Tag Archives: health

How my 2020 Summer Health crisis left me grateful for past Money and Life Decisions

By Darin Diehl

Special to the Financial Independence Hub  

Figure 1 Darin Diehl (top right) in Post Workout Group shot with his trainer and classmates, May 17, 2020.

I was crushing it on the morning of May 17, 2020.  The kettle bells somehow felt a little lighter that Sunday: even as my trainer, who I have worked with for a decade, was driving us a little harder that morning. Three times a week my classmates and I gathered online for this punishment: with most of us taking in a yoga stretch class up to three more times a week with the same trainer. It had all become part of the Covid-19 lockdown routine, along with all the bread and cookie baking.

But later that morning I developed some discomfort horizontally across my chest that I thought might just be muscle strain. And while this sensation abated by midday, I also started to feel nauseous, headachy and would later develop the chills. These symptoms led me to bed for the next few days. My wife and I wondered about Covid, but by Thursday of that week all the symptoms had gone. However, I was now feeling a new chest irritation – more centred in my chest versus across my chest as before.

My wife’s cousin, a nurse, had sent us a list of updated Covid-19 symptoms and encouraged us to call Ontario Telehealth and walk through the screening questions. I waited till Friday, May 22 to do that. The nurse asked me all the Covid questions but was most interested in me describing the different chest pains I felt that day and five days earlier. Then, in a decision that I believe may have saved my life, she told me she believed I had suffered a heart attack and was ordering an ambulance.

Maybe you are thinking, ‘Of course you had a heart attack you idiot.’ But, hey, I had never had one before and there was no chest clutching or left arm pain – any of the stuff you hear about. So, as my wife, my younger of two daughters and son waited with me for the ambulance we mused that at least I’d get checked out and undergo a Covid-19 test.

“Mr. Diehl, you’ve had a heart attack.”

I was taken to the Covid-19 emergency intake at Trillium Health Partners, Mississauga Hospital just a 10-minute drive from our home. I was swabbed and blood was drawn for a battery of tests. At one point in the afternoon a doctor came to see me and said I’d likely be sent home and asked to self-isolate until they called with my Covid-19 test results. But he first wanted to conduct a couple more blood tests for specific heart attack indicators. I was arranging pick up with my wife when he returned a little later and told me, “Mr. Diehl, you’ve had a heart attack.”

The words, spoken so manner of fact, left me stunned. I recovered from the initial shock and asked what would happen next. The answer was more tests, including chest scans. The next day a cardiologist came by and explained that I would be undergoing an angiogram in a few days so they could see what was happening inside my heart. And it seemed that indeed that was a heart attack I’d experienced on Sunday, May 17th and that as a result the sack around my heart had become irritated and inflamed by the following Thursday, when I started to feel the second chest discomfort.

Later that evening the cardiologist paid me another visit to mention that one of the scans indicated nodules on both of my lungs which would need to be investigated. That night it all caught up to me. Alone in an isolated room (my Covid test result was still pending), no visitors allowed, and news of a heart attack and “some other problem” in my lungs bouncing around in my head, I cried for some time in fear and shock. What the hell just happened? I had been exercising regularly, had never been under treatment for high cholesterol and I was not a smoker.

Figure 2 A visit from Darin’s family in the parking lot outside his hospital room window.

By Sunday morning I arrived on the cardiac floor. My Covid-19 test was negative (I’d have three more negative tests before leaving the hospital). My angiogram was scheduled for the following Tuesday. A respiratory doctor had come in to talk to me about the nodules on my lungs, explaining that they could be a number of things, some more worrisome than others. At this point no one had said the word cancer, yet there it was taking up residence inside my thoughts. But for now, we’d all focus on the heart.

My angiogram revealed I would need at least four bypasses as some of the plumbing feeding my heart had blockages ranging from 30 per cent to almost 100 pe rcent. I was told I could be scheduled for the procedure by the end of the week. In fact, on Thursday morning a nurse came into my room and shaved my chest, arms, thighs and nether regions to prep me for possible surgery that afternoon.

But there was a problem. I had developed a gastrointestinal issue which at first, they thought might be a reaction to some of the myriad medications I was on. But by noon I learned my surgery was canceled because, as a doctor explained to me, I had a parasite. Confusion and incredulity were the feelings of the moment as the he asked if I’d recently been to a farm or agricultural plantation. I mean, it’s 2020 and all, but this was just nuts. “Perhaps you should test me for Ebola,” I quipped. He chuckled and said my system would clear the parasite in a day or two, so no worries.

My surgery was rescheduled for Monday, June 1st.  I was feeling good because I’d checked on the reputation of the surgeon and he was clearly an ace. In fact, to that point I had experienced an array of fantastic medical professionals – doctors, nurses and nurse practitioners, various technicians – all of them so well qualified and so compassionate. Continue Reading…

How to maintain Mental Health and Wellbeing during the COVID lockdown

By Michael Jacobs

Special to the Financial Independence Hub

Amid the COVID-19 pandemic, many countries, states, and cities across the globe have been recommending self-isolation. Many states in the U.S. have recommended that people shelter in place and only go out for necessities. However, lack of social interaction and fresh air and sunlight can have a negative effect on anyone’s mental health and wellbeing.

Separation from family, friends, and colleagues can often trigger feelings of anxiety, anger, restlessness, stress, and depression. However, when you are on lockdown and cannot seek out the obvious remedy, what can you do? Prioritizing self-care while in self-isolation is crucial to coming out of this time happy and adjusted and ready to face renewed social interaction.

Here are a few ways to cope with the anxiety and depression that can accompany being isolated:

Keep busy

Keeping to a regular schedule, including a regular wake up time and bedtime, can help you battle the emotions that creep up when you’re unable to make connections. Another thing that can really help you is to keep busy. Get to work on that household project you’ve been putting off. Learn a new language or begin a new hobby through tutorials on YouTube. Consider broadening your education by taking free courses offered online.

Hang out with your pets

If you have a pet, now is an ideal time to reinforce those bonds. Petting your furry companion releases dopamine and serotonin and both chemicals help to reduce stress and stabilize mood. Taking them for walks, for a playdate in the park, or look into how to teach them new tricks online. Spending time with a companion animal is an ideal way to take care of your mental wellbeing.

Limit News and Social Media

Images of the number of coronavirus cases, empty grocery store shelves, and companies laying off workers can cause just about anyone stress. While you do need to stay informed, you might want to stop watching the news 24/7 and might want to limit your time on social media. Being reminded constantly of the pandemic can cause stress, anxiety, and depression. If you have a friend constantly posting about the pandemic, consider muting them or unfollowing them for the time being.

Read

Watching television or browsing YouTube for cute cat videos can seem like an escape, but reading can stimulate your imagination. It can also give your brain a reprieve from reality. Reading for just six minutes can lower blood pressure and ease muscle tension. Even listening to an audiobook can help relieve anxiety. If your local bookstore isn’t open, many libraries have apps and you can also download books to your iPhone or Android through the Kindle app.

Try CBD Oil

There are several studies that show that CBD oil can help ease anxiety. In a double-blind study conducted in Japan in 2019, 37 teenagers were given either 300mg of CBD oil or a placebo daily for four weeks. The CBD-oil recipients noticed a similar decrease in symptoms to that of Paroxetine, a drug commonly used to treat social anxiety disorder.

Another study conducted in Colorado sampled 47 patients who had concerns about anxiety. Most of the patients were given 25mg of CBD in addition to treatment. After the first monthly assessment, 79.2% of patients reported improvement. After two months, 78.1% reported continued improvement. CBD oil can be used as a tincture or taken in capsules. For immediate relief, however, consider a CBD oil in one of your favorite vaporizers.

Be mindful

If you see self-isolation or shelter in place orders as more of a punishment, it may help to practice mindfulness. Focus on the fact that by staying at home, you are not exposing yourself or any of your loved ones to the virus. You are also helping to flatten the curve, so that hopefully, the virus can stop being spread and we can all get back to normal that much faster. Focus on the fact that you are doing the right thing. Continue Reading…

5 financial benefits of having a healthy lifestyle

By Morgen Henderson

Special to the Financial Independence Hub

Most of us have been given medical advice to eat healthier and get regular exercise, and there are certainly daily benefits to these choices, like feeling more energetic, having a better mood, and experiencing less pain. But we don’t always consider the financial benefits of a healthier lifestyle.

Although spending more money upfront on things like organic food and gym memberships or other fitness activities might seem like it doesn’t fit into a frugal financial lifestyle, the money you’ll save both in your monthly spending and in the long run makes the initial costs well worth it.

1.) Cheaper insurance later in life

When you get older, you may need life or burial insurance (if you don’t have it already), and being healthy will help you get better rates for your policy. Living in an unhealthy way may lead to health problems down the line. Although it’s still possible to get it, it can be more difficult to get funeral insurance for pre-existing conditions (also known as “final expense” and “burial” insurance). For instance, if smokers need insurance, but they now have lung cancer, it may be hard for them to find a policy, and if they do, it may cost them more.

2.) Lower health care costs

Health care companies often charge higher premiums for people with pre-existing conditions or chronic health problems such as hypertension and diabetes, and sometimes also for smokers. Beyond that, if you have a chronic health condition, you’ll need to pay more out of pocket for prescriptions, doctor visits, and medical treatments. While not all such conditions are preventable through healthy living, many common ones — diabetes, heart disease, certain types of cancers, and osteoporotic hip fractures, to name a few — are.

The World Health Organization found that “physically active individuals in the USA save an estimated $500 per year in health care costs.” That’s based on data from 20 years ago, so savings are even higher today.

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3.) Less spending on filler foods

Choosing whole foods over packaged, processed foods like chips and other snacks means you’re getting more nutrition for your dollars. Changing your snacking habits can help you do this. And adjusting portion sizes to meet what your own body needs will also help shave down your spending on food.

What’s more, cutting out other indulgences many people regularly consume, such as tobacco and alcohol, will save money each year that you can redirect to retirement savings or other investments. Healthier eating habits and reduced substance use will affect your budget now, and your health care costs later. Continue Reading…

7 tips to create and maintain a healthy Lifestyle

By Jessica Ann

Special to the Financial Independence Hub

A healthy lifestyle is a significant factor that can make your life more enjoyable. If you want to enjoy more of life and all the perks that come with it, you have to make sure that you are physically and emotionally healthy. These are the requirements for a longer and productive life.

Everyone should be able to recognize that having a happy existence is something they can achieve if they’re willing to embrace a life that is focused on caring for physical, mental and emotional flourishing. There are many factors that may affect your physical health but you also have to know that you can always change things and maintain a healthy lifestyle.

Here are some of the most important tips to help you create and maintain a healthy lifestyle:

 Apply rule ‘Early to Bed Early to Rise’

 You often hear people who were not able to get enough sleep about how this deprivation has affected their daily routine. Your productivity is also dependent on how well you rested the night before. This is because the body needs to recharge after a tiring day. With this, you should make it a part of your list to apply the rule ‘early to bed, early to rise.’ Make this a habit and be consistent in following this rule. This is  important especially if you are a very busy person.

Diifferent distractors can hinder you from sleeping early and these are the ones you have to eliminate. Before going to bed, you should put your smart phone and other gadgets aside. This way, you will be able to sleep immediately. Early risers have the best opportunity to do more during the day because they have more energy. Let this be a motivation for you to be able to apply this rule for yourself.

 Exercise regularly

Regular exercise is important for everyone because of the different benefits we can get from it. First, this is one of the most natural ways to reduce weight. For people who are planning on losing weight naturally, they should set a regular exercise routine. Aside from that, it can also lower blood pressure and the blood cholesterol level. And if you want to take care of your heart and avoid the risk of type 2 diabetes, exercise is the best thing to consider. As well as a regular meditation practice for helping calm the mind before bed. Mindfulness meditation is also best.

 Avoid Junk foods

 You become what you eat. This may sound a bit harsh but the reality is that the junk foods that you are eating greatly affect your body and your whole system. Remember that the body depends on the food you eat and how it functions in the long run will be affected if you are not going to choose wisely. There are different ways on how junk food can affect you. Instead of supplying your body with the right amount of energy, you are depriving yourself with the nutrients that you need to get through with the day. Continue Reading…

Do you really need Dental Insurance?

By Wally Thompson

Special to the Financial Independence Hub

April was Oral Health Month in Canada and while we should take care of our oral hygiene year-round, past studies show that a whopping 6 million Canadians avoid the dentist because they simply can’t afford it.

When it comes to dental insurance, a new survey from Manulife revealed:

  • More than one third of Canadians do not have access to private health and/or dental insurance coverage
  • When choosing coverage, 42% said the most determining factor is the cost of premiums, followed by companies offering a variety of coverage options (36%)
  • While 30% of Canadians make sure they visit the dentist for regular check-ups, 29% hate having to do it
  • For those who have visited the dentist, 52% admit to feeling guilty about their oral care habits

A visit to the dentist may not be everyone’s idea of fun but regular visits are beneficial for our overall health. Getting dental insurance for you and your loved ones helps make sure the right care is available on a regular basis and when there is an emergency.

Here are four common misconceptions and what to look for when purchasing dental insurance in Canada:

I’m healthy so there’s no need for dental insurance

If you don’t have dental insurance, don’t wait until you need to deal with a tooth infection, a chipped tooth or to be in serious need of cleaning to start looking into your coverage options. Individuals and their families should consider a plan when they are healthy in order to protect themselves from conditions that may arise in the future. Individuals will need to do a complete assessment on their needs to determine their overall supplemental health insurance coverage. Health status, affordability and the types of coverage are a few key factors that would be part of your overall needs assessments.

If you work with a financial advisor, he or she can also help you and your family complete your overall needs assessment and complete the purchase. You should also ask your advisor how these premiums can be treated as a business expense for your annual tax returns.

I can’t afford insurance

Continue Reading…