This light chicken soup with added cabbage is an immune-boosting power combo that helps improve hydration, reduce inflammation and ward off bacterial infections.
INGREDIENTS
2 Tbsp. olive oil or butter½ celery stalk, sliced finely
1/2 medium onion, diced
1/3 cup mushrooms, sliced
1 tsp minced garlic
½ tsp each dried onion and parsley
A pinch of salt and ground black pepper
225 ml chicken broth
½ medium sized carrot, sliced into rounds
120 g shredded rotisserie chicken
2 cups green cabbage sliced into “noodle”
strips
Slices of fresh lemon
METHOD
Add the oil to a large pot on medium heat. Add the dried onion, diced onion, celery, carrots, mushrooms and garlic into the pot and saute for 3-4 minutes until translucent and fragrant. Add the broth, parsley, salt, and pepper. Simmer until vegetables are tender. Add the cabbage and simmer for an additional 8 to 12 minutes until the cabbage “noodles” are tender. Lastly add the cooked and shredded chicken and allow to heat through. Top with fresh lemon slices.
The cocoa and berry mix offers a healthy hit of disease fighting antioxidants – all without a gram of added sugar in sight!
INGREDIENTS
250g cream cheese, softened
1/3 cup powdered low carb sweetener
(xylitol/erythritol)
4 sachets sweetener (stevia/sucralose)
1 ½ tsp vanilla extract
1 Tbsp. cocoa powder extract
1 cup heavy cream
Fresh raspberries, strawberries or blueberries
to garnish
METHOD
Beat cream cheese until smooth. Mix in erythritol, sweetener, cocoa and vanilla extract until well combined. In separate bowl, beat heavy cream with mixer until stiff peaks form. Fold half of the whipped cream into cream cheese mixture until well incorporated. Fold in the other half of the whipped cream. Beat with an electric mixer on high until light and fluffy. Refrigerate for at least two hours. Pipe or spoon into individual serving dishes. Top with fresh berries or fruit of choice.
Sweet potatoes are loaded with gut friendly fibre as well as being an impressive source of immune-boosting Vitamin A and Vitamin C.
INGREDIENTS
1-2 Tbsp coconut or olive oil
500 g sweet potatoes, cleaned and wedged
1/2 tsp paprika
1/2 tsp garlic powder
1/2 tsp sea salt
1/4 tsp black pepper
Toppings/sides:
Mashed avocado
Diced tomato and red onion
Plain Greek yoghurt + sour cream blend
METHOD
Preheat oven to 230 C. Scrub the sweet potatoes clean. Cut the potatoes into wedges – first, cut off the ends. Then, cut the potato in half. Cut each half in half, lengthwise. Finally, cut them into 4-5 wedges, lengthwise again. Rinse the wedges with cold water for 10-15 seconds and pat dry. In a large bowl, mix the oil with the seasonings. Toss the wedges with the seasoned oil, using your hands to coat each one. Spread them out on a parchment paper-lined baking sheet that has been lightly greased. They should have ample room and not be touching. Bake them for 20 minutes. Flip them over and bake for another 10-15 minutes. Watch them closely those last few minutes, they should be dark golden brown, not black. Cool a bit and enjoy!
Fostering good habits can be the key to achieving your goals. Here are 5 simple habits that will improve your health and investment outcomes:
1. Seek Ongoing Professional Advice
Consulting a dietician or personal trainer upfront to construct a diet and exercise regime that is appropriate for your goals, although coming at a cost, will save you much frustration and drastically increase your chance of success. Their role is to set achievable goals and appropriate programs to follow to which they will hold you accountable. The interaction should be regular as they can check up on your progress and tweak your program over time (which is especially important should you reach a plateau). Having someone to report back to means that you will be more likely to be engaged and committed.
The same is true for investments. Consulting a Certified Financial Planner® professional will enable you to set up a suitable investment strategy that is affordable and most importantly, one that you can stick with. Active, regular engagement is crucial to prompt you to keep putting funds away when possible (and opportune!) and to help you stay the course. At the same time, a Certified Financial Planner® professional will review the long-term performance and makeup of your portfolio and make suitable recommendations on a forward-looking basis.
As investment returns do not come in a straight line, but rather in a lumpy fashion, staying invested in your strategy is the most important determinant of success. To do so requires emotional control and not making impulsive decisions when investments are down or volatile. A Certified Financial Planner® professional can act as a rational sounding board, to talk through your concerns and to give you additional insight enabling you to avoid costly missteps.
2. Diversification – the only free lunch!
Although there are myriad diets and nutrition options available, a well-balanced diet is essential for good long-term health. This can be in the form of balancing your macronutrients (protein, carbohydrates and fats) or including a balanced variety of fruits and vegetables in your diet.
In a similar way, when it comes to investments, diversification is crucial in building a robust portfolio that can withstand the ups and downs of different business, economic and market cycles. Appropriate diversification allows you to achieve your desired goals whilst lowering the risk of permanent capital loss and reducing the ups and downs of your portfolio.
Investment diversification involves balancing your asset class exposure (local and offshore) between shares (equities), cash, bonds and property. The ideal balance depends on your investment objective, your investment time horizon, your ability to tolerate fluctuations, and your financial capacity to take on risk. You may further diversify between active fund managers, who choose the shares that you are invested in, or passive low-cost index tracking investments. When employing the services of an active fund manager it is beneficial from a risk/return perspective to blend fund managers with different investment styles such as growth and value.
3. Consistency
Being continually conscious and discerning about what you put into your body whilst being consistent with your exercise routine is the only way to achieve your long-term health goals. The same is true for investments. By setting up a regular contribution with an automatic annual increase together with a reminder to top up your retirement annuity or tax-free savings plan before the end of the tax year, you will be amazed how much sooner you will see results.
4. Think Long-Term
In today’s technological age of streaming and 24-hour delivery services we all want instantaneous results. Unfortunately, when it comes to your health and investments it takes time to see these results.
Once the appropriate investment portfolio has been implemented then the next step, which is probably the most difficult, is to stick with the strategy and give it time. This requires patience and immense self-control. Like a new diet or exercise plan, the biggest risk to not achieving your goal is that you abandon your plan along the way because you are not seeing the results soon enough. This may happen because you are investing sporadically, evaluating returns over too short a period (most fund managers invest with a 5 to 10 year time horizon) or falling prey to making emotional decisions.
Of course, a very real problem may be that you cannot stomach the ups and downs of your portfolio. This may require a meeting with your Certified Financial Planner® professional to ensure that your portfolio is in line with your risk tolerance level and a tweak or two may be needed. Another strategy is to only look at your investments once a year, after all, the less frequently you look at an investment the less volatile it will become!
5. Always Look Forward!
We all have binge days when we overeat or periods when we do not exercise. Fixating on those times can create feelings of guilt making it difficult to move forward. Remember, we cannot change the past and the only thing that we have control over is what we do today and going forward. With investments it can be very tempting to base decisions on historic short term investment performance making it enticing to change your portfolio to follow last year’s best performer or to abandon ship when things are down. This behaviour can be very costly over time as last year’s outperformer can sometimes be next year’s underperformer. By not giving investments time to deliver you can miss out when things pick up. Rather make investment decisions looking forward asking the following 3 questions:
Is my portfolio still appropriate for my objectives and risk appetite?
Is my portfolio well diversified locally and offshore, between asset classes and quality fund managers with complementary investment styles?
Do I need to put more away to make achieving my goals more likely?
The principles of investing are straightforward but implementing them is not. Like any diet or exercise training program, investing requires sacrifice now to benefit your future self. At the same time, avoiding costly missteps requires mastery of your behaviour and an understanding of the common pitfalls that can catch you out. Following the 5 habits above will help you navigate your health and investment journey, significantly improving the chances of a successful outcome.
Nicholas is an Actuary and Certified Financial Planner® professional specialising in retirement planning and investments whilst helping people protect their and their family’s financial well-being. Please follow Nicholas at https://nicholasbezuidenhout.com/ and https://twitter.com/nick_bez
The first step to financial wellness is to create disposable income to invest for the future and to stay out of unhealthy debt. To create disposable income, you need to earn more and/or spend less. This is similar to any weight loss plan where getting in shape, no matter what nutrition or exercise regime you choose to follow, ultimately involves the hard work of moving more and eating less.
You may earn more by creating an additional source of income or taking steps to earn a higher salary but this is not always that easy so we will focus here on ways to spend less. So, what are two common behaviour traps that lead us to getting into debt or spending more than we should and how can we sidestep these?
1. Pain avoidance
When it comes to going to the gym or exercising, we will often find any excuse not to do it because initially it is very sweaty and uncomfortable! This is like paying for something with cash or our debit card where we see the money go out of our wallets or bank balance, causing immediate physical discomfort. The discomfort happens because we realise that the money we just spent was actually ours and we start wondering whether spending R18 000 on the new iPhone 12 was actually worth the number of working hours, days or months it took to earn the money! It also results in us going through the uncomfortable thought process of considering what else we could have spent the money on and what we have sacrificed for this purchase, known as the “opportunity cost” – will there still be enough in our bank account to cover the rest of our debit orders, our kids’ school fees, our groceries?
Because of this emotional rollercoaster it is so much easier to whip out the credit card or the payment app on our phone, like a cowboy at the O.K. Corral, to buy what we want whenever we want. The reason this is so easy is because firstly and at least initially our bank balance stays the same and it is not our money that we are spending. Credit cards have enabled us to have immediate gratification with the pain of paying coming much later.
This is not a problem if you are able to pay off your credit card every month but all too often our credit card balances keep growing until the interest alone costs us thousands every month. Credit cards do have their purposes for emergencies such as paying for emergency medicines or the tow truck when we breakdown in the middle of nowhere, but they should really be limited to that – emergency expenses only!
If you want to get your spending in control then do what you can to avoid spending on credit, put your credit card (wrapped in plastic) in a block of ice in the freezer, lock it away in the safe or give it to your trustworthy and ferocious mother-in-law for safe keeping and get into the habit of only spending with the money you have saved up in your wallet or in your bank account via your debit card (please cancel or avoid the overdraft facility!). The truth is that, like exercise, once you get into the habit and have passed the initial period of discomfort it is extremely fulfilling as you start to see results, your bank balance growing instead of shrinking, and as you come to realise that you are indeed in control of your own behaviour. You will also become an expert in weighing up whether it is worthwhile to spend money on something as you realise that every decision to buy something is a decision to sacrifice something else.
2. Relativity – Sales, special offers and get-one-free deals
Whilst sales and special offers sound enticing, we usually fall into the marketing trap of buying things we don’t actually want or buying far more than we need. We end up spending way more money than we intended just to save a percentage on the additional item.
For example, you go to the grocery store in search of guacamole for your once-a-month home nacho and movie night and when you arrive at the aisle 5 shelf, proudly displaying the guacamole, you see that there is a special: buy two get one free! This is too compelling to resist, as in effect you are getting one third off, and you end up spending twice the amount of money that you intended to because let’s face it, you actually only needed one tub for nacho night! Aside from reducing your bank balance you also end up either overeating or with some mouldy guacamole after a few days!
Having said this, specials and buy bulk and save items have their place if they are offered on essential items such as toilet paper and toothpaste and you are getting a discount on the usual price by buying more. To decide whether to go for these specials we need to become experts in what is known as the “time value of money”. For example, if buy buying 10 family packs of toilet paper gives you a 5% saving, knowing you will only use it over a year, is it worth it when you could have taken the money for the other 9 packs and paid off some of your long overdue credit card debt saving interest of 16% over a year? As a rule of thumb, if you are going to use the item in the next year and the discount is less than 10% it may be best to only buy it when you next need it!
Now, imagine if these sales and special offers inadvertently cause you to buy more than you need a few times a week, you can very easily end up spending hundreds or thousands of Rands more that would be better put towards reducing debt or saving for your future goals and dreams!
Nicholas is an Actuary and Certified Financial Planner® professional specialising in retirement planning and investments whilst helping people protect their and their family’s financial well-being. Please follow Nicholas at https://nicholasbezuidenhout.com/ and https://twitter.com/nick_bez
Proper breathing can make the world of difference when running. Whether you are just starting out or you’ve been running for years, chances are, you’ve often struggled with your breathing.
Now, we get that our hamstrings, quads and calves are the driving force that propel us forward, but the power of your breath is more important than you realise. In fact, getting your breathing right will not only make your running more enjoyable but it will make you a stronger, better runner. Meaning you can run harder for longer.
The science behind breathing
Many runners start out not knowing the importance of breathing correctly. The right breathing technique is vital as a runner. It differentiates rookies from experts. But far too few runners are actually aware of how their breathing impacts their running, not to mention how the body works when we breathe.
When we breathe in, our diaphragm will contract and the lungs will expand – basic science. Breathing in allows oxygen into the body, an important gas that our muscles need to generate energy. We thus inhale oxygen and exhale carbon dioxide. When carbon dioxide accumulates in the body, it can lead to breathlessness and anxiety, making any run feel incredibly strenuous and hard.
How to breathe right to run better
The first thing you need to pay attention to so that you can properly examine the efficacy of your breathing technique (apart from gasping for air like a fish out of water), is assessing whether or not you are using your diaphragm effectively. Some signs include:
Pain or tightness in your upper body while running
Flared ribs or an arched back
Paradoxical breathing – your stomach rises when exhaling and compresses when inhaling
All of the above signs indicate an issue with your breathing efficacy. When you bring awareness to your breathing technique, this will enable you to create a calmer mind, steadier pace and help you to endure high-pressure race scenarios. Focusing on a good breathing technique will give you the power you need to fight any fatigue you might experience and maintain a proper form.
Did you know that the common reason why we gasp for air when we run is because we have not regulated our body’s response to running and our heightened state of breathing? Instead of reacting in a ‘fight or flight’ manner, we need to adapt our way of thinking to be ‘rest and remain calm’.
When we react in a stressful manner to running (i.e. heavy breathing, gasping for air, feeling light-headed), this will impact your lungs and heart, which in turn, means you cannot run without reaching your ventilatory threshold, this is the point at which you cannot breathe in oxygen quickly or deeply enough to meet your body’s demand. When nearing this point, our body’s stress response will kick in and result in struggle and panic. It’s a vicious cycle.
Breathing with your belly and not your chest
Deep belly breathing is the correct breathing technique to use when running, also known as diaphragmatic breathing. This will result in a maximum oxygen intake compared to shallow chest breathing. Your maximum oxygen intake is known as your VO2 max – this is the maximum rate of oxygen your body can use when exercising. The higher this value is, the more oxygen your body is able to consume and the more effectively the body can use oxygen to generate energy.
The air we breathe in will remain in our lungs for a short period of time, which will prevent the complete exchange of air, thus reducing the oxygen intake. When our breathing technique is poor, it can not only result in unnecessary fatigue but also the common side stitch so many runners experience. Deep belly breathing allows for increased oxygen intake and prevents side stitches.
Here’s how to do it…
For a few minutes before your run (you can also practise this at random during the day), lie down on a comfortable surface, placing your hand on your belly. Take a few slow, deep breaths, ensuring your belly naturally lifts your hand when inhaling and your hand sinks when exhaling. Once you are comfortable with this technique, you can practise it when moving around and running at a comfortable pace.
Pay attention to your form
Make sure you also pay attention to your posture when running. Your upper body should be straight, shoulders relaxed (not hunched forward) and your head should be in line with your body, not pushed forward.
Applying deep belly breathing to your running: Rhythmic breathing
Experienced runners know about rhythmic breathing. This is breathing in a pattern which allows you to increase your oxygen intake and result in your body being in a more relaxed state. Remember, every time your foot hits the ground, your body experiences stress associated with this impact. It’s your job to control how your body reacts to this stress.
An expert trick is to alternate exhales between your left and right foot. This form of rhythmic breathing will allow for less pressure to be placed on your diaphragm and balance the impact between both sides of the body.
Following a 3:2 pattern allows you to focus on your breathing and lessen the stress your body experiences. This means you will inhale for three strides and exhale for two. If you increase your pace, you can change the pattern to be 2:1 – Allowing your body to take in more oxygen and quickly expel the carbon dioxide.
The final stride
Following these expert tips will improve your running, lessen the stressful impact of running on your body and help make your running more enjoyable.
A word from RunMalibu
This blog was written by WellBe&Co in collaboration with RunMalibu. WellBe&Co is a personal and corporate wellness company specializing in easy-to-implement, lifestyle-focused nutrition, training and health solutions.
Our outlook on finding the right balance and mindset to let stress help you rise to the occasion.
Stress has become such a natural thing in our lives, don’t you think? Just be honest with your inner mean girl for a second here, okay? When we hear a friend or colleague complaining about the stress they’re feeling, it’s usually met with an internal “well, yes, aren’t we all?”. Maybe it’s because everybody is complaining about being stressed, having a little chin wobble over it and then carrying on with business as usual.
This doesn’t make you an awful person (although a little self-reflection never hurt anybody). What it does mean, is that stress has become so normalized that complaining about it doesn’t really evoke any response. This is, as the global decline in overall mental health and the increase in burnout, anxiety and depression show, becoming glaringly dangerous.
Stress from the start
We aren’t scientists or anthropologists but we do know that understanding the original function of stress can shift your perception of how you choose to let stress into your life.
Stress is one of our most primal instincts. It is a modifying response to threatening situations. When we say modifying we mean that when stress enters the body, our behaviour adapts to react appropriately to the situation. Our behaviour is altered by a flood of chemicals and hormones to get us out of danger as quickly as possible.
Except, we’re not in danger all the time anymore.
Compared to the bloodbath that is human history, the majority of us live relatively safe lives. We rarely have to fend off animals far bigger than us and we don’t get sent into the trenches to fight for our Queen. What we’re experiencing in the modern-day, is prolonged exposure to stress in environments that don’t pose any mortal danger: our offices, homes and cities.
(If this made you feel a little existential, we have a blog about snapping out of it and embracing the world we live in)
It goes without saying that there are populations who experience tremendous physical danger and threats in their daily lives, that’s a given. However, the tigers our ancestors were used to encountering now take the form of bosses, high-strung colleagues and late credit card bills.
You see, our environment and society have changed faster than our biology has, meaning that our bodies still react the same way to stress whether the circumstance is a real threat or not.
Stress today
What are some of the external factors that cause stress in the daily life of a modern person? With technology, the economy and increasingly pressurised social lives, it seems that stress is blasting from all angles:
Health concerns
Deadlines (erg)
Family drama
The pressure to succeed and achieve (socially and financially)
Devices that always demand your attention
Financial obligations (can we put this on the list ten times?)
FOMO
Option fatigue
Am I too stressed?
Statistically, probably.
Today, burnout seems to be the end result of being too stressed and although burnout isn’t a medical diagnosis, it can lead to serious bouts of depression and physical health issues. Some signs of burnout may include:
Negative thoughts about others and more importantly, yourself.
You should not rely on this blog as a replacement for professional mental health services, diagnosis or treatment. If you have any concerns about your physical or mental health, you should always consult with a health-care professional.
Finding the balance to beat the burnout
Here’s where we explore how you can find balance in your life by paying attention to how stress exists in your body, mind and finances. Taking control of your stress means facing it head-on and not treating it as the enemy. Stress is always going to be in our bodies – it is a natural response that doesn’t come about because we asked it to. What is going to make the difference, is how we re-wire our thoughts about stress and how we manage it.
Body balance
We know, we know. Even thinking of finding the time to move your body makes you stress out but we’re here to tell you, that’s a mistake. You need to find time to get your blood pumping, even if it seems like you’re giving up precious time that could be used for finishing up loose ends at work or responding to emails. No! Even a small workout will help shed excess adrenaline and cortisol from the body, leaving you in a relaxed but energised state.
Movement is medicine and we couldn’t be more sure of that.
Money balance
Face your finances. You are more likely to be stressed out about the ideas you have about the state of your finances than the actual facts and figures. This is the problem with modern-day stress – we assume the worst without doing the research.
Have a budget, have a savings account and have a backup plan. Most of us know the basics of money from a young age and understanding money is how we make it less scary. Work with compound interest, spend way less than you make and make the effort to use your money for something good and kind.
Mind balance
This is where the magic happens, we believe. Changing how you feel about stress is going to change how stress impacts your life and even your health.
When we feel under stress, we immediately retreat inwards and think of it as a negative situation. Imagine if every time you were stressed, you appreciate what your body was trying to do for you: help you rise to the occasion. Stress was never created to debilitate us and when we see stress as a tool instead of a hindrance, we may find the emotion takes less of a toll on our mental and physical health.
Through the sharing of knowledge and experience, we want to help build communities and individuals become the most optimal version of themselves both physically and mentally.
Your health is your wealth so make lasting changes, one habit at a time.
