Zoomers have watched millennials struggle with a wage gap that’s made home buying in its traditional sense, unattainable.
Compared to Baby Boomers at the same age, millennials own eight times less American real estate and spend 39% more on a first home. Faced with the same challenges, Gen Z is marking their fate by redefining what homeownership means.
Instead of purchasing a home to live in, they’re leveraging crowdfunding and the sharing economy to take ownership in houses, buildings, and even commercial properties for as little as $1.
Simply put, they’ve realized being a homeowner doesn’t mean they have to live where they’ve invested.
In fact, there are advantages to not going all-in on one property.
In traditional homeownership, the process is stressful, drawn-out, and brings heaps of responsibilities like mortgage payments, property tax, maintenance, and insurance.
By not living where they invest, Gen Z is realizing the benefits of a lucrative long-term investment without giving up the freedoms they enjoy now: tickets to an unforgettable concert, a closet full of luxe yet sustainable fashion, dinners out, travel, and the latest gaming system.
They get the capital appreciation while someone else deals with landlord responsibilities.
Realizing real-estate investing is no longer reserved for the wealthy elite, Zoomers are bringing the market out from behind locked doors and into the community.
The pandemic helped spark new interest in investing. Confined to their homes and concerned about their future, young investors took to their devices to educate themselves and make their money work for them.
Instead of looking to legacy financial institutions for help, Zoomers are building online communities on Reddit and Discord and using their influence to educate their peers on what they learn on TikTok.
These online communities allow Gen Z to ask questions in a way they’re comfortable with, lurk and engage on their own terms.
Ever-mindful of the power of tech to disrupt how things have traditionally been done, they are using the internet to democratize investing and bring their peers into the fold.
Transparency is the priority and authority takes a backseat to the community.
Under Gen Z’s influence, exclusivity is out; inclusive investing is in.
They’re sharing the wealth
Gen Z wants everything from their employers to their purchases to reflect their values – and real-estate investments are no different.
Instead of thinking of how their purchases can benefit themselves, they’re looking at how they can benefit others and the world around them.
I saw this recently when a community of young investors teamed up to invest in a 105 unit rental in Mission, British Columbia. Designed and built for long-term rental housing, it will also include 11 affordable housing units.
Consumption is being redefined as an act of activism, changing the world through purchase power – and that’s a good thing.
When people are shut out from an entire market, they get the message that the future they dreamed of isn’t possible.
Elsa Deen was born and raised in a small village outside of Cebu, Philippines.
Anyone who has ever been to the Philippines or knows someone who has will understand the abject poverty that many people in that part of the world, live in.
Elsa was taught at a young age how important family is and to always respect your parents no matter what.
She began working around the age of 12 to help her parents out and she continues to help them out by sending them money that she earns from her massage therapy business, including to other relatives in the Philippines.
She is one of the most unselfish and hard-working people that you will ever meet.
Elsa came to the United States in 2013 after marrying an American, which is the only way most people from the Philippines can emigrate here, and moved to Saint Louis.
Her husband tragically died and Elsa was left alone with her 4 kids wondering what to do.
She remarried 6 years ago and has 2 additional children with her new husband and decided to go to school for massage therapy.
She graduated in 2016 and received her certificate as a Certified Massage Therapist.
Later in 2016, Elsa set up her own massage therapy business known as True Touch Massage in Creve Coeur, MO.
Elsa came up with the name True Touch because she was told by several students at her massage therapy school that she really has the gift of touch to help heal any injuries or other physical problems you may have.
She is very attentive to detail and has strong hands for deep tissue massage and reflexology.
She has the ability to help you relax which also helps with any mental or emotional stress that you may be going through including Post-traumatic Stress and grief.
Massage Therapy has also received attention from the prestigious Mayo Clinic.
An article published in January 2021 goes into detail about all of the many benefits of massage therapy. CLICK HERE to read.
Elsa could have worked for one of the national chains in massage therapy but she wanted to be in business for herself and take care of her clients her way, not someone else’s.
Her clients have immense respect for her not just as a massage therapist, but as the beautiful, hard-working, and unselfish person, that she is.
Massage therapy is not only effective for physical problems including Degenerative Disc Disease, Spinal Arthritis, Herniated Disc(s), Spinal Stenosis, and, Osteoporosis but also for mental and emotional issues like Post Traumatic Stress, Grief, and Anxiety.
Elsa makes you feel comfortable and relaxed for your massage and every massage is just as good as the very first one.
Massage therapy use to be referred to as a luxury or pampering yourself.
Those caregivers like Elsa Deen in the Healing Arts Business would disagree with you from day one.
They know how important massage therapy is to your overall health and wellness and they understand that society has put a label on massage therapy that could not further from the truth.
Everyone should incorporate massage therapy into their overall healthcare routine and not just those who are suffering from physical, mental, or emotional issues.
Massage therapy has proven to be effective at preventing injuries as well as healing injuries. CLICK HERE for the report.
The majority of people sit down during the daytime whether at work or at home and as the years go on, more and more people will be suffering from back problems, in particular, because gravity has a way of compacting on your spinal discs over time and as you age.
Taking care of your back, glutes, and lower body will become a necessity with massage therapy unless you want to take the option of opioids.
Exercise and proper stretching are also necessary especially for those living a sedentary lifestyle.
Elsa Deen will be here to help you with massage therapy. The rest will be up to you.
Elsa Deen has the touch, the True Touch, that makes her the best massage therapist in Saint Louis.
When Amy Buttell separated from her husband in 2005, her anxiety spiked off the charts. A suddenly single mother, Buttell didn’t have a lot of money to throw around. Still, in the wake of her marital upheaval, she made massage a priority. It helped her weather the storm, she says, and today, she still finds that getting one or two massages a month helps keep stress at bay. And that helps her defend against physiological tension, too.
“When I’m anxious, I feel all clenched up,” says the 49-year-old marketing communications director from Erie, Pa. “My massage therapist untangles my knots.” Like many people, Buttell values not only the hands-on healing but also the opportunity to power down her brain and nervous system for an hour or so. “Even if I’m short on money,” she says, “I find a way to make it happen.”
Buttell is not alone. Despite massage’s reputation as a self-indulgent luxury, an increasing number of people are embracing it — not just as a “spa treatment,” but as a powerful therapeutic tool.
Americans currently log more than 114 million trips to massage therapists every year. Massage therapists are the second most visited complementary and alternative medicine providers behind chiropractors. All told, Americans spend up to $11 billion a year on massage. And statistics from the American Massage Therapy Association project that over the next five years, that number is likely to grow considerably.
What we’re getting for our money, whether we realize it or not, is an access code of sorts — a healing key capable of opening the body’s stickiest locks.
Scrunching our shoulders, craning our necks, sitting for hours, driving in rush-hour traffic — such mundane activities can create patterns of muscle tension (referred to as “holding”) in the body. And when muscles are chronically tense or tweaked, it can have a nasty effect on both our bodies and our minds.
Persistent musculoskeletal tension can restrict blood circulation and nutrient supplies to the body’s organs and tissues. As the weblike connective tissue (fascia) that envelops the muscles gets increasingly dense and less mobile, it can negatively affect posture and breathing. The experience of low-grade, habitual tension can contribute to chronic hormonal, biochemical, and neurological problems of all kinds.
In conventional medicine, double-blind, placebo-controlled studies are the gold standard. But massage and most other forms of bodywork don’t lend themselves well to such studies. Therefore, scientific “proof,” both for massage’s efficacy and its means of function, runs a little thin. But convincing clinical evidence is accumulating.
For example, in 2004, Christopher Moyer, Ph.D., a psychologist at the University of Wisconsin–Stout, published a meta-analysis on massage therapy research and found that, on average, research subjects who received massage had a lower level of anxiety than those who did not.
“My research consistently finds that massage does have an impact on anxiety,” says Moyer. “We don’t know exactly why, but people who get massage have less anxiety afterward.”
One popular explanation is that massage lowers the body’s levels of cortisol, the hormone notorious for triggering the body’s fight-or-flight response. “No matter how we measure cortisol — in saliva or urine — or how often, we always find that massage has a beneficial effect,” says Tiffany Field, PhD, a researcher at the Touch Research Institute at the University of Miami’s Miller School of Medicine.
Although Moyer is yet to be convinced of the cortisol connection, both he and Field agree that massage is potentially very therapeutic for what’s known as “state” anxiety. Unlike generalized anxiety disorders, state anxiety is a reaction to something you can pinpoint, such as a troubling or traumatic event, circumstance, or setting.
Although more research is needed, says Moyer, “some experts posit that the reported alleviation of state anxiety could be a result of something as simple as the social and psychological environment where the massage takes place.”
Relieve Lower-Back Pain
Aside from stress, if there’s one thing that drives people to the massage table in droves, it’s pain. Especially lower-back pain, which up to 85 percent of Americans experience at some point during their lives.
In 2008, the Cochrane Collaboration (a global, independent, nonprofit organization that reviews the usefulness of healthcare interventions) published an examination of the evidence linking massage to relieving lower back pain. Reviewing 13 clinical trials, they found massage to be a promising treatment.
“Physical pain is like the alarm system of a house,” says Andrea Furlan, Ph.D., a clinical epidemiologist who specializes in massage at the Institute for Work & Health in Toronto. “With acute pain, like a burn or a broken bone, the pain signal indicates something is wrong. But, if you have pain every day, like chronic back pain, the alarm is malfunctioning. Massage may not be able to turn off the alarm, but it can lower the volume.”
Theories abound on how massage interrupts the body’s pain loop. One of the oldest and most well-regarded explanations is called the gate-control theory. Proponents surmise that pain signals to the brain are muffled by competing stimuli. More specifically, the pain travels on small-diameter nerve fibers, while massage stimulates large-diameter ones. Larger nerve fibers relay messages to the brain faster than smaller ones. In essence, says Furlan, the sensation of the massage “wins” over the sensation of pain.
One word of advice from fitness experts, though: You’ll get more lasting, long-term relief of lower back pain by supplementing massage with isometric core exercises, such as planks, that focus on strengthening the muscles that support and guide the spine’s movements.
Soothe Tension Headaches
Tension leads to headaches, so it follows that massage would help ease them. And for many, trigger-point therapy can prove particularly effective.
“A trigger point is an area of tightly contracted muscle tissue,” says Albert Moraska, Ph.D., a researcher focused on complementary medicine at the University of Colorado in Denver. “Trigger points in the shoulder and neck refer [relay] pain to the head. By reducing the activity of trigger points, we can reduce headaches.”
Moraska’s work, funded by the National Center for Complementary and Alternative Medicine, explores how massaging the neck and shoulders can ease tension-type headaches. “We think massage can disrupt trigger points by forcing apart the tightly contracted sarcomeres (proteins responsible for contraction) within the muscle cells; as a result, the cells relax and subsequently muscle tension dissipates.”
Restore Deep Sleep
Roughly one in five Americans suffer from sleep deprivation, according to the American Academy of Sleep Medicine. That’s a problem because lack of sleep alters the body’s biochemistry, making it more vulnerable to inflammation and lowered immunity, and more sensitive to pain.
“The relationship between pain and sleep deprivation is a vicious cycle,” says Tiffany Field. “Your body doesn’t get the rest it needs to heal.”
Although studies of massage therapy and sleep quality are few, the findings suggest that massage can promote deeper, less disturbed sleep, especially in people with painful chronic conditions such as fibromyalgia. Massage therapy indirectly promotes good sleep by relieving pain and encouraging relaxation.
Because massage therapy stimulates the body’s parasympathetic “rest-and-relax” nervous system (the opposite of its sympathetic “fight-or-flight” response), it counters both physical and mental stresses — giving you a better shot at enjoying the sleep you need to repair tissue during the night and to cope better during the day.
It may seem surprising that physically manipulating the body can help counter a malady we associate with the brain. But, in his oft-cited 2004 review, Christopher Moyer found that depression is particularly responsive to massage.
The average research subject who received massage had a level of depression that was lower than 73 percent of those who did not. These findings are on par with more conventional approaches to treating depression, including psychotherapy.
Field’s research on depression shows that massage boosts the body’s natural levels of serotonin, a substance that works “much like Prozac” in the brain. Her studies show that massage also encourages the brain to release the neurotransmitter dopamine, a mood enhancer, as well as oxytocin, a hormone that generates feelings of contentment.
While the exact mechanisms are unclear, it seems evident that a good massage has a variety of positive psychological implications as well, from receiving nurturing touch from another person, anticipating that the experience will be beneficial, or feeling empathy from the therapist.
Lower Blood Pressure
Given how positively it affects the rest of the body and mind, and how well it moderates stress, it probably comes as no surprise that massage therapy can also benefit the heart — in part by reducing blood pressure. In his meta-analysis, Moyer found that massage significantly lowers blood pressure, at least temporarily.
He notes that the findings are consistent with the theory that massage can trigger the body’s parasympathetic nervous system, which helps prompt the body to return to biochemical balance and emotional ease after enduring a stressful event.
But perhaps the bigger takeaway here is that massage can help unlock the body’s healing potential not by anyone means, but rather by many. As epidemiologist Andrea Furlan points out, “Well before drugs or surgical procedures were developed, people used massage to treat almost everything.” Still, today, she notes, “when we get hurt, our first instinct is to rub.”
Amy Buttell, for one, doesn’t need any more evidence than her own transformation. “I don’t know if it’s the touch, the warm table, or the fact that I get to turn my phone off for an hour, but I do know that massage is worth every penny.”
Multiple Modalities: What Kind of Massage Is Right for You?
Not so long ago, available massage styles in most U.S. cities were fairly limited. Today, bodywork modalities abound, from familiar basics like Swedish to more exotic options like Hawaiian Lomi Lomi and Chinese Tui Na. Wondering which style of massage is right for you? Read on for a rundown of some of the most popular options. Some massage styles are more physically intense than others but keep in mind, you always have a role in guiding your therapist about how much pressure feels good to you and where it’s applied.
Abhyanga: Based on the principles of Ayurveda, one or more therapists apply herb-infused oils to usher the body into a state of relaxation and balance.
Acupressure: Working with the same theory of acupuncture (but without the needles), acupressure stimulates points on the body to release energetic congestion and open the body’s energy pathways.
Craniosacral therapy: A gentle, non-invasive form of massage in which a therapist uses a light touch to work the cranial bones, the spinal column, and the sacrum (a triangular bone at the base of the spine) to balance energy, treat headaches, and reduce mental stress. Mild enough for infants, as well as the elderly.
Deep tissue: Targeting chronic patterns of holding, deep tissue relies on slow strokes and targeted pressure, often with a finger, thumb, or elbow.
Hot stone: Smooth, warm stones are placed on the body and become focal points of relaxation as the heat penetrates and soothes tense muscles.
Lomi Lomi: An ancient Polynesian practice, this style is characterized by the practitioner’s rhythmic use of the hands, forearms, and elbows. Long, broad strokes invite relaxation.
Myofascial release: A light, sustained pressure is applied to constrictions in the body’s fascia, or connective tissue, to elicit elongation and release.
Reflexology: Stimulates pressure points on the hands, feet, and ears. Each point is believed to correspond to other, less-accessible parts of the body, such as the organs.
Shiatsu: A Japanese style, shiatsu directs pressure to lines of energy (meridians) considered important for health and well-being.
Sports: Often used before and after athletic activity, the focus is on reducing inflammation, keeping joints flexible, and enhancing performance.
Swedish: A combination of long, gliding strokes, as well as kneading, stretching, and tapping. Swedish massage is thought to enhance health by increasing blood flow to the muscles.
Thai: Performed on the floor with clothes on and no oils, a Thai massage involves being stretched into yoga-like positions.
Trigger-point therapy: Trigger points often show up as “knots” in the muscles, most often in the shoulders, upper back, and neck. Trigger points are different from acupressure points because they actually feel like lumps. Trigger-point therapy (also known as neuromuscular therapy) uses pressure to dissolve the knots.
Tui Na: A vigorous kneading and pulling of the body, Tui Na (meaning push and grab) is a component of Traditional Chinese Medicine. Like other Eastern approaches, such as Thai massage and acupressure, the goal is to open up the flow of Qi through the body’s energy pathways or meridians.
How to Choose a Massage Therapist
Finding a truly great massage practitioner — one whose skills, style, and personality all suit you — can make the difference between a merely nice (or worse, ho-hum) experience and the kind of transformative healing dynamic that keeps you coming back for more.
You won’t know for sure until you get on the table, but here are some key questions to help you decide whether a therapist is right for you.
1. Are you nationally certified? More than 300 schools and programs in the United States offer accreditation for massage therapists. To become nationally certified, a person must have a basic set of skills, pass an exam, adhere to certain ethical guidelines, and take part in continuing education.
2. Are you state certified? Every state is different, but most of them (42, plus the District of Columbia) offer certification for massage therapists; some are voluntary, and others are mandatory. Seek out a massage therapist who is state-certified, which typically means he or she met a minimum number of training hours and passed an exam.
3. How many hours of training have you completed? This is a helpful question, especially in states lacking strict oversight of who can call themselves a massage therapist. The answer you’re looking for is a minimum of 500 hours. According to the American Massage Therapy Association, the average practitioner has 633 hours of training. A massage therapist with less than 500 hours of training can still be good, but consider the number a benchmark.
4. Do you have any special or advanced training? The best massage therapists spend years developing specialties and honing a specific skill set. The massage therapist who is passionate about Chinese meridians and spends several weeks a year going to special training may have an edge over the generalist who hasn’t evolved beyond the basic moves she learned in massage school. The same goes if you have special needs. For instance, a massage therapist who emphasizes sports massage might be a good bet if you have a weekend-warrior injury, but not if you have fibromyalgia.
5. How much do you charge? Expect to pay roughly $1 a minute for a chair massage at the mall or airport. At an upscale spa or studio, massage rates range from about $60 to $120 an hour, plus a 15 to 20 percent tip. (Sometimes, packages of four or six massages are available at a discount.) If you have health insurance, ask your provider if you are eligible for either a discount (available with some plan-approved therapists) or if you can pay for massage with money from a flexible spending account. Unless you have the Mercedes-Benz of healthcare plans, preventive massage is probably not covered 100 percent, but if your doctor or chiropractor recommends massage therapy, your plan might cover a specific number of sessions.
One final tip: Get a referral. It’s OK to be picky about who puts their hands on your body. If you’re feeling spontaneous and want to book a one-time massage at a local spa, great. But if you’d like to explore massage as a long-term investment in your body, or if you have some tenacious kinks to work out and you think you might need a series of treatments, talk to your friends about whom they like and why. If your friends don’t get a massage, ask for a recommendation at your local yoga studio, health club, acupuncture center, or chiropractor’s office. More often than not, these folks are plugged into the local “who’s who” of bodyworkers and can steer you in the right direction.
Federal Covid-19 relief programs may be winding down or–in the case of the Paycheck Protection Program–over, but chances are, your business might still need aid.
Half of the country’s smallest businesses continue to struggle with the economic impacts of the pandemic, according to a June report by Yahoo Small Business. The survey also found that just 38 percent of microbusinesses–defined as those with fewer than five employees–received government support during the pandemic, with 85 percent saying they relied on community assistance to keep them afloat.
If your company still needs financial support, consider tapping state and local small-business relief programs. Many of these programs were launched early in the pandemic, but they still have funds available. The American Rescue Plan Act, which President Biden signed into law on March 11, 2021, allocates $350 billion to states, localities, territories, and tribal governments to help eligible residents. Of that, $195.3 billion is going straight to the states.
According to the National League of Cities, an advocacy group for municipalities, the funds for local governments will remain available through December 31, 2026, but may only offset costs incurred by December 31, 2024. While states can elect to deploy the money in different ways, approximately 30 states, including Utah and Georgia, are using it to fuel small-business relief efforts, mostly in the form of loans or grants. Some states also offer to connect founders with resources or mentorship.
Wolf’s Ridge Brewing, a pub, and restaurant in Columbus, Ohio, was approved for a $10,000 grant through the state’s Bar and Restaurant Assistance Fund in November 2020 after the company was forced to lay off most of its 77-person staff. Co-founder Bob Szuter says the assistance program, which ended in January 2021, was not small change. “The total amount was not significant relative to the size of our business, but it certainly helped during a difficult period of 2020 when we did not know when and if there would be additional federal support,” says Szuter.
Different States, Different Rules
Every state and local program is unique–proffering different eligibility requirements, potential awards, and revenue-loss floors. Some programs require businesses to show certain revenue-loss thresholds or proof of having to close up shop. For example, businesses in Grand Junction, Colorado, can access up to $7,500 in grants but must demonstrate that the business was compelled to close or substantially limit operations because of the pandemic. New York awards grants based on an entity’s annual gross receipts for 2019, with a maximum of $50,000. Connecticut supplies one-time grants of $5,000 to businesses with fewer than 20 employees or a 2019 payroll of less than $1.5 million.
Other states offer both grant and low-interest loan programs–typically defined as loans with interest charges of less than 5 percent. Arizona’s Small Business Success Loan program offers loans of up to $75,000 with repayment terms ranging from six months to five years. Similarly, the Illinois Small Business Emergency Loan Fund provides businesses with fewer than 50 workers and less than $3 million in revenue low-interest loans of up to $50,000. At least 50 percent of a loan’s proceeds have to be applied toward payroll or other eligible compensation, including salaries, wages, tips, paid leave, and group health care benefits.
While these programs may still have plenty of funds available–some don’t even have an application deadline–you’d better act fast. Many programs are accepting applications on a rolling basis until the funds are gone. That’s why it’s best to get your applications in as soon as possible, says Tom Sullivan, vice president of small-business policy for the U.S. Chamber of Commerce, which has been following state programs throughout the pandemic. But track them, he says. While all 50 states are due some portion of the funding from the Rescue Plan, the timing of the disbursements may be different in each state.
To wit, the timing of the second tranche of funding provided to states through the Rescue Plan is contingent on the local unemployment rate. According to the Treasury Department, states that have experienced a net increase in the unemployment rate of more than 2 percentage points from February 2020 to the latest available date of certification will receive their full allocation of remaining funds in a single payment on or around May 2022. Other states will receive funds in two separate, equal tranches.
With that, some states, counties, and cities may choose to establish new programs in the near future, says Sullivan. Governments have to apply through Treasury, and those applications are getting processed now, he says. He recommends first getting in touch with your local chamber or local economic development center, as these institutions may be paying close attention to the deployment of funds.
Before you contact a local department or apply for assistance, it’s crucial to have your financial documents in order, notes Sullivan. This includes annual or quarterly profit-and-loss statements and tax documents. “Every city and county is generally a little different,” says Sullivan, “but the folks who get their stuff in first generally get preference.”
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5 New Habits to Help You Cultivate a Growth Mindset
5 New Habits to Help You Cultivate a Growth Mindset
How To Cultivate a Growth Mindset!
Originally Published on Apr 3, 2021
By Samantha Madhosingh
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FEBRUARY 5, 2021 BY MARIE3 (Originally Posted on 02/05/21)
If you’re looking for a special date night dinner, something a little fancy but not so hard to make try this seafood freeform lasagna, what makes it even more special is the subtle lemon cream sauce that’s spooned all over.
This is the perfect dinner to have on Valentine’s Day which is coming up soon and I’m quite sure many of us will be dining at home. This is meant for two people but you can certainly double the recipe for more to enjoy if need be.
I used a mix of scallops and shrimp in this easy freeform lasagna, which is highlighted with a touch of Limoncello for a smack of bright lemon flavor!
The prep work is all done in advance so when it’s time to eat all you have to do is pop your dish into the oven, warm it up and get that golden top.
You’ll be spending all your time with your date instead of cooking and cleaning in the kitchen all night, and that’s a good thing!
The lemon sauce is very light, you can use half lemon juice and half Limoncello or just all lemon juice. I wouldn’t do all Limoncello because that would be too sweet tasting and overpower the seafood.
If lemon is not your thing, you can make a nice white sauce to top it off like a béchamel, that would be equally as delicious and creamy to top it off.
Cut your lasagna noodles to fit into individual ramekins if using or if you end up using a bigger dish, it doesn’t have to fit perfectly.
Then you’re going to layer all that amazing seafood on top. It’s a delicious mix of chopped scallops, shrimp, garlic, shallots with a little ricotta and mascarpone for creaminess and to help bind it all.
Save some whole shrimp for garnish it makes a striking presentation. This can be served alongside a beautiful salad or if you really want to go all out, a steak for some surf and turf!