from the world's big
Why Lesbians Are Better At Saving Money
When I was a kid I loved to watch The Flintstones and always laughed at Wilma and Betty’s shopping habits. Whenever they had the chance they were off to their Palaeolithic department store with their battle cry “Charge it!” Before you knew it they were home with boxes filled with saber-toothed tiger coats and fancy shoes (despite the fact that they wore neither). Wilma and Betty were clearly not good savers.
I wonder if this depiction of women and credit helped shape a generation’s perception that women are poor financial planners who depend on the discipline of their husbands to keep their spending in check. Well, interestingly there is a way to test this theory. All we have to do is imagine that Betty and Wilma are in a same sex relationship and see if they save less than, say, Fred and Barney in a same sex couple (now that is a cartoon I would watch today!).A recent paper, published last month, sets out to test a hypothesis that couples in same sex relationships plan their finances differently than those in opposite sex relationships. They find that on average women in same sex relationships are significantly better savers than either men in same sex relationships or heterosexual married couples.
The authors can’t use the data (from the US 2000 Census) to directly measure a couple’s saving-to-income ratio so instead they use an acceptable alternative – the ratio of mortgage payments to the value of a couple’s home. Couples who are good savers will, on average, repay their mortgages at a faster rate than those who are poor savers. So the mortgage payment to home value ratio is a proxy for the household’s propensity to save.
Compared to heterosexual married couples and gay couples, lesbian couples pay almost 9% more on their annual average mortgage even after controlling for age, education and socio-economic factors (including the number of children living in the home).
This isn’t the only evidence that lesbians are better savers. Looking at the income of seniors, retired women in same sex relationships have on average $4,715.35 more in social security and retirement income than do heterosexual married couples. Gay men also have more income than heterosexual couples --$6,358.77. Part of that effect probably reflects the fact that men on average retire with higher incomes than do women, rather than a higher lifetime propensity to save for gay men.
Here are three possible reasons why women in same sex marriages might be better savers. The first explanation is that lesbian couples have, on average, fewer children than do heterosexual couples. Children are costly and as a result cut into savings as well as personal consumption. However, having children also encourages savings if parents plan for their children’s post-secondary education. Education savings might not be reflected in mortgage payments, but rather in other more liquid assets that can be withdrawn when children reach college age. If this is the case, and heterosexual couples buy different assets with their savings, then this measure of savings (mortgage payments over home value) will overstate the true difference in savings rates.
And, as gay couples have even lower fertility rates than lesbian couples it seems odd that this is really an explanation given they do not seem to save any more than heterosexual couples. The second possible explanation is life expectancy. Women live longer on average and realistically need to save more in preparation for the period of their life when they have no waged income. It makes sense that couples with two women, as opposed to two men or one man and one women, would save more if they accurately predict their needs later in life. Finally this effect could be explained by relationship stability. This data is from a period before same sex marriages were legal anywhere in the US (2000). In planning their lives, these women would have had no way to predict that one day they would be offered the same security as heterosexual couples (and of course many are still waiting for that to happen).
Thus the observed higher savings affect might realistically reflect insecurities around the legal status of their relationships. If this is the case then we should expect to see the savings gap between lesbian and heterosexual couples fall as their relationships are given legal recognition.
Negrusa, Brighita and Sonia Oreffice (2011). “Sexual orientation and household financial decisions: Evidence from couples in the United States.” Forthcoming in the Review of Economics of the Household.
Sallie Krawcheck and Bob Kulhan will be talking money, jobs, and how the pandemic will disproportionally affect women's finances.
Can an orgasm a day really keep the doctor away?
- Achieving orgasm through masturbation provides a rush of feel-good hormones (such as dopamine, serotonin and oxytocin) and can re-balance our levels of cortisol (a stress-inducing hormone). This helps our immune system function at a higher level.
- The surge in "feel-good" hormones also promotes a more relaxed and calm state of being, making it easier to achieve restful sleep, which is a critical part in maintaining a high-functioning immune system.
- Just as bad habits can slow your immune system, positive habits (such as a healthy sleep schedule and active sex life) can help boost your immune system which can prevent you from becoming sick.
How masturbation affects your brain...<p>Orgasms are a very common human phenomenon. The physical and mental health benefits have been researched frequently as a result, and yet, there is still so much to be learned about how our bodies and brains react to the chemicals and hormones released during and after experiencing this type of sexual release.</p><p>"The amount of speculation versus actual data on both the function and value of orgasm is remarkable" explains Julia Heiman, director of the <a href="https://kinseyinstitute.org/" target="_blank">Kinsey Institute for Research in Sex, Gender, and Reproduction</a>.</p><p>Masturbation causes a rush of <a href="https://www.webmd.com/mental-health/what-is-dopamine" target="_blank">dopamine</a>, which is a chemical that is associated with our ability to feel pleasure. Along with the rush of dopamine that is released during an orgasm, there is also a release of a hormone called <a href="https://www.livescience.com/42198-what-is-oxytocin.html" target="_blank">oxytocin</a>, which is commonly referred to as the "love hormone."<br></p><p>This concoction of chemicals does more than just boost our mood, it also can play a key role in decreasing stress and promoting relaxation. Oxytocin decreases <a href="https://www.webmd.com/a-to-z-guides/what-is-cortisol" target="_blank">cortisol</a>, which is a stress hormone that is usually present (in high volumes) during times of anxiety, fear, panic, or distress. </p><p>According to BDSM and fetish researcher <a href="https://www.psychologytoday.com/us/therapists/dr-gloria-brame-colbert-ga/278388" target="_blank">Dr. Gloria Brame</a>, an orgasm is the biggest non-drug induced blast of dopamine that we can experience. </p><p>By boosting the oxytocin and dopamine levels and subsequently decreasing our cortisol levels, the brain is placed in a more relaxed, euphoric, and calm state. </p>
Masturbation boosts your immune system and raises your white blood cell count.<p>How do those effects on the brain from reaching orgasm translate to boosting our immune system and making our body healthier?</p><p>The increase of oxytocin and dopamine that causes a decrease in cortisol levels can help boost our immune system because cortisol (well-known for being a stress-inducing hormone) actually helps maintain your immune system if released in small doses. </p><p>According to <a href="https://www.health24.com/Sex/Great-sex/incredible-health-benefits-to-masturbating-20181030-2" target="_blank">Dr. Jennifer Landa</a>, a hormone-therapy specialist, masturbation can produce the right kind of environment for a strengthened immune system to thrive. </p><p><a href="https://www.ncbi.nlm.nih.gov/pubmed/15316239" target="_blank">A study</a> conducted by the Department of Medical Psychology at the University Clinic of Essen (in Germany) showed similar results. A group of 11 volunteers were asked to participate in a study that would look at the effects of orgasm through masturbation on the white blood cell count and immune system.</p><p>During this experiment, the white blood cell count of each participant was analyzed through measures that were taken 5 minutes before and 45 minutes after reaching a self-induced orgasm. </p><p>The results confirmed that sexual arousal and orgasm increased the number of white blood cells, particularly the natural killer cells that help fight off infections. </p><p>The findings confirm that our immune system is positively affected by sexual arousal and self-induced orgasm and promote even more research into the positive impacts of sexual arousal and orgasm. </p>
Masturbation can ease and prevent pain, which allows you to achieve the restful sleep that helps your immune system stay strong and healthy.<p>The benefits of masturbation have long been debated, but the more research that is done on the topic the more we understand that there are many positive reactions that happen in our bodies and brains when we orgasm.</p><p>Orgasms can help prevent or mitigate pain, which boosts the immune system, preventing cold and flu symptoms. </p><p>According to neurologist and headache specialist Stefan Evers, about one in three patients experience relief from migraine attacks by experiencing sexual activity or orgasm. Evers and his team <a href="https://www.livescience.com/27642-sex-relieves-migraine-pain.html" target="_blank">conducted an experiment</a> with 800 migraine patients and 200 patients who suffered from cluster-headaches to see how their experiences with sexual activity impacted their pain levels. </p><p>The study showed that 60% of migraine sufferers experienced pain relief after participating in sexual activity that resulted in orgasm. Of the cluster-headache sufferers, about 50% said their headaches actually worsened after sexual arousal and orgasm. </p><p>Evers suggested in his findings that the people who did not experience pain relief from migraines of headaches during their sexual activity did not release as large amounts of endorphins as those who did experience pain relief. </p><p>According to <a href="https://www.sharecare.com/health/chronic-pain/chronic-pain-affect-immune-system" target="_blank">rheumatologist Dr. Harris McIlwain</a>, people who suffer from chronic pain have immune systems that are simply not functioning at full capacity - therefore, alleviating pain (through orgasm, as an example) can help boost the immune system. </p><p>Orgasms can also promote relaxation and make it easier to fall asleep. Serotonin, oxytocin, and norepinephrine are all hormones that are released during sexual arousal and orgasm, and all three are known for counteracting stress hormones and promoting relaxation, which makes it much easier for you to fall asleep.</p><p>There are <a href="https://www.ncbi.nlm.nih.gov/pubmed/1233384" target="_blank">several studies</a> showing that serotonin and norepinephrine help our body cycle through REM and deep non-REM sleeping cycles. During these sleep cycles, the immune system releases proteins called <a href="https://www.sleepfoundation.org/articles/how-sleep-affects-your-immunity" target="_blank"><span id="selection-marker-1" class="redactor-selection-marker"></span>cytokines<span id="selection-marker-2" class="redactor-selection-marker"></span></a>, which target infection and inflammation. This is a critical part of our immune response. Cytokines are both produced and released throughout our bodies while we sleep, which proves the importance of a good sleep schedule to a healthy immune system.</p>
Masturbation promotes a high-functioning immune system; a healthy immune system prevents cold and flu.<p>The immune system is a balanced network of cells and organs that work together to defend you against infections and diseases by stopped threats like bacteria and viruses from entering your system. While there are many things we need to do to keep our immune systems functioning at optimal levels, masturbation (or other means of achieving orgasm) has proven to have positive effects on the immune system as a whole.</p><p>Just as bad habits (such as an inconsistent sleep schedule or harmful chemicals in your body) can slow your immune system, positive habits (such as a healthy sleep schedule and active sex life) can help boost your immune system. </p>
The word "learning" opens up space for more people, places, and ideas.
- The terms 'education' and 'learning' are often used interchangeably, but there is a cultural connotation to the former that can be limiting. Education naturally links to schooling, which is only one form of learning.
- Gregg Behr, founder and co-chair of Remake Learning, believes that this small word shift opens up the possibilities in terms of how and where learning can happen. It also becomes a more inclusive practice, welcoming in a larger, more diverse group of thinkers.
- Post-COVID, the way we think about what learning looks like will inevitably change, so it's crucial to adjust and begin building the necessary support systems today.
The coronavirus pandemic has brought out the perception of selfishness among many.
- Selfish behavior has been analyzed by philosophers and psychologists for centuries.
- New research shows people may be wired for altruistic behavior and get more benefits from it.
- Crisis times tend to increase self-centered acts.