long term – Rauchen Aufgeben http://rauchen-aufgeben.org/ Sat, 16 Apr 2022 10:14:30 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://rauchen-aufgeben.org/wp-content/uploads/2021/05/cropped-icon-32x32.png long term – Rauchen Aufgeben http://rauchen-aufgeben.org/ 32 32 Doctors call for restrictions on ‘kid-friendly’ vapes as import ban doesn’t harm black market https://rauchen-aufgeben.org/doctors-call-for-restrictions-on-kid-friendly-vapes-as-import-ban-doesnt-harm-black-market/ Sat, 19 Mar 2022 10:48:03 +0000 https://rauchen-aufgeben.org/doctors-call-for-restrictions-on-kid-friendly-vapes-as-import-ban-doesnt-harm-black-market/ The ban was originally due to come into effect in 2020, but was delayed for more than a year after strong opposition from several Coalition backbenchers who favored a more libertarian approach. Vaping devices use electricity to heat a liquid and deliver an aerosol vapor containing chemicals such as nicotine into the lungs, rather than […]]]>

The ban was originally due to come into effect in 2020, but was delayed for more than a year after strong opposition from several Coalition backbenchers who favored a more libertarian approach.

Vaping devices use electricity to heat a liquid and deliver an aerosol vapor containing chemicals such as nicotine into the lungs, rather than burning tobacco to inhale smoke. They are sold in disposable and refillable form.

Disposable vaping products are often packaged to look like cans of lollipops, with bright colors, designs that disguise the product as a pen, highlighter, or flash drive, and flavors like fruit and chocolate.

In Australia, nicotine vaping products are only legally available to adults on prescription, in pharmacies, or by personal importation. Yet users generally report that nicotine vaping products are widely available for sale at convenience stores and tobacconists and are easy to import without a prescription.

Meanwhile, vaping products without nicotine are considered consumer products and are legal for adults in most states and territories, including NSW and Victoria. It is illegal to sell vaping products to children.

Vaping advocates claim e-cigarettes are an effective way for smokers to quit, with a 2015 UK government study suggesting they are up to 95% safer than conventional cigarettes. Since the products are relatively new, the long term effects are not known.

Australian Medical Association vice-president Chris Moy said there was a strong case for banning nicotine-free e-cigarettes.

“Why are they even a thing?” he said. “They are the pinnacle of aggressive, scary and malicious marketing to children.”

TGA testing has also revealed high levels of nicotine in most vaping products, even when off-label.

Public health experts are alarmed by an apparent rise in the number of young people taking up vaping, and the NSW government last week launched an education campaign for schools, students and parents .

The Herald of the Sun Previously revealed schools across NSW are locking down toilets outside break times to crack down on student vaping.

Last year, the Australian Competition and Consumer Commission presented a proposal to the government that the TGA should regulate all personal vaping products, not just those containing nicotine, to avoid regulatory loopholes. .

The World Health Organization also recommends that nicotine-based and non-nicotine vaping products be regulated in the same way, as they are often indistinguishable from each other, “creating loopholes that can be exploited by commercial interests. “.

Health Minister Greg Hunt has fought for a ban on the import of nicotine vaping products.Credit:Alex Ellinghausen

Mr Hunt said the risk of a rapid rise in vaping among teens was a “deep personal concern” and he hoped more countries would follow Australia’s lead on import laws.

“These are not and should not be retail products,” Hunt said. “We have acted on medical advice from the TGA to curb the importation of these products entering Australia without proper medical authority.”

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Opposition health spokesman Mark Butler said the government “needs to be clear on whether current vaping regulations are working”.

Legalize Vaping Australia campaign manager Brian Marlow said vaping should be regulated in the same way as conventional cigarettes, to allow for appropriate standards around packaging, warnings or ingredients. Failure to do so had created a “massive black market which now far exceeds the ability of the authorities to control”.

Colin Mendelsohn, author of Stop Smoking, Start Vaping, said the laws were “probably not enforceable” because “the ban doesn’t work”.

Dr Mendelsohn was previously the founding president of the Australian Tobacco Harm Reduction Association, which accepted funding from the vaping industry for set-up costs, but said he did not personally accept funding. The Herald of the Sun and Sunday age does not suggest otherwise.

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He agreed that some products “are brightly colored and are probably designed to appeal to young people” but “the actual harm is greatly exaggerated”.

Dr Mendelsohn said nicotine-free vapes could help smokers because they “address the hand-mouth, sensory and social aspects of smoking”.

The Morning Edition newsletter is our guide to the most important and interesting events of the day. stories, analysis and insights. register here.

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Basic Budgeting Tips Everyone Should Know https://rauchen-aufgeben.org/basic-budgeting-tips-everyone-should-know/ Sun, 13 Mar 2022 12:04:21 +0000 https://rauchen-aufgeben.org/basic-budgeting-tips-everyone-should-know/ Any financial strategy is built on the basis of a well-executed budget. Whether you’re on a tight budget or earning thousands of dollars a year, knowing how your money is being spent is essential to getting your financial situation under control and avoiding financial disaster. Contrary to popular belief, making a budget does not mean […]]]>

Any financial strategy is built on the basis of a well-executed budget. Whether you’re on a tight budget or earning thousands of dollars a year, knowing how your money is being spent is essential to getting your financial situation under control and avoiding financial disaster.

Contrary to popular belief, making a budget does not mean depriving yourself of the pleasures of life. Instead, it helps you know how much money you have, how much you spend, and how to manage it effectively. Here are some tips to help you make and stick to a spending plan.

Basic Budgeting Tips Everyone Should Know

1. Set goals

Do you want to save for an important trip or reduce your overspending? Before setting a budget, you must first define your financial goals. Having a clear vision of your goals can help you create and execute a budget strategy.

2. Choose a budgeting method

There are different approaches to budgeting, and understanding which one best suits your budget goals can help you tremendously. Here are some examples of budgeting techniques to try:

  • Zero-sum budgeting
  • Envelope system
  • A budget that prioritizes paying you first
  • Budget of 50/20/30%, which corresponds respectively to essentials, savings and wants

3. Use a budget template

You can find a variety of budgeting templates online to help you get started on the right foot, especially if you’re new to budgeting concepts. You can easily fill out a form on your computer and then print it out to keep with you each month. Typically, budgeting templates cover expenses that most people encounter, and you may stumble upon one that’s perfect for you.

4. Pay off the debt

Paying off debts is an essential part of creating a reasonable budget. The more obligations you have, the more diligent you need to be to pay them off. There are a variety of approaches, such as debt consolidation programs, that you can use to manage your debts.

Alternatively, you can turn to payday loans for bad credit instant approval to help you avoid paying penalties for overdue debts. You can explore products such as those offered by Viva Payday Loans, which connects borrowers with lenders for quick cash.

5. Keep track of every expense

Keeping track of every dollar spent is essential in every financial concept, including budgeting. Depending on the size and complexity of your budget goals, you can maintain a weekly, monthly, or yearly budget tracker. Plus, you’ll be better able to budget for those costs and find places to cut once you know where your money is going.

6. Analyze your spending habits

Analyzing spending patterns, like tracking costs, is crucial to establishing an operational budget. Get into the habit of tracking your spending if you’re prone to buying things last minute or wasting your money on unnecessary purchases.

Making coffee at home is a simple and inexpensive way to cut down on your expenses. For example, spending $5 on coffee every day adds about $150 in coffee spending each month. Knowing your spending weaknesses allows you to be more effective when developing a budget and increase your total spending capacity.

7. Create a Miscellaneous Expenses Section in Your Budget

It is crucial to plan ahead to avoid disappointment. It’s essential to set up a miscellaneous expense account, so you have money ready for an emergency, like medical bills, a flat tire, or home repairs. It ensures that paying these fees does not put you in debt or require you to use money originally set aside for another reason.

8. Avoid using debit or credit cards.

A credit or debit card transaction does not put money in your hands. If you’re not careful, you risk spending too much or making unnecessary purchases. Cash is best for tracking your money after a transaction. Accumulating credit card debt can cause you to accumulate endless cycles of debt.

9. Save automatically

Short-term purchases are more popular than long-term investments. It can be difficult to put money aside when you start. Automate your savings by sending a pre-determined amount of money to a savings account each week or each month. An even better option would be to allocate a percentage to your savings after receiving your salary.

10. Review your budget often

Budgets can fluctuate on a monthly or even weekly basis. Consider the Christmas season, and many people would like to set aside more money for things like seasonal gifts and decorations than on normal days. Also, income can fluctuate. Therefore, reviewing your budget frequently allows you to stay on top of any changes and take appropriate steps to adapt to them.

Final Thoughts

A budget is a useful tool that lets you know and control where you are spending your money. Whether you’re new to budgeting or have struggled with it before, the budgeting tips above will help you stick to your financial plan and stay on track.

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Back up when you have nothing to back up https://rauchen-aufgeben.org/back-up-when-you-have-nothing-to-back-up/ Fri, 11 Mar 2022 20:17:05 +0000 https://rauchen-aufgeben.org/back-up-when-you-have-nothing-to-back-up/ Sponsored Content Featured by iQ Credit Union We’ve all been guilty of impulsive spending, whether it’s online shopping or late-night fast food. While it seems impossible to retain any kind of savings when living paycheck to paycheck seems impossible, all you need to do is adopt smarter spending strategies into your lifestyle. But you don’t […]]]>

Sponsored Content Featured by iQ Credit Union

We’ve all been guilty of impulsive spending, whether it’s online shopping or late-night fast food. While it seems impossible to retain any kind of savings when living paycheck to paycheck seems impossible, all you need to do is adopt smarter spending strategies into your lifestyle. But you don’t have to do it alone. iQ Credit Union, which has 15 branches in Portland and Southwest Washington, can help you create a personalized savings plan that meets your specific financial situation. By focusing on how to be smarter with your money, you can set yourself up for success by avoiding unnecessary spending. iQ has provided the following user guide to help ease your financial troubles while putting some extra cash in your pocket.

Zero budget

If you’re prone to spending more than you earn, a zero-based budgeting method — where you break down your expenses so that everything you spend and save each month equals your exact monthly income — might help. stay on track. To implement this method, total your monthly income and then allocate a budget to specific categories such as rent payments, groceries, bills, insurance, an emergency fund, etc. Plus, create categories to save towards bigger financial goals, like a down payment for a car or a house.

Use a budget checklist like this one created by iQ to help you organize your monthly expenses. The idea is to use every penny you earn so that at the end of the month what you spend/save is zero. That’s not to say you can’t create a category for fun things like dining out or vacations, but using the zero-based budgeting method also allows you to save while you spend.

Save for a goal

Having short- and long-term financial goals in mind can help you keep your eyes on the prize, whether you’re putting money aside for a retirement fund or a weekend getaway. Saving for a house? Use a calculator tool like iQ to figure out what you can afford, then set a schedule goal to help you stay accountable. Refer to the budget checklist you created to see which categories you can cut back on, and be sure to put additional sources of money like bonus checks and tax refunds into your savings. If you don’t want to be bothered with manually transferring money to your savings account each month, consider setting up automatic monthly transfers between your checking account and your savings account so you don’t have to think about it. . With time, find ways to budget and decrease spendinglike creating a monthly grocery spending cap or conserving water and electricity use to reduce utility costs, will go a long way.

Make sure your bank accounts are paying you well

Get better value by signing up for a plan like iQ’s Easy saver debit card program so you can save while you spend. For example, each time you make a purchase with your iQ debit card, iQ rounds the purchase to the nearest dollar and hides the difference in your savings account. Another point to keep in mind is to look for a checking account with good interest rates. While the big banks often charge maintenance fees and have a high minimum balance requirement, credit unions like iQ generally offer better interest rates on accounts with no monthly balance fees or minimum balance requirements and generally offer better interest rates and account options with no monthly balance fees. Look for good interest rates for checking accounts, like those from iQ Smart verificationwhich offers some of the highest interest rates available.

Pay off your debts wisely

It’s easy to get into debt: almost every household has debt, whether it’s mortgages or student loans. Since most households have debt spread across credit cards and other accounts, it can easily spiral out of control. The faster you pay off your debts, the less interest you will pay and you will have more money left in your pocket. It’s all about being strategic. For example, be sure to pay off the debts that have the highest interest rates first and then reduce them gradually. On the other hand, debt consolidation would allow you to combine all the money you owe into one payment with lower interest rates, which will ultimately be easier to repay. If you don’t know where to start, iQ debt consolidation guide is a great place to get advice on how to repay effectively debt.

Learn more about how to save while visiting iQcu.com. iQ is federally insured by the NCUA.

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Wales aims to become a tobacco-free nation by 2030 https://rauchen-aufgeben.org/wales-aims-to-become-a-tobacco-free-nation-by-2030/ Wed, 09 Mar 2022 14:48:34 +0000 https://rauchen-aufgeben.org/wales-aims-to-become-a-tobacco-free-nation-by-2030/ Wales aims to become a tobacco-free nation by the end of this decade. Around 14% of the population currently take up the habit, but the Welsh Government believe it can reduce this figure to less than 5% by 2030 with the right targeted intervention. Addressing health inequities and increasing support for those who want to […]]]>

Wales aims to become a tobacco-free nation by the end of this decade.

Around 14% of the population currently take up the habit, but the Welsh Government believe it can reduce this figure to less than 5% by 2030 with the right targeted intervention.

Addressing health inequities and increasing support for those who want to quit smoking are high on the list of priorities for reducing smoking rates. There remain strong links between smoking and deprivation, with people in poorer areas being more likely to smoke.

Read more:People are smoking more cigarettes because of the lockdown

It is estimated that the Welsh NHS spends around £302million each year on smoking-related illnesses and diseases. Smoking is still the number one cause of death and illness in Wales and is considered one of the main causes of health inequalities in the country.

Last November the Welsh Government launched a national consultation which will help shape Wales’ long-term tobacco control strategy – and it is calling on the public to get involved before the March 31 deadline.

Last year Wales became the first UK country to introduce smoke-free playgrounds, school grounds and hospital grounds. Most recently, on March 1, 2022, smoking in hotel and guesthouse rooms was banned, along with smoke-free requirements introduced in self-contained holiday accommodation such as cottages and caravans.



Lynne Neagle MS

Deputy Minister for Mental Health and Wellbeing, Lynne Neagle, said: “Our ambition is to make Wales smoke-free and to help people make choices to improve their health and well-being. Although we are already leading the way, we know that more can be completed.

“We want people across Wales to share their views on what can be done to tackle the major health inequalities caused by smoking. By joining the consultation you will play an active role in ensuring the next generation, and everyone in Wales will be able to enjoy healthier, smoke-free lives.”

The new plans will also look at how further support can be provided to help more people quit smoking through the free NHS Help Me Quit service, as well as exploring how publicly funded organizations could be urged to be smoke-free and helping workers get advice. and support to quit.

According to the charity Ash Wales, around 45% of Welsh smokers attempt to quit each year. However, only 3% of them access NHS smoking cessation help each year, despite research showing that help can triple success.

This year, their campaign message centers around ‘Never Quit Quitting’, which encourages smokers not to quit because every quit attempt brings a smoker closer to success.

Ash Cymru CEO Suzanne Cass called on smokers to use No Tobacco Day, March 9, as a catalyst for change. She said: “Today is another solid reason to take charge of your health and quit smoking. For anyone who has struggled to quit smoking, you are not alone and there are services here to support you.

“The NHS Help Me Quit service is a brilliant resource that offers fantastic support for people who want to quit smoking. Such support can triple your chances of quitting smoking.”

Members of the Senedd joined the campaigns efforts by meeting with Ash Cymru and offering their support. John Griffiths MS, Chair of the All-Party Group on Tobacco and Health, said: “I encourage anyone to seek help and not quit smoking, as smoking remains the leading cause of ill health and death. premature in Wales.

“No Tobacco Day is a brilliant cause, which not only highlights the support options available in Wales, but also highlights the benefits of quitting smoking.”

In as little as eight hours after quitting smoking, a smoker’s carbon monoxide levels drop by half and are significantly reduced after two days. After two weeks, blood circulation improves and after three to nine months, lung function can increase by up to 10%. In the year following the cessation of smoking, the risk of heart attack is halved compared to the risk of a current smoker.

In addition to improving health, quitting smoking also has financial benefits. Research by Cancer Research UK has estimated that the average smoker could save over £2,000 a year if they successfully quit.

To have your say on how Wales should create a smoke-free society, visit gov.wales/consultations

get latest Wales News sent directly to o your inbox by signing up for one of our newsletters here.

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The 22 Deadly Symptoms No Smoker Should NEVER Ignore https://rauchen-aufgeben.org/the-22-deadly-symptoms-no-smoker-should-never-ignore/ Wed, 09 Mar 2022 11:28:54 +0000 https://rauchen-aufgeben.org/the-22-deadly-symptoms-no-smoker-should-never-ignore/ SMOKING is still a habit in which one in seven adults in the UK participate. It’s no secret that cigarettes kill – they harm your health in dozens of ways. 1 One in seven people in the UK smoke and are at risk of contracting deadly diseasesCredit: Alamy Smoking increases the risk of more than […]]]>

SMOKING is still a habit in which one in seven adults in the UK participate.

It’s no secret that cigarettes kill – they harm your health in dozens of ways.

1

One in seven people in the UK smoke and are at risk of contracting deadly diseasesCredit: Alamy

Smoking increases the risk of more than 50 serious health problems.

This is why the habit is one of the leading causes of death in the UK, killing some 78,000 people every year.

While you probably already know that it’s possible to quit smoking — and there are resources to help you do so — it’s worth being aware of the symptoms of deadly smoking-related diseases.

These include fatal lung cancer, stroke, heart disease and heart attack.

The red flags of these conditions are:

  1. A chronic cough
  2. coughing up blood
  3. Persistent shortness of breath
  4. Recurrent lung infections
  5. Tired
  6. Loss of appetite/weight loss
  7. feeling of weakness
  8. Numbness or weakness in the legs/arms
  9. Change skin color
  10. Dyserection
  11. Swollen limbs

An emergency (call 999):

  1. A drooping face
  2. An inability to raise both arms in the air and hold them there
  3. Scrambled or slurred speech
  4. Chest pain – a feeling of pressure, heaviness, tightness or compression on the chest
  5. Sudden pain in the upper body, spreading from the chest
  6. Feeling dizzy or dizzy
  7. Sweat
  8. Shortness of breath
  9. feel sick or be ill
  10. An overwhelming feeling of anxiety (similar to a panic attack)
  11. Cough or wheeze

Dr Philippa Kaye told The Sun: “New persistent cough for more than three weeks, or worsening of a previous cough; coughing up blood or rusty colour, hoarse voice for more than three weeks, shortness of breath, chest pain – these are all lung cancer symptoms.

“But smoking also increases your risk of other cancers and other conditions such as cardiovascular disease – so symptoms like chest pain, shortness of breath.”

Symptoms of cancer in general include lumpiness, weight loss, fatigue, pain, bleeding after menopause/between periods/after sex, bleeding buttocks, changes in urination or habits bowels and night sweats.

Dr Philippa said: “In a nutshell, don’t think that smoking just affects the lungs, it can affect the whole body.”

Lung cancer

Smoking causes approximately 7 out of 10 cases of lung cancer.

Lung cancer is the leading cause of cancer death in the UK, accounting for a fifth.

The disease does not tend to cause symptoms until it is advanced.

This makes spotting the signs even more important in order to get treatment as soon as possible.

Warning :

  1. A chronic cough
  2. coughing up blood
  3. Persistent shortness of breath
  4. Recurrent lung infections
  5. Tired
  6. Loss of appetite/weight loss

Many people who light up have what is called “smoker’s cough.”

This can mask lung cancer, as a chronic cough is the most common symptom.

If you have a cough that hasn’t gone away after two or three weeks, see a doctor.

The coughed up blood will be bright red and may bubble because it is mixed with mucus and air from the airways.

If you’re having trouble walking up those stairs or putting your groceries away, you might have persistent shortness of breath caused by lung cancer.

Repeated lung infections are a key sign of lung cancer. This is because a tumor can block the airways.

Less common symptoms of lung cancer include:

  • Changes in the appearance of your fingers, such as becoming more curved or their tips becoming larger (this is called clubbing)
  • Difficulty swallowing (dysphagia) or pain when swallowing
  • Wheezing
  • A hoarse voice
  • Swelling of the face or neck
  • Persistent chest or shoulder pain

Stroke

Smoking doubles the risk of death from stroke – when the blood supply to the brain is cut off, usually due to a clot.

A stroke is a medical emergency – you should not wait until you can see your GP, but call an ambulance.

The sooner someone with a stroke is seen by a doctor, the better chance they have of surviving and avoiding any life-changing disability.

The main symptoms of a stroke can be remembered with the word FAST:

  1. Fas – the face may have drooped to one side, the person may not be able to smile, or their mouth or eyes may have drooped.
  2. Arms – the person suspected of having a stroke may not be able to raise both arms and hold them in place due to weakness or numbness in 1 arm.
  3. SPeech – their speech may be slurred or scrambled, or the person may not be able to speak at all despite appearing to be awake; they may also have difficulty understanding what you say to them.
  4. Jime – now is the time to dial 999 immediately if you see any of these signs or symptoms.

Heart attack

Smoking causes a number of changes in the body that increase the risk of serious heart and blood vessel disease.

It reduces blood flow to the heart, increases the risk of blood clots, damages blood vessels, and makes artery walls sticky, which can eventually lead to a heart attack.

Research has suggested that smoking is a greater risk factor for heart attack in women than in men.

There are three early indicators that you might be having a heart attack.

These are sweating, malaise (which has been compared to anxiety), and chest tightness.

Symptoms of a heart attack can include:

  1. Chest pain – a feeling of pressure, heaviness, tightness or compression on the chest
  2. Pain in the upper body – usually it may feel like the pain is spreading from the chest to the arms
  3. Feeling dizzy or dizzy
  4. Sweat
  5. Shortness of breath
  6. feel sick or be ill
  7. An overwhelming feeling of anxiety (similar to a panic attack)
  8. Cough or wheeze

While the most common symptom of a heart attack in both men and women is chest pain, women are more likely to experience other symptoms such as shortness of breath, nausea/vomiting, and back pain or in the jaw.

Cardiovascular illnesses

It is well documented that harmful substances in tobacco can damage and narrow blood vessels.

This can lead to atherosclerosis, coronary heart disease and peripheral arterial disease – all examples of cardiovascular disease (CVD).

The longer a person has smoked, the more cigarettes they smoke per day, increasing the risk of cardiovascular disease, one of the leading causes of death and disability in the UK.

Research shows that a large proportion of smokers could die of heart disease they have no idea about.

Symptoms may include:

  1. chest pain
  2. Shortness of breath
  3. feeling weak or nauseous
  4. Numbness in the legs
  5. Change skin color
  6. Dyserection

But often there are no signs of cardiovascular disease – as in the case of atherosclerosis.

If you want to quit smoking, try the NHS Smoking Helpline – in England 0800 434 6677, in Wales 0800 085 2219, in Scotland 0800 84 84 84, in Northern Ireland 0808 812 8008.

You can download the free NHS Quit Smoking app to your phone to track your progress or use the resources on the website.

Pharmacies offer services to quit smoking

The NHS has encouraged patients to seek help to quit smoking at their local pharmacy.

Every pharmacy in England will be able to offer smoking cessation aid to patients on discharge from hospital.

This means that smokers admitted to hospital and encouraged to quit can get help from their nearest pharmacist.

People will be able to make three in-person appointments with a pharmacist and receive free quit smoking supplies.

The latest NHS figures show that more than half a million hospital admissions a year are attributable to smoking.

The move follows a pilot project in Oldham, Greater Manchester, where three in five people who used the service successfully quit.

Dr Bola Owolabi, Director of Health Inequalities for NHS England, said: ‘Leaving hospital is a good incentive for people to quit smoking – and NHS pharmacies will be on their local high street with advice , support and treatment to help them with the dangerous habit once and for all.

The sweeping action is part of the NHS’ long-term plan to bring tobacco treatment services to all hospital patients by 2023/24.

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Biden calls for lower child care costs and expanded CTC payments during State of the Union address https://rauchen-aufgeben.org/biden-calls-for-lower-child-care-costs-and-expanded-ctc-payments-during-state-of-the-union-address/ Tue, 08 Mar 2022 12:57:58 +0000 https://rauchen-aufgeben.org/biden-calls-for-lower-child-care-costs-and-expanded-ctc-payments-during-state-of-the-union-address/ During his State of the Union address on March 1, President Joe Biden called for extending child tax credit payments and reducing child care costs. (iStock) President Joe Biden has advocated for an extension of the expanded Child Tax Credit (CTC) and a reduction in child care costs during his State of the Union Address […]]]>

During his State of the Union address on March 1, President Joe Biden called for extending child tax credit payments and reducing child care costs. (iStock)

President Joe Biden has advocated for an extension of the expanded Child Tax Credit (CTC) and a reduction in child care costs during his State of the Union Address March 1.

Biden described reducing the cost of child care as one of the elements of his plan to fight inflation while discussing the country’s economic and financial situation. The expanded CLC also expired in December 2021, prompting some Senate Democrats to write a letter to the president urging him to reinstate them through the Build Back Better Act.

“Middle-class and working families should not have to pay more than 7% of their income for childcare,” Biden said during his speech. Soaring childcare costs have caused families to hold side gigs, borrow money from family, and even move house, according to a study by The Penny Hoarder.

Families in need of extra cash and trying to reduce their monthly expenses in the face of rising inflation might consider taking out a personal loan at a lower interest rate. Head over to Credible to compare rates and lenders and find a schedule that’s right for you.

HALF OF AMERICANS EXPECT LOWER TAX REFUNDS THIS YEAR, SURVEY SAYS

Biden calls for cutting child care costs: ‘Cut costs in half for most families’

During his speech to Congress, Biden said he wanted to change the standard of living for the working class by reducing child care costs, adding that many American families are paying up to $14,000 a year per month. child.

“My plan will cut costs in half for most families and help parents, including millions of women, who have left the workforce during the pandemic because they couldn’t afford child care. , to be able to return to work,” the president said. .

The Penny Hoarder study also noted that the majority of parents (84%) said they felt overwhelmed by the cost of childcare, and 44% of respondents said they paid $1,000 or more per month. in expenses. Biden added that his cost-cutting plan will include home, long-term care and affordable housing.

“Middle-class and working families shouldn’t have to shell out more than 7% of their income to care for young children,” he said.

If you’re looking to reduce your monthly expenses and pay off your debts in the face of rising childcare costs, you might consider a debt consolidation loan. Visit Credible to compare multiple lenders at once and choose the one with the best interest rate for you.

14 MILLION AMERICANS HAVE OVER $10,000 IN CREDIT CARD DEBT, SURVEY SAYS: 3 WAYS TO PAY IT DOWN QUICKLY

Democrats call for extension of child tax credit payments

Senate Democrats have urged Biden to reinstate monthly Child Tax Credit payments, which they say will cut the child poverty rate by 40%. Those expanded payments expired in December 2021, and lawmakers noted in their January letter, citing U.S. Census Bureau data, that nearly all families receiving the payments used them for necessities like housing and groceries.

“CTC’s monthly payments, which averaged $444 for participating families in December, have helped families cope with pandemic-induced price increases — and will continue to do so as families receive the second half of their expanded tax credit this spring,” the letter reads. .

The expanded payments were made by the Internal Revenue Service in the form of monthly installments of $250 per eligible child ages 6 to 17 and $300 per child for those under six. The remainder of the full credit from the expanded child tax credit payments was to be distributed to eligible taxpayers with the 2022 tax return.

The total CTC has increased from $2,000 to $3,000 for each child ages 6 to 17 and $3,600 per child under age 6 for the 2021 tax year.

Families who have been impacted by the halt to expanded CTC payments might consider consolidating high-interest credit card debt into a personal loan as a way to save money. Contact Credible to speak with a loan expert and get all your questions answered.

You have a financial question, but you don’t know who to contact? Email the Credible Money Expert at moneyexpert@credible.com and your question might be answered by Credible in our Money Expert column.

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Philippines will benefit from regulation of less harmful cigarette options, experts say – Manila Bulletin https://rauchen-aufgeben.org/philippines-will-benefit-from-regulation-of-less-harmful-cigarette-options-experts-say-manila-bulletin/ Mon, 07 Mar 2022 05:41:00 +0000 https://rauchen-aufgeben.org/philippines-will-benefit-from-regulation-of-less-harmful-cigarette-options-experts-say-manila-bulletin/ Public health in the Philippines will greatly benefit from the enactment of the vaping bill that regulates alternatives to cigarettes, as scientific studies show that vaping is at least 25 times less harmful than traditional tobacco products, according to international experts . “My research almost 10 years ago showed that vaping was at least 25 […]]]>

Public health in the Philippines will greatly benefit from the enactment of the vaping bill that regulates alternatives to cigarettes, as scientific studies show that vaping is at least 25 times less harmful than traditional tobacco products, according to international experts .

“My research almost 10 years ago showed that vaping was at least 25 times less harmful than cigarette smoking and many subsequent studies have confirmed this risk ratio. The Philippines would surely benefit similarly if vaping were encouraged compared to cigarettes as is the case in the UK and New Zealand,” said Professor David Nutt of Imperial College London.

Several academic experts and researchers, including Professor Nutt, Professor David Sweanor from the University of Ottawa, Professor Peter Hajek from Queen Mary University of London, and Dr. Tom Glynn from the University School of Medicine from Stanford, have expressed support for the regulation of vaping and heated tobacco products (HTPs) as safer alternatives to cigarettes.

They refer to the approval by the Senate and the House of Representatives of the bill to regulate vaporized nicotine products. The bill, which aims to regulate e-cigarettes (ECs) or vapes, HTPs and other non-combustion products considered less harmful than traditional cigarettes, is expected to be signed by President Rodrigo Duterte.

Professor Nutt, who teaches neuropsychopharmacology and is director of the Center for Psychedelics Research at Imperial College London, said concerns that young people who take up vaping would be pressured into smoking cigarettes were not unfounded.

“Fear that vaping is driving young people to smoke cigarettes has been proven unfounded by US data that reveals the most dramatic declines in youth smoking ever recorded because they are using vaping instead,” a- he declared.

Professor Nutt said clinical studies show that cigarette smokers who switch to vaping eventually see better health.

Professor David Sweanor, chair of the advisory committee of the Center for Health Law, Policy and Ethics at the University of Ottawa, said the vaping bill could spark a life-saving public health revolution. many Filipino smokers. “President Duterte can embolden entrepreneurs and empower consumers to spark a public health revolution by signing the vaping law into law,” he said.

He cited examples from around the world showing that non-combustion products such as e-cigarettes and HTPs can replace lethal cigarettes. “This is hugely important because it has been known for decades that the horrific human toll of smoking is due to smoke inhalation rather than nicotine,” he said.

“We can use substitution for those who would otherwise smoke cigarettes, and thus replicate what has dramatically reduced the risks of so many other goods, services and activities. The most toxic consumer product on the market should not be shielded from innovative alternatives, but rather driven out of the market by that innovation,” he said.

For his part, Professor Hajek, whose research has appeared in more than 300 publications and contributed to global anti-tobacco policies, said e-cigarettes and heated tobacco products represent only a small fraction of the risks. related to smoking and have the potential to make smoking obsolete. , which would have a profound beneficial impact on public health.

“Regulators sometimes push to ban EC and HTP on the grounds that these products entice children to smoke. The argument is false. These products, in fact, are turning young nicotine seekers away from smoking,” said Professor Hajek, director of the Health and Lifestyle Research Unit at the Wolfson Institute of Population Health at Queen Mary University of London.

He said vapes have been shown to help smokers quit in clinical trials when provided proactively. “Demographics suggest they are also helping smokers who purchase them as a consumer product. The increase in the use of reduced-risk nicotine products and their sales has been accompanied by a decrease smoking prevalence and cigarette sales Triangulated evidence suggests that EC helps smokers quit and has the potential to replace cigarettes at the population level,” said Professor Hajek.

Professor Hajek said smoking causes cancer, cardiovascular disease and lung disease. “Replacing smoking with the use of EC and HTP would significantly reduce smoking-related suffering and death. Good regulation encourages smokers to switch to these products. Regulations that make them less attractive to smokers are contrary to ethics and damage public health,” he said.

Meanwhile, Dr. Glynn noted the astonishing progress in reducing deaths and illnesses caused by smoking in recent years, made possible by the joint efforts of scientists, public health experts and other groups. .

“In the United States, for example, the percentage of smokers in the population has fallen from over 40% in the early 1960s to around 14% today, representing millions of lives saved from the ravages of cigarette smoking. Driven by the collaborative efforts of clinicians, scientists, public health experts, policy and policy advocates, and advocacy organizations, the extent of progress and long-term trends of declining prevalence of smoking have made the disappearance of smoking almost inevitable,” he said. .

Dr Glynn said this progress in reducing smoking was in danger of stalling, amid the divisive and shameful conflict that is moving away from science. “Good science has given us the clinical, policy and advocacy tools to end smoking. We must now end the conflict in the global tobacco control community and use these tools to move tobacco to the endgame and thus put the finishing touches to one of the greatest public health achievements of the last century, if not the bigger,” said Dr. Glynn, associate professor at Stanford University’s Center for Prevention Research.

The World Health Organization has estimated that 17 million Filipinos continue to smoke cigarettes. About 100,000 smokers in the Philippines die each year from smoking-related diseases such as cancer, cardiovascular disease and lung disease.

Amid this worrying scenario, many Filipinos believe the government should enact policies to encourage adult smokers to switch to less harmful tobacco alternatives, according to a survey conducted last year by ACORN Marketing & Research Consultants, the most large independent Asian research network.

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3 super high yielding energy stocks to buy in 2022 and beyond https://rauchen-aufgeben.org/3-super-high-yielding-energy-stocks-to-buy-in-2022-and-beyond/ Sun, 27 Feb 2022 13:04:00 +0000 https://rauchen-aufgeben.org/3-super-high-yielding-energy-stocks-to-buy-in-2022-and-beyond/ Master Limited Partnerships (MLPs) can be ideal for generating passive income. Although these vehicles have more tax complications — they issue a Schedule K-1 for tax purposes instead of the more familiar Form 1099 — they must distribute 90% of their taxable income to investors to maintain their tax advantages. This means that most MLPs […]]]>

Master Limited Partnerships (MLPs) can be ideal for generating passive income. Although these vehicles have more tax complications — they issue a Schedule K-1 for tax purposes instead of the more familiar Form 1099 — they must distribute 90% of their taxable income to investors to maintain their tax advantages. This means that most MLPs offer ultra-high dividend yields.

Three MLPs that are offering significant returns that they should be able to sustain for years to come are Crestwood Equity Partners ( CEQP 2.03% ), Energy transfer ( AND 0.93% )and Enterprise Product Partners (EPD 2.02% ). This makes them great options for investors looking to generate sustainable income. passive income.

Add more fuel to the distribution growth engine

Crestwood Equity Partners is currently offering a monstrous payout of 8.6%, light years ahead of the S&P500is 1.4% dividend yield. While such a high payout might seem like a high risk of discount, that’s not the case at Crestwood. Instead, the company expects increase its distribution by 5% this year.

The MLP can easily support this higher payout. It expects to generate enough cash to cover its 2.0 to 2.2 times distribution this year. Meanwhile, even after financing $160 million to $180 million in expansion projects — up from about $50 million last year — Crestwood is expected to generate $75 million to $135 million in excess cash. This will give it money to shore up its already strong balance sheet – leverage is within its long-term target range – and buy back some of its equity.

Image source: Getty Images.

Crestwood may increase its payout as it recently completed its acquisition of Oasis Midstream. This agreement provided an immediate increase in cash flow, as well as future benefits through expansion savings and expansion projects. It was the first big step in Crestwood’s consolidation strategy, which could see it gobble up more MLP. These future deals, along with its organic expansion plans, would give it more fuel to continue growing its distribution in the future.

Return to where he was

Energy Transfer distribution is currently yielding 7.2%. This payout is also on track to increase this year. Energy Transfer recently increased it by 15% to $0.175 per unit each quarter.

It is probably the first of several increases that investors can expect in the coming years. Energy Transfer has set a goal of returning its distribution to its previous level of $0.305 per unit each quarter going forward. It reduced the payment from this level in 2020 to conserve more cash to reduce debt.

This strategy worked well. Energy Transfer paid off $6.3 billion in debt last year, putting its debt-to-equity ratio near its target range. This gives it the flexibility to start returning more cash to investors. It could immediately increase its payout to its old level as it generated enough cash to cover the current level three times last quarter. However, the MLP wants to retain some short-term financial flexibility to seize additional expansion projects. These projects would give him even more fuel to increase his payout in the future.

As stable as they come

Enterprise Products Partners pays an 8% distribution. What stands out about the MLP payout is its steady growth. Enterprise has increased its distribution for 23 consecutive years.

This upward trend looks set to continue. For starters, Enterprise Products Partners has one of the highest quality financial profiles in the MLP space. It has excellent credit and a conservative payout coverage ratio of 1.7 times.

This gives it the financial flexibility it needs to continue its expansion. The MLP recently completed its $3.25 billion purchase of Navitas Midstream Partners, expanding its operations into the rapidly growing Midland Basin. Meanwhile, it plans to invest $1.5 billion in expansion projects this year. These investments will help increase its cash flow, giving Enterprise more fuel to increase its distribution.

Fully funded passive income streams

Crestwood Equity Partners, Energy Transfer and Enterprise Products Partners generate lots of steady cash flow by operating midstream energy infrastructure. This gives them the funds to pay large distributions and invest in expanding their operations. Add to that their strong financial profiles, and all three have the fuel to keep increasing their already large payouts in the years to come. This makes them great options for investors looking for lucrative passive income streams.

This article represents the opinion of the author, who may disagree with the “official” recommendation position of a high-end advice service Motley Fool. We are heterogeneous! Challenging an investing thesis — even one of our own — helps us all think critically about investing and make decisions that help us become smarter, happier, and wealthier.

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Heart disease: Vaping impacts heart health in men, but not women, new study finds https://rauchen-aufgeben.org/heart-disease-vaping-impacts-heart-health-in-men-but-not-women-new-study-finds/ Tue, 22 Feb 2022 09:16:35 +0000 https://rauchen-aufgeben.org/heart-disease-vaping-impacts-heart-health-in-men-but-not-women-new-study-finds/ Several habits can put you at higher risk for heart disease. Risk factors are conditions or habits that increase your risk of developing a disease. Currently, the British Heart Foundation (BHF) reports that healthcare costs related to heart and circulatory disease are estimated at £9 billion each year. A new study has shed light on […]]]>

Several habits can put you at higher risk for heart disease. Risk factors are conditions or habits that increase your risk of developing a disease. Currently, the British Heart Foundation (BHF) reports that healthcare costs related to heart and circulatory disease are estimated at £9 billion each year. A new study has shed light on the long-term impact of vaping on poor heart function, especially in men.

A world-first study of the long-term effects of vaping has found a shocking link to poor heart health in men.

The study, published Monday in a journal of the American Heart Association, tested the reaction of adolescent mice to e-cigarette aerosol.

It showed that vaping had a significant negative impact on the cardiovascular system of adolescent males, but not females.

Lead researcher from The Ohio State University College of Medicine, Loren Wold, said it was important to conduct the research because not enough was known about the impact of vaping on young people.

READ MORE: Ant McPartlin’s health: ‘I’m everywhere’ – Star on diagnosis that ‘made sense’

“We don’t know the long-term effects of vaping because it’s only been around since the early 2000s,” she said.

“We haven’t had time to see what’s going on, especially with the teenagers. To our knowledge, this is the first study to assess cardiac function in adolescent mice exposed to e-cigarette aerosols.

“An animal study like this is important because it is not possible to enroll children in a study like this.

“These types of studies give us insight into the dangers of vaping so we can develop therapies and educate parents and policy makers about the risks of vaping.”

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E-cigarette vaping has been proposed as a safer alternative to smoking, but this remains controversial due to the lack of long-term comparative studies.

Studies have previously shown that while e-cigarette vaping-induced abnormalities were observed in the absence of nicotine, they occurred earlier and were more severe with higher nicotine exposure.

Thus, long-term vaping of e-cigs can induce cardiovascular disease similar to smoking, and the severity of this toxicity increases with exposure time and the nicotine content of the vape.

Exposure to e-cigarettes has resulted in cardiovascular disease similar to smoking.

Vaping has also been found to increase the occurrence of systemic hypertension and subsequent cardiac enlargement.

The NHS says: “In the UK, e-cigarettes are strictly regulated in terms of safety and quality.

“They’re not completely risk-free, but they carry a small fraction of the risk of cigarettes.”

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The harms of smoking double https://rauchen-aufgeben.org/the-harms-of-smoking-double/ Sun, 20 Feb 2022 18:13:19 +0000 https://rauchen-aufgeben.org/the-harms-of-smoking-double/ PETALING JAYA: Malaysia is currently facing a ‘double burden’ from conventional smoking and e-cigarettes, says the President of the Malaysian Association for Adolescent Health, Professor Mohamad Haniki Nik Mohamed. He said it got worse due to the high prevalence of smoking among teenagers between the ages of 13 and 15 – who are dual users […]]]>

PETALING JAYA: Malaysia is currently facing a ‘double burden’ from conventional smoking and e-cigarettes, says the President of the Malaysian Association for Adolescent Health, Professor Mohamad Haniki Nik Mohamed.

He said it got worse due to the high prevalence of smoking among teenagers between the ages of 13 and 15 – who are dual users – for both conventional cigarettes and e-cigarettes.

“Vaping is popular with our youth and it renormalizes smoking behavior and acts as a gateway to conventional smoking for new smokers.

“The THR concept applied in other countries may not work given the context of e-cigarette usage in Malaysia.

“Furthermore, it is heavily promoted by the tobacco industry, which also produces its own brands of e-cigarettes. So it actually promotes substitution or even harm-creation, given that more harmful effects of smoking and exposure to e-cigarettes are identified,” he said.

In a recent survey by Malaysian think tank DARE (Datametrics Research & Information Centre) conducted by market researcher Green Zebras, the majority (80%) of Malaysians believe that adopting tobacco harm reduction (THR) strategies ) in the country will help smokers quit smoking. traditional tobacco cigarettes.

The Clearing the Smoke: An Insight on Tobacco Harm Reduction poll also found that more than half of respondents (58%) are aware of several studies that have proven THR products to be less harmful than traditional cigarettes.

Of all the THR products available, about half of respondents (51%) rated vaping as the most convenient and safest way to quit smoking.

Public Health England, the UK’s leading public health agency, found that vaping products were the most popular method used by consumers who wanted to try quitting smoking.

Since implementing the THR’s strategy of using vaping products to help reduce smoking habits, two million smokers successfully quit between 2011 and 2019.

Dr Haniki added that if the generational endgame is not implemented soon, the country will also bear a greater burden of long-term treatment costs associated with smoking due to the fact that the percentage of smokers will be the even, or even higher.

“With an estimated population growth of 1.5% in five years as well as an increase in medical costs of 5% per year for the cost of treating service providers and diseases, the government will only bear the cost of treatment by three diseases caused by conventional smoking. (lung cancer, heart attack and chronic obstructive airway disease) up to RM8.77 billion in 2030

“The projected number of e-cigarette users was calculated based on an incidence rate of 0.04% and treatment costs were calculated based on ward admission for four days and d an admission to the room for 12 days.

“With the percentage of e-cigarettes being used at the current rate, the government will bear the cost of treating RM369mil by 2030,” he said.

On the issue of illegal cigarettes, he said they should be controlled simultaneously and enforcement should be strengthened by relevant agencies in line with the implementation of the generational endgame.

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