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Risks of Testosterone Therapy Dr Mercola

At early morning hours, testosterone levels is at its peak. Exercise, fasting, nutrition and less stress are healthier choices when balancing your hormones and for a healthier adrenal glands.

  • The number of testosterone prescriptions have tripled over the past decade, causing researchers to sound the alarm that men may be abusing the hormone
  • The US Food and Drug Administration (FDA) has suggested that testosterone products should carry a warning label indicating a heightened risk for blood clots
  • Testosterone should only be given to men with persistent symptoms and unequivocally low testosterone levels, a condition known as hypogonadism
  • If you’re under the age of 45 and have erectile dysfunction, it would be wise to test your testosterone between 8-11 am for the most accurate measurement, as this is when your testosterone tends to peak
  • If you’re older than 45 and have erectile dysfunction, you can do the test anytime before 2 pm without misleading results, as recent research shows the testosterone cycle gets blunted with age

There’s a fair amount of controversy on the subject of testosterone replacement therapy. Some of the evidence suggests it may cause worrisome side effects (especially if you’re not actually deficient), including:

Thickening of the blood/blood clots Acne
Reduced sperm count Increased risk of heart disease
Increased risk of prostate cancer Male infertility10
Liver problems Male breast growth
Increased male pattern baldness Worsening of urinary symptoms

Nine More Ways to Naturally Increase Your Testosterone Levels

While I believe high intensity interval training is one of the most potent ways to optimize your natural hormone production, it’s certainly not the only way. The following strategies are also known to be quite effective:

Whole body vibration training (WBVT) Besides high intensity exercise, whole body vibration training using a Power Plate can also independently increase growth hormone levels. Like high intensity exercise, WBVT also works all three types of muscle fibers, and it does so more effectively and efficiently than straight cardio or weight lifting.

You can accomplish more from 15 minutes on the Power Plate than from an hour of traditional strength training. By stimulating your white muscle fiber, the Power Plate kick-starts your pituitary gland into making more growth hormone, which helps you build lean body mass and burn fat.

Lose excess weight by optimizing your diet If you’re overweight, shedding the excess pounds may increase your testosterone levels, according to recent research.15 Testosterone levels decrease after you eat sugar, which is likely because the sugar leads to a high insulin level, which is another factor leading to low testosterone.

The most efficient way to shed excess weight is to strictly limit the amount of sugar/fructose, grains (including organic grains) and milk (even raw) in your diet. (Milk has a sugar called lactose, which has been shown to increase insulin resistance, so it will be wise to avoid it if you are seeking to lose weight.)

Replace these dietary troublemakers with vegetables and healthy fats, such as organic pastured egg yolks, avocado, coconut oil, butter made from raw grass-fed organic milk, and nuts like almonds and pecans.

Saturated fats are essential for building testosterone. Research shows that a diet with less than 40 percent of energy as fat (and that mainly from animal sources, i.e. saturated) leads to a decrease in testosterone levels.16 My personal diet is about 70-80 percent healthy fat, and other experts agree that the ideal diet includes somewhere between 50-85 percent fat. I’ve detailed a step-by-step guide to this type of healthy eating program in my comprehensive nutrition plan, and I urge you to consult this guide if you are trying to lose weight.

Intermittent fasting Another effective strategy for enhancing both testosterone and HGH release is intermittent fasting. It helps boost testosterone by improving the expression of satiety hormones, like insulin, leptin, adiponectin, glucacgon-like peptide-1 (GLP-1), cholecystokinin (CKK), and melanocortins, which are linked to healthy testosterone function, increased libido, and the prevention of age-induced testosterone decline.
Consume enough, but not too much, zinc Zinc is important for testosterone production, and supplementing your diet for as little as six weeks has been shown to cause a marked improvement in testosterone among men with low levels.17 Likewise, research has shown that restricting dietary sources of zinc leads to a significant decrease in testosterone, while zinc supplementation increases it19 — and even protects men from exercised-induced reductions in testosterone levels.18

Along with protein-rich foods like meats and fish, other good dietary sources of zinc include raw milk, raw cheese, beans, and yogurt or kefir made from raw milk. If you decide to use a zinc supplement, stick to a dosage of less than 40 mg a day, as this is the recommended adult upper limit. Taking too much zinc can interfere with your body’s ability to absorb other minerals, especially copper, and may cause nausea as a side effect.

Optimize your vitamin D level Vitamin D, a steroid hormone, increases levels of testosterone, which may help boost libido. In one study,19 overweight men who were given vitamin D supplements had a significant increase in testosterone levels after one year.

To get your levels into the healthy range of 50-70 ng/ml, appropriate sun exposure is your best bet. If sun exposure is not an option, a safe tanning bed (with electronic ballasts rather than magnetic ballasts, to avoid unnecessary exposure to EMF fields) can be used.

As a last resort, a vitamin D3 supplement can be taken, but research suggests the average adult needs to take 8,000 IUs of vitamin D per day in order to elevate their levels above 40 ng/ml, which is the absoluteminimum for disease prevention. Furthermore, if you opt for a supplement, you also need to make sure you’re getting sufficient amounts of vitamin K2, as these two nutrients work together.

Ashwagandha This perennial herb is known as an adaptogen, which can help boost stamina, endurance, and sexual energy. Research published in 201020found that men taking the herb Ashwagandha experienced a significant increase in testosterone levels. It also promotes overall immune function, and can help increase your resistance to occasional stress.21

While some adaptogens are stimulants in disguise, this is not the case with Ashwagandha. It can give your morning exercise routine a boost, and when taken prior to bed, it can help you get a good night’s sleep as well. I recommend using only 100% organic Ashwagandha root, free of fillers, additives, and excipients, to ensure quality.

Saw palmetto Another supplement that can address certain symptoms commonly associated with low testosterone is saw palmetto. This herb may also help increase testosterone levels by inhibiting up-conversion to dihydrotestosterone.22 There are about 100 clinical studies on the benefits of saw palmetto, one of them being a contributed to decreased prostate cancer risk.

When choosing a saw palmetto supplement, you should be wary of the brand, as there are those that use an inactive form of the plant. Look for an organic supercritical CO2 extract of saw palmetto oil, which is dark green in color. Since saw palmetto is a fat-soluble supplement, taking it with eggs will enhance the absorption of its nutrients.

Astaxanthin (alone or in combination with saw palmetto) There is also solid research indicating that if you take astaxanthin in combination with saw palmetto, you may experience significant synergistic benefits. A 2009 study published in the Journal of theInternational Society of Sports Nutrition found that an optimal dose of saw palmetto and astaxanthin decreased both DHT and estrogen whilesimultaneously increasing testosterone.23
Have effective strategies to address stress During stress, your body releases high levels of the stress hormone cortisol, which blocks the effects of testosterone.24 Chronic stress, and subsequently elevated levels of cortisol, could mean that testosterone’s effects are blocked in the long term, which is what you want to avoid.

My favorite overall tool to manage stress is EFT (Emotional Freedom Technique). It’s a handy, free tool for unloading emotional baggage quickly and painlessly. Other common stress-reduction tools with a high success rate include prayer, meditation, laughter and yoga, for example. For more tips, see my article “10 Simple Steps to Help De-Stress.”

For Most Men, Testosterone Replacement Is Unnecessary

I know first-hand that low testosterone is not an automatic outcome of aging, provided you incorporate certain lifestyle strategies that can naturally boost your testosterone levels. High intensity interval exercises get top billing among them, but your diet is also an important factor, and certain supplements can be helpful adjuncts.

These strategies are part and parcel of an overall healthy lifestyle, so they also automatically reduce your risk of most chronic disease, including heart disease, which just so happens to be an adverse side effect of testosterone replacement therapy. For most men, the risks simply outweigh the benefits of testosterone therapy, and you’re far more likely to achieve optimal health by addressing lifestyle factors that brought on the symptoms of hormone dysfunction in the first place.

Suicide Rates Are High Among the Elderly by Paula Span

For most people, psychological well-being increases later in life, following a well-known U-shaped curve: people report less satisfaction in midlife and more at either end of the age spectrum. Paradoxically, though, suicide rates also rise sharply. Older white men, like Joseph Goeke, are particularly at risk.

Among Americans of all ages, 12.4 per 100,000 take their own lives each year, according to 2010 statistics from the Centers for Disease Control and Prevention. But among those over 65, the official number is 14.9, and suicide may be under-reported. Because of the stigma, “coroners will go to great lengths to call it something else,” said Patrick Arbore, founder and director of the Center for Elderly Suicide Prevention in San Francisco. “If it’s an overdose, they can call it an accident.”

Though suicides among older people have declined in recent decades, most likely as a result of improved screening and treatment for depression, they remain disturbingly high among men. Suicides by women decline after age 60, but the rate among men keeps climbing. Elderly white men have the highest rate: 29 per 100,000 over all, and more than 47 per 100,000 among those over age 85.

Why are suicide rates so high among seniors? We know that while older people make fewer suicide attempts than the young, they are far more likely to die from them, in part because they rely primarily on guns. “Younger people have more physical resilience and use less lethal means,” said Dr. Yeates Conwell, a psychiatrist at the University of Rochester Medical Center who has studied late-life suicide.

Moreover, depression is behind a majority of suicide attempts, and “a lot of older people have problems asking for help,” Mr. Arbore said. Depression can involve different symptoms in older patients, and “men are good at masking it, because we’ve been conditioned to believe it’s not O.K. to express emotional pain.”

Beyond mental illness, researchers have identified a cluster of other risk factors in late-life suicide, including physical illness and pain, the inability to function in daily life, fear of becoming a burden and social disconnection. “Things that remove older people from their social groups — bereavement, retirement, isolation — leave them vulnerable,” Dr. Conwell said.

Knowing that some readers here have announced that they want to end their lives if (or before) they are suffering, seeing that as an exercise of personal autonomy rather than mental illness, I asked both experts if they thought suicide could ever be a rational act. If life loses pleasure and meaning, with or without a terminal disease, can suicide be a legitimate response?

Both said, cautiously, that in certain situations, after a great deal of discussion and consideration, it could be — but that’s rarely what occurs.

“The proportion of older people who take their lives without a diagnosable mental illness is very, very small,” Dr. Conwell said. Because elderly suicide is generally a result of multiple factors — physical illness and depression and a recent loss, say — “if you change one of those parameters, it may tip the balance in favor of finding solutions that help you want to live.”

At the Center for Elderly Suicide Prevention, staff and volunteers handle 3,000 calls a month to the “friendship line” (a name deemed more acceptable to seniors than “suicide hotline”). They also place 3,500 outgoing calls to people considered isolated or otherwise at risk.

“We believe connections are what bind us to life,” Mr. Arbore said. “Just having the opportunity to talk might shift their view of the end, temporarily. It might not have to happen today.”

Such opportunities to talk, in ways tailored to older adults, should be more widely available than they are. (One resource is the Veterans Affairs Department’s Veterans Crisis Line.) Instead, the task of trying to recognize elderly depression and encourage treatment falls largely to primary care physicians and, of course, to family members, who should always take suicidal talk seriously. When a depressed and hopeless relative commits suicide, the family must cope not only with grief but often with guilt and unanswered questions.

“I’ve gone through years of being angry — ‘He chickened out, he bailed,’ ” Ms. Goeke said. “I’m someone who needs information to feel better. What did I miss? What was really going on?”

She joined the first eight-week support group for suicide survivors that Mr. Arbore’s center established. “I understand it better now,” she said of her father’s death, “but it makes me both furious and agonized that he was in such despair.” It also makes her determined “to go forward and really, really live.”

Now 60 and teaching music and movement in the Bay Area, Ms. Goeke takes particular pleasure in working with students in their 70s, 80s and 90s. “They tell me they’re happier now,” she said. “It’s exciting to be around older adults who are growing and healing.”

————-

For compassionate caregivers in the bay area, contact Motherhealth Inc 501c3, 408-854-1883 , motherhealth@gmail.com

The creative personality by Mihaly Csikszentmihalyi

  • Here are the 10 antithetical traits often present in creative people that are integrated with each other in a dialectical tension.

    1. Creative people have a great deal of physical energy, but they’re also often quiet and at rest. They work long hours, with great concentration, while projecting an aura of freshness and enthusiasm. This suggests a superior physical endowment, a genetic advantage. Yet it is surprising how often individuals who in their seventies and eighties exude energy and health remember childhoods plagued by illness. It seems that their energy is internally generated, due more to their focused minds than to the superiority of their genes.

      This does not mean that creative people are hyperactive, always “on.” In fact, they rest often and sleep a lot. The important thing is that they control their energy; it’s not ruled by the calendar, the dock, an external schedule. When necessary, they can focus it like a laser beam; when not, creative types immediately recharge their batteries. They consider the rhythm of activity followed by idleness or reflection very important for the success of their work. This is not a bio-rhythm inherited with their genes; it was learned by trial and error as a strategy for achieving their goals.

      One manifestation of energy is sexuality. Creative people are paradoxical in this respect also. They seem to have quite a strong dose of eros, or generalized libidinal energy, which some express directly into sexuality. At the same time, a certain spartan celibacy is also a part of their makeup; continence tends to accompany superior achievement. Without eros, it would be difficult to take life on with vigor; without restraint, the energy could easily dissipate.

    2. Creative people tend to be smart yet naive at the same time. How smart they actually are is open to question. It is probably true that what psychologists call the “g factor,” meaning a core of general intelligence, is high among people who make important creative contributions.
    3. The earliest longitudinal study of superior mental abilities, initiated at Stanford University by the psychologist Lewis Terman in 1921, shows rather conclusively that children with very high IQs do well in life, but after a certain point IQ does not seem to be correlated any longer with superior performance in real life. Later studies suggest that the cutoff point is around 120; it might be difficult to do creative work with a lower IQ, but an IQ beyond 120 does not necessarily imply higher creativity.

      Another way of expressing this dialectic is the contrasting poles of wisdom and childishness. As Howard Gardner remarked in his study of the major creative geniuses of this century, a certain immaturity, both emotional and mental, can go hand in hand with deepest insights. Mozart comes immediately to mind.

      Furthermore, people who bring about an acceptable novelty in a domain seem able to use well two opposite ways of thinking: the convergent and the divergent. Convergent thinking is measured by IQ tests, and it involves solving well-defined, rational problems that have one correct answer. Divergent thinking leads to no agreed-upon solution. It involves fluency, or the ability to generate a great quantity of ideas; flexibility, or the ability to switch from one perspective to another; and originality in picking unusual associations of ideas. These are the dimensions of thinking that most creativity tests measure and that most workshops try to enhance.

      Yet there remains the nagging suspicion that at the highest levels of creative achievement the generation of novelty is not the main issue. People often claimed to have had only two or three good ideas in their entire career, but each idea was so generative that it kept them busy for a lifetime of testing, filling out, elaborating, and applying.

      • Divergent thinking is not much use without the ability to tell a good idea from a bad one, and this selectivity involves convergent thinking.
      • Creative people combine playfulness and discipline, or responsibility and irresponsibility. There is no question that a playfully light attitude is typical of creative individuals. But this playfulness doesn’t go very far without its antithesis, a quality of doggedness, endurance, perseverance.

        Nina Holton, whose playfully wild germs of ideas are the genesis of her sculpture, is very firm about the importance of hard work: “Tell anybody you’re a sculptor and they’ll say, ‘Oh, how exciting, how wonderful.’ And I tend to say, ‘What’s so wonderful?’ It’s like being a mason, or a carpenter, half the time. But they don’t wish to hear that because they really only imagine the first part, the exciting part. But, as Khrushchev once said, that doesn’t fry pancakes, you see. That germ of an idea does not make a sculpture which stands up. It just sits there. So the next stage is the hard work. Can you really translate it into a piece of sculpture?”

        Jacob Rabinow, an electrical engineer, uses an interesting mental technique to slow himself down when work on an invention requires more endurance than intuition: “When I have a job that takes a lot of effort, slowly, I pretend I’m in jail. If I’m in jail, time is of no consequence. In other words, if it takes a week to cut this, it’ll take a week. What else have I got to do? I’m going to be here for twenty years. See? This is a kind of mental trick. Otherwise you say, ‘My God, it’s not working,’ and then you make mistakes. My way, you say time is of absolutely no consequence.”

        • Despite the carefree air that many creative people affect, most of them work late into the night and persist when less driven individuals would not. Vasari wrote in 1550 that when Renaissance painter Paolo Uccello was working out the laws of visual perspective, he would walk back and forth all night, muttering to himself: “What a beautiful thing is this perspective!” while his wife called him back to bed with no success.
        • Creative people alternate between imagination and fantasy, and a rooted sense of reality. Great art and great science involve a leap of imagination into a world that is different from the present. The rest of society often views these new ideas as fantasies without relevance to current reality. And they are right. But the whole point of art and science is to go beyond what we now consider real and create a new reality. At the same time, this “escape” is not into a never-never land. What makes a novel idea creative is that once we see it, sooner or later we recognize that, strange as it is, it is true.

          Most of us assume that artists—musicians, writers, poets, painters—are strong on the fantasy side, whereas scientists, politicians, and businesspeople are realists. This may be true in terms of day-to-day routine activities. But when a person begins to work creatively, all bets are off.

  1. Creative people tend to be both extroverted and introverted. We’re usually one or the other, either preferring to be in the thick of crowds or sitting on the sidelines and observing the passing show. In fact, in psychological research, extroversion and introversion are considered the most stable personality traits that differentiate people from each other and that can be reliably measured. Creative individuals, on the other hand, seem to exhibit both traits simultaneously.
  2. Creative people are humble and proud at the same time. It is remarkable to meet a famous person who you expect to be arrogant or supercilious, only to encounter self-deprecation and shyness instead. Yet there are good reasons why this should be so. These individuals are well aware that they stand, in Newton’s words, “on the shoulders of giants.” Their respect for the area in which they work makes them aware of the long line of previous contributions to it, putting their own in perspective. They’re also aware of the role that luck played in their own achievements. And they’re usually so focused on future projects and current challenges that past accomplishments, no matter how outstanding, are no longer very interesting to them. At the same time, they know that in comparison with others, they have accomplished a great deal. And this knowledge provides a sense of security, even pride.
  3. Creative people, to an extent, escape rigid gender role stereotyping. When tests of masculinity/femininity are given to young people, over and over one finds that creative and talented girls are more dominant and tough than other girls, and creative boys are more sensitive and less aggressive than their male peers.
  4. This tendency toward androgyny is sometimes understood in purely sexual terms, and therefore it gets confused with homosexuality. But psychological androgyny is a much wider concept referring to a person’s ability to be at the same time aggressive and nurturant, sensitive and rigid, dominant and submissive, regardless of gender. A psychologically androgynous person in effect doubles his or her repertoire of responses. Creative individuals are more likely to have not only the strengths of their own gender but those of the other one, too.
  5. Creative people are both rebellious and conservative. It is impossible to be creative without having first internalized an area of culture. So it’s difficult to see how a person can be creative without being both traditional and conservative and at the same time rebellious and iconoclastic. Being only traditional leaves an area unchanged; constantly taking chances without regard to what has been valued in the past rarely leads to novelty that is accepted as an improvement. The artist Eva Zeisel, who says that the folk tradition in which she works is “her home,” nevertheless produces ceramics that were recognized by the Museum of Modern Art as masterpieces of contemporary design. This is what she says about innovation for its own sake:
  6. “This idea to create something is not my aim. To be different is a negative motive, and no creative thought or created thing grows out of a negative impulse. A negative impulse is always frustrating. And to be different means ‘not like this’ and ‘not like that.’ And the ‘not like’—that’s why postmodernism, with the prefix of ‘post,’ couldn’t work. No negative impulse can work, can produce any happy creation. Only a positive one.”
  7. But the willingness to take risks, to break with the safety of tradition, is also necessary. The economist George Stigler is very emphatic in this regard: “I’d say one of the most common failures of able people is a lack of nerve. They’ll play safe games. In innovation, you have to play a less safe game, if it’s going to be interesting. It’s not predictable that it’ll go well.”
  8. Most creative people are very passionate about their work, yet they can be extremely objective about it as well. Without the passion, we soon lose interest in a difficult task. Yet without being objective about it, our work is not very good and lacks credibility. Here is how the historian Natalie Davis puts it:

    “I think it is very important to find a way to be detached from what you write, so that you can’t be so identified with your work that you can’t accept criticism and response, and that is the danger of having as much affect as I do. But I am aware of that and of when I think it is particularly important to detach oneself from the work, and that is something where age really does help.”

  9. Creative people’s openness and sensitivity often exposes them to suffering and pain, yet also to a great deal of enjoyment. Most would agree with Rabinow’s words: “Inventors have a low threshold of pain. Things bother them.” A badly designed machine causes pain to an inventive engineer, just as the creative writer is hurt when reading bad prose.

    Being alone at the forefront of a discipline also leaves you exposed and vulnerable. Eminence invites criticism and often vicious attacks. When an artist has invested years in making a sculpture, or a scientist in developing a theory, it is devastating if nobody cares.

    1. Deep interest and involvement in obscure subjects often goes unrewarded, or even brings on ridicule. Divergent thinking is often perceived as deviant by the majority, and so the creative person may feel isolated and misunderstood.
    2. Perhaps the most difficult thing for creative individuals to bear is the sense of loss and emptiness they experience when, for some reason, they cannot work. This is especially painful when a person feels his or her creativity drying out.
    3. Yet when a person is working in the area of his of her expertise, worries and cares fall away, replaced by a sense of bliss. Perhaps the most important quality, the one that is most consistently present in all creative individuals, is the ability to enjoy the process of creation for its own sake. Without this trait, poets would give up striving for perfection and would write commercial jingles, economists would work for banks where they would earn at least twice as much as they do at universities, and physicists would stop doing basic research and join industrial laboratories where the conditions are better and the expectations more predictable.
  • From Creativity: The Work and Lives of 91 Eminent People, by Mihaly Csikszentmihalyi, published by HarperCollins,

Creativity and Depression by Jake Coyle

Williams’ publicist has said he had recently fought severe depression. Williams himself had occasionally spoken about his struggles (“Do I get sad? Oh yeah. Does it hit me hard? Oh yeah,” he told Terry Gross in 2006) and funneled his fights with alcoholism and addiction into his act. He largely won his battles with substance abuse except for several relapses quickly followed by rehab, including a stint at Hazelden in Minnesota last month. His widow, Susan Schneider, added Thursday that Williams also was suffering from the early stages of Parkinson’s disease.

Those factors — along with his heart surgery several years ago — offer a slightly deeper understanding of Williams’ mental state in recent days and weeks. But his death also reinforces the long-held stereotype of the sad clown, the tortured funnyman.

Comedian Jim Norton responded to Williams’ death with an essay titled “Why the Funniest People Are Sometimes the Saddest” in which he noted that in his 25 years of performing stand-up, he knew eight comics who killed themselves.

“When I find a comedian I admire, my first thing is: What’s wrong with this person?” Norton says. “Guys that I’ve admired the most always had that cloud. And it wasn’t a purposeful or a pseudo-artist thing. It was a real thing that they were constantly combating. It was kind of a way to keep sadness or depression off of you, to be funny.”

Particularly since the likes of Lenny Bruce and Richard Pryor made stand-up into a more personal kind of truth-telling, many comedians have been drawn to the profession as a means for catharsis. Comedian Tig Notaro pushed stand-up perhaps further in this direction than ever before in a famous set in 2012. Days after being diagnosed with breast cancer, she hit the stage: “Hello. I have cancer. How are you?”

Nowhere has the intersection between comedy and psychological pain been more thoroughly plumbed than on Marc Maron’s podcast, which Maron began after he had suicidal thoughts. In lengthy, candid interviews with fellow comics, Maron has explored the often-troubled psychology that drives people to bare themselves before crowds night after night, feeding off the laughter.

Maron’s conversation with Williams from 2010 is one of his most naked interviews. In it, Williams called stand-up “the one salvation” and commented: “How insecure are we, how desperately insecure that (it) made us do this for a living?” He even riffed on his suicidal urges, doing a two-man routine between himself and his consciousness. Replaying the episode this week, Maron reflected: “He was a person with his own problems that he carried with him. And I think part of his genius came from the struggle with those problems.”

Studies have shown a correlation between creative minds and such problems. Nancy Andreasen, a leading neuroscientist and psychologist, co-wrote the first empirical study that proved the increased likelihood of mood disorder in creative people.

“There really is no question that there’s a statistical correlation of mental illness in highly creative people,” said Andreasen, who chairs psychiatry at the University of Iowa. She stressed, though, that mental illness is usually treatable — “It’s not a lifetime sentence,” she said — and that treatment “does not diminish their creativity.”

“The great misfortune is that mental illness is still so stigmatized,” said Andreasen, lamenting the lack of care for the mentally ill. “This probably could have been prevented, and it’s a terrible misfortune that it wasn’t.”

A recent study published in the British Journal of Psychiatry found that comedians are both highly extroverted and highly introverted and that they even show lower levels of traits associated with psychosis.

“Humor often requires the ability to ‘think outside the box’ or see unusual connections where others don’t, and this reflects, in a more muted form, the thought process and pattern seen in psychosis,” Victoria Ando said in an email.

But depression also doesn’t care what you do for a living. It can strike anyone, any time, regardless of success, income or fame. In “The Noonday Demon,” an award-winning, multi-disciplinarian “atlas” of depression, author Andrew Solomon wrote that his own depression hit hardest when his life was most in order: “All the excuses for despair had been used up,” he wrote.

Solomon says he hopes Williams’ tragic end serves as a “wake-up call.”

“We have to recognize that if you have depression and enormous wealth and success, the love of most of the people in America — you can have all of those things and still be subject to the ravages of depression,” Solomon said. “The tragedy is that he didn’t have any place to turn.”

Improv and sketch comic Chris Gethard has been particularly vocal about his own struggles with depression with the hope of helping others. Following Williams’ death, he posted a picture of himself taken after an earlier day spent crying in bed, labeling it: “This is the face of my mental illness.”

“All kinds of people get depressed — comedians just happen to be people that professionally deal with the manipulation of happiness, laughter and other positive emotions, so maybe it stands out more or gets more pronounced,” Gethard said.

Perhaps Williams’ death shouldn’t just be added to the sad list of comics who died too young, like John Belushi or Chris Farley, but should be taken as a lesson by the rest of us, the ones in the audience below the floor lights, that we should listen just as keenly to Williams in death as we did to him from the stage.

“It is our hope in the wake of Robin’s tragic passing that others will find the strength to seek the care and support they need to treat whatever battles they are facing,” said Schneider, Williams’ widow, “so they may feel less afraid.”

2014 Social Security Benefit of $2642 max per month

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Full deduction of $5.5k yearly contribution to your Roth IRA from your gross yearly income of $60k for single and yearly income of $95k for married. 

Traditional IRA: Required Min Distribution upon reaching 70.5 yrs and upon reaching 59.5 yrs , distribution is subject to income taxes except for the portion contributed to nondeductible contributions.  No penalties with IRA holder if you become disabled, purchased your first home ($10k limit), buy medical insurance, qualified educational expenses and at death.

Roth IRA is tax free withdrawal for first in and income last. Roth IRA must be owned for five years

Learn about social security benefits, qualified and non qualified index Annuities (no fees/no admin fees, guaranteed lifetime income) and tax advantaged retirement savings plan every Sat in Fremont and Mon-Friday in San Jose. Contact Connie Dello Buono CA Life Lic 0G60621 408-854-1883 motherhealth@gmail.com

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The one advice our 40-70 year olds have on health and money

A practical advice on money and health from 40-70 yrs of age

If the learning and dependent phase is from 0-25 yrs of age, 30-40 yrs of age is the working and building a family phase, the 40-70 yrs of age is the accumulation to build wealth stage and the last stage is the 70-120 yrs of age, the yearning age (wishing to be back to youth and start saving early and making less mistakes in finances and health).

What would be your advice on health and money to the younger generation, now that you are between 40-70 yrs of age?

What lessons would you impart to save our younger generation from the mistakes you made?

Would you tell them to buy a house as their first investment at the third year of their first job?

Would you advice them to buy stocks or index funds?

Would you advice them to use credit cards in everything?

Would you advice them to learn how to be a business man and build a career or business based on their passion and beliefs?

Would you advice them to see take care of their choices in food, lifestyle and material things that may contribute to the toxicity of their body and the environment?

Would your advice them to choose the right college degree and job?

Please share your ten cents and email them to motherhealth@gmail.com and put anonymous if you wanted to. Some of your answers will be included in an ebook. Please suggest a title for the ebook. The one advice our 40-70 year olds have on health and money.

Why you need a money coach? by Tood Trisidder

What Can You Expect From Money Coaching?

What exactly is money coaching, how is it different, and what should you expect if you decide to move forward?

Here’s what you can expect:

  1. Increased accountability through regular phone contact so that you maintain focus and accelerate results.
  2. Provides a step-by-step road-map to your goals that breaks overwhelming objectives into actionable tasks reducing confusion, risk and fear.
  3. Promotes self-confidence and skill mastery so that you can raise your investment skill level.
  4. Increased self-awareness for more effective decision making so that you work smarter – not harder.
  5. Increased congruence between stated objectives and daily thoughts, words, and actions so that you are more effective with your time and reduce wasted energy.
  6. Improved focus on activities that are most important rather than most urgent so that critical tasks get done.
  7. Provides a carefully engineered plan for achieving wealth so you can see how it all fits together and know for the first time it is realistically achievable.
  8. Provides a structure and process to stay on track and pull you forward toward your goals so that you persist long enough to succeed.
  9. Brings attention to things you’re not focusing on but really need to because they are costing you dearly.
  10. Provides a safe space for examining and overcoming present limitations and challenges so that you don’t get stuck.
  11. Provides a partner with experience to mentor you so that you can avoid the obvious mistakes and collaborate about best practices.
  12. It is not a quick fix: these are principle based strategies that work for a lifetime giving you enduring value.
  13. Goes beyond just money to focus on the important things in life like family, health and spirituality. It is a complete program balancing your whole life picture while providing a tangible financial result.
  14. It’s private time focused just on you and your agenda.
  15. Provides a path of true independence through education so that you grow free from coaching over time.
  16. Trains you to come to your own conclusions. It teaches you to fish rather than gives you a fish.
  17. You benefit from Todd’s depth of experience in finance, business, entrepreneurship, personal growth, and investing both in paper assets and real estate for accelerated learning.
  18. You learn from someone who has already walked the talk and faced similar challenges to what you will face.
  19. Provides a valuable resource to turn to when the inevitable doubts and obstacles get in the way.
  20. Provides someone who will be honest and critical in a good way – you get called to the carpet when necessary with directness but without judgment.
  21. Somebody you can talk to who can challenge you to take your life to the next level.
  22. Learn to live consciously.
  23. With money coaching the climb is steady and the growth consistent.
  24. Learn to be smarter at investment risk management so that your portfolio growth is more consistent.
  25. Provides someone who sees the forest while you cut down the trees.
  26. Someone to question you to play smarter without telling you what to do.
  27. Drives you to align your feelings so they are congruent with your actions.
  28. Increased self-awareness.
  29. Saves you time and money.
  30. Strengthens your financial foundation and tightens up your financial picture.
  31. Learn the art of negotiating.
  32. Takes the question mark out of your financial security.
  33. The immediate payout justifies the coaching fees: the long term payout is exponential.
  34. You finally follow through on the ideas you’ve always had.
  35. Clarity – through self-examination and guidance.
  36. Brings a unique dimension to life you don’t otherwise have: honesty, sounding board, openness, bluntness, confidential.
  37. Doesn’t give you the answers, but helps you find the answers.
  38. Become attuned to where your life is going and have a direction rather than living day-to-day blindly.
  39. Develop instinct and intuition over time – like having a “little Todd” in the back of your head.
  40. Make money by avoiding all the stupid moves you don’t take.
  41. Think about things you wouldn’t normally think about.
  42. An unusual relationship. Who else would you talk to about this stuff?
  43. Learn the value of persistence by direct experience of sticking with something until you succeed.
  44. A clear way to measure progress.
  45. Produces measurable results.
  46. Todd doesn’t bring his agenda to the call. He works with your agenda – it’s all about you.
  47. Take more action and get done in 2 years what might have taken 10.
  48. Grow and explore areas you never would have done on your own. Do what you wouldn’t normally do.
  49. Real world perspective.
  50. No bullshit, no sales-pitch, no hype, straight-forward, not airy-fairy. It’s grounded, realistic and practical.
  51. Things come to Todd easily that don’t come to you easily.
  52. Define your destination, design the plan, engineer the path, and know how you’re going to get there.
  53. Keeps you focused on the key things you have to pay attention to.
  54. It’s deep. You get to the root cause of the problem so that it never comes back again.
  55. Convenient scheduling so that it fits into your life rather than having to fit your life around it.
  56. More than pays for itself.
  57. Have a partner in the process because it’s more fun with a teammate than to do it all alone.
  58. An outside observer to get you out of your own head, see opportunities you overlooked, and make course corrections.
  59. A guide who helps you control work-life commitments rather than letting them control you.
  60. A teacher to increase your financial intelligence.
  61. A source providing access to hard-to-find knowledge and financial resources.
  62. Learn before making mistakes rather than learn by making mistakes.
  63. Challenge old, ineffective belief systems.
  64. Interactive, experiential process for growth.

Connie Dello Buono, money coach

408-854-1883 motherhealth@gmail.com

available 24/7 in 50 US states

Filipinos, the happiest people in the world

How would you know that you are in a Filipino party?

  • You’re an hour late and there’s still nobody there!
  • There’s enough food to feed the entire batallion or infantry.
  • You can not even get through the door because there’s a pile of 50 shoes blocking the way.
  • When you enter the house you see a piano, a huge fork and spoon on the wall, a framed picture of the Last Supper, a huge Santo Nino, and a barrel man (carved in Baguio).
  • You hear guests singing “Peelings” or “My Way” on karaoke.
  • You are greeted and hug by a Tita Baby and/or a Tito Boy.

  Cognac hennessy XO.jpg

  • There’s a goat or kambing ‘papait’ being warmed up and the men are already in their watering hole starting the ‘kilawen’ and ‘sisig’ pulutan with their favorite Blue Label or Hennesy XO drinks. Very cold San Mig Light or white wine is also served for those suffering from gout.
  • There’s a crazy fat woman with a camera going around the room snapping away and yelling, “Uy peeeek-chuuur for sobenir!”
  • You enter a family party and you “Mano” to half the old crowd and when you leave you have to say goodbye to EVERYONE that’s related to you as a sign of respect.
  • You end up saying hello and goodbye for a total of 30-40 minutes.
  • You will also hear an old male’s out-of-tune voice on the karaoke trying hard to imitate Frank Sinatra or Elvis Presley’s voice.
  • Uncles and Aunties are now doing the line dance – ‘Electric Slide’, ‘todo- todo’, etc., and do other ballroom dancing feats as if they are still in their teenage years.
  • Among the younger guests, there’s at least one or more with the name: JP, JJ, JT,TJ, DJ, AJ, RJ, LJ, Lingling, Ningning, Bingbing,Tingting, Dingding, Wengweng, Bongbong, Dongdong, etc.
  • All the old aunties and guests are already wrapping up food to take home while more guests are still coming.
  • You have the Pacquiao fight on the illegal cable boxes on the 70″ LCD in the movie room, the 10 yr-old 50″ CRT in the living room, the 15 yr-old 30″ tube in the breakfast nook, the 20 yr-old 15″ tube in the kitchen, the 30 yr-old 13″ tube in the garage and the little portable by the BBQ grill or gazebo because TVs are NEVER retired in a Filipino household, they merely get demoted or moved to whichever room doesn’t have a TV yet(hahaha), then it ends up in the balikbayan box to be sent to a relative back home, and it ends up being the main TV at the house living room again.
  • The aunties and other female guests are showing off their “designer” Louis Vuitton and Coach bags that they secretly bought at Divisoria, Tiangge or in a local swap-meet.
  • Someone is always in the kitchen constantly cleaning up, and you’re not sure if she’s the hired part-time maid or a relative, but you greet and kiss her on the cheek anyway.
  • Relatives/friends will ask you where you work and if it’s a retail job or if you work at an amusement park, they’ll ask if you can get them a discount or special coupon.

  • The lumpia is gone in 5 minutes and they are frying up another batch while the large Litson didn’t last 15 minutes and it looks like it was swarmed by hungry piranhas, even the apple in the pig’s mouth is missing.
  • What starts as a religious gathering turns into an illegal gambling set up by the end of the night!
  • Elder men are in the garage playing posoy-dos, or poker or 31, the women are in the kitchen gossiping, or are playing mahjong, the other people are in the entertainment room singing and dancing the night away, and the kids are outside playing.

ARE YOU NOT PROUD OF BEING A FILIPINO?

WE ARE THE MOST HAPPIEST PEOPLE IN THE WORLD!

 

What mobile app is next to go in the Billion dollar mark?

The industry’s rapid growth has already helped early investors make a killing. For example…

 •   InterActive Corp. acquired OkCupid for $50 million…

•   Caesar’s Entertainment Group bought Playtika for $100 million…

•   Rakuten, Inc. recently grabbed Viber for $900 million…

•   SoftBank Corp. scooped up 51% of Supercell for $1.53 billion…

•   Facebook acquired WhatsApp for an eye-popping $19 billion…

That’s because the mobile app industry has exploded into a full-blown money machine.  Please email me any ideas on how to be part of the action and get a piece of the pie. If you want to share your thoughts on how we can all prosper, we will be helping a lot to be financially free.

motherhealth@gmail.com
 

Index Funds Vs Managed Mutual Funds by G E Miller

Let’s take a look at index funds and compare them to actively managed mutual funds. It’s important to understand the distinction between the two, because you may have the option of both within your employer sponsored retirement plan. In order to truly understand index funds, you need to first take a step backwards and discuss what they are ‘cloning’ – stock market indices.

What is a stock market index?

Stock market indices measure the composite value of a group of stocks. Indices can be chosen through a set of rules or hand selected by committees. One of the more popular indices is the S&P 500, which is a committee selected group of 500 large cap (market value) stocks, mostly domestic, that are meant to resemble the market as a whole. Another example of a market index is the Russell 2000, which includes 2000 small cap stocks. You’ll also find indexes that measure different sectors of stocks such as international, health care, real estate, REIT’s, and just about any other way you can group stocks.

What is an Index Fund?

Index funds are a type of mutual fund that attempts to mimic the performance of a stock market index. Like a mutual fund, index fund share values are based on the net asset value of all of the stocks they have invested in. Rather than its holdings being regularly bought and sold through managed trades, index funds periodically change investments based on a set of rules or infrequent committee selected changes. A lot of them take the human decision element out completely.

The first index fund was created in 1975 by Vanguard founder John Bogle. Some believe that Bogle’s philosophy was based on the book A Random Walk Down Wall Street by Burton Malkiel, which argued that one cannot consistently outperform the market averages. To this date, Bogle (now retired from Vanguard) and Vanguard remain strong advocates for investing in index funds, and Vanguard is now the second largest mutual fund company in the world.

More recently, funds that follow indexes and trade on the stock market – ETF’s – are another passive index investment.

Why Index Funds are Better?

Proponents of index funds point towards data that shows that they consistently outperform their actively managed mutual fund peers due to the following reasons:

  • Usually they have lower management fees (because they aren’t actively managed).
  • They trade much less, so turnover ratio is lower. As a result capital gains taxes can be lower.

Comparing index funds to mutual funds often times will make them look favorable. There are mutual fund managers out there whose goal is to meet the market indexes, not consistently outperform them. Because they’re actively managed, their fees are higher and their turnover ratios are higher.  Also, in general, there are some horrible mutual fund managers out there. It makes sense to check their histories before you purchase any of their shares.

A Real Life Comparison of Index Funds versus Managed Mutual Funds

My opinion is that you should take advantage of what is offered to you. Vanguard is my employer’s 401K plan administrator and within my plan I have the option of both index and mutual funds. Let’s take a real life look at an index fund versus a comparable mutual fund within my 401K plan.

Index fund – Vanguard Total International Stock Index (VGTSX): expense ratio = 0.27%, no manager, has outperformed the MSCI EAFE international stock index in four out of the last five years.

Actively managed mutual fund – Artisan International (ARTIX): expense ratio = 1.21%, manager is Mark Yockey who started with the fund in 1995 (good longevity). ARTIX has only outperformed the MSCI EAFE international stock index in two out of the last five years.

The Results

Over the last five years, VGTSX has outperformed ARTIX with a total return of 146% to 100% (with almost 1% lower management fees). This is a significant difference. In this case, being presented with these two funds for international exposure, I would opt for the index fund (VGTSX) every time. However, if I was doing the same comparison within a personal IRA and had other actively managed options to choose from, I would do my research and look to see if I could find an alternate actively managed fund with a lower expense ratio, low turnover, a seasoned manager, and better returns than ARTIX and VGTSX. One needs to look no further than DODFX, which returned 189% over the same period of time, with a team of 9 managers and only a 0.66% expense ratio.

You’ll find a number of investors who invest solely in index funds because they buy into the Bogle rhetoric that index funds are superior in every way in the long run. In many cases, they are. However, there are always exceptions and you should do your homework.

If you have the option of choosing between the two, take a look at the results of the mutual fund managers available to you. When presented with limited options, I have opted for index funds. I’m starting to see the Bogle way, myself.

Clubalthea Wealth Management LLC, founding members needed

Dear All,

I would like to invite you all to form a company in the bay area who will serve the needs of its members and circles in the area of finance, wealth management, business coaching , health and life insurance, senior long term care, and finance and health education.

Anyone wants to volunteer their office space is welcome. Our first goal is on health and finance education.

We will ensure our members needs and wants in areas of finance and health are met first.

We welcome licensed insurance agents, CPA, estate planners, lawyers, and other business professionals who are leaving the high tech industry and wanting to pursue a business where their talents are rewarded and appreciated.

Please email Connie Dello Buono at motherhealth@gmail.com for your interests and what you can bring to the organization and your vision. 408-854-1883