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LIFESTYLE & CULTURE

Why it really is important to save up

Remember that even if you’re living it up right now and constantly have money pumping into your account – things change, and you may find yourself in completely different circumstances within the blink of an eye, all because you weren’t careful.

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We often hear so many things about the importance of saving money, and yet there is never an explanation as to why. So many people – especially in the modern world we now live in – want to live in the moment, and in doing so, means being a little impulsive at times and buying what they want, when they want, because they can. This is a freeing way to live because it banishes responsibility and stress and pressure, as there are no longer any rules to abide by. While this may sound rather nice, there is a reason that people make rules regarding their finances.

It’s easy to be blasé about it when you have a nice figure looking at you in your account, but when you don’t have that luxury and instead end up having to worry about scraping by until next month – everything changes. So remember that even if you’re living it up right now and constantly have money pumping into your account – things change, and you may find yourself in completely different circumstances within the blink of an eye, all because you weren’t careful.

Here are a couple of other reasons why you need to think about saving up, and how.

Your health

You never know what kind of situation you may end up in. You might be a fit and healthy young adult, and wake up one day and get involved in a car accident, or get diagnosed with an illness you never imagined you’d have. And while this is awful, you need to think about how you’re going to get the treatment you need without ending up in major debt that you’re having to pay off for the rest of your life. But this is where the Health Savings Account Guide comes into play. You are able to safely put your money away in the event of an unexpected emergency, but not only can the money be used to cover health care expenses, but it can be used in retirement too on a completely tax-free basis.

By saving up the money you have coming in now, you won’t have to worry about the risk of not being able to pay your way through schooling or college, because you have your future education funds that have been accumulating over time, giving you the freedom to learn whatever you want to learn, and build a career from the ground up.
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Your education

While you may not have any big career dreams right now, that could always change in the next few months or years, and you want to be able to have the opportunity to pursue whatever you like, without there being any money issues that are holding you back from following a certain path. So by saving up the money you have coming in now, you won’t have to worry about the risk of not being able to pay your way through schooling or college, because you have your future education funds that have been accumulating over time, giving you the freedom to learn whatever you want to learn, and build a career from the ground up.

Now that you have a couple of examples, you can understand why it’s important to be wise with your money and think about the potential of your future. Regardless of whether you have a plan right now or not – things change all the time, and something may arise where you’re so glad you had some savings to tap into.

Health & Wellness

Heavy drinking into older age adds 4 cm to waistline

More than half of drinkers aged 59 and over have been heavy drinkers and this is linked to a significantly larger waistline and increased stroke risk, according to a new UCL study.

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More than half of drinkers aged 59 and over have been heavy drinkers and this is linked to a significantly larger waistline and increased stroke risk, according to a new UCL study.

The study, published in the journal Addiction, examined the association between heavy drinking over a lifetime and a range of health indicators including cardiovascular disease.

The researchers used data from the Whitehall II cohort, which collected information from UK civil servants, aged 34-56 years at study outset, since 1985-88. The final sample for this study was made up of 4,820 older adults, aged between 59 and 83 years. The mean (average) age was 69, and 75% were male.

It found that heavy alcohol consumption over a lifetime is associated with higher blood pressure, poorer liver function, increased stroke risk, larger waist circumferences and body mass index (BMI) in later life, even if you stop drinking heavily before age 50. However, stopping heavy drinking at any point in life is likely to be beneficial for overall health.

Dr Linda Ng Fat (UCL Institute of Epidemiology & Health Care), first author on the study, said: “Alcohol misuse, despite the common perception of young people binge drinking, is common among older adults, with alcohol related hospital admissions in England being the highest among adults aged over 50.

“Previous studies have focused on single snapshots of consumption, which has the potential to mask the cumulative effects of drinking. This study raises awareness of the effect of alcohol consumption over the life-course.”

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A heavy drinker was identified using the Alcohol Use Disorders Identification Test for Consumption (AUDIT-C), a standard screening tool for GPs. The screening tool consists of just three questions, and assesses how often you drink, how much you drink, and how often you binge (have six or more drinks). To provide an example a person who has three or four drinks, four or more times a week, would score positive as a hazardous drinker on the AUDIT-C.

Participants were asked on a single occasion to complete the AUDIT-C retrospectively for each decade of their life, from 16-19 to 80 and over. This information was used to categorise their life-time drinking pattern: never hazardous drinker, former early hazardous drinker (stopped before age 50), former later hazardous drinker (stopped at age 50 or after), current hazardous drinker, and consistent hazardous drinker (during every decade of their life).

More than half of drinkers (56%) had been hazardous drinkers at some point in their life, with 21% being current hazardous drinkers and 5% being consistent hazardous drinkers.

Current and consistent heavy drinkers were mainly male (80% and 82%, respectively), predominately white, and likely to be in senior level jobs (61% compared with 52% in the total sample).

Former later, current and consistent hazardous drinkers had significantly higher systolic blood pressure and poorer liver function, than never hazardous drinkers, after adjusting for lifestyle factors. Among current hazardous drinkers, systolic blood pressure was 2.44 mmHG higher and gamma-glutamyl transferase (GGT), a marker of liver disease, was elevated by 22.64 IU/l, compared with never hazardous drinkers.

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Current hazardous drinkers had three times greater risk of stroke and former later hazardous drinkers had approximately two times higher risk of non-cardiovascular disease mortality compared with never hazardous drinkers.

Lifetime hazardous drinkers had significantly larger waist circumferences and BMI than never hazardous drinkers, with the magnitude increasing with more current and consistent hazardous drinking.

Former early hazardous drinkers on average had a 1.17 cm larger waist than never hazardous drinkers, whereas former later hazardous drinkers, current hazardous drinkers and consistent hazardous drinkers had a waist circumference that was 1.88 cm, 2.44 cm and 3.85cm larger respectively.

Dr Ng Fat added: “This suggests that the longer adults engage in heavy drinking the larger their waistline in older age. That is why it is beneficial, along with other health benefits, that adults reduce heavy drinking earlier rather than later.”

Professor Annie Britton (UCL Institute of Epidemiology & Health Care), senior author on the study, said: “Despite high prevalence of stroke and liver disease steadily increasing… heavy drinking remains common among older adults.” And so “early intervention and screening for alcohol consumption, as part of regular check-ups, could help reduce hazardous drinking among this demographic.”

The research was carried out with University of Cambridge. It was funded by the UK Medical Research Council/Alcohol Research UK and European Research Council.

It is worth noting that alcoholism is an issue for many members of the LGBTQIA community. In 2017, for instance, a study found that bisexual people have higher odds of engaging in alcohol use behaviors when compared with people from the sexual majority. This is according to a study that – also worth highlighting – similarly found that bullying mediated sexual minority status and alcohol use more particularly among bisexual females.

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Travel

A third of Poland declared ‘LGBT-free zone’

Local municipalities in Poland adopted resolutions that are specifically “against LGBT propaganda” or are “pro-family”, thereby creating hostile spaces for non-heterosexual people or those who are not deemed to be for the so-called “natural family”.

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Hate thrives in parts of Poland, apparently.

Local municipalities in Poland adopted resolutions that are specifically “against LGBT propaganda” or are “pro-family”, thereby creating hostile spaces for non-heterosexual people or those who are not deemed to be for the so-called “natural family”.

According to an “Atlas of Hate” map, a Polish area greater than the size of Hungary has effectively become an “LGBT-free zone” in the heart of Central Europe. Almost 100 municipalities adopted the resolutions (with municipalities starting to pass the first revolutions in March 2019), including five voivodships (the largest administrative unit in Poland) in the southeast of the country, and dozens of counties and other smaller units.

The resolutions are actually non-binding; but these still highlight how a handful of Polish politicians are denouncing of “LGBT ideology” as a “foreign import” that is supposedly threatening the Polish nation and its antiquated Christian values.

One of the resolutions, passed in April 2019 by the local council in Ryki, a town 100 kilometres southeast of Warsaw, states: “In relation to the aggressive homosexual propaganda, promoted and conducted as part of the ideological war by leftist-liberal political circles and ‘LGBT’ groups, which are threatening our fundamental norms and the values of our social and national life, our council adopts the declaration ‘Powiat Rycki free of gender ideology and LGBT.’”

This resolution also states that its purpose is to “defend children, youth, families and Polish schools from sexual depravity and indoctrination, which lead to many pathologies already existing in Western countries, such as accepting pornography, abortion, sexual criminality, the crisis of the family and many others”.

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It similarly decries the “promotion of homosexuality” and sexual education in schools, the “early sexualisation of children” promoted by the World Health Organization, the “pressure exercised by homopropaganda” and the “imposition by LGBT activists of… programmes and an ideology leading to the depravation of children”.

Human rights campaigners – including the European Parliament – have condemned the resolutions, saying they are discriminatory and undermine LGBTQIA rights.

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Health & Wellness

Study finds more mental heath visits decreases risk of suicide among youths

Youths with psychiatric disorders, particularly mood disorders, schizophrenia, and substance use should be routinely assessed for suicide risk and receive high-intensity, evidence-based treatments for suicidality, such as cognitive behavioral therapy.

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A multistate study of Medicaid enrollees led by researchers at The Ohio State University Wexner Medical Center found that suicide risk was highest among youth with epilepsy, depression, schizophrenia, substance use and bipolar disorder. In addition, the odds of suicide decreased among those who had more mental health visits within the 30 days before the date of suicide.

Researchers compared the clinical profiles and mental health service patterns of children and adolescents who had died by suicide to see how they differed from the general population. The findings published today in JAMA Pediatrics.

“To the best of our knowledge, no studies have examined the clinical profiles and health and mental health service utilization patterns prior to suicide for children and adolescents within the Medicaid population,” said lead researcher Cynthia Fontanella, an associate professor in the department of psychiatry and behavioral health at Ohio State Wexner Medical Center. “Understanding how health care utilization patterns of suicidal decedents differ from the general population is critical to target suicide prevention efforts.”

This population-based case-control study merged mortality data with US Medicaid data from 16 states spanning all regions of the country and accounting for 65% of the total child Medicaid population.

The study looked at 910 youth aged 10-18 years who died by suicide between January 1, 2009 and December 31, 2013 compared to a control group of 6,346 youth that was matched based on gender, race, ethnicity, Medicaid eligibility category, state and age.

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For both groups, researchers examined health and behavioral health visits in the six-month period prior to date of suicide. Associations between visits, clinical characteristics and suicide were examined.

Clinical characteristics included psychiatric diagnoses (attention deficit hyperactivity disorder, conduct disorders, depression, bipolar disorder and other mood disorders, anxiety disorders, schizophrenia/psychosis, substance use and other mental health disorders) and chronic medical conditions (diabetes, seizure disorders, cerebral palsy, asthma or cancer.)

“Our study found that 41% of youth who died by suicide had at least one mental health diagnosis in the six months prior to death, a finding similar to those of previous studies on adults,” Fontanella said. “Our findings suggest that youths with psychiatric disorders, particularly mood disorders, schizophrenia, and substance use should be routinely assessed for suicide risk and receive high-intensity, evidence-based treatments for suicidality, such as cognitive behavioral therapy.”

In the US, the suicide rate among people aged 10-24 years has increased by 50% since 1999. Suicide is currently the second leading cause of death in this age group, accounting for nearly 6,800 deaths in 2017.

“Suicide among young people is a major public health problem. Based on our findings, we believe that implementing suicide screening protocols for youth enrolled in Medicaid – targeted on the basis of frequency of visits and psychiatric diagnoses – has the potential to decrease suicide rates,” Fontanella said.

Members of the LGBTQIA community encounter more issues related to mental health.

In November 2019, for instance, a study noted that sexual minorities were around five times more likely to experience high depressive symptoms (54% vs 15%) and self-harm (54% vs 14%). They also had lower life satisfaction (34% vs 10%), lower self-esteem and were more likely to experience all forms of bullying (i.e. peer bullying 27% vs 10%) and victimization (i.e. sexual assault/harassment 11% vs 3%) .

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In September 2017, another study suggested that experiencing anti-bisexual prejudice, internalized heterosexism, and identity concealment appears to be related to feelings of loneliness and ultimately psychological distress and suicidality among bi individuals.

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Technology

In politics and pandemics, trolls use fear, anger to drive clicks

“As consumers continue to see ads that contain false claims and are intentionally designed to use their emotions to manipulate them, it’s important for them to have cool heads and understand the motives behind them.”

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Facebook users flipping through their feeds in the fall of 2016 faced a minefield of targeted advertisements pitting blacks against police, southern whites against immigrants, gun owners against Obama supporters and the LGBTQ community against the conservative right.

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Placed by distant Russian trolls, they didn’t aim to prop up one candidate or cause, but to turn Americans against one another.

The ads were cheaply made and full of threatening, vulgar language.

And, according to a sweeping new analysis of more than 2,500 of the ads, they were remarkably effective, eliciting clickthrough rates as much as nine times higher than what is typical in digital advertising.

“We found that fear and anger appeals work really well in getting people to engage,” said lead author Chris Vargo, an assistant professor of Advertising, Public Relations and Media Design at University of Colorado Boulder.

The study, published in Journalism and Mass Communication Quarterly, is the first to take a comprehensive look at ads placed by the infamous Russian propaganda machine known as the Internet Research Agency (IRA) and ask: How effective were they? And what makes people click on them?

While focused on ads running in 2016, the study’s findings resonate in the age of COVID-19 and the run-up to the 2020 election, the authors say.

“As consumers continue to see ads that contain false claims and are intentionally designed to use their emotions to manipulate them, it’s important for them to have cool heads and understand the motives behind them,” said Vargo.

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For the study, Vargo and assistant professor of advertising Toby Hopp scoured 2,517 Facebook and Instagram ads downloaded from the U.S. House of Representatives Permanent Select Committee On Intelligence website. The committee made the ads publicly available in 2018 after concluding that the IRA had been creating fake U.S. personas, setting up fake social media pages, and using targeted paid advertising to “sow discord” among U.S. residents.

Using computational tools and manual coding, Vargo and Hopp analyzed every ad, looking for the inflammatory, obscene or threatening words and language hostile to a particular group’s ethnic, religious or sexual identity. They also looked at which groups each ad targeted, how many clicks the ad got, and how much the IRA paid.

Collectively, the IRA spent about $75,000 to generate about 40.5 million impressions with about 3.7 million users clicking on them – a clickthrough rate of 9.2%.

That compares to between .9% and 1.8% for a typical digital ad.

While ads using blatantly racist language didn’t do well, those using cuss words and inflammatory words (like “sissy,” “idiot,” “psychopath” and “terrorist”) or posing a potential threat did. Ads that evoked fear and anger did the best.

One IRA advertisement targeting users with an interest in the Black Lives Matter movement stated: “They killed an unarmed guy again! We MUST make the cops stop thinking that they are above the law!” Another shouted: “White supremacists are planning to raise the racist flag again!” Meanwhile, ads targeting people who sympathized with white conservative groups read “Take care of our vets; not illegals” or joked “If you voted for Obama: We don’t want your business because you are too stupid to own a firearm.”

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Only 110 out of 2,000 mentioned Donald Trump.

“This wasn’t about electing one candidate or another,” said Vargo. “It was essentially a make-Americans-hate-each-other campaign.”

The ads were often unsophisticated, with spelling or grammatical errors and poorly photoshopped images. Yet at only a few cents to distribute, the IRA got an impressive rate of return.

“I was shocked at how effective these appeals were,” said Vargo.

The authors warn that they have no doubt such troll farms are still at it.

According to some news reports, Russian trolls are already engaged in disinformation campaigns around COVID-19.

“I think with any major story, you are going to see this kind of disinformation circulated,” said Hopp. “There are bad actors out there who have goals that are counter to the aspirational goals of American democracy, and there are plenty of opportunities for them to take advantage of the current structure of social media.”

Ultimately, the authors believe better monitoring, via both machine algorithms and human reviewers, could help stem the tide of disinformation.

“We as a society need to start seriously talking about what role the platforms and government should play in times like the 2020 election or during COVID-19 when we have a compelling need for high-quality, accurate information to be distributed,” said Hopp.

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Health & Wellness

COVID-19 linked to cardiac injury, worse outcomes for patients with heart conditions

COVID-19 can have fatal consequences for people with underlying cardiovascular disease and cause cardiac injury even in patients without underlying heart conditions.

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COVID-19 can have fatal consequences for people with underlying cardiovascular disease and cause cardiac injury even in patients without underlying heart conditions, according to a review published today in JAMA Cardiology by experts at The University of Texas Health Science Center at Houston (UTHealth).

Experts have known that viral illnesses such as COVID-19 can cause respiratory infections that may lead to lung damage and even death in severe cases. Less is known about the effects on the cardiovascular system.

“It is likely that even in the absence of previous heart disease, the heart muscle can be affected by coronavirus disease,” said Mohammad Madjid, MD, MS, the study’s lead author and an assistant professor of cardiology at McGovern Medical School at UTHealth. “Overall, injury to heart muscle can happen in any patient with or without heart disease, but the risk is higher in those who already have heart disease.”

The study authors explained that research from previous coronavirus and influenza epidemics suggest that viral infections can cause acute coronary syndromes, arrhythmias, and the development of, or exacerbation of, heart failure.

In a clinical bulletin issued by the American College of Cardiology, it was revealed that the case fatality rate of COVID-19 for patients with cardiovascular disease was 10.5%. Data also points to a greater likelihood that individuals over the age of 65 with coronary heart disease or hypertension can contract the illness, as well experience more severe symptoms that will require critical care.

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According to the study authors, critical cases are those that reported respiratory failure, septic shock, and/or multiple organ dysfunction or failure that resulted in death. “It is reasonable to expect that significant cardiovascular complications linked to COVID-19 will occur in severe symptomatic patients because of the high inflammatory response associated with this illness,” said Madjid, who also sees patients at the UT Physicians Multispecialty – Bayshore clinic.

The novel virus that causes COVID-19 was first identified in January 2020. This novel virus originated in Wuhan, China, and by March 11, 2020, the World Health Organization had declared it a global pandemic. The three most common symptoms of COVID-19 include fever, cough, and shortness of breath. Other less common symptoms are muscle pain, sore throat, nasal congestion, and headache. Symptoms can appear as soon as two days after exposure to the virus to up to14 days after. There is a high viral load in both symptomatic and asymptomatic patients, meaning asymptomatic spread between person to person is likely.

Previously identified coronaviruses known to cause severe illness in humans include Severe Acute Respiratory Syndrome Coronavirus (SARS-CoV) and Middle East Respiratory Syndrome (MERS-CoV). SARS-CoV was first identified in southern China in 2002, and by 2003 it had killed over 8,000 individuals in 29 countries. Data suggests that SARS-CoV may have resulted in cardiovascular complications, such as acute coronary syndrome and myocardial infarction. MERS-CoV was first discovered in 2012 in Saudi Arabia. As of 2019, 2,494 cases have been confirmed along with 858 deaths in 26 countries.

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Current COVID-19 treatment options are being researched, and there is a large effort to develop vaccines for prevention and to test antivirals for the treatment of the disease. In the meantime, the study authors encourage all individuals to consult with their health care providers about being vaccinated against influenza and that at-risk patients seek advice on receiving a pneumonia vaccine from their primary care physician. While these vaccines will not provide specific protection against COVID-19, they can help prevent superimposed infections alongside COVID-19.

Study co-authors include Payam Safavi-Naeini, MD, of the Texas Heart Institute; Scott Solomon, MD, of Harvard Medical School; and Orly Vardeny, PharmD, of the University of Minnesota.

It is worth noting that cardiovascular issues greatly affect members of the LGBTQIA community.

A 2018 study in the US, for instance, noted that lesbian, gay and bisexual adults have a “disproportionately high risk” of heart disease and other cardiac problems when compared to heterosexuals.

Another 2018 study noted that trauma, including abuse and neglect, is associated with higher cardiovascular disease risk for lesbian and bi women.


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Travel

Colonial-era law criminalizing gay sex retained in Singapore

Gay sex is illegal in Singapore. The ban carries a maximum penalty of two years in jail for homosexual acts.

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Gay sex is illegal in Singapore.

That’s the gist in the decision made by Singapore’s High Court, which ruled that its colonial-era law criminalizing sex between men is constitutional and would be retained, overturning a bid by gay rights activists to scrap it.

Singapore is one of former British colonies still clinging to Section 377A of the Penal Code (the “anti-buggery law”), which came into force in 1938 after being adapted from a 19th-century Indian penal code. Though rarely enforced, that the law exists at all is an affront to equal treatment sought by the LGBTQIA people particularly of Singapore.

In Singapore, the ban carries a maximum penalty of two years in jail for homosexual acts.

The latest attempt to overturn the law was spearheaded by three gay activists who lodged court challenges seeking to prove that the law is unconstitutional. But the High Court dismissed all three after hearing them together behind closed doors. The High Court ruled that the law does not violate articles of Singapore’s constitution regarding equality and freedom of speech.

The High Court similarly stated that just because the legislation was not enforced, it did not “render it redundant,” stating: “Legislation remains important in reflecting public sentiment and beliefs.”

Speaking outside the High Court, M. Ravi, a lawyer for one of the complainants, said that the decision is “shocking to the conscience and it is so arbitrary. It is so discriminatory, this legislation.”

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This is not the first time that the law was challenged. In 2014, the first challenge to the law was also dismissed, highlighting that the city-state is still conservative.

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