We're finally here at the end of the alphabet having already run through A – X uncovering foods that start with each letter which promote brain health. From smooth avocados to sweet xocolatl (a Mexican cocoa bean-based beverage), the foods we've encouraged you to consume for their mind-boosting properties are not only delicious, but help you to stay sharp and focused throughout the workday and beyond.
Let's conclude this series with two final favorites, yams and zucchini, both readily available at nearly any grocery store, as tasty as can be, and beneficial to the brain. If you've been eating all the recommended foods thus far, you must be succeeding in ways you've only imagined! Try yams and zucchini to take your progress two steps even further.
Yams are not only sweet and delicious, but they are an excellent choice for boosting brainpower. As per DoveMed, "Several components of yams, such as potassium, folate, and various antioxidants are known to provide neurological benefits. Folate has been known to reduce the occurrence of Alzheimer's disease and cognitive decline. Potassium has been linked to increasing blood flow to the brain and heighten cognition, concentration, and neural activity."
Yams are filling, yet as healthy for the body as they are the mind. According to The Globe and Mail, a ½ cup serving (100 g) of yams is 116 calories, has no fat, 4 g fiber, and 670 mg potassium.
Bake a yam in the oven and top with low-fat sour cream or a sprinkle of cinnamon. Puree to make mashed yams in place of regular mashed potatoes. Slice into "fries" and bake on a cookie sheet to make a healthier version of the favorite side dish. Yams are versatile and pleasingly palatable!
Like many green veggies, eating zucchini will keep you on the ball and working to the max from morning 'till closing time. According to Mercola, zucchini can, "help regulate blood sugar levels." You won't suffer from that mid-day crash and slump.
Additionally, "It's also rich in flavonoid antioxidants such as zeaxanthin, carotenes, and lutein, which play a significant role in slowing down aging," as per Mercola. No more "senior moments" during meetings and important business calls.
Zucchini is high in potassium too. Like yams, according to DoveMed, "The potassium (in zucchini) has been linked to increasing blood flow to the brain."
Add steamed zucchini to pasta dishes, serve in salads, use in omelets, or dip raw into a low-fat dressing or hummus. You'll feel healthy and your brain will be at its peak.
That's a wrap! From A to Z we've explored a world of good foods that make our minds work at their highest potential. Hope you've enjoyed reading and eating!
When you take out a loan for a car, charge something to your credit card, or get a personal line of credit, there is going to be an interest rate that applies to your loan.
A lot of different factors go into what you will be charged, including your own personal credit score. But even those with flawless credit still see a minimum charge that they can't get around. That all goes back to the Federal Funds Rate.
One thing consumers rarely realize is that all of our banks are lending money to each other every night. Banks are legally required to maintain a certain percentage of their deposits in non-interest-bearing accounts at the Federal Reserve to ensure they have enough money to cover any withdrawals that may unexpectedly come up. However, deposits can fluctuate and it's very common for some banks to exceed the requirement on certain days while some fall short. In cases like this, banks actually lend each other money to ensure they meet the minimum balance. It's a bit hard to imagine these multibillion-dollar financial institutions needing to borrow money to tide them over for a bit, but it happens every single night at the Federal Reserve. It's also a nice deal for those with balances above the reserve balance requirement to earn a bit of money with cash that would normally just be sitting there.
The Federal Reserve
The exact interest rate the banks will charge each other is a matter of negotiation between them, but the Federal Open Market Committee (FOMC) (the arm of the Federal Reserve that sets monetary policy) meets eight times a year to set a target rate. They evaluate a multitude of economic indicators including unemployment, inflation, and consumer confidence to decide the best rate to keep the country in business. The weighted average of all interest rates across these interbank loans is the effective federal funds rate.
This rate has a huge impact on the economy overall as well as your personal finances. The federal funds rate is essentially the cheapest money available to a bank and that feeds into all of the other loans they make. Banks will add a slight upcharge to the rate set by the Fed to determine what is the lowest interest that they will announce for their most creditworthy customers, also known as the prime rate. If you have a variable interest rate loan (very common with credit cards and some student loans), it's likely that the interest rate you pay is a set percentage on top of that prime rate that your lender is paying. That's why in times of low interest rates (it was set at 0% during the Great Recession), a lot of borrowers should go for fixed interest rate loans that won't increase. However, if the federal funds rate was relatively high (it went up to 20% in the early 1980's), a variable interest rate loan may be a better decision as you would be charged less interest should the rate drop without the need to refinance.
The federal funds rate also has a major impact on your investment portfolio. The stock market reacts very strongly to any changes in interest rates from the Federal Reserve, as a lower rate makes it cheaper for companies to borrow and reinvest while a higher rate may restrict capital and slow short-term growth. If you have a significant portion of your investments in equities, a small change in the federal funds rate can have a large impact on your net worth.
Whether you're leaving a job involuntarily, departing for something new, or just want to prepare for the unknown, it is smart to understand all your options regarding your 401k.
Frugal gifting often gets a bad reputation. However, this shopping method does not make you cheap — it makes you practical. Frugal gifts often avoid waste and overspending and can be just as meaningful (if not more so) as any other present.
With the National Retail Federation predicting each consumer this holiday season to spend upwards of $1,000 on holiday gifts amidst an economic recession —this year might be the perfect time to reconsider your spending budget. We've formulated the ultimate list of frugal gift-giving ideas to get you started.