I am a huge fan of high yield savings accounts, and have been using them for about ten years now. Why? Because they offer enticing yields, FDIC insurance for up to $250,000 per banking institution (make sure that the banking institution is FDIC insured), and enable people to set aside money for things like emergencies without much effort. In addition, the funds are completely liquid and accessible within a matter of days after a transfer has been initiated.
Anyone who is still holding onto high savings account balances in traditional banks is honestly doing themselves a disservice, since the national average yield in such accounts averages 0.46%. Compare this with high yield online savings accounts, some of which exceed a 5% APY (annual percentage yield). Even when percentage rates drop after the Fed rate drops, online high yield savings accounts will always trump traditional savings accounts.
I strongly believe that a high yield savings account is the best way to set aside an emergency fund, which all people should have. An emergency fund which will cover 3 to 6 months (more if you can actually put more into the fund) of fundamental expenses will serve as an insurance plan, should any unforeseen events occur which disable your usual income stream. At this point, I have enough money in my emergency fund to cover 6 months of expenses, and I still add a small amount every month to continue to grow the balance.
I honestly believe that one should never skimp when it comes to purchasing a major household appliance such as a refrigerator, stove, washer or dryer. However, my ex-husband Pete felt differently, and always tried to cut corners when we were married. Shortly before our wedding, we moved into an apartment which had washer and dryer hookups, so we knew that we needed to purchase a washer and dryer. I suggested that we go to Sears and peruse their selections, but Pete balked, declaring that it was a waste of money to purchase a brand-new washer and dryer set.
One day we were driving on the highway in a remote area, and Pete noticed a used appliance warehouse. He insisted that we check it out, and before I could protest, he had exited the freeway and was driving up the unpaved road which led to the warehouse. We entered the warehouse, and Pete zoomed in on an old (circa 1970’s) white Maytag washing machine and an old yellow GE dryer (circa 1970’s). I must have made a face because Pete immediately scolded me, saying that it didn’t matter that the units were old and mismatched. Pete said, “The washer is $175 and the dryer is $150, which are great prices. We should get these, because they’re a great deal.” Basically, I wasn’t able to argue with him, so we bought the two units and made arrangements to pick them up in several days.
Over the span of three years, the washer broke down SEVEN times, and each time, the service call ranged between $100 and $225. The dryer broke down three times, and the service call ranged between $100 and $175 each time. I was infuriated over the fact that we had dumped about $1,600 into appliances which Pete had declared “a great deal”. Shortly after we separated in 2002, I marched over to Sears and purchased a brand new, matching washer and dryer set, paying $800 for it. I ended up having that washer and dryer set for 10 years, and only had to call a repair person once for the dryer, to the tune of $125.
It is always best to choose quality over a low price.
I am wary of purchasing a vehicle at an auction, primarily because of the experience I had back in early 2002, when I was married. My husband approached me, insisting on attending a car auction. His contention was that it would be good to have a third car which we could use if either of our primary rides ever ran into mechanical issues. I didn’t have a problem with the logic, but I feared that we would get stuck with a car which would only add to our expenses and also collect dust.
We attended a car auction on a very hot Saturday, set our budget, and settled in for the experience. A BMW was the first auto up, and I was stunned when my husband Pete placed a bid on it. I tapped him on the arm and told him that the BMW wasn’t even in our budget, but he told me that he didn’t think he’d win the auction anyway, which actually turned out to be the case. A succession of halfway decent cars followed the BMW in the auction lineup, but we sat back and just observed the activity.
Then a green Ford Fiesta was driven to the auction block. Pete leaned towards me and said, “Babe, I wanna bid on this car, it’s definitely in our price range”, and seemed not to notice how old and dingy it was, with dulled paint and mismatched tires. My gut was telling me that bidding on the Fiesta was a bad idea, so I told him that. He brushed me off, and said he was bidding anyway. Long story short, he won the auction, and we had this crappy, ugly Ford Fiesta in our possession.
Since we had taken Pete’s car over to the auction, he suggested that I drive the Fiesta back to our residence. I will never forget how miserable the experience was, of driving that car home, because the engine had very little power, and the interior was filthy. Once we arrived home, I told Pete that I would never willingly drive the Fiesta, upon which he went ballistic and started yelling at me about how I had to use the car. In order to keep the peace, I drove the car to work twice, then never did it again.
Pete and I separated in May of 2002, and he found another place to live. What he failed to do was to take the Fiesta, so the car sat in a parking spot at our apartment complex. He told me that it was my responsibility to move the car every few days so as not to upset the apartment manager, but I refused to do so. I kept pleading with him to take the car to his place, but he stubbornly ignored my requests.
A couple of months later, I received a call from the Upland Police Department, asking me if my husband was available to verify ownership of a Ford Fiesta. When I replied that my husband was not available at the residence, the police officer informed me that the vehicle had been stolen, then recovered in a parking lot at a local park. I hadn’t even noticed that the car was missing! The officer stated that I needed to come to the park to pick up the vehicle, so I complied.
When I saw the car in the parking lot, I noticed that there were a bunch of deep gouges along the front hood and roof. I asked the officer what the gouges were from, and he told me that they were from skateboard wheels. Evidently, some skateboarders thought it would be cool to launch off the hood, causing considerable cosmetic damage to a vehicle I hated. I drove the heap back to the apartment complex, called Pete, and said, “Get your car. I’m not babysitting this thing any longer.”
Pete picked up the Fiesta and ended up giving it to his parents as an extra car. I felt so bad for my in-laws!
Embarking on a journey toward a healthier you doesn’t require monumental changes. It’s about integrating small, practical steps into your everyday routine. This Dr. Stacey Naito guide is your companion on this journey, offering simple yet effective strategies for enhancing your well-being, head-to-toe.
Setting aside time for physical activity is more than just a fitness goal; it’s a gift to your body. Aim for at least 150 minutes of exercise weekly. Whether it’s a brisk morning walk, a cycling session, or an evening dance class, find joy in movements that invigorate your heart, strengthen muscles, and boost your mood. Regular exercise not only improves physical health but also enhances mental well-being, reducing stress and anxiety.
Consider Going Back to School for A Career Change
Work-related stress can have a significant impact on an individual’s mental health and overall well-being. If you find yourself in a job that no longer challenges you or if you feel that you’re ready for a career change, it may be time to consider switching careers to improve your mental health. An online program to get a masters degree in nursing offers a convenient way to achieve your educational goals while still maintaining your current work and family responsibilities. When selecting an online school, it’s crucial to verify its accreditation status and ensure that it offers competitive tuition rates to get the best value for your investment.
Find Time for Walking
For those with sedentary jobs, incorporating more walking into their daily routine can be highly beneficial. Scheduling regular walking breaks throughout the day can break the monotony of sitting and boost both energy and mood. Opting for the stairs rather than the elevator and walking to pick up food instead of using delivery services are simple yet effective ways to increase daily step counts. Additionally, choosing to walk to a coworker’s office for face-to-face interactions not only adds to physical activity but also fosters better workplace relationships.
Tending to Your Foundation: Foot Care
Foot health is an integral part of maintaining a healthy lifestyle. Our feet carry us through all our daily tasks, emphasizing the importance of selecting comfortable shoes, practicing good hygiene, and treating ourselves to regular foot massages. Such practices are vital not only for foot health but also for overall well-being. Proper foot care aids in preventing frequent problems such as blisters, corns, and fungal infections, which are crucial for sustaining a healthy standard of living.
Culinary Adventures with Herbs and Spices
Revolutionize your approach to healthy living by incorporating herbs and spices into your meals. This strategy is not only about tantalizing your taste buds but also about reducing your sodium intake. Each herb and spice brings not just flavor but also significant health benefits. Herbs such as basil, oregano, and thyme are rich in antioxidants, while spices like turmeric and cinnamon possess anti-inflammatory properties, all contributing to a holistic healthy living diet.
Take Advantage of Martial Arts
Martial arts offers a comprehensive approach to total body care by enhancing physical fitness, mental discipline, and emotional resilience. Regular practice improves cardiovascular health, strength, flexibility, and coordination, contributing to overall well-being. Additionally, the discipline and focus required in martial arts training promote mental clarity and stress relief.
The Whole Grain Advantage
Make a conscious choice to choose whole grains. Rich in fiber, vitamins, and minerals, they are fundamental to your health. This switch not only nourishes your body but also supports long-term well-being. Whole grains like brown rice, quinoa, and whole wheat provide sustained energy, improve digestion, and can help maintain a healthy weight.
Incorporating these simple strategies into your daily life steers you towards a healthier lifestyle. Remember, every small step counts. It’s about making choices that benefit your health, ensuring a harmonious balance between mind, body, and soul. Embrace these practices, and watch as they transform your life.
For customized nutrition and training plans, as well as contest prep coaching, contact Dr. Stacey Naito today!
Your passion for health and wellness can serve as a powerful agent of change, impacting not just your own life but also enriching your community. By directing this enthusiasm toward advocacy and educational efforts, you transform it into actionable initiatives that can significantly improve communal health. Embrace this role wholeheartedly, and you’ll find yourself at the forefront of promoting healthful changes.
Initiate Community Health Sessions
Consider launching small group sessions in your community to discuss crucial health topics like nutrition, exercise, and mental health. These gatherings offer a platform to share valuable knowledge and strategies for healthy living, providing a foundation for community members to make informed choices about their well-being. As these sessions grow in popularity, they can foster a supportive network, encouraging ongoing participation and commitment to health.
Advocate for Health Policy Changes
Dive into the complexities of local health policies to understand how they impact your community. Use your insights to advocate for enhancements or the development of new initiatives that promote better health outcomes. By engaging with policymakers and stakeholders, you can influence decisions that lead to substantial improvements in public health infrastructure and services.
Launch a Health-Focused Business
Launching your own health and wellness business not only aligns with your passion but also taps into a burgeoning market for health services. To start a business, identify your niche, create a solid business plan, secure financing, register your business, and establish your brand and online presence. Opting to establish a limited liability company (LLC) provides you with perks such as limited liability protection, potential tax benefits, and the flexibility to adapt operations with minimal bureaucratic overhead. To streamline the process and save on legal fees, consider using services like ZenBusiness to handle your LLC setup.
Collaborate with NGOs
Partner with local non-governmental organizations to create impactful health campaigns and awareness drives. These collaborations can amplify your efforts, reaching a wider audience and drawing in more community engagement. Together, you can organize volunteer opportunities that promote health education and preventative measures, making a tangible difference in the health landscape of your community.
Organize Public Health Events
Help plan and execute public events such as health screenings, workshops, or informational seminars. These events provide critical health information and services to the public, often reaching individuals who are underserved or unaware of available health resources. By making these opportunities accessible, you contribute directly to the improved health of your community.
Share Your Health Journey
Utilize the power of blogging or vlogging on sites like YouTube to share your health journey and expertise. This personal touch can resonate deeply with your audience, providing them with practical advice and emotional support. Your stories and tips can inspire others to take action toward healthier lifestyles, creating a ripple effect of health consciousness across digital platforms.
Establish Support Groups
Facilitate the formation of support groups where you and others can freely share both the struggles and victories of your health journeys. In these groups, foster an environment of trust and empathy, allowing members to connect and draw strength from each other’s experiences. This sense of unity not only bolsters individual commitment to health goals but also nurtures a supportive community atmosphere that can lead to sustained well-being.
Offer Personalized Health Coaching
Offering individualized sessions, counseling, or coaching can profoundly impact someone’s health journey. By tailoring your guidance and support to their specific needs and challenges, you equip them to pursue and achieve their health objectives more effectively. This personalized touch not only enhances their ability to meet goals but also provides the encouragement and accountability crucial for lasting health transformations.
In harnessing your passion for health and channeling it into advocacy, you create a multi-faceted approach that not only enriches your life but also significantly impacts those around you. Each step you take builds upon the next, weaving a network of health empowerment that can sustain and grow with the collective effort of your community. By stepping forward, you light a path for others, proving that individual passion can indeed lead to collective health improvement.
Unlock the secrets to a healthier, fitter lifestyle with insights from Dr. Stacey Naito. Follow her blog today for expert tips on health, fitness, and living your best life!
A little-known fact about me is that I have been engaged four times, and there is a pretty crazy story about the four rings which were associated with each engagement. The proposals occurred over a span of many years, with the first taking place in 1990, followed by one in 1994, one in 1998, and one in 2005. The engagement which took place in 1998 culminated in a wedding the following year, but the other engagements fell apart for different reasons.
The first man I cohabitated with suggested that we have rings custom made for our impending engagement, to which I agreed. He stated that he wanted to be able to wear his band on his right hand while we were engaged, to which I also agreed. We had our rings custom designed and crafted, and because my boyfriend had poor credit, I opened an account at the jewelry store in my name. Shortly after we had the rings made, my guy lost his job, and because he was a raging alcoholic, he stopped making any effort whatsoever to secure new employment. As a result, I had to cover all household expenses, and was stuck paying for my own engagement ring. I ended up breaking up with the loser because I couldn’t see myself being financially responsible for him for the rest of my life.
Shortly after I broke up with Scott, I met a wonderful man, and he ended up moving in with me after about a year. I mentioned to him that, should he decide to propose to me, he could take the credit from my first engagement ring (which was for sale on consignment) and use it towards the purchase of a ring. He ended up using that credit, purchased a ring, and proposed to me. We remained engaged for a year and a half before he broke off the engagement, stating that his mother told him he wasn’t ready for marriage, yet he insisted on remaining in the relationship. I endured what I could for two years, then ended things because I couldn’t justify being with a man who seemed to want our relationship to regress rather than progress.
Then it was off to medical school for me. At the beginning of my second year of medical school, I met someone who truly swept me off my feet, and we were engaged three months later, albeit without the formality of a ring. I told my fiancé that I had an engagement ring which we could sell so that he could use the funds towards the purchase of a new ring. When we visited the jeweler whom we had chosen to design and craft our rings, the jeweler stated that it would be better to use the same diamonds from the old ring. I didn’t like the idea of using the center diamond, but agreed to use the two trillion diamonds which flanked the center stone. I asked the jeweler what the extra cost would be if we were to switch out the center diamond, and both my fiancé and I balked at the figure we were given. My fiancé insisted on using the center diamond from the old ring, declaring, “If you’re a good wife, I’ll get you a bigger diamond when we get to our 20th wedding anniversary”.
We were married for 3 years when I insisted on getting a divorce, and it took a year and a half for our divorce to be finalized. Once our divorce was finalized, I elected to put my wedding and engagement ring set on consignment, with the mindset that if it ever sold, I would just pocket the money. What ended up happening was that I met someone very special, and when it looked like things were getting serious, I told my man that he could use the credit on my wedding set towards an engagement ring if he was so inclined. He of course went for the credit, bought a beautiful ring, and proposed to me.
Our relationship didn’t work out, so I once again was left with a ring on which I had equity. Once I realized what a curse that ring was, I sold it and used the funds to pay bills.
For any woman who is willing to either do the foolish things I had done in the past, or who is even willing to purchase her own engagement ring to help her guy out financially (this actually happened with my best friend’s daughter when she decided to marry), I URGE you not to do it! You are worth more than that!
This fantastic post, written by Camille Johnson of Bereaver.com, highlights the most important steps which career women should take in order to maintain balance and optimal well-being.
In the hustle and bustle of professional life, working women often find themselves caught in a relentless grind, juggling multiple responsibilities while striving for success. However, prioritizing well-being amid this chaos is essential for sustainable growth and fulfillment. Here, Dr. Stacey Naito delves into empowering strategies tailored to help women transcend the grind and elevate their overall well-being.
Harness the Power of Reflection
Take time to introspect and evaluate your priorities, goals, and values. Reflection allows you to gain clarity on what truly matters to you, enabling you to make informed decisions aligned with your aspirations. Embracing moments of solitude provides an opportunity for self-discovery and introspection, fostering a deeper understanding of your emotions and motivations. Regularly assessing your progress empowers you to course-correct when necessary, ensuring that your actions remain congruent with your long-term objectives.
Pursue a Degree Online
Earning a degree online is a great option if you’re looking to change your job and advance in your career. For instance, pursuing a degree in psychology can provide insights into cognitive and affective processes, equipping you to better support those in need. Online degree programs offer the flexibility to study while working full-time, streamlining, well, everything, from managing your schedule to accessing course materials. This approach allows you to gain new skills and knowledge without disrupting your current responsibilities.
Build Power with Resistance Training
Resistance training offers numerous benefits, including increased muscle strength, improved bone density, and enhanced metabolic rate, which collectively contribute to better overall health and fitness. Additionally, it can aid in weight management and improve posture, reducing the risk of chronic conditions. To maximize these benefits, consider a monthly customized exercise plan from Dr. Stacey Naito. Her tailored approach ensures that each workout aligns with your personal fitness goals and abilities, providing expert guidance for optimal results.
Set Achievable Milestones
Define clear and attainable objectives that inspire progress and keep you focused. Setting specific and measurable goals provides a roadmap for success, guiding your actions and decisions along the way. Breaking down large goals into smaller, manageable tasks prevents overwhelm and enhances productivity. Celebrating milestones, no matter how small, reinforces your sense of accomplishment and motivates you to continue making strides toward your ultimate vision.
Nurture Positive Self-Talk
Cultivate a nurturing inner dialogue that uplifts and empowers you. Positive self-talk involves consciously replacing negative thoughts with affirmations of your capabilities and worthiness. By practicing self-compassion and kindness toward yourself, you cultivate a resilient mindset that enables you to bounce back from setbacks with grace and determination. Embracing optimism as a guiding principle empowers you to see challenges as opportunities for growth and development, fostering a sense of hope and possibility.
Embrace Forgiveness
Release yourself from the burden of resentment by embracing forgiveness. Forgiveness is not about condoning the actions of others but about freeing yourself from the emotional weight of past grievances. By extending compassion to yourself and others, you create space for healing and transformation to occur. Letting go of resentment opens the door to inner peace and liberation, allowing you to move forward with clarity and purpose.
In the pursuit of professional success, prioritizing well-being is not a luxury but a necessity. By incorporating these empowering strategies into your daily life, you can transcend the grind and cultivate a sense of balance, purpose, and fulfillment. Remember, empowerment begins with a conscious choice to prioritize your well-being and invest in your growth. Embrace the journey, and watch yourself soar to new heights of success and happiness.
For customized nutrition and training plans, as well as contest prep coaching, contact Dr. Stacey Naito today!
How many of you truly live within your means? I am willing to bet that there are plenty of people who believe that they are living within their means, but then they forget that they are carrying credit card debt or car notes. It’s also quite possible in this day and age that people are also saddled with hefty mortgage payments which have put them in over their heads. If you are spending more money than what you are actually bringing in each month, then you are living beyond your means.
So how do you turn the tide so that you can truly live within your means? The first, and most important thing, is to create a budget and stick to it. Be sure to list ALL monthly expenses, including subscription services, groceries, etc. If you have unsecured debt, devise a plan to pay the balance down over time.
Another thing I strongly recommend is to track all of your spending. Despite the fact that friends have made fun of me for keeping a credit card transaction log, it has been extremely helpful in keeping me within my budget, and it also ensures that I know EXACTLY what charges should be on my credit card statement each month. Since I never carry a balance on any of my credit cards, the log gives me a running balance for the course of the month, so that I make sure that I have the total amount necessary to pay off the balance each month.
Once you are out of credit card debt, you might want to cut up your cards, or at least adopt habits that support paying off balances immediately. Now that I have been free from credit card debt for almost 10 years, I can’t tell you how satisfying it is. When a balance is no longer hanging over your head, your money is unshackled, and you can look at saving for travel, bigger purchases like vehicles, and also build a healthy emergency fund. After all, you work hard for your money, so you should be able to enjoy it in a way that gives you financial security, while also allowing you to have some of the creature comforts you crave the most.
Modern life, with its relentless pace and technological advances, often pulls us away from simple, natural practices that promote health and well-being. While conveniences abound, they sometimes come at the cost of our physical and mental health. By rediscovering and embracing natural methods to enhance our health, we can experience profound improvements in our overall quality of life. In this article, courtesy of StaceyNaito.com, we’ll go over several things you can do to feel better everyday.
Embrace Nature
Spending time in nature can significantly boost both your mental and physical health. The fresh air, sunlight, and green surroundings help reduce stress, lower blood pressure, and improve mood. Whether it’s a walk in the park, a hike in the woods, or a day at the beach, engaging with the natural world rejuvenates your body and mind. Regular outdoor activities also promote physical fitness, enhance overall well-being, and contribute to a healthier lifestyle.
Perfect Posture
Practicing good posture is essential to prevent physical strain and maintain musculoskeletal health. Poor posture can lead to chronic pain in your back, neck, and shoulders, and may cause long-term damage if not corrected. If you work from home, investing in ergonomic furniture can encourage good posture while preventing wear and tear on your back, neck, and shoulders. Simple exercises and mindful sitting and standing can make a significant difference.
The Power of Herbs
Considering herbal supplements for minor ailments can be a wise and natural choice. Many herbs, such as ginger for nausea, peppermint for digestion, and chamomile for sleep, have been used for centuries with great success. Herbal remedies often have fewer side effects compared to conventional medicines, making them a safer alternative for treating everyday health issues. Always research and consult a healthcare professional before adding new supplements to your routine.
Minimize Chemical Exposure
Reducing your exposure to harmful chemicals in cleaning products and cosmetics is crucial for maintaining good health. Many commercial products contain toxic substances that can cause skin irritation, respiratory issues, and other health problems. Opting for natural cleaning agents like vinegar, baking soda, and essential oils, and choosing organic, chemical-free cosmetics can protect you from these risks. Making your own products can also be an empowering and satisfying way to take control of your environment.
Laughter and Joy
Incorporating humor and laughter into your daily routine can have a profound impact on your well-being. Laughter reduces stress hormones, increases endorphins, and boosts your immune system. Watching a funny movie, reading a humorous book, or sharing jokes with friends can lift your spirits and improve your health. Remember, laughter is not just a temporary escape; it’s a vital aspect of a balanced life that fosters long-term happiness and resilience.
Stress Reduction
Engaging in stress-reducing activities like yoga or pursuing hobbies can greatly enhance your mental and physical health. Yoga combines physical exercise with mindfulness, helping to reduce anxiety and improve flexibility. Pursuing hobbies you love can also provide a necessary escape from daily stressors, allowing you to unwind and recharge. Whether it’s painting, gardening, or playing an instrument, these activities can bring joy, relaxation, and a sense of accomplishment, contributing to overall well-being.
Focus on Gratitude
Keeping a gratitude journal to focus on the positive aspects of life is a simple yet powerful tool for improving mental health. Writing down things you are thankful for can shift your focus from negative thoughts to positive ones, fostering a more optimistic outlook. This practice can enhance your mood, increase resilience, and promote overall emotional well-being. Taking a few minutes each day to reflect on your blessings can lead to lasting happiness.
Embracing natural methods for health and well-being fosters a balanced and fulfilling life. By integrating these natural approaches into your daily routine, you can achieve a healthier, happier life, reaping the benefits of a more holistic approach to well-being and long-lasting vitality.
I just stumbled across this video which I had recorded at the beginning of last year. It clearly shows my most robust Hoya linearis (nicknamed Superstar) in bloom, which was a lovely surprise. Alas, Superstar has not given me blooms since, but perhaps she will in a few months.
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