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Here’s how to avoid the financial pitfalls of the holiday shopping season – Essence

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Black Friday sales concept. Black Friday sale text on black banner on cart with colourful shopping bags.

The holiday season is a time to buy costlier items at bargain prices, but even the biggest discounts can land you in debt in the event you’re not careful.

According to CNBC report in 2011, shoppers spent almost $1,000 on purchases for family and friends, and 29% of shoppers who used bank cards to make purchases – greater than 35 million people – they’re still paying off those purchases. Michael Hershfield, founder and CEO Accumulate savingsan organization that helps you create savings plans with retailers, reasonably than using them.

Choose your payment method correctly.

“Many offerings akin to retail bank cards and BNPL encourage overspending, which negatively impacts consumer bank card debt. That’s why it is so vital for consumers to make purchases correctly and use payment methods with a low risk of debt.

Make a shopping list and stick to it.

“Write down specific items you plan to buy and stick to the list to avoid impulse purchases. This will ultimately help you stick to your budget and avoid overspending.”

Limit your credit use.

“Using a credit card is one of the easiest ways to spend money you don’t have. Instead, use your debit card or cash for purchases to better track your spending.”

Research and compare prices.

“Take some time to shop around and compare prices to make sure you’re getting the best deal on your purchases. Starting your shopping online before heading to the store can be a smart approach. This will give you more confidence when making purchasing decisions.”

Prioritize your purchases.

“Consider holding off on any purchases that is perhaps too tight in your budget until Cyber ​​Monday. This way, you’ll be able to make the most of potential discounts and make a more informed decision.

Start saving now.

“Consider starting to save money now and only spend what you can save. This will help create a financial cushion for the items you plan to purchase.”

Limit screen time.

“Consider limiting screen time on Black Friday and Cyber ​​Monday. This will ultimately help you resist the temptation to buy unnecessary items that may lead to overspending. It can also be beneficial for mental health.”

This article was originally published on : www.essence.com
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Health and Wellness

New Zealand urgently needs more psychologists – changing an outdated training model would be helpful

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It will come as no surprise to anyone that New Zealand needs more trained psychologists. Shortages have been reported across the countryextending wait times and making it harder for people to get the assistance they need.

The government has promised to create more training positionsbut the issue may be that we’re training these specialists, not the shortage of interest on the part of scholars.

Currently, students who wish to develop into psychologists undergo years of theory before gaining practical experience of their final 12 months of training.

Instead, New Zealand should follow the international examples of the UK, US and Australia, where applied training is supplemented by theoretical classes.

Psychologist training

In New Zealand, someone can only call themselves a psychologist in the event that they are registered with the New Zealand Psychologists Council – Te Poari Kaimātai Hinengaro o Aotearoa.

Registration requires a master’s degree and a postgraduate diploma (six years) or a doctorate (seven years). This creates two problems.

First, students entering master’s degrees are primarily taught theory, often by scientists who will not be practicing psychologists.

Students also cannot register as trainee psychologists and experience what it’s wish to practice until they’re admitted to the postgraduate diploma.

The second, and possibly more significant, issue is that the number of scholars in graduate programs is shrinking from large batches to around ten to fifteen places available at each university’s degree.

This diploma lasts one 12 months and includes 1,500 hours of supervised practice or internship. Students in these positions didn’t have direct exposure to psychology practice during their graduate studies.

Generally, there isn’t any internship in two-12 months master’s programs; there’s minimal study and theory in a single diploma.

New Zealand needs to re-evaluate the way in which it trains psychologists – countries equivalent to the UK and Australia can offer good examples to follow.
Olga Kalacheva/Getty Images

Expensive to finance

A postgraduate degree can also be expensive to finance. Students generally need three different types of supervision: a “clinical” supervisor in the sphere, who’s already busy and accountable for the scholar’s practice, and two university staff.

In conditions of austerity, with so few students and such a high student-faculty ratio, universities are questioning the necessity for such an expensive degree.

Universities only teach students three to 4 week block courses. However, academic staff are also accountable for ensuring that students achieve standards that enable them to register as a psychologist with the New Zealand Psychology Board.

2023 Labor Relations Authority case, it was established that these students were temporary employees and never students. The Ministry of Education is currently required to pay students for 1,500 hours of supervised practice.

This implies that students at the moment are considered each full-time employees (with wages paid by the ministry) and full-time students (with associated education costs).

As a result, it has develop into very expensive for the federal government to fund more training positions.

Alternative training options

In other countries, practice and theory are combined at a much earlier stage of training.

According to A test within the United States, only one in every of the 106 providers the authors checked out waited until senior 12 months to offer students with the chance to experience some hands-on component.

In Australia, students complete a 4-12 months bachelor’s degree in psychology after which earn a master’s degree, which incorporates practical training.

The variety of practice hours increases regularly throughout the Master’s degree program, but begins in the primary 12 months. Australian Psychology Masters are trained by registered psychologists and are integrated into university teaching.

Students are registered with an Australian accreditation body as trainee psychologists on a two-12 months Master’s degree. After graduation, they qualify to work as psychologists, where they’re closely monitored and construct a portfolio towards specialization.

A greater training model

So why doesn’t New Zealand train psychologists on a two-12 months applied master’s course with integrated practice elements, who then work full-time under the watchful eye of our accreditation body?

This would result in faster and higher trained psychologists with a foundation of learning, research and real-world experience.

It would be cheaper for college students, universities and the federal government. It would also be nicer and more empowering for college students who would otherwise often dream of becoming a psychologist, only to seek out out after their masters that they can not get a diploma because there are not any places.

In the UK, an additional 12 months of an applied master’s degree gives psychologists a PhD, which again contrasts with our model of separating training streams.

No matter which way you take a look at it, our system doesn’t train fairly, faster or equally well. To improve this, the country needs to alter its entire training structure, reasonably than trying to resolve the issue by adding a couple of more training positions.

This article was originally published on : theconversation.com
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Health and Wellness

What are the risks to human health?

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It’s no secret: when having fun with a delicious piece of fish or a platter of seafood, we devour not only useful omega-3 acids and vitamin D. In addition to these advantages, there are less appetizing elements – countless micro- and nanoplastics.

Sampling of freshwater invertebrates C. fluminea in the Loire River.
Amélie Châtel, Provided by the writer

These plastic particles, measuring lower than 5 millimeters in size, enter our oceans through human waste and enter the food chain. According to Ifremer’s studyThere are roughly 24,400 billion microplastics floating on the ocean surface. These molecules are present in all marine life, from microalgae to fish, which occupy the higher levels of the food chain. This phenomenon not only threatens marine ecosystems, but additionally raises concerns about potential threats to human health.

What exactly can we learn about the accumulation of those pollutants in marine organisms and the risks they pose to human health?

Fish swimming next to plastic in the sea.
Marine organisms bioaccumulate micro- and nanoplastics, which humans discharge into the sea.
Well, Bertold Jensen/Unsplash, CC BY-NC-SA

Micro- and nanoplastics: an invisible threat

Since the Fifties, plastic production has increased exponentially, reaching 58 million tons in Europe only in 2022. This has led to the creation of giant amounts of waste.

Over time, wind, waves, sunlight and microorganisms break down larger plastic waste into microplastics (1-5 mm) and nanoplastics (smaller than 100 nanometers), which now pollute all parts of the environment, including air, soil and water.

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The process by which these plastics accumulate in organisms at various levels of the food chain is known as “bioaccumulation”.

Design experiment from May 2022 » : laboratory exposure of C. fluminea mussels to microplastics.
Alice Vidal, Provided by the writer

Research from our laboratory reveals that in aquatic environments, micro- and nanoplastics are consumed by a wide selection of species – from microalgae at the base of the food chain to top predators resembling eels.

Impact on marine life

Such consumption has serious consequences. Studies show that microplastics may cause toxic effects on marine animals.

In mussels, for instance, microplastics can clog the digestive system, activate immune responses, cause DNA damage, and disrupt the expression of genes mandatory for various cellular functions.

The severity of those effects relies on the size, composition, degree of degradation and harmful chemical additives that plastics may contain.

Plastics often contain large amounts of phthalates, which disrupt the functioning of the endocrine system. These chemicals can disrupt the endocrine system, posing a risk not only to marine life, but potentially to humans as well.

Risks to human health

Plastics ingested by marine animals inevitably find yourself in our food.

Plastic macro-waste collected in Montjean sur Loire.
Amélie Châtel, Provided by the writer

Frequent seafood consumers are estimated to ingest hundreds of microplastic particles annually. Although research into the exact effects on human health is ongoing, some disturbing hypotheses have emerged.

Once in the human body, these particles may cause damage similar to that observed in fish.

Studies on human cells indicate this micro- and nanoplastics may cause interference cellular functions in a fashion similar to the effects seen in marine organisms. Scientists are particularly concerned about the toxic effects of plastic additives.

Additionally, micro- and nanoplastics can act as carriers of pathogens or bacteria, potentially increasing the risk of infectious diseases.

The urgent need to address the bioaccumulation of plastics in the food chain can’t be overemphasized. By taking quick motion to reduce plastic use and improve recycling technologies, we are able to slow the progression of the environmental and health crisis.


This article was originally published on : theconversation.com
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Health and Wellness

A therapist on how to survive the holiday season on your own

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An vital purpose of the holidays is the opportunity to spend time with family and family members. And even though it sounds beautiful, the holidays don’t look the same for everybody and don’t evoke the same emotions. Depending on the circumstances, this season can bring up loads of emotions that may have a negative impact on your mental health.

According to USmany individuals have difficulties during the holidays. A 2021 study found that 3 in 5 people in the U.S. consider this time of yr has a negative impact on their mental health. Although the causes may vary, people can feel anxious, sad and lonely during a time that must be crammed with joy. With so many aspects that may lower our mood slightly than improve it, it is important to concentrate to what could also be triggering these feelings and find ways to take care of them. Licensed therapist and founder Wellness Club for Mothers MomologyAna’Neicia Williams, DSW, LCSW, understands how difficult the holiday season could be for people.

“There are three themes that come up around the holidays. There is sadness, boundaries and traditions. “Whether people are empty nesters, a loved one has died, or you’re feeling the pressure of the ‘matching pajamas’ you see on social media, people are starting to over-analyze their own situation, which can cause anxiety and stress,” Williams says.

And doing it alone can exacerbate these feelings. Many people will undergo Thanksgiving and Christmas alone due to loss, because their circumstances have modified, or because they usually are not romantically involved. Williams shares what she believes is her best advice on how to take care of these scenarios in order that this time of yr is fun, not hard.

Family matters

Quincy Black*, Chicago-based lifestyle blogger and founder Traveling with Quincyknows what it’s like to have traditions at home. But once her son left the nest, the holidays began to look different. As a girl in her 40s, Black hopes to strengthen her relationship along with her now adult son and find recent ways to enjoy the season.

“At first I felt guilt and shame about the holidays. Just when I thought I was doing everything right, I learned from my son that I had imposed these expectations on him. He stopped talking to me after the first year when he moved. I also helped raise my brother’s children and nieces and cultivated other parental relationships that I didn’t have with my own child. So I had to work on it during therapy,” she says. “This time last year, I was on holiday with my youngest niece and had barely spoken to my son. Fortunately, I have a better relationship with him.”

She adds: “Since I’ve been home alone, I’ve been focusing on enjoying new hobbies and doing more self-care activities to help me ease the anxiety and feeling of being childless over the holiday season.”

Williams recommends that vacant nesters like Black acknowledge that they feel sad. When you concentrate on children who’ve moved, they could create their own traditions with family, friends or a possible romantic partner. Parents can use this as a possibility to create an open invitation for his or her children to spend time at home during the holidays. Or, like Black, they could prioritize trying recent hobbies which will ultimately create a brand new tradition they love.

“If we wish to go further, if you will have experienced a divorce and there are kids involved, that can be a bit difficult. It’s about solving problems and at the same time learning to coexist together,” Williams says. “You may not be in the home where you raised your children. The main goal is to provide parents with childcare at the center. Therefore, communication is really important and in line with the ultimate goal. It’s about redefining what family looks like for everyone.”

Lonely and searching

Briannon Kelley, a Los Angeles PR skilled who has enjoyed a successful profession, remembers what could be missing during the holiday season. While being single is not a foul thing, growing up in a family that values ​​marriage could make anyone feel concerned about their relationship status during this time.

“This holiday season shall be the first time shortly that I’ll see my whole family in a single place! I turned 30 in October and I’m looking forward to talking about love and family,” she says. “My parents have been married for over 40 years. I’m the youngest of 5 siblings, and all 4 of my siblings are married. The holidays bring up loads of emotions and hopes for what would occur if and what could occur.

It also doesn’t help that her family members are asking her about her relationship status, or lack thereof, as Thanksgiving and Christmas approach.

“I often get asked questions like, ‘Are you bringing someone home?’ or “No suitors in Los Angeles?” “The pressure to perform and live up to expectations has all the time been an element of my life, and these days I’ve noticed it creeping into my approach to my love life,” notes Kelly. “Even though I have worked hard to achieve success in many areas – career, personal development and self-discovery – love is the one aspect of my life that feels incomplete.”

He adds: “My parents set a beautiful example of what a fruitful and lasting relationship should look like. I saw their love reflected in my siblings’ marriages and even in the strength my two siblings found after their divorce. So I pray for you to build a love that will stand the test of time and leave a legacy for future generations. That’s why every year I can’t decide which holiday to go home for, knowing that my choice has not only logistical but also emotional significance. I want to show my family how much they mean to me and I hope that who I have become and what I have achieved will make them proud of me.”

As the pressure to be in a romantic relationship increases during the holiday season, Williams advises singles to step back and ask themselves in the event that they really need to be in a relationship or if they simply feel like they must be in a single. “So you’re feeling pressured to have a romantic relationship because you will have this end game where you would like to be in a relationship. But possibly it is not even your reality and what you would like, but you’ve got been conditioned to consider it,” Williams explains.

If you’re thinking that you would like a relationship and are still dating, you possibly can rely on companionship during the holidays until you discover a partner. Williams knows that many friends create space for themselves during Friends Day events or decorate their homes for Christmas. So it’s helpful to connect with your community to help take care of feelings of isolation or abandonment.

Coping with loss

Venise Blow, a 33-year-old Chicago resident, has been getting used to experiencing the holiday season on her own for several years now. After losing each of her parents, she finds recent ways to enjoy this time of yr, including connecting along with her clan.

“I think this is an experience that a lot of people go through or eventually will go through,” Blow says. “Growing up, I never would have thought that by the time I was 30, I wouldn’t have either of my parents. Sadness comes in waves before and after the holidays. But I think, especially as the holidays approach, you start to mourn the life and experiences you thought you would have.”

She continues: “I was very close to my mother’s side of the family. And now that I’m older, I feel like they’ve faded into the background. I don’t think it was intentional. I think because I’m an adult, they think, “Oh, she understood.” She’s good. So it can be a bit isolating unless you’re intentional about your connections. I want to say that over the last five years I have really gravitated towards the family and friends I have chosen.”

Williams counsels those that experience loss and encourages them to give themselves grace. There isn’t any deadline to come to terms with loss. But if you’re ready to accept a vacation without your loved one, there are little things you possibly can do to make it a bit easier.

“When we now have relatives or people who find themselves now not on this earth, you will have moments where you look down at the table and keep in mind that person isn’t any longer here. So it’s helpful for people to work out how they need to remember these people. Are you making a recent tradition? Or possibly you decorate the Christmas tree with royalty decorations? Either way, don’t rush into this sadness. It could also be a yr or 15 years after the loss and the loss should affect someone. When you are ready, go for things that can make you’re feeling higher, says Williams.

How to prepare

If you would like to prepare for these intense feelings, Williams encourages people to ask self-reflective questions. Based on your answers, you’ll gain more clarity on how it is best to approach what must be a time of joy.

“I encourage you to ceaselessly journal with individuals. But some people do not like writing, so I counsel you to use voice notes on your phone too, where you possibly can record yourself. The first query is: what feelings do the holidays make me feel? The second query is: where do I feel them in my body? If we are able to evaluate ourselves and acknowledge what is going on on, I believe that is the first step,” Williams says. “The third query is: What am I trying to portray to others about myself during the holidays? This goes back to social media and the judgment that sometimes comes into this comparison.

He adds: “The last question we can ask ourselves is: what do I imagine for the holidays? You can say, “I want to experience joy.” I want to be focused around people, or maybe I want to have peace, and for me the holidays are a time of isolation and loneliness. Really imagine the holiday season and what you want for yourself without the expectations of what others may place on you. Reflecting and understanding our sense of self can help us choose what we want to see on our vacation.”

This article was originally published on : www.essence.com
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