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Thoughtful Thursday – April 18, 2024

The 5 AM Miracle – 12 Productivity Tips You Need to Know
The Lazy Genius Podcast – 7 Routines That Work for Me
Life Kit – Negotiation tactics for everyday life
Chasing Life – Do These Quick Weight Loss Hacks Work?
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!

Thoughtful Thursday posts, Uncategorized

Thoughtful Thursday- March 16, 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:

One book I read this past week was “Taking Down Backpage: Fighting the World’s Largest Sex Trafficker” written by Maggy Krell, a legal trailblazer who has taken on high-profile criminal and civil cases. One of the most important things I learned from this book is that The Communications Decency Act shields internet providers from facing suit over the content by those posted on their sites, but does not provide immunity if a provider engages in their own criminal acts. Despite its reputation, sadly Backpage could not be charged for pimping, but bank fraud and money laundering charges held, $200 million in assets were seized, and BackPage was shut down. Visitors to the page have been greeted by this message:

How to Be a Better Human- Why Kim Scott thinks you need to ask for feedback

One thought-provoking podcast I listened to this week was about soliciting feedback. Nearly all of us have experienced times when someone went off on us for something we had been doing for a while that people didn’t like but didn’t correct until they couldn’t take it anymore. We think “why didn’t you tell me?” One of the solutions to this is to solicit feedback regularly. There are four steps:

  • Think about the words you’re going to use to ask for feedback, and make sure the question can’t be answered with a “yes” or “no.” Don’t ask “Do you have any feedback for me?” Consider asking “What could I do or stop doing that would make it easier to work with me?” Some of my other favorites include “What could I do to be more successful in this role?” “What concerns do you have at the moment?”
  • Embrace the discomfort. No matter how good your question is, the other person may feel uncomfortable for a moment.
  • Listen with the intent to understand, not to respond. Ask follow up questions.
  • Reward the candor. Use the recommendations given. Continue asking for feedback after corrections have been made. Be open to changes.
Optimal Relationships Daily- How to Spend Money Wisely
  1. Make a list of what you value. The best way to spend money wisely is to align your spending with your values. Ask yourself: “Am I spending my money on things I value?”
  2. Make a list of things you really enjoy. Avoid spending too much money on things that aren’t at the top of your “joy” list.
  3. Make a list of places, things, or people that cause you to make poor spending choices. If you can identify these weak points, then you can begin to live your life in a way that helps to avoid some of these spending hot spots.
  4. Review your regular spending for things to eliminate. List your required spending for the month, such as rent or mortgage, insurance, debt payments, utilities, services, etc. Is there anything on that list that you don’t need or want?
  5. Review your regular spending to identify things to reduce. Can you call the providers to ask for a better rate?
  6. Create a budget.
  7. Start writing down each purchase you make.
  8. Switch to only cash if you have a problem with credit card spending.
  9. Implement a “sleep on it” rule. For any purchase over X amount, wait one night/a week/thirty days, etc. to evaluate the potential purchase against your values and your budget.
  10. Put future spending on a calendar. It allows you to prepare by saving for the spending requirement and allows you time to shop around for the best price.

When I graduated from college, I was determined to work hard, live frugally, and pay off my student loans early. In addition to working three low-paying jobs, I kept a categorized and color-coded Excel spreadsheet of all of my income and spending. I then evaluated my spending each month and worked on cutting back some expenses. It worked well for me! This month, I started tracking my spending again and am making an additional category: recurring, variable, and impulse purchases. I look forward to evaluating each month to get a better idea of my expenses and values.

The School of Greatness- 3 Daily Habits to Improve Your Life w/ James Clear

James Clear is the author of “Atomic Habits,” which has sold over 5 million copies. He recommends 3 daily habits to improve your life:

  1. Learn something new by reading or listening to podcasts.
  2. Physical activity
  3. Reflection and review of your day

The more your habits align with an expectation of a group or tribe, the easier they are to stick to. Join groups where your desired behavior is the normal behavior. One example listed was drinking habits. If you want to stay sober, make sure you spend time with people who are sober and don’t pressure you to drink.

The way you spend your days is the way you spend your life. The bad days are more important than the good days. They test you and your values, and you need to find a way to show up.

Food, We Need To Talk- Cardio, Lifting…or BOTH?

People who diet or want to lose weight tend to decrease calories and increase movement/cardio.

To lose weight, you need to burn more calories than you eat. Cardio is an easy way to burn calories, but you need to increase muscle mass to increase your metabolism. You need to do a mix of strength training and cardio. Cardio alone is one of the worst weight loss tools.

Over half of our daily metabolism comes from our basal metabolic rate. One of the biggest determinants of BMR is muscle mass. Muscle requires more calories to maintain. As you lose weight, your BMR is going down. Try to counteract that by building new muscle tissue by lifting weights.

Don’t just look at the # on the scale. Muscle mass can cause you to be in the overweight/obese category weight-wise. Focus on increasing your muscle mass. The most ideal place for new weight loss clients is for the scale not to move at all (signaling you’re gaining muscle and losing fat and building your metabolism). Maintaining muscle is easier than building it. You only need to do 1/7 of the work to maintain it.

If you do the same thing every day or week, your body will get used to it. You need to switch things up and add more weight to your exercises.

Cardio is useful in overall health and preventing diseases, but if you have to do cardio and lifting on the same days, whatever you do first is what you’re going to get best at. Prioritize according to your goals. If your goal is to change your body composition, lift weights first.

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