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The Holy Spirit Within | Franciscan Media

2022-05-30T09:27:00.003-04:00

The Holy Spirit Within | Franciscan Media

Consciousness, our soul, the Holy Spirit, on both the individual and the shared levels, has sadly become unconscious! No wonder some call the Holy Spirit the “missing person of the Blessed Trinity.” No wonder we try to fill this radical disconnectedness with various addictions. There is much evidence that so-called “primitive” people were more in touch with this inner Spirit than many of us are. British philosopher and poet Owen Barfield (1898–1997) called it “original participation” and many ancient peoples seem to have lived in daily connection with the soulful level of everything—trees, air, the elements, animals, the earth itself, along with the sun, moon, and stars. These were all “brother” and “sister,” just as St. Francis would later name them. Everything had “soul.” Spirituality could be taken seriously and even came naturally. Most of us no longer enjoy this consciousness in our world. It is a disenchanted and lonely universe for most of us. We even speak of the “collective unconscious,” which now takes on a whole new meaning. We really are disconnected from one another, and thereby unconscious. Yet, religion’s main job is to reconnect us (re-ligio) to the Whole, to ourselves, and to one another—and thus heal us. We have not been doing our job very well.

—from the book Breathing Under Water: Spirituality and the Twelve Steps
by Richard Rohr

Try These Brain Foods to Improve Your Mood - The New York Times

2022-04-01T10:29:00.000-04:00

Try These Brain Foods to Improve Your Mood - The New York Times

It’s time to start feeding your brain.

For years research on healthy eating has focused primarily on physical health and the link between diet, weight and chronic disease. But the emerging field of nutritional psychiatry studies how foods can make us feel.

“Many people think about food in terms of their waistlines, but it also impacts our mental health,” said Dr. Uma Naidoo, a Harvard psychiatrist and the director of nutritional and lifestyle psychiatry at Massachusetts General Hospital. “It’s a missing part of the conversation.”

The connection between the stomach and the brain is strong, and it starts in the womb. The gut and brain originate from the same cells in the embryo, says Dr. Naidoo. One of the main ways the brain and gut remain connected is through the vagus nerve, a two-way chemical messaging system that explains why stress can trigger feelings of anxiety in your mind and butterflies in your stomach.

Food can also influence the state of your microbiome, and some species of gut microbes have been linked to higher rates of depression. Even the brain chemical serotonin, which regulates mood, has a strong gut connection. Only 5 percent of your body’s serotonin is made in the brain; the rest is made, stored and active in the gut, said Dr. Naidoo, author of the new book, “This Is Your Brain on Food.”

Nutritional psychiatrists say food shouldn’t replace other treatments for mental health, including therapy and prescription drugs, but it shouldn’t be ignored either. A number of studies have suggested that dietary changes can lead to meaningful improvements in mood and mental well-being.

“We have to eat; it’s a basic need,” said Dr. Naidoo, who is also a professional chef and instructor at the Cambridge School of Culinary Arts. “And food is also a very powerful lever in terms of our mental health.”

The myth of comfort food

Often people try to influence their mood by eating comfort foods like ice cream, pizza or mac ’n’ cheese. The problem, experts say, is that while those foods typically offer a tantalizing combination of fat, sugar, salt and carbs that make them hyperpalatable, they can actually make us feel worse.

Traci Mann, who heads the health and eating laboratory at the University of Minnesota, ran a series of studies to determine whether a person’s preferred comfort food improves their mood. Participants were asked the question: “What foods would make you feel better if you were in a bad mood?” The most common responses were chocolate, ice cream and cookies. The respondents also rated foods they enjoyed but would not normally eat to seek comfort.

Before each test, the participants watched film clips that were known to elicit anger, hostility, fear, anxiety and sadness. After the film, the viewers filled out a “negative mood” questionnaire to indicate how they were feeling. Then they were given a heaping portion of their favorite comfort food, a food they liked but didn’t view as a comfort food, a “neutral” food (an oat and honey granola bar) or no food at all. Everyone had three minutes alone to eat their food, or sit quietly. After the break, they filled out the mood questionnaire again.

Whether a participant ate comfort food, any food or no food didn’t make a difference in the person’s mood. The factor that seemed to matter most was the passage of time.

“If you eat comfort food you might feel better, but if you didn’t eat it, you would also feel better just with time going by,” said Dr. Mann. “People believe in comfort food, and they are giving it credit for mood improvements that would have happened anyway.”

Using food to treat depression

While Dr. Mann’s research found that traditional comfort foods don’t have a meaningful effect on mood, a growing body of research shows that improving the quality of a person’s diet can have a significant effect on mental health. An analysis of 16 studies found that dietary interventions significantly reduced depression symptoms.

The first intervention to test dietary changes as a treatment for depression included 67 patients, all of whom had poor diets consisting of a lot of processed and sugary foods, with very little fruits, vegetables or fiber. About half the patients were given nutrition counseling for a Mediterranean-style diet, as well as food baskets containing sample foods, recipes and meal plans. The rest of the group met weekly to chat and receive friendly support, but diet wasn’t discussed. At the end of the three-month study, the food group showed significantly greater improvement in depression symptoms, and a third of them had achieved full remission, compared to just 8 percent of the social support group.

The effect has been seen in larger studies too. A four-year study of more than 10,000 university students in Spain found that people who closely followed a Mediterranean diet were at lower risk for depression. Australian researchers examined food diaries of 12,385 randomly sampled adults from an ongoing government survey. They found that higher fruit and vegetable intake predicted increased happiness, life satisfaction and well-being. The psychological gains were equivalent to moving from unemployment to employment. And people who changed their diet to include more vegetables saw mood improvements within two years.

There’s still much to learn about which foods and how much of them can improve mental health. One yearlong trial published in JAMA in 2019 found that a Mediterranean diet reduced anxiety but didn’t prevent depression in those at high risk.

Scientists do know that about 20 percent of everything we eat goes to the brain, said Dr. Drew Ramsey, a psychiatrist and assistant clinical professor at the Columbia University Vagelos College of Physicians and Surgeons in New York. Critical neurotransmitters and receptors are made when you eat specific nutrients and amino acids, he said. Your glial cells, for example, which make up a substantial portion of the brain, are dependent on omega-3 fats. Minerals including zinc, selenium and magnesium provide the foundation for cell activity and brain tissue and the synthesis of neurotransmitters that directly affect mood. Iron, folate and vitamin B12 help your body produce serotonin.

“Our brains evolved to eat almost anything to survive, but increasingly we know there’s a way to fuel it to improve overall mental health,” said Dr. Ramsey, author of the book “Eat to Beat Depression and Anxiety.” “We know if you eat a bunch of garbage, you feel like garbage, but the idea that it extends into our mental health risk is a connection we haven’t made in psychiatry until recently.”

Try some new ‘brain’ foods

To help patients remember the best foods to eat to support brain health, Dr. Ramsey has devised a simple mantra: “Seafood, greens, nuts and beans — and a little dark chocolate.” He also hosts a free online cooking class (the next one is Feb. 7) called “Mental Fitness Kitchen.”

For this week’s Eat Well Challenge, try adding some new foods to your plate that have been linked to better brain health. This list is based on suggestions from Dr. Naidoo and Dr. Ramsey. Much of the science on the possible brain benefits of various foods is still in its early stages, and eating these foods won’t result in mood changes overnight. But incorporating several of these foods into your meals will improve the overall quality of your daily diet — and you might notice a difference in how you feel.

Leafy greens

Dr. Ramsey calls leafy greens the foundation of a brain health diet because they’re cheap, versatile and have a high ratio of nutrients to calories. Kale is his personal favorite, but spinach, arugula, collards, beet greens and chard are also great sources of fiber, folate and vitamins C and A. If you’re not a fan of salads, add greens to soups, stews, stir fries and smoothies, or turn them into a pesto. He also recommends adding a small serving of seaweed (the “leafy green of the sea”) to your plate once a week as a source of iodine, fiber, zinc and additional phytonutrients.

Colorful fruits and vegetables

The more colorful your plate, the better the food is for your brain. Studies suggest that the compounds in brightly colored fruits and vegetables like red peppers, blueberries, broccoli and eggplant can affect inflammation, memory, sleep and mood. Reddish-purplish foods are “power players” in this category. And don’t forget avocados, which are high in healthy fats that enhance the absorption of phytonutrients from other vegetables.

Seafood

Sardines, oysters, mussels, wild salmon and cod are sources of long-chain omega-3 fatty acids that are essential for brain health. Seafood is also a good source of vitamin B12, selenium, iron, zinc and protein. If you don’t eat fish, chia seeds, flax seeds and sea vegetables are also good sources of omega-3s. For those on a budget, canned salmon is a more affordable option, said Dr. Naidoo.

Nuts, beans and seeds

Try to eat between a half and a full cup of beans, nuts and seeds a day, says Dr. Ramsey. Nuts and seeds, including cashews, almonds, walnuts and pumpkin seeds, are a great snack, but they can also be added to stir fry dishes and salads. Black and red beans, lentils and legumes can also be added to soups, salads and stews or enjoyed as a meal or a side dish. Nut butters count too.

Spices and herbs

Cooking with spices not only makes your food taste better, but studies suggest certain spices may lead to a better balance of gut microbes, reduce inflammation and even improve memory. Dr. Naidoo especially likes turmeric; studies suggest that its active ingredient, curcumin, may have benefits for attention and overall cognition. “Turmeric can be very powerful over time,” she said. “Try incorporating it into your salad dressing or roasted vegetables,” or adding it to marinades, curries, sauces, stews or smoothies. “Adding a pinch of black pepper makes curcumin 2,000 percent more bio-available to our brain and body,” she said. “It’s an easy hack to do when you’re cooking.” Other spices that may support brain health include cinnamon, rosemary, sage, saffron and ginger.

Fermented foods

Fermented foods are made by combining milk, vegetables or other raw ingredients with microorganisms like yeast and bacteria. A recent study found that six servings a day of fermented foods can lower inflammation and improve the diversity of your gut microbiome. Fermented foods include yogurt; sauerkraut; kefir, a fermented milk beverage; kombucha, a fermented drink made with tea; and kimchi, a traditional Korean side dish of fermented cabbage and radish. Coconut kefir is a nondairy option. Other fermented foods include miso, cottage cheese, Gouda cheese and some types of apple cider vinegar. You can also drink probiotic-containing “gut shots,” which are small bottles of fermented beverages, usually about two ounces in size, sold in many grocery stores.

Dark chocolate

People who regularly eat dark chocolate have a 70 percent reduced risk of depression symptoms, according to a large government survey of nearly 14,000 adults. The same effect was not seen in those who ate a lot of milk chocolate. Dark chocolate is packed with flavonols, including epicatechin, but milk chocolate and popular candy bars are so processed they don’t have much epicatechin left in them.

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Top 10 types of financial models

2021-10-10T09:41:00.003-04:00

Top 10 types of financial models

https://corporatefinanceinstitute.com/resources/knowledge/modeling/types-of-financial-models/

There are many different types of financial models. In this guide, we will outline the top 10 most common models used in corporate finance by financial modeling professionals.

Here is a list of the 10 most common types of financial models:

Three Statement Model
Discounted Cash Flow (DCF) Model
Merger Model (M&A)
Initial Public Offering (IPO) Model
Leveraged Buyout (LBO) Model
Sum of the Parts Model
Consolidation Model
Budget Model
Forecasting Model
Option Pricing Model

Image: Advanced Financial Modeling & Valuation Course

More detail about each type of financial model

To learn more about each of the types of financial models and to perform detailed financial analysis, we have laid out detailed descriptions below. The key to being able to model finance effectively is to have good templates and a solid understanding of corporate finance.

#1 Three Statement Model

The 3 statement model is the most basic setup for financial modeling. As the name implies, in this model the three statements (income statement, balance sheet, and cash flow) are all dynamically linked with formulas in Excel. The objective is to set it up so all the accounts are connected and a set of assumptions can drive changes in the entire model. It’s important to know how to link the 3 financial statements, which requires a solid foundation of accounting, finance, and Excel skills.

Learn the foundations in our online financial modeling courses.

#2 Discounted Cash Flow (DCF) Model

The DCF model builds on the 3 statement model to value a company based on the Net Present Value (NPV) of the business’ future cash flow. The DCF model takes the cash flows from the 3 statement model, makes some adjustments where necessary, and then uses the XNPV function in Excel to discount them back to today at the company’s Weighted Average Cost of Capital (WACC).

These types of financial models are used in equity research and other areas of the capital markets.

#3 Merger Model (M&A)

The M&A model is a more advanced model used to evaluate the pro forma accretion/dilution of a merger or acquisition. It’s common to use a single tab model for each company, where the consolidation of Company A + Company B = Merged Co. The level of complexity can vary widely. This model is most commonly used in investment banking and/or corporate development.

#4 Initial Public Offering (IPO) Model

Investment bankers and corporate development professionals also build IPO models in Excel to value their business in advance of going public. These models involve looking at comparable company analysis in conjunction with an assumption about how much investors would be willing to pay for the company in question. The valuation in an IPO model includes “an IPO discount” to ensure the stock trades well in the secondary market.

#5 Leveraged Buyout (LBO) Model

A leveraged buyout transaction typically requires modeling complicated debt schedules and is an advanced form of financial modeling. An LBO is often one of the most detailed and challenging of all types of financial models, as the many layers of financing create circular references and require cash flow waterfalls. These types of models are not very common outside of private equity or investment banking.

#6 Sum of the Parts Model

This type of model is built by taking several DCF models and adding them together. Next, any additional components of the business that might not be suitable for a DCF analysis (e.g., marketable securities, which would be valued based on the market) are added to that value of the business. So, for example, you would sum up (hence “Sum of the Parts”) the value of business unit A, business unit B, and investments C, minus liabilities D to arrive at the Net Asset Value for the company.

#7 Consolidation Model

This type of model includes multiple business units added into one single model. Typically, each business unit has its own tab, with a consolidation tab that simply sums up the other business units. This is similar to a Sum of the Parts exercise where Division A and Division B are added together and a new, consolidated worksheet is created. Check out CFI’s free consolidation model template.

#8 Budget Model

This is used to model finance for professionals in financial planning & analysis (FP&A) to get the budget together for the coming year(s). Budget models are typically designed to be based on monthly or quarterly figures and focus heavily on the income statement.

#9 Forecasting Model

This type is also used in financial planning and analysis (FP&A) to build a forecast that compares to the budget model. Sometimes the budget and forecast models are one combined workbook and sometimes they are totally separate.

Learn more: see a step-by-step demonstration of how to build a forecast model.

#10 Option Pricing Model

The two main types of option pricing models are binomial tree and Black-Scholes. These models are based purely on mathematical formulas rather than subjective criteria and, therefore, are more or less a straightforward calculator built into Excel.

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FRONTLINE | The Power of the Fed | Season 2021 | Episode 14 | PBS

2021-07-14T12:33:00.001-04:00

FRONTLINE | The Power of the Fed | Season 2021 | Episode 14 | PBS