Archive for November 2023
Have you heard of EMS (Electrical Muscle Stimulation) Training? I came to know about this type of training only after my family moved to Germany and I spent part of my time there.
Essentially, you put on a special tight suit that sends electrical pulses through your body as you exercise. This is supposed to stimulate whole body muscle contractions including muscles that were not in use.
In Germany, an EMS Training session usually lasts 20 minutes. This is probably the most efficient strength exercise I know. You don’t have to spend hours at the gym, exercising each and every muscle one at a time. You spend 20 minutes a week and your entire body gets an intense workout.
From my personal experience, it is indeed very effective. I spend my time between Germany and the United States and when I am in the US, I don’t have access to EMS Training in my neighborhood. Despite keeping active with an exercise routine of Yoga and Tabata, I can feel myself losing muscle strength while I am in the US. After a few rounds of EMS Training in Germany, however, I can feel myself regaining muscle strength.
Why Is It Important?
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Cash Is No Longer Trash
Posted on: November 9, 2023
If you keep your money in cash reserves (usually in the form of a money market fund) in a brokerage account like Fidelity, you are likely to get a yield of over 5%. This has never happened before during my time as an investment advisor. For a long time, cash reserves were paying nothing. No wonder the saying “cash is trash” became a golden rule. But not anymore.
Even banks are offering CDs that have a yield of 5%. However, it’s important to note the difference between a CD and cash reserves. The CD is illiquid money that you can not use until it matures. Cash reserves, on the other hand, are completely liquid. You can withdraw your cash at any time. This is what makes it superior to CDs.
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The Investment Scientist 