☝️ Upwarding #27: Heroin, FitBod, “The Long Term”, and Scary Sunblock

Welcome to this week's Upwarding newsletter.  My blog, with more in-depth content, can be found here.


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If you thought the Sackler Family (OxyContin billionaires) were diabolical, how about Bayer!  They used to peddle heroin…for kids!

Speaking of Bayer, it looks like they may settle the Roundup lawsuits for a cool $10 billion.

Mindfulness/Spirituality/Chill

No experience necessary for this ultra-simple but effective mindfulness practice.  Inhale and think “soft”, exhale and think “belly”.  That’s it.

Health/Wellness

Early on in quarantine, I posted some simple home workouts – people loved them.  And like most good things, there’s “an app for that”.  It’s called Fitbod, and it customizes your workouts based on:

a) your equipment (including none)*
b) how much time you want to work out
c) how recovered each muscle is
d) how you’ve performed in the past

The coolest part is they have a database of hundreds of exercises so even if you don’t like their workouts, you’ll get some great ideas for new and creative moves.

*Note: If I could have only one piece of equipment it would be a TRX.

Investing/Money

My book is now available.

Before my genius finance professor (now multimillionaire) set me straight, I made some version of the below argument that “the stock market always goes up in the long term”.

If that’s true, then as long as you are 10 or 20 years away, you should invest 100% of your retirement fund in stocks?

But it’s not true – just check out Japan from 1989 to today.

Down 43% in 31 years (ignores dividends, but also taxes, neither of which change the basic conclusion).  Even if you were 31 years from retirement in late 80s Japan, you’d still be waiting for the long term.  The answer: DIVERSIFY – not only between stock markets, but between investment classes (I like real estate!).

Random Thoughts

I’m sure you’ve heard the meme that SPF over 30 doesn’t help – well according to my awesome dermatologist and Dr. Google:

a) SPF ratings assume a 2mm lotion layer ~ a shot glass for every application.  Admit it…you don’t do that, and neither do I.  So cut the effective SPF in half.  30 becomes 15.

b) A water-resistant sunblock loses up to half its resistance during water exposure.  So 15 becomes…7.5?

c) Water-resistant ratings don’t assume you towel dry, wiping off a lot of lotion.  So 7.5 becomes say 3?

And finally

d) SPF ratings only measure UVB protection – but many other parts of the solar spectrum can cause cancer.

These issues are controversial enough that the FDA was proposing substantial labelling changes as recently as last year.

So I’m more inclined to buy “broad spectrum” SPF 100 lotion”, apply a ton of it, and avoid the sun when possible.  Long sleeves and shade are my friend, especially in California.

Reflection/Quote

“Persons appear to us according to the light we throw upon them from our own minds.” -Laura Ingalls Wilder, novelist (1867-1957)

Stay well,
Chris
www.upwarding.com