You've likely heard about CBD. With more states moving to legalize marijuana, we're also becoming more aware of CBD and its benefits.But what is CBD, and can it take your work performance to new heights?
Oils and tinctures are often recommended CDN
As Natural Stacks explains, "CBD (cannabidiol) is a bioactive component of the Cannabis plant (marijuana) that is becoming well-known for its potential brain health benefits, none of which involve getting high or compromising your short term memory." So, no, you won't be "stoned" at company meetings or on conference calls.
Cannabidiol can be taken into the body in multiple different ways, including by inhalation of cannabis smoke or vapor, as an aerosol spray into the cheek, and by mouth. It may be supplied as an oil containing only CBD as the active ingredient (no added THC or terpenes), a full-plant CBD-dominant hemp extract oil, capsules, dried cannabis, or as a prescription liquid solution."
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When it comes to getting the most out of your CBD, the experts at CanaGel hemp oil gel melts (the first of its kind) recommend full spectrum CBD rather than CBD isolate. "The CBD isolate is just pure CBD and nothing else. CBD on its own still may have medical value as it is the most medicinal part of the plant, but according to research done by Israeli Organic Chemist, Raphael Mechoulam it was found that all the naturally occurring cannabinoids found in cannabis work better when they are together (rather) than isolated. This is what's known as the 'entourage effect,' where all the cannabinoids work together and become more effective. So, full spectrum hemp CBD is more effective because of all the 100+ cannabinoids like CBD, CBC, CBG, CBDA, <.3% THC than just CBD alone. Unlike CBD isolate, full spectrum CBD is filled with nutrients and contains terpenes, flavonoids, essential vitamins, minerals, essential fatty acids (Omega 3 & Omega 6), protein, chlorophyll, amino acids and fiber."
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Customers who use CanaGel have also seen improvement in their mental health, which can lead to an increase in performance and productivity at work. A reduction in anxiety, insomnia (PopSugar Fitness reports CBD may produce alertness in small doses during the day), depression, and other mental health issues have been reported with use of 5-20 mg. daily. Natural Stacks adds to the benefits a relief in stress levels thanks to "CBD's efficacy as an anxiolytic compound." Additionally, "It's thought that CBD influences neuron activity in the hippocampus (the region of the brain involved in memory consolidation and formation) by increasing calcium ion concentrations in the mitochondria."
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Need more proof CBD can up your performance? As per Medical Jane, "Cannabinoids help your brain grow and slow brain aging. Through a process called neurogenesis, new brain cells are constantly being created. Another study published in The International Journal of Neuropharmacology also points to cannabidiol (CBD) as a key contributor of neurogenesis in the brain. Specifically, this birth of new neurons occurred in the Hippocampus, an area typically associated with conscious memory and navigation by making these developing cells stronger."
You can take your CBD before work, but what if you choose to take a dose at the office? A CanaGel representative noted how this can be tricky, since "many people are still very misinformed (about CBD)." Vaping (consider Select CBD) or using tinctures, creams, or oils can be obvious and distracting - not to say they aren't the CBD "vessel" of choice for many - that's why CanaGel recommends their product which is discreet, not to mention highly effective. A gel melt is placed inside the cheek for up to 10 minutes and the CBD is absorbed into the bloodstream. "Independent lab results show that within 7 minutes of contact, virtually 100% was absorbed." No muss, no fuss.
Clearly, there are many mental benefits, but what about side effects? As per Healthline, "Though CBD is generally well tolerated and considered safe, it may cause adverse reactions in some people.
Side effects noted in studies include:
- Anxiety and depression
- Dry mouth
- Changes in appetite"
As with anything you put in your body, it's important to make sure you are doing It safely. Medical News Today reminds us, "After discussing dosage and risks with a doctor it is important to compare different brands. There are a range of different CBD (products) available to purchase online, with different benefits and applications."
Once you're cleared and ready to use CBD to improve your performance on the job, you'll learn if the mental benefits are affecting you. Hey, you may owe your next promotion to CBD!
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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.