#diet meal plans delivery nyc

[thedietfantasy]

Benefits of a Healthy Diet Meals Delivery in New York City

Because of the obesity epidemic at an all-time high in the US — nearly 70% of Americans are overweight or obese — most of the people could benefit from losing weight. But, for numerous reasons, weight loss is a bit complex. Because, some people are tempted to select the “diet of the month” or a plan that they have read about online or heard about from friends and family. Unluckily, these diets are oftentimes not the most nutritious, and even with some weight loss, may not consequently improve health.

Hence, is there any advantage from enhancing the quality of one’s diet without weight loss? The answer would be yes. Three randomized clinical tests (the gold standard in nutrition research) have demonstrated that by enhancing what you eat, and getting diet meal delivered, you can improve cardiovascular risk factors, like high blood pressure, LDL (bad) cholesterol, and triglycerides, and better your health.

Read :Points to take into account when starting meal prep services in NYC

Consuming nutritious food every day should not be an overwhelming challenge. No matter it’s nutrition or exercise, you would like to keep it simple and convenient. Ordering meals from the diet fantasy can make life easier and keep you healthy all at once. Below are the reasons why you should use a diet meal delivery service.

Provides a Nutritious Diet

Buying the ingredients or shopping in a crowded grocery store is a nightmare for many people. Many healthy meals have a lot of ingredients. You definitely don’t want to spend more time in the grocery store avoiding wayward baskets. Consuming meals delivered gives you everything that you need without leaving the kitchen table. Even better, the company helps you choose healthy meals that are great for your lifestyle and availability of options will also be there.

Productive and Hassle-free

When trying to fit meal planning into a busy routine is a hassle. There would be something amazing about getting exactly what you want within a just few minutes. A few years ago, this comfort was only available when you bought fast food, which is not the case now. Breakfast, lunch and dinner can be delivered across the day, as soon as you give them a call for your order or order online. They can get you various plans that they have in breakfast, lunch and dinner, for quick choice to be made.

Read more:  Why choose diet food delivery?

Supports In Weight Management

You won’t be ashamed to admit that you need help managing how much food you eat. When the food is good in terms of nutrition and taste, you can eat too much. You do not have to worry about overeating when you get food from the diet fantasy. The company will only provide you the calories that you paid for when you ordered the meal. And there will be no possibility that you overeat when there is not any extra food on your plate.

Saves You Time

Just because of the reason that you use a NYC prepared food delivery service, it doesn’t mean you don’t know how to cook. Each and every great chef knows that finding ingredients is time-consuming. They only have 24 hours in a day, and they cannot waste time looking for exotic spices. You have more time to handle more important tasks when you don’t have to search for ingredients. Explore out the reel where you compare the difference when making a Bourbon steak dinner and something that is really healthy for you.

No More Leftovers or Food Wastage

The control is not always a problem for you but for many others as well. Many times, you also have the opposite problem. You cook enough food for a family when you don’t have guests. You know you are not the only one who uses the eyeball method to measure ingredients. 

When sometimes you use a delivery service, you don’t have to worry about wasting food. Everybody should enjoy the benefits of using a great meal delivery service. Get in touch with the diet fantasy to get your healthy diet meals delivered in a just no time and start enjoying the benefits of meal delivery service right now.

For more details, explore the site

[thelittlebeet]

3 Ways to Feel Great with Delicious Food

Food has a way of making life more enjoyable. It allows you to fuel your body and take on a new day. When you want to feel good about the food you eat, you may be quick to pick the “healthy” option. Yet, what can be healthy for someone else may not work for you. Your friend may feel animated and energetic after a sandwich. If bread can make you feel crumby, then even if a sandwich is filled with nutritious vegetables it may be a poor decision. Finding delicious meals and ingredients that can help you feel great both mentally and physically can be important to all aspects of your life. You can use some fool-proof techniques to power through your day and feel happy about the food choices you made.

Find a Reliable Restaurant If your schedule becomes busy and you don’t have time to meal prep, it can be a good idea to have a fast-casual restaurant you can rely on to provide you with nourishing foods. There are vegetarian restaurants in New York that have chef-created bowls with a variety of nutritious ingredients and irresistible flavors. Restaurants that cater to a range of alternative diet plans can help you fuel your body with the foods that can suit your needs, and even better if they have an app for ordering. Once you find a fast-casual restaurant that can consistently provide vegetarian-friendly foods in addition to exciting protein options, it may become your go-to online order for a quick bite. Pick Foods You Can Enjoy When you go grocery shopping or order food from a fast-casual restaurant, you can benefit from choosing foods you actually enjoy. This can help you feel better about the food you’re eating, even if it’s just a bowl of flavorful herbed rice and roasted chicken. You can focus on enriching your diet and with varied and flavorful, better-for-you foods when you’re ready. It may be hard to feel good in your body if you’re eating foods you don’t enjoy. Choosing foods that are both healthy and delicious is a great way to keep to your goals. Balance Your Nutrients When you take nutrients into consideration, it doesn’t mean you have to balance your macro count (unless that’s something that works for you). Balancing the nutrients in your diet can mean that you eat a variety of healthy foods from one of the vegetarian restaurants in NYC. You may choose to order quinoa with chicken and sauteed veggies one day and field greens with baked beet falafel on another. Both options can offer you micronutrients like vitamins and minerals, as well as macronutrients like carbohydrates, protein, and fats. What you eat in a day may play a big role in how you feel. You can support your body and your daily activities when you fuel yourself with a nutritious diet—and nutritious food can still taste good! You can find healthy and delicious foods at fast-casual restaurants that can cater to your specific diet. Prioritizing your health can be a matter of choosing what sounds tasty from a menu of wholesome foods. About Little Beet Little Beet is a fast-casual restaurant offering health-conscious chef-created bowls and build-your-own menu options. With vegetarian restaurants in Manhattan and various locations throughout New York, Little Beet can help you order food for pick-up and delivery that tastes great and helps your body feel great. You can customize your dish with their inclusive menu that features vegetarian, vegan, and Paleo diet options, including a selection of nutritious proteins like salmon and roasted chicken. Little Beet’s updated ordering app can make it easy for you to get wholesome food and earn points for exciting rewards. With Little Beet, you can expect greatness from the ground up. Fuel your life with delicious food and place your hassle-free order at https://order.thelittlebeet.com/

Original source: https://bit.ly/3rdzEvY

[littlebeettable]

4 Eating Hacks for Even the Busiest People

Following good eating habits sounds easy on paper, but it’s easy to fall back to old bad habits once the day gets started. If your days are filled with meetings, emails, reports, and other tedious tasks, eating every meal, let alone eating healthy, can be a challenge. Not to worry, as these four habits are perfect for busy people. Whatever your goal is, soon you’ll be making better choices without even thinking about it.

Don’t Overcomplicate It Diets or eating plans can work wonders for some people. They can also provide mixed results for others and can be complicated to manage. For the most part, many of the fad diets you see online require you to throw out everything in your fridge and start new. You don’t have time for that, so instead of complicating things with the “eat this, not that” approach, aim for simplicity. Seek out balanced meals with plenty of vegetables, fruits, and colorful ingredients. When you keep it simple, deciding what you should eat becomes easier, and you can eat better more consistently. Always Say Yes to Veggies You really can’t ever go wrong with saying yes to vegetables. Whether you’re going with a vegetarian-friendly dish or just substituting Brussels sprouts in for fries, every extra vegetable counts. If you’re looking for one trick to help you eat healthier, this is probably the one. You don’t even need to go out of your way, as the best Greenwich restaurants will be able to accommodate adding some vegetable variety to your plate. Follow an Eating Schedule Your schedule probably runs your day, and it’s pretty full. It might not be uncommon for you to find yourself jumping from one thing to the next so quickly you don’t have a chance for a healthy, wholesome meal. If you rarely have time during the day for more than a bag of chips, consider adding mealtimes to your calendar, and add the high-priority label. When you schedule healthy meals, you’ll have dedicated time throughout the day, and you can even plan what you’ll eat in advance. When you have a plan, you’re less likely to miss a meal or order takeout. Of course not all delivery and takeout is the same. Order Delivery From a Restaurant Known for Healthy Options Ordering takeout doesn’t need to be unhealthy. If you can find a local restaurant that specializes in vegetarian-friendly options and uses in-season, locally sourced ingredients, you have a new go-to delivery source without compromising. For example, if you’re in the New York City area, you can try Little Beet Table. Many claim they are the healthiest Park Avenue restaurant NYC offers, with a selection of wholesome meals available at the tap of a button. Check out your local area and find a convenient, healthy option for those days you’re too busy or tired to make something. About Little Beet Table Little Beet Table is the Park Avenue restaurant of choice for people seeking healthy, wholesome meals made with locally sourced, in-season ingredients. This upscale eatery has locations on Park Avenue in New York City and Greenwich Avenue in Greenwich, CT, with heated outdoor dining as well as takeout and delivery options. The Little Beet Table chefs are committed to using the best ingredients available, and it makes a difference. Take one look at the Little Beet Table’s menu, and you’ll probably see why people rate them as one of the best healthy restaurants NYC offers. At Little Beet Table, you’ll find dishes to satisfy every appetite for brunch, lunch, or dinner. From vegetarian-friendly options to burgers and tacos, there’s something for everyone on the Little Beet Table menu. Check out the Little Beet Table menu at https://www.thelittlebeettable.com/ Original Source: https://bit.ly/3roJkUB

[healthbolt-blog]

New Post has been published on Health bolt

New Post has been published on http://www.healthbolt.net/cooking/healthy-cooking-with-hamburger-meat/

Healthy Cooking With Hamburger Meat

Contents

-appreciated cooking tool—

Healthy living inspiration

Cup velveeta cheese

Ground beef enchilada zucchini

Healthy No Cook Camping Food Non-Cook Backpacking Meal Plan: 3 Days, 9 Meals, No Stove. Cooking is a pain… especially in the backcountry. The weight of the stove, pots and dishes always adds a couple pounds to your bag. That’s where foil packet meals come in. Aluminum foil is truly an under-appreciated cooking tool—all you have to do is … Either way, you’re always in for some major flavor, and this recipe is no dif… Light Healthy Cooking When you feel like "healthy" snacks can’t possibly branch past almonds and apples, there’s a creative recipe collection waiting to show you the light. Ahead we’ve rounded up 11 curated-cooking guidebo… As written, this soup is light. As light as this prescription from your Healthy Cooking columnist: Sip it from a mug while wa… Healthy Banana Bread From Cooking Light Nov 09, 2015  · What makes this banana bread healthy? This banana bread recipe is made with 100 percent whole wheat flour, unlike traditional banana bread recipes that call for refined flour and lots of processed sugar. This banana bread is naturally sweetened with honey or maple syrup, which offer some trace nutrients that white sugar … helpful, trusted answers from doctors: Dr. Lin on healthy banana bread recipe cooking light: Speakmto your physician and ask for a referral to a dietician who can supply you with aproper diet. healthy home cooked Meals Delivered Join the new food revolution of fresh food delivery at Muscle Meals Direct and enjoy our freshly prepared, nutritiously balanced and healthy meals delivered to your door or nearest pick up location weekly. green chef Those looking to make a home-cooked meal but also cut down on the amount of time spent running around grocery stor… In 2013, mother-and-daughter duo Didee and Jane Weare started We Are Food, selling frozen home-cooked meals from their garage in Umhlanga Rocks. As demand for their convenient but healthy food … wit… Quick-Fix Vegetarian: Healthy Home-Cooked Meals in 30 Minutes or Less (Quick-Fix Cooking) [Robin Robertson] on Amazon.com. *FREE* shipping on qualifying offers. featuring 150 delicious recipes, Quick-Fix Vegetarian provides both novice and longtime cooks with practical and robust vegetarian dishes that can be prepared in less time than it takes to have a pizza delivered. Healthy Ways To Cook Chicken Wings How to cook chicken wings How to Cook Chicken Wings … You may think of chicken wings as bar food, but these saucy babies are great for, say, … Join our newsletter for free recipes, healthy living inspiration, and special offers. Sign up . Get a Personalized Meal Plan. What To Cook Healthy Healthy Cooking Methods For Meat Meat is a staple food in many diets. It’s tasty, satisfying and is an excellent source of high-quality protein and other important nutrients. However, different cooking methods can affect the … whole chickens are another healthy convenience food. Most grocery stores offer a variety of seasoned chicken ranging from bar… healthy cooking lessons nyc fox 5 NY News streams daily. check the Live page to watch fullscreen and

The two organizations are using their combined resources to sponsor cooking courses based on … high school student donated …

Healthy Dorm Cooking Sick of the dining hall? You can make everything you’d ever want to eat — from healthy snacks to ‘gram-worthy desserts in your dorm room. Ingredients: 1/2 cup velveeta cheese, 1 tablespoon milk … She says this interdisciplinary academic track has provided her with the tools to help translate her zeal for healthy … and … Cooking Healthy For Your Family But no matter what your ideal solution looks like, in today’s reality, you’re likely to find that cooking healthy family meals at home is the best way to keep both your wallet and … Best Way To Cook Cauliflower Healthy “We’re going to put ourselves out there in a big way. That’s what we did.” While the meal prep service focuses on healthy … … Yep, this is a pizza crust made of vegetables. It might sound like something that your holistic-commune-dwelling, essential-oil-vaping, ultra-granola aunt came up with in a fever dream, but cauliflowe… We call this our our “best” baked oatmeal … these 31 recipes will help you go keto without sacrificing flavor. Collard Greens Make Way Better Wraps Than Lettuce Ever Could Collard Wraps make the per… The George Mateljan Foundation is a not-for-profit foundation with no commercial interests or advertising. Our mission is to help you eat and cook the healthiest way for optimal health. Healthy Ways To Cook Hamburger Meat the CDC is also urging people to wash their hands and any items that come into contact with raw ground beef with soap and water after use. Make sure to stay safe by following health officials’ recomme… Eating an Online Meat For Sale Oregon is an excellent way of being healthy and providing all the … there are various benefits attached to meat. So, purchase Ground Beef For Sale In Oregon from Orego… Chicken breasts are a healthy dinner go-to, but finding tasty new ways to make them can be difficult. This recipe from Dishin… The best and healthiest methods to cook meat are grilling, broiling or roasting without oil. Fat content is decreased because it flows out of the meat. Kebabs, meat grilled on skewers, are a great lean option. Stay away from frying and boiling. These methods keep fat in. How To cook healthy Food But even the home-baked varieties can be full of fat. For healthier cooking, try substituting applesauce for oil or butter.Swapping applesauce for oil will cut fat and cut calories, but it can also change the texture of your finished product. The substitution generally works best in muffins, bars or cake recipes. Healthy Home cooked meals delivered join the new food revolution of fresh food delivery at Muscle Meals Direct and enjoy our freshly prepared, nutritiously balanced and healthy meals delivered to your door or nearest pick up location weekly. green chef Those looking to make a home-cooked meal but also cut down on the amount of time spent running around grocery stor… In 2013, mother-and-daughter duo Didee and Jane Weare started We Are Food, selling frozen home-cooked meals

Requiring only five ingredients, this zoodle recipe could not be simpler. The zoodles are cooked together with garlic, butter …

Cooking Healthy For Your Family But no matter what your ideal solution looks like, in today’s reality, you’re likely to find that cooking healthy family meals at home is the best way to keep both your wallet and … Best Way To Cook Cauliflower Healthy “We’re going to put ourselves out there in a big way. That’s what we did.” While the meal prep service focuses on healthy … … Yep, this is a pizza crust made of vegetables. It might sound like something that your holistic-commune-dwelling, essential-oil-vaping, ultra-granola aunt came up with in a fever dream, but cauliflowe… We call this our our “best” baked oatmeal … these 31 recipes will help you go keto without sacrificing flavor. Collard Greens Make Way Better Wraps Than Lettuce Ever Could Collard Wraps make the per… The George Mateljan Foundation is a not-for-profit foundation with no commercial interests or advertising. Our mission is to help you eat and cook the healthiest way for optimal health. Healthy Ways To Cook Hamburger Meat the CDC is also urging people to wash their hands and any items that come into contact with raw ground beef with soap and water after use. Make sure to stay safe by following health officials’ recomme… Eating an Online Meat For Sale Oregon is an excellent way of being healthy and providing all the … there are various benefits attached to meat. So, purchase Ground Beef For Sale In Oregon from Orego… Chicken breasts are a healthy dinner go-to, but finding tasty new ways to make them can be difficult. This recipe from Dishin… The best and healthiest methods to cook meat are grilling, broiling or roasting without oil. Fat content is decreased because it flows out of the meat. Kebabs, meat grilled on skewers, are a great lean option. Stay away from frying and boiling. These methods keep fat in. How To cook healthy Food But even the home-baked varieties can be full of fat. For healthier cooking, try substituting applesauce for oil or butter.Swapping applesauce for oil will cut fat and cut calories, but it can also change the texture of your finished product. The substitution generally works best in muffins, bars or cake recipes. Healthy Home cooked meals delivered join the new food revolution of fresh food delivery at Muscle Meals Direct and enjoy our freshly prepared, nutritiously balanced and healthy meals delivered to your door or nearest pick up location weekly. green chef Those looking to make a home-cooked meal but also cut down on the amount of time spent running around grocery stor… In 2013, mother-and-daughter duo Didee and Jane Weare started We Are Food, selling frozen home-cooked meals from their garage in Umhlanga Rocks. As demand for their convenient but healthy food … wit… Quick-Fix Vegetarian: Healthy Home-Cooked Meals in 30 Minutes or Less (Quick-Fix Cooking) [Robin Robertson] on Amazon.com. *FREE* shipping on qualifying offers. featuring 150 delicious recipes, Quick-Fix Vegetarian provides both novice and longtime cooks with practical and robust vegetarian dishes that can be prepared in less

In this healthy ground beef recipe, ground beef patties seasoned with Turkish spices are cooked with eggplant, pepper, tomatoes and herbs to create a delectable stew. Serve the beef patties and vegetables over bulgur or brown rice to soak up all of the sauce.

Homestyle Ground Beef Casserole You’ve just found your new favorite ground beef recipe. Bianca Borges’ spiced salmon … drops by with just the dish to launch you into a new year of healthy eating: a …

50 Easy Ground Beef Recipes for Busy Nights. Move over, burgers and meatballs.

Ground beef, onion, green pepper, and ketchup are seasoned with garlic powder and sweetened with brown sugar to make this hearty meat filling. Serve on hamburger buns.

Ground beef is inexpensive and perfect for making dishes the whole family will enjoy. If you’re looking for some healthy ground beef recipes for everyday cooking, you’ve come to the right place. Ready …

Healthy Ways To Cook Chicken Breast Before diving right into world cuisine such as churrasco, Mediterranean or Asian, Pelton first walks the reader through the b… 17 Mediterranean Diet Chicken Recipes … to change your ways, but we are here to tell you that mixing up your chicken game i… Cooking Healthy For Your Family But no matter what your ideal solution looks like, in today’s reality, you’re likely to find that cooking healthy family meals at home is the best way to keep both your wallet and … Best Way To Cook Cauliflower Healthy “We’re going to put ourselves out there in a big way. That’s what we did.” While the meal prep service focuses on healthy … … Yep, this is a pizza crust made of vegetables. It might sound like something that your holistic-commune-dwelling, essential-oil-vaping, ultra-granola aunt came up with in a fever dream, but cauliflowe… We call this our our “best” baked oatmeal … these 31 recipes will help you go keto without sacrificing flavor. Collard Greens Make Way Better Wraps Than Lettuce Ever Could Collard Wraps make the per… The George Mateljan Foundation is a not-for-profit foundation with no commercial interests or advertising. Our mission is to help you eat and cook the healthiest way for optimal health. Healthy Ways To Cook Hamburger Meat the CDC is also urging people to wash their hands and any items that come into contact with raw ground beef with soap and water after use. Make sure to stay safe by following health officials’ recomme… Eating an Online Meat For Sale Oregon is an excellent way of being healthy and providing all the … there are various benefits attached to meat. So, purchase Ground Beef For Sale In Oregon from Orego… Chicken breasts are a healthy dinner go-to, but finding tasty new ways to make them can be difficult. This recipe from Dishin… The best and healthiest methods to cook meat are grilling, broiling or roasting without oil. Fat content is decreased because it flows out of the meat. Kebabs, meat grilled on skewers, are a great lean option. Stay away from frying and boiling. These methods keep fat in. How To cook healthy Food But even the home-baked varieties can be full of fat. For healthier cooking, try substituting applesauce for oil or butter.Swapping applesauce for oil will cut fat and cut calories, but it can also change the texture of your finished product. The substitution generally works best in muffins, bars or cake recipes. Healthy Home cooked meals delivered join the new food revolution of fresh food delivery at Muscle Meals Direct and enjoy our freshly prepared, nutritiously balanced and healthy meals delivered to your door or nearest pick up location weekly. green chef Those looking to make a home-cooked meal but also cut down on the amount of time spent running around grocery stor… In 2013, mother-and-daughter duo Didee and Jane Weare started We Are Food, selling frozen home-cooked meals from their garage in Umhlanga Rocks. As demand for their convenient but

ground beef enchilada zucchini Boats The best way to incorporate zucchini in your diet is to top it with with spicy enchilada sauce, ground beef, and cheese! Get the recipe at Joyful Healthy Eats .

Jun 09, 2015  · This healthy ground beef recipe is perfect for both veggie-lovers and meat-lovers. Packed with Brussels sprouts, carrots, and extra-lean ground beef and topped with warm biscuits, this easy recipe …

The classic meat-and-potato dish gets a healthy makeover with the use of lean ground beef and the addition of cauliflower in the creamy mash. Get the Recipe: Shepherd’s Pie Lettuce Cups with Tofu …

These four recipes will help satisfy decadent soup cravings without straying from the Whole30 plan. Prep time: 30 minutes Ing…

[rookbehr]

Soylent GreenChef

I’ve always struggled with food choices and emotional eating, often using food as a way to kill boredom, smother sadness, and connect with people (sitting & eating is easier than sports). I’ve been tortured by my weight my whole life. While I’d occasionally sink so low into depression that it would spur me back towards some sort of healthier trajectory, the yo-yo eventually drops back down and things don’t stick. Frankly, it’s a lot more comfortable to be fat than not. I travel for work a lot and that triggers all sorts of old habits. Life gets busy or I had a long day or whatever, and its easier to order in. And besides, its tough to maintain negatively driven motivation when when you’re happily married to and living with someone who accepts you and your body because they love you. Yeah, anyway. 

When living with my hubs, I always had to balance food and menu choices. I never felt right subjecting him to perfect versions of my diets du jour. So there was always snack food, alternative choices, sugar, ice cream, etc. And we would watch TV, get the false munchies, snack. 

Nutritional willpower is not my strong suit. It’s the suit I drop off at the cleaners and forget about until a last minute crush of dread as I realize they close in 5 minutes and I’m woefully underdressed and overfat. Oh well have a cookie. 

Rigidity in approach would help build habits, but rigidity and relationships don’t go together. But flexibility made it easy to waver when my willpower waned, and so the cycle continues. Now that I live alone, however, I can do all sorts of crazy things in my kitchen (food play, anyone?) and not impact anyone else (food+impact play, anyone?).

Plus, if I’m honest, I hate meal planning. It takes me a good couple hours, or else I’m just repeating the same things every other week. Worse than meal planning is the grocery story. I hate the grocery store. I hate mine in particular. I hate the people that go there, the managers, the selection, the utter disorganization, and the low quality vegetables. Gods it’s awful. When we lived in NYC I had groceries delivered to us via FreshDirect, and I still have some of the boxes and sigh in loving reverie when I see them in the attic. 

Enter GreenChef. Yet another meal kit delivery service which focuses on organic ingredients and is based in Denver. I actually applied to work there, but I think I accidentally insulted their CTO and didn’t get the job. Their loss, but good food. I'm using the vegetarian plan, and its tasty and filling. 

But GreenChef is only a few meals a week, and that leaves 14+ other meals that need to be dealt with. So what better than prepackaged pouches of ground up people nutritionally complete food powder. I’ve been intrigued by Soylent since they started, and now that I don’t have to plan around any one else’s preferences, I can subject myself to weird meals like Soylent Smoothies and whatnot. 

So far, the reaction to my Soylent experimentation has been “ew nasty” but I gotta say, it’s not bad! Actually it’s pretty good. I bought a bunch of fruit and veggies and some almond milk (via AmazonFresh, because, ugh grocery stores), and now I’m a couple days into this idea, and I’m actually impressed. I'll write the occasional update as I go 

I should say, I’m not doing some crazy fad crash diet. I’m being healthfully lazy. And I’m not going to live the rest of my life on Soylent and pre-diced dinners. This is more of a kickstart, and an experiment. I am working on my life in so many different facets and directions. This is an easy way to realign myself nutritionally without a lot of extra effort or—shudder—grocery stores.

So we’ll see how it goes, I guess.

[thedietfantasy]

With every one of your meals taken care of for the day by the diet food delivery service provider, week, or month, you can loosen up about your meal arranging. Furthermore, when you don't need to invest investment contemplating what to have for your morning meal, lunch, or supper, it takes an enormous burden off your dynamic exhaustion.

[samuelfields]

When Earning $1 Million A Year Isn’t Enough To Retire Early

We know that a $300,000/year household income is pretty middle class if you live in an expensive coastal city like San Francisco or Washington DC.

However, we can all agree that earning $1,000,000 a year or more makes you rich, especially since a top 1% income level starts at roughly $450,000. No household earning $1,000,000 or more should ever struggle unless they leveraged up and their investments imploded.

If you make $1,000,000 a year or more, you’re free to celebrate. Just don’t tell anyone lest you want an ax-wielding robber waiting for you in your living room after an evening of fine dining.

In this post, I’d like to explore the lifestyle of a typical $1 million income-earning household living in New York City. They’ve anonymously shared with me their expenses, and I’ve done my best to tell their story without sharing their exact details.

This post will give you a taste of what it’s like to make $1 million a year. You’ll also get to decide whether making $1,000,000 or more is truly worth the price.

Very Profitable To Make $1 Million A Year Now

After tax cuts were introduced in 2018, making more money has never been more profitable. Not only did the top federal marginal tax rate get cut from 39.6% down to 37%, the income threshold for the top federal marginal tax rate also rose from $418,400 to $500,000 for singles and from $470,700 to $600,000 for married couples.

So, if you’ve been wanting to make over $500,00 a year as an individual or $600,000 a year as a married couple, now is the time to do it. You’re essentially getting about a $15,000 federal income tax break if you make $1,000,000 now versus in 2017.

But as we are all well aware, the desire for money and prestige tends to corrode lives after a certain point. Once you make over $200,000 as an individual or $350,000 as a family, there is no additional happiness that accrues from making more money. Instead, lifestyle tends to deteriorate due to longer hours at the office, more stress, poorer physical health, and less family time.

Rachel Chen is one such person who doesn’t know whether the $1 million lifestyle is worth it. At 45, Rachel is one of several portfolio managers at a small hedge fund with $1.5 billion in assets under management. She toiled as a research analyst on the sell-side for six years before making the leap to buy-side analyst at 28. At 37, she was finally promoted to portfolio manager.

Rachel’s husband, Colin, 41, has been a stay at home dad since their second son was born in 2011. Colin used to make about $350,000 as a strategy consultant, but got tired of all the travel and decided to give up the grind, especially after Rachel started making more. Colin has been working on a non-fiction book to keep intellectually stimulated. But it’s hard to stay focused with the kids and his wife’s robust earnings.

Income Statement Of A $1 Million A Year Household

Let’s take a look at the Chen’s income statement.

Income And Tax Analysis

After maxing out her 401(k) and contributing $6,000 a year to her Health Savings Account, Rachel has a taxable income of $975,500. Her income is in the 37% federal marginal income tax bracket, and she pays an effective federal tax rate of 31%, or $302,405.

Given this household lives in New York City, they pay a State tax rate of 6.85% ($323,200+), and city tax rate of 3.87% ($500,000+). Their effective State and City tax is therefore around 10.71%, or $104,574.

Their total Federal + State + City tax bill a year equals $406,979.

As a W2 wage earner, there’s really no way around this enormous annual tax bill. Due to the SALT (State And Local Tax) limit of $10,000, high-income earners in high income tax states such as California, New York, New Jersey, Connecticut, Oregon, Minnesota, and Iowa lose out. Before 2018, the deduction was unlimited, but subject to Alternative Minimum Tax.

Even though the marriage penalty tax has been abolished for individuals earning up to $300,000 a year who decide to get married, the SALT cap limit of $10,000 is a marriage penalty tax. If you have two unmarried taxpayers both paying $10,000 in SALT, they will get an aggregate $20,000 when they file, whereas if they get married they suddenly lose $10,000 in deductions.

EXPENSE OVERVIEW

Private School Tuition – $100,000/Year

The couple forks out a hefty $100,000 a year for their two sons to attend The Dalton School. Tuition for the 2018 – 2019 school year is $48,450 a student, which includes books, computers/tablets, and lunch. Add a mere $1,550 for fundraisers and miscellaneous stuff and you’re at $50,000 per child.

Given mom and dad went to Yale University, they’d like their children to also go to Yale University. They know that Yale and all the prestigious private schools have a legacy system which gives children of alumni a huge leg up in admittance, no matter their racial or economic background. Some call this affirmative action for rich kids.

Although legacy children have a roughly 3X higher chance of getting admitted than nonlegacy students, there is an understanding that alumni should provide regular donations to stay in good standings. Therefore, Rachel and Colin together donate $5,000 a year.

Finally, the Chens also contribute a maximum gift limit of $60,000 combined to their children’s 529 College Savings Plan. They are fortunate to have paid off their student loans years ago.

Food And Entertainment – $4,583/month

New York City is the best city in America for food and entertainment. Although many in San Francisco might contest this claim, the entertainment part of the equation is truly second to none.

The classic mutton chop at Keens Steakhouse costs $60 before tip and tax. Add on a glass of Cabernet Sauvignon, some creamed spinach, wedge salad, and a 1/2 dozen fresh oysters, and we’re easily talking $150 per person. A meal at one of my favorite restaurants, Le Bernardin, will easily cost $600 for a couple with wine pairing. Have a look yourself.

Le Bernardin, one of my favorite NYC restaurants for $300/person

After a nice meal, the Chens like to hit up a Broadway show. Tickets range from $60 up to $1,500 on average for the latest hot show. But given they aren’t earning multi-millions, they often settle for $250 tickets at most. In other words, a date night out easily costs $1,000+. Good thing they only go to shows about once a quarter because they’re often too busy or too tired to do anything more than have a meal at their favorite local sushi restaurant for $150 total.

When the Chens are not eating out, they’re eating home delivery from GrubHub, or having a simple home cooked meal prepared by Colin. Living in the culinary capital of America is both a blessing and a curse. Both Rachel and Colin are constantly watching their diets and working out so they don’t die prematurely.

Housing – $9,749/month

They own a 5 bedroom, 3 bathroom, 2,700 sqft brownstone in Park Slope, Brooklyn they bought in 2012 for $2,000,000. It was a fortuitous time as their brownstone has appreciated by roughly 40% six years later.

When their first child was born in 2008, they had owned a $1.3 million, two bedroom, one bathroom condo on the Lower East Side then bought in 2004. They realized very quickly that they needed more space for two kids.

Below is an example of a current listing for $3,000,000 that is similar to theirs. 2,700 sqft is perfect for their family of four. They plan to live in the house until their youngest goes off to university in 11 years.

With a loan-to-value ratio of just 53%, they feel comfortable paying down a $1,500,000 mortgage on her $1,000,000 income. They locked in a 30-year fixed interest rate at 4% in 2013 and can comfortably afford the $7,161 monthly mortgage payment, $2,600 of which goes to paying down principal.

Unfortunately, they’ve also got to pay property tax of $17,556 and home maintenance expenses of about $10,000 a year. Things tend to break or leak with old brownstones. They didn’t truly realize how much more it would cost to maintain a larger home with outdoor space compared to their condo in Manhattan. With the SALT deduction capped at $10,000, they will be losing out on thousands of dollars of tax deductions.

Vehicles And Transportation – $2,842/month

Colin is a car enthusiast, and Rachel appreciates the utility and safety of an SUV for her kids. As a result, they own the newest Range Rover Velar and Porsche 911S. The P380 Dynamic Velar is leased for $850/month. The Porsche 911S costs $1,400/month.

The Chens drive their Velar to the Hamptons many weekends during the summer where they rent a vacation house with friends. Colin drives his Porsche to the country club to play golf a couple times a week while the kids are in school. It’s his way of staying in shape and socializing given most of his peers still work full-time jobs.

Range Rover Velar family car for the kids – $78,000

Vacations – $40,000/Year

The Chens take three vacations outside of New York City a year plus a combined week’s worth of local vacation scattered through the year.

Given Rachel works ~65 hours a week, vacations are extremely valuable to her so she can recharge and spend quality time with family.

Rachel has long felt a tremendous amount of guilt for being away from her kids for so long, but she also realizes she’s in an enviable position to maximize her career earnings while the stock market is still hot. Eventually, the market will turn and it will become much harder for her to outperform.

The Chens’ favorite vacation spots are mostly in Europe: Dubrovnik, Almalfi Coast, St. Tropez, Provence, and Mallorca are some of their top destinations. It’s easy to fly to Europe from the East Coast, but every other year, they’ll take a trip back to see extended family in Taiwan. They also love visiting Japan, Thailand, and Vietnam when they can arrange two consecutive weeks off.

Each international trip for a family of four costs rooughly $13,500 for the week. The cost can be broken down as follows: $4,000 – $6,000 for economy class flights, $4,000 – $5,000 for 7 nights at a five-star hotel, and $2,000 – $4,000 for food, excursions, and souvenirs.

The remaining $5,000 out of their yearly $40,000 vacation budget is allocated towards being a NYC tourist.

A villa they rented in Santorini, Greece for $5,000/week

Clothes For Four – $24,000/year

Rachel loves clothes and shoes, and Colin doesn’t mind dressing up nicely to match his lovely wife, although he prefers to wear athletic gear all day. As a fund manager who expects to be taken seriously in a male-dominated industry, Rachel dresses her position.

Her pantsuits from Gucci, Dolce, and Chanel easily cost between $2,000 – $3,500 each. On average, she buys one work suit once a year to keep her threads fresh, although sometimes she buys a couple during holiday sales.

With every power suit must come matching Manolo Blahniks or Jimmy Choos at the cost of between $800 – $1,000 a pair on average. Below is a regular black satin pump by Manolo for $995 before tax at Nieman Marcus.

After the pumps, Rachel must of course own a work-appropriate tote bag that can cost anywhere from $1,000 – $3,000. She prefers the understated Prada bags with their hard waterproof exterior. Below are some of her clothing examples.

High powered jobs come with high priced clothes

Given Colin is a stay at home dad, he doesn’t need to spend anything on work clothes. However, he does own and appreciate an array of finely cut blazers to go along with his designer jeans and button down shirts for when they go out. Each custom blazer costs between $1,000 – $1,500 on average. Designer jeans run between $180 – $300, and shirts from the likes of Thomas Pink can range from $80 – $250. He only has one watch, a stainless steel Royal Oak Audemars Piguet he bought for $16,000 years ago.

Charity – $25,000 / Year

The Chens feel extremely fortunate to be in their position as second generation Americans whose parents worked lower income jobs to put them through school. When you are given the opportunity to make it beyond your wildest dreams in the greatest country on Earth, the Chens feel it’s their duty to regularly give roughly 2.5% of their gross income to charity.

Rachel and Colin are particularly passionate about helping foster kids get through a difficult system in order to be given a fair chance at life. They know their sons are extremely fortunate to attend private school, and deep down they feel it is unfair that their kids can have so much, while other kids, through no fault of their own can have so little. Given they aren’t going to reduce their son’s opportunities, they’ve decided to use most of the 2.5% to help less fortunate youth.

Net Worth Summary

Rachel has a target of working for 15 more years until her youngest son graduates college. Once both kids are through college, this will free up roughly $200,000 a year in after-tax children related expenses, which is equivalent to roughly $340,000 in gross income based on their 41% effective total tax rate.

After 15 years, the Chens should be able to accumulate at minimum:

$277,500 in 401(k) plus $150,000 in profit sharing

$816,495 in after-tax cashh

$500,000 in principal pay down (leaving $1,000,000 left in mortgage)

For a base case net worth increase of roughly $1,600,000 without any appreciation in their investments or house. Assuming $106,666 in base case net worth growth over 15 years, no compensation increase during this time period, and a current $3,000,000 net worth, including the equity in their primary residence, the Chens will conservatively have a $10,000,000 net worth by the time their youngest graduates from college using a 6.2% annual growth rate. She’ll be 60 years old and he’ll be 58.

Once their brownstone is paid off, they’ll save an additional $86,000 a year in after-tax cash flow, equivalent to $145,000 gross based on a 41% effective tax rate.

Therefore, the Chens can afford to maintain their lifestyles earning just $500,000 a year once they no longer have mortgage debt or child expenses. With a $10 million net worth, all they would need to do is figure out some way to generate a 5% return to live a great retirement and never touch principal for the rest of their lives.

Not Sure If It’s All Worth It

On paper, everything looks great for the Chens. Yet, Rachel tells me she doesn’t know if it’s worth working 65 hours a week for the next 15 years. Even the finest lobster at Le Bernardin or the most picturesque luxury villa off the Almalfi Coast gets old after a while.

Rachel sees a therapist every other week to help her manage the constant pressure she feels to provide for her family, outperform her peers, and outperform the markets. The market takes no prisoners. She’s only as good as her last month’s performance. This type of pressure has begun to pulverize what little peace and quiet she has left inside. She’s also recently begun to develop heart palpitations, which has her worried.

Colin also sees a therapist once a month to help him get through his feelings of unworthiness for being a stay at home father. Although he’s truly a great dad, he often feels gutted to have given up his management consulting job. None of his friends, who all work, understand what he’s going through. He feels isolated and often depressed. Sometimes he gets jealous of Rachel’s success, which leads to bitter fights.

What Rachel misses most is spending time with her boys, who are growing up too fast for her liking. Like middle age, where she now has a greater sense of her mortality, she knows that she might only have 5-7 years left to spend time with her sons before they would prefer spending all their free time with their friends. Before she knows it, they’ll be off to college where she might be lucky to see them twice a year.

Rachel envies Colin’s time at home. Most of her girlfriends are stay at home moms who take turns hosting playdates when their kids are off. When they’re in school, they often go to brunch at Blue Water Grill with bottomless mimosas over mounds of freshwater oysters. Colin envies Rachel’s freedom and the thrill of working in the real world with power.

Unfortunately, the only way to live a freer life is to drastically reduce expenses, have Colin go back to work, change their lifestyle completely, or accumulate at least 20X their annual expenses in net worth. At their current $500,000 annual burn rate, Rachel will truly need to work another 15 years to finally experience the joys of financial freedom. But she’s not sure if she can afford to wait that long.

If I was Rachel, I’d either ask for a three-month sabbatical or dial back work to 40 hours a week for less compensation. Making $500,000 a year with less stress, fewer hours, and a lower effective tax rate sounds so much more reasonable. They’ll have to cut down on entertainment, clothes, and travel, but they’ll gain back so much more quality time as a family.

Related:

Here’s When You’ll Finally Feel Rich

Be Rich, Not Famous: The Joys Of Being A Nobody

The Average Net Worth For The Above Average Married Couple

Readers, do you think earning $1 million a year is worth the stress, long work hours, and time away from family? How long would you be willing to work for $1 million a year before you decide to retire early? What would you do if you were the Chens? I’ll record a podcast about this episode in a day or two after I read some feedback on this post. 

The post When Earning $1 Million A Year Isn’t Enough To Retire Early appeared first on Financial Samurai.

from Finance https://www.financialsamurai.com/when-earning-one-million-a-year-is-not-enough/ via http://www.rssmix.com/

[mcjoelcain]

When Earning $1 Million A Year Isn’t Enough To Retire Early

We know that a $300,000/year household income is pretty middle class if you live in an expensive coastal city like San Francisco or Washington DC.

However, we can all agree that earning $1,000,000 a year or more makes you rich, especially since a top 1% income level starts at roughly $450,000. No household earning $1,000,000 or more should ever struggle unless they leveraged up and their investments imploded.

If you make $1,000,000 a year or more, you’re free to celebrate. Just don’t tell anyone lest you want an ax-wielding robber waiting for you in your living room after an evening of fine dining.

In this post, I’d like to explore the lifestyle of a typical $1 million income-earning household living in New York City. They’ve anonymously shared with me their expenses, and I’ve done my best to tell their story without sharing their exact details.

This post will give you a taste of what it’s like to make $1 million a year. You’ll also get to decide whether making $1,000,000 or more is truly worth the price.

Very Profitable To Make $1 Million A Year Now

After tax cuts were introduced in 2018, making more money has never been more profitable. Not only did the top federal marginal tax rate get cut from 39.6% down to 37%, the income threshold for the top federal marginal tax rate also rose from $418,400 to $500,000 for singles and from $470,700 to $600,000 for married couples.

So, if you’ve been wanting to make over $500,00 a year as an individual or $600,000 a year as a married couple, now is the time to do it. You’re essentially getting about a $15,000 federal income tax break if you make $1,000,000 now versus in 2017.

But as we are all well aware, the desire for money and prestige tends to corrode lives after a certain point. Once you make over $200,000 as an individual or $350,000 as a family, there is no additional happiness that accrues from making more money. Instead, lifestyle tends to deteriorate due to longer hours at the office, more stress, poorer physical health, and less family time.

Rachel Chen is one such person who doesn’t know whether the $1 million lifestyle is worth it. At 45, Rachel is one of several portfolio managers at a small hedge fund with $1.5 billion in assets under management. She toiled as a research analyst on the sell-side for six years before making the leap to buy-side analyst at 28. At 37, she was finally promoted to portfolio manager.

Rachel’s husband, Colin, 41, has been a stay at home dad since their second son was born in 2011. Colin used to make about $350,000 as a strategy consultant, but got tired of all the travel and decided to give up the grind, especially after Rachel started making more. Colin has been working on a non-fiction book to keep intellectually stimulated. But it’s hard to stay focused with the kids and his wife’s robust earnings.

Income Statement Of A $1 Million A Year Household

Let’s take a look at the Chen’s income statement.

Income And Tax Analysis

After maxing out her 401(k) and contributing $6,000 a year to her Health Savings Account, Rachel has a taxable income of $975,500. Her income is in the 37% federal marginal income tax bracket, and she pays an effective federal tax rate of 31%, or $302,405.

Given this household lives in New York City, they pay a State tax rate of 6.85% ($323,200+), and city tax rate of 3.87% ($500,000+). Their effective State and City tax is therefore around 10.71%, or $104,574.

Their total Federal + State + City tax bill a year equals $406,979.

As a W2 wage earner, there’s really no way around this enormous annual tax bill. Due to the SALT (State And Local Tax) limit of $10,000, high-income earners in high income tax states such as California, New York, New Jersey, Connecticut, Oregon, Minnesota, and Iowa lose out. Before 2018, the deduction was unlimited, but subject to Alternative Minimum Tax.

Even though the marriage penalty tax has been abolished for individuals earning up to $300,000 a year who decide to get married, the SALT cap limit of $10,000 is a marriage penalty tax. If you have two unmarried taxpayers both paying $10,000 in SALT, they will get an aggregate $20,000 when they file, whereas if they get married they suddenly lose $10,000 in deductions.

EXPENSE OVERVIEW

Private School Tuition – $100,000/Year

The couple forks out a hefty $100,000 a year for their two sons to attend The Dalton School. Tuition for the 2018 – 2019 school year is $48,450 a student, which includes books, computers/tablets, and lunch. Add a mere $1,550 for fundraisers and miscellaneous stuff and you’re at $50,000 per child.

Given mom and dad went to Yale University, they’d like their children to also go to Yale University. They know that Yale and all the prestigious private schools have a legacy system which gives children of alumni a huge leg up in admittance, no matter their racial or economic background. Some call this affirmative action for rich kids.

Although legacy children have a roughly 3X higher chance of getting admitted than nonlegacy students, there is an understanding that alumni should provide regular donations to stay in good standings. Therefore, Rachel and Colin together donate $5,000 a year.

Finally, the Chens also contribute a maximum gift limit of $60,000 combined to their children’s 529 College Savings Plan. They are fortunate to have paid off their student loans years ago.

Food And Entertainment – $4,583/month

New York City is the best city in America for food and entertainment. Although many in San Francisco might contest this claim, the entertainment part of the equation is truly second to none.

The classic mutton chop at Keens Steakhouse costs $60 before tip and tax. Add on a glass of Cabernet Sauvignon, some creamed spinach, wedge salad, and a 1/2 dozen fresh oysters, and we’re easily talking $150 per person. A meal at one of my favorite restaurants, Le Bernardin, will easily cost $600 for a couple with wine pairing. Have a look yourself.

Le Bernardin, one of my favorite NYC restaurants for $300/person

After a nice meal, the Chens like to hit up a Broadway show. Tickets range from $60 up to $1,500 on average for the latest hot show. But given they aren’t earning multi-millions, they often settle for $250 tickets at most. In other words, a date night out easily costs $1,000+. Good thing they only go to shows about once a quarter because they’re often too busy or too tired to do anything more than have a meal at their favorite local sushi restaurant for $150 total.

When the Chens are not eating out, they’re eating home delivery from GrubHub, or having a simple home cooked meal prepared by Colin. Living in the culinary capital of America is both a blessing and a curse. Both Rachel and Colin are constantly watching their diets and working out so they don’t die prematurely.

Housing – $9,749/month

They own a 5 bedroom, 3 bathroom, 2,700 sqft brownstone in Park Slope, Brooklyn they bought in 2012 for $2,000,000. It was a fortuitous time as their brownstone has appreciated by roughly 40% six years later.

When their first child was born in 2008, they had owned a $1.3 million, two bedroom, one bathroom condo on the Lower East Side then bought in 2004. They realized very quickly that they needed more space for two kids.

Below is an example of a current listing for $3,000,000 that is similar to theirs. 2,700 sqft is perfect for their family of four. They plan to live in the house until their youngest goes off to university in 11 years.

With a loan-to-value ratio of just 53%, they feel comfortable paying down a $1,500,000 mortgage on her $1,000,000 income. They locked in a 30-year fixed interest rate at 4% in 2013 and can comfortably afford the $7,161 monthly mortgage payment, $2,600 of which goes to paying down principal.

Unfortunately, they’ve also got to pay property tax of $17,556 and home maintenance expenses of about $10,000 a year. Things tend to break or leak with old brownstones. They didn’t truly realize how much more it would cost to maintain a larger home with outdoor space compared to their condo in Manhattan. With the SALT deduction capped at $10,000, they will be losing out on thousands of dollars of tax deductions.

Vehicles And Transportation – $2,842/month

Colin is a car enthusiast, and Rachel appreciates the utility and safety of an SUV for her kids. As a result, they own the newest Range Rover Velar and Porsche 911S. The P380 Dynamic Velar is leased for $850/month. The Porsche 911S costs $1,400/month.

The Chens drive their Velar to the Hamptons many weekends during the summer where they rent a vacation house with friends. Colin drives his Porsche to the country club to play golf a couple times a week while the kids are in school. It’s his way of staying in shape and socializing given most of his peers still work full-time jobs.

Range Rover Velar family car for the kids – $78,000

Vacations – $40,000/Year

The Chens take three vacations outside of New York City a year plus a combined week’s worth of local vacation scattered through the year.

Given Rachel works ~65 hours a week, vacations are extremely valuable to her so she can recharge and spend quality time with family.

Rachel has long felt a tremendous amount of guilt for being away from her kids for so long, but she also realizes she’s in an enviable position to maximize her career earnings while the stock market is still hot. Eventually, the market will turn and it will become much harder for her to outperform.

The Chens’ favorite vacation spots are mostly in Europe: Dubrovnik, Almalfi Coast, St. Tropez, Provence, and Mallorca are some of their top destinations. It’s easy to fly to Europe from the East Coast, but every other year, they’ll take a trip back to see extended family in Taiwan. They also love visiting Japan, Thailand, and Vietnam when they can arrange two consecutive weeks off.

Each international trip for a family of four costs rooughly $13,500 for the week. The cost can be broken down as follows: $4,000 – $6,000 for economy class flights, $4,000 – $5,000 for 7 nights at a five-star hotel, and $2,000 – $4,000 for food, excursions, and souvenirs.

The remaining $5,000 out of their yearly $40,000 vacation budget is allocated towards being a NYC tourist.

A villa they rented in Santorini, Greece for $5,000/week

Clothes For Four – $24,000/year

Rachel loves clothes and shoes, and Colin doesn’t mind dressing up nicely to match his lovely wife, although he prefers to wear athletic gear all day. As a fund manager who expects to be taken seriously in a male-dominated industry, Rachel dresses her position.

Her pantsuits from Gucci, Dolce, and Chanel easily cost between $2,000 – $3,500 each. On average, she buys one work suit once a year to keep her threads fresh, although sometimes she buys a couple during holiday sales.

With every power suit must come matching Manolo Blahniks or Jimmy Choos at the cost of between $800 – $1,000 a pair on average. Below is a regular black satin pump by Manolo for $995 before tax at Nieman Marcus.

After the pumps, Rachel must of course own a work-appropriate tote bag that can cost anywhere from $1,000 – $3,000. She prefers the understated Prada bags with their hard waterproof exterior. Below are some of her clothing examples.

High powered jobs come with high priced clothes

Given Colin is a stay at home dad, he doesn’t need to spend anything on work clothes. However, he does own and appreciate an array of finely cut blazers to go along with his designer jeans and button down shirts for when they go out. Each custom blazer costs between $1,000 – $1,500 on average. Designer jeans run between $180 – $300, and shirts from the likes of Thomas Pink can range from $80 – $250. He only has one watch, a stainless steel Royal Oak Audemars Piguet he bought for $16,000 years ago.

Charity – $25,000 / Year

The Chens feel extremely fortunate to be in their position as second generation Americans whose parents worked lower income jobs to put them through school. When you are given the opportunity to make it beyond your wildest dreams in the greatest country on Earth, the Chens feel it’s their duty to regularly give roughly 2.5% of their gross income to charity.

Rachel and Colin are particularly passionate about helping foster kids get through a difficult system in order to be given a fair chance at life. They know their sons are extremely fortunate to attend private school, and deep down they feel it is unfair that their kids can have so much, while other kids, through no fault of their own can have so little. Given they aren’t going to reduce their son’s opportunities, they’ve decided to use most of the 2.5% to help less fortunate youth.

Net Worth Summary

Rachel has a target of working for 15 more years until her youngest son graduates college. Once both kids are through college, this will free up roughly $200,000 a year in after-tax children related expenses, which is equivalent to roughly $340,000 in gross income based on their 41% effective total tax rate.

After 15 years, the Chens should be able to accumulate at minimum:

$277,500 in 401(k) plus $150,000 in profit sharing

$816,495 in after-tax cashh

$500,000 in principal pay down (leaving $1,000,000 left in mortgage)

For a base case net worth increase of roughly $1,600,000 without any appreciation in their investments or house. Assuming $106,666 in base case net worth growth over 15 years, no compensation increase during this time period, and a current $3,000,000 net worth, including the equity in their primary residence, the Chens will conservatively have a $10,000,000 net worth by the time their youngest graduates from college using a 6.2% annual growth rate. She’ll be 60 years old and he’ll be 58.

Once their brownstone is paid off, they’ll save an additional $86,000 a year in after-tax cash flow, equivalent to $145,000 gross based on a 41% effective tax rate.

Therefore, the Chens can afford to maintain their lifestyles earning just $500,000 a year once they no longer have mortgage debt or child expenses. With a $10 million net worth, all they would need to do is figure out some way to generate a 5% return to live a great retirement and never touch principal for the rest of their lives.

Not Sure If It’s All Worth It

On paper, everything looks great for the Chens. Yet, Rachel tells me she doesn’t know if it’s worth working 65 hours a week for the next 15 years. Even the finest lobster at Le Bernardin or the most picturesque luxury villa off the Almalfi Coast gets old after a while.

Rachel sees a therapist every other week to help her manage the constant pressure she feels to provide for her family, outperform her peers, and outperform the markets. The market takes no prisoners. She’s only as good as her last month’s performance. This type of pressure has begun to pulverize what little peace and quiet she has left inside. She’s also recently begun to develop heart palpitations, which has her worried.

Colin also sees a therapist once a month to help him get through his feelings of unworthiness for being a stay at home father. Although he’s truly a great dad, he often feels gutted to have given up his management consulting job. None of his friends, who all work, understand what he’s going through. He feels isolated and often depressed. Sometimes he gets jealous of Rachel’s success, which leads to bitter fights.

What Rachel misses most is spending time with her boys, who are growing up too fast for her liking. Like middle age, where she now has a greater sense of her mortality, she knows that she might only have 5-7 years left to spend time with her sons before they would prefer spending all their free time with their friends. Before she knows it, they’ll be off to college where she might be lucky to see them twice a year.

Rachel envies Colin’s time at home. Most of her girlfriends are stay at home moms who take turns hosting playdates when their kids are off. When they’re in school, they often go to brunch at Blue Water Grill with bottomless mimosas over mounds of freshwater oysters. Colin envies Rachel’s freedom and the thrill of working in the real world with power.

Unfortunately, the only way to live a freer life is to drastically reduce expenses, have Colin go back to work, change their lifestyle completely, or accumulate at least 20X their annual expenses in net worth. At their current $500,000 annual burn rate, Rachel will truly need to work another 15 years to finally experience the joys of financial freedom. But she’s not sure if she can afford to wait that long.

If I was Rachel, I’d either ask for a three-month sabbatical or dial back work to 40 hours a week for less compensation. Making $500,000 a year with less stress, fewer hours, and a lower effective tax rate sounds so much more reasonable. They’ll have to cut down on entertainment, clothes, and travel, but they’ll gain back so much more quality time as a family.

Related:

Here’s When You’ll Finally Feel Rich

Be Rich, Not Famous: The Joys Of Being A Nobody

The Average Net Worth For The Above Average Married Couple

Readers, do you think earning $1 million a year is worth the stress, long work hours, and time away from family? How long would you be willing to work for $1 million a year before you decide to retire early? What would you do if you were the Chens? I’ll record a podcast about this episode in a day or two after I read some feedback on this post. 

The post When Earning $1 Million A Year Isn’t Enough To Retire Early appeared first on Financial Samurai.

from Money https://www.financialsamurai.com/when-earning-one-million-a-year-is-not-enough/ via http://www.rssmix.com/

[ronaldmrashid]

When Earning $1 Million A Year Isn’t Enough To Retire Early

We know that a $300,000/year household income is pretty middle class if you live in an expensive coastal city like San Francisco or Washington DC.

However, we can all agree that earning $1,000,000 a year or more makes you rich, especially since a top 1% income level starts at roughly $450,000. No household earning $1,000,000 or more should ever struggle unless they leveraged up and their investments imploded.

If you make $1,000,000 a year or more, you’re free to celebrate. Just don’t tell anyone lest you want an ax-wielding robber waiting for you in your living room after an evening of fine dining.

In this post, I’d like to explore the lifestyle of a typical $1 million income-earning household living in New York City. They’ve anonymously shared with me their expenses, and I’ve done my best to tell their story without sharing their exact details.

This post will give you a taste of what it’s like to make $1 million a year. You’ll also get to decide whether making $1,000,000 or more is truly worth the price.

Very Profitable To Make $1 Million A Year Now

After tax cuts were introduced in 2018, making more money has never been more profitable. Not only did the top federal marginal tax rate get cut from 39.6% down to 37%, the income threshold for the top federal marginal tax rate also rose from $418,400 to $500,000 for singles and from $470,700 to $600,000 for married couples.

So, if you’ve been wanting to make over $500,00 a year as an individual or $600,000 a year as a married couple, now is the time to do it. You’re essentially getting about a $15,000 federal income tax break if you make $1,000,000 now versus in 2017.

But as we are all well aware, the desire for money and prestige tends to corrode lives after a certain point. Once you make over $200,000 as an individual or $350,000 as a family, there is no additional happiness that accrues from making more money. Instead, lifestyle tends to deteriorate due to longer hours at the office, more stress, poorer physical health, and less family time.

Rachel Chen is one such person who doesn’t know whether the $1 million lifestyle is worth it. At 45, Rachel is one of several portfolio managers at a small hedge fund with $1.5 billion in assets under management. She toiled as a research analyst on the sell-side for six years before making the leap to buy-side analyst at 28. At 37, she was finally promoted to portfolio manager.

Rachel’s husband, Colin, 41, has been a stay at home dad since their second son was born in 2011. Colin used to make about $350,000 as a strategy consultant, but got tired of all the travel and decided to give up the grind, especially after Rachel started making more. Colin has been working on a non-fiction book to keep intellectually stimulated. But it’s hard to stay focused with the kids and his wife’s robust earnings.

Income Statement Of A $1 Million A Year Household

Let’s take a look at the Chen’s income statement.

Income And Tax Analysis

After maxing out her 401(k) and contributing $6,000 a year to her Health Savings Account, Rachel has a taxable income of $975,500. Her income is in the 37% federal marginal income tax bracket, and she pays an effective federal tax rate of 31%, or $302,405.

Given this household lives in New York City, they pay a State tax rate of 6.85% ($323,200+), and city tax rate of 3.87% ($500,000+). Their effective State and City tax is therefore around 10.71%, or $104,574.

Their total Federal + State + City tax bill a year equals $406,979.

As a W2 wage earner, there’s really no way around this enormous annual tax bill. Due to the SALT (State And Local Tax) limit of $10,000, high-income earners in high income tax states such as California, New York, New Jersey, Connecticut, Oregon, Minnesota, and Iowa lose out. Before 2018, the deduction was unlimited, but subject to Alternative Minimum Tax.

Even though the marriage penalty tax has been abolished for individuals earning up to $300,000 a year who decide to get married, the SALT cap limit of $10,000 is a marriage penalty tax. If you have two unmarried taxpayers both paying $10,000 in SALT, they will get an aggregate $20,000 when they file, whereas if they get married they suddenly lose $10,000 in deductions.

EXPENSE OVERVIEW

Private School Tuition – $100,000/Year

The couple forks out a hefty $100,000 a year for their two sons to attend The Dalton School. Tuition for the 2018 – 2019 school year is $48,450 a student, which includes books, computers/tablets, and lunch. Add a mere $1,550 for fundraisers and miscellaneous stuff and you’re at $50,000 per child.

Given mom and dad went to Yale University, they’d like their children to also go to Yale University. They know that Yale and all the prestigious private schools have a legacy system which gives children of alumni a huge leg up in admittance, no matter their racial or economic background. Some call this affirmative action for rich kids.

Although legacy children have a roughly 3X higher chance of getting admitted than nonlegacy students, there is an understanding that alumni should provide regular donations to stay in good standings. Therefore, Rachel and Colin together donate $5,000 a year.

Finally, the Chens also contribute a maximum gift limit of $60,000 combined to their children’s 529 College Savings Plan. They are fortunate to have paid off their student loans years ago.

Food And Entertainment – $4,583/month

New York City is the best city in America for food and entertainment. Although many in San Francisco might contest this claim, the entertainment part of the equation is truly second to none.

The classic mutton chop at Keens Steakhouse costs $60 before tip and tax. Add on a glass of Cabernet Sauvignon, some creamed spinach, wedge salad, and a 1/2 dozen fresh oysters, and we’re easily talking $150 per person. A meal at one of my favorite restaurants, Le Bernardin, will easily cost $600 for a couple with wine pairing. Have a look yourself.

Le Bernardin, one of my favorite NYC restaurants for $300/person

After a nice meal, the Chens like to hit up a Broadway show. Tickets range from $60 up to $1,500 on average for the latest hot show. But given they aren’t earning multi-millions, they often settle for $250 tickets at most. In other words, a date night out easily costs $1,000+. Good thing they only go to shows about once a quarter because they’re often too busy or too tired to do anything more than have a meal at their favorite local sushi restaurant for $150 total.

When the Chens are not eating out, they’re eating home delivery from GrubHub, or having a simple home cooked meal prepared by Colin. Living in the culinary capital of America is both a blessing and a curse. Both Rachel and Colin are constantly watching their diets and working out so they don’t die prematurely.

Housing – $9,749/month

They own a 5 bedroom, 3 bathroom, 2,700 sqft brownstone in Park Slope, Brooklyn they bought in 2012 for $2,000,000. It was a fortuitous time as their brownstone has appreciated by roughly 40% six years later.

When their first child was born in 2008, they had owned a $1.3 million, two bedroom, one bathroom condo on the Lower East Side then bought in 2004. They realized very quickly that they needed more space for two kids.

Below is an example of a current listing for $3,000,000 that is similar to theirs. 2,700 sqft is perfect for their family of four. They plan to live in the house until their youngest goes off to university in 11 years.

With a loan-to-value ratio of just 53%, they feel comfortable paying down a $1,500,000 mortgage on her $1,000,000 income. They locked in a 30-year fixed interest rate at 4% in 2013 and can comfortably afford the $7,161 monthly mortgage payment, $2,600 of which goes to paying down principal.

Unfortunately, they’ve also got to pay property tax of $17,556 and home maintenance expenses of about $10,000 a year. Things tend to break or leak with old brownstones. They didn’t truly realize how much more it would cost to maintain a larger home with outdoor space compared to their condo in Manhattan. With the SALT deduction capped at $10,000, they will be losing out on thousands of dollars of tax deductions.

Vehicles And Transportation – $2,842/month

Colin is a car enthusiast, and Rachel appreciates the utility and safety of an SUV for her kids. As a result, they own the newest Range Rover Velar and Porsche 911S. The P380 Dynamic Velar is leased for $850/month. The Porsche 911S costs $1,400/month.

The Chens drive their Velar to the Hamptons many weekends during the summer where they rent a vacation house with friends. Colin drives his Porsche to the country club to play golf a couple times a week while the kids are in school. It’s his way of staying in shape and socializing given most of his peers still work full-time jobs.

Range Rover Velar family car for the kids – $78,000

Vacations – $40,000/Year

The Chens take three vacations outside of New York City a year plus a combined week’s worth of local vacation scattered through the year.

Given Rachel works ~65 hours a week, vacations are extremely valuable to her so she can recharge and spend quality time with family.

Rachel has long felt a tremendous amount of guilt for being away from her kids for so long, but she also realizes she’s in an enviable position to maximize her career earnings while the stock market is still hot. Eventually, the market will turn and it will become much harder for her to outperform.

The Chens’ favorite vacation spots are mostly in Europe: Dubrovnik, Almalfi Coast, St. Tropez, Provence, and Mallorca are some of their top destinations. It’s easy to fly to Europe from the East Coast, but every other year, they’ll take a trip back to see extended family in Taiwan. They also love visiting Japan, Thailand, and Vietnam when they can arrange two consecutive weeks off.

Each international trip for a family of four costs rooughly $13,500 for the week. The cost can be broken down as follows: $4,000 – $6,000 for economy class flights, $4,000 – $5,000 for 7 nights at a five-star hotel, and $2,000 – $4,000 for food, excursions, and souvenirs.

The remaining $5,000 out of their yearly $40,000 vacation budget is allocated towards being a NYC tourist.

A villa they rented in Santorini, Greece for $5,000/week

Clothes For Four – $24,000/year

Rachel loves clothes and shoes, and Colin doesn’t mind dressing up nicely to match his lovely wife, although he prefers to wear athletic gear all day. As a fund manager who expects to be taken seriously in a male-dominated industry, Rachel dresses her position.

Her pantsuits from Gucci, Dolce, and Chanel easily cost between $2,000 – $3,500 each. On average, she buys one work suit once a year to keep her threads fresh, although sometimes she buys a couple during holiday sales.

With every power suit must come matching Manolo Blahniks or Jimmy Choos at the cost of between $800 – $1,000 a pair on average. Below is a regular black satin pump by Manolo for $995 before tax at Nieman Marcus.

After the pumps, Rachel must of course own a work-appropriate tote bag that can cost anywhere from $1,000 – $3,000. She prefers the understated Prada bags with their hard waterproof exterior. Below are some of her clothing examples.

High powered jobs come with high priced clothes

Given Colin is a stay at home dad, he doesn’t need to spend anything on work clothes. However, he does own and appreciate an array of finely cut blazers to go along with his designer jeans and button down shirts for when they go out. Each custom blazer costs between $1,000 – $1,500 on average. Designer jeans run between $180 – $300, and shirts from the likes of Thomas Pink can range from $80 – $250. He only has one watch, a stainless steel Royal Oak Audemars Piguet he bought for $16,000 years ago.

Charity – $25,000 / Year

The Chens feel extremely fortunate to be in their position as second generation Americans whose parents worked lower income jobs to put them through school. When you are given the opportunity to make it beyond your wildest dreams in the greatest country on Earth, the Chens feel it’s their duty to regularly give roughly 2.5% of their gross income to charity.

Rachel and Colin are particularly passionate about helping foster kids get through a difficult system in order to be given a fair chance at life. They know their sons are extremely fortunate to attend private school, and deep down they feel it is unfair that their kids can have so much, while other kids, through no fault of their own can have so little. Given they aren’t going to reduce their son’s opportunities, they’ve decided to use most of the 2.5% to help less fortunate youth.

Net Worth Summary

Rachel has a target of working for 15 more years until her youngest son graduates college. Once both kids are through college, this will free up roughly $200,000 a year in after-tax children related expenses, which is equivalent to roughly $340,000 in gross income based on their 41% effective total tax rate.

After 15 years, the Chens should be able to accumulate at minimum:

$277,500 in 401(k) plus $150,000 in profit sharing

$816,495 in after-tax cashh

$500,000 in principal pay down (leaving $1,000,000 left in mortgage)

For a base case net worth increase of roughly $1,600,000 without any appreciation in their investments or house. Assuming $106,666 in base case net worth growth over 15 years, no compensation increase during this time period, and a current $3,000,000 net worth, including the equity in their primary residence, the Chens will conservatively have a $10,000,000 net worth by the time their youngest graduates from college using a 6.2% annual growth rate. She’ll be 60 years old and he’ll be 58.

Once their brownstone is paid off, they’ll save an additional $86,000 a year in after-tax cash flow, equivalent to $145,000 gross based on a 41% effective tax rate.

Therefore, the Chens can afford to maintain their lifestyles earning just $500,000 a year once they no longer have mortgage debt or child expenses. With a $10 million net worth, all they would need to do is figure out some way to generate a 5% return to live a great retirement and never touch principal for the rest of their lives.

Not Sure If It’s All Worth It

On paper, everything looks great for the Chens. Yet, Rachel tells me she doesn’t know if it’s worth working 65 hours a week for the next 15 years. Even the finest lobster at Le Bernardin or the most picturesque luxury villa off the Almalfi Coast gets old after a while.

Rachel sees a therapist every other week to help her manage the constant pressure she feels to provide for her family, outperform her peers, and outperform the markets. The market takes no prisoners. She’s only as good as her last month’s performance. This type of pressure has begun to pulverize what little peace and quiet she has left inside. She’s also recently begun to develop heart palpitations, which has her worried.

Colin also sees a therapist once a month to help him get through his feelings of unworthiness for being a stay at home father. Although he’s truly a great dad, he often feels gutted to have given up his management consulting job. None of his friends, who all work, understand what he’s going through. He feels isolated and often depressed. Sometimes he gets jealous of Rachel’s success, which leads to bitter fights.

What Rachel misses most is spending time with her boys, who are growing up too fast for her liking. Like middle age, where she now has a greater sense of her mortality, she knows that she might only have 5-7 years left to spend time with her sons before they would prefer spending all their free time with their friends. Before she knows it, they’ll be off to college where she might be lucky to see them twice a year.

Rachel envies Colin’s time at home. Most of her girlfriends are stay at home moms who take turns hosting playdates when their kids are off. When they’re in school, they often go to brunch at Blue Water Grill with bottomless mimosas over mounds of freshwater oysters. Colin envies Rachel’s freedom and the thrill of working in the real world with power.

Unfortunately, the only way to live a freer life is to drastically reduce expenses, have Colin go back to work, change their lifestyle completely, or accumulate at least 20X their annual expenses in net worth. At their current $500,000 annual burn rate, Rachel will truly need to work another 15 years to finally experience the joys of financial freedom. But she’s not sure if she can afford to wait that long.

If I was Rachel, I’d either ask for a three-month sabbatical or dial back work to 40 hours a week for less compensation. Making $500,000 a year with less stress, fewer hours, and a lower effective tax rate sounds so much more reasonable. They’ll have to cut down on entertainment, clothes, and travel, but they’ll gain back so much more quality time as a family.

Related:

Here’s When You’ll Finally Feel Rich

Be Rich, Not Famous: The Joys Of Being A Nobody

The Average Net Worth For The Above Average Married Couple

Readers, do you think earning $1 million a year is worth the stress, long work hours, and time away from family? How long would you be willing to work for $1 million a year before you decide to retire early? What would you do if you were the Chens? I’ll record a podcast about this episode in a day or two after I read some feedback on this post. 

The post When Earning $1 Million A Year Isn’t Enough To Retire Early appeared first on Financial Samurai.

from https://www.financialsamurai.com/when-earning-one-million-a-year-is-not-enough/

[healthbolt-blog]

New Post has been published on Health bolt

New Post has been published on http://www.healthbolt.net/cooking/healthy-no-cook-camping-food/

Healthy No Cook Camping Food

Contents

Foil packet meals

White sugar … helpful

Aproper diet. healthy home cooked

-cook breakfast recipes

Substitution generally works

Non-Cook Backpacking Meal Plan: 3 Days, 9 Meals, No Stove. Cooking is a pain… especially in the backcountry. The weight of the stove, pots and dishes always adds a couple pounds to your bag.

That’s where foil packet meals come in. Aluminum foil is truly an under-appreciated cooking tool—all you have to do is … Either way, you’re always in for some major flavor, and this recipe is no dif…

Light Healthy Cooking When you feel like "healthy" snacks can’t possibly branch past almonds and apples, there’s a creative recipe collection waiting to show you the light. Ahead we’ve rounded up 11 curated-cooking guidebo… As written, this soup is light. As light as this prescription from your Healthy Cooking columnist: Sip it from a mug while wa… Healthy Banana Bread From Cooking Light Nov 09, 2015  · What makes this banana bread healthy? This banana bread recipe is made with 100 percent whole wheat flour, unlike traditional banana bread recipes that call for refined flour and lots of processed sugar. This banana bread is naturally sweetened with honey or maple syrup, which offer some trace nutrients that white sugar … helpful, trusted answers from doctors: Dr. Lin on healthy banana bread recipe cooking light: Speakmto your physician and ask for a referral to a dietician who can supply you with aproper diet. healthy home cooked Meals Delivered Join the new food revolution of fresh food delivery at Muscle Meals Direct and enjoy our freshly prepared, nutritiously balanced and healthy meals delivered to your door or nearest pick up location weekly. green chef Those looking to make a home-cooked meal but also cut down on the amount of time spent running around grocery stor… In 2013, mother-and-daughter duo Didee and Jane Weare started We Are Food, selling frozen home-cooked meals from their garage in Umhlanga Rocks. As demand for their convenient but healthy food … wit… Quick-Fix Vegetarian: Healthy Home-Cooked Meals in 30 Minutes or Less (Quick-Fix Cooking) [Robin Robertson] on Amazon.com. *FREE* shipping on qualifying offers. featuring 150 delicious recipes, Quick-Fix Vegetarian provides both novice and longtime cooks with practical and robust vegetarian dishes that can be prepared in less time than it takes to have a pizza delivered. Healthy Ways To Cook Chicken Wings How to cook chicken wings How to Cook Chicken Wings … You may think of chicken wings as bar food, but these saucy babies are great for, say, … Join our newsletter for free recipes, healthy living inspiration, and special offers. Sign up . Get a Personalized Meal Plan. What To Cook Healthy Healthy Cooking Methods For Meat Meat is a staple food in many diets. It’s tasty, satisfying and is an excellent source of high-quality protein and other important nutrients. However, different cooking methods can affect the … whole chickens are another healthy convenience food. Most grocery stores offer a variety of seasoned chicken ranging from bar… healthy cooking lessons nyc fox 5 NY News streams daily. check the Live page to watch fullscreen and view the schedule. Backed by this evidence, as well as advocacy from Brooklyn Borough President Eric Adams, NYC Health & Hospitals/Bellevue was … Cortlandt Manor, NY – (Feb. 24, 2014) – Making some modest changes in your diet can improve your heart health. hudson valley Hospital Center’s new Peter X. Kelly Teaching Kitchen offers healthy cookin… How To cook prawns healthy The Sauteed Fresh Prawns with tong kui (angelica or also known as

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I can tell you from plenty of personal experience that trying to cook with inferior equipment while you’re far afield is a re…

Check out these healthy food options and meal ideas for camping. Complete with recipes. … Freeze it, pack it, and just cut the tip off when you are ready to cook! Recipes – Pumpkin Spice French Toast. Breakfast In a Jar (make ahead) Banana Peanut Butter … Camping, Camping Food Ideas, Healthy Camping, Healthy Camping Meals , Quick …

(KUTV) Salt Lake City – Chef Casey Bowthorpe from Harmon’s Grocery in City Creek brought some great camping recipes with him to Fresh Living … Repeat with the rest of the ingredients. Recipe can mak…

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Tis the season for camping adventures … and focus on meals that don’t use too many pots while cooking to save time and water while doing dishes. Also consider making treats and snacks at home to ens…

Even if you’re just getting ready for your very first camping trip, you probably already know the food is notoriously boring … foil packs over the fire and let them cook until the peppers and onions …

Healthy Ways To Cook Chicken Breast Before diving right into world cuisine such as churrasco, Mediterranean or Asian, Pelton first walks the reader through the b… 17 Mediterranean Diet Chicken Recipes … to change your ways, but we are here to tell you that mixing up your chicken game i… Cooking Healthy For Your Family But no matter what your ideal solution looks like, in today’s reality, you’re likely to find that cooking healthy family meals at home is the best way to keep both your wallet and … Best Way To Cook Cauliflower Healthy “We’re going to put ourselves out there in a big way. That’s what we did.” While the meal prep service focuses on healthy … … Yep, this is a pizza crust made of vegetables. It might sound like something that your holistic-commune-dwelling, essential-oil-vaping, ultra-granola aunt came up with in a fever dream, but cauliflowe… We call this our our “best” baked oatmeal … these 31 recipes will help you go keto without sacrificing flavor. Collard Greens Make Way Better Wraps Than Lettuce Ever Could Collard Wraps make the per… The George Mateljan Foundation is a not-for-profit foundation with no commercial interests or advertising. Our mission is to help you eat and cook the healthiest way for optimal health. Healthy Ways To Cook Hamburger Meat the CDC is also urging people to wash their hands and any items that come into contact with raw ground beef with soap and water after use. Make sure to stay safe by following health officials’ recomme… Eating an Online Meat For Sale Oregon is an excellent way of being healthy and providing all the … there are various benefits attached to meat. So, purchase Ground Beef For Sale In Oregon from Orego… Chicken breasts are a healthy dinner go-to, but finding tasty new ways to make them can be difficult. This recipe from Dishin… The best and healthiest methods to cook meat are grilling, broiling or roasting without oil. Fat content is decreased because it flows out of the meat. Kebabs, meat grilled on skewers, are a great lean option. Stay away from frying and boiling. These methods keep fat in. How To cook healthy Food But even the home-baked varieties can be full of fat. For healthier cooking, try substituting applesauce for oil or butter.Swapping applesauce for oil will cut fat and cut calories, but it can also change the texture of your finished product. The substitution generally works best in muffins, bars or cake recipes. Healthy Home cooked meals delivered join the new food revolution of fresh food delivery at Muscle Meals Direct and enjoy our freshly prepared, nutritiously balanced and healthy meals delivered to your door or nearest pick up location weekly. green chef Those looking to make a home-cooked meal but also cut down on the amount of time spent running around grocery stor… In 2013, mother-and-daughter duo Didee and Jane Weare started We Are Food, selling frozen home-cooked meals from their garage in Umhlanga Rocks. As demand for their convenient but

Food and Drink. Diet and Nutrition. Food and Health. No-Cook Meal Ideas for Camping Karen Curinga woman eating granola bar outside (Image: MikeCherim … is often time-consuming and inconvenient, especially when you’re tired after a long day. The key to successful, no-cook meals when camping is to identify the foods that are portable, non …

Healthy Ways To Cook Hamburger Meat the CDC is also urging people to wash their hands and any items that come into contact with raw ground beef with soap and water after use. Make sure to stay safe by following health officials’ recomme… Eating an Online Meat For Sale Oregon is an excellent way of being healthy and providing all the … there are various benefits attached to meat. So, purchase Ground Beef For Sale In Oregon from Orego… Chicken breasts are a healthy dinner go-to, but finding tasty new ways to make them can be difficult. This recipe from Dishin… The best and healthiest methods to cook meat are grilling, broiling or roasting without oil. Fat content is decreased because it flows out of the meat. Kebabs, meat grilled on skewers, are a great lean option. Stay away from frying and boiling. These methods keep fat in. How To Cook Healthy Food But even the home-baked varieties can be full of fat. For healthier cooking, try substituting applesauce for oil or butter.Swapping applesauce for oil will cut fat and cut calories, but it can also change the texture of your finished product. The substitution generally works best in muffins, bars or cake recipes. Healthy Home cooked meals delivered join the new food revolution of fresh food delivery at Muscle Meals Direct and enjoy our freshly prepared, nutritiously balanced and healthy meals delivered to your door or nearest pick up location weekly. Green Chef Those looking to make a home-cooked meal but also cut down on the amount of time spent running around grocery stor… In 2013, mother-and-daughter duo Didee and Jane Weare started We Are Food, selling frozen home-cooked meals from their garage in Umhlanga Rocks. As demand for their convenient but healthy food … wit… Quick-Fix Vegetarian: Healthy Home-Cooked Meals in 30 Minutes or Less (Quick-Fix Cooking) [Robin Robertson] on Amazon.com. *FREE* shipping on qualifying offers. Featuring 150 delicious recipes, Quick-Fix Vegetarian provides both novice and longtime cooks with practical and robust vegetarian dishes that can be prepared in less time than it takes to have a pizza delivered. Healthy Ways To Cook Chicken Wings How to cook chicken wings How to Cook Chicken Wings … You may think of chicken wings as bar food, but these saucy babies are great for, say, … Join our newsletter for free recipes, healthy living inspiration, and special offers. Sign up . Get a Personalized Meal Plan. What To Cook Healthy Healthy Cooking Methods For Meat Meat is a staple food in many diets. It’s tasty, satisfying and is an excellent source of high-quality protein and other important nutrients. However, different cooking methods can affect the … whole chickens are another healthy convenience food. Most grocery stores offer a variety of seasoned chicken ranging from bar… healthy cooking lessons nyc fox 5 NY News streams daily. check the Live page to watch fullscreen and view the schedule. Backed by this evidence, as well as advocacy from Brooklyn Borough President Eric Adams, NYC Health & Hospitals/Bellevue was …

Refreshingly easy, no-cook recipes for when it’s too hot to turn on the oven. Refreshingly easy recipes for when it’s too hot to cook. … and cucumbers in your food processor to create this healthy summer soup. Get the recipe. Advertisement. 7 of 26. Pin. More. …

Easy No-Prep No-Cook Camping Festival Food Ideas So, you don’t feel like carting all your cooking gear to a festival? … of foods to choose from when I go shopping before each festival to keep me reasonably well-fed and feeling somewhat healthy, even for the longest of festivals without food vendors. … Below is a list of food ideas that …

Cooking Healthy For Your Family But no matter what your ideal solution looks like, in today’s reality, you’re likely to find that cooking healthy family meals at home is the best way to keep both your wallet and … Best Way To Cook Cauliflower Healthy “We’re going to put ourselves out there in a big way. That’s what we did.” While the meal prep service focuses on healthy … … Yep, this is a pizza crust made of vegetables. It might sound like something that your holistic-commune-dwelling, essential-oil-vaping, ultra-granola aunt came up with in a fever dream, but cauliflowe… We call this our our “best” baked oatmeal … these 31 recipes will help you go keto without sacrificing flavor. Collard Greens Make Way Better Wraps Than Lettuce Ever Could Collard Wraps make the per… The George Mateljan Foundation is a not-for-profit foundation with no commercial interests or advertising. Our mission is to help you eat and cook the healthiest way for optimal health. Healthy Ways To Cook Hamburger Meat the CDC is also urging people to wash their hands and any items that come into contact with raw ground beef with soap and water after use. Make sure to stay safe by following health officials’ recomme… Eating an Online Meat For Sale Oregon is an excellent way of being healthy and providing all the … there are various benefits attached to meat. So, purchase Ground Beef For Sale In Oregon from Orego… Chicken breasts are a healthy dinner go-to, but finding tasty new ways to make them can be difficult. This recipe from Dishin… The best and healthiest methods to cook meat are grilling, broiling or roasting without oil. Fat content is decreased because it flows out of the meat. Kebabs, meat grilled on skewers, are a great lean option. Stay away from frying and boiling. These methods keep fat in. How To cook healthy Food But even the home-baked varieties can be full of fat. For healthier cooking, try substituting applesauce for oil or butter.Swapping applesauce for oil will cut fat and cut calories, but it can also change the texture of your finished product. The substitution generally works best in muffins, bars or cake recipes. Healthy Home cooked meals delivered join the new food revolution of fresh food delivery at Muscle Meals Direct and enjoy our freshly prepared, nutritiously balanced and healthy meals delivered to your door or nearest pick up location weekly. green chef Those looking to make a home-cooked meal but also cut down on the amount of time spent running around grocery stor… In 2013, mother-and-daughter duo Didee and Jane Weare started We Are Food, selling frozen home-cooked meals from their garage in Umhlanga Rocks. As demand for their convenient but healthy food … wit… Quick-Fix Vegetarian: Healthy Home-Cooked Meals in 30 Minutes or Less (Quick-Fix Cooking) [Robin Robertson] on Amazon.com. *FREE* shipping on qualifying offers. featuring 150 delicious recipes, Quick-Fix Vegetarian provides both novice and longtime cooks with practical and robust vegetarian dishes that can be prepared in less

[realselfblog]

Health Consumers Face the New Year Concerned About Costs, Security and Caring – Health Populi’s 2018 Forecast

As 2018 approaches, consumers will gather healthy New Year’s Resolutions together. Entering the New Year, most Americans are also dealing with concerns about healthcare costs, cybersecurity, and caring – for physical health, mental stress, and the nation.

Healthcare costs continue to be top-of-mind for consumer pocketbook issues. Entrenched frugality is the new consumer ethos. While the economy might be statistically improving, American consumers’ haven’t regained confidence.

In 2018, frugality will impact how people look at healthcare costs. 88% of US consumers are likely to consider cost when selecting a healthcare provider, a Conduent survey found. Physicians know this: 81% of providers say patients have talked with them about health care costs.

Consumers confront chaos in U.S. healthcare reform, with the over-arching GOP health reform efforts scuttled by a slim margin of “nay votes,” but the just-passed tax bill repealing the individual mandate. “Repeal and replace is now coopt and confuse,” Dr. Ann Hwang, a primary care physician, wrote in Modern Healthcare this week.

Millions of people in the U.S. won’t have health insurance in 2018, and so will face a truly retail experience with health care providers and suppliers in their communities. Cost is the barrier to coverage. Having health insurance makes a difference in whether people get medical care they need, and impacts how healthy people are. Health insurance is a social determinant of health.

“All health sectors have started to try their hand at social interventions,” PwC’s 2018 top industry issues report notes.

One healthcare industry that will get increased consumer and legislative scrutiny in 2018 will be prescription drugs. Across Democrats, Independents and Republicans all, most consumers would like the U.S. Federal government to take more action on lowering the cost of medicines. The Conduent poll also found that 60% of U.S. consumers believe making Rx drugs more affordable should be the nation’s top healthcare priority. Americans are quite aware of their role as payors of the highest prices of prescription drugs in the world. Scott Gottlieb, the current FDA Commissioner, has talked about this policy priority for 2018.

Because consumers have a retail relationship with prescription drugs through pharmacies, the issue gets peoples’ attention due to greater price transparency – at least in the form of co-pay, coinsurance, or first-dollar payment under a high-deductible health plan. Pharmacies understand their role as accessible retail health on-ramps for medications and counsel, and growing role as health care providers. In 2017, CVS launched a drive-up service for consumers to collect their prescriptions at the curbside. Then the company announced intentions to deliver Rx to patients’ homes. Finally, CVS announced its intention to acquire Aetna, the health insurance company.

This vertical integration will be just the start of new business models developing to bring healthcare more conveniently and, potentially, cost-effectively to the consumer in 2018. Perhaps Walmart will buy Humana, Ana Gupta of Leerink Partners recently discussed on CNBC’s Squawk Box.

Expect more retail-facing health delivery programs in the New Year, such as the relationship recently struck between Walgreens and New York Presbyterian’s On-Demand suite of consumer digital health services. Walgreens has been an important influencers in promoting consumers’ use of wearable technology to track health, through the company’s Balance Rewards loyalty program. The company started the Center for Health and Wellbeing Research to expand research into consumer health and self-care. This is but one more sign of the evolving retail health landscape that’s positioned to meet consumer demand for greater access to cost-effective, empowering care channels in the community.

Promoting the use of wearable tech has been part of Walgreens’ consumer health strategy for several years. There’s a growing “retail of physical wellness” Field Agent’s research talks about. 96% of U.S. adults expect to exercise, work out, or play a sport in 2018. People will endeavor to do more physical activity in the New Year, along with nutrition and diet, weight management, and better managing stress and anxiety levels. 57% of Americans own at least one wearable technology to enhance fitness and sports participation, Field Agent found, from activity trackers to apps.

Consumers’ interest in virtual and telehealth will grow in 2018: Accenture’s Voting for Virtual Health poll found that 3 in 4 consumers are interested in using digital technologies to track health status like blood pressure, to follow up appointments after seeing a doctor, to follow-up hospital stays, and to receive reminders for healthy living.

Don’t think it’s only Millennials who demand virtual health services. PwC’s consumer survey found an older age cohort 65 and over willing to use digital devices at home and engage in telehealth visits, too. What underpins older consumers’ willingness-to-try digital health tools is their increased adoption of smartphones: two-thirds of people aged 55-75 had smartphones in 2017, up from 53% in 2015, Deloitte’s Mobile Consumer survey learned.

The FDA’s newly-issued guidance defining what constitutes a medical device clarifies what software and digital health tools constitutes a “medical device.” These reg’s should enable more products to come to market in 2018 for consumers’ use at home and on-the-go for self-care. Consumers’ purchases of digital assistants, like Amazon ECHO and Google Home, will also expand peoples’ digital health adoption through voice-first technology in 2018. With CES 2018 happening in January 2018, I’ll be curating innovations for consumers’ healthcare, so do stay tuned to Health Populi for new-news on the topic of consumer-facing wearable and digital health.

Notwithstanding the FDA’s greater clarity on the supply side development of digital health tools, consumers remained very concerned about the security of their personal health information. The Equifax breach of 2017 made the majority of Americans quite aware of the value of personal data. Most doctors’ information systems have been breached, research from the American Medical Association and Accenture reported. “Physicians, overwhelmingly, are finding themselves the target of cyberattacks that disrupt their practices and put patient safety at risk,” the report observed. “More support from the government, technology and medical sectors would help physicians with a proactive cybersecurity defense to better ensure the availability, confidentially and integrity of health care data,” AMA and Accenture recommend.

But people have a trust paradox when it comes to their digital connections, based on a new poll from Cisco. The paradox is that consumers’ perceived value of the Internet of Things may be high, but trust is low. Despite this chasm, peoples’ connectivity is integrated into daily lives, so much so that many people are unwilling to disconnect. While security breaches erode consumer trust, we may be at a “point of no return,” in Cisco’s words, when it comes to people unwilling to disconnect due to their values for convenience, efficiency, and cost-savings generated through connected cars, smart homes, and wearable technologies.

It may give health consumers some solace to know that hospital leadership looks to increase funding for cybersecurity in 2018, based on UPMC’s Center for Connected Medicine joint survey with The Academy.

And so stay connected people will, some voicing, “Alexa, remind me to eat cleaner today.” Two-thirds of Americans are determined to eat healthier in the New Year, Field Agent’s research found. More people vow to eat less fried food, fast food, and sugar. And, more consumers look to eat more fruit, vegetables and salads, per the CDC’s recommendations based on the Center’s recent report finding that too few Americans consume enough fresh produce in daily diets. Food prescriptions, whether self-imposed or recommended by physicians or health coaches, will be more common in 2018. Emerging food trends will include neuro-nutrition for “mood food” and brain health. Examples of this are Honeybrains, a café with a menu developed by a neurologist, and the subscription meal vendor Euphebe (an abbreviation for their mantra, “You’ll Feel Better”).

Why growing attention to self-care among U.S. healthcare consumers? It’s to feel better and manage healthcare costs, for sure, but there’s another factor: other people. 53% of Americans are engaging in better self-care to be better for others, Field Agent’s poll found.

I conclude this tea-leaf reading on consumers and healthcare for 2018 with another form of connectivity: social. Loneliness takes a toll on our health: “We can’t discount the risks of being socially isolated even if people don’t feel lonely,” Julianne Holt-Lunstad of Brigham Young University said. Despite growing digital connectivity, socially isolated individuals are “a growing epidemic,” according to Dr. Dhruv Khullar at Weill Cornell Medicine NYC.

The APA Stress in America Survey – The State of Our Nation poll found that 59% of Americans say we’re at the lowest point in our nation’s history that people can remember. The biggest sources of stress among Americans are worry about the future of the country, health care, money, work, political climate, and violence and crime.

Let 2018 be a year of greater social connectivity, in real-life, in real-time.

Wishing you a healthy, loving holiday season and New Year of community and personal peace.

The post Health Consumers Face the New Year Concerned About Costs, Security and Caring – Health Populi’s 2018 Forecast appeared first on HealthPopuli.com.

Health Consumers Face the New Year Concerned About Costs, Security and Caring – Health Populi’s 2018 Forecast posted first on http://ift.tt/2sNcj5z

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Health Consumers Face the New Year Concerned About Costs, Security and Caring – Health Populi’s 2018 Forecast

As 2018 approaches, consumers will gather healthy New Year’s Resolutions together. Entering the New Year, most Americans are also dealing with concerns about healthcare costs, cybersecurity, and caring – for physical health, mental stress, and the nation.

Healthcare costs continue to be top-of-mind for consumer pocketbook issues. Entrenched frugality is the new consumer ethos. While the economy might be statistically improving, American consumers’ haven’t regained confidence.

In 2018, frugality will impact how people look at healthcare costs. 88% of US consumers are likely to consider cost when selecting a healthcare provider, a Conduent survey found. Physicians know this: 81% of providers say patients have talked with them about health care costs.

Consumers confront chaos in U.S. healthcare reform, with the over-arching GOP health reform efforts scuttled by a slim margin of “nay votes,” but the just-passed tax bill repealing the individual mandate. “Repeal and replace is now coopt and confuse,” Dr. Ann Hwang, a primary care physician, wrote in Modern Healthcare this week.

Millions of people in the U.S. won’t have health insurance in 2018, and so will face a truly retail experience with health care providers and suppliers in their communities. Cost is the barrier to coverage. Having health insurance makes a difference in whether people get medical care they need, and impacts how healthy people are. Health insurance is a social determinant of health.

“All health sectors have started to try their hand at social interventions,” PwC’s 2018 top industry issues report notes.

One healthcare industry that will get increased consumer and legislative scrutiny in 2018 will be prescription drugs. Across Democrats, Independents and Republicans all, most consumers would like the U.S. Federal government to take more action on lowering the cost of medicines. The Conduent poll also found that 60% of U.S. consumers believe making Rx drugs more affordable should be the nation’s top healthcare priority. Americans are quite aware of their role as payors of the highest prices of prescription drugs in the world. Scott Gottlieb, the current FDA Commissioner, has talked about this policy priority for 2018.

Because consumers have a retail relationship with prescription drugs through pharmacies, the issue gets peoples’ attention due to greater price transparency – at least in the form of co-pay, coinsurance, or first-dollar payment under a high-deductible health plan. Pharmacies understand their role as accessible retail health on-ramps for medications and counsel, and growing role as health care providers. In 2017, CVS launched a drive-up service for consumers to collect their prescriptions at the curbside. Then the company announced intentions to deliver Rx to patients’ homes. Finally, CVS announced its intention to acquire Aetna, the health insurance company.

This vertical integration will be just the start of new business models developing to bring healthcare more conveniently and, potentially, cost-effectively to the consumer in 2018. Perhaps Walmart will buy Humana, Ana Gupta of Leerink Partners recently discussed on CNBC’s Squawk Box.

Expect more retail-facing health delivery programs in the New Year, such as the relationship recently struck between Walgreens and New York Presbyterian’s On-Demand suite of consumer digital health services. Walgreens has been an important influencers in promoting consumers’ use of wearable technology to track health, through the company’s Balance Rewards loyalty program. The company started the Center for Health and Wellbeing Research to expand research into consumer health and self-care. This is but one more sign of the evolving retail health landscape that’s positioned to meet consumer demand for greater access to cost-effective, empowering care channels in the community.

Promoting the use of wearable tech has been part of Walgreens’ consumer health strategy for several years. There’s a growing “retail of physical wellness” Field Agent’s research talks about. 96% of U.S. adults expect to exercise, work out, or play a sport in 2018. People will endeavor to do more physical activity in the New Year, along with nutrition and diet, weight management, and better managing stress and anxiety levels. 57% of Americans own at least one wearable technology to enhance fitness and sports participation, Field Agent found, from activity trackers to apps.

Consumers’ interest in virtual and telehealth will grow in 2018: Accenture’s Voting for Virtual Health poll found that 3 in 4 consumers are interested in using digital technologies to track health status like blood pressure, to follow up appointments after seeing a doctor, to follow-up hospital stays, and to receive reminders for healthy living.

Don’t think it’s only Millennials who demand virtual health services. PwC’s consumer survey found an older age cohort 65 and over willing to use digital devices at home and engage in telehealth visits, too. What underpins older consumers’ willingness-to-try digital health tools is their increased adoption of smartphones: two-thirds of people aged 55-75 had smartphones in 2017, up from 53% in 2015, Deloitte’s Mobile Consumer survey learned.

The FDA’s newly-issued guidance defining what constitutes a medical device clarifies what software and digital health tools constitutes a “medical device.” These reg’s should enable more products to come to market in 2018 for consumers’ use at home and on-the-go for self-care. Consumers’ purchases of digital assistants, like Amazon ECHO and Google Home, will also expand peoples’ digital health adoption through voice-first technology in 2018. With CES 2018 happening in January 2018, I’ll be curating innovations for consumers’ healthcare, so do stay tuned to Health Populi for new-news on the topic of consumer-facing wearable and digital health.

Notwithstanding the FDA’s greater clarity on the supply side development of digital health tools, consumers remained very concerned about the security of their personal health information. The Equifax breach of 2017 made the majority of Americans quite aware of the value of personal data. Most doctors’ information systems have been breached, research from the American Medical Association and Accenture reported. “Physicians, overwhelmingly, are finding themselves the target of cyberattacks that disrupt their practices and put patient safety at risk,” the report observed. “More support from the government, technology and medical sectors would help physicians with a proactive cybersecurity defense to better ensure the availability, confidentially and integrity of health care data,” AMA and Accenture recommend.

But people have a trust paradox when it comes to their digital connections, based on a new poll from Cisco. The paradox is that consumers’ perceived value of the Internet of Things may be high, but trust is low. Despite this chasm, peoples’ connectivity is integrated into daily lives, so much so that many people are unwilling to disconnect. While security breaches erode consumer trust, we may be at a “point of no return,” in Cisco’s words, when it comes to people unwilling to disconnect due to their values for convenience, efficiency, and cost-savings generated through connected cars, smart homes, and wearable technologies.

It may give health consumers some solace to know that hospital leadership looks to increase funding for cybersecurity in 2018, based on UPMC’s Center for Connected Medicine joint survey with The Academy.

And so stay connected people will, some voicing, “Alexa, remind me to eat cleaner today.” Two-thirds of Americans are determined to eat healthier in the New Year, Field Agent’s research found. More people vow to eat less fried food, fast food, and sugar. And, more consumers look to eat more fruit, vegetables and salads, per the CDC’s recommendations based on the Center’s recent report finding that too few Americans consume enough fresh produce in daily diets. Food prescriptions, whether self-imposed or recommended by physicians or health coaches, will be more common in 2018. Emerging food trends will include neuro-nutrition for “mood food” and brain health. Examples of this are Honeybrains, a café with a menu developed by a neurologist, and the subscription meal vendor Euphebe (an abbreviation for their mantra, “You’ll Feel Better”).

Why growing attention to self-care among U.S. healthcare consumers? It’s to feel better and manage healthcare costs, for sure, but there’s another factor: other people. 53% of Americans are engaging in better self-care to be better for others, Field Agent’s poll found.

I conclude this tea-leaf reading on consumers and healthcare for 2018 with another form of connectivity: social. Loneliness takes a toll on our health: “We can’t discount the risks of being socially isolated even if people don’t feel lonely,” Julianne Holt-Lunstad of Brigham Young University said. Despite growing digital connectivity, socially isolated individuals are “a growing epidemic,” according to Dr. Dhruv Khullar at Weill Cornell Medicine NYC.

The APA Stress in America Survey – The State of Our Nation poll found that 59% of Americans say we’re at the lowest point in our nation’s history that people can remember. The biggest sources of stress among Americans are worry about the future of the country, health care, money, work, political climate, and violence and crime.

Let 2018 be a year of greater social connectivity, in real-life, in real-time.

Wishing you a healthy, loving holiday season and New Year of community and personal peace.

The post Health Consumers Face the New Year Concerned About Costs, Security and Caring – Health Populi’s 2018 Forecast appeared first on HealthPopuli.com.

Health Consumers Face the New Year Concerned About Costs, Security and Caring – Health Populi’s 2018 Forecast posted first on http://ift.tt/2sF7oEr

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Health Consumers Face the New Year Concerned About Costs, Security and Caring – Health Populi’s 2018 Forecast

As 2018 approaches, consumers will gather healthy New Year’s Resolutions together. Entering the New Year, most Americans are also dealing with concerns about healthcare costs, cybersecurity, and caring – for physical health, mental stress, and the nation.

Healthcare costs continue to be top-of-mind for consumer pocketbook issues. Entrenched frugality is the new consumer ethos. While the economy might be statistically improving, American consumers’ haven’t regained confidence.

In 2018, frugality will impact how people look at healthcare costs. 88% of US consumers are likely to consider cost when selecting a healthcare provider, a Conduent survey found. Physicians know this: 81% of providers say patients have talked with them about health care costs.

Consumers confront chaos in U.S. healthcare reform, with the over-arching GOP health reform efforts scuttled by a slim margin of “nay votes,” but the just-passed tax bill repealing the individual mandate. “Repeal and replace is now coopt and confuse,” Dr. Ann Hwang, a primary care physician, wrote in Modern Healthcare this week.

Millions of people in the U.S. won’t have health insurance in 2018, and so will face a truly retail experience with health care providers and suppliers in their communities. Cost is the barrier to coverage. Having health insurance makes a difference in whether people get medical care they need, and impacts how healthy people are. Health insurance is a social determinant of health.

“All health sectors have started to try their hand at social interventions,” PwC’s 2018 top industry issues report notes.

One healthcare industry that will get increased consumer and legislative scrutiny in 2018 will be prescription drugs. Across Democrats, Independents and Republicans all, most consumers would like the U.S. Federal government to take more action on lowering the cost of medicines. The Conduent poll also found that 60% of U.S. consumers believe making Rx drugs more affordable should be the nation’s top healthcare priority. Americans are quite aware of their role as payors of the highest prices of prescription drugs in the world. Scott Gottlieb, the current FDA Commissioner, has talked about this policy priority for 2018.

Because consumers have a retail relationship with prescription drugs through pharmacies, the issue gets peoples’ attention due to greater price transparency – at least in the form of co-pay, coinsurance, or first-dollar payment under a high-deductible health plan. Pharmacies understand their role as accessible retail health on-ramps for medications and counsel, and growing role as health care providers. In 2017, CVS launched a drive-up service for consumers to collect their prescriptions at the curbside. Then the company announced intentions to deliver Rx to patients’ homes. Finally, CVS announced its intention to acquire Aetna, the health insurance company.

This vertical integration will be just the start of new business models developing to bring healthcare more conveniently and, potentially, cost-effectively to the consumer in 2018. Perhaps Walmart will buy Humana, Ana Gupta of Leerink Partners recently discussed on CNBC’s Squawk Box.

Expect more retail-facing health delivery programs in the New Year, such as the relationship recently struck between Walgreens and New York Presbyterian’s On-Demand suite of consumer digital health services. Walgreens has been an important influencers in promoting consumers’ use of wearable technology to track health, through the company’s Balance Rewards loyalty program. The company started the Center for Health and Wellbeing Research to expand research into consumer health and self-care. This is but one more sign of the evolving retail health landscape that’s positioned to meet consumer demand for greater access to cost-effective, empowering care channels in the community.

Promoting the use of wearable tech has been part of Walgreens’ consumer health strategy for several years. There’s a growing “retail of physical wellness” Field Agent’s research talks about. 96% of U.S. adults expect to exercise, work out, or play a sport in 2018. People will endeavor to do more physical activity in the New Year, along with nutrition and diet, weight management, and better managing stress and anxiety levels. 57% of Americans own at least one wearable technology to enhance fitness and sports participation, Field Agent found, from activity trackers to apps.

Consumers’ interest in virtual and telehealth will grow in 2018: Accenture’s Voting for Virtual Health poll found that 3 in 4 consumers are interested in using digital technologies to track health status like blood pressure, to follow up appointments after seeing a doctor, to follow-up hospital stays, and to receive reminders for healthy living.

Don’t think it’s only Millennials who demand virtual health services. PwC’s consumer survey found an older age cohort 65 and over willing to use digital devices at home and engage in telehealth visits, too. What underpins older consumers’ willingness-to-try digital health tools is their increased adoption of smartphones: two-thirds of people aged 55-75 had smartphones in 2017, up from 53% in 2015, Deloitte’s Mobile Consumer survey learned.

The FDA’s newly-issued guidance defining what constitutes a medical device clarifies what software and digital health tools constitutes a “medical device.” These reg’s should enable more products to come to market in 2018 for consumers’ use at home and on-the-go for self-care. Consumers’ purchases of digital assistants, like Amazon ECHO and Google Home, will also expand peoples’ digital health adoption through voice-first technology in 2018. With CES 2018 happening in January 2018, I’ll be curating innovations for consumers’ healthcare, so do stay tuned to Health Populi for new-news on the topic of consumer-facing wearable and digital health.

Notwithstanding the FDA’s greater clarity on the supply side development of digital health tools, consumers remained very concerned about the security of their personal health information. The Equifax breach of 2017 made the majority of Americans quite aware of the value of personal data. Most doctors’ information systems have been breached, research from the American Medical Association and Accenture reported. “Physicians, overwhelmingly, are finding themselves the target of cyberattacks that disrupt their practices and put patient safety at risk,” the report observed. “More support from the government, technology and medical sectors would help physicians with a proactive cybersecurity defense to better ensure the availability, confidentially and integrity of health care data,” AMA and Accenture recommend.

But people have a trust paradox when it comes to their digital connections, based on a new poll from Cisco. The paradox is that consumers’ perceived value of the Internet of Things may be high, but trust is low. Despite this chasm, peoples’ connectivity is integrated into daily lives, so much so that many people are unwilling to disconnect. While security breaches erode consumer trust, we may be at a “point of no return,” in Cisco’s words, when it comes to people unwilling to disconnect due to their values for convenience, efficiency, and cost-savings generated through connected cars, smart homes, and wearable technologies.

It may give health consumers some solace to know that hospital leadership looks to increase funding for cybersecurity in 2018, based on UPMC’s Center for Connected Medicine joint survey with The Academy.

And so stay connected people will, some voicing, “Alexa, remind me to eat cleaner today.” Two-thirds of Americans are determined to eat healthier in the New Year, Field Agent’s research found. More people vow to eat less fried food, fast food, and sugar. And, more consumers look to eat more fruit, vegetables and salads, per the CDC’s recommendations based on the Center’s recent report finding that too few Americans consume enough fresh produce in daily diets. Food prescriptions, whether self-imposed or recommended by physicians or health coaches, will be more common in 2018. Emerging food trends will include neuro-nutrition for “mood food” and brain health. Examples of this are Honeybrains, a café with a menu developed by a neurologist, and the subscription meal vendor Euphebe (an abbreviation for their mantra, “You’ll Feel Better”).

Why growing attention to self-care among U.S. healthcare consumers? It’s to feel better and manage healthcare costs, for sure, but there’s another factor: other people. 53% of Americans are engaging in better self-care to be better for others, Field Agent’s poll found.

I conclude this tea-leaf reading on consumers and healthcare for 2018 with another form of connectivity: social. Loneliness takes a toll on our health: “We can’t discount the risks of being socially isolated even if people don’t feel lonely,” Julianne Holt-Lunstad of Brigham Young University said. Despite growing digital connectivity, socially isolated individuals are “a growing epidemic,” according to Dr. Dhruv Khullar at Weill Cornell Medicine NYC.

The APA Stress in America Survey – The State of Our Nation poll found that 59% of Americans say we’re at the lowest point in our nation’s history that people can remember. The biggest sources of stress among Americans are worry about the future of the country, health care, money, work, political climate, and violence and crime.

Let 2018 be a year of greater social connectivity, in real-life, in real-time.

Wishing you a healthy, loving holiday season and New Year of community and personal peace.

The post Health Consumers Face the New Year Concerned About Costs, Security and Caring – Health Populi’s 2018 Forecast appeared first on HealthPopuli.com.

Article source:Health Populi

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4 Ways to Add More Vegetables to Your Diet

We’ve all heard it before; “eat your vegetables.” While some love veggies of all types, many of us were born with a pickier palette to appease. If the nutritional benefit of a plant-focused diet can’t be argued, then what are some sure-fire ways to add more greens to your plate? Read on to find out four quick and easy ways to put more vegetables (of every color) into your diet.

Add Some Greens to Your Breakfast The idea of vegetables in your breakfast may sound a little off-putting at first, but if you can add a full serving of veggies into your morning meal, it’s a lot easier to fit the additional servings into the rest of the day. While a fruit smoothie with added spinach or kale is a fast and efficient option, it’s not the best solution for those who want a more substantial breakfast. Try mixing spinach, tomatoes, and mushrooms into your morning scrambled eggs. It will lighten the eggs’ texture and add a bright, earthy flavor while providing a nutrient boost to fuel you into your day. If you don’t have time to prep your breakfast in the mornings, you can also make breakfast burritos the day before. Combine eggs, black beans, spinach, tomatoes, and jalapeños in a tortilla for a spicy, protein-packed, and nutrient-rich breakfast on the go. Not sure where to start with a breakfast menu? With a world of restaurants at your fingertips and most menus available online, there’s no shortage of inspiration online. Try searching for popular brunch locations or vegetarian restaurants in Manhattan to find new and exciting options. Or, simply order breakfast to-go. Devote a Day of the Week to go Meatless You may have heard of “Meatless Mondays” and scoffed, or maybe you decided to follow the hashtag on Instagram. Either way, the idea of a meatless day has likely crossed your mind at some point. While some will use it as a launching pad for an entirely vegetarian lifestyle, forcing yourself out of your comfort zone when it comes to meal planning is a great way to incorporate more plant-forward meals into your regular diet. By picking a day each week to focus on vegetable-focused meals, you learn new ways to cook vegetables and may even find a recipe or two to stick with you on “non-meatless” days. If you hit a wall in brainstorming recipes, checking the online menus of vegetarian restaurants in New York can yield creative ideas. You could even order something veggie-forward and new to you, like a chef-made bowl packed with vegetables, for delicious inspiration. Find a High-Quality Takeout Option No matter how often you try to make all your meals yourself, it seems like work, family, and friendly commitments can pop up and throw you off schedule. Save yourself the hassle of takeout that leaves you feeling sluggish by finding reliable and delicious vegetarian restaurants in NYC that offer delivery and takeaway options. Busy schedule? No problem! This backup plan means you can enjoy scratch-made, veggie-focused meals on the go. So, tackle that to-do list, eat your veggies, and fuel your body with the nutrients it needs. Get Involved in a Plant-Forward Meals Group Nothing helps you stick to your commitments better than finding a group of people with similar goals. Whether you enjoy social media, digital meetups, or even a pen-pal system for a recipe exchange, check your local listings for a group of veggie-focused eaters like yourself. Being presented with new recipes, seasonal ideas, and local farmers’ markets will keep the idea of incorporating vegetables into your diet exciting and fun. If you can’t find any groups in the area, don’t worry. Ask around in your local work and friend circles. The odds are good at least one other person is looking to add more vegetables to their diet and would be happy to start one with you. Don’t let the idea of adding more vegetables to your diet intimidate you. Build out a plan, keep a vegetarian restaurant in mind for the busier nights, and find a friend to join you on your challenge. You’ll be glad you did. About The Little Beet Specializing in delicious, plant-inspired meals, The Little Beet is your guide to celebrating the foods this season has to offer. From thoughtfully sourcing their ingredients to their scratch-made approach to cooking, they lead the pack in vegetarian cuisine. You can visit all their New York locations, now open for delivery, takeout, and dine-in (with limited capacity) to experience their full menu. Not ready to commit to an entirely vegetarian meal? The team at The Little Beet understands. They also offer chicken, pork, and fish options, all served with delicious, plant-inspired sides, to ensure a nutrient-rich meal for any omnivore. With pre-made bowl recommendations from their chefs to fully customizable build-your-own bowls, The Little Beet is sure to become a staple in your fall routine and beyond. Be inspired by The Little Beet’s healthy, plant-forward meals at Thelittlebeet.com Original Source: https://bit.ly/385SFJU