Most of us are all too familiar with the standard formula for living a longer life: Donâ€™t smoke, drink only in moderation, eat well, exercise, and get plenty of sleep. While no one can argue with that advice, a specific list of action items tends to be more helpful â€“Â especially for those of us who are creatures of habit. Here are five simple â€“ and inexpensive â€“ steps you can take to improve your longevity today. Sit Less Sitting for less than three hours a day can add two years to your life expectancy. A sedentary lifestyle increases your risk of developing life-threatening conditions like diabetes, obesity and cancer. If your job requires that you sit (and most jobs do), try to get up once every 20 minutes or so to walk around. Drink Coffee While coffee can have negative side effects like sleeplessness and anxiety, a new report from…
While eating well and exercising are inarguably good for your body, they can also be good for your wallet. This may seem counterintuitive given how pricey gym memberships, grass-fed beef, and organic produce can be. But the fact that so-called â€œsuperfoodsâ€ and exercise have been shown to reduce cancer risk, help maintain a healthy weight, and even increase brain function informs an important financial reality: lower life insurance premiums. How Can Eating Well and Exercising Lower my Life Insurance Premiums? Life insurance companies consider a number of risk factors when determining premiums, including family health history, weight and diet. The healthier and younger you are, the lower the risk â€“Â and typically, the lower your premium. While simply eating superfoods and being physically fit wonâ€™t affectÂ your life insurance premiums, the effect that they have on your body â€“Â and yourÂ lifestyleÂ â€“ could. What Superfoods Should I Be Eating? Superfoods are rich in nutrients…
With the April 15 filing deadline less than a month away, tax season is in full swing. If that gives you heart palpitations, take a deep breath. Here are five great ways to relieve seasonal stress and put a little zen into your tax preparation. Don’t Sweat the Small Stuff If youâ€™re driving yourself crazy accounting for every last receipt or monthly bank statement, stop. Do your homework so you know whatâ€™s deductible and whatâ€™s not. Instead of spending your time chasing smaller deductions, focus on larger expenses that will save you the most on your taxes. Donâ€™t Bait the IRS Save yourself from a panic attack by avoiding audit triggers like claiming large deductions on minimal income or reporting dependent exemptions for people who may not actually be your dependents. If you report a business loss year after year, you risk having the IRS declare your company a hobby.…
By managing your stress, you can have a healthier life. Stress is more than an inconvenience â€“ in fact, studies have shown that those who experience high levels of stress may be at increased risk of being diagnosed with a serious illnesses or disease. Weâ€™ll take a look at several ways to help you better manage the stress and anxiety that is so commonplace these days.
First, what can possibly contribute to high levels of stress in individuals today? Can it be the increased time spent in gridlocked traffic when compared to twenty years ago?
Taking care of the Earth is every individualâ€™s responsibility, and Earth Day (April 22nd) is the perfect time to renew our efforts to help protect the planet.
Going green is easier than you might think. There are minor changes you can make in your daily routine that can help you make a less harmful impact on the environment.
Here are 8 simple things you can do to help reduce your environmental impact and contribute to a healthier planet:
1. Conserve Water â€“ Fixing leaky faucets, taking shorter showers, and turning off the water while you brush your teeth, are only a few of many ways you can conserve water. Here are 100+ more ideas for saving water.
Whether itâ€™s caused by short-term or long-term factors, stress can take a toll on our health. Being overly anxious or stressed doesnâ€™t just have mental effects â€” it has physical effects as well. The more stressed we get, the more vulnerable we are to colds, flus, and more chronic and life-threatening illnesses, such as high blood pressure and heart disease.
Relaxation is good for you and it doesnâ€™t take as much time as you think. You donâ€™t need a trip to the spa or a weekend away to de-stress. The following 10 tips will have you more relaxed in fewer than 15 minutes:
1. Drink Green Tea â€“ The amino acid found in green tea, called L-Theanine, has been shown to have a soothing, calming effect on those who drink it. During the time it takes you to boil the water, close your eyes and try to clear your mind.
Most people think of their over-stuffed garages and closets when they think of spring-cleaning, but just after tax season is the perfect time to re-evaluate and tidy up your finances.
Here are 8 steps for getting your finances in order:
- Evaluate your debt â€“ How much do you owe, and what kind of interest rates are you dealing with? Speak with your mortgage lender and credit card company to see if they can lower your interest rates (it never hurts to ask). Decide what you want to start paying down or off first, and create a debt-reduction plan.
- Update your budget â€“ If youâ€™ve experienced any significant budget changes, like a job change or going from two incomes to one, take this time to re-evaluate your household financials. Look at how youâ€™ve been spending and consider how youâ€™dÂ like to be spending. Once you have that figured out, you can see where you might want to cut back in order to put more into your savings.
Daylight Saving Time (DST) begins at 2 a.m. this Sunday, March 9th, extending our evening sunlight hours and stealing an hour of our sleep. Some of us have no issue adjusting, but others feel fatigued for days.
If you have trouble dealing with the change, thereâ€™s an obvious reason behind it. According to the National Sleep Foundation, American adults get an average of six hours and 51 minutes of sleep every night. While thatâ€™s not far off from the seven to nine hours that experts recommend, that lost hour makes a huge difference.
Although it takes most people only a couple days to adjust, those first few days can be full of trouble.
Itâ€™s never too early for a high school student to learn financial literacy. In just 4 short years they graduate, so prepare them now for the financial responsibility they will carry during their time in college.
Although they are well aware of the steep price of higher education, itâ€™s difficult to fathom the weight of student loans and easy to put off worrying about them until graduation.
Many college freshman â€” new to managing their lives on their own â€” make mistakes simply because they were unaware of how to budget efficiently and how quickly school supplies and dining out can add up.
Start discussing family finances, personal budgeting, and appropriate credit card use now so they are familiar with these basics from the start.
Heart disease is the leading cause of death for both men and women in the U.S., making your level of risk a big concern for life insurance providers. This risk grows even larger when combined with smoking, high cholesterol, high blood pressure, obesity and lack of exercise.
These are all factors that life insurance providers take into account when considering someone for a policy, so, do yourself and your finances a favor and take care of yourself before your health becomes an issue.
Below are 5 things you can do to help keep your heart healthy:
1. Laugh â€“ Stress causes muscle tension, increasing blood pressure and heart rate, both of which can lead to bigger health problems like heart disease. In addition, people tend to turn to unhealthy habits, like overeating and smoking, when anxious.