This document provides an overview of a webinar on health and personal finances. The webinar objectives are described, including describing how health and finances are related, research linking the two, and the Personal Health and Finance Quiz. The Small Steps to Health and Wealth program framework is also described. Research findings are presented showing relationships between personality traits, health habits, and financial behaviors. The Personal Health and Finance Quiz is explained as a tool to assess behaviors.
Knowledge to action: changing the dynamic between patients and providers - en...Paul Gallant
This presentation provides tips, examples and extensive resources on taking action for better patient and health provider engagement. As part of my invited keynote presentation for Choosing Wisely Alberta/Alberta Medical Association. I hope you find the presentation deck useful. Brief video clips & words of wisdom from my friend and colleague, Annette McKinnon are included in the presentation to accompany the slides.
Men with Eating Disorders: Deepening Our Understanding to Improve CaringPaul Gallant
This invited presentation was part of the 2020 6th Annual Interior Region Eating Disorder (Virtual) Forum, September 2020. The presentation addresses recent research, community and clinical experiences of men with eating disorders to deepen our understanding to improve caring. Stories, stats, questions, video clips and polls were included to seek input from those participating.
For example: Do males comprise 33-40% of those we are caring for? If NO, WHY NOT?
You may find use for some of these in future presentations or team discussions.
Tips to Improve Caring include:
*Team based interest/working groups to plan better for
males; include cross site/jurisdiction knowledge
exchange/peer support for clinicians/mentorship
*Include male former patients/MWED in planning/advising
*Include males in research AND disseminate this research to honor their contribution
rather than “the number of males were insufficient to report on”
*Include retrospective reviews on past males for quality improvement
*Review non-published findings on males in your own research
*Demonstrate that you’re informed/comfortable working with MWED
*Know the literature/resources & limits of both for males with eating disorders
*Use your creativity & planning to consider all-male therapeutic groups including online therapeutic or support groups?
*Schedule male appointments back to back/same time. Males see they are not the only male in treatment/care
*Seize the moment to engage the person who is seeking support (hope, optimism and repeat check-in)
A take away team or self-reflection exercise asks:
What are we doing in our own practice or setting to__
-Demonstrate a “male friendly” welcoming environment for
boys/men with Eating Disorders?
-Better understand… boys/men with Eating Disorders?
-Better support/treat/demonstrate caring … boys/men with
Eating Disorders?
Health innovation for all conference sustaining and transforming our health s...Paul Gallant
IHI Open School UBC Chapter, Health Innovation for All Conference. Sustaining and Transforming Our Health System(s)
Presentation by: Paul W. Gallant, Gallant HealthWorks
Session Summary:
This interactive workshop encourages participants to contribute their knowledge, views and experiences as health system(s) stakeholders to discuss questions based on the concepts and trends presented.
Better Healthcare Through Community and Stakeholder Engagement, 2015 Webinar ...Paul Gallant
"An enjoyable presentation, well-delivered with excellent insight into community and stakeholder engagement strategies. Terry Dyni - July 23, 2015" on the webinar version. This version is my complete slide deck from a live webinar presentation requested by the Conference Board of Canada. April, 2015. Thanks for your interest in Better Healthcare Through Community and Stakeholder Engagement.
Compliments of Paul W. Gallant, CHE, GALLANT HEALTHWORKS & Associates (GHWA), Vancouver, BC, Canada. PS See the last slide for contact details or to arrange customized training/facilitation or advice on your organizational needs.
Knowledge to action: changing the dynamic between patients and providers - en...Paul Gallant
This presentation provides tips, examples and extensive resources on taking action for better patient and health provider engagement. As part of my invited keynote presentation for Choosing Wisely Alberta/Alberta Medical Association. I hope you find the presentation deck useful. Brief video clips & words of wisdom from my friend and colleague, Annette McKinnon are included in the presentation to accompany the slides.
Men with Eating Disorders: Deepening Our Understanding to Improve CaringPaul Gallant
This invited presentation was part of the 2020 6th Annual Interior Region Eating Disorder (Virtual) Forum, September 2020. The presentation addresses recent research, community and clinical experiences of men with eating disorders to deepen our understanding to improve caring. Stories, stats, questions, video clips and polls were included to seek input from those participating.
For example: Do males comprise 33-40% of those we are caring for? If NO, WHY NOT?
You may find use for some of these in future presentations or team discussions.
Tips to Improve Caring include:
*Team based interest/working groups to plan better for
males; include cross site/jurisdiction knowledge
exchange/peer support for clinicians/mentorship
*Include male former patients/MWED in planning/advising
*Include males in research AND disseminate this research to honor their contribution
rather than “the number of males were insufficient to report on”
*Include retrospective reviews on past males for quality improvement
*Review non-published findings on males in your own research
*Demonstrate that you’re informed/comfortable working with MWED
*Know the literature/resources & limits of both for males with eating disorders
*Use your creativity & planning to consider all-male therapeutic groups including online therapeutic or support groups?
*Schedule male appointments back to back/same time. Males see they are not the only male in treatment/care
*Seize the moment to engage the person who is seeking support (hope, optimism and repeat check-in)
A take away team or self-reflection exercise asks:
What are we doing in our own practice or setting to__
-Demonstrate a “male friendly” welcoming environment for
boys/men with Eating Disorders?
-Better understand… boys/men with Eating Disorders?
-Better support/treat/demonstrate caring … boys/men with
Eating Disorders?
Health innovation for all conference sustaining and transforming our health s...Paul Gallant
IHI Open School UBC Chapter, Health Innovation for All Conference. Sustaining and Transforming Our Health System(s)
Presentation by: Paul W. Gallant, Gallant HealthWorks
Session Summary:
This interactive workshop encourages participants to contribute their knowledge, views and experiences as health system(s) stakeholders to discuss questions based on the concepts and trends presented.
Better Healthcare Through Community and Stakeholder Engagement, 2015 Webinar ...Paul Gallant
"An enjoyable presentation, well-delivered with excellent insight into community and stakeholder engagement strategies. Terry Dyni - July 23, 2015" on the webinar version. This version is my complete slide deck from a live webinar presentation requested by the Conference Board of Canada. April, 2015. Thanks for your interest in Better Healthcare Through Community and Stakeholder Engagement.
Compliments of Paul W. Gallant, CHE, GALLANT HEALTHWORKS & Associates (GHWA), Vancouver, BC, Canada. PS See the last slide for contact details or to arrange customized training/facilitation or advice on your organizational needs.
This presentation offers ways to leverage a health equity strategy in order to inspire public action.
Bob Gardner, Director of Policy
www.wellesleyinstitute.com
Follow us on twitter @wellesleyWI
This presentation offers critical insights on thinking and acting on health equity.
Bob Gardner, Director of Policy
www.wellesleyinstitute.com
Follow us on twitter @wellesleyWI
Transition from allopathic to integrated modelLouis Cady, MD
Dr. Cady presented this presentation at the World Link Medical seminar in Salt Lake City, UT on January 27 for the 2012 Medical Seminar Series - Mastering the Protocols for Optimization of Hormone Replacement Therapy, Part 1. It will be presented twice more for World Link Medical in 2012.
This webinar will address health care reform, its effects on the corporate wellness industry, and the use of incentives and new incentive strategies to engage employees. With the changing health care market, a greater focus will be in prevention of disease and in encouraging a healthy labor force. The results of the recent healthcare reform law will have an impact on how health insurance is administered and how wellness programs will operate. New incentive strategies, using gift cards, will be a tool to get employees involved in a wellness program and to actively engage in their well being. With employee and employers working for health, they will not be as susceptible to the effects of healthcare reform.
The webinar will present the following information:
• The Patient Protection and Affordable Care Act and its effects on wellness
• Information about using gift cards as incentives
• Case studies that show the success of gift cards from various industries including Manufacturing, Nonprofit, Healthcare, Insurance, and Utility and Energy.
The complementary webinar, produced by the Corporate Wellness Magazine, on behalf of the Corporate Health and Wellness Association and Healthcare Reform Magazine. We will explore the benefits of incentives programs; whether you want improve efficiency and increase productivity.
Vanessa Cullerton,Senior Employee Wellness Manager of The Hillshire Brands Company (formerly Sara Lee) and Stacey Nelson, Manager of Health and Welfare from Sprint discusses the evolution of their wellness program and the innovative ways they engage employees in offering gifts cards to encourage employee participation.
This educational webinar, outlined the key legal requirements that need to be considered when implementing a corporate wellness program. We will discuss successful ways that companies have developed communication with their population, to not only get them engaged, but to get them fully on board.
The rules and regulations required by HIPAA, GINA, the ADEA and the ADA will be addressed, as well as the changes brought about by PPACA. This webinar will provide the knowledge and guidance needed by first time - and long time - managers of corporate wellness programs.
Wellness programs are an effective method to maintain group health plan costs, motivate employees to take control of their health, while assisting employees lead happier, healthier and more productive lives. Employers seek solutions by offering incentives that are tangible, easily accessible and tailored to the employees work/life balance for voluntary participation.
Prior to the passage of the Affordable Care Act, navigating the legal landscape of wellness programs and incentives could be treacherous. However, the Affordable Care Act seemed to be a clear endorsement of standards-based wellness programs by the government. PPACA generated even more opportunities to get creative with these wellness programs, but it is important to understand the risks.
The Personal Finance and Nutrition and Wellness teams of the Military Families Learning Network will be joining together to present this 90-minute webinar that will focus on the crossover effect of positive health behaviors and positive financial behaviors. As Drs. Ensle and O’Neill will discuss, research has found a strong correlation between health and wealth. This webinar will discuss those correlations and ways to motivate clients to adopt positive behaviors in both parts of their lives.
This presentation offers ways to leverage a health equity strategy in order to inspire public action.
Bob Gardner, Director of Policy
www.wellesleyinstitute.com
Follow us on twitter @wellesleyWI
This presentation offers critical insights on thinking and acting on health equity.
Bob Gardner, Director of Policy
www.wellesleyinstitute.com
Follow us on twitter @wellesleyWI
Transition from allopathic to integrated modelLouis Cady, MD
Dr. Cady presented this presentation at the World Link Medical seminar in Salt Lake City, UT on January 27 for the 2012 Medical Seminar Series - Mastering the Protocols for Optimization of Hormone Replacement Therapy, Part 1. It will be presented twice more for World Link Medical in 2012.
This webinar will address health care reform, its effects on the corporate wellness industry, and the use of incentives and new incentive strategies to engage employees. With the changing health care market, a greater focus will be in prevention of disease and in encouraging a healthy labor force. The results of the recent healthcare reform law will have an impact on how health insurance is administered and how wellness programs will operate. New incentive strategies, using gift cards, will be a tool to get employees involved in a wellness program and to actively engage in their well being. With employee and employers working for health, they will not be as susceptible to the effects of healthcare reform.
The webinar will present the following information:
• The Patient Protection and Affordable Care Act and its effects on wellness
• Information about using gift cards as incentives
• Case studies that show the success of gift cards from various industries including Manufacturing, Nonprofit, Healthcare, Insurance, and Utility and Energy.
The complementary webinar, produced by the Corporate Wellness Magazine, on behalf of the Corporate Health and Wellness Association and Healthcare Reform Magazine. We will explore the benefits of incentives programs; whether you want improve efficiency and increase productivity.
Vanessa Cullerton,Senior Employee Wellness Manager of The Hillshire Brands Company (formerly Sara Lee) and Stacey Nelson, Manager of Health and Welfare from Sprint discusses the evolution of their wellness program and the innovative ways they engage employees in offering gifts cards to encourage employee participation.
This educational webinar, outlined the key legal requirements that need to be considered when implementing a corporate wellness program. We will discuss successful ways that companies have developed communication with their population, to not only get them engaged, but to get them fully on board.
The rules and regulations required by HIPAA, GINA, the ADEA and the ADA will be addressed, as well as the changes brought about by PPACA. This webinar will provide the knowledge and guidance needed by first time - and long time - managers of corporate wellness programs.
Wellness programs are an effective method to maintain group health plan costs, motivate employees to take control of their health, while assisting employees lead happier, healthier and more productive lives. Employers seek solutions by offering incentives that are tangible, easily accessible and tailored to the employees work/life balance for voluntary participation.
Prior to the passage of the Affordable Care Act, navigating the legal landscape of wellness programs and incentives could be treacherous. However, the Affordable Care Act seemed to be a clear endorsement of standards-based wellness programs by the government. PPACA generated even more opportunities to get creative with these wellness programs, but it is important to understand the risks.
The Personal Finance and Nutrition and Wellness teams of the Military Families Learning Network will be joining together to present this 90-minute webinar that will focus on the crossover effect of positive health behaviors and positive financial behaviors. As Drs. Ensle and O’Neill will discuss, research has found a strong correlation between health and wealth. This webinar will discuss those correlations and ways to motivate clients to adopt positive behaviors in both parts of their lives.
The Small Steps to Health and Wealth initiative encourages participants to make positive behavior changes to simultaneously improve their health and personal finances. This presentation is a collaborative effort of the Military Families Learning Network and the Child and Family Learning Network.
Small Steps to Health and Wealth™ (SSHW) is a national Cooperative Extension program developed by Dr. Barbara O’Neill and Dr. Karen Ensle at Rutgers University that encourages participants to make positive behavior changes to simultaneously improve their health and personal finances. It is believed to be the first long-term program ever developed to motivate Americans to simultaneously apply the same personal behavior change strategies to both areas of their lives. SSHW was developed because many Americans have both health and financial “issues.” Societal problems that have been widely reported in recent years include an increasing incidence of diabetes, overweight, and obesity, low household savings, high household debt levels, and bankruptcy filings. The SSHW program includes 25 behavior change strategies that people can adopt to address these concerns. Each involves taking small positive steps that people can put into practice on a daily basis. This 90-minute webinar will begin by describing relationships between people's health and personal finances. It will then describe each one of the 25 behavior change strategies and how people can apply them to their lives.
Improving the Health Outcomes of Both Patients AND PopulationsCHC Connecticut
NCA Clinical Workforce Development, Team-Based Care 2019 Webinar Series
Webinar broadcast on: May 23, 2019 | 2 p.m. EST
In this webinar experts will share their journey in planning, preparing and launching a population health initiative. With the goals of impacting population health outcomes while ensuring cost effectiveness, our experts designed interventions to eliminate gaps in care, particularly among special populations.
The purpose of this Health Policy Study is to better understand adolescents’ views on what are considered core components of the medical home and identify barriers to promoting adolescent health in relation to the medical home.
In addition, this study sought to better understand the needs and challenges in providing adolescents with access to medical homes—from the perspective of both adolescents and experts in adolescent health and medical home policy. To accomplish these goals, researchers conducted focus groups with adolescents, presented these findings to experts, and gathered experts’ reactions to the adolescents’ perspectives. This report includes a detailed description of the methods used for this study, followed by a summary of key focus group findings and the expert reactions to these findings.
+What is the main idea of the story Answer in one paragraph or lo.docxadkinspaige22
+What is the main idea of the story? Answer in one paragraph or longer at least 5-7 sentences)
https://www.youtube.com/watch?v=maCsqrN-irQ
+Go to the following link, and read the article by Michael Bronski, “A Gay Man’s Case Against Gay Marriage”.
https://www.beliefnet.com/news/2004/05/a-gay-mans-case-against-gay-marriage.aspx
Why is Bronski against homosexual marriage? (1 paragraph or longer)
What does Bronski say about his own parents’ marriage? (1 paragraph or longer)
Does Bronski believe in equal rights for homosexuals? (1 paragraph or longer)
Note:
Each paragraph is at least 5-7 sentences, and sentence is not too short
Healthy People 2020
Healthy People was a call to action and an attempt to set health goals for the United States for the next 10 years.
Healthy People 2000 established 3 general goals:
Increase the span of healthy life.
Reduce health disparities.
Create access to preventive services for all.
Healthy People 2010 introduced 2 general goals:
Increase quality and years of healthy life.
Eliminate health disparities.
Practical Policy for Preventive Services
The U.S. health care system faces significant challenges that clearly indicate the urgent need for reform.
There is broad evidence that Americans often do not get the care they need even though the United States spends more money per person on health care than any other nation in the world.
Preventive care is underutilized, resulting in higher spending on complex, advanced diseases.
Practical Policy for Preventive Services
Patients with chronic diseases too often do not receive proven and effective treatments such as drug therapies or self management services to help them more effectively manage their conditions.
These problems are exacerbated by a lack of coordination of care for patients with chronic diseases.
Reforming our health care delivery system to improve the quality and value of care is essential to address escalating costs, poor quality, and increasing numbers of Americans without health insurance coverage.
Why policies need to be developed?
Basic needs are not being met (e.g., People are not receiving the health care they need)
People are not being treated fairly (e.g., People with disabilities do not have access to public places)
Resources are distributed unfairly (e.g., Educational services are more limited in neighborhoods of concentrated poverty)
Why policies need to be developed?
Current policies or laws are not enforced or effective (e.g., The current laws on clean water are neither enforced nor effective)
Proposed changes in policies or laws would be harmful (e.g., A plan to eliminate flextime in a large business would reduce parents' ability to be with their children)
Existing or emerging conditions pose a threat to public health, safety, education, or well-being (e.g., New threats from terrorist activity)
Marjory Gordon’s Functional Health Patterns
Marjory Gordon was a nursing theorist and professor who created a.
As new payment models emerge that emphasize value over volume, providers are being compelled to look more closely at how to motivate patients—especially those with multiple chronic conditions—to actively manage their care, make better decisions and change behaviors. This editorial webinar will explore the relationships between engagement and improved health outcomes, greater patient satisfaction and better resource utilization. Our panel of experts will share proven strategies for building patients' confidence, disseminating self-management tools and making the best use of your care team.
Gender Difference in Response to Preventative Health Careiowafoodandfitness
Luther College Students prepared the following community assessments as part of their Psychology of Health and Illness class in the Fall Semester 2008.
Welcome to the "Health Communication Matters! The Ongoing Challenge to Implement the Affordable Care Act" webinar sponsored by the California Pacific Public Health Training Center (CALPACT) at UC Berkeley's School of Public Health.
The most sweeping health policy change in decades – the Affordable Care Act, has created a myriad of challenges in how to convey a complex subject to the public, the media, policymakers, and other professionals. Experts in ACA-related health literacy and health insurance literacy initiatives walk us through ongoing areas of challenge after the passage of the ACA and health communication principles to deliver understandable and compelling content to diverse audiences.
Follow Us on Twitter: @CALPACT
Facebook: http://www.facebook.com/CALPACTUCB
Website: www.calpact.org
Medicaid Expansion has ushered in new challenges for those working in the Medicaid Industry. At the 2014 Medicaid Summit, join Medicaid Directors and industry leaders to discuss solutions to the challenges that are surfacing with Medicaid Expansion. Be a part of the discussions on the Medicaid regulations and access to care and their impact on the Medicaid industry for state operators, providers and Medicaid health plans.
http://bit.ly/MedicaidSummit
Recognition of the needs of people seeking to improve their health. Professional and personal skills to meet these needs: competence in promoting health, communication, mutual collaboration and respect, empathy, responsiveness, sensitivity, Commitment and adherence to quality, evidence-based and ethical practice.
Inflation Causes, Impacts, Mitigation Strategies, and BenefitsBarbara O'Neill
60-minute webinar for AFCPE on 05/11/23 that discusses the causes and impacts of inflation and several dozen strategies to mitigate the effects of higer prices on household budgets.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
1. Health and Wealth
Relationships
https://learn.extension.org/events/2677
Dr. Barbara O’Neill, CFP®, and Dr. Karen Ensle, RDN
Rutgers Cooperative Extension
This material is based upon work supported by the National Institute of Food and Agriculture, U.S. Department of Agriculture, and the Office of Family
Readiness Policy, U.S. Department of Defense under Award Numbers 2010-48869-20685, 2012-48755-20306, and 2014-48770-22587.
2. Research and evidenced-based
professional development
through engaged online communities
www.extension.org/militaryfamilies
Sign up for webinar email notifications at
www.extension.org/62831
3. Webinar Objectives
• Describe how health and personal finances are
related
• Describe research findings linking health and
personal finances
• Describe the Personal Health and Finance Quiz
• Describe the Small Steps to Health and Wealth™
(SSHW) program framework
• Describe SSHW program materials and additional
related resources
6. Health and Personal Finance
Similarities and Relationships
1. Problems develop gradually
2. Less stigma due to increasing frequency
3. Impacts job productivity, discrimination
4. Lots of technical jargon
– Medical terms and directions
– Financial terms and acronyms
7. More Similarities Between
Health and Personal Finances
5. Need for programs in schools and at work sites
6. People fear drastic changes and large numbers
7. Need for more “point of purchase” information
8. Advice needs to be realistic
8. Still More Similarities Between
Health and Personal Finances
9. Lack of limits causes problems
10. Restrictions help avoid problems
11. Drastic solutions have major drawbacks
12. Good health affects wealth
– Health = Higher productivity, fewer work absences
– Live long enough to collect Social Security benefits
– Money saved on smoking, health care bills, etc.
9. Still More Similarities...
13. Longevity concerns: healthy people need to save
more money for longer lifetime
14. People want quick fixes; targets for fraud
15. Denial and disconnects
16. Need for routine check-ups
10. Still More Similarities
13. Longevity concerns: healthy people need to save
more money for longer lifetime
14. People want quick fixes; targets for fraud
15. Denial and disconnects
16. Need for routine check-ups
11. Finally, Still More Similarities
17. Poor risk perception
18. Personal traits = Success
19. Many available resources
20. Government and employer intervention
16. Personality Traits and
Financial Behavior
• Personality profiles and financial habits established
for 269 respondents age 16 to 71; 46% male
• Conscientiousness and locus of control had a
profound impact on both financial attitudes and
behaviors
Davey, J. & George, C. (2011). Personality and Finance: The
Effects of Personality on Financial Attitudes and Behaviour.
International Journal of Interdisciplinary Social Sciences, 5 (9),
275-294.
17. Health-Wealth Relationships
Research Findings
• The “cost” of better health is the need for greater wealth
(higher total lifetime health care costs for healthier people)
– More years of out-of-pocket expenses
– Increased likelihood of chronic condition in later life
– Increased likelihood of need for long-term care
– http://crr.bc.edu/wp-content/uploads/2010/05/IB_10-8.pdf (Sun, Webb, & Zhivan, 2010)
• Healthy living habits may improve during tough economic
times
– http://www.stlouisfed.org/publications/re/articles/?id=2018
– http://libres.uncg.edu/ir/uncg/f/C_Ruhm_Healthy_2005.pdf (Ruhm, 2005)
– http://archive.fortune.com/2009/10/27/news/economy/health_recession.fortune/index.htm
18. More Research Findings
• Associations between financial distress and physical
symptoms of stress
– http://ldi.upenn.edu/uploads/media_items/foreclosure-and-health-
status.original.pdf
– http://www.personalfinancefoundation.org/research/efd/The-Association-
Among-Health-Race-and-Debt.pdf
• Childhood self-control predicts research subjects’ future
health, wealth, and other life outcomes
Moffitt, T.E, Arseneault, L., Belsky, D., Dickson, N, Hancox, R.J., Harrington, H.,
Houts, R., Poulton, R., Roberts, B.W., Ross, S., Sears, M.R, Thomson, W.M., &
Caspi, A. (2011). A gradient of childhood self-control predicts health, wealth, and
public safety. Proceedings of the National Academy of Sciences, 108(7), 2693-2698.
19. More Research Findings
• Smokers’ lower net worth vs. non-smokers
– http://www.ncbi.nlm.nih.gov/pmc/articles/PMC1747936/pdf/v013p00370.pdf
• Negative association of BMI and income, especially among
white females
– http://www.nber.org/papers/w11343
• Positive impact of financial incentives on health behaviors
– http://mcr.sagepub.com/content/65/6_suppl/36S.short
• Widespread health insurance illiteracy
– http://www.aicpa.org/press/pressreleases/2013/pages/us-adults-fail-health-
insurance-101-aicpa-survey.aspx
– http://www.washingtonpost.com/blogs/wonkblog/wp/2013/08/08/do-you-
understand-health-insurance-most-people-dont/
– http://www.hks.harvard.edu/fs/bmadria/Documents/Madrian%20Papers/Consu
mers%20Misunderstanding%20of%20Health%20Insurance.pdf
20. More Research Findings
• Positive relationship between engaging in regular physical
activity and labor market earnings
• Regular exercise yielded a 6% to 10% wage increase
• Possible reason: Fit employees are highly disciplined and
more productive, which can lead to career advancement and
higher earnings
Kosteas, V.D. (2012). The effect of exercise on earnings: Evidence from the
NLSY. Journal of Labor Research, 33, 225-250.
21. More Research Findings
• Dor, Ferguson, Langwith, and Tan (2010) estimated overall
annual costs of being obese as $4,879 for an obese woman
and $2,646 for an obese man
• Their analysis included non-medical indirect costs e.g., sick
days, lost productivity, lower wages, life insurance premiums
(i.e., not being able to qualify for preferred rates), and even
the need for extra gasoline
• The difference between genders was mostly the result of lost
wages for obese women; obese women lost more income
through lost wages than medical costs
https://publichealth.gwu.edu/departments/healthpolicy/DHP_Publications/pub_uplo
ads/dhpPublication_35308C47-5056-9D20-3DB-157B39AC53093.pdf
22. Retirement Plan Savings and
Health Behavior Study
• Published in Psychological Science in 2014:
http://pss.sagepub.com/content/early/2014/06/25/0956797614540467.abstract
• An employee’s decision to contribute to a 401(k) predicted
action to correct poor physical health indicators that were
revealed during an employer-sponsored health examination
• Employees who saved for the future in a 401(k) showed
improvements in abnormal blood-test results and health
behaviors about 27% more often than non-contributors did
• Findings were attributed to individuals’ time-discounting trait
that predicts long-term behavior
23. Information Search: Another
Health and Personal Finance Link
• 2015 Study: Individuals who engage in health search
behaviors (e.g., reading nutrition details of food labels) are
more likely to engage in financial planning activities
• Financial planning was proxied through five different
retirement readiness activities
• N = 4,825 cases
• Cognitive process had significant health-wealth relationship
but direct physical activities (e.g., exercise) did not
http://afcpe.org/assets/pdf/volume_26_1/pages_3-16.pdf
25. Financial Incentives and
Smoking Cessation
• Savings account for worker deposits for six months
• Urine test at six-month mark
• Participants got money back if they passed test
• Participants forfeited money if they did not pass
• Smokers randomly assigned to program were 3%
more likely to pass 6-month test than control group
• Effects persisted in surprise tests at 12 months
• Savings program produced lasting smoking cessation
http://www.ingentaconnect.com/content/aea/aejae/2010/00000002/00000004/art00009
26. More Research on Smoking
Cessation Financial Incentives
• Extrinsic motivation can enhance short-term
smoking cessation and reduction
• Durability of long-term maintenance of effects is
unknown or disappointing
• Effects depend upon the design of incentives, their
form (e.g., monetary rewards), how they interact
with intrinsic and social motivations, and what
happens when incentives are withdrawn
http://www.ingentaconnect.com/content/aea/jep/2011/00000025/00000004/art00009
27. Possible Insight
• Just like investment account money, people may be
more “sensitive” to losing previously saved money
related to a health habit (via a commitment contract)
than earning new money (a simple incentive payment)
• Many insights in behavioral finance loss aversion
literature (Thaler, Odean, Camerer, Kahneman, etc.)
29. Personal Health and
Finance Quiz
http://njaes.rutgers.edu/money/health-finance-quiz/
• Believed to be FIRST combined online health and personal
finance behavioral practice assessment tool; IRB approved at
Rutgers
• Three distinct uses:
– Stand-alone self-assessment tool for users
– To collect data for ongoing research
– For educators to use for SSHW program evaluation (pre-
and post-program score)
30. Health Questions1 = Never
2 = Sometimes
3 = Usually
4 = Always
Daily Health Behaviors:
___ 1. I eat breakfast before starting my day (e.g., work, school, or other daily activities).
___ 2. I avoid drinking sugar-sweetened beverages (e.g., regular soda and sweetened coffee, tea, or waters).
___ 3. I eat 3 ½ to 4 ½ cups of fruits AND vegetables daily.
___ 4. I get at least 7 hours of sleep per night.
___ 5. I eat at least 1-2 high fiber foods each day (e.g., whole wheat bread and pasta, oat bran, beans, lentils, peas)
___ 6. I eat and drink fat-free and/or low-fat dairy products.
___ 7. I avoid high-calorie salad dressings, gravies, spreads, and/or sauces.
___ 8. I eat foods that are low in fat and/or saturated fat.
___ 9. I get at least 30 minutes of aerobic and/or muscle-strengthening physical activity at least 5 days per week.
___ 10. I read the Nutrition Facts Label on food products before making a purchase
Health Score: __________
• 9-16 points- Your health choices could be better, but don’t despair. It’s never too late to take action to improve your health.
• 17-24 points- You are doing a fair job of managing your health practices and have taken some steps in the right direction.
• 25-32 points- You are doing a good job and are above average in managing your health.
• 33-40 points- You are in excellent shape managing your health. Keep up the good work!
• Note: Items that you scored with a 1 or 2 are actions that you should consider taking in the future to improve your health.
31. Finance Questions
Daily Financial Behaviors:
___ 11. I follow a hand-written or computer-generated spending plan (budget) to guide my spending and savings.
___ 12. I maintain an emergency fund equal to at least three months of basic, essential household expenses.
___ 13. I save the equivalent of at least $1 daily ($365 annually) in loose change in a savings account and/or or jar.
___ 14. I invest the equivalent of at least $10 daily ($3,650 annually) in investment accounts and/or retirement plans.
___ 15. I avoid payday loans, car title loans, pawn shop loans, cash advances, tax refund loans, and other high-cost debt.
___ 16. I owe less than 20% of my monthly net income on monthly consumer debt payments (e.g., credit cards, car loans) ___
17. I eat at least two meals a day prepared at home instead of eating out (excluding traveling).
___ 18. I use advertisements, coupons, promo codes, sales, web sites, and/or discounts to save money on purchases.
___ 19. I live below my means (i.e., spend less than I earn).
___ 20. I make written “to do” lists or specific plans to organize my financial goals, spending, and/or daily activities.
Financial Score: __________
Score Interpretation
• 9-16 points- Your financial choices could be better, but don’t despair. It’s never too late to take action to improve your finances.
• 17-24 points -You are doing a fair job of managing your personal finances and have taken some steps in the right direction.
• 25-32 points -You are doing a good job and are above average in managing your finances.
• 33-40 points -You are in excellent shape managing your finances. Keep up the good work!
Note: Items that you scored with a 1 or 2 are actions that you should consider taking in the future to improve your personal
finances.
TOTAL (Health + Financial) Score: __________
32. Activity: Take the Personal
Health and Finance Quiz
• Use a print copy or take it online:
http://njaes.rutgers.edu/money/health-finance-quiz/
• Total your score
• Identify your areas of strength (i.e., frequently
performed positive health and financial practices)
• Identify areas for improvement
35. Question #7:
As a Result of Taking the
Quiz, Which Health or
Financial Practices Would
You Like to Take Action On?
36. Research Findings: Personal
Health and Finance Quiz
• Correlation of .463 between health behavior index (9
behaviors) and financial behavior index (9 behaviors)
• Lowest average quiz score (health behavior): eating 3 ½ to
4 ½ cups of fruits and vegetables daily
• Lowest average quiz score (financial behavior): following a
spending plan
• N = 942
https://www.onefpa.org/journal/Pages/MAR16-Propensity-to-
Plan-A-Key-to-Health-and-Wealth.aspx
37. More Research Findings
• Studied relationships of positive health and finance practices
that involve
– A daily time expenditure (physical activity, eating at home)
– Avoidance of negative behaviors (SSBs, payday loans)
• Weak but statistically significant, relationships
• Women had higher correlations than men for practices
involving routine activities that involve a time expenditure and
avoidance of negative behaviors
• Forthcoming publication
38. More Research Findings
• Studied relationships between the practice of following a
hand-written or computer-generated spending plan
(budget) and positive health and financial behaviors
• Positive and statistically significant relationships between
budgeting and health and financial behaviors
• Many quiz health items involve “budgeting” calories
• Forthcoming publication
39. Future Data Analyses
• Will test personal finance score relationships with new
nutrition label reading quiz item to build upon Carr et al.
(2015) study
• Continued study of the relationship of health and personal
finance practices
40. Graduate Student Master’s
Thesis is Using the Quiz as a
Data Source
University of Kentucky MS degree graduate
student/Extension agent, Laura White, using
quiz to study the impact of a SSHW class series
43. Retirement Savings
• A third of people in the U.S. have NOTHING saved for
retirement including 14% of those age 65+ and 26% of those
age 50 to 64 (8/14 Bankrate.com survey)
http://www.usatoday.com/story/money/personalfinance/2014/08
/18/zero-retirement-savings/14069937/
• 2016 EBRI Retirement Confidence Survey (RCS): 26% of
workers have < $1,000 in retirement savings and 54% have
< $25,000 (excluding house and DB pension:
https://www.ebri.org/pdf/surveys/rcs/2016/EBRI_IB_422.Mar
16.RCS.pdf
44. Fed Survey on Economic Well-
Being of U.S. Households (7/14)
http://www.federalreserve.gov/econresdata/2013-report-
economic-well-being-us-households-201407.pdf
• 25% of households “just getting by”; 13% struggling
• 31% of respondents not retired had no savings or
pension, including 19% age 55 to 64
• Only 39% of respondents had 3 months of
expenses in savings
45. Health Study: 6 in 10 Americans
Drink Regularly; only 3 in 10 Get
Regular Exercise (CDC Study)
http://www.webmd.com/healthy-aging/news/20100316/good-vs-
bad-health-habits-in-us
• One in five adults were smokers
• Six in 10 adults were obese or overweight
• Three in 10 adults averaged 6 hours of sleep or fewer per
night.
46. Health and Finances Top New
Year’s Resolutions
• University of Scranton study:
http://www.rochesterhomepage.net/story/top-new-
years-resolutions-and-staying-with-
them/d/story/puM2h0ppTUugrkw4qsx2YQ
• Top 5 resolutions for 2014:
1. Lose weight
2. Get organized
3. Spend less, save more
4. Enjoy life to the fullest
5. Stay fit and healthy
47. O’Neill Journal Articles For More
Background Information
The Forum For Family and Consumer Issues (2004)
www.ces.ncsu.edu/depts/fcs/pub/9_3/smallsteps.html
The Forum For Family and Consumer Issues (2014)
http://ncsu.edu/ffci/publications/2014/v19-n1-2014-
spring/oneil-ensle.php
48. SSHW “Elevator Statement”
Small Steps to Health and Wealth™
encourages participants to make
positive behavior changes to
simultaneously improve their health
and personal finances.
49. SSHW™ Framework: 25 Health &
Wealth Behavior Change Strategies
• Track Your Current Behavior
• Unload Your Childhood Baggage
• Put Your Mind To It
• Commit to Making a Change
• Defy Someone or Defy the Odds
• Think Balance-Not Sacrifice
• Control Your Destiny
• Make Progress Every Day
• Get Help and Be Accountable
• Meet Yourself Halfway
• Say “No” to Supersizing
• Convert Consumption Into Labor
• Compare Yourself With Benchmarks
• Use Easy Frames of Reference
• Automate Good Habits and Create Templates
• Live “The Power of 10”
• Take Calculated Risks and Conquer Fears
• Appreciate Teachable Moments and Wake-Up
Calls
• Weigh the Costs and Benefits of Changing
• Step Down to Change
• Kick It Up a Notch
• Control Your Environment
• Monitor Your Progress & Reward Success
• Expect Obstacles & Prepare For Relapses
• Set a Date & Get Started…Just Do It!
50. Each Strategy Has a
Personalized Worksheet
Examples:
• Food and activity/ Income and expense logs
• Visualization and positive self talk exercises
• Defiance worksheets: health and wealth
• Energy balance and money balance worksheets
• Converting calories and spending into labor worksheets
51. “The Jersey Diner
Approach” to SSHW
• Adopt strategies that work for you
• Choose 3 to 4 (maximum) strategies
52. 1. Track Your Current Behavior
(Exercise, Eating, Spending)
• Use a pedometer:
– To determine current number of steps- then build up gradually
– “Use your feet more and you can eat more”
• Track foods eaten & calories consumed:
– Use a “Calorie Counter” book for unlabeled foods
• Track monthly income, expenses, & cash flow
– Is spending or eating related to emotions?
http://njaes.rutgers.edu/sshw/workbook/01_Track_Your_Current_Behavior.pdf
53. 5. Defy Someone or Defy the
Odds
• Make a bet and win it
• Prove someone wrong
• Stop being a statistic!
http://njaes.rutgers.edu/sshw/workbook/05_Defy_Someone_or_Defy_the_Odds.pdf
54. 6. Think Balance- Not Sacrifice
• Need to balance intake and outgo
• Weight: Burn more calories than consumed
• Savings: Earn more money than spent
• More people today are “out of balance”
• Changing just one habit can have big impact
http://njaes.rutgers.edu/sshw/workbook/06_Think_Balance-Not_Sacrifice.pdf
55. 8. Make Progress Everyday
Any small step to improve your
health or increase your wealth is
better than doing nothing!
http://njaes.rutgers.edu/sshw/workbook/08_Make_Progress_Every_Day.pdf
56. Question #8:
What are some things you
can do daily to reach your
health or financial goals?
57. 9. Get Help and Be Accountable
Sources of support to reach goals:
• Friends, family, co-workers
• Pets
• Employers
• Support groups
http://njaes.rutgers.edu/sshw/workbook/09_Get_Help_and_Be_Accountable.pdf
58. 10. Meet Yourself Halfway
• Health: Decrease portion sizes of favorite foods by
1/3 to 1/2 and/or increase exercise
– Eat half as much as you do now…gradually
– Take leftovers from restaurant meals home
• Finances: Reduce discretionary spending by 1/3 to
1/2 and/or increase income
– Spend less than you do now
– Look for less expensive options
http://njaes.rutgers.edu/sshw/workbook/10_Meet_Yourself_Halfway.pdf
59. 12. Convert Consumption
(Calories, Spending) Into Labor
• Health: How many hours of exercise are needed to
burn off extra food?
– Is eating a certain food “worth the calories?”
• Finances: How many hours of work are needed in
order to buy something (use after-tax dollars)?
– Is buying something worth the time worked?
http://njaes.rutgers.edu/sshw/workbook/12_Convert_Consumption_Into_Labor.pdf
60. 13. Compare Yourself With
Recommended Benchmarks
• Health:
– Body Mass Index (BMI)
– 4 ½ cups of fruits and vegetables daily
– Total cholesterol < 200 mg/dl
• Finances:
– Consumer debt-to-income ratio < 20%
– Age times gross income divided by 10 (Stanley & Danko
formula in The Millionaire Next Door)
– Suggested asset allocations by age
http://njaes.rutgers.edu/sshw/workbook/13_Compare_Yourself_With_Recommended_Benchmarks.pdf
61. 15. Automate Good Habits and
Create Templates
• Health: Routine health screenings, nutritional
shakes and “points” programs for weight loss, short
programmed workouts (e.g., Curves)
• Finances: Dollar-cost averaging investment
deposits, employer retirement savings plan, Save
More Tomorrow concept, direct deposit
http://njaes.rutgers.edu/sshw/workbook/15_Automate_Good_Habits_and_Create_Templates.pd
f
62. 16. Live “The Power of 10”
• Lose 10% of body
weight
• Walk 10,000 steps/day
• Eat 100 calories less
per day
• Exercise in 10-minute
intervals
• Save $10 a week or
month
• Add $1/day to credit
card payments
•Invest some money in
stock (average 10%
return)
http://njaes.rutgers.edu/sshw/workbook/16_Live_The_Power_of_10.pdf
63. 19. Weigh the Costs and
Benefits of Changing
• Cost-benefit analysis: decision-making tool
• Decisional Balance: weigh pros and cons of
changing behavior
• People take action when the pros of changing
outweigh the cons
• Decisions to change affect others
http://njaes.rutgers.edu/sshw/workbook/19_Weigh_the_Costs_and_Benefits_of_Changing.pdf
64. 20. Step Down to Change
• Don’t cut out something completely
• Find a better alternative
http://njaes.rutgers.edu/sshw/workbook/20_Step_Down_to_Change.pdf
Source of Figure: Dr. Alena
Johnson, Utah State University
66. 21. Kick It Up a Notch!
• Ramp up physical
activity
• Work up to 10,000
steps
• Increase fruits and
vegetables in diet
• Do more of anything
positive!
• Transfer credit card
balances to lower rate
• Automatically increase
savings at regular
intervals
• Add 1/12 of mortgage
payment (P & I) monthly
• Do more of anything
positive!
http://njaes.rutgers.edu/sshw/workbook/21_Kick_it_Up_a_Notch.pdf
67. 52-Week Money Challenge
• Starts with $1 and gradually ramps up $1 a week to 52
http://walton.ifas.ufl.edu/fcs/files/2014/01/52-Week-Money-Challenge.pdf
68. 52-Week Youth Money Challenge
• Gradually ramps up from $1 to $5 per week
http://www.slideshare.net/BarbaraONeill/52-week-money-challenge-for-youth0315
71. 25. Set a Date and Get Started…
Just Do It!
• Take the time to prepare properly
• Identify and address obstacles
• Set a realistic start or quit date
• “Go public” with your commitment to change
• Consider a “commitment contract”
• Then…”just do it!”
http://njaes.rutgers.edu/sshw/workbook/25_Set_a_Date_and_Get_Started---
Just_Do_It.pdf
75. Recent SSHW Program
Components
• Second Edition SSHW workbook (2013)
• SHHW workbook online for free downloading:
http://njaes.rutgers.edu/money/
• SSHW Youth Curriculum (U of KY):
http://www2.ca.uky.edu/agc/pubs/fcs5/fcs5451/fcs5451.PDF
• SSHW Older Adult Curriculum (U of FL):
http://njaes.rutgers.edu/sshw/internal/older-adults/Lesson-1-
Living-Well-on-a-Shoestring-with-activities.pdf (Lesson 1)
76. SSHW Web Site Features
• Daily motivational messages for 9 competitive SSHW
challenges (2010-2013)
• SSHW book marketing information
• SSHW Blog (U of CA)
• SSHW Podcasts and videos (Colorado State
University)
• List of refereed journal articles and abstracts
http://njaes.rutgers.edu/sshw/
77. SSHW Monthly Messages
• Monthly health message
• Monthly financial message
• All prior messages since 2007 are archived on the
SSHW Web site: http://njaes.rutgers.edu/sshw
• ALL health and financial educators are invited- and
encouraged- to write SSHW messages
– Message are archived to be able to list on CVs
– Writing helps build national recognition!
78. SSHW Workplace Wellness
Newsletters
• Available for free downloading on Rutgers Web Site:
http://njaes.rutgers.edu/sshw/
• 26 newsletters: Introduction and 25 behavior change
strategies
• Introductory newsletter:
http://njaes.rutgers.edu/sshw/pdfs/workforce-
newsletter/Introduction.pdf
79. SSHW Animated Videos
• Ten animated SSHW videos are archived at
http://www.youtube.com/user/moneytalkBMO
80. Sample SSHW Videos
• Video about SSHW Book:
https://www.youtube.com/watch?v=PpYMxgZCtZ8
• “Kick It Up a Notch” Strategy:
https://www.youtube.com/watch?v=Jejh1h7CQpY
84. Other Resources: Health
Assessment Tools
• Healthy Behaviors Quiz (Indiana University)
http://www.weighttalk.net/iu/about-the-program/healthy-behaviors-quiz/
This quiz asks a series of five questions about healthy behaviors practiced on a regular basis.
• Interactive Games, Quiz, and Videos (Academy of Nutrition and Dietetics)
http://www.eatright.org/nnm/games/#.U57HNU1OWM8
This Web page includes six interactive programs to teach health and nutrition topics to youth
and adults.
• Nutrition and Activity Quiz (American Cancer Society)
http://www.cancer.org/healthy/toolsandcalculators/quizzes/nutrition-activity-quiz/
This quiz consists of 12 questions about daily behaviors that are taken to live a healthy
lifestyle.
• 360 Degree Gut Check (Live Well Colorado)
http://livewellcolorado.org/healthy-living/360-gut-check/behavior-quiz
This Web page includes three different health behavior assessment quizzes for adults,
children, and families.
85. Other Resources: Financial
Assessment Tools
• Financial Fitness Quiz (Rutgers Cooperative Extension)
http://njaes.rutgers.edu/money/ffquiz/
This 20-question online multiple choice quiz provides a self-assessment of personal finance
practices.
• Financial Fitness Quiz (Virginia Society of Certified Public Accountants)
http://www.vscpa.com/Content/59148.aspx
This 20-question online true-false quiz provides a self-assessment of personal finance
practices.
• Personal Finance Quizzes (Money Tools: Personal Finance News and Information)
http://moneytools.org/personal-finance-quizzes
This Web page includes a wide variety of interactive quizzes on personal finance topics.
• Saver Checklist (America Saves)
http://americasaves.org/for-savers/savings-tools-and-resources/saver-checklist-tool
This checklist of personal finance behaviors includes characteristics of successful savers.
87. What is one significant
thing
you learned today?
87
88. Key Take-Aways
• Health and personal finances are interrelated
• Personality traits impact health and financial
behaviors
• Many Americans have health and/or personal finance
“issues”
• The Personal Health and Finance Quiz assesses the
frequency of individuals’ health and financial
behaviors
• SSHW teaches behavior change strategies in an
interdisciplinary manner
90. Find all upcoming and recorded webinars covering:
Personal Finance
Military Caregiving
Family Development
Family Transitions
Network Literacy
Nutrition & Wellness
Community Capacity Building
This material is based upon work supported by the National Institute of Food and Agriculture, U.S. Department of Agriculture, and the Office of Family
Readiness Policy, U.S. Department of Defense under Award Numbers 2010-48869-20685, 2012-48755-20306, and 2014-48770-22587.
www.extension.org/62581