Smart Finances

When you practice Smart Finances, you understand how money management works. It’s not just about earning money, but also about creating ample savings and growing your assets. In other words, if you understand how to earn money, do you know how to hold on to it and make it grow?

Smart Finances requires that you plan not only for immediate financial needs or wants, but also for the long-term. And, Smart Finances may require you to be open to alternative ways to generate additional income.

Businessman and author Paul J. Meyer first described SMART goals in his 2003 book, Attitude Is Everything: If You Want to Succeed Above and Beyond. SMART criteria are five characteristics that help make goals effective and meaningful.

• Specific: Defines what you want to accomplish, who is involved, where, when, and why.

• Measurable: Includes indicators and metrics that can track progress.

• Achievable: Ensures the goal is realistic and attainable, and that you have the necessary skills, resources, and time to accomplish it.

• Relevant: Determines if the goal aligns with broader goals and is important.

• Time-bound: Sets a deadline for accomplishing the goal.

Once you have identified your goals using the SMART criteria, the next step is to create a plan of action. Here is an example of a SMART financial goal: “I am increasing my income by $3,000 within the next six months. I can do this by obtaining a raise at my job, by getting a higher paying position, or by working more at my home-based side hustle.”

This smart financial goal is specific and is measurable by dollar amount—$3,000 within six months translates to $500 each month, which is realistic and not a “dream goal.” It is relevant, aligning with the goal of earning more money. And it is time-bound—although there are six months to achieve the goal, it is stated in a positive and present way, not as a vague or future possibility.

Post-pandemic, many people decided they liked working from home and were willing to make sacrifices to continue doing so. This may have required quitting a job, finding a permanently remote position, working in a hybrid role or committing to entrepreneurship. No matter where or how you work, it’s always prudent to live with smart finances. When you choose to join Nikken, we are here to support you every step of the way—whether it’s your side hustle or new business endeavor.

Choose Mobility

Staying mobile and leading an active lifestyle are essential not only for longevity but for joyful living. Muscles. Joints. Bones. They are great friends. Keeping them healthy helps keep the entire body more youthful throughout a lifetime.

Your body talks to you every day, and if you listen with care, you will make the right choices to stay mobile. On days where mobility can be challenging, the instinct is to do nothing. If doing nothing results in restoring energy levels, then you are listening to your body and making the right choice. If doing nothing continues for days on end and you don’t feel any better, perhaps it’s time to force yourself out of inertia.

The neck, shoulders, hips and knees—areas that tend to lose elasticity and flexibility with age—are supported by the spine, so maintaining good posture is important. In recent years, chair yoga has become popular, because it helps even those who are not ideally mobile, stretch and build up core strength, so that eventually, they can resume a more active exercise regimen.

There are certain foods that support healthy joints and bones. Eating a well-balanced diet focused on key nutrients is the right choice in supporting healthy joints and bones.

•          Calcium is not a mineral that the body manufactures naturally, so it has to be obtained through food. It’s a key mineral for maintaining strong bones. Found abundantly in dairy products, vegans can choose kale, bok choy, broccoli, soy, seeds and almonds, figs, and more. On average, the absorption rate of calcium in dairy is around 30%, kale and boy choy 50%, and broccoli 60%.1

•          Vitamin D is necessary for the absorption of calcium. Sunshine is the most natural source, but supplementation may be a better guarantee of having the recommended 600 international units per day.2 Some natural food sources of vitamin D include egg yolks, tuna, sardines, salmon and other fish, mushrooms that have been exposed to sunlight, fortified orange juice and fortified soy milk.

•          Magnesium is stored in the bones and plays a role in activating vitamin D. Seeds such as chia and pumpkin are great sources of magnesium, as are nuts such as almonds and cashews. Add a healthy amount of green leafy vegetables to your daily diet for a good dose of magnesium.

•          Collagen is found in the connective tissue of animals. As the most abundant protein in the human body, it’s found in skin, muscles, bone and tendons. Meat eaters get collagen through their diets, but vegetarians and vegans may look to foods high in vitamin C to boost production—such as beans, oranges, red and green peppers, tomatoes, broccoli and whole grains.3

•          Omega-3s can help protect the joints. The National Institute of Health recommends this healthy fatty acid because it is believed to help lower inflammation in the body. Found in fish and other seafood, flax seeds are a good vegan option.

Make smart choices for your strength and mobility. Keep moving and eating right. Make sure to stay hydrated, especially when sweating a lot during the summer months. Kenzen® Nutrition can help you fill in dietary gaps with “smart mobility” supplements such as Kenzen® Joint, Kenzen® Omega Green + DHA, Kenzen® Calcium Complex and Kenzen BDZ® (together in the Bone Health Pack) and Nikken Pink Collagen Complex.

1 https://www.vegancanada.org/news/article/2020/01/23/misleading-calcium-recommendation.html?gad_source=1&gclid=CjwKCAjwyo60BhBiEiwAHmVLJanPRBNfbLZxWjWoAX4B6_7fkagD60WwFHEeCWbcyVoHCQ_d7iUTUxoC8d4QAvD_BwE

2 https://www.runnersworld.com/nutrition-weight-loss/a28510495/foods-for-joint-health/?utm_source=google&utm_medium=cpc&utm_campaign=mgu_ga_rnw_md_pmx_hybd_org_us_18447042893&gad_source=1&gclid=CjwKCAjwyo60BhBiEiwAHmVLJalkhrFPaPTwJCH8-IflR0zb3kApCa5Op184QWgUJ2p8wbQMBUVWAxoCA2YQAvD_BwE

3 https://www.webmd.com/beauty/vegan-collagen-what-to-know

Hydrate Wisely, not Randomly

According to research published in the journal Current Biology, the human body uses 30% to 50% less water per day than our closest animal cousins. In other words, among primates, humans evolved to be the low-flow model. Lead author Herman Pontzer, associate professor of evolutionary anthropology at Duke University explains, “An ancient shift in our body’s ability to conserve water may have enabled our hunter-gatherer ancestors to venture farther from streams and watering holes in search of food. Even just being able to go a little bit longer without water would have been a big advantage as early humans started making a living in dry, savannah landscapes.”1

To maintain hydration within a healthy range, the human body, like other animal bodies, is likened to a bathtub. Water coming in has to equal water going out. For example, when water is lost through sweating, the body signals us to drink. When we drink more than the body needs, the kidneys get rid of the surplus.

For each individual in the study, the researchers calculated water intake via food and drink on the one hand, and water lost via sweat, urine and the GI tract, on the other hand. When the researchers tallied the inputs and outputs, they found that the average person processes about 12 cups of water each day. Without enough water, our physical and cognitive functions decline. Without any, we die within a matter of days. In this way, humans are more dependent on water than many other mammals are.2

Exactly how much water is healthy differs between populations and even from person to person. Currently there are two different recommendations for water intake, which includes water from food. The first, from the U.S. National Academy of Medicine, recommends 15.6 cups of water a day for men and 8.4 cups for women, while advising pregnant and lactating women to increase their intake by about 1.5 to 3 cups, respectively. The second, from the European Food Safety Authority, recommends 10.5 cups for men and 8.4 cups a day for women, with the same increases for pregnant and lactating women. Men need more water than women do because their bodies are larger and have more muscle on average.3

Regardless of how much water you drink, choose wisely. Depending on where you live, the tap water may or may not be potable. Even potable tap water has tested out to contain minute amounts of contaminants, and nano-plastics are a global issue.

To make it easier and more affordable to drink safely, why not take advantage of the PiMag Waterfall® and the PiMag® Sport Bottle? They not only help filter out contaminants but also emulate the most hydrating type of water: spring water. PiMag® water declusters the water molecules, making them smaller and more easily absorbed. The PiMag Waterfall® also is environmentally-friendly as it’s made of biodegradable materials and the PiMag® Sport Bottle helps reduce single use plastic bottles to decrease landfill waste. You’ll stay hydrated and feel good about doing your part for the environment.

Ditch single use plastic bottles, drink more absorbable and hydrating PiMag® water and share your knowledge of smart hydration with everyone!

1 today.duke.edu/2021/03/humans-evolved-be-water-saving-ape#:~:text=That%20water%20needs%20to%20be,than%20our%20closest%20animal%20cousins.

2, 3  https://www.scientificamerican.com/article/human-evolution-led-to-an-extreme-thirst-for-water/#:~:text=Without%20enough%20water%2C%20our%20physical,adapted%20to%20quench%20that%20thirst

Water is Life

Growing populations, irrigated agriculture, energy production, manufacturing and livestock needs have increased demand for water over the years. Since 1960, demand has more than doubled and around the world, demand now exceeds what is available.1

Water stress refers to a situation where the water resources in a region or country are insufficient for its needs. Water stress also refers specifically to plants that suffer from a lack of moisture. Whether for plants or people, water is life, and the lack of it threatens health, economic growth and food security.

According to data from Aqueduct, 31% of global GDP (gross domestic product) will be exposed to high water stress by 2050. Just four countries—India, Mexico, Egypt and Turkey—account for more than half of the exposed GDP in 2050.  A country facing extreme water stress is using at least 80% of its available supply, while high water stress refers to 40% withdrawal of its supply.2

Humans are more dependent on water than many other mammals. Without enough water, physical and cognitive functions decline. Without any water, humans die within days. Water can be sourced from food, and depending on culture and region, people ingest varying amounts of water from their food. For example, in the U.S., about 20% of the water people take in comes from food, while adult Japanese obtain half of their water from foods eaten. In northern Kenya, people drink little water but consume a great deal of milk, which is 87% milk, and they chew on water-laden roots.3

In areas where there is a scarce supply of clean water, eating instead of drinking more water helps decrease exposure to harmful bacteria. Fruit such as papaya, and whatever grows locally, can help hydrate while preventing gastrointestinal issues. In places like the Amazon and other similar populations, dietary traditions have developed to incorporate low-alcohol, fermented beverages, which can be essential sources of hydration. Fermentation happens to kill bacteria.

Obtaining enough water is one of humanity’s oldest challenges, and now it has become a global crisis. Aquifers around the world are being depleted  and the need to diversify water sources is critical. Nations that have invested in desalination and water recycling have been the most successful in addressing water scarcity. For example, 70% of Israel’s potable water is from desalination and 90% of its wastewater is recycled!4 Israel also uses drip and micro drip irrigation, which is more efficient than traditional flood irrigation. In South Africa, where water stress has reached critical levels, Cape Town lessened reservoir losses by removing invasive, water-hungry plants and replacing them with drought-resistant species.

Wherever you live, drink wisely. Don’t keep the tap running. Avoid waste. Be safe, filter your tap water with the PiMag Waterfall® and PiMag® Sport Bottle.

1, 2 https://www.wri.org/insights/highest-water-stressed-countries

3, 4 https://www.scientificamerican.com/article/0424–kinard-mexico-city-run-out-of-water/

Natural vs. Synthetic: You Decide

In our daily lives, we interact with an extensive array of materials, each with its unique characteristics and applications. Whether it’s the clothes we wear, the buildings we live in, or the devices we use, the materials around us can be broadly categorized into two primary groups: natural vs synthetic.1

Examples of natural materials, which are derived from the environment, include wood, stone, silk, leather and cotton. These materials are found in nature and not man-made.

Synthetic materials are derived largely from human intelligence and creativity, mainly after the industrial revolution through the wide use of increasingly sophisticated technology. Plastics, composites, and artificial polymers are just a few examples of these engineered marvels.2

Are natural materials better than synthetic ones?

Here are some of the advantages of natural materials:

•           They are generally considered more environmentally-friendly than their synthetic counterparts, because they tend to be renewable and biodegradable, which reduces their footprint.

•           They are often more compatible with the human body. For example, natural fibers in clothing, organic materials in devices, and natural ingredients in skin care are less likely to cause allergic reactions—this is known as being biocompatible.

•           They vary in quality, texture and appearance due to natural variances found in nature. This makes them somewhat unique and exclusive, adding aesthetic value.

Here are some of the advantages of synthetic materials:

•           They are created in laboratories and factories, which are environments that are more easily controlled than nature.

•           They can be manufactured to be consistent and uniform in size, shape, appearance, etc. This consistency helps meet the precise requirements of different industries. Examples include plastics, nylon, polyester and many polymers.

•           They may be more durable than natural materials. With man-made specifications in mind, they can be manufactured to be more long-lasting and easier to mass-produce, rendering them more cost-effective than sourcing natural alternatives.

Both natural and synthetic materials have their own pros and cons. Your choice depends on the specific usage and your requirements for cost, durability, functionality, sustainability and eco-friendliness.

Nikken is inspired by nature, and our researchers and product developers try to incorporate as many sustainable, natural and organic materials as possible. We also embrace science and formulate using state-of-the-art technologies and facilities.

1, 2 https://europlas.com.vn/en-US/blog-1/natural-vs-synthetic-materials-what-are-the-differences

How Will You Honor Dad This Father’s Day?

Father’s Day is observed by 111 plus countries worldwide. The date varies by country. For example, in many European countries, it is celebrated on March 19 as Saint Joseph’s Day. Sikhs celebrate Father’s Day on the birthday of Guru Gobind Singh on December 29.

In the United States, Father’s Day was spearheaded by Sonora Smart Dodd, one of six children raised by her widower father. In 1909, she tried to establish an equivalent to Mother’s Day for male parents in remembrance of hers. She went to local churches, the YMCA, shops and even government officials in the city of Spokane, to gain support for her idea. Her perseverance led to the first statewide Father’s Day on June 19, 1910 in the state of Washington.

It wasn’t until 1972 that Father’s Day became a nationwide holiday in the United States when Richard Nixon signed a proclamation to make it a federal celebration. This occurred 58 years after Woodrow Wilson made Mother’s Day official. In Canada, Father’s Day has been celebrated since the early 20th century, but it has not been made a public holiday. Father’s Day is on the third Sunday of June in North America and many African nations, such as Nigeria, Morocco, Kenya and South Africa.

Regardless of when and where Father’s Day takes place, the aim is to pay tribute to the paternal figures in people’s lives. Traditionally, families gather around to honor dad, or visit wherever their angel fathers are laid to rest. Children in school are helped with handmade cards and gifts.

How will you honor the dads in your life this June 16?

•          When was the last time you told your dad you love him? Depending on how you were brought up, saying out loud “I love you” to your father could be rare, but it is likely to be appreciated more than you think.

•          Time is the most precious gift. Whether it’s time spent alone with your dad or time with him and family, each occasion grows more special over the years.

•          Is your dad a social fellow? Honoring him in front of his peers is sure to make him feel appreciated—at a party, a friend’s home, with his grandchildren and other occasions.

•          Be a role model for your own children and show them how you care for their grandfather. Before long, you will reap the benefits of these well-learned roles.

•          Take a walk together. Go for a swim. Play a game of chess. The focus is on doing something dad likes.

•          Tell dad something about your own life that is important to you. A heart-to-heart talk can be a precious gift.

And, of course, if you want to get a meaningful gift for dad, Nikken is your one-stop shopping center. Does Dad need to be more grounded with KenkoGround®? Does he need some KenkoTherm® support wraps? How about Kenzen® nutritionals or PiMag® water to keep him properly hydrated?

Happy Father’s Day to our Nikken Dads!

Source: https://www.history.com/topics/holidays/fathers-day

What Does “Being Active” Mean to You?

Being active is a personal physical and mental state. It’s all relative to how you have lived over the long-term and how you want to live in the near and distant future. The dictionary defines someone who is active as moving around a lot and doing many things, and an active mind as always thinking of new things.

Take a look at two examples:

1.  Jeanne works long hours at the office. She is seated most of the time. After work, she goes to the gym, lifts weights and runs on the treadmill for a total of an hour and a half. When she gets home, she eats a quick meal and spends the rest of the time on the couch, watching TV. On the weekends, she runs 5-10 miles and spends time with her girlfriends.

2.  Joanne is a stay-at-home mom. She rarely has time to sit down during her day, as she takes care of two children, one learning to walk and the other in elementary school. She spends the day cooking, doing laundry, feeding and entertaining the baby, grocery shopping, picking up the older child, overseeing the kids’ yard activities, getting dinner on the table, making sure both kids have a bath before putting them down for the night. On the weekends, she takes the children to the playground or has play dates, and she uses an app to practice yoga when her husband entertains the kids for a couple of hours.

Who is more active, Jeanne or Joanne? Or, are they equally active? The more interesting aspect is perception. If the question is posed to Jeanne, she likely responds that she works out every day but wishes she didn’t have to sit in her office so much. If the question is posed to Joanne, she might say she doesn’t even belong to a gym and really doesn’t have time to be active the way she would like. But clearly, if the dictionary definitions come into play, Joanne is just as active, if not more active than Jeanne. Synonyms for active include, busy, involved, occupied, strong, energetic, committed and engaged. Those descriptions pertain to both Jeanne and Joanne.

When striving to achieve a more active lifestyle in order to thrive, don’t let preconceived notions of what being active means get you down. On the other hand, don’t use the excuse of not having enough time to get more active. Here are some daily activities that don’t require much discipline or a membership fee:

• Put on fast music and dance in your living room!

• Do chair yoga.

• Do some stretching on a mat in your bedroom.

• Take a walk around the block (with your dog, friend or by yourself).

• Some people pace while on the phone!

• Garden (pull those endless weeds, plant flowers and veggies).

• Wash the car!

• Spend more time outdoors! Even sitting on the grass helps you get grounded and activate your cells!

Warm Weather Skin Care

As you move into spring and soon, summer weather, you might notice some subtle or blatant changes to your skin. For people in general, cold weather requires more intense moisturization while low temperatures requires a bit less. Warm weather opens up the pores and produces more oil, so you may benefit from some adjustments to your skin care regimen.

The three main actions to keep in mind for warmer weather are exfoliate, cleanse and hydrate.

•            Exfoliation helps to get rid of the dead skin cells that otherwise accumulate on the skin and dull your complexion.

•          Cleansing should be with a gentle cleanser, not one that is abrasive or stringent.

•          Hydrate with a light, non-greasy moisturizer. Even if you tend towards oily skin, not using a moisturizer because the weather is warm or hot, can dry out your skin, especially since you will tend to perspire more during spring and summer.

One particular type of skin care product that is beneficial to virtually every skin type in the warmer months is the hydrating serum. Serums tend to have a lighter texture than actual moisturizers and work especially well when used in tandem. You’ll receive the benefits of improved water levels in the skin, which help to increase the appearance of radiance. And, serums can provide this assistance without giving you an oily, greasy feeling. Most dermatologist will recommend using serums and moisturizers formulated with hyaluronic acid, because it is an ingredient that binds and locks in moisture to prevent dehydration in the skin.

Another recommended ingredient is glycerin, as it is known as an emollient that can soften skin and draw moisture to the dermal surface, which has the effect of filling in wrinkles.

If you have sensitive skin that becomes more irritated with the warm weather, try to stay with skin care that is fragrance-free or naturally-fragranced. Artificial fragrances are chemically-sourced, and the fewer chemicals your sensitive has to contend with, the calmer it will be.

Although the body naturally produces more collagen in the warmer months, one precaution to take is to decrease your risk of sun damage. Wearing sunscreen is helpful but exposure to sunlight tends to lower your collagen levels. If you are under natural sunlight a lot during spring and summer, taking a collagen supplement may help you maintain your collagen levels.

These are the last couple of days to benefit from our 20% off sale on True Elements® Marine Organic Skin Care. Not only do we have a a gentle cleanser with Velvet Cleansing Cream, but we also have a Radiance Face Scrub to help get rid of dead skin cells without a harsh exfoliant. And, Youth Activ Face Serum, Revitalizing Face Serum and Moisturizing Face Cream all contain glycerin and hyaluronic acid, so your skin can stay hydrated and full.

If you feel a dip in your collagen levels or simply want to maintain consistency in your year-round regimen, our nature-inspired Pink Collagen Complex is a deliciously simple way to supplement your way to a younger-feeling, younger-looking you!

Differing Opinions May Lead to Better Team Decisions

The importance of respecting differing opinions should not be underestimated. We are all unique with different perspectives which contribute to the strength of any team. It might sound counterintuitive, but having differing opinions on your team can actually create a more cohesive work environment.1 When each team member is treated fairly with every opinion seen as valid and valued, everyone can work together towards the same goal.

Imagine a team where everyone thinks alike, where there is no room for diverse opinions. While it may seem like a harmonious environment, it can actually limit the team’s potential for growth and innovation. When everyone has the same opinion, it can create a tunnel vision effect, where potential risks and alternative solutions are overlooked.

By having diverse opinions, teams can identify blind spots and consider alternative approaches that may have otherwise been missed. It is through the clash of differing opinions that new ideas are born, and existing ideas are challenged and refined.2

Of course, differing opinions can grow heated when not properly managed. There are basic steps that can help foster differing views as opportunities for growth and innovation, rather than as obstacles.

•          Create an environment of open communication. The entire team should be given carte blanche to express individual thoughts and ideas. In other words, team meetings should be safe spaces to share rather than to compete.

•          Be aware of introvert vs. extrovert personalities on the team. Make sure the extroverts don’t take up all the time in team meetings. The introverts may require a bit of prodding, but they often have great ideas that go unheard.

•          The most effective team leaders practice active listening. Make this something the entire team participates in. The mere act of listening respectfully to others can help create a mutually appreciative environment, regardless of the differences in perspectives.

•          Ask for constructive feedback. This becomes organic when the team functions cohesively with different perspectives seen as beneficial to the overall goals.

•          Share recognition of team members as a whole. Regardless of which “idea” serves as the springboard for new decisions, the whole team deserves credit for reaching a consensus.

Team unity and collaboration are the goals for healthy debates and varying perspectives. The same holds true for family discussions and strategic planning in any type of groups. Open- mindedness and encouraging individuals to speak up while respecting everyone else in the group is a great way to role model inclusivity for kids and peers.

1 https://cmdrecruitment.com/embracing-different-opinions-in-your-team/#:~:text=Differing%20opinions%20builds%20respect&text=Respect%20shows%20that%20we%20recognise,making%20the%20team%20more%20effective.

2 https://www.urbanchallenger.com/blog/how-to-resolve-with-differing-opinions-in-a-team

What Does “Feel Good” Mean to You?

Feeling good is defined differently by each individual, but there are basic aspects that serve as common denominators for almost everyone. Most obviously is the physical aspect. When you suffer from any kind of muscular, skeletal, joint or nerve discomfort, it is difficult to feel good. Yet, the renowned physicist Stephen Hawking who was wheelchair bound and unable to speak without a computer as helper, defied that concept. He famously said, “Remember to look up at the stars and not down at your feet. Try to make sense of what you see and wonder about what makes the universe exist. Be curious and however difficult life may seem, there is always something you can do and succeed at.”1

Aside from the physical, there are emotional, mental, or psychic aspects that are more nebulous and harder to define. Researchers at the University of California-Berkeley contend that feeling good stems from a person’s emotional state, which would certainly confirm how someone in Stephen Hawking’s physical state could be so positive and relay his “feel good” attitude. The researchers have explored preferred types of emotional states, with the two primary ones being LAP (low arousal positive) and HAP (high arousal positive). Those who prefer LAP tend to define feeling good with being relaxed, calm and peaceful, while those who prefer HAP, like enthusiasm, excitement and elation.

Jeanne Tsai’s research at Berkeley has revealed that East Asians tend to favor LAP states while European Americans tend to prefer HAP states. This shows that preferred emotional states are likely shaped by culture.2 Another study conducted by Tsai and a colleague found that American women’s magazines showed more excited smiles while Chinese magazines showed calmer smiles. One of their explanations is that East Asian cultures emphasize social harmony, the needs of others and fitting into the overall group, contrasting with American culture’s emphasis on individual rights and achievement. HAP serves the American culture while LAP better serves East Asians.3

What “feel good” means for you may be completely different from what it means to someone else, because everything is relative to each person’s situation. Mental health and physical health are intertwined and need to be somewhat in balance to reach that “feel good” condition. You may require a shift in perspective to feel good. For example, as people age, their physical capabilities change, as do their mental states—sometimes the body can do less but the mind is more acute and contains a lot more useful information—so activity levels and pleasurable pursuits evolve to a new comfort level. What feels good at 20 is bound to be different at 60. Regardless age, the more control you have over your thoughts, feelings and body, the more likely you are to feel good.

There are proven ways to boost serotonin and dopamine levels (those happy hormones) and it goes back to what grandma always said: eat your veggies, do your work, and go outside and run around! At Nikken, that means supplement your diet where it’s lacking in nutrients, do an honest day’s work and get in touch with nature!

We define “feel good” this whole month of May with gifts inspired by nature—get the KenkoGround® and the Kenko Precision Set at 40% off, and pamper yourself with True Elements® Marine Organic Skin Care and Kenko Jewelry at 20% off!

1 https://www.youtube.com/watch?v=3tDEkyqoQsQ

2, 3 https://greatergood.berkeley.edu/article/item/what_does_good_feel_like_to_you