Author Archives: Edward Brownlee

Gratitude Journal

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Starting a gratitude journal can be as simple writing down three things you are thankful for, no matter how small. Over time with using a gratitude journal, something tends to shift. You will begin noticing the little joys—the warmth of sunlight, a kind word from a friend, a delicious meal. As you continued this practice, your perspective changed. Even in difficult moments, there were reasons to be grateful.

One evening, I wrote about a simple act of kindness: a stranger held the door open for me at a coffee shop. It was such a small thing, but it touched my heart. That moment reminded me that goodness exists everywhere, even in the midst of challenges.

Gratitude became my anchor. It didn’t erase my problems, but it helped me navigate them with more resilience. I learned that gratitude isn’t just about saying “thank you”; it’s about actively seeking out the beauty and goodness around us.

So, if you ever feel overwhelmed, consider starting a gratitude practice. Write down a few things you’re thankful for each day. You’ll be surprised at how it shifts your perspective and brings more positivity into your life.

National Debt

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The U.S.National Debt grows because the Federal government consistently spends more than it collects in revenue. This persistent gap between spending and revenue has existed for over two decades.

As of 8:40 am on August 19, 2024 (https://www.usdebtclock.org/)

Excessive fiscal spending and changes in tax policy play a significant role. Policies like the Inflation Reduction Act, the Chips Act and Obama Care, impact government spending, extensions of tax cuts and new tax legislation, like the Tax Cuts and Jobs Act of 2017, impact government revenues.

Essentially, new federal spending without offset taxes to pay for it and tax cut without correlated cuts in spending are the root causes of increasing deficit spending and skyrocketing National Debt

Lawmakers must focus on long-term fiscal sustainability. Delaying action will make addressing the debt even harder. A gradual, spending-focused approach is essential, including reforms to mandatory programs like Social Security and Medicare.

Tax increases must be part of the solution, and policymakers should prioritize less distortionary taxes (such as consumption taxes) or tax reforms that broaden the tax base. For instance, returning to Clinton-era policies could bring more working families back onto the tax rolls.

In summary, addressing the debt requires a balanced approach, thoughtful policies, and a commitment to fiscal responsibility.

References:

  1. https://econofact.org/addressing-rising-us-debt

Sentences That Will Get You Ahead

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Sentences that will get you ahead:

  • Journaling is the most timeless and priceless form of therapy that will help you think clearly, understand yourself better, and make a better sense of life. 
  • Every second you spend comparing your life to someone else’s is a second spent wasting yours. So stop comparing and create your own definition of success instead.
  • You grow rich when you seek new experiences, not material things. 
  • You spend your entire life inside your head, so make it a good place to be. 
  • You have to believe in yourself before anyone else does. That’s the cornerstone upon which real confidence is built. 
  • Stay curious, question everything, and if you want something, ask for it.
  • The life you experience is simply a reflection of your mindset and habits. 
  • You will never lose if you never quit. 
  • Accept people for who they are and not who you want them to be.
  • The best revenge is no revenge. Improve yourself and forget they exist. 

https://x.com/seekwiser_/status/1820347918806847848

Health is Wealth

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Your physical and mental health are investable assets, not a costly liability!

The adage “health is wealth” is a paraphrase of the Roman poet Virgil’s famous comment that “the greatest wealth is health.” The adage presents the idea that your physical and mental well-being are arguably your most valuable asset.

At its core, “health is wealth” means that your physical and mental well-being are far more intrinsically important than financial wealth in the realm of life satisfaction.

It’s saying, “Yes, money is great. It can solve many problems and lead to a fantastic quality of life. But in the absence of good health, money and financial assets mean very little.”

In other words, don’t pursue wealth to the detriment of your health and well-being! After all, you can’t enjoy the financial fruits of your labor if you’re in constant pain, unable to move, struggling to breathe, going to the hospital every few months, or worrying about your health…or dead.

Only if you’re well and feel well can you take full advantage of your wealth. Moreover , staying healthy is also crucial to reaching your full financial personal and professional potential.

It’s hard to be happy when you’re unwell! Thus, chasing wealth at the expense of well-being can often backfire – especially when you realize happiness also tends to make people wealthier.

“Health is wealth” is a proverb and truism that most of us could benefit from being reminded of every now and again.

After all, it’s too easy to fall into the trap of pursuing money at all costs – forgetting that, without our physical and mental health, life really isn’t that pleasant! Furthermore, by prioritizing your health, you stand to accrue even more money in the long run (and to actually be able to enjoy it without pain, discomfort, or a lack of energy getting in the way).

Health Is Wealth: What It Means and Why It’s True

References:

  1. Danny Newman, Health Is Wealth: What It Means and Why It’s True, Wealth Tender,
    https://wealthtender.com/insights/health-is-wealth/

Financial Well-Being in America

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One out of every 15 Americans is a millionaire according to a recent UBS report. That’s 38% of all millionaires in the world.

Yet, headlines state that 58% of Americans are living paycheck to paycheck and that credit card debt is at an all-time high.

Two extremes of financial well-being in America.

The Consumer Financial Protection Bureau (CFPB) defines financial well-being as a state of being wherein a person can fully meet current and ongoing financial obligations, can feel secure in their financial future, and is able to make choices that allow them to enjoy life.

Consumer Financial Protection Bureau (CFPB) conducted the National Financial Well-Being Survey in late 2016. The findings revealed wide variation in how people feel about their financial well-being. Some subgroups fare relatively well, while a majority face greater challenges.

From 2017 to 2020, the average financial well-being score for U.S. adults increased slightly, reaching 55.

However, approximately 1 in 10 Americans still had low or very low levels of financial well-being2.

Unfortunately, recent reports indicate that financial struggles have intensified. In 2022, the average overall financial wellness score declined, and fewer workers reported being financially resilient.

Inflation has had a significant impact on financial well-being in America. When inflation hit 9.1%in June 2022, 83% of Americans were concerned about rising prices. Even though inflation has eased to around 3%, 73% still express concern.

Inflation continues to shape Americans’ sense of financial well-being and spending decisions, even as rates of inflation have eased in recent years.

References:

  1. https://www.consumerfinance.gov/consumer-tools/educator-tools/financial-well-being-resources/data-spotlight-financial-well-being-in-america-2017-2020/
  2. https://www2.deloitte.com/us/en/insights/industry/retail-distribution/consumer-behavior-trends-state-of-the-consumer-tracker/inflation-financial-wellbeing-consumer-spending-habits.html

GLP-1 — Glucagon-like peptide

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Glucagon-like peptide-1 (GLP-1) is a peptide hormone that plays a crucial role in blood sugar regulation. Let’s dive into some key points:

  1. Origin and Production:
    • GLP-1 is produced and secreted by intestinal enteroendocrine L-cells and certain neurons in the brainstem upon food consumption.
    • It derives from the posttranslational processing of the proglucagon peptide.
  2. Biologically Active Forms:
    • GLP-1 exists in two main forms: GLP-1 (7–36) amide and GLP-1 (7–37).
    • These forms enhance insulin secretion in a glucose-dependent manner, helping to lower blood sugar levels.
  3. Incretin Effect:
    • GLP-1 is an incretin, meaning it stimulates insulin release when blood glucose rises.
    • Unlike other incretins, GLP-1’s action remains effective in patients with type 2 diabetes.
  4. Degradation and Treatment:
    • Endogenous GLP-1 is rapidly degraded, resulting in low fasting plasma levels.
    • GLP-1 receptor agonists (GLP-1s) and DPP-4 inhibitors have been developed to enhance GLP-1 activity.
    • GLP-1-based treatments are associated with weight loss and a lower risk of hypoglycemia.

GLP-1 is a player in effective diabetes management!

Ballooning National Debt

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After years of steadily increasing deficits and debt, federal spending has skyrocketed, taking U.S. debt to levels not seen since World War II.

According to the U.S. Treasury, the national debt is approaching $35 trillion.

What does that mean for the country, its citizens and the future?

Many economists warn that a rapidly growing debt load could diminish U.S. economic growth, restrict government spending on vital programs (e.g., military, Medicare, Social Security, etc.) and increase the likelihood of financial crises.

Currently, interest payments on the National debt consumes a quarter of the annual fiscal budget.

High debt-to-GDP ratios can slow down economic growth, leading to lower wages, increased inflation, and higher taxes.

While the National debt of $34 trillion figure seems daunting, it’s essential to consider inflation. As the economy grows, the debt naturally increases. However, addressing the fiscal budget deficit remains crucial.

The national debt indirectly affects citizens through policies, taxes, and government spending. It influences interest rates, inflation, and overall economic stability.

Over the long-term, managing the debt sustainably is vital for future generations. Balancing spending, revenue, and economic growth will determine the country’s financial health.

References:

  1. https://www.cfr.org/backgrounder/us-national-debt-dilemma

Gratitude Quotes

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Gratitude isn’t just about saying “thank you.” It’s about appreciating the small moments, expressing kindness, and recognizing the abundance in your life.

Elie Wiesel, a Holocaust survivor and Nobel laureate, once said, “When a person doesn’t have gratitude, something is missing in his or her humanity.” His words remind us that gratitude connects us to our shared humanity and helps us appreciate life’s blessings even amidst adversity.

John D. Rockefeller, the renowned American industrialist, kept a gratitude journal. Each day, he wrote down something he was thankful for. This simple practice helped him maintain perspective and stay grounded despite his immense wealth and influence.

Research shows that practicing gratitude can lead to improved mental health, better sleep, and reduced stress. When we focus on what we’re thankful for, it shifts our mindset and rewires our brain to notice positivity.

 

Yen Carry Trade and Market Sell-Off

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A lot of money was raised in Japan at 0% interest rates and used to speculate in equities in other parts of the world.

The “Yen carry trade” refers to investors borrowing money at near-zero interest rates in Japan, and then redeploying that cash into higher-yielding assets around the world, such as stocks and bonds.

Typically, the Japanese yen carry trade is where the cheap cash raised in Japan is redirected into higher-yielding US Treasury notes, with investors collecting the difference between the interest rates set by the Bank of Japan and the Federal Reserve. But, the yen carry trade had spilled over into other assets like stocks.

On Monday, the Bank of Japan unexpectedly raised interest rates 15 basis points last week amid the prospect of rate cuts by the Federal Reserve, the yen has strengthened. That’s sparked a wave of margin calls, leading to speculators unwinding their positions and selling stocks.

The equity market selloff was to a large extent attributable to the unwind of the yen carry trade.

References:

  1. https://markets.businessinsider.com/news/stocks/stock-market-crash-yen-carry-trade-unwind-fed-japan-rates-2024-8

Success Lies in Your Mindset and Habits

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Some people stop because it’s hard while some people start because it’s hard. The difference between those who give up and those who push through challenges lie in their mindset and habits.

If you feel that you are still stuck in the same place as you were last week, last month, last year, etc etc.

Then you blame everyone and everything else as to why you aren’t where you want to be, and why you aren’t making progress, taking zero accountability for yourself which keeps you stuck in the same place.

It’s time to realize that achieving your goals and realizing your future lies within you and your ability to “think” to “achieve”.

If you are someone who’s struggling in your business, career or life goals or you are afraid to try something new….please know the only problem is you and the problem lies within you.

Harsh truth…It’s time to work on your mindset and habits..especially if you want to attain any desire goal or level you aspire to achieve!

Your mindset and habits are not in the place that allows you to try something new such as starting that online business or workout program or continued progress and success within your goals.

Instead of seeing challenges and obstacles as roadblocks, successful individuals view them as opportunities for growth and learning.

When faced with a tough situation successful people don’t back down – they rise up to the challenge to show what they are truly capable of.

It’s time to work on your habits, thoughts and mindset!

Because, It’s your thoughts, beliefs, mindset, and the consistent actions and systems you put in place that truly shape your life.

As James Clear, in his book “Atomic Habits,” said:

“You do not rise to the level of your goals. You fall to the level of your systems (habits).”

Clear emphasizes the importance of surrounding yourself with people who have the habits you want to have and empathizes the transformative potential of small, consistent improvements.

References:

  1. https://x.com/devinkkilgore/status/1817305137725235250
  2. https://jamesclear.com/quotes/you-do-not-rise-to-the-level-of-your-goals-you-fall-to-the-level-of-your-systems