Health http://www.wisebread.com/taxonomy/term/14/all en-US Flashback Friday: 38 Ways to Get More Sleep Tonight http://www.wisebread.com/flashback-friday-38-ways-to-get-more-sleep-tonight <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-38-ways-to-get-more-sleep-tonight" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_sleeping-587523170.jpg" alt="Woman finding ways to get more sleep tonight" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Getting a good night's sleep on a consistent basis will protect your physical health as much it'll protect your mental health. The problem is that with our super busy lives, sleep is always the first thing to suffer. It's time to stop making sleep an afterthought. Because it's so easy to regulate your sleep schedule with the right tools and strategies. Here are 38 ways to get more sleep tonight.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman-sleeping-460137233-small.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/6-ways-to-get-prettier-smarter-and-healthier-while-you-sleep?ref=fbf">6 Ways to Get Prettier, Smarter, and Healthier While You Sleep</a> &mdash; Wait, you mean you can improve your overall beauty, intelligence, and health while you sleep? Sold! These tricks will help you make it happen without breaking the bank.</p> <p><a href="http://www.wisebread.com/11-smart-ways-to-get-some-sleep-at-the-airport?ref=fbf">11 Smart Ways to Get Some Sleep at the Airport</a> &mdash; With the holidays coming up, many of us will have to resort to catching a few z's at the airport. It's not ideal, but also not impossible. Here's how to score a restful night of snoozing at the gate.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/man_tired_work_000075631055.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/3-ways-good-sleep-makes-you-wealthier?ref=fbf">3 Ways Good Sleep Makes You Wealthier</a> &mdash; In order to increase your overall wealth and achieve your financial goals, you need to be focused, patient, and driven. And it's very difficult to feel any of these things when you're running on a few hours of sleep and completely exhausted.</p> <p><a href="http://www.wisebread.com/7-ways-to-boost-your-finances-while-you-sleep?ref=fbf">7 Ways to Boost Your Finances While You Sleep</a> &mdash; Didn't think you could make extra cash while fast asleep, eh? Wrong! Here are seven ways to make your money work for you, so you can hit the hay.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/sleep-177703194.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/get-better-sleep-with-these-5-great-sleep-tracking-apps?ref=fbf">Get Better Sleep With These 5 Great Sleep-Tracking Apps</a> &mdash; It's easier to focus on getting more sleep when you have apps that track your sleep patterns and tell you how you can improve. Knowledge is power, after all.</p> <p><a href="http://www.wisebread.com/6-foods-scientifically-proven-to-help-you-sleep?ref=fbf">6 Foods Scientifically Proven to Help You Sleep</a> &mdash; Eat more to get more sleep? Uh, yes please. Have any of these as a snack and you could sleep more soundly tonight.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-38-ways-to-get-more-sleep-tonight">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate Stress</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-34-ways-fitness-can-improve-your-finances">Flashback Friday: 34 Ways Fitness Can Improve Your Finances</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-95-best-ways-to-get-fit-for-free">Flashback Friday: The 95 Best Ways to Get Fit for Free</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-119-best-fitness-hacks-for-busy-people">Flashback Friday: The 119 Best Fitness Hacks for Busy People</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-99-best-fitness-hacks-of-all-time">Flashback Friday: The 99 Best Fitness Hacks of All Time</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Health and Beauty anxiety fbf flashback friday frugal living Health mental health more sleep relaxation rest self-care sleep stress Fri, 18 Nov 2016 11:00:14 +0000 Chrissa Hardy 1835392 at http://www.wisebread.com Flashback Friday: 84 Frugal Ways to Eliminate Stress http://www.wisebread.com/flashback-friday-84-frugal-ways-to-eliminate-stress <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-84-frugal-ways-to-eliminate-stress" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_meditating_grass_67536037.jpg" alt="Woman finding frugal ways to eliminate stress" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's no secret a lot of us are feeling extra stressed right now. The most important thing we can do in times of extreme stress is to practice self-care, and do what we can to eliminate the sources of stress and anxiety in our lives. Here are 84 frugal ways to lighten the load.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_meditating_work_000078035075.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/10-frugal-ways-to-reduce-workplace-stress?ref=fbf">10 Frugal Ways to Reduce Workplace Stress</a> &mdash; Stress at work is probably the most common source of stress there is. And in those moments of stress at work, there are things you can do to take a step back and find that inner zen. Give these a try.</p> <p><a href="http://www.wisebread.com/13-cheap-ways-to-beat-stress?ref=fbf">13 Cheap Ways to Beat Stress</a> &mdash; The cure for stress isn't always an expensive massage or costly therapy sessions. There are frugal things you can do to combat the stress monster, and your wallet will appreciate that!</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/father_son_fishing_70352103.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/beat-stress-with-these-28-inexpensive-pastimes?ref=fbf">Beat Stress With These 28 Inexpensive Pastimes</a> &mdash; Some of the most enjoyable and effective stress busters are the activities we've done since childhood. Go for a bike ride, take a moment to write, take an online class, or do a puzzle. There are so many, and all will make you feel better.</p> <p><a href="http://www.wisebread.com/turn-your-home-into-a-spa-with-these-5-frugal-stress-relievers?ref=fbf">Turn Your Home Into a Spa With These 5 Frugal Stress Relievers</a> &mdash; When you can't change your circumstances, you can change your environment. Give your home a soothing, spa-like feel and you'll instantly feel more relaxed.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_73912007_LARGE.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money?ref=fbf">8 Ways to Turn Your Stress Into Money</a> &mdash; Another way to battle that stress is to turn it into cash. Because when you're more financially comfortable, your stress instantly decreases. Money doesn't buy happiness, but it can reverse your stress.</p> <p><a href="http://www.wisebread.com/20-free-or-really-cheap-ways-to-relieve-stress?ref=fbf">20 Free (or Really Cheap) Ways to Relieve Stress</a> &mdash; Meditation, taking your dog for a walk, and rearranging your furniture are just a few ways to eliminate the stress in your life. And when you can do it for free, or very little money, why not try?</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-84-frugal-ways-to-eliminate-stress">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-38-ways-to-get-more-sleep-tonight">Flashback Friday: 38 Ways to Get More Sleep Tonight</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-34-ways-fitness-can-improve-your-finances">Flashback Friday: 34 Ways Fitness Can Improve Your Finances</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-95-best-ways-to-get-fit-for-free">Flashback Friday: The 95 Best Ways to Get Fit for Free</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-99-best-fitness-hacks-of-all-time">Flashback Friday: The 99 Best Fitness Hacks of All Time</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-119-best-fitness-hacks-for-busy-people">Flashback Friday: The 119 Best Fitness Hacks for Busy People</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Health and Beauty anxiety fbf flashback friday frugal living Health meditation mental health relaxation self-care stress zen Fri, 11 Nov 2016 10:00:15 +0000 Chrissa Hardy 1830896 at http://www.wisebread.com Your Stressful Job May Be… Making You Healthier? http://www.wisebread.com/your-stressful-job-may-be-making-you-healthier <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/your-stressful-job-may-be-making-you-healthier" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_stressed_work_85247123.jpg" alt="Woman learning her stressful job might be making her healthier" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Yes, stress has a negative effect on our health. It can raise our blood pressure, increase the risk of heart disease, and contribute to obesity and other illnesses. And that may seem like reason enough to quit your high-pressure job, but before you throw in the towel and dust off your resume, there's something you should know about job-related stress.</p> <p>As much as you'd like to banish all that frustration from your life, consider that your constant 9-to-5 headache may be making you healthier. Yep, you read that correctly. Recent research found that a moderate amount of everyday stress has a surprising positive effect on the brain and body. Now, this doesn't mean you should run out and get the most stressful job you can find, or stay in occupations that push you over the edge. There's good stress and there's bad stress, and it's important to understand how each affects the human body. Chronic stress, which lasts for weeks or months, is bad stress, and can trigger long-term problems. But considering that our bodies are wired to react to stress, the everyday pressures you deal with at work aren't necessarily a bad thing. Here's why. (See also: <a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money?ref=seealso">8 Ways to Turn Your Stress Into Money</a>)</p> <h2>1. It Improves Brainpower</h2> <p>Whether you're facing tight deadlines or preparing for an upcoming meeting with a difficult client, these types of situations can increase your stress level and send you into panic mode. Every job has its fair share of pressure, and at times it can feel as if you have too much on your plate. These aren't the most favorable circumstances, but the upside is that manageable amounts of stress can improve your brainpower. This not only helps you perform better on the job, it also boosts cognitive function over time.</p> <p>The reason is that moderate stress encourages the production of neurotrophins, a type a brain chemical that supports the growth and survival of nerve cells. So while chronic stress slowly damages brain structure, research shows that short-term stress has the opposite effect and stimulates the growth of new brain cells. A study discovered that<a href="http://greatergood.berkeley.edu/article/item/the_surprising_benefits_of_stress">exposure to short-lived stress</a> triggered the development of new nerve cells in the brains of laboratory rats. After two weeks, the lab rats had improved mental performance. Researchers concluded that controlled, manageable stress on the job prompts a similar reaction in humans, improving our memory, concentration, and alertness.</p> <h2>2. It Boosts Your Immune System</h2> <p>Some people who battle ongoing stress notice a difference in their health because too much stress can suppress the immune system. This makes us more susceptible to illness and infections. But with regard to short-term stressors &mdash; such as those you might experience at work &mdash; these types of demands have the potential to reinforce or strengthen protective chemicals in your body, which can give your immune system a pick-me-up.</p> <p>High-tense situations set in motion a fight-or-flight response, which is a physiological reaction to a perceived threat. This is an inborn response that prepares your body to fight or flee impending danger. Your heart rate increases, your body releases adrenaline and extra sugar for energy, and you react more instinctively. According to a study by the Stanford University School of Medicine, the <a href="https://med.stanford.edu/news/all-news/2012/06/study-explains-how-stress-can-boost-immune-system.html">fight-or-flight response activated by short-term stress</a> not only jump-starts a spontaneous reaction from your body's resources, it also promotes stronger immune function, which makes it easier for your body to ward off and fight infections.</p> <h2>3. It Lowers Your Risk of Prolonged Stress</h2> <p>Short-term stress also increases resiliency and teaches you how to confront and tackle everyday pressures and demands. The first time you come up against a particular situation, you might crumble or think you don't have strength to handle the hurdle. But the more you face the problem and overcome the stressor, the easier it is to cope in the future.</p> <p>If you toughen up and develop positive strategies to manage your time and emotions, you're less likely to suffer from chronic stress. As a result, you decrease the risk of health problems triggered by prolonged stress, such as heart disease, cancer, and infections.</p> <h2>4. It Might Help You Live Longer</h2> <p>Do you want to live longer? Your stressful job might be the secret weapon. A study conducted by the Indiana University found that &quot;employees in stressful positions were a third <a href="http://time.com/money/4536431/stressful-job-health/">less likely to die than those with less strenuous jobs</a>.&quot; These findings might have you scratching your head, especially since we already know the negative consequences of stress, but the study also revealed that those in stressful positions who lived longer were also in control of their workflow.</p> <p>The study, which took place between 2004 and 2011 and included thousands of workers, concluded that participants who enjoyed greater flexibility in their stressful jobs were 34% less likely to have died than participants in high-pressure jobs who enjoyed little freedom. One theory is that participants with less control in their high pressure jobs were more likely to adopt unhealthy habits as a way to cope with their circumstances. These habits included overeating (which leads to obesity, high blood pressure, diabetes, and heart problems), and smoking, which increased the risk of cancer and other health problems.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/your-stressful-job-may-be-making-you-healthier">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-reasons-you-are-more-than-your-job">3 Reasons You Are More Than Your Job</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate Stress</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-38-ways-to-get-more-sleep-tonight">Flashback Friday: 38 Ways to Get More Sleep Tonight</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-important-reasons-to-always-call-in-sick-when-youre-sick">8 Important Reasons to Always Call In Sick When You&#039;re Sick</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-frugal-ways-to-reduce-workplace-stress">10 Frugal Ways to Reduce Workplace Stress</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Health and Beauty anxiety depression frustration Health stress stressful job work work life balance Thu, 10 Nov 2016 10:00:07 +0000 Mikey Rox 1830273 at http://www.wisebread.com 8 Important Reasons to Always Call In Sick When You're Sick http://www.wisebread.com/8-important-reasons-to-always-call-in-sick-when-youre-sick <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-important-reasons-to-always-call-in-sick-when-youre-sick" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_100133849_MEDIUM.jpg" alt="you should call in sick from work if you&#039;re sick" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When you're sick, you're sick. Which is why if you're feeling under the weather, it's best to <a href="http://www.wisebread.com/10-reasons-you-should-call-in-sick-today">call out of work and rest up</a> for a speedy recovery. Because as much as you don't like that stuffy head, sore throat, snot-rocket business, your co-workers like it even less &mdash; especially when you're kablooey-ing all over the office. As such, here are a few reminders on the importance of cuddling up under the covers with Jell-O and Netflix when you're on your proverbial deathbed to avoid plunging your entire company into chaos.</p> <h2>1. You'll Spread Your Germs Around</h2> <p>Obviously a no-brainer, when you're ill, you're often contagious. The last thing you want is to start spreading around whatever nastiness you've got. I don't mean to be dramatic or anything, but remember how fast diseases spread &mdash; viruses like H1N1, SARS, and Ebola. Unassuming, exemplary employee Hank probably caught a cough and thought he could work through it. Except the next thing you know, the CDC is calling pandemic on the whole thing, and now Hank is quarantined (and probably never heard from again) because he's Patient Zero. Grocery stores are mobbed, kids stay home from school, the world markets crash &mdash; all because of Hank and his cough. Don't be Hank.</p> <h2>2. You Won't Be Able to Concentrate</h2> <p>When you've fallen ill, it's usually hard to concentrate &mdash; what with the achy bones, headache, and watery eyes. Don't try to be a martyr at the office by pretending that you actually know what's going on. Because you don't. It's hard to enough to concentrate when you're sick, but it's almost impossible when you add those three max-strength Benadryl you ate for breakfast into the equation.</p> <h2>3. Your Body Will Be Tired, and You'll Be Unproductive</h2> <p>Sickness takes a toll on your body. Your immune defenses are down, you're not getting quality sleep, and you always have a hard time moving a muscle given that when you're sick on a weekend, all you do is ring that godforsaken bell to summon your partner to the bedroom to change the channel because your wittle fingers are too brittle to switch to Netflix.</p> <p>Social media professional Megan Ingenbrandt, from New Jersey, knows what I'm talking about.</p> <p>&quot;People underestimate the value of sleep when they're healthy, but I think it's even worse when they're sick,&quot; she says. &quot;Since they're not feeling their best, people often try to cram in as much work as possible so they can just crash when they get home. It's important to take time off when you're sick because your body needs more rest than normal to rejuvenate. Take the day off to veg out in bed and get back to work when you're feeling better.&quot;</p> <h2>4. You're <em>Not</em> Impressing the Boss With Your Will to Survive</h2> <p>Some employees come into work instead of calling in sick thinking&nbsp;<a href="http://officeteam.rhi.mediaroom.com/2014-01-28-survey-seven-in-10-workers-frequently-come-to-the-office-when-feeling-sick">it shows dedication </a>and that it'll impress their superiors &mdash; but that's a fool's game. Your boss doesn't want to have anything to do with you when you arrive late just to run to the bathroom every 10 minutes. Like anybody's got time to sanitize the place all day.</p> <h2>5. Nobody Wants to Hear You Hacking Up a Lung All Day</h2> <p>You know how gross is it to have a meeting with someone who sounds like they're on death's door? Besides, all that commotion is distracting to your coworkers who are busy planning your funeral instead getting the tasks that are on their to-do lists done. Perfect way to make lifetime enemies.</p> <h2>6. Your Miserable State Will Make Others Around You Miserable</h2> <p>You're not your outgoing, friendly self when you're sick, and when one person's morale is down in the office, it tends to drag others' down with it. You'll notice that nobody's smiling around you when you go to work sick because they're not your biggest supporter while you're contaminating every surface with your plague.</p> <h2>7. The Medication You're On Makes You a Liability</h2> <p>There's a reason many medications &mdash; even over-the-counter types &mdash; recommend that you abstain from operating motor vehicles or heavy machinery while under their influence. You could hurt yourself or somebody else. And if you do that on company time, you've just created a whole heap of trouble for you and your company.</p> <h2>8. You're Setting a Bad Example for Others</h2> <p>Guess what? Since you dragged your risen-from-the-crypt carcass to work when you had the flu, now everybody feels like they have to come to work one foot in the grave, too. You don't want to be the person who silently encourages their coworkers to endanger themselves and others because you're a proper nitwit, do you? I didn't think so. Instead, go to the doctor and find out what's wrong with you, or at the very least, spend like $50 at Rite-Aid on OTC remedies to flush out those poisonous hangers-on chemically. It's the American way.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/8-important-reasons-to-always-call-in-sick-when-youre-sick">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/your-stressful-job-may-be-making-you-healthier">Your Stressful Job May Be… Making You Healthier?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-38-ways-to-get-more-sleep-tonight">Flashback Friday: 38 Ways to Get More Sleep Tonight</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/economic-effects-of-pandemic-flu-in-a-recession">Economic effects of pandemic flu in a recession</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-frugal-ways-to-reduce-workplace-stress">10 Frugal Ways to Reduce Workplace Stress</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-deal-when-you-work-with-someone-you-hate">8 Ways to Deal When You Work With Someone You Hate</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Health and Beauty call in sick cold flu Health home sick rest sick at work sick day stay home work Wed, 05 Oct 2016 09:00:08 +0000 Mikey Rox 1805694 at http://www.wisebread.com 10 Cheap Exercise Tools for a Killer Workout http://www.wisebread.com/10-cheap-exercise-tools-for-a-killer-workout <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-cheap-exercise-tools-for-a-killer-workout" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_89396693_MEDIUM.jpg" alt="kettlebells are great for a cheap workout" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Getting fit can be hard for a lot of reasons. Not least among those is that it is often expensive. Buying a gym membership, paying for a trainer, or even getting the running shoes that won't hurt your feet can easily be beyond your means, especially if you're trying to save up for something or pay off debt.</p> <p>But never fear! You can get the workout you need without spending a fortune. Here are some frugal, useful pieces of equipment that won't break the bank. (See also: <a href="http://www.wisebread.com/make-these-9-health-moves-now-or-youll-regret-it-in-20-years?ref=seealso">Make These 9 Health Moves Now or You'll Regret It in 20 Years</a>)</p> <h2>1. Yoga Mat</h2> <p>When most people think about a <a href="http://amzn.to/2bvWWWN">yoga mat</a>, they don't really think much beyond&hellip; well&hellip; yoga. While yoga is a wonderful full-body exercise, you can use your yoga mat for so much more. It lessens the impact anytime your feet hit the ground, so try using it for jogging in place, doing jumping jacks, mountain climbers, and more. Get your cardio on and then stretch it out, all from the comfort of your yoga mat.</p> <h2>2. Balance Ball</h2> <p>Those <a href="http://amzn.to/2bdDUnv">big, inflatable balls</a> aren't just good for your kids to bounce on, or as office chair substitutes. You can pick them up, squat with them, squeeze them in about a zillion different ways, and more. In the end, you'll definitely get a strength workout in, and you'll break a sweat, too. If you need more cardio, incorporate some jumping with &mdash; or over &mdash; the ball into your routine.</p> <h2>3. Resistance Bands</h2> <p>If a set of dumbbells are beyond your means right now, consider investing in some resistance bands instead. You can either get the type that a <a href="http://amzn.to/2bQyS4L">physical therapist will give you</a>, or <a href="http://amzn.to/2bdHWvK">some that come with handles</a>, or you can get the kind that are more like giant rubber bands. Either way, pulling them apart in different ways will work your entire body. You can also hang them from doors, and loop them around chairs in order to get the desired resistance and effect.</p> <h2>4. Bulgarian Bag</h2> <p>A <a href="http://www.artofmanliness.com/2011/10/21/minimalist-training-how-to-make-and-use-a-bulgarian-training-bag/">Bulgarian bag</a> is a training tool that many haven't heard of, and that's a shame. At its most basic, it's a narrow, heavy bag with some sort of strap. You can sling it around and even practice some Olympic lifting motions with it, or you can attach it to you for added weight while you do cardio. They range in price quite a bit, based on the weight, but it's easy to make your own for $15-$20.</p> <h2>5. Aerobic Step</h2> <p>Remember those steps that used to be all the rage in aerobics classes? Well, the classes aren't as popular anymore, but <a href="http://amzn.to/2byakOY">the steps are still useful</a>. You can use them for aerobics, but you can also stack them to make a (usually short) plyometric platform. If you're really in a bind, you can also use it as a low flat bench for lifting weights.</p> <h2>6. Flat Bench</h2> <p>And then there's <a href="http://amzn.to/2bIBQ8m">the flat bench</a>. If you're going to be doing more aerobics, the step is probably your best bet. But if you want something to lie on while you lift that Bulgarian bag over your head, the flat bench is probably better. You can still use it for plyometric purposes, and even for aerobics, if you really want to.</p> <h2>7. Jump Rope</h2> <p>A simple <a href="http://jumpnrope.com/jump-rope-store/jump-ropes/">jump rope</a> is one of the best training tools out there. Do you doubt me? Go jump for five minutes straight and come back. I'll wait.</p> <p>Seriously, though, jumping rope provides good, quick cardio, and it also activates most of the muscles in your body. Your legs will burn, and you'll even feel it in your back and shoulders if you jump long enough. The best thing about a jump rope, though, is that you can do it almost anywhere. It's easy to pack and you just need a tiny bit of open space to get your workout in. Even if your living space is teeny, you should be able to exercise with a jump rope.</p> <h2>8. Pullup Bar</h2> <p>Do you have a doorway? Great! Get an inexpensive but sturdy <a href="http://amzn.to/2bdfXBg">pullup bar</a>, attach it, and there you go! Instant workout. Even if you can't do pullups, working toward them is great exercise for your back and shoulders. And if you add in some jumping pullups, you'll work your lower body and get in some cardio, too. Add a set of resistance bands strung around the bar, and there's not a part of your body that you can't work.</p> <h2>9. BOSU Ball</h2> <p>A <a href="http://amzn.to/2bIDs20">BOSU ball</a> is one of those half balls on a platform that I'm sure you've seen around. It's a little funny looking, but it's also a great way to get in shape. Exercise on it for balance and toning, or do jumping exercises for cardio. There are various routines online to help you get started, so you don't have to think it all up by yourself. It might feel a bit awkward to start, but it will be worth it when you're getting in a killer workout.</p> <h2>10. Your Body</h2> <p><a href="https://www.reddit.com/r/bodyweightfitness/">Bodyweight-only exercise</a> has become a thing, and it's a legitimate one. No matter your current fitness level, there are ways you can exercise using only your body that will help you get stronger, get in your cardio, and even lose weight. Sure, there are the exercises everyone remembers from gym class &mdash; stuff like pushups and situps &mdash; but body weight fitness experts have gone far beyond that now. So even if you can't spend a cent on equipment, there's no reason you can't <a href="https://www.fitloop.co/">get your workout on</a>.</p> <p><em>What's your favorite piece of budget exercise equipment? How do you use it?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/10-cheap-exercise-tools-for-a-killer-workout">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-99-best-fitness-hacks-of-all-time">Flashback Friday: The 99 Best Fitness Hacks of All Time</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-ultimate-green-workout">The Ultimate &quot;Green&quot; Workout</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-119-best-fitness-hacks-for-busy-people">Flashback Friday: The 119 Best Fitness Hacks for Busy People</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-of-our-favorite-fitness-and-diet-smart-phone-apps-0">8 of our Favorite Fitness and Diet Smart Phone Apps</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-95-best-ways-to-get-fit-for-free">Flashback Friday: The 95 Best Ways to Get Fit for Free</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Health and Beauty cheap fitness exercise tools fitness frugal fitness getting in shape Health healthy lifestyle workout Wed, 24 Aug 2016 10:30:12 +0000 Sarah Winfrey 1778321 at http://www.wisebread.com The 5 Best Smart Scales http://www.wisebread.com/the-5-best-smart-scales <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-smart-scales" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_digital_scale_31160596.jpg" alt="Woman using best smart scale to determine weight" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Whether your goal is to lose weight, maintain your weight, or bulk up, a smart scale can get you to where you want to be in no time. By automatically syncing your weight and taking advantage of free online graphs, mobile features, and motivational tools, you can stay on track with less effort.</p> <h2>What Is a Smart Scale?</h2> <p>A smart scale can measure your weight, body fat, and more. It can then wirelessly sync to your fitness devices, desktop, and smartphone. This will allow you to seamlessly monitor your progress to ensure you are on track to meet your weight management goals.</p> <h2>Top 5 Smart Scales</h2> <h3>Fitbit Aria Wi-Fi Smart Scale</h3> <p><a href="http://amzn.to/2bC9Y94"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/fitbit.jpg" width="220" height="219" align="right" alt="" /></a>As Amazon&rsquo;s #1 best-seller in body fat monitors, you can count on the <a href="http://amzn.to/2bC9Y94">Fitbit Aria Wi-Fi Smart Scale</a> to accurately track your weight, BMI, lean mass, and body fat percentage. It is easy to set up and automatically recognizes up to eight users. You can upload your results through Wi-Fi so that you can easily track your progress. You can also set goals, log food and activities, earn badges, compete with friends, and share progress through the free app, allowing you to stay motivated and better manage your weight. It also syncs with your Fitbit tracker and other popular apps, so you can track your progress however you prefer. It has a sleek appearance and the polished glass surface resists condensation.</p> <p>This highly acclaimed scale comes in either black or white. It has exceptional online ratings, including more than 2,300 five-star reviews on Amazon. It is also recommended by Men&rsquo;s Fitness, CNET, PC Mag, and Tom&rsquo;s Guide.</p> <p><a href="http://amzn.to/2bC9Y94"><em>Currently $105.00 on Amazon</em></a></p> <h3>EatSmart Precision Digital Bathroom Scale</h3> <p><a href="http://amzn.to/2b002kP"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/eatsmart.jpg" width="220" height="220" align="right" alt="" /></a>As Amazon&rsquo;s #1 best-seller in digital bathroom scales, the <a href="http://amzn.to/2b002kP">EatSmart Precision Digital Bathroom Scale</a> has more than 20,000 Amazon reviews. It offers accurate measurements thanks to four high precision sensors. It is easy to use and features &quot;Step-On&quot; Technology, auto calibration, and auto shut-off. It features a slim design, thick tempered glass top, and an extra large 3.5-inch backlit LCD display with large numbers.</p> <p>This digital bathroom scale is recommended by ConsumerSearch and Good Housekeeping, and has nearly 18,000 five-star reviews on Amazon. It is also backed by outstanding customer service and a satisfaction guarantee. If this one doesn&rsquo;t work for you, then ConsumerSearch also recommends the <a href="http://amzn.to/2b1P9zu">EatSmart Precision GetFit Digital Body Fat Scale</a>.</p> <p><a href="http://amzn.to/2b002kP"><em>Currently $22.95 on Amazon</em></a></p> <h3>Withings Smart Body Analyzer</h3> <p><a href="http://amzn.to/2btm7tC"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/withings.jpg" width="245" height="136" align="right" alt="" /></a>The <a href="http://amzn.to/2btm7tC">Withings WS-50 Smart Body Analyzer</a> can collect a lot of data for up to eight different users. It accurately measures weight, body fat percentage, and heart rate. The free app can help you visualize trends and set goals so that you can easily track your progress over time. The smart body analyzer also offers details on the daily weather report, indoor air quality, and temperature. It is easy to use, easy to setup, and easy to read. It has an attractive design and features a personalized online dashboard. It offers automatic wireless syncing and can connect via Bluetooth or Wi-Fi to the Withings app and other third-party mobile and web apps. It is compatible with iOS and Android devices, Apple Watch, and Apple Health.</p> <p>This impressive scale is available in black or white. It is recommended by ConsumerSearch, Consumer Reports, Men&rsquo;s Fitness, PCMag, CNET, The SweetHome, and Tom&rsquo;s Guide. It also has more than 2,000 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2btm7tC"><em>Currently $118.79 on Amazon</em></a></p> <h3>Weight Gurus Bluetooth Smart Connected Body Fat Scale</h3> <p><a href="http://amzn.to/2b5arhj"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/weight%20gurus.jpg" width="197" height="220" align="right" alt="" /></a>The <a href="http://amzn.to/2b5arhj">Weight Gurus Bluetooth Smart Connected Body Fat Scale</a> measures weight, body fat, BMI, muscle mass, hydration, and bone mass. The high accuracy sensors offer precision measurements and the scale calibrates itself automatically. It features auto-off and auto user detection for up to eight different users. It is easy to use and features built-in Bluetooth. It seamlessly integrates with the Weight Gurus app, as well as with other popular fitness services and apps. It has a large 3.25-inch backlit LCD display with oversize numbers, housed in a sleek, low profile body.</p> <p>This scale comes from the #1 U.S. smart scale brand. It is recommended by ConsumerSearch and The SweetHome, and has nearly 700 five-star reviews on Amazon. It comes with outstanding customer support, a 100% satisfaction guarantee, and a five-year warranty. A portion of each sale is also donated to charity, so you can feel good about your purchase.</p> <p><a href="http://amzn.to/2b5arhj"><em>Currently $59.99 on Amazon</em></a></p> <h3>Garmin Index Smart Scale</h3> <p><a href="http://amzn.to/2b59Ko7"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/garmin.jpg" width="245" height="213" align="right" alt="" /></a>The <a href="http://amzn.to/2b59Ko7">Garmin Index Smart Scale</a> measures weight, BMI, body fat, hydration, bone mass, and skeletal muscle mass for up to 16 people. It has quick, easy setup and syncs automatically via Wi-Fi to the free Garmin Connect online fitness community, which will allow you to seamlessly track your progress. It has a big display with bright, large numbers, allowing easy visibility.</p> <p>This smart scale comes in either black or white. It is recommended by Men&rsquo;s Fitness, CNET, Digital Trends, and Tom&rsquo;s Guide.</p> <p><a href="http://amzn.to/2b59Ko7"><em>Currently $149.99 on Amazon</em></a></p> <p>And those are our recommendations for the best smart scales. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-smart-scales">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-charcoal-scrubs">The 5 Best Charcoal Scrubs</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-smart-water-bottles">The 5 Best Smart Water Bottles</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-water-flossers">The 5 Best Water Flossers</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-anti-itch-creams">The 5 Best Anti-Itch Creams</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-shampoos">The 5 Best Pet Flea Shampoos</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Shopping 5 best digital scales Health losing weight product reviews shopping smart scales Thu, 18 Aug 2016 09:30:33 +0000 Andrea Cannon 1774633 at http://www.wisebread.com Is Long Term Care Insurance Worth It? http://www.wisebread.com/is-long-term-care-insurance-worth-it <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/is-long-term-care-insurance-worth-it" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/61715372.jpg" alt="Old woman learning if long term care insurance is worth it" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Worried about how you'd pay for a long stay in a nursing home? These concerns aren't rare. The 2016 Insurance Barometer Study found that 58% of respondents worried they wouldn't have enough money to afford the costs of long-term care.</p> <p>Fortunately, there is an insurance product that can help ease these concerns: long-term care insurance. It pays for services to help people who need assistance with daily activities, or who require supervision because of a disease such as Alzheimer's. People often use this insurance to cover stays in nursing homes.</p> <p>The U.S. population is aging. The U.S. Census Bureau said that there were 46.2 million people 65 and older in 2014, or 14.5% of the country's population. These people are the prime target for long-term care insurance. But you may need it sooner if you have reason to believe you'll need such assistance earlier in life.</p> <h2>Is It Worth It?</h2> <p>Should you invest in long-term care insurance? That depends on a host of factors. Do diseases such as Alzheimer's run in your family? Did your parents and their parents die young, or did they live to an old age? Did they require long stays in nursing homes?</p> <p>Unfortunately, there's no way to predict whether you will need long-term care in your life. You might be healthy today. You might eat well and exercise regularly. This doesn't mean that your health can't suddenly change.</p> <p>Then there are other financial alternatives to consider. By the time you need long-term care, you might be eligible for the government's Medicaid program, which will pay most of the cost of any stays in critical-care facilities or nursing homes. This program is only open to consumers with few assets. Many senior citizens on fixed-incomes, though, will qualify.</p> <p>Also, Medicare will often pay for the first 20 days that you spend in a nursing home. From the 21st to the 100th day, Medicare requires that you make a co-payment of $161 a day.</p> <p>If you do want to invest in long-term care, know that the <a href="http://www.wisebread.com/top-5-health-care-terms-youve-heard-of-but-dont-know-what-they-mean" target="_blank">insurance can be costly</a>. The American Association for Long-Term Care Insurance says that an insurance policy providing $164,000 in immediate coverage will cost a male age 55 in good health an average of $1,060 a year. A single female in good health would pay an average of $1,390 a year for the same coverage, according to the association.</p> <p>A couple, both age 60 with standard health for that age, would pay an average of $2,710 a year &mdash; the combined cost for both members of the couple &mdash; for a long-term care insurance policy with $164,000 in immediate coverage.</p> <p>Better policies will cost significantly more. The association says that a policy providing $164,000 in immediate coverage at age 60 and $365,000 at age 85 would cost a 55-year-old man in good health an average of $2,075 a year. It would cost a 55-year-old female also in good health an average of $2,411 a year.</p> <h2>Long-Term Care Costs Continue to Rise</h2> <p>According to the 2016 Genworth Cost of Care Survey, the cost of long-term care is only getting more expensive. According to the survey, the national median cost of a month's stay in a semiprivate room in a nursing home is $6,844. That figure rises to $7,698 for a month's stay in a private room. The median cost for a stay in an assisted-living facility was $3,628 a month.</p> <p>Other costs associated with long-term care are staggering, too. The Genworth survey found that the median cost for a month's worth of homemaker services was $3,813 and the median cost of a home health aide was $3,861 a month. The median cost of adult day health care services was $1,473 a month.</p> <p>The odds are high that you, too, will need to some form of long-term care as you age. According to a 2013 study by the Centers for Disease Control, more than 8.35 million people receive support from the five main types of long-term care services: home health agencies, nursing homes, hospices, residential care communities, and adult day service providers.</p> <p>You can't predict today whether you will need such care or whether you'll ever need to use a long-term care insurance policy. But for some, the annual investment does provide peace of mind that if you are hit with a huge bill for a long stay in a nursing home, you won't have to bankrupt yourself to pay for it.</p> <p><em>Have you considered long-term care insurance?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/is-long-term-care-insurance-worth-it">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-financial-steps-to-take-after-graduating-from-college">5 Financial Steps to Take After Graduating From College</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/avoid-these-5-costly-health-insurance-mistakes">Avoid These 5 Costly Health Insurance Mistakes</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-expenses-you-should-never-cut">8 Expenses You Should Never Cut</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-pet-health-insurance-worth-it">Is Pet Health Insurance Worth It?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/when-should-single-people-get-life-insurance">When Should Single People Get Life Insurance?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Insurance aging elderly expenses Health long term care insurance nursing homes senior citizens Tue, 26 Jul 2016 10:30:09 +0000 Dan Rafter 1757849 at http://www.wisebread.com When Should Single People Get Life Insurance? http://www.wisebread.com/when-should-single-people-get-life-insurance <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/when-should-single-people-get-life-insurance" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_looking_up_29810428.jpg" alt="Woman wondering if single people should get life insurance" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You know the typical market for life insurance: People with families to protect. When these people die, their life insurance policies make payments to their beneficiaries, whether that be their children or their spouse.</p> <p>But what if you're single without children? Is buying a life insurance policy ever a smart move?</p> <p>In most cases, no, you won't need life insurance if you don't have a spouse or any children who count on your income to pay for their daily living expenses. But as with most financial matters, there are exceptions.</p> <p>Here are some of the most common reasons why a single adult without children might consider buying life insurance:</p> <h2>Policies Are Cheaper When You're Younger and Healthier</h2> <p>If you are a healthy and a nonsmoker, you'll pay less for life insurance when you are 24 than you will when you are 30, 35, or older. That's because you're at more of a risk to die.</p> <p>According to Trusted Choice, an independent insurance agent, a 20-year-old male nonsmoker at a healthy weight would pay about $32.53 a month for a $500,000, 20-year term life insurance policy. That cost rises to $35.69 a month for that same healthy male at 35-years-old. And it soars to $111.38 a month when this same male reaches 50.</p> <p>So, it might make financial sense to buy a life insurance policy when you are in your 20s. Then, when you do get married and have kids, you can change the beneficiaries on your policy to your spouse and children.</p> <h2>You Owe Money With Someone Else</h2> <p>Have your parents co-signed on an auto loan with you? Maybe they've co-signed for that mortgage loan that you are paying off each month. What happens to that debt if you should suddenly die? Your parents will be responsible for paying it off.</p> <p>However, if you have a life insurance policy with your parents named as the beneficiary, they could use the payout from the policy to pay off the debt that they owed with you. Taking out life insurance in this case would serve as a form of protection for whoever was generous enough to take on the risk of co-signing a loan with you.</p> <h2>You're Providing Financial Support to Others</h2> <p>Just because you're not married and you don't have children, doesn't mean that you are not providing financial support to someone. Maybe an elderly parent lives with you and counts on your financial support each month. If you should unexpectedly die, what would happen to that parent? By naming that parent as a beneficiary, you can make sure that they are financially protected.</p> <p>You might even be providing financial support to siblings, nieces, or nephews. The right life insurance policy can make sure that this support continues even after your death.</p> <h2>You Want to Leave a Gift</h2> <p>Maybe you simply want to leave a financial gift to someone who holds a special place in your life, even if this person doesn't really need your financial support. By naming that special person as a beneficiary &mdash; it could be a niece, nephew, partner, or friend &mdash; you'll be leaving behind something of great value should you die.</p> <h2>Term or Whole Life?</h2> <p>Once you've decided that you do want a life insurance policy, it's time to determine what kind of policy you want and how large of a policy you need. There are two main <a href="http://www.wisebread.com/5-reasons-why-life-insurance-isnt-just-for-old-people" target="_blank">types of life insurance policies</a>: the cheaper term life, and the more expensive whole life.</p> <p>Term life insurance provides coverage for just a set period of time &mdash; usually 20 years &mdash; but can be bought for as little as one year, or as many as 30. Your premium will usually remain the same during the entire term. Whole life insurance instead lasts, as the name suggests, until you die. Whole life premiums also include an investment component, what is known as the policy's cash value. The cash value will grow during the life of your policy.</p> <p>It's best to meet with a financial planner to determine which type of policy makes the most sense for you. A planner can provide recommendations, too, on how much insurance you should take out to meet your financial goals and how best to structure your policy so that you can provide the most financial protection to your beneficiaries if you should die.</p> <p><em>Do you have life insurance?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/when-should-single-people-get-life-insurance">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/term-vs-whole-life-insurance-heres-how-to-choose">Term vs Whole Life Insurance: Here&#039;s How to Choose</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/financial-iq-test-how-healthy-is-your-life-insurance-plan">Financial IQ Test: How Healthy is Your Life Insurance Plan?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-things-you-need-to-know-about-disability-insurance">4 Things You Need to Know About Disability Insurance</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-reasons-why-life-insurance-isnt-just-for-old-people">5 Reasons Why Life Insurance Isn&#039;t Just for Old People</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/why-women-need-life-insurance-and-what-to-do-about-it">Why Women Need Life Insurance — and What to Do About It</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Insurance beneficiaries dependents estate planning Health life insurance policies single unmarried Tue, 05 Jul 2016 10:00:09 +0000 Dan Rafter 1741536 at http://www.wisebread.com 8 Expenses You Should Never Cut http://www.wisebread.com/8-expenses-you-should-never-cut <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-expenses-you-should-never-cut" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_holding_heart_000071794005.jpg" alt="Woman learning which expenses she should never cut" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Over the years, I've come up with hundreds of ways to trim proverbial fat from nearly every aspect of your budget. And I stand by those tips, tricks, and strategies because most of us have areas where we can pull back on the spending a bit.</p> <p>But some things are nonnegotiable. There are necessities &mdash; sometimes rather costly ones &mdash; that are required for us to live decent, healthy, and satisfying lives. What are they? Take a look at these eight expenses you should never cut, and let me know some of the areas where you just can't or won't shake out savings in the comments below.</p> <h2>1. Health Care</h2> <p>First and foremost, it's critical to have health insurance. It's required in the United States, whether from a private provider or via Obamacare, and without it you run the risk of either being denied care or racking up serious medical bills that could put your finances in dire straits for the foreseeable future.</p> <p>Aside from that, when you're sick or need medical attention, you want the best care you can get. Some prescriptions are expensive, too, and health insurance can greatly reduce those costs. You should never let coverage lapse because you're generally healthy or you don't think you'll fall ill anytime soon. Murphy's Law dictates that it's in that scenario you'll need medical attention, and you'll want to have insurance on your side.</p> <h2>2. Personal Hygiene</h2> <p>Soap, shampoo, and toothpaste are essential &mdash; and readily available, like on nearly every corner of your neighborhood, for not much money. Which is weird, because I know plenty of people, perfectly well-off individuals at that, who don't seem to use any of it on a regular basis.</p> <p>If you're one of those folks who likes to gripe at the cost of personal hygiene products and therefore use that as your excuse to skimp on washing yourself on a regular basis, you'll be happy to know that bargain brands, like Suave for example, do a bang-up job of keeping you clean. Not to mention that there are always coupons available for hygiene products, especially toothpaste, that can help reduce the cost of these items. Find the items on sale plus pair them with coupons and you'll spend oftentimes less than a dollar on what you need per item.</p> <h2>3. Personal Safety</h2> <p>Most of us practice personal safety consistently. We try to avoid automobile accidents, we look both ways when we cross the road, and we never run with scissors. Those are all subconscious decisions that don't cost a dime, which is why you might be asking yourself how personal safety costs you actual dollars and cents.</p> <p>For starters, the car that you drive should be rated for safety. When you're strapped for cash and need an inexpensive vehicle, choosing a cheap car that gets you from A to B may seem like an ideal option. Certainly there are times &mdash; and financial constraints &mdash; that call for this type of decision-making, but you'll almost always regret it in the long run. Instead, I recommend loosening the purse strings just a little more so you can buy a vehicle that will protect you if you're in an accident, opposed to one that's already falling apart.</p> <p>Another example is safety on the water. Life vests are cumbersome, and nobody likes to wear them. But you know what? They save lives, and there are millions of people in this world who will tell you that they regret not buying or renting life preservers during an outing that resulted in someone's harm or death. It could have been prevented if they had just sprung for the darn things. Thus, spring for the darn things.</p> <h2>4. Healthy Food</h2> <p>It's true, food is expensive, especially the healthy stuff &mdash; but you shouldn't be making cuts to your budget that include reducing the amount of healthy food you're eating by replacing it with less expensive, toxic food &mdash; like that microwaveable junk that comes from the freezer section or the stuff you grab at the drive-thru window.</p> <p>It's okay to indulge in it every now and then &mdash; who doesn't like to dive headfirst into a bag of Doritos from time to time? But most of your food should be fresh and nutritious. You owe it to yourself &mdash; and your longevity &mdash; to eat healthy, and there are lots of ways you can cut down on your healthy food bills if you put in the legwork before going grocery shopping. Wise Bread can help you <a href="http://www.wisebread.com/20-easy-ways-to-stretch-your-grocery-dollars">save a substantial amount</a> on your supermarket bills if you do a little digging for advice.</p> <h2>5. Mental Health Care</h2> <p>Mental health is a hot topic of conversation nowadays, though we should have started talking about it seriously a long time ago. Personally I've suffered from depression and anxiety &mdash; and still do from time to time &mdash; and I've known too many people who have committed suicide because they weren't able to figure things out. Which is why it's my duty to tell you that your mental health is worth every extra penny you can afford. If you need medication, get the medication. If you need someone to talk to &mdash; which can help immensely when you're troubled &mdash; go see a therapist. If you have decent health insurance, prescriptions and therapy should be covered so you can afford to help yourself.</p> <p>And it goes without saying that if you feel like there's no hope left, please believe me when I tell you that there is. People care about you, and you can talk anonymously about whatever you're feeling by calling the National Suicide Prevention Lifeline 24 hours a day, seven days a week at 1-800-273-8255. You matter; whether you believe it right now or not &mdash; <em>you matter</em>.</p> <h2>6. Insurance</h2> <p>By law in most U.S. states you're required to have car insurance. So if you're thinking about cutting it because you don't drive very often or very far, you're in for a rude awakening if you have the unfortunate luck of being in an accident &mdash; and you'll probably go to jail on top of whatever expenses the crash racked up.</p> <p>Homeowners and renters insurance are also areas where it's not wise to be a miser. You don't have to have super-premium, platinum, Superman coverage, but you should have enough coverage to fully cover the things you own &mdash; so they can be replaced quickly and efficiently &mdash; in the event of an accident.</p> <h2>7. Debt Repayment</h2> <p>If you're already pinching pennies because you're in debt, it can be easy to brush it to the side and try to forget about it. You're in so deep that you'll never pay it off, so why worry about it, right? Wrong.</p> <p>In this case, you have few options to stay on track, but you may be able to cut something less important from your budget to continue making payments, or &mdash; and I know this is an offensive idea to some &mdash; pick up an extra job or side gig to start earning more income. The problem with debt is that it will never go away, and it's your responsibility to pay off what you've accumulated. You alone made those purchases, and you alone need to pay them off. There are assistance programs out there that can help, and I recommend researching your options in that regard, but whatever you do, don't act like it doesn't exist. It does, and it will follow you around like a black cloud for the rest of your life until you address it.</p> <h2>8. Things Your Kids Depend On</h2> <p>There's a buzzword that's being tossed around willy-nilly right now with regards to children and teenagers (and even 20-somethings). We hear it a lot: Entitlement.</p> <p>While I contend that American children tend to be somewhat entitled, there are some things to which they're <em>actually</em> entitled &mdash; like a proper education and health services. If your child needs a tutor, hire a tutor. If your child needs a therapist, seek therapy. Hopefully you had children for the right reasons, because you wanted to have a family to love and care for. If you're trying to be over-thrifty in these areas, you may not be doing the best job of holding up your end of the parenting bargain.</p> <p>Find areas in your own grown-up budget to eliminate &mdash; like one of your many memberships perhaps, or that adults-only vacation &mdash; and help your kid stay on the right path, physically, emotionally, and mentally. You owe them that much.</p> <p><em>What costs do you refuse to skimp on?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/8-expenses-you-should-never-cut">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-frugal-living-skills-you-should-be-teaching-your-children">7 Frugal Living Skills You Should Be Teaching Your Children</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-ways-to-save-on-a-shoestring">25 Ways to Save on a Shoestring</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-easy-ways-to-start-taking-better-care-of-yourself-today">9 Easy Ways to Start Taking Better Care of Yourself Today</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-things-a-thanksgiving-turkey-teaches-us-about-money-0">7 Things a Thanksgiving Turkey Teaches Us About Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-tips-from-playbook-for-tough-times-thatll-help-you-live-your-best-life">5 Tips From &quot;Playbook For Tough Times&quot; That&#039;ll Help You Live Your Best Life</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living budgeting children expenses family Health healthy foods hygiene necessary costs safety Mon, 30 May 2016 10:30:05 +0000 Mikey Rox 1717320 at http://www.wisebread.com 9 Ways Life Is Wonderful When You're a Good Driver http://www.wisebread.com/9-ways-life-is-wonderful-when-youre-a-good-driver <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-ways-life-is-wonderful-when-youre-a-good-driver" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_happy_driver_000051470206.jpg" alt="Woman learning ways life is wonderful as a good driver" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><em>This post brought to you by <a href="https://r1.fmpub.net/?k1=cmx-metric&amp;k2=289%7C858%7C3098&amp;k3=disclaimer&amp;k4=&amp;r=http%3A%2F%2Ftags.bluekai.com%2Fsite%2F33111%3Fredir%3Dhttps%253A%252F%252Fbob.dmpxs.com%252Fbob_007.gif%253Fphnx_id%253D105604%2526atype%253Dclick%2526bk_uuid%253D%2524_BK_UUID%2526bobredir%253Dhttps%253A%252F%252Fad.doubleclick.net%252Fddm%252Fclk%252F305005927%253B132382872%253Bc%253Fhttp%253A%252F%252Fwww.progressive.com%252Flp%252Fauto-save%252F%253Fcode%253D9903600564%252526dclid%25253D%252525n-1384245-5108844-132382872-305005927-%252525erid%21" rel="nofollow">Progressive</a>. You could save $598* when you switch to <a href="https://r1.fmpub.net/?k1=cmx-metric&amp;k2=289%7C858%7C3098&amp;k3=disclaimer&amp;k4=&amp;r=http%3A%2F%2Ftags.bluekai.com%2Fsite%2F33111%3Fredir%3Dhttps%253A%252F%252Fbob.dmpxs.com%252Fbob_007.gif%253Fphnx_id%253D105604%2526atype%253Dclick%2526bk_uuid%253D%2524_BK_UUID%2526bobredir%253Dhttps%253A%252F%252Fad.doubleclick.net%252Fddm%252Fclk%252F305005927%253B132382872%253Bc%253Fhttp%253A%252F%252Fwww.progressive.com%252Flp%252Fauto-save%252F%253Fcode%253D9903600564%252526dclid%25253D%252525n-1384245-5108844-132382872-305005927-%252525erid%21" rel="nofollow">Progressive</a>.</em></p> <p>Are you the mom who always gets asked to drive on school field trips? Do you take pleasure in feeling yourself come to a complete stop at intersections? Can you recall many instances over the years when your defensive driving prevented an accident?</p> <p>If your answer was yes, then you know the pleasures of being a truly excellent driver. If no, keep reading to learn more about how the care you take behind the wheel can pay dividends that you may not even be aware of.</p> <h2>1. You and Your Loved Ones Are Safer</h2> <p>Let&rsquo;s get the obvious out of the way first: Bad driving is responsible for <a href="http://www-nrd.nhtsa.dot.gov/pubs/812115.pdf">94% of car crashes</a>. By avoiding poor decisions such as speeding or driving drunk, and avoiding distractions and being vigilant about driving defensively, you make it much less likely that you or a loved one will be injured in a car crash.</p> <h2>2. You Pay Less for Car Insurance</h2> <p>In order to qualify for the lowest insurance premiums, you need a clean record without crashes or tickets. Ask for a good driver&rsquo;s discount or other perks like &nbsp;<a href="https://www.progressive.com/auto/why-choose-progressive-insurance/">accident forgiveness</a> when negotiating rates and if you do get a moving violation, get rid of the point by attending traffic school before it affects your premium.</p> <h2>3. You&rsquo;re Healthier</h2> <p>Engaging in aggressive driving, commonly known as &ldquo;road rage,&rdquo; has been shown to have a <a href="http://health.usnews.com/health-news/articles/2012/08/30/how-to-control-road-rage">negative effect on your health</a>. As you inevitably get into conflicts with other drivers, your stress levels will rise, to the detriment of your immune system, your cardiovascular system, and your emotional wellbeing.</p> <h2>4. You Spend Less at the Pump</h2> <p>Speeding doesn&rsquo;t actually save much time &mdash;&nbsp;going 10 miles faster on a 20 mile trip gets you there all of <a href="http://personal.denison.edu/~silveira/speeding.html">three minutes faster</a>. But slowing down can save you a lot of money.</p> <p>In one case study, a speedy driver saved about four minutes an hour &mdash;&nbsp;at the cost of <a href="http://blog.automatic.com/cost-speeding-save-little-time-spend-lot-money/">$46 more in gas each month</a>.</p> <h2>5. You Learn Life Lessons</h2> <p>Good driving habits just happen to be the same behaviors we need to do well in life, so why not practice them during your commute?</p> <p>The blog <a href="http://www.drivingintherealworld.com/journal/2015/5/1/how-being-a-better-driver-makes-you-better-at-life.html">Driving in the Real World</a> points out that all safe driving tactics have their big-picture equivalents. For example, it&rsquo;s a good idea to keep a safe distance between yourself and other cars on the road, just as it&rsquo;s a good idea to give yourself a time cushion to avoid being late for work. And when other people behave badly, whether it&rsquo;s on the road or at work, it&rsquo;s safer and healthier to just let it go.</p> <h2>6. You Have Better Employment Prospects</h2> <p>There is a long list of jobs that a ticket for reckless driving may disqualify you for, including police officer, <a href="https://about.usps.com/handbooks/el312/el312c5_006.htm">mail carrier</a>, babysitter, and (of course) commercial driver. If you&rsquo;ve been convicted of driving under the influence, things could be even worse, especially if you <a href="https://www.faa.gov/about/office_org/headquarters_offices/ash/ash_programs/investigations/airmen_duidwi/">are or want to be a pilot</a>.</p> <h2>7. You May Have a Better Credit Score</h2> <p>Higher insurance premiums aren&rsquo;t the only way reckless driving can cost you. There are financial costs involved for receiving a citation, getting a DUI, and of course getting in an accident, especially if your insurance plan has a high deductible. Fail to pay any of these bills on time, and there goes your credit rating.</p> <h2>8. Your Kids Will Become Safer Drivers</h2> <p>Teens who report that their parents are not safe drivers are more likely to get tickets or have crashes themselves, <a href="http://www.claimsjournal.com/news/national/2014/01/16/242923.htm">a survey found</a>.</p> <h2>9. You Have Better Dating Prospects</h2> <p>This might surprise you, but a <a href="http://www.perrys.co.uk/car-news/news/bad-driving-damage-love-life/">survey by the Institute of Advanced Motorists</a> ranked road rage and texting while driving as the most offensive things someone could do on a first date. Apparently, singles value the prospect of staying alive until that goodnight kiss.</p> <p>There&rsquo;s no more excuses not to be a good driver when the benefits are clear. Safe driving!</p> <p>*National average annual car insurance savings by new customers surveyed who saved with Progressive in 2015.</p> <script type="text/javascript" charset="utf-8" src="https://vc.cdn.fm/video_conversationalist/system/published/opportunity/105604858/289_3098.js"></script> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/9-ways-life-is-wonderful-when-youre-a-good-driver">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/repair-the-car-or-spend-the-cash">Repair the Car or Spend the Cash?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-science-says-travel-is-good-for-your-health">5 Ways Science Says Travel Is Good for Your Health</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-mechanical-breakdown-insurance-worth-it">Is Mechanical Breakdown Insurance Worth It?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-tell-if-a-car-service-plan-is-worth-it">How to Tell If a Car Service Plan Is Worth It</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-new-face-of-poverty-is-fat">The new face of poverty is fat</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation car insurance good driver good driver discount Health healthy living Tue, 17 May 2016 10:30:09 +0000 Carrie Kirby 1711685 at http://www.wisebread.com The High Cost of Cheap Food http://www.wisebread.com/the-high-cost-of-cheap-food <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-high-cost-of-cheap-food" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000040083502_Large.jpg" alt="cheap food has shockingly high costs" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Compared to most Americans, <a href="http://www.wisebread.com/my-2016-budget-challenge-finding-food">I spend a lot of money on food</a>, almost $100 per month just for fresh produce. But even my grocery bill pales in comparison to what the rest of the world spends on basic nutrition.</p> <p>Americans spend <em>less </em>money as a percentage of income on food than people of any other country in the world. On average, only <a href="http://www.ers.usda.gov/data-products/ag-and-food-statistics-charting-the-essentials/food-prices-and-spending.aspx">6% of our household budget</a> goes to pay for food, compared to the French, who eat through 14% of their income, or the Kenyans, who spend 45% of each paycheck on groceries.</p> <p>But even though it seems like we may be saving money on food compared to the rest of the world, what is the real cost of cheap eats? Let's find out.</p> <h2>It Costs Tax Payers 20 Billion Dollars Per Year</h2> <p>Although fresh produce is out of the budget range of many Americans, the sick irony is that food, especially packaged food, is cheaper in the United States than pretty much anywhere else in the world. This is because the cost of crops like corn is kept artificially low by the government.</p> <p>Food in the United States wasn't always this cheap, though. In 1960 our <a href="http://www.npr.org/sections/thesalt/2015/03/02/389578089/your-grandparents-spent-more-of-their-money-on-food-than-you-do">grandparents were spending about 17.5%</a> of their income on food. Then, in the 1970s, Earl Butz, Nixon's Secretary of Agriculture, re-engineered New Deal farm programs that were meant to stabilize the food supply, into a support system for the factory farming of corn and soy.</p> <p>Starting in 1971, crops like corn, soy, and wheat started getting heavily subsidized &mdash; to the tune of 20 billion dollars a year. What this means is that corn farmers can make more money from their government subsidy than they do by actually selling corn. Of course, since farmers have such a wonderful incentive to grow corn, they grow lots and lots of it.</p> <h2>We Pay for Cheap Food Twice</h2> <p>So how do farmers dispose of their artificially cheap product, paid for, in part, by taxpayer dollars? By selling it to food manufacturers as filler, preservatives, and binding agents. Surprise! All those mystery ingredients listed on food packages like citric acid, fructose, sorbitol, dextrose, lactic acid, MSG, malt, and diglycerides are all corn byproducts. And, each of these non-food ingredients contains calories.</p> <h2>We End Up Spending More Money on Health Care</h2> <p>Documentary films like <a href="http://www.amazon.com/gp/product/B017JLWVPY/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B017JLWVPY&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=SRYAPRKLX6ILCMPD">Super Size Me</a> and <a href="http://www.amazon.com/gp/product/B002VRZEYM/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B002VRZEYM&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=ILATPAZ6BC255M5L">Food Inc.</a> have spotlighted the health consequences of cheap food, especially on America's poor. But obesity, heart disease, and diabetes are not the only health problems linked to fast food. A Harvard Medical School study also found that <a href="http://www.health.harvard.edu/blog/think-fast-when-kids-want-fast-food-201301315846">children who eat fast food</a> three times a week had increased risks of asthma and eczema.</p> <p>U.S. farmers actually produce the equivalent of <a href="http://www.usda.gov/factbook/chapter2.htm">3,800 calories per person</a> per day. This is at least <a href="http://www.cnpp.usda.gov/sites/default/files/usda_food_patterns/EstimatedCalorieNeedsPerDayTable.pdf">1,000 calories more per day</a> than is recommended for people who are moderately active. So is it any wonder that Americans are fat?</p> <h2>It Causes Poverty and Hunger</h2> <p>As a result of NAFTA, Mexico has been flooded with cheap, government subsidized corn from the United States. Mexico, which is the birthplace of corn, now imports a third of its corn from America.</p> <p>There are some huge problems with other nations becoming dependent on subsidized American crops. First, Mexican corn farmers who were unable to compete against the artificially low cost of imported U.S. corn were forced out of business. Obviously, when farmers lose their farms, they don't grow food to eat, they don't grow food to sell, and without work, they have no money to buy food. Millions of Mexican farmers lost their jobs due to cheap, imported food. Also, when poor countries become dependent on cheap imported foods, they risk a food crisis when there is a price spike on staple foods. This can lead to widespread hunger, which is what happened in Mexico with corn in 2007 and in the Philippines with rice in 2008.</p> <h2>The Environmental Cost Is Staggering</h2> <p>To quote FDR, &quot;A nation that destroys its soil destroys itself.&quot; Farming is difficult and expensive, so many farmers are forced to max out production or go out of business. This 'go big or go broke' behavior is not financially or environmentally sustainable. Monoculture farming, although extremely efficient, burns through resources like water and topsoil. Commercial agriculture is currently <a href="http://modernfarmer.com/2015/07/ogallala-aquifer-depletion/">draining groundwater</a> in the Midwest about eight times faster than rain is putting it back in. This could lead to a second Dust Bowl.</p> <h2>Animals Pay the Price</h2> <p>If you forced a dog to live in a small box for its entire life, you could be arrested for animal cruelty and your neighbors would treat you like a pariah. What most people don't want to think about is that this kind of torture is the typical experience of <a href="http://www.rollingstone.com/feature/belly-beast-meat-factory-farms-animal-activists">factory-farmed chickens, pigs, and cows</a>. Some animals will only see daylight on the day that they are slaughtered. Animal cruelty is the price of cheap meat.</p> <h2>The Working Conditions Are Terrible</h2> <p>Animals aren't the only ones that subsidize low food prices with their bodies. Last year an investigation by The Guardian revealed that much of the <a href="http://www.theguardian.com/global-development/2014/jun/10/supermarket-prawns-thailand-produced-slave-labour">shrimp that the U.S. imports from Thailand</a> was the work product of slaves. But slave labor doesn't just happen in the Third World. Thousands of farm workers in the United States work in very poor conditions. More than 1,200 people have been rescued from <a href="http://www.npr.org/2011/08/26/139972669/the-unsavory-story-of-industrially-grown-tomatoes">agricultural slavery rings in Florida</a> alone.</p> <h2>You Risk Sickness</h2> <p>While Chipotle is blaming its multistate <a href="http://www.eater.com/2016/2/5/10922434/chipotle-e-coli-beef-australia">E. Coli outbreak on Australian beef</a>, it's frankly shocking that this type of mass food poisoning doesn't happen more often.</p> <p>For starters, it is common practice in the United States to <a href="http://www.motherjones.com/environment/2013/12/we-feed-cows-chicken-poop">feed cows chicken poop</a>. Also, in order to cut costs, some slaughterhouses have managed to speed up their kill lines by 50%. Not only does this massive increase in volume result in more <a href="http://foodsafety.news21.com/2011/safety/inspection/feces/">food contamination from fecal matter</a>, but also more animal abuse and human rights violations. Stool run-off from factory farming, or Concentrated Animal Feeding Operations in agribusiness parlance, <a href="http://www.ncbi.nlm.nih.gov/pmc/articles/PMC1817674/">pollute the water table</a> and create <a href="http://www.washingtonpost.com/wp-dyn/content/article/2010/02/28/AR2010022803978.html?sid=ST2010030100323">dead zones</a> in oceans and rivers.</p> <h2>We're Funding the Zombie Apocalypse</h2> <p>One of modern life's existential horrors is the rise of antibiotic resistant bacteria caused by antibiotic overuse. So, while parents are becoming more selective about dosing their kids for minor illnesses, these same moms and dads are unaware that livestock in the United States &mdash; because the animals are constantly sick from a diet of garbage and from standing in their own waste &mdash; is pumped full of antibiotics. In fact, the FDA has confirmed that <a href="http://www.foodsafetynews.com/2011/02/fda-confirms-80-percent-of-antibiotics-used-in-animal-ag/#.Vx-nJqMrKRt">animal agriculture consumes 80% of all antibiotics</a> used in America. While meat producers argue that they are not breeding superbugs along with their livestock, a team of researchers from the <a href="http://cid.oxfordjournals.org/content/early/2011/04/14/cid.cir181.full.pdf">Translational Genomics Research Institute</a> discovered that one in four packages of meat and poultry in the United States contains multidrug resistant staph bacteria.</p> <h2>What Can One Person Do?</h2> <p>Ugh. All of this is terrible. Is it actually possible to eat responsibly without going broke or supporting human trafficking? Here are some things to consider.</p> <h3>1. Don't Waste Food</h3> <p>When food goes to waste, you not only waste money, you waste all the water, fertilizer, and labor that went into growing the food and transporting it to your plate. So, even if you don't know if your food is ethically produced, you don't have to be the weakest link.</p> <h3>2. Eat Healthy on a Budget</h3> <p>Eating a really <a href="http://bmjopen.bmj.com/content/3/12/e004277.full?sid=820d6e1a-280e-47a6-b8c5-498bfa4657e3">healthy diet costs $1.50 more per day</a> than eating an unhealthy diet. And $550 per year is a steep cost for many people, but compared to diet-related health costs, this is chump change. Every effort to eat healthy is a reward to your body, so just do as much as you can afford.</p> <p>Luckily, even people on food assistance can eat healthy. Leanne Brown created <a href="https://8b862ca0073972f0472b704e2c0c21d0480f50d3.googledrive.com/host/0Bxd6wdCBD_2tdUdtM0d4WTJmclU/good-and-cheap.pdf">Good and Cheap</a>, a free online cookbook for people living on the SNAP budget of $4 per day for food. The book is beautifully photographed and the recipes are delicious. Brown's recipes encourage flexibility &mdash; because staying on budget means cooking with what's on sale and available. She has made it easy to substitute ingredients and still prepare yummy meals.</p> <h3>3. Eat Less Meat</h3> <p>Livestock accounts for 18% of greenhouse gases. So one simple thing that everyone can do to slow down global warming is to eat less meat. Personally, my husband and I <a href="http://www.wisebread.com/my-2016-budget-challenge-finding-food">save a ton of money</a> by eating lower on the food chain. We are &quot;domestic vegetarians,&quot; who eat meatless, homemade meals during the week.</p> <h3>4. Drink Less Sugar</h3> <p>A recent study of school children in my neighborhood revealed that 40% of their calorie intake came from sugary beverages. (It should come as no surprise that childhood obesity is at epidemic levels in my area.) When this fact was brought to light, a number of families were able to make one healthy dietary change that also saves them hundreds of dollars every year: they started drinking tap water instead of soda.</p> <h3>5. Shop Seasonally</h3> <p>Buy in-season produce. If you see peaches at the grocery store in December, you can pretty much assume that fruit was grown outside of the country. You will pay extra for the shipping costs of your food, and the planet will pay the cost of the transport in the form of more pollution.</p> <p>Also, from a straight-up foodie standpoint, produce that must be transported is bred for shipping, not for flavor, which is why store-bought tomatoes are tasteless. In-season produce, which has been allowed to ripen on the plant or in the field, not only taste better than produce that was picked green, but is more nutritious.</p> <h3>6. Shop Locally</h3> <p>Support your local growers. It costs a lot of money to grow high quality food, sustainably. Even if you cannot afford to buy all your food locally, every little purchase counts, and all that money goes back to your own community. Also, it pays to ask around. I literally get tons of free backyard fruit donated to me every year by neighbors who can't eat through all their backyard produce and don't want it to go to waste. There are ways to find low cost food with a low carbon footprint pretty much everywhere. Just do what you can.</p> <p><em>Are you concerned about the impact of cheap food on the planet? What do you do to eat more responsibly?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/max-wong">Max Wong</a> of <a href="http://www.wisebread.com/the-high-cost-of-cheap-food">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/should-there-be-a-fat-tax-on-junk-food">Should There Be a &quot;Fat Tax&quot; on Junk Food?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-new-face-of-poverty-is-fat">The new face of poverty is fat</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-foods-scientifically-proven-to-increase-your-lifespan">6 Foods Scientifically Proven to Increase Your Lifespan</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/why-is-it-so-expensive-to-be-healthy">Why is it so expensive to be healthy?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/avoid-these-fast-food-items-say-fast-food-employees">“Avoid These Fast Food Items,” Say Fast Food Employees</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink Health and Beauty budget meals Cheap Food dollar menus Fast Food food budget Health junk food Wed, 27 Apr 2016 10:00:09 +0000 Max Wong 1698447 at http://www.wisebread.com Flashback Friday: The 95 Best Ways to Get Fit for Free http://www.wisebread.com/flashback-friday-the-95-best-ways-to-get-fit-for-free <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-the-95-best-ways-to-get-fit-for-free" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_exercise_plank_000083103031.jpg" alt="Woman finding ways to get fit for free" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Getting in shape can seem like an uphill battle, especially if it costs big bucks to do so. You shouldn't need to spend all of your hard-earned money to become your healthiest self. There are so many ways to exercise on the cheap, or even for free. You don't need a pricey gym membership and a closet full of designer yoga pants. Really, all you need are some comfy clothes, space to move, and determination to keep pushing even when you get tired.</p> <p>Here are our 95 best fitness hacks for getting in great shape without spending any money.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/family-460428563.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/10-surprising-benefits-of-a-10-minute-walk?ref=fbf">10 Surprising Benefits Of: A 10 Minute Walk</a> &mdash; Don't underestimate the power of a short walk. Choosing to get outside and move &mdash; no matter how fast or slow &mdash; is an excellent way to promote overall health. So get outdoors and start walking!</p> <p><a href="http://www.wisebread.com/9-quick-workouts-you-can-do-during-commercial-breaks?ref=FBF">9 Quick Workouts You Can Do During Commercial Breaks</a> &mdash; Not only can you get your sweat on for free, but you can also do it while you watch your favorite shows. It doesn't get much easier than that, right?</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman-exercise-living-room-Dollarphotoclub_63851547.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/36-workouts-you-can-do-in-your-living-room-while-its-cold-out?ref=fbf">36 Workouts You Can Do in Your Living Room While It's Cold Out</a> &mdash; The only time winter isn't coming is when it's already winter, so you should have an indoor workout routine already established by the time the snow starts to fall. These are all fun and effective!</p> <p><a href="http://www.wisebread.com/12-cheap-home-workout-hacks-for-people-with-no-equipment-and-no-room?ref=fbf">12 Cheap Home Workout Hacks for People With No Equipment and No Room</a> &mdash; It turns out you don't even need much space or exercise equipment to get in shape. Just use the contents of your pantry, furniture, and your own body weight to add resistance to your sweat sesh.</p> <p><a href="http://www.wisebread.com/5-ways-to-work-out-when-its-hot-outside?ref=fbf">5 Ways to Work Out When It's Hot Outside</a> &mdash; Sweating when you're already covered in sweat from the heat isn't fun for anyone. But rather than heading outside for your workout, stay indoors and get fit during the warmer months.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/exercise-479677521.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/these-at-home-exercises-will-give-you-a-gym-quality-workout-for-free?ref=fbf">These At-Home Exercises Will Give You a Gym-Quality Workout for Free</a> &mdash; You don't need to be a gym rat to look like one. Here are several sweat-inducing moves you can make at home, all while spending zero dollars.</p> <p><a href="http://www.wisebread.com/10-exercises-to-do-at-work-that-dont-make-you-look-silly?ref=fbf">10 Exercises to Do at Work That Don't Make You Look Silly</a> &mdash; Kill two birds with one stone and work out while you're at work. That way, when your work day is over, your workout work is also done.</p> <p><em>How do you get fit for free? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-the-95-best-ways-to-get-fit-for-free">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-76-best-life-lessons-you-should-learn-by-30">Flashback Friday: The 76 Best Life Lessons You Should Learn by 30</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-60-best-ways-to-use-food-other-than-eating-it">Flashback Friday: The 60 Best Ways to Use Food Other Than Eating It</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-99-best-fitness-hacks-of-all-time">Flashback Friday: The 99 Best Fitness Hacks of All Time</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-119-best-fitness-hacks-for-busy-people">Flashback Friday: The 119 Best Fitness Hacks for Busy People</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-38-ways-to-get-more-sleep-tonight">Flashback Friday: 38 Ways to Get More Sleep Tonight</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Budgeting Health and Beauty budget fbf fitness hacks flashback friday free fitness frugal fitness Health saving money Fri, 22 Apr 2016 10:00:08 +0000 Chrissa Hardy 1695510 at http://www.wisebread.com 5 Ways Science Says Travel Is Good for Your Health http://www.wisebread.com/5-ways-science-says-travel-is-good-for-your-health <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-ways-science-says-travel-is-good-for-your-health" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000059795628_Large.jpg" alt="travel is good for your health" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>People have always said that travel is food for the soul, and that it broadens the mind, but what does it do for one's health? Recent studies have shown that taking annual vacations and spending more time on the road can reduce heart disease, increase libido, and even lengthen lifespans, in some cases. Here are five ways that travel can be beneficial for your health, with the scientific studies to back them up.</p> <h2>1. It Prevents Dementia and Alzheimer's</h2> <p>The Transamerica Center for Retirement Studies, the U.S. Travel Association, and the Global Commission on Aging conducted a study in late 2015 and their findings were staggering. A poll revealed that travel can significantly <a href="http://www.transamericacenter.org/docs/default-source/resources/travel-survey/tcrs2013_sr_travel_and_aging.pdf">reduce the risk of dementia</a> and Alzheimer's Disease, especially in retirees.</p> <p>Travel helps the brain by forcing it to deal with new environments, smells, scents, and sounds. By shocking your brain with new experiences on a regular basis, you can effectively build new synapses. One of the best cerebral exercises is culture shock. By traveling more frequently, you're essentially giving your brain a workout and helping it to build these vital connections on a daily basis.</p> <p>Alzheimer's is known to destroy synapses, but if you have a healthy brain with strong cellular formations and a thick cortex (such as one built by frequent culture shock), the effects of the disease can be minimized or even halted, in some cases.</p> <h2>2. It Can Save Your Heart</h2> <p>According to the results of the same study mentioned above, men who don't take annual vacations are at a 20% greater risk of death from any cause and a 30% higher risk of dying from heart disease. Women were also tested and the outcome showed that women who travel less than once every six years are at a substantially higher risk of heart attack when compared to those who travel twice a year.</p> <p>A second study, known as the Framingham Heart Study, tested women between the ages of 45-64 and asked them how often they traveled. And 20 years later, they followed up with the same women and they found that those who had said they traveled more often were less likely to have heart problems. They also found that <a href="https://www.framinghamheartstudy.org/">travel helped with blood pressure</a> and overall health.</p> <h2>3. It Spurs Your Creativity</h2> <p>Now that we understand how travel can build new synapses in the brain to help reduce the risk of mental disorders like Alzheimer's and dementia, it's no surprise that exercising your brain can also increase your overall mental health, and even help your creativity.</p> <p>Adam Galinsky, a professor at Columbia Business School and the author of numerous studies on the connection between creativity and travel, says that &quot;Foreign experiences increase both cognitive flexibility and depth and integrativeness of thought, the ability to make deep connections between disparate forms.&quot; In other wards, travel helps us recognize connections between things we normally wouldn't connect.</p> <p>His most recent study, conducted in February of 2015, showed that the more countries people have lived and traveled in, the more creative their minds tend to be. Galinsky claims that the effects are not so cut and dry, however.</p> <p>He states that the key to <a href="http://amj.aom.org/content/58/1/195.abstract">mental stimulation through travel</a> is multicultural engagement, immersion, and adaptation. A person who lives in another country and actively engages in the culture will likely enjoy a stronger creative boost than someone who simply travels to lay on a beach.</p> <p>He says: &quot;Going to Cancun for spring break probably won't make a person any more creative, but going to Cancun and living with local fishermen might.&quot;</p> <h2>4. It Helps You Be More Productive</h2> <p>You may think that working through your holidays is actually helping you to get ahead, but studies have shown that the exact opposite is true. People who take less than three holiday days per year, are far less likely to complete their annual goals.</p> <p>According to a study conducted on 971 employees by the U.S. Travel Association in October 2013, Americans who haven't taken all of their holidays tend to have lower productivity, poorer morale, and decreased health.</p> <p>Unfortunately, the same study showed that 34% of employees said that their employer didn't encourage them to take time off and 17% of managers surveyed considered their employees &quot;less dedicated&quot; if they chose to take vacations.</p> <p>This national disconnect is a large part of the reason why hardworking North Americans consider Europeans to be &quot;lazy,&quot; when in fact, their extended holidays probably make them more productive at work.</p> <h2>5. It Reduces Stress and Increases Happiness</h2> <p>We all know that a stressful life can lead to all sorts of health complications. By taking annual vacations, you are more likely to relieve the stress and tension of your day-to-day life, making you feel more rejuvenated after returning to work.</p> <p>The same study conducted by the Global Commission on Aging, the Transamerica Center for Retirement Studies, and the U.S. Travel Association, showed that nine out of 10 people showed signs of significant stress reduction within just a day or two of being on vacation.</p> <p>Nearly 90% of those people tested also showed signs of having a more positive outlook on life and on the world.</p> <p>Another study conducted by the San Francisco State University revealed that <a href="http://www.eurekalert.org/pub_releases/2014-04/sfsu-cte032814.php">people are actually happier</a> when they spend their money on travel, rather than material possessions. One study showed that even though people thought that a purchase would bring them happiness, most respondents reported that spending money on life experiences actually ended up making them happier than material purchases and was &quot;the better value.&quot;</p> <p>Who doesn't want to be happy and healthy? Travel is the cure to many ailments, not the least of which are naivety and intolerance. By traveling more, you will broaden your mind and open your heart, but you can potentially extend your life and prevent deadly disease, as well. So get out there and explore... It's good for you.</p> <p><em>How has travel improved your life? Share with us in the comments.</em></p> <h2 style="text-align: center;">Like this post? Pin it!&nbsp;</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F5-ways-science-says-travel-is-good-for-your-health&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%20Ways%20Science%20Says%20Travel%20Is%20Good%20for%20Your%20Health.jpg&amp;description=5%20Ways%20Science%20Says%20Travel%20Is%20Good%20for%20Your%20Health" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/5%20Ways%20Science%20Says%20Travel%20Is%20Good%20for%20Your%20Health.jpg" width="250" height="374" alt="" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/goats-on-the-road">Goats on the Road</a> of <a href="http://www.wisebread.com/5-ways-science-says-travel-is-good-for-your-health">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/healthy-frugal-eating">Healthy, frugal eating</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-new-face-of-poverty-is-fat">The new face of poverty is fat</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/get-enough-sleep">Get enough sleep</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-travel-this-holiday-season-without-getting-sick">How to Travel This Holiday Season Without Getting Sick</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/people-who-love-their-bodies-never-do-these-17-things-do-you">People Who Love Their Bodies Never Do These 17 Things — Do You?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Travel disease prevention good for you Health healthy living science travel perks wanderlust Thu, 21 Apr 2016 09:01:03 +0000 Goats on the Road 1694625 at http://www.wisebread.com Flashback Friday: The 60 Best Ways to Use Food Other Than Eating It http://www.wisebread.com/flashback-friday-the-60-best-ways-to-use-food-other-than-eating-it <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-the-60-best-ways-to-use-food-other-than-eating-it" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_cucumber_eyes_000000765447.jpg" alt="Woman using foods in ways other than eating them" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Eating food might be the best time of anyone's day. And while food is meant to be consumed with thorough chewing wrapped in &quot;ooh&quot;s and &quot;ahh&quot;s, it can also be used for beauty, decor, and home repair. Though you'd probably use a jar of honey as a sweetener over a face mask ingredient any day, it's comforting to know that the contents of your kitchen have the potential to take care of all of your everyday needs.</p> <p>Here are the 60 best food hacks that have nothing to do with eating.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/bowl_of_lemons_000019714803_0.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/4-ways-to-use-your-food-that-dont-involve-eating?ref=fbf">4 Ways to Use Your Food That Don't Involve Eating</a> &mdash; Aside from keeping your skin and hair all kinds of gorgeous, you can use food as home decor, pesticides, and cleaning products! A little DIY magic can make your fridge's contents go a long way.</p> <p><a href="http://www.wisebread.com/10-unexpected-home-uses-for-mayonnaise?ref=fbf">10 Unexpected Home Uses for Mayonnaise</a> &mdash; It turns out, mayo is seriously <em>amayozing</em>. Sorry, had to do it. But for real, this beloved condiment kills head lice, fixes cracks in wooden furniture, strengthens fingernails, and beyond. It's all kinds of handy.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/women_wearing_facemasks_000050640308_0.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/9-diy-beauty-masks-made-from-food?ref=fbf">9 DIY Beauty Masks Made From Food</a> &mdash; Just open the fridge and you'll find a vast array of beauty products! So instead of wasting extra cash on a face mask, just make your own using edible ingredients from your kitchen.</p> <p><a href="http://www.wisebread.com/15-unexpected-uses-for-peanut-butter?ref=fbf">15 Unexpected Uses for Peanut Butter</a> &mdash; You might be shocked to learn that PB performs better without the J, especially when it's not used for eating. Peanut butter can be used as a leather cleaner, a squeak squasher, and a delicious way to lure pests to their death. Mind = blown.</p> <p><a href="http://www.wisebread.com/5-things-to-do-with-your-coffee-beans?ref=fbf">5 Things to Do With Your Coffee Beans</a> &mdash; Of course, your morning cup of joe is sacred. But if you've got any extra coffee beans lying around, put them to good use with these brilliant tricks!</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/honey_000050003532.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/7-unexpected-uses-for-honey?ref=fbf">7 Unexpected Uses for Honey</a> &mdash; Did you know honey can heal burns? I didn't either! Honey is a wonder product that can do so much more than simply sweeten your tea.</p> <p><a href="http://www.wisebread.com/10-surprising-and-useful-things-to-do-with-ketchup?ref=fbf">10 Surprising and Useful Things to Do With Ketchup</a> &mdash; Oh, you thought ketchup was just a cheap way to dress up a burger? Think again. This talented condiment can shine copper, fight skunk odor, prevent cancer, and so much more!</p> <p><em>What are your best non-food food hacks? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-the-60-best-ways-to-use-food-other-than-eating-it">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-76-best-life-lessons-you-should-learn-by-30">Flashback Friday: The 76 Best Life Lessons You Should Learn by 30</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-81-best-tips-for-saving-big-at-the-grocery-store">Flashback Friday: The 81 Best Tips for Saving Big at the Grocery Store</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-95-best-ways-to-get-fit-for-free">Flashback Friday: The 95 Best Ways to Get Fit for Free</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-63-best-cooking-hacks-for-busy-people">Flashback Friday: 63 Best Cooking Hacks for Busy People</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-107-best-breakfast-hacks-to-start-your-day-off-right">Flashback Friday: The 107 Best Breakfast Hacks to Start Your Day Off Right</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Budgeting Food and Drink budget fbf flashback friday food hacks frugal food Health saving money Fri, 15 Apr 2016 10:00:12 +0000 Chrissa Hardy 1690723 at http://www.wisebread.com Flashback Friday: The 76 Best Life Lessons You Should Learn by 30 http://www.wisebread.com/flashback-friday-the-76-best-life-lessons-you-should-learn-by-30 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-the-76-best-life-lessons-you-should-learn-by-30" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_smiling_coffee_000083191027.jpg" alt="Woman learning best life lessons by age 30" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Getting older is scary. You're losing your supple, wrinkle-free glow one day at a time, you're edging closer to retirement and you may or may not have a sufficient amount of money saved, and ultimately, you're running out of time to accomplish your goals. But the flip side of that is with age comes wisdom, and by age 30, you should have a ton of it. Mainly because everyone's 20s are a hot mess of transitions, frightening unknowns, and emotional ups and downs. So once your 20s are behind you, you're ready to live your life like a <em>boss</em>.</p> <p>Here are our 76 best bits of wisdom to become your best self by age 30.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/young_woman_money_000062037450.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/7-personal-finance-milestones-every-20-and-30-year-old-should-hit?ref=fbf">7 Personal Finance Milestones Every 20 and 30 Year Old Should Hit</a> &mdash; Successfully managing your money is a struggle at every age. But if you can come up with the right strategy by 30, and stick to it, then you'll be living a very sweet life.</p> <p><a href="http://www.wisebread.com/5-financial-mistakes-you-need-to-stop-making-by-30?ref=fbf">5 Financial Mistakes You Need to Stop Making by 30</a> &mdash; Just as important as learning what to do, is learning what not to do. You probably made all of these mistakes in the rough and tumble times in your 20s, but it's time to break these reckless habits by your third decade on Earth.</p> <p><a href="http://www.wisebread.com/10-things-to-stop-doing-on-social-media-by-30?ref=fbf">10 Things to Stop Doing on Social Media by 30</a> &mdash; We live in a digital age, in which the way you conduct yourself online is almost as important as the way you conduct yourself in person. So seriously, stop taking drunk, revealing selfies and plastering them all over the web.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_cooking_000057441244.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/10-life-hacks-you-should-master-by-age-30?ref=fbf">10 Life Hacks You Should Master by Age 30</a> &mdash; From changing a tire to properly wrapping a present, these are the skills you should master by the time you hit the big 3-0. Some are easy, and some are hard, but all will make you a self-sufficient human. And that is priceless.</p> <p><a href="http://www.wisebread.com/5-life-mistakes-you-need-to-stop-making-by-30?ref=fbf">5 Life Mistakes You Need to Stop Making by 30</a> &mdash; Adulting is not always easy. In fact, most of the time, it's incredibly difficult. But by 30, it's truly time to grow up and stop making irresponsible life choices.</p> <p><a href="http://www.wisebread.com/12-foods-everybody-should-be-able-to-cook-by-30?ref=fbf">12 Foods Everybody Should Be Able to Cook by 30</a> &mdash; Even if you're not much of a cook, you should be able to throw together a basic and hearty meal for yourself in a pinch. From pasta to pancakes, these are the foods you should really know how to cook by now.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/30-somethings_financial_goals.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/10-money-goals-all-30-somethings-should-have?ref=fbf">10 Money Goals All 30-Somethings Should Have</a> &mdash; Now that your 20s are officially behind you, it's time to get serious about your financial goals. You've always dreamed of retiring on a beach with cocktails always in hand, yes? Well, now is the time to make that dream come true.</p> <p><a href="http://www.wisebread.com/8-career-mistakes-to-stop-making-by-30?ref=fbf">8 Career Mistakes to Stop Making by 30</a> &mdash; Decade numero tres is usually around the time people get laser-focused on their career goals. So if you're looking to switch industries, start your own business, or get a promotion, make sure you're always being your best self at work, and stop letting these mistakes slow you down.</p> <p><a href="http://www.wisebread.com/9-things-successful-30-somethings-do?ref=fbf">9 Things Successful 30-Somethings Do</a> &mdash; Oh you, wanna be a baller? Learn from the best, and adopt these smart habits of successful 30-somethings and you'll be well on your way.</p> <p><em>What are your tips for mastering the game of life by age 30? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-the-76-best-life-lessons-you-should-learn-by-30">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-60-best-ways-to-use-food-other-than-eating-it">Flashback Friday: The 60 Best Ways to Use Food Other Than Eating It</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-95-best-ways-to-get-fit-for-free">Flashback Friday: The 95 Best Ways to Get Fit for Free</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-81-best-tips-for-saving-big-at-the-grocery-store">Flashback Friday: The 81 Best Tips for Saving Big at the Grocery Store</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-119-best-fitness-hacks-for-busy-people">Flashback Friday: The 119 Best Fitness Hacks for Busy People</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-107-best-breakfast-hacks-to-start-your-day-off-right">Flashback Friday: The 107 Best Breakfast Hacks to Start Your Day Off Right</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Budgeting Lifestyle budget fbf flashback friday frugal food Health saving money Fri, 08 Apr 2016 10:00:08 +0000 Chrissa Hardy 1686913 at http://www.wisebread.com