Guest Post: Healthy Lifestyle Habits Can Prevent Dementia

The following is a guest post.  This post does not necessarily reflect the views of Suzanne and David E. McClendon, Sr. or Manian Debil Productions.

Healthy Lifestyle Habits Can Prevent Dementia

Chattanooga, TN, Nov. 27, 2018 ― Dr. Timothy R. Jennings speaks expertly on a subject that concerns over 5.5 million people across the nation: how to prevent dementia and keep our mind sharp as we age. A psychiatrist and international speaker, Jennings introduces his new book, recently rated #1 by Amazon in books on dementia, The Aging Brain: Proven Steps to Prevent Dementia and Sharpen Your Mind.

Dr. Jennings prescribes simple, everyday actions we can take to stave off disease, promote vitality, and prevent dementia and late-onset Alzheimer's. "The choices we make now can help us to keep our minds sharp and maintain our independence as we age,” says Jennings.

An easy-to-use guide to maintaining brain and body health throughout life, The Aging Brain is based on solid, up-to-date scientific research, and the interventions discussed can prevent progression toward dementia, even in those already showing signs of mild cognitive impairment. The recommendations also may help reduce disability and depression.

"This book isn't just for people hoping to slow the aging process,” says Jennings. "It's also for anyone who is a caregiver to someone at risk of or already beginning to suffer from dementia. It offers a hopeful, healthy way forward.”

Jennings, who maintains a private practice in Chattanooga, TN, has authored several books, including The God-Shaped Brain and The God-Shaped Heart. He is a Distinguished Fellow of the American Psychiatric Association and Fellow of the Southern Psychiatric Association, and is president and founder of Come and Reason Ministries.

For more information about Dr. Jennings, please visit the website: https://www.agingbrainbook.com.

To connect with Dr. Jennings, please visit: https://www.facebook.com/DrTimJennings/ and https://twitter.com/timjenningsmd.

The Aging Brain: Proven Steps to Prevent Dementia and Sharpen Your Mind

Baker Books

Released: June 2018

ISBN-10: 080107522X

ISBN-13: 978-0801075223

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Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.
  
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Guest Post: Five Holiday Spending and Saving Tips By Jeff Kreisler, Editor-in-chief of PeopleScience

The following is a guest post.  This post does not necessarily reflect the views of Suzanne and David E. McClendon, Sr. or Manian Debil Productions.

Five Holiday Spending and Saving Tips

By Jeff Kreisler, Editor-in-chief of PeopleScience

If we put our minds to it, we can collectively improve our financial decision-making. The most important step is being able to recognize our shopping mistakes and consider how we can avoid and correct them.

Here are 5 common mistakes we make during the holidays that will quickly turn us into The Grinch when our bills arrive.

1. We ignore opportunity costs

Think about transactions in terms of opportunity costs by considering more explicitly what we’re sacrificing for what we’re getting. For instance, we can translate dollars into time, how many hours of wages, or monthly salary, we must work to pay for everything in the end.

2. We mentally account

Holiday spending doesn’t feel like normal spending because it’s for a special occasion! As a result, we treat it differently than other spending and get carried away. The $200 you spend on a train set may be the same as the $200 you spend on heating bills. Budgeting can be useful but remember this simple principle: the money is yours and belongs to you.

3.   We avoid pain

Maintaining some pain of paying helps us at least consider the value of our options and the opportunity costs that lie within. The reduction in the pain of paying is a particular curse of Cyber Monday.  One-click sales and saved credit card information, all reduce the pain of paying. They make paying easier and make us less aware of our spending. The best solution for the pain of paying may be as simple as “don’t use credit cards.”  Realistically, we won’t suddenly stop using credit cards, but we should be skeptical of the latest technologies, especially those that are designed to demand less of our attention and make it easier for us to part with our money.

4. We trust ourselves

Trusting our past judgments, choices, and responses to prices is normally considered a good thing. That’s often not a good idea, particularly in the context of holiday spending. When it comes to spending, trusting past decisions contributes to the problems of anchoring and arbitrary coherence. In addition to questioning the prices others set, we should also question the prices we set ourselves. We should avoid doing something, just because we’ve always done it before. Let’s learn from our prior spending history: is a cinnamon latte really worth $5, is a cable bundle worth $140 per month, the answer is obvious, it’s the mental acuity it takes to get there that’s hard!

5. We overemphasize money

Prices are just one of the many attributes that signal the value of things. They’re not the only reason that matters. Don’t let someone else’s idea of value, that is, the price, be what you grab onto for salvation. A price is just a number, and while it can be a powerful part of a decision, it doesn’t, mean everything.

In general, holiday shopping requires research. Go online, investigate, ask around. With the massive amount of information available today we must take the initiative and arm ourselves with knowledge.

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Please be advised that all  information in the How to Manage Your Monkey Course is provided to educate, enlighten, and broaden your views in life.  

The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.  

Always consult a professional before you act on any of the information you find in this course.

Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances. 

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Guest Post: Santa Warns Kids to Start Doing Chores

The following is a guest post.  This post does not necessarily reflect the views of Suzanne and David E. McClendon, Sr. or Manian Debil Productions.

Santa Warns Kids to Start Doing Chores

Tis the season for helping out at home and sharing with people in need

Getting kids to clean their rooms and do other chores around the house is usually a constant battle for parents. But, very soon kids will be hard at work writing letters and making lists of the toys and games they hope to receive for Christmas creating the perfect opportunity for parents to re-motivate their kids. 

Santa and his elves will be watching to make sure those chores are getting done and that valuable lessons are being learned as well. For parents with a busy holiday schedule, follow these simple tips to get kids to help more around the house and keep them motivated year-round because Santa is always watching.

Make Like an Elf – It might be hard for kids to understand the concept of a job so put it in holiday terms. Santa and the elves are working hard to make the toys and games, so kids need to work hard to earn them. Treat their chores as their first job and an opportunity to start teaching them about spending, saving, donating and investing.

Divide Up Hosting Housework – Assign your children tasks that match their ages and skill sets to get the house ready for holiday guests. Make sure to give them a deadline to help teach time management and keep them focused. Pay them for the work they do and suggest they use the money to pay for small gifts for a family gift exchange.

Shovel Up the Savings – Broaden the concept of a “first job” for older kids by having them do chores for neighbors. You can either pay your kids for raking leaves and shoveling snow or talk to your neighbors about hiring your kids for a small amount. Have your kids put the money into savings and use this as an opportunity to teach them about the different types of interest that can be earned through savings accounts.

Spread Cheer – Going out of the way to help others during the holidays is in the spirit of the season. To teach kids the importance of helping others and make them feel like they are making a difference have them use part of their earnings from doing chores for a charitable donation or to buy gifts and food for families in need.

Stuff Stockings with Stocks – If you want your kids to help out with chores all year, not just during the holidays, give them a reason to be motivated. Adults work for a paycheck and kids will too, especially if their money starts growing in the stock market.

Gregg Murset, CEO BusyKid

The co-founder & CEO of BusyKid, Gregg is best known as the groundbreaking inventor of My Job Chart which grew to nearly 1 million members in four years. Gregg is a father of six and a certified financial planner and consultant who also became a leading advocate for sound parenting, child accountability and financial literacy.

Please Visit My Child Bride Suzanne's Blog

Please be advised that all  information in the How to Manage Your Monkey Course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course.

Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.
  
Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances. 

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit fromyour transaction, at no additional cost to you. Thank you for your support. 

Manian Debil Productions is a participant in the  AmazonServices LLC Associates Program, an affiliate  advertisingprogram designed to provide a means for sites to earnadvertising fees by advertising and linking to Amazon.com.

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Guest Post: Financial Advice For Gen Z: Avoid Mortgages, College Debt, Start Saving Now

The following is a guest post.  This post does not necessarily reflect the views of Suzanne and David E. McClendon, Sr. or Manian Debil Productions.

Financial Advice For Gen Z: Avoid Mortgages, College Debt, Start Saving Now

The oldest members of Generation Z have recently left college and entered the workforce. For some, learning how to handle their new money and expenses will be an education unto itself.

They can start by learning from the money-managing mistakes of previous generations, says financial management coach Tom Graneau, author of Pennies to Power (www.tomgraneau.com). He points out that most millennials, for example, aren’t doing a great job of saving money. About two-thirds of them, according to the National Institute on Retirement Security, have nothing saved toward retirement.

As a Baby Boomer who once went bust, Graneau says his past financial challenges are a reason he wants to help educate young people now on the pitfalls of over-extending financially. The worst financial mistake Graneau believes a young adult can make – and one he made – is buying a home.  

“The last thing you want to do is get into home ownership; I see home ownership as the No. 1 factor leading to financial negatives in our country,” says Graneau. “You have a country where the banking system, real estate system and government tells us to buy homes, yet most can’t really afford the mortgage long-term.

“Most of your mortgage payment goes only to interest the first few years. What they will pay in interest over the long run is mind-boggling, and it often dwarfs any equity they have in the home.”

Many millennials, however, buried in student loan debt – another thing Graneau says younger folks and families should avoid “at all costs” – are finding they can’t afford to be home owners. Forty-five percent of millennials’ income is spent on rent before they reach the age of 30, according to a study by Rent Cafe.

“That’s fine; they should rent as long as possible,” says Graneau. “You will never spend as much in rent as you will buying a house.” 

In the early 2000s, Graneau found himself in significant debt at the same time he was living stylishly and counseling families on how to overcome their financial issues.  

“The outside world thought I was doing fine, but I was as broke as those individuals I worked with,” Graneau says. “I was about 40 and I had to look at my situation deeply. My salary was stagnating, I was in a multi-million-dollar home and I realized I couldn’t pay that mortgage the rest of my life.

“I lost my job and lost my house. I started recovering by shedding as much debt as possible and saving as much money as possible.”

It was then he started investigating what’s wrong with America’s financial picture. Why are older folks so mired in the debt problem and depending mostly on Social Security? Why does each generation overextend on credit and so many live paycheck to paycheck. The problem, Graneau says, is largely traceable to a lack of financial education and discipline.

“Our society has done a poor job at teaching people how to save as well as construct a real budget and stick to it,” Graneau says. “It doesn’t emphasize limiting debt and saving money, and you see people with all this trouble.”

To Graneau, money problems most often can be traced to an inability or unwillingness to save. A lack of discipline is to blame more than a lack of funds, he says. He recommends putting away 15 to 20 percent per paycheck, or whatever a person can afford, then increasing when they can.

“It’s a hard lesson to portray to younger people,” Graneau says, “but we should never spend all of our paycheck. Always put some of it away.”

About Tom Graneau

Tom Graneau (www.tomgraneau.com) is the author of Pennies To Power. A 14-year U.S. Navy veteran, Graneau is a long-time financial management specialist and coach as well as a crisis manager. He came to the US at age 17 from Dominica, a small island in the Caribbean. Although the normal educational structure was inaccessible to him in Dominica due to family complications, he went on to earn bachelor’s and master’s degrees in business at the University of Phoenix.

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Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 

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Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.

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