Thoughtful Thursday posts, Uncategorized

Thoughtful Thursday – February 15, 2024

Before Breakfast – Ask for the slideshow
Chasing Life – The Big Business Behind Weight Loss Drugs
The Jordan Harbinger Show – Kashmir Hill – Is Privacy Dead in the Age of Facial Recognition?
The Future of You – The Discussion: ‘Your Face Belongs to Us’ with Kashmir Hill

https://passionplanner.com/blogs/content/self-love-affirmations

Thoughtful Thursday posts, Uncategorized

Thoughtful Thursday- April 13, 2023

My intention is to post a Thoughtful Thursday column each week and share some of the insights I have learned in the past week. Here are some of the things I’ve learned this week:

Science Vs. – Weight Loss Meds: Is Ozempic a Miracle Drug?
Food, We Need to Talk- Ozempic- The “Magical” Weight Loss Drug

**I have not used Ozempic and am not authorized to make medical recommendations. I am simply reporting what I have learned.** Ozempic has been a popular topic in the news and social media lately, and I wanted to learn more about it. I have the following notes from the two podcasts:

  • Ozempic is a diabetes drug that also causes weight loss. Many people are using it strictly as a weight loss drug, resulting in a shortage due to an “unexpected increase in consumer demand.”
  • Ozempic has the lowest side effect profile and actually works. Side effects include nausea (after 5 months, 25% of people reported nausea) and GI issues. People have generally concluded that the side effects are worth it.
  • Wegovy was a popular weight loss drug, but during the pandemic, Wegovy faced supply chain issues for nearly one year, making Ozempic a popular alternative. Ozempic continues to be the most popular.
  • Many insurers won’t cover Ozempic unless diabetes has been diagnosed, but many people are willing to front the $1,200/month cost of Ozempic, especially celebrities.

The active ingredient in Ozempic is semaglutide, which works by inducing satietyOzempic reduces a consumer’s level of hunger and eliminates food cravings, resulting in people eating 1/4 to 1/3 less when taking Ozempic.

People who take this med will likely need to take this long-term. They gain most of their weight back when they stop taking the medication. Also, long-term effects have not been studied yet.

People are using Ozempic as a weight loss drug with great results. Some have lost 15-21% of their body weight!

It is important to continue exercising and having healthy habits even while taking a weight loss drug, and it is also emphasized that once people stop using Ozempic, they generally gain the weight back because their hunger levels and food cravings return to their normal levels pre-Ozempic.

The Daily Stoic- Don’t Make Assumptions

You don’t get a joke, so you say it’s not funny. You love your job, so you have no patience for people who complain about theirs. You’ve been successful, so you can’t understand why others struggle. Things that are different from your preferences are “weird.”

Our personal experiences make up a tiny percentage of the world, but a huge percentage of how we perceive the world.

A stoic tries not to jump to hasty judgments and puts their impressions up to the test. A stoic makes space for there to be other means of being, even the ways we don’t understand.

The Clever Girls Know Podcast- 9 Money Leaks Affecting Your Finances and How to Fix Them
  • Paying delivery fees. Before paying for shipping or delivery, Google search for free shipping or delivery codes!
  • Disposable products (water bottles, cutlery, paper towels). Use a reusable water bottle, pack your own utensils for your work lunches, and use rags or towels instead of paper towels.
  • Food waste. Buy only what you’re going to eat and cook. Meal prep. Freeze leftovers. Do an assessment of your food before shopping.
  • Bank fees (overdraft fees, ATM fees, account fees). Look for banks with overdraft protection, no account fees, and a wide network of free ATMs.
  • Subscriptions for products and services. Make sure you aren’t bulking up if not needed. Make sure you are using streaming services and other subscriptions. Cancel them if you aren’t.
  • Name brand products instead of generic. Often the generic products contain the same ingredients and taste the same.
  • Coffee and snack shops. Learn to make your own coffee or tea and buy the coffee beans or loose leaf tea your favorite shop uses. Keep snacks on hand.
  • Gym memberships- Are you getting your money’s worth? Cancel if you rarely go.
  • Unused insurance policies (vehicles). Do you still drive, or do you take public transportation? If you rarely drive, let your insurance know to see if you can get discounts on your premiums. If you never drive or rarely drive, you could consider selling your vehicle and taking public transportation or Uber/Lyft rides if that would be cheaper than paying for insurance and vehicle maintenance.
Self Care IRL- The best habits you should still hold onto post-pandemic
  • Learning and chasing new hobbies. Many people picked up a quarantine hobby.
  • Focus on supporting others (small businesses, healthcare workers, acts of kindness)
  • Embrace simplicity. You don’t always have to be doing something.
  • Make your home feel like home. You deserve to feel cozy and happy.
  • Taking care of yourself. Carve out space for you to be alone with your thoughts and feelings. You should be your #1 priority. Therapy, journaling, meditation, etc.
  • Spending more time in nature. Don’t make it so that you miss the calmness you were chasing during the pandemic. Go outside! Listen to the birds chirp. Go on a walk.
  • Not feeling guilty for spending a night in. Don’t feel pressured to go out. You can’t miss out on the time you spend with yourself.
  • Checking in on your loved ones. Random phone calls and video chats during the pandemic were at an all-time high. Remember when people called you just because?
  • Not going out or going to work if you feel sick. Listen to your body.

I have been reading “The Simple Path to Wealth” as part of a book club. This book emphasizes investing in VTSAX, Vanguard’s Total Stock Market Index Fund. I also read a blog post highlighting VTSAX for people who want to retire early:

https://www.ourrichjourney.com/post/5-reasons-why-vanguards-vtsax-index-fund-is-our-top-fire-investment

Some of the things I’ve learned:

  • The expense ratio is 0.04%, which is over 70% lower than the industry average!
  • VTSAX also beats around 80% of actively managed mutual funds, and you save money by not having to pay for an active manager.
  • VTSAX invests in the total stock market. Owning VTSAX allows an investor to own almost all of the companies trading in the U.S. stock market.
  • VTSAX constantly self-cleanses. There are inevitably companies that fail and companies that succeed. As soon as a company fails, it will drop off the stock market and won’t be tracked by VTSAX, so VTSAX will *never* go to zero.
  • VTSAX is easy, straightforward, and requires very little effort to understand.

I finished reading “Top 5 Regrets of the Dying” written by Bronnie Ware. I was surprised to learn the top 5 regrets of the dying, and I was inspired to not have these same regrets:

  • 1. I wish I’d had the courage to live a life true to myself, not the life others expected of me.
  • 2. I wish I hadn’t worked so hard.
  • 3. I wish I’d had the courage to express my feelings.
  • 4. I wish I had stayed in touch with my friends.
  • 5. I wish that I had let myself be happier.

I look forward to reading, learning, and sharing more with you soon!