This document discusses the Small Steps to Health and Wealth program. It begins by noting health and finances are top New Year's resolutions. It then provides an overview of the SSHW program, which is designed to motivate behavior change to improve health and personal finances through small, daily steps. The document highlights similarities between health and personal finances and how taking small steps can benefit both areas.
What you need to implement and take your wellness programs to the next level ...Health Fairs Direct
What you need to do to create an interactive corporate wellness program, create positive behavioral changes in your employees and maximize your ROI. This is not just another ROI presentation. We actually show you HOW to create a program that engages, motivates and changes behavior.
For more information please visit www.healthfairsdirect.com
Regards, John
From Wellness to Wellbeing: Take a Healthy Look at Your WorkplaceCBIZ, Inc.
Enjoy this presentation where three of our Wellbeing Solutions professionals discuss all facets of promoting a wellbeing program in the office. http://www.cbiz.com/wellbeing
Durante la Asamblea General de Socios de 2012 se tomó la decisión de redactar un código deontológico de ASPM en el que se recogieran las propuestas del comité creado ad hoc para esta tarea. El código que se aprobó en Asamblea el pasado 16 de Febrero.
Como todos los códigos deontológicos profesionales, pretende lograr los siguientes objetivos:
• Dar identidad, estatus y una definición como profesionales.
• Servir como fuente de evaluación pública de la profesión.
• Incrementar la reputación del profesional.
• Aumentar la confianza de la sociedad.
• Hacer prevalecer en todo momento el interés general por delante del particular.
• Definir lo que está bien o lo que está mal en el desarrollo de la actividad profesional.
• Configurar las actitudes mínimas exigibles.
• Canalizar la acción profesional en consonancia con el ideario propio del profesional.
De todos nosotros depende en primer lugar, conocerlo en profundidad y darlo a conocer, además de por supuesto, cumplir con sus preceptos y en caso de duda, plantearla.
Mas aún, estas normas éticas intentan definir y dar valor a la vida laboral cotidiana de los profesionales y generar comportamientos que propicien la confianza en lo cotidiano, ya que todo ello redundará en el prestigio de nuestra profesión.
Cambridge Realty Capital Companies CEO Jeff Davis speaks at the Wisconsin Assisted Living
CEO Roundtable Discussions.
Follow him on Twitter: @jdaviscambridge
What you need to implement and take your wellness programs to the next level ...Health Fairs Direct
What you need to do to create an interactive corporate wellness program, create positive behavioral changes in your employees and maximize your ROI. This is not just another ROI presentation. We actually show you HOW to create a program that engages, motivates and changes behavior.
For more information please visit www.healthfairsdirect.com
Regards, John
From Wellness to Wellbeing: Take a Healthy Look at Your WorkplaceCBIZ, Inc.
Enjoy this presentation where three of our Wellbeing Solutions professionals discuss all facets of promoting a wellbeing program in the office. http://www.cbiz.com/wellbeing
Durante la Asamblea General de Socios de 2012 se tomó la decisión de redactar un código deontológico de ASPM en el que se recogieran las propuestas del comité creado ad hoc para esta tarea. El código que se aprobó en Asamblea el pasado 16 de Febrero.
Como todos los códigos deontológicos profesionales, pretende lograr los siguientes objetivos:
• Dar identidad, estatus y una definición como profesionales.
• Servir como fuente de evaluación pública de la profesión.
• Incrementar la reputación del profesional.
• Aumentar la confianza de la sociedad.
• Hacer prevalecer en todo momento el interés general por delante del particular.
• Definir lo que está bien o lo que está mal en el desarrollo de la actividad profesional.
• Configurar las actitudes mínimas exigibles.
• Canalizar la acción profesional en consonancia con el ideario propio del profesional.
De todos nosotros depende en primer lugar, conocerlo en profundidad y darlo a conocer, además de por supuesto, cumplir con sus preceptos y en caso de duda, plantearla.
Mas aún, estas normas éticas intentan definir y dar valor a la vida laboral cotidiana de los profesionales y generar comportamientos que propicien la confianza en lo cotidiano, ya que todo ello redundará en el prestigio de nuestra profesión.
Cambridge Realty Capital Companies CEO Jeff Davis speaks at the Wisconsin Assisted Living
CEO Roundtable Discussions.
Follow him on Twitter: @jdaviscambridge
GEMBA is a LEAN tool, which we use in the beginning of a project and after we have implemented the project.
Before or in the beginning of a project it is to find out, how the processes and the work stream is today and what the employees can see have to be changed.
After a project the GEMBA tool will be used of the manager to find the continuous improvement and to make the next step to operations excellence in the company.
Business Improvement initiatives are getting a lot of press these days: “..our projects saved over $10M in the first 12 months of deployment using BPM” . It seems logical for an organization to jump onto the process improvement bandwagon. Much is promised of business improvement efforts, and there are many capable consultants and companies willing to support a company’s BPM deployment that can last months to years. But how does an organization know that the business improvement efforts will really result in a quantifiable benefit to the business? Process improvement initiatives are not inexpensive to start or sustain over many years, and most executives require the clear identification of benefits to justify the expenditure of training resources and driving project work before approving a long-term initiative.
Dtech 2015 the distribution management system network modelSchneider Electric
The presentation will illustrate the methodology deployed to achieve an accurate Distribution Network Model at Duke Energy Carolinas. It will also dive in to the impact on various stakeholders in the organization, as well as the change management process that drives the successful implementation of the model.
In our continuing series on the Gemba Walk we reintroduce some of the concepts of the Gemba Walk, while taking a closer look at some of the actions that can and should then be taken.
One of the most important points discussed is that of planning the walk and how to then follow through with that plan, both as a participant and as an observer.
Creative Safety Supply is the leader in visual safety. Our safety and 5S products - including our flagship floor tape SafetyTac and our LabelTac industrial labeling solutions - help companies create simple visual cues and systems that promote safety, compliance, and a lean mindset for employees and guests of any facility.
You can reach us at 1-866-777-1360 form 6:00am to 4:00pm, PST, or visit https://www.creativesafetysupply.com/articles/gemba/ to learn more about gemba.
HXR 2016; Behavior Change Design - David Hoke, WalmartHxRefactored
A space where theory, evidence, policy and practice can come together to enlighten multi-disciplinary stakeholders interested in facilitating meaningful change at individual, group and population levels.
GEMBA is a LEAN tool, which we use in the beginning of a project and after we have implemented the project.
Before or in the beginning of a project it is to find out, how the processes and the work stream is today and what the employees can see have to be changed.
After a project the GEMBA tool will be used of the manager to find the continuous improvement and to make the next step to operations excellence in the company.
Business Improvement initiatives are getting a lot of press these days: “..our projects saved over $10M in the first 12 months of deployment using BPM” . It seems logical for an organization to jump onto the process improvement bandwagon. Much is promised of business improvement efforts, and there are many capable consultants and companies willing to support a company’s BPM deployment that can last months to years. But how does an organization know that the business improvement efforts will really result in a quantifiable benefit to the business? Process improvement initiatives are not inexpensive to start or sustain over many years, and most executives require the clear identification of benefits to justify the expenditure of training resources and driving project work before approving a long-term initiative.
Dtech 2015 the distribution management system network modelSchneider Electric
The presentation will illustrate the methodology deployed to achieve an accurate Distribution Network Model at Duke Energy Carolinas. It will also dive in to the impact on various stakeholders in the organization, as well as the change management process that drives the successful implementation of the model.
In our continuing series on the Gemba Walk we reintroduce some of the concepts of the Gemba Walk, while taking a closer look at some of the actions that can and should then be taken.
One of the most important points discussed is that of planning the walk and how to then follow through with that plan, both as a participant and as an observer.
Creative Safety Supply is the leader in visual safety. Our safety and 5S products - including our flagship floor tape SafetyTac and our LabelTac industrial labeling solutions - help companies create simple visual cues and systems that promote safety, compliance, and a lean mindset for employees and guests of any facility.
You can reach us at 1-866-777-1360 form 6:00am to 4:00pm, PST, or visit https://www.creativesafetysupply.com/articles/gemba/ to learn more about gemba.
HXR 2016; Behavior Change Design - David Hoke, WalmartHxRefactored
A space where theory, evidence, policy and practice can come together to enlighten multi-disciplinary stakeholders interested in facilitating meaningful change at individual, group and population levels.
Workplace Health: The Pillars of Employee Wellness - Hosted by Lori CasselmanLeague Inc.
Establishing a culture of health within your organization begins with simple steps each day. In order to reap more significant returns, these efforts need to be diverse and comprehensive.
Do you often wish that you could find a home based business that cuts through the hype and presents you with the genuine opportunity to change your situation? A company that you would be proud to represent; one with integrity, family values, openness, and gives back to the community. Then look no further!
See why Reliv has a retention rate of 65% vs. 11% for all other direct sales companies. The long and short of it is, the products work and the business works with a money back guarantee on both!
The Happy Healthy Nonprofit: Linking Self-Care and Wellbeing to Impact Beth Kanter
This session is about how and why it is important to treat self-care and well-being as an organizational strategy and cultural norm. When self-care initiatives are treated as “extras” instead of being built right into the fabric of an organization’s culture, they are nothing more than a Band-Aid, barely disguising the underlying chronic stress and eroding the nonprofits ability to meet its mission. This session will share the latest thinking on well-being in the nonprofit workplace based on the presenter's book “The Happy Healthy Nonprofit: Strategies for Impact without Burnout.” Going beyond a narrow focus on physical health and wellness, the session will share examples and insights from nonprofits that have created and implemented a culture of well-being in the workplaces that supports results.
Explore the measures and metrics that aided the Snohomish County Health Leadership Coalition, in their search of a Strategic Focus and how the LiveHealthy2020 initiative came to be. Consider the ways that Snohomish County can work together and measure their success of a Countywide scale.
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.
These simplified slides by Dr. Sidra Arshad present an overview of the non-respiratory functions of the respiratory tract.
Learning objectives:
1. Enlist the non-respiratory functions of the respiratory tract
2. Briefly explain how these functions are carried out
3. Discuss the significance of dead space
4. Differentiate between minute ventilation and alveolar ventilation
5. Describe the cough and sneeze reflexes
Study Resources:
1. Chapter 39, Guyton and Hall Textbook of Medical Physiology, 14th edition
2. Chapter 34, Ganong’s Review of Medical Physiology, 26th edition
3. Chapter 17, Human Physiology by Lauralee Sherwood, 9th edition
4. Non-respiratory functions of the lungs https://academic.oup.com/bjaed/article/13/3/98/278874
Title: Sense of Smell
Presenter: Dr. Faiza, Assistant Professor of Physiology
Qualifications:
MBBS (Best Graduate, AIMC Lahore)
FCPS Physiology
ICMT, CHPE, DHPE (STMU)
MPH (GC University, Faisalabad)
MBA (Virtual University of Pakistan)
Learning Objectives:
Describe the primary categories of smells and the concept of odor blindness.
Explain the structure and location of the olfactory membrane and mucosa, including the types and roles of cells involved in olfaction.
Describe the pathway and mechanisms of olfactory signal transmission from the olfactory receptors to the brain.
Illustrate the biochemical cascade triggered by odorant binding to olfactory receptors, including the role of G-proteins and second messengers in generating an action potential.
Identify different types of olfactory disorders such as anosmia, hyposmia, hyperosmia, and dysosmia, including their potential causes.
Key Topics:
Olfactory Genes:
3% of the human genome accounts for olfactory genes.
400 genes for odorant receptors.
Olfactory Membrane:
Located in the superior part of the nasal cavity.
Medially: Folds downward along the superior septum.
Laterally: Folds over the superior turbinate and upper surface of the middle turbinate.
Total surface area: 5-10 square centimeters.
Olfactory Mucosa:
Olfactory Cells: Bipolar nerve cells derived from the CNS (100 million), with 4-25 olfactory cilia per cell.
Sustentacular Cells: Produce mucus and maintain ionic and molecular environment.
Basal Cells: Replace worn-out olfactory cells with an average lifespan of 1-2 months.
Bowman’s Gland: Secretes mucus.
Stimulation of Olfactory Cells:
Odorant dissolves in mucus and attaches to receptors on olfactory cilia.
Involves a cascade effect through G-proteins and second messengers, leading to depolarization and action potential generation in the olfactory nerve.
Quality of a Good Odorant:
Small (3-20 Carbon atoms), volatile, water-soluble, and lipid-soluble.
Facilitated by odorant-binding proteins in mucus.
Membrane Potential and Action Potential:
Resting membrane potential: -55mV.
Action potential frequency in the olfactory nerve increases with odorant strength.
Adaptation Towards the Sense of Smell:
Rapid adaptation within the first second, with further slow adaptation.
Psychological adaptation greater than receptor adaptation, involving feedback inhibition from the central nervous system.
Primary Sensations of Smell:
Camphoraceous, Musky, Floral, Pepperminty, Ethereal, Pungent, Putrid.
Odor Detection Threshold:
Examples: Hydrogen sulfide (0.0005 ppm), Methyl-mercaptan (0.002 ppm).
Some toxic substances are odorless at lethal concentrations.
Characteristics of Smell:
Odor blindness for single substances due to lack of appropriate receptor protein.
Behavioral and emotional influences of smell.
Transmission of Olfactory Signals:
From olfactory cells to glomeruli in the olfactory bulb, involving lateral inhibition.
Primitive, less old, and new olfactory systems with different path
Basavarajeeyam is an important text for ayurvedic physician belonging to andhra pradehs. It is a popular compendium in various parts of our country as well as in andhra pradesh. The content of the text was presented in sanskrit and telugu language (Bilingual). One of the most famous book in ayurvedic pharmaceutics and therapeutics. This book contains 25 chapters called as prakaranas. Many rasaoushadis were explained, pioneer of dhatu druti, nadi pareeksha, mutra pareeksha etc. Belongs to the period of 15-16 century. New diseases like upadamsha, phiranga rogas are explained.
Integrating Ayurveda into Parkinson’s Management: A Holistic ApproachAyurveda ForAll
Explore the benefits of combining Ayurveda with conventional Parkinson's treatments. Learn how a holistic approach can manage symptoms, enhance well-being, and balance body energies. Discover the steps to safely integrate Ayurvedic practices into your Parkinson’s care plan, including expert guidance on diet, herbal remedies, and lifestyle modifications.
Title: Sense of Taste
Presenter: Dr. Faiza, Assistant Professor of Physiology
Qualifications:
MBBS (Best Graduate, AIMC Lahore)
FCPS Physiology
ICMT, CHPE, DHPE (STMU)
MPH (GC University, Faisalabad)
MBA (Virtual University of Pakistan)
Learning Objectives:
Describe the structure and function of taste buds.
Describe the relationship between the taste threshold and taste index of common substances.
Explain the chemical basis and signal transduction of taste perception for each type of primary taste sensation.
Recognize different abnormalities of taste perception and their causes.
Key Topics:
Significance of Taste Sensation:
Differentiation between pleasant and harmful food
Influence on behavior
Selection of food based on metabolic needs
Receptors of Taste:
Taste buds on the tongue
Influence of sense of smell, texture of food, and pain stimulation (e.g., by pepper)
Primary and Secondary Taste Sensations:
Primary taste sensations: Sweet, Sour, Salty, Bitter, Umami
Chemical basis and signal transduction mechanisms for each taste
Taste Threshold and Index:
Taste threshold values for Sweet (sucrose), Salty (NaCl), Sour (HCl), and Bitter (Quinine)
Taste index relationship: Inversely proportional to taste threshold
Taste Blindness:
Inability to taste certain substances, particularly thiourea compounds
Example: Phenylthiocarbamide
Structure and Function of Taste Buds:
Composition: Epithelial cells, Sustentacular/Supporting cells, Taste cells, Basal cells
Features: Taste pores, Taste hairs/microvilli, and Taste nerve fibers
Location of Taste Buds:
Found in papillae of the tongue (Fungiform, Circumvallate, Foliate)
Also present on the palate, tonsillar pillars, epiglottis, and proximal esophagus
Mechanism of Taste Stimulation:
Interaction of taste substances with receptors on microvilli
Signal transduction pathways for Umami, Sweet, Bitter, Sour, and Salty tastes
Taste Sensitivity and Adaptation:
Decrease in sensitivity with age
Rapid adaptation of taste sensation
Role of Saliva in Taste:
Dissolution of tastants to reach receptors
Washing away the stimulus
Taste Preferences and Aversions:
Mechanisms behind taste preference and aversion
Influence of receptors and neural pathways
Impact of Sensory Nerve Damage:
Degeneration of taste buds if the sensory nerve fiber is cut
Abnormalities of Taste Detection:
Conditions: Ageusia, Hypogeusia, Dysgeusia (parageusia)
Causes: Nerve damage, neurological disorders, infections, poor oral hygiene, adverse drug effects, deficiencies, aging, tobacco use, altered neurotransmitter levels
Neurotransmitters and Taste Threshold:
Effects of serotonin (5-HT) and norepinephrine (NE) on taste sensitivity
Supertasters:
25% of the population with heightened sensitivity to taste, especially bitterness
Increased number of fungiform papillae
- Video recording of this lecture in English language: https://youtu.be/kqbnxVAZs-0
- Video recording of this lecture in Arabic language: https://youtu.be/SINlygW1Mpc
- Link to download the book free: https://nephrotube.blogspot.com/p/nephrotube-nephrology-books.html
- Link to NephroTube website: www.NephroTube.com
- Link to NephroTube social media accounts: https://nephrotube.blogspot.com/p/join-nephrotube-on-social-media.html
Recomendações da OMS sobre cuidados maternos e neonatais para uma experiência pós-natal positiva.
Em consonância com os ODS – Objetivos do Desenvolvimento Sustentável e a Estratégia Global para a Saúde das Mulheres, Crianças e Adolescentes, e aplicando uma abordagem baseada nos direitos humanos, os esforços de cuidados pós-natais devem expandir-se para além da cobertura e da simples sobrevivência, de modo a incluir cuidados de qualidade.
Estas diretrizes visam melhorar a qualidade dos cuidados pós-natais essenciais e de rotina prestados às mulheres e aos recém-nascidos, com o objetivo final de melhorar a saúde e o bem-estar materno e neonatal.
Uma “experiência pós-natal positiva” é um resultado importante para todas as mulheres que dão à luz e para os seus recém-nascidos, estabelecendo as bases para a melhoria da saúde e do bem-estar a curto e longo prazo. Uma experiência pós-natal positiva é definida como aquela em que as mulheres, pessoas que gestam, os recém-nascidos, os casais, os pais, os cuidadores e as famílias recebem informação consistente, garantia e apoio de profissionais de saúde motivados; e onde um sistema de saúde flexível e com recursos reconheça as necessidades das mulheres e dos bebês e respeite o seu contexto cultural.
Estas diretrizes consolidadas apresentam algumas recomendações novas e já bem fundamentadas sobre cuidados pós-natais de rotina para mulheres e neonatos que recebem cuidados no pós-parto em unidades de saúde ou na comunidade, independentemente dos recursos disponíveis.
É fornecido um conjunto abrangente de recomendações para cuidados durante o período puerperal, com ênfase nos cuidados essenciais que todas as mulheres e recém-nascidos devem receber, e com a devida atenção à qualidade dos cuidados; isto é, a entrega e a experiência do cuidado recebido. Estas diretrizes atualizam e ampliam as recomendações da OMS de 2014 sobre cuidados pós-natais da mãe e do recém-nascido e complementam as atuais diretrizes da OMS sobre a gestão de complicações pós-natais.
O estabelecimento da amamentação e o manejo das principais intercorrências é contemplada.
Recomendamos muito.
Vamos discutir essas recomendações no nosso curso de pós-graduação em Aleitamento no Instituto Ciclos.
Esta publicação só está disponível em inglês até o momento.
Prof. Marcus Renato de Carvalho
www.agostodourado.com
NVBDCP.pptx Nation vector borne disease control programSapna Thakur
NVBDCP was launched in 2003-2004 . Vector-Borne Disease: Disease that results from an infection transmitted to humans and other animals by blood-feeding arthropods, such as mosquitoes, ticks, and fleas. Examples of vector-borne diseases include Dengue fever, West Nile Virus, Lyme disease, and malaria.
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NIFA-USDA SSHW Conference Presentation for employees-02-15-12 pptx
1. Small Steps to Health and Wealth™ (SSHW):
What You Think About, You Bring About!
Dr. Barbara O’Neill, CFP®
Rutgers Cooperative Extension
oneill@aesop.rutgers.edu
www.twitter.com/moneytalk1
2. Health and Finances Top
New Year’s Resolutions
• December 2011 Allianz Life Insurance
Company survey (N =1,000)
• Ranking of areas of life to focus on
– 45% related to diet and exercise
– 43% related to money management
2
4. Signature Program
Cooperative Extension's
major health finance initiative is
Small Steps to Health and Wealth™ (SSHW)
This program is designed:
• to motivate consumers
• to implement behavior change strategies
• that simultaneously improve their health and
personal finances.
4
6. Personal Introduction
• Extension Specialist in Financial Resource
Management at Rutgers University (NJ)
• Cooperative Extension employee for 34 years
• CFP® for 28 years
• Financial educator and author
• Co-author of SSHW program
6
7. “Street Cred”: I Lived SSHW
and “Walked the Talk”
• BMI of 27 (overweight) to normal weight
• Lost > 30 lbs. and 22% if body weight
• Fit physical activity into 3-hour R/T commute
• Continued wealth accumulation strategies
7
8. SSHW History
• Created by Barb O’Neill/Karen Ensle in 2004
• Stresses small daily action steps
• Includes research-based recommendations
• Integrates health and personal finance topics
8
9. SSHW Web Site
http://njaes.rutgers.edu/sshw/
•Monthly Messages
•Monthly Finance Message: Keep Good Records for Health and Finances
•Monthly Health Message: Shopping Smart for the New Year
•Challenges
•SSHW Online Challenge
– Fall 2010 Daily Motivational Messages
– Spring 2010 Daily Motivational Messages
– Winter 2010 Daily Motivational Messages
•Printed SSHW Challenge Forms
•SSHW Challenge FAQs (22k PDF)
•Online Registration
•Register Your Health and Wealth Goals
•Share Your Success Stories
•Posters
•Are Your Savings Going Up in Smoke? (355k PDF)
•Eating Away at Your Future? (374k PDF)
•Is Your Lunch Eating Your Lunch? (318k PDF) 9
•Nibbling Away at Your Bottom Line? (276k PDF)
10. March 2004 HHS Press Release
“Consumers don’t need to go to extremes-- such as joining
a gym or taking part in the latest diet plan-- to make
improvements in their health. But they do need to get active
and eat healthier.”
“America needs to get healthier one small step at a time.
Each small step does make a difference, whether it’s taking
the stairs instead of an elevator or snacking on fruits and
vegetables. The more small steps we can take, the further
down the road we will be toward better health for ourselves
and our families.”
HHS Department Secretary Tommy G. Thompson 10
11. May 2003 National “Save For
Your Future” Campaign Booklet
“You may not need a lot of money to accumulate
meaningful savings. Thanks to compound interest, small
regular savings can add up over time. Because, with
compound interest, it’s not just your money that earns
interest-- your interest earns interest as well-- creating a
snowball effect. The longer you save, the more compound
interest works for you.”
11
12. This Presentation is About You!
• To improve your health/increase your wealth
• To identify personal health and wealth goals
• To identify small daily action steps
• To be motivated to apply SSHW strategies
• To improve your life 12
14. What are Your Health and
Financial Goals?
Health Goals Financial Goals
•? •?
•? •?
•? •?
•? •?
14
15. Similarities Between
Health and Personal Finances
• Problems develop gradually
• Less stigma due to increasing frequency
• Impacts job productivity, discrimination
• Lots of “jargon”
– Medical terms and directions
15
– Financial terms and acronyms
16. More Health-Wealth
Similarities
• Lack of limits causes problems
• Restrictions help avoid problems
• Drastic solutions have major drawbacks
• Need for routine check ups
• People want “quick fixes” 16
17. Longevity Connections
• Unhealthy lifestyle habits increase risk of
disease and early death
– “0” return on FICA tax contributions
• Research: Healthy people often spend
MORE on health care over their lifetimes
– More years of medical expenses
– Chronic disease in oldest years
– Long-term care expenses
17
Source: Do the Healthy Have Lower Lifetime Healthcare Costs? Journal of Financial Planning, July 2010, p. 14.
18. What are Other Ways That Health
and Wealth are Connected?
• ?
• ?
• ?
• ?
• ? 18
20. SSHW™ Framework: 25 Health & Wealth
Behavior Change Strategies
• Track Your Current Behavior
• Use Easy Frames of Reference
• Unload Your Childhood Baggage
• Automate Good Habits and Create Templates
• Put Your Mind To It
• Live “The Power of 10”
• Commit to Making a Change
• Take Calculated Risks and Conquer Fears
• Defy Someone or Defy the Odds
• Appreciate Teachable Moments and Wake-Up
• Think Balance-Not Sacrifice
Calls
• Control Your Destiny
• Weigh the Costs and Benefits of Changing
• Make Progress Every Day
• Step Down to Change
• Get Help and Be Accountable
• Kick It Up a Notch
• Meet Yourself Halfway
• Control Your Environment
• Say “No” to Supersizing
• Monitor Your Progress & Reward Success
• Convert Consumption Into Labor
• Expect Obstacles & Prepare For Relapses
• Compare Yourself With Benchmarks
20 • Set a Date & Get Started…Just Do It!
21. “The Jersey Diner Approach”
• Adopt strategies that work for you
• Choose 3 to 4 (max) strategies
21
24. Track Your Current Behavior
(Exercise, Eating, Spending, Saving)
• Use a pedometer:
– Determine current number of steps- then build up gradually
• Track foods eaten & calories consumed:
– Use a “Calorie Counter” book for unlabeled foods
• Track monthly income, expenses, cash flow
– Is your cash flow positive or negative?
– How can you adjust your cash flow?
24
25. Put Your Mind to It
• Successful performers “see” achievements before
they happen
• Visualize your health and wealth goal
• Remind yourself of previous successes
• Banish “weasel words” and replace with bold
declarations
25
26. Make Progress Everyday
Any small step to improve your
health or increase your wealth is
better than doing nothing!
26
29. Defy Someone or
Defy The Odds
• Make a bet and win it
• Prove someone wrong
• Stop being a statistic!
29
30. Think Balance-Not Sacrifice
• Need to balance intake and outgo
• Weight: Burn more calories than consumed
• Savings: Earn more money than spent
• Changing just one habit can have big impact
30
31. Meet Yourself Halfway
• Health: Decrease portion sizes by 1/3 to 1/2 and/or
increase exercise by 50%
– 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
31
32. Automate Good Habits
• Health: Routine health screenings, “points”
programs for weight loss, short programmed
workouts (e.g., Curves®), portion-controlled foods
• Finances: Dollar-cost averaging investment
deposits, employer retirement savings plan
deposits, automatic escalation of savings with pay
raises, direct deposit
32
33. Convert Consumption (Calories
and 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?
33
34. Step Down to Change
• Don’t cut out something completely
• Find a better alternative
Source: Dr. Alena Johnson, Utah State University 34
35. Compare Yourself With Benchmarks
• Health:
– Body Mass Index (BMI)
– Total cholesterol < 200 mg/dl
– 30 minutes of physical activity/day (> usual activity)
• Finances:
– Consumer debt-to-income ratio < 20%
– Age x gross income divided by 10 (net worth
formula in The Millionaire Next Door)
– Emergency fund of at least 3 months expenses
35
36. Live “The Power of 10”
• Lose 10% of body • Save $10 a week or
weight month
• Walk 10,000 •Invest 10% of your
steps/day gross income
• Eat 100 calories • Add $1/day ($10/day?)
less per day to credit card payments
•Invest some money in
• Exercise in 10-
stock (average 10%
minute intervals
return) 36
37. Kick It Up a Notch!
• Ramp up physical • Transfer credit card
activity balances to lower rate
• Work up to 10,000 • Automatically increase
steps/day savings at regular
intervals
• Increase fruits &
vegetables in diet • Add 1/12 of mortgage
payment (P & I) monthly
• Do more of anything
positive! • Do more of anything
positive!
37
39. Tangible Action Steps: Health
• Prepare more meals at home
• Tame the tube
• Right-size food portions
• Choose to move more
• Eat more fruits and vegetables
• Re-think your drinks
39
40. Tangible Action Steps: Finances
• Set tangible goals and take action
• “Find” money to save/invest
• Pay yourself first
• Practice tax avoidance
• Benchmark your progress (e.g., net worth)
• Get help when needed 40
41. Major Take-Away:
Focus on What You CAN Control
CAN’T Control CAN Control
• Speed of economic recovery • Healthy lifestyle
• Financial markets • Spending and saving habits
• Labor market/unemployment rate • Human capital investments
• Housing market • How you spend your time
• Employee benefit cutbacks
• Political environment
42. For More Health Information
• www.smallstep.gov
• www.eatright.org
• www.healthypeople.gov
• http://www.choosemyplate.gov/
• http://www.letsmove.gov/
• http://www.extension.org/families_food_fitness 42
43. For More Financial Information
• http://njaes.rutgers.edu/money
• www.AmericaSaves.org
• www.cfp-board.org
• www.powerpay.org
• www.mymoney.gov
• www.smartaboutmoney.org
43
• http://www.extension.org/personal_finance