How To Survive an Election Year Financial Meltdown

I am republishing this post about dealing with the recent highs and lows (mostly lows, sadly) of our economy. Last week's losses on Wall Street were the most for one week in the history of the New York Stock Exchange. Lots of people, fearful of losing more, may have joined in the panic and sold, sold, sold. I hope this was not the case. Today (Monday, 10/13/08) the Dow gained back almost half of those loses from last week, the highest one-day gain since 1933. As this post states, do no panic. Stocks historically go back up. I am not saying that the bad financial times are behind us, they are not. But what I am saying, again, is not to panic, practice patience, and enjoy the things in your life that you can control.

Please also enjoy:

How To Survive an Election Year Financial Meltdown

I know what some of you are saying, "Why should I listen to what you have to say about the economy? You're a self-help guy, who specializes in healthy lifestyle and personal development, as well as makes funny (goofy) videos and goofy (funny) parody songs."


Why? Because in dire times like these (seen the Business headlines recently?), during the most important presidential election of our lifetime, it takes a commonsense and practical approach to combat all the craziness going on out there.

Q: But, Mike, you write and make videos about diet and nutrition, motivation and how-to, what do you know about finances?

A: As much as the next guy, and more than enough to help you.

TEN THINGS YOU CAN DO TO SURVIVE THE ELECTION YEAR FINANCIAL MELTDOWN

1. DON'T PANIC

Wall Street seems to feed on panic--panic buying and panic selling. While others overreact and sell off their stocks and put their cash in safer investments, you don't need to follow suit. Unless you need the money from those investments right now, standing pat is still the best option. Why? Because stocks eventually ALWAYS come back up--this is a historical fact. And if they don't, then we're all in trouble. This too shall pass.

2. SIT ON IT

Rarely, as a self-help, fitness guru, do I suggest sitting back and doing nothing. But, in this case, go right ahead! Pass the popcorn and park it on the couch. Okay, you still need your daily exercise, but with regards to your money--LEAVE IT ALONE. Sit on it. In fact, the best advice that I hear the most from those that get paid to know this sort of thing is: DO NOT stop contributing to your 401k or IRA. Why? Right now stocks are cheap. When the market goes down, prices go down. The more stock you purchase NOW, at lower prices, the more you will have LATER, when the market stabilizes and goes back up. Think about it.

3. KISS (KEEP IT SIMPLE, SHERLOCK!)

Simplify your life. Cut back, spend less. Analyze what you NEED versus what you WANT. If you dine out 3-4 times a week, cut that in half. Do you really need satellite TV and radio? The recent trend now is stay-at-home vacations--you spend less on gas and airfare, while discovering local attractions you may have been missing, or avoiding, for years.

Bottom line: Simplify your life and save money.

4. TAKE A WALK

How much do you spend a year on that health club membership? Figure out a way to stay in shape at home, and cancel that costly membership. Walking is one of the least expensive, but most effective, ways to stay in shape. Plus, it gets you outside, and is good for the mind and spirit. In times like these, that's a good thing.

If you desire a more strenuous workout, look into purchasing dumbbells, a stationary bike or other equipment; whatever fits your specific needs. The initial investment may smart a little at first, but will more than pay for itself for years and years.

5. INVEST IN YOURSELF

While exercise and keeping fit are vital aspects of personal growth, don't stop there. Continue working on self-improvement and personal development all the time. livelife365.com offers hundreds of self-help videos that can change your life for the better, all free of charge and just a mouse-click away.

6. LISTEN TO YOUR BOSS

There is no place continued growth is more important right now than in the job market. Now is not the time to take your job for granted. Nor is it the time to mess up the job you have. Yes, keep that resume handy and continue networking and sharpening your skills so that you are more marketable. But you also need to keep your boss happy with your work. Work harder. Do the best job you can to make yourself indispensable. Most companies will have cutbacks and layoffs--YOU cannot control this. But you CAN control your effort, productivity, and attitude.

ALWAYS be in the TOP ranked twenty percent of good performers, not the bottom twenty.

Why? GOOD companies seldom layoff GOOD employees.

Be good, listen to your boss!

7. STOP AND SMELL THE FLOWERS

Enjoy yourself. Enjoy each day. Live life 365. This simply means to live your life every day in every way. Yes, times are tough, the economy is a mess, the world is a bigger mess, but you can still find a way to enjoy the little things in life that have nothing to do with the bigger things that are out of your control.

Every Day Every Way

8. GET YOUR HANDS DIRTY

Now is the time to roll up those sleeves and get to work. But you're already working on self and your job; what next? Go outside, dig up the garden. If you don't have a garden, start one. Landscape. Mow the lawn. Do house repairs, spring or fall cleaning. Learn a new (inexpensive) hobby. Do it yourself. Besides saving you a ton of money, DIY is good for the mind, body, and spirit. A sense of self-accomplishment goes a long way. And if you're picking ripe tomatoes off the vine, you're not worrying about Wall Street. Besides, growing your own will save you more money in the long run (and they taste so much better, too!). Can, bottle, preserve, or freeze whatever you can't consume now, and have a winter of homegrown, inexpensive veggies.

9. BALANCE YOURSELF

And your portfolio. The only movement you should be doing with your portfolio is rebalancing it. This simply means you need to take a look at your asset allocations. When there are sharp fluctuations in the stock market, your assets will also shift. But do me a favor, check with your financial consultant before you do anything.

As for you and YOUR balance: you should always be working on managing your Triad of Balance, the harmonic balance between Mind, Body, and Spirit.

10. VOTE FOR CHANGE


Now, more than ever, we need some major changes in Washington. If YOU do not like what is happening in YOUR life due to decisions made by our political leaders, YOU have the power to CHANGE it.

The current financial meltdown we are witnessing needs to be fixed. Fixed fast! We have the choice to keep on making the same mistakes that have led us here.

Or opt for CHANGE.

For the better.

I hope these tips help make dealing with these turbulent times a bit easier. And always remember that YOU have more power than you think to CHANGE your LIFE.

peace,

Mike

Eggplant, So Misunderstood

On those days (most days) when I am following my rigid, yet very effective, high-fiber diet, I often dream about eating other, tastier delicacies. You see, contrary to some popular opinion, I am a human being and not a robot conditioned and programmed for non-stop healthy living. Yes, I take pride in eating right, every day, as well as taking daily walks and engaging in all sorts of healthy activities. But, just like most of you, I, too, would love nothing better than to sink my teeth into decadence, often desiring to dump out my bowl of olive oil-laden veggies and nutritious salad and indulge in…what?

Well, as I mentioned earlier, I dream of my weekend “cheat treats” during those more challenging days of the regular week. And when I am not fantasizing about devouring a slab of my mom‘s lasagna, my mouth waters at the thought of another of my favorite Italian gourmet delights: Eggplant Parmesan.

I love eggplant. As a vegetarian, I am always in search of great veggies to add to the haul that I consume daily. Prepared correctly, eggplant parm, and eggplant in general, will melt in your mouth and send your taste buds to gastronomical heaven. As I said, I love eggplant, but didn’t always. Just the name connotes unsavory images.

Egg? Plant?

Yeech!

Like broccoli, mushrooms, onions, even olives, these were all foods, along with eggplant, that I refused to eat during my younger years. All foods, I might add, that I absolutely love now, as a somewhat-adult.

But eggplant? Is it a plant that grows eggs? Could that be possible? Who in their right mind would eat such an oddly named thing? Let’s explore this often misunderstood vegetable.

Eggplants grow on vines, like tomatoes. They are spongy in texture and slightly bitter tasting.

Sound yummy? No? Read on.

While eggplant has been around for thousands of years, it wasn’t always well liked by certain cultures. Because of its bitter taste, some thought it also had a bitter disposition: it was thought, at one time, to cause leprosy, cancer, and insanity. The good news is that has all changed. In fact, eggplant is loaded with phenolic compounds that function as antioxidants. Meaning that consumption of eggplant helps combat cancer, rather than causing it.

Eggplant is also a very good source of potassium and manganese, Vitamins B1 and B6, folate and magnesium. One cup also has 3 grams of fiber and 1 gram of protein. Besides those healthy antioxidants, regular consumption of eggplant has been found to help reduce bad cholesterol, fight heart disease, and improve cardiovascular health. Now all we need to do is find a few ways to eat it.

But first you need to buy a few. While eggplants come in many varieties, most of us are accustom to the fat purple variety that I am holding in my hand. To test for ripeness, gently press the skin and, if it is ripe, it should spring back. Store in a cool, but not too hot or too cold, place, and once you cut one open you should eat it soon--they perish fast. Now let’s dig in!

Besides being an amazing veggie in my favorite (sorry, mom) Italian dish, eggplant also tastes great baked, stir-fried, stuffed, and used in another dish that I love to eat: babaganoush.

Huh?

Babaganoush is similar to hummus in that it is a Middle Eastern spread and dip made with eggplant rather than chic peas (garbanzo beans). I use soy crisps or strips of pita bread to dip into these two tasty treats. As a spread or eaten with sticks of veggies (carrots, celery, cucumbers), babaganoush is an excellent way to add eggplant to your diet.

If you have been avoiding eggplant, like I once did as kid, just because it sounds strange, or have yet to try it because your ancestors told you it may cause leprosy (believe me, it doesn’t!), take my advice and give it a shot. If you love lasagna (and who doesn’t?) then try eggplant Parmesan. And if you are in the mood to try something different, then dip a chip into a bowl of babaganoush. Or scoop out the center of an eggplant, load it up with just about anything, cover with breadcrumbs and some cheese, and pop it in the oven. You will be amazed at how tasty this misunderstood veggie can be.

Until next time…

peace,

Mike

The Secrets of Flossing

Habits often get a bad rap. Most of us, when someone mentions a habit, automatically think that they are talking about a bad habit. And, sadly, there are way too many bad habits that affect us in unhealthy ways. Smoking, excessive drinking, overeating, biting your fingernails, watching too much daytime TV talk shows, or even checking your blog stats every hour on the hour (I promise, I am working on it!). You get the picture.

But I am also pleased to report that, while we all are challenged with the ongoing struggles to overcome our bad habits, a good many of us also practice good habits. Here at livelife365 (this blog and my video site ), I am all about good habits; like daily exercise, healthy eating, positive reaffirmation, personal accountability, and balancing one’s life.

Psssst…want to know about a fast and easy habit that, when done correctly and daily, can add years to your life and save you money?

I’m talking about flossing.

For those of you visiting from another planet (Welcome!) or just recently rescued from a lifetime of living in the jungle or on a deserted island, flossing (from the ADA ) “ …removes food trapped between the teeth and removes the film of bacteria that forms there before it has a chance to harden into plaque. Toothbrush bristles alone cannot clean effectively between these tight spaces.”

If this still seems like an alien concept to you, watch this video. In it, I demonstrate how to correctly floss your teeth in one minute…give or take a few seconds.



I floss my teeth every day. It’s a good habit to get into. One of the many good habits that I encourage myself (and you) to practice to ensure long-term health benefits.

I am amazed by how many people that do not floss at all, let alone daily. And as the above video demonstrates, it only takes, literally, a minute out of your busy schedule.

Hey, calm down there, tiger! Why so adamant, huh?

Deep breath, Mike. Ahhh…okay, much better now.

Why am I so adamant about flossing your teeth every day?

Here are some of these amazing benefits of daily flossing, right from the dentist’s mouth:

* helps remove debris and the plaque that collects between your teeth. This helps clean hard-to-reach tooth surfaces and reduces the likelihood of gum disease and tooth decay.
* makes your breath smell better
* polishes your teeth (when you don’t floss, you only clean 60% of your teeth)
* may reduce the risk of diabetes, stroke, and heart attack
* saves you money, in the long run, by reducing medical and dental costs

I’m going to let you in on another little secret. For years, I did not floss my teeth. I’m not talking about skipping a few days here and there--I did not floss at all. And if that wasn’t bad enough, I wasn’t even going to the dentist for my regular checkups and cleanings. When I finally dragged my sorry self back into the dental hygienist’s chair, I was given not only a painful and bloody reminder of tooth and gum neglect, but an educational lecture, spoken from the heart (my hygienist, by the way, is a very talented saint), that changed my life.

Since that day, I’ve now become a flossing freak, a tooth and gum advocate, and a regular visitor to the dentist’s office.

Just like trying to do all that you can to find that thirty minutes each day to exercise, adding more fruit and veggies to your diet, or opting to pick up a book rather than the TV remote, dedicating ONE MINUTE of each day to flossing will enrich and change your life for the better.

Your dentist will be thrilled.
Your teeth and gums will be ecstatic.
And there’s a very good chance that you will add a few more happy, healthy years to your life.

Until next time…

peace,

Mike

What is Jicama?

Many of you may already know what jicama is, may already know how to correctly pronounce it, and my have actually had some contact with it. If that’s the case, congratulations on your acquired knowledge and worldliness--you are more than welcome to skip this next part. For those of you still clueless, here are a few clues: Jicama is: a) a tropical island in the southwestern part of the Caribbean b) a rare skin disease that turns the bottoms of your feet purple c) a popular spicy stew prevalent in Portugal d) an edible root, originally cultivated in South America The correct answer (and it should be no surprise for those familiar with my plethora of posts about diet and nutrition) is “d.” Jicama is a tasty, crispy, root vegetable, cultivated in South America for centuries. It is amazingly versatile, easy to prepare, and healthy for you. If you would like to learn how to pronounce jicama, or are just tired of reading, watch this video: Also known as the Mexican turnip or potato, jicama is used in many recipes south of the border. Its unique taste (a cross between an apple, potato, and water chestnut) and texture (crisp and smooth) make it one versatile veggie. Enjoy jicama: * raw, in sweet, fruit salads, or lettuce-based salads * sliced or Julienned to use with a dip * plain, eaten as a snack (squeeze of lime, some hot sauce) * diced and added to savory dishes: stews, soups, stir-fry * mashed as a side dish Once you taste jicama, you will ask yourself why you waited so long to try it. And more good news: it is loaded with fiber. One cup has about 6 grams of fiber, around 1 gram of protein, and contains less than 50 calories. Jicama is also an excellent source of Vitamin C and potassium. Simple to prepare, you peel jicama like a potato, using either a peeler or paring knife, removing the fibrous skin. From there, depending on how you want to eat it, it can be easily sliced, diced, Julienned, or mashed. Like my late discovery of the avocado, I did not taste my first jicama until I was well into my twenties, thus missing out on years of epicurean enjoyment. Don't let this happen to you. The next time you’re cruising the produce section of your grocery store, look for jicama, and grab a couple. The good news: Jicama is not a rare skin disease that turns the bottom of your feel purple, but a versatile, nutritious, and fun vegetable that will delight you with its unique taste. Until next time… peace, Mike

Streeeeeetch Your Life

Before I take my daily walk, I do something that has helped me avoid injury, remain fit, and extend my lifetime warranty.

I STRETCH.

I perform a series of quick and simple stretching exercises that work all the muscles of my legs, from calf to hamstring. Watch this video to see my complete stretching routine.

STRETCH YOUR BODY

I have been on a steady exercise and walking program for decades and during that time I have not had one leg cramp or pulled muscle or any number of the injuries associated with the wear and tear of persistent pavement-pounding. Why? Because stretching works. Stretching warms up and loosens muscles and joints, better preparing you for the task at hand.


But don’t stop with merely stretching your legs or other body parts. Stretch the rest of your TRIAD (Mind, Body, Spirit).

I’ve demonstrated several ways how to stretch the BODY, now lets:

STRETCH YOUR MIND

I often stress the importance of feeding your brain as much intelligent food (data) as possible. All too often, the mind is consuming too much junk food, or bad data. We all know what happens, physically, when you eat too much junk food: you gain weight, consuming too much sodium, cholesterol, saturated fats and sugars, which causes heart disease, diabetes, obesity, cancer, and other health problems.

Instead, stretch your mind, feeding it good, healthy foods (data):

* Read, every day (“A Book a Week is All I Ask“). Stretch your mind by reading diverse topics, explore your weak areas that need developing, spanning all genres, utilizing every media available: newspapers, magazines, novels, non-fiction, self-help, how-to, blogs, and websites.

* Learn a musical instrument or a foreign language. This exercises different parts of your brain, stretching you further.

* Continue your formal education. Full-time or part-time, go for that AA, or BA, or BS, or MBA, or PhD. This will not only stretch your mind, but it’s also a valuable career asset.

* Pursue your autodidactic education.
An autodidact is a self-taught person, someone who continues his or her education through methods other than formal schooling. Never in history has there been more opportunity or information at your fingertips than today.

Stretch your mind, read every day, learn something new, explore the oceans of data available only a mouse-click away, while avoiding all the negative, unproductive junk food (data) that same mouse-click away. Your brain with benefit, just like your body, in the long run.

STRETCH YOUR SPIRIT

Spiritual fulfillment, or happiness, or just contentment, especially during challenging times like these, is as difficult to attain as it is essential in becoming he complete person we all strive to be.

If you possess great physical strengths and an exceptional intellect, yet remain unhappy, your Triad of Balance is lacking, incomplete. Besides feeling the pain of being out of balance, your are also spiritually bereft.

Stretch yourself spiritually:

* Give to charities, volunteer your time to worthy causes. By helping those less fortunate than yourself, you help yourself.

* Join local clubs or groups where you can interact with like-minded thinkers. Sharing thoughts, mingling, talking and laughing in a community setting go a long way toward improving your mental, happy health.

* Meditate, practice yoga. Relax the soul, and the body and mind will follow.

* Be positive, all the time. Easier said than done, but well worth the conscious effort.

*Perform random acts of kindness. Sometimes just a smile can make someone’s day.

* Believe in the goodness in yourself, and the basic goodness in the world.

* Keep the faith.

Stretching is good for you. On those days when I do not feel like taking my walk or exercising, I still put on my shorts or sweats and slowly ease my body into my stretches…and soon I begin to feel the soothing, comfortable healthy ache that motivates me into action.

Make stretching your Mind and Spirit as much of an everyday activity as stretching your Body.

The benefits will far outweigh the effort.

Until next time…

peace,

Mike

My Mom Makes One Mean Lasagna

During my recent visit Back East to, among other things, attend my brother‘s wedding, I also stumbled upon a serendipitous epiphany of gourmet delectability.

Huh?

Big words (just showing off) that merely mean: My Mom Makes One Mean Lasagna!

One Mean Vegetable Lasagna, that is.

I grew up in a half-Italian household, by that I mean an Italian household. If you know Italians, then you understand that they have a tendency to dominate a room…or a home. Gastronomically speaking, this is a good thing! The funny thing is, my mom is not the Italian in the family, she’s French. But by marrying an Italian man, she was bound by Sicilian and old Francis Ford Coppola Films tradition to learn, from a genuine Nana, how to make a
tomato sauce from scratch. And also how to please the garlic- and olive oil-loving palate of a gentleman with a vowel at the end of this last name. The good news: she more than passed the test; she excelled.

Have I mentioned: My Mom Makes One Mean Lasagna!

So, when I informed my mother that I would be taking that big (not that big, actually) jumbo jet in the sky back to her neck of the woods to be among family and friends to celebrate her youngest child’s nuptials, she naturally asked if she could cook something special for me. And I naturally requested her World Famous Lasagna…but with one catch.

Mike: Can you make me a vegetable lasagna?
Mom: Oh…I’ve never made one of those.
Mike: I know, that’s why I’m asking you. No meatballs.
Mom: Oh…you used to love my meatballs.
Mike: Yes, Ma, I did, but I’m a vegetarian now. Remember?
Mom: Oh…right. You can’t eat meatballs?
Mike: No meat, Ma. None. So, can you make a meatless lasagna?
Mom: Oh…I suppose. What kind of vegetables do you want?
Mike: Anything, surprise me.
Mom: Oh…
Mike: And no pork fat, please, in the sauce.
Mom: Oh…dear…what?
Mike: Mom?
Mom: Oh…but I always use pork fat.
Mike: Yes, I know. Can you use something else?
Mom: Oh…I suppose…
Mike: Mom?
Mom: Oh…
Mike: Mom?
Mom: Oh…

On and on it went until we agreed that olive oil would be a healthy and tasty alternative to the pork fat my mother usually adds to the saucepan in which to sauté the onions and garlic and whatever else she uses to start her World Famous Tomato Sauce.

During the weeks and days leading up to my trip Back East, my mother would call often, grilling me on my vegetable preferences.

Mike: Hello?
Mom: Michael, do you like mushrooms?
Mike: Huh?
Mom: For the lasagna.
Mike: Oh. Yeah, sure, love ‘em.
Mom: How about your brother?
Mike: Huh?
Mom: Do you think he’s allergic to them?
Mike: Huh?
Mom: Or his fiancée?
Mike: Huh?
Mom: How about eggplant?
Mike: Huh?
Mom: Cauliflower?
Mike: …

After numerous calls and some serious consideration of adding my mother’s phone number to my “no-call” list, we settled on what will from this point on be known as “The Masterpiece.”

I landed in my old state on a Monday and sat down to a small gathering of family and friends at mom’s house on a Tuesday. My salivary glands the only part of my body not suffering from jet lag, I watched with utter amazement as my tiny mother removed from the oven a tray of vegetable lasagna, slightly larger than some of the carry-on luggage I saw my fellow air passengers unsuccessfully trying to cram into the overhead bin.

Heaped upon a plate before me was a wedge of lasagna, roughly the size of my head while wearing a large hat. I dug in. It melted in my mouth. The veggies were cooked just right; not too crunchy or too limp. And the tomato sauce was the best ever: savory and vibrant. Without the overpowering (sorry meat-eaters) presence of the meatballs and pork fat, I could taste more of the tomato and garlic, which also brought out the succulent olio of flavor from the broccoli, mushrooms, cauliflower, and eggplant.


It was delicious!

It was “The Masterpiece.”

When I stated that my mom made one mean lasagna, I wasn’t kidding. Now I can emphatically add that:

My Mom Makes One Mean Vegetable Lasagna!

The moral of this story: For a healthier, tastier life, go veggie and hold the meatballs.

Until next time…

peace,

Mike

A Day of Fiber

Video Thursday

For the second Thursday in a row, I am featuring a video from my videography of over hundreds offered at my vid site, livelife365.com.

You may have heard me talk about the wonders of a high-fiber diet, and how I lost over 40 pounds in only 6 month using this method.

This video, "A DAY OF FIBER," shows what I eat during a typical weekday (I cheat a little on weekends, just to stay sane [and for the sake of my marriage]).

peace,

Mike