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  • Hurricane Season Considerations: Generator Edition

    Hurricane Season Considerations: Generator Edition


    Last week, we answered the question; What do people need to know about hurricane season?

    In responding to that question, it occurred to me that there is more to the answer and I want to focus on the question of power.

    For most of us most of the time, a power outage is relatively rare and short-lived.

    But during a hurricane, all bets are off. A power outage that would normally take a couple of hours to fix could take three days to get to during a hurricane because

    • It may not be safe to deploy restoration crews.
    • Some crews may not be able to leave their own homes.
    • Your line may not be in a high-priority area.

    So that leaves us with the question, how do I provide power at my home when the grid is down. Life is better if you think about this question well before the storm begins to show up on the evening news, your tik tok feed, or YouTube. Like, think about this now.

    There are three high-end ways to make sure that you have power when the grid is down. You could invest in solar panels and since you’re already in that far, make sure that they install the battery backup so that you can store a few days’ worth of power. You could also buy an electric vehicle if you’re a fan of those. They can be your battery backup if you lose power. Just make sure that you keep that EV charged because they can’t charge without power. You could also have a whole home generator installed at your house. These may run on gasoline, natural gas, or propane, and are designed to kick in automatically if the power goes down.

    Now that we have that crowd out of the way, let me talk to the rest of us, who are looking for some way to have power just in case the grid goes down, and we don’t have the bankroll for the other solutions.

    For those who want power, but don’t want much in the way of maintenance or fuel cost, there are several types of power stations that are relatively small and can power anything from a couple of phone chargers and fans to operating small kitchen appliances. These power stations can be charged by plugging into the house (before you need them) and many include a solar panel or can be connected to a portable solar panel.

    Maybe you’re thinking about a more traditional generator. So let’s talk about those. A portable generator is usually small enough to be moved by one or two people and they can normally power much of your house, although pay attention to the running wattage, not the crank wattage, and make sure that you don’t exceed your generator’s ability to provide power. That’s why they have fuses, and they can go out on you if you’re not careful.

    If you get a generator, take the following precautions.

    • Use it outdoors in a well-ventilated area. I don’t care if you think someone might steal it, keep it outside. It’s burning gas and creating carbon monoxide. If you don’t know why that’s bad, just search the internet.
    • Get a plug professionally installed. That way, when your neighbor comes over for the next cookout, you can show it off and humble brag that you’re ready for the next storm.
    • Run it on the manufacturer’s recommended schedule. Put gas in, crank it up, and plug something in. Run it for a little while, and then shut it down and put it away. Not only can you flex on the neighbors who don’t have a generator, but it keeps the mud daubers from building a nest in your carburetor.

    One more thing, if you get a generator that you hook into your home at all, no matter how you do it, or how big it is, this last point is the most important for you.

    Turn off your main power shut off before you hook up, or turn on your generator. If you don’t do that, you will feed at least some of your power into the powerlines. It may not be enough to provide juice to your neighbor for their freezer, but it could be enough to injure or kill a power restoration crew member and you don’t want that. Their jobs are too hard without us adding a surprise level of difficulty to them.

    Topics
    Catastrophe
    Natural Disasters
    Hurricane

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  • Which Debts Should You Pay Off First — Credit Cards or Student Loans?

    Which Debts Should You Pay Off First — Credit Cards or Student Loans?


    Having more than one type of debt is common, and that’s especially true once you graduate from college and start your first “real job.” You may have credit card debt, an auto loan, and a mortgage payment to make once you buy your first home. It’s also common to have other random debts to cover, including student loans.

    If you’re like many who took out loans during college, you will likely be paying them off after you graduate. In fact, 82% of students who borrowed loans expect to be making payments post-graduation, according to a recent College Ave Student Loans survey.  

    That said, you’ll want to make sure you’re balancing debt repayment with your savings goals along the way. 

    You’ll also want to make sure you’re paying down debts in the optimal order, or in a way that will help you save the most money on interest as possible while aligning with your goals. Which debts should you pay off first? Here’s a rundown of how to get the best results:

    1. Pay Off High-Interest Debts 

    No matter which types of debt you have, credit card debt should be your first priority. Why? Because credit card debt is likely the most expensive debt you have by far.

    Federal Reserve data shows the average credit card interest rate on accounts assessed interest came in at around 22% as of May 2023, yet your credit card could easily be charging higher rates than the average. 

    To save as much money as possible, you should strive to pay as much as you can toward high-interest credit card bills each month. You can also pay down credit card debt faster with the help of a debt consolidation loan or a 0% APR balance transfer credit card.

    2. Other Unsecured Debts

    Other unsecured debts like personal loan debt should come next in the debt payoff pecking order. After all, unsecured debts tend to have higher interest rates than secured debts like auto loans. In fact, the Federal Reserve also reported that the average interest rate on a 24-month personal loan came in at 11.48% as of May 2023, compared to the average rate of 7.81% on a 60-month auto loan.

    Ideally, you’ll start paying more toward personal loan debt and other unsecured debts after all credit card debt is entirely paid off, although you should make at least the minimum payment on all your bills throughout the entire process.

    3. Next Up, Student Loans

    The next debt you’ll want to tackle is your student loans. I suggest focusing on these loans after other unsecured debts, since federal student loans (and many private student loans) come with low fixed interest rates and monthly payments that will not change over time. If you have federal student loans, you may even want to look into income-driven repayment plans

    If you’re hoping to pay down student loans faster or just want to save money on interest, you can also consider refinancing your student loans to get a shorter repayment timeline, a lower monthly payment, or both. Just remember that refinancing federal student loans can mean losing access to income-driven repayment plans and federal protections like deferment and forbearance.

    4. Remaining Debt

    Once you have paid off or substantially paid down all your other debts, you can focus your efforts on secured debts you have like mortgage loans and auto loans. These debts should be dealt with last since they are secured with collateral and tend to offer lower interest rates as a result. For example, you can consider paying more than the minimum on your mortgage, a car loan, or both until they’re paid off completely. 

    Then again, you may want to pay off debts with extremely low interest rates as slowly as possible to free up more cash flow for living expenses and investments. If you took out a mortgage in January of 2021 when the average interest rate on a 30-year, fixed rate home loan was as low as 2.65%, for example, it makes sense to make the minimum payment on that debt and invest your extra cash instead.

    Other Financial Considerations

    It’s important to make sure you balance debt repayment with other financial considerations. After all, focusing too much on debt repayment early in life can leave you behind when it comes to investing for retirement or saving up for a first home.

    While you’ll want to eliminate credit card debt and other high-interest debts as quickly as you can, even if you have to stop saving and investing for a while, you can pay down student loan debt and secured debts at a slower pace while saving and investing for the future along the way.

    Finally, make sure you have adequate emergency savings throughout your entire debt payoff journey, or that you begin saving for emergencies as soon as you can. Without a fully funded emergency fund, you can end up relying on credit cards and other loans to get by and ruin your debt payoff progress in the process.

    How much should you save? While most experts recommend having an emergency fund that can cover three to six months of expenses, it’s okay to start small if you have to.

    EXPERT TIP

    Try saving a few hundred dollars per month until you have a few thousand saved, then work toward saving up at least three months of expenses over time.

    Final Thoughts

    Having more than one type of debt is how it works for most people, especially when you’re young and in the early stages of your career. When it comes to paying it off, however, you’ll want to make sure you have a concrete plan that can help you reduce interest charges and get where you want to be. 

    Focusing on credit card debt and other unsecured debts first always makes sense, since these debts aren’t secured by an asset and tend to charge much higher interest rates. You can focus on student loans next, followed by other secured debts you have like a home loan or car loan.

    In the meantime, make sure you have an adequate emergency fund and invest in it for retirement. After all, debt won’t last forever if you’re serious about repayment, and saving and investing early can help you benefit from compound interest and avoid using credit cards for surprise expenses. Creating a budget to track these factors is your best bet.

    If you need help creating one, or simply don’t know where to start, use this budget worksheet as your guide – you’ll reach financial freedom in no time. 

  • How Much Should You Eat While Pregnant? Rethinking “Eating for Two”

    How Much Should You Eat While Pregnant? Rethinking “Eating for Two”


    If you are or ever have been pregnant, you’ve probably heard someone tell you that you’re “eating for two.” Often it’s thrown about like a free pass to doubling your food servings, having extra bites of everything, and indulging in more calorie-dense foods.

    Look, it’s usually well-meaning advice—while pregnant and breastfeeding, you are encouraged to take in additional calories to support the extra work of growing and feeding a tiny person—but it can create habits that leave you feeling more sluggish and disconnected from what your body actually needs.

    But … I don’t think anyone has ever encouraged me to “eat for two” when there was broccoli or chicken breast involved. It’s usually about a brownie or something else that had more calories than actual nutrients.

    Rethinking “Eating for Two” During Pregnancy

    You’ve probably heard things like:

    • “Go ahead, have that second piece—you’re eating for two!”

    • “Craving ice cream again? Baby must want it!”

    • “Pregnancy is the one time you don’t have to care!”

    But here’s where it gets tricky: When we stop tuning in to our body’s needs and start making food choices based only on convenience, cravings, or permission to have a free-for-all, it’s easy to wind up making us feel uncomfortable, depleted, or even frustrated.

    And while it’s completely normal to feel hungrier during pregnancy (and yes, treats are part of life!), your body doesn’t need double the food.

    What “Eating for Two” Actually Means

    According to current research, most pregnant women need:

    • No additional calories in the first trimester

    • About 300–350 extra calories/day in the second trimester

    • Roughly 450–500 extra calories/day in the third trimester

    That’s about the equivalent of a bowl of Greek yogurt with berries and a handful of nuts—not a second dinner. So no, you’re not eating for two adults. You’re eating for you—with a little extra care for the tiny human you’re growing.

    The Other Extreme: Restriction and Fear of Weight Gain

    Of course, not everyone feels free to eat more during pregnancy. For every woman embracing the extra snacks, there’s another quietly worrying about gaining “too much.”

    She may feel pressure to:

    This pressure is quiet but persistent. It can come from social media, family members, and even healthcare providers. And it can trigger fear:

    • Fear of never feeling like herself again

    • Fear that every pound is permanent

    • Fear that she’s “doing it wrong” if her body changes too much

    In response, some women over-monitor every bite, analyze every craving, and resist the natural changes of pregnancy. But the truth is…

    Pregnancy Is Not the Time to Shrink

    Pregnancy is not the time to shrink yourself. It’s the time to support yourself. Nutritionally, emotionally and energetically. 

    Trying to restrict food or calorie count your way through pregnancy isn’t just unnecessary—it can also leave you feeling undernourished, irritable, and exhausted. Worse, it may compromise your baby’s access to key nutrients.

    Weight gain is not the enemy. In fact, it’s essential. Your body is doing something incredible. It’s creating a placenta, increasing blood volume, growing breast tissue, producing amniotic fluid—and building a whole new human.

    The weight gain that comes with this? It’s not a failure. It’s a sign that your body is doing what it was made to do. And because every woman’s body responds differently, your weight gain may not look exactly like someone else’s. Guess what? That’s okay. 

    Nourish Yourself and Your Baby With Intention

    So what does “eating for two” really mean?

    • It means eating with intention, not pure indulgence.

    • It means tuning in, not checking out.

    • It means fueling, not restricting.

    Here’s What That May Look Like in Real Life:

    • Choose nutrient-dense foods that truly nourish: stews, leafy greens, colorful veggies, grass-fed meats, wild-caught salmon, fermented foods, bone broth, and healthy fats like avocado, ghee, and coconut oil.

    • Eat in a way that feels satisfying, energizing, and connected to your body—not rules or pressure.

    Your baby’s brain, bones, and immune system are being built from what you eat. Every bite is a building block—for both of you.


    A Note from the Ancestors: Traditional Wisdom on Pregnancy Nutrition

    In the 1930s, Dr. Weston A. Price studied cultures around the world and found that pregnant women were often given the most nutrient-dense foods available—like liver, fish eggs, and bone broth. These foods were rich in vitamins A, D, and K2, plus essential minerals and healthy fats. These cultures understood that strong, healthy babies start with a well-nourished mother—and made it a priority to support her deeply.


    Let Go of Guilt and Listen to Your Body

    Some days you’ll want more food. Other days you’ll feel tired, nauseous, or just not into your usual meals. That’s normal.

    Ask yourself:

    And give yourself permission to let go of the noise. There is no one perfect way to eat during pregnancy. You’re not failing for gaining weight. You’re not wrong for craving bread or needing extra rest.

    You are human. And you’re growing another human.


    Pregnancy Nutrition Goes Beyond Food

    Nourishing yourself isn’t just about what’s on your plate. It also means:

    • Getting rest that actually restores you

    • Moving your body in ways that feel good

    • Giving yourself time and space to process the big emotional shifts

    • Getting support when things feel overwhelming

    • And honoring your body without shame


    Final Thoughts: You’re Meant to Support Your Body, Not Control It

    If you’ve been bouncing between guilt over cravings and anxiety over pregnancy weight gain, pause. Breathe. And remember:

    “I’m not meant to eat perfectly. I’m meant to eat with care.”
    “I’m not meant to control my body. I’m meant to support it.”
    “I’m not meant to go back to who I was. I’m becoming someone new—and that’s beautiful.”

    Your body is doing something extraordinary—so how can you support it today with care, nourishment, and compassion? I’d love to hear what that looks like for you. — Marlene

  • 7 Most Reliable DSPs for Advertising Agencies in 2025

    7 Most Reliable DSPs for Advertising Agencies in 2025


    Programmatic buying is changing fast. 

    Media agencies are navigating fragmented identity, surging CTV consumption, and tighter client ROAS expectations while AI rewrites how bids, audiences, and placements are optimized in real time. 

    The challenge? Choosing a demand side platform (DSP) that stays reliable, scalable, and transparent as signals disappear and spend shifts across screens.

    This guide breaks down the most reliable DSPs for advertising agencies based on differentiators like AI bidding, addressable CTV reach, omnichannel automation, and emerging-market scale. Each section includes transparent pros, limitations, and FAQs, ideal for media teams comparing platforms for performance, transparency, and operational fit.

    Keep reading to learn how top-performing DSPs like StackAdapt, The Trade Desk, Quantcast, and Basis help ad agencies optimize ROAS, unify workflows, and prepare for a cookieless future.

    (more…)

  • Extreme longevity and health optimization: What it really takes

    Extreme longevity and health optimization: What it really takes


    “I want to know I’m doing absolutely everything I can to preserve my health for as long as possible.”

    We hear this kind of thing a lot.

    People tell us they not only want to stay in good shape as they age, they also want to outlive their peers and age expectancies.

    Imagine you could maximize your healthspan and lifespan, fend off disease, and generally remain fit, lean, and youthful into your 90’s, 100’s, and then some.

    Sounds pretty compelling, doesn’t it?

    There’s just one problem: Common longevity advice seems to involve an extraordinary amount of effort. And time. And money. And complexity.

    Is all the effort necessary? Is it worth it?

    And, will it even work?

    In this article, we’ll explore:

    And, we’ll help you weigh the pros and cons so you can make informed decisions about your health, your body, and your life.

    The myths—and realities—of “optimizing” your health

    Health and longevity advice is everywhere these days: podcasts, books, social media, that guy at the gym…

    Plus, influential “figureheads” have given the movement outsized attention. Think: popular podcasters and health experts Dr. Peter Attia, Dr. Andrew Huberman, and Dr. Rhonda Patrick, and biohacker Bryan Johnson.

    We understand the appeal of this kind of content. Who doesn’t want a longer, healthier life? (Not to mention the comforting sense of control that can come from designing and executing a “perfect” health plan.)

    But for us at PN, where we’ve collectively coached hundreds of thousands of people with real human lives, we know that “optimal” is rarely realistic.

    Not only that, optimal isn’t necessary.

    Making modest, relatively consistent efforts towards health and well-being will likely give you better results than following an intense, highly “optimized” protocol.

    If that sounds hard to believe, we get it. So let’s explore that bold statement, starting with the biggest myths surrounding longevity and health optimization.

    Myth: The “basics” aren’t enough.

    There’s an idea that getting and staying healthy must require a set of complex, “cutting edge” strategies—especially if your goal is to outlive the average American.

    In reality, the “basics” work really, really well. (These are things like exercising regularly; eating a nutrient-rich diet; getting adequate sleep; managing stress; and staying socially connected. We’ll discuss these more later.)

    Only, very few people do the basics consistently.

    The real reason more people aren’t living as long, or as well, as they could be isn’t because they’re not taking ice baths or getting vitamin C infusions…

    It’s because they’re not doing the (relatively) simple stuff, consistently.

    If you’re really, truly doing a well-rounded set of health-promoting behaviors with 80-90 percent consistency, you’re probably already close to peak optimization.

    Myth: More is better

    If a handful of basic behaviors get results, then doing them perfectly and as much as possible will help you get, and stay, even healthier—right?

    Not so fast. There’s a law of diminishing returns when it comes to health and fitness efforts.

    Graph shows that with small amounts of health effort, longevity can improve a lot, but as those efforts increase, longevity benefits plateau

    Plus, in our experience, doing too many things or adding in too much complexity to your health and fitness regime can:

    • Add risk factors that could actually make your health and fitness worse (such as chronic injuries or burnout due to overtraining, and/or nutrient deficiencies or disordered eating due to an over-preoccupation with “clean” or restrictive eating).
    • Make it harder for you to sustain good habits. People who take on too much are more likely to burn out. Research shows people who try to accomplish multiple goals are less committed and less likely to succeed than those focused on a single goal.1
    • Make your life less enjoyable, which in turn compromises health. Striving to maximize physical health can interfere with mental, emotional, and social well-being, which plays an essential role in healthspan and lifespan. (One study showed people with high levels of happiness and life satisfaction lived up to 10 years longer than people with low levels.2)

    And what’s the point of living longer if you’re not living a full, well-rounded, enjoyable life? While some effort is definitely important, past a certain point, more isn’t necessarily better.

    Myth: Cutting-edge strategies offer significant benefits.

    Let’s say you could put all those advanced, complex strategies into action without sacrificing consistency or life enjoyment, or compromising your overall well-being.

    They’d have to pay off, wouldn’t they?

    Not necessarily.

    Much of the research on longevity optimization (so far) is either in mice, is observational, is theoretical, or has been tested on very small numbers of people for very short periods of time.

    In fact, many of the fringe methods and supplements touted by influencers or biohackers are not only unproven but even potentially unsafe.3 4 5 6

    Point being: Put your efforts towards foundational health behaviors with proven track records (the kind we’ll cover in this article) before you invest in fringe efforts.

    Myth: It’s all or nothing.

    You might think, “Well, I’m not getting out of bed at 5 a.m. five times a week to go running for 60 to 90 minutes to optimize my VO₂ max, so I may as well just accept I’m not going to be a healthy person.”

    Some folks feel overwhelmed by the idea of optimizing their health, so they figure they might as well do nothing.

    However, our internal data shows that you can be far from “perfect” to get results.

    In our year long PN Coaching program, even clients who practiced their (basic) habits less than half of the time got measurable results.

    10-49% consistency gets results; ALT TEXT: Graph shows men and women with 10 to 49 percent consistency still lost 11 pounds, 8 to 11 inches in girths, and 2 to 3 inches from waist

    (Read more: Nearly 1 million data points show what it REALLY takes to lose fat, get healthy, and change your body)

    Don’t let optimization culture convince you great health is beyond your capabilities.

    Instead, we encourage you to…

    • Consider your options. Review the facts, and get a clear understanding of which behaviors are most likely to give you the best bang for your buck.
    • Get clear on the tradeoffs. Decide which things you are, and aren’t willing to commit to.
    • Make decisions that align with your goals. Including what kind of lifestyle you want, and how you want to spend your time and dollars.

    Keep reading and we’ll guide you through it.

    The benefits—and tradeoffs—of a healthy lifestyle

    Putting effort towards your health is great. But efforts come with tradeoffs.

    Here’s a look at both the efforts, and the tradeoffs, to achieve the health you want for yourself.

    Large image shows six categories of health levels: coasting, light effort, medium, high, very high, and extreme. The medium and high categories offer the best “return on investment” in terms of effort and sacrifice versus overall health benefits.

    A deeper look: The most effective health behaviors (and their optimal dose)

    If you want to reduce your risk of chronic disease, and generally stay healthier for longer, what should you do?

    As we said earlier, the issue isn’t that we need some highly detailed, cutting-edge protocol. The basics work. The issue is that most people don’t do them.

    For example, as shown in the image below, most people don’t get enough fruits and veggies, sleep, or exercise. And the number of people who do all these things on a regular basis (while also avoiding tobacco and minimizing alcohol) is extremely low: likely a fraction of a percent.

    Graph shows only 10 percent of people eat 5 servings of fruits and veggies daily; 15 percent sleep 7 to 9 hours a night’ 24 percent get recommended weekly aerobic and resistance exercise; 71 percent drink moderately or less; and 89 percent don’t smoke

    Finally, let’s take a closer look at what these basics are, and the “sweet spot” of effort versus reward.

    Foundational Health Behavior #1: Exercise regularly

    All health experts agree: Moving your body is important.

    Yes, exercise will help you stay lean, and improve mood, energy, and function, but it will also help you stay alive (and healthier) for longer.

    In fact, a study of Harvard alumni found that any amount of physical activity reduces the risk of death from any cause. Exercise extended lifespan regardless of body weight, blood pressure, smoking habits, or genetic predisposition.7

    Another study of 272,550 older adults found engaging in even low amounts of physical activity significantly decreased risk of death from cancer, cardiovascular disease, and all causes.8

    Specifically, steep risk declines happened when accumulating at least 7.5 MET-hours* of activity per week. The greatest increase in benefits came from achieving 7.5 to 15 MET hours. Increasing activity beyond that further decreases risk, but at a continually lower rate, as the graph below shows.

    Graph show that cancer mortality, cardiovascular mortality, and all-cause mortality all decrease as exercise increases, with the greatest increase in benefits from achieving 7.5 to 15 MET hours of exercise per week

    *MET-hours (Metabolic Equivalent Hours) measures the energy cost of activity, based on duration and intensity. Some examples: 2 hours of resting = ~2 MET-hours; 2 hours of moderate-intensity aerobic activity = ~8 MET-hours; 2 hours of moderate resistance training = ~7 MET-hours.

    Increasing the intensity of exercise is an efficient way to rack up MET-hours, but plain old walking counts too: In a study of 28,000 adults, every 1,000 daily step increase was associated with a 12 percent lower risk of death. (This association began at 2,500 steps and continued up to 17,000 steps.)9

    (Cool factoid: For folks concerned with dementia in particular, one study showed that getting just 3,826 steps per day was associated with a 25 percent reduced risk of dementia—and getting 9,826 steps per day was associated with a 50 percent lower risk!10)

    Ideally, cardiovascular activity is paired with resistance or weight-bearing exercise.

    Resistance training supports health and longevity in various ways: it can help preserve valuable muscle mass, maintain mental sharpness, improve odds of surviving cancer, support metabolic health, and generally help you stay alive.11

    Among older adults especially, falls are a leading cause of death.12 Resistance training can both prevent the risk of falls–because of improved balance and muscle stability13—as well as reduce the risk of serious injury–because of better bone density.14Image shows how resistance training and aerobic training benefit numerous areas of health, such as cognitive function, blood sugar regulation, mobility, and more.

    A sedentary lifestyle does the opposite, increasing risk of cardiovascular disease, diabetes, hypertension, cancer (breast, colon, colorectal, endometrial, and epithelial ovarian cancer), and all-cause mortality.15

    In fact, two decades of sedentary lifestyle is associated with twice the risk of premature death compared to being physically active.16

    ▶ How much exercise should you do?

    Standard exercise recommendations suggest:17

    • 150 minutes per week of moderate-intensity aerobic activity, or 75 minutes per week of vigorous aerobic activity (or some combination of both), plus
    • 2 sessions per week of resistance training, targeting most major muscle groups

    Getting up to 300 minutes per week of moderate-intensity or 150 minutes of vigorous-intensity aerobic activity (or some mix of both) as well as three resistance training sessions per week provides further benefits.

    ▶ Are people getting enough exercise?

    Most people are not.

    Only 24 percent meet the recommendations for both aerobic and resistance exercise. And fewer than 47 percent of American adults meet recommendations for aerobic physical activity.17

    ▶ Is getting more than the recommended amount better?

    For the most part yes, but past a certain point, more effort delivers less benefit—and potentially more risk.

    Overtraining (and/or under-recovering) can disrupt hormone levels, mess with sleep and mood, cause excess fatigue, chronically elevate your heart rate, cause injuries, and more.18 19 Extreme volumes of endurance exercise training may be detrimental for the heart, and increase risk of myocardial fibrosis, coronary artery calcification, and atrial fibrillation.20 21 22 23

    So, the benefits of exercise exist on a U-shaped curve. (This is known as the “Extreme Exercise Hypothesis,24 as seen in the image below.)

    Graph shows a u-shaped curve where health risks are highest when exercise is either very low or extremely high, with the least risks at moderate or high exercise.

    A “high” amount of exercise is good for you, but the “highest” amount possible probably isn’t. (Health benefits likely max out around 7-10 hours of cardio, and 3-4 resistance training sessions per week.)

    We like what one study concluded: “If the mantra ‘exercise is medicine’ is embraced, underdosing and overdosing are possible.”25

    Foundational Health Behavior #2: Eat a nourishing, nutrient-rich diet

    Eating well doesn’t have to be complicated. There are a few key elements to nail down, and the rest is up to your own personal preferences and needs.

    We suggest focusing on three nutrition fundamentals.

    Nutritional key #1: Eat more whole and minimally-processed foods

    Whole and minimally-processed foods are naturally nutrient rich—complete with fiber, healthy fats, vitamins, minerals, and phytochemicals—and far less calorie-dense than highly- or ultra-processed foods (UPFs). They also have less sugar, sodium, and trans fats—the latter which is directly linked to an increased risk of cardiovascular disease, breast cancer, complications during pregnancy, colon cancer, diabetes, obesity, and allergy.26 27 28

    These qualities contribute to their many health benefits; Diets rich in whole or minimally-processed foods are associated with lower rates of depression,29 30 31 heart disease,32 type 2 diabetes,33 cancer,34 and improved longevity.35

    The largest study on processed foods—which included almost 10 million participants—found UPFs are linked to 32 harmful effects, including type 2 diabetes, mental health disorders, obesity, cardiovascular disease, and all-cause mortality.36

    Another study found that a higher consumption of ultra-processed foods (four or more servings daily) was associated with a 62 percent increased risk of all-cause mortality. (For each additional serving of ultra-processed food, all-cause mortality increased by 18 percent.)37

    Not that you need to be plucking tomatoes straight off the vine.

    Eating a minimally processed food diet is more about overall dietary patterns—and moving along the continuum of improvement—rather than rigidly avoiding all forms of processing.

    Illustrated table shows various foods types and their whole, minimally processed, or ultra-processed options. All foods exist on this continuum between whole and ultra-processed.

    ▶ How many minimally-processed foods should you eat?

    There currently aren’t any formal guidelines for the amount of minimally-processed foods to eat. In our experience coaching over 100,000 clients, we find people are most satisfied, and get significant health improvements, when 70 to 80 percent of their diet comes from whole or minimally-processed foods.

    Any improvement counts though. If you’re currently eating very few whole and minimally processed foods, getting at least 50 percent of your diet from these foods would make a big difference to your health, energy, and longevity.

    ▶ Are people eating enough minimally-processed foods?

    No.

    Recent US data shows that Americans get about 28.5 percent of their calories from whole or minimally-processed foods, and 56 percent of their calories from highly- or ultra-processed foods.38

    ▶ Is getting more than the recommended amount better?

    Not beyond a certain point.

    If you want to, consuming up to 90 percent of calories from minimally-processed foods will truly maximize your benefits, but beyond that there are likely no further benefits.

    Besides, some processed foods enhance health rather than detract from it. Think about the protein powder that helps you meet your protein requirements, the commercial salad dressing that helps you eat your vegetables, or the weekly brownie à la mode you share with your grandkid that brings joy to both of your lives.

    (Read more: What you should know about minimally-processed foods vs. highly-processed foods)

    Nutritional key #2: Eat five fruits and vegetables

    You’ve heard it a million times. We’ll be the nag and say it again: Eat your fruits and veggies.

    A massive study involving over 1.8 million people showed that eating more fruits and vegetables was significantly associated with a decreased risk of death—with the benefits plateauing at five servings a day. People who ate five servings a day had a 13 percent lower risk of death from any cause compared to people who ate two servings per day.39

    Additionally, the consumption of fruits and vegetables very likely reduces the risk of hypertension, coronary heart disease, and stroke; probably reduces the risk of cancer; and possibly prevents weight gain.40

    ▶ How many fruits and vegetables should you eat?

    A healthy target is five fist-sized servings of fruits and vegetables daily. (Generally, we recommend dividing that into three servings of veggies and two servings of fruit.)

    For bonus points, try to eat a variety of colors.

    The pigments in fruits and veggies come from various healthful nutrients (called phytochemicals or phytonutrients). Different colors mean different phytochemicals, giving you a diverse array of these beneficial compounds, which are likely responsible for a majority of the health benefits of fruits and vegetables.

    (Read more: What the colors of fruits and vegetables mean)

    ▶ Are people eating enough fruits and vegetables?

    No.

    Americans only eat an average of 2.5 servings of produce (fruit and vegetables combined) per day.41

    Only 12.2 percent of people meet fruit intake recommendations, and less—9.3 percent—meet vegetable intake recommendations.

    A mere ten percent of Americans get a full five servings of fruits and vegetables combined per day.42

    ▶ Is getting more than the recommended amount better?

    There are likely diminishing returns to eating more than the above suggestions.

    In that massive study mentioned earlier that observed 1.8 million people, the life-extending benefits of fruits and veggies plateaued at five servings per day.39

    In other words, higher intake (beyond two servings of fruit and three servings of vegetables) was not associated with additional disease risk reduction.

    That said, there may be other benefits to eating more fruits and vegetables. For example, due to their fiber and water content, fruits and vegetables are filling yet low in calories, so they can support weight management—and they certainly aren’t going to harm your health.

    Nutritional key #3: Eat enough protein

    Protein is the most important macronutrient to get right, especially as we age.

    Plant protein in particular is linked to a reduced risk of cardiovascular disease and death from all causes.43 44 45

    In terms of animal proteins, the results are more mixed. (That said, research on protein intake and mortality is generally based on observational studies that don’t give us clear ideas about cause and effect.) Generally, minimally processed forms of fish, poultry, and low-fat dairy are the best animal protein sources.

    To minimize health risks such as diabetes, cardiovascular disease, and cancer, limit processed forms of red meat (like bacon, hot dogs, deli slices, and pepperoni sticks). Even unprocessed forms of red meat should likely be limited to about 18 oz (~4 to 5 palm-sized portions) or less per week.46 47 48

    Nonetheless, regardless of the source, getting sufficient protein—at least 1.2 g of protein per kg of body weight—significantly reduces the risk for sarcopenia (muscle loss), frailty, and neuromuscular decline.49 50

    Protein is also vital for maintaining and building muscle, keeping bones and soft tissues healthy, supporting immunity, and more. It’s also the most satiating macronutrient, and thus helpful for fat loss and/or body recompositioning.

    ▶ How much protein should you eat?

    The current USDA recommendation for protein intake is at least 0.8 grams of protein per kg of body weight (0.35 g/lb). However, newer research suggests this is likely the absolute minimum amount, and only for relatively young sedentary individuals.

    A better minimum intake for most is likely 1.2 g/kg (0.55 g/lb, or about 3 to 5 palm-sized portions of protein-rich foods), especially for older adults, as they’re at greater risk of muscle loss.

    Protein intake for muscle growth and retention, and/or if performing resistance training or other vigorous exercise would be 1.6 to 2.2 g/kg (0.75-1 g/lb), or about 4 to 8 palm-sized portions of protein-rich foods.

    ▶ Are people eating enough protein?

    That depends on how “enough” is defined.

    Most adults eat at least 0.8 g/kg. However, up to 10 percent of young women and up to 46 percent of older adults don’t hit this mark.51 And, as noted, that recommendation is probably conservative compared to the ideal intake.

    Protein is also especially critical for those on GLP-1 medications (Ozempic, Wegovy, Zepbound) to help prevent the muscle loss they can lead to. Aiming for at least 1.2 g/kg is vital for this population, especially if they are also older. (Getting closer to 1.6 g/kg is even better, if possible.)

    ▶ Is getting more than the recommended amount better?

    Once you get up to 1.2 g/kg, not necessarily. That amount is likely adequate for most, especially sedentary folks.

    If you’re trying to build muscle and strength or recover from vigorous exercise, or are taking GLP-1 medication for fat loss, striving towards 1.6 g/kg would help you achieve that goal more easily.

    If you’re trying to maximize strength and muscle gains, and/or are doing lots of strenuous exercise, consuming 1.6-2.2 g/kg is optimal (with the highest end of that range maxing out all benefits).

    What about supplements?

    Supplements make up a large part of the discussion around aging, but in reality only play a small role when it comes to increasing health and longevity.

    Using supplements (like a multivitamin, or doctor recommended vitamin D or iron) to prevent or correct deficiencies can be helpful for overall health well-being.

    Then, there are other supplements that have reasonably strong track records and can help us meet nutritional needs (protein powder), improve performance (creatine), or potentially even slow aging (fish oil might slow biological aging by a small amount).52

    However, the buzziest, trendiest supplements are often less proven.

    For example, curcumin, spirulina, and ginger are often listed as supplements that might help with inflammation, a hallmark of aging. However, the research here is still early, and far from definitive.

    There are also even less substantiated supplements that might modify other aspects of aging (resveratrol, NAD+, NAC), but the evidence is either very minimal or only in animal models.

    Some supplements (especially herbal supplements) can even cause harm, like liver damage.53

    If you want to give supplements a try, check for high-quality third-party seals of approval from organizations such as NSF.

    Examine.com—an online database that provides independent research summaries and analyses on most popular supplements—is also an excellent resource to help you determine which supplements might actually be effective.

    Regardless, talk to your healthcare provider before taking supplements, particularly if you take other medication.

    Foundational Health Behavior #3: Get adequate sleep

    Research shows that men who get enough quality sleep live almost five years longer than men who don’t, and women who get enough live two and a half years longer.54

    Studies also show sleep is just as important for your heart health as exercise, whole foods, weight management, cholesterol, blood pressure, and blood sugar control.55

    Compared to 7 hours of sleep per day, a 1 hour decrease in sleep duration has been associated with an 11 percent increased risk of cardiovascular disease and a 9 percent increased risk of type 2 diabetes.56

    Older adults who sleep less than 6 hours per night are at higher risk for dementia and cognitive decline than those who sleep 7 to 8 hours.57 (Deep sleep helps clear beta-amyloid plaques and wash out toxins from our brain, thought to be partially responsible for dementia.)

    ▶ How much sleep should you get?

    Sleep experts agree that 7 to 9 hours a night on average—with at least 7 hours of sleep most nights of the week—is ideal for most.

    However, the exact ideal hours may vary person to person.

    Generally, the right amount of sleep for you is the amount that allows you to feel relatively refreshed shortly after waking up, and allows you to fall asleep relatively easily at bedtime, with relatively sustained energy throughout the day.

    ▶ Are people getting enough sleep?

    About a third of US adults don’t meet the recommended amount of 7 to 9 hours of sleep per night.58

    ▶ Is getting more than the recommended amount better?

    Not necessarily.

    It seems that 7 to 9 hours of sleep a night is ideal in terms of health outcomes.56

    Interestingly, longer sleep duration (over 9 hours per night on average) is associated with an increased risk of cardiovascular disease, type 2 diabetes, and overall mortality.59 60 61

    However, it’s not clear that these risks are caused by sleeping more. Just as likely, it may be other health problems (such as depression, sleep apnea, or heavy alcohol consumption) that lead to both longer sleep times and higher health risks.

    (Read more: Transform your sleep—The scientific way to energize your body, sharpen your mind, and stop hitting snooze)

    Foundational Health Behavior #4: Manage stress

    When left unchecked for long periods of time (say, months or years without periods of recovery), stress can have negative effects on nearly every aspect of our health, as the below image shows.

    Image shows the variety of effects chronic, unmanaged stress can have on the body, from brain fog, frequent infection, poor recovery, weight gain, and more.

    Chronic stress—which tends to increase heart rate, blood pressure, and inflammation—increases the risk of cardiovascular disease.62 63 64 Additionally, long-term stress tends to worsen mental and emotional health, increasing the risk of anxiety and depression.65 It can also make people more likely to turn to substances like alcohol as an attempt to cope.66

    That said… Not all stress is bad.

    In fact, stress is a normal, natural, and even beneficial part of life; the right amount helps us feel motivated, purposeful, and engaged with life.

    So, rather than avoiding or demonizing stress, it’s helpful to work with it, using it as an opportunity to develop healthy coping mechanisms, appropriate recovery strategies, and overall resilience.

    And this doesn’t necessarily mean sitting on a cushion and meditating.

    Stress management can include simple mindset shifts: Practicing self-compassion,67 having a growth mindset,68 and framing stress as a normal and even beneficial part of life69 have all been associated with better coping under stress.

    Basic self-regulation skills also help. This involves noticing and naming what you’re feeling, having good control over your actions, and using a broad range of coping skills to help yourself process emotions and recover from stress. With these skills, you build self-awareness and the ability to handle challenges better, because you know how to calm yourself down after an activating event—regardless of how it went.

    The below image offers a spectrum of more—small and big—ways to regulate stress.

    Image shows a continuum of options for stress management, ranging from 1 to 10 on an effort scale.

    ▶ How much stress management should you engage in?

    Think of stress management and recovery as a thing you do in proportion to the stress and demands of your life.

    We often use the analogy of a jug: When stress drains your tank, stress management and recovery practices help fill it back up again.

    Image shows a faucet pouring water into a jug next to a list of recovery practices. These are things that fill your recovery jug. There is also a faucet draining water out of the jug next to a list of stressors. These are things that drain your jug. The goal is to fill your jug as much as you are draining it.
    And, as with all of the foundational health habits we’ve discussed, every little bit counts.

    Whether you’re experiencing a little or a lot of stress in your life, even three to five minutes of purposeful recovery—doing deep breathing exercises, some journaling or gentle stretching, or just stepping outside to get some fresh air and listen to the birds—can help fill your tank.

    ▶ Are people doing enough to manage stress?

    Probably not.

    In the US, over a quarter of people report that most days, they’re so stressed they can’t function.70 In Canada, it’s similar: Just under a quarter of people say that most days in their life are either “quite a bit” or “extremely” stressful.71

    Additionally, over a third of people say they don’t know where to start when it comes to managing their stress.72

    ▶ Is getting more than the recommended amount better?

    Not necessarily.

    The goal is to find your stress “sweet spot.” Because we all enjoy and tolerate different types and amounts of stress, how you feel is actually a pretty good indicator of whether stress is too low, too high, or “just right.”

    As the image below shows, if you generally feel bored and purposeless, stress is likely too low; if you feel energized and engaged, stress is probably close to your “sweet spot”; and if you feel panicky or so overwhelmed you’ve started to feel hopeless, stress is likely too high.

    Image shows a continuum of stress. When stress is too low, we feel bored or purposeless. When stress is just right, we feel energized and engaged. When stress is too high, we feel anxious or numb.

    While having a routine for stress management is a smart idea, there’s likely a point of diminishing returns here too. If you’re in that stress “sweet spot” (energized/engaged, not bored and not overwhelmed), then adding more stress reduction techniques might not help further—and may actually add stress by giving you yet another task to do.

    Foundational Health Behavior #5: Stay socially connected

    You might not think of social connection as a health imperative, but it is.

    Not only is the social and emotional support associated with improved well-being, it’s also associated with reduced risk of premature death.73 74 When relationships are strong, people have a 50 percent increased likelihood of survival during any given time.75

    In fact, one of the longest running studies—the Study of Adult Development out of Harvard Medical School, which has been tracking participants for over 87 years (and counting)—found that strong relationships were the biggest predictor of not only life satisfaction but longevity. (Relationships were more predictive of these outcomes than social class, wealth, IQ, or genetics.)76

    No surprise, not having a social circle comes with its own distinct risks.

    Social isolation and loneliness can increase a person’s risk for heart disease and stroke, type 2 diabetes, depression and anxiety, suicidality and self-harm, dementia, and earlier death.77 78

    A frequently cited statistic highlights its profound impact:

    The effect of social isolation on mortality is comparable to smoking up to 15 cigarettes per day79—surpassing even the risks associated with obesity and physical inactivity.80

    ▶ Are people getting enough social connection?

    It seems many of us could use more friends.

    About 1 in 3 adults report feeling lonely, and 1 in 4 report not having social and emotional support.77

    Eight percent of adults say they have no close friends, 53 percent say they have between one and four close friends, and 38 percent report having five or more friends.81

    ▶ How much social connection should you aim for?

    Generally speaking, research finds that people who have three to five close friends they regularly interact with (one to three times per week, in-person or via phone call) get the most social benefit.82 83 84 85

    On average, interaction with a smaller group of people tends to provide more benefit than a large network of acquaintances.86

    That said, individual needs vary. If you feel authentically connected to others, have a strong sense of belonging, and generally feel socially fulfilled, that’s what matters most.

    ▶ Is getting more than the recommended amount better?

    Likely not. Some evidence suggests that excessive social engagement (daily or multiple times daily) actually might increase mortality risk.87 That’s probably because over-socializing can increase mental, emotional, and physical fatigue,88 and often this level of socialization includes alcohol or other potentially risky behaviors.

    Additionally, it can take away time and energy that could be put towards other life-building and health-promoting behaviors (like work, exercise, or sleep).

    The takeaway? Strive for socializing that brings value to your life. No need to add so much that you wind up exhausted, or unable to keep up with other priorities.

    Foundational Health Behavior #6: Minimize known harms

    Minimizing activities we know to be harmful is a key part of looking after your long-term health, yet it can be easy to overlook these things. (Maybe because we’d rather keep doing them.)

    Two of the biggest culprits are smoking and drinking alcohol.

    Harm Avoidance Key #1: Don’t Smoke

    We all know smoking is bad for us. But smoking is still relatively common:

    • In the US, 10.9 percent of adults smoke cigarettes, and 6.6 percent smoke e-cigarettes.89
    • Globally, the trend is even higher: 22.3 percent of the world’s population use tobacco (36.7 percent of men and 7.8 percent of women).90

    The WHO estimates more than 8 million people die prematurely yearly from tobacco use (with an additional 56,000 people dying annually from chewing tobacco).91 This makes tobacco a leading (i.e. top 3) risk factor for premature death and all-cause mortality.92

    Smoking is also a risk factor for several chronic conditions, including coronary heart disease, stroke, emphysema, and cancer.93 (Globally, about a quarter of cancer deaths are attributed to smoking.90)

    Harm avoidance key #2: Limit alcohol

    At this point, the research is pretty clear: Alcohol has negative implications for your health, especially past a certain point of regular use.

    Two graphs show that risk of cardiovascular disease and cancer increase a lot with heavy drinking, and a little with moderate drinking

    Alcohol plays a causal role in 200+ diseases, particularly liver diseases, heart diseases, at least seven types of cancers, depression, anxiety, alcohol use disorders, and dementia.94 95

    In 2019, 2.6 million deaths worldwide were attributable to alcohol consumption.96 For people in the 15-49 age range, alcohol is the leading risk factor for death, with 3.8 percent of female deaths and 12.2 percent of male deaths attributable to alcohol use.97

    ▶ How much alcohol is “safe” to drink?

    US guidance on alcohol suggests keeping intake at moderate levels, or less.98

    A moderate intake means:

    • Two drinks or less per day for men (14 or less per week), with no more than 4 at a single sitting
    • One drink or less per day for women (7 or less per week), with no more than 3 at a single sitting

    Importantly, a drink is defined as containing 14 grams (about 0.6 fluid ounces) of pure ethanol, which equates to:

    • 12 ounces of regular beer (5% alcohol by volume)
    • 5 ounces of table wine (12% alcohol by volume)
    • 1.5 ounces of 80-proof distilled spirits (40% alcohol by volume)

    ▶ Are people limiting their alcohol enough?

    In the US, people tend to drink more than the recommended guidelines.

    In 2021, the National Institute on Alcohol Abuse and Alcoholism reported that the average American aged 21 or older consumed 2.51 gallons of pure alcohol over the course of a year—equivalent to about 10 standard drinks/week.99 However, research suggests surveys typically underestimate consumption by 40 to 50 percent.100 Further, other research shows that the heavier a person drinks, the more significantly they’re likely to underestimate and/or underreport their drinking.101

    All that to say, the average American is likely having more (or even far more) than 10 drinks per week.

    Add to that:

    • In 2016, 36.4 percent of Americans (age 15+) said they had at least one episode of binge drinking (6+ drinks in one session) in the last month102
    • About 7 percent of the world’s population aged 15+ years have an alcohol use disorder96
    • Alcohol-related deaths have been rising: in the last five years, alcohol-induced deaths have increased by 26 percent103

    ▶ Is more abstinence from alcohol better?

    In 2023, the WHO released a statement saying no amount of alcohol is “safe.”104 This interpretation is still debated, and data continues to emerge.

    Here’s our take: An abstinence-only policy is likely a failed policy for many. Rather, we want people to be informed so they can make intentional decisions.

    To be clear, alcohol is not beneficial for physical health; it’s a known human carcinogen. However, while alcohol does increase health risks, risk does not rise in a linear fashion with intake. Meaning, small doses are unlikely to have a significant impact on your health. But when you drink more heavily, the risks rise exponentially.105

    Drinking heavily can mean either:

    • Having more than 7 drinks in a week for a woman, or more than 14 drinks in a week for a man, or
    • Having 4 or more drinks in one sitting for a woman, or 5 or more drinks in one sitting for a man (binge drinking).

    (Reminder: A single drink refers to those definitions mentioned previously. Pints of beer, and heavily poured wine glasses and cocktails are more than single servings… Just because it fits in a single glass doesn’t mean it counts as “one” drink.)

    Ultimately, it’s about finding the level of risk you’re willing to tolerate relative to whatever benefits you feel alcohol provides you.

    Our general recommendations:

    • If you’re otherwise healthy and have no other alcohol-related risk factors, limit drinking to moderate levels or less
    • If you’re otherwise healthy but have one or two alcohol-related risk factors (such as breast cancer history), limit drinking to light levels (1 to 3 or 4 drinks per week) with occasional moderate intakes on special occasions, or less
    • If you have several alcohol-related risk factors (such as breast cancer history, family history of alcoholism, or contraindicated medications) abstain from alcohol entirely

    Foundational Health Behavior #7: Do Basic Preventive Health Measures

    In all the chatter about longevity optimization, it can be easy to forget about all the boring—but no less important—things that help you stay safe and healthy throughout your life.

    These include things like:

    • Getting regular check-ups, or seeing your doctor or healthcare provider if questions or concerns arise
    • Getting recommended bloodwork, screenings, and vaccines
    • Getting and keeping blood cholesterol, sugar, and pressure in recommended ranges as early as possible
    • Regularly seeing your dentist, and regularly brushing and flossing
    • Practicing safer sex
    • Seeing medical specialists as recommended or appropriate (OBGYN, optometrist, ENT, dermatologist, etc.)
    • Wearing seatbelts (Buckling up in the front seat reduces risk of fatal injury by 45 percent!106)
    • Wearing a helmet when cycling, skateboarding, or motorbiking
    • Regularly wearing sunscreen (Used appropriately, sunscreen decreases risk of skin cancers by 40 to 50 percent107 108)
    • Protecting your hearing (Untreated hearing loss increases risks for depression, social isolation,109 110 cognitive decline,111 dementia,112 113 and falls114 115)

    … And generally using common sense. (As in, avoid the “hold my beer” type stuff.)

    Basic health maintenance and risk avoidance practices matter—a lot.

    Notably, we can’t control every element of our environment. Some factors influencing our health are more structural and systemic, woven into the fabric of our societies.

    These are called social determinants of health, and include poverty, racism, homophobia, lack of accommodation for disabilities, and displacement (as in the case of refugees). For some folks, doing the above protective behaviors—like visiting the family doctor, getting glasses, going to the dentist, or even walking safely down the street—will be harder, sometimes near impossible.

    This isn’t meant to be a throwaway line that diminishes the difficult reality for so many people, but rather a gritty, realistic mantra: Do the best you can with what you’ve got.

    ▶ How much preventative health care do you need to do?

    Generally speaking, aim to be consistent with the habits you know you “should” do.

    You know the drill: Brush and floss daily; wear your helmet every time you ride a bike; wear your seatbelt every time you drive; put on sunscreen when you go out into the midday sun; don’t regularly blast your music at full volume; and so on.

    And if you have lingering things on your “I should really do that” list (like getting that weird mole checked out, or that bloodwork done), go do it.

    ▶ Are people practicing enough basic preventative health measures?

    We’ve offered a long-ish list of basic health practices that can protect health, so we won’t go into each in-depth.

    That said, when looking at the above list, it’s probably fair to say most people will notice a few behaviors they might practice more consistently.

    For example, while most of us are really consistent with our seat belts (usage is close to 92 percent!116), many of us could break out the floss more often (only 32 percent of Americans floss daily117).

    And, research shows that only about half of cyclists and motorcyclists wear helmets when riding118 119 120 (and use is even lower among skateboarders and rollerbladers121).

    Hearing loss is the number one modifiable risk factor for dementia,122 so make sure you also follow the “60/60 rule” if you like to pump up the tunes on your headphones: Listen at 60 percent of your device’s maximum volume for 60 minutes, then take a break. (And wear earplugs when you mow the lawn!)

    ▶ Are more preventative measures better?

    Once again, there’s likely a law of diminishing returns when it comes to preventative health measures, just like everything else.

    The point isn’t to become obsessed with eliminating all possible risks at every turn.

    Rather, it’s that reasonable efforts towards protecting your health do count, and they‘re immeasurably more important for overall health than the latest optimization fads.

    Bonus Foundational Health Behavior: Foster a sense of purpose and meaning

    Research consistently shows that having a strong sense of purpose and meaning for our life improves our health, overall well-being, and longevity too.123

    A sense of purpose seems to help people live longer, even when controlling for other markers of psychological well-being.

    There’s something uniquely beneficial about having a strong purpose that’s different from, say, being happy.

    Having a strong sense of purpose can mean many things, but it generally indicates that you have goals, and an aim in life.

    This purpose can be many things:

    • Helping others
    • Being connected to family and/or close friends
    • Being a key part of a community
    • Enjoying a hobby
    • Learning new skills

    Having purpose may help with longevity for a few reasons:

    It makes you more likely to engage in health-promoting behaviors, such as getting enough sleep and eating more fruits and vegetables.123

    It also tends to improve mental health. For example, one study showed that people with the strongest sense of purpose had a 43 percent reduced risk of depression.123

    Finally, it may simply help people live longer because it makes you want to live longer. When people have a sense of purpose, they often want to live longer, healthier lives, so they can fulfill that purpose to its fullest. And while wanting to live won’t make it so, it certainly doesn’t hurt.

    Still thinking about optimizing? Consider these additional tradeoffs

    We hope it’s clear by now: You can take yourself really far with some solid basics (that will themselves take some decent time and effort!).

    But, if you want to go even further, your effort might have to increase exponentially, just as those gains become less certain, and more marginal.

    Here’s what to keep in mind.

    First, it takes a lot of time (and money) to optimize.

    Let’s compare the time and financial investment of two imaginary people.

    The first person is what you might call a “healthy” or “medium effort” person. They’re someone who is pretty consistently meeting all of the above recommendations.

    The second person is what you might call an “optimizer.” They do all the above recommendations, but to the max, and many of the fringe recommendations often discussed on health-related podcasts and books.

    How much time and money might each of these people invest in their health efforts on a weekly basis? Here’s what that might look like.

    Table compares various activities and costs of a regular healthy person and an “optimizer”. Generally, it takes 3 to 4 times the time and cost to “optimize” exercise, nutrition, and self-care activities.

    On top of that, there are “optimizing” behaviors and assessments that might be performed less often—say, monthly, seasonally, annually, or even every few years. Of course, these practices will still require time and money, so even though they’re less frequent, they still have to be accounted for.

    Here are some examples of those kinds of products, therapies, and tests:

    • Dietary supplements (vitamin, mineral, and/or herbal supplements; “superfoods”; fish oil; probiotics, resveratrol, NAD+, NAC, curcumin, & more)
    • Bloodwork testing (for advanced lipid testing, inflammatory markers, hormone levels, and nutrient status)
    • IV therapy (for hydration, vitamins, glutathione, or NAD+)
    • Infrared sauna sessions
    • Plasma transfusions
    • Gene therapy
    • Stem cell therapy
    • Medical tourism and therapeutics retreats
    • Full-body MRIs
    • Genetic testing
    • Concierge medical services
    • And more…

    Though it’s hard to estimate the cost of these items, opting to do just a handful could easily cost an extra $10,000+ per year.

    Overall, we’d estimate it takes at least three to four times the time, effort, and money to follow an “optimizer” type lifestyle, compared to a plain old “healthy” lifestyle.

    As we’ve seen above, this 3-4x effort will likely translate to some extra benefits, but the medium-effort “healthy” lifestyle will likely get most people at least 80 percent of the results they’re after (such as improved lifespan, healthspan, and quality of life).

    Besides, optimizing too much can negatively impact your well-being and quality of life.

    The harder and more extreme someone’s fitness or health regime, the harder they typically fall off the wagon. So, taking on too much can actually put you more at risk of quitting the foundational health behaviors we mentioned earlier.

    Even if you stick with it, over-focusing on health and longevity will almost certainly interfere with your ability to enjoy a full, well-rounded, meaningful life.

    For example, if you get too focused on physical health, you may find other aspects of your deep health and overall wellbeing suffer, such as your relational, existential, mental, and emotional health.

    Image shows that there are six domains of deep health: social, physical, existential, emotional, mental, and environmental.

    Take this a step further, and “optimizing” can tip over into obsession. Sometimes, under the surface of “I just really care about my health” is disordered eating, orthorexia, or another mental health condition.

    Graph shows that with small amounts of health effort, life satisfaction and overall well-being can improve a lot, but as those efforts increase, well-being benefits plateau

    This, to us, is the heart of things: It’s important to not only stay relatively healthy, but also to enjoy your life while you’re living it.

    In fact, enjoying your life isn’t separate from good health. It’s part of it.

    What to do next

    1. Clarify your goals.

    Take a step back and consider what you really want most for yourself.

    What kind of life do you want to have?

    How important is it to maximize your healthspan and lifespan, and how does that line up with your other priorities?

    2. Consider the tradeoffs.

    Given what you want most for yourself, and the resources you have available, what’s realistic for you?

    How much time, money, and effort are you willing to put in to achieve health and lifespan goals?

    What are you prepared to give up? What aren’t you prepared to give up?

    3. When looking to make improvements, start with the basics first.

    Review the foundational health behaviors in this article. How many of them are you already doing? Consistently?

    If you’re covering most of the basics, you might not need to do more. (Give yourself a pat on the back. You’re already elite!)

    Or, maybe there’s some room for improvement and you’d like to step it up a bit. Great! For the vast majority of people, improving any of these behaviors will deliver real, tangible results. Start with these, before chasing faddish, fringe, “super-optimal” stuff.

    4. Tune out the noise.

    Those people you hear on podcasts or social media aren’t the experts on you and your life.

    You get to decide what you want, and how to go about getting it.

    Be honest with yourself, and make choices aligned with what matters most to you.

    There’s plenty of advice out there, but remember: It’s your life. You get to make decisions that work for you.

    References

    Click here to view the information sources referenced in this article.

    If you’re a coach, or you want to be…


    You can help people build sustainable nutrition and lifestyle habits that will significantly improve their physical and mental health—while you make a great living doing what you love. We’ll show you how.


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  • Francis Lim vows to deepen PH capital markets

    Francis Lim vows to deepen PH capital markets


    Francis Lim vows to deepen PH capital markets

    Francis Lim is a lawyer and former president of the Philippine Stock Exchange.

    MANILA, Philippines — Francis Lim, the newly appointed chair of the Securities and Exchange Commission (SEC), vowed to deepen the country’s capital markets and put an end to bureaucratic delays that have discouraged companies from registering or making their stock market debut.

    In prioritizing projects that intend to improve the Philippine capital markets, Lim emphasized that while the local bourse was among the oldest exchanges in the world, it still lagged behind its peers.

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    “I don’t really know why we’ve been lagging behind despite so-called structural changes,” he said during a press briefing.

    The former president of the Philippine Stock Exchange (PSE) officially began his term as head of the SEC on Tuesday, succeeding Emilio Aquino, who just ended his seven-year term.

    READ: SEC warns public vs operation of alleged scam hub in Cebu

    Among the key changes the lawyer will pursue during his term are “reasonable reductions” in the SEC’s fees, particularly for micro, small and medium enterprises (MSMEs).

    “Regulation must support, not suffocate,” Lim said, adding that some regulatory fees can be particularly expensive for MSMEs.

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    Currently, the SEC charges a minimum P2,000 fee for companies that file documents with the commission.

    Lim noted that the law of proportionality should apply, as the minimum amount may be too high a price for small businesses.

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    Lim’s priority list

    At the same time, the official said he would likewise prioritize the “simplification of processes and systems” to make it easier for companies to comply with requirements and “harder to delay.”

    Lim recognized that the agency had a backlog in terms of pending applications, saying that the SEC would address these “quickly and responsibly.”

    “We will work overtime, during the weekdays, weekends and even holidays to resolve all pending applications,” he added.

    As for encouraging more companies to list, Lim said they would specifically take a look at state-owned enterprises, such as Land Bank of the Philippines and Development Bank of the Philippines, and government-owned and -controlled corporations, to see which were “listable.” Lim noted that these were low-hanging fruits that can be easily tapped to grow the stock exchange.

    READ: Francis Lim ‘honored’ by SEC appointment

    Last year, the Organization for Economic Co-operation and Development (OECD) found in its Philippine Capital Market Review that long processes and loose enforcement of governance policies were preventing around 400 companies in the country from braving the stock market.

    The OECD pointed out that the Philippines was second to the last in Southeast Asia when it came to key governance indicators, including corporate and shareholder governance, protection of minority shareholders’ interests and regulatory quality.

    For his part, Lim wanted to form task groups led by the SEC, PSE and Philippine Dealing and Exchange Corp. that would identify challenges and which rules needed to be amended to improve the local capital markets.



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    “We will work to further simplify and streamline everything we ask from the public,” he said. “I know that some steps have been undertaken along this line, and we are committed to pursue them with more vigor.”



  • Triple-I Blog | When No One’s Home: Understanding Roleof Vacancy Insurance

    Triple-I Blog | When No One’s Home: Understanding Roleof Vacancy Insurance


    Triple-I Blog | When No One’s Home: Understanding Roleof Vacancy Insurance

    By Loretta L. Worters, Vice President, Media Relations, Triple-I

    Vacant homes often carry more risk than meets the eye. From burst pipes and property theft to liability and squatter intrusion, a home left unoccupied for an extended period is exposed to a unique set of hazards, many of which may not be covered by a standard homeowners’ insurance policy.

    Consider a recent case involving a homeowner who inherited a family property located several states away. With plans to sell the home, they left it unoccupied while it sat on the market through the winter months. After more than 60 days without a visit, the homeowner returned to find a devastating scene: a pipe had burst during a hard freeze, flooding much of the house.

    Without anyone home to detect the issue, water had leaked for days — possibly weeks —causing severe damage to ceilings, walls, flooring, heating and electrical systems. The estimated cost of repairs exceeded $60,000.

    Unfortunately, their standard homeowners insurance policy excluded coverage due to a vacancy clause, which had been triggered by the home’s unoccupied status.

    Understanding Vacancy Clauses

    Most homeowners insurance policies include a vacancy clause, which limits or excludes coverage if the property is unoccupied for typically 30 to 60 consecutive days. This is because vacant properties present heightened risks, including:

    • Undetected water leaks or burst pipes;
    • Increased likelihood of theft, vandalism, or trespassing;
    • Greater exposure to fire damage or electrical deficiencies; and
    • Liability if someone is injured on the property.

    If a home will be vacant for an extended period, whether due to a sale, relocation, inheritance, or renovation, it’s essential to inform your insurance carrier and review your coverage options.

    Water damage is one of the most common and expensive issues in unoccupied homes. Repairing damage from a burst pipe can cost $10,000 to $70,000 or more, depending on how long the issue goes unnoticed. In vacant homes, where regular checks are infrequent, leaks can continue for extended periods before detection, significantly increasing repair and remediation costs.

    Vacant properties also are more susceptible to theft and unauthorized occupancy. Copper piping, appliances, and even fixtures can be attractive to criminals. Squatters present another challenge: in some jurisdictions, they can gain tenant rights if not removed promptly, leading to legal costs and delays.

    Many standard policies exclude or limit coverage for theft and vandalism once a home is deemed vacant. This makes proper coverage even more important for homeowners who leave properties unoccupied, even temporarily.

    Homeowners may be surprised to learn that liability exposure continues even when no one lives there. Injuries on vacant property can lead to significant financial losses.

    Common examples include:

    • A delivery person slips on an icy walkway and seeks damages;
    • A contractor or realtor trips and is injured during a property showing; or
    • A child enters the home and is hurt while exploring.

    In such cases, the homeowner may be held liable, and, if the home is classified as vacant under the policy, liability coverage could be denied. Legal expenses and settlements can easily run into six figures.

    Vacancy endorsements are available

    To manage the elevated risks of a vacant property, insurers offer vacant home insurance policies or vacancy endorsements. These policies are designed to cover unoccupied properties and typically include:

    • Water damage from plumbing or heating failures;
    • Fire, lightning, windstorm, and hail damage;
    • Theft, vandalism, and damage caused by trespassers; and
    • Coverage for legal liability in the event of injury on the property.

    While these policies tend to be more expensive than standard homeowners insurance, they provide critical protection.

    Vacant home policies often still include protection for “sudden and accidental” events, such as a pipe bursting due to freezing temperatures. However, insurers typically require proof that reasonable steps were taken to maintain the property. Failing to heat the home during the winter, for example, could void coverage even under a vacant home policy.

    Whether a home is vacant for weeks or months, the following steps can help reduce your exposure:

    • Maintain indoor heat: Keep the thermostat at least 55°F during winter months.
    • Shut off the water supply: Or fully winterize the plumbing system.
    • Secure all entry points: Lock doors and windows; consider reinforced locks.
    • Install remote monitoring systems: Leak detectors, thermostats, and cameras can provide early warnings.
    • Schedule regular visits: Have a neighbor, family member, or property manager check the home weekly.
    • Maintain walkways and lighting: Reduce the risk of slip-and-fall injuries with proper upkeep.
    • Communicate with insurer: Always notify an insurer if the home will be unoccupied for an extended period.

    Leaving a home unoccupied for months without adjusting your insurance coverage can expose you to significant financial risk. From costly repairs and legal liability to denied claims, the consequences can be catastrophic.

    Before leaving a property vacant, whether due to sale, inheritance, or temporary relocation, homeowners should consult their insurance agent to identify the appropriate coverage. Obtaining a vacant home insurance policy or endorsement can protect both the property and the homeowner’s financial security.

    Learn More:

    How Your Roof Influences Your Home and Business Insurance (Triple-I Roofing Toolkit)

  • Summer Reading Programs for Kids 2025

    Summer Reading Programs for Kids 2025


    Our kids’ school sent out a list of summer reading programs that we’ll look to get our kids involved in. It’s great that so many books stores and organizations are getting in on the action that was once the domain of Pizza Hut and their Book It program!

    (and if you happen to live in Howard County, Maryland, the Howard County Library System has this summer program too)

    Table of Contents
    1. Barnes & Noble Summer Reading Journal (1st thru 6th)
    2. Pizza Hut BOOK IT! (Pre-K thu 6th)
    3. Books-A-Million (All Grades)
    4. Chuck E. Cheese (All Grades)
    5. Mensa Kids (All Ages)
    6. Scholastic (All Ages)
    7. Half Price Books (All Ages)

    Barnes & Noble Summer Reading Journal (1st thru 6th)

    This is for kids in Grades 1 through 6, but you can get a free book through this program.

    1. Read any eight books this summer and record them in this Summer Reading Journal.
      Tell us which part of the book is your favorite, and why.
    2. Bring your completed journal to a Barnes & Noble store between July 1 and August 31, 2025.
    3. Choose your free reading adventure from the books listed below.

    👉 Download the Summer Reading Journal

    Pizza Hut BOOK IT! (Pre-K thu 6th)

    This is for kids Pre-K through 6th grade and can be done through the BOOK IT! app. You use the app to set goals, track your progress, and then redeem rewards such as a personal pan pizza. Program ends in August.

    👉 Learn more about BOOK IT!

    Books-A-Million (All Grades)

    Read any four books from the summer reading adventure feature in-store or online and then write about the books you’ve read in your summer reading adventure logbook. Then bring it to the store and get a Dog Man drawstring backpack, while supplies last.

    👉 Download the Adventure Logbook

    Chuck E. Cheese (All Grades)

    Read every day for two weeks and get 10 free play points, which can be used to play games, win tickets, or redeemed for prizes. Program expires 12/31/025.

    👉 Download Reading Rewards Calendar

    Mensa Kids (All Ages)

    If you are a strong reader, join the Mensa Reading Program and read an entire list of books to earn a t-shirt and a certificate. It’s for the entire year, not just the summer, and there are multiple lists based on the age of your reader starting with Kindergarten and going through Grade 12.

    Scholastic (All Ages)

    Visit the summer zone in Scholastic Home Base, download the Home Base app (or use the webapp), and complete reading streaks to win virtual prizes, free books, and learn about author meetups. This program runs through September 12th.

    Half Price Books (All Ages)

    Complete a reading log and get a $5 in Bookworm Bucks that you can use at Half Price Books.

  • Am I A Real Runner? Why Every Pace Has A Place

    Am I A Real Runner? Why Every Pace Has A Place


    It’s a question I ask myself all the time – am I a real runner? Because in a world of Strava statistics and running influencers (let’s call them ‘runfluencers’) it’s almost impossible not to compare yourself. And that leaves you feeling like you’re nowhere near hitting the criteria of what it is to be a runner.

    I’ve been running for 9 years now. And in that time I’ve gone from being a complete running novice to doing 5k’s, 10k’s, half marathons, and last year saw me complete a multi-day ultra marathon event. I now regularly run 3 times a week and am a qualified run leader for my local running group.

    And yet despite all of that, all those achievements, I still regularly ask myself am I a real runner!

    I know I’m not alone in feeling like this. It’s a question that many people, often women, get hung up on and that’s why I want to look into the mindset of running in a little more detail. On top of that, I’m going to share how I squash those negative thought patterns and the things I do to feel more like a runner.

    What It Means To Be A Runner

    Right, let’s break this down, make it super clear. If you run, you’re a runner. Right? In the most basic of terms that is what defines a runner – someone who runs.

    The problem is it’s not that simple.

    We’re very quick to compare ourselves to others and set parameters around what we think a runner should be. It could be running a certain distance, a particular speed, or perhaps even based on expectations of how a ‘real’ runner should look.

    And if we don’t fit within the stereotypical image of a runner being lithe, light framed, and gazelle-like that we see on social media, well it’s no surprise we’re questioning am I a real runner!?!

    I do not fit into this stereotype. I’m not fast, my body shape doesn’t look like it should run, I have a very strange running gait, and I still have to force myself out on a run. And yet, here I am. A runner. Someone who runs.

    Here are some of the things I do to stop the negative chatter and that has kept me consistently running over the past 9 years:

    Dress The Part

    Even when you feel like an absolute imposter, if you dress like a runner, you’ll feel like a runner. And for me, it’s the lycra leggings and a women’s hoodie with a slogan that creates that mindset shift.

    In my role as an adidas blogger, I get the chance to choose whatever I like from their website and then write about it. Not a bad gig, eh? And when I was putting together my latest adidas haul I found something that immediately caught my eye.

    This gender neutral runners hoodie is everything I ever want from a hoodie. It’s comfy, it’s cosy, and most important of all… it’s got a zip up pocket (not gonna lie, if you get excited about pockets with zips, you are 100% a runner!). But the thing that grabbed my attention, was the slogan printed on the back – ‘Every Pace Has A Place’.

    And that right there sums it up perfectly. It doesn’t matter how slow you are, whether you need to stop every now and again and walk for a bit, or even whether you’re super speedy. Each and every one of you who are out there pounding the pavements in your road shoes or hitting the trails in your waterproof trainers, you’re all runners. And don’t let anyone (including yourself!) tell you anything different.

    If I’m feeling ‘meh’ about my runs, putting on something that makes me feel good, like this hoodie for instance, is sometimes all I need to get that spring back in my step and get me heading out the door. And that’s what it’s all about really. Small actions to make you feel good about yourself.

    Change The Narrative

    If you’re questioning am I a real runner, it likely means you’re in need of a mindset shift. And it’s up to you to change the narrative if you want to create a healthy relationship with running.

    Whilst there’s no doubt we’re influenced by what we see online, a lot of what we tell ourselves can run much deeper than that. A really useful phrase that I like to repeat to myself when I get in this negative headspace is ‘my thoughts are not facts’. This helps to ground me and rationalise the thoughts that can creep in uninvited.

    Here are some other changes you can make to help you reframe your thoughts:

    • Change – ‘I finished in last place’
    • To – ‘I finished strong’
    • Change – ‘People might laugh at me’
    • To – ‘People are in awe of me’
    • Change – ‘If I need to stop and walk, I must be doing it wrong.”
    • To – ‘I am listening to my body and doing what it needs’
    • Change – ‘I’m too slow’
    • To – ‘Every pace has a place’

    It’s all about having that positive mental attitude. Believing in yourself. Getting out there and doing it. And knowing that whatever you do, that’s always going to be enough.

    Stop Comparing

    I often find myself caught up in a comparison spiral. Where I not only compare myself to what others are doing, but also look back to the achievements of ‘past’ me. I know it’s not healthy and yet still I can’t seem to stop myself. When this happens I know there’s only one thing for it. I stop recording my runs and come off all tracking apps. This means I’m no longer able to compare myself against what pace and distance others are doing because I can’t see their runs. But more importantly, it means I also can’t look back and compare myself against my own runs.

    Because the thing is every run is unique. How you feel and run one day is never going to be the same as when you do it another day. And it’s certainly never going to be the same as someone else running that run. We need to move away from statistics, stop obsessing over the numbers and instead celebrate each and every run we do.

    There are so many factors that can effect how we run – not enough sleep, not eaten as well, not drunk enough water, time of the month, it’s raining, it’s too hot – the list is endless. What matters more than anything else is that you get out and you enjoy yourself. Sure, you might not necessarily enjoy it the whole way round (hills are never going to be easy) but if you finish that run with a smile on your face and feeling like you can take on the world, that’s a win.

    Ditch The Guilt

    If you don’t feel like running one day, it’s simple… don’t go. There’s no set rule about when and how often you should run. Not unless you’re training for something and then you should deffo stick to the training plan! But otherwise you should 100% be listening to what your body is telling you.

    Tune into how you feel physically, mentally, and emotionally when you run. These are the best markers of your progress, not the stats. I treat running as a chance to create some headspace. A time to reconnect with myself, to process thoughts and deal with any stuck or tricky emotions. Sometimes I cry on a run, sometimes I come up with my most creative ideas, sometimes I’m in full on angry mode (those are often my fastest ones!). But no matter what’s going on I always finish my run feeling better and my head clearer.

    Rest days are just as important as run days and should always be factored in to training plans. Taking a rest doesn’t mean you’ve failed, if anything it marks you out as stronger. And likewise if you need to walk during your run, that’s fine. Most ultra runners, walk the hills and run the flats, so you’re in very good company if you need to walk every now and again. All movement counts.

    Final Thoughts

    Moral of the story, if you run, you’re a runner. No one gets to set the rules about what makes a ‘real’ runner. As the adidas hoodie states – ‘every pace has a place’ and you are just as deserving of having the title of runner as someone who can run a sub30 5K!

    So, if you ever find yourself asking am I a real runner, I want you to reread this blog post and remind yourself that you don’t need to compare yourself to others, you just need to believe in yourself a bit more, put those trainers on, and get out there and run.

    *in collaboration with adidas

    Do you ever wonder if you’re a real runner? What helps you stay motivated?


    Author Bio

    Becky Stafferton is a full time content creator, web publisher, and blog coach. She continually strives to promote a realistic, sustainable and positive image of how to lead a healthy life. When she’s not writing or reading her teenage diary she can be found running through muddy puddles, hiking through forest, making lists of lists, having a good old moan, renovating her brand new house in the country, and squatting like her life depends on it. She is also the owner of BlogWell, a blog coaching company that teaches small business owners how to use blogging to market their businesses.



  • I Put Grok vs ChatGPT Head to Head and One Stood Out

    I Put Grok vs ChatGPT Head to Head and One Stood Out


    I didn’t think I needed yet another AI chatbot until Grok popped up on my Twitter, ahem, X feed, with Elon Musk’s name stamped all over it. A chatbot with a sense of humor? That’s how it was being pitched, and I’ll admit, I was skeptical, but intrigued. 
    I’ve relied on ChatGPT for everything from outlining articles to naming projects, so I wasn’t sure Grok had anything new to offer. But curiosity won.

    (more…)