and succeed in it.

We are so pleased to have been involved in this years Success Luncheon, and to further the empowerment of women in our local economy, said DFSV partner Jacqui MacNeill, CEO and Founder of Escents Aromatherapy. Escents entire workforce is comprised of strong and highly-proficient women, and being part of this event could not have aligned more closely with our values and beliefs.

This year, the Success Luncheon 2019 raised $118,000 CAD, which will go towards furthering the mission of Dress for Success Vancouver and their commitment to empowering women as they enter the local job market. Sponsors of this years event included Presenting Sponsor Boughton Law; Platinum Sponsors David Yurman, Smart Savvy + Associates, and Aritzia; Gold Sponsors Grosvenor, Cargill, and EWOS; and more - with goodies provided by Escents for guests to take home.

About Dress For Success Vancouver

Dress for Success Vancouver (DFSV) is proud to celebrate 20 years in 2019, established in 1999 as the first International affiliate of Dress for Success Worldwide. The organization is an independent registered charity committed to empowering women into the workforce by providing professional attire, career development tools and a career advancement program. DFSV serves over 2000 clients per year and works with over 80 referral agencies: from Work BC and immigration services, to hospitals, colleges, and youth programs. For more info visithttps://www.dfsvancouver.org.

Media ContactSasha YeomansTalk Shop Media604 690 3509sasha@talkshopmedia.com

Read the rest here:

Dress for Success Vancouver Raises $118,000 at 20th Anniversary Success Luncheon - Yahoo Finance