Tag: score

  • Keeping Better Score of Your Diet

    Keeping Better Score of Your Diet

    How can you get a perfect diet score?

    How do you rate the quality of people’s diets? Well, “what could be more nutrient-dense than a vegetarian diet?” Indeed, if you compare the quality of vegetarian diets with non-vegetarian diets, the more plant-based diets do tend to win out, and the higher diet quality in vegetarian diets may help explain greater improvements in health outcomes. However, vegetarians appear to have a higher intake of refined grains, eating more foods like white rice and white bread that have been stripped of much of their nutrition. So, just because you’re eating a vegetarian diet doesn’t mean you’re necessarily eating as healthfully as possible.

    Those familiar with the science know the primary health importance of eating whole plant foods. So, how about a scoring system that simply adds up how many cups of fruits, vegetables, whole grains, beans, chickpeas, split peas, and lentils, and how many ounces of nuts and seeds per 1,000 calories (with or without counting white potatoes)? Looking only at the total intake of whole plant foods doesn’t mean you aren’t also stuffing donuts into your mouth. So, you could imagine proportional intake measures, based on calories or weight, to determine the proportion of your diet that’s whole plant foods. In that case, you’d get docked points if you eat things like animal-derived foods—meat, dairy, or eggs—or added sugars and fats.

    My favorite proportional intake measure is McCarty’s “phytochemical index,” which I’ve profiled previously. I love it because of its sheer simplicity, “defined as the percent of dietary calories derived from foods rich in phytochemicals.” It assigns a score from 0 to 100, based on the percentage of your calories that are derived from foods rich in phytochemicals, which are biologically active substances naturally found in plants that may be contributing to many of the health benefits obtained from eating whole plant foods. “Monitoring phytochemical intake in the clinical setting could have great utility” in helping people optimize their diet for optimal health and disease prevention. However, quantifying phytochemicals in foods or tissue samples is impractical, laborious, and expensive. But this concept of a phytochemical index score could be a simple alternative method to monitor phytochemical intake.

    Theoretically, a whole food, plant-based or vegan diet that excluded refined grains, white potatoes, hard liquors, added oils, and added sugars could achieve a perfect score of 100. Lamentably, most Americans’ diets today might be lucky to score just 20. What’s going on? In 1998, our shopping baskets were filled with about 20% whole plant foods; more recently, that has actually shrunk, as you can see below and at 2:49 in my video Plant-Based Eating Score Put to the Test.

    Wouldn’t it be interesting if researchers used this phytochemical index to try to correlate it with health outcomes? That’s exactly what they did. We know that studies have demonstrated that vegetarian diets have a protective association with weight and body mass index. For instance, a meta-analysis of five dozen studies has shown that vegetarians had significantly lower weight and BMI compared with non-vegetarians. And even more studies show that high intakes of fruits, vegetables, whole grains, and legumes may be protective regardless of meat consumption. So, researchers wanted to use an index that gave points for whole plant foods. They used the phytochemical index and, as you may recall from an earlier video, tracked people’s weight over a few years, using a scale of 0 to 100 to simply reflect what percentage of a person’s diet is whole plant foods. And even though the healthiest-eating tier only averaged a score of about 40, which meant the bulk of their diet was still made up of processed foods and animal products, just making whole plant foods a substantial portion of the diet may help prevent weight gain and decrease body fat. So, it’s not all or nothing. Any steps we can take to increase our whole plant food intake may be beneficial.

    Many more studies have since been performed, with most pointing in the same direction for a variety of health outcomes—indicating, for instance, higher healthy plant intake is associated with about a third of the odds of abdominal obesity and significantly lower odds of high triglycerides. So, the index may be “a useful dietary target for weight loss,” where there is less focus on calorie intake and more on increasing consumption of these high-nutrient, lower-calorie foods over time. Other studies also suggest the same is true for childhood obesity.

    Even at the same weight, with the same amount of belly fat, those eating plant-based diets tend to have higher insulin sensitivity, meaning the insulin they make works better in their body, perhaps thanks to the compounds in plants that alleviate inflammation and quench free radicals. Indeed, the odds of hyperinsulinemia—an indicator of insulin resistance—were progressively lower with greater plant consumption. No wonder researchers found 91% lower odds of prediabetes for people getting more than half their calories from healthy plant foods.

    They also found significantly lower odds of metabolic syndrome and high blood pressure. There were only about half the odds of being diagnosed with hypertension over a three-year period among those eating more healthy plants. Even mental health may be impacted—about 80% less depression, 2/3 less anxiety, and 70% less psychological distress, as you can see below and at 5:15 in my video.

    Is there a link between the dietary phytochemical index and benign breast diseases, such as fibrocystic diseases, fatty necrosis, ductal ectasia, and all sorts of benign tumors? Yes—70% lower odds were observed in those with the highest scores. But what about breast cancer? A higher intake of healthy plant foods was indeed associated with a lower risk of breast cancer, even after controlling for a long list of other factors. And not just by a little bit. Eating twice the proportion of plants compared to the standard American diet was linked to more than 90% lower odds of breast cancer.

    Doctor’s Note

    You can learn more about the phytochemical index in Calculate Your Healthy Eating Score.

    If you’re worried about protein, check out Flashback Friday: Do Vegetarians Get Enough Protein?

    It doesn’t have to be all or nothing, though. Do Flexitarians Live Longer?

    For more on plant-based junk, check out Friday Favorites: Is Vegan Food Always Healthy?.



    Source link

  • How Does My Credit Score Affect My Debt?

    How Does My Credit Score Affect My Debt?



    Discover How Your Credit Score Affects Your Debt Obligations

    Many people across the United States are dealing with some form of debt. In fact, according to the Federal Reserve Bank of New York, the overall household debt in the U.S. reached a total of $17.3 trillion! If you are struggling with debt, it’s easy to feel discouraged about your situation and you may be unsure of what steps you should take to move forward.

    Of course, there are different methods available that can help alleviate your debt obligations. But first, it is important to understand the different factors that led to your predicament in order to find a viable solution. For example, unpredictable things like emergency expenses and inflation are difficult to control and avoid. However, bad spending habits can lead you to struggle with excess debt if you don’t put in the work to change them. By working with effective financial strategies like a budget plan, it becomes easier to bypass your circumstances and learn how to manage your finances!

    It’s important to note, though, that your credit score does not exist in a vacuum, and having a low credit score can impact many aspects of your life. If you’re asking, “How does my credit score affect my debt?” you can continue reading to learn the correlation between your debt obligations and your credit history:

    Low Credit Scores May Keep You in Debt

    A low credit score can have many consequences that will affect your finances in the long run. Not only can it disrupt your chances of securing a debt consolidation loan, but it can also limit your renting options and employment opportunities. Auto and homeowners insurance companies use your credit score to determine your insurance premiums and may increase your rates if you have a bad credit score. 

    Let’s say you’re able to secure the loan you need to reduce your debt, but your credit score is low. In that case, it’s possible that you’d obtain a high interest rate that makes it 10x more expensive to borrow money. If you mix those monthly loan payments with your current expenses, it can be difficult to escape that debt cycle. 

    If you’re trying to alleviate your debt, then a bad credit score has the potential to keep you trapped in debt. Fortunately, secured loans like title loans tend to be easier to obtain despite your current credit history. Simply use an asset as collateral for the loan and get the funds you need for your financial situation. In some cases, you may qualify for competitive interest rates compared to those from a regular debt consolidation loan. 

    Opening Too Many Credit Cards Can Impact Your Score and Tempt You 

    If you’re dealing with debt, you may think a credit card is the best solution to cover your payments. However, if you open multiple accounts in a short amount of time, your credit score can take a nosedive. Additionally, lenders will view you as a lending risk and may not approve you for the loan you need to consolidate your debt! 

    That’s why it’s essential to thoroughly review your situation and determine if having more than one credit card is necessary. While it seems like a safe solution to reduce your debt with a credit card, it’s best to limit your impulses and find other ways to cover your payments. You may have a harder time dealing with your current debt if you add more to it with new credit cards.  

    How Can I Keep My Credit Score in Good Standing?

    As mentioned above, your credit score can affect your ability to get out of debt in several ways. However, it’s possible to put your finances back on track by raising your credit score and obtaining more optimal interest rates on a debt consolidation loan if you qualify. 

    Take a look at some methods you can use to boost your credit score into a higher range:

    • Pay Your Bills and Expenses on Time
    • Keep Your Credit Utilization Rate as Low as Possible
    • Limit Credit Applications
    • Get Credit for Being Consistent with Your Monthly Bills
    • Ask Your Landlord to Report Your Rent Payments to the Credit Bureaus

    It’s important to note that improving your credit score isn’t necessarily a quick solution. The amount of time it takes to grow your credit will vary depending on the factors that kept it in a low standing. If you have poor credit because you don’t have a big credit history, it may only take a few months to enhance your score. But, if your credit is low because of missed payments, it can take longer to get your credit in a good position.

    Other Factors that Impact Your Credit Score

    Did you know that the length of your credit history makes up around 15% of how your FICO score is calculated? While it sounds minimal, it can significantly impact your credit score, which can consequently affect your debt. However, the influences of a credit history’s length can be both positive and negative. For example, having an open line of credit for an extended period can boost your score and increase your chances of getting approved for a new credit card. A bank or credit union may feel hesitant to approve you for a credit card if you have a low credit history because they can’t determine if you’re a responsible borrower.

    On the other hand, closing a credit card account can decrease your score because it changes the length of your credit history and consequently increases your credit utilization. It’s understandable to want to close an account when you’re struggling with debt and want to reduce the amount you owe. However, the consequences of closing an account can lower your credit and ultimately disrupt your chances of getting a debt consolidation loan. To avoid this issue, it is important to not close old accounts unless it’s absolutely necessary. If you have to close an account, ensure you repay all your outstanding balances so you don’t have to deal with them later. It’s best to clear your remaining amount before closing an account since that will boost your credit score. 

    Conclusion –  Be Mindful of Your Credit Score When Repaying Your Debt

    Your credit score can significantly hinder your ability to get out of debt. If you’re maintaining a higher score, you can have the opportunity to apply for a debt consolidation loan and get your finances back on track. However, you may have to find other solutions like a secured loan to consolidate your debt if you have poor credit.

    Stay on top of your credit and learn how to effectively manage your debt in order to avoid the issues that come with having a bad credit score. If you want to find tips on maintaining your credit score, you can always contact a financial advisor for guidance on what to do in your situation.

    Source link