HealthyLife Articles

Tag: Financial Wellness

Should You Join A Mlm?

FINANCIAL HEALTH

Multi-level marketing companies, or MLMs, are companies that sell their products or services through person-to-person sales.

People who join MLMs can make money by:

* Selling the product or service to friends, family and other customers.

* Earning more money if you get someone else to sign up as a representative or distributor for the company.

Many people try MLMs as a side business to make extra money. Unfortunately, many people who join MLMs make very little money. They may even lose money. Be wary of promises to “get rich fast” or make huge amounts of money from MLMs.

If you are thinking about it, ask yourself:

1. Do I want to be a salesperson? People in MLMs have to sell their product or service. They have to ask people they know to invest time or money in their product. They may also ask others to join and become a salesperson too. If this makes you feel uncomfortable, it’s probably not for you.

2. Do you have a sales plan? Think about whether you know enough people who will buy this product from you. They will need to buy from you over and over again if you want to make long-term money.

3. Think about the product and how easy it is to sell. Can people get a similar product in a store by spending less money?

4. How much money do you want to earn? Is this amount possible with the number of people who may buy it?

5. Do you have money and time to invest? Usually, you spend money to get product samples or equipment. Do you also have time to spend selling to people at parties or meetings? Are there training events that require travel? What about website fees?

Finally, be careful about using a credit card to pay for your start-up expenses or other costs. This could backfire if you have to pay high interest rates and can’t pay it off right away.

It’s your money and your life. Don’t let big promises or convincing marketing try to talk you into an MLM if you’re not sure about it.

Source: Federal Trade Commission

© American Institute for Preventive Medicine

January 23, 2026
Declare Your Independence From Credit Card Overuse

Financial Health

* Limit your number of credit cards.

* Use 1 or 2 major credit cards that have low interest rates. Individual store and gas cards have very high interest rates.

* Only charge what you can pay in full when you get the bill. Or, aim to keep the balance to less than 25 percent of the total amount you can charge.

* Pay with cash. If you are an impulse buyer, leave your credit cards at home when you shop. Avoid or limit shopping online and through TV shopping channels.

Dos

* Make payments on time to avoid late fees and a possible increase in your interest rate.

* Make more than the minimum payment.

Don’ts

* Don’t open new credit cards to save 10 or more percent. For each new card you open, your credit score could go down 10 points.

* Don’t use your credit cards for cash advances.

© American Institute for Preventive Medicine

January 23, 2026
Debt-To-Income Ratio: Faqs

FINANCIAL HEALTH

A healthy debt-to-income ratio is an indicator of financial stability. Just as the term implies, this ratio compares the amount of money you pay toward debt against your income.

A stable debt-to-income ratio is anything 43% and lower. Someone with a higher percentage may struggle to make ends meet and keep up with their payments.

When applying for a mortgage, lenders will use this number as a determining factor, so it’s essential to know where you stand. In most cases, you must have a debt-to-income ratio under 43% to get a qualified mortgage when buying a home.

Calculate debt-to-income ratio

The equation looks like this: Total monthly debt payments ÷ monthly gross income (before taxes) = debt-to-income ratio

Here’s an example: Let’s say you make $6000 each month before taxes, and you have an $1800 mortgage, $300 car payment, $150 student loans, and $50 credit card payment.

($1800 + $300 + $150 + $50) ÷ $6000 = debt-to-income ratio

$2300 ÷ $6000 = 0.38

Your debt to income ratio is 38%.

Bills as debt

* Monthly rent or house payment

* Auto, student, or other monthly loan payments

* Monthly alimony or child support

* Monthly credit card payment

* Any other debt

© American Institute for Preventive Medicine

January 23, 2026
Simple Steps To A Great Work Day

WORK LIFE

Do you feel like you can’t concentrate or keep your energy up at work? A few simple fixes can make a huge difference in your energy and concentration levels all day long.

Pack a lunch and snacks the night before.Stay up a few extra minutes to do this at night. Chances are, you’ll be too rushed in the morning.

Set a water alarm.Dehydration can make you feel sluggish. Set a computer alarm that reminds you to drink throughout the day.

Skip the screens at night.Light from phones and TVs can keep you from getting quality sleep. Turn off screens two hours before bed to help your body relax and fall asleep.

Sources: National Institutes of Health, National Sleep Foundation

© American Institute for Preventive Medicine

January 23, 2026
Financial Wellness

Financial Health

Having financial security to meet your needs and enjoy your life is, well, priceless. But if you’re struggling and juggling bills, the stress can make you sick. Your financial well-being is an important part of your overall well-being. Money-related stress can trickle down to affect every area of your life, including your health.

Making wise financial choices can help you take control of your money, so it doesn’t control you. It’s a small price to pay for peace of mind.

© American Institute for Preventive Medicine

January 23, 2026
Ergonomics For The Home Office

WORK LIFE

If you are working from home, either full or part-time, you should ensure your home office is set up ergonomically. A set-up that is not designed for efficiency and comfort can lead to wasted time and poor posture.

Do a quick assessment of your work space and see if it meets ergonomic standards.

Things to check when seated at your desk:

* Are your head and neck balanced and in line with your spine?

* Can you sit upright in your chair with your lower back fully supported?

* Are your shoulders relaxed and forearms parallel to the floor?

* Are your wrists straight when using the mouse or keyboard?

* Is your monitor an arm’s length away and in direct line of sight?

Home office considerations:

* Are you working in a comfortable location?

* Can you alternate between sitting and standing?

* Do you move regularly to stretch and change position?

* Are your most used items within easy reach?

© American Institute for Preventive Medicine

January 23, 2026
Slouching Harms Your Health

WORK LIFE

Many people sit at a desk for hours each day. And the way you sit can affect your health.

Muscles & bones

Your musculoskeletal system includes your bones, joints and muscles. These parts of the body work together to provide support and stability. They allow you to move around.

The musculoskeletal system has to change and adapt to your life. The type of shoes you wear, how you walk and even how you use devices can affect your musculoskeletal system.

The way you sit at your desk affects this system too. Slouching can cause wear and tear on the spine. This makes it more likely that you will hurt your back. It can also lead to neck or shoulder pain.

Having bad posture at your desk can lower your flexibility. It can make it harder for your joints to move, too.

Un-learning bad posture

Many people slouch without thinking about it. It becomes a habit. But there are ways to fix it and prevent more injury to your back.

Researchers think that yoga could have positive benefits for posture and health. Some evidence suggests that it could help with hyperkyphosis in older people. Hyperkyphosis is a condition that causes the spine to curve forward, giving a “hunched” appearance.

To be safe, people should talk with their doctor before doing yoga or any exercise program.

Other ways to improve posture include:

* Be aware of your posture. Set alarms or reminders that tell you to sit up straight.

* Think about your posture when you stand and walk. This can carry over to better sitting posture.

* Make sure your keyboard and computer are working for you. You shouldn’t be slouching to reach the keyboard or see the screen.

* Change positions often. Don’t sit all day with one leg crossed or your feet tucked under your chair.

* Get up for breaks. Don’t spend breaks at your desk. Take a walk or gently stretch. Don’t eat at your desk.

* Work toward a healthy weight. Extra weight around the belly can weaken abdominal muscles. This can lead to back pain.

Talk to your doctor if you have back, shoulder or neck pain. Ask them about the best exercise options for you or a possible referral to physical therapy. Exercise can help you support your body and boost your overall health, whether you’re sitting or not.

Source: National Institutes of Health

© American Institute for Preventive Medicine

January 23, 2026
Make Thrifty Count

Financial Health

Building personal wealth starts with making wise financial decisions. Be strategic about where you save money, so it is sustainable. Make it fun and economical, such as cooking a gourmet meal at home with your family and then turning off the lights to have a “candlelit” dinner. Or, get an annual state or national park pass and plan outdoor weekend adventures with your family, saving money while also making memories!

Be More Earth-Friendly

Many products we use regularly consume more energy than is needed. Choose energy-efficient products, such as ENERGY STAR certified LED light bulbs, which use up to 90% less energy than standard bulbs and last 15 times longer.

© American Institute for Preventive Medicine

January 23, 2026
Filing For A Tax Extension

FINANCIAL HEALTH

A federal tax extension allows you extra time to file your taxes. You can request an extension for any reason and receive an additional six months to complete your return. Here’s what you need to know.

* You must request an extension before your filing deadline. Don’t delay or you risk a penalty.

* Submit the form via mail or electronically by your regular tax return deadline, usually April 15th.

* To avoid any potential penalties, pay estimated taxes at the time you submit the form.

* If you cannot pay what you owe, you can request a payment plan. Visit the IRS website to learn more.

* Use the extra time to file your return. The IRS does not allow a second extension, so don’t let the time slip away.

* Fill out the Application for Automatic Extension of Time To File U.S. Individual Income Tax Return available atirs.gov.

© American Institute for Preventive Medicine

January 23, 2026
Stay Healthy At Work

WORK LIFE

When work is busy, it can be easy to lose track of your health goals.

Don’t assume you have no time to pack healthy snacks or that it’s too expensive. If you use some of the shortcuts below instead of buying something while you’re at work, you’ll likely save yourself time and money. And, these nutritious options won’t leave you feeling sluggish by 4 p.m.

Time-saving, healthy ideas include:

* Canned fruit (in juice, not syrup) with Greek yogurt

* Mini microwave packs of frozen vegetables

* Dried fruit and nuts – make your own healthy trail mix

* Pre-chopped fruits, vegetables and salad

Did you know?

Frozen and canned fruits and vegetables have the same nutrients as fresh. In some cases, they may be even more nutritious because they are canned or frozen soon after harvest.

Source: Produce for Better Health Foundation

Drinks matter too.

Do you reach for coffee throughout the day? Consider cutting back and replacing it with water. You could reap numerous benefits of reduced caffeine intake, including:

* Better sleep. Caffeine can take several hours to leave your body completely. This means that afternoon cup could be keeping you awake many hours later.

* Reduced stress. You’re sleeping better – and better sleep helps you cope with stress.

* More energy. Hydrating with water can fight fatigue.

* Less anxiety. Caffeine can trigger anxiety – or make it worse – in some people.

© American Institute for Preventive Medicine

January 23, 2026