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Health Care Reform Is in Your Hands — and it Means Combating Inactivity

Unlike any generation before us, our world is in an age of information at our fingertips. Yet our country inches toward an unprecedented epidemic of chronic disease, and it begs some serious questions: Why is this happening, and how did we get here? How is such a substantial amount of our population developing chronic diseases, and will this be the blindly accepted fate of the future of our country and its generations to come? Or is there something we can do to reverse it?

According to The World Health Organization, Type 2 diabetes, heart disease, hypertension, COPD and obesity are among the most common, costly and preventable of all health problems; each is ranked among the top 10 leading causes of death in the world. But there’s a sneaky culprit working behind the scenes of these diseases — an invisible offender that’s causing approximately 2 million deaths per year. So what is this threatening and critical condition creating a dark cloud of illness and malaise in our country?

Inactivity.

Yes, you read that right. Inactivity — a 100 percent preventable lifestyle factor — is responsible for doubling our nation’s risk of heart disease, obesity and diabetes, plus significantly increasing the risk of cancer, hypertension, osteoporosis, high cholesterol, depression and anxiety. What a list. On top of that, our country spends upwards of one trillion dollars on health care for these (preventable) conditions and the consequences of inactivity. It’s a phenomenon of human behavior and psychology as to why people continue to allow themselves to suffer from a life of chronic disease, when the cure literally lies in their hands — and this is an area to which we must direct our utmost attention.

[See: How to Practice Yoga When You Have Arthritis or Another Chronic Condition.]

It’s time to discover that you are the master of your own fate. You have complete control over the destiny of your life, of your health and of your ability to not only survive, but to thrive. The proof is in the pudding. The U.S. Centers for Disease Control and Prevention estimates that eliminating three risk factors — poor diet, inactivity and smoking — would prevent 80 percent of heart disease and diabetes. Further evidence was found recently by researchers at the Mayo Clinic, who did a 12-week exercise experiment on people 30 and younger and those older than 64. Some did various types and intensity of aerobic and weight-training exercises, while a control group did no exercise at all. While there were some obvious outcomes of the study — like the fact that the muscle cells improved in everyone who exercised — there were some surprising results, as well. The most significant was that the decline in the cellular health of muscle tissue seemed to be improved with exercise in the muscle cells of the older test subjects. In fact, in some ways these cells reacted more healthfully to intense exercise than did the cells of the younger subjects, leading the study’s senior author to suggest that it’s never too late to reap extreme benefits from exercise. Anybody can incorporate physical activity into their daily life, regardless of age, physical ability or financial status. No fancy equipment is needed; no expensive gym memberships — just a will to win and a drive to live the most fulfilling life possible.

[See: The 12 Best Heart-Healthy Diets.]

At our fundamental core, we are all athletes, even dating back to the time of our ancestors. Our bodies were expertly designed to move and to flourish from the benefits that physical activity brings — a long and disease-free life topping the list. Daily exercise is one of the most valuable things you can do for yourself, and the health benefits are hard to ignore. In ditching a sedentary lifestyle, you’ll see instant and life-changing results in controlling your weight, strengthening your bones and muscles, improving your mental health and mood, and significantly reducing your chances of developing chronic conditions — conditions that may not only take years off your life, but will drastically lower the quality of the years you have left.

Many may be intimidated by this information, especially if exercise is something you’ve never done before. The important thing to understand is that you don’t have to transform into a world-class athlete overnight to reap the benefits of physical activity. Starting off with 20 minutes per day of moderate-intensity exercise, as simple as brisk walking, is all you need to begin to reform your health. As your body becomes stronger, you’ll be able to increase the intensity of your exercise and add in weights, exponentially enhancing the benefits as you go. Remember, your body was created to be active, so don’t be afraid to put it to work.

[See: 7 Signs You Should Stop Exercising Immediately.]

A life of chronic illness doesn’t have to be your fate — you hold more power than you think over a fully-functioning, happy, healthy and long life. Not only does exercise work wonders at preventing disease, but it also works to reverse pre-existing conditions, so it’s never too late to start. The actions we choose today are in fact shaping us into the people we’ll be tomorrow, next month and for the remainder of our lives. We’re either going to become better prey or better predators. Realize that regardless of any outside factors, you hold the power and the responsibility to design the road map of health for your life. Be grateful, and take advantage of the physical ability that was engraved into your DNA to experience your life at its full potential.

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Health Care Reform Is in Your Hands — and it Means Combating Inactivity originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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