Lifestyle Underwriting

It’s 8:00 AM…yes, I’m Thinking About Drinking

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Alcohol use is ubiquitous in the United States, with 84% of adults reporting use at some point. Alcohol use disorder (AUD) is a serious and persistent disease at the extreme end of alcohol use that contributes heavily to the burden on the healthcare system, with more than 200,000 hospitalizations each year due to the condition. About 6% of people in the United States have AUD. However, only 7.6% of patients with AUD seek treatment, although several pharmacologic and nonpharmacologic treatment options are available. Stephen Soreff. Rapid Rx Quiz: Alcohol Use Disorder Treatments – Medscape – Dec 30, 2024. https://reference.medscape.com/viewarticle/1002119

  • Overall mortality rates increased from 10.7 (95% CI, 10.6-10.8) per 100,000 in 1999 to 21.6 (95% CI, 21.4-21.8) per 100,000 in 2020, representing a significant twofold increase.
  • Adults aged 55-64 years demonstrated both the steepest increase and highest absolute rates in both 1999 and 2020.
  • American Indian and Alaska Native individuals experienced the steepest increase and highest absolute rates among all racial groups.
  • The West region maintained the highest absolute rates in both 1999 and 2020, despite the Midwest showing the largest increase. Edited by Lora McGlade. US Alcohol-Related Deaths Double Over Two Decades, With Notable Age and Gender Disparities – Medscape – November 21, 2024. https://www.medscape.com/viewarticle/us-alcohol-related-deaths-double-over-two-decades-notable-2024a1000l98?

Nearly 500 years ago, Swiss physician and chemist Paracelsus expressed the basic principle of toxicology: “All things are poison and nothing is without poison; only the dose makes a thing not a poison.” This is often condensed to: “The dose makes the poison.” It means that a substance that contains toxic properties can cause harm only if it occurs in a high enough concentration. https://www.chemicalsafetyfacts.org/health-and-safety/the-dose-makes-the-poison/

Dry January? If you’re doing this trendy behavior you know you drank too much this past holiday season.

Cancer warnings on alcohol? No one will read them.

Trust your intuition. If you’ve ever felt like you drink too much alcohol then you do.

1-800-662-HELP or text 988 for SAMHSA’s National Helpline.

Smartphones, Ultra-Processed Foods, Diminished Family Bonds and Mental Wellness

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As mental well-being has remained largely static across the world since 2021, so too have the rankings of countries. At the top of the rankings are many Latin American and African countries while much of the core Anglosphere ranks in the bottom quartile. With national wealth indicators such as per capita GDP negatively correlated with average mental well-being scores (see our 2021 report), this year we have made substantial progress in our understanding of why this is so. Two key findings published in Rapid Reports in 2023 show that younger age of first smartphone ownership and ultra-processed food consumption are two major contributors to our mental health challenges. In wealthier countries, the age of first smartphone ownership is much younger and ultra-processed food consumption much higher. Other contributing factors are the relatively diminished family relationships in wealthier countries that are highlighted in our 2022 annual report. The Mental State of the World in 2023 – https://mentalstateoftheworld.report/2023_read/

Another Sunday morning, just reading and connecting the dots.

I’ve downloaded several of these reports and plan to do a deep dive later.

Read these reports and think about it.

Now do something about it.

Ugh… Kids These Days!

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While cocaine was once the drug of choice, bankers are now reportedly turning to the ADHD medication for work days that can last as long as 22 hours, along with nicotine patches and energy drinks. 90-hour-a-week Wall Street bankers snorting lines of Adderall at their desks – https://www.telegraph.co.uk/world-news/2024/12/15/90-hour-a-week-wall-street-bankers-snorting-adderall-desks/

It never ceases to amaze this Old Underwriter how people manage to find creative ways to kill themselves.

What’s Your America? (there are 10 Americas) – Updated with Scary Charts 02.01.25

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Asians and Native Hawaiian or Pacific Islanders definitively outlive other Americans. Is there anything we can learn from them? A confluence of factors may be at play. They tend to have relatively higher socioeconomic status, lower rates of obesity, and the lowest smoking rates of any racial group in the U.S. Healthier traditional cooking may also contribute to their longevity. When it comes to life expectancy, there are 10 Americas – https://bigthink.com/health/ten-americas-for-life-expectancy/

Attention Mortality Risk Experts

Sharpen your pencils and don’t ask me what a pencil is.

Updated 02.01.25 with Scary Charts

Would You Pay $700.00 a Month to Live in One of These?

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Large enough to fit a twin mattress!

Sleep on it: the $700 San Francisco ‘pod’ with privacy curtains and charging ports

A company that rents “sleeping pods” in downtown San Francisco for $700 a month has had 300 people apply for its remaining 17 beds, the company’s CEO said. https://www.theguardian.com/society/2024/oct/31/san-francisco-sleeping-pods-affordable-housing-crisis?

Mmm…no.

Dietary Approaches to Obesity Treatment

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There is no single diet that can universally fit everyone for weight loss benefit.

Parmar RM, Can AS. Dietary Approaches to Obesity Treatment. [Updated 2023 Mar 11]. In: StatPearls [Internet]. Treasure Island (FL): StatPearls Publishing; 2024 Jan-. Available from: https://www.ncbi.nlm.nih.gov/books/NBK574576/ — https://www.ncbi.nlm.nih.gov/books/NBK574576/

Words of Wisdom from a former 370 pound human.

What worked for me may not work for you.

Keep searching for what works for you.

Find the differences that make a difference.

Good luck.

Would You Pay $850.00 a Month to Live in One of These?

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The image above shows a proposed apartment in Denver, which would cost about $850 – less than half the current median rent in the city of $1,771. Are ‘micro-apartments’ converted from offices the answer to the housing crisis? https://www.usatoday.com/story/money/personalfinance/real-estate/2024/10/22/empty-offices-become-tiny-apartments-housing-crisis/75784459007/

I actually visited some micros in Providence RI.

One of the nation’s most beautiful historic shopping arcades was restored as 48 affordable micro-lofts, rents starting at $550 per month, and 17 small retail spaces in Providence, Rhode Island. The Micro Lofts at the Arcade Providence, completed in 2012, helps keep young professionals and artists downtown and is a major step in revitalizing the city. Micro Lofts at the Arcade Providence – https://www.cnu.org/what-we-do/build-great-places/micro-lofts-arcade-providence

If I were a lot younger, single, had a job in a CBD and not set in my Old Man Ways I would consider micro-living. I might even try a repurposed recycled wind turbine.

wind turbine tiny house

all images courtesy of Vattenfall and Business in Wind

During Dutch Design Week 2024, Superuse and Vattenfall showcase the discarded wind turbine part they’ve transformed into a furnished tiny house powered by solar panels. The design studio and energy company convert a nacelle, which is the top part of a wind turbine or the container of the engine, into a compact and movable furnished home, and visitors to the Dutch event can see it firsthand between October 19th and 27th, 2024, in Eindhoven. discarded wind turbine vessel turns into solar-powered tiny house by superuse and vattenfall — https://www.designboom.com/technology/superuse-vattenfall-discarded-wind-turbine-solar-powered-tiny-house-dutch-design-week-2024-10-24-2024/

I keep telling The Boss all I’m trying to do is to make our retirement income last as long as we last.

Rejected. Again.

Scary Charts 09.23.24 (another generational gap)

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54 percent of Gen Z participants polled for Statista’s Consumer Insights survey in the U.S. between July 2023 and June 2024 claim that owning a car is important to them, compared to 69 percent of baby boomers. This suggests that the perceived necessity of car ownership is not only influenced by the availability and quality of public transit but also by generation. Owning a Car Is Less Important To Younger Generations https://www.statista.com/chart/33097/importance-of-owning-a-car-for-us-residents-by-generation/

Let me think about this. Digital from birth, Covid-19 pandemic global shutdown, social media, shared ride businesses, grocery shopping done and delivered, prepared meal delivery, inflation, cost of cars both new and used, shit jobs that don’t pay much, cost of car insurance and maintenance, cost of gasoline, going Green, fear of accidents, fear of violence, self-fulfilling prophecy, coddled since birth, never learned to drive, never wanted to drive…

Did I miss anything?

Marijuana is Too Strong (THC turbocharged)

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For some, it can be dangerous. In the past few years, reports have swelled of people, especially teens, experiencing short- and long-term “marijuana-induced psychosis,” with consequences including hospitalizations for chronic vomiting and auditory hallucinations of talking birds. Multiple studies have drawn a link between heavy use of high-potency marijuana, in particular, and the development of psychological disorders, including schizophrenia, although a causal connection hasn’t been proved. “It’s entirely possible that this new kind of cannabis—very strong, used in these very intensive patterns—could do permanent brain damage to teenagers because that’s when the brain is developing a lot,” Keith Humphreys, a Stanford psychiatry professor and a former drug-policy adviser to the Obama administration, told me. Humphreys stressed that the share of people who have isolated psychotic episodes on weed will be “much larger” than the number of people who end up permanently altered. But even a temporary bout of psychosis is pretty bad. Marijuana Is Too Strong Now – https://www.theatlantic.com/ideas/archive/2024/08/high-potency-marijuana-regulation/679639/

Low Magnesium Levels Do What?

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Scientists from the University of South Australia measured blood samples from 172 middle aged adults, finding a strong link between low magnesium levels and high amounts of a genotoxic amino acid called homocysteine. University of South Australia. “Low magnesium levels increase disease risk.” ScienceDaily. http://www.sciencedaily.com/releases/2024/08/240812123307.htm (accessed August 13, 2024).

Journal Reference:

Varinderpal S. Dhillon, Permal Deo, Michael Fenech. Low magnesium in conjunction with high homocysteine increases DNA damage in healthy middle aged Australians. European Journal of Nutrition, 2024; DOI: 10.1007/s00394-024-03449-0

Whole grains, dark green leafy vegetables, nuts, beans, bananas, avocados and dark chocolate are magnesium-rich foods.